erms and not to use the Services for any activity that is expressly prohibited or restricted by those terms. Any obligations relating to the provision of payment processing and fund transfer services are owed to you by the Payment Service Provider, not Spotify. You expressly acknowledge and agree that: (a) we are not an agent of the Payment Service Provider and we do not provide or offer payment services on behalf of a Payment Service Provider, or otherwise; (b) we are not, nor should anything in these Terms be construed to imply that we are acting in any way under a mandate conferred by the Payments Service Provider; (c) we are not an escrow service, money aggregator, money remitter or money transmitter; (d) the Payment Service Provider is not our agent