AGREEMENT TO OUR TERMS AND CONDITIONS
Welcome to Global Money Exchange co LLC. We are ("Company," "we," "us," "our"). We operate Global Pay/Global Pay Business mobile application services that refer and link to these Terms and Conditions (the "Terms and Conditions") (collectively, the "Services"). You can contact us by email toglobalho@globalmoneyexchange.net These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you", “User”), and, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Terms and Conditions. If you do not agree with all of these Terms and Conditions, then you are expressly prohibited from using the services and you must discontinue use immediately. We reserve the right, in our sole discretion, to make changes or modifications to these Terms and Conditions at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Terms and Conditions, through notifications or prompts within the mobile application. You waive any right to receive specific notice of each such change except as required by applicable law. It is your responsibility to periodically review these Terms and Conditions to stay informed of updates. You will be subject to and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms and Conditions by your continued use of the Services after the date such revised Terms and Conditions are posted. We encourage you to print or save a copy of these Terms and conditions for future reference.With the acceptance of these Terms and Conditions, you explicitly provide us your consent to collect and process the data as mentioned in these Terms and Conditions and Privacy Policy.
Definitions: In this document the below words have the meaning as explained:
Account(s): refers to the User’s e-Wallet Account under Global Pay/Global Pay Business.
Agreement: means the Terms and Conditions and End User License Agreement for which consent is given by the user.
AML law: Anti Money laundering law of the Sultanate of Oman i.e. Royal Decree 30/2016
Device: means a mobile device owned by the User and on which Global Pay/Global Pay Business application is installed and/or downloaded.
Email: refers to the User’s registered email with GMEC.
Instruction: means any request or instruction by the User, which is affected through the Global Pay/Global Pay Business.
Licensor: refers toGlobal Money exchange Co LLC
Mobile Number: refers to the User’s registered mobile number on the Global Pay/Global Pay Business.
Party: means both GMEC and the User.
PIN: Personal Identification Number set by the User pursuant to the User’s initial signup to the Global Pay/Global Pay Business. The PIN shall be used for Authorizing transactions and must be kept confidential at all times.
Processing: Means the usage of information given by the customer to provide the services
Products/Services: means services offered in the Global Pay/Global Pay Business mobile application.
Remittance: means cross border transfer of funds using Global Pay mobile application
TT/IMT: Telegraphic transfer and International Money Transfer for cross border transfer of funds. TT is done using direct bank arrangements and IMT is done using the services of agents like Moneygram, Western Union etc.
User/You/Your: means the user accessing and using the Global Pay/Global Pay Business mobile application, who has accepted the Terms and Conditions, Privacy policy and End User License Agreement.
Wallet Account: means an Accounts maintained in electronic form in the Global Pay/Global Pay Business mobile application.
Wallet Balance: means the funds available in the Global Pay/Global Pay Business Wallet Account.

1. OUR SERVICES
Global Pay/Global Pay Business: A comprehensive mobile payment platform enabling seamless transactions and integration across: o Remittance: Facilitating Cross border money transfers for individuals o P2P (Person-to-Person local transfers): Direct money transfers between individuals. o P2B/B2B (Person-to-Business & Business-to-Business local transfers): Payments between consumers and businesses. o E-wallet: Loading e-money into wallets. Withdrawal of funds from wallets through our branches. Supporting both Android (version 12.0 and above) and iOS platforms, Global Pay/Global Pay Business ensures accessibility and financial mobility, empowering users with innovative and user-friendly solutions. The information provided when using the Services is not intended for distribution to or use by anyperson or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.For using our services you should be at least 18 years old and that you have legal capacity to perform these transactions.

2. INTELLECTUAL PROPERTY RIGHTS
Our intellectual property
We are the owner of all intellectual property rights in our Services. This includes, but is not limited to: App Source Code: App and the code including any software, algorithms, and data structures. Databases: The data and information used within our Services, which includes user data, transaction records, and any other forms of data storage. Functionality: All features and functionalities offered through our Services, including payment processing, e-wallet functions, and any other tools or features provided. Software: The applications and programs including both the front-end interfaces and back-end systems. Website Designs: The visual and interactive design elements of our website and mobile applications, including layout, color schemes, and user interface elements. Audio, Video, Text, Photographs, and Graphics: All multimedia content provided through our Services, whether created by us or licensed from third parties. All of the above, collectively referred to as the "Content", is protected by copyright, trademark, patent, trade secret, and other intellectual property laws in the Sultanate of Oman and internationally. Additionally, the trademarks, service marks, logos, and brand elements (collectively, the "BRAND ASSETS") used with our Services are proprietary to us or our licensors. These “BRAND ASSETS” are legally protected, and any unauthorized use is strictly prohibited. The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use or internal business purpose only. The license granted is a "limited" non-exclusive, non-transferable, revocable license.
Your use of our Services
Subject to your compliance with these Legal Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:
Access the Services
You may use our Services for your personal, non-commercial use or, if you represent an entity, for your internal business purposes only. Download or Print Content: You may download or print a copy of any portion of the Content to which you have properly gained access, solely for personal, non-commercial use or internal business purposes. This limited license is provided "AS IS" and does not grant you any ownership rights in the Services, Content, or Marks. Any use of the Services, Content, or Marks outside of what is expressly allowed by these Legal Terms is strictly prohibited and may result in legal action.
Restrictions on Use
Unless expressly permitted by us in writing, you agree not to: Copy, Reproduce, or Republish: Any part of the Services, Content, or Marks cannot be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose. Modify or Create Derivative Works: You may not alter, modify, create derivative works of, or otherwise make any unauthorized use of the Content or Marks. Use Marks Without Permission: Any use of our Marks without our prior written consent is prohibited. If permission is granted, you must properly identify us as the owner or licensor and include all relevant copyright or proprietary notices.
Reservation of Rights
We reserve all rights in and to the Services, Content, and Marks not expressly granted to you. This means that all intellectual property rights not explicitly granted under these Legal Terms remain with us. Any unauthorized use of our intellectual property will be considered a breach of these Legal Terms and may result in the termination of your right to use our Services, along with potential legal action.
Third-Party Intellectual Property
Our Services may contain content or components owned by third parties, including software, APIs, and other materials. Your use of third-party intellectual property within our Services is subject to the terms provided by those third parties. We are not responsible for any third-party content or for your use of it.
Infringement Notifications
We respect the intellectual property rights of others and ask our users to do the same. If you believe that any content within our Services infringes on your intellectual property rights, please notify us immediately using the contact details provided at the end of these Legal Terms. We will investigate and take appropriate action, which may include removing the infringing content or restricting access to it. If you wish to make any use of the Services, Content, or Marks other than as set out in this section orelsewhere in our Terms and Conditions, please address your request to: Your use of third-party intellectual property within our Services is subject to the terms provided by those third parties. We are not responsible for any third-party content or for your use of it.
Infringement Notifications
Global Money Exchange Company LLC
Corporate Head Office, Muscat
PB 726, PC 131, Ruwi
Muscat,Sultanate of Oman
Mobile: +968 9983 8325
Landline: +968- 24799454
Email:globalho@globalmoneyexchange.net
Website:https://globalmoneyexchange.net/
If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying ourContent. We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these Intellectual Property Rights will constitute a material breach of our Terms and Conditions and your right to use our Services will terminate immediately.
Your submissions
Please review this section and the "PROHIBITED ACTIVITIES" section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services. Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You are responsible for what you post or upload: By sending us Submissions through any part of the Services you: • confirm that you have read and agree with our "PROHIBITED ACTIVITIES" and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading. • The waiver of moral rights applies only to the extent permissible by applicable law • warrant that any such Submission are original to you or that you have the necessary rights and licenses to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; and • warrant and represent that your Submissions do not constitute confidential information. You are solely responsible for your Submissions, and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party's intellectualproperty rights, or (c) applicable law.

3. USER REPRESENTATIONS
By using the Services, you represent and warrant that: (1) you have the legal capacity and you agree to comply with these Terms and Conditions; (2) you should be at least 18 years old and that you have legal capacity to perform these transactions; (3) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (4) you will not use the Services for any illegal or unauthorized purpose; and (5) your use of the Services will not violate any applicable law or regulation. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

4. PROHIBITED ACTIVITIES
You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. As a user of the Services, you agree not to: • Systematically retrieve data or other content from the Services to create or compile, directly orindirectly, a collection, compilation, database, or directory without written permission from us. • Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitiveaccount information such as user passwords. • Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein. • Making false or misleading statements that damage our reputation. • Use any information obtained from the Services in order to harass, abuse, or harm another person. • Make improper use of our support services or submit false reports of abuse or misconduct. • Use the Services in a manner inconsistent with any applicable laws or regulations. • Use the Services for money laundering/terrorism financing/proliferation financing/virtual assets related payments, financial crimes, fraudulent activitiesor other illegal activities as per the applicable laws of the Sultanate of Oman • Engage in unauthorized framing of or linking to the Services. • Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party's uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services. • Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools. • Delete the copyright or other proprietary rights notice from any Content. • Attempt to impersonate another user or person or use the username of another user. • Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ("gifs"), IXI pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms"). • Interfere with, disrupt, or create an undue burden on the Services or the networks or servicesconnected to the Services. • Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing anyportion of the Services to you. • Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services. Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code. • Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services. • Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software. • Use a buying agent or purchasing agent to make purchases on the Services. • Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses. • Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise. Transfer order maybe put on HOLD by GMEC in the event of any additional information / supporting document/ clarification from you is required to comply with AML/CFT/KYC guidelines of the Central Bank of Oman.

5. SERVICES MANAGEMENT
We reserve the right, but not the obligation, to:(1) monitor the Services for violations of these Terms and Conditions; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms and Conditions, including without limitation, reporting such user to law enforcement authorities; (3)in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our solediscretion and without limitation, notice, or liability, to remove from the Services or otherwise disable allfiles and content that are excessive in size or are in any way burdensome to our systems; and (5)otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

6. TERM AND TERMINATION
These Terms and Conditions shall remain in full force and effect while you use the Services. Without limiting any other provision of these Terms and Conditions, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the services (including blocking certain IP addresses), to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these Terms and Conditions or of any applicable law or regulation. We may terminate your use or participation in the services or delete any content or information that you posted at any time, without warning, in our sole discretion. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil,criminal, and injunctive redress.

7. MODIFICATIONS AND INTERRUPTIONS
We reserve the right to change, modify, or remove the contents of the Services at any time or for anyreason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change,suspension, or discontinuance of the Services. While the company aims for high service availability, it cannot guarantee uninterrupted or error-free service.We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Terms and Conditions will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

8. GOVERNING LAW
These Terms and Conditions shall be governed by and defined following the laws of Sultanate of Oman,and you irrevocably consent that the courts of Sultanate of Oman shall have exclusive jurisdiction toresolve any dispute which may arise in connection with these Terms and Conditions.

9. REGISTRATION
In the application Global Pay, the individual user will open by entering the mobile number and set his PIN for login. Then the user will enter his resident ID number, scan both front and back side of ID and will go through the liveness check and selfie. These details of resident ID will be pushed to Mala’aregistry and Mala’a will check & verify, after which the necessary details will be fetched from Mala’a registry and will be auto populated in the profile of new user. Then the customer’s name will be screened against sanction screening by the system. The name if comes for compliance approval will be checked by the compliance executive and cleared if false positive.After clearing through sanction screening the customer will be successfully registered and onboarded. In case of Global Pay Business application, the corporate customers will entertheir basic business details i.e. name of the business, address, contact details,commercial registration number, and scan front page of the commercial registration certificate. After this GMC officials will contact the corporate, visit its official address, collect documents, and onboard through branches by following the usual due diligence process. * Mala’a is Oman Credit and Financial Information Centre. It has registry of data of Residents/Nationals in Oman issued bythe Royal Oman Police.

10. DELIVERY POLICY
We will not be responsible for any wrong credit due to any wrong information provided by you. We are not responsible for any delay/non-payment/under-payment due to unforeseen events beyond our control like natural calamities, failure of infrastructure, other political problems, non-compliance of KYC/AML norms in remittance, third party agents’ issues, etc.Users are responsible for ensuring that the beneficiary details are correct. Please verify the currency rates or remittance details before initializing the transaction as we may not be able to address your grievance later. We are providing exchange rates as applicable in our physical locations through the mobile application, which are subjected to periodical revisions. All changes in physical store locations are replicated in real time in the money transfer app as well. Tools to assist the customer for calculating currency conversions are also provided. Pricing and Transfer information is transparent

11. COMPLAINTS
The customer has to approach us within 72 hours in case of any wrong credit, amendment or cancellation; however, the resolution of the complaint will be subject to the final confirmation of reversal/amendment/cancellation by the Corresponding Bank / Agent. Please escalate the queries or concerns in writing to globalho@globalmoneyexchange.net or contact us as below. We will come back to you within 7 business days after the receipt of our acknowledgement of your complaint.
Global Money Exchange Company LLC
Corporate Head Office, Muscat
PB 726, PC 131, Ruwi
Muscat,Sultanate of Oman
Mobile: +968 9983 8325
Landline: +968- 24799454

12. REFUND/ RETURN/ CANCELLATION POLICY
Cancellation of fund transfer requires remitter's written request with valid reason and should be produced along with original receipt/reference number in case of Mobile Application. Refund will be paid only after the stop payment confirmation is received from the Corresponding Bank / Agent. The user is responsiblefor providing accurate information.Commission / Charge will not be refunded if the cancellation request is due to the wrong information provided by the customer. In the event of a rejection or refund, we will try to approach the customer within reasonable time period (1-2 working days) over phone / SMS.

13. DISPUTE RESOLUTION
In case of any disagreement between the Customer & GMEC, steps will be taken from GMEC's end to resolve the issue through formal and clear written communication before escalation. If required, a meeting will be also organized where both parties can openly raise any concerns and negotiate an amicable solution to the issue. Unless otherwise required by applicable law, all claims arising out of or relating to a transaction, shall be settled exclusively by arbitration or mediation administered by Sultane of Oman Courts.
Restrictions The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.Exceptions to Informal Negotiations and Arbitration The Parties agree that the following Disputes are not subject to the above provisions concerninginformal negotiations binding arbitration: (a) any Disputes seeking to enforce or protect, or concerningthe validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arisingfrom, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

14. CORRECTIONS
There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

15. DISCLAIMER
The services are provided on an as-is and as-available basis. You agree that your use of the services will be at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the services and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranties or representations about the accuracy or completeness of the services' content or the content of any websites or mobile applications linked to the services and we will assume no liability or responsibility for any (1) errors, mistakes, or inaccuracies of content and materials, (2) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the services, (3) any unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein, (4) any interruption or cessation of transmission to or from the services, (5) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the services by any third party, and/or (6) any errors or omissions in any content and materials or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the services. We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the services, any hyperlinked website, or any website or mobile application featured in any banner or other advertising, and we will not be a party to or in any way be responsible for monitoring any transaction between you and any third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate. We are not responsible for any delay / non-payment / under-payment due to unforeseen events beyond our control like natural calamities, failure of infrastructure, other political issues, non-compliance of KYC/AML norms in remittances, etc.

16. LIMITATIONS OF LIABILITY
In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the services, even if we have been advised of the possibility of such damages. Notwithstanding anything to the contrary contained herein, our liability to you for any cause whatsoever and regardless of the form of the action, will at all times be maximum the amount paid, if any, by you to us.

17. INDEMNIFICATION
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability,claim, or demand, including all reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Terms and Conditions; (3) any breach of yourrepresentations and warranties set forth in these Terms and Conditions; (4) your violation of the rights of a thirdparty, including but not limited to intellectual property rights; or (5) any overt harmful act toward anyother user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter forwhich you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

18. USER DATA
We will maintain certain data that you transmit to the Services for the purpose of managing theperformance of the Services, as well as data relating to your use of the Services. Although we performregular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. Users are solely responsible for ensuring they have copies of important data, particularly for financial or personal records. You agree that we shall have no liability to youfor any loss or corruption of any such data, and you hereby waive any right of action against us arisingfrom any such loss or corruption of such data.

19. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURE
Visiting the Services, sending us emails, and completing online forms constitute electroniccommunications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. You hereby agree to the use of electronic signatures, contracts, orders, and other records, and to electronic delivery of notices, policies, and records of transactions initiated or completed by us or via the services. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws inany jurisdiction which require an original signature or delivery or retention of non-electronic records, orto payments or the granting of credits by any means other than electronic means.

20. MISCELLANEOUS
These Terms and Conditions and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not operate as a waiver of such right or provision. These Terms and Conditionsoperate to the fullest extent permissible by law. We may assignany or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms and Conditions is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and Conditions anddoes not affect the validity and enforceability of any remaining provisions. If a provision is found unenforceable, it will be replaced by a valid one that closely approximates the intent of the original provision. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms and Conditions or use of the Services. You agree that these Terms and Conditions will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms and Conditions and the lack of signing by the parties hereto to execute these Terms and Conditions. Below are the maximum limits on transactions through Global Pay mobile application (we can set lower limits than these in our mobile application as per our discretion or Regulatory guidelines): The daily cumulative debit transactions limit is 1,000 OMR. The daily cumulative credit transactions limit is 1,000 OMR. Per transaction debit limit using wallet is limited to 500 OMR. Per transaction credit limit using wallet is limited to 500 OMR. For international money transfer, per transaction limit is 5,000 OMR using OmanNet debit cards.