Last Updated by CreditBird: Version February 8, 2018.

1. Contractual Relationship These Terms of Use (“Terms”) govern your access to or use of the applications, websites, content, products and services by you, as an individual, from any country around the world. Services (“Services”) of CreditBird. PLEASE READ THIS TERMS CAREFULLY BEFORE ACCESSING OR USE OF THE SERVICE. Your access to and use of the Services constitutes your acceptance to be bound by these Terms, which will establish a contractual relationship between you and CreditBird. If you do not agree to these Terms, you will not have the right to access or use the services. These Terms will supersede your previous agreements or contracts. CreditBird may immediately terminate these Terms or any Services relating to you, or generally discontinue providing or deny access to the Services or any portion thereof, on at any time for any reason. Additional terms may apply to certain Services, such as policies for a particular event, activity or promotion, and these additional terms will be disclosed to you in in connection with the applicable Services. Additional Terms are in addition to, and shall be deemed to form part of, the Terms for the purposes of the applicable Service. Additional terms will take precedence over these Terms in the event of a conflict regarding the applicable Services. CreditBird may amend the Terms relating to the Services from time to time. Amendments will become effective when CreditBird posts the updated Terms at this location or the revised policies or additional terms of Service apply. If you continue to access or use the Services after these postings, you agree to be bound by the revised Terms. The collection and use of personal information in connection with our Services will be for the purpose of improving CreditBird's service quality. Creditbird may provide a claim processor or insurer with all necessary information (including your contact information) should a claim, dispute or conflict arise regarding you. and a Third Party Provider and the information or data necessary to resolve claims, disputes or conflicts. 2. Services The Services form a technology platform that enables users to use CreditBird mobile applications or websites provided by CreditBird as part of the Services (collectively, the “Apps”) to help users connect, interact with each other, provide some maximum support for loan needs. YOU ACCEPT THAT CreditBird DOES NOT PROVIDE LIVING SERVICES, IS NOT RESPONSIBLE FOR CIVIL, CRIMINAL, CRIMINAL DISPUTES,... BETWEEN YOU AND INTERACTIVE OBJECTS DURING THE INTERACTION OF CreditBird's USER . Limits. You may not: (i) remove any copyright, trademark or proprietary information from any part of the Service; (ii) republish, modify, create derivative works based on, distribute, license, lease, sell, resell, assign, publicly display, publicly perform, transmit, transmit broadcast, broadcast or operate the Services except as authorized by CreditBird; (iii) decompile, reverse engineer or disassemble the Service except as permitted by law; (iv) link to, map or adapt any part of the Service; (v) cause or launch any program or statement for the purpose of extracting, indexing, surveying, or mining data in any part of the Service, or overloading or obstructing the operations and/or functions of any part of the Service; or (vi) attempt to gain unauthorized access to or damage any part of the Service or a system or network associated with the Service. Third Party Services and Content. The Services may be made available or accessed in connection with third party services and content (including advertising) over which CreditBird does not control. You acknowledge that different terms of use and privacy policies may apply to third party use of services and content. CreditBird does not endorse third party services and content and under no circumstances will CreditBird be responsible or liable for any products or services of such third party providers. In addition, Apple Inc., Google, Inc., Microsoft Corporation or BlackBerry Limited and/or their applicable international subsidiaries and affiliates will be third parties to benefit from this agreement if you access access these Services using Applications developed for Apple iOS, Android, Microsoft Windows or Blackberry mobile devices, respectively. This third party beneficiary is not the parties to this contract and is not responsible for providing or supporting the Services in any way. Your access to the Services using these devices is subject to the terms set forth in the third party beneficiary's terms of service. Ownership. The Services and all rights herein are the property of CreditBird or the property of CreditBird's licensors. These Terms and your use of the Services do not represent or grant you any rights: (i) in or in relation to these Services, except for the limited license granted above; or (ii) in any way use or reference the company names, logos, product and service names, trademarks or service marks of CreditBird or its licensors. 3. Using CreditBird Service User account. To use most aspects of the Service, you must register and maintain an active individual User Service account (“Account”). Signing up for an account requires you to send CreditBird certain personal information, such as your name, address, mobile number and age, as well as at least one valid payment method. (or an approved credit card or payment partner). You agree to maintain accurate, complete and up-to-date information in your Account. Your failure to maintain accurate, complete and up-to-date Account information, including including invalid or expired payment methods on file, may result in your inability to access and use the Service or terminate this Agreement between you and CreditBird. You are responsible for all activities that occur under your Account, and you agree to maintain the security and confidentiality of your Account username and password at all times. Except as otherwise permitted in writing by CreditBird, you may own only one Account. User Requirements and Conduct. You may not authorize a third party to use your Account. You may not assign or otherwise transfer your Account to any other person or legal entity. You agree to comply with all applicable laws when using the Services, and that you may use the Services only for lawful purposes. By using the Services, you may not cause nuisance, inconvenience, inconvenience, or property damage, to the Third Party Providers or any other party. In certain circumstances you may be required to provide documentation of your right to access or use the Service, and you agree that you may be denied access to or use of the Service if you refuse to provide proof documents. Text Messages. By creating an Account, you agree that the Services may send you notification text messages (SMS) as part of the normal business practice of using the Services. You can choose not to receive text messages (SMS) from CreditBird at any time. You acknowledge that opting out of text messages (SMS) may affect your use of the Service. User-Supplied Content. CreditBird may, in its sole discretion, permit you to submit, upload, publish or otherwise make available to CreditBird, through the text, audio and/or visual features of the Service, content and information, including comments and feedback regarding the Services, support requests, and submissions for contests and promotions (“User Content”) from time to time. Any User Content provided by you remains your property. However, by providing User Content to CreditBird, you grant CreditBird a copyright-free, irrevocable, transferrable, perpetual, worldwide, license with the right to sublicense, to use, copy, modify, create derivative works of, distribute, make publicly available, publicly perform, and exploit in any way the User Content in all formats and distribution channels. current or hereinafter provided (including in connection with CreditBird's Services and business and on third-party websites and services), without further notice to or your consent, and without asking you or any other person or entity for payment. You represent and warrant that: (i) you are the sole and exclusive owner of all User Content or that you have all rights, licenses, approvals and releases necessary to grant CreditBird licenses User Content as outlined above; and (ii) the User Content or the information you submit, upload, publish or otherwise make available the User Content or CreditBird's use of the User Content as permitted herein shall not be infringing, misappropriating or otherwise infringing. , infringes the intellectual property or proprietary rights or rights of publicity or privacy of a third party, or results in a violation of applicable law or regulation. You agree not to provide User Content that is defamatory, libelous, hateful, violent, pornographic, sexual, illegal, or otherwise offensive, as determined by CreditBird in its sole discretion, regardless of this document may or may not be protected by law. CreditBird may, but is not obligated to, review, monitor, or delete User Content, in CreditBird's sole discretion and at any time for any reason without prior notice. Network and Device Access. You are responsible for data network access necessary to use the Services. Your mobile data network and messaging rates and charges may apply if you access or use the Services from an activated wireless device and you are responsible for these rates and charges. You are responsible for obtaining and updating compatible hardware or devices necessary to access and use these Services and Applications and any updates. CreditBird does not warrant that the Services, or any part thereof, will work on any particular hardware or devices. In addition, the Services may experience problems and delays that are common in the use of the Internet and electronic communications. 4. Payment You understand that use of the Services may incur costs for services or goods you receive from a Third Party Provider (“Fees”). Once you have received a service or goods through your use of the Service, CreditBird will facilitate the payment of the applicable Fees on behalf of the Third Party Provider as the Supplier's payment collection agent. Third-party. Payment of the Fees in this manner shall be deemed to have been made by you directly to the Third Party Providers. Fees will include applicable taxes if required by law. Fees paid by you are final and non-refundable, unless otherwise determined by CreditBird. You still have the right to claim a lower Fee from a Third Party Provider for services or goods received from a Third Party Provider at the time of receipt of the goods or services. CreditBird will respond to any request from a Third Party Provider to change Fees for a particular service or good. All Fees are payable immediately and payment will be facilitated by CreditBird using the preferred payment method specified in your Account, after which CreditBird will send you a receipt by email. If your Primary Account's payment method is determined to be expired, invalid or unchargeable, you agree that CreditBird may, in its role as Party Provider's payment collection agent, Third, use the second payment method in your Account, if available. Between you and CreditBird, CreditBird reserves the right, in its sole discretion, to establish, remove and/or modify Fees for any or all services or goods received through the use of the Services at any time. Furthermore, you acknowledge and agree that Fees applicable in certain geographic areas may increase significantly during times of high demand. CreditBird will endeavor to notify you of any fees that may apply, provided that you will be responsible for the Charges incurred under your Account regardless of your knowledge of the Fees or charges. that money or not. From time to time, CreditBird may offer certain users promotions and discounts that may result in charging different amounts for the same service or goods or similar services or goods. obtained through your use of the Services, and you agree that such promotional discounts will not be related to your use of the Services or the Fees applicable to you, except when also provided to you. You may choose to cancel your request for services from a Third Party Provider at any time prior to the Third Party Provider performing the service, in which case you may be charged a cancellation fee. quit service. This payment structure is designed to fully compensate Third Party Providers for the goods and services provided. Except for taxi transportation requested through the App, CreditBird does not assign any portion of your payment as a tip or gratuity to Third Party Providers. Any statement by CreditBird (on CreditBird's website, in the App, or in CreditBird's marketing materials) purporting to state that the tip is "voluntary", "optional" and/or " included” in your payments for the services or goods provided are not intended to indicate that CreditBird will provide any additional funds, other than those described above, to Third Party Provider. You understand and agree that, where you are at your sole discretion to provide additional payment as a bonus to any Third Party Provider that provides you with services or goods received through this Service, You are under no obligation to do so. Bonuses are voluntary. Once you have received services or goods through this Service, you will have the opportunity to rate your experience and leave further feedback on the Third Party Provider. 5. Disclaimer; Limitation of Liability; Indemnify. DISCLAIMER. SERVICES IS PROVIDED “AS IS” AND “AS AVAILABLE”. CreditBird DISCLAIMER OF ANY STANDARDS AND WARRANTIES, EXPRESS, EXPRESSED, IMPLIED OR POLICY, NOT EXPECTED IN THESE TERMS, INCLUDING WARRANTIES OF TYPES OF TYPE OF COMPANY, AND NO VIOLATION OF LAW. ALSO, CreditBird DOES NOT MAKE ANY STATEMENT, WARRANTIES, WARRANTIES OF THE RELIABLE, TIMELY, QUALITY, FITNESS OR AVAILABLE OF THESE SERVICES, SERVICES AVAILABLE, OR AVAILABLE. USE THIS SERVICE, OR THESE SERVICES WILL NOT BE INTERRUPTED OR WITHOUT ERRORS. CreditBird DOES NOT GUARANTEE THE QUALITY, FITNESS, SAFETY OR PERFORMANCE OF THE THIRD PARTY SUPPLIER. YOU AGREE TO BE RESPONSIBLE FOR ALL RISKS OUT OF USE OF THESE SERVICES AND ANY REQUIRED SERVICES OR GOODS RELATED, TO THE LICENSE. LIMITATION OF LIABILITY. CreditBird WILL NOT BE RESPONSIBLE FOR INDIRECT, Random, SPECIAL, WARNING, PENALTY OR CONSULTANT DAMAGES, INCLUDING LOSS OF PROFITS, PERSONAL CHARGES, LOY DAMAGE TO PROPERTY, RELATIONSHIP, OR ARRIVING FROM THE USE OF THE SERVICES, EVEN IF CreditBird HAS BEEN WARNED OF THE RISK OF SUCH DAMAGES. CreditBird WILL NOT BE RESPONSIBLE FOR ANY DAMAGE, RESPONSIBILITY OR LOSS AGAINST BY: (i) YOUR USE OF OR BASED ON THE SERVICES OR YOU HAVE NO RIGHT TO USE THE SERVICES; OR (ii) ANY TRANSACTION OR RELATIONSHIP BETWEEN YOU AND THE THIRD PARTY SUPPLIER, EVEN IF CreditBird HAS BEEN WARNED OF THE RISK OF SUCH DAMAGES. CreditBird WILL NOT BE RESPONSIBLE FOR DELAYS OR NO ACTIVITIES BECAUSE OF CAUSES OUT OF CreditBird's CONTROL. YOU ACCEPT THAT THIRD PARTY SHIPPING SUPPLIER PROVIDES REQUESTED SHIPPING SERVICES THROUGH SOME REQUIRED BRANDS CAN PROVIDE GENERAL TRANSPORTATION AND COMPLETE TRANSPORTATION SERVICES LICENSE OR LICENSED PROFESSIONAL. IN ANY CASE CreditBird IS NOT LEGAL TO YOU RELATED TO THE SERVICES FOR ANY DAMAGE, LOSS AND CAUSES OF PROCESS. THE LIMITATIONS AND DISCLAIMER IN THIS SECTION 5 DO NOT EXPRESS LIMITATION OF LIABILITY OR REPLACE USER RIGHTS THAT CANNOT BE EXCLUDED BY LAW. Indemnify. You agree to indemnify and hold CreditBird and its officers, directors, employees and agents harmless from any and all claims, claims, liabilities, and expenses (including including attorneys' fees) arising from or in connection with: (i) your use of these Services, services or products obtained through the use of these Services; (ii) you break or violate these Terms; (iii) CreditBird's use of User Content; or (iv) you violate the rights of any third party, including a Third Party Provider. 6. Governing Law; Referee. Except as set forth in these Terms, these Terms shall be separately governed by and construed in accordance with the laws of Vietnam, with the exception of its conflict of laws provisions. 7. Other Regulations Claims for Copyright Infringement. Claims for copyright infringement must be sent to CreditBird's designated agent. Please visit CreditBird's website at CreditBird.vn for the designated address and additional information. Notification. CreditBird may give notice by means of general notice of the Services, by electronic mailing to the email address in your Account, or by written communication mailed to the address listed in your Account. General Terms. You may not assign or transfer these Terms, in whole or in part, without CreditBird's prior written consent. You consent to CreditBird's right to assign or transfer these Terms, in whole or in part, to: (i) a subsidiary or affiliate; (ii) the bank that settles CreditBird's equity, business or assets; or (iii) the successor due to the merger. No joint venture, partnership, employment or agency relationship exists between you, CreditBird or any Third Party Provider as a result of the contract between you and CreditBird or your use of the Services. . If any provision of these Terms is held to be unlawful, void or unenforceable, in whole or in part, then that provision or part, under any provision of law, to that extent shall not be deemed a part of these Terms but the legality, validity and enforceability of the remaining provisions of these Terms shall not be affected. In such event, the parties shall replace the illegal, invalid, or unenforceable provision or portion of the provision with a legal, valid and enforceable provision or portion of the provision in to the maximum extent possible, having the same effect as a provision or portion of a provision that is illegal, invalid or unenforceable, regardless of the content and purpose of these Terms. These Terms constitute the entire agreement and memorandum of the parties relating to the subject matter and any amendments or substitutes to any existing or previous agreements or commitments relating to the subject matter. main. In these Terms, the word ''including'' means ''including, but not limited to."