1.1 In order to provide you with YFPAY.com services in accordance with applicable laws and regulatory requirements, YFPAY.com must ask you for certain information about yourself, including financial information (such as your identity information, e-commerce sales, beneficiary accounts, etc.). YFPAY.com will use the information you provide in accordance with the information protection laws of the relevant jurisdiction. The information obtained should, in principle, be used by YFPAY.com solely for providing YFPAY.com services only to the extent necessary for providing such services. Except when we have legal obligations or due to legal regulations or to properly provide services, the information we store about you should not be disclosed to third parties in principle.

1.2 This policy applies to any user worldwide who uses the products, services, technologies or functions we provide (when such user is a business entity, it applies to the owner of such user or any individual acting on behalf of such user), as well as any visitor who accesses our website, mobile applications or other channels.

2.1 From Visitors

YFPAY.com automatically collects non-personally identifiable information that web browsers and servers typically provide, such as browser type, language preference, referring site, and the date and time of each visitor request. The purpose of YFPAY.com collecting non-personally identifiable information is to better understand how YFPAY.com visitors use its website, mobile applications or other channels. We collect through cookies, web beacons, log files and other technologies:

• Your domain name, your browser type and operating system, the web pages you view, the links you click
• Your IP address, the length of time you visit our website, mobile applications or other channels or use our services, your activities on our website, mobile applications or other channels, and the referring URL or web page that led you to our website, mobile applications or other channels

2.2 User Provided

You can provide us with information about you by filling out forms on our website, mobile applications or other channels (such as YFPAY.com account registration) or by contacting us (such as by email or phone). The information you provide may include information about other people such as beneficial owners of YFPAY.com services. These ways of providing information to us include:

• When you register a YFPAY.com account
• When you log into your YFPAY.com account
• Submit any settlement orders through your YFPAY.com account
• When participating in activities, promotions or surveys
• When reporting problems or support requests

3.1 When you apply for a YFPAY.com account, execute any transactions on the YFPAY.com platform or use other YFPAY.com services, we collect personal information you provide. This may include:

• Your contact information (such as name, email address, phone number, billing or mailing address)
• Bank and credit account information
• IP address
• Identity verification (such as photos, other information you are required to provide to verify your identity, including copies of valid identity documents)
• Public criminal history
• National ID number
• Nationality
• Date and place of birth
• Details of any transactions conducted using any service
• Any other information you choose to provide to us
• Phone/email/other communication methods
• Information through cookies and other tracking technologies listed above, as described in "Cookies" below

3.2 If you need to provide information about shareholders or beneficial owners of your business, you confirm that you have obtained their consent to provide their information to us. This may include:

• Contact information such as name, address, email address, etc.
• Account information such as username and password
• Financial information such as bank account numbers, bank statements and transaction information
• Identity verification information such as government-issued identity documents, passports, national ID cards or driver's licenses from your country. Note: US residents may be required to provide Social Security numbers
• Address verification information such as utility bill details or similar information

3.3 To provide YFPAY.com services, we may collect and process personal information provided by buyers or third parties related to your business.

You are responsible for ensuring that the privacy rights of any third parties (including buyers and other individuals related to your business) are respected, including ensuring appropriate disclosure of the collection and use of third-party information; for such information, you are hereby deemed and accepted as the information controller. As your information processor, we will process personal information in accordance with our agreement terms and your lawful instructions.

4.1 We will only use your personal information in the following circumstances:

• When you use our services, we need to verify your identity (including through SMS or voice calls, as appropriate)
• Process your transactions
• Conduct necessary controls and checks in accordance with anti-money laundering/terrorist financing laws, and understand your customer requirements and handle other law enforcement needs in accordance with applicable laws and internal control policies, as more fully described in our specific product service agreements
• Related to our legal or regulatory rights and obligations, including financial reporting, regulatory reporting, management reporting, risk management (including fraud prevention, transaction monitoring and financial crime detection), audit and record retention purposes, and seeking professional advice (including legal advice)
• Analyze YFPAY.com website usage, improve website and website products
• Help us respond to your customer service requests and support needs
• To customize the content and information we send or display to you based on your needs, provide location-based personalized services (to the extent permitted by applicable law), personalized help and guidance, and personalize your experience when you use our website, mobile applications and other channels and/or our services, we may develop and provide new and/or additional services for you based on your qualifications (based on our periodic assessments), or provide new and/or additional features based on existing services
• Contact you about YFPAY.com services. The email address you provide may be used to communicate information and updates related to using YFPAY.com services. We may also occasionally communicate company news, updates, promotional activities and related information about YFPAY.com similar products and services
• Better understand how users access and use our website, mobile applications and other channels and/or our services, both from an aggregate and individualized perspective, to manage, monitor and improve our website, mobile applications, other channels and/or services, for our internal purposes and other research and analysis purposes (including through our online surveys)
• Manage activities, promotions, surveys or other website features, which will be explained in more detail on the website

5.1 YFPAY.com only discloses potentially personally identifiable information in the following circumstances:

• When laws and regulatory authorities require the provision of personal information in accordance with applicable laws
• For its employees, service providers and affiliates who need to know such information to process or provide services, and who have agreed not to disclose it to others, as described below

5.2 Disclosure to Third Parties

When processing your transactions, we may share some of your personal information with service providers or contractors to help us conduct our business. Your information will not be sold, exchanged or shared with any third party without your express consent, except to provide YFPAY.com services or as required by law. By using our services and accepting our service agreement, you agree to the disclosure of your personal information as described in this Privacy Policy.

5.3 Disclosure to Legal Authorities

In the following circumstances, we may share your personal information with law enforcement, data protection authorities, government and other agencies:

• When required by subpoena, court order or other legal process
• When we believe disclosure is necessary to prevent actual harm or financial loss
• When disclosure of information about suspected illegal activities is necessary
• When disclosure of information about violations of this Privacy Policy is necessary

6.1 Our services are global, and information may be stored and processed in any country/region within our business scope and in areas where we cooperate with service providers. The information we collect may be transferred to and/or stored in destinations outside your country of residence or the platform's jurisdiction. These jurisdictions may have different information protection rules than your country, including transmission of information to regulatory authorities, or transmission to employees operating abroad who process information on our behalf or on behalf of our suppliers, who may be engaged in business to fulfill your requirements and provide support services. However, we will take measures to ensure that any such transfers comply with applicable information protection laws and ensure that your information protection meets the standards described in this Privacy Policy. By submitting information, you consent to the transfer, storage or processing. We will take all reasonable and necessary steps to ensure that information is processed securely and in accordance with this Privacy Policy and relevant information protection regulations.

6.2 The general provisions described in Article 6 are further supplemented for European Economic Area (EEA) and UK users through specific provisions in Article 11.

7.1 YFPAY.com takes appropriate organizational and technical measures to prevent unauthorized access, use, alteration or destruction of potentially identifiable and personally identifiable information.

7.2 All information you provide to us is stored on our secure servers. You are responsible for keeping your account secure and not sharing it with anyone.

7.3 Transmitting information over the Internet is not completely secure, and any transmission is at your own risk. While no one can guarantee the security of information transmitted over the Internet, we do our best to protect the security of information transmitted through YFPAY.com accounts. We use industry-standard security technologies to help keep information secure, including encryption for information transmission and other situations.

7.4 YFPAY.com websites, mobile applications or other channels may periodically promote links to our partners', advertisers' and affiliates' websites. If you click on links to access these websites, please note that these websites have their own privacy policies, and we are not responsible for these policies. Please review these policies before submitting any user information to any third party.

8.1 We will store your personal information based on your partnership with us and retain this information for a certain period after the partnership ends, depending on the legal obligations of laws and regulations on us as a payment service provider; to the extent not prohibited by applicable law, we retain specific periods based on our internal policies and procedures to prevent fraudulent activities, conduct risk management, respond to claims and ensure security.

8.2 Our data retention periods vary by data type and take into account relevant laws and regulations. We determine this period based on the specific legal requirements of the country or region where the data applies.

8.3 When you wish to delete your information, you can choose to delete specific PhotonPay products, including any personal information associated with these products; or you can choose to delete your entire PhotonPay account. After receiving your deletion request, we will initiate the deletion process to ensure that your data is securely and completely deleted from our servers, or retained only in anonymous form. We are committed to ensuring that PhotonPay services can prevent information from being deleted due to accidental or malicious actions. For this reason, if you request data deletion, it may take a specific time to delete all copies from our system.

We may revise this policy from time to time to reflect new services, changes in privacy practices or relevant legal requirements. The "Last Updated" date at the top of this policy indicates when this policy was last substantively revised. The effective time of any revisions is the later of the following two time points:

• The time we publish the revised policy in the service
• The time we provide update notifications in other ways as required by law

For this policy or related disclosures and notifications about the personal data collected, we may provide them to you through official website announcements; if you are an end user or authorized representative, we may notify you through your control panel, email and other contact methods listed in your YFPAY.com account.

To make this website work properly, YFPAY.com, like many other major websites, sometimes uses small information files called cookies or other tracking technologies to track information about your use of our website and services. We may use third-party service providers to collect this information on our behalf.

10.1 What are Cookies?

Cookies are small text files that websites save on your computer or mobile device when you visit that website. It allows the website to remember your actions and preferences (such as login, language, font size and other display preferences) for a period of time, so you don't have to log in again when you browse from one page to another or return to the website.

10.2 How We Use Cookies and Tracking Mechanisms

YFPAY.com websites use the following cookies/tracking mechanisms:

• Session Cookies: Session cookies are temporary cookies that remain in your browser's cookie file until you leave the website. We use session cookies to allow you to transfer information between pages on our website and avoid resubmitting the same information. Cookies are deleted after the web browser is closed.
• Persistent Cookies: Persistent cookies remain in your browser's cookie file (for a period depending on the specific cookie's cycle). We use persistent cookies in the following situations: to help us identify you as a unique visitor when you return to our website and monitor your use of our website; if you come to our website through paid advertisements on affiliate or partner websites, to allow us to link you to any of our partners. Cookies are automatically deleted according to their own expiration date after your web browser is closed.
• Web Beacons: Some of our web pages may contain web beacons that allow us to count users who have visited these pages. Web beacons collect only limited information, including cookie numbers, the time and date of page views, and a description of the page where the web beacon is located. These beacons do not carry any personally identifiable information and are used to track the effectiveness of specific marketing campaigns.

10.3 How to Control Cookies

You can control and/or delete cookies as needed. For more information, please see aboutcookies.org. You can delete all cookies that already exist on your computer, and most browsers can be set to prevent cookies from being stored. However, if you do this, you may have to manually adjust certain preferences each time you visit the website, and some services and features may not work properly.

10.4 Opt-in and Opt-out of Non-essential Cookies

For non-essential cookies and tracking technologies (such as cookies used for analytics or marketing purposes), we will seek your express consent when you first visit the website and provide convenient consent management options. We are committed to providing you with clear control over how cookies are used. For non-essential cookies and tracking technologies (such as cookies used for analytics or marketing purposes), we require express opt-in consent before use.

As new features are added to YFPAY.com services, or as we incorporate stakeholder suggestions, this Privacy Policy may be modified over time. We may change this Privacy Policy at any time by publishing its revised version on our website. When required by law, we will notify you of the effective date of the revised Privacy Policy at least 30 days in advance as required by law. We may post notices on the homepage of our website and/or send notifications by email. From the effective date of the revised Privacy Policy, you will be deemed to agree to all changes to this Privacy Policy. If you do not agree to the terms of this Privacy Policy, you can close your account at any time.

To the extent permitted by applicable law and GDPR regulations, we are not liable to you for any claims, losses, damages, costs (including reasonable legal fees) arising from the use and/or disclosure or dissemination of user data, where such use and/or disclosure or dissemination is conducted in accordance with this privacy policy and any other consent you may provide to us.

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