Programa Cookie Policy

Last Updated: August 25, 2024

Information about how Programa uses Cookies

This policy describes how Programa uses cookies. We use cookies and similar tracking technologies on our website and when providing our services. The purpose of this policy is to provide you, a user of Programa's services, with clear information about the purposes for which Programa uses cookies and the choices you have when it comes to managing your cookie settings. We encourage you to read it carefully.

What are cookies?

Cookies are small pieces of text which are downloaded to your device, for example, when you visit a website. Cookies are useful because they allow Programa and our partners to uniquely recognise your device and support the continuity of your experience, for example by helping us to understand your preferences or past actions. You can find more general information about cookies here: https://allaboutcookies.org/

How do we use cookies?

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improving your user experience. They can also help to ensure that ads you see online are more relevant to you and your interests. Programa uses two main categories of cookies:

Strictly Necessary Cookies

These cookies are set by Programa or a third party on our behalf, and are essential to enable you to use the features of our Services, such as technically delivering content or product experiences, setting your privacy preferences, logging in, making payments or filling in forms. Without these cookies, our Services cannot be provided so you cannot decline them.

Optional Cookies

Optional cookies may be 'first party cookies' or 'third party cookies'. First party cookies set directly by Programa or by a third party at our request. Third party cookies are set directly by a third party or set by Programa at the request of a third party, such as our analytics or advertising service providers.

Cookie Type	Purpose
Strictly Necessary Cookies	These cookies are essential in order to enable you to use the features of our Services, such as technically delivering content, setting your privacy preferences, logging in, making payments or filling in forms. Without these cookies, our Services cannot be provided so you cannot decline them.
Performance Cookies	Programa is dedicated to optimising your user experience and we use many tools to help us improve our website and your experience in using Programa. To this end, we use reporting and analytics cookies to collect information about how and when you use our website and platform services. These cookies collect information about how visitors use our Services. For example, these cookies allow us to count visits to our website and to understand how visitors found the website. Web analytics that use cookies to gather data to enhance the performance of a website fall into this category. For example, they may be used for testing designs and ensuring a consistent look and feel is maintained for the user. We may also obtain information from our email or other communications we send to you, including whether you opened or forwarded or clicked on any of its content. This information tells us about our communication effectiveness and helps us ensure that we're delivering information that you find interesting. This category does not include cookies used for behavioural or interest-based targeted advertising networks.
Functional Cookies	These cookies allow our Services to remember choices you make such as your user name or the region you are in. They help us to provide you with enhanced or personal features and content. For example, these cookies can be used to remember changes you have made to parts of web pages that you can customise. These cookies remember choices you make to improve your experience. If you do not allow these cookies then some of the choices you have made on previous visits to our Services will not be saved.
Targeting or advertising Cookies	These cookies collect information about your browsing habits in order to deliver advertisements more relevant to you and to understand your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertisements Programa shares. These cookies log that you have visited a website and this information may be shared with other organisations such as advertisers. Additionally, Programa may share limited data with other platforms to market Programa on or via those other platforms. If you do not allow these cookies you will still experience advertising but it will be less tailored to you.

Options for managing cookies and interest-based ads

Web Browser Settings

You can control and manage cookies in various ways. To do this, follow the instructions provided by your browser. Please note that if you set your browser to refuse cookies, you may not be able to use all the features of the Programa website. This can negatively impact your user experience and parts of our website may no longer be fully accessible.

Mobile Identifiers

On your mobile device, your operating system may provide you with additional options to opt out of interest based advertising or to otherwise reset your mobile identifiers. For example, you may use the 'Allow Apps to Request to Track' setting (on iOS devices) or the 'Opt out of Interest-Based Ads' setting (on Android devices). These settings allow you to limit the use of information about your use of apps for purposes of serving ads tailored to your interests.

Interest-Based Advertising

If you opt-out of receiving interest-based ads, Programa will not share your information with third party advertising partners or use information received by them to show you interest-based ads. You may still receive ads when using the Services based on your Programa registration information and your real-time usage of Programa, but the ads may be less relevant to you. Certain tailored advertisements that we, or a service provider acting on our behalf, display to you may include the 'Ad Choices' icon or another mechanism to opt out of receiving interest-based advertisements. You may visit www.aboutads.info to:

learn more about the collection and use of information about your online activities for interest based advertising; or
opt out of having your data used for interest based advertising by Digital Advertising Alliance (DAA) participating companies.

Updates to this Policy

We may occasionally make changes to this policy. When we make material changes to this policy, we'll provide you with prominent notice as appropriate under the circumstances. For example, we may display a prominent notice within the Programa Services or send you an email.

How to contact us

If you have any questions about this Cookie Policy, please contact us at support@programa.com.au or by exploring our Help Centre.

Programa Cookie Policy

Information about the Programa In App Payment Services

Welcome to Programa!

By signing up for Programa In App Payment Services or by using any Programa In App Payment Services, you are agreeing to be bound by the following terms and conditions (the “Programa Payments Terms”). As used in these Programa Payments Terms “we”, “us”, “our” and “Programa” means the applicable Programa Contracting Party as per the Programa Terms of Service. The terms described herein constitute a legal agreement (“Agreement” or “Programa Payments Terms”) between you (if your business is a sole proprietorship) or your business (if you are signing up on behalf of a corporation or other legal entity) (the “Merchant”, “you” or “your”) and Programa. This agreement concerns your access to and use of the https://Programa.com/ or https://Programa.design/ websites as well as any other application, product(s), media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”).

Please read the full Programa Payments Terms, including any document referred within, for the complete picture of your legal requirements. By using the Site or any of our services, you are agreeing to these terms. Our full terms and conditions can be found within the Programa Terms of Service. Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Programa Payments Terms from time to time. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Programa Payments Terms by your continued use of the Site after the date such revised Programa Payments Terms are posted.

The Programa Payments Service

Our RoleThe Programa Payments Service (“Programa In App Payments” or the “Payments Services”) is a facilitator for payment account onboarding and payment data transmission service that helps you integrate with a payment processor (each a “Processor”), as described more fully in this Agreement. You hereby appoint us as your agent to deliver information and instructions on your behalf to a Processor.Under the separate Programa Terms of Service, we provide you the suite of Programa Platform Services. The Programa Terms of Service are incorporated herein by reference and by accepting this Agreement you are also accepting them.Programa is not a bank, payment institution, or money services business. We are instead, respectively, a supplier of the Programa Platform Services supplied under the Programa Terms of Service and of the Payments Services under this Agreement.

The Processor The Processor under this Agreement is Stripe https://stripe.com/ which is a technical services provider and who may offer the services as an agent of one or more financial institutions in particular regions (each, a “Financial Services Provider”). The processing and settlement of Transactions (as defined below) (“Payment Processing”) is carried out by a Processor and any of its Financial Services Providers under the separate terms of service listed below. Programa, in its sole and absolute discretion, reserves the right to determine the Processor that shall perform Payment Processing services for each Transaction. Where Stripe is the Processor, Payment Processing is subject to the Stripe Connected Account Agreement, including the United States Stripe Services Agreement and the applicable Financial Services Terms, and to the extent you use a payment method that is subject to additional terms, the Payment Method Terms (collectively, the “Stripe Terms”). By accepting this Agreement, you are also accepting and agreeing to be bound by all of the Processor Terms, which, in each case, is the legal agreement between you and the applicable Processor.Programa is not a party to any of the Processor Terms and is not liable to you in respect thereof. By accepting this Agreement and the Processor Terms you are agreeing to the creation of an account with each Processor for Payment Processing (each a “Processor Account”). We reserve the right to change the Processors, subject to the terms of our agreement with each Processor. In the event of any inconsistency between this Agreement and any of the Processor Terms, this Agreement shall prevail, except in the event of any inconsistency between this Agreement and the relevant Processor Terms concerning Payment Processing or the Processor Account, in which case the applicable Processor Terms shall prevail.The Processor’s role is to accept and process credit card, debit card and other types of payments (collectively “Cards”) with respect to sales of your products and services through internet-based Transactions (“Card Not Present Transactions" or “CNP Transactions”) -referred to collectively, as “Transactions”.

Your Access to the ServiceTo use the Payments Services, you must be a business located in a market or region which is made available for service by the Processor. You must meet the Processor’s compliance standards during signup and onboarding to be approved to access and use the service.

The Payments Services Programa hereby grants you a non-exclusive, non-transferable, non-sublicensable, limited, revocable right to use the Payments Services (the “Licence”). The Licence shall be for the term of this Agreement only. Neither the Licence nor any other provision hereof shall grant any rights in the Payments Services or other intellectual property rights except the limited Licence of use set out above.You shall not: (i) permit any third party to access the Payments Services, including, but not limited to, your Programa Admin on our website (the “Programa Admin”), except as permitted herein, and to carry out Transactions; (ii) create derivative works based on the Payments Services; (iii) copy, frame or mirror any part of the content of the Payments Services, other than copying or framing for your internal business purposes; (iv) reverse engineer, disassemble, decompile, or otherwise attempt to discover the source code or trade secrets for any of the Payments Services; or, (v) access the Payments Services in order to build a competitive product or service.It is your responsibility to obtain your customers’ consent to be billed for each Transaction or, as the case may be, on a recurring basis, in compliance with applicable legal requirements and Visa Europe Ltd., Visa U.S.A., Inc., Visa Canada Inc. and Visa International (collectively, “Visa”), MasterCard International Incorporated (“MasterCard”), American Express or other applicable Card networks’ (such networks being, collectively, the “Payment Networks”) payment rules (the “Payment Network Rules”).

Payment Methods The Payments Services support most Payment Network Cards. You assume sole and exclusive responsibility for the use of the Payments Services. You also assume sole and exclusive responsibility for Transactions under the Processor Terms. You are solely responsible for verifying the identity of customers and of the eligibility of a presented Card used to purchase your products and services, and Programa does not guarantee or assume any liability for Transactions authorised and completed that may later be reversed or charged back (see section Processing Card Transactions and Receiving Your Funds below). You are solely responsible for all reversed or charged back Transactions regardless of the reason for, or timing of the reversal or chargeback. Programa or the Processor may add or remove one or more types of Payment Networks or Cards, in their sole discretion, at any time, without prior notice to you.

Customer Service Programa will use its commercially reasonable efforts to provide you with customer support to help resolve issues relating to the Payments Services. The Processor retains sole and exclusive responsibility for Payment Processing of Transactions, including the settlement of funds, but Programa will provide reasonable assistance in liaising between you and the relevant Processor concerning the Payment Processing services. You assume sole and exclusive responsibility for providing customer service or support to your customers for any and all issues related to your products and services, including, but not limited to, issues arising from the processing of Cards through the Payments Services.

Taxes You have sole and exclusive responsibility to determine what, if any, taxes apply to the sale of your goods and services and/or the payments you receive in connection with your use of the Payments Services ("Taxes"). It is solely your responsibility to assess, collect, report, or remit the correct Taxes to the proper tax authority, whether in customers’ jurisdictions, your jurisdiction or elsewhere. We are not obligated to, nor will we, determine whether Taxes apply, or calculate, collect, report, or remit any Taxes to any tax authority, arising from any Transaction. Programa retains the right, but not the obligation, at its sole discretion, to complete and file tax or related reports with tax authorities regarding Transactions in those jurisdictions where Programa deems such reporting necessary. You hereby indemnify and hold Programa harmless from and against any and all liability related to Taxes and filings made by Programa in respect thereof. You agree to receive all federal and state tax statements in an electronic format and acknowledge that paper tax statements will not be provided. An electronic statement will be available in your Programa Admin or emailing it to the email address listed in your Programa Account. In the event you withdraw consent with the Programa Terms of Service and/or these terms, you will receive all electronic tax-related statements for the duration of time the agreement was authorised.

Your CustomersIf prohibited by law, you will not impose any fee or surcharge on a customer that seeks to use an eligible Card. You will provide an informational slip or receipt to your customer at the conclusion of the Transaction that includes all information required under Payment Network Rules and applicable law.

Security We maintain commercially reasonable administrative, technical and physical procedures to protect all the personal information regarding you and your customers that is stored in our servers from unauthorised access, accidental loss, or modification. Programa cannot, however, guarantee that unauthorised third parties will never be able to defeat those measures or use such personal information for improper purposes.

Data Security You assume full responsibility for the security of data on your website or otherwise in your possession or control. You agree to comply with all applicable laws and rules in connection with your collection, security, and dissemination of any personal, financial, Card, or Transaction information (collectively, “Data", and as pertains to your customers, “Cardholder Data”). You agree that at all times you shall be compliant with applicable Payment Card Industry Data Security Standards (“PCI-DSS”) and, as applicable, the Payment Application Data Security Standards (“PA-DSS”). You agree to promptly provide Programa with documentation evidencing your compliance with PCI-DSS and/or PA-DSS upon request. You also agree that you will use only PCI-DSS and PA-DSS compliant service providers in connection with the storage or transmission of Card information, including a cardholder’s account number, expiration date, and CVV2. You must not store CVV2 data at any time. Information on PCI-DSS can be found on the PCI Council’s website. It is your responsibility to comply with these standards and all the Payment Network Rules. We may request additional security measures at any time and reserve the right to adjust these requirements at our discretion.

Audit Right If Programa believes that a security breach, personal data breach, or other compromise of data may have occurred, Programa may require you to have a third-party auditor that is approved by Programa conduct a security audit of your systems and facilities and issue a report to be provided to Programa and, at Programa’s discretion, to the Processor, its Financial Services Provider(s), Payment Networks, and law enforcement, at your sole cost and expense.

Privacy Your privacy and the protection of your data are very important to us. You acknowledge that you have received, read in full, and agree with the terms of our Privacy Policy, our Data Processing Addendum, and the Processor’s Privacy Policy. Our Privacy Policy and Data Processing Addendum are hereby incorporated into this Agreement. Programa’s Privacy Policy and the Processor’s Privacy Policy contain important information about the collection, use, retention, and disclosure of personal information, as well as other important matters, and explains how and for what purposes we and the Processor collect, use, retain, disclose and safeguard the information you provide to us. You agree that Programa’s Privacy Policy and the Processor’s Privacy Policy may be modified at Programa’s or the Processor’s option, if necessary, and you will check each Privacy Policy on a regular basis. You also acknowledge that the Processors are required to report your business name and the name of your principals to the Member Alert to Control High-Risk merchants list of MasterCard (“MATCH List”) maintained by MasterCard and accessed and updated by American Express, to the VMAS database upheld by Visa Europe, and/or to the Consortium Merchant Negative File maintained by Discover, if applicable, pursuant to the requirements of the Payment Network Rules. Additionally, you agree that Programa’s collection, use, retention, and disclosure of personal information is subject to our Data Processing Addendum.We will at all times comply with the provisions of applicable data protection law, as applicable. If we process any of your personal data when performing our obligations under this Agreement, we will do so as a “data controller”. If we process any Cardholder Data on your behalf, we and you both agree that it is our intention that you shall be the “data controller” and we shall be the “data processor” in relation to that data. We shall process the personal data only in accordance with the terms of this Agreement and any lawful instructions reasonably given by you to us from time to time. Additionally, you acknowledge that the Processor acts as a “data controller”, or as otherwise agreed between you and the Processor, with regards to any personal data that they may process under this Agreement and that we are not responsible for how they process such data.We will notify you (within a reasonable time frame) if we receive a request from a person to have access to, or to erase that person’s personal data, a complaint or request relating to your obligations under applicable data protection legislation, or any other communication relating directly to the processing of any personal data in connection with this Agreement. You acknowledge that such requests may be subject to independent legal retention or confidentiality requirements.We will provide you with reasonable cooperation and assistance in relation to any complaint or request made in respect of any personal data processed by us on your behalf, including by providing you with details of the complaint or request, helping you to comply with any data subject access requests (within the relevant timescales set out in applicable data protection legislation), and providing you with any personal data we hold in relation to a person making a complaint or request (again, within a reasonable timescale).You acknowledge that we are relying on you for direction as to the extent to which we are entitled to use and process the personal data in the Cardholder Data that you provide us with. Consequently, we will not be liable for any claim brought by a data subject arising from any action or omission by us, to the extent that such action or omission resulted from your instruction.You consent to the exchange of your information between the account(s) you have established through the Programa Platform Services and the Payments Services established under this Agreement. Programa will commingle such accounts and refer to them together in this Agreement as the “Programa Payments Account”.Where Programa Payments process Transactions on your behalf on a third party sales channel, you agree and consent to Programa sharing or disclosing your data (including personal information) with the operator of the third party sales channel in the context of a data breach or audit, if Programa is required to do in connection with its performance of the Payments Services.As part of providing the Payments Services, some personal data may be transferred to other regions. Additionally, in order to process, use, record, and disclose your personal information, information related to your business, and Data, we or our agents may transfer such information to and receive it from the Processor, its Financial Services Provider(s), or their respective agents and, in so doing, we may transmit or possess it outside of your jurisdiction.Additionally, in order to provide the Payments Services, we use a variety of third party “sub-processors” that fall into many broad categories—for example, we use sub-processors to help us: (i) protect you and Programa from potentially risky Transactions, security threats, or fraud; (ii) perform administrative tasks; (iii) deliver portions of the Payments Services; (iv) develop and improve our products and the Payments Services; (v) generate analytics or other information relating to the Payments Services; and, (vi) build our technical infrastructure (e.g., using cloud storage providers or information security vendors). By using the Payments Services, you consent to our use of sub-processors, which is described in more detail in our Privacy Policy.

Privacy of Others You represent to us that you are in compliance with all applicable privacy laws and that you maintain a publicly accessible privacy policy that accurately discloses how you collect, use, and disclose personal data, including through the Payments Services. Additionally, you represent to us that you have obtained all necessary rights and consents under applicable law to allow us and the Processor to collect, use, retain, and disclose any Cardholder Data that you provide to, or authorise us to collect, including information that we may collect directly from you of your customers via cookies or other means and to use that data to provide the Payments Services (e.g., to process Transactions and to screen for fraud or compliance purposes).Further, you represent that we will not be in breach of any such laws by collecting, receiving, using, and disclosing such information in connection with the Payments Services as described in our Privacy Policy. As between the parties to this Agreement, you are solely responsible for disclosing to your customers that we will collect and process their Cardholder Data in our supply of the Payments Services to you, and that in so doing we may transmit or possess it outside of your or their jurisdiction, and that it may be subject to disclosure as required by applicable law.If you receive information about others, including cardholders and other customers, through the use of the Payments Services, you must keep such information confidential and only use it in connection with the Payments Services or as otherwise permitted by the subject of such information.You may not disclose or distribute any such information to a third party or use any such information for marketing purposes unless you receive the express consent of the subject thereof to do so. You may not disclose Cardholder Data to any third party other than in connection with processing a Transaction requested by your customer.

Restricted Use You are required to obey all laws, rules, and regulations applicable to your use of the Payments Services (e.g., including those governing financial services, consumer protections, unfair competition, anti-discrimination, or false advertising). In addition to any other requirements or restrictions set forth in this Agreement, you shall not: (i) utilise the credit available on any Card to provide cash advances to cardholders; (ii) submit any Transaction for processing that does not arise from your sale of goods or service to a customer; (iii) act as a payment intermediary or aggregator or otherwise resell the Payments Services on behalf of any third party; (iv) send what you believe to be potentially fraudulent authorisations or fraudulent Transactions; (v) use the Payments Services or the Payment Processing services in a manner that a Payment Network reasonably believes to be an abuse of the Payment Network or a violation of the Payment Network Rules; or, (vi) work around any of the technical limitations of the Payments Services or Programa’s checkout, use any tool to enable features or functionalities that are otherwise disabled in the Payments Services, or decompile, disassemble, or otherwise reverse engineer the Payments Services, except to the extent that such restriction is expressly prohibited by law.You further agree not to permit any third party to do any of the following: (i) access or attempt to access our systems, programs, or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell, or distribute, in any way, material from us; (iii) permit any third party to use and benefit from the Payments Services; (iv) transfer any rights granted to you under this Agreement; (v) work around any of the technical limitations of the Payments Services or Programa’s checkout, use any tool to enable features or functionalities that are otherwise disabled in the Payments Services, or decompile, disassemble, or otherwise reverse engineer the Payments Services, except to the extent that such restriction is expressly prohibited by law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the Payments Services, prevent access to or use of the Payments Services by our other users, or impose an unreasonable or disproportionately large load on our infrastructure; or, (vii) otherwise use the Payments Services except as expressly allowed under this section.

Suspicion of Unauthorised or Illegal Use We reserve the right to not provide the Payments Services in respect of any Transaction you submit that we believe, in our sole discretion, is in violation of this Agreement, any other Programa or Processor agreement, or exposes you, Programa, the Processors, or any other third party to actual or potential risk or harm, including, but not limited to, fraud and other criminal acts. You are hereby granting us authorisation to share information with law enforcement about you, your Transactions, or your Programa Payments Account.

Payment Network Rules The Payment Networks have established guidelines, bylaws, rules, and regulations in the form of the Payment Network Rules. You are required to comply with all applicable Payment Network Rules, including the Payment Network Rules for Visa, MasterCard and American Express (each as updated from time to time). The Payment Networks may amend the Payment Network Rules at any time and without notice to us or to you. Insofar as the terms of this Agreement and/or the Processor Terms are inconsistent with the Payment Network Rules, the Payment Network Rules shall prevail. We reserve the right to amend this Agreement at any time, with notice to you, as may be necessary to comply with the Payment Network Rules.

Disclosures and Notices You agree that Programa can provide disclosures and notices, including tax forms, that we deem appropriate regarding the Payments Services to you by posting such disclosures and notices in your Programa Admin or where necessary emailing them to the email address listed in your Programa Account. You also agree that electronic disclosures and notices have the same meaning and effect as if we had provided you with a paper copy. Such disclosures and notices shall be considered to be received by you within twenty-four (24) hours of the time it is posted to your Programa Admin or emailed to you, unless we receive notice that the email was not delivered.

Getting a Payments Services Account

Account Registration The Payments Services are only made available to persons that operate a business selling goods and services. You may not use the Payments Services for non-commercial, personal, family, or household purposes. To use Programa Payments for your business, you are required to register for a Programa Payments Account. When you register for a Programa Payments Account, we will collect information such as your name (if you are a sole proprietor), your business or trade name, your address, email, phone number, business identification or registration number, and certain other information that we require. We may also collect personal information (including name, birthdate, and government-issued identification number) about your beneficial owners or principals.You may register as an individual (sole proprietor) or as a corporation or other legal entity. If you register as a corporation or other legal entity, you must be authorised to act on behalf of such entity, have the authority to bind the entity to this Agreement, and you must agree to this Agreement on behalf of such entity. If you have so agreed, the term "Merchant", “you” or “your” will mean you, the natural person acting as a business, if you are a sole proprietor, or if you have registered as a corporation or other legal entity, it will mean that entity. You understand that by registering for a Programa Payments Account, you are also registering for a Processor Account under the Processor Terms and that you are simultaneously providing your information to Programa for the purpose of opening a Programa Payments Account, and to each of the Processors for the purpose of establishing your Processor Account.

Company Descriptions and Site URLAs part of your registration, you must provide the name under which you do business (which may be the business’ legal name or a "doing business name") (e.g. MyStore Online Widgets) and a billing descriptor. These two fields and your site URL may appear in your customers’ credit or debit card statements. To avoid customer confusion and Transaction disputes it is important that you enter a description that clearly identifies your business. You hereby agree to indemnify us from any costs, liabilities, losses, or expenses from disputes due to your failure to do so.

Verification and Underwriting To verify your identity, we or the Processor may require additional information, including your company registration number or business number, your HST, GST, or tax number, and, if applicable, your date of birth. We or the Processor may also ask for additional information to help verify your identity and assess your business risk, including, but not limited, to business invoices, reseller authorisation or distributor information, a driver’s licence or other government issued identification, or business licence, for you or for any of the owners or principals of your business. We or the Processor may ask you for your financial statements. We or the Processor may request your permission to do a physical inspection at your place of business and to examine books and records that pertain to your compliance with this Agreement. Your failure to comply with any of these requests may result in suspension or termination of your Programa Payments Account and any Processor Account you may have. You authorise us to retrieve additional information about you from third parties and other identification services. We reserve the right to hold funds in your Programa Payments Account while awaiting the information requested above. Programa may use your information to apply for card merchant acquiring accounts on your behalf with certain Payment Networks (such as American Express).After we or the Processor have collected and verified all your information, we or the Processor will review your account and determine if you are eligible to use the Payments Services. We will notify you once your Programa Payments Account has been either approved or deemed ineligible for use of the Payments Services.By accepting the terms of this Agreement, you are providing us and the Processor with authorisation to retrieve information about you by using third parties, including credit bureaus and other information providers. You acknowledge that such information retrieved may include your name, address history, credit history, and other data about you. We or the Processor may periodically update this information to determine whether you continue to meet the eligibility requirements for a Programa Payments Account.You agree that Programa and the Processor are permitted to contact and share information about you and your application (including whether you are approved or declined), your Programa Payments Account, and the Processor Account with the applicable Processor and other third parties in order to perform the Payments Services. This includes sharing information: (i) about Transactions for regulatory or compliance purposes; (ii) for use in connection with the management and maintenance of the Payments Services; (iii) to create and update our and their customer records about you, and to assist us and them in better serving you; and, (iv) to conduct our and their risk management process.

Designated Country In registering for a Programa Payments Account, you are obliged to identify the location from where you are operating the business that will use the Payments Services in that region. By registering for a Programa Payments Account, you are confirming that you are either a legal resident of that region or you are duly established and, if necessary, registered or licenced as a business entity authorised to conduct business in that respective region. The Payments Services and Programa Payments Account may only be used in regions that the Processor has made their services available. By accepting this Agreement, you confirm that you will satisfy these requirements.

Prohibited and Restricted Businesses Certain categories of businesses and business practices are prohibited from using the Payments Services (“Prohibited Businesses”), or require additional review and approval by us to use the Payments Services (“Restricted Businesses”). Prohibited Business and Restricted Business categories may be imposed by law or through the Payment Network Rules, by Programa or the requirements of a Processor’s Financial Services Providers. The types of business categories and business practices that are considered Prohibited Businesses or Restricted Businesses are provided by the respective Processor and can be located at: Stripe Prohibited and Restricted BusinessesThese lists are meant to be representative but not exhaustive. We, or the Processors, may add to or update the Prohibited Business or Restricted Business list at any time without notice to you.

Processing Card Transactions and Receiving Your Funds

Programa Payments Fees You agree to pay the fees for processing that are set out in your Programa Admin, which are incorporated herein by reference (the "Processing Fees"). Processing Fees shall be collected from you by the applicable Processor on our behalf in accordance with the Processor Terms. Our Help Centre may also provide updates in relation to these fees. Fees for Programa Platform Services are collected by Programa pursuant to the Programa Terms of Service (the "Programa Services Fees"). Processing Fees and Programa Platform Services Fees shall be referred to herein collectively as the "Fees".You are obligated to pay all applicable taxes, fees and other charges imposed by any governmental authority, including, without limitation, any value added tax, goods and services tax, harmonised sales tax and/or provincial or territorial sales tax, on the Payments Services provided under this Agreement. If you are tax-exempt, you will provide us or the Processor with an appropriate certificate or other evidence of tax exemption that is satisfactory to us or the Processor. We reserve the right to change the Fees at any time, subject to a thirty (30) day notice period. If you continue to use the Payments Services and the Processor Services for such thirty (30) days, then you are deemed to have accepted the change in Fees contemplated by such notice. Notwithstanding the thirty (30) day notice period referred to above, if Programa or the Processor suspends, disables, or otherwise makes your Programa Payments Account unavailable to you, and then subsequently reinstates your access to your Programa Payments Account, the then current Fees at the time of reinstatement shall apply to you.In addition to the Fees, you are also responsible for any penalties and fines imposed on you or on us by any bank, money services business, payment network, financial institution, or other financial intermediary resulting from your use of the Payments Services in a manner not permitted by this Agreement or by such financial intermediary’s rules and regulations. These penalties and fines will be passed on to you, or withdrawn as part of a collection payout to you.

Security Interest As security for performance of your obligations under this Agreement, you grant us a first priority lien and security interest on all funds processed and deposited into all bank accounts or other financial accounts designated in your Programa Admin to receive funds from the settlement of Transactions, and any other bank accounts associated with your Programa Payments Account, and in any funds processed using the Payment Processing services. These security interests and liens will secure payment and performance of all of your obligations under this Agreement and any other agreements now existing or later entered into between us and you, including, without limitation, your obligation to pay any amounts due and owing to us. You will execute, deliver and pay the fees for any documents we request, and authorise Programa to take any other action necessary including registering notice of such security interest in a public registry, to create, perfect, maintain, and enforce this security interest.

Our Collection Rights To the extent permitted by law, we may collect any obligations you owe us under this Agreement by requesting that a Processor deduct the corresponding amounts from a Reserve Account (as that term is defined below) or from funds payable to you arising from the settlement of Transactions. Fees will be assessed at the time a Transaction is processed and will be first deducted from the funds received for such Transaction. If these amounts are not sufficient to meet your obligations to us, we may charge the payment method associated with your Programa Payments Account for any amounts owed to us. Your failure to fully pay amounts that you owe us on demand will be a breach of this Agreement. You will be liable for our costs associated with collection in addition to the amount owed, including, without limitation, attorney fees and expenses, costs of any arbitration or court proceeding, collection agency fees, and any applicable interest.Further, we may deduct, or request that a Processor deduct, from any accounts associated with your Programa Payments Account, including the applicable Processor Account or Reserve Account, any amounts that you owe to us under this Agreement or any other agreement you have entered into with us or our affiliates. In accordance with the above and the Processor Terms you authorise us to debit your bank account, without separate notice, to collect amounts you owe under this Agreement, pursuant to the User Bank Account Debit Authorization (which shall form part of the “Processor Terms”).Additionally, we or the Processor may require a personal guarantee from a principal of a business for funds owed under this Agreement. If we or the Processor require a personal guarantee we or the Processor will specifically inform you in advance.In addition to the amount due, delinquent accounts may be charged with fees that are incidental to the collection of delinquent accounts and chargebacks, including, but not limited to, collection fees and convenience fees and other third-party charges.You hereby explicitly agree that all communication in relation to delinquent accounts will be made by electronic mail or by phone, as provided to Programa by you. Such communication may be made by Programa or by anyone on its behalf, including, but not limited to, a third-party collection agent.

Reserves Funds held in reserves are amounts of money set aside to cover chargebacks, refunds, or other payment obligations under this Agreement (the "Reserve Account"). We (in our discretion) or the Processor (in their discretion) will set the terms of any Reserve Account and notify you of such terms, which may require that a certain amount (including the full amount) of the funds received for a Transaction are held for a period of time, or that additional amounts are held in the Reserve Account. We (in our discretion) or the Processor (in their discretion) may elect to change the terms of a Reserve Account at any time, for any reason, based on your payment processing history or as requested by our payment processors.We (in our discretion) or the Processor (in their discretion) may require you to fund the Reserve Account by means of: (i) any funds payouts made or due to you for Transactions submitted to the Payments Services; or, (ii) amounts available in your bank account by means of ACH debit to your Programa Payments Account; or, (iii) other sources of funds associated with your Programa Payments Account; or, (iv) requesting that you provide funds to us for deposit to the Reserve Account.You agree that: (i) you are not entitled to any interest or other compensation associated with the funds held in the Reserve Account; (ii) you have no right to direct that account; (iii) you have no legal interest in those funds or that account; and, (iv) you may not assign any interest in those funds or that account.

Contesting ChargebacksYou or Programa may elect to contest chargebacks assessed to your account. Programa may provide you with assistance, including notifications and software to help contest your chargebacks. We do not assume any liability for our role or assistance in contesting chargebacks.You grant us permission to share records or other information required with the cardholder, the cardholder’s financial institution, and your financial institution to help resolve any chargeback. You acknowledge that your failure to provide us with complete and accurate information in a timely manner may result in an irreversible chargeback being assessed.If the cardholder’s issuing bank or the Payment Network does not resolve a dispute in your favour, we may recover the chargeback amount and any associated fees from you as described in this Agreement.We reserve the right, upon notice to you, to charge a fee for mediating or investigating chargeback disputes.

Termination and Other General Legal Terms

Term The Agreement is effective upon the date you agree to it (by electronically indicating acceptance) and continues so long as you use the Payments Services or until terminated by you or by Programa.

Termination You may terminate this Agreement by closing your Programa Payments Account at any time. We may terminate this Agreement and close your Programa Payments Account at any time, for any reason. We or the Processor may suspend your Programa Payments Account and your access to the Payments Services and any rights in respect of your Programa Payments Account, or terminate this Agreement, at any time, for any reason, including if: (i) we determine that you may be ineligible for the Payments Services because of the risk associated with your Programa Payments Account, including, without limitation, significant credit or fraud risk, or for any other reason; (ii) you do not comply with any of the provisions of this Agreement or the Processor Terms; or, (iii) upon request of the Payment Network, a Processor, or a Card issuer. Termination of the Processor Terms may, at the discretion of Programa, result in a termination of this Agreement. Termination of this Agreement shall entitle Programa to cause the Processor to terminate its Processor Terms.If a Processor terminates its Processor Terms or indicates its intention to do so, or if you elect to cease processing with such Processor, we have the right, but not the obligation, to offer you a substitute payment processor that is integrated with the Programa Payments Account. Upon your acceptance of the terms of service of such substitute payment processor, they shall be deemed to have replaced the previous Processor contemplated herein, provided that your liabilities to such Processor herein shall not be diminished on account of accepting the terms of the substitute payment processor.

Effects of Termination Upon termination and closing of your Programa Payments Account, we will immediately discontinue your access to the Payments Services. You agree to complete all pending Transactions, immediately remove all logos for Cards, and stop accepting new Transactions through the Payments Services. You will not be refunded the remainder of any Fees that you have paid for the Payments Services if your access to or use of the Payments Services is terminated or suspended. Any funds in the Financial Services Provider’s custody will be paid out to you subject to the Processor Terms.Termination does not relieve you of your obligations as defined in this Agreement, and a Processor may elect to continue to hold any funds deemed necessary, pending resolution of any other terms or obligations defined in this Agreement, including, but not limited to, chargebacks, fees, refunds, or other investigations or proceedings.Termination of this Agreement will not necessarily terminate your Programa Terms of Service, unless Programa determines otherwise.Upon termination you agree: (i) to immediately cease your use of the Payments Services; (ii) to discontinue use of any Programa or Processor trademarks and to immediately remove any Programa or Processor references and logos from your website and/or physical location, if applicable; (iii) that the licence granted under this Agreement shall end; (iv) that we reserve the right (but have no obligation) to delete all of your information and account data stored on our servers; (v) that we will not be liable to you for compensation, reimbursement, or damages in connection with your use of the Payments Services, or any termination or suspension of the Payments Services, or deletion of your information or account data; and, (vi) that you will still be liable to us for any fees or fines, or other financial obligation incurred by you or through your use of the Payments Services prior to termination.

Ownership The Payments Services are licenced and not sold. We reserve all rights not expressly granted to you in this Agreement. The Payments Services are protected by copyright, trade secret, and other intellectual property laws. We own the title, copyright, and other worldwide Intellectual Property Rights (as defined below) in the Payments Services and all copies of the Payments Services. This Agreement does not grant you any rights to our trademarks or service marks.For the purposes of this Agreement, “Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory or other jurisdiction.You may choose to, or we may invite you to submit comments or ideas about the Payments Services, including, without limitation, about how to improve the Payments Services or our products (“Ideas”). By submitting any Idea you agree that your disclosure is gratuitous, unsolicited and without restriction, and will not place us under any fiduciary or other obligation, and that we are free to use the Idea without any additional compensation to you, and/or to disclose the Idea on a non-confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, we do not waive any rights to use similar or related ideas previously known to us, or developed by our employees, or obtained from sources other than you.

Your Liability and Indemnification Concerning Liabilities Nothing in this Agreement shall serve to diminish your liability under the Processor Terms or the Programa Terms of Service. You are obliged to fulfill your obligations under this Agreement and those under the Processor Terms and Programa Terms of Service.Programa has agreed to indemnify and hold the Processors harmless for some, and, in some cases, all of your liabilities occurring under the Processor Terms, including, but not limited to, disputes (including, but not limited to, chargebacks), refunds, reversals, returns and fines (as such terms are defined in the Processor Terms). Insofar as Programa becomes liable to a Processor or any other third party for any penalties, fines, fees, or other liabilities under or in respect of the Processor Terms, the Payments Services, the Payment Processing services, or the Payment Network Rules, you agree to indemnify and hold Programa harmless from and against any and all such liabilities.Additionally, we or the Processor may require a personal guarantee from a principal of a business for funds owed under this Agreement.You agree to indemnify and defend Programa, our affiliates, and their respective employees, agents and service providers (each, a “Programa Entity”) against any claim, suit, demand, loss, liability, damage, action, or proceeding (each, a “Claim”) brought by a third party against a Programa Entity, and you agree to fully reimburse the Programa Entities for any Claims that result from: (i) your breach of any provision of this Agreement; (ii) any fees, fines, penalties, disputes, reversals, returns, chargebacks (as such terms are defined in the Processor Terms), or any other liability we incur that results from your use of the Payments Services; (iii) negligent or willful misconduct of your owners, employees, contractors, or agents; (iv) contractual or other relationships between you and your customers; or, (v) third-party indemnity obligations we incur as a direct or indirect result of your acts or omissions, including, but not limited to, indemnification of any Processor or any Payment Network.We will have the final decision-making authority with respect to Claims, including, without limitation, claims for refunds for purchased items that are filed with us by you or your customers. You will be required to reimburse us for your liability. Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back). You will not receive a refund of any Fees paid to us.If you are liable for any amounts owed to us, we may immediately remove such amounts from a Reserve Account and deduct the amounts owed to us from such Reserve Account funds. If you do not have sufficient funds in a Reserve Account to cover your liability, you will be required to immediately add additional funds to such Reserve Account to cover funds owed to us. If you do not do so, we may engage in collections efforts to recover such amounts from you at your cost and expense.

Your Representations, Warranties and Covenants You represent and warrant to us that: (i) if you are a sole proprietor, you are at least eighteen (18) years of age or, if you are a corporation or other entity, that the person entering into this Agreement on your behalf is at least eighteen (18) years of age, is authorised to act on your behalf, and has the authority to bind you to this Agreement; (ii) you are eligible to register and use the Payments Services and have the right, power, and ability to enter into and perform under this Agreement; (iii) the name identified by you when you registered is your name or business name under which you sell goods and services and the information that you have provided to us is accurate and complete; (iv) you are not a member of an organised crime group, a party who has been a member of an organized crime group in the past five years, a quasi-member of an organised crime group, a corporate racketeer, or other similar party, nor are any of your officers or employees a member of the foregoing; and, (v) you will not carry out, nor use a third party to carry out, any of the following unlawful acts: (a) the act of making violent demands; (b) the act of making unreasonable demands exceeding legal responsibilities; (c) the act of using threatening behavior or violence in relation to a Transaction; (d) the act of spreading rumors, using fraudulent means, or using force to harm the other party’s reputation or obstruct the party’s business; (e) the act of selling products for the purpose of money laundering; (f) the act of using a Card held by you for a sale without reasonable grounds or another act similar to those set forth in (a) through (f).You hereby covenant to us that: (i) any Transactions submitted by you will represent a bona fide sale by you; (ii) any Transaction submitted by you will accurately describe the goods and/or services sold and delivered to a customer; (iii) you will fulfil all of your obligations to each customer for which you submit a Transaction and will resolve any disputes or complaints directly with your customers; (iv) you and all Transactions initiated by you will comply with all applicable laws, rules, and regulations applicable to your business, including, but not limited to, any applicable tax laws and regulations; (v) except in the ordinary course of business, no Transaction submitted by you through the Payments Services will represent a sale to any principal, partner, proprietor, or owner of your entity; (vi) you will not use the Payments Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the use of the Payments Services; and, (vii) any information you provide to us will be accurate and complete.

No Warranties The Payments Services and all accompanying documentation are provided on an “as is" and “as available" basis, without any warranties, either express, implied, or statutory, including, without limitation, any implied warranties of title, merchantability, fitness for a particular purpose, and non-infringement. Use of the Payments Services is at your own risk.No advice or information, whether oral or written, obtained by you from or through the Payments Services or from: (i) Programa; (ii) a Processor, Suppliers or Licensors of Programa or a Processor; or, (iii) any of the respective affiliates, agents, directors, and employees of any of the entities listed in (i) or (ii) above (collectively, the “disclaiming entities" and individually, a “disclaiming entity”), will create any warranty. you specifically acknowledge that we do not have any control over the products or services that are paid for with the Payments Services, and we cannot ensure that your customers will complete a Transaction or are authorised to do so.Without limiting the foregoing, the disclaiming entities do not warrant that: (i) the information they provide or that is provided through the Payments Services is accurate, reliable or correct; (ii) the Payments Services will meet your requirements; (iii) the Payments Services will be available at any particular time or location; (iv) the Payments Services will function in an uninterrupted manner or be secure; (v) any defects or errors will be corrected; or, (vi) the Payments Services are free of viruses or other harmful components.Any subject matter downloaded or otherwise obtained through the use of the Payments Services is downloaded at your own risk and you will be solely responsible for any damage to your property or loss of data that results from such download. the disclaiming entities make no representations or warranties about how long will be needed to complete the processing of a Transaction.The disclaiming entities do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Payments Services, or any hyperlinked website or service, or featured in any banner or other advertising, and neither Programa, the Processor(s), nor the Financial Services Providers will be a party to, or in any way monitor any Transaction between you and third-party providers of products or services.

Limitation of Liability and Damages In no event shall a disclaiming entity (as defined above) be liable for any lost profits, loss of data, or any indirect, punitive, incidental, special, consequential or exemplary damages arising out of, in connection with, or relating to this agreement or the Payments Services, including, without limitation, the use of, inability to use, or unavailability of the Payments Services. Under no circumstances will any of the disclaiming entities be responsible for any damage, loss or injury resulting from hacking, tampering or other unauthorised access or use of the Payments Services or your Programa payments account, or the information contained therein.The disclaiming entities assume no liability or responsibility for any: (i) personal injury or property damage of any nature whatsoever, resulting from your access to or use of the Payments Services; (ii) any unauthorised access to or use of servers used in connection with the Payments Services and/or any and all personal information stored therein; (iii) any interruption or cessation of transmission to or from the Payments Services; (iv) any software bugs, viruses, trojan horses, or other harmful code that may be transmitted to or through the Payments Services; (v) any errors, inaccuracies or omissions in any content or information, for any loss or damage incurred as a result of the use of any content or information, in each case posted, emailed, stored, transmitted, or otherwise made available through the Payments Services; and/or (vi) user content or the defamatory, offensive, or illegal conduct of any third party.Without limiting the foregoing provisions of this section, the disclaiming entities’ cumulative liability to you shall be limited to direct damages, and in all events shall not exceed in the aggregate the amount of fees paid by you to Programa during the three (3) month period immediately preceding the event giving rise to the claim for liability.This Limitation of Liability section applies regardless of the legal theory on which the claim is based, including, without limitation, contract, tort (including negligence), strict liability, or any other basis. The limitations apply even if Programa or a Processor has been advised of the possibility of such damage. The provisions of this section shall apply to the fullest extent permitted by law in the applicable jurisdiction.The Payments Services are controlled and operated from facilities primarily in Australia and the United States. We make no representations that the Payments Services are appropriate or available for use in other locations. Those who access or use the Payments Services from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable United States, Australian, foreign and local laws and regulations, including, but not limited to, export and import regulations. You may not use the Payments Services if you are a resident of a sanctioned country embargoed by the United States, Canada, or the European Union, or are a foreign person or entity blocked or denied by the governments of the United States, Canada or the European Union - as deemed by the Processor.

Disputes, Choice of Law, Jurisdiction, Venue and MiscellaneousYou agree that any disputes arising out of or relating to this Agreement or the Payments Services shall be resolved and interpreted in accordance with the laws of the State of Victoria and the laws of Australia applicable therein, without regard to principles of conflicts of laws.This Agreement is governed by the laws of the State of Victoria and the laws of Australia applicable therein, without regard to principles of conflicts of laws, except for any security interest created pursuant to the Security Interest section above, which will be governed by and construed in accordance with the laws of the applicable country, state, province, territory, or other jurisdiction in which such security interest is registered, and in each case without regard to its choice of law provisions to the contrary.Programa may, or may direct the applicable Processor to respond to and comply with any subpoena, warrant, or other legal order (“Legal Process”) that we believe to be valid. Such Processor or any applicable Financial Services Provider may deliver or hold any funds or any Data as required under such Legal Process, even if you are receiving funds or Data on behalf of other parties. Where permitted by law, we will make reasonable efforts to provide you notice of such Legal Process by sending a copy to the email address we have on file for you. We are not responsible for any losses, whether direct or indirect, that you may incur as a result of our response or compliance with a Legal Process.Headings are included for convenience only and shall not be considered in interpreting this Agreement. The Agreement does not limit any rights that we may have under trade secret, copyright, patent, or other laws. Our failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term.

Right to Amend We have the right to change or add to the terms of this Agreement at any time, and to change, delete, discontinue, or impose conditions on any feature or aspect of the Payments Services or software with notice that we in our sole discretion deem to be reasonable in the circumstances, including such notice in your Programa Admin, or any other website maintained or owned by us for the purposes of providing services in terms of this Agreement. Any use of the Payments Services after our publication of any such changes shall constitute your acceptance of this Agreement as modified.

Assignment This Agreement, and any rights and licences granted hereunder, may not be transferred or assigned by you without our prior written consent, but may be assigned by us without consent or other restriction.

Change of Business You agree to give us (or the Processor where applicable) at least thirty (30) days prior notification of your intent to change your current product or services types, your business or trade name, or the manner in which you accept payment. You agree to provide us with prompt notification within three (3) days if you are the subject of any voluntary or involuntary bankruptcy or insolvency application, petition or proceeding, receivership, bankruptcy, or similar action or proceeding initiated by or against you or any of your principals (any of the foregoing, a “Bankruptcy Proceeding”). You also agree to promptly notify us within three (3) days of any adverse change in your financial condition, any planned or anticipated liquidation or substantial change in the basic nature of your business, any transfer or sale of twenty-five percent (25%) or more of your total assets, or any change in the control or ownership of your or your parent entity. You will also notify us within three (3) days of any judgement, writ, warrant of attachment or execution, or levy against twenty-five percent (25%) or more of your total assets.You will include us on the list and matrix of creditors as filed with any bankruptcy, commercial or civil court in connection with any Bankruptcy Proceeding, whether or not a claim may exist at the time of filing. Failure to do so will be cause for immediate termination of this Agreement and shall allow the pursuit of any other action available to us under the applicable Payment Network Rules or law.

Parties This Agreement binds you and your respective heirs, representatives, and permitted and approved successors (including those by merger and acquisition), or any permitted assigns.

Third-Party Services and Links to Other Websites You may be offered services, products, and promotions provided by third parties and not by us. If you decide to use these third-party services, you will be responsible for reviewing and understanding the terms and conditions associated with these services. You agree that we are not responsible for the performance of these services. The Programa website may contain links to third-party websites as a convenience to you. The inclusion of any website link does not imply an approval, endorsement, or recommendation by us. You agree that your access to any such website is at your own risk, and that the site is not governed by the terms and conditions contained in this Agreement. We expressly disclaim any liability for these websites. Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including those that have a link on our website, is subject to that website’s own rules and policies.

Force Majeure No party will be liable for delays in processing or other non-performance caused by such events as fires, telecommunications failures, utility failures, power failures, equipment failures, labour strife, riots, war, terrorist attack, non-performance of our vendors or suppliers, acts of God, or other causes over which the respective party has no reasonable control, except that nothing in this section will affect or excuse your liabilities and obligations, including, without limitation, for reversals, chargebacks, claims, fines, fees, refunds or unfulfilled products and services.

Entire Agreement and Remedies These terms and conditions, and all policies and procedures that are incorporated herein by reference, constitute the entire agreement between you and Programa with respect to the provision of the Payments Services. Except as otherwise set out herein, in the event of a conflict between this Agreement and any other Programa or Processor agreement or policy, this Agreement shall prevail on the subject matter of this Agreement. Except as expressly provided in this Agreement, these terms describe the entire liability of Programa and our vendors and suppliers and sets forth your exclusive remedies with respect to the Payments Services and your access and use of the Payments Services. If any provision of this Agreement (or portion thereof) is held to be invalid or unenforceable under applicable law, then it shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.This Agreement has been reviewed by you with the benefit of independent legal counsel to the extent you consider necessary, and any rule of construction to the effect that ambiguities are to be resolved against the drafting party shall not apply to the construction or interpretation of this Agreement. The rights conferred upon us in this Agreement are not intended to be exclusive of each other or of any other rights and remedies we may have at law or in equity. Rather, each and every right we may have under this Agreement, at law or in equity, is cumulative and concurrent, and in addition to every other right.This Agreement may be available in languages other than English. To the extent of any inconsistencies or conflicts between this English Agreement and the Agreements available in another language, the most current English version of the Agreement will prevail.

Survival In addition to any provision that is reasonably necessary to accomplish or enforce the purpose of this Agreement, the following sections of this Agreement survive and remain in effect in accordance with their terms upon the termination of this Agreement: Payment Methods; Taxes; Security; Data Security; Audit Right; Privacy; Privacy of Others; Restricted Use; Suspicion of Unauthorised or Illegal Use; Payment Network Rules; Disclosures and Notices; Automatic Reminders; Processing Card Transactions and Receiving Your Funds in its entirety; and Termination and Other General Legal Terms in its entirety.

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