PAYMIR TERMS OF SERVICE
THANK YOU FOR CHOOSING PayMIR! These Terms of Service (hereinafter may also be referred to as “Agreement”) is an electronic agreement between you (hereinafter referred to as “you” and/or “User”) and PayMIR (hereinafter referred to as “PayMIR” and/or “We”), that applies to your use of this Site, the PayMIR Platform and all the services, products and content provided by PayMIR.
PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING THE SITE. BY ACCESSING, BROWSING OR REGISTERING TO USE THIS SITE YOU AGREE TO BE BOUND BY THIS USER AGREEMENT. IF YOU DO NOT AGREE TO BE BOUND BY THIS USER AGREEMENT PLEASE DO NOT USE PayMIR.
TERMS AND DEFINITIONS
2. WARRANTIES, REPRESENTATIONS AND COVENANTS
2.1. It is a pre-condition that the Services of PayMIR are only provided to those Users who are permitted to enter in legally binding relationships. Therefore, if there is any reason why User is not able to enter into legally binding relationships with PayMIR, for whatever reason - a User is prohibited to use PayMIR. 2.2. You further represent and warrant that You: - are at least 18 years old or of other legal age, according to your relevant jurisdiction; - have not previously been suspended or removed from PayMIR Platform; - have full power and authority to enter into this legal relationship and by doing so will not violate any other legal relationships; - use PayMIR Platform with your own e-mail and for your own benefit and do not act on behalf and/or to the interest of any other person; - guarantee that your crypto assets and fiat funds, which You transfer to PayMIR Platform are not sold, encumbered, not in contention, or under seizure, and that neither exist any rights of third parties to your crypto assets and fiat funds; - are not Politically Exposed Person (PEP) or family member or close associate of the PEP. PEPs (as well as family members or close associates of the PEPs) are not allowed to use PayMIR Platform. In case PayMIR will establish, that the User of PayMIR Platform is PEP (as well as family member or close associate of the PEP), PayMIR reserves the right to terminate User Account of such User. For the purpose of this Agreement, the definitions "Politically Exposed Person", "family member" and "close associate" have the meaning, as it defines in (i) the FATF Recommendations (International Standards on Combating Money Laundering and the Financing of Terrorism and Proliferation) and (ii) FATF Guidance on Politically Exposed Persons (Recommendations 12 and 22); - will not use PayMIR Platform or will immediately cease using those if you are a resident or become a resident at any time of the state or region (in accordance with such state or region definition of residency), where the crypto assets transactions you are going to execute are prohibited or require special approval, permit and/or authorization of any kind, which PayMIR has not obtained in this state or region. Notwithstanding the above, you are not in any case allowed to access and use our Services if you are located, incorporated or otherwise established, or a citizen or resident of: the United States of America, Japan; North Korea, Sudan, Crimea and Sevastopol, Cuba, Syria; or any state, country or other jurisdiction that is embargoed by the United States of America; a jurisdiction where the local Applicable Law prohibits or will prohibit you at any time (by reason of your nationality, domicile, citizenship, residence or otherwise) to access or use PayMIR Platform (hereinafter, together “The Restricted Jurisdictions”). 2.3. PayMIR reserves the right to close any of your User Accounts and to force you to withdraw all Funds from the PayMIR Platform in case if: - PayMIR determines that you are accessing PayMIR Platform from any Restricted Jurisdiction, or - you have given false representations as to your location of incorporation, establishment, citizenship or place of residence. 2.4. For the purpose of this clause "Applicable Law" refers to all applicable laws of any governmental authority, including, without limitation, federal, state and foreign securities laws, tax laws, tariff and trade laws, ordinances, judgments, decrees, injunctions, writs and orders or like actions of any governmental authority and rules, regulations, orders, interpretations, licenses, and permits of any federal, regional, state, county, municipal or other governmental authority.; 2.5. When accessing or using PayMIR Platform, you further represent, agree and warrant, that you will not violate any law, contract, intellectual property or other third-party right or commit a tort, and that you are solely responsible for your conduct while using our PayMIR Platform. Without prejudice to the generality of the foregoing, you represent, agree and warrant, that you will not: - Use PayMIR Platform in any manner that could interfere with, disrupt, negatively affect or inhibit other users from using our PayMIR Platform with full functionality, or that could damage, disable, overburden or impair the functioning of PayMIR Platform in any manner; - Use PayMIR Platform to pay for, support or otherwise engage in any illegal gambling activities; fraud; money-laundering; or terrorist activities; or any other illegal activities; - Use any robot, spider, crawler, scraper or other automated means or interface not provided by PayMIR to access PayMIR Platform or to extract data; - Use or attempt to use another User Account without authorization; - Attempt to circumvent any content filtering techniques We employ, or attempt to access any service or area of PayMIR Platform that you are not authorized to access; - Develop any third-party applications that interact with PayMIR Platform without our prior written consent; - Provide false, inaccurate, or misleading information; - Encourage or induce any third party to engage in any of the activities prohibited under this Section.
3. SCOPE OF SERVICES
3.1. PayMIR provides an online digital asset marketplace for products commonly known as cryptographic tokens, digital tokens or cryptographic currency (collectively, “Digital assets”). 3.2. PayMIR functions as an exchange platform provider and provides the exchange. PayMIR does not act as an intermediary or marketplace between other buyers and sellers and takes part in the exchange directly, on a principal to principal base. 3.3. PayMIR is also not a market maker. 3.4. Users must register and open a User account with PayMIR as further set forth in Section 5 below and deposit Digital assets or Fiat prior to commencement of trading. Users may request the withdrawal of their Digital assets, subject to the limitations as stated in this Agreement. 3.5. PayMIR strives to maintain the accuracy of information posted on the Services however it cannot and does not guarantee the accuracy, suitability, reliability, completeness, performance or fitness for any purpose of the content made available through the Services, and will not be liable for any loss or damage that may arise directly or indirectly from your use of such content. Information on the Services can be subjected to change without notice and is provided for the primary purpose of facilitating users to arrive at independent decisions. 3.6. PayMIR does not provide investment or advisory services and will have no liability for the use or interpretation of information as stated on the Services or other communication mediums. All Users of the Services must understand that there are risks involved in trading. PayMIR encourages all Users to exercise prudence and trade responsibly within their own means.
4. RISK DISCLOSURE
4.1. Due to the internal policies, PayMIR only provides the Services to Users with sufficient experience, knowledge and understanding of the work principles of our PayMIR Platform, and those who fully understand the associated risks. 4.2. You acknowledge and agree that you shall access and use the PayMIR Platform at your own risk. The risk of loss in trading Digital assets or Fiat can be substantial. You should, therefore, carefully consider whether such Exchange is appropriate for you in light of your circumstances and resources. 4.2. Risks Associated with the Internet-based PayMIR Platform. You acknowledge that there are risks associated with utilizing an Internet-based software system including, but not limited to, the failure of hardware, software, and Internet connections. You acknowledge that PayMIR shall not be responsible for any communication failures, disruptions, errors, distortions or delays you may experience when using the PayMIR Platform, howsoever caused. 4.3. Risks Associated with the Blockchain Protocol. PayMIR Platform and its related Services are based on the Blockchain protocol. As such, any malfunction, unintended function, unexpected functioning of or attack on the Blockchain protocol may cause PayMIR Platform to malfunction or function in an unexpected or unintended manner. 4.4. Risks Associated with Blockchains and Digital assets. You acknowledge and accept that the PayMIR has no control over any cryptocurrency network and you understand all risks associated with utilizing any crypto assets network, including, but not limited to the risk of unknown vulnerabilities in or unanticipated changes to any network protocol. We will not be responsible for any harm occurring as a result of such risks. 4.5. YOU AGREE TO INDEMNIFY AND HOLD PAYMIR HARMLESS AGAINST ANY CLAIMS, DEMANDS AND DAMAGES, WHETHER DIRECT, INDIRECT, CONSEQUENTIAL OR SPECIAL, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS OR LOSS OF DATA, WHETHER IN AN ACTION, IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ORIGINATED FROM OR IN ANY WAY CONNECTED WITH YOUR USE OF OUR TECHNOLOGY PLATFORM, INCLUDING, BUT NOT LIMITED TO THOSE ARISING FROM YOUR PERSONAL ERROR AND MISBEHAVIOR SUCH AS FORGOTTEN PASSWORDS, INCORRECTLY CONSTRUCTED TRANSACTIONS, LOSS OF YOUR ACCESSES ETC.
5. REGISTRATION OF A USER ACCOUNT WITH PAYMIR
5.1. It is necessary to go through the registration process and create a User Account with PayMIR to use PayMIR Platform in a right order and with its full functionality. 5.2. PayMIR reserves the right, in its sole discretion, to limit the number of User Accounts that you may hold, maintain or create. User Accounts cannot be assigned to any third party. 5.3. When you create a User Account, you undertake to: - create a strong password that you do not use for any other websites, online or off-line services; - provide accurate and truthful information; - agree to pass through AML/KYC procedures, which may be applied to You from time to time; - agree to pass card payment verification procedure if necessary or submit any other financial or banking data and details if you are going to use Fiat deposit and withdrawals using PayMIR Platform; - maintain and promptly update your User Account information; - maintain the security of your User Account by protecting your password and restricting access to your User Account; - promptly notify Us if you discover or otherwise suspect any security breaches related to your User Account; - take responsibility for all activities that occur under your User Account and accept all risks of any authorized or unauthorized access to your User Account, to the maximum extent permitted by law. 5.4. Some transactions are possible without Registration of a User Account with PayMIR. For instance purchase of PMtokens with the immediate exchange of PM tokens to the Digital assets, products and services of the PayMIR verified partners. The fact of such a purchase still imposes on the User all obligations stipulated by these Terms.
6. DEPOSIT/WITHDRAWAL TO/FROM USER ACCOUNT
6.1. PayMIR Platform allows Users to remit Digital assets to User Account from external third-party service and vice versa except to certain limitations, which may be updated from time to time. YOU INDEMNIFY AND HOLD PayMIR HARMLESS AGAINST ANY CLAIMS, DEMANDS AND DAMAGES, WHETHER DIRECT, INDIRECT, CONSEQUENTIAL OR SPECIAL, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ORIGINATED FROM OR IN ANY WAY CONNECTED WITH YOUR DEPOSIT/WITHDRAWAL TRANSFER REQUESTED IN VIOLATON OF SETTLED LIMITATIONS. 6.2. Authorization to create an address. You understand and acknowledge, that an address for receiving digital asset will be created automatically as soon as you request the Deposit transfer and before any digital asset can be remitted to Your User Account and you fully and irrevocably authorize its creation. 6.3. Ownership verification. In case you are required to verify, that you possess Digital asset of the third-party service that you use to remit digital asset to your User Account, you undertake to provide such verification by following PayMIR instructions. 6.4. Deposit/Withdrawal Authorization. When you request Us to Deposit/Withdraw Digital assets into or out from your User Account, you authorize PayMIR to execute such Transfer via the PayMIR Platform. 6.5. Deposit/Withdrawal of Fiat money is possible only after card payment verification procedure if necessary or submitting any other financial or banking data and details if you are going to use Fiat deposit and withdrawals using PayMIR Platform. 6.5. No control over third-party services. You may be charged fees by the third-party service you use to remit your User Account. PayMIR is not responsible for any third-party services' fees. You are solely responsible for your use of the third-party service, and you agree to comply with all terms and conditions applicable to any third-party service. 6.6. Rejected or Suspended Deposit/Withdrawal Transfers. In some cases, the third-party service may reject your crypto assets to be processed, suspend the Deposit/Withdrawal Transfer of your crypto assets, or be not able to support the Transfer, or may otherwise be unavailable. YOU AGREE THAT YOU WILL NOT HOLD PayMIR LIABLE FOR ANY CLAIMS, DEMANDS AND DAMAGES, WHETHER DIRECT, INDIRECT, CONSEQUENTIAL OR SPECIAL, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ORIGINATED FROM OR IN ANY WAY CONNECTED WITH SUCH REJECTED OR SUSPENDED ETC. DEPOSIT/WITHDRAWAL TRANSFERS. 6.7. Delays. Subject to the terms and conditions of this Agreement, PayMIR will use commercially reasonable efforts to record all Transfers on a spot basis as soon as practicable. However the timing associated with Deposit/Withdrawal of Funds depends inter alia upon the performance of third-parties services, and PayMIR makes no guarantee that Funds will be Deposited/Withdrawn in any specific timeframe. YOU HEREBY UNDERSTAND AND ACKNOWLEDGE, THAT ANY DELAYS ARE POSSIBLE; YOU INDEMNIFY AND HOLD PayMIR HARMLESS AGAINST ANY CLAIMS, DEMANDS AND DAMAGES, WHETHER DIRECT, INDIRECT, CONSEQUENTIAL OR SPECIAL, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE TRANSFER DELAY, WHETHER ORIGINATED FROM OUR FAULT OR NOT.
7. PURCHASE OF PM TOKENS AND EXCHANGE TRANSACTIONS
7.1. After making a payment with Fiat money in favor of PayMIR, the latter will carry out verification procedures, in accordance with which the the Deposit will be associated with a User Account. PayMIR will distribute and send PM tokens to the User Account before one of the later dates indicated below: (a) within 3 (three) business days from the date of completion of the sale of PM tokens or within 5 (five) business days from the date of reaching restrictions and limits (at the same time, PayMIR reserves the right to extend the indicated period if it is necessary to eliminate unforeseen technical difficulties provided that User is notified about them), or (b) within 5 (five) business days from the date the User provides completes and reliable information regarding User Account or any other additional information requested by us (KYC). For the avoidance of doubt, any such extension of the indicated deadlines does not affect PayMIR obligation to provide and User obligation to accept PM tokens that User has purchased in accordance with this Agreement. 7.2. Any purchase of PM tokens from PayMIR is final, and partial or full refund, as well as the refusal to purchase is not allowed, except as otherwise expressly indicated in this Agreement and Refund Policy. PayMIR reserves the right to refuse or reject any of the payments made or anticipated at any time and in its sole discretion. In the event that PayMIR refuses or rejects the payment from the User, PayMIR will make reasonable efforts to return such payment to the User. PayMIR has the right to reduce the amount of return by the amount of expenses for its implementation, if applicable. 7.3. PayMIR fulfills Orders of Users meaning the exchange of PM tokens and Digital assets to User or the purchase of Digital assets from the User as per the terms of the Order placed using the PayMIR Platform, this Agreement and related disclosure. 7.4. PayMIR will sell or purchase only those Digital asset listed on the Site, which may change without prior notice to the User. 7.5. User agrees to pay PayMIR the fees set forth by PayMIR which may be updated from time to time in PayMIR’s sole discretion. Any such updated fees will apply prospectively to any transactions that take place following the effective date of such updated fees.
8.1. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, THE SERVICES, PayMIR MATERIALS AND ANY PRODUCT, SERVICE OR OTHER ITEM PROVIDED BY OR ON BEHALF OF PayMIR ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND PayMIR EXPRESSLY DISCLAIMS, AND YOU WAIVE, ANY AND ALL OTHER WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT OR WARRANTIES ARISING FROM COURSE OF PERFORMANCE, COURSE OF DEALING OR USAGE IN TRADE. WITHOUT LIMITING THE FOREGOING, PAYMIR DOES NOT REPRESENT OR WARRANT THAT THE SITE, THE SERVICES OR PAYMIR MATERIALS ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. PAYMIR DOES NOT GUARANTEE THAT ANY ORDER WILL BE EXECUTED, ACCEPTED, RECORDED OR REMAIN OPEN. EXCEPT FOR THE EXPRESS STATEMENTS SET FORTH IN THIS AGREEMENT, YOU HEREBY ACKNOWLEDGE AND AGREE THAT YOU HAVE NOT RELIED UPON ANY OTHER STATEMENT OR UNDERSTANDING, WHETHER WRITTEN OR ORAL, WITH RESPECT TO YOUR USE AND ACCESS OF THE SERVICES. WITHOUT LIMITING THE FOREGOING, YOU HEREBY UNDERSTAND AND AGREE THAT PayMIR WILL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES ARISING OUT OF OR RELATING TO: (A) ANY INACCURACY, DEFECT OR OMISSION OF DIGITAL CURRENCY PRICE DATA, (B) ANY ERROR OR DELAY IN THE TRANSMISSION OF SUCH DATA, (C) INTERRUPTION IN ANY SUCH DATA AND (D) ANY DAMAGES INCURRED BY ANOTHER USER’S ACTIONS, OMISSIONS OR VIOLATION OF THIS AGREEMENT. THE DISCLAIMER OF IMPLIED WARRANTIES CONTAINED HEREIN MAY NOT APPLY IF AND TO THE EXTENT IT IS PROHIBITED BY APPLICABLE LAW OF THE JURISDICTION IN WHICH YOU RESIDE. 8.2. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL PAYMIR, ITS AFFILIATES AND THEIR RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTRACTORS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR SIMILAR DAMAGES OR LIABILITIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA, INFORMATION, REVENUE, PROFITS OR OTHER BUSINESS OR FINANCIAL BENEFIT) ARISING OUT OF OR IN CONNECTION WITH THE SERVICES, ANY PERFORMANCE OR NON-PERFORMANCE OF THE SERVICES, OR ANY OTHER PRODUCT, SERVICE OR OTHER ITEM PROVIDED BY OR ON BEHALF OF PAYMIR AND ITS AFFILIATES, WHETHER UNDER CONTRACT, STATUTE, STRICT LIABILITY OR OTHER THEORY EVEN IF PayMIR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES EXCEPT TO THE EXTENT OF A FINAL JUDICIAL DETERMINATION THAT SUCH DAMAGES WERE A RESULT OF PAYMIR’S GROSS NEGLIGENCE, FRAUD, WILLFUL MISCONDUCT OR INTENTIONAL VIOLATION OF LAW. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. NOTWITHSTANDING THE FOREGOING, IN NO EVENT WILL THE LIABILITY OF PayMIR, ITS AFFILIATES AND THEIR RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTRACTORS ARISING OUT OF OR IN CONNECTION THE SERVICES, ANY PERFORMANCE OR NON-PERFORMANCE OF THE SERVICES, OR ANY OTHER PRODUCT, SERVICE OR OTHER ITEM PROVIDED BY OR ON BEHALF OF PayMIR OR ITS AFFILIATES WHETHER UNDER CONTRACT, STATUTE, STRICT LIABILITY OR OTHER THEORY, EXCEED THE AMOUNT OF THE FEES PAID BY YOU TO PayMIR UNDER THIS AGREEMENT IN THE TWELVE-MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY.
You agree to indemnify and hold harmless PayMIR, its affiliates, contractors, licensors, and their respective directors, officers, employees and agents from and against any claims, actions, proceedings, investigations, demands, suits, costs, expenses and damages (including attorneys’ fees, fines or penalties imposed by any regulatory authority) arising out of or related to (i) your use of, or conduct in connection with, the Services, (ii) your breach or our enforcement of these Terms, or (iii) your violation of any applicable law, regulation, or rights of any third party during your use of the Service. If you are obligated to indemnify PayMIR, its affiliates, contractors, licensors, and their respective directors, officers, employees or agents pursuant to this clause, PayMIR will have the right, in its sole discretion, to control any action or proceeding and to determine whether PayMIR wishes to settle, and if so, on what terms.
Please be aware that all official announcements, news, promotions, competitions and airdrops where we urge all users to refer to regularly. PayMIR will not be held liable or responsible in any manner of compensation should users incur personal losses arising from ignorance or negligence of the announcements.
11. TERMINATION OF AGREEMENT
12. COMPLIANCE WITH LOCAL LAWS
It is the responsibility of the User to abide by local laws in relation to the legal usage of PayMIR in their local jurisdiction. Users must also factor, to the extent of their local law all aspects of taxation, the withholding, collection, reporting and remittance to their appropriate tax authorities. All Users of PayMIR and any of its Services acknowledge and declare that the source of their funds come from a legitimate manner and are not derived from illegal activities. PayMIR maintains a stance of cooperation with law enforcement authorities globally and will not hesitate to seize, freeze, terminate the account and Funds of Users which are flagged out or investigated by legal mandate.
14. RESOLVING DISPUTES: FORUM, ARBITRATION, CLASS ACTION WAIVER, GOVERNING LAW
PLEASE READ THIS SECTION CAREFULLY, AS IT INVOLVES A WAIVER OF CERTAIN RIGHTS TO BRING LEGAL PROCEEDINGS. 14.1. Notification of Dispute. Please contact PayMIR first! PayMIR wants to address your concerns without resorting to formal legal proceedings. Before filing a claim, you agree to try to resolve the dispute informally by contacting PayMIR first. 14.2. Agreement to Arbitrate. You and PayMIR agree to resolve any claims relating to this Agreement (including any question regarding its existence, validity, termination, or any services or products provided and any representations made by us) through final and binding arbitration, except as set forth under Exceptions to Agreement to Arbitrate below. You agree to first give us an opportunity to resolve any claims by contacting us as set forth in subsection (a) above. If we are not able to resolve your claims within 60 days of receiving the notice, you may seek relief through arbitration or in the courts of Estonia, as set forth below. 14.3. Arbitration Procedure. Either You or PayMIR may submit a dispute (after having made good faith efforts to resolve such dispute in accordance with subsections (a) and (b) above) for final, binding resolution by arbitration under the arbitration rules of the Arbitration Court of the Estonian Chamber of Commerce and Industry. The language of the arbitration hearings shall be English and the seat, or legal place, of arbitration shall be Estonia. Judgment on any arbitral award may be entered in any court having jurisdiction over the party (or the assets of the party) due and owing such award. 14.4. Exceptions. Either party may instead choose to assert the claims in the Arbitration Court of the Estonian Chamber of Commerce and Industry if the claims fall within the jurisdiction of Estonia, and either party may seek injunctive relief or other urgent equitable relief in a court of competent jurisdiction. However, for the avoidance of doubt, where the claims fall outside of the jurisdiction of Estonia, the claims will be referred to and finally resolved by Estonian arbitration. 14.5. Notice. To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claims to PayMIR. If we request arbitration against you, we will give you notice at the email address or street address you have provided. 14.6. Controlling Law. This Agreement is governed by the law of Estonia except for its conflicts of laws principles, unless otherwise required by a mandatory law of any other jurisdiction.