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LEGAL NOTICE, PRIVACY POLICY, AND COOKIES POLICY

1. LEGAL NOTICE

In compliance with Article 10 of Law 34/2002, of July 11, on Information Society Services and Electronic Commerce (LSSICE), the identifying details of the company are outlined below:

• Corporate name: PAYOK FINANCIAL SERVICES, S.L. (Hereinafter, PAYOK).
• CIF (Tax ID): B73697567
• Address: C/ Concordia, nº 39, 30500, Molina de Segura, Murcia - Spain
• Telephone: +34 613 01 87 17
• Email: [email protected]
• Domain name: www.payok.app
• Administrative authorization: Authorization granted by the National Markets and Competition Commission (CNMC) for the provision of electronic communications services.

Commercial registry

The company PAYOK FINANCIAL SERVICES, S.L., has been registered in the Mercantile Registry of Murcia, under Volume 2795, Book 0, Folio 168, Section 8, Page MU75166, Entry or Record 6, Date 11/10/2023.

Purpose of the website

Provision of financial and derived sector services related to PAYOK. This legal notice (hereinafter, the "Legal Notice") regulates the use of the website: www.payok.app.

Applicable legislation

In general, relations between PAYOK and the Users of its telematic services present on this website are subject to Spanish legislation and jurisdiction.

User access and use

The User is informed, and accepts, that access to this website does not imply, in any way, the beginning of a commercial relationship with PAYOK or any of its branches.

Intellectual and industrial property

The intellectual property rights of the content of the web pages, their graphic design, and codes are owned by PAYOK. Therefore, their reproduction, distribution, public communication, transformation, or any other activity carried out with the contents of its web pages is prohibited, even when citing the sources, except with the prior written consent of PAYOK.

Website content and links

PAYOK reserves the right to update, modify, or delete the information contained in its web pages, and may even limit or deny access to such information to certain users.

PAYOK assumes no responsibility whatsoever for the information contained on third-party websites that can be accessed via "links" or hyperlinks from any web page owned by PAYOK.

The presence of "links" or hyperlinks on the web pages of PAYOK is for informational purposes only and under no circumstances constitutes a suggestion, invitation, or recommendation regarding them.

2. PRIVACY POLICY

Through this data protection policy, PAYOK informs the users of its website about how their data will be managed, so that they may freely and voluntarily decide whether they wish to provide the requested information.

Privacy principles and guarantees

On this website, users' personal data is respected and protected. As such, you should know that your rights are guaranteed.

At PAYOK, we guarantee compliance with the following principles to safeguard your privacy:

• We never request personal information unless it is genuinely necessary to provide the services required by the client.
• We never share our users' personal information with anyone, except to comply with the law or if we have the user's explicit authorization.
• We will never use your personal data for any purpose other than that stated in this privacy policy.

Please note that this Privacy Policy may be modified to adapt to new regulatory requirements, so users are advised to review it periodically.

PAYOK has adapted this website to the requirements of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (GDPR) and Organic Law 3/2018, on the Protection of Personal Data and guarantee of digital rights (LOPDGDD), as well as Law 34/2002, of July 11, on Information Society Services and Electronic Commerce (LSSICE).

Data controller

• Corporate name: PAYOK FINANCIAL SERVICES, S.L.
• CIF (Tax ID): B73697567
• Address: C/ Concordia, nº 39, 30500, Molina de Segura, Murcia - Spain
• Telephone: +34 613 01 87 17
• Email: [email protected]

For the processing of our users' data, we implement all the technical and organizational security measures established by current legislation.

Principles applied to personal information

In processing your personal data, we will apply the following principles which align with the requirements of the GDPR:

• Lawfulness, fairness, and transparency: We will always require your consent to process your personal data for one or more specific purposes, of which we will inform you beforehand with absolute transparency.
• Data minimization: We will only request data that is strictly necessary in relation to the purposes for which it is required.
• Storage limitation: Data will be kept for no longer than is necessary for the purposes of the processing.
• Integrity and confidentiality: Your data will be treated in a way that ensures appropriate security and confidentiality. PAYOK will take all necessary precautions to prevent unauthorized access or misuse of the data.

How did we obtain your data?

The personal data we process comes from:

• Contact forms.
• Newsletter subscriptions.
• Email communications.
• User registration.
• Sign-ups for events and activities.

For what purpose do we process your personal data?

When a user connects to this website—for example, to comment on a post, send an email, subscribe, or request a service—they are providing personal information for which PAYOK is responsible. This information may include data such as your IP address, name, physical address, email address, telephone number, etc. By providing this information, the user consents to its management and storage as described in this document.

The information capture systems used are:

• Contact form: Data (Name, Email) is requested to respond to user requirements, queries, or complaints.
• User registration form: When creating an account, data is requested (First name, last name, address, phone number, email, password).
• Newsletter form: Data (Name, Email) is requested to send commercial and operational updates.
• Cookies: Other non-identifying data is collected, as detailed in the cookies policy.

PAYOK will not transfer personal data that could identify the user to third parties without prior consent.

What is the lawful basis for processing your data?

PAYOK is authorized to process your personal data based on the consent of the data subject, as provided for in Article 6.1.a of the aforementioned GDPR.

How long will your data be stored?

The personal data provided will be kept for as long as a commercial relationship is maintained, and, where applicable, for the years necessary to comply with legal obligations, or until the data subject requests the erasure of their data.

What are your rights when you provide us with your data?

Data subjects have the right to:

• Access: Access their personal data held by PAYOK.
• Rectification: Modify inaccurate data.
• Erasure (Cancellation): Delete their data when it is no longer necessary.
• Objection: Object to the use of their data for a purpose other than the one chosen.
• Portability: Request the transmission of their data to another data controller.
• Restriction: Limit the use and storage period of their data.
• Right to be forgotten: Request the deletion of their internet history, where applicable.

These rights can be exercised through our data protection officer via email at: dpd@valegalespaña.com.

Finally, we inform you of your right to file a complaint with the Spanish Data Protection Agency (AEPD).

Accuracy of data

The user is solely responsible for the veracity and correctness of the data sent to PAYOK, exonerating the company from any liability in this regard. Users guarantee and answer for the accuracy, validity, and authenticity of the personal data provided, and undertake to keep it duly updated.

Security measures

PAYOK undertakes to use and process users' personal data confidentially, adopting the necessary technical and organizational measures to prevent its alteration, loss, unauthorized processing, or access. If a security breach occurs, PAYOK will notify the user without undue delay.

Acceptance, consent, and revocability

The user declares to have been informed of the conditions regarding personal data protection, accepting and consenting to the processing thereof by PAYOK. The consent provided is revocable at any time by notifying PAYOK.

3. COOKIES POLICY

Through this document, PAYOK sets forth its Policy on the collection and processing of cookies, in compliance with the provisions of Article 22.2 of Law 34/2002 (LSSICE).

What are Cookies?

Cookies are small files installed on your device when you access the web. Their functions include storing preferences, collecting statistical information, and facilitating navigation. Cookies do not provide references that allow the deduction of personal data. The user can configure their browser to notify or reject their installation.

Why are they important?

From a technical standpoint, they allow the website to work fluidly and adapt to your preferences. Furthermore, they help improve services through statistical information and make advertising more efficient.

How do we use Cookies?

Browsing this website involves the installation of the following types of Cookies:

• First-party Cookies: Sent and managed directly by PAYOK.
• Third-party Cookies: Sent anonymously by third parties for statistical analysis (e.g., social networks).
• Technical and performance Cookies: Retain preference settings for tools or services so you do not have to reconfigure them on each visit.
• Statistical analysis Cookies: Quantify the number of visitors and analyze the use of our services anonymously.
• Advertising Cookies: Manage advertising spaces by adapting content to your browsing profile.
• Session Cookies: Store data only while you access the page.
• Persistent Cookies: Store data on the terminal for a defined period.

How can I configure my preferences?

You can allow, block, or delete the Cookies installed on your computer by configuring your browser options:

• Google Chrome
• Mozilla Firefox
• Internet Explorer / Edge
• Safari / Safari for iOS

What happens if Cookies are disabled?

If you block the installation of Cookies, certain services on our website will be disabled and the overall functionality of the page may be reduced.

What types of Cookies do we use at PAYOK?

Acceptance of Cookies according to user choice

If you continue browsing after being informed about our Cookies Policy, we understand that you accept the use of Cookies.

When accessing this website or application for the first time, you will see a banner informing you of the use of Cookies and where you can consult this policy. If you consent to the use of Cookies, continue browsing, or click on any link, it will be understood that you have consented to our Cookies policy and, therefore, to their installation on your computer or device.

In addition to the use of our own Cookies, we allow third parties to set cookies and access them on your computer. The consent to the use of Cookies from these companies is linked to browsing this website.

In Molina de Segura, Murcia (Spain), on 14-04-2026.

Copyright © 2026 - Reg. No. M4249413 - PayOk Financial Services, S.L. All rights reserved.