ACCEPTANCE OF TERMS
The following terms of use apply to all users of this website and govern your access to and use of the site and the available KUBRA services (the “Services”). By using the Services you acknowledge and agree to be bound by the terms of use applicable to those services and applicable laws. Please take notice that with limited exceptions, all disputes between you and us regarding these Terms of Use are subject to binding arbitration on an individual basis rather than jury trials, including  class action lawsuits, in courts and only specific remedies are available to you. Read more here. [hyperlink to Dispute resolution]

NOTICE SPECIFIC TO E-BILL SERVICE
The E-Bill Service enables you to view and make payments for services or bills electronically. Depending on the payment methods enabled by the business whose bills you are paying (the “Biller”), you may be able to make payments by eCheck, credit card and/or debit card through interactive telephone voice response system (IVR), mobile application, or the E-Bill website.

CONDITIONS FOR USE
By accepting these Terms of Use you represent and warrant that:

1. The information you provide is true, accurate, current, and complete.

2. You are at least 18 years of age and able to form legally binding contracts under applicable law.

3. You have not misrepresented your identity.

4. You are the legal owner of all accounts that are associated with payments made by you through the E-Bill Service and you are legally authorized to make payments using those accounts.

5. You will not have a third party such as a debt consolidator, make payments on your behalf.

6. You will not request a reversal of a legitimate payment transaction and understand that if you do your right to use the E-Bill Service for future payments may be revoked.

7. Your use of the E-Bill Service will not violate any law or regulations.

As a user of the E-Bill Service you may be submitting bank account, card information, or other personal information such as your email address and phone number to the Biller and the Biller’s payment processing partner, KUBRA. You are responsible for any legal, regulatory, or banking penalties and fees that may result
from supplying false information. You may use the E-Bill Service to make payments on consumer and/or commercial accounts, depending on configuration. If the account used to make a payment is a banking or card account for your business, then you must be an authorized signer on the account. We only process ACH payments in US dollars. Further, you affirm that the payment you are making is not associated with a foreign bank account. We do not support International ACH Transactions (IAT).

By using the E-Bill Service to send payment instructions to KUBRA, you authorize KUBRA to send a message to your bank, card provider, or financial network to charge your account and to send those funds to the designated bank account of the business whose bill you are paying.

FEES
If any payment is returned unpaid from your financial institution for any reason you may be charged a return payment fee. In addition, there could be charges that may be assessed by your card issuer, or your receiving bank, based on the terms of the  agreement you may have with those entities, and KUBRA will not be liable for any recoupment of fees assessed to you. The principal funds do not pass into KUBRA’s ownership at any time. KUBRA uses a bank processor as the payment processor and any funds will go to the Payee’s account. 

LIMITS
Your payment account may be blocked from acceptance if in KUBRA’s opinion the payment poses risks to KUBRA’s business. KUBRA may impose limits in terms of the number of payments made or the value of a transaction in accordance with any of the following: limitations established by payment brands, limits established by retailers, payment processors, or KUBRA’s risk policy. Use of the E-Bill Service is subject to applicable law and all applicable rules of any clearinghouse or payment network involved in collecting or processing your payment.

OVERPAYMENT
If your payment is returned for any reason, you may be liable for a return payment fee. If you over pay on your account, you may not be entitled to a refund. If a refund is allowed, it will be processed to the same payment account that the payment came from. If it is processed via ACH, refunds will not be made until at least 10 business days. If your card issuer is not located in the United States, and if a transaction is a
chargeback, you will be responsible for the actual amount of the chargeback transaction which may be greater than the amount of the initial transaction due to currency conversion.

TIMING OF PAYMENTS
If your payment is received after the due date of your bill, for any reason, you will remain responsible for any late charges and interest assessed. As a result, we recommend that you authorize your payment at least four (4) business days before the actual due date. It is the day your payment is received, not the day that
instructions are sent that determines if your bill was paid on time.

PRIVACY POLICY
KUBRA respects your privacy. The information you provide enables us to provide the Services to you. Information collected will be used for the purpose of providing the Services or general enquiries related to the Services or otherwise as required by law. Please refer to KUBRA’s online Privacy Policy for information concerning KUBRA’s use of your information. To view KUBRA’s Privacy Policy, click here.

NOTICE SPECIFIC TO SMS SERVICE.
KUBRA offers their customers mobile access to their notifications such as ebill notifications over SMS - KUBRA Bill Reminder Service. Enrollment requires your account information providing a mobile phone number. The mobile phone number’s verification is done by our double opt in process. We will send you a PIN number to your mobile phone over SMS when you submit your enrollment request from the website, then you need to enter the PIN on the website to activate the service.  Depending on the options you select in the 'Notification and Reminders' section, you may receive different types of notifications. Message Frequency depends on account settings. Message and data rates may apply. Customers will be allowed to opt out of this program at any time. You can contact us at 'clientsupport@kubra.com' or at any time from your mobile phone, text 'HELP' to: 99708. We can answer any questions you have about the program. To stop the messages coming to your phone, you can opt out of the program via SMS. Just text the word 'STOP' to: 99708. You will receive a one-time opt-out confirmation text message. After that, you will receive no further messages. 

UNAUTHORIZED ACCESS
The Services are provided for legitimate business purposes only. Any actual or  attempted unauthorized access, use or modification of this system is prohibited. The use of the Services may be monitored for security reasons. Anyone accessing the Services expressly consents to such monitoring and is advised that if such monitoring reveals possible evidence of criminal activity KUBRA may provide evidence of such activity to law enforcement officials. 

DISCLAIMERS
The services, information, data features, and all content and all services associated with the services or provided through the services are provided to you on an "as-is" and "as available" basis. KUBRA, its affiliates (and our service providers) expressly disclaim any warranties and conditions of any kind, whether express or implied, as to the content or operation of the site or of the services. You expressly agree that your
use of the services is at your sole risk.  Neither KUBRA, its affiliates, or service providers make any  representations, warranties, or guarantees, express or implied regarding the accuracy, reliability, or completeness of the content on the site or of the services and expressly disclaims any warranties of non-infringement or fitness for a particular purpose. Neither KUBRA, its affiliates, or its suppliers make any representation, warranty or guarantee that the content that may be available through the services is free of infection from any viruses or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, surreptitious intercept, or expropriate any system data or personal information. Some jurisdictions do not allow the exclusion of implied warranties, so the above
exclusion may not apply to you.

LIMITATION OF LIABILITY
In no event shall KUBRA be liable for any special, indirect, or consequential damages. KUBRA’s total liability for damages related to the e-bill service shall be limited to the specific dollar amount of the fees paid to KUBRA for the particular payment transaction which is the subject matter of the claim for damage.

CHANGES TO SERVICES AND TERMINATION OF SERVICE
KUBRA reserves the right to change or discontinue, temporarily or permanently the Services at any time, or to terminate your use of the Services. The Terms of Use may have been altered or amended from the last time you used the Services so be sure to read it each time before you make a payment to be certain you still agree with the provisions.

GOVERNING LAW AND SEVERABILITY
The Terms of Use shall be governed by and construed solely and exclusively in accordance with the laws of the State of New York, USA without giving effect to any law that would result in the application of the law of another jurisdiction. The Terms of Use (including the Privacy Policy) constitutes the entire agreement
between you and KUBRA regarding the use of the Service. If any provision of the Terms of Use is, for any reason, held to be invalid or unenforceable, the other provisions of the Terms of Use will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. 

DISPUTE RESOLUTION
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS.
Except for either party's claims of infringement or misappropriation of the other party's patent, copyright, trademark, or trade secret, any and all disputes between you and KUBRA arising under or related in any way to these Terms of Use, must be resolved through binding arbitration as described in this section. This agreement to arbitrate is intended to be interpreted broadly. It includes, but is not limited to, all claims and disputes relating to your use of any of the Services.

You agree that by agreeing to these terms of use, you and KUBRA are each waiving the right to trial by jury or to participate in a class action. You and KUBRA agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. Any arbitration will take place on an individual basis; class arbitrations and class actions are not permitted. 

The arbitration will be governed by the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes of the American Arbitration Association ("AAA"), as modified by this section. For any claim where the total amount of the award sought is $10,000 or less, the AAA, you and KUBRA must abide by the following rules: (a) the arbitration shall be conducted solely based on written submissions; and (b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties. If the claim exceeds $10,000, the right to a hearing will be determined by the AAA rules, and the hearing (if any) must take place in your choice of the following locations: Tempe, AZ or New York, NY. The arbitrator's ruling is binding and may be entered as a judgment in any court of competent jurisdiction. In the event this agreement to arbitrate is held unenforceable by a court, then the disputes that would otherwise have been arbitrated shall be exclusively brought in the state or federal courts located in New York City, New York. Claims of infringement or misappropriation of the other party's patent, copyright, trademark, or trade secret shall be exclusively brought in the state and federal courts located in New York City, New York.

INTELLECTUAL PROPERTY
This website and the Services, the content and all related intellectual property are owned by KUBRA or third parties and all right, title, and interest therein shall remain the property of KUBRA and/or such other third parties. The misuse of any of the intellectual property is expressly prohibited.

APPLE APP STORE ADDITIONAL TERMS OF USE
The following additional terms of use apply to you if you are using an app from the Apple App Store (an “Apple App”). To the extent the other terms of use of this Agreement are less restrictive than, or otherwise conflict with, the terms of use of this Section, the more restrictive or conflicting terms of use in this Section apply, but solely with respect to Apple Apps from the Apple App Store.

Acknowledgement: KUBRA and you acknowledge that this Agreement is concluded between KUBRA and you only, and not with Apple, and KUBRA, not Apple, is solely responsible for the Apple App and the content thereof. 

Scope of License: The license granted to you for the Apple App is limited to a non-transferable license to use the Apple App on an iOS Product that you own or control and as permitted by the usage rules set forth in the App Store Terms of Service.

Maintenance and Support: KUBRA is solely responsible for providing any maintenance and support services with respect to the Apple App, as specified in this Agreement (if any), or as required under applicable law. KUBRA and you acknowledge that Apple has no obligation whatsoever to furnish any maintenance
and support services with respect to the Apple App.

Warranty: KUBRA is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Apple App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Apple App to you; and to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Apple App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be KUBRA's sole responsibility. 

Product Claims: KUBRA and you acknowledge that KUBRA, not Apple, is responsible for addressing any claims of you or any third party relating to the Apple App or your possession and/or use of the Apple App, including, but not limited to: (i) product liability claims; (ii) any claim that the Apple App fails to conform to any
applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation. This Agreement does not limit KUBRA’s liability to you beyond what is permitted by applicable law. 

Intellectual Property Rights: KUBRA and you acknowledge that, in the event of any third-party claim that the Apple App or your possession and use of the Apple App infringes that third party's intellectual property rights, KUBRA, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any
such intellectual property infringement claim. 

Legal Compliance: You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

Developer Name and Address: KUBRA’s contact information for any end-user questions, complaints, or claims with respect to the Apple App is: media@kubra.com. 

Third-Party Terms of Agreement: You must comply with applicable third-party terms of agreement when using the Apple App. 

Third-Party Beneficiary: KUBRA and you acknowledge and agree that Apple, and Apple's subsidiaries, are third party beneficiaries of this Agreement, and that, upon your acceptance of the terms and conditions of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary thereof.

COPYRIGHT NOTICE.
Copyright © 2021 KUBRA Data Transfer Ltd. All rights reserved.

Last updated: January 18, 2021

This Privacy Notice (the “Notice”) describes how KUBRA Data Transfer Ltd. (“KUBRA”, “we”, “our” or
“us”) handles personal information such as your email, bank account number, bank card number, credit
or debit card number, address, name, home or work address or telephone number in connection with
the operation of the KUBRA services offered to individuals through {add link} (the “KUBRA Services”). 

KUBRA may also collect anonymous demographic information, which is not unique to you such as your
ZIP code, age, gender, preferences, interests, and favorites.

This Notice applies only to information that KUBRA obtains through the KUBRA Services and describes
how we can use the information we obtain and with whom we may share it. KUBRA does not sell any
personal information to third parties. This Notice does not describe the privacy practices of the utilities,
insurance companies, government agencies and other service providers which use the KUBRA Services
as a payment platform (collectively, the “Service Providers”).

WHAT INFORMATION WE OBTAIN
We obtain different types of information, including personal information, through the platform. This
information may be provided by you, such as when you create an account, it may be automatically
collected from your browser or mobile device using technologies such as cookies, or it may be obtained
from other sources. 

Information you provide:
We obtain information you provide in relation to your use of the KUBRA Services, including when you
make a payment. This may include: 

• your contact information, including your name, email address and phone number;
• your account numbers for the Service Providers with whom you engage; and
• your bank account number or debit or credit card number information (including payment card number, expiry date, security code).

We may also obtain information you provide us about others, such as the phone number and email
address of the recipients to whom you want to send a receipt of the bill payment, if you choose to share
the receipt with others. 

If you contact us with any questions or requests relating to the KUBRA Services, we obtain the
information you provide to us in connection with your inquiry or request. 

Cookies and Internet Technology: 
We may use internet technologies such as cookies and web beacons or other similar technologies to
automatically obtain certain information when you access the KUBRA Services from your web browser
or mobile device, such as information about the number and frequency of visitors, technical information
about browsers and devices used to access the KUBRA Services, and information about crashes or other
technical issues. In addition, we may automatically collect certain information across the browsers and  devices you use to access the KUBRA Services as well as across third-party sites, apps or other media.
These technologies may assign or collect a unique identifier on your browser or device, and may reside,
among other places, on your computer or device, within webpages or mobile apps. We may use these
technologies to administer the KUBRA Services, understand usage of the KUBRA Services and improve
the content and offerings of the KUBRA Services. For more information about the use of automated
means in the context of interest-based advertising and how you can limit tracking on your browser or
mobile device, see here. 

Information we obtain from other sources:
We may obtain information about you from third parties, including the Service Providers with whom you
engage. 

HOW WE USE INFORMATION WE OBTAIN 
We may use the information we obtain through the KUBRA Services for a number of purposes, including,
but not limited to: 

• providing you with the KUBRA Services, as well as information you may request;
• marketing and advertising the KUBRA Services and other KUBRA products and services;
• sending you communications, including informational and marketing communications;
• improving the KUBRA Services we provide and customizing the user experience;
• generating and analyzing statistics about your use of the KUBRA Services;
• detecting, preventing, and responding to violations of this Notice or the Terms of Use, violations of law, or other misuse of the KUBRA Services; and
• supporting our business operations.

Interest-based advertising: 
KUBRA has relationships with advertising companies who may use technology such as cookies and
web beacons to provide you with advertising related to the use of KUBRA .  To learn more about
your rights in relation to this ad network interest-based advertising on your browser, including your
choice to opt out, you can follow the instructions provided by the Digital Advertising Alliance
(“DAA”) and/or the Network Advertising Initiative (“NAI”) to place an opt-out cookie on your
browser. These opt-out cookies enable you to block participating companies from installing future
cookies on your computer or browser. If you place opt-out cookies but subsequently clear or delete
cookies on your computer or device browser, your opt-out cookies may be deleted and you may
have to renew your opt-out choices for that specific browser.  

To limit interest-based advertising on your mobile device, you can review and adjust the settings
provided by your device manufacturer, such as “Limit Ad Tracking” for iOS or “Opt-out of interest-
based ads” for Android. 

These opt-out mechanisms are provided by third parties. KUBRA does not control or operate these
mechanisms or the choices provided through these mechanisms. 

WITH WHOM WE SHARE INFORMATION 

We may share the information we obtain from you through the KUBRA Services: 

• with the Service Providers with whom you engage;
• with our affiliates and subsidiaries;
• with third parties that provide services or handle transactions on our behalf;
• as we believe is necessary or appropriate to protect, enforce, or defend our legal rights, the privacy or safety of our employees, users of the KUBRA Services or other individuals and entities, or to comply with or enforce applicable law or legal process, including responding to court orders, warrants, subpoenas and other requests from public and government authorities;
• we reserve the right to transfer any of the information we have about you to proceed with the consideration, negotiation, or completion of a sale or transfer of all or a portion of our business or assets to a third party, such as in the event of a merger, acquisition or other disposition, or in connection with a bankruptcy reorganization, dissolution, or liquidation; and
• we may share your information with third parties when you consent to or request such sharing.

HOW WE PROTECT YOUR INFORMATION 
We maintain reasonable administrative, technical, and physical safeguards to protect the personal
information we obtain through the KUBRA Services. However, no method of transmission over the
internet, or method of electronic storage, is 100% secure. If you create an account to use the KUBRA
Services, you are responsible for keeping your password secure. 

THIRD-PARTY LINKS AND FEATURES 
The KUBRA Services may contain links to third-party websites, mobile apps or features, including
through social media features and widgets on our website. KUBRA is not responsible for the collection
and use of your information by such third parties. We encourage you to review the privacy policies or
other similar statements applicable to third-party websites, mobile apps or features. 

ADDITIONAL INFORMATION FOR CALIFORNIA RESIDENTS 
Under California law, specific disclosures are required and California residents have additional rights
regarding their personal information. Please review this section to learn more.

Residents of California may have the following rights:

1. Right to access your personal information. You may request to access the categories and specific pieces of personal information that we collected about you in connection with your use of the KUBRA Services.
2. Right to deletion. Subject to certain exceptions, you may ask us to delete the personal information we collected about you in connection with your use of the KUBRA Services.
3. Right to disclosure. You may request to receive additional details about the sources from which we collect your personal information, the reasons we collect and share your personal information, and the types of third parties with which we share the information we collected about you in connection with your use of the KUBRA Services.
4. Right to opt out of sales. Under the CCPA, certain types of sharing of personal information may constitute a “sale” of your personal information. Kubra does not “sell” the personal information we collected about you in connection with your use of the KUBRA Services.
5. Right to be free from discrimination. You may exercise any of the above rights without fear of being denied goods or services, including access to the Tools. We are permitted to provide a different level of service or charge a different rate if the difference is reasonably related to the value of your data.

If you would like to exercise any of your CCPA rights related to your use of the KUBRA Services, please
contact us by email as indicated in the Contact Us section below.

Please note that KUBRA is not responsible for the data handling practices of the utilities, insurance
companies, government agencies and other service providers for which you may use the KUBRA Services
as a payment platform (i.e., the Service Providers). If you want to exercise your CCPA rights with respect
to the personal information the Service Providers collect and maintain about you, you will need to
contact them directly to exercise your CCPA rights.

Your Shine the Light California Rights (CA Civil Code § 1798.83)
Residents of California may request a list of third parties to which certain personal information (as
defined by applicable California law) obtained through the KUBRA Services and disclosed by KUBRA
during the preceding year for those third parties’ direct marketing purposes. If you are a California
resident and want such a list, please write to us at 40 E Rio Salado Pkwy, Suite 535, Tempe, AZ, 85281.
For all requests, you must put the statement “Your California Privacy Rights” in the body of your
request, as well as your name, street address, city, state, and zip code. In your request, you need to
attest to the fact that you are a California resident and provide a current California address for our
response. Please note that we will not accept requests via other contact channels, and we are not
responsible for notices that are not labeled or sent properly, or that do not have complete information. 

Do Not Track 
KUBRA does not currently take steps to respond to browsers “Do Not Track” signals as no uniform
standard to respond to such signals has been developed at this time. 

NON-U.S. VISITORS 
The KUBRA Services are intended for U.S. users. If you are located outside of the United States, please
note that the personal information we collect in connection with your use of the KUBRA Services will be
transferred to the United States and other countries.

CHILDREN’S INFORMATION 
The KUBRA Services are not directed to, nor do we knowingly collect personal information from,
children under the age of 13. If you become aware that your child or any child under your care has
provided us with information without your consent, please contact us as indicated below. 

CHANGES TO THIS PRIVACY NOTICE 
We may update this Notice from time to time to reflect changes in our privacy practices or applicable
laws. We will notify you of these changes by publishing the updated version on our website and indicate
at the top of the Notice when it was most recently updated. Your use of the KUBRA Services will be
governed by the current version of this Notice. 

DISPUTES 
Any dispute you may have arising under this Notice will be resolved in accordance with the Terms of
Use. 

CONTACT US 
If you have any questions about this Notice or you would like to review or request changes to the
information collected in connection with your use of the KUBRA Services, please contact us here. 

SUPPLEMENTAL NOTICE TO EU RESIDENTS
Lawful Grounds
If you are a resident of the EU, this notice describes how KUBRA acts in accordance with the General
Data Protection Regulation (“GDPR”). KUBRA relies on legitimate interest to process your data for the
purposes described in the Use of Personal Information section above.

Transfer of Data
KUBRA operates its Services from the United States and Canada, meaning your personal data may be
transferred to the US, Canada and/or to countries outside of the EU. Whenever your personal data is
transferred outside the EU, KUBRA will take all reasonable steps necessary to ensure the data is secure
and treated in accordance with KUBRA’s privacy policy.

Where required by the GDPR, appropriate safeguards, such as the standard contractual clauses
approved by the European Commission will be put in place.

Right to Withdraw Consent
In the circumstance where KUBRA may require your consent in processing your personal data, you have
a right to withdraw your consent for such processing at any time. To withdraw your consent, please
contact us here. Once your withdrawal notification is received, KUBRA will no longer process the
information for the specific purpose(s) for which the original consent was given, unless it is done for a
legal basis.

Requests
Under the GDPR you have the right to:

• Request access to your personal data
• Request the rectification of personal data
• Object to the processing of your personal data
• Request the erasure of your personal data
• Request the transfer of your personal data to another party
• File a complaint with a supervisory authority

Please contact us here, if you would like the exercise any of these rights. We will respond to your
request within a month.