1. TERMS OF SERVICE (ToS)

1. Introduction

Welcome to Colibri Financial Innovations LLC (“Colibri,” “we,” or “us”), a financial technology (FinTech) platform that provides international money transfer services, payroll management, multi-currency payments, and financial analytics. Our Services leverage advanced security protocols, process automation, and integrations with third-party providers such as Plaid and Pockyt to facilitate seamless and secure financial transactions.These Terms of Service (“Terms”) govern your access to and use of our website, mobile applications, and any related services (collectively, the “Services”). By accessing or using our Services, you (“User” or “you”) agree to be bound by these Terms.

2. Acceptance of Terms

1. Consent: By creating an account, accessing, or using the Services, youacknowledge that you have read, understood, and agree to be legally bound by these Terms.

2. Modifications: We reserve the right to modify or update these Terms at any time. If changes are made, we will notify you through your registered contact information or by posting a notice on our platform. Continued use of our Services after any modifications implies acceptance of the revised Terms.

3. Description of Services

1. International Money Transfers: We facilitate cross-border money transfers through secure and efficient channels, partnering with reputable financial institutions and third-party providers.

2. Payroll Management: We offer tools to automate and manage payroll processes both locally and internationally.

3. Multi-Currency Payments: Our platform supports payments in multiple currencies at competitive exchange rates.

4. Financial Analytics: We provide automated financial reporting and analytics to help you make informed decisions regarding expenses, revenue, and cash flow.

5. Third-Party Integrations:

○ Plaid: For secure bank account connectivity and verification.

○ Pockyt: For additional payment or wallet services.

4. Limitations of Liability

1. Accuracy of Information: While we strive to ensure the information provided through our Services is accurate, Colibri is not liable for any errors, inaccuracies, or omissions.

2. Third-Party Providers: We rely on partners such as Plaid and Pockyt to provide certain functionalities. We cannot guarantee the availability, performance, or3. 4. accuracy of these external services and are not responsible for any loss or damages resulting from their use or unavailability.

3. Financial Risks: All financial transactions involve inherent risks (e.g., currency fluctuations, regulatory changes). By using our Services, you acknowledge and accept these risks.

4. Security: We implement advanced security measures to protect your transactions and data. However, we cannot guarantee absolute security on the internet and disclaim liability for cyber-attacks or security breaches that are beyond our reasonable control.

5. User Rights and Obligations

1. Access to the Platform: You have the right to access and use our Services in accordance with these Terms.

2. Accurate Information: You agree to provide accurate and up-to-date information when creating an account, verifying your identity, or conducting transactions.

3. Property Rights: You retain ownership of any content or data you provide, provided it does not violate the intellectual property rights of Colibri or third parties.

4. Compliance: You agree to comply with all applicable laws, regulations, and policies, including anti-money laundering (AML) and know-your-customer (KYC) requirements.

6. Termination of Services

2. Termination by Colibri: We reserve the right to suspend or terminate your access to the Services without prior notice if you breach these Terms or if there is suspicion of fraudulent or illegal activity.

2. Termination by User: You may close your account and discontinue using the Services at any time. Termination does not absolve you of any outstanding obligations or liabilities incurred prior to termination.

7. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the jurisdiction

where Colibri is formally incorporated. Any disputes arising under these Terms shall be

resolved by the competent courts of that jurisdiction, without prejudice to mandatory

consumer protection rules of your country of residence.