THE HUB SERVICES - TERMS AND CONDITIONS

Service Provider: BeOneB OÜ (trading as "Be1B")
Effective Date: 1st October 2025
Version: 1.0

1. DEFINITIONS

"Be1B" or "Service Provider" means BeOneB OÜ, a company registered in Estonia.

"Client" means the business entity or individual using Be1B HUB services.

"The HUB" means Be1B's integrated platform providing access to multiple resold services including Payment Gateway, KYC/KYB Verification, Account Services, and Additional Services as defined herein.

"Payment Gateway Services" means electronic payment processing services enabling the Client to accept credit cards, debit cards, bank transfers, and other electronic payment methods through the Be1B platform, provided through licensed Payment Providers.

"Payment Provider" means licensed third-party payment service providers and payment institutions with whom Be1B has partnerships for payment processing services.

"KYC/KYB Services" means Know Your Customer and Know Your Business identity verification and compliance services provided on a pay-as-you-go basis through specialized verification providers.

"Account Services" means banking and payment account services provided by licensed financial institutions.

"Additional Services" means any other services offered through The HUB platform including but not limited to fraud prevention, analytics, reporting, and compliance tools.

"Transaction" means any payment instruction processed through Payment Gateway Services.

"Personal Data" means information relating to an identified or identifiable natural person as defined in GDPR.

2. SERVICE DESCRIPTION

2.1 Platform Overview

The HUB is Be1B's integrated service platform that provides access to multiple business services through a single interface. Be1B operates as a service aggregator and technology platform, connecting Clients with specialized service providers. Be1B does not act as a payment institution, financial services provider, or hold client funds.

2.2 Payment Gateway Services

Be1B facilitates access to payment processing services through licensed Payment Providers. Services include:

Payment processing integration and technical infrastructure
Access to multiple Payment Providers through single API
Transaction monitoring and reporting dashboard
Technical support and documentation
Security and fraud prevention tools
Settlement coordination and reconciliation

Also check the Terms and conditions for the payment gateway services.

2.2.1 Payment Provider Relationships

Payment processing is performed by licensed Payment Providers. The Client acknowledges that:

Be1B facilitates access but does not directly process payments
Payment Providers have their own terms and conditions
Payment Providers are regulated by financial authorities
Be1B may switch or add Payment Providers based on business requirements

2.2.2 Payment Provider Disclosure

Know Your Business (KYB) Process:

Upon registration, Client submits required business documentation for KYB review
KYB verification is conducted by the applicable regulated Payment Provider
Be1B forwards Client information to Payment Provider(s) for approval
Provider Identity Disclosure: Once the KYB process has been completed and approved by the regulated Payment Provider, Be1B will disclose to the Client the name and details of the specific Payment Provider(s) assigned to process their transactions
Until KYB approval, Be1B reserves the right to withhold Payment Provider identity for operational and security reasons
Provider assignment may change based on transaction routing, business needs, or regulatory requirements

Client Acknowledgment:

The Client expressly acknowledges and agrees that:

The ultimate payment processing relationship is between Client and the assigned Payment Provider
Be1B acts solely as a technology intermediary and platform provider
All payment processing, fund transfers, and settlements are performed directly by the Payment Provider
Client must comply with all terms and conditions of the assigned Payment Provider

2.3 KYC/KYB Services

Be1B resells identity verification and business verification services on a pay-as-you-go basis. These services enable Clients to:

Verify customer identities (KYC - Know Your Customer)
Verify business entities (KYB - Know Your Business)
Screen against sanctions lists, PEP databases, and adverse media
Verify document authenticity and perform biometric checks
Conduct ongoing monitoring and re-verification
Identify Ultimate Beneficial Owners (UBOs) and corporate structures

2.3.1 Service Model

KYC/KYB Services operate on a pay-as-you-go basis with no subscription fees. Clients pay only for verifications performed.

2.3.2 Third-Party Provider Terms

KYC/KYB Services are provided by specialized verification providers. By using these services, the Client agrees to comply with the provider's terms and conditions, including data processing agreements and service-specific requirements. Be1B acts as a reseller and platform integrator for these services.

2.3.3 Data Processing

The Client acknowledges that:

Personal data submitted for verification will be processed by the verification provider
The Client acts as Data Controller and must obtain appropriate consent from data subjects
Be1B and verification providers act as Data Processors
Biometric data processing requires explicit consent under applicable data protection laws
Data retention periods comply with AML/CFT regulations (typically 5 years minimum)

2.4 Account Services

Banking and payment account services are provided by Pecunia or other licensed financial institutions. These services include:

Business accounts for payment processing
Account management and reporting
Integration with Payment Gateway Services

Important: Account Services are subject to Licensed entitys Terms and Conditions, which govern the account relationship, and service levels. . Be1B facilitates access to these services but is not the account provider.

2.5 Additional Services

The HUB may offer additional services including:

Fraud prevention and risk management tools
Business analytics and reporting
Compliance monitoring and alerts
API access and integration support
Custom reporting and data exports

Specific terms and pricing for Additional Services are available upon request and on The HUB website.

3. PRICING AND FEES

3.1 General Pricing Principles

Be1B operates on a transparent pricing model where fees are clearly stated on The HUB website at https://be1b.com/hub/ or displayed upon service and package selection at login. Pricing may vary based on selected services, transaction volumes, and service packages.

3.2 Payment Gateway Fees

Payment Gateway Services fees include:

Setup Fees: One-time account creation and integration fees (invoiced, payment due within 15 days, must be paid before account activation)
Transaction Fees: Per-transaction charges based on payment method and volume (automatically deducted from deposit)
Monthly Platform Fees: Service access and maintenance if applicable (may be invoiced or deducted from deposit)
Additional Fees: Chargebacks, refunds, special services

Complete pricing schedules are available at https://be1b.com/hub/ or upon request from [email protected].

3.3 KYC/KYB Service Fees

KYC/KYB Services operate on a pay-as-you-go model:

No monthly subscription or minimum commitment
Pricing per verification check based on service type
Different rates for KYC (individual) vs KYB (business) verifications
Volume discounts available for high-volume clients
Fees charged upon completion of each verification (deducted from deposit)

Current pricing is published on The HUB website at https://be1b.com/hub/.

3.4 Account Service Fees

Account Service fees are determined by the account provider (Pecunia or other financial institutions) and are subject to their pricing schedules. Fees are displayed upon service and package selection at login or at https://be1b.com/hub/. Please refer to the provider's Terms and Conditions for complete fee information.

3.5 Deposit-Based Payment System

The HUB operates on a prepaid deposit system:

Deposit Requirement:

Client must maintain a deposit balance in their Be1B account
Minimum deposit amount specified during onboarding
Deposit used to cover transaction fees and other service charges
Client responsible for maintaining sufficient deposit balance

Fee Payment Methods:

Setup and One-Time Fees: Invoiced separately, payment due within 15 days, must be paid before account activation
Transaction Fees: Automatically deducted from deposit balance at time of transaction processing
Service Fees: Automatically deducted from deposit balance

Deposit Replenishment:

Client receives notification when deposit falls below minimum threshold
Client must replenish deposit within 5 business days of notification
Deposit can be added via bank transfer or credit card
Processing may be suspended if deposit insufficient for fees

Insufficient Deposit Balance:

If deposit balance insufficient to cover fees:

Transactions may be declined or held
Services may be suspended without notice
Client remains liable for all accrued fees
Outstanding amounts become immediately due and payable

Deposit Refund:

Upon termination, remaining deposit balance refunded after:

All outstanding fees and charges deducted
Reserve period completed (typically 90-180 days)
All chargebacks and disputes resolved
Any penalties or damages deducted
Deposit balance is not interest-bearing
Deposit may be held post-termination until all liabilities resolved

3.6 Price Adjustments

Prices may be reviewed annually with 60 days advance notice. Price increases exceeding 15% allow Client to terminate within 30 days without penalty. Be1B reserves the right to adjust prices based on changes in underlying service provider costs or market conditions.

4. CLIENT OBLIGATIONS

4.1 Compliance

The Client must:

Provide accurate transaction and business information
Respond promptly to chargebacks and customer disputes
Operate a legitimate business with all required licenses and permits for their industry
Obtain necessary consents from end-users for data processing, especially biometric data
Comply with applicable laws and regulations related to their business activities
Not use the platform for prohibited or illegal activities
Cooperate with Be1B's compliance and verification requests

4.2 Platform Compliance (Be1B's Responsibility)

Be1B is responsible for:

Maintaining PCI DSS compliance for the platform infrastructure
Ensuring GDPR compliance for data processing activities
Implementing Strong Customer Authentication (SCA) per PSD2 requirements
Maintaining AML/CFT screening capabilities through service providers
Implementing fraud prevention measures at the platform level
Ensuring secure data transmission and storage

4.3 Shared Compliance Responsibilities

Both parties acknowledge shared responsibilities:

Client: Must use provided security features and tools appropriately
Client: Must report suspicious activities or transactions
Client: Must maintain accurate records for their business operations
Be1B: Provides compliant platform infrastructure and tools
Be1B: Monitors platform-level security and compliance
Be1B: Provides necessary compliance documentation and reporting tools

4.4 Account Security

The Client is responsible for:

Maintaining confidentiality of access credentials, API keys, and passwords
Implementing multi-factor authentication when available
Securing workstations and devices used to access the platform
Immediately reporting suspected security breaches
Not sharing credentials with unauthorized persons
Regular review and update of user access rights

4.5 Prohibited Use

The Client must not use The HUB services for:

Illegal activities or products
Unlicensed financial services
Cryptocurrency exchanges (unless approved)
Adult content (unless approved)
Unlicensed gambling or gaming
Counterfeit goods
Weapons, drugs, or controlled substances
Multi-level marketing schemes
Tobacco, cannabis products (where restricted)
Processing transactions without proper authorization
Misrepresenting business nature or activities
Splitting transactions to avoid limits or higher fees
Money laundering, fraud, or financial crimes
Circumventing security measures or attempting unauthorized access

4.6 Business Information

The Client must:

Provide accurate business information during onboarding
Maintain current contact details
Report material business changes within 5 business days
Update risk profile when transaction patterns change significantly
Provide documentation requested for compliance purposes

DATA PROTECTION AND PRIVACY

5.1 GDPR Compliance

Both parties comply with GDPR and applicable data protection laws.

Roles:

Client: Data Controller (determines purposes and means of processing)
Be1B: Data Processor (processes data on Client's behalf)
Service Providers: Sub-Processors

A separate Data Processing Agreement (DPA) governs specific data protection obligations and is available upon request.

5.2 Personal Data Categories

Personal Data processed through The HUB may include:

Customer names, email addresses, phone numbers, addresses
Payment instrument details (tokenized card numbers, bank accounts)
Transaction data (amounts, dates, merchant references)
Identity documents (passports, ID cards, driver's licenses)
Biometric data (facial images, liveness detection)
Business documents (incorporation certificates, ownership structures)
Technical data (IP addresses, device information)
Geographic data (billing/shipping addresses, location data)

5.3 Data Retention

Minimum 5 years: Required for accounting, tax, and AML/CFT compliance
Minimum 18 months: Required for chargeback defense
Post-termination: 90 days unless legally required longer

Specific retention periods may vary by service and are subject to applicable legal requirements.

5.4 Security Measures

Be1B implements industry-standard security measures:

PCI DSS Level 1 compliance for payment data
Encryption: TLS 1.2+ in transit, AES-256 at rest
Tokenization of sensitive payment data
24/7 security monitoring and incident response
Regular penetration testing and vulnerability assessments
Multi-factor authentication for platform access
Access controls and audit logging

5.5 Data Breaches

Be1B will notify the Client within 72 hours of becoming aware of any personal data breach, including:

Nature and scope of the breach
Categories and approximate number of affected data subjects
Likely consequences
Remediation measures taken or proposed

The Client remains responsible for notifying regulatory authorities and affected individuals as required by law.

SERVICE LEVELS AND AVAILABILITY

6.1 Be1B Platform Availability

Be1B targets 99.5% platform availability per calendar month for The HUB technology platform only, excluding:

Scheduled maintenance (announced 1 week in advance)
Force majeure events
Third-party service provider outages (including Payment Providers, verification providers, account providers)
Client-caused issues

Important Clarification: The 99.5% availability commitment applies solely to Be1B's platform infrastructure (API, dashboard, technical systems). Service availability for payment processing, KYC/KYB verification, and account services is governed by the respective service provider's service level agreements.

6.2 Service-Specific Performance

Payment Gateway Services:

The Client expressly acknowledges that:

Payment processing service levels are defined and guaranteed by the Payment Provider, not by Be1B
Each Payment Provider has its own Service Level Agreement (SLA)
Payment Provider SLA terms are disclosed to Client after KYB approval
Be1B makes no warranties regarding Payment Provider service levels
Transaction success rates, settlement times, and processing availability are controlled by the Payment Provider
Claims related to payment processing performance must be directed to the Payment Provider

KYC/KYB Services:

Automated checks: 30 seconds to 5 minutes (typical)
Manual review: 4-24 hours (typical)
Complex KYB: 1-3 business days (typical)
Actual performance depends on verification provider

Account Services:

Performance governed by account provider (Pecunia or other institutions)
Refer to account provider's terms for service levels

6.3 Support

Business Hours: Monday-Friday, 09:00-18:00 CET/CEST
Response Times: Critical issues within 4 hours, standard issues within 24 hours
Support Channels: Email ([email protected]), support portal, phone (for critical issues)

7. LIABILITY AND INDEMNIFICATION

7.1 Limited Liability - Platform Provider Role

Be1B acts solely as a technology platform and service aggregator connecting Clients with third-party service providers. Be1B:

Does NOT act as a payment institution, financial services provider, verification authority, or account provider
Does NOT provide the underlying services directly
Does NOT hold, transmit, or control client funds at any time
Is NOT responsible for the performance, availability, or actions of ANY third-party service providers
Provides the platform and integration technology on an "AS IS" basis

Be1B's liability is limited to platform availability and technical functionality only.

7.2 Maximum Liability Cap

ABSOLUTE LIMITATION:

Be1B's total aggregate liability under this agreement, regardless of the form of action (contract, tort, negligence, strict liability, statutory, or otherwise), is strictly limited to:

The lesser of:

EUR 5,000 (five thousand euros), OR
Total platform fees actually paid by Client to Be1B in the 6 months immediately preceding the claim (excluding transaction fees and service fees paid to third-party providers)

This cap applies to:

ALL claims combined (not per incident)
ALL causes of action
ALL types of damages
ALL parties claiming through Client
ALL service providers (Payment Providers, verification providers, account providers, etc.)
The ENTIRE duration of the relationship

If Client has paid zero platform fees to Be1B (transaction fees only model), Be1B's maximum liability is EUR 1,000 (one thousand euros) total.

7.3 Be1B Liability Scope - Extremely Limited

Be1B is liable ONLY for:

Direct damages proven to be caused by Be1B's willful fraud or gross negligence in operating the platform technology itself
Be1B platform API being completely unavailable for more than 72 consecutive hours (excluding permitted downtime)
Be1B's intentional breach of confidentiality obligations

Be1B is NOT liable for:

Platform availability below 99.5% (remedy is service credit only if applicable)
Any negligence (only gross negligence or willful misconduct)
Errors, bugs, or defects in software
Data loss or corruption
Security incidents (unless caused by Be1B's gross negligence)
Any matters within ANY third-party service providers' control

7.4 No Liability for Third-Party Services - GENERAL EXCLUSION

CRITICAL: Be1B is NOT liable for ANY actions, errors, omissions, delays, failures, or decisions of ANY third-party service provider, including but not limited to:

Payment Providers:

Payment processing failures, declines, or delays
Transaction authorization or execution issues
Fund transfers, holds, or settlement delays
Chargebacks, disputes, or reversals
Refunds or cancellations
Payment Provider service outages or degradations
Payment Provider fee changes, policy modifications, or service terminations
Payment Provider insolvency or business failure
Payment Provider regulatory issues or sanctions
Transaction routing decisions
Any payment-related financial losses

KYC/KYB Verification Providers:

Verification results, accuracy, or processing times
False positives or false negatives in screening
Verification provider service issues or delays
Changes in verification provider policies or pricing
Verification errors or omissions
Compliance screening results
Identity fraud not detected by verification provider
Data breaches at verification provider level

Account Service Providers (Pecunia and others):

Account service issues, freezes, or closures
Account provider fee changes or policy modifications
Account opening denials or delays
Fund access restrictions or holds
Account provider regulatory actions or policy changes
Account provider insolvency or business failure
Banking service outages or errors
Currency conversion issues or fees
Account-related financial losses

All Other Third-Party Service Providers:

Fraud prevention tool failures or inaccuracies
Analytics or reporting service errors
Compliance monitoring tool failures
API or integration service outages
Data provider errors or delays
Any other third-party service failures, errors, or issues

General Third-Party Service Issues:

Actions, errors, omissions, or policies of ANY third-party service provider
Disputes between Client and ANY service providers
Service quality, availability, or performance of ANY third-party services
Compliance or regulatory violations by ANY service providers
Data breaches, security incidents, or data loss at ANY service provider level
Fee changes, price increases, or policy modifications by ANY service provider
Service terminations or discontinuations by ANY service provider
Insolvency, business failure, or wind-down of ANY service provider

ALL claims related to underlying services must be directed to the respective service provider. Be1B's role is limited to providing platform access and technical integration.

7.5 Third-Party Service Providers as Ultimate Service Providers

ALL THIRD-PARTY SERVICE PROVIDERS HAVE LIABILITY FOR THEIR RESPECTIVE SERVICES:

The Client expressly and irrevocably acknowledges and agrees that:

Each Service Provider is Sole Responsible Party for Their Services:

Payment Provider: All payment processing, settlements, chargebacks, refunds
Verification Provider: All KYC/KYB results, screening, compliance checks
Account Provider: All account services, banking operations, fund access
Other Providers: All respective services they provide

Be1B Has ZERO Liability for Service Provider Operations:

Be1B provides only technical platform access and integration
Be1B has no control over service provider decisions, operations, or results
Be1B cannot reverse, modify, or influence service provider actions
Be1B is NOT responsible for service provider performance, errors, or omissions
Be1B makes NO warranties regarding ANY service provider performance

All Service-Related Claims MUST Go to Respective Service Provider:

For ANY issues related to services provided by third parties:

Transaction processing, failures, or errors → Payment Provider
Settlements, chargebacks, refunds → Payment Provider
KYC/KYB verification results or delays → Verification Provider
Account issues, freezes, or access → Account Provider
Any service-specific problems → Respective Service Provider

CLIENT MUST AND SHALL pursue claims, disputes, and remedies exclusively against the respective service provider. CLIENT EXPRESSLY WAIVES any and all claims against Be1B for matters that are the responsibility of third-party service providers.

Service Provider Terms and Liability Frameworks Apply:

Each service provider's liability limitations govern their services
Each service provider's terms supersede these terms for their specific services
Client bound by each service provider's liability caps and exclusions
Be1B makes no warranties regarding ANY service provider performance

7.6 Comprehensive Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BE1B IS NOT LIABLE FOR:

Indirect and Consequential Damages (EXCLUDED ENTIRELY):

Loss of profits, revenue, or anticipated savings
Loss of business, contracts, or opportunities
Loss of goodwill or reputation
Loss of data or information
Loss of use or interruption of business
Cost of substitute services or procurement
Any indirect, incidental, special, exemplary, punitive, or consequential damages

These exclusions apply EVEN IF Be1B has been advised of the possibility of such damages.

Additional Excluded Liabilities:

Technology bugs, errors, or defects in Be1B platform
Compatibility issues with Client's systems
Internet, network, or connectivity failures
Third-party infrastructure failures (hosting, CDN, etc.)
Force majeure events
Client's network, systems, or infrastructure issues
Fraudulent transactions (unless Be1B's gross negligence)
Inaccurate data provided by Client or third parties
Client's business model or operations
Client's customer disputes or complaints
Client's compliance failures
Market conditions or competitive factors
Regulatory changes or enforcement actions
Data breaches, security incidents, or errors at ANY service provider level
Service outages, delays, or performance issues of ANY third-party service
Financial losses arising from ANY third-party service provider actions or failures

7.7 Client Acknowledgment of Risk

Client expressly acknowledges and accepts that:

Payment processing, verification services, account services, and all other services involve inherent risks including fraud, errors, delays, chargebacks, and financial losses
Be1B cannot guarantee transaction success, verification accuracy, service availability, or processing times from ANY service provider
Be1B cannot guarantee ANY service provider performance or availability
Client is solely responsible for assessing and managing business and service risks
Client bears all financial risk associated with their business operations and use of third-party services
Client should maintain appropriate insurance for business risks
Client uses all third-party services through the platform at Client's own risk

7.8 Client Indemnification - Comprehensive

Client agrees to indemnify, defend, and hold harmless Be1B, its affiliates, parent companies, subsidiaries, officers, directors, shareholders, employees, agents, contractors, licensors, and all third-party service providers from and against ANY AND ALL:

Claims, demands, actions, suits, or proceedings
Damages, losses, liabilities, costs, and expenses
Attorneys' fees, expert fees, court costs, and settlement amounts
Fines, penalties, and sanctions

Arising from or related to:

Client's Business Operations:

Client's products, services, or business activities
Client's customers, users, or end users
Client's marketing, advertising, or representations
Client's terms of service, policies, or practices
Client's customer service or support

Client's Use of Services:

Any use or misuse of Be1B platform or third-party services
Client's integration or technical implementation
Client's systems, networks, or infrastructure
Client's employees, contractors, or representatives

Legal and Compliance Violations:

Breach of these terms or ANY service provider terms
Violation of any applicable laws or regulations
Violation of third-party rights (IP, privacy, etc.)
Prohibited activities
Money laundering, fraud, or illegal activities
Data protection or privacy violations

Payment and Transaction Issues:

Chargebacks, refunds, or payment disputes
Fraudulent, unauthorized, or suspicious transactions
Customer complaints or disputes
Failed deliveries or unmet obligations
Verification disputes or challenges

Third-Party Claims:

Claims by Client's customers or users
Claims by ANY service providers
Claims by regulatory authorities
Claims by any other third parties

Data and Security:

Data breaches from Client's systems or negligence
Client's failure to maintain applicable compliance
Unauthorized access due to Client's actions

Service Provider Issues:

Claims arising from Client's relationship with ANY third-party service provider
Disputes between Client and ANY service provider
Client's failure to comply with ANY service provider's terms

Indemnification Procedures:

Be1B promptly notifies Client of claim
Client assumes full control and cost of defense
Client may NOT settle without Be1B's prior written consent
Client pays all costs, expenses, and settlements

No Limitation: Client's indemnification obligations are:

Unlimited in amount (not subject to any cap)
Unlimited in duration (survive termination indefinitely)
Not subject to any exclusions or limitations
Payable on demand
Apply to claims related to Be1B AND all third-party service providers

7.9 Disclaimers of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

Be1B PROVIDES SERVICES "AS IS" and "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

Warranties of merchantability
Warranties of fitness for a particular purpose
Warranties of title or non-infringement
Warranties of accuracy, completeness, or reliability
Warranties of availability or uptime (except as expressly stated in Section 6)
Warranties regarding ANY service provider performance, availability, or results
Warranties that services will be uninterrupted or error-free
Warranties that defects will be corrected
Warranties regarding verification accuracy, payment processing success, or account service availability

Be1B makes NO representations or warranties regarding:

The performance, quality, or reliability of ANY third-party service
The accuracy of ANY verification, screening, or compliance results
The success rate of ANY transactions or operations
The availability or accessibility of ANY third-party services
The suitability of ANY third-party services for Client's specific needs

7.10 Limitation Period for Claims

SHORTENED CLAIM PERIOD:

ALL claims against Be1B must be brought within SIX (6) MONTHS from the earlier of:

The date the claim accrued, OR
The date Client knew or reasonably should have known of the facts giving rise to the claim

Claims not brought within 6 months are PERMANENTLY BARRED regardless of any statute of limitations that might otherwise apply.

This limitation applies to ALL claims of any nature against Be1B, including claims related to third-party service provider issues.

7.11 Client Waiver

BY ACCEPTING THESE TERMS, CLIENT EXPRESSLY WAIVES:

Any claims against Be1B for ANY service provider actions, failures, errors, or omissions
Any right to consequential or indirect damages
Any claims exceeding the liability cap in Section 7.2
Any claims not brought within 6 months per Section 7.10
Any implied warranties per Section 7.9
Any claims related to payment processing, chargebacks, settlements, refunds (directed to Payment Provider)
Any claims related to verification results, screening accuracy, compliance checks (directed to Verification Provider)
Any claims related to account services, banking operations, fund access (directed to Account Provider)
Any claims related to ANY third-party service provider's services, performance, or results
Any right to hold Be1B liable for third-party service provider insolvency, business failure, or service termination

8. SUSPENSION AND TERMINATION

8.1 Automatic Suspension

Services will be automatically suspended when:

Deposit balance reaches zero or falls below minimum required threshold
Insufficient funds to cover service fees

Services will automatically resume once deposit is replenished to required levels.

8.2 Immediate Suspension

Be1B may suspend services immediately without notice for:

Suspected fraud, money laundering, or illegal activity
Breach of these terms or service provider terms
Excessive chargebacks (rate exceeds 1.5%)
Regulatory requirements or service provider instructions
Prohibited activities or misrepresentation

8.3 Voluntary Termination

Either party may terminate with 60 days written notice. Client may terminate within 30 days of material adverse changes or price increases exceeding 15%. Be1B may terminate with 30 days notice if Payment Provider or other service provider terminates the Client's account.

8.4 Effects of Termination

Upon termination:

All processing ceases on effective date
Outstanding fees deducted from remaining deposit balance
Remaining deposit balance refunded within 30 days, subject to:
- All outstanding liabilities resolved
- Reserve period completed (90-180 days)
- All chargebacks and disputes resolved
- Any penalties or damages deducted
Dashboard access: read-only for 90 days
Data exported or deleted per Client request (subject to legal requirements)
Client must remove Be1B branding within 5 days
Chargeback liability continues for 180 days post-termination

8.5 Fund Holds and Reserves

During suspension or termination:

Rolling reserve of 10-30% may be established
Settlements held 30-90 days
Post-termination reserve: 90-180 days for late chargebacks
Deposit balance may be used to cover outstanding fees, chargebacks, refunds, reserves, and any other amounts owed

9. INTELLECTUAL PROPERTY

9.1 Be1B Ownership

Be1B retains all rights to:

The HUB platform, software, and APIs
Documentation and technical materials
Trademarks, logos, and branding
All improvements and derivatives

9.2 License to Client

Be1B grants Client a limited, non-exclusive, non-transferable, revocable license to:

Access and use The HUB platform
Integrate APIs into Client's systems
Display Be1B branding per brand guidelines

License restrictions: Internal business use only, no sublicensing, no reverse engineering, terminates upon agreement termination.

9.3 Client Data

Client retains ownership of business data, customer data, and transaction data. Client grants Be1B limited license to process data solely for providing services.

10. GENERAL PROVISIONS

10.1 Governing Law

This agreement is governed by Estonian law. Exclusive jurisdiction: Courts of Tallinn, Estonia.

10.2 Dispute Resolution

Before litigation:

Written notice describing dispute
Senior representatives meet within 30 days
Good faith negotiation for 30 days
If unresolved, either party may litigate

10.3 Severability

Invalid provisions reformed or severed. Remaining provisions remain in effect.

10.4 Assignment

Client may not assign without Be1B consent
Change of control requires consent
Be1B may assign to affiliates or successors

10.5 Force Majeure

Neither party liable for failure due to unforeseeable events beyond reasonable control. If continues 60+ days, either party may terminate.

10.6 Notices

Must be in writing in English
Email to registered addresses
To Be1B: [email protected]
To Client: Account registered email
Deemed received 24 hours after sending

10.7 Modifications

Be1B may amend these terms with 30 days notice. Continued use constitutes acceptance. Client may terminate within 30 days if not accepting material adverse changes.

11. ACKNOWLEDGMENT

By signing, creating an account, or using The HUB services, Client acknowledges:

Read and understood these terms
Authority to bind their organization
Provided accurate business information
Will comply with all applicable laws and regulations
Accepts fees and liability limitations
Understands Be1B is a platform aggregator, not direct service provider
Services depend on third-party providers
Accepts associated risks
Understands the deposit-based payment system and responsibility to maintain sufficient balance

11.1 Critical Acknowledgments Regarding Service Providers

The Client specifically acknowledges, understands, and agrees that:

Payment Provider Disclosure:

The identity of the specific Payment Provider(s) processing Client's transactions will be disclosed to Client only after successful completion of the Know Your Business (KYB) verification process
Payment Provider is the ultimate provider of all payment processing services
Be1B acts solely as a technology platform and intermediary
Client has a direct relationship with the Payment Provider for all payment matters

Claims and Disputes:

Any and all disputes, claims, or issues related to payment processing, chargebacks, refunds, settlements, fund holds, transaction errors, compliance matters, or any payment-related financial matters MUST be directed to and resolved with the Payment Provider, not Be1B
Payment Provider's terms and conditions govern all payment processing matters
Be1B is not responsible or liable for Payment Provider actions, decisions, errors, or omissions
Client waives any claims against Be1B for matters that are the responsibility of service providers

Third-Party Service Providers:

KYC/KYB verification, account services, and additional services are provided by specialized third-party providers
Each service provider has its own terms, conditions, and service levels
Claims related to these services must be directed to the respective provider
Be1B's role is limited to platform integration and facilitation

CONTACT INFORMATION

Technical Support: [email protected]
General Inquiries: [email protected]

Website: https://be1b.com/hub/

Documentation: https://developer.be1hub.com/

Company: BeOneB OÜ
Address: Harju maakond, Tallinn
Registration: 16656369

Business Hours: Monday-Friday, 09:00-18:00 CET/CEST

IMPORTANT NOTICES

Platform Aggregator: Be1B operates The HUB as a service aggregator and technology platform. Individual services are provided by specialized third-party providers. Be1B does not act as a payment institution or hold client funds.

Deposit System: The HUB operates on a prepaid deposit basis. Services remain active only while sufficient funds are maintained in the deposit account. Clients are responsible for monitoring and replenishing their deposit balance.

Pricing: Complete fee schedules available at https://be1b.com/hub/ or displayed at login upon service and package selection.

Third-Party Dependencies: Services depend on third-party providers. Be1B is not liable for provider actions, outages, or policy changes.

Payment Provider Disclosure: Payment Provider identity disclosed after KYB approval. All payment-related claims must be directed to Payment Provider.

Data Protection: Separate Data Processing Agreement available upon request.

KYC/KYB Services: Provided on pay-as-you-go basis. Client must obtain appropriate consents for biometric data processing.

Account Services: Subject to Pecunia Terms and Conditions [Link to be inserted].

Limited Liability: Be1B's maximum liability is EUR 5,000 or 6 months of platform fees (whichever is less). Be1B not liable for third-party service provider actions.

Terms Modifications: These terms may be amended with 30 days notice.

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These Terms and Conditions constitute a legally binding agreement. Clients should review carefully and consult legal, financial, and technical advisors before accepting.

Individual Banking

Corporate Banking

Administration

THE HUB SERVICES TERMS AND CONDITIONS