Legal and Policies

Electronic money institution

Bit2Me euro account and card payment service provider

General information

PECUNIA CARDS EDE, SLU is an Electronic Money Institution supervised by the Bank of Spain and registered under number CSB 6707, whose commercial name is "PECUNPAY".

PECUNIA CARDS EDE, SLU is the issuer and manager of the card and Bit2Me payment account. If you have any problem related to the operation of the card, you can contact the payment service provider through the following email address: servicioatencioncliente@pecuniacards.es.

Please read the conditions of our payment service provider carefully.

GENERAL CONDITIONS OF THE CONTRACTING "CARD"

The general and particular conditions, which are detailed below, regulate the relationship between PECUNIA CARDS EDE, SLU (hereinafter "PECUNPAY"), domiciled at C / Guzmán El Bueno, no 133, Edificio América, Bajo B, 28003 - Madrid and the owner (hereinafter "HOLDER"), in relation to the financial services described therein.

1. General conditions

1.1. GENERAL CONDITIONS OF THE CONTRACTING

The parties agree that the clauses contained in this contract must be considered as general contracting conditions, for the purposes indicated in Law 7/1998, of April 13, on General Contracting Conditions.

PECUNPAY, as a predisponent, has expressly and previously informed the HOLDER, as an adherent, of the existence of the general conditions that are related in this document.

The HOLDER, declares that he knows the conditions, that he understands them and, consequently, accepts their incorporation into the contract.

The HOLDER declares that he acts in his own name and right and undertakes to provide PECUNPAY with the documentation, photographs and information that he may reasonably request to fulfill his regulatory obligations.

Once the OWNER has completed the above and has passed our internal checks, the card will be issued.

1.2. DURATION AND TERMINATION OF THE CONTRACT

This contract will have an indefinite duration, without prejudice to the expiration date on the cards issued, or any other means of payment, that PECUNPAY makes available to the HOLDER. Starting the relationship the day that PECUNPAY confirms that your service has been approved.

Except in the cases in which the HOLDER had contracted with PECUNPAY several products for the management of which it is necessary to keep a payment account open or in the cases determined by regulation, the HOLDER may, at any time, denounce the contract by notifying it in writing addressed to PECUNPAY, without prior notice. In this case, PECUNPAY will proceed to comply with the order for termination of the contract within 24 hours of receiving the HOLDER's request. PECUNPAY will proceed to reimburse the HOLDER for the remaining balance that it had, once the corresponding commissions and expenses have been applied until the resolution date.

The termination of the contract will be free for the HOLDER, unless the contract has been in force for less than six months.

PECUNPAY may terminate this Agreement by notifying the HOLDER with a minimum notice of sixty calendar days.

Notwithstanding the foregoing, PECUNPAY may terminate the contract, without prior notice, in the event of objectively justified reasons related to the security of the payment instrument, suspicion of unauthorized or fraudulent use of the same.

For the purposes of this contract it is understood by:

  • Resolution: The ineffectiveness of this contract. As a consequence of the breach of one of the parties, the right to request that the contract be annulled is born for the other, repairing the damages suffered.
  • Withdrawal: Power of one of the parties to withdraw the contract concluded, without the need to justify the decision.

1.3. WITHDRAWAL OF THE CONTRACT

THE HOLDER will have a period of 14 calendar days to withdraw from the contract, without indicating the reasons and without any penalty.

The term to exercise the right of withdrawal will start to run from the day of the conclusion of the contract.

However, if the consumer has not received the contractual conditions and the contractual information, the period to exercise the right of withdrawal will begin to count on the day on which he receives the aforementioned information.

THE HOLDER who exercises the right of withdrawal shall notify the supplier in the terms provided by the contract, before the end of the corresponding term, by a procedure that allows the notification to be recorded in any admitted way in right. The notification will be considered to have been made on time if it is made on a paper medium or on another durable medium, available and accessible to the recipient, and sent before the end of the term.

1.4. SUSPENSION

PECUNPAY may temporarily suspend the services provided, as well as any means of payment associated with them, as a result of the non-payment of the HOLDER, for security reasons, for lack of the requested documentation, or by the suspicion of unauthorized or fraudulent practices of the HOLDER.

When the causes that motivated the suspension disappear, it will proceed to reactivate the service or the means of payment.

1.5. MODIFICATION OF THE CONTRACT

PECUNPAY may modify the conditions established in this contract.

The modifications will be published on the PECUNPAY website and, in addition, Users will be informed by email at their corresponding email address. However, they will not be applicable until sixty calendar days have elapsed from the sending of the corresponding email.

If the new conditions are beneficial to the HOLDER, PECUNPAY may foresee its automatic application after its publication on the corporate website.

If the HOLDER, after knowing the new conditions, rejects them, he may denounce the contract thirty calendar days in advance, by notifying PECUNPAY in accordance with the provisions of section 1.7 of these general conditions. The denunciation, therefore, must be made prior to the application of the new conditions so that they are not applicable to you. The HOLDER shall be deemed to have accepted the modification of the conditions in question in the event that PECUNPAY is not notified of its non-acceptance prior to the proposed date of entry into force.

1.6. ECONOMIC CONDITIONS: FEES AND EXPENSES

The commissions and expenses set forth in the Particular Conditions that apply to each of the different products and services contracted will apply. Said commissions and expenses, for each of the different products and services, will be explicitly informed in the rate brochure related to each product and service that is in force at any given time.

1.7. NOTIFICATIONS

The communications, notifications and documentation that must be made under this Agreement will be made to the HOLDER at the address and / or email provided by him for this purpose.

The communications to be made by the holder will be made by mail to the address of Service to the Customer: atencionalcliente@pecuniacards.es.

The HOLDER undertakes to notify PECUNPAY of changes of address, email address and contact telephone number (s), through the means made available by PECUNPAY, for this purpose, or by updating it, having to bear any loss that occurs due to the sending of invalid, incorrect or inaccurate information.

1.8. CUSTOMER SERVICE

HOLDERS may make a complaint or claim to the PECUNPAY Customer Service. The document will be submitted via email to the following address: atencionalcliente@pecuniacards.es.

All in accordance with the provisions of the PECUNPAY Client Ombudsman Regulations, which is available to HOLDERS on the corporate website.

1.9. COMMUNICATIONS REGISTRY

The HOLDER authorizes PECUNPAY to record by recording, computer, electronic or other means, all the data, queries, circumstances of the contracts and operations that it carries out through any of the non-services face-to-face. The HOLDER may request a copy from PECUNPAY.

1.9.1. TREATMENT OF PERSONAL DATA

In compliance with Regulation (EU) 2016/679 of the European Parliament and of the Council, of April 27, 2016, regarding the protection of natural persons with regard to the processing of personal and free data circulation of these data, as well as Organic Law 3/2018, of December 5, on the Protection of Personal Data and guarantee of digital rights, the HOLDER accepts the incorporation of the personal data provided in this contract, or through your browsing, from the PECUNPAY web pages and, in general, those provided during the contractual relationship, to the PECUNPAY treatment activities for the fulfillment of the contractual relationship, the examination and verification of the data, for the preparation and management of loyalty programs, notification of any type of incident that may arise during the contractual relationship, communication of possible changes in the conditions ones of the contract and, in general, those that affect the use of the card, among other aspects, being entitled to do so based on the execution of the contract. Your data will be kept during the execution of this contract and, subsequently, until the prescription of possible legal responsibilities.

The HOLDER will be responsible for the veracity and accuracy of all the data provided to PECUNPAY.

The person in charge of the file is PECUNIA CARDS EDE, SLU

The HOLDER may exercise the rights of access, rectification, opposition, cancellation, revocation, limitation, portability and opposition to automated decisions by writing to PECUNPAY, with address at calle Guzmán el Bueno, 133, Edificio América, Bajo B, 28003, Madrid; or by mail to the following address: datos@pecuniacards.es

Your data may be disclosed to third parties. Specifically, to entities related to the financial sector and bank card processing entities. Said assignment is made for the purpose of operational management of our terminals, as well as to manage the operation of secure customer authentication. However, at any time, you can revoke your consent by writing to PECUNPAY.

PECUNPAY may verify the information provided by the HOLDER, assess its operations and check its solvency. For this, it will be empowered to collect, communicate, request and exchange information about the status of its accounts, other solvency files or Public records, with financial entities, credit evaluation and fraud prevention companies, as well as the Bank of Spain. PECUNPAY may consult them periodically. Such steps are necessary for PECUNPAY in order to carry out the pertinent consultations to fulfill its obligation of analysis in matters of fraud, prevention of money laundering and terrorist financing.

1.10. PREVENTION OF MONEY LAUNDERING AND TERRORISM FINANCING

The HOLDER is informed of the legal obligations enforceable from PECUNIA CARDS EDESLU ("PECUNPAY" hereinafter) regarding the prevention of money laundering and the financing of terrorism, concerning the identification of the HOLDER and the real ownership, shareholding structure or control in case the HOLDER is a legal person, economic, professional or business activities, origin of the funds, as well as the requirement to apply the due diligence measures established at all times by legislation in force, among others those related to knowledge and continuous monitoring of the business relationship.

Consequently, the HOLDER must supply, in a timely manner, all the information and documentation that may be required by PECUNIA at any time for the fulfillment of the aforementioned obligations.

In the event that the HOLDER is a natural person, and unless otherwise stated, the HOLDER expressly declares that he acts against PECUNPAY in his own name and right, recognizing, for all purposes, as the REAL HOLDER of your relationship with PECUNPAY.

For these purposes, in addition, the HOLDER expressly agrees to assume the following obligations, authorizations and measures derived from the application of the regulations on the prevention of money laundering and terrorist financing:

  1. The HOLDER authorizes PECUNPAY to request any entity –whether public or private- information about the identity or activity carried out by the HOLDER;
  2. The HOLDER must notify PECUNPAY without delay of any variation that occurs in its identification, in the identification of the real ownership, shareholding or control structure, as well as the economic, professional or business activities carried out;
  3. The HOLDER accepts that, in case of not duly attending to the requirements made by PECUNPAY for the fulfillment of the obligations established in the matter of prevention of money laundering and terrorist financing, or risks related to the regulations are appreciated reference, PECUNPAY may block the operation of the card / s and resolve the contractual relationship that binds the parties.

2. SPECIAL CONTRACTING CONDITIONS

2.1. CONCEPT

The PECUNPAY card, in its different forms, (hereinafter "card") is a prepaid MASTERCARD or VISA card, which allows the HOLDER to obtain professional goods and services in those establishments that accept MASTERCARD cards or VISA, and also have a Point of Sale Terminal (POS) device.

Likewise, this card allows the HOLDER to make purchases over the internet, as long as the website they access supports this means of payment, in which case, it will be subject to the conditions established therein.

The balance of the card will not accrue, in any case, interest or any other type of remuneration in favor of the HOLDER.

2.2. CARD OWNERSHIP

PECUNPAY holds ownership of the cards that it issues on a personal basis. Your HOLDER will be a natural or legal person, whose identity must appear on the card itself, except if the contracted product is a gift card, instant or virtual.

2.3. CARD ISSUE

The HOLDER authorizes PECUNPAY to issue a financial card linked to a payment account assigned in the name of the HOLDER, except if the contracted product is a gift card, instant or virtual.

The payment account is associated with the card and other electronic media, so that any operation, carried out through such means, will be reflected in the account.

If the HOLDER requests additional cards, each card will be associated with a new payment account. The request by the HOLDER of one or more additional cards will imply the consent of the same in relation to the charges that PECUNPAY makes in their payment account as a result of the transactions and provisions that are made with said additional cards.

2.4. VALIDITY OF THE CARDS

The card will have limited validity until the date that appears on it.

Completed the form and made the payment, and once it has passed our internal checks within an estimated period of 10 business days, the user will receive the card.

In the case of renewal of the card, upon its expiration date, a new card will be sent to the customer, thirty calendar days prior to that date, applying, in each case, the applicable renewal conditions in the particular conditions of it.

The renewed card will be issued with a new card number, which will maintain the same relationship with the original payment account and, therefore, will maintain its conditions of use and available balance in said account.

Notwithstanding the foregoing, PECUNPAY reserves the right to cancel or modify the validity date of the cards during their validity period, as well as not to renew them when they expire, THE HOLDER loses all rights related to its use.

2.5. OPERATIONS

The use of the card will be done in accordance with the instructions for use established by PECUNPAY in this contract and on its own website, without prejudice to the power that PECUNPAY has to modify such instructions for use. The modifications will be notified to the OWNER and will be published on the website corresponding to each product. They will be applied to the sixty calendar days of its publication, unless expressly indicated in each case.

Each operation will be registered by PECUNPAY and the HOLDER will be able to access such information through the web page corresponding to each product (section "customer area"), except if the contracted product were a gift card, instant or virtual, in which case the available balance of the card will be provided by the means established by PECUNPAY.

The validity of the disposition made will be presumed according to the invoice, receipt of the dataphone, electronic terminals for registration and / or authorization of operations, reading of your magnetic stripe or electronic chip or any other means of identification established in the conditions of use of the card, even when the display of your national identity document, Personal Identification Number or signature is not required. The same consequences will be applicable in the case of non-contact sales (Internet).

The effective use of the card will be presumed by the mere recording of the transaction in the PECUNPAY computer files.

The operations carried out by the HOLDER will be considered authorized when the latter has given consent through any of the established channels for the use of the means of payment contemplated in these general and particular conditions.

2.6. CARD LIMITS

For the use of the card by the HOLDER, the latter may establish a limit on the amount, beyond which it will not be available, without your express authorization. Likewise, the HOLDER may establish limits on the disposition of his card, either in each movement or for certain periods (days, weeks, months, years...).

The maximum total amount of the operations that can be carried out at any time will be determined by the amount available in the account, as well as by the cash disposal limits established in ATMs, the limits for transactions in shops and, likewise, the dispositions and cash income from the private network will be limited.

PECUNPAY reserves the right to block the use of a payment instrument for objectively justified reasons related to the security of the payment instrument, suspicion of unauthorized or fraudulent use of it.

2.7. PAYMENT ORDERS

The HOLDER expressly authorizes PECUNPAY to enter the transactions carried out by the HOLDER in the payment account when the HOLDER has consented to them. It will be understood that the HOLDER has consented to the operation, when it has been carried out through any of the channels provided by PECUNPAY, among which are any use of his card, card number or PIN, without restrictive character.

The payer may withdraw consent at any time prior to the irrevocability date referred to in articles 36 and 52 of Royal Decree-Law 19/2018, of November 23, on payment services and others urgent financial measures. However, if the HOLDER does not hold the status of consumer or micro-company in the terms specified in Royal Decree-Law 19/2018, of November 23, he may not withdraw consent.

Likewise, the HOLDERS accept that the payment account serves as an accounting support to carry out operations using any means of payment that is associated with it.

All those that are duly authorized by the HOLDERS of the same, or are in charge of any of them, will be accepted as debits of the account.

When a payment order is not executed or is executed defectively, PECUNPAY will act in accordance with the provisions of article 60 of Royal Decree-Law 19/2018, of November 23.

2.8. RECHARGES

The HOLDER must satisfy, in advance, the sufficient amount to the recharged amount. The cards may be recharged as many times as desired up to the limit assigned by the HOLDER, except if the contracted product is a gift card, instant, or virtual card, where a single recharge can be made.

The HOLDER may recharge the card through the following channels:

  1. From the BNEXT mobile app.
  2. By bank transfer.
  3. In cash, at the charging points enabled in PECUNPAY.
  4. Through any other procedure that could be established by PECUNPAY.

2.9. CASH DISPOSITION

The withdrawal of cash from the account will involve, on the one hand, the prior transformation of the electronic money from the account into cash and, on the other hand, the relevant entry in the HOLDER's payment account.

The payment account will not be able to reflect a negative balance derived from the operations carried out by the HOLDER, therefore it will be obliged to have a sufficient balance for each operation that it requests.

If for any reason (by way of example, but not limitation, a technical error attributable to PECUNPAY or any of its external providers) the HOLDER has a negative balance in his payment account, he agrees to immediately recharge the amount required to correct the negative balance. These amounts expire without prior notification. If it doesn't:

  1. PECUNPAY may exercise its right to compensation, which will entail the disposition of account balances or any other type of asset in the name of the HOLDER, whether derived from this contract or from any other legal relationship that unites the parties.
  2. PECUNPAY may initiate a chargeback procedure for any specific transaction that leads to a negative balance on your payment account;
  3. PECUNPAY may take debt collection measures that include, but are not limited to sending to a debt collection agency or attorney or filing the claim in court. PECUNPAY reserves the right to charge the HOLDER for the expenses that are reasonably incurred in relation to any debt collection or compliance efforts;
  4. If PECUNPAY requests that you complete a Surcharge to correct a negative balance and the HOLDER does not do so within 7 business days, you authorize to initiate a payment transaction for the amount of the negative balance (or the equivalent in another currency ) of one of your stored Cards or user Bank Accounts.

2.10. BALANCE INQUIRY

The HOLDER may check the available balance of the card from the BNEXT mobile app, as well as through the appropriate means when they are available, except if the contracted product is a gift card, instant or virtual, in which case it is provided by the means that PECUNPAY makes available to the client at any time.

No merchant or establishment will be able to inform you about the balance of your card.

2.11. IDENTITY VERIFICATION

THE HOLDER agrees to cooperate with all requests made by PECUNPAY or any of its external service providers on their behalf in relation to their Account, to identify or authenticate their identity or validate their sources of financing or transactions. This may include, among others, requesting additional information that allows PECUNPAY to reasonably identify you, including requiring you to take steps to confirm ownership of your phone number or payment instruments or verify your information against third-party databases. or through other sources.

PECUNPAY reserves the right to close, suspend or limit access to your Payment Account and / or to the Payment Services in the event that you are unable to obtain, verify such Information or do not comply with your requests. as established in the previous paragraph. PECUNPAY can confidentially verify the information provided by the OWNER or obtain information about it or through third parties from secure databases. The HOLDER confirms that he gives his consent to PECUNPAY or to a third party on his behalf to carry out such verifications.

THE HOLDER must ensure that the information in their account is always accurate and up-to-date. If at any time PECUNPAY believes that your information is outdated or inaccurate, you can contact the HOLDER and request more information or request that they go through the verification process again. PECUNPAY will not be responsible for any loss arising from its lack of maintenance of updated information.

2.12. MINORS OR PERSONS WITH LIMITED CAPABILITY TO WORK

Minors, persons subject to guardianship and, in general, those with limited capacity to act, must manifest this circumstance and, in turn, display the documentation that enables them to obtain the card.

PECUNPAY will not be responsible for the breach of this obligation to the extent that it has observed the legally required precautions to verify the identity and circumstances of the HOLDER.

2.13. USE ABROAD

For the debit of the sums derived from the use of the card abroad, the change to euros will be applied to the currency of the country of origin of the transaction corresponding to the day in which PECUNPAY has satisfied the amount of the operation.

The change to euros on the currency will be increased in the commissions that PECUNPAY has established for the operations carried out abroad.

The HOLDER will be subject to the current legislation that regulates the limits set by the competent monetary authorities for expenses abroad, as well as the exchange control regime, and on the declarations that he is obliged to perform. The HOLDER will be liable for the breach of said regulations, and no liability can be attributed to PECUNPAY. The expenses incurred, where appropriate, must be justified by the HOLDER before the authorities that require it, without any liability being attributed to PECUNPAY for the holder's breach.

2.14. PERSONAL IDENTIFICATION NUMBER (PIN)

With the issuance of the card, PECUNPAY will provide a Personal Identification Number (PIN), which the HOLDER, if applicable, can modify and which will be required in any use of the card by the provider of the good or service, in order to prove that it is its legitimate OWNER.

Said PIN will be requested by the HOLDER through the Bnext app or the website corresponding to each product, in the "customer area" section, except when the contracted product is a gift card, instant or virtual, in which case, it will be provided through the channels that PECUNPAY makes available to the client in each case.

If the unique identifier provided by the payment services user is incorrect, the provider will not be responsible for the non-execution or the faulty execution of the payment operation.

2.15. OBLIGATIONS OF THE HOLDER

The HOLDER agrees to:

  1. Comply with the conditions of use stipulated in this contract and, in general, use the payment instrument in accordance with the conditions governing its issuance and use.
  2. Accept as supporting documents of the operations those previously related, whether carried out by the HOLDER, or by third parties, with or without the authorization of the latter.
  3. Immediately notify PECUNPAY of any irregularity in the transaction records that appear to have been carried out with the card.
  4. Respond to the truth and keep your data updated.
  5. Comply, in due time and form, the requirements made by PECUNPAY.
  6. Sign the card immediately if there is a space enabled for this purpose.
  7. Guarantee the security of the use and disposition of the card, especially, keep the Personal Identification Number secret and, in general, any personalized security credential.
  8. Notify PECUNPAY, immediately, of the loss, loss, theft, misappropriation or forgery of the card through the phones on the card itself.
  9. Destroy or deliver to PECUNPAY the card that has expired or been replaced.

2.16. PECUNPAY OBLIGATIONS

PECUNPAY is obliged to:

  1. Cancel the expired cards, as well as those reported for having been destroyed, stolen or lost.
  2. Keep the Personal Identification Number secret.
  3. Inform the HOLDERS of the operation, the status of the accounts and statements, of the movements made through the card and resolve any doubts that may arise.
  4. Refrain from sending payment instruments that have not been requested, except in the case that a payment instrument already delivered to the user of payment services must be replaced.
    This substitution may be based on the incorporation into the payment instrument of new functionalities, not expressly requested by the HOLDER. This substitution will be made free of charge for the HOLDER.
  5. Ensure that adequate and free means are available at all times that allow the payment service user to make the communication in the event of loss, theft or misappropriation of the payment instrument or its unauthorized use.
  6. Ensure adequate and free means are available at all times that allow the payment service user to request the unlocking or replacement of the payment instrument, in the event that the reasons for blocking its use have ceased.
  7. Prevent any use of the payment instrument once the user has notified you of the loss, theft or unauthorized use of the payment instrument.

2.17. PECUNPAY DISCLAIMER

PECUNPAY will be exempt from liability with respect to those operations that, even being against the will of the payer, have been carried out as a consequence of an order received by PECUNPAY for whose authentication the established security requirements have been fulfilled.

The use of the PIN by a person other than the HOLDER presupposes gross negligence or, where appropriate, fraud by the same.

PECUNPAY, without prejudice to adopting the measures it deems appropriate, is exempt from liability in case of lack of attention to your card by any of the businesses, banks and savings banks committed to the sale of goods or provision of services, or for incidents technical or operational type in ATMs.

PECUNPAY will also remain oblivious to incidents and responsibilities that may arise from the operation carried out between the establishment and the CARDHOLDER of the card.

PECUNPAY excludes, from the scope of its application, the Visa Zero Liability Policy, subject to current European regulations on the matter.

The payer's liability regime will be applied in the event of unauthorized payment operations that, in each case, regulate the applicable legislation on the matter. Specifically, the HOLDER who does not have the status of consumer or micro-company in the terms established in Royal Decree-Law 19/2018, of November 23, on payment services and other urgent measures in financial matters, will be obliged to bear the losses derived from unauthorized payment operations resulting from the use of a lost, misappropriated or appropriated payment instrument by a third party, as long as it does not report the loss, theft or misappropriation of the payment instrument to PECUNPAY.

2.18. REFUNDS

PECUNPAY will reimburse, at any time, exclusively at the request of the HOLDER, the monetary value stored in your payment account. In any case, the HOLDER must send PECUNPAY a refund request together with the original of the card through the channels enabled for this purpose.

The electronic money, by default, will be reimbursed by issuing a new electronic money card, in accordance with the commission rate approved by PECUNPAY, in the name of the HOLDER, unless the latter indicates otherwise, in which case the HOLDER will assume the expenses generated as a consequence of redemption and accrued commissions.

In the cases in which the HOLDER requests the reimbursement of the same and this does not occur through the issuance of a new card, the issuer will receive a commission for reimbursement reflected in the particular conditions of each product, as well as any type of expenses generated as consequence of the processing and execution of the refund. The issuer may only receive said commissions when the contract determines an end date and the HOLDER has terminated the contract prior to said date.

Notwithstanding the foregoing, the payer will not have the right to a refund when:

  1. the payer has given his consent for the payment transaction to be executed directly to the payment service provider, and
  2. the payment service provider or the beneficiary have provided or made available to the payer, in the agreed form, information regarding the future payment operation at least four weeks before the scheduled date.

In addition, PECUNPAY will be excluded in the event of unauthorized payment operations, if the payment instrument is used anonymously or the payment service provider is unable, for other reasons intrinsic to the payment instrument itself, to demonstrate that the Payment operation has been authorized, following the provisions of article 34.2.a) of Law 19/2018.

Likewise, PECUNPAY would not have to demonstrate, in these cases, that the payments made have been made by an authentic order, if the payment instrument is used anonymously or the payment service provider is incapable, for other intrinsic reasons of the own payment instrument, to demonstrate that the payment operation has been authorized, as determined in article 34.2.b) of Law 19/2018.

2.19. PECUNPAY STATEMENTS

PECUNPAY is exclusively responsible for the veracity and accuracy of the information regarding the account statements managed by it and never for the information that any other company or third party outside PECUNPAY can provide to the HOLDER, by any means, in the event that there is discrepancies in the information requested.

3. APPLICABLE LAW AND SUBMISSION TO JURISDICTION

This Agreement will be interpreted and fulfilled in its own terms and, in what is not foreseen, it will be governed by the Spanish legislation on the matter, adjusting to it the obligations and responsibilities of the parties.

The parties submit to the jurisdiction of the Courts and Tribunals of Madrid for any question regarding the interpretation, fulfillment or execution of this Contract, expressly waiving any proper jurisdiction that may correspond to them, unless the HOLDER holds the status of consumer, in which case the rules on determination of competition regulated in current legislation will apply.

And in proof of conformity, the parties sign the present Contract for the Provision of Electronic Money Services.

4. TARIFFS/FARES

The rates that are applied in each case are reported at the time of contracting on the website https://www.pecunpay.es/soy-particular/ of the Electronic Money Entity PECUNIA CARDS E.D.E., S.L.U. company incorporated in Madrid, with registered office at calle Guzmán El Bueno, nº 133 - Edificio América - Bajo B - 28003 Madrid (Spain) and C.I.F. B86972346, the latter being applicable in case of contradiction, that the intervening parties declare to receive or know in this apt and accept.

"PECUNIA CARDS EDE, S.L.U." NIF: B86972346 Registered in the Madrid Mercantile Registry: T. 43345, F. 58, H. B, Inscription 1st Bank of Spain Registry: 6707

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