User Agreement

This User Agreement ("Agreement") is a legal contract between you ("User," "you," or "your") and CoverPay Inc. and Hedge Liquidity Services LLC (collectively, "CoverPay," "Hedge," "we," "us," or "our"). By accessing or using the CoverPay platform, services, APIs, or any associated applications (collectively, the "Services"), you agree to be bound by this Agreement.

CoverPay provides Buy Now, Pay Later ("BNPL") aggregation and routing services that connect users with third-party financing providers. Hedge Liquidity Services provides the underlying payment infrastructure and settlement services.

To use the Services, you must:

• Be at least 18 years of age
• Be a resident of the United States
• Have a valid government-issued identification
• Have a valid Social Security Number or Individual Taxpayer Identification Number
• Not be on any U.S. sanctions lists or restricted persons lists
• Have the legal capacity to enter into this Agreement

When you create an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

You must immediately notify CoverPay of any unauthorized access to or use of your account by contacting support@coverpayme.com.

4.1 BNPL Aggregation

CoverPay aggregates offers from multiple BNPL providers (including but not limited to Klarna, Affirm, Afterpay, and PayPal Pay Later) and presents them to you in a unified interface. CoverPay uses smart routing algorithms to recommend providers based on approval likelihood, APR, and terms.

4.2 Provider Selection

You may select any available provider. Each provider has its own terms and conditions, which you must separately agree to. CoverPay is not a party to the financing agreement between you and the BNPL provider.

4.3 CoverPay Native Financing

In certain cases, CoverPay may offer direct financing through Hedge Liquidity Services. These offers are subject to credit approval and separate lending terms disclosed at the time of the offer.

CoverPay may charge convenience fees for processing BNPL transactions. All fees are disclosed before you confirm a transaction. You agree to pay all applicable fees in connection with your use of the Services.

Third-party providers may charge their own fees, interest, or late payment penalties. CoverPay is not responsible for fees charged by third-party providers.

By using the Services, you authorize CoverPay and its partners to obtain consumer reports and verify your identity. Credit decisions may involve soft or hard credit inquiries depending on the provider and product.

CoverPay assigns internal credit limits based on its proprietary risk assessment. These limits are separate from limits set by third-party providers.

You agree not to:

• Use the Services for any illegal purpose
• Provide false or misleading information
• Attempt to manipulate the routing or approval process
• Use the Services for money laundering or terrorist financing
• Access or attempt to access other users' accounts
• Reverse-engineer, decompile, or disassemble any part of the Services
• Use automated systems to access the Services without authorization

All content, trademarks, logos, and intellectual property associated with the Services are owned by CoverPay Inc. or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Services in accordance with this Agreement.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COVERPAY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICES.

CoverPay is not responsible for the actions, products, or services of third-party BNPL providers. Your relationship with each provider is governed by their respective terms.

Any disputes arising from this Agreement shall be resolved through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules. You agree to waive your right to a jury trial and to participate in class action lawsuits.

Either party may terminate this Agreement at any time. Upon termination, your right to use the Services ceases immediately. Any outstanding obligations (including repayment of BNPL transactions) survive termination.

This Agreement shall be governed by the laws of the State of Delaware without regard to its conflict of law provisions.

CoverPay reserves the right to modify this Agreement at any time. We will notify you of material changes via email or through the Services. Your continued use of the Services after changes constitutes acceptance of the modified Agreement.

CoverPay Inc.
Email: legal@coverpayme.com
Website: https://coverpayme.com

Hedge Liquidity Services LLC
Email: legal@hedgepayments.com