iCard Wallet Agreement

Last update: 03.12.2019

  1. 1. Legal relationship and Service
  • 1.1. This Agreement is concluded between the Client (referred to as “You”) on one side and iCard Services AD, UIN 175415100 , with seat and registered address in Varna, Business Park Varna, B1, Bulgaria, on the other side referred to jointly as “we”, or “us”.

The iCard Wallet Agreement regulates your use of theDigital Wallet. All payment and other financial services are regulated by a separate agreementthe iCard E-money account agreement.

Not a Framework Contract for payment or financial services: For the avoidance of doubt, the present iCard Wallet Agreement does not constitute a "framework contract" for the purpose of the EU Payment Services Directive 2 (EU) 2015/2366 or any implementation of that directive in the European Union or EEA (including, without limitation any national laws implementing the EU PSD), related to payment or financial services.

  • 1.2. Brief description of some of the most important definitions:

“iCard mobile app” or “iCard App” or “Mobile App” represents a fintech mobile app for Android or iOS, which consist of two main groups of services:

  • Digital Wallet functionalities, which are regulated by the present Agreement; and
  • Payment and other financial services, which are regulated by the iCard E-money account agreement.

“Wallet” or “iCard Wallet” means the Digital Wallet functionalities, which consists of the possibility to create and maintain a client profile in the iCard mobile app and website. The client profile provides the user the possibility to:

  • Enter and save loyalty cards and any other acceptable barcode or QR-code;
  • To receive, manage and spend GiftCards from users of the iCard payment and other financial services;
  • To use the end-to-end encrypted chat service; and
  • In case you have a valid Legal agreement for iCard e-money account – the possibility to access the functionalities, which are available to you under the terms of the agreement.
  • In case you have any cards issued by iCard in relation to another product – to link and manage these cards this functionality will be available soon.

“GiftCard” means prepaid card for gifts with the logo of iCard and the Card Schemes, the terms and conditions for which are at this link https://www.giftcards.eu/

“Virtual GiftCard” or “GiftCard” is a Virtual card with the logo of iCard and the Card Schemes and may be used for payments in Internet by the Client or a Recipient to whom the Client has sent the Virtual GiftCard.

“iCard Chat” is part of the iCard Mobile App that allows you to send encrypted instant messages, such as text, images, stickers, document, pictures, video and other supported files by iCard, to other users registered for the Digital Wallet. iCard Chat can also be used for sending payment requests and Gift Cards, in case you have a valid legal relationship with iCard AD in relation to the Legal agreement for iCard E-money account

  • 1.3. You acknowledge and agree that a condition for becoming an iCard Wallet User is to fulfil the following steps:
  • Downloading the Mobile App, officially published by us
  • Аgreeing with the Mobile App License Agreement and this iCard Wallet Agreement, as well other legal documents if applicable.
  • Protecting your privacy is very important to us. You must read and confirm your receipt of the iCard Privacy Policy, to better understand our commitment to maintain your privacy, as well as our use and disclosure of your information;
  • You are required to enter valid and true data, such as your name of, Country of residence, mobile phone number and other, as required by us
  • Verifying your mobile phone number as indicated by us;
  • In relation to the Mobile app - choosing and entering secret code (PIN) for the mobile app, which will be required for login to your profile;
  • 1.4. The Agreement will be effective after the date of its acceptance by you but not before we have deemed you acceptable for the service ("Effective Date"). By clicking Accept or Agree where this option is made available to you by us via the Website for the service or Mobile Application for the service and which you hereby adopt as your electronic signature you consent and agree to the terms and conditions of the present Legal Agreement and therefore the electronic document of the Agreement is deemed as duly signed by you.
  • 1.5. A link of the Agreement will be provided to you and you may download the Agreement in printable form during or immediately after the sign-up process. A copy of the Agreement, as amended from time to time, is available to you in the Mobile App and also on Website for the the service www.iCard.com (“Website”). You may request to be provided with a copy of the Agreement, and a link to the Agreement will be sent to your registered mobile number for the service.
  • 1.6. The Agreement and all communication between you and us will be in English language. Where we have provided you with a translation of the English-language version of the Agreement or communication in other languages, this translation is only for your convenience and you explicitly agree that the English-language version of the Agreement and communication will govern the relationship with us. If there is any contradiction between the English-language version and a translation, the English-language version takes precedence.
  • 1.7. You declare that you are registering for iCard Digital Wallet on you own behalf only and that you are not acting on behalf or on account of third party.
  1. 2. Eligibility for theDigital Wallet
  • 2.1. To be eligible to use any functionalities of the Digital Wallet, you must (i) be at least 18 years; and (ii) be resident of the countries, listed in the Website or Mobile app.
  • 2.2. Upon registration for the Digital Wallet and during this Agreement, you must provide current, complete and accurate information by personalizing your Online account, as requested by us and maintain that information as current and accurate during your use of the Digital Wallet.
  1. 3. Digital Wallet Functionalities service
  • 3.1. You are able to add and save your loyalty cards, as well as any other accepted barcodes and QR-codes, via your profile. We are not enganged in the management of any kind of services, linked to the loyalty cards, barcodes or QR-codes – in case of any concerns or problems related to the loyalty cards you should contact the respective issuer of the loyalty card, barcode or QR-code. We do not bear any liability for any claim which you might have for the use of the loyalty cards, barcodes and QR-codes and you should address any such claim to the respective issuer of the loyalty card, barcode or QR-code.
  • 3.2. The iCard Digital Wallet allows you to submit content in various formats, such as text messages, voice messages, photos, documents, PDF, location data and other files (collectively referred to as “Submissions”). You agree that the “last seen” status and your Profile photo (collectively referred to as Public Submissions) will be visible to other users of the service who have your mobile phone number in their mobile phone and which you have not expressly blocked. For clarity, Submissions will only be viewable by those users to whom you have directly addressed these Chat Submissions whereas Public Status may be globally viewed by all users that have your mobile phone number on their smartphones and are registered for the iCard service, unless these users are blocked by you. We do not guarantee any confidentiality with respect to Public Submissions.
  • You acknowledge and accept that any Submissions are only available from your smart phone from which they are sent and are not available in a cloud, virtual storage or similar type of service. You shall be solely and fully responsible for any type of Submissions generated via iCard Chat and the consequences of posting or publishing them. However, by submitting the Submissions to iCard Mobile App, you hereby grant us a worldwide, non-exclusive, royalty-free, sub-licensable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the Submissions in connection with the Digital Wallet.
  • We also reserve the right to decide any of the content communicated via iCard Chat is compliant with the terms stipulated in the Agreement and especially with your permissible actions or is in violation with any copyrights or any kind of intellectual property rights. We may remove such content and/or terminate your access for uploading such material in violation of the Agreement at any time, without prior notice and at its sole discretion.
  • The iCard Chat allows you to encrypt the content of the submissions sent to other users, registered for the Service. We shall not be able to learn the submitted content nor shall be anyone else without direct access to your mobile smart phone. We do not store your secret chats on its servers. We also do not keep any logs for messages in secret chats, so after a short period of time we no longer know who or when you have messaged via secret chats. You agree that encrypted messages may be accessed only from the device they were sent to or from.
  • Regarding the content of the Submissions, you further agree that you will not:
  • submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or has permission from their rightful owner to post the material and to grant us all of the license rights granted herein;
  • publish falsehoods or misrepresentations that could damage us or any third party;
  • submit material that is unlawful, obscene, defamatory, libelous, threatening, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate;
  • post advertisements or solicitations of business;
  • impersonate another person;
  • send or store material containing software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents or programs;
  • interfere with or disrupt the integrity or performance of the service or the data contained therein; or
  • attempt to gain unauthorized access to the service or its related systems or networks. You understand and agree that Adult content must be identified as such.
  • You understand that when using the iCard Chat you will be exposed to Submissions from a variety of sources, and that we are not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such Submissions. You further agree and acknowledge that you may be exposed to Submissions that are inaccurate, offensive, indecent, or objectionable, and you agrees to waive, and hereby does waive, any legal or equitable rights or remedies you have or may have against us with respect thereto, and agree to indemnify and hold us harmless to the fullest extent allowed by law regarding all matters related to your use of the iCard Chat.
  • 3.3. The Digital Wallet allows you to receive GiftCards from other users of the service. These cards will not be deemed to be issued by you, but merely provided by the original cardholder for you to use. The use of GiftCard and any terms and conditions regarding the latter are regulated by the GiftCard – General Terms and Conditions
  • The Digital Wallet allows you to link other cards, issued by iCard, i.e. iCard Credit, myPOS and other which may exist from time to time. The terms of use applicable to these cards are stipulated in the respective legal agreements, which you have concluded with iCard or any of its agents/representatives prior to the issuing of such card, as well as any amendment thereof - this functionality will be available soon.
  1. 4. Personal Data Protection. Financial Secrecy
  • 4.1. For information about our data protection practices, you are obliged to read the Privacy Policy, which forms an inseparable part of this Agreement, available on the mobile app or our webpage https://icard.com. You may request that an electronic copy of Privacy Policy is sent to you in PDF form by contacting us via е-mail.
  1. 5. Use of the iCard e-money and payment or card services, related to it.
  • 5.1. The use of the e-money and payment services, such as funding of account receipt of money, payments with cards, credit transfer, direct debit, currency exchange, plastic or virtual cards or others, are regulated in different legal documents (if applicable), which are concluded with iCard AD, a separate entity – licensed E-money institution under the laws of the Republic of Bulgaria.
  1. 6. Acceptance Policy and permissible actions
  • 6.1. You may only use the Digital Wallet in bona fide and in accordance with the functionalities of the Digital Wallet. You agree to use the Digital Wallet only as permitted by:
  • The Agreement;
  • Characteristics, settings and limits of the Digital Wallet, including setting of limits and options by you as allowed by the Digital Wallet, as published and updated by us from time to time on our website for the Digital Wallet or in User Interface for the Digital Wallet; and
  • Any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions.
  • 6.2. It is strictly forbidden to use the Digital Wallet in violation of the Agreement, or for any illegal purposes. In particular, you shall under no circumstances use the Digital Wallet for activities which without limitation involve or may involve any of the following:
  • Breach of this Agreement (including, without limitation, providing false identifying data, such as false names, e-mail address, multiple mobile numbers or other data, with the aim or resulting in opening of multiple Accounts for a single user or avoiding any restrictions imposed by us in another way); or
  • Breach or risk of breach by you of any law, statute, contract, or regulation applicable (for example IP laws, or those governing payment services including anti-money laundering or terrorist financing, or similar regulatory requirements, including where we cannot verify the identity or other data about you according to our Internal regulatory requirements of, consumer protections, unfair competition, anti-discrimination, gambling, false advertising, illegal sale or purchase or exchange of any Goods or Services according to all applicable laws); or
  • Abuse on your side; or
  • Use of the Digital Wallet in a manner that results in or may result in complaints, disputes, claims, fees, fines, penalties and other liability to us or any of our Branches or Agents, affiliates and other similar; or
  • intercept or monitor, damage or modify any communication that is not intended for you or use any type of spider, virus, worm, trojan-horse or any other codes or instructions that are designed to distort, delete, damage, emulate or disassemble the Digital Wallet;
  • send unsolicited communications (also referred to as "SPAM", "SPIM" or "SPIT") or any communication not permitted by applicable law or use the service Digital Wallet for the purposes of phishing or pharming or impersonating or misrepresenting affiliation with another person or entity;
  • use of any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy for which you do not have license or permission from the owner of such rights; or
  • expose any third party to material which is offensive, harmful to minors, indecent or otherwise objectionable in any way or use the Digital Wallet to cause or intend to cause embarrassment or distress to, or to threaten, harass or invade the privacy of, any third party;
  • Use the Digital Wallet in connection with any other underlying illegal operation such as but not limited to collection or harvesting any personally identifiable information; or;
  • Use of the Digital Wallet for any sale of purchase of goods and/or services, which are not acceptable to us as determined our website or as instructed in writing by us.
  • 6.3. You may not use the Digital Wallet and/or may not accept the Agreement and we may temporarily stop or terminate the Digital Wallet and/or Agreement immediately and without prior notice to you, if:
  • You are not of legal age to form a binding contract with us and operate the payment instrument or funding instrument for use with the Digital Wallet; or
  • You are a person barred from receiving the Digital Wallet under the applicable laws or Regulations, with the requirements of the entity which provides the e-money and payment services, or our rules or policies;
  • You have not been dully identified or verified by us, upon our single discretion; or
  • Other important reasons, upon our discretion, such as risk and compliance;
  • 6.4. We shall be entitled to notify you at any time for the termination of your use of the Digital Wallet via the Online account or through the Mobile App, in case you have become a non-acceptable client for us. The decision for the refusal is strictly in our discretion and we shall not be liable for whatsoever compensations.
  • 6.5. You agree that you will not engage in any activity that interferes with or disrupts the Digital Wallet (or the servers and networks which are connected to the Digital Wallet, or impact or attempt to impact the availability of the Digital Wallet, with a denial of service (DOS) or distributed denial of service (DDoS) attack.
  • 6.6. You agree that you will not reproduce, duplicate, copy, sell, trade or resell the Digital Wallet for any purpose.
  • 6.7. You agree that you re fully responsible for (and that we have no responsibility to you or to any third party for) any breach of your obligations under the Agreement and for the consequences (including any loss or damage which we may suffer) of any such breach.
  • 6.8. The iCard Mobile Application for smart devices is available for downloading only for certain Smart devices as described in the Agreement and we are not liable for lack of availability of the service on mobile or smart devices, or inability to download or use the the services via particular smart device, or lack of the service or part of the service, because of lack of Internet or because of mobile operator services (such as SMS or other) or hardware specifics or problems.
  • 6.9. Non-satisfaction of the conditions in this Agreement may result in immediate suspension of the iCard service, blocking of the funds in your Account, if applicable, our right to withhold funds in your Account for satisfaction of damages incurred by us, because of your breach, claim by us against you, initiation of procedures before competent regulatory bodies or Card Organizations, and also termination of this Agreement without prior notice to Client.
  1. 7. Termination of Agreement
  • 7.1. You acknowledge and agree that we may stop providing the service to you, as provided in the Agreement. You may stop using the service at any time, without need to inform us. The Agreement will continue to apply until terminated either by you or by us, as set out below.
  • 7.2. If you want to terminate Legal Agreement with us, you may do so immediately and without charge for termination at any time by notifying us, in accordance with clauses for communication by you and us below. We will deem this agreement to be terminated for reasons of inactivity in case there have been more than six months as of your last login, unless you are a client of the iCard e-money account as well.
  • 7.3. In case you wish to terminate the present Agreement and you have a valid iCard E-money account agreement, you must in first place start a termination procedure for your Legal Agreement for iCard e-money account and to comply with all requirements of the Financial Institution, before terminating the present Agreement.
  • 7.4. In case of any risk of Damages for us, resulting from claims, fees, fines, penalties, your non-compliance with regulations and other similar liabilities arising from your use of the Digital Wallet, you hereby agree that we may instruct the entity, which services your e-money account to hold your funds for up to 180 Days even after Termination of Agreement or shorter or longer period, as required by the law, including laws in favor of the consumer. You will remain liable for all obligations arising under this Agreement even after Termination of Agreement and/or closing of Account.
  • 7.5. We may, at any time, terminate the Agreement with you without notice if:
  • You have breached any material provision of the Agreement or law (or have acted in a manner which clearly shows that you do not intend to or you are unable to comply with the material provisions of the Agreement); or
  • We are required to do so by law or Regulations (for example, where the provision of the Digital Wallet to you becomes non-compliant with the Regulations).
  • 7.6. Unless a shorter period is provided in this Agreement, as permitted by law, we may, at any time, terminate the Agreement by giving you 5-days' notice.
  • 7.7. When this Agreement comes to an end, all of the legal rights, obligations and liabilities that you and we have benefited from, or which have accrued over time whilst the Agreement has been in force, or which are expressed to continue indefinitely, will be unaffected by this cessation, and the provisions of clause 19.5 will continue to apply to such rights, obligations and liabilities indefinitely.
  • 7.8. Death of a natural person and change in legal status
  • Death of a natural person. We will assume that the relationship between us persists until we are notified in writing about your death. We must be notified by who is legally vested with the rights and obligations to act on behalf of your affairs and will take instructions from him/her/them. Such person may be the heir, legatee, administrator, executor or otherwise. We shall be entitled to receive to its satisfaction such evidence, at your cost, as may be required by us to establish the proper entitlement and authority of the person claiming to be in charge of acting on behalf of your affairs and we shall not be bound to act upon such instructions until such time as we are satisfied of such authority.
  • Legal Entities: In the event that you are placed into liquidation, bankruptcy or administration or any other analogous process wherein a liquidator, curator or trustee or similar officer is appointed and in whom legal authority and representation is vested, to the exclusion of the persons you may have nominated, we shall be entitled to receive to our satisfaction such evidence, at your cost, as we may require to establish the proper entitlement and authority of the person claiming power to give us instructions and we shall not be bound to act upon such instructions until such time as we are satisfied of such authority. In case where the legal entity or organization is dissolved, the succssessor of the assets (money) in the Account has to provide us with additional information for the due identificaton and verification of the persons, entitled to be provided with access to our service of providing access to the Digital Wallet.
  1. 8. Limitation of Warranties:
  • 8.1. We make no express warranties or representations with respect to the provision of the Digital Wallet. In particular, we do not warrant to you that:
  • Your use of the Digital Wallet will meet your requirements or expectations;
  • Your use of the Digital Wallet will be uninterrupted, timely, secure or free from error; and
  • Any information obtained by you as a result of use of the Digital Wallet will be accurate or reliable.
  • 8.2. No conditions, warranties or other terms (including any implied terms as to satisfactory quality, fitness for purpose or conformance with description) apply to the Digital Wallet, except to the extent that they are expressly set out in the Agreement.
  • 8.3. Nothing in the Agreement will affect those mandatory statutory rights to which you are entitled as a consumer and that you cannot contractually agree to alter or waive.
  1. 9. Limitation of Liability:
  • 9.1. Nothing in the Agreement will exclude or limit our liability for losses which may not be lawfully excluded or limited by this Agreement or by applicable law.
  • 9.2. Subject to the previous Clause, we will not be liable to you for:
  • Any indirect or consequential losses which may be incurred by you. This will include any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation, or any loss of data suffered by you;
  • Any loss or damage which may be incurred by you as a result of:
  • Any reliance placed by you on the completeness, accuracy or existence of any advertising, or as a result of any relationship or transaction between you and any advertiser whose advertising appears on the Digital Wallet;
  • Any change which we may make to the Digital Wallet or any permanent or temporary cessation in the provision of the Digital Wallet(or any features within the Digital Wallet);
  • Malfunction of the Digital Wallet;
  • The deletion of, corruption of or failure to store any communications data maintained or transmitted by or through your use of the Digital Wallet;
  • Your failure to provide us with accurate information; and
  • Any fraudulent use of the Digital Wallet or attempt for fraudulent use by you or third parties related to you;
  • 9.3. We do not assume any responsibility for the information provided by you or other persons to any third parties upon which we cannot influence or control in any way. You acknowledge and agree that we are not liable for any damages or claims resulting from your use or visit on third parties’ websites.
  1. 10. Changes to the Agreement:
  • 10.1. You agree that we may make changes to the Agreement from time to time. We shall give you 5-days' notice of changes in the Agreement, unless a longer period is necessitated by a Regulatory change, or is allowed by law, by notification-mail sent to your e-mail registered for service before their proposed date of entry into force.
  • 10.2. You understand and agree that you will be deemed to have accepted the changes unless you notify us to the contrary by notice, as provided herein under, prior to the date on which the changes are to come into effect, in which case the Agreement will terminate without charge for termination immediately before the effective date of the changes.
  • Nothing in this Section will limit:
  • Our right to update and revise its policies from time to time or to add new features to the Digital Wallet from time to time without prior notice, which may be accepted by you by using the new feature. Such revisions may take place using a method chosen at our discretion, and such method may also include email communication or publication on the Website for the service or in iCard App; and
  • The parties' right to vary the terms of this Section, where the variation is not prohibited by law and both parties agree to it.
  • 10.4. We may introduce innovations, improvements, developments, new functionalities, upgrade Accounts or amend the names of Accounts or products unilaterally and without your consent, for which we shall inform you via e-mail or via the Website for the service.
  1. 11. Communications and Notices
  • 11.1. All information will be made available or provided to you in an easily accessible manner, in easily understandable language, in a clear and comprehensible form and in English and other languages supported by us.
  • 11.2. You agree that we may send notices and other communications to you via your Online account for the Digital Wallet or via the iCard Mobile App, or via e-mail or other reasonable means to any matter relating to your use of the Digital Wallet, including the Agreement (and revisions or amendments to the Agreement), notices or disclosures regarding the Digital Wallet.
  • 11.3. Particular communications will be handled as follows:
  • The Agreement will be provided in the Website and/or the Mobile app at the sign-up and will also be available on the website for the service and in your Online account;
  • Notifications on changes to this Agreement after the sign-up will be provided via e-mail;
  • Except where this Agreement provides otherwise, a notice to terminate this Agreement will be provided via e-mail;
  • 11.4. Any notice sent to us under this Agreement has to be sent by registered post addresses of registered office, as applicable:

Att: iCard Services AD

Business Park Varna, B1, Varna, Bulgaria

  • 11.5. In the following urgent cases, you have to notify us immediately and without delay:
  • Notification of loss, theft, unauthorized use or security breach must be made immediately to the Contact Center on numbers stated on website for the service;
  • Notification by you that you do not agree to the amendment of the Agreement and wish to terminate the Agreement prior to entry into force of the amendments has to be sent from you via your registered e-mail for the Digital Wallet.
  • Notification by you that you complain about certain services have to be sent via your registered e-mail for the Digital Wallet.
  1. 12. General legal terms
  • 12.1. This iCard Wallet Agreement, including Privacy Policy, represent the entire legal agreement for your use of the Digital Wallet and any related services and completely replace any prior agreements in relation to the Digital Wallet.
  • 12.2. You agree that if we do not exercise or enforce any legal right or remedy which is contained in the Agreement (or which we have the benefit of under any applicable law), this will not constitute a waiver of ours rights and that those rights or remedies will still be available to us.
  • 12.3. If any court of law having the jurisdiction to decide on a matter relating to the Agreement rules that any provision of the Agreement is invalid in respect to you, in your capacity of a Consumer, then that provision will be deemed void and will be removed from the content of the Agreement with you without affecting the rest of the Agreement. The remaining provisions of the Agreement will continue to be valid and enforceable.
  • 12.4. You may not assign your rights under the Agreement or otherwise sub-contract or transfer any of your rights or obligations under the Agreement without our prior written consent.
  • 12.5. We may transfer our rights and obligations under the Agreement to a third party, giving to you at least two-month notice previous the date of the transfer per e-mail or via iCard Mobile App unless such a transfer is required due to regulatory reasons. In case you disagree with such transfer we shall provide you the possibility to terminate the Agreement free of taxes, penalties or other.
  • 12.6. Any claim or dispute arising under the Agreement or as a result of the provision of the Digital Wallet should, in the first instance, be referred to us via the Mobile app and/or via your registered mobile number. You have to submit Complains in writing and clearly stating the reasons for complaint. Complaints of clients who have not been successfully identified and verified may not be responded, unless the complaint is related to the process of identification and/or verification of the client. We shall try to resolve the complaint, within reasonable term upon receipt of clear and correctly submitted complaint. We will then investigate and, where appropriate and necessary, take immediate action to rectify the situation. We also undertake to take the necessary steps to prevent a recurrence. All complaints will be acknowledged and you will be informed accordingly of the investigation’s outcome. If you are still dissatisfied with the outcome of the resolution, you may direct your complaint to the following regulatory bodies:

For Complaints related to our services: 

The Commission for consumer protection (in case you are using the Digital Wallet in a consumer capacity): https://www.kzp.bg/

For Complaints related to e-money and payment services: See your Legal Agreement for iCard E-money Account.

  • 12.7. "iCard Wallet ", "iCard Card", "iCard Account" and all related URLs, logos, marks or designs, scripts, graphics, interactive features and similar, software, interfaces, standard or special design of Pay Stickers or visualizations or other related to the service, including logos and marks of Card Organizations are protected by copyrights, trademark registrations or Patents or other of our intellectual property rights. You may not use, copy, imitate, modify, alter or amend, sell, distribute or provide them without our prior written explicit consent to do so in a separate Agreement.
  • 12.8. This Agreement and the relationship between us shall be governed by the laws of the Republic of Bulgaria, subject to your local mandatory rights. For complaints that cannot be resolved otherwise, you submit to the non-exclusive jurisdiction of the Bulgarian courts in Sofia arising out of or relating to this Agreement or the provision of our Digital Wallet. In simple terms, “nonexclusive jurisdiction of the Bulgarian courts” means that if you were able to bring a claim arising from this Agreement against us in Court, the competent court in Sofia, Bulgaria, but in case you are a consumer you may also elect to bring a claim in the court of the country as per your permanent residence.