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Mobile Application User Agreement

Mobile Application User Agreement

FOR Payabl. Card Manager

PLEASE READ THIS USER AGREEMENT CAREFULLY

BY DOWNLOADING THE APP, YOU AGREE TO THE USER AGREEMENT.

IF YOU DO NOT AGREE TO THE USER AGREEMENT – DO NOT DOWNLOAD THE APP.

Version No. 1 dated 11.07.2025

  1. Definitions

    “App” – means Payabl. Card Manager, which is a software application available in Google Play and Apple Store that allows You to view and control your Cards.

    “You”, “User” – means any user, which is using the App according to the present User Agreement;

    "We", "Us", “payabl.” – means Payabl. CY Limited, a company incorporated and existing under the laws of the Republic of Cyprus with registration no. HE289380, having its registered address at 23 Olympion, Libra Tower, 5th Floor, 3035, Limassol, Cyprus, which is a payment institution licensed by the Central Bank of Cyprus under no. 115.1.2.9/2018 and provides various payment services to You.

    “User Agreement” – means this Mobile Application User Agreement with You, which regulates your access to the App.

    “Card” – means your corporate bank card that you agreed to open with us. The cards belong to the Company as provided by Card Terms of Usage for Beneficiaries.

    “Services” – means the Card and the additional services specified in the General Terms and Conditions, which are provided by Us and our partner – DiPocket UAB, a company incorporated and existing under the laws of Lithuania with registration no. 305599375, having its registered address at Lvivo g. 25, LT-09320, Vilnius, the Republic of Lithuania, which is a Financial Institution authorized and regulated by the Bank of Lithuania.

    Unless the context requires otherwise, terms defined in this User Agreement shall have the meaning assigned to them whether or not they are capitalized, and whether used in singular or plural form.

  2. General

    This User Agreement shall form a legal contract between You and payabl., setting forth the terms governing the use of the App.

    This User Agreement is entered into and effective from the moment You started using the App or You accepted this User Agreement and continues until You or We terminate the Agreement (this period, the “Term”).

    This User Agreement should be read together with our General Terms and Conditions, payabl. Card Terms of Usage for Beneficiaries and Privacy Notice, which are referenced in Clause 3 of the User Agreement.

    By accepting this User Agreement, you agree to be bound by provisions stated herein.

    We may amend this User Agreement at any time and we will notify you of any such amendment through the App and/or in any other way we deem appropriate, and any such amendments will be considered as an effective way of communication of the relevant amendment to you.

    We will not charge you for using our App.

  3. How You Can Use the App

    You can use our App to:

    • See all the Cards you’ve opened with us;
    • Manage your Cards and accounts;
    • View your payment history;
    • Use any other features we may add from time to time.

    We have the right to change the functionality of the App from time to time without any prior notice.

    Conditions that You must fulfil in order to use the App:

    • You must be 18 or over to accept this User Agreement and download the App.
    • The App must be downloaded from official application stores only such as Google Play and Apple Store. We recommend that you always use the latest version of the App. Depending on what the update is, you may not be able to use it until you have installed the latest version.
    • Before using the App, you must have a Card issued to you and agree to General Terms and Conditions and Card Terms of Usage for Beneficiaries. You must have an authorization from your Company to issue the Card;
    • Your operating system must be compatible with our requirements, which are stated in clause 4 below.

  4. Additional terms applicable to You in connection to the App or the Services

    The services we provide to You and the usage of the App will be governed by the following terms of use and privacy policies:

    Additional terms and conditions Web address of terms of use
    General Terms and Conditions https://payabl.com/card-terms-general
    Card Terms of Usage for Beneficiaries https://payabl.com/card-usage
    Privacy policy https://payabl.com/privacy-policy

    Your use of the App may also be governed by the rules and policies of the Apple App Store or Google Play Store, where applicable. In the event of any inconsistency between this User Agreement and the rules or policies of the Apple App Store or Google Play Store, the latter shall prevail, but only to the extent of the subject matter specifically covered by those rules or policies.

  5. Operating system requirements

    To use the App, your mobile device must meet the following system requirements:

    • For iOS devices: iOS 16 or later;
    • For Android devices: Android 7.0 (API level 24) or later.

  6. Scope of the License that we grant to you:

    We grant you a strictly personal, non-exclusive and non-transferable license (the "License") to install the App, including future updates, on your mobile device and use it in the following manner:

    1. We reserve all rights to the App, including property rights, copyrights and intellectual property rights.
    2. No property rights including intellectual property rights are transferred to you. The License exclusively gives you the right to install the App on your mobile device and use it for the purposes stated herein and/or as stated in our General Terms and Conditions and Card Terms of Usage for Beneficiaries.
    3. Our trade names, marks and logos (or symbols comparable with these) displayed in the App are our property. You may not use any of these trade names, marks or logos.
    4. You may not alter, copy, distribute, transfer, display, publish, sell, resell or grant a license of our App or to any information or software connected with our App.

  7. The App License restrictions

    You agree that you will:

    1. not rent, lease, sub-license, loan, provide, or otherwise make available, the App or the Services in any form, in whole or in part to any person without prior written consent from us;
    2. not copy the App or any App Content, except as part of the normal use of the App where it is necessary for the purpose of back-up or operational security;
    3. not translate, merge, adapt, vary, alter or modify, the whole or any part of the App or the App Content nor permit the App or any part of them to be combined with, or become incorporated in, any other programs, except as necessary to use the App, the App Content and the Services on devices as permitted in these terms;
    4. use the App or any Service in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with this user Agreement, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the App, or any operating system;
    5. infringe our intellectual property rights, including in connection with the App Content, or those of any third party in relation to your use of the App;
    6. bear all fees, charges, or expenses which may be imposed by mobile phone and/or telecommunications service providers for, or in relation to, the installation and/or use of the App;
    7. not transfer any rights and obligations according to this User Agreement to a third party without our explicit consent.

  8. Update to the App and changes to the Service

    From time to time, we may automatically update the App and change the Services to improve performance, enhance functionality, reflect changes to the operating system or address security issues. Alternatively, we may ask you to update the App for these reasons.

    If you choose not to install such updates or if you opt-out automatic updates you may not be able to continue using the App and the Services.

  9. Security

    You should act reasonably to ensure the security of the App, your Card, information and any transactional data. Specifically, you have to:

    • use all reasonable efforts to protect the confidentiality of your mobile device authentication method;
    • take all security measures to ensure that your mobile device is authenticated by you and only by you;
    • read all information updates that are notified to you from us from time to time;
    • Use a secure and unique password.

    If you don’t follow these rules properly, your personal data could be at risk, and someone might gain unauthorized access to your App or account.

    You must notify us immediately if:

    • you notice any unauthorized use of the App;
    • you suspect of any fraud or that your data has been exposed;
    • there is any actual or possible security issue related to your App;
    • your mobile device is lost or stolen.

    If the Card or your mobile device is lost or stolen, or someone else finds out the PIN, or if you think the Card, card number, or PIN, or the App may be misused or compromised, you must:

    • block the Card immediately and report about the lost or stolen Card to cards.support@payabl.com between 9.00 to 18.00 Eastern European Time (EET) (UTC+02:00) or Eastern European Summer Time (EEST) (UTC+03:00), so that we can block the Card for you; or you may contact us by phone at +357 25272300;
    • stop using the Card, card number or PIN immediately.

    If you find the Card or your mobile device after you have reported it lost, stolen or misused, you must destroy it and inform us as soon as you can by using cards.support@payabl.com.

  10. Intellectual property rights

    All intellectual property rights in and to the App, including but not limited to its content, design, features, functionality, software, source code, and all trademarks, trade names, logos, and service marks (collectively, the “App Content”), are owned by or licensed to Us and are protected by applicable intellectual property laws.

    You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the App and the App Content solely for utilizing the Services and in accordance with General Terms and Conditions, Card Terms of Usage for Beneficiaries and the User Agreement.

    Nothing in this User Agreement grants you any rights, title, or interest in or to any intellectual property owned or licensed by Us, except for the limited license expressly provided above. Any reproduction, distribution, modification, or other unauthorized use of the App or App Content is strictly prohibited and may result in the termination of your access to the App and/or legal action.

  11. Liability

    We will not be liable in case you have any trouble accessing the App or you encounter any problems while using it.

    We will not be liable for any losses or costs or damage caused by abnormal and/or unforeseeable events which are outside of our control, which might for example include a machine failing to work or industrial disputes, or resulting from the use of software on your mobile device which has not been officially approved by the manufacturer of the operating system of your mobile device.

    We will not be liable for any losses and/or costs and/or damage that may occur to your device hardware or software or loss of data that results from the use of the App, except if such damage has been caused by our fault.

    We are not liable for any indirect damage and/or loss caused by use of our App.

    You are liable for any damage to your mobile device or any loss of data arising from downloading or using the App, which is not due to our fault.

  12. No Warranty

    THE APP AND ALL RELATED SERVICES ARE PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES, REPRESENTATIONS, OR GUARANTEES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PAYABL. DOES NOT WARRANT THAT THE APP OR ITS CONTENT WILL BE ACCURATE, RELIABLE, UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU USE THE APP AT YOUR OWN RISK AND ARE SOLELY RESPONSIBLE FOR ENSURING ITS SUITABILITY FOR YOUR INTENDED PURPOSE AND THE COMPATIBILITY WITH YOUR DEVICE. NOTHING IN THIS CLAUSE AFFECTS ANY RIGHTS YOU MAY HAVE UNDER APPLICABLE MANDATORY LAW, INCLUDING CONSUMER PROTECTION LAWS.

  13. Termination

    We may terminate your rights to use the App and Services at any time by contacting you, including in the following cases:

    1. if you have breached any condition of this User Agreement;
    2. if you have breached the General Terms and Conditions or Card Terms of Usage for Beneficiaries;
    3. if your continued use of the App threatens, or is likely to threaten, the security, functionality, or integrity of the App or our Services;
    4. in any other case where such termination or suspension is reasonably necessary in accordance with the General Terms and Conditions, Card Terms of Usage for Beneficiaries, payabl.’s internal policies or applicable law.

    If we end your rights to use the App and Services:

    1. You must stop all activities authorized by this User Agreement, including your use of the App and any Services.
    2. You must delete or remove the App from all devices in your possession and immediately destroy all copies of the App which you have and confirm to us that you have done this.
    3. We may remotely restrict your access the App’s functionality or to the Services.

  14. Your privacy

    We are committed to protecting your personal data and respecting your privacy. Our data processing practices are described in detail in our Privacy Policy, which forms an integral part of these Terms and Conditions. Before using the App, you are required to read, understand, and accept our Privacy Policy. By accepting these Terms and using the App, you confirm that you have reviewed and accepted our Privacy Policy. You can access our Privacy Policy at any time at https://payabl.com/privacy-policy.

    As required under Article 13 of the General Data Protection Regulation (GDPR), we provide below a summary of how we process your personal data when you use this mobile application. This summary complements our Privacy Policy, which applies to all users of our services, including the App.

    Information Category Description
    Types of Personal Data When you use the App, we may collect data such as your full name, contact details, usage data, device information, geolocation (if enabled), and technical identifiers as well as transactional details.
    Purpose of Processing Your data is processed for purposes including account management, provision of services, user support, fraud prevention, security, compliance with legal obligations (e.g. AML – Anti Money Laundering Laws, KYC obligations etc.), and improvement of the App.
    Legal Basis Processing is based on:
    Performance of a contract (Art. 6(1)(b) GDPR)
    Legitimate interests (Art. 6(1)(f))
    Compliance with legal obligations (Art. 6(1)(c))
    Your consent (Art. 6(1)(a)) for optional features such as location services or marketing communications.
    Recipients of Data Personal data may be shared with service providers and third parties, business partners, and affiliated companies strictly for the purposes stated above, and under contractual confidentiality and data protection obligations.
    International Transfers If your personal data is transferred outside the European Economic Area (EEA), these transfers are carried out in compliance with Articles 44 - 50 of the GDPR. We implement appropriate safeguards to protect your data, including European Commission-approved Standard Contractual Clauses (SCCs) and other lawful transfer mechanisms, such as adequacy decisions, when applicable. We may also implement additional technical and organizational measures to ensure an equivalent level of protection in line with EU data protection standards.
    Data Retention We retain your data only for as long as necessary for the purposes for which it was collected, or as required by applicable laws and regulations.
    Your Rights You have the right to request access to your personal data, as well as the rectification or erasure of such data. You may also request the restriction of processing, object to the processing of your data, and exercise your right to data portability, in accordance with Articles 15 to 21 of the GDPR. If you have any questions about the processing of your personal data or wish to exercise your rights, you can contact us at dataprotection@payabl.com . You also have the right to lodge a complaint with a supervisory authority if you believe that your data protection rights have been violated.

  15. Support for the App and Contact Information

    Support contact Information for the App. If you have any problem with accessing or using the App, please write to us to the following email address: banking.techsupport@payabl.com.

    Complaints and feedback. If you are dissatisfied with your experience using the App or the Card, please contact us and share your feedback. Any complaints or feedback must be submitted in accordance with our Complaints Handling Policy, available at: https://payabl.com/complaints-handling-policy.

    How we will communicate with you. If we need to contact you, we will do so via the App or by email, phone, by SMS, using the contact details you have provided to us.

  16. We may transfer this User agreement to someone else

    We may transfer our rights and obligations under this user Agreement to other third parties. We will inform you if this happens and we will ensure that the transfer will not affect your rights under the contract.

  17. If a court finds part of this contract illegal, the rest will continue in force

    Each of the paragraphs of this User Agreement 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. Even if we delay in enforcing this User Agreement, we can still enforce it later

    If we delay in enforcing this User Agreement, we can still do so later. For example, if we don’t immediately take action when you break the rules, that doesn’t mean you’re no longer required to follow them, and it won’t stop us from taking action in the future.

  19. Which laws apply to this User Agreement and where you may bring legal proceedings

    This User Agreement shall be governed by and construed in accordance with the laws of the Republic of Cyprus.

    Any disputes arising out of or in connection with this User Agreement that cannot be resolved through the internal complaints handling procedure set out in the User Agreement, General Terms and Conditions and Card Terms of Usage for Beneficiaries shall be submitted to the competent courts of Cyprus, unless otherwise mandated by applicable consumer protection laws.