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.
In this document, the words in capitals will have the following meanings:
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.
- 2.1. 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:
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.
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:
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:
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 email@example.com 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: firstname.lastname@example.org 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:
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.
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:
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:
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.
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:
Also, within the Pago App, you have access to the following features at any time:
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).
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:
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.
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:
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.
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.
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.
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:
- 8.2. Premium version
Using the Premium version of the Pago App, you have the possibility to:
- 8.3. Limitless version
Using the Limitless version of the Pago App, you have the possibility to:
- 8.4. Subscription Fee
Depending on which subscription is chosen from those indicated in Art. 8.2 or 8.3., you may need to pay a Subscription Fee, as follows:
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:
- 8.5. Discounted Subscription Fee
The Subscription Fee mentioned in Art. 8.4. shall be reduced with 20% from the value mentioned in this Article, as applicable, regardless of the version (Premium or Limitless) or the payment interval (annually or monthly), if the following conditions are cumulatively met by you, if you wish to benefit from the discounted Subscription Fee:
For the avoidance of doubt, if you wish to pay the discounted Subscription Fee according to this Article, for a monthly payment interval, you shall benefit from the discounted Subscription Fee for twelve (12) consecutive calendar months from the payment date of the first discounted Subscription Fee
You understand that you lose the right to pay a discounted Subscription Fee if, at any moment during the first twelve (12) consecutive calendar months from the first payment of the discounted Subscription Fee, you perform any of the following actions:
Following the intervention of any of the situations described above, you will lose the right to pay a discounted Subscription fee as defined in this Article.
The existence of a discounted Subscription Fee, according to these Terms, does not require the Company to offer a discounted Subscription Fee in other cases, the Company being free to decide on this aspect.
Any reference to a Subscription Fee in these Terms shall be considered to include a reference to a discounted Subscription Fee, unless otherwise stated.
The effective value of the discounted Subscription Fee will be displayed in the App prior to its payment. You understand and agree that this value may be different for each User and the Company has the exclusive right to decide on the effective value shown to each User.
- 8.5.1 New Subscription fee (starting on 15 December 2021, 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 15 December 2021; and (c) have not previously had access to a paid version of the App (whether Premium or Limitless) since becoming User according to these Terms.
If you fulfil the conditions mentioned in the above paragraph of Art. 8.5.1, based on the type of subscription chosen according to Art. 8.2 and 8.3., the applicable Subscription Fees will be as follows:
- 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. 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 Limitless 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. above.
When activating the Premium or Limitless 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 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.
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.
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:
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.
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:
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.
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.
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.
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.
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.
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.