Prime Pay UAB authorised EMI agent working under Globalnetint JSC license (Nr.21) and supervised by Central Bank of Lithuania for the issuing of electronic money.
Prime Pay UAB registered in Lithuania () and offices in UK
As used in this Agreement, the following terms have the following meanings. The singular shall include the plural, and the plural the singular. All captions are intended solely for convenience of reference and shall in no way limit any of the provisions of these Terms.
“Account” means the e-money and/or crypto currency account associated with your e-Wallet(s) and Card(s) that is created at the time you signed up to be a Banq24 Account Holder.
“Account Holder” means the person who has an Account with Banq24.
“Account-to-Account Service” or “A2A” means the Banq24 Service that enables an Account Holder to make secure on-line payments and/or to transfer funds in their Account to another Account Holder electronically.
“ATM” means an automatic teller machine from which cash can be dispensed when you use your Card.
“Business Day(s)” means any weekday other than bank holidays in the United Kingdom.
“Card” and “Card” mean the Virtual Card and/or the Physical Card, which access your Account.
“Card Organisation” means Visa, Mastercard, Union Pay International and any other organisation so designated by us, which provides their payment products to Prime Pay Ltd for provision to its Account Holders.
“Card Organisation Rules” means all applicable rules, regulations, procedures and other requirements issued by or formed in respect of a relevant Cards Organisation, as amended, replaced or supplemented from time to time;
“Card Service” and/or “Card Services” means all of the functionality on your Card, provided to you by us.
“Chargeback” means an amount representing the value of a Transaction which the Card issuer has refused to settle to the Acquiring Partner or in respect of which the issuer seeks reimbursement in accordance with the Card Scheme Rules;
“Cooling-Off-Period” means a period of fourteen (14) days, after which you obtained your Card and/or Account in which you can cancel your Card and/or Account without incurring a penalty or a Fee.
“Currency Conversion Fee” means the Fee which is charged to an Account when funds are moved from one currency to another within their e-Wallets whether fiat currency or cryptocurrency.
“Data Controller” has the meaning given to it under the Data Protection Law;
“Data Processor” has the meaning given to it under the Data Protection Law;
“Data Protection Law” means (as amended, superseded or replaced from time to time and to the extent applicable to a Party, its business or services or obligations under this Platform Services Agreement or the subject matter in question):
(i) the Data Protection Act 1998;
(ii) any legislation or regulations which implement Directive 95/46/EC;
(iii) Privacy and Electronic Communications (EC Directive) Regulations 2003;
(iv) the GDPR; and
(v) all legally binding guidance and codes of practice issued by any regulator with jurisdiction over the data processing arrangements contemplated in this Platform Services Agreement;
“EMV and EMV CHIP” means Europay, MasterCard, and Visa, and is the global standard for inter-operation of integrated circuit cards and capable point of sale terminals and automated teller machines, for authenticating credit and debit card transactions;
“e-Wallet” and “e-Wallet Account” means the electronic purse holding e-money or cryptocurrencies for each Account Holder and may be denominated in different fiat currencies and cryptocurrencies at our sole discretion.
“Fees” means those charges that may be applied to your Account to pay Banq24 for a transaction and/or an activity on your Account, e-Wallet or Card. These Fees can be found in Section IX – “Fees and Limits” of this Agreement, or which have been otherwise disclosed to you at the time you obtained your Card, or has been disclosed to you, with two (2) month’s notice, as having been modified by Banq24.
“GDPR” means Regulation (EU) 2016/679, known as the General Data Protection Regulation;
“KeyCard” means the list of six digit authentication numbers that are referenced by a reference-number that can consist of one to three numbers followed by a “-“ and two alpha characters. This authentication number is required when you access your Account and when you access certain functions within your Account.
“Load Method” and “Loading Methods” means all of the methods that we offer to enable you to load money from your funds sources outside of Prime Pay, UAB. These may include, but are not limited to, loads of funds by Credit Card/Debit Card purchases, transfers from your bank account and wire/telegraphic transfers.
“Merchant Account” means an Account designated by us that is governed by separate agreements between us and the Merchant Account owner.
“Message Centre” means the secure mailbox in your online Account to which Banq24 will deliver confidential messages regarding your Account and your Cards.
“Personal Data” has the meaning given to it under the Data Protection Law;
“Personal Information” means, but is not limited to the following: (1) your name and address; (2) your current government issued identification document with your picture; and (3) proof of your address; (4) all information we collect from your use of the Account, together with any other additional personal information we may require from you from time to time.
“PIN” means Personal Identification Number, the four (4) digit code provided to you for use when you use your Card at an ATM and at participating merchants.
“Products” means all Banq24 tangible or intangible goods that are sold to our customers.
“Products and Services” means the Products and Services including, for the avoidance of doubt, the Account and Card Services offered to Account Holders
“Security Code” means the three (3) digit code that is provided to you in your Message Centre when you obtain a Virtual-Card, or is printed on the reverse of the Physical-Card.
“Service” and/or “Services” means all Banq24 functionality provided to you, including but not limited to the Account-to-Account Service.
“Sponsor Account” means a specific type of Merchant Account that is designated by us that is governed by separate agreements between us and the Sponsor Account owner.
“Sponsored Account” means an account purchased by a Merchant Account on behalf of a third party.
“User ID” means the letters and characters chosen by an Account Holder, or assigned by us, to identify an Account.
“Banq24” is a trading style of Prime Pay Ltd registered number 11725822, registered office 86-90 Paul street, London, EC2A 4NE
“Virtual Card” means a virtual prepaid Card, which is issued with no physical plastic card attached, for use at certain online and/or telephone/mail order merchants.
“we” and “our” and “us” means PSI and/or Prime Pay Ltd and/or Banq24, and/or our affiliates and assigns as appropriate.
“Withdrawal Method” means any of the methods offered by Prime Pay Ltd, at our sole discretion, that allows Account Holders to move funds from their Account to an external account.
“you” , “your” and yours means the person who is purchasing, accepting or using Cards.
The Products and Services described in this Agreement are only available to individuals who are over eighteen (18) years of age and have been approved in advance by us. We may, in our sole discretion, at any time, refuse to allow you to purchase, fund or use any of these Products and Services
Your Account with us is set up by you completing an application process with us. An Account may also set up for you by another party. Your Account consists of one or more e-Wallets and any other Prime Pay Product(s) purchased by or provided to you. You may access your Account using a unique User ID and password that you were asked to set up at the time you applied for or were provided your Account, and the designated authentication number from the KeyCard that was provided to you.
When you sign up for an Account, or when you received an Account from another party, we will provide one or more e-Wallets to you.
To use your e-Wallet, you must sign on to your Account by entering your User ID and password and the designated authentication number from your KeyCard.
(i) load funds onto your e-Wallet by loading methods provided by us;
(ii) make Account-to-Account Transactions using your e-Wallet;
(iii) move funds to another e-Wallet that is linked to your Account; and
(iv) use funds from your e-Wallet to purchase other Products and Services provided by us.
Additionally, you may withdraw funds from your e-Wallet to withdrawal mechanisms provided by us including, but not limited to, bank/wire transfers and country or region specific funds transfer mechanisms such as SEPA transactions in the European Union.
These Services will be subject to all applicable Fees, as are posted on our website or as have been agreed by you when you received your Account, or as have been modified by us and agreed by you.
Your e-Wallets are designed to: (i) enhance security and maximize the protection of your funds; and (ii) facilitate the use of your funds within our environment. By keeping funds in one or more of your e-Wallets until you are ready to spend the funds, you can ensure that funds in your Account are safe in the event that your Card Organisation products are compromised or your Card is lost or stolen. Movement of funds between your e-Wallets and any other Moorwand Product that is linked to your Account is done in real time.
You must have a Account before you can obtain a Card.
If you have a current and valid Account and request a Card, such request is your active consent to us using the Personal Information and Account history that we have on file in your Account to determine if you are eligible to receive a Card.
Such consent shall also be consent to allow us to verify your Personal Information against private and governmental information sources to which we have access.
If we approve you to receive a Virtual Card, it will be provided to you as is described in Section 4.
If we approve you to receive a Physical Card, it will be provided to you via regular mail, or via private courier service if you so select in accordance with the terms in Section 4.
As with obtaining your Account you can take advantage of the Cooling Off Period to cancel your Card.
The Virtual Card
You may have purchased or have been provided one or more Virtual Cards. After you are approved for a Virtual Card, you will be notified by an email to your external email address that you provided to us, that you can access the Virtual Card number, Security Code, and the expiration date of your Virtual Card in the Message Centre of your Account. we will make this information available to you within twenty-four (24) hours after you being approved for your Virtual Card.
A Virtual Card is not a Physical Card.
Your Virtual Card holds its own e-money balance. You may fund your Virtual Card with the funds from any one of your e-Wallets. You may move funds from your Virtual Card back to your e-Wallet for extra security. Funds in your e-Wallets or on your Physical Card are not available when you use your Virtual Card until you have transferred the funds from your e-Wallets and/or your Physical Card to your Virtual Card. Funds that are on your Physical Card must be first transferred to one of your e-Wallet(s) and can then be transferred to your Virtual Card.
Your Virtual-Card can be used at any Internet website, telephone or mail order merchant that accepts the relevant Card Organisation cards unless that merchant or category of merchants has been blocked by us. Should we, in our absolute and unfettered discretion, choose to block usage of your Card at any merchant or merchant group, we will notify you two (2) months in advance, unless ordered to do so sooner by the relevant Card Organisation or a relevant governmental agency, at which time you may cancel your Card according to the conditions of Section 8 – “Cancelling your Card”.
To use your Virtual Card, provide the card number, the Security Code, if applicable, and the expiration date to the merchant. we reserve the right in our sole discretion to prohibit acceptance of your Virtual Card at certain merchants.
We neither accept nor assume any liability to ensure that goods or services that you purchase using your Virtual-Card are as advertised for sale or will meet your satisfaction.
You may have purchased a Physical Card at the time you obtained your Account, or at any time thereafter. Your Physical Card holds its own e-money balance. Funds that are in any of your e-Wallets or are on your Virtual Card are not available when you use your Physical Card until you have transferred the funds from one or more of your e-Wallets to your Physical Card. Funds that are on your Virtual Card must be first transferred to your e-Wallet and can then be transferred to your Physical Card.
If you are issued a Physical Card, Banq24 will mail your Physical Card to the address that was provided to us. Your Physical Card will be issued within five (5) Business Days after you being approved for the Physical Card. If you choose to have your Card delivered by private courier, you will be charged a Fee as is disclosed in Section 9 – “Fees and Limits”.
Your Physical Card will display your name, a card number, a Security Code, and the expiration date of your Physical Card. Once you receive your Physical Card, you will be required to log onto Banq24’s website at www.banq24.com to authenticate yourself, activate your Physical Card and obtain your PIN. You may create your own PIN or one will be provided to you by Banq24.
DO NOT KEEP A WRITTEN RECORD OF YOUR PIN.
Your Physical Card can be used at any merchant worldwide that accepts the relevant Card Organisation. Should we, in our absolute and unfettered discretion, choose to block usage of your Card at any merchant or merchant group, we will notify you two (2) months in advance, unless ordered to do so sooner by the relevant Card Organisation or a relevant governmental agency, at which time you may cancel your Card according to the conditions of Section 8 – “Cancelling your Card”.
You can use your Physical Card by: (1) inserting your Physical Card into a Point-of-Sale ( “POS”) terminal and entering your PIN into the POS terminal; (2) inserting your Physical Card into a POS terminal and signing the transaction receipt; and (3) swiping the magnetic stripe on your Physical Card through the card swipe mechanism on a POS terminal, and either entering your PIN on a PIN pad, or signing a transaction receipt.
Your Physical Card can also be used to withdraw available funds at any ATM which accepts the relevant Card Organisation cards by inserting your Physical Card into the ATM and entering your PIN
Your Card information is important information which you agree to keep confidential in order to prevent others from using your Cards without your authorisation. Specifically, under this Agreement and for your protection, you agree:
not to use your Card as a means of identifying yourself to any other person; and,
not to discuss your Card number(s) or Security Code(s) or PIN, or otherwise make these available to any other person, unless you intend to make a purchase from that person’s business and,
to use your Card only in a manner authorised under the Terms of this Agreement; and,
to promptly notify Banq24 of any loss, compromise or theft of your Card number(s), expiration date and/or PIN; and,
that any unauthorised person who obtains access to your Card information may use the funds on your Card up to the full balance on your Card, and in such event, your maximum liability is for the first €50 of losses arising from any unauthorised transactions that take place prior to your notifying us of loss, theft or misuse. You will not be held liable for any further losses once you have notified us of unauthorised transactions unless we reasonably determine that you acted fraudulently or with gross negligence (in which cases you shall be liable for all losses). we will block your card to protect your funds once you have advised us of any unauthorised transactions.
You will never be asked by Banq24, whether by via email, regular mail or telephone, for any reason, to disclose your card’s pin. We will never send you an email requesting that you access banq24’s website by clicking on an embedded link in the email and then require you to provide your card information or pin. If you receive such an embedded link, you are cautioned not to open it! It is not from Banq24 and is likely fraudulent.
You can check the Personal Information that Banq24 has on you by accessing your Account on Banq24’s website. Please ensure that your Personal Information is up to date, as Banq24 uses this information in order to contact you. When you update your Personal Information Banq24 will validate the changed Personal Information to ensure that you are still eligible to have a Card. If your new Personal Information prohibits you from having a Card Banq24 is required by law to immediately cancel your Card with no previous notice to you.
Each time you use your Card to make a purchase at a merchant, or ATM, the amount of the transaction will be immediately deducted from your available balance as applicable. we will also deduct from your available balance all applicable Fees as specified below in Section 9 – “Fees and Limits”. You are not allowed to exceed the balance on your Card by any individual transaction or series of transactions with the transaction’s relevant Fees as are provided in Section 9 – “Fees and Limits” and have been posted on banq24’s website and have been disclosed to and accepted by you.
Your Virtual Card is valid for thirty-six (36) months and will be automatically renewed. We will notify you about the renewal of your Virtual Card at least once prior to renewal.
You will be required to activate your Virtual Card according to the instructions provided by Banq24 via an email to your Account Message Centre prior to the expiration date of your Virtual-Card.
We will not send you a Physical Card. We will charge your Account all applicable Fees for your Virtual Card renewal, as per the Fee schedule available in Section IX – “Fees and Limits”, and have been posted on the Banq24 website, or have been disclosed to and accepted by you.
Your Physical Card is valid for thirty-six (36) months and will be automatically renewed. We will send you a replacement Physical Card at least one (1) month before the expiration of your Physical-Card.
You will be required to activate your new Physical Card according to the instructions provided by Banq24 when you receive your Physical Card. We will charge your Account all applicable Fees as are provided in Section 9 – “Fees and Limits” and have been posted on Banq24’s website and have been disclosed to and accepted by you.
You have a legal right to cancel your Card up to fourteen (14) days after you have applied and paid for your Card without being charged a fee. This fourteen (14) day period is known as the “Cooling-Off-Period”. If you have made transactions on your Card during this Cooling-Off-Period, you will be responsible for these transactions.
Should you wish to cancel your Card you may do so on written notice to Banq24.
Upon receipt of this notice, you may withdraw any remaining funds on your Card by:
(1) using your Virtual Card to purchase goods or services at any Internet/mail/telephone merchant website that accepts Cards;
(2) using your Physical Card to purchase goods or services at any merchant that has the ability to accept the relevant Card Organisation cards;
(3) using your Physical Card to withdraw funds at an ATM which accepts Cards; or
(4) transferring any of the remaining funds on your Card to your Account and request a redemption of your funds from your Account.
Should you request a redemption of the remaining funds on your Card by transferring them to your Account, Banq24 will transfer your funds to your Account at no charge.
If you choose to have the funds that were on your cancelled Card and have been transferred to your Account and desire these funds to be redeemed to you, Banq24 will do so at no charge to you.
Subject to relevant regulations in force at the time, we reserve the right to block access to or to cancel your Card if:
(1) you load funds onto your Account and then move these funds to your Card from any source that you do not have the legal right from which to transfer funds;
(2) you violate the Terms of this Agreement; or
(3) we are so directed by the order of a court of competent jurisdiction.
If ordered by a court of competent jurisdiction or other legal or regulatory agency, Banq24 may be required to withhold repayment of your funds to you.
You have had the opportunity to have purchased your Card on Banq24’s website, or may have been provided your Card by a third party.
Should you have purchased your Card directly from Banq24, the following Fees and Limits apply to your Card.
For Cards obtained through another party, refer to the fees and limits provided to you upon your issuance of that Card.
Banq24 may, in Banq24’s sole discretion, modify these Fees. If Banq24 modifies these Fees, Banq24 will provide you with two (2) months’ notice of the Fee change and if you do not accept these Fee changes, you may cancel your Card according to the terms of Section 8 – “Cancelling your Card”.
You hereby authorise Banq24 to deduct the relevant Fees from your Account balance or your Card balance without prior notice. All of the Fees shown below are applied in Euros. Where relevant, should you incur any Fee or reach any of the limits due to transactions in a currency other than Euros, the Fee and/or Limit will be applied in the equivalent amount of the non-Euro currency used.
The following limits apply:
Should you have obtained your Card through a company who has a relationship with Banq24, relevant Fees and Limits will have been provided to you, and you have agreed to these Fees and Limits prior to obtaining your Card.
These Fees apply to your Card only at the time your obtained your Card. Banq24 may, in our sole discretion, modify these Fees. If we modify these Fees, Banq24 will provide you with two (2) months’ notice of the Fee change, should you not accept the Fee change, you may cancel your Card according to the terms of Section 8 – “Cancelling your Card”.
We will deduct these Fees directly from your Account or your Card
We reserve the right to change, modify, decrease, eliminate or increase the above Fees from time to time by providing you with two (2) months’ notice, by sending you an email to your external email address directing you to a message in your Account Message Centre detailing the changes. Any such changes, modifications or increases will be effective at the end of the two (2) month email notification to you, and the posting of such changes, modifications or increases in a revision to this Agreement on our website at www.banq24.com . If you do not agree to the posted changes, modifications or increases, you may cancel your Card as provided above in Section 8 – “Cancelling your Card”. In this case, no cancellation or redemption fees will be charged.
If there are insufficient funds on your Card to satisfy any Fees at the time any such Fee is assessed, we reserve the right to place a pending charge on your Account and/or your Card and deduct such Fee when sufficient funds have been loaded onto your Account or your Card. Unless otherwise expressly provided herein, no Fees hereunder are refundable at any time or for any reason
Each time that you use your Card the transaction will be electronically authorised to ensure that sufficient funds are available on your Card.
When you make a purchase at a merchant or make a cash withdrawal from an ATM, we receive an authorisation from the merchant or ATM provider which reduces the amount of funds on your Card that are available for you to spend by the amount of the authorised purchase or ATM withdrawal. This is a pending authorisation and it will remain on your Card, reducing your available funds, until one of the following events occurs:
(1) a settlement transaction is received from the merchant or ATM that matches the pending authorisation amount, which generally occurs within seven (7) days of the authorisation; or
(2) we are in receipt of an authorisation release from the merchant or ATM owner which states that the merchant or ATM owner will not be processing a settlement transaction for the authorised amount. At this time, the pending authorisation will be removed from your Card. When a settlement transaction has been received from the merchant or the ATM, the final amount of the purchase or ATM withdrawal will be debited from your Card at that time.
It is possible that an Authorisation may take place where the exact amount was not disclosed to you, or is significantly different from the amount disclosed to you. This Section 10.A and 10.B identify and describe two of those possible situations. If you identify a charge on your Card that is significantly different than that to which you agreed at the time of the transaction, please immediately contact Banq24’s Customer Service at the contact details provided on Banq24’s website. We will treat this situation as a dispute and perform our obligations according to the Terms described in Section XIV – “Disputes, Returns, Refunds and Chargebacks”.
A | Authorisations from an Automatic Fuel Dispenser in a petrol station
When you attempt a purchase at an unattended Automatic Fuel Dispenser ( “AFD”) in a petrol station, the transaction may automatically be denied even though you might have sufficient funds in your Card. It also may automatically be authorised against your Card for One Hundred Euros (EUR100), provided you have at least One Hundred Euros (EUR100) on your Card. If you do not have EUR100 of available funds on your Card, the transaction will be denied. If the transaction is authorised, the actual value of fuel that you purchase from the AFD will be debited from your Card and the One Hundred Euros (EUR100) authorisation will be removed. If your transaction is denied at the AFD, you may still be able to purchase an amount of fuel up to the amount you have remaining on your Card, by making your purchase through the attendant at the petrol station.
B | Authorisations from a Restaurant
When you make a purchase at a restaurant, your transaction may be authorised for the amount of the purchase and any applicable taxes, plus twenty percent (20%) of the purchase value (Excess), provided you have such amount on your Card. When you complete your purchase, the actual value of your purchase (i.e. meal and any applicabletaxes, plus tip) will be debited from your Card and the prior authorisation will be removed from your Card at that time. If you do not have sufficient funds on your Card to cover the purchase and the Excess, your transaction may be denied at the time of the attempted authorisation.
A statement of the balance and activity on and the status of your Card is available to you in electronic format for viewing online anytime on your Banq24 Account at www.banq24.com. You may review online at any time all transactions that have taken place for the time periods being offered by Banq24 on your Card on Banq24’s website.
You may also download your Card balance and transaction history through the download options that we offer at the time you desire to download your Card activity.
You may also call Banq24’s Account Holder Services Centre on the number shown on Banq24’s website to obtain information on your Card.
We accept no liability for failing to complete any transaction for which you have not loaded sufficient funds onto your Card. If a transaction is denied because of insufficient funds in your Card, you may access Banq24’s online services by visiting Banq24’s website at banq24.com and transfer to your Card.
Neither Banq24, Prime Pay Ltd nor Prime Pay UAB will have any liability whatsoever for the failure of any merchant or ATM owner to accept or honour your Card.
The exchange rate between the transaction currency and your billing currency that is used for processing international transactions is the Card Organisation rate applicable at the time the transaction is completed via the Card Organisation system plus Banq24’s mark-up of that rate as is disclosed in these Terms and Conditions, Section 9 – “Fees and Limits”.
If at any time you become aware of an unauthorised transaction made using your Card you must notify Banq24 by calling the Customer Service number on Banq24’s website immediately and without undue delay and, in any event, within thirteen (13) months of the date of the transaction. we reserve the right to refuse a refund under this Clause 15 where you fail to notify us within thirteen (13) months of the date of the transaction.
If you believe that any of your Card(s) information has been lost or stolen, or that someone has used any of your Card(s) without your permission, notify Banq24 immediately by using Banq24’s online services at banq24.com.
A copy of our Complaints Procedure is available upon request. Banq24 will try and resolve any complaint as soon as possible. Often however, the complaint will need to be investigated. If this is the case, Banq24 will respond to you within one (1) Business Day after receipt of your complaint/dispute to acknowledge receipt of your complaint/dispute and inform you how long it might be before your complaint is resolved. If your complaint cannot be resolved, you may refer it to the Financial Ombudsman Service (the “FOS”).
A. Information about your Account
When you contact Banq24 for more information about a particular transaction shown on your online Account statement, you must provide Banq24 the following information:
B. Use of the Banq24 Web Site
Due to the above, you, the account holder, cannot derive any rights from the translated version. In the event of a dispute about the contents or interpretation of these terms and conditions or inconsistency or discrepancy between the English version and any other language version of these terms and conditions, the English language version to the extent permitted by law shall apply, prevail and be conclusive
(1) when required by law;
(2) in compliance with any agreement between Banq24, Moorwand or PSI and a professional, regulatory or disciplinary body;
(3) to enforce our agreement(s) with you;
(4) in connection with potential sales of business; and
(5) to carefully selected service providers who help Banq24 meet your needs by providing or offering Banq24’s services.
The Banq24 Mastercard Cards starting with number xxxxxx is issued by Prime Pay UAB. The Banq24 Mastercard Cards starting with numbers xxxxxx & xxxxxx and any VISA or Union Pay International cards are issued by Prime Pay UAB.
The Personal Information which we hold about you may be shared with and cross-checked by other businesses, fraud prevention or credit reference agencies, our suppliers, agents or subcontractors to:
(1) verify your identity and/or address and/or other information provided to us by you;
(2) trace debtors, recover debt;
(3) to prevent fraud, money laundering and/or terrorist financing;
(4) manage and administer your Card; and
(5) perform our statistical analysis and market research.
This information will be used by Banq24 so that we may perform statistical research and analysis, compliance and regulatory reporting and administration in respect of the Card in accordance with the above.
You grant us a right to keep a record of the information referred to above for a period of five (5) years, unless such period is modified by the relevant authority.
If you want to receive details of those fraud prevention agencies from whom we obtain, and with whom we may record, information about you, please write to us at Legal Department, Banq24 C/O Prime Pay UAB, 86-90 Paul Street, London, EC2A 4NE, United Kingdom.
You have a legal right to these details. We will only provide your Personal Information to such persons or companies who agree to give your information the same level of protection as we are required to give it in England and Wales, and act solely on our instructions. Such transfers abroad will only be for the purpose of preventing any fraudulent activity on your Card
From time to time we may be required by law enforcement and/or governmental regulatory agencies and/or a court of competent jurisdiction to provide them with information about you. We will only do so provided we are legally required to so and are assured that these organisations will give your information the same level of protection as we are required to give it in England and Wales.
You have a legal right to receive a copy of the information we hold about you by applying in writing to us at Banq24 C/O Prime Pay UAB, 86-90 Paul Street, London, EC2A 4NE, United Kingdom.
A Fee will be payable by you and will be disclosed to you prior to delivery of this information. The Fee will not exceed EUR Ten (€10.00) per request.
Except as specifically provided in this Agreement, neither Banq24, Prime Pay Ltd nor Prime Pay UAB will be liable for any loss or liability resulting in whole or in part from any act or failure to act of your computer equipment or software, or that of an Internet service provider, an online service provider or an agent or subcontractor of any of them.
Except as otherwise provided by law, and with at minimum, two (2) month’s prior notice to you, we may change the Terms of this Agreement or any policies or terms of service governing use of your Card, including without limitation, changing or increasing Fees.
Any changes will be effective two (2) months after posting the changes or revisions on Banq24’s web site at www.banq24.com and providing you an email notification that the details of the change are posted in your Message Centre. If you do not agree to the posted changes or revisions, you may cancel your Card as provided above in Section 8 – “Cancelling your Card”.
By entering into this Agreement and using your Card, you agree to receive notice of changes or revisions to this Agreement electronically rather than on paper.
This Agreement is entered into in the country of England and Wales. This Agreement and any dispute between you and us arising out of or related hereto, except for allegations that you have infringed or have threatened to infringe our intellectual property rights, shall be exclusively governed by and subject to the laws England and Wales without regard to any principles of conflicts of laws thereof, whether or not your Account or any Cards associated therewith are used outside of England. Venue for any suit or claim arising out of or related hereto, except for allegations that you have infringed or have threatened to infringe our intellectual property rights, shall exclusively be in the courts of England and Wales, and by entering into this Agreement you irrevocably consent to the personal jurisdiction of the courts of England and Wales. If we allege that you have infringed or have threatened to infringe our intellectual property rights, then in addition to any other rights and remedies we may have, we may seek preliminary or permanent injunctive relief from any court of competent jurisdiction, and any such claims shall be governed by the laws of England and Wales, without regard for any principles of conflicts of laws thereof. Any claim that you seek to initiate arising out of or related to this Agreement must be brought within one year of the event giving rise to the claim.