Terms & Conditions

Terms & Conditions

Terms of Use These ePayNYC.com Terms of Use is entered into between you (hereinafter referred to as “you” or “your”) and ePayNYC.com operators (as defined below). By accessing, downloading, using or clicking on “I agree” to accept any ePayNYC.com Services (as defined below) provided by ePayNYC.com (as defined below), you agree that you have read, understood and accepted all of the terms and conditions stipulated in these Terms of Use (hereinafter referred to as “these Terms”) as well as our Privacy Policy at   https://www.ePayNYC.com/en/privacy. In addition, when using some features of the Services, you may be subject to specific additional terms and conditions applicable to those features. Please read the terms carefully as they govern your use of ePayNYC Services.THESE TERMS CONTAIN IMPORTANT PROVISIONS INCLUDING AN ARBITRATION PROVISION THAT REQUIRES ALL CLAIMS TO BE RESOLVED BY WAY OF LEGALLY BINDING ARBITRATION. The terms of the arbitration provision are set forth in Article 10, “Resolving Disputes: Forum, Arbitration, Class Action Waiver”, hereunder. As with any asset, the values of Digital Currencies (as defined below) may fluctuate significantly and there is a substantial risk of economic losses when purchasing, selling, holding or investing in Digital Currencies and their derivatives.BY MAKING USE OF ePayNYC SERVICES, YOU ACKNOWLEDGE AND AGREE THAT: (1) YOU ARE AWARE OF THE RISKS ASSOCIATED WITH TRANSACTIONS OF DIGITAL CURRENCIES AND THEIR DERIVATIVES; (2) YOU SHALL ASSUME ALL RISKS RELATED TO THE USE OF ePayNYC SERVICES AND TRANSACTIONS OF DIGITAL CURRENCIES AND THEIR DERIVATIVES; AND (3) ePayNYC SHALL NOT BE LIABLE FOR ANY SUCH RISKS OR ADVERSE OUTCOMES. By accessing, using or attempting to use ePayNYC Services in any capacity, you acknowledge that you accept and agree to be bound by these Terms. If you do not agree, do not access ePayNYC or utilize ePayNYCservices. I. Definitions 1. ePayNYC refers to an ecosystem comprising ePayNYC websites (whose domain names include but are not limited to  https://www.ePayNYC.com), mobile applications, clients, applets and other applications that are developed to offer ePayNYC Services, and includes independently-operated platforms, websites and clients within the ecosystem (e.g. ePayNYC’s Open Platform, ePayNYC Launchpad, ePayNYC Labs, ePayNYC Charity, ePayNYC, Trust Wallet, and fiat gateways). In case of any inconsistency between relevant terms of use of the above platforms and the contents of these Terms, the respective applicable terms of such platforms shall prevail. 2. ePayNYC Operators refer to all parties that run ePayNYC, including but not limited to legal persons, unincorporated organizations and teams that provide ePayNYC Services and are responsible for such services. For convenience, unless otherwise stated, references to “ePayNYC” and “we” in these Terms specifically mean ePayNYC Operators. UNDER THESE TERMS, ePayNYC OPERATORS MAY CHANGE AS ePayNYC’S BUSINESS ADJUSTS, IN WHICH CASE, THE CHANGED OPERATORS SHALL PERFORM THEIR OBLIGATIONS UNDER THESE TERMS WITH YOU AND PROVIDE SERVICES TO YOU, AND SUCH CHANGE DOES NOT AFFECT YOUR RIGHTS AND INTERESTS UNDER THESE TERMS. ADDITIONALLY, THE SCOPE OF ePayNYC OPERATORS MAY BE EXPANDED DUE TO THE PROVISION OF NEW ePayNYC SERVICES, IN WHICH CASE, IF YOU CONTINUE TO USE ePayNYC SERVICES, IT IS DEEMED THAT YOU HAVE AGREED TO JOINTLY EXECUTE THESE TERMS WITH THE NEWLY ADDED ePayNYC OPERATORS. IN CASE OF A DISPUTE, YOU SHALL DETERMINE THE ENTITIES BY WHICH THESE TERMS ARE PERFORMED WITH YOU AND THE COUNTERPARTIES OF THE DISPUTE, DEPENDING ON THE SPECIFIC SERVICES YOU USE AND THE PARTICULAR ACTIONS THAT AFFECT YOUR RIGHTS OR INTERESTS. 3. ePayNYC Services refer to various services provided to you by ePayNYC that are based on Internet and/or blockchain technologies and offered via ePayNYC websites, mobile applications, clients and other forms (including new ones enabled by future technological development). ePayNYC Services include but are not limited to such ePayNYC ecosystem components as Digital Asset Trading Platforms, the financing sector, ePayNYC Labs, ePayNYC Academy, ePayNYCCharity, ePayNYC Info, ePayNYC Launchpad, ePayNYC Research, Binance Chain, ePayNYCX, ePayNYC Fiat Gateway, existing services offered by Trust Wallet and novel services to be provided by ePayNYC. 4. ePayNYC Platform Rules refer to all rules, interpretations, announcements, statements, letters of consent and other contents that have been and will be subsequently released by ePayNYC, as well as all regulations, implementation rules, product process descriptions, and announcements published in the Help Center or within products or service processes. 5. Users refer to all individuals, institutions or organizations that access, download or use ePayNYC or ePayNYC Services and who meet the criteria and conditions stipulated by ePayNYC. If there exist other agreements for such entities as developers, distributors, market makers, and Digital Currencies exchanges, such agreements shall be followed. 6.ePayNYC Digital Currencies refer to encrypted or digital tokens or cryptocurrencies with a certain value that are based on blockchain and cryptography technologies and are issued and managed in a decentralized form. 7. Digital Assets refer to Digital Currencies, their derivatives or other types of digitalized assets with a certain value. 8. ePayNYC Accounts refer to the foundational virtual accounts, including main accounts and subaccounts, which are opened by ePayNYC for Users to record on ePayNYC their usage of ePayNYC Services, transactions, asset changes and basic information. ePayNYCAccounts serve as the basis for Users to enjoy and exercise their rights on ePayNYC 9. ePayNYC Crypto-to-crypto Trading refers to spot transactions in which one digital currency is exchanged for another digital currency. 10. Fiat Trading refers to spot transactions in which Digital Currencies are exchanged for fiat currencies or vice versa. 11. Collateral Accounts refer to special accounts opened by Users on BePayNYC to deposit and withdraw collateral (such as margins) in accordance with these Terms (including the ePayNYC Contract Services Agreement and ePayNYCPlatform Rules), as required for contract transactions, leveraged trading and/or currency borrowing services. 12. Loan/Lending refers to ePayNYC’s lending of Digital Currencies to Users at an interest collected in certain ways (in the form of Digital Currencies), including but not limited to the leveraged trading and currency lending services currently offered, and other forms of loan/lending services to be launched by ePayNYC. II. General Provisions 1. About These Terms a. Contractual Relationship These Terms constitute a legal agreement and create a binding contract between you and ePayNYC Operators. b. Supplementary Terms Due to the rapid development of Digital Currencies and ePayNYC, these Terms between you and ePayNYC Operators do not enumerate or cover all rights and obligations of each party, and do not guarantee full alignment with needs arising from future development. Therefore,THE PRIVACY POLICY (https://www.ePayNYC.com/en/privacy), ePayNYC PLATFORM RULES, AND ALL OTHER AGREEMENTS ENTERED INTO SEPARATELY BETWEEN YOU AND ePayNYC ARE DEEMED SUPPLEMENTARY TERMS THAT ARE AN INTEGRAL PART OF THESE TERMS AND SHALL HAVE THE SAME LEGAL EFFECT. YOUR USE OF ePayNYC SERVICES IS DEEMED YOUR ACCEPTANCE OF THE ABOVE SUPPLEMENTARY TERMS. c. Changes to These Terms ePayNYC reserves the right to change or modify these Terms in its discretion at any time. ePayNYC will notify such changes by updating the terms on its website (https://www.ePayNYC.com/en/terms) and modifying the [Last revised] date displayed on this page. ANY AND ALL MODIFICATIONS OR CHANGES TO THESE TERMS WILL BECOME EFFECTIVE UPON PUBLICATION ON THE WEBSITE OR RELEASE TO USERS. THEREFORE, YOUR CONTINUED USE OF ePayNYC SERVICES IS DEEMED YOUR ACCEPTANCE OF THE MODIFIED AGREEMENT AND RULES. IF YOU DO NOT AGREE TO ANY CHANGES TO THESE TERMS, YOU MUST STOP USING ePayNYC SERVICES IMMEDIATELY. YOU ARE RECOMMENDED TO FREQUENTLY REVIEW THESE TERMS TO ENSURE YOUR UNDERSTANDING OF THE TERMS AND CONDITIONS THAT APPLY TO YOUR ACCESS TO AND USE OF ePayNYC SERVICES. d. Prohibition of Use BY ACCESSING AND USING ePayNYC SERVICES, YOU REPRESENT AND WARRANT THAT YOU HAVE NOT BEEN INCLUDED IN ANY TRADE EMBARGOES OR ECONOMIC SANCTIONS LIST (SUCH AS THE UNITED NATIONS SECURITY COUNCIL SANCTIONS LIST), THE LIST OF SPECIALLY DESIGNATED NATIONALS MAINTAINED BY OFAC (THE OFFICE OF FOREIGN ASSETS CONTROL OF THE U.S. DEPARTMENT OF THE TREASURY), OR THE DENIED PERSONS OR ENTITY LIST OF THE U.S. DEPARTMENT OF COMMERCE. ePayNYC RESERVES THE RIGHT TO CHOOSE MARKETS AND JURISDICTIONS TO CONDUCT BUSINESS, AND MAY RESTRICT OR REFUSE, IN ITS DISCRETION, THE PROVISION OF ePayNYC SERVICES IN CERTAIN COUNTRIES OR REGIONS. 2. About ePayNYC As an important part of the ePayNYC Ecosystem, ePayNYC mainly serves as a global online platform for Digital Assets trading, and provides Users with a trading platform, financing services, technical services and other Digital Assets-related services. As further detailed in Article 3 below, Users must register and open an account with ePayNYC, and deposit Digital Assets into their account prior to trading. Users may, subject to the restrictions set forth in these Terms, apply for the withdrawal of Digital Assets. Although ePayNYC has been committed to maintaining the accuracy of the information provided through ePayNYC Services, ePayNYC cannot and does not guarantee its accuracy, applicability, reliability, integrity, performance or appropriateness, nor shall ePayNYC be liable for any loss or damage that may be caused directly or indirectly by your use of these contents. The information about ePayNYC Services may change without notice, and the main purpose of providing such information is to help Users make independent decisions. ePayNYC does not provide investment or consulting advice of any kind, and is not responsible for the use or interpretation of information on ePayNYC or any other communication medium. All Users of ePayNYC Services must understand the risks involved in Digital Assets trading, and are recommended to exercise prudence and trade responsibly within their own capabilities. 3. ePayNYC Account Registration and Requirements a. Registration All Users must apply for a Binance Account at ((https://accounts.ePayNYC.com/en/register) before using ePayNYC Services. When you register a ePayNYCAccount, you must provide your real name, email address and password, and accept these Terms, the Privacy Policy, and other ePayNYC Platform Rules. ePayNYCmay refuse, in its discretion, to open a ePayNYC Account for you. You agree to provide complete and accurate information when opening a ePayNYC Account, and agree to timely update any information you provide to ePayNYC to maintain the integrity and accuracy of the information. Only one User can be registered at a time, but each individual User (including any User that is a business or legal entity) may maintain only one main account at any given time. Institutional Users (including Users that are businesses and other legal entities) can open one or more subaccounts under the main account with the consent of ePayNYC. For certain ePayNYC Services, you may be required to set up a special account independent from your ePayNYC Account, based on the provisions of these Terms or the Supplementary Terms. The registration, use, protection and management of such trading accounts are equally governed by the provisions of this article and article 6, unless otherwise stated in these Terms or the Supplementary Terms. b. Eligibility By registering to use a ePayNYC Account, you represent and warrant that (i) as an individual, you are at least 18 or are of legal age to form a binding contract under applicable laws; (ii) as an individual, legal person, or other organization, you have full legal capacity and sufficient authorizations to enter into these Terms; (iii) you have not been previously suspended or removed from using ePayNYC Services; (iv) you do not currently have a ePayNYC Account; (v) you are a non- U.S User, unless you only log on to websites for U.S. Users and use ePayNYC Services for U.S. Users. If you act as an employee or agent of a legal entity, and enter into these Terms on their behalf, you represent and warrant that you have all the necessary rights and authorizations to bind such legal entity; (vi) your use of ePayNYC Services will not violate any and all laws and regulations applicable to you, including but not limited to regulations on anti-money laundering, anti-corruption, and counter-terrorist financing. c. User Identity Verification Your registration of an account with ePayNYC will be deemed your agreement to provide required personal information for identity verification. Such information will be used to verify Users’ identity, identify traces of money laundering, terrorist financing, fraud and other financial crimes through ePayNYC, or for other lawful purposes stated by ePayNYC. We will collect, use and share such information in accordance with our Privacy Policy. In addition to providing such information, you agree to allow us to keep a record of that information during the period for which your account is active and within five (5) years after your account is closed, in compliance with global industry standards on data storage. You also authorize us to conduct necessary investigations directly or through a third party to verify your identity or protect you and/or us from financial crimes, such as fraud. The information we require to verify your identity may include, but is not limited to, your name, email address, contact information, phone number, username, government-issued ID, date of birth, and other information collected during account registration. When providing the required information, you confirm it is true and accurate. AFTER REGISTRATION, YOU MUST ENSURE THAT THE INFORMATION IS TRUE, COMPLETE, AND TIMELY UPDATED WHEN CHANGED. IF THERE ARE ANY GROUNDS FOR BELIEVING THAT ANY OF THE INFORMATION YOU PROVIDED IS INCORRECT, FALSE, OUTDATED OR INCOMPLETE, ePayNYC RESERVES THE RIGHT TO SEND YOU A NOTICE TO DEMAND CORRECTION, DIRECTLY DELETE THE RELEVANT INFORMATION, AND, AS THE CASE MAY BE, TERMINATE ALL OR PART OF ePayNYC SERVICES WE PROVIDE FOR YOU. IF WE ARE UNABLE TO REACH YOU WITH THE CONTACT INFORMATION YOU PROVIDED, YOU SHALL BE FULLY LIABLE FOR ANY LOSS OR EXPENSE CAUSED TO ePayNYC DURING YOUR USE OF ePayNYC SERVICES. YOU HEREBY ACKNOWLEDGE AND AGREE THAT YOU HAVE THE OBLIGATION TO UPDATE ALL THE INFORMATION IF THERE IS ANY CHANGE. BY REGISTERING AN ACCOUNT, YOU HEREBY AUTHORIZE BePayNYC TO CONDUCT INVESTIGATIONS THAT ePayNYC CONSIDERS NECESSARY, EITHER DIRECTLY OR THROUGH A THIRD PARTY, TO VERIFY YOUR IDENTITY OR PROTECT YOU, OTHER USERS AND/OR ePayNYC FROM FRAUD OR OTHER FINANCIAL CRIMES, AND TO TAKE NECESSARY ACTIONS BASED ON THE RESULTS OF SUCH INVESTIGATIONS. YOU ALSO ACKNOWLEDGE AND AGREE THAT YOUR PERSONAL INFORMATION MAY BE DISCLOSED TO CREDIT BUREAUS AND AGENCIES FOR FRAUD PREVENTION OR FINANCIAL CRIME PREVENTION, WHICH MAY RESPOND TO OUR INVESTIGATIONS IN FULL. d. Account Usage Requirements The ePayNYC Account can only be used by the account registrant. ePayNYC reserves the right to suspend, freeze or cancel the use of ePayNYC Accounts by persons other than account registrant. If you suspect or become aware of any unauthorized use of your username and password, you should notify ePayNYC immediately. ePayNYC assumes no liability for any loss or damage arising from the use of PayNYC Account by you or any third party with or without your authorization. e. Account Security ePayNYC has been committed to maintaining the security of User entrusted funds, and has implemented industry standard protection for ePayNYC Services. However, the actions of individual Users may pose risks. You shall agree to treat your access credentials (such as username and password) as confidential information, and not to disclose such information to any third party. You also agree to be solely responsible for taking the necessary security measures to protect your ePayNYC Account and personal information. You should be solely responsible for keeping safe of your ePayNYC Account and password, and be responsible for all the transactions under your ePayNYC Account. ePayNYC assumes no liability for any loss or consequences caused by authorized or unauthorized use of your account credentials, including but not limited to information disclosure, information release, consent or submission of various rules and agreements by clicking on the website, online agreement renewal, etc. By creating a ePayNYC Account, you hereby agree that:     you will notify ePayNYC immediately if you are aware of any unauthorized use of your ePayNYC Account and password or any other violation of security rules;     you will strictly abide by all mechanisms or procedures of ePayNYC regarding security, authentication, trading, charging, and withdrawal; and     you will take appropriate steps to logout from ePayNYC at the end of each visit. f. Personal Data Your personal data will be properly protected and kept confidential, but ePayNYC has the right to collect, process, use or disclose your personal data in accordance with the Terms (including the Privacy Policy) or applicable laws. Depending on the products or services concerned, your personal data may be disclosed to the following third parties:     your transaction counterparty;     ePayNYC Operators, and the shareholders, partners, investors, directors, supervisors, senior managers and employees of such entities;     our joint ventures, alliance partners and business partners;     our agents, contractors, suppliers, third-party service providers and professional advisers, including the parties who have been contracted to provide us with administrative, financial, research, operations, IT and other services, in such areas as telecommunications, information technology, payroll, information processing, training, market research, storage and archival;     third-party business partners who provide goods and services or sponsor contests or other promotional activities, whether or not in cooperation with us;     insurance companies or insurance investigators and credit providers;     credit bureaus, or any debt collection agencies or dispute resolution centers in the event of violation or dispute;     business partners, investors, trustees or assignees (actual or expected) that promote business asset transactions (which can be broadened to include any merger, acquisition or asset sale) of ePayNYC Operators;     professional consultants such as auditors and lawyers;     relevant government regulatory agencies or law enforcement agencies to comply with laws or regulations formulated by government authorities;     assignees of our rights and obligations;     banks, credit card companies and their respective service providers;     persons with your consent as determined by you or the applicable contract. III. ePayNYC Services Upon completion of the registration and identity verification for your ePayNYC Account, you may use various ePayNYC Services, including but not limited to, Crypto-to-crypto Trading, Fiat Trading, contract trading, leveraged trading, ePayNYC Savings services, staking, acquiring market-related data, research and other information released byePayNYC, participating in User activities held by ePayNYC, etc., in accordance with the provisions of these Terms (including ePayNYC Platform Rules and other individual agreements). ePayNYC has the right to:     Provide, modify or terminate, in its discretion, any ePayNYC Services based on its development plan; and     Allow or prohibit some Users’ use of any ePayNYC Services in accordance with relevant ePayNYC Platform Rules. 1. Service Usage Guidelines a. License Provided that you constantly comply with the express terms and conditions stated in these Terms, ePayNYC grants you a revocable, limited, royalty-free, non-exclusive, non-transferable, and non-sublicensable license to access and use ePayNYC Services through your computer or Internet compatible devices for your personal/internal purposes. You are prohibited to use ePayNYC Services for resale or commercial purposes, including transactions on behalf of other persons or entities. All the above actions are expressly prohibited and constitute a material violation of these Terms. The content layout, format, function and access rights regarding ePayNYC Services should be stipulated in the discretion of ePayNYC. ePayNYC reserves all rights not expressly granted in these Terms. Therefore, you are hereby prohibited from using ePayNYCServices in any way not expressly authorized by these Terms. These Terms only grant a limited license to access and use ePayNYC Services. Therefore, you hereby agree that when you use ePayNYC Services, ePayNYC does not transfer ePayNYC Services or the ownership or intellectual property rights of any ePayNYC intellectual property to you or anyone else. All the text, graphics, user interfaces, visual interface, photos, sounds, process flow diagrams, computer code (including html code), programs, software, products, information and documents, as well as the design, structure, selection, coordination, expression, look and feel, and layout of any content included in the services or provided through ePayNYC Services, are exclusively owned, controlled and/or licensed by ePayNYC Operators or its members, parent companies, licensors or affiliates. ePayNYC owns any feedback, suggestions, ideas, or other information or materials (hereinafter collectively referred to as “Feedback”) about ePayNYC or ePayNYC Services that you provide through email, ePayNYC Services, or other ways. You hereby transfer all rights, ownership and interests of the Feedback and all related intellectual property rights to ePayNYC. You have no right and hereby waive any request for acknowledgment or compensation based on any Feedback, or any modifications based on any Feedback. b. Restrictions When you use ePayNYC Services, you agree and undertake to comply with the following provisions:     During the use of ePayNYC Services, all activities you carry out should comply with the requirements of applicable laws and regulations, these Terms, and various guidelines of ePayNYC;     Your use of ePayNYC Services should not violate public interests, public morals, or the legitimate interests of others, including any actions that would interfere with, disrupt, negatively affect, or prohibit other Users from using ePayNYC Services;     You agree not to use the services for market manipulation (such as pump and dump schemes, wash trading, self-trading, front running, quote stuffing, and spoofing or layering, regardless of whether prohibited by law);     Without written consent from ePayNYC, the following commercial uses of ePayNYC data are prohibited:     1) Trading services that make use of ePayNYC quotes or market bulletin board information.     2) Data feeding or streaming services that make use of any market data of ePayNYC.     3) Any other websites/apps/services that charge for or otherwise profit from (including through advertising or referral fees) market data obtained from ePayNYC.     Without prior written consent from ePayNYC, you may not modify, replicate, duplicate, copy, download, store, further transmit, disseminate, transfer, disassemble, broadcast, publish, remove or alter any copyright statement or label, or license, sub-license, sell, mirror, design, rent, lease, private label, grant security interests in the properties or any part of the properties, or create their derivative works or otherwise take advantage of any part of the properties.     You may not (i) use any deep linking, web crawlers, bots, spiders or other automatic devices, programs, scripts, algorithms or methods, or any similar or equivalent manual processes to access, obtain, copy or monitor any part of the properties, or replicate or bypass the navigational structure or presentation of ePayNYC Services in any way, in order to obtain or attempt to obtain any materials, documents or information in any manner not purposely provided through ePayNYC Services; (ii) attempt to access any part or function of the properties without authorization, or connect to ePayNYC Services or any ePayNYCe servers or any other systems or networks of any ePayNYC Services provided through the services by hacking, password mining or any other unlawful or prohibited means; (iii) probe, scan or test the vulnerabilities of ePayNYC Services or any network connected to the properties, or violate any security or authentication measures on ePayNYC Services or any network connected to ePayNYC Services; (iv) reverse look-up, track or seek to track any information of any other Users or visitors of ePayNYCServices; (v) take any actions that imposes an unreasonable or disproportionately large load on the infrastructure of systems or networks ofePayNYC Services or ePayNYC, or the infrastructure of any systems or networks connected to ePayNYC services; (vi) use any devices, software or routine programs to interfere with the normal operation of ePayNYC Services or any transactions on ePayNYC Services, or any other person’s use of ePayNYC Services; (vii) forge headers, impersonate, or otherwise manipulate identification, to disguise your identity or the origin of any messages or transmissions you send to ePayNYC, or (viii) use ePayNYC Services in an illegal way. By accessing ePayNYC Services, you agree thatePayNYC has the right to investigate any violation of these Terms, unilaterally determine whether you have violated these Terms, and take actions under relevant regulations without your consent or prior notice. Examples of such actions include, but are not limited to:     Blocking and closing order requests;     Freezing your account;     Reporting the incident to the authorities;     Publishing the alleged violations and actions that have been taken;     Deleting any information you published that are found to be violations. 2. Crypto-to-crypto Trading ePayNYC ,Upon completion of the registration and identity verification for your ePayNYC Account, you may conduct Crypto-to-crypto Trading on ePayNYC in accordance with the provisions of these Terms and ePayNYC Platform Rules. a. Orders Upon sending an instruction of using ePayNYC Services for Crypto-to-crypto Trading (an “Order”), your account will be immediately updated to reflect the open Orders, and your Orders will be included in ePayNYC’s order book to match other users’ Orders. If one of your Orders fully or partially matches another user’s Order, ePayNYC will execute an exchange (a “Transaction”). Once the Transaction is executed, your account will be updated to reflect that the Order has been fully executed and closed, or the Order has been partially executed. The Order will remain uncompleted until it is fully executed or cancelled under paragraph (b) below. To conclude a Transaction, you authorize ePayNYC to temporarily control the Digital Currencies involved in your Transaction. b. Cancellation For Orders initiated through ePayNYC Services, you may only cancel them before they have been matched with other Users’ Orders. Once your Order has been matched with another user’s Order, you may not change, revoke or cancel ePayNYC’s authorization to complete the Order. For any partially matched Order, you may cancel the unmatched part of the Order unless such portion has been matched. ePayNYC reserves the right to reject any cancellation request related to the Order you have submitted. If your account does not have sufficient amount of Digital Currencies to execute an Order, ePayNYC may cancel the entire Order, or execute part of the Order with the amount of Digital Currencies you have in your account (in each case, any Transaction related fees payable to ePayNYC are deducted as stated in paragraph (c) below). c. Fees You agree to pay ePayNYC the fees specified in  https://www.ePayNYC.com/en/fee/schedule. ePayNYC may, in its discretion, update the fees at any time. Any updated fees will apply to any sales or other Transactions that occur following the effective date of the updated fees. You authorize ePayNYC to deduct from your account any applicable fees that you owe under these Terms. d. Other Types of Crypto-to-crypto Trading In addition to the Crypto-to-crypto Trading that allows users to directly place orders as mentioned in paragraph (a) above, ePayNYC may, in its discretion, provide technical and platform services for other types of Crypto-to-crypto Trading under its separately formulated ePayNYC Platform Rules, such as One Cancels the Other (OCO) and block trade. 3. Fiat Trading Prior to conducting Fiat Trading, in accordance with type of fiat trading, you shall separately read and sign User Agreements with various ePayNYC partnered OTC platforms, and comply with the Legal Statement, Privacy Policy,P2P User Transaction Policy  and other specific Binance Platform Rules related to Fiat Trading as well as the business rules of such partners, and open an account on such ePayNYC OTC platforms, following the completion of the registration and identity verification for your ePayNYC Account, if applicable. a. Fiat Payments In order to provide adequate operational support for you in respect of refunds and cancelations (where applicable), the following ePayNYC Operators shall be responsible for transactions as below: - in respect of transactions available (Bank Card, GBP deposit/withdraw), ePayNYC 4. Futures Trading Unless otherwise specified by ePayNYC, to conduct Futures Trading, you must conclude with ePayNYC a separate ePayNYC Futures Service Agreement  and open a special Collateral Account, following the completion of registration and identity verification for your ePayNYC Account. You acknowledge and agree that: a. You fully understand the high risks of Futures Trading, including but not limited to the risk of major fluctuations of Digital Assets in Futures Trading, and the risk of exacerbated adverse outcome when leverage is used; b. You have sufficient investment knowledge and experience and the capacity to take risks arising from Futures Trading, and agree to independently assume all the risks arising from the investment of Futures Trading; c. Before performing Futures Trading, you have read and understood all the contents of the ePayNYC Futures Service Agreement and the relevant ePayNYC Platform Rules, and have consulted relevant professionals to make informed decisions on whether and how to complete Futures Trading according to their recommendations and your own reasonable judgment; d. You agree and authorize ePayNYC to take various reasonable measures in its discretion (including but not limited to forced liquidation and forced position reduction under specific circumstances) in accordance with the ePayNYC Futures Service Agreement and the relevant ePayNYC Platform Rules to protect the legitimate interests of you, ePayNYC and other Users. 5. Margins Trading Unless otherwise specified by ePayNYC, prior to conducting Margins Trading, you must open a special Collateral Account and/or complete other related procedures, following the completion of registration and identity verification for your ePayNYC Account. a. Risks of Margins Trading Margins Trading is highly risky. As a leveraged trader, you acknowledge and agree that you access and use Margins Trading and borrowing services at your own risk, which include but are not limited to:     The liquidity, market depth and dynamics of the trading market fluctuate violently and change rapidly. The use of leverage may work to your advantage or disadvantage, which may result in major gains or losses as the case may be.     You are not eligible to receive forked currencies split from any blockchain assets in your Collateral Account, even if you have not engaged in any Margins Trading or borrowing at all.     Loans carry risk, and the value of your blockchain assets may decline. If the value of your assets drops to a certain level, you are responsible for dealing with these market circumstances.     In some market situations, you may find it difficult or impossible to liquidate a position. This may occur, for example, as a result of insufficient market liquidity or technical issues on ePayNYC.     Placing contingent Orders does not necessarily limit your losses to the expected amount, as market conditions may prevent you from executing such orders.     Margins Trading does not have guaranteed measures against losses. As a borrower, you may suffer losses that exceed the amount you deposited into your Collateral Account. b. To start Margins Trading:     You represent and warrant that you are neither from the U.S. nor on any list of trade embargoes or economic sanctions, such as the Specially Designated National by OFAC (The Office of Foreign Assets Control of the U.S. Department of the Treasury).     You should fully understand the risks associated with Margins Trading and Lending, and be fully responsible for any trading and non-trading activities under your ePayNYC Account and Collateral Account. You should not engage in Transactions or invest in funds that are beyond your financial capacities;     You are fully responsible for knowing the true status of any position, even if ePayNYC may present it incorrectly at any time;     You agree to keep enough Digital Assets in your Collateral Account, as required by ePayNYC for Users’ engagement in Margins Trading, and promptly repay your loan in full. Failure to keep enough assets or to timely repay the outstanding loan may result in forced liquidation of the assets in your Collateral Account;     Even if with the ability to forcefully liquidate any position, ePayNYC cannot guarantee to stop losses. If your assets are insufficient to repay the outstanding loan after the liquidation of your position, you are still liable for any further shortfall of assets;     ePayNYC may take measures, in its discretion and on your behalf, to reduce your potential losses, including but not limited to, transferring assets from your Collateral Account into your ePayNYC Account and/or vice versa;     During ePayNYC system maintenance, you agree to be fully responsible for managing your Collateral Account under risks, including but not limited to, closing positions and repaying your loan.     You agree to conduct all Transactions, Margins Trading and/or borrowing on your own, and be fully responsible for your activities. ePayNYC assumes no liability for any loss or damage caused by your use of anyePayNYC services or your unawareness of the risks associated with the use of Digital Assets or with your use of ePayNYC Services. 6. Lending Services Unless otherwise provided by ePayNYC, to borrow currencies, you must conclude with ePayNYC a separate Lending Services User Agreement and open a special Collateral Account and/or finish other relevant procedures, following the completion of registration and identity verification for your ePayNYC Account. You understand and agree that: a. There are considerable risks involved in Lending Services, which include without limitation to risks of fluctuation of the borrowed Digital Assets’ value, derivative risks and technical risks. You shall carefully consider and exercise clear judgment to evaluate your financial situation and the aforesaid risks to make any decision on using Lending Services, and you shall be responsible for all losses arising therefrom; b. you shall cooperate to provide the information and materials related to identity verification and Lending Services as required by ePayNYC and be solely responsible for taking necessary security measures to protect the security of your Collateral Account and personal information; c. you shall carefully read relevant ePayNYC Platform Rules before using Lending Services, and be aware of, understand and observe the specific information and rules regarding the operations of Lending Services, and you undertake that the use of the assets borrowed shall conform to requirements of these Terms and related laws and regulations; d. ePayNYC has the full right to manage your Collateral Account and collateral during the period in which Lending Services are offered, and reserves the right, under the circumstances specified in the Lending Services User Agreement or these Terms, to implement various risk control measures, which include but are not limited to forced liquidation. Such steps may cause major losses to you and you shall be solely responsible for the outcomes of such measures; e. ePayNYC has the right to temporarily or permanently prohibit you from using Lending Services when it deems it necessary or reasonable, and to the maximum extent permitted by law, without liability of any kind to you. 7. ePayNYC Savings Service ePayNYC offers ePayNYC Savings, a service to provide Users with value-added services for their idle Digital Assets. To use ePayNYC Savings service, you must conclude with ePayNYC a separate ePayNYC Savings Service User Agreement  and open a special ePayNYC Savings service account, following the completion of registration and identity verification for your ePayNYC Account. When using ePayNYC Savings service, you should note that: a. ePayNYC Savings assets will be used in cryptocurrency leveraged borrowing and other businesses. b. When you use ePayNYC Savings service, you will unconditionally authorize ePayNYC to distribute and grant the leveraged interest according to ePayNYC Platform Rules. c. You shall abide by relevant laws and regulations to ensure that the sources of Digital Assets are legitimate and compliant when using ePayNYC Savings service. d. When you use ePayNYC Savings service, you should fully recognize the risks of investing in Digital Assets and operate cautiously. e. You agree that all investment operations conducted on ePayNYC represent your true investment intentions and that unconditionally accept the potential risks and benefits of your investment decisions. f. ePayNYC reserves the right to suspend or terminate ePayNYC Savings service. If necessary, ePayNYC can suspend and terminate ePayNYC Savings service at any time. g. Due to network delay, computer system failures and other force majeure, which may lead to delay, suspension, termination or deviation of execution of ePayNYC Savings service, ePayNYC will use reasonable effort to ensure but not promise that ePayNYC Savings service execution system runs stably and effectively. ePayNYC does not take any responsibility if the final execution fails to match your expectations due to the above factors. 8. Staking Programs ePayNYC  will from time to time launch Staking Programs for specific types of Digital Currencies to reward, as per certain rules, users who hold such Digital Currencies in their ePayNYC Accounts. When participating in Staking Programs, you should note that: a. Unless otherwise stipulated by ePayNYC, Staking Programs are free of charge and Users may trade during the staking period; b. ePayNYC does not guarantee Users’ proceeds under any Staking Program; c. ePayNYC has the right to initiate or terminate Staking Program for any Digital Currencies or modify rules on such programs in its sole discretion; d. Users shall ensure that sources of the Digital Currencies they hold in ePayNYC Accounts are legal and compliant and undertake to observe related laws and regulations. Otherwise, ePayNYC has the right to take necessary steps in accordance with these Terms or ePayNYC Platform Rules, including, without limitation, freezing ePayNYC Accounts or deducting the Digital Currencies awarded to Users who violate the rules of respective Staking Programs. IV. Liabilitys 1. Disclaimer of Warranties TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, ePayNYC SERVICES, ePayNYC MATERIALS AND ANY PRODUCT, SERVICE OR OTHER ITEM PROVIDED BY OR ON BEHALF OF ePayNYC ARE OFFERED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND ePayNYC EXPRESSLY DISCLAIMS, AND YOU WAIVE, ANY AND ALL OTHER WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT OR WARRANTIES ARISING FROM COURSE OF PERFORMANCE, COURSE OF DEALING OR USAGE IN TRADE. WITHOUT LIMITING THE FOREGOING, ePayNYC DOES NOT REPRESENT OR WARRANT THAT THE SITE, ePayNYC SERVICES OR ePayNYCMATERIALS ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ePayNYC DOES NOT GUARANTEE THAT ANY ORDER WILL BE EXECUTED, ACCEPTED, RECORDED OR REMAIN OPEN. EXCEPT FOR THE EXPRESS STATEMENTS, AGREEMENTS AND RULES SET FORTH IN THESE TERMS, YOU HEREBY ACKNOWLEDGE AND AGREE THAT YOU HAVE NOT RELIED UPON ANY OTHER STATEMENT OR AGREEMENT, WHETHER WRITTEN OR ORAL, WITH RESPECT TO YOUR USE AND ACCESS OF ePayNYC SERVICES. WITHOUT LIMITING THE FOREGOING, YOU HEREBY UNDERSTAND AND AGREE THAT ePayNYC WILL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES ARISING OUT OF OR RELATING TO: (A) ANY INACCURACY, DEFECT OR OMISSION OF DIGITAL ASSETS PRICE DATA, (B) ANY ERROR OR DELAY IN THE TRANSMISSION OF SUCH DATA, (C) INTERRUPTION IN ANY SUCH DATA, (D) REGULAR OR UNSCHEDULED MAINTENANCE CARRIED OUT BY ePayNYC AND SERVICE INTERRUPTION AND CHANGE RESULTING FROM SUCH MAINTENANCE, (E) ANY DAMAGES INCURRED BY OTHER USERS’ ACTIONS, OMISSIONS OR VIOLATION OF THESE TERMS, (F) ANY DAMAGE CAUSED BY ILLEGAL ACTIONS OF OTHER THIRD PARTIES OR ACTIONS WITHOUT AUTHORIZED BY ePayNYC; AND (G) OTHER EXEMPTIONS MENTIONED IN DISCLAIMERS AND PLATFORM RULES ISSUED BY ePayNYC. THE DISCLAIMER OF IMPLIED WARRANTIES CONTAINED HEREIN MAY NOT APPLY IF AND TO THE EXTENT IT IS PROHIBITED BY APPLICABLE LAW OF THE JURISDICTION IN WHICH YOU RESIDE. 2. Disclaimer of Damages and Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ePayNYC, ITS AFFILIATES AND THEIR RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTRACTORS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR SIMILAR DAMAGES OR LIABILITIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA, INFORMATION, REVENUE, PROFITS OR OTHER BUSINESSES OR FINANCIAL BENEFITS) ARISING OUT OF ePayNYC SERVICES, ANY PERFORMANCE OR NON-PERFORMANCE OF ePayNYC SERVICES, OR ANY OTHER PRODUCT, SERVICE OR OTHER ITEM PROVIDED BY OR ON BEHALF OF ePayNYC AND ITS AFFILIATES, WHETHER UNDER CONTRACT, STATUTE, STRICT LIABILITY OR OTHER THEORY EVEN IF ePayNYC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES EXCEPT TO THE EXTENT OF A FINAL JUDICIAL DETERMINATION THAT SUCH DAMAGES WERE A RESULT OF ePayNYC’S GROSS NEGLIGENCE, FRAUD, WILLFUL MISCONDUCT OR INTENTIONAL VIOLATION OF LAW. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. NOTWITHSTANDING THE FOREGOING, IN NO EVENT WILL THE LIABILITY OF ePayNYC, ITS AFFILIATES AND THEIR RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTRACTORS ARISING OUT OF SERVICES OFFERED BY OR ON BEHALF OF ePayNYC AND ITS AFFILIATES, ANY PERFORMANCE OR NON-PERFORMANCE OF ePayNYC SERVICES, OR ANY OTHER PRODUCT, SERVICE OR OTHER ITEM, WHETHER UNDER CONTRACT, STATUTE, STRICT LIABILITY OR OTHER THEORY, EXCEED THE AMOUNT OF THE FEES PAID BY YOU TO ePayNYC UNDER THESE TERMS IN THE TWELVE-MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY. 3. Indemnification You agree to indemnify and hold harmless ePayNYC Operators, their affiliates, contractors, licensors, and their respective directors, officers, employees and agents from and against any claims, actions, proceedings, investigations, demands, suits, costs, expenses and damages (including attorneys’ fees, fines or penalties imposed by any regulatory authority) arising out of or related to (i) your use of, or conduct in connection with, ePayNYC Services, (ii) your breach or our enforcement of these Terms, or (iii) your violation of any applicable law, regulation, or rights of any third party during your use of ePayNYC Services. If you are obligated to indemnify ePayNYC Operators, their affiliates, contractors, licensors, and their respective directors, officers, employees or agents pursuant to these Terms, ePayNYC will have the right, in its sole discretion, to control any action or proceeding and to determine whether ePayNYC wishes to settle, and if so, on what terms. V. Announcements Please be aware that all official announcements, news, promotions, competitions and airdrops will be listed on  .USERS UNDERTAKE TO REFER TO THESE MATERIALS REGULARLY AND PROMPTLY. ePayNYC WILL NOT BE HELD LIABLE OR RESPONSIBLE IN ANY MANNER OF COMPENSATION SHOULD USERS INCUR PERSONAL LOSSES ARISING FROM IGNORANCE OR NEGLIGENCE OF THE ANNOUNCEMENTS. VI. Termination of Agreement 1. Suspension of ePayNYC Accounts You agree that ePayNYC shall have the right to immediately suspend your ePayNYC Account (and any accounts beneficially owned by related entities or affiliates), freeze or lock the Digital Assets or funds in all such accounts, and suspend your access to ePayNYC for any reason including if ePayNYC suspects any such accounts to be in violation of these Terms, our Privacy Policy, or any applicable laws and regulations. You agree that ePayNYC shall not be liable to you for any permanent or temporary modification of your ePayNYC Account, or suspension or termination of your access to all or any portion of ePayNYC Services. ePayNYCshall reserve the right to keep and use the transaction data or other information related to such ePayNYC Accounts. The above account controls may also be applied in the following cases:     The ePayNYC Account is subject to a governmental proceeding, criminal investigation or other pending litigation;     We detect unusual activities in the ePayNYC Account;     We detect unauthorized access to the ePayNYCAccount;     We are required to do so by a court order or command by a regulatory/government authority. 2. Cancellation of ePayNYC Accounts In case of any of the following events, ePayNYC shall have the right to directly terminate these Terms by cancelling your ePayNYC Account, and shall enjoy the right but not the obligation to permanently freeze (cancel) the authorizations of your ePayNYC Account on ePayNYC and withdraw the corresponding ePayNYC Account thereof:     after ePayNYC terminates services to you;     you allegedly register or register in any other person’s name as a ePayNYC User again, directly or indirectly;     the information that you have provided is untruthful, inaccurate, outdated or incomplete;     when these Terms are amended, you state your unwillingness to accept the amended Terms by applying for cancellation of your ePayNYC Account or by other means;     you request that ePayNYC Services be terminated; and     any other circumstances where ePayNYC deems it should terminate ePayNYC Services. Should your ePayNYC Account be terminated, the account and transactional information that meet data retention standards will be securely stored for 5 years. In addition, if a transaction is unfinished during the account termination process, ePayNYC shall have the right to notify your counterparty of the situation at that time. You acknowledge that a user-initiated account exit (right to erasure under GDPR or other equivalent regulations) will also be subjected to the termination protocol stated above. If ePayNYC is informed that any Digital Assets or funds held in your ePayNYC Account are stolen or otherwise are not lawfully possessed by you, ePayNYC may, but has no obligation to, place an administrative hold on the affected funds and your ePayNYC Account. IfePayNYC does lay down an administrative hold on some or all of your funds or ePayNYCAccount, ePayNYC may continue such hold until such time as the dispute has been resolved and evidence of the resolution acceptable to ePayNYChas been provided to ePayNYC in a form acceptable to ePayNYC. ePayNYC will not involve itself in any such dispute or the resolution of the dispute. You agree that ePayNYC will have no liability or responsibility for any such hold, or for your inability to withdraw Digital Assets or funds or execute trades during the period of any such hold. 3. Remaining Funds After ePayNYC Account Termination Except as set forth in paragraph 4 below, once a ePayNYC Account is closed/withdrawn, all remaining account balance (which includes charges and liabilities owed to ePayNYC) will be payable immediately to ePayNYC. Upon payment of all outstanding charges to ePayNYC (if any), Users will have 5 business days to withdraw all Digital Assets or funds from the account. 4. Remaining Funds After ePayNYC Account Termination Due to Fraud, Violation of Law, or Violation of These Terms ePayNYC maintains full custody of the Digital Assets, funds and User data/information which may be turned over to governmental authorities in the event of ePayNYC Accounts’ suspension/closure arising from fraud investigations, investigations of violation of law or violation of these Terms. VII. No ePayNYC Advice ePayNYC is not your broker, intermediary, agent, or advisor and has no fiduciary relationship or obligation to you in connection with any trades or other decisions or activities effected by you using ePayNYC Services. No communication or information provided to you by ePayNYCe is intended as, or shall be considered or construed as, investment advice, financial advice, trading advice, or any other sort of advice. Unless otherwise specified in these Terms, all trades are executed automatically, based on the parameters of your order instructions and in accordance with posted trade execution procedures, and you are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you according to your personal investment objectives, financial circumstances and risk tolerance, and you shall be solely responsible for any loss or liability therefrom. You should consult legal or tax professionals regarding your specific situation. ePayNYC does not recommend that any Digital Asset should be bought, earned, sold, or held by you. Before making the decision to buy, sell or hold any Digital Asset, you should conduct your own due diligence and consult your financial advisors prior to making any investment decision. ePayNYC will not be held responsible for the decisions you make to buy, sell, or hold Digital Asset based on the information provided by ePayNYC. VIII. Compliance with Local Laws It is Users’ responsibility to abide by local laws in relation to the legal usage of ePayNYC Services in their local jurisdiction as well as other laws and regulations applicable to Users. Users must also factor, to the extent of their local laws all aspects of taxation, the withholding, collection, reporting and remittance to their appropriate tax authorities.ALL USERS OF ePayNYC SERVICES ACKNOWLEDGE AND DECLARE THAT THEIR FUNDS COME FROM LEGITIMATE SOURCES AND DO NOT ORIGINATE FROM ILLEGAL ACTIVITIES; USERS AGREE THAT ePayNYC WILL REQUIRE THEM TO PROVIDE OR OTHERWISE COLLECT THE NECESSARY INFORMATION AND MATERIALS AS PER RELEVANT LAWS OR GOVERNMENT ORDERS TO VERIFY THE LEGALITY OF THE SOURCES AND USE OF THEIR FUNDS.ePayNYC maintains a stance of cooperation with law enforcement authorities globally and will not hesitate to seize, freeze, terminate Users’ accounts and funds which are flagged out or investigated by legal mandate. IX. Privacy Policy Access to ePayNYC Services will require the submission of certain personally identifiable information. Please review ePayNYC’s Privacy Policy at  https://www.ePayNYC.com/en/privacy for a summary of ePayNYC’s guidelines regarding the collection and use of personally identifiable information. X. Resolving Disputes: Forum, Arbitration, Class Action Waiver PLEASE READ THIS SECTION CAREFULLY, AS IT INVOLVES A WAIVER OF CERTAIN RIGHTS TO BRING LEGAL PROCEEDINGS, INCLUDING AS A CLASS ACTION. 1. Notice of Claim and Dispute Resolution Period. Please contact ePayNYC first! ePayNYC wants to address your concerns without resorting to formal legal proceedings, if possible. If you have a dispute with ePayNYC, then you should contact ePayNYC and a ticket number will be assigned. ePayNYC will attempt to resolve your dispute internally as soon as possible. The parties agree to negotiate in good faith to resolve the dispute (which discussions shall remain confidential and be subject to applicable rules protecting settlement discussions from use as evidence in any legal proceeding). In the event the dispute cannot be resolved satisfactorily, and you wish to assert a legal claim against ePayNYC, then you agree to set forth the basis of such claim in writing in a “Notice of Claim,” as a form of prior notice to ePayNYC. The Notice of Claim must (1) describe the nature and basis of the claim or dispute, (2) set forth the specific relief sought, (3) provide the original ticket number, and (4) include your ePayNYC account email. The Notice of Claim should be submitted to an email address or hyperlink provided in your correspondence with ePayNYC. After you have provided the Notice of Claim to ePayNYC, the dispute referenced in the Notice of Claim may be submitted by either Binance or you to arbitration in accordance with paragraph 2 of this Section, below. For the avoidance of doubt, the submission of a dispute to ePayNYC for resolution internally and the delivery of a Notice of Claim to ePayNYC are prerequisites to commencement of an arbitration proceeding (or any other legal proceeding). During the arbitration, the amount of any settlement offer made by you or ePayNYC shall not be disclosed to the arbitrator. 2. Agreement to Arbitrate and Governing Law. You and ePayNYC Operators agree that, subject to paragraph 1 above, any dispute, claim, or controversy between you and ePayNYC (and/or ePayNYC Operators) arising in connection with or relating in any way to these Terms or to your relationship with BePayNYC (and/or ePayNYC Operators) as a user of ePayNYC Services (whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether the claims arise during or after the termination of these Terms) will be determined by mandatory final and binding individual (not class) arbitration, except as set forth below under Exceptions to Agreement to Arbitrate. You and ePayNYC Operators further agree that the arbitrator shall have the exclusive power to rule on his or her own jurisdiction, including without limitation any objections with respect to the existence, scope or validity of the Agreement to Arbitrate, or to the arbitrability of any claim or counterclaim. Arbitration is more informal than a lawsuit in court. THERE IS NO JUDGE OR JURY IN ARBITRATION, AND COURT REVIEW OF AN ARBITRATION AWARD IS LIMITED. There may be more limited discovery than in court. The arbitrator must follow this agreement and can award the same damages and relief as a court (including, if applicable, attorney fees), except that the arbitrator may not award declaratory or injunctive relief in favour of anyone but the parties to the arbitration. The arbitration provisions set forth in this Section will survive termination of these Terms. Arbitration Rules. The arbitration shall be subject to the HKIAC Administered Arbitration Rules (HKIAC. Rules) in force when the Notice of Arbitration is submitted, as modified by this Section X. The arbitration will be administered by the Hong Kong International Arbitration Centre (HKIAC). Unless the parties agree otherwise, there shall be only one arbitrator appointed in accordance with the HKIAC Rules. Any arbitration will be conducted in the English language. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. JUDGMENT ON ANY ARBITRAL AWARD MAY BE GIVEN IN ANY COURT HAVING JURISDICTION OVER THE PARTY (OR OVER THE ASSETS OF THE PARTY) AGAINST WHOM SUCH AN AWARD IS RENDERED. Time for Filing: ANY ARBITRATION AGAINST ePayNYC OPERATORS MUST BE COMMENCED BY FILING A REQUEST FOR ARBITRATION WITHIN ONE (1) YEAR, AFTER THE DATE THE PARTY ASSERTING THE CLAIM FIRST KNOWS OR REASONABLY SHOULD KNOW OF THE ACT, OMISSION OR DEFAULT GIVING RISE TO THE CLAIM; AND THERE SHALL BE NO RIGHT TO ANY REMEDY FOR ANY CLAIM NOT ASSERTED WITHIN THAT TIME PERIOD. THIS ONE YEAR LIMITATION PERIOD IS INCLUSIVE OF THE INTERNAL DISPUTE RESOLUTION PROCEDURE SET FORTH IN PARAGRAPH 1 OF THIS SECTION, ABOVE. THERE SHALL BE NO RIGHT TO ANY REMEDY FOR ANY CLAIM NOT ASSERTED WITHIN THAT TIME PERIOD. If applicable law prohibits a one-year limitation period for asserting claims, any claim must be asserted within the shortest time period permitted by applicable law. Process; Notice: The party who intends to seek arbitration after the expiration of the Dispute Resolution Period set forth in paragraph 1, above, must submit a request to the HKIAC in accordance with the HKIAC Rules. If we request arbitration against you, we will give you notice at the email address or mailing address you have provided. You agree that any notice sent to this email or mailing address shall be deemed effective for all purposes, including without limitation to determinations of adequacy of service. It is your obligation to ensure that the email address and/or mailing address on file with ePayNYC is up-to-date and accurate. Seat of Arbitration: The seat of the arbitration shall be Hong Kong. Place of Hearing: The location of any in-person arbitration hearing shall be Hong Kong, unless otherwise agreed to by the parties. Governing Law: These Terms (including this arbitration agreement) shall be governed by, and construed in accordance with, the laws of Hong Kong. Confidentiality. The parties agree that the arbitration shall be kept confidential. The existence of the arbitration, any nonpublic information provided in the arbitration, and any submissions, orders or awards made in the arbitration (together, the “Confidential Information”) shall not be disclosed to any non-party except the tribunal, the HKIAC, the parties, their counsel, experts, witnesses, accountants and auditors, insurers and reinsurers, and any other person necessary to the conduct of the arbitration. Notwithstanding the foregoing, a party may disclose Confidential Information to the extent that disclosure may be required to fulfill a legal duty, protect or pursue a legal right, or enforce or challenge an award in bona fide legal proceedings. This confidentiality provision shall survive termination of these Terms and of any arbitration brought pursuant to these Terms. 3. Class Action Waiver. You and Binance agree that any claims relating to these Terms or to your relationship with Binance as a user of Binance Services (whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether the claims arise during or after the termination of these Terms) shall be brought against the other party in an arbitration on an individual basis only and not as a plaintiff or class member in a purported class or representative action. You and Binance further agree to waive any right for such claims to be brought, heard, or arbitrated as a class, collective, representative, or private attorney general action, to the extent permissible by applicable law. Combining or consolidating individual arbitrations into a single arbitration is not permitted without the consent of all parties, including Binance. 4. Modifications. ePayNYC reserves the right to update, modify, revise, suspend, or make any future changes to Section X regarding the parties’ Agreement to Arbitrate, subject to applicable law. You hereby consent and agree that it is your responsibility to ensure that your understanding of this Section is up to date. Subject to the applicable law, your continued use of your ePayNYC account shall be deemed to be your acceptance of any modifications to Section X regarding the parties’ Agreement to Arbitrate. You agree that if you object to the modifications to Section X, ePayNYC may block access to your account pending closure of your account. In such circumstances, the Terms of Use prior to modification shall remain in full force and effect pending closure of your account. 5. Severability. If any portion of these Terms are adjudged to be invalid or unenforceable for any reason or to any extent, the remainder of these Terms will remain valid and enforceable and the invalid or unenforceable portion will be given effect to the greatest extent permitted by law. pending closure of your account. XI. Miscellaneous 1. Independent Parties. ePayNYC is an independent contractor but not an agent of you in the performance of these Terms. These Terms shall not be interpreted as facts or evidence of an association, joint venture, partnership, or franchise between the parties. 2. Entire Agreement. These Terms constitute the entire agreement between the parties regarding use of ePayNYC Services and will supersede all prior written or oral agreements between the parties. No usage of trade or other regular practice or method of dealing between the parties will be used to modify, interpret, supplement, or alter the terms herein. 3. Interpretation and Revision. ePayNYC reserves the right to alter, revise, modify, and/or change these Terms at any time. All changes will take effect immediately upon being published on ePayNYC websites. It is your responsibility to regularly check relevant pages on our websites/applications to confirm the latest version of these Terms. If you do not agree to any such modifications, your only remedy is to terminate your usage of Binance Services and cancel your account. You agree that, unless otherwise expressly provided in these Terms, ePayNYC will not be responsible for any modification or termination of ePayNYC Services by you or any third party, or suspension or termination of your access to ePayNYC Services. 4. Force Majeure. ePayNYC will not be liable for any delay or failure to perform as required by these Terms because of any cause or condition beyond ePayNYC’s reasonable control. 5. Severability. If any portion of these Terms is held invalid or unenforceable, such invalidity or enforceability will not affect the other provisions of these Terms, which will remain in full force and effect, and the invalid or unenforceable portion will be given effect to the greatest extent possible. 6. Assignment. You may not assign or transfer any right to use ePayNYC Services or any of your rights or obligations under these Terms without prior written consent from ePayNYC, including any right or obligation related to the enforcement of laws or the change of control. ePayNYC may assign or transfer any or all of its rights or obligations under these Terms, in whole or in part, without notice or obtaining your consent or approval. 7. Waiver. The failure of one party to require performance of any provision will not affect that party’s right to require performance at any time thereafter. At the same time, the waiver of one party to seek recovery for the other party’s violation of these Terms or any provision of applicable terms shall not constitute a waiver by that party of any subsequent breach or violation by the other party or of the provision itself. 8. Third-Party Website Disclaimer. Any links to third-party websites from ePayNYC Services does not imply endorsement by ePayNYC of any product, service, information or disclaimer presented therein, nor does ePayNYC guarantee the accuracy of the information contained on them. If you suffer loss from using such third-party product and service, ePayNYC will not be liable for such loss. In addition, since ePayNYC has no control over the terms of use or privacy policies of third-party websites, you should read and understand those policies carefully. 9. Matters Related to Apple Inc. If you use any device manufactured by Apple Inc. to participate in any commercial activities or reward programs through ePayNYC Services, such activities and programs are provided by ePayNYC and are not associated with Apple Inc. in any manner. 10. Contact Information. For more information on ePayNYC, you may refer to the company and license information found on BePayNYC websites. If you have questions regarding these Terms, please feel free to contact ePayNYC for clarification via our Customer Support team at  sales@ePayNYC.com