GENERAL TERMS OF USE

NAKA PAY APP

1 April 2026

1. BASICS

These General Terms of Use (“General Terms”) set forth the legal framework applicable to NAKA Pay App. The General Terms aim to present the basic rights and obligations between you as a user of NAKA Pay App (“User”, “you”, “your”) and the NAKA Entity managing and operating NAKA Pay App (“NAKA”, “us”, “our”). The NAKA Entity managing and operating NAKA Pay App:

These General Terms refer solely to the use of NAKA Pay App and do not regulate any other legal relations between you and us or between you and the NAKA Partners or third parties. Provision of other NAKA Services (e.g., obtaining NAKA Card, participating in NAKA Payment Network as a Merchant, etc.) is governed by separate general terms of use for a specific NAKA Service and other legal documents relating to that particular NAKA Service.

1.1 Your Agreement to these General Terms  

By using NAKA Pay App, you confirm that you have carefully read these General Terms, and you agree to be bound by them. If you do not agree with them, we recommend you cease using NAKA Pay App immediately. If you do not fully understand a provision of these General Terms, we recommend you consult us before starting to use NAKA Pay App. We will be very pleased to answer all your questions and clarify any possible ambiguities. We are available at the e-mail address stated above. We recommend that you occasionally review these General Terms and the Personal Data Protection Notice NAKA Services, because these documents together form the agreement between you and us regarding the use of NAKA Pay App.

If you are a natural person, you are only allowed to use NAKA Pay App if you are older than 16 years. In case the legal age in your jurisdiction is more than 16 years, you hereby confirm that you have obtained the required consent from your legal guardian for using NAKA Pay App.

By accessing and using NAKA Pay App, you represent that you are financially and technically sophisticated enough to understand the inherent risks associated with using cryptographic and Blockchain-based systems, and that you have a working knowledge of the usage and intricacies of the Crypto-Assets.

1.2 Changes to the General Terms

We reserve the right to amend these General Terms at any time and upon our sole discretion. In such cases, we will use reasonable efforts to provide notice of changes, such as by publishing the notice on our webpage. Alternatively, you may track the current version of these General Terms by the date of their effect stated at the top of the General Terms. We also recommend that you save a copy of the General Terms for future reference and comparison. By continuing to access or use NAKA Pay App, you confirm you accept the General Terms in their current version. It is your sole responsibility to review them from time to time to ensure you are acquainted with the applicable version of the General Terms, including any changes thereto. We recommend you check these General Terms each time before using NAKA Pay App to ensure that you understand what terms and conditions apply when you access or use NAKA Pay App.

1.3 Applicable Terms and Definitions

Terms and capitalized words not defined in the main text have the following meanings:

2. PROVISION OF SERVICES THROUGH NAKA PAY APP

To use NAKA Pay App, you must first download it from the store (Google Play or Apple Store, based on the operational system used on your electronic device) and create a new wallet or add an existing one.

2.1 Creating a new user profile

Before you commence using NAKA Pay App, you must set a 4-digit Passcode or enable face recognition feature on your device. The Passcode serves as a fundamental security measure, granting access to NAKA Pay App and preventing unauthorized entry. Setting NAKA Pay App Passcode initiates the creation of the Smart Contract, enabling you to utilize the functionalities of NAKA Pay App. Following the Passcode setup, you are presented with three options for backing up the Seed Phrase: (i) a manual backup, (ii) iCloud backup, or (iii) Google Drive backup. Opting for Google Drive backup necessitates the creation of a master password. This master password is essential for decrypting the Seed Phrase stored on Google Drive, ensuring its security. Alternatively, selecting iCloud backup automatically encrypts the Seed Phrase, enhancing its security.

IMPORTANT: NAKA Pay App is self-custodial, therefore we do not retain any copies of the Passcode, the Seed Phrase, or the master password. Consequently, in the event of their loss, we cannot facilitate recovery. Therefore, we recommend that you ensure you securely save the Passcode, the Seed Phrase, the master password or any other security feature you use to access NAKA Pay App.

2.2 Adding Existing Profile

You may initiate the process of adding an existing profile by selecting the method for importing the Seed Phrase. Three options are available: (i) a manual import, (ii) iCloud import, or (iii) Google Drive import. If you opt for manual import, you must enter the Seed Phrase manually into the designated fields. Alternatively, if you choose to import the Seed Phrase from iCloud or Google Drive, you will be prompted to input the master password to decrypt the Seed Phrase stored on Google Drive. The Seed Phrase on iCloud will be decrypted automatically. Upon successful decryption, you are required to set a 4-digit Passcode. The Passcode serves as a fundamental security measure, granting access to NAKA Pay App and preventing unauthorized entry. By completing these steps, you will successfully import NAKA Pay App, gaining access to its functionalities.

2.3 Card(s) Management 

The use of the Cards is facilitated through your profile within NAKA Pay App. To be issued and to use the Cards, you are required to generate the Smart Contract on the Blockchain and connect it to their Card in NAKA Pay App.

Please note that none of the NAKA Entities is the owner, custodian, or controller of the Smart Contracts used within NAKA Payment Network to facilitate transactions between recipients (e.g., the Merchants) and the Cardholders. The NAKA Entity that provides NAKA Pay App (as stated in section 1. BASICS) does not offer to the Users: (i) custody or management of the Crypto-Assets, (ii) exchange between the Crypto-Assets or between the Crypto-Assets and the Fiat, (iii) transfers of the Crypto-Assets, as the Smart Contract is exclusively managed by the Cardholder, who alone holds the Private Key used to interact with the Smart Contract. The Cardholder is solely responsible for ensuring sufficient Crypto-Assets before using the Cards for payments, by transferring the Crypto-Assets from your chosen Digital Wallet to the Smart Contract linked to your NAKA Card or NAKA+ Card. The Cardholder is also the only one who can authorize a transaction using NAKA Pay App and initiate the transfer of the Crypto-Assets with your Card.

NAKA Pay App also enables the following features:

2.3.1 Payment Card Settings

(a) Set/Change PIN: You have an option to set and/or change PIN associated with the Card.

(b) Daily limit: You can set an overall daily spending limit from USDt 10.00 to USDt 999.99. The default daily spending limit is set to USDt 999.99. For NAKA+ Card, the daily spending limit is from USD 10.00 to USD 9,999.99. The default daily spending limit is set to USD 999.99.

(c) Payment (single transaction) limit: You can set a single transaction limit from USDt 10.00 to USDt 999.99. The default single transaction limit is set to USDt 500.00. For NAKA+ Card, the single transaction limit is from USD 10.00 to USD 9,999.99. The default single transaction limit is set to USD 999.99.

(d) Block Card: If you lose or damage your Card, or the Card is stolen from you, you can block the Card by selecting the block feature. By doing so, you will no longer be able to unblock the Card, thus you will be required to obtain a new Card to be used with the existing Smart Contract. In such cases, you also have an option to “Request new card” on NAKA Pay App’s home screen to order a new Card. In such cases you will undergo the same linking procedure as described above (regarding the physical Card).

(e) Freeze Card: You may use this feature to temporarily disable your Card for a selected period. You can reactivate the Card at any time, at which point it will immediately be enabled for further use.

(f) Show Card details: This functionality shows you the Cardholder’s name, the Card number, expiry date and CVV.

2.3.2 Top-up the Card

You can transfer your Crypto-Assets, stored with third-party service providers (e.g., Binance, MetaMask, Ledger) to the Smart Contract linked to your Card. By selecting “Top-up” within NAKA Pay App’s interface, you gain access to the information about the Crypto-Asset, the Blockchain network on which such Crypto-Asset is issued, the Blockchain deposit address, and a QR code containing the Blockchain deposit address. You also have an option to share the Blockchain deposit address via various messaging methods supported on your electronic device (e.g., email and messaging applications). When performing transactions in NAKA Pay App, you will have to pay the Gas, required by the Blockchain Network, as well as any associated fees from the third-party service provider(s), to facilitate the transfer of Crypto-Assets to the Smart Contract. 

Upon completion of payments and Blockchain confirmations, the transferred Crypto-Assets will be deposited into the Smart Contract, and the corresponding amount balance will be updated on NAKA Pay App’s home screen. There are no restrictions on the number of top-ups or the amount of the Crypto-Assets that can be sent to the Smart Contract associated with your Card.

2.3.3 Withdrawal of Crypto-Assets

You can withdraw the Crypto-Assets from the Smart Contract which is connected to the Card. Upon selecting the “Withdraw” option within NAKA Pay App interface, you will be prompted to enter the desired withdrawal amount. Following this input, you will be notified that the withdrawal amount will be reserved for a duration of one (1) hour before becoming eligible for withdrawal. Next, you will be prompted to enter the Blockchain withdrawal address, with a reminder to ensure that the provided address can accept the Crypto-Asset that you are withdrawing. During the 1-hour reservation period, you maintain the option to cancel the withdrawal request by selecting “Cancel Withdraw”. However, once the 1-hour period elapses, you are required to confirm the withdrawal by clicking on “Complete Withdraw”. Only one withdrawal request can be initiated within a single hour, and you will be unable to make multiple withdrawal requests simultaneously.

2.3.4 Transaction History

This feature shows you the following transaction details relating to the Card: (i) amount in Fiat, (ii) amount in the Crypto-Asset, (iii) exchange rate between the Fiat and the Crypto-Asset, (iv) the date and time of the transaction, (v) the Merchant’s name.

2.3.5 NAKA Locations

This feature shows you (and also allows you to search through) the locations of Merchants that accept NAKA Cards and Crypto QR Payments as a means of payment.

2.4 Making Payments with Cards

To initiate a payment, the Cardholder presents (i) their NAKA Card to the Merchant’s Terminal or (ii) their NAKA+ Card to the Terminal supporting payments with that card. The payment request is in any case signed with the Cardholder’s Private Key and countersigned by the Card Issuer, with both signatures verified by the deployed Smart Contract. Once validated, the Smart Contract transfers the Crypto-Assets to the acquirer’s address designated for the receiving merchant.

2.5 Identification and Verifying Identity

In accordance with the AML/CTF Legislation (and in particular, the Travel Rule), we are required to verify the identity of the Payer (regardless of the means of payment, e.g., NAKA Cards, Digital Wallets). NAKA Pay App facilitates such identity verifications for both payments with the Cards and Crypto QR Payments.

To perform the identity verification, the Payer must create the Digital ID using NAKA Pay App (i) before using the Card for the first time, or (ii) before initiating a payment via their Digital Wallet.

When paying with the Card, the Digital ID is automatically shared during the transaction. For Crypto QR Payments, the Digital ID must be shared manually: the Terminal displays a QR code, which the Payer must scan using the built-in scanner in NAKA Pay App. For e-commerce POS solutions, the personal data required for the Digital ID is entered manually.

For detailed information on the Travel Rule Obligation and the manner in which the collected data is processed during the identification and verification process, please see the applicable Personal Data Protection Notice NAKA Service.

2.6 Other Services

Please note that not all of the services provided within NAKA Pay App are necessarily provided by the NAKA Entity, which offers NAKA Pay App. Some of the services may be provided through the NAKA Group’s affiliated companies, a NAKA Partner, or other third parties (e.g., AML/CTF checks are provided by the NAKA Partners).

3. SUPPORTED CRYPTO-ASSETS AND BLOCKCHAINS

IMPORTANT: Since all the services provided through NAKA Pay App are associated with the Crypto-Assets, it is important to get acquainted with the Crypto-Assets supported within NAKA Pay App, including the Blockchains on which the Crypto-Assets are issued. The list of currently supported Crypto-Assets and Blockchains is available here. We recommend that you review these General Terms and/or the list of the supported Crypto-Assets and the Blockchains before each use of NAKA Pay App in order to ensure you are acquainted with the current set up.

We reserve the right to occasionally change the list of the supported Crypto-Assets and/or Blockchains based on our business needs. In case of changes that require a migration of the Crypto-Assets from one Blockchain to another, we will inform you of such requirements and the associated consequences. 

4. LIMITATIONS, RESTRICTIONS AND PROHIBITED USES

NAKA Pay App is a purely self-custodial solution, meaning that we do not - under any circumstances - have any custody, possession, or control over your Crypto-Assets or Private Keys. NAKA Pay App is a software tool used solely for deploying the Smart Contracts, linking the Cardholder’s Card with the deployed Smart Contract, managing the Card, and creating and sharing the Digital ID.

You are solely responsible for keeping NAKA Pay App secure and should never share the Private Key or the Seed Phrase with anyone. We are not liable for any acts or omissions made by you that compromise or could compromise NAKA Pay App.

4.1 Prohibited Persons

By accessing and using NAKA Pay App you represent and warrant that you are not a prohibited person and are not acting for or on behalf of any prohibited person. Deemed as prohibited persons are persons:

(a) Based in - or being a citizen of North Korea, Iran, Syria, Afghanistan, Algeria, Angola, Burkina Faso, Chad, Congo (Kinshasa and Brazzaville), Comoros, Equatorial Guinea, Eswatini, Gabon, Gibraltar, Djibouti, Guinea-Bissau, Haiti, Yemen, South Sudan, Cambodia, Cameroon, Kenya, Liberia, Mali, Myanmar, Mozambique, Niger, Nigeria, Nicaragua, Papua New Guinea, Russia, Solomon Islands, Senegal, Tanzania, Trinidad and Tobago, Turkmenistan, Uganda, Vanuatu, Vietnam, Venezuela, Panama, Madagascar, Laos, China, South Africa, Jamaica, and Barbados;

(b) (solely with respect to the Cardholders of NAKA+ Cards) Based in - or being a citizen of Belarus, Cuba, India, Iraq, Israel, Nepal, Turkey and Ukraine;

(c) Listed in any Sanctions List;

(d) Person acting in the name of, or on behalf of, a natural person or a group of persons (through a legal entity or any other form of association), where any such person is included on any Sanctions List or is based in - or being a citizen in a jurisdiction from the point (a) of this subsection;

(e) A government official of a jurisdiction with a high risk for money laundering and terrorism financing or a jurisdiction from the point a) of this subsection;

(f) Prohibited by a decision of a public authority to participate in or conduct services performed by us.

4.2 Prohibited Uses

You agree that you will not violate any laws, contracts, or intellectual property, and are solely responsible for your own actions when using NAKA Pay App. You explicitly agree that you will not:

(a) Claim any of NAKA Pay App’s name or content for the purpose of reselling it, confusing others, and deriving others’ goodwill; 

(b) Use such software, protocol, code, script, or similar, that could damage, disable, overburden, or impair the functioning of NAKA Pay App in any manner, extract data, or otherwise interfere with or modify the rendering of NAKA Pay App or its functionality;

(c) Use NAKA Pay App for commercial purposes inconsistent with these General Terms;

(d) Reverse engineer, duplicate, decompile, disassemble, or decode any aspect of NAKA Pay App, or do anything that might discover source code or bypass or circumvent measures employed to prevent or limit access to any service, area, or code of NAKA Pay App,

(e) Sell or resell any of the services available in NAKA Pay App;

(f) Use NAKA Pay App directly or indirectly, for or in connection with money laundering, terrorist financing, or other illicit financial or criminal activity, or in any way in connection with the violation of any law or regulation that applies to you or us;

(g) Use NAKA Pay App with the proceeds of unlawful activity;

(h) Infringe or violate our intellectual property rights or any other of our rights;

(i) Use NAKA Pay App directly or indirectly, for, on behalf of, for the benefit of, or in connection with prohibited persons, defined above;

(j) Use NAKA Pay in any manner that could interfere with, disrupt, negatively affect, or inhibit other Payers from fully enjoying NAKA Pay App;

(k) Use NAKA Pay App to purchase controlled substances without a pharmaceutical license;

(l) Use NAKA Pay App for unlawful: (i) purchase of guns, accessories, ammunition, and other weapons, (ii) purchase of illegal material, including but not limited to child pornography, (iii) gambling, betting, lotteries, sweepstakes, or games of chance, (iv) prostitution or escort services, (v) sale of counterfeit or "gray market" goods or services, (vi) political contributions, pawn shops, unlicensed auction sites, or (vii) ponzi or pyramid schemes, or other unfair or deceptive activities;

(m) Use NAKA Pay for: (i) purchase of music, movies, software, or any other licensed materials without appropriate authorization, (ii) purchase of counterfeit goods, illegally imported or exported products, (iii) unauthorized purchase of brand name or designer products or services, and (iv) purchase of any other products or services that directly infringe or facilitate infringement upon the trademark, patent, copyright, trade secrets, proprietary or privacy rights of any third party;

(n) Use NAKA Pay App for intentionally promoting, supporting, or perpetrating violence or physical harm or hate toward any group or individual based on race, religion, disability, gender, sexual orientation, gender identity, national origin, immigration status, or any other legally protected characteristic under any law or regulation that applies to you or us;

(o) Use NAKA Pay App: (i) with false, manipulated, inaccurate, or misleading information regarding the Payers’ identity, business entity, the nature of business, and any other information requested by us, (ii) to facilitate transactions on behalf of another undisclosed person or entity or for products/services that were not disclosed during your verification procedure.

4.3 Indemnification

By agreeing to these General Terms you agree to the fullest extent permitted by applicable law, to indemnify, defend, and hold us harmless, including all our respective past, present, and future NAKA Personnel, including Affiliates, Agents, and any employees, officers, directors, contractors, consultants, shareholders, service providers, subsidiaries, representatives, predecessors and successors, from and against all actual or alleged claims, damages, awards, judgments, losses, liabilities, obligations, taxes, penalties, interests, fees, expenses (including, without limitation, attorneys’ fees and expenses), and costs (including, without limitation, court costs, costs of settlement, and costs of pursuing indemnification and insurance), of every kind and nature whatsoever, whether known or unknown, foreseen or unforeseen, matured or unmatured, or suspected or unsuspected, that are caused by, arise out of or are related to your (i) use or misuse of the NAKA Pay App, (ii) violation or breach of any of these General Terms or applicable law, and (iii) violation of the rights of or obligations to a third party, including another user or third party, and (iv) negligence or willful misconduct. You agree to promptly inform us of any claims and cooperate with us in defending them.

4.4 Availability of NAKA Card

Access to and use of NAKA Pay App is in general possible 24/7. Nevertheless, the use of NAKA Pay App may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance, repair, preventing potential violations of these General Terms, or other actions that we, in our sole discretion, may elect to take.

5. RISKS AND LIMITATION OF LIABILITY

We are not an owner, custodian, or in control of the Blockchain networks used to provide the services in NAKA Pay App. We are not responsible for and make no guarantees regarding the Blockchain networks environment operation and functionality. We also do not control the Smart Contracts that may be integral to your ability to complete transactions with the Cards or the Digital Wallets. Since transactions conducted within NAKA Payment Network are directly linked to the Blockchain, they are irreversible, and we have no ability to reverse them on the Blockchain.

NAKA Pay App is only a digital infrastructure for deploying Smart Contracts, linking the Cardholder’s Card with the deployed Smart Contract, managing the Card, and creating and sharing the Digital ID. Consequently, we are not an owner, custodian, or in control of the Smart Contract, which you generate via NAKA Pay App, nor do we own, have custody over or control the Crypto-Assets on such Smart Contract. The Smart Contract is solely owned by you. You are also the only one who possesses the Private Key used to interact with the Smart Contract.

We do not take any action, nor do we participate in any way in the payment process conducted with your Card or the Digital Wallet:

(a) With respect to the payments with NAKA Cards: we only supply an interface which you may use to manage your own NAKA Card and the Smart Contract connected with it. Since the Smart Contract is activated and controlled solely based on the action which you take with NAKA Card and/or your device (i.e., when you tap NAKA Card to the Terminal) or via NAKA Pay App (e.g., for top-up, withdrawal and setting up limits), we cannot limit or block any of your actions in relation to the Smart Contract.

(b) With respect to Crypto QR Payments, we only supply the technology solution capable of generating QR codes required to implement the transaction (i.e., Crypto QR Payment). The Digital Wallet is activated and operated solely by you, while it is provided by a third-party service provider. As such, we have no control over, and cannot restrict or block, any actions taken by you in connection with the Smart Contracts used to execute the payment.

You understand that by providing NAKA Pay App, we are not: (i) operating a trading platform of the Crypto-Assets, (ii) exchanging the Crypto-Assets for the Fiat or other Crypto-Assets, nor (iii) are we placing and issuing the Crypto-Assets. Since transactions with the Smart Contract connected to the Cards and the Digital Wallets are performed by you exclusively, we are also not an owner nor custodian of the Smart Contract, the Cards, or your Digital Wallet(s). We also do not: (i) execute any order on your behalf, (ii) provide custody, administration or transfer services of your Crypto-Assets, or (iii) provide advice on your Crypto-Assets and portfolio management of your Crypto-Assets.

You are accessing and using NAKA Pay App at your own risk. NAKA Pay App is provided on an “as is” and “as available” basis and we make no warranty or representation and disclaim all responsibility for whether NAKA Pay App will meet your requirements.

Prices of the Crypto-Assets are subject to volatility and fluctuations. You acknowledge that you fully understand this and that you may lose money.

The Blockchain technologies and the Crypto-Assets are subject to continuous regulatory changes and scrutiny around the world, including but not limited to the AML/CTF Legislation. You acknowledge that NAKA Pay App, including its availability, could be impacted by one or more regulatory requirements.

There are risks associated with using the internet and the Blockchain based products, including, but not limited to, the risk associated with the hardware, software, and internet connections, the risk of malicious software introduction, and the risk that third-parties may obtain unauthorized access to your NAKA Pay App. You accept and acknowledge that we will not be responsible for any communication failures, disruptions, errors, distortions or delays you might experience when using NAKA Pay App or any Blockchain.

We are not responsible or liable for any loss of your Crypto-Assets and take no responsibility for losses, damages, or claims arising from: (i) your error, incorrectly constructed transactions, or mistyped addresses, (ii) server failures or data loss, (iii) unauthorized access or use, (iv) any unauthorized third-party activities, including without limitation the use of viruses, phishing, brute forcing or other cyber-attacks, (v) any issues with the Blockchain.

No advice or information, whether oral or obtained from us in any manner, will create any warranty or representation not expressly made herein. We accept the inherent security risks of providing information and dealing online over the internet and you will not hold us responsible for any breach of security.

6. INTELLECTUAL PROPERTY RIGHTS

NAKA Pay App, including its “look and feel” (e.g., text, graphics, images, logos, page headers, button icons, URLs, and scripts), proprietary content, information, and other materials, and all content and other materials contained therein, including, without limitation, logos and all designs, texts, graphics, pictures, data, software, other files, and the selection and arrangement thereof are our property.

You agree not to take any action(s) inconsistent with such ownership interests. We reserve all rights in connection with NAKA Pay App and its content, including, without limitation, the exclusive right to create derivative works.

NAKA Pay App’s name, logo, trademarks, and any of our products’ or services’ names, designs, logos, and slogans are and remain our intellectual property (or we have obtained a license from its rightful owner to use such intellectual property). As such, the intellectual property may not be copied, imitated, or used, in whole or in part, without our prior written permission in each instance. In addition, the “look and feel” of NAKA Pay App constitutes our service mark, trademark, or trade dress and may not be copied, imitated, or used, in whole or in part, without our prior written permission.

7. APPLICABLE FEES

The use of NAKA Pay App is free of charge. You are only obliged to pay the Gas for topping-up the Crypto-Asset(s) to the Smart Contract.

The amount of the Gas is not in any way determined by us, nor is it paid to us. The Gas payment is final and irreversible regardless of whether a successful transaction on the Blockchain occurs.

Transactions or operations in the Crypto-Assets may be considered tax events according to the legislation applicable to you and as such subject to taxation. These rules may be unclear or subject to change, and you are therefore encouraged to consult your tax or accounting adviser before engaging in the Crypto-Assets activities.

We do not provide any financial or tax advice related to the use of NAKA Pay App.

8. MISCELLANEOUS

These General Terms govern the access and use of NAKA Pay App in its entirety.

The processing of Personal Data and the use of cookies are governed by NAKA’s separate Personal Data Protection Notice NAKA Service.

You acknowledge that breaching any of the provisions of these General Terms may result in irreparable harm to us, in which case we reserve the right to seek monetary compensation.

NAKA Pay App is operated by NAKA SLV, incorporated under the laws of El Salvador. Those Payers who choose to access NAKA Pay App from locations outside El Salvador do so at their own initiative and are responsible for compliance with applicable local laws.

If any of the provisions of these General Terms proves void or invalid in any other way, this does not affect the validity and enforceability of the other provisions if they can also exist without the void or invalid provision. In this case, such void or invalid provision is considered separable from the other provisions, which are modified accordingly in the case of separation.

These General Terms are governed under the laws of El Salvador (to the highest extent allowed under the mandatory conflict of laws rules). In the case of any disputes arising out of or in connection with NAKA Pay App (including disputes in connection with the existence, validity or termination of these General Terms or any other obligation derived from or in connection with NAKA Pay App), the competent court will be determined in line with the applicable law.

For any questions or comments in connection with these General Terms, we are available at support@naka.com.

NAKA Team