These Terms and Condition constitute the business conditions of Money plus Card Payment Institution Limited, trading as Money+Card, trading as Epayzz, with registered office at 19 St Mark Street, Valletta, VLT 1362 Malta, Company registration No. C 71597. Money plus Card Payment Institution Limit is regulated by The Malta Financial Services Authority as a Financial Institution.
These Terms and Condition set out the rights and obligations resulting from a contractual relationship established between Money plus Card Payment Institution Limited and its Customers, and are binding for all the parties. These Terms and Condition provide a framework for the establishment of a contractual relationship between Money plus Card Payment Institution Limited.
These Terms and Conditions, our Privacy Policy, Terms of Website Use and other terms constitute the entire Agreement between you and the Institution.
Agreement: means the legal agreement between you and the Institution, it includes the Terms and Conditions, Privacy Policy and any additional terms and conditions for other services as are notified to you from time to time.
Business Day means any working day on which the Institution is open for business in Malta (excluding Saturday, Sunday and Public Holidays) and, where in relation to execution timeframes in respect of a payment to an account with another financial institution, a day on which the payee's financial institution is also open for business.
Clearing Network shall mean an electronic clearing system in which payment transactions are exchanged among financial institutions, e.g. SEPA, SWIFT, etc.
Customer ID means a unique identification number given to every Customer holding a private payment account with Money plus Card Payment Institution Limited.
Customer Service means the customer service at The Customer Service is available in Business Hours.
Data Protection Legislation: means Data Protection Act under Chapter 440 of the Maltese Law and other subsidiary legislation applicable in Malta. It also includes the Electronic Communications Networks and Services Regulations under subsidiary legislation 399.28 of the Maltese Law and The Privacy and Electronic Communications (EC Directive) Regulations 2013.
GDPR means The General Data Protection Regulation (GDPR) (EU) 2016/679 is a regulation in EU law on data protection and privacy for all individuals within the European Union (EU) and the European Economic Area (EEA)
Force Majeure means any event which is outside our reasonable control, including the unavailability or faulty performance of communication networks or energy sources, any act of God, any act or omission of governmental or other competent authority, fires, strikes, industrial dispute, riots, war, civil unrest, revolution, act of terrorism, inability to obtain materials, embargo, refusal of license, theft, destruction, denial of service attacks, unauthorized access to computer systems or records, programs, equipment, data, or Services, breakdown of plant or machinery, flood or other adverse weather conditions.
Institution means Money plus Card Payment Institution Limited.
Intellectual Property means patents, registered designs, trademarks, service marks, design rights and database rights (whether registered or otherwise), applications for any of the foregoing, copyright (including copyright in source code, object code, procedures manuals and related documentation), know-how, trade or business names and other similar right’s or obligations, whether registered or not in any country (including Malta) and all rights of a similar or corresponding character subsisting anywhere in the world.
Limits mean the transaction, service, lodgement, payment and withdrawal limits set by the Institution at its sole discretion as provided for in section 6.
Mobile Device means any computing device such as a smartphone, laptop or notebook.
Password: means the eight (8) alphanumeric characters, one capital letter, one small letter, and one number security code needed to access the Payment Account.
Payment Request means an instruction from Money plus Card Payment Institution Ltd user requesting payment to another Money plus Card Payment Institution Ltd User(s).
Personal Data means data relating to a living individual who is or can be identified either from the data; or from the data in conjunction with other information that is in, or is likely to come into, the possession of the data processor.
Privacy Policy means the Privacy Policy set out on the website of the Institution which sets out how it collects, uses and shares Personal Data.
Payment Account means a payment account opened in Customer’s name or in the Customer’s company name. The Customer is entitled to carry Transfer of financial funds from the Payment account in accordance with the rules required by the Money plus Card and within the scope within defined by the agreement.
Private Customer means you the person who holds a Private Payment Account.
Private Payment Account means one or more Private Payment Account(s) provided by us used to access the Services.
Security Details mean your Customer ID, Password, and random verification code.
Services mean the services provided in accordance with the terms of this Agreement. The list of services is available on our website.
Terms and Conditions mean the terms and conditions for Payment Accounts as set out in this document and as amended from time to time.
User(s) mean each individual authorised to access the Payment Account.
Business means a legal entity that has a Corporate Payment Account with Money plus Card Payment Institution Limited
Corporate Payment Account(s) means one or more Corporate Payment Account(s) provided by the Institution that are used to access the Services.
Profile means all personal, entity and contact information relating to the Customer.
You , means you the Customer.
We or us mean Money plus Card Payment Institution Limited.
Website means our website available at www.epayzz.com and www.moneypluscard.com.
Money plus Card Payment Institution Limited is regulated by the Malta Financial Service Authority (located at Notabile Road, Attard, BKR3000, Malta), as a Financial Institutions licensed to undertake payment services under the 2nd Schedule to the Financial Institutions Act Cap 367. Our registered office is at 19, St Mark Street, Valletta, VLT 1362, Malta and our company registration number is C 71597.
The funds in your Payment Account are segregated at all times from the Institution’s assets which will neither invested nor lend it to third parties nor used for the Institution’s operating purposes.
Eligibility for opening a Private Payment Account
Any natural person, who must be at least 18 years of age, and have full legal capacity to enter into a contract of this nature in the country of residence may be eligible to open a Private Payment Account
The Institution reserves the right to amend these eligibility criteria from time to time, without notice. The Institution also reserves the right to refuse the opening of a Private Payment Account. In order to open a Private Payment Account, you must complete the account opening procedure set out on the Institution’s Website. To comply with applicable anti-money laundering legislation, you are requested to provide certain documents and information about your identification and usage of the account
We reserve the right to request additional information and documentation we believe is necessary to continue to meet our statutory obligations at any time both during the account opening and also during all the period which you hold a Private Payment Account with us. If you do not provide the information and documents we require, we have right to terminate our business relationship or we may restrict the functionality and Limits on your Private Payment Account. This information must be treated as strictly confidential and you must take all reasonable steps to keep it safe and secure
You can only use your Payment Account for your personal use. If it is determined that your Private Payment Account is being used for business purposes, we reserve the right to retrospectively apply appropriate fees and charges for all business-related activity and subsequently limit, block Payment account and/or terminate the contractual agreement with You
Any legal entity (being a company or partnership) may be eligible to open a Corporate Account which is a subject to our approval on a case-by-case basis. The Institution reserves the right to amend these eligibility criteria from time to time, without notice. The Institution also reserves the right to reject application of the opening of a Corporate Payment Account.
In order to open a Corporate Payment Account, the Business must complete the account opening procedure. Once a registration application has been completed, the Authorised User(s) can start accessing the Corporate Payment Account. At this stage, access is limited to viewing of the Business Profile and setting up the Security Detail. Accessing of any Services on the Corporate Payment Account requires the activation of the account that is created after the Institution carries out all the verifications as required by the Maltese Law.
The Account must comply with the Financial Institutions Act Cap Our registered office is at 19, St Mark Street, Valletta, VLT1362, Malta. The company and its Directors, partners or other responsible officers, beneficial owners and the authorised users. You are responsible for securing any permission required from an individual in relation to the use and retention of their Personal Data by us to open and operate the Corporate Payment Account. You can contact the Customer Service for details of the information we require
We reserve the right to request additional information and documentation we believe is necessary to continue to meet our statutory obligations at any time during which you hold a Corporate Payment Account with us. If you do not provide the information and documents we require, we have right to terminate our business relationship or we may restrict the functionality and Limits on your Corporate Payment Account
From time to time, the Services will be unavailable on certain occasions for essential maintenance. We make every effort to minimize any disruption to the Services during system maintenance and system upgrades, and all planned maintenance is scheduled outside of Business Hours.
If a service and product is provided under our partnership licence with other provider, card issuing banks and their support systems, they will be realized under separate Terms and Conditions
To comply with applicable anti-money laundering legislation, you are requested to provide certain documents and information about your identification and usage of the account.
All personal data will be processed, stored and protected according to the Data Protection Act, Chapter 440 of the Laws of Malta and EU General Data Protection Regulation – GDPR, Regulation 216/679/EU as set out in our Privacy Policy.
Where Money+Card is either unable to confirm Your identity, suspects the identity provided is false or is not satisfied that criteria for registration have been passed, the Service may be refused, suspended or terminated without notice.
You acknowledge that it is Your responsibility to provide Money+Card with Your current address details, phone number and email address and at all times maintain Your information to be current and valid and that You will immediately notify Money+Card if any information that You supplied changes. We reserve the right to ask for more information relating to Your Payment Account or source of funds (to comply with money laundering controls) at any time if the information is not provided when requested, prior to funds being transferred or You being given access to them.
We reserve the right to limit the usage of the Service and to either suspend or terminate the account and return the funds to you less any costs or liabilities.
You must complete all information requested by Us and pass all identity and security validation and verification checks.
You will supply to Us, on request, a specimen of Your signature. A signature substantially resembling the specimen will be sufficient for Money+Card to authenticate an instruction as being from You.
Anyone who identifies themselves by entering the correct login email and password is thus reasonably assumed by Money+Card to be the Registered Customer of a particular Payment Account and all Transactions so initiated will be accepted as valid and authorised by You in respect of the Payment Account.
We take no responsibility for You sharing Your login email and password with any third party. You are obliged to take all reasonable steps to maintain the security of Your Payment Account, including keeping safe Your login emails and passwords, and any other security information relating to the Payment Account.
If Money+Card deems it necessary, Money+Card reserves the right to require the email address and/or phone number of a beneficiary to whom You have instructed Us to transfer funds.
Instructions to make a payment from your Payment Account must be made to us.
Every payment should be authorised by you prior processed by us.
A payment order can only be cancelled or reversed by you prior being authorised by the Beneficiary Bank.
We will not be responsible for incorrect payments made if they are in accordance with any instruction given by you.
You must ensure that there are sufficient funds in the Payment Account to meet your requirements.
We do not provide credit.
There is no overdraft facility on the Payment Account.
We do not provide chequebooks or individual cheques.
We do not accept payments by cheque or cash deposits into a Payment Account.
Interest is not paid on amounts held in a Private Payment Account.
We may refuse to process a payment transaction and we may also block a specific transaction for security reasons.
If we do, unless law prohibits us we will give the User(s) requesting the transaction notice of the refusal or block by email.
We are not obliged to provide reasons for blocking or refusing of a payment.
You can contact the Customer Services should you have any queries about the status of a payment transaction.
The history of payments made from and to each Private Payment Account and the unique reference for each payment transaction is set out in the Transactions section of your Payment Account.
To facilitate the safe operation of the Private Payment Account we will set transaction and service Limits at our sole discretion and these may change without notice.
There is no overdraft permission on the Payment Account.
We may at any time in the future change the terms and conditions of this Agreement by publishing the proposed new terms and conditions and the date on which the proposed change will take effect (the ‘proposed date of change’) on the website.
You acknowledge and agree that You will regularly review the websites of Money plus Card Payment Institution Ltd for any amendments or variations to these terms and conditions.
If you object to the proposed change, you have the right to terminate your Agreement with us (and consequently close your Payment Account) before the proposed change comes into effect without incurring any charge.
To do so, you must give us written notice and email it to our Customer Service. You will however be responsible for all transactions and charges incurred by you up to the date this Agreement terminates.
Unless you object to the change we propose, the proposed change will take effect on the date identified in our communication to you and the terms of this Agreement will be amended accordingly.
Your continued use of your Payment Account following the effective date of the relevant changes to these Terms and Conditions will constitute your acceptance of the revised Terms and Conditions.
If a funds transfer is intended for the purchase of restricted and/or controlled items and/or substances and/or any prohibited or unlawful purpose, we can ask for evidence that You are authorised and/or have been given the authority to handle such items and/or substances and/or services.
We retain the right to refuse to provide the service to You if to do so may breach: any applicable law; order of a court; requirement of any regulatory or governmental authority, body or agency having jurisdiction over We; or if We otherwise considers such action necessary to protect its interests
We will wherever practicable notify You that we have done so and, unless we are prevented from doing so for some legal reason, we will explain why We has done so.
We will not send or receive funds if We has suspicion that the funds are for the payment of activities including, but not limited to, unlicensed lotteries, gambling services, gambling chips or gambling credits, tobacco products, prescription drugs, drugs and drug paraphernalia, firearms and ammunition, weapons and knives, satellite and cable TV descramblers, pornography and hardcore content or services, illegal government IDs and licences, pyramid selling services, services infringing intellectual property rights of a third-party, payments intended for a beneficiary from a website offering gambling services where it is strictly forbidden for citizens or residents of that country to receive such payments from such websites.
We will proactively de-activate any access to its systems to prevent organisations that support hatred, violence, or racial intolerance and block the same from future access to receive or send payments.
Communications between will be carried out primarily via e-mail or SMS text. You may contact us at any time through our Customer Service.
We are not liable to you, if due to circumstances beyond our reasonable control, communications are intercepted, delayed, corrupted, not received or received by persons other than you.
For the purposes of authenticated telephone communication, the Customer is obliged to authenticate its identity answering queries about the Customer’s data, upon its own discretion. The Customer, for the purposes of its identity confirmation, is obliged to submit these data.
E-mail communication is allowed to be sent expressly from the address stated in the Agreement and on the websites. We reserve the right, in every specific case to evaluate, and in every specific situation to assess whether the e-mail communication is sufficiently secured communication for a specific purpose.
Fees charged by Money+Card may change from time to time. Money+Card reserves the right to personally agree a fee with each Customer.
You will be informed of the fees applicable to a particular Transaction before you instruct Money+Card to execute the Transaction. Fees for online Transactions can be checked on the Money+Card websites.
You accept responsibility for and ultimately agree to pay the fee for each Transaction, any and all fees are due immediately. If You are unclear as to any fee, then You should contact Money+Card Customer Support at
You must pay for the amount to be transferred and the relevant fees by using wire transfer from the Customer’s Bank Account.
This Agreement shall operate for as long as Your Payment Account is open.
You may request closure of your Payment Account with us at any time by contacting our Customer Service in writing.
You must first withdraw the outstanding balance (if any). Once closed, your Payment Account cannot be reopened, but you can open a new Payment Account.
If You terminate the Agreement You will not be able to use the Service. If You have sent funds to Us, we will refund the amount less our costs and the cancellation charge, however if Money+Card has already paid the funds to the beneficiary then we will not reimburse You.
We may close the Payment Account or any part of the Service associated with it on giving you two months' prior notice.
If Your Payment Account has been dormant for 12 months then it might be closed and the Agreement will be deemed terminated by You.
We may at any time block the disposals of funds in a Payment Account without notice where we:
We can block the disposal of the funds in the Payment Account if it is agreed between you and us. You are obliged to inform us clearly, in writing, that the funds in your account are excluded or are not subject to enforcement of the decision or execution, and these facts must be shown by the relevant documents. Otherwise the Institution is not entitled to unblock the payment account and it is not responsible for damage possibly caused thereby.
We may suspend/block the Private Payment Account at any time if:
At all times, the Account is obliged to maintain the minimum level requested by the Institution in the payment account at all times. If for any reason, the balance is below the minimum level, the Customer should immediately rectify this situation. In case of default, the Institution has the right to block the account. Charges might apply for negative balance.
Prior to closure of your Payment Account, we will initiate the return of any funds in your Private Payment Account to a bank account held in your name (solely or jointly) through a SWIFT or SEPA Credit Transfer, in accordance with your instructions.
Money+Card can terminate this Agreement and/or suspend the service immediately without notice to You and without incurring any liability to You or any third party connected to for any loss caused to You if:
If Money+Card has to terminate any transaction it may (as well as for any other reasons set out in this Agreement which would allow Money+Card to do so) retain all or any of Your funds if required to do so by law and deal with Your funds as ordered by a Court or other body of competent jurisdiction.
In addition to the rights of Money+Card above, Money+Card shall have the right to close any contract by entering into an equal but opposite contract or, at its absolute discretion, by any other actions deemed necessary, or to terminate this Agreement in its entirety, in each case without any further liability for any loss or otherwise in the event of any of the following:
Where Money+Card terminates this Agreement and/or Service, Money+Card will produce a summary statement of Your net positionand Money+Card will be entitled to a full indemnity from You in relation to all costs incurred by Money+Card in reversing or otherwise terminating all contracts still subject to execution.
In case of termination of this Agreement and subsequent account closure, if your Money+Card Account holds a positive balance at the time of its closure, you are entitled to withdraw the remaining balance. The remaining balance has to be positive and sufficient to cover relevant fees associated with its withdrawal by a bank transfer or other available method.
In case of immediate Agreement and/or Service termination and subsequent Payment Account closure, you are entitled to withdraw your balance at the time of closure within a reasonable period of time. The remaining balance has to be positive and sufficient to cover relevant fees associated with its withdrawal by a bank transfer or other available method. You have to address to make a withdrawal request.
If you have not given any instruction to us about your balance withdrawal and/or withdrawn the remaining within 2 months starting from the notification by email to do so, Money+Card is entitled to charge a flat monthly fee of 20 Euros in order to maintain your funds available to you for withdrawal after the Account Closure.
In case you have not given to us any instructions or communicated with us by any means available regarding your funds within 6 months of the first notification by email, your balance might be charged an additional investigation fee to cover the costs of the recovery attempts of Payment Account owner.
We shall not be liable for any Underlying Transaction between you and the party receiving or making the relevant transaction. Unless the Contract or these Terms explicitly state otherwise, the injured party, in case of the breach of these terms by the other party, is entitled to compensation for the damage under Malta’s Commercial Code unless the other party proves that the breach of duty was caused by circumstances excluding liability.
The Institution is not liable for damage caused to the Customer due to incorrect, incomplete, inaccurate or misleading information, instructions or documents that the Customer (or authorised user) has provided to the Institution for achieving their rights under the Contract, or by failing to provide relevant information, instructions or documents on time. In such circumstance, the Institution will make all reasonable efforts to recover the funds involved in such transactions and it may charge its’ reasonable costs incurred in attempting to recover such funds.
The Customer shall be fully liable for the accuracy, completeness or timeliness of any information, instructions or documents provided to us by you. In accordance with Commercial Code the Customer declares/promises to replace any damages to us which result from the actions of the Customer in breach of the contract terms or omission of his acts, which were required, including any direct or indirect costs, expenses, penalties, fees or costs incurred in connection with the occurrence of such damage, its disavowal and/or application of the compensation for the damage suffered. The resulting damage, loss of profit, or all costs according to the previous sentence, are those that the Customer agrees to pay within 30 days of receipt of the written evaluating the damage/individual cost.
If the Institution, in error, debit or credit an incorrect amount to your Payment Account, the Institution will, on discovering the error, make any necessary correcting entry on the Payment Account without reference to you or the User(s). If there are insufficient funds in your Payment Account to make the correction, we shall notify you and you have to promptly repay such amount due.
The amount of damage compensation that the Institution undertakes to pay to the Customer for breach of contractual obligations is limited to the amount of all payments and charges paid by the Customer to the Institution at the date of damage.
We will not be liable for any failure, interruption or delay in the performance of our obligations under this Agreement, in whole or in part, if such delay or failure is due to an event that is a Force Majeure.
Money+Card will not be liable to You for any claim resulting from Your non-compliance in connection with any obligation You have under this Agreement.
Money+Card will not be liable for fraudulent instructions given by anyone posing as You.
Money+Card will not be liable for loss or damage to You or any third party caused or resulting from:
Money+Card will not be liable for loss or damage to You or any third party caused or resulting from:
We will not be liable for any charges or deductions made by a third party in the processing of Your payment.
We accept no responsibility for and will bear no liability in respect of any delay in onward payment, late arrival of funds or instruction of payment relating to the cut off times of any bank or such delay attributable to the bank or any other third party.
We will not be liable for any loss of Your funds due to a crash of any bank.
We will not be liable to You or any third party for any delay or non-performance of its obligations under this Agreement arising from any cause or causes beyond its reasonable control (force majeure circumstances) including, without limitation, any of the following: fire, flood, storm, Act of God, war, governmental act, explosion, civil commotion, riot, failure of computer equipment or communications systems, malfunction losses or delays in transmission in communications which might affect the accuracy or timeliness of a message You send to Money+Card, industrial dispute of a third party, strikes, lock-out and other industrial action, or any cause due to overseas correspondent banks, other banks or intermediaries handling the funds in accordance with the customs and practices of the locality where they transact business.
We will have the right to refuse to perform the Service without giving a reason. Money+Card will not be liable to You for any losses or damages suffered by You or those of any other party resulting directly or indirectly from such refusal.
We will not be liable to You arising out of any Transaction pursuant to this Agreement by reason of any cause including contract, negligence, tort, breach of statutory duty or otherwise save for direct loss caused by the negligence of Money+Card in performance of a Transaction.
Notwithstanding anything in this Agreement, in no circumstances will Money+Card be liable for special damages, loss of profits, goodwill, contract, business, anticipated savings, loss caused by the act, omission, failure or delay of any third party in the transmission, provision or delivery of any Service or any special, indirect, incidental or consequential loss regardless of the form of action (including loss or damage suffered by You as a result of an action brought by a third party) even if such loss was reasonably foreseeable or was or was not in the contemplation of the parties at the date of this Agreement or Money+Card was advised as to the possibility thereof.
The limitation and exclusion of liability for currency trade is set on the basis that You know that the foreign exchange market is volatile and if You did not this statement has drawn this fact to Your attention.
You are responsible for the confidentiality of the password and e-mail login which enables You to use the Account and services. When registering You will be required to choose a password and use a valid e-mail address as part of the login procedure. You are responsible for protecting Your login details and the confidentiality of Your password and for any activities that occur within
Your account under your Login User profile and password and You acknowledge full responsibility and indemnify us from Your negligence in its protection.
Furthermore You agree to immediately notify Money+Card by any means of communication of any unauthorised use of Your login user profile and password or any other breach of security.
After informing Institution that there has been an unauthorised use of Your login user profile and password, the Institution will take immediate steps to try to prevent these from being used.
It is your responsibility to keep your Mobile Device, login details (login, password and PIN) safe at all times.
If Your Mobile Device is lost or stolen, you should contact our Customer Service Team straight away. Any undue delay in notifying us may not only affect the security of funds held on your Payment Account but may result in you being liable for losses as a result.
If you know or suspect that someone else knows your login details, you should change your password/PIN and you must contact our Customer Service Team immediately. Any undue delay in notifying us may not only affect the security of your funds held on your Payment Account but may result in you being liable for any losses as a result. If you are in doubt whether a communication or request is genuine, you should contact our Customer Service Team.
If you suspect that someone else has accessed your Private Payment Account, or your password and PIN have been lost or stolen, you should also contact the relevant authorities and report the incident.
In case of an unauthorised payment or a payment that was incorrectly executed due to an error by us, we shall refund the payment amount including any fees deducted therefrom.
This shall not apply in the following circumstances:
We undertake that we will process your Personal Data in accordance with applicable Data Protection Act, Chapter 440 of the Laws of Malta and EU General Data Protection Regulation – GDPR, Regulation 216/679/EU.
We will process your personal data as part of a transaction or during the operation of your Payment Account in accordance with the terms of this Agreement, specifically in accordance with the Privacy Policy. It contains details on how we use Personal Data, the privacy rights of individuals together with our commitments in relation to using Personal Data.
You authorize us to send SMS messages on your behalf in your name and/or mobile number, where the payment service requires us to provide this information. You authorise us to send email messages on your behalf in the name of your business, together with the number of the Mobile Device, where the service requires us to provide this information.
When sending a payment such as a credit transfer, Personal Data may be included in accordance with the requirements of the associated Clearing Network. This may include names, addresses and additional personal details of individuals including Users and other individuals in your business.
The Payment Account permits the users to include additional personal messages and profile images to be added to payments and Payment Requests. We will not be responsible for the content of messages or images you send or receive from others.
Any complaints should be addressed to us in the first instance by contacting our Customer Service Team. Your complaint will be handled in accordance with our Complaints Policy. Customers may also raise their complaint to the MFSA (Website: www.mfsa.com.mt / Address: Malta Financial Services Authority, Notabile Road, BKR 3000, Attard, Malta / Telephone: (+356) 21441155), if they are not satisfied with the way it has been handled by the Institution.
The Intellectual Property rights in all data, information, systems, processes or other material used by or developed by us for the purposes of providing the Payment Account or performing our obligations under the Agreement shall remain vested, or upon their creation vest, in us or our licensors. You shall use such material only for the purpose of receiving the Services, as contemplated by the Agreement. The Intellectual Property rights and contents of the Payment Account and Website are owned by our licensors or us. Reproduction of part or all of the contents of the App in any form is prohibited without our prior consent. You are responsible to promptly notify us of any infringement or threatened infringement or of any challenges to validity or ownership of any Intellectual Property or other right of ours of which you become aware and will provide reasonable assistance to us at our expense, in connection therewith.
If a provision of this Agreement is found to be illegal, invalid or unenforceable, then to the extent it is illegal, invalid or unenforceable, that provision will be given no effect and will be treated as though it were not included in this Agreement, but the validity or enforceability of the remaining provisions of this Agreement will not be affected.
No provision in this Agreement creates a partnership between you and us.
You have no authority to bind, to contract in the name of, or to create liability for us in any way for any purpose.
You shall always present yourself as a separate entity from us.
No person other than the parties to this Agreement shall have rights under the Contracts or otherwise to enforce any term of this Agreement.
You may not assign or transfer your Payment Account to a third party.
You may not otherwise grant any third party a legal or equitable interest over it without our specific written permission.
This Agreement constitutes the entire agreement between you and us with respect to the Services and supersedes and replaces any and all prior agreements.
Any delay or failure by a party to exercise or enforce any right under this Agreement shall not be deemed to be a waiver of any such right or operate the exercise or enforcement thereof at any time or times thereafter.
The rights and remedies available to us in this Agreement are cumulative and are in addition to any other right or remedy available to us at law or in equity.
We retain the right to transfer, assign or delegate its rights and/or responsibilities in whole or in part under this Agreement to an affiliated company, or any third party, at any time without Your consent unless such transfer would reduce Your rights and/or remedies or increase Your responsibilities and/or liabilities under this Agreement.
You may not transfer Your rights and/or responsibilities under Your agreement with Us without Our prior written consent.
The laws of Malta govern this Agreement. The parties agree that the Malta courts (unless required otherwise in accordance with relevant European Union and local laws) shall have jurisdiction for the purpose of any such claim, dispute or proceeding.
© Money+Card Payment Institution Limited 2017. All Rights Reserved