These Terms and Conditions came into effect on November 10, 2022.

These Terms and Conditions were last updated on February 10, 2025.

LINKEDPAY, S.A., its parent company, subsidiaries, successors, assignees and affiliates ("LinkedPay", "we", "our" or "us") provide access to and use of www.linkedPay.co.ao, a website owned and operated by LinkedPay, as well as any and all other websites, mobile-optimized websites, mobile applications, subdomains owned, operated or controlled by LinkedPay (the "Website", "LinkedPay" "Application"), together with the content, software, mobile services, financial products and functionality offered on or through the Website and Application LPay (collectively, the "Services").

These Terms and Conditions (the "Terms") or (the "Agreement"), as well as any and all terms and conditions specific to each of our products and services, as amended from time to time, represent an agreement between the User and LPay or between the User and other Users and govern your use of and access to our services.

Please read these Terms carefully to ensure that you understand each provision. By giving your OPT to the Agent, or otherwise using the services, whether as a guest or registered user, or otherwise accepting these Terms, and you agree to be bound by these Terms, our Privacy and Cookie Policy and all future modifications to these Terms, as well as the collection of use of your information, as set out in our Privacy and Cookie Policy.

1.1 "LinkedPay" means a mobile payment organization/platform licensed by the National Bank of Angola ("BNA").

1.2 "Agent" means an authorised agent of LinkedPay. The Agent facilitates the registration of a QRcode and allows the user to access the functions of the LPay Account, including but not limited to depositing, withdrawing, transferring and paying invoices, where the user has authorized the Agent to act on their behalf for this purpose.

1.3 "OTP" means one-time password (OTP), it is a password valid for only one login session.

1.4 "LPay Account" means an account linked to the LPay Application provided by LinkedPay.

1.5 "Bill Payment" or "Payment Bill" means the service provided by LinkedPay via QRcode, including but not limited to mobile phone bill payment, TV bill payment and electricity bill payment.

1.6 "QRcode" means an image encoded with the LinkedPay customer number with a unique QR code. Customers can use the QRcode through the Agent or the LPay App.

1.7 "Pay by Transfer" means a digital account number for the money receiving service and is linked to the LPay account.

1.8 "Digital Account Number" means a 9-digit personal account number linked to the LPay account for the "pay by transfer" service.

1.9 "Physical Poster" means a physical poster with a digital account number and binding code for the "Payment by Transfer" service.

1.10 "Intellectual Property Rights" means all industrial and intellectual property rights of LinkedPay (as the context provides), whether registered or unregistered, including, without limitation, patents, trademarks and service marks, designs, copyrights and any applications for any or any part of the world and the copyright in all designs, plans, specifications, designs and computer software owned or licensed to LinkedPay (as the context provides) and used in or for the purposes of its business, all know-how and confidential information so owned and used.

1.11 "Charges" means the fees and other charges due under this Agreement for the services provided via the LPay Application.

By accessing or using the services, you agree to our Terms. You also acknowledge that you have read, understood, and agreed to be bound by the terms and conditions outlined in these Terms and to comply with all of our terms of use and applicable third-party service provider agreements. Further, you agree that our third-party service providers are third-party beneficiaries of the applicable provisions of these Terms, with all rights to enforce such provisions as if such service providers were a party to these Terms.

3.1 The LPay Account Service.

3.1.1 For the User who registers an LPay Account on the LPay Application, they can enjoy the services that include, without limitation, the ability to: register as a customer, credit money to an LPay Account through various channels, namely: associated account, multicaixa express, pay or transfer money to third parties, transfer funds to a bank account, transfer funds to an LPay account; pay merchants; receiving money from third parties; withdraw and load with money the application at any of our Agent locations, request money from registered users on LPay, perform and/or complete certain functions related to LPay's services.

3.2 The QRcode option

3.2.1 The User through the Agent or the LPay Application, can receive money, make transfers and other available features. All transactions completed through the QRcode will be reflected in your LPay Account balance.

3.3 The Payment by Transfer Service.

3.3.1 For the User who requests the "Payment by Transfer" service through the LPay Application, he will send/receive randomly to a number linked to his LPay Account. 3.4 All descriptions of products and services proposed, are based on assumptions (which are subject to change) and you should not rely on the availability or functionality of products or services until they are actually offered through the Website or the LPay Application. We reserve the right, in our sole discretion, to determine how registration and other promotions will be awarded. This determination includes, without limitation, the scope, nature and timing of all such awards.

4.1 Without prejudice to the other rights provided for in these Terms, the LPay Account User has the following rights:

4.1.1 Receive, at your request, at any time, during the contractual relationship, these Terms.

4.1.2 Do not see the opening of the account conditioned to the acquisition of additional products or services;

4.1.3 The information made available to LinkedPay must not be used for other purposes or provided to third parties, without their prior authorization;

4.1.4 Be informed, in writing, of the reasons that justify the refusal to open the account;

4.1.5 Have access, monthly, in physical or electronic format, free of charge, to the statement of account movements;

4.1.6 Be informed about the initiation of a payment order and its execution, with the specifications provided for in the applicable law and regulations.

4.2 Without prejudice to the other duties provided for in these Terms, the LPay Account User is responsible for the following duties:

4.2.1 Provide correct, complete and accurate information and data for the purposes of entering into and executing this Agreement, as well as authorizing LinkedPay to collect from any third party all the information necessary for the provision of services, including, but not limited to, registration, corporate and/or banking data;

4.2.2 Provide LinkedPay, whenever it so requests, with any information or clarification on any aspect related to the execution of this Agreement;

4.2.3 Not to use the services to be provided for the commission of any violation of the laws in force in the Republic of Angola;

4.2.4 Provide LinkedPay with any information or clarifications on all events that are relevant to the proper execution of this Agreement.

4.2.5 Notify LinkedPay, without undue delay, and as soon as you become aware of the facts, the loss, theft, misappropriation or any unauthorized use of your LPay Account or your credentials.

4.3 The User is responsible for all transactions that occur in their account, thus exempting LinkedPay from any mistakes, incorrect uses, etc., that may result from these transactions.

4.4 The User is also responsible for the fraud he suffers as a result of non-compliance with the security rules set forth in this Agreement, regarding the provision of his passwords to third parties.

To access and use our services, you must:

5.1 Be at least 14 years of age to be able to access or use the services or create an LPay account, as the services are not intended for children under 14 years of age. The Services are not available to any user who has previously been removed from the Services (or whose user account has been terminated) by LinkedPay. You represent and warrant that you have the legal right and ability to enter into these Terms and use the services in accordance with these Terms.

5.2 Have registered an LPay account on the LPay App or have registered through an Agent.

5.3 Provide all information requested by us, such as your name, gender, date of birth, identity card, VAT number, email address, passport-size photograph, address, mobile phone number, bank verification number ("IBAN"), credentials to register on the LPay Application and other information that may be requested (collectively, "user information"). By providing LinkedPay with your IBAN, you authorize LinkedPay to harvest and save your data from the database as part of our "know your customer" information to comply with regulatory requirements. All "know your customer" data collected will be treated as confidential. It also allows us to use your IBAN to monitor, prevent and detect fraudulent activity.

5.4 Ensure that all information provided by the User is true, accurate, current and complete. And you agree not to misrepresent your identity or your user information. You agree to notify us immediately of changes to your user information. If we approve your registration, you will be authorized to use the services, subject to these "Terms and Conditions" provided that the services are not used for fraud.

5.5 Promise and ensure that you only access and use our services on your own. LinkedPay will not be responsible for any third-party operation unless with written confirmation agreed by both parties.

6.1 Add funding sources to your account:

6.1.1 You can access available funds from sources other than your account, you can link bank accounts to your LPay Account, by reference and Multicaixa Express.

6.1.2 Confirmation and authorisation of your other funding sources is required by means of a one-time password, OTP and password for payment authorisation. Once authorized, you grant LinkedPay and your bank the authority to debit any of your source(s) at your request or at any recurring time you have indicated. Your authorization is confirmed by your successful login to the LPay platform (with the use of your password or fingerprint).

6.1.3 Once a funding source has been added to your account, you grant LinkedPay the authority to save and store the details of your funding source. Our Privacy and Cookie Policy will apply to all information stored and processed.

6.1.4 After the configuration and authentication of the funding sources added to your account, all payments processed from your account are considered genuine and LinkedPay will not be held responsible for any form of fraud, supervision or compromise.

6.1.5 You will be responsible for any charges or penalties from third parties or your bank that occur as a result of any transactions made on your account.

6.1.6 Please note that some transactions may involve Charges. Our LinkedPay rate schedules are available on our website, through communication with our Customer Service and will be displayed on the LPay App before any transaction is confirmed. The fee schedule provides details on the fee amounts, as well as the method and source of payment. LinkedPay reserves the sole discretion to revise the fee schedule from time to time in accordance with Section 10 of this Agreement.

6.1.7 You will be responsible for managing your funding sources, in terms of additions, removals and upgrades.

6.2 Transaction:

6.2.1 You can access the funds available in your account at any time using any of the channels you choose, on your mobile phone or the person responsible for the client business to manage the account, although we will make all reasonable efforts to provide the services as described in our policies and marketing. Transactions include, but are not limited to, the following: funds transfer, cash-in, cash-out, balance purchase, bill payment, and merchant payments.

6.2.2 All payments will be processed in local currency, i.e. Kwanzas.

6.2.3 For the payment order to be fulfilled, the account must be properly provisioned in the specified amount and the respective charges, when applicable, and the User is also responsible for specifying the exact amount of the operation.

6.2.4 Each transaction will be identified by a unique transaction ID, which is used to track and identify all transactions carried out on the LPay network. Your transaction ID is important for a variety of uses, including settling any issues arising from transactions made on your account.

6.2.5 LinkedPay will send you a receipt for all transactions made from your LPay account or carried out as an Agent. This message can be sent via smartphone notification, SMS, email, or other available channel.

6.2.6 Your Account will be credited with any deposit made into it, and the funds will be available for your use once the transaction has been approved.

6.2.7 The User's account cannot be debited until the payment order has been received. The moment of receipt of a payment order is the moment when that order is received by LinkedPay.

6.2.8 Orders given on non-working days shall be deemed to have been ordered on the working day. You must always meet the limit for processing orders on the same day, established by LinkedPay for the various products and services.

6.2.9 The User will only obtain the rectification of an unauthorized or incorrectly executed payment transaction if he/she communicates it to LinkedPay, as soon as he/she becomes aware of them, and within a period never exceeding thirteen months from the date of the debit. The procedure for the complaint is as provided for in Clause 23 of this Agreement.

6.2.10 LinkedPay is responsible for the initiation or correct execution of the payment transaction, provided that the order has been issued directly by the User, and provided that it proves that the non-execution, failure in execution or late execution are due to facts that are not attributable to it.

7.1 You may request the Pay by Transfer service.

7.1.1 Through the LPay Application, you will be assigned a digital account number that has been associated with your LPay account;

7.1.2 By binding a physical poster, you can link your digital account number and the linking code on the physical poster in the LPay Application.

7.2 You may use the linked digital account number to receive payments, transfers and other available activities provided by LinkedPay via the LPay Application. The Pay by Transfer service is linked to the LPay Account, which allows you to log in and access the service on the LPay App through your LPay Account (subject to the availability of such feature on the LPay App). All transactions completed through the Pay by Transfer service will be reflected in your LPay account balance.

7.3 The LPay Client may only have a maximum of two LPay accounts, with different numbers.

7.4 Any marketing activity of the Pay by Transfer service is subject to the display of the page on the LPay Application.

7.5 LinkedPay reserves the right to temporarily suspend its Pay by Transfer service at any time if we believe there is a risk.

8.1 Periodically, LinkedPay will verify the veracity of the information provided by Users, and the latter undertakes to keep it permanently updated and to send it to LinkedPay, whenever requested, within 5 (five) business days, from the date of the request, or after changes in the information, under penalty of the User responding, under the terms of the law, for the veracity, certainty, sufficiency and consistency of the information provided to LinkedPay, as well as for any divergence between the data provided to LinkedPay and the real and/or official data.

8.2 LinkedPay may use databases maintained by third parties to verify the veracity and proper updating of the information and documents provided by Users.

9.1 The table below describes the classification of Customers adopted by LinkedPay along the KYC (know your customer) levels and the applicable transaction limits. You must not withdraw, transfer or make any payments that in total exceed any of the per-transaction, daily, monthly and account balance limits set for your category. If you attempt to exceed the applicable limits, your transactions will be declined.

Customer Level (Individuals)

Level I

Passport type Photograph, mobile phone number, gender, Address, Full Name, Place and Date of Birth, marital status, nationality, signature or biometric data as applicable (and Facial Photograph when there is no official document with a photograph).

Limits per Transaction

Kz25,000.00

Daily Limits

Kz50,000.00

Monthly Limits

Kz100,000.00

Account Balance Limits

Kz100,000.00

Level II

All information requested in Level I, NIF and the Identity Card, proof of address.

Limits per Transaction

K50,000.00

Daily Limits

Kz150,000.00

Monthly Limits

Kz500,000.00

Account Balance Limits

Kz1.000,000.00

Level III

All information requested in Level II, Top-up via Multicaixa Express or bank account linking.

Limits per Transaction

Kz250.000.00

Daily Limits

Kz2.000.000.00

Monthly Limits

No Monthly Limits

Account Balance Limits

No Account Banlance Limits

Customer Level (Merchants)

Verification Requirements Per-Transaction Limits Daily Limits Monthly Limits Account Balance Limits

Level IV (Individuals for Commercial Purposes)

Identification of the activity, precarious trade license, street vendor card, fairground card or municipal vendor card and document issued by an authority recognized by the Angolan State.

Limits per Transaction

Kz500,000.00

Daily Limits

Kz3,000,000.00

Monthly Limits

No Monthly Limits

Account Balance Limits

No Account Balance Limits

Level V (Legal Entity)

Name of the company, corporate purpose, tax identification number, full address of the registered office, name of the partners and legal representatives, telephone contact and signature, identity card, passport or resident card of the partners and representatives, commercial registration certificate or business license and tax identification document.

Limits per Transaction

K500,000.00

Daily Limits

Kz4,000,000.00

Monthly Limits

No Monthly Limits

Account Balance Limits

No Account Balance Limits

9.2 LinkedPay may, acting reasonably and in accordance with the regulations established by the National Bank of Angola (B.N.A), change the limits at any time and any variation will be notified to customers through our website.

9.3 For the avoidance of doubt, please note that some transaction limits may be further reduced in relation to the BNA's maximum limits, approved as part of our risk control process (for example, where we have reservations on transactions made in your account).

9.4 The User undertakes, for the entire duration of his/her use of the LPay Application, to comply with the anti-fraud and anti-money laundering regulations applicable in Angola. In particular, you undertake to respond diligently to any request from LinkedPay or a regulatory or judicial authority in relation to any suspected fraud and/or money laundering activity on your account.

9.5 Any breach or suspected breach of anti-fraud and money laundering regulations by you, constitutes a serious breach of these Terms and Conditions and we reserve the right to immediately suspend or close your account and share your information with the relevant authorities.

9.6 Proceeds from suspected fraudulent transactions or money laundering will be kept by LinkedPay S.A., pending an internal or judicial, regulatory or administrative decision.

10.1 The fee due for the provision of services will be the one resulting from the application of the tariff defined in this Agreement (Annex I).

10.2 All changes to this tariff will be communicated by LinkedPay to the User 60 (sixty) days in advance of the effective date of the new tariff.

10.3 If the User does not agree with the changes communicated by LinkedPay, he/she may terminate the Agreement without any charges.

10.4. The termination of the Contract, under the provisions of the previous number, does not entitle the User to any compensation.

10.5 After the period of 60 (sixty) days referred to in paragraph 10.2., and without LinkedPay having received communication from the User, in order to terminate the Agreement, the changes communicated to it will come into force.

10.6 The fee for each transaction will be debited directly from the Payment Account at the conclusion of each transaction.

10.7 The rate excludes taxes applicable by law.

10.8 The User will not be allowed to carry out any transaction if he does not have enough electronic money in his Payment Account to cover the amount of the transaction and applicable charges (fee and taxes).

11.1 LinkedPoints" are part of a loyalty program in the LPay Application that allows LinkedPay customers to receive points when their transactions qualify for such points or as rewards within the LPay Application, according to temporary campaigns offered by LinkedPay.

11.2 LinkedPoints will be credited to the client's LPay account immediately or shortly after the qualifying activity/transaction has been completed. The amount of points awarded may change and will vary depending on the completed transaction; the amount spent; and when the transaction occurred.

11.3 LinkedPoints can be redeemed on specific transactions as defined by LinkedPay. These transactions can include LinkedPay referrals, mobile phone recharge, and bill payment.

11.4 Clients can earn a maximum of 1000 LinkedPoints per day. If you earn more than this amount and your behavior is legitimate, we may contact you to update your account.

11.5 LinkedPay has the right to remove LinkedPoints at any time if transactions are reversed or cancelled.

11.6 LinkedPay has the right to remove LinkedPoints from a customer's account if it detects or suspects fraudulent behavior. This should include, but is not limited to, transactions that go beyond what can objectively be considered consumer behaviour or personal use.

11.7 LinkedPay may set a limit on the number of times LinkedPoints can be awarded to a promotional item from time to time.

11.8 The rules of LinkedPoints will be published through our website.

11.9 LinkedPoints awarded at the time of the transaction or LinkedPoints already issued may be removed or cancelled if LinkedPay determines that the points were accumulated in breach of these Terms and Conditions or were awarded in error. For the avoidance of doubt, any advice or actions of our staff or the Agent that are contrary to these Terms and Conditions shall not have the effect of altering these Terms and Conditions.

11.10 LinkedPoints have no value until they are converted into transaction discounts at the time of redemption. The current conversion value of points is one point equal to one Kwanza. This conversion rate may change in the future.

11.11 LinkedPay is under no obligation to award LinkedPoints for any reason outside of qualifying transactions.

11.12 The expiration date of LinkedPoints will be communicated and disclosed to Users periodically.

Unless otherwise stated, all funds in your LPay account will be insured up to the maximum level of coverage for depositors as per Standard Bank Angola's deposit.

13.1 When making a payment to any person or entity in exchange for goods or services (hereinafter as the "Merchant") on LPay, the User shall be obliged to confirm the transaction. At this point, you may also be asked to enter your payment password, depending on the channel. By entering their payment password to confirm the transaction, the User agrees and confirms that they have authorized the transaction. You will not be able to directly reverse or cancel any payment once it has been approved by you.

13.2 When making a payment on a Merchant website through the LPay App, you will be required to log in to your LPay account, before payments can be made.

13.3 As we are unable to reverse or reverse any payments made, if you have a dispute with any merchant, you must resolve such disputes directly with the merchant.

13.4 Disputes between you and a merchant will not affect our right to recover your payments.

13.5 You acknowledge that your dealings with a Merchant are solely at your own risk and agree that LinkedPay will not be liable for any loss or damage of any kind related to your dealings with a merchant. All rules, policies (including privacy policies) and operating procedures of a merchant will apply to you while you are on the merchant's website.

13.6 The foregoing clause also applies to third-party websites, advertisers, special offers, other events or activities that are not owned, controlled or operated by LinkedPay, whose links can be found on our services.

You acknowledge and accept that when the LPay Application contains links, registration portals, interfaces with other websites, resources, products and services provided by third parties, these are provided only as a courtesy. LinkedPay has no control over such third-party websites, resources, products, or services, and further agrees to waive any and all claims and rights against LinkedPay in respect of any loss or damage you may incur as a result of your use of the third-party services.

14.1 The User is entitled to a full refund, by LinkedPay, of an authorized payment transaction, initiated by or through the beneficiary, and which has already been executed, if the following conditions are cumulatively met:

(a) the commitment does not specify the exact amount of the payment transaction at the time it was granted; and

(b) the amount of the payment transaction exceeds the amount that the payer could reasonably expect taking into account its previous spending profile, the terms of this Agreement and the specific circumstances of the case.

14.2 The User has the burden of proving that the conditions set out in the preceding paragraph are met.

14.3 For the purposes of paragraph b) of paragraph 14.1, the User may not rely on reasons related to the exchange rate, if the reference exchange rate agreed with LinkedPay has been applied.

14.4 The User is entitled to submit the refund request within a period of 8 (eight) weeks from the date on which the funds were debited.

14.5 Within 10 (ten) working days from the receipt of the refund request, LinkedPay will proceed with the refund or provide a justification for its refusal.

14.6 The User will not be entitled to a refund if the following conditions are cumulatively met:

a) The User having given his/her consent for the execution of the payment transaction directly to LinkedPay; and

b) Where applicable, LinkedPay or the beneficiary has provided or made available to the User, in the agreed manner, information on the future payment transaction at least 4 (four) weeks before the execution date.

15.1 LPay Account

15.1.1. When signing up for an LPay account, you will be asked to add a username (your mobile number), a login password and a transaction approval payment password. You may also be asked to answer one or more security questions of your choice, and you may be asked to select a security image. You are responsible for the safekeeping and proper use of this security data.

15.1.2 The User is responsible for safeguarding his/her password, payment password and security details. Accordingly, you are responsible for all transactions that occur on your account as well as applicable channels and undertake to indemnify us against any claims in relation to transactions made on your account.

15.1.3. If, at any time, the User believes or discovers that his/her login password or payment password has been stolen or compromised, the User must immediately start his/her LPay Account, and change the login password or payment password. If you are unable to change your security details, you should contact our Customer Service immediately. LinkedPay will deactivate the User's account to prevent possible misuse by third parties. Notification should be made to Customer Support, through the number +244 945291843. The User releases LinkedPay from any claims and/or indemnities based on any transactions made with his/her Payment Account before the notification provided for herein is received by LinkedPay.

15.2 If you dispute any purchase or withdrawal debited from your account, you will be asked to prove that you have not had your consent. These transactions will be investigated as soon as we receive an affidavit clearly stating that you did not authorise the transaction, accompanied by evidence.

15.3 We reserve the right to suspend or disable a user account if we have reasonable grounds to believe that there may be a breach of the security of that user account, if we suspect unauthorised or fraudulent use of that account or if we are required by law to do so.

15.4 We may ask certain questions to confirm your identity or require you to provide the OTP when you call our Customer Service. Once your identity is confirmed, we will execute your instructions. However, please note that we will never ask for your login password or payment password. We advise you not to disclose your login password or payment password to anyone under any circumstances.

15.5 We care about the integrity and security of your user information. We have implemented commercially reasonable technical and organizational measures designed to protect your information from accidental loss and unauthorized access, use, alteration, or disclosure. However, you acknowledge and agree that, despite our reasonable security measures, we cannot guarantee that electronic communications over the internet are 100% secure and that unauthorized third parties will never be able to breach these measures or use your user information for improper purposes. The User acknowledges that he/she has no obligation to use the services and that he/she provides any personal or confidential information to use the services at his/her own risk.

You acknowledge and agree that content, including, without limitation, text, software, music, sound, photographs, video, graphics, images, logos, button icons, editorial content, notices, design, compilation, magnetic translation, digital conversion, software (including, without limitation, HTML-based computer programs), other materials, and other information presented to you through the services or other matters related to the services (collectively "Content"), are protected by copyrights, trademarks, and other proprietary rights (including, but not limited to, intellectual property). You are only permitted to use this content as expressly authorized by LinkedPay or the services. You do not acquire ownership rights in any content viewed through the Website/App or any express or implied license to our intellectual property or the intellectual property of our licensors. Use of content that is not expressly permitted by these Terms is strictly prohibited. The posting of information or materials on the Website or Application does not constitute a waiver of any right to such information and materials.

The services may allow you to send content, send emails and other communications, and provide other information for publication or distribution to third parties (collectively, "user content"). Any user content must not be unlawful, threatening, obscene, racist, defamatory, libelous, pornographic, infringing of intellectual property rights, promoting illegal activity or harm to groups and/or individuals, invasive of privacy, purposely false or otherwise harmful to third parties, or objectionable and must not consist of or contain software, computer viruses, commercial solicitation, political campaigns, chain letters, mass mailings, or any form of "spam." If you submit user content, and unless otherwise indicated, you grant us a non-exclusive, perpetual, royalty-free, irrevocable, and fully SUB-licensable (through multiple tiers) right to use, modify, reproduce, adapt, translate, publish, create derivative works from, distribute, display, and otherwise exploit such user content throughout the world and in any medium. We assume no responsibility for any user content submitted by you or any other user or third party. You acknowledge that your disclosure is gratuitous, unsolicited, unrestricted, and will not place LinkedPay under any fiduciary or other obligation. You further acknowledge that by accepting your submission, LinkedPay does not waive any rights to use similar ideas, related previously known to LPay, or developed by its officers, employees, agents or contractors, or obtained from sources other than by LPay.

18.1 The execution of a payment transaction is dependent on the express consent of the User, and the consent may be given before or, if agreed between the parties, after the execution of the transaction. See 13.1

18.2 The absence of consent presupposes that the transaction has not been authorized.

18.3 The consent given by the User may be withdrawn, provided that he does so until the moment when the order is considered irrevocable.

18.4 LinkedPay respects and is committed to protecting your privacy. Please understand that by accessing or using the services and/or submitting your user information through the services, you consent to the use, storage, and disclosure of your User information as set forth in our Privacy and Cookie Policy. See the full Privacy and Cookies Policy on our website.

18.5 The User acknowledges that his/her personal data, including but not limited to name, mobile phone number, date of birth, email address and device information submitted during registration, are processed by LPay in the manner described in our Privacy and Cookies Policy.

18.6 The User expressly consents that LinkedPay may use and process the aforementioned data for the purposes described in our Privacy and Cookies Policy.

18.7 The User consents to the personal data collected being shared with the regulator and operators of the Angolan Payment System, for the purposes of superintendence, management and operation of said system, and LinkedPay undertakes to safeguard compliance with the provisions of article 92 of the Angolan Payment System Law.

18.8 The User expressly consents to the personal data collected being shared with third parties who are involved in the execution of the Services through subcontracting by LinkedPay. For this purpose, the User's personal data may be transferred to other territories, and LinkedPay undertakes to safeguard, in writing, that the entity receiving the personal data complies with the provisions of the Personal Data Protection Law.

18.9 The User authorizes that his/her personal data is also used by LinkedPay for the selection of advertising targeted at the User.

18.10 The information shared is processed on the basis of LinkedPay's guidelines.

18.11 LinkedPay acknowledges that the consent described in the previous point may be withdrawn at any time (without any reason) by sending an email by the User to the suporte@LinkedPay.co.ao and +244 945291843.

18.12 The User may exercise his/her rights under the Data Protection Act with LinkedPay at any time.

Viewing, printing or downloading any graphic content, form or document from the Website or Application grants you only a limited, non-exclusive right to use, solely by you for your own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works No part of any content, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, except for your personal use (but not for resale or redistribution). You agree not to engage in: (a) copying, modifying, distributing, or disclosing any portion of the Services in any medium, including, without limitation, by any automated or non-automated "scraping" or creation of any derivative product; (b) collect any information from you, including without limitation, service account names; (c) impersonate another person or entity, falsely state, misrepresent your identity or affiliation with a person or entity, conduct fraud, conceal or attempt to conceal your identity; (d) interfere with the proper functioning of the services; (e) access any content on the Services through any technology or means other than those provided or authorized by the Services; (f) disassemble, decompile, or reverse engineer the Services or any portion of the Services or otherwise seek to derive the source code of the Services, except to the extent such restriction is expressly prohibited by law; (g) use the Services in any unlawful, harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, or otherwise objectionable manner as we may determine in our sole discretion; or (h) jeopardize the security of your user account or the accounts of any other users.

In addition to any other indemnification provision provided in these Terms, you agree to indemnify, hold harmless and reimburse LinkedPay, its affiliates, their agents, licensors, suppliers, contractors and third-party service providers, and their respective employees, members and directors and (collectively "Indemnified Parties") from and against any and all claims, losses, suits, damages (actual and consequential), obligations, penalties, any losses arising from the loss or theft of your user information or your mobile device or from unauthorized or fraudulent transactions associated with your user account, fines, liabilities, settlements, costs or debt, and expenses (including, without limitation, reasonable legal costs and attorneys' fees), losses arising out of or in any way connected with any third-party claims relating to your use of the services, violation of these Terms, applicable law, or any rights of any third party, or your fraud or intentional misconduct. This defense and indemnification obligation will survive any termination of these Terms and your use of the services.

21.1 You agree that, to the extent permitted by applicable law, we may, in our sole discretion and without liability to you, terminate (or suspend access to) your use of the services, content or your account for any reason, including but not limited to your breach of these Terms.

21.2 We will not be liable to you for any direct, indirect, consequential or special damages arising from any act or omission by us or any third party for which we are liable; whether they appear in a contract or statute; or if we terminate or suspend your account in accordance with these Terms.

21.3 In any case, when your LPay account is closed for any reason and you have a balance of funds, you may make a request to our Customer Service for the return of your balance and it will be made available for you to withdraw, preventing any legal or regulatory provisions that prevent such withdrawal.

You may terminate your use of our services at any time upon notice to LinkedPay and in accordance with the guidelines provided by LinkedPay.

Please contact LinkedPay for the notice period and applicable requirements.

23.1 Any complaints that the User wishes to make must be made through the LPay Application, and may also be addressed to an Agent or by e-mail, being duly substantiated and accompanied by all the documentary elements that the User has and that are proof of the fact that is the object of the complaint.

23.2 LinkedPay will make every effort to respond, also on a durable medium (paper or email), to the complaints submitted by the User as soon as possible.

23.3 Complaints by email should be sent to: suporte@linkedpay.co.ao using your email and address provided by you. Customer service is available at the telephone number: +244 945291843.

24.1 Communications to the User under this Agreement shall be made as follows: a) on paper, delivered directly to the User and given by the User by the Agent; b) in electronic form, by e-mail addressed to the User, by the mobile phone number presented by the User or at a later time, in writing; and c) by SMS.

24.2 The User undertakes to immediately notify LinkedPay of the update of the telephone number, e-mail address as well as the communication elements declared in the LPay Account opening form.

24.3 In the event that, due to the User's fault or in the impossibility of locating the indicated number, the communication is not made, it will be considered received, exempting LinkedPay from any other responsibility.

24.4 LinkedPay will not be liable for damages or losses resulting from the non-communication or impossibility of executing orders or instructions from the User, whenever for reasons that are proven not attributable to it, the six computer systems or third parties, whose use for the necessary purpose, do not allow the timely or complete execution of such communication, orders or instructions.

24.5 The written communication inserted in the account statements that are delivered to the User will be considered.

24.6 The communications that the User has to make to LinkedPay will be made as follows: a) on paper, delivered directly to the Agent; b) in electronic form, by e-mail to the address suporte@LinkedPay.co.ao; and c) to LinkedPay's headquarters located in the Province of Luanda, Municipality and Urban District of Talatona, Masuika Building, Tower B, 1st A.

24.7 Communications between the Parties will be made in Portuguese, admitting, exceptionally, the use of other languages, as long as LinkedPay deems it convenient.

25.1 LinkedPay may post notices, links or SMS through its services to inform you of changes to the Terms, the services or other important matters.

25.2 Without prejudice to the provisions of the previous point, the User accepts that LinkedPay, at any time, namely due to market variations, may unilaterally amend this Agreement, with 60 (sixty) days of prior notice, in relation to the dates on which the changes must come into force, and such communication may be made in accordance with the provisions of Clause 24.

25.3 Changes to this Agreement will be deemed to have been accepted by you if you have not objected in writing to the changes between the date on which you are deemed to have received prior notice and the date on which the changes come into force.

25.4 Any amendment to this Agreement that may occur will apply to all new operations that take place after such amendment, as well as to the renewal of ongoing operations.

25.5 The User may terminate this Agreement, free of charge, if he/she does not agree with the changes to be made under the terms of the previous paragraphs, unless the amended contractual provision is of a purely instrumental nature.

26.1 Without prejudice to the provisions of the following number, this Agreement will be in force indefinitely.

26.2 Either Party may, at any time, terminate this Agreement and the agreements relating thereto, provided that it communicates its intention to the counterparty with 60 (sixty) days' prior notice in relation to the intended date for the termination to take effect.

27.1 Governing Law: These Terms are made under and shall be governed by and construed in accordance with the Laws in force in the Republic of Angola, without giving effect to any principles providing for the application of the law of another jurisdiction.

27.2 No Waiver: The failure of LinkedPay to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

27.3 Severability: If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the invalidity of such provision shall not affect the legality, enforceability, or validity of the remaining provisions, which shall remain in full force and effect.

27.4 Assignment: LinkedPay expressly reserves the right to assign, delegate and transfer these Terms and its rights and obligations under these Terms in part or in whole and including, without limitation, to a subsidiary, affiliate, successor or any third party without your consent. You shall not transfer, assign or delegate these Terms, or your rights, obligations and user account in any way under these Terms, to any person or entity without our prior written approval.

27.5 Entire Agreement: These Terms, together with our Privacy and Cookie Policy, guidelines and any other legal notices published by us, shall constitute the entire agreement between us and you in relation to the Website, the content, products or services provided by us or through the Website. You acknowledge and agree that you do not have any authority of any kind to bind LinkedPay in any respect.

27.6 Disclaimer: The Services, all components, and related information are provided on an "as is" and "as available" basis, without any warranties of any kind, and LinkedPay expressly disclaims any and all warranties, express or implied, including but not limited to the implied warranties of merchantability, title, fitness for a particular purpose, and non-infringement. You acknowledge that LinkedPay does not guarantee that the Services will be uninterrupted, timely, secure, error-free or virus-free, nor does it make any warranty as to the results that may be obtained from the use of the Services.

27.7 Additional Terms: In conjunction with your access to or use of the services, you may be subject to additional terms, rules, policies and conditions that are posted on the Website, including but not limited to Terms and Conditions for our referral or rewards programs (the "Additional Terms"), which are incorporated by reference into these Terms. In the event of a conflict between any Additional Terms and these Terms, they shall prevail.

27.8 Language of the Agreement: This Agreement is concluded in the Portuguese language.

27.9 Dispute Resolution: The Parties declare that they will make every effort to seek to resolve any disputes, doubts or omissions arising from the execution of this Agreement in an amicable manner.

27.10 If amicable resolution is not possible, disputes will be resolved as follows: (i) Mediation; (ii) Arbitration. If mediation is chosen, it will take place at the Extrajudicial Dispute Resolution Centre (CREL), in accordance with the Mediation Rules in force at the time of the dispute. If at the end of the period of 1 (one) month the dispute is not resolved, in whole or in part, through Mediation, it will be resolved by resorting to Arbitration, at CREL, in accordance with the Law on Voluntary Arbitration and the Arbitration Rules in force at the time of the dispute, also observing the following:

a) The number of arbitrators shall be three, appointed in accordance with the Rules;

b) The Arbitral Tribunal judges in accordance with the law constituted in Angola;

c) The allegations of fact and law shall be made in writing;

d) The language of the arbitration shall be Portuguese;

e) The decisions of the Arbitral Tribunal shall not be subject to appeal.