Welcome to Webull Pay!

We are thrilled that you have chosen to use the products and services (hereinafter collectively referred to as “Products”) provided by Webull Pay Pte. Ltd. and its affiliates, including but not limited to Webull Pay LLC, (collectively, “Webull Pay”, “we,” “our” or “us”). Before you start using our Products, please read these terms of service (“Terms”), the Webull Pay Privacy Policy and Webull Pay Data Disclaimer carefully and fully understand the contents of each agreement, especially the clauses that limit or exclude our liability. By using or accessing any of Webull Pay Products, you acknowledge your agreement to these Terms.

If you have any questions, comments or suggestions regarding the content of these Terms, you may contact us by email at Customersupport@webullpay.com.

1.1 Webull Pay provides Products to users through the internet. However, users are responsible for:

1. a) preparing all devices and other equipment necessary in order to connect to the internet, including mobile phones, tablets, computers, modems, routers and any other equipment necessary for connecting to the internet;
2. b) preparing and purchasing all services necessary in order to connect to or otherwise access the internet, including any network, phone, or data charges and any other network costs.

1.2 Users are recommended to register for a Webull Pay account, and by doing so agree to:

1. a) provide the personal information requested during the registration process;
2. b) provide accurate personal information and keep their registration information up to date;
3. c) the Webull Pay Privacy Policy; and
4. d) accept notifications about Webull Pay products as sent through email or text message and not to regard this information as junk mail or spam messages.

Users will become a registered user of Webull Pay after successfully registering over the Webull Pay app and will obtain a Webull Pay account containing username and password. Proprietary rights for the account will be owned by Webull Pay, and Webull Pay reserves its right to reclaim the account and temporarily/permanently suspend the account at any time and in its absolute discretion. Users may use and modify their account information as necessary. Users are responsible for securing the username and password for their account, as bear all liability for the actions taken on or using their account. The user must promptly notify Webull Pay of any unauthorized or illegal use of the account, or if the user becomes aware of any security bug or incident or if account security is in any way compromised. Webull Pay will make all reasonable efforts to provide for the security of the user’s information.

A Webull Pay account can only be used by registered users. Access to and use of password-protected and/or secure areas of the Webull Pay app are restricted to registered users only. You may not obtain or attempt to obtain unauthorized access to such parts of the Webull Pay platform, or to any other protected information, through any means not intentionally made available by Webull Pay for your specific use. Users agree not to provide, transfer, or sell their account to any third-party for use. In case of any breach thereof, Webull Pay, in its sole discretion, can terminate the registered account, and has the right to take all measures that it deems necessary to prevent the unauthorized use of transfer of the account. Webull Pay retains the right to take legal action against anyone that attempts to sell or otherwise transfer their account in violation of these Terms.

3.1 Users agree to be legally bound by all relevant laws, regulations and other requirements and applicable provisions while using the Products, including:

1. a) users are subject to relevant international laws and regulations concerning the transmitting of data;
2. b) users must comply with the regulations and requirements of all exchanges while using market data services;
3. c) users may not use Webull Pay for any illegal use or in any manner that violates applicable laws;
4. d) users must not use the Products in any way that inhibits Webull Pay’s ability to provide the Products to other users.

3.2 Users agree to preserve and maintain legitimate rights and interests of Webull Pay, its affiliates and the other users, and to pay for any litigation costs (including reasonable attorneys’ fees) incurred as a result of using the Products beyond the scope of what is permitted, including any damages arising from a breach of these Terms.

3.3 Webull Pay may suspend any of the Products at any time and in its sole discretion and it does not need to provide any explanation to the user or any other party. If users are not satisfied with Products provided by Webull Pay, users can take the following actions:

1. a) cease to use Products; and/or
2. b) request Webull Pay to cease providing the Products to the user.

After taking such action, the user’s right to use the Products will be immediately terminated and the user will no longer be authorized to continue using the Products, and Webull Pay will not be obligated to transmit any unprocessed information or provide unfinished or undelivered service on behalf of the user.

3.4 All market data, news and other information provided by Webull Pay are provided free of charge at present, but there is no guaranteed that Webull Pay will continue to provide any Product free of charge, in whole or in part, at any time in the future. Users can at any time choose to continue or cease to use Products.

3.5 In addition to complying with these Terms, you agree to use the market data in accordance with terms and conditions of the third-party data providers.

Webull Pay respects the individual and personal privacy of the user and will keep all personal information strictly confidential in accordance with the Webull Pay Privacy Policy. Webull Pay promises not to disclose any personal or other information provided to Webull Pay in confidence, including information provided during the account registration process or collected by Webull Pay while the user was using the Products, except for the following situations:

1. 4.1. disclosure is required by relevant laws and regulations;
2. 4.2. disclosure is required by a third-party to complete a transaction initiated by the user;
3. 4.3. situations related to the protection of Webull Pay’s intellectual property rights or other important rights;
4. 4.4. the username or password is illegally used as a result of hacking or negligence by the user;
5. 4.5. emergency situations in which public privacy and security are at risk; and
6. 4.6. other situations in which Webull Pay determines such disclosure is necessary.

Users can read the Webull Pay Privacy Policy for more details.

The intellectual property rights (“IPR”) associated with the Products, including, trademarks, patents, copyrights, trade secrets, proprietary technology from supporting hardware and software, and contents of Webull Pay (including any pictures, archives, information materials, system architectures and product designs), are the exclusive proprietary rights of Webull Pay or any other legal owner. No person may use, modify, copy, broadcast and transmit in public, recompose, disseminate, distribute, publish, reverse engineer, decompile or disassemble without authorization. If a user intends to cite or reprint the above-mentioned software, procedures or product contents, he/she must obtain in advance written consent of Webull Pay or other legal right owners. The user understands that IPRs are critical to the success of Webull Pay, and if the provisions of this section are violated, users will be liable to Webull Pay or the appropriate affiliate for compensatory damages, including court costs and attorneys’ fees.

Webull Pay data—including (i) market data from the different exchanges; (ii) fundamental data such as financial reports, analysis data, corporate actions; (iii) general news and information; (iv) educational material and information; (v) other data—is available on Webull Pay mobile device applications, Webull Pay websites and any other products and services, and is provided by Webull Pay and its affiliates. Webull Pay data is not intended to provide financial, legal, tax or investment advice or recommendations. You are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You should consult your legal or tax professional regarding your specific situation.

1. 6.1. The market data and news information are provided by third-party data service providers. Webull Pay has not been involved in the preparation, adoption or editing of third-party content and does not explicitly or implicitly endorse or approve such content. The third-party content providers do not implicitly or explicitly endorse or approve the content that they provide, nor do they give investment advice, or advocate the purchase or sale of any security or investment. Webull Pay and third-party data service providers do not guarantee the accuracy and reliability of any information that they provide. Webull Pay does not bear any legal responsibility to the user for any loss or damage arising from a delay, error or omission of such market data.
2. 6.2. While Webull Pay makes every attempt to provide accurate and timely information to serve the needs of users, it cannot guarantee the accuracy, completeness, timeliness or applicability of any usage. Information provided to users does not constitute investment advice. Users are solely responsible for any risk, result, or consequence arising from actions taken based on or in reliance of the information and other content provided through the Products, and Webull Pay does not bear any legal responsibility for any results of those actions.
3. 6.3. Webull Pay is in no way responsible for any malfunction of the network and devices used by the user, or for any delay, suspension or interruption of the market data disseminated by securities exchanges or third-party service providers, even if resulting in information or record loss.
4. 6.4. Webull Pay is not responsible for any service interruption or loss to the user resulting from a “force majeure” or other circumstances beyond its control.
5. 6.5. For normal service interruptions caused by system maintenance or updates, Webull Pay will make all reasonable efforts to notify users in advance. Webull Pay retains the right to suspend or terminate parts of or whole network services without prior notice to the user. Webull Pay is not responsible for any loss arising from service interruption, suspension or termination.
6. 6.6. While using the Products, users are advised to choose a safe network environment and keep their password secure to prevent identity theft. Any action taken on the account following a proper log-in using the correct password will be regarded by Webull Pay as having been performed by the user, and the user will be fully responsible for all such actions and their resulting consequences.
7. 6.7. Using a device that has been rooted or jailbroken decreases the security of your information and increases your susceptibility to various other forms of online fraud. Before using the Products, we strongly encourage you to fix your rooted or jailbroken device as we will bear no responsibility for any loss resulting from the use of such a device.

You can read Webull Pay Data Disclaimer and the other disclaimers for more details when you use Webull Pay Products.

Webull Pay and/or the third-party providers may provide links to other websites or resources. Because neither Webull Pay or the third-party providers have any control over such sites and resources, you acknowledge and agree that neither Webull Pay nor the third-party providers are responsible for the availability or content of such external sites or resources. Webull Pay and the third-party providers do not endorse and are not responsible for any content, advertising, products, or other materials on or available through such sites or resources, and you agree that your access to or use of such websites, content or services is entirely at your own risk. You further acknowledge and agree that neither Webull Pay nor the third-party providers are responsible, directly or indirectly, for any damage or loss caused, or alleged to be caused by or in connection with use of or reliance on, any such content, goods or services available on or through any such other site or resource.

1. 8.1 Any controversy or dispute arising from the Products are the provision of service will be referred to and finally resolved by appropriate legal means in accordance with local laws and regulations.
2. 8.2 In any dispute between the user and Webull Pay, both parties agree to settle the dispute through friendly negotiation or arbitration. If a resolution is not arrived at through these means, either party may initiate a lawsuit through local courts in the jurisdiction where Webull Pay is registered.
3. 8.3 If any part of this provision is held to be unenforceable, the validity and enforceability of the remaining provisions shall remain unaffected. Failure by us to enforce any part of these Terms does not constitute a waiver of such right.

No person or entity who is not a party to these Terms shall have any right to enforce any of these Terms, regardless of whether such person or entity has been identified by name, as a member of a class or as answering a particular description. For the avoidance of doubt, this shall not affect the rights of any permitted assignee or transferee of these Terms.

Webull Pay, in its sole discretion, has the right to make modifications to these Terms at any time and without advance notice, and will publish the modified Terms on the Webull Pay app or our website and within the Webull Pay Products. Continued use of the Products is evidence of the user’s agreement to the modified Terms. If you do not accept the amendment(s), please immediately cease all access and/or use of the Webull Pay Products. For any questions as to the rights and obligations between users and Webull Pay, the modified Terms will prevail.