Terms & Conditions

PAYWISER PRIVACY POLICY

Last updated: October 1, 2022

This Privacy Policy includes important information about your personal data and we encourage you to read it carefully.

1. INTRODUCTION

PAYWISER d.o.o., Bravničarjeva ulica 13, 1000 Ljubljana, Slovenia (or “PAYWISER”) obtained an authorization to provide electronic money issuance and payment services in EEA from the Bank of Slovenia in accordance with the Slovenian Payment Services, Services of Issuing Electronic Money and Payment Systems Act.

We provide technical solutions for payment processing and issuing for personal and commercial use (PAYWISER issuing service). Businesses of all sizes use our software and services to accept payments and manage their businesses online (PAYWISER acquiring service).

While providing products and services, PAYWISER processes personal data with utmost care and responsibility and in compliance with the national and EU Data Protection Regulation, specially the Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) (hereinafter the Regulation or GDPR).

PAYWISER commits to safety and privacy of your personal data. GDPR does not apply to information about legal entities (e.g., limited liability companies), yet it does apply to individuals that are related to legal entities.

This Privacy Policy (hereinafter Policy) provides general information about our personal data processing activities. This document describes how we collect and use your personal data and how we share it, your rights, especially your data subject rights, including the right to object to some uses of your personal data by us, and how you can contact us about our privacy terms and measures.

We may provide this notice in languages other than English. If there are any discrepancies between other language versions and the English language version, the English language version is authoritative.

If you have concerns about how we use your personal data, you can contact the person authorized for the data protection (“DPO”) on [email protected]

1.1 DEFINITION OF TERMS WE USE IN THIS POLICY

“PAYWISER” or “we / our / us” stands for the Paywiser d.o.o. entity responsible for the collection and processing

of personal data under this Privacy Policy in the frame of providing our Services.

“Personal data” means any information that relates to an identified or identifiable individual and can include information related to you which: (a) we know about you (for example, if you are an individual or a director of a company applying for a business relationship with PAYWISER, we may ask you to provide identification documents) and (b) can be used to personally identify you (for example, a combination of your name and postal address).

“Services” stands for all PAYWISER-provided products (devices, applications, such as web-application, mobile app, Merchant Dashboardb etc.) and services (e.g., issuing, acquiring, payment processing, payment gateway services etc.).

“Service Provider” refers to PAYWISER.

“Business Relationship” means any of PAYWISER-provided Services based relationship between PAYWISER and you (such as business relationship between PAYWISER and Merchant for providing of acquiring services, business relationship between End User and PAYWISER for providing of payment card, etc).

“Merchant’ or ‘you / your” refers to any legal entity entering into business relationship with us and, where applicable, it’s duly authorized representatives and successors.

“Service User” or “you” is the user of products and/or services provided by PAYWISER. Since we provide services for commercial and/or personal use, depending on the context, “you” can relate to the Merchant and can also relate to:

(i) the Representative, when you are acting on behalf of the Service User (e.g., you are a founder of a company, or administering a business relationship with PAYWISER for a Merchant, who is a Service User);

(ii) the End User, when you directly use a PAYWISER-provided Services for your individual personal use;

(iii) the Customer, when you do business with, or otherwise transact with a Service User (typically a Merchant using Services);

(iv) the Potential Service User, when you visit our website or web-application (e.g., you send us a message asking for more information because you are considering being a user of our products or services).

2. WHO IS THE CONTROLLER OF YOUR PERSONAL DATA?

PAYWISER d.o.o., with its registered office at the address Bravničarjeva ulica 13, 1000 Ljubljana, Slovenia. The Data Protection Officer is available via paper post on the registered office address and via e-mail: [email protected]

Depending on the activity, PAYWISER acts as a “Data Controller” or “Data Processor”.

PAYWISER is the ‘Processor’, processing your personal data on behalf of the ‘controller, if you are a Customer of a certain company (e.g. Merchant) that uses PAYWISER-provided Services, or one of its employees who uses the Services, when we provide to the Merchant integration and access to Gateway Software and technical support necessary for acceptance of the Cards on Merchant Website and settling payment transactions. In this case the Merchant as the Service User is the controller of your personal data and should provide you appropriate information about how it processes your personal data and the appropriate contact to receive your Data Subject Right Requests such as request to get information on the processing of your personal data, request to access, correction, deletion or portability of their personal data and objection to processing including objecting to processing for direct marketing purposes, which includes profiling to the extent that it is related to such direct marketing.

3. HOW DO WE COLLECT YOUR PERSONAL DATA AND WHICH DATA CATEGORIES WE PROCESS?

We collect your personal data when (a) you use our website at www.paywiser.com; (b) you use one of our business applications (such as E-commerce website, internet payment pages, mobile app etc.) and (c) you use any of the Services available to you through the our business applications or website.

We may also collect your personal data from other people or companies or other sources.

Type of personal data	We collect information, when:	We collect the following data categories:
Information you give us	– you fill in any forms – you correspond with us – you register to use any of our business applications – you enter into a Business Relationship with PAYWISER (as an individual/End User or as a Representative), or otherwise use any of our Services – you take part in online discussions or promotions – you speak with a member of our social media or customer support teams (e.g., through our social media pages, website, via e-mail) – you enter a competition or share information with us on social media – contact us for other reasons	– your name, address, and date of birth – your email address, phone number and details of the device you use (e.g., your phone, computer or tablet) – your registration information – your ownership interest in the Service User (e.g., in Merchant) – your political exposure – details of the relevant PAYWISER business relationship you are associated with (if relevant, including the account number, sort code, vIBAN) – details of your PAYWISER payment cards, including the card number, expiry date and Card Verification Method (CVM Code – the last three digits of the number on the back of the card) – copies of your identification documents (e.g. your passport) including place and date of birth, citizenship, number if ID document, the name of the issuer of the ID document, date of issue and date of validity of the ID document, a photo of the ID document, and any other information you provide to verify your identity and to prove you are eligible to use our services – your country of residence, tax residency information and tax identification number – records of our discussions, if you contact us or we contact you (including records of phone calls) – your image in photo or video form (where required as part of our due diligence Know-Your-Customer (KYC) and Know-Your-Business (KYB) checks, to verify your identity, including your photo taken by yourself for a facial recognition (sensitive data) – if relevant, your bank account information (e.g., account owner information, account number and details) – information about other people (such as your family, the company’s shareholders, directors, employees, customers or business partners) where we are legally required to ask for such information (for example, as part of KYC or KYB checks or under anti-money laundering laws and to assist with fraud monitoring) Where you, or your company, give us personal data about other people, you are responsible for ensuring that they understand how we will process their personal data.
Information collected from your use of our products and services	you use our website or the business application (e.g., mobile app, Paywiser Dashboard etc.)	– technical information, including the internet protocol (IP) address, the browser type and version, the type of device you use, a unique device identifier, mobile network information, your mobile operating system, the type of mobile browser you use – information about your visit, services you viewed or searched for, page response times, download errors, length of visits to certain pages, methods used to browse away from the page – information on Transactions (e.g., payments into and out of your Paywiser account), including transactions you carry out as a Merchant’s Customer, your name, billing and shipping address, the date, time, amount, currencies, exchange rate, details of the Merchant with the transaction (including merchants’ locations),
Information from your employer	a company that has a business relationship with PAYWISER (e.g., a Merchant as your employer) nominates you as an account holder or Representative	– your name and business contact details – account log-in credentials
Information from websites or social media	if you make information about you publicly available on websites, social media websites or business applications, we do this as part of our KYB and KYC checks only	– all information you make publicly available
Information from others	We collect personal data from third parties or other people, such as financial institutions, official registers and databases, fraud prevention agencies and partners who help us to provide our Services.	– all information about you that is available to PAYWISER (usage of those data for enhanced due diligence checks, security searches, KYC and KYB checks, fraud prevention, sanctions screening etc.)
Information from publicly available sources	personal data that are accessible to PAYWISER from publicly available sources	– all information about you that are publicly available to PAYWISER, such as media stories, online register of directors etc. (usage of those data for enhanced due diligence checks, security searches, KYC and KYB checks, fraud prevention etc.)

4. HOW DO WE USE YOUR PERSONAL DATA?

We use your personal data for	Our legal basis for using your personal data
Providing our Services If you apply to use a PAYWISER product or service, we use your personal data to check your identity before we decide whether or not to approve your application. We must comply with fraud monitoring, prevention and detection obligations, laws associated with the identification and reporting of illegal and illicit activity, such as “Anti- Money Laundering (“AML”) and Know-Your-Customer (“KYC”)” or Know-Your-Business (“KYB”) obligations, and financial reporting obligations (e.g., recording and verifying User’s identity for the purpose of compliance with legislation intended to prevent money laundering and financial crimes). We use your personal data to: – meet our contractual and legal obligations relating to any PAYWISER products or services you use (for example making payments into and out of your PAYWISER account) – exercise other rights we have under any agreement we have with you – provide you with customer support services. We may record and monitor any communications between you and us, including video or phone calls, if relevant, to maintain appropriate records, check your instructions, analyze, assess and improve our services, and for training and quality control purposes.	– our contractual obligations – our legal obligations – our legitimate interests (to improve our efficiency and to provide you better products and services)
Protecting against fraud We use your personal data to check your identity and to protect against fraud, keep to financial crime laws and to confirm that you are eligible to use our Services. We also use it to help us better understand your as an individual or your company’s financial circumstances and manage fraud risks related to your use of PAYWISER Services (e.g. PAYWISER account etc.).	– our legal obligations – our legitimate interest (to improve our fraud management and prevention processes)
Marketing and promotion of our products and services We use your personal data to do the following: – provide you with information about other products and services we offer that are similar to those you already use (or have asked about, where allowed by law) – if you agree, provide you with information about our partners’ promotions or offers which we think you might be interested in – if you agree, allow our partners and other organizations to provide you with information about their products or services – measure or understand the effectiveness of our marketing and advertising, and provide relevant advertising to you	– our legitimate interests (to send direct marketing, ensure our direct marketing is relevant to your interests, develop our products and services, and to be efficient about how we meet our legal and contractual duties) – consent (where legally required for direct marketing)
Keeping our services up and running We use your personal data to manage our website and our applications, (including troubleshooting, data analysis, testing, research, statistical and survey purposes), and to make sure that content is presented in the most effective way for you and your device. We also use your personal data to: – verify your identity if you contact our customer support – allow you to take part in interactive features of our services, if relevant – tell you about changes to our Service – help keep our website and our business applications safe and secure	– our contractual obligations – our legitimate interests (to improve our efficiency in meeting our obligations, in keeping to applicable regulations and to present relevant content) – consent (where required by law)
Improving our products and services We ask you for your opinion about our products or services Meeting our legal obligations, enforcing our rights and other legal uses We use your personal data: – to share it with other organizations (e.g., government authorities, law enforcement authorities, tax authorities, fraud prevention agencies) – in connection with legal claims – to help detect or prevent crime Sometimes, we are legally required to ask you to provide information about other people. For that reason, we might ask you to explain the source and origin of your income and / or mutual capital connections: – how somebody got the money in the first place to pay it into your PAYWISER account – your relationship with somebody who pays money into your PAYWISER account Where you, or your company, give us personal data about other people, it is your responsibility to ensure they understand how we will process their personal data.	our legitimate interests (to understand customers’ expectations for being able to improve the quality of our existing products and services and to develop now ones) – our legitimate interests (e.g., to protect PAYWISER during a legal dispute) – our legal obligations
Helping you to provide services to your customers We may provide payment processing services to you or your company (e.g., the Merchant). Where this happens, you, or your company, are responsible for deciding: – if we collect your customers’ personal data – how we process your customers’ personal data on your behalf You, or your company, are the ‘Controller’ of your customers’ personal data and we process their data on your behalf as the ‘Processor’. Where we help you to provide services to your customers, we will set out our data processing and data protection obligations in our contract with you.	– our contractual obligations – our legal obligations

Preparing anonymous statistical datasets. We prepare anonymous statistical datasets about spending patterns: (i) for forecasting purposes; (ii) to understand how you use PAYWISER business applications or account and (iii) to comply with governmental requirements and requests. These datasets may be shared internally or externally with others, including non-PAYWISER companies/institutions. We produce these reports using information about you, HOWEVER, the information used and shared in this way is never personal data and you will never be identifiable from it.

Whenever your personal data is processed based on our legitimate interest or based on your explicit consent, you have the right to object to such processing and to withdraw your consent at any time without affecting the lawfulness of processing based on such consent before the consent is withdrawn. We will always offer you a possibility to manage your choices for receiving our messages with promotional and other content.

Compliance with Legal Obligations. We use personal data to meet our contractual and legal obligations related to anti-money laundering, Know-Your-Customer (“KYC”) and Know-Your-Business (“KYB”) laws, anti-terrorism, anti-fraud, export control and prohibitions on doing business with restricted persons or in certain business areas, and other legal obligations. We strive to make our Services safe, secure and compliant, and the collection and use of personal data is critical to this effort. For example, we may monitor patterns of Payment Transactions and

other online signals and use those insights to reduce the risk of fraud, money laundering and other activity that is harmful to PAYWISER or you.

Minors. PAYWISER-provided Services are not directed to minors, including children under the age of 15, and we request that they do not provide personal data through the Services. In some countries, we may impose higher age limits as required by applicable law.

5. WHO ARE YOUR PERSONAL DATA SHARED WITH?

In the scope of PAYWISER-provided Services your personal data is used by:

PAYWISER. Your personal data are shared within PAYWISER entity and are available to authorizedpersonnel, responsible for providing our products and services. These persons are legally and contractuallyobliged to protect the confidentiality of personal data.
Service Providers or Processors that use your personal data on our behalf and based on our instructions.PAYWISER uses their services in order to provide Services to you as our Service Users and to communicate, market and advertise regarding our Services. Service providers provide a variety of critical services, such as hosting (storing and delivering), analytics to assess the speed, accuracy and/or security of our Services, identity verification, customer service, email and auditing. We authorize such service providers to use or disclose your personal data that we make available to perform services on our behalf and to comply with applicable legal requirements. We require such service providers to contractually commit to protect the security and confidentiality of personal data they process on our behalf. Our service providers are predominantly located in the EEA and Hong Kong.In order to adequately fulfill our contractual and legal obligations, we must also disclose your personal data to third parties:

Financial Partners. “Financial Partners” are financial institutions that we partner with to offer the Services(including Card Schemes, Banks etc.).
Compliance and Harm Prevention. We share personal data: (i) to competent state authorities and authoritiesresponsible for financial, tax or banking supervision (e.g., the Office for the Prevention of Money Laundering, the Financial Administration, courts, etc.) in order to comply with applicable law; (ii) to payment method providers, to comply with rules imposed by payment method in connection with use of that payment method (e.g. network rules for Mastercard, UnionPay or other); (iii) to enforce our contractual rights; (iv) to secure or protect the Services, rights, privacy, safety and property of PAYWISER, you or others, including against other malicious or fraudulent activity and security incidents; (v) to respond to valid legal process requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside your country of residence and (vi) to natural and legal persons who demonstrate an appropriate legal basis for receiving personal data, based on their reasoned written request or natural and legal persons who present themselves with the authorization of the individual to whom the personal data refer.
Corporate Transactions. In the event that we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or any portion of our business, assets or stock, we may share personal data with third parties in connection with such transaction. Any other entity which buys us or part of our business will have the right to continue to use your personal data, but subject to the terms of this Policy.
Others with Consent. In some cases, we might refer you to, or enable you to engage with our other Partners for certain services to be provided to you. In these cases, we will clearly disclose the identity of the third party and your personal data and information related to you will be shared with them only based on your prior explicit consent.

All users of your personal data are obliged to respect and protect personal data in accordance with the applicable legislation on the protection of personal data and other legal regulations.

We will never sell your personal data.

6. ARE YOUR PERSONAL DATA TRANSFERRED OUTSIDE EU /EEA?

We are a global business, providing an international Services, so we may need to transfer your personal data outside the European Economic Area (EEA). Personal data may be stored and processed in any country where we do business; or where our service providers do business; or if you use an international payment method or financial partner service, the countries in which that payment method or financial partner operates, when: (i) the

We may transfer your personal data to countries other than your own country. These countries may have data protection rules that are different from your country. When transferring data across borders, we take measures to comply with applicable data protection laws related to such transfer. Where applicable law requires a data transfer mechanism, we use one or more of the following: (i) sign with a data recipient outside the EEA EU Standard Contractual Clauses, approved by the European Commission, to ensure an adequate level of protection for the transfer of your personal data to those entities outside the EEA; (ii) verification that the recipient has implemented Binding Corporate Rules, or (iii) other legal methods available to us under applicable law.

7. FOR HOW LONG DO WE STORE YOUR PERSONAL DATA?

We retain your personal data as long as we are providing the Services to you or our Service Users. Even after we stop providing Services directly to you or a Service User with which you are doing business, and even if you terminate your business relationship with PAYWISER or complete a Transaction with a Service User, we retain your personal data in order to comply with our legal and regulatory obligations, such as fraud monitoring, detection and prevention activities; to comply with our tax, accounting, and financial reporting obligations, where we are required to retain the data by our contractual commitments to our financial partners, and where data retention is mandated by the payment methods you used.

We keep personal data in accordance with limitation periods and retention obligations that are imposed by applicable law. As a rule, your personal data is kept for ten (10) years after the termination of the business relationship or execution of the transaction. Data processed on the basis of your consent are kept until your cancellation or requests for data deletion, but no longer than ten (10) years after the termination of the business relationship or until the purpose for which they were acquired is fulfilled.

After the expiration of the retention period, personal data are deleted, destroyed or anonymized – unless there is another legal basis or if this is necessary to enforce or defend legal claims.

8. WHAT ARE YOUR DATA SUBJECT RIGHTS?

You may have choices regarding our collection, use and disclosure of your personal data:

a. Opting out of receiving electronic communications from us

If you no longer want to receive marketing-related emails from us, you may opt-out via the unsubscribe link included in such emails or by requesting the exercising of your right. We will try to comply with your request(s)

as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, our partners may still send you messages and direct us to send you messages on their behalf.

b. Your data protection rights

You may have the following rights with regard to the personal data PAYWISER processes as the Controller:

the right to request confirmation of whether PAYWISER processes personal data relating to you, and ifso, to request a copy of that personal data (Right to access);
the right to request that PAYWISER corrects or updates your personal data that is inaccurate,incomplete or outdated (Right to rectification);
the right to request that PAYWISER erase your personal data in certain circumstances provided by law(Right to deletion / erasure or Right to be forgotten);
the right to request that PAYWISER restrict the use of your personal data in certain circumstances,such as while we consider another request that you have submitted (Right to restrict processing);
the right to request that we export your Personal Data that we hold to another company, wheretechnically feasible (Right to portability);
where the processing of your personal data is based on your previously given consent, you have theright to withdraw your consent at any time (Right to withdraw consent);
where we process your information based on our legitimate interests, you may also have the right toobject to the processing of your personal data (Right to object to processing). Unless we have compelling legitimate grounds or where it is needed for legal reasons, we will cease processing your information when you object.

c. Process for exercising your data protection rights

To exercise your data protection rights please contact us by sending your message to the following e-mail address: [email protected]

PAYWISER will decide on the individual request of the individual without undue delay, or at the latest within the statutory period of 30 days from the receipt of the request.

For all questions regarding data processing or your rights, or in case of misuse of your data, please contact the authorized person for data protection: [email protected]

When resolving complaints related to the processing of personal data, which we cannot resolve directly with you, we cooperate with the competent regulatory authorities. You have the right to legal protection. You can contact the Information Commissioner of the Republic of Slovenia. Before each application, please contact us so that we can solve your problem together.

If you are an individual/Customer doing business or transacting with our Service User (e.g., Merchant using PAYWISER-provided Services), please refer to the privacy policy or notice of the Service User or contact the Service User directly.

9. DO YOU MAKE AUTOMATED DECISIONS ABOUT ME?

PAYWISER does not use means to make automated decisions that could have legal consequences for you. In the event of an automated decision, we will notify you beforehand and give you the right to personal intervention by the controller; the right to express your point of view; the right to get an explanation of the decision made in this way and the right to challenge such a decision.

10. UPDATES AND NOTIFICATIONS

We may change this Policy from time to time to reflect new services, changes in our privacy practices or relevant laws. The “Last updated” legend at the top of this Policy indicates when this Policy was last revised. Any changes are effective when we post the revised Policy.

We may provide you with disclosures and alerts regarding the Policy or personal data collected by posting them on our website.

If applicable law requires that we provide notice in a specified manner prior to making any changes to this Policy applicable to you, we will provide such required notice.

We make reasonable efforts to provide a level of security appropriate to the risk associated with the processing of your personal data. We maintain organizational, technical and administrative measures designed to protect personal data covered by this Policy against unauthorized access, destruction, loss, alteration or misuse. Personal data is only accessed by a limited number of personnel who need access to the information to perform their duties. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure.

If you have reason to believe that your interaction with us is no longer secure, please contact us.

If you have any questions or complaints about this Policy, please contact us by sending your message to [email protected]

ODVETNICA Simona Goriup

Čufarjeva 1, Ljubljana, tel. 01 430 08 18, fax. 01 430 08 19

Na podlagi 3. odstavka 12. člena Zakona o izvensodnem reševanju potrošniških sporov (Uradni list RS, št. 81/2015), je odvetnica Simona Goriup dne 17.10.2016 sprejela:

PRAVILA

postopka izvensodnega reševanja potrošniških sporov

1. člen

Pri izvensodnem reševanju potrošniških sporov (v nadaljnjem besedilu: IRPS), ki jih vodi odvetnica Simona Goriup, kot izvajalec IRPS oz. oseba, ki vodi postopek IRPS (v nadaljnjem besedilu: izvajalec IRPS), se uporabljajo določbe Zakona o izvensodnem reševanju potrošniških sporov (Ur. List RS 81/2015) in ta Pravila postopka izvensodnega reševanja potrošniških sporov (v nadaljnjem besedilu: Pravila), ki podrobneje urejajo način, področja in vrste reševanja potrošniških sporov.

2. člen

Pravila postopka IRPS se uporabljajo za reševanje pogodbenih sporov med ponudniki in potrošniki (v nadaljnjem besedilu: stranki postopka, ki so v zvezi z prodajo blaga ali opravljanjem storitev in niso bili rešeni s pogajanji med strankami na podlagi pravočasnega in pravilnega zahtevka potrošnika za odpravo napake, povračilo škode ali izvedbo plačila.

V teh pravilih izraz potrošnik pomeni fizično osebo, ki pridobiva ali uporablja blago in storitev za namene zunaj svoje poklicne ali pridobitne dejavnosti, ponudnik pa pomeni fizično ali pravno osebo, ki opravlja pridobitno dejavnost, ne glede na svojo pravnoorganizacijski obliko, kakor tudi fizično ali pravno osebo, ki ne opravlja pridobitne dejavnosti, če zagotavlja potrošnikom blago in storitve.

3. člen

Za potrošniški spor se štejejo tako domači kot tudi čezmejni spori, ki izvirajo iz pogodbenega razmerja med ponudniki in potrošniki.

4. člen

Izvajalec IRPS, oz. oseba ki vodi postopek IRPS, izvaja izvensodno reševanje potrošniških sporov za vsa področja in je pristojna za izvensodno reševanje vseh vrst domačih in čezmejnih sporov, ki izvirajo iz pogodbenih razmerij med strankami in jih sproži potrošnik proti ponudniku.

5. člen

Oseba, ki pri izvajalcu IRPS vodi ali sodeluje v postopkih reševanja potrošniških sporov mora biti strokovna, neodvisna in nepristranska in ne sme biti vezana na navodila strank ali njihovih pooblaščencev.

6. člen

Potrošnik se prostovoljno odloči ali bo vložil pobudo za začetek postopka pri izvajalcu IRPS, ponudnik pa se prostovoljno odloči ali bo sodeloval v postopku.

Ne glede na prvi odstavek tega člena je sodelovanje ponudnika v postopku IRPS pri izvajalcu IRPS obvezno, če poseben zakon ali uredba Evropske unije to izrecno določata.

7. člen

Potrošnik in ponudnik imata pravico, da se v razumnem roku, ki ne sme biti krajši od osmih dni, izrečeta o dejstvih in dokazih, da izrazita svoja stališča ter da se izrečeta o navedbah, dokazih, dokumentih in dejstvih, ki jih je predložila nasprotna stranka.

8. člen
Postopki IRPS pri izvajalcu IRPS morajo biti enostavni, kratki in ekonomični.

Postopek je za potrošnika brezplačen, razen pristojbine, ki jo določi izvajalec IRPS in katere vsota znaša 20,00 – EUR.

Že plačana pristojbina iz prejšnjega odstavka tega člena se vrne, če ponudnik ne soglaša s pobudo potrošnika za začetek postopka ali soglasje umakne v skladu s četrtim odstavkom 18. člena, o čemer mora izvajalec IRPS obvestiti potrošnika v osmih dneh od dneva ko prejme odgovor ponudnika.

9. člen
Pobudo za začetek postopka pri izvajalcu IRPS lahko vloži le potrošnik.

Potrošnik in ponudnik imata pravico, da ju v kateri koli fazi postopka zastopa pooblaščenec oziroma jima da pomoč tretja oseba, o čemer morata biti seznanjena pred začetkom postopka. Pooblaščenec se izkaže s pooblastilom stranke.

Če potrošnik nima pooblaščenca ga izvajalec IRPS oz. oseba ki vodi ali sodeluje v postopku reševanja potrošniškega spora na začetku postopka na primeren način pouči o njegovih pravicah in možnostih, da si zagotovi ustrezno strokovno pomoč, o stroških take pomoči in kdo jih nosi.

Potrošnik nosi stroške svojega pooblaščenca ali tretje osebe, če jo ima, ter stroške izvedenskega mnenja, ki ga potrošnik zahteva, čeprav izvajalec IRPS oceni, da je mogoče potrošniški spor rešiti tudi brez njega.

10. člen

Postopek reševanja IRPS je zaupen postopek reševanja domačih in čezmejnih potrošniških sporov in so vsi podatki, ki izvirajo iz postopka ali so z njim povezani zaupni, razen če so se stranke sporazumele drugače, če njihovo razkritje zahteva zakon, ali če je razkritje potrebno za izpolnitev ali prisilno izvršitev odločbe o rešitvi spora.

V postopkih IRPS je javnost izključena. Osebe, ki niso stranke v sporu oziroma njihovi pooblaščenci, so lahko navzoči samo z dovoljenjem vseh strank in izvajalca IRPS oz. osebe, ki pri izvajalcu IRPS vodi postopek.

V postopku se zagotavlja varstvo osebnih podatkov v skladu s pravili varstva osebnih podatkov ter poslovne skrivnosti.

11. člen

Postopek reševanja potrošniškega spora se izvaja v postopku pogojno zavezujoče pospešene arbitraže (v nadaljnjem besedilu: postopek).

Postopek vodi izvajalec IRPS oz. oseba, ki pri izvajalcu IRPS vodi postopke IRPS in izpolnjuje pogoje predpisane z zakonom, ki ureja izvensodno reševanje potrošniških sporov.

Izvajalec IRPS oz. oseba, ki vodi postopek IRPS praviloma vodi in odloči o sporu kot posameznik.

12. člen

Postopek pogojno zavezujoče pospešene arbitraže se praviloma izvede pisno in z uporabo razpoložljivih elektronskih sredstev.

Če se stranki tako dogovorijo, se lahko postopek izvede tudi ustno, na arbitražnem naroku.

13. člen

Potrošnik vloži pri izvajalcu IRPS pisno pobudo za začetek postopka najkasneje v roku 13 mesecev od dneva vložitve pritožbe pri ponudniku.

Pisna pobuda mora vsebovati :

– osebno ime ( ime in priimek );

– naslov prebivališča;

– elektronski naslov in kontaktno telefonsko številko;

– podatke o ponudniku;

– dejstva v zvezi z domnevnimi kršitvami ponudnika;

– predloge dokazov, na katere opira pobudo;

– izjavo, da o zadevi ne teče upravni ali sodni postopek ali postopek pri drugem izvajalcu IPRS.

Izvajalec IRPS na svoji spletni strani, po navadni in elektronski pošti omogoči potrošniku vložitev pobude za začetek postopka.

Pobuda za začetek postopka se vloži na obrazcu, ki je v elektronski obliki dostopen na spletni strani izvajalca IRPS in v papirni obliki na sedežu izvajalca IRPS.

Potrošnik lahko v postopku IRPS predloži vsa ali samo izbrana dejanska ali pravna vprašanja, ki so po njegovem mnenju relevantna za rešitev spora.

14. člen

Postopek reševanja potrošniških sporov se začne z dnem, ko je izvajalec IRPS potrošniku izdal pisno potrdilo o prejemu pobude za začetek postopka, razen če zakon, ki ureja izvensodno reševanje potrošniških sporov, ne določa drugače.

15. člen

Po prejemu pobude za začetek postopka izvajalec IRPS preveri ali pobuda vsebuje vse sestavine, določene v drugem odstavku 13. člena teh Pravil, in potrošnika po potrebi pozove k njeni dopolnitvi.

Če potrošnik kljub pozivu pobude za začetek postopka ustrezno ne dopolni v roku 15 dni, se šteje, da je pobudo umaknil.

16. člen

Izvajalec IRPS pobudo za začetek postopka zavrne, če:

– o zadevi že teče upravni ali sodni postopek ali postopek pri drugem izvajalcu IRPS;

– je upravni ali sodni organ ali drug izvajalec IRPS že odločil o istem zahtevku;

– potrošnik predhodno ni uveljavil pritožbe neposredno pri ponudniku, zoper katerega je

sprožil spor pri izvajalcu IRPS;

– je očitno, da potrošnik s pobudo ne bo uspel;

– je pobuda neresna ali pomeni očitno zlorabo postopka;

– vrednost spora ne dosega vrednosti 30 EUR;

– potrošnik pri izvajalcu IRPS ni vložil pobude za začetek postopka v roku, ki ne sme biti

krajši od enega leta od dneva, ko je potrošnik vložil pritožbo pri ponudniku;

– je pobuda preveč kompleksna in zahtevna za reševanje pri izvajalcu IRPS, kar bi lahko

ogrozilo učinkovito delovanje izvajalca IRPS.

Če izvajalec IRPS odloči, da zavrne pobudo potrošnika za začetek postopka, potrošniku in ponudniku v treh tednih po prejemu potrošnikove pobude za začetek postopka pošlje pisno obrazložitev o zavrnitvi pobude.

17. člen

Katerakoli stranka lahko predlaga, da izvajalec IRPS povabi nasprotno stranko k sklenitvi sporazuma o predložitvi spora glede reševanja potrošniškega spora v postopku pogojno zavezujoče pospešene arbitraže pri izvajalcu IRPS.

Sporazum mora določati uporabo teh Pravil v postopku reševanja potrošniškega spora in mora biti zapisan v posebni listini, ki jo stranki lastnoročno podpišeta.

Šteje se, da sta stranki soglašale z uporabo teh Pravil, kadar sta v pisnem sporazumu določile, da bosta reševanje vseh ali posameznih pravnih vprašanj predložili v postopek reševanja potrošniških sporov, ki ga organizira in mu nudi administrativno podporo izvajalec IRPS.

18. člen

Izvajalec IRPS v osmih dneh od prejema popolne pobude za začetek postopka obvesti ponudnika o vloženi pobudi in ga pozove, da se izreče ali s pobudo soglaša, razen v primerih, ko zakon, ki ureja izvensodno reševanje sporov določa drugače.

Ponudnik v osmih dneh od prejema obvestila iz prejšnjega odstavka izvajalcu IRPS sporoči, ali s pobudo soglaša, sicer se šteje, da soglasje ni dano. Če ponudnik soglaša s pobudo, se izreče tudi o pobudi in dokazih, ki jih je predlagal potrošnik.

Če ponudnik soglaša s pobudo za začetek postopka, izvajalec IRPS v osmih dneh od prejema odgovora ponudnika obvesti potrošnika in ponudnika o nadaljnjem poteku in trajanju postopka.

Če ponudnik ne soglaša s pobudo za začetek postopka ali soglasje umakne, izvajalec IRPS postopek ustavi in o tem obvesti potrošnika v osmih dneh od dneva, ko prejme odgovor ponudnika.

19. člen

Izvajalec IRPS omogoči izmenjavo informacij med potrošnikom in ponudnikom po navadni ali elektronski pošti v skladu z izbiro potrošnika ali ponudnika.

20. člen

Izvajalec IRPS lahko v okviru priprav na začetek postopka reševanja potrošniškega spora in kadarkoli med postopkom od vsake stranke zahteva dodatna pojasnila ali podatke v razumnem roku, ki ga določi.

Vsaka stranka lahko kadarkoli tekom postopka po lastni presoji, delno ali v celoti umakne ali spremeni svoj zahtevek, vendar ga lahko umakne brez privolitve nasprotne stranke nasprotne stranke samo dokler se nasprotna stranka ni spustila v obravnavanje glavne stvari.

Izvajalec IRPS lahko, kadarkoli oceni, da je to ustrezno izvede pripravljalno telefonsko, video ali skype konferenco u vsemi strankami v sporu, na kateri lahko med drugim :

– ugotavlja naravo spora vključno z dejansko in pravno podlago;

– ugotavlja zgodovino dosedanjih pogajanj in preverja stališča strank;

– ugotavlja katere listine so si stranke že izmenjale in določi razumne roke za predložitev

listin in drugega dokaznega gradiva;

– na predlog strank oceni, ali bi bilo potrebno pridobiti izvedensko ali drugo strokovno

mnenje ;

– uskladi datum ustne obravnave v arbitražnem postopku, če je potrebna.

21. člen

Izvajalec IRPS odloči o sporu, najpozneje v 45 (petinštiridesetih) dneh od prejema popolne pobude za začetek postopka in izda pravno zavezujočo arbitražno odločbo.

Izdana odločba je zavezujoča za ponudnika in potrošnika pod odložnim pogojem, da niti ponudnik niti potrošnik v roku 8 dni po prejemu te odločbe, izvajalcu IRPS s priporočeno pošto ne pošlje lastnoročno podpisane izjave, da je ne sprejema kot zavezujoče.

Če je spor zahtevnejši, lahko izvajalec IRPS po lastni presoji rok iz prvega odstavka tega člena podaljša in o tem obvesti stranki v postopku o podaljšanju roka in pričakovanem času, ki je potreben za rešitev spora.

22. člen

Odločba se izda v pisni obliki in je obrazložena, razen če se stranki postopka strinjata, da obrazložitev ni potrebna.

V odločbi morajo biti navedeni datum njene izdaje, sedež izvajalca IRPS in ime in priimek osebe, ki je izdala odločbo.

Odločbo podpiše oseba, ki je izdala odločbo.

Strankama se vroči po en izvod podpisane odločbe s priporočeno poštno pošiljko ali v varni elektronski predal, če ga imata.

23. člen

Če nobena od strank v roku 30 dni od prejema odločbe pisno ne nasprotuje objavi te odločbe, lahko izvajalec IRPS v pomembnejših zadevah tako odločbo objavi na spletni strani v anonimizirani obliki, brez podatkov o strankah v postopku.

24. člen

Če stranki v okviru postopka reševanja potrošniškega spora dosežeta sporazum o vseh ali o nekaterih spornih vprašanjih, jo lahko izvajalec IRPS zapiše v obliki izvensodne poravnave ali pa izda sporazumno, pravno zavezujočo, obrazloženo arbitražno odločbo.

Stranke se lahko sporazumejo za predložitev sklenjene poravnave v odobritev pristojnemu sodišču ali za vpis poravnave v obliki izvršljivega notarskega zapisa in nosijo vse stroške takega postopka.

V primeru sklenitve sporazuma o rešitvi spora morata biti potrošnik in ponudnik pred privolitvijo v sporazum seznanjena s pravnimi posledicami privolitve v sporazum.

Preden potrošnik in ponudnik privolita v sporazum, morata imeti na voljo razumen rok za razmislek.

25. člen

Šteje se, da je postopek končan:

– ko je potrošnik umaknil pobudo za začetek postopka;

– ko je potrošnik seznanjen z odločitvijo ponudnika, da ne da soglasja ali da je umaknil

soglasje k pobudi za začetek postopka;

– ko je potrošnik seznanjen z odločbo izvajalca IRPS;

– z dnem sklenitve sporazuma o rešitvi spora.

Izvajalec IRPS v roku 8 dni seznani potrošnika in ponudnika o koncu postopka po navadni ali elektronski pošti v skladu z izbiro potrošnika ali ponudnika.

26. člen

Izvajalec IRPS je dolžan v jasnem in razumljivem jeziku na svoji spletni strani in v poslovnih prostorih ter na zahtevo tudi na trajnem nosilcu podatkov objaviti vse informacije, ki jih predvideva 29. člen Zakona o izvensodnem reševanju potrošniških sporov.

Poleg informacij iz prejšnjega odstavka je izvajalec IRPS dolžan na spletni strani in v poslovnih prostorih objaviti tudi Kodeks etičnih standardov in Pravila postopka izvensodnega reševanja potrošniških sporov.

27. člen

Potrošnik lahko pri izvajalcu IRPS vloži pobudo v slovenskem, srbskem, hrvaškem ali angleškem jeziku.

Postopek IRPS, ki ga vodi izvajalec IRPS in oseba, ki vodi ali sodeluje v postopkih IRPS bo potekal v jeziku iz prejšnjega odstavka tega člena, v katerem je potrošnik vložil pobudo za začetek postopka.

28. člen

Stroški postopka IRPS so administrativni stroški izvajalca IRPS, stroški za izvedbo dokazov in nagrada ter potni stroški nevtralnemu strokovnjaku.

Stroški in nagrada so opredeljeni in se obračunajo v skladu s Pravili o stroških postopkov potrošniških sporov izvajalca IRPS.

29. člen

Glede vseh postopkovnih vprašanj, ki niso urejena s temi Pravili in določbami ZIsRPS se neposredno uporabljajo določbe Zakona o arbitraži (Uradni list RS št. 45/ 08).

30. člen

Pravila postopka izvensodnega reševanja potrošniških sporov so bila sprejeta s strani odvetnice Simone Goriup dne 17.10.2016, veljati in uporabljati pa se začnejo z dnem vpisa odvetnice Simone Goriup v register izvajalcev IRPS, ki ga vodi Ministrstvo za gospodarski razvoj in tehnologijo.

Ljubljana, dne 17.10.2016

Odvetnica

Simona Goriup

Splošni pogoji

ZA PRIDOBIVANJE SPLETNIH PLAČIL IN POGODBE ZA TRGOVCE

Ti Splošni pogoji za Pridobivanje plačilnih transakcij in Pogodb s trgovci (v nadaljevanju: Splošni pogoji) so del Pogodbe s trgovcem, ki predstavlja poslovne pogoje družbe PayWiser, šifra družbe 8640084000, poslovnim naslovom na Bravničarjeva ulica 13, 1000 Ljubljana (v nadaljevanju: »Paywiser«, »mi«, »nas« ), vpisani v Register pravnih oseb Republike Slovenije, vse sestavljeno skladno s slovensko zakonodajo.

POMEN POJMOV IN POJASNILA
1. V kolikor iz Pogodbe ne izhaja drugače, imajo spodaj navedeni pojmi naslednje pomene:
  
  Račun: Račun Nadzorne plošče pomeni račun, ki ga trgovec odpre pri Paywiserju za spremljanje prometa na
  računu, prenos poročil in izvajanje vračil. Vsak račun ima identifikacijsko številko trgovc (MID);
  
  Račun: Plačilni račun pomeni račun, ki ga hrani plačilna / kreditna institucija in se uporablja za izvajanje Plačilnih transakcij v vašo korist;
  
  Partnerska banka pomeni našo pogodbeno partnerico DECTA Limited, registrirano v Angliji in Walesu pod številko podjetja 09926210, s sedežem na naslovu Suite 3, Third Floor, 62 Bayswater
  Road, London, W2 3PH, ki nam ponuja (i) dostop do svojega telekomunikacijskega kanala za povezavo s Kartičnimi Shemami za omogočanje sprejemanja Kartic s pošiljanjem poizvedb za avtorizacijo transakcij v skladu s Standardi, (ii) sprejemanje zneskov Transakcij in Finančnih reklamacij iz Kartičnih shem, (iii) shranjevanje zneskov Transakcij v obliki denarja, (iv) unovčevanje denarja s prenosom enakovrednega zneska, (v) prenos (prek Kartičnih shem) zneska OCT imetniku kartice, (vi) registracijo naših Storitev Plačilnega prehoda pri ustrezni Kartični shemi;
  Ukrepanje pomeni vsak zahtevek, povpraševanje, tožbo ali drugo ukrepanje stranke, ki lahko privede do nastanka Finančne odgovornosti;
  Akcijski načrt pomeni notranji zakonodajni dokument Trgovca, ki vsebuje informacije in nabor
  dejavnosti, ki jih mora v skladu s to Pogodbo Trgovec izvesti z namenom izboljšanja statistike Finančnih reklamacij in Goljufivih transakcij. Akcijski načrt mora vključevati:
  opis poslovanja Trgovca in prihodnjo strategijo njegovega poslovanja; analizo, ki odraža vzroke za povečanje števila Finančnih reklamacij in Goljufivih transakcij; če je razlog za
  negativno statistiko Finančnih reklamacij in Goljufivih transakcij sodelovanje Trgovca s tretjimi osebami, se navedejo te tretje osebe in njihov podroben opis; opis metod in orodij,
  ki jih Trgovec uporablja za opredelitev in preprečevanje tveganja in s katerimi zagotavlja spremljanje Transakcij; seznam dejavnosti, ki se izvajajo in načrtujejo za izboljšanje
  negativne statistike Finančnih reklamacij in Goljufivih transakcij (sprejetje novih pravil na področju opredelitve in preprečevanja tveganja); načrtovani časovni razpored za izboljšavo statistike Finančnih reklamacij in Goljufivih transakcij;
  
  Pogodba ali Pogodba o storitvah s trgovcem je pogodba, sklenjena med Paywiserjem in vami – trgovcem, v kateri se strinjamo, da vam bomo omogočili Storitve plačilnega prehoda do Mednarodnih plačilnih
  sistemov/Kartičnih shem z uporabo naših storitev pridobivanja in Storitve plačilnega prehoda, ki izpolnjujejo zahteve, zahtevane v skladu z veljavno zakonodajo in predpisi, kar
  je podrobneje opredeljeno v pogodbi, ki vključuje: Začetni vprašalnik Trgovca, Splošne pogoje in morebitne dodatke (npr. Cenik, Sporazum o varstvu podatkov, PCI DSS vprašalnik,
  Navodila AdobeSign), kot so lahko občasno pisno dopolnjeni in spremenjeni;
  
  Vmesnik aplikacijskega programa, API pomeni “vmesnik aplikacijskega programa”, ki ga vi ali z vaše strani imenovana tretja oseba
  
  uporabljate za gostovanje spletnih strani za plačila, ki so potrebne za lajšanje vaše uporabe Spletnih plačil;
  
  Avtorizacija je postopek, s katerim Trgovec zahteva dovoljenje za uporabo plačilnega načina za določen nakup Trgovčeve storitve ali izdelka;
  
  Začetni vprašalnik za trgovca je Trgovcu poslan po e-pošti in vsebuje zahtevo, da Trgovec predloži podatke, ki so potrebni za začetek postopka vključevanja Trgovca;
  
  Delovni dan je vsak dan, razen (i) Sobote, Nedelje ali (ii) dela prostega dne v Republiki
  Sloveniji in / ali v državi, v kateri ima Trgovec svoje
  
  prostore, (iii) dan, na katerega so bančne institucije v skladu z zakoni v Sloveniji zaprte;
  
  Izdajatelj kartice pomeni člana Kartične sheme, ki sklene pogodbeno razmerje z Imetnikom kartice za
  izdajo ene ali več kartic;
  
  Kartična shema / Kartično združenje je krovni izraz za Visa, MasterCard ali kateregakoli drugega ponudnika
  kartic o katerem vas obvestimo;
  
  Kartica, plačilna kartica pomeni katero koli obliko Kreditne ali Debetne kartice, ki jo
  lahko Imetnik kartice uporabi za izvedbo Transakcije na
  
  svojem Imetniškem računu;
  
  Imetnik kartice pomeni osebo, ki ji je izdana in odobrena Avtorizacija za uporabo veljavne kartice
  in je Stranka, ki od vas kupuje izdelke in / ali storitve;
  
  Transakcija CNP ali »Brez
  prisotnosti kartice« je Transakcija Imetnika kartice, pri kateri Imetnik kartice v času transakcije ni fizično prisoten na prodajnem mestu. CNP vključuje transakcije MO/TO in Spletne transakcije;
  Finančna reklamacija pomeni zahtevek Izdajatelja za vračilo Zneska transakcije, ki je bila izvedena v skladu s Standardi Kartične sheme;
  
  Prag za povračila stroškov je zgornja meja razmerja povračil stroškov pri trgovcu, ki se mesečno izračuna kot
  razmerje med povračili stroškov in skupnim številom transakcij;
  
  Stranka je krovni izraz za Imetnika kartice, ki uporabljajo izdelke in/ali storitve, ki jih nudi
  Trgovec;
  
  Metoda preverjanja kartice / CVM Koda je Tri- ali štirimestna številčna koda, ki je natisnjena na kartici. Ta koda je znana kot: CVV2 za Visa;
  
  CVC2 za MasterCard; CID za American Express in Discover. Pod enim imenom se imenujejo koda CVM;
  
  Dogodek podatkovne varnosti
  pomeni vsak dogodek, ob katerem so bilo Podatki Imetnika kartice ali podatki o Transakcijah (vključno z podatki kartice in osebnimi podatki) ukradeni, zlorabljeni ali razkriti nepooblaščeni osebi;
  
  Podatki: Podatki računa Izraz Podatki računa vključuje (1) podatke o imetniku kartice (primarna številka
  računa (PAN); ime imetnika kartice; koda storitve; datum poteka veljavnosti) in (2) občutljivi podatki za preverjanje pristnosti (vključno s celotnimi podatki o posnetku z
  magnetne črte, enakovredni podatki s čipa ali drugje CAV2/CVC2/CVV2/CID4 – tri- ali štirimestna vrednost, natisnjena na sprednji ali zadnji strani plačilne kartice; blok
  PIN/PIN – osebna identifikacijska številka, ki jo imetnik kartice vnese med transakcijo s kartico, in / ali šifriran blok PIN, prisoten v transakcijskem sporočilu);
  
  Podatki: Pridobitev podatkov pomeni vse podatke v zvezi s predloženimi transakcijami, provizijami za
  transakcije, provizijami za račun in poravnavo;
  
  Podatki: Osebni podatki pomenijo vse podatke, ki se nanašajo na fizično osebo in jo je mogoče prepoznati,
  vključno z identifikatorji, kot so ime, identifikacijska številka, podatki o lokaciji,
  spletni identifikator; fizični dejavniki identitete, kot so višina, barva oči; fiziološki dejavniki identitete, kot so biometrični podatki, zdravstveni karton; dejavniki ekonomske
  identitete, kot so vir sredstev, vir bogastva, stanje na računu, zgodovina transakcij; dejavniki kulturne identitete, kot je stopnja izobrazbe; dejavniki socialne identitete, kot so zakonski stan, otroci, kazenske obsodbe in kazniva dejanja;
  
  Podatki: Občutljivi plačilni
  podatki so krovni izraz za Podatke računa in Podatke o Transakcijah;
  
  Podatki: Podatki o Transakcijah
  pomenijo informacije o Transakciji in Karticah, s katerimi je bila transakcija izvedena, ter informacije o identifikaciji imetnika kartice;
  
  Nadomestni postopek pomeni postopek, pri katerem lahko ročno obdelate Transakcijo in pridobite avtorizacijo, če prvotni postopek ne uspe;
  
  Provizija: Provizija kartične sheme pomeni provizijo plačano kartičnim shemam za storitve, ki jih nudijo za obdelavo plačilnih transakcij.
  
  Provizije za kartične sheme vključujejo spremenljive in fiksne provizije na transakcijo in se za Trgovce uporabljajo na prehodni osnovi;
  
  Provizija: Provizija za obdelavo
  storitev pomeni provizijo, ki se zaračuna za obdelavo plačilnih
  transakcij;
  
  Provizija: Provizija za izmenjavo pomeni provizijo, ki jo določijo Kartične sheme in plača Partnerska banka (npr. Paywiser) Izdajatelju Plačilne
  
  kartice za vsako Transakcijo, direktno ali indirektno (npr. preko tretjih oseb).
  
  Spodnja omejitev pomeni omejitev zneska transakcije za vse transakcije s karticami, ki jih je
  potrebno poslati družbi Paywiser v avtorizacijo. V kolikor trgovci obdelujejo transakcije s karticami, ki niso predložene, morajo imeti te transakcije ničelno Spodnjo omejitev, kar pomeni, da jih je treba poslati Paywiserju v avtorizacijo;
  
  Programska oprema Plačilnega prehoda je programska oprema, ki se uporablja za pošiljanje podatkov o transakciji, vključno s Trgovčevo zahtevo za avtorizacijo transakcije, pridobitelju;
  
  Izmenljiv model ++ določanja cen
  je dinamični model oblikovanja cen, ki temelji na realnih stroških različnih strank, ki sodelujejo pri obdelavi transakcije. Provizija, ki jo plačate, vključuje: izmenjavo, provizijo Kartične sheme in provizijo za obdelavo storitev;
  
  Izdajatelj pomeni kreditno institucijo ali drugo pravno osebo, ki je izdala Kartico;
  
  KYC, KYB sta kratici za izraza “Spoznaj svojo stranko” in “Spoznaj svoje podjetje”.
  Gre za zakonske zahteve, ki jih moramo izpolniti tako, da
  
  pred sklenitvijo poslovnega odnosa identificiramo naše Trgovce in njihovo dejavnost;
  
  Trgovec, vi in vaše pomenijo pravno osebo, ki z nami sklene Pogodbo in, kjer je ustrezno, tudi njeni pooblaščenimi pooblaščeni predstavniki
  
  in nasledniki;
  
  Transakcija MO/TO ali Naročilo po pošti/Naročilo po telefonu je Transakcija Stranke, pri kateri Stranka v času Transakcije ni fizično prisotna na prodajnem mestu, Podatke o plačilu pa Stranka Trgovcu
  predloži po pošti (ne po elektronski pošti), telefaksu ali telefonu;
  
  Delovni čas je od 9.00 do 17.00. od ponedeljka do petka;
  
  Stranka pomeni
  vsako pogodbeno stranko v skladu s Pogodbo – Paywiser, Trgovec, vključno s vsakim ponudnikom plačilnih storitev/neodvisno prodajno organizacijo, ki podpiše Pogodbo, in se posamično imenujejo »stranka«;
  
  Originalna kreditna transakcija ali OCT pomeni kreditno
  Transakcijo, pri kateri se sredstva prenesejo (prek Kartičnih shem) na določeno
  
  Kartico;
  
  Pogodbena stranka, Pogodbenica, Vsaka pogodbena stranka – pomeni Paywiser in/ali Trgovec, vključno s katerim koli ponudnikom plačilnih storitev/neodvisno prodajno organizacijo, ki podpiše pogodbo, se
  posamezno imenuje “pogodbena stranka” ali “pogodbenica”, obe skupaj pa “pogodbeni stranki” ali »pogodbenici«;
  
  PCI-DSS standardi
  varnosti podatkov v industriji plačilnih kartic, ki jih je razvilo združenje International Payment Systems, so varnostne
  
  zahteve za registracijo podatkov o karticah in transakcijah, arhiviranje in druge dejavnosti, povezane z negotovinskimi transakcijami;
  
  Rezervacija sredstev pomeni znesek, ki ga določimo mi (po lastni presoji) za zavarovanje morebitnih
  zahtevkov do vas;
  
  Storitve pomenijo storitve Pridobivanja in pomožne storitve, Storitve Plačilnega prehoda in storitve obdelave
  ki jih zagotavljamo Trgovcu, da mu omogočimo uporabo plačilnih metod za obdelavo transakcij, pa tudi zagotavljanje drugih storitev, ki jih izvajamo za Trgovca v skladu s to pogodbo;
  
  SCA pomeni Strong Customer Authentication, kar je evropska zakonodajna zahteva za zmanjšanje števila goljufij ter večjo varnost spletnih in brezstičnih plačil brez povezave. SCA zahteva, da se
  pri avtentikaciji uporabljata vsaj dva od naslednjih treh elementov: nekaj, kar Stranka pozna (npr. geslo ali PIN), nekaj, kar Stranka ima (npr. telefon ali strojni žeton), nekaj, kar Stranka je (npr. prstni odtis ali prepoznavanje obraza);
  
  Standardi pomenijo: (i) standarde Kartičnih shem – vsa pravila za delovanje, predpise,
  postopke ustreznih shem kartic, ki vključujejo, vendar niso omejeni na kakršne koli priročnike, vodnike, biltene, člansko pismo, in se lahko občasno spreminjajo; in standardi,
  ki jih je vzpostavil Svet za varnost standardov industrije plačilnih kartic: (ii) PCI-DSS – Standardi varnosti podatkov o industriji plačilnih kartic in (iii) PA-DSS – Standardi varnosti podatkov o plačilnih aplikacijah;
  
  Zunanji ponudnik Storitev pomeni ponudnika storitev, ki ni Stranka Pogodbe;
  
  Transakcija pomeni zahtevo Imetnika računa za odobritev plačila Imetnika računa Trgovcu, ki nam jo predloži
  Trgovec;
  
  Transakcija: Transakcija brez prisotnosti kartice, transakcija CNP pomeni transakcijo med vami in Imetnikom kartice, ki se zaključi, ko v času transakcije na vaši lokaciji ni prisoten niti imetnik
  kartice niti sama kartica, npr. Transakcije po pošti/telefonsko naročilo (MO/TO), E-trgovina (internet), Transakcije ali predhodno odobrene transakcije z ponavljajočimi se
  naročili;
  
  Transakcija: Transakcije e-trgovine
  pomeni Transakcijo Brez Prisotnosti kartice preko interneta ali preko fiksne ali mobilne naprave, v kateri
  
  Imetnik kartice posreduje podatke o kartici preko interneta ali katerega koli drugega javnega ali zasebnega omrežja;
  
  Transakcija: Obročna Transakcija Enkratni nakup izdelkov in/ali storitev, ki se zaračunajo na račun v več delih v časovnem obdobju, za
  
  katerega se dogovorita Imetnik kartice in Trgovec;
  
  Transakcija: Plačilna transakcija pomeni sprejetje kartice ali podatkov, ki so vtisnjeni na kartico,
  za plačilo za izdelke, prodane in/ali najete, in/ali storitve, ki jih Imetniku kartice nudi Trgovec. Transakcija je lahko F2F transakcija ali CNP transakcija ali oboje. Izraz
  Transakcija vključuje tudi dobropise, napake, donose in prilagoditve;
  
  Transakcija: ponavljajoče se transakcije pomenijo transakcijo, za katero se je Imetnik kartice strinjal, da lahko v dogovorjenih intervalih ali ob dogovorjenih datumih bremeni njegovo kartico.
  Transakcija je lahko za določen znesek ali za znesek, ki ste ga morali plačati za sprotno zagotavljanje izdelkov in/ali storitev;
  
  Transakcija: Povračilo pomeni postopek, s katerim se zahteva vračilo zneska Transakcije ali dela zneska
  Transakcije Imetniku kartice;
  
  Potrdilo o transakciji pomeni elektronski zapis transakcije;
  
  Spletno mesto, spletno mesto za e-trgovino pomeni spletno mesto, ki ga upravljate vi ali kdo v vašem imenu, prek
  katerega lahko vaši kupci
  
  opravijo Transakcije za plačilo
  blaga ali storitev, ki jih ponujate.
2. V kolikor ni iz konteksta razbrati drugače, se v Pogodbi:
  1. kakršno koli sklicevanje na veljavne Regulatorne zahteve, Standarde in sporazume se bo razlagalo kot sklicevanje na te veljavne Regulatorne zahteve, Standarde in sporazume, tudi v kolikor
    so bili ti občasno spremenjeni, podaljšani, konsolidirani ali ponovno uveljavljeni in se bo razširilo na vse podrejene predpise, ki so bili sprejeti na njihovi podlagi;
  2. sklicevanje na določbe in priloge so sklicevanja na določbe in priloge Pogodbe in sklicevanja na odstavke je sklicevanje na odstavke
    
    Prilog na katere ustrezno se sklicevanje nanaša;
  3. (sklicevanje na osebo (vključno s pogodbenico) vključuje sklicevanje na (i) zakonite osebne zastopnike, naslednike in dovoljene pooblaščence te (ii) korporacije, nekorporativna združenja,
    fizične osebe, podjetja in partnerstva;
  4. razen če se pojavi nasproten namen, besede v ednini vključujejo tudi množino in obratno; besede, ki
    naslavljajo moški spol, vključujejo ženski in srednji spol ter obratno;
  5. naslovi v Pogodbi so le zaradi praktičnosti in ne bodo vplivali na obliko ali razlago sporazuma;
  6. vsaka besedna zveza, ki se začne z izrazom “vključeno”, “vključno”, “zlasti” ali katerim koli podobnim izrazom, se šteje kot
    
    ponazoritev in ne bo omejevala smisla besed pred tem izrazom;
  7. ob upoštevanju veljavnih regulatornih zahtev pri sestavljanju Pogodbe tako imenovano pravilo „contra
    proferentem“ ne bo veljalo in zato noben izraz, pogoj ali določba Pogodbe ne bosta razlagana v breme Pogodbene stranke izključno na podlagi tega, ker je Stranka sestavila
    določbo ali pogoj in / ali se na tako določbo ali pogoj sklicuje;
  8. v primeru kakršnega koli razhajanja ali dvoumnosti med Pogodbo in Standardi bodo
    prevladali Standardi, pod pogojem, da se bo Pogodba razlagala tako, da daje čim večji pomen tako Standardom kot Pogodbi;
  9. v primeru navzkrižja ali
    dvoumnosti med Standardi in veljavnimi Regulatornimi zahtevami prevladajo Regulatorne zahteve.
PONUDNIK STORITEV
1. Storitve v skladu s Pogodbo zagotavlja Paywiser.
2. Ponudnik storitev ima ustrezno
  dovoljenje za poslovanje kot institucija za izdajo elektronskega denarja in je pod skrbnim nadzorom Banke Slovenije ter je vpisan v seznam institucij za izdajo elektronskega denarja, ki
  je objavljen na spletni strani Banke Slovenije.
3. Paywiser zagotavlja Storitve v
  skladu s to Pogodbo in se lahko zanaša na storitve drugih zunanjih izvajalcev, kot so Partnerske
  banke, ponudniki tehnologije itd., s katerimi je Paywiser sklenil ustrezne Pogodbe.
STORITVE
1. V skladu s Splošnimi pogoji iz Pogodbe se strinjamo, da vam bomo zagotovili storitve za upravljanje vašega dostopa do Plačilnih sistemov in sprejemanja plačil prek Plačilnih karti (“Storitve”).
2. Storitve vključujejo Storitve pridobivanja, Storitve Plačilnega prehoda in Pomožne storitve.
3. Zagotovili vam bomo storitve pridobivanja, ki jih sestavljajo:
  1. pridobitev plačilnih transakcij;
  2. registracija s Kartičnimi shemami, kadar je to potrebno;
  3. zagotavljanje sprotnega dostopa do pridobivanja podatkov prek modula za oddaljeni dostop (RAM);
  4. poravnava Plačilnih transakcij.
4. V okviru Storitev Plačilnega prehoda vam bomo omogočali:
  1. integracijo in dostop do programske opreme Plačilnega prehoda ter tehnično podporo, potrebno za sprejemanje Kartic na spletni strani Trgovca;
  2. Storitve avtorizacije transakcij, obdelave Finančnih reklamacij in Povračil, sprejemanje poizvedb za Izvirne kreditne transakcije;
  3. zagotavljanje poročil o vseh Transakcijah, opravljenih v mesecu, ki se zaključuje z mesecem poročanja. Stranki se ločeno dogovorita o obliki in periodičnosti poročil.
5. Kadar je izrecno dogovorjeno, bomo zagotovili zagotavljanje naslednjih Pomožnih storitev:
  1. obdelava vlog in skrbni pregledi;
  2. plačilne strani;
  3. obvladovanje tveganj;
  4. podporo strankam;
  5. usposabljanja in izobraževalna podpora.
6. Zagotavljali bomo Storitve, kot je določeno v Pogodbi, in nismo dolžni opravljati nobenih drugih Storitev, razen če se o tem izrecno pisno dogovorimo. Nismo odgovorni za zagotavljanje nasvetov, kot so pravne, računovodske ali davčne zadeve, ali storitev, ki niso določene v Pogodbi.
7. Storitve bomo opravljali z razumnim znanjem, skrbnostjo in skrbnostjo v skladu z regulatornimi zahtevami in Standardi, skladno z dobrimi poslovnimi praksami in v vaše razumno zadovoljstvo.
8. Pridržujemo si pravico, da se po lastni presoji odločamo o sklenitvi pogodbe s posameznim Trgovcem ter o nadaljevanju opravljanja Storitev.
UPRAVIČENOST
Splošne določbe
1. Uporabljali boste le storitve, ki bodo ustrezale vašemu statusu in to potem ko boste izpolnili ustrezna merila (KYC, KYB) za upravičenost uporabe. Podrobnosti o veljavnih merilih upravičenosti se lahko občasno spreminjajo.
2. Če kadar koli ne boste izpolnjevali vseh meril za zadostitev pogojev upravičenosti, lahko odpovemo Pogodbo in prenehamo zagotavljati Storitve.
3. Če svoje podjetje vodite prek ločenih linij ali imate ločene spletne strani, bo morda potrebna sklenitev ločenih pogodb.
  
  Profil Trgovca
4. Naše Storitve so namenjene pravnim osebam vseh velikosti, ki izvajajo prodajo izdelkov in/ali storitev in prejemajo plačila prek plačilnih kartic na podlagi transakcij, ki se zgodijo Brez prisotnosti kartice.
5. Trgovec mora imeti vse naslednje kvalitete:
  1. je ustanovljen in deluje znotraj dovoljene jurisdikcije;;
  2. finančno odgovoren;
  3. dober ugled.
6. Trgovec NE sme:
  1. sodelovati pri kakršnih koli dejavnostih, ki bi lahko škodile blagovnim znamkam plačilnega sistema, Kartičnih shem ali našem ugledu;
  2. sodelovati v kakršni koli dejavnosti, za katero velja, da je nezakonita ali škodljiva za blagovno znamko;
  3. Trgovcu ali njegovim lastnikom ne sme biti prepovedano sodelovanje v katerem koli programu Kartičnih shem;
  4. biti oseba/subjekt, za katerega veljajo sankcije, in ni vključen na sezname oseb ali subjektov, za katere veljajo omejevalni ukrepi ali sankcije:
    - sankcionirana oseba je vsaka pravna ali fizična oseba, ki je tarča sankcij ali za katero veljajo sankcije, kar med drugim vključuje osebo, ki:
      1. je v neposredni ali posredni lasti ali pod nadzorom osebe, za katero veljajo sankcije; ali
      2. je registrirana, ima sedež ali je državljan ali rezident države, ki je na seznamu držav, proti katerim so uvedene sankcije;
    - sankcije pomenijo vse gospodarske, finančne, trgovinske ali podobne omejitve in prepovedi, ki jih sprejmejo, uvedejo ali določijo naslednje organizacije ali države (in njihovi organi ali agencije): a) Združeni narodi; b) Združene države Amerike; ali c) Evropska unija ali njene sedanje ali prihodnje države članice; in ne sme delovati neposredno ali posredno v imenu imenovane osebe. Trgovec tudi izjavlja, da po njegovem najboljšem vedenju sankcionirana oseba ni nihče od njegovih zakonitih zastopnikov, pooblaščenih oseb ali oseb, zaposlenih pri Trgovcu in dejanskih lastnikih.
STORITVE PRIDOBIVANJA
Pridobivanje plačilnih Transakcij
1. Zavezujemo se, da bomo v skladu s Pogodbo pridobili vse veljavne Transakcije, ki nam jih pošljete.
2. Podpirali bomo sprejemTransakcije brez prisotnosti kartice – spletne transakcije in Ponavljajoče Transakcije.
3. Izrecno se moramo dogovoriti o sprejetju vsake vrste Transakcije.
4. Vaše plačilne transakcije bomo poravnali s plačilnim sistemom ustrezne kartične sheme (VisaNet/MasterCard sistem izmenjave).
5. V nekaterih okoliščinah bo Izdajatelj kartice v skladu s Standardi imel pravico, da zavrne poravnavo plačila ali zahteva od
  nas povračilo plačila, ki je že bilo poravnano. V obeh primerih se ustrezni znesek imenuje
  “Finančna reklamacija”. Takšne okoliščine so lahko: (i) imetnik kartice zanika
  odobritev transakcije s kartico, ki ni prisotna; (ii) večkratni stroški za isto blago ali
  storitev; (iii) prejeto blago ali storitev ni bilo v skladu z opisom ali je imelo napako itd.
6. Če Izdajatelj kartice uveljavi svojo pravico, da ne poravna ali prevzame Finančne reklamacije, bomo upravičeni do takojšnje
  Finančne reklamacije Transakcije. Za vsako Finančno reklamacijo se Trgovcu zaračuna nevračljiva
  Provizija za Finančno reklamacijo, kot je določeno v Ceniku.
7. Na naše pravice do Finančne reklamacije ne bo vplival noben dogovor med vami in Imetnikom kartice.
8. Potrjujete, da nam boste v primeru Finančne reklamacije zagotovili dokumente, ki potrjujejo Transakcije in Povračila, ter
  zagotovili drugo pomoč v zvezi z vračilom plačila, in sicer v 3 (treh) Delovnih dneh po prejemu
  naše zahteve za vračilo plačila.
9. Kljub zgoraj navedenemu: vas ne bomo dolžni obvestiti o kakršni koli napaki v Transakcijskih podatkih ali drugi odgovornosti
  do Finančne reklamacije, razen če je dejansko prišlo do Finančne reklamacije; morebitne
  pomanjkljive Transakcijske podatke lahko obravnavamo kot veljavne; in nismo vam dolžni pomagati
  pri prejemu plačila od Imetnika kartice, če so bili vrnjeni ustrezni transakcijski podatki.
  
  Registracija pri Kartičnih shemah
10. Sprejetje Trgovca kot stranke je strogo povezano z opisom trgovčevih Izdelkov in Storitev, ki jih je Trgovec prijavil ob sklenitvi Pogodbe.
11. V skladu z določbami Pogodbe se obvezujemo, da vas bomo, ko bo potrebna takšna registracija, registrirali pri Visa in/ali MasterCard in ustrezne registracije vzdrževali.
12. Če je ali bo vaše podjetje ocenjeno kot podjetje z visokim tveganjem, se bo Trgovec lahko registriral le pri družbi MasterCard in sprejemal plačilne kartice, ki jih izda družba MasterCard.
13. O nujnosti registracije vam bomo svetovali na podlagi opisa vašega poslovanja, ki bo opisano v Začetnem vprašalniku za trgovce.
14. Priznavate, da je za registracijo potrebna samostojna presoja ustrezne Kartične sheme, ki lahko odobri ali zavrne kakršno koli vlogo, ali zavrne podaljšanje registracije, v kolikor je potrebno podaljšanje.
15. Za izvedbo registracije nam morate vi ali oseba, ki oddajo vlogo (“Zastopnik”), posredovati uradno ime podjetja, naslov sedeža podjetja, e-poštni naslov, telefonsko številko, matično številko in državo registracije, URL, naravo poslovanja podjetja ali dejavnosti, pričakovani mesečni promet v transakcijskih valutah, opis predvidenih Imetnikov kartic potencialnega Trgovca, prikazan po
  geografskih regijah v odstotkih (Evropa, Azija itd.), in morebitne druge informacije, ki jih zahtevamo. Prav tako lahko zbiramo osebne podatke (vključno z imenom, datumom rojstva in
  identifikacijsko številko, izdano s strani države) o vaših dejanskih lastnikih, komitentih in skrbniku vašega računa.
16. Če uporabljate storitve obdelave plačil, se lahko vaše ime (ali ime, ki se uporablja za vašo identifikacijo) in URL pojavita na bančnih ali drugih izpiskih vaših Strank. Da bi zmanjšali zmedo in se izognili morebitnim sporom, morajo biti ti opisi prepoznavni za vaše Stranke in morajo natančno opisovati vaše podjetje ali dejavnosti. Storitve obdelave plačil lahko uporabljate samo za omogočanje transakcij (kot so opredeljene spodaj) s svojimi strankami. Storitev obdelave plačil ne smete uporabljati za izvajanje kakršnih koli osebnih transakcij ali za prenos denarja med osebami (peer-to-peer prenose) ali za katere koli druge namene, ki so s to Pogodbo prepovedani.
17. Pogodbe ne bomo niti kršili, niti ne bomo odgovarjali za kakršno koli neizpolnitev ali zamudo pri izpolnjevanju svojih obveznosti iz nje, če se zadevna Kartična shema odloči, da zavrne vašo prijavo ali zavrne podaljšanje registracije, če je potrebno podaljšanje.
18. Potrjujete, da nam boste upravičeni pošiljati Transakcije po prejetju pisne potrditve vaše registracije s Kartičnimi shemami.
19. V vseh primerih, ko provizije za registracijo odmerjajo Kartične sheme se zavezujete, da nam boste povrnili te stroške.
  
  Poslovni zastopnik
20. Vi in vaš Zastopnik posamezno potrjujeta Paywiserju, da je vaš Zastopnik pooblaščen, da v vašem imenu posreduje podatke, opisane v poglavju 5.15 (Registracija pri Kartičnih shemah), in da vas zaveže k tej Pogodbi. Od vas ali vašega Predstavnika lahko zahtevamo, da predložite dodatne informacije ali dokumentacijo, ki dokazuje pooblastila vašega Zastopnika.
21. Na podlagi navodil pooblaščene osebe lahko delujemo, dokler od vas ne prejmemo pisnega obvestila, o
  preklicu pooblastila.
22. Če ste samostojni podjetnik, vi in vaš Zastopnik potrjujete, da je vaš Zastopnik osebno odgovoren za
  vašo uporabo storitev in vaše obveznosti do strank, vključno s plačilom vseh zneskov, ki jih dolgujete na podlagi te Pogodbe.
  
  Plačila za Transakcije
23. Zavezujemo se, da vam bomo plačali neto znesek vseh Transakcij, ki jih pridobimo od vas v skladu s Standardi in Pogodbo, in sicer s nakazilom na vaš Plačilni račun.
24. Če je znesek prejet s strani Mednarodnega plačilnega sistema, iz katerega koli razloga nižji od vsote zneskov Transakcij, bomo v skladu s to Pogodbo, prenesli prejete zneske na račun po odbitku vseh zneskov sorazmerno z dejansko prejetimi zneski.
25. Plačilo lahko zadržimo, če v dobri veri sumimo, da:
  1. katerakoli Transakcija lažna ali nakazuje na kakršnokoli drugo kriminalno aktivnost;
  2. katerakoli Transakcija ni bila v običajnem krogu vašega prijavljenega poslovanja;
  3. število ali velikost Transakcij bistveno presega običajno pričakovano; ali
  4. se je zgodil kateri koli dogodek iz določb o „Suspenz storitev“ ali dogodek zaradi katerega je potrebna takojšnja prekinitev Pogodbe (ne glede na to, ali smo sporazum odpovedali ali ne).
26. Plačila se lahko zadržijo, dokler se ne prepričamo, da:
  1. so ustrezne transakcije zakonite;
  2. za zadevne transakcije ni več treba plačati povratnih stroškov;
  3. izpolnjujete vse obveznosti, ki so predmet te Pogodbe
    
    Dodelitev dostopa
27. Ko bo vaš Začetni vprašalnik za Trgovca sprejet, vam bomo, v kolikor ste upravičeni, poslali podrobnosti o dostopu do našega spletnega modula za oddaljeni dostop (RAM) ali podobne spletne aplikacije.
28. V času trajanja Pogodbe vam bomo preko RAM-a (spletna aplikacija) omogočili dostop do vseh podatkov v zvezi s poslanimi Transakcijami, razčlenitvijo vaših stroškov in provizij za Storitve – transakcijske provizije, pristojbine za račun in poravnavo.
29. Podatki za dostop (uporabniško ime in geslo) bodo na voljo osebi, ki je navedena v Začetnem vprašalniku za Trgovca. Sami ste odgovorni za vzdrževanje ustrezne varnosti in nadzora nad svojimi podatki za dostop.
  
  Oprema Trgovca in software
30. Trgovec je samostojno zadolžen za namestitev, servisiranje, vzdrževanje, varnost in delovanje opreme in programske opreme, ki je potrebna za povezavo s plačilnim vmesnikom (API) in posredovanje Transakcij v obdelavo Paywiserju.
31. Paywiser Trgovcu zagotovi standardne module programske opreme in navodila za namestitev, ki pomagajo omogočiti povezavo s
  plačilnim vmesnikom, lahko pa tudi zagotovi odobrena programska orodja za povezavo z API.
32. Pridržujemo si pravico, da kadar koli spremenimo ali dopolnimo programsko opremo in vmesnik, da Trgovcu zagotovimo novo
  različico in/ali da spremenimo funkcionalnosti in značilnosti programske opreme. Paywiser ne bo izvedel nobenih sprememb, ki bi bistveno zmanjšale funkcionalnost storitev, za katere se je
  izrecno zavezal, da jih bo zagotovil v okviru Pogodbe, razen če je to potrebno zaradi
  
  (i) nujnosti upoštevanja splošno sprejetih sprememb industrijskih standardov, (ii) spremembe veljavnih zakonov ali Pravil Sheme,
  (iii) večje varnosti zaradi varnostnih tveganj, ki jih ugotovi Paywiser (iv) drugih utemeljenih razlogov, ki upravičujejo zmanjšanje funkcionalnosti. Če se zaradi sprememb v programski opremi
  zmanjša funkcionalnost in to bistveno vpliva na Trgovca, ta lahko odpove Pogodbo in sicer s pisnim obvestilom Paywiserju v 1 (enem) mesecu po tem, ko je Paywiser objavil spremembo.
33. Paywiser si prizadeva čim bolj zmanjšati spremembe API vmesnika.
34. Paywiser bo Trgovca o spremembah API vmesnika za trgovca predhodno obvestil in mu omogočil razumen čas, da se Trgovec lahko pripravil na morebitne posledice.
POMOŽNE STORITVE
Obdelava vlog in skrbni pregled
1. Pred sklenitvijo, podaljšanjem ali prenovo naše pogodbe z vami in med trajanjem veljavnosti Pogodbe bomo zahtevali informacije in dokumente („Informacije“).
2. Strinjate se, da nam boste na razumno zahtevo in na vaše stroške zagotovili točne, natančne, popolne in posodobljene podatke.
3. Določili bomo nekatere zahteve glede vsebine, Izdajatelja, časovne veljavnosti ipd, za tiste dokumente, ki jih moramo od vas pridobiti.
4. Občasno lahko zahtevamo, da se predloženi dokumenti potrdijo kot resnične kopije originalnih dokumentov v skladu z naslednjimi smernicami:
  1. na kopiji dokumenta mora biti napisano: „Potrjeno kot resnična kopija izvirnika, ki sem ga videl“ in mora
    biti podpisan in datiran. Potrdilo mora vsebovati tudi naslednje podatke: ime osebe, ki potrjuje certifikat, podpis, poklic, kontaktne podatke;
  2. overjeno kopijo mora podpisati eden izmed naslednjih strokovnjakov: notar, odvetnik,
    veleposlanik, konzul ali druga oseba, ki ima dovoljenje za opravljanje pravne dejavnosti ali pooblaščeni računovodja.
5. Če predloženi dokumenti niso napisani v slovenščini, lahko zahtevamo, da se dokument prevede in overi s strani pooblaščenega prevajalca. Na prevedeni kopiji dokumenta mora biti zapisano, da gre za „resničen in točen prevod izvirnega dokumenta“, datum prevoda ter polno ime in kontaktne podatke prevajalca ali predstavnika prevajalskega podjetja.
6. Priznavate in se strinjate, da bomo lahko:
  1. raziskali vaše ozadje, vključno in neomejeno z preverjanjem kreditnega stanja, bančnimi odnosi in finančno zgodovino;
  2. . zbirali podatke in/ali informacije o vas s pomočjo avtomatskih sredstev, javnih registrov, družbenih medijev, prodajalcev podatkov ali drugih ponudnikov podatkov;
  3. zahtevali od vas druge podatke.
7. Zbrane podatke bomo uporabili za izpolnjevanje zakonsko predpisanih storitev, storitve skrbnega pregleda, analizo tveganja,
  preprečevanje goljufij in obvladovanje tveganja, spremljanje in ocenjevanje vašega finančnega in kreditnega statusa, preprečevanje zahtevkov, ki jih proti nam vloži kateri koli imetnik kartice, ter za zagotavljanje Storitev.
8. V primeru, da ne začnete z obdelavo v roku 6 mesecev od datuma Začetka veljavnosti Pogodbe, boste morali
  predložiti posodobljeno dokumentacijo, kot je potrebna za sklenitev Pogodbe.
9. Za oceno in obvladovanje kreditnih tveganj in tveganj goljufij nam morate na zahtevo predložiti kopije finančnih računov, računov dobaviteljev,
  pogodb s strankami in kakršno koli drugo dokumentacijo, ki jo lahko zahtevamo.
10. Za zagotovitev obrambe pred morebitnimi zahtevki katerega koli Imetnika kartice nam boste posredovali vse informacije in pomoč, ki jih lahko razumno zahtevamo.
11. Trgovec se zavezuje, da nam bo na zahtevo takoj posredoval:
  - imena vseh komitentov in državo stalnega prebivališča teh komitentov; in
  - poročila o transakcijah, vključno s podrobnostmi, ki jo lahko zahtevamo mi in/ali Partnerska banka,
  - podatke, ki jih lahko občasno zahtevamo, da se odzovemo na zahtevo ali obveznost posredovanja informacij, ki jo imamo do katerega koli Mednarodnega plačilnega sistema,
12. Trgovec se strinja, da lahko Partnerska banka po lastni presoji posreduje takšne informacije Mednarodnim plačilnim sistemom in vladnim ali kvazi-vladnim subjektom.
13. Zavezujemo se, da podatkov o transakcijah ne bomo uporabljali za druge namene kot za zakonito obdelavo teh podatkov v skladu z zahtevami PCI DSS in v skladu z zahtevami pravil Mednarodnih plačilnih sistemov.
  
  Integracija z našo platformo za obdelavo
14. Vi ste odgovorni za tehnično integracijo z našo platformo za obdelavo in za vse stroške in izdatke, ki so neposredno ali posredno nastali pri uspešnem zaključku tehnične integracije.
15. Vi boste odgovorni za:
  1. zagotavljanje, da imate sistemske skrbnike, ki je/so seznanjeni z integracijami plačilnega sistema in lahko delujejo kot prva točka za stike;;
  2. nas brez nepotrebnega odlašanja obveščate o vseh spremembah kontaktnih podatkov vašega skrbnika sistema;
  3. zagotavljanje telekomunikacijskih in omrežnih storitev ter pravilno konfiguriranje strojne in druge opreme, potrebne za integracijo;
  4. konfiguracijo in upravljanje dostopa do naše platforme za obdelavo; in
  5. pridobitev našega predhodnega pisnega soglasja za kakršno koli vključitev Plačilnega prehoda, ki se ga morda želite lotiti; in
  6. kakršno koli delo, potrebno za vsako integracijo, ki smo jo odobrili.
16. Če se izrecno strinjamo, vam bomo v celotnem obdobju veljavnosti Pogodbe posredovali programsko in sistemsko opremo, ki je potrebna za integracijo naše platforme za obdelavo in vam bo omogočila prejemanje storitev pridobivanja.
  
  Storitve Plačilnega prehoda
17. V času trajanja Pogodbe vam bomo zagotavljali Storitve plačilnega prehoda, da se boste lahko povezali z našo platformo za
  obdelavo, ter tehnično podporo, potrebno za sprejemanje Kartic na spletnem mestu Trgovca. Zavezujete se, da boste Storitve plačilnega prehoda uporabljali, na način, ki je določen v tej
  Pogodbi, in programsko opremo Plačilnega prehoda.
18. Storitev Plačilnega prehoda bomo zagotavljali neprekinjeno, 24 ur na dan, 7 dni na teden, 365 dni na leto.
19. Zagotovili vam bomo RAM dostop do našega Plačilnega prehoda, ki omogoča:
  1. spremljanje transakcij;
  2. prenos poročil o transakcijah;
  3. druge funkcionalnosti po dogovoru.
20. Zagotovili vam bomo podrobna navodila za dostop do našega Plačilnega prehoda in njegovo uporabo.
21. Ko vam bomo zagotavljali Storitve Plačilnega prehoda, bomo odgovorni za varnost občutljivih plačilnih podatkov, ki jih bomo
  shranili, obdelovali ali prenesli v vašem imenu, v kolikor bomo lahko vplivali na varnost podatkovnega okolja vašega Imetnika kartice.
22. Mi in Partnerska banka se zavezujemo, da bomo Izvirne kreditne transakcije obdelovali samo za blago in storitve, ki so v
  skladu z vrstami poslovne dejavnosti posameznega Trgovca, navedenimi v Začetnem vprašalniku trgovca
  
  Plačilne strani Splošne zahteve
23. Trgovec uporablja storitve za Transakcije brez prisotnosti kartice prek Plačilnih strani, razen če je v Pogodbi dogovorjeno drugače. Trgovec Stranko preusmeri na zavarovano Plačilno stran.
24. Trgovec ne bo zajemal, registriral in/ali od Stranke zahteval, da izpolni kakršne koli Plačilne podatke (izrecno vključno s podatki o Kreditni kartici) na svojem spletnem mestu, temveč bo namesto tega uporabil Plačilne strani, da Stranka tam posreduje svoje Plačilne podatke.
25. Trgovec za vnos plačilnih podatkov na Plačilne strani ne bo uporabljal tehnologij za zajemanje zaslona ali drugih tehnologij za emulacijo.
26. Trgovec ne sme uporabljati nobene(-ih) Plačilne(-ih) strani, razen če smo se s tem pisno strinjali. Preden nam posredujete podatke o
  
  transakcijah, morate zaprositi za naše soglasje za spremembe na odobreni(-h) Plačilni(-h) strani(-ah).
27. Če vam dovolimo uporabo katere(-ih) koli(-ih) Plačilne(-ih) strani, ste odgovorni za njeno(-e) varnost, hrambo in vzdrževanje za predložitev podatkov o Transakcijah pri nas.
28. Če menimo, da katera koli odobrena Plačilna stran ne izpolnjuje več naših varnostnih standardov v zvezi z Občutljivimi plačilnimi podatki, lahko od vas zahtevamo, da jo zamenjate.
  
  Plačilna stran
29. Če želite pošiljati podatke o transakcijah v zvezi s spletnimi plačili, morate imeti Plačilno stran, ki jo v svojem imenu gostite vi ali tretja oseba v vašem imenu in je odobrena z naše strani.
30. V kolikor uporabljate Plačilno stran, ki smo jo zagotovili mi:
  1. smo odgovorni za zagotavljanje, da je Plačilna stran v zvezi z zbiranjem in shranjevanjem občutljivih podatkov o plačilu skladna s sistemom PCI DSS stopnje 1 in bomo sodelovali s PCI SCC v obsegu, ki bo potreben za dosego tega cilja; in
  2. . morate opraviti vse Transakcije s SCA, razen če se z nami pisno dogovorite drugače. API vmesnik
31. Povezave z API vmesnikom se vzpostavijo s klici “REST” z uporabo HTTPS. Preverjanje pristnosti se izvaja s kombinacijo preverjanja ID trgovine/Kode trgovca na drobno, IP in/ali certifikata stranke.
32. Trgovec se zavezuje, da bo za vse Transakcije uporabljal SCA.
33. Če trgovec ne aktivira SCA za Transakcije, ponujene prek vmesnika API, kjer je takšna možnost na voljo, ima Paywiser pravico začasno prekiniti Pogodbo.
34. Trgovec, ki uporablja API vmesnik, mora ves čas v celoti izpolnjevati takrat veljavna pravila PCI-DSS in na Paywiserjevo prvo zahtevo to dokazati ter predložiti svoje veljavno potrdilo o izpolnjevanju teh pravil.
  
  Plačilo s povezavo
35. Plačilo s povezavo je enostaven in varen način, ki trgovcem omogoča prejemanje plačil od strank. Povezavo
  za plačilo ustvarite tako, da v spletnem mestu paybylink.paywiser.com navedete podatke o plačilu (znesek in valuta). Povezavo lahko nato delite s svojimi strankami prek želenih komunikacijskih
  kanalov. Ko vaše stranke obiščejo povezavo, se jim prikaže poziv za dokončanje plačila. Ko zaključijo plačilo, lahko stanje plačila in podrobnosti o Transakciji pregledate na spletni
  strani office.paywiser.com na strani Povezave do transakcij. Tako je plačilo za vaše stranke enostavno in priročno, vi pa denar prejmete do trikrat hitreje.
36. Pomembno je, da je sporočilo, ki vsebuje povezavo za plačilo, zaupanja vredno. V razdelku Plačilo s povezavo lahko uporabite
  svoj logotip. Besedilo elektronskega ali besedilnega sporočila lahko vedno prilagodite sporočilu, ki ga želite posredovati. S tem prispevate k večji zaupljivosti in povečate število
  konverzij.
  
  Obvladovanje tveganj
  
  Splošne določbe
37. Ko boste ponujali svoje izdelke in / ali storitve, boste morali upoštevati pravila, ki so določena v Standardih glede vas kot Trgovca, vaših
  
  odnosov s strankami in tretjimi osebami in uporabo Kartic kot način plačila.
38. Izvajali bomo spremljanje vašega podjetja, vključno z obdelavo transakcij, da bomo lahko zagotavljali njegovo stalno
  skladnost z Regulatornimi zahtevami in Standardi ter vas redno podpirali pri odpravljanju tveganj, ki ste jim lahko izpostavljeni v zvezi s poslovanjem vašega podjetja. Naši Partnerski
  banki bomo morda morali posredovati rezultate naših pregledov spremljanja in jo obvestiti o morebitnih neskladnostih ali domnevnih neskladnostih.
39. Zavezujete se, da boste natančno upoštevali naša navodila glede sprejemanja kartice in obdelave transakcij, katerih namen je zagotoviti skladnost s Standardi in zmanjšati raven izpostavljenosti tveganju.
  
  Omejitev Transakcij
40. Za transakcije, ki jih bomo obdelali za vas, lahko določimo začasne omejitve. Te omejitve so lahko:
  1. Omejitve zneska – za posamezno transakcijo , za kartico na dan/teden/mesec
  2. Omejitev števila računov – po kartici na dan/teden/mesec
41. Te omejitve bomo preučili in kjer bomo ugotovili potrebo po njihovih spremembah, bomo to tudi storili.
42. Če presežete določen limit, se lahko obdelava začasno ustavi in lahko zadržujemo sredstva za poravnavo dokler
  se ne dogovorijo nove omejitve, ali pa spremenimo pristojbine in provizije, ki jih plačujete v skladu s Pogodbo.
  
  Varnost plačilnih podatkov
43. Trgovec jamči, da ne bo kopiral, zajemal ali prestrezal Plačilnih podatkov, kot so številke kreditnih kartic, kode CVM, kode “PIN”, ki so vnesene na Plačilni strani. Če Paywiser upravičeno
  domneva, da Trgovec kopira, zajema ali prestreza Podatke o plačilih, ima Paywiser pravico začasno ustaviti obdelavo Transakcij in Poravnavo. Trgovec mora Paywiserju v celoti povrniti
  škodo in ga razbremeniti vseh izgub, zahtevkov, stroškov ali škode, ki bi jih Paywiser utrpel zaradi kršitve te obveznosti s strani Trgovca.
  
  Goljufije
44. Vse transakcije, ki so predmet Storitev Paywiser, bodo pregledane s orodji za preprečevanje goljufij, ki ki opravljajo številna preverjanja transakcije. Orodja za preprečevanje goljufij ne
  zagotavljajo preprečitve goljufivih Transakcij niti preprečitve posledičnih Finančnih reklamacij ali glob. Končno odgovornost za sprejetje ali zavrnitev transakcije nosi Trgovec. Paywiser ima
  možnost zahtevati preklic Transakcij, za katere utemeljeno sumi, da so goljufive ali so povezane z drugimi kriminalnimi dejavnostmi, tudi če orodja za preprečevanje goljufij niso uspela blokirati Transakcije. Zajem plačila
45. Pri nekaterih načinih plačil je mogoče zahtevati Avtorizacijo plačila (preveriti, ali ima stranka res račun,
  ki se lahko bremeni za znesek plačila), ne da bi takoj opravili zajetje transakcije. Predhodna Avtorizacija daje Trgovcu dodatno zagotovilo, da bo transakcija, ko jo Trgovec zajame, poravnana
  Trgovcu (in ne blokirana ali predmet povračila stroškov). Trgovec se zaveda, da imajo Avtorizirane transakcije omejeno najdaljše obdobje zajema plačila, v katerem ga lahko zajamejo.
  ter Določi ga Banka izdajateljica ali zadevni Lastnik Sheme. Po preteku veljavnega obdobja zajema plačila, dodatno zagotovilo, ki ga daje predhodna Avtorizacija, ni več veljavno, kar
  povečuje možnost, da zajem plačila ne bo privedel do uspešne poravnave povezanega plačila. Trgovec bi moral na splošno upoštevati, da je obdobje zajema plačila lahko 5 dni ali krajše po
  odobritvi.
  
  Podpora uporabnikom
46. Naše osebje bo na voljo za odgovor na vaša vprašanja v zvezi s Storitvami v Delovnih dneh med Delovnim časom, razen če ni dogovorjeno drugače.
47. Našo komunikacijo z vami bomo vodili vljudno, hitro in učinkovito ter si bomo prizadevali uspešno razrešiti kakršno koli vprašanje v zvezi s storitvami.
  
  Usposabljanje in izobraževanje
48. Vseskozi vam bomo zagotavljali izobraževanja, izobraževalno podporo in obvestila, da bomo zagotovili vašo skladnost z Regulatornimi zahtevami, Standardi in Pogodbo.
49. Zavezujete se, da se boste seznanili z vsem gradivom, ki vam ga predložimo skladno s Pogodbo in da boste sodelovali na vseh usposabljanjih in delavnicah, ki jih bomo organizirali za vas.
PRAVICE IN DOLŽNOSTI TRGOVCA

Skladnost

Potrjujete, da ste seznanjeni z veljavnimi regulatornimi zahtevami, pravili in tehničnimi zahtevami, ki jih določajo Mednarodni plačilni sistemi in mi in/ali naša Partnerska banka, Standardi in Pogodba, ter se zavezujete, da boste delovali v skladu z njimi in da se boste vzdržali dejanj, ki bi lahko škodovala varnosti, zaščiti in stabilnosti Plačilnega sistema. Potrjujete tudi, da boste spoštovali Zakon o preprečevanju pranja denarja in financiranja terorizma.
Trgovec se zavezuje, da bo brez odlašanja začel izpolnjevati pogoje v zvezi s tveganjem, ki jih Mednarodni plačilni sistemi in mi lahko občasno določimo kot potrebne in jih uvedemo za trgovca.

Sprejem kartic
Pogodba določa pogoje v skladu s katerimi ste pooblaščeni za sprejemanje Kartic.

Prikaz oznake sprejema
Na lokaciji Trgovca morate prikazati ustrezne oznake Kartičnih shem, kjer so navedeni načini plačila, ki označujejo katere Kartice se sprejema za plačila.
Ko na svoji spletni strani prikažete oznako sprejema Kartične sheme, se strinjate, da sprejemate kartico te Kartične sheme za plačilo.
Na vaši spletni strani in/ali aplikaciji je najprimernejši način prikaza sprejema barvna oznaka na plačilni strani.
V vseh primerih morate oznake sprejema prikazati po pariteti (glede na velikost, pogostost in lokacijo) z vsemi drugimi prikazanimi sprejemnimi znamkami katere koli vrste.

Imetnik kartice Obdelava Transakcij

Splošne zahteve
Zavezujete se, da nam boste poslali le zapise veljavnih Transakcij, ki ste jih opravili vi. Ne smete oddati nobene transakcije, ki:
1. je od Stranke s katero niste v pogodbenem dogovoru, vključno takrat, ko je bil pogodbeni dogovor razvezan;
2. je za izdelke in/ali storitve, ki ne spadajo v vaše poslovanje, kot je opisano v Začetnem vprašalniku za Trgovce;
3. je ponavljajoče ali nenačrtovana transakcija z zaupnimi datotekami in niste izpolnili pogojev iz pogodbe z Imetnikom kartice;
4. je za plačilo izdelkov in/ali storitev, ki niso odpremljeni ali opravljeni;
5. je bila pozneje razveljavljena v celotnem, ali ki predstavlja znesek delnega avtorizacijskega zahtevka;
6. je bila predhodno sporna in nato vrnjena Trgovcu. Vendar lahko Trgovec nadaljuje s plačilom s strani stranke zunaj kartičnega plačilnega sistema;
7. je nezakonita (transakcija mora biti zakonita tako v jurisdikciji vaše stranke kot v jurisdikciji vaše prodajne enote);
8. je od stranke, ki ji zaradi starostne omejitve ali drugih omejitev predpisi ne dovoljujejo nakupa izdelka ali storitve;
9. škoduje blagovni znamki;
10. se na kakršen koli način nanaša na državo ali osebo, za katero veljajo finančne sankcije, ki jih naložijo organi Združenih narodov, Evropske unije, Združenega kraljestva ali Združenih držav.
  
  Sprememba in prilagoditev
Če ste pomotoma obdelali transakcijo, morate v 30 koledarskih dneh obdelati spremembo ali prilagoditev.

Pravica Imetnika kartice do pritožbe
Kot pogoj sprejemanja Kartice ne smete zahtevati, da se Imetnik kartice odreče pravici do pritožbe v zvezi s Transakcijo.

Povračila
Povračilo morate procesirati samo takrat, ko želite Imetniku kartice nakazati sredstva za vrnjene izdelke, odpovedane storitve ali popravek cene v zvezi s predhodnim nakupom.
Povračilo ne sme presegati odobrenega zneska povezane Plačilne transakcije.
Nadomestilo v povezavi s transakcijo morate zahtevati na isti kartici, kot je bila uporabljena za prvotno plačilno transakcijo, ne z gotovino ali čekom. Povračilo na bančni račun Stranke je možno le v primeru, da je veljavnost Kartice potekla.
Ne smete:
1. prejeti plačila Imetnika kartice za obdelavo Nadomestila;
2. Obdelati nadomestila, brez da bi z istim imetnikom kartice zaključili predhodno Plačilno Transakcijo.
Pri obdelavi Povračil morate dosledno upoštevati navodila, ki vam jih damo po sklenitvi te Pogodbe in njenih morebitnih spremembah.

Znesek Transakcije
Ne smete določiti minimalnega ali najvišjega zneska transakcije kot pogoja za upoštevanje kartice.

Plačilo obstoječega dolga
Ne smete izvesti nobene transakcije, ki predstavlja refinanciranje ali prenos obstoječe obveznosti Imetnika kartice, za katero se domneva, da je neizterljiva ali izhaja iz zlorabe osebnega čeka imetnika kartice.

Prepoved nakupa Finančnih instrumentov (Scrip)
Trgovec ne sme sprejeti kartice za nakup Scrip.
Scrip pomeni nadomestek ali alternativo zakonitemu plačilnemu sredstvu, ki imetniku daje pravico, da v zameno nekaj prejme. Na voljo je v različnih oblikah, običajno kot oblika kredita. Deponiranje Transakcij
V kolikor nam predstavite ali pošljete Transakcijske podatke, s tem potrjujete, da:
1. so predloženi Transakcijski podatki popolni in točni;
2. so po vašem najboljšem vedenju vse izjave in dejstva iz Transakcijskih podatkov pravilna in popolna;
3. ste dobavili (ali za predplačilo ali polog pristali na dobavo) izdelkov in/ali storitev, na katere se nanašajo Transakcijski podatki, in vrednosti, ki so navedene v Transakcijskih podatkih;
4. ste izpolnili pogoje iz dogovora z Imetnikom kartice za obročno transakcijo, ponavljajočo se transakcijo ali nenačrtovano transakcijo z datotekami poverilnic;
5. transakcije niste razdelili na 2 ali več Transakcij.
S pošiljanjem podatkov o Transakciji potrjujete, da ste izdelke in/ali storitve dobavili Imetniku kartice in da ste izpolnili kakršno koli obveznost, ki jo morda imate do Imetnika kartice. Vsako nespoštovanje
obveznosti do imetnika kartice se šteje za kršitev Pogodbe.

Transakcije Spletne trgovine
Zavezujete se, da na noben način ne boste uporabljali nobenega spletnega mesta, ki bi lahko ogrozilo celovitost, zaupnost ali varnost vaših terminalov, povezane opreme, katerega koli računalniškega
sistema, strežnikov ali omrežja, ki jih uporabljate za komunikacijo z nami oz. z Imetniki kartic ali drugimi računalniškimi sistemi, tudi prek onemogočenih naprav in nezaželenih e-poštnih sporočil.
Vaša spletna stran in/ali aplikacija mora jasno in vidno prikazati vse potrebne podatke v skladu s standardi, vključno z:
1. podatki o vas, vključno z: imenom, državo, poštnim naslovom, naslovom elektronske pošte, telefonsko številko, podatki poslovnega registra in matično številko in po potrebi – identifikacijsko
  številko za DDV; kontaktne podrobnosti o službi podpore za stranke;;
2. informacijami o vaših izdelkih in/ali storitvah – popoln opis ponujenih izdelkov/storitev;
3. podatki o plačilih, vključno s znamkami sprejema, ceno, valuto transakcije, časom obračuna, časom izpolnitve
  transakcije in funkcijskim gumbom, s katerim mora Imetnik kartice potrditi nakup pred zaključkom prodaje; opis vaših varnostnih zmogljivosti;
4. pravne omejitve, če so znane, na primer; izvozne omejitve;
5. pravila, politike, postopke, vključno s – Splošnimi pogoji, dostavno politiko in politiko o razdeljenih pošiljk, doplačilno politiko, Politiko vračil/povračil, Politiko odpovedi, Politiko
  zasebnosti podatkov o potrošnikih, Postopek reševanja sporov, Kodeks ravnanja;
6. oddaja naročila – razpoložljivost tehničnih sredstev, ki kupcu omogočajo, da prepozna in popravi napake pri vnosu pred oddajo naročila in zagotovitev potrditve prejema naročila.
Vi ste odgovorni za preverjanje naslova Imetnika kartice in za zagotovitev, da se izdelki pošiljajo na ta naslov.
Glede na izdelke in/ali storitve, ki se ponujajo, se lahko uporabljajo posebne zahteve.
Če SCA ne uvedete v za nas sprejemljivem roku, se lahko vaša pravica do obdelave transakcij nemudoma prekine.
Pri uporabi protokola SCA morate upoštevati vsa navodila, ki vam jih naložimo. Potrdilo o transakciji
Omogočati morate prikazano stran s potrdilom, ki ga je mogoče natisniti, Imetniku kartice morate pa zagotoviti tudi neposredno povezavo do potrdila o transakciji ali, prejem računa po e-pošti ali drugih elektronskih sredstvih. Potrdilo o transakciji mora biti v statični obliki, ki je ni mogoče enostavno manipulirati, ko je kartica potrjena.
Potrdilo o transakciji mora vsebovati najmanj (i) podatke trgovca – ime / firmo in lokacijo – mesto in državo; (ii) podatke o plačilu -znesek, valuta, menjalni tečaj, doplačilo; (iii) zadnje 4 števke, če je PAN. Potrdilo ne sme vsebovati občutljivih podatkov o plačilu, kot sta PIN in CVV.
Potrdilo o transakciji morate hraniti najmanj 13 mesecev od datuma transakcije in nam ga na zahtevo predložiti.

Promocijska gradiva
Uporabljati smete tisto
promocijsko gradivo (na primer oglase, pisalne potrebščine, vizitke, prodajne brošure,
promocijske vsebine spletnih strani itd.), ki smo ga odobrili pri nas. Če vsebina gradiva ni v
skladu z veljavnimi regulatornimi zahtevami, standardi in Pogodbo, smo upravičeni do zaustavitve
kakršne koli tržne kampanje. Če uporabljate promocijsko gradivo (kot so oglasi, tiskovine,
vizitke, prodajne brošure, promocijska vsebina spletne strani itd.), ki se nanaša na Paywiser
ali naše Storitve, morate imeti našo predhodno pisno odobritev. Če vsebina gradiva ni v skladu z
veljavnimi zakonskimi zahtevami, standardi in pogodbo, imamo pravico, da začasno ustavimo vsako
tržno kampanjo, ki se nanaša na Paywiser ali naše storitve.
Vaša
promocijska gradiva NE smejo vsebovati zavajajočih izjav, vključno z izjavami:
1. da ste član / zastopnik Visa / MasterCard;
2. da je vaša registracija z Visa / MasterCard, potrditev vaših izdelkov in / ali storitev;
3. ki pomenijo, da sodelujete v dejavnosti, ki jo Standardi ne dovoljujejo.
  
  Uporaba oznak Kartičnih shem
Priznavate, da je vsaka Kartična shema edina lastnica svojih blagovnih znamk.
Strinjate se:
1. z uporabo ene ali več blagovnih znamk za označbo sprejemanja plačil, pod pogojem, da so izpolnjene zahteve iz standardov;
2. ne uporabljati oznak Kartičnih shem za promocijske ali oglaševalske namene v nobenih medijih, razen če standardi Kartičnih shem ne dovoljujejo njihove uporabe;
3. ne uporabljati oznak Kartičnih shem na način, ki napeljuje na odobravanje vaših izdelkov in
  / ali storitev;
4. da ne boste iz kakršnega koli razloga izpodbijali lastništva blagovnih znamk;
5. da vam Kartične sheme lahko iz katerega koli razloga prepovejo uporabo katere koli njihove blagovne znamke.
V povezavi z vašimi izdelki in /
ali storitvami lahko uporabite eno ali več blagovnih znamk, pod pogojem, da se blagovne znamke uporabljajo:
1. v skladu s standardi, vključno z vsemi trenutnimi standardi za reprodukcijo, uporabo in umetniška dela; in
2. v skladu z našimi izrecnimi pisnimi navodili; in
3. izključno v zvezi z zagotavljanjem vaših izdelkov in / ali storitev.
  
  Varnost občutljivih plačilnih podatkov
Izključno ste odgovorni za varnost in zaščito shranjenih, obdelanih in poslanih Občutljivih plačilnih podatkov. Za preverjanje vaše

skladnosti s PCI-DSS bomo morali dobiti potrebne dokumente.

Uporaba občutljivih plačilnih podatkov
Upoštevati morate vse navedeno:
1. ne zahtevate ali uporabite številke računa za kakršne koli namene, ki niso povezani s
  plačilom za vaše izdelke in/ali storitve, razen kadar se za izdelke in/ali storitve plačuje z uporabo te številke računa;
2. ne objavite celotne številke računa Imetniku kartice na spletu, če ste Trgovec spletne trgovine;
3. od Imetnika kartice ne smete zahtevati razkritja njihovega PIN;
4. od Imetnika kartice ne smete zahtevati razkritja »Card Verification Value 2« (CVV«) na nobenem pisnem obrazcu;
5. reproduciranje podpisa Imetnika kartice samo na našo posebno pisno zahtevo ali kot odgovor na zahtevo za pridobitev;
6. shranjevanje in uporabo shranjene poverilnice samo po dogovoru z Imetnikom kartice;
7. nobene varnostne kode se ne smejo ekstrahirati, hraniti ali razkrivati, razen za obdelavo
  transakcijskih podatkov.
  
  Dogodek podatkovne varnosti
Če se zgodi Dogodek podatkovne varnosti, ali če sumite, da se je zgodil Dogodek podatkovne varnosti, nas o tem takoj pisno obvestite in navedite naslednje podatke:
1. vaše polno ime, trgovsko ime (če obstaja, npr.: firma) in MID-i, ki naj bi bili kršeni;
2. popoln opis dejanskega ali domnevnega dogodka podatkovne varnosti;
3. podrobnosti o številu Imetnikov kartic, na katere vpliva dejanski ali sumljiv dogodek podatkovne varnosti; in
4. kopijo vse korespondence med vami in katerim koli Izdajateljem kartice ali Imetnikom kartice v zvezi z dejanskim ali domnevnim dogodkom podatkovne varnosti.
Takoj nam boste posredovali vse dodatne informacije, ki jih bomo potrebovali v zvezi z dejanskim ali domnevnim dogodkom podatkovne varnosti.
Naše soglasje morate pridobiti pred nastankom kakršnih koli stroškov pri odpravljanju dogodka podatkovne varnosti (dali bomo svoje soglasje, razen če ni razloga za to) za katere bi bili lahko morda odgovorni mi.

Revizija
Za preverjanje skladnosti lahko izvedemo revizijo vašega zaposlovanja; inventar; reklamno gradivo, prodajno in trgovsko gradivo; operativni nadzor; uveljavljene provizije; spoštovanje standardov.
Minimalno 30 (trideset) dni pred kakršnim koli uveljavljanjem naših pravic iz tega oddelka “Revizija”, vam bomo
poslali pisno obvestilo, razen če zahteve regulatornega organa ne dovoljujejo takega obvestila ali imamo pomislek o takojšnji nevarnosti za varnost podatkov, skladnost oz. sumu goljufije.
Svoje pravice iz oddelka „Revizija“ bomo izvajali razumno in običajno največ enkrat letno, razen če
regulatorni organ zahteva drugače ali obstajajo takojšnje grožnje glede varnosti podatkov, skladnosti ali goljufij.
Na vašo zahtevo morate:
1. Dovoliti ali zagotoviti, nam ali našim ustrezno pooblaščenim predstavnikom, dostop do vseh prostorov, ali do sistemov, v/na katerih vaše podjetje trguje, ali kjer se nahajajo vaše evidence
  ali zaloge, v času običajnih delovnih ur in da pregledamo vse tiste prostore, sisteme, evidence ali zaloge ter prostore katere koli druge dejavnosti, za katere menimo, da so z
  vami lahko povezani;
2. dovoliti ali naročiti nam ali našim ustrezno pooblaščenim predstavnikom, da vzamemo in hranimo kopije vseh ali kakršnih koli takih zapisov; in
3. Posredujete nam ali našim ustrezno pooblaščenim zastopnikom ali zagotovite, da bomo mi ali oni dobili poštene in izčrpne odgovore na vsa vprašanja, ki se lahko zastavijo v zvezi z vami in vašim podjetjem ter da ugotovimo, ali svoje obveznosti opravljate v skladu z vsemi določbami Pogodbe.
Na našo zahtevo nam morate predložiti svoj Akcijski načrt nemudoma, oziroma najpozneje v 6 (šestih) delovnih dneh po prejemu naše zahteve.
Svoj Akcijski načrt nam morate predložiti, če se število vaših finančnih reklamacij ali goljufivih transakcij preseže vsaj enega od naslednjih parametrov:
1. . pri Transakcijah, opravljenih s Karticami, izdanimi pod blagovnimi znamkami “MasterCard”, “Maestro”, “Visa” in “Visa Electron” -50 (petdeset)
  finančnih reklamacij in/ali 1 % (en odstotek) skupnega števila Transakcij v tekočem mesecu;
2. . znesek goljufivih Transakcij, opravljenih prek Kartic, izdanih pod blagovno znamko “MasterCard”
  in “Maestro”, presega 3 000 USD (tri tisoč ameriških dolarjev) in/ali 3 % (tri odstotke) skupnega zneska Transakcij za tekoči mesec;
3. . znesek goljufivih Transakcij, opravljenih prek Kartic, izdanih pod blagovno znamko “Visa” in “Visa Electron”, presega 25 000 USD (petindvajset tisoč ameriških dolarjev)
  in/ali 1 % (en odstotek) skupnega zneska Transakcij za tekoči mesec;
  
  Sodelovanje s Kartičnimi shemami
Zavezujete se, da boste v
celoti sodelovali s Kartičnimi shemami pri vseh preiskavah, inšpekcijskih pregledih, revizijah,
pregledih, katerih cilj je zagotoviti skladnost s standardi Kartične sheme in varno in
zanesljivo delovanje, ki vključuje zagotavljanje dostopa do prostorov in vseh ustreznih evidenc,
vključno s finančnimi poročili in hitro dostavo vseh zahtevanih podatkov in gradiv v
dogovorjenem časovnem okvirju.

FINANČNE ZAHTEVE

Provizije in druge dajatve

Kot plačilo za opravljene
Storitve se strinjate, da nam boste plačali ustrezne provizije, ki so določene v Ceniku, ali
drugače, kot smo jih

določili
skupaj s Pogodbo ali, po potrebi, po prejemu računa od nas.
Vse provizije, ki se nam
plačajo v skladu s Pogodbo, so takoj zapadle v plačilo ob izvedbi ustrezne Storitve. Naše
provizije niso vračljive, razen če ni izrecno dogovorjeno drugače.
Provizije so po potrebi
navedene brez davka na dodano vrednost (DDV) ali davka na finančne storitve (DFS). Zaračunali
bomo DDV/DFS ali primerljive davke na prodajo poleg provizij, ki so določene v Ceniku, če
storitve, ki jih opravljamo postanejo predmet DDV/DFS ali primerljivih prodajnih taks, kadar
bodo tako zahtevale zakonske zahteve. Po potrebi vam bomo posredovali podatke o neto znesku,
znesku davka in uporabljeni davčni stopnji.
Kadar je
mogoče, bodo vse zapadle provizije odštete od razpoložljivega stanja(razen tistih, ki vsebujejo
sredstva strank) ali iz kakršnih

koli zneskov,
ki jih je treba plačati vam za poravnavo vaših obveznosti do nas..
Če ne bomo
mogli odšteti zapadlih provizij, bomo izdali račun za dolgovani znesek.
Za vse
provizije, ki jih dolgujete tretjim osebam, ste izključno sami odgovorni in jih Pogodba ne
pokriva.
Če nam ne plačate zapadlih
zneskov v zgoraj navedenem časovnem okviru, vam lahko od datuma zapadlosti do celotnega
poplačila zaračunamo zamudne obresti po letni stopnji 8% nad osnovno posojilno obrestno mero v
Sloveniji, ki se občasno obračuna po dnevnem tečaju.
Za trgovce, ki delujejo po
modelu oblikovanja cen Interchange ++, se izmenjave in tarifne Kartičnih shem uporabljajo na
prehodni osnovi po transakciji, kar pomeni, da jih Paywiser ne obdrži, temveč jih posreduje
Izdajatelju kartice in Kartični shemi. Izmenjalni tečaji so določeni s strani Kartičnih shem in
so javno dostopni na uradnem spletnem mestu vsake Kartične sheme. Provizije za Kartične sheme
uporabljata Visa in MasterCard za vsako transakcijo, odvisno od blagovne znamke kartice, vrste,
izvora in vrste transakcije. Provizije za Kartične sheme se lahko občasno spremenijo na podlagi
morebitnih posodobitev provizij Vise in MasterCarda. Strinjate se, da boste plačali natančen
znesek provizij za izmenjavo in Kartične sheme, ki so bile zaračunane.
Pri trgovcu, ki posluje po
fiksnih provizijah (blended pricing), se za vsako transakcijo uporabi fiksni odstotek vrednosti
zneska transakcije. Kadar se z družbo Paywiser dogovorite o oblikovanju fiksnih provizij,
Paywiser odstotek fiksne provizije izračuna na podlagi značilnosti prometa, ki jih predloži
trgovec in so dokumentirane ob sklenitvi Pogodbe, ter je določen v ceniku. Če se dejanski promet
razlikuje od podatkov, ki jih je predložil trgovec, ima Paywiser pravico sorazmerno prilagoditi
odstotek fiksne provizije na podlagi dejanskih značilnosti prometa.
Provizija za pretvorbo valut
se lahko uporablja kadarkoli izvedemo konverzijo valut. Če mora trgovec za izvedbo dejanja v
skladu s to pogodbo pretvoriti valuto, uporabi tečaj Partnerske banke in/ali nas v trenutku
pretvorbe.
Če iz kakršnega koli razloga
odpovemo pogodbo pred iztekom 6 (šestih) mesecev od začetkaveljavnosti Pogodbe, nam na dan
odpovedi plačate provizijo za predčasno odpoved v višini 200,00 EUR. Vendar pa vam ne bomo
zaračunali odpovedi po poteku 6 (šestih) mesecev od sklenitve pogodbe.
Ne bomo vam zaračunali
zagotavljanja tistih informacij, za katere je zakonsko določeno, da jih je treba zagotoviti ali
dati na voljo Mi vam lahko zaračunamo vse informacije, ki vam jih posredujemo na vašo zahtevo,
če so te informacije: (i) druge od zakonskih informacij, ki jih je treba zagotoviti ali dati na
voljo;; (ii) posredovane pogosteje, kot je določeno v Pogodbi; ali (iii) predložene na papirju.
V vseh primerih bodo kakršne koli provizije, ki vam jih bomo naložili v plačilo zaradi
zagotavljanja informacij, razumno ustrezale našim dejanskim stroškom za njihovo posredovanje.
Strinjate se, da nam boste
vrnili celoten znesek karkoli spodaj naštetega:
1. Finančno reklamacijo;
2. Povračilo denarja (če ga že ne odštejemo od zneskov, ki smo jih mi plačali vam);
3. plačila, ki smo jih izvršili za posamezne transakcijske podatke;
4. provizije, globe ali druge dajatve, ki jih plačamo mi ali naš ponudnik storitev kot tretja oseba Kartičnim shemam ali katera koli drugi osebi, ki je posledica razmerja med povračili in
  transakcijami, ki presega panožno povprečje (kot je občasno določeno s strani Kartičnih shem);
5. vsi stroški, dajatve in/ali izdatki, ki jih nam in/ali Partnerski banki naloži kateri koli Mednarodni
  plačilni sistem v zvezi z dejavnostmi e-poslovanja trgovca, kakršno koli kršitvijo pravil Mednarodnih plačilnih sistemov ali kakršnim koli dejanjem ali neukrepanjem
  Trgovca, ki je v nasprotju z veljavnimi zakoni in/ali predpisi;
6. druge provizije, globe, izgube ali druge dajatve, ki jih plačamo mi ali naš ponudnik storitev kot tretja oseba Kartični shemi (kot so provizije za registracijo, presoja neskladnosti itd.) ali
  katera koli druga oseba (kot so spori, tožbe, neizpolnjevanje vaših obveznosti itd.) v zvezi s to Pogodbo.
Poleg tega vam lahko
zaračunamo administrativno provizijo kot odstotek nad zneskom nastalih finančnih obveznosti.Vi
boste plačali vse stroške vsakršnih revizij, ki bodo opravljene v skladu s Pogodbo.

Varščina

Splošne določbe
V zvezi z vami in vašo obdelavo lahko vzpostavimo varščino z namenom zagotavljanja vira sredstev za
plačilo vseh, dejanskih in razumno pričakovanih finančnih obveznosti. Takšna varščina bo
dogovorjena v Ceniku in shranjena na način, ki da jo boste lahko vi identificirali, mi pa nadzirali.
Varščina lahko vključuje: (i) ustanovitev Rezervacije sredstev; (ii) zagotavljanje garancije v našo korist; (iii) druge varščine, o katerih se pogodbenici dogovorita.
Pri določanju varščine in njenega zneska lahko upoštevamo našo oceno tveganja, vključno z vašim
celotnim finančnim stanjem.
Na lastne stroške boste izvedli vse nadaljnje ukrepe (vključno z pridobitvijo potrebnih dokumentov in
registracijo dokumentov), ki so potrebni za
vzpostavitev takšne varščine, in kot je razumno potrebno.
Varščina bo ostala ohranjena ne glede na kakršno koli odpoved pogodbe, vse dokler obstajajo odprte ali
pogojne finančne obveznosti.
Od vas lahko kadar koli z obvestilom zahtevamo, da varščino povečate na način, ki ga bomo določili in bo v zvezi z vsemi
zneski, ki so zapadli kadar koli v skladu s Pogodbo, ali kakršno koli izgubo ali škodo, ki jo lahko utrpimo na podlagi te Pogodbe ( vključno z morebitnim tveganjem povračila). Našo zahtevo
morate izpolniti v časovnem razponu, določenem v obvestilu.
Imeli bomo pravico, da kadar koli brez predhodnega obvestila pobotamo morebitne finančne obveznosti iz
razpoložljive varščine, ki ste nam jo zagotovili, ali jo hranimo v zvezi z katerimikoli vašimi obveznostmi.
Pobotamo lahko katerikoli znesek (ne glede na to, ali je povezano s Pogodbo), ki ga mi dolgujemo vam in
katerikoli znesek, ki ga vi

dolgujete nam, ali tisti znesek za katerega upravičeno domnevamo, da bo zapadel ampak bo ostal neplačan z vaše strani.
Če so obveznosti strank po tej Pogodbi izražene v različnih valutah, lahko za namen kakršne koli kompenzacije in/ali odbitka pretvorimo vsako od teh obveznosti.
Dokler ima trgovec do nas neizpolnjene obveznosti, ne sme zastaviti, obremeniti, zastaviti, dodeliti, prenesti, obremeniti ali kako drugače zavarovati denarnih sredstev na katerem koli računu trgovca pri nas.
Če imate negativno stanje, kar pomeni, da vaše finančne obveznosti presegajo znesek varščine, nam boste dolžni plačati takoj na našo zahtevo za takšno plačilo. Če tega ne storite, to predstavlja kršitev Pogodbe.
Kadarkoli lahko pošljemo opomine ali sprejmemo ukrepe za izterjavo dolgov, vključno z, vendar ne omejeno na,
pooblastilom agencije za izterjavo dolgov ali odvetnikov, da vložijo tožbo na sodišču.
Zaračunali vam bomo stroške, ki so upravičeno nastali v zvezi s kakršnimi koli izterjavami ali prisilnimi izvršbami. Rezervacija sredstev
Znesek Rezerviranih sredstev bo določen bodisi kot: (i) Rezerva plačana vnaprej – kot absolutni znesek; in / ali (ii) obnavljajoča rezerva

– kot odstotek izkupička transakcij, brez zneskov, ki jih dolgujete nam.
Rezervo bomo po lastni presoji sami določali občasno.
Če rezerva ni bila ustanovljena na datum začetka veljavnosti Pogodbe, vas o uvedbi rezerve, njenem načinu izračuna, njeni višini
in kakršnem koli povečanju ali zmanjšanju rezerve brez nepotrebnega odlašanja pisno obvestimo kadar koli med Trajanjem Pogodbe.

Garancija
Lahko zahtevamo, da je varščina v obliki garancije; v takem primeru boste takšno garancijo naročili v našo korist. Garancija mora biti za

nas sprejemljiva glede na izdajatelja (lastnika trgovca ali povezano podjetje, banko ali drugo kreditno institucijo), obliko in znesek.

Poravnava
Zavezujemo se, da bomo z vami opravljali poravnave le v valuti, ki je določena v Ceniku, razen če se izrecno pisno dogovorimo drugače.
Pozitivno neto stanje med vplačilnimi transakcijami in izplačilnimi transakcijami se vam bo poravnalo, začetek te poravnave bomo izvedli, ali
poskrbeli, da se izvede, mi z bančnim nakazilom na vaš plačilni račun.
Zavezujete se, da boste v svojem imenu odprli in vzdrževali plačilni račun v času veljavnosti pogodbe in v obdobju, za katerega bo morda to potrebno po prenehanju Pogodbe.
Predložiti nam morate popolne in pravilne podatke o vašem Plačilnem računu.
Če spremenite svoj Plačilni račun:
1. s spremembo finančne institucije ali njene podružnice – o tem nas morate nemudoma obvestiti in takoj nepreklicno odobriti plačila, ki se nakazujejo na nov plačilni račun;
2. z novim, ki ga vodi drug subjekt – potem je potrebna naša predhodna odobritev..
Ne bomo v zamudi pri izpolnjevanju svojih obveznosti za poravnavo plačil, če finančne institucije, od katerih je
odvisna poravnava plačil, ne bodo spoštovale naših plačilnih navodil, kot ste jim jih določili vi.
Stranke se bodo strinjale, da
smo ravnali skrbno, če bomo plačilna navodila, kot ste jih določili vi, takoj vnesli v spletno
platformo finančnih institucij, ki služijo Paywiserju. Če plačilna navodila ne bodo spoštovana,
se zavezujete, da nam boste zagotovili nov Plačilni račun, pri tem pa mi v nobenem primeru ne
bomo odgovorni za pridobitev alternativne rešitve za poravnavanje.
Odgovorni smo za zagotavljanje
sredstev za poravnavo neposredno na vaš Plačilni račun. Zato zahtevamo, da se Plačilni račun
vodi v vašem imenu. Vsako plačilo po vašem navodilu na plačilni račun, ki ni voden v vašem
imenu, se bo štelo kot pravilno izvedeno vam in ne bo povzročilo kakršnekoli naše odgovornosti
po Pogodbi.
Obdobje
poravnave je dogovorjeno v Ceniku in je lahko tedensko, dvo-tedensko ali mesečno (priporočeno).
Vsako
plačilo lahko odložimo, če je dolgovani znesek nižji od najnižjega zneska pragu, ki znaša 100,00
EUR kot določeno v Ceniku. Plačilo

bo odloženo na
mesec, v katerem bo znesek dosegel prag ..
Prav tako
lahko odložimo plačilo zaradi razloga navedenega v razdelku „Suspenz storitev“.
Priznavate, da s plačilom
dolgovanega zneska na določeni plačilni račun ustrezno izpolnjujemo pogodbene zaveze v skladu s
Pogodbo in naša odgovornost za plačilo te dotične vsote preneha, ugasne ali se zmanjša. Če se
izvede takšno plačilo, boste izgubili pravico, da od nas zahtevate dodatno denarno ali drugo
nadomestilo. To ne posega v določbe o omejitvi odgovornosti.
Predložili vam bomo izjavo o
poravnavi, ki bo vsebovala podatke o plačanem znesku in podrobno navedbo povzetka računa in
transakcij, ki so bile vključene v poravnavo.

Izjave, računi in poročila
V .pdf obliki bomo pripravili
in vam po e-pošti poslali Izjavo o poravnavi glede vaših aktivnostih v zadevnem Poravnalnem
obdobju (v nadaljevanju „Izjava o poravnavi“) običajno v 3 Delovnih dneh po končanem poravnalnem
obdobju. Izjava o poravnavi bo vsebovala finančne podatke, ki odražajo vaše aktivnosti v obdobju
poročanja, kot so dovoljenje za transakcije, vračila kupnin, poravnave, povračila, provizije,
sprostitev tekočih rezerv itd. Izvod izjav o poravnavi hranite v svojih evidencah za prihodnje
potrebe.
Po opravljeni poravnavi,
morate prejeto izjavo o poravnavi nemudoma preučiti in nas takoj pisno obvestiti o morebitnih
netočnostih in neskladnostih, obvestite nas lahko najpozneje v 5 (petih) dneh po datumu Izjave o
poravnavi.
Obvestilo iz prejšnjega
člena mora biti pisno, tako da bodo podrobnosti o prijavi jasne in popolne. Obvestilo mora
vključevati vsaj: (i) vsakršno enotno identifikacijsko številko, (ii) znesek potrjene napake
(izražene v britanskem funtu ali drugi veljavni valuti), (iii) opis zatrjene napake; in (iv)
pojasnilo, zakaj menite, da obstaja napaka, in vzrok zanjo, če je znan. Obvestilo je treba
nasloviti na [email protected]
Šteje se, da
ste sprejeli in potrdili Izjavo o poravnavi, če nas v dogovorjenem roku 5 (petih) dni ne boste
obvestili o kakršnih koli

netočnostih in neskladnostih.
Vsaka zamuda
ali neupoštevanje vaše pravice do obvestila o Izjavi o poravnavi bo pomenilo in se šteje za
odpoved vašim zahtevkom, ki izhajajo, ali se nanašajo na netočnosti in neskladnosti v Izjavi o
poravnavi, to preprečuje nadaljnje uveljavljanje takšnih pravic (prekluzija).
Paywiser
samodejno zagotavlja elektronske račune. Zahtevate lahko tiskane račune ali izpiske (Paywiser
lahko zaračuna dodatne

stroške).
Če Trgovec izbere tedensko ali
dvo-tedensko obdobje poravnave, lahko Paywiser zaračuna dodatne stroške.

Oblikovanje cen
Paywiser ima
enostransko pravico dvigniti cene za svoje Storitve s 3 (tri) mesečnim vnaprejšnjim obvestilom.
Omenjena povišanja cen začnejo veljati za Storitve, ki jih opravlja Paywiser, šele po izteku
omenjenega obdobja. Vendar pa lahko Trgovec med 3 (tri) mesečnim odpovednim rokom odpove Pogodbo
s Paywiserjem, za katero velja povišanje cen, tako da Paywiserju pošlje pisno obvestilo po
izteku 3 (tri) mesečnega odpovednega roka.
V izogib dvomu, se ta klavzula
ne uporablja za kakršno koli sporočeno zvišanje provizij, ki jih zaračunavajo Partnerske banke
ali Lastniki sheme za uporabo njihovih plačilnih metod, če te provizije niso vključene v
provizije, ki jih zaračunava Paywiser (npr. če zadevni lastnik sheme ali Partnerska banka zviša
provizijo Interchange, če je dogovorjena uporaba cene Interchange Plus), ali zaradi sprememb
veljavne zakonodaje.

Inflacija
Paywiser ima
pravico spremeniti svoje cene, da se prilagodijo inflaciji z največjo objavljeno inflacijo v
zadnjem letu. Omenjeno spremembo cen lahko Paywiser izvede le enkrat letno in jo objavi vsaj 1
(en) mesec vnaprej.

Varovanje sredstev
Vaša sredstva varujemo z uporabo metode ločevanja. To vključuje:
1. hranjenje sredstev v naših knjigah/evidencah – od trenutka, ko so sredstva prejeta;
2. Polog sredstev na varovane račune, odprte pri pooblaščeni kreditni instituciji, ločeno od naših računov. V primeru plačilne nesposobnosti Paywiserja se vaše terjatve izplačajo iz sklada sredstev, oblikovanega iz sredstev na varovanih računih. Samo stroški v zvezi s distribucijo sredstev bodo plačani pred zahtevki strank.

ODGOVORNOST
1. Odgovornost
  vsake pogodbenice do druge pogodbenice za goljufijo ali smrt ali telesno poškodbo, ki je
  posledica njene malomarnosti,
  
  je neomejena.
2. V skladu s točko 9.1. je
  skupna odgovornost ponudnika storitev do trgovca po tej Pogodbi omejena na vse dogodke, ki se
  zgodijo v danem letu (kar za te namene pomeni vsako obdobje enega leta, ki se začne z datumom
  začetka veljavnosti pogodbe in vsako naslednjo obletnico datuma začetka veljavnosti), na skupni
  znesek, ki je enak provizijam, ki jih ponudnik storitev plača Paywiserju v navedenem letu (minus
  morebitni stroški, npr. provizije Mednarodnih plačilnih sistemov).
  
  Naša odgovornost
3. Odgovorni
  smo za vsako izgubo, ki je neposredno posledica naše malomarnosti, namerne zamude ali goljufije.
4. Trgovcu ne
  odgovarjamo za nobeno izgubo ali škodo, če je Trgovec s svojim dejanjem ali opustitvijo (iz
  malomarnosti ali ne) prispeval k
  
  tej izgubi ali
  škodi, odgovornost Trgovca pa se v tem primeru določi v skladu z načeli o prispevanju iz
  malomarnosti.
5. Naša odgovornost (vključno z
  odgovornostjo iz malomarnosti), ki izhaja iz Pogodbe, v nobenem primeru ne bo presegla skupnega
  zneska, ki je enak provizijam, ki ste nam jih plačali po Pogodbi v obdobju 6 (šest) mesecev
  neposredno pred dogodkom, ki je povzročil odškodninski zahtevek (zmanjšani za morebitne stroške)
  .
6. Nič, kar je
  določeno v Pogodbi ne bo izključilo ali omejilo dolžnosti ali odgovornosti:
  1. ki jo imamo do vas na podlagi Regulatornih zahtev; ali
  2. Regulatorne zahteve ne dovoljujejo izključitve ali omejitve.
7. Nismo
  odgovorni (vključno za malomarnost) za:
  1. za kakršne koli izgube zaradi nerazpoložljivosti naše Storitve, ki izhaja iz kakršnih koli aktivnosti ali
    opustitve tretjih oseb, naša odgovornost je v takem primeru omejena na razumno skrbnost
    pri izbiri, imenovanju in navodilih teh tretjih oseb (vendar ne katere koli tretje
    osebe, ki jo lahko uporabi tak ponudnik).; ali;
  2. za kakršnekoli izgube zaradi zamud pri poravnavi, ki jih povzročijo tretje osebe; ali
  3. za kakršne koli izgube, ki izhajajo iz katerega koli vzroka, ki je zunaj našega razumnega nadzora in
    katerega preprečitev je bila zunaj našega razumnega nadzora; ali za
  4. kakršno koli izgubo ali škodo, ki je ob sklenitvi te Pogodbe ni bilo mogoče razumno predvideti, ne glede na
    to, ali nam je bila možnost te vrste izgube ali škode naknadno sporočena ali kako
    drugače znana ali bi nam morala postati znana po datumu te pogodbe;
  5. kakršne koli izgube, ki jih razumno nismo mogli pričakovati v času, ko ste nam dali navodila; ali
  6. če tehnična infrastruktura, ki jo uporabljamo mi in/ali trgovec ne deluje pravilno, če je tak izpad
    ali motnja posledica neobičajnih in nepredvidenih okoliščin, katerih mi ali partnerska
    banka ne more predvideti;
  7. izguba ali okvara podatkov ali informacij;
  8. stroške v zvezi z izgubljenim upravljavskim, obratovalnim ali drugim časom;
  9. izgube posla, proizvodnje, dobrega imena, ugleda, pogajanj, dobička, prihodka, pričakovanih
    prihrankov ali izgube marže;
  10. za kakršno koli neposredno ali posledično izgubo ali škodo, ki lahko nastane zaradi ali v povezavi z
    našim izvajanjem, domnevnim izvajanjem ali neizvajanjem naših obveznosti po tej Pogodbi.
  11. stroške pridobitve nadomestnih izdelkov in / ali storitev,,
  12. zahtevke, ki jih zoper vas vložijo tretje osebe;
  13. kakršne koli posredne, naključne, posledične, kaznovalne ali posebne škode, ki izhajajo iz
    Pogodbe.
8. Nismo vam
  odgovorni, če ne bomo sprejeli takšnega ukrepa, ki bi po našem mnenju kršil kakršne koli
  Regulatorne zahteve ali Standarde. V kolikor pride do neskladja med Pogodbo in našimi dolžnostmi
  v skladu s katero koli Regulatorno zahtevo ali Standardom, bomo ravnali na način, za katerega
  razumno menimo, da je potreben za zagotovitev skladnosti s takšnimi Regulativnimi zahtevami ali
  Standardi. Kot posledica se ne bo štelo, da smo s tem kršili Pogodbo.
9. Trgovcu ne odgovarjamo, če mi
  ali Partnerska banka izvršimo Plačilno transakcijo v skladu z unikatno identifikacijsko oznako,
  ki jo je posredoval plačnik, vendar je bila posredovana unikatna identifikacijska oznaka
  napačna. Takšne transakcije se štejejo za pravilno izvršene s strani nas ali Partnerske banke in
  se ne štejejo za neizvršene ali nepravilno izvršene plačilne transakcije, za katere bi lahko
  bili odgovorni mi ali Partnerska banka. Vseeno pa si bomo razumno prizadevali za izterjavo
  sredstev, vključenih v plačilno transakcijo, hkrati pa se trgovec strinja, da mu lahko
  zaračunamo dejanske stroške, ki smo jih imeli pri poskusu takšne izterjave.
10. Naša odgovornost do Trgovca za
  neizvršene ali nepravilno izvršene transakcije, vračila ali neodobrene plačilne naloge je omejena:
  - na znesek zadevne plačilne transakcije, povečan za znesek, s katerim se trgovčevi plačilni računi povrnejo
    v stanje, v katerem bi bili, če se nepravilna transakcija ali Povračila ne bi izvedla,
    povečan za vsa nadomestila, za katera je odgovoren trgovec, in obresti, ki jih mora
    trgovec plačati zaradi neizvedene ali nepravilno izvedene transakcije ali Povračil; in
  - za tiste transakcije, pri katerih nas je trgovec obvestil brez nepotrebnega odlašanja, ko je izvedel za to
    neodobreno, neizvršeno ali nepravilno izvršeno transakcijo ali Povračila, v vsakem
    primeru v 13 (trinajstih) mesecih od datuma plačilne transakcije. To 13 (trinajst)
    mesečno obdobje začne teči, ko damo trgovcu na voljo podatke o transakcijah in
    povračilih v skladu s Pogoji te pogodbe in najpozneje en mesec od datuma transakcije ali povračil.
11. Poleg te določbe se lahko za določene storitve uporabljajo različne določbe o odgovornosti, kot so
  določene v Splošnih pogojih za te storitve.
  
  Trgovčeva odgovornost
12. Izvajate stopnjo skrbnosti in strokovnosti, ki se pričakuje od odgovornega poslovneža, in ste
  odgovorni za vse stroške, izdatke, zahtevke, obveznosti ali kakršno koli odgovornost in vso
  drugo škodo ali izgubo, ki izhaja iz kakršne koli vaše kršitve obveznosti iz te pogodbe in/ali
  veljavnih Regulativnih zahtev in Standardov, ter nam zagotavljate odškodnino in zaščito pred njimi.
13. Vedno ste nam odgovorni za vsa
  dejanja, opustitve, spore Imetnikov kartic in drugih težav povezanih s storitvami za Imetnike
  kartic, ki ste jih povzročili, ter nam finančno odgovarjate za vsako transakcijo, obdelano v vašem imenu, in za vsako sporno transakcijo ali dobroimetje.
14. Nobena
  določba te Pogodbe ne izključuje ali omejuje nobene dolžnosti ali odgovornosti, ki:
  1. ki jo imate do nas v skladu z zakonskimi zahtevami; ali
  2. Regulativne zahteve ne dovoljujejo izključitve ali omejitve.
    
    Globe lastnikov shem
15. Za kršitve nekaterih ključnih
  zahtev iz Pravil sheme s strani Trgovcev lahko nekateri Lastniki sheme (in zlasti kartične
  sheme) naložijo visoke globe, kot jih objavijo Kartične sheme v svojih standardih. Lastniki shem
  to zahtevajo, da bi Stranke, Trgovce in Ponudnike plačilnih metod skupaj zaščitili pred
  zlorabami, goljufijami, nezakonitimi dejavnostmi, kršitvami veljavnih zakonov, škodo ugledu in
  previsokimi stroški.
16. Če Paywiser izve in/ali prejme
  kakršno koli obvestilo o morebitni izpostavljenosti globi, povezani z ravnanjem Trgovca, bo
  Trgovec pri prvi zahtevi zagotovil razumno sodelovanje za pomoč pri preiskavi zadevnih okoliščin
  in odpravi zadevne kršitve, ne glede na vse druge pravice in pravna sredstva Paywiserja v takem
  primeru v skladu s Splošnimi pogoji Paywiserja.
17. Če se za kršitve trgovca
  uporabijo globe, jih lahko lastniki sheme in/ali Partnerska banka zaračunajo Paywiserju kot
  svoji pogodbeni stranki (v korist trgovca). Trgovec mora Paywiserju v celoti povrniti škodo in
  ga razbremeniti vseh glob, ki jih Lastniki sheme naložijo zaradi trgovčeve kršitve Pogodbe
  in/ali Pravil sheme.
ODŠKODNINESplošne določbe

Stranke se strinjajo, da bo
odškodnina pokrila kakršne koli in vse finančne obveznosti, ki bodo nastale zaradi kakršnih koli
dejanj tretje osebe (druga stranka, ki ni oškodovana stranka).
Stranka, ki je
dolžna izplačati odškodnino, bo imenovana Odgovorna stranka, stranka (njeni zaposleni in
direktorji), ki je upravičena do

odškodnine, pa bo
imenovana kot Oškodovana stranka.
Vsaka pogodbenica se zavezuje da:
1. bo uporabila razumna prizadevanja, da Oškodovano stranko čim prej in v pisni obliki
  obvestila o takšnih dejanjih tretje osebe;
2. bo uporabila razumna prizadevanja za zmanjšanje izgube ali zneska finančnih obveznosti;
3. se bo vzdržala pripoznave ali poravnave škodne obveznosti brez pisnega soglasja Odgovorne
  stranke;
4. bo na lastne stroške zagotovila razumno sodelovanje pri obrambi ali poravnavi takega zahtevka.
Če Stranko sestavlja več oseb, je
odgovornost teh osebe solidarna.

Posebne določbe
Vsaka pogodbenica bo drugi
pogodbenici povrnila škodo za katero koli finančno obveznosti, ki bi nastala zaradi kakršnih koli dejanj

tretjih oseb, ki izhajajo iz:
1. dejanske ali domnevne kršitve pravic intelektualne lastnine katere koli tretje osebe v zvezi z gradivom, ki ga je zagotovila Odgovorna stranka;
2. kakršno koli kršitev zagotovil in jamstev, ki so predvidena v Pogodbi.
Povrnili nam boste škodo in nas razbremenili odgovornosti pred vsemi finančnimi obveznostmi, ki bi jih lahko neposredno ali posredno utrpeli in so posledica:
1. vaših dejanj ali opustitev;
2. dejanj ali opustitev vseh oseb ali entitet, ki delujejo v vašem imenu;
3. kakršnih koli dejanjzoper nas s strani tretjih ponudnikov storitev in izhajajo iz vaše uporabe njihovih storitev;
4. kakršnih koli Transakcij med vami in katerim koli Imetnikom kartice;
5. kakršnegakoli Dogodka podatkovne varnosti.

OBDELAVA OSEBNIH PODATKOV

Splošne določbe

Upoštevaje naravo poslovne
dejavnosti, družba Paywiser obdeluje Osebne podatke zaradi zagotavljanja svojih storitev,
vključno z zagotavljanjem izpolnjevanja regulatornih zahtev (vključno s predpisi s področja
PPDFT, slovenskim Zakonom o varstvu osebnih podatkov in Uredbo (EU) 2016/679 Evropskega
parlamenta; GDPR) in Standardov Kartičnih shem.
Obe pogodbeni stranki sta
dolžni zaščititi vse podatke, ki jih prejmeta in delovati skladno z vso prej omenjeno
zakonodajo. V okviru zagotavljanja Storitev bo Paywiser deloval skladno z zakonodajo s področja
varstva podatkov.
Trgovec mora zagotavljati, da
so njegove pogodbene in pravne obveznosti v zvezi z varstvom podatkov izpolnjene. Trgovec mora
zagotavljati, da ste in da bo še naprej skladen z vsemi veljavnimi zakoni, ki urejajo varstvo
zasebnosti in vašo uporabo podatkov, ki nam jih posreduje ali dostopa z uporabo storitev, in nam
na našo zahtevo zagotovi dokaze o njegovi skladnosti. V kolikor ne dostavite ustreznih dokazil,
lahko prekinemo Pogodbo z vami.
Prav tako se Trgovec strinja,
da je pridobil vse potrebne pravice in soglasja v skladu z veljavno zakonodajo, da lahko družbi
Paywiser razkrije ali dovoli, da zbira, uporablja, obdrži in razkrije, katerekoli osebne
podatke, ki nam jih Trgovec posreduje ali nam dovoli zbiranje, vključno s podatki, ki jih lahko
zbiramo neposredno od strank z uporabo piškotkov ali drugih podobnih sredstev in bo Trgovec na
našo zahtevo zagotovili dokaze o njegovi skladnosti z nami. V kolikor Trgovec ne dostavi
ustreznih dokazil, lahko prekinemo poslovno razmerje z njim.

11.5 Za opredelitev obveznosti
pogodbenih strank glede varstva podatkov, ki izhajajo iz Pogodbe, pogodbeni stranki ugotavljata,
da se v zvezi z Osebnimi podatki, ki se hranijo in obdelujejo v skladu s tem sporazumom za
upravljavca podatkov šteje Trgovec, Paywiser pa v zvezi z Osebnimi podatki, ki se obdelujejo v
vašem imenu v skladu s to Pogodbo, velja za obdelovalca podatkov. Paywiser pa je upravljavec
Osebnih podatkov, kadar Paywiser določi namene in način obdelave (vključno, na primer, pri
izpolnjevanju vseh zakonov ali predpisov, ki nam jih nalagajo Standardi Kartičnih shem ali
ponudniki plačilnih načinov ali pridobitelji plačilnih metod).
1. 1. Pogodbeni stranki
    sta v skladu z zakonodajo o varstvu Osebnih podatkov dolžni skleniti Pogodbo o
    obdelavi podatkov (DPA), ki zajema obdelavo Osebnih podatkov v zvezi s Storitvami po
    tej Pogodbi, kadar Paywiser obdeluje osebne podatke kot obdelovalec. DPA je priloga
    in sestavni del te Pogodbe (“Pogodba o obdelavi osebnih podatkov”-
    Dodatek). V primeru, da Trgovec ne sklene DPA pogodbe, naše sodelovanje, kot ga
    določajo ti Splošni pogoji, ne bo mogoče.
  2. Trgovec je sam odgovoren, da svoje kupce, s katerimi ima poslovno razmerje, seznani:
    1. da Paywiser obdeluje plačilne transakcije za Trgovca in lahko od le-tega
      prejme osebne podatke;
    2. Paywiser obdeluje osebne podatke strank v okviru izvajanja svojih Storitev;
    3. da ima Paywiser licenco Banke Slovenije kot družba za izdajo elektronskega denarja
      in lahko v okviru zagotavljanja svojih Storitev najame tudi storitve oz.
      produkte drugih izvajalcev in partnerjev, katerim lahko prenese tudi osebne
      podatke kupcev, v skladu z GDPR in drugo relevantno zakonodajo;
    4. da lahko Paywiser, kadar to zahteva zakon ali Standardi Kartičnih shem ali na podlagi
      zahteve posameznika, izbriše ali onemogoči dostop do Osebnih podatkov kupcev iz Računa Nadzorne Plošče;
    5. da se plačilni podatki o kupcih lahko prenesejo, obdelujejo in shranijo zunaj
      Slovenije in Evropsko gospodarsko območje (EEA) in so lahko predmet
      razkritij, kot to zahteva veljavna zakonodaja. Trgovec je odgovoren, da od
      svojih kupcev pridobi potrebna soglasja za omenjeno;
    6. z morebitno kršitvijo podatkov, ki je posledica nepooblaščenega
      pridobivanja, razkritja ali izgube Osebnih podatkov kupcev,
      
      ter morebitnih varnostnih ukrepov za ublažitev negativnega vpliva na kupca;
    7. o pravicah posameznikov, na katere se nanašajo Osebni podatki, kot so opisane v členih
      12 do 22 GDPR, kot so prejemanje informacij o obdelavi njihovih Osebnih
      podatkov, zahteva za dostop, popravek, brisanje ali prenosljivost njihovih
      Osebnih podatkov ter ugovor obdelave, vključno z ugovorom na obdelavo za
      namene neposrednega trženja, ki vključuje profiliranje v obsegu, v katerem
      je povezan s takšnim neposrednim trženjem.
  3. Trgovec se zavezuje zaščititi vse podatke, ki jih prejme na podlagi Storitve, ki so predmet te
    Pogodbe. Teh podatkov ne sme razkriti ali distribuirati, uporabljal pa jih bo le v
    povezavi s Storitvami, ki so predmet te Pogodbe, in kot to dovoljuje ta Pogodba ali
    drugi dogovori med vami in nami. Nobena pogodbena stranka ne sme uporabiti Osebnih
    podatkov za namen trženja stranki, razen če je za to prejela izrecno soglasje te
    Stranke. Plačilnih podatkov ne smete razkriti drugim, razen v zvezi z obdelavo
    transakcij, ki jih zahtevajo stranke, in v skladu z veljavnimi zakoni in Standardi
    Kartičnih shem.
  4. Paywiser bo z namenom varstva Osebnih podatkov pred nepooblaščenim dostopom, nenamerno izgubo,
    spremembo ali kršitvijo zagotavljal poslovno razumne organizacijske in tehnične
    ukrepe za zaščito uporabniških in Osebnih podatkov, shranjenih v naših strežnikih,
    pri obravnavi uporabniških in Osebnih podatkov pa bomo ravnali v skladu z veljavnimi
    zakoni in Standardi. Vendar pa noben varnostni sistem ni popolnoma varen, zato ne
    moremo zagotoviti, da nepooblaščene osebe nikoli ne bodo sposobne premagati naših
    varnostnih ukrepov ali zlorabiti podatkov, ki jih imamo. Paywiserju posredujete
    uporabniške in osebne podatke z razumevanjem, da varnostni ukrepi, ki jih izvajamo,
    morda niso primerni ali ustrezni za vaše podjetje, in se strinjate z izvajanjem
    ustreznih varnostnih kontrol.
  5. Za obravnavo
    zahtev posameznika, na katerega se nanašajo Osebni podatki smo imenovali
    pooblaščenca za varstvo podatkov (DPO). Slednji je dosegljiv na [email protected]
  6. Naše dejavnosti
    obdelave Osebnih podatkov (v skladu s členom 12 GDPR) smo opisali v Politiki
    zasebnosti, ki je objavljena na www.paywiser.com.

SPORAZUMEVANJE
Jezik

Pogodba je pripravljena je v slovenskem jeziku in vsa komunikacija med vami in nami bo v slovenskem jeziku, razen če se obe pogodbenici drugače dogovorita.
Če vam zaradi praktičnosti
priskrbimo prevod Pogodbe ali kakršno koli drugo komunikacijo, bo slovenska različica edina
pravno zavezujoča različica in bo prevladala, če obstaja morebitno neskladje.

Sporazumevanje z vami
Strinjate se in soglašate, da boste elektronsko prejemali vsa sporočila, dogovore, dokumente, obvestila in razkritja (skupaj “komunikacije”), ki jih zagotavljamo v povezavi z vašo uporabo naših storitev.
Te komunikacije
vam bomo posredovali:
1. z objavo na naši spletni strani, če so namenjene vsem našim strankam; ali
2. tako, da vam jih pošljemo na e-poštni naslov, ki ste ga navedli v Osnovnem vprašalniku za trgovce, če so namenjene samo vam.
Če prekličete svoje soglasje za
prejem komunikacij v elektronski obliki, lahko odpovemo vašo Pogodbo ali vam zaračunamo dodatne
provizije za papirne kopije.
Če po podanem soglasju k prejemu
Komunikacij po elektronski poti, želite kopijo sporočila, ki smo vam ga predhodno poslali, v
papirni obliki, lahko zahtevate kopijo v 180 dneh od datuma, ko smo vam sporočilo posredovali,
tako da nas kontaktirate, kot je opisano zgoraj.
Pogodbo in splošne informacije o
pogodbi lahko po elektronski pošti kadarkoli zahtevate v papirni obliki ali na drugem
trajnostnem nosilcu podatkov.
Papirnate
kopije vam bomo poslali po pošti. Da vam lahko pošljemo papirnate kopije, morate imeti veljavni
poštni naslov.

Kontaktni podatki
Naslov, na katerega bomo
poslali vsako elektronsko korespondenco, je e-poštni naslov osebe, ki ste jo v Osnovnem
vprašalniku za trgovca določili za kontaktno osebo. Za vsako korespondenco, ki jo je treba
predložiti na papirju, bo uporabljen vaš poslovni naslov kot naslov za prejem pošte. Kadar koli
lahko posodobite svoj e-poštni naslov ali naslov za sprejem pošte tako, da obvestite skrbnika
vašega računa.
Vaša
odgovornost je, da e-poštni naslov in naslov za prejem pošte ustrezno posodabljate, da bomo
lahko nemoteno komunicirali z

vami.
Razumete in se strinjate, da
če vam pošljemo elektronske komunikacije, vendar jih ne prejmete, ker je vaš e-poštni naslov
napačen, zastarel, blokiran s strani zunanjega ponudnika storitev ali če ne morete drugače
prejemati elektronske komunikacije, se bo štelo, da smo vam elektronsko komunikacijo dostavili.
Če uporabljate filter za
neželeno pošto, ki blokira ali preusmerja e-poštna sporočila od pošiljateljev, ki niso navedeni
v vašem e-poštnem imeniku, nas morate dodati v svoj e-poštni imenik, da boste lahko prejemali
sporočila, ki vam jih pošljemo.

Tehnične zahteve
Za dostop in ohranitev elektronskih komunikacij boste potrebovali:
1. računalnik z internetno povezavo;
2. dovolj prostora za shranjevanje preteklih sporočil ali nameščen tiskalnik za njihovo tiskanje;
3. veljavni e-poštni naslov (vaš e-poštni naslov);
4. aktualni spletni brskalnik z omogočenimi piškotki
  
  Sporazumevanje z nami
Sporočila, poslana v zvezi z Pogodbo, morajo biti poslana:
1. prek e-pošte [email protected] ali na e-poštni naslov skrbnika vašega računa;
2. po pošti na Bravničarjeva ulica 13, 1000 Ljubljana – v vseh primerih, ko so potrebne kopije dokumentov.
Uporabite lahko tudi naš
kontaktni obrazec na https://paywiser.com/contacts/

IZJAVE IN JAMSTVA
Skupne izjave in jamstva
1. Vsaka pogodbenica izjavlja in jamči drugi pogodbenici, da:
  1. je pravilno organizirana, veljavno obstoječa in v dobrem stanju po zakonih države, v kateri je ustanovljena;
  2. ima in
    bo ohranila vse zahtevane pravice, odobritve in pooblastila za sklenitev Pogodbe in
    izpolnjevanje svojih obveznosti;
  3. Kolikor ji je po najboljšem vedenju znano, ni nobenih pravnih ukrepov ali regulatornih preiskav, ki
    čakajo ali grozijo pogodbenici in bi lahko vplivale na njeno sposobnost, da izpolnjuje
    svoje obveznosti iz Pogodbe;
  4. bo svoje obveznosti opravljal z razumnim znanjem in skrbnostjo;
  5. ima in bo vzdrževal
    ustrezne zmogljivosti za izpolnjevanje svojih obveznosti v skladu z veljavnimi
    Regulatornimi zahtevami, Standardi in Pogodbo, vključno z obveznostmi glede varstva
    podatkov in zaupnosti;
  6. ima v lasti ali ima pravico uporabljati in pod licencirati intelektualno lastnino, ki jo uporablja ali
    licencira za uporabo drugi stranki.
    
    Naše izjave in jamstva
2. Razen če je s
  pogodbo posebej določeno, ne dajemo nobenih drugih jamstev, garancij ali zavez, izrecnih ali
  implicitnih v zvezi z izvajanjem storitev, in nič, vsebovanega v pogodbi ne predstavlja takšnih
  garancij.
3. Izrecno se strinjate in
  potrjujete, da se vsi drugi pogoji, zahteve, zaveze in garancije, izrecne ali implicitne, ali
  zakonske določbe v zvezi s storitvami (vključno s kakovostjo, uspešnostjo, primernostjo ali
  primernostjo za določen namen) izvajajo v najširšem dovoljenem obsegu, ki ga dovoljujejo
  regulatorne zahteve.
4. Ne dajemo in ne zagotavljano
  ter se izrecno odpovedujemo vsakršnim jamstvom, izjavam o prodajnih pogojih, kakovosti ali
  primernosti za katere koli izdelke, obdelave, storitve, specifikacije, programsko opremo,
  strojno ali vdelano programsko opremo, ki smo jih ustvarili ali priskrbeli mi, ali na katere se
  sklicuje Pogodba.
  
  Vaše izjave in jamstva
5. Izjavljate in
  jamčite da boste:
  1. ohranjali svojo pravno
    osebo dejavno in plačilno sposobno ves čas veljavnosti Pogodbe in najmanj 6 (šest)
    mesecev po njenem prenehanju;
  2. imeli na razpolago vsa
    potrebna dovoljenja in pooblastila za sodelovanje v oglaševanju in vodenju vašega
    podjetja;
  3. imeli
    in zagotavljali vsaj 1 (enega) direktorja;
  4. imeli
    in zagotavljali vsaj 1 (enega) direktorja, ki ima stalno prebivališče v kraju
    ustanovitve družbe in poslovnega naslova;
  5. poslovali v skladu z
    veljavnimi regulatornimi zahtevami in standardi, vključno z:
    1. uporabo Storitev za obdelavo tistih transakcij, ki so zakonite, veljavne, pristne (ne goljufive) in jih vaše stranke ustrezno odobrijo;
    2. uporabo Storitev za prejemanje plačil za izdelke in / ali storitve, ki jih ponujate vi in ne tretje osebe;
    3. uporabo Storitev za prejemanje zgolj končne prodajne cene izdelkov in / ali storitev, ki jih ponujate, in ne boste od svojih kupcev pobirali nobenih glob, kazni, odškodnin, nerazkritih provizij, stroškov itd.;
    4. ne boste uporabljali Storitev tako, da bi svojim strankam zagotavljali gotovino, potniške čeke, denarna nadomestila ali druge instrumente;
    5. se ne boste ukvarjali s prodajo ali izmenjavo podatkov (podatki računa, transakcijski podatki, Osebni podatki).
6. Izjavljate in jamčite da:
  1. zaradi izpolnjevanja zavez Pogodbe, ne boste kršili drugih izvršljivih dogovorov, katerih pogodbenica ste;
  2. so vse informacije, predložene v zvezi s Pogodbo so resnične, točne in popolne.
SPREMEMBE
1. Odgovorni ste za spremljanje obvestil in novic na našem spletnem mestu.
2. Trgovec se zavezuje, da nas bo nemudoma, vendar najpozneje v 3 (treh) delovnih dneh, pisno obvestil o vseh spremembah
  informacij, navedenih v tej pogodbi, njenih prilogah, dokumentih, ki nam jih je predložil (npr,
  spremembe osebnih ali kontaktnih podatkov, stalnega bivališča ali davčnega rezidentstva, izguba
  ali kraja ali drug razlog za spremembo osebnega dokumenta, spremembe statusa skladnosti s PCI
  DSS, opravite asignacijo v korist upnikov, zaprosite za stečajno ali podobno zaščito …) ali
  vseh drugih podatkov, ki nam jih je Trgovec posredoval pred sklenitvijo te Pogodbe in tudi med
  veljavnostjo te Pogodbe. Ta obveznost obveščanja velja tudi, če so bile zgoraj navedene
  spremembe javno objavljene (npr. vpisane v javni register ali objavljene v sredstvih javnega
  obveščanja). Če ne izpolnite obveznosti obveščanja, smo upravičeni domnevati pravilnost
  podatkov, s katerimi razpolagamo, razen če je v državi trgovčevega stalnega prebivališča
  določeno drugače.
3. Pogoje in druge obvezne priloge k
  Pogodbi lahko kadar koli posodobimo ali dopolnimo iz katerega koli razloga. O morebitnih
  spremembah vam bomo sporočili preko e-pošte, ki bo poslana na vaš e-poštni naslov v razumnem času.
4. O vseh predlaganih spremembah
  obstoječih Pogojev Pogodbe vam bomo sporočili najpozneje 2 (dva) meseca pred njihovo uveljavitvijo.
5. Spremembe Pogodbe, ki ne
  zahtevajo predhodnega obvestila in začnejo veljati takoj, če je tako navedeno v našem obvestilu o
  
  spremembi, so:
  1. spremembe, s katerimi bo Pogodba za vas ugodnejša ali take, ki ne vplivajo na vaše pravice;
  2. spremembe, ki so potrebne za izpolnjevanje regulatornih zahtev ali standardov;
  3. spremembe glede naših stroškov;
  4. spremembe valutnih tečajev
  5. spremembe obrestne mere, kot so opredeljene v točki 8.7., ki temeljijo na spremembi osnovne obrestne mere za posojila v Sloveniji.
6. Pogodbo lahko spremenimo, da bo vam ugodnejša z nadgradnjo ali izboljšanjem storitev, ki vam jih ponujamo, če se vam pri tem ne bodo povečali stroški.
7. Prav tako lahko spremenimo katerega koli od drugih pogojev Pogodbe, če sprememba ne bo vplivala na vaše pravice, iz katerega koli od naslednjih razlogov:
  1. kadar upravičeno menimo, da: (i) bi sprememba poenostavila pogoje, da jih boste lažje razumeli ali da bodo za vas bolj pravični; ali (ii) sprememba ne bi bila v vašo škodo;
  2. se zajame: (i) izboljšanje katere koli storitve ali naprave, ki jo zagotavljamo; (ii) uvedba nove
    storitve ali naprave; (iii) zamenjava obstoječe storitve ali naprave z novo; ali (iv)
    preklic storitve ali umik naprave, ki je zastarala ali pa je niste nikoli uporabili;
  3. da se nam omogoči sprejemanje razumnih sprememb v načinu zagotavljanja storitev zaradi
    sprememb v: (i) bančnem, naložbenem ali finančnem sistemu; (ii) tehnologiji; ali (iii) sistemih, ki jih uporabljamo za poslovanje; ali
8. Stroške lahko spremenimo ali uvedemo nove:
  1. če zagotovimo novo storitev ali napravo v povezavi z našimi Storitvami;
  2. če pride do spremembe (ali upravičeno pričakujemo, da bo prišlo do spremembe): (i) stroškov, ki jih bomo imeli pri izvajanju dejavnosti, za katero se zaračunava ali bo
    zaračunana; (ii) provizij, pristojbin, ocen in podobno pri Kartičnih shemah ali (iii) Regulatornih sprememb;
  3. zaradi drugih veljavnih razlogov, ki niso navedeni v tej določbi.
9. Vsaka sprememba ali nov strošek bo pravično odmerjen glede na vpliv na stroške, ki nastanejo z zagotavljanjem storitev. Menjalni tečaj, ki se uporablja za pretvorbo plačil v tuji valuti, bo:
  1. fiksni tečaj za katerega smo se dogovorili; ali
  2. (če ni dogovorjen fiksni tečaj) menjalni tečaj, o katerem smo vas obvestili.
10. Nobena določba Pogodbe se ne šteje za opuščeno, spremenjeno ali dopolnjeno razen če:
  1. pogodba določa drugače; ali
  2. se pisno dogovorimo drugače.
11. Posodobljena različica teh Splošnih pogojev vam bo na zahtevo vedno na voljo.
12. Pogodba o storitvah s trgovcem ne učinkuje in je ni mogoče v nobenem smislu spremeniti brez našega izrecnega pisnega soglasja.
13. Če se Trgovec ne strinja s spremembami Splošnih pogojev in/ali prilog, lahko odstopi od Pogodbe brez odpovednega roka in
  brez plačila nadomestila. Trgovec mora odstop od Pogodbe izvesti najpozneje dan pred datumom, ko
  spremembe začnejo veljati. Če Trgovec v tem roku Paywiserja ne obvesti, da se s spremembami ne
  strinja, se šteje, da je spremembe sprejel. Če Trgovec zavrne predlagane spremembe in ne odpove
  Pogodbe, se šteje, da je Pogodba odpovedana z iztekom zadnjega dne pred začetkom veljavnosti
  sprememb.
TRAJANJE, SUSPENZ IN ODPOVED
Trajanje
1. Pogodba začne veljati z dnem,
  ko jo odobrijo ustrezno pooblaščeni predstavniki obeh strank v programu AdobeSign (v nadaljnjem
  besedilu “Začetek veljavnosti”), razen, če ni drugače dogovorjeno. Po sklenitvi
  stranki po elektronski pošti prejmeta vzajemno potrjeno Pogodbo. Za odobritev pogodbe v programu
  AdobeSign, Trgovec dobi Navodila za uporabo programa AdobeSign.
2. Pogodba začne veljati z dnevom Začetka veljavnosti in bo veljala, dokler ga nobena od pogodbenic ne
  odpove skladno z določili v teh Splošnih pogojih.
3. Obe pogodbeni stranki potrjujeta,
  da sta pridobili vsa potrebna dovoljenja, ki ji omogočajo podpis in sklenitev te Pogodbe, in da
  je ne zavezujejo nobeni predhodni sporazumi, ki bi prepovedovali sklenitev te Pogodbe.
4. Pogodbo lahko kadar koli odpoveste z 1 (eno) mesečnim odpovednim rokom, ki ga podate pisno.
5. Pogodbo z vami lahko enostransko odpovemo z 2 (dvo) mesečnim odpovednim rokom, ki ga podate pisno.
6. Pogodbo z vami lahko enostransko odpovemo takoj in brez odpovednega roka, če upravičeno verjamemo, da:
  1. ne upoštevate regulatornih zahtev, veljavnih zakonov, tehničnih zahtev, Pravil mednarodnih plačilnih sistemov in Standardov, vključno z njihovimi spremembami, ter tudi s tem, da kršite ali
    poskušate kršiti ali upravičeno domnevamo, da ste kršili katere koli določbe iz Standardov v zvezi z:
    1. pragovi zlorab;
    2. pragovi povračil;
    3. odlaganjem nezakonitih ali prepovedanih transakcij;
    4. sodelovanjem v goljufivih aktivnostih ali drugih prepovedanih dejavnostih, kot je pranje denarja in financiranja terorizma;
    5. sodelovanjem v kakršnih koli drugih dejavnostih, ki lahko povzročijo neupravičene gospodarske težave ali škodo na
      
      dobrem imenu plačilnih sistemov; nam ne predložite Akcijskega načrta, kot je opisano v točki 7.45. in 7.47.;
    6. ne zagotovite skladnosti z PCI DSS.
  2. ste kršili kakršne koli pogoje Pogodbe;
  3. na vas vplivajo kakršne koli spremembe: (ii) poslovnega modela; (iii) izdelkov in/ali storitev, ki jih
    ponujate; (iv) vašega plačilnega računa, vključno, ko ne bo več sprejemljiv za finančne
    institucije, s katerimi sodelujemo; (v) regulatornih zahtev ali standardov, ki veljajo
    za vas, med drugim vključno s spremembami ali preklicem licenc, potrebnih za vaše
    poslovanje; (vi) vaš kreditni in/ali finančni položaj, vključno z vašo insolventnostjo,
    likvidacijo, prenehanjem, stečajem, administracijo, prisilno poravnavo ali
    razpustitvijo, ali kadar upravičeno menimo, da v zvezi z vami grozi enako; (vii) kadar
    se zgodi kar koli, kar po našem mnenju kaže, da ne boste mogli zagotavljati svojih
    izdelkov in/ali storitev in/ali drugače izpolnjevati stikov, ki jih imate s svojimi
    strankami ali jih imate z nami, na primer znatno zmanjšanje obsega ali prenehanje
    obdelave;
  4. Da se obnašate na način, zaradi katerega ni primerno, da vam zagotavljamo storitve;
  5. naleteli na spremembo vašega profila tveganja v skladu s standardi ali so vaša dejanja na kakršen koli drug način neskladna z našo politiko tveganja in notranjimi pravili;
  6. ne upošteva naše zahteve po povečanju zneska Rezervacije sredstev v roku, ki ga razumno določimo;
  7. Ne boste izvedli plačil v skladu z običajnim potekom poslovanja zaradi vašega kreditnega in/ali finančnega stanja ali drugih dogodkov, povezanih z vašim finančnim stanjem, ki bi jih obravnavali kot grožnjo za
    neplačevanje, tveganja skladnosti itd;
  8. se znatno poslabša finančni položaj trgovca ali vrednosti katerega koli zavarovanja, ki ga
    je zagotovil Trgovec, ali nevarnost takšnega poslabšanja, ki postavlja pod vprašaj zmožnost Trgovca, da izpolni svoje obveznosti po tej Pogodbi;
  9. če v razumnem roku, ki ga določimo, ne odpravite neskladnosti s to Pogodbo in/ali katero koli pogodbo o pridobivanju trgovca in/ali katero koli tripartitno pogodbo;
  10. iz varnostnih razlogov – kadar menimo, da je potrebno ali zaželeno zaščititi varnost podatkov o računih,
    podatkov o transakcijah, osebnih podatkov ali vašega računa na Nadzorni plošči, med
    drugim kadar sumimo, da je prišlo do sistemske izgube, kraje, odtujitve ali
    nepooblaščene uporabe vratnih kod PIN;
  11. če ugotovimo, da se Trgovec ukvarja s katero koli dejavnostjo s seznama prepovedanih in tveganih dejavnosti:
    (i) neuradna dobrodelnost, (ii) rudarjenje kriptovalut, (iii) politične organizacije,
    (iv) pornografija, (v) zdravila na recept, (vi) verske organizacije, (vii) replike,
    (viii) trgovina z orožjem in obramba, (ix) MLM (privabljanje novih članov);
  12. smo sicer upravičeni do tega v skladu s to pogodbo.
7. Pogodbo z vami lahko enostransko odpovemo takoj in brez odpovednega roka, če to od nas zahtevajo spremembe Regulatornih zahtev,
  
  naša Partnerska banka ali navodila pristojnega regulatornega organa.
8. Po začasni prekinitvi lahko po lastni presoji odločimo, kdaj in ali sploh bomo nadaljevali s Storitvami, pri čemer upoštevamo razpoložljive informacije in priporočila.
  
  Odpoved na zahtevo Kartičnih shem
9. Na zahtevo Kartičnih shem lahko takoj in brez odpovednega roka odpovemo pogodbo z vami zaradi dejavnosti, ki jih izvajate in lahko povzročijo neupravičene gospodarske težave ali škodo dobremu imenu plačilnih sistemov.
  
  Posledice prenehanja
10. Ob prenehanju Pogodbe boste:
  1. prenehali uporabljati naše storitve;
  2. prenehali uporabljati sisteme Kartičnih shem;
  3. prenehali uporabljati ali prikazovati svojo znamko in oznake Kartičnih shem;
  4. še naprej odgovarjali za kakršne koli finančne ali druge obveznosti, ki so nastale zaradi vaših dejanj ali opustitev pred prenehanjem Pogodbe;
  5. takoj plačali morebitne obstoječe neporavnane in neplačane račune za naše storitve, ne glede na to, ali je bil račun predložen pred ali po prenehanju pogodbe;
  6. neupravičeni do povračila vseh predhodno nam plačanih provizij in/ali sprememb, razen za provizije in stroške, plačane pred prekinitvijo sporazuma za storitve, ki še niso bile izvedene (provizije bodo povrnjene/obračunane sorazmerno).;
  7. še naprej izpolnjevali vse določbe o zaupnosti, kot je določeno v Pogodbi.
11. V primeru prenehanja zaradi stečaja, insolventnosti ali druge prekinitve poslovanja se obvezujete, da ne boste prodali,
  prenašali ali razkrivali nobenega gradiva, ki vsebuje Občutljive plačilne podatke drugim
  subjektom. Te podatke nam morate vrniti ali predložiti sprejemljiv dokaz o varnem uničenju teh podatkov takoj po odpovedi.
12. Odpoved te Pogodbe privede do odpovedi Pogodbe o kartičnem plačilnem prometu. Če se Pogodba odpove pred iztekom roka veljavnosti Pogodbe o plačilnem prometu s kartico, se upoštevajo posledice, ki izhajajo iz odpovedi, vključno z vašo odgovornostjo za plačilo vseh provizij, določenih v njej.
13. Če bomo Pogodbo odpovedali mi, lahko o odpovedi in razlogih za takšno odpoved obvestimo Kartične sheme in/ali kreditne agencije.
14. Če bomo pogodbo odpovedali mi ali bo odpovedana na zahtevo Kartičnih shem, boste morda navedeni na storitev Visa Merchant
  Allert Service (VMAS) in/ali MasterCard Member Alert to Control High-risk Merchants (MATCH).
15. Po prenehanju Pogodbe bosta pogodbenici vrnili ali uničili (po izbiri ali zahtevi pogodbenice, ki bo razkrivala) vse zaupne podatke, ki pripadajo drugi pogodbenici in jih ima prva pogodbenica v posesti ali nadzoru.
16. Prenehanje Pogodbe ne vpliva niti na pridobljene pravice, pravna sredstva in obveznosti ali odgovornosti pogodbenic, ki obstajajo ob odpovedi, niti ne bo vplivalo na nadaljevanje veljavnosti katere koli določbe Pogodbe, ki je izrecno ali na podlagi implikacije namenjena nadaljevanju veljavnosti po prenehanju Pogodbe.
17. Kadar se provizije za storitve pobirajo redno, se takšne provizije razdelijo do trenutka prenehanja veljavnosti Pogodbe, vnaprej plačane provizije pa bodo sorazmerno povrnjene.
18. Po prenehanju bomo do 180 dni zadrževali do 100% preostalega pozitivnega neto stanja. To obdobje se lahko podaljša na 18 (osemnajst) mesecev (540 dni) od datuma zadnje transakcije. Če je zagotovljeno jamstvo, lahko sprostimo preostalo zadržano pozitivno neto stanje pred iztekom tega obdobja.
  
  Zamrznitev računa
19. Če upravičeno menimo, da so transakcije ali povezane dejavnosti goljufive ali vključujejo druge kriminalne dejavnosti, lahko
  do ustreznega zaključka naše preiskave in/ali preiskave katere koli druge finančne institucije,
  regulatornega organa ali Kartične sheme odložimo plačilo katerega koli zneska, ki vam pripada.
REŠEVANJE SPOROV
1. Te Pogoje, Pogodbo in vsa druga razmerja med pogodbenicama urejajo zakoni Slovenije. Morebitne spore ali pritožbe v zvezi z
  zagotavljanjem storitev v skladu s temi Splošnimi pogoji bosta trgovec in Paywiser reševala
  sporazumno v skladu z vsakokrat veljavnim Pravilnikom o notranjem pritožbenem postopku in
  izvensodnem reševanju sporov, ki si jih lahko Trgovec ogleda na spletni strani bank https://paywiser.com/.
2. Trgovec lahko pritožbo v zvezi s Storitvijo Paywiserja pošlje po elektronski pošti na [email protected] ali po pošti na naslov PAYWISER d.o.o., OE Reklamacije,
  Bravničarjeva ulica 13, 1000 Ljubljana, Slovenija, in sicer v skladu z veljavnim Pravilnikom o notranjem pritožbenem postopku in izvensodnem reševanju sporov.
3. Paywiser mora na pritožbo Trgovca odgovoriti: v prvem primeru v 8 dneh, v drugem primeru pa v 15 dneh.
4. Paywiser pošlje odločitev o pritožbi trgovcu v pisni obliki na elektronski naslov ali po pošti na naslov,
  s katerega je bila pritožba poslana.
5. Če niste zadovoljni z načinom obravnave vaše pritožbe ali menite, da vaši pomisleki niso bili v celoti obravnavani, imate
  pravico zadevo predložiti zunanjemu organu za reševanje sporov ali alternativnemu postopku
  reševanja sporov ADR, kot je opisano v Pravilniku o notranjem pritožbenem postopku in
  izvensodnem reševanju sporov.
6. Trgovec lahko prav tako pri Banki Slovenije vloži prijavo zaradi domnevnih kršitev Zakona o plačilnih storitvah, storitvah
  izdajanja elektronskega denarja in plačilnih sistemih (ZPlaSSIED).
7. Če trgovec in Paywiser ne uspeta rešiti sporov, ki nastanejo na podlagi teh Pogojev, je pristojno sodišče v kraju, kjer
  ima Paywiser svoj registrirani sedež. Ne glede na zgoraj navedeno lahko Paywiser po lastni
  izbiri sproži tudi ustrezen sodni postopek pred katerim koli drugim krajevno pristojnim sodiščem.
RAZNO Zaupne informacije
1. Med
  izpolnjevanjem svojih obveznosti iz Pogodbe, stranki lahko dostopata do informacij ali gradiv,
  ki so lahko komercialno dragocena in niso splošno znana, in bi lahko, če bi bile zlorabljene ali
  razkrite, bistveno vplivale na poslovanje katere koli pogodbenice ( “Zaupne
  informacije”). Zaupne informacije vključujejo vse informacije v zvezi s trgovcem ali
  Paywiserjem in vse druge informacije, ki niso izrecno označene kot zaupne, vendar bi jih bilo
  treba zaradi njihove narave ali vsebine upravičeno šteti za zaupne. Vsaka stranka se zavezuje,
  da bo sprejela vse potrebne ukrepe za zaščito zaupne narave vseh zaupnih informacij druge
  stranke, pri čemer se zlasti strinja, da:
  1. deliti zaupne informacije izključno z osebjem in predstavniki strank, ki potrebujejo dostop do teh informacij za uveljavljanje pravic in obveznosti v skladu s Pogodbo; in
  2. da brez predhodnega pisnega soglasja druge stranke ne sme dati na voljo nobenih zaupnih informacij nobeni tretji osebi, razen Paywiserju, če je to potrebno za izvajanje Storitev.
2. Pogodbenici se strinjata, da bosta od svojih direktorjev, zaposlenih in drugih predstavnikov zahtevala, da v strogi zaupnosti
  hranijo vse Zaupne informacije, ki jih dobimo drug od drugega in/ali od naših direktorjev,
  zaposlenih in zastopnikov, in tega ne bodo uporabljali, razkrivali ali dovolili tretjim osebam
  dostopa do teh Zaupnih informacij za kateri koli drug namen, ki ni izpolnjevanje pogodbenih obveznosti.
3. Vsaka pogodbenica obravnava zaupne informacije kot strogo zaupne in nobena pogodbenica ne sme razkriti zaupnih informacij
  brez pisnega soglasja druge pogodbenice, razen v primerih, ki jih dovoljuje ta Pogodba ali o
  katerih se pogodbenici občasno dogovorita.
4. Trgovec izrecno in nepreklicno pooblašča Paywiserja, da za namen izvajanja pogodbe ali izterjave terjatev, ki izhajajo iz
  pogodbe, pri pristojnih osebah opravi poizvedbe o trgovčevem sedežu, premoženju in vseh drugih
  podatkih, ki so potrebni za izvajanje pogodbe in morebitno izterjavo dolga.
5. Ne glede na morebitne drugačne določbe v Pogodbi, nobena pogodbena stranka nima kakršnekoli dolžnosti v zvezi z ne-razkrivanjem
  oz. varovanjem Zaupnih podatkov ki:
  1. so bile v posesti že pred razkritjem, ali pa so ji bile znane pred razkritjem in ni imela obveznosti, da jih
    je hrani kot zaupne, so bile javno dostopne v času razkritja ali so postale javno
    dostopne po razkritju po drugi poti in ne skozi kršitev Pogodbe ali drugega nedopustnega ravnanja;
  2. je ob razkritju javno dostopen ali postane javno dostopen po razkritju, ki ni posledica kršitve Pogodbe ali drugega nezakonitega dejanja;
  3. jih katerakoli pogodbenica razkrije z medsebojnim pisnim soglasjem;;
  4. jih tretja oseba, ki ne krši svoje zaveze o zaupnosti, razkrije katerikoli pogodbenici;
  5. jih katerakoli pogodbenica odkrije neodvisno in brez kršitve Pogodbe; ali
  6. morajo biti razkrite v skladu z Regulatornimi zahtevami; poleg tega lahko razkrijemo zaupne podatke, kadar to
    zahtevajo organi pregona ali regulatornimi organi ali standardi;
  7. za razkritje podatkov o transakcijah ter informacij o povračilih in finančnih reklamacij podatkovnemu centru in/ali Mednarodnim plačilnim sistemom;
  8. če je razkritje namenjeno strokovnim svetovalcem, ki so v zvezi s temi zaupnimi informacijami zavezani k zaupnosti.
6. Paywiser in Partnerska banka lahko zaupne podatke o Trgovcu razkrijeta Mednarodnemu plačilnemu sistemu v skladu s Pravili mednarodnih plačilnih sistemov.
7. Podatke bomo posredovali
  kateremu koli subjektu, ki ste ga pooblastili, da z nami deli informacije o računu, če je ob
  vaši zahtevi naveden kot ustrezno pooblaščeni subjekt. Pri tem se bomo zanašali na vaša navodila
  tretji osebi za dostop do naših informacij o računu kot dokaz vašega soglasja za izmenjavo
  podatkov.
8. To poglavje o “Zaupnih
  informacijah” bo veljalo tudi po prenehanju Pogodbe iz kakršnegakoli razloga in bo veljalo
  tako dolgo, dokler bo katera koli stranka imela v posesti zaupne informacije.
  
  Javne objave
9. V času veljavnosti te Pogodbe
  lahko objavite javne objave o nas kot ponudniku storitev, mi pa vas lahko javno objavimo kot
  našega Trgovca. Po prenehanju veljavnosti te Pogodbe boste vi in Paywiser odstranili vse javne
  navedbe te Pogodbe s svojih spletnih strani.
  
  Intelektualna lastnina
10. Paywiser je izključno lastnik
  vseh pravic intelektualne lastnine, ki so vsebovane ali povezane z našimi storitvami ali kakršno
  koli dokumentacijo, ki vam jo posredujemo, vključno, vendar ne omejeno na vse lastninske
  pravice, deleže v patentih, avtorskih pravicah, blagovnih ali storitvenih znamkah, logotipih in
  modelih, moralnih pravicah, poslovnih skrivnostih, pravicah javnosti in drugih (skupaj
  “Paywiserjeva intelektualna lastnina”) ali njihovih kopijah. Vse pravice do
  Paywiserjeve intelektualne lastnine, ki vam niso izrecno dodeljene s to Pogodbo, so pridržane.
  Vsako uporabo Paywiserjeve intelektualne lastnine moramo predhodno pisno odobriti.
11. Vse pritožbe, pripombe ali
  ideje o možnih izboljšavah naših storitev, ki ste nam jih posredovali, se bodo štele za
  prostovoljne in nezahtevane od vas. Takšne informacije ali zamisli lahko prosto uporabljamo, ne
  da bi vam pripisali ali plačali nadomestilo, in do vas nimamo nobenih fiduciarnih ali drugih
  obveznosti v zvezi s tem, kar ste nam predložili.
12. Trgovec se strinja, da lahko
  Paywiser njegovo ime in standardni logotip (ki ga objavi trgovec) vključi na seznam strank
  Paywiserja na svoji spletni strani in v svojem prodajnem gradivu. Paywiser ima pravico, da
  omenjeni seznam prosto uporablja pri svojih komercialnih prizadevanjih. Kakršna koli druga
  uporaba imena, logotipa ali informacij trgovca je mogoča le s predhodno pisno odobritvijo
  Trgovca, ki jo lahko Trgovec po lastni presoji zavrne.
13. Trgovec lahko na svoji spletni
  strani v rubriki “Pogosta vprašanja” ali v podobni informativni rubriki na svoji
  spletni strani navede Paywiser kot svojega ponudnika plačilnih storitev in pojasni, da se lahko
  ime Paywiser zaradi tega pojavi na bančnih izpiskih stranke. Trgovec lahko v takem kontekstu
  vključi tudi internetno povezavo na spletno stran Paywiserja.
14. Pridržujemo si pravico, da
  kadar koli in po lastni presoji zahtevamo, da prekinete kopiranje, uporabo in prikaz naše
  intelektualne lastnine.
  
  Brez odpovedi
15. Naša opustitev ali odlašanje
  pri izvrševanju svojih pravic, v zvezi z zagotavljanjem striktnega spoštovanja Pogodbe in njenih
  določil, se v nobenem primeru ne bo štelo kot naša odpoved pravicam, ki nam jih zagotavlja
  Pogodba.
  
  Prenosi
16. Lahko
  prenesete ali dodelite katero koli svojo pravico ali obveznost iz Pogodbe le z našim predhodnim
  pisnim soglasjem, ki se vam ga ne bo neutemeljeno zavrnilo.
17. Brez kakršnega koli soglasja
  lahko prenesemo katero koli od naših pravic in obveznosti v skladu s Pogodbo. Strinjate se, da
  boste takoj izpolnili vse dokumente, ki jih razumno zahtevamo, da bo prenos uspešen. Prav tako
  lahko brez vaše predhodne privolitve podamo v podizvedbo katerikoli osebi katerokoli našo
  obveznost.
18. Če predlagamo, da bistveni del
  vašega premoženja prenesemo na drugo podjetje, lahko brez vašega soglasja prenesemo tudi vse
  svoje pravice, pooblastila, obveznosti in obveznosti v skladu s Pogodbo ali v povezavi s njo.
  
  Delegiranje
19. Lahko delegiramo katero koli
  svojo funkcijo in odgovornost iz Pogodbe na drug subjekt, če razumno menimo, da lahko ta subjekt
  opravlja te funkcije in odgovornosti v skladu z veljavnimi regulatornimi zahtevami in standardi.
  
  Ločljivost
20. Vsaka določba sporazuma je lahko obravnavana ločeno.
21. Če katera koli določba Pogodbe ali katerega koli njenega dela postane nezakonita, neveljavna ali neizvršljiva, se šteje, kot da te določbe ni v Pogodbi.
22. Slednje ne vpliva na zakonitost, veljavnost, izvršljivost in smiselnost preostalega dela Pogodbe in ostane v celoti veljaven.
  
  Pravice tretjih
23. Nobena druga oseba ne bo imela nobenih pravic za izvajanje Pogodbe ali pravic na podlagi Pogodbe (pravice tretjih oseb), razen katera koli od naših Povezanih oseb.
  
  Razmerje med strankami
24. Pogodbenice so v skladu s
  Pogodbo neodvisni pogodbeni partnerji in nič v te Pogodbi se ne bo razlagalo tako, da bi
  ustvarjalo partnerski odnos, skupno podjetje, zastopniške odnose med nami ali kakršnega koli
  drugega razmerja, ki ni opisan v teh Splošnih pogojih. Nobena stranka ni pooblaščena za
  sklepanje Pogodb kakršne koli vrste v imenu druge in nobena stranka ne bo trdila, da ima Trgovec
  ali mi takšno sposobnost.
  
  Tripartitna pogodba
25. S strinjanjem s temi Splošnimi pogoji Trgovec potrjuje, da razume naravo statusa Paywiserja kot posrednika plačil in naše
  Partnerske bank, ter razume, da v primeru, da Trgovec doseže enega od naslednjih pogojev:
  1. Letni obseg transakcij presega pragove, ki jih določa ustrezni Mednarodni Plačilni Sistem (1 (en) milijon USD za VISA, 1 (en) milijon USD za MasterCard) v primerih, ko Paywiser ne deluje kot Operater Stopenjske Digitalne Denarnice; ali
  2. Če se pogodbeni stranki tako dogovorita; bo Trgovec vzpostavil
    neposredno pogodbeno razmerje s Partnersko banko. S sklenitvijo nove tripartitne pogodbe
    med partnersko banko, Paywiserjem in trgovcem preneha veljati ta Pogodba. Če nastopijo
    okoliščine iz odstavka (a) te točke, nas morate o tem nemudoma obvestiti.
    
    Višja sila
26. Nobena od strank ni odgovorna
  za zamudo ali neizpolnitev katere koli svoje obveznosti po tej Pogodbi, če in kolikor je taka
  zamuda ali neizpolnitev posledica okoliščin, na katere ta stranka nima razumnega vpliva, med
  drugim zaradi epidemije ali pandemije, zapor, neizpolnjevanja obveznosti zaradi telekomunikacij,
  naših prodajalcev ali dobaviteljev, napak v oskrbi, požarov, poplav, eksplozij, nesreč, višje
  sile, vojne, nemirov, stavke, blokade ali drugih usklajenih ukrepov delavcev, vladnih ukrepov
  (“dogodek višje sile”); vendar pod pogojem, da stranka, ki se sklicuje na dogodek
  višje sile:
  1. je dogodek višje sile vplival na njeno izvajanje, mora v 3 (treh) dneh po tem, ko je izvedela za dogodek višje sile, o tem obvestiti drugo stranko in predložiti dokaze o obstoju tega dogodka višje sile in njegovem vplivu na zmožnost te stranke za izvajanje;
  2. )se učinku višje sile ne bi mogel izogniti s previdnostnimi ukrepi, ki bi jih ob upoštevanju vseh dejstev, ki so mu bila znana pred dogodkom višje sile, razumno moral sprejeti, vendar jih ni sprejel;
  3. si je po najboljših močeh prizadeval ublažiti učinek višje sile in izpolniti svoje obveznosti po tej pogodbi na način, ki je razumno izvedljiv, ter nadaljevati z izvajanjem svojih obveznosti takoj, ko je to razumno mogoče.
27. Če pogodbenica ne pošlje pravočasnega obvestila v skladu s prejšnjo točko, je odgovorna drugi pogodbenici za vso škodo, ki je le- tej nastala zaradi odsotnosti ali zamude pri obvestilu.
28. Če se gospodarske razmere bistveno spremenijo v primerjavi s tistimi, ki so veljale ob podpisu pogodbe, se pogodbenici dogovorita o potrebni prilagoditvi te Pogodbe ob upoštevanju danih razmer.
29. Pogodbenica, katere izpolnjevanje obveznosti je ovirano zaradi višje sile, je oproščena izpolnjevanja obveznosti v
  obsegu, v katerem je višja sila neposredno vplivala na njene obveznosti, druga pogodbenica pa ni
  dolžna plačati za storitve po tej Pogodbi, ki niso bile opravljene; vse obveznosti, na katere
  višja sila ne vpliva, se še naprej izpolnjujejo pravilno v skladu s to Pogodbo.
30. Pogodbenica, ki jo ovira višja sila, mora sprejeti vse razumne ukrepe, da odpravi višjo silo in njene posledice.
31. Če višja sila ali njene posledice trajajo več kot 20 (dvajset) koledarskih dni, pogodbenici sodelujeta, da bi spremenili tiste določbe te Pogodbe, na katere je ta višja sila vplivala. Če takšen pisni dogovor ni dosežen v naslednjih 5 (petih) koledarskih dneh, lahko katera koli pogodbenica pisno obvesti
  drugo pogodbenico 5 (pet) koledarskih dni pred enostransko prekinitvijo izvajanja te Pogodbe.
  
  Celoten dogovor
32. Ta Pogodba (z vključenimi aneksi) in priloge k Pogodbi predstavljajo celovit dogovor med Trgovcem in Paywiserjem ter
  nadomesti in razveljavi vsa druga predhodna zagotovila, dogovore, zaveze in sporazume, ki se nanašajo na enak predmet oz. zadevo.
33. Vsaka pogodbenica priznava, da se pri sklenitvi Pogodbe ni zanašala na nobene izjave, zagotovila, garancije ali dogovore, razen na tiste, ki so izrecno določene v Pogodbi.

Te Splošni pogoji veljajo od 9.9.2022 naprej.

PayWiser d.o.o.

Bravničarjeva ulica 13

1000 Ljubljana www.paywiser.com [email protected]

General Terms and Conditions

FOR ACQUIRING OF PAYMENT TRANSACTIONS AND MERCHANT AGREEMENTS

These General Terms and Conditions for Acquiring of payment transactions and Merchant Agreements (hereinafter: General Terms) are a part of Merchant Agreement, which constitutes the business conditions of the company Paywiser d.o.o., company code 8640084000, with a registered office at Bravničarjeva ulica 13, 1000 Ljubljana, Slovenia, (hereinafter referred to as “Paywiser”, “we” or “us”), registered in the Register of Legal Entities of the Republic of Slovenia, drawn up in accordance with slovenian law.

DEFINITIONS AND INTERPRETATION

In the Agreement, unless the context otherwise requires the listed terms will have the following meanings:

Account: Dashboard Account means account that Merchant opened at Paywiser for account traffic monitoring, downloading reports and to perform refunds. Each account has merchant identification number (MID)

Account: Payment Account means an account held by payment/credit institution which is used for the execution of Payment Transactions in your favour;

Partner Bank means our contractual partner DECTA Limited, registered in England and Wales under corporate number
09926210, with its registered office at Suite 3, Third Floor, 62 Bayswater Road, London, W2 3PH,
which is offering us (i) access to its telecommunication channel for connection to the Card
Schemes to facilitate the acceptance of Cards by sending inquiries for Authorisation of
Transactions in accordance with the Standards, (ii) accepting Transaction Amounts and Refunds
from the Card Schemes, (iii) storing Transaction Amounts in the form of Money, (iv) redeeming of
Money by transferring the equivalent amount, (v) transferring (via Card Schemes) of OCT amount
to Cardholder (vi)registration of our Gateway with relevant Card Scheme;

Action Plan means internal regulatory document of a Merchant that contains information and set of activities,
which shall be carried out by that Merchant to improve the statistics on Chargebacks and
fraudulent Transactions under this Agreement. The Action plan should include: the Merchant
business description and future strategy of its business; analysis, that reflects a cause of the
increase of the Chargebacks and fraudulent Transactions; if the Merchant cooperation with the
third parties is the reason of negative statistics of the Chargebacks and fraudulent
Transactions, such third parties and their detailed description shall be specified; the
description of the methods and tools applied by the Merchant for definition and prevention of
risk, that are used to ensure monitoring of the Transactions; the list of the activities held
and planned for the improvement of negative statistics of the Chargebacks and fraudulent
Transactions (enacting of new rules in a range of definition and prevention of risk); the
planned timetable for the improvement of statistics of the Chargebacks and fraudulent
Transactions;

Agreement or Merchant Service Agreement an agreement entered into between Paywiser and you- Merchant in which we
agree to facilitate that your access to the International Payment Systems/Card Schemes using our
acquiring and Gateway services and which contains requirements demanded under applicable
legislation and regulations as further specified in the Agreement and includes: the Initial
Merchant Questionnaire, these General Terms and any appendixes (e.g. Pricing Schedule, Data
Protection Agreement), as added to and amended from time to time in writing;

Application Program Interface, API means an “application program interface” which you or a third party appointed by you
uses to host the internet payment pages necessary to facilitate your use of Online
Payments;

Authorisation is the process whereby the Merchant requests permission for a payment method to be used for a
particular purchase of

Merchant’s Service or Product.

Initial Merchant Questionnaire is sent to the Merchant via email and contains requirements for the Merchant to submit
data which is necessary to start the onboard process with a Merchant.

Business Days any day
other than (i) Saturday or Sunday, or (ii) a public holiday in Slovenia and/or in the country
where the Merchant has its establishments, (iii) a day on which banking institutions in Slovenia
are authorised by Regulatory Requirements to be closed;

Card Issuer means a
member of a Card Scheme that enters into a contractual relationship with a Cardholder for the
issuance of one or more cards;

Card Schemes Card Association / Card
scheme is an umbrella term for Visa, MasterCard
or comparable bodies which provide Cards that is notified by us to you;

Card, Payment Card means any form of Credit Card or Debit Card, which may be used by a Cardholder to
carry out a Transaction on a Cardholder’s account;
Cardholder means a person who is issued with and has Authorisation to use a valid Card and is a
Customer purchasing products and/or services from you;

CNP or Card Not Present Transaction
is a Transaction by a Cardholder where the Cardholder is not physically present at
the point of sale at the time of the Transaction. CNP shall comprise MO/TO and E-Commerce
Transactions;

Chargeback: a claim of
the Issuer for return of a Transaction Amount drawn up according to the Card Scheme
Standards;

Chargeback Threshold is
an upper limit placed on a merchant’s chargeback ratio, calculated monthly as chargebacks
divided by total transactions; Customer is an umbrella
term for Cardholders that use the products and/or services provided by the Merchant;
Card Verification Method / CVM Code
The 3- or 4-digit numeric code that is printed on a Card. This code is known as: for
Visa: CVV2; for MasterCard: CVC2; for American Express and Discover: CID. Collectively referred
to as CVM Code;Data Security Event means any event where Cardholder Data or Transaction Data (including any Card data or
Personal Data) is stolen, misused or disclosed to an unauthorised person;

Data: Account Data The term includes (1) Cardholder Data (primary account number (PAN); Cardholder name;
service code; expiration date) and (2) Sensitive Authentication Data (including full track data
from the magnetic stripe, equivalent data on the Chip, or elsewhere; CAV2/CVC2/CVV2/CID4 – the
three- or four-digit value printed on the front or back of a Payment Card; PIN/PIN Block –
personal identification number entered by Cardholder during a card-present transaction, and/or
encrypted PIN block present within the transaction message);

Data: Acquiring Data means all data relating to submitted transactions, transaction fees, account fees and
settlement;

Data: Personal Data means any information relating to an identifiable natural person, including
identifiers such as name, identification number, location data, online identifier; physical
identity factors such as height, colour of eyes; physiological identity factors such as
biometric data, medical record; economic identity factors such as source of funds, source of
wealth, account balance, transaction history; cultural identity factors such as level of
education; social identity factors such as marital status, children, criminal convictions and
offences;

Data: Sensitive Payment Data is an umbrella term for Account Data and Transaction Data;

Data: Transaction Data means information on the Transaction and the Cards by means of which the Transaction
was conducted, as well as information on the Cardholder’s identification results;

Fallback means a procedure where you can manually process a Transaction and obtain Authorisation where the
initial process fails;

Fee: Card Scheme Fee means fees paid to the Card Schemes for the services rendered by them for the
processing of a payment transactions. Card Schemes fees include variable and fixed fees per
transaction and are applied on pass-through basis to Merchants;

Fee: Processing Service Fee means fee charged for processing of payment transactions;

Fee: Interchange Fee means a fee, set by the Card Schemes, paid by the acquirer (i.e. Paywiser) to the
issuer of the Payment Card for each Transaction, directly or indirectly (i.e. through a third
party);

Floor Limit means the transaction amount limit for all card transactions that must be sent to Paywiser for
Authorisation. To the extent that Merchants process Card Not Present Transactions, those
transactions shall have zero-floor-limit, which means that they are to be sent to Paywiser for
Authorisation;

Gateway software is a software, used to send the Transaction Data, including Merchant’s request for
Authorisation of the Transaction, to the acquierer;

Interchange ++ Pricing Model is a dynamic pricing model which is based on real cost of different parties involved
in the processing of a transaction. The fee paid by you to us will consist of: Interchange, Card
Scheme Fee and Processing Service Fee;

Issuer means credit
institution or another legal entity who issued the Card;

KYC, KYB stands for the terms “Know Your Customer” and “Know Your Business”. These are regulatory requirements which
we need to fulfil by identifying our Merchant´s and their business before entering into a
business relationship;

Merchant, you and your means any legal entity entering into the Agreement with us and, where applicable,
their duly authorised representatives and successors;

MO/TO or Mail Order/Telephone Order Transaction is a Transaction by the Customer where the
Customer is not physically present at the point of sale at the time of the Transaction, and the
Payment Details are presented to the Merchant by the Customer by means of mail (not email), fax
or telephone;

Working Hours being no less than 9.00 a.m. CET to 5.00 p.m. CET from Monday to Friday;

Original Credit Transactions or OCT means a credit transaction in which funds are transferred (via Card Schemes) to a
specified Card;

Party each party under the Agreement – Paywiser, the Merchant, including any payment service provider/independent sales
organisation that

signs the Agreement, are individually
referred as a “Party” and both together as “Parties”;

PCI-DSS the Payment
Card Industry Data Security Standards developed by the International Payment Systems safety
requirements for Card and Transaction Data registration, archiving and for other non-cash
transactions related activities;

Rolling Reserve means
an amount which is determined by us (in our sole discretion) for the purpose of securing any
claims that we might have against you;

Services mean the
Acquiring Services, Ancillary Services, Payment Gateway services and processing services
provided by us to the Merchant to enable the Merchant to use payment methods to process
transactions, as well as providing other services by us to the Merchant under this
agreement;

SCA means Strong Customer Authentication, which is a European regulatory requirement to reduce fraud and make
online and contactless offline payments more secure. SCA requires authentication to use at least
two of the following three elements: something the Customer knows (e.g. password or PIN),
something the Customer has (e.g. phone or hardware token), something the customer is (e.g.
fingerprint or face recognition);

Standards means: (i) Card Scheme Standards – any operating rules, regulations, procedures of the relevant Card
Schemes including, but not limited to any manuals, guides, bulletins, member letter as may be
amended from time to time; and the Standards established by the Payment Card Industry Security
Standards Council: (ii) PCI DSS – the Payment Card Industry Data Security Standards and (iii)
PA-DSS – Payment Application Data Security Standards;

Third-Party Service Provider means provider of services that is not Party to the Agreement;

Transaction means an authorisation request of an Account Holder for a payment from the Account Holder to the Merchant
submitted by Merchant to us;

Transaction: Card Not Present Transaction, CNP Transaction means a transaction between you and a Cardholder which
is completed when neither the Cardholder nor the Cardholder’s card are present at your location
at the time of the Transaction, e.g. mail order/telephone order (MO/TO) Transactions, E-commerce
(internet) Transactions or pre-authorised recurring order transactions; Transaction: E-commerce
Transactions means a Card Not Present Transaction carried out over the internet via a fixed or
mobile device in which Card details are transmitted by the Cardholder to you via the Internet,
or any other public or private network;

Transaction: Instalment Transaction The single purchase of products and/or services billed to an account in multiple
segments over a period of time agreed to between a Cardholder and a Merchant;

Transaction: Payment Transaction means the acceptance of a Card or information embossed on the Card, for payment for
products sold and/or leased and/or services provided to Cardholders by Merchant. Transaction can
be either a F2F Transaction or a CNP Transaction or both. The term Transaction also includes
credits, errors, returns and adjustments;

Transaction: Recurring Transactions means a Transaction which a Cardholder has agreed can be debited to their Card at
agreed intervals or on agreed dates. The Transaction can be for a specific amount or for an
amount due to you for the on-going provision of products and/or services;

Transaction: Refund means the procedure, by which a request for return of a Transaction Amount or a part
of a Transaction Amount to a Cardholder is made;

Transaction Receipt means an electronic record of a Transaction;

Website, E-commerce Website means the website operated by or on behalf of you through which your Customers can
make Transactions in order to pay for the goods or services, that you are offering.
In the Agreement, unless
the context otherwise requires:
1. any reference to the applicable Regulatory Requirements, Standards and agreements will be
  interpreted as a reference to such applicable Regulatory Requirements, Standards and
  agreements as amended, extended, consolidated or re-enacted from time to time and will
  extend to any subordinate legislation made under it;
2. references to clauses and schedules are to clauses and schedules of the Agreement, and references to paragraphs are of
  paragraphs in the Schedules in which such references appear;
3. a reference to a person (including a party hereto) includes a reference to (i) that person’s
  legal personal representatives, successors and permitted assigns and (ii) corporate,
  unincorporated associations, natural persons, firms and partnerships;
4. unless the contrary intention appears, words in the singular include the plural and vice versa; words
  importing the masculine gender include the feminine and neuter and vice versa;
5. the headings in the Agreement are for convenience only and will not affect the construction or
  interpretation of the Agreement;
6. any phrase introduced by the term “included”, “including”, “in
  particular” or any similar expression will be construed as illustrative only and will
  not limit the sense of the words preceding that term;
7. subject to applicable Regulatory Requirements, in construing the Agreement, the so-called “contra
  proferentem” rule will not apply and accordingly no term, condition or provision of the
  Agreement will be construed against a party hereto solely on the basis that the party
  drafted and/or is relying upon the relevant term, condition or provision;
8. in the case of any conflict or ambiguity between the Agreement and the Standards, the Standards
  will prevail, provided that the Agreement will be interpreted to give as full effect as is
  possible to both the Standards and the Agreement;
9. in the case of any conflict or ambiguity between the Standards and the applicable Regulatory
  Requirements, the Regulatory Requirements will prevail.

SERVICE PROVIDER
1. The Services under the Agreement are provided by Paywiser.
2. The Service Provider is duly authorised as an electronic money institution and is subject to the prudential supervision of the
  Bank of Slovenia and is registered in the list of electronic money institutions published on the Bank of Slovenia’s website.
3. Paywiser provides the Services under this agreement and may rely on services of other outsourcing services providers, such as Partner
  banks, technology providers etc. with whom Paywiser has concluded appropriate Agreements.
SERVICES
1. 1. Subject to the General Terms of the Agreement we agree to provide you with services to
    manage your access to the Payment Systems and acceptance of payments via Payment Cards (“Services”).
  2. The Services include Acquiring Services, Payment Gateway Services and Ancillary Services.
  3. We will provide you with Acquiring Services, consisting of:
    1. acquiring of Payment Transactions;
    2. registration with Card Schemes, when required;
    3. provision of real-time access to Acquiring Data through Remote Access Module (RAM);
    4. settlement of Payment Transactions.
  4. We will provide you with the following Payment Gateway Services:
    1. integration and access to Gateway Software and technical support necessary for acceptance of the Cards on Merchant Website;
    2. Transaction Authorisation services, processing of Chargebacks and Refunds, accept inquiries for the Original Credit Transactions;
    3. provide reports on all Transactions conducted during the month proceeding the reporting month. The Parties shall agree separately of the form and periodicity of the reports.
  5. Where expressly agreed so, we will ensure provision of the following Ancillary Services:
    1. application processing and due diligence;
    2. payment page(s);
    3. risk management;
    4. customer support;
    5. trainings and educational support.
  6. We will provide the Services as set out in the Agreement and we will not be obliged to provide any other services, unless
    expressly agreed between you and us in writing. We are not responsible for the provision of any
    advice, such as legal, accounting, or taxation matters, or services not specified in the Agreement.
  7. We will provide the Services with reasonable skill, care and diligence in compliance with Regulatory Requirements and
    Standards, following good business practices and to your reasonable satisfaction.
  8. We shall be entitled to make a decision in our absolute discretion on whether to enter into an agreement with each Merchant
    and whether to continue to provide such services once commenced.
ELIGIBILITY
General provisions
1. 1. You will only be eligible to use the Services subject to your status and after you have met relevant eligibility criteria (KYC, KYB). Details on the applicable eligibility criteria may be varied from time to time.
  2. If at any point, you fail to fulfil all the eligibility criteria, we may terminate the Agreement and stop providing Services.
  3. If you conduct your business through separate lines or you have separate Websites, entering into separate agreements may be required.
    
    Merchant profile
  4. Our Services are intended for legal entities of any size that conduct sale of products and/or services and receive
    payments via Payment Cards based on Card Not Present Transactions .
  5. The Merchant must be all of the following:
    1. incorporated and operates within an Allowed Jurisdiction;
    2. financially responsible;
    3. with good reputation.
  6. The Merchant must NOT:
    1. be engaged in any activity that could cause harm to the Payment System, Card Schemes` brands or our reputation;
    2. be engaged in any activity that is considered illegal, brand-damaging;
    3. be prohibited, including its known owners (principals) from participating in any Card Scheme programme;
    4. be a sanctioned person/entity and is not included in the lists of people or entities subject to restrictive measures or sanctions:
      - a sanctioned person is any legal or natural person who is the target of sanctions or is subject to sanctions, which includes, without limitation, a person who:
        
        is owned or controlled, directly or indirectly, by a person targeted by sanctions; or
        
        is incorporated, domiciled or is a national or resident of a State that appears on the list of sanctioned States;
      - sanctions means any economic, financial, trade or similar restrictions and prohibitions adopted, imposed or provided for by the following organisations or States (and any
        bodies or agencies thereof):
        a) the United Nations;
        b) the United States of America; or
        c) the European Union or its present or future Member States;
and must not act directly or indirectly on behalf of a designated person. The Merchant also declares that, to the best of their knowledge, the sanctioned person is not any of their legal representatives, authorised persons or persons employed by the Merchant and the beneficial owners.
ACQUIRING SERVICES
Acquiring of Payment Transactions
1. 1. We undertake to acquire all valid Transactions submitted to us from you in accordance with the Agreement.
  2. We will support the acceptance of Card Not Present Transactions – e-commerce.
  3. We need to agree explicitly on the acceptance of each type of Transaction.
  4. We will settle your Payment Transactions through the Payment System of the respective Card Scheme (VisaNet / MasterCard Interchange System).
  5. In some circumstances the Card Issuer will have the right under the Standards to refuse to settle a payment or to request a
    reimbursement from us of a payment which has already been settled. In either case, the relevant
    amount is referred to as a ‘chargeback’. Such circumstances can be:
    (i) the Cardholder denies authorising Card Not Present Transaction;
    (ii) multiple charges for the same good or service;
    (iii) the goods or services received were not as described or had a defect, etc.
  6. If a Card Issuer exercises it´s right not to settle or to undertake a Chargeback, we will be entitled to Chargeback the Transaction immediately. For every Chargeback, a non-refundable Chargeback Fee will be charged to the Merchant as set out in the Pricing Schedule.
  7. Our Chargeback rights will not be affected by any arrangement between you and the Cardholder.
  8. You agree to provide us with documents confirming Transactions and Refunds and provide other assistance in relation to a
    Chargeback as we may reasonably request within 3 (three) Business Days from receipt of our request to do so.
  9. Despite the above: we shall not be obliged to notify you of any defect in any Transaction Data or other liability to
    Chargeback except where a Chargeback is in fact made; we may treat any defective Transaction
    Data as valid; and we are under no obligation to assist you in getting payment from a
    Cardholder where the relevant Transaction Data has been charged back.
    
    Registration with Card Schemes
  10. The acceptance of the Merchant as a customer is strictly linked to the description of Merchant’s Products and Services
    Merchant registered when entering into the Merchant Agreement.
  11. Subject to the provisions of the Agreement, we undertake, when such registration is required, to register you with Visa
    and/or MasterCard and to maintain the respective registration(s).
  12. In case your business is or will become rated as high-risk business, the Merchant will only be able to register with
    MasterCard and accept payment card issued by MasterCard.
  13. We will advise you whether registration is needed based on the description of your business, provided in the Initial Merchant Questionnaire.
  14. You acknowledge that the registration is subject to the sole discretion of the respective Card Scheme, which may approve
    or reject any application or decline to renew the registration, if renewal is required.
  15. To perform a registration, you or the person submitting the application (your “Representative”) must provide us with your
    business legal name, registered address, email, phone number, registration number and country of
    incorporation, URL, the nature of your business or activities, expected monthly turnover in the
    transaction currencies, description of the potential Merchant’s anticipated Cardholders
    shown by geography a percentage by regions (Europe, Asia etc.) and certain other information
    about you that we require. We may also collect personal information (including name,
    birthdate, and government-issued identification number) about your beneficial owners, principals, and
    your account administrator.
  16. If you use Payment Processing Services, your name (or the name used to identify you) and URL may appear on your Customers
    bank or other statements. To minimize confusion and avoid potential disputes, these descriptors
    must be recognizable to your Customers and must accurately describe your business or activities.
    You may only use Payment Processing Services to facilitate Transactions (as defined below) with
    your Customers. You may not use Payment Processing Services to conduct any personal transactions
    or for peer-to-peer money transmission, or for any other purposes prohibited by this Agreement.
  17. We will neither be in breach of the Agreement nor liable for any failure or delay in performance of our
    obligations under it, in case the respective Card Scheme decides to reject your application or decline to renew your registration, if renewal is required.
  18. You acknowledge that you will be entitled to submit Transactions to us after the receipt of written confirmation of your registration with the Card Schemes.
  19. In all cases where registration fees are assessed by the Card Schemes, you undertake to reimburse us for this cost.
    
    Business Representative
  20. You and your Representative
    individually affirm to Paywiser that your Representative is authorised to provide the
    information described in the section 5.15 (Registration with Card Shemes) on your behalf and
    to bind you to this Agreement. We may require you or your Representative to provide additional
    information or documentation demonstrating your Representative’s authority.
  21. We can continue to act on instructions from an authorised person until we receive written notice from you that they
    are no longer authorised.
  22. If you are a sole proprietor, you and your Representative also affirm that your Representative is personally responsible
    and liable for your use of the Services and your obligations to Customers, including payment of
    any amounts owed under this Agreement.
    
    Payment for transactions
  23. We undertake to pay you the net amount of all Transactions that we acquire from you in accordance with the Standards and
    the Agreement by crediting your Payment Account.
  24. If for any reason the amount received from the International Payment System is less than the sum of the Transaction
    Amounts, we shall transfer the amounts received to the account after deducting any sums in accordance
    with this Agreement proportionally to the amounts actually received.
  25. We may withhold payment if in good faith we suspect that:
    1. any Transaction is fraudulent or involves any other criminal activity;
    2. any Transaction was not in the ordinary course of your declared business;
    3. the number or size of Transactions is significantly greater than expected; or
    4. any of the events referred to in Clause “Suspension of Services” or required for the immediate
      termination of the Agreement by us has happened (whether or not we have terminated the Agreement).
  26. Payments may be retained until we consider, acting reasonably, that:
    1. the relevant Transactions are legitimate;
    2. the relevant Transactions are no longer liable to be the subject of a Chargeback;
    3. you have discharged all your obligations to us under this Agreement.
      
      Granting access
  27. Once your Initial Merchant questionnaire has been accepted, if you are eligible, we will send you details of how to
    access our online Remote Access Module (RAM) or similar web-based application.
  28. During the term of the Agreement, through RAM (web-based application), we will provide you with access to all data relating to
    submitted transactions, a breakdown of your charges and fees for the Services – transaction fees, account fees and settlement.
  29. Access credentials (user name and password) will be provided to the person designated in the Basic questionnaire. You are responsible for maintaining adequate security and control of your access credentials.
    
    Merchant equipment and software
  30. The Merchant shall be solely
    responsible for the installation, servicing, maintenance, security and operation of the
    equipment and software needed to connect to the Payment Interface (API) and submit
    Transactions for processing by Paywiser.
  31. Paywiser provides standard software modules and installation guides to the Merchant to help enable the connection to
    the Payment Interface and may provide software tooling provided or approved by Paywiser to connect to the API.
  32. We reserve the right to change or amend the software and the interface to it at any time, to provide the Merchant with a
    new version thereof, and/or to change the functionalities and characteristics of the Software.
    No changes will be implemented by Paywiser which materially reduce functionality of the
    Services which was explicitly committed to be provided under the Merchant Agreement, except where
    this is made necessary by:
    (i) the need to follow generally accepted changes in industry standards,
    (ii) changes in applicable laws or Scheme Rules, (iii) the need for increased security due to
    security risks identified by Paywiser (iv) other reasonable grounds which warrant the
    reduction of functionality. If Merchant is significantly impacted by a material reduction of
    functionality due to a change in the Software, it may terminate the Merchant Agreement by giving written
    notice to Paywiser within 1 (one) month after Paywiser announced the change.
  33. Paywiser endeavours to minimise changes to the API Interface.
  34. Paywiser will announce changes to the API Interface for the Merchant in reasonable time in advance to allow Merchant to
    prepare for any impact.
ANCILLARY SERVICES
Application processing and due diligence
1. 1. Before entering into, extending, or renewing our Agreement with you and during the term in which the
    Agreement is in full force and
    
    effect, we will request to be provided with information and documents (“Information”).
  2. You agree to provide us, upon reasonable request and at your expense, with accurate, precise, complete and updated Information.
  3. We will impose certain requirements in respect of content, issuer, validity period, etc. for the documents that we will request you to provide us with.
  4. From time to time we may request the provided documents to be certified as a true copy of the original document according to the following guidelines:
    1. on the copy of the document it must be written ‘Certified to be a true copy of the original seen by me and must be signed and dated. The certification should also contain the following information: the name of the certifying person, the signature, their occupation, contact details;
    2. the certified copy to be signed by one of the following professionals: notary, ambassador, consul, solicitor or other individual licensed to practise law, chartered accountant.
  5. If the provided documents are not written in English, we may request to be translated and the translation to be certified by the translation company. On the translated copy of the document it must be written that it’s a ‘true and accurate translation of the original document’, the date of the translation and the full name and contact details of the translator or a representative of the translation company.
  6. You acknowledge and agree that we will:
    1. research your background including, but not limited to, credit background checks, banking relationships, and financial history;
    2. collect data and/or information about you through automatic means, public registers, social media, data vendors or other data providers;
    3. request other information about you.
  7. We will use the collected Information to comply with statutory services, for due diligence services, to carry out risk
    analysis, for fraud prevention and risk management, for the purpose of monitoring and evaluating
    your financial and credit status, to defend any claim made against us by any Cardholder and to provide you with the Services.
  8. In case you do not start processing within 6 months from the Effective Date of the Agreement, you will be required to
    submit updated documentation, as required for the entering into the Agreement.
  9. For the purpose of assessing and managing credit and fraud risks, you are required to provide us, upon request, with
    copies of financial accounts, supplier invoices, customer contracts and any other documentation, which we might request.
  10. In order to defend any claim made against us by any Cardholder, you will provide us with all Information and assistance
    which we may reasonably require.
  11. The Merchant undertakes to provide to us immediately on request:
    - the names of each principal and that principal’s country of domicile; and
    - Transaction reports including such details as we and/or the Partner Bank may require,
    - such information as we may request from time to time in order to respond to any request from, or information filing obligation owed to, any International Payment System,
  12. The Merchant agrees that we or the Partner Bank may share such information with the International Payment Systems and
    governmental or quasi-governmental entities in its absolute discretion.
  13. We undertake not to use the Transaction Data for purposes other than the lawful processing of such data in accordance with the PCI DSS requirements and as requested by the Rules of the International Payment Systems.
    
    Integration with our processing platform
  14. You are responsible for your technical integration with our processing platform and all costs and expenses directly or indirectly incurred in successfully completing the technical integration.
  15. You will be responsible for:
    1. ensuring that you have system administrator(s) who is/are familiar with Payment System integration(s) and can act as first point of contact;
    2. informing us of any changes to your system administrator’s contact details without undue delay;
    3. providing the telecommunications and network services and correctly configured hardware and other equipment needed for the integration;
    4. the configuration and management of access to our processing platform; and
    5. obtaining our prior written consent to any integration of payment gateway(s) which you may wish to undertake; and
    6. any work required for any integration approved by us.
  16. If we explicitly agree so, throughout the term of the Agreement we will provide you with software and systems required to enable your integration with our processing platform that will enable you to receive acquiring Services.
    
    Gateway services
  17. Throughout the term of the Agreement we will provide you with Payment Gateway services in order for you
    to connect to our processing platform as well as technical support necessary for acceptance of
    the cards on Merchant´s website. You undertake to use our Payment Gateway services as described
    in this Agreement and Gateway Software.
  18. We will provide Payment Gateway on continuous basis, 24 hours a day, 7 days a week, 365 days a year.
  19. We will provide you with RAM access to our Payment Gateway enabling:
    1. transaction monitoring;
    2. transaction reports downloading;
    3. other functionalities upon agreement.
  20. We will provide you with detailed instructions on how to access and how to use our Payment Gateway.
  21. We are responsible for the security of the Sensitive Payment Data that we store, process or transmit on your behalf to
    the extent that we could impact the security of your Cardholder Data environment.
  22. We and the Partner Bank undertake to process Original Credit Transactions only for goods and services that are in conformity
    with the types of commercial activity of each Merchant specified in the Initial Merchant Questionnaire;
    
    Payment Pages
    
    General requirements
  23. The Services shall be used by the Merchant for Card Not Present Transactions via the Payment Pages unless agreed otherwise in
    the Merchant Agreement. The Merchant redirects the Customer to the secured Payment Page.
  24. Merchant shall not capture, register and/or have the Customer fill in, any payment details (expressly including Credit
    Card data) on its own site, but will use the Payment Pages instead to have the Customer submit its Payment details there.
  25. Merchant will not use screen grabbing or other emulation technologies to input Payment details onto the Payment Pages.
  26. You must not use any Payment Page(s)unless we have agreed to this in writing. You shall request our consent to make changes
    to approved Payment Page(s) before submitting any Transaction Data to us.
  27. If we allow you to use any Payment Page(s), you are responsible for its security, safekeeping and maintenance to submit Transactions to us.
  28. If we feel any agreed Payment Page no longer meets our security standards in respect of Sensitive Payment Data, we may require you to replace it.
    
    Payment page
  29. In order to send Transaction Data relating to E-commerce Transactions you need to have a Payment Page that is hosted by you or
    by Third Party Service Provider on your behalf and is approved by us.
  30. Where you are using Payment Page provided by us:
    1. we are responsible for ensuring that the Payment Page is PCI DSS Level 1 compliant in respect of the
      collection and storage of Sensitive Payment Data and will engage with the PCI SCC to the extent necessary to achieve this; and
    2. you must undertake all Transactions using SCA, unless otherwise agreed in writing with us.
      
      API Interface
  31. Connections to the API interface are made with “REST” calls using HTTPS. Authentication is performed via a combination of Store ID/Retailer code, IP and/or client certificate checks.
  32. Merchant undertakes that he will use SCA for all Transactions.
  33. If Merchant does not activate SCA for Transactions offered via the API interface where such option is available, Paywiser has a right to
    
    suspend Merchant´s Agreement.
  34. The Merchant using the API interface must at all times fully comply with the then current PCI-DSS rules
    and on Paywiser’s first request demonstrate such compliance
    and provide its valid certification of its compliance.
    
    Pay by link
  35. Pay by Link is an easy and secure way that allows merchants to receive payments from customers. You will generate a payment
    link by providing payment details (amount and currency) in paybylink.paywiser.com. You can then
    share the link with your customers through the desired engagement channels. When your customers
    visit the link, they are prompted to complete the payment. After they have completed the payment,
    you can review the payment status and transaction details in office.paywiser.com under the
    Transactions Links page. This makes payment easy and convenient for your customers, and you
    receive your money up to three times faster.
  36. It is essential for a message containing a payment link to be trustworthy. In Pay by link, you can use your own logo. The text
    of an email or text message can always be tailored to the message you want to convey. This
    promotes trustworthiness and increases conversion.
    
    Risk management
    
    General provisions
  37. When offering
    your products and/or services, you are required to comply with the rules set in the
    Standards regarding you as a Merchant, your relationships with Customers and third parties, use of
    Cards as payment method.
  38. We shall conduct monitoring of
    your business, including transaction processing to ensure its ongoing compliance with the
    Regulatory Requirements and the Standards and to support you on an ongoing basis to address
    the risks, to which you might be exposed, related to the conduct of your business. We may have
    to provide our Partner Bank with the results of our monitoring reviews and inform the Partner
    Bank of any non-compliance or suspected non-compliance issues.
  39. You undertake to follow strictly our instructions regarding card acceptance and transaction processing that aim to
    ensure your compliance with the Standards and to reduce the level of your risk exposure.
    
    Transaction limits
  40. We may impose limits on the transactions we will process for you over a period of time. These limits can be:
    1. amount limits – per single transaction, per card per day/ week/month
    2. accounts limits – per card per day/week/month
  41. We shall review these limits and where we identify a need to amend them, we will do so.
  42. If you exceed an established limit, processing may be suspended and we may retain settlement funds until new limits are
    agreed, or we may amend the charges and fees payable by you under the Agreement.
    
    Security of payment details
  43. Merchant guarantees not to copy, capture or intercept Payment Details such as credit card
    numbers, CVM Codes, ‘PIN’ codes that are entered on the Payment Page. If Paywiser has reason
    to believe that Merchant is copying, capturing or intercepting Payment Details, Paywiser has
    the right to suspend processing of Transactions and Settlement. Merchant shall fully indemnify
    and hold Paywiser harmless from any losses, claims costs or damage Paywiser incurs as a result
    of Merchant’s breach of this obligation.
    
    Fraud
  44. All Transactions processed by the Paywiser Services will be screened by the our fraud
    scrubbing tools, which performs a number of checks on the Transactions. Fraud scrubbing tools do not
    guarantee the prevention of fraudulent Transactions, nor against resulting Chargebacks or
    Fines. The final responsibility for accepting or rejecting a Transaction will remain with the
    Merchant. Paywiser has a possibility to request to cancel Transactions that it has reasonable grounds
    to suspect to be fraudulent or involving other criminal activities, even if the fraud scrubbing
    tools failed to block the Transaction.
    
    Captures
  45. For some Payment Methods it is possible to ask for Authorisation of a payment (to check
    whether the Customer indeed has an account that can be charged for the payment amount) without
    immediately Capturing the Transaction. The prior Authorisation gives the Merchant some
    additional assurance that when Merchant captures the Transaction, it will be settled to the
    Merchant (and not blocked or subject to Chargeback). The Merchant understands that
    Authorised Transactions have a limited maximum capture period in which they can be captured which is
    set by the Issuing Bank or the relevant Scheme Owner. Beyond the applicable capture period, the
    additional assurance granted by the prior Authorisation is no longer valid, increasing the
    chances of the capture not leading to a successful settlement of the related payment.
    Merchant should generally take into account that the capture period can be as short as 5 days after
    Authorisation.
    
    Customer support
  46. Our personnel will be available to answer your inquiries relating to the Services on Business Days during
    our Working Hours, unless otherwise agreed.
  47. We will conduct our communications with you in a courteous, prompt and efficient manner and will use our best
    efforts to resolve any issue you might have with regards to the Services.
    
    Trainings and educational support
  48. We will provide you on an ongoing basis with trainings, educational support and notifications in
    order to ensure your compliance with the Regulatory Requirements, the Standards and the Agreement.
  49. You undertake to familiarise yourself with all materials we provide you with under the Agreement and to participate in
    all trainings and workshops that we organise for you.
MERCHANT`S RIGHTS AND DUTIESCompliance
1. You acknowledge that you are aware
  of and undertake to operate in compliance with the applicable Regulatory Requirements, rules and
  technical requirements set by the International Payment Systems and by us and/or our Partner Bank,
  Standards and the Agreement, and to refrain from actions that could harm the safety, security and
  soundness of the Payment System. You also acknowledge to abide with laws regarding prevention of
  money laundering and terrorist financing.
2. The Merchant undertakes to comply
  promptly with conditions regarding risk as the International Payment Systems and we may from time to
  time determine to be necessary and impose on the Merchant.
  
  Card acceptance
  1. 1. This Agreement sets forth the terms pursuant to which you are authorised to accept Cards. Display of acceptance mark
    2. You must display appropriate Card Schemes` marks at your merchant Website where payment
      methods are listed to indicate which Cards are accepted for payments.
    3. When you display Card Scheme acceptance mark at your merchant Website, you agree to accept the Card(s) of this Card Scheme for payment.
    4. At your Website and/or application, the preferred way to communicate acceptance is to display the mark at the point of payment choice in full colour.
    5. In all cases, you must display the acceptance marks at parity (in terms of size, frequency, and location) with all other acceptance marks of any type shown.
      
      Cardholder Transaction processing
      
      General requirements
    6. You undertake to submit to us only records of valid Transactions completed by you. You must not submit any Transaction that:
      1. is from Customer with which you are not in an agreement, including when the agreement you had is terminated;
      2. is for products and/or services that do not fall within your business, as described in the Initial Merchant Questionnaire;
      3. is recurring or unscheduled credential-on-file transaction and you have not fulfilled the conditions of your agreement with the Cardholder;
      4. is for payment of products and/or services that are not shipped or provided;
      5. was subsequently reversed for the full amount or represent the amount of the partial Authorisation request;
      6. was previously disputed and subsequently returned to the Merchant. However, the Merchant may pursue payment from the Customer outside the card Payment System;
      7. is illegal (transaction must be legal in both your Customer`s and Merchant`s Location jurisdiction);
      8. is from a Customer that is not allowed by law to purchase a product or a service, due to age limit or other limitation.
      9. is brand damaging;
      10. relates in any way to a country or a person subject to financial sanctions imposed by the authorities of the United Nations, the European Union, the United Kingdom or
        the United States.
        
        Reversal and adjustment
    7. If you processed a Transaction in error, you must process a Reversal or an Adjustment within 30 calendar days.
  Cardholder right of dispute
  
  7.9 You must not impose, as a condition of Card acceptance, a requirement that the Cardholder waive
  a right to dispute a Transaction or any other right.
  
  Refunds
  1. 1. You must process a Refund only for the purpose of crediting funds to a Cardholder for
      returned products, cancelled services, or a price adjustment related to a prior
      purchase.
    2. The Refund must not exceed the authorised amount of the related Payment Transaction.
    3. You must provide a Refund in connection with a Transaction on the same Card as was used for the original
      Payment Transaction, not by cash or check. Only in case the Card has expired, it is possible to refund to the Customer´s bank account.
    4. You must not:
      1. accept payment from a Cardholder for the purpose of processing a Refund;
      2. process a Refund without having completed a previous Payment Transaction with the same Cardholder.
    5. When handling the Refunds, you must strictly follow the instructions given to you by us after
      concluding this Agreement and any amendments thereto.
      
      Transaction amount
    6. You must not establish a minimum or maximum transaction amount as a condition for honouring a Card.
      
      Payment of existing debt
    7. You must not submit any Transaction that represents the refinancing or transfer of an
      existing Cardholder obligation that is deemed to be uncollectible or arises from the dishonour of a Cardholder’s personal check.
      
      Scrip prohibition
    8. The Merchant must not accept a Card for the purchase of Scrip.
    9. Scrip means a substitute or alternative to legal tender that entitles the holder to receive something in return. It´s available in various forms, usually as a form of credit.
      
      Deposition of Transactions
    10. In presenting or submitting Transaction Data to us, you confirm that:
      1. the submitted Transaction Data are complete and accurate;
      2. all statements and facts contained in the Transaction Data are correct and complete to the best of your knowledge;
      3. you have supplied (or, for a prepayment or deposit, have agreed to supply) the products and/or services to which the Transaction Data relates and to the value stated in the Transaction Data;
      4. you have fulfilled the conditions of your agreement with the Cardholder for an Instalment Transaction, a Recurring Transaction, or an unscheduled credential on-file transaction;
      5. you haven’t split a Transaction into 2 or more Transactions.
    11. By sending the Transaction Data you confirm that you have provided the products and/or services to the
      Cardholder and that you have met any responsibility that you may have to the Cardholder.
      Any failure to meet your responsibilities to the Cardholder will be considered breach of the Agreement.
      
      E-commerce Transactions
    12. You undertake not to use any Website in any way which might jeopardise the integrity,
      confidentiality, or security of your Terminals, associated equipment, any computer
      system, servers or network used by you to communicate with us or with Cardholders or
      other computer systems including through disabling devices and unsolicited e-mails.
    13. Your Website and/or application must clearly and prominently display all information required
      in line with the Standards, including:
      1. information about you, including: name, country, mailing address, electronic mail address,
        telephone number, trade register and registration number, and if applicable
        –
        VAT identification number; contact detail of customer service;
      2. information
        about your products and/or services – complete description of the
        products/services provided;
      3. information
        about the payment, including acceptance marks, price, transaction currency,
        timing of billing, timing of fulfilment of transaction, function (button)
        for
        Cardholder to confirm the purchase before the completion of the sale;
        description of your security capabilities;
      4. legal
        restrictions, if known, such as export restrictions;
      5. rules,
        policies, procedures, including – terms and conditions, delivery policy and
        policy on split shipments, Surcharge policy, Return/refund policy,
        Cancellation
        policy, Consumer data privacy policy, Dispute resolution process, Code of
        conduct;
      6. placement of order – availability of technical means allowing customer to identify and
        correct input errors, prior to the placing of an order and provision of
        acknowledgement of order receipt.
    14. You are responsible for verifying the Cardholder’s address and ensure the products are dispatched to this address.
    15. Specific requirements may apply depending on the products and/or services offered.
    16. If you fail to implement SCA within a timescale acceptable to us, your right to process Transactions may be terminated immediately.
    17. When using SCA you must comply with any instructions given by us.
      Transaction Receipt
    18. You must display printable receipt page and you must provide the Cardholder either with
      direct link to Transaction Receipt or to provide the receipt via email or other
      electronic means. The Transaction Receipt must be in a static format that cannot be
      easily manipulated after the card has been credited.
    19. Transaction Receipt must contain, at least
      (i) Merchant details – name/descriptor and location – city and country;
      (ii) payment details –amount, currency, currency conversion rates, surcharge;
      (iii) the last 4 digits of the PAN. The receipt must not contain any Sensitive Payment Data such as the PIN and the CVV.
    20. You must retain
      a Transaction Receipt for at least 13 months from the date of the Transaction and provide it to us upon request.
      
      Solicitation materials
    21. In case you use
      solicitation materials referring to Paywiser or our Services (such as
      advertisements,
      stationery, business cards, sales brochures, Website promotional content, etc.) you
      must
      have our prior written approval. We are entitled to suspend any marketing campaign
      referring to Paywiser or our Services if the content of the materials is not in
      compliance with the applicable Regulatory Requirements, the Standards and the
      Agreement.
    22. Your solicitation
      materials must NOT include misleading or deceptive statements, including statements:
      1. that you are a member/representative of Visa/MasterCard;
      2. that your registration with Visa/MasterCard, if such, is endorsement of your products and/or services;
      3. that imply that you are participating in an activity not permitted by the Standards.
        
        Use of Card Schemes Marks
    23. You acknowledge that each Card Scheme is the sole owner of their respective trademarks.
    24. You agree:
      1. to use one or more of the trademarks to indicate acceptance for payment, provided that the conditions in the Standards are met;
      2. not to use Card Schemes` marks for promotional or advertising purposes in any media, unless
        the Card Schemes` Standards permit their use;
      3. not to use Card Schemes` marks in a way that implies endorsement of your products and/or services;
      4. not to contest the ownership of the trademarks for any reason;
      5. that the Card Scheme(s) may prohibit you from using any of their trademarks for any reason.
    25. You may use one or more of the trademarks in connection with your products and/or services, provided the trademarks are used:
      1. in accordance with the Standards, including all current reproduction, usage and artwork Standards; and
      2. according to our express written instructions; and
      3. solely in connection with the provision of your products and/or services.
        
        Sensitive Payment Data security
    26. You are solely
      responsible for the safety and security of the stored, processed and transmitted
      Sensitive Payment Data. To verify your compliance with PCI-DSS we will require to be
      provided with necessary documents.
      
      Use of Sensitive Payment Data
    27. You must comply with all of the following:
      1. not request or use an account number for any purpose that is not related to
        payment for your products and/or services, except when for the products
        and/or services is paid by using that account number;
      2. not display the full Account Number to the Cardholder online, if you are e-commerce Merchant;
      3. not request the Cardholder to reveal their PIN;
      4. not request a Card Verification Value 2 (CVV2) from the Cardholder on any written form;
      5. reproduce the Cardholder’s signature only at our specific written request or in response to a obtaining request;
      6. store and use a stored credential only as agreed with the Cardholder;
      7. must not extract, keep or reveal any security code, other than for the purposes of processing Transaction Data.
        
        Data Security Event
    28. If a Data Security Event occurs or if you suspect that a Data Security Event has occurred, you will notify us in writing immediately providing the following details:
      1. your full name, trading name (if any) and the MID(s) alleged to have been breached;
      2. a full description of the actual or suspected Data Security Event;
      3. details of the number of Cardholders affected by the actual or suspected Data Security Event; and
      4. a copy of all correspondence between you and any Card Issuer or Cardholder concerning the actual or suspected Data Security Event.
    29. You will provide us immediately with any additional information which we need in connection with the
      actual or suspected Data Security Event.
    30. You must obtain our consent prior to incurring any expenses of any type for which we may be responsible
      in remedying a Data Security Event (we will give our consent unless there is a good reason not to).
      
      Audit
    31. For the purpose of
      determining compliance, we may conduct audits of your recruitment, inventory,
      solicitation, sales and trading materials, operational controls, established fees
      and adherence to the Standards.
    32. We
      shall give you a minimum of 30 (thirty) days written notice of any exercise of our
      rights under this section “Audit”, except where the
      
      requirements of a regulatory authority do not permit such notice, or we have
      immediate data security, compliance or fraud concerns.
    33. We shall exercise our rights under section “Audit” reasonably and usually no more than once a year unless
      a regulatory authority requires otherwise or there are immediate data security,
      compliance or fraud concerns
    34. Upon our request, you shall:
      1. permit or procure us or our duly authorised representatives to have access to all or
        any of your premises where, or systems on which, your business trades or where
        your records or stock are located, during your Working Hours, to examine all or
        any such premises, systems, records or stock and those of any other business
        which we consider is or may be connected to you;
      2. permit or procure us or our duly authorised representatives to take and
        retain
        copies of all or any such records; and
      3. provide to us or our duly authorised representatives with honest and comprehensive answers
        to any enquiry we may make in relation to you and your business
    35. On our request you shall provide us with your Action plan immediately but no later than 6 (six) Business Days after receipt of our request.
    36. You shall provide us with your Action Plan, if the number of your Chargebacks or fraudulent Transactions
      exceeds at least one of the following parameters:
      1. on the Transactions conducted via the Cards issued under the brand of “MasterCard”, “Maestro”, “Visa” and “Visa Electron” – 50 (fifty) Chargebacks and/or 1%
        (one percent) of the total number of Transactions for the current month;
      2. the amount of fraudulent Transactions conducted via the Cards issued under the brand of “MasterCard” and “Maestro” exceeds 3 000 USD (three thousand US dollars) and/or 3% (three percent) of the total amount of Transactions for the current month;
      3. the amount of fraudulent Transactions conducted via the Cards issued under the brand of
        “Visa” and “Visa Electron” exceeds 25 000 USD (twenty five thousand US dollars) and/or 1% (one percent) of the total amount of
        Transactions for the current month;
        
        Cooperation with the Card Schemes
    37. You undertake to
      cooperate fully with the Card Schemes in any investigation, inspection, audit,
      review that aims to ensure that you are complying with the Card Scheme Standards and
      operating in a safe and sound manner, which includes providing access to the premises and to
      all pertinent records, including financial reports, and promptly supply them with all
      information and materials needed upon request within the stipulated timeframe.
FINANCIA CONDITIONS
Fees and other charges
1. As consideration for the
  Services provided, you agree to pay us the applicable fees set forth in Pricing Schedule, or as otherwise
  provided by us along with the Agreement, or, if applicable, upon receipt of an invoice from us.
2. All fees payable to us under the
  Agreement are immediately due and payable on provision of the relevant Service. Our fees are
  non-refundable unless otherwise explicitly agreed.
3. Fees are quoted exclusive of
  Value Added Tax (VAT) or TFS (Tax on Financial Services) when applicable. We will charge VAT/TFS or
  comparable sales taxes in addition to the fees set forth in the Pricing Schedule if the services,
  provided by us become subject to VAT/TFS or comparable sales taxes or where Regulatory Requirements
  require so. Where required, we will provide you with information on the net amount, the amount of
  tax and the tax rate applied.
4. Where possible, all fees due
  will be deducted from the available balance (other than one containing client monies) or from any sums
  payable to the Merchant in order to settle the obligations of the Merchant to us.
5. In case we are unable to deduct the Fees due, we will issue an invoice for the amount owed.
6. All fees owed by you to third parties, are your sole responsibility and are not covered by the Agreement.
7. If you do not pay us the due amounts in the abovementioned timeframe, we may charge default interest from the due date for
  payment at an annual rate of 8% above the base lending rate in Slovenia from time to time accruing
  at a daily rate until payment is made in full.
8. For Merchants operating under
  the Interchange ++ Pricing Model the Interchange and the Card Scheme Fees are applied on pass-through
  basis per transactions, meaning that they are not retained by Paywiser but are passed to the Issuer
  and the Card Schemes. The Interchange rates are set by the Card Schemes and are publicly available
  on the official website of each Card Scheme. The Card Scheme
  
  fees are applied by Visa and MasterCard for each transaction depending on the card brand, type, origin and type of
  transaction. The Card Scheme fees may be amended from time to time based on any fee updates from
  Visa and MasterCard. You agree to pay the exact amount of the Interchange and the Card Scheme Fees that has been charged.
9. For merchant operating under
  Blended Pricing, a fixed percentage of the transaction amount values is applied per every
  transaction. When Blended Pricing is agreed between you and the Paywiser, the Blended fee percentage
  is calculated by Paywiser based on the Traffic characteristics provided by the Merchant and
  documented when concluding the agreement and is set in the Pricing Schedule. If the actual Traffic
  differs materially from the figures provided by the Merchant, Paywiser has the right to
  proportionally adjust the Blended Fee percentage, based on the actual Traffic characteristics.
10. A currency conversion fee may
  apply whenever we perform a currency conversion. If the Merchant needs to convert currency in order
  to perform an action under this Agreement, the Merchant shall apply the rate of the Partner Bank
  and/or us at the moment of converting.
11. If for any reason the Agreement
  is terminated before the expiry of six months of the Effective Date, you shall pay to us, upon the date
  of the termination, an early termination fee in the amount of EUR 200,00. However, we will not
  charge you for the termination after the expiry of 6 months of the entering into the Agreement.
12. We will not charge you for
  providing or making available information which is statutory required to be provided or made
  available. We may charge you for any information which is provided at your request where such
  information is: (i) additional to the information statutory required to be provided or made
  available to you; (ii) provided more frequently than is specified in the Agreement; or (iii)
  provided on paper. In all cases, any charges imposed for provision of information will reasonably
  correspond to our actual costs for its provision.
13. You agree to repay us the full amount of any:
  1. Chargeback;
  2. Refund issued (if not already deducted from sums paid by us to you);
  3. payments made by us in respect of individual Transaction Data;
  4. fees, fines or other charges payable by us or our Third-Party Service Provider(s) to a Card Scheme or any other
    person as a result of the ratio of your Chargeback to Transactions exceeding the industry
    average (as determined by the Card Schemes from time to time);
  5. all costs, charges and/or expenses imposed on us and/or the Partner Bank by any International Payment System in
    relation to the E-Merchant business’ activities, any breach of the Rules of the
    International Payment Systems or any actions or inactions of the Merchant in breach of
    applicable laws and/or regulations;
  6. other fees, fines, losses or other charges payable by us or our Third-Party Service Provider(s) to a Card Scheme (such
    as registration fees, non-compliance assessment, etc.) or any other person (such as
    disputes, lawsuits, non-fulfilment of your obligations etc.) in connection with this
    Agreement.
14. In addition, we may charge you administration fee as a percentage over the amount of the incurred Financial Liabilities. You shall
  pay all costs of any audit or audits, conducted under the Agreement.
  
  Security
  
  General provisions
15. We may establish a Security in relation to you and your processing for the purpose of providing a
  source of funds to pay us for any and all, actual and reasonably anticipated Financial Liabilities.
  Such Security will be agreed in Pricing Schedule and held in a manner to be readily identified by
  you and controlled by us.
16. The Security may include: (i)
  establishment of a Rolling Reserve; (ii) provision of guarantee in our favour; (iii) other Security
  agreed between the parties.
17. When determining
  the Security and its amount we may take into account our risk assessment, including your overall
  financial standing.
18. You will undertake, at your own expense, any further action (including executing any necessary documents and registering any form of
  documents) necessary to establish such Security as is reasonably required.
19. The Security will remain in place
  regardless of any termination of the Agreement for as long as there are residual or contingent Financial Liabilities.
20. We may at any time by notice require you to give Security or to enlarge the provided Security, in a form we will determine, in
  respect of all sums due at any time under the Agreement or any loss or damage that we may suffer
  under the Agreement (including any future Chargeback risk). You must comply with our request within
  the timescale specified in the notice.
21. We will have the right, at any
  time without notice, to offset any Financial Liabilities from the available Security provided to us
  or held by us in respect of any liabilities of yours.
22. We may set off, against any sums
  due from us (whether or not in connection with the Agreement) to you, any sums owed by you to us or
  which in our reasonable opinion are likely to fall due but remain unpaid by you.
23. If the obligations of the
  Parties under this Agreement are expressed in different currencies, we may convert either obligation for the purpose of any set-off and/or deduction.
24. For as long as the Merchant has
  unfulfilled obligations to us, the Merchant shall not be permitted to pledge, charge, mortgage,
  assign, transfer, encumber or otherwise create security over monies in any account of the Merchant with us.
25. Where you incur a negative
  balance, meaning that your Financial Liabilities exceed the Security, you will be obliged to pay us
  immediately upon our request or demand for such payment. Failure to do so is a breach of the Agreement.
26. We may at any time send
  reminders or take debt collection measures including, but not limited to, mandating a debt collecting agency or solicitors to pursue the claim in court.
27. We will charge you the expenses. reasonably incurred in connection with any debt collection or enforcement efforts.
  
  Rolling Reserve
28. The amount of the Rolling Reserve will be determined either as:
  (i) Up-Front Reserve – as an absolute amount; and/or
  (ii) Rolling Reserve – as a percentage of proceeds of Transactions, net of any amounts due to us.
29. The Reserve will be determined by us from time to time at our sole discretion.
30. Where a Reserve has not been established at the Effective Date, we will notify you of the imposition of a Reserve,
  its method of calculation, its amount as well as any increase or reduction of the Reserve without undue delay in writing at any time during the term of the Agreement.
  
  Guarantee
31. We may require the Security to be in the form of a guarantee in which case you will, upon request,
  procure such guarantee in our favour. The guarantee must be acceptable for us with regards to its
  issuer (Merchant`s owner(s) or affiliate(s), bank or other credit institution), form and amount.
  
  Settlement
32. We undertake to make settlements with you only in the currency which is set forth in the Pricing Schedule unless expressly otherwise agreed in writing.
33. The positive net balance between the Pay-in Transactions and the Pay-out Transactions will be settled to you and we shall initiate or procure the initiation of each payment by bank transfer to your Payment Account.
34. You undertake to open and maintain in your name a Payment Account throughout the term of the Agreement and for such period as may be required thereafter.
35. You need to provide us with the full and correct details of your Payment Account.
36. I. f you change your Payment Account:
  1. by changing the financial institution or its branch – you must notify us in writing immediately and must forthwith irrevocably authorise payments to be transferred to the new Payment Account;
  2. with new one, that is held by another entity – then our pre-approval is required.
37. We will not be in default of our settlement obligations if our payment instructions, as specified by you, are not honoured by the financial institution(s) of which the settlement depends.
38. The parties will consider that we
  have acted with the due care if the payment instructions, as specified by you are promptly entered
  in the online platform of the financial institutions that serves Paywiser. If the payment
  instructions are not honoured, you undertake to provide us with new Payment Account, and we will at
  no time be liable to find an alternative solution for settling.
39. We are responsible for providing
  settlement of funds directly to your Payment Account. That is why we request the Payment Account to
  be held in your name. Any payment at your instruction to the Payment Account held in the name other
  than yours will constitute proper receipt of the funds by you of the sum due in relation to our
  liability under the Agreement.
40. The settlement period is agreed in Pricing Schedule. Settlement period canbe weekly, bi-weekly or monthly (recommended).
41. We may defer any payment if the amount due is less than the minimum payment threshold, which is 100,00 EUR. The payment will be deferred to the month, in which the threshold has been reached.
42. We, as well, may defer any payment due to the reason listed in section “Suspension of Services”.
43. You acknowledge that by paying the due sum to the designated Payment Account we duly perform our contractual undertakings under the
  Agreement and our liability for payment of this particular sum will be extinguished, discharged or
  reduced. If such payment is performed, you will lose your right to seek further monetary or other
  relief from us. This is without prejudice to the Limitation of liability clause.
44. We will submit a Settlement Statement to you, which will contain information on the amount paid and provide a specification of
  the invoice summary and transactions encompassed by the settlement.
  
  Statements, invoices and reports
45. We will prepare in .pdf format and send to you via e-mail a Settlement Statement on your activities in the relevant settlement period
  (hereinafter the “Settlement Statement”) generally in 3 Business days after the end of the
  settlement period. The Settlement Statement contains financial information that reflects your
  activity during the reporting period such as transactions Authorisation, Chargebacks,
  representments, Refunds, fees, release of Rolling Reserve, etc. You should keep a copy of the
  Settlement Statements for your records and future reference.
46. After the settlement was made, you must promptly examine the received Settlement Statement and immediately notify us in writing of any
  inaccuracies and inconsistencies in this document, but not later than 5 (five) days after the
  receipt of the Settlement Statement.
47. The notification under the
  previous article should be made in writing so that the details of the notification are clear and
  complete. The notification must include at least: (i) any unique identifying number, (ii) the
  amount of the asserted error (expressed in EUR or other applicable currency), (iii), a
  description of the asserted error; and (iv) an explanation of why you believe an error exists
  and the cause of it, if known. The notification should be addressed to [email protected]
48. You will be deemed to have accepted and confirmed the Settlement Statement if you do not notify us about any inaccuracies and
  inconsistencies within the agreed 5 (five) days term.
49. Any delay or failure to exercise your right to notification against the Settlement Statement, will constitute and be considered as a
  waiver of your rights of claim which arise out of, or relate to, the inaccuracies and
  inconsistencies in the Settlement Statement and preclude these rights further exercise.
50. Paywiser provides electronic
  invoices as standard. Printed invoices or statements can be requested (additional costs may be charged by Paywiser).
51. If the Merchant selects weekly
  or biweekly Settlement period, additional costs may be charged by Paywiser.
  
  Pricing
52. Paywiser shall be unilaterally entitled to raise the prices for its Services, with 3 (three) months prior notice. Said price increases shall only become effective for the Services rendered by Paywiser
  starting at the end of the notice period. The Merchant may, however, during the 3 (three) months notice period, cancel the Merchant Agreement with Paywiser for which the price
  increase is applicable by providing written notice to Paywiser per the end of the three month notice
  period.
53. For the avoidance of doubt, this clause does not apply to any communicated increase of fees charged by the Partner Banks or Scheme
  Owners for the use of their payment methods where such fees are not included in the fees charged by
  Paywiser (e.g. in case the Interchange Fee is increased by the relevant Scheme Owner or Partner Bank
  where an Interchange Plus pricing is agreed to apply) or due to changes in applicable laws.
  
  Inflation
54. Paywiser shall be entitled to change its prices to adjust for inflation with as maximum last year’s published Inflation. Said price change may be applied by Paywiser only once annually and will be announced at least one month in advance.
  
  Safeguards of your funds
55. We safeguard your funds by applying the segregation method. These included:
  1. keeping your funds separate in our books/records – from the moment the funds are received;
  2. depositing them in
    safeguarding account(s), opened with authorised credit institution, separate from our own
    accounts. In case of insolvency of Paywiser your claims as a customer shall be paid from the
    asset pool formed from the funds in the safeguarding accounts. Only costs in respect of the
    costs of distributing the asset pool will be paid with priory to the customers claims.
LIABILITY
1. Each Party’s liability to the other for fraud or for death or personal injury resulting from its negligence shall be unlimited.
2. Subject to Clause 9.1., the Service Provider’s aggregate liability to the Merchant under this Agreement shall be limited to
  all events occurring in any given year (which for these purposes means each period of a year
  starting with the Agreement commencement date and each succeeding anniversary of the commencement
  date), to an aggregate amount equal to the fees paid to the Company by the Service Provider during
  the said year (minus any costs, e.g. fees of the International Payment Systems).
  
  Our liability
3. We are liable to you for any losses directly caused by our negligence, our wilful default or our fraud.
4. We shall not be liable to the Merchant for any loss or damage to the extent that the Merchant contributed to that loss or damage
  by any action or omission (whether negligent or not) and the liability of the Merchant in that
  instance shall be determined in accordance with the principles of contributing negligence.
5. In no event shall our liability (including liability for negligence) arising out of the Agreement exceed the aggregate amount equal
  to the fees you paid to us under this Agreement during the six (6) month period immediately
  preceding the event which gave rise to the claim for damages (minus any costs).
6. Nothing in the Agreement will exclude or limit any duty or liability that:
  1. we may have to you under Regulatory Requirements; or
  2. Regulatory Requirements do not allow to be excluded or limited.
7. We are not liable (including for negligence) for:
  1. for any losses due unavailability of our Service arising out of any action or omission of third parties, our
    liability in such instance shall be limited to using reasonable care in the selection,
    appointment and instruction of such third parties (but not of any third party such provider may use); or
  2. for any losses due to settlement delays caused by third parties; or
  3. for any losses arising out of any cause beyond our reasonable control and the effect of which is beyond our reasonable control to avoid; or for
  4. any loss or damage of a type which was not reasonably foreseeable when this Agreement was concluded whether or not
    the possibility of that type of loss or damage was subsequently advised to or otherwise
    became known, or should have become known, to us after the date of this Agreement
  5. any losses that we could not reasonably have anticipated when you gave us an instruction; or
  6. if technical infrastructure which we or/and the Merchant uses is not functioning properly if such failure or disruption
    is due to abnormal and unforeseen circumstances beyond the Partner Bank’s or our control;
  7. loss of or corruption of data or information;
  8. costs relating to wasted managerial, operational or other time;
  9. loss of business, of production, of goodwill, of reputation, of opportunity, of bargain, of profit, of revenue, of anticipated savings or loss of margin;
  10. for any indirect or consequential loss or damage which may arise from or in connection with our performance, purported performance or failure to perform our obligations under this Agreement;
  11. costs of procurement of substitute products and/or services,
  12. claims made against you by third parties;
  13. any indirect, incidental, consequential, punitive or special damages arising out of the Agreement.
8. We are not liable to you if we fail to take any action which in our opinion would breach any Regulatory Requirement or Standards.
  To the extent there is any conflict between the Agreement and our duties under any Regulatory
  Requirement or Standards, we will act in a way we reasonably consider necessary to comply with such
  Regulatory Requirement or Standards. We will not be treated as having breached the Agreement as a
  result.
9. We will not be liable to the Merchant if we or Partner Bank execute a payment transaction in accordance with a unique identifier
  provided by the payer, but where the unique identifier provided was incorrect. Such transactions
  shall be deemed to be correctly executed by us or Partner Bank and shall not be construed as
  unexecuted or incorrectly executed payment transactions for which we or Partner Bank may have
  liability. However, we will make reasonable efforts to recover the funds involved in the payment
  transaction and the Merchant agrees that we may charge the Merchant for its actual costs in
  attempting any such recovery.
10. Our liability to the Merchant for any unexecuted or incorrectly executed Transaction, Refunds or any
  unauthorized payment order shall be limited:
  - to the amount of the respective payment transaction plus an amount to restore the Merchant’s payment accounts
    to the state in which they would have been had the defective Transaction or Refunds not
    taken place plus any charges for which the Merchant is responsible and any interest which
    the Merchant must pay as a consequence of the non-execution or defective execution of the Transaction or Refunds; and
  - to those transactions where the Merchant notified us without undue delay on becoming aware of that unauthorized,
    unexecuted or incorrectly executed Transaction or Refunds in any event within thirteen (13)
    months of the date of the payment transaction. That thirteen 13 (thirteen) month period
    shall commence once we have made the Transaction Data and Refund information available to
    the Merchant in accordance with terms of this Agreement and no later than one month from the
    date of the Transaction or Refunds.
11. In addition to this clause, depending on which Services you choose, different liability provisions may apply for particular
  services, as set out in this Agreement.
  
  Merchant’s liability
12. You shall exercise the degree of care and expertise expected of a responsible businessperson and
  shall be liable for and shall indemnify and hold us harmless from and against all expenses, costs,
  claims, obligations or any liability and all other damage or loss arising from any breach by you of
  your obligations under this Agreement and/or of applicable Regulatory Requirements and Standards.
13. You are liable to us at all times for all acts, omissions, Cardholder disputes and other Cardholder customer service-related issues
  caused by you and financially liable to us for each Transaction processed on your behalf and for any disputed Transaction or credit.
14. Nothing in the Agreement will exclude or limit any duty or liability that:
  1. You may have to us under Regulatory Requirements; or
  2. Regulatory Requirements do not allow to be excluded or limited.
    
    Fines scheme owners
15. For violations of certain key requirements under the Scheme Rules by Merchants, some Scheme Owners
  (and in particular the Card Schemes) can levy significant Fines, as published by Card Schemes in
  their standards. The Scheme Owners do this to protect the Customers, Merchants and providers of the
  payment methods collectively against misuse, fraud, illegal activities, breach of applicable laws,
  reputational damage and excessive costs.
16. Where Paywiser becomes aware of
  and/or received any notice of a potential exposure to a fine related to any Merchant behaviour,
  Merchant will on first request provide all reasonable co-operation to help investigate the relevant
  circumstances and remedy the relevant violation, notwithstanding all other rights and remedies of
  Paywiser in such situation as per the Paywiser General Terms.
17. If Fines are applied for Merchant violations, these may be invoiced by the Scheme Owners and/or the relevant Partner Bank to Paywiser
  as their contracting party (for the benefit of the Merchant). Merchant shall fully indemnify and
  hold Paywiser harmless from any fines applied by the Scheme Owners as a result of Merchant’s breach
  of the terms of the Merchant Agreement and/or the Scheme Rules.
INDEMNIFICATION
General provisions
1. The parties agree, that when due, the indemnity shall cover any and all Financial Liabilities incurred by reason of any Action by a third
  party (party other than the Indemnified Party).
2. The party that is obliged to perform the indemnification will be referred to as Indemnifying Party and the party (its employees and
  Directors included) that is entitled to the indemnification will be referred to as Indemnified Party.
3. Merchant undertakes to:
  1. use reasonable efforts to notify Paywiser of such Action by a third party as early as possible and in writing;
  2. use reasonable efforts to mitigate the loss or amount of the Financial Liabilities;
  3. refrain from admitting any liability or settling any claim without the prior written consent of Paywiser;
  4. provide, at its own cost, reasonable cooperation in the defence or settlement of such claim
4. If a Merchant comprises of more than one person then the liability of such persons will be joint and several.
  
  Special provisions
5. Merchant shall indemnify and hold harmless Paywiser for and against any and all Financial Liabilities incurred by reason of any Action by a third party resulting from:
  1. an actual or alleged infringement of any third party Intellectual Property rights in connection with materials provided by the Indemnifying Party;
  2. any breach of representations and warranties provided under the Agreement.
6. Merchant shall indemnify Paywiser and hold us harmless against any and all Financial Liabilities which we may suffer or incur as a result of, directly or indirectly:
  1. your actions or omissions;
  2. actions or omissions by any person or entity acting on your behalf;
  3. any Action against us by third party provider(s) resulting from your use of their services;
  4. any Transactions between you and any Cardholder;
  5. any Data Security Event.
PERSONAL DATA PROCESSING

General provisions
1. 1. Having regard to the specific
    nature of Paywiser’s business activity, we are managing Personal Data as a result of the
    provision of our Services, obligations under the Regulatory Requirements (including AML/CTF
    regulations, Slovene Data Protection Act and Regulation (EU) 2016/679 of the European
    Parliament; GDPR) and Card Schemes Standards.
  2. Both parties are obliged to protect all data they receive and to act in compliance with beforementioned legislation.
    Within the context of providing Services to you, we agree to abide by the provisions of the
    respectively applicable data protection legislation. You shall ensure your contractual and
    legal obligations relating to data protection are met.
  3. You shall ensure your contractual and legal obligations relating to data protection are met. You affirm that you
    are now and will continue to be compliant with all applicable laws governing the privacy,
    protection, and your use of data that you provide to us or access through your use of the
    Services and will provide evidence of your compliance to us upon our request. If you do not
    provide evidence of such compliance to our satisfaction, we may suspend out business
    relationship or terminate this Agreement.
  4. You also affirm that you have obtained all necessary rights and consents under applicable laws to disclose to us – or
    allow Paywiser to collect, use, retain, and disclose – any Personal Data that you provide to us or
    authorise us to collect, including data that we may collect directly from Customers using
    cookies or other similar means, and will provide evidence of your compliance to us upon our
    request. If you do not provide evidence of such compliance to our satisfaction, we may suspend
    your account or terminate this Agreement.
  5. For the purposes of defining data protection obligations of the Parties arising out of this Agreement, the Parties
    recognise that in relation to any Personal Data kept and processed pursuant to this Agreement, Merchant
    shall be deemed as data controller and Paywiser shall be deemed as the data processor in
    relation to Personal Data processed on your behalf under this Agreement, except that
    Paywiser will be a data controller in relation to Personal Data where we determine the purposes and
    manner in which the Personal Data is processed (including, for example, in complying with any
    regulations or laws imposed upon us through Standards or by payment method providers or
    payment method acquirers).
  6. In accordance with personal
    data protection legislation, the Parties are obliged to enter into a Data Processing
    Agreement (DPA) which shall cover processing of Personal Data in relation to the Services under this
    Agreement, where Paywiser process Personal Data as a processor. Data Protection Agreement is
    annexed to and forms an integral part of this Agreement (“Data Processing
    Agreement”-Appendix). In the event that you do not sign such agreement with us, our cooperation as set out in
    these General Terms will not be possible.
  7. You are solely responsible for disclosing to Customers and to inform them that:
    1. Paywiser processes Transactions (including payment Transactions) for you and may receive Personal Data from you;
    2. Paywiser processes customer Personal Data within the framework of the performance of its Services;
    3. Paywiser is granted with the Electronic Money Institution License (EMI) from the Bank of Slovenia and that in the scope of its Services Paywiser can engage also other service providers and partners, to whom it may transfer also Customer’s (Data Subject’s) Personal Data, all in compliance with the GDPR and other applicable legislation;
    4. when required by the law or Standards and requested to do so by the Customer, Paywiser may delete or disconnect Customer Personal Data from the Dashboard Account;
    5. that payment data of Customers may be transferred, processed and stored outside Slovenia and EEA and may be
      subject to disclosures as required by applicable legislation and it is your obligation to obtain from your Customers necessary consents;
    6. in case of the data breach caused by an unauthorised acquisition, disclosure or loss of Customer’s Personal Data, as well as about
      
      potential security measures to mitigate negative impact on the Customer;
    7. about their data subject rights as described in Articles 12 to 22 of the GDPR, such as receiving
      information about processing of their Personal Data, request to access, correction,
      deletion or portability of their Personal Data and objection to processing including
      objecting to processing for direct marketing purposes, which includes profiling to
      the extent that it is related to such direct marketing.
  8. You will protect all data you
    receive through the Services, and you may not disclose or distribute any such data, and you
    will only use such data in conjunction with the Services and as permitted by this Agreement or by
    other agreements between you and us. Neither party may use any Personal Data to market to
    Customers unless it has received the express consent from a specific Customer to do so. You
    may not disclose Payment Data to others except in connection with processing transactions
    requested by Customers and consistent with applicable laws and Standards.
  9. We will maintain
    commercially reasonable administrative, technical, and physical procedures to protect user data and
    Personal Data stored in our servers from unauthorised access, accidental loss, modification, or breach,
    and we will comply with applicable laws and Standards when we handle user and Personal Data.
    However, no security system is impenetrable and we cannot guarantee that unauthorised
    parties will never be able to defeat our security measures or misuse any data in our possession. You
    provide user data and Personal Data to Paywiser with the understanding that any security
    measures we provide may not be appropriate or adequate for your business, and you agree to
    implement proper security controls.
  10. For the purpose of handling
    of data subjects requests regarding Personal Data processing we have designated a data
    protection officer (DPO). The latter should be addressed to [email protected]
  11. We have described all our Personal
    Data processing activities (according to the Article 12 of GDPR) in a form of the
    Privacy Policy that is published on www.paywiser.com.
COMMUNICATION
Language
1. 1. The Agreement is supplied in English, and all communication between you and us will be in
    English, unless otherwise agreed by both Parties.
  2. If we provide you with a
    translation of the Agreement or any communication for convenience, the English language
    version
    will be the only legally binding version and will prevail in case of any inconsistency.
    
    Communication delivered to you
  3. You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, “Communications”) that we provide in connection with your use of our Services.
  4. We will provide these Communications to you:
    1. by posting them on our website, if they are intended to all our clients; or by emailing them to you at the email address listed by you in Initial Merchant Questionnaire, if they are intended only for you.
  5. If you withdraw your consent to receive Communications electronically, we may either terminate your Agreement or charge you additional fees for paper copies.
  6. If, after you consent to receive Communications electronically, you would like a paper copy of a Communication we previously
    sent you, you may request a copy within 180 days of the date we provided the Communication to you by contacting us as described above.
  7. You can request an Agreement and general information about the Agreement on a paper copy or on another sustainable data
    carrier at any time by email.
  8. We will send your paper copy to you by postal mail. In order for us to send you paper copies, you must have current postal address.
    
    Contact details
  9. The address to which we will send any electronic correspondence is the email address of the person you designated as
    contact person in the Initial Merchant Questionnaire. For any correspondence that needs to be provided
    on paper your registered office address will be used as postal address. You can update your
    email address or provide other address as postal address at any time by informing your account manager.
  10. It is your responsibility to keep your email and postal address up to date so that we can communicate with you.
  11. You understand and agree that if we send you an electronic Communication, but you do not receive it because your email
    address on file is incorrect, out of date, blocked by your Third-Party Service Provider(s), or you
    are otherwise unable to receive electronic Communications, we will be deemed to have provided
    the Communication to you.
  12. Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address
    book, you must add us to your email address book so that you will be able to receive the Communications we send to you.
    
    Technical requirement
  13. In order to access and retain electronic Communications, you will need:
    1. a computer with an Internet connection;
    2. sufficient storage space to save past Communications or an installed printer to print them;
    3. a valid email address (your email address);
    4. a current web browser with cookies enabled.
      
      Communication delivered to us
  14. Communications to us made in connection with the Agreement must be sent:
    1. via e-mail [email protected] or to the e-mail address of your account manager;
    2. by postal mail to Bravničarjeva ulica 13, 1000 Ljubljana – in all cases when hardcopies of documents are required.
  15. You can also use our contact form provided in https://paywiser.com/contacts/
REPRESENTATIONS AND WARRANTIESMutual representations and warranties
1. 1. Each Party represents and warrants to the other Party that:
    1. it is duly organised, validly existing and in good standing under the laws of its country of incorporation;
    2. it has and will maintain all required rights, powers and authorisations to enter into the Agreement and to fulfil its obligations;
    3. to the best of it´s knowledge there are no legal actions or regulatory investigations pending or threatened
      against its company that might affect its ability to perform its obligations under the Agreement;
    4. it will perform its obligations with reasonable skill and care;
    5. it has in place and will maintain adequate facilities to comply with its obligations under the applicable Regulatory Requirements, Standards and the Agreement, including data protection and confidentiality obligations;
    6. it owns or has the right to use and sub-licence any Intellectual Property which it uses or licences for use to the other party.
      
      Our representations and warranties
  2. Except as specifically
    provided by the Agreement, we make no other warranty, guarantee or undertaking, express or
    implied, regarding the performance of the Services, and nothing contained in the Agreement
    will constitute such a warranty.
  3. You expressly agree and
    acknowledge that all other conditions, terms, undertakings and warranties, express or
    implied, or statutory in respect of the services (including but not limited to quality, performance,
    suitability or fitness for a particular purpose) are hereby executed to the maximum extent
    permitted by the Regulatory Requirements.
  4. We do not make or give,
    and hereby expressly disclaim, all warranties, representations, or conditions of
    merchantability, merchantable quality, or fitness for any purpose, particular, specific, or otherwise, or any
    warranty of title or non-infringement, for any of the products, processing, services,
    specifications, software, hardware, or firmware created or supplied by us, or referenced in
    the Agreement.
    
    Your representations and warranties
  5. You represent and warrant that you will:
    1. maintain your legal entity active and solvent within the duration of the Agreement and at least 6 (six) months after its termination;
    2. have at all times all required licences and authorisations in place to engage in the advertising and conduct of your business;
    3. have and maintain at least 1 (one) director;
    4. have and maintain at least 1 (one) director who is domiciled in the place of your incorporation and registered address;
    5. operate your business in compliance with the applicable Regulatory Requirements and Standards, including:
      1. use the Services to process only Transactions that are legal, valid, genuine (non-fraudulent)
        and duly authorised by your Customers;
      2. use the Services to receive payments for products and/or services offered by you and not by third parties;
      3. use the Services to receive only the total sale price of the products and/or services offered
        by you and not to collect from your Customers any fines, penalties, damages, non-disclosed fees, charges, etc.;
      4. not use the Services to provide your Customers with cash, travellers` checks, cash equivalents, or other negotiable instruments;
      5. not be engaged in sale or exchange of information (Account Data, Transaction Data, Personal Data).
  6. You represent and warrant that:
    1. carrying out the terms of the Agreement will not cause you to break any other enforceable agreements which you are a party to;
    2. all information provided in connection with the Agreement is true, accurate and complete.
CHANGES
1. You are responsible for keeping up to date with the notices and news on our website.
2. The Merchant undertakes to inform
  us in writing immediately, but not later than within 3 (three) Business Days, of all changes in the
  information specified in this Agreement, its appendices, documents submitted to us (e.g., changes in
  personal or contact details, residency or tax residency, loss or theft or other reason for change of
  an identity document, changes of PCI DSS compliance status, you make an assignment for the benefit
  of creditors, you seek bankruptcy protection or similar protection…) or any other information given
  by the Merchant to us prior to entering this Agreement and also during the validity of the this
  Agreement. This notification obligation applies even if the above changes have been made public
  (e.g., registered in a public register or published through the mass media). If you fail to fulfil
  the notification obligation, we are entitled to assume the correctness of the data at our disposal,
  unless otherwise prescribed in the jurisdiction of your residency.
3. We may update or amend the General Terms at any time for any reason. Any changes will be communicated to you via e-mail sent to your
  e-mail address in reasonable time.
4. Any proposed changes to the existing terms of the General Terms will be communicated to you no later than 2 (two) months before
  the date on which they are to take effect.
5. Changes of the Agreement that do not require prior notice and shall come into effect immediately, if so stated in our change notice to you, are:
  1. changes that make the Agreement more favourable to you or that have no effect on your rights;
  2. changes that are necessary in order for us to comply with Regulatory Requirements or Standards;
  3. changes to our charges;
  4. changes to the currency exchange rates.
  5. changes of the interest rate as defined in clause 8.7, which are based on the change in base lending rate in Slovenia.
6. We may change the Agreement to make it more favourable to you by upgrading or enhancing the Services we provide to you if there are no
  increased costs to you.
7. We may also change any of the other terms of the Agreement, if the change will have no effect on your rights for any of the following reasons:
  1. where we reasonably consider that:
    |(i) the change would make the terms easier to understand or fairer to you; or
    (ii) the change would not be to your disadvantage;
  2. to cover:
    (i) the improvement of any Service or facility we supply;
    (ii) the introduction of a new Service or facility;
    (iii) the replacement of an existing Service or facility with a new one; or
    (iv) the withdrawal of a Service or facility which has become obsolete, or has not been used by you at any time;
  3. to enable us to make reasonable changes to the way we provide services as a result of changes in: (i) the
    banking, investment or financial system; (ii) technology; or (iii) the systems we use to run
    our business; or
8. We may change our charges or introduce a new charge:
  1. if we provide new service or facility in connection with Services;
  2. if there is a change in (or we reasonably expect that there will be a change in): (i) the costs we incur in carrying out
    the activity for which the charge is or will be made; (ii) the Card Schemes fees, charges,
    assessments and the like or (iii) Regulatory Requirements;
  3. for other valid reasons which are not set out in this clause.
9. Any change or new charge will be a fair proportion, as reasonably estimated by us, of the impact of the underlying change on the costs
  we incur by providing you Service(s). The exchange rate used to convert foreign currency payments
  will be:
  1. any fixed rate we have agreed with you; or
  2. (if no fixed rate is agreed) the exchange rate that we have informed you about.
10. No provision of the Agreement will be deemed waived, altered, modified or amended unless:
  1. the Agreement provides otherwise; or
  2. we otherwise agree with you in writing.
11. The up-to-date version of these General Terms will always be available to you upon request either in paper form or on any other permanent media.
12. The Agreement is not effective and may not be modified in any respect without Paywiser’s express written consent.
13. If the Merchant does not agree with the changes to the General Terms and/or the Annexes, it may withdraw from the Agreement without
  any period of notice and without payment of any compensation. The withdrawal shall be made by the
  Merchant no later than the day before the date on which the changes come into force.
  
  If the Merchant does not notify Paywiser within this period that they do not agree to the changes, the Merchant
  shall be deemed to have accepted the changes. In the event that the Merchant refuses the proposed
  amendments and does not terminate the Agreement, the Agreement shall be deemed to have been
  terminated on the expiry of the last day before the amendments come into force.
TERMS, SUSPENSION AND TERMINATIONTerm
1. The Agreement is effective as of the date on which it is confirmed by the duly authorised representatives of both parties in
  AdobeSign (hereinafter referred to as “Effective Date”) unless otherwise agreed. Upon conclusion,
  the parties shall receive the mutually confirmed Agreement by e-mail. To approve an AdobeSign
  Contract, the Merchant will be provided with the AdobeSign User Guide.
2. The Agreement enters into force on the Effective Date and will remain in force until terminated by either Party as specified in this
  General Terms.
3. Each Party confirms that it has obtained all necessary authorisations permitting it to sign and execute this Agreement and that it
  is not bound by any previous agreements that would prohibit the execution of this Agreement.
4. The Merchant may terminate the Agreement at any time by giving us 1 (one) month written notice.
5. We may unilaterally terminate the Agreement with you at any time for any reason by giving you 2 (two) months written notice.
6. We have the right to suspend or limit the Services under this Agreement and/or to terminate the Agreement with you immediately
  without giving notice if we reasonably believe that you:
  1. fail to comply with
    Regulatory Requirements, applicable laws, technical requirements, Rules of International
    Payment Systems and Standards including its amendments, including you breach or attempt to
    breach, or we reasonably believe that you have breached or are attempting to breach any
    provisions set forth in the Standards regarding:
    1. fraud thresholds;
    2. Chargeback thresholds;
    3. deposition of illegal or prohibited transactions;
    4. participation in
      fraudulent activities or other prohibited activities, such as money laundering or
      financing terrorism;
    5. participation in
      any
      other activities that may result in undue economic hardship or damage to the
      goodwill of the Payment System(s);
    6. fail to provide us the Action plan as described in Clause 7.45. and 7.46.;
    7. fail to validate your compliance with PCI DSS.
  2. have breached any terms of the Agreement;
  3. are affected by any changes to: (i) your business, including any change of control or constitution; (ii)
    business model; (iii) the products and/or services you provide; (iv) your Payment Account,
    including when it ceases to be acceptable to the financial institutions we work with; (v)
    Regulatory Requirements or Standards which you are subject to, including but not limited to,
    changes to or the revocation of the licences required for your business; (vi) your credit
    and/or financial standing, including your insolvency, liquidation, winding up, bankruptcy,
    administration, receivership or dissolution, or where we reasonably consider that there is a
    threat of the same in relation to you; (vii) where anything occurs which in our opinion
    suggests that you will be unable to provide your products and/or services and/or otherwise
    fulfil the contacts that you have with your Customers or you have with us, such as significant volume drop or cease of processing;
  4. are behaving in a manner that makes it inappropriate for us to provide you the Services, including;
  5. encountered a change in your risk profile in accordance with the Standards or your actions are in any other way non-compliant with our risk policy and internal rules;
  6. fail to comply with a request from us to increase the amount of Rolling Reserve within the timeframe specified by us, acting reasonably;
  7. you will fail to make payments in the ordinary course of business because of your credit and/or financial status
    or other events connected to your financial status that we would consider as threat for non-payment, compliance risks ect.;
  8. there is a considerable worsening of the Merchant`s financial position or in the value of any security provided by
    the Merchant, or there is a threat of such worsening which calls into question the Merchant`s ability to satisfy its obligations under this Agreement;
  9. you fail, within any period of time set by us, acting reasonably, to remedy any period of non-compliance with
    this Agreement and/or any Merchant Acquiring Agreement and/or any Tripartite Agreement;
  10. for security reasons – when we believe it is necessary or desirable to protect the security of Account Data,
    Transaction Data, Personal Data or your Dashboard Account including (but not limited to)
    when we suspect that there has been a systemic loss, theft, misappropriation or unauthorised
    use of Gateway PINs;
  11. In the event that we find
    that the Merchant is engaged in any of the activities listed on our Prohibited risk
    businesses list: (i) unofficial charity, (ii) cryptocurrency mining, (iii) political
    organizations, (iv) pornography, (v) prescription drugs, (vi) religious organizations, (vii)
    replicas, (viii) arms trade and defence, (ix) MLM (attracting new members basis).
  12. we are otherwise entitled to do so under this Agreement.
7. We may unilaterally terminate
  the Agreement with you immediately and without giving notice if we are required to do so in order to
  comply with changes in the Regulatory Requirements or when we are required to do so by, our Partner
  Bank or instruction from a competent regulatory body.
8. We shall have absolute discretion following a suspension as to when and if we will resume Services, taking into account the available information and recommendations.
  
  Termination upon Card Scheme`s request
9. Upon Card Scheme`s request, immediately and without giving you any notice, the Agreement with you will be terminated for
  activity performed by you that may result in undue economic hardship or damage of the goodwill of
  the Payment Systems.
  
  Consequences of the termination
10. When the Agreement terminates, you will:
  1. cease using our Services;
  2. cease all use of the Card Schemes` systems;
  3. cease any use or display our mark and the marks of the Card Schemes;
  4. continue to be responsible for any financial or other obligations incurred as a result of your actions or omissions
    before the termination of the Agreement;
  5. promptly pay any outstanding and unpaid invoices, if any, due for our Services whether the invoice was submitted before
    or after the termination of the Agreement;
  6. not be entitled to a refund of any fees and/or charges previously paid to us except for the fees and charges paid before
    the termination of the Agreement for the Services not yet executed (fees will be
    refunded/charged proportionally);
  7. continue to comply with all confidentiality provisions as specified in the Agreement.
11. In case of termination due to
  bankruptcy, insolvency, or other suspension of business operations, you undertake not to sell,
  transfer, or disclose any materials that contain Sensitive Payment Data to any other entity. You
  must return this information to us or provide acceptable proof of secure destruction of this
  information immediately after termination.
12. Termination of this Agreement
  leads to termination of the Card Payment Services Agreement. If the Agreement is terminated before
  the expiration of the term of the Card Payment Services Agreement, the implications arising out of
  the surrender start to occur, including you will be liable to pay all charges set out in it.
13. If the Agreement is terminated by us, we may notify the Card Schemes and/or credit references agencies of the termination and the
  reasons for such termination.
14. If the Agreement is terminated by us or upon Card Scheme`s request, you may be listed on Visa Merchant Alert Service (VMAS) and/or
  MasterCard Member Alert to Control High-risk Merchants (MATCH).
15. When the Agreement terminates the Parties will return or destroy (at the option and request of the disclosing Party) any Confidential
  Information belonging to the other Party in its possession or control.
16. The termination of the Agreement neither affects the accrued rights, remedies and obligations or liabilities of the Parties existing
  at termination, nor will it affect the continuation in force of any provision of the Agreement that
  is expressly or by implication intended to continue in force after termination.
17. Where fees for the Services are levied on a regular basis, such fees will be apportioned up until the time of the termination of the
  Agreement and any fees paid in advance will be reimbursed proportionally.
18. Upon termination, we will withhold
  up to 100 % of the residual positive net balance for a period of 180 days. This period may be
  extended up to 18 (eighteen) months (540 days) from the date of the last Transaction. Where a
  Guarantee is provided, we may release the residual positive net balance before the expiration of
  this period.
  
  Account freezing
19. We may defer any amount due to you where we reasonably believe that Transactions or related activities may be fraudulent or involve
  other criminal activity until the satisfactory completion of our investigation and/or that of any
  other financial institution, regulatory authority or Card Scheme.
RESOLUTION OF
DISPUTES
1. Any disputes or complaints related to the provision of services in accordance with these General Terms will be
  resolved by the Merchant and Paywiser consensually in accordance with the Rules on the internal
  appeal procedure and out-of-court dispute resolution in force at any time, which the user can view
  on the website banks https://paywiser.com/
2. The user can submit a complaint regarding the Paywiser’s service to us by e-mail, by post on the address PAYWISER d.o.o., OE
  Reklamacije, Bravničarjeva ulica 13, 1000 Ljubljana, Slovenija or in accordance with the applicable
  Rules on the internal appeal procedure and out-of-court dispute resolution.
3. Paywiser must respond to the Merchant’s complaint: in the first instance within 8 days and in the second
  instance within 15 days.
4. Paywiser sends the decision on the
  appeal to the Merchant in writing to the e-mail or by post to the address from which the complaint was sent.
5. If you are dissatisfied with the manner in which your complaint has been handled or you consider that your concerns have not been
  fully addressed, you have the right to refer the matter to an external dispute resolution body or
  alternative ADR dispute resolution procedure (ADR) as described in Rules on the internal appeal
  procedure and out-of-court dispute resolution.
6. The Merchant can also file a complaint to the Bank of Slovenia regarding alleged violations of the Payment Services, Services for
  Issuing Electronic Money and Payment Systems Act.
7. If the Merchant and Paywiser fail to resolve any disputes arising on the basis of these General Terms, the court in the place where
  Paywiser has its registered office shall have the jurisdiction. Notwithstanding the foregoing,
  Paywiser may, at its option, also initiate appropriate legal proceedings before any other court of local jurisdiction.
MISCELLANEOUS
Confidential information
1. In the course of fulfilling their
  obligations under the Agreement, the parties may have access to information that is commercially
  valuable and not generally known and that, if disclosed, could reasonably be expected to affect
  either Party’s business adversely (“Confidential Information”). Confidential Information includes
  all information relating to the Merchant or Paywiser and any other information which is not
  expressly designated as confidential but should reasonably be deemed confidential by reason of its
  nature or content. Each party undertakes to take all necessary steps to protect the confidential
  nature of all Confidential Information of the other party, agreeing, in particular:
  1. to share Confidential
    Information solely with personnel and representatives of the parties which need access to
    such information in order to exercise rights and obligations under the Merchant Agreement; and
  2. to refrain from making any
    Confidential Information available to any third party without the prior written consent of
    the other party except for Paywiser where necessary to perform the Services.
2. The Parties agree to cause their
  Directors, employees and other representatives to hold in strict confidence all Confidential
  Information obtained from each other and/or their Directors, employees, and representatives, and not
  to use, disclose, or permit any third party access to such Confidential Information for any other
  purpose then to fulfil their obligations.
3. Each Party shall treat Confidential Information as strictly confidential and neither Party shall disclose Confidential
  Information without the written consent of the other Party, except as permitted in this Agreement or
  as may be agreed between the Parties from time to time.
4. For the purpose of performance
  of the Agreement or for the recovery of claims arising under the Agreement, Merchant expressly and
  irrevocably authorises Paywiser to make enquiries with the competent persons of the Merchant’s
  registered office, assets and any other information, necessary for the performance of the contract
  and the possible recovery of the debt.
5. Notwithstanding anything in the
  Agreement to the contrary, neither party has any duty of non-disclosure with respect to Confidential Information that:
  1. was in the possession or already known to that Party without an obligation to keep it confidential, before the information was disclosed,
  2. that is publicly available at the time of disclosure or that becomes publicly available after disclosure other than
    through breach of the Agreement or other wrongful act;
  3. is disclosed by either Party with mutual written approval;
  4. is disclosed to either
    Party by a third party who is not in breach of their own obligation of confidentiality;
  5. either Party develops independently other than through breach of the Agreement; or
  6. is required to be disclosed under Regulatory Requirements; further, we may disclose Confidential Information when
    requested by law enforcement, by any court, regulatory authorities or under the Standards;
  7. In order to disclose Transaction Data and information about Refunds and Chargebacks to the Data Centre and/or the International Payment Systems;
  8. if the disclosure is to its professional advisers acting under a duty of confidentiality in relation to that Confidential Information.
6. We and Partner Bank are entitled
  to disclose Confidential Information about the Merchant to the International Payment Systems in
  accordance with the Rules of the International Payment Systems.
7. We will transfer data to any
  entity who you authorise us to share information about the Account with, provided they are listed as
  a suitably authorised entity at the time of your request. We will rely upon your instructions to the
  third party to access account information from us, as evidence of your consent to share your data.
8. This “Confidential information” Clause will survive the termination of the Agreement for whatever reason and will continue for as
  long as the either party remains in possession of Confidential Information.
  
  Publicity
9. During the term of this Agreement you may issue public announcements about us as your Service provider and we may publicly announce
  you as our Merchant. Upon the termination of this Agreement, you and Paywiser will remove any public
  references to this Agreement from our respective websites.
  
  Intellectual property
10. Paywiser exclusively owns all
  intellectual property rights embodied in or in connection with our Services or any documentation
  communicated by us to you, including but not limited to any title, interest in the patents,
  copyrights, trademarks or service marks, logos and designs, moral rights, trade secrets, rights of
  publicity and other (collectively, “Paywiser Intellectual Property”) or any copies thereof. Any
  rights in Paywiser Intellectual Property not expressly granted to you in this Agreement are
  reserved. Any use of Paywiser Intellectual Property is subject to prior written approval by us.
11. Any complaints, comments or
  ideas about possible improvements to our Services, you submitted to us, will be presumed to be a voluntary
  submission, unsolicited by us. We are free to use such information or idea without any attribution
  or compensation to you and we have no fiduciary or any other obligation to you in connection with
  what you have submitted to us.
12. The Merchant agrees that its
  name and standard logo (as published by the Merchant) may be included by Paywiser on the Paywiser client
  list on its website and in its sales materials. Paywiser shall be entitled to use said list freely
  in its commercial efforts. Any other use of Merchant’s name, logo or information shall only occur
  with Merchant’s prior written approval which Merchant may withhold in its discretion.
13. The Merchant may on its website in the section “frequently asked questions”, or in a similar informational section on
  its website, refer to Paywiser as its payment service provider, explaining that this is the reason
  why the name Paywiser may appear on bank statements of the customer. Merchant may also include an internet link to the website of Paywiser in such context.
14. We reserve the right at any time and in our sole discretion to require you to suspend copying, making use of and displaying our Intellectual Property.
  
  No waiver
15. Our failure to insist on you strictly complying with the Agreement or any failure or delay on our part to exercise any right or
  remedy under the Agreement will not amount to a waiver of our rights under the Agreement.
  
  Assignment
16. You may transfer or assign any of your rights or obligations under the Agreement only with our prior written consent. If we consent to
  the assignment, the assignee must agree to accept all of your rights and obligations owed by you
  related to the assignment and shall agree to comply with the terms of this Agreement.
17. We may transfer any of our rights and obligations under the Agreement (including but not limited to activity in technical acceptance
  of the Cards, processing of Transactions, transmission of the Transaction Data, installation and
  servicing of Gateway Software) to another entity without your consent. You agree that you will
  promptly complete all documents that we reasonably require in order to make a transfer effective. We
  may also sub-contract any of our obligations under the Agreement to another person or entity without your prior consent.
18. If we propose to transfer a substantial part of our assets to another company, we may also transfer all of our rights, powers, duties and obligations under or in connection with the Agreement without your consent.
  
  Delegation
19. We may delegate any of our functions and responsibilities under the Agreement to another entity if we reasonably
  believe that such entity can perform those functions and responsibilities in accordance with applicable regulatory requirements and Standards.
  
  Severability
20. Each provision of the Agreement may be considered separately.
21. If any provision of the Agreement or any part thereof becomes illegal, invalid or unenforceable, that provision shall be deemed not to be in the Agreement.
22. The latter shall not affect the legality, validity, enforceability and reasonableness of the remainder of the Agreement, which shall remain in full force and effect.
  
  Third party rights
23. No other person shall have any rights to enforce the conditions of the Agreement under or by virtue of the Contracts (Rights of Third Parties), except for any of our Affiliates.
  
  Relationship of the parties
24. The parties are independent contractors under the Agreement, and nothing herein will be construed to create a partnership, joint
  venture, agency relationship between us, or any other relationship other than described in these Terms. Neither party has authority to enter into agreements of any kind on behalf of the other and neither party will represent that you or we have such an ability.
  
  Tripartite agreement
25. By agreeing to these General Terms you confirm that you understand the nature of Paywiser’s status as Payment Facilitator and our
  Partner Bank and understand that in the event of you reaching one of the following conditions:
  1. Annual Transaction volume exceeds the thresholds set by the relevant International Payment System (USD 1(one) million
    for VISA, USD 1 (one) million for MasterCard) in cases where Paywiser does not act as a Staged Digital Wallet Operator; or
  2. When the Parties make such arrangement,
26. The Merchant will establish a direct contractual relationship with the Partner Bank. The conclusion of new tripartite agreement between
  the Partner Bank, Paywiser and Merchant terminates this Agreement. You shall notify us immediately if circumstances under paragraph (a) of this clause arise.
  
  Force Majeure
27. Neither party shall be liable for delay or failure in the performance of any of its obligations under this Agreement if and to the
  extent such delay or failure is due to circumstances beyond the reasonable control of such party,
  including, but not limited to, epidemic or pandemic, lockdown, non-performance caused by
  telecommunications, our vendors or suppliers, utility failures, fires, floods, explosions,
  accidents, acts of God, war, riot, strike, lockout or other concerted acts of workers, acts of
  government (“Force Majeure Event”); provided, however, that the party claiming that a Force Majeure
  Event:
  1. has affected its performance shall give notice to the other party within three (3) days of becoming aware of
    the occurrence of Force Majeure Event, giving evidence of the existence of that Event of
    Force Majeure and its impact on that Party’s ability to perform.;
  2. could not have avoided the effect of the Force Majeure Event by taking precautions which, having regard to all the
    matters known to it before the Force Majeure Event, it ought reasonably to have taken, but did not;
  3. has used all reasonable endeavours to mitigate the effect of the Force Majeure Event and to carry out its
    obligations under this Agreement in any way that is reasonably practicable and to resume the
    performance of its obligations as soon as reasonably possible.
28. If a Party fails to give timely notice under previous clause, that Party shall be liable to the other Party for any damages caused to the other Party by the absence of, or delay in, the notification.
29. Should economic conditions significantly change as compared with those prevailing at the time of signature of the contract, the
  parties shall negotiate any necessary adaptation of this Agreement taking the given situation into account.
30. The Party whose performance is impeded by an Event of Force Majeure shall be excused from performing to the extent that its
  obligations were directly influenced by the Event of Force Majeure and the other Party shall not be
  obliged to pay for services under this Agreement which are not delivered; all obligations which are
  unaffected by that Event of Force Majeure shall continue to be subject to proper performance in
  accordance with this Agreement.
31. A Party whose performance is impeded by an Event of Force Majeure shall take all reasonable measures to eliminate that Event of Force Majeure and its consequences.
32. If an Event of Force Majeure or its consequences last for more than 20 (twenty) calendar days, the Parties shall cooperate with the aim
  of amending those provisions in this Agreement which were affected by that Event of Force Majeure.
  If such written agreement is not reached within the next following 5 (five) calendar days, any Party
  may give 5 (five) calendar days’ notice in writing to the other unilaterally suspending its
  performance under this Agreement.
  
  Entire agreement
33. The Agreement (including any annexes) and its appendixes constitutes the entire agreement between you and Paywiser in respect of
  its subject matter and supersedes and invalidates all other prior representations, arrangements,
  understandings and agreements relating to the same subject matter.
34. Each party acknowledges that in entering into the Agreement it does not rely on any statement, representation, warranty or
  understanding other than those expressly set out in the Agreement.

These General Terms apply from 9.9.2022.

Paywiser d.o.o.

Bravničarjeva ulica 13

1000 Ljubljana www.paywiser.com [email protected]

FAQ

General

Who is Paywiser?

Paywiser is a payment service provider,
with the help of partner bank with which we can offer you and your customers the option of paying for products and
services through your online store. The onboarding process is safe, fast and easy.

Who is Decta?

Decta is a partner bank in cooperation with Paywiser.

When your customers submits their payment card details,
the partner bank initiates a request to authorize the payment, which goes to the customer’s bank via the networks of
the credit and debit card schemes. When the transaction is authorized, the partner bank retrieves the funds. If it’s
not authorized, the partner bank will inform you why.

This is why merchants work with payment service
providers and the partner bank to process payments for them in exchange for a fee.

Why does Paywiser need my personal information?

Because Paywiser is offering a financial services, it is
legally required to process so called ‘Know Your Customer’ (KYC) information for the verification of its clients
according to applicable laws and regulations of Anti-Money Laundering and Anti-Terrorist Financing Act. That also
includes merchants.

What is KYC/KYB?

Know Your Customer, alternatively known as “Know Your
Client” or simply KYC, is the process of a business verifying the identity of its clients and assessing their
suitability, along with the potential risks of illegal intentions towards the business relationship.

For the purposes of using the Paywiser system, this
process involves providing of several documentation:

scan of a personal document (passport or identity card from both sides), which is clearly visible (clear image), in colour and valid,
proof of Address or “utility bill” (water, electricity, gas, etc.).

The KYC procedure is a prerequisite for us to prepare
for you a correct offer and later a contract. The KYC procedure must be carried out for the directors and
shareholders who owns of at least 10% of the company.

How do I become a Paywiser´s client?

If you want to become our client, you can contact us via email [email protected] or via the website
www.paywiser.com and we will guide you through the whole process.

Which platforms does Paywiser support (Woocommerce, Magento…)?

Currently, we’re supporting the Woocommerce, Magento,
OpenCart and PHP platforms.

Is Paywiser safe? Do you have any certificates?

Paywiser meets the highest standard of security and
stability. We’re a PCI DSS Level 1 Service

Provider, with PCI DSS compliance.

PCI DSS means Payment Card Industry Data Security
Standard (PCI DSS) which sets the standards that we and the merchant have to follow. This helps you protect
cardholder details, reduce fraud, and minimize the chances of a data breach resulting from malicious attacks.
Complying with the requirements helps you maintain your customer’s trust.

I am not satisfied with your services or I need more help, to who can I turn to?

In case you need help or you are not satisfied with our services, please contact us at
[email protected] and we’ll look into your issue immediately. We are
always ready to help our clients to do a better business.

Reports and Pay-outs

What kind of reports are available and where do I find
them?

Paywiser provide merchants with detailed reports
regarding their transactions, traffic and settlements, which are available for export in the Paywiser Payment
Gateway dashboard.

I did not get my pay-out, why?

If the merchant didn’t receive their pay-out to its
expected date, there can be several reasons. This might be related to the partner bank processing time. Banks can
add extra days, including weekends and bank holidays. Once the partner bank has finished processing your pay-out,
they will deposit the funds into merchant’s account automatically.

Transactions

What is a Chargeback?

A chargeback is the return of card
funds used to make a purchase to the buyer. A chargeback can occur if a buyer disputes a purchase made using their
card, claiming that it was fraudulent or made without their knowledge or permission. When a buyer disputes a
purchase, the card company

involved reverses the charge, reimbursing the buyer in
full and debiting the business’ account.

What is 3D Secure?

3D Secure (3DS) is an extra layer of protection and
requires customers to complete an additional verification step with the card issuer when paying. Typically, you
direct the customer to an

authentication page on their bank’s website, and they
must pass a challenge (e.g. confirm in mobile banking App).

The Strong Customer Authentication regulation in Europe
requires the use of 3DS for card payments. 3DS is optional in other regions but you can still use it as a tool to
reduce fraud.

General Terms and Conditions

Paywiser Limited (Company No.: 10677553) is registered in the UK at 36-38 Westbourne Grove Newton Road, London, United Kingdom, W2 5SH and authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 901086).

Please read these Terms and Conditions carefully before using the www.paywiser.com website (“the Website”) owned by Paywiser Limited (“us”, “we”, or “our”). Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Website you agree to be bound by these Terms. If you disagree with any part of the terms you should not use the Website.

Please be informed that the Website contains also product descriptions and information provided by “Paywiser”, company incorporated in United Kingdom, in order to provide the visitors for their own convenience with the most complete information on all the businesses of Paywiser group companies.

GOVERNING LAW

These Terms shall be governed and construed in accordance with the laws of United Kingdom, without regard to its conflict of law provisions.

Paywiser Limited or any other Paywiser group company’s failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Website, and supersede and replace any prior agreements we might have between us regarding the Service.

COPYRIGHTS

You may not reproduce, distribute, modify, or show in public any of the content on this website, including files downloadable from this website, without the permission of the owner.

CHANGES

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will post these changes on the Website. It is your sole responsibility to periodically check the Term for any changes. By continuing to access or use our Website after those changes have been made, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Website.

NO WARRANTY

This website is provided “as is” without any representations or warranties, express or implied. Paywiser Limited or any other Paywiser group company makes no representations or warranties in relation to this website or the information and materials provided on this website.

Whilst Paywiser Limited will try to ensure that the Website is of highest standard, we do not warrant that this website will be constantly available, or available at all or the information on this website is complete, true, accurate or non-misleading.

In no event Paywiser Limited or any other Paywiser group company will be liable for any damages, including, but not limited to direct or indirect damages arising from or in connection with the use of the Website. Nothing on this website constitutes, or is meant to constitute, advice of any kind.

INDEMNITY

You hereby indemnify and undertake to keep Paywiser Limited and any other Paywiser group company indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Paywiser to a third party in settlement of a claim or dispute on the advice of Paywiser’s legal advisers) incurred or suffered by Paywiser or any other Paywiser group company arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

LINKS TO OTHER WEB SITES

Our Service may contain links to third-party web sites or services that are not owned or controlled by Paywiser Limited or any other Paywiser group company. Paywiser Limited or any other Paywiser group company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. You further acknowledge and agree that Paywiser Limited or any other Paywiser group company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any thirdparty web sites or services that you visit.

Last updated: Oct 30, 2021

PAYWISER d.o.o., Bravničarjeva ulica 13, 1000 Ljubljana, matična številka: 8640084000, na podlagi vsakokrat veljavnega Zakona o plačilnih storitvah, storitvah izdajanja elektronskega denarja in plačilnih sistemih (ZPlaSSIED) sprejema naslednji

Pravilnik o internem pritožbenem postopku in izvensodnem reševanju sporov

I. Uvodne določbe

1. člen

S Pravilnikom o internem pritožbenem postopku in izvensodnem reševanju sporov (v nadaljevanju: Pravilnik), PAYWISER d.o.o. določa interni postopek za reševanje pritožb ter shemo izvensodnega reševanja sporov med PAYWISER d.o.o. in pritožnikom, ki je lahko vsaka fizična ali pravna oseba, za katero se domneva, da je upravičena do obravnave pritožbe in je vložila pritožbo.

2. člen

Interni pritožbeni postopek se uporabi, ko pritožnik izrazi nezadovoljstvo zaradi neizpolnjenih pričakovanj v povezavi z družbo PAYWISER d.o.o. S pritožbo pritožnik zahteva odpravo po njegovem mnenju nastalih nepravilnosti in vzpostavitev pravilnega oziroma drugačnega stanja, lahko pa tudi povrnitev neposredno ali posredno nastale škode. Pritožnik lahko vloži pritožbo zoper ravnanje družbe PAYWISER d.o.o. ali njenih zaposlenih ali zoper dokument, ki ga je izdal PAYWISER d.o.o.. Pritožnik lahko vloži pritožbo tudi v primeru, če PAYWISER d.o.o. določenega dejanja ne opravi, pa bi ga po mnenju pritožnika moral opraviti.

Pritožbo je treba razlikovati od poizvedbe, ki je standardno ali splošno vprašanje, povezano z določenim produktom ali storitvijo. Za pritožbo se ne štejejo splošni, nekonkretizirani očitki družbi PAYWISER d.o.o.

Če se pritožba nanaša na področje varstva osebnih podatkov se v internem pritožbenem postopku upoštevajo tudi določbe Politike zasebnosti, ki urejajo pravico do pritožbe, ki jo pritožnik uveljavlja pri PAYWISER d.o.o. in pri nadzornem organu. Politika zasebnosti je dostopna na spletni strani paywiser.com.

Finančne reklamacije, to je zahteve uporabnika za odpravo napake pri izvajanju plačilne transakcije, se obravnavajo pod posebnimi oz. dodatnimi pogoji. Pri finančnih reklamacijah mora stranka upoštevati tudi vsakokrat veljavne splošne pogoje posameznega produkta oz. storitve, ki natančneje določajo postopek reševanja takšnih reklamacij.

Postopek izvensodnega reševanja sporov se lahko uporabi, če se pritožnik ne strinja z odločitvijo PAYWISER d.o.o. v pritožbenem postopku na drugi stopnji ter v primeru, če pritožnik v pritožbenem postopku iz prvega odstavka tega člena v predvidenem roku ne

prejme odločitve, ki bi jo PAYWISER d.o.o. moral izdati v pritožbenem postopku skladno s tem pravilnikom, kot podrobneje opisano v 10 členu tega pravilnika.

II. Interni pritožbeni postopek

3. člen

Interni pritožbeni postopek poteka po načelih:
• enakopravne obravnave vseh pritožnikov,
• vrstnega reda obravnavanja pritožb (prej prejeta pritožba se obravnava pred kasneje prejeto),
• hitrega in učinkovitega reševanja pritožb.

Pritožbe se rešujejo hitro in učinkovito ter v skladu z veljavno zakonodajo, splošnimi pogoji poslovanja, veljavnimi v času nastanka spora, sklenjeno pogodbo o opravljanju storitev ter dobrimi poslovnimi običaji. Pri vsaki obravnavi pritožbe stranke si PAYWISER d.o.o. prizadeva s stranko doseči sporazumno rešitev pritožbe.

4. člen

Pritožnik lahko vloži svojo pritožbo na 1. stopnji v pisni obliki:

po pošti na naslov: PAYWISER d.o.o., OE Reklamacije, Bravničarjeva ulica 13,1000 Ljubljana, Slovenija
preko e-pošte na naslov: [email protected] d.o.o. je dolžan pisno odgovoriti le na pisno predložene pritožbe.Pritožba mora biti razumljiva in jasna ter mora vsebovati dejstva, na katerih temelji pritožbeni zahtevek. Obvezno mora vsebovati najmanj naslednje:

podatke o pritožniku (ime in priimek fizične osebe oziroma naziv in sedež pravne osebe ali nosilca dejavnosti ter naslov, elektronski naslov in telefon ali drug kontaktni podatek),
obrazložitev pritožbenih razlogov, opis dogodka in navedbo ključnih dejstev in datum dogodka,
predložitev dokazov za potrditev dejstev, na katerih temelji zahtevek pritožnika, če pritožnik z njimi razpolaga,
naslov za pošiljanje odgovora, če je ta drugačen od naslova stalnega ali začasnega prebivališča stranke oziroma sedeža družbe oz. posredovanega elektronskega naslova,
zahtevek pritožnika (če je relevantno),
podpis pritožnika (v primeru oddaje pritožbe po pošti na naslov sedeža PAYWISERd.o.o.).
Pritožba, ki ne vsebuje vseh elementov iz tretjega odstavka tega člena, ne izpolnjuje pogojev za njeno obravnavo in se zavrže.

5. člen

Sistem obravnave pritožb je dvostopenjski. Pritožbe na prvi stopnji rešuje enota za reklamacije. Postopek obravnave pritožbe obsega: sprejem, obravnavo in odločanje o pritožbi ter posredovanje odgovora pritožniku.

6. člen

PAYWISER d.o.o. obravnava le pritožbe, ki so popolne in pravilno predložene. Če je pritožba nepopolna, nerazumljiva ali nejasna, pristojna organizacijska enota pritožnika pozove k dopolnitvi pritožbe in mu postavi 8 dnevni rok za dopolnitev pritožbe. Dopolnitev pritožbe prekine tek roka za pošiljanje odgovora pritožniku. V tem primeru pritožbeni postopek ter s tem rok za rešitev pritožbe in pošiljanje odgovora pritožniku prične teči naslednji dan od dneva prejema popolne pritožbe.

V kolikor pritožnik pritožbe v danem roku ne dopolni, jo PAYWISER d.o.o. zavrže.

7. člen

PAYWISER d.o.o. mora pritožniku odgovoriti na pritožbo v najkrajšem času, obvezno pa v 8 delovnih dneh na prvi stopnji in v 15 delovnih dneh na drugi stopnji. PAYWISER d.o.o. pritožnika v pisni obliki (preko elektronske ali navadne pošte) obvesti o prejemu pritožbe, pritožbenem postopku ter okvirnem roku za podajo odgovora (razen v kolikor je odgovor na pritožbo ali poziv za dopolnitev poslan pritožniku v roku 2 delovnih dni po njenem prejemu). Rok za rešitev pritožbe začne teči naslednji dan od dneva prejema popolne pritožbe.

Če pritožniku odgovora v predpisanem roku ni mogoče predložiti ali kadar gre za vsebinsko zahtevnejše primere, PAYWISER d.o.o. pritožnika, v roku, predvidenem za rešitev pritožbe, obvesti o razlogih za podaljšanje roka za odgovor ter kdaj lahko pričakuje odgovor. Če se pritožba nanaša na plačilne storitve, rok za prejem končnega odgovora ne sme biti daljši od 35 delovnih dni.

Pri reševanju finančnih reklamacij lahko zaradi njihove narave in pravil kartičnih shem veljajo drugačni roki oz. pravila. O njih je uporabnik obveščen preko splošnih pogojev posameznega produkta oz. storitve, ki natančneje določajo postopek reševanja takšnih reklamacij.

8. člen

Pritožnik, ki ni zadovoljen z odgovorom na pritožbo prvostopenjskega organa ali odgovora ne dobi v predvidenem roku, lahko v roku 8 delovnih dni od dneva prejema odgovora oziroma po poteku roka za prejem odgovora, če odgovora ne prejme v roku, vloži pritožbo na drugo stopnjo, in sicer obvezno v pisni obliki s pripisom za Komisijo za pritožbe.

Na drugi stopnji je za obravnavo pritožb pristojna Komisija za pritožbe. Komisijo za pritožbe imenuje vodstvo in jo sestavljajo strokovni delavci PAYWISER d.o.o.

9. člen

Odločitev prve in druge stopnje o pritožbi PAYWISER d.o.o. pošlje pritožniku v pisni obliki preko elektronske, navadne ali priporočene pošte.

III. Seznanitev s postopkom izvensodnega reševanja sporov

10. člen

Če se pritožnik z odločitvijo o pritožbi, izdani v internem pritožbenem postopku ne strinja, ali če v 30 dneh od vložitve pritožbe na drugostopenjski organ neutemeljeno ne prejme odgovora na pritožbo, lahko v roku največ 13 mesecev od vložitve pritožbe pri PAYWISER d.o.o., vloži pobudo za izvensodno reševanje potrošniških sporov pri Odvetnici Simoni Goriup (Miklošičeva cesta 26, 1000 – Ljubljana, www.goriup.si) zoper odločitev PAYWISER d.o.o., na način določen z vsakokrat veljavnimi Pravili postopka izvensodnega reševanja potrošniških sporov (v nadaljevanju: Pravila IRPS), ki so priloga tega pravilnika. Postopek izvensodnega reševanja potrošniških sporov se izvaja v postopku pogojno zavezujoče pospešene arbitraže. Izvajalka IRPS na svoji spletni strani, po navadni (Odvetnica Simona Goriup, Miklošičeva cesta 26, 1000 – Ljubljana) in elektronski pošti ([email protected]) omogoči potrošniku vložitev pobude za začetek postopka. Pobuda za začetek postopka se vloži na obrazcu, ki je v elektronski obliki dostopen na spletni strani izvajalke IRPS (http://goriup.si/irps-zacetek- postopka/) in v papirni obliki na sedežu izvajalke IRPS.

Več informacij o izvajalki IRPS, o vložitvi pobude ter o načinu in postopku IRPS pri Odvetnici Simoni Goriup je na voljo na spletni strani https://goriup.si/irps/, http://goriup.si/wp- content/uploads/2016/06/Pravila-postopka-IRPS.pdf).

Pritožnik lahko vloži pritožbo v zvezi z domnevnimi kršitvami Zakona o plačilnih storitvah, storitvah izdajanja elektronskega denarja in plačilnih sistemih s strani ponudnikov plačilnih storitev tudi pri Banki Slovenije.

Kljub pritožbi pri izvajalki IRPS ali Banki Slovenije, ima pritožnik pravico kadarkoli vložiti tožbo za rešitev spora v zvezi z opravljanjem plačilnih storitev med njim in PAYWISER d.o.o. pri pristojnem sodišču.

IV. Končne določbe

11. člen

PAYWISER d.o.o. pritožnike seznani s pritožbenim postopkom in shemo izvensodnega reševanja sporov. Šteje se, da je pritožnik s slednjim seznanjen, če sta ta Pravilnik in Pravila IRPS objavljena na spletni strani PAYWISER d.o.o. (www.paywiser.com).

O obstoju Pravilnika so pritožniki seznanjeni tudi preko splošnih pogojev poslovanja.

12. člen

Pritožnik in PAYWISER d.o.o. sama nosita stroške, ki so jima nastali zaradi pritožbenega postopka. Družba PAYWISER d.o.o. je upravičena do povračila škode in vseh stroškov, ki so ji nastali zaradi pritožbenega postopka, v primeru, da pritožnik umakne pritožbo ter v primeru, da je pritožnik stroške in škodo povzročil naklepno ali iz malomarnosti.

V postopku pred izvajalcem IRPS krijeta pritožnik in PAYWISER d.o.o. svoje stroške postopka, skladno z določili Pravil IRPS.

13. člen

Vsi udeleženci v pritožbenem postopku morajo kot zaupne varovati vse podatke o pritožnikih v postopku.

Vsebina pritožbe, ne glede na stopnjo pritožbenega postopka, v kateri se nahaja in vsi podatki, ki se nanašajo na potek pritožbenega postopka predstavljajo poslovno skrivnost, pri čemer je pritožnik v primeru kršitve le-te odškodninsko odgovoren PAYWISER d.o.o.

V primeru reševanja predmetnega spora v postopku izvensodnega reševanja potrošniškega spora pri Odvetnici Simoni Goriup lahko PAYWISER d.o.o. posreduje vso tozadevno dokumentacijo omenjeni izvajalki.

Sprememba pravilnika

14. člen

O spremembi Pravilnika in/ali Pravil IRPS PAYWISER d.o.o. objavi obvestilo na spletni strani www.paywiser.com.

Končna določba

15. člen

Ta Pravilnik začne veljati dne 2.9.2022.

Ljubljana, 30.8.2022

PAYWISER d.o.o.

Janez Stajnko, direktor

Priloga: Pravila postopka izvensodnega reševanja potrošniških sporov

Paywiser Prepaid and Debit Card – Terms and Conditions

The following terms and conditions (the “Terms”) govern your application and use of the Paywiser Prepaid and Debit Card. Please read these Terms carefully and retain a copy of them for your record. By applying and activating, receiving and/or using the Paywiser Prepaid and Debit Card, you are agreeing to these Terms. We may change these Terms from time to time, with or without cause, as provided in these Terms and in accordance with applicable law. In the event of any inconsistency between the English and Chinese language versions of these Terms, the English version prevails.

DEFINITIONS

The term “Card” refers to the Paywiser Prepaid and Debit Card. The value of the funds that are loaded onto the Card and are available for spending is referred to herein as the “Balance”. “Cardholder” means an individual who activates, receives and/or uses the Card. “Transaction Amount” means the amount that is debited from the Balance in connection with your use of the Card, which amount includes both the amount of the Balance to be transferred and the fees imposed to complete the transaction. Paywiser Limited is the issuer of the Card. “Paywiser” means Paywiser Limited and its successors and assigns. “We,” “Us,” “Our” and “Ours” mean Paywiser Limited, and all the associated and affiliated third parties duly appointed or authorized by Paywiser to fulfil and manage your Card. “You”, “Your” and “Yours” each means the Cardholder. “Business Day” means any day other than a Saturday, a Sunday or a public or bank holiday in the place of issuance of the Card. “UnionPay Logo” means any logo or brand mark used by UnionPay International from time to time and which is used for all Cards. “Our Website” means the website at https://www.paywiser.com .

THE CARD

Your Card is a general purpose reloadable prepaid card / debit card and is not a (an gift card or a credit card, and it can be used in any countries and at any location that displays the UnionPay Logo, including point of sale retail merchants, restaurants, online or on the telephone. (Please note: use of the Card in certain countries may incur additional fees and charges such as those in connection with currency exchange rate and handling fees.) Before using the Card, you need to make sure that it has been activated and that the Balance available is sufficient for your purchase. You will not be able to use Your Card after its expiry date. Your Card is attached to an account (the “Card Account”) that we have created to record the Balance available and transactions of your Card. In order to protect your interests, the amount of funds you load to your Card or load through our co-branders will be deposited into an independent segregated account at an institution duly authorised by the competent authority of the relevant jurisdiction registered in the name of, and operated by, an independent Custodian (the “Trust Account”).

Your funds will be kept in the Trust Account until they are, at the request and/or demand of you or any applicable regulatory party, returned to you or transferred to others. As far as your funds is concerned, we agree that :

1. We will not create (or cause to be created) any Lien, Charge, Pledge, Encumbrances, Equity or any type of third party right on your fund; and
2. We will keep the account details and records associated with the Trust Account. You acknowledge and agree that you will only be able to access the information about your remaining funds in your Card Account, and you will not be able to access any other information or receive any interest from the Trust Account. The Card Account is operated and maintained by our management system and does not link up with any of your bank accounts. There is no minimum Balance requirement in your Card Account, but we are entitled and have the discretion to cancel your Card if you have zero or a negative Balance. Your Card Account is not a deposit account and no interest will be paid on the Balance.The UnionPay logo is featured on your Card and will be imprinted along with the issuer’s name

APPLICATION AND ACTIVATION OF THE CARD

You must be at least eighteen (18) years of age to apply for a Card. We will require evidence of your identity, such as an identity card bearing your photograph, a valid international passport or other travel document, a valid driving license incorporating photographic evidence of your identity, issued by a competent governmental department or authority.

We will also require evidence of your address, such as: utility bill, bank statement issued by a bank in a competent jurisdiction, correspondence from a government department or agency, mobile phone or pay TV statement, a lawyer’s confirmation of property purchase, legal document recognizing title to property, government-issued photographic driving license containing the current residential address or national identity card containing the current residential address. We will require additional supporting documents to demonstrate the soundness of your financial background if necessary. The approved forms of identification and verification of residential address cannot be more than 3 months old. When you apply for the Card, we will run checks to verify your identity and financial background. If we are unable to verify your identity and/or your financial background, or where you fail to provide satisfactory information which we request, or the verification check results are unsatisfactory, your application for the Card will be rejected.

Upon receipt of the Card, you must sign the “Signature Strip” on the back of the Card for it to be valid. You must activate your Card via the related website(s) and/or the mobile app(s) notified to you upon or after our acceptance of your application for the Card. You must enter your personal details and set up a password for your Card Account by following all the instructions on the relevant website(s) and/or mobile app(s). You should choose a password which would be difficult for another person to predict and also change your password regularly for security purpose. If You have any problems activating your Card or changing your password, please call our customer service centre accordingly.

OWNERSHIP AND USE OF THE CARD

The Card is and will remain our property at all times. However, you will be solely and exclusively responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. You must not use the Card for any illegal transactions or purposes. If you authorize another person to use the Card, you agree, to the extent permitted by law, that you will be liable for all transactions arising from the use of the Card by such person. To use the Card, simply present the Card at the time of payment, and Key-In the password set by you, some merchants may require you to sign the transaction invoice or receipt with the same signature on the Card. You may wish to retain the receipt as a record of the transaction. After using your Card to make payment, the Card’s Balance will be reduced accordingly by the full amount of each purchase including taxes, charges and other fees(if any). The Card can be used to pay the full amount of the purchase and applicable taxes, so long as the Balance remaining on the Card is sufficient. You may not make a purchase in an amount which exceeds the remaining Balance on the Card. If you want to make a purchase in an amount that exceeds the Maximum Limit, You must notify us before completing the transaction.

USAGE OF YOUR CARD

A. Point of Sale
You agree that we are not required to verify the signature on any sales draft or invoice prepared in connection with a transaction carried out on your Card and we may authorize and process a transaction even if the signature on the sales draft or invoice is different from the signature on Your Card. You do not have any right to stop the payment of any transaction which you have executed with the Card. You may not make pre-authorized regular payments through the use of your Card. We are not liable to You for declined or rejected authorization for any particular transaction, regardless of our reason. Online transactions must be authorized by you by entering your Card details as requested by the retailer. This usually means providing your Card number and PIN, the name on the Card, the expiration date of the Card and in many cases the CVC2 number printed on the back of the Card. You cannot withdraw Your authorization after having completed Your transaction.

B. Limitations
The amount You can spend with your Card will be limited by the amount of your Balance. The Card cannot be used for recurring billing charges (such as monthly utilities or subscriptions). We do not recommend using the Card to make reservations or deposits (for example, car rental or hotel reservations). These companies often estimate the bill and hold the authorization amount for up to 30 days, meaning you cannot access or spend those funds during the period. You can, however, use the Card to settle your final bill. Use of your Card may be restricted in some countries due to security risks. Be aware that some merchants (for example, restaurants, car rental agencies, salons, hotels, cruise lines and pay-at-the-pump gas stations) temporarily require that your Card has an available Balance greater than the purchase amount to ensure sufficient funds for tips or incidental expenses. The reason for this temporary difference is that the final amount of your purchase is not known at the time your Card is swiped for authorization. Authorization tells the merchant 4 VER.DEC2020 whether Your Card has enough funds to cover Your final purchase amount. Only the actual amount spent will be deducted from Your Balance

C. Overseas Transactions
An overseas transaction fee will be imposed on the amount transacted outside the United Kingdom. This fee is additional to any transaction fee levied by UnionPay (for further details on this please see section on “Fees” below) and will be automatically deducted from your Balance.

For all transactions involving currency conversion, the exchange rate refers to the rate applied by UnionPay on the date of conversion. However, if the proceeds of a foreign transaction are refunded to your Card, the UnionPay conversion rate used to convert your refund to the USD for your Card is the rate that we pay to UnionPay minus our overseas transaction fee for the refund (for further details on this please see section on “Fees” below). Further, the rate that we pay to UnionPay may not be the same rate as that of the date the transaction was refunded. For these reasons, the amount that is credited to your Card for a refund of a foreign currency transaction will, in most cases, be less than the amount that was originally charged to your Card for that transaction.

Customers may sometimes be offered the option to settle foreign currency transactions in the currency denomination of the merchant at the sales overseas. Such option is a direct arrangement offered by the overseas merchants and not by us. In such cases, you are reminded to ask the merchant for the currency exchange rates and the percentage of handling fees to be applied before the transaction is entered because settling foreign currency transactions in this way may involve a cost higher than the overseas transaction fees.

D. Loading the Card
There are several methods to load the Card and please be aware of the different fees associate with different loading channels. The Card can be loaded via the channels provided by our partners, and the monies will only be loaded onto the Card once the funds have been cleared. Please note that this may take up to several Business Days depending on different loading methods. We reserve the right to alter or provide more top up facilities over time, and we reserve the right to suspend or terminate your right to top up your Card at any time without notice.

A partner is any distributor contracted by us to issue Card for its clients.

CARDHOLDER DETAILS

You are required to inform us if you change your name, address, telephone number, mobile number or e-mail address within 14 days after the change, and You may be liable for any unauthorized transactions caused by your failure to keep Your details accurate and up to date. You shall be responsible if such an incident occurs and We are not liable for any consequences or losses arising from such event. We will send information to the latest updated registered address or contact we have of you.

FEES

For details of the fees associated with your Card, please refer to the fee table of your Card program. Different fees will be applied to different Card programs. Fees will be deducted from your Card Account Balance. If the Balance on your Card is negative due to fees or merchant posting, you shall remain fully responsible for the amount that exceeds the Balance available on your Card. You agree that we may automatically deduct (offset) the amount of any such negative balance from current or future transfers of funds to Your Card Account. If you use the Card and account in a currency other than the currency in which they are denominated, the currency conversion rate used to convert the transaction amount to be deducted from your Balance will be the rate set by UnionPay on the date the transaction is processed, which rate may be applied without notice to You. Please refer to the UnionPay website for more information.

“VALID THRU”

DATE Please note that the Card has a “valid thru” date imprinted on the face of the Card, which is the date after which You may not use that Card for any purpose. If You attempt to use Your Card after the “valid thru” date, the transactions may not be processed because the Balance remaining on the Card will not be available for any such transactions after the “valid thru” date. However, You will be able to retrieve / redeem the Balance after that date. Therefore, We recommend that You make use of the funds in that Card before the “valid thru” date; or to contact us a month prior to the “valid thru” date (i) to make a request for a redemption of the Balance, or (ii) so that We can reissue a new replacement Card to You as soon as practicably possible at Your convenience. Cardholders may contact our Customer Support Centre on Tel +44 2381 680299 and/or email [email protected] anytime to request for a replacement.

CANCELLATION OR TERMINATION OF YOUR CARD

You may terminate/cancel your Card and Card Account at any time online at the relevant website(s) and/or mobile app(s) as notified to you upon or after our acceptance of your application for the Card or by calling us +44 2381 680299 and/or email [email protected] Termination/cancellation of your Card requested by you gives you a right to a refund once the request is accepted by Us. We will cancel the Card after receiving your request and reimburse the amount of available Balance to you once all fees have been deducted (including the redemption fee). In normal circumstances, we expect to reimburse the Balance to you by cheque no later than 10 Business Days after we have received the termination/cancellation request. However, you should note that the processing time for reimbursement may take longer than 10 Business Days by reason 7 of matters beyond Our reasonable control. Redemption fee for termination/cancellation of Your Card is set out in the existing Fee Table. We reserve the right to amend the existing Fee Table at our absolute discretion.

We shall have the right to suspend or terminate Your Card and/or Your Card Account at any time at Our discretion without prior notice and without assigning any reason. Without prejudice to the generality of the foregoing, we shall be entitled to terminate your Card or 6 VER.DEC2020 your Card Account immediately without notice if You shall commit any breach of or omit to observe any obligation under these Terms, which in Our opinion, amounts to a material default on Your part or if we suspect any actual or potential fraud or illegal activity through Your Card and/or Your Card Account.

If Your Card has a zero or negative Balance, We may, without prejudice to the generality of the foregoing, suspend Your Card and/or Your Card Account without notice. Furthermore, if We have no record of Card activity for a certain period, the Balance on Your Card may be treated as unclaimed property. You can claim the remaining Balance on Your card but We reserve the right to charge You a fee based on the amount of the remaining Balance and refund the rest back to You.

PROTECTION AGAINST LOSS, THEFT, OR UNAUTHORIZED USE

You agree to protect Your Card against loss, theft or unauthorized use by taking all reasonable precautions. If Your Card has been lost or stolen or if You have reasons to believe that someone has made an unauthorized transaction with Your Card or may attempt to use Your card without your permission, You must notify Us IMMEDIATELY +44 2381 680299 and/or email [email protected] You will be liable to the losses up to the amount of your Balance (in any equivalent currency denomination) as at the time of the loss or theft of your Card arising from any unauthorized transactions that take place prior to you notification to us of the suspicious activity. You will not be held liable for any losses once You have notified Us of loss or theft unless We reasonably determine that You have acted with negligence. You will be asked to provide Us with Your name, the Card number, the expiration date, and the original Card value and transaction history. We cannot re-issue a Card if You do not have Your Card number. If Our records show that a Balance still remains on the Card, We will cancel the Card and make such Balance amounts available to You on a re-issued Card. If You subsequently retrieve the reported lost card, please destroy the lost card immediately by cutting it in half or send the card back to Us. We recommend that You check the Balance on Your Card Account and Your transaction history regularly online on via the mobile application available for download from our website. The Card may be deactivated at any time if fraud is suspected. You agree, to the extent permitted by law, to cooperate completely with Us in Our attempts to recover from unauthorized users and to assist in their prosecution.

PURCHASE DISPUTES AND REFUNDS

If there is any dispute regarding purchases you make using the Card, you agree to and shall settle such disputes directly with the merchant with whom the purchase was made. We will not be held responsible for any problems which you may have with any goods or services that you purchase with your Card, whether with regard to quality, safety, legality, or any other aspect of Your purchase. If you are entitled to a refund for any reason for goods or services obtained or purchased with the Card, you agree to accept credits to the Balance on your Card in place of cash or bank deposit.

CHARGEBACKS

You acknowledge that you may have dispute rights pursuant to card association and network rules or otherwise, and we have the right (but not the obligation) to pass any applicable chargebacks to you. If you wish to request for a chargeback, you shall provide the relevant proof and information within the time stipulated by UnionPay International. For the avoidance of doubt, UnionPay also has its own chargeback procedure against any illegal activities and money laundering. Both UnionPay and we have the rights and authority to charge you a reasonable handling fee during the investigation and chargeback process. Please note, UnionPay will only charge the Cardholder through issuer of the Card. You have rights under law or contract to withhold payments. You have chargeback rights if (i) You question, make a claim or complaint about the amount that You agreed to pay when using the Card to purchase goods or services; (ii) You deny making or authorizing the amount that You agreed to pay when using the Card to purchase goods or services; (iii) You believe that the payment transactions is invalid, involves misconduct or fraud (such as fraudulent use of a payment instrument), or otherwise violates any applicable law or these Terms; or (iv) as provided elsewhere in these Terms. We will do everything possible to defend chargeback requests that we receive on your behalf. However, specific time limits and rules shall apply to each chargeback and UnionPay internal chargeback procedure.

OUR LIABILITY

We cannot guarantee a merchant will accept your Card, or that we will authorize any particular transaction. This may be because of a systems problem, something outside our reasonable control, or because we are concerned that your Card is being misused. Accordingly, we shall not be liable in any event that a retailer refuses to accept your Card, or if we do not authorize a transaction, or if we cancel or suspend the use of your Card, to the extent permitted under these Terms and the relevant law. Unless otherwise required by applicable law, we shall not be liable for any direct or indirect loss or damage You may suffer as a result of your total or partial use or inability to use your Card, or the use of your Card by any third party. We will also not be liable for any losses or expenses incurred by You arising from our compliance with legal and regulatory requirements and We will not be liable to You for (1) any loss of goodwill, reputation or opportunity, (2) any loss or corruption of data, (3) any loss of anticipated savings in connection with Your failure to use Your Card due to whatever cause, whether direct or indirect, and (4) any indirect or consequential loss. In the event that You do not use Your Card in accordance with these Terms or if We find that You are using the Card fraudulently, We reserve the right to charge You for any reasonable costs that We incur in taking action to stop You from using Your Card and to recover any monies owed as a result of Your activities.

PERSONAL INFORMATION COLLECTION STATEMENT RELATING TO YOU (THIS “NOTICE”) IN ACCORDANCE WITH THE DATA PROTECTION LEGISLATION

The data protection legislation governs the collection, holding, processing and use of Your personal data and other information that we may collect from you from time to time (the 8 VER.DEC2020 “Data”). The legislation covers transactional records arising from your use of your Card to the extent that those transactional records are “personal data” under the legislation. to the legislation enable us to provide the services contemplated under these Terms and other related services to you.

Purpose: You agree that the Data provided by you may be used for the following purposes of:

(a) processing the application for the Card, including the issue of any new or replacement Card to you;
(b) collecting money due from you;
(c) verifying any information and records relating you;
(d) management, operation and maintenance of the Card, including audit and exercising our rights and your rights under these Terms;
(e) designing new or improving existing services provided by us;
(f) communication between you and us;
(g) investigation of complaints, suspected suspicious transactions and research for service improvement;
(h) prevention or detection of crime; and
(i) disclosure as required by law, rules, regulations, codes or guidelines

Transfer:

The Data will be kept confidential by us, but you agree that for the purpose(s) set out above, We may transfer or disclose such Data to the following parties: (i) any agent, contractor or third party service provider who provides administrative, telecommunications, electronic fund transfer service, computer, payment debt collection, settlement or clearing or other services to us in connection with the operation of Our business; (ii) any branch, subsidiary, holding company, associated company or affiliate of us; (iii) any counterparty to a cheque which we may issue or receive in connection with your Card or Card Account; (iv) credit reference agencies, and, in the event of default, to debt collection agencies; (v) any party giving or proposing to give a guarantee or third party security to guarantee or secure Your obligations; and (vi) any actual or proposed assignee of us or participants or sub-participant or transferee of our rights in respect of you as our customer.

Access:

You have the right to: (a) check whether we hold Data and to have access to that Data; (b) require us to correct any Data which is inaccurate; and (c) ascertain our policies and practices in relation to Data and to be informed of the kind of Data held by us. Please also note that where you have given your consent and have not subsequently opted out, your name, contact details, products and services, transaction pattern and behavior, financial background and demographic data held by us from time to time may be used by us in direct marketing. We reserve the right to charge you a reasonable fee for complying with any request for access to your Data.

OTHER TERMS

A. Assignment
These Terms and Conditions are personal to you. You may not assign or otherwise transfer your rights and obligations under them. We may assign, transfer or subcontract our rights and obligations under these Terms to another company at any time on giving you at least two (2) months’ prior notice of this. If we do this, your rights will not be affected.

B. Communication
If you have an enquiry relating to your Card, you can use the “Contact Us” section on our website. We will deal with your enquiry promptly. If you do not wish to enquire in this way, you can call our customer service centre on +44 2381680299 and/or email [email protected] Any notifications and communications relating to your Card should be made in the same way unless specified otherwise in these Terms. You will require a valid email address and access to the internet in order to communicate with us through our Website.

C. Complaints
If You are unhappy in any way with your Card or the way it is managed or have any other complaints in connection with your Card, please contact us by e-mailing [email protected] or on +44 2381680299. We will endeavour to deal with any complaints You may have quickly and fairly and will notify you of the outcome of our investigation.

D. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of England. Where there is any dispute, controversy or claim arising out of or relating to these Terms, you may elect to resolve such dispute, controversy or claim by mediation and/or arbitration accordingly

Subject to the above, both you and us irrevocably submit to the non-exclusive jurisdiction of the courts in England.

E. Severability
If any provision of these Terms is held by any court or by other competent authority to be invalid or unenforceable in whole or in part, these Terms shall continue to be valid as to its other provisions and the remainder of the affected provision.

F. Telephone Calls and Collection
You understand and agree that, subject to applicable law, if You are in default under these Terms or if You have a negative balance, We or any agent of Ours may make collection calls to your home or cell phone and we may use pre-recorded messages with respect to such calls. We or our agents may monitor and/or record your phone calls, including any messages that may be left on an answering machine.

G. Rights of Third Parties
These Terms shall not create or give rise to, nor shall it be intended to create or give rise to, any third party rights. No third party shall have any right to enforce or rely on any provision of these Terms of which confers or may confer any right or benefit on any third party, directly or indirectly, expressly or impliedly. The application of any legislation giving rise to or conferring on third parties contractual or other rights (including, but not limited to, the Contracts (Rights of Third Parties) Act 1999 in connection with these Terms is hereby expressly excluded.

CHANGE OF TERMS

Subject to the applicable laws, we may at any time change or remove any of the terms and conditions of, or add new terms or conditions to, these Terms. We will post such changes on our website at https://www.paywiser.com. As of the effective date included in any notice, the changed or new terms will apply to the Card, including, without limitation, all transactions made using the Card after such effective date. Notwithstanding the foregoing, advance notice of any change may not be given if it is necessary to make any such change immediately in order to maintain or restore the security of the Card or any related payment system or comply with applicable law. We may, in Our sole discretion, cancel or suspend these Terms or any features or services of the Card at any time, with or without cause, and without prior notice to You.

Changes to the spending limits of your Card that are necessary in order for us to comply with legal requirements are not considered to be changes of these Terms and therefore do not require prior notice to be given. You can always check Your spending limits by logging into your Account.

ENTIRE TERMS

These Terms set forth the entire understanding and agreement between you and us, whether written or oral, with respect to the subject matter hereof and supersedes any prior or contemporaneous understandings or agreements with respect to such subject matter.

Section headings in these Terms are for convenience of reference only, and shall not govern the interpretation of any provision of these Terms.

Terms & Conditions

By downloading or using the app, these terms will automatically apply to you – you should make sure therefore that you read them carefully before using the app. You’re not allowed to copy, or modify the app, any part of the app, or our trademarks in any way. You’re not allowed to attempt to extract the source code of the app, and you also shouldn’t try to translate the app into other languages, or make derivative versions. The app itself, and all the trade marks, copyright, database rights and other intellectual property rights related to it, still belong to Paywiser.

Paywiser is committed to ensuring that the app is as useful and efficient as possible. For that reason, we reserve the right to make changes to the app or to charge for its services, at any time and for any reason. We will never charge you for the app or its services without making it very clear to you exactly what you’re paying for.

The Cardwiser app stores and processes personal data that you have provided to us, in order to provide our Service. It’s your responsibility to keep your phone and access to the app secure. We therefore recommend that you do not jailbreak or root your phone, which is the process of removing software restrictions and limitations imposed by the official operating system of your device. It could make your phone vulnerable to malware/viruses/malicious programs, compromise your phone’s security features and it could mean that the Cardwiser app won’t work properly or at all.

The app does use third party services that declare their own Terms and Conditions.

Link to Terms and Conditions of third party service providers used by the app

- - Google Play Services
  - Apple Media Services

You should be aware that there are certain things that Paywiser will not take responsibility for. Certain functions of the app will require the app to have an active internet connection. The connection can be Wi-Fi, or provided by your mobile network provider, but Paywiser cannot take responsibility for the app not working at full functionality if you don’t have access to Wi-Fi, and you don’t have any of your data allowance left.

If you’re using the app outside of an area with Wi-Fi, you should remember that your terms of the agreement with your mobile network provider will still apply. As a result, you may be charged by your mobile provider for the cost of data for the duration of the connection while accessing the app, or other third party charges. In using the app, you’re accepting responsibility for any such charges, including roaming data charges if you use the app outside of your home territory (i.e. region or country) without turning off data roaming. If you are not the bill payer for the device on which you’re using the app, please be aware that we assume that you have received permission from the bill payer for using the app.

Along the same lines, Paywiser cannot always take responsibility for the way you use the app i.e. You need to make sure that your device stays charged – if it runs out of battery and you can’t turn it on to avail the Service, Paywiser cannot accept responsibility.

With respect to Paywiser’s responsibility for your use of the app, when you’re using the app, it’s important to bear in mind that although we endeavour to ensure that it is updated and correct at all times, we do rely on third parties to provide information to us so that we can make it available to you. Paywiser accepts no liability for any loss, direct or indirect, you experience as a result of relying wholly on this functionality of the app.

At some point, we may wish to update the app. The app is currently available on Android & iOS – the requirements for both systems(and for any additional systems we decide to extend the availability of the app to) may change, and you’ll need to download the updates if you want to keep using the app. Paywiser does not promise that it will always update the app so that it is relevant to you and/or works with the Android & iOS version that you have installed on your device. However, you promise to always accept updates to the application when offered to you, We may also wish to stop providing the app, and may terminate use of it at any time without giving notice of termination to you. Unless we tell you otherwise, upon any termination, (a) the rights and licenses granted to you in these terms will end; (b) you must stop using the app, and (if needed) delete it from your device.

Changes to This Terms and Conditions

We may update our Terms and Conditions from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Terms and Conditions on this page.

These terms and conditions are effective as of 2020-12-18

Contact Us

If you have any questions or suggestions about our Terms and Conditions, do not hesitate to contact us at [email protected]

Corporate Terms and Conditions for Business Visa Debit Cards issued by UAB “PAYRNET”.

These terms and conditions apply to your business debit card. You accept these terms and conditions by activating your debit card. You should read them carefully before activating your debit card. In these terms and conditions “you” means the Business and/or the named debit Cardholder authorised by the Business to use the Card. “We”, “us” or “our” means UAB “PAYRNET”.

1. Definitions

In these terms and conditions the following words and expressions have the following meanings:

“Account”	means the electronic money account associated with the Card;
“Agreement”	means this Agreement of open-ended duration between you and us incorporating these terms and conditions, as amended from time to time;
“Authorised” and “Authorisation”	mean the act of authorising a payment transfer by using the Card together with (i) the PIN code; or (ii) the CVV code and Expiry Date; or (iii) the use of contactless technology; or (iv) the signature of the Cardholder or representative of the Business;
“Available Balance”	means the value of unspent funds in the Account which are available for a Cardholder to spend;
“Business”	means the party authorised to fund the Account and to whom the electronic money is issued, which for the avoidance of doubt is not a Micro-Enterprise;
“Business Day”	means a day other than a Saturday or Sunday on which banks are open for business in Vilnius;
“Card”	means a Card, which is a Visa debit card, provided by us to a Cardholder whereby the Cardholder can spend Available Balance;
“Card Distributor”	Means Paywiser, being your first point of contact if you have an issue with the Card or this Agreement, the contact details of which are set out in clause 2;
“Card Distributor’s App”	Means the Card Distributor’s mobile application relating to the Account and the Card;
“Card Distributor’s Contact Details”	Means the email address [email protected] and/or the Card Distributor’s Website www.paywiser.com.
“Card Distributor’s Website”	Means www.paywiser.com, being the website belonging to the Card Distributor;
“Cardholder”	means the person authorised by the Business to use the Card to spend Available Balance in the person’s capacity as a representative of the Business and not in its own personal capacity. For the avoidance of doubt a Cardholder is not acting as a consumer for the purposes of this Agreement;
“Expiry Date”	means the expiry date of the Card, which will usually be printed on the Card;
“Fee”	means any fee assessed against a Card, as referenced in the Fees Schedule;
“Fees Schedule”	means the fee schedule which may be updated from time to time. The current version is available on the Card Distributor’s Website or Card Distributor’s App;
“Issuer”	means UAB “PAYRNET”, further details of which are set out in clause 30;
“KYC”	means ‘know your customer’ which means the requirements for knowledge of and information on customers of regulated entities in order to comply with anti-money laundering and counter-terrorist financing law;
“Merchant”	means a retailer or any other person that accepts Cards;
“Micro-Enterprise”	means an entity which is engaged in an economic activity of any form which employs fewer than 10 people and whose annual turnover and/or balance sheet total that does not does not exceed €2 million;
“PIN”	means the personal identification number associated with a Card which can be used as one method of Authorising Transactions;
“Shortfall”	means when the balance of Available Balance is negative for whatever reason, including when a Transaction has been Authorised when there was not a sufficient Available Balance;
“Transaction”	means: (i) paying a Merchant for goods and/or services through Authorising the Card; and (ii) obtaining cash from an ATM or bank by Authorising the Card;
“Virtual Card”	means where applicable a non-physical Card;
“you”	means the Business and/or the Cardholder, as the context may require.

2. Contact Details

Who we work with when providing you with services relating to the Card. Although we are the sole issuer of the Card, we work with Paywiser, UAB, legal entity code 305672574, registered at Mėsinių st. 5, Vilnius, the Republic of Lithuania hereinafter referred to in this Agreement as “Paywiser”) as our Card Distributor. You can find out more information on the Card Distributor on the Card Distributor’s Website.

The Card can be activated and managed online via the Card Distributor’s Website and/or via the Card Distributor’s App.

The Card Distributor should be your first point of contract if you have any issues with the Card or this Agreement. The Card Distributor’s contact details are as follows:

Email address: [email protected]

Card Distributor’s Website: www.paywiser.com

3. This Agreement

This Agreement governs the relationship between you and us for the provision of the Card by us to the Cardholder. This Agreement also contains important warnings and information that may affect your rights. By using your Card, you will be deemed to have accepted and fully understood the terms and conditions set out in this Agreement and you agree to comply with these by your use of the Card and/or by indicating your acceptance. The Card remains our property. The Card is not transferable.

4. The Card

The Card is a debit card; it is not a credit, charge or pre-paid card. The Card is associated with your Account. After having received funds from you, we issue electronic money at par value. Please note that electronic money held in the Card shall not be interpreted as a deposit or other repayable funds and the Business will not earn any interest on any funds sent to the Account.

You must ensure that there is sufficient Available Balance to enter into each Transaction that you enter into using the Card (including value added tax and any other taxes, charges and Fees that are applicable).

Depending on your program you may receive a Virtual Card. In such cases we will provide You with the number of the Virtual Card, the Expiry Date of the Virtual Card and the CVV2 code.

If for any reason a Transaction is processed and the Transaction amount exceeds the Available Balance, the Business must repay us the amount of such excess immediately and we will be entitled to stop any existing or subsequent Transactions from proceeding.

5. KYC

We require evidence of who you are for our KYC procedures. We may ask the Cardholder or the Business to provide some documentary evidence to prove this and/or we may carry out checks on you electronically.

The files of credit reference agencies may be searched to assist in the identity verification process. This is not a credit search and does not have a detrimental effect on an individual’s credit score/rating or influence an individual’s ability to obtain or raise credit. The credit reference agency will keep a record of any search and this will show as a ‘soft footprint’ on your credit record to alert you that a search was conducted.

6. Funds in the Account

Only the Business can add money to the Account. The Cardholder will not be able to add money to the Account.

At your request, part or all of electronic money held on the Account will be redeemed at their par value at any time, except if otherwise established under this Agreement or legal acts. You can choose the amount of redeemed electronic money. Where redemption of electronic money is requested by you on or up to one year after the date of the termination of this Agreement, the total monetary value of the electronic money held by you will be redeemed.

We reserve the right to suspend or terminate the right to add money to the Account at any time without notice.

The Business solely owns the funds representing the Available Balance and is the beneficial owner of these funds.

7. Service limits

Transactions may be restricted by Card type, individual usage patterns and payment risk profiles. For anti-money laundering and anti-fraud reasons, we reserve our right to change particular payment restrictions (including from those published or included herein) without notice and to the extent required to meet our regulatory obligations.

8. Use of the Card

To activate the Card you will need to log onto the Card Distributor App or Card Distributor’s Website and use the activate card function.

We will be entitled to assume that a Transaction has been Authorised by You where (i) the magnetic strip on the Card was swiped by the Merchant; (ii) the Card was inserted into a chip & PIN device and the PIN was entered; (iii) relevant information was supplied to the Merchant that allows them to process the Transaction, for example, providing the Merchant with the 3-digit security code on the back of the Card in the case of an internet or other non-face-to-face Transaction; or (iv) the Card is tapped against a contactless-enabled reader and accepted by such reader.

The Cardholder should only use the Card as permitted by the Business. If the Cardholder uses the Card, we are entitled to presume that the Cardholder has the Business’ permission to spend the Available Balance until notified to the contrary by the Business. The Cardholder can use the Card up to the amount of the Available Balance for Transactions (i) via the Internet, (ii) at Merchants and (iii) to make cash withdrawals from ATMs, provided that such application is included in the card program.

We will deduct the value of the Transactions from the Available Balance in the Account. We will also deduct any applicable Fees as soon as they become payable by the Business based upon the Fees Schedule.

ATM withdrawals may also be subject to fees, foreign exchange rates, maximum withdrawal limits, rules and regulations of the relevant ATM operator or bank. It is your responsibility to check whether any such additional fees apply, as they cannot be refunded once the cash has been withdrawn.

Like other card issuers, we cannot guarantee a Merchant, an ATM operator or a bank will accept the Card.

We may at any time suspend, restrict or terminate the Card and/or the Account, refuse to issue or replace a Card or refuse to authorise a Transaction for reasons relating to the following:

- - if we have reasonable grounds to believe that the Card is being in a way which is not approved by the Business;
  - if we have reasonable grounds to believe that the security of the Card has been compromised or suspect that the Card is being used in an unauthorised or fraudulent manner;
  - if there is insufficient Available Balance in the Account at the time of a Transaction to cover the amount of the Transaction and any applicable Fees;
  - if there is an outstanding Shortfall in the Account;
  - if we have reasonable grounds to believe that you are acting in breach of this Agreement;
  - if we have reasonable grounds to believe that a Transaction is potentially suspicious or illegal (for example, if we believe that a Transaction is being made fraudulently) or because of errors, failures (whether mechanical or otherwise) or refusals by Merchants, payment processors or payment schemes processing Transactions, or
  - if we need to do so in order to comply with the law.

If we do this, we will inform you of the action taken and its reasons in advance or, if that is not possible, immediately after, unless to do so would compromise reasonable security measures or be otherwise unlawful. We will reactivate the Account and where appropriate issue you with a replacement Card if after further investigations we reasonably believe that the reasons for the action no longer apply.

The Business will remain responsible to the Issuer for the use of the Card. Your ability to use or access the Card may occasionally be interrupted, for example, if we need to carry out maintenance on our systems. Please contact us using the contact details set out in clause 2 to notify us of any problems you are experiencing using the Card or Account and we will endeavour to resolve any problem.

You can manage the Card and view your e-statements by accessing the Account online via the Card Distributor’s Website or Card Distributor App. You may at any time view the details of the Transactions in the Account using the relevant credentials. You must keep your credentials safe and not disclose them to anyone. The Account will include all Transactions notified to us up to the evening of the previous Business Day.

Your transaction information (“e-statement”) will contain: (i) a reference enabling you to identify each Transaction; (ii) the amount of each Transaction; (iii) the currency in which the Card is debited/credited; (iv) the amount of any Transaction charges including their break down, where applicable; the exchange rate used in the Transaction and the amount of the Transaction after the currency conversion, where applicable; and (v) the Transaction debit/credit value date.

9. Conditions of use at certain Merchants

In some circumstances we or Merchants may require you to have an Available Balance in excess of the Transaction amount.

Some Merchants may not accept payment using the Card. It is your responsibility to check the policy with each Merchant. We accept no liability if a Merchant refuses to accept payment using the Card.

10. Keeping the Card secure and liability

You are responsible for the Card, Account and PIN. Do not share the Card or Account security details with anyone.

You must take all reasonable steps to keep the PIN safe and separate from the Card or any record of the Card number and not disclose it to anyone else. This includes:

- - not keeping your PIN with the Card;
  - not storing the PIN on a device which is not password protected;
  - never sharing your PIN with anyone;
  - when entering your PIN, taking all reasonable steps to ensure it cannot be observed by others;
  - not entering your PIN into any terminal that appears to be modified or suspicious, and
  - if you believe that anyone has gained unauthorised access to your PIN, notifying us without undue delay following the procedures in clause 16.

You will need a PIN in order to make payments at a Merchant or cash withdrawals (from an ATM or a bank) with the Card. If you forget your PIN, you may retrieve the PIN or request a replacement PIN by using the contact details set out in clause 2.

We recommend that you check your Available Balance in your Account regularly on the Card Distributor’s Website or Card Distributor’s App. You will be provided with your Available Balance and a statement of recent Transactions on the Account either by electronic means or on the Card Distributor’s Website or on the Card Distributor App at any time. We also recommend and instruct you to go thoroughly over all the Transactions on a regular basis on the Card Distributor’s Website or Card Distributor’s App.

The Business will be liable for all losses, including any related fees and charges, for any unauthorised Transaction if we can show that you have (i) acted fraudulently or (ii) failed with intent or gross negligence to use and keep safe the Card, Account or PIN in accordance with this Agreement.

The Business will also be liable for all losses, including any related fees and charges, for any unauthorised or incorrectly executed Transaction if you fail to notify us without undue delay on becoming aware of the Transaction, and in any event within 30 days of the Transaction debit date.

In all other circumstances the maximum liability will be as set out in this clause 10 and in clauses 16 and 18.

If you believe that someone else knows the Account or Card security details, you should contact us without undue delay.

Once any Card on the Account has expired or if it is found after you have reported it as lost or stolen, you agree to destroy it by cutting it in two through the magnetic strip.

The Business agrees to indemnify and hold us harmless from and against all reasonable costs of any legal action taken to successfully enforce this Agreement arising out of a material breach of any of the terms and conditions of this Agreement by you or by your fraudulent conduct.

11. Authorising and executing Transactions

Once a Transaction is Authorised, it cannot be withdrawn or revoked.

Within the European Economic Area (EU countries plus Iceland, Liechtenstein and Norway) we will usually execute the Transaction by transferring the amount of the Transaction to the payment service provider of the Merchant by the end of the next Business Day following the receipt of the instructions to transfer the amount. If we receive the instructions after 4:30 pm, they will be deemed received by us on the following Business Day. If the payment service provider of the Merchant is located outside the EEA, we will execute the Transaction as soon as possible.

12. Communications regarding the Account

You can check the Available Balance and Transaction history at any time by logging onto the Card Distributor’s Website or Card Distributor’s App.

13. Cancelling the Card and terminating the Agreement

If you wish to terminate this Agreement at any time, you must request cancellation or termination by contacting us using the contact details set out in clause 2 informing us of your wish to terminate. The Agreement also terminates upon Card expiry subject to clause 14.

Once we have received all the necessary information from you and we have completed and are satisfied with the outcome of applicable anti-money laundering, fraud and other illegal activity checks (including KYC), and once all Transactions and applicable fees and charges have been processed, we will send any Available Balance to the Business’s designated payment or bank account less any fees and charges payable to us, provided that no law, regulation, law enforcement agency, court or regulatory authority requires us to withhold the Available Balance. If we are not able to send the Available Balance for whatever reason, it will be safeguarded pursuant to clause 28 until the relevant funds can legally become our property. A fee will be charged during this period until either the Available Balance is sent to the Business or it is exhausted. The Available Balance will be sent as soon as it is possible to do so.

A Fee may be charged for cancellation (see clause 20 below) unless you have arranged to transfer any unused funds to another Card managed by us for the Business.

If, following distribution of the Available Balance to the Business, any further Transactions are found to have been made or charges or fees incurred using the Card or we receive a reversal of any prior Transaction, we will notify the Business of the amount and the Business must immediately repay us such amount on demand as a debt.

14. Expiry & redemption

The funds on the Account will no longer be usable following the Expiry Date of the most recent Card that was issued under the Account until a replacement Card is issued.

The Card and this Agreement will terminate on the Expiry Date unless you are issued a renewal Card prior to the Expiry Date. You may not use the expired Card after the Expiry Date. If a Card expires before the Available Balance is exhausted, the Available Balance on the Expiry Date will be returned to the Business as set out in and subject to clause 13.

We will have the right to set-off, transfer, or apply part or all of the Available Balance to satisfy all or any liabilities and fees owed to us by the Business that have not been paid or satisfied when due.

Authorisation will be requested for a Transaction at the time of the Transaction. In the unlikely event, for any reason whatsoever, a Transaction is completed when there are insufficient funds on the Account for that Transaction which results in a Shortfall, the Shortfall will be repaid by the Business unless it is due to:

- - an error on the part of the Merchant to which the Card was provided by you as the means of payment, or
  - an error on the part of the Issuer.

Should the Business not repay this amount immediately after receiving an invoice or notification from us or the Card Distributor, we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

15. Termination and suspension of Card and Account

We may terminate the Agreement for any reason by giving you at least 30 days’ notice.

We may terminate the Agreement without prior notice if:

- - you breach an important part of this Agreement, or repeatedly breach the Agreement and fail to resolve the matter in a timely manner;
  - we so agree with the Business;
  - the Business fails to pay fees or charges that you have incurred or fail to cure any Shortfall, or
  - we are required to do so by law or by the card scheme (for example, where the provision of the Card to you becomes unlawful).

We may also terminate this Agreement or suspend the Card or Account without prior notice if:

- - we reasonably believe the Card is deliberately being used by you to commit fraud or for other illegal purposes, or
  - we discover that any of the information you provided us with when you applied for the Card was incorrect.

If we terminate the Agreement without prior notice, we will tell you as soon as practicable afterwards unless we are prohibited by law from doing so.

16. Lost and stolen Card and the right to a refund for unauthorised Transactions

If you know or suspect that the Card is lost or stolen, or that the PIN code is known to an unauthorised person, or if you think a Transaction has been unauthorised, you must tell us without undue delay by calling us using the contact details set out in clause 2 of this Agreement.

A Transaction will be considered to be unauthorised if you have not given your consent for the Transaction to be made by Authorising it. In order for any unauthorised Transaction amount to be refunded to the Account, you must report the Transaction without undue delay upon becoming aware of it. A refund cannot be made for any unauthorised Transaction reported after 30 days have passed following the debit date of the Transaction.

Despite the possible 30 day’s refund period, a refund cannot be made for an unauthorised Transaction if the Transaction was correctly displayed in the Account activity online and you failed to inform us about the Transaction being unauthorised without undue delay upon seeing the Transaction in the Account activity online. In this respect we urge you to check the Account activity online on a regular basis and review the Transactions carefully.

When you call using the contact details set out in clause 2, you will be asked to provide us with the Card’s number where possible and some other identifying details. If there is an Available Balance remaining in the Account, we will replace the Card for the Account. Alternatively, the Available Balance can be redeemed to the Business. If we replace the Card, the Card will be delivered to the registered address subject to possible Fees.

We will refund as soon as possible, and no later than by the end of the day on which the unauthorised Transaction is reported by you, the full amount of any unauthorised Transaction reported by you, including any associated Fees and charges, provided you notify us of the Transaction in accordance with this Agreement except that:

- - we will refund at the beginning of the next Business Day any unauthorised Transactions reported on a day that is not a Business Day or reported after 4:30 pm on a Business Day;
  - if there is evidence that you acted fraudulently or have with intent or gross negligence failed to comply with the Agreement in relation to the use of the Card and safety of the Card’s security details, we will first carry out a prompt investigation to determine whether the Transaction was Authorised by you and will only refund if the investigation shows that the Transaction was not Authorised by you, and
  - if the Card was lost or stolen or you have failed to keep your PIN or other security details safe from misappropriation, the Business will be liable for losses up to a maximum of EUR 50 (or equivalent in another currency) per instance of loss, theft or misappropriation.

The Business will be liable for all losses incurred in respect of an unauthorised Transaction where you have acted fraudulently or have with intent or gross negligence failed to comply with the Agreement in relation to the use of the Card and safety of its security features.

Except where you have acted fraudulently the Business will not be liable for any losses incurred in respect of an unauthorised Transaction arising after you notify us of the Transaction in accordance with the Agreement. The Business is not liable for any losses that occur where the Card has been used in a ‘card not present’ environment except where you have acted fraudulently or with intent or gross negligence.

If there is evidence that you checked the online Account and did not notify us of the unauthorised Transaction without undue delay, we may not refund the Account.

We reserve the right to investigate any disputed Transaction or misuse of the Card before and after a refund. In order to do so we may need more information and assistance from you and you are required to reasonably cooperate with any investigation by us or any law enforcement agency or other competent authority. If we make a refund following the claim and subsequently establish that the conditions for the refund have not been met, we may deduct it from the Available Balance after notifying you. If there is no sufficient Available Balance, the Business must repay us the amount immediately on demand.

17. Our liability

We will not be liable for any loss arising from:

- - your inability to use the Card as set out or for any reason stated in clauses 10 and 13;
  - any cause which results from abnormal or unforeseen circumstances beyond our control, consequences of which would have been unavoidable despite all our efforts to the contrary, including but not limited to fault in or failure of data processing systems, lack of funds, maximum withdrawal limits set by ATM operators;
  - a Merchant refusing to accept the Card;
  - any issue with the goods or services that are purchased with the Card;
  - any loss or theft that is reported later than 30 days following the debit date of the Transaction in question;
  - our compliance with legal and regulatory requirements;
  - our suspending, restricting or cancelling the Card or refusing to issue or replace it in accordance with clause 8 above, or
  - loss or corruption of data unless caused by our wilful default.

From time to time, your ability to use the Card may be interrupted, e.g. when we carry out maintenance to improve and keep the service running for our customers. If this happens, the Business may be unable to add funds to your Account, and/or you may be unable to:

- - use the Card to enter into a Transaction, and/or
  - obtain information about the funds available in your Account and/or about the recent Transactions.

We will not be liable for any loss arising from such interruptions.

We are also not liable for:

- - business interruption, loss of revenue, goodwill, opportunity or anticipated savings, or
  - any indirect or consequential loss arising from your total or partial use or inability to use the Card, or the use of the Card by any third party.

To the fullest extent permitted by relevant law, and subject to clauses 16 and 18, our total liability under or arising from this Agreement will be limited as follows:

- - where the Card is faulty due to our default, our liability will be limited to replacement of the Card; and
  - where sums are incorrectly deducted from the Available Balance due to our fault, our liability will be limited to payment to the Business of an equivalent amount, and
  - in all other circumstances of our default, our liability will be limited to repayment of the amount of the Available Balance.

No party will be liable for, or be considered in breach of this Agreement on account of, any delay or failure to perform as required by this Agreement as a result of any causes or conditions which are beyond such party’s reasonable control and which such party is unable to overcome by the exercise of reasonable diligence.

The above exclusions and limitations set out in this clause 17 will apply to any liability of our affiliates, such as Visa or other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.

18. The right to a refund for Authorised and incorrectly executed Transactions

A refund may be made for an Authorised Transaction if (i) your Authorisation of the Transaction did not specify the exact amount at the time of the Authorisation, and (ii) the amount exceeded what you would have reasonably expected taking into consideration your previous spending patterns and other relevant circumstances. A claim for a refund of such a Transaction must be made within 30 days from the date on which the funds were deducted from the Available Balance. We may require you to provide us with such information as is reasonably necessary to ascertain whether the conditions for the refund are met. Within ten (10) Business Days of receiving (i) the claim for a refund or (ii) where applicable, any further information we requested from you, we will either refund the full amount of the Transaction to the Account or provide you with justification for refusing the refund.

In order to receive a refund to the Account for an incorrectly executed Transaction (including non-executed or defectively executed Transaction), you must report the Transaction without undue delay upon becoming aware of it. A refund will not be made for any incorrectly executed Transaction reported after 30 days have passed following the debit date of the Transaction.

Despite the possible 30 days refund period a refund will not be made for an incorrectly executed Transaction if the Transaction was correctly displayed in the Account activity online and you failed to inform us about the Transaction being incorrectly executed without undue delay upon seeing the Transaction in the Account activity online. In this respect we urge you to check the Account activity online on a regular basis and review the Transactions carefully.

As soon as practicable after you have notified us of a disputed Transaction in accordance with this Agreement, you must confirm the disputed Transaction in writing by email or by post, setting out full details of the Transaction and your reason for disputing it. You must provide us with all receipts and information that are relevant to the claim.

Where we are liable for an incorrectly executed Transaction, we will without undue delay refund the amount of the Transaction to the Account, restore the Account to the state it would have been had the defective Transaction not taken place and refund any charges and interest that have arisen as a consequence of the non-execution or defective execution of the Transaction provided you notify us of the Transaction in accordance with this clause 18.

If we make a refund following a claim and subsequently establish that the conditions for the refund have not been met, we may deduct it from the Available Balance after notifying you. If there is no sufficient Available Balance, the Business must repay us the amount immediately on demand.

If you are not satisfied with the justification provided for refusing the refund or with the outcome of the refund claim, you may submit a complaint as described in clause 25.

19. Changes to this Agreement

We may change the Agreement by notifying you by e-mail or other agreed means 2 weeks before the change is due to take effect. You will be deemed to have accepted the notified change unless you tell us that you do not agree to the change prior to the change being effective. In this case, the Agreement will terminate upon expiry of the notice. You also have a right to terminate the Agreement immediately and without charge at any point during the notice. In such circumstances we will refund the Available Balance on the Account in accordance with clause 13 and you will not be charged a Fee for closing the Account.

We may make immediate changes to the exchange rate used to convert money from one currency to another as part of a Transaction.

20. Fees and limits

We may charge Fees in connection with any of our services and facilities that you have made use of or requested based on our Fees Schedule. The Fees Schedule is subject to changes. The most recent update of schedule will be available on the Card Distributor’s Website or Card Distributor’s App.

We may charge you an administration charge as set out in the Fee Schedule in the following circumstances:

- - in the event that you make any payment to us that is subsequently reversed after sixty (60) days due to inadequate account information or inadequate KYC documentation, and
  - to cover our reasonable costs and expenses in providing you with manual support on the Account not otherwise required under the Agreement (e.g. a request for legal, police, court or other judicial support).

We may charge you a Fee for chargebacks as set out in the Fees Schedule where a receiving bank declines receipt of a payment following a request to transfer the funds from the Card.

We have the right to review and change the amount of Available Balance you are able to have in the Account and the spending limits on the Card at any time and will notify you accordingly.

21. Cardholder and Business details

You must let us know as soon as possible if you change your name, address, phone number or e-mail address. If we contact you in relation to the Card or the Account, for example, to notify you that we have cancelled the Card, we will use the most recent contact details you have provided to us. We will not be liable to you if your contact details have changed and you have not informed us.

22. Data protection

You agree that we can use your personal information in accordance with our privacy policy which is set out at https://www.railsbank.com/privacypolicy. The Card Distributor may also use your personal information in accordance with its privacy policy which is set out on the www.paywiser.com. Please note that us and the Card Distributor are each independent data controllers. Each privacy policy includes details of the personal information collected, how it will be used, and who it is passed onto. You can tell us if you do not want to receive any marketing materials from us.

To comply with applicable KYC-and anti-money laundering rules and regulations our bank, the Issuer, the Card Distributor and the relevant programme manager and/or any other business partner (all together a “Partner”) who will introduce the Cardholder to the Card Distributor and the Issuer, shall be entitled to carry out all necessary verifications regarding the Cardholders identity. The abovementioned Partner and the Card Distributor may use a recognised agency for this verification purposes (details of the agency used will be provided to you on request). In this respect, the Cardholder’s personal data will be transferred to the Card Distributor and the Issuer and will be processed also outside Lithuania.

23. Payment disputes with Merchants

In relation to any dispute between you and a Merchant, provided you are able to satisfy us that you have already made all efforts to resolve the dispute with the relevant Merchant, we will attempt to assist you so far as is reasonably practicable. We may charge you a Fee as referenced in the Fees Schedule for any such assistance we may give you with any such dispute. If there is an irresolvable dispute with a Merchant in circumstances where the Card has been used for a Transaction, you will be liable for the Transaction and will have to resolve this directly with the relevant Merchant.

24. Communication

Unless required otherwise by other provisions of this Agreement, if you have an enquiry relating to the Card, you can call us using the contact details set out in clause 2.

This Agreement is concluded in English. All communications with you will be in English.

We may contact you by e-mail, text message or post unless provided otherwise under the Agreement. You must maintain a valid e-mail address, a valid mobile telephone number and a valid address registered with us and must notify us of any changes in your registered details without delay. You agree to check for incoming messages regularly.

Any e-mail will be deemed received as soon as it is sent unless within 24 hours the sender receives a failure notice indicating that the email has not been transmitted. Any e-mail will be deemed received by the recipient on the day it is received in his e-mail inbox if received before 4.30 pm on a Business Day. If received at any other time, it will be deemed received on the next Business Day.

Any communication or notice sent by post will be deemed received three (3) days from the date of posting for Lithuanian post or within five (5) days of posting for international post. Any communication or notice sent by text message will be deemed received the same day.

25. Complaints

If you are not satisfied with the Card or the way it is managed, tell us by contacting us using the contact details set out in clause 2 so that we can investigate the circumstances for you. You may also request to be provided with a copy of our complaints procedure at any time. Any complaints you have will be dealt with quickly and fairly and you agree to cooperate with us and provide the necessary information for us to investigate and resolve the complaint. If the Card Distributor does not deal with your complaint adequately, please contact us via email to [email protected].

We have internal procedures for handling complaints fairly and promptly in accordance with the Bank of Lithuania requirements. A copy of our complaints’ procedure is available on our website at www.paywiser.com and may also be submitted to you directly upon request.

We will respond to your complaint in writing or using another Durable Medium within 15 (fifteen) Business Days after the receipt of complaint. In exceptional cases, due to reasons which are beyond our control, we may send you a preliminary response by indicating reasons for delay and the term by which you will receive our final response. In any case the term for provision of final response will not exceed 35 (thirty-five) Business Days after the receipt of complaint. Handling of complaints is free of charge. Should you not be satisfied with our final response, or should we fail to respond to you, you always have a right to apply to the Bank of Lithuania or the competent court as described below.

You may address the Bank of Lithuania with a request to protect your rights and legitimate interests which you consider having been violated. Such complaints may be submitted in writing or by electronic means at the following addresses: (i) Totorių g. 4, LT-01121 Vilnius, [email protected], and/or (ii) Žalgirio g. 90, Vilnius, e-mail: [email protected] Complaints must be submitted in Lithuanian or English languages.

26. Assignment

We may assign this Agreement to another company at any time. If we assign the Agreement to another company you will be given prior notice of this. Unless you tell us within 2 weeks that you do not want to continue with the Agreement after the assignment, you agree that we can assign the Agreement in this way. Your rights will not be affected by such assignment should it happen. You may not assign the Agreement to a third party. Your right to terminate the Agreement under clause 13 is not affected.

27. Governing law

This Agreement will be governed by Lithuanian law and the Lithuanian courts will have exclusive jurisdiction regarding any legal proceedings between us, except where prohibited by EU law. Before referring the dispute to court, you and us will endeavour to resolve the dispute by amicable negotiations.

28. Protection of funds

We ensure that once we have received the funds they are deposited in a secure account, specifically for the purpose of redeeming Transactions made by the Card. In the event that we become insolvent, funds against which the Issuer has already issued electronic money are protected against the claims made by creditors.

29. Business opt-out

Pursuant to Article 3(7) of the Law on Payments of the Republic of Lithuania, UAB “PAYRNET”, as the payment service provider, and you, as a payment service user which is not a consumer, can deviate from provisions of Section III (including Article 13, listing requirements for the framework agreement between the payment service provider and payment service user), Articles 4(1), 4(2), 4(3), 11(1), 11(2), 11(5), 29(3), 36 (to the extent the term for notifying about unauthorised or improperly executed payment transactions is concerned), 37, 39, 41, 44, 51, 52 of the Law on Payments of the Republic of Lithuania. You are hereby notified and by accepting this Agreement you confirm your understanding that this Agreement might in certain cases deviate from the mentioned provisions of the law, including that the contents of this Agreement may be narrower than required under Article 13 of the Law on Payments of the Republic of Lithuania, and agree to be bound by this Agreement as they are worded, including any such deviations.

30. The Issuer of the Card

The Card is issued by UAB “PAYRNET”, a company incorporated in the Republic of Lithuania (company number: 305264430) with its head office at AltSpace, Islandijos str. 6, LT-01117, Vilnius, the Republic of Lithuania, and its registered office at Girulių str. 20, LT-12123 Vilnius, the Republic of Lithuania, an Electronic Money Institution authorised by the Bank of Lithuania under the Law on Electronic Money and Electronic Money Institutions (license reference 72, issued on 2020-08-28) for the issuing of electronic money and provision of the related payment services.

UAB “PAYRNET” can be contacted by email – [email protected] UAB “PAYRNET” web address is https://www.railsbank.com/payrnet. (This is the web address of PayrNet’s indirect parent company, Railsbank Technology Limited (via UAB Railsbank Technology), and Payrnet is a wholly owned subsidiary of Railsbank and provides regulated financial services to Railsbank customers.).

31. Third Party Payment Service Providers

This clause 31 applies when you use the services of an AISP (or PISP). We may deny an AISP (or PISP) access to the online account connected to the Card for reasonably, justified and duly evidenced reasons relating to unauthorised or fraudulent access to the online account by that AISP (or PISP, including the unauthorised or fraudulent initiation of a transaction.) If we do deny access in this way, we will notify you of the denial and the reason for the denial in advance if possible, or immediately after the denial of access, unless to do so would compromise reasonably justified security reasons or is unlawful. We will allow AISP (or PISP) access to the online account once the reasons for denying access no longer apply.

Fees Schedule

Fee schedule is available on the Card Distributor’s Website or Card Distributor’s App

Consumer cardholder terms

1. These Terms

1.1. What these Terms cover. These are the terms and conditions which govern the use of the Card, which you have been issued with or will be issued with.

1.2. Why you should read them. Please read these Terms carefully before you use your Card, as they apply to the services provided by us. These Terms tell you who we are, who we work with, how you can use your Card and the steps you need to take to protect yourself from unauthorised use of the Card and how you and we may change or end the contract, what to do if there is a problem and other important information. If there are any terms that you do not understand or do not wish to agree to, or you think that there is a mistake in these Terms, please contact us to discuss.

1.3. Interpreting these Terms. In order to easily understand these Terms, please first refer to clause 3 which, amongst other things, sets out the meaning of capitalised terms used in these Terms.

1.4. How can you agree to these Terms? You can agree to these Terms by checking the box online confirming that you agree to same or by otherwise confirming your agreement to same or availing of the Card.

1.5. When will you become a client of ours? You will be bound by these Terms once you have agreed to it as set out above and these Terms shall remain in force until terminated in accordance with its conditions.

2. Information about us and how to contact us

2.1. Who we are. We are UAB “PAYRNET”, a company incorporated in the Republic of Lithuania (company number: 305264430) with its head office at AltSpace, Islandijos str. 6, LT-01117, Vilnius, the Republic of Lithuania, and its registered office at Girulių str. 20, LT-12123 Vilnius, the Republic of Lithuania (hereinafter referred to in these Terms as “PayrNet” “we”, “us”, “our”). We are the issuer of your Card. PayrNet can be contacted by email – [email protected] PayrNet web address is https://www.railsbank.com/payrnet.

2.2. We are an Electronic Money Institution authorised by the Bank of Lithuania under the Law on Electronic Money and Electronic Money Institutions (license reference 72, issued on 2020-08-28) for the issuing of electronic money and provision of the related payment services.

2.3. PayrNet is a wholly owned indirect subsidiary of Railsbank Technology Limited (via UAB Railsbank Technology) and provides regulated financial services to Railsbank customers. Payrnet outsources all IT and Operations processes to Railsbank, and therefore both Railsbank Technology Limited and UAB Railsbank Technology fall under the Railsbank Privacy Policy for the purposes of clause 11 (Data Protection).

2.4. Who we work with when providing you with services relating to the Card. Although we are the sole issuer of the Card, we work with Paywiser, UAB, legal entity code 305672574, registered at Mėsinių st. 5, Vilnius, the Republic of Lithuania hereinafter referred to in this Agreement as “Paywiser”) as our Card Distributor. You can find out more information on the Card Distributor on the Card Distributor’s Website.

2.5. The Card Distributor will be your first point of contact in relation to these Terms, for example if you:

2.5.1.wish to cancel the Card or complain about the service you have been provided with pursuant to these Terms;

2.5.2.let us know that the Card has been or potentially has been lost, stolen or misappropriated; and

2.5.3.report an unauthorised Transactions relating to your Card.

2.6. The services provided by the Card Distributor are governed by a separate set of terms and conditions which are set out in the following weblink www.paywiser.com.

2.7. We also provide you with the E-money Account where the funds, which can be spent using the Card, are held. Our company details are set out in section 2.1. The services provided by us for the Account are governed by a separate set of terms and conditions between you and us. The E-money Account is associated with your Card. After having received funds from you, we issue E-Money at par value. Please note that E-money held in the Account shall not be interpreted as a deposit or other repayable funds and will not earn any interest to you.

2.8. We ensure that once we have received the funds they are deposited in a secure account, specifically for the purpose of redeeming Transactions made by the Card. In the event that we become insolvent, funds against which we have already issued E-Money are protected against the claims made by creditors.

2.9. At your request, part or all of the E-Money held on the Card will be redeemed at their par value at any time, except if otherwise established under these Terms or legal acts. You can choose the amount of redeemed E-Money. Where redemption of E-Money is requested by you on or up to one year after the date of the termination of these Terms, the total monetary value of the E-money held by you will be redeemed.

2.10. How to contact us. You can contact us, via the Card Distributor, by using any of the communication methods available:

(a) on the secure area of the Card Distributor’s Website;

(b) on the Card Distributor’s mobile application.

2.11. How we may contact you. If we have to contact you we will do so by telephone or by writing to you at the telephone number, email address or postal address you provided to us or the Card Distributor. Any changes to your telephone number, email address or postal address or other personal data we hold about you must be notified by you immediately and in writing in accordance with section 2.10.

3. Interpretation

3.1. The definitions set out in this clause apply in these Terms as follows:

“Account” means E-Money account associated with the Card.

“AISP” means account information service provider.

“ATM” means automatic teller machine.

“Business Day” means a day when the clearing banks in Vilnius are open for business, excluding Saturdays, Sundays and public holidays in Lithuania.

“Card” means the personal, non-transferable card scheme branded debit card which you have been issued with or will be issued with by us.

“Card Distributor” means Paywiser being your first point of contact if you have an issue with the Card or this Agreement, the contact details of which are set out in this clause.

“Card Distributor’s App” means the Card Distributor’s mobile application, relating to the Account and the Card.

“Card Distributor’s Website” means Card Distributor’s website from time to time, currently www.paywiser.com.

“Consumer” means an individual who, in accepting these Terms, is acting for a purpose other than a trade, business or profession.

“Durable Medium” means an instrument which enables you to store information addressed personally to you in a way accessible for future reference for a period of time adequate for the purposes of the information and which allows the unchanged reproduction of the information stored.

“E-Money” means electronic money, i.e. electronically stored monetary value as represented by a claim against us.

“E-statement” means information provided in Durable Medium on the available balance in your Account and the details of any Transactions you have entered into.

“Electronic Money Institution” means licensed electronic money institution, authorized to issue E-Money and provide payment services (as defined in the Law on Electronic Money and Electronic Money Institutions of the Republic of Lithuania and the Law on Payment Institutions of the Republic of Lithuania).

“Expiry Date” means the expiry date printed on the Card.

“PAN” means primary account number, i.e., the Card number on the Card.

“Partner” means any of our banking providers and any other business partners.

“PIN” means secret personal identification number associated with a Card which can be used as one method of authorising Transactions.

“PISP” means payment initiation service provider.

“Physical Card” means a “physical” Card, which will have the details of the PAN, the Expiry Date of the Card and the CVV code printed on it.

“Terms” means these terms and conditions which govern the use of the Card which you have been issued with or will be issued with.

“Table” means Fee Table set out in Annex A attached to these Terms.

“Transactions” means transactions referred to in clause 6.1 of these Terms.

“Virtual Card” means “virtual” Card, in which case you will not receive a Physical Card but will receive details of the PAN, the Expiry Date and the CVV2 code.

“Website” means our website from time to time, currently https://www.railsbank.com/payrnet .

3.2. Sub-clause, clause and paragraph headings shall not affect the interpretation of these Terms and references to sub-clauses, clauses and paragraphs are to the sub-clauses, clauses and paragraphs of these Terms.

3.3. Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.

3.4. Unless the context otherwise requires, words in the singular shall include the plural, and in the plural shall include the singular.

3.5. A reference to a statute or statutory provision is a reference to it as amended, extended or re-enacted from time to time and reference to a statute or statutory provision shall include all subordinate legislation made from time to time.

4. Commencement and expiry of these Terms

4.1. You shall be deemed to accept these Terms as set out above. The Card shall remain our property and will be delivered by us, or on our behalf, by the Card Distributor.

4.2. The Terms, excluding Section 8.3, will terminate on the Expiry Date unless the Card is auto-renewed, in which case you will be issued with a new Card before the existing one expires. In this instance these Terms will remain valid until the existing Card expires or is otherwise as set out in these Terms.

5. Issuance and activation of the Card

5.1. You may be issued with:

5.1.1.a Physical Card; or

5.1.2.a Virtual Card.

5.2. In order to start using the Card, you may be required to activate it in accordance with instructions given to you by the Card Distributor. You must keep your Physical Card and the details of the Virtual Card (as applicable) in a safe place and protect it against unauthorised access or use by third parties.

5.3. If you are issued with a Physical Card:

5.3.1.you must sign the Physical Card as soon as you receive it;

5.3.2.you may also receive a PIN separately by post or you may be able to retrieve it electronically via the Card Distributor’s Website or the Card Distributor’s App.

5.4. You should memorise your PIN when you receive it. If you need to keep the written version of the PIN or separately write the PIN down for future reference, you must never keep it with the Card. You must never disclose your PIN to any other person, not even us. If you have not protected your PIN and your Card is used without your knowledge using the correct PIN, this may be classed as negligence for the purposes of Section 9.

5.5. You can manage the Card on your secure area of the Card Distributor’s Website and on the Card Distributor’s App.

5.6. The Card shall remain valid until the Expiry Date. If you require a replacement Card, please contact the Card Distributor using the contact details set out in section 2.10. Please note that an additional fee may be charged for a replacement Card – please see the fees section 12 for more information.

5.7. The Card is an E-money product and as such it is not covered by the by the Deposit Insurance Scheme of the Republic of Lithuania or a comparable guarantee scheme in any other country. You may only use the Card for lawful Transactions.

6. Transactions

6.1. Should the relevant card scheme and/or programme allow, you may use your Card to enter into the following Transactions:

6.1.1.purchasing goods and/or services from merchants affiliated with the card scheme on your Card;

6.1.2.withdrawing cash from authorised banks worldwide;

6.1.3.receiving cash back from merchants (merchant dependent);

6.1.4.making cash withdrawals from ATMs.

6.2. You can authorise a Transaction by:

6.2.1.allowing a merchant to swipe the magnetic strip of the Card and the corresponding sales slip being signed; or

6.2.2.inserting the Card into a chip & PIN device and the correct PIN being entered;

6.2.3.providing relevant information to the merchant that allows the merchant to process the Transaction, for example, providing the merchant with the PAN, the Expiry Date and the CVV2 in the case of an internet or other non-face-to-face Transaction;

6.2.4.relevant information being provided to the payment initiation service provider that allows the payment initiation service provider to process the Transaction;

6.2.5.the Card is tapped against a “contactless” enabled reader and accepted by such reader.

6.3. If any of the methods of authorisation set out in section 6.2 are used, we shall be entitled to assume that you have authorised a Transaction unless we were informed that the relevant details of the Card have been lost, stolen or misappropriated prior the Transaction taking place.

6.4. You acknowledge the correctness of the amount of each Transaction which you authorise.

6.5. Once you have authorised a Transaction, the Transaction cannot be stopped or revoked. You may in certain circumstances be entitled to a refund in accordance with these Terms.

6.6. On receipt of notification of your authorisation of a Transaction and the Transaction payment order from the merchant and/or authorised bank, normally we will deduct the value of the Transaction, plus any applicable fees and charges, from the available funds in the Account. We will execute the Transaction by crediting the account of the merchant’s or ATM operator’s or bank’s (as applicable) payment service provider by the end of the next Business Day following the notification. If the notification is received on a non-Business Day or after 4:30 pm on a Business Day, it will be deemed received on the next Business Day.

6.7. We are not liable if, for any reason, the affiliated merchants or authorised banks do not accept the Card, or accept it only partly, nor are we liable in the case of late delivery of, or failure to deliver, goods or services. In the event of disputes or complaints of any kind concerning goods or services, or the exercise of any right in this connection, you should contact the affiliated merchant and/or authorised ban and/or ATM operator.

6.8. It is your responsibility to ensure that there are available funds in your Account to cover any spend, allowing for any foreign exchange fees and other applicable fees under these Terms. Should the Account at any time and for any reason have a negative balance, you shall repay the excess amount immediately and in full.

6.9. For Card usage conducted in other currencies (other than the currency of the Card), you shall accept the exchange rate used by Visa, which can be found at https://www.visa.co.uk/support/consumer/travel-support/exchange-rate-calculator.html. Any changes in exchange rates may be applied immediately and without notice. The exchange rate, where applicable to a Transaction, will be shown in the E-statement. Different exchange rates may apply when reserving or debiting funds. Please be careful when opting to use a merchant’s, bank’s or ATM operators exchange rates as they are often less competitive that the card scheme’s exchange rate.

6.10. The maximum amount you may withdraw in cash shall be subject to a daily limit, irrespective of the available funds in the Account. We may charge a fee for withdrawal of cash. Some ATMs may charge an additional fee, which is not included in the Table, however, will apply on top of the fees set out in the Table. ATM withdrawals may also be subject to foreign exchange rates, maximum withdrawal limits, rules and regulations of the relevant ATM operator or bank. It is your responsibility to check whether any such additional fees apply, as they cannot be refunded once the cash has been withdrawn.

6.11. We and the Card Distributor have the right to review and change the spending limits on the Card at any time. You will be notified of any such changes via the Card Distributor’s Website and/or the Card Distributor’s App.

7. Non-execution of a Transaction

7.1. In certain circumstances we may refuse to execute a Transaction that you have authorised. These circumstances include:

7.1.1.if we have reasonable concerns about the security of the Card or suspect the Card is being used in a fraudulent or unauthorised manner;

7.1.2.if there are insufficient funds available to cover the Transaction and all associated fees at the time that we receive notification of the Transaction or if there is an outstanding shortfall on the balance of the Account;

7.1.3.if we have reasonable grounds to believe you are acting in breach of these Terms;

7.1.4.if there are errors, failures (mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing Transactions, or

7.1.5.if we are required to do so by law.

7.2. Unless it would be unlawful for us to do so, where we refuse to complete a Transaction, we will notify you as soon as reasonably practicable that it has been refused and the reasons for the refusal, together, where relevant, with the procedure for correcting any factual errors that led to the refusal. Where the refusal is reasonably justified, we may charge you fee when we notify you that your payment request has been refused.

7.3. You may also claim a refund for a Transaction that you authorised provided that your authorisation did not specify the exact amount when you consented to the Transaction, and the amount of the Transaction exceeded the amount that you could reasonably have expected it to be taking into account your previous spending pattern on the Card, these Terms and the relevant circumstances.

7.4. Such a refund must be requested from us within 8 weeks of the amount being deducted from the Card. We may require you to provide us with evidence to substantiate your claim. Any refund or justification for refusing a refund will be provided within 10 Business Days of receiving your refund request or, where applicable, within 10 Business Days of receiving any further evidence requested by us. Any refund shall be equal to the amount of the Transaction. Any such refund will not be subject to any fee.

8. Access to information on Transactions and available funds in the Account

8.1. The Card Distributor has set up a secure area on the Card Distributor’s Website and on the Card Distributor’s App where you can view the available balance in your Account and view the details of any Transactions you have entered into. You can gain access to this by following the instructions on the Card Distributor’s Website or the Card Distributor’s App. You must keep the credentials to obtain access to the secure areas safe and not disclose them to anyone.

8.2. We can, upon request, send you monthly E-statement by email setting out:

8.2.1.a reference enabling you to identify each Transaction, the payer/payee, as well as other details transferred together with the Transaction;

8.2.2.the amount of each Transaction;

8.2.3.the currency in which the Card is debited/credited;

8.2.4.the amount of any Transaction charges including their break down, where applicable;

8.2.5.the exchange rate used in the Transaction by us and the amount of the Transaction after the currency conversion, where applicable; and

8.2.6.the Transaction debit/credit value date.

If you would like us to provide you with the E-statement more often than monthly or not by email (or if agreed differently under this section 8, more often than agreed or in a different manner than agreed) then we may charge you a reasonable administration fee to cover our costs of providing the information more often or in a different manner.

8.3. If for any reason you have some available funds left in your Account following the termination of these Terms, you may redeem them by contacting us using the contact details set out in clause 2.10.

9. Loss of the Card / Transaction refunds

9.1. As soon as you become aware of any loss, theft, misappropriation or unauthorised use of the Card, PIN or other security details, you must immediately notify us using the contact details set out in section 2.10.

9.2. In the event of theft, you should consider reporting the theft to the police.

9.3. If we believe you did not authorise a particular Transaction or that a Transaction was incorrectly carried out, in order to get a refund you must contact us as soon as you notice the problem using the contact details set out in section 2.10 and in any case no later than 13 months after the amount of the Transaction has been deducted from your Account.

9.4. We will refund any unauthorised Transaction and any associated Transaction fees and charges payable under these Terms subject to the rest of this section 9.

9.5. This refund shall be made as soon as practicable and in any event no later than the end of the Business Day following the day on which we become aware of the unauthorised Transaction, unless we have reasonable grounds to suspect fraudulent behaviour and notify the appropriate authorities. If we become aware of the unauthorised Transaction on a non-Business Day or after 4:30 pm on a Business Day, we will be deemed to have only become aware of the unauthorised Transaction at the beginning of the next Business Day.

9.6. If we are liable for an incorrectly executed Transaction, we will immediately refund you the amount of the incorrectly executed Transaction together with any associated Transaction fees and charges payable under these Terms. Depending on the circumstances, we may require you to complete a dispute declaration form relating to the incorrectly executed Transaction. We may conduct an investigation either before or after any refund has been determined or made. We will let you know as soon as possible the outcome of any such investigation.

9.7. If a Transaction initiated by a merchant (for example, this happens when you use the Card in a shop) has been incorrectly executed and we receive proof from the merchant’s payment service provider that we are liable for the incorrectly executed Transaction, we will refund as appropriate and immediately the Transaction and any associated Transaction fees and charges payable under these Terms, as well as interest accruing to you as a result of non-execution or improper execution of Transaction, if any.

9.8. We are not liable for any incorrectly executed Transactions if we can show that the payment was actually received by the merchant’s payment service provider, in which case they will be liable.

9.9. If you receive a late payment from another payment service provider (e.g. a refund from a retailer’s bank) via us, we will credit the Account with the relevant amount of any associated fees and charges so that you will not be at a loss.

9.10. We will limit your liability to EUR 50 for any losses incurred in respect of unauthorised Transactions subject to the following:

9.10.1. you will be liable for all losses incurred in respect of an unauthorised Transaction if you have acted fraudulently, or have intentionally or with gross negligence failed to: (a) look after and use the Card in accordance with these Terms; or (b) notify us of the problem in accordance with this section 9;

9.10.2. except where you have acted fraudulently, you will not be liable for any losses:

(a) incurred in respect of an unauthorised Transaction which arises after your notification to us of the loss, theft or misappropriation of the Card;

(b) arising where you have used the Card in a distance contract, for example, for an online purchase;

(c) arising where the loss, theft or misappropriation of the Card was not detectable by you before the unauthorised Transaction took place;

(d) where we have failed to provide you with the appropriate means of notification;

(e) arising where we are required by law to apply Strong Customer Authentication (as defined in section 9.11) but fail to do so;

(f) the losses were caused by an act or omission of any employee, agent or branch of ours or any entity which carries out activities on our behalf.

9.11. “Strong Customer Authentication” means authentication based on the use of two or more elements that are independent, in that the breach of one element does not compromise the reliability of any other element, and designed in such a way as to protect the confidentiality of the authentication data, with the elements falling into two or more of the following categories: (a) something known only by you (“knowledge”), (b) something held only by you (“possession”); (c) something inherent to you (“inherence”). Strong Customer Authentication is used to make Transactions more secure.

9.12. We are required to provide Strong Customer Authentication when:

9.12.1. you view the available balance on your Account either through the Card Distributor’s Website or the Card Distributor’s App and/or through an AISP;

9.12.2. when you initiate an electronic Transaction, directly or when you initiate a remote electronic Transaction through a PISP; or

9.12.3. when you carry out any action through a remote channel which may imply a risk of payment fraud or other abuses.

9.13. If our investigations show that any disputed Transaction was authorised by you or you may have acted fraudulently or with gross negligence, we may reverse any refund made and you will be liable for all losses we suffer in connection with the Transaction including but not limited to the cost of any investigation carried out by us in relation to the Transaction. We will give you reasonable notice of any reverse refund.

10. Blocking of the Card

We may block the Card, in which case you will not be able to execute any further Transactions, if we have reasonable concerns about the security of the Card or suspect the Card is being used in a fraudulent or unauthorised manner. We will notify you of any such blocking in advance, or immediately after if this is not possible, and of the reasons for the suspension unless to do so would compromise reasonable security measures or otherwise be unlawful. We will unblock the Card and, where appropriate, issue a new Card, PIN and other security features free of charge as soon as practicable once the reasons for the suspension cease to exist.

11. Data Protection

11.1. You agree that we can use your personal data in accordance with these Terms and our privacy policy, which is set out on https://www.railsbank.com/privacypolicy. This privacy policy includes details of the personal information that we collect, how it will be used, and who we pass it to. You can tell us if you do not want to receive any marketing materials from us. For the avoidance of doubt, we will share your personal data with the Card Distributor.

11.2. To comply with applicable know-your-client-rules and anti-money laundering regulations (such as the Law on the Prevention of Money Laundering and Terrorist Financing of the Republic of Lithuania No VIII-275 of 19 June 1997 (as amended), we and/or the Distributor and/or each Partner shall be entitled to carry out all necessary verifications of your identity. The above mentioned Partner and the Distributor may use a recognised agency for this verification purposes (details of the agency used will be provided to you on request). Such verifications will not affect your credit score but may leave a ‘soft footprint’ on your credit history.

12. Fees and spending limits

12.1. You are liable for paying all fees arising from your use of the Card and subject to all spending limits placed on the Card by us.

12.2. The fees and spending limits on the Card are set out:

12.2.1. in the Table set out in Annex A attached hereto;

12.2.2. on the secure area of the Card Distributor’s Website; and/or

12.2.3. on the Card Distributor’s App.

13. Complaints

13.1. If you would like to make a complaint relating to these Terms, please contact us using the contact details of the Card Distributor in section 2 so we can resolve the issue. If the Card Distributor does not deal with your complaint adequately, please contact us via email to [email protected] We have internal procedures for handling complaints fairly and promptly in accordance with the Bank of Lithuania requirements. We will promptly send you a complaint acknowledgement and a copy of our complaints procedure.

13.2. Please note that you may request a copy of our complaints procedure at any time. Details of our complaints procedure can also be found on our Website. You agree to cooperate with us and provide the necessary information for us to investigate and resolve the complaint as quickly as possible.

13.3. We will respond to your complaint in writing or using another Durable Medium within 15 (fifteen) Business Days after the receipt of complaint. In exceptional cases, due to reasons which are beyond our control, we may send you a preliminary response by indicating reasons for delay and the term by which you will receive our final response. In any case the term for provision of final response will not exceed 35 (thirty-five) Business Days after the receipt of complaint. Handling of complaints is free of charge. The claims shall be submitted, handled and responded to in Lithuanian or English, unless use of another language is agreed between you and us.

13.4. Should you not be satisfied with our final response, or should we fail to respond to you within 15 Business Days from receiving the claim, you shall have a right to apply to the Bank of Lithuania in three different ways: (1) through the electronic dispute settlement facility E-Government Gateway, (2) by completing a consumer application form and sending it to the Financial Market Supervision Service of the Bank of Lithuania at Žalgirio str. 90, LT-09303 Vilnius, email: [email protected], or (3) by filling out a free-form application and sending it to the Financial Market Supervision Service of the Bank of Lithuania, Žalgirio str. 90, LT-09303 Vilnius, email: [email protected] Whichever way you choose to submit the claim, it must be in the official language of the country, i.e. Lithuanian. You may only apply to the Bank of Lithuania within 1 year after you received from us a response that is not satisfactory, or after the 15 Business Days for responding has passed and we did not respond. Addressing us first is a precondition for you applying to the Bank of Lithuania. The decision of the Bank of Lithuania is not mandatory for us or you and you, even after the dispute was solved by the Bank of Lithuania, shall have a right to apply to the court.

13.5. In case you are generally not satisfied with us or our services, where there is no claim or disagreement between you and us, you may always approach the Bank of Lithuania by addressing a complaint to the Bank of Lithuania at Totorių str. 4, LT-01121 Vilnius, email: [email protected], or to the Financial Market Supervision Service of the Bank of Lithuania, Žalgirio str. 90, LT-09303 Vilnius, email: [email protected]

13.6. The European Commission’s online dispute resolution (“ODR”) platform can be found at https://ec.europa.eu/consumers/odr/main/?event=main.adr.show. The ODR platform can be used to resolve disputes between us and consumers.

14. Third Party Payment Service Providers

14.1. This section 14 applies when you use the services of an AISP or a PISP.

14.2. We may deny an AISP or PISP access to the Account for reasonably justified and duly evidenced reasons relating to unauthorised or fraudulent access to the Account by that AISP or PISP, including the unauthorised or fraudulent initiation of a Transaction. If we do deny access in this way, we will notify you of the denial and the reason for the denial in advance if possible, or immediately after the denial of access, unless to do so would compromise reasonably justified security reasons or would be unlawful. We will allow AISP or PISP access to the Account once the reasons for denying access no longer apply.

15. Cooling off period

15.1. If you purchased the Card online or by some other remote means, for example via telephone, you are entitled to a 14-day “cooling off” period from the date you received your original Card during which you may cancel the Card. Should you wish to cancel the Card and these Terms during the “cooling off” period, please return the Card to the Card Distributor at Paywiser UAB, Mėsinių st. 5, Vilnius, Republic of Lithuania unsigned and unused within 14 days of issue and a full refund of any fees paid to date will be made to you. If you have used the Card, you will not be entitled to a refund of any funds that have been spent, including any associated fees, but we will refund any unspent available funds free of charge.

16. Other important terms

16.1. The Terms and all communications will be in English, or, by agreement between you and us, in another language agreed. We shall communicate in the official language (Lithuanian) or in English, or by agreement, in another language agreed between you and us. You may request a copy of these Terms free of charge at any time during the contractual relationship. If we need to contact you in the event of suspected or actual fraud or security threats, we will first send you an SMS or email prompting you to contact our customer services team using the contact information we have been supplied with.

16.2. We may transfer this agreement to someone else. We may transfer our rights and obligations under these Terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

16.3. You need our consent to transfer your rights to someone else. You may only transfer your rights or your obligations under these Terms to another person if we agree to this in writing.

16.4. Nobody else has any rights under this contract. This contract is between you and us. No other person shall have any rights to enforce any of its terms.

16.5. Changes to these Terms / Termination. We reserve the right to amend these Terms for any reason by giving you two-months’ notice by e-mail. You will be deemed to have accepted the changes if you raise no objection prior to the expiry of the period set out in the notice. If you do not wish to accept the changes, you may terminate these Terms immediately and without charge by proving us with notice at any time prior to the expiry of the notice period. At all other times you may terminate these Terms at any time by giving us one months’ notice in accordance with section 2.10 and we may terminate these Terms by giving you two months’ notice in accordance with section 2.11.

16.6. If a court finds part of this contract illegal, the rest will continue in force. Each of the sections and sub-sections of these Terms operate separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

16.7. Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these Terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you do not pay us on time and we do not chase you but we continue to provide the services, we can still require you to make the payment at a later date.

16.8. Which laws apply to this contract and where you may bring legal proceedings. These Terms are governed by Lithuanian law and you can bring legal proceedings in respect of these Terms in the Lithuanian courts.

Fees Schedule

Fee schedule is available on the Card Distributor’s Website or Card Distributor’s App

PAYRNET LIMITED

TERMS AND CONDITIONS FOR CONSUMERS

ELECTRONIC MONEY ACCOUNTS

BACKGROUND

This Agreement: This Agreement is with PayrNet Limited, a company incorporated in England and Wales (company number: 09883437) with its head office at “PayrNet, WeWork, 3 Waterhouse Square, 138 Holborn, London, EC1N 2SW, UK” and registered office at “Kemp House, 152 City Road, London, United Kingdom, EC1V 2NX” (hereinafter referred to in this Agreement as “Payrnet”, “we” “us”). We are an Electronic Money Institution (“EMI”) and are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (“EMR 2011”) (register reference 900594) for the issuing of electronic money.

Our relationship with Paywiser: As an EMI, we have appointed Paywiser Limited as a distributor of certain of our services. A distributor means a person who distributes or redeems electronic money on behalf of an electronic money institution but who does not provide payment services on behalf of the electronic money institution (as distributor is defined in the EMR 2011).

AGREED TERMS

OUR TERMS
- Interpreting this Agreement. In order to easily understand the terms of this Agreement, please first refer to clause 3 which, amongst other things, sets out the meaning of capitalised terms used in this Agreement.
- Why you should read it? Please read this Agreement carefully before you agree to it, as its terms apply to the services provided by us. The Agreement explains many of your responsibilities to us and our responsibilities to you, how and when this Agreement can be terminated and the extent of our liability to you. If there are any terms that you do not understand or do not wish to agree to, please contact us. You should only complete the sign‑on procedures and agree to the terms of this Agreement if you agree to be bound by this Agreement.
INFORMATION ABOUT US AND HOW TO CONTACT US
- Who we are. We are PayrNet Limited, an EMI as described above.
- Communications between us are to be in English. This Agreement is concluded in England and all communications between you and us shall be in English only.
- How to contact us. All queries should be directed towards Paywiser Limited. You can contact PayWiser Limited using details set out on paywiser.com.
- How we may contact you. If we have to contact you we will do so as follows: in the first instance via Paywiser Limited except in urgent cases. If we have not been able to contact you through Paywiser Limited or if the matter is urgent, we will contact you by writing to you at the email address(es), you provided when agreeing to this Agreement or by using any other contact details you have provided to us or have used in communications with us or the Paywiser Limited.
- ‘Writing’ includes emails. When we use the words “writing” or “written” in this Agreement, this includes emails.
- Some of the services we provide are subject to the Payment Services Regulations 2017. The Regulations regulate how payments must be transmitted and provide protection for the clients of authorised payment institutions and electronic money institutions.
INTERPRETATION
- The definitions set out in this clause apply in this Agreement as follows:

“Agreement” means this agreement and the privacy policy.

“Consumer“ means an individual who, in entering into this Agreement, is acting for a purpose other than a trade, business or profession.

“Electronic Money” means electronically stored monetary value as represented by a claim against us.

“Regulations” means the Payment Services Regulations 2017 (SI 2017 No. 752).

“Safeguarded Account” means the bank account(s) belonging to us, which are separate to our own office bank accounts, into which we will receive money from you, or on your behalf, in return for the issuance of Electronic Money.

“Services” means the e-money account services.

- Clause headings shall not affect the interpretation of this Agreement and references to clauses are to the clauses of this Agreement.

- Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.

- Unless the context otherwise requires, words in the singular shall include the plural and in the plural shall include the singular.

- A reference to a statute or statutory provision is a reference to it as amended, extended or re‑enacted from time to time and reference to a statute or statutory provision shall include all subordinate legislation made from time to time.

TERM AND BECOMING A CLIENT

- How can you agree to this Agreement? You can agree to this Agreement by checking the box online through PayWiser confirming that you agree during the registration process or by otherwise confirming the terms of this agreement.

- When will you become a client of ours? You will be bound by this Agreement once you have agreed to it as set out above and this Agreement shall remain in force until terminated in accordance with its terms.

SERVICES

- As part of the Services, we shall issue you with Electronic Money upon receipt of money from you or a third party on your behalf, store your Electronic Money and redeem Electronic Money both on your express instruction and in accordance with this Agreement and the agreement of Paywiser Limited.
- Our Services do not include the provision of advice. We do not offer advice under this Agreement on any matter including (without limit) the merits or otherwise of any currency transactions, on taxation, or markets.

ISSUING ELECTRONIC MONEY TO YOU

- Where we receive money from you or on your behalf, this money will be held by us in the relevant Safeguarded Account in exchange for the issuance by us to you of Electronic Money. Your funds will not be used by us for any other purpose and in the unlikely event that we become insolvent, your e-money is protected in an EEA-authorised credit institution or the Bank of England.
- When we issue you with Electronic Money, us holding the funds corresponding to the Electronic Money is not the same as a Bank holding your money in that (i) we cannot and will not use the funds to invest or lend to other persons or entities; (ii) the Electronic Money will not accrue interest and (iii) the Electronic Money is not a deposit and is therefore not covered by the Financial Services Compensation Scheme but it is held by us and protected in the relevant Safeguarded Account.
- You may hold Electronic Money and we may hold funds corresponding to your Electronic Money indefinitely. However, if we hold Electronic Money for you for more than two years without any activity on the account, we shall use reasonable endeavours to contact you to redeem the Electronic Money and return the corresponding funds to you. If we are unable to contact you, we may redeem the Electronic Money and send the corresponding funds, less any of our costs incurred, to the last known bank account we have on file for you.
- We accept no responsibility in the event that you send money to the incorrect account.
- We do not accept cash or cheques. We accept monies via a variety of methods of electronic funds transfer to our bank account, the details of which we shall provide to you upon request.

GENERAL LIMITATION OF LIABILITY

- Where we and another person (such as a payment services provider) are liable to you in respect of the same matter or item, you agree that our liability to you will not be increased by any limitation of liability you have agreed with that other person or because of your inability to recover from that other person beyond what our liability would have been had no such limitation been agreed and/or if that other person had paid his or its share.
- Where any loss, liability, cost or expense (a “Loss”) is suffered by you for which we would otherwise be jointly and severally or jointly liable with any third party or third parties, the extent to which such Loss shall be recoverable by you from us (as opposed to any third parties) shall be limited so as to be in proportion to the aggregate of our contribution to the overall fault for such Loss, as agreed between all of the relevant parties or, in the absence of agreement, as determined by a court of competent jurisdiction. For the purposes of assessing the contribution to the Loss in question of any third party for the purposes of this clause, no account shall be taken of any limit imposed or agreed on the amount of liability of such third party by any agreement (including any settlement agreement) made before or after such Loss occurred or was otherwise incurred.
- Nothing in this Agreement limits or excludes our liability for death or personal injury caused by our negligence or for any damage or liability incurred by you as a result of fraud or fraudulent misrepresentation by us or to the extent that the liability may not be excluded or limited by any applicable law.

COMPLAINTS

- If you feel that we have not met your expectations in the delivery of our Services, in the first instance contact Paywiser Limited using the contact email address for complaints set out on paywiser.com. If Paywiser Limited does not deal with your complaint adequately, please contact us via email to [email protected].
- We have internal procedures for handling complaints fairly and promptly in accordance with the Financial Conduct Authority’s requirements. A copy of our complaints procedure is available upon request.
- If you are an eligible complainant you may be able to take your complaint to the Financial Ombudsman Service should you not be satisfied with our final response. Eligibility criteria and information on the procedures involved are available from http://www.financial‑ombudsman.org.uk. In addition, please note that disputes may be submitted for online resolution to the European Commission Online Dispute Resolution platform.

ESTABLISHING YOUR IDENTITY

- To comply with the requirements of the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, the Proceeds of Crime Act 2002 and EU Wire Transfer Regulations (Regulation (EU) 2015/847) and related regulations, it may be necessary to obtain from you, and retain, evidence of your personal identity in our records from time to time. If satisfactory evidence is not promptly provided to us we cannot accept your instructions.
- We may keep records of the contents and results of any searches that we carry out on you in accordance with all current and applicable laws. You acknowledge that us carrying out an electronic verification check or, if required, a credit reference agency check will leave a soft footprint on your credit history.
- We are obliged to report any reasonable suspicions about activities on the electronic accounts to the regulatory authorities. This may affect our relationship with you so far as confidentiality is concerned. If we are required under legislation (including the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and the Proceeds of Crime Act 2002) to refrain from communicating with you and/or proceeding with your instructions, we can accept no liability for the consequences of being prevented from doing so.

TERMINATION

- When we may terminate or suspend this Agreement.
- We can terminate this Agreement at any time:
- If you breach this Agreement; and/or
- If we suspect that you are using the Services for any illegal purposes.
- We may suspend or terminate your access to the Services where we have reasonable grounds for concern relating to: (i) the security of your account(s), whether or not you have informed us of a security breach; and/or (ii) the suspected unauthorised or fraudulent use of your account(s).
- If Paywiser Limited notifies us that its agreement with you has terminated we can terminate this agreement with immediate effect.
- If you terminate your agreement with Paywiser Limited, or that agreement is terminated, we can terminate this Agreement with immediate effect.
- If our agreement with Paywiser Limited terminates, we will give you not less than two (2) month’s written notice to terminate this Agreement.
- We may terminate this Agreement at any time and for any reason by giving you not less than two (2) month’s written notice.
- When you may terminate this Agreement. You can terminate this Agreement at any time and for any reason by cancelling your agreement with Paywiser Limited. We may contact you to confirm your request.
- Effect of Termination. Upon the effective date of termination:
- You will no longer be able to avail yourself of the Services;
- We shall redeem any Electronic Money we hold for you and send the equivalent funds to a bank account in your name, unless agreed by both parties, less any monies which are due and owing to us.
- After termination, you may contact us using the contact details set out in clause 2.3 to redeem any Electronic Money you still hold with us.

CONFIDENTIALITY

- We undertake that we shall not at any time, disclose to any person any of your confidential information, except in the following circumstances:
- to our employees, officers, representatives or advisers who need to know such information for the purposes of exercising our rights or carrying out our obligations under or in connection with this Agreement. We shall ensure that our employees, officers, representatives or advisers to whom we disclose your confidential information comply with this clause; and
- as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority.

HOW WE MAY USE YOUR PERSONAL INFORMATION

- How we may use your personal information. We will only use your personal information as set out in our privacy policy which can be found https://railsbank.com/payrnet. (Payrnet is a wholly owned subsidiary of Railsbank Technology Limited).

GENERAL

- Recording of telephone conversations. We may record telephone conversations with or without use of a warning tone and we may use these recordings as evidence for a particular purpose or in relation to disputes as well as for our ongoing quality control and training programme. We may also maintain a record of all emails sent by or to us. All those recordings and records will be maintained at our absolute discretion and are our property and can be used by us in the case of a dispute. We do not guarantee that we will maintain such recordings or records or be able to make them available to you. You consent to the use and admissibility of any such recording as evidence in any dispute or anticipated dispute between the parties which relates to the dealings between the parties.
- Ensuring this Agreement is legally enforceable. For a contract to be legally enforceable, there needs to be an offer, acceptance and consideration. This Agreement constitutes our offer to make the Services available to you and you agreeing to this Agreement constitutes your acceptance of this offer. In order to ensure that this Agreement is legally binding, upon you becoming a client, you promise to pay us the sum of one‑Pound sterling, upon demand from us, as consideration.
- Even if we delay in enforcing under this Agreement, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under this Agreement, or if we delay in taking steps against you in respect of your breach of this Agreement, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.
- What if something unexpected happens? We shall have no liability to you under this Agreement or any Contract if we are prevented from or delayed in performing our obligations under this Agreement, or from carrying on our business, by acts, events, omissions or accidents beyond our reasonable control, including, without limitation, strikes, lock‑outs or other industrial disputes (whether involving us or any other party), failure of a utility service or transport or telecommunications network, act of God, war, riot, civil commotion, malicious damage, compliance with any law or governmental order, rule, regulation or direction, accident, breakdown of plant or machinery, fire, flood, storm or our default of sub‑contractors, provided that you are notified of such an event and its expected duration.
- If a court finds part of this Agreement illegal, the rest will continue in force. Each of the sub‑clauses, clauses and paragraphs of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining sub‑clauses, clauses and paragraphs will remain in full force and effect.
- We are not partners and neither of us may act as the other’s agent. Nothing in this Agreement is intended to or shall operate to create a partnership or joint venture between you and us, or authorise either party to act as agent for the other, and neither party shall have the authority to act in the name or on behalf of or otherwise to bind the other in any way (including, but not limited to, the making of any representation or warranty, the assumption of any obligation or liability and the exercise of any right or power).
- We can make amendments to this Agreement. We shall have the right to make such amendments to this Agreement, via Paywiser Limited, as are necessary to comply with any laws and regulations that are applicable to the performance of our obligations under this Agreement where such laws and regulations are implemented and/or amended after the date of this Agreement. Such amendments may be made at any time upon as much notice as possible to you and shall take effect following such notice, if any. If you object to the proposed amendments, you have the right to terminate this Agreement without charge before the date proposed by us for the entry into force of the changes. You will be deemed to have accepted the proposed amendments unless you notify us and terminate this Agreement before the date proposed by us for the entry into force of the changes. If we receive no objection from you, such amendments shall take effect from the date specified by us but may not affect any rights or obligations that have already arisen and will not be retrospective.
- What happens if you are jointly a client of ours with another person? Where you comprise two or more people, each person will be jointly and severally liable to us in respect of all obligations contained in this Agreement.
- Can you obtain a copy of this Agreement or additional information? You may request and we shall provide a copy of this Agreement and any information set out in Schedule 4 of the Regulations (if relevant) at any time prior to termination of this Agreement.
- We may transfer this agreement to someone else. We may transfer our rights and obligations under this Agreement to another organisation without your consent. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under this Agreement.
- You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee). You may only transfer your rights or your obligations under this Agreement to another person if we agree to this in writing.
- Nobody else has any rights under this Agreement. This contract is between you and us. No other person shall have any rights to enforce any of its terms.
- Which laws apply to this Agreement and where you may bring legal proceedings. These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts. If you live in Scotland you can bring legal proceedings in respect of the Services in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the Services in either the Northern Irish or the English courts.

PAYRNET LIMITED

TERMS AND CONDITIONS FOR CORPORATES

ELECTRONIC MONEY ACCOUNTS

BACKGROUND

Our relationship with Paywiser Limited: As an EMI, we have appointed Paywiser Limited as a distributor of certain of our services. A distributor means a person who distributes or redeems electronic money on behalf of an electronic money institution but who does not provide payment services on behalf of the electronic money institution (as distributor is defined in the EMR 2011).

AGREED TERMS

OUR TERMS
- Interpreting this Agreement. In order to easily understand the terms of this Agreement, please first refer to clause 3 which, amongst other things, sets out the meaning of capitalised terms used in this Agreement.
- Why you should read it? Please read this Agreement carefully before you agree to it, as its terms apply to the services provided by us. The Agreement explains many of your responsibilities to us and our responsibilities to you, how and when this Agreement can be terminated and the extent of our liability to you. If there are any terms that you do not understand or do not wish to agree to, please contact us. You should only complete the sign‑on procedures and agree to the terms of this Agreement if you agree to be bound by this Agreement.

INFORMATION ABOUT US AND HOW TO CONTACT US
- Who we are. We are PayrNet Limited, an EMI as described above.
- Communications between us are to be in English. This Agreement is concluded in England and all communications between you and us shall be in English only.
- How to contact us. All queries should be directed towards PayWiser Limited. You can contact PayWiser Limited using details set out on paywiser.com.
- How we may contact you. If we have to contact you we will do so as follows: in the first instance via Paywiser Limited except in urgent cases. If we have not been able to contact you through Paywiser Limited or if the matter is urgent, we will contact you by writing to you at the email address(es), you provided when agreeing to this Agreement or by using any other contact details you have provided to us or have used in communications with us or the Paywiser Limited.
- ‘Writing’ includes emails. When we use the words “writing” or “written” in this Agreement, this includes emails.
- Some of the services we provide are subject to the Payment Services Regulations 2017. The Regulations regulate how Payments must be transmitted and provide protection for the clients of authorised payment institutions and electronic money institutions.
INTERPRETATION
- The definitions set out in this clause apply in this Agreement as follows:

“Agreement” means this agreement and the privacy policy.

“Electronic Money” means electronically stored monetary value as represented by a claim against us.

“Regulations” means the Payment Services Regulations 2017 (SI 2017 No. 752).

“Services” means the e-money account services.

- Clause headings shall not affect the interpretation of this Agreement and references to clauses are to the clauses of this Agreement.
- Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.
- Unless the context otherwise requires, words in the singular shall include the plural and in the plural shall include the singular.
- A reference to a statute or statutory provision is a reference to it as amended, extended or re‑enacted from time to time and reference to a statute or statutory provision shall include all subordinate legislation made from time to time.

TERM AND BECOMING A CLIENT

- How can you agree to this Agreement? You can agree to this Agreement by checking the box online through PayWiser confirming that you agree during the registration process or by otherwise confirming the terms of this agreement.
- When will you become a client of ours? You will be bound by this Agreement once you have agreed to it as set out above and this Agreement shall remain in force until terminated in accordance with its terms.

SERVICES

- As part of the Services, we shall issue you with Electronic Money upon receipt of money from you or a third party on your behalf, store your Electronic Money and redeem Electronic Money both on your express instruction and in accordance with this Agreement and the agreement of Paywiser Limited.
- Our Services do not include the provision of advice. We do not offer advice under this Agreement on any matter including (without limit) the merits or otherwise of any currency transactions, on taxation, or markets.

ISSUING ELECTRONIC MONEY TO YOU

- For the avoidance of doubt, this section is only applicable for unregulated entities and Small Payment Institutions (SPI).
- Where we receive money from you or on your behalf, this money will be held by us in the relevant Safeguarded Account in exchange for the issuance by us to you of Electronic Money. Your funds will not be used by us for any other purpose and in the unlikely event that we become insolvent, your e-money is protected in an EEA-authorised credit institution or the Bank of England.
- When we issue you with Electronic Money, us holding the funds corresponding to the Electronic Money is not the same as a Bank holding your money in that (i) we cannot and will not use the funds to invest or lend to other persons or entities; (ii) the Electronic Money will not accrue interest; and (iii) the Electronic Money is not a deposit and is therefore not covered by the Financial Services Compensation Scheme but it is held by us and protected in the relevant Safeguarded Account.
- You may hold Electronic Money and we may hold funds corresponding to your Electronic Money indefinitely. However, if we hold Electronic Money for you for more than two years without any activity on the account, we shall use reasonable endeavours to contact you to redeem the Electronic Money and return the corresponding funds to you. If we are unable to contact you, we may redeem the Electronic Money and send the corresponding funds, less any of our costs incurred, to the last known bank account we have on file for you.
- We accept no responsibility in the event that you send money to the incorrect account.
- We do not accept cash or cheques. We accept monies via a variety of methods of electronic funds transfer to our bank account, the details of which we shall provide to you upon request.

GENERAL LIMITATION OF LIABILITY

- Where we and another person (such as a payment services provider) are liable to you in respect of the same matter or item, you agree that our liability to you will not be increased by any limitation of liability you have agreed with that other person or because of your inability to recover from that other person beyond what our liability would have been had no such limitation been agreed and/or if that other person had paid his or its share.
- Where any loss, liability, cost or expense (a “Loss”) is suffered by you for which we would otherwise be jointly and severally or jointly liable with any third party or third parties, the extent to which such Loss shall be recoverable by you from us (as opposed to any third parties) shall be limited so as to be in proportion to the aggregate of our contribution to the overall fault for such Loss, as agreed between all of the relevant parties or, in the absence of agreement, as determined by a court of competent jurisdiction. For the purposes of assessing the contribution to the Loss in question of any third party for the purposes of this clause, no account shall be taken of any limit imposed or agreed on the amount of liability of such third party by any agreement (including any settlement agreement) made before or after such Loss occurred or was otherwise incurred.
- Nothing in this Agreement limits or excludes our liability for death or personal injury caused by our negligence or for any damage or liability incurred by you as a result of fraud or fraudulent misrepresentation by us or to the extent that the liability may not be excluded or limited by any applicable law.

COMPLAINTS

- If you feel that we have not met your expectations in the delivery of our Services, in the first instance contact Paywiser Limited using the contact email address for complaints set out on paywiser.com. If Paywiser Limited does not deal with your complaint adequately, please contact us via email to [email protected].
- We have internal procedures for handling complaints fairly and promptly in accordance with the Financial Conduct Authority’s requirements. A copy of our complaints procedure is available upon request.
- If you are an eligible complainant you may be able to take your complaint to the Financial Ombudsman Service should you not be satisfied with our final response. Eligibility criteria and information on the procedures involved are available from http://www.financial‑ombudsman.org.uk. In addition, please note that disputes may be submitted for online resolution to the European Commission Online Dispute Resolution platform.

ESTABLISHING YOUR IDENTITY

- To comply with the requirements of the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, the Proceeds of Crime Act 2002 and EU Wire Transfer Regulations (Regulation (EU) 2015/847) and related regulations, it may be necessary to obtain from you, and retain, evidence of your personal identity (or directors or partners of your business and/or your ultimate beneficial owners) in our records from time to time. If satisfactory evidence is not promptly provided to us we cannot accept your instructions.
- We may keep records of the contents and results of any searches that we carry out on you (or directors or partners or shareholders of your business) in accordance with all current and applicable laws. You acknowledge that us carrying out an electronic verification check or, if required, a credit reference agency check will leave a soft footprint on the individual or entity’s credit history. You warrant that you have obtained the consent to such checks being carried out from each such individual officer and shareholder.
- We are obliged to report any reasonable suspicions about activities on the electronic accounts to the regulatory authorities. This may affect our relationship with you so far as confidentiality is concerned. If we are required under legislation (including the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and the Proceeds of Crime Act 2002) to refrain from communicating with you and/or proceeding with your instructions, we can accept no liability for the consequences of being prevented from doing so.

TERMINATION

- When we may terminate or suspend this Agreement.
- We can terminate this Agreement at any time:
- If you breach this Agreement; and/or
- if we suspect that you are using the Services for any illegal purposes.
- We may suspend or terminate your access to the Services where we have reasonable grounds for concern relating to: (i) the security of your account(s), whether or not you have informed us of a security breach; and/or (ii) the suspected unauthorised or fraudulent use of your account(s).
- If Paywiser Limited notifies us that their agreement with you has terminated we can terminate this agreement with immediate effect.

- If you terminate your agreement with Paywiser Limited or that agreement is terminated, we can terminate this agreement with immediate effect.

- When you may terminate this Agreement. You can terminate this Agreement at any time and for any reason by cancelling your agreement with Paywiser Limited. We may contact you to confirm your request.

- Effect of Termination. Upon the effective date of termination:

- you will no longer be able to avail yourself of the Services;

- we shall redeem any Electronic Money we hold for you and send the equivalent funds to a bank account in your name, unless agreed by both parties, less any monies which are due and owing to us, where relevant.
- After termination, you may contact us using the contact details set out in clause 2.3 to redeem any Electronic Money you still hold with us.

CONFIDENTIALITY

- We undertake that we shall not at any time, disclose to any person any of your confidential information, except in the following circumstances:

- to our employees, officers, representatives or advisers who need to know such information for the purposes of exercising our rights or carrying out our obligations under or in connection with this Agreement. We shall ensure that our employees, officers, representatives or advisers to whom we disclose your confidential information comply with this clause; and
- as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority.

HOW WE MAY USE YOUR PERSONAL INFORMATION AND DATA PROTECTION

- How we may use your personal information. We will only use your personal information as set out in our privacy policy which can be found https://railsbank.com/payrnet.

Anti-bribery and Corruption

- Each party shall:
- Comply with all applicable laws, statutes, regulations, codes and guidance relating to anti-bribery and anti-corruption (“Anti-Bribery Laws”), including without limitation the Bribery Act 2010;
- maintain throughout the term of this Agreement its own anti-bribery policies and procedures (including adequate procedures under the Bribery Act 2010) to ensure compliance with the Anti-Bribery Laws; and
- enforce such policies and procedures where appropriate.
- For the purpose of this clause, the meaning of adequate procedures shall be determined in accordance with section 7(2) and any guidance issued under section 9, Bribery Act 2010.
- Each party warrants that neither it nor any of its officers, employees:
- has been convicted of any offence involving bribery, corruption, fraud or dishonesty; nor
- to the best of its knowledge, has been or is the subject of any investigation, inquiry or enforcement proceedings by any governmental, administrative or regulatory body regarding any offence or alleged offence under the Anti-Bribery Laws.
- Breach of this clause shall be deemed to be a material breach of this Agreement.

GENERAL

- Recording of telephone conversations. We may record telephone conversations with or without use of a warning tone and we may use these recordings as evidence for a particular purpose or in relation to disputes as well as for our ongoing quality control and training programme. We may also maintain a record of all emails sent by or to us. All those recordings and records will be maintained at our absolute discretion and are our property and can be used by us in the case of a dispute. We do not guarantee that we will maintain such recordings or records or be able to make them available to you. You consent to the use and admissibility of any such recording as evidence in any dispute or anticipated dispute between the parties which relates to the dealings between the parties.
- Ensuring this Agreement is legally enforceable. For a contract to be legally enforceable, there needs to be an offer, acceptance and consideration. This Agreement constitutes our offer to make the Services available to you and you agreeing to this Agreement constitutes your acceptance of this offer. In order to ensure that this Agreement is legally binding, upon you becoming a client, you promise to pay us the sum of one‑Pound sterling, upon demand from us, as consideration.
- Even if we delay in enforcing under this Agreement, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under this Agreement, or if we delay in taking steps against you in respect of your breach of this Agreement that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.

- What if something unexpected happens? We shall have no liability to you under this Agreement if we are prevented from or delayed in performing our obligations under this Agreement, or from carrying on our business, by acts, events, omissions or accidents beyond our reasonable control, including, without limitation, strikes, lock‑outs or other industrial disputes (whether involving us or any other party), failure of a utility service or transport or telecommunications network, act of God, war, riot, civil commotion, malicious damage, compliance with any law or governmental order, rule, regulation or direction, accident, breakdown of plant or machinery, fire, flood, storm or our default of sub‑contractors, provided that you are notified of such an event and its expected duration.

- If a court finds part of this Agreement illegal, the rest will continue in force. Each of the sub‑clauses and clauses of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining sub‑clauses and clauses will remain in full force and effect.

- We are not partners and neither of us may act as the other’s agent. Nothing in this Agreement is intended to or shall operate to create a partnership or joint venture between you and us, or authorise either party to act as agent for the other, and neither party shall have the authority to act in the name or on behalf of or otherwise to bind the other in any way (including, but not limited to, the making of any representation or warranty, the assumption of any obligation or liability and the exercise of any right or power).

- We can make amendments to this Agreement. We shall have the right to make such amendments to this Agreement, via PayWiser, as are necessary to comply with any laws and regulations that are applicable to the performance of our obligations under this Agreement where such laws and regulations are implemented and/or amended after the date of this Agreement. Such amendments may be made at any time upon as much notice as possible to you and shall take effect following such notice, if any. If you object to the proposed amendments, you have the right to terminate this Agreement without charge before the date proposed by us for the entry into force of the changes. You will be deemed to have accepted the proposed amendments unless you notify us and terminate this Agreement before the date proposed by us for the entry into force of the changes. If no objection is received from you, such amendments shall take effect from the date specified by us but may not affect any rights or obligations that have already arisen and will not be retrospective.

- What happens if you are jointly a client of ours with another person? Where you comprise two or more people, each person will be jointly and severally liable to us in respect of all obligations contained in this Agreement.

- Can you obtain a copy of this Agreement or additional information? You may request and we shall provide a copy of this Agreement and any information set out in Schedule 4 of the Regulations (if relevant) at any time prior to termination of this Agreement.

- We may transfer this Agreement to someone else. We may transfer our rights and obligations under this Agreement to another organisation without your consent. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under this Agreement.

- You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee). You may only transfer your rights or your obligations under this Agreement to another person if we agree to this in writing.

- Nobody else has any rights under this Agreement. This agreement is between you and us. No other person shall have any rights to enforce any of its terms.

- Which laws apply to this Agreement and where you may bring legal proceedings. This Agreement and any disputes or claims arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims) are governed by, and construed in accordance with, the laws of England. You irrevocably agree that the courts of England have exclusive jurisdiction to settle any dispute or claim or other matter that arises out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims).

Cardwiser Privacy Policy

Paywiser built the Cardwiser app as a Free app. This SERVICE is provided by Paywiser at no cost and is intended for use as is.

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.

If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at Cardwiser unless otherwise defined in this Privacy Policy.

Information Collection and Use

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to Picture verification, mobile number, voice biometrics. The information that we request will be retained by us and used as described in this privacy policy.

The app does use third party services that may collect information used to identify you.

Link to privacy policy of third party service providers used by the app

- Google Play Services
- Apple Privacy Policy

Log Data

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device’s internal memory.

This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers

We may employ third-party companies and individuals due to the following reasons:

- To facilitate our Service;
- To provide the Service on our behalf;
- To perform Service-related services; or
- To assist us in analyzing how our Service is used.

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

Security

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

Links to Other Sites

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Children’s Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page.

This policy is effective as of 2020-12-18

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at [email protected]

Terms & Conditions

The app does use third party services that declare their own Terms and Conditions.

Link to Terms and Conditions of third party service providers used by the app

- Google Play Services
- Apple Media Services

Changes to This Terms and Conditions

These terms and conditions are effective as of 2020-12-18

Contact Us

If you have any questions or suggestions about our Terms and Conditions, do not hesitate to contact us at [email protected]

PAYWISER LIMITED

DATA PROTECTION POLICY

CONTENTS

1. Introduction
2. Definitions
3. Principles for Protecting Personal Data
4. Rights of Data Subjects
5. Data Protection Governance Structure
6. Responsibilities for Data Protection Compliance
7. Transfer/Commissioned Data Processing
8. Transfer of Customer Data

Introduction

Paywiser Limited is a company incorporated in England and Wales under the company number 10677553 (the “Company”). The
Company is committed to data protection and privacy. We respect and protects the rights of individuals, particularly the
right to data protection and privacy as far as the processing and use of personal data is concerned. This Data
Protection Policy (“Policy”) is approved by the Board of Directors of the Company. The Data Protection Officer of the
Company shall be responsible for the compliance and enforcement of data protection and privacy.

This Policy defines the standard for the data protection compliant processing of personal data. It defines the
requirements for business processes that involve personal data and assigns clear responsibilities.

The Company must ensure that all processes involving the processing of personal data are able to fulfill the
requirements stated in this Policy. As employers, the Company have the responsibility for the processing of their
employees’ personal data. When handling personal data in course of their duties, all employees of the Company are
required to follow the requirements of this Policy.

The principles mentioned in this Policy are based on the European data protection and privacy laws and take into account
the requirements of the EU General Data Protection Regulation (Regulation (EU) 2016/679 – GDPR). These
principles apply to all staff members of the Company.

Definitions

Anonymous data & Anonymized data

Anonymous and anonymized data is data that does not refer to an identifiable natural

person. Even if other data or additional information were added, identification of the

natural person is not (or is no longer) possible. This Policy does not apply to such data.

Biometric data

Personal data resulting from specific technical processing relating to the physical, physiological, or behavioral
characteristics of a natural person, which allow or confirm the unique identification of that natural person (such as
fingerprints or facial images).

Consent

Any freely given and unambiguous statement or other clear affirmative action by which

the data subject indicates in an informed manner that he or she agrees to the processing of

his or her personal data for a specific purpose.

Controller

Any natural or legal person that, alone or jointly with others, determines the purposes and means of the processing of
personal data. For the personal data of its employees, customers, suppliers, partners, or other persons, Paywiser
Limited is regarded as the controller.

Data concerning health

Personal data related to the physical or mental health of a natural person, including the

provision of health care services, which reveal information about his or her health status.

Erasure

The irretrievable obliteration or physical destruction of saved personal data or its anonymization in such a way that
makes it impossible to re-identify the natural person after the fact.

Genetic data

Personal data relating to the inherited or acquired genetic characteristics of a natural person that gives unique
information about the physiology or the health of that natural person and which result in particular from an analysis of
a biological sample from the natural person in question.

Personal Data

Any information relating to an identified or identifiable natural person (“data subject”). An identifiable natural
person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name,
an identification number, location data, an online identifier or to one or more factors specific to the physical,
physiological, genetic, mental, economic, cultural, or social identity of that natural person. Natural persons can be
identified directly based on, for example, names, phone numbers, e-mail addresses, postal addresses, user IDs, tax and
social insurance numbers or indirectly through a combination of any other information. The personal data that is subject
to this Policy includes data of employees, applicants, customers, suppliers and users of websites and services of the
Company. It can be contained in the Company’s own systems, in systems which third parties operate on behalf of the
Company, or in the systems operated by the customers themselves, by the Company, or by third parties, to the extent that
employees of the Company can gain access to the saved personal data there in the course of support and consulting
activities.

Processor

A natural or legal person that processes personal data on behalf of the controller, such as an external service provider
or a different Paywiser company that is not the controller itself.

Processing

Processing means any operation or set of operations which is performed on personal data or on sets of personal data,
whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or
alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available,
alignment or combination, restriction, erasure, or destruction. The anonymization of data also represents a processing
of personal data.

Pseudonymization

Processing of personal data in such a manner that the personal data can no longer be attributed to a specific data
subject without the use of additional information, provided that such additional information is kept
separately and is subject to technical and organizational measures to ensure that the personal data is not
attributed to an identified or identifiable natural person. Pseudonymized data constitutes personal data as defined in
the GDPR; therefore, this Policy also applies to pseudonymized data.

Special categories of personal data

Certain personal data that is particularly sensitive due to its nature, whose processing is

likely to result in significant risks for the rights of the data subject and therefore requires

special protection. This includes data concerning health, Genetic data, biometric data

processed to uniquely identifying a personal data, information revealing racial or ethnic

origin, political opinions, religious or philosophical beliefs, trade union membership,

sex life, or sexual orientation. Depending on the context, this may also include data that

could be misused for identity theft purposes, such as social security-, credit card-

and bank account numbers, ID-card or driver’s license-numbers, also personal data

regarding criminal investigation proceedings, convictions, and crimes, or data that is

subject to professional confidentiality obligation.

Third party

A natural or legal person, public authority, agency, or body other than

(a) the data subject,

(b) the controller,

(d) the persons who are authorized to process personal data under the direct authority of the controller or processor.

Recipient

A natural or legal person, public authority, agency or another body, to which the personal data is disclosed, whether a
third party or not. However, public authorities which may receive personal data in the framework of a particular
inquiry in accordance with the laws of a particular jurisdiction shall not be regarded as recipients.

Principles for Protecting Personal Data

Personal data shall only be processed lawfully and in accordance with the principles set out below.when a data subject
has granted his or her consent (for example, when registering on a website or subscribing to a newsletter).

1. Lawfulness, Fairness, and TransparencyPersonal data may only be processed lawfully, fairly and in a
  transparent manner in relation to the data subject. This is the case when: processing is legally
  permitted in the specific case. Among others, the laws permit all cases of data processing that:

1. - - - are necessary for the performance of contracts with the data subject (e.g. the
        storage and use of necessary personal data in the context of an employment- or
        service contract),
      - are necessary to take steps at the request of the data subject prior to entering
        a contract (e.g. a customer requests information about product X and then
        purchases said product. The data necessary to send the information material and
        to execute the contractual relationship may be processed),
      - are necessary for compliance with legal obligations, e.g. due to tax or social
        insurance laws,
      - are necessary to protect the vital interests of the data subject or of another
        natural person,
      - are necessary for the purposes of the legitimate interests pursued by the
        controller or by a third party, except where such interests are overridden by
        the interests or fundamental rights and freedoms of the data subject (e.g. for
        direct marketing),
      - include decision-making based on automated processing in an individual case that
        produces legal effects concerning the data subject, when this automated decision
        is legally permitted, required for the performance of a contract with the
        data subject, or for which the data subject has explicitly granted
        consent, orPersonal data should be collected directly from the data
        subject. If this is not the case, the data subject must be notified,
        particularly about the types of personal data that are being collected,
        processed, and/or used and for which specific purposes this occurs.
2. Specific PurposePersonal data may only be collected for specific, explicit purposes. It may not be
  processedin a manner that is incompatible with those purposes.The specific purpose must be defined before data collection. Processing for a purpose other than that
  for which the data have been collected is only permitted in exceptional cases, when a law permits
  processing for another purpose or if it is based on the data subject’s consent. To ascertain whether the
  other purposes are compatible with the agreed purposes, the reasonable expectations of the data subject
  towards the Company with regard to such further processing, the type of data used, the possible
  consequences of the intended further processing for the data subject, and measures of encryption or
  pseudonymization must be taken into account.
3. Data Minimization Personal data may only be collected to the extent which is absolutely necessary to
  fulfill the defined purpose. Processing must be adequate, relevant, and limited to what is necessary in
  relation to the purposes for which the data is processed.
4. Accuracy Personal data must be accurate and up to date. Every reasonable step must be taken to ensure
  that personal data that is inaccurate, having regard to the purposes for which it is processed, is
  erased or rectified without delay. All processes that involve the processing of personal data must
  provide an option for rectification and update.
5. Storage Limitation (Obligation to Erase) Personal data may only be stored as long as is necessary for
  the purposes for which it is processed or due to other legal requirements, particularly to comply with
  statutory retention periods. After this point, personal data must generally be erased or anonymized.
  All processes for processing personal data must contain an option for erasure or blocking to the extent
  required by law.
6. Integrity, Availability, and Confidentiality Personal data and its processing operations must always be
  appropriately protected by means of technical and organizational measures. This includes, in particular,
  suitable measures to protect against unauthorized or unlawful processing, accidental loss, destruction
  or damage, accidental disclosure and unauthorized access.
7. Processing of Special Categories of Personal Data The collection, processing, and use of special
  categories of personal data should always be transparent for the data subject. Unless the collection and
  processing of such data is explicitly authorized by law, e.g. if necessary, for carrying out
  obligations and exercising rights in the field of employment, social security, social protection, it
  should only be collected on the basis of explicit prior notification and consent of the data subjects.The consent must explicitly refer to these special data categories and their processing for one or more
  specified purposes. Unless applicable laws stipulate otherwise, special categories of personal data may
  only be processed and used with the explicit consent of the data subjects. Increased protective measures
  must be established to protect the data (e.g. physical security measures, access restrictions and
  encryption).

Rights of Data Subjects

1. Right to be informed

Data subjects have the right to be informed about the collection and use of their personal data. This is a key
transparency requirement under the GDPR. The Company must provide the data subjects with information including: our
purposes for processing their personal data, our retention periods for that personal data, and who it will be shared
with.

1. Right of Access and Data Portability

Data subjects have the right to obtain from the Company confirmation as to whether or not personal data concerning her
or him are being processed. In such case, the Company shall provide for access as required by law. The information is
provided in writing, unless the data subject submitted the request for information electronically. The information to be
provided to the Data Subjects must include the purpose of storage, the recipients of the data, and all other legally
required information pursuant to Article 15 of the GDPR. The data subject must be provided with a copy of the personal
data that are undergoing processing. Upon request by the data subject, the data that he or she has provided to the
controller must be made available in a structured, commonly used and machine-readable format.

1. Right to Rectification, Restriction, and Erasure

When personal data prove to be incorrect, incomplete, or out-of-date, each data subject has the right to rectification
of his or her personal data. This can be the case, for example, if the data subject has changed history her name due to
marriage. Data subjects also have the right to obtain restriction of processing of their personal data when one of the
following applies:

- The data subject contests the accuracy of the personal data and verification of the accuracy of the
  personal data takes some time. In this case, the data subject can demand restriction for the period of
  the verification of the accuracy.
- The processing is unlawful, and the data subject opposes the erasure of the personal data and requests
  the restriction of its use instead.
- The controller no longer needs the personal data for the purposes of the processing, but they are
  required by the data subject for the establishment, exercise, or defense of legal claims. Should it
  become apparent that certain information have a respective value to the data subject, the data subject
  must be notified of the pending erasure with reasonable notice.
- The data subject has objected to processing for the duration of the clarification as to whether the
  legitimate interests for processing outweigh those of the data subject.

Within the restriction process, the stored personal data of the data subject must be marked with the aim to restrict
access and limit their further processing. In addition, data subjects have the right to the erasure of their personal
data in the following cases:

- The purpose of the data processing no longer applies.
- The data subject withdraws his or her consent for a specific purpose of processing.
- Address data is used for direct marketing purposes and the data subject objects to such use.
- The data is processed unlawfully.
- Erasure is required to meet legal obligations.

All processes in which personal data is collected, processed, or used must include a concept for the regular retention
and deletion of personal data. This concept must ensure that personal data is erased in a timely manner after the
fulfillment of the specified purpose or the lapse of the authorization for storage, particularly statutory retention
terms. Instead of erasure, personal data may also be anonymized. If there is an obligation to erase personal data and
said data has already been made public, other controllers shall be notified of the request to erase his or her data,
including all links to this data.

1. Right to Object

Data subjects have the right to object to data processing when the Company processes personal data based on a
decision in favor of its legitimate interests. In this case, the data subject must claim his or her own rights or
interests on grounds relating to his or her particular situation, which outweigh the Company’s legitimate interest to
process the data. Data subjects can object to the processing of their personal data for purpose of direct marketing,
including profiling if such is related to direct marketing, at any time and without giving reasons. If an objection is
raised, the Company will not process this data further for these purposes. This does not apply where the processing
cannot be ceased due to compelling legitimate grounds for the processing, particularly the establishment, exercise, or
defense of legal claims.

1. Right to Complain

If a data subject wishes to file a complaint with regard to processing of her or his personal data, they can do so
directly in an e-mail to the data protection officer:

[email protected]

The data subject must be notified about all measures taken based on her or request within one month at the latest.

Data Protection Governance Structure

Responsibility for compliance with data protection requirements rests with the board of directors of the Company that
processes the personal data for its business purposes. Executive management may delegate the task to fulfill this
responsibility to managers at different levels within the organizational framework and the associated business
processes.

Responsibilities for Data Protection Compliance
Management of Paywiser

The board of directors of the Company must ensure that the processes in their areas of responsibility in which personal
data is processed (herein: “processes”) meet the requirements of this Policy.

Employees

All employees are required to handle all personal data that they can access in the course of performing their duties for
Paywiser Limited with strict confidentiality and to not collect, process, or use such data without authorization.
Employees of the Company may only process personal data within the scope necessary to fulfill their duties as defined by
their employment contracts. If the processing of personal data is not recognizably prohibited for an employee, he or she
may assume the legality of the instructions from their superiors. When in doubt, employees should seek clarification
from their managers.

Transfer/Commissioned Data Processing

If personal data is to be transferred to an associated company, a review must first take place as to whether contractual
agreements regarding data protection and privacy are needed. Such review is required only when an associated company or
external service provider is to process personal data on behalf of the Company (referred to as “transfer for processing
purposes”). If personal data that is to be transferred to a country outside the EEA, it must be ensured beforehand that
an appropriate level of protection is guaranteed, pursuant to Article 44 of the GDPR.

In addition, the following rules apply to the transfer of personal data:

Transfer for commissioned processing:

If the Company commissions an associated entity or an external company with the processing of personal data, it remains
responsible for compliance with data protection and privacy requirements.

Transfer for the recipients’ own purposes:

The Company may transfer personal data to an associated company or an external company for their own purposes only if
this is legally permitted or required, or if the data subjects have first given consent.

Transfer of Customer Data

The Company processes personal data of customers and on behalf of customers. The use and, if relevant, transfer of such
customer data must be in accordance with the applicable laws.

Paywiser Limited

October 2020

Terms & Conditions

The app does use third party services that declare their own Terms and Conditions.

Link to Terms and Conditions of third party service providers used by the app

- Google Play Services
- Apple Media Services

Changes to This Terms and Conditions

These terms and conditions are effective as of 2020-12-18

Contact Us

If you have any questions or suggestions about our Terms and Conditions, do not hesitate to contact us at [email protected]

Cardwiser Privacy Policy

Paywiser built the Cardwiser app as a Free app. This SERVICE is provided by Paywiser at no cost and is intended for use as is.

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at Cardwiser unless otherwise defined in this Privacy Policy.

Information Collection and Use

The app does use third party services that may collect information used to identify you.

Link to privacy policy of third party service providers used by the app

- Google Play Services
- Apple Privacy Policy

Log Data

Cookies

Service Providers

We may employ third-party companies and individuals due to the following reasons:

- To facilitate our Service;
- To provide the Service on our behalf;
- To perform Service-related services; or
- To assist us in analyzing how our Service is used.

Security

Links to Other Sites

Children’s Privacy

Changes to This Privacy Policy

This policy is effective as of 2020-12-18

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at [email protected]

PAYRNET LIMITED

TERMS AND CONDITIONS FOR CORPORATES

ELECTRONIC MONEY ACCOUNTS

BACKGROUND

AGREED TERMS

OUR TERMS
- Interpreting this Agreement. In order to easily understand the terms of this Agreement, please first refer to clause 3 which, amongst other things, sets out the meaning of capitalised terms used in this Agreement.
- Why you should read it? Please read this Agreement carefully before you agree to it, as its terms apply to the services provided by us. The Agreement explains many of your responsibilities to us and our responsibilities to you, how and when this Agreement can be terminated and the extent of our liability to you. If there are any terms that you do not understand or do not wish to agree to, please contact us. You should only complete the sign‑on procedures and agree to the terms of this Agreement if you agree to be bound by this Agreement.

INFORMATION ABOUT US AND HOW TO CONTACT US
- Who we are. We are PayrNet Limited, an EMI as described above.
- Communications between us are to be in English. This Agreement is concluded in England and all communications between you and us shall be in English only.
- How to contact us. All queries should be directed towards PayWiser Limited. You can contact PayWiser Limited using details set out on paywiser.com.
- How we may contact you. If we have to contact you we will do so as follows: in the first instance via Paywiser Limited except in urgent cases. If we have not been able to contact you through Paywiser Limited or if the matter is urgent, we will contact you by writing to you at the email address(es), you provided when agreeing to this Agreement or by using any other contact details you have provided to us or have used in communications with us or the Paywiser Limited.
- ‘Writing’ includes emails. When we use the words “writing” or “written” in this Agreement, this includes emails.
- Some of the services we provide are subject to the Payment Services Regulations 2017. The Regulations regulate how Payments must be transmitted and provide protection for the clients of authorised payment institutions and electronic money institutions.
INTERPRETATION
- The definitions set out in this clause apply in this Agreement as follows:

“Agreement” means this agreement and the privacy policy.

“Electronic Money” means electronically stored monetary value as represented by a claim against us.

“Regulations” means the Payment Services Regulations 2017 (SI 2017 No. 752).

“Services” means the e-money account services.

Clause headings shall not affect the interpretation of this Agreement and references to clauses are to the clauses of this Agreement.

Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.

Unless the context otherwise requires, words in the singular shall include the plural and in the plural shall include the singular.

A reference to a statute or statutory provision is a reference to it as amended, extended or re‑enacted from time to time and reference to a statute or statutory provision shall include all subordinate legislation made from time to time.

TERM AND BECOMING A CLIENT

How can you agree to this Agreement? You can agree to this Agreement by checking the box online through PayWiser confirming that you agree during the registration process or by otherwise confirming the terms of this agreement.

When will you become a client of ours? You will be bound by this Agreement once you have agreed to it as set out above and this Agreement shall remain in force until terminated in accordance with its terms.

SERVICES

As part of the Services, we shall issue you with Electronic Money upon receipt of money from you or a third party on your behalf, store your Electronic Money and redeem Electronic Money both on your express instruction and in accordance with this Agreement and the agreement of Paywiser Limited.

Our Services do not include the provision of advice. We do not offer advice under this Agreement on any matter including (without limit) the merits or otherwise of any currency transactions, on taxation, or markets.

ISSUING ELECTRONIC MONEY TO YOU

For the avoidance of doubt, this section is only applicable for unregulated entities and Small Payment Institutions (SPI).

Where we receive money from you or on your behalf, this money will be held by us in the relevant Safeguarded Account in exchange for the issuance by us to you of Electronic Money. Your funds will not be used by us for any other purpose and in the unlikely event that we become insolvent, your e-money is protected in an EEA-authorised credit institution or the Bank of England.

When we issue you with Electronic Money, us holding the funds corresponding to the Electronic Money is not the same as a Bank holding your money in that (i) we cannot and will not use the funds to invest or lend to other persons or entities; (ii) the Electronic Money will not accrue interest; and (iii) the Electronic Money is not a deposit and is therefore not covered by the Financial Services Compensation Scheme but it is held by us and protected in the relevant Safeguarded Account.

You may hold Electronic Money and we may hold funds corresponding to your Electronic Money indefinitely. However, if we hold Electronic Money for you for more than two years without any activity on the account, we shall use reasonable endeavours to contact you to redeem the Electronic Money and return the corresponding funds to you. If we are unable to contact you, we may redeem the Electronic Money and send the corresponding funds, less any of our costs incurred, to the last known bank account we have on file for you.

We accept no responsibility in the event that you send money to the incorrect account.

We do not accept cash or cheques. We accept monies via a variety of methods of electronic funds transfer to our bank account, the details of which we shall provide to you upon request.

GENERAL LIMITATION OF LIABILITY

Where we and another person (such as a payment services provider) are liable to you in respect of the same matter or item, you agree that our liability to you will not be increased by any limitation of liability you have agreed with that other person or because of your inability to recover from that other person beyond what our liability would have been had no such limitation been agreed and/or if that other person had paid his or its share.

Where any loss, liability, cost or expense (a “Loss”) is suffered by you for which we would otherwise be jointly and severally or jointly liable with any third party or third parties, the extent to which such Loss shall be recoverable by you from us (as opposed to any third parties) shall be limited so as to be in proportion to the aggregate of our contribution to the overall fault for such Loss, as agreed between all of the relevant parties or, in the absence of agreement, as determined by a court of competent jurisdiction. For the purposes of assessing the contribution to the Loss in question of any third party for the purposes of this clause, no account shall be taken of any limit imposed or agreed on the amount of liability of such third party by any agreement (including any settlement agreement) made before or after such Loss occurred or was otherwise incurred.

Nothing in this Agreement limits or excludes our liability for death or personal injury caused by our negligence or for any damage or liability incurred by you as a result of fraud or fraudulent misrepresentation by us or to the extent that the liability may not be excluded or limited by any applicable law.

COMPLAINTS

If you feel that we have not met your expectations in the delivery of our Services, in the first instance contact Paywiser Limited using the contact email address for complaints set out on paywiser.com. If Paywiser Limited does not deal with your complaint adequately, please contact us via email to [email protected].

We have internal procedures for handling complaints fairly and promptly in accordance with the Financial Conduct Authority’s requirements. A copy of our complaints procedure is available upon request.

If you are an eligible complainant you may be able to take your complaint to the Financial Ombudsman Service should you not be satisfied with our final response. Eligibility criteria and information on the procedures involved are available from http://www.financial‑ombudsman.org.uk. In addition, please note that disputes may be submitted for online resolution to the European Commission Online Dispute Resolution platform.

ESTABLISHING YOUR IDENTITY

To comply with the requirements of the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, the Proceeds of Crime Act 2002 and EU Wire Transfer Regulations (Regulation (EU) 2015/847) and related regulations, it may be necessary to obtain from you, and retain, evidence of your personal identity (or directors or partners of your business and/or your ultimate beneficial owners) in our records from time to time. If satisfactory evidence is not promptly provided to us we cannot accept your instructions.

We may keep records of the contents and results of any searches that we carry out on you (or directors or partners or shareholders of your business) in accordance with all current and applicable laws. You acknowledge that us carrying out an electronic verification check or, if required, a credit reference agency check will leave a soft footprint on the individual or entity’s credit history. You warrant that you have obtained the consent to such checks being carried out from each such individual officer and shareholder.

We are obliged to report any reasonable suspicions about activities on the electronic accounts to the regulatory authorities. This may affect our relationship with you so far as confidentiality is concerned. If we are required under legislation (including the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and the Proceeds of Crime Act 2002) to refrain from communicating with you and/or proceeding with your instructions, we can accept no liability for the consequences of being prevented from doing so.

TERMINATION

When we may terminate or suspend this Agreement.

We can terminate this Agreement at any time:

If you breach this Agreement; and/or

if we suspect that you are using the Services for any illegal purposes.

We may suspend or terminate your access to the Services where we have reasonable grounds for concern relating to: (i) the security of your account(s), whether or not you have informed us of a security breach; and/or (ii) the suspected unauthorised or fraudulent use of your account(s).

If Paywiser Limited notifies us that their agreement with you has terminated we can terminate this agreement with immediate effect.

If you terminate your agreement with Paywiser Limited or that agreement is terminated, we can terminate this agreement with immediate effect.

When you may terminate this Agreement. You can terminate this Agreement at any time and for any reason by cancelling your agreement with Paywiser Limited. We may contact you to confirm your request.

Effect of Termination. Upon the effective date of termination:

you will no longer be able to avail yourself of the Services;

we shall redeem any Electronic Money we hold for you and send the equivalent funds to a bank account in your name, unless agreed by both parties, less any monies which are due and owing to us, where relevant.

After termination, you may contact us using the contact details set out in clause 2.3 to redeem any Electronic Money you still hold with us.

CONFIDENTIALITY

We undertake that we shall not at any time, disclose to any person any of your confidential information, except in the following circumstances:

to our employees, officers, representatives or advisers who need to know such information for the purposes of exercising our rights or carrying out our obligations under or in connection with this Agreement. We shall ensure that our employees, officers, representatives or advisers to whom we disclose your confidential information comply with this clause; and

as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority.

HOW WE MAY USE YOUR PERSONAL INFORMATION AND DATA PROTECTION

How we may use your personal information. We will only use your personal information as set out in our privacy policy which can be found https://railsbank.com/payrnet.

Anti-bribery and Corruption

Each party shall:

Comply with all applicable laws, statutes, regulations, codes and guidance relating to anti-bribery and anti-corruption (“Anti-Bribery Laws”), including without limitation the Bribery Act 2010;

maintain throughout the term of this Agreement its own anti-bribery policies and procedures (including adequate procedures under the Bribery Act 2010) to ensure compliance with the Anti-Bribery Laws; and

enforce such policies and procedures where appropriate.

For the purpose of this clause, the meaning of adequate procedures shall be determined in accordance with section 7(2) and any guidance issued under section 9, Bribery Act 2010.

Each party warrants that neither it nor any of its officers, employees:

has been convicted of any offence involving bribery, corruption, fraud or dishonesty; nor

to the best of its knowledge, has been or is the subject of any investigation, inquiry or enforcement proceedings by any governmental, administrative or regulatory body regarding any offence or alleged offence under the Anti-Bribery Laws.

Breach of this clause shall be deemed to be a material breach of this Agreement.

GENERAL

Recording of telephone conversations. We may record telephone conversations with or without use of a warning tone and we may use these recordings as evidence for a particular purpose or in relation to disputes as well as for our ongoing quality control and training programme. We may also maintain a record of all emails sent by or to us. All those recordings and records will be maintained at our absolute discretion and are our property and can be used by us in the case of a dispute. We do not guarantee that we will maintain such recordings or records or be able to make them available to you. You consent to the use and admissibility of any such recording as evidence in any dispute or anticipated dispute between the parties which relates to the dealings between the parties.

Ensuring this Agreement is legally enforceable. For a contract to be legally enforceable, there needs to be an offer, acceptance and consideration. This Agreement constitutes our offer to make the Services available to you and you agreeing to this Agreement constitutes your acceptance of this offer. In order to ensure that this Agreement is legally binding, upon you becoming a client, you promise to pay us the sum of one‑Pound sterling, upon demand from us, as consideration.

Even if we delay in enforcing under this Agreement, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under this Agreement, or if we delay in taking steps against you in respect of your breach of this Agreement that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.

What if something unexpected happens? We shall have no liability to you under this Agreement if we are prevented from or delayed in performing our obligations under this Agreement, or from carrying on our business, by acts, events, omissions or accidents beyond our reasonable control, including, without limitation, strikes, lock‑outs or other industrial disputes (whether involving us or any other party), failure of a utility service or transport or telecommunications network, act of God, war, riot, civil commotion, malicious damage, compliance with any law or governmental order, rule, regulation or direction, accident, breakdown of plant or machinery, fire, flood, storm or our default of sub‑contractors, provided that you are notified of such an event and its expected duration.

If a court finds part of this Agreement illegal, the rest will continue in force. Each of the sub‑clauses and clauses of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining sub‑clauses and clauses will remain in full force and effect.

We are not partners and neither of us may act as the other’s agent. Nothing in this Agreement is intended to or shall operate to create a partnership or joint venture between you and us, or authorise either party to act as agent for the other, and neither party shall have the authority to act in the name or on behalf of or otherwise to bind the other in any way (including, but not limited to, the making of any representation or warranty, the assumption of any obligation or liability and the exercise of any right or power).

We can make amendments to this Agreement. We shall have the right to make such amendments to this Agreement, via PayWiser, as are necessary to comply with any laws and regulations that are applicable to the performance of our obligations under this Agreement where such laws and regulations are implemented and/or amended after the date of this Agreement. Such amendments may be made at any time upon as much notice as possible to you and shall take effect following such notice, if any. If you object to the proposed amendments, you have the right to terminate this Agreement without charge before the date proposed by us for the entry into force of the changes. You will be deemed to have accepted the proposed amendments unless you notify us and terminate this Agreement before the date proposed by us for the entry into force of the changes. If no objection is received from you, such amendments shall take effect from the date specified by us but may not affect any rights or obligations that have already arisen and will not be retrospective.

What happens if you are jointly a client of ours with another person? Where you comprise two or more people, each person will be jointly and severally liable to us in respect of all obligations contained in this Agreement.

Can you obtain a copy of this Agreement or additional information? You may request and we shall provide a copy of this Agreement and any information set out in Schedule 4 of the Regulations (if relevant) at any time prior to termination of this Agreement.

We may transfer this Agreement to someone else. We may transfer our rights and obligations under this Agreement to another organisation without your consent. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under this Agreement.

You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee). You may only transfer your rights or your obligations under this Agreement to another person if we agree to this in writing.

Nobody else has any rights under this Agreement. This agreement is between you and us. No other person shall have any rights to enforce any of its terms.

Which laws apply to this Agreement and where you may bring legal proceedings. This Agreement and any disputes or claims arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims) are governed by, and construed in accordance with, the laws of England. You irrevocably agree that the courts of England have exclusive jurisdiction to settle any dispute or claim or other matter that arises out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims).

PAYWISER DATA PROTECTION POLICY

GENERAL PROVISIONS

This Data Protection Policy sets out and explains how Paywiser UAB (“Paywiser”) collects and processes your personal data and applies to all personal information collection and processing activities carried out by Paywiser. Paywiser is a data controller in respect of personal information that we process in connection with our business (including the products and services that we provide through the Paywiser Wallet). In this policy, references to “we”, “us” or “our” are references to Paywiser. Different Paywiser companies may control and process your data depending on where you are ordinarily resident.

The purpose of this Data Protection Policy is to inform you about the ways your personal data is collected and processed and to ensure a fair and transparent process of personal data processing by Paywiser. It is very important that you carefully read this Data Protection Policy, because its terms and conditions will apply every time you use/express an intention to use our services, browse our website www.paywiser.com or any other Paywiser websites (“websites”) and in other cases, where your data is processed.

We confirm that when processing your personal data, Paywiser observes:

- Regulation (EU) 2016/679 of the European Parliament and of the Council on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (“General Data Protection Regulation”),
- Law on Legal Protection of Personal Data of the Republic of Lithuania;
- Law on Electronic Communications of the Republic of Lithuania;
- Other legislation governing the protection of personal data;
- Instructions/recommendations of the supervisory authority and other competent authorities.

TERMS AND DEFINITIONS

The terms used in this Privacy Policy shall be understood as follows:

- Personal Data – any information, directly or indirectly related to you, which is received directly from you or from other sources and may be used to identify you.
- Processing – any operation which is performed on personal data or on sets of personal data, in particular the collection (e.g. information needed for KYC section), recording (e.g. using a form, software or camera), saving (e.g. in a database, Excel file or personnel file), changing (e.g. updating), Transfer (e.g. to an authority or an affiliated company), matching, linking, blocking or deletion of personal data.
- Data Subject – you or any natural person (including the director/representative or the true beneficiary of a legal person), who is using/has expressed and intention to use Paywiser’s services or is otherwise related to Paywiser, and whose data is processed by Paywiser.
- Onboarding – process of understanding the customer’s relationship with Paywiser from the point of inception.

Other terms used in this Data Protection Policy shall be understood as they are defined in the General Data Protection Regulation (EU) 2016/679 and other legislation governing the protection of personal data.

DATA PROCESSING PRINCIPLES

Paywiser is committed to processing data in accordance with its responsibilities under the various legal requirements in different jurisdictions in terms of data privacy and data protection.

All personal data shall be:

- processed lawfully, fairly and in a transparent manner in relation to individuals;
- collected for specified, explicit and legitimate purposes and not further processed in a manner that incompatible with those purposes; further processing for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes shall not be considered to be incompatible with the initial purposes;
- adequate, relevant and limited to what is necessary in relation to the purposes for which they are processed;
- accurate and, where necessary, kept up to date; every reasonable step must be taken to ensure that personal data that are inaccurate, having regard to the purposes for which they are processed, are erased or rectified without delay;
- kept in a form which permits identification of data subjects for no longer than is necessary for the purposes for which the personal data are processed; personal data may be stored for longer periods insofar as the personal data will be processed solely for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes subject to implementation of the appropriate technical and organizational measures in order to safeguard the rights and freedoms of individuals; and processed in a manner that ensures appropriate security of the personal data, including protection against unauthorized or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organizational measures.

WHAT PERSONAL DATA DO WE PROCESS?

We collect and process various categories of personal information at the start of, and for the duration of, your relationship with us. We will limit the collection and processing of information to information necessary to achieve one or more legitimate purposes as identified in this Data Protection Policy.

Personal information may include:

- basic personal information, including name and address, date of birth and contact details (telephone number, address, country of residence, e-mail address);
- financial information, including account and transactional information and history;
- goods and services we provide to you;
- visual images and personal appearance (such as copies of National ID’s, passports, real-time biometric facial scans, pictures of your face); and
- online profile and social media information and activity, based on your interaction with us and our websites and applications, including for example your login information, Internet Protocol (IP) address, smart device information, location coordinates, online and mobile app security authentication, mobile phone network information, searches, site visits and spending patterns.

We may also process certain special categories of information for specific and limited purposes, such as detecting and preventing financial crime or to make our services accessible to customers. We will only process special categories of information where we’ve obtained your explicit consent or are otherwise lawfully permitted to do so.

WHERE DO WE GET YOUR PERSONAL DATA FROM?

Your information is made up of all the financial and personal information we collect and hold about you/your business and the proprietors, officers and beneficial owners of that business and your transactions. It may include:

- information you give to us;
- information that we receive from third parties – including third parties who provide services to you or us, credit reference, fraud prevention or government agencies and other financial institutions (where permitted by law);
- information that we learn about you through our relationship with you and the way you operate your accounts and/or services, such as the payments made to and from your accounts;
- information that we gather from the technology which you use to access our services and how you use it;
- first party and third party cookies when you access our services, for more details please read our Cookie Policy; and
- information that we gather from publicly available sources and online search engines.

FOR WHAT PURPOSES DO WE PROCESS YOUR PERSONAL DATA?

Paywiser processes your personal data for the following purposes:

- Personal identification and verification (to match the Identification document with the customer’s details provided / entered; match the selfie picture with the customer’s identification documents provided / entered; match the address provided / entered with the customer’s proof of address document);
- Performing customer Due Diligence with the name, date of birth and country of residence (WorldCheck, Comply Advantage and other tools that Paywiser uses for Due Diligence check will require cross check of these key attributes);
- Provision of financial services;
- Fulfilment of contractual obligations;
- Maintaining a relationship and communication with you;
- Giving advice and assessment of your needs;
- Ensuring compliance with anti-money laundering and terrorist financing prevention requirements and implementation of international sanctions;
- Ensuring the quality of services and defense of Paywiser’s rights;
- Organization and implementation of recruitment of employees and trainees;
- Defense and protection of the Paywiser’s rights and legitimate interests;
- Compiling and management of the list of individuals who have access to insider information;
- Direct marketing.

ON WHAT GROUNDS DO WE PROCESS YOUR PERSONAL DATA?

Paywiser processes your personal data on the following legal grounds defined in the General Data Protection Regulation (EU) 2016/679:

- When subject to a legal obligation, i.e., the applicable legislation requires that we process your personal data.
  When you apply for a product or service and throughout your relationship with us, we are required by law to collect and process certain personal information about you.
  If you do not agree to provide us with the requested information, it may not be possible for us to continue to operate your account and/or provide products and services to you.

- We may process your information where it is necessary to enter into a contract with you for the provision of our products or services or to perform our obligations under that contract, such as assess and process applications for products or services, setting up or closing your accounts or products; collecting and issuing all necessary documentation, executing your instructions, processing transactions, including transferring money between accounts, making payments to third parties, communicating with you about your account or the products and services you receive from us.
  If you do not agree to provide us with the requested information, it may not be possible for us to continue to operate your account and/or provide products and services to you.

- In pursuit of our legitimate interests, unless your private interests are overriding (e.g. providing our services, recruitment of employees, dispute resolution, etc.).
- Your consent to the processing of your personal data.

WHO DO WE SHARE YOUR DATA WITH?

We may share your personal data with the following entities:

- State authorities and institutions, other persons performing the functions assigned by legislation (e.g., supervisory authorities, law enforcement agencies, tax administrator, bailiffs, notaries, lawyers),
- Banks and financial institutions;
- Insurance companies, insurance brokerage companies;
- Auditors, legal and financial advisors;
- Courts, extrajudicial dispute resolution bodies, bankruptcy administrators;
- Participants of national, European Union and international payment systems and other related persons (e.g. SWIFT);
- Other persons who provide services to us or are related to the services provided us (e.g. information technology service providers, postal service providers, archiving service providers, credit intermediaries, etc.).Paywiser ensures that your personal data is transmitted strictly in accordance with applicable legislation. Service providers (processors) used by Paywiser process your data only for strictly defined purposes, which are set out in personal data processing contracts.

TRANSFER OF DATA TO THIRD COUNTRIES

Generally, your personal data is processed and stored in the territory of the European Union (EU) and the European Economic Area (EEA). However, in some cases, we may need to transfer your personal data to other countries outside the EU and EEA, or international organizations that may apply a lower-level data protection policy. In such cases, Paywiser will take all steps to ensure the security of transferred personal data.

Paywiser transfers personal data to countries outside the EU and EEA, or to international organizations, if one of the following security measures is applied:

- The contract is signed with the recipient of personal data based on Standard Contractual Clauses approved by the European Commission;
- The recipient of personal data is be located in a country recognized by decision of the European Union as applying adequate data protection standards;
- Permission from State Data Protection Inspectorate is obtained.

HOW DO WE PROTECT YOUR PERSONAL DATA?

When processing your personal data, we implement various organizational and technical measures to protect your personal data against accidental or unlawful destruction, alteration, disclosure as well as from any other unauthorized form of processing.

Paywiser requires that all processors take appropriate technical and organizational measures, which would ensure the security and integrity of your personal data.

Paywiser conducts training on data processing, data privacy and data protection for all new hires where their roles have direct or in-direct access to your personal data and conducts internal awareness refresher trainings for data processing, data privacy and data protection on a yearly basis. It is mandatory for all managers and employees with direct and in-direct access to customer data to attend the session. Paywiser maintains a training record for all employees who have attended the training session.

In the event of a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to personal data, Paywiser shall promptly assess the risk to customer’s rights and freedoms and report this breach to the relevant authorities. Paywiser has an “Incident Reporting Form” that must be filled in for any suspicious data breach. This can be obtained in the Paywiser internal sharepoint.

HOW LONG DO WE KEEP YOUR PERSONAL DATA?

We store your personal data for no longer than it is necessary to achieve the stated purpose.

Once the set objective is achieved, your personal data is deleted or anonymized, unless the applicable legislation requires that we store the data for the time period prescribed by such legislation. Once this period expires, the data is deleted/destroyed so that it cannot be reproduced. Specific personal data retention periods depend on the legal grounds for processing of your personal data.

PROFILING AND AUTOMATED DECISION MAKING

In certain cases, Paywiser carries out profiling and makes decisions by automated means:

- If you have given consent to the processing of personal data for direct marketing purposes and have not withdrawn such consent, Paywiser profiles your personal data, i.e., performs automated processing of personal data to evaluate certain personal aspects related to you, in particular to analyse your interests, behaviour, movement, economic situation, and payment habits with the purpose of anticipating your needs more accurately and provide you with offers, services and/or products that best suit your interests.
- Paywiser uses profiling for analysis and assessment by making automated decisions related to, for example, assessment of creditworthiness and credit risk management.
- In order to ensure the implementation of anti-money laundering and terrorist financing prevention measures, Paywiser carries out profiling and assigns you a risk category according to the risk associated with you, the risk of products, services and/or operations, risk of a country and/or geographical region, and the risk of the main economic activity. Depending on the assigned risk category, the available intensity of use of our services and the periodicity of updating your information may vary.

YOUR RIGHTS

You, as the data subject whose personal data is processed by Paywiser, have the following rights:

- The right to know/be informed about the processing of your data (the right to know).
- The right to access your personal data and receive information about how it is processed (the right to access).
- The right to request rectification or supplementation of incomplete personal data, taking into account the purposes of personal data processing (the right to rectification).
- The right to object to the processing of your personal data, if the processing of your personal data is based on your consent.
- The right to request that the processing of your personal data be restricted for a legitimate reason (the right to restrict).
- The right to withdraw consent to the processing of your personal data. Such withdrawal of consent shall not affect the data processing carried out prior to withdrawal of such consent.
- The right to request that your personal data be deleted/destroyed (the right to be forgotten), where such data are processed on the basis of your consent. This right does not include the cases where you request to delete your personal data, which are processed by Paywiser on other legal grounds, for example, where the processing of personal data is necessary to conclude/perform a contract or subject to a legal obligation.
- The right to object to be subject to fully automated decision, if such decision has legal consequences or similar significant effect.
- The right to data portability.
- The right to file a complaint with the State Data Protection Inspectorate, if you believe that your personal data has been processed in violation of your rights and legitimate interests in the field of personal data protection.

Paywiser provides the opportunity to exercise the above rights upon identification and verification of your identity.

You can exercise your rights by submitting a written request to Paywiser by mail to [email protected] or email to [email protected] We will provide you with information about the steps taken on receipt of your request to exercise the data subject’s rights within one (1) month from receipt of your request. The time limit for our response may be extended for two (2) months, taking into account the complexity of the request and the number of requests received. In any case, we will inform you about the extension of the time period and the reasons for such extension. If your requests are clearly unreasonable or disproportionate (e.g. because of their repetitiveness), we have the right to charge a reasonable fee, taking into account the costs of providing information.

Paywiser may refuse to allow you to exercise the above rights, where prevention, investigation and detection of crimes or violations of official or professional ethics and the protection of rights and freedoms of other persons must be ensured in the cases provided by law.

CONTACT US

Paywiser UAB

Address: Mėsiniųstr. 5, Vilnius, Lithuania

Email: [email protected]

If you have any questions regarding the information presented in this Data Protection Policy or any other questions related to the processing of your personal data, please contact the designated Data Protection Officer by any of the following means:

- by mail: [email protected]
- by email: [email protected]

FINAL PROVISIONS

This Data Protection Policy enters into force on July 2021.

Paywiser has the right to unilaterally amend this Data Protection Policy by informing you by a notice published on the our websites, by e-mail or a message sent via the Paywiser App.

This Data Protection Policy is publicly available on the Paywiser’s websites.

This Data Protection Policy will be revised and updated taking into account the changes in legislation and/or Paywiser’s activities, but at least once every two (2) years. Once it is updated, we will inform you by posting a notice on our websites and/or by other means.lithuania-data-protection-policy

UAB “PAYRNET”

TERMS AND CONDITIONS FOR CONSUMERS

ELECTRONIC MONEY ACCOUNTS

BACKGROUND

This Agreement: This Agreement is with UAB “PAYRNET”, a company incorporated in the Republic of Lithuania (company number: 305264430) with its head office at AltSpace, Islandijos str. 6, LT-01117, Vilnius, the Republic of Lithuania and its registered office at Girulių str. 20, LT-12123 Vilnius, the Republic of Lithuania, (hereinafter referred to in this Agreement as “Payrnet”, “we” “us”). We are an Electronic Money Institution (“EMI”) and are authorised by the Bank of Lithuania under the Law on Electronic Money and Electronic Money Institutions (license reference 72, issued on 2020-08-28) for the issuing of electronic money and provision of the related payment services.

Our relationship with Paywiser, UAB, legal entity code 305672574, registered at Mėsinių st. 5, Vilnius, the Republic of Lithuania hereinafter referred to in this Agreement as “Paywiser”): As an EMI, we have appointed Paywiser as a distributor of certain of our services. A distributor means a person who distributes or redeems electronic money on behalf of an electronic money institution (as defined in the Law on Electronic Money and Electronic Money Institutions and the Law on Payment Institutions) but who does not provide payment services on behalf of the electronic money institution.

AGREED TERMS

OUR TERMS
- Interpreting this Agreement. In order to easily understand the terms of this Agreement, please first refer to clause 3 which, amongst other things, sets out the meaning of capitalised terms used in this Agreement.
- Why you should read it? Please read this Agreement carefully before you agree to it, as its terms apply to the services provided by us. The Agreement explains many of your responsibilities to us and our responsibilities to you, how and when this Agreement can be terminated and the extent of our liability to you. If there are any terms that you do not understand or do not wish to agree to, please contact us. You should only complete the sign-on procedures and agree to the terms of this Agreement if you agree to be bound by this Agreement.
INFORMATION ABOUT US AND HOW TO CONTACT US
- Who we are. We are UAB “PAYRNET”, an EMI as described above.
- Communications between us are to be in Lithuanian or English. This Agreement is prepared in the official language (Lithuanian) and in English, or, by agreement between you and us, in another language agreed. We shall communicate in the official language (Lithuanian) or in English, or by agreement, in another language agreed between you and us.
- How to contact us. All queries should be directed towards Paywiser. You can contact Paywiser using [email protected] or details set out on paywiser.com.
- How we may contact you. If we have to contact you, we will do so as follows: in the first instance via Paywiser except in urgent cases. If we have not been able to contact you through Paywiser or if the matter is urgent we will contact you by writing to you at the email address(es) you provided when agreeing to this Agreement or by using any other contact details you have provided to us or have used in communications with us or with Paywiser.
- ‘Writing’ includes emails. When we use the words “writing” or “written” in this Agreement, this includes emails.
- Some of the services we provide are subject to the Law on Payments of the Republic of Lithuania. The law regulates how payments must be transmitted and provides protection for the clients of authorised payment service providers.
INTERPRETATION
- The definitions set out in this clause apply in this Agreement as follows:

“Agreement” means this agreement and the privacy policy, a copy of which is available on our Website.

“Consumer” means an individual who, in entering into this Agreement, is acting for a purpose other than a trade, business or profession.

“Business Day” means a day when the clearing banks in Vilnius are open for business, excluding Saturdays, Sundays and public holidays in Lithuania.

“Electronic Money” means electronically stored monetary value as represented by a claim against us.

“Regulations” means the Law on Payments of the Republic of Lithuania No VIII-1370 of 28 October 1999 (as amended) and the Law on Electronic Money and Electronic Money Institutions of the Republic of Lithuania No XIII-1094 of 17 April 2018 (as amended).

“Safeguarded Account” means the bank account(s) belonging to us, which are separate to our own office bank accounts, into which we will receive money from you, or on your behalf, in return for the issuance of Electronic Money.

“Services” means the e-money account services.

“Website” means our website from time to time, currently https://www.railsbank.com/payrnet .

- Sub-clause, clause and paragraph headings shall not affect the interpretation of this Agreement and references to sub-clauses, clauses and paragraphs are to the sub-clauses, clauses and paragraphs of this Agreement.
- Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.
- Unless the context otherwise requires, words in the singular shall include the plural, and in the plural shall include the singular.
- A reference to a statute or statutory provision is a reference to it as amended, extended or re-enacted from time to time and reference to a statute or statutory provision shall include all subordinate legislation made from time to time.

TERM AND BECOMING A CLIENT

- How can you agree to this Agreement? You can agree to this Agreement by checking the box online confirming that you agree to same, or by otherwise confirming your agreement to same or availing of the Services.
- When will you become a client of ours? You will be bound by this Agreement once you have agreed to it as set out above and this Agreement shall remain in force until terminated in accordance with its terms.

SERVICES

- As part of the Services, we shall issue you with Electronic Money upon receipt of money from you or a third party on your behalf, store your Electronic Money and redeem Electronic Money both on your express instruction and in accordance with this Agreement and the agreement of paywiser.
- Our Services do not include the provision of advice. We do not offer advice under this Agreement on any matter including (without limit) the merits or otherwise of any currency transactions, on taxation, or markets.
- Provision of payment services. We shall provide you only with the Services as per clause 5.1 above. Paywiser shall, under a separate agreement between you and Paywiser, provide you with other agreed payment services. For the avoidance of doubt, that separate agreement between Paywiser and you for the provision of payment services constitutes the framework agreement between the payment service provider and payment service user, which shall include all the information required under the Regulations. This Agreement therefore does not describe the provision of payment services, for which you shall refer to your agreement with

ISSUING ELECTRONIC MONEY TO YOU

- Where we receive money from you or on your behalf, this money will be held by us in the relevant Safeguarded Account in exchange for the issuance by us to you of Electronic Money. Your funds will not be used by us for any other purpose and in the unlikely event that we become insolvent, your e-money is protected in an EEA-authorised credit institution or the Bank of Lithuania.
- When we issue you with Electronic Money, you holding the Electronic Money and us holding the funds corresponding to the Electronic Money is not the same as a bank holding your money in that (i) we cannot and will not use the funds to invest or lend to other persons or entities; (ii) the Electronic Money will not accrue interest; and (iii) the Electronic Money is not covered by the Deposit Insurance Scheme of the Republic of Lithuania or a comparable guarantee scheme in any other country.
- You may hold Electronic Money and we may hold funds corresponding to your Electronic Money indefinitely. However, if we hold Electronic Money for you for more than 12 (twelve) months, with no activity on the account during those 12 (twelve) months, we shall use reasonable endeavours to contact you to redeem the Electronic Money and return the corresponding funds to you. If we are unable to contact you, we may redeem the Electronic Money and send the corresponding funds, less any of our costs incurred, to the last known bank account we have on file for you.
- You can redeem the Electronic Money you hold with us and receive the corresponding funds into a bank account belonging to you by entering into a payment contract between Paywiser and you whereby Paywiser commits to executing one or more payments on your behalf pursuant to a request from you to Paywiser for Paywiser to execute one or more payments and using your own bank details as the recipient of money pursuant to such payments.
- When executing the payment under a request from you to Paywiser to the recipient, we will also automatically redeem your Electronic Money and send the corresponding amount of funds to the recipient of money pursuant to such payment according to the terms of the relevant payment contract between Paywiser and you.
- Redemption of your Electronic Money as such will always be free of charge.
- We accept no responsibility in the event that you send money to the incorrect account.
- We do not accept cash or cheques. We accept monies via a variety of methods of electronic funds transfer to our bank account, the details of which we shall provide to you upon request.

GENERAL LIMITATION OF LIABILITY

- Where we and another person (such as a payment services provider) are liable to you in respect of the same matter or item, you agree that our liability to you will not be increased by any limitation of liability you have agreed with that other person or because of your inability to recover from that other person beyond what our liability would have been had no such limitation been agreed and/or if that other person had paid his or its share.
- Where any loss, liability, cost or expense (a “Loss”) is suffered by you for which we would otherwise be jointly and severally or jointly liable with any third party or third parties, the extent to which such Loss shall be recoverable by you from us (as opposed to any third parties) shall be limited so as to be in proportion to the aggregate of our contribution to the overall fault for such Loss, as agreed between all of the relevant parties or, in the absence of agreement, as determined by a court of competent jurisdiction. For the purposes of assessing the contribution to the Loss in question of any third party for the purposes of this clause, no account shall be taken of any limit imposed or agreed on the amount of liability of such third party by any agreement (including any settlement agreement) made before or after such Loss occurred or was otherwise incurred.
- We shall not be liable for any bank charges that you may incur in sending funds to or receiving funds from us.
- Nothing in this Agreement limits or excludes our liability for death or personal injury caused by our negligence or for any damage or liability incurred by you as a result of fraud or fraudulent misrepresentation by us or to the extent that the liability may not be excluded or limited by any applicable law.

COMPLAINTS

- If you feel that we have not met your expectations in the delivery of our Services, the first instance of contact is Paywiser by using the contact email address [email protected] for complaints set out in the separate agreement between you and If Paywiser does not deal with your complaint adequately, please contact us via email to [email protected].
- We have internal procedures for handling complaints fairly and promptly in accordance with the Bank of Lithuania requirements. A copy of our complaints’ procedure is available on our Website and may also be submitted to you directly upon request.
- We will respond to your complaint in writing or using another Durable Medium within 15 (fifteen) Business Days after the receipt of complaint. In exceptional cases, due to reasons which are beyond our control, we may send you a preliminary response by indicating reasons for delay and the term by which you will receive our final response. In any case the term for provision of final response will not exceed 35 (thirty-five) Business Days after the receipt of complaint. Handling of complaints is free of charge. The claims shall be submitted, handled and responded in Lithuanian or English, unless use of another language is agreed between you and us.
- Should you not be satisfied with our final response, or should we fail to respond to you within 15 Business Days from receiving the claim, you shall have a right to apply to the Bank of Lithuania in three different ways: (1) through the electronic dispute settlement facility E-Government Gateway, (2) by completing a consumer application form and sending it to the Supervision Service of the Bank of Lithuania at Žalgirio str. 90, LT-09303 Vilnius, email: [email protected], or (3) by filling out a free-form application and sending it to the Supervision Service of the Bank of Lithuania, Žalgirio str. 90, LT-09303 Vilnius, email: [email protected] Whichever way you choose to submit the claim, it must be in the official language of the country, i.e. Lithuanian. You may only apply to the Bank of Lithuania within 1 year after you received from us a response that is not satisfactory, or after the 15 Business Days for responding has passed and we did not respond. Addressing us first is a precondition for you applying to the Bank of Lithuania. The decision of the Bank of Lithuania is not mandatory for us or you and you, even after the dispute was solved by the Bank of Lithuania, shall have a right to apply to the court.
- In case you are generally not satisfied with us or our services, where there is no claim or disagreement between you and us, you may always approach the Bank of Lithuania by addressing a complaint to the Bank of Lithuania at Totorių str. 4, LT-01121 Vilnius, email: [email protected], or to the Supervision Service of the Bank of Lithuania, Žalgirio str. 90, LT-09303 Vilnius, email: [email protected].

ESTABLISHING YOUR IDENTITY

- To comply with the requirements of the Law on the Prevention of Money Laundering and Terrorist Financing of the Republic of Lithuania and related regulations, it may be necessary to obtain from you, and retain, evidence of your personal identity in our records from time to time. If satisfactory evidence is not promptly provided to us, we cannot accept you as our customer.
- To assist us with meeting our obligations, we may carry out an electronic verification check via third party providers in order to verify your identity. If such searches are carried out, we may keep records of the contents and results of such searches in accordance with all current and applicable laws. You acknowledge that us carrying out an electronic verification check may leave a soft footprint on your credit history.
- We are also obliged to report any reasonable suspicions about instructions received, transactions and activities to the regulatory authorities. This may affect our relationship with you so far as confidentiality is concerned. If we are required under legislation (including the Law on the Prevention of Money Laundering and Terrorist Financing of the Republic of Lithuania) to refrain from communicating with you and/or proceeding with your instructions, we can accept no liability for the consequences of being prevented from doing so.

TERMINATION

- When we may terminate or suspend this Agreement.
  - We can terminate this Agreement at any time:
- if you breach this Agreement; and/or
- if we suspect that you are using the Services for any illegal purposes.
- We may suspend or terminate your access to the Services where we have reasonable grounds for concern relating to: (i) the security of your account(s), whether or not you have informed us of a security breach; and/or (ii) the suspected unauthorised or fraudulent use of your account(s).
- If Paywiser notifies us that its agreement with you has terminated, we can terminate this Agreement with immediate effect.
- If you terminate your agreement with the Paywiser or that agreement is terminated, we can terminate this Agreement with immediate effect.
- If our agreement with the Paywiser terminates, we will give you not less than sixty (60) days written notice to terminate this Agreement.
- We may terminate this Agreement at any time and for any reason by giving you not less than sixty (60) days written notice.
- When you may terminate this Agreement. You can terminate this Agreement at any time and for any reason by cancelling your agreement with Paywiser. We may contact you to confirm your request.
- Effect of Termination. Upon the effective date of termination:
  - you will no longer be able to avail yourself of the Services;
- we shall redeem any Electronic Money we hold for you and send the equivalent funds to a bank account in your name, unless agreed by both parties, less any monies which are due and owing to us. Redemption of your Electronic Money as such will always be free of charge.
- After termination, you may contact us using the contact details set out in clause 2.3 to redeem any Electronic Money you still hold with us.

CONFIDENTIALITY

- We undertake that we shall not at any time, disclose to any person any of your confidential information, except in the following circumstances:
  - to our employees, officers, representatives or advisers who need to know such information for the purposes of exercising our rights or carrying out our obligations under or in connection with this Agreement. We shall ensure that our employees, officers, representatives or advisers to whom we disclose your confidential information comply with this clause; and
- as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority.

HOW WE MAY USE YOUR PERSONAL INFORMATION

- How we may use your personal information. We will only use your personal information as set out in our privacy policy which is available on our Website.

GENERAL

- Even if we delay in enforcing under this Agreement, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under this Agreement, or if we delay in taking steps against you in respect of your breach of this Agreement that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.
- What if something unexpected happens? We shall have no liability to you under this Agreement or any contract if we are prevented from or delayed in performing our obligations under this Agreement, or from carrying on our business, by acts, events, omissions or accidents beyond our reasonable control, including, without limitation, strikes, lock-outs or other industrial disputes (whether involving us or any other party), failure of a utility service or transport or telecommunications network, act of God, war, riot, civil commotion, malicious damage, compliance with any law or governmental order, rule, regulation or direction, accident, breakdown of plant or machinery, fire, flood, storm or our default of sub-contractors, provided that you are notified of such an event and its expected duration.
- If a court finds part of this Agreement illegal, the rest will continue in force. Each of the sub-clauses, clauses and paragraphs of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining sub-clauses, clauses and paragraphs will remain in full force and effect.
- We are not partners, and neither of us may act as the other’s agent. Nothing in this Agreement is intended to or shall operate to create a partnership or joint venture between you and us, or authorise either party to act as agent for the other, and neither party shall have the authority to act in the name or on behalf of or otherwise to bind the other in any way (including, but not limited to, the making of any representation or warranty, the assumption of any obligation or liability and the exercise of any right or power).
- We can make amendments to this Agreement. We shall have the right to make such amendments to this Agreement, via Paywiser, as are necessary to comply with any laws and regulations that are applicable to the performance of our obligations under this Agreement where such laws and regulations are implemented and/or amended after the date of this Agreement. Such amendments may be made at any time upon as much notice as possible to you and shall take effect following such notice, if any. If you object to the proposed amendments, you have the right to terminate this Agreement without charge before the date proposed by us for the entry into force of the changes. You will be deemed to have accepted the proposed amendments unless you notify us and terminate this Agreement before the date proposed by us for the entry into force of the changes. If we receive no objection from you, such amendments shall take effect from the date specified by us but may not affect any rights or obligations that have already arisen and will not be retrospective.
- What happens if you are jointly a client of ours with another person? Where you comprise two or more people, each person will be jointly and severally liable to us in respect of all obligations contained in this Agreement.
- Can you obtain a copy of this Agreement or additional information? You may request and we shall provide a copy of this Agreement to you in Durable Medium at any time prior to termination of this Agreement.
- We may transfer this Agreement to someone else. We may transfer our rights and obligations under this Agreement to another organisation without your consent. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under this Agreement.
- You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee). You may only transfer your rights or your obligations under this Agreement to another person if we agree to this in writing.
- Nobody else has any rights under this Agreement. This Agreement is between you and us. No other person shall have any rights to enforce any of its terms.
- Which laws apply to this Agreement and where you may bring legal proceedings. This Agreement and any disputes or claims arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims) are governed by, and construed in accordance with, the laws of the Republic of Lithuania. You irrevocably agree that the courts of the Republic of Lithuania have exclusive jurisdiction to settle any dispute or claim or other matter that arises out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims).

UAB “PAYRNET”

TERMS AND CONDITIONS FOR CORPORATES

ELECTRONIC MONEY ACCOUNTS

BACKGROUND

This Agreement: This Agreement is with UAB “PAYRNET”, a company incorporated in the Republic of Lithuania (company number: 305264430) with its head office at AltSpace, Islandijos str. 6, LT-01117, Vilnius, the Republic of Lithuania and its registered office at Girulių str. 20, LT-12123 Vilnius, the Republic of Lithuania, (hereinafter referred to in this Agreement as “Payrnet”, “we” “us”). We are an Electronic Money Institution (“EMI”) and are authorised by the Bank of Lithuania under the Law on Electronic Money and Electronic Money Institutions (license reference 72, issued on 2020-08-28) for the issuing of electronic money and provision of the related payment services.

AGREED TERMS

OUR TERMS
- Interpreting this Agreement. In order to easily understand the terms of this Agreement, please first refer to clause 3 which, amongst other things, sets out the meaning of capitalised terms used in this Agreement.
- Why you should read it? Please read this Agreement carefully before you agree to it, as its terms apply to the services provided by us. The Agreement explains many of your responsibilities to us and our responsibilities to you, how and when this Agreement can be terminated and the extent of our liability to you. If there are any terms that you do not understand or do not wish to agree to, please contact us. You should only complete the sign-on procedures and agree to the terms of this Agreement if you agree to be bound by this Agreement.
- Are you a Micro-Enterprise or Charity or Consumer? For the avoidance of doubt, these terms and conditions are not intended for Micro Enterprises or Charities or Consumers (individuals acting for a purpose other than a trade, business or profession).
INFORMATION ABOUT US AND HOW TO CONTACT US
- Who we are. We are UAB “PAYRNET”, an EMI as described above.
- Communications between us are to be in English. This Agreement is concluded in English language and all communications between you and us shall be in English only. By accepting this Agreement, you confirm that you understand this language, do not have any objections for this language being used as a language of contractual relations between you and us and agree to be bound by this Agreement in the language that it is drafted in.
- How to contact us. All queries should be directed towards Paywiser. You can contact Paywiser using [email protected] or details set out on paywiser.com.
- How we may contact you. If we have to contact you, we will do so as follows: in the first instance via Paywiser except in urgent cases. If we have not been able to contact you through Paywiser or if the matter is urgent we will contact you by writing to you at the email address(es) you provided when agreeing to this Agreement or by using any other contact details you have provided to us or have used in communications with us or with Paywiser.
- ‘Writing’ includes emails. When we use the words “writing” or “written” in this Agreement, this includes emails.
- Some of the services we provide are subject to the Law on Payments of the Republic of Lithuania. The law regulates how payments must be transmitted and provides protection for the clients of authorised payment service providers. You are hereby notified of the exemption of Article 3(7) of the Law on Payments of the Republic of Lithuania allowing Payrnet, as the payment service provider, and you, as a payment service user which is not a consumer, to deviate from provisions of Section III (including Article 13, listing requirements for the framework agreement between the payment service provider and payment service user), Articles 4(1), 4(2), 4(3), 11(1), 11(2), 11(5), 29(3), 36 (to the extent the term for notifying about unauthorised or improperly executed payment transactions is concerned), 37, 39, 41, 44, 51, 52 of the Law on Payments of the Republic of Lithuania. You are hereby notified and by accepting this Agreement you confirm your understanding that either this Agreement or the agreement between Paywiser which is providing payment services to you on our behalf, and you might in certain cases deviate from the mentioned provisions of the law, including that the contents of both agreements may be narrower than required under Article 13 of the Law on Payments of the Republic of Lithuania, and agree to be bound by this Agreement and agreement between Paywiser and you as they are worded, including any such deviations.
INTERPRETATION
- The definitions set out in this clause apply in this Agreement as follows:

“Agreement” means this agreement and the privacy policy, a copy of which is available on our Website.

“Business Day” means a day when the clearing banks in Vilnius are open for business, excluding Saturdays, Sundays and public holidays in Lithuania.

“Electronic Money” means electronically stored monetary value as represented by a claim against us.

“Services” means the e-money account services.

“Website” means our website from time to time, currently https://www.railsbank.com/payrnet .

- Sub-clause, clause and paragraph headings shall not affect the interpretation of this Agreement and references to sub-clauses, clauses and paragraphs are to the sub-clauses, clauses and paragraphs of this Agreement.
- Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.
- Unless the context otherwise requires, words in the singular shall include the plural, and in the plural shall include the singular.
- A reference to a statute or statutory provision is a reference to it as amended, extended or re-enacted from time to time and reference to a statute or statutory provision shall include all subordinate legislation made from time to time.

TERM AND BECOMING A CLIENT

- How can you agree to this Agreement? You can agree to this Agreement by checking the box online confirming that you agree to same, or by otherwise confirming your agreement to same or availing of the Services.
- When will you become a client of ours? You will be bound by this Agreement once you have agreed to it as set out above and this Agreement shall remain in force until terminated in accordance with its terms.

SERVICES

- As part of the Services, we shall issue you with Electronic Money upon receipt of money from you or a third party on your behalf, store your Electronic Money and redeem Electronic Money both on your express instruction and in accordance with this Agreement and the agreement of Paywiser.
- Our Services do not include the provision of advice. We do not offer advice under this Agreement on any matter including (without limit) the merits or otherwise of any currency transactions, on taxation, or markets.
- Provision of payment services. We shall provide you only with the Services as per sub-clause 5.1 above. Paywiser shall, under a separate agreement between you and Paywiser, provide you with other agreed payment services. For the avoidance of doubt, that separate agreement between Paywiser and you for the provision of payment services constitutes the framework agreement between the payment service provider and payment service user, which shall include all the information required under the Regulations. This Agreement therefore does not describe the provision of payment services, for which you shall refer to your agreement with Paywiser.

ISSUING ELECTRONIC MONEY TO YOU

- For the avoidance of doubt, this section is only applicable for unregulated entities and Small Payment Institutions (SPI).
- Where we receive money from you or on your behalf, this money will be held by us in the relevant Safeguarded Account in exchange for the issuance by us to you of Electronic Money. Your funds will not be used by us for any other purpose and in the unlikely event that we become insolvent, your e-money is protected in an EEA-authorised credit institution or the Bank of Lithuania.
- When we issue you with Electronic Money, you holding the Electronic Money and us holding the funds corresponding to the Electronic Money is not the same as a bank holding your money in that (i) we cannot and will not use the funds to invest or lend to other persons or entities; (ii) the Electronic Money will not accrue interest; and (iii) the Electronic Money is not covered by the Deposit Insurance Scheme of the Republic of Lithuania or a comparable guarantee scheme in any other country.
- You may hold Electronic Money and we may hold funds corresponding to your Electronic Money indefinitely. However, if we hold Electronic Money for you for more than 12 (twelve) months, with no activity on the account during those 12 (twelve) months, we shall use reasonable endeavours to contact you to redeem the Electronic Money and return the corresponding funds to you. If we are unable to contact you, we may redeem the Electronic Money and send the corresponding funds, less any of our costs incurred, to the last known bank account we have on file for you.
- You can redeem the Electronic Money you hold with us and receive the corresponding funds into a bank account belonging to you by entering into a payment contract between Paywiser and you whereby Paywiser commits to executing one or more payments on your behalf pursuant to a request from you to Paywiser for Paywiser to execute one or more payments and using your own bank details as the recipient of money pursuant to such payments.
- When executing the payment under a request from you to Paywiser to the recipient, we will also automatically redeem your Electronic Money and send the corresponding amount of funds to the recipient of money pursuant to such payment according to the terms of the relevant payment contract between Paywiser and you.
- Redemption of your Electronic Money as such will always be free of charge.
- We accept no responsibility in the event that you send money to the incorrect account.
- We do not accept cash or cheques. We accept monies via a variety of methods of electronic funds transfer to our bank account, the details of which we shall provide to you upon request.

GENERAL LIMITATION OF LIABILITY

- Where we and another person (such as a payment services provider) are liable to you in respect of the same matter or item, you agree that our liability to you will not be increased by any limitation of liability you have agreed with that other person or because of your inability to recover from that other person beyond what our liability would have been had no such limitation been agreed and/or if that other person had paid his or its share.
- Where any loss, liability, cost or expense (a “Loss”) is suffered by you for which we would otherwise be jointly and severally or jointly liable with any third party or third parties, the extent to which such Loss shall be recoverable by you from us (as opposed to any third parties) shall be limited so as to be in proportion to the aggregate of our contribution to the overall fault for such Loss, as agreed between all of the relevant parties or, in the absence of agreement, as determined by a court of competent jurisdiction. For the purposes of assessing the contribution to the Loss in question of any third party for the purposes of this clause, no account shall be taken of any limit imposed or agreed on the amount of liability of such third party by any agreement (including any settlement agreement) made before or after such Loss occurred or was otherwise incurred.
- We shall not be liable for any bank charges that you may incur in sending funds to or receiving funds from us.
- Nothing in this Agreement limits or excludes our liability for death or personal injury caused by our negligence or for any damage or liability incurred by you as a result of fraud or fraudulent misrepresentation by us or to the extent that the liability may not be excluded or limited by any applicable law.

COMPLAINTS

- If you feel that we have not met your expectations in the delivery of our Services, the first instance of contact is Paywiser by using the contact email address [email protected] for complaints set out in the separate agreement between you and If Paywiser does not deal with your complaint adequately, please contact us via email to [email protected].
- We have internal procedures for handling complaints fairly and promptly in accordance with the Bank of Lithuania requirements. A copy of our complaints’ procedure is available on our Website and may also be submitted to you directly upon request.
- We will respond to your complaint in writing or using another Durable Medium within 15 (fifteen) Business Days after the receipt of complaint. In exceptional cases, due to reasons which are beyond our control, we may send you a preliminary response by indicating reasons for delay and the term by which you will receive our final response. In any case the term for provision of final response will not exceed 35 (thirty-five) Business Days after the receipt of complaint. Handling of complaints is free of charge. Should you not be satisfied with our final response, or should we fail to respond to you, you always have a right to apply to the Bank of Lithuania as per clause 8.4 below or the competent court as per clause 8.5 below.
- You may address the Bank of Lithuania with a request to protect your rights and legitimate interests which you consider having been violated. Such complaints may be submitted in writing or by electronic means at the following addresses: (i) Totorių st. 4, LT-01121 Vilnius, [email protected], and/or (ii) Žalgirio st. 90, Vilnius, e-mail: [email protected]. Complaints must be submitted in Lithuanian or English languages.
- Any dispute arising out of or in connection with this Agreement, including without limitation any disputes regarding its valid conclusion, existence, nullity, breach, termination or invalidity shall be finally referred to and resolved by the courts of the Republic of Lithuania, except where prohibited by EU law. Before referring the dispute to court, you and us will endeavour to resolve the dispute by amicable negotiations.

ESTABLISHING YOUR IDENTITY

- To comply with the requirements of the Law on the Prevention of Money Laundering and Terrorist Financing of the Republic of Lithuania and related regulations, it may be necessary to obtain from you, and retain, evidence of your personal identity (or directors or partners of your business and/or your ultimate beneficial owners) in our records from time to time. If satisfactory evidence is not promptly provided to us, we cannot accept you as our customer.
- To assist us with meeting our obligations, we may carry out an electronic verification check via third party providers in order to verify your or your shareholders’ or officers’ or partners’, identity. If such searches are carried out, we may keep records of the contents and results of such searches in accordance with all current and applicable laws. You acknowledge that us carrying out an electronic verification check may leave a soft footprint on the individual or entity’s credit history. You warrant that you have obtained the consent to such checks being carried out from each individual officer and shareholder owning 10% or more of you.
- We are also obliged to report any reasonable suspicions about instructions received, transactions and activities to the regulatory authorities. This may affect our relationship with you so far as confidentiality is concerned. If we are required under legislation (including the Law on the Prevention of Money Laundering and Terrorist Financing of the Republic of Lithuania) to refrain from communicating with you and/or proceeding with your instructions, we can accept no liability for the consequences of being prevented from doing so.

TERMINATION

- When we may terminate or suspend this Agreement.
  - We can terminate this Agreement at any time:
- if you breach this Agreement; and/or
- if we suspect that you are using the Services for any illegal purposes.
- We may suspend or terminate your access to the Services where we have reasonable grounds for concern relating to: (i) the security of your account(s), whether or not you have informed us of a security breach; and/or (ii) the suspected unauthorised or fraudulent use of your account(s).
- If the Paywiser notifies us that its agreement with you has terminated, we can terminate this Agreement with immediate effect.
- If you terminate your agreement with the Paywiser or that agreement is terminated, we can terminate this Agreement with immediate effect.
- If our agreement with the Paywiser terminates, we will give you not less than sixty (60) days written notice to terminate this Agreement.
- We may terminate this Agreement at any time and for any reason by giving you not less than sixty (60) days written notice.
- When you may terminate this Agreement. You can terminate this Agreement at any time and for any reason by cancelling your agreement with the Paywiser. We may contact you to confirm your request.
- Effect of Termination. Upon the effective date of termination:
  - you will no longer be able to avail yourself of the Services;
- we shall redeem any Electronic Money we hold for you and send the equivalent funds to a bank account in your name, unless agreed by both parties, less any monies which are due and owing to us, where relevant. Redemption of your Electronic Money as such will always be free of charge.
- After termination, you may contact us using the contact details set out in clause 2.3 to redeem any Electronic Money you still hold with us.

CONFIDENTIALITY

- Each party undertakes that it shall not at any time, disclose to any person any confidential information concerning the business, affairs, customers, clients or suppliers of the other party or of any member of the group of companies to which the other party belongs, except in the following circumstances:
  - to its employees, officers, representatives or advisers who need to know such information for the purposes of exercising the party’s rights or carrying out its obligations under or in connection with this Agreement. Each party shall ensure that its employees, officers, representatives or advisers to whom it discloses the other party’s confidential information comply with this clause; and

- as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority.

HOW WE MAY USE YOUR PERSONAL INFORMATION AND DATA PROTECTION

- How we may use your personal information. We will only use your personal information as set out in our privacy policy which is available on our Website.

GENERAL

- Even if we delay in enforcing under this Agreement, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under this Agreement, or if we delay in taking steps against you in respect of your breach of this Agreement that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.
- What if something unexpected happens? We shall have no liability to you under this Agreement if we are prevented from or delayed in performing our obligations under this Agreement, or from carrying on our business, by acts, events, omissions or accidents beyond our reasonable control, including, without limitation, strikes, lock-outs or other industrial disputes (whether involving us or any other party), failure of a utility service or transport or telecommunications network, act of God, war, riot, civil commotion, malicious damage, compliance with any law or governmental order, rule, regulation or direction, accident, breakdown of plant or machinery, fire, flood, storm or our default of sub-contractors, provided that you are notified of such an event and its expected duration.
- If a court finds part of this Agreement illegal, the rest will continue in force. Each of the sub-clauses, clauses and paragraphs of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining sub-clauses, clauses and paragraphs will remain in full force and effect.
- We are not partners, and neither of us may act as the other’s agent. Nothing in this Agreement is intended to or shall operate to create a partnership or joint venture between you and us, or authorise either party to act as agent for the other, and neither party shall have the authority to act in the name or on behalf of or otherwise to bind the other in any way (including, but not limited to, the making of any representation or warranty, the assumption of any obligation or liability and the exercise of any right or power).
- We can make amendments to this Agreement. We shall have the right to make such amendments to this Agreement, via Paywiser, as are necessary to comply with any laws and regulations that are applicable to the performance of our obligations under this Agreement where such laws and regulations are implemented and/or amended after the date of this Agreement. Such amendments may be made at any time upon as much notice as possible to you and shall take effect following such notice, if any. If you object to the proposed amendments, you have the right to terminate this Agreement without charge before the date proposed by us for the entry into force of the changes. You will be deemed to have accepted the proposed amendments unless you notify us and terminate this Agreement before the date proposed by us for the entry into force of the changes. If no objection is received from you, such amendments shall take effect from the date specified by us but may not affect any rights or obligations that have already arisen and will not be retrospective.
- What happens if you are jointly a client of ours with another person? Where you comprise two or more people, each person will be jointly and severally liable to us in respect of all obligations contained in this Agreement.
- Can you obtain a copy of this Agreement or additional information? You may request and we shall provide a copy of this Agreement at any time prior to termination of this Agreement.
- We may transfer this Agreement to someone else. We may transfer our rights and obligations under this Agreement to another organisation without your consent. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under this Agreement.
- You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee). You may only transfer your rights or your obligations under this Agreement to another person if we agree to this in writing.
- Nobody else has any rights under this Agreement. This Agreement is between you and us. No other person shall have any rights to enforce any of its terms.
- Which laws apply to this Agreement and where you may bring legal proceedings. This Agreement and any disputes or claims arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims) are governed by, and construed in accordance with, the laws of the Republic of Lithuania. You irrevocably agree that the courts of the Republic of Lithuania have exclusive jurisdiction to settle any dispute or claim or other matter that arises out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims).

General terms and conditions – Paywiser virtual bank accounts

(Version 1.0, Date: 01.05.2022)

1. Scope of application

- These General Terms and Conditions (“AGB”) are applicable for all the banking services of Paywiser Limited & Paywiser d.o.o (“Paywiser”, “we”), which you (“End user”, “You”) can use via the online interface provided by Paywiser that can be accessed under https://banking.paywiser.com (“Online Interface”).
- The supplementary terms of use, which you can view below are applicable for the use of the Online Interface (“End Customer interfaces”).

2. Object of service

- The object of service is the maintenance of a virtual bank account (“Account”). You can operate and manage the account via the end Customer interfaces. The prerequisite is an internet connection and a web browser which fulﬁls the respective minimum requirements for the operating system. Paywiser reserves the rights to upgrade the banking platform to enhance system functions, usability and remove any system bugs. The current account contract includes the following services in detail:
  - - Account Management
    - Transfers
    - Standing Orders/Debit Orders
    - Mastercard or UPI International cards that are “linked” to the virtual bank account
- The account is used for the processing of payment transactions and the processing of card revenues from the linked (virtual) MasterCard or UPI International cards.
- The credit balance on the account is payable on a daily basis. The account is managed on a current account (“open account”) basis. The account is managed as credit account. Please note there are no overdraft facility on the accounts or cards provided by Paywiser.
- The transaction limit are defined by Paywiser and any changes to this limit will be agreed separately with you.
- You will not receive any interest on the account balance.

3. Account opening

- You can open an account, if you are at least 18 years old, have an internet browser and access to the internet and you reside in one the countries supported by Paywiser. The opening of multiple accounts is not permitted. The opening of an account is only permissible for a natural person. If any identiﬁable business turnover is transacted via the private account, we have the right to terminate the account with an appropriate notice period.
- To open an account via online interface, please visit the website: https://banking.paywiser.com
- A registration process is required for services offered by Paywiser. The registration can be performed electronically.
- By submitting an electronic account opening application to Paywiser, you are submitting a binding oﬀer to conclude for a contract for the provision of an account with the functions described under Clause 2 of these General Terms and Conditions.

4. Identity veriﬁcation, conclusion of contract

- We are legally obliged to verify your identity prior to the opening of an account. Identification documentations for personal and business accounts must be provided to Paywiser. Personal identiﬁcation checks may be carried out by our employees. Please check Paywiser’s Data Protection and Privacy Policy.
- A contract for the provision of an account with the functions described under Clause 2 of these General Terms and Conditions is concluded when we conﬁrm that we have set up an account for you (“Contract”), either via SMS, e-mail or in any other mode of direct communication.

5. Language of contract and communication

- English is the language of the contract and communication.
- Information and declarations, which concern your contractual relationship with us on the basis of these General Terms and Conditions or which are related to the same, should be sent to the following address, unless speciﬁed otherwise in these General Terms and Conditions:
  Email: [email protected]
  Phone: +44 238 1680 299
  Address: Paywiser Limited: 36-38 Westbourne Grove Newton Road, London, United Kingdom, W2 5SH Paywiser d.o.o: Bravničarjeva ulica 13, 1000 Ljubljana, Slovenia
- Please always use your registered email address for submitting legally binding declarations with Paywiser.

6. Use of account We identify you as an account holder authorised for making payments with the help of payment authentication instruments.

- Linked smartphone as authentication instrument
  The combination of a smart phone that is initially linked to your account and has a personalised security feature is used as an authentication instrument. You can only release the payment transactions with this combination.
- Personalised security features
  A unique combination of e-mail address and password, which you can set up yourself while opening an account and with which you can log on to the end user interfaces and One-time Password (OTP) that enables you to release payment transactions upon request (“Personalised security feature”) operates as personalised security feature.
- Credit transfers and direct debits
  Credit transfer orders and direct debits can be issued in Euro to SEPA accounts or in GBP to FAST accounts. The general terms and conditions for credit transfers and payments by direct debit under the SEPA and FAST core direct debit scheme apply.

7. Non-disclosure of personalised security features; secure storage of authentication instrument

You must maintain secrecy concerning your personalised security features and safely store your authentication instrument. Personalised security features and authentication instrument must be protected from access by a third party.

8. Costs and payment

Remunerations for our services and any expenses to be reimbursed by you are provided in our pricelist, which can be retrieved via the Paywiser website. Insofar as the remunerations become due, we calculate these on a monthly basis and debit them from your account at the end of every Month, insofar as not otherwise disclosed or stated in the price list.

- Account Fee
  - The Customer pays fees as set out in the Prices and Services for the funds on the account (“Account fee”).
  - The monthly account fees are automatically deducted from the account at the each of each month. Transaction related fees are deducted at the time of the transaction. Accounts will have a negative account balance if the funds in the account is less than the fees payable for each month
  - The month is counted with 30 days, the year with 360

9. Costs for mobile radio and data transfer

You may incur additional costs for the data transfer depending upon the tariﬀ agreed with your telecommunication provider. These costs must be borne by you and will be invoiced to you by the telecommunication provider.

10. Disclosure and notiﬁcation obligations

- You are obliged to correctly notify us regarding your personal data, in particular your name, address, date of birth, phone number and email address and provide prompt information to us about any changes to this end.
- Immediately inform us regarding a loss or theft of your authentication instrument, your personalised safety features or a misuse or unauthorised use of the same. You can ﬁnd the relevant contact information in the Paywiser Support contact details on our website.

11. BLOCKING OF THE ACCOUNT AND THE CARD

- Blocking of the accountIf we have the reasonable suspicion that any unauthorised use of your account has occurred, we are permitted to block or limit its access. We will inform you promptly via e-mail, SMS. Similarly, we will also block your account if you inform us about similar activities. We shall remove the block or the limitation if the reasons for blocking no longer exist.
- Blocking of the cardYou have the option to independently block and unblock your card in the end user interfaces. You can report your card as stolen, which will initiate a permanent deactivation of your card and a new card will be provided to you. You also have the option of calling our Customer support and request one of our employees to block your card upon successful authentication.

12. Data protection and bank secrecy

The registration, processing and utilisation of your personal data is conducted under strict maintenance of the applicable data protection laws and simultaneous protection of bank secrecy. You will ﬁnd further details regarding these regulations in the Paywiser data privacy policy.

13. Changes to this general terms and conditions (“AGB”)

Information concerning any changes to these General Terms and Conditions and the special conditions will be sent to you by e-mail prior to the proposed time of their date of eﬀectiveness. The changes shall only become eﬀective upon the Customer’s consent.

14. Applicable law

United Kingdom and Slovenia law is applicable for the business relation between you and Paywiser.

Supplementary provisions for users of the online interface that can be reached through https://banking.paywiser.com

- Preamble
  These provisions (“Supplementary Provisions”) apply to the online interface that can be reached through Paywiser.com (the “Online Interface”) in addition to the respective applicable conditions of use.The Online Interface primarily serve to administer your Paywiser virtual account, which makes it possible to process transactions. In addition, we use the Online Interface to market our own services and products, and will continually build up this product range in cooperation with further partners.
- .Object of regulation
  - These Supplementary Provisions apply to the services and products oﬀered by Paywiser. Furthermore, we would like to inform you about what personal data we collect, process and use.
  - The contract between you and Paywiser comes into existence when we make it possible for you to log in to the Online Interface (acceptance) according to the required data you give when registering (oﬀer). Upon activation by us, a contract between you and Paywiser comes into existence on the basis of these Supplementary Provisions. Before giving your oﬀer, you have the opportunity, using the Back button on your browser or smartphone/tablet, as well as using control elements on the website, to change the data entered, or to completely abort the registration. Your contract with us will be concluded in Europe. You have the opportunity to call up the contractual provisions, inclusive of these Supplementary Provisions, whenconcluding the contract, and to store them in reproducible form. No separate storage of the contract text will be done by us.
- Functionality
  - The Online Interface serve for administration of the current account oﬀered by us as well as for the rendering of any other services agreed to with you. The Online Interface are 99% available. Availability indicates, with reference to the term of one (1) contractual year, the relation of the timeframe in which you were able to use the software through an existing Internet connection (plus the timeframe for which access on the basis of planned maintenance works or disturbances was not possible, which lay beyond the inﬂuence of Paywiser, such as disturbances in the Internet or disturbances in an app store), in relation to the length of the total contractual year.
  - The Online Interface is protected by the intellectual property laws, such as copyright law and trademark law. These rights in relation to you are exclusively reserved to us.
  - We grant you, exclusively to fulﬁl the purpose of our contractual relationship with you, the limited, non-exclusive, non-transferable and sub-licensable right, restricted to the period of your contractual relationship with us, to use the Online Interface in accordance with the provisions. The right of use expires upon expiration of the term of the contract.
  - The User is not entitled to (i) rent, lease, lend, reproduce, resell or distribute the Online Interface, or access to them; (ii) use the Online Interface for the development of other services; (iii) activate or use the functionalities of the Online Interface for which no rights of use have been granted to him or her; (iv) assign the usage rights to the Online Interface to third parties, or grant third parties access to the Online Interface; (v) alter, translate, reproduce, or decompile the source code of the Online Interface, or investigate the functions thereof, outside of what may be legally mandatory in accordance with Copyright Law; and (vi) remove, conceal or alter legal information, in particular concerning industrial property rights or copyrights of Paywiser.
- Duties of the user

When using the Online Interface, you are not allowed to perform any illegal actions or breach any applicable laws, in particular not to do the following: infringe industrial property rights, copyrights or intellectual rights of third parties; in your usage behaviour, make defamatory, racist or oﬀensive statements, or undertake such actions; transmit contents which contain viruses, Trojan horses, spyware, adware, malware or other damaging or harmful programmes; distribute unwanted advertising (spam) or any other form of nuisance.

- Compensation

Compensation for our products and services can be found on the price list, which can be retrieved via the Paywiser website. Provided nothing else is speciﬁed, no compensation will be due for the use of the Online Interface.

- Data protection
  - Responsible authorityThe responsible authority for the processing of your personal data in connection with the App and the Online Interface and the usages described in Clause 1 above, as well as in connection with any further products and/or services is Paywiser (for contact data, see Clause 1 above).

- - Collection, processing and use of your personal dataWe collect, process and use your personal data in harmony with the applicable statutory provisions. All of the personal data collected, processed, and used under our responsibility are stored exclusively for the purpose of fulﬁlling our contractual relationship with you, and not longer than is required for this purpose.

- - Handling and review of your data; right to information; questions on data protectionAt any time, you can view your personal data in the Online Interface. You can also subsequently change your own password. In order to modify or change further personal data, please get in touch with our Customer Support department: [email protected]Further, you can at any time demand information about the personal data stored which relates to you personally, as well as its origin and recipients and the purpose for which it is being stored. You can reach us using the aforementioned contact data. Questions, suggestions and notes on data protection can also be directed to the contact data mentioned there.Otherwise, for the collection, use and processing of personal data, the Paywiser data privacy policy applies.

- Term of contract; Termination
  - Your contractual relationship with us runs indeﬁnitely. It ends automatically with the end of your contract for the current account oﬀered by us and administered with the Online Interface, if nothing else has been agreed to with you. With the end of our contractual relationship with you, all of the rights of use granted to you in accordance with these Supplementary Provisions likewise end.

- End User’s right of termination
  The termination rights of the Customer. Basic Rules Governing the Relationship Between the Customer and the Bank are taken as agreed.

- Termination right of Paywiser
  The termination rights of the Bank, Basic Rules Governing the Relationship Between the Customer and the Bank are deemed to have been agreed.

- Liability
  - We shall be liable without restriction for damages arising from injury to life, limb or health, which rests on a breach of duty by us, a legal representative, or auxiliary of us, which are caused by the absence of guaranteedquality by us or malicious behaviour on the part of us, as well as for damages that were caused by premeditation or gross negligence on the part of us or of a legal representative or auxiliary of us.

- - In the event of a breach of signiﬁcant contractual duties due to gross negligence, we shall be liable except in the cases listed in Clauses 8.1 and 8.3, with the amount to be limited to foreseeable damages typical under the contract. Signiﬁcant contractual duties are abstractly those duties whose fulﬁlment makes it possible in the ﬁrst place to implement a contract in orderly fashion, and upon whose observance the contractual parties may regularly rely.

- - Liability under the product liability law remains unaﬀected.
  - Otherwise liability on the part of Paywiser is excluded.

- Set-oﬀYou can only set oﬀ our claims with undisputed or legally established counter-claims.
- Amendment of the supplementary provisions
  - We will inform you about an amendment before the time at which the amendments become eﬀective by email (“amendment oﬀer”). The amendment oﬀer shall only become eﬀective upon the Customer’s consent.
  - For an amendment of the price list referenced in Clause 5 of these Supplementary Provisions, Clause 12.1 of these Supplementary Provisions applies accordingly.
- MiscellaneousFor these Supplementary Provisions, United Kingdom and Slovenia law applies to the exclusion of international private law. In the course of business with consumers inside the European Union, the law at the place of residence of the consumer can also be applied, if mandatory applicable consumer-related provisions are concerned.

General terms and conditions – Paywiser virtual bank accounts

(Version 1.0, Date: 01.05.2022)

1. Scope of application

- These General Terms and Conditions (“AGB”) are applicable for all the banking services of Paywiser Limited & Paywiser d.o.o (“Paywiser”, “we”), which you (“End user”, “You”) can use via the online interface provided by Paywiser that can be accessed under https://banking.paywiser.com (“Online Interface”).
- The supplementary terms of use, which you can view below are applicable for the use of the Online Interface (“End Customer interfaces”).

2. Object of service

- The object of service is the maintenance of a virtual bank account (“Account”). You can operate and manage the account via the end Customer interfaces. The prerequisite is an internet connection and a web browser which fulﬁls the respective minimum requirements for the operating system. Paywiser reserves the rights to upgrade the banking platform to enhance system functions, usability and remove any system bugs. The current account contract includes the following services in detail:

- - Account Management
  - Transfers
  - Standing Orders/Debit Orders
  - Mastercard or UPI International cards that are “linked” to the virtual bank account
- The account is used for the processing of payment transactions and the processing of card revenues from the linked (virtual) MasterCard or UPI International cards.
- The credit balance on the account is payable on a daily basis. The account is managed on a current account (“open account”) basis. The account is managed as credit account. Please note there are no overdraft facility on the accounts or cards provided by Paywiser.
- The transaction limit are defined by Paywiser and any changes to this limit will be agreed separately with you.
- You will not receive any interest on the account balance.

3. Account opening

- You can open an account, if you are at least 18 years old, have an internet browser and access to the internet and you reside in one the countries supported by Paywiser. The opening of multiple accounts is not permitted. The opening of an account is only permissible for a natural person. If any identiﬁable business turnover is transacted via the private account, we have the right to terminate the account with an appropriate notice period.
- To open an account via online interface, please visit the website: https://banking.paywiser.com
- A registration process is required for services offered by Paywiser. The registration can be performed electronically.
- By submitting an electronic account opening application to Paywiser, you are submitting a binding oﬀer to conclude for a contract for the provision of an account with the functions described under Clause 2 of these General Terms and Conditions.

4. Identity veriﬁcation, conclusion of contract

- We are legally obliged to verify your identity prior to the opening of an account. Identification documentations for personal and business accounts must be provided to Paywiser. Personal identiﬁcation checks may be carried out by our employees. Please check Paywiser’s Data Protection and Privacy Policy.
- A contract for the provision of an account with the functions described under Clause 2 of these General Terms and Conditions is concluded when we conﬁrm that we have set up an account for you (“Contract”), either via SMS, e-mail or in any other mode of direct communication.

5. Language of contract and communication

- English is the language of the contract and communication.
- Information and declarations, which concern your contractual relationship with us on the basis of these General Terms and Conditions or which are related to the same, should be sent to the following address, unless speciﬁed otherwise in these General Terms and Conditions:

Email: [email protected]

Phone: +44 238 1680 299

Address: Paywiser Limited: 36-38 Westbourne Grove Newton Road, London, United Kingdom, W2 5SH Paywiser d.o.o: Bravničarjeva ulica 13, 1000 Ljubljana, Slovenia

- Please always use your registered email address for submitting legally binding declarations with Paywiser.

6. Use of account
We identify you as an account holder authorised for making payments with the help of payment authentication instruments.

- Linked smartphone as authentication instrument
  The combination of a smart phone that is initially linked to your account and has a personalised security feature is used as an authentication instrument. You can only release the payment transactions with this combination.
- Personalised security features
  A unique combination of e-mail address and password, which you can set up yourself while opening an account and with which you can log on to the end user interfaces and One-time Password (OTP) that enables you to release payment transactions upon request (“Personalised security feature”) operates as personalised security feature.
- Credit transfers and direct debits
  Credit transfer orders and direct debits can be issued in Euro to SEPA accounts or in GBP to FAST accounts. The general terms and conditions for credit transfers and payments by direct debit under the SEPA and FAST core direct debit scheme apply.

7. Non-disclosure of personalised security features; secure storage of authentication instrument
You must maintain secrecy concerning your personalised security features and safely store your authentication instrument. Personalised security features and authentication instrument must be protected from access by a third party.

8. Costs and payment
Remunerations for our services and any expenses to be reimbursed by you are provided in our pricelist, which can be retrieved via the Paywiser website. Insofar as the remunerations become due, we calculate these on a monthly basis and debit them from your account at the end of every Month, insofar as not otherwise disclosed or stated in the price list.

8.1 Account Fee

- The Customer pays fees as set out in the Prices and Services for the funds on the account (“Account fee”).
- The monthly account fees are automatically deducted from the account at the each of each month. Transaction related fees are deducted at the time of the transaction. Accounts will have a negative account balance if the funds in the account is less than the fees payable for each month
- The month is counted with 30 days, the year with 360

9. Costs for mobile radio and data transfer
You may incur additional costs for the data transfer depending upon the tariﬀ agreed with your telecommunication provider. These costs must be borne by you and will be invoiced to you by the telecommunication provider.

10. Disclosure and notiﬁcation obligations

- You are obliged to correctly notify us regarding your personal data, in particular your name, address, date of birth, phone number and email address and provide prompt information to us about any changes to this end.
- Immediately inform us regarding a loss or theft of your authentication instrument, your personalised safety features or a misuse or unauthorised use of the same. You can ﬁnd the relevant contact information in the Paywiser Support contact details on our website.

11. BLOCKING OF THE ACCOUNT AND THE CARD

- Blocking of the account
  If we have the reasonable suspicion that any unauthorised use of your account has occurred, we are permitted to block or limit its access. We will inform you promptly via e-mail, SMS. Similarly, we will also block your account if you inform us about similar activities. We shall remove the block or the limitation if the reasons for blocking no longer exist.
- Blocking of the card
  You have the option to independently block and unblock your card in the end user interfaces. You can report your card as stolen, which will initiate a permanent deactivation of your card and a new card will be provided to you. You also have the option of calling our Customer support and request one of our employees to block your card upon successful authentication.

12. Data protection and bank secrecy
The registration, processing and utilisation of your personal data is conducted under strict maintenance of the applicable data protection laws and simultaneous protection of bank secrecy. You will ﬁnd further details regarding these regulations in the Paywiser data privacy policy.

13. Changes to this general terms and conditions (“AGB”)
Information concerning any changes to these General Terms and Conditions and the special conditions will be sent to you by e-mail prior to the proposed time of their date of eﬀectiveness. The changes shall only become eﬀective upon the Customer’s consent.

14. Applicable law
United Kingdom and Slovenia law is applicable for the business relation between you and Paywiser.

Supplementary provisions for users of the online interface that can be reached through https://banking.paywiser.com
1. Preamble
These provisions (“Supplementary Provisions”) apply to the online interface that can be reached through Paywiser.com (the “Online Interface”) in addition to the respective applicable conditions of use.

The Online Interface primarily serve to administer your Paywiser virtual account, which makes it possible to process transactions. In addition, we use the Online Interface to market our own services and products, and will continually build up this product range in cooperation with further partners.

2. Object of regulation

- These Supplementary Provisions apply to the services and products oﬀered by Paywiser. Furthermore, we would like to inform you about what personal data we collect, process and use.
- The contract between you and Paywiser comes into existence when we make it possible for you to log in to the Online Interface (acceptance) according to the required data you give when registering (oﬀer). Upon activation by us, a contract between you and Paywiser comes into existence on the basis of these Supplementary Provisions. Before giving your oﬀer, you have the opportunity, using the Back button on your browser or smartphone/tablet, as well as using control elements on the website, to change the data entered, or to completely abort the registration. Your contract with us will be concluded in Europe. You have the opportunity to call up the contractual provisions, inclusive of these Supplementary Provisions, whenconcluding the contract, and to store them in reproducible form. No separate storage of the contract text will be done by us.

3. Functionality

- The Online Interface serve for administration of the current account oﬀered by us as well as for the rendering of any other services agreed to with you. The Online Interface are 99% available. Availability indicates, with reference to the term of one (1) contractual year, the relation of the timeframe in which you were able to use the software through an existing Internet connection (plus the timeframe for which access on the basis of planned maintenance works or disturbances was not possible, which lay beyond the inﬂuence of Paywiser, such as disturbances in the Internet or disturbances in an app store), in relation to the length of the total contractual year.
- The Online Interface is protected by the intellectual property laws, such as copyright law and trademark law. These rights in relation to you are exclusively reserved to us.
- We grant you, exclusively to fulﬁl the purpose of our contractual relationship with you, the limited, non-exclusive, non-transferable and sub-licensable right, restricted to the period of your contractual relationship with us, to use the Online Interface in accordance with the provisions. The right of use expires upon expiration of the term of the contract.
- The User is not entitled to (i) rent, lease, lend, reproduce, resell or distribute the Online Interface, or access to them; (ii) use the Online Interface for the development of other services; (iii) activate or use the functionalities of the Online Interface for which no rights of use have been granted to him or her; (iv) assign the usage rights to the Online Interface to third parties, or grant third parties access to the Online Interface; (v) alter, translate, reproduce, or decompile the source code of the Online Interface, or investigate the functions thereof, outside of what may be legally mandatory in accordance with Copyright Law; and (vi) remove, conceal or alter legal information, in particular concerning industrial property rights or copyrights of Paywiser.

4. Duties of the user
When using the Online Interface, you are not allowed to perform any illegal actions or breach any applicable laws, in particular not to do the following: infringe industrial property rights, copyrights or intellectual rights of third parties; in your usage behaviour, make defamatory, racist or oﬀensive statements, or undertake such actions; transmit contents which contain viruses, Trojan horses, spyware, adware, malware or other damaging or harmful programmes; distribute unwanted advertising (spam) or any other form of nuisance.

5. Compensation
Compensation for our products and services can be found on the price list, which can be retrieved via the Paywiser website. Provided nothing else is speciﬁed, no compensation will be due for the use of the Online Interface.

6. Data protection

- Responsible authority
  The responsible authority for the processing of your personal data in connection with the App and the Online Interface and the usages described in Clause 1 above, as well as in connection with any further products and/or services is Paywiser (for contact data, see Clause 1 above).
- Collection, processing and use of your personal data
  We collect, process and use your personal data in harmony with the applicable statutory provisions. All of the personal data collected, processed, and used under our responsibility are stored exclusively for the purpose of fulﬁlling our contractual relationship with you, and not longer than is required for this purpose.
- Handling and review of your data; right to information; questions on data protection
  At any time, you can view your personal data in the Online Interface. You can also subsequently change your own password. In order to modify or change further personal data, please get in touch with our Customer Support department: [email protected]

Further, you can at any time demand information about the personal data stored which relates to you personally, as well as its origin and recipients and the purpose for which it is being stored. You can reach us using the aforementioned contact data. Questions, suggestions and notes on data protection can also be directed to the contact data mentioned there.

Otherwise, for the collection, use and processing of personal data, the Paywiser data privacy policy applies.

7. Term of contract; Termination

- Your contractual relationship with us runs indeﬁnitely. It ends automatically with the end of your contract for the current account oﬀered by us and administered with the Online Interface, if nothing else has been agreed to with you. With the end of our contractual relationship with you, all of the rights of use granted to you in accordance with these Supplementary Provisions likewise end.
- End User’s right of termination The termination rights of the Customer. Basic Rules Governing the Relationship Between the Customer and the Bank are taken as agreed.
- Termination right of Paywiser The termination rights of the Bank, Basic Rules Governing the Relationship Between the Customer and the Bank are deemed to have been agreed.

8 Liability

- We shall be liable without restriction for damages arising from injury to life, limb or health, which rests on a breach of duty by us, a legal representative, or auxiliary of us, which are caused by the absence of guaranteed quality by us or malicious behaviour on the part of us, as well as for damages that were caused by premeditation or gross negligence on the part of us or of a legal representative or auxiliary of us.
- In the event of a breach of signiﬁcant contractual duties due to gross negligence, we shall be liable except in the cases listed in Clauses 8.1 and 8.3, with the amount to be limited to foreseeable damages typical under the contract. Signiﬁcant contractual duties are abstractly those duties whose fulﬁlment makes it possible in the ﬁrst place to implement a contract in orderly fashion, and upon whose observance the contractual parties may regularly rely.
- Liability under the product liability law remains unaﬀected.
- Otherwise liability on the part of Paywiser is excluded.

9. Set-oﬀ You can only set oﬀ our claims with undisputed or legally established counter-claims.

10. Amendment of the supplementary provisions

- We will inform you about an amendment before the time at which the amendments become eﬀective by email (“amendment oﬀer”). The amendment oﬀer shall only become eﬀective upon the Customer’s consent.
- For an amendment of the price list referenced in Clause 5 of these Supplementary Provisions, Clause 12.1 of these Supplementary Provisions applies accordingly.

12. Miscellaneous
For these Supplementary Provisions, United Kingdom and Slovenia law applies to the exclusion of international private law. In the course of business with consumers inside the European Union, the law at the place of residence of the consumer can also be applied, if mandatory applicable consumer-related provisions are concerned.

Privacy and Data Policy

Privacy and Data Policy

PAYWISER LIMITED

Privacy Notice

Banking Authenticator

CONTENTS

1. Introduction

2. Definitions

3. Principles for Protecting Personal Data

4. Rights of Data Subjects

5. Data Protection Governance Structure

6. Responsibilities for Data Protection Compliance

7. Transfer/Commissioned Data Processing

8. Transfer of Customer Data

1. Introduction

2. Definitions

3. Principles for Protecting Personal Data

4. Rights of Data Subjects

5. Data Protection Governance Structure

6. Responsibilities for Data Protection Compliance

7. Transfer/Commissioned Data Processing

8. Transfer of Customer Data

PAYWISER PRIVACY POLICY

postopka izvensodnega reševanja potrošniških sporov

Splošni pogoji

ZA PRIDOBIVANJE SPLETNIH PLAČIL IN POGODBE ZA TRGOVCE

General Terms and Conditions

FOR ACQUIRING OF PAYMENT TRANSACTIONS AND MERCHANT AGREEMENTS

FAQ

General

Reports and Pay-outs

Transactions

General Terms and Conditions

Pravilnik o internem pritožbenem postopku in izvensodnem reševanju sporov

Paywiser Prepaid and Debit Card – Terms and Conditions

Terms & Conditions

Cardwiser Privacy Policy

Corporate Terms and Conditions for Business Visa Debit Cards issued by UAB “PAYRNET”.

Fees Schedule

Consumer cardholder terms

Fees Schedule

PAYRNET LIMITED

TERMS AND CONDITIONS FOR CONSUMERS

ELECTRONIC MONEY ACCOUNTS

PAYRNET LIMITED

TERMS AND CONDITIONS FOR CORPORATES

ELECTRONIC MONEY ACCOUNTS

PAYWISER LIMITED

DATA PROTECTION POLICY

PAYWISER DATA PROTECTION POLICY

UAB “PAYRNET”

TERMS AND CONDITIONS FOR CONSUMERS

ELECTRONIC MONEY ACCOUNTS

UAB “PAYRNET”

TERMS AND CONDITIONS FOR CORPORATES

ELECTRONIC MONEY ACCOUNTS

General terms and conditions – Paywiser virtual bank accounts

General terms and conditions – Paywiser virtual bank accounts

UPI Virtual Price

Physical CARD FEES

UPI Physical price

Physical CARDFEES