This Customer Agreement (the "Agreement") is made and entered into as of the date first written above by and between TOPKASH ("TOPKASH" or "Us") and the person or entity who signs up for a TOPKASH Account ("You" or "Your").

In this Agreement, the following terms have the following meanings:

• "TOPKASH Account" means an electronic money account that You open with TOPKASH.
• "TOPKASH Services" means the services provided by TOPKASH, including but not limited to:
• Sending money internationally;
• Receiving money internationally;
• Holding multiple currencies in a single account;
• Making payments online and in person.

To be eligible to use TOPKASH's services, You must:

• Be 18 years of age or older;
• Be a resident of a country where TOPKASH is available;
• Provide TOPKASH with accurate and truthful information;
• Comply with all applicable laws and regulations.

TOPKASH charges fees for its services. The fees will vary depending on the service You use, the currency You are transferring, and the payment method You use. You can find more information about TOPKASH's fees on our website.

TOPKASH provides a variety of services, including:

• Sending money internationally;
• Receiving money internationally;
• Holding multiple currencies in a single account;
• Holding multiple currencies in a single account;

When You open a TOPKASH Account, You will be assigned a unique identifier. You are responsible for keeping Your TOPKASH Account information confidential and secure. You are also responsible for all activity that occurs on Your TOPKASH Account.

When You make a transaction using TOPKASH's services, You agree to provide TOPKASH with accurate and truthful information. You also agree to comply with all applicable laws and regulations.

TOPKASH is not liable for any losses or damages that You may suffer as a result of using TOPKASH's services. This includes, but is not limited to, losses due to:

• Errors or omissions in TOPKASH's systems;
• Fraud or theft;
• Force majeure events.

This Agreement is governed by and construed in accordance with the laws of the country where TOPKASH is established. Any dispute arising out of or relating to this Agreement will be subject to the exclusive jurisdiction of the courts of that country.

This Agreement constitutes the entire agreement between You and TOPKASH with respect to the subject matter hereof and supersedes all prior or contemporaneous communications, representations, or agreements, whether oral or written.

No waiver of any provision of this Agreement will be effective unless in writing and signed by both parties.

If any provision of this Agreement is held to be invalid or unenforceable, such provision will be struck from this Agreement and the remaining provisions will remain in full force and effect.

TOPKASH may amend this Agreement at any time by posting the amended Agreement on our website. The amended Agreement will be effective immediately upon posting. You agree to be bound by any such amendments by continuing to use TOPKASH's services after the effective date of the amendments.

By using TOPKASH’s services, You agree to be bound by the terms of this Agreement.