ValorPay Consumer Debit Card Terms

  1. Introduction

This Agreement contains the terms on which we provide the Services to you.

Please read this Agreement in full before you start using the Services; it contains important information about us, the Services we will provide to you, the circumstances under which this Agreement may be changed or ended, what to do and how to access help from us in the event there is a problem as well as other relevant information.

Please contact us at info@4payments.io if you wish to discuss

These additional documents are not part of the Framework Contract.

By starting to use the Services (including, for example, downloading the app, logging into your secure personal log in area on our website, loading your E-wallet with funds or otherwise using the Card to transact) you confirm that you accept and agree to this Agreement (including any updates to this Agreement and the other documents referred to above).

  1. Who we are and how to contact us

Our company information: ValorPay UAB is a company incorporated under the laws of Lithuania with registration number: 304881005. Our registered address is Konstitucijos pr. 7, LT-09308 Vilnius, the Republic of Lithuania (“ValorPay”, “us”, “we”, “our”, as applicable in the context).

We are authorised by the Bank of Lithuania: ValorPay UAB is authorised by the Bank of Lithuania (“BOL”) (licence code: 304881005) to issue electronic money and provide payment services.

How to contact us: You can contact us:

By email: support@valorpayonline.com

By writing to:

ValorPay UAB Reg. No. 304881005 Konstitucijos pr. 7, LT-09308 Vilnius, Lithuania

By instant messaging / chat: When logged into your secure personal log in area of our website

  1. Glossary

Card means the payment card issued by us to you that is connected to your E-wallet and may be used to transact.

E-wallet means an e-money account issued to you by us that you may load with funds and use to transact.

Framework Contract means a contract for payment services which governs the future execution of individual and successive payment transactions and which may contain the obligation and conditions for setting up a payment account as defined in the EU Payment Services Directive.

Funding Source means a payment instrument (such as a credit card, debit card or bank account) that you can link to your E-wallet by entering its credentials and subsequently use for Top-Ups from time to time.

Services means the Card, E-wallet and other services provided by us to you in connection with the Card and the E-wallet.

Supported Currencies means those foreign currencies that we support and can be loaded onto a E-wallet for spending.

Top-Up means loading “topping up” your E-wallet with funds.

  1. Getting started

  2. About the Card and E-wallet

  3. Accounting for service charges or tips when using the Card

  4. Shortfall

  5. Communicating with you

  6. Keeping your card safe

  7. How we will contact you if there is a problem

  8. Unauthorised or incorrectly executed transactions

  9. Refunds

  10. Our right to make changes to the Agreement

  11. Our right to suspend access to the Services and/or close the Card and E-wallet

  12. Closing your Card and ending this Agreement

  13. Redeeming the funds held in your E-wallet

  14. Liability

  15. Law governing this Agreement and jurisdiction

  16. Dispute resolution

  17. Data protection

  18. Other legal terms

  19. Third parties This Agreement is between you and us only. Except for any party to whom we transfer this Agreement (under section 22.1), nothing in the Agreement gives any third party any benefit or right (including any enforcement right).