FINCARD website terms of use
Introduction
FINCARD is a trading name of CAFsolutinos LTD.
CAFsolutinos LTD is the manager of FINCARD, regulated and authorized by the Central Commercial Registry of Bulgaria, reference number UIC 204896006, for several financial services as described in the company’s memorandum of association.
Terms & Conditions
These terms and conditions outline the rules and regulations for the use of Fincard Website, located at www.fincard.gr
By accessing this website we assume you accept these terms and conditions. Do not continue to use Fincard if you do not agree to take all of the terms and conditions stated on this page.
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Bulgaria. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.
Cookies
We employ the use of cookies. By accessing Fincard, you agreed to use cookies in agreement with Fincard and CAFsolutions Ltd Privacy Policy.
Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.
License
Unless otherwise stated, CAFsolutions Ltd and/or its licensors own the intellectual property rights for all material on Fincard. All intellectual property rights are reserved. You may access this from Fincard for your own personal use subjected to restrictions set in these terms and conditions.
You must not:
-Republish material from Senmo
-Sell, rent, or sub-license material from Fincard
-Reproduce, duplicate or copy material from Fincard
-Redistribute content from Fincard
Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. FINCARD/CAFsolutions Ltd does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of FINCARD/CAFsolutions Ltd, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, FINCARD/CAFsolutions Ltd shall not be liable for the Comments or for any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.
FINCARD/CAFsolutions Ltd reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.
You warrant and represent that:
-You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
-The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
-The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy
-The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.
You hereby grant FINCARD and CAFsolutions Ltd a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.
Hyperlinking To Our Content
The following organizations may link to our Website without prior written approval:
-Government agencies;
-Search engines;
-News organizations;
-Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
-System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.
These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.
We may consider and approve other link requests from the following types of organizations:
-commonly-known consumer and/or business information sources;
-dot.com community sites;
-associations or other groups representing charities;
-online directory distributors;
-internet portals;
-accounting, law, and consulting firms; and
-educational institutions and trade associations.
We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of FINCARD/CAFsolutions Ltd, and (d) the link is in the context of general resource information.
These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.
If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to FINCARD or CAFsolutions Ltd. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.
Approved organizations may hyperlink to our Website as follows:
-By use of our corporate name; or
-By use of the uniform resource locator being linked to; or
-By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.
No use of FINCARD and CAFsolutions Ltd logo or other artwork will be allowed for linking absent a trademark license agreement.
IFrames
Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.
Content Liability
We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.
Your Privacy
Please read Privacy Policy.
Reservation Of Rights
We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.
Removal Of Links From Our Website
If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.
We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.
Disclaimer
To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:
-limit or exclude our or your liability for death or personal injury;
-limit or exclude our or your liability for fraud or fraudulent misrepresentation;
-limit any of our or your liabilities in any way that is not permitted under applicable law; or
-exclude any of our or your liabilities that may not be excluded under applicable law.
The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.
As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.
More Information
Hopefully, that has clarified things for you, and as was previously mentioned if there is something that you aren’t sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site.
However, if you are still looking for more information then you can contact us directly through email at info@fincard.gr
FINCARD accounts & compliance services terms of use
Introduction
FINCARD’s electronic money account openings for individuals and businesses and associated payment services are supplied by Modulr Finance B.V. (“Modulr”).
FINCARD’s compliance services are provided by Necoco Limited
Terms & Conditions
These terms and conditions govern the use of the Services as defined in this document, which are supplied by Modulr Finance B.V. (“Modulr”) including the provision of an electronic money account for businesses and associated payment services, which are provided to you by Necoco Limited (“Necoco”, “we”) under the brand Fincard, to any person whose application we approve (“Client”, “Introduced Client”, “you”, “your”), (each a “Party” and collectively the “Parties”).
By applying for and using Services as defined in this document, you confirm that you accept these Terms and Conditions, and that you agree to comply with them (including all the parts of the document). If you do not agree to these Terms and Conditions (“Terms and Conditions”, “Client Terms of Business”, “Agreement”), that include Schedule A: MODURL INTRODUCED CLIENT TERMS OF BUSINESS, you must not use our website, Services or make an application.
Contact and Regulatory Information
We will communicate with you in English (the language in which these Terms and Conditions were agreed with you on registration for your Account). Key information relating to your Transactions will be provided to you at the email address you register with us and/or in your Account. You may access, download and print this information at any time by logging in to your Account. In addition, you agree that we may provide notices or other information to you from time to time by posting it in your Account, emailing it to your registered email address, mailing it to your registered physical address, calling you by phone or sending you mobile messages. Notices to you by email or mobile messages shall be deemed given 24 hours after the email is sent, unless the sending party is notified that the email address is invalid. Notices sent by registered mail shall be deemed to have been received three days after the date of mailing.
Your Card or Account can be managed online at fincard.gr or via email to info@fincard.gr or by phone to +30 6909430047. To report your Cards lost or stolen please call +30 6909430047 or email: support@necoco.tech to contact customer service (“Customer Service”).
The issuer for Your Fincard Account and provider of the Payment Services is Modulr Finance B.V., a company registered in the Netherlands under company number 81852401, whose registered office is at Weteringschans 165 C, 1017 XD Amsterdam.
Modulr is regulated by De Nederlandsche Bank N.V. for issuance of electronic money under reference number R182870 .
Necoco is the programme compliance manager and Partner Platform of Modulr. Necoco is registered in The Republic of Cyprus with registered office at Promachon Eleftherias, Office 8 -9, ELLINAS BUILDING, 4103, Ayios Athanasios, Limassol.
Interpretation
In these Client Terms of Business: (a) a reference to a clause is a reference to a clause in these Client Terms of Business; (b) headings are for reference only and shall not affect the interpretation of these Client Terms of Business; (c) the singular shall include the plural and vice versa; (d) a reference to a person includes a natural person, corporate or unincorporated body (whether or not having separate legal personality) and that person’s personal representatives, successors and permitted assigns; (e) a reference to a party shall include its personal representatives, successors and permitted assigns; (f) reference to a statute or statutory provision is a reference to it as amended, extended or re-enacted from time to time.
Services
Necoco will make available to the Client such services as described by Necoco in the application process or on fincard.gr (“Website”).
The Client agrees to Necoco providing all such information to Modulr who has the right to check and verify the identity of the Client, its directors, beneficial owners and Authorised Users as required by law.
The Client acknowledges that a search of the available public registers may take place for anti-money laundering purposes on the individuals and legal entities.
The Client acknowledges that the individuals legal entities, may have their personal details accessed by third parties for the specific purpose of anti-money laundering and countering the financing of terrorism (AML/CFT), identity verification and fraud prevention.
The Account is provided by Necoco to the Client in accordance with the Necoco Client Terms and Conditions including Modulr Introduced Client Terms of Business. Services provided to the Client under this Agreement are for the sole use by the Client.
The Client can use the Account and Cards (where applicable) to make Transactions on the terms and conditions set out in the Necoco Client Terms and Conditions. A record of all Transactions relating to the Account can viewed on the Website or accessed via the Online Portal (as applicable).
The Client shall promptly notify Customer Service as soon as it becomes aware login and security information enabling access to its Necoco Services have been lost, stolen or compromised.
From time to time Necoco may carry out additional checks on the Client, including the identity of its directors, beneficial owners and the nature of its business in accordance with its Due Diligence Procedure and as required by law. Necoco may contact the Client or Modulr (as applicable) for such purposes. The Client agrees to provide such information as necessary.
The Client shall comply with all legislation and regulation as it applies to the Client. Any failure to comply with relevant legislation or regulation shall be considered a material breach of the Agreement and may result in Necoco discontinuing the provision of the Services as set out in clause 4.
The Client shall implement as appropriate Necoco’s reasonable security recommendations it notifies to the Client from time to time.
Authorised Users
Access to the Services is restricted to individuals that have been designated by the Client as Authorised User/s.
The Client must notify Necoco of all individuals it wishes to be an Authorised User.
Each Authorised User is permitted to access and use the Services in accordance with these Client Terms of Business.
The Client will be responsible for training its Authorised Users in the appropriate use of Necoco Services.
The Client shall ensure its Authorised Users;
take all reasonable care to ensure Services access credentials, including login details to the Website, where applicable, are kept confidential to each Authorised User; and
do not share any information that would enable another party to access the Client’s Necoco Account.
The Client acknowledges and agrees that each Authorised User is authorised by the Client to act on its behalf. Necoco shall deem any instruction given by an Authorised User is an instruction given by the
The Client is responsible to provide Necoco with KYC documents of each Authorised User. Necoco may refuse to accept any Authorised User at its sole discretion.
The Client will be responsible for timely notification to Necoco of any revocation of Authorised User access and will be liable for Transactions made, Fees incurred and use of Services by an Authorised User until Necoco has had three full Business Days to act on any received notice.
Customer Services
The Client can contact Customer Services if it has any queries about the Services. Information may be requested from the Client, including but not limited to, its Authorised Users, Personal and Identity details, Cardholders or Transaction information so that it can verify the identity of an Authorised User, the Cardholder and/or the Necoco Services provided to such Client.
Any information shared by the Client will be kept strictly confidential. Where such information is provided in connection to a service provided by a third party, for example, the Account, then the Client’s information will only be used in accordance with instructions of such third party and only for the purpose of providing Customer Services to the Client on behalf of such third party.
As part of Necoco’s commitment to providing a quality customer service, its managers may periodically monitor telephone communications between its employees and Clients to ensure that Necoco’s high quality service standards are maintained. The Client consents to such monitoring and recording of telephone communications and agrees to make its Authorised Users aware of such practice.
Term and Termination
This Agreement shall commence on the date the Client receives confirmation from Necoco (where applicable) of its successful application for Services and shall continue until terminated by the Client, Necoco or Modulr.
The Client may terminate this Agreement immediately by notifying Customer Services in writing by post or email.
Necoco may terminate this Agreement and close the Client’s Account(s) by providing the Client with at least two months’ notice.
Necoco may suspend or terminate this Agreement immediately if, for any reason, the Client (i) is unable to satisfy the Due Diligence Procedures, (ii) for breach of this Agreement, (iii) has provided false, incomplete or misleading information, (iv) has engaged in fraudulent, money laundering, terrorism financing or other illegal activity or we have reasonable suspicions in respect of same or (v) we are required to do so under any applicable law or regulation or at the direction of any regulatory, law enforcement or other competent authority. Necoco shall notify you as soon as possible, unless prohibited by law, of such suspension or termination of the Agreement.
This Agreement will automatically terminate when all Accounts of the Client are closed (for any reason).
Necoco may terminate or suspend this Agreement in whole or in part immediately by giving written notice to the Client, if Modulr as the issuer, ceases to provide issuance of electronic money. Necoco may terminate this Agreement in whole or in part by giving written notice to the Client if its cooperation with Modulr will be terminated.
On termination of this Agreement for any reason, any balance remaining in the Client’s Account(s) shall be returned to the Client in accordance with these Terms and Conditions. The Client shall pay immediately all outstanding Fees due (where applicable) under this Agreement and in the event of a negative balance in an Account, shall reimburse Necoco such amount equal to the negative balance.
Force Majeure
Necoco will not be liable for the non-performance or failure to provide any part of the Services occurring as a result of any events that are beyond the reasonable control of Necoco, for example, but not limited to, fire, telecommunications or internet failure, utility failure, power failure, equipment failure, employment strife, riot, war, terrorist attack, non-performance of third party suppliers, acts of God such as storm or lightening damage, or other causes over which Necoco has no reasonable control.
Assignment Transfer and Subcontracting
The Services provided to the Client are personal to the Client. The Client cannot novate, assign or otherwise transfer this Agreement, any interest or right under this Agreement (in whole or in part) without the prior written consent of Necoco. This clause shall have proprietary effect .
The Client agrees Necoco may, in its sole discretion, assign, or transfer some or all of its rights and obligations or delegate any duty of performance set out in the documents forming this Agreement. Necoco may subcontract any of its obligations under this Agreement.
In the event of any transfer of this Agreement by Necoco to another service provider, Necoco will notify the Client no later than two months before the proposed transfer; if the Client does not want to transfer to the new provider, the Client must notify Necoco of its objection in writing to Customer Services. On receipt of such notification, Necoco will terminate this Agreement. Any balance remaining in the Client’s Account(s) will be returned to the Introduced
Liability
Nothing in this Agreement will operate to limit either party’s liability with respect to fraud or for death or personal injury resulting from negligence, in either case whether committed by that party or its employees, agents or subcontractors.
Necoco makes no warranty that access to and use of the Services will be uninterrupted or error free.
The Client acknowledges and agrees that Necoco is not liable to the Client for any loss, liability or damages the Client suffers which result from, are related to, or in any way are connected with any fraud control, restriction measures, or other measures implemented from time to time including as required for compliance with legal and regulatory requirements.
Necoco shall not be liable to the Client for any loss or damage the Client may suffer as a result of any act or omission of an Authorised User or Cardholder or an Authorised User’s use or Cardholder’s use or inability to use of the Services.
The Client agrees to indemnify Necoco against any and all actions, claims, costs, damages, demands, expenses, liabilities, losses and proceedings Necoco directly or indirectly incurs or which are brought against Necoco if the Client, or an Authorised User, or a Cardholder has acted fraudulently, been negligent or has misused a Necoco or any of the services provided under this Agreement.
Necoco shall not be responsible in any way for any interest or claims of any third parties in respect of the Services, except as required by law or regulation.
Reports
Necoco may make available certain management or other reporting or business administration functionality via the Website.
Necoco may from time to time amend, modify, replace or withdraw in whole or in part such reporting it provides without further notice.
Data Privacy
Necoco will collect and retain personal information about the Client and each Authorised User and Cardholder to enable Necoco to deliver the Services, other services linked to it and deal with any enquiries that the Client may have about it. Necoco is the data controller of the personal information gathered by Necoco for such purpose. If Necoco uses a third party to provide a part of the Services then that provider will be the owner and controller of the personal information they require to collect in order to operate the relevant service. The use of personal information by third-party service providers will be set out in their service terms and conditions of use. Necoco will, at such third-party provider’s direction, process personal data on its behalf, for example, to enable Necoco to provide Customer Services to the Client.
Necoco processes personal information in accordance with relevant laws on the protection of personal data. Necoco may anytime share these data with Modulr as the issuer of the Accounts.
If Necoco transfers the Client’s information to a third party in a country outside of the European Economic Area Necoco will ensure that the third party agrees to apply the same levels of protection that Necoco is legally obliged to have in place when Necoco processes personal data.
Changes to the Agreement
Necoco may amend or modify this Agreement by giving two months’ notice to the Client unless Necoco is required to make such a change sooner by law. All proposed changes will be posted on the Website and communicated to the Client by such other means that Necoco agreed with the Client, for example by email.
The Client has no obligation to accept such amendments proposed by Necoco.
The Client will be taken to have accepted any change to this Agreement that Necoco notifies to the Client unless the Client notifies Necoco otherwise before the relevant change takes effect. In such circumstances, Necoco will treat notice of objection by the Client as notification that the Client wishes to terminate this Agreement and the use of all Services immediately. All Accounts of the Client will be closed and any balance remaining in the Client’s Account will be returned to the Client. In such circumstances, the Client will not be charged a fee for the Account closure and return of any balance.
General
In these Necoco Client Terms and Conditions, headings are for convenience only and shall not affect the interpretation of these Necoco Client Terms and Conditions.
Any delay or failure by Necoco to exercise any right or remedy under this Agreement shall not be interpreted as a waiver of that right or remedy or stop Necoco from exercising its rights at any subsequent time.
In the event that any part of this Agreement is held not to be enforceable, this shall not affect the remainder of the Agreement which shall remain in full force and effect.
The Client shall remain responsible for complying with this Agreement until its Account(s) are closed (for whatever reason) and all sums due under this Agreement have been paid in full.
This Agreement – and any contractual and non-contractual obligation pursuant hereto – is governed by the laws of the Republic of Cyprus and the Client agrees that any disputes hereunder (including non-contractual disputes) shall be under the exclusive jurisdiction of the competent Courts of Cyprus, or if any contractual and non-contractual obligation fall under Modulr Introduced Client Terms of Business, shall be governed by the laws of the Netherlands and under the exclusive jurisdiction of the competent Courts of Amsterdam, Netherlands.