Terms of Service

Last Updated: January 21, 2026

General Terms

1. Overview of this Merchant Agreement

1. Hurah LLC owns and operates the online payment applications (“MMO2Pay” or “Platform”) at https://mmo2pay.com.

2. You expressly authorize Hurah LLC or any of its Subsidiaries and Hurah LLC (or its appointed Subsidiary) hereby agrees to serve as your agent and/or merchant of record (“MOR“) as may be applicable, for the purpose of receiving payments on your behalf from your Buyer.

3. MMO2Pay will provide you with a more detailed description of the Payment Processing Services through published software libraries and application programming interfaces that may be used to access the Payment Processing Services and additional resources MMO2Pay makes available to you on the Platform.

4. Before using the Payment Processing Services, you must register on the Platform and create an account (“Merchant Account”).

5. Any reference to time or calendar day in Merchant Agreement shall be a reference to Mountain Standard Time (MST) and a calendar day in the United States, respectively.

6. All communications shall be made in the English language.

7. By using the Payments Processing Service, you accept the Merchant Agreement, and your intent and agreement to be bound by them.

2. Acceptance of Terms and Conditions

1. By accessing and/or using the Platform, you expressly acknowledge and represent that you have carefully read, understood and accepted the terms in its entirety as a legally binding agreement between you and Hurah LLC.

2. You should immediately stop accessing and/or using the Platform if you do not accept the terms.

3. Opening of Merchant Account

Only businesses (including sole proprietors and other types of legal entities) are eligible to apply for a Merchant Account to use the Payment Processing Services described in this Merchant Agreement.

To register for a Merchant Account, you must provide MMO2Pay with your business or trade name, physical address, email, phone number, business and/or tax identification number, website URL, the nature of your business or activities, and any supporting documentation and any other information about you that MMO2Pay may be required to collect under applicable law and regulations.

The Company may also collect Personal Data (including but not limited to name, birthdate, and government-issued identification number) and any other information required by law about your beneficial owners, ultimate beneficial owners, connected parties and any natural persons whom you may appoint to act on your behalf in establishing business relationships with the Company.

Until you have submitted, and the Company has reviewed, verified and approved, all required information, you will not be able to use your Merchant Account for transactions.

You may only use Payment Processing Services to facilitate Transactions with your Buyers. You may not use Payment Processing Services for any personal or non-commercial transactions, or for any other purposes prohibited by this Merchant Agreement.

Payment Processing Services

1. Services Provided

As a Registered User, you are required to adhere to the conditions of each Payment Processing Service. Once you have been onboarded on the Platform, you represent and warrant to MMO2Pay that each payment you are entitled to receive using the Payment Processing Services is in relation to bona fide sale of Products or Services to your Buyer. Any receipt provided to the Buyer shall be binding on you and shall satisfy all applicable regulatory requirements.

2. Settlement

MMO2Pay will, with its Payment Service Providers and Financial Partners, arrange to settle the funds from collections done on your behalf to your Settlement Account and on a weekly schedule or other schedule that has been mutually agreed upon in writing by the Parties. Unless otherwise agreed, the Company shall always do aggregated settlement of all collections on the scheduled settlement date and net of any applicable Deductions.

Settlements are done on working days only via ACH or Wire Transfer. Settlements will not be done on public holidays, Saturdays and Sundays. In the event the scheduled settlement date falls on a public holiday then the settlement will be done on the next working day.

3. Payment Method Terms

1. These are the terms and conditions that apply to you when you use the Payment Methods provided by our Payment Processing Service. You automatically accept these terms when you sign up and onboard with us.

2. When using Payment Methods involving card payments, you must additionally comply with the rules specified by the respective Card Scheme (“Scheme Rules”). These are terms and conditions, bylaws, rules, operating regulations, policies and procedures issued by the Card Schemes.

• Visa Rules and Regulations
• Mastercard Rules
• American Express Merchant Agreement

Holds and Reserves

1. Holds

A hold is a temporary action whereby the Company holds the Payment Processing Service of a group of Transactions or all Transactions under the Merchant Account, subject to, and in accordance with applicable law. The funds due to you from the group of Transactions or the Merchant Account shall not be available to you during the temporary hold period.

Company takes into consideration various factors before taking a temporary hold action, such as (a) ongoing representment of Chargebacks on the Transactions pending final resolution (b) increased Risks associated with the group of Transactions or the Merchant Account (c) increased Buyer complaints (d) investigations from Payment Service Providers, Financial Partners or regulatory/enforcement authorities.

2. Reserves

The Company may impose a Reserves requirement on your Merchant Account either at the time of onboarding or anytime during your usage of the Merchant Account. The reasons can include (but not limited to): (a) nature of the industry/industries You operate in (b) potentially higher Risk from your Transactions, you or your Buyer activities on the Platform (c) potential or realised higher Losses on your Merchant Account than anticipated by the Company.

Confidentiality and Security

1. Confidentiality

Each party shall keep the other party’s Confidential Information confidential and shall not use such Confidential Information except for the purpose of exercising or performing its rights and obligations under the Merchant Agreement, or disclose such Confidential Information in whole or in part to any third party, except with prior written consent.

2. Privacy

Protection of Personal Data is extremely important to the Company. By using the Payment Processing Services, you agree that you are and will remain compliant with all applicable laws protecting the privacy, security, and usage of any data you provide to the Company.

Additional Legal Terms

1. Liabilities and Indemnification

You agree to indemnify, defend, save and hold harmless the Company, its Relevant Persons and affiliates from any and all Losses and Claims arising out of (i) violation of the Merchant Agreement (ii) breach of applicable laws (iii) Chargebacks (iv) your negligence or willful misconduct in the performance of your obligations (v) any inquiries, investigation or actions by Payment Service Providers, Financial Partner, any governmental body (vi) Fraud.

2. Disclaimers

To the maximum extent permitted by any applicable law, MMO2Pay makes no warranty of any kind, whether express, implied, statutory or otherwise, regarding any matter, and specifically disclaims all implied warranties, including without limitation any implied warranty of merchantability, fitness for a particular use or purpose.

3. Governing Law and Arbitration

The Merchant Agreement shall be governed by, construed under and enforced in accordance with the laws of the State of Wyoming, United States, without regard to any conflict of law provisions.

Any dispute, controversy or claim arising out of or in connection with this Merchant Agreement shall be settled by arbitration in Sheridan, Wyoming, unless otherwise agreed by the Parties.