الشروط والأحكام — قطر

1. Parties, acceptance and definitions

These Terms and Conditions govern the use of the Fluye platform (usefluye.com) in the State of Qatar and form a contract between myservy LLC, a limited liability company registered in the Qatar Financial Centre under QFC No. 05314, with its registered office at Office No. 12, Hub A, Level 3, Innovation Centre Building (Building No. 125), Qatar Science & Technology Park, Education City, Doha, Qatar ("Fluye", "we"), and the company that registers and uses the service ("the Client", "you").

By creating an account, ticking the acceptance box or using Fluye, the Client represents that the person accepting has authority to bind the company and accepts these Terms, the Privacy Policy and the Security Policy, which form part of this contract. If the Client does not agree, it must not use the service.

Definitions:

2. What Fluye is, what it is not, and availability in Qatar

Fluye is a platform that structures the commercial and financial flow between companies: it lets companies quote, receive orders, invoice, send payment links, reconcile payments and pay suppliers, and it connects the Client's Transaction history with Partners that can cover its receivables or finance its operations.

Availability. The Fluye service in Qatar is being activated in stages. The available features and the commercial launch date are published on the Qatar page of the website. Until launch, registration creates an early-access account without real Operations or fees, and these Terms govern that access.

To avoid confusion, Fluye is not:

• A bank or financial institution. myservy LLC is a non-regulated QFC entity: it does not take or hold funds, does not grant credit and does not carry out regulated financial activities. Collections and payments are executed by Partner banks on their own systems; Fluye instructs and reconciles.
• An insurer. It does not take credit risk. Coverage is provided by Partner insurers under their own policies and conditions.
• A credit bureau or credit reference agency. The Ecosystem score is calculated only from what happens within Fluye and is not sold.
• A party to the Client's operations. Contracts of sale, services or credit between the Client and its Counterparties or Partners are between them. Fluye provides the infrastructure.

Fluye may offer additional modules (operational applications) with specific conditions that are disclosed when contracted and supplement these Terms.

3. Registration, account and users

Requirements. Only legal entities lawfully established in the State of Qatar (including the QFC and free zones), with a valid commercial registration or licence, may register, through a representative with sufficient authority. Fluye may request documents to verify the existence of the company, the identity of its representatives and ultimate beneficial owners and the origin of its operations, and may reject or condition a registration without giving reasons.

Accurate information. The Client warrants that the data it registers and the Operations it loads are true, complete and up to date, and that the invoices and documents issued through Fluye correspond to real operations.

Users. The Client manages its Users, assigns them roles and is responsible for everything they do in its account. It must remove access for anyone who is no longer authorised. Credentials are personal and non-transferable. The Client must enable two-factor authentication for Users who approve payments or administer the account.

Account security. The Client must notify Fluye immediately of any unauthorised access or suspected compromise. Fluye is not liable for operations carried out with valid credentials before receiving that notice.

One account per company. Each legal entity has one account. Business groups may request linked accounts with common administration.

4. Use of the service

Modules. The Client may use Fluye within the scope it contracts: sales (quotes, orders, invoicing), collections (payment links and reconciliation), purchasing and supplier payments, and the available operational applications. It may use collections only without activating the other modules.

Collections. The Client generates payment links or invoices that its Counterparties pay through the means enabled by Partner banks. Funds are credited to the bank account in Qatar that the Client registers in its own name, within the bank's timeframes. Fluye reconciles each payment against the corresponding Operation. The Client is responsible for the accuracy of the destination account it registers.

Payments. When the Client pays suppliers through Fluye, it instructs the Partner bank and is responsible for having sufficient funds and for the identity and bank details of the supplier it loads. Fluye never holds funds.

Client obligations. Use Fluye only for lawful and real commercial operations; issue its commercial and tax documents in accordance with the rules of the General Tax Authority and, where applicable, the QFC; meet its obligations to Counterparties and Partners; keep its data up to date; and not interfere with the operation of the Platform.

Availability. Fluye aims to operate continuously, but there may be interruptions due to maintenance, third-party failures (banks, infrastructure providers, connectivity) or force majeure. We will give advance notice of scheduled maintenance.

5. Use of the Transaction history: Ecosystem score and Partners

This clause is central to Fluye and we ask you to read it carefully. By accepting these Terms, the Client expressly consents to Fluye:

1. Calculating the Client's Ecosystem score from its Transaction history: payment behaviour (its own and that of its collections), operational fulfilment, tenure, volume and recurrence of its Operations in Fluye. The score is calculated only with data generated within the Platform; Fluye does not consult credit bureaus or external sources to calculate it.
2. Sharing its Transaction history and score with Partners, so that they can assess and manage receivables coverage, financing and payment processing for the Client. Partners receive only what is necessary for that purpose and are bound by agreement to protect it and not to use it for other purposes.
3. Using aggregated and anonymised data from the Transaction history for statistics, service improvement and description of the ecosystem, without identifying the Client.

This consent is specific and informed, does not require additional confirmation for each Operation or each Partner, and may be withdrawn as set out in the next paragraph. The Client may request the correction of erroneous underlying data.

Right to opt out. The Client may at any time request in writing, at privacy@usefluye.com, that Fluye stop sharing its history and score with Partners. The opt-out takes effect within a maximum of 10 business days and does not affect what has already been shared or existing coverage or financing. While opted out, the Client will continue to use Fluye's operational modules but will not have access to coverage or financing from Partners, which depend on that information.

Individuals. When the Client collects from individuals through Fluye, their data is processed under the QFC data protection regime and, where appropriate, Fluye will request specific consent from them. This data does not generate a score for the individual.

Details of which data is used, with whom it is shared and how it is protected are set out in the Privacy Policy, sections 5 and 6 and the Qatar Annex.

6. The Client's Counterparties

When sending a quote, invoice, payment link or invitation through Fluye, the Client loads data about its Counterparties and has them interact with the Platform. The Client:

• Warrants that it has the right to use that data and a real commercial relationship with each Counterparty.
• Undertakes to inform its Counterparties that it manages the operation through Fluye and that their data is processed in accordance with Fluye's Privacy Policy, available on the website. Fluye includes a notice with that link in the documents and links the Counterparty receives, but the duty to inform lies with the Client.
• Understands that its Counterparties' payments and fulfilment feed the Client's score, not a score for the Counterparty, as long as the Counterparty does not have its own Fluye account.
• When collecting from individuals, undertakes to comply with the applicable data protection and collection rules towards them, and to load only the data needed to manage the collection.

Fluye processes Counterparties' data on behalf of the Client, as processor under the QFC Data Protection Regulations, for the purpose of executing the Operation, and is accountable to them under the Privacy Policy. The Client will hold Fluye harmless from Counterparty claims arising from data loaded without right or from non-existent operations.

7. Partner coverage and financing

Through Fluye, the Client may access coverage of its receivables from Partner insurers and financing or advances on collections from Partner banks authorised in Qatar. Rules:

• The decision belongs to the Partner. Fluye presents the history and the score; the Partner decides whether to cover or finance, in what amount and on what terms, according to its own policies and the Qatar Central Bank or QFC Regulatory Authority regulation that applies to it. Fluye does not guarantee that a Client will be accepted.
• The contract is between the Client and the Partner. The policy, the financing agreement and their terms (premiums, rates or margins, fees, exclusions, terms, Sharia-compliant structures where the Partner offers them) are set by the Partner and accepted by the Client directly with it. Fluye facilitates contracting and the exchange of information, and may receive remuneration from the Partner for that technological intermediation.
• Changes in conditions. The Partner may adjust or withdraw coverage or financing based on the Client's behaviour and its own rules. Fluye will inform the Client of changes the Partner communicates through the Platform.
• Current Partners. Fluye works with insurers and banks authorised in Qatar with a current agreement, which may change over time. The Client learns the specific Partner when contracting coverage or financing with it. A change of Partner does not alter these Terms.

8. Prices and invoicing

Fluye charges for three items, according to the contracted plan:

The prices in force for each Client are set out in its commercial proposal or in the plan visible on the Platform. They are expressed and invoiced in Qatari riyals (QAR) or United States dollars (USD), as the proposal indicates. Prices do not include any taxes that Qatari law may apply to these services; if an indirect tax is introduced, it will be added to the invoice.

Fluye may change prices with at least 30 days' notice through the Platform or by email. A Client that does not accept the change may terminate the contract before it takes effect. Invoices not paid when due may incur a reasonable late-payment charge and may lead to suspension (clause 11). Partner bank fees are separate and are charged by each bank according to its tariff.

9. Verification, compliance and prohibited use

Verification and screening. Fluye verifies the identity of Clients, their representatives and ultimate beneficial owners and checks sanctions lists, politically exposed persons and adverse media, directly or through specialised providers, before registration and periodically. The Client will cooperate by providing the information requested. Fluye may reject, limit or terminate the relationship due to adverse results, and Partners may require additional checks under their own regulatory obligations.

Anti-money laundering and counter-terrorist financing. The Client declares that its funds and operations have a lawful origin and destination and that it complies with Law No. 20 of 2019 of the State of Qatar, the QFC AML/CFT rules and applicable sanctions. Fluye and its Partners may report suspicious transactions to the Qatar Financial Information Unit or another competent authority without prior notice to the Client when the law so requires.

Prohibited use. The Client may not use Fluye for: simulated operations or unsupported invoices; collections or payments for unlawful activities; impersonating third parties; loading Counterparty data without right; extracting, copying or reverse engineering the Platform; introducing malicious code; circumventing security or pricing controls; or reselling the service without written authorisation.

Intellectual property. The Platform, its software, trademarks, design and documentation are the property of myservy and its licensors. The Client receives a limited, non-exclusive and non-transferable licence to use Fluye for the term of the contract. The data and documents the Client loads are its own; it grants Fluye the licence needed to provide the service and for the uses in clause 5.

10. Liability and warranties

Fluye undertakes to provide the service with diligence, in accordance with these Terms and the Security Policy. Beyond that, the Platform is provided "as is" and Fluye does not warrant that it will be free of errors or interruptions, or that the Client will obtain coverage, financing or particular commercial results.

Fluye is not liable for:

• The decisions, conditions, delays or defaults of Partners, including those of banks in crediting funds.
• Defaults by the Client's Counterparties or the quality of the underlying operations.
• Losses from erroneous data loaded by the Client (in particular destination or supplier bank accounts) or from misuse of its credentials before notice to Fluye.
• Third-party failures, connectivity failures or force majeure.
• Indirect damages, loss of profit or loss of opportunity.

Fluye's total liability to the Client for any cause is limited to the amount of fees paid by the Client to Fluye in the 12 months preceding the event that gives rise to it. This limitation does not apply in the case of fraud, wilful misconduct or gross negligence by Fluye, or where the applicable law does not allow it to be limited.

The Client will hold Fluye harmless from third-party claims arising from its use of the Platform in breach of these Terms, from non-existent operations or from data loaded without right.

11. Suspension and termination

Suspension. Fluye may suspend the account in whole or in part, with notice where possible, in the event of: payment overdue by more than 15 days; well-founded suspicion of fraud, simulated operations or unlawful use; adverse verification or screening results; risk to the security of the Platform or other Clients; or a request from an authority. The suspension is lifted once the cause is resolved.

Termination by the Client. The Client may close its account at any time from the Platform or in writing. Subscriptions paid in advance are not refunded for the current period unless the proposal states otherwise.

Termination by Fluye. Fluye may terminate the contract with 30 days' notice without giving reasons, or immediately if the Client seriously or repeatedly breaches these Terms, maintains an unresolved suspension for more than 30 days or is included on sanctions lists.

Effects. On termination: outstanding fees are settled; Operations in progress are completed or funds are returned to whoever is entitled to them under the Partner bank's rules; the Client may download its Transaction history for 60 days; and Fluye keeps the data only for the legal periods set out in the Privacy Policy. Existing coverage and financing with Partners are governed by their own contracts. The clauses on liability, confidentiality, intellectual property and governing law survive termination.

12. Governing law, jurisdiction and final provisions

Law and jurisdiction. These Terms are governed by the laws and regulations of the Qatar Financial Centre and, on a supplementary basis, by the laws of the State of Qatar. Any dispute will first be resolved through direct negotiation for 30 days; failing that, the parties submit to the exclusive jurisdiction of the Qatar International Court and Dispute Resolution Centre (QICDRC), the civil and commercial court of the QFC, unless the Client's commercial proposal provides for arbitration.

Changes to the Terms. Fluye may amend these Terms. Changes are published on the website with their date and notified through the Platform or by email at least 15 days in advance when they are material. Continuing to use Fluye after that date means accepting them; a Client that does not agree may terminate the contract beforehand.

Communications. Notices to Fluye are sent to privacy@usefluye.com or to its registered office stated in clause 1; notices to the Client are sent to the account administrator's email or within the Platform, and are deemed received when sent.

Assignment. The Client may not assign this contract without written authorisation. Fluye may assign it to another company in the myservy group, including a company that takes over the operation of Fluye in Qatar, with notice to the Client.

Entire agreement and severability. These Terms, the Privacy Policy, the Security Policy and the Client's commercial proposal form the entire agreement. If a clause is found to be void, the others remain in force.

Language. These Terms are published in English and Spanish; the English version prevails.

Last updated: 2 November 2026.