Customer Vulnerability

Be advised that the use of payment institutions and their online services involve certain risks, including but not limited to:

• - Fraudulent activities carried out by third parties using your personal information or payment credentials.
• - Technical malfunctions or failures that may interrupt, delay or prevent the processing of your transactions or cause the loss of your data or funds.
• - Cybersecurity threats such as hacking, phishing or malware attacks that may compromise the security and confidentiality of your personal and financial information.
• - Changes in the regulatory environment or business operations of the payment institution that may affect the availability, pricing or terms of their services.

While TONIO Limited has taken reasonable measures to mitigate such risks and ensure the security and reliability of our payment services, we cannot guarantee that our systems or processes will be entirely free from vulnerabilities or errors. We therefore recommend that you take appropriate precautions to safeguard your information and assets, such as using strong passwords, avoiding public Wi-Fi networks, regularly monitoring your accounts and reporting any suspicious activity immediately.

By using our payment services and online platform, you acknowledge and accept these risks and agree to indemnify TONIO Limited, its affiliates, officers, employees and agents from any losses, damages or liabilities arising from your use of our services or your failure to comply with our terms and conditions.