Contract Conclusion: If a separate agreement is signed between the Client and the Company, the terms of that agreement shall prevail over the provisions of this Offer. Such a contract allows for personalized terms of service.

Application of the Offer: If the Client pays for the Company's services based on an issued invoice or via a payment link, QR code, or any other payment method provided by the Company without a separately signed agreement, such action constitutes acceptance of the Offer, meaning full and unconditional agreement to these Terms.

Priority of Terms:
In case of conflict between the Offer and an individually signed agreement, the agreement takes precedence.
If no individual agreement is signed, the provisions of this Offer apply.

Acceptance of Terms: Payment by the Client constitutes automatic acceptance of the Terms, including all rights and obligations herein.

1. Definitions
1.1. Client – a natural or legal person using the Company's services to pay for subscriptions, digital services, game goods, tickets, travel services, and other products (digital goods or services).
1.2. Service Provider – a legal entity offering digital services, online services, media platforms, travel and transportation services, apps, and other goods payable via the Company.
1.3. Transaction – the process of transferring funds from the Client to the Service Provider to pay for digital goods or services.
1.4. Payment Order – the Client's request to the Company to make a payment for a selected digital service or product.
1.5. Payment – the amount of money transferred by the Client to the Company for fulfilling the Payment Order.
1.6. Auto-payment – a function enabling the automatic renewal of subscriptions to avoid service interruptions.
1.7. Payment Agent – a third party engaged by the Company to process payments or perform related operations as needed.

2. Subject of the Agreement
2.1. The Company provides services for facilitating payments to digital service providers (goods or services), including:

• Consulting support regarding payments;
• Organization and execution of payments from the Client to digital service providers as an agent.

2.2. The Company acts upon the Client’s request, ensuring secure and convenient payment execution under the direct orders of the Client.
2.3. The Client and Service Provider bear the risks associated with service availability. The Company is not liable for the quality, availability, or terms of the digital services, including cancellations, legal, or tax-related issues.

3. Service Provision Procedure
3.1. Services are rendered after the Client submits a payment request and deposits the corresponding amount. Payment constitutes acceptance of the Offer.
3.2. Upon payment, the Company confirms receipt and acceptance via email or Telegram, which serves as confirmation of the transaction.
3.3. The Client must provide all necessary details, including:

• Name of the service or product;
• Payment amount and currency and the payment detailes;
• Any other information requested by the Company.

3.4. The Client funds their balance, from which the Company executes payments to the Service Provider minus the applicable commission. The Company may offer multiple deposit methods, including bank transfers, electronic wallets, and cryptocurrency. The Client acknowledges that cryptocurrency transactions may be subject to volatility, confirmation delays, or third-party processing risks.
3.5. The Company may engage agents or subagents without prior Client approval.
3.6. Anti-Money Laundering (AML) and Know Your Customer (KYC) Policy: In accordance with Estonian regulations and international standards, the Company may require Clients to complete identity verification procedures prior to or after conducting cryptocurrency transactions. The Company reserves the right to request additional documents to confirm the source of funds and the identity of the Client. Failure to comply with these requirements may result in the suspension or termination of services. All collected data will be processed in line with our privacy obligations and applicable data protection laws.
3.7. Compliance with Financial Supervision Authority (FI) Requirements: If and when the Company's services fall within the scope of activity subject to notification or authorization by the Estonian Financial Supervision and Resolution Authority (Finantsinspektsioon), the Company undertakes to comply with all respective obligations. This includes, but is not limited to, ensuring transparency, conducting risk assessments, maintaining transaction logs, and reporting suspicious activity in accordance with the Estonian Money Laundering and Terrorist Financing Prevention Act.
3.8. Risk Disclosure Statement: By using the Company’s services, the Client acknowledges and accepts the following risks:

• Regulatory Risk: Future regulatory changes in Estonia or other jurisdictions may impact the availability or legality of certain services.
• Volatility Risk: Cryptocurrency values may fluctuate significantly, affecting the real value of deposited funds.
• Operational Risk: Technical failures, cyberattacks, or service outages may temporarily limit access to services.
• Counterparty Risk: The Company is not liable for failures or insolvency of Service Providers or payment agents.
• Compliance Risk: Failure to provide accurate or required information may result in service refusal or termination. The Client assumes full responsibility for evaluating and accepting these risks before using the Company’s services.

4. Payment Terms
4.1. The payment includes the service cost plus commission. The exchange rate is determined by the Company at the time of request.
4.2. Payment deadline: within one/two business days of submitting the payment request. Delays may result in recalculation or cancellation.
4.3. Commission:

• Calculated and shown to the Client before payment;
• Deducted from the total amount.

4.4. The Client is responsible for providing accurate payment information. Errors may result in payment failure without liability from the Company.

5. Confirmation of Payment Execution
5.1. Proof of payment may include:

• Electronic receipt;
• Confirmation from the Service Provider;
• Screenshot or document confirming receipt;
• Notification from the Company.

5.2. If funds are returned due to a third-party error, the order is considered executed. The Client may choose one of the following options:

Refund – the amount will be returned minus all applicable commissions (including those of agents and financial institutions).
Please note: commissions are withheld in any case each time for each payment, even if a refund occurs.
Retry – the payment may be resent with updated or corrected information, subject to additional costs if applicable.
Important:
The Client is strictly prohibited from initiating payments related to:
a. jurisdictions or countries subject to international sanctions,
b. sanctioned individuals or entities,
c. goods or services prohibited under AML (Anti-Money Laundering) or sanctions regulations.

The Company reserves the right to decline any transaction that violates applicable laws or internal compliance policies and may refuse further service to the Client in such cases.

6. Liability
6.1. The Company is responsible for timely and accurate payment execution.
6.2. The Client is responsible for:

• Providing accurate data, payment details, and service selection;
• Timely balance funding;
• Understanding service terms.

6.3. The Company is not responsible for:

• Service denial by the provider;
• Changes in service terms after payment;
• Service inaccessibility due to provider-side issues;
• Technical failures in third-party systems;
• Refund policies of the Service Provider.

6.4. If funds were accepted by the Service Provider, the Company holds no liability for further service access or fund use.

7. Confidentiality
7.1. Both parties agree to maintain confidentiality and use information solely for contract fulfillment.
7.2. Disclosure is only allowed with consent or as required by law.

8. Force Majeure
8.1. Parties are not liable for non-performance due to force majeure.
8.2. Obligations are suspended for the duration of such events.

9. Dispute Resolution
9.1. Disputes shall first be resolved through negotiation.
9.2. If unresolved, disputes shall be submitted to the competent courts of Estonia.

10. Final Provisions
10.1. Terms become effective upon Client acceptance and remain valid until obligations are fulfilled.
10.2. Changes to the Terms will be published on the Company’s website and take effect upon publication unless stated otherwise.
10.3. Continued use of services implies acceptance of updated Terms.
10.4. Contact Information: For inquiries, contact us at info@webmk.org.
10.5. By accepting these Terms, the Client agrees to the processing of personal data in accordance with the Estonian Personal Data Protection Act.
10.6. By using the services of the Company, the Client expressly agrees to the collection, processing, and storage of their personal data as described in these Terms and the Company's Privacy Policy.

Effective date: April 4, 2025