# LLM.txt - Website Content Structure # Generated: 2025-10-08T16:57:20.714Z # Source: https://www.astropay.com --- ### Page: https://www.astropay.com/es/billetera-internacional Title: Billetera Internacional - Billetera Virtual AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/billetera-internacional ## Headings Structure: H1: Dinero sin fronteras H2: La billetera multimoneda H2: La billetera que te devuelve dinero H2: Más que solo una billetera H2: Vive, trabaja, y juega sin fronteras H2: Manteniendo tu dinero seguro H3: Soporte dedicado H3: Privacidad y datos H3: Protección internacional H2: Descarga la app de AstroPay ## Main Content: H1: Dinero sin fronteras H2: La billetera multimoneda H2: La billetera que te devuelve dinero H2: Más que solo una billetera H2: Vive, trabaja, y juega sin fronteras H2: Manteniendo tu dinero seguro H3: Soporte dedicado H3: Privacidad y datos H3: Protección internacional H2: Descarga la app de AstroPay Toma el control de tus finanzas globales con AstroPay. La billetera multimoneda para guardar, enviar y gastar como un local. --- ### Page: https://www.astropay.com/pt/conta-internacional Title: Conta Internacional - Conta Digital AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/conta-internacional ## Headings Structure: H1: Dinheiro sem fronteiras H2: A carteira multimoeda H2: A carteira que devolve dinheiro H2: Mais do que apenas uma carteira H2: Viva, trabalhe e jogue sem fronteiras H2: Mantendo seu dinheiro seguro H3: Suporte dedicado H3: Privacidade e dados H3: Proteção internacional H2: Baixe o app do AstroPay ## Main Content: H1: Dinheiro sem fronteiras H2: A carteira multimoeda H2: A carteira que devolve dinheiro H2: Mais do que apenas uma carteira H2: Viva, trabalhe e jogue sem fronteiras H2: Mantendo seu dinheiro seguro H3: Suporte dedicado H3: Privacidade e dados H3: Proteção internacional H2: Baixe o app do AstroPay Assuma o controle de suas finanças globais com AstroPay.A carteira multimoeda para guardar, enviar e gastar como um local. --- ### Page: https://www.astropay.com/da/global-tegnebog Title: International Wallet - AstroPay Language: da Canonical URL: https://www.astropay.com/da/global-tegnebog ## Headings Structure: H1: Penge uden grænser H2: Den multivaluta tegnebog H2: Tegnebogen der giver penge tilbage H2: Mere end bare en tegnebog H2: Lev, arbejd og leg uden grænser H2: Sikring af dine penge H3: Dedikeret support H3: Privatliv og data H3: International beskyttelse H2: Download AstroPay-appen ## Main Content: H1: Penge uden grænser H2: Den multivaluta tegnebog H2: Tegnebogen der giver penge tilbage H2: Mere end bare en tegnebog H2: Lev, arbejd og leg uden grænser H2: Sikring af dine penge H3: Dedikeret support H3: Privatliv og data H3: International beskyttelse H2: Download AstroPay-appen Tag kontrol over dine globale finanser med AstroPay.Den multivaluta tegnebog til at gemme, sende og bruge som en lokal. --- ### Page: https://www.astropay.com/global-wallet Title: International Wallet - AstroPay Language: en Canonical URL: https://www.astropay.com/global-wallet ## Headings Structure: H1: Money without borders H2: The multicurrency wallet H2: The wallet that pays you back H2: More than just a wallet H2: Live, work, and play without borders H2: Keeping your money safe H3: Dedicated support H3: Privacy and data H3: International safeguarding H2: Get the
AstroPay App ## Main Content: H1: Money without borders H2: The multicurrency wallet H2: The wallet that pays you back H2: More than just a wallet H2: Live, work, and play without borders H2: Keeping your money safe H3: Dedicated support H3: Privacy and data H3: International safeguarding H2: Get the
AstroPay App Take control of your global finances with AstroPay.The multicurrency wallet to hold, send, and spend like a local. --- ### Page: https://www.astropay.com/es/transferencias-internacionales Title: Transferencias Internacionales - Billetera Virtual AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/transferencias-internacionales ## Headings Structure: H1: Envía y recibe dinero, en cualquier lugar H2: Mueve dinero con3 pasos simples H3: Elige un destinatario H3: Elige una moneda H3: Presiona enviar H2: Vive, trabaja, y juega sin fronteras H2: Manteniendo tu dinero seguro H3: Soporte dedicado H3: Privacidad y datos H3: Protección internacional H2: Descarga la app de AstroPay ## Main Content: H1: Envía y recibe dinero, en cualquier lugar H2: Mueve dinero con3 pasos simples H3: Elige un destinatario H3: Elige una moneda H3: Presiona enviar H2: Vive, trabaja, y juega sin fronteras H2: Manteniendo tu dinero seguro H3: Soporte dedicado H3: Privacidad y datos H3: Protección internacional H2: Descarga la app de AstroPay Viaja, compra y gestiona tu dinero a través de fronteras y monedas como un ciudadano global: tarifas justas cada vez. --- ### Page: https://www.astropay.com/pt/transferencias-internacionais Title: Tranferências Internacionais - Conta Digital AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/transferencias-internacionais ## Headings Structure: H1: Envie e receba dinheiro, em qualquer lugar H2: Mova dinheiro com 3 etapas simples H3: Escolha um destinatário H3: Escolha uma moeda H3: Pressione enviar H2: Viva, trabalhe e jogue sem fronteiras H2: Mantendo seu dinheiro seguro H3: Suporte dedicado H3: Privacidade e dados H3: Proteção internacional H2: Baixe o app do AstroPay ## Main Content: H1: Envie e receba dinheiro, em qualquer lugar H2: Mova dinheiro com 3 etapas simples H3: Escolha um destinatário H3: Escolha uma moeda H3: Pressione enviar H2: Viva, trabalhe e jogue sem fronteiras H2: Mantendo seu dinheiro seguro H3: Suporte dedicado H3: Privacidade e dados H3: Proteção internacional H2: Baixe o app do AstroPay Viaje, compre e gerencie seu dinheiro através de fronteiras e moedas como um cidadão global: tarifas justas sempre. --- ### Page: https://www.astropay.com/da/internationale-overforsler Title: Money Transfers - AstroPay Language: da Canonical URL: https://www.astropay.com/da/internationale-overforsler ## Headings Structure: H1: Send og modtag penge, hvor som helst H2: Overfør penge med 3 enkle trin H3: Vælg en modtager H3: Vælg en valuta H3: Tryk på send H2: Lev, arbejd og leg uden grænser H2: Sikring af dine penge H3: Dedikeret support H3: Privatliv og data H3: International beskyttelse H2: Download AstroPay-appen ## Main Content: H1: Send og modtag penge, hvor som helst H2: Overfør penge med 3 enkle trin H3: Vælg en modtager H3: Vælg en valuta H3: Tryk på send H2: Lev, arbejd og leg uden grænser H2: Sikring af dine penge H3: Dedikeret support H3: Privatliv og data H3: International beskyttelse H2: Download AstroPay-appen Rejs, køb og håndter dine penge på tværs af grænser og valutaer som en global borger: rimelige gebyrer hver gang. --- ### Page: https://www.astropay.com/international-transfers Title: Money Transfers - AstroPay Language: en Canonical URL: https://www.astropay.com/international-transfers ## Headings Structure: H1: Send and receive money, anywhere H2: Move money with 3 simple steps H3: Choose a recipient H3: Pick a currency H3: Hit send H2: Live, work, and play without borders H2: Keeping your money safe H3: Dedicated support H3: Privacy and data H3: International safeguarding H2: Get the
AstroPay App ## Main Content: H1: Send and receive money, anywhere H2: Move money with 3 simple steps H3: Choose a recipient H3: Pick a currency H3: Hit send H2: Live, work, and play without borders H2: Keeping your money safe H3: Dedicated support H3: Privacy and data H3: International safeguarding H2: Get the
AstroPay App Travel, shop, and manage money across borders and currencies like a global citizen—fair rates every time. --- ### Page: https://www.astropay.com/es/pagos Title: Link de Pago y Código QR - Billetera Virtual AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/pagos ## Headings Structure: H1: Recibe pagos cuando quieras, donde quieras H2: Billetera AstroPay H2: Enlaces de pago H2: Códigos QR H2: Paga y recibe pagos en movimiento H2: Vive, trabaja, y juega sin fronteras H2: Manteniendo tu dinero seguro H3: Soporte dedicado H3: Privacidad y datos H3: Protección internacional H2: Descarga la app de AstroPay ## Main Content: H1: Recibe pagos cuando quieras, donde quieras H2: Billetera AstroPay H2: Enlaces de pago H2: Códigos QR H2: Paga y recibe pagos en movimiento H2: Vive, trabaja, y juega sin fronteras H2: Manteniendo tu dinero seguro H3: Soporte dedicado H3: Privacidad y datos H3: Protección internacional H2: Descarga la app de AstroPay --- ### Page: https://www.astropay.com/pt/pagamentos Title: Pagamentos com Link e QR Code - AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/pagamentos ## Headings Structure: H1: Receba pagamentos quando você quiser, onde você quiser H2: CarteiraAstroPay H2: Links de pagamento H2: Códigos QR H2: Pague e receba pagamentos em movimento H2: Viva, trabalhe e jogue sem fronteiras H2: Mantendo seu dinheiro seguro H3: Suporte dedicado H3: Privacidade e dados H3: Proteção internacional H2: Baixe o app do AstroPay ## Main Content: H1: Receba pagamentos quando você quiser, onde você quiser H2: CarteiraAstroPay H2: Links de pagamento H2: Códigos QR H2: Pague e receba pagamentos em movimento H2: Viva, trabalhe e jogue sem fronteiras H2: Mantendo seu dinheiro seguro H3: Suporte dedicado H3: Privacidade e dados H3: Proteção internacional H2: Baixe o app do AstroPay --- ### Page: https://www.astropay.com/da/betalinger Title: Payments with Link and QR Code - AstroPay Language: da Canonical URL: https://www.astropay.com/da/betalinger ## Headings Structure: H1: Modtag betalinger når som helst, hvor som helst H2: AstroPay Wallet H2: Betalingslinks H2: QR-koder H2: Betal og modtag betalinger på farten H2: Lev, arbejd og leg uden grænser H2: Sikring af dine penge H3: Dedikeret support H3: Privatliv og data H3: International beskyttelse H2: Download AstroPay-appen ## Main Content: H1: Modtag betalinger når som helst, hvor som helst H2: AstroPay Wallet H2: Betalingslinks H2: QR-koder H2: Betal og modtag betalinger på farten H2: Lev, arbejd og leg uden grænser H2: Sikring af dine penge H3: Dedikeret support H3: Privatliv og data H3: International beskyttelse H2: Download AstroPay-appen --- ### Page: https://www.astropay.com/payments Title: Payments with Link and QR Code - AstroPay Language: en Canonical URL: https://www.astropay.com/payments ## Headings Structure: H1: Get paid globally whenever, wherever H2: AstroPay wallet H2: Payment links H2: QR codes H2: Pay and get paid on the move H2: Live, work, and play without borders H2: Keeping your money safe H3: Dedicated support H3: Privacy and data H3: International safeguarding H2: Get the
AstroPay App ## Main Content: H1: Get paid globally whenever, wherever H2: AstroPay wallet H2: Payment links H2: QR codes H2: Pay and get paid on the move H2: Live, work, and play without borders H2: Keeping your money safe H3: Dedicated support H3: Privacy and data H3: International safeguarding H2: Get the
AstroPay App --- ### Page: https://www.astropay.com/es/tarjeta Title: Tarjeta con Cashback y Beneficios - Billetera Virtual AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/tarjeta ## Headings Structure: H1: La tarjeta global que te devuelve dinero H2: Consigue tu tarjeta en 3 sencillos pasos H3: Crea tucuenta gratuita H3: Elige tu tarjeta y modelo H3: Comienza a comprar y ganar puntos H3: Crea tu
cuenta gratuita H3: Elige tu tarjeta y modelo H3: Empieza a comprar y acumular puntos H2: Paga con un toque usando Google o Apple Pay H2: Vive, trabaja, y juega sin fronteras H2: Manteniendo tu dinero seguro H3: Soporte dedicado H3: Privacidad y datos H3: Protección internacional H2: Descarga la app de AstroPay ## Main Content: H1: La tarjeta global que te devuelve dinero H2: Consigue tu tarjeta en 3 sencillos pasos H3: Crea tucuenta gratuita H3: Elige tu tarjeta y modelo H3: Comienza a comprar y ganar puntos H3: Crea tu
cuenta gratuita H3: Elige tu tarjeta y modelo H3: Empieza a comprar y acumular puntos H2: Paga con un toque usando Google o Apple Pay H2: Vive, trabaja, y juega sin fronteras H2: Manteniendo tu dinero seguro H3: Soporte dedicado H3: Privacidad y datos H3: Protección internacional H2: Descarga la app de AstroPay --- ### Page: https://www.astropay.com/pt/cartao Title: Cartão com Cashback e Benefícios - Conta Digital AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/cartao ## Headings Structure: H1: O cartão global que paga você H2: Obtenha seu cartão em 3 etapas fáceis H3: Crie seuconta gratuita H3: Escolha seu cartão e modelo H3: Comece a comprar e ganhar pontos H3: Crie seu
conta gratuita H3: Escolha seu cartão e modelo H3: Comece a comprar e ganhar pontos H2: Pague com um toque usando o Google ou o Apple Pay H2: Viva, trabalhe e jogue sem fronteiras H2: Mantendo seu dinheiro seguro H3: Suporte dedicado H3: Privacidade e dados H3: Proteção internacional H2: Baixe o app do AstroPay ## Main Content: H1: O cartão global que paga você H2: Obtenha seu cartão em 3 etapas fáceis H3: Crie seuconta gratuita H3: Escolha seu cartão e modelo H3: Comece a comprar e ganhar pontos H3: Crie seu
conta gratuita H3: Escolha seu cartão e modelo H3: Comece a comprar e ganhar pontos H2: Pague com um toque usando o Google ou o Apple Pay H2: Viva, trabalhe e jogue sem fronteiras H2: Mantendo seu dinheiro seguro H3: Suporte dedicado H3: Privacidade e dados H3: Proteção internacional H2: Baixe o app do AstroPay --- ### Page: https://www.astropay.com/da/kort Title: Card with Cashback and AstroPoints - AstroPay Language: da Canonical URL: https://www.astropay.com/da/kort ## Headings Structure: H1: Det globale kort, der giver dig penge tilbage H2: Få dit kort i 3 enkle trin H3: Opret din gratis konto H3: Vælg dit kort og design H3: Begynd at shoppe og optjen point H3: Opret din
gratis konto H3: Vælg dit kort og model H3: Begynd at købe og optjene point H2: Betal med et tryk ved hjælp af Google eller Apple Pay H2: Lev, arbejd og leg uden grænser H2: Sikring af dine penge H3: Dedikeret support H3: Privatliv og data H3: International beskyttelse H2: Download AstroPay-appen ## Main Content: H1: Det globale kort, der giver dig penge tilbage H2: Få dit kort i 3 enkle trin H3: Opret din gratis konto H3: Vælg dit kort og design H3: Begynd at shoppe og optjen point H3: Opret din
gratis konto H3: Vælg dit kort og model H3: Begynd at købe og optjene point H2: Betal med et tryk ved hjælp af Google eller Apple Pay H2: Lev, arbejd og leg uden grænser H2: Sikring af dine penge H3: Dedikeret support H3: Privatliv og data H3: International beskyttelse H2: Download AstroPay-appen --- ### Page: https://www.astropay.com/card Title: Card with Cashback and AstroPoints - AstroPay Language: en Canonical URL: https://www.astropay.com/card ## Headings Structure: H1: The global card that pays you back H2: Get your card in 3 easy steps H3: Create yourfree account H3: Choose your card and model H3: Start buying and earning points H3: Create your
free account H3: Choose your card and model H3: Start buying and earning points H2: Pay with a tap using Google or Apple Pay H2: Live, work, and play without borders H2: Keeping your money safe H3: Dedicated support H3: Privacy and data H3: International safeguarding H2: Get the
AstroPay App ## Main Content: H1: The global card that pays you back H2: Get your card in 3 easy steps H3: Create yourfree account H3: Choose your card and model H3: Start buying and earning points H3: Create your
free account H3: Choose your card and model H3: Start buying and earning points H2: Pay with a tap using Google or Apple Pay H2: Live, work, and play without borders H2: Keeping your money safe H3: Dedicated support H3: Privacy and data H3: International safeguarding H2: Get the
AstroPay App --- ### Page: https://www.astropay.com/es/astropoints Title: AstroPoints - Billetera Virtual AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/astropoints ## Headings Structure: H1: Finally,Rewards you deserve! H2: Usa tus puntosComo un pase VIP H3: Conoce a Astros H3: Cambia tus AstroPoints por dinero H3: Eventos Exclusivos H3: CANJEa TUS PUNTOS PARA VIAJAR H3: Obtén Merch exclusiva H2: astrolevels, puntos y beneficios H3: STandard H3: gold H3: silver H3: black H2: Descarga la app de AstroPay H2: CUIDAMOS DETU DINERO H2: Tu dinerocon Astropay H3: TU dinero TRABAJANDO PARA TÍyour money H3: mueve dinero DE LA MEJOR MANERA H3: GASTa DONDE Y COMO QUIERAS ## Main Content: H1: Finally,Rewards you deserve! H2: Usa tus puntosComo un pase VIP H3: Conoce a Astros H3: Cambia tus AstroPoints por dinero H3: Eventos Exclusivos H3: CANJEa TUS PUNTOS PARA VIAJAR H3: Obtén Merch exclusiva H2: astrolevels, puntos y beneficios H3: STandard H4: En pagos con tarjeta H4: En pagos de servicios H4: AstroPoints en Booking.com H3: gold H4: En pagos con la billetera H4: En pagos con tarjeta H4: En pagos de servicios H4: AstroPoints en Booking.com H4: AstroCash H3: silver H4: En pagos con tarjeta H4: En pagos de servicios H4: AstroPoints en Booking.com H3: black H4: En pagos con la billetera H4: En pagos con tarjeta H4: En pagos de servicios H4: AstroPoints en Booking.com H4: AstroCash H4: AstroConcierge H4: AstroExperience H2: Descarga la app de AstroPay Obtén cashback y puntos con cada compra. Desbloquea beneficios y accede a experiencias que solo los AstroPoints pueden comprar. Accede a experiencias inolvidables y beneficios exclusivos. --- ### Page: https://www.astropay.com/pt/astropoints Title: AstroPoints - Conta Digital AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/astropoints ## Headings Structure: H1: Pontos que  realmente valem a pena H2: Seus pontos são o seu passe vip! H3: Conheça e cumprimente os Astros H3: Troque seus AstroPoints por dinheiro H3: Ingressos para a final de campeonatos H3: TROQUE SEUS AstroPoints POR VIAGENS H3: Camisas autografadas por jogadores H2: ASTRO NÍVEIS, PONTOS E BENEFícios H3: Standard H3: Gold H3: Silver H3: Black H2: Baixe o app do AstroPay H2: Mais segurança para sua conta H2: seU DINHEIRO SEM FRONTEIRAS H3: Rende em moeda internacionalyour money H3: Envie e receba seu dinheiro em segundos H3: Faça Compras pelo mundo, sem taxas ## Main Content: H1: Pontos que  realmente valem a pena H2: Seus pontos são o seu passe vip! H3: Conheça e cumprimente os Astros H3: Troque seus AstroPoints por dinheiro H3: Ingressos para a final de campeonatos H3: TROQUE SEUS AstroPoints POR VIAGENS H3: Camisas autografadas por jogadores H2: ASTRO NÍVEIS, PONTOS E BENEFícios H3: Standard H4: Pagamento com o cartão H4: Pagamento de contas H4: AstroPoints Booking.com H3: Gold H4: Pagamentos com a carteira H4: Pagamento com o cartão H4: Pagamento de contas H4: AstroPoints Booking.com H4: AstroPoints viram dinheiro H3: Silver H4: Pagamento com o cartão H4: Pagamento de contas H4: AstroPoints Booking.com H3: Black H4: Pagamentos com a carteira H4: Pagamento com o cartão H4: Pagamento de contas H4: AstroPoints Booking.com H4: AstroCashback H4: AstroConcierge H4: AstroExperiência H2: Baixe o app do AstroPay Todas as suas compras acumulam pontos para você trocar por experiências exclusivas e outros prêmios. Viva experiências incríveis, como você nunca viu. --- ### Page: https://www.astropay.com/da/astropoints Title: AstroPoints - AstroPay Language: da Canonical URL: https://www.astropay.com/da/astropoints ## Headings Structure: H1: Finally,Rewards you deserve! H2: Brug dine PointsLigesom et VIP Pass H3: Meet and greet with Astros H3: Reedem your AstroPoints for cash H3: Go to exclusive events H3: Redeem your AstroPoints to book a trip H3: Exclusive and unique merchandise H2: Astro niveauer,point & fordele H3: Standard H3: Gold H3: Silver H3: Black H2: Download AstroPay-appen H2: DINE PENGE ER 100 % SIKRE H2: Do morewith Astropay H3: Få mere ud af dine penge H3: OVERFØR PENGEPÅ DEN SMARTE MÅDE H3: BRUG DINE PENGE, SOM DU VIL – OVERALT ## Main Content: H1: Finally,Rewards you deserve! H2: Brug dine PointsLigesom et VIP Pass H3: Meet and greet with Astros H3: Reedem your AstroPoints for cash H3: Go to exclusive events H3: Redeem your AstroPoints to book a trip H3: Exclusive and unique merchandise H2: Astro niveauer,point & fordele H3: Standard H4: På kortbetalinger H4: På regningsbetalinger H4: AstroPoints til Booking.com H3: Gold H4: På tegnebogbetalinger H4: På kortbetalinger H4: På regningsbetalinger H4: AstroPoints til Booking.com H4: AstroPoints til kontanter H3: Silver H4: På kortbetalinger H4: På regningsbetalinger H4: AstroPoints til Booking.com H3: Black H4: På tegnebogbetalinger H4: På kortbetalinger H4: På regningsbetalinger H4: AstroPoints til Booking.com H4: AstroPoints til kontanter H4: AstroConcierge H4: AstroExperience H2: Download AstroPay-appen Tjen mens du handler! Hvert køb giver dig penge tilbage og point og låser op for eksklusive oplevelser, som kun AstroPoints kan købe. Få adgang til uforglemmelige oplevelser og utrolige belønninger. --- ### Page: https://www.astropay.com/astropoints Title: AstroPoints - AstroPay Language: en Canonical URL: https://www.astropay.com/astropoints ## Headings Structure: H1: Finally,Rewards you deserve! H2: Use your POintsLike a VIP Pass H3: Reedem your AstroPoints for cash H3: Go to exclusive events H3: Redeem your AstroPoints to book a trip H3: Exclusive and unique merchandise H2: Astro levels,points & benefits H3: Standard H3: gold H3: silver H3: Black H2: Get the
AstroPay App H2: KEEPING YOURMONEY SAFE H2: Do morewith Astropay H3: get more fromyour money H3: move moneylike a pro H3: SPEND anyway you want, Anywhere ## Main Content: H1: Finally,Rewards you deserve! H2: Use your POintsLike a VIP Pass H3: Reedem your AstroPoints for cash H3: Go to exclusive events H3: Redeem your AstroPoints to book a trip H3: Exclusive and unique merchandise H2: Astro levels,points & benefits H3: Standard H4: On card payments H4: On bill payments H4: AstroPoints for Booking.com H3: gold H4: On wallet payments H4: On card payments H4: On bill payments H4: AstroPoints for Booking.com H4: AstroPoints for cash H3: silver H4: On card payments H4: On bill payments H4: AstroPoints for Booking.com H3: Black H4: On wallet payments H4: On card payments H4: On bill payments H4: AstroPoints for Booking.com H4: AstroPoints for cash H4: AstroConcierge H4: AstroExperience H2: Get the
AstroPay App Every purchase gets you cash back, points and unlocks exclusive experiences that only AstroPoints can buy. Access unforgettable experiences and incredible rewards. --- ### Page: https://www.astropay.com/es/blog Title: AstroBlog - El Blog de la Billetera Virtual AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/blog ## Headings Structure: H1: El astroblog H2: Paga en Rappi con tu billetera AstroPay H2: Publicaciones de blog H3: Una caja diseñada para el crecimiento global H3: La plataforma AstroPay permite a cualquier empresa integrar servicios financieros globales a escala H3: Estamos de vuelta en el negocio: ahora damos la bienvenida a nuevos usuarios del Reino Unido H3: El auge de los pagos alternativos: cómo los consumidores van más allá de la banca tradicional H3: Viaje de manera inteligente este verano con la billetera multidivisa de AstroPay H3: El futuro de los pagos es estable H3: Viajar a Europa y pagar con AstroPay: Simplifica tus finanzas H3: Del ajetreo secundario al negocio global: cómo AstroPay impulsa el espíritu empresarial H3: Cómo mantener segura la red de AstroPay H2: Vive, trabaja, y juega sin fronteras H2: Descarga la app de AstroPay ## Main Content: H1: El astroblog H2: Paga en Rappi con tu billetera AstroPay H2: Publicaciones de blog H3: Una caja diseñada para el crecimiento global H3: La plataforma AstroPay permite a cualquier empresa integrar servicios financieros globales a escala H3: Estamos de vuelta en el negocio: ahora damos la bienvenida a nuevos usuarios del Reino Unido H3: El auge de los pagos alternativos: cómo los consumidores van más allá de la banca tradicional H3: Viaje de manera inteligente este verano con la billetera multidivisa de AstroPay H3: El futuro de los pagos es estable H3: Viajar a Europa y pagar con AstroPay: Simplifica tus finanzas H3: Del ajetreo secundario al negocio global: cómo AstroPay impulsa el espíritu empresarial H3: Cómo mantener segura la red de AstroPay H2: Vive, trabaja, y juega sin fronteras H2: Descarga la app de AstroPay --- ### Page: https://www.astropay.com/pt/blog Title: AstroBlog - O Blog da Conta Digital AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/blog ## Headings Structure: H1: O Astroblog H2: Pague no Rappi com sua carteira AstroPay H2: Postagens no blog H3: Um checkout criado para o crescimento global H3: A plataforma AstroPay permite que qualquer empresa incorpore serviços financeiros globais em grande escala H3: Estamos de volta aos negócios — agora recebendo novos usuários do Reino Unido H3: A ascensão dos pagamentos alternativos: como os consumidores estão indo além do sistema bancário tradicional H3: Viaje de forma inteligente neste verão com a carteira de várias moedas da AstroPay H3: O futuro dos pagamentos é estável H3: Como o IOF no cartão de crédito pode impactar suas compras internacionais e como o AstroPay pode ajudar H3: Como economizar em compras internacionais com AstroPay: Zero IOF e taxa de câmbio reduzida H3: Como funciona a conta com rendimentos do AstroPay H2: Viva, trabalhe e jogue sem fronteiras H2: Baixe o app do AstroPay ## Main Content: H1: O Astroblog H2: Pague no Rappi com sua carteira AstroPay H2: Postagens no blog H3: Um checkout criado para o crescimento global H3: A plataforma AstroPay permite que qualquer empresa incorpore serviços financeiros globais em grande escala H3: Estamos de volta aos negócios — agora recebendo novos usuários do Reino Unido H3: A ascensão dos pagamentos alternativos: como os consumidores estão indo além do sistema bancário tradicional H3: Viaje de forma inteligente neste verão com a carteira de várias moedas da AstroPay H3: O futuro dos pagamentos é estável H3: Como o IOF no cartão de crédito pode impactar suas compras internacionais e como o AstroPay pode ajudar H3: Como economizar em compras internacionais com AstroPay: Zero IOF e taxa de câmbio reduzida H3: Como funciona a conta com rendimentos do AstroPay H2: Viva, trabalhe e jogue sem fronteiras H2: Baixe o app do AstroPay --- ### Page: https://www.astropay.com/da/blog Title: AstroBlog - AstroPay Language: da Canonical URL: https://www.astropay.com/da/blog ## Headings Structure: H1: Astroblog H2: Betal i Rappi med din AstroPay Wallet H2: Blogindlæg H3: En checkout bygget til global vækst H3: AstroPay-platformen lader enhver virksomhed integrere globale finansielle tjenester i stor skala H3: Vi er tilbage i erhvervslivet - byder nu nye britiske brugere velkommen H3: Stigningen af alternative betalinger: Hvordan forbrugerne bevæger sig ud over traditionel bankvirksomhed H3: Rejs smart denne sommer med AstroPays tegnebog med flere valutaer H3: Fremtiden for betalinger er stabil H3: Fra sidestress til global forretning: Hvordan AstroPay fremmer iværksætteri H3: Hvordan vi holder AstroPay-netværket sikkert H3: Rejsepengeguide: 5 tip, mens du rejser til udlandet H2: Lev, arbejd og leg uden grænser H2: Download AstroPay-appen ## Main Content: H1: Astroblog H2: Betal i Rappi med din AstroPay Wallet H2: Blogindlæg H3: En checkout bygget til global vækst H3: AstroPay-platformen lader enhver virksomhed integrere globale finansielle tjenester i stor skala H3: Vi er tilbage i erhvervslivet - byder nu nye britiske brugere velkommen H3: Stigningen af alternative betalinger: Hvordan forbrugerne bevæger sig ud over traditionel bankvirksomhed H3: Rejs smart denne sommer med AstroPays tegnebog med flere valutaer H3: Fremtiden for betalinger er stabil H3: Fra sidestress til global forretning: Hvordan AstroPay fremmer iværksætteri H3: Hvordan vi holder AstroPay-netværket sikkert H3: Rejsepengeguide: 5 tip, mens du rejser til udlandet H2: Lev, arbejd og leg uden grænser H2: Download AstroPay-appen --- ### Page: https://www.astropay.com/blog Title: AstroBlog - AstroPay Language: en Canonical URL: https://www.astropay.com/blog ## Headings Structure: H1: The Astroblog H2: Pay in Rappi with your AstroPay Wallet H2: Blog posts H3: A checkout built for global growth H3: AstroPay Platform Lets Any Company Embed Global Financial Services at Scale H3: We are Back in Business – Now Welcoming New UK Users H3: The Rise of Alternative Payments: How Consumers Are Moving Beyond Traditional Banking H3: Travel Smart This Summer with AstroPay’s Multicurrency Wallet H3: The Future of Payments is Stable H3: Faster Than Ever: Why Real-Time Payments Are Reshaping the Future of Finance H3: Traveling South America Using a Prepaid Card H3: AstroPay Culture Manifesto H2: Live, work, and play without borders H2: Get the
AstroPay App ## Main Content: H1: The Astroblog H2: Pay in Rappi with your AstroPay Wallet H2: Blog posts H3: A checkout built for global growth H3: AstroPay Platform Lets Any Company Embed Global Financial Services at Scale H3: We are Back in Business – Now Welcoming New UK Users H3: The Rise of Alternative Payments: How Consumers Are Moving Beyond Traditional Banking H3: Travel Smart This Summer with AstroPay’s Multicurrency Wallet H3: The Future of Payments is Stable H3: Faster Than Ever: Why Real-Time Payments Are Reshaping the Future of Finance H3: Traveling South America Using a Prepaid Card H3: AstroPay Culture Manifesto H2: Live, work, and play without borders H2: Get the
AstroPay App --- ### Page: https://www.astropay.com/es/empresas Title: Soluciones de Pago para tu Negocio - AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/empresas ## Headings Structure: H1: Creado para negocios sin fronteras H2: ¿Por qué elegir AstroPay para tu negocio? H3: Aumenta tus ventas H3: Ahorra tiempo y dinero H3: Vuélvete global H2: Soluciones que impulsan tu crecimiento H3: Acepta AstroPay H3: Tarjetas corporativas H3: Cuentas de negocios H3: Marketplace H2: Una API pensada para devs H2: Descarga la app de AstroPay ## Main Content: H1: Creado para negocios sin fronteras H2: ¿Por qué elegir AstroPay para tu negocio? H3: Aumenta tus ventas H3: Ahorra tiempo y dinero H3: Vuélvete global H2: Soluciones que impulsan tu crecimiento H3: Acepta AstroPay H3: Tarjetas corporativas H3: Cuentas de negocios H3: Marketplace H2: Una API pensada para devs H2: Descarga la app de AstroPay Acepta pagos de millones de usuarios de AstroPay y haz crecer tu negocio. Simplifica tus transacciones internacionales y accede a soluciones financieras completas con un socio confiable. --- ### Page: https://www.astropay.com/pt/empresas Title: Soluções de Pagamento para o seu Negócio - AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/empresas ## Headings Structure: H1: Criado para negócios sem fronteiras H2: Por que escolher a AstroPay para o seu negócio? H3: Aumente suas vendas H3: Economize tempo e dinheiro H3: Torne-se global H2: Soluções que impulsionam seu crescimento H3: Aceite AstroPay H3: Cartões corporativos H3: Contas de negócios H3: Marketplace H2: Uma API pensada para desenvolvedores H2: Baixe o app do AstroPay ## Main Content: H1: Criado para negócios sem fronteiras H2: Por que escolher a AstroPay para o seu negócio? H3: Aumente suas vendas H3: Economize tempo e dinheiro H3: Torne-se global H2: Soluções que impulsionam seu crescimento H3: Aceite AstroPay H3: Cartões corporativos H3: Contas de negócios H3: Marketplace H2: Uma API pensada para desenvolvedores H2: Baixe o app do AstroPay Aceite pagamentos de milhões de usuários da AstroPay e faça seu negócio crescer. Simplifique suas transações internacionais e tenha acesso a soluções financeiras completas com um parceiro confiável. --- ### Page: https://www.astropay.com/da/virksomhed Title: Payment Solutions - AstroPay for Business Language: da Canonical URL: https://www.astropay.com/da/virksomhed ## Headings Structure: H1: Bygget til grænseløs forretning H2: Hvorfor vælge AstroPay til din virksomhed? H3: Øg dit salg H3: Spar tid & penge H3: Gå globalt H2: Løsninger, der driver din vækst H3: Acceptér AstroPay H3: Firmakort H3: Virksomhedskonti H3: Marketplace H2: Bygget til udviklere, klar til skalering H2: Download AstroPay-appen ## Main Content: H1: Bygget til grænseløs forretning H2: Hvorfor vælge AstroPay til din virksomhed? H3: Øg dit salg H3: Spar tid & penge H3: Gå globalt H2: Løsninger, der driver din vækst H3: Acceptér AstroPay H3: Firmakort H3: Virksomhedskonti H3: Marketplace H2: Bygget til udviklere, klar til skalering H2: Download AstroPay-appen Øg salget ved at acceptere betalinger fra millioner af AstroPay-brugere, effektivisér dine grænseoverskridende transaktioner, og accelerér væksten med integrerede finansielle produkter – alt sammen gennem én betroet partner. --- ### Page: https://www.astropay.com/business Title: Payment Solutions - AstroPay for Business Language: en Canonical URL: https://www.astropay.com/business ## Headings Structure: H1: Built for borderless business H2: Why choose AstroPay for your business? H3: Boost your sales H3: Save time & money H3: Go global H2: Solutions to power your growth H3: Accept AstroPay H3: Corporate cards H3: Business accounts H3: Marketplace H2: Built for developers, ready for scale H2: Get the
AstroPay App ## Main Content: H1: Built for borderless business H2: Why choose AstroPay for your business? H3: Boost your sales H3: Save time & money H3: Go global H2: Solutions to power your growth H3: Accept AstroPay H3: Corporate cards H3: Business accounts H3: Marketplace H2: Built for developers, ready for scale H2: Get the
AstroPay App Drive sales by accepting payments from millions of AstroPay users, streamline your cross-border transactions, and accelerate growth with embedded financial products, all through one trusted partner. --- ### Page: https://www.astropay.com/es/empresas/aceptar-astropay Title: Acepta Pagos y Aumenta tus Ventas - AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/empresas/aceptar-astropay ## Headings Structure: H1: Acepta AstroPay H2: Accede a más mercados H2: Millones de usuarios H2: Ahorra más, crece más H2: Expande tus pagos globalmente H3: Vende más, crece global H3: Conversión y retención H3: Escalabilidad sin esfuerzo H3: Respaldado y confiable H2: Una API pensada para devs H2: Explora lo que es posible con AstroPay H2: Descarga la app de AstroPay ## Main Content: H1: Acepta AstroPay H2: Accede a más mercados H2: Millones de usuarios H2: Ahorra más, crece más H2: Expande tus pagos globalmente H3: Vende más, crece global H3: Conversión y retención H3: Escalabilidad sin esfuerzo H3: Respaldado y confiable H2: Una API pensada para devs H2: Explora lo que es posible con AstroPay H2: Descarga la app de AstroPay --- ### Page: https://www.astropay.com/pt/empresas/aceite-astropay Title: Aceite Pagamentos e Aumente suas Vendas - AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/empresas/aceite-astropay ## Headings Structure: H1: Aceita AstroPay H2: Acesse mais mercados H2: Milhões de usuários H2: Economize mais, cresça mais H2: Expanda seus pagamentos globalmente H3: Venda mais, cresça globalmente H3: Conversão e retenção H3: Escalabilidade sem esforço H3: Utilizado e confiável H2: Uma API pensada para desenvolvedores H2: Explore o que é possível com AstroPay H2: Baixe o app do AstroPay ## Main Content: H1: Aceita AstroPay H2: Acesse mais mercados H2: Milhões de usuários H2: Economize mais, cresça mais H2: Expanda seus pagamentos globalmente H3: Venda mais, cresça globalmente H3: Conversão e retenção H3: Escalabilidade sem esforço H3: Utilizado e confiável H2: Uma API pensada para desenvolvedores H2: Explore o que é possível com AstroPay H2: Baixe o app do AstroPay --- ### Page: https://www.astropay.com/da/virksomhed/accepter-astropay Title: Accept Payments - AstroPay for Business Language: da Canonical URL: https://www.astropay.com/da/virksomhed/accepter-astropay ## Headings Structure: H1: Acceptér AstroPay H2: Nå flere markeder H2: Få adgang til millioner H2: Lavere gebyrer, større effekt H2: Fremskynd dit globale betalingspotentiale H3: Øg salget, skalér globalt H3: Konvertering og fastholdelse H3: Skalér uden besvær H3: Accepteret og pålidelig H2: Et checkout API, som udviklere rent faktisk vil bruge H2: Udforsk hvad der er muligt med AstroPay H2: Download AstroPay-appen ## Main Content: H1: Acceptér AstroPay H2: Nå flere markeder H2: Få adgang til millioner H2: Lavere gebyrer, større effekt H2: Fremskynd dit globale betalingspotentiale H3: Øg salget, skalér globalt H3: Konvertering og fastholdelse H3: Skalér uden besvær H3: Accepteret og pålidelig H2: Et checkout API, som udviklere rent faktisk vil bruge H2: Udforsk hvad der er muligt med AstroPay H2: Download AstroPay-appen --- ### Page: https://www.astropay.com/business/accept-astropay Title: Accept Payments - AstroPay for Business Language: en Canonical URL: https://www.astropay.com/business/accept-astropay ## Headings Structure: H1: Accept AstroPay H2: Reach more markets H2: Tap into millions H2: Lower fees, higher impact H2: Accelerate your global payment potential H3: Boost sales, scale globally H3: Conversion & retention H3: Scale without effort H3: Accepted and trusted H2: A checkout API developers actually want to use H2: Explore what's possible with AstroPay H2: Get the
AstroPay App ## Main Content: H1: Accept AstroPay H2: Reach more markets H2: Tap into millions H2: Lower fees, higher impact H2: Accelerate your global payment potential H3: Boost sales, scale globally H3: Conversion & retention H3: Scale without effort H3: Accepted and trusted H2: A checkout API developers actually want to use H2: Explore what's possible with AstroPay H2: Get the
AstroPay App --- ### Page: https://www.astropay.com/es/terminos-y-condiciones Title: Términos y Condiciones - AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/terminos-y-condiciones ## Headings Structure: H1: Términos y condiciones que pueden serle aplicables. H2: Descarga la app de AstroPay ## Main Content: H1: Términos y condiciones que pueden serle aplicables. H2: Descarga la app de AstroPay 1. Si vives en el Reino Unido Para guardar, gastar y transferir dinero con AstroPay 2. Si vives en Brasil Conservar, gastar y transferir reales brasileños con AstroPay Retener, gastar y transferir dinero que no sean reales brasileños 3. Si vives en el Espacio Económico Europeo Para guardar, gastar y transferir dinero con AstroPay 4. Si vive en una jurisdicción distinta a las mencionadas anteriormente Para guardar, gastar y transferir dinero con AstroPay Promociones y Beneficios --- ### Page: https://www.astropay.com/pt/termos-e-condicoes Title: Termos e Condições - AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/termos-e-condicoes ## Headings Structure: H1: Termos e condições que podem ser aplicáveis a você. H2: Baixe o app do AstroPay ## Main Content: H1: Termos e condições que podem ser aplicáveis a você. H2: Baixe o app do AstroPay 1. Se você mora no Reino Unido Para guardar, gastar e transferir dinheiro com o AstroPay 2. Se você mora no Brasil Para guardar, gastar e transferir reais brasileiros com o AstroPay Para guardar, gastar e transferir dinheiro que não seja real brasileiro 3. Se você mora no Espaço Econômico Europeu Para guardar, gastar e transferir dinheiro com o AstroPay 4. Se você mora em uma jurisdição diferente das listadas acima Para guardar, gastar e transferir dinheiro com o AstroPay Promoções e Benefícios --- ### Page: https://www.astropay.com/da/terms-and-conditions Title: Terms and Conditions - AstroPay Language: da Canonical URL: https://www.astropay.com/da/terms-and-conditions ## Headings Structure: H1: Vilkår og betingelser, der kan være gældende for dig. H2: Download AstroPay-appen ## Main Content: H1: Vilkår og betingelser, der kan være gældende for dig. H2: Download AstroPay-appen 1. Hvis du bor i Storbritannien At holde, bruge og overføre penge med AstroPay 2. Hvis du bor i Brasilien At holde, bruge og overføre brasilianske Reais med AstroPay At holde, bruge og overføre andre penge end brasilianske reais 3. Hvis du bor i Det Europæiske Økonomiske Samarbejdsområde At holde, bruge og overføre penge med AstroPay 4. Hvis du bor i en anden jurisdiktion end dem, der er anført ovenfor At holde, bruge og overføre penge med AstroPay --- ### Page: https://www.astropay.com/terms-and-conditions Title: Terms and Conditions - AstroPay Language: en Canonical URL: https://www.astropay.com/terms-and-conditions ## Headings Structure: H1: Terms and Conditions that may be applicable to you. H2: Get the
AstroPay App ## Main Content: H1: Terms and Conditions that may be applicable to you. H2: Get the
AstroPay App 1. If you live in the United Kingdom To hold, spend and transfer money with AstroPay 2. If you live in Brazil To hold, spend and transfer Brazilian Reais with AstroPay To hold, spend and transfer money other than Brazilian Reais 3. If you live in the European Economic Area To hold, spend and transfer money with AstroPay 4. If you live in a jurisdiction other than the ones listed above To hold, spend and transfer money with AstroPay --- ### Page: https://www.astropay.com/es/united-kingdom/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: es-AR Canonical URL: https://www.astropay.com/es/united-kingdom/t-c-agreement-for-individuals ## Headings Structure: H1: T&C Agreement (for individuals) H2: Descarga la app de AstroPay ## Main Content: H1: T&C Agreement (for individuals) H4: IMPORTANT INFORMATION: H4: 1.2 In these Terms: H4: ‍ H2: Descarga la app de AstroPay These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by LARSTAL LIMITED a UK limited company with registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA (“we”, “us” “our” “AstroPay” or “Provider”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: Definitions and Interpretation 1.1 In these Terms, capitalised words and expressions have the following meanings, unless otherwise stated: 2. Changes to these Terms 3. Registration and Eligibility 5. Access to your Account and use of the Services 6. Loading your Wallet 8. Changes to your Account details 9. Proprietary Rights 11. Termination and Suspension 13. Rights and Liabilities 15. Contact Details and Notice 17. Governing Law and Jurisdiction 18. Complaints Handling --- ### Page: https://www.astropay.com/pt/united-kingdom/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: pt-BR Canonical URL: https://www.astropay.com/pt/united-kingdom/t-c-agreement-for-individuals ## Headings Structure: H1: T&C Agreement (for individuals) H2: Baixe o app do AstroPay ## Main Content: H1: T&C Agreement (for individuals) H4: IMPORTANT INFORMATION: H4: 1.2 In these Terms: H4: ‍ H2: Baixe o app do AstroPay These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by LARSTAL LIMITED a UK limited company with registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA (“we”, “us” “our” “AstroPay” or “Provider”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: Definitions and Interpretation 1.1 In these Terms, capitalised words and expressions have the following meanings, unless otherwise stated: 2. Changes to these Terms 3. Registration and Eligibility 5. Access to your Account and use of the Services 6. Loading your Wallet 8. Changes to your Account details 9. Proprietary Rights 11. Termination and Suspension 13. Rights and Liabilities 15. Contact Details and Notice 17. Governing Law and Jurisdiction 18. Complaints Handling --- ### Page: https://www.astropay.com/da/united-kingdom/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: da Canonical URL: https://www.astropay.com/da/united-kingdom/t-c-agreement-for-individuals ## Headings Structure: H1: T&C Agreement (for individuals) H2: Download AstroPay-appen ## Main Content: H1: T&C Agreement (for individuals) H4: IMPORTANT INFORMATION: H4: 1.2 In these Terms: H4: ‍ H2: Download AstroPay-appen These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by LARSTAL LIMITED a UK limited company with registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA (“we”, “us” “our” “AstroPay” or “Provider”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: Definitions and Interpretation 1.1 In these Terms, capitalised words and expressions have the following meanings, unless otherwise stated: 2. Changes to these Terms 3. Registration and Eligibility 5. Access to your Account and use of the Services 6. Loading your Wallet 8. Changes to your Account details 9. Proprietary Rights 11. Termination and Suspension 13. Rights and Liabilities 15. Contact Details and Notice 17. Governing Law and Jurisdiction 18. Complaints Handling --- ### Page: https://www.astropay.com/united-kingdom/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: en Canonical URL: https://www.astropay.com/united-kingdom/t-c-agreement-for-individuals ## Headings Structure: H1: T&C Agreement (for individuals) H2: Get the
AstroPay App ## Main Content: H1: T&C Agreement (for individuals) H4: IMPORTANT INFORMATION: H4: 1.2 In these Terms: H4: ‍ H2: Get the
AstroPay App These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by LARSTAL LIMITED a UK limited company with registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA (“we”, “us” “our” “AstroPay” or “Provider”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: Definitions and Interpretation 1.1 In these Terms, capitalised words and expressions have the following meanings, unless otherwise stated: 2. Changes to these Terms 3. Registration and Eligibility 5. Access to your Account and use of the Services 6. Loading your Wallet 8. Changes to your Account details 9. Proprietary Rights 11. Termination and Suspension 13. Rights and Liabilities 15. Contact Details and Notice 17. Governing Law and Jurisdiction 18. Complaints Handling --- ### Page: https://www.astropay.com/es/politica-de-privacidad Title: Política de Privacidad - AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/politica-de-privacidad ## Headings Structure: H1: POLÍTICA DE PRIVACIDAD DEL REINO UNIDO Y RESTO DEL MUNDO H2: Descarga la app de AstroPay ## Main Content: H1: POLÍTICA DE PRIVACIDAD DEL REINO UNIDO Y RESTO DEL MUNDO H4: 1. INTRODUCCIÓN H4: 2. CATEGORÍAS DE DATOS PERSONALES, PROPÓSITO Y BASE LEGAL H4: 3. DESTINATARIOS DE SUS DATOS PERSONALES H4: 4. TRANSFERENCIA DE SUS DATOS PERSONALES A UN TERCER PAÍS (FUERA DE LA UE/EEE) H4: 5. ALMACENAMIENTO DE SUS DATOS PERSONALES H4: 6. REDES SOCIALES H4: 7. USO DE COOKIES H4: 8. TUS DERECHOS H4: 9. PREGUNTAS O QUEJAS H4: 10. MODIFICACIONES A ESTA POLÍTICA H2: Descarga la app de AstroPay En AstroPay entendemos la importancia de tratar los datos personales de nuestros socios comerciales, visitantes del sitio web y otras personas con las que podamos interactuar, como los usuarios potenciales, de manera confidencial y privada. AstroPay se compromete a cumplir los requisitos y obligaciones en relación con la privacidad de los datos de conformidad con la legislación aplicable, incluida (i) la Ley de Protección de Datos del Reino Unido de 2018; y (ii) la versión legal de la UE del Reglamento General de Protección de Datos ((UE) 2016/679), modificado y adoptado por la legislación del Reino Unido en virtud del artículo 3 de la Ley de la Unión Europea (Retirada) de 2018 (el «RGPD del Reino Unido»). Por lo tanto, contamos con procedimientos de procesamiento de datos seguros y adecuados. AstroPay es la abreviatura y el nombre comercial del Grupo AstroPay con el que se encuentran las entidades jurídicas Larstal Limited, C/O Kirk Rice LLP Victoria House, 178- 180 Fleet Road, Fleet, Inglaterra, GU51 4DA, número de registro comercial 11970628 («Larstal Limited») y AP Global Corporation LLP, 4 King's Bench Walk, Temple, Londres, EC4Y 7DL, Inglaterra, número de registro comercial OC346322 («AP Global») pertenecen. A los efectos de la marca y del reconocimiento general, Larstal Limited y AP Global reciben el nombre de AstroPay en esta política de privacidad y cookies («Política»). El responsable del tratamiento de sus datos personales es AP Global. A continuación, AstroPay proporciona una descripción general de las actividades de procesamiento en las que se procesan los datos personales, incluidos, entre otros, el propósito de las mismas y la base legal. Si tiene alguna pregunta sobre esta Política o desea ejercer sus derechos como titular de los datos de conformidad con el capítulo III del RGPD del Reino Unido y según la sección 8 de esta Política, póngase en contacto con AstroPay enviando un correo electrónico a dataprotection@astropay.com. 2.1 Visitantes del sitio web. Cuando visite el sitio web de AstroPay: www.AstroPay.com («Sitio web»), AstroPay procesará sus datos personales, por ejemplo, las cookies, el tipo y la versión del navegador, la dirección IP y la duración de la visita. El propósito del uso de cookies es mejorar su experiencia de usuario en nuestro sitio web, proporcionar funcionalidad, generar estadísticas, orientar la comercialización de nuestros productos a sus necesidades y recordar sus preferencias. Encontrará más información sobre el uso de cookies en la sección 7 que aparece a continuación. La base legal para el procesamiento de sus datos personales son los earnings legítimos de AstroPay, y AstroPay considera que nuestros earnings legítimos prevalecen sobre sus earnings o que los derechos y libertades fundamentales no prevalecen sobre esos earnings, de conformidad con el artículo 6 (1) (f) del RGPD del Reino Unido. Los earnings legítimos perseguidos son proporcionarle un sitio web que funcione de manera óptima, una buena experiencia en el sitio web y actividades de marketing. En ciertos casos, la base legal para el procesamiento de sus datos personales a este respecto es su consentimiento, que se le pedirá que dé cuando visite el sitio web, de conformidad con el artículo 6 (1) (a) del RGPD del Reino Unido. 2.2 Personas de contacto de un socio comercial y otras personas con las que AstroPay interactúa. Como persona de contacto de un socio comercial y como otras personas con las que interactuamos, por ejemplo, distribuidores, filiales o usuarios potenciales, AstroPay procesa sus datos personales cuando se comunica con AstroPay, por ejemplo, a través de correos electrónicos en relación con la relación contractual existente de AstroPay con la empresa en la que trabaja o en relación con la celebración o rescisión de un contrato. AstroPay procesa datos personales ordinarios sobre usted, incluidos su nombre, dirección de correo electrónico, número de teléfono, cargo, etc. La base legal para dicho procesamiento de sus datos personales es que el procesamiento es necesario para los fines de los intereses legítimos que persigue AstroPay y AstroPay considera que nuestros intereses legítimos prevalecen sobre sus intereses o derechos y libertades fundamentales, véase el artículo 6 (1) (f) del RGPD del Reino Unido. Los intereses legítimos de AstroPay son el cumplimiento de nuestras obligaciones contractuales, el mantenimiento y la mejora de las relaciones comerciales, la facturación de los servicios que su empresa presta a AstroPay o viceversa, la comunicación con usted si tiene alguna pregunta relacionada con nuestros servicios o viceversa, y con fines de documentación en caso de que acepte los asuntos relacionados con nuestros servicios por escrito por correo electrónico. En algunos casos, el procesamiento de datos personales es necesario para cumplir con una obligación legal a la que está sujeta AstroPay. En tales casos, la base legal para el procesamiento es el artículo 6 (1) (c) del RGPD del Reino Unido. 2.3 Consultas en el formulario de contacto en línea y función de soporte por chat en vivo. Cuando utiliza nuestro formulario de contacto en línea o nuestra función de soporte por chat en vivo, procesamos la información que nos proporciona para atender sus consultas, como el nombre, la dirección de correo electrónico, el número de teléfono y el contenido de su consulta. AstroPay no procesará categorías especiales de datos personales (datos personales confidenciales) sobre usted, por ejemplo, información médica, a menos que nos haya proporcionado dicha información en su consulta. AstroPay le recomienda amablemente que no envíe este tipo de datos personales confidenciales. La base legal para el procesamiento de datos personales son los intereses legítimos de AstroPay y, en nuestra opinión, nuestros intereses legítimos prevalecen sobre sus intereses y derechos y libertades fundamentales, de conformidad con el artículo 6 (1) (f) del RGPD del Reino Unido. Los intereses legítimos que perseguimos son brindar apoyo a nuestros socios comerciales respondiendo a las consultas y desarrollando el negocio. 2.4 Redes sociales. Usamos ciertas redes sociales para ponernos en contacto con nuestros clientes y clientes potenciales, así como para promover nuestras iniciativas de marketing. Si ha visitado estos sitios y le ha dado «me gusta» o «ha seguido» nuestra página de fans o se ha puesto en contacto con nosotros a través de estos sitios, procesaremos sus datos personales. Solo procesamos información sobre su nombre y correo electrónico. Si se pone en contacto con nosotros a través de las redes sociales, procesamos su información en función de nuestro interés en poder ponernos en contacto con usted y responder a sus consultas (artículo 6 (1) (f) del RGPD). La información provendrá de usted y de las redes sociales a través de las cuales se ponga en contacto con nosotros. Tenemos la denominada responsabilidad conjunta con las redes sociales que utilizamos, ya que ambos utilizamos sus datos para nuestros propios fines. Puede obtener más información sobre el procesamiento de sus datos personales por parte de las redes sociales en la siguiente página: La información procesada en relación con las redes sociales que implica una comunicación directa a través de las redes sociales se elimina de inmediato. La publicación, por ejemplo, en páginas de Facebook o en grupos públicos no se elimina, ya que una publicación o un comentario en las páginas de Facebook o en grupos públicos se consideran espacios públicos. Puedes leer sobre los espacios públicos aquí. Cuando sea pertinente, AstroPay puede divulgar o transferir sus datos personales a filiales de AstroPay, socios comerciales u otros colaboradores con fines comerciales. Estos terceros también incluyen proveedores de redes sociales, tal y como se describe en la sección 6 que figura a continuación. En ciertos casos específicos, por ejemplo, en relación con disputas, incluso cuando la divulgación de sus datos personales sea necesaria para la formulación, el ejercicio o la defensa de las reclamaciones legales de AstroPay, AstroPay puede divulgar sus datos personales a nuestros asesores u otros terceros pertinentes, siempre que lo considere necesario y legal. Ciertos destinatarios procesan datos personales en nombre de AstroPay y solo pueden procesar sus datos personales de acuerdo con las instrucciones documentadas proporcionadas por AstroPay y otros términos y condiciones establecidos en un acuerdo de procesamiento de datos celebrado con AstroPay. Estos procesadores de datos no están autorizados a procesar sus datos personales para sus propios fines. En ciertos casos, sus datos personales pueden transferirse a países fuera de la UE/EEE. AstroPay garantiza que dicha transferencia se realizará de acuerdo con las leyes de protección de datos aplicables. Esto implica que cualquier parte de fuera de la UE o el EEE que reciba sus datos personales garantizará un nivel de protección adecuado, por ejemplo, suscribiendo con AstroPay las cláusulas contractuales estándar de la UE («SCC») y el anexo sobre transferencias internacionales de datos («IDTA») del Reino Unido. AstroPay garantizará la implementación de medidas de seguridad adicionales si lo considera necesario en un caso específico. Si lo solicita, puede recibir una copia de la base legal de las transferencias. Póngase en contacto con dataprotection@astropay.com. AstroPay solo almacenará sus datos personales mientras se considere necesario para cumplir con los fines del procesamiento de sus datos personales. 5.1 Visitantes del sitio web Los datos personales recopilados a través de las cookies mediante el uso de nuestro sitio web se almacenan durante diferentes períodos según el tipo y el propósito de la cookie en cuestión. Consulte la sección 7 a continuación. Los datos personales recopilados en relación con el uso de las redes sociales se borrarán cuando se elimine el contenido o cuando usted retire su respuesta a nuestro contenido (me gusta, uso compartido, etc.). Encontrará más información en la sección 6 que figura a continuación. 5.2 Persona de contacto de un socio comercial y otras personas con las que interactuamos. Si usted es la persona de contacto de un socio comercial u otras personas con las que interactuamos, AstroPay almacenará sus datos personales mientras AstroPay se comunique con usted porque es el punto de contacto de AstroPay, 3 años después de la finalización de la relación contractual o hasta que ya no sean necesarios para el establecimiento, el ejercicio o la defensa de una reclamación legal. 5.3 Consultas a través del formulario de contacto en línea y comunicación a través de la función de chat en vivo. Las consultas y comunicaciones, por ejemplo, de clientes potenciales, se eliminarán 1 año después de que se resuelva la consulta, a menos que se considere necesario almacenar dichas consultas con fines de documentación, por ejemplo, debido a una disputa, incluso para el establecimiento, el ejercicio o la defensa de reclamaciones legales. 5.4 Material de contabilidad AstroPay almacenará sus datos personales en la medida en que sea necesario para los fines de contabilidad necesarios para cumplir con los fines para los que los recopilamos, incluso para cumplir con cualquier requisito legal, reglamentario, fiscal, contable o de presentación de informes. Estos datos personales se almacenarán durante un período de 5 años a partir del final del ejercicio financiero al que se refieran los registros contables. Podremos conservar sus datos personales durante un período más largo en caso de presentar una reclamación o si creemos razonablemente que existe la posibilidad de que se inicie un litigio en relación con nuestra relación con usted. Nuestro sitio web utiliza complementos de redes sociales («complementos») de los sitios de redes sociales Facebook, Instagram, LinkedIn, YouTube, TikTok y Twitter. Cuando visita nuestras redes sociales en Facebook, Instagram y LinkedIn o nuestro sitio web en el que se han instalado complementos de redes sociales, nuestros proveedores de servicios de redes sociales recopilan y procesan sus datos personales mediante cookies, siempre que dé su consentimiento al proveedor del servicio, según corresponda. Dicha recopilación y procesamiento se llevan a cabo incluso si no tiene una cuenta en las redes sociales. Si accede a nuestro sitio web mediante un complemento de este tipo, su navegador se pondrá en contacto con el servidor de la red social subyacente, cargará la presentación visual del complemento y se la presentará. Mientras esto sucede, la red social recibe información sobre su visita a nuestro sitio web, así como otros datos, como su dirección IP. AstroPay recibe estadísticas demográficas y geográficas anónimas de las redes sociales sobre los visitantes de nuestro sitio web y nuestras redes sociales. AstroPay es un controlador de datos conjunto con nuestros proveedores de redes sociales para los datos personales recopilados y procesados en relación con su visita a nuestros sitios de redes sociales y nuestro sitio web. Esto significa, entre otras cosas, que puede ponerse en contacto con AstroPay y con los proveedores de redes sociales para ejercer sus derechos en virtud del RGPD del Reino Unido. Los proveedores de redes sociales son los principales responsables de garantizar el cumplimiento del RGPD del Reino Unido y de responder a las solicitudes de los visitantes de sus sitios. Si está registrado como usuario de los proveedores de medios especiales, puede ejercer sus derechos a través de la configuración de su cuenta en sus sitios. No tenemos ninguna influencia sobre la cantidad de datos que las redes sociales recopilan a través de un complemento activo. Para obtener más información, consulte el aviso de privacidad de datos correspondiente: Facebook: www.facebook.com/policy ‍Instagram: https://help.instagram.com/519522125107875/?maybe_redirect_pol=0 LinkedIn: https://www.linkedin.com/legal/privacy-policy YouTube: https://www.youtube.com/intl/ALL_ie/howyoutubeworks/our-commitments/protecting-user-data/ ‍TikTok: https://www.tiktok.com/legal/privacy-policy-eea?lang=en ‍Twitter: https://twitter.com/en/privacy. Cuando visite www.AstroPay.com por primera vez, se le pedirá que dé su consentimiento explícito para el uso de cookies en el sitio web o que rechace el uso de todas o algunas de las cookies. Tenga en cuenta que el uso de cookies de funcionalidad no requiere su consentimiento, ya que estas cookies son necesarias para el funcionamiento del sitio web. Le recomendamos que acepte las cookies que utiliza el sitio web, ya que nos ayudarán a mejorar su experiencia y la de otras personas cuando visiten el sitio web. Si rechaza el uso de cookies, es posible que haya una variedad de funcionalidades en el sitio web que no pueda utilizar. Cuando utiliza nuestro sitio web, no registramos ninguna información que pueda identificarlo directamente, como su nombre y dirección. Sin embargo, registramos la forma en que navega por el sitio para que podamos obtener más información sobre cómo se usa nuestro sitio y registramos su dirección IP, que puede identificarlo indirectamente. 7.1 Qué son las cookies. Una cookie es un archivo de texto que se envía a su navegador desde nuestro sitio web y se guarda en su ordenador, teléfono o cualquier dispositivo que utilice para acceder a Internet. Sin embargo, el significado de la palabra «cookies» en esta Política y en el texto de consentimiento sobre las cookies también incluye otros tipos de recopilación automática de datos, por ejemplo, las cookies flash (objetos compartidos locales), el almacenamiento web (HTML5), las de JavaScript o las cookies que se colocan mediante el uso de otros tipos de software. Hay básicamente dos tipos de cookies: las llamadas cookies de sesión y las cookies persistentes. Las cookies de sesión son unidades de información que se eliminan al cerrar el navegador web. Las cookies persistentes son unidades de información que se almacenan en su computadora hasta que se eliminan. Las cookies persistentes se eliminan automáticamente después de un período determinado, pero se renuevan cada vez que visita el sitio web. AstroPay utiliza cookies de sesión y persistentes. Lea más sobre esto más adelante en la sección 7.6, donde también encontrará una descripción general de las cookies específicas que utilizamos. 7.2 El propósito de las cookies. Las cookies se pueden usar para varios propósitos, pero en esencia se usan para guardar información sobre su actividad en Internet. Las cookies contienen información que, posteriormente, puede ser leída por un servidor web del dominio que emitió la cookie en cuestión. Esto significa que el sitio web correspondiente lo recordará la próxima vez que lo visite. Recopilamos información a través de cookies para mejorar su experiencia de usuario en nuestro sitio web y nuestros productos, proporcionar y mejorar la usabilidad y la funcionalidad, generar estadísticas, análisis y revisiones del rendimiento del sitio web, recordar sus preferencias, fines de marketing, rastrear su ubicación y personalizar nuestra publicidad en las plataformas de redes sociales. La ventaja para usted es que ahorrará tiempo la próxima vez que visite el sitio web, ya que no tendrá que volver a introducir la misma información y que el contenido se ajustará a sus preferencias. 7.3 ¿Durante cuánto tiempo se almacenan las cookies? Las cookies se pueden almacenar durante períodos de tiempo variables en su navegador o dispositivo. Las cookies de sesión se eliminan de su ordenador o dispositivo cuando cierra el navegador web. Las cookies persistentes permanecerán almacenadas en su ordenador o dispositivo hasta que se eliminen o lleguen a su fecha de caducidad. Encontrará información sobre los períodos de retención específicos de las distintas cookies en la declaración de cookies que aparece a continuación. 7.4 Tipos de cookies. Hay 4 tipos de cookies que funcionan en nuestro sitio web: 7.4.1 Lo esencial. Algunas cookies son esenciales para que pueda disfrutar de la funcionalidad completa de nuestro sitio web. Sin estas cookies, la mayoría de las partes de nuestro sitio web no funcionarán como deberían. 7.4.2 Los personalizadores. Estas cookies (también denominadas cookies funcionales) permiten que nuestro sitio web recuerde sus preferencias, lo que le ayuda a personalizar su experiencia. De este modo, podemos recordarte cuando vuelvas a visitar nuestro sitio web, evitar mostrarte las notificaciones que ya has visto y descartadas, mostrarte las opciones de pago y las ofertas disponibles en tu país o específicamente para ti, ofrecerte soporte por chat en vivo y otros servicios similares. 7.4.3 Los mejoradores del rendimiento. Estas cookies nos informan sobre cómo utiliza el sitio web y nos ayudan a mejorarlo. Por ejemplo, estas cookies cuentan el número de visitantes a nuestro sitio web y ven cómo se mueven los visitantes del sitio web cuando lo utilizan. Esto nos brinda información invaluable para comprender las preferencias de los usuarios y diseñar nuestro sitio web para mejorar nuestro sitio web en consecuencia. Estas son las cookies que nos permiten ofrecerle un mejor servicio cada día. 7.4.4 Los anunciantes. Estas cookies (también llamadas cookies publicitarias) se utilizan para rastrear la eficacia de nuestras campañas publicitarias en sitios web de terceros, que es posible que haya visto o incluso conocido sobre AstroPay a través de ellos. Estas cookies las colocan en nuestro sitio web nuestros proveedores de servicios externos, pueden recordar su actividad de navegación web y pueden usarse para comprender sus datos demográficos, como la edad y el sexo. 7.5 Cookies de terceros. Para seguir desarrollando y mejorando el sitio web, utilizamos cookies de ciertos terceros. Los propósitos son la preparación de estadísticas y análisis del comportamiento en línea. Los terceros colocan las cookies en su ordenador en nuestro nombre y elaboran las estadísticas, etc. Los terceros utilizados figuran en la siguiente declaración sobre cookies. 7.6 Declaración de cookies. Declaración de cookies actualizada por última vez el 16 de septiembre de 2022 por WordPress.org: 7.7 Eliminación de cookies. Siempre puede rechazar o deseleccionar la ubicación de las cookies en su computadora cambiando la configuración de su navegador o visitando la representación permanente del banner de cookies disponible en nuestro sitio web. Tenga en cuenta que si opta por no participar, hay muchas funciones y servicios en nuestro sitio web que no puede usar porque requieren que el sitio web recuerde las elecciones que realiza. Las cookies que haya aceptado anteriormente se pueden eliminar fácilmente posteriormente. Si utiliza un ordenador con un navegador más reciente, puede eliminar las cookies con las teclas de acceso directo: CTRL + SHIFT + Eliminar. Si los atajos de teclado no funcionan o si utilizas un MAC, debes empezar por averiguar qué navegador estás utilizando y, a continuación, hacer clic en el enlace correspondiente con instrucciones sobre cómo inhabilitar las cookies: Guía — Guía de Firefox — Guía de Google Chrome — Guía de Edge — Guía de Safari — Guía de MS Edge. Tenga en cuenta que si utiliza varios navegadores de Internet, debe eliminar las cookies de todos sus navegadores. AstroPay ha implementado una serie de medidas para proteger sus datos personales y garantizar sus derechos. Como sujeto de datos, puede ejercer los derechos que se enumeran a continuación. Tenga en cuenta que es posible que se apliquen ciertas limitaciones a su capacidad para ejercer estos derechos, por ejemplo, cuando se descubra que su derecho a obtener la información queda invalidado por consideraciones esenciales de interés privado. Como interesado, tiene los siguientes derechos específicos, a menos que la legislación de protección de datos disponga lo contrario de manera excepcional: derecho de acceso, derecho de rectificación, derecho de borrado («derecho al olvido»), derecho a la restricción del procesamiento, derecho a la portabilidad de los datos, derecho a oponerse, derecho a presentar una queja ante el regulador del Reino Unido por cuestiones de protección de datos. Si no está de acuerdo con la forma en que AstroPay procesa sus datos personales, puede presentar una queja ante el regulador del Reino Unido por cuestiones de protección de datos. Si no está de acuerdo con la forma en que AstroPay procesa sus datos personales, puede presentar una queja ante el regulador del Reino Unido por cuestiones de protección de datos.'s Office («ICO»), el regulador del Reino Unido para cuestiones de protección de datos, utilizando los datos de contacto que están disponibles en www.ico.org.uk. Sin embargo, esperamos que se ponga en contacto con nosotros primero, utilizando los datos de contacto que figuran a continuación, para que podamos llegar a un acuerdo. Derecho a retirar un consentimiento anterior. Si el procesamiento de sus datos personales se basa en su consentimiento en virtud del artículo 6 (1) (a) del RGPD del Reino Unido, tiene derecho a retirar su consentimiento en cualquier momento. Tenga en cuenta que su revocación no afecta a la legalidad del procesamiento anterior de sus datos personales, que hasta su retirada se ha basado en su consentimiento. Si desea ejercer alguno de los derechos antes mencionados, o si desea retirar un consentimiento anterior, puede ponerse en contacto con nosotros en dataprotection@astropay.com. Para procesar su solicitud, necesitamos que nos proporcione la siguiente información: Si tiene alguna pregunta relacionada con esta Política, desea ejercer los derechos mencionados anteriormente o no está de acuerdo con la forma en que AstroPay procesa sus datos personales, puede ponerse en contacto con AstroPay en dataprotection@astropay.com. También puedes presentar una queja ante la ICO, que es una autoridad pública independiente que se encarga de supervisar y hacer cumplir la aplicación del RGPD del Reino Unido. La información de contacto de la ICO está disponible en su sitio web: www.ico.org.uk. AstroPay tiene el derecho de modificar esta Política con respecto a nuevas tecnologías, requisitos reglamentarios u otros fines. Por este motivo, visite esta página periódicamente. A continuación se destaca la fecha en la que se subió la última versión de esta Política. Fecha de la versión más reciente de esta Política: [11] de octubre de 2022. --- ### Page: https://www.astropay.com/pt/politica-de-privacidade Title: Política de Privacidade - AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/politica-de-privacidade ## Headings Structure: H1: Política de Privacidade e Cookies da Astro Instituição de Pagamento Ltda. H3: Conteúdo da Política H3: 1. Como coletamos Dados Pessoais‍ H3: 2. Tipo de Dados Pessoais que coletamos H3: 3. Como tratamos seus Dados Pessoais H3: 4. Como compartilhamos seus Dados Pessoais H3: 5. Tomada de decisão automatizada H3: 6. Por quanto tempo mantemos seus Dados Pessoais? H3: 7. Medidas de Segurança H3: 8. Seus Direitos H3: 9. Alterações na Política H3: 10. Fale Conosco H2: Baixe o app do AstroPay ## Main Content: H1: Política de Privacidade e Cookies da Astro Instituição de Pagamento Ltda. H4: ‍ H3: Conteúdo da Política H4: ‍ H4: ‍ H3: 1. Como coletamos Dados Pessoais‍ H3: 2. Tipo de Dados Pessoais que coletamos H4: ‍ H4: 2.1. Informações de navegação. H4: 2.2. Informações de cadastro. Podemos coletar seus Dados durante o uso ou cadastro no Aplicativo tais como: H4: ‍ H4: ‍ H4: ‍ H3: 3. Como tratamos seus Dados Pessoais H4: ‍ H4: ‍ H4: ‍ H4: ‍ H3: 4. Como compartilhamos seus Dados Pessoais H4: ‍ H3: 5. Tomada de decisão automatizada H4: ‍ H4: ‍ H3: 6. Por quanto tempo mantemos seus Dados Pessoais? H4: ‍ H3: 7. Medidas de Segurança H4: ‍ H4: ‍ H3: 8. Seus Direitos H4: ‍ H4: ‍ H4: ‍ H4: ‍ H4: ‍ H4: ‍ H3: 9. Alterações na Política H4: ‍ H3: 10. Fale Conosco H2: Baixe o app do AstroPay A Astro Instituição de Pagamento Ltda. ("Astro"), empresa constituída no Brasil, sob o CNPJ/MF 34.006.497/0001-77, está comprometida com a proteção da privacidade de nossos clientes e interessados. Por isso, levamos nossas responsabilidades de proteção de dados extremamente a sério. Esta política de privacidade (“Política”), disponível neste link e em Aplicativos e Serviços (“Aplicativo”), explica para o titular dos dados pessoais (“Você”), como a Astro trata os seus dados pessoais. Esta Política de Privacidade define quais Dados Pessoais coletamos, como os processamos e por quanto tempo geralmente os retemos, juntamente com detalhes de seus direitos como titular de dados. Cada termo iniciado em letra maiúscula utilizado nesta Política é um termo definido e tem um significado a ele atribuído na Política ou nos Termos e Condições aplicáveis. Se Você for um cliente ou usuário de nossos serviços, esta Política de Privacidade será aplicada junto com os Termos e Condições e/ou outros documentos contratuais, incluindo, mas não se limitando a contratos que tenhamos celebrado com Você. A Astro reserva o direito de publicar políticas separadas em relação a outros interessados relevantes, como nossos funcionários e/ou nossos parceiros comerciais. Caso você não seja um interessado, cliente ou usuário de nossos serviços, mas está usando nosso site, esta Política de Privacidade também se aplica a você, juntamente com nossa Política de Cookies. Se você não aceitar essas Políticas, deve interromper imediatamente o uso de nosso site. Nosso site foi projetado para que você possa acessá-lo e utilizá-lo sem precisar fornecer seus Dados Pessoais, com exceção de alguns dados que podem ser coletados por meio do uso de cookies. Portanto, a presente Política deve ser lida em conjunto com nossa Política de Cookies, que fornece mais detalhes sobre o uso de cookies neste site. Conforme indicado acima, nossa Política de Cookies pode ser acessada pelo mesmo link. Nesta Política, “Dados Pessoais” significa qualquer informação relacionada a Você como pessoa física identificada ou identificável; uma pessoa física identificável é aquela que pode ser identificada, direta ou indiretamente, em particular por referência a um identificador, como nome, identificador online ou a um ou mais fatores específicos de sua identidade física, fisiológica, genética, mental, econômica, cultural ou social. Para evitar dúvidas, Dados Pessoais não incluem dados pelos quais Você não pode ser identificado (que são denominados simplesmente como dados, dados não pessoais, dados anônimos, ou dados não identificados). Nesta Política, “tratamento” significa qualquer operação ou conjunto de operações que é efetuado sobre os Dados Pessoais ou em conjuntos de Dados Pessoais, por meios automatizados ou não, tais como coleta, gravação, organização, estruturação, armazenamento, adaptação ou alteração, retenção, consulta, uso, divulgação por transmissão, disseminação ou então disponibilização, alinhamento ou combinação, restrição, exclusão ou destruição. 1. Como coletamos seus Dados Pessoais 2. Tipo de Dados Pessoais que coletamos 2.1. Informações de navegação. 2.2. Informações de cadastro. 3. Como tratamos seus Dados Pessoais 4. Como compartilhamos seus Dados Pessoais 5. Tomada de decisão automatizada 6. Por quanto tempo mantemos seus Dados Pessoais? 7. Medidas de Segurança 9. Alterações na Política Coletamos Dados Pessoais sobre Você quando Você: Você, ao usar nossos serviços, está ciente que deve fornecer apenas Dados verdadeiros, atuais e precisos e que não deturpe a sua identidade ou seus Dados bancários de qualquer forma no acesso e na utilização dos Aplicativos e Serviços. Você será o único responsável pelas informações falsas, excessivas ou imprecisas que fornecer através do Aplicativo e pelos danos, diretos ou indiretos, que isso cause à Astro ou a terceiros. Os Dados Pessoais tratados são segmentados em algumas categorias, tais como: Podemos coletar durante o seu acesso ao Aplicativo, mesmo que Você não esteja cadastrado ou 'logado': Também poderemos pedir que Você forneça uma comprovação de sua identidade, por exemplo, solicitando uma cópia de seu Passaporte, Carteira de Habilitação, Comprovante de Residência ou de Renda, ou qualquer Cédula de Identidade relevante emitida por uma jurisdição não proibida. Somos obrigados a solicitar essas informações para cumprir com a legislação de combate à lavagem de dinheiro (AML), como a Lei de Produtos de Crime 13.106/2015, para garantir que estejamos salvaguardados contra atividades suspeitas e denunciemos as mesmas. Dados Biométricos: Podemos coletar seus dados biométricos, tais como a fotografia do seu rosto, sua impressão digital e/ou biometria facial para desbloqueio de aplicativo por meio de dispositivo (impressão digital, Touch ID e Face ID), e reconhecimento facial para fins de autenticação, são usados para sua própria segurança, especialmente com o único propósito de prevenir tentativas suspeitas de acesso à sua conta. Não divulgaremos quaisquer dados biométricos para qualquer pessoa que não sejam nossos provedores de verificação de identidade, ou quando exigido pelas leis e regulamentações aplicáveis, ou conforme uma ordem judicial. Nunca vendemos, cedemos, negociamos ou de outra forma obtemos benefícios com seus dados biométricos. Tratamos os seus Dados Pessoais de acordo com as seguintes finalidades e respectivas bases legais que autorizam o seu tratamento: (i) Prestação de serviços e gestão: Base Legal: Cumprimento de obrigação legal ou regulatória, (cumprimento de contrato com Você) e legítimo interesse (desenvolver e aprimorar nossos serviços, garantir prevenção e segurança das operações, incluindo outras atividades que beneficiem Você e a nossa plataforma). (ii) Melhorias no serviço: Base Legal: Cumprimento de obrigação legal ou regulatória (cumprimento de contrato com Você) e legítimo interesse (desenvolver e aprimorar nossos serviços, garantir prevenção e segurança das operações, incluindo outras atividades que beneficiem Você e a saudabilidade da nossa plataforma). (iii) Marketing Direcionado: Se Você não quiser que suas informações pessoais sejam usadas para fins de marketing, fique à vontade para cancelar a inscrição dos e-mails marketing disponível em todos os e-mails que enviamos no link ao final da mensagem. Base Legal: Consentimento e legítimo interesse (desenvolver e aprimorar nossos serviços e oferecer a você produtos e serviços que possam lhe interessar e beneficiar, como dicas de segurança, informações para identificar ou prevenir fraudes, entre outros). Podemos compartilhar seus Dados Pessoais com terceiros (incluindo entidades do grupo econômico de empresas ao qual pertencemos) se acreditarmos que o compartilhamento de seus Dados Pessoais está de acordo ou exigido por qualquer relação contratual com Você ou Conosco, lei aplicável, legislação ou processo legal. Também podemos ser obrigados por lei ou por um tribunal a divulgar certas informações sobre você ou qualquer compromisso que possamos ter com você às autoridades regulatórias, policiais e/ou outras autoridades competentes relevantes. Divulgaremos informações sobre você às autoridades públicas na medida em que formos obrigados a fazê-lo de acordo com a lei. Também podemos precisar compartilhar suas informações para fazer valer ou aplicar nossos direitos legais. Desta forma, ao aceitar os termos desta Política, você concorda que seus dados de identificação, bem como os dados relacionados às transações, ou tentativas de transações com a sua conta, sejam compartilhadas pela Astro com autoridades e outras instituições reguladas pelo Banco Central do Brasil, tendo como finalidade o tratamento e o compartilhamento de dados e informações sobre indícios de fraudes, no âmbito da Resolução Conjunta n° 6 de 23/5/2023. Além disso, seus Dados Pessoais também podem ser compartilhados e processados por nós e/ou outros membros subsidiários ou afiliadas do grupo econômico de empresas a que pertencemos, agentes, vendedores, consultores ou fornecedores, bem como quaisquer outros prestadores de serviços terceirizados que estão realizando determinados serviços em nosso nome (por exemplo, prestadores de serviços terceirizados, advogados externos, instituições financeiras, etc.). Esses terceiros terão acesso aos seus Dados Pessoais exclusivamente para fins de execução dos serviços especificados no contrato aplicável ou para cumprir as leis aplicáveis e não para qualquer outro propósito. Esses terceiros não têm permissão para usar suas informações pessoais para seus próprios fins, e exigimos que esses terceiros tomem medidas de segurança consistentes com as proteções especificadas nesta Política de Privacidade e lei aplicável. Sendo assim, podemos compartilhar e divulgar seus Dados Pessoais das seguintes formas ou para qualquer outra finalidade divulgada no momento da coleta: Não usamos métodos automatizados de tomada de decisão (incluindo criação de perfis), mas podemos marcar nossos clientes com perfil de risco em conformidade com a legislação aplicável contra lavagem de dinheiro. Isso significa que as decisões não são feitas por robôs ou computadores e, portanto, não são “automatizadas”. No entanto, alguns terceiros podem usar certas ferramentas ou software automatizados de tomada de decisão. Não somos responsáveis pelas práticas de privacidade de terceiros e tomaremos as medidas cabíveis para chamar sua atenção para essa tomada de decisão automatizada, mas recomendamos que Você se familiarize com as práticas de privacidade de terceiros com os quais Você tenha acordos. Mantemos seus Dados Pessoais apenas pelo tempo necessário para os fins para os quais processamos as informações conforme estabelecido nesta Política. Os registros podem ser mantidos em uma variedade de formatos de mídia (física ou eletrônica), mas sempre com a garantia de que qualquer retenção de dados pessoais seja adequada e precisa. Os períodos de retenção são determinados com base no tipo de registro, na natureza do registro e na atividade dos requisitos legais ou regulamentares que se aplicam a esses registros. Normalmente, os dados pessoais coletados de acordo com nossas obrigações legais (como AML) são mantidos por 5 anos. No entanto, podemos manter seus Dados Pessoais por um período mais longo, quando tal retenção for necessária para o cumprimento de uma obrigação legal a qual estamos sujeitos, ou quando tivermos uma finalidade legítima de tratamento. Temos medidas de segurança física, técnica e administrativa adequadas para evitar que suas informações sejam acidentalmente perdidas, usadas, acessadas, alteradas ou divulgadas de forma não autorizada. Tomamos precauções substanciais para garantir a segurança de seus dados. Além disso, limitamos o acesso aos seus Dados Pessoais aos funcionários, agentes, contratados e outros terceiros que têm a necessidade comercial de conhecê-los. Eles só irão processar seus Dados Pessoais de acordo com nossas instruções e estão sujeitos ao dever de confidencialidade e ao dever de cumprir os procedimentos de proteção de dados. Implementamos procedimentos para lidar com qualquer suspeita de violação de Dados Pessoais e notificaremos Você e qualquer regulador aplicável de uma violação quando formos legalmente obrigados a fazê-lo. Você tem certos direitos sob a legislação aplicável e, em particular, sob a Lei Geral de Proteção de Dados (Lei nº 13.709, de 14 de Agosto de 2018). Nós os explicamos a seguir: a) Informação fidedigna e o seu direito de acesso: Você tem o direito de ser informado sobre o processamento de seus Dados Pessoais e esta Política pretende fornecer as informações sobre como Você deve proceder. Você também tem o direito de acessar as informações que mantemos sobre você. Estamos felizes em fornecer detalhes de seus Dados Pessoais que mantemos ou processamos. Para proteger seus Dados Pessoais, seguimos procedimentos definidos de armazenamento e divulgação, o que significa que exigiremos prova de identidade de Você antes de divulgar essas informações. Você pode exercer esse direito a qualquer momento entrando em contato conosco usando os detalhes encontrados nesta política. b) Direito à retificação Você tem o direito de ter quaisquer informações pessoais imprecisas sobre você retificadas e de ter quaisquer informações pessoais incompletas sobre você completadas. Você também pode solicitar que restrinjamos o processamento dessas informações. c) Direito ao apagamento Você tem o direito geral de solicitar o apagamento de suas informações pessoais nas seguintes circunstâncias: - As informações pessoais não são mais necessárias para a finalidade para a qual foram coletadas; - Você retira seu consentimento para o processamento baseado em consentimento e nenhuma outra justificativa legal para o processamento se aplica; - Você se opõe ao processamento para fins de marketing direto; - Processamos ilegalmente suas informações pessoais; e - O apagamento é necessário para cumprir uma obrigação legal que se aplica a nós. Continuaremos a cumprir uma solicitação de exclusão sem demora e na medida em que pudermos fazê-lo, a menos que a retenção contínua seja necessária para: - Exercício do direito de liberdade de expressão e informação; - Cumprimento de uma obrigação legal nos termos da Lei Geral de Proteção de Dados ou outra lei aplicável; - A execução de uma tarefa de interesse público; - Fins de arquivamento de interesse público, fins de pesquisa científica ou histórica, ou fins estatísticos, em determinadas circunstâncias; e/ou - O estabelecimento, exercício ou defesa de ações judiciais. d) Direito de restringir o processamento e direito de se opor ao processamento Você tem o direito de restringir o processamento de suas informações pessoais, como por exemplo: - Quando Você contesta a exatidão das informações pessoais; - Quando o processamento for ilegal, Você pode solicitar, em vez de solicitar o apagamento, que restrinja o uso das informações pessoais processadas ilegalmente; - Quando não precisamos mais processar suas informações pessoais, mas precisamos reter suas informações para o estabelecimento, exercício ou defesa de ações judiciais. Você também tem o direito de se opor ao processamento de suas informações pessoais em determinadas circunstâncias, como quando o processamento é baseado em seu consentimento e Você retira esse consentimento. Isso pode afetar os serviços que podemos fornecer, e explicaremos isso a você se decidir exercer esse direito. e) Direito à portabilidade de dados: Quando a base legal para o nosso processamento for o seu consentimento ou o processamento for necessário para a execução de um contrato do qual Você é parte ou para tomar medidas a seu pedido antes de celebrar um contrato, você tem o direito de receber os dados pessoais que Você nos forneceu em um formato estruturado, comumente usado e legível por máquina, ou nos peça para enviá-las a outra pessoa. f) Direito à liberdade de tomada de decisão automatizada Não usamos a tomada de decisão automatizada, mas onde ocorre qualquer tomada de decisão automatizada, você tem o direito, neste caso, de expressar seu ponto de vista e contestar a decisão, bem como solicitar que as decisões baseadas no processamento automatizado a seu respeito ou que o afetem significativamente e com base em seus Dados Pessoais são feitos por pessoas físicas, não apenas por computadores. g) Direito de se opor ao marketing direto ('opting out'): Você pode escolher se deseja ou não receber nossas informações. h) Direito de retirar o consentimento Quando a base legal para o processamento de suas informações pessoais for o seu consentimento, você tem o direito de retirar esse consentimento a qualquer momento entrando em contato conosco usando os detalhes encontrados nesta política. i) Levantar uma reclamação sobre como lidamos com seus Dados Pessoais Se você deseja fazer uma reclamação sobre como lidamos com seus Dados Pessoais, entre em contato conosco usando os detalhes encontrados nesta política. A Astro poderá alterar as disposições desta Política a qualquer critério e a qualquer tempo. Toda vez que a Política for alterada na forma prevista na LGPD (art. 8º, §6), essas alterações serão válidas, eficazes e vinculantes após: (1) serem divulgadas no Aplicativo; e (2) serem enviadas por e-mail a Você; e/ou (3) serem comunicadas de qualquer outra forma a Você. Toda vez que a Política for alterada, essas alterações serão divulgadas no nosso website e Aplicativo e poderão ser enviadas por e-mail. Você deverá verificar a versão atualizada desta Política toda vez que visitar o Aplicativo. Segundo a Lei nº 13.709/2018, a Astro é considerada o “Controlador” dos seus Dados Pessoais. Temos o compromisso de cumprir as leis e regulamentos relativos a dados pessoais e ajudar nossos usuários a ter total visibilidade e controle sobre seus dados pessoais. Portanto, se você quiser obter uma cópia de seus Dados Pessoais processados nos termos desta Política; ou você quiser exercer qualquer um de seus direitos como titular dos dados pessoais conforme estabelecido nesta Política; ou se você tiver dúvidas relacionadas a esta Política, por favor, faça sua solicitação através do seguinte link dataprotection@astropay.com. --- ### Page: https://www.astropay.com/da/privacy-policy Title: Privacy Policy - AstroPay Language: da Canonical URL: https://www.astropay.com/da/privacy-policy ## Headings Structure: H1: Privatlivspolitik for AstroPay som tjenesteudbyder i EU H2: Download AstroPay-appen ## Main Content: H1: Privatlivspolitik for AstroPay som tjenesteudbyder i EU H2: Download AstroPay-appen --- ### Page: https://www.astropay.com/privacy-policy Title: Privacy Policy - AstroPay Language: en Canonical URL: https://www.astropay.com/privacy-policy ## Headings Structure: H1: PRIVACY POLICY UK & REST OF THE WORLD H2: Get the
AstroPay App ## Main Content: H1: PRIVACY POLICY UK & REST OF THE WORLD H4: 1. INTRODUCTION H4: 2. CATEGORIES OF PERSONAL DATA, PURPOSE, AND LEGAL BASIS H4: 3. RECIPIENTS OF YOUR PERSONAL DATA H4: 4. TRANSFER OF YOUR PERSONAL DATA TO A THIRD COUNTRY (OUTSIDE OF EU/EEA) H4: 5. STORAGE OF YOUR PERSONAL DATA H4: 6. SOCIAL MEDIA H4: 7. USE OF COOKIES H4: 8. YOUR RIGHTS H4: 9. QUESTIONS OR COMPLAINTS H4: 10. AMENDMENTS ON THIS POLICY H2: Get the
AstroPay App At AstroPay we understand the importance of treating the personal data of our business partners, website visitors and other persons we may interact such as potential users with in a confidential and private manner. AstroPay is committed to following the requirements and obligations in relation to data privacy in accordance with applicable law, including (i) the UK Data Protection Act 2018; and (ii) the EU law version of the General Data Protection Regulation ((EU) 2016/679) as amended and adopted by UK law by virtue of section 3 of the European Union (Withdrawal) Act 2018 (the “UK GDPR”). Therefore, we have secure and adequate data processing procedures in place. AstroPay is short for and the brand name of the AstroPay Group under which the legal entities Larstal Limited, C/O Kirk Rice LLP Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, business registration number 11970628, (“Larstal Limited”) and AP Global Corporation LLP, 4 King’s Bench Walk, Temple, London, EC4Y 7DL, England, business registration number OC346322 (“AP Global”) belong. For the purpose of the brand and the general recognisability, Larstal Limited and AP Global is referred to as AstroPay in this privacy and cookie policy (“Policy”). The data controller for the processing of your personal data is AP Global.  Below, AstroPay has provided an overview of the processing activities in which personal data are processed, including among others the purpose thereof and the legal basis. If you have any question about this Policy or you wish to exercise your data subject rights pursuant to Chapter III of the UK GDPR and according to section 8 of this Policy, please contact AstroPay by sending an email to dataprotection@astropay.com. 2.1 Website visitors. When you visit AstroPay’s website: www.AstroPay.com (“Website”), AstroPay will process personal data about you, for instance, cookies, browser type and version, IP-address, and length of visit. The purpose of using cookies is, to improve your user experience on our website, to provide functionality, to generate statistics, to target the marketing of our products to your needs, and to remember your preferences. Find more information about your use of cookies in Section 7 below. The legal basis for the processing of your personal data is AstroPay’s legitimate earnings and it is AstroPay’s assessment that our legitimate earnings override your earnings or fundamental rights and freedoms do not override those earnings, under Art. 6(1)(f) of the UK GDPR. The legitimate earnings pursued are to provide you with a website that works optimally, a good website experience and marketing activities. In certain cases, the legal basis for the processing of your personal data in this regard is your consent, which you will be asked to give when you visit the Website, under Art. 6(1)(a) of the UK GDPR. 2.2 Contact persons at a business partner and other persons AstroPay interacts with. As a contact person at a business partner and as other persons we interact with, e.g. resellers, affiliates or potential Users, AstroPay processes your personal data when you communicate with AstroPay, e.g., via emails in connection with AstroPay’s existing contractual relation with the company you are employed with or in connection with the conclusion or termination of a contract. AstroPay processes ordinary personal data about you, including your name, email address, telephone number, position, etc. The legal basis for such processing of your personal data is that the processing is necessary for the purposes of legitimate earnings pursued by AstroPay and it is AstroPay’s assessment that our legitimate earnings override your earnings or fundamental rights and freedoms, cf. Art. 6(1)(f) of the UK GDPR. AstroPay’s legitimate earnings are fulfilment of our contractual obligations, maintaining and enhancing business relationships, invoicing for the services your company provides to AstroPay and/or vice versa, communicating with you if you have any questions related to our services or vice versa, and for documentation purposes in the event you agree on matters relating to our services in writing via email. In some cases, processing of personal data is necessary in order to comply with a legal obligation to which AstroPay is subject. In such cases, the legal basis for the processing is Art. 6(1)(c) of the UK GDPR. 2.3 Online contact form inquiries and live chat support function. When you use our online contact form or our live chat support function, we process the information you provide in order to deal with your inquiries, such as name, email address, phone number and the content of your inquiry. AstroPay will not process special categories of personal data (sensitive personal data) about you, e.g. health information, unless you have provided us with such information in your inquiry. AstroPay kindly encourages you not to submit such sensitive personal data. The legal basis for the processing of personal data is AstroPay’s legitimate earnings and it is our assessment that our legitimate earnings override your earnings and fundamental rights and freedoms, under Art. 6(1)(f) of the UK GDPR. The legitimate earnings pursued are to provide support to our business partners by answering the inquiries and business development. 2.4 Social media. We use certain social media to get in touch with our customers and potential customers, as well as promote our marketing initiatives. If you have been to these sites and “liked” or “followed” our fan page or have been in contact with us through these sites, we will process your personal data. We only process information about your name and email. If you contact us via social medias, we process your information based on our earnings in being able to contact you and respond to your inquiries (GDPR art. 6(1)(f)). The information will come from you and the social media through which you contact us. We have a so-called joint controllership with the social medias that we use as we both use your data for our own purposes. You can read more about the social media´s processing of your personal data in the following: Information processed in connection with social media that involves direct communication via the social media is deleted immediately. Posting on, for example, Facebook pages or in public groups are not deleted as a post or comment on Facebook pages or in public groups is considered public spaces. You can read about public spaces here. Where relevant, AstroPay may disclose or transfer your personal data to affiliates of AstroPay, business partners or other collaborators for business purposes. Such third parties also include social media providers, as described in section 6 below. In certain specific cases, e.g., in connection with disputes, including when the disclosure of your personal data is necessary for the establishment, exercise or defense of AstroPay’s legal claims, AstroPay may disclose your personal data to our advisers or other relevant third parties provided it is deemed necessary and lawful. Certain recipients process personal data on behalf of AstroPay and may only process your personal data in accordance with documented instructions given by AstroPay and further terms and conditions stated in a data processing agreement entered into with AstroPay. These data processors are not permitted to process your personal data for their own purposes. In certain cases, your personal data may be transferred to countries outside of the EU/EEA. AstroPay ensures that such transfer will be carried out in accordance with the applicable data protection laws. This entails that any party outside of the EU/EEA that will receive your personal data will ensure an adequate level of protection, for example, by entering into the EU standard contractual clauses (“SCCs”) and the UK international data transfer addendum (“IDTA”) with AstroPay. AstroPay will ensure the implementation of supplementary safeguards if deemed necessary in the specific case. You may receive a copy of the legal basis for transfers upon request. Please contact dataprotection@astropay.com. AstroPay will only store your personal data as long as it is deemed necessary to fulfil the purposes for the processing of your personal data. 5.1 Website visitors Personal data collected via cookies through use of our website are stored for different periods depending on the type and purpose of the cookie in question. See section 7 below. Personal data collected in relation to the use of social media will be erased when the content is deleted or when you withdraw your response to our content (likes, sharing, etc.). See more in section 6 below. 5.2 Contact person at a business partner and other persons we interact with. If you are a contact person at a business partner or other persons we interact with, AstroPay will store personal data about you as long as AstroPay communicates with you because you are AstroPay’s point of contact, 3 years after termination of the contractual relationship, or until it is no longer necessary for the establishment, exercise, or defense of a legal claim. 5.3 Inquiries via online contact form and communication via live chat function. The inquiries and communication, e.g. from potential customers, will be deleted 1 year from the inquiry is resolved, unless it is deemed necessary to store such inquiries for documentation purposes e.g., due to a dispute, including for the establishment, exercise or defense of legal claims. 5.4 Bookkeeping material AstroPay will store your personal data to the extent it is necessary for bookkeeping purposes necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. Such personal data will be stored for a period of 5 years from the end of the financial year to which the accounting records relate. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you. Our website uses social media plug-ins (“Plug-ins”) from the social networking sites Facebook, Instagram, LinkedIn, YouTube, TikTok, and Twitter. When you visit our social media sites on Facebook, Instagram and LinkedIn or our Website where social media Plugins have been installed, our social media service providers collect and process your personal data using cookies, subject to your consent to the service provider, as applicable. Such collection and processing take place even if you have no account on the social media. If you access our website using such a Plug-in, your browser will contact the server of the underlying social networking site, load the visual presentation of the Plug-in, and present it to you. While this is happening, the social networking site receives information concerning your visit to our website, as well as further data such as your IP address. AstroPay receives anonymous demographic and geographic statistics from the social media on the visitors on our website and our social media sites. AstroPay is a joint data controller with our social media providers for personal data collected and processed in connection with your visit to our social media sites and our website. It means, among other things, that you may contact both AstroPay and the social media providers to exercise your rights under the UK GDPR. The social media providers have primary responsibility for ensuring compliance with the UK GDPR and responding to requests from visitors on their sites. If you are registered as a user of the special media providers, you may exercise your rights via your account settings on their sites. We have no influence on the amount of data that social networking sites collect via an active Plug-in. For more information, please consult the relevant data privacy notice: Facebook: www.facebook.com/policy ‍Instagram: https://help.instagram.com/519522125107875/?maybe_redirect_pol=0 LinkedIn: https://www.linkedin.com/legal/privacy-policy YouTube: https://www.youtube.com/intl/ALL_ie/howyoutubeworks/our-commitments/protecting-user-data/ ‍TikTok: https://www.tiktok.com/legal/privacy-policy-eea?lang=en ‍Twitter: https://twitter.com/en/privacy. When you visit www.AstroPay.com for the first time, you will be asked to give your explicit consent to the use of cookies on the Website or decline the use of all or some of the cookies. Please note that the use of functionality cookies does not require your consent, as such cookies are necessary for the function of the Website. We encourage you to accept the cookies used by the Website, because it will help us improve you and other people’s experience when visiting the Website. If you decline the use of cookies, there may be a variety of functionalities on the Website, which you cannot utilise. When you use our website, we do not register any information that can identify you directly, such as name and address. However, we register how you navigate around the site, so we can learn more about how our site is used, and we register your IP-address, which can identify indirectly. 7.1 What are cookies. A cookie is a text file that is sent to your browser from our website and saved on your computer, phone or whichever device you use to access the internet. However, the meaning of the word “cookies” in this Policy and in the cookie consent text also includes other kinds of automated data collection, e.g. Flash-cookies (Local Shared Objects), Web Storage (HTML5), JavaScript’s or cookies placed by the use of other kinds of software.  There are basically two types of cookies – so-called session cookies and persistent cookies. Session cookies are information units that are deleted when you close your web browser. Persistent cookies are information units that are stored on your computer until they are deleted. Persistent cookies delete themselves after a certain period but are renewed each time you visit the Website. AstroPay uses both session and persistent cookies. Read more about this below in section 7.6 where you will also find an overview of the specific cookies we use. 7.2 The purpose of cookies. Cookies may be used for a number of purposes, but in essence they are used to save information about your activity on the internet. Cookies contain information that later in time can be read by a web server on the domain that issued the cookie in question. This means that the relevant website remembers you the next time you visit it. We collect information via cookies in order to improve your user experience on our website and products, to provide and improve usability and functionality, to generate statistics, analysis and website performance reviews, to remember your preferences, marketing purposes, tracking of your location and to customize our advertising on social media platforms. The benefit for you is that you will save time next time you visit the Website, as you do not have to enter the same information again and that the content will be adjusted to your preferences. 7.3 How long are cookies stored? Cookies can be stored for varying lengths of time on your browser or device. Session cookies are deleted from your computer or device when you close your web-browser. Persistent cookies will remain stored on your computer or device until deleted or until they reach their expiry date. Find information on the specific retention periods of the various cookies in the cookie declaration below. 7.4 Types of cookies. There are 4 varieties of cookies which operate on our website: 7.4.1 The essentials. Some cookies are essential for you to be able to experience the full functionality of our website. Without these cookies, most parts of our website will not work as they should. 7.4.2 The customizers. These cookies (also called functional cookies) allow our website to remember your preferences, helping you to customise your experience. That way we can remember you when you return to our website, avoid showing you notifications you have already seen and dismissed, show you payment options and offers available in your country or specifically for you, provide you with Live Chat Support and other services of the sort. 7.4.3 The performance improvers. These cookies tell us about how you use the Website and they help us in making it better. For example, these cookies count the number of visitors to our website and see how website visitors move around when they are using it. This gives us invaluable information to understand user preferences and design to improve our website accordingly. These are the cookies that allow us to give you a better service every day. 7.4.4 The advertisers. These cookies (also called advertising cookies) are used to track the effectiveness of our ad campaigns on third party websites, which you may have seen or even got to know about AstroPay through them. These cookies are placed on our website by our third-party service providers, may remember your web browsing activity and may be used to understand your demographics, such as age and gender. 7.5 Third party cookies. In order to further develop and improve the Website, we use cookies from certain third parties. The purposes are preparation of statistics and analyses of online behavior. The third parties place the cookies on your computer on our behalf and prepare the statistics, etc. Third parties used are listed in the cookie declaration below. 7.6 Cookie declaration. Cookie declaration last updated on 16th September 2022 by WordPress.org: 7.7 Removal of cookies. You can always reject or deselect the location of cookies on your computer by changing the settings in your browser or by visiting the permanent representation of the cookie banner available on our website. Please note that if you opt out, there are many features and services on our website that you cannot use because they require the Website to remember the choices you make. Cookies that you have previously accepted can easily be deleted subsequently. If you use a computer with a newer browser, you can delete your cookies using the shortcut keys: CTRL + SHIFT + Delete. If the shortcut keys do not work and/or if you use a MAC, you must start by finding out which browser you are using, and then click on the relevant link with guidelines on how to opt out of cookies: Guidance – Firefox Guidance – Google Chrome Guidance – Edge Guidance – Safari Guidance – MS Edge. Note that if you use multiple internet browsers, you must delete cookies in all your browsers. AstroPay has implemented a number of measures to protect your personal data and ensure your rights. As a data subject, you can exercise the rights listed below. Please note that certain limitations may apply to your ability to exercise these rights, for example, when your right to obtain the information is found to be overwritten by essential considerations of private earnings. As a data subject you have the following specific rights, unless otherwise exceptionally provided by the data protection legislation: Right of access, Right of rectification, Right of erasure (“right to be forgotten”), Right to restriction of processing, Right to data portability, Right to object, Right to complain to the UK regulator for data protection issues.If you disagree with the way in which AstroPay processes your personal data, you may file a complaint with the Information Commissioner’s Office (“ICO”), the UK regulator for data protection issues, using the contact details that are available at www.ico.org.uk. However, we hope that you will contact us first, using the below contact details, so that we may reach agreement. Right to withdraw a former consent. If the processing of your personal data is based on your consent under Art. 6(1)(a) of the UK GDPR, you have the right to withdraw your consent at any time. Please note that your withdrawal does not affect the lawfulness of the previous processing of your personal data which until your withdrawal has been based on your consent. If you wish to exercise any of the above-mentioned rights, or if you wish to withdraw a former consent, you are welcome to contact us at dataprotection@astropay.com. To process your request, we need you to provide us with the following information: If you have any questions relating to this Policy, you wish to exercise your rights as mentioned above, or you disagree with the way AstroPay processes your personal data, you can contact AstroPay at dataprotection@astropay.com. You can also file a complaint to the ICO, which is an independent public authority that is responsible for monitoring and enforcing the application of the UK GDPR. The ICO’s contact information is available on its website: www.ico.org.uk. AstroPay has the right to modify this Policy regarding new technologies, regulatory requirements, or other purposes. For this reason, please visit this page periodically. Below is highlighted the date when the last version of this Policy has been uploaded.Date of the most recent version of this Policy: April 2024. --- ### Page: https://www.astropay.com/es/united-kingdom/cards Title: Cards Language: es-AR Canonical URL: https://www.astropay.com/es/united-kingdom/cards ## Headings Structure: H1: Terms and Conditions of Use for Visa Virtual Card H2: Descarga la app de AstroPay ## Main Content: H1: Terms and Conditions of Use for Visa Virtual Card H4: Information we collect H2: Descarga la app de AstroPay IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Card (as defined below), which are provided by Larstal Limited, a United Kingdom company with registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, (“we”, “us” or “our”) to any person whose application we approve (“you” or “your”). These Terms form a binding contract and apply only to your use of your Virtual Visa Card issued by Wallester AS, pursuant to a license from Visa (the “Card”). These Terms complement the separate customer agreement that you as a user enter into with your Card issuer Wallester AS available in the following link Wallester ASTerms and Conditions. These Terms are also complementary to the Terms and Conditions (the “General Terms”) accepted by you for the usage of your Larstal Account. In case of any inconsistency or discrepancy between these Terms and the General Terms, these Terms shall prevail. “Access Information” means your username, password, challenge questions, and any other security or access information required to access or use your Card or Larstal Account. “Applicable Law” means any law, rule or regulation of a federal, state, municipal of foreign or local government, or any rule or regulation of any clearing house or network involved in the transaction, which apply to the product and services provided to you under these Terms. “Card” means your virtual Visa Card issued by Wallester AS. “Card Number” means the unique 16-digit number embossed on your virtual Card, if applicable, used to identify your Card. “Card Transaction(s)” means using your Card to pay for goods and services online or over the phone. “Cardholder” means the person authorized to use the Card. Only one Cardholder is permitted per Card. “Issuer” means Wallester AS. “We” or “Larstal” means Larstal Limited, and its successors, assigns and affiliates. “Larstal Account” means the digital wallet account you have opened with Larstal and through which you access funds for use with your Card. “Larstal Account Transactions” for purposes of these Terms means any and all payments into or out of your Larstal Account that do not involve use of the Card. For the avoidance of doubt, Larstal Account Transactions are not covered by these Terms and are services provided to you under the General Terms. “You” and “your” mean the person who has requested the Card and is authorized to use the Card as provided for in these Terms. 2.1. The Card is issued by Wallester in Euros currency and is not a gift card or gift certificate, nor a credit card. The Card cannot be redeemed for cash, is not for resale and may not be transferred or assigned. It may be canceled, repossessed or revoked at any time without prior notice subject to applicable law. 2.2. The Card is not designed for business use. You acknowledge and undertake to only use your Card for purchases of goods and/or services and/or online payments. We may close your Larstal Account and/or your Card if we determine that it is being used for business purposes or any other purposes. We may refuse to process any Card Transaction that we believe may violate these Terms and/or Applicable Law. 2.3. The Card can be used to access and spend money stored in your Larstal Account. You can use the Card at any location that displays the Visa acceptance mark, including shops, restaurants, online or on the telephone. Larstal reserves the right to cancel or suspend your Card at any time for any reason. 2.4. You acknowledge and agree that the value available to spend with your Card is limited to the funds maintained in your Larstal Account. 2.5. You may not use your Card or Larstal Account to obtain cash anywhere, including an automatic teller machine or any point of sale device. 3.1. If applicable, We shall charge you the fees as set out in the Fees Schedule located in the website or mobile app. As that Schedule may be amended from time to time in accordance with this Clause (the “Fees”), you agree that any amount due and payable to us under these Terms may be deducted from your Card or Larstal Account, without further notice. We further reserve the right to change our Fees upon two (2) months notice given to you through the website or mobile app or by email prior to such changes going into effect. Such deductions may be made at any time, and without us notifying you, but these will be reflected in the information in your Larstal Account. 3.2. Your Card is subject to certain spending transaction limits. You can find more information about these transaction limitations on the website or mobile app, or by contacting support at support@larstal.com. We reserve the right to increase or decrease your limit at any time or add additional limitations to your use of the Card in our sole discretion without notice to you except as required by law, for security, risk or other reasons. 4. Address or Name Changes All information you provide during the onboarding process for a Card or any time thereafter must be complete, accurate and truthful. You are responsible for keeping your mailing address, email address, telephone number, and other contact information with us up-to-date. If you need to make changes to your profile after your Card has been issued, you can update your information by logging into your Larstal Account or by contacting the Larstal Support Team. 5.1. You should not share your Virtual Card number, its Card Verification Value “CVV” and/or expiry dates with anyone. Do not send your Virtual Card details in an email or text message. Make sure your Virtual Card details are secured with encryption when you use your Virtual Card to perform transactions over the Internet or wireless networks. 5.2. You are responsible for maintaining adequate security and control of your Card, or any other details that you use to access your Larstal Account. If you know or suspect that your Card or Card Number has been lost, stolen or otherwise compromised, please let Larstal know immediately by contacting the Support Team or reporting your Card lost or stolen in your Larstal Account or through the Mobile App (if and when available). Any undue delay may result in you being liable for any losses where your failure to notify us is intentional or grossly negligent. If you suspect that your Card is being used by someone else you should also contact the police and report the incident. You may not request an additional Card for another person. 7.1. Each time you use your Card, you authorize us to reduce the value available in your Card by the amount of the transaction and any applicable fees. You are not allowed to exceed the amount of available funds in your Virtual Card through an individual transaction or a series of transactions. We may temporarily “freeze” your Card and/or Larstal Account and attempt to contact you if we notice transactions that are unusual or appear suspicious. 7.2. You acknowledge and agree that by creating a Card you authorize Larstal to transfer the funds deposited in your Larstal Account into your Card as provided in this paragraph until you block or terminate the Card. When the Card is used for a transaction at a merchant, an authorization request will be transmitted to us from a merchant. We will only authorize the request if you have sufficient funds in your Larstal Account to fulfill the entire transaction. The funds will then be debited from your Larstal Account or from your Card for the amount of the transaction. 7.3. Except as otherwise stated herein, you may use your Card as long as the total value of your Card Transaction and any applicable fees do not exceed the value available on your Larstal Account and your Larstal Account is in good standing. 7.4. Certain types of transactions may be prohibited. If you have questions about what transactions are prohibited, please contact the Support Team. 7.5. In case of foreign or cross-border transactions, the international exchange rate provided by the Franchise Rules of Visa in order to settle the transaction will be applied. The rate applied will be binding on you and you will have no rights to dispute or question any such exchange rate. Changes in the way the exchange rate is converted will take effect without notice. 8.1. You are responsible for keeping track of your Card available balance. It is important to know the amount of available funds in your Card before performing a transaction. If you do not have sufficient available funds in your Card to cover the transaction amount, the transaction will be declined. Adjustments may be made to your Card / Larstal Account to reverse an error, reflect a merchant adjustment, or resolve a dispute regarding a transaction posted to your Card / Larstal Account. Larstal shall be entitled to reverse the incorrect credit or debit at any time whatsoever without your consent. You shall be liable and responsible to Larstal and agree to accept and abide Larstal’s instructions in respect of reversing any unfair gain made by you as a result of the same. You shall be informed of such reversal by Larstal. 8.2. Negative balances are not authorized under any circumstance. You must not undertake or attempt to undertake Card Transactions that exceed the amount of funds available in your Larstal Account. If any purchase takes you over your available funds or the card limits in force from time to time, the transaction will be declined. 9. No Warranty Regarding Goods or Services as Applicable; Returns and Refunds 9.1. Larstal is not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. Any disputes or issues with any goods or services you purchase with your Card should be addressed to the merchants or individuals from whom the goods and services were purchased. 9.2. If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Larstal Account for such refunds and agree to the refund policy of the respective merchant. Merchant refunds in an amount equal to or less than the amount of the corresponding debit will be provided to Larstal for posting to the Larstal Account when received. Larstal has no control over when a merchant sends a refund transaction; there may be a delay between the date of the refund transaction and the date the refund amount is credited into your Larstal Account. If you have questions about a refund that has not been posted to your Larstal Account you must contact the merchant where you made the purchase. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were purchased. 10.1. Subject to Applicable Law, you may use your Card only through the Card expiration date. The expiration date is identified on the virtual card image displayed within your Larstal Account. 10.2. Following expiry or cancellation of your Card or termination of these Terms, you will not be able to use your Card. 10.3. If there is a positive balance of funds in your Card upon expiration we may reverse remaining funds into your Larstal Account. If you need to block your Card for any reason, please contact our Customer Service at support@larstal.com. 11.1 A record of your Card Transactions will always be available to you in your Larstal Account. You should always obtain a receipt from the merchant at the time you make a purchase or transaction using your Card and retain, verify, and reconcile your transactions and receipts. Larstal is not liable for providing a receipt for transactions initiated through the use of the Card that you should have obtained from a merchant. 12. Suspension and termination 12.1. Larstal can close or suspend your Larstal Account and/or your Card at any time for any reason (see General Terms). Any such closure or suspension would terminate or suspend your ability to use your Card. 12.2. You agree not to use or to allow others to use an expired, revoked, canceled, suspended or otherwise invalid Card. 12.3. Larstal will not be liable to you because of the unavailability of the funds that may be associated with your Card or Larstal Account, except as required by Applicable Law. 12.4. You may cancel your Card, your Larstal Account, or these Terms at any time by notifying support@larstal.com. Cancellation or suspension of these Terms will not affect any of our rights or your obligations arising under these Terms prior to such cancellation or suspension, including any pending transactions. 12.5. If the Card remain inactive (without transaction) more than 60days, AstroPay reserve the right to cancel the Card immediately after the 60days. 13. Liability and Indemnity 13.1. If we fail to comply with these Terms, we shall be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we shall not be responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us when you activated your Larstal Account and/or your Card. 13.2. We shall not be liable if: (a) through no fault of ours, you do not have enough available funds in your Card to perform the transaction; (b) circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or natural disaster) prevent or delay the transfer despite reasonable precautions taken by us; (c) the system was not working properly and you knew about the problem when you initiated the transaction; (d) the funds in your Larstal Account are subject to legal process or are otherwise not available for transactions; (e) the merchant refuses to accept your Card; (f) if access to your Card has been blocked after you reported your Card lost or stolen; (g) if we have reason to believe the transaction is unauthorized; (h) the transaction cannot be completed because your Card is expired or canceled; or (i) any other exception stated in these Terms. 13.2. Except as otherwise expressly provided in these Terms or as required by Applicable Law, neither Larstal nor our respective affiliates, officers, directors, employees or agents, or other parties with whom Larstal contract in order to offer the Card, the Larstal Account or related services, shall have any responsibility or liability for any indirect, incidental, consequential, special, exemplary or punitive damages, whether based on negligence, willful misconduct, tort, contract or any other theory of law, or for any damages for loss of data, loss of income, failure to realize expected revenues or earnings, loss of profits or any other economic or pecuniary loss, in each case arising out of or relating in any way to the Card, the Larstal Account, any products or services purchased using the Card, or these Terms (as well as any related or prior agreement that you may have had with us). 13.3. We shall not be liable for any unauthorized or incorrectly executed Card Transactions in the event that the Card Transaction was affected by abnormal and unforeseeable circumstances beyond our reasonable control or where we acted in accordance with a legal or regulatory obligation. 13.4. At our request, you agree to defend, indemnify, and hold harmless us and our parents, subsidiaries, and other affiliated companies, and our and their employees, contractors, officers, and directors against any and all claims, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses (including, without limitation, reasonable attorneys’ fees) that arise from your violation of these Terms, applicable law, or any third-party rights or your fraud or willful misconduct. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses. 13.5. This Clause shall survive cancellation of these Terms. 14. Additional obligations of the User. 14.1. We may refuse to authorize any transactions or a use of the Card that could breach these Terms, or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other illegal or unauthorized use of the Card. Nevertheless, we are not a party to any Card Transactions, and we disclaim any liability for any failures, breaches, acts or omissions of the merchants in connection with the Card Transactions. 14.2. Your ability to use or access the Card may occasionally be interrupted, for example if we need to carry out maintenance on our systems. (a) to only use the Card for lawful purposes and to adhere at all times to all Applicable Laws and these Terms; (b) not to attempt to discover any source code included in the website or mobile app or Larstal Account, upload to our systems any malware, viruses or other unauthorized object code or source code, or otherwise disrupt or interfere with the conduct of the Service; (c) not to copy, adapt, reverse engineer, decompile, disassemble, modify, adapt or make error corrections to the website or mobile app in whole or in part, except to the extent permitted by Applicable Law. If a court finds any provision of these Terms invalid or unenforceable such finding shall not make the rest of these Terms invalid or unenforceable. To the fullest extent possible, any such provision shall be deemed to be modified so as to be rendered enforceable or valid; however, if such provision cannot be so modified, it shall be stricken and all other provisions of these Terms in all other respects shall remain valid and enforceable. 16. Amendment and Cancellation 16.1. We may amend or change the terms and conditions of these Terms at any time, subject to Applicable Law. You will be notified of any change in the manner required by Applicable Law and by posting an updated version of these Terms in the website and/or mobile app. If the change is made for security purposes or if advanced notification is not required by Applicable Law, we may implement such change without prior notice. You may end these Terms and cancel your Card at any time by logging into your Larstal account or by contacting the Support Team. 16.2. Your cancellation of these Terms will not affect any of our rights or your obligations arising under these Terms prior to termination. 16.3. Upon termination of these Terms for any reason, we may continue to process your personal data in accordance with the terms of our Privacy Policy and Cookie Notice, as applicable, in accordance with data protection legislation. 16.4. The Terms in effect as of the date of the termination will survive and continue to apply to any aspects of your use of the website or mobile app prior to termination, including your Account information, your available balance, and any outstanding Card Transactions. 17. Information About Your Right to Dispute Errors A. Contact Information If you think your Transaction history is wrong with respect to a Card Transaction, or if you need more information about a Card Transaction listed on the transaction history in your Larstal Account, you can contact the Support Team at support@larstal.com. For errors or potential errors in your Larstal Account that are not related to the Card, please consult the Larstal Account Terms of Use. “Card Errors” include, but are not limited to, the following: i. A Card Transaction that you did not authorize. ii. A duplicate transaction that you did not authorize. iii. A recurring Card Transaction that you had canceled prior to the occurrence of the Card Transaction. iv. An incorrect Card Transaction. In relation to a Card Error you must contact us without undue delay (i.e. as soon as you become aware of the problem). We will not be held liable for any Card Error that was unauthorized or incorrectly executed if you have failed to contact us without undue delay – in these circumstances you may be held liable. We must hear from you no later than sixty (60) days after the earlier of the date you accessed your Larstal Account regarding a Card Error or if the Card Error could be viewed in your Card Transaction history. In your complaint, you must include: 1. Your name, address and Card number; 2. Why you believe there is an error, and the amount involved; 3. Approximately when the error took place; and 4. Any other necessary information that can prove the existence of the Card Error. Subject to you notifying us without undue delay, We will determine whether an error occurred within ten (10) business days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. We will tell you the results within three (3) business days after completing our investigation. If we decide that no Card Error occurred, or you have acted fraudulently or have with intent or gross negligence failed to keep your Larstal Account security details safe, we shall not credit any amount to your Larstal Account and/or may deduct the amount of the Card Transaction from your Card or Larstal Account, if applicable. If you do not have sufficient balance for the deduction, you must repay us the amount immediately on demand. On the contrary, if we decide that a Card Error occurred, we will credit you the correspondent amount in your Larstal Account. For the avoidance of doubt, Card Errors do not include buyer’s remorse, issues with the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card or if you do not receive those goods or services, or routine inquiries about the balance in your Larstal Account or a request for documentation or other information for your record keeping or tax purposes. C. Your Liability for Unauthorized Card Transactions An unauthorized Card Transaction occurs when your Card is used, and it was not authorized by you and did not benefit you. For example, if someone accesses your virtual Card fraudulently or without your consent and uses your Card to access funds in your Larstal Account, an unauthorized Card Transaction has occurred. A Card Transaction used by someone to whom you gave access to your Card who then uses your Card without your knowledge or permission is not considered unauthorized. You are responsible for transactions made in such a situation. You agree to exercise reasonable control over your Card and Access Information. If you believe your Card or Access Information has been lost or stolen, or if you believe that transactions have been made in your Larstal Account without your permission using your Card, you should inform Larstal right away. 18.1. We may at any time transfer all or any of our rights and obligations under these Terms to any third party (including by way of merger, consolidation or the acquisition of all or substantially all of our business and assets relating to these Terms), but this will not affect your rights or our obligations under these Terms. 18.2. You may not assign or transfer your Card and your obligations under these Terms. We do not waive our rights by delaying or failing to exercise them, in whole or in part, at any time. Notwithstanding the foregoing, these Terms shall be binding on you, your authorized users, your heirs, your executors, administrators, guardians, personal representatives, or trustee in bankruptcy. 18.3. Nothing in these Terms is intended to, or shall be construed so as to, establish or imply any partnership or joint venture or a relationship of principal and agent between you and us or constitute either of you or us as the agent of the other party, or authorize you or us to make or enter into any commitments for or on behalf of the other party. 18.4. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. 18.5. If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you. 18.6. These Terms are provided to you in the English language. Where we have provided a translation of these Terms to you, you agree that such translation is provided for your convenience only and that the English language version of these Terms will govern your relationship with us. If there is any contradiction between the English language version of these Terms and any translation, the English language version takes precedence. 18.7 We shall not have any liability under, or be deemed to be in breach of, these Terms for any delays or failures in performance of any of our obligations under these Terms that result from a force majeure event. 19. Governing Law and Jurisdiction 19.1. These Terms and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales. 19.2. Each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims). If you are a resident of Northern Ireland or Scotland, you may also bring proceedings in Northern Ireland or Scotland respectively. 20. Complaints handling 20.1. If you wish to make a complaint or a question about the Card, You can email us at support@larstal.com, with brief details of your complaint and the phone number and email address associated with your Larstal Account or request our complaint form and send to our service email address on the form. 21.1. You accept and agree that we may serve notices to you in writing to the email address and/or mobile number linked to your Larstal Account. You may amend the same from time to time. 21.2. You agree that we may provide you with notices and other disclosures in connection with your Account and the Card by email or by posting notices on the website or mobile app. --- ### Page: https://www.astropay.com/pt/united-kingdom/cards Title: Cards Language: pt-BR Canonical URL: https://www.astropay.com/pt/united-kingdom/cards ## Headings Structure: H1: Terms and Conditions of Use for Visa Virtual Card H2: Baixe o app do AstroPay ## Main Content: H1: Terms and Conditions of Use for Visa Virtual Card H4: Information we collect H2: Baixe o app do AstroPay IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Card (as defined below), which are provided by Larstal Limited, a United Kingdom company with registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, (“we”, “us” or “our”) to any person whose application we approve (“you” or “your”). These Terms form a binding contract and apply only to your use of your Virtual Visa Card issued by Wallester AS, pursuant to a license from Visa (the “Card”). These Terms complement the separate customer agreement that you as a user enter into with your Card issuer Wallester AS available in the following link Wallester ASTerms and Conditions. These Terms are also complementary to the Terms and Conditions (the “General Terms”) accepted by you for the usage of your Larstal Account. In case of any inconsistency or discrepancy between these Terms and the General Terms, these Terms shall prevail. “Access Information” means your username, password, challenge questions, and any other security or access information required to access or use your Card or Larstal Account. “Applicable Law” means any law, rule or regulation of a federal, state, municipal of foreign or local government, or any rule or regulation of any clearing house or network involved in the transaction, which apply to the product and services provided to you under these Terms. “Card” means your virtual Visa Card issued by Wallester AS. “Card Number” means the unique 16-digit number embossed on your virtual Card, if applicable, used to identify your Card. “Card Transaction(s)” means using your Card to pay for goods and services online or over the phone. “Cardholder” means the person authorized to use the Card. Only one Cardholder is permitted per Card. “Issuer” means Wallester AS. “We” or “Larstal” means Larstal Limited, and its successors, assigns and affiliates. “Larstal Account” means the digital wallet account you have opened with Larstal and through which you access funds for use with your Card. “Larstal Account Transactions” for purposes of these Terms means any and all payments into or out of your Larstal Account that do not involve use of the Card. For the avoidance of doubt, Larstal Account Transactions are not covered by these Terms and are services provided to you under the General Terms. “You” and “your” mean the person who has requested the Card and is authorized to use the Card as provided for in these Terms. 2.1. The Card is issued by Wallester in Euros currency and is not a gift card or gift certificate, nor a credit card. The Card cannot be redeemed for cash, is not for resale and may not be transferred or assigned. It may be canceled, repossessed or revoked at any time without prior notice subject to applicable law. 2.2. The Card is not designed for business use. You acknowledge and undertake to only use your Card for purchases of goods and/or services and/or online payments. We may close your Larstal Account and/or your Card if we determine that it is being used for business purposes or any other purposes. We may refuse to process any Card Transaction that we believe may violate these Terms and/or Applicable Law. 2.3. The Card can be used to access and spend money stored in your Larstal Account. You can use the Card at any location that displays the Visa acceptance mark, including shops, restaurants, online or on the telephone. Larstal reserves the right to cancel or suspend your Card at any time for any reason. 2.4. You acknowledge and agree that the value available to spend with your Card is limited to the funds maintained in your Larstal Account. 2.5. You may not use your Card or Larstal Account to obtain cash anywhere, including an automatic teller machine or any point of sale device. 3.1. If applicable, We shall charge you the fees as set out in the Fees Schedule located in the website or mobile app. As that Schedule may be amended from time to time in accordance with this Clause (the “Fees”), you agree that any amount due and payable to us under these Terms may be deducted from your Card or Larstal Account, without further notice. We further reserve the right to change our Fees upon two (2) months notice given to you through the website or mobile app or by email prior to such changes going into effect. Such deductions may be made at any time, and without us notifying you, but these will be reflected in the information in your Larstal Account. 3.2. Your Card is subject to certain spending transaction limits. You can find more information about these transaction limitations on the website or mobile app, or by contacting support at support@larstal.com. We reserve the right to increase or decrease your limit at any time or add additional limitations to your use of the Card in our sole discretion without notice to you except as required by law, for security, risk or other reasons. 4. Address or Name Changes All information you provide during the onboarding process for a Card or any time thereafter must be complete, accurate and truthful. You are responsible for keeping your mailing address, email address, telephone number, and other contact information with us up-to-date. If you need to make changes to your profile after your Card has been issued, you can update your information by logging into your Larstal Account or by contacting the Larstal Support Team. 5.1. You should not share your Virtual Card number, its Card Verification Value “CVV” and/or expiry dates with anyone. Do not send your Virtual Card details in an email or text message. Make sure your Virtual Card details are secured with encryption when you use your Virtual Card to perform transactions over the Internet or wireless networks. 5.2. You are responsible for maintaining adequate security and control of your Card, or any other details that you use to access your Larstal Account. If you know or suspect that your Card or Card Number has been lost, stolen or otherwise compromised, please let Larstal know immediately by contacting the Support Team or reporting your Card lost or stolen in your Larstal Account or through the Mobile App (if and when available). Any undue delay may result in you being liable for any losses where your failure to notify us is intentional or grossly negligent. If you suspect that your Card is being used by someone else you should also contact the police and report the incident. You may not request an additional Card for another person. 7.1. Each time you use your Card, you authorize us to reduce the value available in your Card by the amount of the transaction and any applicable fees. You are not allowed to exceed the amount of available funds in your Virtual Card through an individual transaction or a series of transactions. We may temporarily “freeze” your Card and/or Larstal Account and attempt to contact you if we notice transactions that are unusual or appear suspicious. 7.2. You acknowledge and agree that by creating a Card you authorize Larstal to transfer the funds deposited in your Larstal Account into your Card as provided in this paragraph until you block or terminate the Card. When the Card is used for a transaction at a merchant, an authorization request will be transmitted to us from a merchant. We will only authorize the request if you have sufficient funds in your Larstal Account to fulfill the entire transaction. The funds will then be debited from your Larstal Account or from your Card for the amount of the transaction. 7.3. Except as otherwise stated herein, you may use your Card as long as the total value of your Card Transaction and any applicable fees do not exceed the value available on your Larstal Account and your Larstal Account is in good standing. 7.4. Certain types of transactions may be prohibited. If you have questions about what transactions are prohibited, please contact the Support Team. 7.5. In case of foreign or cross-border transactions, the international exchange rate provided by the Franchise Rules of Visa in order to settle the transaction will be applied. The rate applied will be binding on you and you will have no rights to dispute or question any such exchange rate. Changes in the way the exchange rate is converted will take effect without notice. 8.1. You are responsible for keeping track of your Card available balance. It is important to know the amount of available funds in your Card before performing a transaction. If you do not have sufficient available funds in your Card to cover the transaction amount, the transaction will be declined. Adjustments may be made to your Card / Larstal Account to reverse an error, reflect a merchant adjustment, or resolve a dispute regarding a transaction posted to your Card / Larstal Account. Larstal shall be entitled to reverse the incorrect credit or debit at any time whatsoever without your consent. You shall be liable and responsible to Larstal and agree to accept and abide Larstal’s instructions in respect of reversing any unfair gain made by you as a result of the same. You shall be informed of such reversal by Larstal. 8.2. Negative balances are not authorized under any circumstance. You must not undertake or attempt to undertake Card Transactions that exceed the amount of funds available in your Larstal Account. If any purchase takes you over your available funds or the card limits in force from time to time, the transaction will be declined. 9. No Warranty Regarding Goods or Services as Applicable; Returns and Refunds 9.1. Larstal is not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. Any disputes or issues with any goods or services you purchase with your Card should be addressed to the merchants or individuals from whom the goods and services were purchased. 9.2. If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Larstal Account for such refunds and agree to the refund policy of the respective merchant. Merchant refunds in an amount equal to or less than the amount of the corresponding debit will be provided to Larstal for posting to the Larstal Account when received. Larstal has no control over when a merchant sends a refund transaction; there may be a delay between the date of the refund transaction and the date the refund amount is credited into your Larstal Account. If you have questions about a refund that has not been posted to your Larstal Account you must contact the merchant where you made the purchase. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were purchased. 10.1. Subject to Applicable Law, you may use your Card only through the Card expiration date. The expiration date is identified on the virtual card image displayed within your Larstal Account. 10.2. Following expiry or cancellation of your Card or termination of these Terms, you will not be able to use your Card. 10.3. If there is a positive balance of funds in your Card upon expiration we may reverse remaining funds into your Larstal Account. If you need to block your Card for any reason, please contact our Customer Service at support@larstal.com. 11.1 A record of your Card Transactions will always be available to you in your Larstal Account. You should always obtain a receipt from the merchant at the time you make a purchase or transaction using your Card and retain, verify, and reconcile your transactions and receipts. Larstal is not liable for providing a receipt for transactions initiated through the use of the Card that you should have obtained from a merchant. 12. Suspension and termination 12.1. Larstal can close or suspend your Larstal Account and/or your Card at any time for any reason (see General Terms). Any such closure or suspension would terminate or suspend your ability to use your Card. 12.2. You agree not to use or to allow others to use an expired, revoked, canceled, suspended or otherwise invalid Card. 12.3. Larstal will not be liable to you because of the unavailability of the funds that may be associated with your Card or Larstal Account, except as required by Applicable Law. 12.4. You may cancel your Card, your Larstal Account, or these Terms at any time by notifying support@larstal.com. Cancellation or suspension of these Terms will not affect any of our rights or your obligations arising under these Terms prior to such cancellation or suspension, including any pending transactions. 12.5. If the Card remain inactive (without transaction) more than 60days, AstroPay reserve the right to cancel the Card immediately after the 60days. 13. Liability and Indemnity 13.1. If we fail to comply with these Terms, we shall be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we shall not be responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us when you activated your Larstal Account and/or your Card. 13.2. We shall not be liable if: (a) through no fault of ours, you do not have enough available funds in your Card to perform the transaction; (b) circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or natural disaster) prevent or delay the transfer despite reasonable precautions taken by us; (c) the system was not working properly and you knew about the problem when you initiated the transaction; (d) the funds in your Larstal Account are subject to legal process or are otherwise not available for transactions; (e) the merchant refuses to accept your Card; (f) if access to your Card has been blocked after you reported your Card lost or stolen; (g) if we have reason to believe the transaction is unauthorized; (h) the transaction cannot be completed because your Card is expired or canceled; or (i) any other exception stated in these Terms. 13.2. Except as otherwise expressly provided in these Terms or as required by Applicable Law, neither Larstal nor our respective affiliates, officers, directors, employees or agents, or other parties with whom Larstal contract in order to offer the Card, the Larstal Account or related services, shall have any responsibility or liability for any indirect, incidental, consequential, special, exemplary or punitive damages, whether based on negligence, willful misconduct, tort, contract or any other theory of law, or for any damages for loss of data, loss of income, failure to realize expected revenues or earnings, loss of profits or any other economic or pecuniary loss, in each case arising out of or relating in any way to the Card, the Larstal Account, any products or services purchased using the Card, or these Terms (as well as any related or prior agreement that you may have had with us). 13.3. We shall not be liable for any unauthorized or incorrectly executed Card Transactions in the event that the Card Transaction was affected by abnormal and unforeseeable circumstances beyond our reasonable control or where we acted in accordance with a legal or regulatory obligation. 13.4. At our request, you agree to defend, indemnify, and hold harmless us and our parents, subsidiaries, and other affiliated companies, and our and their employees, contractors, officers, and directors against any and all claims, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses (including, without limitation, reasonable attorneys’ fees) that arise from your violation of these Terms, applicable law, or any third-party rights or your fraud or willful misconduct. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses. 13.5. This Clause shall survive cancellation of these Terms. 14. Additional obligations of the User. 14.1. We may refuse to authorize any transactions or a use of the Card that could breach these Terms, or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other illegal or unauthorized use of the Card. Nevertheless, we are not a party to any Card Transactions, and we disclaim any liability for any failures, breaches, acts or omissions of the merchants in connection with the Card Transactions. 14.2. Your ability to use or access the Card may occasionally be interrupted, for example if we need to carry out maintenance on our systems. (a) to only use the Card for lawful purposes and to adhere at all times to all Applicable Laws and these Terms; (b) not to attempt to discover any source code included in the website or mobile app or Larstal Account, upload to our systems any malware, viruses or other unauthorized object code or source code, or otherwise disrupt or interfere with the conduct of the Service; (c) not to copy, adapt, reverse engineer, decompile, disassemble, modify, adapt or make error corrections to the website or mobile app in whole or in part, except to the extent permitted by Applicable Law. If a court finds any provision of these Terms invalid or unenforceable such finding shall not make the rest of these Terms invalid or unenforceable. To the fullest extent possible, any such provision shall be deemed to be modified so as to be rendered enforceable or valid; however, if such provision cannot be so modified, it shall be stricken and all other provisions of these Terms in all other respects shall remain valid and enforceable. 16. Amendment and Cancellation 16.1. We may amend or change the terms and conditions of these Terms at any time, subject to Applicable Law. You will be notified of any change in the manner required by Applicable Law and by posting an updated version of these Terms in the website and/or mobile app. If the change is made for security purposes or if advanced notification is not required by Applicable Law, we may implement such change without prior notice. You may end these Terms and cancel your Card at any time by logging into your Larstal account or by contacting the Support Team. 16.2. Your cancellation of these Terms will not affect any of our rights or your obligations arising under these Terms prior to termination. 16.3. Upon termination of these Terms for any reason, we may continue to process your personal data in accordance with the terms of our Privacy Policy and Cookie Notice, as applicable, in accordance with data protection legislation. 16.4. The Terms in effect as of the date of the termination will survive and continue to apply to any aspects of your use of the website or mobile app prior to termination, including your Account information, your available balance, and any outstanding Card Transactions. 17. Information About Your Right to Dispute Errors A. Contact Information If you think your Transaction history is wrong with respect to a Card Transaction, or if you need more information about a Card Transaction listed on the transaction history in your Larstal Account, you can contact the Support Team at support@larstal.com. For errors or potential errors in your Larstal Account that are not related to the Card, please consult the Larstal Account Terms of Use. “Card Errors” include, but are not limited to, the following: i. A Card Transaction that you did not authorize. ii. A duplicate transaction that you did not authorize. iii. A recurring Card Transaction that you had canceled prior to the occurrence of the Card Transaction. iv. An incorrect Card Transaction. In relation to a Card Error you must contact us without undue delay (i.e. as soon as you become aware of the problem). We will not be held liable for any Card Error that was unauthorized or incorrectly executed if you have failed to contact us without undue delay – in these circumstances you may be held liable. We must hear from you no later than sixty (60) days after the earlier of the date you accessed your Larstal Account regarding a Card Error or if the Card Error could be viewed in your Card Transaction history. In your complaint, you must include: 1. Your name, address and Card number; 2. Why you believe there is an error, and the amount involved; 3. Approximately when the error took place; and 4. Any other necessary information that can prove the existence of the Card Error. Subject to you notifying us without undue delay, We will determine whether an error occurred within ten (10) business days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. We will tell you the results within three (3) business days after completing our investigation. If we decide that no Card Error occurred, or you have acted fraudulently or have with intent or gross negligence failed to keep your Larstal Account security details safe, we shall not credit any amount to your Larstal Account and/or may deduct the amount of the Card Transaction from your Card or Larstal Account, if applicable. If you do not have sufficient balance for the deduction, you must repay us the amount immediately on demand. On the contrary, if we decide that a Card Error occurred, we will credit you the correspondent amount in your Larstal Account. For the avoidance of doubt, Card Errors do not include buyer’s remorse, issues with the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card or if you do not receive those goods or services, or routine inquiries about the balance in your Larstal Account or a request for documentation or other information for your record keeping or tax purposes. C. Your Liability for Unauthorized Card Transactions An unauthorized Card Transaction occurs when your Card is used, and it was not authorized by you and did not benefit you. For example, if someone accesses your virtual Card fraudulently or without your consent and uses your Card to access funds in your Larstal Account, an unauthorized Card Transaction has occurred. A Card Transaction used by someone to whom you gave access to your Card who then uses your Card without your knowledge or permission is not considered unauthorized. You are responsible for transactions made in such a situation. You agree to exercise reasonable control over your Card and Access Information. If you believe your Card or Access Information has been lost or stolen, or if you believe that transactions have been made in your Larstal Account without your permission using your Card, you should inform Larstal right away. 18.1. We may at any time transfer all or any of our rights and obligations under these Terms to any third party (including by way of merger, consolidation or the acquisition of all or substantially all of our business and assets relating to these Terms), but this will not affect your rights or our obligations under these Terms. 18.2. You may not assign or transfer your Card and your obligations under these Terms. We do not waive our rights by delaying or failing to exercise them, in whole or in part, at any time. Notwithstanding the foregoing, these Terms shall be binding on you, your authorized users, your heirs, your executors, administrators, guardians, personal representatives, or trustee in bankruptcy. 18.3. Nothing in these Terms is intended to, or shall be construed so as to, establish or imply any partnership or joint venture or a relationship of principal and agent between you and us or constitute either of you or us as the agent of the other party, or authorize you or us to make or enter into any commitments for or on behalf of the other party. 18.4. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. 18.5. If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you. 18.6. These Terms are provided to you in the English language. Where we have provided a translation of these Terms to you, you agree that such translation is provided for your convenience only and that the English language version of these Terms will govern your relationship with us. If there is any contradiction between the English language version of these Terms and any translation, the English language version takes precedence. 18.7 We shall not have any liability under, or be deemed to be in breach of, these Terms for any delays or failures in performance of any of our obligations under these Terms that result from a force majeure event. 19. Governing Law and Jurisdiction 19.1. These Terms and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales. 19.2. Each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims). If you are a resident of Northern Ireland or Scotland, you may also bring proceedings in Northern Ireland or Scotland respectively. 20. Complaints handling 20.1. If you wish to make a complaint or a question about the Card, You can email us at support@larstal.com, with brief details of your complaint and the phone number and email address associated with your Larstal Account or request our complaint form and send to our service email address on the form. 21.1. You accept and agree that we may serve notices to you in writing to the email address and/or mobile number linked to your Larstal Account. You may amend the same from time to time. 21.2. You agree that we may provide you with notices and other disclosures in connection with your Account and the Card by email or by posting notices on the website or mobile app. --- ### Page: https://www.astropay.com/da/united-kingdom/cards Title: Cards Language: da Canonical URL: https://www.astropay.com/da/united-kingdom/cards ## Headings Structure: H1: Terms and Conditions of Use for Visa Virtual Card H2: Download AstroPay-appen ## Main Content: H1: Terms and Conditions of Use for Visa Virtual Card H4: Information we collect H2: Download AstroPay-appen IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Card (as defined below), which are provided by Larstal Limited, a United Kingdom company with registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, (“we”, “us” or “our”) to any person whose application we approve (“you” or “your”). These Terms form a binding contract and apply only to your use of your Virtual Visa Card issued by Wallester AS, pursuant to a license from Visa (the “Card”). These Terms complement the separate customer agreement that you as a user enter into with your Card issuer Wallester AS available in the following link Wallester ASTerms and Conditions. These Terms are also complementary to the Terms and Conditions (the “General Terms”) accepted by you for the usage of your Larstal Account. In case of any inconsistency or discrepancy between these Terms and the General Terms, these Terms shall prevail. “Access Information” means your username, password, challenge questions, and any other security or access information required to access or use your Card or Larstal Account. “Applicable Law” means any law, rule or regulation of a federal, state, municipal of foreign or local government, or any rule or regulation of any clearing house or network involved in the transaction, which apply to the product and services provided to you under these Terms. “Card” means your virtual Visa Card issued by Wallester AS. “Card Number” means the unique 16-digit number embossed on your virtual Card, if applicable, used to identify your Card. “Card Transaction(s)” means using your Card to pay for goods and services online or over the phone. “Cardholder” means the person authorized to use the Card. Only one Cardholder is permitted per Card. “Issuer” means Wallester AS. “We” or “Larstal” means Larstal Limited, and its successors, assigns and affiliates. “Larstal Account” means the digital wallet account you have opened with Larstal and through which you access funds for use with your Card. “Larstal Account Transactions” for purposes of these Terms means any and all payments into or out of your Larstal Account that do not involve use of the Card. For the avoidance of doubt, Larstal Account Transactions are not covered by these Terms and are services provided to you under the General Terms. “You” and “your” mean the person who has requested the Card and is authorized to use the Card as provided for in these Terms. 2.1. The Card is issued by Wallester in Euros currency and is not a gift card or gift certificate, nor a credit card. The Card cannot be redeemed for cash, is not for resale and may not be transferred or assigned. It may be canceled, repossessed or revoked at any time without prior notice subject to applicable law. 2.2. The Card is not designed for business use. You acknowledge and undertake to only use your Card for purchases of goods and/or services and/or online payments. We may close your Larstal Account and/or your Card if we determine that it is being used for business purposes or any other purposes. We may refuse to process any Card Transaction that we believe may violate these Terms and/or Applicable Law. 2.3. The Card can be used to access and spend money stored in your Larstal Account. You can use the Card at any location that displays the Visa acceptance mark, including shops, restaurants, online or on the telephone. Larstal reserves the right to cancel or suspend your Card at any time for any reason. 2.4. You acknowledge and agree that the value available to spend with your Card is limited to the funds maintained in your Larstal Account. 2.5. You may not use your Card or Larstal Account to obtain cash anywhere, including an automatic teller machine or any point of sale device. 3.1. If applicable, We shall charge you the fees as set out in the Fees Schedule located in the website or mobile app. As that Schedule may be amended from time to time in accordance with this Clause (the “Fees”), you agree that any amount due and payable to us under these Terms may be deducted from your Card or Larstal Account, without further notice. We further reserve the right to change our Fees upon two (2) months notice given to you through the website or mobile app or by email prior to such changes going into effect. Such deductions may be made at any time, and without us notifying you, but these will be reflected in the information in your Larstal Account. 3.2. Your Card is subject to certain spending transaction limits. You can find more information about these transaction limitations on the website or mobile app, or by contacting support at support@larstal.com. We reserve the right to increase or decrease your limit at any time or add additional limitations to your use of the Card in our sole discretion without notice to you except as required by law, for security, risk or other reasons. 4. Address or Name Changes All information you provide during the onboarding process for a Card or any time thereafter must be complete, accurate and truthful. You are responsible for keeping your mailing address, email address, telephone number, and other contact information with us up-to-date. If you need to make changes to your profile after your Card has been issued, you can update your information by logging into your Larstal Account or by contacting the Larstal Support Team. 5.1. You should not share your Virtual Card number, its Card Verification Value “CVV” and/or expiry dates with anyone. Do not send your Virtual Card details in an email or text message. Make sure your Virtual Card details are secured with encryption when you use your Virtual Card to perform transactions over the Internet or wireless networks. 5.2. You are responsible for maintaining adequate security and control of your Card, or any other details that you use to access your Larstal Account. If you know or suspect that your Card or Card Number has been lost, stolen or otherwise compromised, please let Larstal know immediately by contacting the Support Team or reporting your Card lost or stolen in your Larstal Account or through the Mobile App (if and when available). Any undue delay may result in you being liable for any losses where your failure to notify us is intentional or grossly negligent. If you suspect that your Card is being used by someone else you should also contact the police and report the incident. You may not request an additional Card for another person. 7.1. Each time you use your Card, you authorize us to reduce the value available in your Card by the amount of the transaction and any applicable fees. You are not allowed to exceed the amount of available funds in your Virtual Card through an individual transaction or a series of transactions. We may temporarily “freeze” your Card and/or Larstal Account and attempt to contact you if we notice transactions that are unusual or appear suspicious. 7.2. You acknowledge and agree that by creating a Card you authorize Larstal to transfer the funds deposited in your Larstal Account into your Card as provided in this paragraph until you block or terminate the Card. When the Card is used for a transaction at a merchant, an authorization request will be transmitted to us from a merchant. We will only authorize the request if you have sufficient funds in your Larstal Account to fulfill the entire transaction. The funds will then be debited from your Larstal Account or from your Card for the amount of the transaction. 7.3. Except as otherwise stated herein, you may use your Card as long as the total value of your Card Transaction and any applicable fees do not exceed the value available on your Larstal Account and your Larstal Account is in good standing. 7.4. Certain types of transactions may be prohibited. If you have questions about what transactions are prohibited, please contact the Support Team. 7.5. In case of foreign or cross-border transactions, the international exchange rate provided by the Franchise Rules of Visa in order to settle the transaction will be applied. The rate applied will be binding on you and you will have no rights to dispute or question any such exchange rate. Changes in the way the exchange rate is converted will take effect without notice. 8.1. You are responsible for keeping track of your Card available balance. It is important to know the amount of available funds in your Card before performing a transaction. If you do not have sufficient available funds in your Card to cover the transaction amount, the transaction will be declined. Adjustments may be made to your Card / Larstal Account to reverse an error, reflect a merchant adjustment, or resolve a dispute regarding a transaction posted to your Card / Larstal Account. Larstal shall be entitled to reverse the incorrect credit or debit at any time whatsoever without your consent. You shall be liable and responsible to Larstal and agree to accept and abide Larstal’s instructions in respect of reversing any unfair gain made by you as a result of the same. You shall be informed of such reversal by Larstal. 8.2. Negative balances are not authorized under any circumstance. You must not undertake or attempt to undertake Card Transactions that exceed the amount of funds available in your Larstal Account. If any purchase takes you over your available funds or the card limits in force from time to time, the transaction will be declined. 9. No Warranty Regarding Goods or Services as Applicable; Returns and Refunds 9.1. Larstal is not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. Any disputes or issues with any goods or services you purchase with your Card should be addressed to the merchants or individuals from whom the goods and services were purchased. 9.2. If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Larstal Account for such refunds and agree to the refund policy of the respective merchant. Merchant refunds in an amount equal to or less than the amount of the corresponding debit will be provided to Larstal for posting to the Larstal Account when received. Larstal has no control over when a merchant sends a refund transaction; there may be a delay between the date of the refund transaction and the date the refund amount is credited into your Larstal Account. If you have questions about a refund that has not been posted to your Larstal Account you must contact the merchant where you made the purchase. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were purchased. 10.1. Subject to Applicable Law, you may use your Card only through the Card expiration date. The expiration date is identified on the virtual card image displayed within your Larstal Account. 10.2. Following expiry or cancellation of your Card or termination of these Terms, you will not be able to use your Card. 10.3. If there is a positive balance of funds in your Card upon expiration we may reverse remaining funds into your Larstal Account. If you need to block your Card for any reason, please contact our Customer Service at support@larstal.com. 11.1 A record of your Card Transactions will always be available to you in your Larstal Account. You should always obtain a receipt from the merchant at the time you make a purchase or transaction using your Card and retain, verify, and reconcile your transactions and receipts. Larstal is not liable for providing a receipt for transactions initiated through the use of the Card that you should have obtained from a merchant. 12. Suspension and termination 12.1. Larstal can close or suspend your Larstal Account and/or your Card at any time for any reason (see General Terms). Any such closure or suspension would terminate or suspend your ability to use your Card. 12.2. You agree not to use or to allow others to use an expired, revoked, canceled, suspended or otherwise invalid Card. 12.3. Larstal will not be liable to you because of the unavailability of the funds that may be associated with your Card or Larstal Account, except as required by Applicable Law. 12.4. You may cancel your Card, your Larstal Account, or these Terms at any time by notifying support@larstal.com. Cancellation or suspension of these Terms will not affect any of our rights or your obligations arising under these Terms prior to such cancellation or suspension, including any pending transactions. 12.5. If the Card remain inactive (without transaction) more than 60days, AstroPay reserve the right to cancel the Card immediately after the 60days. 13. Liability and Indemnity 13.1. If we fail to comply with these Terms, we shall be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we shall not be responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us when you activated your Larstal Account and/or your Card. 13.2. We shall not be liable if: (a) through no fault of ours, you do not have enough available funds in your Card to perform the transaction; (b) circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or natural disaster) prevent or delay the transfer despite reasonable precautions taken by us; (c) the system was not working properly and you knew about the problem when you initiated the transaction; (d) the funds in your Larstal Account are subject to legal process or are otherwise not available for transactions; (e) the merchant refuses to accept your Card; (f) if access to your Card has been blocked after you reported your Card lost or stolen; (g) if we have reason to believe the transaction is unauthorized; (h) the transaction cannot be completed because your Card is expired or canceled; or (i) any other exception stated in these Terms. 13.2. Except as otherwise expressly provided in these Terms or as required by Applicable Law, neither Larstal nor our respective affiliates, officers, directors, employees or agents, or other parties with whom Larstal contract in order to offer the Card, the Larstal Account or related services, shall have any responsibility or liability for any indirect, incidental, consequential, special, exemplary or punitive damages, whether based on negligence, willful misconduct, tort, contract or any other theory of law, or for any damages for loss of data, loss of income, failure to realize expected revenues or earnings, loss of profits or any other economic or pecuniary loss, in each case arising out of or relating in any way to the Card, the Larstal Account, any products or services purchased using the Card, or these Terms (as well as any related or prior agreement that you may have had with us). 13.3. We shall not be liable for any unauthorized or incorrectly executed Card Transactions in the event that the Card Transaction was affected by abnormal and unforeseeable circumstances beyond our reasonable control or where we acted in accordance with a legal or regulatory obligation. 13.4. At our request, you agree to defend, indemnify, and hold harmless us and our parents, subsidiaries, and other affiliated companies, and our and their employees, contractors, officers, and directors against any and all claims, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses (including, without limitation, reasonable attorneys’ fees) that arise from your violation of these Terms, applicable law, or any third-party rights or your fraud or willful misconduct. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses. 13.5. This Clause shall survive cancellation of these Terms. 14. Additional obligations of the User. 14.1. We may refuse to authorize any transactions or a use of the Card that could breach these Terms, or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other illegal or unauthorized use of the Card. Nevertheless, we are not a party to any Card Transactions, and we disclaim any liability for any failures, breaches, acts or omissions of the merchants in connection with the Card Transactions. 14.2. Your ability to use or access the Card may occasionally be interrupted, for example if we need to carry out maintenance on our systems. (a) to only use the Card for lawful purposes and to adhere at all times to all Applicable Laws and these Terms; (b) not to attempt to discover any source code included in the website or mobile app or Larstal Account, upload to our systems any malware, viruses or other unauthorized object code or source code, or otherwise disrupt or interfere with the conduct of the Service; (c) not to copy, adapt, reverse engineer, decompile, disassemble, modify, adapt or make error corrections to the website or mobile app in whole or in part, except to the extent permitted by Applicable Law. If a court finds any provision of these Terms invalid or unenforceable such finding shall not make the rest of these Terms invalid or unenforceable. To the fullest extent possible, any such provision shall be deemed to be modified so as to be rendered enforceable or valid; however, if such provision cannot be so modified, it shall be stricken and all other provisions of these Terms in all other respects shall remain valid and enforceable. 16. Amendment and Cancellation 16.1. We may amend or change the terms and conditions of these Terms at any time, subject to Applicable Law. You will be notified of any change in the manner required by Applicable Law and by posting an updated version of these Terms in the website and/or mobile app. If the change is made for security purposes or if advanced notification is not required by Applicable Law, we may implement such change without prior notice. You may end these Terms and cancel your Card at any time by logging into your Larstal account or by contacting the Support Team. 16.2. Your cancellation of these Terms will not affect any of our rights or your obligations arising under these Terms prior to termination. 16.3. Upon termination of these Terms for any reason, we may continue to process your personal data in accordance with the terms of our Privacy Policy and Cookie Notice, as applicable, in accordance with data protection legislation. 16.4. The Terms in effect as of the date of the termination will survive and continue to apply to any aspects of your use of the website or mobile app prior to termination, including your Account information, your available balance, and any outstanding Card Transactions. 17. Information About Your Right to Dispute Errors A. Contact Information If you think your Transaction history is wrong with respect to a Card Transaction, or if you need more information about a Card Transaction listed on the transaction history in your Larstal Account, you can contact the Support Team at support@larstal.com. For errors or potential errors in your Larstal Account that are not related to the Card, please consult the Larstal Account Terms of Use. “Card Errors” include, but are not limited to, the following: i. A Card Transaction that you did not authorize. ii. A duplicate transaction that you did not authorize. iii. A recurring Card Transaction that you had canceled prior to the occurrence of the Card Transaction. iv. An incorrect Card Transaction. In relation to a Card Error you must contact us without undue delay (i.e. as soon as you become aware of the problem). We will not be held liable for any Card Error that was unauthorized or incorrectly executed if you have failed to contact us without undue delay – in these circumstances you may be held liable. We must hear from you no later than sixty (60) days after the earlier of the date you accessed your Larstal Account regarding a Card Error or if the Card Error could be viewed in your Card Transaction history. In your complaint, you must include: 1. Your name, address and Card number; 2. Why you believe there is an error, and the amount involved; 3. Approximately when the error took place; and 4. Any other necessary information that can prove the existence of the Card Error. Subject to you notifying us without undue delay, We will determine whether an error occurred within ten (10) business days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. We will tell you the results within three (3) business days after completing our investigation. If we decide that no Card Error occurred, or you have acted fraudulently or have with intent or gross negligence failed to keep your Larstal Account security details safe, we shall not credit any amount to your Larstal Account and/or may deduct the amount of the Card Transaction from your Card or Larstal Account, if applicable. If you do not have sufficient balance for the deduction, you must repay us the amount immediately on demand. On the contrary, if we decide that a Card Error occurred, we will credit you the correspondent amount in your Larstal Account. For the avoidance of doubt, Card Errors do not include buyer’s remorse, issues with the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card or if you do not receive those goods or services, or routine inquiries about the balance in your Larstal Account or a request for documentation or other information for your record keeping or tax purposes. C. Your Liability for Unauthorized Card Transactions An unauthorized Card Transaction occurs when your Card is used, and it was not authorized by you and did not benefit you. For example, if someone accesses your virtual Card fraudulently or without your consent and uses your Card to access funds in your Larstal Account, an unauthorized Card Transaction has occurred. A Card Transaction used by someone to whom you gave access to your Card who then uses your Card without your knowledge or permission is not considered unauthorized. You are responsible for transactions made in such a situation. You agree to exercise reasonable control over your Card and Access Information. If you believe your Card or Access Information has been lost or stolen, or if you believe that transactions have been made in your Larstal Account without your permission using your Card, you should inform Larstal right away. 18.1. We may at any time transfer all or any of our rights and obligations under these Terms to any third party (including by way of merger, consolidation or the acquisition of all or substantially all of our business and assets relating to these Terms), but this will not affect your rights or our obligations under these Terms. 18.2. You may not assign or transfer your Card and your obligations under these Terms. We do not waive our rights by delaying or failing to exercise them, in whole or in part, at any time. Notwithstanding the foregoing, these Terms shall be binding on you, your authorized users, your heirs, your executors, administrators, guardians, personal representatives, or trustee in bankruptcy. 18.3. Nothing in these Terms is intended to, or shall be construed so as to, establish or imply any partnership or joint venture or a relationship of principal and agent between you and us or constitute either of you or us as the agent of the other party, or authorize you or us to make or enter into any commitments for or on behalf of the other party. 18.4. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. 18.5. If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you. 18.6. These Terms are provided to you in the English language. Where we have provided a translation of these Terms to you, you agree that such translation is provided for your convenience only and that the English language version of these Terms will govern your relationship with us. If there is any contradiction between the English language version of these Terms and any translation, the English language version takes precedence. 18.7 We shall not have any liability under, or be deemed to be in breach of, these Terms for any delays or failures in performance of any of our obligations under these Terms that result from a force majeure event. 19. Governing Law and Jurisdiction 19.1. These Terms and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales. 19.2. Each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims). If you are a resident of Northern Ireland or Scotland, you may also bring proceedings in Northern Ireland or Scotland respectively. 20. Complaints handling 20.1. If you wish to make a complaint or a question about the Card, You can email us at support@larstal.com, with brief details of your complaint and the phone number and email address associated with your Larstal Account or request our complaint form and send to our service email address on the form. 21.1. You accept and agree that we may serve notices to you in writing to the email address and/or mobile number linked to your Larstal Account. You may amend the same from time to time. 21.2. You agree that we may provide you with notices and other disclosures in connection with your Account and the Card by email or by posting notices on the website or mobile app. --- ### Page: https://www.astropay.com/united-kingdom/cards Title: Cards Language: en Canonical URL: https://www.astropay.com/united-kingdom/cards ## Headings Structure: H1: Terms and Conditions of Use for Visa Virtual Card H2: Get the
AstroPay App ## Main Content: H1: Terms and Conditions of Use for Visa Virtual Card H4: Information we collect H2: Get the
AstroPay App IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Card (as defined below), which are provided by Larstal Limited, a United Kingdom company with registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, (“we”, “us” or “our”) to any person whose application we approve (“you” or “your”). These Terms form a binding contract and apply only to your use of your Virtual Visa Card issued by Wallester AS, pursuant to a license from Visa (the “Card”). These Terms complement the separate customer agreement that you as a user enter into with your Card issuer Wallester AS available in the following link Wallester ASTerms and Conditions. These Terms are also complementary to the Terms and Conditions (the “General Terms”) accepted by you for the usage of your Larstal Account. In case of any inconsistency or discrepancy between these Terms and the General Terms, these Terms shall prevail. “Access Information” means your username, password, challenge questions, and any other security or access information required to access or use your Card or Larstal Account. “Applicable Law” means any law, rule or regulation of a federal, state, municipal of foreign or local government, or any rule or regulation of any clearing house or network involved in the transaction, which apply to the product and services provided to you under these Terms. “Card” means your virtual Visa Card issued by Wallester AS. “Card Number” means the unique 16-digit number embossed on your virtual Card, if applicable, used to identify your Card. “Card Transaction(s)” means using your Card to pay for goods and services online or over the phone. “Cardholder” means the person authorized to use the Card. Only one Cardholder is permitted per Card. “Issuer” means Wallester AS. “We” or “Larstal” means Larstal Limited, and its successors, assigns and affiliates. “Larstal Account” means the digital wallet account you have opened with Larstal and through which you access funds for use with your Card. “Larstal Account Transactions” for purposes of these Terms means any and all payments into or out of your Larstal Account that do not involve use of the Card. For the avoidance of doubt, Larstal Account Transactions are not covered by these Terms and are services provided to you under the General Terms. “You” and “your” mean the person who has requested the Card and is authorized to use the Card as provided for in these Terms. 2.1. The Card is issued by Wallester in Euros currency and is not a gift card or gift certificate, nor a credit card. The Card cannot be redeemed for cash, is not for resale and may not be transferred or assigned. It may be canceled, repossessed or revoked at any time without prior notice subject to applicable law. 2.2. The Card is not designed for business use. You acknowledge and undertake to only use your Card for purchases of goods and/or services and/or online payments. We may close your Larstal Account and/or your Card if we determine that it is being used for business purposes or any other purposes. We may refuse to process any Card Transaction that we believe may violate these Terms and/or Applicable Law. 2.3. The Card can be used to access and spend money stored in your Larstal Account. You can use the Card at any location that displays the Visa acceptance mark, including shops, restaurants, online or on the telephone. Larstal reserves the right to cancel or suspend your Card at any time for any reason. 2.4. You acknowledge and agree that the value available to spend with your Card is limited to the funds maintained in your Larstal Account. 2.5. You may not use your Card or Larstal Account to obtain cash anywhere, including an automatic teller machine or any point of sale device. 3.1. If applicable, We shall charge you the fees as set out in the Fees Schedule located in the website or mobile app. As that Schedule may be amended from time to time in accordance with this Clause (the “Fees”), you agree that any amount due and payable to us under these Terms may be deducted from your Card or Larstal Account, without further notice. We further reserve the right to change our Fees upon two (2) months notice given to you through the website or mobile app or by email prior to such changes going into effect. Such deductions may be made at any time, and without us notifying you, but these will be reflected in the information in your Larstal Account. 3.2. Your Card is subject to certain spending transaction limits. You can find more information about these transaction limitations on the website or mobile app, or by contacting support at support@larstal.com. We reserve the right to increase or decrease your limit at any time or add additional limitations to your use of the Card in our sole discretion without notice to you except as required by law, for security, risk or other reasons. 4. Address or Name Changes All information you provide during the onboarding process for a Card or any time thereafter must be complete, accurate and truthful. You are responsible for keeping your mailing address, email address, telephone number, and other contact information with us up-to-date. If you need to make changes to your profile after your Card has been issued, you can update your information by logging into your Larstal Account or by contacting the Larstal Support Team. 5.1. You should not share your Virtual Card number, its Card Verification Value “CVV” and/or expiry dates with anyone. Do not send your Virtual Card details in an email or text message. Make sure your Virtual Card details are secured with encryption when you use your Virtual Card to perform transactions over the Internet or wireless networks. 5.2. You are responsible for maintaining adequate security and control of your Card, or any other details that you use to access your Larstal Account. If you know or suspect that your Card or Card Number has been lost, stolen or otherwise compromised, please let Larstal know immediately by contacting the Support Team or reporting your Card lost or stolen in your Larstal Account or through the Mobile App (if and when available). Any undue delay may result in you being liable for any losses where your failure to notify us is intentional or grossly negligent. If you suspect that your Card is being used by someone else you should also contact the police and report the incident. You may not request an additional Card for another person. 7.1. Each time you use your Card, you authorize us to reduce the value available in your Card by the amount of the transaction and any applicable fees. You are not allowed to exceed the amount of available funds in your Virtual Card through an individual transaction or a series of transactions. We may temporarily “freeze” your Card and/or Larstal Account and attempt to contact you if we notice transactions that are unusual or appear suspicious. 7.2. You acknowledge and agree that by creating a Card you authorize Larstal to transfer the funds deposited in your Larstal Account into your Card as provided in this paragraph until you block or terminate the Card. When the Card is used for a transaction at a merchant, an authorization request will be transmitted to us from a merchant. We will only authorize the request if you have sufficient funds in your Larstal Account to fulfill the entire transaction. The funds will then be debited from your Larstal Account or from your Card for the amount of the transaction. 7.3. Except as otherwise stated herein, you may use your Card as long as the total value of your Card Transaction and any applicable fees do not exceed the value available on your Larstal Account and your Larstal Account is in good standing. 7.4. Certain types of transactions may be prohibited. If you have questions about what transactions are prohibited, please contact the Support Team. 7.5. In case of foreign or cross-border transactions, the international exchange rate provided by the Franchise Rules of Visa in order to settle the transaction will be applied. The rate applied will be binding on you and you will have no rights to dispute or question any such exchange rate. Changes in the way the exchange rate is converted will take effect without notice. 8.1. You are responsible for keeping track of your Card available balance. It is important to know the amount of available funds in your Card before performing a transaction. If you do not have sufficient available funds in your Card to cover the transaction amount, the transaction will be declined. Adjustments may be made to your Card / Larstal Account to reverse an error, reflect a merchant adjustment, or resolve a dispute regarding a transaction posted to your Card / Larstal Account. Larstal shall be entitled to reverse the incorrect credit or debit at any time whatsoever without your consent. You shall be liable and responsible to Larstal and agree to accept and abide Larstal’s instructions in respect of reversing any unfair gain made by you as a result of the same. You shall be informed of such reversal by Larstal. 8.2. Negative balances are not authorized under any circumstance. You must not undertake or attempt to undertake Card Transactions that exceed the amount of funds available in your Larstal Account. If any purchase takes you over your available funds or the card limits in force from time to time, the transaction will be declined. 9. No Warranty Regarding Goods or Services as Applicable; Returns and Refunds 9.1. Larstal is not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. Any disputes or issues with any goods or services you purchase with your Card should be addressed to the merchants or individuals from whom the goods and services were purchased. 9.2. If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Larstal Account for such refunds and agree to the refund policy of the respective merchant. Merchant refunds in an amount equal to or less than the amount of the corresponding debit will be provided to Larstal for posting to the Larstal Account when received. Larstal has no control over when a merchant sends a refund transaction; there may be a delay between the date of the refund transaction and the date the refund amount is credited into your Larstal Account. If you have questions about a refund that has not been posted to your Larstal Account you must contact the merchant where you made the purchase. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were purchased. 10.1. Subject to Applicable Law, you may use your Card only through the Card expiration date. The expiration date is identified on the virtual card image displayed within your Larstal Account. 10.2. Following expiry or cancellation of your Card or termination of these Terms, you will not be able to use your Card. 10.3. If there is a positive balance of funds in your Card upon expiration we may reverse remaining funds into your Larstal Account. If you need to block your Card for any reason, please contact our Customer Service at support@larstal.com. 11.1 A record of your Card Transactions will always be available to you in your Larstal Account. You should always obtain a receipt from the merchant at the time you make a purchase or transaction using your Card and retain, verify, and reconcile your transactions and receipts. Larstal is not liable for providing a receipt for transactions initiated through the use of the Card that you should have obtained from a merchant. 12. Suspension and termination 12.1. Larstal can close or suspend your Larstal Account and/or your Card at any time for any reason (see General Terms). Any such closure or suspension would terminate or suspend your ability to use your Card. 12.2. You agree not to use or to allow others to use an expired, revoked, canceled, suspended or otherwise invalid Card. 12.3. Larstal will not be liable to you because of the unavailability of the funds that may be associated with your Card or Larstal Account, except as required by Applicable Law. 12.4. You may cancel your Card, your Larstal Account, or these Terms at any time by notifying support@larstal.com. Cancellation or suspension of these Terms will not affect any of our rights or your obligations arising under these Terms prior to such cancellation or suspension, including any pending transactions. 12.5. If the Card remain inactive (without transaction) more than 60days, AstroPay reserve the right to cancel the Card immediately after the 60days. 13. Liability and Indemnity 13.1. If we fail to comply with these Terms, we shall be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we shall not be responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us when you activated your Larstal Account and/or your Card. 13.2. We shall not be liable if: (a) through no fault of ours, you do not have enough available funds in your Card to perform the transaction; (b) circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or natural disaster) prevent or delay the transfer despite reasonable precautions taken by us; (c) the system was not working properly and you knew about the problem when you initiated the transaction; (d) the funds in your Larstal Account are subject to legal process or are otherwise not available for transactions; (e) the merchant refuses to accept your Card; (f) if access to your Card has been blocked after you reported your Card lost or stolen; (g) if we have reason to believe the transaction is unauthorized; (h) the transaction cannot be completed because your Card is expired or canceled; or (i) any other exception stated in these Terms. 13.2. Except as otherwise expressly provided in these Terms or as required by Applicable Law, neither Larstal nor our respective affiliates, officers, directors, employees or agents, or other parties with whom Larstal contract in order to offer the Card, the Larstal Account or related services, shall have any responsibility or liability for any indirect, incidental, consequential, special, exemplary or punitive damages, whether based on negligence, willful misconduct, tort, contract or any other theory of law, or for any damages for loss of data, loss of income, failure to realize expected revenues or earnings, loss of profits or any other economic or pecuniary loss, in each case arising out of or relating in any way to the Card, the Larstal Account, any products or services purchased using the Card, or these Terms (as well as any related or prior agreement that you may have had with us). 13.3. We shall not be liable for any unauthorized or incorrectly executed Card Transactions in the event that the Card Transaction was affected by abnormal and unforeseeable circumstances beyond our reasonable control or where we acted in accordance with a legal or regulatory obligation. 13.4. At our request, you agree to defend, indemnify, and hold harmless us and our parents, subsidiaries, and other affiliated companies, and our and their employees, contractors, officers, and directors against any and all claims, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses (including, without limitation, reasonable attorneys’ fees) that arise from your violation of these Terms, applicable law, or any third-party rights or your fraud or willful misconduct. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses. 13.5. This Clause shall survive cancellation of these Terms. 14. Additional obligations of the User. 14.1. We may refuse to authorize any transactions or a use of the Card that could breach these Terms, or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other illegal or unauthorized use of the Card. Nevertheless, we are not a party to any Card Transactions, and we disclaim any liability for any failures, breaches, acts or omissions of the merchants in connection with the Card Transactions. 14.2. Your ability to use or access the Card may occasionally be interrupted, for example if we need to carry out maintenance on our systems. (a) to only use the Card for lawful purposes and to adhere at all times to all Applicable Laws and these Terms; (b) not to attempt to discover any source code included in the website or mobile app or Larstal Account, upload to our systems any malware, viruses or other unauthorized object code or source code, or otherwise disrupt or interfere with the conduct of the Service; (c) not to copy, adapt, reverse engineer, decompile, disassemble, modify, adapt or make error corrections to the website or mobile app in whole or in part, except to the extent permitted by Applicable Law. If a court finds any provision of these Terms invalid or unenforceable such finding shall not make the rest of these Terms invalid or unenforceable. To the fullest extent possible, any such provision shall be deemed to be modified so as to be rendered enforceable or valid; however, if such provision cannot be so modified, it shall be stricken and all other provisions of these Terms in all other respects shall remain valid and enforceable. 16. Amendment and Cancellation 16.1. We may amend or change the terms and conditions of these Terms at any time, subject to Applicable Law. You will be notified of any change in the manner required by Applicable Law and by posting an updated version of these Terms in the website and/or mobile app. If the change is made for security purposes or if advanced notification is not required by Applicable Law, we may implement such change without prior notice. You may end these Terms and cancel your Card at any time by logging into your Larstal account or by contacting the Support Team. 16.2. Your cancellation of these Terms will not affect any of our rights or your obligations arising under these Terms prior to termination. 16.3. Upon termination of these Terms for any reason, we may continue to process your personal data in accordance with the terms of our Privacy Policy and Cookie Notice, as applicable, in accordance with data protection legislation. 16.4. The Terms in effect as of the date of the termination will survive and continue to apply to any aspects of your use of the website or mobile app prior to termination, including your Account information, your available balance, and any outstanding Card Transactions. 17. Information About Your Right to Dispute Errors A. Contact Information If you think your Transaction history is wrong with respect to a Card Transaction, or if you need more information about a Card Transaction listed on the transaction history in your Larstal Account, you can contact the Support Team at support@larstal.com. For errors or potential errors in your Larstal Account that are not related to the Card, please consult the Larstal Account Terms of Use. “Card Errors” include, but are not limited to, the following: i. A Card Transaction that you did not authorize. ii. A duplicate transaction that you did not authorize. iii. A recurring Card Transaction that you had canceled prior to the occurrence of the Card Transaction. iv. An incorrect Card Transaction. In relation to a Card Error you must contact us without undue delay (i.e. as soon as you become aware of the problem). We will not be held liable for any Card Error that was unauthorized or incorrectly executed if you have failed to contact us without undue delay – in these circumstances you may be held liable. We must hear from you no later than sixty (60) days after the earlier of the date you accessed your Larstal Account regarding a Card Error or if the Card Error could be viewed in your Card Transaction history. In your complaint, you must include: 1. Your name, address and Card number; 2. Why you believe there is an error, and the amount involved; 3. Approximately when the error took place; and 4. Any other necessary information that can prove the existence of the Card Error. Subject to you notifying us without undue delay, We will determine whether an error occurred within ten (10) business days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. We will tell you the results within three (3) business days after completing our investigation. If we decide that no Card Error occurred, or you have acted fraudulently or have with intent or gross negligence failed to keep your Larstal Account security details safe, we shall not credit any amount to your Larstal Account and/or may deduct the amount of the Card Transaction from your Card or Larstal Account, if applicable. If you do not have sufficient balance for the deduction, you must repay us the amount immediately on demand. On the contrary, if we decide that a Card Error occurred, we will credit you the correspondent amount in your Larstal Account. For the avoidance of doubt, Card Errors do not include buyer’s remorse, issues with the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card or if you do not receive those goods or services, or routine inquiries about the balance in your Larstal Account or a request for documentation or other information for your record keeping or tax purposes. C. Your Liability for Unauthorized Card Transactions An unauthorized Card Transaction occurs when your Card is used, and it was not authorized by you and did not benefit you. For example, if someone accesses your virtual Card fraudulently or without your consent and uses your Card to access funds in your Larstal Account, an unauthorized Card Transaction has occurred. A Card Transaction used by someone to whom you gave access to your Card who then uses your Card without your knowledge or permission is not considered unauthorized. You are responsible for transactions made in such a situation. You agree to exercise reasonable control over your Card and Access Information. If you believe your Card or Access Information has been lost or stolen, or if you believe that transactions have been made in your Larstal Account without your permission using your Card, you should inform Larstal right away. 18.1. We may at any time transfer all or any of our rights and obligations under these Terms to any third party (including by way of merger, consolidation or the acquisition of all or substantially all of our business and assets relating to these Terms), but this will not affect your rights or our obligations under these Terms. 18.2. You may not assign or transfer your Card and your obligations under these Terms. We do not waive our rights by delaying or failing to exercise them, in whole or in part, at any time. Notwithstanding the foregoing, these Terms shall be binding on you, your authorized users, your heirs, your executors, administrators, guardians, personal representatives, or trustee in bankruptcy. 18.3. Nothing in these Terms is intended to, or shall be construed so as to, establish or imply any partnership or joint venture or a relationship of principal and agent between you and us or constitute either of you or us as the agent of the other party, or authorize you or us to make or enter into any commitments for or on behalf of the other party. 18.4. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. 18.5. If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you. 18.6. These Terms are provided to you in the English language. Where we have provided a translation of these Terms to you, you agree that such translation is provided for your convenience only and that the English language version of these Terms will govern your relationship with us. If there is any contradiction between the English language version of these Terms and any translation, the English language version takes precedence. 18.7 We shall not have any liability under, or be deemed to be in breach of, these Terms for any delays or failures in performance of any of our obligations under these Terms that result from a force majeure event. 19. Governing Law and Jurisdiction 19.1. These Terms and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales. 19.2. Each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims). If you are a resident of Northern Ireland or Scotland, you may also bring proceedings in Northern Ireland or Scotland respectively. 20. Complaints handling 20.1. If you wish to make a complaint or a question about the Card, You can email us at support@larstal.com, with brief details of your complaint and the phone number and email address associated with your Larstal Account or request our complaint form and send to our service email address on the form. 21.1. You accept and agree that we may serve notices to you in writing to the email address and/or mobile number linked to your Larstal Account. You may amend the same from time to time. 21.2. You agree that we may provide you with notices and other disclosures in connection with your Account and the Card by email or by posting notices on the website or mobile app. --- ### Page: https://www.astropay.com/es/united-kingdom/privacy-and-cookies-policy-for-individuals Title: Privacy and Cookies Policy (for individuals) Language: es-AR Canonical URL: https://www.astropay.com/es/united-kingdom/privacy-and-cookies-policy-for-individuals ## Headings Structure: H1: PRIVACY POLICY UK & REST OF THE WORLD H2: Descarga la app de AstroPay ## Main Content: H1: PRIVACY POLICY UK & REST OF THE WORLD H4: 1. INTRODUCTION H4: 2. CATEGORIES OF PERSONAL DATA, PURPOSE, AND LEGAL BASIS H4: 3. RECIPIENTS OF YOUR PERSONAL DATA H4: 4. TRANSFER OF YOUR PERSONAL DATA TO A THIRD COUNTRY (OUTSIDE OF EU/EEA) H4: 5. STORAGE OF YOUR PERSONAL DATA H4: 6. SOCIAL MEDIA H4: 7. USE OF COOKIES H4: 8. YOUR RIGHTS H4: 9. QUESTIONS OR COMPLAINTS H4: 10. AMENDMENTS ON THIS POLICY H2: Descarga la app de AstroPay At AstroPay we understand the importance of treating the personal data of our business partners, website visitors and other persons we may interact such as potential users with in a confidential and private manner. AstroPay is committed to following the requirements and obligations in relation to data privacy in accordance with applicable law, including (i) the UK Data Protection Act 2018; and (ii) the EU law version of the General Data Protection Regulation ((EU) 2016/679) as amended and adopted by UK law by virtue of section 3 of the European Union (Withdrawal) Act 2018 (the “UK GDPR”). Therefore, we have secure and adequate data processing procedures in place. AstroPay is short for and the brand name of the AstroPay Group under which the legal entities Larstal Limited, C/O Kirk Rice LLP Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, business registration number 11970628, (“Larstal Limited”) and AP Global Corporation LLP, 4 King’s Bench Walk, Temple, London, EC4Y 7DL, England, business registration number OC346322 (“AP Global”) belong. For the purpose of the brand and the general recognisability, Larstal Limited and AP Global is referred to as AstroPay in this privacy and cookie policy (“Policy”). The data controller for the processing of your personal data is AP Global.  Below, AstroPay has provided an overview of the processing activities in which personal data are processed, including among others the purpose thereof and the legal basis. If you have any question about this Policy or you wish to exercise your data subject rights pursuant to Chapter III of the UK GDPR and according to section 8 of this Policy, please contact AstroPay by sending an email to dataprotection@astropay.com. 2.1 Website visitors. When you visit AstroPay’s website: www.AstroPay.com (“Website”), AstroPay will process personal data about you, for instance, cookies, browser type and version, IP-address, and length of visit. The purpose of using cookies is, to improve your user experience on our website, to provide functionality, to generate statistics, to target the marketing of our products to your needs, and to remember your preferences. Find more information about your use of cookies in Section 7 below. The legal basis for the processing of your personal data is AstroPay’s legitimate earnings and it is AstroPay’s assessment that our legitimate earnings override your earnings or fundamental rights and freedoms do not override those earnings, under Art. 6(1)(f) of the UK GDPR. The legitimate earnings pursued are to provide you with a website that works optimally, a good website experience and marketing activities. In certain cases, the legal basis for the processing of your personal data in this regard is your consent, which you will be asked to give when you visit the Website, under Art. 6(1)(a) of the UK GDPR. 2.2 Contact persons at a business partner and other persons AstroPay interacts with. As a contact person at a business partner and as other persons we interact with, e.g. resellers, affiliates or potential Users, AstroPay processes your personal data when you communicate with AstroPay, e.g., via emails in connection with AstroPay’s existing contractual relation with the company you are employed with or in connection with the conclusion or termination of a contract. AstroPay processes ordinary personal data about you, including your name, email address, telephone number, position, etc. The legal basis for such processing of your personal data is that the processing is necessary for the purposes of legitimate earnings pursued by AstroPay and it is AstroPay’s assessment that our legitimate earnings override your earnings or fundamental rights and freedoms, cf. Art. 6(1)(f) of the UK GDPR. AstroPay’s legitimate earnings are fulfilment of our contractual obligations, maintaining and enhancing business relationships, invoicing for the services your company provides to AstroPay and/or vice versa, communicating with you if you have any questions related to our services or vice versa, and for documentation purposes in the event you agree on matters relating to our services in writing via email. In some cases, processing of personal data is necessary in order to comply with a legal obligation to which AstroPay is subject. In such cases, the legal basis for the processing is Art. 6(1)(c) of the UK GDPR. 2.3 Online contact form inquiries and live chat support function. When you use our online contact form or our live chat support function, we process the information you provide in order to deal with your inquiries, such as name, email address, phone number and the content of your inquiry. AstroPay will not process special categories of personal data (sensitive personal data) about you, e.g. health information, unless you have provided us with such information in your inquiry. AstroPay kindly encourages you not to submit such sensitive personal data. The legal basis for the processing of personal data is AstroPay’s legitimate earnings and it is our assessment that our legitimate earnings override your earnings and fundamental rights and freedoms, under Art. 6(1)(f) of the UK GDPR. The legitimate earnings pursued are to provide support to our business partners by answering the inquiries and business development. 2.4 Social media. We use certain social media to get in touch with our customers and potential customers, as well as promote our marketing initiatives. If you have been to these sites and “liked” or “followed” our fan page or have been in contact with us through these sites, we will process your personal data. We only process information about your name and email. If you contact us via social medias, we process your information based on our interest in being able to contact you and respond to your inquiries (GDPR art. 6(1)(f)). The information will come from you and the social media through which you contact us. We have a so-called joint controllership with the social medias that we use as we both use your data for our own purposes. You can read more about the social media´s processing of your personal data in the following: Information processed in connection with social media that involves direct communication via the social media is deleted immediately. Posting on, for example, Facebook pages or in public groups are not deleted as a post or comment on Facebook pages or in public groups is considered public spaces. You can read about public spaces here. Where relevant, AstroPay may disclose or transfer your personal data to affiliates of AstroPay, business partners or other collaborators for business purposes. Such third parties also include social media providers, as described in section 6 below. In certain specific cases, e.g., in connection with disputes, including when the disclosure of your personal data is necessary for the establishment, exercise or defense of AstroPay’s legal claims, AstroPay may disclose your personal data to our advisers or other relevant third parties provided it is deemed necessary and lawful. Certain recipients process personal data on behalf of AstroPay and may only process your personal data in accordance with documented instructions given by AstroPay and further terms and conditions stated in a data processing agreement entered into with AstroPay. These data processors are not permitted to process your personal data for their own purposes. In certain cases, your personal data may be transferred to countries outside of the EU/EEA. AstroPay ensures that such transfer will be carried out in accordance with the applicable data protection laws. This entails that any party outside of the EU/EEA that will receive your personal data will ensure an adequate level of protection, for example, by entering into the EU standard contractual clauses (“SCCs”) and the UK international data transfer addendum (“IDTA”) with AstroPay. AstroPay will ensure the implementation of supplementary safeguards if deemed necessary in the specific case. You may receive a copy of the legal basis for transfers upon request. Please contact dataprotection@astropay.com. AstroPay will only store your personal data as long as it is deemed necessary to fulfil the purposes for the processing of your personal data. 5.1 Website visitors Personal data collected via cookies through use of our website are stored for different periods depending on the type and purpose of the cookie in question. See section 7 below. Personal data collected in relation to the use of social media will be erased when the content is deleted or when you withdraw your response to our content (likes, sharing, etc.). See more in section 6 below. 5.2 Contact person at a business partner and other persons we interact with. If you are a contact person at a business partner or other persons we interact with, AstroPay will store personal data about you as long as AstroPay communicates with you because you are AstroPay’s point of contact, 3 years after termination of the contractual relationship, or until it is no longer necessary for the establishment, exercise, or defense of a legal claim. 5.3 Inquiries via online contact form and communication via live chat function. The inquiries and communication, e.g. from potential customers, will be deleted 1 year from the inquiry is resolved, unless it is deemed necessary to store such inquiries for documentation purposes e.g., due to a dispute, including for the establishment, exercise or defense of legal claims. 5.4 Bookkeeping material AstroPay will store your personal data to the extent it is necessary for bookkeeping purposes necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. Such personal data will be stored for a period of 5 years from the end of the financial year to which the accounting records relate. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you. Our website uses social media plug-ins (“Plug-ins”) from the social networking sites Facebook, Instagram, LinkedIn, YouTube, TikTok, and Twitter. When you visit our social media sites on Facebook, Instagram and LinkedIn or our Website where social media Plugins have been installed, our social media service providers collect and process your personal data using cookies, subject to your consent to the service provider, as applicable. Such collection and processing take place even if you have no account on the social media. If you access our website using such a Plug-in, your browser will contact the server of the underlying social networking site, load the visual presentation of the Plug-in, and present it to you. While this is happening, the social networking site receives information concerning your visit to our website, as well as further data such as your IP address. AstroPay receives anonymous demographic and geographic statistics from the social media on the visitors on our website and our social media sites. AstroPay is a joint data controller with our social media providers for personal data collected and processed in connection with your visit to our social media sites and our website. It means, among other things, that you may contact both AstroPay and the social media providers to exercise your rights under the UK GDPR. The social media providers have primary responsibility for ensuring compliance with the UK GDPR and responding to requests from visitors on their sites. If you are registered as a user of the special media providers, you may exercise your rights via your account settings on their sites. We have no influence on the amount of data that social networking sites collect via an active Plug-in. For more information, please consult the relevant data privacy notice: Facebook: www.facebook.com/policy ‍Instagram: https://help.instagram.com/519522125107875/?maybe_redirect_pol=0 LinkedIn: https://www.linkedin.com/legal/privacy-policy YouTube: https://www.youtube.com/intl/ALL_ie/howyoutubeworks/our-commitments/protecting-user-data/ ‍TikTok: https://www.tiktok.com/legal/privacy-policy-eea?lang=en ‍Twitter: https://twitter.com/en/privacy. When you visit www.AstroPay.com for the first time, you will be asked to give your explicit consent to the use of cookies on the Website or decline the use of all or some of the cookies. Please note that the use of functionality cookies does not require your consent, as such cookies are necessary for the function of the Website. We encourage you to accept the cookies used by the Website, because it will help us improve you and other people’s experience when visiting the Website. If you decline the use of cookies, there may be a variety of functionalities on the Website, which you cannot utilise. When you use our website, we do not register any information that can identify you directly, such as name and address. However, we register how you navigate around the site, so we can learn more about how our site is used, and we register your IP-address, which can identify indirectly. 7.1 What are cookies. A cookie is a text file that is sent to your browser from our website and saved on your computer, phone or whichever device you use to access the internet. However, the meaning of the word “cookies” in this Policy and in the cookie consent text also includes other kinds of automated data collection, e.g. Flash-cookies (Local Shared Objects), Web Storage (HTML5), JavaScript’s or cookies placed by the use of other kinds of software.  There are basically two types of cookies – so-called session cookies and persistent cookies. Session cookies are information units that are deleted when you close your web browser. Persistent cookies are information units that are stored on your computer until they are deleted. Persistent cookies delete themselves after a certain period but are renewed each time you visit the Website. AstroPay uses both session and persistent cookies. Read more about this below in section 7.6 where you will also find an overview of the specific cookies we use. 7.2 The purpose of cookies. Cookies may be used for a number of purposes, but in essence they are used to save information about your activity on the internet. Cookies contain information that later in time can be read by a web server on the domain that issued the cookie in question. This means that the relevant website remembers you the next time you visit it. We collect information via cookies in order to improve your user experience on our website and products, to provide and improve usability and functionality, to generate statistics, analysis and website performance reviews, to remember your preferences, marketing purposes, tracking of your location and to customize our advertising on social media platforms. The benefit for you is that you will save time next time you visit the Website, as you do not have to enter the same information again and that the content will be adjusted to your preferences. 7.3 How long are cookies stored? Cookies can be stored for varying lengths of time on your browser or device. Session cookies are deleted from your computer or device when you close your web-browser. Persistent cookies will remain stored on your computer or device until deleted or until they reach their expiry date. Find information on the specific retention periods of the various cookies in the cookie declaration below. 7.4 Types of cookies. There are 4 varieties of cookies which operate on our website: 7.4.1 The essentials. Some cookies are essential for you to be able to experience the full functionality of our website. Without these cookies, most parts of our website will not work as they should. 7.4.2 The customizers. These cookies (also called functional cookies) allow our website to remember your preferences, helping you to customise your experience. That way we can remember you when you return to our website, avoid showing you notifications you have already seen and dismissed, show you payment options and offers available in your country or specifically for you, provide you with Live Chat Support and other services of the sort. 7.4.3 The performance improvers. These cookies tell us about how you use the Website and they help us in making it better. For example, these cookies count the number of visitors to our website and see how website visitors move around when they are using it. This gives us invaluable information to understand user preferences and design to improve our website accordingly. These are the cookies that allow us to give you a better service every day. 7.4.4 The advertisers. These cookies (also called advertising cookies) are used to track the effectiveness of our ad campaigns on third party websites, which you may have seen or even got to know about AstroPay through them. These cookies are placed on our website by our third-party service providers, may remember your web browsing activity and may be used to understand your demographics, such as age and gender. 7.5 Third party cookies. In order to further develop and improve the Website, we use cookies from certain third parties. The purposes are preparation of statistics and analyses of online behavior. The third parties place the cookies on your computer on our behalf and prepare the statistics, etc. Third parties used are listed in the cookie declaration below. 7.6 Cookie declaration. Cookie declaration last updated on 16th September 2022 by WordPress.org: 7.7 Removal of cookies. You can always reject or deselect the location of cookies on your computer by changing the settings in your browser or by visiting the permanent representation of the cookie banner available on our website. Please note that if you opt out, there are many features and services on our website that you cannot use because they require the Website to remember the choices you make. Cookies that you have previously accepted can easily be deleted subsequently. If you use a computer with a newer browser, you can delete your cookies using the shortcut keys: CTRL + SHIFT + Delete. If the shortcut keys do not work and/or if you use a MAC, you must start by finding out which browser you are using, and then click on the relevant link with guidelines on how to opt out of cookies: Guidance – Firefox Guidance – Google Chrome Guidance – Edge Guidance – Safari Guidance – MS Edge. Note that if you use multiple internet browsers, you must delete cookies in all your browsers. AstroPay has implemented a number of measures to protect your personal data and ensure your rights. As a data subject, you can exercise the rights listed below. Please note that certain limitations may apply to your ability to exercise these rights, for example, when your right to obtain the information is found to be overwritten by essential considerations of private earnings. As a data subject you have the following specific rights, unless otherwise exceptionally provided by the data protection legislation: Right of access, Right of rectification, Right of erasure (“right to be forgotten”), Right to restriction of processing, Right to data portability, Right to object, Right to complain to the UK regulator for data protection issues.If you disagree with the way in which AstroPay processes your personal data, you may file a complaint with the Information Commissioner’s Office (“ICO”), the UK regulator for data protection issues, using the contact details that are available at www.ico.org.uk. However, we hope that you will contact us first, using the below contact details, so that we may reach agreement. Right to withdraw a former consent. If the processing of your personal data is based on your consent under Art. 6(1)(a) of the UK GDPR, you have the right to withdraw your consent at any time. Please note that your withdrawal does not affect the lawfulness of the previous processing of your personal data which until your withdrawal has been based on your consent. If you wish to exercise any of the above-mentioned rights, or if you wish to withdraw a former consent, you are welcome to contact us at dataprotection@astropay.com. To process your request, we need you to provide us with the following information: If you have any questions relating to this Policy, you wish to exercise your rights as mentioned above, or you disagree with the way AstroPay processes your personal data, you can contact AstroPay at dataprotection@astropay.com. You can also file a complaint to the ICO, which is an independent public authority that is responsible for monitoring and enforcing the application of the UK GDPR. The ICO’s contact information is available on its website: www.ico.org.uk. AstroPay has the right to modify this Policy regarding new technologies, regulatory requirements, or other purposes. For this reason, please visit this page periodically. Below is highlighted the date when the last version of this Policy has been uploaded.Date of the most recent version of this Policy: April 2024. --- ### Page: https://www.astropay.com/pt/united-kingdom/privacy-and-cookies-policy-for-individuals Title: Privacy and Cookies Policy (for individuals) Language: pt-BR Canonical URL: https://www.astropay.com/pt/united-kingdom/privacy-and-cookies-policy-for-individuals ## Headings Structure: H1: PRIVACY POLICY UK & REST OF THE WORLD H2: Baixe o app do AstroPay ## Main Content: H1: PRIVACY POLICY UK & REST OF THE WORLD H4: 1. INTRODUCTION H4: 2. CATEGORIES OF PERSONAL DATA, PURPOSE, AND LEGAL BASIS H4: 3. RECIPIENTS OF YOUR PERSONAL DATA H4: 4. TRANSFER OF YOUR PERSONAL DATA TO A THIRD COUNTRY (OUTSIDE OF EU/EEA) H4: 5. STORAGE OF YOUR PERSONAL DATA H4: 6. SOCIAL MEDIA H4: 7. USE OF COOKIES H4: 8. YOUR RIGHTS H4: 9. QUESTIONS OR COMPLAINTS H4: 10. AMENDMENTS ON THIS POLICY H2: Baixe o app do AstroPay At AstroPay we understand the importance of treating the personal data of our business partners, website visitors and other persons we may interact such as potential users with in a confidential and private manner. AstroPay is committed to following the requirements and obligations in relation to data privacy in accordance with applicable law, including (i) the UK Data Protection Act 2018; and (ii) the EU law version of the General Data Protection Regulation ((EU) 2016/679) as amended and adopted by UK law by virtue of section 3 of the European Union (Withdrawal) Act 2018 (the “UK GDPR”). Therefore, we have secure and adequate data processing procedures in place. AstroPay is short for and the brand name of the AstroPay Group under which the legal entities Larstal Limited, C/O Kirk Rice LLP Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, business registration number 11970628, (“Larstal Limited”) and AP Global Corporation LLP, 4 King’s Bench Walk, Temple, London, EC4Y 7DL, England, business registration number OC346322 (“AP Global”) belong. For the purpose of the brand and the general recognisability, Larstal Limited and AP Global is referred to as AstroPay in this privacy and cookie policy (“Policy”). The data controller for the processing of your personal data is AP Global.  Below, AstroPay has provided an overview of the processing activities in which personal data are processed, including among others the purpose thereof and the legal basis. If you have any question about this Policy or you wish to exercise your data subject rights pursuant to Chapter III of the UK GDPR and according to section 8 of this Policy, please contact AstroPay by sending an email to dataprotection@astropay.com. 2.1 Website visitors. When you visit AstroPay’s website: www.AstroPay.com (“Website”), AstroPay will process personal data about you, for instance, cookies, browser type and version, IP-address, and length of visit. The purpose of using cookies is, to improve your user experience on our website, to provide functionality, to generate statistics, to target the marketing of our products to your needs, and to remember your preferences. Find more information about your use of cookies in Section 7 below. The legal basis for the processing of your personal data is AstroPay’s legitimate earnings and it is AstroPay’s assessment that our legitimate earnings override your earnings or fundamental rights and freedoms do not override those earnings, under Art. 6(1)(f) of the UK GDPR. The legitimate earnings pursued are to provide you with a website that works optimally, a good website experience and marketing activities. In certain cases, the legal basis for the processing of your personal data in this regard is your consent, which you will be asked to give when you visit the Website, under Art. 6(1)(a) of the UK GDPR. 2.2 Contact persons at a business partner and other persons AstroPay interacts with. As a contact person at a business partner and as other persons we interact with, e.g. resellers, affiliates or potential Users, AstroPay processes your personal data when you communicate with AstroPay, e.g., via emails in connection with AstroPay’s existing contractual relation with the company you are employed with or in connection with the conclusion or termination of a contract. AstroPay processes ordinary personal data about you, including your name, email address, telephone number, position, etc. The legal basis for such processing of your personal data is that the processing is necessary for the purposes of legitimate earnings pursued by AstroPay and it is AstroPay’s assessment that our legitimate earnings override your earnings or fundamental rights and freedoms, cf. Art. 6(1)(f) of the UK GDPR. AstroPay’s legitimate earnings are fulfilment of our contractual obligations, maintaining and enhancing business relationships, invoicing for the services your company provides to AstroPay and/or vice versa, communicating with you if you have any questions related to our services or vice versa, and for documentation purposes in the event you agree on matters relating to our services in writing via email. In some cases, processing of personal data is necessary in order to comply with a legal obligation to which AstroPay is subject. In such cases, the legal basis for the processing is Art. 6(1)(c) of the UK GDPR. 2.3 Online contact form inquiries and live chat support function. When you use our online contact form or our live chat support function, we process the information you provide in order to deal with your inquiries, such as name, email address, phone number and the content of your inquiry. AstroPay will not process special categories of personal data (sensitive personal data) about you, e.g. health information, unless you have provided us with such information in your inquiry. AstroPay kindly encourages you not to submit such sensitive personal data. The legal basis for the processing of personal data is AstroPay’s legitimate earnings and it is our assessment that our legitimate earnings override your earnings and fundamental rights and freedoms, under Art. 6(1)(f) of the UK GDPR. The legitimate earnings pursued are to provide support to our business partners by answering the inquiries and business development. 2.4 Social media. We use certain social media to get in touch with our customers and potential customers, as well as promote our marketing initiatives. If you have been to these sites and “liked” or “followed” our fan page or have been in contact with us through these sites, we will process your personal data. We only process information about your name and email. If you contact us via social medias, we process your information based on our interest in being able to contact you and respond to your inquiries (GDPR art. 6(1)(f)). The information will come from you and the social media through which you contact us. We have a so-called joint controllership with the social medias that we use as we both use your data for our own purposes. You can read more about the social media´s processing of your personal data in the following: Information processed in connection with social media that involves direct communication via the social media is deleted immediately. Posting on, for example, Facebook pages or in public groups are not deleted as a post or comment on Facebook pages or in public groups is considered public spaces. You can read about public spaces here. Where relevant, AstroPay may disclose or transfer your personal data to affiliates of AstroPay, business partners or other collaborators for business purposes. Such third parties also include social media providers, as described in section 6 below. In certain specific cases, e.g., in connection with disputes, including when the disclosure of your personal data is necessary for the establishment, exercise or defense of AstroPay’s legal claims, AstroPay may disclose your personal data to our advisers or other relevant third parties provided it is deemed necessary and lawful. Certain recipients process personal data on behalf of AstroPay and may only process your personal data in accordance with documented instructions given by AstroPay and further terms and conditions stated in a data processing agreement entered into with AstroPay. These data processors are not permitted to process your personal data for their own purposes. In certain cases, your personal data may be transferred to countries outside of the EU/EEA. AstroPay ensures that such transfer will be carried out in accordance with the applicable data protection laws. This entails that any party outside of the EU/EEA that will receive your personal data will ensure an adequate level of protection, for example, by entering into the EU standard contractual clauses (“SCCs”) and the UK international data transfer addendum (“IDTA”) with AstroPay. AstroPay will ensure the implementation of supplementary safeguards if deemed necessary in the specific case. You may receive a copy of the legal basis for transfers upon request. Please contact dataprotection@astropay.com. AstroPay will only store your personal data as long as it is deemed necessary to fulfil the purposes for the processing of your personal data. 5.1 Website visitors Personal data collected via cookies through use of our website are stored for different periods depending on the type and purpose of the cookie in question. See section 7 below. Personal data collected in relation to the use of social media will be erased when the content is deleted or when you withdraw your response to our content (likes, sharing, etc.). See more in section 6 below. 5.2 Contact person at a business partner and other persons we interact with. If you are a contact person at a business partner or other persons we interact with, AstroPay will store personal data about you as long as AstroPay communicates with you because you are AstroPay’s point of contact, 3 years after termination of the contractual relationship, or until it is no longer necessary for the establishment, exercise, or defense of a legal claim. 5.3 Inquiries via online contact form and communication via live chat function. The inquiries and communication, e.g. from potential customers, will be deleted 1 year from the inquiry is resolved, unless it is deemed necessary to store such inquiries for documentation purposes e.g., due to a dispute, including for the establishment, exercise or defense of legal claims. 5.4 Bookkeeping material AstroPay will store your personal data to the extent it is necessary for bookkeeping purposes necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. Such personal data will be stored for a period of 5 years from the end of the financial year to which the accounting records relate. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you. Our website uses social media plug-ins (“Plug-ins”) from the social networking sites Facebook, Instagram, LinkedIn, YouTube, TikTok, and Twitter. When you visit our social media sites on Facebook, Instagram and LinkedIn or our Website where social media Plugins have been installed, our social media service providers collect and process your personal data using cookies, subject to your consent to the service provider, as applicable. Such collection and processing take place even if you have no account on the social media. If you access our website using such a Plug-in, your browser will contact the server of the underlying social networking site, load the visual presentation of the Plug-in, and present it to you. While this is happening, the social networking site receives information concerning your visit to our website, as well as further data such as your IP address. AstroPay receives anonymous demographic and geographic statistics from the social media on the visitors on our website and our social media sites. AstroPay is a joint data controller with our social media providers for personal data collected and processed in connection with your visit to our social media sites and our website. It means, among other things, that you may contact both AstroPay and the social media providers to exercise your rights under the UK GDPR. The social media providers have primary responsibility for ensuring compliance with the UK GDPR and responding to requests from visitors on their sites. If you are registered as a user of the special media providers, you may exercise your rights via your account settings on their sites. We have no influence on the amount of data that social networking sites collect via an active Plug-in. For more information, please consult the relevant data privacy notice: Facebook: www.facebook.com/policy ‍Instagram: https://help.instagram.com/519522125107875/?maybe_redirect_pol=0 LinkedIn: https://www.linkedin.com/legal/privacy-policy YouTube: https://www.youtube.com/intl/ALL_ie/howyoutubeworks/our-commitments/protecting-user-data/ ‍TikTok: https://www.tiktok.com/legal/privacy-policy-eea?lang=en ‍Twitter: https://twitter.com/en/privacy. When you visit www.AstroPay.com for the first time, you will be asked to give your explicit consent to the use of cookies on the Website or decline the use of all or some of the cookies. Please note that the use of functionality cookies does not require your consent, as such cookies are necessary for the function of the Website. We encourage you to accept the cookies used by the Website, because it will help us improve you and other people’s experience when visiting the Website. If you decline the use of cookies, there may be a variety of functionalities on the Website, which you cannot utilise. When you use our website, we do not register any information that can identify you directly, such as name and address. However, we register how you navigate around the site, so we can learn more about how our site is used, and we register your IP-address, which can identify indirectly. 7.1 What are cookies. A cookie is a text file that is sent to your browser from our website and saved on your computer, phone or whichever device you use to access the internet. However, the meaning of the word “cookies” in this Policy and in the cookie consent text also includes other kinds of automated data collection, e.g. Flash-cookies (Local Shared Objects), Web Storage (HTML5), JavaScript’s or cookies placed by the use of other kinds of software.  There are basically two types of cookies – so-called session cookies and persistent cookies. Session cookies are information units that are deleted when you close your web browser. Persistent cookies are information units that are stored on your computer until they are deleted. Persistent cookies delete themselves after a certain period but are renewed each time you visit the Website. AstroPay uses both session and persistent cookies. Read more about this below in section 7.6 where you will also find an overview of the specific cookies we use. 7.2 The purpose of cookies. Cookies may be used for a number of purposes, but in essence they are used to save information about your activity on the internet. Cookies contain information that later in time can be read by a web server on the domain that issued the cookie in question. This means that the relevant website remembers you the next time you visit it. We collect information via cookies in order to improve your user experience on our website and products, to provide and improve usability and functionality, to generate statistics, analysis and website performance reviews, to remember your preferences, marketing purposes, tracking of your location and to customize our advertising on social media platforms. The benefit for you is that you will save time next time you visit the Website, as you do not have to enter the same information again and that the content will be adjusted to your preferences. 7.3 How long are cookies stored? Cookies can be stored for varying lengths of time on your browser or device. Session cookies are deleted from your computer or device when you close your web-browser. Persistent cookies will remain stored on your computer or device until deleted or until they reach their expiry date. Find information on the specific retention periods of the various cookies in the cookie declaration below. 7.4 Types of cookies. There are 4 varieties of cookies which operate on our website: 7.4.1 The essentials. Some cookies are essential for you to be able to experience the full functionality of our website. Without these cookies, most parts of our website will not work as they should. 7.4.2 The customizers. These cookies (also called functional cookies) allow our website to remember your preferences, helping you to customise your experience. That way we can remember you when you return to our website, avoid showing you notifications you have already seen and dismissed, show you payment options and offers available in your country or specifically for you, provide you with Live Chat Support and other services of the sort. 7.4.3 The performance improvers. These cookies tell us about how you use the Website and they help us in making it better. For example, these cookies count the number of visitors to our website and see how website visitors move around when they are using it. This gives us invaluable information to understand user preferences and design to improve our website accordingly. These are the cookies that allow us to give you a better service every day. 7.4.4 The advertisers. These cookies (also called advertising cookies) are used to track the effectiveness of our ad campaigns on third party websites, which you may have seen or even got to know about AstroPay through them. These cookies are placed on our website by our third-party service providers, may remember your web browsing activity and may be used to understand your demographics, such as age and gender. 7.5 Third party cookies. In order to further develop and improve the Website, we use cookies from certain third parties. The purposes are preparation of statistics and analyses of online behavior. The third parties place the cookies on your computer on our behalf and prepare the statistics, etc. Third parties used are listed in the cookie declaration below. 7.6 Cookie declaration. Cookie declaration last updated on 16th September 2022 by WordPress.org: 7.7 Removal of cookies. You can always reject or deselect the location of cookies on your computer by changing the settings in your browser or by visiting the permanent representation of the cookie banner available on our website. Please note that if you opt out, there are many features and services on our website that you cannot use because they require the Website to remember the choices you make. Cookies that you have previously accepted can easily be deleted subsequently. If you use a computer with a newer browser, you can delete your cookies using the shortcut keys: CTRL + SHIFT + Delete. If the shortcut keys do not work and/or if you use a MAC, you must start by finding out which browser you are using, and then click on the relevant link with guidelines on how to opt out of cookies: Guidance – Firefox Guidance – Google Chrome Guidance – Edge Guidance – Safari Guidance – MS Edge. Note that if you use multiple internet browsers, you must delete cookies in all your browsers. AstroPay has implemented a number of measures to protect your personal data and ensure your rights. As a data subject, you can exercise the rights listed below. Please note that certain limitations may apply to your ability to exercise these rights, for example, when your right to obtain the information is found to be overwritten by essential considerations of private earnings. As a data subject you have the following specific rights, unless otherwise exceptionally provided by the data protection legislation: Right of access, Right of rectification, Right of erasure (“right to be forgotten”), Right to restriction of processing, Right to data portability, Right to object, Right to complain to the UK regulator for data protection issues.If you disagree with the way in which AstroPay processes your personal data, you may file a complaint with the Information Commissioner’s Office (“ICO”), the UK regulator for data protection issues, using the contact details that are available at www.ico.org.uk. However, we hope that you will contact us first, using the below contact details, so that we may reach agreement. Right to withdraw a former consent. If the processing of your personal data is based on your consent under Art. 6(1)(a) of the UK GDPR, you have the right to withdraw your consent at any time. Please note that your withdrawal does not affect the lawfulness of the previous processing of your personal data which until your withdrawal has been based on your consent. If you wish to exercise any of the above-mentioned rights, or if you wish to withdraw a former consent, you are welcome to contact us at dataprotection@astropay.com. To process your request, we need you to provide us with the following information: If you have any questions relating to this Policy, you wish to exercise your rights as mentioned above, or you disagree with the way AstroPay processes your personal data, you can contact AstroPay at dataprotection@astropay.com. You can also file a complaint to the ICO, which is an independent public authority that is responsible for monitoring and enforcing the application of the UK GDPR. The ICO’s contact information is available on its website: www.ico.org.uk. AstroPay has the right to modify this Policy regarding new technologies, regulatory requirements, or other purposes. For this reason, please visit this page periodically. Below is highlighted the date when the last version of this Policy has been uploaded.Date of the most recent version of this Policy: April 2024. --- ### Page: https://www.astropay.com/da/united-kingdom/privacy-and-cookies-policy-for-individuals Title: Privacy and Cookies Policy (for individuals) Language: da Canonical URL: https://www.astropay.com/da/united-kingdom/privacy-and-cookies-policy-for-individuals ## Headings Structure: H1: PRIVACY POLICY UK & REST OF THE WORLD H2: Download AstroPay-appen ## Main Content: H1: PRIVACY POLICY UK & REST OF THE WORLD H4: 1. INTRODUCTION H4: 2. CATEGORIES OF PERSONAL DATA, PURPOSE, AND LEGAL BASIS H4: 3. RECIPIENTS OF YOUR PERSONAL DATA H4: 4. TRANSFER OF YOUR PERSONAL DATA TO A THIRD COUNTRY (OUTSIDE OF EU/EEA) H4: 5. STORAGE OF YOUR PERSONAL DATA H4: 6. SOCIAL MEDIA H4: 7. USE OF COOKIES H4: 8. YOUR RIGHTS H4: 9. QUESTIONS OR COMPLAINTS H4: 10. AMENDMENTS ON THIS POLICY H2: Download AstroPay-appen At AstroPay we understand the importance of treating the personal data of our business partners, website visitors and other persons we may interact such as potential users with in a confidential and private manner. AstroPay is committed to following the requirements and obligations in relation to data privacy in accordance with applicable law, including (i) the UK Data Protection Act 2018; and (ii) the EU law version of the General Data Protection Regulation ((EU) 2016/679) as amended and adopted by UK law by virtue of section 3 of the European Union (Withdrawal) Act 2018 (the “UK GDPR”). Therefore, we have secure and adequate data processing procedures in place. AstroPay is short for and the brand name of the AstroPay Group under which the legal entities Larstal Limited, C/O Kirk Rice LLP Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, business registration number 11970628, (“Larstal Limited”) and AP Global Corporation LLP, 4 King’s Bench Walk, Temple, London, EC4Y 7DL, England, business registration number OC346322 (“AP Global”) belong. For the purpose of the brand and the general recognisability, Larstal Limited and AP Global is referred to as AstroPay in this privacy and cookie policy (“Policy”). The data controller for the processing of your personal data is AP Global.  Below, AstroPay has provided an overview of the processing activities in which personal data are processed, including among others the purpose thereof and the legal basis. If you have any question about this Policy or you wish to exercise your data subject rights pursuant to Chapter III of the UK GDPR and according to section 8 of this Policy, please contact AstroPay by sending an email to dataprotection@astropay.com. 2.1 Website visitors. When you visit AstroPay’s website: www.AstroPay.com (“Website”), AstroPay will process personal data about you, for instance, cookies, browser type and version, IP-address, and length of visit. The purpose of using cookies is, to improve your user experience on our website, to provide functionality, to generate statistics, to target the marketing of our products to your needs, and to remember your preferences. Find more information about your use of cookies in Section 7 below. The legal basis for the processing of your personal data is AstroPay’s legitimate earnings and it is AstroPay’s assessment that our legitimate earnings override your earnings or fundamental rights and freedoms do not override those earnings, under Art. 6(1)(f) of the UK GDPR. The legitimate earnings pursued are to provide you with a website that works optimally, a good website experience and marketing activities. In certain cases, the legal basis for the processing of your personal data in this regard is your consent, which you will be asked to give when you visit the Website, under Art. 6(1)(a) of the UK GDPR. 2.2 Contact persons at a business partner and other persons AstroPay interacts with. As a contact person at a business partner and as other persons we interact with, e.g. resellers, affiliates or potential Users, AstroPay processes your personal data when you communicate with AstroPay, e.g., via emails in connection with AstroPay’s existing contractual relation with the company you are employed with or in connection with the conclusion or termination of a contract. AstroPay processes ordinary personal data about you, including your name, email address, telephone number, position, etc. The legal basis for such processing of your personal data is that the processing is necessary for the purposes of legitimate earnings pursued by AstroPay and it is AstroPay’s assessment that our legitimate earnings override your earnings or fundamental rights and freedoms, cf. Art. 6(1)(f) of the UK GDPR. AstroPay’s legitimate earnings are fulfilment of our contractual obligations, maintaining and enhancing business relationships, invoicing for the services your company provides to AstroPay and/or vice versa, communicating with you if you have any questions related to our services or vice versa, and for documentation purposes in the event you agree on matters relating to our services in writing via email. In some cases, processing of personal data is necessary in order to comply with a legal obligation to which AstroPay is subject. In such cases, the legal basis for the processing is Art. 6(1)(c) of the UK GDPR. 2.3 Online contact form inquiries and live chat support function. When you use our online contact form or our live chat support function, we process the information you provide in order to deal with your inquiries, such as name, email address, phone number and the content of your inquiry. AstroPay will not process special categories of personal data (sensitive personal data) about you, e.g. health information, unless you have provided us with such information in your inquiry. AstroPay kindly encourages you not to submit such sensitive personal data. The legal basis for the processing of personal data is AstroPay’s legitimate earnings and it is our assessment that our legitimate earnings override your earnings and fundamental rights and freedoms, under Art. 6(1)(f) of the UK GDPR. The legitimate earnings pursued are to provide support to our business partners by answering the inquiries and business development. 2.4 Social media. We use certain social media to get in touch with our customers and potential customers, as well as promote our marketing initiatives. If you have been to these sites and “liked” or “followed” our fan page or have been in contact with us through these sites, we will process your personal data. We only process information about your name and email. If you contact us via social medias, we process your information based on our interest in being able to contact you and respond to your inquiries (GDPR art. 6(1)(f)). The information will come from you and the social media through which you contact us. We have a so-called joint controllership with the social medias that we use as we both use your data for our own purposes. You can read more about the social media´s processing of your personal data in the following: Information processed in connection with social media that involves direct communication via the social media is deleted immediately. Posting on, for example, Facebook pages or in public groups are not deleted as a post or comment on Facebook pages or in public groups is considered public spaces. You can read about public spaces here. Where relevant, AstroPay may disclose or transfer your personal data to affiliates of AstroPay, business partners or other collaborators for business purposes. Such third parties also include social media providers, as described in section 6 below. In certain specific cases, e.g., in connection with disputes, including when the disclosure of your personal data is necessary for the establishment, exercise or defense of AstroPay’s legal claims, AstroPay may disclose your personal data to our advisers or other relevant third parties provided it is deemed necessary and lawful. Certain recipients process personal data on behalf of AstroPay and may only process your personal data in accordance with documented instructions given by AstroPay and further terms and conditions stated in a data processing agreement entered into with AstroPay. These data processors are not permitted to process your personal data for their own purposes. In certain cases, your personal data may be transferred to countries outside of the EU/EEA. AstroPay ensures that such transfer will be carried out in accordance with the applicable data protection laws. This entails that any party outside of the EU/EEA that will receive your personal data will ensure an adequate level of protection, for example, by entering into the EU standard contractual clauses (“SCCs”) and the UK international data transfer addendum (“IDTA”) with AstroPay. AstroPay will ensure the implementation of supplementary safeguards if deemed necessary in the specific case. You may receive a copy of the legal basis for transfers upon request. Please contact dataprotection@astropay.com. AstroPay will only store your personal data as long as it is deemed necessary to fulfil the purposes for the processing of your personal data. 5.1 Website visitors Personal data collected via cookies through use of our website are stored for different periods depending on the type and purpose of the cookie in question. See section 7 below. Personal data collected in relation to the use of social media will be erased when the content is deleted or when you withdraw your response to our content (likes, sharing, etc.). See more in section 6 below. 5.2 Contact person at a business partner and other persons we interact with. If you are a contact person at a business partner or other persons we interact with, AstroPay will store personal data about you as long as AstroPay communicates with you because you are AstroPay’s point of contact, 3 years after termination of the contractual relationship, or until it is no longer necessary for the establishment, exercise, or defense of a legal claim. 5.3 Inquiries via online contact form and communication via live chat function. The inquiries and communication, e.g. from potential customers, will be deleted 1 year from the inquiry is resolved, unless it is deemed necessary to store such inquiries for documentation purposes e.g., due to a dispute, including for the establishment, exercise or defense of legal claims. 5.4 Bookkeeping material AstroPay will store your personal data to the extent it is necessary for bookkeeping purposes necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. Such personal data will be stored for a period of 5 years from the end of the financial year to which the accounting records relate. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you. Our website uses social media plug-ins (“Plug-ins”) from the social networking sites Facebook, Instagram, LinkedIn, YouTube, TikTok, and Twitter. When you visit our social media sites on Facebook, Instagram and LinkedIn or our Website where social media Plugins have been installed, our social media service providers collect and process your personal data using cookies, subject to your consent to the service provider, as applicable. Such collection and processing take place even if you have no account on the social media. If you access our website using such a Plug-in, your browser will contact the server of the underlying social networking site, load the visual presentation of the Plug-in, and present it to you. While this is happening, the social networking site receives information concerning your visit to our website, as well as further data such as your IP address. AstroPay receives anonymous demographic and geographic statistics from the social media on the visitors on our website and our social media sites. AstroPay is a joint data controller with our social media providers for personal data collected and processed in connection with your visit to our social media sites and our website. It means, among other things, that you may contact both AstroPay and the social media providers to exercise your rights under the UK GDPR. The social media providers have primary responsibility for ensuring compliance with the UK GDPR and responding to requests from visitors on their sites. If you are registered as a user of the special media providers, you may exercise your rights via your account settings on their sites. We have no influence on the amount of data that social networking sites collect via an active Plug-in. For more information, please consult the relevant data privacy notice: Facebook: www.facebook.com/policy ‍Instagram: https://help.instagram.com/519522125107875/?maybe_redirect_pol=0 LinkedIn: https://www.linkedin.com/legal/privacy-policy YouTube: https://www.youtube.com/intl/ALL_ie/howyoutubeworks/our-commitments/protecting-user-data/ ‍TikTok: https://www.tiktok.com/legal/privacy-policy-eea?lang=en ‍Twitter: https://twitter.com/en/privacy. When you visit www.AstroPay.com for the first time, you will be asked to give your explicit consent to the use of cookies on the Website or decline the use of all or some of the cookies. Please note that the use of functionality cookies does not require your consent, as such cookies are necessary for the function of the Website. We encourage you to accept the cookies used by the Website, because it will help us improve you and other people’s experience when visiting the Website. If you decline the use of cookies, there may be a variety of functionalities on the Website, which you cannot utilise. When you use our website, we do not register any information that can identify you directly, such as name and address. However, we register how you navigate around the site, so we can learn more about how our site is used, and we register your IP-address, which can identify indirectly. 7.1 What are cookies. A cookie is a text file that is sent to your browser from our website and saved on your computer, phone or whichever device you use to access the internet. However, the meaning of the word “cookies” in this Policy and in the cookie consent text also includes other kinds of automated data collection, e.g. Flash-cookies (Local Shared Objects), Web Storage (HTML5), JavaScript’s or cookies placed by the use of other kinds of software.  There are basically two types of cookies – so-called session cookies and persistent cookies. Session cookies are information units that are deleted when you close your web browser. Persistent cookies are information units that are stored on your computer until they are deleted. Persistent cookies delete themselves after a certain period but are renewed each time you visit the Website. AstroPay uses both session and persistent cookies. Read more about this below in section 7.6 where you will also find an overview of the specific cookies we use. 7.2 The purpose of cookies. Cookies may be used for a number of purposes, but in essence they are used to save information about your activity on the internet. Cookies contain information that later in time can be read by a web server on the domain that issued the cookie in question. This means that the relevant website remembers you the next time you visit it. We collect information via cookies in order to improve your user experience on our website and products, to provide and improve usability and functionality, to generate statistics, analysis and website performance reviews, to remember your preferences, marketing purposes, tracking of your location and to customize our advertising on social media platforms. The benefit for you is that you will save time next time you visit the Website, as you do not have to enter the same information again and that the content will be adjusted to your preferences. 7.3 How long are cookies stored? Cookies can be stored for varying lengths of time on your browser or device. Session cookies are deleted from your computer or device when you close your web-browser. Persistent cookies will remain stored on your computer or device until deleted or until they reach their expiry date. Find information on the specific retention periods of the various cookies in the cookie declaration below. 7.4 Types of cookies. There are 4 varieties of cookies which operate on our website: 7.4.1 The essentials. Some cookies are essential for you to be able to experience the full functionality of our website. Without these cookies, most parts of our website will not work as they should. 7.4.2 The customizers. These cookies (also called functional cookies) allow our website to remember your preferences, helping you to customise your experience. That way we can remember you when you return to our website, avoid showing you notifications you have already seen and dismissed, show you payment options and offers available in your country or specifically for you, provide you with Live Chat Support and other services of the sort. 7.4.3 The performance improvers. These cookies tell us about how you use the Website and they help us in making it better. For example, these cookies count the number of visitors to our website and see how website visitors move around when they are using it. This gives us invaluable information to understand user preferences and design to improve our website accordingly. These are the cookies that allow us to give you a better service every day. 7.4.4 The advertisers. These cookies (also called advertising cookies) are used to track the effectiveness of our ad campaigns on third party websites, which you may have seen or even got to know about AstroPay through them. These cookies are placed on our website by our third-party service providers, may remember your web browsing activity and may be used to understand your demographics, such as age and gender. 7.5 Third party cookies. In order to further develop and improve the Website, we use cookies from certain third parties. The purposes are preparation of statistics and analyses of online behavior. The third parties place the cookies on your computer on our behalf and prepare the statistics, etc. Third parties used are listed in the cookie declaration below. 7.6 Cookie declaration. Cookie declaration last updated on 16th September 2022 by WordPress.org: 7.7 Removal of cookies. You can always reject or deselect the location of cookies on your computer by changing the settings in your browser or by visiting the permanent representation of the cookie banner available on our website. Please note that if you opt out, there are many features and services on our website that you cannot use because they require the Website to remember the choices you make. Cookies that you have previously accepted can easily be deleted subsequently. If you use a computer with a newer browser, you can delete your cookies using the shortcut keys: CTRL + SHIFT + Delete. If the shortcut keys do not work and/or if you use a MAC, you must start by finding out which browser you are using, and then click on the relevant link with guidelines on how to opt out of cookies: Guidance – Firefox Guidance – Google Chrome Guidance – Edge Guidance – Safari Guidance – MS Edge. Note that if you use multiple internet browsers, you must delete cookies in all your browsers. AstroPay has implemented a number of measures to protect your personal data and ensure your rights. As a data subject, you can exercise the rights listed below. Please note that certain limitations may apply to your ability to exercise these rights, for example, when your right to obtain the information is found to be overwritten by essential considerations of private earnings. As a data subject you have the following specific rights, unless otherwise exceptionally provided by the data protection legislation: Right of access, Right of rectification, Right of erasure (“right to be forgotten”), Right to restriction of processing, Right to data portability, Right to object, Right to complain to the UK regulator for data protection issues.If you disagree with the way in which AstroPay processes your personal data, you may file a complaint with the Information Commissioner’s Office (“ICO”), the UK regulator for data protection issues, using the contact details that are available at www.ico.org.uk. However, we hope that you will contact us first, using the below contact details, so that we may reach agreement. Right to withdraw a former consent. If the processing of your personal data is based on your consent under Art. 6(1)(a) of the UK GDPR, you have the right to withdraw your consent at any time. Please note that your withdrawal does not affect the lawfulness of the previous processing of your personal data which until your withdrawal has been based on your consent. If you wish to exercise any of the above-mentioned rights, or if you wish to withdraw a former consent, you are welcome to contact us at dataprotection@astropay.com. To process your request, we need you to provide us with the following information: If you have any questions relating to this Policy, you wish to exercise your rights as mentioned above, or you disagree with the way AstroPay processes your personal data, you can contact AstroPay at dataprotection@astropay.com. You can also file a complaint to the ICO, which is an independent public authority that is responsible for monitoring and enforcing the application of the UK GDPR. The ICO’s contact information is available on its website: www.ico.org.uk. AstroPay has the right to modify this Policy regarding new technologies, regulatory requirements, or other purposes. For this reason, please visit this page periodically. Below is highlighted the date when the last version of this Policy has been uploaded.Date of the most recent version of this Policy: April 2024. --- ### Page: https://www.astropay.com/united-kingdom/privacy-and-cookies-policy-for-individuals Title: Privacy and Cookies Policy (for individuals) Language: en Canonical URL: https://www.astropay.com/united-kingdom/privacy-and-cookies-policy-for-individuals ## Headings Structure: H1: PRIVACY POLICY UK & REST OF THE WORLD H2: Get the
AstroPay App ## Main Content: H1: PRIVACY POLICY UK & REST OF THE WORLD H4: 1. INTRODUCTION H4: 2. CATEGORIES OF PERSONAL DATA, PURPOSE, AND LEGAL BASIS H4: 3. RECIPIENTS OF YOUR PERSONAL DATA H4: 4. TRANSFER OF YOUR PERSONAL DATA TO A THIRD COUNTRY (OUTSIDE OF EU/EEA) H4: 5. STORAGE OF YOUR PERSONAL DATA H4: 6. SOCIAL MEDIA H4: 7. USE OF COOKIES H4: 8. YOUR RIGHTS H4: 9. QUESTIONS OR COMPLAINTS H4: 10. AMENDMENTS ON THIS POLICY H2: Get the
AstroPay App At AstroPay we understand the importance of treating the personal data of our business partners, website visitors and other persons we may interact such as potential users with in a confidential and private manner. AstroPay is committed to following the requirements and obligations in relation to data privacy in accordance with applicable law, including (i) the UK Data Protection Act 2018; and (ii) the EU law version of the General Data Protection Regulation ((EU) 2016/679) as amended and adopted by UK law by virtue of section 3 of the European Union (Withdrawal) Act 2018 (the “UK GDPR”). Therefore, we have secure and adequate data processing procedures in place. AstroPay is short for and the brand name of the AstroPay Group under which the legal entities Larstal Limited, C/O Kirk Rice LLP Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, business registration number 11970628, (“Larstal Limited”) and AP Global Corporation LLP, 4 King’s Bench Walk, Temple, London, EC4Y 7DL, England, business registration number OC346322 (“AP Global”) belong. For the purpose of the brand and the general recognisability, Larstal Limited and AP Global is referred to as AstroPay in this privacy and cookie policy (“Policy”). The data controller for the processing of your personal data is AP Global.  Below, AstroPay has provided an overview of the processing activities in which personal data are processed, including among others the purpose thereof and the legal basis. If you have any question about this Policy or you wish to exercise your data subject rights pursuant to Chapter III of the UK GDPR and according to section 8 of this Policy, please contact AstroPay by sending an email to dataprotection@astropay.com. 2.1 Website visitors. When you visit AstroPay’s website: www.AstroPay.com (“Website”), AstroPay will process personal data about you, for instance, cookies, browser type and version, IP-address, and length of visit. The purpose of using cookies is, to improve your user experience on our website, to provide functionality, to generate statistics, to target the marketing of our products to your needs, and to remember your preferences. Find more information about your use of cookies in Section 7 below. The legal basis for the processing of your personal data is AstroPay’s legitimate earnings and it is AstroPay’s assessment that our legitimate earnings override your earnings or fundamental rights and freedoms do not override those earnings, under Art. 6(1)(f) of the UK GDPR. The legitimate earnings pursued are to provide you with a website that works optimally, a good website experience and marketing activities. In certain cases, the legal basis for the processing of your personal data in this regard is your consent, which you will be asked to give when you visit the Website, under Art. 6(1)(a) of the UK GDPR. 2.2 Contact persons at a business partner and other persons AstroPay interacts with. As a contact person at a business partner and as other persons we interact with, e.g. resellers, affiliates or potential Users, AstroPay processes your personal data when you communicate with AstroPay, e.g., via emails in connection with AstroPay’s existing contractual relation with the company you are employed with or in connection with the conclusion or termination of a contract. AstroPay processes ordinary personal data about you, including your name, email address, telephone number, position, etc. The legal basis for such processing of your personal data is that the processing is necessary for the purposes of legitimate earnings pursued by AstroPay and it is AstroPay’s assessment that our legitimate earnings override your earnings or fundamental rights and freedoms, cf. Art. 6(1)(f) of the UK GDPR. AstroPay’s legitimate earnings are fulfilment of our contractual obligations, maintaining and enhancing business relationships, invoicing for the services your company provides to AstroPay and/or vice versa, communicating with you if you have any questions related to our services or vice versa, and for documentation purposes in the event you agree on matters relating to our services in writing via email. In some cases, processing of personal data is necessary in order to comply with a legal obligation to which AstroPay is subject. In such cases, the legal basis for the processing is Art. 6(1)(c) of the UK GDPR. 2.3 Online contact form inquiries and live chat support function. When you use our online contact form or our live chat support function, we process the information you provide in order to deal with your inquiries, such as name, email address, phone number and the content of your inquiry. AstroPay will not process special categories of personal data (sensitive personal data) about you, e.g. health information, unless you have provided us with such information in your inquiry. AstroPay kindly encourages you not to submit such sensitive personal data. The legal basis for the processing of personal data is AstroPay’s legitimate earnings and it is our assessment that our legitimate earnings override your earnings and fundamental rights and freedoms, under Art. 6(1)(f) of the UK GDPR. The legitimate earnings pursued are to provide support to our business partners by answering the inquiries and business development. 2.4 Social media. We use certain social media to get in touch with our customers and potential customers, as well as promote our marketing initiatives. If you have been to these sites and “liked” or “followed” our fan page or have been in contact with us through these sites, we will process your personal data. We only process information about your name and email. If you contact us via social medias, we process your information based on our interest in being able to contact you and respond to your inquiries (GDPR art. 6(1)(f)). The information will come from you and the social media through which you contact us. We have a so-called joint controllership with the social medias that we use as we both use your data for our own purposes. You can read more about the social media´s processing of your personal data in the following: Information processed in connection with social media that involves direct communication via the social media is deleted immediately. Posting on, for example, Facebook pages or in public groups are not deleted as a post or comment on Facebook pages or in public groups is considered public spaces. You can read about public spaces here. Where relevant, AstroPay may disclose or transfer your personal data to affiliates of AstroPay, business partners or other collaborators for business purposes. Such third parties also include social media providers, as described in section 6 below. In certain specific cases, e.g., in connection with disputes, including when the disclosure of your personal data is necessary for the establishment, exercise or defense of AstroPay’s legal claims, AstroPay may disclose your personal data to our advisers or other relevant third parties provided it is deemed necessary and lawful. Certain recipients process personal data on behalf of AstroPay and may only process your personal data in accordance with documented instructions given by AstroPay and further terms and conditions stated in a data processing agreement entered into with AstroPay. These data processors are not permitted to process your personal data for their own purposes. In certain cases, your personal data may be transferred to countries outside of the EU/EEA. AstroPay ensures that such transfer will be carried out in accordance with the applicable data protection laws. This entails that any party outside of the EU/EEA that will receive your personal data will ensure an adequate level of protection, for example, by entering into the EU standard contractual clauses (“SCCs”) and the UK international data transfer addendum (“IDTA”) with AstroPay. AstroPay will ensure the implementation of supplementary safeguards if deemed necessary in the specific case. You may receive a copy of the legal basis for transfers upon request. Please contact dataprotection@astropay.com. AstroPay will only store your personal data as long as it is deemed necessary to fulfil the purposes for the processing of your personal data. 5.1 Website visitors Personal data collected via cookies through use of our website are stored for different periods depending on the type and purpose of the cookie in question. See section 7 below. Personal data collected in relation to the use of social media will be erased when the content is deleted or when you withdraw your response to our content (likes, sharing, etc.). See more in section 6 below. 5.2 Contact person at a business partner and other persons we interact with. If you are a contact person at a business partner or other persons we interact with, AstroPay will store personal data about you as long as AstroPay communicates with you because you are AstroPay’s point of contact, 3 years after termination of the contractual relationship, or until it is no longer necessary for the establishment, exercise, or defense of a legal claim. 5.3 Inquiries via online contact form and communication via live chat function. The inquiries and communication, e.g. from potential customers, will be deleted 1 year from the inquiry is resolved, unless it is deemed necessary to store such inquiries for documentation purposes e.g., due to a dispute, including for the establishment, exercise or defense of legal claims. 5.4 Bookkeeping material AstroPay will store your personal data to the extent it is necessary for bookkeeping purposes necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. Such personal data will be stored for a period of 5 years from the end of the financial year to which the accounting records relate. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you. Our website uses social media plug-ins (“Plug-ins”) from the social networking sites Facebook, Instagram, LinkedIn, YouTube, TikTok, and Twitter. When you visit our social media sites on Facebook, Instagram and LinkedIn or our Website where social media Plugins have been installed, our social media service providers collect and process your personal data using cookies, subject to your consent to the service provider, as applicable. Such collection and processing take place even if you have no account on the social media. If you access our website using such a Plug-in, your browser will contact the server of the underlying social networking site, load the visual presentation of the Plug-in, and present it to you. While this is happening, the social networking site receives information concerning your visit to our website, as well as further data such as your IP address. AstroPay receives anonymous demographic and geographic statistics from the social media on the visitors on our website and our social media sites. AstroPay is a joint data controller with our social media providers for personal data collected and processed in connection with your visit to our social media sites and our website. It means, among other things, that you may contact both AstroPay and the social media providers to exercise your rights under the UK GDPR. The social media providers have primary responsibility for ensuring compliance with the UK GDPR and responding to requests from visitors on their sites. If you are registered as a user of the special media providers, you may exercise your rights via your account settings on their sites. We have no influence on the amount of data that social networking sites collect via an active Plug-in. For more information, please consult the relevant data privacy notice: Facebook: www.facebook.com/policy ‍Instagram: https://help.instagram.com/519522125107875/?maybe_redirect_pol=0 LinkedIn: https://www.linkedin.com/legal/privacy-policy YouTube: https://www.youtube.com/intl/ALL_ie/howyoutubeworks/our-commitments/protecting-user-data/ ‍TikTok: https://www.tiktok.com/legal/privacy-policy-eea?lang=en ‍Twitter: https://twitter.com/en/privacy. When you visit www.AstroPay.com for the first time, you will be asked to give your explicit consent to the use of cookies on the Website or decline the use of all or some of the cookies. Please note that the use of functionality cookies does not require your consent, as such cookies are necessary for the function of the Website. We encourage you to accept the cookies used by the Website, because it will help us improve you and other people’s experience when visiting the Website. If you decline the use of cookies, there may be a variety of functionalities on the Website, which you cannot utilise. When you use our website, we do not register any information that can identify you directly, such as name and address. However, we register how you navigate around the site, so we can learn more about how our site is used, and we register your IP-address, which can identify indirectly. 7.1 What are cookies. A cookie is a text file that is sent to your browser from our website and saved on your computer, phone or whichever device you use to access the internet. However, the meaning of the word “cookies” in this Policy and in the cookie consent text also includes other kinds of automated data collection, e.g. Flash-cookies (Local Shared Objects), Web Storage (HTML5), JavaScript’s or cookies placed by the use of other kinds of software.  There are basically two types of cookies – so-called session cookies and persistent cookies. Session cookies are information units that are deleted when you close your web browser. Persistent cookies are information units that are stored on your computer until they are deleted. Persistent cookies delete themselves after a certain period but are renewed each time you visit the Website. AstroPay uses both session and persistent cookies. Read more about this below in section 7.6 where you will also find an overview of the specific cookies we use. 7.2 The purpose of cookies. Cookies may be used for a number of purposes, but in essence they are used to save information about your activity on the internet. Cookies contain information that later in time can be read by a web server on the domain that issued the cookie in question. This means that the relevant website remembers you the next time you visit it. We collect information via cookies in order to improve your user experience on our website and products, to provide and improve usability and functionality, to generate statistics, analysis and website performance reviews, to remember your preferences, marketing purposes, tracking of your location and to customize our advertising on social media platforms. The benefit for you is that you will save time next time you visit the Website, as you do not have to enter the same information again and that the content will be adjusted to your preferences. 7.3 How long are cookies stored? Cookies can be stored for varying lengths of time on your browser or device. Session cookies are deleted from your computer or device when you close your web-browser. Persistent cookies will remain stored on your computer or device until deleted or until they reach their expiry date. Find information on the specific retention periods of the various cookies in the cookie declaration below. 7.4 Types of cookies. There are 4 varieties of cookies which operate on our website: 7.4.1 The essentials. Some cookies are essential for you to be able to experience the full functionality of our website. Without these cookies, most parts of our website will not work as they should. 7.4.2 The customizers. These cookies (also called functional cookies) allow our website to remember your preferences, helping you to customise your experience. That way we can remember you when you return to our website, avoid showing you notifications you have already seen and dismissed, show you payment options and offers available in your country or specifically for you, provide you with Live Chat Support and other services of the sort. 7.4.3 The performance improvers. These cookies tell us about how you use the Website and they help us in making it better. For example, these cookies count the number of visitors to our website and see how website visitors move around when they are using it. This gives us invaluable information to understand user preferences and design to improve our website accordingly. These are the cookies that allow us to give you a better service every day. 7.4.4 The advertisers. These cookies (also called advertising cookies) are used to track the effectiveness of our ad campaigns on third party websites, which you may have seen or even got to know about AstroPay through them. These cookies are placed on our website by our third-party service providers, may remember your web browsing activity and may be used to understand your demographics, such as age and gender. 7.5 Third party cookies. In order to further develop and improve the Website, we use cookies from certain third parties. The purposes are preparation of statistics and analyses of online behavior. The third parties place the cookies on your computer on our behalf and prepare the statistics, etc. Third parties used are listed in the cookie declaration below. 7.6 Cookie declaration. Cookie declaration last updated on 16th September 2022 by WordPress.org: 7.7 Removal of cookies. You can always reject or deselect the location of cookies on your computer by changing the settings in your browser or by visiting the permanent representation of the cookie banner available on our website. Please note that if you opt out, there are many features and services on our website that you cannot use because they require the Website to remember the choices you make. Cookies that you have previously accepted can easily be deleted subsequently. If you use a computer with a newer browser, you can delete your cookies using the shortcut keys: CTRL + SHIFT + Delete. If the shortcut keys do not work and/or if you use a MAC, you must start by finding out which browser you are using, and then click on the relevant link with guidelines on how to opt out of cookies: Guidance – Firefox Guidance – Google Chrome Guidance – Edge Guidance – Safari Guidance – MS Edge. Note that if you use multiple internet browsers, you must delete cookies in all your browsers. AstroPay has implemented a number of measures to protect your personal data and ensure your rights. As a data subject, you can exercise the rights listed below. Please note that certain limitations may apply to your ability to exercise these rights, for example, when your right to obtain the information is found to be overwritten by essential considerations of private earnings. As a data subject you have the following specific rights, unless otherwise exceptionally provided by the data protection legislation: Right of access, Right of rectification, Right of erasure (“right to be forgotten”), Right to restriction of processing, Right to data portability, Right to object, Right to complain to the UK regulator for data protection issues.If you disagree with the way in which AstroPay processes your personal data, you may file a complaint with the Information Commissioner’s Office (“ICO”), the UK regulator for data protection issues, using the contact details that are available at www.ico.org.uk. However, we hope that you will contact us first, using the below contact details, so that we may reach agreement. Right to withdraw a former consent. If the processing of your personal data is based on your consent under Art. 6(1)(a) of the UK GDPR, you have the right to withdraw your consent at any time. Please note that your withdrawal does not affect the lawfulness of the previous processing of your personal data which until your withdrawal has been based on your consent. If you wish to exercise any of the above-mentioned rights, or if you wish to withdraw a former consent, you are welcome to contact us at dataprotection@astropay.com. To process your request, we need you to provide us with the following information: If you have any questions relating to this Policy, you wish to exercise your rights as mentioned above, or you disagree with the way AstroPay processes your personal data, you can contact AstroPay at dataprotection@astropay.com. You can also file a complaint to the ICO, which is an independent public authority that is responsible for monitoring and enforcing the application of the UK GDPR. The ICO’s contact information is available on its website: www.ico.org.uk. AstroPay has the right to modify this Policy regarding new technologies, regulatory requirements, or other purposes. For this reason, please visit this page periodically. Below is highlighted the date when the last version of this Policy has been uploaded.Date of the most recent version of this Policy: April 2024. --- ### Page: https://www.astropay.com/es/brazil/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: es-AR Canonical URL: https://www.astropay.com/es/brazil/t-c-agreement-for-individuals ## Headings Structure: H1: TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO H2: Descarga la app de AstroPay ## Main Content: H1: TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO H2: Descarga la app de AstroPay Por este instrumento, a ASTRO INSTITUICAO DE PAGAMENTO LTDA., Sociedade empresária limitada, inscrita regularmente sob o CNPJ nº 34.006.497/0001-77, com sede na Avenida Brigadeiro Faria Lima, nº 4055, 4º andar, sala nº 106, Bairro Itaim Bibi, na Cidade de São Paulo/SP, sob o CEP nº 04538-133, neste ato representado por seus representantes legais nos termos dos seus atos constitutivos (“AstroPay Brasil”), e a pessoa física ou jurídica qualificada no Cadastro ("Usuário"); em conjunto, denominadas "Partes"; firmam entre si o presente TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO ("Termo"), nas seguintes cláusulas e condições: O Usuário, ao realizar, através da plataforma fornecida pela AstroPay Brasil: (i) acesso à conta de pagamento e primeira transação de pagamento e (ii) a marcação da caixa de diálogo “Li e aceito”; estará automaticamente aderindo e concordando com as cláusulas e condições deste Termo, inclusive eventuais modificações posteriores. Após a ocorrência da primeira transação de pagamento através da conta de pagamento de titularidade do Usuário, conforme aberta perante a AstroPay Brasil, ainda que não se localize o registro de log do aceite através da marcação da caixa de diálogo mencionada no item (ii) acima, serão consideradas válidas todas as condições estabelecidas neste Termo. As cláusulas e condições deste Termo poderão ser alteradas, a livre critério e a qualquer tempo, pela AstroPay Brasil, mediante comunicação ao Usuário, por escrito, se aplicável, encaminhada ao seu endereço eletrônico conforme informado no Cadastro. A permanência, pelo Usuário, na utilização dos serviços previstos neste Termo, importará em aceitação tácita, nos termos do art. 111 do Código Civil, com as alterações promovidas no Termo. Caso o Usuário não concorde com qualquer modificação promovida no Termo, poderá promover o encerramento da conta de pagamento, imediatamente, mediante solicitação através dos Canais de Atendimento, sem incidência de qualquer ônus e penalidades para as Partes. Para a sua comodidade, a data incluída no rodapé desta página é a data da última revisão deste Termo. Em caso de dúvidas, contate a AstroPay Brasil por meio dos seguintes Canais de Atendimento: support@astropay.com 1.1. Todos os termos iniciados em maiúscula neste Termo terão os seguintes significados: “Aplicativo” significa o aplicativo digital disponibilizado pela AstroPay Brasil ao Usuário, inclusive para acesso à Conta de Pagamentos, consulta e/ou solicitação de Serviços. “AstroPay Global” são as sociedades devidamente constituídas e existentes de acordo com as leis da  Inglaterra e no País de Gales, com o número de empresa OC346322, com sede na 4 King’s Bench Walk, Temple, EC4Y 7DL, Londres, EC4Y 7DL, Reino Unido, da Ilha de Man, com número de empresa 135497C e 135889C, com sede na 18-20 North Quay, Douglas, ofertante de serviços de conta de pagamento no exterior. “Bandeira” significa a empresa instituidora do arranjo de pagamento responsável por estabelecer um conjunto de regras e procedimentos que regem as relações entre credenciadores, emissores e Usuários do Cartão, o que permite que seu Cartão seja aceito como instrumento de pagamento. “BCB” significa Banco Central do Brasil. “Bloqueio Cautelar” significa mecanismo de prevenção à fraude implementado pelo BCB através do Regulamento do Pix, que permite o bloqueio preventivo dos recursos oriundo de Transação em que a instituição participante do Pix atrelada ao recebedor da Transação pode realizar para verificar a existência de fundada suspeita de fraude. “Cadastro” significa o procedimento de preenchimento de determinadas informações, as quais são obrigatoriamente requeridas ao Usuário na Plataforma, para fins de sua devida identificação. “Canais de Atendimento” canal de comunicação entre o Usuário e a AstroPay Brasil, qual seja: support@astropay.com "Cartão" instrumento de pagamento, pré-pago ou pós-pago, utilizado para realização de compras de bens ou serviços, aceitos pela AstroPay Brasil. "Chave Pix" significa informação relacionada ao Usuário que permite o recebimento de Transação Pix. "COAF" significa Conselho de Controle de Atividade Financeira. "Conta de Pagamento" significa a conta de pagamento de titularidade do Usuário, aberta e mantida perante a AstroPay Brasil, que permite a realização de Transações com base em recursos previamente aportados. "Dias Úteis" significa os dias que não se encontram na lista de “feriados federais e bancários”, de acordo com o calendário disponibilizado pela Federação Brasileira de Bancos (Febraban). "Dispositivos" significa smartphones, tablets, entre outros equipamentos que possibilitam a instalação e utilização de aplicativos. "Disputas" significa o processo de contestação de Transações efetuadas mediante Cartão perante a Bandeira, conforme determinado pela Bandeira através de seu regulamento próprio. “Estabelecimento": significa toda a Pessoa Jurídica, devidamente constituída de acordo com a legislação vigente do Brasil, a qual está credenciada para aceitar o recebimento de valores através de Transações realizadas pelo Usuário. "Funcionalidades" significa todos os serviços disponibilizados na Conta de Pagamento que permitam ao Usuário efetuar diferentes tipos de Transações. "MED" significa Mecanismo Especial de Devolução, mecanismo implementado pelo BCB através do Regulamento do Pix que permite a tentativa de devolução de recursos que tenham sido objeto de Transação com fundada suspeita de fraude ou de falha nos sistemas das instituições de pagamento ou financeiras participantes do Pix. “Merchant” significa toda Pessoa Jurídica devidamente constituída de acordo com a legislação vigente do Brasil, a qual está autorizada a vender produtos e serviços e para a qual a AstroPay Brasil presta serviços de intermediação de pagamento. "Plataforma" significa todas as páginas eletrônicas disponibilizadas pela AstroPay Brasil ao Usuário, inclusive Aplicativo, para acesso à Conta de Pagamentos e para acesso, consulta e/ou solicitação de outros serviços ofertados pela AstroPay Brasil. "Senha" significa o código composto de números para assinatura eletrônica, pessoal, intransferível e confidencial, cuja utilização e divulgação são de única e exclusiva responsabilidade do Usuário. "Serviços" significa os serviços prestados pela AstroPay Brasil ao Usuário, voltados ao fornecimento da Conta de Pagamento. "Transação" significa toda e qualquer transação de pagamento, de envio ou recebimento de recursos, que possa ser efetuada através da Conta de Pagamento. 2.1. A adesão do Usuário a este Termo dar-se-á mediante aceite de forma eletrônica, bem como dos Termos de Uso do e Política de Privacidade da Plataforma. 2.2. A utilização da Conta de Pagamento pelo Usuário, através da realização de qualquer Transação, pressupõe e confirma a ciência e aceitação deste em relação às condições do Termo, as quais regulamentarão a relação entre o Usuário e a AstroPay Brasil. 2.2.1. Ao aceitar o presente Termo, o Usuário declara ter lido e concordado com as condições da Política de Privacidade da Plataforma e do Aplicativo em sua integralidade, assim como, ser pessoa física ou representante de pessoa jurídica, plenamente capaz e maior de 18 (dezoito) anos ou emancipado, com poderes para celebrar contratos e realizar operações financeiras, ou ainda, menor de 18 (dezoito) anos, devidamente representado pelo seu representante legal. 2.3. Após realizado o Cadastro no Aplicativo e/ou na Plataforma, o qual deverá ser aprovado pela AstroPay Brasil, o Usuário poderá requerer a abertura de Conta de Pagamento, o que será feito diretamente por meio da Plataforma, Aplicativo e/ou dos demais Canais de Atendimento. 2.4. Caso entenda necessário e/ou pertinente para fins de aprovação ou revisão do Cadastro do Usuário, a AstroPay Brasil poderá, a seu exclusivo critério, solicitar dados pessoais e/ou documentos adicionais do Usuário a qualquer momento. A recusa em enviar o material solicitado garantirá a AstroPay Brasil o direito de indeferir, suspender ou cancelar o Cadastro do Usuário, assim como, a encerrar a Conta de Pagamento do Usuário caso esta já esteja aberta, a seu exclusivo critério, não cabendo ao Usuário, por essa razão, qualquer tipo de indenização ou ressarcimento. 2.4.1. O Usuário declara que todas as informações e dados por ele fornecidos são verdadeiros, válidos e atualizados, o que independe de eventual controle e verificação que poderá ser realizado pela AstroPay Brasil, em aderência com as regras pertinentes, sobretudo a Circular nº 3.978/2020. 2.4.2. A AstroPay Brasil se reserva o direito de revisar, monitorar ou fiscalizar qualquer das informações, conteúdo ou dados fornecidos pelos Usuários, conforme o disposto abaixo. 2.4.3. A atualização dos dados fornecidos no Cadastro é necessária para que a AstroPay Brasil possa operacionalizar os Serviços prestados ao Usuário, bem como ofertar novos Serviços. Em razão disto, o Usuário deve manter todos os dados e informações fornecidos devidamente atualizados, sendo que quaisquer prejuízos havidos em decorrência da inclusão de informação inverídica e/ou desatualizada, será de única e exclusiva responsabilidade do Usuário. Caso ocorra quaisquer alterações em relação a estes dados, o Usuário deverá, em até 05 (cinco) dias úteis, notificar a AstroPay Brasil para que proceda à alteração do Cadastro do Usuário. 2.5. Caso o Usuário tenha idade superior ou igual a 18 (dezoito anos) e/ou seja emancipado, a AstroPay Brasil apenas aprovará a abertura da Conta de Pagamento se (i) possuir residência em território brasileiro, (ii) mantiver um cadastro ativo e válido junto à Receita Federal do Brasil e (iii) detiver um endereço de e-mail ativo e válido para contato. Informações poderão ser solicitadas ao Usuário, caso solicitado por legislação vigente. 2.5.1. Assim, poderemos, mediante exclusivo critério das AstroPay Brasil, solicitar o seu (i) nome, (ii) endereço e cópia do comprovante de residência, (iii) data de nascimento, (iv) número e cópia de seu documento de identidade, carteira de motorista ou passaporte, (v) número de CPF, (vi) número de telefone, (vii) e-mail; e (viii) outras informações que nos permitem identificá-lo. 2.6. Caso o Usuário seja menor de 18 (dezoito) anos e não seja emancipado, este deverá estar representado pelo seu Representante Legal, o qual deverá fornecer todas as informações cadastrais tanto em relação a si quanto em relação ao Usuário. 2.7. Caso a AstroPay Brasil constate a existência de informações e/ou dados pessoais incorretos, inverídicos e/ou desatualizados e não seja possível regularizar tais informações, ou ainda, caso o Usuário se negue a fornecer eventuais informações e/ou dados pessoais adicionais se e quando solicitados pela AstroPay Brasil, este poderá optar por encerrar a Conta de Pagamento do Usuário, sem prejuízo da aplicação de outras medidas que entender aplicáveis. 2.8. O Usuário autoriza a AstroPay Brasil, a qualquer tempo, de forma expressa e inequívoca, e para fins da Lei n. 12.965, de 23 de abril de 2014, da Lei n. 13.709, de 14 de agosto de 2018, da Lei Complementar n. 105, de 10 de janeiro de 2001 e das demais leis e regulamentações aplicáveis, coletar, e tratar seus dados pessoais, incluindo, sem limitação, suas informações cadastrais, bem como informações relativas a demais operações e serviços contratados com a AstroPay Brasil e/ou outras sociedades do grupo econômico, tais como informações relativas a quaisquer valores cobrados, ou, ainda, recebidos, podendo, a AstroPay Brasil compartilhar referidas informações com as demais empresas do mesmo grupo econômico, com a finalidade exclusiva de garantir a correta execução dos serviços previstos neste Termo, conforme disposto na Política de Privacidade. 2.9. O Usuário assumirá toda a responsabilidade civil e criminal perante a AstroPay Brasil pelo descumprimento das obrigações previstas neste Contrato, pela inexatidão das suas declarações e por qualquer conduta ilícita praticada, devendo indenizar a AstroPay Brasil, imediatamente, quaisquer prejuízos, despesas, incluindo honorários de advogado e custas judiciais, incorridas pela AstroPay Brasil em decorrência do ato praticado pelo Usuário. 3. DA CONTA DE PAGAMENTO 3.1. Estes Termos regulam a prestação de serviços, pela AstroPay Brasil ao Usuário, para: (i) abertura de Conta de Pagamento de titularidade do Usuário, habilitando-o a realizar Transações, e (ii) gestão e custódia de recursos mantidos na Conta de Pagamento, que podem envolver ou não a emissão de moeda eletrônica. 3.1.1. A prestação de serviços previstos pela AstroPay Brasil é efetuada através da abertura e gestão de Contas de Pagamento, de titularidade do Usuário, perante a AstroPay Brasil. 3.1.2. O Usuário poderá contratar outros serviços prestados pela AstroPay Brasil, por meio de instrumentos contratuais específicos. 3.2. Perante a Conta de Pagamento, serão disponibilizadas ao Usuário as seguintes Funcionalidades: (i) aporte, resgate e transferência de recursos, (ii) consulta ao saldo da Conta de Pagamento e extrato das Transações, (iii) serviços adicionais. 3.2.1. As Funcionalidades e/ou Serviços poderão ser realizadas através das seguintes Transações: (i) Emissão de Cartão Pré-pago; (iii) Recebimento de Pix; (iv) Agendamento de envio de Pix; (v) Geração de QR Code para recebimento de Pix; (vi) Envio de Pix através de leitura de QR Code; (vii) Emissão de cobrança única, mediante QR Code Pix; (viii) Emissão de cobrança recorrente, mediante QR Code Pix; (ix) Transferência unilateral de recursos para conta no exterior; (x) Recebimento de recursos de conta no exterior; (x) Visualização de extrato da Conta de Pagamento através da Plataforma; (xi) One Touch, funcionalidade que permite ao Usuário fazer pagamentos para determinados Merchants, diretamente da plataforma deste, via transferência; (xii) Pagamento de Boletos e Faturas; (xiii) Conta Remunerada. 3.2.1.1. Será disponibilizado ao Usuário a realização das Transações prevista no subitem (iii) para fins de aporte de recursos na Conta de Pagamento, assim como, o aporte de recursos na Conta de Pagamento, através de transferência bancária, pix e emissão de boleto. 3.2.1.2. Todos os Cartões emitidos de titularidade do Usuário estarão vinculados a única Conta de Pagamento que este detém perante a AstroPay Brasil. 3.2.1.2.2. Cada Cartão terá um número de identificação, data de validade e código de segurança particular, que poderão ser randomicamente alterados de tempos em tempos, conforme as regras de segurança da AstroPay Brasil, a depender do nível de exposição do Usuário. Toda a informação de cartão de crédito/débito é protegida de acordo com as normas PCI_DSS, onde todos os dados do titular do cartão e/ou dados sensíveis de autenticação são processados por um provedor de serviços certificado PCI DSS Nível 1. Não armazenamos, transmitimos nem processamos dados do titular do cartão e/ou dados sensíveis de autenticação, restringindo as interações apenas a informações tokenizadas. 3.2.1.2.3. O Cartão será emitido em formato pré-pago, dependendo de aporte prévio de recursos para que seja possível efetuar Transações, que poderão ser realizadas nas trilhas de débito. 3.2.1.2.4. O aporte dos recursos no Cartão se dará mediante depósito de recursos efetuados na Conta de Pagamento que o Usuário detenha na AstroPay. 3.2.1.2.5. Quando da solicitação do Cartão, o Usuário realizará o cadastramento de Senha pessoal, intransferível e confidencial através do Aplicativo, que apenas poderá ser utilizada após o desbloqueio do Cartão físico ou emissão do Cartão virtual. 3.2.1.2.6. O Usuário será o único e exclusivo responsável pela guarda e segurança do Cartão e de sua Senha, além de ser o único responsável por toda e qualquer atividade que ocorra sob o uso deste, inclusive para efeitos legais. 3.2.1.2.7. O Cartão poderá ser utilizado para compras presenciais ou virtuais, em que o pagamento e a devida confirmação de pagamento são formalizados, em compra presenciais, mediante a aproximação do Cartão físico às máquinas de pagamento fornecidas por instituição de pagamento credenciadoras ou subcredenciadores, via utilização de tecnologia contactless, ou inserção da Senha, quando assim solicitado, enquanto em compras virtuais ocorrerá mediante a informação dos dados do Cartão, físico ou virtual, no gateway de pagamento fornecido pelo Merchant a que o Usuário esteja realizando a Transação. Cada um desses atos caracteriza e deve ser interpretado como concordância do Usuário com relação a cada transação. 3.2.1.2.8. O Cartão possuirá as seguintes funcionalidades, que poderão ser efetuadas de forma presencial ou virtual: (i) Compras de bens e/ou serviços em quaisquer estabelecimentos comerciais que aceitem a referida Funcionalidade observando as condições de pagamento (à vista ou parcelado) oferecidas; e, (ii) Transações no Brasil e no exterior. 3.2.1.2.9. A AstroPay Brasil envidará os melhores esforços para entregar o Cartão no prazo máximo de 10 (dez) dias úteis , contados da data de aprovação da sua emissão, no endereço informado pelo Usuário no seu Cadastro. Na hipótese de a AstroPay Brasil não conseguir concluir a entrega em razão de erro ou inexatidão dos dados informados pelo Usuário no Cadastro, o Usuário terá 5 (cinco) dias úteis contados da comunicação da AstroPay Brasil para entrar em contato com a AstroPay Brasil, a fim de confirmar o endereço ou indicar outro endereço para entrega, sob pena de autorizar a AstroPay Brasil a destruir o Cartão emitido. Referidos prazos mencionados neste item poderão ser estendidos se verificados casos fortuitos ou de força maior (e.g. greves, pandemias, dentre outros), mediante comunicação a ser promovida pela AstroPay Brasil através dos seus canais de comunicação. 3.2.1.2.10. O Usuário deverá rejeitar o recebimento do Cartão se a embalagem que o contiver apresentar qualquer sinal de violação, devendo o ocorrido ser comunicado imediatamente ao AstroPay Brasil por meio dos Canais de Atendimento. 3.2.1.2.11. A AstroPay Brasil sempre enviará para o Usuário o Cartão físico devidamente bloqueado, de forma que ao receber o Cartão, o Usuário deverá conferir se os dados nele contidos estão corretos para então efetuar a ativação do Cartão através dos Canais de Atendimento da AstroPay Brasil, para que só então possa utilizar as funcionalidades do Cartão. 3.2.1.2.12. A partir da aprovação da emissão do Cartão virtual, este será liberado imediatamente pela AstroPay Brasil ao Usuário, através do Aplicativo. 3.2.1.2.13. O Usuário declara aceitar que em transações efetuadas no exterior a taxa de câmbio aplicada pela AstroPay Brasil, no momento da realização de uma Transação no exterior, poderá ser divergente da PTAX estabelecida pelo BCB durante uma janela de consulta, conforme aplicável. 3.2.1.2. As Transações realizadas via Pix, conforme os subitens (ii) a (vii) do item 3.2.1 acima, assim como, demais Transações realizadas via Pix, a partir da ordem do Usuário, ocorrerão de forma instantânea, de acordo com as regras e normas impostas pelo Regulamento do Pix, conforme a Resolução BCB n. 1, de 12 de agosto de 2020, estando disponível para ser realizada a qualquer hora do dia e qualquer dia da semana. 3.2.1.2.1. Para recebimento de Transações Pix, o Usuário poderá cadastrar Chave Pix, até o limite de 05 (cinco) Chaves Pix para Conta de Pagamento de Usuário pessoa física, que serão identificadas por meio de: (i) número do CPF; (ii) número do celular; (iii) endereço de e-mail; ou (iv) chave aleatória (sequência de letras e números gerados aleatoriamente pelo BCB). 3.2.1.2.2. As Chaves Pix do Usuário poderão, mediante comunicação prévia com 07 (sete) Dias Úteis de antecedência, ser portadas para conta bancária ou de pagamento que o Usuário detenha perante outra instituição de pagamento ou financeira. 3.2.1.2.3. O Usuário poderá reivindicar a posse de uma Chave Pix vinculada à conta bancária ou de pagamentos de titularidade de terceiro relativa aos itens (ii) e (iii) previstos no item 3.2.1.2.1 deste Termo, mediante a apresentação de requerimento devidamente justificado e acompanhado da documentação que comprove a legitimidade da reivindicação à AstroPay Brasil, que encaminhará ao BCB para análise. 3.2.1.3. As transações realizadas nos termos dos subitens (ix) e (x) do item 3.2.1 acima, permitem a transmissão dos recursos do Brasil para conta localizada no exterior, ou, ainda o recebimento de recursos oriundos do exterior para conta no Brasil, em moedas diferentes do Real. 3.2.1.3.1. A remessa de recursos em moeda estrangeira resultará em uma operação de câmbio, a qual, através do aceite ao presente instrumento, já será expressamente autorizada por você, nos termos da legislação vigente, sobretudo Resolução BCB nº 277 de 31/12/2022 do Banco Central do Brasil. Tal operação incorrerá em impostos específicos, como o IOF, que serão arcados pelo Usuário. 3.2.1.3.2. A remessa de recursos é realizada pela AstroPay Brasil, na qualidade de eFX e/ou por meio de parceiro comercial com licença adequada para tanto, assim, o Usuário, ao abrir uma conta na AstroPay Brasil para realizar a remessa dos recursos, estará abrindo uma conta na AstroPay Global, estando sujeito ao aceite dos Termos e Condições previstos neste link: https://astropay.com/terms-conditions/. A AstroPay Brasil poderá usar instituições financeiras nacionais e internacionais para ser a contraparte na operação de câmbio, bem como realizar determinada transição especificada pelo Usuário. Nesses casos, Astropay Brasil não se responsabiliza por atos ou falhas das instituições financeiras estrangeiras recebedoras dos valores das transações, de modo que a Astropay Brasil, em nenhuma hipótese, será responsável por eventuais atrasos, retenções e/ou cancelamentos de transferências decorrentes de atos da instituição financeira estrangeira. 3.2.1.3.3. O uso de recursos da sua conta de pagamento para a realização de transferências internacionais está limitado a US$10.000,00 (dez mil dólares dos Estados Unidos) ou o seu equivalente em outras moedas, por transação. 3.2.1.3.4. Os recursos aportados na conta de pagamento serão transferidos para a conta de mesma titularidade no exterior de forma automática, a fim de possibilitar a aquisição de serviços internacionais a estabelecimentos, Merchants vinculados ou outros Serviços que tempos em tempos podem ser oferecidos pela AstroPay Brasil, sendo que, quando necessário transacionar referidos valores no Brasil, os recursos serão repatriados de volta. 3.2.1.4. O Usuário poderá realizar Transações em Merchants credenciados pela AstroPay Brasil mediante One Touch, que importará na realização de pagamento pelo Usuário ao Merchant mediante transferência bancária, diretamente do website do Merchant. 3.2.1.4.1. Essa funcionalidade apenas poderá ser utilizada pelo Usuário caso assim esteja disponível no website de Merchants credenciados pela AstroPay Brasil. 3.2.1.5. Com vistas a garantir os cumprimentos regulatórios pela AstroPay Brasil, o saldo da Conta de titularidade do Usuário será garantido mediante aplicação em títulos públicos federais, visando a segregação de seus valores do patrimônio da AstroPay Brasil. 3.2.1.5.1. À luz da Cláusula acima, a AstroPay Brasil poderá oferecer, e o Usuário aceitar, a ativação da Conta Remunerada. 3.2.1.5.2. A ausência de ativação da Conta de Pagamento Remunerada pelo Usuário importará no não recebimento dos rendimentos oriundos da aplicação em títulos públicos federais. 3.2.1.5.3. O Usuário, neste ato, declara-se ciente de que a concessão dos rendimentos oriundos da aplicação do saldo da Conta de titularidade do Usuário é mera liberalidade da AstroPay Brasil, não havendo qualquer obrigação de concessão de tais rendimentos além dos formatos previstos neste Termo e/ou especificados pela AstroPay Brasil em documento distinto. 3.2.2. Não será permitida a realização de aporte de recursos na Conta de Pagamento pelo Usuário com dinheiro em espécie ou cheque. 3.2.3. As Transações que envolvem envio ou pagamento poderão ser realizadas livremente pelo Usuário, conforme dispõe este Termo, salvo em caso de bloqueios judiciais efetuados perante a Conta de Pagamento do Usuário, que serão imediatamente informados ao Usuário, para que este proceda com as medidas que entenda cabíveis, ou, caso a AstroPay Brasil identifique qualquer suspeita de inconsistências cadastrais, fraudes, crimes financeiros, operações fora do seu padrão de uso e/ou utilização indevida que desrespeite qualquer condição presente neste Termo, hipótese em que a movimentação Conta de Pagamento apenas será liberada mediante apresentação dos devidos esclarecimentos pelo Usuário, e, por fim, nas demais formas previstas neste Termo. 3.2.4. Os serviços adicionais mencionados no item 3.2. acima, envolvem a disponibilidade, ao Usuário, de realizar, através da Plataforma, a aquisição de serviços de Merchants vinculados à AstroPay Brasil e demais estabelecimentos comerciais. 3.3. As Transações realizadas por meio das Funcionalidades deixarão de ser acatadas pela AstroPay Brasil quando: (i) não houver recursos suficientes na Conta de Pagamento; (ii) o Usuário deixar de fornecer as informações suficientes ou fornecer informações incorretas para realização da Transação; e/ou (iii) houver indícios de fraude ou suspeita ou ato ilícito, de acordo com o previsto neste Termo e na legislação vigente. 3.4. Os serviços prestados perante a Conta de Pagamento e Funcionalidades atreladas serão integralmente prestados através de meios eletrônicos ao Usuário. 3.5. O Usuário declara-se ciente de que, em se tratando de serviços de tecnologia e que dependem de serviços prestados por terceiros, a AstroPay Brasil não poderá ser responsabilizada ou assumirá qualquer responsabilidade por falhas, erros, interrupções, mau funcionamento ou atrasos na utilização das Funcionalidades e da Conta de Pagamento, não garantindo a manutenção das Funcionalidades de forma ininterrupta, sem momentos de indisponibilidade ou lentidão. 3.6. A AstroPay Brasil também não será responsável pela: (i) intermitência ou indisponibilidade de conexão à internet adotada pelo Usuário, (ii) incapacidade técnica do dispositivo móvel ou sistema operacional, (iii) indisponibilidade do Aplicativo na loja de aplicativos utilizados pelo Usuário; e/ou (iv) atividades de pessoas não autorizadas a movimentar a Conta de Pagamento. 3.7. O Usuário será o único responsável pela segurança e confidencialidade de sua Senha e pelo uso de sua Conta de Pagamento, sendo certo que caso estas informações sejam, por qualquer motivo, extraviadas ou perdidas, o Usuário deverá informar imediatamente à AstroPay Brasil, através dos Canais de Atendimento, para solucionar as questões de acesso. 3.8. Cabe somente ao Usuário responder por quaisquer danos causados a terceiros, à Plataforma, ao Aplicativo ou à própria AstroPay Brasil, decorrentes do uso da Conta de Pagamento e das Funcionalidades disponibilizadas. 3.9. Os Usuários não devem utilizar as Funcionalidades disponibilizadas na Conta de Pagamento para quaisquer fins ou meios ilegais, difamatórios, discriminatórios, abusivos, ofensivos, obscenos, agressivos, injuriosos, vexatórios, enganosos, caluniosos, violentos, vulgares, ou de assédio, ameaça ou uso de falsa identidade, ou ainda atos ilícitos, principalmente fraude, estelionato, lavagem de dinheiro e financiamento ao terrorismo, ou seja, qualquer uso escuso que possa prejudicar a AstroPay Brasil ou terceiros. 3.9.1. Nas hipóteses em que a AstroPay Brasil verificar qualquer indício ou tentativa de fraude, estelionato, lavagem de dinheiro, ou qualquer ato ilícito além dos previstos nestes Termo, os valores das operações poderão ser bloqueados pela AstroPay Brasil, temporariamente, até que seja possível averiguar a consonância da transação com o previsto neste Termo. 3.10. Os recursos mantidos na Conta de Pagamento, salvo se expressamente pactuado de modo diverso, não sofrerão qualquer tipo de acréscimo ou alteração, tais como correção monetária e juros, assim como, não estão sujeitos a qualquer rendimento ou remuneração ao Usuário, independentemente do período que restarem aportados. 4. MED E BLOQUEIO CAUTELAR 4.1. O Usuário declara-se ciente que a AstroPay Brasil, na qualidade de participante indireto do Pix, está sujeita aos processos relativos ao MED e ao Bloqueio Cautelar, nos termos do Regulamento do Pix, disposto na Resolução BCB n. 1, de 12 de agosto de 2020. 4.2. O Usuário, quando atuar na qualidade de pagador de Transação Pix e identificar suspeita de fraude ou de falha no sistema de tecnologia da AstroPay Brasil, poderá requisitar à AstroPay Brasil a utilização do MED para tentar reaver os recursos que tenha transacionado na referida Transação. 4.2.1. A utilização do MED não garante a restituição da integralidade dos recursos pagos através de Transação Pix, de forma que a AstroPay Brasil se compromete a efetuar todas as medidas possíveis para buscar tal restituição junto à instituição financeira ou de pagamentos do recebedor. 4.2.2. A AstroPay Brasil poderá efetuar a restituição dos recursos pagos através de Transação Pix de forma parcial, mediante diversos aportes, de forma que o número de aportes dependerá do formato em que a instituição financeira ou de pagamentos do recebedor efetuará a remessa dos recursos à AstroPay Brasil. 4.2.3. O Usuário poderá requerer o cancelamento da solicitação de devolução efetuada perante o MED em até 30 (trinta) dias contados a partir da sua solicitação. 4.2.3.1. Em havendo a solicitação de cancelamento do MED pelo Usuário, este terá sua Conta de Pagamento imediatamente bloqueada, para que AstroPay Brasil retenha e restitua ao recebedor que, originalmente, havia efetuado a devolução ao Usuário, hipótese em que se aplicará o previsto no item 4.3.2 deste Termo. 4.3. Na hipótese da AstroPay Brasil identificar suspeita de fraude em Transação Pix em que o Usuário figure como recebedor, a AstroPay Brasil poderá executar o Bloqueio Cautelar, bloqueando a movimentação da Conta de Pagamento, até o limite do valor da Transação Pix, pelo prazo máximo de 72 (setenta e duas) horas, para análise de indícios que fundamentam a suspeita de fraude, devendo informar o Usuário de tal ocorrência imediatamente. 4.3.1. Concluindo haver fundada suspeita de fraude, a AstroPay Brasil executará o procedimento previsto no item 4.4 deste Termo. 4.3.2. Concluindo não haver fundada suspeita de fraude, a AstroPay Brasil realizará a liberação dos recursos bloqueados de movimentação e comunicará imediatamente o Usuário de tal resultado. 4.3.3. O previsto no item 4.3 não se aplica às Contas de Pagamento em que o Usuário seja pessoa jurídica, incluindo empresário individual. 4.4. Na hipótese da AstroPay Brasil identificar suspeita de fraude em Transação Pix em que o Usuário figure como recebedor ou sofrer falha em seus sistemas operacionais de tecnologia que impacte ou esteja relacionada à Transação Pix recebida pelo Usuário, esta poderá iniciar a devolução da Transação para restituir os recursos à instituição financeira ou de pagamento do pagador, conforme autorizado, neste ato, pelo Usuário. 4.4.1. Para garantir a execução da devolução dos valores oriundos da Transação Pix, a partir do momento da identificação do previsto no item 4.2 acima, fica desde já autorizado, que a AstroPay Brasil realize o bloqueio imediato de movimentação da Conta de Pagamento até o limite valor da Transação Pix. 4.4.2. O Usuário, possuindo saldo disponível menor que o valor da Transação Pix, terá a integralidade de seu saldo bloqueado para movimentação, assim como, pelo período de 90 (noventa) dias contados da data da Transação Pix, todos os recursos aportados na Conta de Pagamento serão imediatamente retidos para ser utilizado para a devolução dos valores oriundos da Transação Pix que tenha sido objeto do MED, até que ocorra a devolução em sua integralidade. 4.4.3. A AstroPay Brasil se compromete a informar o Usuário sempre que ocorrer o previsto no item 4.3.1. 4.4.4. O previsto no item 4.4 apenas poderá ser realizado aos Usuários pessoa física após a aplicação do Bloqueio Cautelar, conforme previsto no item 4.3 deste Termo. 4.5. Na hipótese da AstroPay  Brasil receber solicitação de devolução de Transação Pix de outra instituição financeira ou de pagamentos, em Transação em que o Usuário figure como pagador, a AstroPay Brasil irá avaliar a Transação, sendo que na hipótese de identificar fundada suspeita de fraude ou considerar legítima a ocorrência de falha nos sistemas operacionais da instituição financeira ou de pagamentos do recebedor da Transação, irá receber os recursos e aportá-los na Conta de Pagamentos do Usuário. 4.6. A AstroPay Brasil se compromete a informar o Usuário, independente da qualidade em que esteja - pagador ou recebedor - da concretização de devolução de Transação Pix realizada através do MED. 4.7. A AstroPay Brasil apenas se responsabilizará por prejuízos sofridos pelo Usuário relativo aos recursos oriundos de Transações Pix que seja oriundo de falha nos sistemas de segurança da AstroPay Brasil, caso não seja possível obter a devolução integral dos recursos da Transação Pix via MED. 4.8. CONSIDERANDO O ACIMA EXPOSTO, O USUÁRIO CONCORDA E AUTORIZA A ASTROPAY BRASIL A PROCEDER COM O PREVISTO NA CLÁUSULA 4 DESTE TERMO PARA PERFECTIBILIZAR A EXECUÇÃO DO BLOQUEIO CAUTELAR, QUANDO APLICÁVEL, E DO MED, DECLARANDO ESTAR CIENTE DA POSSIBILIDADE DE BLOQUEIO DE MOVIMENTAÇÃO DE SUA CONTA DE PAGAMENTO E RETENÇÃO DE RECURSOS PARA FINS DE DEVOLUÇÃO AO PAGADOR DA TRANSAÇÃO PIX. 5. DISPUTA E CANCELAMENTO DE TRANSAÇÕES 5.1. A AstroPay Brasil se reserva o direito de proceder com o cancelamento do processamento de Transações que representem ou possuam: (i) informações errôneas, incompletas ou imprecisas indicadas pelo Usuário para a realização da Transação; (ii) recusa pelo recebedor da Transação; (iii) irregularidades perante as disposições deste Termo; (iv) tiver sido realizada em duplicidade; ou (v) suspeita de fraude ou ato ilícito. 5.1.1. Em havendo o cancelamento do processamento da Transação pela AstroPay Brasil, esta informará o Usuário, mediante ou não apresentação do justo motivo que ensejou tal cancelamento, dentre os citados no item 5.1 acima. 5.2. O Usuário não poderá requerer o cancelamento de Transações efetuadas mediante uso da funcionalidade Pix. 5.2.1. O cancelamento de Transações Pix apenas poderá ser requerido no âmbito do MED, quando este for aplicável, nos termos da Cláusula 4 deste Termo. 5.3. Em nenhuma hipótese a AstroPay Brasil se responsabilizará pelo estorno, restituição e/ou cancelamento de Transações realizadas pelo Usuário em razão de inserção de informações errôneas de pagamento, cabendo unicamente a este verificar a exatidão das informações previamente à realização de Transação. 5.4. Todas as contestações decorrentes de quaisquer Transações realizadas através da AstroPay Brasil deverão ser dirimidas exclusivamente pelo Usuário diretamente com o terceiro envolvido no recebimento ou pagamento Transação, sendo certo que AstroPay Brasil estará isenta de qualquer responsabilidade relacionada à Transação, salvo nos casos em que o Mecanismo Especial de Devolução seja aplicável, nos termos da Cláusula 4 deste Termo, ou que a contestação seja oriunda de Transação efetuada através de Cartão, nos termos do item 5.5 deste Termo. 5.5. As contestações de Transações efetuadas através de Cartão serão recebidas pela AstroPay Brasil, que se submeterá à Disputa, conforme processo estabelecido pela Bandeira. 5.5.1. Em razão da Disputa de Transações de Cartões ser determinada pela Bandeira, a AstroPay Brasil não se responsabiliza pela tomada de decisões relativas à Disputa ou pelo seu prazo de conclusão, sendo responsável apenas pelo intercâmbio de informações entre o Usuário e a Bandeira. 5.5.2. A AstroPay Brasil se compromete a se manter à disposição para manter o Usuário informado relativo ao funcionamento da Disputa, prazos a serem cumpridos e informações a serem remetidas à Bandeira. 5.5.3. Na hipótese de decisão favorável ao Usuário na Disputa, o Usuário receberá o estorno dos recursos oriundos da Transação contestada. 5.5.4. Na hipótese de decisão desfavorável ao Usuário na Disputa, o Usuário não receberá o estorno dos recursos oriundos da Transação contestada. 6. REMUNERAÇÃO DA ASTROPAY 6.1. Exceto mediante notificação específica ao Usuário, não será devido, pelo Usuário, em favor da AstroPay Brasil, nenhum tipo de valores ou taxas em razão da utilização dos serviços previstos neste Instrumento, exceto no que tange aos serviços relacionados às operações de câmbio, previstos na cláusula 3.2.1., deste Instrumento. Nesta hipótese, será devido pelo Usuário, em favor da AstroPay Brasil, o pagamento do percentual definido em documento específico a ser informado ao Usuário. 6.2. A AstroPay Brasil poderá efetuar o reajuste ou alteração do valor das taxas ou tarifas cobradas, assim como, incluir novas taxas ou tarifas a serem cobradas perante os serviços previstos neste Termo, informando previamente o Usuário, com antecedência de 07 (sete) dias, por e-mail ou divulgação prévia na Plataforma ou Aplicativo. 6.2.1. Na hipótese de o Usuário não concordar com as novas condições de remuneração, poderá encerrar sua Conta de Pagamento, sem a incidência de quaisquer ônus ou penalidades, sendo certo que o não encerramento será interpretado como anuência com relação às novas taxas e tarifas cobradas. 6.2.2. Caso sejam criados tributos ou alteradas as condições de cálculo e/ou cobrança de tributos incidentes sobre a remuneração vigente, a AstroPay Brasil irá alterar os valores cobrados de forma a restabelecer o equilíbrio econômico-financeiro. 7. RESPONSABILIDADES DO USUÁRIO 7.1. Considerando que a Plataforma da AstroPay  Brasil  é disponibilizada através de Aplicativo, para utilização da Conta de Pagamento e suas Funcionalidades o Usuário deverá possuir Dispositivo com acesso à internet e em condições compatíveis para seu uso, sendo de exclusiva responsabilidade do Usuário a obtenção, manutenção e custeio de tal acesso e dos Dispositivos necessários, incluindo tributos, tarifas ou encargos cobrados pelos fornecedores de serviços. 7.1.1. Em nenhuma hipótese a AstroPay Brasil será responsável pela não realização da Transação em razão da incompatibilidade dos Dispositivos utilizados pelo Usuário ou pela ausência ou falha no acesso à internet. 7.2. O Usuário, neste ato, se declara ciente que a realização das Transações está sujeita a aplicação da legislação vigente, inclusive de prevenção a lavagem de dinheiro, financiamento ao terrorismo e combate à corrupção, se obrigando apenas a realizar atos lícitos durante a utilização da Conta de Pagamento. 7.3. O Usuário declara e garante que não está envolvido e não irá se envolver, direta ou indiretamente, inclusive, no caso de Usuário pessoa jurídica, por meio de seus representantes, administradores, diretores, conselheiros, sócios ou acionistas, assessores, consultores, partes relacionadas, clientes, em qualquer atividade ou prática que constitua uma infração aos termos das leis anticorrupção. 7.4. O Usuário declara e garante que, direta ou indiretamente, não irá receber, transferir, manter, usar ou esconder recursos que decorram de qualquer atividade ilícita. 7.5. O não cumprimento pelo Usuário do previsto nos itens 7.3 e 7.4 acima será considerado uma infração grave ao presente Termo e conferirá à AstroPay Brasil o direito de encerrar a Conta de Pagamento do Usuário, sem qualquer ônus ou penalidade. 7.6. O Usuário se compromete a manter os seus dados cadastrais atualizados perante a AstroPay Brasil, devendo informar imediatamente qualquer alteração nos dados informados no Cadastro, especialmente os substanciais para fins de comunicação entre a AstroPay Brasil  e o Usuário. 7.6.1. A ausência de atualização, pelo Usuário, dos dados necessários para que a AstroPay Brasil possa contatá-lo, não poderá ensejar responsabilidade à AstroPay Brasil ou invalidar quaisquer novas condições ou atualizações dos termos previsto neste instrumento. 7.7. Quanto às relações estabelecidas entre o Usuário e terceiro que ensejaram Transações, estes serão considerados os únicos e exclusivos responsáveis, não sendo cabível e/ou admitido imputar responsabilidade ou obrigações à AstroPay Brasil sobre qualquer ato ou fato relacionada à Transação, de forma que o Usuário deverá isentar a AstroPay Brasil de toda e qualquer reclamação ou litígio judicial ou extrajudicial decorrente das Transações efetuadas através da Conta de Pagamento. 7.8. O Usuário obriga-se a ressarcir a AstroPay Brasil de todos os valores comprovadamente despendidos em ações judiciais ou processos administrativos que tenham sido ajuizados contra a AstroPay Brasil em razão do descumprimento de obrigações imputáveis ao Usuário, incluindo débitos decorrentes de condenações, custas e despesas processuais, além de honorários advocatícios. 7.8.1. O Usuário autoriza, desde, já, a AstroPay Brasil a realizar o débito automático em Conta de Pagamento dos valores a serem pagos pelo Usuário para fins do ressarcimento previsto no item 7.4 acima. 8. VIGÊNCIA E ENCERRAMENTO DA CONTA DE PAGAMENTO 8.1. Este Termo terá início na data da sua adesão e vigerá por prazo indeterminado. 8.2. A AstroPay Brasil poderá alterar qualquer das condições deste Termo, o que poderá ocorrer por qualquer meio de comunicação efetiva, incluindo, mas não se limitando a notificação realizada diretamente pela Plataforma e/ou Aplicativo, envio de correspondência ou e-mail. 8.2.1. Caso o Usuário não concorde com as alterações acima mencionadas, este poderá solicitar o encerramento da sua Conta de Pagamento nos Canais de Atendimento da AstroPay Brasil, permanecendo responsável pelo pagamento das despesas efetuadas até a data do encerramento. 8.2.2. Caso o Usuário seja comunicado da alteração e não encerre a sua Conta de Pagamento, presume-se que concorda com as alterações, sendo que tais atos equivalerão à manifestação de vontade do Usuário em aceitar as novas condições do Termo. 8.3. Este Termo poderá ser terminado nas seguintes hipóteses: (i) Pelo Usuário, mediante comunicação a AstroPay Brasil por meio dos Canais de Atendimento disponibilizados, a qualquer momento e sem a necessidade de especificar o motivo. (ii) Pela AstroPay Brasil a qualquer momento, mediante aviso prévio de 15 (quinze) dias, sem a necessidade de especificar o motivo. 8.3.1. Apenas será admitida a execução do previsto no item 8.3.(i) pelo Usuário, caso este possua saldo suficiente para arcar com eventuais débitos contraídos perante a AstroPay Brasil e efetue o resgate integral dos recursos mantidos na Conta de Pagamento, conforme estabelecido no item 8.5. abaixo. 8.3.2.1. O Usuário se obriga a realizar o resgate do saldo mantido na Conta de Pagamento dentro do período de aviso prévio estabelecido pela AstroPay Brasil. 8.4. A AstroPay Brasil poderá bloquear e/ou encerrar imediatamente a Conta de Pagamento, sem aviso prévio, se ocorrer alguma das situações abaixo: (i) Omissão de qualquer informação cadastral ou falta de atualização das informações cadastrais por parte do Usuário; (ii) Fornecimento de informações falsas ou incorretas; (iii) Atrasos no pagamento dos valores devidos a AstroPay Brasil por um período maior do que 15 (quinze) dias; (iv) Suspeita de fraude ou qualquer ato ilícito realizado pelo Usuário ou por Terceiros; (v) Utilização da Conta de Pagamento para finalidade diversa da declarada; (vi) Descumprimento de qualquer das condições e/ou obrigações estabelecidas por meio deste Termo; (vii) Decretação judicial de insolvência do Usuário, ou seja, quando for reconhecido judicialmente que o Usuário não possui mais recursos para adimplir com os valores devidos à AstroPay Brasil; (viii) Se o Usuário não utilizar sua Conta de Pagamento por 6 (seis) meses consecutivos. 8.5. Para formalizar o encerramento da Conta de Pagamento, em qualquer hipótese, deverá, necessariamente, ocorrer comunicação entre as partes acerca da intenção de rescindir o presente Termo, nos termos das cláusulas 8.2., 8.3. e 8.4. acima, ficando claro, desde já, que quando do pedido de encerramento da conta, a AstroPay Brasil observará todos os procedimentos e as obrigações que lhe são atribuídas por força de Resolução BCB n.º 96/21. 8.5.1. Quando do encerramento da Conta de Pagamento, o Usuário deverá indicar conta bancária ou de pagamentos que detenha em outra instituição, para que a AstroPay Brasil realize a transferência de eventual saldo remanescente ou, alternativamente, a critério do Usuário, colocará os recursos a sua disposição para posterior retirada em espécie. 8.5.2. Em se tratando de Conta de Pagamento, de titularidade de pessoa jurídica, fica estabelecido, desde já, que a AstroPay Brasil irá suspender a autorização do respectivo representante, mandatário ou preposto para a movimentação da conta caso verifique irregularidade grave na inscrição desses agentes no CPF. 8.6. Na hipótese de encerramento imediato da Conta de Pagamento pela AstroPay Brasil, aplicar-se-ão os termos previstos nos Termos e Condições de Encerramento de Conta de Pagamento, mesmo que não seja assinado formalmente pelo Usuário, visto que é parte integrante deste Termo. 9. PROPRIEDADE INTELECTUAL 9.1. O Usuário, desde já, reconhece que é de titularidade da AstroPay Brasil toda a propriedade intelectual empregada na Plataforma, em seu website e em qualquer material criado e disponibilizado pela AstroPay Brasil, incluindo: (i) marcas, denominações sociais, nomes de serviços, slogans, trade dress, logotipos, nome de domínio da internet e outros sinais distintivos, assim como todos os pedidos, registros, extensões e renovações relacionadas; (ii) patentes, pedidos de patente e todas as renovações relacionadas, modelos de utilidade, pedidos de modelos de utilidade, certificados de adição, pedidos de certificados de adição, extensões e renovações relacionadas e registros de invenções; (iii) registros de desenhos industriais e pedidos de registros de desenho industrial, extensões e renovações relacionadas; (iv) direitos autorais, programas de computador, layouts, formas de apresentação, combinações de cores, códigos fonte e registros e pedidos de registro relacionados; e (v) segredos industriais e know-how. 9.2. Aliado ao previsto acima, o Usuário reconhece que os serviços adicionais disponibilizados na Plataforma possuem titulares específicos de propriedade intelectual, que deverão ser igualmente respeitados pelo Usuário. 9.3. O Usuário se compromete a não violar, reproduzir, imitar, total ou parcialmente, qualquer propriedade intelectual da AstroPay Brasil, bem como a não utilizar qualquer propriedade intelectual da AstroPay Brasil para quaisquer finalidades além das previstas neste Termo e permitidas por lei. 10. DISPOSIÇÕES GERAIS 10.1. O Usuário reconhece expressamente que a AstroPay Brasil poderá contatá-lo por meio telefônico, de aplicativos que permitem a troca de mensagens, áudios e vídeos pelo celular, mensagens via correio eletrônico, mensagens via SMS e via envio de mala direta, com cunho institucional, técnico, comercial e informativo, a fim de viabilizar a comunicação entre as Partes. 10.1.1. A AstroPay Brasil  não se responsabiliza por eventuais atrasos, falhas ou indisponibilidades da rede sem fio, da internet ou dos serviços prestados pelas operadoras de telefonia móvel que venham a prejudicar a transmissão das informações. 10.2. O Usuário declara e garante ter ciência de que a Plataforma e o Aplicativo estão suscetíveis a falhas, problemas de acesso decorrentes de falhas de terceiros, os quais fogem do controle da AstroPay Brasil, incluindo mas não se limitando a: (i) falhas apresentadas pelos Dispositivos utilizados pelo Usuário, independentemente da natureza ou causa do erro; (ii) falhas relacionadas à qualidade de sua conexão com a internet; (iii) falhas apresentadas por softwares ou equipamentos de terceiros; (iv) informações inexatas, incompletas e/ou desatualizadas que Você tenha fornecido; (v) insuficiência de saldo para realização de Transações; (vi) rejeição de Transações pela outra parte; e (vii) Transações solicitadas em desacordo com as regras determinadas pela AstroPay Brasil; de forma que entende e declara que a AstroPay Brasil não será responsável por quaisquer danos ou prejuízos causados ao Usuário com relação a falhas desta natureza, que fujam de seu alcance e/ou responsabilidade legal, conforme aplicável. 10.3. O Usuário é responsável pelo descumprimento das obrigações previstas neste Termo, sendo que no caso de inexatidão das suas declarações ou prática de alguma qualquer conduta ilícita, devendo indenizar a AstroPay Brasil, imediatamente, caso esta venha a sofrer quaisquer prejuízos, despesas, incluindo honorários de advogado e custas judiciais, incorridas. 10.4. A AstroPay Brasil comunicará ao BCB, ao COAF ou outros órgãos que a legislação previr, as operações que possam estar configuradas na Lei 9.613/98 (que dispõe sobre os crimes de lavagem ou ocultação de bens, direitos e valores) e demais disposições legais pertinentes à matéria. 10.5. A AstroPay Brasil declara: (i) exercer sua atividade em conformidade com a legislação vigente; e (ii) envidar esforços para não haver violação de sua segurança virtual, ressalvado, no entanto, que, a AstroPay Brasil não se responsabilizará por perdas, prejuízos ou danos resultantes da violação de sua segurança virtual por terceiros. 10.6. O Usuário entende e concorda que a Conta de Pagamento é serviço pessoal e intransferível, de forma que não poderá ceder o presente Termo, em nenhuma hipótese. A AstroPay Brasil poderá, independentemente de qualquer aviso ou notificação, a qualquer momento, ceder o presente Termo, no todo ou em parte, a empresas de seu grupo econômico ou terceiros. 10.7. Qualquer tolerância da AstroPay Brasil em relação a obrigações que não sejam cumpridas pelo Usuário e/ou quaisquer falhas em exigir direitos ou disposições contidas neste Contrato, serão consideradas meras liberalidades da AstroPay Brasil, não implicando em renúncia ou modificação deste Termo, que permanecerá válido, podendo a AstroPay Brasil, a qualquer momento, exercer regularmente tais direitos. 10.8. Este Termo foi firmado por meios eletrônicos disponibilizados pela AstroPay Brasil, e, portanto, o Usuário reconhece que este meio, assim como todas as suas etapas, são formas válidas de contratação e que sua identificação no momento da contratação, composta por seu nome de usuário e senha ou qualquer outro dispositivo de segurança utilizado, são prova de sua concordância com este Contrato e com o formato de contratação. Qualquer discordância relacionada a esta forma de contratação deverá ser acompanhada de prova, nos termos do artigo 10º, parágrafo segundo da Medida Provisória nº. 2.200-2/ 2001 e do artigo 225 do Código Civil. 10.9. Quaisquer dúvidas ou questões relacionadas à Conta de Pagamento, incluindo dificuldades com a utilização da Plataforma ou na realização de Transações, poderão ser dirimidas pelo Usuário através dos Canais de Atendimento da AstroPay Brasil. 11.1. O presente Termo será regido pelas leis da República Federativa do Brasil, ficando eleito o Foro Central da Comarca da Capital do Estado de São Paulo para dirimir quaisquer controvérsias relativas ao presente Instrumento, sem prejuízo do Usuário optar pelo foro de seu domicílio. --- ### Page: https://www.astropay.com/pt/brazil/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: pt-BR Canonical URL: https://www.astropay.com/pt/brazil/t-c-agreement-for-individuals ## Headings Structure: H1: TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO H2: Baixe o app do AstroPay ## Main Content: H1: TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO H2: Baixe o app do AstroPay Por este instrumento, a ASTRO INSTITUICAO DE PAGAMENTO LTDA., Sociedade empresária limitada, inscrita regularmente sob o CNPJ nº 34.006.497/0001-77, com sede na Avenida Brigadeiro Faria Lima, nº 4055, 4º andar, sala nº 106, Bairro Itaim Bibi, na Cidade de São Paulo/SP, sob o CEP nº 04538-133, neste ato representado por seus representantes legais nos termos dos seus atos constitutivos (“AstroPay Brasil”), e a pessoa física ou jurídica qualificada no Cadastro ("Usuário"); em conjunto, denominadas "Partes"; firmam entre si o presente TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO ("Termo"), nas seguintes cláusulas e condições: O Usuário, ao realizar, através da plataforma fornecida pela AstroPay Brasil: (i) acesso à conta de pagamento e primeira transação de pagamento e (ii) a marcação da caixa de diálogo “Li e aceito”; estará automaticamente aderindo e concordando com as cláusulas e condições deste Termo, inclusive eventuais modificações posteriores. Após a ocorrência da primeira transação de pagamento através da conta de pagamento de titularidade do Usuário, conforme aberta perante a AstroPay Brasil, ainda que não se localize o registro de log do aceite através da marcação da caixa de diálogo mencionada no item (ii) acima, serão consideradas válidas todas as condições estabelecidas neste Termo. As cláusulas e condições deste Termo poderão ser alteradas, a livre critério e a qualquer tempo, pela AstroPay Brasil, mediante comunicação ao Usuário, por escrito, se aplicável, encaminhada ao seu endereço eletrônico conforme informado no Cadastro. A permanência, pelo Usuário, na utilização dos serviços previstos neste Termo, importará em aceitação tácita, nos termos do art. 111 do Código Civil, com as alterações promovidas no Termo. Caso o Usuário não concorde com qualquer modificação promovida no Termo, poderá promover o encerramento da conta de pagamento, imediatamente, mediante solicitação através dos Canais de Atendimento, sem incidência de qualquer ônus e penalidades para as Partes. Para a sua comodidade, a data incluída no rodapé desta página é a data da última revisão deste Termo. Em caso de dúvidas, contate a AstroPay Brasil por meio dos seguintes Canais de Atendimento: support@astropay.com 1.1. Todos os termos iniciados em maiúscula neste Termo terão os seguintes significados: “Aplicativo” significa o aplicativo digital disponibilizado pela AstroPay Brasil ao Usuário, inclusive para acesso à Conta de Pagamentos, consulta e/ou solicitação de Serviços. “AstroPay Global” são as sociedades devidamente constituídas e existentes de acordo com as leis da  Inglaterra e no País de Gales, com o número de empresa OC346322, com sede na 4 King’s Bench Walk, Temple, EC4Y 7DL, Londres, EC4Y 7DL, Reino Unido, da Ilha de Man, com número de empresa 135497C e 135889C, com sede na 18-20 North Quay, Douglas, ofertante de serviços de conta de pagamento no exterior. “Bandeira” significa a empresa instituidora do arranjo de pagamento responsável por estabelecer um conjunto de regras e procedimentos que regem as relações entre credenciadores, emissores e Usuários do Cartão, o que permite que seu Cartão seja aceito como instrumento de pagamento. “BCB” significa Banco Central do Brasil. “Bloqueio Cautelar” significa mecanismo de prevenção à fraude implementado pelo BCB através do Regulamento do Pix, que permite o bloqueio preventivo dos recursos oriundo de Transação em que a instituição participante do Pix atrelada ao recebedor da Transação pode realizar para verificar a existência de fundada suspeita de fraude. “Cadastro” significa o procedimento de preenchimento de determinadas informações, as quais são obrigatoriamente requeridas ao Usuário na Plataforma, para fins de sua devida identificação. “Canais de Atendimento” canal de comunicação entre o Usuário e a AstroPay Brasil, qual seja: support@astropay.com "Cartão" instrumento de pagamento, pré-pago ou pós-pago, utilizado para realização de compras de bens ou serviços, aceitos pela AstroPay Brasil. "Chave Pix" significa informação relacionada ao Usuário que permite o recebimento de Transação Pix. "COAF" significa Conselho de Controle de Atividade Financeira. "Conta de Pagamento" significa a conta de pagamento de titularidade do Usuário, aberta e mantida perante a AstroPay Brasil, que permite a realização de Transações com base em recursos previamente aportados. "Dias Úteis" significa os dias que não se encontram na lista de “feriados federais e bancários”, de acordo com o calendário disponibilizado pela Federação Brasileira de Bancos (Febraban). "Dispositivos" significa smartphones, tablets, entre outros equipamentos que possibilitam a instalação e utilização de aplicativos. "Disputas" significa o processo de contestação de Transações efetuadas mediante Cartão perante a Bandeira, conforme determinado pela Bandeira através de seu regulamento próprio. “Estabelecimento": significa toda a Pessoa Jurídica, devidamente constituída de acordo com a legislação vigente do Brasil, a qual está credenciada para aceitar o recebimento de valores através de Transações realizadas pelo Usuário. "Funcionalidades" significa todos os serviços disponibilizados na Conta de Pagamento que permitam ao Usuário efetuar diferentes tipos de Transações. "MED" significa Mecanismo Especial de Devolução, mecanismo implementado pelo BCB através do Regulamento do Pix que permite a tentativa de devolução de recursos que tenham sido objeto de Transação com fundada suspeita de fraude ou de falha nos sistemas das instituições de pagamento ou financeiras participantes do Pix. “Merchant” significa toda Pessoa Jurídica devidamente constituída de acordo com a legislação vigente do Brasil, a qual está autorizada a vender produtos e serviços e para a qual a AstroPay Brasil presta serviços de intermediação de pagamento. "Plataforma" significa todas as páginas eletrônicas disponibilizadas pela AstroPay Brasil ao Usuário, inclusive Aplicativo, para acesso à Conta de Pagamentos e para acesso, consulta e/ou solicitação de outros serviços ofertados pela AstroPay Brasil. "Senha" significa o código composto de números para assinatura eletrônica, pessoal, intransferível e confidencial, cuja utilização e divulgação são de única e exclusiva responsabilidade do Usuário. "Serviços" significa os serviços prestados pela AstroPay Brasil ao Usuário, voltados ao fornecimento da Conta de Pagamento. "Transação" significa toda e qualquer transação de pagamento, de envio ou recebimento de recursos, que possa ser efetuada através da Conta de Pagamento. 2.1. A adesão do Usuário a este Termo dar-se-á mediante aceite de forma eletrônica, bem como dos Termos de Uso do e Política de Privacidade da Plataforma. 2.2. A utilização da Conta de Pagamento pelo Usuário, através da realização de qualquer Transação, pressupõe e confirma a ciência e aceitação deste em relação às condições do Termo, as quais regulamentarão a relação entre o Usuário e a AstroPay Brasil. 2.2.1. Ao aceitar o presente Termo, o Usuário declara ter lido e concordado com as condições da Política de Privacidade da Plataforma e do Aplicativo em sua integralidade, assim como, ser pessoa física ou representante de pessoa jurídica, plenamente capaz e maior de 18 (dezoito) anos ou emancipado, com poderes para celebrar contratos e realizar operações financeiras, ou ainda, menor de 18 (dezoito) anos, devidamente representado pelo seu representante legal. 2.3. Após realizado o Cadastro no Aplicativo e/ou na Plataforma, o qual deverá ser aprovado pela AstroPay Brasil, o Usuário poderá requerer a abertura de Conta de Pagamento, o que será feito diretamente por meio da Plataforma, Aplicativo e/ou dos demais Canais de Atendimento. 2.4. Caso entenda necessário e/ou pertinente para fins de aprovação ou revisão do Cadastro do Usuário, a AstroPay Brasil poderá, a seu exclusivo critério, solicitar dados pessoais e/ou documentos adicionais do Usuário a qualquer momento. A recusa em enviar o material solicitado garantirá a AstroPay Brasil o direito de indeferir, suspender ou cancelar o Cadastro do Usuário, assim como, a encerrar a Conta de Pagamento do Usuário caso esta já esteja aberta, a seu exclusivo critério, não cabendo ao Usuário, por essa razão, qualquer tipo de indenização ou ressarcimento. 2.4.1. O Usuário declara que todas as informações e dados por ele fornecidos são verdadeiros, válidos e atualizados, o que independe de eventual controle e verificação que poderá ser realizado pela AstroPay Brasil, em aderência com as regras pertinentes, sobretudo a Circular nº 3.978/2020. 2.4.2. A AstroPay Brasil se reserva o direito de revisar, monitorar ou fiscalizar qualquer das informações, conteúdo ou dados fornecidos pelos Usuários, conforme o disposto abaixo. 2.4.3. A atualização dos dados fornecidos no Cadastro é necessária para que a AstroPay Brasil possa operacionalizar os Serviços prestados ao Usuário, bem como ofertar novos Serviços. Em razão disto, o Usuário deve manter todos os dados e informações fornecidos devidamente atualizados, sendo que quaisquer prejuízos havidos em decorrência da inclusão de informação inverídica e/ou desatualizada, será de única e exclusiva responsabilidade do Usuário. Caso ocorra quaisquer alterações em relação a estes dados, o Usuário deverá, em até 05 (cinco) dias úteis, notificar a AstroPay Brasil para que proceda à alteração do Cadastro do Usuário. 2.5. Caso o Usuário tenha idade superior ou igual a 18 (dezoito anos) e/ou seja emancipado, a AstroPay Brasil apenas aprovará a abertura da Conta de Pagamento se (i) possuir residência em território brasileiro, (ii) mantiver um cadastro ativo e válido junto à Receita Federal do Brasil e (iii) detiver um endereço de e-mail ativo e válido para contato. Informações poderão ser solicitadas ao Usuário, caso solicitado por legislação vigente. 2.5.1. Assim, poderemos, mediante exclusivo critério das AstroPay Brasil, solicitar o seu (i) nome, (ii) endereço e cópia do comprovante de residência, (iii) data de nascimento, (iv) número e cópia de seu documento de identidade, carteira de motorista ou passaporte, (v) número de CPF, (vi) número de telefone, (vii) e-mail; e (viii) outras informações que nos permitem identificá-lo. 2.6. Caso o Usuário seja menor de 18 (dezoito) anos e não seja emancipado, este deverá estar representado pelo seu Representante Legal, o qual deverá fornecer todas as informações cadastrais tanto em relação a si quanto em relação ao Usuário. 2.7. Caso a AstroPay Brasil constate a existência de informações e/ou dados pessoais incorretos, inverídicos e/ou desatualizados e não seja possível regularizar tais informações, ou ainda, caso o Usuário se negue a fornecer eventuais informações e/ou dados pessoais adicionais se e quando solicitados pela AstroPay Brasil, este poderá optar por encerrar a Conta de Pagamento do Usuário, sem prejuízo da aplicação de outras medidas que entender aplicáveis. 2.8. O Usuário autoriza a AstroPay Brasil, a qualquer tempo, de forma expressa e inequívoca, e para fins da Lei n. 12.965, de 23 de abril de 2014, da Lei n. 13.709, de 14 de agosto de 2018, da Lei Complementar n. 105, de 10 de janeiro de 2001 e das demais leis e regulamentações aplicáveis, coletar, e tratar seus dados pessoais, incluindo, sem limitação, suas informações cadastrais, bem como informações relativas a demais operações e serviços contratados com a AstroPay Brasil e/ou outras sociedades do grupo econômico, tais como informações relativas a quaisquer valores cobrados, ou, ainda, recebidos, podendo, a AstroPay Brasil compartilhar referidas informações com as demais empresas do mesmo grupo econômico, com a finalidade exclusiva de garantir a correta execução dos serviços previstos neste Termo, conforme disposto na Política de Privacidade. 2.9. O Usuário assumirá toda a responsabilidade civil e criminal perante a AstroPay Brasil pelo descumprimento das obrigações previstas neste Contrato, pela inexatidão das suas declarações e por qualquer conduta ilícita praticada, devendo indenizar a AstroPay Brasil, imediatamente, quaisquer prejuízos, despesas, incluindo honorários de advogado e custas judiciais, incorridas pela AstroPay Brasil em decorrência do ato praticado pelo Usuário. 3. DA CONTA DE PAGAMENTO 3.1. Estes Termos regulam a prestação de serviços, pela AstroPay Brasil ao Usuário, para: (i) abertura de Conta de Pagamento de titularidade do Usuário, habilitando-o a realizar Transações, e (ii) gestão e custódia de recursos mantidos na Conta de Pagamento, que podem envolver ou não a emissão de moeda eletrônica. 3.1.1. A prestação de serviços previstos pela AstroPay Brasil é efetuada através da abertura e gestão de Contas de Pagamento, de titularidade do Usuário, perante a AstroPay Brasil. 3.1.2. O Usuário poderá contratar outros serviços prestados pela AstroPay Brasil, por meio de instrumentos contratuais específicos. 3.2. Perante a Conta de Pagamento, serão disponibilizadas ao Usuário as seguintes Funcionalidades: (i) aporte, resgate e transferência de recursos, (ii) consulta ao saldo da Conta de Pagamento e extrato das Transações, (iii) serviços adicionais. 3.2.1. As Funcionalidades e/ou Serviços poderão ser realizadas através das seguintes Transações: (i) Emissão de Cartão Pré-pago; (iii) Recebimento de Pix; (iv) Agendamento de envio de Pix; (v) Geração de QR Code para recebimento de Pix; (vi) Envio de Pix através de leitura de QR Code; (vii) Emissão de cobrança única, mediante QR Code Pix; (viii) Emissão de cobrança recorrente, mediante QR Code Pix; (ix) Transferência unilateral de recursos para conta no exterior; (x) Recebimento de recursos de conta no exterior; (x) Visualização de extrato da Conta de Pagamento através da Plataforma; (xi) One Touch, funcionalidade que permite ao Usuário fazer pagamentos para determinados Merchants, diretamente da plataforma deste, via transferência; (xii) Pagamento de Boletos e Faturas; (xiii) Conta Remunerada. 3.2.1.1. Será disponibilizado ao Usuário a realização das Transações prevista no subitem (iii) para fins de aporte de recursos na Conta de Pagamento, assim como, o aporte de recursos na Conta de Pagamento, através de transferência bancária, pix e emissão de boleto. 3.2.1.2. Todos os Cartões emitidos de titularidade do Usuário estarão vinculados a única Conta de Pagamento que este detém perante a AstroPay Brasil. 3.2.1.2.2. Cada Cartão terá um número de identificação, data de validade e código de segurança particular, que poderão ser randomicamente alterados de tempos em tempos, conforme as regras de segurança da AstroPay Brasil, a depender do nível de exposição do Usuário. Toda a informação de cartão de crédito/débito é protegida de acordo com as normas PCI_DSS, onde todos os dados do titular do cartão e/ou dados sensíveis de autenticação são processados por um provedor de serviços certificado PCI DSS Nível 1. Não armazenamos, transmitimos nem processamos dados do titular do cartão e/ou dados sensíveis de autenticação, restringindo as interações apenas a informações tokenizadas. 3.2.1.2.3. O Cartão será emitido em formato pré-pago, dependendo de aporte prévio de recursos para que seja possível efetuar Transações, que poderão ser realizadas nas trilhas de débito. 3.2.1.2.4. O aporte dos recursos no Cartão se dará mediante depósito de recursos efetuados na Conta de Pagamento que o Usuário detenha na AstroPay. 3.2.1.2.5. Quando da solicitação do Cartão, o Usuário realizará o cadastramento de Senha pessoal, intransferível e confidencial através do Aplicativo, que apenas poderá ser utilizada após o desbloqueio do Cartão físico ou emissão do Cartão virtual. 3.2.1.2.6. O Usuário será o único e exclusivo responsável pela guarda e segurança do Cartão e de sua Senha, além de ser o único responsável por toda e qualquer atividade que ocorra sob o uso deste, inclusive para efeitos legais. 3.2.1.2.7. O Cartão poderá ser utilizado para compras presenciais ou virtuais, em que o pagamento e a devida confirmação de pagamento são formalizados, em compra presenciais, mediante a aproximação do Cartão físico às máquinas de pagamento fornecidas por instituição de pagamento credenciadoras ou subcredenciadores, via utilização de tecnologia contactless, ou inserção da Senha, quando assim solicitado, enquanto em compras virtuais ocorrerá mediante a informação dos dados do Cartão, físico ou virtual, no gateway de pagamento fornecido pelo Merchant a que o Usuário esteja realizando a Transação. Cada um desses atos caracteriza e deve ser interpretado como concordância do Usuário com relação a cada transação. 3.2.1.2.8. O Cartão possuirá as seguintes funcionalidades, que poderão ser efetuadas de forma presencial ou virtual: (i) Compras de bens e/ou serviços em quaisquer estabelecimentos comerciais que aceitem a referida Funcionalidade observando as condições de pagamento (à vista ou parcelado) oferecidas; e, (ii) Transações no Brasil e no exterior. 3.2.1.2.9. A AstroPay Brasil envidará os melhores esforços para entregar o Cartão no prazo máximo de 10 (dez) dias úteis , contados da data de aprovação da sua emissão, no endereço informado pelo Usuário no seu Cadastro. Na hipótese de a AstroPay Brasil não conseguir concluir a entrega em razão de erro ou inexatidão dos dados informados pelo Usuário no Cadastro, o Usuário terá 5 (cinco) dias úteis contados da comunicação da AstroPay Brasil para entrar em contato com a AstroPay Brasil, a fim de confirmar o endereço ou indicar outro endereço para entrega, sob pena de autorizar a AstroPay Brasil a destruir o Cartão emitido. Referidos prazos mencionados neste item poderão ser estendidos se verificados casos fortuitos ou de força maior (e.g. greves, pandemias, dentre outros), mediante comunicação a ser promovida pela AstroPay Brasil através dos seus canais de comunicação. 3.2.1.2.10. O Usuário deverá rejeitar o recebimento do Cartão se a embalagem que o contiver apresentar qualquer sinal de violação, devendo o ocorrido ser comunicado imediatamente ao AstroPay Brasil por meio dos Canais de Atendimento. 3.2.1.2.11. A AstroPay Brasil sempre enviará para o Usuário o Cartão físico devidamente bloqueado, de forma que ao receber o Cartão, o Usuário deverá conferir se os dados nele contidos estão corretos para então efetuar a ativação do Cartão através dos Canais de Atendimento da AstroPay Brasil, para que só então possa utilizar as funcionalidades do Cartão. 3.2.1.2.12. A partir da aprovação da emissão do Cartão virtual, este será liberado imediatamente pela AstroPay Brasil ao Usuário, através do Aplicativo. 3.2.1.2.13. O Usuário declara aceitar que em transações efetuadas no exterior a taxa de câmbio aplicada pela AstroPay Brasil, no momento da realização de uma Transação no exterior, poderá ser divergente da PTAX estabelecida pelo BCB durante uma janela de consulta, conforme aplicável. 3.2.1.2. As Transações realizadas via Pix, conforme os subitens (ii) a (vii) do item 3.2.1 acima, assim como, demais Transações realizadas via Pix, a partir da ordem do Usuário, ocorrerão de forma instantânea, de acordo com as regras e normas impostas pelo Regulamento do Pix, conforme a Resolução BCB n. 1, de 12 de agosto de 2020, estando disponível para ser realizada a qualquer hora do dia e qualquer dia da semana. 3.2.1.2.1. Para recebimento de Transações Pix, o Usuário poderá cadastrar Chave Pix, até o limite de 05 (cinco) Chaves Pix para Conta de Pagamento de Usuário pessoa física, que serão identificadas por meio de: (i) número do CPF; (ii) número do celular; (iii) endereço de e-mail; ou (iv) chave aleatória (sequência de letras e números gerados aleatoriamente pelo BCB). 3.2.1.2.2. As Chaves Pix do Usuário poderão, mediante comunicação prévia com 07 (sete) Dias Úteis de antecedência, ser portadas para conta bancária ou de pagamento que o Usuário detenha perante outra instituição de pagamento ou financeira. 3.2.1.2.3. O Usuário poderá reivindicar a posse de uma Chave Pix vinculada à conta bancária ou de pagamentos de titularidade de terceiro relativa aos itens (ii) e (iii) previstos no item 3.2.1.2.1 deste Termo, mediante a apresentação de requerimento devidamente justificado e acompanhado da documentação que comprove a legitimidade da reivindicação à AstroPay Brasil, que encaminhará ao BCB para análise. 3.2.1.3. As transações realizadas nos termos dos subitens (ix) e (x) do item 3.2.1 acima, permitem a transmissão dos recursos do Brasil para conta localizada no exterior, ou, ainda o recebimento de recursos oriundos do exterior para conta no Brasil, em moedas diferentes do Real. 3.2.1.3.1. A remessa de recursos em moeda estrangeira resultará em uma operação de câmbio, a qual, através do aceite ao presente instrumento, já será expressamente autorizada por você, nos termos da legislação vigente, sobretudo Resolução BCB nº 277 de 31/12/2022 do Banco Central do Brasil. Tal operação incorrerá em impostos específicos, como o IOF, que serão arcados pelo Usuário. 3.2.1.3.2. A remessa de recursos é realizada pela AstroPay Brasil, na qualidade de eFX e/ou por meio de parceiro comercial com licença adequada para tanto, assim, o Usuário, ao abrir uma conta na AstroPay Brasil para realizar a remessa dos recursos, estará abrindo uma conta na AstroPay Global, estando sujeito ao aceite dos Termos e Condições previstos neste link: https://astropay.com/terms-conditions/. A AstroPay Brasil poderá usar instituições financeiras nacionais e internacionais para ser a contraparte na operação de câmbio, bem como realizar determinada transição especificada pelo Usuário. Nesses casos, Astropay Brasil não se responsabiliza por atos ou falhas das instituições financeiras estrangeiras recebedoras dos valores das transações, de modo que a Astropay Brasil, em nenhuma hipótese, será responsável por eventuais atrasos, retenções e/ou cancelamentos de transferências decorrentes de atos da instituição financeira estrangeira. 3.2.1.3.3. O uso de recursos da sua conta de pagamento para a realização de transferências internacionais está limitado a US$10.000,00 (dez mil dólares dos Estados Unidos) ou o seu equivalente em outras moedas, por transação. 3.2.1.3.4. Os recursos aportados na conta de pagamento serão transferidos para a conta de mesma titularidade no exterior de forma automática, a fim de possibilitar a aquisição de serviços internacionais a estabelecimentos, Merchants vinculados ou outros Serviços que tempos em tempos podem ser oferecidos pela AstroPay Brasil, sendo que, quando necessário transacionar referidos valores no Brasil, os recursos serão repatriados de volta. 3.2.1.4. O Usuário poderá realizar Transações em Merchants credenciados pela AstroPay Brasil mediante One Touch, que importará na realização de pagamento pelo Usuário ao Merchant mediante transferência bancária, diretamente do website do Merchant. 3.2.1.4.1. Essa funcionalidade apenas poderá ser utilizada pelo Usuário caso assim esteja disponível no website de Merchants credenciados pela AstroPay Brasil. 3.2.1.5. Com vistas a garantir os cumprimentos regulatórios pela AstroPay Brasil, o saldo da Conta de titularidade do Usuário será garantido mediante aplicação em títulos públicos federais, visando a segregação de seus valores do patrimônio da AstroPay Brasil. 3.2.1.5.1. À luz da Cláusula acima, a AstroPay Brasil poderá oferecer, e o Usuário aceitar, a ativação da Conta Remunerada. 3.2.1.5.2. A ausência de ativação da Conta de Pagamento Remunerada pelo Usuário importará no não recebimento dos rendimentos oriundos da aplicação em títulos públicos federais. 3.2.1.5.3. O Usuário, neste ato, declara-se ciente de que a concessão dos rendimentos oriundos da aplicação do saldo da Conta de titularidade do Usuário é mera liberalidade da AstroPay Brasil, não havendo qualquer obrigação de concessão de tais rendimentos além dos formatos previstos neste Termo e/ou especificados pela AstroPay Brasil em documento distinto. 3.2.2. Não será permitida a realização de aporte de recursos na Conta de Pagamento pelo Usuário com dinheiro em espécie ou cheque. 3.2.3. As Transações que envolvem envio ou pagamento poderão ser realizadas livremente pelo Usuário, conforme dispõe este Termo, salvo em caso de bloqueios judiciais efetuados perante a Conta de Pagamento do Usuário, que serão imediatamente informados ao Usuário, para que este proceda com as medidas que entenda cabíveis, ou, caso a AstroPay Brasil identifique qualquer suspeita de inconsistências cadastrais, fraudes, crimes financeiros, operações fora do seu padrão de uso e/ou utilização indevida que desrespeite qualquer condição presente neste Termo, hipótese em que a movimentação Conta de Pagamento apenas será liberada mediante apresentação dos devidos esclarecimentos pelo Usuário, e, por fim, nas demais formas previstas neste Termo. 3.2.4. Os serviços adicionais mencionados no item 3.2. acima, envolvem a disponibilidade, ao Usuário, de realizar, através da Plataforma, a aquisição de serviços de Merchants vinculados à AstroPay Brasil e demais estabelecimentos comerciais. 3.3. As Transações realizadas por meio das Funcionalidades deixarão de ser acatadas pela AstroPay Brasil quando: (i) não houver recursos suficientes na Conta de Pagamento; (ii) o Usuário deixar de fornecer as informações suficientes ou fornecer informações incorretas para realização da Transação; e/ou (iii) houver indícios de fraude ou suspeita ou ato ilícito, de acordo com o previsto neste Termo e na legislação vigente. 3.4. Os serviços prestados perante a Conta de Pagamento e Funcionalidades atreladas serão integralmente prestados através de meios eletrônicos ao Usuário. 3.5. O Usuário declara-se ciente de que, em se tratando de serviços de tecnologia e que dependem de serviços prestados por terceiros, a AstroPay Brasil não poderá ser responsabilizada ou assumirá qualquer responsabilidade por falhas, erros, interrupções, mau funcionamento ou atrasos na utilização das Funcionalidades e da Conta de Pagamento, não garantindo a manutenção das Funcionalidades de forma ininterrupta, sem momentos de indisponibilidade ou lentidão. 3.6. A AstroPay Brasil também não será responsável pela: (i) intermitência ou indisponibilidade de conexão à internet adotada pelo Usuário, (ii) incapacidade técnica do dispositivo móvel ou sistema operacional, (iii) indisponibilidade do Aplicativo na loja de aplicativos utilizados pelo Usuário; e/ou (iv) atividades de pessoas não autorizadas a movimentar a Conta de Pagamento. 3.7. O Usuário será o único responsável pela segurança e confidencialidade de sua Senha e pelo uso de sua Conta de Pagamento, sendo certo que caso estas informações sejam, por qualquer motivo, extraviadas ou perdidas, o Usuário deverá informar imediatamente à AstroPay Brasil, através dos Canais de Atendimento, para solucionar as questões de acesso. 3.8. Cabe somente ao Usuário responder por quaisquer danos causados a terceiros, à Plataforma, ao Aplicativo ou à própria AstroPay Brasil, decorrentes do uso da Conta de Pagamento e das Funcionalidades disponibilizadas. 3.9. Os Usuários não devem utilizar as Funcionalidades disponibilizadas na Conta de Pagamento para quaisquer fins ou meios ilegais, difamatórios, discriminatórios, abusivos, ofensivos, obscenos, agressivos, injuriosos, vexatórios, enganosos, caluniosos, violentos, vulgares, ou de assédio, ameaça ou uso de falsa identidade, ou ainda atos ilícitos, principalmente fraude, estelionato, lavagem de dinheiro e financiamento ao terrorismo, ou seja, qualquer uso escuso que possa prejudicar a AstroPay Brasil ou terceiros. 3.9.1. Nas hipóteses em que a AstroPay Brasil verificar qualquer indício ou tentativa de fraude, estelionato, lavagem de dinheiro, ou qualquer ato ilícito além dos previstos nestes Termo, os valores das operações poderão ser bloqueados pela AstroPay Brasil, temporariamente, até que seja possível averiguar a consonância da transação com o previsto neste Termo. 3.10. Os recursos mantidos na Conta de Pagamento, salvo se expressamente pactuado de modo diverso, não sofrerão qualquer tipo de acréscimo ou alteração, tais como correção monetária e juros, assim como, não estão sujeitos a qualquer rendimento ou remuneração ao Usuário, independentemente do período que restarem aportados. 4. MED E BLOQUEIO CAUTELAR 4.1. O Usuário declara-se ciente que a AstroPay Brasil, na qualidade de participante indireto do Pix, está sujeita aos processos relativos ao MED e ao Bloqueio Cautelar, nos termos do Regulamento do Pix, disposto na Resolução BCB n. 1, de 12 de agosto de 2020. 4.2. O Usuário, quando atuar na qualidade de pagador de Transação Pix e identificar suspeita de fraude ou de falha no sistema de tecnologia da AstroPay Brasil, poderá requisitar à AstroPay Brasil a utilização do MED para tentar reaver os recursos que tenha transacionado na referida Transação. 4.2.1. A utilização do MED não garante a restituição da integralidade dos recursos pagos através de Transação Pix, de forma que a AstroPay Brasil se compromete a efetuar todas as medidas possíveis para buscar tal restituição junto à instituição financeira ou de pagamentos do recebedor. 4.2.2. A AstroPay Brasil poderá efetuar a restituição dos recursos pagos através de Transação Pix de forma parcial, mediante diversos aportes, de forma que o número de aportes dependerá do formato em que a instituição financeira ou de pagamentos do recebedor efetuará a remessa dos recursos à AstroPay Brasil. 4.2.3. O Usuário poderá requerer o cancelamento da solicitação de devolução efetuada perante o MED em até 30 (trinta) dias contados a partir da sua solicitação. 4.2.3.1. Em havendo a solicitação de cancelamento do MED pelo Usuário, este terá sua Conta de Pagamento imediatamente bloqueada, para que AstroPay Brasil retenha e restitua ao recebedor que, originalmente, havia efetuado a devolução ao Usuário, hipótese em que se aplicará o previsto no item 4.3.2 deste Termo. 4.3. Na hipótese da AstroPay Brasil identificar suspeita de fraude em Transação Pix em que o Usuário figure como recebedor, a AstroPay Brasil poderá executar o Bloqueio Cautelar, bloqueando a movimentação da Conta de Pagamento, até o limite do valor da Transação Pix, pelo prazo máximo de 72 (setenta e duas) horas, para análise de indícios que fundamentam a suspeita de fraude, devendo informar o Usuário de tal ocorrência imediatamente. 4.3.1. Concluindo haver fundada suspeita de fraude, a AstroPay Brasil executará o procedimento previsto no item 4.4 deste Termo. 4.3.2. Concluindo não haver fundada suspeita de fraude, a AstroPay Brasil realizará a liberação dos recursos bloqueados de movimentação e comunicará imediatamente o Usuário de tal resultado. 4.3.3. O previsto no item 4.3 não se aplica às Contas de Pagamento em que o Usuário seja pessoa jurídica, incluindo empresário individual. 4.4. Na hipótese da AstroPay Brasil identificar suspeita de fraude em Transação Pix em que o Usuário figure como recebedor ou sofrer falha em seus sistemas operacionais de tecnologia que impacte ou esteja relacionada à Transação Pix recebida pelo Usuário, esta poderá iniciar a devolução da Transação para restituir os recursos à instituição financeira ou de pagamento do pagador, conforme autorizado, neste ato, pelo Usuário. 4.4.1. Para garantir a execução da devolução dos valores oriundos da Transação Pix, a partir do momento da identificação do previsto no item 4.2 acima, fica desde já autorizado, que a AstroPay Brasil realize o bloqueio imediato de movimentação da Conta de Pagamento até o limite valor da Transação Pix. 4.4.2. O Usuário, possuindo saldo disponível menor que o valor da Transação Pix, terá a integralidade de seu saldo bloqueado para movimentação, assim como, pelo período de 90 (noventa) dias contados da data da Transação Pix, todos os recursos aportados na Conta de Pagamento serão imediatamente retidos para ser utilizado para a devolução dos valores oriundos da Transação Pix que tenha sido objeto do MED, até que ocorra a devolução em sua integralidade. 4.4.3. A AstroPay Brasil se compromete a informar o Usuário sempre que ocorrer o previsto no item 4.3.1. 4.4.4. O previsto no item 4.4 apenas poderá ser realizado aos Usuários pessoa física após a aplicação do Bloqueio Cautelar, conforme previsto no item 4.3 deste Termo. 4.5. Na hipótese da AstroPay  Brasil receber solicitação de devolução de Transação Pix de outra instituição financeira ou de pagamentos, em Transação em que o Usuário figure como pagador, a AstroPay Brasil irá avaliar a Transação, sendo que na hipótese de identificar fundada suspeita de fraude ou considerar legítima a ocorrência de falha nos sistemas operacionais da instituição financeira ou de pagamentos do recebedor da Transação, irá receber os recursos e aportá-los na Conta de Pagamentos do Usuário. 4.6. A AstroPay Brasil se compromete a informar o Usuário, independente da qualidade em que esteja - pagador ou recebedor - da concretização de devolução de Transação Pix realizada através do MED. 4.7. A AstroPay Brasil apenas se responsabilizará por prejuízos sofridos pelo Usuário relativo aos recursos oriundos de Transações Pix que seja oriundo de falha nos sistemas de segurança da AstroPay Brasil, caso não seja possível obter a devolução integral dos recursos da Transação Pix via MED. 4.8. CONSIDERANDO O ACIMA EXPOSTO, O USUÁRIO CONCORDA E AUTORIZA A ASTROPAY BRASIL A PROCEDER COM O PREVISTO NA CLÁUSULA 4 DESTE TERMO PARA PERFECTIBILIZAR A EXECUÇÃO DO BLOQUEIO CAUTELAR, QUANDO APLICÁVEL, E DO MED, DECLARANDO ESTAR CIENTE DA POSSIBILIDADE DE BLOQUEIO DE MOVIMENTAÇÃO DE SUA CONTA DE PAGAMENTO E RETENÇÃO DE RECURSOS PARA FINS DE DEVOLUÇÃO AO PAGADOR DA TRANSAÇÃO PIX. 5. DISPUTA E CANCELAMENTO DE TRANSAÇÕES 5.1. A AstroPay Brasil se reserva o direito de proceder com o cancelamento do processamento de Transações que representem ou possuam: (i) informações errôneas, incompletas ou imprecisas indicadas pelo Usuário para a realização da Transação; (ii) recusa pelo recebedor da Transação; (iii) irregularidades perante as disposições deste Termo; (iv) tiver sido realizada em duplicidade; ou (v) suspeita de fraude ou ato ilícito. 5.1.1. Em havendo o cancelamento do processamento da Transação pela AstroPay Brasil, esta informará o Usuário, mediante ou não apresentação do justo motivo que ensejou tal cancelamento, dentre os citados no item 5.1 acima. 5.2. O Usuário não poderá requerer o cancelamento de Transações efetuadas mediante uso da funcionalidade Pix. 5.2.1. O cancelamento de Transações Pix apenas poderá ser requerido no âmbito do MED, quando este for aplicável, nos termos da Cláusula 4 deste Termo. 5.3. Em nenhuma hipótese a AstroPay Brasil se responsabilizará pelo estorno, restituição e/ou cancelamento de Transações realizadas pelo Usuário em razão de inserção de informações errôneas de pagamento, cabendo unicamente a este verificar a exatidão das informações previamente à realização de Transação. 5.4. Todas as contestações decorrentes de quaisquer Transações realizadas através da AstroPay Brasil deverão ser dirimidas exclusivamente pelo Usuário diretamente com o terceiro envolvido no recebimento ou pagamento Transação, sendo certo que AstroPay Brasil estará isenta de qualquer responsabilidade relacionada à Transação, salvo nos casos em que o Mecanismo Especial de Devolução seja aplicável, nos termos da Cláusula 4 deste Termo, ou que a contestação seja oriunda de Transação efetuada através de Cartão, nos termos do item 5.5 deste Termo. 5.5. As contestações de Transações efetuadas através de Cartão serão recebidas pela AstroPay Brasil, que se submeterá à Disputa, conforme processo estabelecido pela Bandeira. 5.5.1. Em razão da Disputa de Transações de Cartões ser determinada pela Bandeira, a AstroPay Brasil não se responsabiliza pela tomada de decisões relativas à Disputa ou pelo seu prazo de conclusão, sendo responsável apenas pelo intercâmbio de informações entre o Usuário e a Bandeira. 5.5.2. A AstroPay Brasil se compromete a se manter à disposição para manter o Usuário informado relativo ao funcionamento da Disputa, prazos a serem cumpridos e informações a serem remetidas à Bandeira. 5.5.3. Na hipótese de decisão favorável ao Usuário na Disputa, o Usuário receberá o estorno dos recursos oriundos da Transação contestada. 5.5.4. Na hipótese de decisão desfavorável ao Usuário na Disputa, o Usuário não receberá o estorno dos recursos oriundos da Transação contestada. 6. REMUNERAÇÃO DA ASTROPAY 6.1. Exceto mediante notificação específica ao Usuário, não será devido, pelo Usuário, em favor da AstroPay Brasil, nenhum tipo de valores ou taxas em razão da utilização dos serviços previstos neste Instrumento, exceto no que tange aos serviços relacionados às operações de câmbio, previstos na cláusula 3.2.1., deste Instrumento. Nesta hipótese, será devido pelo Usuário, em favor da AstroPay Brasil, o pagamento do percentual definido em documento específico a ser informado ao Usuário. 6.2. A AstroPay Brasil poderá efetuar o reajuste ou alteração do valor das taxas ou tarifas cobradas, assim como, incluir novas taxas ou tarifas a serem cobradas perante os serviços previstos neste Termo, informando previamente o Usuário, com antecedência de 07 (sete) dias, por e-mail ou divulgação prévia na Plataforma ou Aplicativo. 6.2.1. Na hipótese de o Usuário não concordar com as novas condições de remuneração, poderá encerrar sua Conta de Pagamento, sem a incidência de quaisquer ônus ou penalidades, sendo certo que o não encerramento será interpretado como anuência com relação às novas taxas e tarifas cobradas. 6.2.2. Caso sejam criados tributos ou alteradas as condições de cálculo e/ou cobrança de tributos incidentes sobre a remuneração vigente, a AstroPay Brasil irá alterar os valores cobrados de forma a restabelecer o equilíbrio econômico-financeiro. 7. RESPONSABILIDADES DO USUÁRIO 7.1. Considerando que a Plataforma da AstroPay  Brasil  é disponibilizada através de Aplicativo, para utilização da Conta de Pagamento e suas Funcionalidades o Usuário deverá possuir Dispositivo com acesso à internet e em condições compatíveis para seu uso, sendo de exclusiva responsabilidade do Usuário a obtenção, manutenção e custeio de tal acesso e dos Dispositivos necessários, incluindo tributos, tarifas ou encargos cobrados pelos fornecedores de serviços. 7.1.1. Em nenhuma hipótese a AstroPay Brasil será responsável pela não realização da Transação em razão da incompatibilidade dos Dispositivos utilizados pelo Usuário ou pela ausência ou falha no acesso à internet. 7.2. O Usuário, neste ato, se declara ciente que a realização das Transações está sujeita a aplicação da legislação vigente, inclusive de prevenção a lavagem de dinheiro, financiamento ao terrorismo e combate à corrupção, se obrigando apenas a realizar atos lícitos durante a utilização da Conta de Pagamento. 7.3. O Usuário declara e garante que não está envolvido e não irá se envolver, direta ou indiretamente, inclusive, no caso de Usuário pessoa jurídica, por meio de seus representantes, administradores, diretores, conselheiros, sócios ou acionistas, assessores, consultores, partes relacionadas, clientes, em qualquer atividade ou prática que constitua uma infração aos termos das leis anticorrupção. 7.4. O Usuário declara e garante que, direta ou indiretamente, não irá receber, transferir, manter, usar ou esconder recursos que decorram de qualquer atividade ilícita. 7.5. O não cumprimento pelo Usuário do previsto nos itens 7.3 e 7.4 acima será considerado uma infração grave ao presente Termo e conferirá à AstroPay Brasil o direito de encerrar a Conta de Pagamento do Usuário, sem qualquer ônus ou penalidade. 7.6. O Usuário se compromete a manter os seus dados cadastrais atualizados perante a AstroPay Brasil, devendo informar imediatamente qualquer alteração nos dados informados no Cadastro, especialmente os substanciais para fins de comunicação entre a AstroPay Brasil  e o Usuário. 7.6.1. A ausência de atualização, pelo Usuário, dos dados necessários para que a AstroPay Brasil possa contatá-lo, não poderá ensejar responsabilidade à AstroPay Brasil ou invalidar quaisquer novas condições ou atualizações dos termos previsto neste instrumento. 7.7. Quanto às relações estabelecidas entre o Usuário e terceiro que ensejaram Transações, estes serão considerados os únicos e exclusivos responsáveis, não sendo cabível e/ou admitido imputar responsabilidade ou obrigações à AstroPay Brasil sobre qualquer ato ou fato relacionada à Transação, de forma que o Usuário deverá isentar a AstroPay Brasil de toda e qualquer reclamação ou litígio judicial ou extrajudicial decorrente das Transações efetuadas através da Conta de Pagamento. 7.8. O Usuário obriga-se a ressarcir a AstroPay Brasil de todos os valores comprovadamente despendidos em ações judiciais ou processos administrativos que tenham sido ajuizados contra a AstroPay Brasil em razão do descumprimento de obrigações imputáveis ao Usuário, incluindo débitos decorrentes de condenações, custas e despesas processuais, além de honorários advocatícios. 7.8.1. O Usuário autoriza, desde, já, a AstroPay Brasil a realizar o débito automático em Conta de Pagamento dos valores a serem pagos pelo Usuário para fins do ressarcimento previsto no item 7.4 acima. 8. VIGÊNCIA E ENCERRAMENTO DA CONTA DE PAGAMENTO 8.1. Este Termo terá início na data da sua adesão e vigerá por prazo indeterminado. 8.2. A AstroPay Brasil poderá alterar qualquer das condições deste Termo, o que poderá ocorrer por qualquer meio de comunicação efetiva, incluindo, mas não se limitando a notificação realizada diretamente pela Plataforma e/ou Aplicativo, envio de correspondência ou e-mail. 8.2.1. Caso o Usuário não concorde com as alterações acima mencionadas, este poderá solicitar o encerramento da sua Conta de Pagamento nos Canais de Atendimento da AstroPay Brasil, permanecendo responsável pelo pagamento das despesas efetuadas até a data do encerramento. 8.2.2. Caso o Usuário seja comunicado da alteração e não encerre a sua Conta de Pagamento, presume-se que concorda com as alterações, sendo que tais atos equivalerão à manifestação de vontade do Usuário em aceitar as novas condições do Termo. 8.3. Este Termo poderá ser terminado nas seguintes hipóteses: (i) Pelo Usuário, mediante comunicação a AstroPay Brasil por meio dos Canais de Atendimento disponibilizados, a qualquer momento e sem a necessidade de especificar o motivo. (ii) Pela AstroPay Brasil a qualquer momento, mediante aviso prévio de 15 (quinze) dias, sem a necessidade de especificar o motivo. 8.3.1. Apenas será admitida a execução do previsto no item 8.3.(i) pelo Usuário, caso este possua saldo suficiente para arcar com eventuais débitos contraídos perante a AstroPay Brasil e efetue o resgate integral dos recursos mantidos na Conta de Pagamento, conforme estabelecido no item 8.5. abaixo. 8.3.2.1. O Usuário se obriga a realizar o resgate do saldo mantido na Conta de Pagamento dentro do período de aviso prévio estabelecido pela AstroPay Brasil. 8.4. A AstroPay Brasil poderá bloquear e/ou encerrar imediatamente a Conta de Pagamento, sem aviso prévio, se ocorrer alguma das situações abaixo: (i) Omissão de qualquer informação cadastral ou falta de atualização das informações cadastrais por parte do Usuário; (ii) Fornecimento de informações falsas ou incorretas; (iii) Atrasos no pagamento dos valores devidos a AstroPay Brasil por um período maior do que 15 (quinze) dias; (iv) Suspeita de fraude ou qualquer ato ilícito realizado pelo Usuário ou por Terceiros; (v) Utilização da Conta de Pagamento para finalidade diversa da declarada; (vi) Descumprimento de qualquer das condições e/ou obrigações estabelecidas por meio deste Termo; (vii) Decretação judicial de insolvência do Usuário, ou seja, quando for reconhecido judicialmente que o Usuário não possui mais recursos para adimplir com os valores devidos à AstroPay Brasil; (viii) Se o Usuário não utilizar sua Conta de Pagamento por 6 (seis) meses consecutivos. 8.5. Para formalizar o encerramento da Conta de Pagamento, em qualquer hipótese, deverá, necessariamente, ocorrer comunicação entre as partes acerca da intenção de rescindir o presente Termo, nos termos das cláusulas 8.2., 8.3. e 8.4. acima, ficando claro, desde já, que quando do pedido de encerramento da conta, a AstroPay Brasil observará todos os procedimentos e as obrigações que lhe são atribuídas por força de Resolução BCB n.º 96/21. 8.5.1. Quando do encerramento da Conta de Pagamento, o Usuário deverá indicar conta bancária ou de pagamentos que detenha em outra instituição, para que a AstroPay Brasil realize a transferência de eventual saldo remanescente ou, alternativamente, a critério do Usuário, colocará os recursos a sua disposição para posterior retirada em espécie. 8.5.2. Em se tratando de Conta de Pagamento, de titularidade de pessoa jurídica, fica estabelecido, desde já, que a AstroPay Brasil irá suspender a autorização do respectivo representante, mandatário ou preposto para a movimentação da conta caso verifique irregularidade grave na inscrição desses agentes no CPF. 8.6. Na hipótese de encerramento imediato da Conta de Pagamento pela AstroPay Brasil, aplicar-se-ão os termos previstos nos Termos e Condições de Encerramento de Conta de Pagamento, mesmo que não seja assinado formalmente pelo Usuário, visto que é parte integrante deste Termo. 9. PROPRIEDADE INTELECTUAL 9.1. O Usuário, desde já, reconhece que é de titularidade da AstroPay Brasil toda a propriedade intelectual empregada na Plataforma, em seu website e em qualquer material criado e disponibilizado pela AstroPay Brasil, incluindo: (i) marcas, denominações sociais, nomes de serviços, slogans, trade dress, logotipos, nome de domínio da internet e outros sinais distintivos, assim como todos os pedidos, registros, extensões e renovações relacionadas; (ii) patentes, pedidos de patente e todas as renovações relacionadas, modelos de utilidade, pedidos de modelos de utilidade, certificados de adição, pedidos de certificados de adição, extensões e renovações relacionadas e registros de invenções; (iii) registros de desenhos industriais e pedidos de registros de desenho industrial, extensões e renovações relacionadas; (iv) direitos autorais, programas de computador, layouts, formas de apresentação, combinações de cores, códigos fonte e registros e pedidos de registro relacionados; e (v) segredos industriais e know-how. 9.2. Aliado ao previsto acima, o Usuário reconhece que os serviços adicionais disponibilizados na Plataforma possuem titulares específicos de propriedade intelectual, que deverão ser igualmente respeitados pelo Usuário. 9.3. O Usuário se compromete a não violar, reproduzir, imitar, total ou parcialmente, qualquer propriedade intelectual da AstroPay Brasil, bem como a não utilizar qualquer propriedade intelectual da AstroPay Brasil para quaisquer finalidades além das previstas neste Termo e permitidas por lei. 10. DISPOSIÇÕES GERAIS 10.1. O Usuário reconhece expressamente que a AstroPay Brasil poderá contatá-lo por meio telefônico, de aplicativos que permitem a troca de mensagens, áudios e vídeos pelo celular, mensagens via correio eletrônico, mensagens via SMS e via envio de mala direta, com cunho institucional, técnico, comercial e informativo, a fim de viabilizar a comunicação entre as Partes. 10.1.1. A AstroPay Brasil  não se responsabiliza por eventuais atrasos, falhas ou indisponibilidades da rede sem fio, da internet ou dos serviços prestados pelas operadoras de telefonia móvel que venham a prejudicar a transmissão das informações. 10.2. O Usuário declara e garante ter ciência de que a Plataforma e o Aplicativo estão suscetíveis a falhas, problemas de acesso decorrentes de falhas de terceiros, os quais fogem do controle da AstroPay Brasil, incluindo mas não se limitando a: (i) falhas apresentadas pelos Dispositivos utilizados pelo Usuário, independentemente da natureza ou causa do erro; (ii) falhas relacionadas à qualidade de sua conexão com a internet; (iii) falhas apresentadas por softwares ou equipamentos de terceiros; (iv) informações inexatas, incompletas e/ou desatualizadas que Você tenha fornecido; (v) insuficiência de saldo para realização de Transações; (vi) rejeição de Transações pela outra parte; e (vii) Transações solicitadas em desacordo com as regras determinadas pela AstroPay Brasil; de forma que entende e declara que a AstroPay Brasil não será responsável por quaisquer danos ou prejuízos causados ao Usuário com relação a falhas desta natureza, que fujam de seu alcance e/ou responsabilidade legal, conforme aplicável. 10.3. O Usuário é responsável pelo descumprimento das obrigações previstas neste Termo, sendo que no caso de inexatidão das suas declarações ou prática de alguma qualquer conduta ilícita, devendo indenizar a AstroPay Brasil, imediatamente, caso esta venha a sofrer quaisquer prejuízos, despesas, incluindo honorários de advogado e custas judiciais, incorridas. 10.4. A AstroPay Brasil comunicará ao BCB, ao COAF ou outros órgãos que a legislação previr, as operações que possam estar configuradas na Lei 9.613/98 (que dispõe sobre os crimes de lavagem ou ocultação de bens, direitos e valores) e demais disposições legais pertinentes à matéria. 10.5. A AstroPay Brasil declara: (i) exercer sua atividade em conformidade com a legislação vigente; e (ii) envidar esforços para não haver violação de sua segurança virtual, ressalvado, no entanto, que, a AstroPay Brasil não se responsabilizará por perdas, prejuízos ou danos resultantes da violação de sua segurança virtual por terceiros. 10.6. O Usuário entende e concorda que a Conta de Pagamento é serviço pessoal e intransferível, de forma que não poderá ceder o presente Termo, em nenhuma hipótese. A AstroPay Brasil poderá, independentemente de qualquer aviso ou notificação, a qualquer momento, ceder o presente Termo, no todo ou em parte, a empresas de seu grupo econômico ou terceiros. 10.7. Qualquer tolerância da AstroPay Brasil em relação a obrigações que não sejam cumpridas pelo Usuário e/ou quaisquer falhas em exigir direitos ou disposições contidas neste Contrato, serão consideradas meras liberalidades da AstroPay Brasil, não implicando em renúncia ou modificação deste Termo, que permanecerá válido, podendo a AstroPay Brasil, a qualquer momento, exercer regularmente tais direitos. 10.8. Este Termo foi firmado por meios eletrônicos disponibilizados pela AstroPay Brasil, e, portanto, o Usuário reconhece que este meio, assim como todas as suas etapas, são formas válidas de contratação e que sua identificação no momento da contratação, composta por seu nome de usuário e senha ou qualquer outro dispositivo de segurança utilizado, são prova de sua concordância com este Contrato e com o formato de contratação. Qualquer discordância relacionada a esta forma de contratação deverá ser acompanhada de prova, nos termos do artigo 10º, parágrafo segundo da Medida Provisória nº. 2.200-2/ 2001 e do artigo 225 do Código Civil. 10.9. Quaisquer dúvidas ou questões relacionadas à Conta de Pagamento, incluindo dificuldades com a utilização da Plataforma ou na realização de Transações, poderão ser dirimidas pelo Usuário através dos Canais de Atendimento da AstroPay Brasil. 11.1. O presente Termo será regido pelas leis da República Federativa do Brasil, ficando eleito o Foro Central da Comarca da Capital do Estado de São Paulo para dirimir quaisquer controvérsias relativas ao presente Instrumento, sem prejuízo do Usuário optar pelo foro de seu domicílio. --- ### Page: https://www.astropay.com/da/brazil/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: da Canonical URL: https://www.astropay.com/da/brazil/t-c-agreement-for-individuals ## Headings Structure: H1: TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO H2: Download AstroPay-appen ## Main Content: H1: TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO H2: Download AstroPay-appen Por este instrumento, a ASTRO INSTITUICAO DE PAGAMENTO LTDA., Sociedade empresária limitada, inscrita regularmente sob o CNPJ nº 34.006.497/0001-77, com sede na Avenida Brigadeiro Faria Lima, nº 4055, 4º andar, sala nº 106, Bairro Itaim Bibi, na Cidade de São Paulo/SP, sob o CEP nº 04538-133, neste ato representado por seus representantes legais nos termos dos seus atos constitutivos (“AstroPay Brasil”), e a pessoa física ou jurídica qualificada no Cadastro ("Usuário"); em conjunto, denominadas "Partes"; firmam entre si o presente TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO ("Termo"), nas seguintes cláusulas e condições: O Usuário, ao realizar, através da plataforma fornecida pela AstroPay Brasil: (i) acesso à conta de pagamento e primeira transação de pagamento e (ii) a marcação da caixa de diálogo “Li e aceito”; estará automaticamente aderindo e concordando com as cláusulas e condições deste Termo, inclusive eventuais modificações posteriores. Após a ocorrência da primeira transação de pagamento através da conta de pagamento de titularidade do Usuário, conforme aberta perante a AstroPay Brasil, ainda que não se localize o registro de log do aceite através da marcação da caixa de diálogo mencionada no item (ii) acima, serão consideradas válidas todas as condições estabelecidas neste Termo. As cláusulas e condições deste Termo poderão ser alteradas, a livre critério e a qualquer tempo, pela AstroPay Brasil, mediante comunicação ao Usuário, por escrito, se aplicável, encaminhada ao seu endereço eletrônico conforme informado no Cadastro. A permanência, pelo Usuário, na utilização dos serviços previstos neste Termo, importará em aceitação tácita, nos termos do art. 111 do Código Civil, com as alterações promovidas no Termo. Caso o Usuário não concorde com qualquer modificação promovida no Termo, poderá promover o encerramento da conta de pagamento, imediatamente, mediante solicitação através dos Canais de Atendimento, sem incidência de qualquer ônus e penalidades para as Partes. Para a sua comodidade, a data incluída no rodapé desta página é a data da última revisão deste Termo. Em caso de dúvidas, contate a AstroPay Brasil por meio dos seguintes Canais de Atendimento: support@astropay.com 1.1. Todos os termos iniciados em maiúscula neste Termo terão os seguintes significados: “Aplicativo” significa o aplicativo digital disponibilizado pela AstroPay Brasil ao Usuário, inclusive para acesso à Conta de Pagamentos, consulta e/ou solicitação de Serviços. “AstroPay Global” são as sociedades devidamente constituídas e existentes de acordo com as leis da  Inglaterra e no País de Gales, com o número de empresa OC346322, com sede na 4 King’s Bench Walk, Temple, EC4Y 7DL, Londres, EC4Y 7DL, Reino Unido, da Ilha de Man, com número de empresa 135497C e 135889C, com sede na 18-20 North Quay, Douglas, ofertante de serviços de conta de pagamento no exterior. “Bandeira” significa a empresa instituidora do arranjo de pagamento responsável por estabelecer um conjunto de regras e procedimentos que regem as relações entre credenciadores, emissores e Usuários do Cartão, o que permite que seu Cartão seja aceito como instrumento de pagamento. “BCB” significa Banco Central do Brasil. “Bloqueio Cautelar” significa mecanismo de prevenção à fraude implementado pelo BCB através do Regulamento do Pix, que permite o bloqueio preventivo dos recursos oriundo de Transação em que a instituição participante do Pix atrelada ao recebedor da Transação pode realizar para verificar a existência de fundada suspeita de fraude. “Cadastro” significa o procedimento de preenchimento de determinadas informações, as quais são obrigatoriamente requeridas ao Usuário na Plataforma, para fins de sua devida identificação. “Canais de Atendimento” canal de comunicação entre o Usuário e a AstroPay Brasil, qual seja: support@astropay.com "Cartão" instrumento de pagamento, pré-pago ou pós-pago, utilizado para realização de compras de bens ou serviços, aceitos pela AstroPay Brasil. "Chave Pix" significa informação relacionada ao Usuário que permite o recebimento de Transação Pix. "COAF" significa Conselho de Controle de Atividade Financeira. "Conta de Pagamento" significa a conta de pagamento de titularidade do Usuário, aberta e mantida perante a AstroPay Brasil, que permite a realização de Transações com base em recursos previamente aportados. "Dias Úteis" significa os dias que não se encontram na lista de “feriados federais e bancários”, de acordo com o calendário disponibilizado pela Federação Brasileira de Bancos (Febraban). "Dispositivos" significa smartphones, tablets, entre outros equipamentos que possibilitam a instalação e utilização de aplicativos. "Disputas" significa o processo de contestação de Transações efetuadas mediante Cartão perante a Bandeira, conforme determinado pela Bandeira através de seu regulamento próprio. “Estabelecimento": significa toda a Pessoa Jurídica, devidamente constituída de acordo com a legislação vigente do Brasil, a qual está credenciada para aceitar o recebimento de valores através de Transações realizadas pelo Usuário. "Funcionalidades" significa todos os serviços disponibilizados na Conta de Pagamento que permitam ao Usuário efetuar diferentes tipos de Transações. "MED" significa Mecanismo Especial de Devolução, mecanismo implementado pelo BCB através do Regulamento do Pix que permite a tentativa de devolução de recursos que tenham sido objeto de Transação com fundada suspeita de fraude ou de falha nos sistemas das instituições de pagamento ou financeiras participantes do Pix. “Merchant” significa toda Pessoa Jurídica devidamente constituída de acordo com a legislação vigente do Brasil, a qual está autorizada a vender produtos e serviços e para a qual a AstroPay Brasil presta serviços de intermediação de pagamento. "Plataforma" significa todas as páginas eletrônicas disponibilizadas pela AstroPay Brasil ao Usuário, inclusive Aplicativo, para acesso à Conta de Pagamentos e para acesso, consulta e/ou solicitação de outros serviços ofertados pela AstroPay Brasil. "Senha" significa o código composto de números para assinatura eletrônica, pessoal, intransferível e confidencial, cuja utilização e divulgação são de única e exclusiva responsabilidade do Usuário. "Serviços" significa os serviços prestados pela AstroPay Brasil ao Usuário, voltados ao fornecimento da Conta de Pagamento. "Transação" significa toda e qualquer transação de pagamento, de envio ou recebimento de recursos, que possa ser efetuada através da Conta de Pagamento. 2.1. A adesão do Usuário a este Termo dar-se-á mediante aceite de forma eletrônica, bem como dos Termos de Uso do e Política de Privacidade da Plataforma. 2.2. A utilização da Conta de Pagamento pelo Usuário, através da realização de qualquer Transação, pressupõe e confirma a ciência e aceitação deste em relação às condições do Termo, as quais regulamentarão a relação entre o Usuário e a AstroPay Brasil. 2.2.1. Ao aceitar o presente Termo, o Usuário declara ter lido e concordado com as condições da Política de Privacidade da Plataforma e do Aplicativo em sua integralidade, assim como, ser pessoa física ou representante de pessoa jurídica, plenamente capaz e maior de 18 (dezoito) anos ou emancipado, com poderes para celebrar contratos e realizar operações financeiras, ou ainda, menor de 18 (dezoito) anos, devidamente representado pelo seu representante legal. 2.3. Após realizado o Cadastro no Aplicativo e/ou na Plataforma, o qual deverá ser aprovado pela AstroPay Brasil, o Usuário poderá requerer a abertura de Conta de Pagamento, o que será feito diretamente por meio da Plataforma, Aplicativo e/ou dos demais Canais de Atendimento. 2.4. Caso entenda necessário e/ou pertinente para fins de aprovação ou revisão do Cadastro do Usuário, a AstroPay Brasil poderá, a seu exclusivo critério, solicitar dados pessoais e/ou documentos adicionais do Usuário a qualquer momento. A recusa em enviar o material solicitado garantirá a AstroPay Brasil o direito de indeferir, suspender ou cancelar o Cadastro do Usuário, assim como, a encerrar a Conta de Pagamento do Usuário caso esta já esteja aberta, a seu exclusivo critério, não cabendo ao Usuário, por essa razão, qualquer tipo de indenização ou ressarcimento. 2.4.1. O Usuário declara que todas as informações e dados por ele fornecidos são verdadeiros, válidos e atualizados, o que independe de eventual controle e verificação que poderá ser realizado pela AstroPay Brasil, em aderência com as regras pertinentes, sobretudo a Circular nº 3.978/2020. 2.4.2. A AstroPay Brasil se reserva o direito de revisar, monitorar ou fiscalizar qualquer das informações, conteúdo ou dados fornecidos pelos Usuários, conforme o disposto abaixo. 2.4.3. A atualização dos dados fornecidos no Cadastro é necessária para que a AstroPay Brasil possa operacionalizar os Serviços prestados ao Usuário, bem como ofertar novos Serviços. Em razão disto, o Usuário deve manter todos os dados e informações fornecidos devidamente atualizados, sendo que quaisquer prejuízos havidos em decorrência da inclusão de informação inverídica e/ou desatualizada, será de única e exclusiva responsabilidade do Usuário. Caso ocorra quaisquer alterações em relação a estes dados, o Usuário deverá, em até 05 (cinco) dias úteis, notificar a AstroPay Brasil para que proceda à alteração do Cadastro do Usuário. 2.5. Caso o Usuário tenha idade superior ou igual a 18 (dezoito anos) e/ou seja emancipado, a AstroPay Brasil apenas aprovará a abertura da Conta de Pagamento se (i) possuir residência em território brasileiro, (ii) mantiver um cadastro ativo e válido junto à Receita Federal do Brasil e (iii) detiver um endereço de e-mail ativo e válido para contato. Informações poderão ser solicitadas ao Usuário, caso solicitado por legislação vigente. 2.5.1. Assim, poderemos, mediante exclusivo critério das AstroPay Brasil, solicitar o seu (i) nome, (ii) endereço e cópia do comprovante de residência, (iii) data de nascimento, (iv) número e cópia de seu documento de identidade, carteira de motorista ou passaporte, (v) número de CPF, (vi) número de telefone, (vii) e-mail; e (viii) outras informações que nos permitem identificá-lo. 2.6. Caso o Usuário seja menor de 18 (dezoito) anos e não seja emancipado, este deverá estar representado pelo seu Representante Legal, o qual deverá fornecer todas as informações cadastrais tanto em relação a si quanto em relação ao Usuário. 2.7. Caso a AstroPay Brasil constate a existência de informações e/ou dados pessoais incorretos, inverídicos e/ou desatualizados e não seja possível regularizar tais informações, ou ainda, caso o Usuário se negue a fornecer eventuais informações e/ou dados pessoais adicionais se e quando solicitados pela AstroPay Brasil, este poderá optar por encerrar a Conta de Pagamento do Usuário, sem prejuízo da aplicação de outras medidas que entender aplicáveis. 2.8. O Usuário autoriza a AstroPay Brasil, a qualquer tempo, de forma expressa e inequívoca, e para fins da Lei n. 12.965, de 23 de abril de 2014, da Lei n. 13.709, de 14 de agosto de 2018, da Lei Complementar n. 105, de 10 de janeiro de 2001 e das demais leis e regulamentações aplicáveis, coletar, e tratar seus dados pessoais, incluindo, sem limitação, suas informações cadastrais, bem como informações relativas a demais operações e serviços contratados com a AstroPay Brasil e/ou outras sociedades do grupo econômico, tais como informações relativas a quaisquer valores cobrados, ou, ainda, recebidos, podendo, a AstroPay Brasil compartilhar referidas informações com as demais empresas do mesmo grupo econômico, com a finalidade exclusiva de garantir a correta execução dos serviços previstos neste Termo, conforme disposto na Política de Privacidade. 2.9. O Usuário assumirá toda a responsabilidade civil e criminal perante a AstroPay Brasil pelo descumprimento das obrigações previstas neste Contrato, pela inexatidão das suas declarações e por qualquer conduta ilícita praticada, devendo indenizar a AstroPay Brasil, imediatamente, quaisquer prejuízos, despesas, incluindo honorários de advogado e custas judiciais, incorridas pela AstroPay Brasil em decorrência do ato praticado pelo Usuário. 3. DA CONTA DE PAGAMENTO 3.1. Estes Termos regulam a prestação de serviços, pela AstroPay Brasil ao Usuário, para: (i) abertura de Conta de Pagamento de titularidade do Usuário, habilitando-o a realizar Transações, e (ii) gestão e custódia de recursos mantidos na Conta de Pagamento, que podem envolver ou não a emissão de moeda eletrônica. 3.1.1. A prestação de serviços previstos pela AstroPay Brasil é efetuada através da abertura e gestão de Contas de Pagamento, de titularidade do Usuário, perante a AstroPay Brasil. 3.1.2. O Usuário poderá contratar outros serviços prestados pela AstroPay Brasil, por meio de instrumentos contratuais específicos. 3.2. Perante a Conta de Pagamento, serão disponibilizadas ao Usuário as seguintes Funcionalidades: (i) aporte, resgate e transferência de recursos, (ii) consulta ao saldo da Conta de Pagamento e extrato das Transações, (iii) serviços adicionais. 3.2.1. As Funcionalidades e/ou Serviços poderão ser realizadas através das seguintes Transações: (i) Emissão de Cartão Pré-pago; (iii) Recebimento de Pix; (iv) Agendamento de envio de Pix; (v) Geração de QR Code para recebimento de Pix; (vi) Envio de Pix através de leitura de QR Code; (vii) Emissão de cobrança única, mediante QR Code Pix; (viii) Emissão de cobrança recorrente, mediante QR Code Pix; (ix) Transferência unilateral de recursos para conta no exterior; (x) Recebimento de recursos de conta no exterior; (x) Visualização de extrato da Conta de Pagamento através da Plataforma; (xi) One Touch, funcionalidade que permite ao Usuário fazer pagamentos para determinados Merchants, diretamente da plataforma deste, via transferência; (xii) Pagamento de Boletos e Faturas; (xiii) Conta Remunerada. 3.2.1.1. Será disponibilizado ao Usuário a realização das Transações prevista no subitem (iii) para fins de aporte de recursos na Conta de Pagamento, assim como, o aporte de recursos na Conta de Pagamento, através de transferência bancária, pix e emissão de boleto. 3.2.1.2. Todos os Cartões emitidos de titularidade do Usuário estarão vinculados a única Conta de Pagamento que este detém perante a AstroPay Brasil. 3.2.1.2.2. Cada Cartão terá um número de identificação, data de validade e código de segurança particular, que poderão ser randomicamente alterados de tempos em tempos, conforme as regras de segurança da AstroPay Brasil, a depender do nível de exposição do Usuário. Toda a informação de cartão de crédito/débito é protegida de acordo com as normas PCI_DSS, onde todos os dados do titular do cartão e/ou dados sensíveis de autenticação são processados por um provedor de serviços certificado PCI DSS Nível 1. Não armazenamos, transmitimos nem processamos dados do titular do cartão e/ou dados sensíveis de autenticação, restringindo as interações apenas a informações tokenizadas. 3.2.1.2.3. O Cartão será emitido em formato pré-pago, dependendo de aporte prévio de recursos para que seja possível efetuar Transações, que poderão ser realizadas nas trilhas de débito. 3.2.1.2.4. O aporte dos recursos no Cartão se dará mediante depósito de recursos efetuados na Conta de Pagamento que o Usuário detenha na AstroPay. 3.2.1.2.5. Quando da solicitação do Cartão, o Usuário realizará o cadastramento de Senha pessoal, intransferível e confidencial através do Aplicativo, que apenas poderá ser utilizada após o desbloqueio do Cartão físico ou emissão do Cartão virtual. 3.2.1.2.6. O Usuário será o único e exclusivo responsável pela guarda e segurança do Cartão e de sua Senha, além de ser o único responsável por toda e qualquer atividade que ocorra sob o uso deste, inclusive para efeitos legais. 3.2.1.2.7. O Cartão poderá ser utilizado para compras presenciais ou virtuais, em que o pagamento e a devida confirmação de pagamento são formalizados, em compra presenciais, mediante a aproximação do Cartão físico às máquinas de pagamento fornecidas por instituição de pagamento credenciadoras ou subcredenciadores, via utilização de tecnologia contactless, ou inserção da Senha, quando assim solicitado, enquanto em compras virtuais ocorrerá mediante a informação dos dados do Cartão, físico ou virtual, no gateway de pagamento fornecido pelo Merchant a que o Usuário esteja realizando a Transação. Cada um desses atos caracteriza e deve ser interpretado como concordância do Usuário com relação a cada transação. 3.2.1.2.8. O Cartão possuirá as seguintes funcionalidades, que poderão ser efetuadas de forma presencial ou virtual: (i) Compras de bens e/ou serviços em quaisquer estabelecimentos comerciais que aceitem a referida Funcionalidade observando as condições de pagamento (à vista ou parcelado) oferecidas; e, (ii) Transações no Brasil e no exterior. 3.2.1.2.9. A AstroPay Brasil envidará os melhores esforços para entregar o Cartão no prazo máximo de 10 (dez) dias úteis , contados da data de aprovação da sua emissão, no endereço informado pelo Usuário no seu Cadastro. Na hipótese de a AstroPay Brasil não conseguir concluir a entrega em razão de erro ou inexatidão dos dados informados pelo Usuário no Cadastro, o Usuário terá 5 (cinco) dias úteis contados da comunicação da AstroPay Brasil para entrar em contato com a AstroPay Brasil, a fim de confirmar o endereço ou indicar outro endereço para entrega, sob pena de autorizar a AstroPay Brasil a destruir o Cartão emitido. Referidos prazos mencionados neste item poderão ser estendidos se verificados casos fortuitos ou de força maior (e.g. greves, pandemias, dentre outros), mediante comunicação a ser promovida pela AstroPay Brasil através dos seus canais de comunicação. 3.2.1.2.10. O Usuário deverá rejeitar o recebimento do Cartão se a embalagem que o contiver apresentar qualquer sinal de violação, devendo o ocorrido ser comunicado imediatamente ao AstroPay Brasil por meio dos Canais de Atendimento. 3.2.1.2.11. A AstroPay Brasil sempre enviará para o Usuário o Cartão físico devidamente bloqueado, de forma que ao receber o Cartão, o Usuário deverá conferir se os dados nele contidos estão corretos para então efetuar a ativação do Cartão através dos Canais de Atendimento da AstroPay Brasil, para que só então possa utilizar as funcionalidades do Cartão. 3.2.1.2.12. A partir da aprovação da emissão do Cartão virtual, este será liberado imediatamente pela AstroPay Brasil ao Usuário, através do Aplicativo. 3.2.1.2.13. O Usuário declara aceitar que em transações efetuadas no exterior a taxa de câmbio aplicada pela AstroPay Brasil, no momento da realização de uma Transação no exterior, poderá ser divergente da PTAX estabelecida pelo BCB durante uma janela de consulta, conforme aplicável. 3.2.1.2. As Transações realizadas via Pix, conforme os subitens (ii) a (vii) do item 3.2.1 acima, assim como, demais Transações realizadas via Pix, a partir da ordem do Usuário, ocorrerão de forma instantânea, de acordo com as regras e normas impostas pelo Regulamento do Pix, conforme a Resolução BCB n. 1, de 12 de agosto de 2020, estando disponível para ser realizada a qualquer hora do dia e qualquer dia da semana. 3.2.1.2.1. Para recebimento de Transações Pix, o Usuário poderá cadastrar Chave Pix, até o limite de 05 (cinco) Chaves Pix para Conta de Pagamento de Usuário pessoa física, que serão identificadas por meio de: (i) número do CPF; (ii) número do celular; (iii) endereço de e-mail; ou (iv) chave aleatória (sequência de letras e números gerados aleatoriamente pelo BCB). 3.2.1.2.2. As Chaves Pix do Usuário poderão, mediante comunicação prévia com 07 (sete) Dias Úteis de antecedência, ser portadas para conta bancária ou de pagamento que o Usuário detenha perante outra instituição de pagamento ou financeira. 3.2.1.2.3. O Usuário poderá reivindicar a posse de uma Chave Pix vinculada à conta bancária ou de pagamentos de titularidade de terceiro relativa aos itens (ii) e (iii) previstos no item 3.2.1.2.1 deste Termo, mediante a apresentação de requerimento devidamente justificado e acompanhado da documentação que comprove a legitimidade da reivindicação à AstroPay Brasil, que encaminhará ao BCB para análise. 3.2.1.3. As transações realizadas nos termos dos subitens (ix) e (x) do item 3.2.1 acima, permitem a transmissão dos recursos do Brasil para conta localizada no exterior, ou, ainda o recebimento de recursos oriundos do exterior para conta no Brasil, em moedas diferentes do Real. 3.2.1.3.1. A remessa de recursos em moeda estrangeira resultará em uma operação de câmbio, a qual, através do aceite ao presente instrumento, já será expressamente autorizada por você, nos termos da legislação vigente, sobretudo Resolução BCB nº 277 de 31/12/2022 do Banco Central do Brasil. Tal operação incorrerá em impostos específicos, como o IOF, que serão arcados pelo Usuário. 3.2.1.3.2. A remessa de recursos é realizada pela AstroPay Brasil, na qualidade de eFX e/ou por meio de parceiro comercial com licença adequada para tanto, assim, o Usuário, ao abrir uma conta na AstroPay Brasil para realizar a remessa dos recursos, estará abrindo uma conta na AstroPay Global, estando sujeito ao aceite dos Termos e Condições previstos neste link: https://astropay.com/terms-conditions/. A AstroPay Brasil poderá usar instituições financeiras nacionais e internacionais para ser a contraparte na operação de câmbio, bem como realizar determinada transição especificada pelo Usuário. Nesses casos, Astropay Brasil não se responsabiliza por atos ou falhas das instituições financeiras estrangeiras recebedoras dos valores das transações, de modo que a Astropay Brasil, em nenhuma hipótese, será responsável por eventuais atrasos, retenções e/ou cancelamentos de transferências decorrentes de atos da instituição financeira estrangeira. 3.2.1.3.3. O uso de recursos da sua conta de pagamento para a realização de transferências internacionais está limitado a US$10.000,00 (dez mil dólares dos Estados Unidos) ou o seu equivalente em outras moedas, por transação. 3.2.1.3.4. Os recursos aportados na conta de pagamento serão transferidos para a conta de mesma titularidade no exterior de forma automática, a fim de possibilitar a aquisição de serviços internacionais a estabelecimentos, Merchants vinculados ou outros Serviços que tempos em tempos podem ser oferecidos pela AstroPay Brasil, sendo que, quando necessário transacionar referidos valores no Brasil, os recursos serão repatriados de volta. 3.2.1.4. O Usuário poderá realizar Transações em Merchants credenciados pela AstroPay Brasil mediante One Touch, que importará na realização de pagamento pelo Usuário ao Merchant mediante transferência bancária, diretamente do website do Merchant. 3.2.1.4.1. Essa funcionalidade apenas poderá ser utilizada pelo Usuário caso assim esteja disponível no website de Merchants credenciados pela AstroPay Brasil. 3.2.1.5. Com vistas a garantir os cumprimentos regulatórios pela AstroPay Brasil, o saldo da Conta de titularidade do Usuário será garantido mediante aplicação em títulos públicos federais, visando a segregação de seus valores do patrimônio da AstroPay Brasil. 3.2.1.5.1. À luz da Cláusula acima, a AstroPay Brasil poderá oferecer, e o Usuário aceitar, a ativação da Conta Remunerada. 3.2.1.5.2. A ausência de ativação da Conta de Pagamento Remunerada pelo Usuário importará no não recebimento dos rendimentos oriundos da aplicação em títulos públicos federais. 3.2.1.5.3. O Usuário, neste ato, declara-se ciente de que a concessão dos rendimentos oriundos da aplicação do saldo da Conta de titularidade do Usuário é mera liberalidade da AstroPay Brasil, não havendo qualquer obrigação de concessão de tais rendimentos além dos formatos previstos neste Termo e/ou especificados pela AstroPay Brasil em documento distinto. 3.2.2. Não será permitida a realização de aporte de recursos na Conta de Pagamento pelo Usuário com dinheiro em espécie ou cheque. 3.2.3. As Transações que envolvem envio ou pagamento poderão ser realizadas livremente pelo Usuário, conforme dispõe este Termo, salvo em caso de bloqueios judiciais efetuados perante a Conta de Pagamento do Usuário, que serão imediatamente informados ao Usuário, para que este proceda com as medidas que entenda cabíveis, ou, caso a AstroPay Brasil identifique qualquer suspeita de inconsistências cadastrais, fraudes, crimes financeiros, operações fora do seu padrão de uso e/ou utilização indevida que desrespeite qualquer condição presente neste Termo, hipótese em que a movimentação Conta de Pagamento apenas será liberada mediante apresentação dos devidos esclarecimentos pelo Usuário, e, por fim, nas demais formas previstas neste Termo. 3.2.4. Os serviços adicionais mencionados no item 3.2. acima, envolvem a disponibilidade, ao Usuário, de realizar, através da Plataforma, a aquisição de serviços de Merchants vinculados à AstroPay Brasil e demais estabelecimentos comerciais. 3.3. As Transações realizadas por meio das Funcionalidades deixarão de ser acatadas pela AstroPay Brasil quando: (i) não houver recursos suficientes na Conta de Pagamento; (ii) o Usuário deixar de fornecer as informações suficientes ou fornecer informações incorretas para realização da Transação; e/ou (iii) houver indícios de fraude ou suspeita ou ato ilícito, de acordo com o previsto neste Termo e na legislação vigente. 3.4. Os serviços prestados perante a Conta de Pagamento e Funcionalidades atreladas serão integralmente prestados através de meios eletrônicos ao Usuário. 3.5. O Usuário declara-se ciente de que, em se tratando de serviços de tecnologia e que dependem de serviços prestados por terceiros, a AstroPay Brasil não poderá ser responsabilizada ou assumirá qualquer responsabilidade por falhas, erros, interrupções, mau funcionamento ou atrasos na utilização das Funcionalidades e da Conta de Pagamento, não garantindo a manutenção das Funcionalidades de forma ininterrupta, sem momentos de indisponibilidade ou lentidão. 3.6. A AstroPay Brasil também não será responsável pela: (i) intermitência ou indisponibilidade de conexão à internet adotada pelo Usuário, (ii) incapacidade técnica do dispositivo móvel ou sistema operacional, (iii) indisponibilidade do Aplicativo na loja de aplicativos utilizados pelo Usuário; e/ou (iv) atividades de pessoas não autorizadas a movimentar a Conta de Pagamento. 3.7. O Usuário será o único responsável pela segurança e confidencialidade de sua Senha e pelo uso de sua Conta de Pagamento, sendo certo que caso estas informações sejam, por qualquer motivo, extraviadas ou perdidas, o Usuário deverá informar imediatamente à AstroPay Brasil, através dos Canais de Atendimento, para solucionar as questões de acesso. 3.8. Cabe somente ao Usuário responder por quaisquer danos causados a terceiros, à Plataforma, ao Aplicativo ou à própria AstroPay Brasil, decorrentes do uso da Conta de Pagamento e das Funcionalidades disponibilizadas. 3.9. Os Usuários não devem utilizar as Funcionalidades disponibilizadas na Conta de Pagamento para quaisquer fins ou meios ilegais, difamatórios, discriminatórios, abusivos, ofensivos, obscenos, agressivos, injuriosos, vexatórios, enganosos, caluniosos, violentos, vulgares, ou de assédio, ameaça ou uso de falsa identidade, ou ainda atos ilícitos, principalmente fraude, estelionato, lavagem de dinheiro e financiamento ao terrorismo, ou seja, qualquer uso escuso que possa prejudicar a AstroPay Brasil ou terceiros. 3.9.1. Nas hipóteses em que a AstroPay Brasil verificar qualquer indício ou tentativa de fraude, estelionato, lavagem de dinheiro, ou qualquer ato ilícito além dos previstos nestes Termo, os valores das operações poderão ser bloqueados pela AstroPay Brasil, temporariamente, até que seja possível averiguar a consonância da transação com o previsto neste Termo. 3.10. Os recursos mantidos na Conta de Pagamento, salvo se expressamente pactuado de modo diverso, não sofrerão qualquer tipo de acréscimo ou alteração, tais como correção monetária e juros, assim como, não estão sujeitos a qualquer rendimento ou remuneração ao Usuário, independentemente do período que restarem aportados. 4. MED E BLOQUEIO CAUTELAR 4.1. O Usuário declara-se ciente que a AstroPay Brasil, na qualidade de participante indireto do Pix, está sujeita aos processos relativos ao MED e ao Bloqueio Cautelar, nos termos do Regulamento do Pix, disposto na Resolução BCB n. 1, de 12 de agosto de 2020. 4.2. O Usuário, quando atuar na qualidade de pagador de Transação Pix e identificar suspeita de fraude ou de falha no sistema de tecnologia da AstroPay Brasil, poderá requisitar à AstroPay Brasil a utilização do MED para tentar reaver os recursos que tenha transacionado na referida Transação. 4.2.1. A utilização do MED não garante a restituição da integralidade dos recursos pagos através de Transação Pix, de forma que a AstroPay Brasil se compromete a efetuar todas as medidas possíveis para buscar tal restituição junto à instituição financeira ou de pagamentos do recebedor. 4.2.2. A AstroPay Brasil poderá efetuar a restituição dos recursos pagos através de Transação Pix de forma parcial, mediante diversos aportes, de forma que o número de aportes dependerá do formato em que a instituição financeira ou de pagamentos do recebedor efetuará a remessa dos recursos à AstroPay Brasil. 4.2.3. O Usuário poderá requerer o cancelamento da solicitação de devolução efetuada perante o MED em até 30 (trinta) dias contados a partir da sua solicitação. 4.2.3.1. Em havendo a solicitação de cancelamento do MED pelo Usuário, este terá sua Conta de Pagamento imediatamente bloqueada, para que AstroPay Brasil retenha e restitua ao recebedor que, originalmente, havia efetuado a devolução ao Usuário, hipótese em que se aplicará o previsto no item 4.3.2 deste Termo. 4.3. Na hipótese da AstroPay Brasil identificar suspeita de fraude em Transação Pix em que o Usuário figure como recebedor, a AstroPay Brasil poderá executar o Bloqueio Cautelar, bloqueando a movimentação da Conta de Pagamento, até o limite do valor da Transação Pix, pelo prazo máximo de 72 (setenta e duas) horas, para análise de indícios que fundamentam a suspeita de fraude, devendo informar o Usuário de tal ocorrência imediatamente. 4.3.1. Concluindo haver fundada suspeita de fraude, a AstroPay Brasil executará o procedimento previsto no item 4.4 deste Termo. 4.3.2. Concluindo não haver fundada suspeita de fraude, a AstroPay Brasil realizará a liberação dos recursos bloqueados de movimentação e comunicará imediatamente o Usuário de tal resultado. 4.3.3. O previsto no item 4.3 não se aplica às Contas de Pagamento em que o Usuário seja pessoa jurídica, incluindo empresário individual. 4.4. Na hipótese da AstroPay Brasil identificar suspeita de fraude em Transação Pix em que o Usuário figure como recebedor ou sofrer falha em seus sistemas operacionais de tecnologia que impacte ou esteja relacionada à Transação Pix recebida pelo Usuário, esta poderá iniciar a devolução da Transação para restituir os recursos à instituição financeira ou de pagamento do pagador, conforme autorizado, neste ato, pelo Usuário. 4.4.1. Para garantir a execução da devolução dos valores oriundos da Transação Pix, a partir do momento da identificação do previsto no item 4.2 acima, fica desde já autorizado, que a AstroPay Brasil realize o bloqueio imediato de movimentação da Conta de Pagamento até o limite valor da Transação Pix. 4.4.2. O Usuário, possuindo saldo disponível menor que o valor da Transação Pix, terá a integralidade de seu saldo bloqueado para movimentação, assim como, pelo período de 90 (noventa) dias contados da data da Transação Pix, todos os recursos aportados na Conta de Pagamento serão imediatamente retidos para ser utilizado para a devolução dos valores oriundos da Transação Pix que tenha sido objeto do MED, até que ocorra a devolução em sua integralidade. 4.4.3. A AstroPay Brasil se compromete a informar o Usuário sempre que ocorrer o previsto no item 4.3.1. 4.4.4. O previsto no item 4.4 apenas poderá ser realizado aos Usuários pessoa física após a aplicação do Bloqueio Cautelar, conforme previsto no item 4.3 deste Termo. 4.5. Na hipótese da AstroPay  Brasil receber solicitação de devolução de Transação Pix de outra instituição financeira ou de pagamentos, em Transação em que o Usuário figure como pagador, a AstroPay Brasil irá avaliar a Transação, sendo que na hipótese de identificar fundada suspeita de fraude ou considerar legítima a ocorrência de falha nos sistemas operacionais da instituição financeira ou de pagamentos do recebedor da Transação, irá receber os recursos e aportá-los na Conta de Pagamentos do Usuário. 4.6. A AstroPay Brasil se compromete a informar o Usuário, independente da qualidade em que esteja - pagador ou recebedor - da concretização de devolução de Transação Pix realizada através do MED. 4.7. A AstroPay Brasil apenas se responsabilizará por prejuízos sofridos pelo Usuário relativo aos recursos oriundos de Transações Pix que seja oriundo de falha nos sistemas de segurança da AstroPay Brasil, caso não seja possível obter a devolução integral dos recursos da Transação Pix via MED. 4.8. CONSIDERANDO O ACIMA EXPOSTO, O USUÁRIO CONCORDA E AUTORIZA A ASTROPAY BRASIL A PROCEDER COM O PREVISTO NA CLÁUSULA 4 DESTE TERMO PARA PERFECTIBILIZAR A EXECUÇÃO DO BLOQUEIO CAUTELAR, QUANDO APLICÁVEL, E DO MED, DECLARANDO ESTAR CIENTE DA POSSIBILIDADE DE BLOQUEIO DE MOVIMENTAÇÃO DE SUA CONTA DE PAGAMENTO E RETENÇÃO DE RECURSOS PARA FINS DE DEVOLUÇÃO AO PAGADOR DA TRANSAÇÃO PIX. 5. DISPUTA E CANCELAMENTO DE TRANSAÇÕES 5.1. A AstroPay Brasil se reserva o direito de proceder com o cancelamento do processamento de Transações que representem ou possuam: (i) informações errôneas, incompletas ou imprecisas indicadas pelo Usuário para a realização da Transação; (ii) recusa pelo recebedor da Transação; (iii) irregularidades perante as disposições deste Termo; (iv) tiver sido realizada em duplicidade; ou (v) suspeita de fraude ou ato ilícito. 5.1.1. Em havendo o cancelamento do processamento da Transação pela AstroPay Brasil, esta informará o Usuário, mediante ou não apresentação do justo motivo que ensejou tal cancelamento, dentre os citados no item 5.1 acima. 5.2. O Usuário não poderá requerer o cancelamento de Transações efetuadas mediante uso da funcionalidade Pix. 5.2.1. O cancelamento de Transações Pix apenas poderá ser requerido no âmbito do MED, quando este for aplicável, nos termos da Cláusula 4 deste Termo. 5.3. Em nenhuma hipótese a AstroPay Brasil se responsabilizará pelo estorno, restituição e/ou cancelamento de Transações realizadas pelo Usuário em razão de inserção de informações errôneas de pagamento, cabendo unicamente a este verificar a exatidão das informações previamente à realização de Transação. 5.4. Todas as contestações decorrentes de quaisquer Transações realizadas através da AstroPay Brasil deverão ser dirimidas exclusivamente pelo Usuário diretamente com o terceiro envolvido no recebimento ou pagamento Transação, sendo certo que AstroPay Brasil estará isenta de qualquer responsabilidade relacionada à Transação, salvo nos casos em que o Mecanismo Especial de Devolução seja aplicável, nos termos da Cláusula 4 deste Termo, ou que a contestação seja oriunda de Transação efetuada através de Cartão, nos termos do item 5.5 deste Termo. 5.5. As contestações de Transações efetuadas através de Cartão serão recebidas pela AstroPay Brasil, que se submeterá à Disputa, conforme processo estabelecido pela Bandeira. 5.5.1. Em razão da Disputa de Transações de Cartões ser determinada pela Bandeira, a AstroPay Brasil não se responsabiliza pela tomada de decisões relativas à Disputa ou pelo seu prazo de conclusão, sendo responsável apenas pelo intercâmbio de informações entre o Usuário e a Bandeira. 5.5.2. A AstroPay Brasil se compromete a se manter à disposição para manter o Usuário informado relativo ao funcionamento da Disputa, prazos a serem cumpridos e informações a serem remetidas à Bandeira. 5.5.3. Na hipótese de decisão favorável ao Usuário na Disputa, o Usuário receberá o estorno dos recursos oriundos da Transação contestada. 5.5.4. Na hipótese de decisão desfavorável ao Usuário na Disputa, o Usuário não receberá o estorno dos recursos oriundos da Transação contestada. 6. REMUNERAÇÃO DA ASTROPAY 6.1. Exceto mediante notificação específica ao Usuário, não será devido, pelo Usuário, em favor da AstroPay Brasil, nenhum tipo de valores ou taxas em razão da utilização dos serviços previstos neste Instrumento, exceto no que tange aos serviços relacionados às operações de câmbio, previstos na cláusula 3.2.1., deste Instrumento. Nesta hipótese, será devido pelo Usuário, em favor da AstroPay Brasil, o pagamento do percentual definido em documento específico a ser informado ao Usuário. 6.2. A AstroPay Brasil poderá efetuar o reajuste ou alteração do valor das taxas ou tarifas cobradas, assim como, incluir novas taxas ou tarifas a serem cobradas perante os serviços previstos neste Termo, informando previamente o Usuário, com antecedência de 07 (sete) dias, por e-mail ou divulgação prévia na Plataforma ou Aplicativo. 6.2.1. Na hipótese de o Usuário não concordar com as novas condições de remuneração, poderá encerrar sua Conta de Pagamento, sem a incidência de quaisquer ônus ou penalidades, sendo certo que o não encerramento será interpretado como anuência com relação às novas taxas e tarifas cobradas. 6.2.2. Caso sejam criados tributos ou alteradas as condições de cálculo e/ou cobrança de tributos incidentes sobre a remuneração vigente, a AstroPay Brasil irá alterar os valores cobrados de forma a restabelecer o equilíbrio econômico-financeiro. 7. RESPONSABILIDADES DO USUÁRIO 7.1. Considerando que a Plataforma da AstroPay  Brasil  é disponibilizada através de Aplicativo, para utilização da Conta de Pagamento e suas Funcionalidades o Usuário deverá possuir Dispositivo com acesso à internet e em condições compatíveis para seu uso, sendo de exclusiva responsabilidade do Usuário a obtenção, manutenção e custeio de tal acesso e dos Dispositivos necessários, incluindo tributos, tarifas ou encargos cobrados pelos fornecedores de serviços. 7.1.1. Em nenhuma hipótese a AstroPay Brasil será responsável pela não realização da Transação em razão da incompatibilidade dos Dispositivos utilizados pelo Usuário ou pela ausência ou falha no acesso à internet. 7.2. O Usuário, neste ato, se declara ciente que a realização das Transações está sujeita a aplicação da legislação vigente, inclusive de prevenção a lavagem de dinheiro, financiamento ao terrorismo e combate à corrupção, se obrigando apenas a realizar atos lícitos durante a utilização da Conta de Pagamento. 7.3. O Usuário declara e garante que não está envolvido e não irá se envolver, direta ou indiretamente, inclusive, no caso de Usuário pessoa jurídica, por meio de seus representantes, administradores, diretores, conselheiros, sócios ou acionistas, assessores, consultores, partes relacionadas, clientes, em qualquer atividade ou prática que constitua uma infração aos termos das leis anticorrupção. 7.4. O Usuário declara e garante que, direta ou indiretamente, não irá receber, transferir, manter, usar ou esconder recursos que decorram de qualquer atividade ilícita. 7.5. O não cumprimento pelo Usuário do previsto nos itens 7.3 e 7.4 acima será considerado uma infração grave ao presente Termo e conferirá à AstroPay Brasil o direito de encerrar a Conta de Pagamento do Usuário, sem qualquer ônus ou penalidade. 7.6. O Usuário se compromete a manter os seus dados cadastrais atualizados perante a AstroPay Brasil, devendo informar imediatamente qualquer alteração nos dados informados no Cadastro, especialmente os substanciais para fins de comunicação entre a AstroPay Brasil  e o Usuário. 7.6.1. A ausência de atualização, pelo Usuário, dos dados necessários para que a AstroPay Brasil possa contatá-lo, não poderá ensejar responsabilidade à AstroPay Brasil ou invalidar quaisquer novas condições ou atualizações dos termos previsto neste instrumento. 7.7. Quanto às relações estabelecidas entre o Usuário e terceiro que ensejaram Transações, estes serão considerados os únicos e exclusivos responsáveis, não sendo cabível e/ou admitido imputar responsabilidade ou obrigações à AstroPay Brasil sobre qualquer ato ou fato relacionada à Transação, de forma que o Usuário deverá isentar a AstroPay Brasil de toda e qualquer reclamação ou litígio judicial ou extrajudicial decorrente das Transações efetuadas através da Conta de Pagamento. 7.8. O Usuário obriga-se a ressarcir a AstroPay Brasil de todos os valores comprovadamente despendidos em ações judiciais ou processos administrativos que tenham sido ajuizados contra a AstroPay Brasil em razão do descumprimento de obrigações imputáveis ao Usuário, incluindo débitos decorrentes de condenações, custas e despesas processuais, além de honorários advocatícios. 7.8.1. O Usuário autoriza, desde, já, a AstroPay Brasil a realizar o débito automático em Conta de Pagamento dos valores a serem pagos pelo Usuário para fins do ressarcimento previsto no item 7.4 acima. 8. VIGÊNCIA E ENCERRAMENTO DA CONTA DE PAGAMENTO 8.1. Este Termo terá início na data da sua adesão e vigerá por prazo indeterminado. 8.2. A AstroPay Brasil poderá alterar qualquer das condições deste Termo, o que poderá ocorrer por qualquer meio de comunicação efetiva, incluindo, mas não se limitando a notificação realizada diretamente pela Plataforma e/ou Aplicativo, envio de correspondência ou e-mail. 8.2.1. Caso o Usuário não concorde com as alterações acima mencionadas, este poderá solicitar o encerramento da sua Conta de Pagamento nos Canais de Atendimento da AstroPay Brasil, permanecendo responsável pelo pagamento das despesas efetuadas até a data do encerramento. 8.2.2. Caso o Usuário seja comunicado da alteração e não encerre a sua Conta de Pagamento, presume-se que concorda com as alterações, sendo que tais atos equivalerão à manifestação de vontade do Usuário em aceitar as novas condições do Termo. 8.3. Este Termo poderá ser terminado nas seguintes hipóteses: (i) Pelo Usuário, mediante comunicação a AstroPay Brasil por meio dos Canais de Atendimento disponibilizados, a qualquer momento e sem a necessidade de especificar o motivo. (ii) Pela AstroPay Brasil a qualquer momento, mediante aviso prévio de 15 (quinze) dias, sem a necessidade de especificar o motivo. 8.3.1. Apenas será admitida a execução do previsto no item 8.3.(i) pelo Usuário, caso este possua saldo suficiente para arcar com eventuais débitos contraídos perante a AstroPay Brasil e efetue o resgate integral dos recursos mantidos na Conta de Pagamento, conforme estabelecido no item 8.5. abaixo. 8.3.2.1. O Usuário se obriga a realizar o resgate do saldo mantido na Conta de Pagamento dentro do período de aviso prévio estabelecido pela AstroPay Brasil. 8.4. A AstroPay Brasil poderá bloquear e/ou encerrar imediatamente a Conta de Pagamento, sem aviso prévio, se ocorrer alguma das situações abaixo: (i) Omissão de qualquer informação cadastral ou falta de atualização das informações cadastrais por parte do Usuário; (ii) Fornecimento de informações falsas ou incorretas; (iii) Atrasos no pagamento dos valores devidos a AstroPay Brasil por um período maior do que 15 (quinze) dias; (iv) Suspeita de fraude ou qualquer ato ilícito realizado pelo Usuário ou por Terceiros; (v) Utilização da Conta de Pagamento para finalidade diversa da declarada; (vi) Descumprimento de qualquer das condições e/ou obrigações estabelecidas por meio deste Termo; (vii) Decretação judicial de insolvência do Usuário, ou seja, quando for reconhecido judicialmente que o Usuário não possui mais recursos para adimplir com os valores devidos à AstroPay Brasil; (viii) Se o Usuário não utilizar sua Conta de Pagamento por 6 (seis) meses consecutivos. 8.5. Para formalizar o encerramento da Conta de Pagamento, em qualquer hipótese, deverá, necessariamente, ocorrer comunicação entre as partes acerca da intenção de rescindir o presente Termo, nos termos das cláusulas 8.2., 8.3. e 8.4. acima, ficando claro, desde já, que quando do pedido de encerramento da conta, a AstroPay Brasil observará todos os procedimentos e as obrigações que lhe são atribuídas por força de Resolução BCB n.º 96/21. 8.5.1. Quando do encerramento da Conta de Pagamento, o Usuário deverá indicar conta bancária ou de pagamentos que detenha em outra instituição, para que a AstroPay Brasil realize a transferência de eventual saldo remanescente ou, alternativamente, a critério do Usuário, colocará os recursos a sua disposição para posterior retirada em espécie. 8.5.2. Em se tratando de Conta de Pagamento, de titularidade de pessoa jurídica, fica estabelecido, desde já, que a AstroPay Brasil irá suspender a autorização do respectivo representante, mandatário ou preposto para a movimentação da conta caso verifique irregularidade grave na inscrição desses agentes no CPF. 8.6. Na hipótese de encerramento imediato da Conta de Pagamento pela AstroPay Brasil, aplicar-se-ão os termos previstos nos Termos e Condições de Encerramento de Conta de Pagamento, mesmo que não seja assinado formalmente pelo Usuário, visto que é parte integrante deste Termo. 9. PROPRIEDADE INTELECTUAL 9.1. O Usuário, desde já, reconhece que é de titularidade da AstroPay Brasil toda a propriedade intelectual empregada na Plataforma, em seu website e em qualquer material criado e disponibilizado pela AstroPay Brasil, incluindo: (i) marcas, denominações sociais, nomes de serviços, slogans, trade dress, logotipos, nome de domínio da internet e outros sinais distintivos, assim como todos os pedidos, registros, extensões e renovações relacionadas; (ii) patentes, pedidos de patente e todas as renovações relacionadas, modelos de utilidade, pedidos de modelos de utilidade, certificados de adição, pedidos de certificados de adição, extensões e renovações relacionadas e registros de invenções; (iii) registros de desenhos industriais e pedidos de registros de desenho industrial, extensões e renovações relacionadas; (iv) direitos autorais, programas de computador, layouts, formas de apresentação, combinações de cores, códigos fonte e registros e pedidos de registro relacionados; e (v) segredos industriais e know-how. 9.2. Aliado ao previsto acima, o Usuário reconhece que os serviços adicionais disponibilizados na Plataforma possuem titulares específicos de propriedade intelectual, que deverão ser igualmente respeitados pelo Usuário. 9.3. O Usuário se compromete a não violar, reproduzir, imitar, total ou parcialmente, qualquer propriedade intelectual da AstroPay Brasil, bem como a não utilizar qualquer propriedade intelectual da AstroPay Brasil para quaisquer finalidades além das previstas neste Termo e permitidas por lei. 10. DISPOSIÇÕES GERAIS 10.1. O Usuário reconhece expressamente que a AstroPay Brasil poderá contatá-lo por meio telefônico, de aplicativos que permitem a troca de mensagens, áudios e vídeos pelo celular, mensagens via correio eletrônico, mensagens via SMS e via envio de mala direta, com cunho institucional, técnico, comercial e informativo, a fim de viabilizar a comunicação entre as Partes. 10.1.1. A AstroPay Brasil  não se responsabiliza por eventuais atrasos, falhas ou indisponibilidades da rede sem fio, da internet ou dos serviços prestados pelas operadoras de telefonia móvel que venham a prejudicar a transmissão das informações. 10.2. O Usuário declara e garante ter ciência de que a Plataforma e o Aplicativo estão suscetíveis a falhas, problemas de acesso decorrentes de falhas de terceiros, os quais fogem do controle da AstroPay Brasil, incluindo mas não se limitando a: (i) falhas apresentadas pelos Dispositivos utilizados pelo Usuário, independentemente da natureza ou causa do erro; (ii) falhas relacionadas à qualidade de sua conexão com a internet; (iii) falhas apresentadas por softwares ou equipamentos de terceiros; (iv) informações inexatas, incompletas e/ou desatualizadas que Você tenha fornecido; (v) insuficiência de saldo para realização de Transações; (vi) rejeição de Transações pela outra parte; e (vii) Transações solicitadas em desacordo com as regras determinadas pela AstroPay Brasil; de forma que entende e declara que a AstroPay Brasil não será responsável por quaisquer danos ou prejuízos causados ao Usuário com relação a falhas desta natureza, que fujam de seu alcance e/ou responsabilidade legal, conforme aplicável. 10.3. O Usuário é responsável pelo descumprimento das obrigações previstas neste Termo, sendo que no caso de inexatidão das suas declarações ou prática de alguma qualquer conduta ilícita, devendo indenizar a AstroPay Brasil, imediatamente, caso esta venha a sofrer quaisquer prejuízos, despesas, incluindo honorários de advogado e custas judiciais, incorridas. 10.4. A AstroPay Brasil comunicará ao BCB, ao COAF ou outros órgãos que a legislação previr, as operações que possam estar configuradas na Lei 9.613/98 (que dispõe sobre os crimes de lavagem ou ocultação de bens, direitos e valores) e demais disposições legais pertinentes à matéria. 10.5. A AstroPay Brasil declara: (i) exercer sua atividade em conformidade com a legislação vigente; e (ii) envidar esforços para não haver violação de sua segurança virtual, ressalvado, no entanto, que, a AstroPay Brasil não se responsabilizará por perdas, prejuízos ou danos resultantes da violação de sua segurança virtual por terceiros. 10.6. O Usuário entende e concorda que a Conta de Pagamento é serviço pessoal e intransferível, de forma que não poderá ceder o presente Termo, em nenhuma hipótese. A AstroPay Brasil poderá, independentemente de qualquer aviso ou notificação, a qualquer momento, ceder o presente Termo, no todo ou em parte, a empresas de seu grupo econômico ou terceiros. 10.7. Qualquer tolerância da AstroPay Brasil em relação a obrigações que não sejam cumpridas pelo Usuário e/ou quaisquer falhas em exigir direitos ou disposições contidas neste Contrato, serão consideradas meras liberalidades da AstroPay Brasil, não implicando em renúncia ou modificação deste Termo, que permanecerá válido, podendo a AstroPay Brasil, a qualquer momento, exercer regularmente tais direitos. 10.8. Este Termo foi firmado por meios eletrônicos disponibilizados pela AstroPay Brasil, e, portanto, o Usuário reconhece que este meio, assim como todas as suas etapas, são formas válidas de contratação e que sua identificação no momento da contratação, composta por seu nome de usuário e senha ou qualquer outro dispositivo de segurança utilizado, são prova de sua concordância com este Contrato e com o formato de contratação. Qualquer discordância relacionada a esta forma de contratação deverá ser acompanhada de prova, nos termos do artigo 10º, parágrafo segundo da Medida Provisória nº. 2.200-2/ 2001 e do artigo 225 do Código Civil. 10.9. Quaisquer dúvidas ou questões relacionadas à Conta de Pagamento, incluindo dificuldades com a utilização da Plataforma ou na realização de Transações, poderão ser dirimidas pelo Usuário através dos Canais de Atendimento da AstroPay Brasil. 11.1. O presente Termo será regido pelas leis da República Federativa do Brasil, ficando eleito o Foro Central da Comarca da Capital do Estado de São Paulo para dirimir quaisquer controvérsias relativas ao presente Instrumento, sem prejuízo do Usuário optar pelo foro de seu domicílio. --- ### Page: https://www.astropay.com/brazil/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: en Canonical URL: https://www.astropay.com/brazil/t-c-agreement-for-individuals ## Headings Structure: H1: TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO H2: Get the
AstroPay App ## Main Content: H1: TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO H2: Get the
AstroPay App Por este instrumento, a ASTRO INSTITUICAO DE PAGAMENTO LTDA., Sociedade empresária limitada, inscrita regularmente sob o CNPJ nº 34.006.497/0001-77, com sede na Avenida Brigadeiro Faria Lima, nº 4055, 4º andar, sala nº 106, Bairro Itaim Bibi, na Cidade de São Paulo/SP, sob o CEP nº 04538-133, neste ato representado por seus representantes legais nos termos dos seus atos constitutivos (“AstroPay Brasil”), e a pessoa física ou jurídica qualificada no Cadastro ("Usuário"); em conjunto, denominadas "Partes"; firmam entre si o presente TERMOS E CONDIÇÕES DE ABERTURA DE CONTA DE PAGAMENTO ("Termo"), nas seguintes cláusulas e condições: O Usuário, ao realizar, através da plataforma fornecida pela AstroPay Brasil: (i) acesso à conta de pagamento e primeira transação de pagamento e (ii) a marcação da caixa de diálogo “Li e aceito”; estará automaticamente aderindo e concordando com as cláusulas e condições deste Termo, inclusive eventuais modificações posteriores. Após a ocorrência da primeira transação de pagamento através da conta de pagamento de titularidade do Usuário, conforme aberta perante a AstroPay Brasil, ainda que não se localize o registro de log do aceite através da marcação da caixa de diálogo mencionada no item (ii) acima, serão consideradas válidas todas as condições estabelecidas neste Termo. As cláusulas e condições deste Termo poderão ser alteradas, a livre critério e a qualquer tempo, pela AstroPay Brasil, mediante comunicação ao Usuário, por escrito, se aplicável, encaminhada ao seu endereço eletrônico conforme informado no Cadastro. A permanência, pelo Usuário, na utilização dos serviços previstos neste Termo, importará em aceitação tácita, nos termos do art. 111 do Código Civil, com as alterações promovidas no Termo. Caso o Usuário não concorde com qualquer modificação promovida no Termo, poderá promover o encerramento da conta de pagamento, imediatamente, mediante solicitação através dos Canais de Atendimento, sem incidência de qualquer ônus e penalidades para as Partes. Para a sua comodidade, a data incluída no rodapé desta página é a data da última revisão deste Termo. Em caso de dúvidas, contate a AstroPay Brasil por meio dos seguintes Canais de Atendimento: support@astropay.com 1.1. Todos os termos iniciados em maiúscula neste Termo terão os seguintes significados: “Aplicativo” significa o aplicativo digital disponibilizado pela AstroPay Brasil ao Usuário, inclusive para acesso à Conta de Pagamentos, consulta e/ou solicitação de Serviços. “AstroPay Global” são as sociedades devidamente constituídas e existentes de acordo com as leis da  Inglaterra e no País de Gales, com o número de empresa OC346322, com sede na 4 King’s Bench Walk, Temple, EC4Y 7DL, Londres, EC4Y 7DL, Reino Unido, da Ilha de Man, com número de empresa 135497C e 135889C, com sede na 18-20 North Quay, Douglas, ofertante de serviços de conta de pagamento no exterior. “Bandeira” significa a empresa instituidora do arranjo de pagamento responsável por estabelecer um conjunto de regras e procedimentos que regem as relações entre credenciadores, emissores e Usuários do Cartão, o que permite que seu Cartão seja aceito como instrumento de pagamento. “BCB” significa Banco Central do Brasil. “Bloqueio Cautelar” significa mecanismo de prevenção à fraude implementado pelo BCB através do Regulamento do Pix, que permite o bloqueio preventivo dos recursos oriundo de Transação em que a instituição participante do Pix atrelada ao recebedor da Transação pode realizar para verificar a existência de fundada suspeita de fraude. “Cadastro” significa o procedimento de preenchimento de determinadas informações, as quais são obrigatoriamente requeridas ao Usuário na Plataforma, para fins de sua devida identificação. “Canais de Atendimento” canal de comunicação entre o Usuário e a AstroPay Brasil, qual seja: support@astropay.com "Cartão" instrumento de pagamento, pré-pago ou pós-pago, utilizado para realização de compras de bens ou serviços, aceitos pela AstroPay Brasil. "Chave Pix" significa informação relacionada ao Usuário que permite o recebimento de Transação Pix. "COAF" significa Conselho de Controle de Atividade Financeira. "Conta de Pagamento" significa a conta de pagamento de titularidade do Usuário, aberta e mantida perante a AstroPay Brasil, que permite a realização de Transações com base em recursos previamente aportados. "Dias Úteis" significa os dias que não se encontram na lista de “feriados federais e bancários”, de acordo com o calendário disponibilizado pela Federação Brasileira de Bancos (Febraban). "Dispositivos" significa smartphones, tablets, entre outros equipamentos que possibilitam a instalação e utilização de aplicativos. "Disputas" significa o processo de contestação de Transações efetuadas mediante Cartão perante a Bandeira, conforme determinado pela Bandeira através de seu regulamento próprio. “Estabelecimento": significa toda a Pessoa Jurídica, devidamente constituída de acordo com a legislação vigente do Brasil, a qual está credenciada para aceitar o recebimento de valores através de Transações realizadas pelo Usuário. "Funcionalidades" significa todos os serviços disponibilizados na Conta de Pagamento que permitam ao Usuário efetuar diferentes tipos de Transações. "MED" significa Mecanismo Especial de Devolução, mecanismo implementado pelo BCB através do Regulamento do Pix que permite a tentativa de devolução de recursos que tenham sido objeto de Transação com fundada suspeita de fraude ou de falha nos sistemas das instituições de pagamento ou financeiras participantes do Pix. “Merchant” significa toda Pessoa Jurídica devidamente constituída de acordo com a legislação vigente do Brasil, a qual está autorizada a vender produtos e serviços e para a qual a AstroPay Brasil presta serviços de intermediação de pagamento. "Plataforma" significa todas as páginas eletrônicas disponibilizadas pela AstroPay Brasil ao Usuário, inclusive Aplicativo, para acesso à Conta de Pagamentos e para acesso, consulta e/ou solicitação de outros serviços ofertados pela AstroPay Brasil. "Senha" significa o código composto de números para assinatura eletrônica, pessoal, intransferível e confidencial, cuja utilização e divulgação são de única e exclusiva responsabilidade do Usuário. "Serviços" significa os serviços prestados pela AstroPay Brasil ao Usuário, voltados ao fornecimento da Conta de Pagamento. "Transação" significa toda e qualquer transação de pagamento, de envio ou recebimento de recursos, que possa ser efetuada através da Conta de Pagamento. 2.1. A adesão do Usuário a este Termo dar-se-á mediante aceite de forma eletrônica, bem como dos Termos de Uso do e Política de Privacidade da Plataforma. 2.2. A utilização da Conta de Pagamento pelo Usuário, através da realização de qualquer Transação, pressupõe e confirma a ciência e aceitação deste em relação às condições do Termo, as quais regulamentarão a relação entre o Usuário e a AstroPay Brasil. 2.2.1. Ao aceitar o presente Termo, o Usuário declara ter lido e concordado com as condições da Política de Privacidade da Plataforma e do Aplicativo em sua integralidade, assim como, ser pessoa física ou representante de pessoa jurídica, plenamente capaz e maior de 18 (dezoito) anos ou emancipado, com poderes para celebrar contratos e realizar operações financeiras, ou ainda, menor de 18 (dezoito) anos, devidamente representado pelo seu representante legal. 2.3. Após realizado o Cadastro no Aplicativo e/ou na Plataforma, o qual deverá ser aprovado pela AstroPay Brasil, o Usuário poderá requerer a abertura de Conta de Pagamento, o que será feito diretamente por meio da Plataforma, Aplicativo e/ou dos demais Canais de Atendimento. 2.4. Caso entenda necessário e/ou pertinente para fins de aprovação ou revisão do Cadastro do Usuário, a AstroPay Brasil poderá, a seu exclusivo critério, solicitar dados pessoais e/ou documentos adicionais do Usuário a qualquer momento. A recusa em enviar o material solicitado garantirá a AstroPay Brasil o direito de indeferir, suspender ou cancelar o Cadastro do Usuário, assim como, a encerrar a Conta de Pagamento do Usuário caso esta já esteja aberta, a seu exclusivo critério, não cabendo ao Usuário, por essa razão, qualquer tipo de indenização ou ressarcimento. 2.4.1. O Usuário declara que todas as informações e dados por ele fornecidos são verdadeiros, válidos e atualizados, o que independe de eventual controle e verificação que poderá ser realizado pela AstroPay Brasil, em aderência com as regras pertinentes, sobretudo a Circular nº 3.978/2020. 2.4.2. A AstroPay Brasil se reserva o direito de revisar, monitorar ou fiscalizar qualquer das informações, conteúdo ou dados fornecidos pelos Usuários, conforme o disposto abaixo. 2.4.3. A atualização dos dados fornecidos no Cadastro é necessária para que a AstroPay Brasil possa operacionalizar os Serviços prestados ao Usuário, bem como ofertar novos Serviços. Em razão disto, o Usuário deve manter todos os dados e informações fornecidos devidamente atualizados, sendo que quaisquer prejuízos havidos em decorrência da inclusão de informação inverídica e/ou desatualizada, será de única e exclusiva responsabilidade do Usuário. Caso ocorra quaisquer alterações em relação a estes dados, o Usuário deverá, em até 05 (cinco) dias úteis, notificar a AstroPay Brasil para que proceda à alteração do Cadastro do Usuário. 2.5. Caso o Usuário tenha idade superior ou igual a 18 (dezoito anos) e/ou seja emancipado, a AstroPay Brasil apenas aprovará a abertura da Conta de Pagamento se (i) possuir residência em território brasileiro, (ii) mantiver um cadastro ativo e válido junto à Receita Federal do Brasil e (iii) detiver um endereço de e-mail ativo e válido para contato. Informações poderão ser solicitadas ao Usuário, caso solicitado por legislação vigente. 2.5.1. Assim, poderemos, mediante exclusivo critério das AstroPay Brasil, solicitar o seu (i) nome, (ii) endereço e cópia do comprovante de residência, (iii) data de nascimento, (iv) número e cópia de seu documento de identidade, carteira de motorista ou passaporte, (v) número de CPF, (vi) número de telefone, (vii) e-mail; e (viii) outras informações que nos permitem identificá-lo. 2.6. Caso o Usuário seja menor de 18 (dezoito) anos e não seja emancipado, este deverá estar representado pelo seu Representante Legal, o qual deverá fornecer todas as informações cadastrais tanto em relação a si quanto em relação ao Usuário. 2.7. Caso a AstroPay Brasil constate a existência de informações e/ou dados pessoais incorretos, inverídicos e/ou desatualizados e não seja possível regularizar tais informações, ou ainda, caso o Usuário se negue a fornecer eventuais informações e/ou dados pessoais adicionais se e quando solicitados pela AstroPay Brasil, este poderá optar por encerrar a Conta de Pagamento do Usuário, sem prejuízo da aplicação de outras medidas que entender aplicáveis. 2.8. O Usuário autoriza a AstroPay Brasil, a qualquer tempo, de forma expressa e inequívoca, e para fins da Lei n. 12.965, de 23 de abril de 2014, da Lei n. 13.709, de 14 de agosto de 2018, da Lei Complementar n. 105, de 10 de janeiro de 2001 e das demais leis e regulamentações aplicáveis, coletar, e tratar seus dados pessoais, incluindo, sem limitação, suas informações cadastrais, bem como informações relativas a demais operações e serviços contratados com a AstroPay Brasil e/ou outras sociedades do grupo econômico, tais como informações relativas a quaisquer valores cobrados, ou, ainda, recebidos, podendo, a AstroPay Brasil compartilhar referidas informações com as demais empresas do mesmo grupo econômico, com a finalidade exclusiva de garantir a correta execução dos serviços previstos neste Termo, conforme disposto na Política de Privacidade. 2.9. O Usuário assumirá toda a responsabilidade civil e criminal perante a AstroPay Brasil pelo descumprimento das obrigações previstas neste Contrato, pela inexatidão das suas declarações e por qualquer conduta ilícita praticada, devendo indenizar a AstroPay Brasil, imediatamente, quaisquer prejuízos, despesas, incluindo honorários de advogado e custas judiciais, incorridas pela AstroPay Brasil em decorrência do ato praticado pelo Usuário. 3. DA CONTA DE PAGAMENTO 3.1. Estes Termos regulam a prestação de serviços, pela AstroPay Brasil ao Usuário, para: (i) abertura de Conta de Pagamento de titularidade do Usuário, habilitando-o a realizar Transações, e (ii) gestão e custódia de recursos mantidos na Conta de Pagamento, que podem envolver ou não a emissão de moeda eletrônica. 3.1.1. A prestação de serviços previstos pela AstroPay Brasil é efetuada através da abertura e gestão de Contas de Pagamento, de titularidade do Usuário, perante a AstroPay Brasil. 3.1.2. O Usuário poderá contratar outros serviços prestados pela AstroPay Brasil, por meio de instrumentos contratuais específicos. 3.2. Perante a Conta de Pagamento, serão disponibilizadas ao Usuário as seguintes Funcionalidades: (i) aporte, resgate e transferência de recursos, (ii) consulta ao saldo da Conta de Pagamento e extrato das Transações, (iii) serviços adicionais. 3.2.1. As Funcionalidades e/ou Serviços poderão ser realizadas através das seguintes Transações: (i) Emissão de Cartão Pré-pago; (iii) Recebimento de Pix; (iv) Agendamento de envio de Pix; (v) Geração de QR Code para recebimento de Pix; (vi) Envio de Pix através de leitura de QR Code; (vii) Emissão de cobrança única, mediante QR Code Pix; (viii) Emissão de cobrança recorrente, mediante QR Code Pix; (ix) Transferência unilateral de recursos para conta no exterior; (x) Recebimento de recursos de conta no exterior; (x) Visualização de extrato da Conta de Pagamento através da Plataforma; (xi) One Touch, funcionalidade que permite ao Usuário fazer pagamentos para determinados Merchants, diretamente da plataforma deste, via transferência; (xii) Pagamento de Boletos e Faturas; (xiii) Conta Remunerada. 3.2.1.1. Será disponibilizado ao Usuário a realização das Transações prevista no subitem (iii) para fins de aporte de recursos na Conta de Pagamento, assim como, o aporte de recursos na Conta de Pagamento, através de transferência bancária, pix e emissão de boleto. 3.2.1.2. Todos os Cartões emitidos de titularidade do Usuário estarão vinculados a única Conta de Pagamento que este detém perante a AstroPay Brasil. 3.2.1.2.2. Cada Cartão terá um número de identificação, data de validade e código de segurança particular, que poderão ser randomicamente alterados de tempos em tempos, conforme as regras de segurança da AstroPay Brasil, a depender do nível de exposição do Usuário. Toda a informação de cartão de crédito/débito é protegida de acordo com as normas PCI_DSS, onde todos os dados do titular do cartão e/ou dados sensíveis de autenticação são processados por um provedor de serviços certificado PCI DSS Nível 1. Não armazenamos, transmitimos nem processamos dados do titular do cartão e/ou dados sensíveis de autenticação, restringindo as interações apenas a informações tokenizadas. 3.2.1.2.3. O Cartão será emitido em formato pré-pago, dependendo de aporte prévio de recursos para que seja possível efetuar Transações, que poderão ser realizadas nas trilhas de débito. 3.2.1.2.4. O aporte dos recursos no Cartão se dará mediante depósito de recursos efetuados na Conta de Pagamento que o Usuário detenha na AstroPay. 3.2.1.2.5. Quando da solicitação do Cartão, o Usuário realizará o cadastramento de Senha pessoal, intransferível e confidencial através do Aplicativo, que apenas poderá ser utilizada após o desbloqueio do Cartão físico ou emissão do Cartão virtual. 3.2.1.2.6. O Usuário será o único e exclusivo responsável pela guarda e segurança do Cartão e de sua Senha, além de ser o único responsável por toda e qualquer atividade que ocorra sob o uso deste, inclusive para efeitos legais. 3.2.1.2.7. O Cartão poderá ser utilizado para compras presenciais ou virtuais, em que o pagamento e a devida confirmação de pagamento são formalizados, em compra presenciais, mediante a aproximação do Cartão físico às máquinas de pagamento fornecidas por instituição de pagamento credenciadoras ou subcredenciadores, via utilização de tecnologia contactless, ou inserção da Senha, quando assim solicitado, enquanto em compras virtuais ocorrerá mediante a informação dos dados do Cartão, físico ou virtual, no gateway de pagamento fornecido pelo Merchant a que o Usuário esteja realizando a Transação. Cada um desses atos caracteriza e deve ser interpretado como concordância do Usuário com relação a cada transação. 3.2.1.2.8. O Cartão possuirá as seguintes funcionalidades, que poderão ser efetuadas de forma presencial ou virtual: (i) Compras de bens e/ou serviços em quaisquer estabelecimentos comerciais que aceitem a referida Funcionalidade observando as condições de pagamento (à vista ou parcelado) oferecidas; e, (ii) Transações no Brasil e no exterior. 3.2.1.2.9. A AstroPay Brasil envidará os melhores esforços para entregar o Cartão no prazo máximo de 10 (dez) dias úteis , contados da data de aprovação da sua emissão, no endereço informado pelo Usuário no seu Cadastro. Na hipótese de a AstroPay Brasil não conseguir concluir a entrega em razão de erro ou inexatidão dos dados informados pelo Usuário no Cadastro, o Usuário terá 5 (cinco) dias úteis contados da comunicação da AstroPay Brasil para entrar em contato com a AstroPay Brasil, a fim de confirmar o endereço ou indicar outro endereço para entrega, sob pena de autorizar a AstroPay Brasil a destruir o Cartão emitido. Referidos prazos mencionados neste item poderão ser estendidos se verificados casos fortuitos ou de força maior (e.g. greves, pandemias, dentre outros), mediante comunicação a ser promovida pela AstroPay Brasil através dos seus canais de comunicação. 3.2.1.2.10. O Usuário deverá rejeitar o recebimento do Cartão se a embalagem que o contiver apresentar qualquer sinal de violação, devendo o ocorrido ser comunicado imediatamente ao AstroPay Brasil por meio dos Canais de Atendimento. 3.2.1.2.11. A AstroPay Brasil sempre enviará para o Usuário o Cartão físico devidamente bloqueado, de forma que ao receber o Cartão, o Usuário deverá conferir se os dados nele contidos estão corretos para então efetuar a ativação do Cartão através dos Canais de Atendimento da AstroPay Brasil, para que só então possa utilizar as funcionalidades do Cartão. 3.2.1.2.12. A partir da aprovação da emissão do Cartão virtual, este será liberado imediatamente pela AstroPay Brasil ao Usuário, através do Aplicativo. 3.2.1.2.13. O Usuário declara aceitar que em transações efetuadas no exterior a taxa de câmbio aplicada pela AstroPay Brasil, no momento da realização de uma Transação no exterior, poderá ser divergente da PTAX estabelecida pelo BCB durante uma janela de consulta, conforme aplicável. 3.2.1.2. As Transações realizadas via Pix, conforme os subitens (ii) a (vii) do item 3.2.1 acima, assim como, demais Transações realizadas via Pix, a partir da ordem do Usuário, ocorrerão de forma instantânea, de acordo com as regras e normas impostas pelo Regulamento do Pix, conforme a Resolução BCB n. 1, de 12 de agosto de 2020, estando disponível para ser realizada a qualquer hora do dia e qualquer dia da semana. 3.2.1.2.1. Para recebimento de Transações Pix, o Usuário poderá cadastrar Chave Pix, até o limite de 05 (cinco) Chaves Pix para Conta de Pagamento de Usuário pessoa física, que serão identificadas por meio de: (i) número do CPF; (ii) número do celular; (iii) endereço de e-mail; ou (iv) chave aleatória (sequência de letras e números gerados aleatoriamente pelo BCB). 3.2.1.2.2. As Chaves Pix do Usuário poderão, mediante comunicação prévia com 07 (sete) Dias Úteis de antecedência, ser portadas para conta bancária ou de pagamento que o Usuário detenha perante outra instituição de pagamento ou financeira. 3.2.1.2.3. O Usuário poderá reivindicar a posse de uma Chave Pix vinculada à conta bancária ou de pagamentos de titularidade de terceiro relativa aos itens (ii) e (iii) previstos no item 3.2.1.2.1 deste Termo, mediante a apresentação de requerimento devidamente justificado e acompanhado da documentação que comprove a legitimidade da reivindicação à AstroPay Brasil, que encaminhará ao BCB para análise. 3.2.1.3. As transações realizadas nos termos dos subitens (ix) e (x) do item 3.2.1 acima, permitem a transmissão dos recursos do Brasil para conta localizada no exterior, ou, ainda o recebimento de recursos oriundos do exterior para conta no Brasil, em moedas diferentes do Real. 3.2.1.3.1. A remessa de recursos em moeda estrangeira resultará em uma operação de câmbio, a qual, através do aceite ao presente instrumento, já será expressamente autorizada por você, nos termos da legislação vigente, sobretudo Resolução BCB nº 277 de 31/12/2022 do Banco Central do Brasil. Tal operação incorrerá em impostos específicos, como o IOF, que serão arcados pelo Usuário. 3.2.1.3.2. A remessa de recursos é realizada pela AstroPay Brasil, na qualidade de eFX e/ou por meio de parceiro comercial com licença adequada para tanto, assim, o Usuário, ao abrir uma conta na AstroPay Brasil para realizar a remessa dos recursos, estará abrindo uma conta na AstroPay Global, estando sujeito ao aceite dos Termos e Condições previstos neste link: https://astropay.com/terms-conditions/. A AstroPay Brasil poderá usar instituições financeiras nacionais e internacionais para ser a contraparte na operação de câmbio, bem como realizar determinada transição especificada pelo Usuário. Nesses casos, Astropay Brasil não se responsabiliza por atos ou falhas das instituições financeiras estrangeiras recebedoras dos valores das transações, de modo que a Astropay Brasil, em nenhuma hipótese, será responsável por eventuais atrasos, retenções e/ou cancelamentos de transferências decorrentes de atos da instituição financeira estrangeira. 3.2.1.3.3. O uso de recursos da sua conta de pagamento para a realização de transferências internacionais está limitado a US$10.000,00 (dez mil dólares dos Estados Unidos) ou o seu equivalente em outras moedas, por transação. 3.2.1.3.4. Os recursos aportados na conta de pagamento serão transferidos para a conta de mesma titularidade no exterior de forma automática, a fim de possibilitar a aquisição de serviços internacionais a estabelecimentos, Merchants vinculados ou outros Serviços que tempos em tempos podem ser oferecidos pela AstroPay Brasil, sendo que, quando necessário transacionar referidos valores no Brasil, os recursos serão repatriados de volta. 3.2.1.4. O Usuário poderá realizar Transações em Merchants credenciados pela AstroPay Brasil mediante One Touch, que importará na realização de pagamento pelo Usuário ao Merchant mediante transferência bancária, diretamente do website do Merchant. 3.2.1.4.1. Essa funcionalidade apenas poderá ser utilizada pelo Usuário caso assim esteja disponível no website de Merchants credenciados pela AstroPay Brasil. 3.2.1.5. Com vistas a garantir os cumprimentos regulatórios pela AstroPay Brasil, o saldo da Conta de titularidade do Usuário será garantido mediante aplicação em títulos públicos federais, visando a segregação de seus valores do patrimônio da AstroPay Brasil. 3.2.1.5.1. À luz da Cláusula acima, a AstroPay Brasil poderá oferecer, e o Usuário aceitar, a ativação da Conta Remunerada. 3.2.1.5.2. A ausência de ativação da Conta de Pagamento Remunerada pelo Usuário importará no não recebimento dos rendimentos oriundos da aplicação em títulos públicos federais. 3.2.1.5.3. O Usuário, neste ato, declara-se ciente de que a concessão dos rendimentos oriundos da aplicação do saldo da Conta de titularidade do Usuário é mera liberalidade da AstroPay Brasil, não havendo qualquer obrigação de concessão de tais rendimentos além dos formatos previstos neste Termo e/ou especificados pela AstroPay Brasil em documento distinto. 3.2.2. Não será permitida a realização de aporte de recursos na Conta de Pagamento pelo Usuário com dinheiro em espécie ou cheque. 3.2.3. As Transações que envolvem envio ou pagamento poderão ser realizadas livremente pelo Usuário, conforme dispõe este Termo, salvo em caso de bloqueios judiciais efetuados perante a Conta de Pagamento do Usuário, que serão imediatamente informados ao Usuário, para que este proceda com as medidas que entenda cabíveis, ou, caso a AstroPay Brasil identifique qualquer suspeita de inconsistências cadastrais, fraudes, crimes financeiros, operações fora do seu padrão de uso e/ou utilização indevida que desrespeite qualquer condição presente neste Termo, hipótese em que a movimentação Conta de Pagamento apenas será liberada mediante apresentação dos devidos esclarecimentos pelo Usuário, e, por fim, nas demais formas previstas neste Termo. 3.2.4. Os serviços adicionais mencionados no item 3.2. acima, envolvem a disponibilidade, ao Usuário, de realizar, através da Plataforma, a aquisição de serviços de Merchants vinculados à AstroPay Brasil e demais estabelecimentos comerciais. 3.3. As Transações realizadas por meio das Funcionalidades deixarão de ser acatadas pela AstroPay Brasil quando: (i) não houver recursos suficientes na Conta de Pagamento; (ii) o Usuário deixar de fornecer as informações suficientes ou fornecer informações incorretas para realização da Transação; e/ou (iii) houver indícios de fraude ou suspeita ou ato ilícito, de acordo com o previsto neste Termo e na legislação vigente. 3.4. Os serviços prestados perante a Conta de Pagamento e Funcionalidades atreladas serão integralmente prestados através de meios eletrônicos ao Usuário. 3.5. O Usuário declara-se ciente de que, em se tratando de serviços de tecnologia e que dependem de serviços prestados por terceiros, a AstroPay Brasil não poderá ser responsabilizada ou assumirá qualquer responsabilidade por falhas, erros, interrupções, mau funcionamento ou atrasos na utilização das Funcionalidades e da Conta de Pagamento, não garantindo a manutenção das Funcionalidades de forma ininterrupta, sem momentos de indisponibilidade ou lentidão. 3.6. A AstroPay Brasil também não será responsável pela: (i) intermitência ou indisponibilidade de conexão à internet adotada pelo Usuário, (ii) incapacidade técnica do dispositivo móvel ou sistema operacional, (iii) indisponibilidade do Aplicativo na loja de aplicativos utilizados pelo Usuário; e/ou (iv) atividades de pessoas não autorizadas a movimentar a Conta de Pagamento. 3.7. O Usuário será o único responsável pela segurança e confidencialidade de sua Senha e pelo uso de sua Conta de Pagamento, sendo certo que caso estas informações sejam, por qualquer motivo, extraviadas ou perdidas, o Usuário deverá informar imediatamente à AstroPay Brasil, através dos Canais de Atendimento, para solucionar as questões de acesso. 3.8. Cabe somente ao Usuário responder por quaisquer danos causados a terceiros, à Plataforma, ao Aplicativo ou à própria AstroPay Brasil, decorrentes do uso da Conta de Pagamento e das Funcionalidades disponibilizadas. 3.9. Os Usuários não devem utilizar as Funcionalidades disponibilizadas na Conta de Pagamento para quaisquer fins ou meios ilegais, difamatórios, discriminatórios, abusivos, ofensivos, obscenos, agressivos, injuriosos, vexatórios, enganosos, caluniosos, violentos, vulgares, ou de assédio, ameaça ou uso de falsa identidade, ou ainda atos ilícitos, principalmente fraude, estelionato, lavagem de dinheiro e financiamento ao terrorismo, ou seja, qualquer uso escuso que possa prejudicar a AstroPay Brasil ou terceiros. 3.9.1. Nas hipóteses em que a AstroPay Brasil verificar qualquer indício ou tentativa de fraude, estelionato, lavagem de dinheiro, ou qualquer ato ilícito além dos previstos nestes Termo, os valores das operações poderão ser bloqueados pela AstroPay Brasil, temporariamente, até que seja possível averiguar a consonância da transação com o previsto neste Termo. 3.10. Os recursos mantidos na Conta de Pagamento, salvo se expressamente pactuado de modo diverso, não sofrerão qualquer tipo de acréscimo ou alteração, tais como correção monetária e juros, assim como, não estão sujeitos a qualquer rendimento ou remuneração ao Usuário, independentemente do período que restarem aportados. 4. MED E BLOQUEIO CAUTELAR 4.1. O Usuário declara-se ciente que a AstroPay Brasil, na qualidade de participante indireto do Pix, está sujeita aos processos relativos ao MED e ao Bloqueio Cautelar, nos termos do Regulamento do Pix, disposto na Resolução BCB n. 1, de 12 de agosto de 2020. 4.2. O Usuário, quando atuar na qualidade de pagador de Transação Pix e identificar suspeita de fraude ou de falha no sistema de tecnologia da AstroPay Brasil, poderá requisitar à AstroPay Brasil a utilização do MED para tentar reaver os recursos que tenha transacionado na referida Transação. 4.2.1. A utilização do MED não garante a restituição da integralidade dos recursos pagos através de Transação Pix, de forma que a AstroPay Brasil se compromete a efetuar todas as medidas possíveis para buscar tal restituição junto à instituição financeira ou de pagamentos do recebedor. 4.2.2. A AstroPay Brasil poderá efetuar a restituição dos recursos pagos através de Transação Pix de forma parcial, mediante diversos aportes, de forma que o número de aportes dependerá do formato em que a instituição financeira ou de pagamentos do recebedor efetuará a remessa dos recursos à AstroPay Brasil. 4.2.3. O Usuário poderá requerer o cancelamento da solicitação de devolução efetuada perante o MED em até 30 (trinta) dias contados a partir da sua solicitação. 4.2.3.1. Em havendo a solicitação de cancelamento do MED pelo Usuário, este terá sua Conta de Pagamento imediatamente bloqueada, para que AstroPay Brasil retenha e restitua ao recebedor que, originalmente, havia efetuado a devolução ao Usuário, hipótese em que se aplicará o previsto no item 4.3.2 deste Termo. 4.3. Na hipótese da AstroPay Brasil identificar suspeita de fraude em Transação Pix em que o Usuário figure como recebedor, a AstroPay Brasil poderá executar o Bloqueio Cautelar, bloqueando a movimentação da Conta de Pagamento, até o limite do valor da Transação Pix, pelo prazo máximo de 72 (setenta e duas) horas, para análise de indícios que fundamentam a suspeita de fraude, devendo informar o Usuário de tal ocorrência imediatamente. 4.3.1. Concluindo haver fundada suspeita de fraude, a AstroPay Brasil executará o procedimento previsto no item 4.4 deste Termo. 4.3.2. Concluindo não haver fundada suspeita de fraude, a AstroPay Brasil realizará a liberação dos recursos bloqueados de movimentação e comunicará imediatamente o Usuário de tal resultado. 4.3.3. O previsto no item 4.3 não se aplica às Contas de Pagamento em que o Usuário seja pessoa jurídica, incluindo empresário individual. 4.4. Na hipótese da AstroPay Brasil identificar suspeita de fraude em Transação Pix em que o Usuário figure como recebedor ou sofrer falha em seus sistemas operacionais de tecnologia que impacte ou esteja relacionada à Transação Pix recebida pelo Usuário, esta poderá iniciar a devolução da Transação para restituir os recursos à instituição financeira ou de pagamento do pagador, conforme autorizado, neste ato, pelo Usuário. 4.4.1. Para garantir a execução da devolução dos valores oriundos da Transação Pix, a partir do momento da identificação do previsto no item 4.2 acima, fica desde já autorizado, que a AstroPay Brasil realize o bloqueio imediato de movimentação da Conta de Pagamento até o limite valor da Transação Pix. 4.4.2. O Usuário, possuindo saldo disponível menor que o valor da Transação Pix, terá a integralidade de seu saldo bloqueado para movimentação, assim como, pelo período de 90 (noventa) dias contados da data da Transação Pix, todos os recursos aportados na Conta de Pagamento serão imediatamente retidos para ser utilizado para a devolução dos valores oriundos da Transação Pix que tenha sido objeto do MED, até que ocorra a devolução em sua integralidade. 4.4.3. A AstroPay Brasil se compromete a informar o Usuário sempre que ocorrer o previsto no item 4.3.1. 4.4.4. O previsto no item 4.4 apenas poderá ser realizado aos Usuários pessoa física após a aplicação do Bloqueio Cautelar, conforme previsto no item 4.3 deste Termo. 4.5. Na hipótese da AstroPay  Brasil receber solicitação de devolução de Transação Pix de outra instituição financeira ou de pagamentos, em Transação em que o Usuário figure como pagador, a AstroPay Brasil irá avaliar a Transação, sendo que na hipótese de identificar fundada suspeita de fraude ou considerar legítima a ocorrência de falha nos sistemas operacionais da instituição financeira ou de pagamentos do recebedor da Transação, irá receber os recursos e aportá-los na Conta de Pagamentos do Usuário. 4.6. A AstroPay Brasil se compromete a informar o Usuário, independente da qualidade em que esteja - pagador ou recebedor - da concretização de devolução de Transação Pix realizada através do MED. 4.7. A AstroPay Brasil apenas se responsabilizará por prejuízos sofridos pelo Usuário relativo aos recursos oriundos de Transações Pix que seja oriundo de falha nos sistemas de segurança da AstroPay Brasil, caso não seja possível obter a devolução integral dos recursos da Transação Pix via MED. 4.8. CONSIDERANDO O ACIMA EXPOSTO, O USUÁRIO CONCORDA E AUTORIZA A ASTROPAY BRASIL A PROCEDER COM O PREVISTO NA CLÁUSULA 4 DESTE TERMO PARA PERFECTIBILIZAR A EXECUÇÃO DO BLOQUEIO CAUTELAR, QUANDO APLICÁVEL, E DO MED, DECLARANDO ESTAR CIENTE DA POSSIBILIDADE DE BLOQUEIO DE MOVIMENTAÇÃO DE SUA CONTA DE PAGAMENTO E RETENÇÃO DE RECURSOS PARA FINS DE DEVOLUÇÃO AO PAGADOR DA TRANSAÇÃO PIX. 5. DISPUTA E CANCELAMENTO DE TRANSAÇÕES 5.1. A AstroPay Brasil se reserva o direito de proceder com o cancelamento do processamento de Transações que representem ou possuam: (i) informações errôneas, incompletas ou imprecisas indicadas pelo Usuário para a realização da Transação; (ii) recusa pelo recebedor da Transação; (iii) irregularidades perante as disposições deste Termo; (iv) tiver sido realizada em duplicidade; ou (v) suspeita de fraude ou ato ilícito. 5.1.1. Em havendo o cancelamento do processamento da Transação pela AstroPay Brasil, esta informará o Usuário, mediante ou não apresentação do justo motivo que ensejou tal cancelamento, dentre os citados no item 5.1 acima. 5.2. O Usuário não poderá requerer o cancelamento de Transações efetuadas mediante uso da funcionalidade Pix. 5.2.1. O cancelamento de Transações Pix apenas poderá ser requerido no âmbito do MED, quando este for aplicável, nos termos da Cláusula 4 deste Termo. 5.3. Em nenhuma hipótese a AstroPay Brasil se responsabilizará pelo estorno, restituição e/ou cancelamento de Transações realizadas pelo Usuário em razão de inserção de informações errôneas de pagamento, cabendo unicamente a este verificar a exatidão das informações previamente à realização de Transação. 5.4. Todas as contestações decorrentes de quaisquer Transações realizadas através da AstroPay Brasil deverão ser dirimidas exclusivamente pelo Usuário diretamente com o terceiro envolvido no recebimento ou pagamento Transação, sendo certo que AstroPay Brasil estará isenta de qualquer responsabilidade relacionada à Transação, salvo nos casos em que o Mecanismo Especial de Devolução seja aplicável, nos termos da Cláusula 4 deste Termo, ou que a contestação seja oriunda de Transação efetuada através de Cartão, nos termos do item 5.5 deste Termo. 5.5. As contestações de Transações efetuadas através de Cartão serão recebidas pela AstroPay Brasil, que se submeterá à Disputa, conforme processo estabelecido pela Bandeira. 5.5.1. Em razão da Disputa de Transações de Cartões ser determinada pela Bandeira, a AstroPay Brasil não se responsabiliza pela tomada de decisões relativas à Disputa ou pelo seu prazo de conclusão, sendo responsável apenas pelo intercâmbio de informações entre o Usuário e a Bandeira. 5.5.2. A AstroPay Brasil se compromete a se manter à disposição para manter o Usuário informado relativo ao funcionamento da Disputa, prazos a serem cumpridos e informações a serem remetidas à Bandeira. 5.5.3. Na hipótese de decisão favorável ao Usuário na Disputa, o Usuário receberá o estorno dos recursos oriundos da Transação contestada. 5.5.4. Na hipótese de decisão desfavorável ao Usuário na Disputa, o Usuário não receberá o estorno dos recursos oriundos da Transação contestada. 6. REMUNERAÇÃO DA ASTROPAY 6.1. Exceto mediante notificação específica ao Usuário, não será devido, pelo Usuário, em favor da AstroPay Brasil, nenhum tipo de valores ou taxas em razão da utilização dos serviços previstos neste Instrumento, exceto no que tange aos serviços relacionados às operações de câmbio, previstos na cláusula 3.2.1., deste Instrumento. Nesta hipótese, será devido pelo Usuário, em favor da AstroPay Brasil, o pagamento do percentual definido em documento específico a ser informado ao Usuário. 6.2. A AstroPay Brasil poderá efetuar o reajuste ou alteração do valor das taxas ou tarifas cobradas, assim como, incluir novas taxas ou tarifas a serem cobradas perante os serviços previstos neste Termo, informando previamente o Usuário, com antecedência de 07 (sete) dias, por e-mail ou divulgação prévia na Plataforma ou Aplicativo. 6.2.1. Na hipótese de o Usuário não concordar com as novas condições de remuneração, poderá encerrar sua Conta de Pagamento, sem a incidência de quaisquer ônus ou penalidades, sendo certo que o não encerramento será interpretado como anuência com relação às novas taxas e tarifas cobradas. 6.2.2. Caso sejam criados tributos ou alteradas as condições de cálculo e/ou cobrança de tributos incidentes sobre a remuneração vigente, a AstroPay Brasil irá alterar os valores cobrados de forma a restabelecer o equilíbrio econômico-financeiro. 7. RESPONSABILIDADES DO USUÁRIO 7.1. Considerando que a Plataforma da AstroPay  Brasil  é disponibilizada através de Aplicativo, para utilização da Conta de Pagamento e suas Funcionalidades o Usuário deverá possuir Dispositivo com acesso à internet e em condições compatíveis para seu uso, sendo de exclusiva responsabilidade do Usuário a obtenção, manutenção e custeio de tal acesso e dos Dispositivos necessários, incluindo tributos, tarifas ou encargos cobrados pelos fornecedores de serviços. 7.1.1. Em nenhuma hipótese a AstroPay Brasil será responsável pela não realização da Transação em razão da incompatibilidade dos Dispositivos utilizados pelo Usuário ou pela ausência ou falha no acesso à internet. 7.2. O Usuário, neste ato, se declara ciente que a realização das Transações está sujeita a aplicação da legislação vigente, inclusive de prevenção a lavagem de dinheiro, financiamento ao terrorismo e combate à corrupção, se obrigando apenas a realizar atos lícitos durante a utilização da Conta de Pagamento. 7.3. O Usuário declara e garante que não está envolvido e não irá se envolver, direta ou indiretamente, inclusive, no caso de Usuário pessoa jurídica, por meio de seus representantes, administradores, diretores, conselheiros, sócios ou acionistas, assessores, consultores, partes relacionadas, clientes, em qualquer atividade ou prática que constitua uma infração aos termos das leis anticorrupção. 7.4. O Usuário declara e garante que, direta ou indiretamente, não irá receber, transferir, manter, usar ou esconder recursos que decorram de qualquer atividade ilícita. 7.5. O não cumprimento pelo Usuário do previsto nos itens 7.3 e 7.4 acima será considerado uma infração grave ao presente Termo e conferirá à AstroPay Brasil o direito de encerrar a Conta de Pagamento do Usuário, sem qualquer ônus ou penalidade. 7.6. O Usuário se compromete a manter os seus dados cadastrais atualizados perante a AstroPay Brasil, devendo informar imediatamente qualquer alteração nos dados informados no Cadastro, especialmente os substanciais para fins de comunicação entre a AstroPay Brasil  e o Usuário. 7.6.1. A ausência de atualização, pelo Usuário, dos dados necessários para que a AstroPay Brasil possa contatá-lo, não poderá ensejar responsabilidade à AstroPay Brasil ou invalidar quaisquer novas condições ou atualizações dos termos previsto neste instrumento. 7.7. Quanto às relações estabelecidas entre o Usuário e terceiro que ensejaram Transações, estes serão considerados os únicos e exclusivos responsáveis, não sendo cabível e/ou admitido imputar responsabilidade ou obrigações à AstroPay Brasil sobre qualquer ato ou fato relacionada à Transação, de forma que o Usuário deverá isentar a AstroPay Brasil de toda e qualquer reclamação ou litígio judicial ou extrajudicial decorrente das Transações efetuadas através da Conta de Pagamento. 7.8. O Usuário obriga-se a ressarcir a AstroPay Brasil de todos os valores comprovadamente despendidos em ações judiciais ou processos administrativos que tenham sido ajuizados contra a AstroPay Brasil em razão do descumprimento de obrigações imputáveis ao Usuário, incluindo débitos decorrentes de condenações, custas e despesas processuais, além de honorários advocatícios. 7.8.1. O Usuário autoriza, desde, já, a AstroPay Brasil a realizar o débito automático em Conta de Pagamento dos valores a serem pagos pelo Usuário para fins do ressarcimento previsto no item 7.4 acima. 8. VIGÊNCIA E ENCERRAMENTO DA CONTA DE PAGAMENTO 8.1. Este Termo terá início na data da sua adesão e vigerá por prazo indeterminado. 8.2. A AstroPay Brasil poderá alterar qualquer das condições deste Termo, o que poderá ocorrer por qualquer meio de comunicação efetiva, incluindo, mas não se limitando a notificação realizada diretamente pela Plataforma e/ou Aplicativo, envio de correspondência ou e-mail. 8.2.1. Caso o Usuário não concorde com as alterações acima mencionadas, este poderá solicitar o encerramento da sua Conta de Pagamento nos Canais de Atendimento da AstroPay Brasil, permanecendo responsável pelo pagamento das despesas efetuadas até a data do encerramento. 8.2.2. Caso o Usuário seja comunicado da alteração e não encerre a sua Conta de Pagamento, presume-se que concorda com as alterações, sendo que tais atos equivalerão à manifestação de vontade do Usuário em aceitar as novas condições do Termo. 8.3. Este Termo poderá ser terminado nas seguintes hipóteses: (i) Pelo Usuário, mediante comunicação a AstroPay Brasil por meio dos Canais de Atendimento disponibilizados, a qualquer momento e sem a necessidade de especificar o motivo. (ii) Pela AstroPay Brasil a qualquer momento, mediante aviso prévio de 15 (quinze) dias, sem a necessidade de especificar o motivo. 8.3.1. Apenas será admitida a execução do previsto no item 8.3.(i) pelo Usuário, caso este possua saldo suficiente para arcar com eventuais débitos contraídos perante a AstroPay Brasil e efetue o resgate integral dos recursos mantidos na Conta de Pagamento, conforme estabelecido no item 8.5. abaixo. 8.3.2.1. O Usuário se obriga a realizar o resgate do saldo mantido na Conta de Pagamento dentro do período de aviso prévio estabelecido pela AstroPay Brasil. 8.4. A AstroPay Brasil poderá bloquear e/ou encerrar imediatamente a Conta de Pagamento, sem aviso prévio, se ocorrer alguma das situações abaixo: (i) Omissão de qualquer informação cadastral ou falta de atualização das informações cadastrais por parte do Usuário; (ii) Fornecimento de informações falsas ou incorretas; (iii) Atrasos no pagamento dos valores devidos a AstroPay Brasil por um período maior do que 15 (quinze) dias; (iv) Suspeita de fraude ou qualquer ato ilícito realizado pelo Usuário ou por Terceiros; (v) Utilização da Conta de Pagamento para finalidade diversa da declarada; (vi) Descumprimento de qualquer das condições e/ou obrigações estabelecidas por meio deste Termo; (vii) Decretação judicial de insolvência do Usuário, ou seja, quando for reconhecido judicialmente que o Usuário não possui mais recursos para adimplir com os valores devidos à AstroPay Brasil; (viii) Se o Usuário não utilizar sua Conta de Pagamento por 6 (seis) meses consecutivos. 8.5. Para formalizar o encerramento da Conta de Pagamento, em qualquer hipótese, deverá, necessariamente, ocorrer comunicação entre as partes acerca da intenção de rescindir o presente Termo, nos termos das cláusulas 8.2., 8.3. e 8.4. acima, ficando claro, desde já, que quando do pedido de encerramento da conta, a AstroPay Brasil observará todos os procedimentos e as obrigações que lhe são atribuídas por força de Resolução BCB n.º 96/21. 8.5.1. Quando do encerramento da Conta de Pagamento, o Usuário deverá indicar conta bancária ou de pagamentos que detenha em outra instituição, para que a AstroPay Brasil realize a transferência de eventual saldo remanescente ou, alternativamente, a critério do Usuário, colocará os recursos a sua disposição para posterior retirada em espécie. 8.5.2. Em se tratando de Conta de Pagamento, de titularidade de pessoa jurídica, fica estabelecido, desde já, que a AstroPay Brasil irá suspender a autorização do respectivo representante, mandatário ou preposto para a movimentação da conta caso verifique irregularidade grave na inscrição desses agentes no CPF. 8.6. Na hipótese de encerramento imediato da Conta de Pagamento pela AstroPay Brasil, aplicar-se-ão os termos previstos nos Termos e Condições de Encerramento de Conta de Pagamento, mesmo que não seja assinado formalmente pelo Usuário, visto que é parte integrante deste Termo. 9. PROPRIEDADE INTELECTUAL 9.1. O Usuário, desde já, reconhece que é de titularidade da AstroPay Brasil toda a propriedade intelectual empregada na Plataforma, em seu website e em qualquer material criado e disponibilizado pela AstroPay Brasil, incluindo: (i) marcas, denominações sociais, nomes de serviços, slogans, trade dress, logotipos, nome de domínio da internet e outros sinais distintivos, assim como todos os pedidos, registros, extensões e renovações relacionadas; (ii) patentes, pedidos de patente e todas as renovações relacionadas, modelos de utilidade, pedidos de modelos de utilidade, certificados de adição, pedidos de certificados de adição, extensões e renovações relacionadas e registros de invenções; (iii) registros de desenhos industriais e pedidos de registros de desenho industrial, extensões e renovações relacionadas; (iv) direitos autorais, programas de computador, layouts, formas de apresentação, combinações de cores, códigos fonte e registros e pedidos de registro relacionados; e (v) segredos industriais e know-how. 9.2. Aliado ao previsto acima, o Usuário reconhece que os serviços adicionais disponibilizados na Plataforma possuem titulares específicos de propriedade intelectual, que deverão ser igualmente respeitados pelo Usuário. 9.3. O Usuário se compromete a não violar, reproduzir, imitar, total ou parcialmente, qualquer propriedade intelectual da AstroPay Brasil, bem como a não utilizar qualquer propriedade intelectual da AstroPay Brasil para quaisquer finalidades além das previstas neste Termo e permitidas por lei. 10. DISPOSIÇÕES GERAIS 10.1. O Usuário reconhece expressamente que a AstroPay Brasil poderá contatá-lo por meio telefônico, de aplicativos que permitem a troca de mensagens, áudios e vídeos pelo celular, mensagens via correio eletrônico, mensagens via SMS e via envio de mala direta, com cunho institucional, técnico, comercial e informativo, a fim de viabilizar a comunicação entre as Partes. 10.1.1. A AstroPay Brasil  não se responsabiliza por eventuais atrasos, falhas ou indisponibilidades da rede sem fio, da internet ou dos serviços prestados pelas operadoras de telefonia móvel que venham a prejudicar a transmissão das informações. 10.2. O Usuário declara e garante ter ciência de que a Plataforma e o Aplicativo estão suscetíveis a falhas, problemas de acesso decorrentes de falhas de terceiros, os quais fogem do controle da AstroPay Brasil, incluindo mas não se limitando a: (i) falhas apresentadas pelos Dispositivos utilizados pelo Usuário, independentemente da natureza ou causa do erro; (ii) falhas relacionadas à qualidade de sua conexão com a internet; (iii) falhas apresentadas por softwares ou equipamentos de terceiros; (iv) informações inexatas, incompletas e/ou desatualizadas que Você tenha fornecido; (v) insuficiência de saldo para realização de Transações; (vi) rejeição de Transações pela outra parte; e (vii) Transações solicitadas em desacordo com as regras determinadas pela AstroPay Brasil; de forma que entende e declara que a AstroPay Brasil não será responsável por quaisquer danos ou prejuízos causados ao Usuário com relação a falhas desta natureza, que fujam de seu alcance e/ou responsabilidade legal, conforme aplicável. 10.3. O Usuário é responsável pelo descumprimento das obrigações previstas neste Termo, sendo que no caso de inexatidão das suas declarações ou prática de alguma qualquer conduta ilícita, devendo indenizar a AstroPay Brasil, imediatamente, caso esta venha a sofrer quaisquer prejuízos, despesas, incluindo honorários de advogado e custas judiciais, incorridas. 10.4. A AstroPay Brasil comunicará ao BCB, ao COAF ou outros órgãos que a legislação previr, as operações que possam estar configuradas na Lei 9.613/98 (que dispõe sobre os crimes de lavagem ou ocultação de bens, direitos e valores) e demais disposições legais pertinentes à matéria. 10.5. A AstroPay Brasil declara: (i) exercer sua atividade em conformidade com a legislação vigente; e (ii) envidar esforços para não haver violação de sua segurança virtual, ressalvado, no entanto, que, a AstroPay Brasil não se responsabilizará por perdas, prejuízos ou danos resultantes da violação de sua segurança virtual por terceiros. 10.6. O Usuário entende e concorda que a Conta de Pagamento é serviço pessoal e intransferível, de forma que não poderá ceder o presente Termo, em nenhuma hipótese. A AstroPay Brasil poderá, independentemente de qualquer aviso ou notificação, a qualquer momento, ceder o presente Termo, no todo ou em parte, a empresas de seu grupo econômico ou terceiros. 10.7. Qualquer tolerância da AstroPay Brasil em relação a obrigações que não sejam cumpridas pelo Usuário e/ou quaisquer falhas em exigir direitos ou disposições contidas neste Contrato, serão consideradas meras liberalidades da AstroPay Brasil, não implicando em renúncia ou modificação deste Termo, que permanecerá válido, podendo a AstroPay Brasil, a qualquer momento, exercer regularmente tais direitos. 10.8. Este Termo foi firmado por meios eletrônicos disponibilizados pela AstroPay Brasil, e, portanto, o Usuário reconhece que este meio, assim como todas as suas etapas, são formas válidas de contratação e que sua identificação no momento da contratação, composta por seu nome de usuário e senha ou qualquer outro dispositivo de segurança utilizado, são prova de sua concordância com este Contrato e com o formato de contratação. Qualquer discordância relacionada a esta forma de contratação deverá ser acompanhada de prova, nos termos do artigo 10º, parágrafo segundo da Medida Provisória nº. 2.200-2/ 2001 e do artigo 225 do Código Civil. 10.9. Quaisquer dúvidas ou questões relacionadas à Conta de Pagamento, incluindo dificuldades com a utilização da Plataforma ou na realização de Transações, poderão ser dirimidas pelo Usuário através dos Canais de Atendimento da AstroPay Brasil. 11.1. O presente Termo será regido pelas leis da República Federativa do Brasil, ficando eleito o Foro Central da Comarca da Capital do Estado de São Paulo para dirimir quaisquer controvérsias relativas ao presente Instrumento, sem prejuízo do Usuário optar pelo foro de seu domicílio. --- ### Page: https://www.astropay.com/es/brazil/t-c-agreement-iom Title: T&C Agreement (IOM) Language: es-AR Canonical URL: https://www.astropay.com/es/brazil/t-c-agreement-iom ## Headings Structure: H1: T&C Agreement (IOM) H2: Descarga la app de AstroPay ## Main Content: H1: T&C Agreement (IOM) H2: Descarga la app de AstroPay IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by AstroPay Global (IOM) Limited, an Isle of Man limited company with registered office at 2nd Floor, Hilary House, Prospect Hill Douglas, Isle of Man, IM1 1EQ and license number FSA 1399 (“we”, “us” “our” “AstroPay” or “Provider”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: --- ### Page: https://www.astropay.com/pt/brazil/t-c-agreement-iom Title: T&C Agreement (IOM) Language: pt-BR Canonical URL: https://www.astropay.com/pt/brazil/t-c-agreement-iom ## Headings Structure: H1: T&C Agreement (IOM) H2: Baixe o app do AstroPay ## Main Content: H1: T&C Agreement (IOM) H2: Baixe o app do AstroPay IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by AstroPay Global (IOM) Limited, an Isle of Man limited company with registered office at 2nd Floor, Hilary House, Prospect Hill Douglas, Isle of Man, IM1 1EQ and license number FSA 1399 (“we”, “us” “our” “AstroPay” or “Provider”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: --- ### Page: https://www.astropay.com/da/brazil/t-c-agreement-iom Title: T&C Agreement (IOM) Language: da Canonical URL: https://www.astropay.com/da/brazil/t-c-agreement-iom ## Headings Structure: H1: T&C Agreement (IOM) H2: Download AstroPay-appen ## Main Content: H1: T&C Agreement (IOM) H2: Download AstroPay-appen IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by AstroPay Global (IOM) Limited, an Isle of Man limited company with registered office at 2nd Floor, Hilary House, Prospect Hill Douglas, Isle of Man, IM1 1EQ and license number FSA 1399 (“we”, “us” “our” “AstroPay” or “Provider”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: --- ### Page: https://www.astropay.com/brazil/t-c-agreement-iom Title: T&C Agreement (IOM) Language: en Canonical URL: https://www.astropay.com/brazil/t-c-agreement-iom ## Headings Structure: H1: T&C Agreement (IOM) H2: Get the
AstroPay App ## Main Content: H1: T&C Agreement (IOM) H2: Get the
AstroPay App IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by AstroPay Global (IOM) Limited, an Isle of Man limited company with registered office at 2nd Floor, Hilary House, Prospect Hill Douglas, Isle of Man, IM1 1EQ and license number FSA 1399 (“we”, “us” “our” “AstroPay” or “Provider”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: --- ### Page: https://www.astropay.com/es/brazil/t-c-agreement-uk Title: T&C Agreement (UK) Language: es-AR Canonical URL: https://www.astropay.com/es/brazil/t-c-agreement-uk ## Headings Structure: H1: Merchants (IOM) Cashouts Only H2: Descarga la app de AstroPay ## Main Content: H1: Merchants (IOM) Cashouts Only H4: Information we collect H4: Information you provide to us H4: How we use information H4: Security H4: Changes to This Privacy Policy H4: Contact Us H2: Descarga la app de AstroPay Your privacy is important to us. It is our policy to respect your privacy regarding any information we may collect from you across our website and other sites we own and operate. We only collect information about you if we have a reason to do so – for example, to provide our services, to communicate with you, or to make our services better. We collect information in three ways: if and when you provide information to us, automatically through operating our services, and from outside sources. Let's go over the information that we collect. It's probably no surprise that we collect information that you provide to us directly. Here are some examples: Basic account information: We ask for basic information from you in order to set up your account. For example, we require individuals who sign up for an account to provide an email address and password. Transaction and billing information: If you buy something from us – a subscription to one of our services, for example – you will provide additional personal and payment information that is required to process the transaction and your payment, such as your name, credit card information, and contact information. We use the information we collect in various ways, including to: Provide, operate, and maintain our websiteImprove, personalize, and expand our websiteUnderstand and analyze how you use our website Develop new products, services, features, and functionality Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes We take security seriously and do what we can within commercially acceptable means to protect your personal information from loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. However, please be aware that no method of transmission over the internet, or method of electronic storage is 100% secure and we are unable to guarantee the absolute security of the personal information we have collected from you. We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at privacy@astropay.com. --- ### Page: https://www.astropay.com/pt/brazil/t-c-agreement-uk Title: T&C Agreement (UK) Language: pt-BR Canonical URL: https://www.astropay.com/pt/brazil/t-c-agreement-uk ## Headings Structure: H1: Merchants (IOM) Cashouts Only H2: Baixe o app do AstroPay ## Main Content: H1: Merchants (IOM) Cashouts Only H4: Information we collect H4: Information you provide to us H4: How we use information H4: Security H4: Changes to This Privacy Policy H4: Contact Us H2: Baixe o app do AstroPay Your privacy is important to us. It is our policy to respect your privacy regarding any information we may collect from you across our website and other sites we own and operate. We only collect information about you if we have a reason to do so – for example, to provide our services, to communicate with you, or to make our services better. We collect information in three ways: if and when you provide information to us, automatically through operating our services, and from outside sources. Let's go over the information that we collect. It's probably no surprise that we collect information that you provide to us directly. Here are some examples: Basic account information: We ask for basic information from you in order to set up your account. For example, we require individuals who sign up for an account to provide an email address and password. Transaction and billing information: If you buy something from us – a subscription to one of our services, for example – you will provide additional personal and payment information that is required to process the transaction and your payment, such as your name, credit card information, and contact information. We use the information we collect in various ways, including to: Provide, operate, and maintain our websiteImprove, personalize, and expand our websiteUnderstand and analyze how you use our website Develop new products, services, features, and functionality Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes We take security seriously and do what we can within commercially acceptable means to protect your personal information from loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. However, please be aware that no method of transmission over the internet, or method of electronic storage is 100% secure and we are unable to guarantee the absolute security of the personal information we have collected from you. We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at privacy@astropay.com. --- ### Page: https://www.astropay.com/da/brazil/t-c-agreement-uk Title: T&C Agreement (UK) Language: da Canonical URL: https://www.astropay.com/da/brazil/t-c-agreement-uk ## Headings Structure: H1: Merchants (IOM) Cashouts Only H2: Download AstroPay-appen ## Main Content: H1: Merchants (IOM) Cashouts Only H4: Information we collect H4: Information you provide to us H4: How we use information H4: Security H4: Changes to This Privacy Policy H4: Contact Us H2: Download AstroPay-appen Your privacy is important to us. It is our policy to respect your privacy regarding any information we may collect from you across our website and other sites we own and operate. We only collect information about you if we have a reason to do so – for example, to provide our services, to communicate with you, or to make our services better. We collect information in three ways: if and when you provide information to us, automatically through operating our services, and from outside sources. Let's go over the information that we collect. It's probably no surprise that we collect information that you provide to us directly. Here are some examples: Basic account information: We ask for basic information from you in order to set up your account. For example, we require individuals who sign up for an account to provide an email address and password. Transaction and billing information: If you buy something from us – a subscription to one of our services, for example – you will provide additional personal and payment information that is required to process the transaction and your payment, such as your name, credit card information, and contact information. We use the information we collect in various ways, including to: Provide, operate, and maintain our websiteImprove, personalize, and expand our websiteUnderstand and analyze how you use our website Develop new products, services, features, and functionality Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes We take security seriously and do what we can within commercially acceptable means to protect your personal information from loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. However, please be aware that no method of transmission over the internet, or method of electronic storage is 100% secure and we are unable to guarantee the absolute security of the personal information we have collected from you. We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at privacy@astropay.com. --- ### Page: https://www.astropay.com/brazil/t-c-agreement-uk Title: T&C Agreement (UK) Language: en Canonical URL: https://www.astropay.com/brazil/t-c-agreement-uk ## Headings Structure: H1: Merchants (IOM) Cashouts Only H2: Get the
AstroPay App ## Main Content: H1: Merchants (IOM) Cashouts Only H4: Information we collect H4: Information you provide to us H4: How we use information H4: Security H4: Changes to This Privacy Policy H4: Contact Us H2: Get the
AstroPay App Your privacy is important to us. It is our policy to respect your privacy regarding any information we may collect from you across our website and other sites we own and operate. We only collect information about you if we have a reason to do so – for example, to provide our services, to communicate with you, or to make our services better. We collect information in three ways: if and when you provide information to us, automatically through operating our services, and from outside sources. Let's go over the information that we collect. It's probably no surprise that we collect information that you provide to us directly. Here are some examples: Basic account information: We ask for basic information from you in order to set up your account. For example, we require individuals who sign up for an account to provide an email address and password. Transaction and billing information: If you buy something from us – a subscription to one of our services, for example – you will provide additional personal and payment information that is required to process the transaction and your payment, such as your name, credit card information, and contact information. We use the information we collect in various ways, including to: Provide, operate, and maintain our websiteImprove, personalize, and expand our websiteUnderstand and analyze how you use our website Develop new products, services, features, and functionality Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes We take security seriously and do what we can within commercially acceptable means to protect your personal information from loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. However, please be aware that no method of transmission over the internet, or method of electronic storage is 100% secure and we are unable to guarantee the absolute security of the personal information we have collected from you. We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at privacy@astropay.com. --- ### Page: https://www.astropay.com/es/brazil/pix Title: PIX Language: es-AR Canonical URL: https://www.astropay.com/es/brazil/pix ## Headings Structure: H1: TERMOS E CONDIÇÕES PARA O USO DO PIX NA ASTROPAY H2: Descarga la app de AstroPay ## Main Content: H1: TERMOS E CONDIÇÕES PARA O USO DO PIX NA ASTROPAY H2: Descarga la app de AstroPay A Astro Instituição de Pagamento Ltda., instituição de pagamento, com sede na Avenida Brigadeiro Faria Lima, nº 4055, Itaim Bibi, São Paulo/SP - CEP 04538-133, inscrita no CNPJ/MF sob o nº 34.006.497/0001-77, com base nestes Termos, disponibiliza aos seus clientes o uso do Pix. Por favor, leia atentamente os termos e condições e os outros avisos que podem aparecer em páginas relacionadas aos serviços da AstroPay (Astro Instituição de Pagamento Ltda). Ao acessar e usar Pix, você fica ciente e concorda com os termos e condições abaixo. 1.1 O que é o Pix? O Pix é o pagamento instantâneo criado pelo Banco Central do Brasil (BCB), visando ser um meio de pagamento mais seguro, prático e rápido. Com ele, o valor é imediatamente creditado, mesmo que entre instituições diferentes, a qualquer horário. 1.2 O que é a chave Pix? De acordo com o Banco Central, a chave Pix é um “apelido” usado pra identificar sua conta e pode ser: 1.2.1 A chave vincula um desses dados básicos às informações que identificam sua conta (a instituição financeira ou de pagamento, o número da agência, o número da conta e o tipo de conta). 1.2.2 Quando você cadastra uma chave Pix, a instituição verifica no Diretório de Identificadores de Contas Transacionais (DICT) se essa chave está disponível. Se estiver, o cadastro acontece. O DICT é o sistema responsável por armazenar as chaves e os dados da conta vinculada a ela. Ele é gerido pelo Banco Central. 1.2.2.1 Quando o cadastro é concluído, os dados da chave ficam disponíveis no DICT para que as instituições participantes do Pix possam consultar e enviar a transação usando essa chave Pix. 1.2.3 A AstroPay pode usar suas chaves Pix cadastradas para atualizar seus dados cadastrais e entrar em contato com você, caso necessário. 1.2.4 Cada chave Pix pode ser vinculada a uma única conta, mas você pode cadastrar até 5 chaves em uma mesma conta se for pessoa física. 1.2.5 Se, no momento do cadastro, a chave Pix já estiver cadastrada em outra conta, esse cadastro não é concluído. Porém, você pode sulicitar a portabilidade ou reinvindicação da sua chave Pix. 1.2.6 Caso a chave indicada no cadastro seja um e-mail ou telefone celular e já esteja vinculada à conta de outra pessoa ou empresa, você pode reivindicar a posse desta chave, desde que comprove que ela é sua, com uma confirmação por e-mail ou SMS. 1.2.7 Os seguintes dados serão armazenados e informados aos usuários que portarem uma ou mais chaves suas: 2. ENVIO E RECEBIMENTO DE VALORES 2.1 Para enviar valores usando o Pix, você pode informar a chave Pix de quem vai receber (CPF/CNPJ, telefone celular, e-mail ou chave aleatória), fazer a leitura do QR Code enviado por quem vai receber ou informar os dados da conta. 2.2 Da mesma forma, para receber um pagamento com o Pix, é só fornecer sua chave, o QR Code gerado no aplicativo ou os dados da sua conta a quem vai enviar o valor. 2.3 Caso seja necessário devulver um valor recebido, a devulução pode ser feita em até 80 dias a partir da data da transação, desde que os dados da conta de quem vai receber não tenham sido alterados. 3.1 É o envio de comunicações pela AstroPay quando acontece um cadastro, uma exclusão, uma portabilidade da chave Pix, um envio ou um recebimento de valores usando o Pix. As notificações podem ser enviadas no próprio canal digital, por e-mail, SMS ou Push. 4.1 Caso a chave Pix ou a conta vinculada a ela fiquem inativas por mais de 6 meses, estas poderão ser excluídas a critério da AstroPay. 4.2 A AstroPay pode excluir as chaves Pix cadastradas em caso de fraude ou tentativa de fraude. 4.3 Se a conta for encerrada, as chaves Pix ativas e seus respectivos QR Codes serão automaticamente baixados e desvinculados da conta. 5.1 O uso da marca Pix, de titularidade da AstroPay, só pode ser feito conforme orientado pelo próprio Banco Central no Regulamento do Pix, no Manual de Uso da Marca e nas demais determinações dele sobre o tema. Em caso de uso indevido, a AstroPay pode comunicar a AstroPay e este pode determinar que o uso indevido seja interrompido e até a suspensão dos serviços pela AstroPay. 5.2 Em caso de uso do Pix em atividades empresariais, é importante ressaltar que este deverá conter a mesma proporção e destaque dos demais meios de pagamento aceitos e não deverá de forma alguma veicular informação que enseje a interpretação de que este é preferido ou preterido em relação aos demais meios de pagamentos disponíveis no estabelecimento, visando a induzir a sua utilização por meio de informações que não se tratam de diferenças técnicas. 6. MED – Mecanismo Especial de Devulução: 6.1 Estou ciente de que ao receber um Pix, na qualidade de usuário recebedor do arranjo, a AstroPay poderá se utilizar do Mecanismo Especial de Devulução para devulver recursos que já tenham sido creditados em sua conta transacional. 6.2 O Mecanismo Especial de devulução de que trata o item anterior poderá ser utilizado nas hipóteses de existir fundada suspeita do uso do arranjo para a prática de fraude e naqueles em que se verificar falha operacional no sistema de tecnulogia da informação de qualquer dos participantes envulvidos na transação, o que abarca a AstroPay, na qualidade de Prestador de Serviço de Pagamento do Usuário Recebedor, e o Prestador de serviço de Pagamento do Usuário Devedor. 6.3 Estou ciente, também, de que não são objeto do mecanismo especial de devulução: 6.4 Autorizo a AstroPay, de forma irrevogável e irretratável, a debitar da minha conta transacional todo e qualquer recurso que esteja enquadrado nas hipóteses descritas no Mecanismo Especial de Devulução, estando ciente de que na hipótese de não haver recursos suficientes para a devulução do valor integral, a AstroPay poderá proceder o bloqueio dos recursos mantidos na minha conta transacional, em uma ou mais parcelas, até o atingimento do valor total da transação. 6.5 Estou ciente de que na hipótese de não concordar com o mecanismo, a AstroPay poderá, a seu critério, adotar as medidas necessárias para o encerramento da minha conta transacional. 7. BLOQUEIO CAUTELAR: 7.1 Estou ciente de que ao receber um Pix, na qualidade de usuário recebedor do arranjo, a AstroPay poderá bloquear cautelarmente os recursos oriundos dessa transação, quando houver fundada suspeita de fraude, pelo prazo máximo de 72 horas. 7.2 A AstroPay comunicará imediatamente o usuário recebedor quando da efetivação do bloqueio cautelar. 7.3 A AstroPay, após a avaliação dentro do prazo previsto no item 1, tomará as seguintes providências: 7.4 Se for constatada fundada suspeita de fraude na transação, a AstroPay devulverá os recursos ao Usuário Pagador por meio do Mecanismos Especial de Devulução. 7.5 Se não for identificado indícios de fraude, a AstroPay cessará imediatamente o bloqueio cautelar dos recursos, e comunicará prontamente o usuário recebedor. 8. PAGAMENTO INTERNACIONAL: 8.1 O débito decorrente das aquisições pelo usuário, através de compra realizada neste aplicativo móvel será objeto de transação cambial realizada por instituição autorizada pelo Banco Central. 8.2 Para possibilitar a remessa dos recursos às compras realizadas ao exterior, o usuário nomeia desde já Agente de Pagamento autorizado por este aplicativo móvel com sua bastante procuradora, com poderes especiais para, em seu nome e por sua conta, realizar operações de câmbio e contratos que se façam necessários para o sucesso desta transação, incluindo poderes para negociar prazos, taxas, repactuar taxas, ou, ainda, substabelecer em todo ou em parte o mandato outorgado. 8.3 Razão pela qual o usuário desde já reconhece e autoriza o uso dos seus dados para exclusivamente realizar e concluir as transações efetuadas e o processamento de pagamento neste aplicativo. Qualquer dúvida relacionada ao Pix pode ser resulvida pelo Cana de Atedimento da AstroPay. --- ### Page: https://www.astropay.com/pt/brazil/pix Title: PIX Language: pt-BR Canonical URL: https://www.astropay.com/pt/brazil/pix ## Headings Structure: H1: TERMOS E CONDIÇÕES PARA O USO DO PIX NA ASTROPAY H2: Baixe o app do AstroPay ## Main Content: H1: TERMOS E CONDIÇÕES PARA O USO DO PIX NA ASTROPAY H2: Baixe o app do AstroPay A Astro Instituição de Pagamento Ltda., instituição de pagamento, com sede na Avenida Brigadeiro Faria Lima, nº 4055, Itaim Bibi, São Paulo/SP - CEP 04538-133, inscrita no CNPJ/MF sob o nº 34.006.497/0001-77, com base nestes Termos, disponibiliza aos seus clientes o uso do Pix. Por favor, leia atentamente os termos e condições e os outros avisos que podem aparecer em páginas relacionadas aos serviços da AstroPay (Astro Instituição de Pagamento Ltda). Ao acessar e usar Pix, você fica ciente e concorda com os termos e condições abaixo. 1.1 O que é o Pix? O Pix é o pagamento instantâneo criado pelo Banco Central do Brasil (BCB), visando ser um meio de pagamento mais seguro, prático e rápido. Com ele, o valor é imediatamente creditado, mesmo que entre instituições diferentes, a qualquer horário. 1.2 O que é a chave Pix? De acordo com o Banco Central, a chave Pix é um “apelido” usado pra identificar sua conta e pode ser: 1.2.1 A chave vincula um desses dados básicos às informações que identificam sua conta (a instituição financeira ou de pagamento, o número da agência, o número da conta e o tipo de conta). 1.2.2 Quando você cadastra uma chave Pix, a instituição verifica no Diretório de Identificadores de Contas Transacionais (DICT) se essa chave está disponível. Se estiver, o cadastro acontece. O DICT é o sistema responsável por armazenar as chaves e os dados da conta vinculada a ela. Ele é gerido pelo Banco Central. 1.2.2.1 Quando o cadastro é concluído, os dados da chave ficam disponíveis no DICT para que as instituições participantes do Pix possam consultar e enviar a transação usando essa chave Pix. 1.2.3 A AstroPay pode usar suas chaves Pix cadastradas para atualizar seus dados cadastrais e entrar em contato com você, caso necessário. 1.2.4 Cada chave Pix pode ser vinculada a uma única conta, mas você pode cadastrar até 5 chaves em uma mesma conta se for pessoa física. 1.2.5 Se, no momento do cadastro, a chave Pix já estiver cadastrada em outra conta, esse cadastro não é concluído. Porém, você pode sulicitar a portabilidade ou reinvindicação da sua chave Pix. 1.2.6 Caso a chave indicada no cadastro seja um e-mail ou telefone celular e já esteja vinculada à conta de outra pessoa ou empresa, você pode reivindicar a posse desta chave, desde que comprove que ela é sua, com uma confirmação por e-mail ou SMS. 1.2.7 Os seguintes dados serão armazenados e informados aos usuários que portarem uma ou mais chaves suas: 2. ENVIO E RECEBIMENTO DE VALORES 2.1 Para enviar valores usando o Pix, você pode informar a chave Pix de quem vai receber (CPF/CNPJ, telefone celular, e-mail ou chave aleatória), fazer a leitura do QR Code enviado por quem vai receber ou informar os dados da conta. 2.2 Da mesma forma, para receber um pagamento com o Pix, é só fornecer sua chave, o QR Code gerado no aplicativo ou os dados da sua conta a quem vai enviar o valor. 2.3 Caso seja necessário devulver um valor recebido, a devulução pode ser feita em até 80 dias a partir da data da transação, desde que os dados da conta de quem vai receber não tenham sido alterados. 3.1 É o envio de comunicações pela AstroPay quando acontece um cadastro, uma exclusão, uma portabilidade da chave Pix, um envio ou um recebimento de valores usando o Pix. As notificações podem ser enviadas no próprio canal digital, por e-mail, SMS ou Push. 4.1 Caso a chave Pix ou a conta vinculada a ela fiquem inativas por mais de 6 meses, estas poderão ser excluídas a critério da AstroPay. 4.2 A AstroPay pode excluir as chaves Pix cadastradas em caso de fraude ou tentativa de fraude. 4.3 Se a conta for encerrada, as chaves Pix ativas e seus respectivos QR Codes serão automaticamente baixados e desvinculados da conta. 5.1 O uso da marca Pix, de titularidade da AstroPay, só pode ser feito conforme orientado pelo próprio Banco Central no Regulamento do Pix, no Manual de Uso da Marca e nas demais determinações dele sobre o tema. Em caso de uso indevido, a AstroPay pode comunicar a AstroPay e este pode determinar que o uso indevido seja interrompido e até a suspensão dos serviços pela AstroPay. 5.2 Em caso de uso do Pix em atividades empresariais, é importante ressaltar que este deverá conter a mesma proporção e destaque dos demais meios de pagamento aceitos e não deverá de forma alguma veicular informação que enseje a interpretação de que este é preferido ou preterido em relação aos demais meios de pagamentos disponíveis no estabelecimento, visando a induzir a sua utilização por meio de informações que não se tratam de diferenças técnicas. 6. MED – Mecanismo Especial de Devulução: 6.1 Estou ciente de que ao receber um Pix, na qualidade de usuário recebedor do arranjo, a AstroPay poderá se utilizar do Mecanismo Especial de Devulução para devulver recursos que já tenham sido creditados em sua conta transacional. 6.2 O Mecanismo Especial de devulução de que trata o item anterior poderá ser utilizado nas hipóteses de existir fundada suspeita do uso do arranjo para a prática de fraude e naqueles em que se verificar falha operacional no sistema de tecnulogia da informação de qualquer dos participantes envulvidos na transação, o que abarca a AstroPay, na qualidade de Prestador de Serviço de Pagamento do Usuário Recebedor, e o Prestador de serviço de Pagamento do Usuário Devedor. 6.3 Estou ciente, também, de que não são objeto do mecanismo especial de devulução: 6.4 Autorizo a AstroPay, de forma irrevogável e irretratável, a debitar da minha conta transacional todo e qualquer recurso que esteja enquadrado nas hipóteses descritas no Mecanismo Especial de Devulução, estando ciente de que na hipótese de não haver recursos suficientes para a devulução do valor integral, a AstroPay poderá proceder o bloqueio dos recursos mantidos na minha conta transacional, em uma ou mais parcelas, até o atingimento do valor total da transação. 6.5 Estou ciente de que na hipótese de não concordar com o mecanismo, a AstroPay poderá, a seu critério, adotar as medidas necessárias para o encerramento da minha conta transacional. 7. BLOQUEIO CAUTELAR: 7.1 Estou ciente de que ao receber um Pix, na qualidade de usuário recebedor do arranjo, a AstroPay poderá bloquear cautelarmente os recursos oriundos dessa transação, quando houver fundada suspeita de fraude, pelo prazo máximo de 72 horas. 7.2 A AstroPay comunicará imediatamente o usuário recebedor quando da efetivação do bloqueio cautelar. 7.3 A AstroPay, após a avaliação dentro do prazo previsto no item 1, tomará as seguintes providências: 7.4 Se for constatada fundada suspeita de fraude na transação, a AstroPay devulverá os recursos ao Usuário Pagador por meio do Mecanismos Especial de Devulução. 7.5 Se não for identificado indícios de fraude, a AstroPay cessará imediatamente o bloqueio cautelar dos recursos, e comunicará prontamente o usuário recebedor. 8. PAGAMENTO INTERNACIONAL: 8.1 O débito decorrente das aquisições pelo usuário, através de compra realizada neste aplicativo móvel será objeto de transação cambial realizada por instituição autorizada pelo Banco Central. 8.2 Para possibilitar a remessa dos recursos às compras realizadas ao exterior, o usuário nomeia desde já Agente de Pagamento autorizado por este aplicativo móvel com sua bastante procuradora, com poderes especiais para, em seu nome e por sua conta, realizar operações de câmbio e contratos que se façam necessários para o sucesso desta transação, incluindo poderes para negociar prazos, taxas, repactuar taxas, ou, ainda, substabelecer em todo ou em parte o mandato outorgado. 8.3 Razão pela qual o usuário desde já reconhece e autoriza o uso dos seus dados para exclusivamente realizar e concluir as transações efetuadas e o processamento de pagamento neste aplicativo. Qualquer dúvida relacionada ao Pix pode ser resulvida pelo Cana de Atedimento da AstroPay. --- ### Page: https://www.astropay.com/da/brazil/pix Title: PIX Language: da Canonical URL: https://www.astropay.com/da/brazil/pix ## Headings Structure: H1: TERMOS E CONDIÇÕES PARA O USO DO PIX NA ASTROPAY H2: Download AstroPay-appen ## Main Content: H1: TERMOS E CONDIÇÕES PARA O USO DO PIX NA ASTROPAY H2: Download AstroPay-appen A Astro Instituição de Pagamento Ltda., instituição de pagamento, com sede na Avenida Brigadeiro Faria Lima, nº 4055, Itaim Bibi, São Paulo/SP - CEP 04538-133, inscrita no CNPJ/MF sob o nº 34.006.497/0001-77, com base nestes Termos, disponibiliza aos seus clientes o uso do Pix. Por favor, leia atentamente os termos e condições e os outros avisos que podem aparecer em páginas relacionadas aos serviços da AstroPay (Astro Instituição de Pagamento Ltda). Ao acessar e usar Pix, você fica ciente e concorda com os termos e condições abaixo. 1.1 O que é o Pix? O Pix é o pagamento instantâneo criado pelo Banco Central do Brasil (BCB), visando ser um meio de pagamento mais seguro, prático e rápido. Com ele, o valor é imediatamente creditado, mesmo que entre instituições diferentes, a qualquer horário. 1.2 O que é a chave Pix? De acordo com o Banco Central, a chave Pix é um “apelido” usado pra identificar sua conta e pode ser: 1.2.1 A chave vincula um desses dados básicos às informações que identificam sua conta (a instituição financeira ou de pagamento, o número da agência, o número da conta e o tipo de conta). 1.2.2 Quando você cadastra uma chave Pix, a instituição verifica no Diretório de Identificadores de Contas Transacionais (DICT) se essa chave está disponível. Se estiver, o cadastro acontece. O DICT é o sistema responsável por armazenar as chaves e os dados da conta vinculada a ela. Ele é gerido pelo Banco Central. 1.2.2.1 Quando o cadastro é concluído, os dados da chave ficam disponíveis no DICT para que as instituições participantes do Pix possam consultar e enviar a transação usando essa chave Pix. 1.2.3 A AstroPay pode usar suas chaves Pix cadastradas para atualizar seus dados cadastrais e entrar em contato com você, caso necessário. 1.2.4 Cada chave Pix pode ser vinculada a uma única conta, mas você pode cadastrar até 5 chaves em uma mesma conta se for pessoa física. 1.2.5 Se, no momento do cadastro, a chave Pix já estiver cadastrada em outra conta, esse cadastro não é concluído. Porém, você pode sulicitar a portabilidade ou reinvindicação da sua chave Pix. 1.2.6 Caso a chave indicada no cadastro seja um e-mail ou telefone celular e já esteja vinculada à conta de outra pessoa ou empresa, você pode reivindicar a posse desta chave, desde que comprove que ela é sua, com uma confirmação por e-mail ou SMS. 1.2.7 Os seguintes dados serão armazenados e informados aos usuários que portarem uma ou mais chaves suas: 2. ENVIO E RECEBIMENTO DE VALORES 2.1 Para enviar valores usando o Pix, você pode informar a chave Pix de quem vai receber (CPF/CNPJ, telefone celular, e-mail ou chave aleatória), fazer a leitura do QR Code enviado por quem vai receber ou informar os dados da conta. 2.2 Da mesma forma, para receber um pagamento com o Pix, é só fornecer sua chave, o QR Code gerado no aplicativo ou os dados da sua conta a quem vai enviar o valor. 2.3 Caso seja necessário devulver um valor recebido, a devulução pode ser feita em até 80 dias a partir da data da transação, desde que os dados da conta de quem vai receber não tenham sido alterados. 3.1 É o envio de comunicações pela AstroPay quando acontece um cadastro, uma exclusão, uma portabilidade da chave Pix, um envio ou um recebimento de valores usando o Pix. As notificações podem ser enviadas no próprio canal digital, por e-mail, SMS ou Push. 4.1 Caso a chave Pix ou a conta vinculada a ela fiquem inativas por mais de 6 meses, estas poderão ser excluídas a critério da AstroPay. 4.2 A AstroPay pode excluir as chaves Pix cadastradas em caso de fraude ou tentativa de fraude. 4.3 Se a conta for encerrada, as chaves Pix ativas e seus respectivos QR Codes serão automaticamente baixados e desvinculados da conta. 5.1 O uso da marca Pix, de titularidade da AstroPay, só pode ser feito conforme orientado pelo próprio Banco Central no Regulamento do Pix, no Manual de Uso da Marca e nas demais determinações dele sobre o tema. Em caso de uso indevido, a AstroPay pode comunicar a AstroPay e este pode determinar que o uso indevido seja interrompido e até a suspensão dos serviços pela AstroPay. 5.2 Em caso de uso do Pix em atividades empresariais, é importante ressaltar que este deverá conter a mesma proporção e destaque dos demais meios de pagamento aceitos e não deverá de forma alguma veicular informação que enseje a interpretação de que este é preferido ou preterido em relação aos demais meios de pagamentos disponíveis no estabelecimento, visando a induzir a sua utilização por meio de informações que não se tratam de diferenças técnicas. 6. MED – Mecanismo Especial de Devulução: 6.1 Estou ciente de que ao receber um Pix, na qualidade de usuário recebedor do arranjo, a AstroPay poderá se utilizar do Mecanismo Especial de Devulução para devulver recursos que já tenham sido creditados em sua conta transacional. 6.2 O Mecanismo Especial de devulução de que trata o item anterior poderá ser utilizado nas hipóteses de existir fundada suspeita do uso do arranjo para a prática de fraude e naqueles em que se verificar falha operacional no sistema de tecnulogia da informação de qualquer dos participantes envulvidos na transação, o que abarca a AstroPay, na qualidade de Prestador de Serviço de Pagamento do Usuário Recebedor, e o Prestador de serviço de Pagamento do Usuário Devedor. 6.3 Estou ciente, também, de que não são objeto do mecanismo especial de devulução: 6.4 Autorizo a AstroPay, de forma irrevogável e irretratável, a debitar da minha conta transacional todo e qualquer recurso que esteja enquadrado nas hipóteses descritas no Mecanismo Especial de Devulução, estando ciente de que na hipótese de não haver recursos suficientes para a devulução do valor integral, a AstroPay poderá proceder o bloqueio dos recursos mantidos na minha conta transacional, em uma ou mais parcelas, até o atingimento do valor total da transação. 6.5 Estou ciente de que na hipótese de não concordar com o mecanismo, a AstroPay poderá, a seu critério, adotar as medidas necessárias para o encerramento da minha conta transacional. 7. BLOQUEIO CAUTELAR: 7.1 Estou ciente de que ao receber um Pix, na qualidade de usuário recebedor do arranjo, a AstroPay poderá bloquear cautelarmente os recursos oriundos dessa transação, quando houver fundada suspeita de fraude, pelo prazo máximo de 72 horas. 7.2 A AstroPay comunicará imediatamente o usuário recebedor quando da efetivação do bloqueio cautelar. 7.3 A AstroPay, após a avaliação dentro do prazo previsto no item 1, tomará as seguintes providências: 7.4 Se for constatada fundada suspeita de fraude na transação, a AstroPay devulverá os recursos ao Usuário Pagador por meio do Mecanismos Especial de Devulução. 7.5 Se não for identificado indícios de fraude, a AstroPay cessará imediatamente o bloqueio cautelar dos recursos, e comunicará prontamente o usuário recebedor. 8. PAGAMENTO INTERNACIONAL: 8.1 O débito decorrente das aquisições pelo usuário, através de compra realizada neste aplicativo móvel será objeto de transação cambial realizada por instituição autorizada pelo Banco Central. 8.2 Para possibilitar a remessa dos recursos às compras realizadas ao exterior, o usuário nomeia desde já Agente de Pagamento autorizado por este aplicativo móvel com sua bastante procuradora, com poderes especiais para, em seu nome e por sua conta, realizar operações de câmbio e contratos que se façam necessários para o sucesso desta transação, incluindo poderes para negociar prazos, taxas, repactuar taxas, ou, ainda, substabelecer em todo ou em parte o mandato outorgado. 8.3 Razão pela qual o usuário desde já reconhece e autoriza o uso dos seus dados para exclusivamente realizar e concluir as transações efetuadas e o processamento de pagamento neste aplicativo. Qualquer dúvida relacionada ao Pix pode ser resulvida pelo Cana de Atedimento da AstroPay. --- ### Page: https://www.astropay.com/brazil/pix Title: PIX Language: en Canonical URL: https://www.astropay.com/brazil/pix ## Headings Structure: H1: TERMOS E CONDIÇÕES PARA O USO DO PIX NA ASTROPAY H2: Get the
AstroPay App ## Main Content: H1: TERMOS E CONDIÇÕES PARA O USO DO PIX NA ASTROPAY H2: Get the
AstroPay App A Astro Instituição de Pagamento Ltda., instituição de pagamento, com sede na Avenida Brigadeiro Faria Lima, nº 4055, Itaim Bibi, São Paulo/SP - CEP 04538-133, inscrita no CNPJ/MF sob o nº 34.006.497/0001-77, com base nestes Termos, disponibiliza aos seus clientes o uso do Pix. Por favor, leia atentamente os termos e condições e os outros avisos que podem aparecer em páginas relacionadas aos serviços da AstroPay (Astro Instituição de Pagamento Ltda). Ao acessar e usar Pix, você fica ciente e concorda com os termos e condições abaixo. 1.1 O que é o Pix? O Pix é o pagamento instantâneo criado pelo Banco Central do Brasil (BCB), visando ser um meio de pagamento mais seguro, prático e rápido. Com ele, o valor é imediatamente creditado, mesmo que entre instituições diferentes, a qualquer horário. 1.2 O que é a chave Pix? De acordo com o Banco Central, a chave Pix é um “apelido” usado pra identificar sua conta e pode ser: 1.2.1 A chave vincula um desses dados básicos às informações que identificam sua conta (a instituição financeira ou de pagamento, o número da agência, o número da conta e o tipo de conta). 1.2.2 Quando você cadastra uma chave Pix, a instituição verifica no Diretório de Identificadores de Contas Transacionais (DICT) se essa chave está disponível. Se estiver, o cadastro acontece. O DICT é o sistema responsável por armazenar as chaves e os dados da conta vinculada a ela. Ele é gerido pelo Banco Central. 1.2.2.1 Quando o cadastro é concluído, os dados da chave ficam disponíveis no DICT para que as instituições participantes do Pix possam consultar e enviar a transação usando essa chave Pix. 1.2.3 A AstroPay pode usar suas chaves Pix cadastradas para atualizar seus dados cadastrais e entrar em contato com você, caso necessário. 1.2.4 Cada chave Pix pode ser vinculada a uma única conta, mas você pode cadastrar até 5 chaves em uma mesma conta se for pessoa física. 1.2.5 Se, no momento do cadastro, a chave Pix já estiver cadastrada em outra conta, esse cadastro não é concluído. Porém, você pode sulicitar a portabilidade ou reinvindicação da sua chave Pix. 1.2.6 Caso a chave indicada no cadastro seja um e-mail ou telefone celular e já esteja vinculada à conta de outra pessoa ou empresa, você pode reivindicar a posse desta chave, desde que comprove que ela é sua, com uma confirmação por e-mail ou SMS. 1.2.7 Os seguintes dados serão armazenados e informados aos usuários que portarem uma ou mais chaves suas: 2. ENVIO E RECEBIMENTO DE VALORES 2.1 Para enviar valores usando o Pix, você pode informar a chave Pix de quem vai receber (CPF/CNPJ, telefone celular, e-mail ou chave aleatória), fazer a leitura do QR Code enviado por quem vai receber ou informar os dados da conta. 2.2 Da mesma forma, para receber um pagamento com o Pix, é só fornecer sua chave, o QR Code gerado no aplicativo ou os dados da sua conta a quem vai enviar o valor. 2.3 Caso seja necessário devulver um valor recebido, a devulução pode ser feita em até 80 dias a partir da data da transação, desde que os dados da conta de quem vai receber não tenham sido alterados. 3.1 É o envio de comunicações pela AstroPay quando acontece um cadastro, uma exclusão, uma portabilidade da chave Pix, um envio ou um recebimento de valores usando o Pix. As notificações podem ser enviadas no próprio canal digital, por e-mail, SMS ou Push. 4.1 Caso a chave Pix ou a conta vinculada a ela fiquem inativas por mais de 6 meses, estas poderão ser excluídas a critério da AstroPay. 4.2 A AstroPay pode excluir as chaves Pix cadastradas em caso de fraude ou tentativa de fraude. 4.3 Se a conta for encerrada, as chaves Pix ativas e seus respectivos QR Codes serão automaticamente baixados e desvinculados da conta. 5.1 O uso da marca Pix, de titularidade da AstroPay, só pode ser feito conforme orientado pelo próprio Banco Central no Regulamento do Pix, no Manual de Uso da Marca e nas demais determinações dele sobre o tema. Em caso de uso indevido, a AstroPay pode comunicar a AstroPay e este pode determinar que o uso indevido seja interrompido e até a suspensão dos serviços pela AstroPay. 5.2 Em caso de uso do Pix em atividades empresariais, é importante ressaltar que este deverá conter a mesma proporção e destaque dos demais meios de pagamento aceitos e não deverá de forma alguma veicular informação que enseje a interpretação de que este é preferido ou preterido em relação aos demais meios de pagamentos disponíveis no estabelecimento, visando a induzir a sua utilização por meio de informações que não se tratam de diferenças técnicas. 6. MED – Mecanismo Especial de Devulução: 6.1 Estou ciente de que ao receber um Pix, na qualidade de usuário recebedor do arranjo, a AstroPay poderá se utilizar do Mecanismo Especial de Devulução para devulver recursos que já tenham sido creditados em sua conta transacional. 6.2 O Mecanismo Especial de devulução de que trata o item anterior poderá ser utilizado nas hipóteses de existir fundada suspeita do uso do arranjo para a prática de fraude e naqueles em que se verificar falha operacional no sistema de tecnulogia da informação de qualquer dos participantes envulvidos na transação, o que abarca a AstroPay, na qualidade de Prestador de Serviço de Pagamento do Usuário Recebedor, e o Prestador de serviço de Pagamento do Usuário Devedor. 6.3 Estou ciente, também, de que não são objeto do mecanismo especial de devulução: 6.4 Autorizo a AstroPay, de forma irrevogável e irretratável, a debitar da minha conta transacional todo e qualquer recurso que esteja enquadrado nas hipóteses descritas no Mecanismo Especial de Devulução, estando ciente de que na hipótese de não haver recursos suficientes para a devulução do valor integral, a AstroPay poderá proceder o bloqueio dos recursos mantidos na minha conta transacional, em uma ou mais parcelas, até o atingimento do valor total da transação. 6.5 Estou ciente de que na hipótese de não concordar com o mecanismo, a AstroPay poderá, a seu critério, adotar as medidas necessárias para o encerramento da minha conta transacional. 7. BLOQUEIO CAUTELAR: 7.1 Estou ciente de que ao receber um Pix, na qualidade de usuário recebedor do arranjo, a AstroPay poderá bloquear cautelarmente os recursos oriundos dessa transação, quando houver fundada suspeita de fraude, pelo prazo máximo de 72 horas. 7.2 A AstroPay comunicará imediatamente o usuário recebedor quando da efetivação do bloqueio cautelar. 7.3 A AstroPay, após a avaliação dentro do prazo previsto no item 1, tomará as seguintes providências: 7.4 Se for constatada fundada suspeita de fraude na transação, a AstroPay devulverá os recursos ao Usuário Pagador por meio do Mecanismos Especial de Devulução. 7.5 Se não for identificado indícios de fraude, a AstroPay cessará imediatamente o bloqueio cautelar dos recursos, e comunicará prontamente o usuário recebedor. 8. PAGAMENTO INTERNACIONAL: 8.1 O débito decorrente das aquisições pelo usuário, através de compra realizada neste aplicativo móvel será objeto de transação cambial realizada por instituição autorizada pelo Banco Central. 8.2 Para possibilitar a remessa dos recursos às compras realizadas ao exterior, o usuário nomeia desde já Agente de Pagamento autorizado por este aplicativo móvel com sua bastante procuradora, com poderes especiais para, em seu nome e por sua conta, realizar operações de câmbio e contratos que se façam necessários para o sucesso desta transação, incluindo poderes para negociar prazos, taxas, repactuar taxas, ou, ainda, substabelecer em todo ou em parte o mandato outorgado. 8.3 Razão pela qual o usuário desde já reconhece e autoriza o uso dos seus dados para exclusivamente realizar e concluir as transações efetuadas e o processamento de pagamento neste aplicativo. Qualquer dúvida relacionada ao Pix pode ser resulvida pelo Cana de Atedimento da AstroPay. --- ### Page: https://www.astropay.com/es/rest-of-the-world/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: es-AR Canonical URL: https://www.astropay.com/es/rest-of-the-world/t-c-agreement-for-individuals ## Headings Structure: H1: Acuerdo de términos y condiciones (para particulares) H2: Descarga la app de AstroPay ## Main Content: H1: Acuerdo de términos y condiciones (para particulares) H2: Descarga la app de AstroPay INFORMACIÓN IMPORTANTE: Estos términos y condiciones (»Términos») rigen el uso de los Servicios (tal como se definen a continuación), que son proporcionados por AstroPay Global (IOM) Limited, una sociedad de responsabilidad limitada de la Isla de Man con domicilio social en el segundo piso de Hilary House, Prospect Hill Douglas, Isla de Man, IM1 1EQ y número de licencia FSA 1399 (»nosotros»,»nosotros»»nuestro»»AstroPay» o»Proveedor») a cualquier persona cuya solicitud aprobemos (»tú» o»vuestro»). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agreed to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: 2. En estos términos: 2. Cambios a estos Términos 3. Registro y elegibilidad 5. Acceso a su cuenta y uso de los Servicios 6. Cargando tu billetera 7. Uso de tu billetera ‍8. Cambios en los detalles de su cuenta 9. Derechos de propiedad 10. Derecho a cancelar 11. Terminación y suspensión 13. Derechos y responsabilidades 15. Detalles de contacto y aviso 17. Ley aplicable y jurisdicción 18. Tramitación de quejas --- ### Page: https://www.astropay.com/pt/rest-of-the-world/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: pt-BR Canonical URL: https://www.astropay.com/pt/rest-of-the-world/t-c-agreement-for-individuals ## Headings Structure: H1: Contrato T&C (para pessoas físicas) H2: Baixe o app do AstroPay ## Main Content: H1: Contrato T&C (para pessoas físicas) H2: Baixe o app do AstroPay INFORMAÇÕES IMPORTANTES: Estes termos e condições (”Termos”) regem o uso dos Serviços (conforme definido abaixo), que são fornecidos pela AstroPay Global (IOM) Limited, uma sociedade limitada da Ilha de Man com sede no 2º andar, Hilary House, Prospect Hill Douglas, Ilha de Man, IM1 1EQ e número de licença FSA 1399 (”nós”,”nós””nossa””AstroPay” ou”Provedor”) para qualquer pessoa cuja inscrição aprovamos (”você” ou”seu”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agreed to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: 2. Alterações a estes Termos 3. Registro e elegibilidade 5. Acesso à sua Conta e uso dos Serviços 6. Carregando sua carteira 7. Usando sua carteira ‍8. Alterações nos detalhes da sua conta 9. Proprietary Rights 11. Termination and Suspension 13. Rights and Liabilities 15. Contact Details and Notice 17. Governing Law and Jurisdiction 18. Complaints Handling --- ### Page: https://www.astropay.com/da/rest-of-the-world/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: da Canonical URL: https://www.astropay.com/da/rest-of-the-world/t-c-agreement-for-individuals ## Headings Structure: H1: T&C-aftale (for enkeltpersoner) H2: Download AstroPay-appen ## Main Content: H1: T&C-aftale (for enkeltpersoner) H2: Download AstroPay-appen VIGTIGE OPLYSNINGER: Disse vilkår og betingelser (“Vilkår“) regulerer brugen af tjenesterne (som defineret nedenfor), som leveres af AstroPay Global (IOM) Limited, et Isle of Man-aktieselskab med registreret kontor på 2nd Floor, Hilary House, Prospect Hill Douglas, Isle of Man, IM1 1EQ og licensnummer FSA 1399 (“vi„,“os„“vores„“AstroPay“ eller“Leverandør“) til enhver person, hvis ansøgning vi godkender (“du“ eller“dit„). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agreed to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: 2. Ændringer i disse Vilkår 3. Registrering og berettigelse 5. Adgang til din konto og brug af tjenesterne 6. Indlæsning af din tegnebog 7. Brug af din tegnebog ‍8. Ændringer i dine kontooplysninger 9. Ejendomsrettigheder 10. Ret til at annullere 11. Opsigelse og suspension 13. Rettigheder og forpligtelser 15. Kontaktoplysninger og meddelelse 17. Gældende lov og jurisdiktion AFSLUTNING AF AFTALEN --- ### Page: https://www.astropay.com/rest-of-the-world/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: en Canonical URL: https://www.astropay.com/rest-of-the-world/t-c-agreement-for-individuals ## Headings Structure: H1: T&C Agreement (for individuals) H2: Get the
AstroPay App ## Main Content: H1: T&C Agreement (for individuals) H2: Get the
AstroPay App IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by AstroPay Global (IOM) Limited, an Isle of Man limited company with registered office at 2nd Floor, Hilary House, Prospect Hill Douglas, Isle of Man, IM1 1EQ and license number FSA 1399 (“we”, “us” “our” “AstroPay” or “Provider”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood, and agreed to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: 2. Changes to these Terms 3. Registration and Eligibility 5. Access to your Account and use of the Services 6. Loading your Wallet ‍8. Changes to your Account details 9. Proprietary Rights 11. Termination and Suspension 13. Rights and Liabilities 15. Contact Details and Notice 17. Governing Law and Jurisdiction 18. Complaints Handling --- ### Page: https://www.astropay.com/es/sobre Title: Sobre Nosotros - AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/sobre ## Headings Structure: H1: Las personas detrás de AstroPay H2: Nuestra misión H2: Para radicales H2: ¿Quieres construir algo grandioso? H2: Descarga la app de AstroPay ## Main Content: H1: Las personas detrás de AstroPay H2: Nuestra misión H2: Para radicales H2: ¿Quieres construir algo grandioso? H2: Descarga la app de AstroPay Somos un equipo de individuos innovadores y ambiciosos que están apasionados por hacer un impacto duradero. Nuestra misión es simple: permitir una vida financiera diaria sin esfuerzo a través de fronteras. Hemos construido el primer verdadero sistema operativo financiero global, donde el pago, las tarjetas, las recompensas, los viajes y la banca fluyen juntos de manera natural. Este es el futuro que está creando AstroPay. En AstroPay, priorizamos la acción, la propiedad y la velocidad. Nuestra cultura está diseñada para quienes buscan hacer movimientos audaces y asumir responsabilidad. Valoramos la ambición global, la franqueza y el coraje para desafiar el status quo. Si estás listo para construir, bienvenido a casa. --- ### Page: https://www.astropay.com/pt/sobre Title: Sobre - AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/sobre ## Headings Structure: H1: As pessoas
por trás do AstroPay H2: Nossa missão H2: Para radicais H2: Você quer construir algo grandioso? H2: Baixe o app do AstroPay ## Main Content: H1: As pessoas
por trás do AstroPay H2: Nossa missão H2: Para radicais H2: Você quer construir algo grandioso? H2: Baixe o app do AstroPay Somos uma equipe de indivíduos inovadores e ambiciosos que são apaixonados por causar um impacto duradouro. Nossa missão é simples: permitir uma vida financeira diária sem esforço através de fronteiras. Construímos o primeiro verdadeiro sistema operacional financeiro global, onde pagamentos, cartões, recompensas, viagens e banco fluem juntos de forma natural. Este é o futuro que o AstroPay está criando. No AstroPay, priorizamos a ação, a propriedade e a velocidade. Nossa cultura é projetada para aqueles que buscam fazer movimentos audaciosos e assumir responsabilidades. Valorizamos a ambição global, a franqueza e a coragem de desafiar o status quo. Se você está pronto para construir, bem-vindo a casa. --- ### Page: https://www.astropay.com/da/about Title: About - AstroPay Language: da Canonical URL: https://www.astropay.com/da/about ## Headings Structure: H1: Folkene bag AstroPay H2: Vores mission H2: For radikale H2: Vil du bygge noget godt? H2: Download AstroPay-appen ## Main Content: H1: Folkene bag AstroPay H2: Vores mission H2: For radikale H2: Vil du bygge noget godt? H2: Download AstroPay-appen Vi er et team af innovative og ambitiøse individer, der brænder for at gøre en varig forskel. Vores mission er enkel: at muliggøre en ubesværet daglig økonomisk tilværelse på tværs af grænser. Vi har bygget det første ægte globale finansielle operativsystem, hvor betalinger, kort, belønninger, rejser og bankvirksomhed flyder problemfrit sammen. Dette er den fremtid, AstroPay skaber. Hos AstroPay prioriterer vi handling, ejerskab og hastighed. Vores kultur er designet til dem, der søger at foretage modige træk og tage ansvar. Vi værdsætter global ambition, åbenhed og modet til at udfordre status quo.Hvis du er klar til at bygge, så velkommen hjem. --- ### Page: https://www.astropay.com/about Title: About - AstroPay Language: en Canonical URL: https://www.astropay.com/about ## Headings Structure: H1: The people
behind AstroPay H2: Our mission H2: For radicals H2: Want to build something great? H2: Get the
AstroPay App ## Main Content: H1: The people
behind AstroPay H2: Our mission H2: For radicals H2: Want to build something great? H2: Get the
AstroPay App We are a team of innovative and ambitious individuals who are passionate about making a lasting impact. Our mission is simple: enable effortless daily financial life across borders.We've built the first true financial operating system for global— where checkout, cards, 
rewards, travel, and banking flow together naturally. This is the future AstroPay is creating. At AstroPay, we believe in action over titles, ownership over excuses, and speed over process. Our culture is built for high-performers who want to make bold moves, take full responsibility, and create meaningful impact. We value global ambition, radical candor, and the courage to challenge the status quo. If you're ready to build, not just maintain—welcome home. --- ### Page: https://www.astropay.com/es/empleo Title: Trabaja con Nosotros - AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/empleo ## Headings Structure: H1: Work at AstroPay H2: Departamento H2: Descarga la app de AstroPay ## Main Content: H1: Work at AstroPay H2: Departamento H2: Descarga la app de AstroPay Somos un equipo de personas innovadoras y ambiciosas que sienten pasión por lograr un impacto duradero. --- ### Page: https://www.astropay.com/pt/trabalhe-conosco Title: Trabalhe Conosco - AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/trabalhe-conosco ## Headings Structure: H1: Work at AstroPay H2: Departamento H2: Baixe o app do AstroPay ## Main Content: H1: Work at AstroPay H2: Departamento H2: Baixe o app do AstroPay Somos uma equipe de indivíduos inovadores e ambiciosos, apaixonados por causar um impacto duradouro. --- ### Page: https://www.astropay.com/da/careers Title: Careers - AstroPay Language: da Canonical URL: https://www.astropay.com/da/careers ## Headings Structure: H1: Work at AstroPay H2: Afdelingen H2: Download AstroPay-appen ## Main Content: H1: Work at AstroPay H2: Afdelingen H2: Download AstroPay-appen Vi er et team af innovative og ambitiøse individer, der brænder for at gøre en varig indvirkning. --- ### Page: https://www.astropay.com/careers Title: Careers - AstroPay Language: en Canonical URL: https://www.astropay.com/careers ## Headings Structure: H1: Work at AstroPay H2: Department H2: Get the
AstroPay App ## Main Content: H1: Work at AstroPay H2: Department H2: Get the
AstroPay App We are a team of innovative and ambitious individuals who are passionate about making a lasting impact. --- ### Page: https://www.astropay.com/es/afiliados Title: Programa de Afiliados - AstroPay Language: es-AR Canonical URL: https://www.astropay.com/es/afiliados ## Headings Structure: H1: Crece y obtén más como socio H2: Preguntas frecuentes sobre AstroPay Business H2: ¿Aún tienes preguntas? H2: Manteniendo tu dinero seguro H3: Soporte dedicado H3: Privacidad y datos H3: Protección internacional H2: Descarga la app de AstroPay ## Main Content: H1: Crece y obtén más como socio H2: Preguntas frecuentes sobre AstroPay Business H2: ¿Aún tienes preguntas? H2: Manteniendo tu dinero seguro H3: Soporte dedicado H3: Privacidad y datos H3: Protección internacional H2: Descarga la app de AstroPay --- ### Page: https://www.astropay.com/pt/afiliados Title: Programa de Afiliados - AstroPay Language: pt-BR Canonical URL: https://www.astropay.com/pt/afiliados ## Headings Structure: H1: Cresça e obtenha mais como parceiro. H2: Perguntas frequentes sobre o AstroPay Business H2: Ainda tem perguntas? H2: Mantendo seu dinheiro seguro H3: Suporte dedicado H3: Privacidade e dados H3: Proteção internacional H2: Baixe o app do AstroPay ## Main Content: H1: Cresça e obtenha mais como parceiro. H2: Perguntas frequentes sobre o AstroPay Business H2: Ainda tem perguntas? H2: Mantendo seu dinheiro seguro H3: Suporte dedicado H3: Privacidade e dados H3: Proteção internacional H2: Baixe o app do AstroPay --- ### Page: https://www.astropay.com/da/affiliates Title: Affiliates - AstroPay Language: da Canonical URL: https://www.astropay.com/da/affiliates ## Headings Structure: H1: Vækst og få mere som partner. H2: Ofte stillede spørgsmål om AstroPay Business H2: Still have questions? H2: Sikring af dine penge H3: Dedikeret support H3: Privatliv og data H3: International beskyttelse H2: Download AstroPay-appen ## Main Content: H1: Vækst og få mere som partner. H2: Ofte stillede spørgsmål om AstroPay Business H2: Still have questions? H2: Sikring af dine penge H3: Dedikeret support H3: Privatliv og data H3: International beskyttelse H2: Download AstroPay-appen --- ### Page: https://www.astropay.com/affiliates Title: Affiliates - AstroPay Language: en Canonical URL: https://www.astropay.com/affiliates ## Headings Structure: H1: Grow and get more as one of our partners H2: AstroPay Business FAQs H2: Still have questions? H2: Keeping your money safe H3: Dedicated support H3: Privacy and data H3: International safeguarding H2: Get the
AstroPay App ## Main Content: H1: Grow and get more as one of our partners H2: AstroPay Business FAQs H2: Still have questions? H2: Keeping your money safe H3: Dedicated support H3: Privacy and data H3: International safeguarding H2: Get the
AstroPay App --- ### Page: https://www.astropay.com/es/united-kingdom/t-c-agreement-for-legal-entities Title: T&C Agreement (for legal entities) Language: es-AR Canonical URL: https://www.astropay.com/es/united-kingdom/t-c-agreement-for-legal-entities ## Headings Structure: H1: T&C Agreement (for legal entities) H2: Descarga la app de AstroPay ## Main Content: H1: T&C Agreement (for legal entities) H2: Descarga la app de AstroPay These terms and conditions (“Terms”) govern the use of the Payment Processing Services (as defined below), which are provided by Larstal Limited, a United Kingdom company with a registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, (“Processor”) to the entity identified in the Merchant Agreement Form, whose application is approved (“Merchant”). By activating its account, the Merchant confirms that it has read, understood, and agreed to these Terms. Processor recommends the Merchant to print a copy of these Terms for future reference. These Terms refer to the following additional terms, which also apply to the Merchant for the use of the Services: 1. Definitions and Interpretation It is expressly agreed that the Merchant will not seek to by-pass, compete, avoid or circumvent the Processor from any business opportunity that relates to the Payment Processing Services by utilizing Confidential Information or by otherwise exploiting or deriving any beneficial know-how or proprietary information shared in the development of their commercial relationship. The Processor shall be able to sue for damages and freeze the Merchant’s funds should the covenants in this Clause be violated in any way. The Merchant shall be bound by the covenant set out in this Clause during the term of this Agreement and for a period of 12 (twelve) months after termination or expiry of this Agreement --- ### Page: https://www.astropay.com/pt/united-kingdom/t-c-agreement-for-legal-entities Title: T&C Agreement (for legal entities) Language: pt-BR Canonical URL: https://www.astropay.com/pt/united-kingdom/t-c-agreement-for-legal-entities ## Headings Structure: H1: T&C Agreement (for legal entities) H2: Baixe o app do AstroPay ## Main Content: H1: T&C Agreement (for legal entities) H2: Baixe o app do AstroPay These terms and conditions (“Terms”) govern the use of the Payment Processing Services (as defined below), which are provided by Larstal Limited, a United Kingdom company with a registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, (“Processor”) to the entity identified in the Merchant Agreement Form, whose application is approved (“Merchant”). By activating its account, the Merchant confirms that it has read, understood, and agreed to these Terms. Processor recommends the Merchant to print a copy of these Terms for future reference. These Terms refer to the following additional terms, which also apply to the Merchant for the use of the Services: 1. Definitions and Interpretation It is expressly agreed that the Merchant will not seek to by-pass, compete, avoid or circumvent the Processor from any business opportunity that relates to the Payment Processing Services by utilizing Confidential Information or by otherwise exploiting or deriving any beneficial know-how or proprietary information shared in the development of their commercial relationship. The Processor shall be able to sue for damages and freeze the Merchant’s funds should the covenants in this Clause be violated in any way. The Merchant shall be bound by the covenant set out in this Clause during the term of this Agreement and for a period of 12 (twelve) months after termination or expiry of this Agreement --- ### Page: https://www.astropay.com/da/united-kingdom/t-c-agreement-for-legal-entities Title: T&C Agreement (for legal entities) Language: da Canonical URL: https://www.astropay.com/da/united-kingdom/t-c-agreement-for-legal-entities ## Headings Structure: H1: T&C Agreement (for legal entities) H2: Download AstroPay-appen ## Main Content: H1: T&C Agreement (for legal entities) H2: Download AstroPay-appen These terms and conditions (“Terms”) govern the use of the Payment Processing Services (as defined below), which are provided by Larstal Limited, a United Kingdom company with a registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, (“Processor”) to the entity identified in the Merchant Agreement Form, whose application is approved (“Merchant”). By activating its account, the Merchant confirms that it has read, understood, and agreed to these Terms. Processor recommends the Merchant to print a copy of these Terms for future reference. These Terms refer to the following additional terms, which also apply to the Merchant for the use of the Services: 1. Definitions and Interpretation It is expressly agreed that the Merchant will not seek to by-pass, compete, avoid or circumvent the Processor from any business opportunity that relates to the Payment Processing Services by utilizing Confidential Information or by otherwise exploiting or deriving any beneficial know-how or proprietary information shared in the development of their commercial relationship. The Processor shall be able to sue for damages and freeze the Merchant’s funds should the covenants in this Clause be violated in any way. The Merchant shall be bound by the covenant set out in this Clause during the term of this Agreement and for a period of 12 (twelve) months after termination or expiry of this Agreement --- ### Page: https://www.astropay.com/united-kingdom/t-c-agreement-for-legal-entities Title: T&C Agreement (for legal entities) Language: en Canonical URL: https://www.astropay.com/united-kingdom/t-c-agreement-for-legal-entities ## Headings Structure: H1: T&C Agreement (for legal entities) H2: Get the
AstroPay App ## Main Content: H1: T&C Agreement (for legal entities) H2: Get the
AstroPay App These terms and conditions (“Terms”) govern the use of the Payment Processing Services (as defined below), which are provided by Larstal Limited, a United Kingdom company with a registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, (“Processor”) to the entity identified in the Merchant Agreement Form, whose application is approved (“Merchant”). By activating its account, the Merchant confirms that it has read, understood, and agreed to these Terms. Processor recommends the Merchant to print a copy of these Terms for future reference. These Terms refer to the following additional terms, which also apply to the Merchant for the use of the Services: 1. Definitions and Interpretation It is expressly agreed that the Merchant will not seek to by-pass, compete, avoid or circumvent the Processor from any business opportunity that relates to the Payment Processing Services by utilizing Confidential Information or by otherwise exploiting or deriving any beneficial know-how or proprietary information shared in the development of their commercial relationship. The Processor shall be able to sue for damages and freeze the Merchant’s funds should the covenants in this Clause be violated in any way. The Merchant shall be bound by the covenant set out in this Clause during the term of this Agreement and for a period of 12 (twelve) months after termination or expiry of this Agreement --- ### Page: https://www.astropay.com/es/united-kingdom/privacy-and-cookies-policy-for-legal-entities Title: Privacy and Cookies Policy (for legal entities) Language: es-AR Canonical URL: https://www.astropay.com/es/united-kingdom/privacy-and-cookies-policy-for-legal-entities ## Headings Structure: H1: PRIVACY NOTICE FOR ASTROPAY AS A SERVICE PROVIDER IN UK AND REST OF THE WORLD H2: Descarga la app de AstroPay ## Main Content: H1: PRIVACY NOTICE FOR ASTROPAY AS A SERVICE PROVIDER IN UK AND REST OF THE WORLD H2: Descarga la app de AstroPay Welcome to the privacy notice of AP Global Corporation LLP, Larstal Limited and AstroPay Global (IOM) Limited (“AstroPay”). AstroPay is a global payment processing services company that provides its services to e-commerce merchants worldwide by processing the payments from the merchant end users in the jurisdictions where the end users are located through different payment means. AstroPay is committed to following the requirements and obligations in relation to data privacy in accordance with applicable law, including (i) the UK Data Protection Act 2018; and (ii) the EU law version of the General Data Protection Regulation ((EU) 2016/679) as amended and adopted by UK law by virtue of section 3 of the European Union (Withdrawal) Act 2018 (the “UK GDPR”). AstroPay respects your privacy and is committed to protecting your personal data. This privacy notice (i) informs you about the personal data we collect from you, and how and why we process it; and (ii) tells you about your privacy rights and how the law protects you. --- ### Page: https://www.astropay.com/pt/united-kingdom/privacy-and-cookies-policy-for-legal-entities Title: Privacy and Cookies Policy (for legal entities) Language: pt-BR Canonical URL: https://www.astropay.com/pt/united-kingdom/privacy-and-cookies-policy-for-legal-entities ## Headings Structure: H1: PRIVACY NOTICE FOR ASTROPAY AS A SERVICE PROVIDER IN UK AND REST OF THE WORLD H2: Baixe o app do AstroPay ## Main Content: H1: PRIVACY NOTICE FOR ASTROPAY AS A SERVICE PROVIDER IN UK AND REST OF THE WORLD H2: Baixe o app do AstroPay Welcome to the privacy notice of AP Global Corporation LLP, Larstal Limited and AstroPay Global (IOM) Limited (“AstroPay”). AstroPay is a global payment processing services company that provides its services to e-commerce merchants worldwide by processing the payments from the merchant end users in the jurisdictions where the end users are located through different payment means. AstroPay is committed to following the requirements and obligations in relation to data privacy in accordance with applicable law, including (i) the UK Data Protection Act 2018; and (ii) the EU law version of the General Data Protection Regulation ((EU) 2016/679) as amended and adopted by UK law by virtue of section 3 of the European Union (Withdrawal) Act 2018 (the “UK GDPR”). AstroPay respects your privacy and is committed to protecting your personal data. This privacy notice (i) informs you about the personal data we collect from you, and how and why we process it; and (ii) tells you about your privacy rights and how the law protects you. --- ### Page: https://www.astropay.com/da/united-kingdom/privacy-and-cookies-policy-for-legal-entities Title: Privacy and Cookies Policy (for legal entities) Language: da Canonical URL: https://www.astropay.com/da/united-kingdom/privacy-and-cookies-policy-for-legal-entities ## Headings Structure: H1: PRIVACY NOTICE FOR ASTROPAY AS A SERVICE PROVIDER IN UK AND REST OF THE WORLD H2: Download AstroPay-appen ## Main Content: H1: PRIVACY NOTICE FOR ASTROPAY AS A SERVICE PROVIDER IN UK AND REST OF THE WORLD H2: Download AstroPay-appen Welcome to the privacy notice of AP Global Corporation LLP, Larstal Limited and AstroPay Global (IOM) Limited (“AstroPay”). AstroPay is a global payment processing services company that provides its services to e-commerce merchants worldwide by processing the payments from the merchant end users in the jurisdictions where the end users are located through different payment means. AstroPay is committed to following the requirements and obligations in relation to data privacy in accordance with applicable law, including (i) the UK Data Protection Act 2018; and (ii) the EU law version of the General Data Protection Regulation ((EU) 2016/679) as amended and adopted by UK law by virtue of section 3 of the European Union (Withdrawal) Act 2018 (the “UK GDPR”). AstroPay respects your privacy and is committed to protecting your personal data. This privacy notice (i) informs you about the personal data we collect from you, and how and why we process it; and (ii) tells you about your privacy rights and how the law protects you. --- ### Page: https://www.astropay.com/united-kingdom/privacy-and-cookies-policy-for-legal-entities Title: Privacy and Cookies Policy (for legal entities) Language: en Canonical URL: https://www.astropay.com/united-kingdom/privacy-and-cookies-policy-for-legal-entities ## Headings Structure: H1: PRIVACY NOTICE FOR ASTROPAY AS A SERVICE PROVIDER IN UK AND REST OF THE WORLD H2: Get the
AstroPay App ## Main Content: H1: PRIVACY NOTICE FOR ASTROPAY AS A SERVICE PROVIDER IN UK AND REST OF THE WORLD H2: Get the
AstroPay App Welcome to the privacy notice of AP Global Corporation LLP, Larstal Limited and AstroPay Global (IOM) Limited (“AstroPay”). AstroPay is a global payment processing services company that provides its services to e-commerce merchants worldwide by processing the payments from the merchant end users in the jurisdictions where the end users are located through different payment means. AstroPay is committed to following the requirements and obligations in relation to data privacy in accordance with applicable law, including (i) the UK Data Protection Act 2018; and (ii) the EU law version of the General Data Protection Regulation ((EU) 2016/679) as amended and adopted by UK law by virtue of section 3 of the European Union (Withdrawal) Act 2018 (the “UK GDPR”). AstroPay respects your privacy and is committed to protecting your personal data. This privacy notice (i) informs you about the personal data we collect from you, and how and why we process it; and (ii) tells you about your privacy rights and how the law protects you. --- ### Page: https://www.astropay.com/es/brazil/cards Title: Cards Language: es-AR Canonical URL: https://www.astropay.com/es/brazil/cards ## Headings Structure: H1: Terms and Conditions of Use for Card H2: Descarga la app de AstroPay ## Main Content: H1: Terms and Conditions of Use for Card H2: Descarga la app de AstroPay IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Card (as defined below), which are provided by AstroPay Global (IOM) Limited, an Isle of Man limited company with registered office at 2nd Floor, Hilary House, Prospect Hill Douglas, Isle of Man, IM1 1EQ and license number FSA 1399  (“Astropay”, “we”, “us” or “our”) to any person whose application we approve (“you” or “your”). These Terms form a binding contract and apply only to your use of your Master Card issued either by the provider StarkBank S.A.(“Stark Bank”) pursuant to a license from Master Card (the “Card”). These Terms complement the separate customer agreement that you as a user enter into with your Card issuer Stark Bank (available in the following link). These Terms are also complementary to the T&C Agreement (the “General Terms”) accepted by you for the usage of your Astropay Account. In case of any inconsistency or discrepancy between these Terms and the General Terms, these Terms shall prevail. Card as provided for in these Terms. --- ### Page: https://www.astropay.com/pt/brazil/cards Title: Cards Language: pt-BR Canonical URL: https://www.astropay.com/pt/brazil/cards ## Headings Structure: H1: Terms and Conditions of Use for Card H2: Baixe o app do AstroPay ## Main Content: H1: Terms and Conditions of Use for Card H2: Baixe o app do AstroPay IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Card (as defined below), which are provided by AstroPay Global (IOM) Limited, an Isle of Man limited company with registered office at 2nd Floor, Hilary House, Prospect Hill Douglas, Isle of Man, IM1 1EQ and license number FSA 1399  (“Astropay”, “we”, “us” or “our”) to any person whose application we approve (“you” or “your”). These Terms form a binding contract and apply only to your use of your Master Card issued either by the provider StarkBank S.A.(“Stark Bank”) pursuant to a license from Master Card (the “Card”). These Terms complement the separate customer agreement that you as a user enter into with your Card issuer Stark Bank (available in the following link). These Terms are also complementary to the T&C Agreement (the “General Terms”) accepted by you for the usage of your Astropay Account. In case of any inconsistency or discrepancy between these Terms and the General Terms, these Terms shall prevail. Card as provided for in these Terms. --- ### Page: https://www.astropay.com/da/brazil/cards Title: Cards Language: da Canonical URL: https://www.astropay.com/da/brazil/cards ## Headings Structure: H1: Terms and Conditions of Use for Card H2: Download AstroPay-appen ## Main Content: H1: Terms and Conditions of Use for Card H2: Download AstroPay-appen IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Card (as defined below), which are provided by AstroPay Global (IOM) Limited, an Isle of Man limited company with registered office at 2nd Floor, Hilary House, Prospect Hill Douglas, Isle of Man, IM1 1EQ and license number FSA 1399  (“Astropay”, “we”, “us” or “our”) to any person whose application we approve (“you” or “your”). These Terms form a binding contract and apply only to your use of your Master Card issued either by the provider StarkBank S.A.(“Stark Bank”) pursuant to a license from Master Card (the “Card”). These Terms complement the separate customer agreement that you as a user enter into with your Card issuer Stark Bank (available in the following link). These Terms are also complementary to the T&C Agreement (the “General Terms”) accepted by you for the usage of your Astropay Account. In case of any inconsistency or discrepancy between these Terms and the General Terms, these Terms shall prevail. Card as provided for in these Terms. --- ### Page: https://www.astropay.com/brazil/cards Title: Cards Language: en Canonical URL: https://www.astropay.com/brazil/cards ## Headings Structure: H1: Terms and Conditions of Use for Card H2: Get the
AstroPay App ## Main Content: H1: Terms and Conditions of Use for Card H2: Get the
AstroPay App IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Card (as defined below), which are provided by AstroPay Global (IOM) Limited, an Isle of Man limited company with registered office at 2nd Floor, Hilary House, Prospect Hill Douglas, Isle of Man, IM1 1EQ and license number FSA 1399  (“Astropay”, “we”, “us” or “our”) to any person whose application we approve (“you” or “your”). These Terms form a binding contract and apply only to your use of your Master Card issued either by the provider StarkBank S.A.(“Stark Bank”) pursuant to a license from Master Card (the “Card”). These Terms complement the separate customer agreement that you as a user enter into with your Card issuer Stark Bank (available in the following link). These Terms are also complementary to the T&C Agreement (the “General Terms”) accepted by you for the usage of your Astropay Account. In case of any inconsistency or discrepancy between these Terms and the General Terms, these Terms shall prevail. Card as provided for in these Terms. --- ### Page: https://www.astropay.com/es/europe/denmark/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: es-AR Canonical URL: https://www.astropay.com/es/europe/denmark/t-c-agreement-for-individuals ## Headings Structure: H1: T&C Agreement (for individuals) H2: Descarga la app de AstroPay ## Main Content: H1: T&C Agreement (for individuals) H6: Annex A H2: Descarga la app de AstroPay Greetings from AstroPay! We're excited to have you on board. Get ready for an exceptional journey with us as we strive to #empower your money. Below, you'll find a simplified overview of our Terms and Conditions. While we've done our best to make it user-friendly, we encourage you to review the full version for a comprehensive understanding of your agreement with AstroPay. AstroPay is a global wallet which among other offers online payments, AstroPay Card and peer-to-peer money transfers. We aim to provide top-notch systems and technology. All operations within the EEA are done through Larstal Denmark ApS, a private limited company registered in Denmark. Larstal Denmark ApS is authorized by the Danish Financial Supervisory Authority (Finanstilsynet) as an electronic money institution. 🧐 How do I get started? You may register for an account via the Web & App. Your account is activated once all the required information has been received in order to identify you and comply with all applicable know-your-customer (“KYC”) requirements (information such as phone number, e-mail address and passport details). Following activation of your Wallet, you will be able to use funds to load E-Money to your Wallet. You can then use your Wallet to make direct online payments and in return gain loyalty AstroPoints that can be redeemed for rewards or to make a withdrawal, make a peer-to-peer transaction or apply for an AstroPay Card. In the event of any chargeback that occurs during a Transaction, we reserve the right to suspend or cancel your Wallet. If a chargeback results in a negative balance, you are required to perform an additional loading transaction to load your Wallet with sufficient funds immediately. If you wish to redeem, you must ensure that the payment details for the transfer are accurate and complete. You must be the named account holder of the account to which you instruct us to transfer the funds in the case of a redemption request. You are solely responsible for preserving the security of Your Account. You represent and warrant that the information given by you is correct and true and that you shall not use the services for any illegal purpose nor deposit funds from any illegal source. If you believe that you did not authorize a particular transaction or that a Transaction was incorrectly executed you should contact at support@larstal.com without undue delay, cf. clause 6 of the Terms. Your Wallet is not a deposit account, which means that your funds will not be protected by any depositor or investor guarantee scheme in Denmark. Charges are implemented as detailed in the Terms, and such may be deducted from your Wallet without further notice. Such Fees are subject to potential changes over time, which we will duly communicate to you. 🔴 Cancellation, suspension and termination You may cancel, suspend or terminate your agreement with AstroPay according to the Terms. We reserve the right to suspend or terminate your account or the services we provide without prior notice. If that’s the case we will proceed in accordance with section 11 of the Terms. 🤨Indemnity and Liability While we anticipate such occurrences to be rare, in the event that they do arise, you consent to indemnify us for any actions resulting from your improper use of the services and applications or violation of the terms. To the maximum extent permitted by applicable law, under no circumstances shall AstroPay bear responsibility for any direct, indirect, special, incidental, or consequential loss of any nature. cf. The Terms clause 13. In relation to AstroPay’s liability in general, we refer to the Terms. 📬 Contact and complaints Larstal Denmark will ensure all customers have access to the complaints policy and procedure upon request. If you have any questions or concerns about the Services, or you want to make a complaint, please contact us by email at support@larstal.com. 🏛️ Dispute Resolution This Agreement and any disagreements related to it will be governed by and interpreted according to the laws of Denmark. Both parties agree that any disputes regarding this Agreement will be settled exclusively by the courts of Denmark IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by Larstal Denmark ApS a Danish company with registered office at Applebys Pl. 7, 1411, Copenhagen, Denmark (“Larstal”, “we”, “us” or “our”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: 1. Definitions & Interpretation 1.1. In these Terms, capitalized words and expressions have the following meanings, unless otherwise stated: 2. Changes to these Terms 2.1. We may update or amend these Terms without your explicit consent if it is necessary due to: - changes in the services, market conditions, technology/systems, applicable law, regulation and/or market practice; - protection against risks outside our control; - customers promotions and other benefits; 2.2. Notice of any updates and amendments to these Terms will be given to you through notifications on the Web & App (or by email if deemed necessary) at least two (2) months in advance. By continuing to use our Services after that two (2) month period, you agree to be bound by the updated or amended terms. 3. Registration and Eligibility 3.1. You may register for an Account via the Web & App or other means that we may in the future prescribe. If you choose to register for an Account, you agree to provide us with true, accurate, current and complete information about yourself, and update us if there are any changes to that information or data. 3.2. You affirm that you are legally deemed as having full capacity and you are at least 18 years of age. 3.3. Your Wallet will not be activated unless we have been provided with the required information so that we may identify you, verify your age, and comply with all applicable know-your-customer (“KYC”) requirements (such as phone number, e-mail address and passport details). We shall keep records of the information and documents you provide in accordance with our Privacy Policy and all applicable legal and regulatory requirements. 3.4. We reserve the right to not accept your application for a Wallet or to open a Larstal Account and we are not obliged to provide the reason for declining your application. If we have reasonable grounds to suspect that any information you have provided to us is untrue, inaccurate or incomplete, we may suspend or terminate your Wallet and refuse any and all current or future use of the Services by you. 3.5. Your eligibility to access certain Services may depend on the country in which you reside or are based from time to time. You shall not attempt to access or make use of the Services from or in any jurisdiction where such access or use is prohibited by Applicable Laws. 4.1. We will provide the following services to you (collectively, the “Services”) in accordance with these Terms: 5. Access to your Account and use of the Services 5.1. You may access your Wallet by logging into your Larstal Account through the Web & App. From there, you will be able to see your Wallet history and Transaction activity, and view and edit your Wallet details. 5.2. You should check your Wallet history and Transaction activity regularly and contact us immediately in relation to any irregularities or enquiries. We shall not be liable for any Losses that result from any inaccurate information you provide. 5.3. To the extent that you are required to separately on-board with any Merchant Operator, you acknowledge and agree that we shall not be required to authorize any Transactions with that Merchant Operator unless and until you are separately on-boarded as required by them. You take full responsibility for ensuring that you are on-boarded with the relevant Merchant Operator prior to attempting to make a Transaction with that Merchant Operator. 5.4. The value of each Outbound Transaction will be deducted from your Available Balance and the value of each Inbound Transaction will be credited to your Available Balance. You must ensure that you have a sufficient Available Balance from time to time to pay for your Outbound Transactions and any fees relating to those Outbound Transactions. It is not possible to set up any spending limits. Once you’ve confirmed a Transaction on the check-out page, you’ve given adequate consent to execute the transaction. You will receive a Transaction receipt within maximum 10 minutes from your confirmation. You can see all pending Transactions in the app, and it is possible to cancel a Transaction as long as it appears as pending. For instant Transaction, you’ll need to request for a refund according to these terms and conditions. 5.5. If for any reason (a) an Outbound Transaction that you request, or (b) the deduction of applicable fees would result in your Wallet having a negative balance, we will not process that Outbound Transaction. Not processing an Outbound Transaction in the circumstances described in this Clause 5.5 will not constitute a breach of these Terms. 5.6. We may refuse to authorize any Transactions or a use of the Services that could breach these Terms, or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other illegal or unauthorized use of the Services. Nevertheless, we are not a party to any Transactions, and, as further set forth in Clause 13 below, we disclaim any liability for any failures, breaches, acts or omissions of the Merchant Operator in connection with the Transactions. 5.7. You are solely responsible for resolving any disputes you may have with the Merchant Operator in connection with Transactions or otherwise. We may, but we are not required, to assist you in your dispute with a Merchant Operator. If we do elect to assist you in a dispute with a Merchant Operator or User, you hereby acknowledge that such assistance shall not constitute a waiver of any provision of these Terms, including this Clause 5.7 or Clause 13. 5.8. Your ability to use or access the Services or your Wallet may occasionally be interrupted, for example if we need to carry out maintenance on our systems. Please contact us in accordance with Clause 15 if you wish to report any issues. 6. Loading your Wallet 6.1. Following activation of your Wallet, you will be able to use funds to load E-Money to your Wallet (“Loading Transaction”). We may ask you to answer security questions or to complete other activities that we may reasonably require to ensure proper authorization of a Loading Transaction. Unless otherwise expressly agreed pursuant to a separate Service, we will not extend you credit. 6.2. To initiate a Loading Transaction, you must log into your Account through the Web & App by using your Wallet details and follow the relevant instructions. The payment method for loading E-Money to your Wallet will depend on the country in which you reside. 6.3. For a list of the permitted methods for Loading Transactions in your country of residence, please visit our website. Please note that we may change this list at our sole discretion from time to time. The execution of your payments by third party payment providers in order to load your Wallet with E-Money are not part of our Services. We do not guarantee your ability to use any particular third-party payment provider to complete a Loading Transaction and we may discontinue accepting payments processed by any such third-party payment provider at any time in our sole discretion. 6.4. We reserve the right to suspend or cancel your Wallet in the event of any chargeback that occurs during any Loading Transaction or any Transaction. In the event that any chargeback results in a negative balance on your Wallet, you are required to perform an additional Loading Transaction to load your Wallet with sufficient funds immediately. We reserve the right to send you reminders or to take other debt collection measures, and we may charge a fee in connection with any debt collection or enforcement measures according to the applicable regulation. 6.5. If you believe that you did not Authorize a particular Transaction or that a Transaction was incorrectly executed you should contact at support@larstal.com without undue delay. 6.6. The maximum execution time for a Transaction is 48 hours. We will not be held liable for any Transaction that was unauthorized or incorrectly executed if you have failed to contact us without undue delay and - in all circumstances- later than 13 months after debiting the payment transaction in question. For objections from the payee, the time limit shall be 13 months after the date of crediting. You should also confirm the disputed Transaction by writing (email to support@larstal.com.) setting out full details of the Transaction and your reason for disputing it. 6.7. Subject to you notifying us without undue delay, we shall refund to you the amount of any Transaction not Authorized by you immediately unless otherwise stated in the Danish Payment Act 61-70, hereunder clauses 6.8- 6.16. 6.8. You shall only be liable pursuant to subsections 6.9.1-6.9.5, if the transaction is correctly recorded and entered in the accounts. In the event of unauthorized use of a payment instrument, the payer’s provider shall immediately repay the amount to the payer. You shall be liable without limit, however, for losses arising as a consequence of the payer having acted fraudulently or having failed to (1) take all the measures necessary to protect the personalized security features of the payment instrument, (2) use the payment instrument in accordance with the terms governing the issue and use of the payment instrument or (3) notify us without undue delay on becoming aware of loss, misappropriation or other unauthorized use of the payment instrument. 6.8.1: Unless greater liability is provided by subsection 6.8.2 or 6.8.5, you shall be liable for up to DKK 1,100 for losses consequential upon unauthorized use of the payment instrument by others, if the personalized security features of the payment instrument have been applied. 6.8.2 Unless greater liability is provided by subsection 6.8.5, you shall be liable for up to DKK 8,000 for losses consequential upon unauthorized use of the payment instrument by others, if we confirm that the personalized security features of the payment instrument have been applied, and a) that you have omitted to notify us as soon as possible after becoming aware that the payment instrument is missing, or that the unauthorized person has become acquainted with the personalized security features, b) that you have surrendered the personalized security features to the person who has executed unauthorized use and the matter is not subject to subsection 6.8.5, or c) that, through grossly inappropriate conduct, you have made the unauthorized use possible. 6.8.3 You shall be liable for up to DKK 8,000 for losses consequential upon unauthorized use of the payment instrument by others, if the payment instrument has been read physically or electronically and, in this connection, the unauthorized person has used a false signature and we justify it. a) that you, or a person to whom you have entrusted the payment instrument, has omitted to notify us as soon as possible after becoming aware that the payment instrument is missing, or b) that you, or a person to whom you have entrusted the payment instrument, through grossly inappropriate conduct, has made the unauthorized use possible. 6.8.4 If you are liable pursuant to subsections 6.8.2 and 6.8.3, the total liability shall not exceed DKK 8,000. 6.8.5 You shall be liable without limit for losses consequential upon unauthorized use of the payment instrument by others in the event that the personalized security features of the payment instrument have been applied and the payer’s provider confirms that the payer has notified the personalized security features to the person who has carried out the unauthorized use, and that this has taken place under circumstances in which you realized, or should have realized, there was a risk of misuse. 6.9 Notwithstanding subsections 6.8.1-6.8.5, we shall be liable for unauthorized use which takes place after we have been notified that the payment instrument is missing, that an unauthorized person has become acquainted with the personalized security features, or that for some other reason you wish to have the payment instrument blocked. 6.10 Notwithstanding subsections 6.8.1-6.8.5, we shall be liable for unauthorized use, if the provider has not taken appropriate measures, in accordance with the Danish payment Act section 60(1), no. 2. 6.11 Notwithstanding subsections 6.8.1-6.8.5, we shall also be liable, if you knew, or should have known, that unauthorized use of the payment instrument existed. 6.12 Subsections 6.8.1-6.8.6 shall apply to electronic money unless it is not possible for us to block the payment account or the payment instrument. 6.13 We shall have the burden of proof that a payment transaction has been correctly recorded, entered in the accounts and has not been affected by a technical breakdown or some other deficiency. When using a payment instrument, we shall also have the burden of proof that the personalized security features of the payment instrument have been applied in connection with the payment transaction. Recording use of a payment instrument shall not in itself constitute proof that you have approved the transaction, that you have acted fraudulently, or that you have omitted to meet his obligations according to section 6.9. 6.14 You shall have the right of refund from his provider of the full amount of a concluded payment transaction which was initiated by or through the payee, provided 1) you have not approved the exact amount of the payment transaction, and 2) the amount of the payment transaction exceeded the amount you could reasonably have expected, amongst other things taking into account his previous spending pattern and the conditions in his framework contract. Changes in the exchange rate, when this is calculated on the basis of a reference exchange rate, may not be invoked when 16.14 no. 2 is applied. 6.14.1 You have no right to a refund in accordance with this subsection where you have given his consent to execute the payment transactions covered by this section directly to the payer’s provider and, where applicable, information on the future payment transaction was provided or made available in an agreed manner to the payer at least four weeks before the due date by the provider or by the payee. 6.14.2 A request for refund according to this subsection, shall be received by us no later than eight weeks after debiting the payment transaction in question. 6.14.3 We shall, no later than ten business days after receiving a request for a refund according to this subsection either refund the full amount of the payment transaction or provide justification for refusing the refund, indicating the possibilities for appeal. 6.15 A payment order, executed in accordance with the unique identifier (an encrypted 9-digit number) stated on the payment order, shall be considered as correctly executed. We shall take all reasonable measures to reimburse the funds involved in a payment transaction in which the user has notified an incorrect unique identifier. The framework contract may state that the provider of payment services may demand payment for reimbursing this amount. 6.16 If a payment order is initiated by you, we shall be liable for direct losses consequential upon non-execution or defective execution of the payment transaction unless we can prove that we have received the amount in accordance with section 75 in the Danish Payment Act. After we have received the amount, we shall be liable to you for direct losses consequential upon non-execution or defective execution of the payment transaction. We shall, however, always make efforts to trace the payment transaction and notify you of the outcome. If a payment order is initiated by or through you, we shall be liable to the payee for direct losses consequential upon non-execution or defective transmission of the payment order to the payer's provider, cf. section 75 in the Danish Payment Act. We shall, however, always make efforts to trace the payment transaction and notify the payee of the outcome. We, who may have compensated for a loss, consequential upon conditions at another provider or third party, may demand the compensation refunded by the person in question. If a payment is missing or delayed under the circumstances mentioned here, remedies for breach may not for this reason be made applicable to you, except for demands for interest. If the amount has been debited to your account, payment shall be in full satisfaction of all claims for you. 6.17. You must not load your Wallet through a debit card or other payment instrument or a payment account if you are not the named holder of that payment instrument or account. Any attempt to use a payment instrument or account of which you are not the named holder will be considered a fraudulent act. Without prejudice to claiming further Losses, if we are required to return funds loaded from a payment instrument or account that is not in your name, we may charge a fee corresponding to Larstal’s actual costs in this regard. 6.18. Our processing of all Loading Transactions will be subject to our usual fraud, money laundering and other operational and customer service checks. Accordingly, there may be delays in the time required for E-Money to appear in your Wallet once you have performed a Loading Transaction. Unless we expressly state otherwise, we shall not act as a merchant in relation to any Transaction. 6.19. You accept and agree that a Loading Transaction made in a currency other than Euros will be converted into Euros by the Web & App at the prevailing rate of exchange displayed on the Web & App at the time of that Loading Transaction (please see our website for details of the source of the exchange rates used by the Web & App from time to time). You accept that such conversion shall be entirely at your own cost and risk, including the result of any fluctuation or difference between the rate of exchange displayed on the Web & App at the time of the Loading Transaction and at the time of the redemption request. 6.20. If you perform a Loading Transaction by debit card, your payment information will be stored securely in accordance with Applicable Laws. All credit/debit card information is protected according to PCI_DSS regulations, where all cardholder data and/or sensitive authentication data is processed by a certified PCI DSS service provider Level 1. We do not store, transmit nor process cardholder data and/or sensitive authentication data, restricting interactions to only tokenized information. 6.21. Your Wallet is not a deposit account, which means that your funds will not be protected by any depositor or investor guarantee scheme in Denmark. However, we will hold funds received in a designated safekeeping account with a regulated financial institution in accordance with the Payment Act, and those funds will not be used by us other than on your instructions in connection with your Wallet. Your Wallet does not grant or accrue any interest or bonuses related to the duration of time that you hold E-Money with us. 6.22 Users are specifically prohibited from using AstroPay Wallet in sites which are prohibited businesses as per their local laws. As an example, a Danish user shall not use the Wallet in prohibited businesses as per Danish law. Any noncompliance with the aforementioned shall be considered breach of these terms and conditions. 7. Fees and using your Wallet 7.1 You agree that any fees as set out in Annex A, and other amounts due and payable to us under these Terms may be debited from your Wallet without further notice. The redemption fees will correspond to Larstal’s costs in connection with the redemption (see further clause 12). Such deductions may be made at any time, and without us notifying you, but these will be reflected in the information in your Account. We further reserve the right to change our Fees upon two (2) months’ notice given to you through notification on the Web & App (or by email if deemed necessary) prior to such changes going into effect. Reasons why we may change our fees may be: - changes in the exchanges available to us and their offerings - changes to the costs of fundings our services 7.1 Managing your Wallet. You are responsible for: 7.2. If you fail to respond to one or more actions, requests, or requirements communicated by AstroPay within the specified timeframe, AstroPay reserves the right to charge an idleness fee (the “Idleness Fee”). The nature of such requests, including the applicable deadlines, will be clearly indicated in the relevant communication. The Idleness Fee is intended to cover administrative costs and ensure timely compliance with regulatory obligations. Subject to prior notice, the Idleness Fee may range from EUR 50 up to fifty percent (50%) of the Available Balance per month, at Larstal’s sole discretion. Such fee may be debited directly from your Wallet without further notice. 7.3. Account username and password. Do not share your username or password with anyone. If you disclose your username or password to anyone, you are responsible and liable for their access, use or misuse of your Wallet. If your username, password or other Wallet details are lost, stolen or compromised, or you believe a third party has unauthorized access to your Wallet, you must contact us immediately in accordance with Clause 15. We will take reasonable steps to stop unauthorized use of your Wallet, which may include suspending or canceling your Wallet or otherwise suspending access to the E-Money. 8. Changes to your Wallet details 8.1. Changes to your Account Details. You must notify us immediately of any change in your Wallet details. We cannot guarantee proper performance of the Services in the event the Wallet details you have provided are not accurate or become inaccurate. We disclaim all liability for any Losses that may result from such inaccuracies. You can notify us by contacting us in accordance with Clause 15, and we may require you to confirm such notification in writing or through other factors of authentication (which may include messages or calls to your mobile phone, or confirmation mail to your physical address). You will be liable for any Loss that directly results from any failure to notify us of any change. In order to verify a new address, you must provide any proof that we require. 8.2. Verifying your identity. We reserve the right at any time to seek verification as to your identity and address (for example, by requesting relevant original documents), including for the purposes of preventing fraud and/or money laundering. In addition, at the time of your application or at any time in the future, we may perform, in connection with your Wallet, electronic identity verification checks either directly or using relevant third parties. You agree to provide us with the information we request for purposes of identity verification and the detection of money laundering, terrorist financing, fraud or any other financial crime, and we will keep a record of such information in accordance with our Privacy Policy. If you fail to provide the requested information, we reserve the right to suspend your Wallet pending receipt and verification of that information. 9. Proprietary Rights 9.1. All rights, title and interest in, and to, the Intellectual Property Rights subsisting in, or embodied by, the Web & App, the Services, any proprietary software or other technology required to operate the Web & App or the Services, and any modifications or improvements thereto, including any derivative works, are retained by us and protected under applicable Intellectual Property Rights. 9.2. By activating your Wallet, we grant you a limited permission to use the Web & App solely for the purpose of benefiting from the Services in accordance with these Terms. In particular and without limitation, this permission does not grant you the right to create, author or invent any modifications or improvements to, or derivative works of, the Web & App. We may suspend or terminate this permission in accordance with Clause 12. Notwithstanding the foregoing, nothing in these Terms grants you any permission or right to use our trademarks, service marks, trade dress, slogans, logos or other indicia of origin. 9.3. If you submit any ideas, suggestions or other feedback to us about the Web & App or the Services, you grant to us the right to use or disclose such feedback without any further obligation to you. All rights not expressly granted to you under these Terms are reserved by us. 10.1. You have the right to cancel your Wallet and these Terms for any reason within a ‘cooling-off’ period of fourteen (14) days from the date on which your Wallet is registered. You must contact us within this fourteen (14) day period and inform us that you wish to withdraw from your purchase and these Terms and you must not make any Transactions. We will then cancel your Wallet and reimburse your Available Balance to you within fourteen (14) Business Days of our receipt of your cancellation request. 10.2. If you wish to exercise your right of withdrawal, please refer to the guidance hereon, which can be found at the end of these Terms. 10.3. If you fail to exercise your right to cancel under Clause 10.1, then these Terms shall remain in full force and effect and you may only terminate your Wallet and these Terms in accordance with Clauses 2.1 or 11. 11. Termination and Suspension 11.1. If you wish to terminate your Wallet, which means that the Terms are also terminated, at any time, you must inform us of your wish to terminate through the Web & App or by notifying us in accordance with Clause 15. 11.2. We may terminate or suspend your Wallet or your use of the Service immediately, as well as debit the funds available in the user’s account/balance if applicable, in the event that: 11.3. If there have been no Transactions on your Wallet for a period of at least one (1) year, we reserve the right to terminate it and these Terms. We will give you two months’ notice. 11.4. Upon termination of these Terms and your Wallet in accordance with this Clause 11, all pending Transactions will be processed and, if your Wallet has a positive balance, we will redeem your unused funds, within thirty (30) Business Days: 11.5. Upon termination of these Terms, unless otherwise expressly stated in Clause 12, the provisions of Clause 12 shall apply in such circumstances. 11.6. The Terms in effect as of the date of the termination of your Wallet will survive and continue to apply to any aspects of your use of the Web & App or the Service prior to termination, including your Wallet information, your Available Balance, any outstanding Transactions, and any relationship between you and a Merchant Operator or User formed with the assistance of the Web & App or the Service. 11.7. The termination or expiry of these Terms for whatever cause shall not affect any provision of this Agreement which is expressed or by implication intended to survive or operate in the event of termination or expiry of the Agreement, including but not limited to Clause 7 (Using Your Account), Clause 9 (Proprietary Rights), Clause 11 (Termination), Clause 12 (Redemption) and clause 13 (limitation of liability). 12.1. We will redeem, either in part or in full, the monetary value of the Available Balance on your Wallet, at any time, at par value, following instructions given by you to do so and subject to your payment of any applicable fees and the remainder of this Clause 12. 12.2. We reserve the right to carry out any necessary money-laundering, terrorist financing, fraud and other illegal activity and operational checks before authorizing any redemption or transfer of funds to you, including returning any funds after the termination of these Terms. Accordingly, there may be delays in the time between our receipt of your redemption request and your receipt of the relevant funds. 12.3. We do not guarantee the availability of any particular redemption method using a particular payment service provider and may make changes to or discontinue a particular redemption method at any time as long as there is at least one redemption method available to you. Where the redemption is received by you through the involvement of a payment service provider (e.g. the bank where you hold the beneficiary bank account), we shall not be responsible for the redemption payment once the funds are received by your payment service provider. 12.4. After we have approved the redemption of your funds, you must ensure that the payment details for the transfer are accurate and complete. Where you provide us with incorrect details, we will not be held liable for funds sent to the incorrect payment account or instrument. We reserve the right to charge you a fee in the event that you request our assistance in retrieving money from an incorrect payment account or instrument and transferring that money to the correct payment account or instrument. The fee will correspond to the actual costs incurred by Larstal in this regard. 12.5. You must be the named account holder of the account to which you instruct us to transfer the funds in the case of a redemption request. A breach of this requirement shall be treated as a breach of these Terms and / or a fraudulent act without prejudice to our right to claiming further Losses. If we are required to investigate a redemption for the transfer of funds to a payment account or instrument that is not under your name, we reserve the right to charge you a fee. The fee will correspond to the actual costs incurred by Larstal in this regard. 12.6. You accept that all redemption requests will be made in Euros and via a bank transfer to a designated account. In the instance where the redemptions are made to an account that is in another currency except Euros, you accept and agree that the amount to be redeemed will be converted from Euros by the Web & App to the applicable currency at the rate of exchange displayed on the Web & App at the time of that redemption request (please see our website for details of the source of the exchange rates used by the Web & App from time to time). You accept that such conversion shall be entirely at your own cost and risk, including the result of any fluctuation or difference between the rate of exchange displayed on the Web & App at the time the Inbound Transaction or Loading Transaction is made and at the time of the redemption request. 12.7. If, following any redemption, Outbound Transactions are found to have been made or fees incurred using your Wallet that exceed your Available Balance, we will notify you of any such outstanding amounts, and you shall pay any such amounts to us on demand. 13.1. If we fail to comply with these Terms, we shall be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we shall not be responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us when you activated your Wallet. 13.2. Except as provided in Clause 13.1, we shall not be liable under or in connection with these Terms for any loss of profits, business, revenue or savings (actual or anticipated), loss of agreements or contracts, loss of opportunity, loss of data or loss of, or damage to, goodwill or reputation (including as a result of your inability to participate in any goods, services or offerings of a Merchant Operator, to the extent that is caused by a failure in the Web & App or the Services or delays in the time required for E-Money to appear in your Wallet once you have performed a Loading Transaction or a Merchant Operator has authorized an Inbound Transaction); 13.3. You are solely responsible for your interactions with the Merchant Operator or User. Subject to Clause 5.4, we reserve the right, but have no obligation, to monitor or mediate any disputes between you and any Merchant Operator or Users. 13.4. Except as provided in Clause 13.1 where we have incorrectly and due to our fault: provided that, in each case, if we subsequently establish that the refunded or incremental credited amount had been correctly deducted or credited (as the case may be), we may deduct it from your Available Balance and, if you do not have sufficient Available Balance, you must repay us the amount immediately upon demand. 13.5. Notwithstanding Clause 6, we shall not be liable for any unauthorized or incorrectly executed Transactions in the event that the Transaction was affected by abnormal and unforeseeable circumstances beyond our reasonable control or where we acted in accordance with a legal or regulatory obligation. 13.6. Notwithstanding anything to the contrary in this Agreement, we have the rights to (i) freeze the funds in your Account and refuse to transfer funds out of your Account; or (ii) off set the balance in your Account by using your balance in a different currency, if: 13.7.1. Larstal, acting reasonably, determines that doing so: (i) is likely necessary or prudent to: (1) comply with Applicable Law; or (2) preserve or protect Larstal’s legal rights or remedies; or (ii) would likely assist with an investigation by Larstal or any governmental authority; 13.7.2. you have breached this Agreement; or 13.7.3. you have any unsatisfied debts, obligations, or liabilities to Larstal. 13.8. Abusive Actions. Situations, such as internet connectivity issues, latency, or other technical errors, may arise that could cause transactions on Larstal to not reflect usual business rules accurately. You shall not take advantage of these situations or other errors, bugs, or malfunctions of the Services, or otherwise take any abusive or manipulative trading actions that would provide you with undue commercial advantage or would otherwise not be in good faith. If Larstal, acting reasonably, determines that you have breached this Clause 13.8, Larstal may: (a) reverse all Transactions that are related to such breach; (b) cancel any Transaction that is related to such breach; (c) suspend or close your Account; or (d) freeze and set-off accordingly any funds available. 13.9. This Clause 13 shall survive cancellation of these Terms. 14.1. We shall not have any liability under, or be deemed to be in breach of, these Terms for any delays or failures in performance of any of our obligations under these Terms that result from a Force Majeure Event. 15. Contact Details and Notice 15.1. If you have any questions or concerns about the Services, or to report issues with your Wallet, please contact us by email at support@larstal.com. 15.2. You may serve notices to us in writing at the contact details at Clause 15.1. 15.3 You accept and agree that we may serve notices (excluding notices containing marketing or branding which requires your explicit consent) to you in writing to the email address linked to your Wallet. You may amend the same from time to time. 15.4. You agree that we may provide you with notices and other disclosures in connection with your Wallet and the Services by posting notices on the Web & App. 16.1. We may at any time transfer all or any of our rights and obligations under these Terms to any third party (including by way of merger, consolidation or the acquisition of all or substantially all of our business and assets relating to these Terms), but this will not affect your rights or our obligations under these Terms. 16.2. You may only transfer your rights or your obligations under these Terms to another person if we give our prior written consent to this. 16.3. This agreement is between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end the contract or make any changes to these Terms. 16.4. Nothing in these Terms is intended to, or shall be construed so as to, establish or imply any partnership or joint venture or a relationship of principal and agent between you and us or constitute either of you or us as the agent of the other party, or authorize you or us to make or enter into any commitments for or on behalf of the other party. 16.5. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. 16.6. If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you. 16.7. These Terms and the documents referred to in it, constitute the whole agreement between you and us relating to the subject matter of these Terms, and supersede any prior written or oral arrangement, understanding or agreement between them relating to such subject matter. 16.8. These Terms are provided to you in the English language. Where we have provided a translation of these Terms to you, you agree that such translation is provided for your convenience only and that the English language version of these Terms will govern your relationship with us. If there is any contradiction between the English language version of these Terms and any translation, the English language version takes precedence. 16.9. By participating in the initiative “Help AstroPay grow”, you are accepting that We will share your request to the Merchant together with users’ email, name and surname. Thank you for participating since through this initiative we are sure Merchants will understand how many users want the Merchant to add us to their cashier. 17. Governing Law and Jurisdiction 17.1. This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of Denmark. 17.2. Each party irrevocably agrees that the courts of Denmark shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims). 18. Complaints Handling 18.1. LARSTAL Denmark is a private limited company registered in Denmark under company number 42457590, and whose registered office address is Applebys Pl. 7, 1411, Copenhagen, Denmark is authorized by the Danish Financial Supervisory Authority (Finanstilsynet) as an electronic money institution. We refer to the register of the Danish FSA where Larstal Denmark has received FTID 40514 (Link) Larstal Denmark will ensure all customers have access to the complaints policy and procedure upon request and will include a copy of this document in any written acknowledgement of a complaint, to ensure the customer is aware of his or her rights in following up the complaint. 18.2. If you wish to make a complaint about the Services, you can email us at support@larstal.com, with brief details of your complaint and the phone number and email address associated with your Account or request our complaint form and send to our service email address on the form. Alternative procedures are stipulated in the Complaints Policy and Procedures. We will acknowledge your complaint by email within three business days. 18.3. If the complaint is not resolved by the end of three business days after it’s received, we initiate a formal complaint handling procedure. The email will contain details of the complaints handling procedure and your right to refer the complaint to the Danish Financial Complaint Board or the Danish Consumer Ombudsman if you are dissatisfied with our assessment and ruling. 18.4. We will send you a final response to your complaint within 15 days upon receipt regarding the complaints about rights and obligations arising under Parts 5 and 6 of the Payment Act or within eight (8) weeks upon receipt regarding complaints not related to rights and obligations arising under Parts 5 and 6 of the Payment Act. Should it not be possible to resolve your complaint in this timeframe, we will provide you with a date when we will respond to you, with a reason why, or in any case this will be no later than 35 business days from the date when the complaint was received. 18.5. If you have a complaint about any regulated aspect of the Services that we cannot resolve within the terms specified in Clause 18.4, such complaint may be referred to the Danish Financial Complaint Board St. Kongensgade 62, 2., 1264 Copenhagen, Denmark (further details can be found at www.fanke.dk) or the Danish Consumer Ombudsman, Carl Jacobsens Vej 35, 2500 Valby, Denmark (further details can be found at www.forbrugerombudsmanden.dk/consumer-ombudsman/). It’s also possible to send a complaint to The European Online Dispute Resolution (ODR) ( ec.europa.eu/consumers/odr) or, if you reside in one of the countries listed in Annex A, to the authorities specified therein. Guide on the Right of Withdrawal The withdrawal period is 14 days. The period is generally calculated from the day you entered into the agreement, such as signing the contract or placing the order. According to the Danish Consumer Contracts Act, you are entitled to receive various information, including details about the right of withdrawal and the ordered service. The withdrawal period does not commence until you have received this information in writing (e.g., on paper or via email). For instance, if you place your order on Monday the 1st and have also received the mentioned information, your deadline is through Monday the 15th. If you receive the information later, for example, on Wednesday the 3rd, your deadline is through Wednesday the 17th. If the deadline falls on a public holiday, Saturday, Constitution Day, Christmas Eve, or New Year's Eve, you may wait until the following business day. Before the expiration of the withdrawal period, you must notify us that you have decided to withdraw from the agreement. If you choose to provide this notification in writing – for example, by letter or email – you only need to send the notification before the deadline. If you want to ensure proof of timely withdrawal, consider sending the letter by registered mail and retain the postal receipt. Notification of withdrawal must be sent to: Name: Larstal Denmark ApS, Applebys Pl. 7, 1411, Copenhagen, Denmark Email: support@larstal.com If you reside in Spain: The Bank of Spain’s Complaints Service (Servicio de Reclamaciones del Banco de España) Website: https://www.bde.esPhone: +34 91 338 88 30Email: reclamaciones@bde.es If you reside in Portugal: The Bank of Portugal’s Complaints Service (Provedor do Cliente Bancário do Banco de Portugal) Website: https://clientebancario.bportugal.ptPhone: +351 21 313 01 00Email: info@bportugal.pt ‍If you reside in Austria: Federal Ministry of Labour, Social Affairs and Consumer Protection Website: https://www.sozialministerium.at/en.htmlPhone: +43 1 711 00 If you reside in Croatia: Croatian National Bank (HNB) Website: https://www.hnb.hr/en/Phone: +385 1 4564 555 Email: info@hnb.hr If you reside in France: Autorité de Contrôle Prudentiel et de Résolution (ACPR) Website: https://acpr.banque-france.fr/ Phone: +33 1 49 95 40 00 Email: info-acpr@acpr.banque-france.fr If you reside in Germany: Website: https://www.bafin.de/EN/ Phone: +49 228 4108 0 Email: poststelle@bafin.de If you reside in Italy: Bank of Italy (Banca d'Italia) Website: https://www.bancaditalia.it/ Phone: +39 06 47921 Email: email@bancaditalia.it If you reside in the Netherlands: Netherlands Authority for the Financial Markets (AFM) Website: https://www.afm.nl/en Phone: +31 20 797 2000 Email: info@afm.nl If you reside in Norway: Financial Supervisory Authority of Norway (Finanstilsynet) Website: https://www.finanstilsynet.no/en/ Phone: +47 22 93 98 00 Email: post@finanstilsynet.no If you reside in Poland: Polish Financial Supervision Authority (KNF) Website: https://www.knf.gov.pl/en/ Phone: +48 22 262 50 00 Email: knf@knf.gov.pl If you reside in Sweden: Swedish Financial Supervisory Authority (Finansinspektionen) Website: https://www.fi.se/en/ Phone: +46 8 408 980 00 Email: finansinspektionen@fi.se If you reside in Bulgaria: Commission for Consumer Protection Website: https://www.kzp.bg/en Phone: +359 2 933 0565 Email: info@kzp.bg 1. Larstal does not charge any direct Fees to you as User. 2. The only applicable cost arises from currency conversion, where the final exchange rate may vary depending on the market rate and its volatility at the time of the transaction. 3. Idleness Fee, from EUR 50 up to fifty percent (50%) of the Available Balance per month if you fail to respond to information or regulatory inquiries. --- ### Page: https://www.astropay.com/pt/europe/denmark/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: pt-BR Canonical URL: https://www.astropay.com/pt/europe/denmark/t-c-agreement-for-individuals ## Headings Structure: H1: T&C Agreement (for individuals) H2: Baixe o app do AstroPay ## Main Content: H1: T&C Agreement (for individuals) H6: Annex A H2: Baixe o app do AstroPay Greetings from AstroPay! We're excited to have you on board. Get ready for an exceptional journey with us as we strive to #empower your money. Below, you'll find a simplified overview of our Terms and Conditions. While we've done our best to make it user-friendly, we encourage you to review the full version for a comprehensive understanding of your agreement with AstroPay. AstroPay is a global wallet which among other offers online payments, AstroPay Card and peer-to-peer money transfers. We aim to provide top-notch systems and technology. All operations within the EEA are done through Larstal Denmark ApS, a private limited company registered in Denmark. Larstal Denmark ApS is authorized by the Danish Financial Supervisory Authority (Finanstilsynet) as an electronic money institution. 🧐 How do I get started? You may register for an account via the Web & App. Your account is activated once all the required information has been received in order to identify you and comply with all applicable know-your-customer (“KYC”) requirements (information such as phone number, e-mail address and passport details). Following activation of your Wallet, you will be able to use funds to load E-Money to your Wallet. You can then use your Wallet to make direct online payments and in return gain loyalty AstroPoints that can be redeemed for rewards or to make a withdrawal, make a peer-to-peer transaction or apply for an AstroPay Card. In the event of any chargeback that occurs during a Transaction, we reserve the right to suspend or cancel your Wallet. If a chargeback results in a negative balance, you are required to perform an additional loading transaction to load your Wallet with sufficient funds immediately. If you wish to redeem, you must ensure that the payment details for the transfer are accurate and complete. You must be the named account holder of the account to which you instruct us to transfer the funds in the case of a redemption request. You are solely responsible for preserving the security of Your Account. You represent and warrant that the information given by you is correct and true and that you shall not use the services for any illegal purpose nor deposit funds from any illegal source. If you believe that you did not authorize a particular transaction or that a Transaction was incorrectly executed you should contact at support@larstal.com without undue delay, cf. clause 6 of the Terms. Your Wallet is not a deposit account, which means that your funds will not be protected by any depositor or investor guarantee scheme in Denmark. Charges are implemented as detailed in the Terms, and such may be deducted from your Wallet without further notice. Such Fees are subject to potential changes over time, which we will duly communicate to you. 🔴 Cancellation, suspension and termination You may cancel, suspend or terminate your agreement with AstroPay according to the Terms. We reserve the right to suspend or terminate your account or the services we provide without prior notice. If that’s the case we will proceed in accordance with section 11 of the Terms. 🤨Indemnity and Liability While we anticipate such occurrences to be rare, in the event that they do arise, you consent to indemnify us for any actions resulting from your improper use of the services and applications or violation of the terms. To the maximum extent permitted by applicable law, under no circumstances shall AstroPay bear responsibility for any direct, indirect, special, incidental, or consequential loss of any nature. cf. The Terms clause 13. In relation to AstroPay’s liability in general, we refer to the Terms. 📬 Contact and complaints Larstal Denmark will ensure all customers have access to the complaints policy and procedure upon request. If you have any questions or concerns about the Services, or you want to make a complaint, please contact us by email at support@larstal.com. 🏛️ Dispute Resolution This Agreement and any disagreements related to it will be governed by and interpreted according to the laws of Denmark. Both parties agree that any disputes regarding this Agreement will be settled exclusively by the courts of Denmark IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by Larstal Denmark ApS a Danish company with registered office at Applebys Pl. 7, 1411, Copenhagen, Denmark (“Larstal”, “we”, “us” or “our”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: 1. Definitions & Interpretation 1.1. In these Terms, capitalized words and expressions have the following meanings, unless otherwise stated: 2. Changes to these Terms 2.1. We may update or amend these Terms without your explicit consent if it is necessary due to: - changes in the services, market conditions, technology/systems, applicable law, regulation and/or market practice; - protection against risks outside our control; - customers promotions and other benefits; 2.2. Notice of any updates and amendments to these Terms will be given to you through notifications on the Web & App (or by email if deemed necessary) at least two (2) months in advance. By continuing to use our Services after that two (2) month period, you agree to be bound by the updated or amended terms. 3. Registration and Eligibility 3.1. You may register for an Account via the Web & App or other means that we may in the future prescribe. If you choose to register for an Account, you agree to provide us with true, accurate, current and complete information about yourself, and update us if there are any changes to that information or data. 3.2. You affirm that you are legally deemed as having full capacity and you are at least 18 years of age. 3.3. Your Wallet will not be activated unless we have been provided with the required information so that we may identify you, verify your age, and comply with all applicable know-your-customer (“KYC”) requirements (such as phone number, e-mail address and passport details). We shall keep records of the information and documents you provide in accordance with our Privacy Policy and all applicable legal and regulatory requirements. 3.4. We reserve the right to not accept your application for a Wallet or to open a Larstal Account and we are not obliged to provide the reason for declining your application. If we have reasonable grounds to suspect that any information you have provided to us is untrue, inaccurate or incomplete, we may suspend or terminate your Wallet and refuse any and all current or future use of the Services by you. 3.5. Your eligibility to access certain Services may depend on the country in which you reside or are based from time to time. You shall not attempt to access or make use of the Services from or in any jurisdiction where such access or use is prohibited by Applicable Laws. 4.1. We will provide the following services to you (collectively, the “Services”) in accordance with these Terms: 5. Access to your Account and use of the Services 5.1. You may access your Wallet by logging into your Larstal Account through the Web & App. From there, you will be able to see your Wallet history and Transaction activity, and view and edit your Wallet details. 5.2. You should check your Wallet history and Transaction activity regularly and contact us immediately in relation to any irregularities or enquiries. We shall not be liable for any Losses that result from any inaccurate information you provide. 5.3. To the extent that you are required to separately on-board with any Merchant Operator, you acknowledge and agree that we shall not be required to authorize any Transactions with that Merchant Operator unless and until you are separately on-boarded as required by them. You take full responsibility for ensuring that you are on-boarded with the relevant Merchant Operator prior to attempting to make a Transaction with that Merchant Operator. 5.4. The value of each Outbound Transaction will be deducted from your Available Balance and the value of each Inbound Transaction will be credited to your Available Balance. You must ensure that you have a sufficient Available Balance from time to time to pay for your Outbound Transactions and any fees relating to those Outbound Transactions. It is not possible to set up any spending limits. Once you’ve confirmed a Transaction on the check-out page, you’ve given adequate consent to execute the transaction. You will receive a Transaction receipt within maximum 10 minutes from your confirmation. You can see all pending Transactions in the app, and it is possible to cancel a Transaction as long as it appears as pending. For instant Transaction, you’ll need to request for a refund according to these terms and conditions. 5.5. If for any reason (a) an Outbound Transaction that you request, or (b) the deduction of applicable fees would result in your Wallet having a negative balance, we will not process that Outbound Transaction. Not processing an Outbound Transaction in the circumstances described in this Clause 5.5 will not constitute a breach of these Terms. 5.6. We may refuse to authorize any Transactions or a use of the Services that could breach these Terms, or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other illegal or unauthorized use of the Services. Nevertheless, we are not a party to any Transactions, and, as further set forth in Clause 13 below, we disclaim any liability for any failures, breaches, acts or omissions of the Merchant Operator in connection with the Transactions. 5.7. You are solely responsible for resolving any disputes you may have with the Merchant Operator in connection with Transactions or otherwise. We may, but we are not required, to assist you in your dispute with a Merchant Operator. If we do elect to assist you in a dispute with a Merchant Operator or User, you hereby acknowledge that such assistance shall not constitute a waiver of any provision of these Terms, including this Clause 5.7 or Clause 13. 5.8. Your ability to use or access the Services or your Wallet may occasionally be interrupted, for example if we need to carry out maintenance on our systems. Please contact us in accordance with Clause 15 if you wish to report any issues. 6. Loading your Wallet 6.1. Following activation of your Wallet, you will be able to use funds to load E-Money to your Wallet (“Loading Transaction”). We may ask you to answer security questions or to complete other activities that we may reasonably require to ensure proper authorization of a Loading Transaction. Unless otherwise expressly agreed pursuant to a separate Service, we will not extend you credit. 6.2. To initiate a Loading Transaction, you must log into your Account through the Web & App by using your Wallet details and follow the relevant instructions. The payment method for loading E-Money to your Wallet will depend on the country in which you reside. 6.3. For a list of the permitted methods for Loading Transactions in your country of residence, please visit our website. Please note that we may change this list at our sole discretion from time to time. The execution of your payments by third party payment providers in order to load your Wallet with E-Money are not part of our Services. We do not guarantee your ability to use any particular third-party payment provider to complete a Loading Transaction and we may discontinue accepting payments processed by any such third-party payment provider at any time in our sole discretion. 6.4. We reserve the right to suspend or cancel your Wallet in the event of any chargeback that occurs during any Loading Transaction or any Transaction. In the event that any chargeback results in a negative balance on your Wallet, you are required to perform an additional Loading Transaction to load your Wallet with sufficient funds immediately. We reserve the right to send you reminders or to take other debt collection measures, and we may charge a fee in connection with any debt collection or enforcement measures according to the applicable regulation. 6.5. If you believe that you did not Authorize a particular Transaction or that a Transaction was incorrectly executed you should contact at support@larstal.com without undue delay. 6.6. The maximum execution time for a Transaction is 48 hours. We will not be held liable for any Transaction that was unauthorized or incorrectly executed if you have failed to contact us without undue delay and - in all circumstances- later than 13 months after debiting the payment transaction in question. For objections from the payee, the time limit shall be 13 months after the date of crediting. You should also confirm the disputed Transaction by writing (email to support@larstal.com.) setting out full details of the Transaction and your reason for disputing it. 6.7. Subject to you notifying us without undue delay, we shall refund to you the amount of any Transaction not Authorized by you immediately unless otherwise stated in the Danish Payment Act 61-70, hereunder clauses 6.8- 6.16. 6.8. You shall only be liable pursuant to subsections 6.9.1-6.9.5, if the transaction is correctly recorded and entered in the accounts. In the event of unauthorized use of a payment instrument, the payer’s provider shall immediately repay the amount to the payer. You shall be liable without limit, however, for losses arising as a consequence of the payer having acted fraudulently or having failed to (1) take all the measures necessary to protect the personalized security features of the payment instrument, (2) use the payment instrument in accordance with the terms governing the issue and use of the payment instrument or (3) notify us without undue delay on becoming aware of loss, misappropriation or other unauthorized use of the payment instrument. 6.8.1: Unless greater liability is provided by subsection 6.8.2 or 6.8.5, you shall be liable for up to DKK 1,100 for losses consequential upon unauthorized use of the payment instrument by others, if the personalized security features of the payment instrument have been applied. 6.8.2 Unless greater liability is provided by subsection 6.8.5, you shall be liable for up to DKK 8,000 for losses consequential upon unauthorized use of the payment instrument by others, if we confirm that the personalized security features of the payment instrument have been applied, and a) that you have omitted to notify us as soon as possible after becoming aware that the payment instrument is missing, or that the unauthorized person has become acquainted with the personalized security features, b) that you have surrendered the personalized security features to the person who has executed unauthorized use and the matter is not subject to subsection 6.8.5, or c) that, through grossly inappropriate conduct, you have made the unauthorized use possible. 6.8.3 You shall be liable for up to DKK 8,000 for losses consequential upon unauthorized use of the payment instrument by others, if the payment instrument has been read physically or electronically and, in this connection, the unauthorized person has used a false signature and we justify it. a) that you, or a person to whom you have entrusted the payment instrument, has omitted to notify us as soon as possible after becoming aware that the payment instrument is missing, or b) that you, or a person to whom you have entrusted the payment instrument, through grossly inappropriate conduct, has made the unauthorized use possible. 6.8.4 If you are liable pursuant to subsections 6.8.2 and 6.8.3, the total liability shall not exceed DKK 8,000. 6.8.5 You shall be liable without limit for losses consequential upon unauthorized use of the payment instrument by others in the event that the personalized security features of the payment instrument have been applied and the payer’s provider confirms that the payer has notified the personalized security features to the person who has carried out the unauthorized use, and that this has taken place under circumstances in which you realized, or should have realized, there was a risk of misuse. 6.9 Notwithstanding subsections 6.8.1-6.8.5, we shall be liable for unauthorized use which takes place after we have been notified that the payment instrument is missing, that an unauthorized person has become acquainted with the personalized security features, or that for some other reason you wish to have the payment instrument blocked. 6.10 Notwithstanding subsections 6.8.1-6.8.5, we shall be liable for unauthorized use, if the provider has not taken appropriate measures, in accordance with the Danish payment Act section 60(1), no. 2. 6.11 Notwithstanding subsections 6.8.1-6.8.5, we shall also be liable, if you knew, or should have known, that unauthorized use of the payment instrument existed. 6.12 Subsections 6.8.1-6.8.6 shall apply to electronic money unless it is not possible for us to block the payment account or the payment instrument. 6.13 We shall have the burden of proof that a payment transaction has been correctly recorded, entered in the accounts and has not been affected by a technical breakdown or some other deficiency. When using a payment instrument, we shall also have the burden of proof that the personalized security features of the payment instrument have been applied in connection with the payment transaction. Recording use of a payment instrument shall not in itself constitute proof that you have approved the transaction, that you have acted fraudulently, or that you have omitted to meet his obligations according to section 6.9. 6.14 You shall have the right of refund from his provider of the full amount of a concluded payment transaction which was initiated by or through the payee, provided 1) you have not approved the exact amount of the payment transaction, and 2) the amount of the payment transaction exceeded the amount you could reasonably have expected, amongst other things taking into account his previous spending pattern and the conditions in his framework contract. Changes in the exchange rate, when this is calculated on the basis of a reference exchange rate, may not be invoked when 16.14 no. 2 is applied. 6.14.1 You have no right to a refund in accordance with this subsection where you have given his consent to execute the payment transactions covered by this section directly to the payer’s provider and, where applicable, information on the future payment transaction was provided or made available in an agreed manner to the payer at least four weeks before the due date by the provider or by the payee. 6.14.2 A request for refund according to this subsection, shall be received by us no later than eight weeks after debiting the payment transaction in question. 6.14.3 We shall, no later than ten business days after receiving a request for a refund according to this subsection either refund the full amount of the payment transaction or provide justification for refusing the refund, indicating the possibilities for appeal. 6.15 A payment order, executed in accordance with the unique identifier (an encrypted 9-digit number) stated on the payment order, shall be considered as correctly executed. We shall take all reasonable measures to reimburse the funds involved in a payment transaction in which the user has notified an incorrect unique identifier. The framework contract may state that the provider of payment services may demand payment for reimbursing this amount. 6.16 If a payment order is initiated by you, we shall be liable for direct losses consequential upon non-execution or defective execution of the payment transaction unless we can prove that we have received the amount in accordance with section 75 in the Danish Payment Act. After we have received the amount, we shall be liable to you for direct losses consequential upon non-execution or defective execution of the payment transaction. We shall, however, always make efforts to trace the payment transaction and notify you of the outcome. If a payment order is initiated by or through you, we shall be liable to the payee for direct losses consequential upon non-execution or defective transmission of the payment order to the payer's provider, cf. section 75 in the Danish Payment Act. We shall, however, always make efforts to trace the payment transaction and notify the payee of the outcome. We, who may have compensated for a loss, consequential upon conditions at another provider or third party, may demand the compensation refunded by the person in question. If a payment is missing or delayed under the circumstances mentioned here, remedies for breach may not for this reason be made applicable to you, except for demands for interest. If the amount has been debited to your account, payment shall be in full satisfaction of all claims for you. 6.17. You must not load your Wallet through a debit card or other payment instrument or a payment account if you are not the named holder of that payment instrument or account. Any attempt to use a payment instrument or account of which you are not the named holder will be considered a fraudulent act. Without prejudice to claiming further Losses, if we are required to return funds loaded from a payment instrument or account that is not in your name, we may charge a fee corresponding to Larstal’s actual costs in this regard. 6.18. Our processing of all Loading Transactions will be subject to our usual fraud, money laundering and other operational and customer service checks. Accordingly, there may be delays in the time required for E-Money to appear in your Wallet once you have performed a Loading Transaction. Unless we expressly state otherwise, we shall not act as a merchant in relation to any Transaction. 6.19. You accept and agree that a Loading Transaction made in a currency other than Euros will be converted into Euros by the Web & App at the prevailing rate of exchange displayed on the Web & App at the time of that Loading Transaction (please see our website for details of the source of the exchange rates used by the Web & App from time to time). You accept that such conversion shall be entirely at your own cost and risk, including the result of any fluctuation or difference between the rate of exchange displayed on the Web & App at the time of the Loading Transaction and at the time of the redemption request. 6.20. If you perform a Loading Transaction by debit card, your payment information will be stored securely in accordance with Applicable Laws. All credit/debit card information is protected according to PCI_DSS regulations, where all cardholder data and/or sensitive authentication data is processed by a certified PCI DSS service provider Level 1. We do not store, transmit nor process cardholder data and/or sensitive authentication data, restricting interactions to only tokenized information. 6.21. Your Wallet is not a deposit account, which means that your funds will not be protected by any depositor or investor guarantee scheme in Denmark. However, we will hold funds received in a designated safekeeping account with a regulated financial institution in accordance with the Payment Act, and those funds will not be used by us other than on your instructions in connection with your Wallet. Your Wallet does not grant or accrue any interest or bonuses related to the duration of time that you hold E-Money with us. 6.22 Users are specifically prohibited from using AstroPay Wallet in sites which are prohibited businesses as per their local laws. As an example, a Danish user shall not use the Wallet in prohibited businesses as per Danish law. Any noncompliance with the aforementioned shall be considered breach of these terms and conditions. 7. Fees and using your Wallet 7.1 You agree that any fees as set out in Annex A, and other amounts due and payable to us under these Terms may be debited from your Wallet without further notice. The redemption fees will correspond to Larstal’s costs in connection with the redemption (see further clause 12). Such deductions may be made at any time, and without us notifying you, but these will be reflected in the information in your Account. We further reserve the right to change our Fees upon two (2) months’ notice given to you through notification on the Web & App (or by email if deemed necessary) prior to such changes going into effect. Reasons why we may change our fees may be: - changes in the exchanges available to us and their offerings - changes to the costs of fundings our services 7.1 Managing your Wallet. You are responsible for: 7.2. If you fail to respond to one or more actions, requests, or requirements communicated by AstroPay within the specified timeframe, AstroPay reserves the right to charge an idleness fee (the “Idleness Fee”). The nature of such requests, including the applicable deadlines, will be clearly indicated in the relevant communication. The Idleness Fee is intended to cover administrative costs and ensure timely compliance with regulatory obligations. Subject to prior notice, the Idleness Fee may range from EUR 50 up to fifty percent (50%) of the Available Balance per month, at Larstal’s sole discretion. Such fee may be debited directly from your Wallet without further notice. 7.3. Account username and password. Do not share your username or password with anyone. If you disclose your username or password to anyone, you are responsible and liable for their access, use or misuse of your Wallet. If your username, password or other Wallet details are lost, stolen or compromised, or you believe a third party has unauthorized access to your Wallet, you must contact us immediately in accordance with Clause 15. We will take reasonable steps to stop unauthorized use of your Wallet, which may include suspending or canceling your Wallet or otherwise suspending access to the E-Money. 8. Changes to your Wallet details 8.1. Changes to your Account Details. You must notify us immediately of any change in your Wallet details. We cannot guarantee proper performance of the Services in the event the Wallet details you have provided are not accurate or become inaccurate. We disclaim all liability for any Losses that may result from such inaccuracies. You can notify us by contacting us in accordance with Clause 15, and we may require you to confirm such notification in writing or through other factors of authentication (which may include messages or calls to your mobile phone, or confirmation mail to your physical address). You will be liable for any Loss that directly results from any failure to notify us of any change. In order to verify a new address, you must provide any proof that we require. 8.2. Verifying your identity. We reserve the right at any time to seek verification as to your identity and address (for example, by requesting relevant original documents), including for the purposes of preventing fraud and/or money laundering. In addition, at the time of your application or at any time in the future, we may perform, in connection with your Wallet, electronic identity verification checks either directly or using relevant third parties. You agree to provide us with the information we request for purposes of identity verification and the detection of money laundering, terrorist financing, fraud or any other financial crime, and we will keep a record of such information in accordance with our Privacy Policy. If you fail to provide the requested information, we reserve the right to suspend your Wallet pending receipt and verification of that information. 9. Proprietary Rights 9.1. All rights, title and interest in, and to, the Intellectual Property Rights subsisting in, or embodied by, the Web & App, the Services, any proprietary software or other technology required to operate the Web & App or the Services, and any modifications or improvements thereto, including any derivative works, are retained by us and protected under applicable Intellectual Property Rights. 9.2. By activating your Wallet, we grant you a limited permission to use the Web & App solely for the purpose of benefiting from the Services in accordance with these Terms. In particular and without limitation, this permission does not grant you the right to create, author or invent any modifications or improvements to, or derivative works of, the Web & App. We may suspend or terminate this permission in accordance with Clause 12. Notwithstanding the foregoing, nothing in these Terms grants you any permission or right to use our trademarks, service marks, trade dress, slogans, logos or other indicia of origin. 9.3. If you submit any ideas, suggestions or other feedback to us about the Web & App or the Services, you grant to us the right to use or disclose such feedback without any further obligation to you. All rights not expressly granted to you under these Terms are reserved by us. 10.1. You have the right to cancel your Wallet and these Terms for any reason within a ‘cooling-off’ period of fourteen (14) days from the date on which your Wallet is registered. You must contact us within this fourteen (14) day period and inform us that you wish to withdraw from your purchase and these Terms and you must not make any Transactions. We will then cancel your Wallet and reimburse your Available Balance to you within fourteen (14) Business Days of our receipt of your cancellation request. 10.2. If you wish to exercise your right of withdrawal, please refer to the guidance hereon, which can be found at the end of these Terms. 10.3. If you fail to exercise your right to cancel under Clause 10.1, then these Terms shall remain in full force and effect and you may only terminate your Wallet and these Terms in accordance with Clauses 2.1 or 11. 11. Termination and Suspension 11.1. If you wish to terminate your Wallet, which means that the Terms are also terminated, at any time, you must inform us of your wish to terminate through the Web & App or by notifying us in accordance with Clause 15. 11.2. We may terminate or suspend your Wallet or your use of the Service immediately, as well as debit the funds available in the user’s account/balance if applicable, in the event that: 11.3. If there have been no Transactions on your Wallet for a period of at least one (1) year, we reserve the right to terminate it and these Terms. We will give you two months’ notice. 11.4. Upon termination of these Terms and your Wallet in accordance with this Clause 11, all pending Transactions will be processed and, if your Wallet has a positive balance, we will redeem your unused funds, within thirty (30) Business Days: 11.5. Upon termination of these Terms, unless otherwise expressly stated in Clause 12, the provisions of Clause 12 shall apply in such circumstances. 11.6. The Terms in effect as of the date of the termination of your Wallet will survive and continue to apply to any aspects of your use of the Web & App or the Service prior to termination, including your Wallet information, your Available Balance, any outstanding Transactions, and any relationship between you and a Merchant Operator or User formed with the assistance of the Web & App or the Service. 11.7. The termination or expiry of these Terms for whatever cause shall not affect any provision of this Agreement which is expressed or by implication intended to survive or operate in the event of termination or expiry of the Agreement, including but not limited to Clause 7 (Using Your Account), Clause 9 (Proprietary Rights), Clause 11 (Termination), Clause 12 (Redemption) and clause 13 (limitation of liability). 12.1. We will redeem, either in part or in full, the monetary value of the Available Balance on your Wallet, at any time, at par value, following instructions given by you to do so and subject to your payment of any applicable fees and the remainder of this Clause 12. 12.2. We reserve the right to carry out any necessary money-laundering, terrorist financing, fraud and other illegal activity and operational checks before authorizing any redemption or transfer of funds to you, including returning any funds after the termination of these Terms. Accordingly, there may be delays in the time between our receipt of your redemption request and your receipt of the relevant funds. 12.3. We do not guarantee the availability of any particular redemption method using a particular payment service provider and may make changes to or discontinue a particular redemption method at any time as long as there is at least one redemption method available to you. Where the redemption is received by you through the involvement of a payment service provider (e.g. the bank where you hold the beneficiary bank account), we shall not be responsible for the redemption payment once the funds are received by your payment service provider. 12.4. After we have approved the redemption of your funds, you must ensure that the payment details for the transfer are accurate and complete. Where you provide us with incorrect details, we will not be held liable for funds sent to the incorrect payment account or instrument. We reserve the right to charge you a fee in the event that you request our assistance in retrieving money from an incorrect payment account or instrument and transferring that money to the correct payment account or instrument. The fee will correspond to the actual costs incurred by Larstal in this regard. 12.5. You must be the named account holder of the account to which you instruct us to transfer the funds in the case of a redemption request. A breach of this requirement shall be treated as a breach of these Terms and / or a fraudulent act without prejudice to our right to claiming further Losses. If we are required to investigate a redemption for the transfer of funds to a payment account or instrument that is not under your name, we reserve the right to charge you a fee. The fee will correspond to the actual costs incurred by Larstal in this regard. 12.6. You accept that all redemption requests will be made in Euros and via a bank transfer to a designated account. In the instance where the redemptions are made to an account that is in another currency except Euros, you accept and agree that the amount to be redeemed will be converted from Euros by the Web & App to the applicable currency at the rate of exchange displayed on the Web & App at the time of that redemption request (please see our website for details of the source of the exchange rates used by the Web & App from time to time). You accept that such conversion shall be entirely at your own cost and risk, including the result of any fluctuation or difference between the rate of exchange displayed on the Web & App at the time the Inbound Transaction or Loading Transaction is made and at the time of the redemption request. 12.7. If, following any redemption, Outbound Transactions are found to have been made or fees incurred using your Wallet that exceed your Available Balance, we will notify you of any such outstanding amounts, and you shall pay any such amounts to us on demand. 13.1. If we fail to comply with these Terms, we shall be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we shall not be responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us when you activated your Wallet. 13.2. Except as provided in Clause 13.1, we shall not be liable under or in connection with these Terms for any loss of profits, business, revenue or savings (actual or anticipated), loss of agreements or contracts, loss of opportunity, loss of data or loss of, or damage to, goodwill or reputation (including as a result of your inability to participate in any goods, services or offerings of a Merchant Operator, to the extent that is caused by a failure in the Web & App or the Services or delays in the time required for E-Money to appear in your Wallet once you have performed a Loading Transaction or a Merchant Operator has authorized an Inbound Transaction); 13.3. You are solely responsible for your interactions with the Merchant Operator or User. Subject to Clause 5.4, we reserve the right, but have no obligation, to monitor or mediate any disputes between you and any Merchant Operator or Users. 13.4. Except as provided in Clause 13.1 where we have incorrectly and due to our fault: provided that, in each case, if we subsequently establish that the refunded or incremental credited amount had been correctly deducted or credited (as the case may be), we may deduct it from your Available Balance and, if you do not have sufficient Available Balance, you must repay us the amount immediately upon demand. 13.5. Notwithstanding Clause 6, we shall not be liable for any unauthorized or incorrectly executed Transactions in the event that the Transaction was affected by abnormal and unforeseeable circumstances beyond our reasonable control or where we acted in accordance with a legal or regulatory obligation. 13.6. Notwithstanding anything to the contrary in this Agreement, we have the rights to (i) freeze the funds in your Account and refuse to transfer funds out of your Account; or (ii) off set the balance in your Account by using your balance in a different currency, if: 13.7.1. Larstal, acting reasonably, determines that doing so: (i) is likely necessary or prudent to: (1) comply with Applicable Law; or (2) preserve or protect Larstal’s legal rights or remedies; or (ii) would likely assist with an investigation by Larstal or any governmental authority; 13.7.2. you have breached this Agreement; or 13.7.3. you have any unsatisfied debts, obligations, or liabilities to Larstal. 13.8. Abusive Actions. Situations, such as internet connectivity issues, latency, or other technical errors, may arise that could cause transactions on Larstal to not reflect usual business rules accurately. You shall not take advantage of these situations or other errors, bugs, or malfunctions of the Services, or otherwise take any abusive or manipulative trading actions that would provide you with undue commercial advantage or would otherwise not be in good faith. If Larstal, acting reasonably, determines that you have breached this Clause 13.8, Larstal may: (a) reverse all Transactions that are related to such breach; (b) cancel any Transaction that is related to such breach; (c) suspend or close your Account; or (d) freeze and set-off accordingly any funds available. 13.9. This Clause 13 shall survive cancellation of these Terms. 14.1. We shall not have any liability under, or be deemed to be in breach of, these Terms for any delays or failures in performance of any of our obligations under these Terms that result from a Force Majeure Event. 15. Contact Details and Notice 15.1. If you have any questions or concerns about the Services, or to report issues with your Wallet, please contact us by email at support@larstal.com. 15.2. You may serve notices to us in writing at the contact details at Clause 15.1. 15.3 You accept and agree that we may serve notices (excluding notices containing marketing or branding which requires your explicit consent) to you in writing to the email address linked to your Wallet. You may amend the same from time to time. 15.4. You agree that we may provide you with notices and other disclosures in connection with your Wallet and the Services by posting notices on the Web & App. 16.1. We may at any time transfer all or any of our rights and obligations under these Terms to any third party (including by way of merger, consolidation or the acquisition of all or substantially all of our business and assets relating to these Terms), but this will not affect your rights or our obligations under these Terms. 16.2. You may only transfer your rights or your obligations under these Terms to another person if we give our prior written consent to this. 16.3. This agreement is between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end the contract or make any changes to these Terms. 16.4. Nothing in these Terms is intended to, or shall be construed so as to, establish or imply any partnership or joint venture or a relationship of principal and agent between you and us or constitute either of you or us as the agent of the other party, or authorize you or us to make or enter into any commitments for or on behalf of the other party. 16.5. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. 16.6. If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you. 16.7. These Terms and the documents referred to in it, constitute the whole agreement between you and us relating to the subject matter of these Terms, and supersede any prior written or oral arrangement, understanding or agreement between them relating to such subject matter. 16.8. These Terms are provided to you in the English language. Where we have provided a translation of these Terms to you, you agree that such translation is provided for your convenience only and that the English language version of these Terms will govern your relationship with us. If there is any contradiction between the English language version of these Terms and any translation, the English language version takes precedence. 16.9. By participating in the initiative “Help AstroPay grow”, you are accepting that We will share your request to the Merchant together with users’ email, name and surname. Thank you for participating since through this initiative we are sure Merchants will understand how many users want the Merchant to add us to their cashier. 17. Governing Law and Jurisdiction 17.1. This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of Denmark. 17.2. Each party irrevocably agrees that the courts of Denmark shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims). 18. Complaints Handling 18.1. LARSTAL Denmark is a private limited company registered in Denmark under company number 42457590, and whose registered office address is Applebys Pl. 7, 1411, Copenhagen, Denmark is authorized by the Danish Financial Supervisory Authority (Finanstilsynet) as an electronic money institution. We refer to the register of the Danish FSA where Larstal Denmark has received FTID 40514 (Link) Larstal Denmark will ensure all customers have access to the complaints policy and procedure upon request and will include a copy of this document in any written acknowledgement of a complaint, to ensure the customer is aware of his or her rights in following up the complaint. 18.2. If you wish to make a complaint about the Services, you can email us at support@larstal.com, with brief details of your complaint and the phone number and email address associated with your Account or request our complaint form and send to our service email address on the form. Alternative procedures are stipulated in the Complaints Policy and Procedures. We will acknowledge your complaint by email within three business days. 18.3. If the complaint is not resolved by the end of three business days after it’s received, we initiate a formal complaint handling procedure. The email will contain details of the complaints handling procedure and your right to refer the complaint to the Danish Financial Complaint Board or the Danish Consumer Ombudsman if you are dissatisfied with our assessment and ruling. 18.4. We will send you a final response to your complaint within 15 days upon receipt regarding the complaints about rights and obligations arising under Parts 5 and 6 of the Payment Act or within eight (8) weeks upon receipt regarding complaints not related to rights and obligations arising under Parts 5 and 6 of the Payment Act. Should it not be possible to resolve your complaint in this timeframe, we will provide you with a date when we will respond to you, with a reason why, or in any case this will be no later than 35 business days from the date when the complaint was received. 18.5. If you have a complaint about any regulated aspect of the Services that we cannot resolve within the terms specified in Clause 18.4, such complaint may be referred to the Danish Financial Complaint Board St. Kongensgade 62, 2., 1264 Copenhagen, Denmark (further details can be found at www.fanke.dk) or the Danish Consumer Ombudsman, Carl Jacobsens Vej 35, 2500 Valby, Denmark (further details can be found at www.forbrugerombudsmanden.dk/consumer-ombudsman/). It’s also possible to send a complaint to The European Online Dispute Resolution (ODR) ( ec.europa.eu/consumers/odr) or, if you reside in one of the countries listed in Annex A, to the authorities specified therein. Guide on the Right of Withdrawal The withdrawal period is 14 days. The period is generally calculated from the day you entered into the agreement, such as signing the contract or placing the order. According to the Danish Consumer Contracts Act, you are entitled to receive various information, including details about the right of withdrawal and the ordered service. The withdrawal period does not commence until you have received this information in writing (e.g., on paper or via email). For instance, if you place your order on Monday the 1st and have also received the mentioned information, your deadline is through Monday the 15th. If you receive the information later, for example, on Wednesday the 3rd, your deadline is through Wednesday the 17th. If the deadline falls on a public holiday, Saturday, Constitution Day, Christmas Eve, or New Year's Eve, you may wait until the following business day. Before the expiration of the withdrawal period, you must notify us that you have decided to withdraw from the agreement. If you choose to provide this notification in writing – for example, by letter or email – you only need to send the notification before the deadline. If you want to ensure proof of timely withdrawal, consider sending the letter by registered mail and retain the postal receipt. Notification of withdrawal must be sent to: Name: Larstal Denmark ApS, Applebys Pl. 7, 1411, Copenhagen, Denmark Email: support@larstal.com If you reside in Spain: The Bank of Spain’s Complaints Service (Servicio de Reclamaciones del Banco de España) Website: https://www.bde.esPhone: +34 91 338 88 30Email: reclamaciones@bde.es If you reside in Portugal: The Bank of Portugal’s Complaints Service (Provedor do Cliente Bancário do Banco de Portugal) Website: https://clientebancario.bportugal.ptPhone: +351 21 313 01 00Email: info@bportugal.pt ‍If you reside in Austria: Federal Ministry of Labour, Social Affairs and Consumer Protection Website: https://www.sozialministerium.at/en.htmlPhone: +43 1 711 00 If you reside in Croatia: Croatian National Bank (HNB) Website: https://www.hnb.hr/en/Phone: +385 1 4564 555 Email: info@hnb.hr If you reside in France: Autorité de Contrôle Prudentiel et de Résolution (ACPR) Website: https://acpr.banque-france.fr/ Phone: +33 1 49 95 40 00 Email: info-acpr@acpr.banque-france.fr If you reside in Germany: Website: https://www.bafin.de/EN/ Phone: +49 228 4108 0 Email: poststelle@bafin.de If you reside in Italy: Bank of Italy (Banca d'Italia) Website: https://www.bancaditalia.it/ Phone: +39 06 47921 Email: email@bancaditalia.it If you reside in the Netherlands: Netherlands Authority for the Financial Markets (AFM) Website: https://www.afm.nl/en Phone: +31 20 797 2000 Email: info@afm.nl If you reside in Norway: Financial Supervisory Authority of Norway (Finanstilsynet) Website: https://www.finanstilsynet.no/en/ Phone: +47 22 93 98 00 Email: post@finanstilsynet.no If you reside in Poland: Polish Financial Supervision Authority (KNF) Website: https://www.knf.gov.pl/en/ Phone: +48 22 262 50 00 Email: knf@knf.gov.pl If you reside in Sweden: Swedish Financial Supervisory Authority (Finansinspektionen) Website: https://www.fi.se/en/ Phone: +46 8 408 980 00 Email: finansinspektionen@fi.se If you reside in Bulgaria: Commission for Consumer Protection Website: https://www.kzp.bg/en Phone: +359 2 933 0565 Email: info@kzp.bg 1. Larstal does not charge any direct Fees to you as User. 2. The only applicable cost arises from currency conversion, where the final exchange rate may vary depending on the market rate and its volatility at the time of the transaction. 3. Idleness Fee, from EUR 50 up to fifty percent (50%) of the Available Balance per month if you fail to respond to information or regulatory inquiries. --- ### Page: https://www.astropay.com/da/europe/denmark/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: da Canonical URL: https://www.astropay.com/da/europe/denmark/t-c-agreement-for-individuals ## Headings Structure: H1: T&C Agreement (for individuals) H2: Download AstroPay-appen ## Main Content: H1: T&C Agreement (for individuals) H6: Annex A H2: Download AstroPay-appen Greetings from AstroPay! We're excited to have you on board. Get ready for an exceptional journey with us as we strive to #empower your money. Below, you'll find a simplified overview of our Terms and Conditions. While we've done our best to make it user-friendly, we encourage you to review the full version for a comprehensive understanding of your agreement with AstroPay. AstroPay is a global wallet which among other offers online payments, AstroPay Card and peer-to-peer money transfers. We aim to provide top-notch systems and technology. All operations within the EEA are done through Larstal Denmark ApS, a private limited company registered in Denmark. Larstal Denmark ApS is authorized by the Danish Financial Supervisory Authority (Finanstilsynet) as an electronic money institution. 🧐 How do I get started? You may register for an account via the Web & App. Your account is activated once all the required information has been received in order to identify you and comply with all applicable know-your-customer (“KYC”) requirements (information such as phone number, e-mail address and passport details). Following activation of your Wallet, you will be able to use funds to load E-Money to your Wallet. You can then use your Wallet to make direct online payments and in return gain loyalty AstroPoints that can be redeemed for rewards or to make a withdrawal, make a peer-to-peer transaction or apply for an AstroPay Card. In the event of any chargeback that occurs during a Transaction, we reserve the right to suspend or cancel your Wallet. If a chargeback results in a negative balance, you are required to perform an additional loading transaction to load your Wallet with sufficient funds immediately. If you wish to redeem, you must ensure that the payment details for the transfer are accurate and complete. You must be the named account holder of the account to which you instruct us to transfer the funds in the case of a redemption request. You are solely responsible for preserving the security of Your Account. You represent and warrant that the information given by you is correct and true and that you shall not use the services for any illegal purpose nor deposit funds from any illegal source. If you believe that you did not authorize a particular transaction or that a Transaction was incorrectly executed you should contact at support@larstal.com without undue delay, cf. clause 6 of the Terms. Your Wallet is not a deposit account, which means that your funds will not be protected by any depositor or investor guarantee scheme in Denmark. Charges are implemented as detailed in the Terms, and such may be deducted from your Wallet without further notice. Such Fees are subject to potential changes over time, which we will duly communicate to you. 🔴 Cancellation, suspension and termination You may cancel, suspend or terminate your agreement with AstroPay according to the Terms. We reserve the right to suspend or terminate your account or the services we provide without prior notice. If that’s the case we will proceed in accordance with section 11 of the Terms. 🤨Indemnity and Liability While we anticipate such occurrences to be rare, in the event that they do arise, you consent to indemnify us for any actions resulting from your improper use of the services and applications or violation of the terms. To the maximum extent permitted by applicable law, under no circumstances shall AstroPay bear responsibility for any direct, indirect, special, incidental, or consequential loss of any nature. cf. The Terms clause 13. In relation to AstroPay’s liability in general, we refer to the Terms. 📬 Contact and complaints Larstal Denmark will ensure all customers have access to the complaints policy and procedure upon request. If you have any questions or concerns about the Services, or you want to make a complaint, please contact us by email at support@larstal.com. 🏛️ Dispute Resolution This Agreement and any disagreements related to it will be governed by and interpreted according to the laws of Denmark. Both parties agree that any disputes regarding this Agreement will be settled exclusively by the courts of Denmark IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by Larstal Denmark ApS a Danish company with registered office at Applebys Pl. 7, 1411, Copenhagen, Denmark (“Larstal”, “we”, “us” or “our”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: 1. Definitions & Interpretation 1.1. In these Terms, capitalized words and expressions have the following meanings, unless otherwise stated: 2. Changes to these Terms 2.1. We may update or amend these Terms without your explicit consent if it is necessary due to: - changes in the services, market conditions, technology/systems, applicable law, regulation and/or market practice; - protection against risks outside our control; - customers promotions and other benefits; 2.2. Notice of any updates and amendments to these Terms will be given to you through notifications on the Web & App (or by email if deemed necessary) at least two (2) months in advance. By continuing to use our Services after that two (2) month period, you agree to be bound by the updated or amended terms. 3. Registration and Eligibility 3.1. You may register for an Account via the Web & App or other means that we may in the future prescribe. If you choose to register for an Account, you agree to provide us with true, accurate, current and complete information about yourself, and update us if there are any changes to that information or data. 3.2. You affirm that you are legally deemed as having full capacity and you are at least 18 years of age. 3.3. Your Wallet will not be activated unless we have been provided with the required information so that we may identify you, verify your age, and comply with all applicable know-your-customer (“KYC”) requirements (such as phone number, e-mail address and passport details). We shall keep records of the information and documents you provide in accordance with our Privacy Policy and all applicable legal and regulatory requirements. 3.4. We reserve the right to not accept your application for a Wallet or to open a Larstal Account and we are not obliged to provide the reason for declining your application. If we have reasonable grounds to suspect that any information you have provided to us is untrue, inaccurate or incomplete, we may suspend or terminate your Wallet and refuse any and all current or future use of the Services by you. 3.5. Your eligibility to access certain Services may depend on the country in which you reside or are based from time to time. You shall not attempt to access or make use of the Services from or in any jurisdiction where such access or use is prohibited by Applicable Laws. 4.1. We will provide the following services to you (collectively, the “Services”) in accordance with these Terms: 5. Access to your Account and use of the Services 5.1. You may access your Wallet by logging into your Larstal Account through the Web & App. From there, you will be able to see your Wallet history and Transaction activity, and view and edit your Wallet details. 5.2. You should check your Wallet history and Transaction activity regularly and contact us immediately in relation to any irregularities or enquiries. We shall not be liable for any Losses that result from any inaccurate information you provide. 5.3. To the extent that you are required to separately on-board with any Merchant Operator, you acknowledge and agree that we shall not be required to authorize any Transactions with that Merchant Operator unless and until you are separately on-boarded as required by them. You take full responsibility for ensuring that you are on-boarded with the relevant Merchant Operator prior to attempting to make a Transaction with that Merchant Operator. 5.4. The value of each Outbound Transaction will be deducted from your Available Balance and the value of each Inbound Transaction will be credited to your Available Balance. You must ensure that you have a sufficient Available Balance from time to time to pay for your Outbound Transactions and any fees relating to those Outbound Transactions. It is not possible to set up any spending limits. Once you’ve confirmed a Transaction on the check-out page, you’ve given adequate consent to execute the transaction. You will receive a Transaction receipt within maximum 10 minutes from your confirmation. You can see all pending Transactions in the app, and it is possible to cancel a Transaction as long as it appears as pending. For instant Transaction, you’ll need to request for a refund according to these terms and conditions. 5.5. If for any reason (a) an Outbound Transaction that you request, or (b) the deduction of applicable fees would result in your Wallet having a negative balance, we will not process that Outbound Transaction. Not processing an Outbound Transaction in the circumstances described in this Clause 5.5 will not constitute a breach of these Terms. 5.6. We may refuse to authorize any Transactions or a use of the Services that could breach these Terms, or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other illegal or unauthorized use of the Services. Nevertheless, we are not a party to any Transactions, and, as further set forth in Clause 13 below, we disclaim any liability for any failures, breaches, acts or omissions of the Merchant Operator in connection with the Transactions. 5.7. You are solely responsible for resolving any disputes you may have with the Merchant Operator in connection with Transactions or otherwise. We may, but we are not required, to assist you in your dispute with a Merchant Operator. If we do elect to assist you in a dispute with a Merchant Operator or User, you hereby acknowledge that such assistance shall not constitute a waiver of any provision of these Terms, including this Clause 5.7 or Clause 13. 5.8. Your ability to use or access the Services or your Wallet may occasionally be interrupted, for example if we need to carry out maintenance on our systems. Please contact us in accordance with Clause 15 if you wish to report any issues. 6. Loading your Wallet 6.1. Following activation of your Wallet, you will be able to use funds to load E-Money to your Wallet (“Loading Transaction”). We may ask you to answer security questions or to complete other activities that we may reasonably require to ensure proper authorization of a Loading Transaction. Unless otherwise expressly agreed pursuant to a separate Service, we will not extend you credit. 6.2. To initiate a Loading Transaction, you must log into your Account through the Web & App by using your Wallet details and follow the relevant instructions. The payment method for loading E-Money to your Wallet will depend on the country in which you reside. 6.3. For a list of the permitted methods for Loading Transactions in your country of residence, please visit our website. Please note that we may change this list at our sole discretion from time to time. The execution of your payments by third party payment providers in order to load your Wallet with E-Money are not part of our Services. We do not guarantee your ability to use any particular third-party payment provider to complete a Loading Transaction and we may discontinue accepting payments processed by any such third-party payment provider at any time in our sole discretion. 6.4. We reserve the right to suspend or cancel your Wallet in the event of any chargeback that occurs during any Loading Transaction or any Transaction. In the event that any chargeback results in a negative balance on your Wallet, you are required to perform an additional Loading Transaction to load your Wallet with sufficient funds immediately. We reserve the right to send you reminders or to take other debt collection measures, and we may charge a fee in connection with any debt collection or enforcement measures according to the applicable regulation. 6.5. If you believe that you did not Authorize a particular Transaction or that a Transaction was incorrectly executed you should contact at support@larstal.com without undue delay. 6.6. The maximum execution time for a Transaction is 48 hours. We will not be held liable for any Transaction that was unauthorized or incorrectly executed if you have failed to contact us without undue delay and - in all circumstances- later than 13 months after debiting the payment transaction in question. For objections from the payee, the time limit shall be 13 months after the date of crediting. You should also confirm the disputed Transaction by writing (email to support@larstal.com.) setting out full details of the Transaction and your reason for disputing it. 6.7. Subject to you notifying us without undue delay, we shall refund to you the amount of any Transaction not Authorized by you immediately unless otherwise stated in the Danish Payment Act 61-70, hereunder clauses 6.8- 6.16. 6.8. You shall only be liable pursuant to subsections 6.9.1-6.9.5, if the transaction is correctly recorded and entered in the accounts. In the event of unauthorized use of a payment instrument, the payer’s provider shall immediately repay the amount to the payer. You shall be liable without limit, however, for losses arising as a consequence of the payer having acted fraudulently or having failed to (1) take all the measures necessary to protect the personalized security features of the payment instrument, (2) use the payment instrument in accordance with the terms governing the issue and use of the payment instrument or (3) notify us without undue delay on becoming aware of loss, misappropriation or other unauthorized use of the payment instrument. 6.8.1: Unless greater liability is provided by subsection 6.8.2 or 6.8.5, you shall be liable for up to DKK 1,100 for losses consequential upon unauthorized use of the payment instrument by others, if the personalized security features of the payment instrument have been applied. 6.8.2 Unless greater liability is provided by subsection 6.8.5, you shall be liable for up to DKK 8,000 for losses consequential upon unauthorized use of the payment instrument by others, if we confirm that the personalized security features of the payment instrument have been applied, and a) that you have omitted to notify us as soon as possible after becoming aware that the payment instrument is missing, or that the unauthorized person has become acquainted with the personalized security features, b) that you have surrendered the personalized security features to the person who has executed unauthorized use and the matter is not subject to subsection 6.8.5, or c) that, through grossly inappropriate conduct, you have made the unauthorized use possible. 6.8.3 You shall be liable for up to DKK 8,000 for losses consequential upon unauthorized use of the payment instrument by others, if the payment instrument has been read physically or electronically and, in this connection, the unauthorized person has used a false signature and we justify it. a) that you, or a person to whom you have entrusted the payment instrument, has omitted to notify us as soon as possible after becoming aware that the payment instrument is missing, or b) that you, or a person to whom you have entrusted the payment instrument, through grossly inappropriate conduct, has made the unauthorized use possible. 6.8.4 If you are liable pursuant to subsections 6.8.2 and 6.8.3, the total liability shall not exceed DKK 8,000. 6.8.5 You shall be liable without limit for losses consequential upon unauthorized use of the payment instrument by others in the event that the personalized security features of the payment instrument have been applied and the payer’s provider confirms that the payer has notified the personalized security features to the person who has carried out the unauthorized use, and that this has taken place under circumstances in which you realized, or should have realized, there was a risk of misuse. 6.9 Notwithstanding subsections 6.8.1-6.8.5, we shall be liable for unauthorized use which takes place after we have been notified that the payment instrument is missing, that an unauthorized person has become acquainted with the personalized security features, or that for some other reason you wish to have the payment instrument blocked. 6.10 Notwithstanding subsections 6.8.1-6.8.5, we shall be liable for unauthorized use, if the provider has not taken appropriate measures, in accordance with the Danish payment Act section 60(1), no. 2. 6.11 Notwithstanding subsections 6.8.1-6.8.5, we shall also be liable, if you knew, or should have known, that unauthorized use of the payment instrument existed. 6.12 Subsections 6.8.1-6.8.6 shall apply to electronic money unless it is not possible for us to block the payment account or the payment instrument. 6.13 We shall have the burden of proof that a payment transaction has been correctly recorded, entered in the accounts and has not been affected by a technical breakdown or some other deficiency. When using a payment instrument, we shall also have the burden of proof that the personalized security features of the payment instrument have been applied in connection with the payment transaction. Recording use of a payment instrument shall not in itself constitute proof that you have approved the transaction, that you have acted fraudulently, or that you have omitted to meet his obligations according to section 6.9. 6.14 You shall have the right of refund from his provider of the full amount of a concluded payment transaction which was initiated by or through the payee, provided 1) you have not approved the exact amount of the payment transaction, and 2) the amount of the payment transaction exceeded the amount you could reasonably have expected, amongst other things taking into account his previous spending pattern and the conditions in his framework contract. Changes in the exchange rate, when this is calculated on the basis of a reference exchange rate, may not be invoked when 16.14 no. 2 is applied. 6.14.1 You have no right to a refund in accordance with this subsection where you have given his consent to execute the payment transactions covered by this section directly to the payer’s provider and, where applicable, information on the future payment transaction was provided or made available in an agreed manner to the payer at least four weeks before the due date by the provider or by the payee. 6.14.2 A request for refund according to this subsection, shall be received by us no later than eight weeks after debiting the payment transaction in question. 6.14.3 We shall, no later than ten business days after receiving a request for a refund according to this subsection either refund the full amount of the payment transaction or provide justification for refusing the refund, indicating the possibilities for appeal. 6.15 A payment order, executed in accordance with the unique identifier (an encrypted 9-digit number) stated on the payment order, shall be considered as correctly executed. We shall take all reasonable measures to reimburse the funds involved in a payment transaction in which the user has notified an incorrect unique identifier. The framework contract may state that the provider of payment services may demand payment for reimbursing this amount. 6.16 If a payment order is initiated by you, we shall be liable for direct losses consequential upon non-execution or defective execution of the payment transaction unless we can prove that we have received the amount in accordance with section 75 in the Danish Payment Act. After we have received the amount, we shall be liable to you for direct losses consequential upon non-execution or defective execution of the payment transaction. We shall, however, always make efforts to trace the payment transaction and notify you of the outcome. If a payment order is initiated by or through you, we shall be liable to the payee for direct losses consequential upon non-execution or defective transmission of the payment order to the payer's provider, cf. section 75 in the Danish Payment Act. We shall, however, always make efforts to trace the payment transaction and notify the payee of the outcome. We, who may have compensated for a loss, consequential upon conditions at another provider or third party, may demand the compensation refunded by the person in question. If a payment is missing or delayed under the circumstances mentioned here, remedies for breach may not for this reason be made applicable to you, except for demands for interest. If the amount has been debited to your account, payment shall be in full satisfaction of all claims for you. 6.17. You must not load your Wallet through a debit card or other payment instrument or a payment account if you are not the named holder of that payment instrument or account. Any attempt to use a payment instrument or account of which you are not the named holder will be considered a fraudulent act. Without prejudice to claiming further Losses, if we are required to return funds loaded from a payment instrument or account that is not in your name, we may charge a fee corresponding to Larstal’s actual costs in this regard. 6.18. Our processing of all Loading Transactions will be subject to our usual fraud, money laundering and other operational and customer service checks. Accordingly, there may be delays in the time required for E-Money to appear in your Wallet once you have performed a Loading Transaction. Unless we expressly state otherwise, we shall not act as a merchant in relation to any Transaction. 6.19. You accept and agree that a Loading Transaction made in a currency other than Euros will be converted into Euros by the Web & App at the prevailing rate of exchange displayed on the Web & App at the time of that Loading Transaction (please see our website for details of the source of the exchange rates used by the Web & App from time to time). You accept that such conversion shall be entirely at your own cost and risk, including the result of any fluctuation or difference between the rate of exchange displayed on the Web & App at the time of the Loading Transaction and at the time of the redemption request. 6.20. If you perform a Loading Transaction by debit card, your payment information will be stored securely in accordance with Applicable Laws. All credit/debit card information is protected according to PCI_DSS regulations, where all cardholder data and/or sensitive authentication data is processed by a certified PCI DSS service provider Level 1. We do not store, transmit nor process cardholder data and/or sensitive authentication data, restricting interactions to only tokenized information. 6.21. Your Wallet is not a deposit account, which means that your funds will not be protected by any depositor or investor guarantee scheme in Denmark. However, we will hold funds received in a designated safekeeping account with a regulated financial institution in accordance with the Payment Act, and those funds will not be used by us other than on your instructions in connection with your Wallet. Your Wallet does not grant or accrue any interest or bonuses related to the duration of time that you hold E-Money with us. 6.22 Users are specifically prohibited from using AstroPay Wallet in sites which are prohibited businesses as per their local laws. As an example, a Danish user shall not use the Wallet in prohibited businesses as per Danish law. Any noncompliance with the aforementioned shall be considered breach of these terms and conditions. 7. Fees and using your Wallet 7.1 You agree that any fees as set out in Annex A, and other amounts due and payable to us under these Terms may be debited from your Wallet without further notice. The redemption fees will correspond to Larstal’s costs in connection with the redemption (see further clause 12). Such deductions may be made at any time, and without us notifying you, but these will be reflected in the information in your Account. We further reserve the right to change our Fees upon two (2) months’ notice given to you through notification on the Web & App (or by email if deemed necessary) prior to such changes going into effect. Reasons why we may change our fees may be: - changes in the exchanges available to us and their offerings - changes to the costs of fundings our services 7.1 Managing your Wallet. You are responsible for: 7.2. If you fail to respond to one or more actions, requests, or requirements communicated by AstroPay within the specified timeframe, AstroPay reserves the right to charge an idleness fee (the “Idleness Fee”). The nature of such requests, including the applicable deadlines, will be clearly indicated in the relevant communication. The Idleness Fee is intended to cover administrative costs and ensure timely compliance with regulatory obligations. Subject to prior notice, the Idleness Fee may range from EUR 50 up to fifty percent (50%) of the Available Balance per month, at Larstal’s sole discretion. Such fee may be debited directly from your Wallet without further notice. 7.3. Account username and password. Do not share your username or password with anyone. If you disclose your username or password to anyone, you are responsible and liable for their access, use or misuse of your Wallet. If your username, password or other Wallet details are lost, stolen or compromised, or you believe a third party has unauthorized access to your Wallet, you must contact us immediately in accordance with Clause 15. We will take reasonable steps to stop unauthorized use of your Wallet, which may include suspending or canceling your Wallet or otherwise suspending access to the E-Money. 8. Changes to your Wallet details 8.1. Changes to your Account Details. You must notify us immediately of any change in your Wallet details. We cannot guarantee proper performance of the Services in the event the Wallet details you have provided are not accurate or become inaccurate. We disclaim all liability for any Losses that may result from such inaccuracies. You can notify us by contacting us in accordance with Clause 15, and we may require you to confirm such notification in writing or through other factors of authentication (which may include messages or calls to your mobile phone, or confirmation mail to your physical address). You will be liable for any Loss that directly results from any failure to notify us of any change. In order to verify a new address, you must provide any proof that we require. 8.2. Verifying your identity. We reserve the right at any time to seek verification as to your identity and address (for example, by requesting relevant original documents), including for the purposes of preventing fraud and/or money laundering. In addition, at the time of your application or at any time in the future, we may perform, in connection with your Wallet, electronic identity verification checks either directly or using relevant third parties. You agree to provide us with the information we request for purposes of identity verification and the detection of money laundering, terrorist financing, fraud or any other financial crime, and we will keep a record of such information in accordance with our Privacy Policy. If you fail to provide the requested information, we reserve the right to suspend your Wallet pending receipt and verification of that information. 9. Proprietary Rights 9.1. All rights, title and interest in, and to, the Intellectual Property Rights subsisting in, or embodied by, the Web & App, the Services, any proprietary software or other technology required to operate the Web & App or the Services, and any modifications or improvements thereto, including any derivative works, are retained by us and protected under applicable Intellectual Property Rights. 9.2. By activating your Wallet, we grant you a limited permission to use the Web & App solely for the purpose of benefiting from the Services in accordance with these Terms. In particular and without limitation, this permission does not grant you the right to create, author or invent any modifications or improvements to, or derivative works of, the Web & App. We may suspend or terminate this permission in accordance with Clause 12. Notwithstanding the foregoing, nothing in these Terms grants you any permission or right to use our trademarks, service marks, trade dress, slogans, logos or other indicia of origin. 9.3. If you submit any ideas, suggestions or other feedback to us about the Web & App or the Services, you grant to us the right to use or disclose such feedback without any further obligation to you. All rights not expressly granted to you under these Terms are reserved by us. 10.1. You have the right to cancel your Wallet and these Terms for any reason within a ‘cooling-off’ period of fourteen (14) days from the date on which your Wallet is registered. You must contact us within this fourteen (14) day period and inform us that you wish to withdraw from your purchase and these Terms and you must not make any Transactions. We will then cancel your Wallet and reimburse your Available Balance to you within fourteen (14) Business Days of our receipt of your cancellation request. 10.2. If you wish to exercise your right of withdrawal, please refer to the guidance hereon, which can be found at the end of these Terms. 10.3. If you fail to exercise your right to cancel under Clause 10.1, then these Terms shall remain in full force and effect and you may only terminate your Wallet and these Terms in accordance with Clauses 2.1 or 11. 11. Termination and Suspension 11.1. If you wish to terminate your Wallet, which means that the Terms are also terminated, at any time, you must inform us of your wish to terminate through the Web & App or by notifying us in accordance with Clause 15. 11.2. We may terminate or suspend your Wallet or your use of the Service immediately, as well as debit the funds available in the user’s account/balance if applicable, in the event that: 11.3. If there have been no Transactions on your Wallet for a period of at least one (1) year, we reserve the right to terminate it and these Terms. We will give you two months’ notice. 11.4. Upon termination of these Terms and your Wallet in accordance with this Clause 11, all pending Transactions will be processed and, if your Wallet has a positive balance, we will redeem your unused funds, within thirty (30) Business Days: 11.5. Upon termination of these Terms, unless otherwise expressly stated in Clause 12, the provisions of Clause 12 shall apply in such circumstances. 11.6. The Terms in effect as of the date of the termination of your Wallet will survive and continue to apply to any aspects of your use of the Web & App or the Service prior to termination, including your Wallet information, your Available Balance, any outstanding Transactions, and any relationship between you and a Merchant Operator or User formed with the assistance of the Web & App or the Service. 11.7. The termination or expiry of these Terms for whatever cause shall not affect any provision of this Agreement which is expressed or by implication intended to survive or operate in the event of termination or expiry of the Agreement, including but not limited to Clause 7 (Using Your Account), Clause 9 (Proprietary Rights), Clause 11 (Termination), Clause 12 (Redemption) and clause 13 (limitation of liability). 12.1. We will redeem, either in part or in full, the monetary value of the Available Balance on your Wallet, at any time, at par value, following instructions given by you to do so and subject to your payment of any applicable fees and the remainder of this Clause 12. 12.2. We reserve the right to carry out any necessary money-laundering, terrorist financing, fraud and other illegal activity and operational checks before authorizing any redemption or transfer of funds to you, including returning any funds after the termination of these Terms. Accordingly, there may be delays in the time between our receipt of your redemption request and your receipt of the relevant funds. 12.3. We do not guarantee the availability of any particular redemption method using a particular payment service provider and may make changes to or discontinue a particular redemption method at any time as long as there is at least one redemption method available to you. Where the redemption is received by you through the involvement of a payment service provider (e.g. the bank where you hold the beneficiary bank account), we shall not be responsible for the redemption payment once the funds are received by your payment service provider. 12.4. After we have approved the redemption of your funds, you must ensure that the payment details for the transfer are accurate and complete. Where you provide us with incorrect details, we will not be held liable for funds sent to the incorrect payment account or instrument. We reserve the right to charge you a fee in the event that you request our assistance in retrieving money from an incorrect payment account or instrument and transferring that money to the correct payment account or instrument. The fee will correspond to the actual costs incurred by Larstal in this regard. 12.5. You must be the named account holder of the account to which you instruct us to transfer the funds in the case of a redemption request. A breach of this requirement shall be treated as a breach of these Terms and / or a fraudulent act without prejudice to our right to claiming further Losses. If we are required to investigate a redemption for the transfer of funds to a payment account or instrument that is not under your name, we reserve the right to charge you a fee. The fee will correspond to the actual costs incurred by Larstal in this regard. 12.6. You accept that all redemption requests will be made in Euros and via a bank transfer to a designated account. In the instance where the redemptions are made to an account that is in another currency except Euros, you accept and agree that the amount to be redeemed will be converted from Euros by the Web & App to the applicable currency at the rate of exchange displayed on the Web & App at the time of that redemption request (please see our website for details of the source of the exchange rates used by the Web & App from time to time). You accept that such conversion shall be entirely at your own cost and risk, including the result of any fluctuation or difference between the rate of exchange displayed on the Web & App at the time the Inbound Transaction or Loading Transaction is made and at the time of the redemption request. 12.7. If, following any redemption, Outbound Transactions are found to have been made or fees incurred using your Wallet that exceed your Available Balance, we will notify you of any such outstanding amounts, and you shall pay any such amounts to us on demand. 13.1. If we fail to comply with these Terms, we shall be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we shall not be responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us when you activated your Wallet. 13.2. Except as provided in Clause 13.1, we shall not be liable under or in connection with these Terms for any loss of profits, business, revenue or savings (actual or anticipated), loss of agreements or contracts, loss of opportunity, loss of data or loss of, or damage to, goodwill or reputation (including as a result of your inability to participate in any goods, services or offerings of a Merchant Operator, to the extent that is caused by a failure in the Web & App or the Services or delays in the time required for E-Money to appear in your Wallet once you have performed a Loading Transaction or a Merchant Operator has authorized an Inbound Transaction); 13.3. You are solely responsible for your interactions with the Merchant Operator or User. Subject to Clause 5.4, we reserve the right, but have no obligation, to monitor or mediate any disputes between you and any Merchant Operator or Users. 13.4. Except as provided in Clause 13.1 where we have incorrectly and due to our fault: provided that, in each case, if we subsequently establish that the refunded or incremental credited amount had been correctly deducted or credited (as the case may be), we may deduct it from your Available Balance and, if you do not have sufficient Available Balance, you must repay us the amount immediately upon demand. 13.5. Notwithstanding Clause 6, we shall not be liable for any unauthorized or incorrectly executed Transactions in the event that the Transaction was affected by abnormal and unforeseeable circumstances beyond our reasonable control or where we acted in accordance with a legal or regulatory obligation. 13.6. Notwithstanding anything to the contrary in this Agreement, we have the rights to (i) freeze the funds in your Account and refuse to transfer funds out of your Account; or (ii) off set the balance in your Account by using your balance in a different currency, if: 13.7.1. Larstal, acting reasonably, determines that doing so: (i) is likely necessary or prudent to: (1) comply with Applicable Law; or (2) preserve or protect Larstal’s legal rights or remedies; or (ii) would likely assist with an investigation by Larstal or any governmental authority; 13.7.2. you have breached this Agreement; or 13.7.3. you have any unsatisfied debts, obligations, or liabilities to Larstal. 13.8. Abusive Actions. Situations, such as internet connectivity issues, latency, or other technical errors, may arise that could cause transactions on Larstal to not reflect usual business rules accurately. You shall not take advantage of these situations or other errors, bugs, or malfunctions of the Services, or otherwise take any abusive or manipulative trading actions that would provide you with undue commercial advantage or would otherwise not be in good faith. If Larstal, acting reasonably, determines that you have breached this Clause 13.8, Larstal may: (a) reverse all Transactions that are related to such breach; (b) cancel any Transaction that is related to such breach; (c) suspend or close your Account; or (d) freeze and set-off accordingly any funds available. 13.9. This Clause 13 shall survive cancellation of these Terms. 14.1. We shall not have any liability under, or be deemed to be in breach of, these Terms for any delays or failures in performance of any of our obligations under these Terms that result from a Force Majeure Event. 15. Contact Details and Notice 15.1. If you have any questions or concerns about the Services, or to report issues with your Wallet, please contact us by email at support@larstal.com. 15.2. You may serve notices to us in writing at the contact details at Clause 15.1. 15.3 You accept and agree that we may serve notices (excluding notices containing marketing or branding which requires your explicit consent) to you in writing to the email address linked to your Wallet. You may amend the same from time to time. 15.4. You agree that we may provide you with notices and other disclosures in connection with your Wallet and the Services by posting notices on the Web & App. 16.1. We may at any time transfer all or any of our rights and obligations under these Terms to any third party (including by way of merger, consolidation or the acquisition of all or substantially all of our business and assets relating to these Terms), but this will not affect your rights or our obligations under these Terms. 16.2. You may only transfer your rights or your obligations under these Terms to another person if we give our prior written consent to this. 16.3. This agreement is between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end the contract or make any changes to these Terms. 16.4. Nothing in these Terms is intended to, or shall be construed so as to, establish or imply any partnership or joint venture or a relationship of principal and agent between you and us or constitute either of you or us as the agent of the other party, or authorize you or us to make or enter into any commitments for or on behalf of the other party. 16.5. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. 16.6. If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you. 16.7. These Terms and the documents referred to in it, constitute the whole agreement between you and us relating to the subject matter of these Terms, and supersede any prior written or oral arrangement, understanding or agreement between them relating to such subject matter. 16.8. These Terms are provided to you in the English language. Where we have provided a translation of these Terms to you, you agree that such translation is provided for your convenience only and that the English language version of these Terms will govern your relationship with us. If there is any contradiction between the English language version of these Terms and any translation, the English language version takes precedence. 16.9. By participating in the initiative “Help AstroPay grow”, you are accepting that We will share your request to the Merchant together with users’ email, name and surname. Thank you for participating since through this initiative we are sure Merchants will understand how many users want the Merchant to add us to their cashier. 17. Governing Law and Jurisdiction 17.1. This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of Denmark. 17.2. Each party irrevocably agrees that the courts of Denmark shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims). 18. Complaints Handling 18.1. LARSTAL Denmark is a private limited company registered in Denmark under company number 42457590, and whose registered office address is Applebys Pl. 7, 1411, Copenhagen, Denmark is authorized by the Danish Financial Supervisory Authority (Finanstilsynet) as an electronic money institution. We refer to the register of the Danish FSA where Larstal Denmark has received FTID 40514 (Link) Larstal Denmark will ensure all customers have access to the complaints policy and procedure upon request and will include a copy of this document in any written acknowledgement of a complaint, to ensure the customer is aware of his or her rights in following up the complaint. 18.2. If you wish to make a complaint about the Services, you can email us at support@larstal.com, with brief details of your complaint and the phone number and email address associated with your Account or request our complaint form and send to our service email address on the form. Alternative procedures are stipulated in the Complaints Policy and Procedures. We will acknowledge your complaint by email within three business days. 18.3. If the complaint is not resolved by the end of three business days after it’s received, we initiate a formal complaint handling procedure. The email will contain details of the complaints handling procedure and your right to refer the complaint to the Danish Financial Complaint Board or the Danish Consumer Ombudsman if you are dissatisfied with our assessment and ruling. 18.4. We will send you a final response to your complaint within 15 days upon receipt regarding the complaints about rights and obligations arising under Parts 5 and 6 of the Payment Act or within eight (8) weeks upon receipt regarding complaints not related to rights and obligations arising under Parts 5 and 6 of the Payment Act. Should it not be possible to resolve your complaint in this timeframe, we will provide you with a date when we will respond to you, with a reason why, or in any case this will be no later than 35 business days from the date when the complaint was received. 18.5. If you have a complaint about any regulated aspect of the Services that we cannot resolve within the terms specified in Clause 18.4, such complaint may be referred to the Danish Financial Complaint Board St. Kongensgade 62, 2., 1264 Copenhagen, Denmark (further details can be found at www.fanke.dk) or the Danish Consumer Ombudsman, Carl Jacobsens Vej 35, 2500 Valby, Denmark (further details can be found at www.forbrugerombudsmanden.dk/consumer-ombudsman/). It’s also possible to send a complaint to The European Online Dispute Resolution (ODR) ( ec.europa.eu/consumers/odr) or, if you reside in one of the countries listed in Annex A, to the authorities specified therein. Guide on the Right of Withdrawal The withdrawal period is 14 days. The period is generally calculated from the day you entered into the agreement, such as signing the contract or placing the order. According to the Danish Consumer Contracts Act, you are entitled to receive various information, including details about the right of withdrawal and the ordered service. The withdrawal period does not commence until you have received this information in writing (e.g., on paper or via email). For instance, if you place your order on Monday the 1st and have also received the mentioned information, your deadline is through Monday the 15th. If you receive the information later, for example, on Wednesday the 3rd, your deadline is through Wednesday the 17th. If the deadline falls on a public holiday, Saturday, Constitution Day, Christmas Eve, or New Year's Eve, you may wait until the following business day. Before the expiration of the withdrawal period, you must notify us that you have decided to withdraw from the agreement. If you choose to provide this notification in writing – for example, by letter or email – you only need to send the notification before the deadline. If you want to ensure proof of timely withdrawal, consider sending the letter by registered mail and retain the postal receipt. Notification of withdrawal must be sent to: Name: Larstal Denmark ApS, Applebys Pl. 7, 1411, Copenhagen, Denmark Email: support@larstal.com If you reside in Spain: The Bank of Spain’s Complaints Service (Servicio de Reclamaciones del Banco de España) Website: https://www.bde.esPhone: +34 91 338 88 30Email: reclamaciones@bde.es If you reside in Portugal: The Bank of Portugal’s Complaints Service (Provedor do Cliente Bancário do Banco de Portugal) Website: https://clientebancario.bportugal.ptPhone: +351 21 313 01 00Email: info@bportugal.pt ‍If you reside in Austria: Federal Ministry of Labour, Social Affairs and Consumer Protection Website: https://www.sozialministerium.at/en.htmlPhone: +43 1 711 00 If you reside in Croatia: Croatian National Bank (HNB) Website: https://www.hnb.hr/en/Phone: +385 1 4564 555 Email: info@hnb.hr If you reside in France: Autorité de Contrôle Prudentiel et de Résolution (ACPR) Website: https://acpr.banque-france.fr/ Phone: +33 1 49 95 40 00 Email: info-acpr@acpr.banque-france.fr If you reside in Germany: Website: https://www.bafin.de/EN/ Phone: +49 228 4108 0 Email: poststelle@bafin.de If you reside in Italy: Bank of Italy (Banca d'Italia) Website: https://www.bancaditalia.it/ Phone: +39 06 47921 Email: email@bancaditalia.it If you reside in the Netherlands: Netherlands Authority for the Financial Markets (AFM) Website: https://www.afm.nl/en Phone: +31 20 797 2000 Email: info@afm.nl If you reside in Norway: Financial Supervisory Authority of Norway (Finanstilsynet) Website: https://www.finanstilsynet.no/en/ Phone: +47 22 93 98 00 Email: post@finanstilsynet.no If you reside in Poland: Polish Financial Supervision Authority (KNF) Website: https://www.knf.gov.pl/en/ Phone: +48 22 262 50 00 Email: knf@knf.gov.pl If you reside in Sweden: Swedish Financial Supervisory Authority (Finansinspektionen) Website: https://www.fi.se/en/ Phone: +46 8 408 980 00 Email: finansinspektionen@fi.se If you reside in Bulgaria: Commission for Consumer Protection Website: https://www.kzp.bg/en Phone: +359 2 933 0565 Email: info@kzp.bg 1. Larstal does not charge any direct Fees to you as User. 2. The only applicable cost arises from currency conversion, where the final exchange rate may vary depending on the market rate and its volatility at the time of the transaction. 3. Idleness Fee, from EUR 50 up to fifty percent (50%) of the Available Balance per month if you fail to respond to information or regulatory inquiries. --- ### Page: https://www.astropay.com/europe/denmark/t-c-agreement-for-individuals Title: T&C Agreement (for individuals) Language: en Canonical URL: https://www.astropay.com/europe/denmark/t-c-agreement-for-individuals ## Headings Structure: H1: T&C Agreement (for individuals) H2: Get the
AstroPay App ## Main Content: H1: T&C Agreement (for individuals) H6: Annex A H2: Get the
AstroPay App Greetings from AstroPay! We're excited to have you on board. Get ready for an exceptional journey with us as we strive to #empower your money. Below, you'll find a simplified overview of our Terms and Conditions. While we've done our best to make it user-friendly, we encourage you to review the full version for a comprehensive understanding of your agreement with AstroPay. AstroPay is a global wallet which among other offers online payments, AstroPay Card and peer-to-peer money transfers. We aim to provide top-notch systems and technology. All operations within the EEA are done through Larstal Denmark ApS, a private limited company registered in Denmark. Larstal Denmark ApS is authorized by the Danish Financial Supervisory Authority (Finanstilsynet) as an electronic money institution. 🧐 How do I get started? You may register for an account via the Web & App. Your account is activated once all the required information has been received in order to identify you and comply with all applicable know-your-customer (“KYC”) requirements (information such as phone number, e-mail address and passport details). Following activation of your Wallet, you will be able to use funds to load E-Money to your Wallet. You can then use your Wallet to make direct online payments and in return gain loyalty AstroPoints that can be redeemed for rewards or to make a withdrawal, make a peer-to-peer transaction or apply for an AstroPay Card. In the event of any chargeback that occurs during a Transaction, we reserve the right to suspend or cancel your Wallet. If a chargeback results in a negative balance, you are required to perform an additional loading transaction to load your Wallet with sufficient funds immediately. If you wish to redeem, you must ensure that the payment details for the transfer are accurate and complete. You must be the named account holder of the account to which you instruct us to transfer the funds in the case of a redemption request. You are solely responsible for preserving the security of Your Account. You represent and warrant that the information given by you is correct and true and that you shall not use the services for any illegal purpose nor deposit funds from any illegal source. If you believe that you did not authorize a particular transaction or that a Transaction was incorrectly executed you should contact at support@larstal.com without undue delay, cf. clause 6 of the Terms. Your Wallet is not a deposit account, which means that your funds will not be protected by any depositor or investor guarantee scheme in Denmark. Charges are implemented as detailed in the Terms, and such may be deducted from your Wallet without further notice. Such Fees are subject to potential changes over time, which we will duly communicate to you. 🔴 Cancellation, suspension and termination You may cancel, suspend or terminate your agreement with AstroPay according to the Terms. We reserve the right to suspend or terminate your account or the services we provide without prior notice. If that’s the case we will proceed in accordance with section 11 of the Terms. 🤨Indemnity and Liability While we anticipate such occurrences to be rare, in the event that they do arise, you consent to indemnify us for any actions resulting from your improper use of the services and applications or violation of the terms. To the maximum extent permitted by applicable law, under no circumstances shall AstroPay bear responsibility for any direct, indirect, special, incidental, or consequential loss of any nature. cf. The Terms clause 13. In relation to AstroPay’s liability in general, we refer to the Terms. 📬 Contact and complaints Larstal Denmark will ensure all customers have access to the complaints policy and procedure upon request. If you have any questions or concerns about the Services, or you want to make a complaint, please contact us by email at support@larstal.com. 🏛️ Dispute Resolution This Agreement and any disagreements related to it will be governed by and interpreted according to the laws of Denmark. Both parties agree that any disputes regarding this Agreement will be settled exclusively by the courts of Denmark IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by Larstal Denmark ApS a Danish company with registered office at Applebys Pl. 7, 1411, Copenhagen, Denmark (“Larstal”, “we”, “us” or “our”) to any person whose application we approve (“you” or “your”). By activating your Wallet (as defined below) with us, you confirm that you have read, understood and agree to these Terms. We recommend that you print a copy of these terms for future reference. These Terms refer to the following additional terms, which also apply to your use of the Services: 1. Definitions & Interpretation 1.1. In these Terms, capitalized words and expressions have the following meanings, unless otherwise stated: 2. Changes to these Terms 2.1. We may update or amend these Terms without your explicit consent if it is necessary due to: - changes in the services, market conditions, technology/systems, applicable law, regulation and/or market practice; - protection against risks outside our control; - customers promotions and other benefits; 2.2. Notice of any updates and amendments to these Terms will be given to you through notifications on the Web & App (or by email if deemed necessary) at least two (2) months in advance. By continuing to use our Services after that two (2) month period, you agree to be bound by the updated or amended terms. 3. Registration and Eligibility 3.1. You may register for an Account via the Web & App or other means that we may in the future prescribe. If you choose to register for an Account, you agree to provide us with true, accurate, current and complete information about yourself, and update us if there are any changes to that information or data. 3.2. You affirm that you are legally deemed as having full capacity and you are at least 18 years of age. 3.3. Your Wallet will not be activated unless we have been provided with the required information so that we may identify you, verify your age, and comply with all applicable know-your-customer (“KYC”) requirements (such as phone number, e-mail address and passport details). We shall keep records of the information and documents you provide in accordance with our Privacy Policy and all applicable legal and regulatory requirements. 3.4. We reserve the right to not accept your application for a Wallet or to open a Larstal Account and we are not obliged to provide the reason for declining your application. If we have reasonable grounds to suspect that any information you have provided to us is untrue, inaccurate or incomplete, we may suspend or terminate your Wallet and refuse any and all current or future use of the Services by you. 3.5. Your eligibility to access certain Services may depend on the country in which you reside or are based from time to time. You shall not attempt to access or make use of the Services from or in any jurisdiction where such access or use is prohibited by Applicable Laws. 4.1. We will provide the following services to you (collectively, the “Services”) in accordance with these Terms: 5. Access to your Account and use of the Services 5.1. You may access your Wallet by logging into your Larstal Account through the Web & App. From there, you will be able to see your Wallet history and Transaction activity, and view and edit your Wallet details. 5.2. You should check your Wallet history and Transaction activity regularly and contact us immediately in relation to any irregularities or enquiries. We shall not be liable for any Losses that result from any inaccurate information you provide. 5.3. To the extent that you are required to separately on-board with any Merchant Operator, you acknowledge and agree that we shall not be required to authorize any Transactions with that Merchant Operator unless and until you are separately on-boarded as required by them. You take full responsibility for ensuring that you are on-boarded with the relevant Merchant Operator prior to attempting to make a Transaction with that Merchant Operator. 5.4. The value of each Outbound Transaction will be deducted from your Available Balance and the value of each Inbound Transaction will be credited to your Available Balance. You must ensure that you have a sufficient Available Balance from time to time to pay for your Outbound Transactions and any fees relating to those Outbound Transactions. It is not possible to set up any spending limits. Once you’ve confirmed a Transaction on the check-out page, you’ve given adequate consent to execute the transaction. You will receive a Transaction receipt within maximum 10 minutes from your confirmation. You can see all pending Transactions in the app, and it is possible to cancel a Transaction as long as it appears as pending. For instant Transaction, you’ll need to request for a refund according to these terms and conditions. 5.5. If for any reason (a) an Outbound Transaction that you request, or (b) the deduction of applicable fees would result in your Wallet having a negative balance, we will not process that Outbound Transaction. Not processing an Outbound Transaction in the circumstances described in this Clause 5.5 will not constitute a breach of these Terms. 5.6. We may refuse to authorize any Transactions or a use of the Services that could breach these Terms, or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other illegal or unauthorized use of the Services. Nevertheless, we are not a party to any Transactions, and, as further set forth in Clause 13 below, we disclaim any liability for any failures, breaches, acts or omissions of the Merchant Operator in connection with the Transactions. 5.7. You are solely responsible for resolving any disputes you may have with the Merchant Operator in connection with Transactions or otherwise. We may, but we are not required, to assist you in your dispute with a Merchant Operator. If we do elect to assist you in a dispute with a Merchant Operator or User, you hereby acknowledge that such assistance shall not constitute a waiver of any provision of these Terms, including this Clause 5.7 or Clause 13. 5.8. Your ability to use or access the Services or your Wallet may occasionally be interrupted, for example if we need to carry out maintenance on our systems. Please contact us in accordance with Clause 15 if you wish to report any issues. 6. Loading your Wallet 6.1. Following activation of your Wallet, you will be able to use funds to load E-Money to your Wallet (“Loading Transaction”). We may ask you to answer security questions or to complete other activities that we may reasonably require to ensure proper authorization of a Loading Transaction. Unless otherwise expressly agreed pursuant to a separate Service, we will not extend you credit. 6.2. To initiate a Loading Transaction, you must log into your Account through the Web & App by using your Wallet details and follow the relevant instructions. The payment method for loading E-Money to your Wallet will depend on the country in which you reside. 6.3. For a list of the permitted methods for Loading Transactions in your country of residence, please visit our website. Please note that we may change this list at our sole discretion from time to time. The execution of your payments by third party payment providers in order to load your Wallet with E-Money are not part of our Services. We do not guarantee your ability to use any particular third-party payment provider to complete a Loading Transaction and we may discontinue accepting payments processed by any such third-party payment provider at any time in our sole discretion. 6.4. We reserve the right to suspend or cancel your Wallet in the event of any chargeback that occurs during any Loading Transaction or any Transaction. In the event that any chargeback results in a negative balance on your Wallet, you are required to perform an additional Loading Transaction to load your Wallet with sufficient funds immediately. We reserve the right to send you reminders or to take other debt collection measures, and we may charge a fee in connection with any debt collection or enforcement measures according to the applicable regulation. 6.5. If you believe that you did not Authorize a particular Transaction or that a Transaction was incorrectly executed you should contact at support@larstal.com without undue delay. 6.6. The maximum execution time for a Transaction is 48 hours. We will not be held liable for any Transaction that was unauthorized or incorrectly executed if you have failed to contact us without undue delay and - in all circumstances- later than 13 months after debiting the payment transaction in question. For objections from the payee, the time limit shall be 13 months after the date of crediting. You should also confirm the disputed Transaction by writing (email to support@larstal.com.) setting out full details of the Transaction and your reason for disputing it. 6.7. Subject to you notifying us without undue delay, we shall refund to you the amount of any Transaction not Authorized by you immediately unless otherwise stated in the Danish Payment Act 61-70, hereunder clauses 6.8- 6.16. 6.8. You shall only be liable pursuant to subsections 6.9.1-6.9.5, if the transaction is correctly recorded and entered in the accounts. In the event of unauthorized use of a payment instrument, the payer’s provider shall immediately repay the amount to the payer. You shall be liable without limit, however, for losses arising as a consequence of the payer having acted fraudulently or having failed to (1) take all the measures necessary to protect the personalized security features of the payment instrument, (2) use the payment instrument in accordance with the terms governing the issue and use of the payment instrument or (3) notify us without undue delay on becoming aware of loss, misappropriation or other unauthorized use of the payment instrument. 6.8.1: Unless greater liability is provided by subsection 6.8.2 or 6.8.5, you shall be liable for up to DKK 1,100 for losses consequential upon unauthorized use of the payment instrument by others, if the personalized security features of the payment instrument have been applied. 6.8.2 Unless greater liability is provided by subsection 6.8.5, you shall be liable for up to DKK 8,000 for losses consequential upon unauthorized use of the payment instrument by others, if we confirm that the personalized security features of the payment instrument have been applied, and a) that you have omitted to notify us as soon as possible after becoming aware that the payment instrument is missing, or that the unauthorized person has become acquainted with the personalized security features, b) that you have surrendered the personalized security features to the person who has executed unauthorized use and the matter is not subject to subsection 6.8.5, or c) that, through grossly inappropriate conduct, you have made the unauthorized use possible. 6.8.3 You shall be liable for up to DKK 8,000 for losses consequential upon unauthorized use of the payment instrument by others, if the payment instrument has been read physically or electronically and, in this connection, the unauthorized person has used a false signature and we justify it. a) that you, or a person to whom you have entrusted the payment instrument, has omitted to notify us as soon as possible after becoming aware that the payment instrument is missing, or b) that you, or a person to whom you have entrusted the payment instrument, through grossly inappropriate conduct, has made the unauthorized use possible. 6.8.4 If you are liable pursuant to subsections 6.8.2 and 6.8.3, the total liability shall not exceed DKK 8,000. 6.8.5 You shall be liable without limit for losses consequential upon unauthorized use of the payment instrument by others in the event that the personalized security features of the payment instrument have been applied and the payer’s provider confirms that the payer has notified the personalized security features to the person who has carried out the unauthorized use, and that this has taken place under circumstances in which you realized, or should have realized, there was a risk of misuse. 6.9 Notwithstanding subsections 6.8.1-6.8.5, we shall be liable for unauthorized use which takes place after we have been notified that the payment instrument is missing, that an unauthorized person has become acquainted with the personalized security features, or that for some other reason you wish to have the payment instrument blocked. 6.10 Notwithstanding subsections 6.8.1-6.8.5, we shall be liable for unauthorized use, if the provider has not taken appropriate measures, in accordance with the Danish payment Act section 60(1), no. 2. 6.11 Notwithstanding subsections 6.8.1-6.8.5, we shall also be liable, if you knew, or should have known, that unauthorized use of the payment instrument existed. 6.12 Subsections 6.8.1-6.8.6 shall apply to electronic money unless it is not possible for us to block the payment account or the payment instrument. 6.13 We shall have the burden of proof that a payment transaction has been correctly recorded, entered in the accounts and has not been affected by a technical breakdown or some other deficiency. When using a payment instrument, we shall also have the burden of proof that the personalized security features of the payment instrument have been applied in connection with the payment transaction. Recording use of a payment instrument shall not in itself constitute proof that you have approved the transaction, that you have acted fraudulently, or that you have omitted to meet his obligations according to section 6.9. 6.14 You shall have the right of refund from his provider of the full amount of a concluded payment transaction which was initiated by or through the payee, provided 1) you have not approved the exact amount of the payment transaction, and 2) the amount of the payment transaction exceeded the amount you could reasonably have expected, amongst other things taking into account his previous spending pattern and the conditions in his framework contract. Changes in the exchange rate, when this is calculated on the basis of a reference exchange rate, may not be invoked when 16.14 no. 2 is applied. 6.14.1 You have no right to a refund in accordance with this subsection where you have given his consent to execute the payment transactions covered by this section directly to the payer’s provider and, where applicable, information on the future payment transaction was provided or made available in an agreed manner to the payer at least four weeks before the due date by the provider or by the payee. 6.14.2 A request for refund according to this subsection, shall be received by us no later than eight weeks after debiting the payment transaction in question. 6.14.3 We shall, no later than ten business days after receiving a request for a refund according to this subsection either refund the full amount of the payment transaction or provide justification for refusing the refund, indicating the possibilities for appeal. 6.15 A payment order, executed in accordance with the unique identifier (an encrypted 9-digit number) stated on the payment order, shall be considered as correctly executed. We shall take all reasonable measures to reimburse the funds involved in a payment transaction in which the user has notified an incorrect unique identifier. The framework contract may state that the provider of payment services may demand payment for reimbursing this amount. 6.16 If a payment order is initiated by you, we shall be liable for direct losses consequential upon non-execution or defective execution of the payment transaction unless we can prove that we have received the amount in accordance with section 75 in the Danish Payment Act. After we have received the amount, we shall be liable to you for direct losses consequential upon non-execution or defective execution of the payment transaction. We shall, however, always make efforts to trace the payment transaction and notify you of the outcome. If a payment order is initiated by or through you, we shall be liable to the payee for direct losses consequential upon non-execution or defective transmission of the payment order to the payer's provider, cf. section 75 in the Danish Payment Act. We shall, however, always make efforts to trace the payment transaction and notify the payee of the outcome. We, who may have compensated for a loss, consequential upon conditions at another provider or third party, may demand the compensation refunded by the person in question. If a payment is missing or delayed under the circumstances mentioned here, remedies for breach may not for this reason be made applicable to you, except for demands for interest. If the amount has been debited to your account, payment shall be in full satisfaction of all claims for you. 6.17. You must not load your Wallet through a debit card or other payment instrument or a payment account if you are not the named holder of that payment instrument or account. Any attempt to use a payment instrument or account of which you are not the named holder will be considered a fraudulent act. Without prejudice to claiming further Losses, if we are required to return funds loaded from a payment instrument or account that is not in your name, we may charge a fee corresponding to Larstal’s actual costs in this regard. 6.18. Our processing of all Loading Transactions will be subject to our usual fraud, money laundering and other operational and customer service checks. Accordingly, there may be delays in the time required for E-Money to appear in your Wallet once you have performed a Loading Transaction. Unless we expressly state otherwise, we shall not act as a merchant in relation to any Transaction. 6.19. You accept and agree that a Loading Transaction made in a currency other than Euros will be converted into Euros by the Web & App at the prevailing rate of exchange displayed on the Web & App at the time of that Loading Transaction (please see our website for details of the source of the exchange rates used by the Web & App from time to time). You accept that such conversion shall be entirely at your own cost and risk, including the result of any fluctuation or difference between the rate of exchange displayed on the Web & App at the time of the Loading Transaction and at the time of the redemption request. 6.20. If you perform a Loading Transaction by debit card, your payment information will be stored securely in accordance with Applicable Laws. All credit/debit card information is protected according to PCI_DSS regulations, where all cardholder data and/or sensitive authentication data is processed by a certified PCI DSS service provider Level 1. We do not store, transmit nor process cardholder data and/or sensitive authentication data, restricting interactions to only tokenized information. 6.21. Your Wallet is not a deposit account, which means that your funds will not be protected by any depositor or investor guarantee scheme in Denmark. However, we will hold funds received in a designated safekeeping account with a regulated financial institution in accordance with the Payment Act, and those funds will not be used by us other than on your instructions in connection with your Wallet. Your Wallet does not grant or accrue any interest or bonuses related to the duration of time that you hold E-Money with us. 6.22 Users are specifically prohibited from using AstroPay Wallet in sites which are prohibited businesses as per their local laws. As an example, a Danish user shall not use the Wallet in prohibited businesses as per Danish law. Any noncompliance with the aforementioned shall be considered breach of these terms and conditions. 7. Fees and using your Wallet 7.1 You agree that any fees as set out in Annex A, and other amounts due and payable to us under these Terms may be debited from your Wallet without further notice. The redemption fees will correspond to Larstal’s costs in connection with the redemption (see further clause 12). Such deductions may be made at any time, and without us notifying you, but these will be reflected in the information in your Account. We further reserve the right to change our Fees upon two (2) months’ notice given to you through notification on the Web & App (or by email if deemed necessary) prior to such changes going into effect. Reasons why we may change our fees may be: - changes in the exchanges available to us and their offerings - changes to the costs of fundings our services 7.1 Managing your Wallet. You are responsible for: 7.2. If you fail to respond to one or more actions, requests, or requirements communicated by AstroPay within the specified timeframe, AstroPay reserves the right to charge an idleness fee (the “Idleness Fee”). The nature of such requests, including the applicable deadlines, will be clearly indicated in the relevant communication. The Idleness Fee is intended to cover administrative costs and ensure timely compliance with regulatory obligations. Subject to prior notice, the Idleness Fee may range from EUR 50 up to fifty percent (50%) of the Available Balance per month, at Larstal’s sole discretion. Such fee may be debited directly from your Wallet without further notice. 7.3. Account username and password. Do not share your username or password with anyone. If you disclose your username or password to anyone, you are responsible and liable for their access, use or misuse of your Wallet. If your username, password or other Wallet details are lost, stolen or compromised, or you believe a third party has unauthorized access to your Wallet, you must contact us immediately in accordance with Clause 15. We will take reasonable steps to stop unauthorized use of your Wallet, which may include suspending or canceling your Wallet or otherwise suspending access to the E-Money. 8. Changes to your Wallet details 8.1. Changes to your Account Details. You must notify us immediately of any change in your Wallet details. We cannot guarantee proper performance of the Services in the event the Wallet details you have provided are not accurate or become inaccurate. We disclaim all liability for any Losses that may result from such inaccuracies. You can notify us by contacting us in accordance with Clause 15, and we may require you to confirm such notification in writing or through other factors of authentication (which may include messages or calls to your mobile phone, or confirmation mail to your physical address). You will be liable for any Loss that directly results from any failure to notify us of any change. In order to verify a new address, you must provide any proof that we require. 8.2. Verifying your identity. We reserve the right at any time to seek verification as to your identity and address (for example, by requesting relevant original documents), including for the purposes of preventing fraud and/or money laundering. In addition, at the time of your application or at any time in the future, we may perform, in connection with your Wallet, electronic identity verification checks either directly or using relevant third parties. You agree to provide us with the information we request for purposes of identity verification and the detection of money laundering, terrorist financing, fraud or any other financial crime, and we will keep a record of such information in accordance with our Privacy Policy. If you fail to provide the requested information, we reserve the right to suspend your Wallet pending receipt and verification of that information. 9. Proprietary Rights 9.1. All rights, title and interest in, and to, the Intellectual Property Rights subsisting in, or embodied by, the Web & App, the Services, any proprietary software or other technology required to operate the Web & App or the Services, and any modifications or improvements thereto, including any derivative works, are retained by us and protected under applicable Intellectual Property Rights. 9.2. By activating your Wallet, we grant you a limited permission to use the Web & App solely for the purpose of benefiting from the Services in accordance with these Terms. In particular and without limitation, this permission does not grant you the right to create, author or invent any modifications or improvements to, or derivative works of, the Web & App. We may suspend or terminate this permission in accordance with Clause 12. Notwithstanding the foregoing, nothing in these Terms grants you any permission or right to use our trademarks, service marks, trade dress, slogans, logos or other indicia of origin. 9.3. If you submit any ideas, suggestions or other feedback to us about the Web & App or the Services, you grant to us the right to use or disclose such feedback without any further obligation to you. All rights not expressly granted to you under these Terms are reserved by us. 10.1. You have the right to cancel your Wallet and these Terms for any reason within a ‘cooling-off’ period of fourteen (14) days from the date on which your Wallet is registered. You must contact us within this fourteen (14) day period and inform us that you wish to withdraw from your purchase and these Terms and you must not make any Transactions. We will then cancel your Wallet and reimburse your Available Balance to you within fourteen (14) Business Days of our receipt of your cancellation request. 10.2. If you wish to exercise your right of withdrawal, please refer to the guidance hereon, which can be found at the end of these Terms. 10.3. If you fail to exercise your right to cancel under Clause 10.1, then these Terms shall remain in full force and effect and you may only terminate your Wallet and these Terms in accordance with Clauses 2.1 or 11. 11. Termination and Suspension 11.1. If you wish to terminate your Wallet, which means that the Terms are also terminated, at any time, you must inform us of your wish to terminate through the Web & App or by notifying us in accordance with Clause 15. 11.2. We may terminate or suspend your Wallet or your use of the Service immediately, as well as debit the funds available in the user’s account/balance if applicable, in the event that: 11.3. If there have been no Transactions on your Wallet for a period of at least one (1) year, we reserve the right to terminate it and these Terms. We will give you two months’ notice. 11.4. Upon termination of these Terms and your Wallet in accordance with this Clause 11, all pending Transactions will be processed and, if your Wallet has a positive balance, we will redeem your unused funds, within thirty (30) Business Days: 11.5. Upon termination of these Terms, unless otherwise expressly stated in Clause 12, the provisions of Clause 12 shall apply in such circumstances. 11.6. The Terms in effect as of the date of the termination of your Wallet will survive and continue to apply to any aspects of your use of the Web & App or the Service prior to termination, including your Wallet information, your Available Balance, any outstanding Transactions, and any relationship between you and a Merchant Operator or User formed with the assistance of the Web & App or the Service. 11.7. The termination or expiry of these Terms for whatever cause shall not affect any provision of this Agreement which is expressed or by implication intended to survive or operate in the event of termination or expiry of the Agreement, including but not limited to Clause 7 (Using Your Account), Clause 9 (Proprietary Rights), Clause 11 (Termination), Clause 12 (Redemption) and clause 13 (limitation of liability). 12.1. We will redeem, either in part or in full, the monetary value of the Available Balance on your Wallet, at any time, at par value, following instructions given by you to do so and subject to your payment of any applicable fees and the remainder of this Clause 12. 12.2. We reserve the right to carry out any necessary money-laundering, terrorist financing, fraud and other illegal activity and operational checks before authorizing any redemption or transfer of funds to you, including returning any funds after the termination of these Terms. Accordingly, there may be delays in the time between our receipt of your redemption request and your receipt of the relevant funds. 12.3. We do not guarantee the availability of any particular redemption method using a particular payment service provider and may make changes to or discontinue a particular redemption method at any time as long as there is at least one redemption method available to you. Where the redemption is received by you through the involvement of a payment service provider (e.g. the bank where you hold the beneficiary bank account), we shall not be responsible for the redemption payment once the funds are received by your payment service provider. 12.4. After we have approved the redemption of your funds, you must ensure that the payment details for the transfer are accurate and complete. Where you provide us with incorrect details, we will not be held liable for funds sent to the incorrect payment account or instrument. We reserve the right to charge you a fee in the event that you request our assistance in retrieving money from an incorrect payment account or instrument and transferring that money to the correct payment account or instrument. The fee will correspond to the actual costs incurred by Larstal in this regard. 12.5. You must be the named account holder of the account to which you instruct us to transfer the funds in the case of a redemption request. A breach of this requirement shall be treated as a breach of these Terms and / or a fraudulent act without prejudice to our right to claiming further Losses. If we are required to investigate a redemption for the transfer of funds to a payment account or instrument that is not under your name, we reserve the right to charge you a fee. The fee will correspond to the actual costs incurred by Larstal in this regard. 12.6. You accept that all redemption requests will be made in Euros and via a bank transfer to a designated account. In the instance where the redemptions are made to an account that is in another currency except Euros, you accept and agree that the amount to be redeemed will be converted from Euros by the Web & App to the applicable currency at the rate of exchange displayed on the Web & App at the time of that redemption request (please see our website for details of the source of the exchange rates used by the Web & App from time to time). You accept that such conversion shall be entirely at your own cost and risk, including the result of any fluctuation or difference between the rate of exchange displayed on the Web & App at the time the Inbound Transaction or Loading Transaction is made and at the time of the redemption request. 12.7. If, following any redemption, Outbound Transactions are found to have been made or fees incurred using your Wallet that exceed your Available Balance, we will notify you of any such outstanding amounts, and you shall pay any such amounts to us on demand. 13.1. If we fail to comply with these Terms, we shall be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we shall not be responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us when you activated your Wallet. 13.2. Except as provided in Clause 13.1, we shall not be liable under or in connection with these Terms for any loss of profits, business, revenue or savings (actual or anticipated), loss of agreements or contracts, loss of opportunity, loss of data or loss of, or damage to, goodwill or reputation (including as a result of your inability to participate in any goods, services or offerings of a Merchant Operator, to the extent that is caused by a failure in the Web & App or the Services or delays in the time required for E-Money to appear in your Wallet once you have performed a Loading Transaction or a Merchant Operator has authorized an Inbound Transaction); 13.3. You are solely responsible for your interactions with the Merchant Operator or User. Subject to Clause 5.4, we reserve the right, but have no obligation, to monitor or mediate any disputes between you and any Merchant Operator or Users. 13.4. Except as provided in Clause 13.1 where we have incorrectly and due to our fault: provided that, in each case, if we subsequently establish that the refunded or incremental credited amount had been correctly deducted or credited (as the case may be), we may deduct it from your Available Balance and, if you do not have sufficient Available Balance, you must repay us the amount immediately upon demand. 13.5. Notwithstanding Clause 6, we shall not be liable for any unauthorized or incorrectly executed Transactions in the event that the Transaction was affected by abnormal and unforeseeable circumstances beyond our reasonable control or where we acted in accordance with a legal or regulatory obligation. 13.6. Notwithstanding anything to the contrary in this Agreement, we have the rights to (i) freeze the funds in your Account and refuse to transfer funds out of your Account; or (ii) off set the balance in your Account by using your balance in a different currency, if: 13.7.1. Larstal, acting reasonably, determines that doing so: (i) is likely necessary or prudent to: (1) comply with Applicable Law; or (2) preserve or protect Larstal’s legal rights or remedies; or (ii) would likely assist with an investigation by Larstal or any governmental authority; 13.7.2. you have breached this Agreement; or 13.7.3. you have any unsatisfied debts, obligations, or liabilities to Larstal. 13.8. Abusive Actions. Situations, such as internet connectivity issues, latency, or other technical errors, may arise that could cause transactions on Larstal to not reflect usual business rules accurately. You shall not take advantage of these situations or other errors, bugs, or malfunctions of the Services, or otherwise take any abusive or manipulative trading actions that would provide you with undue commercial advantage or would otherwise not be in good faith. If Larstal, acting reasonably, determines that you have breached this Clause 13.8, Larstal may: (a) reverse all Transactions that are related to such breach; (b) cancel any Transaction that is related to such breach; (c) suspend or close your Account; or (d) freeze and set-off accordingly any funds available. 13.9. This Clause 13 shall survive cancellation of these Terms. 14.1. We shall not have any liability under, or be deemed to be in breach of, these Terms for any delays or failures in performance of any of our obligations under these Terms that result from a Force Majeure Event. 15. Contact Details and Notice 15.1. If you have any questions or concerns about the Services, or to report issues with your Wallet, please contact us by email at support@larstal.com. 15.2. You may serve notices to us in writing at the contact details at Clause 15.1. 15.3 You accept and agree that we may serve notices (excluding notices containing marketing or branding which requires your explicit consent) to you in writing to the email address linked to your Wallet. You may amend the same from time to time. 15.4. You agree that we may provide you with notices and other disclosures in connection with your Wallet and the Services by posting notices on the Web & App. 16.1. We may at any time transfer all or any of our rights and obligations under these Terms to any third party (including by way of merger, consolidation or the acquisition of all or substantially all of our business and assets relating to these Terms), but this will not affect your rights or our obligations under these Terms. 16.2. You may only transfer your rights or your obligations under these Terms to another person if we give our prior written consent to this. 16.3. This agreement is between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end the contract or make any changes to these Terms. 16.4. Nothing in these Terms is intended to, or shall be construed so as to, establish or imply any partnership or joint venture or a relationship of principal and agent between you and us or constitute either of you or us as the agent of the other party, or authorize you or us to make or enter into any commitments for or on behalf of the other party. 16.5. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. 16.6. If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you. 16.7. These Terms and the documents referred to in it, constitute the whole agreement between you and us relating to the subject matter of these Terms, and supersede any prior written or oral arrangement, understanding or agreement between them relating to such subject matter. 16.8. These Terms are provided to you in the English language. Where we have provided a translation of these Terms to you, you agree that such translation is provided for your convenience only and that the English language version of these Terms will govern your relationship with us. If there is any contradiction between the English language version of these Terms and any translation, the English language version takes precedence. 16.9. By participating in the initiative “Help AstroPay grow”, you are accepting that We will share your request to the Merchant together with users’ email, name and surname. Thank you for participating since through this initiative we are sure Merchants will understand how many users want the Merchant to add us to their cashier. 17. Governing Law and Jurisdiction 17.1. This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of Denmark. 17.2. Each party irrevocably agrees that the courts of Denmark shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims). 18. Complaints Handling 18.1. LARSTAL Denmark is a private limited company registered in Denmark under company number 42457590, and whose registered office address is Applebys Pl. 7, 1411, Copenhagen, Denmark is authorized by the Danish Financial Supervisory Authority (Finanstilsynet) as an electronic money institution. We refer to the register of the Danish FSA where Larstal Denmark has received FTID 40514 (Link) Larstal Denmark will ensure all customers have access to the complaints policy and procedure upon request and will include a copy of this document in any written acknowledgement of a complaint, to ensure the customer is aware of his or her rights in following up the complaint. 18.2. If you wish to make a complaint about the Services, you can email us at support@larstal.com, with brief details of your complaint and the phone number and email address associated with your Account or request our complaint form and send to our service email address on the form. Alternative procedures are stipulated in the Complaints Policy and Procedures. We will acknowledge your complaint by email within three business days. 18.3. If the complaint is not resolved by the end of three business days after it’s received, we initiate a formal complaint handling procedure. The email will contain details of the complaints handling procedure and your right to refer the complaint to the Danish Financial Complaint Board or the Danish Consumer Ombudsman if you are dissatisfied with our assessment and ruling. 18.4. We will send you a final response to your complaint within 15 days upon receipt regarding the complaints about rights and obligations arising under Parts 5 and 6 of the Payment Act or within eight (8) weeks upon receipt regarding complaints not related to rights and obligations arising under Parts 5 and 6 of the Payment Act. Should it not be possible to resolve your complaint in this timeframe, we will provide you with a date when we will respond to you, with a reason why, or in any case this will be no later than 35 business days from the date when the complaint was received. 18.5. If you have a complaint about any regulated aspect of the Services that we cannot resolve within the terms specified in Clause 18.4, such complaint may be referred to the Danish Financial Complaint Board St. Kongensgade 62, 2., 1264 Copenhagen, Denmark (further details can be found at www.fanke.dk) or the Danish Consumer Ombudsman, Carl Jacobsens Vej 35, 2500 Valby, Denmark (further details can be found at www.forbrugerombudsmanden.dk/consumer-ombudsman/). It’s also possible to send a complaint to The European Online Dispute Resolution (ODR) ( ec.europa.eu/consumers/odr) or, if you reside in one of the countries listed in Annex A, to the authorities specified therein. Guide on the Right of Withdrawal The withdrawal period is 14 days. The period is generally calculated from the day you entered into the agreement, such as signing the contract or placing the order. According to the Danish Consumer Contracts Act, you are entitled to receive various information, including details about the right of withdrawal and the ordered service. The withdrawal period does not commence until you have received this information in writing (e.g., on paper or via email). For instance, if you place your order on Monday the 1st and have also received the mentioned information, your deadline is through Monday the 15th. If you receive the information later, for example, on Wednesday the 3rd, your deadline is through Wednesday the 17th. If the deadline falls on a public holiday, Saturday, Constitution Day, Christmas Eve, or New Year's Eve, you may wait until the following business day. Before the expiration of the withdrawal period, you must notify us that you have decided to withdraw from the agreement. If you choose to provide this notification in writing – for example, by letter or email – you only need to send the notification before the deadline. If you want to ensure proof of timely withdrawal, consider sending the letter by registered mail and retain the postal receipt. Notification of withdrawal must be sent to: Name: Larstal Denmark ApS, Applebys Pl. 7, 1411, Copenhagen, Denmark Email: support@larstal.com If you reside in Spain: The Bank of Spain’s Complaints Service (Servicio de Reclamaciones del Banco de España) Website: https://www.bde.esPhone: +34 91 338 88 30Email: reclamaciones@bde.es If you reside in Portugal: The Bank of Portugal’s Complaints Service (Provedor do Cliente Bancário do Banco de Portugal) Website: https://clientebancario.bportugal.ptPhone: +351 21 313 01 00Email: info@bportugal.pt ‍If you reside in Austria: Federal Ministry of Labour, Social Affairs and Consumer Protection Website: https://www.sozialministerium.at/en.htmlPhone: +43 1 711 00 If you reside in Croatia: Croatian National Bank (HNB) Website: https://www.hnb.hr/en/Phone: +385 1 4564 555 Email: info@hnb.hr If you reside in France: Autorité de Contrôle Prudentiel et de Résolution (ACPR) Website: https://acpr.banque-france.fr/ Phone: +33 1 49 95 40 00 Email: info-acpr@acpr.banque-france.fr If you reside in Germany: Website: https://www.bafin.de/EN/ Phone: +49 228 4108 0 Email: poststelle@bafin.de If you reside in Italy: Bank of Italy (Banca d'Italia) Website: https://www.bancaditalia.it/ Phone: +39 06 47921 Email: email@bancaditalia.it If you reside in the Netherlands: Netherlands Authority for the Financial Markets (AFM) Website: https://www.afm.nl/en Phone: +31 20 797 2000 Email: info@afm.nl If you reside in Norway: Financial Supervisory Authority of Norway (Finanstilsynet) Website: https://www.finanstilsynet.no/en/ Phone: +47 22 93 98 00 Email: post@finanstilsynet.no If you reside in Poland: Polish Financial Supervision Authority (KNF) Website: https://www.knf.gov.pl/en/ Phone: +48 22 262 50 00 Email: knf@knf.gov.pl If you reside in Sweden: Swedish Financial Supervisory Authority (Finansinspektionen) Website: https://www.fi.se/en/ Phone: +46 8 408 980 00 Email: finansinspektionen@fi.se If you reside in Bulgaria: Commission for Consumer Protection Website: https://www.kzp.bg/en Phone: +359 2 933 0565 Email: info@kzp.bg 1. Larstal does not charge any direct Fees to you as User. 2. The only applicable cost arises from currency conversion, where the final exchange rate may vary depending on the market rate and its volatility at the time of the transaction. 3. Idleness Fee, from EUR 50 up to fifty percent (50%) of the Available Balance per month if you fail to respond to information or regulatory inquiries. ---