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For signing of the Agreement for E-vouchers payment service usage

Definition of terms
1. E-vouchers - PAYINTER LTD financial payment company.
2. Account - a Client's account in the Company's system at https://e-vouchers.org.
3. Agreement – the Agreement on the conditions and procedure for providing payment instruments issued by third-party banks for individuals and other payment methods services, using the Internet resource https://e-vouchers.org, signed between PAYINTER LTD and the Client.
4. Authentication data - data allowing to identify the Client. By default, the Client's login and password are the Authentication data.
5. Authorization - requesting and receiving response procedure in the form of permission or prohibition for Card processing from Bank-issuer or from the International payment system Visa International / MasterCard Worldwide, MIR, as well as cards of other payment systems processed by the PAYINTER LTD system.
6. Card - debit or credit card of an international payment system.
7. Card Account - a bank account opened in Bank-issuer to execute transactions using the Card and / or its details.
8. Cardholder - an individual in whose name the Card was issued.
9. Client - an individual who is a legal holder of a payment instrument and uses other payment services, who signed the Agreement with PAYINTER LTD on the basis of this Offer.
10. Company - PAYINTER LTD - legal entity registered in the United Kingdom (registration number 13498500) operating under EMD Agent license number FCA903033, issued by the Financial Conduct Authority.
11. Dashboard - interface for managing a payment instrument. It is a computer program, whose interface is located and / or available on the Internet on the Website https://e-vouchers.org and is displayed via Internet browser, or a special application.
12. Dispute - any claim made by the Client in relation to the Company.
13. IPS - international payment system Visa International and / or MasterCard Worldwide, MIR, as well as other payment systems, whose cards are processed by the system of the company PAYINTER LTD.
14. E-vouchers Internet resource - is a universal payment Internet resource owned by PAYINTER LTD, which is a collection of integrated software, hardware and technical means used to provide the Service.
15. Transaction - performed by the Client using the Card and / or its details, or other payment methods, a transaction to purchase electronic vouchers, in accordance with this Offer.
16. Operator - operator for the transfer of funds and the issue of payment instruments - PAYINTER LTD.
17. Parties - PAYINTER LTD and the Client mentioned together.
18. Payment instrument / electronic voucher - a payment card or voucher for payment, replenished by a certain amount, which the Client can use to pay for goods or services in the Company's partner trading network.
19. Payment method - a means and (or) a method that allows Users to draw up, certify and transmit instructions to Issuers in order to transfer funds within the framework of the applicable forms of non-cash payments using information and communication technologies, electronic media, including payment cards, and other technical devices.
20. Personal data - any information personal information relating to a person who can be directly or indirectly identified in the framework of the provision of payment services and in accordance with the General Data Protection Regulation (EU) 2016/679, which stipulates issues of protection personal data.
21. Service – card service charge or service of usage of other payment methods by Clients using E-vouchers Internet resource, which provides the ability to purchase an electronic voucher.
22. Third-party bank - any credit comanization that is the issuer of Visa and / or MasterCard, MIR bank cards, as well as cards of other payment systems that are processed by PAYINTER LTD.
23. Verified - a Client who has passed the Company's verification process, as a result of which the Client's identity is established.
24. Website - https://e-vouchers.org or other payment service websites operated by PAYINTER LTD.
General provisions
1. This offer is an integral part of the Agreement on the provision of payment services. By accepting the terms of the offer and accepting the terms of processing personal data, the client expresses his intention to use the payment services of PAYINTER LTD.
2. The unconditional acceptance of the terms of this public offer is considered to be the registration by the Client in the E-vouchers Settlement System, consent to the processing of personal data on the website https://e-vouchers.org and gaining access to managing the Account in this system.
3. By accessing or using the website, the Client agrees to comply with the terms of use of the payment service described in this public offer. Registering on the website, the Client assumes responsibility that he has read, agreed and accepted all the terms of the offer, and also expressed his consent to the rules for using the Company's payment services. If the Client does not agree with any part of the terms or conditions, he should not use the website.
Subject of the agreement
1. The subject of this Agreement is the sale of payment instrument - vouchers by accepting and processing Client's orders to purchase vouchers through funds transfers to the Company.
2. Within the framework of this Agreement, the Service is provided exclusively to the Clients, subject to the simultaneous compliance with the following requirements: The Payer and the Recipient have at their disposal a personalized Payment Instrument, using which they have the right to draw up, certify and transmit orders to the Issuer with which the Payer or the Recipient has concluded the corresponding payment service.
3. For the Service provided, the Client pays the Company a commission in the amount established by the Company's Tariffs and indicated in the Client's Personal Account (in case of compensation of the commission by the recipient, the commission is not charged from the payer). The commission set by the Tariffs is calculated from the amount of funds sent by the Client for transfer (hereinafter referred to as the Payment Amount) in payment for goods (works, services), is included in the total amount of the authorization request carried out using the Client's Card, or carried out using another Payment instrument and is subject to withholding without additional orders (acceptance) of the Customer from the Customer's Card Account or other payment instrument in excess of the Payment Amount on the date of the transaction. Not subject to VAT.
4. The Transactions stipulated by this Agreement are carried out in Euros, US dollars and other currencies available for vouchers, regardless of the currency in which the Client's Card Account or other Payment instrument is opened. The client independently chooses the currency and the denomination of the means of payment - the voucher. The E-vouchers system, based on the belonging of the means of payment to a particular country, can automatically help the Client by substituting the recommended payment currency. However, control of the payment currency at the time of payment remains with the Client. Conversion of funds using a Third-Party Bank Card is carried out into the payment currency by IPS.
5. The Client hereby authorizes the Company to process any information relating to him. The terms of protection and use of personal data are described in our Privacy Policy (published on our website https://e-vouchers.org). Any personal data that we may use will be collected, processed and stored in accordance with the requirements of applicable law.
6. The Client, accepting the terms of this Agreement, consents to the distribution (transfer and cross-border transfer) of his personal data to third parties, including for the purposes of:
  - Communication, including telephone, with the Client to provide information on the execution of the Agreement, sending SMS messages and mailings by e-mail to the Client about the payment made for payment means - vouchers, as well as for transmitting information and advertising messages about the Company's services.
  - Investigation of controversial transactions and situations under the Agreement.
  - Identification of the Client in accordance with international requirements for the prevention of money laundering, obtained by illegal means and prevention of terrorism financing (international policy on AML).
  - Carrying out the regular monitoring of payment transactions performed using a payment instrument - a voucher, including tracking suspicious activity and illegal actions on the part of the Client.
7. The Client instructs the Company to transfer information about the details of transfers to third parties that provide information technology services for the process of making transfers made by the Operator to the recipients of funds, the relationship with which is regulated by the relevant agreement.
8. The Parties have agreed that the Company has the right to amend the terms of the Public Offer and the Tariffs. At the same time, the changes made by the Company to the Public Offer become binding on the Parties from the date the Company publishes the new version of the Agreement on the Website, on the payment page and / or on the Internet resource https://e-vouchers.org. Changes made to the Tariffs become binding on the Parties from the day the new version of the Tariffs becomes effective and the Company posts the new version of the Tariffs on the Website, on the payment page and / or on the Internet resource https://e-vouchers.org.
Clients and accounts
1. Persons entitled to use the payment services of the Company are:
  - Residents of any of the countries, except: Afghanistan, Albania, American Samoa, Bahamas, Barbados, Burkina Faso, Burundi, Cambodia, Cayman Islands, Central African Republic, Cuba, Congo, Democratic Republic of the, Eritrea, Ethiopia, Guam, Haiti, Iran (Islamic Republic of), Iraq, Jamaica, Lebanon, Libya, Morocco, Mongolia, Myanmar, Nicaragua, Korea (Democratic People's Republic of), Pakistan, Palestine, State of, Panama, Philippines, Samoa, Senegal, Somalia, South Sudan, Sudan, Syrian Arab Republic, Uganda, Venezuela (Bolivarian Republic of), Yemen, Zimbabwe, Belarus, Botswana, Region of Crimea, Donetsk Republic, Luhansk Republic, Mauritius, Russian Federation, Sri Lanka, Virgin Islands (U.S.). This list is not exhaustive and the Company may, in its sole discretion, decide to terminate or limit our services in other countries at any time and without prior notice.
  - Individuals who have reached the age of majority and are legally capable.
2. To open an account in the E-vouchers system, the Client needs to go through the registration process, indicating his personal data. The client is responsible for the accuracy and correctness of the data filled in the registration form.
3. Shared accounts and nominee accounts are prohibited, and upon opening an account, the Client represents and warrants that he / she is the sole beneficiary of the account, and that all actions taken in relation to the account are taken personally by the Client.
4. Opening an account with an unverified status allows the Client to purchase vouchers in a limited amount. After completing the registration procedure on the Company's website, the Client receives an unverified status. To upgrade the status to verified and increase the limit, the Client must submit a scanned copy of an official identity document with a photo, as well as a document confirming permanent residence (which can be a scanned utility bill, bank confirmation, internal passport or other official document, which will be considered by the Company as acceptable for customer identification purposes (“know your customer”) KYC). In addition to this standard verification procedure, the Company or an authorized third party may request additional information, documents or information from the Client to verify the account.
5. The company has the right to change or amend the verification process and offer other ways to obtain the status of a verified user. Such methods will be published on the Company's website. By indicating the status as verified, the Company only confirms the new status of the Client, which does not in itself guarantee the approval of the transaction.
Procedure for providing the service and validity of the voucher
1. Drawing up an order to transfer funds from the Payment Instrument for voucher purchase is carried out by the Client through the Internet resource https://e-vouchers.org, including through the websites of the Company's partner comanizations.
2. The Client selects the denomination and currency of the voucher in his Personal Account and is then redirected to a special payment page for entering the details of the Payment Method, where he enters the following data:
  - For Cards:
    - Card number;
    - Name and Surname of the Cardholder (cardholder name);
    - Expiry date of the card;
    - CVC2 / CVV2 card code.
  - For other payment instruments:
    - Wallet number.
3. If the Client does not specify one of the above parameters, the Service is not provided.
4. Next, the Client checks all the entered parameters and, if they are correct, clicks the "Continue" button on the Company's payment page or on the website of the Company's partner comanization, thereby expressing his desire to use the Voucher Purchase Service.
5. After confirming the correctness of the entered details of the Company in accordance with the terms of the Public Offer, it accepts and processes the Client's orders to transfer funds from the Payment instrument in payment of the voucher.
6. After receiving the Client's order in accordance with clause 5.1. of this Public Offer, the Company carries out the Authorization procedure. In case of successful Authorization, the Transaction amount is “held” (reserved) by the Issuing Bank on the Card Account and reduces the available Card balance (limit) by the specified amount.
7. After the Bank- Issuer receives a confirmation from the IPS about the Transaction using the Card, the Card-Issuing Bank, without additional instructions from the Client, carries out the corresponding Transactions to write off funds from the Card Account, in accordance with the terms of the agreement between the Client and the Card issuer Bank, the rules of the IPS.
8. Refunds are made in accordance with the procedure provided for by the agreement between the Client and the Bank-issuer, in accordance with applicable law. In this case, the Company's commission for the provision of the Service is not refundable.
9. In order to ensure the security of transactions performed by the Client, the E-vouchers system complies with the PCI DSS Level 1 standard, conducts a quarterly audit of the system for vulnerabilities, and also uses 3DS technology (Additional verification procedure carried out by the Issuer automatically using 3DSecure Technology in order to verify the Payer's authority for making Transactions with the Sender's Card).
Rights and obligations of the parties
1. The company has the right:
  - Refuse to provide the Service in accordance with the Public Offer, to execute the Client's order unilaterally and without giving reasons, including on the grounds provided for by international rules and AML policies, in particular, the United Kingdom Money Laundering Regulations MLR07 of 2007 year and updated MLR17 2017 year and MLR19 2019 year.
  - Require the Client to strictly comply with the terms of the Public Offer and payment for the Company's services.
  - Establish and change (increase, decrease) unilaterally restrictions on Transactions using the E-vouchers website.
  - Determine the functionality available at https://e-vouchers.org.
  - Block access to the Internet resource https://e-vouchers.org, as well as not execute the Client's orders received by the Company through the site https://e-vouchers.org, until the circumstances are clarified, in the event of:
    - improper performance by the Client of obligations under the public Offer;
    - detection or emergence of suspicions of the Company about the illegality of Transactions performed using the Card;
    - identification by the Company of the Client's transactions containing signs of doubtful transactions related to the legalization of proceeds from crime, or transactions that carry reputational risks for the Company.
  - Not to execute the Client's order received by the Company via the website https://e-vouchers.org if errors are detected at the stage of execution of the Client's order, the necessary details (documents) are missing or incomplete, the Transaction is inconsistent / contradictory to the legislation, internal documents of the Company, or the terms of the Public Offer.
  - Require the Client to update the information if he considers it outdated or insufficient. In addition, the Company has the right to require the Client to provide the information necessary to confirm his identity.
2. The company is obliged:
  - Provide payment services in the amount and within the terms established by the Public Offer, perform AML control and monitoring in accordance with international legislation and the UK Money Laundering Regulations MLR07 of 2007 year and updated MLR17 2017 year and MLR19 2019 year.
  - To keep banking secrecy on transactions using the Card and other Payment instruments and information about the Client. Inquiries on transactions using the Card and other Payment instruments and information about the Client can be provided in cases stipulated by legislation or at the request of the regulator.
  - To inform the holder about the amount of the Company's commission charged for making the payment.
3. The client has the right:
  - Transmit, using the Company's website, instructions to the Issuing Bank to write off funds from the Card Account as payment for the services provided for by the Public Offer.
  - Make claims on Transactions performed using the Card and other Payment Instruments, no later than 30 (thirty) calendar days from the date of these Transactions and send these claims to the Issuing Bank or the Company.
  - Refuse to carry out any Transactions on the website https://e-vouchers.org before confirming the correctness of the entered details.
  - Obtain consent to the processing of personal data or withdraw consent to the processing of any information provided by the Client to the Company on the website https://e-vouchers.org.
4. The client undertakes:
  - Read the text of the Public Offer and all additional documents and information before registering on the website https://e-vouchers.org and buying a voucher.
  - Keep his authentication data out of the reach of third parties. In the event of a loss of authentication data, the Client is obliged to immediately notify the Company by sending an appropriate notification through a special Service (available on the Site).
  - Do not transfer his account data to third parties.
  - Within 45 (forty five) days from the date of the Transaction, keep all documents related to transactions using the Card, and present them to the Company at its request.
  - Check and study information about changes in payment services and the Public Offer, as well as Tariffs that may affect the payment services used by the Client.
  - Pay for the Company's Services in accordance with the Company's tariffs and this Public Offer.
Liability of the parties
1. The Parties are responsible for non-fulfillment and / or improper fulfillment of obligations in accordance with the Public Offer in accordance with the legislation and the terms of the Public Offer.
2. The Company is not responsible for any Transactions using the Card (or several Cards) using the Internet resource https://e-vouchers.org, performed by other (third) parties with or without the knowledge of the Client.
3. The Company is not responsible if the information transmitted when using the site https://e-vouchers.org, including the Card details, becomes known to other persons as a result of wiretapping or interception of the cellular or telephone channel during their use , or intercepted by malicious computer programs (trojan, phishing, etc.) when the client enters data, as well as in the event of the Client\'s unfair fulfillment of the conditions for storing and using the Card, Card details.
4. The Company is not responsible for failures in the Internet, communication networks, other technical failures (disconnection / damage to power supply and communication networks, software failures and routine (technical) work of the processing center and the Company's database, technical failures in the IPS), arising for reasons beyond the control of the Company and entailing the untimely receipt or non-receipt by the Client of notices of the Company and statements on transactions made using the Card (or several Cards) using the site https://e-vouchers.org, as well as failure to fulfill or untimely fulfillment by the Company of other conditions of the Agreement.
Term and procedure for termination of the agreement
1. An agreement for the provision of payment services, concluded on the basis of the Client's consent to the Public Offer and consent to the processing of Personal Data, is considered valid from the date of registration of the Client in the system and is valid indefinitely until it is terminated or suspended due to the impossibility of execution.
2. The Client has the right to terminate the agreement unilaterally without giving reasons. The term for termination of the agreement is 30 calendar days. The course of the term begins the day after the day on which the Client declared his desire to stop using the payment services of the Company.
3. The Company has the right to terminate the agreement unilaterally without explaining the reasons for termination. The agreement can be terminated with immediate effect of termination.
Disputes and dispute resolution
1. Disputes may arise between the Company and the Client in connection with the services provided. The goal of the Company is to resolve disputes in an efficient manner, as a result of which the Clients will be satisfied with their coTransaction with the Company.
2. If the Client has claims related to his account or payment services, the client can apply in writing to the support service (the email address is indicated on the website) and indicate the reason for the complaint or claim by providing relevant documents or additional information.
3. The Client is responsible for compliance with any laws, rules and regulations of his / her particular jurisdiction that may apply to him / her in connection with the use of the Service.
4. In the absence of consent, the dispute between the Parties is subject to consideration in the manner prescribed by the legislation of the United Kingdom.
Applicable law
1. The agreement, contract and any relationship between the Company and the Client shall be governed by and interpreted in accordance with law of the United Kingdom. Any dispute under this agreement will be considered in the court of the United Kingdom. All questions, disagreements or claims arising from the Agreement or in connection with it are subject to primary settlement by the Parties through negotiations.
2. Language. When we present you with a translation of the English language version of the agreement, privacy policy or any other document, you agree that the translation is provided for your convenience only and does not change the English language version, and you agree that the English language version governs our relationship. Both parties agree to conduct all correspondence related to the contractual relationship between the Company and the Client in English. If we send or accept correspondence in another language, this is done only for your convenience and does not constitute a departure from the foregoing or a precedent for further forwarding correspondence.
Final provisions
1. The Parties acknowledge the methods of information protection used by the Company, sufficient to protect against unauthorized access to systems, to confirm authorship and authenticity of electronic documents.
2. The Company communicates with the Client by e-mail. In this case, the date of sending the corresponding message specified in the electronic message transfer protocol is considered the date of receipt by the Client of the e-mail from the Company.
Company details
- Legal address: 9 Agnes Road, Northampton, UNITED KINGDOM, NN2 6EU
- Physical / postal address: 6 Burrows Court, Liverpool, United Kingdom, L3 6JZ, Korean branch: Optatumplatform Co., Ltd. 61 Geumjeong-ro, Geumjeong-gu, Busan, Company number: 582-81-01285
- Phone number: +44 07760703483
- E-mail: support@e-vouchers.org