MAE Dynamics Limited (Eezpays)

Terms of Use

YOU’RE ALL IN ONE PAYMENTS & LIFESTYLE PLATFORM

FOR CONSUMERS & BUSINESSES

Last updated: 08 August 2026

Governed by the laws of Ireland | GDPR & PSD2 Compliant

Company Registration No. 793158

1. About These Terms

These Terms of Use (the "Terms") govern your access to and use of the Eezpays Platform, mobile application, and all related services (collectively, the "Platform"), operated by Eezpays Limited ("Eezpays", "we", "us"), a company incorporated in Ireland under company registration number 793158.

By registering on, accessing, browsing, downloading, or using the Platform for any purpose or to avail any Eezpays service, you agree to be bound by these Terms. These Terms constitute a legally binding agreement between you and Eezpays. If you do not agree, you must stop using the Platform immediately.

If you accept and comply with these Terms, Eezpays grants you a personal, non-exclusive, non-transferable, limited, revocable licence to access and use the Platform and avail the services offered on it.

These Terms apply to the Platform in its entirety, including account registration, purchases, comparison’s activity, rewards activity, and use of any AI driven tools or features. Additional product specific terms may apply and will be presented to you at the relevant point of use. In the event of any conflict between these Terms and any product specific terms, the product specific terms shall take precedence in respect of that product or service.

2. About Eezpays and the Platform

Eezpays is an Irish headquartered super app, comparison and rewards for consumers and businesses across Ireland and Europe. The Platform combines a rewards wallet, comparison site, eSIM and SIM card purchasing, broadband service ordering, utility bill payments, mobile top ups, a rewards and loyalty programme, and merchant integrations in a single mobile application.

Eezpays is not a bank, credit institution, insurer, or regulated financial or investment adviser. The following table summarises the nature of each service available through the Platform and the party responsible for delivering the underlying product:

Nothing on the Platform constitutes financial, legal, tax, investment, or any other form of regulated professional advice. Eezpays reserves the right to change, delay, or discontinue any planned product, feature, or service at any time, with reasonable notice where practicable.

3. Eligibility

The Eezpays services are not available to persons under the age of 16 or to anyone previously suspended or removed by Eezpays from using the Platform. By using the Platform, you represent and warrant that:

a. You are at least 16 years of age and have not been previously suspended or removed by Eezpays for any reason;

b. You are resident in the Republic of Ireland or another jurisdiction in which use of the Platform is lawful;

c. You have the full legal right, authority, and capacity to enter into this Agreement and to abide by all these Terms;

d. Any information you provide (including your name, email address, and payment details) is accurate, current, and belongs to you;

e. You are not subject to any legal restriction, sanction, or prohibition that would prevent you from using the Platform or any of its services; and

f. You are not impersonating any person or entity or misrepresenting your identity, age, or affiliation with any person or entity.

Eezpays reserves the right to refuse registration, suspend, or permanently terminate any account that does not meet these eligibility criteria, without notice or liability.

4. Account Registration, KYC, and Security

Registration

To access the full features of the Platform, you must register for an account. When registering, you agree to provide accurate, complete, and up to date information and to promptly update this information if it changes. If you provide any information that is untrue, inaccurate, or incomplete, Eezpays has the right to suspend or terminate your account and refuse any current or future use of the Platform.

Know Your Customer (KYC) verification

As a regulated payment facilitator, Eezpays is required by Irish and EU anti money laundering (AML) legislation to verify the identity of its users before enabling certain features, including payments, wallet funding above specified thresholds, and participation in the rewards programme. You agree to:

• Provide valid identity documentation as requested by Eezpays from time to time, which may include government issued photo ID, proof of address, and other documentation required under applicable KYC rules;

• Promptly update your KYC information if it changes or if Eezpays requests updated documentation;

• Cooperate fully in any investigation or identity verification process conducted by Eezpays or required by a regulatory authority.

Eezpays reserves the right to restrict, suspend, or terminate your account if KYC documentation is not provided within required timelines, if the authenticity of documents is in doubt, or if Eezpays has reasonable grounds to suspect that your account is being used for unlawful purposes.

Account Security

You are responsible for:

• Maintaining the strict confidentiality of your login credentials, PIN, password, and any authentication codes;

• All activity that occurs under your account, whether or not authorised by you;

• Notifying us immediately at contact@eezpays.ie if you suspect any unauthorised use of your account, any compromise of your credentials, or any security breach.

You may not share your account with any other person or use another person's account. Eezpays will not be liable for any loss arising from your failure to keep your credentials secure. Eezpays may suspend or terminate your account if we have reasonable grounds to believe it has been compromised or is being misused.

If your registered mobile phone number or email address is transferred, surrendered, or deactivated for any reason, it is your responsibility to contact Eezpays and have your records updated before the number or address is transferred. Eezpays shall not be liable for any misuse of your account arising from failure to update such details.

5. Payment Services and Digital Wallet

Payment facilitation

Eezpays facilitates payments between you and merchants or third party service providers through our digital wallet and payments rails. By initiating a payment through the Platform, you authorise Eezpays to process the relevant transaction on your behalf. All payment instructions submitted by you through the Platform are binding and cannot be cancelled once executed, unless expressly provided for in these Terms or applicable law.

Wallet funding and limits

You may fund your Eezpays digital wallet using payment methods available on the Platform. Eezpays may prescribe maximum individual and cumulative wallet balance and transaction limits from time to time, in accordance with regulatory requirements and our risk management policies. Eezpays reserves the right to refuse to process any transaction that exceeds such limits.

All payments are subject to: sufficient funds or credit being available in your linked payment method or Eezpays wallet; successful authorisation by your payment card issuer or bank; and compliance with all applicable regulatory requirements.

Transaction finality

Upon Eezpays confirming the execution of a transaction, the order or instruction shall be binding on you and cannot be cancelled unless a specific cancellation right exists under these Terms, applicable product terms, or Irish consumer protection law. You should check the details of each transaction carefully before authorising it.

Transaction errors and discrepancies

You shall inform Eezpays immediately, and in any case no later than 30 days of the transaction date, of any irregularities or discrepancies in your account or transaction history, failing which it shall be deemed that there is no error in your account. All electronic records maintained by Eezpays of your instructions and transactions shall, as against you, constitute conclusive evidence of such instructions.

In the event of a pricing error, system error, or technical issue resulting in a transaction being processed at an incorrect amount, Eezpays reserves the right to recover any shortfall or reverse the transaction, and will notify you accordingly. Any overpayment received will be refunded to your original payment method.

Fees and charges

Eezpays may charge fees in connection with the use Platform services, as set out in the table below. All fees are inclusive of VAT where applicable. Eezpays will provide reasonable prior notice before introducing or amending any fee.

Fees are displayed at the point of transaction and are incorporated into these Terms by reference. Your continued use of the Platform after any fee change is posted constitutes acceptance of the updated fees.

6. Right of Withdrawal and Cooling-Off Period

Under the Consumer Rights Act 2022 (implementing EU Directive 2011/83/EU on Consumer Rights), you have the right to withdraw from a contract for digital services without giving any reason within 14 calendar days of concluding that contract (the "Cooling Off Period").

Where the right of withdrawal applies

The 14day right of withdrawal applies to digital services contracts concluded on the Platform, including wallet account activation and subscription type features, where no physical goods are delivered and no specific exemption under Irish or EU consumer law applies.

Waiver of the right of withdrawal for immediate performance

For certain digital services where you request that performance begins immediately (for example, an eSIM activation, a mobile top up, or a utility bill payment processed in real time), you acknowledge and expressly agree, by completing the transaction, that:

• You request immediate performance of the digital service before the expiry of the 14 day Cooling Off Period; and

• You acknowledge that you will lose your right of withdrawal once the service has been fully performed.

Where this waiver applies, it will be presented to you clearly at the point of purchase and must be actively confirmed before the transaction is processed. Eezpays will not process the transaction without your explicit confirmation.

How to exercise the right of withdrawal

If you wish to withdraw from a contract during the Cooling off Period (where that right has not been waived), you must notify us by:

• contact@eezpays.ie - quoting your account email and the transaction or service reference; or

• Writing to us at the registered address in Section 27.

We will acknowledge your withdrawal request within 48 hours. Where a refund is due, it will be processed to your original payment method within 14 calendar days of receipt of your withdrawal notice.

Exemptions

The right of withdrawal does not apply to: (a) contracts for goods or services whose price is dependent on fluctuations in the financial market; (b) digital content not supplied on a tangible medium that has begun to be provided with your prior express consent and acknowledgement that you thereby lose your right of withdrawal; or (c) any other category exempted under the Consumer Rights Act 2022 or applicable EU law.

7. Third-Party Purchases (eSIM, SIM, Broadband, Merchants)

When you purchase an eSIM, SIM card, broadband service, utility product, or any other product from a third-party provider or Eezpays through the Platform, the contract for that product or service is formed directly between you and the relevant third-party provider or Eezpays. For a third party provider Eezpays acts as the technology intermediary facilitating the transaction and is not a party to that contract.

The third party provider's own terms and conditions, service commitments, cancellation policy, and refund policy will apply to your purchase. We will display or link to these at the point of purchase. You should read them carefully before completing any order.

Eezpays is not a warrantor, insurer, or guarantor of the products or services offered by any third party provider. Any disputes regarding the quality, availability, pricing, or other terms of a third-party product must be handled directly between you and the relevant provider. Eezpays will use reasonable endeavours to assist with any refund or dispute resolution process but cannot guarantee outcomes where the obligation rests with the third-party provider.

Eezpays does not control or prevent changes in the published details or descriptions of third party products and is not responsible for any content, quality, safety, or legality of such products. Comparison results displayed on the Platform may not reflect all products or tariffs available on the market, unpublished pricing, or terms specific to your individual circumstances. You should verify key details directly with the provider before completing any purchase.

8. Rewards Programme

Eezpays operates a points based rewards and loyalty programme (the "Rewards Programme"). By participating, you agree to these Terms and the Rewards Terms available on the Platform, which are incorporated into these Terms by reference.

Key conditions of the Rewards Programme:

• Reward Points are earned on eligible transactions at rates published on the Platform from time to time. Eezpays may, at its discretion, prescribe maximum individual and cumulative limits for point accrual.

• Reward Points can be converted to monetary or cash value, are transferable within the same eco system, and cannot transferred outside the eco system, or sold to any third party.

• Reward Points may be redeemed against eligible future purchases on the Platform, subject to the Rewards Terms and any minimum redemption thresholds published on the Platform.

• Eezpays reserves the right to modify, suspend, or terminate the Rewards Programme, adjust point earn or redemption rates, change eligible transactions, or modify available redemption options at any time, with reasonable notice where practicable.

• Reward Points will expire in accordance with the expiry rules set out in the Rewards Terms. Points forfeited due to expiry or account termination will not be reinstated. You should regularly review your point balance and expiry dates on the Platform.

• Any abuse of the Rewards Programme, including fraudulent transactions, manipulation of point accrual, chargebacks used to obtain points without payment, or any other breach of these Terms, may result in immediate forfeiture of all accrued points, recovery of improperly obtained value, and termination of your account. Eezpays reserves the right to refer any suspected fraudulent rewards abuse to appropriate law enforcement authorities.

• Customer feedback pertaining to the Rewards Programme shall be deemed non confidential and non-compensatory. Eezpays reserves the right to use such feedback for internal improvement purposes.

9. Communications and Notifications

By accepting these Terms, you agree to the following:

• Eezpays may send alerts, notifications, and communications to the mobile phone number, email address, and in app notification channel registered on your account. Notifications may be delivered via SMS, email, or push notification. You are responsible for ensuring your contact details are current and accurate.

• Eezpays will make best efforts to deliver notifications promptly. However, the delivery of SMS, email, and push notifications depends on factors outside Eezpays' control, including network availability, device settings, and third-party service providers. Eezpays shall not be liable for any non-delivery, delayed delivery, or distortion of any notification.

• Transactional communications (payment confirmations, security alerts, account updates, and service notifications) will be sent as necessary to fulfil our obligations to you under these Terms. You may not opt out of transactional communications while your account is active.

• Where you have provided consent, Eezpays may contact you with promotional offers, deals, and marketing communications. You may withdraw this consent at any time using the unsubscribe mechanism in any marketing email or by updating your communication preferences in the Platform settings.

• You will indemnify and hold harmless Eezpays and its communications service providers from any claims or damages arising from: incorrect contact details provided by you; misuse by you; or fraud arising from your account details.

Eezpays may provide notices under these Terms by email, SMS, push notification, or by posting a notice on the Platform. Notices to Eezpays must be sent by email to contact@eezpays.ie, or by post to Eezpays' registered office address.

10. AML, Financial Crime and Regulatory Compliance

As a regulated payment facilitator, Eezpays is subject to obligations under the Criminal Justice (Money Laundering and Terrorist Financing) Act 2010 (as amended), applicable EU AML Directives, and other Irish and EU financial services regulations.

You agree that:

• You will not use the Platform to conduct, facilitate, or conceal any money laundering, terrorist financing, fraud, tax evasion, or any other financial crime.

• You will not use the Platform to process funds that are derived from or connected with any unlawful activity.

• Eezpays may, where required by law or where it has reasonable grounds for suspicion, freeze, block, or report transactions to the relevant authorities, including the Financial Intelligence Unit (FIU) of An Garda Síochána or other competent regulatory bodies, without prior notice to you.

• Eezpays may carry out enhanced due diligence checks, request additional documentation, or restrict services at any time where it has concerns about potential financial crime or where required by regulatory guidance.

• You are solely responsible for complying with all applicable laws in respect of your use of the Platform, including applicable AML, tax reporting, and financial sanctions obligations.

Any suspected fraudulent, abusive, or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other rights Eezpays may have at law or in equity.

11. Acceptable Use and Prohibited Conduct

You agree to use the Platform only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the Platform. You must not:

• Violate these Terms, any product specific terms, or any applicable Irish, EU, or international law or regulation;

• Attempt to gain unauthorised access to any part of the Platform, other users' accounts, its servers, or associated databases;

• Impersonate any person or entity, falsely claim an affiliation, or misrepresent your identity, age, or authority;

• Submit false, misleading, or fraudulent information during registration or in any transaction;

• Refuse to cooperate in an investigation or provide confirmation of your identity or any information you have provided to Eezpays;

• Use automated tools, bots, scrapers, crawlers, or data mining software to access, extract, or harvest data from the Platform without our prior written consent;

• Interfere with or disrupt the Platform's infrastructure, take any action that imposes an unreasonable or disproportionately large load on our systems, or attempt to introduce viruses, Trojans, or other malicious code;

• Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of any part of the Platform, except to the extent expressly permitted by applicable law;

• Circumvent, disable, or otherwise interfere with any security, fraud prevention, or access control features of the Platform;

• Use the Platform to conduct or facilitate any money laundering, fraudulent payment, financial crime, or any activity that violates applicable AML or payment regulations;

• Exploit or abuse the Rewards Programme, including any attempt to manipulate point accrual, process fraudulent transactions, or use chargebacks to obtain rewards without legitimate payment;

• Use the Platform in a manner that results in, or may result in, complaints, disputes, reversals, chargebacks, fines, or other liability to Eezpays, a third party, or you;

• Sell, license, or otherwise exploit any information, software, or service associated with or derived from the Platform without our prior written authorisation.

Eezpays reserves the right to block, suspend, or permanently terminate access to the Platform for any person who violates these Terms or who we reasonably believe is misusing the Platform, without prior notice or liability.

12. Intellectual Property Rights

All Content on the Platform, including but not limited to text, graphics, logos, icons, images, design, page layout, code, software, data, and the selection and arrangement thereof, is owned by or licensed to Eezpays (MAE Dynamics Limited) and is protected by Irish and international intellectual property laws, including copyright, trademark, and design rights.

The Eezpays name, logo, and associated marks are trademarks of MAE Dynamics Limited. You may not use them without our express prior written permission.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial purposes only. You may not:

• Copy, reproduce, republish, modify, or distribute any Content without our prior written consent;

• Create derivative works based on the Platform's Content, design, or code;

• Reverse engineer, decompile, or disassemble any part of the Platform;

• Frame or mirror the Platform on any other website or application without our prior written consent;

• Remove, obscure, or alter any copyright, trademark, or other proprietary rights notices on the Platform.

If you submit any ideas, suggestions, or feedback to Eezpays regarding the Platform or services, you hereby irrevocably assign to Eezpays all rights, title, and interests in those ideas and suggestions and any associated intellectual property rights worldwide. Nothing in these Terms transfers any Intellectual Property Rights to you.

13. Third Party Links and Services

The Platform may contain links to or integrations with third party websites, applications, or services. These are provided for convenience only. We have no control over, and accept no responsibility for, the content, privacy practices, terms, or reliability of any third party website or service. The inclusion of a third party link or integration does not constitute an endorsement by Eezpays.

Where you purchase a product from a third party provider through the Platform, your relationship with that provider is governed by their own terms and conditions. Eezpays is not liable for any act, omission, delay, or failure of a third party provider.

14. Termination and Suspension

Eezpays may, in its sole discretion, for any or no reason and without penalty, suspend or terminate your account (or any part thereof) or your use of the Platform at any time, including without prior notice, and remove all or any part of your account data from the Platform. Eezpays may also discontinue access to any service, or any part thereof, with or without notice.

Circumstances in which Eezpays may suspend or terminate your account include, but are not limited to:

• Breach of these Terms or any product-specific terms;

• Failure to complete required KYC verification within required timelines;

• Suspected fraudulent, abusive, or illegal activity;

• Instructions received from a regulatory authority or law enforcement body;

• Inactivity for an extended period, as notified on the Platform from time to time.

You may also terminate your account at any time by following the account closure process on the Platform. Upon termination, you agree to immediately stop using the Platform and all related services. Any accrued and unexpired Reward Points will be forfeited upon account termination.

Eezpays will not be liable to you or any third party for any termination or interruption of your account or access to the Platform. These remedies are in addition to any other rights Eezpays may have at law or in equity.

15. Disclaimers and Information Accuracy

The Platform contains general information about Eezpays, its services, and the Irish and European connectivity, payments, and fintech markets. This information is provided for general informational purposes only and does not constitute regulated professional advice.

To the fullest extent permitted by law, we make no warranties, representations, or guarantees, express or implied, about the accuracy, completeness, reliability, or fitness for purpose of any Content on the Platform, including but not limited to any comparison results, AI-generated recommendations, or third party product information.

The Platform is provided "as is" and "as available". We do not guarantee uninterrupted, error free, or secure access to the Platform at all times. The clarity, accuracy, and promptness of any notification or communication may be affected by factors including infrastructure and connectivity of service providers, for which Eezpays shall not be responsible.

16. Limitation of Liability

Nothing in these Terms limits or excludes our liability for:

• Death or personal injury caused by our negligence;

• Fraud or fraudulent misrepresentation;

• Any liability that cannot be excluded or limited under Irish or EU law, including your statutory rights under the Consumer Rights Act 2022 and the European Union (Payment Services) Regulations 2018.

Subject to the above, and to the fullest extent permitted by applicable law:

• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, business, goodwill, or reward points, arising from your use of or inability to use the Platform;

• We shall not be liable for any loss or damage arising from your reliance on any Content, AI Assistant output, or product comparison result displayed on the Platform;

• We shall not be liable for any act, omission, delay, or failure of any third party provider, including eSIM suppliers, broadband operators, or merchant partners;

• We shall not be liable for any loss arising from circumstances beyond our reasonable control, including unauthorised access to or alteration of your transmissions or data, statements or conduct of any third party on or through the service, or failure of network or communications infrastructure;

• We shall not be liable for any loss arising from the non-delivery, delayed delivery, or distortion of any alert, SMS, email, or push notification.

You acknowledge that Eezpays has offered its products and services and entered into this Agreement in reliance upon the warranty disclaimers and limitations of liability set forth herein, which reflect a reasonable and fair allocation of risk between you and Eezpays. If you are dissatisfied with the Platform or any aspect of it, your sole remedy is to stop using the Platform and, where applicable, to close your account.

17. Indemnity

To the extent permitted by applicable law, you agree to indemnify and hold harmless Eezpays Limited, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:

• Your breach of these Terms or any applicable law;

• Your misuse of the Platform or any of its features;

• Your misuse or fraudulent use of the Rewards Programme or any payment feature;

• Any incorrect, inaccurate, or misleading information provided by you;

• Any violation of the rights of any third party; or

• Any AML, regulatory, or financial crime violation arising from your use of the Platform.

18. Changes to the Platform and These Terms

Eezpays may update these Terms from time to time to reflect changes to our services, business practices, or applicable law. We will update the "Last updated" date at the top of this document when we do so. For certain changes, applicable law (including PSD2) may require us to give you advance notice; Eezpays will comply with all such requirements.

In the event of a material change to these Terms or our rewards services, we will endeavour to notify affected users by email or by displaying a prominent notice on the Platform at least 30 days before the change takes effect. Continued use of the Platform after changes are posted constitutes acceptance of the updated Terms. If you do not agree to update Terms, you must stop using the Platform and close your account.

19. Dispute Resolution

We encourage you to contact us first at contact@eezpays.ie if you have any concern, complaint, or dispute about the Platform or any service, and we will make every effort to resolve the matter promptly and fairly.

If any dispute, controversy, or claim arises under these Terms or in relation to any Eezpays service or the Platform, including any question regarding the existence, validity, or termination of these Terms, the parties shall use all reasonable endeavours to resolve such dispute amicably within 30 days of the notice of such dispute.

If the dispute cannot be resolved amicably, you have the right to refer the matter to the Financial Services and Pensions Ombudsman (FSPO) of Ireland for disputes relating to payment services, or to other applicable alternative dispute resolution bodies, where eligible. The FSPO can be contacted at:

Nothing in this section prevents either party from seeking interim or preliminary relief from a court of competent jurisdiction to protect their rights or property pending resolution of a dispute.

20. Waiver

The failure of Eezpays to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if made in writing and signed by a duly authorised officer of Eezpays.

21. Severability

If any provision of these Terms is found by a court or competent authority to be invalid, unlawful, or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, it shall be severed, and the remaining provisions shall continue in full force and effect.

22. Force Majeure

Eezpays shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemic, governmental or regulatory actions, payment system outages, financial market disruptions, power failures, internet or telecommunications failures, cyberattacks, hacking events, inducement of any virus or other disruptive mechanisms, or industrial disputes.

23. Assignment

You may not assign, transfer, or sub licence any of your rights or obligations under these Terms without our prior written consent. Eezpays may assign its rights and obligations under these Terms to a third party (for example, in connection with a merger, acquisition, restructuring, or sale of assets), provided that such assignment does not reduce the protections afforded to you under these Terms.

24. No Partnership or Agency

Nothing in these Terms creates or is intended to create any partnership, joint venture, agency, franchise, or employment relationship between you and Eezpays, or between Eezpays and any third party provider. Neither party has authority to bind the other in any way.

25. Survival

Nothing in these Terms creates or is intended to create any partnership, joint venture, agency, franchise, or employment relationship between you and Eezpays, or between Eezpays and any third party provider. Neither party has authority to bind the other in any way.

26. Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy, and Rewards Terms (where applicable), constitute the entire agreement between you and Eezpays in relation to your use of the Platform. They supersede all previous agreements, understandings, and arrangements between us, whether written or oral.

27. How to Contact Us

For any questions about these Terms, to exercise any of your rights, or to report a concern, you can reach us at:

28. Governing Law and Jurisdiction

These Terms and any dispute or claim arising in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Ireland. The courts of Ireland shall have non-exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms. Nothing in these Terms shall deprive you of any mandatory consumer protection rights available to you under the laws of your country of residence within the European Economic Area, or under PSD2 and applicable EU financial services law.

29. Appendix - Definitions