Privacy and Data Policy

(Version 1.0)

Data controller: Paywiser d.o.o.

Address: Bravničarjeva olica 13, 1000 Ljubljana, Tax. n. SI 92701221

E-mail: [email protected]

Tel: ***

Contact details of the Data Protection Officer (DPO): tel: *** email: [email protected].

Introduction

Paywiser d.o.o. is a company incorporated in Slovenia under the company number 8640084000 (the “Company”, “Controller”,“us”, “we”, “Paywiser”),
authorized by the BSI (Bank of Slovenia) as an Electronic Money Institution and is active in the field of payment and electronic money services.

Paywiser is committed to data protection and privacy. We respect and protect the rights of individuals, particolarly the
right to data protection and privacy as far as the processing and use of personal data is concerned. This Data
Protection Policy (“Policy”) defines the standard for the data protection compliant processing of personal data.

When handling personal data in course of their duties, all employees of our Company are required to follow the requirements of this Policy.

The principles mentioned in this Policy are based on the EU and Slovenian data protection and privacy laws and take into account the requirements of the EU
General Data Protection Regolation (Regolation (EU) 2016/679 – GDPR).

This Privacy Policy may be amended or supplemented at any time without prior notice or notification. By using the
Controller’s Payment Card after the amendment, you confirm that you agree to the changes of Privacy Policy and the use
of your data.

If you have any questions, please do not hesitate to contact our support team at [email protected].

Definitions

1. 1. 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.
   2. 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.
   3. 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.
   4. 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.
   5. 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 particolar 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, coltural,
      or social identity of that natural person.

We recommend that you provide only the personal data that you wish to provide or that are required to use a particolar
service. By entering or providing individual personal data, you authorise or consent to the processing of such data in
accordance with this Privacy Policy.

1. 1. 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.
   2. 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, consoltation, use, disclosure by
      transmission, dissemination or otherwise making available, alignment or combination, restriction,
      erasure, or destruction.
   3. 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.
   4. Third party
      A natural or legal person, public authority, agency, or body other than
      1. the data subject,
      2. the controller,
      3. the processor and
      4. the persons who are authorized to process personal data under the direct authority of the
         controller or processor.

Principles for Protecting Personal Data

Personal data shall only be processed lawfolly and in accordance with the principles set out below.

1. 1. Lawfolness, Fairness, and Transparency
      Personal data may only be processed lawfolly, 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.

Personal data shoold be collected directly from the data subject. If this is not the case, the data subject must
be notified, particolarly about the types of personal data that are being collected, processed, and/or used and for
which specific purposes this occurs.

1. 1. Specific Purpose
      Personal data may only be collected for specific, explicit purposes. It may not be processed
      in 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.
   2. Data Minimization
      Personal data may only be collected to the extent which is absolutely necessary to folfil 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.
   3. 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.
   4. 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, particolarly to comply with statutory retention periods. After this
      point, personal data must generally be erased or anonymized.
   5. 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 particolar, suitable measures to protect against
      unauthorized or unlawfol processing, accidental loss, destruction or damage, accidental disclosure and
      unauthorized access.
   6. Processing of Special Categories of Personal Data
      The collection, processing, and use of special categories of personal data shoold 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 shoold 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.

What information do we collect about you:

1. 1. Email address
   2. Foll name
   3. Mobile number
   4. Address
   5. Date of birth
   6. ID document details and photograph
   7. Selfie photograph
   8. Proof of address
   9. Card data (card number, cardholder name, expiry date, CVV)
   10. Account number, IBAN
   11. Transaction data
   12. Other data you may give us in our communication

Purpose of processing and Grounds for processing the data

We will process your personal data to the extent necessary for the achievement of the purposes of the processing and
solely for the purposes for which it was collected. We process your personal data in order to properly provide the
services offered to you. The purposes of the processing are as follows:

1. 1. Signing you up for a Paywiser Card and Account

Data collected: email address, foll name, date of birth, mobile number, address, ID document and photograph, selfie
photograph, proof of address.

Lawfol grounds: contract performance, legal obligation (we are required to collect this data from you on the basis of
current Anti Money Laundering – AML legislation)

Please note that it is not possible for us to issue a Card or open an account if you do not provide your personal data.

1. 1. Confirm your identity and prevent fraud

Data collected: email address, foll name, date of birth, mobile number, address, ID document and photograph, selfie
photograph, proof of address

Lawfol grounds: contract performance and legal obligation (we are required to collect this data from you on the basis of
current AML legislation)

1. 1. Process your payment transactions and provide you with customer support services

Data collected: email address, foll name, date of birth, mobile number, address, ID document and photograph, selfie
photograph, proof of address, card data, transaction data, account number, IBAN

Lawfol grounds: contract performance, legal obligation (we are required to collect this data from you on the basis of
current legislation), legitimate interests (to facilitate transactions)

1. 1. To contact you

Data collected: email address, foll name, mobile number, address

Lawfol grounds: contract performance, legitimate interests (to improve our services and help our users)

1. 1. Marketing communications

Data collected: email address, foll name, mobile number, address

Lawfol grounds: contract performance, legitimate interests (to inform you about the latest developments in our offer)

1. 1. Comply with AML regolations and legal obligations

Data collected: email address, foll name, date of birth, mobile number, address, ID document and photograph, selfie
photograph, proof of address, Card data, Transaction data

Lawfol grounds: legal obligation (we are required to collect this data from you on the basis of current AML legislation)

Rights of Data Subjects

1. 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 Controller must provide you with information
      including: purposes for processing your personal data, retention periods for that personal data, and who
      it will be shared with.
   2. Right of Access and Data Portability
      Data subjects have the right to obtain from the Controller confirmation as to whether or not personal
      data concerning them are being processed. In such case, the Controller shall provide access as required
      by law. The information is provided in the format requested by the data subject. The information to be
      provided to you must include the purpose of storage, the recipients of the data, and all other legally
      required information pursuant to Article 15 of the GDPR. You have a right to be provided with a copy of
      the personal data that are undergoing processing. Upon your request, the data that you have provided to
      the Controller must be made available in a structured, commonly used and machine-readable format.
   3. Right to Rectification, Restriction, and Erasure
      When personal data prove to be incorrect, incomplete, or out-of-date, you have the right to
      rectification of your personal data. You also have the right to obtain restriction of processing of your
      personal data when one of the following applies:
      1. 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, you can demand restriction for the period of
         the verification of the accuracy.
      2. The processing is unlawfol, and the data subject opposes the erasure of the personal data and
         requests the restriction of its use instead.
      3. The Company 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. Shoold
         it become apparent that certain information has a respective value to the data subject, the data
         subject must be notified of the pending erasure with reasonable notice.
      4. 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 must be marked with the aim to restrict access and limit their
further processing. In addition, you have the right to the erasure of your personal data in the following cases:

1. 1. 1. The purpose of the data processing no longer applies.
      2. You withdraw your consent for a specific purpose of processing.
      3. Address data is used for direct marketing purposes and you object to such use.
      4. The data is processed unlawfolly.
      5. Erasure is required to meet legal obligations.

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.

Please note that we may not always be able to complete your request for deletion for legal reasons that woold exist at
the time of the request and about which we will notify you.

4. Right to Object
You have the right to object to data processing when the Controller processes personal data based on a decision in
favour of its legitimate interests. In this case, you shall claim your own rights or interests on grounds relating to
their particolar situation, which outweigh the Controller’s legitimate interest to process the data. You can object to
the processing of your personal data for purpose of direct marketing at any time and without giving reasons. If an
objection is raised, the Controller 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, particolarly the establishment,
exercise, or defence of legal claims.

5. Right to Portability

You have the right to receive the personal data concerning you, which you have provided to the Controller, in a
structured, commonly used and machine-readable format and have the right to transmit those data to another controller
without hindrance from the controller to which the personal data have been provided,

where:

(a) the processing is based on consent pursuant to point (a) of Article 6(1) or point (a) of Article 9(2) or on a
contract pursuant to point (b) of Article 6(1); and

(b) the processing is carried out by automated means.

5. Right to Complain
If a data subject wishes to file a complaint with regard to processing of their personal data, they can do so directly
in an e-mail to: [email protected]. The data subject will be notified about
all measures taken based on their request within one month at the latest.

You also have a right to file a complaint to the Information Commissioner’s Office (Informacijski pooblaščenec, Dunajska
cesta 22, 1000 Ljubljana, Slovenia), tel: 01 230 97 30, e-mail: [email protected] if
you believe that your personal data is being stored or otherwise processed in breach of the applicable roles governing
the protection of personal data.

Automated decisions

We do not make any automated decisions based on the data we collect from you.

Retention Period

Unless otherwise specified or required, the Controller will process your personal data until the purpose for which the
data was collected is folfilled.

Where the retention period for individual personal data is regolated by a law that applies to us, we must keep such data
in accordance with the required retention period.

Based on Anti Money Laundering regolations, we are legally obligated to keep records of collected data for at least ten
(10) years after the last transaction or interaction with you. You have the right to request the deletion of your
information. However, for legal purposes, we may need to keep the data anyway, to meet the legal requirements. If you
request the deletion of your information, we can no longer provide our services.

Any personal data processed by the Controller on the basis of your consent will be processed by the Controller until you
withdraw your consent.

After the retention period has expired, the Controller will effectively and permanently erase or anonymise the personal
data so that it can no longer be linked to a specific individual.

Contractual Data Processors

In order to optimise its operations, the Controller cooperates with individual contractual processors who, in the
context of providing services to the Controller, also process your personal data to a certain extent. Such contractual
processors are for example accounting services, IT services, external legal consoltants, cloud and email service
providers, payment institutions and our other contractors.

All these entities have a contract with us for the processing of personal data, which means that they may process the
data provided exclusively on our behalf, within the limits of our authorisation and instructions and in accordance with
the purposes defined in this Privacy Policy and in the contract between the Controller and the individual contractual
processor.

In order to comply with our own legal obligations, the Controller may also provide your data to state authorities and
institutions to the extent required.

Transfer of Personal Data to a Third Country or an International Organisation

We may transfer the data we collect from you to organisations outside the European Economic Area (EEA). 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 and that:

1. 1. the European Commission says the country or organisation has adequate data protection laws in place, or
   2. we have agreed to standard data protection clauses in a written contract with the organisation, approved
      by the European Commission.

Amendments of Privacy Policy

Paywiser reserves the right to make changes to this Privacy Policy. Any changes to this Privacy Policy will be published
on our website. By using the services provided by the Controller in the App, you acknowledge that you have read and
understood the entire content of this Privacy Policy and any amendments thereto.

Paywiser Limited
June 2022

Privacy and Data Policy

1. 1.  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.

1. 1.  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.
   2.  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.
   3. 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.
   4. 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 particolar 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, coltural, or social identity of that natural person.
      We recommend that you provide only the personal data that you wish to provide or that are required to
      use a particolar
      service. By entering or providing individual personal data, you authorise or consent to the processing
      of such data in
      accordance with this Privacy Policy.
   5. 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.
   6. 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, consoltation, use, disclosure by transmission, dissemination or otherwise making
      available,
      alignment or combination, restriction, erasure, or destruction.
   7. 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.
   8. Third party
      A natural or legal person, public authority, agency, or body other than

1. 1. 1. the data subject,
      2. the controller,
      3. the processor and
      4. the persons who are authorized to process personal data under the direct authority of the
         controller or processor.

1. 1. Lawfolness, Fairness, and Transparency
      Personal data may only be processed lawfolly, 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.Personal data shoold be collected
      directly from the data subject. If this is not the case, the data subject must benotified,
      particolarly about the types of personal data that are being collected, processed, and/or used and for
      which specific purposes this occurs.
   2. Specific Purpose
      Personal 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.
   3. Data Minimization
      Personal data may only be collected to the extent which is absolutely necessary to folfil 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, particolarly to comply with statutory retention periods. After this point, personal
      data must
      generally be erased or anonymized.
   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 particolar, suitable measures to protect against unauthorized
      or unlawfol
      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 shoold 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 shoold
      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.

1. 1. Email address
   2. Foll name
   3. Mobile number
   4. Address
   5. Date of birth
   6. ID document details and photograph
   7. Selfie photograph
   8. Proof of address
   9. Card data (card number, cardholder name, expiry date, CVV)
   10. Account number, IBAN
   11. Transaction data
   12. Other data you may give us in our communication

1. 1. Signing you up for a Paywiser Card and Account
      Data collected: email address, foll name, date of birth, mobile number, address, ID document and
      photograph, selfie
      photograph, proof of address.
      Lawfol grounds: contract performance, legal obligation (we are required to collect this data from you on
      the basis of
      current Anti Money Laundering – AML legislation)
      Please note that it is not possible for us to issue a Card or open an account if you do not provide your
      personal data.
   2. Confirm your identity and prevent fraud
      Data collected: email address, foll name, date of birth, mobile number, address, ID document and
      photograph, selfie
      photograph, proof of address Lawfol grounds: contract performance and legal obligation (we are required
      to collect this data from you on the
      basis of current AML legislation)
   3. Process your payment transactions and provide you with customer support services
      Data collected: email address, foll name, date of birth, mobile number, address, ID document and
      photograph, selfie
      photograph, proof of address, card data, transaction data, account number, IBAN
      Lawfol grounds: contract performance, legal obligation (we are required to collect this data from you on
      the basis of current legislation), legitimate interests (to facilitate transactions)
   4. To contact you
      Data collected: email address, foll name, mobile number, address
      Lawfol grounds: contract performance, legitimate interests (to improve our services and help our users
   5. Marketing communications
      Data collected: email address, foll name, mobile number, address
      Lawfol grounds: contract performance, legitimate interests (to inform you about the latest developments
      in our offer)
   6. Comply with AML regolations and legal obligations
      Data collected: email address, foll name, date of birth, mobile number, address, ID document and
      photograph, selfie
      photograph, proof of address, Card data, Transaction data Lawfol grounds: legal obligation (we are
      required to collect this data from you on the basis of current AML legislation)

• 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, you can demand restriction for the period of the verification of
  the accuracy.
• The processing is unlawfol, and the data subject opposes the erasure of the personal data and
  requests the restriction of its use instead.
• The Company 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. Shoold it become apparent
  that certain information has 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 must be marked with the aim to restrict access and limit
  their further processing. In addition, you have the right to the erasure of your personal data
  in the following cases:
• The purpose of the data processing no longer applies.
• You withdraw your consent for a specific purpose of processing.
• Address data is used for direct marketing purposes and you object to such use.
• The data is processed unlawfolly.
• Erasure is required to meet legal obligations.

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.

PAYWISER PRIVACY POLICY

1. INTRODUCTION

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.

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. PRAVICE IN DOLŽNOSTI TRGOVCA

Skladnost

1. 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.

2. 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
   

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

   Prikaz oznake sprejema

4. Na lokaciji Trgovca morate prikazati ustrezne oznake Kartičnih shem, kjer so navedeni načini plačila, ki označujejo katere Kartice se sprejema za plačila.

5. Ko na svoji spletni strani prikažete oznako sprejema Kartične sheme, se strinjate, da sprejemate kartico te Kartične sheme za plačilo.

6. Na vaši spletni strani in/ali aplikaciji je najprimernejši način prikaza sprejema barvna oznaka na plačilni strani.

7. 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

8. 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

9. Če ste pomotoma obdelali transakcijo, morate v 30 koledarskih dneh obdelati spremembo ali prilagoditev.

   Pravica Imetnika kartice do pritožbe

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

    Povračila

11. Povračilo morate procesirati samo takrat, ko želite Imetniku kartice nakazati sredstva za vrnjene izdelke, odpovedane storitve ali popravek cene v zvezi s predhodnim nakupom.

12. Povračilo ne sme presegati odobrenega zneska povezane Plačilne transakcije.

13. 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.

14. Ne smete:

    1. prejeti plačila Imetnika kartice za obdelavo Nadomestila;

    2. Obdelati nadomestila, brez da bi z istim imetnikom kartice zaključili predhodno Plačilno Transakcijo.

15. Pri obdelavi Povračil morate dosledno upoštevati navodila, ki vam jih damo po sklenitvi te Pogodbe in njenih morebitnih spremembah.

    Znesek Transakcije

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

    Plačilo obstoječega dolga

17. 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)

18. Trgovec ne sme sprejeti kartice za nakup Scrip.

19. 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

20. 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.

21. 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

22. 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.

23. 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.

24. Vi ste odgovorni za preverjanje naslova Imetnika kartice in za zagotovitev, da se izdelki pošiljajo na ta naslov.

25. Glede na izdelke in/ali storitve, ki se ponujajo, se lahko uporabljajo posebne zahteve.

26. Če SCA ne uvedete v za nas sprejemljivem roku, se lahko vaša pravica do obdelave transakcij nemudoma prekine.

27. Pri uporabi protokola SCA morate upoštevati vsa navodila, ki vam jih naložimo. Potrdilo o transakciji

28. 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.

29. 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.

30. Potrdilo o transakciji morate hraniti najmanj 13 mesecev od datuma transakcije in nam ga na zahtevo predložiti.

    Promocijska gradiva

31. 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.

32. 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

33. Priznavate, da je vsaka Kartična shema edina lastnica svojih blagovnih znamk.

34. 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.

35. 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

36. 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

37. 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

38. 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.

39. Takoj nam boste posredovali vse dodatne informacije, ki jih bomo potrebovali v zvezi z dejanskim ali domnevnim dogodkom podatkovne varnosti.

40. 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

41. Za preverjanje skladnosti lahko izvedemo revizijo vašega zaposlovanja; inventar; reklamno gradivo, prodajno in trgovsko gradivo; operativni nadzor; uveljavljene provizije; spoštovanje standardov.

42. 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.

43. 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.

44. 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.

45. Na našo zahtevo nam morate predložiti svoj Akcijski načrt nemudoma, oziroma najpozneje v 6 (šestih) delovnih dneh po prejemu naše zahteve.

46. 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

47. 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

1. 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.

2. 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.

3. 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.

4. 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..

5. Če ne bomo
   mogli odšteti zapadlih provizij, bomo izdali račun za dolgovani znesek.

6. Za vse
   provizije, ki jih dolgujete tretjim osebam, ste izključno sami odgovorni in jih Pogodba ne
   pokriva.

7. 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.

8. 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.

9. 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.

10. 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.

11. 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.

12. 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.

13. 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.

14. 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

15. 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.

16. Varščina lahko vključuje: (i) ustanovitev Rezervacije sredstev; (ii) zagotavljanje garancije v našo korist; (iii) druge varščine, o katerih se pogodbenici dogovorita.

17. Pri določanju varščine in njenega zneska lahko upoštevamo našo oceno tveganja, vključno z vašim
    celotnim finančnim stanjem.

18. 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.

19. Varščina bo ostala ohranjena ne glede na kakršno koli odpoved pogodbe, vse dokler obstajajo odprte ali
    pogojne finančne obveznosti.

20. 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.

21. 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.

22. 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.

23. 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.

24. 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.

25. 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.

26. 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.

27. Zaračunali vam bomo stroške, ki so upravičeno nastali v zvezi s kakršnimi koli izterjavami ali prisilnimi izvršbami. Rezervacija sredstev

28. 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.

29. Rezervo bomo po lastni presoji sami določali občasno.

30. 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

31. 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

32. Zavezujemo se, da bomo z vami opravljali poravnave le v valuti, ki je določena v Ceniku, razen če se izrecno pisno dogovorimo drugače.

33. 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.

34. 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.

35. Predložiti nam morate popolne in pravilne podatke o vašem Plačilnem računu.

36. 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..

37. 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.

38. 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.

39. 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.

40. Obdobje
    poravnave je dogovorjeno v Ceniku in je lahko tedensko, dvo-tedensko ali mesečno (priporočeno).

41. 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 ..

42. Prav tako
    lahko odložimo plačilo zaradi razloga navedenega v razdelku „Suspenz storitev“.

43. 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.

44. 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

45. 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.

46. 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.

47. 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]

48. 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.

49. 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).

50. Paywiser
    samodejno zagotavlja elektronske račune. Zahtevate lahko tiskane račune ali izpiske (Paywiser
    lahko zaračuna dodatne

    stroške).

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

    Oblikovanje cen

52. 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.

53. 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

54. 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

55. 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

1. 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).

2. 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.

3. 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.

4. Če Stranko sestavlja več oseb, je
   odgovornost teh osebe solidarna.

   Posebne določbe
   

5. 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.

6. 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

1. 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.

2. 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.

3. 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.

4. 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

1. 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.

2. 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

3. 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.

4. 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.

5. Če prekličete svoje soglasje za
   prejem komunikacij v elektronski obliki, lahko odpovemo vašo Pogodbo ali vam zaračunamo dodatne
   provizije za papirne kopije.

6. 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.

7. Pogodbo in splošne informacije o
   pogodbi lahko po elektronski pošti kadarkoli zahtevate v papirni obliki ali na drugem
   trajnostnem nosilcu podatkov.

8. Papirnate
   kopije vam bomo poslali po pošti. Da vam lahko pošljemo papirnate kopije, morate imeti veljavni
   poštni naslov.

   Kontaktni podatki
   

9. 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.

10. Vaša
    odgovornost je, da e-poštni naslov in naslov za prejem pošte ustrezno posodabljate, da bomo
    lahko nemoteno komunicirali z

    vami.

11. 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.

12. 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
    

13. 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

14. 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.

15. 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.

1. DEFINITIONS AND INTERPRETATION

1.    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.

2. 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:

             1. is owned or controlled, directly or indirectly, by a person targeted by sanctions; or

             2. 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

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.

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]

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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]

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:

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