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This Terms of Use (this “Agreement”) is an agreement between you and Goldenpay, including but not limited to legal persons, unincorporated organizations that provide Goldenpay Services. This Terms of Use governs your use of all Goldenpay Services. You unconditionally accept and agree to be bound by the terms and conditions set out in this Terms of Use including the Privacy Policy as well any applicable laws and guidelines when you access the Goldenpay Platform or use any of the Goldenpay Services. If you disagree with any part hereof, kindly desist from using the Goldenpay Platform or any of the Goldenpay Services. You should read all of these terms carefully.