Last updated: 08.12.25

1. Acceptance of Terms

By accessing or using www.hayopay.com (“Website”), you agree to these Terms of Use. If you do not agree, please discontinue use of the Website.

2. About HAYO

HAYO provides a technology platform focused on modern card experiences and financial insights.

HAYO does not:

• Hold customer funds

• Provide financial or payment services directly

• Conduct currency exchange

• Offer remittance, trading, or brokerage services

All regulated payment operations are handled by licensed third-party partners.

3. Use of the Website

You may use this Website only for lawful purposes and in accordance with these Terms.

You agree not to:

• Attempt to gain unauthorized access to the Website

• Interfere with its security or performance

• Use it for fraudulent, harmful, or abusive purposes

• Copy, distribute, or modify Website content without permission

4. Intellectual property

All content on this Website, including text, images, graphics, branding, and design elements, is the property of HAYO or its licensors. You may not use, reproduce, or distribute any material without prior written consent.

5. Third-party links

The Website may contain links to third-party services. HAYO is not responsible for the content, policies, or practices of those external websites.

6. No Financial advice

Content on this Website is provided for general informational purposes only.

Nothing on the Website constitutes:

• Financial advice

• Investment guidance

• Legal or regulatory advice

7. Limitation of liability

To the fullest extent permitted by law, HAYO shall not be liable for:

• Errors or inaccuracies on the Website

• Any interruption or loss of access

• Indirect, incidental, or consequential damages arising from Website use

The Website is provided on an “as-is” and “as-available” basis.

8. Privacy policy

Your use of the Website is also governed by our Privacy policy, available at: www.hayopay.com/privacy-policy

9. Changes to these Terms

We may update these Terms at any time. Continued use of the Website after changes means you accept the updated Terms.

10. Contact information

For questions regarding these Terms of use, please contact us using the form available on our Website or via: contact@hayopay.com

Get in touch

We are actively building partnerships with payment providers, issuers and technology partners. For inquiries, collaboration opportunities or documentation requests, please contact us using the form available on our website or via e-mail.

© 2025 HAYO Pay