Terms of Service

Last updated: January 15, 2026 · Effective immediately · Ra PmtWA · aycakalmaz5@gmail.com

1. Acceptance of these terms

These Terms of Service (the "Terms") form a binding agreement between you and Ra PmtWA ("we", "us", "our"). They govern your use of:

• The website located at rapmtwa.com (the "Website"),
• All mobile applications published by Ra PmtWA on the Apple App Store, Google Play, and any other storefront we may distribute through (each, an "App", together the "Apps"), and
• All related services, content, and features (together with the Website and the Apps, the "Services").

By installing, copying, downloading, accessing, or otherwise using the Services, you confirm that you have read, understood, and agreed to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not use the Services.

2. Changes to these terms

We may update these Terms from time to time. The "Last updated" date at the top reflects when the latest changes took effect. For material changes, we will give you reasonable advance notice — for example, an in-app notice, an email, or a banner on the Website — at least 14 days before the changes take effect, unless a shorter period is required by law. Your continued use of the Services after the effective date constitutes your acceptance of the updated Terms.

3. Eligibility & age requirements

You must be at least the age of digital consent in your country to use the Services. Specifically:

• You must be at least 13 years old (or older where required by local law, such as 14 in the Republic of Korea, 16 in certain EU member states, or 18 elsewhere).
• If you are accepting these Terms on behalf of an organization (such as your employer), you represent that you have authority to bind that organization, in which case "you" refers to that organization.
• If you are a parent or legal guardian and you believe your child is using the Services without your consent, please contact us so we can assist.
• We do not knowingly collect personal data from children under 13, in line with the U.S. Children's Online Privacy Protection Act (COPPA), the UK Age Appropriate Design Code, the EU GDPR-K guidance, and equivalent laws worldwide. See our Privacy Policy §12 for more.

4. Accounts & security

Some features (such as the mobile management companion app) require an account. When you create an account, you agree to:

• Provide accurate, current, and complete information.
• Keep your information up to date.
• Maintain the security of your device and credentials, including by enabling two-factor authentication where available.
• Promptly notify us at aycakalmaz5@gmail.com of any unauthorized use of your account.
• Accept responsibility for all activities that occur under your account.

We may offer sign-in via Google, Apple, or other supported identity providers. Use of those providers is subject to their own terms, which you accept by signing in.

5. License to use the Services

Subject to your compliance with these Terms and applicable law, we grant you a personal, worldwide, royalty-free, non-exclusive, non-transferable, non-sublicensable, revocable license to:

• Install and use one copy of each App on a device that you own or control, for your personal, non-commercial use (unless a separate written agreement with us says otherwise).
• Access and use the Website for your personal, non-commercial use.

This license is conditional and continues only as long as you comply with these Terms. The license automatically terminates if you breach any provision of these Terms or our Privacy Policy.

6. Intellectual property rights

All rights, title, and interest in and to the Services — including the source code, object code, design, graphics, logos, mascots, characters, illustrations, audio, video, copy, and trademarks — are owned by Ra PmtWA or our licensors and are protected by copyright, trademark, trade dress, patent, trade secret, and other intellectual property laws.

Except for the limited license expressly granted in section 5, no rights are transferred to you. "Ra PmtWA", our logos, our mascots (including our fox, panda, penguin, koala, and cat characters), and our App names are trademarks of Ra PmtWA. All other trademarks appearing on the Services are the property of their respective owners.

You may not copy, modify, distribute, sell, lease, reverse engineer, decompile, or attempt to extract the source code of the Services, except to the extent this restriction is prohibited by applicable law.

7. User content & feedback

Some Services may let you post, upload, or submit content, including text, screenshots, support tickets, and feedback ("User Content"). You retain all rights you already hold in your User Content. You grant us a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to host, store, reproduce, modify (for formatting), publish, and display your User Content for the purpose of operating, developing, and improving the Services.

You represent and warrant that you own or have the necessary rights to your User Content, and that your User Content — and our use of it as described in these Terms — does not and will not violate the rights of any third party or any law.

Feedback you provide (including ideas, suggestions, and improvement requests) is not confidential, and we may use it for any purpose without compensation to you.

8. In-app purchases, subscriptions & virtual items

Our Apps may offer in-app purchases, including one-time purchases, auto-renewing subscriptions, and consumable virtual items. These transactions are processed by the relevant app store (Apple App Store or Google Play) under their own terms.

• Billing: charges for in-app purchases are billed to your Apple ID or Google Play account at the time of purchase.
• Subscriptions: subscriptions automatically renew at the end of each billing period unless you turn off auto-renew at least 24 hours before the end of the current period. You can manage or cancel subscriptions in your account settings on the relevant store.
• Free trials: if a free trial is offered, you will be charged at the end of the trial unless you cancel beforehand. We will notify you in-app before the trial ends where required by law.
• Pricing changes: we may change subscription prices for subsequent billing periods, with reasonable notice as required by law. Continued use after the change takes effect constitutes acceptance of the new price.
• Refunds: refunds are handled by the app store. By default, all sales are final, except where required by law (for example, under EU consumer law, the UK Consumer Rights Act, or Australian Consumer Law).
• Taxes: prices may include or exclude applicable sales tax, VAT, GST, or other transaction taxes, depending on your location and the app store's rules.
• Virtual items: virtual items, currency, and other digital entitlements are licensed, not sold. They have no real-world monetary value and are non-transferable.

9. Third-party services & advertising

The Services may contain links to third-party websites, services, or content that we do not own or control. We provide these links for your convenience; we do not endorse and are not responsible for the availability, accuracy, content, privacy practices, or legality of any third-party service. Your use of any third-party service is at your own risk and subject to that third party's terms.

Our free-to-play Apps display advertising served by the ad networks and ad-mediation platforms described in our Privacy Policy §8, including Google AdMob, AppLovin, Unity Ads, ironSource, Meta Audience Network, and others. By using a free-to-play App, you acknowledge that advertising is part of the experience and consent to the limited data practices of those ad partners as described in our Privacy Policy.

You may opt out of personalized advertising via the in-app "Privacy & Consent" dialog, the iOS Settings > Privacy > Tracking screen, or the Android "Opt out of Ads Personalization" setting.

10. App Store & Google Play terms

10.1 Apple App Store

If you obtained an App from the Apple App Store, you acknowledge and agree that:

• These Terms are between you and Ra PmtWA only, not Apple Inc. ("Apple"), and Ra PmtWA is solely responsible for the App and its content.
• Apple has no obligation to furnish any maintenance or support services for the App.
• In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any) for the App. To the maximum extent permitted by law, Apple will have no other warranty obligation with respect to the App.
• Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession and use of the App, including product liability claims, claims that the App fails to conform to legal or regulatory requirements, and claims under consumer protection or similar laws.
• In the event of any third-party claim that the App or your possession and use of the App infringes that third party's intellectual property rights, Ra PmtWA (not Apple) is solely responsible for the investigation, defense, settlement, and discharge of that claim.
• You must comply with all applicable third-party terms when using the App (for example, your wireless data service agreement).
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
• You represent and warrant that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.

10.2 Google Play

If you obtained an App from Google Play, you acknowledge and agree that:

• These Terms are between you and Ra PmtWA only, not Google LLC ("Google"), and Ra PmtWA is solely responsible for the App.
• Your use of the App is subject to the Google Play Terms of Service.
• Google is not a party to these Terms and bears no responsibility for the App or its content.
• Google may make changes to Google Play that affect the App; we are not responsible for such changes.
• For apps designated for children (Designed for Families), additional Google Play Families Policy requirements apply, including restrictions on advertising and analytics SDKs.

11. Prohibited conduct

When using the Services, you agree not to:

• Violate any applicable law, regulation, or third-party right.
• Use the Services for any unlawful purpose or in any way that could damage, disable, overburden, or impair our infrastructure.
• Attempt to gain unauthorized access to any part of the Services, other accounts, computer systems, or networks connected to the Services.
• Use any robot, spider, scraper, or other automated means to access the Services or extract data, except as permitted by our robots.txt.
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Apps (except to the extent this restriction is prohibited by law).
• Upload or transmit viruses, malware, or any other malicious code.
• Interfere with or disrupt the integrity or performance of the Services or the data contained therein.
• Harvest or collect personal data of other users.
• Use the Services to harass, abuse, threaten, defame, or harm another person.
• Circumvent any technological measure implemented by us or any third party in connection with the Services.
• Use cheats, hacks, exploits, or unauthorized automated tools in our games.
• Resell, rent, lease, or otherwise commercially exploit the Services without our prior written consent.

12. Disclaimers & no warranty

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. WE AND OUR LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, FREE OF HARMFUL COMPONENTS, OR FREE OF UNAUTHORIZED ACCESS. WE DO NOT WARRANT THAT DEFECTS WILL BE CORRECTED OR THAT THE SERVICES WILL MEET YOUR PARTICULAR REQUIREMENTS.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

Some jurisdictions do not allow the exclusion of certain warranties; in such jurisdictions, the exclusions above apply to the maximum extent permitted by law.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE, OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;
• LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES;
• DAMAGES RESULTING FROM (A) YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICES; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES; (C) ANY CONTENT OBTAINED FROM THE SERVICES; OR (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT;

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

IN ANY EVENT, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID US (IF ANY) FOR USE OF THE RELEVANT SERVICE IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (for example, liability for death or personal injury caused by negligence, or for fraud).

14. Indemnification

You agree to defend, indemnify, and hold harmless Ra PmtWA and our affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any third-party right, including intellectual property or privacy rights; or (d) any claim that your User Content caused damage to a third party.

15. Termination & suspension

We may suspend or terminate your access to all or part of the Services at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties. You may stop using the Services at any time. Upon termination:

• All licenses granted to you under these Terms will immediately end.
• We may delete your account and any data associated with it, subject to our retention obligations described in the Privacy Policy.
• Provisions of these Terms that by their nature should survive termination will survive, including ownership, disclaimers, indemnity, limitations of liability, and dispute resolution.

16. Governing law & dispute resolution

16.1 Governing law

These Terms are governed by the laws of the jurisdiction in which Ra PmtWA is established, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

16.2 Informal resolution first

If you have a dispute with us, please contact us at aycakalmaz5@gmail.com first. We will try to resolve the dispute informally within 30 days of notice. If we cannot, you or we may pursue formal resolution as described below.

16.3 Arbitration (where permitted)

Where permitted by applicable law, any unresolved dispute will be resolved by binding individual arbitration, not in court. Arbitration prevents you from suing in court or participating in a class action. You may opt out of arbitration by sending written notice within 30 days of first accepting these Terms.

16.4 Exceptions

Either of us may bring a lawsuit in a court of competent jurisdiction for injunctive or equitable relief to prevent or stop infringement of intellectual property or misuse of confidential information, without first engaging in informal resolution or arbitration.

16.5 EU & UK consumers

If you are a consumer in the EEA, the United Kingdom, or Switzerland, you may also bring proceedings in the courts of your country of residence, and the mandatory consumer protection laws of your country of residence apply.

16.6 California residents

Under California Civil Code §1789.3, California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 N. Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

17. Miscellaneous

• Entire agreement: these Terms, together with the Privacy Policy and any policies referenced within, constitute the entire agreement between you and us regarding the Services.
• Severability: if any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
• No waiver: our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.
• Assignment: you may not assign these Terms without our prior written consent. We may assign these Terms to any of our affiliates, or in connection with a merger, acquisition, or sale of assets.
• Force majeure: we will not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including acts of God, war, terrorism, pandemics, internet or telecommunications outages, or platform outages.
• Headings: section headings are for convenience only and have no legal effect.
• Language: these Terms are written in English. Any translation is provided for convenience; in case of conflict, the English version prevails.

18. Contact us

If you have any questions about these Terms, please contact us:

• By email: aycakalmaz5@gmail.com
• By website: rapmtwa.com/contact
• Subject line prefix: "Terms" — helps us route your message quickly.

© 2026 Ra PmtWA. These terms are also accessible in-app via Settings > Legal.