Please read them carefully.
Wallter, UAB is a company incorporated and existing under the laws of the Republic of Lithuania, legal entity code 304740691, registered address at Lvovo Str. 25-104, LT-09320, Vilnius, Lithuania. Wallter, UAB is authorized Electronic Money Institution holding an Electronic Money institution licence No. 30 issued by the Bank of Lithuania on 13 March 2018 under the Law on Electronic Money and Electronic Money Institutions 2011. Wallter, UAB is a subsidiary of Wallter Payments, Ltd., which is authorized EMD Agent by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 for the distribution and redemption of Electronic money, FCA e-money register number 902019.
1.3. You are also advised to read the answers to the “Frequently Asked Questions” which are published on our Website.
1.4. Depending on the type of WLT Account you have, additional terms and conditions may apply as communicated to you at the appropriate time.
2.1. “Agreement” - a legal relationship established between us and you, providing a framework for the provision of payment services.
2.2. “Business Day” - shall mean any day on which banks in Lithuania carry out banking operations.
2.3. “BoL” - Bank of Lithuania, legal entity code 188607684, a central bank in Lithuania, acting as a supervisory institution in the Republic of Lithuania.
2.5. “Consent” - a permission of the WLT Account holder to perform a Payment.
2.6. “Electronic money” - money credited or transferred to and held on WLT Account for execution of Payment transactions.
2.8. “Merchant” - any commercial or business entity that (i) accepts cards displaying the MasterCard®/Visa® acceptance symbol as payment (where a card transaction is concerned) or (ii) is validly registered with WLT to accept Transactions from your WLT Account.
2.9. “WLT”, “we”, “us” - Wallter, UAB, a company incorporated and existing under the laws of the Republic of Lithuania, legal entity code 304740691, registered address at Lvovo Str. 25-104, LT-09320, Vilnius, Lithuania; Wallter, UAB is authorized Electronic Money Institution by the BoL, holding a license of the Electronic Money Institution No. 30, issued on 13 March 2018. The supervisory authority of WLT- the Bank of Lithuania (address: Gedimino pr. 6, LT01103 Vilnius, Republic of Lithuania, phone: +370 5 2680029, fax: +370 5 2628124, email: firstname.lastname@example.org, internet website: www.lb.lt). E-mail address of WLT - email@example.com, internet website of WLT https://www.wallter.com (the “Website”).
2.10. “WLT Account” - the Electronic money account you open and maintain through the WLT Website including but not limited to any ancillary services (e.g. prepaid cards).
2.11. “One-Click” money transfer” - the money transfer service further details of which can be found on the WLT Website.
2.12. “Payment” - any of the following: (i) any payment made using your WLT Account or card; (ii) the debiting of an amount of electronic money from your WLT Account and the concurrent crediting of such amount to a Merchant account, or other WLT Account holder, as designated by you (including by way of Subscription Billing); or (iii) the crediting of an amount of Electronic money to your WLT Account and the concurrent debiting of a Merchant account, or another WLT Account holder's account;
2.13. “Payment Service” - any service which is defined as the payment service in the Law of the Republic of Lithuania on Payments and Law on Electronic Money and Electronic Money Institutions.
2.14. “Personal data” - any information related to the natural (private) person who's identity is known or can be directly or indirectly determined by using personal code (national ID number) and one or more physical, physiological, psychological, economic, cultural or social features specific to the individual.
2.16. “Strong Customer Authentication” - means an authentication based on the use of two or more elements categorised as knowledge (something only the user knows), possession (something only the user possesses) and inherence (something the user is) that are independent, in that the breach of one does not compromise the reliability of the others, and is designed in such a way as to protect the confidentiality of the authentication data.
2.17. “Subscription Billing” - a service whereby WLT Account holder requests a regular Payments to be made from his/her/its WLT Account at specified intervals to an online merchant;
2.19. “You”, “your” - the natural person or legal entity in whose name the WLT Account is opened and maintained.
3.2. When registering on our Website, the WLT Account is personal and created only for you or your representatives.
3.3. If you are an individual, you must be 18 years or older to use our services. By opening a WLT Account, you declare that you are 18 years or older. This does not apply to products for which we set a different age limit. We may require at any time that you provide evidence of your age.
3.4. You may only open one WLT Account unless we explicitly approve the opening of additional accounts.
3.5. You may only open a WLT Account if it is legal to do so in your country of residence. By opening a WLT Account, you represent and warrant to us that opening of a WLT Account does not violate any laws or regulations applicable to you. You shall indemnify us against any losses we might incur in connection with your breach of this section.
3.6. All information you provide during the sign-up process or any time thereafter must be accurate and truthful. You confirm that you have provided the correct data when registering in the system and, if there is a need in changing or adding data, you shall submit correct data only. You will bear any losses that may occur due to submission of invalid data.
3.7. You may only add payment instruments (such as bank accounts, credit cards or debit cards) to your WLT Account if you are the named holder of that payment instrument. We take any violation of this requirement very seriously and will treat any attempt to add a payment instrument of which you are not the named holder as a fraudulent act.
3.9. You may close your WLT Account at no cost by contacting Customer Service; however, if you have uploaded funds into your WLT Account, you may be required to provide identification documents before being able to withdraw funds. Transactions and Fees for transactions undertaken before you close your WLT Account (including those transactions that are not revocable and have been initiated but not completed before closure of your WLT Account) will not be refunded.
3.10. It is essential for us to know the identity of you, to whom we provide Payment Services, therefore, in our business, we follow the principle “Know Your Customer”. To this end, we have to take all relevant, targeted and proportionate measures to determine whether you are acting in your own name or are under control, and to identify the beneficial owner, and to identify your representatives where you are acting through a representative.
3.11. You agree to supply information reasonably requested by us as soon as possible, but no later than within the period specified in our request. You warrant that the information provided is accurate and valid and that it does not breach any laws or regulations.
3.13. By opening WLT Account, you confirm and warrant that you or your affiliates (if applicable):
3.13.1. are not owned or controlled by any individual or entity subject to any sanctions administered or enforced by the United States, including the United States Department of the Treasury’s Specially Designated Nationals and Blocked Persons List and Sectoral Sanctions Identifications List maintained by the United States Department of the Treasury’s Office of Foreign Assets Control, the United Nations Security Council, the European Union and the relevant sanctions authorities of each of its member states, including the United Kingdom’s HM Treasury, or other relevant sanctions authority; and
3.13.2. are not located, organized, or resident in Cuba, Iran, North Korea, Syria, or the Crimea Region of Ukraine, or owned or controlled by any individual, entity or government in those countries or regions. Any breach of this section is a material breach of this Agreement and is grounds for
3.14. The Agreement shall be valid for unlimited term, unless otherwise established herein.
4.1. Your WLT Account is an Electronic money account which enables you to send and receive electronic payments and perform other operations that are directly related to money transfers.
4.2. Electronic money held on WLT Account is not a deposit and we do not in any circumstances, pay any interest for Electronic money held on the WLT Account and do not provide any other benefits associated with the time period the Electronic money is stored.
4.3. The Electronic money on your WLT Account is issued, distributed and redeemed in accordance with the European Electronic Money Directive (Directive 2009/110/EC of 16 September 2009) and the relevant national legislation of the Republic of Lithuania.
4.4. Your WLT Account is denominated in a currency of your choice, as selected by you from the available currencies provided in the Website. You cannot change the currency of your WLT Account once you have attempted to process a payment.
4.5. The Electronic money held on your WLT Account does not expire and it will not earn any interest.
4.6. You have the right to withdraw funds from your WLT Account at any time. However, you may be required to confirm your identity beforehand. There is no minimum withdrawal amount but the funds on your WLT Account must be sufficient to cover any applicable withdrawal fee. You can choose the method of withdrawal when submitting your withdrawal request.
4.7. The Electronic money on the WLT Account belongs to the person or legal entity which is registered as the WLT Account holder. No person other than the WLT Account holder has any rights in relation to the funds held in a WLT Account, except in cases of succession. You may not assign or transfer your WLT Account to a third party or otherwise grant any third party a legal or equitable interest over it.
4.8. Your WLT Account may be subject to upload, payment and withdrawal limits, depending on your country of residence, the verification status of your WLT Account and other factors used by us to determine such limits from time to time at our sole discretion.
4.9. We will ensure the more secure authentication (Strong Customer Authentication) is applied when you access your WLT Account online. Strong Customer Authentication will be also applied while you initiate an electronic payment transaction or carry out any action through a remote channel which may imply a risk of payment fraud or other abuses.
5.1. When a WLT Account is opened for you, you shall be entitled to manage the WLT Account by electronic computerized communication tools by logging into your WLT Account with your email and a password.
5.2. You must ensure that the information recorded on your WLT Account is always accurate and up to date and we shall not be liable for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information or to provide documents or other evidence.
5.3. We may contact you by e-mail or in other ways described in section 21 with information or notices regarding your WLT Account. It is your responsibility to regularly check the proper functioning of your e-mail account or other methods of communication that you have registered with your WLTv Account and to retrieve and read messages relating to your WLT Account promptly. We shall not be liable for any loss arising out of your failure to do so.
5.4. Fund uploads, payments received, payments sent and fund withdrawals are displayed in your online transactions history together with the Fees charged. Each transaction is given a unique transaction ID and shown in the transaction history. You should quote this transaction ID when communicating with us about a particular transaction. You should check your WLT Account balance and transaction history regularly. You should report any irregularities or clarify any questions you have as soon as possible by contacting Customer Service.
6.1. You may close your WLT Account at any time by contacting Customer Service by providing a written notification of the termination no later than 30 (thirty) calendar days in advance of its termination.
6.2. If your WLT Account holds a balance at the time of its closure, we will ask you to withdraw your funds within a reasonable period of time, during which your WLT Account will be accessible for the purpose of withdrawing the remaining balance only. After the expiry of this period you will not be able to access your WLT Account but you may withdraw any remaining funds by contacting Customer Service and requesting that the funds are sent to you in a manner that is reasonably acceptable for us.
6.3. We reserve the right to carry out any necessary money laundering, terrorism financing, fraud or other illegal activity checks before authorizing any withdrawal of your funds, including in relation to returning any funds to you after you have closed your WLT Account.
7.1. You can upload funds by visiting the Website, logging into your WLT Account and following the relevant upload instructions. You may be presented with a number of different upload methods, depending on which payment instruments you have added to your WLT Account and which payment methods are available in your country of residence. Upload methods are Payment Services provided by third party financial institutions (for example, the issuer of the payment card you use to upload funds or third party direct banking service providers) and are not part of our service. We do not guarantee the use of any particular upload method made available, and may make changes to or discontinue the acceptance of any particular upload method at any time without following the procedure set out in section 17. We shall not be responsible for the upload payment until the uploaded funds are received by us. For the avoidance of doubt the issuance of Electronic money is vested in WLT only that will issue it to your WLT Account.
7.2. You may be asked to answer security questions or to complete other activities that we may reasonably require to ensure proper authorization of an upload transaction.
7.4. Some online Merchants may offer goods or services which can be paid for using Subscription Billing. This means that a Payment will be deducted from your WLT Account at regular intervals. The amount of the Payment and the intervals at which the Payment will be deducted is determined by the relevant Merchant. Subscription Billing is an arrangement between you and the relevant Merchant. If you wish to amend or cancel your Subscription Billing Payment or have any query or dispute concerning your Subscription Billing Payment, you may only do this by contacting the Merchant directly and the terms and conditions set by the Merchant will apply. Once you have contacted the Merchant you should inform us. We are unable to cancel or amend Subscription Billing Payments without the consent of the Merchant. You should not cancel or otherwise reverse a Subscription Billing payment without contacting the Merchant first. We will not be liable for any Subscription Billing Payment that is deducted from your WLT Account before you have notified the Merchant of the cancellation. You will not be able to cancel a Payment that has already been made to a Merchant.
7.6. Automatic money transfers on a regular or recurring basis are not provided as part of the WLT “One-Click” money transfer where the recipient does not have a WLT Account and therefore paragraphs 7.4 and 7.5 shall not apply to that service.
7.8. Uploaded funds will be credited to your WLT Account after the funds have been received by WLT. Some upload transactions, such as those by credit or debit card, direct debit or direct banking will be credited to your WLT Account immediately, but are subject to reversal in case the actual funds do not reach us within a reasonable time in which case we will deduct such reversed transaction from the balance of your WLT Account. If your WLT Account balance is insufficient, we reserve the right to require repayment from you.
7.9. For the purposes of an upload transaction through a payment instrument, we are a payment recipient and not a Payment Service provider.
7.10. You must not make an upload through a payment instrument if you are not the named holder of that payment instrument. We take any violation of this requirement very seriously and will treat any attempt to use a payment instrument of which you are not the named holder as a fraudulent act. Without prejudice to claiming further damages, if we are required to return funds uploaded from a payment instrument that is not in your name, we may charge an administration fee per upload return.
7.11. Uploads may be subject to upload limits due to security and legal requirements. These limits are set dynamically depending on your verification status and the upload method you want to use. You should be aware that depending on your verification status your upload limits may be higher than your withdrawal or spending limits. You can view these limits at any time in the relevant section of your WLT Account profile.
7.12. Uploads are subject to upload Fees and currency conversion Fees depending on which upload method and payment instrument is chosen. Please see section 12 for the details.
7.13. The Agreement or other documents (e.g., requests, applications, questionnaires) may establish a maximum limit of costs for payment transactions executed using a payment instrument.
7.14. You can place a transfer order for internal payment transaction at any time, even on nonbanking day. Internal payment transactions shall be processed automatically upon placing, without unnecessary delay.
7.15. External payment transactions made on the basis of your transfer order given on the Business Day shall be processed on the day when the order is given.
7.16. You will have an access to information on transactions and balances on your account in electronic form, i.e. through the designated WLT Account.
7.17. We shall supply statements of accounts in paper form and on physical media at your request, after the Fee is paid. You are entitled to get the statements of accounts in paper form or other durable medium for free in case of termination the agreement. You may use this right only if you and we had contractual relationship more than 36 (thirtysix) months before termination of agreement as well as you may refuse to get statements of accounts if the you provide the notice within refusal of such right in written to the us.
8.1. To send a Payment you are required to authorize the payment with your login details and password. We may also ask you additional security questions relating to you or your WLT Account. If your WLT Account is protected by additional security measures such as password tokens, you need to follow the instructions provided to you with such additional security measures. If your WLT Account is enabled to make mass payments, the procedure to make such payments will be communicated to you in the relevant integration manual. By filling payment order and submitting it for execution, confirming it by electronic signature, login details and password, codes and / or other identity verification means you electronically confirm yours Consent to execute the payment order.
8.2. The Payment transaction is considered authorized only if you provide a Consent.
8.3. The Consent must be submitted prior to execution of Payment transaction.
8.4. very recipient of a Payment you wish to send through us must have a valid means that we can use for their identification. For most of our services that means of identification will be a valid e-mail address but other means of identification may be required for our other services (for example for the WLT “One-Click” money transfer, we may require you to provide us with the recipient's mobile telephone number or we may ask for a valid passport and utility bill).
8.5. If you are asked to provide details of the recipient's e-mail address or other means of identification, where applicable, you must take great care to properly type the exact details of who you wish to send money to. We use those details as the unique identifier to determine the intended recipient of the payment which you instruct us to process. Other information you provide along with the recipient's means of identification may be disregarded and we shall not be liable for any error you make when entering the recipient's means of identification. If you send funds to the wrong account or identify a payment incorrectly, you shall have no entitlement to corrective settlement, nor to damages or other compensation from us. A fee may be applicable to incomplete transaction which require additional administrative manpower.
8.6. If the e-mail address of the intended recipient is registered with us, the funds will be instantly credited to the WLT Account associated with that e-mail address. Once funds are credited to the recipient's WLT Account, the transaction becomes irreversible.
8.7. If the recipient's e-mail address is not registered with us, the funds if executed in euro in the Republic of Lithuania will be credited to the recipient's account on the same Business Day, provided that the point in time of receipt of the payment order is that Business Day by 12 p.m. Where the time of receipt of the payment order is after 12 p.m., we will ensure that the funds are credited to the recipient account at the latest by the end of the next Business Day. The time limit of execution of the payment transactions in the Republic of Lithuania and to other Member States in the currencies of Member States outside the euro area shall not exceed 4 (four) Business Days.
8.9. You can make recurring payments by setting up a recurring payment order on your WLT Account. You can cancel your recurring payment order for future payments at any point by logging into your WLT Account and deleting it. You will not be able to cancel transactions that have already been credited to the recipient. Automatic money transfers on a regular or recurring basis are not provided as part of the WLT “OneClick” money transfer where the recipient does not have a WLT Account and therefore this paragraph shall not apply to that service.
8.10. Provided that you are a payer, the payment ordered is considered received by us on the day of its reception, or, if the moment of reception of the payment order is not a Business day, the payment order is considered received on the nearest Business Day.
8.11. Payments are subject to payment limits due to security and legal requirements. These limits are set dynamically depending on your verification status. You can view these limits at any time in your WLT Account profile. You should ensure that your limits are sufficient to cover the payment you intend to make as well as any applicable Fees including service fees and currency conversion fees. You should be aware that the recipient of a payment may also be subject to spending and withdrawal limits and that this may affect the recipient's access to the funds you intend to send.
8.12. Sending payments is subject to fees and currency conversion fees depending on the type of payment you make and the type of WLT Account you hold. Please see section 12 for details.
Conditions of refunding to you of the amounts of automatic payments and payment transaction initiated by or through the payee
8.13. Where a payment transaction is initiated by or through the payee in the context of a card-based payment transaction and the exact amount is not known at the moment when you give consent to execute the payment transaction, we might reserve funds on our WLT Account only if you have given consent to the exact amount of the funds to be reserved.
8.15. You shall have the right to recover from us the full amount of already executed automatic payment or of the authorized and executed payment transaction initiated by or through the payee (hereinafter automatic payments and other payment transactions referred to in this paragraph - Transactions) within eight weeks of the date on which the funds were debited from the your WLT Account and we must refund to you the full amount of the executed payment transaction within ten working days provided that both of the following conditions are met:
8.15.1. when authorizing a Transaction its precise amount is not specified;
8.15.2. the Transaction amount exceeds the amount which could have been reasonably expected by you considering your previous expenditure, agreement conditions and other circumstances, except for the circumstances relating to the exchange of currency, where the exchange rate agreed between you and us was applied during the execution of the Transaction.
9.1. If you receive funds into your WLT Account, we will send you a notification e-mail and display the payment as a “Receive Money” transaction in your transaction's history. You should regularly reconcile incoming payments with your own records.
9.2. You should be aware that receipt of funds to your WLT Account does not necessarily mean that these transactions cannot be reversed. We reserve the right to reverse a payment in case the payer or the payer's bank or Payment Service provider has charged back or otherwise reversed (or is reasonably likely to charge back or otherwise reverse) an upload or other payment which was used to fund the payment to you.
9.3. If a person received a payment notification from us indicating that someone has sent them funds to an e-mail address that is not registered, they will be credited in accordance with the time lines set in paragraph 8.7.
9.4. You can request a payment from someone by using the “Receive Money” service within your WLT Account. You must only use this service for undisputed amounts that a person owes you and that are due for payment in full. You may not use this service more than once for the same payment you request. This service may not be used as a debt collection or enforcement tool. If the person that owes you the payment asks you not to use WLT “Receive Money” service to request payment from them, you must comply with this request regardless of the merits of your claim. When using this service, you must ensure that you have the right to contact the person you are claiming from. You are strictly prohibited from requesting money by using the “Request Money” service within your WLT Account from someone that:
>> does not owe you the amount requested;
>> would be ineligible to open a WLT Account (e.g. minors); or
>> has not given or has withdrawn his or her consent to receive a request for payment via the “Request Money” service, and we shall have the right to claim any damages or losses arising out of your breach of this section.
9.5. The receipt of payments is subject to fees and currency fees, depending on the type of payment you receive and the type of WLT Account you have. Please see section 12 for details.
9.6. If the we credit an incoming payment to your WLT Account and is later contacted by the payer's Payment Service provider with a request for the return of the funds, we shall contact you in this regard. If you agree to return the funds, the funds shall be deducted in full amount from your WLT Account. If you do not agree to return the funds, the payer's Payment Service provider shall be contacted and informed that the request has been rejected and your identification data shall be sent to the payer's payment service provider.
9.7. We shall return the funds credited to your WLT Account to the payer's Payment Service provider or to another institution/authority if it is required to do so under the enforceable decision of a court, state authority, public administration authority, or under the applicable legal regulations. Exchange rate differences, if any, shall be borne by the person who is responsible for the incorrect transfer order or for incorrect settlement.
10.1. It is strictly forbidden to send or receive payments as consideration for the production, sale or supply of:
>> Cash and Check Handling: Check Cashing, Deposit Taking, Cash Transfer
>> Multi-level marketing, financial pyramid selling or Ponzi schemes, matrix programs or other “get rich quick” schemes
>> Unlicensed or illegal lotteries, gaming or gambling services (including without limitation the use of or participation in illegal gambling houses)
>> Any industry known to be an illegal industry in its local jurisdiction, in the UK or in Lithuania
>> Illegal Drugs and Narcotics, including Cannabis in all forms, Drug paraphernalia
>> Items which encourage or facilitate illegal activities
>> The sale or distribution of stolen goods (including digital and virtual goods), counterfeit goods and violation of intellectual property, or items that violates individual privacy (revenge porn), Satellite and cable TV descramblers
>> Operating a business that requires a license or special permit without obtaining such license
>> Production of Violent content, material which incites violence, hatred or racism
>> The sale of Nutra – off the counter and/or prescribed medicine
>> Production or Distribution of Offensive Weapons: Ammunition, Firearms, Explosives, Complex Weapons (i.e. guided missiles), Poisons
>> Psychic services
>> Selling, hosting, distributing, producing or promoting offensive materials, including materials that incites or promotes racial hatred or discrimination based on gender, race, religion, national origin, physical ability, sexual orientation, or age
>> Transactions involving Human Organs
>> Prepaid debit cards or other stored value cards that are not associated with a particular merchant and are not limited to purchases of particular products or services
>> Unregistered charity services
>> Timeshares or property reservation payments (On and Off Plan)
>> Sanctioned individuals and entities
10.2. It is strictly forbidden to make payments to or to receive payments from persons or entities offering illegal gambling services, including (but not limited to) illegal sports betting, casino games and poker games. We may suspend or terminate your WLT Account at any time or refuse to execute or reverse a transaction if we believe that you directly or indirectly use or have used your WLT Account for or in connection with illegal gambling transactions. Countries where online gambling is illegal include the United States of America, Turkey, China, Malaysia and Israel. This list is not exhaustive, and it is your responsibility to ensure that you do not use our services for transactions that may be considered illegal in your jurisdiction.
10.3. You may not use our services if you are residing in any of the following countries: Afghanistan, Cuba, Iran, Iraq, Ivory Coast, Liberia, Myanmar, North Korea, North Sudan, Somalia, South Sudan, Syria or Yemen. This list is not exhaustive, and we may in our sole discretion decide to discontinue or restrict our services in other countries at any time and without prior notice. We reserve the right to suspend or terminate your WLT Account at any time if we reasonably believe to be required to do so by law or in order to comply with recommendations issued by a relevant government authority or recognized body for the prevention of financial crime.
10.4. It is strictly forbidden to use your WLT Account for any illegal purposes including but not limited to fraud, terrorism and money laundering. We will report any suspicious activity to the relevant law enforcement agency. You are prohibited from using your WLT account in an attempt to abuse, exploit or circumvent the usage restrictions imposed by a merchant on the services it provides.
10.5. You may only accept payments for certain categories of business after approval from us in our sole discretion. Such business categories include but are not limited to:
>> money exchange or remittance businesses, including but not limited to bureaux de change, currency exchanges and purchase of travel money;
>> the collection of any form of donations or payments to charitable or notfor-profit organizations;
>> dealing in natural resources such as jewels, precious metals or stones;
>> live streaming;
>> the sale or supply of alcoholic beverages;
>> the sale of supply of dietary supplements and alternative health products;
>> any other business category published in an acceptable use policy on the Website from time to time.
10.6. If you conduct or attempt to conduct any transaction in violation of the prohibitions contained in this section or without the necessary approval under paragraph 10.5, we reserve the right to:
>> reverse the transaction; and/or
>> close or suspend your WLT Account; and/or
>> report the transaction to the relevant law enforcement agency; and/or
>> claim damages from you; and
>> charge you an administration fee in case we apply any of the above.
10.7. It is your and not our responsibility to ensure that you only send Payments to or receive Payments from persons or entities for the sale or supply of goods and services that you may provide or receive in compliance with any applicable laws and regulations. The mere fact that a person or entity accepts Payments through us is not an indication of the legality of the supply or provision of their goods and services. If you are in doubt as to the legality of a supply or purchase, you should not continue with your Payment.
11.1. You can request a withdrawal of all or part of the funds held in your WLT Account at any time. To do this you must log into your WLT Account and select a withdrawal method and enter the amount to be withdrawn. Withdrawal methods are Payment Services provided, at least in part, by third party financial institutions (for example, the bank where you hold a bank account). We do not guarantee the availability of any particular withdrawal method and may make changes to or discontinue a particular withdrawal method at any time without following the procedure set out in section 17 as long as there is at least one withdrawal method available to you. Where the withdrawal payment is received by you through the involvement of a Payment Service provider (such as the bank where you hold a bank account), we shall not be responsible for the withdrawal payment once the withdrawn funds are received by your Payment Service provider.
11.2. Your WLT Account is subject to withdrawal limits. These limits are adjusted dynamically depending on the type of identification documentation we hold on you. You can view your withdrawal limits at any time in your WLT Account profile. Before uploading any funds into your WLT Account, you must ensure that your current withdrawal and spending limits meet your withdrawal and spending requirements as we legally cannot allow you to exceed these limits.
11.3. If your withdrawal request exceeds the current limit, we may decline your request and instead require you to send us documents verifying your identity and address prior to allowing a withdrawal of funds or to otherwise cooperate with us to verify your identity.
11.4. Withdrawals are subject to withdrawal fees and currency conversion fees depending on which withdrawal method and payment instrument is chosen. Please see section 12 for details.
11.5. For the purposes of a withdrawal transaction, we are a payer and not a Payment Service provider.
11.6. You must not make a withdrawal to a bank account or other payment instrument if you are not the named holder. We take any violation of this requirement very seriously and will treat any attempt to use a payment instrument of which you are not the named holder as a fraudulent act. Without prejudice to claiming further damages, if we are required to investigate a withdrawal to a payment instrument that is not in your name, we may charge an administration fee.
11.7. You must ensure that the payment details you enter when withdrawing funds are correct and complete. We will not be liable for withdrawn funds being sent to the wrong payment instrument where this is due to you providing incorrect payment details. When withdrawing to a bank account, you must ensure that the account number, sort code, IBAN and/or BIC/SWIFT are correct. If you have withdrawn funds to the wrong payment instrument, you may request that we assist you in reclaiming the funds, however, we will charge you an administration fee for doing so and we cannot guarantee that the reclaim efforts will be successful nor assume any liability thereof.
12.1. WLT shall charge depending on whether you are using your WLT Account for personal or commercial purposes.
12.2. Transaction related Fees can be viewed at any time in the "Fees" section of our Website.
12.3. For every currency conversion, we will apply our current wholesale exchange rates which are available online in the Currency Conversion Fees section of the "Fees" page and which are updated on a regular basis throughout the day. Changes in these exchange rates may be applied immediately and without any notice. In addition, we will apply a foreign exchange fee, which is also displayed in the "Fees" section of the Website and which is expressed as a percentage applicable in addition to the transaction fee.
12.4. Our Fees are either expressed as a percentage of the transaction or as a fixed amount in EUR or other currency as determined on WLT website. Where fixed fee amounts are displayed in a currency other than EUR, this is for information purposes only. If Fees are deducted from a balance or a transaction denominated in a different currency, the EUR fee amount will be converted into an equivalent fee in that other currency based on the WLT wholesale exchange rates applicable at the time and available under the "Currency Conversion Fees" section of the "Fees" section and then deducted. We will not apply a foreign exchange fee on currency conversions of Fees.
12.5. Fees payable by you will be deducted from your WLT Account balance and you hereby authorize us to do the same. Transaction fees will be charged when the transaction is executed. If your WLT Account balance is insufficient to cover the Fees, we may refuse to execute the payment. Reversal or chargeback fees will be deducted when incurred.
12.7. No interest shall be paid on the balance in the WLT Account.
12.8. Your transactions may be subject to currency conversions. If you make a payment from your WLT Account denominated in one currency to a WLT Account denominated in another currency, you will be asked to either make the payment in the currency of your WLT Account or in another currency. If you choose the currency of your WLT Account, then the recipient will pay the fee for the conversion into the currency of his or her WLT Account. If you choose the currency of the recipient's WLT Account, you will pay the fee for the currency conversion into the currency of the payment. If you choose a currency that is neither the currency of your WLT Account nor the currency of the recipient's WLT Account then you will pay the fee for the conversion into the currency of the payment, and the recipient will pay the fee for the conversion of the payment currency into the currency of his or her WLT Account.
12.9. We shall have the right to unilaterally change the Fees specified above.
12.10. We shall notify you about the changes (e.g. increase of the transaction fees) which worsen your situation in writing or using other media no later than 60 calendar days in advance of the enforcement of such changes. We shall have the right to notify you about the changes which do not worsen your situation disregarding the time limits established above in this paragraph. Establishment of new fees regarding transactions for new services shall not be treated as the worsening of your situation. The notice regarding changes shall be delivered personally or by way of publishing (e.g. on the Website), unless legal acts specify otherwise. A notice communicated by the way of publishing shall be considered as due notification of you of the unilateral change in the Fees.
12.11. You may agree or disagree with such changes prior to the proposed enforcement date of such changes.
12.12. It shall be considered that you agree with such changes and they shall enter into force on the specified enforcement date, if prior to the day of their enforcement you do not notify us of his disagreement with the changes.
12.13. If you disagree with the aforementioned changes proposed by us, you shall have the right to terminate the contractual relationship with us which is directly related with such changes by notifying us in writing prior to the day on which the application of such changes.
14.1. You must take all reasonable steps to keep your WLT Account password safe at all times and never disclose it to anyone. Our personnel will never ask you to provide your password to us or to a third party. Any message you receive or website you visit that asks for your password, other than the WLT Website or a WLT payment gateway on a merchant website, should be reported to us. If you are in doubt whether a website is genuine, you should contact Customer Service. It is advisable to change your password regularly (at least every three (3) to six (6) months) in order to reduce the risk of a security breach in relation to your WLT Account. We also advise you not to choose a password that is easily guessed from information someone might know or gather about you or a password that has a meaning. You must never allow anyone to access your WLT Account or watch you accessing your WLT Account.
14.2. If you have any indication or suspicion of your WLT Account, login details, password or other security feature being lost, stolen, misappropriated, used without authorization or otherwise compromised, you are advised to change your password. You must contact Customer Service without undue delay on becoming aware of any loss, theft, misappropriation or unauthorized use of your WLT Account, login details, password or other security features. Any undue delay in notifying us may not only affect the security of your WLT Account but may result in you being liable for any losses as a result. If you suspect that your WLT Account was accessed by someone else, you should also contact your local police and report the incident.
14.3. We may block you WLT Account and / or payment instrument:
14.3.1. For objectively justified reasons relating to the security of funds available on the WLT Account and/ or security of the payment instrument, suspected unauthorized or fraudulent use of funds available in the WLT Account.
14.3.2. In the event of your default on the terms and conditions of the Agreement;
14.3.3. Where we find out that the payment instrument has been stolen or lost in any other manner, suspect or obtain information about illegal acquisition of the payment instrument or unauthorized use thereof as well as about the facts or suspicions that personalized security data of the payment instrument has become known or might be used by third parties, or where we have reasonable suspicions that funds available in the WLT Account and / or the payment instrument might be illegally used by third parties or that the WLT Account and / or the payment instrument might be or has been used for illegal activities;
14.3.4. In the cases provided for by the legal acts of the Republic of Lithuania.
14.4. In the cases provided for in paragraph 14.3., we shall notify you in the manner specified in paragraph 21. about the blocking of the WLT Account or payment instruments and about the reasons for such blocking, doing our best to notify you before the blocking and no later than immediately after the blocking, except in the cases when the provisions of such information would impair the safeguards or is prohibited by legal acts.
14.5. The WLT Account and / or the payment instrument shall be blocked at your initiative when you submit the respective request to us in written or any other manner provided in the section 21. We shall have the right to require that your verbal request to block the WLT Account and / or payment instrument later is confirmed in written or in any other manner acceptable to us. If you request to block the WLT Account and / or payment instrument is given to us verbally, we for the purpose of identification of the person submitting such request shall have the right to ask him questions about your details available to us. If we have reasonable doubts that the aforementioned request was submitted not by you might arise from the non-fulfilment of the aforementioned request.
14.6. We shall cancel the blocking of the WLT Account and / or the payment instrument when the reasons for the blocking cease to exist, when the blocking was initiated by you, and when we receive your respective written request. We shall have the right to replace the blocked payment instrument by a new one.
14.7. We shall not be held liable for your losses incurred as a result of blocking of the WLT Account and/ or the payment instrument ad shall not pay to you the penalty, where such blocking has been performed in observance of the procedure established.
14.8. You must take all reasonable care to ensure that your e-mail account(s) are secure and only accessed by you, as your e-mail address may be used to reset passwords or to communicate with you about the security of your WLT Account. In case any of the email addresses registered with your WLT Accounts are compromised, you should without undue delay after becoming aware of this contact Customer Service and also contact your e-mail service provider.
14.9. Irrespective of whether you are using a public, a shared or your own computer to access your WLT Account, you must always ensure that your login details are not stored by the browser or cached or otherwise recorded. You should never use any functionality that allows login details or passwords to be stored by the computer you are using.
14.10. Additional products or services you use may have additional security requirements and you must familiarize yourself with those as notified to you.
Notifications regarding unauthorized or incorrectly executed payment transactions.
14.11. You must, at least once a month, check the information about payment transactions executed in you WLT Account. In the case of any incorrect or misdirected payment, we shall take reasonable measures to assist you with tracing and recovering such payments.
14.12. You must notify us of unauthorized or incorrectly executed payment transaction as well as any other mistakes, inconsistencies or irregularities in the statement. The notification must be submitted immediately (within 5 (five) Business Days of finding out about the circumstances mentioned in this paragraph) and in any case no later than within 13 (thirteen) months after debit date.
14.13. Where you fail to notify us of unauthorized or incorrectly executed payment transactions within the time limit established above, it shall be considered that you have unconditionally confirmed payment transactions executed in your WLT Account.
14.14. At your request, if you have notified us of unauthorized use of the payment instrument, submitted no later than within 18 (eighteen) months of the submission of such notification, we shall provide in writing or in other durable medium the confirmation of the time of the receipt of such notification.
15.1. If the contractual conditions are violated by you or us, the aggrieved party shall be entitled to compensation for damage based on the applicable legal acts, unless the other party proves that the obligations have been violated in circumstances excluding liability, legal facts referring to extraordinary, unpredictable and independent event that has caused damage (unless the Agreement stipulate expressly otherwise).
15.2. Circumstances excluding our liability comprise the following events: civil unrest in various forms, fire, flood, terrorist attack, or hacker attack; power supply outage (full or partial); interruption, outage or disruption in computer system operation (hardware or software) or in communication services on your side or third parties or by you or third parties; any technical breakdown on your side in communication with us; any other extraordinary event, catastrophe, or extraordinary restrictions or instructions making it impossible to obtain the necessary permits in time, which directly or indirectly relate to the individual performances under the Agreement; or any other obstacle occurring independently of our will and preventing us from discharging our obligations. Your liability for unauthorized use of the payment instrument and liability of the us for unauthorized payment transactions
15.3. When you are consumer or a natural person engaged in economic-commercial or professional activities and you deny that you have authorized the executed payment transaction or claims that the payment transaction was executed incorrectly, we shall have the duty to prove that the payment transaction was authenticated, properly registered, entered into accounts and was not affected by technical or other failures or other irregularities of the service provided by the us.
15.4. Upon receipt of a respective notice from you within time limits specified above or having established that the payment transaction has not been authorized by you, we shall, without undue delay, but no later than by the end of the next Business Day, return you the amount of such unauthorized payment transaction and restore the balance of the WLT Account from which the amount was debited which could have existed if such unauthorized payment transaction would not have been executed, unless we have reasonable grounds to suspect fraud. The notice referred to in this paragraph shall be submitted by 4:30 pm of our Business Day. The notice submitted after this hour shall be considered to be received on the next Business Day.
15.5. Where you are a consumer, or a natural person engaged in economic-commercial or professional activities, you shall bear the losses relating to unauthorized payment transactions up to EUR 50 (fifty euro), where such losses are incurred as a result of:
15.5.1. the use of a lost or stolen payment instrument;
15.5.2. the misappropriation of the payment instrument.
15.6. Where you are a consumer, or a natural person engaged in economic-commercial or professional activities, you shall not incur any losses related to payment transactions in the following cases:
15.6.1. prior to the execution of the Payment Transaction, the Client could not notice the loss, theft or misappropriation of the Payment Instrument, unless the Client has acted unfairly;
15.6.2. losses are incurred due to acts or omissions of the Company, its employee, agent, branch or persons to whom the exercise of functions has been transferred.
15.7. You shall bear all losses relating to unauthorized payment transactions, if such losses were incurred because of your failure to fulfil one or several duties specified in paragraphs 15.5 - 15.6 due to fraudulent or deliberate acts or gross negligence. In such case maximum amount referred to in section 15.5 shall not apply.
15.8. When you furnish us with the notice referred to in paragraph 14.12, we shall compensate for your losses resulting from lost, stolen or misappropriated payment instrument, with the exception of the cases when you acted fraudulently and the case mentioned in paragraph 14.5 when we are not held liable for loses resulting from the refusal to fulfil your request to block the WLT Account and / or the payment instrument.
15.9. We shall not be held liable for additional costs or indirect losses (lost income, profit, etc.) incurred by you and related with non-executed or incorrectly executed payment transaction. We shall be held liable only for your direct losses arising through our fault.
15.10. We shall not be held liable for mutual claims of the payee and a payer and shall not settle such claims. You may lodge to us only such claims which are related to the non-fulfilment or inadequate fulfilment of our obligations.
15.11. We shall not be liable to you, any Merchant or third party for any indirect or consequential losses including but not limited lost revenue, lost profits, replacement goods, loss of technology, rights or services, incidental, punitive, indirect or consequential damages, loss of data, or interruption or loss of use of service or of any equipment or materials, even if advised of the possibility of such damages, whether under theory of contract, tort (including negligence), strict liability or otherwise. We shall not be liable for any losses arising from our compliance with legal and regulatory requirements.
15.14. We shall not be liable for the assessment or payment of any taxes, duties or other charges that arise from the underlying commercial transaction between you and another WLT customer.
16.1. A contractual relationship between you and us may be terminated in the following ways:
16.1.1. by mutual agreement;
16.1.2. upon expiration of the period for which the Agreement was concluded if the Agreement was concluded for a definite period;
16.1.3. by withdrawal from the Agreement for legally justified reasons;
16.1.4. if you (legal person) or we are dissolved without a legal successor or you (a natural person) die;
16.1.5. upon expiry of our license to provide Payment Services;
16.1.6. for reasons and on the conditions specified below by you or us.
16.2. We may terminate your WLT Account, or any Payment Service associated with it by giving you 60 (sixty) days' prior notice.
16.3. You may terminate your WLT Account by notifying us with a written notification of the termination no later than 30 (thirty) calendar days in advance of its termination. If you are a consumer, upon terminating the Agreement concluded for a term longer than 6 (six) months or for an unlimited term, on expiry of 6 (six) months of its conclusion, you do not have to pay any Fee. Different termination provisions may apply if you use your WLT Account for commercial purposes as set out in section 3.8 above.
16.4. You have to pay the regular Fee charged for the services proportionately until the day of termination of the Agreement. If the Fee was paid in advance, we will refund it to you proportionately.
16.5. Together with a termination notice or at any time thereafter we may give you reasonable instructions on how to withdraw remaining funds.
16.6. We may at any time suspend or terminate your WLT Account without notice in case:
16.6.1. you violated the provisions of the Law on the Prevention of Money Laundering and Terrorist Financing regarding the prevention of money laundering and/or the countering terrorist financing or otherwise deliberately used the basic payment account for illegal purposes; or
16.6.2. you provided incorrect information in order to obtain WLT Account;
17.2. We may give notice to you of any proposed change by writing or other sending an email to the primary e-mail address registered with your WLT Account or by posting a clear notice on our website or on your WLT Account login page or by using another durable medium.
17.5. It shall be considered that you agree with such changes and they shall enter into force on the specified enforcement date, if prior to the day of their enforcement you do not notify us of your disagreement with the changes.
17.6. If you disagree with the changes proposed by us, you shall have the right free of charge to terminate the Agreement which is directly related with such changes, by notifying us in writing or using Customer Service prior the day on which the application of such changes.
18.1. You must keep technical and commercial information secret, except for publicly available information, which is known to you, and not transfer it to third parties without a written consent from us.
18.2. You agree for us (as data controllers) to manage your Personal data with the following purposes:
18.2.1. to provide Payment Services;
18.2.2. to provide service-related information you request;
18.2.3. for marketing purposes, e.g. providing customized advertisements and sponsored content and sending promotional communications; assessment and analysis of our market, clients, products and services (including asking for your opinions on our products and services, carrying surveys, running competitions or promotions, as permitted by law). You may opt out of direct marketing communications from us at any time. If you prefer not to receive our direct marketing communications, you should inform us by contacting Customer Service.
18.2.4. to understand the way people, use our online services so that we can improve them and develop new content, products and services;
18.2.5. to protect our interests before any court or any other institution;
18.2.6. otherwise with your consent.
18.3. We shall take all reasonable measures to guarantee security of Personal data received. We may disclose Personal data to the following entities:
18.3.1. companies that provide services for us;
18.3.2. banks / companies that provide payment services;
18.3.3. companies assisting with organizing competitions/games/promotions;
18.3.4. other carefully selected business partners;
18.3.5. other parties, when so required under law or necessary in order to protect our legitimate interests.
18.4. The period of storage of Personal data related to Payment is 10 (ten) years from the relevant payment transaction, except when the legislation requires a longer period of data storage. Personal data not related to payment transactions shall be kept for the period of 3 years. After the period of Personal data processing expires we destroy Personal data at its possession.
18.5. You undertake to protect and not disclose any passwords, created by it or provided to it under the Agreement, or other personalized security features of payment instruments to third persons and not to allow other persons to use services under your name. If you have not complied with this obligation and / or could but have not prevented it and / or performed such actions on purpose or due to own negligence, you fully assume the loses and undertake to reimburse the loses of other person incurred due to your actions indicated or your failure to act.
18.6. In the event of loss of WLT Account password or other passwords by you or the password/ passwords are disclosed not due to your or our fault, or in case of a real threat has occurred or may occur to your WLT Account, you undertake to change the passwords immediately or, if you do not have a possibility to do that, notify us thereof immediately (not later than within one calendar day). We shall not be liable for consequences that have originated due to the notification failure.
18.7. After we receive the notification from you as indicated in the paragraph 18.6, we shall immediately suspend access to your WLT Account and provision of services until a new password is provided/created for you.
18.8. The email linked to the WLT Account and also other instruments, which under your choice are linked to WLT Account, are used as instruments for communication or identification of you, therefore, these instruments and logins to them shall be protected by you and any changes of the email and instruments must be reported to us within 3 calendar days. You are completely responsible for safety of its email passwords and all the other instruments used by it and their login passwords. Passwords are secret information, and you are responsible for its disclosure and for all operations performed after the password used by you for a relevant account or another payment instrument is entered. We recommend memorising passwords and not to write them down or enter in any instruments where they may be seen by other persons and to change passwords frequently (e.g. once in a few months).
18.10. We have the right or a statutory obligation to transmit all collected important information (including Personal data) about you, your representatives and their activity to law enforcement institutions, state authorities (State Tax Inspectorate (VMI), Social Insurance Fund (SODRA), Financial Crime Investigation Service), and other financial institutions as well as supervisory authorities, if such duty is determined by the legislation, and in order to identify whether this Agreement and relevant legislation have not been or will not be violated.
18.11. We have the right to record digital conversations with you (over the phone, Skype or other remote ways). Telephone conversations and messages transferred via mail, email and other telecommunication instruments may be deemed evidence when settling disputes. By the Agreement you confirm that you have been informed about making records of any telephone conversations with you or your representatives. You also have the right to record and store telephone conversations and other correspondence.
19.1. You are authorized to view, copy and print the materials appearing on Website, subject to the following:
19.1.1. the materials may be used for internal and non-commercial purposes only and you may not copy, distribute, modify, transmit, reuse, repost or otherwise display the content on the Website for public or commercial purposes;
19.1.2. You may not use Website or any related services for any purpose that is unlawful, or conduct any other activity that creates a liability for us or otherwise may harm us;
19.1.3. You may not use any device, software or action, including but not limited to, bots, spiders, viruses, Trojan horses, worms or time bombs, designed to damage or otherwise interfere with the Website or to intercept or expropriate any system, data or personal information contained on the Website. You will not use the Website or related services for chain letters, junk mail, or spamming;
19.1.4. We reserve the right to reject hard copies of forms or material printed from this Website. We agree to be bound only by the provisions as they appear on the Website and will not be bound by any agreement that has been altered, modified, or amended;
19.1.5. We may immediately terminate any or all of your rights to use this Website at any time for any reason or no reason whatsoever.
20.1. Disputes shall be settled by way of negotiations. In the event of the failure to settle disputes by way of negotiations, they shall be settled before courts of the Republic of Lithuania in accordance with the procedure set out by laws of the Republic of Lithuania. If your address is outside the Republic of Lithuania and you are not a consumer the disputes not settled by way of negotiations shall be adjudicated in accordance with the procedure established by laws of the Republic of Lithuania before a competent court of Vilnius City according to the domicile of the Company.
20.2. Any complaints about us or the services we provide should be addressed to us in the first instance by contacting Customer Service. You must submit a written request to the Customer Service stating the circumstances of the dispute and his claim in maximum detail. You must apply to the Customer Service no later than within three months of the day on which he becomes or should have become aware of the infringement of your rights or legitimate interests. You should clearly indicate that you are wishing to make a complaint to us. This helps us to distinguish a complaint from a mere query. We send you a complaint acknowledgement by post or by e-mail within 48 hours of receiving your complaint in accordance with our complaint's procedure. You may request a copy of our complaints procedure at any time by contacting Customer Service.
20.3. We shall examine the written request and, no later than within 15 (fifteen) Business Days of the day of the receipt of the request, unless a different deadline is established by laws or other legal acts, shall provide detailed, reasoned and documented answer in writing or using any other durable medium. If due to reasons that are out of our control the answer cannot be provided within 15 (fifteen) Business Days, we shall provide a non-exhaustive answer within this time limit and shall state the reasons for the late answer and the time limit within which you will receive the answer and which, in any case, shall not exceed 35 (thirty-five) Business Days.
20.4. Claims shall be handled, and disputes shall be settled free of charge.
20.5. If you, who according to the laws should be considered as a consumer, are not satisfied with our answer or have not received the answer within the time limit specified in above, shall have the right to within 1 (one) year of the day of addressing to us, to submit a request to the out-of-court disputes settlement institution - the Bank of Lithuania - in accordance with the procedure set out by the Law of the Republic of Lithuania on the Bank of Lithuania and the Law of the Republic of Lithuania on Consumer Protection (address: Žirmūnų str. 151, LT- 09128 Vilnius, Lithuania, e-mail: firstname.lastname@example.org, internet website: www.lb.lt ).
21.2. Communication between us and you is possible in the following forms:
21.2.3. Mail (post).
21.3. Any communication between us and you shall take place primarily through e-mail. For this purpose, you must at all times maintain at least one valid e-mail address in your WLT Account profile. You are required to check for incoming messages regularly and frequently. E-mails may contain links to further communication on our Website. Any communication or notice sent by e-mail will be deemed received by you on the same day if it is received in your e-mail inbox before 4.30 pm on a Business Day. If it is received in your email inbox after 4:30 pm on a Business Day or at any other time, it will be deemed received on the next Business Day.
21.4. In case of communication through the post, letters are delivered to your address. Letters are considered delivered on the third day from the date of posting for Lithuanian post or within five days of posting for international post. Any communication or notice sent by SMS will be deemed received the same day.
21.5. If you are a legal person, you shall be obliged to notify us without a delay of any change in your registered office address, e-mail address, telephone number, change in the list of persons authorised to act on your behalf, or event that may affect the discharge of obligations to us (initiation of change of ownership, bankruptcy, restructuring, foreclosure, liquidation, or criminal proceedings, etc.). In case you are a natural person, you shall be obliged to notify us without a delay of any changes in your residence address, e-mail address, telephone number or event that may affect the discharge of obligations to us (personal bankruptcy, criminal proceedings, etc.).
21.6. If our contact details change we will inform you immediately. You must also immediately inform us about changes in your contact details. At our request, you must furnish the respective documents supporting the change of your contact details. If this requirement is not fulfilled, the information communicated on the basis of the most recent details specified to us, it shall be deemed as duly sent and any obligation fulfilled on the basis of such details - duly discharged. You must inform about changes of your contact details by way of publishing. With a view to protecting your funds against illegal acts of third parties you must also immediately notify us in written about the theft or other loss of his personal identification document.
21.7. Where legislation requires us to provide information to you in a paper format or on a durable medium, we will either send you an e-mail (with or without attachment) or send you a notification pointing you to information on our Website in a way that enables you to retain the information in print format or other format that can be retained by you permanently for future reference. You are required to keep copies of all communications we send or make available to you.
21.9. In order to view e-mails, you need a computer with e-mail software that can display emails in HTML format. We may also send you attachments in Adobe Systems Inc.'s Portable Document Format (PDF)©, for which you need Adobe's Acrobat Reader, which can be downloaded for free at www. adobe.com.
21.10. We will never send you any e-mails with executable files attached or with links to any executable files. If you receive any e-mail with such attachments, you should delete the message without clicking on the attachment. If you are unsure whether a communication is originating from us, please contact Customer Service.
22.3. Any fees or other obligations incurred to us or you in connection with the discharge of obligations under the Agreement and these Terms shall be paid by each party separately as they incur to them, unless agreed otherwise.