Consumer Terms of Use – Wallyx

These terms (“Terms”) govern the use of the Wallyx application operated by Nayax Ltd. or a subsidiary within the Nayax Group (“Nayax”), as well as any service or activity provided or performed through it. Use of the Application—including registration, account creation, or any other action—constitutes full and irrevocable consent to these Terms and to the Privacy Policy which can be found at:
https://gateway-prod.wallyx.app/api/bff/marketplace/docs/legal/privacy/en.html

The Application is intended for personal use only. The services provided through the Application do not constitute a regulated financial service, a bank account, a payment card, electronic money, a deposit, credit, or the holding of funds on behalf of the User. They also do not require a license under any law.

Nayax may, at any time and at its sole discretion, update, modify, restrict, or discontinue the Application or the services provided through it, in whole or in part, and make adjustments required to comply with applicable law—without prior notice and without any claim by the User.

IF YOU DO NOT AGREE TO THESE TERMS, IN WHOLE OR IN PART, YOU MUST REFRAIN FROM ANY USE OF THE APPLICATION.

1. Loyalty Program

The Loyalty Program enables consumers who have accumulated Coins by purchasing products and/or services using Nayax devices and/or systems at unattended payment points to convert such Coins into Vouchers via the Application and use them to redeem Benefits at participating Merchants, all subject to these Terms.

BY JOINING OR PARTICIPATING IN THE LOYALTY PROGRAM, THE USER CONFIRMS THAT THEY HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THESE TERMS.

2. Definitions – Loyalty Program

· “Application” – A digital interface intended for consumer use only, enabling Users to accumulate Coins when purchasing products and services through Nayax devices, convert such Coins into Vouchers, and redeem them for Benefits at Merchants. Coin accumulation is conducted solely with Nayax; the Merchant is not a party to that process.

· “Merchant” – A business that has joined Nayax’s Loyalty Program and enables consumers to redeem Vouchers and enjoy Benefits, under the Merchant’s sole responsibility and in accordance with the redemption terms presented in the Application.

· “Benefits” – Any discount, product, service, credit, Voucher, gift, or other consideration offered by a Merchant to a User, under the Merchant’s sole responsibility, in connection with the redemption of Vouchers via the Application, including fixed-amount discounts, percentage discounts, free additional products, or gifts contingent on minimum purchase amounts.

· “Tier Benefit” – The benefit or benefits granted to a User based on the Tier to which they are assigned (including, to the extent published in the Application, a number of free monthly Benefit redemptions (claims) per calendar month, which increases according to the Tier level), as published in the Application from time to time.

· “Stars” – An internal accrual value earned by the User within the Application for performing actions that qualify for accrual, as determined by Nayax from time to time and published in the Application (including, among others, making a purchase, performing a daily action in the Application, redeeming a Benefit, and completing a personal profile). Stars are used to determine the User's Tier under the Tier Program. Stars have no cash value and do not constitute money, Coins, or Vouchers as defined in these Terms.

· “Coins” – Credits or any other form of entitlement accumulated by the User when purchasing products and/or services at a Merchant using Nayax payment devices, which may be converted through the Application into Vouchers for redemption at Merchants.

· “Tier” – The classification level to which a User is assigned based on the Stars balance they have accumulated, among the Tier levels published in the Application from time to time, which entitles the User to the applicable Tier Benefit.

· “Vouchers” – A virtual value received by converting Coins via the Application, which may be used to redeem Benefits at a Merchant.

· “User” – A private individual participating in the Loyalty Program or Monyx, as applicable, who purchases products and/or services from a Merchant.

· “Consumer Protection Law” – The Israeli Consumer Protection Law, 1981, or any law replacing it, as amended from time to time, including regulations issued under it and any other consumer-protection laws applicable from time to time.

3. Joining and Using the Loyalty Program

· Joining the Loyalty Program is possible only through the Application.

· By registering through the Application, you confirm that you have read, understood, and agreed to these Terms. Continued use of the Loyalty Program following any changes constitutes consent to such changes.

· Nayax may revoke eligibility, deduct Coins, or cancel Benefits in cases of suspected misuse, fraud, duplicate registration, repeated exploitation, or any activity contrary to these Terms or Nayax policies.

· By using the Loyalty Program, you agree that Nayax may temporarily or permanently suspend your account, cancel participation, or take other actions if there is suspicion of a breach or unlawful activity.

· You may terminate participation in the Loyalty Program at any time through the Application or by contacting Nayax. Termination will not impair your right to redeem accrued Benefits, provided they comply with the applicable redemption terms.

· Registration requires providing a phone number. You declare that the information provided is accurate, complete, and up to date.

· Eligibility is limited to private consumers who are Israeli residents aged 13 or older. Nayax may limit or prevent participation at its discretion, including in cases of misuse or suspicious activity.

· You are solely responsible for safeguarding your account credentials. Nayax bears no responsibility for loss or unauthorized use of the account.

4. Accumulation of Coins and Conversion to Vouchers

· Coins are accumulated through purchases made using Nayax devices, in accordance with Nayax policy and limitations published in the Application. Nayax may change the accumulation method or Coin value, subject to publication in the Application.

· Nayax may also allow Coin accumulation through additional activities such as registration, referrals, marketing activities, or writing reviews. The terms of such activities will be published in the Application from time to time at Nayax’s sole discretion.

· Coins carry no expiration limit, and may remain in the account for as long as the account remains active and is not closed under these Terms.

· In cases of recording errors, technical malfunctions, or incorrect balance calculations, Nayax may correct the balance according to its internal records, without any claim by the User.

· Nayax may cancel Coins or Vouchers accumulated unlawfully, including due to misuse, canceled purchases, returns, or activities contrary to these Terms.

· Voucher redemption is subject to each Merchant’s policy. Nayax is not responsible for the content, availability, or terms of the Benefit.

· Coins and Vouchers are personal, non-transferable, non-saleable, non-assignable, and may not be combined with another user's balance or converted into cash. They do not constitute money or a means of payment.

5. Voucher and Benefit Redemption

· Vouchers may be redeemed only at participating Merchants and subject to the redemption terms displayed in the Application or by the Merchant.

· Each transaction, including Voucher redemption, is conducted solely between you and the Merchant. Nayax provides a technological infrastructure only and is not a party to the retail transaction. All claims related to the Merchant are the Merchant’s sole responsibility.

· Merchants may define Voucher validity as follows:

Display Validity – the date after which the Voucher will no longer be displayed or purchasable.

Redemption Validity – the period during which the Voucher may be redeemed. After expiration, it cannot be redeemed and no refund will be issued.

· Voucher validity will also comply with applicable Israeli law, where mandatory minimum periods apply.

· Nayax and participating Merchants may change, suspend, or cancel any Voucher or Benefit at any time without prior notice. Redeemed Vouchers will be honored according to their terms at the time of redemption.

· Voucher redemption is one-time only. Partial redemption results in forfeiture of the unused balance.

· In cases of technical issues or Merchant refusal to honor a Voucher, the User should contact Nayax via the Application. Nayax will make reasonable efforts to assist but does not guarantee refunds or compensation.

· The Application's data may sometimes be inconsistent with the Merchant's point-of-sale system data or with Nayax's payment system. In the event of a malfunction or lack of synchronization, Nayax will attempt to assist in resolving the matter, but does not undertake to restore value, issue an alternative Voucher, or compensate the User. Any delay or error resulting from third-party systems is not within Nayax's control.

· Participating Merchant lists may change. Nayax may add or remove Merchants at its discretion. If a Merchant is removed before redemption, Nayax may allow an alternative redemption period at its sole discretion, without any obligation to compensate the User.

· Each Merchant may set its own commercial terms, including a minimum purchase amount, redemption restrictions, combination with other promotions, entry times, and more. The User is responsible for checking the redemption terms as presented in the Application or by the Merchant. Nayax is not responsible for changes or differences in these terms.

6. Wallyx Activity – Digital Wallet

· Users accessing the Application via Monyx may use a rechargeable digital wallet, subject to these Terms.

· Nayax may verify the User's status and may restrict or suspend access if the User does not meet the eligibility conditions.

· Each transaction for the purchase of products and/or services, including redemption of a Voucher and/or Benefit, is conducted solely between you and the Merchant. Nayax is not a party to the transaction and is not responsible for any aspect related to the products or services provided by the Merchant, including their quality, price, availability, suitability, supply, or any defect in them. Any claim relating to the transaction — including cancellation, refund, non-supply, a defective product, or a faulty service — is the sole responsibility of the Merchant.

7. Definitions – Wallyx Activity

The terms used in these Terms shall be construed as follows:

· “Wallyx” – A digital platform offered by Nayax, comprising a digital wallet and related services, enabling the User to accumulate and use a Loyalty Bonus, Vouchers, or other benefits, in accordance with these Terms. Wallyx does not constitute a regulated means of payment and is not a bank account, payment card, or financial service.

· “Digital Wallet” – A component of Wallyx enabling the display, storage, management, and redemption of Balances, Loyalty Bonus, Vouchers, or other benefits available within Wallyx. The Digital Wallet does not hold fiat money and does not constitute a regulated financial service.

· “Wallyx Account” – A dedicated account for the User, in which Balances, Loyalty Bonus, Vouchers, or other benefits are displayed and/or managed.

· “Loyalty Bonus” – A cash refund, points, discount, Voucher, or any other in-kind benefit given to the User under the Loyalty Program via the Digital Wallet in Wallyx, by Nayax and/or the Merchant.

· “Balance”/“Balances” – Any value, code, points, Voucher, or Loyalty Bonus displayed in the Wallyx Account, including amounts representing a cash refund. The Balance is not fiat money and is not withdrawable in cash, but may only be redeemed under these Terms.

· “Merchant” – A third party offering services or products to the User, which is integrated into Wallyx to grant a Loyalty Bonus, Voucher, or other benefit under the Loyalty Program.

· “Services” – Any service, product, or feature offered as part of Wallyx, including the Digital Wallet, benefits management, Loyalty Bonus, and purchase or redemption interfaces.

· “Regulated Financial Services” – Services requiring a license under law, including the issuance of payment instruments, account management, accepting deposits, or credit services. Wallyx is not a regulated financial service and does not perform any such activity.

8. Wallyx User Account

· The User may not sell, assign, transfer, or share their Balance with a third party.

· Upon registration, the User must provide accurate, complete, and up-to-date personal details and payment method details. Providing false or misleading information may prevent registration and block use of the Wallyx services.

· Mandatory fields will be clearly marked. Registration cannot be completed without providing the mandatory details. Personal data will be used under the Privacy Policy.

· The User must keep their login credentials fully confidential. It is recommended that the User change their password from time to time and implement device security measures (passcode, facial recognition/fingerprint, etc.).

· The User is solely responsible for any action taken from their account, including misuse resulting from disclosure of access details to others.

· If the User's device is lost or unauthorized access is suspected (e.g., theft), the User must notify Nayax immediately to block the account. Unauthorized purchases made before such notification will not be refunded.

· If the device is lost, stolen, or damaged, Wallyx may be reinstalled and the login details re-entered — the Balance will transfer to the new device.

· Nayax may request additional documents or data from the User at any stage. Failure to provide them may result in suspension or closure of the account.

9. Customer Tier Program (Tiers)

· Accrual of Stars. Users accrue Stars for performing actions in the Application, as determined by Nayax from time to time and published in the Application. Nayax may change, at any time and at its sole discretion, the actions that qualify for Star accrual, the number of Stars granted for each action, and the method of calculating them, without prior notice and without the User having any claim, demand, or right to compensation. Current accrual details will be presented to the User in the Application.

· Determination of Tier and Movement Between Levels. Based on the Stars balance accumulated, the User is assigned to one of the Tier levels defined in the Application. Movement between Tier levels occurs immediately upon crossing the Star threshold required for the relevant level. The number of Tier levels, the threshold required for each level, and the benefits available at each level shall be determined by Nayax and presented to the User in the Application. Nayax may change, at any time and at its sole discretion, the number of Tier levels, the thresholds required to move between them, and the benefits available at each level, and will publish notice of the change in the Application.

· Tier Benefits. Each Tier level entitles the User to a Tier Benefit, as published in the Application. Nayax may add, remove, change, or replace the type and/or scope of the Tier Benefits available at each level (including, among others, Coin grants, discounts, or other benefits that are not free redemptions), at its sole discretion and subject to an updated publication in the Application.

· Decrease in Tier Level and Reset of Stars. Failure to perform an action that qualifies for Star accrual for a continuous period, as defined by Nayax and published in the Application, may result in a gradual reduction of the User's Star balance and, subsequently, a decrease in Tier level, down to no lower than the base Tier level. Performing any action that qualifies for Star accrual resets the count of such days. The User's Star balance will not fall below zero, and the Tier level will not fall below the base Tier level. Nayax may change the length of such period from time to time, at its sole discretion.

· No Cash Value; Personal and Non-Transferable. Stars, Tier, and Tier Benefits have no cash value. They are personal to the User only, and may not be transferred, sold, assigned, converted into cash, or combined with the balances, Stars, Tier, or benefits of other users.

· Correction of Errors. If there is a recording error, technical malfunction, or incorrect calculation of the Star balance or Tier level, Nayax shall be entitled to correct the record according to the correct data, without the User having any claim, demand, or right.

· Change or Discontinuation of the Tier Program. Without derogating from the provisions of the Changes and Discontinuation of Services section above, Nayax may, at any time and at its sole discretion, change, limit, suspend, or discontinue the Tier Program, in whole or in part, and may change any aspect relating to the accrual of Stars, Tier levels, or Tier Benefits, subject to an updated publication in the Application and without prior notice.

· Relationship to the General Terms. The Tier Program constitutes part of the benefits offered to Users within the Application and the Loyalty Program, and use of it is subject to all provisions of these Terms applicable to the Loyalty Program and the Application, including regarding limitation of liability, intellectual property rights, changes to and discontinuation of services, privacy, and the exclusive jurisdiction of the courts in Tel Aviv–Jaffa, mutatis mutandis.

10. Loading a Balance into the Wallyx Wallet

· The User may load a Balance into the Wallyx wallet using the payment methods supported in the Application.

· Nayax may update the supported payment methods at any time without prior notice.

· Payment for loading is processed through external payment processors. These providers may charge fees, and Nayax is not responsible for such fees.

· By linking a payment method, the User confirms and represents that: (1) they hold the legal right to use the payment method; (2) they authorize the charge upon loading; (3) the Balance will be reduced upon purchase, including due to currency conversion or third-party fees; (4) in certain cases the charge may be made directly to the card without any change to the wallet Balance; and (5) if automatic loading has been activated, they authorize recurring charges until the payment method is removed.

· Nayax may request additional documents from the User for verification purposes before approving a load.

· Following a load, the amounts paid belong to Nayax, and the User receives a right to use this value within the network of Merchants supporting Wallyx. The Balance does not constitute a deposit, is not “electronic money,” does not bear interest, and is not transferable to another user.

· Loading a Balance is non-refundable, except in accordance with the rules set out in the Application. Cancellation of a transaction will be handled with the credit card company only.

· If a technical malfunction attributable to Nayax occurs during loading, Nayax will credit the Balance in the relevant amount following review.

· Upon closing an account, the User may request a refund of the Balance, subject to the fees/limitations presented in the Application. A Balance that remains unused for 5 years will expire, and a refund of a load may be requested for up to 6 months from the date of loading.

11. Coins, Vouchers, and Bonuses

· As part of Wallyx activity, Nayax and/or participating Merchants may offer Users bonus or cashback programs available via the Digital Wallet.

· The list of Merchants or machines participating in these programs will be presented in the Application.

· Participation in the bonus programs is subject to the rules presented in the Application, which may change at any time without prior notice. Nayax and/or the Merchant may change, suspend, or discontinue any bonus program, in whole or in part, at any time.

· As part of the bonus programs, the User may receive:

• Loyalty Bonus – any cash or in-kind benefit (including a cash refund, points, discount, Voucher, or other benefit entitlement) granted to the User under the Loyalty Program via the Digital Wallet in Wallyx, by Nayax and/or the Merchant.

• Participation Bonus – a cash or points bonus given for a specific action performed in the Application (for example: loading, a purchase, or participation in a marketing activity).

Cash bonuses accumulated within Wallyx may appear as part of the Balance in the Digital Wallet and may be used for purchases at participating Merchants.

· The total Balance value in the Wallyx wallet may include a cash balance and cash bonuses. Non-cash bonuses (points, Vouchers, gifts, etc.) will be displayed separately.

· Benefits, Vouchers, or bonuses may be given by Nayax or by the Merchant, as applicable. Benefits originating from a Merchant – the Merchant bears full responsibility for honoring them. Benefits originating from Nayax – will be given in accordance with the terms presented in the Application and at Nayax’s sole discretion, and in accordance with a policy that may change from time to time. Nayax may terminate, change, or cancel such benefits at any time.

12. Using the Balance/Bonuses at Points of Sale and Machines

· The Balance and bonuses may be used only at participating Merchants/machines. The User is responsible for selecting the product/service and performing the actions in accordance with the instructions in the Application and at the point of sale.

· Clicking to complete a purchase constitutes confirmation to charge the displayed amount. The charge will first be made from bonuses/benefits and only thereafter from the Balance. If the Balance is insufficient, the transaction cannot be completed, and no credit line will be extended.

· The Merchant may add a fee, which will be displayed to the User before the transaction is completed.

· Cancellation of a transaction or a refund request will be made directly with the Merchant and in accordance with its policy and applicable law. Nayax is not responsible for the quality of the products or services, their suitability, supply, or any defect in them, and does not process refunds for completed transactions. If the Merchant approves a cancellation or refund, the refund will be made as determined by the Merchant, and may be made to the credit card, to the wallet Balance, or otherwise — at the Merchant’s sole discretion.

· If a technical malfunction in the Application or the payment device results in an erroneous charge, Nayax will credit the User following review.

13. Loading and Usage Limits

· Nayax may set additional limits on the scope of use, including: a minimum or maximum loading amount per single action, and a minimum/maximum transaction amount.

· The User can view the current limits in the Application after logging into their account. Nayax may update the limits without prior notice.

14. Currency Conversion; Fees

· The Balance is displayed in the local currency. If a purchase is made in another country, conversion will be performed at the exchange rate presented in the Application. Nayax does not currently charge fees or conversion margins; however, it may begin to charge conversion fees in the future. Nayax is not responsible for changes in currency value, changes in the purchasing power of the Balance, or inflation.

· Nayax does not charge a fee for purchases at participating Merchants or for participation in loyalty programs. Nayax may charge fees for certain payment methods when loading the Balance. Any applicable fees will be presented to the User in the Application.

15. License to Use the Wallyx Application

· Subject to these Terms, Nayax grants the User a limited, revocable, non-exclusive, personal, and non-transferable and non-assignable license to use the Application on their personal device — until termination or cancellation of these Terms.

· Wallyx is currently provided free of charge. Nayax may begin charging for it in the future, and will not do so except after providing notice to the User and obtaining their consent.

16. Permitted and Prohibited Use of the Wallyx Application

· Use of the Application is permitted for personal use only, and not for commercial use.

· The User undertakes to comply with the law and any instruction issued by Nayax.

· The User undertakes to refrain from: breaching these Terms; harming Wallyx’s activity or systems; attempting to locate or exploit security vulnerabilities; bypassing protective mechanisms or unauthorized activation of features; using bots, scrapers, or automation systems; impersonating another person or providing false details; collecting information about other users; using stolen or unauthorized payment methods; and engaging in unlawful activity through Wallyx.

· Nayax may use technological tools to detect misuse and may suspend or block the User at its discretion.

17. Suspension and Account Closure

· The User may stop using the service at any time by deleting Wallyx. Following termination, the User irrevocably waives any Balance/bonuses remaining after the period of non-use, with no right to a refund.

· Nayax may suspend or close the account if: misuse or a breach of these Terms has occurred; the User refuses to provide required information; there is a suspicion of unlawful activity; there has been no activity in the account for over 5 years; false details were provided; the User transferred their login details to others; or the User has owed a debt to Nayax for more than a month.

· Upon account closure: the User must stop using the Application and remove it from their device; Nayax may delete data; and the User will have no claim or entitlement to compensation for the closure or the deletion of data. Provisions which by their nature are intended to survive termination will continue to apply after termination.

18. Third-Party Advertisements and Content

· Wallyx may display advertising content or commercial information originating from Nayax, Merchants, or third parties. Nayax does not undertake the accuracy or reliability of such information and does not endorse the content.

· Wallyx may include links to third-party websites/services. Nayax is not responsible for the content, availability, or damages caused by their use. Full responsibility rests with the User.

19. Compliance – Wallyx

· Anti-Money Laundering Order. Given the limited scope of the activity, Wallyx’s activity is not subject to the Prohibition on Money Laundering Order (Identification, Reporting, and Record-Keeping Obligations of a Payment Services Provider for the Prevention of Money Laundering and Terror Financing), 5785-2024.

· No Holding of Funds for the User. Upon loading, the amounts are transferred to Nayax or to relevant third parties, and the User receives only a right to use the “Balance” within transactions with participating Merchants, in accordance with these Terms.

· No Interest / No Funds Management / No Investment. The Balance in Wallyx does not accrue interest, yield, linkage, or any other consideration. Nayax does not hold, manage, invest, or safeguard funds on behalf of the User.

· No Credit and No Cash Withdrawal. The Balance is not withdrawable in cash, transferable to a third party, or usable as credit of any kind. Wallyx may be used only to purchase benefits/products/services at participating Merchants. No credit line will be extended to the User, and no transaction is possible without a sufficient Balance.

· Limited Network. The Services may be used only at Merchants, machines, and systems participating in the Nayax/Wallyx system, and constitute a closed system for transferring value within a consumer club or internal loyalty program.

· Compliance with Anti-Money Laundering and Terror Financing Laws. Nayax may require documents and identifying details under any law, including the Prohibition on Money Laundering Law, 5760-2000, and may refuse or restrict use of the service if the required documents are not provided or if there is a suspicion of misuse.

· Change/Discontinuation of the Service. Nayax may change the structure of the service, halt Wallyx’s activity, or adapt the service to regulatory requirements, including Israeli law or other regulatory guidance.

20. Liability Limitation

· The services in the Application are provided “as is.” Nayax makes no representation or undertaking regarding availability, quality, absence of malfunctions, or fitness for a particular purpose, and does not undertake that the services will operate without interruption.

· Every purchase of products or services is between the User and the Merchant only. Nayax provides technological infrastructure and is not a party to the transactions. Any request to cancel a transaction, obtain a return, or complaint regarding products/services shall be directed to the Merchant directly, in accordance with applicable law.

· Nayax shall not be liable for any damage, loss, or expense — direct, indirect, consequential, or special — including due to malfunctions, outages, availability, unauthorized use, viruses/malware, or the act or omission of a third party. In any event, and to the extent required by law, Nayax’s liability is limited to an amount of up to NIS 100.

· Failure to perform an obligation due to force majeure shall not be deemed a breach, provided that reasonable notice is given.

21. Intellectual Property

· All rights in any Application, in the Loyalty Program, in Wallyx, and in all content and materials contained in them — including information, text, images, design, code, trademarks, logos, software, and systems — belong to Nayax and/or to third parties that have granted it a lawful license to use them.

· The User receives a personal, limited, non-exclusive, and non-transferable license to use the Application and the Program in accordance with these Terms only. Nothing in these Terms grants the User any ownership right or other right of use in Nayax’s intellectual property.

· The User may not do any of the following, directly or indirectly, without Nayax’s prior written approval: copy, duplicate, modify, translate, publish, transmit, distribute, rent, sell, publicly display, or create a derivative work from any part of the Application, the Program, or Wallyx.

· The name “Wallyx” and its related logos, and any other Nayax trademark, are Nayax’s exclusive property. The User may not use the trademarks without Nayax’s express prior written approval.

· Any feedback, idea, suggestion, development, change, or improvement provided to Nayax in connection with the Application or the services shall become Nayax’s exclusive property, without consideration and without limitation, and Nayax may use it in any manner whatsoever.

· The User undertakes not to reverse-engineer, disassemble, decompile, attempt to bypass security measures, or attempt to expose the Application’s source code.

22. Changes and Discontinuation of Services

· Nayax may, at any time and at its sole discretion, change, update, amend, suspend, or discontinue the services (including the Application, Wallyx, and the Loyalty Program), and make updates, upgrades, and changes to the code, or disable the services temporarily or permanently.

· If there is a material change or discontinuation of the activity, reasonable prior notice will be given, unless not possible in the circumstances (including a malfunction, breach of law, or suspicion of irregular activity). If the User has Balances/Coins/Vouchers, a redemption period of at least 90 days will be provided, after which they will expire without refund.

· The User acknowledges that online services may be subject to disruptions, malfunctions, outages, or security vulnerabilities, including due to changes or maintenance work that Nayax performs remotely. Nayax shall not be liable for any damage or loss as a result, to the extent permitted by law.

· Changes to, suspension of, or discontinuation of the services shall not entitle the User to any compensation or right of claim, and the User’s sole remedy is to stop using the services.

23. Privacy and Use of Personal Information

· Use of the Loyalty Program is subject to these Terms and to the Privacy Policy available at:
https://gateway-prod.wallyx.app/api/bff/marketplace/docs/legal/privacy/en.html

· Nayax collects and processes personal information required to operate the Application and the services available through it, including managing the User account, performing actions through the Application, presenting benefits, redeeming services, or performing payment transactions, all in accordance with Nayax’s Privacy Policy.

· Nayax may transfer personal information to third parties to the extent required to provide the services in the Application, such as to Merchants to redeem benefits or transactions, and to clearing or payment-processing providers to perform loads or charges. Third parties may not use the information for other purposes without the User’s express consent, unless required by law.

· The User may review, update, or request the deletion of personal information in accordance with applicable law, by contacting Nayax through the contact details listed in the Privacy Policy.

· Use of the Application constitutes consent to Nayax’s Privacy Policy, as updated from time to time.

24. Contact Details

Nayax may send the User messages, updates, and notifications through the Application. The support centers can be contacted at the following email addresses:

Wallyx: support@wallyx.app

Monyx: support@monyx.com

Or via the chat/support center in the Application.

Messages will be deemed delivered upon being sent. The User must keep their contact details up to date and check messages regularly. Nayax shall not be liable for failure to receive messages due to outdated details.

25. Miscellaneous

· These Terms constitute the entire agreement between Nayax and the User and supersede any prior representation or agreement. If a provision of these Terms is determined to be unlawful or unenforceable, the remaining provisions shall remain in effect.

· The parties act as independent contractors, and these Terms do not create a relationship of agency, partnership, employer-employee, or representation.

· The User may not assign, transfer, or delegate rights or obligations under these Terms without Nayax’s prior written approval. Nayax’s failure to exercise a right shall not be deemed a waiver.

· These Terms are governed by the laws of the State of Israel. Exclusive jurisdiction lies with the competent courts in Tel Aviv–Jaffa.