This is 'GPS Paybiz, Inc.’s terms and conditions for the use of this website including its related site, either by third-party applications software or hardware (the “Site”). I will be required to confirm my agreement to these terms by clicking “Accept”. Otherwise, I will not be permitted to proceed to my registration, in which case, click “Do not Agree”.

I am the user of this Site, as I am either a client-user (client/customer for short) or a business-entity user (Business for brevity), hereinafter collectively referred to as “User”. By registering in this 'GPS Paybiz, Inc. Site, I hereby agree that I will abide the terms and conditions of the use of this Site. I expressly acknowledge that I voluntarily registered in this Site, without force or compulsion from anyone, and it is not a result of a spam message and/or other similar advertising. I read and understood the contents of this terms and conditions of the use of this Site. I understand that this is subject to amendment by the owners thereof without notice to me and I undertake to be aware of any amendment or modification hereto. I expressly agree to respect the copyright, trademark, service mark or other intellectual property of the owner of this Site including all other proprietary rights as to the content, organization, design, process, compilation and the likes, and shall not use, copy, re-produce or publish without the written consent of the owner. I am given access to the 'GPS Paybiz, Inc. Site for internal, personal and non- commercial purpose and I shall use the same not for any other purpose. I acknowledge that the information on the 'GPS Paybiz, Inc. Main Page Site is provided "as is" for general information only. I therefore acknowledge that the Site, its owners, partners, employees, officers, directors, attorneys, and agents do not promise or guarantee that the content is correct, complete, or up-to-date. There is no guarantee that the content is correct, complete, or up-to-date for any specific circumstance or myself.

If I am a Business account, I hereby certify that I am duly authorized to do business and the officers, employees, representative, and agents accessing or using the Site are duly authorized to enrol the account, access and use the Services and to legally bind the business entity to these Terms and all transactions conducted under my username and password.

I agree that I will hold harmless the owner, employees, contributors and volunteers from all claims or damages whether actual or indirect, incidental, consequential, special, or exemplary damages or lost profits, arising out of or related to my access or use of, or my inability to access or use, this Site or the information contained in this Site or other websites to which it is linked. This includes, but is not limited to, information or materials viewed or downloaded from this Site or another website to which it is linked that appear to me or are construed by me to be obscene, offensive, defamatory, or that infringe upon my intellectual property rights.

I further agree that I shall not post or transmit any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without the owner’s express prior approval, contains advertising or any solicitation with respect to products or services.

I understand that 'GPS Paybiz, Inc. provides internet facility and webspace for Business and client to process their financial transactions, among others (“Services”). Business listed in this Site have voluntarily and independently registered in 'GPS Paybiz, Inc. 'GPS Paybiz, Inc. does not provide their products and services itself but merely a facility for the Business and client to meet online and consummate their financial transaction therein.

'GPS Paybiz, Inc.'s Site and the Business’ services are NOT ALWAYS AVAILABLE for emergency or urgent situations as the Business’ availability are not assured by 'GPS Paybiz.

My interaction with the Business is not intended to replace my relationship with them, if any. 'GPS Paybiz, Inc. is not an insurance product nor an affiliate or subsidiary of said Business. 'GPS Paybiz, Inc. listed Business reserve the right to deny transaction on account of potential misuse of these Services. These Terms of Use apply to my use of the Site and, to the extent referenced, to my registration for, subscription to, and use of the Services.

In order to access the Site and Services, I represent and warrant that I am are at least eighteen years of age and possess the legal right and ability, on behalf of myself and to the entity I represent to agree to these Terms of Use, register for the 'GPS Paybiz, Inc. Services under my own name and to use the 'GPS Paybiz, Inc. Services in accordance with this Terms of Use and abide by the obligations hereunder. I agree to fully, accurately and truthfully create my 'GPS Paybiz, Inc. Account, including, but not limited to, my name, mailing address, phone number, email and password, which become my 'GPS Paybiz, Inc. ID and credentials. I shall promptly inform 'GPS Paybiz, Inc. of any loss of my account or access to my account or unlawful or unauthorized use of my account. My 'GPS Paybiz, Inc. and/or credentials are personal to me and I am solely responsible for maintaining the confidentiality of my 'GPS Paybiz, Inc. ID and credentials, and for all activities that occur under such 'GPS Paybiz, Inc. ID and credentials. I agree to prohibit anyone else from using my 'GPS Paybiz, Inc. ID and credentials and I agree to immediately notify 'GPS Paybiz, Inc. of any actual or suspected unauthorized use of my 'GPS Paybiz, Inc. ID or credentials or other security concerns of which I become aware.

In order to determine my compliance with these Terms of Use we reserve the right, but not the obligation, to monitor my access to and the use of the site and the Services. 'GPS Paybiz, Inc. may, in its sole discretion, refuse to provide care for actual or potential misuse of these Services, or for noncompliance with these Terms of Use. 'GPS Paybiz, Inc. likewise shall have the right to verify my identity, with or without cause, for my own security.

My account is strictly confidential. I shall be prohibited to lend or allow the use of my account to another person, even with or without my consent. 'GPS Paybiz, Inc. reserves the right to suspend my account in case of violation.

'GPS Paybiz, Inc. may contact me by telephone, mail or email to verify my 'GPS Paybiz, Inc. Account information. 'GPS Paybiz, Inc. may request further information from me and I agree to provide such further information to ensure that I have not fraudulently created my Account. If I do not provide this information in the manner requested within 14 days of the request, 'GPS Paybiz, Inc. reserves the right to suspend, discontinue or deny my access to and use of the Site and Services, until the information is provided by User to 'GPS Paybiz as requested

Please print and keep a copy of these Terms of Use. 'GPS Paybiz, Inc. reserves the right to modify the Terms of Use periodically, for any reason, and without notice. The most current version of these Terms of Use can be accessed at any time by selecting the Terms of Use link on the bottom of the Site. Please review the Terms of Use often so I will be apprised of any changes made. Any such revision or change will be binding and effective immediately on posting of the revised Agreement or change to the service(s) on our web site. Unless we expressly note otherwise, these terms incorporate and supersede any other terms associated with the Services.

'GPS Paybiz, Inc. has the right to limit, suspend, discontinue or deny my access to and use of the Services at any time, and without notice, to anyone who violates these Terms of Use as 'GPS Paybiz, Inc. considers appropriate or necessary in its sole discretion, including but not limited to (1) security reasons (2) alleged or suspected breach of these Terms of Use, or (3) the protection of intellectual property (4) use for fraud (5) violation of anti- money laundering laws (6) cybercrimes under existing laws.

As part of the signing up process, I are required to provide us certain personal information. Additionally, it is my responsibility to update 'GPS Paybiz, Inc. as promptly as possible with changes to my personal information so that all records are current, complete and accurate. At any given time, I may be notified that information may be available for my review that is considered time-sensitive, due to the e-mail address and ceelphone number that I provided as a contact point. Please keep this in mind when determining which e-mail address I offer as a contact point. I am obliged to provide us the following information:

Changes in e-mail address

Change of address

Change of phone number

Change of ownership of account

Change of credit card number

Change of banking information

Change of credit card expiration date

I will also be required to provide the information and documents needed to verify my identity. I agree to make it as specific, complete and correct such information and any mistake by the Site and/or Business by reason of error in such information shall be my responsibility. My 'GPS Paybiz, Inc. account is created for me to enter, store and access my personal information online, including my transactions. Any information provided becomes part of my 'GPS Paybiz, Inc. Record. I agree to provide accurate, current and complete information about myself for my 'GPS Paybiz, Inc. Record, to periodically review and to update such information as needed to keep it accurate, current and complete. For additional information regarding use of my 'GPS Paybiz, Inc. Record, please see our Privacy Policy. It is my responsibility to confirm any third party information, or information. 'GPS Paybiz, Inc. is not responsible for maintaining data arising from use of the 'GPS Paybiz, Inc. Services. 'GPS Paybiz, Inc. reserves the right to maintain, delete or destroy all communications and materials posted or uploaded to the 'GPS Paybiz, Inc. Service pursuant to its internal record retention and/or destruction policies. Please note that it is solely my obligation to use and disclose the information included in my 'GPS Paybiz, Inc. account in accordance with applicable laws, including, without limitation, obtaining any consents or authorizations that may be required for my information to be shared with other Business I selected. However, by requesting transaction through 'GPS Paybiz, Inc.’s Site, I agree to disclose the appropriate contents of my complete 'GPS Paybiz, Inc. record to the Business I selected and/or who will have transaction.

By subscribing to 'GPS Paybiz, Inc.’s services I am agreeing to opt-in to the receipt of newsletters and other information regarding common legal related topics or messages containing specific related information, links to other related Web sites and specific questions related to my 'GPS Paybiz, Inc. Record. These communications and resources are for general educational and informational purposes only, and should not be relied upon as a substitute or construed, directly or indirectly, as the business of 'GPS Paybiz, Inc.. Such information is not a substitute for seeing the Business itself. The information contained these communications and resources are compiled from a variety of sources and may or may not be considered authored by 'GPS Paybiz, Inc.. 'GPS Paybiz, Inc. makes no warranty as to the content of these materials or the information contained therein, or represents or warrants that any particular legal action is safe, appropriate or effective for me. If I do not wish to receive such communications, I may opt-out at any time by contacting Customer Services.

I agree that I will not use the Services to other person or for any service that must be provided to me by another Business as a follow up to an off-line transaction. I will not use the Site or Services in any unlawful way and/or for any unlawful purpose. I will not post or transmit a message under a false name, or use the network resources of 'GPS Paybiz to impersonate another person or misrepresent authorization to act on behalf of others or 'GPS Paybiz, Inc.. All messages transmitted via 'GPS Paybiz, Inc. should correctly identify the sender. I may not alter the attribution of origin in electronic mail messages or posting. I will not allow another person or entity to use their account, username or password to access or use the Services, or post or view comments. I will not attempt to undermine the security or integrity of computing systems or networks of 'GPS Paybiz, Inc. its Partners, or those accessed through or with their product, and must not attempt to gain unauthorized access. I may not harvest or collect data about any other individual who uses the Service. I may not post or transmit any data, materials, content or information which is threatening, false, misleading, abusive, libelous, pornographic or profane, or that contains or promotes any virus, worm, Trojan horse, time bomb or other computer programming or code that is designed or intended to damage, destroy, intercept, download, interfere, manipulate, or otherwise interrupt or expropriate the Site or the Services. I may not tamper, hack, spoof, copy, modify, or otherwise corrupt the administration, security or proper function of the Site or the Services. I will not use robots or scripts with the Site. I will not attempt to reverse engineer, reverse assemble, reverse compile, decompile, disassemble, translate or otherwise alter, defraud or create false results from any executable code, or information on or received by this Site. I agree to have anti-virus and/or anti-spyware software running that is set to override the Internet browser’s cookie setting.

I further agree that any information I provide or use on the Site, and my use of the Site or Services will not infringe or facilitate infringement on any copyright, patent, trademark, trade secret, or other proprietary,

'GPS Paybiz, Inc. maintains the right to delete any information provided by me that it deems in its sole discretion fraudulent, abusive, defamatory, and obscene or in violation of a copyright, trademark or other intellectual property or ownership right of any other person.

All customer-specific information provided by me in connection with Services shall be governed by the 'GPS Paybiz, Inc. Privacy Policy. As part of these terms and conditions, I acknowledge that I understand, have read and accept all terms and conditions contained within the 'GPS Paybiz, Inc. Privacy Policy. 'GPS Paybiz, Inc. reserves the right to terminate any account that does not include a valid email address and/or cellphone number and/or documentary requirements on file. This must be stored in the profile for my account on the 'GPS Paybiz, Inc. system.

'GPS Paybiz, Inc. reserves complete and sole discretion with respect to the operation of the 'GPS Paybiz, Inc. Services. 'GPS Paybiz, Inc. may, among other things withdraw, suspend or discontinue any functionality or feature of the 'GPS Paybiz, Inc. Services. 'GPS Paybiz, Inc. is not responsible for transmission errors or corruption or compromise of information carried over local or interchange telecommunications carriers. 'GPS Paybiz, Inc. is not responsible for maintaining information arising from use of the Site or in respect of the Services. 'GPS Paybiz, Inc. reserves the right to maintain, delete or destroy all communications and information posted or uploaded to the Services in accordance with its internal record retention and/or destruction policies.

Only for the duration of being logged into my valid 'GPS Paybiz, Inc. account, I are hereby granted a non- exclusive, non-transferable temporary license, subject to the terms and qualifications of these Terms of Use to use the Services solely for personal, noncommercial use. The User is not granted a license or any other right to store any of the Services (including any portion of the software or documentation) on any computer or other device, or copy or otherwise use such information to create derivative works.

With the exception of my Electronic Records, 'GPS Paybiz, Inc. retains all right, title and interest in and to 'GPS Paybiz, Inc., the Services and any Information, products, documentation, software or other materials on the Site, and any patent, copyright, trade secret, trademark, service mark or other intellectual property or proprietary right in any of the foregoing, except for Information on the Site licensed by 'GPS Paybiz, Inc., and in that case, the Business retains all right, title and interest therein. The information available through the Site and the Services is the property of 'GPS Paybiz, Inc., or if licensed by 'GPS Paybiz, the Business.

I agree that I will not store, copy, modify, rent, lease, loan, sell, distribute, transfer, transmit, display, reverse engineer, reverse assemble, or otherwise attempt to discover any programming code or any source code used in or with the Services. I may not sell, assign, sublicense, grant a security interest in or otherwise attempt to transfer any right in the Services (which includes its software and documentation), create derivative works based on or in any manner commercially exploit the Services, in whole or in part. I agree that violations by me, any other person or entity, of these copyrights, trade secrets, patents, other intellectual property protections, or the terms of this Agreement will be prosecuted to the fullest extent of the law. The final choice of whether a User is in violation of any of these policies is at the sole discretion of 'GPS Paybiz, Inc.. Nothing contained on the Site should be construed as granting, by implication, estoppels, waiver or otherwise, any license or right to use any trademarks, service marks or logos displayed on the Site without the written grant thereof by 'GPS Paybiz, Inc. or the third party owner of such trademarks, service marks and logos. The Site may contain other proprietary notices and copyright information, the terms of which I must and agree to follow.

The Services are designed for and intended for all User requiring payment transactions for certain businesses and utilities. 'GPS Paybiz, Inc. makes no representation that the information and services provided on the Site or through the Services are applicable to, appropriate for, or available for all kinds of transactions, as the Site only provides limited transactions as listed on the Site and nothing more.

'GPS Paybiz, Inc. makes no representation or warranty as to the content of any response from any Business accredited by it. Business are independent entities and not companies or employees of 'GPS Paybiz, Inc.. User are solely responsible for all information and/or communication sent during the transaction. 'GPS Paybiz, IInc. does not guarantee that the Site is the appropriate course of action for my particular transaction. Furthermore, 'GPS Paybiz, Inc. is not a substitute for face to face transaction with the Business. I agree to contact my Business immediately should I need them in emergency.

'GPS Paybiz, Inc. makes no warranties or representations as to the accuracy of the information provided on the Site, and assumes no responsibility for any consequences relating directly or indirectly to any action or inaction I take based upon the information and material on the Site. I assume the entire risk of loss in using the Site and information contained in the Site.

I ACKNOWLEDGE THAT MY USE OF THE 'GPS PAYBIZ INC. SERVICES IS AT MY SOLE RISK, AND THAT I ASSUME FULL RESPONSIBILITY FOR ALL RISK ASSOCIATED THEREWITH. ALL INFORMATION, PRODUCTS OR SERVICES CONTAINED ON OR PROVIDED THROUGH THIS SITE ARE PROVIDED "AS IS" AND “AS AVAILABLE” WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW 'GPS PAYBIZ INC. AND ITS SHAREHOLDERS, AFFILIATES, DIRECTORS, OFFICERS, MANAGERS, EMPLOYEES OR OTHER REPRESENTATIVES (COLLECTIVELY, "AFFILIATES") HEREBY DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND FREEDOM FROM COMPUTER VIRUS STRAINS. WITHOUT LIMITING THE FOREGOING, 'GPS Paybiz, Inc., Inc. AND ITS AFFILIATES MAKE NO WARRANTY AS TO THE RELIABILITY, ACCURACY, TIMELINESS, USEFULNESS, ADEQUACY, COMPLETENESS OR SUITABILITY OF THE 'GPS PAYBIZ PRODUCTS AND SERVICES PROVIDED HEREUNDER. 'GPS PAYBIZ INC. MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT: THE SATISFACTION OF GOVERNMENT REGULATIONS REQUIRING DISCLOSURE OF INFORMATION ON PRESCRIPTION DRUG PRODUCTS; OR ANY TREATMENT, ACTION OR APPLICATION OR PREPARATION OF MEDICATION BASED ON INFORMATION OFFERED OR PROVIDED THROUGH THE 'GPS PAYBIZ INC. SERVICES.

'GPS Paybiz, Inc. does not endorse the promotions, products, or services of any third parties. 'GPS Paybiz, Inc. does not warrant or validate the information of any third party advertisements, promotions, communications or other materials. 'GPS Paybiz, Inc. does not assume any responsibility or liability for the accuracy of information contained in this Site or any third party web sites.

'GPS Paybiz, Inc. makes no warranty that the Services will meet my requirements, or that the Service(s) will be uninterrupted, timely, 100% secure, or error free, or that defects, if any, will be corrected. This includes loss of data resulting from delays, and any service interruption caused by 'GPS Paybiz, Inc. employees. 'GPS Paybiz, Inc. is not responsible for transmission errors or corruption or compromise of data carried over local or interchange telecommunication carriers.

'GPS Paybiz, Inc. will take all necessary precautions to protect against failure of our equipment and software. The User acknowledges and agrees that temporary interruptions in service may occur, and that 'GPS Paybiz, Inc. shall have no liability for any claim, cost, charge, loss or expense arising from or relating to use of the Services. The User acknowledges and agrees that data may be lost or corrupted in connection with use of the Services. 'GPS Paybiz, Inc. may perform regular back-ups of all data stored, but shall have no liability to User in the event all data is lost or destroyed. User acknowledges and agrees that in the event restoration of data from backup is necessary, it may take several days to complete such restoration of data and resume operation of the Services.

I agree to release, indemnify, defend and hold harmless 'GPS Paybiz, Inc., our contractors, agents, employees, officers, directors and affiliates (Affiliates) harmless from all liabilities, claims, rights, losses, causes of action, actions and suits (no matter whether in law or in equity), expenses, including attorney's fees, of third parties relating to or arising, directly or indirectly, out of or in connection with (i) my use or misuse of the Site or the Services or any information posted on the Site, (ii) my subscription, (iii) My breach of the Terms of Use or the Privacy Policy, (iv) my relationship with any Business, (v) the content or subject matter of or any information I provide to 'GPS Paybiz, Inc., any of its Affiliates, any Business or customer service agent, and/or (vi) any negligent or wrongful action or omission by I in the use or misuse of the Site or the Services or any information posted on the Site, including, but not limited to, infringement of third party intellectual property rights, privacy rights, or negligent or wrongful conduct. If and when 'GPS Paybiz, Inc. is threatened with suit by a third party, 'GPS Paybiz, Inc., Inc. may seek written assurances from me concerning my promise to indemnify it; my failure to provide those assurances may be considered by us to be a breach of my Terms of Use and may result in deactivation of my 'GPS Paybiz, Inc. account Service(s).

EXCEPT AS PROHIBITED BY LAW, AND WITHOUT LIMITATION:

'GPS PAYBIZ INC. SHALL NOT BE LIABLE FOR THE ACTS OR OMMISSIONS OF ANY OF THE INDEPENDENT BUSINESS.

I SHALL BE SOLELY AND FULLY RESPONSIBLE FOR ANY DAMAGE TO 'GPS PAYBIZ AND ITS SERVICES OR ANY COMPUTER SYSTEM, ANY LOSS OF DATA, OR ANY IMPROPER USE OR DISCLOSURE OF INFORMATION ON THE SERVICES CAUSED BY ME OR ANY PERSON USING MY USER NAME OR PASSWORD. 'GPS PAYBIZ DOES NOT ASSUME ANY LIABILITY ARISING FROM THE FAILURE OF ANY TELECOMMUNICATIONS INFRASTRUCTURE, OR THE INTERNET OR FOR MISUSE OF ANY OF THE ADVICE, IDEAS, INFORMATION, INSTRUCTIONS, OR GUIDELINES ACCESSED THROUGH THE SERVICES.

IN NO EVENT SHALL 'GPS PAYBIZ INC. NOR ANY OF ITS AFFILIATES BE LIABLE FOR ANY DIRECT DAMAGES IN EXCESS OF (i) THE AMOUNT OF PLATFORM/SERVICE FEE INVOLVED, OR (ii) IN THE EVENT NO SERVICE FEE WAS PAID OR REQUIRED, THE LIQUIDATED SUM OF PHP 1,000.00. IN ADDITION, TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL 'GPS PAYBIZ INC. NOR ANY OF ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, PUNITIVE, INDIRECT, INCIDENTIAL OR CONSEQUENTIAL DAMAGES, THAT RESULT FROM (i) PERSONAL INJURY, WRONGFUL DEATH, LOSS OF USE, LOSS OF PROFITS, INTERRUPTION OF SERVICE OR LOSS OF DATA, OR (ii) MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES, ERRORS, DEFECTS, DELAYS IN OPERATON OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT LIMITED TO ACTS OF GOD, COMMUNICATION FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO 'GPS PAYBIZ INC. RECORDS, PROGRAMS OR SERVICES, AND WHETHER IN ANY ACTION IN WARRANTY, CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO NEGLIGENCE OR FUNDAMENTAL BREACH), OR OTHERWISE ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF, OR THE INABILITY TO USE, THIS SITE OR ANY SERVICE OFFERED THROUGH THIS SITE OR ANY MATERIAL OR INFORMATION CONTAINED IN, ACCESSED THROUGH, OR PRODUCTS PURCHASED ON THIS WEB SITE, EVEN IF AN AUTHORIZED REPRESENTATIVE OF 'GPS PAYBIZ INC. IS ADVISED OF THE LIKELIHOOD OR POSSIBILITY OF THE SAME. TO THE EXTENT CERTAIN JURISDICTIONS RESTRICT ANY OF THE ABOVE LIMITATIONS OF LIABILITY; SUCH LIMITATIONS SHALL NOT APPLY IN SUCH JURISDICTIONS TO THE EXTENT OF SUCH RESTRICTIONS. I ACKNOWLEDGE AND AGREE THAT IKOMSULTA’S AGGREGATE LIABILITY TO ME FOR ANY DAMAGES, LOSSES, FEES, CHARGES, EXPENSES OR LIABILITIES, AND IN CIRCUMSTANCES WHERE THE FOREGOING LIMITATION IS FINALLY DETERMINED TO BE UNAVAILABLE SHALL NOT EXCEED THE SERVICE FEE PAID BY ME PRIOR TO THE FIRST OCCURRENCE OF THE SUBJECT DAMAGES, LOSSES, FEES, CHARGES, EXPENSES OR LIABILITIES.

I AGREE TO WAIVE, TO THE FULLEST EXTENT PERMITTED BY LAW, ALL LAWS THAT LIMIT THE EFFICACY OF SUCH INDEMNIFICATIONS OR RELEASES.

The Indemnification and Disclaimers provisions set forth above are for the benefit of 'GPS Paybiz, Inc., and its Affiliates. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against me on its own behalf.

'GPS Paybiz, Inc. may terminate Services at any time, without penalty and without notice, if I fail to comply with any of the terms of these Terms or Use, or the intellectual property protections applicable to these Services (Defined Above). 'GPS Paybiz, Inc., Inc. may also seek legal prosecution of any violations of law or these Terms of Use and I agree to personal jurisdiction by the municipal and/or regional trial courts in Mandaluyong City. Upon notice of termination of Services by 'GPS Paybiz, Inc., Inc. to me via contact e-mail to my 'GPS Paybiz account and contact e-mail account provided in User's personal information, or voluntary termination of service by User, 'GPS Paybiz, Inc. has the right to delete all data, files, or other information that is stored in the User's account for any reason. The Indemnification, Copyright, Jurisdiction, Warranty, Network Security, Compliance with Anti-Spamming Laws and Privacy terms and conditions stated herein shall survive termination of this Agreement.

I agree that I am solely responsible for all administrative fees, subscription fees and consultation fees for Services, pursuant to the schedule of subscriptions and fees set forth on the Site. If my Business has arranged with 'GPS Paybiz, Inc. to pay the fee or any portion of the fee, or if the fee is pursuant to some other arrangement with 'GPS Paybiz, Inc., that fee adjustment will be reflected in the fee that I am ultimately charged. Please check with my Business to determine if any Services are covered. 'GPS Paybiz, Inc. reserves the right to modify its' pricing structure at any time and implement the new price structure at any time prior to billing me for my initial payment or for future payments due pursuant to these Terms of Use. I understand that Services may not be provided or scheduled consultations cancelled if my credit card information is inaccurate or invalid. 'GPS Paybiz, Inc. may charge a fee if I fail to attend or cancel an appointment in accordance with any stated cancellation policy.

The calendar as seen on the Site is based on Philippine Standard Time. If a User is outside of the time zone it is that User's responsibility to accommodate for this difference. Notwithstanding anything herein to the contrary, 'GPS Paybiz, Inc. shall not be liable for any losses arising out of the delay or interruption of its performances of any obligations due to any act of God, act of governmental authority, act of public enemy, war, severe weather conditions, or any other cause beyond its control.

Unless expressly stated in these Terms of Use or in the Privacy Policy to the contrary, nothing herein or in the Privacy Policy is intended to confer any rights or remedies under these Terms of Use or the Privacy Policy on any other persons other than me, 'GPS Paybiz, Inc. and its Affiliates. Nothing in these Terms of Use and the Privacy Policy is intended to relieve or discharge the obligation or liability of any third persons to any of, 'GPS Paybiz, Inc. or its Affiliates, nor shall any provision give any third persons any right of subrogation or action over or against me, 'GPS Paybiz, Inc. or its Affiliates.

I may not assign, transfer or delegate these Terms of Use or the Privacy Policy or any part of them without 'GPS Paybiz, Inc.’s prior written consent. 'GPS Paybiz, Inc. may freely transfer, assign or delegate all or any part of these Terms of Use and the Privacy Policy, and any rights and duties hereunder or thereunder. These Terms of Use and Privacy Policy will be binding upon and inure to the benefit of the heirs, successors and permitted assignees of the parties.

By accepting these Terms of Use, I acknowledge that I understand, have read, and agree to the provisions outlined in the Privacy Policy, which is incorporated herein and made part of these Terms of Use by reference.

These Terms of Use and the Privacy Policy shall be governed by and construed in accordance with the laws of the Philippines, without giving effect to any choice of law rules or principles. Any civil action or legal proceeding arising out of or relating to these Terms of Use or Privacy Policy shall be brought in the applicable municipal and/or regional trial court of Mandaluyong City. Each party consents to the jurisdiction of such court in any such civil action or legal proceeding and waives any objection to the laying of venue of any such civil action or legal proceeding in such court. Any cause of action or claim I may have with respect to 'GPS Paybiz, Inc. must be commenced within one (1) year after it arises, except to the extent such limitation is not enforceable. To the fullest extent permitted by law, each party to this Terms of Use waives its or his or her right to a jury trial with respect to any dispute or other controversy arising from hereunder or my use of or access to the 'GPS Paybiz, Inc. Services or website.

If any civil action or other legal proceeding is brought for the enforcement of any of these Terms of Use or the Privacy Policy or because of an alleged dispute, breach, default or misrepresentation in connection with any provision of any of these Terms of Use or the Privacy Policy, the successful or prevailing party or parties shall be entitled to recover reasonable attorneys' fees, sales and use taxes, court costs and all expenses even if not taxable as court costs (including, without limitation, all such fees, taxes, costs and expenses incident to arbitration, appellate, bankruptcy and post-judgment proceedings), incurred in that proceeding, in addition to any other relief to which such party or parties may be entitled. Attorneys' fees shall include, without limitation, paralegal fees, investigative fees, administrative costs, sales and use taxes and all other charges billed by the attorney to the prevailing party (including fees and costs associated with collecting such amounts).

Failure to exercise or delay in exercising any right hereunder, or failure to insist upon or enforce strict performance of any provision of this Terms of Use, shall not be considered waiver thereof, which can only be made by signed writing. No single waiver shall be considered a continuing or permanent waiver.

The provisions of this Terms of Use are severable, and in the event any provision hereof is determined to be invalid or unenforceable, such invalidity or unenforceability shall not affect the validity or enforceability of the remaining provisions, but such provision shall be reformed, if reasonably possible, only to the extent necessary to make it enforceable.

'GPS Paybiz, Inc. has a strict zero tolerance for unsolicited bulk email, unsolicited posting to news groups or other illegal activities. I shall not use or permit any my employees, agents or affiliates to: market, promote or solicit 'GPS Paybiz, Inc. products in ways that violate any laws of the Philippines. I shall not, infringe the rights of others, shall not distribute chain letters or unsolicited bulk electronic mail ("spamming"); propagate computer worms or viruses; use a false identity; attempt to gain unauthorized entry to any site or network; infringe copyrights, trademarks, or other intellectual property rights. I further agree to comply with PH export laws concerning the transmission of technical data and other regulated materials via the Worldwide Web. I agree to indemnify and hold 'GPS Paybiz, Inc. and its Affiliates harmless for any and all acts found or suspected to be in violation hereof. I shall indemnify and hold 'GPS Paybiz, Inc. and its Affiliates harmless against and from losses, damages, costs, and reasonable attorneys' fees, if any, incurred in defending and/or resolving any suits brought against 'GPS Paybiz, Inc. or any of its Affiliates, by anyone arising out of an alleged violation of any anti-spamming rules, regulations, laws, statutes, and the like. My account will be terminated for any of the above infractions.

'GPS Paybiz, Inc. may provide notice by e-mail to the e-mail address I provided during the registration, by a general notice on the 'GPS Paybiz, Inc. Website, or by written communication delivered by first class PH mail or express courier to my address on record in the 'GPS Paybiz, Inc. account information. I may give notice to 'GPS Paybiz, Inc. at any time via electronic mail to [email protected].

These Terms of Use, together with any 'GPS Paybiz, Inc. rules or policies referred to herein, represents the entire agreement between me and 'GPS Paybiz, Inc. concerning the subject matter hereof, and supersede all prior understandings, whether written or oral, concerning such subject matter. 'GPS Paybiz, Inc. may modify this Terms of Use as set forth above.

'GPS Paybiz, Inc. welcomes comments, suggestions and submissions by its User. Any comments, suggestions and submissions made by User, including but not limited to, messages, notes, feedback, artwork, communications, computer code or creative materials provided to 'GPS Paybiz, Inc. shall become the exclusive property of 'GPS Paybiz, Inc.. At the time the comment, suggestion, and/or submission is made it shall act as a full assignment to 'GPS Paybiz, Inc. of all rights whatsoever (copyright, patentability, and intellectual property). 'GPS Paybiz, Inc. shall have the right to use said comment, suggestion, and/or submission as its own for all legal purposes including but not limited to reproduction, disclosure, publishing, distribution and the like without any compensation to User.

This policy explains the kind of personal information that we gather from you or those working on our behalf, through information you enter or from the imported data from authorized and approved sources and how we make use of it while protecting that information at the same time with respect to your privacy and the other user you are transacting with.

We encourage you to read this Privacy Policy before you provide 'GPS Paybiz, Inc., any of your personal and/or corporate information. If you have any questions or concerns regarding this Privacy Policy, please contact us through our email address at [email protected].

1. Scope of our Privacy Policy - This Privacy Policy covers information we collect in email, text and other electronic messages, through mobile and desktop applications (dedicated non-browser-based interaction), interactions with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy, your personal information upon sign-up, between you and us including “follows”, and “like. Also, this policy pertains to your personal identifiable information but not covers your information that was de-identified, pseudonymized, anonymized, aggregated and/or otherwise processed to be considered unidentifiable information. This policy does not apply to data collected through offline means, or from other sites, products, or services that are not approved by us. This Privacy Policy does not also apply to information collected by third party websites, platforms and/or applications (“Third Party Sites”) that we do not control such as payment gateways, among others. These Third-Party Sites may have their own privacy policies and terms and conditions. We encourage you to read them before using those Third-Party Sites. 'GPS Paybiz, Inc., does not guarantee that their privacy policy is the same as our own privacy policy.

2. Consent to our Privacy Policy - It is understood that when you use or access our platform/site and/or use our Services, you acknowledge that you accept the practices and policies described in this Privacy Policy, and you hereby consent that we may collect, use, and share your information with your consent as described herein. If you do not agree with our policies and practices, your choice is not to use our platform or our services. Mere access to this Privacy Policy shall not be construed as your consent to it but indication that you read the same.

3. Data Collection Process of 'GPS Paybiz, Inc., - 'GPS Paybiz, Inc. collects information from our users, the client-users (Client for short) and business-user (Business for brevity) for purposes of allowing them to access and transact in the 'GPS Paybiz, Inc.’s platform with Business, hereinafter referred to as Services. 'GPS Paybiz, Inc., is committed to protecting your privacy and ensuring that your personal information is protected. It is the policy of 'GPS Paybiz, Inc., that Business’ or Clients’ information is strictly confidential and shall be treated as such. This information is provided to us directly by you by signing up, or automatically as you navigate our platform/site or from our business partners as third-party sites wherein you provided them with that information. 'GPS Paybiz, Inc. collects and use sensitive personal information as defined in Data Privacy Act of 2012 and other data, with your consent, to make the platform effective for both Client and Business. This information is your name, address, email address, company and its address, payment information, age, gender, date of birth, username, phone number, other information that you directly or voluntarily provided us, and other pieces of information that could allow you to be identified including documents containing sensitive personal information such as Business’ credentials. Along with this information could be your IP address, social media account and those related to it, the search terms you used, the pages and internal links accessed on our site, the date and time you visited the site, geolocation, the referring site or platform (if any) through which you clicked through to this site, your operating system and web browser type in order for our platform to functionally as designed. With this data, our platform will be able to identify each other, 'GPS Paybiz, Inc., Client and Business, connect them and complete the process and transaction of clients and Business. It is understood by the user that 'GPS Paybiz, Inc. is a web and mobile application wherein Business agrees to display their name and their basic business details to the public for purposes of informing clients and store the same in their respective database. 'GPS Paybiz, Inc. does not gather or obtain personal and confidential information of the Client and Business for any other purpose except for Business’ services as contemplated in this application and does not use it for any purpose whatsoever. For transparency, the technologies we use for automatic data collection may include cookies, flash cookies, web beacons, pixel tracking, GIF and/or IP address. We may store personal information in locations outside our direct control (for instance, on servers or databases located or co-located with hosting providers) but with appropriate server security.

4. Deletion of Data - If you are not amenable to the said collection and use of your data, please let us know so that we can delete your account as you have the right to delete your account if the same was registered by mistake or otherwise. If you are not yet registered, please refrain from registration if you do not agree to such collection and use of your private data. In collecting such information, 'GPS Paybiz, Inc. is committed to protecting your privacy and ensuring that your personal information and that of you and the other party you are transacting with is protected. You may request deletion of your account by clicking the appropriate button in the settings or emailing us through our email address at [email protected]. In case of request for deletion of the account by email, the user shall send an email at [email protected] requesting for the deletion of the account together with the details of the account such as account name and date of birth, gender and other specific details for purposes of verifying ownership of the account. Once verified and within 24 hours from request, 'GPS Paybiz, Inc. shall delete the account requested for deletion in the database of the app. The account deleted cannot anymore be revived and the user must create another account. Thus, user must ensure that all needed data in the account must be saved by them before requesting for deletion.

5. Data Processing in 'GPS Paybiz, Inc. - The process of 'GPS Paybiz, Inc. involves gathering of various types of Personal Information from our users, and we use this Personal Information internally in connection with our Services, including to personalize and improve our services, to allow you to set up a user account and profile, to contact you and allow other users to contact you, to fulfil your requests for Business services, to provide and improve the Services, and to analyze how you use the Services. It is the policy of 'GPS Paybiz, Inc. that Client and Business basic information of name, online/offline presence, location, among others will be displayed to the public for purposes of identification of each other as Client or Business and by adhering to this policy, Client and Business are conclusively presumed to have given their consent to such disclosure. To reiterate, when user register/sign-up to this Site, they are considered to have given their consent to this privacy policy and by continuing to login and use the Site, they continue to give consent to such terms of policy and its amendment. You also may provide information to be published or displayed on public areas of the platform/site and/or social media account of 'GPS Paybiz, Inc., Inc., or transmitted to other users of the platform/site or third parties. You agree that your content is posted on and transmitted to others at your own risk. We cannot control the actions of other users of the platform/site with whom you may choose to share your information or content and 'GPS Paybiz, Inc., Inc. do not guarantee that your content will not be viewed by unauthorized persons. Any personal information or content that you voluntarily disclose for posting to our platform/site becomes available to the public and you may control it by any applicable privacy or platform/site customization settings. In some instances, copies may remain viewable in cached and archived pages, or if other users have copied or saved information that you might have removed. If app permission is required as to location, audio, video or other information, you may activate and deactivate it depending on the need of the Services to function properly. You have the right to change your privacy settings on the Service, you may visit your account settings page and/or your app permission, and whichever is applicable. 'GPS Paybiz, Inc., Inc. will not unnecessarily disclose any personal sensitive information without the consent of the user. Your information is merely stored for viewing by the Client and/or Business, vice-versa, for purposes of their transaction inside 'GPS Paybiz, Inc. and nothing more. If it is necessary to disclose pursuant to the Services you requested, they will be bound by obligations of confidentiality herein. 'GPS Paybiz, Inc. assumes that all users are of legal age. In case of minors or children inadvertently using the platform and impliedly providing personal information, 'GPS Paybiz, Inc. shall not be liable for the same except only to the extent of removing the account and deleting such personal information as soon as possible. Moreover, some parts of the site wherein there must be an eligibility to receive prizes, samples or other rewards may be limited to users over a certain age. We may use your personal and/or corporate information to carry out age verification checks and enforce any such age restrictions. With this privacy policy includes your agreement and consent that 'GPS Paybiz, Inc. shall have the right to check, counter-check, investigate or verify the information you provided and in such case, disclosure of such information to appropriate person for the same is likewise permitted or allowed by you.

6. Data Security in 'GPS Paybiz, Inc. – It is agreed by the users that data security is a shared responsibility among the users and 'GPS Paybiz, Inc.. This is how we protect the data that you provided us either directly or indirectly. 'GPS Paybiz, Inc. platform/site is equipped with tools and processes intended to secure your data from accidental loss and from unauthorized access, use, alteration and disclosure by storing it on the secured servers of our service providers. However, data security is a shared responsibility with the user as the safety and security of your information also rests on you. You are given the chance to protect it using your password for access to the platform/site or Services, and you are responsible for keeping this password to yourself only and should not be shared to anyone. Provide an appropriate password and take action to prevent unauthorized access to your account and data such as regularly signing off after accessing your account. The data of the platform/site and/or Services is being transmitted via the internet. Please be informed that the transmission of information via the internet is not completely secure. Earnest effort has been made to protect your data, but we cannot guarantee its 100% security. Any transmission of Personal Information is at your own risk. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time. We are not responsible for circumvention of any privacy settings or security measures contained on the platform/site or used with our Services.

7. Data use in 'GPS Paybiz, Inc. – The use, storage/retention and removal of your data is in accordance with generally accepted rules. The personal information we obtained from you might be used to:

•	Access our platform/site and show contents to you.
•	Secure for you information, products, or services that you request from us.
•	Analyze the Service you used, solve technical problems, maintain security, and personalize content for you.
•	Accomplish any other purpose for which you provide inside and outside the platform/site.
•	Deliver you with notices, SMS, notifications, emails about your account, including requests, expiration and renewal notices.
•	Manage and maintain your account and provide to you the features and functionality of the Service.
•	Fulfill our obligations and enforce our rights arising from any contracts entered between you and us, including for payment, billing and collection.
•	Notify you about updates to our platform/sites, our policies, terms of use or any products or services we offer or provide.
•	Permit you to use interactive features on our site/platform.
•	In such other uses which our platform/site in any other way we may describe when you provide the information.

This information might also be used to improve our product and services, expand our scope, and cater more to your needs as our consumer. Also, this personal information may be used to assess the effectiveness of our site through its advertisements and promotions.

In case we collect personal and/or corporate information for a specific purpose, we will not keep it for longer than is necessary to fulfill that purpose, unless we must keep it for legitimate business or legal reasons. To protect information from accidental or malicious destruction, when we delete information from our services, we may not immediately delete residual copies from our servers or remove information from our backup systems, but we delete them within reasonable time. Only authorized personnel have access to this personal information, the exchange of which will be facilitated through email and hard copy. They will be stored in a database for years allowed under Data Privacy Act and related laws such as BIR (after complaints, inquiries, requests are acted upon) from date of your request to deactivate after which physical records shall be disposed of through shredding, while digital files shall be anonymized. When it comes to sharing your personal and/or corporate information, we do not share it but we only provide abstract data to our trusted third parties such as our advertising, marketing, promotional agencies, and also to our legal department, as well as the delivery or postal service. Moreover, if we ever do share your personal information with a third party, we shall do our best to ensure that they use your personal information strictly for the purpose asked and without any prejudice to you. We also use cookies. These may be gathered upon your action or registration for certain products, services, and promotions wherein you will be asked to sign up a form or survey from the site. Moreover, we may also receive personal and/or corporate information about you from outside sources if you have also given them consent or permission to share that personal information to us.

In the event of deactivation of your account with us, we may retain your profile content for a reasonable time and store it in the archives for not longer than years allowed under the Data Privacy Act and related laws. Furthermore, we may retain and continue to use indefinitely all information (including user content) contained in your communications to other users or posted to public or semi- public areas of our platform/site after termination or deactivation of your account. 'GPS Paybiz, Inc. reserves the right, but has no obligation, to monitor the content you post on the platform/site and reserve the right to remove the same without notice, on its own or upon request of another, with or without cause or limitation, which in our belief violates any applicable law or to protect 'GPS Paybiz, Inc., the public or its users. We may also use your information to contact you about our goods and services that may be of interest to you. If you do not want us to use your information in this way, please click “unsubscribe”, if applicable. However, unsubscribing or opting out may prevent you from receiving email messages regarding updates, improvements, special features, announcements, or offers from us. You may not opt out of emails relating to the use of Service. If you do not also want that, you may request us for the complete deletion of your account. You may be able to add, update, or delete information as explained above. When you update information, however, we may maintain a copy of the unrevised information in our records. We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria. You have the right to ask for a copy of any personal information we hold about you, as well as to ask for it to be corrected if you think it is wrong. To do so, please contact our email address at [email protected].

We use Analytics. This tool will help us analyze your use of the Services, including information like, how often you visit, events within the Services, and usage and performance data. We use this data to improve the Services, better understand how the Services perform on different devices, and provide information that may be of interest to you. We use the abstract data from the analytics for our marketers, advertisers and other third party service providers for our operation.

8. Third Party and Your Data – 'GPS Paybiz, Inc. will not collect, use, or disclose your personal and/or corporate information to third parties without your consent as we would expressly ask in case there is a need for us to use that information. Moreover, we may ask you to provide additional consent if we need to use your personal information for purposes not covered by this Privacy Policy. 'GPS Paybiz, Inc. will not oblige you to provide us your consent if you decide to do otherwise. Should you decide to provide for additional consent, the terms of that consent shall prevail in the event of any conflict with the terms of this Privacy Policy. 'GPS Paybiz, Inc. might have some content or applications, including advertisements on the platform/site that are provided by third parties, including advertisers, ad networks and servers, content providers and application providers. These third parties may use automatic tracking technologies to collect information about you when you use our platform/site and/or Services. The information they collect may be associated with your personal information or they may collect information, including personal Information, about your online activities over time and across different websites and other online services. They may use this information to provide you with targeted advertising. We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. Financial information connected to payments may be collected or stored by a third-party payment processor and payment is subject to their terms and policies and will be subject to their own security procedures. It's advisable to first check your preferred payment processor. We use social media application program interfaces or plug- ins from social networks, including Facebook, Google, and/or possibly other companies, into the platform/site. This plug-in is used to register as a user with us with option to sign up and sign in using your Facebook or Google or other social media. Should you opt to use this plug-in, you are considered to have authorized us to access that certain social media account information, such as your profile in accordance with privacy settings, your email address, interests, likes, gender, birthday, education history, relationship interests, current city, photos, personal description, friend list, and information about and photos of your friends who might be common friends with other users in the said social media site. It may transfer information about you to the social media respective platform without action by you. This information may include your platform user identification number, which website you are on, and more and you are authorizing interactions that will transmit information directly to that plug-in’s social network and that information may be visible by others on that platform.

Before doing this, you may review the social media site privacy policy, as the same might not be the same as our Privacy Policy. In case of merger, consolidation, acquisition or any other corporate activities that requires disclosure, you consent to our disclosure of your data and other information for that purpose, in which we hold that data as among the assets of 'GPS Paybiz, Inc. and you agree and consent to our assignment, conveyance, or transfer (whether by contract, merger or operation of law) of rights to your data, with or without notice to you and without your further consent.

9. Miscellaneous Conditions on Your Data - This privacy policy includes by incorporation the terms of use and disclaimer of the Site forming an integral part thereof. It is our policy to provide notifications, whether such notifications are required by law or are for marketing or other business-related purposes, to you by email, written or hard copy notice, or through conspicuous posting of such notice on our platform/site or in such other means and method, at our sole discretion. We reserve the right to determine the form and means of providing notifications to you, if you may opt out of certain means of notification as described in this Privacy Policy.

Finally, this privacy policy might be subject to change from time to time. The updated version of it will be posted here upon finalization of such change with due notice. We encourage you to read these changes as it might affect you but duly assured it will not be prejudicial.