Hybrid Money supplied by Cluster Holdings S.A

(A) DESCRIPTION OF THE SERVICE

Hybrid Money encryption technology gives you added security and flexibility when you make proximity/distant purchases & financial transactions.

The Terms of Use below set out important information about our service(s) and how we use your information to verify your payment & financial transactions. For your benefit and protection, you should read these terms carefully and save or print a copy for future reference. You must cancel your transaction or use an alternative payment method if you do not want us to verify it using the Hybrid Money encryption technology service or if you do not accept the Terms of Use or understand how they apply to you.

Please ensure you make your proximity/distant purchases from reputable retailers. Cluster Holdings is not liable if you make purchases from non reputable retailers.

(B) Hybrid Money encryption technology - TERMS OF USE

1. VERIFICATION OF PAYMENT & FINANCIAL TRANSACTIONS
1.1. If we need to carry out additional verification of your payment request or financial transactions before processing it, we will ask you to input the Currency Number/PublicKey or Account Number and Password of your Hybrid Money wallet.
1.2. If you're unable to or do not wish to enter a valid Currency Number and PublicKey, for example if you do not agree to or accept these Terms of Use, your payment will not be processed. Once your payment is cancelled, you will need to use an alternative method of payment if you wish to proceed with your proximity/distant purchase.

2. USING INFORMATION ABOUT YOU
2.1. We will use personal and financial information we hold about you to verify your payment request. This includes information which we obtain from you or from third parties with permitted access to your information.
2.2. We may be required from time to time to disclose your personal information to Governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.
2.3. Otherwise, we will only use your information in accordance with our Privacy Policy.
2.4. We will not disclose your information to any online retailer.

3. Hybrid Money SECURITY
You are solely responsible for maintaining the confidentiality of your Hybrid Money information. You agree not to transfer or sell your use of, or access to, Currency Number/PublicKey or Account Number and Password to any third party. You agree to immediately notify us of any unauthorized use of your Hybrid Money information, or any other breach of security.

4. TERMINATION
4.1. We may suspend or terminate your use of the Hybrid Account service immediately:
4.1.1. If we suspect someone else is using or attempting to use your Account or making or attempting to make a payment without your authority;
4.1.2. If you breach your agreement with us;
4.1.3. If we are required to do so by any party assisting us in providing the Service;
4.1.4. If we are entitled to do so under your Cluster Holdings terms and conditions or any other agreement we have with you; or
4.1.5. If we reasonably believe it is necessary to do so but we will tell you immediately after suspending or terminating the Service.
4.2. We may suspend or terminate your use of the Service at any time without notice.

5. USER INDEMNITY
You agree to defend, indemnify, and hold Cluster Holdings S.A, its suppliers, resellers, partners and their respective affiliates harmless from and against any claims, liabilities, damages, losses and expenses, including reasonable attorney fees and costs, in connection with:

Your use of the Products;
Your violation of these Terms;
Your violation of any third party right, including any intellectual property right;
Your violation of the law of any relevant jurisdiction;
or any claim that use of Your data caused damage to a third party.

This indemnity obligation will survive the termination or expiration of Your account and these Terms.

6. CHANGES TO THER SERVICE TERMS
Cluster Holdings S.A may permanently or temporarily stop providing, or may modify the Services, any feature included in the Services, or the availability of the Services on any particular device, at any time and without notice to You. Cluster Holdings S.A may immediately terminate any Account should a third party make an intellectual property infringement claim relating to the Services. While not obligated to do so, Cluster Holdings S.A will try to communicate any such actions to You by either sending You an e-mail or by posting relevant information on our website. If the Services or these Terms are modified, Your continued use of the Services will constitute Your acceptance of the Service modifications and Your Agreement to be bound by the modified Terms. The current Terms will always be posted on our website. To stay informed of any changes, please review the most current version of these Terms at www.1stcurrency.org/terms. Your license to use the Services depends upon Your Agreement to be bound by these Terms and any modification to these Terms. If You do not agree to be bound by these Terms, You may not use the Services.

7. DISCLAIMER OF WARRANTIES
YOU AGREE THAT YOUR USE OF THE PRODUCTS IS AT YOUR SOLE RISK, AND THE PRODUCTS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Cluster Holdings S.A, ITS SUPPLIERS, RESELLERS, PARTNERS AND THEIR RESPECTIVE AFFILIATES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. IN PARTICULAR, World Market.COM, ITS SUPPLIERS, RESELLERS, PARTNERS AND THEIR RESPECTIVE AFFILIATES MAKE NO WARRANTY THAT (A) THE PRODUCTS WILL MEET YOUR REQUIREMENTS; (B) YOUR USE OF THE PRODUCTS WILL BE TIMELY, UNINTERRUPTED, SECURE OR ERROR-FREE; (C) ANY INFORMATION OBTAINED BY YOU AS A RESULT OF THE PRODUCTS WILL BE ACCURATE OR RELIABLE; AND (D) ANY DEFECTS OR ERRORS IN THE PRODUCTS WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE PRODUCTS IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. YOU FURTHER ACKNOWLEDGE THAT THE PRODUCTS ARE NOT INTENDED OR SUITABLE FOR USE IN APPLICATIONS THAT COULD LEAD TO DEATH, PERSONAL INJURY, OR SEVERE PHYSICAL OR ENVIRONMENTAL DAMAGE.

Please note that some jurisdictions do not allow the type of exclusion listed above, so some of these exclusions may not apply to You.

8. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL World Market.COM, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL (INCLUDING LOSS OF USE, DATA, BUSINESS, OR PROFITS) DAMAGES, REGARDLESS OF LEGAL THEORY, WHETHER OR NOT HYBRID MONEY HAS BEEN WARNED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. THE AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES SHALL BE NO MORE THAN THE GREATER OF $100 USD OR THE AMOUNTS PAID BY YOU TO HYBRID MONEY FOR THE MOST RECENT TWELVE-MONTH PERIOD FOR THE SERVICES IN QUESTION.

Please note that some jurisdictions do not allow the type of limitation listed above, so some of these limitations may not apply to You.

9. Miscellaneous Legal Terms
These terms and the use of the services and software will be governed by OHADA Law except for its conflicts of laws principles. All claims arising out of or relating to these terms or the services or software must be litigated exclusively in the courts of Cameroon, and both parties consent to venue and personal jurisdiction there.

These Terms constitute the entire and exclusive Agreement between You and Hybrid Money with respect to the Services, and supersede and replace any other agreements, terms and conditions applicable to the Services. These Terms create no third party beneficiary rights. Cluster Holdings S.A failure to enforce a provision is not a waiver of its right to do so later. If a provision is found unenforceable the remaining provisions of the Agreement will remain in full effect and an enforceable term will be substituted reflecting our intent as closely as possible. You may not assign any of Your rights in these Terms, and any such attempt is void, but Cluster Holdings S.A may assign its rights to any of its affiliates or subsidiaries, or to any successor in interest of any business associated with the Services. Cluster Holdings S.A and You are not legal partners or agents; instead, our relationship is that of independent contractors.

This file was last modified on September 02, 2025