These Terms of Use apply to the website of PAL (the “Company”) at www.orum.io, and its various associated web pages, applications, and website-related services (the “Site”). This Agreement governs the relationship between the Company and the visitor of the Site (“You”) with respect to Your use of the Site. PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING THIS SITE. BY USING THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE WITHOUT MODIFICATION. IF YOU DO NOT AGREE, DO NOT ACCESS THE SITE AND IMMEDIATELY DISCONTINUE YOUR USE OF THE SITE.

The Company may, at its sole discretion, change, update, add, or remove portions of this Agreement to Terms of Use, at any time by posting an amended Agreement on the Site. Any changes will be effective immediately upon posting. It is Your responsibility to check these Terms of Use periodically for updates. You will be able to determine if this Agreement has been changed since Your previous visit by viewing the “Last Updated” date that appears at the top of this Agreement. Your continued use of the Site following the posting of changes constitutes Your acceptance of the updated Agreement.

1. Access to Site

The Company reserves the right, in its sole and absolute unilateral discretion, to terminate, suspend, or restrict Your access to the Site, without notice, for any reason whatsoever, including without limitation if You violate any of these Terms of Use. We also reserve all remedies at law or in equity in connection with any violation of these Terms of Use.

The Company also reserves the right, at any time, to modify or discontinue, temporarily or permanently, the Site (including any information or service offered therein) without notice. You agree that the Company shall not be liable to You (or any third party or party acting on Your behalf) for any modification, suspension, or discontinuation of the Site or its services.

2. Intellectual Property & Proprietary Rights

Materials published by the Company on the Site may contain proprietary notices, information, products or services owned by the Company, its affiliates, its licensors and/or third parties. Nothing contained herein shall be construed as granting to the user a license under any copyright, trademark, patent or other intellectual property right of the Company or any third party. The Company will not be responsible for any third-party material. The information contained on this Site is proprietary to the Company and its providers and You hereby acknowledge and agree that the Company and/or its providers own all legal right, title and interest in and to the information contained herein. Except as expressly authorized by the Company, You shall not copy, distribute, transmit, display, perform or create derivative works of the Site or its information, provided that, subject to Your compliance with this Agreement, the Company grants You a limited, personal, revocable, non-transferable and non-sub-licensable license to: (a) access the Site via the Internet solely for purposes of viewing such materials, and (b) print or save Site information for Your personal, non-commercial use. You may not provide this Site to third parties by way of sale, lease, license, assignment, file transfer, networking or other form of acquisition without the prior written consent of the Company.

All the Company names, logos, service marks and designs are the marks or trademarks of the Company, its affiliates, or third parties. Nothing contained herein shall be construed as granting (by implication, estoppel or otherwise) to the user of this Site any consent, waiver, license, or right to use, any copyright, trademark, service mark, patent or other intellectual property or other legal right of the Company or any third part

3. Consent to Monitoring and Disclosure

The Company is under no obligation and does not assume any obligation to monitor the information included in, transmitted to, or made accessible via the Site. However, You agree that the Company may monitor the Site in an effort to protect Site users and information of the Site and to comply with all applicable federal, state and/or local laws, rules and regulations. All information provided by the Company in connection with the Site that must be disclosed to any other person or entity to complete Your requested transaction will not be considered confidential for such limited purposes. the Company shall be free to use, disclose and distribute such information to service providers, clients, and third parties without limitation in accordance with the confines of the law and as disclosed in our Privacy Policy.

4. Site Rules of Conduct

You agree to comply with all applicable laws, rules and regulations in accessing and/or using the Site and/or its services. Your use of the Site is additionally conditioned on Your compliance with the following rules of conduct. You agree not to:

• Use the Site for any fraudulent or unlawful purpose.• Transmit unsolicited e-mail messages (“Spam”), or obtain the services of another provider to send Spam to promote a website hosted or otherwise accessible on or through the Site.
• Impersonate any person or entity, including, but not limited to, any Site employee, agent or representative; falsely state or otherwise misrepresent Your identity or Your affiliation with any person or entity; or express or imply that we endorse any statement You make.
• Intentionally interfere with or disrupt the operation of the Site.
• Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse, or other harmful code.
• Attempt to gain unauthorized access to the Site or its services or information, whether by hacking, password mining, or any other means.
• Test the vulnerability of the Site or any connected network to attempt to breach the security or authentication measures, without prior express written consent of the Company.
• Frame or mirror all or any part of the Site without our prior express written consent of the Company.
• Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.
• Interfere with or violate any other Site visitor’s right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, other employees, and representatives identified on the Site, without their express consent.
• Sell, resell, transfer, license, or exploit, for any commercial purposes, any use of or access to the Site or its services or information.
• Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site.

5. Indemnification

You agree to protect, defend, indemnify, and hold harmless the Company and its officers, directors, employees, representatives, and agents, from and against any and all claims, demands, actions, proceedings, judgments, damages, losses, liabilities, and expenses (including, without limitation, attorneys’ fees and court costs) made against the Company by any third party which may result or arise from, directly or indirectly, any breach by You of these Terms of Use or Your use of the Site.

6. Disclaimer and Limitation of Liability

THE INFORMATION AND SERVICES PROVIDED ON THIS SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, THE COMPANY, ON ITS OWN BEHALF AND ON BEHALF OF ITS AFFILIATES AND ITS AND THEIR RESPECTIVE LICENSORS AND SERVICE PROVIDERS, EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, WITH RESPECT TO THE SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AND WARRANTIES THAT MAY ARISE OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OR TRADE PRACTICE. WITHOUT LIMITATION TO THE FOREGOING, THE COMPANY PROVIDES NO WARRANTY OR UNDERTAKING, AND MAKES NO REPRESENTATION OF ANY KIND THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED RESULTS, BE COMPATIBLE OR WORK WITH ANY OTHER SOFTWARE, APPLICATIONS, SYSTEMS OR SERVICES, OPERATE WITHOUT INTERRUPTION, MEET ANY PERFORMANCE OR RELIABILITY STANDARDS OR BE ERROR FREE OR THAT ANY ERRORS OR DEFECTS CAN OR WILL BE CORRECTED. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THE SITE AND THE APPLICATIONS, SERVICES, AND LINKS PROVIDED THEREIN. NO INFORMATION PROVIDED BY THE COMPANY AND/OR THE COMPANY’S EMPLOYEES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY. THE COMPANY DOES NOT WARRANT THAT THE INFORMATION OR SERVICES OFFERED ON THE SITE, LINKED WEBSITES, OR AS OTHERWISE ACCESSIBLE ON OR TRANSMITTED FROM THE SITE WILL BE UNITERRUPTABLE OR ERROR FREE OR THAT ANY INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE FROM THIS SITE OR ANY OTHER WEBSITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. COMPANY DOES NOT PROMISE THAT YOUR USE OF THE SITE WILL PROVIDE A SPECIFIC RESULT. YOU UNDERSTAND THAT ACCESS TO THE SITE MAY FROM TIME TO TIME BE OR BECOME UNAVAILABLE, DELAYED, OR OTHERWISE LIMIT ADEQUATE USABILITY DUE TO HARDWARE FAILURE, TELECOMMUNICATION FAILURES/INTERRUPTION, NETWORK OR SERVER FAILURES, VIRUSES, ERRORS, INCOMPATIBILITY OF SYSTEMS, OR OTHER THINGS THAT MAY BE A RESULT OF THE END USER’S EQUIPMENT, CONNECTIONS, OR OTHER CAUSES OUTSIDE THE CONTROL OF COMPANY. IN THE EVENT AN INTERRUPTION OF SERVICE OR OTHER FAILURE CAUSES HARM TO YOU OR ANOTHER SITE USER, COMPANY SHALL NOT BE HELD RESPONSIBLE OR BE LIABLE FOR ANY SUCH DAMAGE, LOSS, INACCURACY, ADEQUACY, INCOMPLETION OF INFORMATION OR SERVICES, ETC. YOU UNDERSTAND AND AGREE THAT IN THE EVENT YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIAL OR DATA THROUGH THE USE OF THIS SITE YOU DO SO AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOU, YOUR COMPUTER SYSTEM, OR LOSS OF DATA THAT RESULTS FROM THE USE OR DOWNLOAD OF SUCH MATERIAL OR DATA. COMPANY WILL USE REASONABLE EFFORTS TO INCLUDE ONLY ACCURATE AND UP-TO-DATE INFORMATION ON THE SITE. HOWEVER, BY ACCESSING OR LINKING TO THE SITE, YOU ASSUME THE RISK THAT THE SITE AND ITS CONTENT MAY BE INCOMPLETE, INACCURATE, OUT-OF-DATE, OR MAY NOT MEET YOUR NEEDS AND REQUIREMENTS. COMPANY DISCLAIMS ANY OBLIGATION TO UPDATE THE CONTENT OF THE SITE AND ANY LIABILITY FOR INCOMPLETE OR INACCURATE INFORMATION AVAILABLE ON THE SITE VIA THIRD-PATY LINKS. THE COMPANY IS NOT RESPONSIBLE FOR THE PRIVACY PRACTICES OR CONTENT OF ANY THIRD-PARTY WEBSITES THAT ARE LINKED THROUGH THE SITE OR THAT DISPLAY A LINK TO THE SITE. THE COMPANY MAKES NO WARRANTIES OR REPRESENTATION REGARDING THE ACCURACY OF ANY INFORMATION CONTAINED IN ANY THIRD-PARTY WEBSITE. YOU, AS A USER OF THE SITE, ASSUME RESPONSIBILITY FOR YOUR USE AND UNDERSTAND THAT THESE DISCLAIMERS AND LIMITATION OF LIABILITY ARE A MATERIAL PART OF THIS AGREEMENT. YOU UNDERSTAND THAT YOUR SOLE REMEDY AGAINST THE COMPANY FOR LOSS OR DISSATISFACTION WITH THE SITE IS TO STOP USING THE SITE. EXCEPT AS PROHIBITED BY LAW, COMPANY WILL NOT BE LIABLE TO YOU FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR PUNITIVE DAMAGES. Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law. Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party’s liability will be limited to the greatest extent permitted by law.

7. Dispute Resolution

If You have any concern or dispute about the Site, You agree to first try to resolve the dispute informally by contacting the Company.

8. Fraud Mitigation Measures

You agree to maintain a record sheet showing Identification details, phone numbers and addresses of clients for whom payments and bills are processed. Ensure that all required KYC information requested at sign up is accurately recorded, with clear pictures of the account owners. Non compliance with this requirement may cause your account to be flagged as suspicious and placed on a fraud watchlist. You also acknowledge that you are required to flag and report in writing showing the phone numbers and destination account numbers of suspected initiators and beneficiaries any suspicious transaction that they may be forced to process at the nearest law enforcement office and provide us with a report of the same for our records.

9. Amendments, Modification, Suspension and Termination

We reserve the right at our sole discretion to suspend or terminate the agreement if you use the Service for unauthorised purposes.

You acknowledge that we may be compelled by law to suspend and/or freeze your PAL Account/Wallet or decline to execute your transaction requests if there are reasonable grounds to suspect that your account with us has been or is being or may be used to receive or send funds in connection with any criminal or fraudulent activity.

We may, at our discretion, close your account with us at any time for any reason upon giving one (1) weeks’ notice to you and making reasonable attempts to reach you. In such circumstances, you shall be entitled to the balance of any funds remaining in your PAL Account/Wallet.

We may send notices to you at any postal address provided by you or electronically by SMS to your mobile telephone number with which you registered on the App.

This agreement terminates automatically upon the death of the User who has signed up to use the App.

You may also terminate the General Terms and Additional Terms applicable to your Account by deactivating your Account at any time.

10. Fees

You are responsible for the payment of all applicable fees. All charges applicable to the use of the Services are as may be communicated to you from time to time by PAL and are subject to change at any time at PAL’S sole discretion.

All fees are deducted at source and are subject to change at any time at Pal’S sole discretion.

Fees payable on each transaction will be deducted from your PAL Account/Wallet at the completion of each transaction.

11. Miscellaneous and Other Provisions