United States Country Addendum

US-1. Governing Law

This US Addendum and all matters relating to your use of the Modveon platform in the United States are governed by the laws of the State of Delaware and, where applicable, the laws of the United States, without regard to conflict of law principles.

US-2. Electronic Signatures and Disclosures (E-SIGN)

US-2.1 Consent. By creating an account, you consent to receive all legally required communications, disclosures, notices, and agreements (“Communications”) from us electronically. Communications include terms of use and policies you agree to (e.g., the Master Terms and the US Addendum), including updates to these agreements or policies; account details, history, transaction receipts, confirmations, and any other Account or transaction information; legal, regulatory, and tax disclosures or statements; and responses to claims or customer support inquiries filed in connection with your Account.

US-2.2 Hardware and Software Requirements. To receive electronic Communications you need: a device with internet access; a current version of the Modveon app or a supported web browser; a valid email address; and the ability to save or print electronic documents.

US-2.3 Updating your Information. It is your responsibility to provide us with a true, accurate and complete email address and your contact information, and to keep such information up to date. You may update your information by logging into your Account and updating your profile. You understand and agree that if we send you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, we will be deemed to have provided the Communication to you.

US-2.4 Withdrawal of Consent. You may withdraw your consent to receive Communications in electronic form at any time by sending us a written request to soporte@sivarapp.sv. If you fail to provide or if you withdraw your consent to receive Communications electronically, we reserve the right to immediately close your Account.

US-2.5 Requesting Paper Copies. You may request paper copies of any required disclosure at no charge by contacting soporte@sivarapp.sv. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically. For the avoidance of doubt, requesting a paper copy of any Communication, in and of itself, will not be treated as withdrawal of consent to receive electronic Communications.

US-2.6 Spanish-Language Disclosures. Because we market and provide services in Spanish to Spanish-speaking users, all pre-payment disclosures and error resolution notices required under Regulation E will be provided in both English and Spanish. You may elect to receive all required disclosures exclusively in Spanish by contacting soporte@sivarapp.sv.

US-3. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT.

US-3.1 Informal Resolution. Before initiating arbitration or any legal proceeding, you agree to contact us at soporte@sivarapp.sv and provide a written description of the dispute, the amount involved, and your proposed resolution. We will attempt to resolve the dispute informally within 60 days of receiving your notice. Either party may proceed to arbitration if the dispute is not resolved within that period.

US-3.2 Binding Individual Arbitration. Except as provided in Sections US-3.5 and US-3.6, you and Modveon Payments agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Master Terms, or your use of the Services — including questions of arbitrability — will be resolved by final and binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by this Section. The AAA Consumer Arbitration Rules are available at adr.org. The arbitrator has exclusive authority to resolve all arbitrability disputes.

US-3.3 Procedures.

(a) Hearing format. At your election, arbitration may be conducted by video conference, telephone, or in-person in the county of your residence.

(b) Fees. We will pay all AAA filing, administrative, and arbitrator fees for claims you initiate, unless the arbitrator finds your claim frivolous or brought for an improper purpose. If we initiate arbitration, we pay all fees.

(c) Award. The arbitrator may award the same remedies a court could award, including individual injunctive relief. The award is final and binding and may be entered as a judgment in any court of competent jurisdiction.

(d) Confidentiality. All arbitration proceedings and awards are confidential unless disclosure is required by law or to enforce an award.

US-3.4 Class Action and Jury Trial Waiver.

YOU AND MODVEON PAYMENTS EACH WAIVE: (A) THE RIGHT TO A JURY TRIAL; AND (B) THE RIGHT TO PARTICIPATE IN OR BRING A CLASS ACTION, CLASS ARBITRATION, MASS ARBITRATION, CONSOLIDATED ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING.

The arbitrator may not consolidate claims or preside over any representative proceeding. If this waiver is found unenforceable as to any claim, that claim must be litigated in court, and all remaining claims proceed in arbitration.

US-3.5 Small Claims Carve-Out. Either party may bring an individual claim in small claims court in the county of your residence if the claim qualifies under that court's jurisdictional rules and the amount in controversy does not exceed $10,000. A claim filed in small claims court within jurisdiction remains there even if it is later found to exceed $10,000.

US-3.6 Excluded Claims. The following claims are not subject to arbitration: (a) applications for emergency injunctive or other equitable relief to prevent irreparable harm pending arbitration; and (b) claims that applicable law expressly exempts from pre-dispute arbitration agreements.

US-3.7 Opt-Out. You may opt out of arbitration and the class action waiver by sending written notice to arbitration-opt-out@modveon.com within 45 days of the date you first agree to these Terms. Your notice must include your name, account email, and a clear statement that you are opting out. Timely opt-out means disputes will be resolved under Section US-4.

US-3.8 Survival. This Section survives termination of these Terms and your account.

US-4. Venue for Non-Arbitrated Claims

For any claim not subject to arbitration under Section US-3, you and Modveon Payments consent to the exclusive jurisdiction and venue of the state and federal courts of Wilmington, Delaware, and irrevocably waive any objection to laying of venue in those courts.