“Company” means Pentor(Cambodia) PLC.

“User” means a person or juristic person who is a visitor, user, member, store, partner, service user, or person requesting to open an account. Or any other person who uses the website and application services and/or customers of Pentor(Cambodia) PLC, regardless of whether the visit, use, membership, use of the service or access is done in any manner, through Which device? Through which channel? And whether there is a cost or not

“Terms and Conditions of Use” means these Terms and Conditions of Use of the Website and Application (Terms and Conditions), both generally and/or expressly outlined in the “Terms and Conditions”. Any part of this website and application, in whole or in part

“User account” means a Pentor(Cambodia) PLC. account, an electronic wallet account (E-Wallet account), an electronic money account (E-Money account), or any other account of the exact nature created or provided by the Company. to the user upon the user's request to open an account

(2.1) The Company is a provider of electronic money (E-Money) and/or electronic wallets (Pentor(Cambodia) PLC.) that is permitted to operate under the law on payment systems. The user must submit a request to open a user account to the company for consideration and approval.

(2.2)Requesting to open a user account or making transactions through the Company's website and applications Users must display information, provide information, or confirm personal information. or information and evidence of identity (Know Your Customer) according to the conditions set by the company. The user certifies that your information is accurate, complete, and current. When the company has received complete and correct information and evidence, the Company will consider and approve opening a user account or conducting transactions through the Company's website and application within 1-2 days, as the case may be.

(2.3)The Company reserves the right to change the criteria for considering and approving account openings or transactions through the Company's website and application. There is no need to inform the user of the reason in advance. The right to open each type of account is limited to one account per national ID card number only.

(2.4)The user agrees and consents to the Company collecting, using, or disclosing information and identification evidence (Know Your Customer—KYC), including the user's personal information. The user agrees to update such information and evidence regularly. The Company may provide notifications to the user to update such information and evidence to be up-to-date as well.

(2.5)The Company reserves the right to refuse requests to open accounts or conduct transactions through the Company's website and applications to users or persons of any nationality. have residence or have a source of income that comes from an area or country that is at high risk according to the FATF statement and a country that is in the process of resolving the following deficiencies Democratic People's Republic of Korea, Islamic Republic of Iran, Republic of Albania, Barbados, Republic of Burkina Faso, Kingdom of Cambodia, Cayman Islands, Gibraltar, Republic of Haiti, Jamaica, Jordan, Mali, Morocco, Union of Burma, Republic of Nicaragua, Islamic Republic of Pakistan, Republic of Panama, Republic of the Philippines, Republic of Senegal, Republic of South Sudan or Republic of South Sudan, Syrian Arab Republic, Turkey, Republic of Uganda, United Arab Emirates. and the Republic of Yemen

(2.6)Users will not violate the technological measures contained in the Company's website and applications or avoid, circumvent, delete, disable, modify, scramble, decode, or in any other way cause any measures that the Company has installed, set up, or used for protection or restrict access to any part of the Company's website and applications or content that causes damage.

(2.7)The user will not use the software or any tool or device that interferes with the Website and Applications or the proper operation of the Company Websites and Applications.

(2.8)If the company investigates and finds violations of the terms and conditions of use or other legal violations. The user agrees that the company can immediately suspend or terminate use, opening an account, or making transactions through the company's website without informing the user in advance.

(2.9)Fee rate: The user agrees to pay the service fee at the rate specified by the company. Users can study and check various fees. of the company by following the Link => Click, and the company reserves the right to change and charge fees, service fees, and/or various expenses. The company will notify you of such fees in advance. The user agrees to allow the company to deduct fees, service fees, and/or various expenses. from an existing user account with the Company in accordance with the methods and conditions specified by the Company.

(2.10)Users must be natural persons of Thai nationality and use identification documents only as identification cards, unless there is a necessary reason, and other documents can be used according to the conditions specified by the company.

(2.11)When the user (Merchant and customer) Completes transaction or transaction. Users receive evidence in electronic form through websites and applications.

In using this website and application The Company may provide user accounts for each user as requested by the user from time to time. The Company has the sole right to consider and approve the opening of user accounts. Set user account type. Set access rights for each type of user account. Any expenses related to user accounts. Duties and responsibilities of the user who owns the user account

The user agrees to keep their account name (Username), password (Password), and confidential information. and agree not to allow We also use our best efforts to prevent others from using your user account.

If another person uses the user's account, the user agrees and certifies that the use is done on behalf of the user and is binding as if the user had done it himself.

In addition, users can change, suspend, or cancel their user accounts. User account name (Username) and/or Password (Password), including asking for additional information about using this website and application by yourself. You can contact us at:

Call Center Telephone number: 023 902 244 , 023 902 255 Business hours: Monday - Sunday from 9:00 a.m. - 6:00 p.m.

Email: [email protected]

(4.1) The user wishes to cancel using or using the website and application services. Users must notify us of their wishes through the call center or other channels specified by the company. and proceed according to the methods specified by the company If there is still money remaining in the user's account, and the user has not violated these terms and conditions of use, The Company will refund the remaining amount to the User after deducting any fees (if any) within the period specified by the Company but not exceeding 15 (fifteen) business days by transferring it to the User's bank account. Work according to the details that the user will notify the company of, and in this regard, the company reserves the right to charge a fee as a result of such money transfer (if any). However, the user agrees not to charge any interest or compensation. from the company

(4.2) The company reserves the right to cancel service. or suspend service There is no need to notify users in advance. In the following cases

• (4.2.1) Users use fake documents or present false information in registering for an account, including information notification or present false evidence or showing incomplete documents as requested by the company or

• (4.2.2) The user dies or

• (4.2.3) The user is a person the government or government agency has ordered to seize or freeze property or is a designated person. or being accused or suspected of having committed a crime against the law or

• (4.2.4) The company has reason to suspect that the user has committed a crime. or attempt to commit an offense as specified by law or do any act that may cause damage to the company. or any other person or

• (4.2.5) If the user cancels the use of the mobile phone number used to open the account When the company becomes aware of the information on canceling the use of the said mobile phone number or

• (4.2.6) The user uses the user account for the wrong purpose that has been reported to the company. The company has carried out an inspection, and there are reasonable grounds to suspect or

• (4.2.7) The user acts in violation of any of the conditions outlined in these terms and conditions of use or

• (4.2.8) The user has not accessed the service for a continuous period of more than 2 (two) years since the last access or

• (4.2.9) For the company to deduct the fees charged, There need to be more funds in the user's account.

(4.3) If the company exercises its right to cancel service or suspend use according to Section 4.2 above, the Company has the right to take the following

(5.1) Users guarantee that they will not use this website and application to conduct transactions for illegal purposes. Whether it's gambling, sex trafficking, money laundering, terrorism financing, and the proliferation of weapons of mass destruction or use of the account for profit, Whether for the benefit of users and/or other persons who act as payment-receiving agents. or has the characteristics of being a channel for depositing and withdrawing cash or used to conduct business in various forms, including actions that violate public order and good morals. Infringes on the intellectual property rights of others. Or is it any other illegal act? Including will not make the application Or the network connected to the application must be damaged. or will not cause any interference with the use of the application by any other person. Do not attempt to enter the application. or the network connected to the application without authority, whether through hacking, stealing, copying, or destroying databases, breaking personal secret codes, or any other means. Therefore, if any damage occurs to the company, the Company may be held liable for any liability resulting from users conducting financial transactions through the Company's services for the above purposes. or from users taking any actions related to the above applications. The company has the right to suspend or cancel service immediately. The user will be responsible for compensating the company for all damages. The company is not involved or responsible for all damages that will occur.

(5.2) For verification/authentication purposes. The user certifies that the national identification card is used to verify identity. According to the specified process, verify your company's identity. It is the user's identification card that specifies correct personal information. Accurate and current of users The picture displayed on the card represents the user's current appearance. There is no difference due to cosmetic surgery or any other action that changes the user's appearance. And It can indicate the user's identity and characteristics while the user performs identity verification according to the steps specified by the company. However, if the user's appearance changes as a result of the above actions, the verification and identification systems cannot verify that they are the same person. The user agrees and acknowledges that the company has the right to refuse to enable the service or suspend the user's service. The user agrees not to use such an incident as a claim or take any other action against the company.

(5.3) The user certifies they agree to be bound by, comply with, and cooperate with. Including agreeing to prepare information and/or send documents, evidence, or any documents that the Company may request to send additionally to consider opening the service, providing services, performing any transactions, or complying with the requirements. Announce the regulations of the Bank of Thailand Anti-Money Laundering Office or any legal provisions related to implementing these Terms of Service. Both currently exist and/or will continue to occur strictly in the future.

(6.1) The content displayed on this website and application is accessed or used on an “as is” basis or as published (“as available” basis) only. The Company makes no representations or warranties. Whether directly or indirectly in any matter, whether it is a guarantee of completeness or proper currentness, or the reliability of the content and information or guarantees of the results that will be obtained from the use of the content or use of this website and application. Including suitability for use, the company is not responsible for the loss. or any damages, including not being responsible for profits or losses resulting from using the website and application and/or using the content and information appearing on this website and application in all cases.

(6.2) The Company will take reasonable steps to ensure continuous, uninterrupted access to and use of this website. It will provide a system to prevent access to any information by anyone not a user or member of the website and app. However, the Company cannot guarantee that access to the Website and Application will be free from delays or errors, nor does it guarantee that the Website and Application will be free from Malicious programs, files, or software that may cause damage to the system or data in the user's system, such as viruses, computer worms, Trojan horses, spyware, or other malicious files (collectively referred to as "defects"), regardless of whether the defect This will happen from a person. or technical difficulties or other force majeure events. Therefore, the user acknowledges such conditions and agrees that if defects occur, the company will not be responsible for any loss, damage, compensation, expenses, or damages arising from or resulting from. resulting from those defects in every case

(6.3) The Company reserves the right to consider not allowing users to use this website and application, including the right to make changes or suspend the provision of website and application services, whether in part or in whole and at any time, to users without having to notify in advance or specify the reason for doing so.

(6.4) All detailed information, articles, or any information published on this website and application. It is the copyright of each author, which the company has received permission to publish for the benefit of users and the general public for content Links, images, or any other content as well as comments. The views contained in the articles published on this website and application are each author's personal opinions or views. and is not related to the company or show that the Company agrees, accepts, or supports such opinions or views. Users should study the information carefully and use good judgment when making decisions.

(6.5) The Company cannot guarantee that the advertisements on this website and application (if any) are accurate, complete, and free from defects. The Company is only a medium for transmitting advertising information. and is not an agent, partner, or has any legal relationship with the owner of the advertisements that appear on this website and application. I cannot verify or know the source and/or details of all advertisements appearing on this website and application. However, if the presentation of such advertisements causes loss or damage to the user, The company denies all liability and legal obligations in all cases.

(6.6) Other than as specified in these Terms and Conditions of Use, the Company, its directors, managers, executives, employees, employees, agents or consultants. Will not be held liable for mistakes. or any defects in the website and application. or from data Content appearing on websites and applications And not being liable for the results of any omissions related to this website and application. Whether caused by contract, tort, negligence, or any other cause that may occur. Even though the company has been informed that such damage may occur.

(7.1) Links to other parties' websites and applications.

This website contains links to other websites and applications (“Linked Websites and Applications”). These links are provided for users' convenience only. Linked websites and applications do not indicate that they are sponsored or supported. or under the control or responsibility of the company. Therefore, the company cannot guarantee its accuracy. reliability or the security of linked websites and applications. And there will be no liability for any loss or damage that users experience from using or linking to such websites and applications. and requests users to study the terms and conditions of the linked websites and applications.

(7.2) Linking to this website and application

The Company is pleased to provide links to its websites and applications. If users wish to link to the Company's websites and applications, such linking must be subject to the following conditions.

(7.2.1) This link must be made in text only, showing the following text: “Pentor(Cambodia) PLC.” and/or the text. other information that is the same or similar to the said message

(7.2.2) This link must link to www.pentorcambodia.com.kh and/or Pentor(Cambodia) PLC application.

(7.2.3) The appearance, location, or any aspect of this link must not damage or impair the goodwill of the Company name. and the company's trademarks were reduced

(7.2.4) The appearance, location, or any other aspect of this connection must not create the impression that the organization is associated with the Company. or received support from the company

(7.2.5) The link must display the company's full screen and not be displayed in the “frame” of the linked website and application.

(7.2.6) Links must not convey the impression that The Company supports websites and applications, or is there any cooperation between the Company and users or organizations?

(7.2.7) Linking must not be considered an inappropriate action. or may lead to damage, infringement, obscene actions, or any topic or information that is illegal or violates copyright or intellectual property rights. ownership privacy or the reputation of the company

(7.2.8) The Company is not liable for any loss or damage incurred to users or third parties due to this link. However, the Company reserves the right to seek remedies as provided by law in case of a breach of this Agreement.

(7.2.9) At any time, the Company reserves the right to revoke consent to link content or pages of this website and application and to cancel any link at its sole discretion.

The user agrees and acknowledges that The Company may collect, use, or disclose users' personal information. This includes but is not limited to Information according to ID card, Necessary contact information, Location, biometric data, or biometrics of users that have been provided to the Company and/or that are in the Company's possession and/or that the Company has received or collected from other sources or individuals. anything else legally to consider the user's request to open an e-wallet account. (Pentor(Cambodia) PLC.) Identification, identity verification, transactions, service use, statistics, and data analysis to develop services or provide benefits that may be beneficial to users in connection with the service. or focus on providing users with good service. Support services or contact for inquiries, Including sending news information, Marketing activities, Promotional items, or presenting various products that users may be interested in or useful to users through the company's notification channels. The user acknowledges that the company may send or transfer the user's personal information to legal entities that control the company or are under the control of the company. and juristic persons under the same control as the company, Including any other persons or legal entities with which the Company is a contractual party or has a legal relationship. as well as outside persons or juristic persons responsible for processing personal data both within and outside the country. In the case where the company is necessary to send or transfer personal data of users to persons or juristic persons outside the country, Where there are insufficient personal data protection standards as required by law, the Company guarantees that the Company will implement measures to protect personal data that are appropriate and consistent with the standards required by law.

In addition, users' personal information for the websites and applications mentioned above will be protected under the Company's Personal Data Protection Policy (Privacy Policy). Users can study additional information. from Personal Data Protection Policy (Privacy Policy)

The company has chosen technology Measures to maintain safety in transactions on the Internet network. To protect user information during data transmission over communication networks or from data theft by other persons or networks, all systems that do not have permission to connect to the company's network, such as firewalls or Secure Socket Layer (SSL) encryption, etc.

In using this website and application, Users may know or receive information from the Company or any other person for using the website and applications under these terms. which has not been publicly disclosed or was not intended to be publicly disclosed at the time the information was disclosed The user agrees to keep the Company's information or information received from the Company confidential. Whether it is personal or commercial information and has value, it will not be disclosed, published, announced, or distributed to third parties unless it is an action according to law Orders of agencies that enforce state power or receive written consent from the company in advance.

In case of violation of these terms and conditions of use. The Company reserves the right to suspend access to or cancel any transactions or services on this website and application. Such suspension or cancellation does not deprive the Company of its right to receive remedies according to these terms and conditions of use, including any other rights according to relevant laws.

These Terms and Conditions of Use To be enforced and interpreted according to the laws of the Kingdom of Thailand. without taking into account the provisions on conflicts of laws.

If any agreement, term, or condition of these Terms and Conditions of Use is invalid or invalid under any law, then the agreement will be deemed invalid. Any other term or condition of the complete Terms and Conditions of Use shall be separated from any invalid or invalid portion. and will continue to be effective

If the Company does not enforce the agreement, any term or condition of these Terms and Conditions of Use will not affect the Company's rights to enforce the Agreement. Any subsequent terms or conditions of such terms and conditions of use. and waiving the right to violate the agreement Any terms or conditions of the user shall not be considered a waiver of the right to breach the agreement. any such terms or conditions next time or waiver of rights in the agreement Any other terms or conditions

If there is a dispute, any dispute arises due to these Terms and Conditions of Use. the two disputants were unable to reach an agreement. Both disputing parties agree to bring the said dispute to court in Thailand.

Call Center Telephone number: 023 902 244 , 023 902 255 Business hours: Monday - Sunday from 9:00 a.m. - 6:00 p.m.

Email: [email protected]

Letter by post, specifying “Complaint” to Pentor (Cambodia) PLC. Building No. 685, Floor No. 1-2, Preah Monyvong Blvd,Sangkat Boeung Kang 3, Khan Boeung Keng Kang, Phnom Penh 12100

Via the company's website: www.pentorcambodia.com.kh