Ludovic Vuillier
Vladimir Lobastov

Kumaa Pay GmbH
Grafenaustrasse 7
6300 Zug
Switzerland
Email: info@kumaapay.com
Telephone: +41 78 216 93 47

4. Regulatory Information

Kumaa Pay GmbH is a member of VQF (Verein zurQualitätssicherung von Finanzdienstleistungen), a Swiss self-regulatory organisation officially recognised by the Swiss Financial Market Supervisory Authority (FINMA) under the Swiss Anti-Money Laundering Act (AMLA).
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‍VQF Membership Number: 101288.
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Membership in VQF relates to compliance with the applicable anti-money laundering obligations under Swiss law and should not be interpreted as a banking licence, securities firm licence, collective investment scheme authorisation, or prudential authorisation by FINMA.

5. Intellectual Property

The KUMAA® trademark is a registered trademark in Switzerland and is owned by Kumaa Pay GmbH.

The KUMAA trademark is registered with the Swiss Federal Institute of Intellectual Property (IPI) under Swiss Trademark Registration No. 845894.

The trademark was registered on 20 March 2026 and is protected under applicable Swiss trademark legislation.

Unless otherwise stated, all intellectual property rights relating to this Website, including but not limited to trademarks, trade names, logos, service marks, software, website design, graphics, text, photographs, videos, icons, databases and other materials, are owned by Kumaa Pay GmbH or are used under a valid licence.

Nothing contained on this Website shall be construed as granting, by implication or otherwise, any licence or right to use any trademark, logo or other intellectual property displayed on this Website without the prior written consent of Kumaa Pay GmbH.

Any unauthorised use, reproduction, modification, distribution or publication of any content or intellectual property appearing on this Website is strictly prohibited.

6. Website Information

The information published on this Website is provided for general informational purposes only.

Nothing contained on this Website constitutes:

• legal advice;
• financial advice;
• investment advice;
• tax advice;
• accounting advice; or
• an offer or solicitation to buy or sell any financial product or service.

Visitors should obtain independent professional advice before making any business or financial decisions.

7. No Provision of Services

The Website is intended solely to provide general information about Kumaa Pay GmbH, its business and its products and services.

Access to or use of this Website does not constitute the provision of any payment, financial, digital asset or other regulated services by Kumaa Pay GmbH.

The use of this Website does not create any contractual relationship between Kumaa Pay GmbH and any visitor.

Any payment services, technology services or other commercial services offered by Kumaa Pay GmbH are provided exclusively under separate written agreements or other legally binding contractual documentation entered into between Kumaa Pay GmbH and the relevant customer.

Nothing contained on this Website shall be interpreted ascreating any right to receive services from Kumaa Pay GmbH or as an offercapable of acceptance solely through the use of this Website.

Access credentials, merchant accounts, APIs,customer portals or other technical environments made available by Kumaa PayGmbH are governed by their respective contractual terms and are not subject to this Legal Notice.

8. No Warranty

While Kumaa Pay GmbH makes reasonable efforts to ensure that the information contained on this Website is accurate and up to date, no representation or warranty, express or implied, is given regarding its accuracy, completeness, reliability or suitability.

Information on this Website may be amended, updated or removed at any time without prior notice.

9. Limitation of Liability

To the maximum extent permitted under applicable law, KumaaPay GmbH shall not be liable for any direct, indirect, incidental, consequential or special damages arising from or connected with:
·          access to or use of this Website;
·          inability to use this Website;
·          reliance upon information published on this Website;
·          technical interruptions;
·          viruses or other harmful components;
·          third-party websites linked from this Website.

Nothing in this Legal Notice excludes liability where such exclusion is prohibited under applicable law.

10. External Links

This Website may contain links to third-party websites provided solely for convenience.

Kumaa Pay GmbH has no control over such websites and accepts no responsibility for their content, availability, security or privacy practices.

The inclusion of any external link does not constitute an endorsement of the relevant third party.

This Legal Notice shall be governed by and construed inaccordance with the laws of Switzerland.

Subject to any mandatory provisions of applicable law, the competent courts of the Canton of Zug, Switzerland, shall have exclusive jurisdiction over any disputes arising from or relating to this Website.