BEYNAA TERMS & CONDITIONS

1. INTRODUCTION

Welcome to Beynaa.

These Terms & Conditions ("Terms") govern your access to and use of Beynaa services, including the Beynaa mobile application, website, digital wallets, payment services, cards, business services, and all related financial products and services made available by Beynaa.

By creating an account, accessing, or using Beynaa, you agree to be legally bound by these Terms.

If you do not agree with these Terms, you must not access or use Beynaa services.

2. WHO WE ARE

Beynaa is a financial technology platform operated by NovaSky Sàrl, a company incorporated under the laws of Switzerland.

For the purposes of these Terms, references to:

Beynaa
we
us
our

mean:

NovaSky Sàrl and/or any future Beynaa operating entity designated by NovaSky Sàrl or its successors.

This structure allows continuity of service in the event of future corporate restructuring, expansion, creation of a dedicated Beynaa company, merger, acquisition, or integration into a holding structure.

3. ELIGIBILITY

To use Beynaa, you must:

Be at least eighteen (18) years old.
Have legal capacity to enter into binding agreements.
Comply with all applicable laws and regulations.
Successfully complete all required verification procedures.

You may not use Beynaa if:

You are subject to sanctions.
You are prohibited from using financial services.
Your access has previously been permanently terminated.
Applicable laws prohibit your use of Beynaa services.

4. ACCOUNT TYPES

Beynaa may provide:

Personal Accounts

Accounts intended for individual users.

Business Accounts

Accounts intended for:

Companies
Sole proprietorships
Startups
Associations
Foundations
Other legal entities

Additional verification requirements may apply to Business Accounts.

5. ACCOUNT REGISTRATION

To create an account, you may be required to provide:

Full legal name
Date of birth
Residential address
Email address
Phone number
Government-issued identification
Additional compliance information

You agree that all information submitted is:

Accurate
Complete
Current
Truthful

Providing false, misleading, fraudulent, or incomplete information may result in immediate suspension or termination.

6. USER RESPONSIBILITIES

You agree to:

Provide accurate information.
Keep your information up to date.
Maintain the security of your devices.
Protect your credentials.
Use Beynaa lawfully.
Cooperate with compliance requests.
Report suspicious activity immediately.

You are responsible for all actions performed through your account unless otherwise required by applicable law.

7. IDENTITY VERIFICATION (KYC)

To comply with legal and regulatory obligations, Beynaa and its regulated partners may perform identity verification procedures.

Verification may include:

Passport verification
National ID verification
Residence permit verification
Driver's license verification
Selfie verification
Biometric verification
Video identification
Proof of address verification
Source-of-funds verification
Additional compliance reviews

Verification may occur:

During onboarding
During account use
Periodically thereafter

Failure to complete verification may result in:

Account restrictions
Suspension
Service limitations
Account closure

8. BUSINESS VERIFICATION (KYB)

Business customers may be required to provide:

Company registration documents
UBO information
Shareholder information
Director information
Tax information
Proof of business activity
Additional compliance documentation

Beynaa reserves the right to request additional information at any time.

9. SERVICES

Subject to availability and regulatory approval, Beynaa may provide:

Personal accounts
Business accounts
Digital wallets
Personal IBANs
Business IBANs
Virtual cards
Physical cards
Domestic transfers
International transfers
P2P transfers
Apple Pay support
Google Pay support
Savings Spaces (Vaults)
Additional financial services

Availability may vary by country.

10. CARDS

Beynaa may issue:

Virtual Cards

Digital payment cards accessible through the application.

Physical Cards

Physical payment cards delivered to eligible users.

Card availability depends on:

Regulatory requirements
Country eligibility
Compliance status
Financial partner capabilities

Cards may remain the property of the issuing institution where required.

11. ACCEPTABLE USE

You may not use Beynaa for:

Fraud
Money laundering
Terrorist financing
Sanctions evasion
Identity theft
Illegal gambling
Unauthorized financial services
Cybercrime
Illegal products or services
Market manipulation
Any unlawful activity

Beynaa reserves the right to investigate suspected violations.

12. AML, SANCTIONS & COMPLIANCE

Beynaa and its partners may conduct:

AML screening
Sanctions screening
PEP screening
Fraud reviews
Transaction monitoring
Risk assessments
Ongoing compliance monitoring

Accounts may be restricted, suspended, or terminated where required by law or regulatory obligations.

13. FEES

Certain services may involve fees.

These may include:

Card issuance fees
Card replacement fees
Transfer fees
Foreign exchange fees
Premium service fees
Account maintenance fees
Third-party charges

Applicable fees will be disclosed through:

The Beynaa App
The Beynaa Website
Pricing schedules
Product disclosures

14. SECURITY

You are responsible for:

Protecting your password
Protecting your devices
Maintaining account security
Reporting unauthorized activity

You must immediately notify Beynaa if you suspect:

Fraud
Unauthorized access
Credential compromise
Security incidents

15. FRAUD PREVENTION

Beynaa may use:

Automated systems
Machine learning technologies
Transaction monitoring systems
Behavioral analytics
Risk assessment tools

to detect:

Fraud
Financial crime
Account abuse
Money laundering
Security threats
Suspicious transactions

Certain actions may be automatically restricted pending review.

16. SERVICE AVAILABILITY

Beynaa strives to provide reliable services but does not guarantee uninterrupted availability.

Services may be temporarily unavailable due to:

Maintenance
Software updates
Security incidents
Regulatory requirements
Third-party outages
Infrastructure failures
Network disruptions

Beynaa shall not be liable for temporary service interruptions beyond its reasonable control.

17. THIRD-PARTY SERVICES

Certain services may be provided by:

Banking-as-a-Service providers
Banks
Card issuers
Payment processors
Identity verification providers
Technology providers

Beynaa is not responsible for the independent actions, products, services, or policies of third-party providers except where required by law.

18. INACTIVE ACCOUNTS

Accounts that remain inactive for extended periods may be classified as inactive.

Beynaa may require:

Additional verification
Updated information
Security checks

before reactivating inactive accounts.

19. ACCOUNT SUSPENSION

Beynaa may suspend accounts where:

Fraud is suspected
Compliance concerns arise
Security risks are identified
Regulatory obligations require action
These Terms are violated

Suspension may be temporary or permanent.

20. ACCOUNT TERMINATION

Users may close their accounts at any time.

Beynaa may terminate accounts where:

Required by law
Required by regulators
Required by financial partners
Fraud is identified
Material violations occur

Certain information may continue to be retained after termination.

21. NO FINANCIAL ADVICE

Beynaa does not provide:

Financial advice
Investment advice
Tax advice
Accounting advice
Legal advice

Any information provided through Beynaa is for informational purposes only and should not be considered professional advice.

Users should seek independent professional advice where appropriate.

22. FORCE MAJEURE

Beynaa shall not be liable for failures, interruptions, delays, or inability to perform obligations resulting from events beyond its reasonable control, including:

Natural disasters
Fires
Floods
Earthquakes
Pandemics
Wars
Terrorism
Civil unrest
Government actions
Internet failures
Cyberattacks
Banking network disruptions
Utility failures

23. INTELLECTUAL PROPERTY

All intellectual property associated with Beynaa remains the exclusive property of:

NovaSky Sàrl
Its licensors
Its affiliates
Any future Beynaa operating entity

Including:

Logos
Trademarks
Software
Designs
Branding
Content
Documentation

24. CORPORATE REORGANIZATION, ASSIGNMENT & SUCCESSION

NovaSky Sàrl may transfer, assign, delegate, novate, sell, license, or otherwise reorganize all or part of the Beynaa business, operations, assets, contracts, intellectual property, customer relationships, and services to:

A subsidiary
A parent company
A holding company
An affiliated company
A successor company
An acquiring company
Any future Beynaa-branded entity
Another company within the same corporate group

Such transfer shall not invalidate these Terms.

To the extent permitted by applicable law, users agree that Beynaa services and contractual relationships may continue under the successor entity without requiring new acceptance of these Terms.

Users will be notified where required by law.

25. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Beynaa shall not be liable for:

Indirect damages
Consequential damages
Loss of profits
Loss of revenue
Loss of business opportunities
Data loss
Service interruptions
Delays caused by third parties

Nothing in these Terms excludes liability where exclusion is prohibited by law.

26. CHANGES TO THESE TERMS

Beynaa may modify these Terms from time to time.

Material changes may be communicated through:

Email
In-app notifications
Website notices

Continued use of Beynaa after the effective date of revised Terms constitutes acceptance of those Terms.

27. GOVERNING LAW & JURISDICTION

These Terms shall be governed by the laws of Switzerland.

Any dispute arising from these Terms shall be subject to the jurisdiction of the competent Swiss courts, unless mandatory consumer protection laws provide otherwise.

28. CONTACT

Beynaa

Operated by NovaSky Sàrl and/or any future Beynaa operating entity designated by NovaSky Sàrl or its successors.

Route de la Maison Neuve 14

1753 Matran

Fribourg

Switzerland

Email: support@beynaa.com

Website: beynaa.com

Terms & Conditions.