Онлайн-сервіс Willupay - зручна система, що спрощує управління боргами та орендними договорами. PROTECT YOUR RELATIONSHIPS FROM FINANCIAL RISKS Online service that simplifies private debt management and rental agreements USE NOW - IT'S FREE DISCOVER HOW WILLUPAY CAN HELP ARE YOU RENTING OUT OR LEASING PROPERTY? Renting out your apartment knowing nothing about the tenant? Afraid your tenant doesn't work anywhere, gambles, and has a pile of debts? Want to organize your payment schedules? Keep asking every time if your payment has been received? Bored of regular chatting about utilities? Leave it behind and try WillUpay! GET STARTED LENDING OR BORROWING MONEY? Lending money to friends and relatives at your own risk because it's uncomfortable to say “no”? Borrowing money without any written agreements or guarantees? Feeling like a debt collector every time you remind about the payment? Often forget when, how much, and to whom you lent or owe money? Consider reliable tracking loans in Excel, Telegram or notes? You definitely need WillUpay! TRY NOW PROTECT YOUR RELATIONSHIPS FROM THE DISCOMFORT OF FINANCIAL OBLIGATIONS Check Creditworthiness Before signing on a loan or rental agreement, check the person's credit history. The service will show existing debts and a repayment discipline. Keep track of Loan and Rental Agreements Store all agreements on rentals or loans to ensure the terms are followed. WillUpay reminds on next payments Tick, add, confirm payments and plan your personal finances. START USING NOW AND EXPERIENCE ALL BENEFITS OF THE SERVICE Time and Nerves saving A few clicks and all your agreements are gathered in one place. Now there's no need to track all payments, because WillUpay does it for you! Finances Become Simpler The service helps you better understand your finance, offering helpful tips and convenient forms. It is Safe and Confidential WillUpay guarantees your data protection. We know it contributes to better sleep :) GO REGISTER 1 Easy register using your email 2 Create loan or rental agreements using simple (guaranteed!) forms 3 Manage changes and statuses of agreements with WillUpay HOW TO START? START NOW 98% OF WILLUPAY USERS RECEIVE RENTAL PAYMENTS AND BORROWED MONEY ON TIME "I've lent money to friends several times and got burned more than once. So I'm learning from my mistakes, and now, first of all, I will check a person's credit history on WillUpay!" Ivan

Terms of Use of the WillUpay Website This document establishes the rules and conditions for using the website www.willupay.com (hereinafter referred to as the "Website"), which serves as a platform for simplifying financial relationships between users, as well as for registering and tracking loans, debts, rental agreements, and/or obtaining credit reports by users of the Website with the option to share them with other users. By using the Website, you confirm your agreement to the terms outlined below. 1. General Provisions 1.1. These Terms of Use (hereinafter referred to as the "Terms") govern the relationship between the Private Joint-Stock Company "International Bureau of Credit Histories" (hereinafter referred to as the "IBCH"), legal entity identification code: 34299140, registered address: Kyiv city, 65, Beresteiskyi avenue (hereinafter referred to as the "Administration"), and the users (hereinafter referred to as the "User") regarding the functionality and services available on the Website. 1.2. Accessing and using the Website implies full acceptance of these Terms. If you do not agree with the Terms, please refrain from using the Website. 1.3. The Administration reserves the right to amend these Terms at any time by notifying Users on the Website. 2. Registration and Use of the Account 2.1. To use the Website, the User must create an account by completing the registration form and providing accurate and up-to-date information. 2.2. The User confirms that they are of legal age, legally competent, and not restricted from entering into legally binding agreements. 2.3. The User agrees to keep their login credentials (username and password) confidential and not to share them with third parties. Any actions performed under the User's account are considered to be carried out by the User. 3. Use of the Website 3.1. The Website provides users with the ability to obtain credit reports, share them with other users, and track loans, debts, and rental agreements between users. However, it does not perform the functions of a creditor or payment guarantor. 3.2. All information entered by the User on the Website must be accurate and truthful. The Administration is not responsible for incorrectly entered data. 3.3. The User agrees to use the Website solely within the framework of applicable Ukrainian law and to refrain from any actions that may violate the rights of other users or third parties. 4. Protection of Personal Data 4.1. The Administration undertakes to ensure the confidentiality and security of Users' personal data in accordance with the Data Processing Terms posted on the Website. 5. Limitation of Liability 5.1. The Administration is not responsible for any damages or losses arising from the use or inability to use the Website. The information, products, or services offered on this Website are provided "as is" without any explicit or implied warranties of any kind, including but not limited to warranties of merchantability or fitness for a particular purpose. Under no circumstances does the Administration guarantee the correctness, comprehensiveness, completeness, accuracy, timeliness, merchantability, or suitability of any information, products, or services on this Website for any specific use or purpose. The information, products, and services available on this Website may contain technical inaccuracies or typographical errors. 5.2. The Website does not guarantee or ensure the repayment of loans, debts, the fulfillment of obligations under rental agreements, or the performance of any other obligations between Website users. Responsibility for fulfilling such obligations lies solely with the parties to the respective agreements. 6. Intellectual Property 6.1. All content on the Website, including text, graphics, logos, and software code, is the property of the Administration or is used with the appropriate permissions. 6.2. Copying, distributing, modifying, or using the Website content without prior written consent from the Administration is prohibited. 7. Termination of Access 7.1. The Administration reserves the right to restrict or terminate the User's access to the Website in case of a violation of these Terms or suspected unlawful activity. 8. Links to Other Websites 8.1. The Website contains links to third-party websites. The Administration makes no representations or warranties regarding any third-party websites that the User may access through these links. Providing links to these websites does not constitute approval, endorsement, or acceptance of responsibility for the content or use of these websites by the Administration. 9. Use of Trademarks 9.1. The trademark “WillUpay” is in the process of registration, after which it will belong to the Administration. The “IBCH” logo used on the Website is registered under the Administration. Other product and company names mentioned herein may be trademarks of their respective owners, and the Administration has obtained consent for their use on the Website. The use of the “WillUpay” trademark or the “IBCH” logo by third parties without prior written consent from the Administration is prohibited and will be prosecuted under applicable Ukrainian law. 10. Final Provisions 10.1. These Terms constitute the entire agreement between the Administration and the User regarding the use of the Website and supersede any prior agreements. 10.2. In case of any questions, the User may contact the Administration via the contact details provided on the Website. 10.3. The Administration reserves the right to change, modify, or add to the Terms of Use of the Website or any part thereof, as well as the information, products, or services offered through the Website. Such changes, modifications, additions, or deletions become effective immediately upon notice, which may be provided by any means, including posting on the Website or otherwise. You agree to periodically review this page to stay informed about any such changes, modifications, additions, or deletions to the Terms herein. Your continued use of the Website after such notice constitutes acceptance of the changes, modifications, additions, or deletions. Last Updated: December 27, 2024.

Privacy Policy Last update: 2025-04-07 Welcome to willupay.com! We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains what data we collect, how we use it, and what your rights are. 1. What information do we collect? We may collect the following categories of personal data: • Information you provide yourself: name, email, phone number, payment details. • Automatically collected data: IP address, cookies, device and browser data. • Financial information: payment history, transactions (if applicable). 2. How do we use your data? Your data may be used for: • Providing website services and processing payments. • Improving site functionality. • Fraud protection and transaction security. • Marketing mailings (only with your consent). 3. Cookies and analytics We use cookies to improve the website. You can change the cookie settings in your browser. 4. Who do we share your data with? We may transfer personal data to third parties only in the following cases: • To process payments through payment systems. • As required by law (for example, at the request of government authorities). 5. How do we protect your data? We use modern security measures to protect your data from unauthorized access, loss, or alteration. 6. Integration with Google Calendar. With your consent, payment reminders may be added to Google Calendar. This only occurs after explicit confirmation from you through the Google authorization process. You can revoke this consent at any time through your Google account settings. All data transmitted between our service and Google Calendar is stored according to the same security standards described in the Privacy Policy. 7. Your rights You have the right: • Access your data. • Request their correction or deletion. • Opt out of marketing emails. 8. Changes to the Privacy Policy We may update this policy. The new version will be posted on the site. 9. Contacts If you have any questions, contact us: 📧 Email: [info@willupay.com]