These terms and conditions (hereinafter referred to as the "Terms") are the commercial terms and conditions of IFC PAYFIN PAYMENTS CORPORATION, company number BC1393799 as of December 29, 2022, registered address: 422 RICHARDS ST, SUITE 170 VANCOUVER BC V6B 2Z4 CANADA (hereinafter referred to as "we"), as well as the terms and conditions for providing our services on the website https://nahart.org. They also establish the rights, obligations, and responsibilities of the Client and the Company regarding these services.

These Terms apply to all relationships between the Company and the Client arising in connection with the provision of services.

The electronic money institution license was issued to us by FINTRAC, license number 169897. We are supervised by FINTRAC, located at 422 RICHARDS ST, SUITE 170 VANCOUVER BC V6B 2Z4 CANADA, phone number +47 967 26 743.

In the text, all references to "we," "us," or "our" mean IFC PAYFIN PAYMENTS CORPORATION. In the text, all references to "you" or "your" mean you, the client of IFC PAYFIN PAYMENTS CORPORATION.

1. DEFINITIONS

DEFINITIONS. To ensure you share our understanding of the key terms in this document, we have described them below: "Account" – an electronic money account that you have opened or are about to open with us, which is used for Transfers "Account Statement" – a document provided by us that includes information about Transfers made over a certain period "Identification" – the procedure allowing us to verify your identity or the legitimacy of using a specific Payment Instrument, including its personalized security credentials "Fee" – the charge we apply for our services according to the price list and specific service agreement "Client, you" – you as a private individual acting for purposes other than your trade, business, or profession in accordance with these Terms "Client Account" – a set of data, transactions, and profile settings that make up your personal profile with us, allowing you to create payment orders, monitor transactions, and communicate with us "Durable Medium" – a medium where information intended for you personally is stored in an accessible form that does not alter this information "Electronic Money" – an electronic alternative to cash; monetary value stored electronically upon receipt of funds and used for Payment Transactions "Funds" – banknotes and coins, non-cash money, or electronic money - "Parties" – you and us "Recipient" – a private or legal entity receiving funds according to a Payment Order. "Payer" – a private or legal entity authorizing the execution of a Payment Order from a payment account, or if there is no payment account, a private or legal entity submitting a Payment Order "Payment Instrument" – a personalized device(s) and/or a set of procedures you use, for example, to initiate a Payment Order "Transfer" – an act initiated by the payer or on their behalf or by the recipient, to place/transfer/withdraw funds "Personalized Security Credentials" – personalized data used for identification purposes, which are either provided by us to you or created by you using tools provided by us "Services" – services provided by us in accordance with these Terms. "Strong Customer Authentication" – authentication requiring two or more of the following elements: 1. knowledge (something only you know) 2. possession (something only you have) 3. inherence (something that uniquely characterizes you) "Terms" – these Terms and their annexes, if any "Payment Order" – an order given to us by the payer or the payment recipient to execute a Transfer - "Unique Identifier" – a combination of letters, numbers, and symbols that clearly identifies the payment service user — for example, the IBAN number of another bank. "Website" – our website at www.nahart.org. "Business Day" – a day when we provide services. Any day except Saturday, Sunday, or public holidays as specified in the legal acts of the Republic of Lithuania or the recipient`s or payer`s country.

2. REGISTRATION AND ACCOUNT OPENING

You are given the opportunity to review these Terms before committing to following them. The Terms are available on the Website in both English and Lithuanian. After you review them, you must accept these Terms by checking a box indicating your agreement. If you do not do this or skip this step, you will not be able to complete the registration process or use our Services. Before we open your Account, you must apply and provide all necessary documents and information required by us. To identify you, we will ask you to provide personal information and/or documents. This includes (but is not limited to) your name, surname, personal identification number, a real-time "selfie", the purpose of opening the Account, etc. We will only be able to enter into a contract after you provide this information. If during registration you provided a name and surname that do not match your identification documents submitted to us, you agree that we will automatically correct your data according to your documents. You are responsible for providing accurate and truthful information at all times, as well as for any losses that may arise from providing false data. Once you provide all necessary information, and we approve your application, the Account will be opened, and you will be able to start using our Services. We have the right to refuse your registration and account opening without explanation. However, we will only refuse explanations if we have "important reasons" that we are not obliged to disclose, or we may be prohibited by law from disclosing them. You have the right to open one Account, except in cases where we grant permission to open additional Accounts.

3. OUR SERVICES

We provide the following services: opening of an electronic money account, money transfers, electronic banking services money transfers.

4. ISSUANCE AND REDEMPTION OF ELECTRONIC MONEY

When we receive funds from you, we issue electronic money of corresponding value. When we receive a request from you, we redeem your electronic money with an equivalent monetary value. In case of deviations from the provisions in these Terms, the terms and additional payment for the redemption of electronic money will be discussed in a separate agreement between the Parties. When redeeming electronic money, we may charge an additional fee only if: you request to redeem electronic money before the expiration of these Terms you terminate these Terms before the expiration of these Terms you request to redeem electronic money more than 1 (one) year after the expiration of these Terms. There are no special conditions for the redemption of electronic money that differ from the standard conditions for Transfers made on your Account. You choose how much electronic money you want to transfer or redeem. If you request us to redeem your electronic money before the expiration of these Terms, you have the right to ask us to redeem part or all of the monetary value of the electronic money. You can ask us to redeem your Electronic Money by creating a Payment Order to transfer funds from your Account to any other account of your choice. You can also withdraw them from the Account in other ways that we support. We have the right to impose restrictions on the redemption of electronic money if the transfer is impossible for "special reasons" – for example, we do not make transfers to countries or organizations subject to sanctions by the European Union, the US Office of Foreign Assets Control (OFAC), and other relevant organizations. The list of special reasons, which includes legal norms in the recipient`s country and technical obstacles, is not exhaustive. If we are unable to pay you the funds for reasons beyond our control, we will notify you immediately. You will provide us with another account to send the money or any additional information necessary to complete the payment. We will redeem the full monetary value of the electronic money if you request it after the expiration date or not more than 1 (one) year from the expiration of these Terms. Electronic money held in the Account is not a deposit. Under no circumstances do we pay interest on electronic money held in the Account, nor do we provide any other benefits related to the duration of holding electronic money.

5. STRONG CUSTOMER AUTHENTICATION

We apply strong customer authentication when you, as the payer: access your Account online or through another remote channel initiate an electronic Transfer perform any actions through a remote channel that may pose a risk of fraud or other abuses. You will not incur any financial losses if we do not apply strong customer authentication unless you have acted fraudulently. You will not incur any financial losses if we do not apply strong customer authentication unless you have acted fraudulently. your username (the phone number you register with) your password a special code sent to your mobile phone before logging into your Account and when initiating a Transfer. We will not execute the Transfer until you enter the special code. After logging into the Account, you can remain inactive for a maximum of 5 minutes. After 5 minutes, the session will end, and you will be prompted to log in again. If you enter incorrect identification data 3 times, we have the right to block this data. We will inform you of this before doing so. If this happens, you will need to apply for new identification data.

6. INFORMATION REQUIRED FOR PAYMENT ORDERS

You will be asked to provide a Unique Identifier so that we can properly initiate and execute the Payment Order. The Transfer is considered properly executed if it is carried out according to this Unique Identifier. We may check the coherence of the Unique Identifier. If it is incoherent, we may refuse to execute the Transfer and inform you as the Payer. We may request additional information from you (e.g., the amount and currency, the recipient`s name, and surname, etc.) to properly execute the Transfer. We will also provide you with an approximate amount that the Recipient will receive ("Payout Amount") after currency conversion and deduction of the transaction fee. The actual amount the Recipient receives may differ from the Payout Amount due to additional fees charged by banks or other service providers. See section 14: "Other Fees, Charges, and Interest".

7. PROVIDING AND WITHDRAWING CONSENT TO INITIATE A PAYMENT TRANSFER OR TO EXECUTE A TRANSFER

The Transfer is considered authorized only if you, as the Payer, have previously given your consent to execute it. You can give your consent after identifying yourself using the identification tools provided by us (e.g., passwords, codes, etc.). Written consent must be properly signed. You may give your consent in other formats required by specific services and/or specified in additional agreements between the Parties. You may withdraw your consent to execute the Transfer at any time before we receive it. We may not be able to cancel an already executed Transfer. You may also withdraw your consent to execute a series of Transfers, in which case all future Transfers will be unauthorized. If the Transfer is initiated by the Recipient or with their participation, the Payer cannot withdraw the Payment Order after the Recipient has given their consent to its execution. If the Parties have agreed in advance on the date of execution of the Payment Order, the last day you can withdraw the Payment Order is the day before the agreed date (by the end of the Business Day). After these deadlines, the Payment Order can only be withdrawn if the Parties, and in some cases the Recipient, have given their consent.

8. RECEIPT OF A PAYMENT ORDER, REFUSAL TO EXECUTE A PAYMENT ORDER, AND OTHER REQUIREMENTS FOR A PAYMENT ORDER

As long as there are sufficient funds in your Account, we will process your Payment Orders "without undue delay". If there are insufficient funds in the Account, we will not execute the Payment Order. We consider the Payment Order received at the moment of its receipt. If this day is not a Business Day, we consider it received on the next Business Day. We will not debit funds from your Account until we receive the Payment Order. A Payment Order received outside of business hours on a Business Day is considered received on the next Business Day. If we agree to execute a Payment Order on a specific day, that day will be considered the day of receipt. If the agreed day is not a Business Day for us, the next Business Day will be considered the day of receipt. Payment orders within our system are executed immediately (within minutes, unless the Transfer is suspended in cases provided for by legal acts and these Terms), regardless of our business hours. Currency exchange is based on our exchange rate at the time of conversion. It is continuously updated and published on our website. When you create a transfer with a specified rate, the maximum exchange rate limit for you is 5%. We reserve the right to cancel the transfer and return your funds to the account from which they were received if the foreign exchange rate changes by 5% or more during the period in which we guarantee the established rate for you. We do not engage in currency trading, so you should not use our Services for this purpose. We reserve the right to cancel the transaction and return your payment if we find that you are using our Services for this purpose. If the law provides that compulsory collection does not apply to a certain amount of funds in your Account, we will ensure that you have access to these funds.

9. EXECUTION OF THE TRANSFER

If you order a transfer in euros within the EU, we guarantee that the corresponding amount will be credited to the Recipient`s payment service provider`s account by the end of the next Business Day, unless otherwise provided. If you order a transfer in euros within the Republic of Lithuania before 12:00 noon, we will ensure that the corresponding amount is credited to the Recipient`s payment service provider`s account on the same Business Day. The corresponding amount of Transfers ordered after 12:00 noon will be credited to the Recipient`s payment service provider`s account no later than the next Business Day. If the Parties agree to execute a Payment Order on a specific day, we will ensure that the funds are credited to the Recipient`s payment service provider`s account on the same day or (if this day is not a Business Day) on the next Business Day. If you make transfers not in euros within the EU, we will strive to credit the amount to the Recipient`s payment service provider`s account by the end of the next Business Day, but no later than four Business Days after receiving your Payment Order.

10. SPENDING LIMIT FOR PAYMENT

Maximum spending limits for Transfers are established in specific agreements signed between the Parties.

11. BLOCKING YOUR ACCOUNT AND/OR PAYMENT INSTRUMENT

We may block Transfers from your Account or prohibit you from accessing the Payment Instrument if: we suspect that the funds in your Account may be used to commit a crime or are the result of a crime you do not fulfill your obligations under these Terms laws and regulations require us to do so we consider these measures necessary or appropriate to protect your Account. Transfers: are made in violation of these Terms or the security requirements of your Account are suspicious, unauthorized, or fraudulent, or are made immediately after you have been or will soon be declared insolvent or bankrupt. We will try to inform you of this before we make any of these blockings or stops, or if we cannot, immediately afterward. We will always try to explain why we took these steps unless laws or regulations prohibit this or if it would pose a security threat.

12. INFORMATION YOU RECEIVE ABOUT PAYMENTS

Before executing the Payment Order, we must inform you of the maximum possible execution time of the Payment Order, the fees you must pay, and how these fees are divided. This information is available in your Account. We will provide you with Account statements about completed Transfers, which will include: information allowing you to identify each Transfer and details about the Recipient the amount of the Transfer in the currency specified in the order fees for each Transfer and how these fees are divided the currency exchange rate, if applicable, and the amount of the Transfer after applying this exchange rate the date of debiting the funds or the date we receive your Payment Order other information we provide in accordance with the legal requirements of the Republic of Lithuania. These data are provided to you personally in your Account. We are also required to inform you of any suspicious or actual fraud committed by others or anything that poses a threat to your Account by email or SMS (depending on what is most secure and practical at the time).

13. PRICES, FEES, AND CURRENCY EXCHANGE

The Price List, as well as these Terms, indicate the fees we charge for our regular services. Other non-standard services may incur fees that are not defined here or in the Price List, but we will always inform you of such cases in advance. Costs and fees for the Services are indicated in euros (unless otherwise specified), excluding VAT. If it is necessary to charge VAT or any other tax, we will add it to the amount to be paid. If necessary, we indicate the net amount, the tax amount, and the tax rate. You pay the fee for the Services we provide. Any fees you need to pay will be deducted from the balance in your Account. If the balance in your Account is insufficient to execute the Transfer and pay the Fees, we have the right to refuse to execute the Transfer. We will provide you with exchange rates before the start of executing the Transfer. Currency exchange is based on our exchange rate at the time of conversion. It is continuously updated and published on our website. When you create a transfer with a specified rate, the maximum exchange rate limit for you is 5%. We reserve the right to cancel the transfer and return your funds to the account from which they were received if the foreign exchange rate changes by 5% or more during the period in which we guarantee the established rate for you. We do not engage in currency trading, so you should not use our Services for this purpose. We reserve the right to cancel the transaction and return your payment if we find that you are using our Services for this purpose. At the beginning of each calendar year, we will issue you a free statement of Fees on your Account. In case of termination of these Terms, we will provide you with a statement of all Fees from the beginning of the calendar year until the day of termination of these Terms. We are not a currency trading service provider; therefore, you should not use our Services for any currency trading. If we discover that you are using our Services for this purpose, you will violate these Terms and conditions, and we reserve the right to cancel your transfers and suspend or close your account without prior notice, at any time and without any liability.

14. OTHER FEES, CHARGES, AND INTEREST

If you perform a transaction that results in nahart becoming responsible for such fees or charges, such as a chargeback or similar, you agree to reimburse all such charges. To receive payment, you authorize access or debit from any of your Payment Instruments. For example, if there are insufficient funds in your bank account to complete the transaction, we may debit your bank account or charge your credit card later. nahart is not responsible for any fees charged by the Recipient`s bank for receiving funds into the Recipient`s bank account. You should directly contact the Recipient`s bank for detailed information about any such charges they may apply to the transaction. nahart is not responsible for any fees or charges you may incur when using a specific Payment Instrument to fund the transaction. These may include, among others, unauthorized overdraft fees charged by banks if there are insufficient funds in your bank account, or "cash advance" fees and additional interest that credit card providers may charge if they consider using the Service as a cash transaction rather than a purchase transaction. You will not be entitled to receive interest for the period during which the funds to be transferred are in the Bank, awaiting transfer, or in the process of transfer, or for any other period. nahart may, at any time and at its sole discretion, limit the transfer amount either for each transaction or for multiple transactions. In some cases, an intermediary bank fee may apply. In such cases, nahart may refuse to cover the fee. nahart is not responsible for covering fees charged by the Recipient`s bank.

15. COMMUNICATION BETWEEN THE PARTIES

All communication, information about changes in our Prices and Services, as well as other information exchanged between the Parties, will be conducted either in Lithuanian, English, or another language specifically agreed upon with you. We may communicate: through your Account by email by phone through public announcements on our website. Communication between the Parties will primarily be conducted through your Account and by email. Any information we send you via these channels is considered delivered and effective. Emails can be sent to the addresses indicated on our Website, as well as to the email addresses you use for registration. If you call us by phone, we will use your data to verify your identity. Phone calls can be made during the hours published on our Website. You also have the right to receive these Terms and related information in paper form or any other Durable Medium we may provide. If you wish to contact us regarding these Terms, call +47 967 26 743 (note: telephone charges apply), contact us through the support service within the application, or email us at [email protected].

16. CHANGES TO PRICES, TERMS, AND SERVICE PROVISION PERIODS

We may change our Fees, Terms of service provision, and/or Service provision periods. We will present you with the updated Terms personally in your Account, and inform you (by email or SMS) at least 60 calendar days before updating them. You may accept or reject these changes. If you disagree with them, you must notify us in writing or by email at [email protected]. If we do not receive your notification of your rejection of the updated Terms within 60 calendar days, you will be required to follow the updated Terms. If you disagree with the new Terms, you may terminate the Terms immediately, free of charge, at any time after being notified of the changes and before they take effect. You must still fulfill any obligations that arose before terminating the new Terms.

17. SECURITY AND CORRECTIVE MEASURES

You are responsible for the security of the devices you use to log in to the system. Please do not leave them unattended or within the reach of other people. As soon as you become aware of the loss, theft, unlawful appropriation, or fraudulent use of the Payment Instrument, you must immediately inform us (or any other entity designated by us) in your client Account and, at the same time, either send us an email from the email address you registered in our system or call us. At this stage, we may take additional steps to ensure that it is you. If you notice any suspicious activity in your Account, or you think that third parties may have accessed the system, you must: immediately inform us and request to block your Account, and change your password. If your Account is used for any improper activities (e.g., fraud, crime, terrorism, or other offenses), you will be legally responsible.

18. WHAT HAPPENS WITH UNAUTHORIZED PAYMENTS

If you believe that the Transfer was unauthorized or made in error, you must notify us in writing within 13 months from the date of the transaction. If you fail to do so, the Transfer is considered approved by you. If you notify us of the loss, theft, misappropriation, or fraudulent use of the Payment Instrument, as described in clause 17.2 above, you will not bear any financial consequences from the unauthorized use of the lost, stolen, or illegally appropriated Payment Instrument (unless you have acted fraudulently). As soon as we become aware that the Transfer was made without your approval, we will refund the amount of the Transfer no later than the end of the next Business Day and, where applicable, restore the balance of your Account (unless we suspect fraud). You will cover all losses incurred as a result of your fraudulent actions or in case of failure to fulfill your security obligations (see section 16) intentionally or through gross negligence. If we suspect fraud, we will inform the Bank of Canada. If we do not require Strong Customer Authentication, you will bear the losses from unauthorized Transfers only if you have acted fraudulently.

19. OUR LIABILITY FOR PROPERLY EXECUTED TRANSFERS

When we execute a Transfer according to the Unique Identifier specified by you in the Payment Order, the data about the Recipient is considered correct. We have the right (but are not obliged) to check whether the Unique Identifier specified in the Payment Order matches the name and surname of the account holder. If we find an obvious discrepancy, we may refuse to execute the Transfer. If a Payment Order that you properly initiated is executed incorrectly (or not executed at all), we (at your request) will immediately attempt to track the Transfer and inform you of the results of our search free of charge. When we execute a Payment Order according to the incorrect data provided by you, we are not responsible if the Transfer is incorrect or incomplete. We will attempt to recover the funds from incorrect Transfers, and if we cannot, we will provide you with all the relevant information we have (in writing or on any other Durable Medium) so that you can file a claim to recover the funds. If the error is due to our fault, and we are responsible for incorrect or incomplete Transfers, we will return the money to you without undue delay and, where applicable, restore the balance of the Account from which the funds were debited. We will also compensate you for any costs associated with incorrect or incomplete Transfers made due to our fault. We are not responsible for indirect losses incurred by you as a result of incorrect or incomplete Transfers. We are only responsible for your direct losses. If you choose to use our Services to pay for goods and services from third parties, you do so at your own risk. We do not control the quality, safety, legality, or delivery of these goods and services. The limitations of our liability will not apply if they are prohibited by law.

20. REFUND OF TRANSFERS INITIATED BY THE RECIPIENT

You may recover the full amount of completed Transfers initiated by the Recipient or with their participation if: the exact amount was not indicated when authorizing the Transfer, and the amount of the Transfer exceeds the amount that could reasonably be expected from you. We will ask you to provide us with information about these conditions. You may request such a refund within 8 weeks from the date of the funds being debited. We will return the full amount to you within 10 Business Days of receiving your refund request or explain why we cannot return the money and explain the procedure for appealing our refusal.

21. ERRORS

If you notice that funds that do not belong to you have been credited to your Account, you must immediately notify us. If any amount has been mistakenly credited to your Account, we may debit it without your separate consent. If you no longer have funds in your Account for such a debit, you must return them to us within 3 Business Days after receiving our request. If you refuse to cooperate and do not return the funds, nahart will take legal and enforcement actions.

22. PROHIBITED ACTIONS

When using our Services, you are prohibited (including but not limited to): from violating these Terms, any amendments to them, and legal acts from refusing to provide information or take other actions we reasonably request from making or receiving transfers of illegally acquired funds, which you either know or should know from using our Services in a way that leads to losses, liability, or other negative legal consequences or damage to our business reputation from spreading computer viruses and taking other actions that may lead to malfunctions in our system, damage, or destruction of information, as well as any other damage to our system, equipment, or information from disclosing your passwords and other Personalized security means in your Account to any other person. You are obliged to compensate all direct losses, fines, and other monetary penalties that we incur in case of your violation or non-compliance with these conditions, including (but not limited to) the above.

23. PROTECTING YOUR MONEY

We cooperate with regulated credit institutions that hold client funds separately from our own funds in accordance with applicable legal norms. This is called safeguarding. Since your funds are under separate safeguarding, in the event of our insolvency, after covering all insolvency-related costs, you (and all our other clients) will receive a payout from the safeguarded accounts held in the regulated credit institution. This process will be managed not by us but by an administrator. More detailed information on how we take care of your money is available here: https://nahart.org.

24. CONFIDENTIALITY

All agreements you enter into with us, as well as all information and data exchanged between the Parties, are confidential. They will be used only for the purposes of these Terms and only to the extent necessary for these purposes. If supervisory and/or law enforcement authorities request confidential information, its disclosure will not be considered a violation of the above conditions.

25. PERSONAL DATA PROTECTION

Your personal data is processed by us in accordance with our Privacy Policy, which is available on our Website. Please read it before accepting our terms. You will be asked to give separate consent to comply with our Privacy Policy.

26. TERM AND TERMINATION

The validity of these Terms may be terminated by mutual agreement. You may terminate these Terms at any time by notifying us (in writing or any other Durable Medium) at least 30 days in advance. You can terminate these Terms free of charge, except in cases where the Terms have been in effect for less than 6 months. We may terminate these Terms by notifying you 60 days before their termination in writing or any other Durable Medium. We may also terminate these Terms (with 60 days` notice) if you have not made any Transfers for 12 or more months. Before doing so, we will contact you to understand the purpose of your Account with us. We may immediately terminate these Terms if we reasonably deem it appropriate or determine that you: Violate applicable laws or regulations Provided us with false or misleading information or documentation and/or did not update the information and documentation provided to us Use the Services to make or receive Transfers for activities prohibited under these Terms, or otherwise use the Services for malicious, illegal, or immoral purposes Upon termination of these Terms, we will send you detailed information about all Transfers made during the term of these Terms, i.e., for the 36 months prior to the termination date. Any obligations arising before the termination date of these Terms will be duly fulfilled.

27. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms have been prepared in accordance with the laws of Canada. Disputes between the Parties should be resolved through negotiations. If we are unable to resolve them this way, you can file a complaint by mail or email. We will ask you to provide your first and last name, contact details such as your phone number and email, details of the complaint, copies of any documents supporting your complaint, and a description of how you would like us to resolve the issue. If you wish to file a complaint by email, please send it to [email protected]. Upon receiving your complaint, we will acknowledge its receipt and indicate the time frame within which we can respond. This time frame depends on the complexity of your complaint, but we will do our best to respond as soon as possible, and no later than within 15 business days. If we determine that we cannot respond within this time frame, we will inform you when to expect our response, which will be provided within 35 business days. You also have the right to contact the relevant Canadian authority to resolve the dispute with us under the following conditions and procedures: Before contacting the relevant Canadian authority, you must contact us as described above, no later than within 3 months from the day you became aware that your rights might have been violated. If you are not satisfied with our response or did not receive one within 15 or 35 days as stated above, you may contact the relevant Canadian authority within 1 year from the date of first contacting us. After this year, you lose the right to contact the relevant Canadian authority to resolve the dispute. You can contact the relevant Canadian authority to resolve the dispute with us through the electronic dispute resolution tool on the relevant Canadian portal, by filling out the appropriate form and sending it to the relevant Canadian authority.

28. FINAL PROVISIONS

These Terms will take effect after we approve your application and register you. They will be valid indefinitely unless we enter into a separate agreement with you. You can reject these Terms for free within 14 days from agreeing to them. You can do this either in writing or in your Account. None of the parties is responsible for any economic losses, delays, or inability to fulfill any part of these Terms to the extent that such losses, delays, or inability to fulfill are caused by fire, flood, explosion, accident, war, strike, embargo, government requirements, civil and military authorities, natural disasters, civil unrest, internet unavailability, hacking or distributed DoS attacks, inability to ensure the security of materials or labor resources, termination of vital agreements by third parties, actions of the other party or any other reasons beyond the control of such party. If such force majeure circumstances last for more than 3 months, any of the parties has the right to terminate these Terms immediately after sending a written notice. We are not responsible for the failure to fulfill our obligations set out in these Terms resulting from an emergency and/or quarantine declared by governments. You are fully responsible for ensuring the accuracy of transaction details before sending. nahart may charge an additional fee for transactions initiated with a corporate card to cover additional costs charged by the card issuer and payment systems for processing such transactions.