Please read the terms and conditions of this User Agreement carefully. This Agreement constitutes a legally binding and enforceable agreement between you and CashBorro.com, a limited Company duly incorporated and existing under the laws of South Korea and having its registered office at 2021, Gyeongsangbuk-do, Gyeongju-si, Republic of Korea. This Agreement governs the terms and conditions subject to which you may use the CashBorro Services provided by CashBorro TM.

By clicking on "I agree," you accept the terms and conditions as contained in this User Agreement together with the other terms and conditions subject to which you use the CashBorro Shopping, Website, and API, including but not limited to the Privacy Policy.

The terms and conditions contained herein may be amended from time to time with or without notice to you. Whenever this User Agreement is amended, the revised version of the User Agreement will be posted on our Application, and when you click on the "Terms & Conditions" link, you will be directed to such a revised version of the User Agreement. You should therefore read this User Agreement periodically so as to keep yourself updated with the terms and conditions applicable to the CashBorro services in force at any given time. Your acceptance of the terms and conditions includes acceptance of any amendments to such terms and conditions done from time to time. In the event, we incorporate a substantial change in the User Agreement,

Notice of same shall be posted on Website at least 30 days or reasonable time prior to the change taking effect.

1. THE SERVICES, ELIGIBILITY, INFORMATION, FEES, AND SECURITY

1.1 The CashBorro Services

CashBorro is an online Shopping service operating on a web and mobile application platform that allows you, the User to, inter alia, make payments to merchants and institutions registered with CashBorro. It is your responsibility to ensure that you comply with all laws, regulations, and rules applicable to you that govern or regulate the transactions entered into by you through CashBorro. We do not have any control over, and are not responsible or liable for, the products or services that are paid for through CashBorro Services. While we will ensure that any payment you make using the CashBorro services will, subject to the terms and conditions applicable, go through and/or be duly remitted to the relevant Payee, we cannot ensure that such Payee will perform any obligation or do any act related or pursuant to such payment. For example, where you use CashBorro Services to pay for a utility that has been disconnected, we will ensure that the payment is remitted to the service provider, but we cannot ensure that the service provider will reconnect the relevant utility service.

1.2 Eligibility. To be eligible to use CashBorro Services, you must be at least 18 years old.

1.3 Information. In order to open and maintain an Account, you must provide us with correct and up-to-date Information. You will be required to provide this Information at the time you register with us as deemed necessary and can change from time to time.

1.4 When you first register for a CashBorro account, and when you use the CashBorro Services, we collect some Personal Information about you such as:

The geographic area where you use your CashBorro Account

Your full name, username, and email address and other contact details

A unique user ID (an alphanumeric string) which is assigned to you upon registration

Other optional Information as part of your account profile

Your IP Address and, when applicable, timestamp related to your consent and confirmation of consent

Other Information submitted by you or your organizational representatives via various methods

1.5 Security

While we have taken all precautions to ensure that our Application, and any payment made through our Application, is secure and that your Information is protected, you acknowledge and agree that you are also responsible for ensuring the security of your Account.

You agree that you will take all measures to keep your password secure and secret at all times and that you will take all steps to prevent the unauthorized use of your User ID and your CashBorro account. Protecting your password is your responsibility.

Once you have logged on to the CashBorro Website you must not leave the terminal or other device from which you have accessed the Application at any time or let anyone else use it until you have logged off from the Application. It is your responsibility to ensure that you have logged off the Site at the end of a session.

You MUST inform us immediately of any unauthorized access to your Account Profile or any unauthorized transaction or instruction which you know of or if you suspect that someone else knows your Password/Pattern/Mobile authentication and/or has access to your Account. Such notification should be provided via email to info@cashborro.com or cashborro@gmail.com contacting the helpdesk You will be required in such circumstances to change your Password/Pattern/Mobile authentication immediately to a different value that has not been used before. We may disclose Information about you and your Account to law enforcement or other authorities if it is necessary for the due administration of justice or if we think that it will help prevent and/or recover losses or in order to facilitate the investigation of any activity which will amount to an offence under the laws of South Korea.

Any error or discrepancy in your recharge records, history or other Information as available or displayed on the Application must be brought to our notice immediately.

1.6 Refused and Refunded Payments.

You acknowledge that we may not be able to provide you with a reason for the relevant payment to be not accepted or unclaimed or refunded. However, by referring to the transaction ID or reference number that will be recorded and available on your Account, you will be able to follow up on the reason for the relevant payment to be not accepted or unclaimed or refunded.

2. USE OF APPLICATION

You may only use this Application to browse the content and make legitimate payments for products and services and shall not use this Application for any other purposes, including without limitation, to make any speculative, false or fraudulent payments. This Application and the content provided in this Application may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed. Unauthorized use of this Application and/or the materials contained on this Application may violate applicable copyright, trademark or other intellectual property laws or other laws.

3. YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS

You will be liable for any losses (including the amount of any transaction carried out without your authority) if you have acted with negligence so as to facilitate that unauthorized transaction or if you have acted fraudulently. For the purpose of this clause gross negligence shall include failure on your part to observe the security duties referred to in clause 1.5 above and any instructions contained in the User Guide, which will be updated from time to time.

If you have notified us in terms of Clause 1.5(d) above of any unauthorized access to your Account or unauthorized instructions or that you suspect that someone else knows your security number, you will not be responsible for any unauthorized instructions carried out after we have had reasonable time to suspend and acknowledge the suspension of the service in respect of your Account, unless we can show that you have acted fraudulently.

For the avoidance of doubt, we will not be liable or responsible for any allegedly unauthorized transaction carried out from or through your Account prior to receipt by us of notification in terms of Clause 1.5(d) above unless the same has taken place due to a fault or error attributable to us and/or the Application and/or the CashBorro Services or due to our negligence.

4. OUR RIGHTS AND LIABILITIES

We reserve the right to modify or withdraw, temporarily or permanently, the Application (or any part thereof) with or without notice to you, and you agree and acknowledge that we shall not be liable to you or any third party for any modification to or withdrawal of the Application.

We do not warrant an error-free or uninterrupted performance of the Application and/or the CashBorro Services and/or any part or feature of the Application or the CashBorro Services.

We will use all reasonable endeavors to maintain the Application and keep it operational so as to provide you with uninterrupted service. However, there may be situations that render the Application and/or any part or feature thereof temporarily not operational due to reasons beyond our control and/or where we may be compelled to take the Application and/or any part or feature thereof offline and/or interrupt the CashBorro Services or any part or feature thereof for, inter alia, maintenance, rectification or updating. In such an event, we will use our best endeavors to keep you informed and updated on the operational status of the Application and the CashBorro Services so as to minimize any inconvenience to you. However, notwithstanding anything to the contrary contained elsewhere in this Agreement, CashBorro shall not be liable to you and/or any third party for any damages, including lost profits, lost savings, or other incidental, consequential, or special damages arising from or attributable or incidental to the Application and/or the CashBorro Services and/or any part or feature of the Application or the CashBorro Services being offline and/or not operational and/or taken down and/or suspended and/or inaccessible and/or interrupted and/or due to any error in the Application or the CashBorro Services due to any reason whatsoever even if we had been advised of the possibility of such damages.

5. GENERAL TERMS

Limitation of liability. IN NO EVENT SHALL WE, OUR PARENT, SUBSIDIARIES AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES, OR SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF DATA OR LOSS OF BUSINESS) ARISING OUT OF OR IN CONNECTION WITH THE APPLICATION, THE PAYMASTER SERVICES, OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE) AND ALL SUCH LIABILITY TO YOU OR TOO ANY THIRD PARTY WHATSOEVER IS EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW.

Services Limitation. CashBorro is not a bank, and the CashBorro Services are payment processing services rather than banking services. CashBorro is not acting as a trustee, fiduciary, or escrow with respect to your funds. CashBorro does not have control of, nor liability for, the products or services that are paid for with or through the CashBorro Services. We do not guarantee and cannot ensure that a Payee will complete a transaction or do any act.

No Warranty. THE CashBorro SERVICES ARE PROVIDED "AS IS" AND WITHOUT ANY REPRESENTATION OF WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. CashBorro, OUR PARENT AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES AND OUR SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. CashBorro will make reasonable efforts to ensure that payment instructions are processed in a timely manner, but CashBorro makes no representations or warranties regarding the amount of time needed to complete processing because the CashBorro Services are dependent upon many factors outside of our control, such as delays in the Payment Providers system or mail service.

6. DISPUTE RESOLUTION

Any dispute arising out of or in connection with this Agreement, including any question regarding its existence, validity, or termination, shall, if the Parties are unable to resolve such dispute through direct negotiations, be referred for final resolution by Arbitration in accordance with the Arbitration.

7. GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of South Korea.

8. Cookies Policy

We use cookies to enhance your experience.

9. DEFINITIONS

"Account" or " CashBorro Account" means a Personal CashBorro Account.

"Application" means the CashBorro web or mobile platform-based application through which you can access and utilize the CashBorro Services.

"Fees" means those amounts stated in Exhibit A (Fees) of this Agreement.

"Information" means any Account information that you provide to us, including but not limited to personal Information, Financial Information, or other Information related to you or your business.

" CashBorro Services" means all our products and services and any other features, technologies, and/or functionalities offered by us on our Application or through any other means.

" CashBorro," "we," "us," or "our" means CashBorro.

"Website" means the www. cashborro.com website.