2.1 After completing your registration, the Merchant must accept the Terms and Conditions of Merchant Membership Service of our Institution, which will provide you with payment processing services.

2.2 As part of your registration process, we may assess your business from a compliance and risk standpoint. This agreement will also include pricing information.

2.3 Once registered, the Merchant will be able to select the payment integration method that best suits their needs. We offer different types of payment methods that may include cards and e-money. Using the LPay Portal, the Merchant can manage their payments and process refunds to customers if necessary. Funds will be settled in your account periodically based on the volume processed with LPay.

2.4 To protect your business, we may occasionally refuse transactions that we believe to be fraudulent. Our merchant support lines are open Monday to Friday from 8 am to 6 pm and our team is fully available to assist you with customer service.

3.1 As part of your Merchant Account, we will also provide you with access to the LPay portal. This portal allows the Merchant to:

(1) View your processed transactions.

(2) View the payouts to your LPay account.

(3) Check Full refunds for customers.

(4) View analytics based on your business.

(5) Check the details of your integration.

3.2 It is your responsibility to manage the account and password information provided to access the Merchant Portal.

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

Customer Level

Verification Requirements

Limits per Transaction

Daily Limits

Monthly Limits

Account Balance Limits

Level IV (Natural Persons for Business Purposes)

Identification of the activity, price list 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	Kz500.000,00
Daily Limits	Kz4,000,000.00
Monthly Limits	No Monthly Limits
Account Balance Limits	No Balance Limits

Merchant is independent and responsible for complying with all applicable Laws relating to the use of the service portal. However, by accessing and using the portal, the Merchant agrees to comply with the Terms and Conditions of our User Policy, which can be read on the official LinkedPay page.

6.1 The merchant consents that LinkedPay may use their personal data whenever necessary, for a better functioning of its services.

6.2 The customer/merchant consents to their personal data 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.

7.1 LinkedPay reserves the right to terminate the Merchant Service at any time upon prior notice by email or advertisement on its website in accordance with applicable law.

7.2 LinkedPay has the right to verify the Merchant's activity, if the Merchant's use violates the Local Law and Policies, or Social Morality, Public Order and Customs, or has a Negative Impact on the LinkedPay Brand, LinkedPay shall have the right to terminate the Services and will not diminish any Compensation rights that LinkedPay may have under the Law.

By accessing or using the LPay portal, the Merchant agrees to abide by the Terms and Conditions of this Policy.

The Merchant may not use the LPay Portal in connection with any product, Service, Transaction or Activity that:

1.1 Violate any Law or Government Regulation, Promote or Facilitate this to Third Parties.

1.2 Violate Any Rules or Regulations of Visa, MasterCard, or Any Other Electronic Funds Transfer Network (each, a "Card Network").

1.3 Is Fraudulent, Deceptive, Unfair, or Predatory.

1.4 Cause or Threaten to Cause Damage to Our Reputation or Any Card Network.

1.5 Involve Any of the Business Categories Listed in Clause 2.

1.6 Result in or Create a Significant Risk of Chargebacks, Penalties, Damages, or Liability.

2.1 The Merchant may not use the LPay Portal in connection with any Product, Service, Transaction or Activity that:

(1) Falls under the Prohibition List of the Customs Administration of the Republic of Angola.

(2) Refers to the Sale and/or Purchase of:

(3) Prohibited Narcotics, Steroids, Certain Controlled Substances, or Other Products That Pose a Risk to Consumer Safety.

(4) Blood, Body Fluids, or Body Parts.

(5) Theft Tools.

(6) Counterfeit Items.

(7) Illegal Drugs and Drug Equipment.

(8) Fireworks, Destructive Devices and Explosives.

(9) Identity Documents, Government Documents, Personal Financial Records, or Personal Information (in Any Format, Including Contact Lists).

(10) Lottery Tickets, Draws Without the Necessary License.

(11) Offensive Material or Hate Speech or Items That Promote Hatred, Violence, Racial Bigotry, or the Financial Exploitation of a Crime.

(12) Police Badges or Uniforms.

(13) Chemicals.

(14) Items recovered.

(15) Prohibited Services.

(16) Unlicensed Financial Services, Shares or Other Securities.

(17) Stolen property.

(18) Items That Infringe or Violate Any Copyright, Trademark, Right of Publicity or Privacy or Any Other Proprietary Right under the Laws of Any Jurisdiction.

(19) Sale of Coin without BNA License, Specific Cryptocurrency Operators.

(20) Obscene Material or Pornography.

(21) Specific Materials or Sexual Orientation Services.

(22) Firearms, Firearm Parts or Accessories, Ammunition, Weapons or Knives.

(23) Any Product or Service that is Unlawful, Marketed or Sold in a Way That Creates Liability for LinkedPay.

2.2 Or Refer to Transactions that:

(1) Showing the Personal Information of Others in Violation of Applicable Law.

(2) Support Pyramid or Ponzi Schemes, Matrix Programs, Other "get rich quick" Schemes or Certain Multi-Level Marketing Programs.

(3) Are Associated with Annuity Purchases or Lottery Contracts, Lay-Away Systems, Off-shore Banking Services or Transactions to Finance or Refinance Credit Card Financed Debt.

(4) Refer to Ammunition and Weapons.

(5) Involve Gambling, Gaming and/or Any Other Activity with an Entry Fee and a Prize, including but not limited to Casino Games, Sports Betting, Horse or Greyhound Racing, Lottery Tickets, Other Ventures Facilitating Gambling, Games of Skill (whether or (is not Legally Defined as a Lottery) and Sweepstakes, Unless the Operator has Obtained Prior Approval from LinkedPay and the Operator and Customers are Exclusively Located in Jurisdictions where such Activities are Permitted by Law.

If, in our sole discretion, we believe that the Merchant may have engaged in any violation of this Use and Acceptance Policy, we may (with or without notice) take such actions as we deem appropriate to mitigate the risk to LinkedPay and any affected third parties and to ensure compliance with this Use and Acceptance Policy. Such actions may include, without limitation:

3.1 Blocking payments or completing one or more payments.

3.2 Suspend, restrict or terminate your access to and use of the Services to the LPay application.

3.3 Termination of our business relationship with the Company, including termination without liability to LinkedPay of any payment service agreement between the Merchant and LinkedPay.

3.4 Take legal action against the Merchant.

3.5 Contact and disclose information relating to such breaches to (i) persons who have sold/purchased goods or services from the Merchant, (ii) any banks or card networks involved with their business or transactions, (iii) regulatory or law enforcement agencies, and (iv) other third parties who may have been affected by such breaches.

3.6 Assess against the Merchant any fees, penalties, assessments or expenses (including reasonable attorneys' fees) that we may incur as a result of such breaches, which the Merchant agrees to pay immediately upon notice.

4.1 We may need to update, modify or change our Merchant Use and Acceptance Policy at any time. We reserve the right to make changes to this Use and Acceptance Policy.

4.2 We advise the Merchant to check this page frequently for the date of the last modification to the page.

5.1 This contract will be valid for an indefinite period.