Agreement & Terms

Standard User Agreement
Version Date: January 1, 2025

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Welcome to Kuntn Platform (hereinafter referred to as "the Platform" or "Kuntn"). The platform is operated by Wise International Co Limited (hereinafter referred to as "the Company"), with its operational entity in the United States being NIB Inc. This agreement outlines the rights and obligations of users (hereinafter referred to as "you") when registering, accessing, and using the products and services provided by the Platform.

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I. Acceptance of Terms
By registering an account, accessing, or using the Platform, you indicate that you have read, understood, and agree to be bound by this Agreement. If you do not agree to any terms of this Agreement, please immediately cease all use of the Platform’s services.

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II. Definitions

1. Platform: Refers to Kuntn and its related websites (www.kuntn.com).
2. Services: Includes but is not limited to chargeback alerts, fraud prevention, order insights, dispute management, and related solutions.
3. User: Refers to individuals or entities who register accounts on the Platform and use the Platform's services.

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III. Account Registration and Usage

1. Registration Requirements: You must provide accurate and complete registration information and are responsible for the authenticity of the information.
2. Account Security: You must properly safeguard your account login information. Unauthorized use of your account will be regarded as your own actions, and you will bear all consequences arising therefrom.

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IV. Service Description

1. Scope of Services: The Platform provides services through upstream service providers, resellers, and other third parties, including but not limited to RDR, CDRN, Ethoca solutions, order insights, fraud prevention, and dispute representation.
2. Service Limitations: The Platform acts only as an intermediary and does not assume responsibility for the quality or suitability of services provided by upstream service providers, resellers, or third parties.
3. User Responsibility: You must ensure compliance with all applicable laws and regulations and terms of this Agreement, bearing sole responsibility for any issues or disputes arising from your actions.

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V. Billing and Payment

1. Payment Methods: We deduct relevant fees via ACH or card automatic deduction. Before using the service, users must complete ACH verification or add a card and agree to our automatic deductions.
2. Billing Descriptor: Bills , Billing Descriptors , Invoices and other billing related descriptions will display as "Kuntn" or "Disputifier" along with associated identifiers or logos, descriptions or variations of descriptions relating to kuntn , Kuntn operating companies or service providers.
3. Billing Cycle: Charges are billed weekly or according to billing caps.
4. Payment Obligations:

• You must pay all invoices on time. Any arrears or breaches may result in service suspension or termination.
• In cases of arrears or breach, the Platform has the right to collect overdue payments on behalf of Kuntn or Kuntn's upstream companies, service providers, or third-party companies and request late fees, collection costs, and other related compensation.

5. Other Payment Methods: To select payment methods other than automatic deductions, you must negotiate with the Platform in advance and reach a written agreement.
6. Fee Liability: The Platform shall not be liable for any consequences resulting from your failure to pay on time (including but not limited to service interruption or failed dispute handling).
7. Quotation Terms:

• Default charges are based on the price displayed in the merchant portal.
• Bulk customers or those with special requirements can sign separate quotation contracts which become effective after mutual confirmation.
• Once a quotation contract is signed, users must strictly adhere to the contract terms and fulfill their payment obligations.
• For modifications to quotations or service terms, negotiations must be conducted in advance and a written agreement signed.

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VI. Privacy Policy
We are committed to protecting your privacy. The Platform complies with all applicable data protection laws and processes user data strictly in accordance with the Privacy Policy (see below).

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VII. Disclaimer

1. As an intermediary, the Platform does not take responsibility for any direct or indirect losses caused by actions of upstream service providers, resellers, or other third parties.
2. You are fully responsible for any claims or damages resulting from non-compliance with this Agreement.

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VIII. Dispute Resolution and Governing Law
This Agreement is governed by the laws of the jurisdiction where the company is registered, and all disputes arising from this Agreement should be submitted to the local courts of the company’s location.

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Privacy Policy
Version Date: January 1, 2025

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We understand the importance of data privacy and are committed to protecting your personal information.

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I. Information Collection
We collect the following information:

1. Registration Information: Including name, contact information, company information, etc.
2. Service Usage Data: Including transaction records, dispute records, etc.
3. Technical Information: Including IP addresses, device information, etc.

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II. Use of Information

1. To provide services and fulfill the terms of the agreement.
2. To improve user experience and service quality.
3. To comply with legal and regulatory requirements.

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III. Information Sharing
Your data may be shared with third-party partners related to the services to enable service functionality, all under confidentiality agreements.

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IV. Data Storage and Security
We take reasonable technical and managerial measures to protect your data security but cannot guarantee it is 100% risk-free.

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V. User Rights

1. Access and Correction: You have the right to access or correct your personal information.
2. Withdrawal of Consent: You can withdraw consent for data processing at any time, though this may affect the normal provision of services.

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VI. Changes and Updates
We may update the Privacy Policy from time to time. After updates, we will notify you via announcement.

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Terms of Use
Version Date: January 1, 2025

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These terms of use apply to all users accessing, registering, or using the Kuntn Platform services.

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I. License
Kuntn grants you a non-exclusive, non-transferable license solely to access and use the Platform services.

II. Prohibited Actions

1. Actions violating laws and regulations.
2. Unauthorized access or attempts to access the Platform system.
3. Unauthorized reproduction, modification, or publication of Platform content.

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III. Intellectual Property
Kuntn reserves all intellectual property rights related to the Platform. Without authorization, do not use our trademarks, logos, or content.

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IV. Limitation of Liability

1. The Platform does not assume responsibility for any losses caused by force majeure, upstream service providers, resellers, or other third-party actions.
2. You must bear sole responsibility for any losses or expenses resulting from failure to fulfill obligations under this Agreement.

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For further assistance, please contact us via the following methods:

• Email: cs@kuntn.com
• Website: www.kuntn.com