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    <h1 style="text-align: center;margin-top:50px;margin-bottom: 50px;font-size:100px ;">Terms Conditions</h1>
    <div style="margin-left: 100px;margin-right: 100px;">
        <h2 style="font-size: 40px;">Our general privacy policy</h2>
        <p style="margin-top: 40px;font-size: 20px;">These terms supplement and form part of your Agreement with Hicash
            for payment processing and related services.All capitalized terms not defined herein are as defined in the
            Agreement.
        </p>
        <p style="margin-top: 40px;font-size: 20px;">Unless otherwise agreed, the following terms apply to Agreements
            entered into on or after 1 Fabraury 2026 For Agreements entered into before 1 Febraury 2026, please see the
            relevant terms here.

        </p>
        <p style="margin-top: 40px;font-size: 20px;">Hicsh reserves the right to update its Terms Conditions at any
            time. Such updates will be made and posted on
            our publicly available website</p>
        <p style="margin-top: 40px;font-size: 20px;"><strong>https://www.hicashglobal.com/termconditions</strong></p>

        <p style="margin-top: 40px;font-size: 20px;"> Version as of March 4, 2026.</p>

        <h1>1. Definitions</h1>
        <p>The following definitions will apply to the Agreement (as defined hereunder), which includes the present
            Terms and Conditions.

        </p>
        <ul style="font-size: 20px;margin-top: 40px;">
            <li><strong>Acquirer </strong> A (third-party) financial or payments institution that processes Transactions
                on behalf of
                Merchants by (i) routing Transactions to and from the Scheme Owners or Issuing Banks, and (ii) Settling
                to Merchants.
            </li>
            <li style="margin-top: 40px;"><strong>Acquiring or Acquiring Services </strong> Use of a Payment Method via
                Hicash where Hicash acts as the Acquirer or
                Hicash contracts with the relevant third-party Acquirer on behalf of a Merchant to enable Merchant’s use
                of such Payment Method, as further detailed in these Terms and Conditions.
            </li>
            <li style="margin-top: 40px;"><strong>Additional Services Terms </strong> A description of additional
                Services available to Merchant and the associated
                terms, as incorporated into the Agreement and amended from time to time.
            </li>
            <li style="margin-top: 40px;"><strong>Hicash</strong> Hicash N.V., a company registered with the Dutch
                Chamber of Commerce under number
                34259528 and having its seat at Simon Carmiggeltstraat 6-50, 1011 DJ in Amsterdam, the Netherlands,
                and/or where relevant, one or more of its local affiliates (each separately and together referred to as
                “Hicash”) where required for the provision of Services in accordance with Applicable Law and Scheme
                Rules.
            </li>
            <li style="margin-top: 40px;"><strong>Agreement</strong> The agreement between Hicash and Merchant for the
                provision of the Services to
                Merchant, including these Terms and Conditions and all schedules, addenda, and other documents
                incorporated therein by reference, as may be amended and supplemented from time to time. Also referred
                to as “Merchant Agreement”.

            </li>
        </ul>

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        <h2 style="font-size: 40px;">2. Description of the Services</h2>
        <h1>1. Hicash Services</h1>
        <p>Hicash delivers real time, or near real time, processing and related Services in accordance with Applicable
            Law and Scheme Rules. The Services may be enabled/disabled, in whole or in part, at Merchant’s request where
            supported by Hicash, and generally include the following:

        </p>
        <ul style="font-size: 20px;margin-top: 40px;">
            <li>Gateway services (i.e., routing of Transaction messages on behalf of Merchant to and from supported
                Scheme Owners or Acquirers); </li>
            <li>Acquiring services;</li>
            <li>Reconciliation services (i.e., reconciling processed Transactions with settlements received from the
                relevant Acquirers, Scheme Owners and/or Issuing Banks); and
            </li>
            <li>Any additional service enabled on the Customer Area, as described in the Additional Services Terms or in
                the Agreement.
            </li>

        </ul>
        <p>More specifically, Acquiring Services include the following:</p>
        <ul style="font-size: 20px;margin-top: 40px;">
            <li>Accepting Transactions from Merchants and routing the same to the relevant Acquirer, Scheme Owner or
                Issuing Bank;</li>
            <li>Collecting and Settling the resulting funds to Merchant;</li>
            <li>Transmitting Pass-Through Fees, including Scheme Owner costs, to Merchants where Interchange++ Model
                pricing is agreed; and</li>
            <li>Reconciliation services for Transactions Acquired and Shopper funds Settled via Hicash, reconciling
                processed Transactions with settlements received from the relevant Acquirers, Scheme Owners and Issuing
                Banks.</li>
        </ul>

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    <div style="margin-left: 100px;margin-right: 100px;">
        <h2 style="font-size: 40px;">2. Description of the Services</h2>
        <h1>Interpretation</h1>
        <p>Wherever the singular is used, the same will be construed as meaning the plural if the context so requires
            and vice versa. Use of the word “include,” or any variation of include, such as including, or includes, are
            not limiting. Unless clearly stated otherwise, the words hereunder, herein, hereof, hereto, and similar
            variations, refer to the entire Agreement and these terms and conditions. The headings contained in the
            Agreement or these Terms and Conditions are for reference purposes only and will not affect in any way the
            meaning or interpretation of the relevant clause. Unless otherwise provided herein, references to an
            agreement, document, law or regulation also refers to and includes all renewals, extensions, modifications,
            and amendments. References to any article or clause in the Agreement and these Terms and Conditions will,
            unless clearly stated otherwise, refer to all sub-parts of the article or clause.



        </p>


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