TERMS OF USE FOR ALL USERS BY USING OUR WEBSITE YOU AGREE TO THESE TERMS – PLEASE READ THEM CAREFULLY 1. Introduction: These Terms of Use for all Users govern your use of Smart Payments and your agreement with us. 2. Interpretation: In the Terms of Service: a. we refer to our website as Smart Payments, including when accessed via the URL www.bigroupsolutions.com; b. references to we, our, us are references to BIGroup Solutions, the operator of Smart Payments; c. Content means any material uploaded to Smart Payments by any User (whether a Creator or a Fan), including any photos, videos, audio (for example music and other sounds), livestream material, data, text (such as comments and hashtags), metadata, images, interactive features, emojis, GIFs, memes, and any other material whatsoever; d. Creator means a User who has set up their Smart Payments account as a Creator account to post Content on Smart Payments to be viewed by other Users; e. Fan means a User who follows a Creator and is able to view the Creators Content; f. Fan/Creator Transaction means any transaction between a Fan and a Creator on Smart Payments by which access is granted to the Creators Content including in any of the following ways: (i) a Subscription, (ii) payments made by a Fan to view a Creators pay-per-view Content (pay-per-view media and pay-per-view live stream), and (iii) use by the Fan of the fan interaction function on a Creators account; g. Fan Payment means any and all payments made by a Fan to a Creator (i) in connection with a Fan/Creator Transaction, or (ii) by way of a tip for a Creator; h. Referring User means a User who participates in the Smart Payments Referral Program; i. Standard Contract between Fan and Creator means the terms which govern each Fan/Creator Transaction, which can be found here; j. Subscription means a Fans subscription to a Creators account (whether paid or unpaid, and whether for one month or as part of a bundle comprising a subscription for more than one month); k. Terms of Service (also called your agreement with us) means the legally binding agreement between you and us which consists of: (i) these Terms of Use for all Users, (ii) Terms of Use for Fans, (iii) Terms of Use for Creators, (iv) Privacy Policy, (v) Acceptable Use Policy, (vi) Referral Program Terms, (vii) Complaints Policy, (viii) Platform to Business Regulation Terms; and (ix) Community Guidelines; l. United Kingdom means the United Kingdom of Great Britain and Northern Ireland; and m. User means any user of Smart Payments, whether a Creator or a Fan or both (also referred to as you or your). 3. Who we are and how to contact us: Smart Payments is operated by BIGroup Solutions. We are a limited company registered in Santa cruz de la Sierra – Bolivia. To contact us with any questions about Smart Payments, please email our support team at support@bigroupsolutions.com. 4. How we may change the Terms of Service: We may change any part of the Terms of Service without telling you beforehand in the following circumstances: a. to reflect changes in laws and regulatory requirements which apply to Smart Payments and the services, features and programs of Smart Payments where such changes require Smart Payments to change its terms and conditions in a manner which does not allow us to give reasonable notice to you; and b. to address an unforeseen and imminent danger related to defending Smart Payments, Fans or Creators from fraud, malware, spam, data breaches or other cybersecurity risks. We may also make other changes to any part of the Terms of Service, and we will give you reasonable notice of such changes by email or through Smart Payments, and you may contact us to end your agreement with us before the changes take effect. Once any updated Terms of Service are in effect, you will be bound by them if you continue to use Smart Payments. 5. We may make changes to or suspend or withdraw Smart Payments: We may update and change Smart Payments from time to time for any reason, including to reflect changes to our services, Users needs and our business practices or to improve performance, enhance functionality or address security issues. We will try to give you reasonable notice of any major changes. We do not guarantee that Smart Payments, or any Content on it, will always be available or accessible without interruption. We may suspend or withdraw or restrict the availability of all or any part of Smart Payments for business or operational reasons. We will try to give you reasonable notice of any suspension or withdrawal if it affects you. 6. Registering with Smart Payments: To use Smart Payments you must first register and create a User account on Smart Payments. You must provide a valid email address, a username, and a password or authenticate using a valid Twitter or Google account. Your password should be unique (meaning that it is different to those you use for other websites) and must comply with the technical requirements of the Smart Payments site for the composition of passwords. To register as a User: a. you must be at least 18 years old, and you will be required to confirm this; b. if the laws of the country or State/province where you live provide that you can only be legally bound by a contract with us at an age which is higher than 18 years old, then you must be old enough to be legally bound by a contract with us under the laws of the country or State/province where you live; and c. you must be permitted by the laws of the country or State/province where you are located to join Smart Payments and to view any Content available on it and to use any functionality provided by it. d. you must provide such other information or verification records as we require. If you do not meet the above requirements, you must not access or use Smart Payments. 7. Your commitments to us: When you register with and use Smart Payments, you make the following commitments to us: a. If you previously had an account with Smart Payments, you confirm that your old account was not terminated or suspended by us because you violated any of our terms or policies. b. You will make sure that all information which you submit to us is truthful, accurate and complete. c. You will update promptly any of your information you have submitted to us as and when it changes. d. You consent to receiving communications from us electronically, including by emails and messages posted to your Smart Payments account, and to the processing of your personal data as more fully detailed in our Privacy Policy. e. You will keep your account/login details confidential and secure, including your user details, passwords and any other piece of information that forms part of our security procedures, and you will not disclose these to anyone else. You will contact support@Smart Payments.com promptly if you believe someone has used or is using your account without your permission or if your account has been subject to any other breach of security. You also agree to ensure that you log out of your account at the end of each session, and to be particularly careful when accessing your account from a public or shared computer so that others are not able to access, view or record your password or other personal information. f. You are responsible for all activity on your account even if, contrary to the Terms of Service, someone else uses your account. g. You will comply in full with these Terms of Use for all Users, our Acceptable Use Policy and all other parts of the Terms of Service which apply to your use of Smart Payments. 8. Rights we have, including to suspend or terminate your account: a. We can but we are not obligated to moderate or review any of your Content to verify compliance with the Terms of Service (including, in particular, our Acceptable Use Policy) and/or any applicable law. b. It is our policy to suspend access to any Content you post on Smart Payments which we become aware may not comply with the Terms of Service (including, in particular, our Acceptable Use Policy) and/or any applicable law whilst we investigate the suspected non-compliance or unlawfulness of such Content. If we suspend access to any of your Content, you may request a review of our decision to suspend access to the relevant Content by contacting us at support@Smart Payments.com. Following our investigation of the suspected non-compliance or unlawfulness of the relevant Content, we may take any action we consider appropriate, including to reinstate access to the Content or to permanently remove or disable access to the relevant Content without needing to obtain any consent from you and without giving you prior notice. You agree that you will at your own cost promptly provide to us all reasonable assistance (including by providing us with copies of any information which we request) in our investigation. We will not be responsible for any loss suffered by you arising from the suspension of access to your Content or any other steps which we take in good faith to investigate any suspected non-compliance or unlawfulness of your Content under this section. c. If we suspend access to or delete any of your Content, we will notify you via email or electronic message to your Smart Payments account, but we are not obligated to give you prior notice of such removal or suspension. d. We reserve the right in our sole discretion to terminate your agreement with us and your access to Smart Payments for any reason by giving you 30 days notice by email or electronic message to your Smart Payments account. We can also suspend access to your User account or terminate your agreement with us and your access to Smart Payments immediately and without prior notice:  if we think that you have or may have seriously or repeatedly breached any part of the Terms of Service (including in particular our Acceptable Use Policy), or if you attempt or threaten to breach any part of the Terms of Service in a way which has or could have serious consequences for us or another User; or  if you take any action that in our opinion has caused or is reasonably likely to cause us to suffer a loss or that otherwise harms the reputation of Smart Payments. If we suspend access to your User account or terminate your agreement with us and your access to Smart Payments we will let you know. During any period when access to your User account is suspended, any Fan Payments which would otherwise have fallen due during the period of suspension will be suspended, and we may withhold all or any part of the Creator Earnings due to you but not yet paid out in accordance with section 13 of the Terms of Use for Creators. e. Upon termination of your account, we may deal with your Content in any appropriate manner in accordance with our Privacy Policy (including by deleting it) and you will no longer be entitled to access your Content. There is no technical facility on Smart Payments for you to be able to access your Content following termination of your account. f. We can investigate any suspected or alleged misuse, abuse, or unlawful use of Smart Payments and cooperate with law enforcement agencies in such investigation. g. We can disclose any information or records in our possession or control about your use of Smart Payments to law enforcement agencies in connection with any law enforcement investigation of any suspected or alleged illegal activity, to protect our rights or legal interests, or in response to legal process. h. We can change the third-party payment providers used to process payments on Smart Payments and if we do so, we will notify you and store applicable details on your Smart Payments account. i. Other than Content (which is owned by or licensed to Creators), all rights in and to Smart Payments and its entire contents, features, databases, source code and functionality, are owned by us and/or our licensors. Such material is protected by copyright, and may be protected by trademark, trade secret, and other intellectual property laws. j. We are the sole and exclusive owners of any and all anonymised data relating to your use of Smart Payments and such anonymised data can be used by us for any purpose, including for commercial, development and research purposes. 9. What we are not responsible for: We will use reasonable care and skill in providing Smart Payments to you, but there are certain things which we are not responsible for, as follows: a. We do not authorize or approve Content on Smart Payments, and views expressed by Creators or Fans on Smart Payments do not necessarily represent our views. b. We do not grant you any rights in relation to Content. Any such rights may only be granted to you by Creators. c. Your Content may be viewed by individuals that recognise your identity. We will not in any way be responsible to you if you are identified from your Content. While we may, from time to time and in our sole discretion, offer certain geofencing or geolocation technology on Smart Payments, you understand and agree that we do not guarantee the accuracy or effectiveness of such technology, and you will have no claim against us arising from your use of or reliance upon any geofencing or geolocation technology on Smart Payments. d. All Content is created, selected, and provided by Users and not by us. We are not responsible for reviewing or moderating Content, and we do not select or modify the Content that is stored or transmitted via Smart Payments. We are under no obligation to monitor Content or to detect breaches of the Terms of Service (including the Acceptable Use Policy). e. You agree that you have no obligation to follow any suggestions, comments, reviews, or instructions received from another User of Smart Payments and that if you choose to do so, you do so entirely at your own risk. f. We make no promises or guarantees of any kind that Creators or Referring Users will make a particular sum of money (or any money) from their use of Smart Payments (including the Smart Payments Referral Program). g. The materials which we make accessible on Smart Payments for Users are for general information only. We make no promises or guarantees about the accuracy or otherwise of such materials, or that Users will achieve any particular result or outcome from using such materials. h. We do not promise that Smart Payments is compatible with all devices and operating systems. You are responsible for configuring your information technology, device, and computer programs to access Smart Payments. You should use your own virus protection software. i. We are not responsible for the availability of the internet, or any errors in your connections, device or other equipment, or software that may occur in relation to your use of Smart Payments. j. While we try to make sure that Smart Payments is secure and free from bugs and viruses, we cannot promise that it will be and have no control over the Content that is supplied by Creators. k. We are not responsible for any lost, stolen, or compromised User accounts, passwords, email accounts, or any resulting unauthorized activities or resulting unauthorized payments or withdrawals of funds. l. You acknowledge that once your Content is posted on Smart Payments, we cannot control and will not be responsible to you for the use which other Users or third parties make of such Content. You can delete your account at any time, but you acknowledge that deleting your account will not of itself prevent the circulation of any of your Content which may have been recorded by other Users in breach of the Terms of Service or by third parties prior to the deletion of your account. 10. Intellectual property rights – ownership and licenses: a. You confirm that you own all intellectual property rights (examples of which are copyright and trademarks) in your Content or that you have obtained all necessary rights to your Content which are required to grant licenses in respect of your Content to us and to other Users. This includes any rights required to engage in the acts covered by sub-section 10(b) below in any territory in which Smart Payments is accessible and, in particular, in the United States of America, the United Kingdom and the European Union. b. You agree to grant us a license under all your Content to perform any act restricted by any intellectual property right (including copyright) in such Content, for any purpose reasonably related to the provision and operation of Smart Payments. Such acts include to reproduce, make available and communicate to the public, display, perform, distribute, translate, and create adaptations or derivative works of your Content, and otherwise deal in your Content. c. The license which you grant to us under sub-section 10(b) above is perpetual, non-exclusive, worldwide, royalty-free, sublicensable, assignable and transferable by us. This means that the license will continue even after your agreement with us ends and you stop using Smart Payments, that we do not have to pay you for the license, and that we can grant a sub-license of your Content to someone else or assign or transfer the license to someone else. This license will allow us, for example, to add stickers, text, and watermarks to your Content, to make your Content available to other Users of Smart Payments, as well as to use your Content for other normal operations of Smart Payments. We will never sell your Content to other platforms, though we may sell or transfer any license you grant to us in the Terms of Service in the event of a sale of our company or its assets to a third party. d. Whilst we do not own your Content, you grant us the limited right to submit notifications of infringement (including of copyright or trademark) on your behalf to any third-party website or service that hosts or is otherwise dealing in infringing copies of your Content without your permission. Although we are not under any obligation to do so, we may at any time submit or withdraw any such notification to any third-party website or service where we consider it appropriate to do so. However, we do not and are under no obligation to police infringements of your Content. You agree that if we request, you will provide us with all consents and other information which we reasonably need to submit notifications of infringement on your behalf. Please see our Complaints Policy for how to make a complaint about infringement of intellectual property rights. e. You waive any moral rights which you may have under any applicable law to object to derogatory treatment of any Content posted by you on Smart Payments. This waiver does not affect in any way your ownership of any intellectual property rights in your Content or the rights which you have to prevent your Content from being copied without your permission. The waiver is intended to allow us when dealing with your Content (as permitted by the license which you give us in section 10(b) above) to add watermarks, stickers or text to your Content. 11. Twitter: Users have the facility to connect an active Twitter account to their Smart Payments account and to share certain Content in the form of Smart Payments posts to Twitter using the share feature. If you use this feature, you must fully comply with Twitters terms of service from time to time in respect of any Content shared in this way. 12. Linking to and from Smart Payments: a. Links to Smart Payments:  You may link to the Smart Payments homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part.  If you are a Creator, when promoting your Creator account you must comply with our Terms of Service and the terms of service of any other website where you place a link to or otherwise promote your Creator account. When promoting your Creator account, you must not impersonate Smart Payments or give the impression that your Creator account is being promoted by us if this is not the case. You must not promote your Smart Payments account by using Google Ads or any similar advertising platform or search engine advertising service. b. Links from Smart Payments: If Smart Payments contains links to other sites and resources provided by third parties, these links are provided for your convenience only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to Smart Payments, you do so entirely at your own risk and subject to the terms and conditions of use for such websites. c. Domain Names: In some instances, Smart Payments may allow Creators to register or use domain names that contain the Smart Payments trademark or a confusingly similar term. However, you will not register such a domain name, unless:  The domain name is registered by the Creator.  The domain name redirects to the Creators Smart Payments profile. Domain names containing the Smart Payments trademark or a confusingly similar term must not direct to any other website, including link aggregators.  The Creator obtains prior written permission from Smart Payments and signs a licensing agreement. If you would like to register a domain name containing the Smart Payments trademark or a confusingly similar term, please contact support@Smart Payments.com. Failing to comply with these provisions or the licensing agreement will be considered a violation of the licensing agreement and may result in Smart Payments filing a domain dispute against the registrant. 13. How do I delete my account? If you want to delete your Smart Payments account then you may do so in the User Account section of your Smart Payments account. a. If you are a Fan, the deletion of your account will take place within a reasonable time following your request. b. If you are a Creator, then once you initiate the delete account process your account will remain open until the last day of your Fans paid Subscription period, following which you will receive your final payment and your account will be deleted. c. If you are both a Fan and a Creator then your account will be deleted in two stages (Fan first and then Creator). d. Once your account has been deleted you wont be charged any further amounts or have access to your former Smart Payments account or its Content, and any subscriptions will be deleted and cannot be subsequently renewed. You will receive an email confirmation upon the successful deletion of your account. Once your account has been deleted, we may deal with your Content in any appropriate manner in accordance with our Privacy Policy (including by deleting it) and you will no longer be entitled to access your Content. There is no technical facility on Smart Payments for you to be able to access your Content following termination of your account. 14. Who is responsible for any loss or damage suffered by you? a. Whether you are a consumer or business User: We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes (i) liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors, and (ii) fraud or fraudulent misrepresentation. b. If you are a consumer User: If you are a consumer User, you agree that:  We and our subsidiary companies, employees, owners, representatives, and agents will not be liable to you for any loss of profit, loss of business or revenue, business interruption, loss of business opportunity, or loss of anticipated savings suffered by you arising from or in connection with your use of Smart Payments.  If you are a consumer User and reside in the United States of America, our total liability to you for claims arising out of or related to your agreement with us shall be limited to USD 250 per claim. c. If you are a business User: If you are a business User, you agree that:  We and our subsidiary companies, employees, owners, representatives, and agents:  exclude (to the extent permitted by law) all implied conditions, warranties, representations, or other terms that may apply to Smart Payments or any content on it. This means that if the Terms of Service do not expressly include a promise or commitment by us, then one cannot be implied by law;  are not responsible to you for any loss or damage suffered by you that is not a foreseeable result of our breaching the Terms of Service or our failing to use reasonable care and skill. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you agreed to the Terms of Service, both we and you knew it might happen;  wont be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising out of or in connection with:  your inability to use Smart Payments or any of its services, features or programs; or  your use of or reliance on any content (including Content) stored on Smart Payments;  wont be liable to you for any: a. loss of profits; b. loss of sales, business, or revenue; c. business interruption; d. loss of anticipated savings; e. loss of business opportunity, goodwill or reputation; f. loss of data or information, including any Content; or g. indirect or consequential loss or damage;  wont be liable to you for any loss or damage caused by a distributed denial-of-service attack, virus, malware, ransomware, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of Smart Payments or any of its services, features or programs, or due to your downloading of any material posted on it, or on any website linked to it;  wont be liable to you if your Content is copied, distributed, reposted elsewhere or its copyright is infringed by another User or any third party;  wont be liable to you for any disclosure of your identity, or any disclosure or publication of your personal information by other Users or third parties without your consent (also known as doxing);  wont be liable to you for any failure or delay by us in complying with any part of the Terms of Service arising from events outside our reasonable control. If there is any failure or delay by us in complying with any part of the Terms of Service arising from an event outside our reasonable control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay.  Our total liability to you for any and all claims arising out of or related to your agreement with us, whether in contract, tort (including negligence), breach of statutory duty, or otherwise shall be limited to the greater of:  100% of the total fees paid by you to us in connection with your use of Smart Payments; and  USD 5,000. 15. General: You agree that: a. If any aspect of your agreement with us is unenforceable, the rest will remain in effect. b. If we fail to enforce any aspect of your agreement with us, it will not be a waiver; c. We reserve all rights not expressly granted to you. d. No implied licenses or other rights are granted to you in relation to any part of Smart Payments, save as expressly set out in the Terms of Service. e. Your agreement with us does not give rights to any third parties, except that the exclusions and limitations of liability in section 14 (Who is responsible for any loss or damage suffered by you?) and the terms in section 16 ( Terms relating to disputes) may be enforced by our subsidiary companies, employees, owners, representatives and agents. f. You cannot transfer your rights or obligations under your agreement with us without our prior written consent. g. Our rights and obligations under your agreement with us can be assigned or transferred by us to others. For example, this could occur if our ownership changes (as in a merger, acquisition, or sale of assets) or by law. In addition, we may choose to delegate the performance of any of our obligations under your agreement with us to any third party, but we will remain responsible to you for the performance of such obligations. h. The Terms of Service form the entire agreement between us and you regarding your access to and use of Smart Payments, and supersede any and all prior oral or written understandings or agreements between us and you. 16. Terms relating to disputes – the law which applies to your agreement with us and where disputes and claims concerning your use of Smart Payments (including those arising from or relating to your agreement with us) can be brought: a. For consumers (Fans):  Consumers - Law:  If you are a consumer, your agreement with us is governed by English law and English law will apply to (i) any claim that you have arising out of or in connection with your agreement with us or your use of Smart Payments, and (ii) any claim that we have against you that arises out of or in connection with your agreement with us or your use of Smart Payments (including, in both cases, non-contractual disputes or claims). You will also be able to rely on mandatory rules of the law of the country where you live.  Consumers - where claims must be brought:  If you are a consumer resident in the United Kingdom or the European Union, any claim which you have or which we have arising out of or in connection with your agreement with us or your use of Smart Payments (including, in both cases, non-contractual disputes or claims) may be brought in the courts of England and Wales or the courts of the country where you live.  If you are a consumer resident outside of the United Kingdom or the European Union, any claim which you have or which we have arising out of or in connection with your agreement with us or your use of Smart Payments (including, in both cases, non-contractual disputes or claims) must be brought in the courts of England and Wales. b. For business Users (Creators and Referring Users):  Business Users – Law:  If you are a business User, your agreement with us is governed by English law and English law will apply to (i) any claim that you have arising out of or in connection with your agreement with us or your use of Smart Payments, and (ii) any claim that we have arising out of or in connection with your agreement with us or your use of Smart Payments (including, in both cases non-contractual disputes or claims), without regard to conflict of law provisions.  Business Users - where claims must be brought:  If you are a business User, you and we agree that the courts of England and Wales shall have exclusive jurisdiction to resolve any dispute or claim (including non-contractual disputes or claims) which you have or which we have arising out of or in connection with your agreement with us (including its subject matter or formation) or your use of Smart Payments. c. Limitation period for bringing claims: Except where prohibited by applicable law, any claim or cause of action which you have concerning Smart Payments (including those arising out of or related to your agreement with us) must be filed within one year after the date on which such claim or cause of action arose or the date on which you learned of the facts giving rise to the cause of action (whichever is the earlier), or be forever barred. 17. Other terms which form part of your agreement with us: These Terms of Use for all Users govern your agreement with us. Certain other terms or policies forming part of the Terms of Service will also apply to you and form part of your agreement with us, as follows: a. Terms of Use for Fans – which contain additional terms which apply if you use Smart Payments as a Fan; b. Terms of Use for Creators – which contain additional terms which apply if you use Smart Payments as a Creator; c. Privacy Policy – which applies to all Users and tells you how we use your personal data and other information we collect about you; d. Acceptable Use Policy – which applies to all Users and tells you what you can and cant do on Smart Payments; e. Referral Program Terms – which outline the terms that apply if you participate in the Smart Payments Referral Program; f. Complaints Policy - which sets out the procedure for making a complaint about any aspect of Smart Payments, and how we will deal with that complaint; g. Platform to Business Regulation Terms – which contain additional terms which apply to Creators who are established or resident in the European Union or the United Kingdom; and h. Our Community Guidelines – which provide additional terms and guidance regarding your interactions with Smart Payments. If there is any conflict between these Terms of Use for all Users and any of the terms or policies listed at section 17(a) to (h) above, the Terms of Use for all Users will apply to the extent of the conflict. Last updated: December 2021 TERMS OF USE FOR FANS BY USING OUR WEBSITE AS A FAN YOU AGREE TO THESE TERMS – PLEASE READ THEM CAREFULLY 1. Introduction: These Terms of Use for Fans are additional terms which apply if you use Smart Payments as a Fan (also referred to as you and your in these Terms of Use for Fans). These Terms of Use for Fans form part of your agreement with us. 2. Interpretation: In these Terms of Use for Fans, defined terms have the same meanings given to them in the Terms of Use for all Users. In addition: a. VAT means United Kingdom value added tax and any other tax imposed in addition to or in substitution for it at the rate from time to time imposed and any equivalent or similar governmental, state, federal, provincial, or municipal indirect tax, charge, duty, impost or levy in any other jurisdiction; and b. Tax shall include all forms of tax and statutory, governmental, state, federal, provincial, local government or municipal charges, duties, imposts, contributions, levies, withholdings or liabilities wherever chargeable and whether of the UK or any other jurisdiction. 3. Other terms which will apply to your use of Smart Payments: The following terms will also apply to your use of Smart Payments and you agree to them: a. Our Terms of Use for all Users; b. Our Privacy Policy – which tells you how we use your personal data and other information we collect about you; c. Our Acceptable Use Policy – which tells you what you can and cant do on Smart Payments; d. Our Complaints Policy – which sets out the procedure for making a complaint about any aspect of Smart Payments, and how we will deal with that complaint; e. The Standard Contract between Fan and Creator – which does not form part of your agreement with us, but which governs and sets out the terms applicable to each Fan/Creator Transaction you enter into on Smart Payments; and f. Our Community Guidelines – which provide additional terms and guidance regarding your interactions with Smart Payments. 4. Other terms which may apply to your use of Smart Payments: The following additional terms may apply to your use of Smart Payments: a. If you are also a Creator, the Terms of Use for Creators will apply to your use of Smart Payments as a Creator; b. If you are a Creator who is established or resident in the European Union or the United Kingdom, then the Platform to Business Regulation Terms will also apply to you; and c. If you participate in the Smart Payments referral program, the Referral Program Terms will apply to your use of the Smart Payments Referral Program. 5. Your commitments to us: You warrant (which means you make a legally enforceable promise) that: a. you are at least 18 years old; b. if the laws of the country or State/province where you live provide that you can only be legally bound by a contract at an age which is higher than 18 years old, then you are old enough to be legally bound by a contract under the laws of the country or State/province where you live; c. you will provide such other information or verification records as we require. d. you are permitted by the laws of the country or State/province where you are located to join Smart Payments and to view any Content available on it and to use any functionality provided by it; and e. you are able and willing to make payment (where required) to view Content available on Smart Payments which you wish to view and to use any functionality provided by Smart Payments that you wish to use. 6. Content - general terms: In addition to the terms set out elsewhere in the Terms of Service (in particular in our Acceptable Use Policy), the following terms apply to the Content posted, displayed, uploaded or published by you as a Fan on Smart Payments: a. You warrant (which means that you make a legally enforceable promise to us) that for each item of Content which you post, display, upload or publish on Smart Payments: i. the Content complies in full with the Terms of Service (and in particular our Acceptable Use Policy); ii. you either own your Content (and all intellectual property rights in it) or have a valid license to your Content; and iii. if your Content includes or uses any third-party material, you have secured all rights, licenses, written consents and releases that are necessary for the use of such third-party property in your Content and for the subsequent use and exploitation of that Content on Smart Payments. b. You agree that you will be liable to us and indemnify us if any of the warranties at section 6(a) is untrue. This means you will be responsible for any loss or damage we suffer as a result of any warranty being untrue. c. We are not responsible for and do not endorse any aspect of any Content posted by you or any other User of Smart Payments. We do not have any obligation to monitor any Content and have no direct control over what your Content may comprise. 7. Adult material: You acknowledge that you are aware that some of the Content on Smart Payments contains adult material, and you agree to take this into account when deciding where to access and view Content. We will not be responsible to you if you suffer any loss or damage as a result of your accessing or viewing Content containing adult material in a way which places you in breach of any contract you have with a third party (for example, your employment contract) or in breach of any applicable law. 8. Subscriptions and purchases by Fans: This section describes the terms which apply to Fan/Creator Transactions: a. All Fan/Creator Transactions are contracts between Fans and Creators on the terms of the Standard Contract between Fan and Creator. Although we facilitate Fan/Creator Transactions by providing the Smart Payments platform and storing Content we are not a party to the Standard Contract between Fan and Creator or any other contract which may exist between a Fan and Creator, and are not responsible for any Fan/Creator Transactions. b. Creators are solely responsible for determining (within the parameters for pricing on Smart Payments) the pricing applicable to Fan/Creator Transactions and the Content to which you may be given access. All prices appear in USD only. c. Fan Payments are exclusive of VAT, which shall be added at the current rate as applicable to Fan Payments. d. To be able to enter into a Fan/Creator Transaction with a particular Creator, you must first add a payment card to your account and then click the Subscribe button on the relevant Creators profile. e. You authorize us and our subsidiary companies to supply your payment card details to a third-party payment provider for the purpose of processing your Fan Payment. All Fan Payments will be charged in USD. Your payment card provider may charge you currency conversion fees. We do not have control over currency exchange rates or charges imposed by your payment card provider or bank and we and our subsidiary companies will not be responsible for paying any charges or fees imposed by your payment card provider or bank. f. If you choose to provide details of two or more payment cards, then if you try to make a Fan Payment from the first card and the card is rejected for any reason, then the other payment card will be used to collect the full Fan Payment. g. The payment provider will take (i) periodic payments from your payment card for Fan Payments which are Subscriptions; and (ii) immediate payments from your payment card for Fan Payments other than Subscriptions (including any tips paid by you to a Creator). You authorize and consent to each of these payments being debited using your supplied payment card details. h. Apart from free-trial Subscriptions, all Subscriptions to a Creators profile will automatically renew at the end of the relevant subscription period, except if your payment card is declined, the subscription price for the Subscription has increased, or you have turned off the Auto-Renew switch located on the relevant Creators profile. This means that if you want to stop subscribing to a Creators profile and paying continuing monthly subscription charges, you will need to turn off the Auto-Renew switch located on the relevant Creators profile. i. If you cancel a Subscription you will continue to be permitted to view the relevant Creators Content until the end of the subscription period in which you cancelled, after which no further payments will be taken from your payment card in respect of subscriptions to that Creators profile (unless you choose to pay for a new Subscription to that Creators profile), and you will no longer be able to view the relevant Creators Content. j. You agree that you will not make unjustified requests for a refund in respect of any Fan/Creator Transaction or tip to a Creator, or unjustified chargeback requests of your payment card provider in relation to any Fan/Creator Transaction or tip to a Creator. If we consider that any request for a refund or chargeback request was made by you in bad faith, we have the right to suspend or delete your User account. k. Wallet credits: You can prepay an amount on Smart Payments (known as Wallet Credits) which you can later use to make Fan Payments. Purchases on Smart Payments cannot be divided - if you attempt a purchase that costs more than the total amount of your remaining Wallet Credits, your payment card will be charged the full amount for that purchase. Wallet Credits are subject to a maximum amount as determined by us from time to time. Interest will not accrue on Wallet Credits. Wallet Credits are non-refundable, which means that you are not entitled to a refund of any unused Wallet Credits. 9. Suspension of your User account: If we suspend your User account in accordance with our rights under the Terms of Service, then any Fan Payments which would otherwise have fallen due during the period of suspension of your User account will be suspended during the period of the suspension of your User account. Last updated: December 2021 TERMS OF USE FOR CREATORS BY USING OUR WEBSITE AS A CREATOR YOU AGREE TO THESE TERMS – PLEASE READ THEM CAREFULLY 1. Introduction: These Terms of Use for Creators are additional terms which apply if you use Smart Payments as a Creator (also referred to as you and your in these Terms of Use for Creators). These Terms of Use for Creators form part of your agreement with us. 2. Interpretation: In these Terms of Use for Creators, defined terms have the same meanings given to them in the Terms of Use for all Users. In addition: a. VAT means United Kingdom value added tax and any other tax imposed in addition to or in substitution for it at the rate from time to time imposed and any equivalent or similar governmental, state, federal, provincial, or municipal indirect tax, charge, duty, impost or levy in any other jurisdiction; and b. Tax shall include all forms of tax and statutory, governmental, state, federal, provincial, local government or municipal charges, duties, imposts, contributions, levies, withholdings or liabilities wherever chargeable and whether of the UK or any other jurisdiction. 3. Other terms which will apply to your use of Smart Payments: The following terms will also apply to your use of Smart Payments and you agree to them: a. Our Terms of Use for all Users; b. Our Privacy Policy – which tells you how we use your personal data and other information we collect about you; c. Our Acceptable Use Policy – which tells you what you can and cant do on Smart Payments; d. Our Complaints Policy – which sets out the procedure for making a complaint about any aspect of Smart Payments, and how we will deal with that complaint; e. The Standard Contract between Fan and Creator – which does not form part of your agreement with us, but which governs and sets out the terms applicable to each Fan/Creator Transaction you enter into on Smart Payments; and f. Our Community Guidelines – which provide additional terms and guidance regarding your interactions with Smart Payments. 4. Other terms which may apply to your use of Smart Payments: The following additional terms may apply to your use of Smart Payments: a. If you are established or resident in the European Union or the United Kingdom, then the Platform to Business Regulation Terms will also apply to you; b. If you are also a Fan, the Terms of Use for Fans will also apply to your use of Smart Payments as a Fan; and c. If you participate in the Smart Payments Referral Program, the Referral Program Terms will apply to your use of the Smart Payments Referral Program. 5. What are the fees that we charge Creators for the use of Smart Payments? We charge a fee to you of twenty per cent (20%) of all Fan Payments made to you (exclusive of any VAT element of the Fan Payment) (called Our Fee. The remaining eighty per cent (80%) of the Fan Payment (exclusive of any VAT element of the Fan Payment) is payable to you (called Creator Earnings). Our Fee includes the costs of providing, maintaining and operating Smart Payments and storing your Content. Our Fee is deducted from the Fan Payment, and Creator Earnings are paid to you in the way described in the Payouts to Creators section below. 6. How to set up your account as a Creator account: To set up your account as a Creator account: a. You will need on your User account page to upload a valid form of ID and two photos of you in accordance with the requirements set out here. b. You will need on your User account page to add a bank account or payment details of your bank account or a payment method. c. You will need on your User account page to select one of the available methods provided by Smart Payments as to how your Creator Earnings will be transferred to you. These methods are called Payout Options. d. If you are registered for VAT in the UK, you will need to provide us with your valid UK VAT number. See the Promoting Tax compliance and VAT section of these Terms of Use for Creators in relation to UK VAT. e. You may also need to submit additional information depending on the country where you live. f. We may ask you for additional age or identity verification information at any time. We may reject your application to set up a Creator account for any reason, including the reasons stated here. g. Once you have set up your account as a Creator account, then if you want to charge your Fans a monthly subscription fee you will need to set your subscription price for your Fans within the range allowed by Smart Payments as set out here. h. You will then be able to start adding Content and Users will be able to subscribe to your account to become your Fans. i. If you lose access to your account, you can reset your password, but you will need to know the email address used to set up the account to do so. If you do not recall the email address used to set up the account, we may require you to provide identification documents and photos and any additional evidence we may reasonably require to prove your identity. 7. Personal legal responsibility of Creators: Only individuals can be Creators. Every Creator is bound personally by the Terms of Service. If you have an agent, agency, management company or other third party which assists you with the operation of your Creator account (or operates it on your behalf), this does not affect your personal legal responsibility. Our relationship is with you, and not with any third party, and you will be legally responsible for ensuring that all Content posted and all use of your account complies with the Terms of Service. 8. Fan/Creator Transactions: This section describes the terms which apply to Fan/Creator Transactions: a. All Fan/Creator Transactions are contracts between Fans and Creators on the terms of the Standard Contract between Fan and Creator. Although we facilitate Fan/Creator Transactions by providing the Smart Payments platform and storing Content, we are not a party to the Standard Contract between Fan and Creator or any other contract which may exist between a Fan and Creator, and are not responsible for any Fan/Creator Transaction. b. Fan Payments are exclusive of VAT, which shall be added at the current rate as applicable to Fan Payments. c. When you receive confirmation from Smart Payments, either in the Statements page of your User account or by email (or both), that the Fan/Creator Transaction has been confirmed, you must perform your part of such Fan/Creator Transaction (for example, by allowing the Fan to view the Content on your Creator account and/or providing the customised Content paid for by the Fan and/or allowing the Fan to use the fan interaction function paid for (as applicable)). You agree that you will indemnify us for any breach by you of this obligation (which means you will be responsible for any loss or damage (including loss of profit) we suffer as a result of you failing to comply with this obligation). 9. Content – general terms: In addition to the terms set out elsewhere in the Terms of Service (in particular in our Acceptable Use Policy), the following terms apply to the Content posted, displayed, uploaded or published by you as a Creator on Smart Payments: a. Your Content is not confidential, and you authorize your Fans to access and view your Content on Smart Payments for their own lawful and personal use, and in accordance with any licenses that you grant to your Fans. b. You warrant (which means that you make a legally enforceable promise to us) that for each item of Content which you post, display, upload or publish on Smart Payments: i. the Content complies in full with the Terms of Service (and in particular our Acceptable Use Policy); ii. you hold all rights necessary to license and deal in your Content on Smart Payments, including in each territory where you have Fans and in the United Kingdom; iii. you either own your Content (and all intellectual property rights in it) or have a valid license to offer and supply your Content to your Fans; iv. if your Content includes or uses any third-party material, you have secured all rights, licenses, written consents and releases that are necessary for the use of such third-party property in your Content and for the subsequent use and exploitation of that Content on Smart Payments; and v. the Content is: 1. of satisfactory quality, taking account of any description of the Content, the price, and all other relevant circumstances including any statement or representation which you make about the nature of the Content on your account or in any advertising; 2. reasonably suitable for any purpose which the Fan has made known to you is the purpose for which the Fan is using the Content; and 3. as described by you. c. You agree that you will be liable to us and indemnify us if any of the warranties at section 9(b) is untrue. This means you will be responsible for any loss or damage (including loss of profit) we suffer as a result of any of the warranties being untrue. d. We are not responsible for and do not endorse any aspect of any Content posted by you or any other User of Smart Payments. We do not have any obligation to monitor any Content and have no direct control over what your Content may comprise. e. You also agree to act as custodian of records for the Content that you upload to Smart Payments. 10. Advertising on Smart Payments: a. If you post or upload video Content to your Creator account which is designed to promote, directly or indirectly, a third-party goods, services or image in return for payment, other valuable consideration, or self-promotional purposes (including advertising, sponsorship, and product placement) (together Advertising Content), then you must comply with the requirements set out in sections 10(b) and (c) of these Terms of Use for Creators. b. Requirements – Advertising Content: You must ensure that any Advertising Content which you post to your Creator account: i. does not: 1. prejudice respect for human dignity; 2. include or promote discrimination based on sex, racial or ethnic origin, nationality, religion or belief, disability, age or sexual orientation; 3. encourage behaviour prejudicial to health or safety; 4. encourage behaviour grossly prejudicial to the protection of the environment; 5. cause physical, mental or moral detriment to any person; 6. directly urge persons to purchase or rent goods or services in a manner which exploits their inexperience or credulity; 7. directly encourage persons to persuade others to purchase or rent goods or services; 8. exploit the trust of persons in others; or 9. unreasonably show persons in dangerous situations; ii. does not advertise cigarettes and other tobacco products, electronic cigarettes and electronic cigarette refill containers, illegal drugs, or any prescription-only medicine; iii. does not advertise, promote, or facilitate illegal gambling, and iv. in respect of any Advertising Content for alcoholic drinks, is not aimed at minors and does not encourage immoderate consumption of alcohol. c. Transparency requirement - Advertising Content: You must declare that any Advertising Content which you post or upload to Smart Payments contains advertising by including the signifier #ad in the caption to the Advertising Content before posting or uploading. 11. Co-authored Content: a. If you upload Content to your Creator account which shows anyone else other than or in addition to you (even if that person cannot be identified from the Content) (Co-Authored Content), you warrant (which means you make a legally enforceable promise to us) that each individual shown in any Co-Authored Content uploaded to your account is i) a Creator on Smart Payments; or ii) a consenting adult, and that you have verified the identity and age of each such individual and will provide supporting documents as we may request in our discretion. b. You further warrant that you have obtained and keep on record written consent from each individual shown in your Co-Authored Content that such individual: i. has given his or her express, prior and fully informed consent to his or her appearance in the Co-Authored Content; and ii. has consented to the Co-Authored Content in which he or she appears being posted on Smart Payments. c. In addition to the confirmations in sections 11(a) and (b) above, you agree that if you upload Co-Authored Content where the other person or people appearing in the Content maintain a Creator account on Smart Payments, you will tag the Smart Payments account(s) of any person or people appearing in the Co-Authored Content who can be identified from it. d. If any Co-Authored Content is a work of joint authorship, you are solely responsible for obtaining any required licenses or consents from any other joint authors of the Content which are sufficient to permit such Content to be uploaded to and made available on Smart Payments. e. You agree that we will only arrange for Creator Earnings to be paid to the account of the Creator to which the Co-Authored Content is uploaded. The Creator who uploaded the Co-Authored Content is solely responsible for dividing and distributing any revenue generated from the Co-Authored Content between the individuals shown in such Co-Authored Content. Any such revenue-sharing agreement shall be an independent, private agreement between you and such individual(s), and we are not responsible for providing or enforcing any such agreements. You understand and agree that you are not entitled to any Creator Earnings earned on any Co-Authored Content in which you appear but which is posted on another Creators account. If you post Co-Authored Content on your account, we may require you to provide valid and complete legal information for all individuals which appear in the Co-Authored Content. If you fail to provide any information requested by us upon our request, we may delete the Co-Authored Content, restrict your rights and permissions to post as a Creator, terminate your account, and/or withhold all or any portion of Creator Earnings earned but not yet paid out to you. f. You agree to release us from and not to make any claims against us arising from Co-Authored Content. You agree that all claims arising from Co-Authored Content shall be made against the Creator(s) who posted Co-Authored Content or the individual(s) who appeared in the Co-Authored Content (as applicable). 12. Payouts to Creators: a. All Fan Payments will be received by a third-party payment provider approved by us. b. If you have chosen the Stripe Payout Option, Stripe will collect the Fan Payment and pay the Creator Earnings to your bank account. c. Where Stripe is not the Payout Option chosen by you, Our Fee will be deducted from the Fan Payment received and your Creator Earnings will be held by us or one of our subsidiary companies on your behalf. d. Your Smart Payments account will be updated within a reasonable time with your Creator Earnings. Your Creator Earnings will become available for withdrawal by you from your Smart Payments account once such Creator Earnings appear in your Smart Payments account. e. To make a withdrawal of Creator Earnings from your Smart Payments account, you must have at least the minimum payout amount in your Smart Payments account. Please click on the Banking page on your account to see what the minimum payout amount is for your country of residence and Payout Option. f. The amount that you see in your current balance in your Smart Payments account is your Creator Earnings at the relevant time. All Fan Payments and Creator Earnings are transacted in USD only. If you have chosen the Stripe Payout Option then the Fan Payments and Creator Earnings figures will be reflected in your local currency, at an exchange rate controlled by Stripe. Your bank may charge you currency conversion or transfer fees to receive the money. Additionally, your e-wallet company may charge you a fee for accessing the money. We do not have control over currency exchange rates or charges imposed by your bank or your e-wallet company, and we and our subsidiary companies will not be responsible for paying any charges imposed by your bank or your e-wallet company. g. If a Fan successfully seeks a refund or chargeback from their credit card provider in respect of a Fan Payment made to you, we may investigate and may decide to deduct from your account an amount equal to the Creator Earnings earned by you on the charged-back or refunded amount. h. Except for Payout Options involving payment by direct bank transfer, we do not store any data disclosed by you when you register your Payout Options with a third-party payment provider. 13. Circumstances in which we may withhold Creator Earnings: a. We may withhold all or any part of the Creator Earnings due to you but not yet paid out: i. if we think that you have or may have seriously or repeatedly breached any part of the Terms of Service; ii. if you attempt or threaten to breach any part of the Terms of Service in a way which we think has or could have serious consequences for us or another User (including actual or possible loss caused to us or another User); or iii. if we suspect that all or any part of the Creator Earnings result from unlawful or fraudulent activity, either by you or by the Fan who made the Fan Payment resulting in the Creator Earnings, for as long as is necessary to investigate the actual, threatened or suspected breach by you or the suspected unlawful activity (as applicable). If following our investigation, we conclude that (i) you have seriously or repeatedly breached any part of the Terms of Service; (ii) you have attempted or threatened to breach any part of the Terms of Service in a way which has or could have serious consequences for us or another User (including actual or possible loss caused to us or another User), and/or (iii) the Creator Earnings result from unlawful or fraudulent activity, we may notify you that you have forfeited your Creator Earnings. b. We may also withhold all or any part of the Creator Earnings due to you but not yet paid out if we receive notice that you have secured, encumbered, pledged, assigned, or otherwise allowed a lien to be placed on Creator Earnings. We undertake no duty to pay Creator Earnings to third-party lienholders and may withhold payment of Creator Earnings until the lien has been removed. c. We shall not have any responsibility to you if we withhold or forfeit any of your Creator Earnings where we have a right to do so under these Terms of Use for Creators. d. If we are withholding all or any part of the Creator Earnings due to you and we determine that part of the Creator Earnings withheld by us is unrelated to breaches by you of the Terms of Service or suspected unlawful or fraudulent activity, then we may arrange for you to be paid the part of the Creator Earnings which we determine to be unrelated to breaches by you of the Terms of Service or suspected unlawful or fraudulent activity. However, you agree that if we consider that your breach(es) of the Terms of Service has or may cause us loss, we may withhold all Creator Earnings due to you but not yet paid and we may set off such amounts against any losses suffered by us. e. If once we have finished our investigation we determine that Creator Earnings are forfeited, we will (unless prohibited by law) use our best efforts to ensure that any Fan Payments which resulted in forfeited Creator Earnings are returned to the relevant Fans who paid such Fan Payments. 14. Promoting Tax compliance and VAT: a. General: i. We recommend that all Creators seek professional advice to ensure you are compliant with your local Tax and VAT rules, based on your individual circumstances. ii. By using Smart Payments as a Creator, you warrant (which means you make a legally enforceable promise) that you have reported and will report in the future the receipt of all payments made to you in connection with your use of Smart Payments to the relevant Tax authority in your jurisdiction, as required by law. iii. By using Smart Payments as a Creator you warrant (which means you make a legally enforceable promise) that you will at all times comply with all laws and regulations relating to Tax which apply to you. If, at any point whilst you have an Smart Payments account, any Tax non-compliance occurs in relation to you (including a failure by you to report earnings or the imposition on you of any penalty or interest relating to Tax) or if any litigation, enquiry, or investigation is commenced against you that is in connection with, or which may lead to, any occurrence of Tax non-compliance, you agree that you will: 1. notify us by email to vat@Smart Payments.com in writing within 7 days of the occurrence of the Tax non-compliance or the commencement of the litigation, enquiry or investigation (as applicable); and 2. promptly provide us by email to vat@Smart Payments.com with: a. details of the steps which you are taking to address the occurrence of the Tax non-compliance and to prevent the same from happening again, together with any mitigating factors that you consider relevant; and b. such other information in relation to the occurrence of the Tax non-compliance as we may reasonably require. iv. For the avoidance of doubt, you are responsible for your own Tax affairs and we and our subsidiary companies (i) are not responsible for advising you on your Tax affairs and will not be liable in respect of any general information provided on Smart Payments or by support@Smart Payments.com in respect of Tax, and (ii) will not be liable for any non-payment of Tax by Creators. v. We reserve the right to close your Smart Payments account if we are notified of or become aware of any Tax non-compliance by you. b. UK VAT and UK established Creators: i. For the purposes of UK VAT only, Creators are treated as providing their services to Smart Payments, rather than to Fans directly. ii. If you are a Creator registered for UK VAT: 1. You will be treated, for VAT purposes, as charging Smart Payments your Creator Earnings (80% of all and any Fan Payments), together with UK VAT at the prevailing rate in force at the time of the Fan Payment; 2. Smart Payments also agrees that, subject to the terms set out in this section of these Terms of Use for Creators, you can add UK VAT at the prevailing rate in force at the time of the referral payment to the amount of any referral payments payable to you under the Referral Program Terms ( Referral Payments). 3. You agree to use the Smart Payments VAT invoice generator tool which can be found at: https://bigroupsolutions.com/, addressed to BIGroup Solutions, in respect of your Creator Earnings (and Referral Payments, if any) for the relevant period together with the VAT on such Creator Earnings (and Referral Payments, if any); 4. The VAT element added to your Creator Earnings (and Referral Payments, if any) (the VAT Amount) will be paid to you by way of a separate payment outside of your regular Creator Earnings, provided that you must have submitted to us copies of the following before payment of the VAT Amount will be made to you: a. your VAT registration number by completing this form https://bigroupsolutions.com; b. a valid VAT invoice generated and submitted using the Smart Payments VAT invoice generator tool and uploaded using https://bigroupsolutions.com; and c. a VAT return made to HM Revenue & Customs, including a value of taxable supplies equal to or greater than the aggregate value of your Creator Earnings (and Referral Payments, if any) for the relevant period. You can find the monthly earning details at https://bigroupsolutions.com/ iii. You shall pay the VAT Amount which is paid to you directly to HM Revenue & Customs. iv. If you need any further information or assistance on what is needed in order to receive the VAT Amount you can email vat@Smart Payments.com. v. More information on who is required to register for VAT in the UK, and the VAT position for Creators whose earnings are not above the earnings threshold or who are not VAT registered can be found at https://bigroupsolutions.com. vi. You agree that you will keep copies of all VAT invoices and VAT returns in connection with your earnings from Smart Payments and you will provide us with copies of such documents within 14 days of our written request that you do so. For the avoidance of doubt, it is your obligation to comply with all provisions of VAT legislation and make, give, obtain, maintain and keep accurate, complete and up-to-date records, invoices, accounts and other documents required for the purposes of the VAT legislation. vii. If you are a Creator in the UK who is not required to register for UK VAT, then you should monitor the level of taxable sales that you make in the UK (including any Referral Payments) to ensure you have not exceeded the VAT registration threshold in the UK. It is your obligation, as a taxable person, to monitor whether you have exceeded the VAT registration threshold. viii. We do not monitor earnings that Creators receive from other income sources. However, we will monitor the annual earnings of UK Creators on our platform, and if you are not already VAT registered and your earnings exceed the VAT registration threshold, you will receive a notification from us asking you to register for VAT. If you receive such a VAT registration notification, you agree to register for VAT as soon as possible and to send your VAT registration number to us at vat@Smart Payments.com, within 6 weeks of such notification. Failure to do so may result in your Smart Payments account being closed. Last updated: December 2021 ACCEPTABLE USE POLICY BY USING OUR WEBSITE YOU AGREE TO THIS POLICY – PLEASE READ IT CAREFULLY This Policy applies to your use of Smart Payments and all Content on Smart Payments and forms part of your agreement with us. This Policy sets out what is and is not permitted on Smart Payments. In this Policy, defined terms have the same meanings as in our Terms of Use for all Users. 1. Do not use Smart Payments except for your own personal use and do not sell, rent, transfer, or share your account or any Content obtained from your use of Smart Payments to or with anyone else. 2. Only use Smart Payments in a manner and for a purpose that is lawful. 3. Do not upload, post, display, or publish Content on Smart Payments that is illegal, fraudulent, defamatory, hateful, discriminatory, threatening or harassing, or which encourages or promotes violence or any illegal activity. 4. Do not use Smart Payments in any way which may exploit, harm, or attempt to exploit or harm any individual under 18 years old, for example by exposing them to inappropriate Content. 5. Do not upload, post, display, or publish Content on Smart Payments that: a. shows, includes or refers to: i. any individual under 18 years old (or which refers to individuals under 18 years old generally); or ii. any other individual unless you have written documentation which confirms that all individuals shown or included or referred to in your Content are at least 18 years old, and you have a written consent from each individual to use their name or images (or both) in the Content; b. shows, promotes, advertises or refers to: i. firearms, weapons, or any goods whose sale, possession or use is subject to prohibitions or restrictions; ii. drugs or drug paraphernalia; iii. self-harm or suicide; iv. incest; v. bestiality; vi. violence, rape, lack of consent, hypnosis, intoxication, sexual assault, torture, sadomasochistic abuse or hardcore bondage, extreme fisting, or genital mutilation; vii. necrophilia; viii. urine, scatological, or excrement-related material; ix. revenge porn (being any sexually explicit material featuring any individual who has not given prior, express and fully informed consent to that material (a) being taken, captured, or otherwise memorialized, or (b) being posted and shared on Smart Payments); x. escort services, sex trafficking, or prostitution; c. contains unsolicited sexual content or unsolicited language that sexually objectifies another User or anyone else in a non-consensual way, or contains fake or manipulated sexual content in relation to another User or anyone else (including deepfakes); d. contains, promotes, advertises or refers to hate speech (being Content intended to vilify, humiliate, dehumanize, exclude, attack, threaten, or incite hatred, fear of, or violence against, a group or individual based on race, ethnicity, national origin, immigration status, caste, religion, sex, gender identity or expression, sexual orientation, age, disability, serious disease, veteran status, or any other protected characteristic); e. contains or refers to anyone elses personal data or private or confidential information (for example, telephone numbers, location information (including street addresses and GPS coordinates), names, identity documents, email addresses, log-in credentials for Smart Payments including passwords and security questions, financial information including bank account and credit card details, biometric data, and medical records) without that persons express written consent; f. either: i. in the case of Content featuring public nudity, was recorded in or is being broadcast from a country, State or province where public nudity is illegal; or ii. in the case of Content featuring sexual activities, was recorded in or is being broadcast from a public place where members of the public are reasonably likely to see the activities being performed (this does not include outdoor places where members of the public are not present, for example private property such as a private backyard, or secluded areas in nature where members of the public are not present). g. gives the impression that it comes from or is approved, licensed or endorsed by us or any other person or company; h. causes or is calculated to cause inconvenience, or anxiety to anyone else or which is likely to upset, embarrass, or cause serious offence to anyone else; i. is used or is intended to be used to extract money or another benefit from anyone else in exchange for removal of the Content; and/or j. involves or promotes third-party commercial activities or sales, such as contests, sweepstakes and other sales promotions, product placements, advertising, or job posting or employment ads without our prior express consent. 6. You must comply with any requirements set out in our Community Guidelines. Our Community Guidelines can be found here. 7. Do not use Smart Payments to stalk, bully, abuse, harass, threaten or intimidate anyone else. 8. Do not use Smart Payments to engage in misleading or deceptive conduct, or conduct that is likely to mislead or deceive any other User. 9. Respect the intellectual property rights of Creators, including by not recording, reproducing, sharing, communicating to the public or otherwise distributing their Content without authorization. 10. Do not do anything that violates our or someone elses rights, including intellectual property rights (examples of which are copyright, trademarks, confidential information, and goodwill), personality rights, unfair competition, privacy, and data protection rights. 11. Do not impersonate us, one of our employees, another User, or any other person or company or falsely state or suggest any affiliation, endorsement, sponsorship between you and us or any other person or company. 12. Do not provide false account registration information or make unauthorized use of anyone elses information or Content. 13. Do not post or cause to be posted any Content which is spam, which has the intention or effect of artificially increasing any Creators views or interactions, or which is otherwise inauthentic, repetitive, misleading or low quality. 14. Do not transmit, stream, or otherwise send any pre-recorded audio or video material during a live stream or otherwise attempt to pass off recorded material as a live stream. 15. Do not use other media or methods (for example the use of codewords or signals) to communicate anything which violates this Policy. 16. Do not reproduce, print, distribute, attempt to download, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any Content, except as permitted under the Terms of Service. 17. Do not knowingly introduce any viruses, trojans, worms, logic bombs or other material into Content which is or may be malicious or technologically harmful. 18. Do not decompile, disassemble, reverse engineer, or otherwise attempt to discover or derive the source code of Smart Payments. 19. Do not use Smart Payments in a way that could adversely affect our systems or security or interfere with any other Users use of Smart Payments, including their ability to engage in real-time activities through Smart Payments. 20. Do not use any automated program, tool or process (such as web crawlers, robots, bots, spiders, and automated scripts) to access Smart Payments or any server, network or system associated with Smart Payments, or to extract, scrape, collect, harvest or gather Content or information from Smart Payments. 21. Do not use Smart Payments name, logo or any related or similar names, logos, product and service names, designs, or slogans other than in the limited ways which are expressly permitted in the Terms of Service or with our prior written agreement. Breaches of this Policy may lead to your account being suspended or terminated, and access to your earnings being revoked, as set out in the Terms of Service. Last updated: December 2021 REFERRAL PROGRAM TERMS WARNING! In compliance with regulation 3 of the Trading Scheme Regulations 1997 (as amended) and section 120(1) of the Fair Trading Act 1973, please read the warning below in respect of the Smart Payments Referral Program: • It is illegal for us or for a participant in the Smart Payments Referral Program (including Referring Users and Referred Creators) to persuade anyone to make a payment by promising benefits from getting others to join the Smart Payments Referral Program. • Do not be misled by claims that high earnings are easily achieved from participation in the Smart Payments Referral Program. • Although we do not demand any payment from Referring Users for the purposes of participating in the Smart Payments Referral Program, we are legally required to inform you that if you sign this contract, you have 14 days in which to cancel and get your money back. 1. Introduction: These Referral Program Terms are additional terms which apply if you use the Smart Payments Referral Program. These Referral Program Terms form part of your agreement with us. 2. Interpretation: In these Referral Program Terms defined terms have the same meanings given to them in the Terms of Use for all Users. In addition: a. Referring User is also referred to as you or your in these Referral Program Terms; b. Referred Creator means the person who joins Smart Payments as a Creator via the Referring Users unique referral link. 3. What is the Smart Payments Referral Program? Smart Payments offers a referral program by which existing Users can introduce people who are interested in becoming Creators to Smart Payments and receive referral payments from Smart Payments which are calculated and limited as described in these Referral Program Terms. The Smart Payments Referral Program is operated by BIGroup Solutions. We are a limited company registered in England and Wales, with company registration number 10354575 and we have our registered office address at 9th Floor, 107 Cheapside, London, EC2V 6DN. 4. The rules of the Smart Payments Referral Program: a. Only Users of Smart Payments with a current User account can participate in the Smart Payments Referral Program. If a Users account has been suspended or terminated by us for any reason or deleted by the User, that User will not be eligible to participate in the Smart Payments Referral Program. b. You will need on your User account page to add a bank account or a payment method details of your bank account or a payment method in order to receive referral payments under the Smart Payments Referral Program. c. Each User has a unique referral link (which can be accessed via the Users User account) which the User may share with others. When sharing your unique referral link you must not impersonate Smart Payments or give the impression that your referral link is being shared or promoted by us. You must not use Google Ads or any similar advertising platform or search engine advertising service to share or promote your unique referral link. Upon our request, you must disclose the methods by which you share your unique referral link in the Bio/Website field of your Smart Payments account. d. The Referred Creator must click on your unique referral link and then register with Smart Payments using the same browser that they used to click on your unique referral link. If someone registers with Smart Payments other than by using your unique referral link, we will not link that account to your referral and no referral payments will be made to you. e. The Referred Creator must not have opened a User account with Smart Payments (whether under the same name or another name) before clicking on your unique referral link. If the Referred Creator is currently or has previously been a User of Smart Payments no referral payments will be made to you for the referral. f. If the Referred Creator sets up more than one User account referral payments will be made to you on the earnings made by the Referred Creator from their first User account only. No referral payments will be made to you on any further User accounts set up by the Referred Creator. g. No referral payments will be made to you on any referral of a Referred Creator which we determine is owned or operated by you, or is in a commercial relationship with you. You will provide any information which we request to enable us to determine whether the Referred Creator is owned or operated by you or if there is a commercial relationship between you and the Referred Creator. h. You agree that when promoting Smart Payments in any way as a Referring User:  you will not give a false impression of Smart Payments, the services, programs, and content (including Content) made available through Smart Payments, its Users or the Terms of Service; and  you will not make any statements which suggest to a potential Creator that the potential Creator will make a particular sum of money (or any money) from their use of Smart Payments, or any statements regarding the likely number of Fans. 5. Referral payments: a. How are referral payments calculated? Once a Referred Creator has become a registered User of Smart Payments in accordance with the rules of the Smart Payments Referral Program described above, the Referring User will be paid a referral payment equal to five per cent (5%) of Fan Payments generated by the Referred Creator in the twelve months after the date on which the Referred Creator becomes a registered User of Smart Payments, up to a maximum referral payment by Smart Payments to the Referring User of US$50,000 per Referred Creator. This means that if a Referred Creator generates Fan Payments with a total value of US$1 million or more in the twelve months after the date on which that Referred Creator becomes a registered User of Smart Payments, then the Referring Users referral payments in relation to that Referred Creator will be capped at US$50,000 in total. However, if the Referred Creator generates Fan Payments with a total value of less than US$1 million in the twelve months after the date on which that Referred Creator becomes a registered User of Smart Payments, then the Referring User will be paid five per cent (5%) of the Fan Payments generated by that Referred Creator in the twelve months after the date on which the Referred Creator becomes a registered User of Smart Payments, following which no further referral payments will be made to the Referring User in respect of that Referred Creator. For all referrals made prior to 1 May 2020, referral payments will be made to the relevant Referring Users until 1 May 2021 or until US$50,000 has been paid out to the Referring User on the referral, whichever occurs first. b. VAT: If you are a Referring User you should know that all referral payments payable to you by us will be inclusive of any VAT (as defined in the Terms of Use for Creators) which is or becomes chargeable on any supplies made by you, except as provided for in the Promoting Tax compliance and VAT section of the Terms of Use for Creators. c. Warning: In compliance with regulation 3 of the Trading Scheme Regulations 1997 (as amended) and section 120(1) of the Fair Trading Act 1973, please read the warning below in respect of the Smart Payments Referral Program:  It is illegal for us or for a participant in the Smart Payments Referral Program (including Referring Users and Referred Creators) to persuade anyone to make a payment by promising benefits from getting others to join the Smart Payments Referral Program.  Do not be misled by claims that high earnings are easily achieved from participation in the Smart Payments Referral Program. d. Choosing a payout method to receive referral payments: In order to be able to receive referral payments you must first choose one of the payout methods provided by Smart Payments in your country of residence. These methods are called Payout Options. e. How frequently are referral payments made? The referral payment due to you on Fan Payments made to the Referred Creator in a calendar month will be transferred to you on or around the first day of the next calendar month (which means, for example, that referral payments due to you in respect of Fan Payments made to the Referred Creator in February shall be paid to you on or around 1 March). f. Who bears the cost of the referral payment? The cost of the referral payment is borne by us, not the Referred Creator. 6. Our rights relating to the referral program. a. If referral payments have been made incorrectly then we have the right to recover the wrongly paid sums from the User to whom the wrongly paid sums have been paid. b. We may request you or Referred Creators (or both) to provide us with ID and other information reasonably required by us to verify any referral payment to be made and the person to whom any referral payment should be made. Failure to provide any information requested by us may lead to you losing your entitlement to referral payments in respect of the relevant Referred Creator. c. We may change any aspect of the Smart Payments Referral Program (including how referral payments are calculated) or discontinue the Smart Payments Referral Program at any time, but no change will deprive any Referring User of referral payments already earned based on Fan Payments made to Referred Creators before the changes came into effect. 7. Circumstances in which we may withhold referral payments: a. We may withhold all or any part of the referral payments due to you but not yet paid out:  if we think that you have or may have seriously or repeatedly breached any part of the Terms of Service;  if you attempt or threaten to breach any part of the Terms of Service in a way which has or could have serious consequences for us or another User (including actual or possible loss caused to us or another User); or  if we suspect that all or any part of the referral payments due to you result from unlawful or fraudulent activity, either by you, by the Fan who made the Fan Payment to the Referred Creator which resulted in the referral payment, or by the Referred Creator to whom the Fan Payment was made which resulted in the referral payment, for as long as is necessary to investigate the actual, threatened or suspected breach(es) by you or the suspected unlawful or fraudulent activity (as applicable). If following our investigation, we conclude that (i) you have seriously or repeatedly breached any part of the Terms of Service; (ii) you have attempted or threatened to breach any part of the Terms of Service in a way which has or could have serious consequences for us or another User (including actual or possible loss caused to us or another User), and/or (iii) all or any part of referral payments due to you result from unlawful or fraudulent activity, we may notify you that you have forfeited all or any part of your referral payments. b. We may also withhold all or any part of the referral payments due to you but not yet paid out if we receive notice that you have secured, encumbered, pledged, assigned, or otherwise allowed a lien to be placed on, referral payments. We undertake no duty to pay referral payments to third-party lienholders and may withhold payment of Creator Earnings until the lien has been removed. c. We shall not have any responsibility to you if we withhold or forfeit any payment due to you under the Smart Payments Referral Program where we have a right to do so under these Referral Program Terms. d. If we are withholding all or any part of the referral payments due to you and we determine that part of the referral payments withheld by us is unrelated to breaches by you of the Terms of Service or suspected unlawful or fraudulent activity, then we may arrange for you to be paid the part of the referral payments which is unrelated to breaches by you of the Terms of Service or suspected unlawful or fraudulent activity. However, you agree that if we consider that your breach(es) of the Terms of Service has or may cause us loss, we may withhold all referral payments due to you but not yet paid and we may set off such amounts against any losses suffered by us. Last updated: December 2022 COMPLAINTS POLICY 1. Introduction: This document set out our complaints policy. If you are a User of Smart Payments, this Complaints Policy forms part of your agreement with us. 2. Who we are and how to contact us: Smart Payments is operated by BIGroup Solutions. We are a limited company registered in England and Wales, with company registration number 10354575 and we have our registered office address at 9th Floor, 107 Cheapside, London, EC2V 6DN. 3. Interpretation: In this Complaints Policy, defined terms have the same meanings given to them in the Terms of Use for all Users. In addition, the term business days means any day which is not a Saturday, Sunday or public holiday in England. 4. Who can use this Complaints Policy? Whether or not you are a User of Smart Payments, you can use this Complaints Policy to alert us to any complaint which you have relating to Smart Payments. 5. How to make a complaint: If you have a complaint about Smart Payments (including any complaint about Content appearing on Smart Payments or the conduct of a User), please send your complaint to support@Smart Payments.com including your name, address, contact details, a description of your complaint and, if your complaint relates to Content, the URL for the Content to which your complaint relates. If you are unable to contact us by email, please write to us at the following address: 9th Floor, 107 Cheapside, London, EC2V 6DN. 6. How we will deal with complaints of illegal or non-consensual Content: Following receipt of your complaint of illegal or non-consensual Content under section 5 above: a. we will take such steps as we consider to be appropriate to investigate your complaint within a timescale which is appropriate to the nature of your complaint; b. if we require further information or documents from you, we will contact you to let you know; c. we will in good faith investigate your complaint within seven (7) business days; d. if we are satisfied that the Content is unlawful or non-consensual, we will immediately remove such Content, and we will notify you of our decision by email or other electronic message; e. if we are satisfied that the Content is not unlawful or non-consensual, we will notify you of our decision by email or other electronic message. Any dispute regarding our determination that Content is non-consensual will be submitted by us to a neutral arbitration association at our expense. 7. How we will deal with complaints related to copyright infringement: Complaints related to copyright infringement must be submitted in accordance with our DMCA Policy, and we will respond to copyright infringement complaints as set out in such policy. 8. How we will deal with other complaints: Following receipt of other complaints (including complaints related to other breaches of our Acceptable Use Policy) under section 5 above: a. we will take such steps as we consider to be appropriate to investigate your complaint within a timescale which is appropriate to the nature of your complaint; b. if we require further information or documents from you, we will contact you to let you know; c. we will in good faith take such actions as we consider appropriate to deal with the issue which your complaint has raised. If you have complained about Content which appears on Smart Payments and we are satisfied that the Content otherwise breaches our Acceptable Use Policy, we will act quickly to remove such Content; d. we are not obligated to inform you of the outcome of your complaint. 9. Unjustified or abusive complaints: If you are a User of Smart Payments, you warrant (which means you make a legally enforceable promise) that you will not make any complaint under this Complaints Policy which is wholly unjustified, abusive, or made in bad faith. If we determine that you have breached this warranty, we may suspend or terminate your User account. Last updated: December 2021 PLATFORM TO BUSINESS REGULATION TERMS 1. Introduction: These Platform to Business Regulation Terms form part of the Terms of Service. 2. Interpretation: In these Platform to Business Regulation Terms, unless otherwise stated, defined terms have the same meanings given to them in the Terms of Use for all Users. 3. Do these Platform to Business Regulation Terms apply to me? These Platform to Business Regulation Terms only apply to Creators who are established or resident in the European Union or the United Kingdom (also referred to as you and your). If these Platform to Business Regulation Terms apply to you, they form part of your agreement with us. 4. What do these Platform to Business Regulation Terms include? These Platform to Business Regulation Terms provide information about our practices to comply with the fairness and transparency requirements set out in EU Regulation 2019/1150 (the Platform to Business Regulation). 5. Promoting Creators via other distribution channels: We may choose to promote you via our Instagram (www.instagram.com/Smart Payments) and Twitter (www.twitter.com/Smart Payments) social media accounts. 6. Ranking on Smart Payments: We randomly suggest potential Creators for a User to follow based on the Creators that have earned money on Smart Payments in the previous 30 days. We have no ranking system. There is no search/discovery feature on Smart Payments. 7. Complaints: If you have a complaint about: a. any alleged non-compliance by us with any obligations laid down in the Platform to Business Regulation which affect you; or b. technological issues relating directly to Smart Payments and which affect you; or c. measures taken by us or our conduct which relate directly to Smart Payments and which affect you, then please submit your complaint to support@Smart Payments.com. 8. Complaint-handling process: Following receipt of your complaint under section 7 above, we will: a. consider your complaint and the follow-up which we may need to give to your complaint (including asking you for further information or documents) in order to adequately address the issue raised; b. process your complaints within a reasonable time, taking into account the importance and complexity of the issue raised; and c. communicate to you in plain and intelligible language by email or by message to your Smart Payments account the outcome of the internal complaint-handling process. 9. Mediation service: If your complaint under section 7 above is not resolved to your satisfaction through our internal complaint-handling process as set out in section 8 above, then you may access the mediation service by contacting: Centre for Effective Dispute Resolution International Dispute Resolution Centre Santa Cruz de la sierra Bolivia You and we will act in good faith throughout any mediation. However, any attempt to reach agreement through mediation on the settlement of a dispute between us will not affect our or your rights to commence legal proceedings at any time before, during or after the mediation process, as such rights are set out in our Terms of Use for all Users. Last updated: June 2023 ©2023 Smart Payments

PRIVACY POLICY Last Modified: May 2023 IMPORTANT POINTS. 1. OVERVIEW BIGroup Solucions Inc and its subsidiaries (collectively, ‘Smart Payments,’ ‘we,’ ‘us,’ ‘our’) respect your privacy and are committed to protecting the personal data we hold about you. If you have questions, comments, or concerns about this Privacy Notice or our processing of personal data, please see the bottom of this Privacy Notice for information about how to contact us. Smart Payments is the data controller of the personal data collected, and is responsible for the processing of your personal data. Smart Payments is a social network which enables users to share their content; other users to enjoy content and for some to do both. We refer to those users who share content as ‘Creators’ and those users who pay to view Creators’ content as ‘Fans’. This Privacy Notice explains our practices with respect to personal data we collect and process about you. This includes information we collect through, or in association with, our website located at www.Smart Payments.net, our services that we may offer from time to time via our website, our related social media sites (Twitter and Instagram), or otherwise through your interactions with us (the website, our social media pages, and services, collectively, the ‘Services’). Please review the following to understand how we process and safeguard personal data about you. By using any of our Services, whether by visiting our website or otherwise, and/or by voluntarily providing personal data to us, you acknowledge that you have read and understand the practices contained in this Privacy Notice. This Privacy Notice may be revised from time to time, so please ensure that you check this Privacy Notice periodically to remain fully informed. PERSONAL DATA WE COLLECT • Categories of Personal Data We Collect • How We Use Your Personal Data • How We Obtain Your Personal Data • Legal Bases for Processing • Who We Share Your Personal Data With • Personal Data We Share YOUR RIGHTS REGARDING PERSONAL DATA • Accessing, Modifying, Rectifying, and Correcting Collected Personal Data • Your California Privacy Rights • Your Nevada Rights • Your European Union, EEUU, Latin American Privacy Rights YOUR CHOICES • Communications Opt-Out • Location Information • Cookies and Web Tracking PROTECTING PERSONAL DATA RETENTION OF PERSONAL DATA OTHER IMPORTANT INFORMATION ABOUT PERSONAL DATA AND THE SERVICES • Identity Verification • Payment Information • Collection of Personal Data from Children • Third-Party Websites and Services • Business Transfer • Do Not Track • International Use MODIFICATIONS AND UPDATES TO THIS PRIVACY NOTICE APPLICABILITY OF THIS PRIVACY NOTICE ADDITIONAL INFORMATION AND ASSISTANCE 2. PERSONAL DATA WE COLLECT We collect information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (‘personal data’). In addition, we may collect data that is not identifiable to you or otherwise associated with you, such as aggregated data, and is not personal data. To the extent this data is stored or associated with personal data, it will be treated as personal data; otherwise, the data is not subject to this Privacy Notice. a. Categories of Personal Data We Collect The types of personal data we collect about you depends on your interactions with us and your use of the Services. In the past twelve (12) months, we collected the below categories of personal data from our users: 1. Identifiers such as a real name, alias, postal address, internet protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers. 2. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code 1798.80(e)). 3. Characteristics of protected classifications under California or federal law. 4. Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. 5. Biometric information. Note: While we do not collect biometric information, if you choose to authenticate yourself through certain service providers we use, they may collect biometric information subject to their privacy policies, but we are never provided with access to that information. 6. Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an internet website, application, or advertisement. 7. Audio, electronic, visual, thermal, olfactory, or similar information. 8. Professional or employment-related information. We will not collect additional categories of personal data other than those categories listed above. If we intend to collect additional categories of personal data, we will provide you with a new notice at or before the time of collection. b. How We Use Your Personal Data We strive to ensure that the content can be enjoyed by everyone, and to keep the content appropriate, tasteful and lawful. To do that, we collect and process your personal data for the following business and commercial purposes: 1. Developing, improving, operating, providing, predicting, or performing, including maintaining or servicing accounts, enhancing the Services and your experience with them, providing customer service, processing or fulfilling transactions, verifying your identity, and processing payments. 2. Communicating with you by email and text about the Services, verifying your identity, responding to support inquiries or, sharing information about the Services. 3. Auditing related to a current interaction with the user and concurrent transactions. 4. Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity. 5. Debugging to identify and repair errors that impair existing intended functionality. 6. Undertaking internal research for technological development and demonstration. 7. Undertaking activities to verify or maintain the quality or safety of the Services owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the Services owned, manufactured, manufactured for, or controlled by us. 8. Complying with applicable laws, regulations, rules and requests of relevant law enforcement and/or other governmental agencies, or for other purposes, as permitted or required by law. 9. Enforcing our Terms of Service and other usage policies. 10. As necessary or appropriate to protect the rights, property, and safety of our users, us, and other third parties. We will not use the personal data we collected for materially different, unrelated, or incompatible purposes without providing you with notice and obtaining your consent. c. How We Obtain Your Personal Data We collect your personal data from the following categories of sources: • Directly from you. When you provide it to us directly to open an account and use the Services, or when you update the information in your account (see the ‘Accessing, Modifying, Rectifying, and Correcting Collected Personal Data‘ section below for more information). • Automatically or indirectly from you. For example, through and as a result of your use of and access to the Services. We also collect IP addresses and browser types from the devices you use. • From our service providers. d. Legal Bases for Processing We process personal data for, or based on, one or more of the following legal bases: • Performance of a Contract. By using the Services, you have contracted with us through the Terms of Service, and we will process certain personal data to perform under that contract. • Legitimate Interests. We may process personal data for our legitimate interests, including complying with any applicable law, rule or regulation, investigation or remedy; enforcing our Terms of Service; protecting our, our users' or others' rights, property and safety; and detecting and resolving any fraud or security concerns. • Compliance with Legal Obligations and Protection of Individuals. We may process personal data to comply with our legal obligations, including as required by valid legal process, governmental request, and to protect those individuals who use our Services and others. e. Who We Share Your Personal Data With We share personal data with the following categories of third parties: • Our service providers. • Our affiliated entities. • Government agencies or regulators when permitted or required to do so by law; in response to a request from a law enforcement agency or authority or any regulatory authority; and/or to protect the integrity of the Services or our interests, rights, property, or safety, and/or that of our users and others. f. Personal Data We Share In the past twelve (12) months, we shared with the following categories of third parties the following categories of personal data for a business purpose: • Identifiers (e.g. name, address, email address, government ID, IP address): Service providers. • Identifiers (e.g. account name): Other Creators and Fans. • Personal information categories listed in the California Customer Records statute (e.g. government ID, bank account numbers): Service providers. • Audio, electronic, visual, thermal, olfactory, or similar information (e.g. content you create): Service providers. 3. YOUR RIGHTS REGARDING PERSONAL DATA You have certain rights regarding the collection and processing of personal data. You may exercise these rights, to the extent they apply to you, by contacting us at the information provided at the end of this Privacy Notice, or by following instructions provided in this Privacy Notice or in communications sent to you. Your rights vary depending on the laws that apply to you, but may include: • The right to know whether, and for what purposes, we process your personal data; • The right to be informed about the personal data we collect and/or process about you; • The right to learn the source of personal data about you we process; • The right to access, modify, and correct personal data about you (see the ‘Accessing, Modifying, Rectifying, and Correcting Collected Personal Data‘ section below for more information); • The right to know with whom we have shared your personal data with, for what purposes, and what personal data has been shared (including whether personal data was disclosed to third parties for their own direct marketing purposes); • The right to withdraw your consent, where processing of personal data is based on your consent; and • The right to lodge a complaint with a supervisory authority located in the jurisdiction of your habitual residence, place of work, or where an alleged violation of law occurred. See ‘Your California Privacy Rights‘, ‘Your Nevada Privacy Rights‘, and ‘Your European Union and UK Privacy Rights‘, for more information about certain legal rights. a. Accessing, Modifying, Rectifying, and Correcting Collected Personal Data We strive to maintain the accuracy of any personal data collected from you, and will try to respond promptly to update our records when you tell us the information in our records is not correct. However, we must rely upon you to ensure that the information you provide to us is complete, accurate, and up-to-date, and to inform us of any changes. Please review all of your information carefully before submitting it to us. Any updates or corrections to your information may be made through your account settings. Depending on the laws that apply to you, you may obtain from us certain personal data in our records. If you wish to access, review, or make any changes to personal data you have provided to us through the Services, please contact us at the information provided at the end of this Privacy Notice. We reserve the right to deny access as permitted or required by applicable law. b. Your California Privacy Rights California’s ‘Shine the Light’ law, permits our users who are California residents to request and obtain from us a list of what personal data (if any) we disclosed to third parties for their own direct marketing purposes in the previous calendar year and the names and addresses of those third parties. Requests may be made only once per year per person, must be sent to the email address below, and are free of charge. However, we do not disclose personal data protected under the ‘Shine the Light’ law to third parties for their own direct marketing purposes. The California Consumer Privacy Act (‘CCPA’) provides our users who are California residents the following additional rights: 1. Right to Know: You have the right to request that we disclose certain information to you about the personal data we collected, used, disclosed, and sold about you in the past 12 months. This includes a request to know any or all of the following: o The categories of personal data collected about you; o The categories of sources from which we collected your personal data; o The categories of personal data that we have sold or disclosed about you for a business purpose; o The categories of third parties to whom your personal data was sold or disclosed for a business purpose; o Our business or commercial purpose for collecting or selling your personal data; and o The specific pieces of personal data we have collected about you. 2. Data Portability: You have the right to request a copy of personal data we have collected and maintained about you in the past 12 months. 3. Right to Deletion: You have the right to request that we delete the personal data we collected from you and maintained, subject to certain exceptions. Please note that if you request deletion of your personal data, we may deny your request or may retain certain elements of your personal data if it is necessary for us or our service providers to: o Complete the transaction for which the personal data was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between our business and you. o Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity. o Debug to identify and repair errors that impair existing intended functionality. o Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law. o Comply with the California Electronic Communications Privacy Act pursuant to Chapter 3.6 (commencing with Section 1546) of Title 12 of Part 2 of the Penal Code. o Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the deletion of the information is likely to render impossible or seriously impair the achievement of such research, if you have provided informed consent. o To enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us. o Comply with a legal obligation. o Otherwise use the personal data, internally, in a lawful manner that is compatible with the context in which you provided the information. 4. Right to Opt-Out/In: You have the right to opt-out of the sale of your personal data. You also have the right to opt-in to the sale of personal data. However, we do not sell your personal data. 5. Right to Non-Discrimination: You have the right not to receive discriminatory treatment by us for the exercise of your CCPA privacy rights. Unless permitted by the CCPA, we will not: o Deny you goods or services. o Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties. o Provide you a different level or quality of goods or services. o Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services. To exercise your California privacy rights described above, please submit a verifiable request to us by visiting www.bigroupsolutions.com or emailing us at info@bigroupsolutions.com. If you have an account with us, you can exercise any of the above rights from your profile. If you don’t have a profile or if you are unable to access, control, or delete your information from within your profile, you can contact us through any of the above methods. Only you, or a person authorized by you to act on your behalf, may make a verifiable consumer request related to your personal data. You may only make a verifiable consumer request for Right to Know or Data Portability twice within a 12-month period. The verifiable consumer request must: • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal data or an authorized representative. Depending on the nature of the request, we may need to verify your identity through an additional Ondato verification cycle, which requires a government issued ID and a photo requiring your presence through the a (see Identity Verification section below for more information). • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. We may deny your request if we are unable to verify your identity or have reason to believe that the request is fraudulent. Consumer Request by an Authorized Agent If any authorized agent submits a consumer request on your behalf, in order to confirm that person or entity’s authority to act on your behalf and verify the authorized agent’s identity, we require an email be sent to info@bigroupsolutions.com, along with all of the below items: • Proof that you gave the authorized agent signed permission to submit the request. • Sufficient information to verify the authorized agent’s identity, depending on the nature of the request. • To verify your identity, depending on the nature of the request, we may also require a valid Government Issued ID (not expired), email address, and the last 4 digits of the social security number. We cannot respond to your request or provide you with personal data if we cannot verify your identity or authority to make the request and confirm the personal data relates to you. Making a verifiable consumer request does not require to create an account with us. However, if you do have an existing login, we will require you to log in to submit a request. We will only use personal data provided in a verifiable consumer request to verify the request’s identity or authority to make the request. We will acknowledge receipt of the request within ten (10) business days of its receipt. We will respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response electronically. Any disclosures we provide will only cover the 12-month period preceding the receipt of the verifiable consumer request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For Data Portability requests, we will provide the responsive information in a portable and, to the extent technically feasible, in a readily useable format that allows you to transmit the information to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request. c. Your Nevada Privacy Rights Nevada law permits our users who are Nevada consumers to request that their personal data not be sold (as defined under applicable Nevada law), even if their personal data is not currently being sold. Requests may be sent to info@bigroupsolutions.com, and are free of charge. d. Your European Union and UK Privacy Rights In addition to the above-listed rights, European Union and UK privacy law provides individuals with enhanced rights in respect of their personal data. These rights may include, depending on the circumstances surrounding the processing of personal data: • The right to object to decisions based on profiling or automated decision-making that produce legal or similarly significant effects on you; • The right to request restriction of processing of personal data or object to processing of personal data carried out pursuant to (i) a legitimate interest (including, but not limited to, processing for direct marketing purposes) or (ii) performance of a task in the public interest; • In certain circumstances, the right to data portability, which means that you can request that we provide certain personal data we hold about you in a machine-readable format; and • In certain circumstances, the right to erasure and/or the right to be forgotten, which means that you can request deletion or removal of certain personal data we process about you. Note that we may need to request additional information from you to validate your request. To exercise any of the rights above, please send email us at info@bigroupsolutions.com. 4. YOUR CHOICES You have choices about certain information we collect about you, how we communicate with you, and how we process certain personal data. When you are asked to provide information, you may decline to do so; but if you choose not to provide information that is necessary to provide some of our Services, you may not be able to use those Services. In addition, it is possible to change your browser settings to block the automatic collection of certain information. a. Communications Opt-Out. You may opt out of receiving email communications from us at any time by following the opt-out link or other unsubscribe instructions provided in any email message received, by contacting us as provided at the end of this Privacy Notice, or by changing your notification preferences in account setting. you wish to opt out by sending us an email to the address provided below, please include ‘Opt-Out’ in the email’s subject line and include your name and the email address you used to sign up for communications in the body of the email. Note, that if you do business with us in the future, you may not, subject to applicable law, opt out of certain automated notifications, such as order or subscription confirmations, based on business transactions (e.g., e-commerce). b. Location Information. If you want to limit or prevent our ability to receive location information from you, you can deny or remove the permission for certain Services to access location information or deactivate location services on your device. Please refer to your device manufacturer or operating system instructions for instructions on how to do this. c. Cookies and Web Tracking. Consult our Cookie Notice for more information about how to control and/or opt out of certain web tracking technologies. 5. PROTECTING PERSONAL DATA We use reasonable and appropriate physical, technical, and organizational safeguards designed to promote the security of our systems and protect the confidentiality, integrity, availability, and resilience of personal data. Those safeguards include: (i) the encryption of personal data where we deem appropriate; (ii) taking steps to ensure personal data is backed up and remains available in the event of a security incident; and (iii) periodic testing, assessment, and evaluation of the effectiveness of our safeguards. However, no method of safeguarding information is completely secure. While we use measures designed to protect personal data, we cannot guarantee that our safeguards will be effective or sufficient. In addition, you should be aware that Internet data transmission is not always secure, and we cannot warrant that information you transmit utilizing the Services is or will be secure. 6. RETENTION OF PERSONAL DATA. We retain personal data for a period of six (6) months after a user closes their account, and certain personal data for longer periods to the extent we deem necessary to carry out the processing activities described above, including but not limited to compliance with applicable laws, regulations, rules and requests of relevant law enforcement and/or other governmental agencies, and to the extent we reasonably deem necessary to protect our and our partners’ rights, property, or safety, and the rights, property, and safety of our users and other third parties. Under applicable law, we are required to retain certain financial information for seven (7) years. 7. OTHER IMPORTANT INFORMATION ABOUT PERSONAL DATA AND THE SERVICES. a. Identity Verification. We require checks for Creators to ensure that we do not knowingly offer our Services to or collect personal data from anyone under 18 or anyone using a false identity, and offer checks as an option for Fans. These checks involve providing certain information to one or more of our service providers, currently Ondato, Aristotle, and Jumio which verify your identity. If you commence the registration process, you do so with the understanding that your personal data will be transferred to Ondato and processed subject to their privacy policy and terms and conditions, Aristotle and processed subject to their privacy policy and terms and conditions, or Jumio and processed subject to their privacy policy and terms and conditions. Ondato, Aristotle, and Jumio all require that you submit your passport or other government identification document, and use facial analysis software to verify your identity. Ondato also requires that you provide a photo of yourself holding your government identification as part of the verification process. b. Payment Information. Payments made by Fans to access content are processed by our third party payment providers. For example, when you make a payment that is processed by a payment provider, you will provide that third party with your credit card number, credit card expiration date, and security code, which they process and store subject to their privacy policy and terms of service. We do not receive your full credit card number, credit card expiration date, or the security code. Instead, the payment provider provides us with a ‘token’ that represents your account, your card’s expiration date, card type and the first two and last four digits of your card number. If you are required to provide your name and email address to the payment provider, then they also provide us with that information. Payments issued to Creators for their content are made by Smart Payments using the bank account information that we have collected and stored. c. Collection of Personal Data from Children. Our Services are not intended for anyone under 18. Anyone under 18 years of age is not permitted to use the Services, and we do not knowingly collect information from children under the age of 18. By using the Services, you represent that you are 18 years of age or older. d. Third-Party Websites and Services. As a convenience, we may reference or provide links to third- party websites and services, including those of unaffiliated third parties, our affiliates, service providers, and third parties with which we do business (including, but not limited to, our service providers). When you access these third-party services, you leave our Services, and we are not responsible for, and do not control, the content, security, or privacy practices employed by any third-party websites and services. You access these third-party services at your own risk. This Privacy Notice does not apply to any third-party services; please refer to the Privacy Notices or policies for such third-party services for information about how they collect, use, and process personal data. e. Business Transfer. We may, in the future, sell or otherwise transfer some or all of our business, operations or assets to a third party, whether by merger, acquisition or otherwise. Personal data we obtain from or about you via the Services may be disclosed to any potential or actual third- party acquirers and may be among those assets transferred. f. Do Not Track. We currently do not use any cross-site tracking technologies and do not currently process or comply with any web browser’s ‘do not track’ signal or similar mechanisms. Note, however, that you may find information about how to block or reject certain tracking technologies in our Cookie Notice. g. International Use. Your personal data will be stored and/or processed in the United States, as well as in the European Union, Canada, Hong Kong, Russia, Singapore, Switzerland, Thailand, Ukraine and the United Kingdom. By your use of the Services, you acknowledge that we will transfer your data to, and store your personal data in, the above countries, which may have different data protection rules than in your country, and personal data may become accessible as permitted by law in the above countries, including to law enforcement and/or national security authorities in the those countries. For transfers of data into and out of the European Economic Area, pursuant to Article 46 of the General Data Protection Regulation, we use data transfer agreements subject to EU-approved standard contractual clauses. 8. MODIFICATIONS AND UPDATES TO THIS PRIVACY NOTICE This Privacy Notice replaces all previous disclosures we may have provided to you about our information practices with respect to the Services. We reserve the right, at any time, to modify, alter, and/or update this Privacy Notice, and any such modifications, alterations, or updates will be effective upon our posting of the revised Privacy Notice. We will use reasonable efforts to notify you in the event material changes are made to our processing activities and/or this Privacy Notice, such as by posting a notice on the Services or sending you an email. Your continued use of the Services following our posting of any revised Privacy Notice will constitute your acknowledgement of the amended Privacy Notice. 9. APPLICABILITY OF THIS PRIVACY NOTICE This Privacy Notice is subject to the Terms of Service and Acceptable Use Policy that govern your use of the Services. This Privacy Notice applies regardless of the means used to access or provide information through the Services. This Privacy Notice does not apply to information from or about you collected by any third-party services, applications, or advertisements associated with, or websites linked from, the Services. The collection or receipt of your information by such third parties is subject to their own privacy policies, statements, and practices, and under no circumstances are we responsible or liable for any third party’s compliance therewith. 10. ADDITIONAL INFORMATION AND ASSISTANCE If you have any questions or concerns about this Privacy Notice and/or how we process personal data, please contact us at info@bigroupsolutions.com. In addition, we have appointed a data protection officer (‘DPO’) who is responsible for, among other things, responding to questions, requests, and concerns in relation to this Privacy Notice and our use of personal data. You may contact the DPO as follows: ©2023 Smart Payments Info