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Payments Terms of Service for Non-European Users If you reside in, or the organization you are acting for is established in, the United States, the arbitration agreement and class actions waiver in Section 15 apply to you. Please read them carefully. These Payments Terms of Service for Non-European Users (“Payments Terms”) are a binding legal agreement between you and xadat Payments that govern the Payment Services (defined below) conducted through or in connection with the xadat Platform. When these Payments Terms mention “XADAT Payments,” “we,” “us,” or “our,” it refers to the xadat Payments company you are contracting with for Payment Services. xadat Payments provides payments services to Members publishing, offering and booking Accommodations, Experiences or other Host Services, including services in connection with the Open Homes Program and other current and future services provided via the xadat Platform. These payment services may include (if available) the following (collectively, “Payment Services”): Collecting payments from Guests (“Payin”), by charging the payment method associated with their xadat account, such as credit card, debit card, bank account or PayPal account (“Payment Method”); Effecting payments to Hosts (“Payout”) to a financial instrument associated with their xadat account, such as a PayPal account, bank account, a prepaid card, or a debit card (“Payout Method”); Effecting payments to a third-party Payout Method designated by a Host; Collection and payment of charitable donations; Payment collection services; and Other payment-related services in connection with Host Services. In order to use the Payment Services, you must be at least 18 years old, must have an xadat account in good standing in accordance with the xadat Terms of Service (“Terms”), and must keep your payment and personal information accurate and complete. Payment Services will be provided by the contracting entity based on your country of residence subject to any exceptions described below: COUNTRY OF RESIDENCE CONTRACTING ENTITY United States xadat Payments, Inc. (“XADAT Payments US”) China (for purposes of these Payments Terms does not include Hong Kong, Macau and Taiwan) (hereinafter “China”) xadat Internet (Beijing) Co., Ltd. (“XADAT China”) except: when you book a Host Service outside of China; or when you create a Listing located outside of China; or when you book a Listing in China with a Host who is not a resident of China, in which cases you are contracting with xadat Payments UK Ltd. ("xadat Payments UK") India xadat Payments India Pvt. Ltd. (“XADAT Payments India”) except: when you book a Host Service outside of India; or when you create a Listing outside of India, in which case you are contracting with xadat Payments UK. Notwithstanding anything to the contrary in this table, if you create a Listing in India, the following rules apply: if you accept a booking from a Guest who is a resident of India, regardless of your country of residence, you are contracting with xadat Payments India; and if you accept a booking from a Guest who is not a resident of India, regardless of your country of residence, you are contracting with xadat Payments UK. Australia xadat Payments UK except: when you book a Host Service, in which case you are contracting with xadat Payments Australia Pty. Ltd. (“XADAT Payments Australia”) Brazil xadat Pagamentos Brasil Ltda. ("xadat Payments Brazil") All other countries xadat Payments UK If you change your country of residence, the xadat company you contract with and the applicable version of the Payment Terms will be determined by your new country of residence from the date on which your country of residence changes. Please note, however, that the xadat Payments company with whom you contract will stay the same for all bookings made prior to your change of residence. The Terms separately govern your use of the xadat Platform. If you see an undefined term in these Payment Terms, it has the same definition as in the Terms.