In accordance with the Organic Law of Libya on the protection of personal data

- I have been informed about:

• √  The purpose of processing my personal data.
• √  My right to object at any time to the processing of my personal data.
• √  Of my right to file a complaint with the INPDP for any violation in the processing of my personal data.
• √ Of my right to access my personal data at my.runpay.ly.
• √  I consent to the processing of my personal data.

This Agreement contains the terms of use for all information related to this service to know the policies of the members and the conditions of use of the service of issuance and transfer of electronic recharges provided by Mousahamat under the brand name RUNPAY.

This platform provides information on the services offered by Mousahamat and the companies of the group or affiliates or partners. All the terms "the Site", "this Site", "these Sites" "this service, these services, the services, Platform, personal account" in the preceding and following sections refer to Web services or machines connected to internet or electronic terminals or electronic terminals open to the public, maintained and managed by Mousahamat.

The terms “you”, “your” or “yours” refer to the person or persons accessing this Site. Unless otherwise indicated, the terms “Mousahamat or RUNPAY”, “we”, “us” and “our” refer to Digital Retail Tunisia registered in the commercial register under number B01223472017

COPYRIGHT

The copyrights concerning pages, screens, information and all documents of this Service are the property of Mousahamat, unless otherwise indicated. Any person is hereby prohibited from copying, reproducing and distributing copies of the documents contained in this Service except in an educational, scientific, or academic context.

It should be noted that all the services or products described in the documents present on the platform may be the subject of other intellectual property rights reserved to Mousahamat and not subject to the license below.

You may not change or make any modifications to any materials that you reproduce or download from our service on our site, application, platform, or electronic kiosk, including, but not limited to, removing any identifying marks or legends from such documents. You may not use our services for any unlawful, unfair, defamatory, obscene or dangerous purpose.

TRADEMARKS

Mousahamat is the holder of the Libyan brand from Digital Retail Tunisia Reference TN/T2013/01834 as well as the Libyan brand RUNPAY referring to reference TN/T2014/00740.

names or registered trademarks owned by Mousahamat, or are owned by third parties and used under license by Mousahamat and/or one of its affiliates or branches or partners. On our interface, these trademarks are, in most cases, accompanied by the appropriate trademark symbol, such as ®, TM, or a similar symbol indicating ownership of Mousahamat.

The display of trademarks on our interface does not imply that any licenses have been granted to third parties. Any unauthorized downloading, retransmission or copying or modification of the trademarks and/or content may violate general regulations or laws, laws concerning trademarks and/or copyrights and may expose the user to legal proceedings.

DISCLAIMER OF WARRANTY

This platform and the information, materials and content are provided "as is" and come with no express or implied warranties, including without limitation the implied warranties of merchantability and fitness for a particular purpose, satisfactory quality or non-infringement. The information described on this platform is provided for informational purposes only, may be modified without notice, and should not be considered as a guarantee, commitment, condition or offer by Mousahamat or any of its affiliates or branches and Mousahamat disclaims all responsibility for any error or inaccuracy that may appear in the document.

Mousahamat does not guarantee the accuracy, adequacy, completeness or timeliness of the information, documents or content of this platform, or the error-free use of it. Mousahamat cannot represent or guarantee that the Service will be available or will meet your requirements, that access to it will not be interrupted, that there will be no delay, breakdown, error or omission, or loss in transmission of information, that no viruses or other system contaminating or destructive properties may be transmitted or that no damage may be caused to your computer system.

Mousahamat can in no way be held liable for any damages – direct, indirect, immaterial, punitive, exemplary or incidental – whether due to negligence, willful misconduct, harmful act, contract or theory. legal liability, or for any loss of data or loss of earnings, any failure to realize anticipated revenues or savings, any loss of profits or any economic or pecuniary loss, resulting from the use of this Service.

DOES NOT CONSTITUTE AN OFFER

No product or service is offered other than through this platform and constitutes an offer for products or services provided by Mousahamat or one of its affiliates or branches. You have access to the products and services offered by Mousahamat or one of its affiliates or branches by visiting either the website of this member or by the platform installed on the external terminals (“Local Sites”).

LINKS TO OTHER WEBSITES AND/OR OTHER PLATFORMS

Our Service may contain links to external websites or other platforms or interfaces provided and maintained exclusively by third parties. No endorsement, express or implied, of third-party products or services is given by the referenced information, materials, or content.

CHANGES MADE TO THE PLATFORM AND/OR ITS INTERFACE

The information, documents and content provided on the pages of this Site may be modified at any time without notice. Changes may be made to these Terms of Use and the Privacy Policy without notice on the occasion of an update.

PRIVACY POLICY

This Privacy Policy sets out the privacy policy for our Services only and does not apply to other external interfaces and/or sites or platforms. When you access an outside service, please read the privacy policy issued by that Service for the policies that apply to any information or personal data processed by it. For the security of our service and to ensure that it remains available to all users, Mousahamat's computer system uses software to monitor network traffic in order to identify unauthorized attempts. permissions to download or modify information, or any other action that may cause damage. Any unauthorized attempt to download or modify information from this service is strictly prohibited and may engage the responsibility of its author.

Mousahamat protects information by using an encryption system using SSL (Secure Sockets Layer) technology to prevent any interception of information. We do our utmost to ensure the security of your personal information, for this purpose our obligation is only of means and not of results.

INFORMATION COLLECTED AND STORED AUTOMATICALLY

During a visit to our platform during which you only browse the Site, read pages or download information, we will automatically collect and store certain information about your visit. This information does not identify you personally. During a visit, we only collect and store the following information:
- Internet domain (e.g. “abc.com” if you are using an Internet access account) and IP address (IP address is a number automatically assigned to your computer when you browse the web) from which you access this Site;
- the type of browser and operating system used to access our service;
- the date and time you access our services;
- the pages you access and;
- if you accessed our services from another website, the address of that website;
- This collection of information and data is also valid on our external automatic terminals.

We use this information to help us make our service more user-friendly for visitors – to learn about the number of visitors to our platform and the type of technology they use. We do not use or save information about the people themselves and their visits.

USE OF “COOKIES” AND MORE PARTICULARLY ON OUR WEB INTERFACE.

"Cookies" are small data files that reside on your computer and that allow us to recognize you when you log in again as a customer to our service using the same computer and the same browser.

We use different “cookies”. In particular, we may send a "session cookie" to your computer if and when you log into your Private Account by entering your email address and password. Thanks to these cookies, we can recognize you if you visit several pages of our platform during the same session, which saves you having to enter your password each time. Once you log out or close your browser, these session cookies expire and have no effect.

Internet browsers allow you to disable these "cookies" by changing the browser settings. If you want to know how to do this, please consult the help menu of your browser.

However, note that disabling “cookies” may significantly restrict your ability to use our services.

INVISIBLE PIXELS AND TRANSPARENT GIFS

Our platform and its web interface may contain electronic images, called pixel tags or clear GIFs. This allows Mousahamat to count the number of users who have visited certain pages relating to our services. Web beacons and clear GIFs are simply tools for obtaining generic information about the pages visited. They are not used to obtain information about the users themselves.

PERSONAL INFORMATION RECEIVED FROM YOU

If you choose to provide us with personal information by sending us an e-mail to one of the contact e-mail addresses indicated on the interface of the platform or its contact form, we will use this information to respond to your message. and help us provide you with the information you request from us. Personal information collected from you may be used for the following purposes:
- to help us create and publish relevant content for you;
- to send you alerts notifying you of special offers, information updates or new services offered by us or one of our affiliates or branches;
- to provide a Service corresponding to your needs and;
- so that giving you limited access to different parts of our Service is appropriate.

You may choose to provide us with personal information in different circumstances. For example, you can, if you wish, provide us with certain information, such as your name, your postal address or your e-mail address, so that we can correspond with you. When you request something from our platform, for example to be called back or to send you specific marketing materials, we will use the information you provide to us to respond to your request.

To respond to your request, it may sometimes be necessary to share this information, for example with affiliates or branches of Mousahamat, business partners or financial institutions. We may also contact you as part of satisfaction surveys or for market research purposes in order to help the various members of our society. You can opt out of receiving mailings from us by following the instructions in each mailing. Our employees may view the information you provide to us in the course of their work and to provide you with assistance. Access to your personal information (which is not in the public domain) is restricted to employees who need to know this information. From time to time, we may outsource certain limited services to other companies on your behalf. We only provide these companies with the information they need to provide the requested service, knowing that they are prohibited from using this information for any other purpose. Our company may collect, use or disclose your personal information as required or authorized by applicable law in Libya.

If Mousahamat or one of its affiliates or branches, or part of its activities or operations, becomes the property or comes under the control of other natural or legal persons, the information collected may be transferred to the party or parties. concerned, who will be subject to the obligations indicated hereunder.

APPLICABLE RIGHT

Your use of our services is subject to the laws and regulations in force in Libya. Any dispute concerning these Terms of Use and this Privacy Policy is subject to the jurisdiction of the courts of Tripoli materially and territorially competent.

MAIN PHYSICAL ADDRESSES

The company Mousahamat having its address at 12, Al Nakhla Str, Dahra, HT Group build, 7th floor Apt. 14, Tripoli.

You declare that you have read and understood and agree that by checking the "I accept" box when opening your Account, you agree to comply with the following conditions, which may be amended at any time (the "Terms of uses”), governing your use of the electronic recharge service provided by Mousahamat (the “RUNPAY Service””). If you do not understand any part of the Terms of Use or wish to obtain clarification on this subject, contact our Customer Service at the number (218) 94-578-2199 (call charges provided by the operators) or consult our website https://my.runpay.ly/contacts.

1. DEFINITIONS AND INTERPRETATION

1.1 In these Terms of Service, the following words have the meanings described below:

"Account" means your card account or your account that you fund in cash opened with RUNPAY on the website or on the electronic terminals containing an electronic recharge code and to which your Cards are attached.

"Account Identification Data" means all of the following pieces of information: the information associated with your Card (card number, expiry date and CVV security code), your PIN code, the information you use to log in to your Account, your security identification number, security questions and answers associated with your Account, and any other identification information and data specific to your Account;

"Card" means any Prepaid card that may be issued by Mousahamat to your attention, whether in the form of a physical card or a virtual card or in any other form that we may deem desirable, registered for your Account;

Our "Customer Service" can be contacted at (218) 94-578-2199 or through our website https://my.runpay.ly/contacts;

"Deposit" means any operation of allocating funds to the credit of your Account as a result of an electronic recharge code purchase;

"Fees" means all fees charged by our company for your use of the RUNPAY service, as indicated in the Tables of Fees published on our Website or on the interface of our electronic terminals, and which we reserve the right to modify at any time in accordance with these Terms of Use;

"Table of Fees" means any table of Fees published on our Website or on our electronic kiosks at the time of use of one of our services;

"Member" means any person meeting all of the eligibility requirements set out in these Terms of Service who has subscribed to our services;

"Member Site" means the website or kiosk interface accessed by Members using their Account Credentials, where they can view their transaction history, deposit funds and conduct many other miscellaneous Transactions;

"Merchant" means any commercial entity or company (i) which accepts cards in payment (for Card Transactions) or (ii) duly registered with Mousahamat, or any of the companies of Mousahamat for accept Transactions from your RUNPAY Account;

"RUNPAY" "Mousahamat", "we", "us", "our" refers to Mousahamat, whose registered office is located at 12, Al Nakhla Str, Dahra, HT Group build, 7th floor Apt. 14, Tripoli, Libya;

"Payment" means any transaction of one of the following types:
(i) any payment made using your Card;
(ii) any debit of an amount of electronic money from your Account and the corresponding credit of that amount to a Merchant's account or the account of another Member designated by you (including as a Direct debit subscription;
(iii) any credit of an amount of electronic money to your Account and the corresponding debit of a Merchant's account or the account of another Member;

"PIN Code" means the personal identification number which we may have issued or approved for use with your Account;

"Prohibited Transaction" means any transaction of one of the following types:
(i) pyramid schemes, Ponzi or similar multilevel marketing schemes, or matrix schemes or other “get-rich-quick” schemes, or questionable or illegal high-yield investment schemes;
(ii) sale or supply of illegal items or items that promote or assist illegal activities;
(iii) sale or supply of counterfeit products;
(iv) third-party payment aggregation or processing products or services;
(v) use of RUNPAY to facilitate the trade, exchange, purchase or sale of Bitcoins, or any other virtual currency, between Members. We reserve the right, at our sole discretion, to add categories of prohibited transactions by including them in these Terms of Use or in an acceptable use policy published on the Website or the electronic terminals;

"Direct Debit Subscription" means a service to which a Member has subscribed to request that regular Payments be made from his Account at a specified frequency for the benefit of an Online Merchant;

"Transaction" means, depending on the context: a Payment, or a Deposit; and in each case, less the applicable Fees;

"Website" means the website www.my.runpay.ly or any other website through which we may from time to time offer the RUNPAY Service.

1.2 These Terms of Use apply to all Members.

1.3 Section headings shall not affect the interpretation of these Terms of Use.

1.4 The term "person" has the meaning of a natural person, company or entity with or without legal personality with or without separate legal personality (by the mere fact of appearance, even virtual).

1.5 Any reference to a holding company or a group of companies or a subsidiary means a holding company or a group of companies or a subsidiary (as the case may be) within the meaning of article 461 of the commercial companies code.

1.6 Unless the context requires otherwise, words in the singular include their plural form and words in the plural include their form in the singular.

1.7 When we use the expression "including", "includes", "in particular", "for example" or any similar expression, the words which follow must be understood as examples, and the meaning of the words, descriptions, definitions , phrases or terms that precede these expressions is in no way limited.

2. GENERAL PROVISIONS

2.1 To become a Member, you must agree to these Terms of Use, which will form a binding contract between you and us upon becoming a Member.

2.2 We may find it necessary to modify these Terms of Use from time to time and we will notify you of any changes by sending you an email to the main email address registered when you opened your Account and by posting a notice of the changes on our Website or on our kiosks with a link to the modified Terms of Use. We will post such changes at least two (2) months before they become effective. However, changes to these Terms of Use in your favor or not affecting your rights will take effect immediately, if so notified in the notice of change.

2.3 You will be deemed to have accepted any changes to these Terms of Use unless you tell us otherwise before they come into effect. In the event of disagreement with the proposed modifications, you will be entitled to terminate these Terms of Use and close your Account without any Charge before the date on which they take effect. Any notification from you indicating that you do not accept the said modifications will constitute a request on your part to terminate the contract which binds us and your Account will be immediately closed upon receipt of your request. Your Card will be canceled and any funds available in your Account will be returned to you in the method specified by you (less any applicable Standard Charges).

2.4 You may review the applicable Terms of Service at any time before initiating a Transaction by clicking on the “Terms of Service” page which, as of today, is located at https://member.my. runpay.com/document/show. The Terms of Service will display the most recent revision date. No revision may affect a Transaction in progress on the date of such revision. Your use of the RUNPAY OR MY.RUNPAY Service indicates your agreement to these Terms of Service. We encourage you to print a copy of these Terms of Use for future reference.

2.5 The following policies, which may be amended from time to time, form part of these Terms of Service (and the term "Terms of Service" shall be understood to encompass these policies):
1. List of countries not benefiting from the service
2. Privacy Policy
3. Complaints procedure

2.6 The latest version of each of these policies is available on our Website for your reference. As of the date of these Terms of Use, each of these policies can be viewed at: https://my.runpay.ly/rules.

3. RUNPAY SERVICE

3.1 Mousahamat is a company receiving electronic funds. All Cards and/or checks issued by Mousahamat, are with the authorization of the publishing companies thereof.

3.2 By accepting these Terms of Service and using the RUNPAY Service, you represent that you have read and understood that:
(i) we are not a bank and your Account is not a bank account;
(ii) the Accounts are not subject to the supervision of a government agency, and the Libyan compensation funds do not apply to your Account;
(iii) we are not the custodian, trustee or holder of any escrow contract in relation to the balance of your Account; no pledge on your account will be accepted and;
(iv) we do not pay interest on your Account balance.

3.3 You are not required to maintain a credit balance on your Account but, if your Account is in credit, the funds representing that balance are held separately and pooled with the funds representing the balances of other Members on an Account. which we hold in accordance with the legal provisions. We are not authorized to pay you interest on the balance of your Account; any interest earned on the Joint Management Account is the property of Mousahamat.

4. MEMBERSHIP

4.1 To become and remain a Member, you must:
1. be at least 18 years old and be of legal age, according to Libyan law;
2. not be a resident of a country in which we do not provide the RUNPAY Service if applicable, and therefore appearing in the list of countries not benefiting from the service, the content of which we reserve the right to modify at any time without notice;
3. Open an Account in accordance with the instructions on the registration page of our Website or interface of our electronic terminals by completing all the information required on the registration page;
4. have an active postal address, telephone number and email address and;
5. Successfully pass all required identity and security verification and validation checks.

4.2 You may not allow anyone else to use your Account. Except as permitted by us from time to time, you are not permitted to open more than one Account and we may, without notice, terminate any or all Accounts of a Member who has multiple Accounts or is reasonably suspected of hold several of them without being authorized to do so.

4.3 You will promptly update your Account details on the Website if your name, postal address, email address, telephone number, bank account or credit card details change.

5. ELIGIBILITY

To be able to use the RUNPAY Service, you must:
1. be a Member and;
2. not to have committed a violation of the Terms of Use or not to find yourself in a situation of restricted access to your Account, nor to have been the subject of an Account closure on our part.

6. USE OF YOUR ACCOUNT

6.1 When you open your Account, we give you a virtual card. To be able to carry out a transaction, you must then fund your card by purchasing electronic recharge codes to be credited to your Account. Your Card is not a credit card or a debit card. You may only spend the value of the funds you have in your Account.

6.2 Purchase of electronic recharge code
6.2.1 You can buy electronic top-ups using one of the Deposit options available in Libya. You must provide the required information and successfully pass all identity and security verification and validation checks. For any Deposit, you authorize us to obtain or receive funds on your behalf from the payment source of your choice, less applicable Fees, and then issue electronic top-ups to your Account.
6.2.2 Notwithstanding the above, certain Deposit options allow you to instruct us to fund your Account by debiting an account at your physical financial institution. In the event that we are informed of insufficient funds in such an account, we may notify you of the non-settlement of this payment at your financial institution up to two times.
6.2.3 Deposits are subject to fees, and currency conversion fees where applicable are also applied depending on the method used. For more information on Fees, see section 8.

6.3 Requesting Additional Cards
6.3.1 After a verification step of your Account (see article 6.3 (ii) below), you can request additional virtual Cards or a physical Card or checks It is possible to obtain a physical Card.
6.3.2 To request a physical Card or another virtual Card, you must first "verify" your Account by confirming your identity and place of residence. Details on the procedure to follow are available on the website or on the electronic kiosks. We may use third parties to obtain this information, who may then carry out a credit check on our behalf. You grant us the right to exercise reasonable discretion in using and sharing relevant personal data to conduct these identity verification and verification operations.
6.3.3 If you receive a physical Card, you must sign it upon receipt.
6.3.4 We reserve the right to refuse to issue a Card at our sole discretion.

6.4 Using your Card:
6.4.1 You can use your Card wherever it is accepted. However, you can only use your Virtual Card where a physical card is not required (for online or telephone transactions, for example).
6.4.2 All Transactions carried out using your Card are subject to the availability of sufficient funds in your Account, the possibility for the Merchant or the financial institution to verify that your Account has sufficient funds; and compliance with the terms of the ATM provider or relevant financial institution (in addition to these Terms of Use).
6.4.3 We reserve the right, at our sole discretion, to refuse any transaction. We accept no liability if a Merchant refuses to accept your Card or if we do not authorize a Transaction or if we cancel or suspend the use of your Card in accordance with these Terms of Use.
6.4.4 You must not spend more money with your Card than you have in your Account. If your conduct causes your account to show a negative balance, we will take this situation seriously and take the necessary steps against you in accordance with these Terms of Use.
6.4.5 Some Merchants, such as car rental companies, hotels and other service providers, estimate the total amount of money you will spend or require authorization for. This estimate may be higher than the amount you will spend or be charged. This means that part of the funds in your Account may be blocked for a period of up to 30 days (or 90 days for car rental companies) and, as a result, you will not be able to spend this sum during this period. We cannot release such a sum without the agreement of the merchant concerned, which you must obtain from him.

6.5 Payments to and from your Account
6.5.1 In addition to using your Card to make Payments, you can also make a Payment directly from your Account to a merchant accepting RUNPAY or another Member by completing the form on the "Funds" page. leavers” of the Members’ Site; in some cases, it is possible to make a Payment to or from a Merchant's account, directly on its website.
6.5.2 When making a Payment from your Account, you may not specify an amount in excess of your Account balance, plus any applicable Fees, at the time of the request. If you attempt to do so, your Payment request will be denied.
6.5.3 The amount of any Payment made to your Account, minus any applicable Fees, will be credited to your Account balance. If a Payment credited to your Account is canceled by the sender before you complete the transaction, the amount of the canceled Payment will be returned to the sender and you will not be charged any Fees.
6.5.4 You are responsible for checking the accuracy of your instructions; we decline all responsibility in the event of an error on your part when entering a recipient's email address or the amount of the Payment or any other information.
6.5.5 You are fully responsible for any goods or services you purchase that are paid for through your use of the RUNPAY Service. Any dispute with a Merchant regarding any product or service purchased by you through the RUNPAY Service shall remain between you and the Merchant and you agree that we shall not be a party to any such dispute. We make no warranties, representations, conditions or warranties with respect to such goods and services.
6.5.6 Payments are subject to Charges, and currency conversion charges where applicable are also applied depending on the method used. For more information on Fees, see section 8.

6.6 Subscription by direct debit
6.6.1 Some Online Merchants may offer goods or services payable under a Direct Debit Subscription. A Payment is then taken from your Account at regular intervals. The amount of the Payment and the frequency of direct debits are determined by the relevant Merchant.
6.6.2 This Direct Debit Subscription is a contract between you and the relevant Merchant. If you wish to modify or cancel the Payment made under your Subscription by direct debit or if you have any questions or disputes about the Payment made under your Subscription by direct debit, you must contact the Merchant directly and these are the general conditions established by this Merchant that apply. After contacting the Merchant, you should ensure that you keep us informed of the situation. We cannot cancel or modify Payments made under a Direct Debit Subscription without Merchant's consent. Under no circumstances should you cancel or otherwise invalidate a Direct Debit Subscription Payment without first contacting the Merchant. Under no circumstances will we be liable for any Payment deducted from your account under a Direct Debit Subscription if you have failed to notify the Merchant of the cancellation in advance. You will not be able to cancel a Payment already made to a merchant.
6.6.3 It is your responsibility to ensure that you always have sufficient funds in your Account to pay each of the Payments you have decided to make under your Subscription by direct debit. Under no circumstances will we be liable for any fees, charges or fines that you may incur due to the lack of sufficient funds in your Account to meet your obligations under a Direct Debit Subscription contract. If the balance of your Account becomes negative, the conditions set out in Article 10.3 will apply.
6.6.4 A payment made under a Direct Debit Subscription constitutes a "Payment" as defined in these Terms of Use and standard charges apply for each Payment.

6.7 Account Limits
6.7.1 The balance of your account must not exceed 50 000 dinars or equivalent in foreign currency.
6.7.2 It is your responsibility to check that your account balance does not exceed the Account Limit. We will not automatically block transactions to avoid exceeding the Account Limit, you should therefore regularly check your account balance to ensure that it does not exceed the Account Limit.
6.7.3 If you exceed the Account Limit, you must bring your Account balance to a level equal to or less than the Account Limit within 60 (sixty) days from the date the Account Limit was exceeded.
6.7.4 If your Account balance is not brought back within the Account Limit within the above mentioned period of 60 (sixty) days, we will suspend your Account and return any balance exceeding the Account Limit to the entity issuer of the deposit or payment (starting with the most recent deposit or payment until the Account Limit is reached). For example, if your most recent deposit or payment transaction was a deposit made using a credit card, we will return the amount corresponding to that deposit (or any lower amount necessary to reach the Account Limit) to credit card provider. If this is not enough to bring your account balance back within the Account Limit, we will return the amount corresponding to the second most recent deposit or payment to the entity issuing those funds (and so on) until your account balance reaches the Account Limit. We may charge you for resending amounts for balances that exceed the Account Limit.

6.8 Closing your account and recovering your funds
6.8.1 If you wish to close your Account, you may do so by notifying us in writing. In accordance with item (iii) below, you may be reimbursed at face value for the entire e-money balance in your Account (excluding amounts that have not been cleared by your financial institution) by choosing one of the available withdrawal options listed on the “Withdraw Funds” page of the Members Site, or by using your Card at any ATM.
6.8.2 Your Withdrawal request will be processed subject to you having successfully passed all required identity and security verification and validation checks.
6.8.3 Depending on the Withdrawal method chosen, any Fees applicable

6.9 You must consent to the execution of a Transaction for it to be authorized. By clicking the "Accept" button or providing your Account Credentials (or using any button or equivalent process whereby you submit the required Transaction information), you confirm that you are giving your consent for the Transaction is processed and the related Fees are charged and deducted from your Account. All Transactions made using your PIN Code or Account Credentials are deemed to be authorized by you. You also agree that, once you have given your consent, the authorized Transaction cannot be cancelled. The moment when the Transaction request is received (and therefore the moment when consent is given) corresponds in this respect to the moment when you click on the "Accept" button (or use an equivalent button or process).

6.10 We may refuse to execute a Transaction in the following circumstances:
6.10.1 we have reasonable grounds to believe that you have not given us instructions;
6.10.2 we have reasonable grounds to suspect fraudulent activity;
6.10.3 your instructions are confusing, incomplete or not presented in the form intended;
6.10.4 we suspect that the Terms of Service have been breached;
6.10.5 we are required to do so to comply with the rules of the Card issuing body or;
6.10.6 we are required to do so to comply with the law or the requirements of a regulatory body. We will notify you of our refusal, the reasons for such refusal and, if applicable, how to correct the error which led to such refusal, unless such notification - or any part of this notification - is prohibited by law or regulations.

6.11 A Merchant may not be able to authorize a Payment if they are unable to obtain online authorization from us (for example, if they are unable to access the internet).

6.12 You are fully responsible for the instructions you give to us and therefore we may not be able to detect errors in your instructions regarding a Transaction. You must ensure that all the information entered in relation to each Transaction is correct. Any Transaction will be considered to have been correctly executed when it has been done in accordance with your instructions. However, in certain circumstances, we may be able to assist you in recovering the funds involved and will apply the relevant Fees to do so, in accordance with the Table of Fees. We cannot recover funds that were not properly sent to another Member unless you have a ticket number or the consent of the other person involved.

6.13 Transactions are final and not reversible except in the following circumstances and at our sole discretion:
1. confirmation of an error by a Merchant;
2. unauthorized activity involving your Account or;
3. breach of these Terms of Use by you.

6.14 You represent that you have read and understood that some of our Transaction options will require different types and levels of identity and security verification and validation checks, including the use of third-party verification and validation systems, and you agree that we exercise reasonable discretion in using and sharing relevant personal data to perform these identity and security verification and validation checks if you choose such options.

6.15 You also acknowledge that, for security reasons, some of our Transaction options impose minimum and maximum limits on the amounts that can be transferred. We reserve the right to impose limits on the amount of any Transaction and the frequency of use of a specific Transaction option. For more information, visit the Website. These limits may be changed at any time without notice.

6.16 You are prohibited from doing the following:
6.16.1 any activity, or attempted activity, that we consider to be collusion, abuse of bonuses or other promotions in relation to the RUNPAY Service;
6.16.2 opening, or attempting to open, multiple Accounts in your name (except with our prior written consent) or a false name;
6.16.3 the performance of false and/or artificial activities or Transactions (commonly referred to as “financial churning”).

6.17 You must only use your Account for personal purposes and not as a means of trading or carrying on business, except in certain circumstances determined by us, for which we grant you prior written consent.

7. EXPIRATION OF YOUR CARD, LOST OR DAMAGED CARD

7.1 Your Card is valid until the date shown on the Card, unless we decide to cancel its use earlier in accordance with these Terms of Use. Transactions will not be authorized once your Card has expired or its use is cancelled.

7.2 When your Card expires, it will be automatically renewed only if you have used it during the 12 months preceding its expiry date. The automatic renewal of your Card will not incur any Charges.

7.3 If you request it, we are able to replace a stolen, lost or damaged Card. In the event of replacement of a stolen, lost or damaged Card, Charges will be applied.

7.4 If you find your Card after having reported it lost, stolen or misused, you must destroy it and notify us immediately.

8. FEES

8.1 For each Transaction, we will charge you the Fees set out on our website. You authorize us to debit your Account for any Fees applicable in connection with a Transaction. We may also charge you certain Administration Fees, including, but not limited to, Fees relating to the management of inactive Accounts, debt collection and Fees for reprocessing in the event of insufficient funds. All Fees will be charged in the currency of your Account, and you agree that we may debit such Fees or other amounts related to the RUNPAY service by clearing your Account. All Card Fees will be charged in the currency of your Account, regardless of the currency of the Card or Transaction.

8.2 We reserve the right to change the Fees at any time; such changes will be made in accordance with Section 2.2. Updates will be indicated on the fees page of our website. Exchange rate changes will apply immediately, without notice.

8.3 Please be aware that some ATM providers charge additional Fees for the use of their ATMs. It is your responsibility to verify these Charges before proceeding with your Transaction.

8.4 If you have funds in your Account and have not made any Transactions from or to your Account for a period of 12 months (“Inactive Account” or “Account Inactivity”), we will charge an administration fee (“Inactive Account Fee”). management "). You will be notified one month in advance by email. The Management Fee will be charged to you on an annual basis and will be deducted from the funds available in your account (however, we will ensure that your balance never becomes negative). For example:
1. If your Account has been inactive for 12 months, we will charge you an Administration Fee. You will still be able to access your Account if you wish to make a Transaction in the future.
2. After an additional 12 months of inactivity (or 24 months of Account Inactivity in total), we will charge a Management Fee a second time (if you have sufficient funds in your Account). You will still be able to access your Account if you wish to make a Transaction in the future.
3. Funds unclaimed after a period of six years following the closure of your Account expire and are forfeited.

8.5 For more information on the exact amount of the Management Fee, see the Fees page of the Website. Management Fees are charged until one of the following events occurs:
1. you make a Transaction;
2. your Account balance reaches zero or;
3. the Account has been inactive for 36 months or more, which results in its termination or the cancellation of your Card in accordance with these Terms of Use.

8.6 If you enroll in the Rewards Program, your Points Balance will also expire, in accordance with Section 3 of the RUNPAY Rewards Program “If you do not complete a Qualifying Transaction”. For more information, see the Rewards Program Terms.