Terms of Use
Updated on July 24th 2025
TERMS AND CONDITIONS
Last updated: July 2025
These Terms and Conditions, including any Frame Agreement, Specific Agreement, Data Protection and Confidentiality Policy, Fees and other agreements, are the Legal Agreement between: A PLUS PAYMENT SOLUTIONS LTD LIMITED, an Electronic Money Institution existing registered in United Kingdom, and having its registered office at THIRD FLOOR 22 CITY ROAD, LONDON, ENGLAND, EC1Y 2AJ, licensed under the European Payment Service Directive (the “Law”), fully authorised to provide services to clients worldwide, under the prudential supervision of the Financial Conduct Authority (FCA – http://www.fca.org.uk/) and The Client.
A copy of the Public Register of FCA of licensed Electronic Money Institutions can be seen at: https://register.fca.org.uk/
TERMINOLOGY
The following defined terms are used in these General Terms and Conditions:
"Payment Account" means all payment accounts opened by the E-Money Institution in the name of its customers and includes all funds or balances thereof, deposited therein, all accrued and all related rights.
"E-Money Institution" or "A PLUS PAYMENT SOLUTIONS LTD" means A PLUS PAYMENT SOLUTIONS LTD, an Electronic Money Institution existing under the laws of United Kingdom, and having its registered office at THIRD FLOOR 22 CITY ROAD, LONDON, ENGLAND, EC1Y 2AJ, together with its successors in title and assigns, and in so far as these General “Terms and Conditions” stipulate the giving of notices or information or other communications from the Client to the E-Money Institution.
"Balance" means any money in any currency, supported by A PLUS PAYMENT SOLUTIONS LTD that Client has in the Client’s account.
"Business account" means an account opened by a Legal Entity and used for business purposes and not for personal, family, or household purposes.
"Business Day" means Mondays to Fridays excluding public and bank holidays in United Kingdom, and on which day the E-Money Institution is open for business.
"Business Hours" means 09:00 hours to 18:00 hours London Time or as may be otherwise determined by the E-Money Institution from time to time.
"Client" or “User” means a natural or legal person or other type of entity, that registers for the Service as Client or actually uses the Service as a Client. A natural person can also have a business account, such he/she is not using primarily for personal needs.
"Corporate customer" or "Corporate Client" means a client that is a legal entity established under the laws of a certain jurisdiction.
"Client e-mail address" means the e-mail address provided by Client in the Account opening application or later amended by Client via the Service, which A PLUS PAYMENT SOLUTIONS LTD will use for communication with Client, or for sending OTP (One Time Password) to Client and for communication with Client.
"Client mobile phone number" means the mobile phone number provided by Client in the Account opening application or later amended by Client via the Service, which A PLUS PAYMENT SOLUTIONS LTD will use for sending OTP (One Time Password) to Client and for communication with Client.
"Currencies, supported by A PLUS PAYMENT SOLUTIONS LTD" means various currencies, supported by A PLUS PAYMENT SOLUTIONS LTD for the Service, in which A PLUS PAYMENT SOLUTIONS LTD holds Client’s balance.
"Consumer" means a natural person, who uses the Service for personal needs, different from his/her business, commercial or professional needs or activities. Any other natural or legal person, using the Service mainly for business, professional, commercial or other purposes, different from personal, family or households needs, is not a consumer, and some parts of these Terms and Conditions do not apply to persons who are not consumers or are dealt with differently.
"Disputes" means any disagreements, complaints, litigation, arrangements and/or other such disputes between A PLUS PAYMENT SOLUTIONS LTD and Client arising from these “Terms and Conditions” or in relation to the use of Service, or any applicable law.
"General Terms and Conditions" or "Terms and Conditions" shall mean these General Terms and Conditions of Business as the same may from time to time be amended.
"International Transfer" and "SHA, BEN or OUR" means an international outbound money transfer ordered by Client from Client’s account to any bank account of a payee, executed via SWIFT system (international communications platform, products and services that allow banks and financial institutions to connect and exchange financial information securely and reliably, www.swift.com), to which A PLUS PAYMENT SOLUTIONS LTD is a member. "SHA, BEN or OUR" are codes of SWIFT rules, meaning that:
in case Client selects code SHA (shared) Client pays A PLUS PAYMENT SOLUTIONS LTD`s charges and the beneficiary bears the charges of all the other banks (the intermediary bank, beneficiary bank, etc.). The beneficiary will receive the remaining balance.
in case Client selects code BEN (beneficiary), beneficiary bears all charges of the banks engaged in the transfer of the payment. All charges as A PLUS PAYMENT SOLUTIONS LTD fees and those of the intermediary bank, beneficiary bank, etc. will be deducted from the transfer amount and the beneficiary will receive the remaining balance; or
in case Client selects code OUR (our) Client bears all charges of the payment, which includes A PLUS PAYMENT SOLUTIONS LTD`s fee, as well as all the other banks' fees (intermediary bank, beneficiary bank, etc.). The beneficiary receives the complete payment. A PLUS PAYMENT SOLUTIONS LTD will debit the Client`s account with the Correspondent bank charges at a later stage than the processing date of the payment.
"Mass transfer" or "Mass payment" is part of the Service, available to Business accounts, which enables Client to submit Electronic Money for mass payments (multiple money transfers to various payees) via the Service.
"Non-payment transaction" means operation for check of balance, history of transactions, statements, providing security for compensation of obligations (if applicable) and other non-payment transactions available for the Service.
"Online account" is personalised E-Money via which Client can provide instructions to A PLUS PAYMENT SOLUTIONS LTD for issuance of electronic money. It is a personalised online page, provided by A PLUS PAYMENT SOLUTIONS LTD to a Client, who successfully registers for the Service, which can be accessed by Client with Client’s Identifying credentials and is used for the issuance of electronic money online, as allowed by the Service.
"Payment Order" means all instructions validly made from the Payer or the Payee to A PLUS PAYMENT SOLUTIONS LTD, ordering execution of payment transaction.
"Payment transaction" means the transactions for electronic money issuance or any other payment transactions with payment instrument available for the Service.
"Payer" means a client that submits the Payment Order.
"Payee" means a client that is a recipient/beneficiary of the amount of the payment transaction.
"Personalised security features" or "Identifying Credentials" means all personalised security characteristics of all payment instruments, such as the username and password, OTP (One Time Password), security codes and all other unique and/or identifying information that A PLUS PAYMENT SOLUTIONS LTD provides to Client to access Client’s account and payment instruments and use the Service under these Terms and Conditions.
"Recurring Payment" means a payment under an arrangement where Client provides authorization to A PLUS PAYMENT SOLUTIONS LTD for a third party to collect a series of payments to execute transfers from Client’s Account according to a “Standing order”.
"EFT Transfer" means an outbound money transfer from Client’s account and balance in Payee’s local bank account in payee’s country currency.
"Service" refers to any payment instruments and Accounts and/or any other service A PLUS PAYMENT SOLUTIONS LTD may provide to Client from time to time, including but not limited to accounts, such as current account in multiple currencies, supported by A PLUS PAYMENT SOLUTIONS LTD, identified with unique account numbers and all payment transactions, such as money transfers or others, which can be performed via the accounts, including via the online account;
"Standing order" means a payment order that Client gives to A PLUS PAYMENT SOLUTIONS LTD to perform a set of recurring money transfers or a payment with future date with defined amount, currency, beneficiary, start date and expiry date.
"Trusted beneficiaries" means payees, which have been approved by the Client, following a procedure in the online account by the Client, to receive payments from the Client’s account with A PLUS PAYMENT SOLUTIONS LTD only with confirmation from the Client via the online account.
"Website for the Service" means the website of A PLUS PAYMENT SOLUTIONS LTD - www.aplus-payments.com as indicated to Client and all related URLs, provided by A PLUS PAYMENT SOLUTIONS LTD, accessed by Client via the Internet, which is the interface used by A PLUS PAYMENT SOLUTIONS LTD for Registration of Client for the Service, concluding this General Terms and Conditions, providing information to Client prior to entry into “Terms and Conditions” and other important information for the Service and notifications, updated Exchange currency rates of A PLUS PAYMENT SOLUTIONS LTD, login to Client online account for the Service and other important marketing, financial, legal and security information for the Service.
"Value Date" means a reference time used by E-Money Institution for debit or credit funds on Client’s online Account.
TERMS OF SERVICE
Use of the Service is subject to the Terms and Conditions. The Terms and Conditions will be effective from the date of acceptance by Client ("Effective Date").
By accepting the “Terms and Conditions”, Client agrees to use the Services in accordance with the requirements of the Terms and Conditions.
Client can accept the Terms and Conditions by:
Signing the Terms and Conditions on a hard copy in office of A PLUS PAYMENT SOLUTIONS LTD, at the location of the Client, via e-mail; or
If available for the Service, by clicking to “Accept” or “Agree” to the Terms and Conditions, where this option is made available to Client by A PLUS PAYMENT SOLUTIONS LTD on the website for the Service, Account Application, or via the Mobile Application for the Service. Clicking to Accept or Agree to the Terms and Conditions, where this option is made available to Client by A PLUS PAYMENT SOLUTIONS LTD on the website for the Service represents an advanced digital signature made by Client and therefore the electronic document of the Terms and Conditions is deemed as duly signed by Client, or
Actually using any of the Services- In this case, Client agrees that A PLUS PAYMENT SOLUTIONS LTD will treat usage of the Service by Client as acceptance of the Terms and Conditions from the moment of first use of Service.
The Services are described in Section Definitions as Service in these Terms and Conditions. Client may be required by A PLUS PAYMENT SOLUTIONS LTD to agree with a Special Agreement related to the type of account or Services of A PLUS PAYMENT SOLUTIONS LTD. There Terms and Conditions apply to current accounts, as well as to the other type of accounts offered by A PLUS PAYMENT SOLUTIONS LTD.
A PLUS PAYMENT SOLUTIONS LTD may introduce innovations, improvements, developments, new functionalities, upgrade accounts or amend the names of accounts or products unilaterally and without the consent of Client, for which A PLUS PAYMENT SOLUTIONS LTD shall inform Client via the website for the Service or via the Client’s online account or via e-mail. However, where a change to the Service constitutes a modification to the preliminary information to be presented to Client prior to concluding these Terms and Conditions, as required by the Law, or narrowing the Services, Client will be given notice by an email sent to Client email address stated in the Account Application form.
Privacy: Protecting Client’s privacy is very important to A PLUS PAYMENT SOLUTIONS LTD. Client must read A PLUS PAYMENT SOLUTIONS LTD Privacy Policy part of these Legal Terms and Conditions, in order to better understand A PLUS PAYMENT SOLUTIONS LTD’s commitment to maintain Client’s privacy, as well as A PLUS PAYMENT SOLUTIONS LTD’s use and disclosure of Client’s information.
A copy of the Terms and Conditions will be provided to Client in a hard-copy or printable form during the sign-up process. A copy of the Terms and Conditions, as amended from time to time, is available to Client on the website for the Services and in the online account. Client may request to be provided with a copy of the Terms and Conditions, and a link to the Terms and Conditions will be sent to Client email address for printing.
The Terms and Conditions and all communication with Client will be in English language. Where A PLUS PAYMENT SOLUTIONS LTD has provided Client with a translation of the English-language version of the Terms and Conditions or communication, Client agrees that the translation is provided only for Client convenience and that the English-language versions of the Terms and Conditions and communication will govern the relationship with A PLUS PAYMENT SOLUTIONS LTD. If there is any contradiction between the English-language version and a translation, the English-language version takes precedence.
ELIGIBILITY FOR SERVICES, ACCOUNT TYPES
To be eligible for the Service, Client must be:
A resident of one of the countries acceptable to A PLUS PAYMENT SOLUTIONS LTD; and (ii) has full legal capacity to enter into a contract; and (iii) not be present on any black list or sanctions lists, related to Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) purposes, officially published and notified by Regulators or other black lists as per the Internal AML Rules of A PLUS PAYMENT SOLUTIONS LTD.
Types of accounts: A PLUS PAYMENT SOLUTIONS LTD offers payment accounts in different currencies, supported by A PLUS PAYMENT SOLUTIONS LTD.
Information about the transactional limits is available on the website of A PLUS PAYMENT SOLUTIONS LTD. or regulatory, risk and security reasons A PLUS PAYMENT SOLUTIONS LTD may impose or change the limits unilaterally and without the consent of Client, for which A PLUS PAYMENT SOLUTIONS LTD shall inform Client via the website for the Service or via the Client’s online account or via e-mail, unless A PLUS PAYMENT SOLUTIONS LTD is not permitted by law to notify Client in certain cases. A PLUS PAYMENT SOLUTIONS LTD is entitled at its sole discretion to decide whether to change the limits after a customer request for change of limits and A PLUS PAYMENT SOLUTIONS LTD shall not be liable in case of decline of request.
Clients enrolling for the Services via website of A PLUS PAYMENT SOLUTIONS LTD or via business introducers or Clients, who have successfully completed the verification procedure available in the Online Account for the Service or other customer verification procedure of A PLUS PAYMENT SOLUTIONS LTD, may be eligible for a payment account. A PLUS PAYMENT SOLUTIONS LTD may require at any time additional information as a condition of continued use of the Service or to assist in determining whether to permit Client to continue to use the Service. Client agrees to provide such information without delay, as A PLUS PAYMENT SOLUTIONS LTD may require in this regard.
Upon registration for the Service and during the term of these Terms and Conditions, Client must provide current, complete and accurate information for Know your customer (KYC) needs, as requested by A PLUS PAYMENT SOLUTIONS LTD and maintain it as current and accurate during use of the Service. In case of any changes in information provided by Client, Client agrees to update the information in the online account without DELAY.
Upon registration for the Service, Client will be provided by A PLUS PAYMENT SOLUTIONS LTD with credentials – username and password to the online account platform of A PLUS PAYMENT SOLUTIONS LTD. Client may activate the access to the online account as per the instructions or procedures of A PLUS PAYMENT SOLUTIONS LTD.
Client declares that Client is registering for the Service on Client’s behalf (individually or as a legal representative of an entity or organisation) or, alternatively, on behalf of a third party, in which case the Client has to send to A PLUS PAYMENT SOLUTIONS LTD a notarized power of attorney or another legal document, acceptable to A PLUS PAYMENT SOLUTIONS LTD, authorizing the person on behalf of the Client.
Client’s representations
In the business relationship with the Client, A PLUS PAYMENT SOLUTIONS LTD relies on the representations made to it by the Client or by third parties at the request of the Client, in particular relating to:
The identity of the Client,
The business activities and financial situation of the Client,
The credentials of the Client
The legal powers and authority of the Client and, in case of a legal entity, its authorised signatories, and
The ownership and source of funds or assets of the Client entrusted to A PLUS PAYMENT SOLUTIONS LTD and on such other matters relevant to particular facilities as stated in specific agreements.
The Client shall comply with all applicable laws and regulations, including legislation on anti-money laundering and anti-terrorist financing and any orders issued by the relevant regulatory authorities in so far as the Bank’s services are involved.
In the event that any representation appears to the "A PLUS PAYMENT SOLUTIONS LTD" to be incomplete or incorrect, then the "A PLUS PAYMENT SOLUTIONS LTD" shall be entitled to suspend all and any payment instructions of the Client and unless satisfactory information and/or evidence is brought to the attention of the "A PLUS PAYMENT SOLUTIONS LTD" within a reasonable time, the "A PLUS PAYMENT SOLUTIONS LTD" shall be entitled to terminate immediately its relationship with the Client in terms thereof.
INWARD PAYMENTS
Client can receive a transfer to Client’s account provided by A PLUS PAYMENT SOLUTIONS LTD. A PLUS PAYMENT SOLUTIONS LTD is not responsible for and does not control when A PLUS PAYMENT SOLUTIONS LTD will receive the funds from other parties and whether other parties or correspondent banks will charge Client fees for the transfer and will transfer the full amount to A PLUS PAYMENT SOLUTIONS LTD. Client will be notified through information in the online account in the balance and transaction history on the amount of the transfer and date of credit operation.
In order to receive an inward transfer, the Client (as Payee) must provide correctly to the payer the following mandatory information: name, address and account number, or the respective replacing information if allowed by A PLUS PAYMENT SOLUTIONS LTD. The absence of the mandatory information might result in the postponing or rejection of the inward transfer for which A PLUS PAYMENT SOLUTIONS LTD shall not be responsible.
In cases of inward transfers with wrong or missing data in the payment order (e.g. discrepancy between the name and Account Holder, missing account number or name of the Account Holder, account written in a wrong way, etc.), A PLUS PAYMENT SOLUTIONS LTD is entitled not to credit the amount and return the amount and/or make investigations and correcting actions necessary for correct payment order, for which fees specified in the Fees section of charges of A PLUS PAYMENT SOLUTIONS LTD may be applied.
Client agrees that A PLUS PAYMENT SOLUTIONS LTD may for regulatory reasons impose different limitations on amounts transferred, or special requirements, or not accept bank transfers from certain banks, upon discretion of A PLUS PAYMENT SOLUTIONS LTD.
PAYMENTS
Internal transfers: Client may transfer money to Client’s accounts or third parties accounts within the system of A PLUS PAYMENT SOLUTIONS LTD. In order to make an internal transfer, Client must state the correct account number or another Client’s email address and submit a correct payment order via the Service.
EFT transfers: Client can make via the Service outward money transfers from Client’s account/s in 40 currencies in over 45 different countries. To make a correct payment order for EFT transfer Client must provide full and correct names of beneficiary, correct beneficiary account number details, country and BIC of beneficiary (bank of recipient).
International Transfers: Client can make via the Service outward money transfers from Client’s account/s to any bank account, except for bank accounts in countries or of persons or entities, which are not allowed by the Service. A PLUS PAYMENT SOLUTIONS LTD will perform correct payment orders for international transfers in compliance with SWIFT rules on international transfers. To make a correct payment order for international money transfer Client must provide full and correct names of beneficiary, correct beneficiary account details, such as account number and Bank Identifier Code (BIC) for bank of beneficiary or other number of beneficiary account and SWIFT code of bank of beneficiary, and other data, as requested by the Service in the online account of Client.
INSTRUCTIONS TO A PLUS PAYMENT SOLUTIONS LTD
Instructions to, communications and statements with A PLUS PAYMENT SOLUTIONS LTD are given in writing. A PLUS PAYMENT SOLUTIONS LTD will act on verbal instructions only if such instructions are confirmed in writing. Instructions may be placed via the online account of A PLUS PAYMENT SOLUTIONS LTD, unless otherwise allowed by A PLUS PAYMENT SOLUTIONS LTD.
Transmission of Instructions – Facsimile, Telex, E-mail or Other Electronic Means It is at the E-Money Institution’s discretion, whether to act upon any instructions received by electronic mail or other electronic means from the Client from time to time, notwithstanding that the Client may have given authorization to the Bank to do so.
When the payment order is submitted via the online account of A PLUS PAYMENT SOLUTIONS LTD, the payment order shall be considered as authorised by the Client and irrevocable after Confirmation and entry of a valid one-time password (OTP). In some cases, as described below, the payment order will be authorised and irrevocable only after confirmation via the online account and there will be no need of entry of OTP (One-Time Password) for each payment order.
The E-Money Institution shall not be liable for any adversarial effects arising out of the use of such means of communications and must be kept fully indemnified against all claims, damages, charges and expenses which the E-Money Institution may incur directly or indirectly in compliance with these instructions, or any incorrect or improper authorizations received by the E-Money Institution through use of these electronic means of communication.
A PLUS PAYMENT SOLUTIONS LTD shall execute the authorised payment order of Client, provided that Client has enough balance in the debited account to cover the amount of the transfer and the applicable fees. A PLUS PAYMENT SOLUTIONS LTD may refuse to execute a specific transaction if there is not enough balance in the respective account, or A PLUS PAYMENT SOLUTIONS LTD reasonably believes that the payment order is made by unauthorised person or transaction is fraudulent, illegal or in breach of the present “Terms and Conditions” or any law or regulation.
Furthermore, A PLUS PAYMENT SOLUTIONS LTD shall not be under any obligation to process any Payment Order in any of the following cases:
the balance in the account is not sufficient to cover the amount of the order plus related costs and expenses.
there exists a garnishee or other court order in relation to Client’s funds.
there exists reasonable suspicion about the source or use of funds in terms of the applicable legislation enacted to prevent money laundering and terrorism financing.
there exist other similar and comparable circumstances.
instructions lack the necessary mandatory information.
instructions are not clear or are incomplete.
A PLUS PAYMENT SOLUTIONS LTD is not obliged to, process an order if it results in any account being overdrawn and the mere fact than an account will thereby be overdrawn shall not imply any obligation on the part of A PLUS PAYMENT SOLUTIONS LTD to advise the Client before processing it, as the Client is expected to know the effects of his own instructions.
Deadline for performance of correct payment orders for outward money transfers:
Deadline for performance of Internal money transfer – within the same day (“Value Date”) as of the date of placement of correct payment order.
Deadline for performance for EFT transfers: A PLUS PAYMENT SOLUTIONS LTD shall debit the account of Client and shall execute the order after receipt of confirmed Payment Order at the latest by the end of the next Business Day for Payment Orders EFT transfers received by 12:00 pm in a Business Day. Payment Orders for EFT transfers, received by A PLUS PAYMENT SOLUTIONS LTD after 12:00 pm or in a day, which is not Business Day for A PLUS PAYMENT SOLUTIONS LTD, shall be executed by A PLUS PAYMENT SOLUTIONS LTD at the latest by the end of the next Business Day, following the Business Day in which the Payment Order is received by A PLUS PAYMENT SOLUTIONS LTD.
Deadline for performance of International Transfers: A PLUS PAYMENT SOLUTIONS LTD shall debit the balance of Client in the respective currency and shall execute the order after receipt of confirmed Payment Order at the latest by the end of the next Business Day for Payment Orders for International money transfers received by 4:00 pm in a Business Day. Payment orders for international money transfers, received by A PLUS PAYMENT SOLUTIONS LTD after 4:00 pm or in a day, which is not Business Day for A PLUS PAYMENT SOLUTIONS LTD, shall be executed by A PLUS PAYMENT SOLUTIONS LTD at the latest by the end of the next Business Day, following the Business Day in which the payment order is received by A PLUS PAYMENT SOLUTIONS LTD.
Deadline for performance of payments under Standing orders: A PLUS PAYMENT SOLUTIONS LTD shall debit the payment account specified by the Standing order on the due date for execution specified in the Standing order. The above rules for deadlines apply accordingly.
Client may submit Standing orders for money transfers via Client’s online account and within the limits allowed by the Service. Client is required to specify the frequency, amount of the payments, account to be debited, beneficiary’s payment details (names, account number/IBAN and other as requested by the Service) start date and validity of the Standing order. The validity can be up to a specified date, reached number of payments or until cancelation. Client understands and agrees that OTP (one-time passcodes) may be requested by the Service upon setting up of the Standing order and not after upon execution of the future transfers from the Standing order, which will be executed automatically without need of entry of OTP.
Upon setting up the Standing order Client is able to see the applicable fees of A PLUS PAYMENT SOLUTIONS LTD. However, A PLUS PAYMENT SOLUTIONS LTD can amend the FEES as allowed by these Terms and Conditions and the law, and this will not suspend or terminate the Standing order automatically and the new fees will apply for the Standing order as of the moment of their entry into force. The funds in the account to be debited for execution of the Standing order must be sufficient to cover the amount to be transferred and the applicable fees of A PLUS PAYMENT SOLUTIONS LTD. In case the funds in the account to be debited for execution of the Standing order are not enough to cover the amount of the transfer and/or the applicable fees, shall not execute a specific transaction. In such case A PLUS PAYMENT SOLUTIONS LTD shall not be liable for whatsoever damages or compensations.
Client acknowledges and agrees that a Payment Order, including from a Standing order, has been executed correctly by A PLUS PAYMENT SOLUTIONS LTD, even if Client has submitted a Payment Order with incorrect data, and as a result of this, the money transfer has not been successful and/or has been received by wrong payee and/or was returned to A PLUS PAYMENT SOLUTIONS LTD, as a result of which Client has to cover the charges for the return, reversal or cancellation of such incorrect payment order.
Client is entitled to set up via Client online account with A PLUS PAYMENT SOLUTIONS LTD templates for trusted beneficiaries. To set up a template for trusted beneficiary the Client must log-in the online account with the credentials, with which the Client agrees with the creation of the template for trusted beneficiaries and that all subsequent payment orders to such trusted beneficiary might not require entry of OTP (One Time Password). Client may delete or edit a trusted beneficiary template via the online account of the Client.
Client understands and agrees that the creation of standing orders or payment orders to trusted beneficiaries does not preclude the rights and obligations of A PLUS PAYMENT SOLUTIONS LTD under the anti-money laundering, anti-terrorist laws and other regulations, as well as the discretion of A PLUS PAYMENT SOLUTIONS LTD to impose limits or not perform certain payment orders for security or regulatory purposes.
REFUSAL, REVERSAL OF UNAUTHORISED TRANSACTION AND REVERSAL OF INCORRECT PAYMENT ORDERS
Where A PLUS PAYMENT SOLUTIONS LTD refuses to execute a Payment Order, the refusal and, if possible, the reasons for it as well as the procedure for correcting any factual mistakes that led to the refusal shall be notified to Client, unless prohibited by national legislation. A PLUS PAYMENT SOLUTIONS LTD shall provide or make available the notification to Client via email or via the online account at the earliest opportunity.
A PLUS PAYMENT SOLUTIONS LTD may charge a fee for providing additional information for such a notification if the refusal is objectively justified.
In the event of unauthorised transaction or incorrect payment order, the payment transaction is deemed to be correctly executed by A PLUS PAYMENT SOLUTIONS LTD in accordance with national legislation. Client, or a person explicitly authorised by Business Client, may submit a Request for reversal of unauthorised transaction or Reversal of incorrect order to A PLUS PAYMENT SOLUTIONS LTD via email, without undue delay and within 30 (thirty) days after Client has known for the transaction or no later than a longer period from the debit date, provided in applicable national legislation in the interest of a Consumer. This term shall not release Client from Client obligation to notify A PLUS PAYMENT SOLUTIONS LTD immediately and without delay in case of loss, theft, misappropriation or unauthorised use of Identifying Credentials and to take all preventive and security measures as allowed by the Service or A PLUS PAYMENT SOLUTIONS LTD to limit the risks and damages. A Client who is not a Consumer, cannot claim that a transaction is not authorised, because of lack of Client consent for the transaction.
A PLUS PAYMENT SOLUTIONS LTD will assist the Client to a reasonable extent for reversing the unauthorised transaction or incorrect payment order as required by national law. In case of incorrect Payment Order, such as wrong account identifier, wrong name, wrong BIC, wrong name of bank of the payee, wrong amount, or other incorrect data, submitted by Client, A PLUS PAYMENT SOLUTIONS LTD may assist the Client to submit a new and correct Payment Order if A PLUS PAYMENT SOLUTIONS LTD has not executed the incorrect Payment Order, for which A PLUS PAYMENT SOLUTIONS LTD may charge the Client a fee. In case A PLUS PAYMENT SOLUTIONS LTD has executed the incorrect Payment Order as per the Terms and Conditions and the law, the Client can make a request for reversal via email to A PLUS PAYMENT SOLUTIONS LTD and A PLUS PAYMENT SOLUTIONS LTD will initiate a reversal procedure, for which A PLUS PAYMENT SOLUTIONS LTD will charge Client with the respective fee. A PLUS PAYMENT SOLUTIONS LTD cannot guarantee the outcome of the reversal procedure, and even if the amount is reversed to Client’s account the other banks (the bank of the payee or the correspondent banks) may withdraw from the amount their own fees for reversal and/or investigation or similar, which is beyond the control of A PLUS PAYMENT SOLUTIONS LTD.
In case of unauthorised transaction, A PLUS PAYMENT SOLUTIONS LTD shall conduct a procedure for proving correct execution of payment transaction and if this procedure is completed in favour of Client, A PLUS PAYMENT SOLUTIONS LTD shall reverse the operation and return the amount to Client’ account, less the applicable fee in the Fees, within the deadline provided in the law.
Client agrees that A PLUS PAYMENT SOLUTIONS LTD may not be always able to reverse the amount of unauthorised transaction or incorrect payment order, in cases, where the deadlines for chargeback or reversal procedures have expired or in other cases according to the applicable laws, in which cases A PLUS PAYMENT SOLUTIONS LTD shall not owe reversal or compensation to Client.
When Client receives a payment, Client is liable to A PLUS PAYMENT SOLUTIONS LTD for the full amount of the payment plus any fees if the payment is later invalidated for any reason. In addition to any other liability, if there is a Reversal, or if Client loses a Chargeback or Claim, Client will owe to A PLUS PAYMENT SOLUTIONS LTD an amount equal to the Reversal, Chargeback or Claim and applicable fee as per the FEES and other charges related to the Reversal, Chargeback or Claim. A PLUS PAYMENT SOLUTIONS LTD may debit Client’s account to recover any amounts and fees, due by Client in connection to Reversal, or Chargeback or Claim or Reserve, immediately and without prior notice.
Client agrees that in case a payment transaction is not approved, or the Merchant wishes to refund full or partial amount, then the following rules shall apply:
Reversal or refund of full amount of transaction – the amount of the transaction is refunded in the original type of currency; or
Partial reversal or refund of amount of transaction – the amount subject to reversal or refund is refunded in the currency of the transaction
RECORD KEEPING AND ACCOUNT STATEMENT
A PLUS PAYMENT SOLUTIONS LTD reserves the right to keep any documents or other information relating to Client or the Service offered to the Client in an electronic format. A PLUS PAYMENT SOLUTIONS LTD may provide electronic copies to Client to satisfy any request for original copies of the said documents. A PLUS PAYMENT SOLUTIONS LTD shall be entitled to destroy all records, correspondence and other documents that may have relating to Client upon satisfying any record keeping obligations which A PLUS PAYMENT SOLUTIONS LTD may have in terms of any applicable legislation.
Client’s account statements, history of transactions and accounts details will be available within the Client’s online account. If Client wishes to receive paper statements, Client will need to advise the E-Money Institution in writing via the Client’s e-mail stated in the Account opening form or via secure message and A PLUS PAYMENT SOLUTIONS LTD will send Client’s paper statements for each account once a year or on ad hoc principle against a fee.
PAYMENT INSTRUMENTS SECURITY FEATURES - SECURITY MEASURES AND SAFETY REQUIREMENTS
A PLUS PAYMENT SOLUTIONS LTD has provided to Client personalised security features for using all payment instruments, included in the Service, such as, but not limited to, username and unique password for the online account, OTP (one-time passcodes) received via SMS or EMAIL for access to online account and making a payment order and others, which are necessary tools for preserving the security of the payment instruments of Client . A PLUS PAYMENT SOLUTIONS LTD will make sure that the personalised security features of the payment instruments are not accessible to parties other than the Client or user entitled to use the payment instrument, without prejudice to the obligations on Client.
Client agrees to use the Client’s credentials, such as username and password and other personalised security features for Client’s payment instruments only in accordance with these Terms and Conditions and with the law. Client must not provide and must not allow disclosure of the personalised security features to a third party even where the payment instrument is protected with OTP, because even in this case the payment instrument can be comprised and result in unauthorised transactions, for which Client is fully liable. Client must not disclose the credentials for access to a Business/Corporate account (username and password), because they may be identical with the credentials for access to Client personal online account and there is a risk of unauthorised transactions. The breach of this obligation is breach of Client’s obligation for protection of personalised security characteristics of payment instrument and Client will be fully liable for unauthorised transactions as a result of Client’s breach of this obligation.
If Client is using the Service in a business capacity or as a Client of Business/Corporate account, Client agrees that:
all employees and representatives having access to Client Credentials or personalised security characteristics of payment instrument/s of a client, will be considered as properly authorised to use the Client account and/or make any payment orders via all payment instruments and perform all actions to which Client is entitled and will legally bind the Client, business, partnership or other legal entity concerned.
Client or a person explicitly authorised by Business Client has the right to authorize users of Business account of Client and/or payment instruments related to it, whose rights for ordering Payment transactions, reversal, receiving of information, authorising or removal of other users and other rights are defined by A PLUS PAYMENT SOLUTIONS LTD on the website of the Service or in the online account and can be additionally individualized by Client or a person explicitly authorised by Client according to the functionalities of the Service;
each Payment Order from authorised user will be considered as approved by Client and irrevocable according to the rules on Receipt of Payment Order and Irrevocability above. In case Client wishes to limit rights for access to the Business account of certain authorised users, the legal representative of Client or a person explicitly authorised by Client according to A PLUS PAYMENT SOLUTIONS LTD requirements, can perform this operation via the online account or send to A PLUS PAYMENT SOLUTIONS LTD a request dully signed by Client via the Client’s registered e-mail.
Client acknowledges and agrees that all details linked to Client’s account are providing access to the Client’s account and Client shall be liable for all transactions and charges arising from the use of the Client’s account.
If Client believes that Client’s account, including online account or other payment instruments have been used in an unauthorised manner or in case of unauthorised transactions, Client must contact A PLUS PAYMENT SOLUTIONS LTD without undue delay. Client agrees to notify A PLUS PAYMENT SOLUTIONS LTD via the Contact Centre or via "Contact us" on A PLUS PAYMENT SOLUTIONS LTD website for the Service or via the Client’s e-mail stated in the Account opening form, immediately and without delay in case of loss, theft, misappropriation or unauthorised use of credentials and/or personalised security features and/or payment instruments and to take all preventive and security measures as allowed by the Service, including to disable the compromised payment instruments via the Service, or allow A PLUS PAYMENT SOLUTIONS LTD to do it and limit the risks of unauthorised transactions and damages. Client also agrees to notify A PLUS PAYMENT SOLUTIONS LTD without undue delay and in the same manner of any other breach of security regarding the Service of which Client has knowledge.
A PLUS PAYMENT SOLUTIONS LTD may suspend the use of the Service in part of wholly, including block account/s, where it suspects that their security may have been compromised or that unauthorised or fraudulent use has taken place. A PLUS PAYMENT SOLUTIONS LTD will inform Client in advance or, if that is not possible, immediately after, of the suspension of the use of the Service, specifying the reasons for the suspension, unless such provision of information would compromise reasonable security measures or be otherwise unlawful. A PLUS PAYMENT SOLUTIONS LTD will provide the Service or replacement credentials or personalised security characteristics to Client, as soon as practicable after the reasons for the suspension cease to exist and on condition that Client has performed all obligations towards A PLUS PAYMENT SOLUTIONS LTD.
In case Client wishes to use an alternative method for two-factor authentication and receipt of one-time password, as may be required by the Service, Client must select this option from Client’s online account. Transactions, operations and activities confirmed with the one-time password, generated via each of the available two-factor authentication methods, supported for the Service, will be considered as valid and binding on the Client.
A PLUS PAYMENT SOLUTIONS LTD may at A PLUS PAYMENT SOLUTIONS LTD discretion block the possibility for specific types of payment transactions in principle or in countries or in some cases, in order to comply with risk and compliance requirements. A PLUS PAYMENT SOLUTIONS LTD may, at its reasonable discretion (for example, for fraud, risk and compliance reasons) impose limits on the amount of money Client can withdraw, transfer, receive or fund for a certain period or for the whole period of use of Service.
PROTECTION OF CLIENT PERSONAL INFORMATION
Protection: A PLUS PAYMENT SOLUTIONS LTD is bound, in accordance with the laws of United Kingdom, to observe secrecy and confidentiality with regards to all information which Client discloses to the E-Money Institution about the Client (“Secret Information”). However, A PLUS PAYMENT SOLUTIONS LTD is authorised and required by the laws of United Kingdom or international laws to disclose “Secret Information” in so far as the declaration of such Secret Information is:
required in terms of any provision of law in any jurisdiction, under the applicable laws on automatic exchange of information, such as Foreign Account Tax Compliance Act (FATCA) or Common Reporting Standard (CRS) or similar, requiring financial institutions to exchange automatically with the competent tax authorities information on client data, such as client names, address, Tax number, social security number, or similar, account/s balance as at the end of the calendar year and other information for tax purposes, specified in these acts, or on an ad hoc principle upon request or order of any competent authorities;
required in terms of an order of a Court of law investigating a criminal offence (including money laundering or terrorism financing) or a breach of duty.
required for any proceedings by the E-Money Institution against the Client for recovery of sums due to it in terms of the business relationship or for defending itself against any claim with regard to services provided to Client in connection with which the secret information has been obtained by the E-Money Institution.
otherwise permitted by the Client including when Client requires the E-Money Institution to provide a reference or a status report to a third party or by any applicable law.
In accordance with the provisions of United Kingdom Law, by accepting these Terms and Conditions, the Client consents to disclose information about Client, acquired during the course of the relationship in the circumstances specified hereunder:
to any of the E-Money Institution’s professional advisers (including but not limited to financial, legal and other advisers as might be engaged from time to time), or to any actual or potential assignee or transferee of the E-Money Institution’s rights against the Client, or to any person who may otherwise enter into contractual relations with the E-Money Institution in relation to the business relationship with the Client.
when the information is required to be disclosed or is requested in the course of a due diligence exercise.
when the information is required in the normal course of business with institutions or other persons who are normally bound by similar obligations of secrecy.
Client Identity Verification for Anti-Money-Laundering Requirements and Fraud detection:
Client acknowledges that A PLUS PAYMENT SOLUTIONS LTD is offering and continues to offer the Service to Client on the condition that Client satisfies all due diligence and identity checks that A PLUS PAYMENT SOLUTIONS LTD may conduct, and that Client complies with A PLUS PAYMENT SOLUTIONS LTD and regulatory anti-money-laundering requirements. Identity checks may include credit checks, anti-money- laundering checks required by relevant legislation or regulatory requirements. Client will provide all assistance requested by A PLUS PAYMENT SOLUTIONS LTD in carrying out such checks and determining compliance with anti-money-laundering requirements, including the provision of such additional registration or identity verification information as A PLUS PAYMENT SOLUTIONS LTD may require at any time.
Client consents to A PLUS PAYMENT SOLUTIONS LTD sharing with and obtaining from third parties to the extent permitted by law, information held about Client, including personal data as defined under relevant data protection legislation, for the purpose of A PLUS PAYMENT SOLUTIONS LTD conducting applicable due diligence and identity checks, and Client agrees that such third parties may retain the information shared in this way.
Non-satisfaction of the conditions in this clause, including that Client provides information requested by A PLUS PAYMENT SOLUTIONS LTD to conduct identity verification or determine compliance with anti-money-laundering requirements, may result in decline or immediate suspension of the Client's use of the Service and/or also termination of these Terms and Conditions without prior notice to Client.
Client acknowledges and agrees that A PLUS PAYMENT SOLUTIONS LTD shall approve or decline payment transactions without disclosing information on Balance in Account to third parties. Client acknowledges and agrees that for the purposes of fraud detection and prevention reasons, A PLUS PAYMENT SOLUTIONS LTD may disclose necessary information related to payment transactions using payment instruments with the logo of a Regulator. Client agrees to the use of Client data in accordance with A PLUS PAYMENT SOLUTIONS LTD Privacy Policy. The Client expressly agrees for the use and the communication of Client’s personal data to A PLUS PAYMENT SOLUTIONS LTD and any sub-contractors of A PLUS PAYMENT SOLUTIONS LTD, actions. Client consents to A PLUS PAYMENT SOLUTIONS LTD sharing with and obtaining from banking partners to the extent permitted by law, information held about Client, including personal data as defined under relevant data protection legislation. Non-satisfaction of the conditions in this clause may result in decline or immediate suspension of the Client's use of the Service.
A PLUS PAYMENT SOLUTIONS LTD ACCEPTANCE POLICY AND PERMISSIBLE TRANSACTIONS
Client may only use the Service in bona fide and in accordance with the functionalities of the Service as defined in these Terms and Conditions. Client agrees to use the Service only as permitted by:
These Terms and Conditions.
Characteristics, settings and limits of the Service, including setting of limits and options by Client as allowed by the Service, as published and updated by A PLUS PAYMENT SOLUTIONS LTD from time to time on A PLUS PAYMENT SOLUTIONS LTD website for the Service or in User Interface for the Service; and
Any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions.
It is strictly forbidden to use the Service in violation of the present Terms and Conditions, or for any illegal purposes including but not limited fraud, money laundering, tax evasion or other illegal activities. In particular, Client shall under no circumstances use the Service for activities or execution of transactions, which without limitation involve or may involve any of the following:
Breach of these Terms and Conditions (including, without limitation, providing false identifying data, such as false names, e-mail address, multiple mobile numbers or other data, with the aim or resulting in opening of multiple Accounts for a single user or avoiding the limits imposed by A PLUS PAYMENT SOLUTIONS LTD in another way); or
Breach or risk of breach by Client or by A PLUS PAYMENT SOLUTIONS LTD of any law, statute, contract, or regulation applicable (for example, those governing payment services including anti-money laundering or terrorist financing, or similar regulatory requirements, including where A PLUS PAYMENT SOLUTIONS LTD cannot verify the identity or other data about Client according to regulatory or Internal requirements of A PLUS PAYMENT SOLUTIONS LTD, consumer protections, unfair competition, anti-discrimination, gambling, false advertising, illegal sale or purchase or exchange of any Goods or Services according to all applicable laws); or
Abuse by Customer of the reversal or chargeback process initiated by Client’s bank; or
Use of the Service in a manner that results in or may result in complaints, disputes, claims, reversals, chargebacks, fees, fines, penalties and other liability to A PLUS PAYMENT SOLUTIONS LTD; or
Initiation of transactions that may be considered cash advances or assisting in cash advances from Merchants or to facilitate the purchase of cash equivalents (travelers’ cheques or money orders, etc.); or
Infringement of A PLUS PAYMENT SOLUTIONS LTD or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy; or
Use the Service in connection with any other underlying illegal transaction.
Gambling and/or gaming activities, including but not limited to payment or the acceptance of payments for wagers, gambling debts or gambling winnings, regardless of the location or type of gambling activity (including online and offline casinos, sports wagering and office pools).
Prescription Drugs.
Weapons and knives.
Unlicensed lotteries.
Firearms or ammunition.
Pyramid selling or Ponzi schemes or other "get rich quick" themes.
Initiation of transactions considered to be cash advances or assisting in cash advances.
Sending unsolicited email or posting referral links on websites where they are not permitted.
Receiving funds for the sale of counterfeit or stolen items.
Activities that violate any law, statute, ordinance, contract or regulation, including, but not limited to, those governing financial services, consumer protection, unfair competition, anti-discrimination, or false advertising.
Production, payment usage and/or distribution of viruses, Trojan horses, worms, time bombs cancelbots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or other personal information as well as any activity considered as potential hacking, illegal or prohibited use of any website, computer, server or other device.
All tobacco and alcohol products, as well as any other controlled substance.
Any proceeds of the following activities, including but not limited to production, distribution and advertisement: defecation, bestiality, death or simulated death, rape or simulated rape, or any pornographic material involving a child or adolescent.
Transactions involving or related to Bitcoins, or any other alternative currency or assets are prohibited due to our banking agreements. Any user found to be in violation of this condition will have the account revoked and the funds seized.
PLUS PAYMENT SOLUTIONS LTD may temporarily stop or terminate the Service or Terms and Conditions immediately and without prior notice to Client, if:
Client is not of legal age to form a binding contract with A PLUS PAYMENT SOLUTIONS LTD and operate the payment instrument or funding instrument for use with the Service; or
Client is a person barred from receiving the Service under the applicable laws or Regulations of Organisations or rules or policies of A PLUS PAYMENT SOLUTIONS LTD.
Client has not been dully identified or verified by A PLUS PAYMENT SOLUTIONS LTD, upon single discretion of A PLUS PAYMENT SOLUTIONS LTD; or
Other important reasons, upon discretion of A PLUS PAYMENT SOLUTIONS LTD, such as risk and compliance.
A PLUS PAYMENT SOLUTIONS LTD shall be entitled to notify Client at any time on non-acceptance to the Service via e-mail. The decision for the refusal is strictly in A PLUS PAYMENT SOLUTIONS LTD’s discretion and A PLUS PAYMENT SOLUTIONS LTD shall not be liable for whatsoever compensations.
Client authorizes A PLUS PAYMENT SOLUTIONS LTD to obtain a credit report and/or to otherwise make credit or other background enquiries from time to time, as A PLUS PAYMENT SOLUTIONS LTD may deem appropriate, to evaluate Client registration for or continued use of the Service.
Client agrees not to access (or attempt to access) any of the Service by any means other than through the User interface of the Service that is provided by A PLUS PAYMENT SOLUTIONS LTD for the Service, unless Client have been specifically allowed to do so in a separate agreement with A PLUS PAYMENT SOLUTIONS LTD. Client acknowledges that this restriction will apply to use of the Service by any automated means.
Client agrees that Client will not engage in any activity that interferes with or disrupts the Service (or the servers and networks which are connected to the Service).
Client agrees that Client will not reproduce, duplicate, copy, sell, trade or resell the Service for any purpose.
Client agrees that Client is fully responsible for (and that A PLUS PAYMENT SOLUTIONS LTD has no responsibility to Client or to any third party for) any breach of Client obligations under the present Terms and Conditions and for the consequences (including any loss or damage which A PLUS PAYMENT SOLUTIONS LTD may suffer) of any such breach.
Client acknowledges and agrees that in order to meet all obligations after the Prevention of Money Laundering Act and ( the Prevention of) Money Laundering and Funding of Terrorism Regulations and other documents related to their execution, A PLUS PAYMENT SOLUTIONS LTD may establish general practices and limits concerning the use of the Service without prior notice to Client, including, without limitation, individual or aggregate transaction limits on the value or turnover, transaction or other limits on the value, type or number of funding transactions or Payment transactions during any specified time period(s). A PLUS PAYMENT SOLUTIONS LTD shall notify Client for every amendment in the common practices and limitations within reasonable time unless such notification is prohibited by Money Laundering (Prevention) Act and Regulations.
Client must not place into any of Client’s accounts any funds or assets belonging to third parties without the prior written consent of the E-Money Institution. If Client’s wishes to do so, Client must advise the E-Money Institution, in advance, of any such funds/assets which are to be remitted to the E-Money Institution or received by it in Client’s name or account. Without prejudice to the right of the E-Money Institution to refuse to receive such funds or assets, in the case provided for by this clause, Client is obliged to advise the E-Money Institution of the full details of the beneficial owner of the funds or assets and to supply the Bank with all evidence as to the identity of the beneficial owner and the reason(s) for such deposit, together with documentary evidence of the underlying transaction, if applicable, as the E-Money Institution may require.
A PLUS PAYMENT SOLUTIONS LTD may refuse to execute any funding, crediting of account following inward transfer, outward transfer or any payment transaction, Payment Order or other use of the Service if A PLUS PAYMENT SOLUTIONS LTD has reasonable grounds to suspect fraud, or a breach of the applicable Terms and Conditions by Client, or a violation of law, regulation of Organisation, or for risk (e.g. Money laundering, Combating Funding Terrorism) and or compliance reasons. Transactions may also be delayed due to A PLUS PAYMENT SOLUTIONS LTD’s compliance with its obligations under applicable anti-money-laundering legislation, including if A PLUS PAYMENT SOLUTIONS LTD suspects that the transaction involves fraud, abuse or illegal or non-acceptable activities. In the event that A PLUS PAYMENT SOLUTIONS LTD refuses to execute a Funding or Payment transaction or Payment Order, Client will be notified, unless it is unlawful for A PLUS PAYMENT SOLUTIONS LTD to do so or would compromise reasonable security measures. For risk or compliance purposes A PLUS PAYMENT SOLUTIONS LTD might require additional information or additional documents and/or gather such additional information and/or documents necessary for performing of the operation, prior or after the operation. A PLUS PAYMENT SOLUTIONS LTD may reject performing of a payment operation for risks, risk of reputational damages or compliance reasons, for which A PLUS PAYMENT SOLUTIONS LTD shall not be responsible.
Client acknowledges and agrees that if A PLUS PAYMENT SOLUTIONS LTD disables access to the account/s or to any payment instrument by stopping the use of Client Identifying Credentials, or specific accounts, Client may be prevented from accessing the Service, Client’s account details or any files or other content which are contained in Client’s account or connected to Client account/s or payment instruments.
A PLUS PAYMENT SOLUTIONS LTD is not liable for declined payment transactions or lack of Service, due to lack of enough balance in the account , lack of Internet, or problems with hardware or software of Client, or exceeding the limits set by Client as allowed by the Service, or the general limits, determined by A PLUS PAYMENT SOLUTIONS LTD, or any other reason beyond the reasonable control of the A PLUS PAYMENT SOLUTIONS LTD.
Non-satisfaction of the conditions in these Terms and Conditions and/or A PLUS PAYMENT SOLUTIONS LTD Acceptance Policy, may result in immediate suspension of the Client's use of the Service, blocking of funds in Client’s account, right of A PLUS PAYMENT SOLUTIONS LTD to withhold funds in Client’s account for satisfaction of damages incurred by A PLUS PAYMENT SOLUTIONS LTD, because of Client breach, claim by A PLUS PAYMENT SOLUTIONS LTD against Client, initiation of procedures before competent regulatory bodies, and also termination of these Terms and Conditions without prior notice to Client.
CHARGES, COMMISSIONS AND FEES
In the absence of a written agreement providing otherwise, the amount of fees and charges for the Services shall be those given in the FEES. In case of services which are not listed therein, A PLUS PAYMENT SOLUTIONS LTD shall charge rates/amount fees and charges according to A PLUS PAYMENT SOLUTIONS LTD sole discretion. If Client does not agree with the E-Money Institution’s charges, commissions or fees, Client has the right to terminate the Service as provided hereunder in Section 14 “Termination of the Business Relationship”.
Where A PLUS PAYMENT SOLUTIONS LTD has incurred expenses upon Client’s instructions, such as legal and notarial fees, court fees, maintenance costs, insurance fees, and so on, these expenses will be borne by the Client. Client agrees that the E-Money Institution is authorised to debit the Client’s Account directly without having to obtain his/her consent each time a direct debit is made.
PERSONAL/BUSINESS FEES may be changed by A PLUS PAYMENT SOLUTIONS LTD unilaterally with 1 (one)-month notice to Client. Updates in FEES will be indicated on the website for the Service or via the online account, and the Client will be duly notified in accordance with the Terms and Conditions.
Currency conversion: If a transaction involves a currency conversion, it will be completed at a foreign exchange rate determined by A PLUS PAYMENT SOLUTIONS LTD. A PLUS PAYMENT SOLUTIONS LTD may charge a foreign exchange fee expressed as a certain percentage above the exchange rate if such fee is stated in the Tariff. Foreign exchange rate is adjusted regularly based on market conditions (the wholesale exchange rate at which A PLUS PAYMENT SOLUTIONS LTD obtains foreign currency). The exchange rate may be updated daily by A PLUS PAYMENT SOLUTIONS LTD and may be viewed on the website for the Service or in the online account. The applicable exchange rate and the “Currency Converter” tool can be accessed through the online account of the Service and used to see what foreign exchange rates plus foreign exchange fee apply for a certain transaction, involving currency exchange.
Where a currency conversion is offered by A PLUS PAYMENT SOLUTIONS LTD at the point-of-sale Client will be shown the foreign exchange rate that will be applied to the transaction before authorizing the payment transaction on the website of A PLUS PAYMENT SOLUTIONS LTD for the Service. By proceeding with authorization of the payment transaction Client is agreeing to the currency conversion on the basis of the foreign exchange rate. Where a currency conversion is offered at the point of sale by the Merchant, not by A PLUS PAYMENT SOLUTIONS LTD, Client chooses to authorize the payment transaction on the basis of the Merchant's exchange rate and charges, A PLUS PAYMENT SOLUTIONS LTD has no liability to Client for that currency conversion.
In case of an inward transfer in a currency different from the currency of the account, A PLUS PAYMENT SOLUTIONS LTD shall credit the account, converting the received amount into the currency of the account in accordance with the exchange rates “buy”/ “sell” for the relevant currency and the currency of the account. If A PLUS PAYMENT SOLUTIONS LTD does not quote the respective currency A PLUS PAYMENT SOLUTIONS LTD has the right to reject the transfer. A PLUS PAYMENT SOLUTIONS LTD exchange rates is defined in accordance with the relevant trade market scales of the currencies, so rates are subject of adjustment depending on the changes in the market conditions. A PLUS PAYMENT SOLUTIONS LTD shall apply the exchange rate in force in the day of crediting the account, which may be different from the one announced at A PLUS PAYMENT SOLUTIONS LTD premises or on the web site: www.APLUS-PAYMENTS.com for the date of the operation. The exact exchange rate applied shall be indicated in the statement of account.
In case where the balance in Client’s account in certain currency is not enough to cover the amount of a certain transaction or debit operation A PLUS PAYMENT SOLUTIONS LTD shall be entitled not to execute the transaction or to debit another account of the Client in other currency. Client agrees and authorizes A PLUS PAYMENT SOLUTIONS LTD to debit the necessary amount from available balance in Client’s account held in other currency, applying the foreign exchange rate of A PLUS PAYMENT SOLUTIONS LTD for the date of the conversion, notified on A PLUS PAYMENT SOLUTIONS LTD website for the Service. The priority order for conversion of currencies in Client’s account is given after System’s default order or may be set by Client in which case A PLUS PAYMENT SOLUTIONS LTD is obliged to keep the manually determined order.
A PLUS PAYMENT SOLUTIONS LTD shall not be liable for any adverse effects arising as a result in fluctuations in currencies in the event that it retains funds in one currency and does not convert them to another or, conversely, if it converts currency into the business relationship currency from the currency in which they were received by it.
CLIENT LIABILITY
Client shall be fully liable for all losses incurred in respect of unauthorised transactions and/or all damages, notwithstanding the amount of the losses or damages, if Client has acted fraudulently or has, with intent or gross negligence, failed to comply with the present Terms and Conditions or law, including Client’s obligations to preserve the security of Client Identifying Credentials, providing access to Client’s account or other payment instruments.
Client shall be entitled to redress losses (excluding normal fees in case of Clients who are not Consumers) incurred by Client in respect of unauthorised or incorrect transactions made after Client has informed A PLUS PAYMENT SOLUTIONS LTD for the unauthorised or incorrect transaction and A PLUS PAYMENT SOLUTIONS LTD has been able to block the Account or other payment instrument without undue delay in the day when the Client’s account was debited or within 7 (seven) days afterwards, and in case where Client is Consumer, no later than any longer period after the debit date, as provided in applicable legislation in the interest of consumer. A PLUS PAYMENT SOLUTIONS LTD will, on Client request, make efforts to trace the transaction and notify Client of the outcome. Where Client is entitled to redress, A PLUS PAYMENT SOLUTIONS LTD will refund the amount of the unauthorised transactions, less applicable fees as per FEES, by crediting Client’s account.
Client agrees to indemnify, defend and hold harmless A PLUS PAYMENT SOLUTIONS LTD, from and against any losses or negative balance on Account, resulting from any and all actions, causes of actions, claims, demands, liabilities, judgments, damages or expenses (collectively, "Claim" or "Claims") which A PLUS PAYMENT SOLUTIONS LTD may at any time during the term of these Terms and Conditions or within 5 (five) years after its termination incur, sustain or become subject as a result of any Claim and: (a) connected to the Client’s or his employees, agents or sub-contractors, using the Service; or (b) arising out of the Client’s or his employees, agents or sub-contractors, or end customers using the Service, willful acts or omissions, gross negligence, or other similar wrongdoings or claims, or fraud, including, but not limited to amounts and fees debited or charged by Organisations for refunds, initiated by Client offline transactions, recurring transactions, currency conversions, preauthorization, manual operations, stand-in process, system malfunction, or other unlawful use; or (c) arising from Client’s or his employees, agents or sub-contractors, or end customers using the Service, failure to comply with any law or regulation including but not limited to AML, data protection laws and other rules and regulations. Client agrees that A PLUS PAYMENT SOLUTIONS LTD is authorised to satisfy immediately as they become due any obligations of Client by debiting or withdrawing directly funds from the Client’s account, or from Security provided by Client (if Security is provided), or any outstanding sums owed by A PLUS PAYMENT SOLUTIONS LTD to Client. A PLUS PAYMENT SOLUTIONS LTD shall inform Client on the ground, amount and value date of such withdrawals, unless it is forbidden by law or regulations for AML or security reasons to make such notice.
In case of delay for payment of amounts due to A PLUS PAYMENT SOLUTIONS LTD, Client shall owe a penalty for delay in the amount of the statutory interest according to the Payment Service Regulations 2016.
Right of Retention: A PLUS PAYMENT SOLUTIONS LTD may exercise a right of retention over all Client’s funds in Client’s account/s with the Bank until all outstanding fees, costs, charges, expenses and liabilities due to A PLUS PAYMENT SOLUTIONS LTD have been paid in full.
Without prejudice to the above, Client agrees and acknowledges that the reporting and payment of any applicable taxes, which by law are obligations of Client, is Client’s responsibility and liability. Client hereby agrees to comply with any and all applicable tax laws.
TERMINATION OF THE BUSINESS RELATIONSHIP
Client acknowledges and agrees that A PLUS PAYMENT SOLUTIONS LTD may stop providing the Service to Client, as provided in the present Terms and Conditions. Client may stop using the Service at any time, without need to inform A PLUS PAYMENT SOLUTIONS LTD when Client stops using the Service. The Terms and Conditions will continue to apply until terminated either by Client or A PLUS PAYMENT SOLUTIONS LTD, as set out below.
If Client wants to terminate legal Terms and Conditions with A PLUS PAYMENT SOLUTIONS LTD, Client may do so immediately and without charge for termination at any time by:
Notifying A PLUS PAYMENT SOLUTIONS LTD, in accordance with clauses for communication by Client to A PLUS PAYMENT SOLUTIONS LTD below; and
Closing Client’s account for the Service, including withdrawing or redeeming the available balance
In case of any risk of damages for A PLUS PAYMENT SOLUTIONS LTD, resulting from reversals, chargebacks, claims, fees, fines, penalties, Client’s non-compliance with AML/FT or other regulations and other similar liabilities arising from Client‘s use of the Service, A PLUS PAYMENT SOLUTIONS LTD may hold the Client’s funds for up to 180 (one hundred and eighty) days even after Termination of Terms and Conditions or shorter or longer period, as required by the law, including laws in favour of the consumer. Client will remain liable for all obligations arising under these Terms and Conditions even after Termination of Terms and Conditions and/or closing of account.
A PLUS PAYMENT SOLUTIONS LTD may, at any time close account or accounts of Client, or terminate the Terms and Conditions with Client, without notice if:
Client has breached any material provision of the Terms and Conditions or law or Regulations of an Organisation (or have acted in a manner which clearly shows that Client does not intend to or is unable to comply with the material provisions of the Terms and Conditions), including, but not limited to:
if the E-Money Institution reasonably believes that Client is no longer eligible for an account.
if the E-Money Institution discovers that Client has provided it with false information at any point in time; or
A PLUS PAYMENT SOLUTIONS LTD is required to do so by law or Regulations of Organisations (for example, where the provision of the Service to Client becomes non-compliant with the Regulations).
Unless a shorter period is provided in these Terms and Conditions, as permitted by law, A PLUS PAYMENT SOLUTIONS LTD may, at any time, terminate the Terms and Conditions by giving Client 2 (two) months' notice.
When these Terms and Conditions comes to an end, all of the legal rights, obligations and liabilities that Client and A PLUS PAYMENT SOLUTIONS LTD have benefited from, or which have accrued over time whilst the Terms and Conditions has been in force, or which are expressed to continue indefinitely, will be unaffected by this cessation, and the provisions of clause 19.5 will continue to apply to such rights, obligations and liabilities indefinitely.
Death and Change in Legal Status:
Individuals: A PLUS PAYMENT SOLUTIONS LTD will assume that the relationship between the E-Money Institution and the Client persists until the E-Money Institution is notified in writing about the death of the Client. The E-Money Institution must be notified by who is legally vested with the rights and obligations to act on behalf of Client’s affairs and will take instructions from him/her/them. Such person may be the heir, legatee, administrator, executor or otherwise. The E-Money Institution shall be entitled to receive to its satisfaction such evidence, at Client’s cost, as may be required by the E-Money Institution to establish the proper entitlement and authority of the person claiming to be in charge of acting on behalf of Client’s affairs and the E-Money Institution shall not be bound to act upon such instructions until such time as the E-Money Institution is satisfied of such authority.
Legal Entities: In the event that Client is placed into liquidation, bankruptcy or administration or any other analogous process wherein a liquidator, curator or trustee or similar officer is appointed and in whom legal authority and representation is vested, to the exclusion of the persons Client may have nominated in the E-Money Institution Mandate, the E-Money Institution shall be entitled to receive to its satisfaction such evidence, at Client’s cost, as the E-Money Institution may require to establish the proper entitlement and authority of the person claiming power to give the Bank instructions and the E-Money Institution shall not be bound to act upon such instructions until such time as the E-Money Institution is satisfied of such authority. In case where the legal entity or organisation is dissolved, the successor of the assets in the account has to provide to the E-Money Institution a legal document, proving that he is the successor of the assets in the account, and he/she is entitled to dispose of these assets. The E-Money Institution may have additional requirements for identification and verification of a successor of the assets in the account or other documents prior to providing access to the account or afterwards.
LIMITATIONS OF WARRANTIES
No conditions, warranties or other terms (including any implied terms as to satisfactory quality, fitness for purpose or conformance with description) apply to the Service, except to the extent that they are expressly set out in the present Terms and Conditions.
The E-Money Institution shall not be liable for:
Any shortcomings or losses arising as a result of force majeure.
Any shortcoming or losses arising from the acts or omissions of any third party whose services of the E-Money Institution use for the performance, in full or in part, of its obligations towards the Client. In such cases the E-Money Institution shall not be liable for any loss or damage unless it has not exercised diligence in:
Transmitting the instructions and/or
Selecting such third parties.
Nothing in the Terms and Conditions will affect those mandatory statutory rights to which Client is entitled as a consumer and that Client cannot contractually agree to alter or waive.
LIMITATION OF LIABILITY
Nothing in the Terms and Conditions will exclude or limit A PLUS PAYMENT SOLUTIONS LTD’s liability for losses which may not be lawfully excluded or limited by these Terms and Conditions or by applicable law.
Subject to clause 15.1 above, A PLUS PAYMENT SOLUTIONS LTD will not be liable to Client for:
Any indirect or consequential losses which may be incurred by Client. This will include any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation, or any loss of data suffered by Client.
Any loss or damage which may be incurred by Client as a result of:
Any reliance placed by Client on the completeness, accuracy or existence of any advertising, or as a result of any relationship or transaction between Client and any advertiser whose advertising appears on the Service.
Any change which A PLUS PAYMENT SOLUTIONS LTD may make to the Service or any permanent or temporary cessation in the provision of the Service (or any features within the Service).
Malfunction of the Service.
The deletion of corruption of or failure to store any communications data maintained or transmitted by or through Client use of the Service.
Client failure to provide A PLUS PAYMENT SOLUTIONS LTD with accurate account information.
Any fraudulent use of the Service by Client or third parties.
Any compensation for fees paid or levied on Clients who are not Consumers, as a result of non-performance or incorrect performance of a payment transaction.
CHANGES TO THE TERMS AND CONDITIONS
Client agrees that A PLUS PAYMENT SOLUTIONS LTD may make changes to the Terms and Conditions from time to time. A PLUS PAYMENT SOLUTIONS LTD shall give Client 2 (two) months' notice of changes in the Terms and Conditions, unless shorter period is necessitated by a Regulatory change, or is allowed by law, by e-mail sent to Client e-mail address and/or by notifying Client in the online account or the website of the Service before their proposed date of entry into force.
Client understands and agrees that Client will be deemed to have accepted the changes unless Client notifies A PLUS PAYMENT SOLUTIONS LTD to the contrary by notice, as provided in clause 17.5 below, prior to the date on which the changes are to come into effect, in which case the Terms and Conditions will terminate without charge for termination immediately before the effective date of the changes.
Nothing in this Section 17 will limit:
A PLUS PAYMENT SOLUTIONS LTD’s right to update and revise its policies from time to time or to add new features to the Service from time to time without prior notice, which may be accepted by Client by using the new feature. Such revisions may take place using a method chosen at A PLUS PAYMENT SOLUTIONS LTD's discretion, and such method may include e-mail communication or publication on the A PLUS PAYMENT SOLUTIONS LTD website for the Service; and
The parties' right to vary the terms of this Section 17, where the variation is not prohibited by law and both parties agree to it.
COMMUNICATIONS AND NOTICES
All information will be made available or provided to Client in an easily accessible manner, in easily understandable language, in a clear and comprehensible form and in English.
Statements, notices and other communications to Client may be made by mail, e-mail, postings on the A PLUS PAYMENT SOLUTIONS LTD’s website for the Service or other reasonable means.
A PLUS PAYMENT SOLUTIONS LTD may communicate with Client regarding the Service by means of electronic communications, including (a) sending e-mail to Client e-mail address or (b) posting notices or communications on A PLUS PAYMENT SOLUTIONS LTD’s website for the Service. Client agrees that A PLUS PAYMENT SOLUTIONS LTD may send electronic communications to Client in relation to any matter relating to Client use of the Service, including the Terms and Conditions (and revisions or amendments to the Terms and Conditions), notices or disclosures regarding the Service and payment authorizations. Particular communications will be handled as follows:
The Terms and Conditions will be provided to Client at the sign-up in a printable form.
Changes to these Terms and Conditions after the sign-up will be provided in an e-mail sent to Client e-mail address and/or on the website for the Service or the online account.
Except where these Terms and Conditions provides otherwise, a notice to terminate these Terms and Conditions will be provided in an e-mail sent to Client e-mail address.
Information about balance or transactions or statements will be made available in Client’s account accessible online via Internet or in the online account in transaction history.
Information about a suspension of the Service will be made available in Client’s account accessible online via Internet or in the online account; and
Information about the rejection of transactions will be made available in Client’s account accessible online via Internet or in the online account in transaction history.
Client should maintain copies of electronic communications by printing a paper copy or saving an electronic copy, and information that is provided to Client in an electronic format is provided under the assumption that Client will be able to print or save such information.
Any notice sent to A PLUS PAYMENT SOLUTIONS LTD under these Terms and Conditions should be sent by registered post to A PLUS PAYMENT SOLUTIONS LTD’s address of registered office, stated above in the Terms and Conditions, except that:
Notification of loss, theft, unauthorised use or security breach must be made immediately to the Contact Centre of A PLUS PAYMENT SOLUTIONS LTD, on numbers notified to Client by A PLUS PAYMENT SOLUTIONS LTD or must be sent, as soon as possible, through "Contact us" on A PLUS PAYMENT SOLUTIONS LTD’s website for the Service or via the Client’s e-mail stated in the Account opening form.
Notification by Client that Client does not agree to the amendment of the Terms and Conditions and wishes to terminate the Terms and Conditions prior to entry into force of the amendments should be sent through "Contact us" on the website for the Service or via the Client’s e-mail stated in the Account opening form from the Client or a person explicitly authorised by the Client.
NEW ACCOUNT APPLICATIONS FROM EU CUSTOMERS
The account applicant agrees to the following:
“I represent that I am contacting A PLUS exclusively on my own initiative to open an account without having received any solicitation or advertising from A PLUS PAYMENT SOLUTIONS LTD or pursuant to any personal communication initiated by an A PLUS PAYMENT SOLUTIONS LTD. representative.”
COMPLAINTS
Any claim or dispute arising under the Terms and Conditions or as a result of the provision of the Service by A PLUS PAYMENT SOLUTIONS LTD should, in the first instance, be referred to A PLUS PAYMENT SOLUTIONS LTD in writing to the:
Complaints Officer
A PLUS PAYMENT SOLUTIONS LTD LIMITED
THIRD FLOOR, 22 CITY ROAD
LONDON
EC1Y 2AJ
or via e-mail to: [email protected].
The Client must clearly state the reasons for complaint. A PLUS PAYMENT SOLUTIONS LTD shall try to resolve the complaint, within reasonable term upon receipt of clear and correctly submitted complaint. The E-Money Institution will then investigate and, where appropriate and necessary, take immediate action to rectify the situation. The E-Money Institution also undertakes to take the necessary steps to prevent a recurrence. All complaints will be acknowledged and the Client will be informed accordingly of the investigation’s outcome.
If the Client is still dissatisfied with the outcome of the Bank’s investigation, he/she may direct his/her complaint to:
The Financial Ombudsman Service
Exchange Tower
London E14 9SR
United Kingdom
or by calling
+44 20 7964 0500
GENERAL LEGAL TERMS
Unless otherwise expressly stated in the Terms and Conditions or FEES, all amounts stated in the Terms and Conditions are denominated in United States Dollars (USD).
The Terms and Conditions, including Data Protection and Privacy Policy, FEES and if applicable other appendices, constitutes the whole legal agreement between Client and A PLUS PAYMENT SOLUTIONS LTD and governs Client use of the Service (but excludes any services which A PLUS PAYMENT SOLUTIONS LTD may provide to Client under a separate written agreement) and completely replaces any prior agreements between Client and A PLUS PAYMENT SOLUTIONS LTD in relation to the Service.
Client agrees that if A PLUS PAYMENT SOLUTIONS LTD does not exercise or enforce any legal right or remedy which is contained in the Terms and Conditions (or which A PLUS PAYMENT SOLUTIONS LTD has the benefit of under any applicable law), this will not constitute a waiver of A PLUS PAYMENT SOLUTIONS LTD’s rights and that those rights or remedies will still be available to A PLUS PAYMENT SOLUTIONS LTD.
If any court of law having the jurisdiction to decide on a matter relating to the Terms and Conditions rules that any provision of the Terms and Conditions is invalid in respect of a certain Client or Client, who is a Consumer, then that provision will be removed from the Terms and Conditions with this Client without affecting the rest of the Terms and Conditions. The remaining provisions of the Terms and Conditions will continue to be valid and enforceable.
Client may not assign Client rights under the Terms and Conditions or otherwise sub-contract or transfer any of Client rights or obligations under the Terms and Conditions without the prior written consent of A PLUS PAYMENT SOLUTIONS LTD.
A PLUS PAYMENT SOLUTIONS LTD may transfer its rights and obligations under the Terms and Conditions to third party which is licensed as banking, payment or e-money institution giving to Client at least two-month notice previous the date of the transfer per e-mail. In case of such transfer and if Client disagrees with it, A PLUS PAYMENT SOLUTIONS LTD shall provide the Client the possibility to terminate the Terms and Conditions free of penalties.
Both Parties agree that the authentic and/or correct execution of transactions and operations shall be proven with print-outs or statements printed or generated from A PLUS PAYMENT SOLUTIONS LTD IT systems, such as the platform of A PLUS PAYMENT SOLUTIONS LTD for accounts, the online account of Client, the website of A PLUS PAYMENT SOLUTIONS LTD for the Service, or other software systems or platforms used by A PLUS PAYMENT SOLUTIONS LTD in the capacity of regulated bank or its Agents/Distributors or sub-contractors, in their capacity of authorised Agents/Distributors or sub-contractors of A PLUS PAYMENT SOLUTIONS LTD, licensed to use software or platforms of A PLUS PAYMENT SOLUTIONS LTD.
“A PLUS PAYMENT SOLUTIONS LTD”, “A PLUS PAYMENT SOLUTIONS LTD”, www.APLUS-PAYMENTS.com and all related URLs, logos, marks or designs, software, interfaces or other related to the Services, trademark registration or Patent or other intellectual property right of A PLUS PAYMENT SOLUTIONS LTD or third-party Licensor. Client may not use, copy, imitate, modify, alter or amend, sell, distribute or provide them without A PLUS PAYMENT SOLUTIONS LTD’s prior written explicit consent to do so in a separate Terms and Conditions.
These Terms and Conditions and Client relationship with A PLUS PAYMENT SOLUTIONS LTD are governed in all respects by the laws of England and you agree that all disputes arising out of or relating to this Online account will be decided by the English courts. Use of this Online account from a jurisdiction that would not give effect to these Terms of Use is not permitted
Jurisdiction of competent Court between parties when Client is not a consumer: Both Parties agree to submit to the exclusive jurisdiction of the competent Court to resolve any dispute arising between them. Nevertheless, the Client agrees that A PLUS PAYMENT SOLUTIONS LTD will still be allowed, upon A PLUS PAYMENT SOLUTIONS LTD’s discretion, to bring a claim or apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.
Jurisdiction of competent Court between parties when Client has the capacity of consumer: Claims against defendants with the capacity of consumer shall be submitted to the competent Court as per Client’s domicile
HOW YOUR FUNDS ARE PROTECTED
We are an Electronic Money Institution regulated by the UK Financial Conduct Authority. The manner in which we hold customer deposits is not subject to the Financial Services Compensation Scheme. Instead, we are required to protect customers' funds by what is known as "Safeguarding", which refers to the manner in which customers' funds are moved into a segregated account known as a "Safeguarding Account". A Safeguarding Account exists to ensure that customers' funds are kept separate from an E-Money Institution's own assets and funds, and are always readily available to return to customers, even if the E-Money Institution becomes insolvent.
Our Safeguarding Account is held at Lidion Bank Plc, which provides regular confirmation of our Safeguarding arrangements.
CONTACT INFORMATION
A PLUS PAYMENT SOLUTIONS LTD Limited is an Electronic Money Institution established under the Laws of the United Kingdom.
A PLUS PAYMENT SOLUTIONS LTD is licensed to provide E-Money Accounts and money remittances to clients worldwide.
Our registered office and head office is situated at:
A PLUS PAYMENT SOLUTIONS LTD LIMITED
THIRD FLOOR 22 CITY ROAD
LONDON
ENGLAND
EC1Y 2AJ
We are registered with the UK Data Regulator, Information Commissionaire’s Office:
ICO Registration Reference: ZB550370. Any enquiries relating to Data Protection must be addressed to: [email protected]
Our Website: www.aplus-payments.com E-mail: [email protected]
DISCLAIMER
The following document is approved by the Board of A Plus Payment Solutions and is provided in the English language for convenience. Any translation of this document into another language is solely for informational purposes and the responsibility for the accuracy and interpretation of the translated version lies solely with the reader.
While we strive to ensure accurate translation, we cannot guarantee the precise equivalence or accuracy of the translated content. In the event of any discrepancy or misinterpretation arising from the translation, the English version of this document shall prevail and be considered the official and binding version.
A Plus Payment Solutions and its affiliates, directors, officers or its employees shall not be held liable for any errors, inaccuracies, or misunderstandings that may occur due to translation into another language. The reader assumes full responsibility for any reliance on the translated version of this document and understands that any discrepancies or misinterpretations shall not be attributed to or held against A Plus Payment Solutions.
It is strongly recommended that readers seeking a complete and accurate understanding of the content in this document refer to the original English version or consult with a professional translator or interpreter before making any decisions or taking any actions based on the translated version.
By accessing or using the translated version of this document, the reader acknowledges and accepts the terms of this disclaimer, releasing A Plus Payment Solutions from any liability resulting from the use of the translated content.
Please note that this disclaimer is applicable to the current document and does not extend to other materials or communications of A Plus Payment Solutions.