Electronic Communications and E-Sign Consent

Effective date: October 6, 2026

Moneyspace is an online-only service provided by PAYCORE TECHNOLOGY CO., LTD ("we", "us"). To open and use an account, you must agree to receive documents and communications from us electronically and to sign agreements electronically. Please read this consent carefully and keep a copy for your records.

1. What you are agreeing to

By ticking the box to accept when you sign up, you agree that:

• we may provide all Communications (described in section 2) to you electronically instead of on paper;
• you may sign or accept agreements, authorisations and instructions electronically, and your electronic acceptance has the same legal effect as a handwritten signature;
• electronic records of your acceptance and of our Communications may be used as evidence.

This consent applies to every profile you hold or access, including business profiles. If you accept on behalf of a business, you confirm that you are authorised to give this consent for it.

2. Communications covered

"Communications" means any information that we provide to you, or that the law requires us to provide to you, about your account and our services, including:

• our Terms and Conditions, Privacy Policy and other policies, and any changes to them;
• disclosures about fees, exchange rates, limits and risks, including those shown in the App before you confirm an operation;
• transaction confirmations, receipts, notifications and your transaction history;
• notices about your account, such as requests for information, holds, suspensions or closure;
• security alerts and sign-in codes;
• responses to complaints and other correspondence;
• any tax or regulatory documents we are required to give you.

3. How we deliver Communications

We may deliver Communications by any of these methods:

• by email to the address you sign in with or, for matters about a profile, to the contact email address set for that profile;
• in the App at https://app.moneyspace.io, for example as a message, a screen shown before you confirm, or an item in your transaction history;
• on our website at https://moneyspace.io, for example for our legal documents, together with a notice to you by email or in the App where the change affects you.

A Communication sent by email is treated as delivered on the day we send it, unless we receive a notice that it could not be delivered. A Communication in the App or on our website is treated as delivered when we make it available.

4. What you need

To receive and keep Communications electronically, you need:

• a device (computer, tablet or phone) with an internet connection;
• a current version of a widely used web browser, such as Chrome, Safari, Firefox or Edge, with JavaScript enabled and browser storage allowed;
• a working email account that you can access, and that you keep secure;
• the ability to save or print web pages or PDF files, or software that can open them.

By giving this consent, you confirm that you have access to these and are able to access, save or print the Communications described here. If our requirements change in a way that could prevent you from accessing or keeping Communications, we will tell you and give you the chance to withdraw your consent without charge.

5. Keeping copies

Your transaction history is available in the App for as long as you have an account. We recommend that you save or print important Communications, such as our Terms and Conditions and any notices of changes, when you receive them. Our current legal documents are always available on our website.

6. Paper copies

You may ask for a paper copy of any Communication by writing to support@moneyspace.io. We will send it, without charge, to a postal address you give us. Asking for a paper copy does not withdraw your consent to electronic Communications.

7. Keeping your email address up to date

You must keep the email address you sign in with, and the contact email address of each profile, accurate and working. You can change a profile's contact email in the App. To change the email address you sign in with, contact us at support@moneyspace.io; we will verify your identity before doing so. If our emails to you are returned as undeliverable, we may restrict your account until you give us a working address.

8. Withdrawing your consent

You may withdraw your consent to electronic Communications at any time by writing to support@moneyspace.io. Withdrawal is free and takes effect once we have had a reasonable time to process it. However, our services are offered only online, so if you withdraw your consent, we will close your account as described in our Terms and Conditions, after giving you the opportunity to withdraw your balances. Withdrawal does not affect the legal validity of Communications delivered or agreements signed before it took effect.

9. Legal effect

This consent is given under the laws on electronic transactions that apply to you, including, where applicable, Canada's Personal Information Protection and Electronic Documents Act (Part 2) and provincial electronic commerce laws such as Ontario's Electronic Commerce Act, 2000, the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act), and the European Union's eIDAS Regulation. If a law requires a particular Communication to be given on paper or in another specific form, we will comply with that requirement.

10. Language

Our legal documents and formal notices are in English. The App, sign-in codes and some other Communications may be in the language you choose in the App; if a translation differs from the English version, the English version applies.

11. Contact

Questions about this consent can be sent to support@moneyspace.io.