BiyaPay Savings Agreement

General Provisions

Welcome to BiyaPay Savings Services. This Agreement is a legal agreement between you (hereinafter referred to as “User”) and the BiyaPay platform (hereinafter referred to as “Platform” or “We”) regarding savings services. Before using BiyaPay Savings Services, please read and fully understand all contents of this Agreement.

By clicking to agree, accepting this Agreement, or actually using this service, you acknowledge that you have fully read, understood, and accepted all contents of this Agreement, and this Agreement shall take legal effect between you and the Platform.

I. Definitions and Interpretations

1.1 Basic Definitions

1.1.1 Savings Services
Refers to digital asset savings and value-added services provided by the Platform to users, including but not limited to flexible savings, margin savings, interest rate coupon services, auto-subscribe, auto-margin replenishment, multi-account auto-scheduling, and other functions.

1.1.2 Savings Products
Refers to various types of digital asset savings products provided by the Platform, including flexible savings products, fixed-term savings products, and other types of savings products.

1.1.3 Savings Account
Refers to a dedicated account opened by the user on the Platform for savings services, used to record the user’s savings assets, earnings, and other information.

1.1.4 Margin Account / Futures Account
Refers to an account opened by the user on the Platform for futures trading, used to store futures trading margin.

1.1.5 Funding Account
Refers to the user’s general funding account on the Platform, used for daily fund management.

1.2 Professional Terms

1.2.1 T+0 / T+1

• T+0: Redemption on the same day, funds arrive on the same day
• T+1: Operations on the same day, interest accrual or fund arrival starts from the next day

1.2.2 Annual Percentage Yield (APY)
Refers to the yield rate of savings products calculated on an annual basis, with actual earnings calculated based on actual holding days.

1.2.3 Subscription and Redemption

• Subscription: The act of users purchasing savings products
• Redemption: The act of users withdrawing principal and earnings from savings products

1.2.4 Interest Accrual Period
The period during which savings products calculate earnings. Different products have different interest accrual periods.

II. Service Content

2.1 Flexible Savings

2.1.1 Product Features

• Supports T+0 instant redemption with flexible funds
• Uses tiered interest rate mechanism, with different APY for different amount ranges
• T+1 interest accrual starts from subscription, instant redemption but loses current interest accrual period earnings
• Unified interest calculation, settlement, and distribution daily at UTC 00:00 (08:00 Beijing Time)

2.1.2 Tiered Interest Rate Rules

• The Platform may set a single interest rate or two-tier interest rates
• Two-tier mode: First tier (0-set upper limit) enjoys higher interest rate, excess portion enjoys lower interest rate
• Your comprehensive APY is automatically calculated based on investment amount
• After adding or partial redemption, remaining amount is recalculated with new tiered interest rates based on new amount

2.1.3 Interest Accrual Time Rules

• No interest accrual on subscription day, interest accrual starts from UTC 00:00 the next day
• Previous day’s earnings are settled and automatically distributed daily at UTC 00:00
• Redemption arrives instantly (T+0), but loses earnings from UTC 00:00 to redemption time
• It is recommended to redeem immediately after UTC 00:00 daily to reduce earnings loss

2.1.4 Risk Control

• Single user daily subscription limit: Default 1 million USDT, adjustable based on user level
• Single user position limit: Default 100 million USDT
• Large redemption monitoring: Single redemption ≥100,000 USDT will be recorded by the system
• Frequent redemption restrictions: Second large redemption within half an hour requires contacting customer service

2.2 Interest Rate Coupon Value-Added Service

2.2.1 Coupon Mechanism

• Interest rate coupons must be used when subscribing to savings products and cannot be activated separately
• Each coupon only applies to the investment made when it was used, and does not affect other investments
• Interest rate coupons take effect on T+1, actual interest boost days = validity period - 1 day
• Only one coupon can be active for the same savings product at the same time

2.2.2 Time Concepts

• Coupon validity period: Time from issuance to when it must be used (e.g., must be used within 30 days)
• Coupon validity period: Days of interest boost for that investment after use (e.g., 7 days of interest boost for that investment)
• Actual interest boost days: Validity period - 1 day (due to T+1 interest accrual mechanism)

2.2.3 Usage Rules

• One-time use: Each coupon can only be used once
• Product exclusivity: Only one coupon can be active for the same product at a time, new coupons can only be used after the current validity period ends
• Single investment interest boost: Coupons only provide interest boost for the investment made when used during the validity period
• Non-stackable: Multiple coupons cannot be used simultaneously for a single subscription
• Validity period limit: Must be used within the validity period, otherwise expires and becomes invalid
• Coupon limits: If a coupon has a limit set, the portion exceeding the limit does not enjoy interest boost

2.2.4 Coupon Distribution Risk Control

• KYC verification not required when claiming, but required when using
• Single IP + single device limited to 1 claim per day
• IP claiming ≥3 times within 24 hours triggers warning, ≥5 times restricts for 24 hours, ≥10 times within 7 days added to blacklist
• Maximum 3 accounts associated with a single device

2.3 Margin Savings

2.3.1 Product Features

• Margin earns interest in place without transferring funds
• Interest calculated by the minute, settled and earnings distributed every 15 minutes
• Interest accrual automatically starts when user opens a position (requires global switch enabled)
• Interest accrual automatically stops when position is closed, earned interest is retained

2.3.2 Global Switch Design

• User controls whether margin from all futures positions participates in savings through one global switch
• When enabled: All position margins automatically participate in savings interest accrual
• When disabled: All position margins stop participating in savings, earned interest is retained
• Default recommended state is enabled

2.3.3 Interest Accrual Rules

• Earnings calculated once per minute (visible in real-time)
• Interest settlement and earnings distribution to futures account executed every 15 minutes
• Calculated precisely based on actual position amount and duration
• When margin changes within a period, calculated using time-weighted average position

2.3.4 Liquidation Risk Linkage

• Margin ratio <150%: Warning notification sent
• Margin ratio <130%: Margin savings switch automatically disabled, interest accrual stops
• After margin ratio recovers >200%, user can manually re-enable

2.4 Auto-Subscribe Function

2.4.1 Function Mechanism

• Immediate detection when enabled: System immediately detects balance and executes first subscription when user enables the function
• Daily scheduled detection: Automatically detects balance daily at UTC 01:00 (09:00 Beijing Time)
• Timing design: Scheduled detection executes 1 hour after savings interest settlement and distribution (UTC 00:00), ensuring earnings have arrived

2.4.2 Auto-Compounding

• Auto-subscribe function includes built-in auto-compounding mechanism
• Detects cumulative earnings daily at UTC 01:00
• Automatically reinvests when subscription threshold is reached, maximizing compounding effect

2.4.3 Multiple Entry Points

• Auto-subscribe function page: Dedicated function management page
• Product subscription page: Can directly enable auto-subscribe for that currency when subscribing to savings products

2.4.4 Independent Management by Currency

• USDT, BTC, ETH and other currencies configured independently without affecting each other
• Users can only control the switch, all parameters (subscription threshold, reserve ratio) are uniformly configured by the Platform
• Switch status synchronized in real-time across all pages

2.4.5 Limitations

• Single subscription upper limit: Default 100,000 USDT
• Daily subscription frequency limit: Configured by currency
• Number of currencies user can enable: Default 10

2.5 Auto-Margin Replenishment

2.5.1 Function Principle

• User pre-sets replenishment rules and limits
• System strictly monitors and executes according to user-configured rules
• Uses three-stage process: “Freeze savings funds → Real-time platform advance replenishment → Asynchronous redemption settlement”

2.5.2 User Configurable Items

• Trigger conditions: Margin ratio threshold (alert line that triggers replenishment)
• Replenishment amount control: Single limit, daily limit, replenishment target ratio
• Replenishment frequency control: Daily replenishment frequency limit
• Anti-oscillation settings: Replenishment interval, protection range
• Currency rules: Whether to support cross-currency replenishment, allowed replenishment currencies
• Fund protection: Minimum retained savings amount, stop replenishment threshold before liquidation

2.5.3 Execution Process

• Stage 1: Freeze savings funds (<100ms)
• Stage 2: Platform real-time advance replenishment (<200ms), margin ratio immediately recovers
• Stage 3: Asynchronous redemption settlement (<30 seconds), return platform advance funds

2.5.4 One-Way Principle

• Funds replenished into margin account will not return to savings account
• Whether replenished funds participate in margin savings is determined by your margin savings global switch

2.5.5 Liquidation Scenario Handling

• If liquidation risk detected before replenishment (below set threshold): Immediately stop replenishment to protect funds
• If liquidation triggered after funds frozen but before platform advance: Immediately stop and release freeze
• If liquidation triggered after platform advance: Continue to complete redemption settlement process

2.5.6 Risk Control

• Platform advance fund pool total limit: 5 million USDT
• Single user advance limit: 100,000 USDT
• Advance fund usage rate >80% triggers warning, >90% suspends new replenishments

2.6 Multi-Account Auto-Scheduling

2.6.1 Function Principle

• When funds are insufficient for trading, system automatically calls funds from other accounts
• Calls in fixed priority order: Trading account → Funding account → Savings account
• Only calls funds for the currency needed for trading (USD/USDT treated as same currency)

2.6.2 Account Configuration

• Trading account: Always participates in deduction, cannot be disabled
• Funding account: User can choose to enable/disable (default enabled)
• Savings account: User can choose to enable/disable (default enabled)

2.6.3 Scheduling Process

• Priority deduction from trading account balance
• If insufficient, automatically transfer from funding account (one-step transfer)
• If still insufficient, automatically redeem savings and transfer (redemption + double transfer)

2.6.4 Risk Control

• Single savings call limit: Not exceeding 50% of total savings for that currency
• Call frequency limit: Maximum 10 times per hour per user
• Automatic rollback if savings redemption fails

III. User Rights and Obligations

3.1 User Rights

3.1.1 Right to Information
You have the right to know all information about savings products, including yield rate, term, risk level, fee standards, etc.

3.1.2 Fund Control Rights

• You have the right to subscribe or redeem savings products at any time (within product rules)
• You have the right to enable or disable automated functions at any time
• You have the right to independently configure all parameters for auto-margin replenishment
• You have the right to control account switches for multi-account scheduling

3.1.3 Right to Earnings
You have the right to obtain savings earnings according to product rules, and the Platform will distribute earnings on time and in full.

3.1.4 Right to Data Query
You have the right to query all data including savings assets, earnings details, operation history, etc.

3.1.5 Right to Privacy Protection
Your personal information and transaction data are strictly protected, and the Platform will not disclose them to third parties.

3.2 User Obligations

3.2.1 Identity Verification Obligation

• You must complete KYC identity verification to use savings services
• You should ensure that the identity information provided is true, accurate, and complete
• Identity information should be updated promptly when changed

3.2.2 Account Security Obligation

• You should properly keep account passwords, trading passwords, and other security information
• Do not lend or transfer accounts to others
• Immediately notify the Platform if account abnormalities are discovered

3.2.3 Compliance Obligation

• You should comply with all Platform rules and restrictions
• Do not use savings services for illegal activities such as money laundering or fraud
• Do not maliciously obtain earnings or coupons through technical means
• Do not frequently perform abnormal operations that affect system stability

3.2.4 Risk Bearing Obligation

• You should fully understand the risks of digital asset savings
• You should choose savings products based on your own risk tolerance
• You should take responsibility for your own investment decisions

3.2.5 Information Accuracy Obligation

• When configuring auto-margin replenishment and other functions, you should ensure parameters are reasonable
• You should pay timely attention to account status to avoid losses due to improper configuration

IV. Platform Rights and Obligations

4.1 Platform Rights

4.1.1 Rule-Making Right
The Platform has the right to formulate and adjust savings product rules, yield rates, limits, and other parameters according to market conditions and operational needs.

4.1.2 Risk Control Right

• The Platform has the right to implement necessary risk control measures, including but not limited to:
  • Setting subscription and redemption limits
  • Restricting operations of abnormal accounts
  • Suspending or terminating services for abnormal users
  • Suspending subscriptions during extreme market volatility

4.1.3 System Maintenance Right
The Platform has the right to conduct regular or irregular system maintenance and upgrades, which may affect service usage during maintenance periods.

4.1.4 Information Collection Right
The Platform has the right to collect your operation behavior data for legitimate purposes such as risk control and service optimization.

4.1.5 Service Termination Right
For users who violate this Agreement or relevant laws and regulations, the Platform has the right to suspend or terminate their savings services.

4.2 Platform Obligations

4.2.1 Information Disclosure Obligation

• The Platform should clearly disclose key information about savings products, including yield rate, term, risk level, etc.
• Product rule changes should be notified to users in advance
• Earnings calculation methods should be transparent and public

4.2.2 Fund Security Obligation

• The Platform should adopt bank-level security measures to protect user funds
• User funds are managed separately from Platform’s own funds
• Establish comprehensive risk control systems and emergency mechanisms

4.2.3 Earnings Distribution Obligation
The Platform should distribute savings earnings on time and in full according to product rules, and shall not delay or refuse without reason.

4.2.4 System Stability Obligation

• The Platform should ensure stable system operation with availability ≥99.9%
• Automated functions should accurately execute user-set rules
• System failures should be repaired promptly and users notified

4.2.5 User Service Obligation

• The Platform should provide 7×24 hour customer service
• Handle user inquiries and complaints promptly
• Answer user questions about savings services

4.2.6 Data Protection Obligation
The Platform should protect user data security and prevent data leakage, tampering, or loss.

V. Risk Warnings

5.1 Market Risks

5.1.1 Earnings Volatility Risk

• Savings product yield rates may be adjusted according to market conditions
• Historical earnings do not represent future earnings
• Promoted yield rates represent maximum possible earnings, actual earnings may be lower than promoted values

5.1.2 Digital Asset Price Volatility Risk

• Digital asset prices fluctuate dramatically and may affect savings product values
• In margin savings, margin value fluctuations may lead to liquidation risk
• Extreme market volatility may cause the Platform to suspend services

5.2 Liquidity Risks

5.2.1 Redemption Restriction Risk

• Although flexible savings supports T+0 redemption, redemption on the same day loses current period earnings
• The Platform may suspend redemption under extreme circumstances
• Large redemptions may require customer service review

5.2.2 Fund Call Failure Risk

• Savings redemption in multi-account scheduling may fail due to system abnormalities
• Insufficient savings funds in auto-margin replenishment may prevent completion of replenishment
• After savings funds are called, your savings position and earnings will decrease accordingly

5.3 Operational Risks

5.3.1 Improper Configuration Risk

• Improper auto-margin replenishment configuration may lead to excessive use of savings funds
• Enabling multi-account scheduling may cause savings funds to be unexpectedly called
• Auto-subscribe may automatically invest when you don’t need it

5.3.2 Time Understanding Deviation Risk

• T+1 interest accrual means no earnings are generated on the subscription day
• Redemption loses current period earnings, specific loss amount depends on redemption time
• Interest rate coupons take effect on T+1, actual interest boost days are 1 day less than validity period

5.3.3 System Operation Risk

• Automated functions strictly execute according to rules, users should understand rules to avoid misoperations
• Network failures may cause operation failures
• Services may be unavailable during system maintenance

5.4 Margin Savings Specific Risks

5.4.1 Liquidation Risk

• After margin participates in savings, market volatility may cause insufficient margin
• System automatically disables margin savings when margin ratio <130%
• When liquidation occurs, margin is used for settlement and savings earnings terminate

5.4.2 Earnings Interruption Risk

• Closing position immediately stops interest accrual, earnings for periods less than 15 minutes may be minimal
• Frequent opening and closing positions affects earnings accumulation

5.5 Auto-Margin Replenishment Specific Risks

5.5.1 Savings Fund Consumption Risk

• Triggering replenishment will redeem savings funds, reducing savings earnings
• Severe market volatility may frequently trigger replenishment, quickly consuming savings funds
• Replenished funds will not return to savings account

5.5.2 Stop Before Liquidation Risk

• Setting stop replenishment threshold before liquidation can protect funds but may lead to liquidation
• Not setting stop threshold may waste funds when approaching liquidation

5.5.3 Insufficient Limit Risk

• Replenishment will stop after reaching daily replenishment frequency or amount limits
• Insufficient savings funds cannot complete replenishment
• Insufficient Platform advance fund pool may suspend replenishment services

5.6 Interest Rate Coupon Specific Risks

5.6.1 Usage Restriction Risk

• Interest rate coupons must be used within validity period, automatically expire if expired
• Only one coupon can be active for the same product at a time, new coupons cannot be used during active period
• Interest rate coupons only apply to the investment made when used, do not affect other investments

5.6.2 Earnings Loss Risk

• Quick redemption after subscribing with coupon, interest boost earnings not fully accumulated before loss
• Investment returns to base interest rate after coupon validity period ends

5.7 Technical Risks

• System failures may cause service interruption
• Network attacks may threaten fund security
• Data loss may affect account queries

You should fully understand and acknowledge the above risks, and use savings services within your risk tolerance.

VI. Fee Description

6.1 Savings Service Fees

6.1.1 Subscription Fees

• Savings product subscription: Free
• Interest rate coupon usage: Free

6.1.2 Holding Fees

• During savings product holding period: Free
• No management fees, custody fees, or other fees charged

6.1.3 Redemption Fees

• Flexible savings T+0 redemption: Free (but loses current period earnings)
• Fixed-term savings maturity redemption: Free
• Early redemption fees: Executed according to product rules

6.1.4 Automated Function Fees

• Auto-subscribe: Free
• Auto-margin replenishment: Free (Platform advance funds do not charge interest)
• Multi-account scheduling: Free

6.2 Fund Transfer Fees

6.2.1 Internal Transfers

• Savings account → Funding account: Free
• Funding account → Trading account: Free
• Multi-account auto-scheduling: Free

6.2.2 Withdrawal Fees
Withdrawing digital assets from the Platform may incur network miner fees, specific fees determined according to current network conditions.

6.3 Fee Changes

The Platform reserves the right to adjust fee standards, and fee adjustments will be announced to users in advance.

VII. Privacy Protection and Data Security

7.1 Information Collection

Information collected by the Platform includes but is not limited to:

• Identity verification information (name, ID number, etc.)
• Account information (balance, positions, earnings, etc.)
• Operation records (subscriptions, redemptions, configuration changes, etc.)
• Device information (IP address, device fingerprint, etc.)

7.2 Information Usage

Collected information is used for:

• Providing savings services
• Risk control and anti-money laundering
• Service optimization and product improvement
• Fulfilling legal and regulatory requirements

7.3 Information Protection

• Use encryption technology to protect data transmission and storage
• Strict permission management to limit information access
• Will not sell, rent, or share your personal information with third parties (except as required by law)
• Regular security audits and vulnerability fixes

7.4 Data Security Measures

• Bank-level encrypted transmission (HTTPS/TLS 1.3)
• Encrypted storage of sensitive data
• Multi-factor authentication (MFA)
• Complete operation audit logs
• Real-time security monitoring and alerts

VIII. Exception Handling and Dispute Resolution

8.1 Service Interruption Handling

8.1.1 System Maintenance

• Platform regular maintenance will be announced in advance
• Savings products continue to accrue interest during maintenance
• Maintenance time arranged during business low periods when possible

8.1.2 Emergency Failures

• Platform will repair system failures as soon as possible
• Earnings already generated during failures are not affected
• Direct losses caused by failures will be handled through negotiation based on actual circumstances

8.1.3 Extreme Market Conditions

• Platform may suspend subscriptions during severe market volatility
• Extreme liquidity crisis may suspend redemption (maximum 48 hours)
• Services will be restored promptly after protective measures are taken

8.2 Fund Exception Handling

8.2.1 Replenishment Exceptions

• Auto-margin replenishment failure: System automatically retries 3 times
• Multiple failures: Suspend function and notify user
• Savings funds frozen but replenishment failed: Automatically release freeze and restore

8.2.2 Scheduling Exceptions

• Multi-account scheduling failure: Automatically rollback all operations
• Savings redemption failure: Release freeze, prompt user to use other funding sources
• Network timeout: Wait for confirmation or rollback

8.2.3 Earnings Exceptions

• Earnings calculation error: Correct promptly and make up payment
• Earnings distribution delay: Delayed distribution does not affect amount
• Erroneous earnings distribution: Platform has the right to recover

8.3 Account Security Incidents

8.3.1 Abnormal Account Login

• Temporarily freeze account when abnormal login detected
• Release freeze after user verifies identity
• Recommend user change password and enable two-factor authentication

8.3.2 Account Theft

• User should immediately contact Platform to freeze account
• Platform cooperates with investigation and makes best efforts to recover losses
• Losses caused by user’s own reasons are borne by user

8.3.3 Fraudulent Behavior

• Immediately freeze account upon discovery of money laundering, fraud, or other illegal activities
• Cooperate with law enforcement investigations
• Reserve the right to pursue legal liability

8.4 Dispute Resolution

8.4.1 Negotiation

• When disputes occur, users should first contact customer service for negotiation
• Platform will respond within 24 hours and provide a solution within 5 business days
• Both parties negotiate in good faith

8.4.2 Complaint Mechanism

• Users can file complaints through customer service, email, and other channels
• Platform has a dedicated complaint handling team
• Major complaints reviewed by senior management

8.4.3 Legal Channels

• If negotiation fails, either party may file a lawsuit with the court where the Platform is located
• Laws of the Platform’s registered location apply
• Dispute resolution does not affect execution of other agreement terms

IX. Agreement Modification and Termination

9.1 Agreement Modification

9.1.1 Modification Right

• Platform has the right to modify this Agreement due to business development, legal and regulatory changes, and other reasons
• Agreement modifications will be notified to users in advance through announcements, in-site messages, and other means
• Major changes will be notified 30 days in advance

9.1.2 Modification Effectiveness

• Agreement modifications take effect from the announcement date
• Your continued use of services is deemed acceptance of the modified agreement
• If you do not accept the modifications, you may stop using the services

9.1.3 Product Rule Adjustments

• Adjustments to savings product yield rates, limits, and other parameters are normal operational activities
• Parameter adjustments will be announced in advance
• Yield rates for existing investments remain unchanged, only new investments are affected

9.2 Service Termination

9.2.1 User-Initiated Termination

• Users can disable automated functions at any time
• Users can redeem savings products at any time (within product rules)
• Users must redeem all savings products to close account

9.2.2 Platform-Initiated Service Termination
Platform has the right to terminate services to users under the following circumstances:

• User violates this Agreement or other Platform rules
• User engages in illegal or criminal activities
• User account inactive for extended period (over 2 years)
• Legal and regulatory requirements
• Platform ceases operations (requires 90 days advance notice)

9.2.3 Post-Termination Handling

• Users should redeem all savings products before service termination
• Platform assists users in withdrawing remaining assets
• Platform assumes no obligations after termination

X. Other Terms

10.1 Force Majeure

Platform shall not be liable for service interruption or inability to fulfill obligations due to the following force majeure events:

• Natural disasters (earthquakes, floods, typhoons, etc.)
• Social events such as war, riots, strikes
• Government actions, legal and regulatory changes
• Network attacks, viruses, hacker attacks
• Blockchain network failures
• Other unforeseeable, unavoidable, and insurmountable objective circumstances

When force majeure events occur, Platform will notify users promptly and make best efforts to reduce losses.

10.2 Limitation of Liability

10.2.1 Platform Liability Scope

• Platform is responsible for system stability and data accuracy
• Platform bears compensation liability for losses caused to users due to intentional acts or gross negligence
• Platform’s compensation liability is limited to user’s direct losses

10.2.2 Platform Disclaimer
Platform is not liable in the following circumstances:

• Losses caused by user’s own reasons (improper configuration, password leakage, etc.)
• Investment losses caused by market risks
• Losses caused by force majeure
• Losses caused by user’s violation of rules
• Losses caused by third-party reasons

10.3 Intellectual Property

10.3.1 Platform Rights

• Platform’s trademarks, logos, software, copywriting, etc. enjoy intellectual property rights
• Without permission, users may not use, copy, or disseminate Platform’s intellectual property

10.3.2 User Authorization

• Users authorize Platform to use their data for service provision when using services
• Authorization scope limited to service-related purposes

10.4 Notices and Delivery

10.4.1 Notice Methods
Platform sends notices to users through the following methods:

• In-site messages
• Registered email
• SMS to registered phone number
• Platform announcements

10.4.2 Delivery Time

• In-site messages and announcements: Deemed delivered upon publication
• Email and SMS: Deemed delivered upon sending
• Users should check notice information promptly

10.5 Complete Agreement

10.5.1 Agreement Composition
This Agreement, together with the following documents, constitutes the complete service agreement:

• BiyaPay User Agreement
• BiyaPay Privacy Policy
• Specific rules for each savings product
• Other relevant Platform rules

10.5.2 Conflict Resolution
If there are conflicts in the above documents, the following order applies:

1. Specific rules for each savings product
2. This Savings Agreement
3. BiyaPay User Agreement
4. Other Platform rules

10.6 Severability

If any provision of this Agreement is deemed invalid or unenforceable, it does not affect the validity of other provisions.

10.7 Language Version

This Agreement may have multiple language versions. In case of conflict, the Simplified Chinese version shall prevail.

XI. Contact Information

If you have any questions about this Agreement or need assistance, please contact us through the following methods:

• Online Customer Service: 7×24 hour online service
• Customer Service Email: support@biyapay.com
• Official Website: www.biyapay.com

XII. Agreement Effectiveness

This Agreement takes effect when you click to agree or begin using savings services.

Reminder: Savings carry risks, investment requires caution. Please fully understand product rules and risks before making decisions.

BiyaPay Platform