Before placing a P2P order on the Platform, you must carefully read and agree to the following:

1. Recommended Payment Method

The Platform strongly recommends using KYC-verified (real-name) bank accounts for all payments. This helps ensure compliance with applicable laws and reduces transaction, regulatory, and operational risks.

2. Merchant Payment Practices

Some merchants may use non-verified, third-party, or split payment accounts. The Platform does not control, monitor, or guarantee these practices.

If you choose to engage and proceed with such merchants, you acknowledge and accept full responsibility for all related risks and consequences. Payments processed through these methods may result in:

• Account freezes or restrictions by banks or payment providers
• Regulatory penalties or investigations
• Failed or delayed transactions
• Inability to provide payment proof, which may affect dispute resolution
• Permanent loss of funds

The Platform will not assume any liability for losses, disputes, or other consequences arising from these practices.

3. Special Jurisdiction Notice

In certain regions, local banking regulations may impose strict controls on transfers, which can increase transaction risks. 

The Platform does not recommend any non-standard payment practices and shall not be responsible for any losses, disputes, or regulatory consequences arising from such methods. All risks are solely borne by you.

4. Your Responsibility

You are responsible for:

• Verifying merchant and payment details before confirming any transaction.
• Ensuring payments comply with local laws and the Platform’s rules.
• Retaining payment evidence when required for dispute resolution.

Any loss, error, or dispute arising from your choice of payment method—including non‑verified or third-party accounts—shall be borne entirely by you.

5. Liability & Indemnification

By proceeding, you agree that:

• Any and all risks, losses, disputes, chargebacks, account freezes, regulatory actions, or other consequences arising from your payment methods, merchant errors, or regional payment restrictions are solely your responsibility.
• The Platform shall not be liable under any circumstances, whether in contract, tort, strict liability, or otherwise, including negligence.
• You agree to fully indemnify, defend, and hold harmless the Platform, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, losses, damages, costs, or expenses (including legal fees) resulting from your use of non-verified or third-party payment methods, or any related actions or disputes.

Choosing to use non-recommended payment methods constitutes an informed and voluntary assumption of all risks.

6. Dispute Handling

The Platform will handle disputes strictly according to its published P2P Guidelines and related Agreements. Any losses, claims, or damages resulting from your payment methods, merchant errors, or third-party failures shall not create any liability for the Platform.

7. Governing Law & Jurisdiction

This Disclaimer & Risk Disclosure shall be governed by the laws of Singapore. Any disputes arising hereunder shall be finally resolved by arbitration under the rules of the Singapore International Arbitration Centre (SIAC). The arbitration award shall be final and binding on all parties.

8. Acknowledgement

By clicking “I Agree”, you confirm that you have read, understood, and voluntarily accepted all terms of this Disclaimer & Risk Disclosure. You also acknowledge that any breach of these terms or use of non-recommended payment methods will be treated as a violation of Platform rules, and you alone are responsible for any consequences.