SPONA ERP — LEGAL DOCUMENTS

2026-10-11 · 1.30

English is the governing language of the Terms to the extent permitted by law.

# Financing disclosures

## 1. Roles and scope

Top Digital d.o.o., MBS 081170998, OIB 72317551155, VAT ID HR72317551155, Vladimira Nazora 23, 49210 Zabok, Croatia, administers the financing service on the Spona platform. The financier and all contracting parties are identified in the documents for the individual transaction. The administrator is not automatically the financier or the party assuming payment risk. Spona’s ERP provider is Top Digital Agency Limited, Ireland, company number 642562, VAT ID IE3613706OH. Financing is optional; you may use the free ERP without it. No banking licence, regulatory exemption or approval of a transaction is asserted by this page. Valoris Capital d.o.o. provides the financing and makes financing decisions. Spona acts as agent and coordinates applications and contracts.

## 2. Two financing directions

As a supplier, you may request earlier payment on an eligible unpaid amount; the agreed fee is deducted and your client pays the original financed amount on the agreed date to the party named in the payment instructions. As a client, you may request more time to pay; your supplier receives the financed amount and you pay that amount plus the agreed fee on the agreed later date. These are separate alternatives. A company’s role depends on the transaction. A counterparty invitation is an invitation to review information, not approval or an obligation to accept financing.

## 3. Requests and eligibility

Businesses worldwide may submit financing requests. Each request is assessed individually, including the country, parties, transaction and applicable requirements. Submission does not guarantee availability, an offer or approval. A request may start from a completed, client-confirmed Work stage, an eligible accepted purchase order, an eligible unpaid sales invoice or the direct questionnaire. Internal projects cannot be financed. Provide accurate business and transaction information, the requested documents and relevant identity or business-verification information. Do not submit fictitious, disputed, previously assigned or encumbered amounts, conceal restrictions on transfer, duplicate a financing request for the same exposure or manipulate amounts and dates. Inform Spona promptly of disputes, payments or changes. Supporting records, confirmations and an invitation do not guarantee eligibility. Spona or the identified financier may decline or request further information.

## 4. Fees and payment dates

The website illustrates a single one-time transaction fee of 2,95% for 30 days, 6,38% for 60 days and 9,99% for 90 days, calculated on the financed amount. For EUR 10.000 these examples are EUR 295, EUR 638 and EUR 999. The calculator is not a binding offer. The agreement confirms the actual amount, fee, applicable tax treatment, due dates and any consequences of late payment before you accept. There is no separate additional platform administration fee under this offer. Changes to published pricing do not change a signed transaction. Payment timing follows the agreement and completion of its conditions; no same-day or one-business-day payout is promised by the website.

## 5. Review, signing and payment

After submission, Spona reviews the request and may ask for additional information or documents. If an offer is made, review its conditions and the parties involved. Complete required verification and signing by all required parties before payment is arranged. Follow requests, responses, documents and status in the financing workspace. A signed status is separate from payment: Spona records when funds have actually been sent. The agreement determines the recipient and payment direction. Where a receivable is assigned, the applicable agreement and notice identify the new recipient of payment; follow verified payment instructions and report any conflicting request. All data, price indications, terms, timelines and specifications displayed or generated through this platform are exclusively indicative, informational and non-binding in nature. Accepting an indicative offer requests preparation of the separate transaction contract; it is not a signature or a payment instruction. Spona may provide a contract PDF for download, signing and return, or a secure DocuSign signing link. Required signatures must be checked and confirmed before the signature step is completed. Opening a link or uploading a copy does not itself confirm completion.

Company registration and beneficial ownership are checked manually by Spona. Company register extracts, beneficial ownership extracts and bank account confirmation documents are not part of the standard client upload checklist. Payout account details and any necessary holder checks remain required. A future Fina connection is not active. Identity uploads are requested with the contract, not as a condition of initial application submission. Financing cannot be paid until the required manual checks, current identity review, signatures and other payment conditions are complete.

## 6. Non-payment and disputes

Financing does not insure payment or remove all commercial risk. The transaction agreement determines liability if the original debtor does not pay, including whether payment may be demanded from the supplier, relevant deadlines, permitted charges and remedies. Review those provisions before signing. Notify Spona and the named financing counterparty promptly of a dispute or a payment received contrary to assignment instructions. Where the agreement requires onward transfer, follow its stated deadline. ERP confirmation does not waive rights that cannot lawfully be waived. General website copy neither replaces nor changes an existing agreement.

## 7. Documents, privacy and access restrictions

Only provide information relevant to the request and ensure you have authority to share it. Relevant data may be disclosed to the identified financier and authorised providers for verification, review and fulfilment of the transaction, under their disclosed roles and privacy notices. It does not give them access to your entire ERP workspace. Marketing choices remain separate. Access may be suspended for suspected fraud, disputed transactions, missing verification or breach, with notice of the grounds within three business days unless prohibited by law. General privacy rights and the applicable DPA remain unaffected.

Signatory identity checks take place when a financing contract is supplied, whether signing uses an uploaded PDF or a secure signing link. We collect the signatory’s name and clear copies of the front and back of their identity card, together with upload dates and review decisions, to verify the person signing in the financing process with Valoris Capital d.o.o. Authorised financing reviewers and company members with signing permission can access these private records. Do not upload unrelated persons’ documents. Provide both sides again one calendar year after upload, or earlier if the signatory or document changes. This is a renewal rule for verification, not the identity card’s official expiry date or an automatic deletion period. No biometric matching or automated identity decision is performed by this upload workflow.

## 8. Financing records and optional analytics

Application, verification, review, signing and payment-status records are processed for the financing service under the applicable notices, agreements and legal bases. Refusing optional website or ERP browser analytics does not prevent submission and is not an approval criterion. Operational reporting must distinguish submitted requests, decisions, signed agreements and recorded funds sent; a browser click is not approval or payment. Additional marketing, profiling or unrelated product-research uses require their own applicable basis and safeguards; accepting financing terms is not blanket consent to those uses.