TERMS OF SERVICE

1. General Terms:

This User Agreement (hereinafter referred to as the "Agreement") sets out the terms and conditions of using PayME services. It is considered the "Master Agreement" between the User and PayME Technology Joint Stock Company, abbreviated as "PayME" (the entity managing the intermediary online payment gateway at https://payme.vn). The Agreement applies when Users utilize PayME services. Before using the service, Users acknowledge that they have read, understood, and agreed to the terms outlined in this Agreement.

If the User does not agree with this Agreement, they should not use PayME services. By using PayME services (whether or not the User has registered an account), the User fully agrees to all terms of this Agreement.

PayME reserves the right to amend or supplement the content of this Agreement at any time. Any modifications or additions will be published and updated on https://payme.vn and shall take effect from the time of posting without prior notice. Users are encouraged to regularly review the Terms of Service to ensure continued compliance. Continued use of the service after updates are posted signifies the User's acceptance of such modifications.

 

2. Definitions:

Unless otherwise required by context, the following terms shall be understood as follows:

a. PayME: PayME Technology Joint Stock Company, a legally established and operating business in Vietnam under Business Registration Certificate No. 0310476487, first issued on November 25, 2010.

b. PayME Services: Products and services developed or co-developed by PayME, including but not limited to PayME Link, PayME POS, PayME PayOut, PayME Subscription, etc.

c. PayME E-wallet Application: A digital wallet application owned, developed, and managed by PayME, available for download and use on mobile devices or other electronic devices.

d. PayME Account: An electronic account built on PayME's technical system, meeting legal and technical standards for intermediary payment services. Users can create and manage their PayME accounts through various platforms, including mobile apps, websites, SIM cards, and other methods.

 e. User: Individuals or organizations who register a PayME account and comply with PayME's policies, including identity verification and account linkage in accordance with the law. 

 f. Merchant (Payment Accepting Unit - PAU): A seller of goods or services that accepts PayME as a payment method. Merchants are also considered Users of PayME services and must comply with these terms. 

 g. PayME Payment Partners: Banks, card issuers, or other partners authorized to perform payment functions.

 h. Payment Methods: The ways Users process payments for transactions.

 i. Goods/Services: Items or services legally permitted for sale in Vietnam. 

 j. Intellectual Property Rights: All current and future rights related to copyrights, trademarks, patents, trade names, business secrets, domain names, and any intellectual property protected in any jurisdiction worldwide.  

 k. API (Application Programming Interface): A set of methods and protocols that enable software and applications to exchange data. 

 l. QR Code (Quick Response Code): A type of matrix barcode that encodes information into an image for rapid scanning.

 m. KYC/eKYC (Know Your Customer/electronic Know Your Customer): The process of verifying a User’s identity through traditional or electronic means.   

n. OTP (One Time Password): A randomly generated password used for a single authentication process.

o. Working Days: Monday to Friday, excluding legal public holidays and weekends.    

 

3. User Requirements:

3.1. User Commitments:

• Users confirm that by using PayME, they have full legal capacity to conduct transactions and bear full responsibility for their actions.
• Users agree to provide complete, truthful, and accurate information as required by PayME.
• If a User provides false information or if PayME has reasonable grounds to suspect misleading information, PayME reserves the right to deny access to certain or all PayME services at any time. The User will be responsible for any resulting consequences.

3.2. User Restrictions:

Users must not:

• Be subject to FATCA (Foreign Account Tax Compliance Act) regulations.
• Be classified as Politically Exposed Persons (PEPs).
• Appear on high-risk, watchlist, or blacklisted classifications by government or international organizations.

If PayME identifies a User falling under these categories, it may impose compliance restrictions, service limitations, or terminate services as per applicable laws.

3.3. Security & Compliance:

• Users must promptly report any suspicious activity regarding their accounts or transactions.
• PayME is not liable for any losses resulting from a User's failure to adhere to security requirements.

3.4. Record-Keeping:

• Users must retain digital receipts and transaction records for dispute resolution.
• If transaction records are lost, PayME will assist Users in retrieving available records where possible.
• Users must report missing receipts or transaction errors to PayME's customer support immediately.

 

4. User Rights & Obligations:

4.1. User Rights:

• Use PayME services for lawful transactions after fulfilling registration and verification requirements.
• Benefit from PayME's security measures ensuring safe transactions.
• Freely select, register, suspend, or terminate services based on personal preferences.
• Maintain full ownership of their funds unless deductions are made for fees, penalties, or legal compliance.
• Request access to PayME service usage history at any time.
• Exercise other rights as stipulated in this Agreement and related legal policies.

4.2. User Obligations:

Users must:

• Ensure the accuracy and legality of the information and documents they provide.
• Pay all service fees and charges on time and allow PayME to deduct applicable fees from their PayME accounts.
• Avoid fraudulent, deceptive, or exploitative behavior using PayME services.
• Be responsible for any financial obligations, including taxes and service fees.
• Ensure that the funds used via PayME services are of legal origin.
• Maintain sufficient funds for transactions when using PayME services.
• Promptly report errors, fraud, or security breaches to PayME.
• Accept responsibility for any losses resulting from unauthorized transactions not caused by PayME.
• Refrain from using PayME services for money laundering, terrorist financing, or illegal activities.
• Cooperate with PayME in resolving mistaken or disputed transactions.
• Provide additional information or verification as required by PayME for legal compliance.

By using PayME services, Users confirm their understanding and agreement to comply with these Terms of Service and any related legal regulations.

 

5. PayME Rights & Obligations:

5.1. PayME Rights:

• Deduct outstanding debts, fees, and service charges from the User’s PayME account in the following cases:
  • To collect unpaid service fees or additional costs incurred during the use of PayME services.
  • As per a written request from regulatory authorities to enforce penalties, tax collection, or other financial obligations under the law.
  • To rectify accounting errors or miscalculations with prior notice to the User.
  • If funds were mistakenly credited to a User’s account, whether identified by PayME or reported by another party, and the User has no rightful claim over those funds.
  • To process scheduled payments or recurring transactions requested by the User.
  • In other cases as required by law.
• Refuse to execute a User’s transaction requests in the following situations:
  • The User has not completed identity verification or linked their account as required by PayME.
  • Transaction requests contain errors, incorrect payment credentials, or failed authentication (e.g., incorrect OTP entry).
  • Required system integration (e.g., API setup) has not been completed for specific PayME services.
  • QR codes, payment links, or other integrated payment methods are expired or incompatible with PayME’s system.
  • Insufficient account balance or when the account is locked or frozen.
  • Account closure, suspension, or restriction requests that are not legally compliant or involve unresolved financial obligations.
  • Any other cases specified by law.
• Modify and apply fee structures at any time. Users can check current fees at www.payme.vn, and PayME will notify Users of any updates before they take effect.
• Adjust service fees at its sole discretion with prior notice, allowing Users to choose whether to continue using the service.
• Restrict or suspend service access for system maintenance, troubleshooting, compliance checks, or other necessary interventions.
• Investigate and act against fraudulent transactions by canceling, freezing, or rejecting transactions that involve deception, exploitation, or abuse of PayME’s system.
• Contact merchants, banks, other Users, or third parties to address transaction issues or potential risks involving a User’s account.
• Use collected data for research, security improvements, service enhancements, and financial risk assessments.
• Use User data for marketing campaigns, promotions, surveys, and service updates through:
  • In-app notifications.
  • SMS or phone calls using registered User details.
  • Email communications.
  • Announcements on www.payme.vn or official social media channels: www.facebook.com/paymecorp
• Establish and enforce security measures, access policies, and activity standards to ensure system integrity and compliance with legal requirements.
• Take other necessary actions as allowed under this Agreement and applicable laws.

 5.2. Obligations of PayME:

a. Provide PayME Services to Users in accordance with applicable legal requirements, standards, and regulations.

b. Through the website www.payme.vn, PayME offers an e-wallet service with the function of SAFEKEEPING Vietnamese Dong (VND) for Buyers and Sellers of goods/services using PayME. Based on the balance held in safekeeping, PayME guarantees the instant transfer of payment funds from the Buyer to the Seller.

c. PayME is responsible for disbursing the available balance in a User's PayME account at any time upon request through the “Withdraw” function.

d. When a User transfers money to PayME for safekeeping or payment: at the moment PayME receives the funds, PayME will credit the User’s PayME account with an amount in VND equivalent to the received amount at a 1:1 ratio (after deducting any applicable fees payable by the User, if any).

e. Provide Users with complete and timely information regarding their balance, activities, and transactions when using PayME Services.

f. PayME is responsible for guiding and providing Users with the necessary information and documents regarding the use of PayME.

g. PayME ensures absolute confidentiality of Users' personal and account information. PayME does not sell or exchange Users' information with third parties.

h. Cooperate and provide information to authorities in the event of complaints or reports related to financial fraud or legal violations.

i. Provide customer support and care in accordance with regulations.

j. Receive and handle complaints as per regulations.

k. Fulfill other obligations as stipulated in these Terms of Service, other Agreements/Policies, and relevant legal provisions.

 

6. Agreement on the Collection and Use of User Information:

For detailed information on the collection and use of User data, please refer to the User Privacy Policy at the following link: https://payme.vn/en/web/page/privacy-policy

 

7. Intellectual Property Rights:

7.1. All Intellectual Property Rights, as defined in Article 2, and all other content including information, documents, records, graphics, software, images, videos, music products, audio, program compilations, source code, and other intellectual property assets of PayME are and shall always remain the exclusive property of PayME. These Intellectual Property Rights are reserved and fully protected by law.

7.2. Users must respect PayME’s Intellectual Property Rights and comply with all instructions, requirements, and requests related to the use of PayME Services when involving PayME’s Intellectual Property Rights.

7.3. Except where explicitly permitted in these Terms of Service or by another valid written agreement, Users are not allowed to use, reuse, edit, publish, imitate, copy, modify, translate, create derivative works from, distribute, or disclose PayME’s Intellectual Property Rights in any form or manner. Users are also prohibited from assisting any third party in the unauthorized use of PayME’s Intellectual Property Rights. 

 

8. Registering a PayME Account:

8.1. Registering a PayME E-Wallet Account

To open a PayME E-Wallet Account, PayME will collect account registration information and documents in compliance with legal regulations and PayME’s requirements from time to time. The specific requirements are as follows:

a. For Individuals:

• Required documents: A valid National ID (CMND/CCCD) or Passport (if applicable) for individuals aged 14 years and older.
• Required information:
  • For Vietnamese citizens: Full name, date of birth, nationality, phone number, National ID/CCCD/Passport number, date of issue, and place of issue.
  • For foreign nationals (if applicable): Full name, date of birth, nationality, phone number, passport number, date of issue, place of issue, and visa information (if available).

b. For Organizations:

• Required documents: Establishment Decision, Enterprise Registration Certificate (ERC), Investment Certificate, legal representative authorization documents, and the National ID/CCCD/Passport of the legal representative.
• Required information: Full trade name and abbreviation, business registration number and tax identification number (if different from the business registration number), registered headquarters address, business transaction address, phone number, and legal representative details (same as individual requirements in section 8.1.a).

8.2. Registering a Merchant Service Provider (ĐVCNTT) Account

To open a Merchant Service Provider (ĐVCNTT) Account, Users must contact PayME for specific instructions. PayME will collect account registration information and documents following legal requirements and PayME’s policies from time to time.

8.3. Additional Information Collection

Beyond the information listed above, PayME reserves the right to collect additional information based on its risk classification policies, customer categorization, and Know Your Customer (KYC) regulations for Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and Prevention of the Proliferation of Weapons of Mass Destruction. This may include additional details related to business operations, management structure, beneficial ownership, compliance levels, and other necessary information.

 

9. Using a PayME Account

9.1. Using a PayME E-Wallet Account

a. In accordance with legal regulations, before using a PayME E-Wallet Account, Users must link their PayME E-Wallet to a bank account or debit card issued by a partner bank. There is no limit to the number of linked bank accounts or debit cards for a single PayME E-Wallet account.

b. Funds can be added to a PayME E-Wallet account through:

• A bank account or debit card owned by the User.
• Transfers from another PayME E-Wallet account.

c. Users can only use their PayME E-Wallet for the following purposes:

• Paying for legitimate goods and services.
• Transferring money to another PayME E-Wallet.
• Withdrawing funds from PayME E-Wallet to a linked bank account or debit card.

d. Transaction limits:

• The total transaction limit for personal PayME E-Wallet accounts (including payments for goods/services and wallet-to-wallet transfers) is 100 million VND per month.
• This limit does not apply to Users registered as Merchant Service Providers (ĐVCNTT) under PayME.

e. Users must comply with all applicable requirements, guidelines, and legal regulations when using the PayME E-Wallet Account.

9.2. Using a Merchant Service Provider (ĐVCNTT) Account

After successfully registering a Merchant Service Provider (ĐVCNTT) Account and completing the verification process, PayME will provide guides and technical documents to help Users operate their accounts. Additionally, Merchant Service Providers can contact PayME directly for further assistance and support.

 

10. Temporary Lock, Lock, and Freezing of PayME Accounts

10.1. Conditions for Locking or Temporarily Locking a PayME Account

A PayME Account may be locked or temporarily locked in the following cases:

• Upon the User’s request.
• As agreed between the User and PayME.
• At the request of competent authorities.
• When PayME detects or has reasonable suspicion that the User has engaged in any activities that violate the Terms of Service, internal policies and regulations of PayME, or applicable laws.

The unlocking or temporary unlocking of an account will be carried out when the reason for the lock/temporary lock has been resolved or as permitted by law.

The locking or temporary locking of a PayME Account may be implemented alongside other transaction-related measures, such as:

• Canceling transactions
• Rejecting transactions
• Freezing transactions
• Reversing transaction amounts

These actions will be taken if deemed necessary by PayME.

10.2. Conditions for Freezing a PayME Account

A PayME Account may be partially or fully frozen in the following cases:
a. When PayME receives an official decision or request from a competent authority as required by law.
b. When PayME detects errors or discrepancies in account transactions. In such cases, the frozen amount shall not exceed the amount involved in the discrepancy.

10.3. User Notification

PayME will notify the User when a lock, temporary lock, or account freeze is applied, as well as when it is lifted or terminated.

10.4. Purpose of Account Restrictions

These measures are implemented by PayME on a case-by-case basis to:

• Ensure the security of User accounts.
• Minimize financial losses for Users.
• Support government authorities in compliance with relevant laws and regulations.

 

11. Closing a PayME Account

11.1. Conditions for Closing a PayME Account

A PayME Account will be closed in the following cases:

a. When the User no longer wishes to use PayME services associated with the account and requests account closure, provided that the User has fulfilled all obligations related to that PayME Account.

b. When the User passes away, is declared deceased, is missing, or loses legal capacity and is no longer eligible to use the PayME Account. In such cases, PayME will notify the guardian, legal representative, or rightful heir, provided PayME has their contact details or receives a request from them.

c. When the User violates any commitments or agreements with PayME.

d. When the User's PayME Account remains inactive for 180 consecutive calendar days, and the account balance is less than 50,000 VND.

e. In other cases as required by law.

11.2. User Notification Before Account Closure

Except for cases specified in Sections 11.1.a and 11.1.b, PayME will notify the User via their registered contact channels regarding the closure or termination of their PayME Account, along with the specific reason for the closure.

If the User does not respond to reject the account closure within five (5) business days, the PayME Account will be officially closed.

11.3. Handling User Requests Before Account Closure

If the User, or their guardian, legal representative, or rightful heir (as specified in Section 11.1.b), submits any request or inquiry regarding the closure of the PayME Account, PayME will process and resolve such inquiries within a maximum of forty-five (45) business days from the date of receiving the request.

11.4. Actions Taken Upon Account Closure

Upon processing the PayME Account closure, within a maximum of five (5) business days, PayME will:

a. Terminate the provision of PayME Services to the User through that account.
b. Cancel all pending transactions, including pending, processing, automatic, and recurring requests, and refund any temporarily collected funds associated with these requests.
c. Settle any remaining balance (if applicable) in the account.
d. Terminate all linked accounts and connections associated with the PayME Account.
e. Remove the account from the list of active accounts in PayME’s system.
f. Retain account information if required for legal or operational purposes.

11.5. Processing Account Balances Upon Closure

When closing a PayME Account, the User understands and agrees irrevocably that the account balance will be handled as follows:

a. Funds will be disbursed or refunded based on the User’s irrevocable request.
b. Funds will be disbursed or refunded based on the irrevocable request of the guardian, legal representative, or rightful heir, in cases specified in Section 11.1.b.
c. Funds will be disbursed according to the decision of a competent authority.
d. In cases not covered by Sections 11.5.a, 11.5.b, or 11.5.c, the balance will be handled at PayME’s discretion, in compliance with applicable laws.
e. After the PayME Account is closed, if the User wishes to use PayME services again, a new account will be issued following the account opening procedures and regulations in effect at that time.
f. An account will only be closed when its balance is zero (0). This means that all remaining funds must be settled as per the terms outlined in Section 11.5 before the account is officially closed.

 

12. Prohibited Actions

12.1. Providing false or misleading information

• Intentionally concealing, falsifying, forging, or misrepresenting information.
• Committing fraud, impersonation, anonymity, or using deceptive measures to provide incorrect information when registering, using a PayME Account, or engaging in any activities related to PayME Services.

12.2. Failure to provide accurate information upon request

Users must provide truthful information when requested by PayME in accordance with this Terms of Service, the Privacy Policy, and applicable laws.

12.3. Unauthorized access or system abuse

• Attempting to access, hack, damage, obstruct, or modify PayME's software, electronic databases, or IT infrastructure.
• Exploiting system or software vulnerabilities to gain unauthorized benefits.

12.4. Actions that disrupt PayME’s service relationships

Engaging in activities that restrict PayME’s access to Internet service providers, payment service providers, or any other necessary service providers.

12.5. Fraudulent and illegal financial activities

Organizing or facilitating fraudulent transactions, fund misappropriation, or engaging in activities related to:

• Money laundering
• Terrorist financing
• The proliferation of weapons of mass destruction
• Any other illegal financial operations

12.6. Violation of PayME’s Intellectual Property Rights

Any actions that infringe upon PayME’s intellectual property, including copying, modifying, distributing, or unauthorized use of PayME's brand, products, or services.

12.7. Defamation, threats, and misinformation

Misusing PayME’s name, services, or brand for:

• Defamation, threats, or harassment.
• Spreading false, misleading, or inaccurate information that harms PayME or any individuals or organizations.

12.8. Credit card abuse

Using a linked credit card in a PayME Account for cash withdrawals, or facilitating others in doing so.

12.9. Illegal gambling and fraudulent transactions

• Using PayME’s services for gambling, operating illegal gambling businesses, fraud, or processing fake transactions.
• Conducting non-existent or simulated transactions for goods or services that were not actually sold.

12.10. Other prohibited activities

Any other activities deemed illegal under current laws and regulations.

 

13. Handling Dispute Requests and Complaints

13.1. Official Contact Channels

Users can submit inquiries or complaints through the following channels:
a. Hotline: 1900 88 66 65 (24/7, recorded calls)
b. Email: hotro@payme.vn
c. Online platform: www.payme.vn
d. Physical office: 152-154-156-158-160 B2 Street, An Lợi Đông Ward, Thu Duc City, Ho Chi Minh City

13.2. Conditions for Processing Complaints and Inquiries

a. A request will only be accepted and processed if it meets the following conditions:
b. It is submitted by the account owner, a legal guardian, representative, or heir with appropriate authority.
c. It is submitted through one of the official contact channels listed in 13.1.
d. The complaint is submitted within the valid dispute resolution timeframe.
e. The request must be in written form (physical document or electronic message) using PayME’s official complaint/request template, as guided [here] (official link).

13.3. Timeframe for Filing a Dispute or Complaint

Users have up to 60 (sixty) days from the date of the disputed transaction to submit a request for review or complaint.

13.4. Timeframe for Processing Disputes or Complaints

PayME will process and resolve the request within a maximum of 45 (forty-five) business days from the date the complaint is first received.

13.5. Resolution of Disputes and Complaints

a. Within 5 (five) business days from notifying the User of the dispute resolution outcome, PayME will compensate the User for any verified losses that:

• Were not caused by the User, and
• Do not fall under force majeure events, as outlined in the Terms of Service.

b. If the cause or responsible party remains undetermined after the 45-day dispute resolution period (Section 13.4), then:

Within the next 15 business days, PayME will negotiate a resolution with the User or escalate the dispute to the relevant authorities.

c. If the case shows signs of criminal activity, PayME will:

• Report the case to competent legal authorities under criminal procedure laws.
• Notify the State Bank of Vietnam (Payment Department, State Bank of Vietnam – Ho Chi Minh City Branch).
• Provide written notice to the User regarding the status of the dispute resolution.
• If authorities determine no criminal elements were involved, PayME will within 15 business days from receiving the final decision negotiate a resolution with the User or escalate the case to the relevant dispute resolution authorities.

 

14. Processing Other User Requests (Non-Dispute Related Requests)

14.1. Accepted Communication Channels

a. Official channels listed in Section 13.1, including:

• Hotline
• Email
• Website
• Physical office

b. Other channels, including: Zalo, Facebook, Telegram, or other platforms where PayME has an official account for interacting with Users.

14.2. Nature of Non-Dispute Requests

Requests covered under Section 14 refer to general support inquiries, such as:

• Basic information inquiries
• General troubleshooting and assistance

These do not require:
(i) Access to, connection with, use of, or disclosure of User’s personal, transaction, account, or security information (per PayME’s policies).
(ii) Account-related transactions, operations, or interactions requiring verification or authentication within PayME’s system.

14.3. Processing of Non-Dispute Requests

• PayME will process such requests immediately or within a reasonable time.
• No verification or authentication is required for these requests.
• However, to facilitate support, PayME may collect basic user information, such as:
  • Name
  • Phone number
  • Email

 

15. Compensation and Reimbursement Policy

15.1. User’s Obligation to Compensate PayME

The User agrees to indemnify PayME and its affiliates and ensures that PayME and its affiliates will not bear any liability for damages, losses, claims, lawsuits, compensation demands, legal proceedings, costs/fees, or other liabilities arising from or related to:

a. The User’s misuse of PayME Services and PayME Accounts, in violation of:

• These Terms of Service
• PayME’s policies, regulations, and guidelines

b. The User’s violation of applicable laws and regulations.

15.2. Compliance with Refund Policies

Users agree to comply with refund regulations as specified in these Terms of Service and the refund policies of merchants or service providers with whom they have conducted transactions.

15.3. PayME’s Role in Refunds

• PayME respects and facilitates refund agreements between Users and merchants/service providers.
• Refund processing must not infringe upon PayME’s legal rights and must comply with applicable laws and regulations.

 

16. Limitation of Liability

16.1. General Limitation of Liability

PayME shall not be liable for any losses, damages, liabilities, or costs incurred by the User arising from their use or inability to use PayME Services, except in cases where PayME is at fault for the loss or damage.

16.2. Exclusion of Indirect Damages

PayME shall not be liable for any indirect, special, consequential, incidental, or force majeure-related damages arising from the use or inability to use PayME Services.

16.3. Force Majeure Events

PayME shall not be responsible for non-performance or delays in fulfilling its obligations due to uncontrollable force majeure events, including but not limited to:

• Natural disasters (floods, storms, earthquakes).
• Pandemics or virus outbreaks.
• Government-imposed restrictions.
• Strikes, wars, or political conflicts.
• Network failures or telecommunication breakdowns.
• Other unforeseeable and uncontrollable events, as recognized by law or mutual agreement.

16.4. Maximum Liability Cap

If PayME is found liable for any losses or damages, the User agrees that PayME’s total liability shall be limited to the actual direct damages suffered by the User and shall not exceed 100,000,000 VND (One Hundred Million Vietnamese Dong).

 

 17. Notifications and Contact Information

17.1. PayME’s Commitment to Service Quality

PayME is committed to listening, learning, and continuously improving its services to enhance User experience. For any opinions, feedback, complaints, or requests, Users may contact PayME through the following channels:

a. Hotline: 1900 88 66 65 (24/7, recorded calls)
b. Email: hotro@payme.vn
c. Online Support: www.payme.vn (Live Chat with Support Staff)
d. Head Office Address:
152-154-156-158-160 B2 Street, An Lợi Đông Ward, Thu Duc City, Ho Chi Minh City
(Working hours: 8:00 AM - 5:30 PM on business days)

17.2. Methods of Notification to Users

Any official notices or documents from PayME to Users, as required under these Terms of Service, may be sent via:

a. Postal Mail (Standard or Registered Mail) to the latest address provided by the User in their PayME Account registration records.
b. Email to the latest registered email address of the User, as recorded by PayME.
c. Announcements published on PayME’s official website: www.payme.vn.

d. SMS or phone calls to the latest registered phone number of the User, as recorded by PayME.

17.3. User Agreement on Notifications

• The User agrees that PayME may send messages or make phone calls to the User via their registered phone number, through the PayME Wallet App, or via other official channels.
• The User acknowledges that notifications sent via messages (SMS), phone calls, the PayME Wallet App, or other official channels under these Terms of Service are not limited in number or time and will have the same legal validity as an official PayME notice, provided they comply with applicable laws.

 

18. Other Provisions

18.1. Validity of the Agreement

If any part of this Agreement is found to be invalid, unenforceable, or void, it shall not affect the legality, validity, or enforceability of the remaining terms and conditions unless explicitly stated otherwise.

18.2. Non-Waiver of Rights

Failure or delay by PayME in enforcing any of its rights or obligations under these Terms of Service shall not be considered a waiver of those rights or obligations, unless PayME expressly states such a waiver in writing.

18.3. Force Majeure Events

a. Definition of Force Majeure

• Force majeure events are unforeseeable and unavoidable circumstances that occur beyond the reasonable control of a party, despite all necessary precautions. These events include but are not limited to:
  • Natural disasters: Earthquakes, floods, fires, storms.
  • Accidents and catastrophes: Explosions, nuclear contamination, or radiation.
  • Pandemics and public health crises.
  • Wars, civil unrest, riots, insurrections.
  • Strikes, government-imposed restrictions, or regulatory changes.
• The affected party must notify the other party in writing as soon as possible regarding its inability to fulfill obligations due to a force majeure event.
• Within 15 (fifteen) days from the occurrence of the force majeure event, the affected party must send written proof of the event via registered mail to the other party.

b. Minimization of Damage

The affected party is responsible for making all reasonable efforts to minimize the damage caused by the force majeure event.

c. Liability Exemption

PayME shall not be held liable for any failure or delay in performing obligations under these Terms of Service due to a force majeure event.

18.4. Assignment of Rights and Obligations

a. User Restrictions on Transfer of Rights

The User may not transfer or assign any of their rights or obligations under this Agreement without PayME’s prior written consent.

b. PayME’s Right to Transfer Obligations

• PayME may transfer its rights and obligations under these Terms of Service to a third party by providing a public notice on its website (and/or other official communication channels) at least 15 days before the transfer becomes effective.
• If the User continues to use PayME’s services after the transfer date, it will be considered as their acceptance of the transfer.
• If the User does not agree, they have the right to stop using PayME’s products and services.

18.5. Disputes Between Users and Third Parties

• PayME bears no responsibility for disputes between Users and third parties.
• PayME’s role is limited to supporting Users by providing necessary information to help them resolve disputes directly with the third party.

18.6. Dispute Resolution

• Any disputes or disagreements arising from these Terms of Service shall first be resolved through negotiation and mediation.
• If a resolution cannot be reached through negotiation, both parties agree to submit the dispute to a court with jurisdiction in the location where PayME is headquartered for resolution.

18.7. Governing Law

• These Terms of Service shall be governed by and interpreted in accordance with Vietnamese law.
• Any issues not covered in these Terms of Service shall be handled in accordance with Vietnamese legal regulations applicable at the time