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TERMS AND CONDITIONS FOR USING THE PAGO APPLICATION
last updated on 18.07.2023

Welcome to the Pago software application or on the website identified with URL address: www.pago.ro (the "Site"). Accessing the Pago App, the Pago-Samsung App (as they are defined below), this Site, as well as using the services provided through the Site / Application take place after informing you about the existence of the terms and conditions listed below (the „„Terms””) and, in case of accessing the Application, after offering you the possibility to expressly accept them. In the absence of this explicit or implicit acceptance from you, you may not use the Pago App and/or the Site.

These terms are meant to explain to you as clear and transparent as possible the way you may use the Pago App and/or Site. As such, the document is subject to continuous modifications and updating – We recommend you see this document with regularity, to be informed with regard to its latest updated version.

1. Definitions

In this document, the words in capitals will have the following meanings:

a)
"Pago App", "Pago Application" or the "Application" means the software application, over which the Company (as defined below) is the holder of rights, whereby you may make electronic payments online, to various suppliers of services, accessible for being downloaded on your mobile phone, through Apple App Store and Google Play, directly, or through the Site, by redirecting, indirectly. For the purpose of these Terms, this definition will be used irrespective of the modality of accessing the Pago Application (through the Site or using the mobile phone, directly from Apple App Store or Google Play);
b)
"Pago-Samsung App" or "Pago-Samsung Application" means the software application, over which the Company (as defined below) is the holder of rights, whereby you may connect to the Pago App and may make electronic payments online, to various suppliers of services, accessible for being downloaded on your Samsung smart TVs, through Samsung Tyzen Store. The Pago-Samsung App may not be used without configuring the Pago App in advance, as provided in these Terms and therefore any reference to the Pago App will include a reference to the Pago-Samsung App, but references to the Pago-Samsung App shall be understood restrictively, as regarding only this application;
c)
The "Company", “We” or “Our” means Timesafe SRL, a Romanian legal entity, with headquarters in Voluntary, registered with the Trade Registry under no. J23/1658/2016, sole identification code (CUI) 35968582;
d)
"Account on Third Site" means your accounts and information found on other websites or other applications belonging to the Agreed Suppliers or the BT Pay Application (as defined below), besides the Pago App, over which the Company has no right and for whose functioning the Company may not be held liable. Insofar as connection to the Application may not be done using a Third-Party Site Account, We recommend you verify if the Third Site has connection problems before contacting the Company;
e)
"CNAIR" means the National Company for the Road Infrastructure Administration, headquartered in Bucharest, 1st district, 38 Dinicu Golescu St., having registration number J40/552/2004 and sole identification number 16054368, tel. 021.264.32.47; since these pieces of data can change in time, we recommend you visit CNAIR’s website at http://www.cnadnr.ro/ for more information and to make sure you have updated identification and contact data of CNAIR;
f)
"Personal Data" means any information relating to an identified or identifiable natural person; an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identification number or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person, according to the definition from the General Data Processing Regulation (“GDPR”);
g)
"Agreed Supplier" means the legal entity available in the Pago App to which you may make payments through the functions of the Pago App. The Agreed Suppliers are uploaded in the Application insofar as the Company or any of its collaborators has a contractual relationship with them in this regard;
h)
"BT Pay Application" means the mobile application accessible for being downloaded on your mobile phone, through Apple App Store and Google Play, operated and, unless otherwise indicated, exclusively owned by Banca Transilvania S.A., a Romanian financial institution, with its headquarters at 8, George Baritiu, Cluj-Napoca, registered with the Trade Register under no. J12/4155/1993, and having unique tax code no. RO 502267, which may be integrated with the Pago App in order to offer you the possibility of using Our services without accessing the Pago App;
i)
"User" or "you" means any natural person, over 18 years old who registers and uses the Pago App, accepting these Terms. For the avoidance of any doubt, the Pago App is not meant for the natural persons who do not meet the conditions described in this definition and, explicitly, is not meant to be used by the minors (in the sense of the legislation applicable to a certain User);
j)
"Subscription fee" means the amount which is to be paid by you as per Art. 8 below, in order to use the Pago App, considering the features that you would like to have available in the Pago App;
k)
"Donate with Pago" represents a feature through which you or any Site user have / has the possibility to make donations to certain Non-Governmental Organizations (as defined below), as a result of campaigns carried out by the Company;
l)
"Non-Governmental Organization" is a non-profit non-governmental organization such as an association, foundation or federation selected to participate in the Donate with Pago campaign in accordance with the Regulation available here;
m)
“Ghiseul.ro” is a platform managed by Agentia pentru Agenda Digitală a României (a specialized public institution of the central public administration, with legal person status, under the management of the Ministry of Communications and Information Society) through which users can pay taxes as levied by public institutions enrolled in the platform as well as conventional fines;
n)
“Vignette” means the electronic registration of the usage tariff which represents a certain amount of which payment gives a vehicle the right to use, during a given period, the Romanian national road network, in accordance with the provisions of Government Ordinance 15/2002 on the application of the usage tariff and the passage tariff on the Romanian national road network, with subsequent amendments and completions;
o)
“Passage” means traveling, once, in one direction, a distance on a sector of road, bridge, tunnel or mountain pass, which is part of the national road network in Romania, on which the passage tariff is applied, which represents a certain amount that is paid for a vehicle depending on the distance traveled on a sector of road, bridge, tunnel or mountain pass, which is part of the national road network in Romania, and the type of vehicle;
p)
“Benefit Voucher” means the coupon / voucher with Pago Points purchased from the Benefit platform which is available at the URL address https://www.benefitsystems.ro and which can be used in the Pago App in accordance with these Terms.

All other capitalized terms have the meaning mentioned when they are used for the first time or, as the case may be, defined for the first time.

2. Using and Functioning of the Pago App
  • 2.1. Services provided through the App

The Company offers you, based on the user account created, access to the Pago App whereby you may pay your invoices, contributions, taxes and may make other payments to the Agreed Suppliers, either directly through the Pago App or through the BT Pay App by virtue of the latter’s integration within Pago. For avoidance of doubt, if, after syncing your accounts, you use the BT Pay App to gain access to the services We normally provide through the Pago App, such use is subject to the terms and conditions afferent to the BT Pay App, as made available by Banca Transilvania S.A.

The services provided through the Pago App are meant to you only if you accept these Terms and may be used only after accepting such Terms. Insofar as it is necessary, according to the legal provisions or the requests of any authority, as well as based on suspicions of fraud or damage to its systems, the Company may ask you to prove your legitimacy as a User, by asking you to supply additional information or documents. In this situation, the Company will not process any Personal Data contained in the offered additional information / documents but only for proving the legitimacy of your quality as a User.

Through the Pago App and / or the Site, the Company offers you access to the following services:

a)

payment of invoices to the Agreed Suppliers, by using one of the following methods:

i. by configuring an Agreed Supplier, as per Art. 2. 2. point (f) below;

ii. by scanning an invoice received from a utility supplier, considering they are an Agreed Supplier, without the configuration mentioned above. This method is not applicable for other suppliers which are not on the list of Agreed Suppliers, with the exception of suppliers available if you have activated the Premium / Limitless versions and have previously used the options described in Art. 8.2. point (e) and Art. 8.3. point (e), in which case such payments of invoices from these suppliers will only be available in the situations mentioned above.

b)
viewing the history of the payments made to the Agreed Suppliers;
c)
electronic recharge of prepaid SIM cards, for cards afferent to phone numbers valid on the Romanian territory;
d)
obtaining financial offers for concluding the mandatory vehicle civil liability insurance policy (RCA);
e)
concluding an RCA policy;
f)
receipt of notifications sent by the Company regarding the expiry of the periodic technical inspection, CASCO insurance, periodic revisions, vignette (Romanian: Rovinietă) (for one or more vehicles), based on your prior configurations for this purpose;
g)
obtaining financial offers for the conclusion of a travel medical insurance policy (travel insurance);
h)
concluding a medical insurance for travelling (travel insurance).
i)
payment, via the Ghișeul.ro platform, of taxes and fees established by public institutions in your charge.
j)
payment of a Vignette;
k)
payment of the Passage tariff;

You can choose to access the Pago App services directly from the BT Pay App, as a result of the synchronization of the accounts you have in both applications.

In addition, based on certain applicable legal provisions, as a User of the Pago App, you can also receive notices sent by both the Company and CNAIR using the email address added in the Pago App, regarding the expiry of the Vignette validity, based on your prior configurations for this purpose.

  • 2.2. User account

In order for you to benefit, under the best conditions, from the services described above, you must follow a certain set of steps:

a)
download the Pago App from the Apple App Store or Google Play on a phone that is compatible with the current version of the Pago App, as stated on the Pago App page in the Apple App Store or Google Play. Thus, the Company does not guarantee the operation of the Pago App on any mobile device belonging to you;
b)
create a user account by filling out a form containing the following fields: e-mail address, last name, first name, password; upon completion of this form, you have the obligation to provide up-to-date and complete data; without filling out the form, you cannot become a Pago Application User; the purpose of the Company's request and processing of this information is described in the Personal Data Processing Policy (the “Policy”), accessible here;
c)
as an alternative to the step described in (b) above, you may use your Facebook account to log into the App. In this situation, the Company will process your username within Facebook. If you are interested in additional aspects of connecting your Facebook account to other apps/websites, you can access more details here, here or here;
d)
within the process described at letter b) above, accepting the Terms and confirming that you have been informed about the content of the Policy; these documents are accessible at any moment for consultation, in the Pago App, after the finalization of the process described at letter b);
e)
selecting at least one of the payment types which you may make in the Pago App, respectively (1) the payment of the invoices issued by Agreed Suppliers, or (2) the payment afferent to recharging a prepaid SIM card;
f)
(optional, if you do not opt for payment by scanning an invoice according to Art. 2.1. (a), point (ii) above) in the case of the action indicated at letter (e) thesis (1) above, the selection of at least one Agreed Supplier from the list available in the Pago App, organized according to the type of services offered (electricity, gas, water, sanitation, etc.) and the entry of login data (account name and password) that you use in your online account in the Agreed Supplier's application/website;
g)
following the completion of the action in letter e), the configuration of each place of consumption corresponding to each Agreed Supplier selected and connected by you in the Pago App, by indicating the type of place (home, parents' house, holiday house);
h)
in the case of the action indicated in letter (e), thesis (2), entering the prepaid SIM card phone number that you wish to recharge;
i)
entering payment details (bank account number and unique password created within the Pago Application) used for making the payment of the invoices or recharging the SIM card. These details can be processed within the Pago App, according to the Policy accessible here;
j)
payment of the Subscription Fee in accordance with the provisions of Art. 8.4. and 8.5. below;
k)
other actions specific to the contracting of RCA and/or travel insurance, payment of a Vignette and/or payment of the Passage tariff.

As a result of following the steps indicated above, the Company, through the Pago App, has access to and processes certain information existing in your electronic user account registered in applications/sites belonging to Agreed Suppliers. Access and processing are carried out in accordance with the provisions of the Policy, available here.

As a User, you are responsible for keeping safe the user account identification and login data to prevent or reduce the chances of unauthorized access to the account created in the Pago App. For more information on this, please refer to the Policy, accessible here.

To the extent that the Personal Data provided by you at the time of filling out the Pago Application form is false, inaccurate or incomplete, the Company, after finding this aspect, directly or as a result of a notice, may temporarily cancel or suspend your access to the account or the actions carried out in this account, in whole or in part, or may refuse to provide any or all of the services available under the Pago App, to the extent that the Personal Data in question cannot be rectified by the Company with your help.

In any event, the Company does not process Personal Data that is not necessary for the provision of the services available in the App, for which it has not obtained your explicit prior consent or in respect of which it has no legitimate interest or other processing basis.

  • 2.3. App features

While using the Pago App, you can always do any of the following:

a)
adding and removing Agreed Suppliers from your account;
b)
adding a bank card (i) by using the Settings – My cardsmenu; (ii) by inserting your bank card details when making the first payment, or (iii) in the case described in Art. 9 below. The added bank card must be issued by a financial institution operating within the territory of Romania or the European Union;
c)
changing the details of the bank card used for making payments;
d)
accessing the settings of the Pago App, wherefrom you may find out more details about the Pago App; may send written requests or questions to the Company; may configure the types of notifications you want to receive from the Pago App; may set the method for securing the payments (a numerical code or fingerprint); may change the language in which the Pago App is displayed (Romanian or English);
e)
viewing all the invoices afferent to the configured Agreed Suppliers, in PDF format;
f)
changing the subscription based on which the App is used, by switching to a higher or lower subscription, as the case may be, if you wish to use more or fewer functionalities of the Pago App;
g)
disconnecting from the Pago App.

In the situation when, while using the Pago App, you notice any elements which could indicate the inappropriate functioning of the Pago App, you may notify this aspect to the Company, by sending an e-mail to the address support@pagoplateste.ro or you may access the section “Say your opinion” from the Pago App.

As a User, you are entirely liable for all the operations made through the Pago App. In exchange, the Company guarantees that it processes the data generated by you within the Pago App, including the Personal Data, according to the provisions of the Policy, accessible here.

  • 2.4. Payment of Invoices

For the avoidance of any doubt, the Company is not liable for the accuracy of the information comprised in the PDF invoices available within the Pago App, belonging to the Agreed Suppliers, such as, without limitation, the amount owed and its due date, the correct description of the consumption place or the holder of the agreement afferent to the consumption place. For any clarifications or discrepancies related to this information, the Company will direct you to the Agreed Supplier issuing the invoice.

In the history of payments section afferent to each Agreed Supplier, you may consult the situation of all invoices paid during the past 6 months, you may find out the contact data of the customer support departments of the Agreed Suppliers or you may ask for the re-transmission of a payment confirmation of any invoice, insofar as that payment was previously made through the Pago App. This re-transmission is made through your e-mail.

You can pay one or several invoices at the same time, up to the maximum number of invoices available for payment, per month, based on your active subscription. Once the maximum number of invoices available for payment is reached, when you attempt paying a new invoice, the App will show a message informing you that the limit has been reached and suggesting the possibility to activate another subscription, along with information about the available features and the price related to the proposed subscription.

In case you did not add a bank card to your account by using the menu Settings – My cards, upon the initiation of the first payment, you will be asked for details regarding your bank card which will be subsequently saved by the payment processor used by the Company, at the relevant time. The confirmation of making the payment is visually signaled in the Application and by a confirmation e-mail sent to you.

The Company does not process, by any means, your bank card details besides for facilitating the access to such information to the payment processor. More details in this sense may be found in the Policy available here.

We use third products for processing the payments ("Payment processors") made from your in-App account. Processing the payments may be subject to the terms, conditions and confidentiality policies of the Payment processors, in addition to these Terms.

We are not liable for any error which may occur in relation with the processing of a payment. You agree to make the payment using that payment method selected when you instruct the making of such payment.

The Company does not guarantee a certain interval of time which may elapse between any of the operating steps of the Pago App, as they are described in this Article. The Company may not be held liable for the technical difficulties which may occur depending on the mobile device on which the Pago App is running and the capacities of this device. The Company is interested in your feedback, as well as in signaling any issues regarding the functioning of the Pago App, which may be transmitted by e-mail to the address: support@pagoplateste.ro or through the “Say your opinion” section of the Pago App.

  • 2.5. Insurance

The services for obtaining offers and contracting the RCA policies and medical insurance for travelling policies (travelling insurance) are offered according to the terms and conditions of such services, available here.

  • 2.6. Payment of a Vignette

You can pay the Vignette, through the Application, for vehicles registered in Romania or abroad (except for motorcycles or vehicles registered temporarily).

In order to pay the Vignette through the Application you must fill in the following data: vehicle registration number, chassis series, vehicle category, as well as the country of registration. If at least one of these data is missing, we will notify you with the message "Incomplete Data", and as long as this message is active, you will not be able to pay the Vignette.

In order to pay the Vignette through the Application you must fill in the following data: vehicle registration number, chassis series, vehicle category, as well as the country of registration. If at least one of these data is missing, we will notify you with the message "Incomplete Data", and as long as this message is active, you will not be able to pay the Vignette.

You can choose from all types of Vignette available in Romania (respectively, for 1 (one) day, 7 (seven) days, 30 (thirty) days, 90 (ninety) days or 12 (twelve) months). However, please note that, in accordance with the legal provisions in force, you will not be able to purchase the Vignette for 1 (one) day in the case of cars and freight vehicles with MTMA less than or equal to 3.5 tons.

You will not be able to pay the Vignette through the Application in the following cases:

-
There is already an active Vignette for the same vehicle, if its period overlaps with at least 1 (one) day the period of the Vignette you want to buy;
-
The start date of the validity of the Vignette you wish to purchase exceeds by 30 (thirty) calendar days the current date.

Information on the start and/or expiration date of a Vignette paid through the Application will be available both within the Application and in the confirmation e-mail we send you when you pay the Vignette.

If you choose so (and you select this option), we will send you notifications via the e-mail address you input when purchasing a Vignette through the Pago App, through the Application, to inform you about the expiration of the validity of the Vignette paid through the Application.

If you opt in to this functionality, in addition to the notice mentioned above, CNAIR will also send you email notifications, to inform you about the expiration of the validity period of the Vignette paid through the Application. This notice is required as a result of both legal provisions in force and our contractual relationship with CNAIR. More details about the processing of your e-mail address in this context may be found in the Policy, available here.

Payment of the Vignette will be made by debiting the credit card saved in the Application or the credit card newly added in the Application, without us charging any commission for this operation. As a result of purchasing and paying the first Vignette, you will receive a number of 100 Pago Points, which you will be able to use in subsequent operations, in accordance with the Regulation available here.

  • 2.7. Payment of the Passage tariff

You have the possibility to pay the Passage tariff, through the Application, for a vehicle registered in Romania or abroad (except for motorcycles or vehicles temporarily registered).

You can pay the tariff for a number of 1 (one) Passage, 2 (two) Passages or 20 (twenty) Passages, and the number of Passages does not differ depending on the type of vehicle. Please note that the Application does not monitor used or remaining Passages under any circumstances, so we do not have the possibility to inform you about the number of remaining valid Passages, respectively, the number of Passages used. You will instead have access to the history of transactions / payments you have made through the Application.

The validity of the Passages (whether it is 1 (one) Passage, 2 (two) Passages or 20 (twenty) Passages) is of 12 (twelve) months from the date of payment of the tariff for that Passage.

The payment of the tariff corresponding to a Passage will be made by debiting the credit card saved in the Application or the credit card newly added in the Application, without us charging any commission for this operation. As a result of paying the first number of Passages (whether it is 1 (one) Passage, 2 (two) Passages or 20 (twenty) Passages) you will receive a number of 50 Pago Points, which you will be able to use in subsequent operations, in accordance with the Regulation available here.

3. Using and functioning of the Pago-Samsung App

The Company offers you, based on the account previously created in the Pago App, access to the Pago-Samsung App whereby you will have access to only a part of the services offered by the Company in the Pago App, as these are described in this Article.

The services provided through the Pago-Samsung App are meant to you only if you accept these Terms and may be used only after accepting such Terms. Insofar as it is necessary, according to the legal provisions or the requests of any authority, as well as based on suspicions of fraud or damage to its systems, the Company may ask you to prove your legitimacy as a User, by asking you to provide additional information or documents.

  • 3.1. Pago-Samsung App Services

To use the Pago-Samsung App, you shall follow a specific set of steps as follows:

a)
to download the Pago-Samsung App from Samsung Tyzen Store, on a TV compatible with the current version of the Pago-Samsung App, according to the mentions found on the Pago-Samsung App page from Samsung Tyzen Store. Thus, the Company does not guarantee the functioning of the Pago-Samsung App on any TV belonging to you;
b)
to log in with your user account created pursuant to Art. 2.2 (b), or create a user account by filling in the data referred to in Art. 2.2 (b);
c)
within the process described in letter b) above, accept the Terms and confirm that you have been informed about the content of the Policy; these documents are accessible at any moment for consultation, in the Pago-Samsung App, after the finalization of the process described in letter b);
d)
to install / have installed the Pago App on the mobile phone and to configure / have configured the Pago App, according to Art. 2 of the Terms;
e)
to connect the Pago-Samsung App with the Pago App on the mobile phone; to this end, you will need to enter the code generated on the Samsung TV into the Settings – My Account menu in the Pago App on the mobile phone.

Through the Pago-Samsung App, you will only have access to the payment of invoices to the Agreed Suppliers configured in the Pago App on the mobile phone, as per Art. 2.2. (f) above. In order to be able to pay an invoice, you need to have a bank card added to the Pago App on the mobile phone, according to the provisions of Art. 2.3. b) and 2.4 above.

  • 3.2. Pago-Samsung App features

While using the Pago-Samsung App, you have the possibility to perform, at any time, any of the following actions:

a)
viewing the Agreed Suppliers from your account, added in the Pago App and certain details about these Agreed Suppliers (payments history, due invoice), and certain consumption graphs;
b)
viewing the history of the payments made to the Agreed Suppliers;
c)
viewing all the invoices afferent to the configured Agreed Suppliers, in PDF format;
d)
sorting the invoices afferent to the configured Agreed Suppliers;
e)
accessing the settings of the Pago-Samsung App, wherefrom you may choose the default bank card with which the invoices will be paid to the Agreed Suppliers; may read the Terms and the Policy; may find out more about the security measures; may find out more details about the Pago-Samsung App; may set the method for securing the payments (a numerical code); may change the language in which the Pago App is displayed (Romanian or English);
f)
disconnecting from the Pago-Samsung App.

For the avoidance of doubt, all other services/functionalities offered by the Company, as indicated in Art. 2 of the Terms (such as, without limitation, adding an Agreed Supplier, adding a bank card, changing the bank card details, changing the tariff plan, etc.) can only be accessed by you within the Pago App on the mobile phone.

All other provisions of Art. 2 above, related to the use and functioning of the Pago App, shall also apply to the use and functioning of the Pago-Samsung App, insofar they are related to the services provided by this Article and are not contrary to the provisions of this Article.

The effects of using the services / features offered by the Company through the Pago-Samsung App will be reflected in the user account within the Pago App.

4. „Donate with Pago” functionality

The Company offers you, based on your user account created in the Pago App, as well as any other person who does not have a user account and only accesses the Site to use the Donate with Pago feature and to donate to a Non-Governmental Organization.

  • 4.1. Access functionality by you, as a User

Within the Pago App, you have at any time the possibility to perform any of the following actions:thin the Pago App, the User has at any time the possibility to make any of the following actions:

(a)
make a donation to a Non-Governmental Organization;
(b)
set recurring donations to a Non-Governmental Organization;
(c)
modify recurring donation settings (i.e., cease recurring donations to a particular Non-Governmental Organization, and possibly set recurring donations to another Non-Governmental Organization);

Also, within the Pago App, you have access to the following features at any time:

(a)
view the profiles created for each of the 15 Non-Governmental Organizations selected in the campaign, including but not limited to description, contact details, location, financial targets, activities, history of donations received through Pago;
(b)
view the donation history made to Non-Governmental Organizations;
(c)
the possibility to share on social media;
(d)
the possibility to donate anonymously or not.

Donations made by you to a Non-Governmental Organization may consist of cash or Pago Points that are automatically converted into money. If you donate money, the minimum amount to be donated is RON 5. In the case of donations higher than RON 2,500, the processing of the transaction shall be made manually and the donation will be sent to the Non-Governmental Organization only upon its acceptance. If the Non-Governmental Organization does not accept the donation, the Company will refund the amount of money to you or to the Site user that made the donation, as the case may be.

Donations made by you to a Non-Governmental Organization within the Pago App are not taken into account in calculating the number of monthly paid invoices according to your subscription in accordance with Art. 8 below.

If you activate a recurring donation to a Non-Governmental Organization, you will receive the following benefit: you will be able to pay two more invoices per month compared to the number included in the selected subscription plan in accordance with Art. 8 below. This benefit will be active for each month in which at least one recurring donation has been made.

  • 4.2. Access functionality by Site users

The Donate with Pago feature is also available to Site users (irrespectively if they are or not Pago App Users and irrespectively if they have or not a user account created). A Site user may make a donation to a Non-Governmental Organization. The donation made in this way can only consist of a sum of money and is at least RON 5. In order to make such a donation, the Site user will be asked for the details of their bank card which will be transmitted to the Payment Processor, the provisions of Art 2.4. paragraphs 5 to 7 applying accordingly.

Once a donation has been made by a Site user, they will receive the donation confirmation by e-mail. This Site user will also receive a number of Pago Points, in accordance with the Regulation available here. Pago Points will be awarded only if the user does not already have a user account in the Pago App and only if the user creates a user account via the link sent to them.

  • 4.3. Relationship between the donors, NGOs and the Site

When making a donation through the Pago App or through the Site, the money paid by you or by the Site user will be transferred to the Company's bank account which will then transfer them to the account of the Non-Governmental Organization to which the amount of money was donated. To avoid any doubt, Non-Governmental Organizations empower the Company to receive donations on their behalf. As such, in this case, the Company acts only as a representative (power of attorney) of Non-Governmental Organizations and, as such, in this position, the Company receives the money from you or from the Site user. For clarity, the Company is not and does not act as a payment processor, as a bank or any other type of financial institution.

Both you and the Site user understand and agree that in providing such feature, the Company is only an intermediary and is not a party to the donation agreement between you or the Site user and the Non-Governmental Organizations to whom money or Pago Points are donated.

For clarity, the Company is third party to this legal relationship (donation agreement) and We are not responsible at any time for any claim, damages, payment, deficiency, fine, judgment, debt, loss, cost or expense resulting from or related to the legal relationship between you or the Site user and the Non-Governmental Organization.

The Company does not guarantee or make any statements about Non-Governmental Organizations and their activities. The Company cannot be held accountable for the way in which Non-Governmental Organizations use the donations received from you or Site users. Any dispute over the use of donations by Nongovernmental Organizations or any other matter related to donations is settled directly and strictly between donors (you or the Site user) and grantees (Non-Governmental Organizations).

5. „Ghiseul.ro” feature

The Company offers you the possibility to use the Ghiseul.ro feature through which you can pay taxes and fees due to state public intuitions.

In order to use the Ghiseul.ro Feature, you shall follow these steps:

a)
have an account previously created on Ghiseul.ro, as per the Ghiseul.ro terms and conditions;
b)
insert in the Pago App your surname, name and Personal Identification Number (PIN). The access to and processing of these Personal Data are carried out as per the Privacy Policy available here.
c)
for the payment of taxes and fees due by you, as these are indicated in your account on the Ghiseul.ro platform, you will select in the Pago App the payment obligation that you want to fulfill;
d)
when you chose to make a payment as per let. c), you will be redirected to the payment page of the mobile version of Ghiseul.ro;
e)
you will make the payment on the payment page of the mobile version of Ghiseul.ro;
f)
for payments made on the payment page of the mobile version of Ghiseul.ro, due to data security considerations, you will not be able to use the details of one of the bank cards previously saved in the Pago App, which are being used for other features of the Pago App;
g)
following a payment, you will receive a payment confirmation on the email address registered on their Ghiseul.ro account;
h)
the payment confirmation will be saved in the Pago App and will be available in the payment history from the Pago App.

The payment of taxes and fees using the Ghiseul.ro Feature is done through the Ghiseul.ro platform and is governed by the terms, conditions and privacy policy of the Ghiseul.ro platform, in addition to these Terms. For clarity, the payments are processed by Ghiseul.ro, the Company is not involved in any way in processing the payments or in transferring the sums to the state institutions.

The taxes and fees displayed in the Pago App are those indicated in your account on Ghiseul.ro, the Company does not intervene in any way on them.

The Company is not responsible for any error, damage or prejudice which may arise in relation to taxes and fees displayed in the Pago App as they are indicated in your account on the Ghiseul.ro platform. Also, the Company is not responsible for any error, damage or prejudice which may result following the payment made on the Ghiseul.ro platform.

6. Integration with the BT Pay App

The Company offers you the possibility to access its services through the BT Pay Application. In order to synchronize the BT Pay Application with the Pago App, you shall follow a set of steps:

a)
have an account previously created in the BT Pay Application, pursuant to the terms and conditions of the BT Pay App;
b)
fill in the BT Pay Application your unique User number and the e-mail address used to set up your Pago App account. The unique User number may be accessed from the Settings > My account section within the Pago App and is valid for 15 minutes, following which it automatically resets. For the avoidance of doubt, the unique User number is not the same as the unique account number available in the Invite section as described in Art. 11.

The access to and processing of the unique User number and email address, as Personal Data, within the BT Pay Application are carried out by Banca Transilvania S.A., according to its privacy policy available here;

At the time of integration with the BT Pay App pursuant to this Article, the user account configuration will be imported from the Pago App, including the list of Agreed Suppliers and the history of payment made using the Pago App. This configuration will be automatically updated between the accounts in both apps at the time of each payment made to Agreed Suppliers that exist in the Pago App at the time of integration with the BT Pay App. You will be able to see the history of payments made to Agreed Suppliers whether they have been ordered from the BT Pay App or the Pago App in either of these two apps.

Following the integration, you will only be able to add new Agreed Suppliers within the Pago Application, following the steps described in Art. 2. Agreed Suppliers added following the integration will not be automatically synchronized in the BT Pay App and you will only be able to order payments to them after a manual update of the two apps pursuant to this Article.

The payments made through the BT Pay Application, following its integration with the Pago App, are governed by the terms, conditions and privacy policy of the BT Pay Application, in addition to these Terms. For clarity, the payments are processed by BT Pay, the Company is not involved in any way in processing the payments or in transferring the sums to the relevant recipients.

By way of exception, the Company will continue to process payments made from the BT Pay App to the following Agreed Suppliers: Gaz Vest S.A., RER Ecologic Service București Sud S.A., Apa Nova București S.A., BNP Paribas Personal Finance S.A., Benefit Seven S.A., Credex IFN S.A. and Xisoft Servicii SRL. Payments to these recipients shall continue to be subject to these Terms even when initiated from the BT Pay App.

The possibility to make payments through the BT Pay App does not affect the permissions to use the functionalities of the Pago Application as described to Art. 8 „Subscriptions”.

You can choose to delete any of your accounts on Pago and BT Pay Apps at any time. Deleting the account in the Pago App does not delete the payment history and configuration of Agreed Suppliers existing in the BT Pay App and, therefore, you can still use the services of this app.

7. Accessing and updating Accounts on Third-Party Sites

By using the Pago App and accepting the Terms, you are expressly authorizing the Company to access any of your Accounts on a Third-Party Site, on your behalf, according to the provisions of the Policy, available here.

By using the Pago App, you may automate, totally or partially, the payments you authorize to the Agreed Suppliers. In order to optimize the use of the Pago App, so that you can be sure that the payment amounts displayed in the Pago App are correct and complete, the Company periodically accesses and updates the information about you available in the Accounts on Third-Party Sites.

In addition to the purpose set out in Art. 9., the Company shall not use for any other purpose the information about you that is available in the Third-Party Sites’ Accounts.

You understand that, insofar as the information about you that is available in the Accounts on Third-Party Sites are inconsistent, incomplete or inadequate the Pago App may not display correct and complete information regarding the invoices afferent to the Agreed Suppliers. For the avoidance of any doubt, The Company is not liable for any erroneous result, insofar as this result is caused by erroneous information that concerns you, available in the Accounts on Third-Party Sites. You understand that you are responsible for constantly updating the information available in the Accounts on Third-Party Sites.

8. Subscriptions

Using the Pago App can be free of charge or by paying a Subscription Fee, depending on the features that you wish to access.

  • 8.1. Free version

Using the Free version of the Pago App, you have the possibility to:

(a)
make a maximum of 4 (four) invoice payments to the Agreed Suppliers, per month;
(b)
perform an unlimited number of electronic recharges of prepaid SIM cards;
(c)
conclude an unlimited number of RCA policies, irrespective of their value, the identity of the insurance company that issues them, their period or the conclusion for one or more vehicles, subject to the specific conditions of the RCA policy conclusion available here;
(d)
conclude an unlimited number of medical insurance policies for travelling (travel insurance), irrespective of their value, the identity of the insurance undertaking to which it is concluded, their period or the conclusion for one or more persons, subject to the specific conditions of the travel insurance policy conclusion described here;
(e)
payment of a Vignette, under the conditions provided by section 2.6. of these Terms;
(f)
payment of the Passage tariff, under the conditions provided by section 2.7 of these Terms;
(g)
perform any other operations within the App that are not accessible exclusively to Users who have enabled Premium or Limitless versions of the App.
  • 8.2. Premium version

Using the Premium version of the Pago App, you have the possibility to:

(a)
make a maximum of 8 (eight) invoice payments to Agreed Suppliers per month;
(b)
perform an unlimited number of electronic recharges of prepaid SIM cards;
(c)
conclude an unlimited number of RCA policies, irrespective of their value, the identity of the insurance company that issues them, their period or the conclusion for one or more vehicles, subject to the specific conditions of the RCA policy conclusion described here;
(d)
conclude an unlimited number of medical insurance policies for travelling (travel insurance), irrespective of their value, the identity of the insurance undertaking to which it is concluded, their period or the conclusion for one or more persons, subject to the specific conditions of the travel insurance policy conclusion described here;
(e)
request for a new supplier to be added within the Pago Application, if that supplier is not already available among the Agreed Suppliers, by submitting the picture of an invoice issued by that supplier and We will add it to the Pago Application so that it becomes available for invoices payment only by using the invoice barcode scanning function, within 10 (ten) business days from the date the invoice picture is uploaded in the Pago App. The data contained in this invoice will be processed by the Company only for the purpose described in this paragraph and in accordance with the provisions of the Policy, available here;
(f)
make payments to suppliers inserted into the Pago App by you or other Users, in accordance with the procedures described in letter (e);
(g)
set up the receipt of notifications regarding the expiry of the following periods of validity, for an unlimited number of vehicles: mandatory technical inspection, Casualty and Collision insurance (CASCO), periodic inspection and road tax for using the national roads in Romania (vignette). This configuration may be done by adding the expiration date of the validity periods indicated above and by choosing the number of days prior to the expiration of the validity periods when you wish to be notified by the Pago App, regarding this expiration of periods;
(h)
receive 50% more Pago Points for each operation performed in the App for which Pago Points are awarded, as per the Regulation available here, with the exception of those indicated under points 2.1.12. – 2.1.14. of the Regulation, for which the provisions of this letter (h) will not apply;
(i)
receive answers from the Company with priority as regards the requests sent by you to the Company, irrespective of channel used for sending these requests. In this sense, the Company will take measures to make sure it will respond with priority to Users who activate the Premium subscription compared to those who activate the Free subscription; however, the Company does not guarantee a maximum response time (this will depend on the number and complexity of the requests coming from Users who activate the Premium and Limitless subscriptions);
(j)
payment of a Vignette, under the conditions provided by section 2.6. of these Terms;
(k)
payment of the Passage tariff, under the conditions provided by section 2.7. of these Terms;
(l)
use any other features in the App that are not exclusively available for Users who activated the Limitless version of the app.
  • 8.3. Limitless version

Using the Limitless version of the Pago App, you have the possibility to:

(a)
pay an unlimited number of invoices issued by Agreed Suppliers, per month;
(b)
perform an unlimited number of electronic recharges of prepaid SIM cards;
(c)
conclude an unlimited number of RCA insurance policies, regardless of their value, the insurance company which issues them, their period or the conclusion for one or more vehicles, subject to the specific conditions of the RCA policy conclusion described here;
(d)
conclude an unlimited number of medical insurance policies for travelling (travel insurance), regardless of their value, the insurance company which issues them, their period or the conclusion for one or more individuals, subject to the specific conditions of the travel insurance policy conclusion described here;
(e)
request for a new supplier to be added in the Pago App, if that supplier is not already amongst the Agreed Suppliers, by sending a photo of an invoice issued by that supplier and We will add that supplier in the Pago App so that it becomes available for invoices payment only by using the invoice barcode scanning function, within 3 (three) business days from the moment the picture of the invoice photo is sent in the Pago App. The information included on the invoice will be processed by the Company only for the purpose described in this paragraph and in accordance with the Privacy Policy available here;
(f)
make payments to suppliers added in the Pago App by you or other Users, as per the procedure described Art. 8.2. (e) and 8. 3 (e);
(g)
set up notifications to be received with regard to the expiry of the following periods, for an unlimited number of vehicles for: mandatory technical inspection, Casualty and Collission insurance (CASCO), periodic inspection and road tax for using the national roads in Romania (vignette). This configuration will be done by adding the expiration date of the validity periods indicated above and by choosing the number of days prior to the expiration of the validity periods when you wish to be notified by the Pago App;
(h)
receive twice the number of Pago Points for each operation performed in the App for which Pago Points are awarded, as per the Regulation available here, with the exception of those indicated under points 2.1.12. – 2.1.14. of the Regulation, for which the provisions of this letter will not apply;
(i)
payment of a Vignette, under the conditions provided by section 2.6. of these Terms;
(j)
payment of the Passage tariff, under the conditions provided by section 2.7. of these Terms;
(k)
receive answers from the Company with priority regarding requests sent by you to the Company, irrespective of the channel used for sending these requests. In this sense, the Company will take measures to make sure it will respond with priority to Users who activate the Limitless subscription compared to those who activate the Free or Premium subscriptions; however, the Company does not guarantee a maximum response time (this will depend on the number and complexity of the requests coming from Users who activate Limitless subscriptions);
(l)
the suggestions regarding new features to be introduced in the App, received from Users who activate the Limitless subscription will be treated with priority; however, this does not impose on the Company the obligation to implement these suggestions or a maximum term for implementing such features.
  • 8.4. Subscription Fee

8.4.1. Depending on which subscription is chosen from those indicated in Art. 8.1., 8.2. or 8.3., you will have to pay a Subscription Fee, as follows:

(a)
in order to access the Free version of the App, you will not need to pay a Subscription Fee;
(b)
in order to access the Premium version of the App, you will need to pay a Subscription Fee of RON 57.49 per year (equivalent to RON 4.79 per month), if you pay in advance for the use of the Premium version for 12 months, starting from the day of the payment, or RON 5.99 per month, if you make this payment on a monthly basis.
(c)
in order to access the Limitless version of the App, you will need to pay a Subscription Fee of RON 172.88 per year (equivalent to RON 14.39 per month), if you pay in advance for the use of the Unlimited version for 12 months, starting from the day of the payment, or RON 17.99 per month, if you make this payment on a monthly basis.

The Subscription Fees indicated in this Art. 8.4. shall be applicable regardless of any change to the Subscription Fee value We decide to make (either increasing or discounting it) in the future or as a result of any part of these Terms, in the following situations:

-
if you paid a Subscription Fee in the value described in this Art. 8.4., and this payment is still effective at 13 June 2023, 11.59 PM Romanian time;
-
if the 15 (fifteen) calendar days during which you can unilaterally terminate the relationship with the Company regarding the activated subscription, regardless of the reason for such termination, has not expired, according to Art. 8.6. of these Terms, if this term is still ongoing at 13 June 2023, 11.59 PM Romanian time;
-
if you paid a Subscription Fee in the past, regardless of their value, anytime between 15 December 2021, 12.00 AM and 13 June 2023, 11.59 PM Romanian time, regardless of whether the payment thereof is still effective on 13 June 2023, 11.59 PM Romanian time.

For clarity, the Subscription Fees mentioned in Art. 8.4.1. will not apply to subscription periods that are ongoing on 13 June 2023.

The Subscription Fees mentioned in Art. 8.4.1 are valid for a period of 12 (twelve) consecutive calendar months from the payment date of the first Subscription Fee and after these 12 (twelve) months, the Subscriptions Fee mentioned in Art. 8.5. below will become applicable, except as otherwise provided in these Terms.

  • 8.5. New Subscription Fee (starting on 13 June 2023, applicable to certain Users)

The Subscription Fee mentioned in Art. 8.4. shall be increased from the value provided therein, as applicable, if you, cumulatively (a) opt in for a paid version of the App (Premium or Limitless); (b) express such an option starting with 13 June 2023;

If you fulfil the conditions mentioned in the above paragraph of Art. 8.5., based on the type of subscription chosen according to Art. 8.2 and 8.3., the applicable Subscription Fees will be as follows:

(a)
in order to have access the Premium version of the App, you will need to pay a Subscription Fee of RON 64.99 per year (equivalent to RON 5.41 per month), if you pay in advance for the use of the Premium version for 12 months, starting from the day of the payment, or RON 6.79 per month, if you make this payment on a monthly basis;
(b)
in order to have access the Limitless version of the App, you will need to pay a Subscription Fee of RON 191.99 per year (equivalent to RON 15.99 per month), if you pay in advance for the use of the Unlimited version for 12 months, starting from the day of the payment, or RON 19.99 per month, if you make this payment on a monthly basis.

8.5.1. If, on 13 June 2023, you were benefitting from a different Subscription Fee than the one mentioned in Art. 8.4.1. above, the Subscription Fees mentioned in Art. 8.4.1 will become applicable to you starting with the first payment related to the first subscription period following 13 June 2023, which you make for the Premium or Unlimited version.

  • 8.6. Payment of the Subscription Fee

In order to pay for the Subscription Fee, you will be prompted to insert the bank card details to be used for the payment. The bank card details can be changed at any time by you, after the initial setup. Also, you can use the Pago Points accumulated in your Pago account in order to partially or fully pay for the Subscription Fee.

Also, distinct from the insertion of the bank card details at the time of making the first payment, you will have the possibility to add and save a bank card to your account, by accessing the menu Settings - My cards. If you choose to add a bank card by this way, the bank card will be charged with a non-refundable amount of RON 0.2, with the purpose of verifying the card and saving it to your account.

For the avoidance of doubt, the non-refundable amount of RON 0.2 is charged only if you add a bank card by accessing the menu Settings - My cards. This amount will not be charged if the bank card is inserted at the time of the first payment.

The Company reserves the right to change the Subscription Fees indicated in Art. 8.4. and 8.5. above, which will be applicable starting with the next payment. In such cases, the Company will inform you in the App and using the email address inserted when creating the Pago account about the date when the new Subscription Fees will be applicable. For the avoidance of any doubt, unless provided otherwise in these Terms, the new Subscription Fees will not be applied to subscriptions that are ongoing on the date when the new Subscription Fees will be applicable.

In case of the Premium and Unlimited versions of the App, after activation, you will have a term of 15 (fifteen) calendar days during which you can unilaterally terminate the relationship with the Company regarding the activated subscription, regardless of the reason for such action. By unilaterally termination within the given term, you will not be required to make any payment to the Company, in relation to the Subscription Fee. For the avoidance of any doubt, after the expiry of the unilaterally termination term as described in this Article, you will owe the amounts indicated in Art. 8.4. and 8.5. above, as the case may be.

When activating the Premium or Unlimited versions of the App, in case you did not add a bank card to your account by using the menu Settings – My cards, you will need to insert the bank card details to be used for paying the Subscription Fee, as per Art. 8.4 and 8.5. above. In case the Company is not able to debit the card introduced with the value of the Subscription Fee for the version of the App that you have chosen, at the expiration of the 15 (fifteen) calendar days term indicated in the paragraph above, the Company will send you an email notification, using the email address entered for the registration of your account, in order to inform you about the declined payment and will offer you the possibility to add another card. If you will not add another card within 24 hours from the date the Company sent the email notification, the Free version of the App will be activated automatically, until you enter the data of another card that can be debited by the Company.

Following the end of a subscription period for which you have previously paid the Subscription Fee, a new subscription period which will be identical in duration to the previous one, will be activated and the Subscription Fee for this new period will be debited automatically from the card you have introduced in the App for paying the Subscription Fee. This operation will be repeated upon the expiration of each subscription period until you express your wish to use a different version of the App, in which case the terms and conditions of that version will be applicable, as described in this document for that respective version (Free, Premium, Limitless), starting with the end of the ongoing subscription period corresponding to the most recently Subscription Fee that you have paid / debited from the card that you have entered in the App for payment of the Subscription Fee.

Deleting the account that you have created in the App will also cancel the automatic debiting of the card added for payments of the Subscription Fee with the amount representing the Subscription Fee for which you have opted.

At any time during the use of any version of the App, you can switch to a different version of the App. If you use one of the versions for which a Subscription Fee is charged (Premium or Limitless) and wish to use the Free version of the App, this option will be recorded in the App and will be activated on the day following the expiration of the subscription period corresponding to the version used and for which you have paid. For the avoidance of any doubt, the Company will not reimburse you any part of the Subscription Fee already paid, when you decide to switch to the Free version of the App.

9. Using the Benefit Voucher

The Pago Points related to the Benefit Voucher (in the amount mentioned in the voucher) will be allocated to the user account in the Pago App that corresponds to the email address indicated by you at the time of purchasing the Benefit Voucher.

If there is no user account created with that email address, an information email will be sent (by which the person is invited to create a user account) to the email address indicated at the time of purchasing the Benefit Voucher. Once the user account has been created with the email address indicated at the time of purchasing the Voucher, the Pago Points related to the Benefit Voucher (in the amount mentioned in the voucher) will be allocated to the respective User.

You understand and agree that the value of a Benefit Voucher and/or the number of Pago Points that may be accumulated can be set only by the operator of https://www.benefitsystems.ro and configured by you, as user of that website, without Us being able to influence the process in any way.

The Pago Points earned in accordance with this Article may be used in the Pago App in accordance with the regulation available here.

The Pago Points earned in accordance with this Article may be used in the Pago App only after adding a bank card in the Pago App, this step being technically needed even if you plan to make a payment in the Pago App using only the Pago Points. The card data will be processed according to the Policy available here, without Us withdrawing any amount of money from this card.

For more details about how to purchase a Benefit Voucher, please review the terms and conditions available on https://www.benefitsystems.ro.

10. Authentication by digital fingerprint

The digital fingerprint authentication may be used on devices which have the this functionality incorporated, minimum iPhone 5S with a minimum operation system iOS8 and on devices with Android operation system, minimum version 6.0. The Company does not process, by any means, the details of the digital fingerprints stored on your devices, this serving only for activating algorithms from the Pago App that allow you to authenticate.

This type of authentication ensures the security degree allowed by the supplier of this authentication solution. More details about the digital fingerprint authentication may be found:

a)
in the case of iOS operation systems: here;
b)
in the case of Android operation systems: here.

The Company assumes no liability and makes no recommendations as regards the use of this type of authentication instead of the authentication system based on the PIN code or vice versa.

You understand that you are exclusively liable for the use of the digital fingerprint authentication and the consequences of any unauthorized authentication using this type of authentication.

11. Pago Application's Referral System to your contacts

The Company will generate a unique alphanumeric code (consisting of numbers and letters), which will be associated only to you and that you can share with your contacts from the address book and/or other mobile applications that you have installed on your mobile device. For the avoidance of any doubt, you are not obliged to share this code and sharing the unique code will not lead to activating features of the App which would be otherwise unavailable, with the exception of those described in Art. 11.

For sharing the unique code related to your account in the Pago App, you will receive a number of Pago Points (in accordance with the regulation available here), in so far as you perform the following actions cumulatively:

(a)
you share the unique code corresponding to your account in the Pago App with your contacts;
(b)
one of your contacts install the Pago App, as a result of accessing the link you have shared, which contains the unique code corresponding to your account in the Pago App;
(c)
after installing the Pago App in accordance with paragraph (b) above, the new User configures at least one Agreed Supplier within the Pago Application and makes the payment of an invoice to that Supplier.

Your unique code corresponding to the account in the Pago App is available in the Invite in Pago section and can be shared with any and all of your contacts. In the case of new Users who have performed only the actions indicated in (a) and (b) of this Article, you, as a User who shared the unique code (which led to the installation of the App by the new Users) will be able to see, within the Invite in Pago section, that the new Users have not paid an invoice and may send them notifications from the Pago App.

12. Change of Terms

The Terms may be modified at any time by the Company. Each time We make changes, We will notify you in this sense when accessing the Pago App and your express consent about accepting such Terms will be asked.

You may access, within the Pago App, the Terms in their latest version, at any moment.

13. The Limitation of liability

The Company makes constant efforts for keeping the Application running. Nevertheless, due to technical reasons or to some technical updates, it is possible that the Application does not work at certain times. In these situations, the Company will communicate to you these aspects, when you access the Application.

In any case, the Company does not assume the liability in any situation for any damage caused directly or indirectly or for any direct or indirect loss of profit, suffered as a result of the use or interruption of using the services offered by the Pago App.

The payments through the Pago App are processed according to the information from the notification displayed by the Application, after making the payment. Each payment is registered with the date of the day when the payment was made by you, irrespective of the date when the amount is collected by the recipient Agreed Supplier or by the Company (with regards to the Subscription Fees). The Company will not be liable for any prejudice or damage that might occur due to the delayed payments made through the Pago Application or following the inappropriate functioning of the Pago Application, due to objective circumstances.

The Pago Application makes available answers to frequent questions which may result from using the Application. At the same time, you may contact the Company at any time during the use of the Application to send questions about any aspect from the Application. In this context, the Company is not liable for the potential damages caused by the inappropriate use of the Pago App.

If Our Services are accessed through the BT Pay App, the liability for the provision and continuity of the Services rests entirely with Banca Transilvania S.A., regardless of whether the payments ordered from the BT Pay App are processed by Banca Transilvania S.A. or by Our Company. If you have questions about any aspects regarding the provision of the Services through the BT Pay App you shall contact Banca Transilvania S.A. directly.

14. Applicable law and dispute resolution

The Terms as well as any contractual obligation deriving from or in relation with them will be construed according to the Romanian laws. The Romanian courts have the exclusive jurisdiction for settling any litigation related to the use of the Pago App and of these Terms.

15. Third-party sites

The Pago App and the Site contain links to other websites, for whose content the Company is not liable. Accessing these websites is made according to the terms and conditions of each website. The Company is not liable for the content of these websites.

16. Intellectual property

The Company is the holder of all the rights over the content of the Pago Application and of the Site (including, but not limited to images, texts, trademarks, logo, web graphic elements, scripts, applications and databases). It is forbidden to use any content elements regarding the Pago Application and/or the Site, without the prior written consent of the Company.