User Agreement

This General User Agreement (“Agreement”) is a binding contract between you and Ivorychain Technologies INC., trading as Ivorypay (“Ivorypay,” “we,” “us,” or “our”). Depending on your jurisdiction, a local Ivorypay service provider listed in Appendix A may render the services to you under this Agreement and any applicable Additional Terms.

By accessing or using our websites (www.ivorypay.io and www.getduffle.io), APIs, mobile applications (including the Duffle consumer app), dashboards, or any related products or services (collectively, the “Ivorypay Platform”), you agree to:

• This Agreement
• Our Privacy Policy
• Our E-Sign Consent (Appendix B)

If you do not agree, please do not use the Platform.