14. RESPONSIBILITY

14.1. Our Responsibility/ Liability

Except in cases where this is due to your, your payee's, or your payee's bank's (not with respect to another Account holder) negligence, we accept liability when we act on a payment instruction and this is not received by your payee's bank (whether that be a Merchant, another Account holder, or the person/organization to which you must pay a bill) (for example, if you included the wrong payee details).

We also shoulder the responsibility for any losses you could incur as a consequence of our negligence or deceit, or as a result of our breach of our agreements with you.

14.2. Liability Restriction and Exclusion

We, our affiliates, subsidiaries, directors, employees, partners, and agents (collectively, the "PlexPay Group") will not be held accountable to you, under or in connection with these Terms, your activities under your Account, your use of the Services and/or Website, and/or our provision of the Services and/or Website, whether in contract (including under any indemnity), tort (including negligence), under statute, or otherwise.

• Unintended, special, or consequential losses or damages;
• Loss of revenue, business opportunity, or loss of business;
• Loss caused on by any failed payment because there aren't enough funds in your account;
• losses brought on by unusual or unpredictable events outside of our reasonable control, such as mechanical failure, labour unrest, a pandemic, or delays or failures brought on by issues with another system or network;
• losses sustained in situations where we are required to take action by law, regulation, direction, or instruction of a governmental body, such as ending these Terms and shutting down your Account; or
• Any additional loss or damage to the extent that such loss or damage is brought on by you, to which you contributed, or as a result of your failure to abide by these Terms.
• The PlexPay Group's total liability to you for all claims during our relationship with you shall not exceed AED 500 for any other losses or damages for which we are found liable.
• To the fullest extent permitted by applicable law, these exclusions and limitations of liability will be in place.

15. YOUR RESPONSIBILITY

To the fullest extent permitted by law, you agree to defend, indemnify, and hold the PlexPay Group harmless from and against all liabilities, damages, losses, and costs (including reasonable legal fees and costs) relating to, arising from, or in any way connected with any of the following: (a) your access to or use of our Services and/or Website; (b) your violation of our Terms; or (c) any representation that you have made that is untrue.

16. REFRESHMENT PERIOD

Within five (5) business days of consenting to these Terms, you may close your Account and terminate these Terms if you decide not to continue using the Services. The "Cooling-Off Phase" is this time period. You can use the PlexPay App or email us at help@plexpay.com to exercise this right.