Vyler-Terms and Conditions of Use and Transactions

1.1 About these Terms These Terms and Conditions ("Terms") govern access to and use of Vyler, including the creation and management of user accounts, the initiation and acceptance of transactions, payment processing through integrated services, delivery, inspection, dispute resolution, refunds, the release of transaction funds and the use of associated features. Vyler is operated by CLEARHOLD (Pty) Ltd ("CLEARHOLD", "Vyler", "we", "us" or "our"). These Terms apply to every individual and business that registers for, accesses or uses Vyler, including buyers, sellers, authorised representatives of businesses and any other permitted user. Vyler is designed to facilitate transactions between buyers and sellers by providing transaction-management functionality, configurable delivery and inspection periods, transaction evidence collection, dispute review and integration with third-party services responsible for particular transaction functions. 1.2 Acceptance of these Terms By registering for an account, accepting these Terms electronically, creating or accepting a transaction, or otherwise using a feature that requires acceptance of these Terms, you agree to be bound by the applicable provisions. If you do not agree to these Terms, you must not create an account, accept a transaction or use the relevant services. If you use Vyler on behalf of a company, partnership, organisation or other legal entity, you confirm that you are authorised to act for that entity. The entity will be bound by the applicable Terms to the extent permitted by law. 1.3 Relationship between the Terms and individual transactions These Terms govern the relationship between Vyler and its users and establish the platform rules applicable to transactions conducted through Vyler. Each transaction also has its own transaction-specific terms, which may include: • The identity of the buyer and seller. • The goods, services, deliverables or other subject matter of the transaction. • The agreed base price. • The applicable Vyler fee and the selected fee-allocation model. • The delivery requirements. • The inspection period. • The transaction deadlines. • Any milestones or other agreed conditions. • Any additional conditions expressly accepted by both parties. The transaction-specific terms must be read together with these Terms. 1.4 Legal rights These Terms do not remove or restrict any right that cannot lawfully be excluded or limited under South African law. Where applicable, the Consumer Protection Act 68 of 2008, the Electronic Communications and Transactions Act 25 of 2002, the Protection of Personal Information Act 4 of 2013, the Financial Intelligence Centre Act 38 of 2001 and other applicable legislation may affect the rights and obligations of Vyler, buyers, sellers and service providers.

For purposes of these Terms, the following definitions apply: • "Account" means the user profile registered with Vyler. • "Account holder" means the individual or legal entity in whose name a Vyler Account is registered. • "Base Price" means the price agreed between the buyer and seller for the underlying goods, services, deliverables or other permitted subject matter of a transaction, before the Vyler fee and any separately disclosed charges. • "Buyer" means the party purchasing or receiving the goods, services, deliverables or other subject matter of a transaction. • "Business Account" means an Account registered or used by a company, organisation, sole proprietor or other permitted business user. • "Delivery Period" means the period agreed to by the buyer and seller for the seller to perform, dispatch, provide or complete the agreed delivery or other transaction obligation. • "Dispute" means a disagreement relating to a transaction that has been formally raised through the applicable Vyler dispute process. • "Didit" means the third-party identity-verification service integrated with Vyler for relevant identity, business and verification checks. • "Evidence" means information reasonably relevant to establishing what occurred during a transaction, including documents, photographs, delivery records, communications, tracking details, receipts, work records and other relevant material. • "Inspection Period" means the period agreed to by the buyer and seller during which the buyer may inspect or assess the delivered goods, services or deliverables and choose an available transaction outcome. • "Protected Funds" means transaction funds handled through TradeSafe's protected-funds service in connection with a Vyler transaction. • "Seller" means the party supplying, providing, delivering or performing the agreed goods, services, deliverables or other permitted subject matter. • "TradeSafe" means the third-party service provider integrated with Vyler to provide the applicable protected-funds functionality. • "Transaction" means an arrangement created or accepted through Vyler between a buyer and seller, including the agreed price, delivery obligations, inspection period, deadlines and applicable transaction conditions. • "Transaction Outcome" means the outcome established through the buyer's accepted transaction decision, an applicable deadline procedure, a Vyler dispute decision or another outcome expressly provided for by these Terms and the transaction-specific conditions. • "Vyler Fee" means the fee charged by Vyler for the applicable transaction service, calculated according to the fee schedule displayed and accepted for that transaction. • "User" means any individual or business using Vyler.

3.1 Minimum age Vyler is available only to individuals aged 18 years or older. You must be at least 18 years old when registering for an Account and when using Vyler. By registering, you confirm that you satisfy this requirement. Individuals under 18 may not independently operate Accounts under these Terms. 3.2 Business eligibility A business may use Vyler through an authorised representative who is at least 18 years old and has the legal authority to act on its behalf. The business must be lawfully established where registration is required by applicable law, and its information must be accurate and verifiable. 3.3 Geographic and legal restrictions Access to Vyler may be restricted where required by applicable law, sanctions, third-party service limitations, verification requirements or other legitimate compliance obligations. 3.4 Verification is mandatory Every User must complete the applicable verification process through Didit before being permitted to use the relevant transaction functionality.

4.1 Accurate information You must provide accurate, complete and current information when registering, completing verification, initiating a Transaction or responding to a verification request. 4.2 Identity verification through Didit Vyler uses Didit for applicable identity-verification and related verification functions. These may include identity-document checks, face-liveness checks, identity-photo comparison, business-registration checks, beneficial-ownership checks and other relevant screening procedures. 4.3 Documents and personal information Identity-document images and company-registration documents submitted through the applicable Didit workflow are processed through that service. Under Vyler's intended data-handling arrangement, those document images are not stored on Vyler's own servers. Vyler retains selected information and verification results needed to administer Accounts. 4.4 Failed, incomplete or inconsistent verification If verification fails, remains incomplete or produces inconsistent information, Vyler may request additional clarification, require another verification attempt, restrict access to features, decline a Transaction or suspend the Account.

5.1 Account security You are responsible for maintaining reasonable security over your Account credentials and the devices and contact methods used to access your Account. You must not knowingly permit another person to use your Account to impersonate you or engage in prohibited activity. 5.2 Unauthorised activity If you suspect that your Account has been compromised, you must notify Vyler promptly through support@vyler.co.za. 5.3 Account sharing Accounts must not be transferred, sold or shared in a way that misrepresents the actual User or circumvents verification and security requirements. 5.4 Account responsibility You remain responsible for actions taken through your Account to the extent those actions are attributable to you under applicable law and the circumstances.

6.1 The underlying transaction The underlying commercial agreement is between the buyer and seller. Vyler provides the platform through which the parties can establish and manage those arrangements. 6.2 Vyler's role Vyler provides transaction-management functionality, including: transaction creation and acceptance, recording agreed terms, configuring delivery and inspection periods, displaying fees, managing deadlines, supporting evidence submission, and administering the dispute-review process. Vyler does not become the buyer or seller merely because a Transaction is created through its platform. 6.3 TradeSafe's role TradeSafe provides the protected-funds service integrated with Vyler. The buyer's payment is processed through the applicable payment flow, and the funds are handled through TradeSafe's service according to the applicable arrangement. Vyler does not represent that funds are held in a bank account owned by Vyler, or that Vyler itself physically holds all Protected Funds. 6.4 Transaction outcomes and fund movement Vyler reviews Disputes and determines the applicable Transaction Outcome under these Terms and the agreed transaction conditions. The relevant outcome may require funds to be released to the seller, returned to the buyer or handled in another manner permitted by the applicable transaction arrangements.

7.1 Either party may initiate A verified User may initiate a Transaction as either the buyer or the seller, subject to available functionality. 7.2 Required transaction details The Transaction should specify: buyer and seller identity, goods or services description, Base Price, applicable Vyler Fee, selected fee-allocation model, delivery requirements, Delivery Period, Inspection Period, milestones, and additional terms. 7.3 Delivery and inspection periods The proposed periods become part of the Transaction when accepted through the applicable workflow. 7.4 Acceptance or rejection The receiving party may review the proposed Transaction and either accept or decline it. 7.5 Changes after acceptance Once accepted, neither party may unilaterally change a material transaction term unless permitted by these Terms.

8.1 Fee disclosure The applicable Vyler Fee will be displayed through the relevant Transaction or payment workflow. 8.2 Three fee-allocation models Vyler supports three fee-allocation models: • Model A: Buyer pays the entire Vyler Fee (Buyer pays Base Price + Vyler Fee; Seller receives full Base Price). • Model B: Seller pays the entire Vyler Fee (Buyer pays Base Price; Seller receives Base Price minus Vyler Fee). • Model C: Buyer and seller split the Vyler Fee equally (Buyer pays Base Price + 50% fee; Seller receives Base Price minus 50% fee). 8.3 Fee example (Assuming Base Price of R1,000 and total Vyler Fee of R30): • Model A: Buyer pays R1,030 | Seller receives R1,000 • Model B: Buyer pays R1,000 | Seller receives R970 • Model C (50/50): Buyer pays R1,015 | Seller receives R985 8.4 Bank charges and deductions A receiving bank may impose independent account fees or deductions under its own terms.

9.1 Payment requirement Where a Transaction requires advance payment, the buyer must complete the payment process. The seller is not required to commence delivery merely because the buyer indicated an intention to pay. 9.2 TradeSafe payment flow The buyer's payment is processed through TradeSafe's protected-funds service. 9.3 No payment outside the agreed flow Users must not misrepresent an external payment as a payment completed through Vyler. 9.4 Payment confirmation The seller should rely on official payment confirmation before commencing delivery. 9.5 Funds remain subject to the Transaction Protected Funds cannot be withdrawn or redirected outside the agreed Transaction workflow.

10.1 Accurate descriptions The seller must accurately describe the goods or services, quantity, condition, delivery requirements, and expected completion date. 10.2 Performance The seller must perform the obligations accepted in the Transaction in good faith. 10.3 Delivery evidence The seller must provide appropriate delivery evidence: dispatch/tracking information, photographs, signed delivery confirmations, work completion reports, and communications. 10.4 Commencing delivery The seller must not falsely indicate that delivery has begun before it has. 10.5 Completing delivery The seller must complete delivery within the agreed Delivery Period. 10.6 Failure to deliver If the seller fails to deliver, the buyer may request a refund or raise a Dispute.

11.1 Accurate transaction information The buyer must accurately describe requirements and provide required delivery instructions. 11.2 Payment The buyer must pay the agreed amount under the selected fee model. 11.3 Inspection The buyer must use the agreed Inspection Period to assess delivered goods or services promptly. 11.4 Available outcomes The buyer may: Accept the Transaction or delivery, or Raise a Dispute. 11.5 Failure to respond If the buyer fails to respond before the Inspection Period expires, the Transaction will proceed under the deadline release procedure. 11.6 No unjustified withholding The buyer must not use the Dispute process solely to delay payment or obtain unjustified concessions.

12.1 Agreed periods The Delivery Period and Inspection Period are selected for each Transaction and accepted by both parties. 12.2 Inspection begins The Inspection Period begins when the seller marks delivery complete and submits required delivery evidence. 12.3 Acceptance Acceptance by the buyer triggers the release of Protected Funds to the seller. 12.4 Inspection Period expires without a buyer decision Where the Inspection Period expires without acceptance or dispute, the seller may request release of funds under the deadline procedure. 12.5 Buyer disputes before the deadline Protected Funds remain secured while a dispute is reviewed. 12.6 Delivery deadline expires without completion If delivery is missed, the buyer may request a refund or raise a Dispute.

13.1 Seller cancellation before delivery begins The seller may cancel a Transaction before commencing delivery where the buyer has paid, subject to applicable terms. 13.2 Buyer requests for cancellation The buyer does not have an unrestricted right to unilaterally cancel a paid transaction merely due to change of mind. 13.3 Buyer refund requests A buyer may request a refund through the workflow where the seller failed to deliver or where supported by a dispute outcome. 13.4 Refund decisions Vyler evaluates the terms, evidence, deadlines, and circumstances to determine dispute outcomes and communicates with TradeSafe. 13.5 Refund processing Refunds are processed through the TradeSafe protected-funds workflow to the original payment source.

14.1 Who may initiate a Dispute The buyer is permitted to initiate a formal Dispute within the Inspection Period. The seller may respond, provide evidence, and challenge inaccurate claims. 14.2 Purpose of Dispute process To determine the Transaction Outcome based strictly on the relevant facts, agreed conditions, and submitted evidence. 14.3 Evidence required from both parties Both parties must supply photographs, work dockets, delivery tracking, and written communications. 14.4 Evidence must relate to the Transaction Unrelated, fabricated or misleading material is rejected. 14.5 Evidence-based decisions Vyler conducts neutral, fact-based evaluations without favoring either party based on role. 14.6 Human review Disputes are reviewed by authorised Vyler personnel. 14.7 Small claims court and external mechanisms Platform dispute decisions do not extinguish constitutional access to courts, Small Claims Court, or formal arbitration.

15.1 Suspension does not determine the Dispute Suspending an account for breach or investigation does not automatically decide who receives the Protected Funds. 15.2 Funds follow the applicable Transaction Outcome Funds are determined by the evidence of performance, not by suspension status alone.

16.1 General prohibition Users must not facilitate unlawful activity, fraud, deception, or abuse. 16.2 Prohibited conduct Identity fraud, fabricated delivery evidence, deadline manipulation, money laundering, and harassment are strictly prohibited. 16.3 Restricted categories Prohibited goods include counterfeit items, stolen property, unlawful financial instruments, and restricted goods. 16.4 Real estate and property deposits Vyler does not support real-estate purchases or rental deposits under its standard transaction offering.

Vyler may restrict, suspend or terminate an Account for false registration info, failed verification, suspected fraud, material breach of terms, or security threats. Immediate restrictions may be applied to protect user funds.

Personal information is processed strictly in accordance with POPIA and the Vyler Privacy Policy. Account information may be reviewed by authorised personnel for dispute handling, fraud prevention, security, and statutory audits. Vyler does not sell personal information.

Vyler relies on integrated services like TradeSafe and Didit. If an outage occurs, reasonable corrective action will be taken. Outages do not automatically penalise either party regarding deadlines.

The platform software, interface, branding, and documentation are owned by or licensed to CLEARHOLD (Pty) Ltd. Users retain rights to their submitted transaction evidence.

Vyler communicates electronically through email and in-app notifications. Contact and legal notices: support@vyler.co.za | CLEARHOLD (Pty) Ltd, Reg: 2026/035423/07.

Vyler provides transaction-management and dispute-review functionality. Vyler is not the seller of underlying goods or services and does not guarantee user performance. Verification reduces risk but does not eliminate all fraud risk.

To the extent permitted by South African law, Vyler is not responsible for losses arising solely from another user's breach or fraud. Nothing in these Terms excludes liability for gross negligence or statutory remedies that cannot be waived.

Users may be responsible for losses or reasonable costs directly caused by their unlawful conduct, fraud, fabricated evidence, or serious breach of these Terms.

Vyler may revise these Terms to reflect operational, legal or technical changes. Material changes will be communicated in advance. Existing transactions continue under the terms accepted at inception.

These Terms are governed by the laws of the Republic of South Africa. Competent South African courts and dispute tribunals retain jurisdiction.

These Terms, the Privacy Policy, and individual transaction terms constitute the entire agreement. If any provision is found invalid, the remaining provisions continue to apply. No waiver of any breach shall be construed as a continuous waiver.

CLEARHOLD (Pty) Ltd, trading as Vyler Company registration number: 2026/035423/07 Tax Number: 9430315243 Email: support@vyler.co.za Website: https://vyler.co.za

By creating an Account, accepting a Transaction or using Vyler services, you acknowledge that you are at least 18 years old, agree to verification, acknowledge that the underlying contract is between buyer and seller, and agree to the TradeSafe protected-funds escrow protocol.