General terms

 

Yakaygo's general terms anconditions are not translated in English. Please find below the French version: 

CONDITIONS GÉNÉRALES DE VENTE

Acceptation des Conditions générales

En validant la commande, vous acceptez la commande ainsi que l'intégralité des présentes Conditions Générales de Vente, sans réserve. Les données enregistrées par YAKAYGO font foi et constituent la preuve de l'ensemble des transactions passées. Vous acceptez par ailleurs les conditions générales de l'Offrant qui auraient pu vous être transmises, ces dernières venant compléter les présentes conditions.

 

Système de Réservation d’Activités de Loisirs en ligne

YAKAYGO est un site spécialisé vous offrant la possibilité de réserver, directement via ses sites Internet, des Activités de Loisirs mises en place par des Offrants.

YAKAYGO n'est qu'un simple intermédiaire agissant en vertu d'un contrat c'est à dire que YAKAYGO agit en son propre nom mais pour le compte de ces Offrants.

Par conséquent, YAKAYGO n'agit qu'au stade de la commercialisation des Activités de Loisirs sans intervenir de quelque manière que ce soit au niveau de l'organisation de l’activité elle-même.

Les Offrants restent donc pleinement responsables du déroulement des Activités. Les réservations sont effectuées en temps réel sur les serveurs de YAKAYGO en fonction des données de paramétrage de l'Activité fournies par l'Offrant.

Dans ce cadre, vous êtes informé en temps réel de la disponibilité des Activités de Loisirs.

 

Prix des Activités de Loisirs

Les prix des Activités de Loisirs sont indiqués avec mention de la devise et Toutes Taxes Comprises incluant les frais de location de la Plateforme, et, le cas échéant, les frais de gestion

Toutes les commandes quelle que soit leur origine, sont uniquement payables dans la devise indiquée pendant le processus de commande.

Une Activité de Loisirs ne peut être ni repris, ni échangé, ni remboursé en dehors des conditions d’annulation prévues à l’article – Conditions d’annulation. Une Activité de Loisirs ne pourra, en dehors de ces conditions, faire l'objet d'un remboursement qu'en cas d'annulation de l'Activité de Loisirs et par décision de l'Offrant.

YAKAYGO se réserve le droit de modifier ses prix à tout moment mais les produits seront facturés sur la base des tarifs en vigueur au moment de l'enregistrement des commandes.

 

Politique d’annulation

YAKAYGO propose deux possibilités d’annulation :

Annulation « Stricte »

Si le demandeur annule < 7 jours, alors 0% lui seront remboursés

Si le demandeur annule > 7 jours, alors 80% lui seront remboursés

Annulation « Relax »

Si demandeur annule < 1 jours, alors 50% lui seront remboursés
Si demandeur annule > 1 jours, alors 100% lui seront remboursés

 

Disponibilité des Activités de Loisirs

Vous êtes informés, en temps réel, lors de la passation de la commande, de la disponibilité des Activités de Loisirs souhaitées.

Si le nombre de participants pour une Activité de Loisirs que vous demandiez était supérieur au nombre de places disponibles, vous en seriez informés par YAKAYGO et vous pourrez choisir une autre date pour votre Activité.

En toute hypothèse, vous pourrez vérifier l'adéquation de la commande avec vos souhaits au moment de la validation de la commande.

 

Paiements

Pour les commandes d’Activités de Loisirs, vous devez effectuer vos paiements par carte bancaire directement sur les Sites de YAKAYGO. YAKAYGO accepte les paiements des cartes bancaires provenant des réseaux CARTE BLEUE / VISA et EUROCARD / MASTERCARD ainsi que d'autres éventuels réseaux mentionnés lors de l'étape de paiement.

Votre compte bancaire sera débité du montant de la commande, dès la validation finale de la transaction dans le cas d'un Paiement sécurisé CB, à l’exception du cas où vous seriez en débit différé auquel cas ce débit sera effectif sur votre compte bancaire en fin de mois.

Un justificatif de commande vous seront automatiquement adressés par e-mail dès que le paiement aura été enregistré.

Pour être valable, la réservation ne doit pas avoir fait l'objet d'une opposition ou d'un impayé sur la carte bancaire utilisée pour la commande, auquel cas, vous ne pourrez alors pas accéder à l'Activité de Loisirs.

 

Sécurisation des paiements

YAKAYGO use de l'ensemble des technologies raisonnablement admissibles afin de conférer à son système de paiement en ligne la plus grande fiabilité. La confidentialité des informations bancaires est garantie et sécurisée par le protocole SSL qui contrôle systématiquement la validité des droits d'accès lors du paiement par carte bancaire et crypte tous les échanges.

Pour lesdits paiements, YAKAYGO utilise la solution de paiement de MAGOPAY.

 

Billet électronique

Dès confirmation de votre commande, vous recevrez par voie électronique un e-mail contenant le Billet numérique (dans le corps du message ou en pièce jointe) à imprimer à domicile sur papier A4 (ou autre – à vous de choisir).

En cas de perte, de vol ou de duplication d'un Billet valide, seule la première personne détentrice du Billet pourra accéder à l'Activité de Loisirs. Vous demeurez responsable de l'utilisation qui est faite de votre Billet.

 

Conditions d'impression et validité du Billet

Ce Billet est uniquement valable s'il est imprimé sur du papier A4 (ou autre – à vous de choisir) blanc vierge, recto et verso. Le format d'impression ne doit pas avoir été modifié, l'impression doit être de bonne qualité et toutes les informations contenues sur le Billet doivent être lisibles. L'impression peut être réalisée en noir et blanc ou en couleur.

Les Activités de Loisirs partiellement imprimés, souillés, endommagés ou illisibles ne seront pas acceptés et considérés de fait comme non valables.

L'Offrant peut par ailleurs accepter d'autres modes de présentation du Billet : téléphone portable, tablette … Ces possibilités peuvent-être présentées, le cas échéant, pendant le processus de commande.

 

Utilisation et validité du Billet

Le Billet n'est ni échangeable, ni remboursable en dehors des conditions prévues à l’article – Conditions d’annulation.

Il vous est personnel et est incessible, sauf autorisation expresse de l'Offrant. Il est possible que l'Offrant n'ait pas souhaité rendre nominatif chacune des Activités de Loisirs, auquel cas ceux-ci comportent exclusivement la même identité, à savoir celle de l'acheteur renseignée lors de la commande.

En toute hypothèse, le Billet pour l’Activité de Loisirs ne saurait être vendu pour une valeur faciale supérieure à celle indiquée sur le Billet. YAKAYGO se réserve la possibilité d'engager toute poursuite contre les Acheteurs qui offriraient à la vente des Activités de Loisirs pour un prix supérieur à leur valeur faciale.

Le Billet est uniquement valable pour le lieu, la date et l'heure précis de l'Activité de Loisirs. Passée l'heure du début, l'accès à l'Activité de Loisirs n'est plus garanti : en cette hypothèse, vous n'aurez droit à aucun remboursement. Il vous est conseillé d'arriver avant le début de l'Activité de Loisirs, selon les préconisations de l’Offrant.

Certains des horaires indiqués par l'Offrant peuvent être des délais de rigueur sans tolérance de retard à l'entrée.

 

Contrôle des Activités de Loisirs et accès à l'Evénement

L'Offrant a la responsabilité d'assurer le contrôle des Activités de Loisirs sauf à avoir délégué cette mission à un tiers.

Pour les Activités de Loisirs nominatifs, l'Offrant a toujours la possibilité de contrôler votre identité à l'entrée du lieu où se déroule l'Activité de Loisirs. Vous devrez ainsi être muni d'une pièce d'identité officielle en cours de validité et comprenant une photo si vous souhaitez accéder à l'Activité de Loisirs.

L'Offrant peut lors du paramétrage de l'Activité de Loisirs indiquer d'éventuels autres justificatifs à présenter à l'entrée du lieu où se déroule l'Activité de Loisirs. En ce cas, nous vous en informerons préalablement à l'Activité de Loisirs et l'Offrant pourra solliciter la présentation desdits justificatifs.

Il est rappelé que l'Offrant n'est pas obligé de vérifier l'identité de la personne en possession du Billet imprimable à domicile, ni de vérifier l'authenticité du Billet imprimable à domicile dans la mesure où la copie du Billet imprimable à domicile ne peut être détectée de manière certaine. Aussi, il est rappelé que vous êtes responsable de la conservation de votre Billet et que l'accès à l’Activité de Loisirs pourra vous être refusé quand bien même votre nom figure sur le Billet.

 

Fraude

Il est strictement interdit de reproduire, dupliquer ou contrefaire un Billet de quelque manière que ce soit. La personne qui a reproduit le Billet et l'utilisateur de la copie du Billet sont passibles de poursuites. En cas de perte ou de vol, YAKAYGO décline toute responsabilité en cas d'utilisation illicite du Billet.

 

Délai de rétractation, annulation et remboursement

Conformément à l'article L 121-20-4 du code de la consommation, les Activités de Loisirs ne font pas l'objet d'un droit de rétractation. Toute commande est ferme et définitive. Vous serez informé de l'éventuelle annulation de l’Activité de Loisirs, de son report ou de sa modification substantielle par YAKAYGO lorsque YAKAYGO en aura été informé par l'Offrant.

Ne pourra être remboursé que l'acheteur qui a passé la commande sur le site de YAKAYGO et dont le nom apparaît sur le Billet.

Votre remboursement, à l'exclusion des réservations via le Paiement hors ligne, ne sera effectué par YAKAYGO et pour le compte de l'Offrant seulement si YAKAYGO est en possession de sommes revenant à l'Offrant. Le remboursement ne pourra par ailleurs intervenir que :

  • Si l'Offrant a sollicité volontairement le remboursement des acheteurs,
  • Ou si l'Offrant a accepté la demande de remboursement des acheteurs,
  • Ou si YAKAYGO y est légalement tenu.

En achetant un Billet sur le site YAKAYGO, vous acceptez expressément renoncer à tout recours contre la société YAKAYGO aux fins de remboursement. YAKAYGO fera cependant tout son possible pour vous permettre de vous faire rembourser auprès de l'Offrant.

Il est rappelé que toute décision d'annulation, de report ou de modification d'un Activité de Loisirs ressort de la responsabilité de l'Offrant – en dehors des conditions d’annulation prévues par YAKAYGO- et que YAKAYGO ne saurait se substituer à ce dernier.

 

Comportement à adopter lors de l'Activité de Loisirs

Vous devrez respecter les consignes de l'Offrant lorsque vous serez sur le lieu de l'Activité de Loisirs.

Le Règlement Intérieur de l'Activité de Loisirs sera consultable, soit directement sur le site de l'Offrant, soit avant l'accès à l'Activité de Loisirs, soit suite à sa transmission par l'Offrant par e-mail et préalablement à l'Evénement.

Sauf circonstances particulières prévues par l’Offrant, il est interdit de photographier, de filmer ou d'enregistrer lors de l'Activité de Loisirs.

 

Responsabilité - Droit applicable

Conformément à la loi n°2004-575 du 21 juin 2004, article L 121-20-3 du code de la consommation, YAKAYGO est responsable de plein droit à l'égard du consommateur de la bonne exécution des obligations résultant du contrat conclu à distance. A ce titre, YAKAYGO est responsable envers vous de la bonne transmission du Billet et le cas échéant de la bonne exécution du paiement.

YAKAYGO ne saurait toutefois être tenu pour responsable du bon déroulement de l'Activité de Loisirs et de la bonne exécution des obligations de l'Offrant concernant notamment le respect des règles d'hygiène et de sécurité.

YAKAYGO n'agit en effet que pour le compte de l'Offrant, dans le cadre de la commercialisation des Activités de Loisirs.

Les ventes d’Activités de Loisirs visées aux présentes sont soumises à la loi française.

En cas de litiges les tribunaux Français sont seuls compétents.

De manière générale, les Evénements se déroulent sous la seule responsabilité de l'Offrant. En effet, YAKAYGO agit pour le compte de l'Offrant dans le cadre restreint de la commercialisation des Activités de Loisirs. La responsabilité de YAKAYGO ne saurait être engagée pour les motifs qui ne ressortent pas de sa compétence, savoir notamment :

  • L'annulation de l'Activité de Loisirs,
  • La modification de l'Activité de Loisirs par l'Offrant,
  • Le report de l'Activité de Loisirs,
  • Et d'une manière générale, tout incident qui pourrait se dérouler pendant l'Activité de Loisirs.

 

Données personnelles

Les données personnelles que vous nous communiquez ne le sont qu'afin de permettre la réalisation de la transaction. Ces informations nous permettent également de vous transmettre le ou les Activités de Loisirs que vous avez commandés et éventuellement de vous contacter, dans la mesure du possible, en cas d'annulation ou de modification de date, d'horaire ou de lieu d'une Activité de Loisirs pour lequel vous seriez inscrit.

Vous disposez à tout moment d'un droit d'accès et de rectification des données vous concernant (art.34 de la loi " Informatique et Liberté " du 6 Janvier 1978). Il suffit d'en faire la demande par courrier à : YAKAYGO – 1 avenue du champ de mars – 45 000 Orléans.

Le site Internet www.yakaygo.com est enregistré auprès de la CNIL et dispose du n° d'enregistrement suivant : 2082811 (consultable sur le site www.cnil.fr).

En acceptant les présentes conditions de vente, vous autorisez expressément la société YAKAYGO à vous adresser ses lettres d'information, par SMS ou par courrier électronique. Si vous refusez ou si vous souhaitez ultérieurement ne plus recevoir d'informations de YAKAYGO, vous pouvez en faire la demande par courrier à : YAKAYGO – 1 avenue du champ de mars – 45 000 Orléans.

Vous pourrez aussi vous opposer à l'utilisation de vos coordonnées chaque fois qu'une offre vous sera faite par YAKAYGO.

En validant votre commande, vous acceptez que YAKAYGO transmette vos données personnelles à l'Offrant. Il est rappelé que c'est l'Offrant qui renseigne YAKAYGO relativement aux données qu'il entend obtenir. Toute acceptation de commande emporte donc reconnaissance de la transmission des informations fournies à l'Offrant. Conformément aux dispositions légales, la transmission de données est rendue nécessaire pour la bonne exécution du contrat vous liant à l'Offrant. A ce titre, YAKAYGO ne saurait être tenu pour responsable de toute utilisation qui pourrait être faite de ces données.

Conformément à la loi "Informatique et Libertés", le traitement de vos informations fait l'objet d'une déclaration auprès de la Commission Nationale de l'Informatique et des Libertés (CNIL) sous le numéro de déclaration 1291474. Vous avez un droit permanent d'accès et de rectification sur toutes les données vous concernant, conformément aux textes européens et aux lois nationales en vigueur (article 34 de la loi du 6 janvier 1978).

Il suffit d'en faire la demande par courrier à :

YAKAYGO – 1 avenue du champ de mars – 45 000 Orléans.

 

Service client de YAKAYGO

Pour toute information ou question, le Service Client de YAKAYGO est à votre disposition.

Vous trouverez les coordonnées de YAKAYGO dans la partie « Contact » disponible sur le site Internet www.yakaygo.com.CONDITIONS GENERALES D'UTILISATION DE YAKAYGO.COM

Le présent document a pour objet de définir les modalités et conditions dans lesquelles d’une part, YAKAYGO, ci-après dénommé l’EDITEUR, met à la disposition de ses utilisateurs le site, et les services disponibles sur le site et d’autre part, la manière par laquelle l’utilisateur accède au site et utilise ses services.

Toute connexion au site est subordonnée au respect des présentes conditions.

Pour l’utilisateur, le simple accès au site de l’EDITEUR à l’adresse URL suivante «www.yakaygo.com» implique l’acceptation de l’ensemble des conditions décrites ci-après.

Ces conditions d’utilisation sont susceptibles d’être modifiées ou complétées à tout moment, les utilisateurs du site www.yakaygo.com sont donc invités à les consulter de manière régulière.

 

Ce site est normalement accessible à tout moment aux utilisateurs. Une interruption pour raison de maintenance technique peut être toutefois décidée par www.yakaygo.com, qui s’efforcera alors de communiquer préalablement aux utilisateurs les dates et heures de l’intervention.

 

Le site www.yakaygo.com est mis à jour régulièrement par YAKAYGO De la même façon, les mentions légales peuvent être modifiées à tout moment : elles s’imposent néanmoins à l’utilisateur qui est invité à s’y référer le plus souvent possible afin d’en prendre connaissance.

 

Lexique

Utilisateur : Internaute se connectant, utilisant le site susnommé.

Informations personnelles : « les informations qui permettent, sous quelque forme que ce soit, directement ou non, l’identification des personnes physiques auxquelles elles s’appliquent » (article 4 de la loi n° ; 78-17 du 6 janvier 1978).

 

Modification des conditions d’utilisation

L’EDITEUR se réserve la possibilité de modifier, à tout moment et sans préavis, les présentes conditions d’utilisation afin de les adapter aux évolutions du site et/ou de son exploitation.

 

Règles d'usage d'Internet

L’utilisateur déclare accepter les caractéristiques et les limites d’Internet, et notamment reconnaît que l’EDITEUR n’assume aucune responsabilité sur les services accessibles par Internet et n’exerce aucun contrôle de quelque forme que ce soit sur la nature et les caractéristiques des données qui pourraient transiter par l’intermédiaire de son centre serveur.

L’utilisateur reconnaît que les données circulant sur Internet ne sont pas protégées notamment contre les détournements éventuels. La présence du logo de YAKAYGO institue une présomption simple de validité. La communication de toute information jugée par l’utilisateur de nature sensible ou confidentielle se fait à ses risques et périls.

L’utilisateur reconnaît que les données circulant sur Internet peuvent être réglementées en termes d’usage ou être protégées par un droit de propriété.

L’utilisateur est seul responsable de l’usage des données qu’il consulte, interroge et transfère sur Internet.

L’utilisateur reconnaît que l’EDITEUR ne dispose d’aucun moyen de contrôle sur le contenu des services accessibles sur Internet.

 

Description des services fournis

Le site www.yakaygo.com a pour objet de fournir une information concernant l’ensemble des activités de la société.

 

YAKAYGO s’efforce de fournir sur le site www.yakaygo.com des informations aussi précises que possible. Toutefois, elle ne pourra être tenue responsable des omissions, des inexactitudes et des carences dans la mise à jour, qu’elles soient de son fait ou du fait des tiers partenaires qui lui fournissent ces informations.

Toutes les informations indiquées sur le site www.yakaygo.com sont données à titre indicatif, et sont susceptibles d’évoluer. Par ailleurs, les renseignements figurant sur le site www.yakaygo.com ne sont pas exhaustifs. Ils sont donnés sous réserve de modifications ayant été apportées depuis leur mise en ligne.

 

Création du compte

Pour effectuer des achats sur l'Espace Réservé d’Editeur, l’utilisateur doit, au préalable, procéder à la création d'un compte utilisateur à partir du Site Portail. Celui-ci doit être créé exclusivement à partir de ce Site Portail. En cas de problème, l’utilisateur a la possibilité de se reporter à la page d'aide (FAQ). Pour créer son compte, l’utilisateur doit renseigner, d'une part son adresse électronique et un mot de passe. Ces éléments sont confidentiels. L’utilisateur sera seul responsable des conséquences de l'utilisation de son compte, et ce jusqu'à la désactivation de celui-ci. D'autre part, des renseignements seront demandés à l’utilisateur pour poursuivre son inscription (civilité, prénom, nom, date de naissance, numéro de téléphone, adresse de facturation le cas échéant). L’utilisateur s'engage à fournir des informations véritables et sincères et à informer l’Editeur de tout changement les concernant via la rubrique " mon compte ". Un récapitulatif des informations fournies est présenté au Utilisateur et un courrier électronique reprenant les informations lui est envoyé. Ces informations sont nécessaires à la gestion des commandes et à la relation commerciale entre l’Editeur et l’utilisateur. En conséquence, le défaut de fourniture des informations sollicitées équivaut à renoncer à la création d'un compte.

 

Désactivation du compte

En cas de non-respect des Conditions Générales de Vente par l’utilisateur, le Site Portail se réserve la faculté de désactiver, de plein droit et sans indemnité, le compte de l’utilisateur sans avoir à respecter de préavis, après l'envoi d'un courrier électronique ou d'une lettre recommandée avec avis de réception de mise en demeure, resté sans effet pendant plus de 30 jours.

Néanmoins, il est précisé que dans le cas d'un manquement ou d'une fraude manifeste et significatif(ve) de la part d'un utilisateur, la désactivation du compte se fera de plein droit, sans préavis, sans formalité et sans indemnité.

L’utilisateur qui souhaite désactiver son compte le fera par courrier électronique ou lettre recommandée avec avis de réception adressée au Service Client. La désactivation du compte sera réalisée dans un délai maximum de 7 jours à compter de la réception de ce courrier.

 

Limitations contractuelles sur les données techniques

Le site utilise la technologie HTML, CSS et le JavaScript.

Le site Internet ne pourra être tenu responsable de dommages matériels liés à l’utilisation du site. De plus, l’utilisateur du site s’engage à accéder au site en utilisant un matériel récent, ne contenant pas de virus et avec un navigateur de dernière génération mis-à-jour.

 

Propriété intellectuelle

La structure générale du site www.yakaygo.com, ainsi que les textes, graphiques, images, sons et  vidéos la composant, sont la propriété de l'ÉDITEUR ou de ses partenaires. Toute représentation et/ou reproduction et/ou exploitation partielle ou totale des contenus et services proposés par le site «www.yakaygo.com», par quelque procédé que ce soit, sans l'autorisation préalable et par écrit de  YAKAYGO et/ou de ses partenaires est strictement interdite et serait susceptible de constituer une contrefaçon au sens des articles L 335-2 et suivants du Code de la propriété intellectuelle.

La marque "YAKAYGO" est une marque déposée par SAS LA MARBOUESIENNE Toute représentation et/ou reproduction et/ou exploitation partielle ou totale de ces marques, de quelque nature que ce soit, est totalement prohibée.

Toute exploitation non autorisée du site ou de l’un quelconque des éléments qu’il contient sera considérée comme constitutive d’une contrefaçon et poursuivie conformément aux dispositions des articles L.335-2 et suivants du Code de Propriété Intellectuelle. 

Aussi, tous les éléments de ce site, y compris les documents téléchargeables, constituent des bases de données et sont de la propriété de Y A ce titre, toute extraction et/ou réutilisation de la ou des bases de données au sens des articles L 342-1 et L 342-2 du code de la propriété intellectuelle est interdite et pourra faire l’objet d’une action judicaire afin d’obtenir reconnaissance de ce droit et réparation du dommage ainsi constitué. 

 

Liens hypertextes

Le site «www.yakaygo.com» peut contenir des liens hypertextes vers d’autres sites présents sur le réseau Internet. Les liens vers ces autres ressources vous font quitter le site «www.yakaygo.com»

Il est possible de créer un lien vers la page de présentation de ce site sans autorisation expresse de l’EDITEUR. Aucune autorisation ou demande d’information préalable ne peut être exigée par l’éditeur à l’égard d’un site qui souhaite établir un lien vers le site de l’éditeur. Il convient toutefois d’afficher ce site dans une nouvelle fenêtre du navigateur. Cependant, l’EDITEUR se réserve le droit de demander la suppression d’un lien qu’il estime non conforme à l’objet du site Yakaygo.com.

Le site «www.yakaygo.com» contient un certain nombre de liens hypertextes vers d’autres sites, mis en place avec l’autorisation de YAKAYGO Cependant, YAKAYGO n’a pas la possibilité de vérifier le contenu des sites ainsi visités, et n’assumera en conséquence aucune responsabilité de ce fait.

La navigation sur le site www.yakaygo.com est susceptible de provoquer l’installation de cookie(s) sur l’ordinateur de l’utilisateur. Un cookie est un fichier de petite taille, qui ne permet pas l’identification de l’utilisateur, mais qui enregistre des informations relatives à la navigation d’un ordinateur sur un site. Les données ainsi obtenues visent à faciliter la navigation ultérieure sur le site, et ont également vocation à permettre diverses mesures de fréquentation.

Le refus d’installation d’un cookie peut entraîner l’impossibilité d’accéder à certains services. L’utilisateur peut toutefois configurer son ordinateur de la manière suivante, pour refuser l’installation des cookies :

Sous Internet Explorer : onglet outil / options internet. Cliquez sur Confidentialité et choisissez Bloquer tous les cookies. Validez sur Ok.

Sous Netscape : onglet édition / préférences. Cliquez sur Avancées et choisissez Désactiver les cookies. Validez sur Ok.

 

Responsabilité de l’éditeur

Les informations et/ou documents figurant sur ce site et/ou accessibles par ce site proviennent de sources considérées comme étant fiables.

Toutefois, ces informations et/ou documents sont susceptibles de contenir des inexactitudes techniques et des erreurs typographiques.

L’EDITEUR se réserve le droit de les corriger, dès que ces erreurs sont portées à sa connaissance.

Il est fortement recommandé de vérifier l’exactitude et la pertinence des informations et/ou documents mis à disposition sur ce site.

Les informations et/ou documents disponibles sur ce site sont susceptibles d’être modifiés à tout moment, et peuvent avoir fait l’objet de mises à jour. En particulier, ils peuvent avoir fait l’objet d’une mise à jour entre le moment de leur téléchargement et celui où l’utilisateur en prend connaissance.

L’utilisation des informations et/ou documents disponibles sur ce site se fait sous l’entière et seule responsabilité de l’utilisateur, qui assume la totalité des conséquences pouvant en découler, sans que l’EDITEUR puisse être recherché à ce titre, et sans recours contre ce dernier.

L’EDITEUR ne pourra en aucun cas être tenu responsable de tout dommage de quelque nature qu’il soit résultant de l’interprétation ou de l’utilisation des informations et/ou documents disponibles sur ce site.

 

Limitations de responsabilité

YAKAYGO ne pourra être tenue responsable des dommages directs et indirects causés au matériel de l’utilisateur, lors de l’accès au site www.yakaygo.com et résultant soit de l’utilisation d’un matériel ne répondant pas aux spécifications indiquées ci-dessus, soit de l’apparition d’un bug ou d’une incompatibilité.

YAKAYGO ne pourra également pas être tenue responsable des dommages indirects (tels par exemple qu’une perte de marché ou perte d’une chance) consécutifs à l’utilisation du site www.yakaygo.com.

Des espaces interactifs (possibilité de poser des questions dans l’espace contact) sont à la disposition des utilisateurs. YAKAYGO se réserve le droit de supprimer, sans mise en demeure préalable, tout contenu déposé dans cet espace qui contreviendrait à la législation applicable en France, en particulier aux dispositions relatives à la protection des données. Le cas échéant, YAKAYGO  se réserve également la possibilité de mettre en cause la responsabilité civile et/ou pénale de l’utilisateur, notamment en cas de message à caractère raciste, injurieux, diffamant, ou pornographique, quel que soit le support utilisé (texte, photographie…).

 

Accès au site

L’éditeur s’efforce de permettre l’accès au site 24 heures sur 24, 7 jours sur 7, sauf en cas de force majeure ou d’un événement hors du contrôle de l’EDITEUR, et sous réserve des éventuelles pannes et interventions de maintenance nécessaires au bon fonctionnement du site et des services.

Par conséquent, l’EDITEUR ne peut garantir une disponibilité du site et/ou des services, une fiabilité des transmissions et des performances en terme de temps de réponse ou de qualité. Il n’est prévu aucune assistance technique vis à vis de l’utilisateur que ce soit par des moyens électronique ou téléphonique.

La responsabilité de l’éditeur ne saurait être engagée en cas d’impossibilité d’accès à ce site et/ou d’utilisation des services.

 

Par ailleurs, l’EDITEUR peut être amené à interrompre le site ou une partie des services, à tout moment sans préavis, le tout sans droit à indemnités. L’utilisateur reconnaît et accepte que l’EDITEUR ne soit pas responsable des interruptions, et des conséquences qui peuvent en découler pour l’utilisateur ou tout tiers.

 

Gestion des données personnelles

En France, les données personnelles sont notamment protégées par la loi n° ; 78-87 du 6 janvier 1978, la loi n° ; 2004-801 du 6 août 2004, l’article L. 226-13 du Code pénal et la Directive Européenne du 24 octobre 1995.

A l’occasion de l’utilisation du site www.yakaygo.com peuvent êtres recueillies : l’URL des liens par l’intermédiaire desquels l’utilisateur a accédé au site www.yakaygo.com le fournisseur d’accès de l’utilisateur, l’adresse de protocole Internet (IP) de l’utilisateur.

En tout état de cause YAKAYGO ne collecte des informations personnelles relatives à l’utilisateur que pour le besoin de certains services proposés par le site www.yakaygo.com. L’utilisateur fournit ces informations en toute connaissance de cause, notamment lorsqu’il procède par lui-même à leur saisie. Il est alors précisé à l’utilisateur du site www.yakaygo.com l’obligation ou non de fournir ces informations.

Conformément aux dispositions des articles 38 et suivants de la loi 78-17 du 6 janvier 1978 relative à l’informatique, aux fichiers et aux libertés, tout utilisateur dispose d’un droit d’accès, de rectification et d’opposition aux données personnelles le concernant, en effectuant sa demande écrite et signée, accompagnée d’une copie du titre d’identité avec signature du titulaire de la pièce, en précisant l’adresse à laquelle la réponse doit être envoyée.

Aucune information personnelle de l’utilisateur du site www.yakaygo.com n’est publiée à l’insu de l’utilisateur, échangée, transférée, cédée ou vendue sur un support quelconque à des tiers. Seule l’hypothèse du rachat de YAKAYGO et de ses droits permettrait la transmission des dites informations à l’éventuel acquéreur qui serait à son tour tenu de la même obligation de conservation et de modification des données vis à vis de l’utilisateur du site www.yakaygo.com.

Le site est déclaré à la CNIL sous le numéro ………………

Les bases de données sont protégées par les dispositions de la loi du 1er juillet 1998 transposant la directive 96/9 du 11 mars 1996 relative à la protection juridique des bases de données.

 

Droit applicable

Tant le présent site que les modalités et conditions de son utilisation sont régis par le droit français, quel que soit le lieu d’utilisation. En cas de contestation éventuelle, et après l’échec de toute tentative de recherche d’une solution amiable, les tribunaux français d’Orléans seront seuls compétents pour connaître de ce litige.

Pour toute question relative aux présentes conditions d’utilisation du site, vous pouvez nous écrire à l’adresse suivante : « YAKAYGO, 1 avenue du champ de mars, 45000 Orléans »

 

MANGOPAY PAYMENT SERVICES FRAMEWORK CONTRACT

General Conditions of Use for the Payment Services

(version for France)

Version of 18 May 2018

Entered into between:


The client, a legal or physical person registered in the Business and Companies Registry (or a national business registry or any other equivalent professional organisation) in a Member State of the European Union or in a State that is part of the European Economic Area, or in a third-party country imposing equivalent obligations in terms of the fight against money laundering and the financing of terrorism, acting exclusively on their own behalf for professional purposes (commercial, industrial, artisanal or independent),

hereinafter, referred to as the “Account Holder” or “Professional Account Holder”,

or

The client, a legal or physical person resigning in a Member State of the European Union or in a State that is part of the European Economic Area, or in a third-party country imposing equivalent obligations in terms of the fight against money laundering and the financing of terrorism, acting exclusively on their own behalf for non-professional purposes,

 

hereinafter, referred to as the “Account Holder” or “Consumer Account Holder”, party of the first part,

and,

MANGOPAY SA a société anonyme [joint-stock company] governed by Luxembourg law, with capital of 2,000,000 euros, the registered office of which is located at 10 Boulevard Royal, L-2449 Luxembourg and registered in the Luxembourg Business and Companies Registry under number B173459, authorised to exercise their activity in France as an independent establishment, in the capacity of an electronic money institution authorised by the Luxembourg Commission de Surveillance du Secteur Financier [Oversight Commission of the Financial Sector], 283 route d’Arlon L-1150 Luxembourg, www.cssf.lu,

hereinafter, referred to as the “Service Provider”, party of the second part,

hereinafter, referred to separately as a “Party” and together as the “Parties”.

 

Note

The Account Holder is asked to carefully read this Framework Contract provided to them by the Platform before accepting it. They are asked to download a hard copy of it. The Account Holder is informed that the language used to communicate with the Service Provider is French. By default, communication with the Service Provider is always carried out through the Platform, according to the terms established in the General Conditions of the Site, except when a distinct communication method is established in the Contract.

 

1.Definitions

For the purposes hereof, the terms hereinbelow are defined as follows:

“Authentication”: indicates the procedures defined by the Platform in order to identify the Account Holder or the validity of a Payment Order. These procedures include using the Personalised Security Data and the Identification Data.

Strong Authentication”: indicates the Authentication procedures defined by the Platform and that respond to the requirements of European Directive 2015/2366 of 25 November 2015. This Strong Authentication specifically includes elements that allow for establishing a dynamic link between the Operation, the amount and the Beneficiary.

Banks”: indicate credit institutions in charge of protecting funds collected by the Service Provider on behalf of the Account Holder. These funds are indicated in the books of the holding account opened for this purpose. The designated institutions today are ING Luxembourg and Crédit Mutuel Arkéa. The Service Provider has the possibility of selecting any other authorised credit institution.

Beneficiary”: indicates the legal or physical person, creditor of a Payment Operation issued by the Account Holder.

Card”: indicates the debit card, payment card or credit card used to transfer the funds to an Account Holder designated on the Payment Account opened in the Service Provider’s books. This card must be within one of the following networks: Visa, MasterCard, CB.

Payment Account” or “Account”: indicates the Payment Account used by the Service Provider in the name of the Account Holder and used to carry out payment operations. The Account may in no way be associated with a deposit account. The currency of the Account is indicated on the Site during registration sign-up.

General Conditions of the Site”: indicates the general conditions of use of the Site entered into between the users of the Site and the Platform, specifically governing access to the Site.

Price Conditions”: indicates the financial terms agreed to between the Account Holder and the Platform, including the fees under this Framework Contract.

Framework Contract”: indicates these General Conditions of Use of the Payment Services, including the Registration Form and the Price Conditions, governing the use of the Payment Services as well as managing the Payment Account by the Service Provider.

Personalised Security Data”: indicates the personal data provided by the Platform to the Account Holder for the purposes of Authentication. It includes the Identification Data, as well as potentially any other data related to the Authentication procedure or Strong Authentication.

Identification Data”: indicates the unique identifier and the password of the Account Holder, that allows them to access their Personal Online Area.

Personal Data”: indicates any information related to the physical person who is the Account Holder, or a physical person related to the legal person who is the Account Holder (specifically a corporate executive, a beneficial owner, or an Authorised Person), under the meaning in European Regulation 2016/679 related to protecting personal data. 

Personal Online Area”: indicates the environment dedicated to the Account Holder, accessible on the Site of the Platform, allowing them to access their Payment Account and use the Payment Services.

Registration Form”: indicates the form to be filled out by anyone wishing to register for Payment Services, accessible on the Site at registration or made available by the Platform.

  “Business Day”: indicates a calendar day with the exception of Saturdays, Sundays, and public holidays in mainland France and Luxembourg and any other day designated as such by the Service Provider.

 

Payment Methods”: indicates the payment methods other than the Card, listed on the Site, and the option of which is offered by the Service Provider. The Account Holder activates the Payment Methods of their choice from their Personal Online Area.

Payment Operation”: indicates a routine or one-time transfer, ordered by the Account Holder or by any representative authorised for this purpose, debited from the Payment Account.

Payment Order”: indicates the instructions given by the Account Holder to the Service Provider in compliance with the procedure established in the Framework Contract to carry out a Payment Operation.

Payment Page”: Indicates the page secured by the banking service of the Service Provider.

Person in Question”: indicates the physical person who is the Account Holder or any person related to the Account Holder (specifically a corporate executive, a beneficial owner, or an Authorised Person), whose Personal Data is processed in the framework of the performance of this Framework Contract.

 

Authorised Person”: indicates any representative designated by the Account Holder in order to access the Payment Account and use the Payment Services on their behalf.

Platform”: indicates the entity, the designated payment agent of the Service Provider, the contact information of which are indicated in the General Conditions of the Site, who manages the Site.  It prepares, facilitates and advises prospects, for the purposes of the Framework Contract through the use of its Site. It accompanies Account Holders during their entire relationship with the Service Provider in the framework of carrying out their Payment Operations. It collects the documents necessary to open an Account. The Platform does not collect funds with the exception of the fees agreed to in the Price Conditions.

Service Provider”: indicates MANGOPAY SA, issuer of Electronic Money, authorised in Luxembourg by the Commission de Surveillance du Secteur Financier under reference number 3812 and authorised to carry out its activity in all Member States of the European Union. The Service Provider appears on the list of electronic money institutions available at www.cssf.lu/surveillance/ep-eme/listes-officielles.

Third-Party Payment Service Providers” or “Third-Party PSP”: indicates any institution, other than the Service Provider, authorised in a Member States of the European Union or part of the European Economic Area, or in a third-party country imposing equivalent obligations in terms of the fight against money laundering and the financing of terrorism.

“Platform Customer Service”: indicates the customer service whose contact information is indicated on the Site, from which the Account Holder may obtain information regarding the Framework Contract.

 

Payment Services”: indicates the payment services defined in Points 3 and 5 of the Annex of the Luxembourg Law of 10 November 2009, relative to payment services.

Site”: indicates the website used by the Platform whose purpose is to sell goods or services to Users or to collect funds from them, or to put Account Holders in contact with Users.

Hard Copy”: indicates any instrument allowing the Account Holder to store information addressed to them personally in order to be able to refer to it later during a time period adapted for the purposes for which the information is provided and allowing them to identically reproduce the information stored. It is generally offered in the form of a PDF file.  

Account Holder”: indicates any legal or physical person acting on their own behalf and in the name of which a Payment Account is opened to use the Payment Services.

User”: indicates any legal or physical person having transferred funds to an Account Holder through the Site using their Card or any other Payment Method accepted by the Service Provider to transfer funds.

2.Purpose

The Framework Contract has the purpose of defining the conditions in which the Service Provider provides Payment Services to the Account Holder in return for payment as defined in Article 11 herein.

These Payment Services include:

  • opening and managing the Payment Account,
  • crediting the Payment Account: registering the funds transferred by Card or by any other Payment Methods accepted by the Service Provider; receipt of transfers.
  • debiting the Payment Account; carrying out recurring or one-time Transfer Operations, deducting the fees due in compliance herewith, reversal of funds transfer to Cards (or any other Payment Methods).

The Account is not subject to any overdraft, advance, credit or discount. The Service Provider does not offer any currency exchange services.

The Service Provider has authorised the Platform for the purposes hereof with all Account Holders and supports them for their entire relationship with the Service Provider.

3.Registration for the Services

3.1.Registration Methods

The Framework Contract is entered into remotely, according to the terms established by the Platform under the General Conditions of the Site. To enter into the Framework Contract Online, the interested party must have the necessary equipment (materials and software), for which they alone are responsible.

By default, acceptance of the Framework Contract is carried out remotely via the Site and is entered into by electronic signature. The interested party has the possibility of requesting to sign the Contract by hand. For this purpose, they must print this Contract, sign it, and return it by electronic or postal mail to the Platform Customer Service, the contact information of which is indicated in the General Conditions of the Site.

In the event of a handwritten signature, the date of entering into the Framework Contract is the date indicated on it and if there is no date, it will be the date that the Framework Contract is received by the Platform.

Electronic signing of the Framework Contract is carried out via the Site. The date of entering into the Framework Contract corresponds to the date on which the interested party has finalised the e-signing process as indicated on the Site.

The Framework Contract entered into with the Parties electronically has the same legal status as a Framework Contract on paper.

 

3.2.Contractual Documents

The Framework Contract includes:

- these General Conditions of Use of the Payment Services,

- the Registration Form available on the Site,

- the Price Conditions indicated via the Platform.

These General Conditions of Use of the Payment Services, as well as the Price Conditions, are made available to the Account Holder on the Site and downloadable as a Hard Copy. At any time during the contractual relationship, the Account Holder may, upon request, receive these documents in paper format.

The Service Provider will maintain access to the contractual documents for a term of five (5) years from the end of the contractual relationship. The Service Provider will end this service at the end of the above-mentioned five- (5) year period.

The Service Provider may place conditions on entering into this Contract by the Account Holder providing certifications and information in order to validate their status in regard to these agreements.

4.Opening an Account

4.1.Necessary and Prior Conditions for Opening an Account

Any legally capable physical person at least eighteen (18) years of age and any legal person, residing and/or registered in a Member States of the European Union or in a State that is part of the European Economic Area agreement or in a third-party country imposing equivalent obligations in terms of the fight against money laundering and the financing of terrorism, may send a request to open an Account subject to the physical person being referenced on the Site in the capacity of consumer or in the capacity of professional. A legal person may only be referenced as a professional.

 

The Account Holder acknowledges from the time of issuing their registration request to the Platform and during the entire term of the Framework Contract:

  • that they are at least 18 (eighteen) years of age and legally capable or that they are legally formed with the status of a company;
  • that they are acting on their own behalf;
  • that all the information provided upon their registration are true, exact and up-to-date.

 

4.2.Registration Procedure and Opening an Account

  1. Information and Proof

 

Any interested party must provide to the Platform the information and documents listed hereinbelow, for the Registration Form, in the event that this information and these documents are not already in possession of the Platform.

 

The interested party undertakes to provide the information and documents corresponding to their status either as a professional or as a consumer.

 

For the Account Holder, who is a physical person and consumer:

  • their last name, first name, email address, date and place of birth, nationality and country of residence.
  • a copy of the Account Holder's valid official identity document (e.g., identity card, driver’s license, and for citizens of countries outside of the European Union, a passport).

 

For professional Account Holders:

 

  • for physical persons:
    • their last name, first name, email address, date of birth, nationality and country of residence.
    • an original or a copy of the official registration extract dated within three months that indicates registration as a retailer or in the national business registry or any other professional organisation that the Account Holder is a member of.
    • a copy of the Account Holder's valid official identity document (e.g., identity card, driver’s license, and for citizens of countries outside of the European Union, a passport).

 

  • for legal persons:
    • their business name, business form, capital, address of the registered office, description of the activity, the identity of the business associates and officers, as well as the list of the beneficial owners such as defined by regulation,
    • a Kbis extract or equivalent document dated within three months proving their registration at the Business and Companies Registry of a Member States of the European Union or a State that is part of the European Economic Area agreement or a third-party country imposing equivalent obligations in terms of the fight against money laundering and the financing of terrorism and their bylaws. This document must include the business name, legal form, address of the registered office and the identity of the business associates and officers mentioned in Sections 1° and 2° of Article R.123-54 of the Code of Commerce or their equivalent in foreign law. 
    • a copy of the bylaws and potential decisions specifically certified true legal copy from the legal representative;
    • a copy of the identity card or passport of the legal representative and, as the case may be, the beneficial owner(s).
    • The statement from the beneficial owners of the legal person holding more than 25% of rights in the event that the interested party has not declared their beneficial owners in the national registry, or if it is not subject to this obligation.

The Account Holder may also be requested to provide the bank details from an open account in the name of the person mentioned in Sections 1° to 6° bis of Article L.561-2 of the Monetary and Financial Code in a Member State of the European Union or a State that is part of the European Economic Area agreement or a third-party country imposing equivalent obligations in terms of the fight against money laundering and the financing of terrorism 

It is expressly established that the Service Provider maintains the possibility of requesting before opening an account and at any time during the term of the Framework Contract, additional documents related to the Account Holder, the beneficial owners, or a specific Payment Operation. 

The Account Holder grants the Platform the power to carry out the Payment Operation on their Payment Account under their full responsibility (“Proxy Power”).  Proxy Power automatically ends upon the death of the Account Holder. It may be revoked at any time upon the Account Holder’s request by informing the representative and the Service Provider by registered letter with acknowledgment of receipt. Revoking it takes effect on the date the Service Provider receives the letter. The Account Holder remains responsible for Payment Operations initiated on its behalf until this date by the designated representative. The Account Holder expressly releases the Service Provider from professional secrecy regarding the data of the Payment Account in terms of the representative designated under Proxy Power.

  1.  Restriction of the Payment Account

By the Service Provider’s free assessment, use of a Payment Account may be restricted without the Service Provider having to justify their decision to the Account Holder in question. The functioning of the Payment Account will specifically be restricted when the Account Holder has not provided all of the information and documents required by the Service Provider, such as listed hereinabove. These restrictions are indicated to the Account Holder of the Platform. 

  1. Finalisation of Registration

After entering into the Framework Contract, the Account Holder must provide all of the information and proof that are requested by the Platform. By giving their consent to the terms of the Framework Contract, the Account Holder accepts that the Platform will transfer to the Service Provider their request for registration as an Account Holder and all the proof documents received by it.

The Service Provider alone has the power to accept the registration of an interested party as an Account Holder for a Payment Account in their name. This acceptance will be indicated to the Account Holder by the Platform by any means under the terms established on the Site.

The Service Provider, without motivation, or right to an indemnity in favour of the Account Holder, may refuse a request to open an Account. This refusal will be indicated to the Account Holder by the Platform by any means under the terms established on the Site.

 

5.Functioning of the Payment Account

The amounts credited to the Payment Account result from the funds transferred by Card (or by any other Payment Method accepted by the Service Provider), or the receipt of a transfer. The amounts debited from the Payment Account result: from executing a Payment Order to an account opened in the books of a Third-Party Payment Service Provider, of the Service Provider withdrawing fees due by the Account Holder under the Framework Contract or, a reversal of an operation by Card (or by any other Payment Method).

5.1.Acceptance of Payment Orders by Card for the Payment Account

Transactions for the Payment Account may be carried out by Card (or any other method accepted by the Service Provider), once or on several occasions. When such an operation is requested, the User will be identified on the Site by indicating their username (valid email address) and their password or via their Facebook account. The funds transfer request will be indicated on the Payment Page dedicated for this purpose. For all payments, the User may be requested to use a one-time code sent to their mobile telephone to the institution that issued the Card. If this is the case, it is the Service Provider’s right to refuse any payment following their free assessment without this decision giving rise to any indemnification. The funds transfer operation is carried out by the institution that issued the Card. Any dispute for such a transfer must be indicated to this institution. The Service Provider is not authorised to cancel such a transfer.

The Account Holder is informed that the Service Provider accepting a Payment Order by Card does not guarantee the receipt of these funds by the Account Holder in their Account. The funds arriving in the Payment Account of the Account Holder is based on the effective receipt by the Service Provider of the funds collected less the fees agreed to under the Price Conditions.

If the funds are not received for technical reasons, the Service Provider will make their best efforts to settle the operation. If the funds are not received for any other reason, the Service Provider will immediately inform the Account Holder of their inability to credit their Account in the expected amount, and to contact the User.

In the event that the transfer of funds to the Account of the Account Holder is cancelled by the institution issuing the Card following the User disputing it, the Account Holder accepts that the Service Provider may reverse any funds transfer operation by Card by debiting the Payment Account of the corresponding amount.The Account Holder recognises that such dispute may be brought to the attention of the institution issuing the Card up until a maximum time frame of thirteen (13) months following the date that the account was debited related to said Card. In the absence of sufficient provisions in the Account to carry out such a reversal, the Service Provider may suspend or cancel any Payment Operation initiated by the Account Holder or a representative, or as the case may be, subrogate the rights of the Account Holder by carrying out recovery procedures for the amount due by the User by any means.

5.2.Receipt of Transfer to the Payment Account

The Account Holder authorises the Service Provider to receive in their Payment Account SEPA transfer operations in euros from a bank account or payment account open in the books of a Third-Party PSP.

 

The funds are credited to the Payment Account by the Service Provider as quickly as possible following their effective receipt by the Service Provider.  

 

After the funds are credited to the Account Holder’s Payment Account, the Service Provider will make available a summary of the transfer operation received, including the following information: the reference number of the payment operation, a reference number allowing identification of the payer, the amount of the operation, the date of the credit value.

 

5.3.Execution of a Wire Transfer Operation Debited from the Payment Account

The Account Holder may transfer orders for SEPA or international wire transfers to a Beneficiary’s account held by a Third-Party PSP.

 

When the Account Holder wishes to carry out a Transfer Operation, they will indicate their identification in their Personal Online Area by indicating their Identification Data and, if need be, by following a Strong Authentication procedure if indicated to them. They will indicate on the Payment Page: the amount of the Payment Operation, the currency, the Payment Account to be debited, the date the Order is to be placed and any other required information. In the absence of a date indicated, the Transfer Order will be deemed to be placed immediately. The Account Holder must also follow the Authentication Procedure (or follow the Strong Authentication Procedure) indicated by the Service Provider.

 

The Account Holder may at any time issue a request to execute a Transfer Order to a Beneficiary designated by them that has a bank account or payment account from a Third-Party Payment Service Provider. The Account Holder must include the subject associated with each transfer by respecting the Authentication Procedure (or Strong Authentication Procedure, if it be the case) indicated by the Service Provider

 

The Account Holder irrevocably consents to the Payment Order by clicking on the “validation” button (“Date of Receipt”). The receipt of the Payment Order is confirmed in the Account Holder’s Personal Online Area. No Order may be withdrawn by the Account Holder after the date upon which it is deemed to irrevocably have been received, which is from the Date of Receipt.

 

Before issuing a Transfer Order, the Account Holder (or the Platform acting on their behalf) must ensure that they have a sufficient amount of credit available in their Account to cover the amount of the Payment Operation and the related fees as established in the Price Conditions. If necessary, they must credit their Account before the Order is validly transferred to the Service Provider to carry it out.

 

It is expressly agreed that the Payment Orders are executed at the latest at the end of the Business Day following the Date of Receipt of the Order by the Service Provider (and on the agreed-to execution date for standing or timely transfers). Any Payment Order received after 4:00 p.m. by the Service Provider will be deemed to have been received the following Business Day. If the Date of Receipt is not a Business Day, the Payment Order will be deemed to have been received the following Business Day.

 

For each Transfer Operation, the Account Holder may request from the Service Provider to be provided with a Hard Copy of the information related to the maximum execution time frame of this specific operation, the fees that they owe and, if it be the case, the details regarding these fees.

 

The Service Provider may be required to refuse to execute a Transfer Order that is incomplete or erroneous. The Account Holder must reissue the Order so that it is in proper conformity. Furthermore, the Service Provider may block a Transfer Order in the event of serious doubt regarding fraudulent use of the Account, unauthorised use of the Account, breach of security of the Account, in the event of a freeze issued by an administrative authority or for any other reason.

 

In the event a Transfer Order is refused or blocked, the Service Provider will inform the Account Holder thereof by any means. If possible, the Service Provider will indicate to the Account Holder the reasons for this refusal or blockage, unless it is prohibited from doing so due to a pertinent provision of national law or European Union law.

 

5.4.Reimbursement

The Account Holder may at any time transfer instructions to cancel a transfer of funds in order to reimburse a User. The Account Holder will access the Site indicating their identifier and password. They will indicate, in their Personal Online Area, the amount of the reimbursement, the currency, the User to be reimbursed and any other required information.

The reimbursement operation is carried out by the Service Provider by crediting the Card used by the User or by transfer using the original payment methods, within the limit of the available balance in the Account and the rules for each network and SEPA rules within five (5) Business Days following the Service Provider’s receipt of the request for reimbursement.

5.5.Specific Provisions for Services Initiating Payment and Information on Accounts Provided by Third-Party PSP

When a Wire Transfer Order is consented to by a Third-Party PSP offering the services of initiating payment, this consent is agreed to between the Account Holder and said Third-Party PSP under the conditions agreed to between them. The Service Provider is not involved under these conditions and may in no way be held responsible in the event of a dispute related to providing this service by the Third-Party PSP following said conditions.

 

 

The Account Holder may not revoke a payment order after giving their consent that the Third-Party PSP providing the service of initiating payment initiates the Payment Operation.

 

If an unauthorised, unexecuted or improperly executed Payment Operation is initiated by the Third-Party PSP providing the service of initiating payment, the Service Provider, at the latest at the end of the following Business Day, shall immediately reimburse the Account Holder in the amount of the unauthorised, unexecuted or improperly executed operation and, if it be the case, refund the Account debited so that it is in the state that it would be in if the unauthorised or improperly executed Payment Operation had not taken place. The date on which the Account Holder’s Payment Account is credited shall not be dated later than the date upon which it was debited.

6.Reporting

The Account Holder, in their Personal Online Area, has a statement of the Payment Operations carried out on the Payment Account available to them. They are asked to attentively acknowledge the list of these operations. Operations statements may also, upon express request, be made available to the professional Account Holder for other time frames.

It is specified that for each Transfer Operation carried out by the Service Provider, the Account Holder has the following information available to them: the reference number of the Operation, the identification of the Beneficiary, the amount of the Operation, the date the Order is received, and if it be the case, the fees related to executing this Operation.

 

 

7.Access to the Payment Account and Confidentiality of Personalised Security Data

The Payment Account is accessible online in the Personal Online Area, by using the Identification Data and in compliance with the requested Authentication Procedure (or Strong Authentication Procedure, depending on the case).

 

The Account Holder must indicate the Identification Data of each Authorised Person. Each Authorised Person accepts to not use the name or Identification Data of another person. The Account Holder alone is responsible for the use of their identifier.

Each Authorised Person is fully responsible for maintaining the confidentiality of their Identification Data, as well as any other Personalised Security Data potentially provided to the Service Provider or the Platform. The Account Holder must take all reasonable measures to maintain the confidentiality and security of their Personalised Security Data. They also undertake to educate the Authorised Persons regarding the confidentiality and security of their own Personalised Security Data.   

 

The Account Holder (and each Authorised Person) accepts to not communicate their Personalised Security Data to third parties. By way of exception, the Account Holder may communicate to authorised Third-Party PSP in a Member State of the European Union or in a State that is part of the European Economic Area agreement for information services regarding the accounts and initiation of Payment Operation (such as defined in Article 4 of European Directive 2015/2366, called “PSD2”). The Account Holder must ensure that this Third-Party PSP is authorised for the above-mentioned services and that it accesses the Personalised Security Data in a secured environment. 

 

8.Objection Regarding Personalised Security Data

The Account Holder must inform the Platform of the loss or theft of their Personalised Security Data, of any misuse or unauthorised use of their Personal Online Area or data relating to them as soon as they become aware of this and request that it be blocked. This declaration must be carried out:

  • by making a telephone call to the Platform Customer Service at the number indicated in the General Conditions of the Site; or
  • directly by electronic message through the contact form accessible on the Site.

 

The Service Provider, through the Platform, shall immediately execute the request for objection. The event will be recorded and date/time stamped. An objection number with date/time stamp will be provided to the Account Holder. Written confirmation of this objection will be sent by the Platform to the Account Holder in question by electronic message. The Service Provider will take administrative responsibility of the file and keep all proof relating to it for 18 (eighteen) months. Upon written request of the Account Holder and before this time frame expires, the Service Provider will provide a copy of this objection.

 

Any request for objection must be confirmed immediately by the Account Holder in question, by a letter signed by the latter, provided or sent by registered mail, or email, to the Service Provider at the postal address indicated hereinabove or at the address indicated in the General Conditions of the Site.

 

The Service Provider will not be held responsible for the consequences of an objection sent by fax or email that does not come from the Account Holder.

 

A request for objection is deemed to be made on the date and time of the effective receipt of the request by the Platform. In the event Personalised Security Data is stolen or there is fraudulent use of the Personal Online Area, the Service Provider is authorised to request from the Platform, a statement or copy of the complaint of the Account Holder and undertakes to respond to it as quickly as possible.

 

9.Blocking a Payment Account and Refusing Access to a Payment Account

The Service Provider reserves the right to block the Payment Account for objectively motivated reasons regarding the security of the Payment Account, the presumption of unauthorised or fraudulent use the Payment Account or a significantly increased risk that the Account Holder is incapable of fulfilling their obligation to pay the fees due under this Framework Contract.

 

The Account Holder is informed that the Service Provider may refuse access to the Payment Account by Third-Party PSP providing the service of initiating payment or information on the accounts, for objectively motivated or documented reasons related to unauthorised or fraudulent access to the Payment Account by this Service Provider, including initiating an unauthorised or fraudulent payment operation.

 

In this event, the Account Holder will be informed in their Personal Online Area of the block or refusal of access to the Payment Account and the reasons for this block or refusal. This information will be provided to them, if possible, before the Payment Account is blocked or access is refused and at the latest immediately after the block or refusal, unless providing this information is not communicable for reasons of objectively motivated security or is prohibited under another provision of pertinent European Union or national law.

The Service Provider will unblock the Account or re-establish access to it when the reasons for the block or refusal of access no longer exist. The Account Holder may request at any time that the Account be unblocked by indicating this to the Platform Customer Service, the contact information of which is included in the General Conditions of the Site. The Account Holder may be requested to create new Identification Data.

 

10. Contesting an Operation

10.1.Provisions Common to All Account Holders

For any claim relating to Payment Operations carried out by the Service Provider in the framework hereof, the Account Holder is asked to address the Platform Customer Service at the address indicated for this purpose in the General Conditions of the Site.

 

If an Order is executed by the Service Provider with errors attributed to this latter, this should be contested as soon as possible to the Service Provider, the Order will then be cancelled and the Account returned to the situation that it was in before receiving the Payment Order. Following that, the Order will be correctly reissued.

 

The fees indicated in the Price Conditions may be due in the event an Operation is unjustifiably contested.

10.2.Provisions Applicable to Professional Account Holders

Professional Account Holders wishing to contest a Transfer Operation unauthorised by them or improperly executed must contact the Platform Customer Service by telephone as soon as possible after they become aware of the anomaly and at the latest within eight (8) weeks following the transaction of the operation, it being their responsibility to contest it to the Service Provider as soon as possible. Unless there are good reasons to suspect the Account Holder of fraud, the Service Provider will reimburse the Account Holder in the amount of the Operation immediately following receiving the request to contest it, and in any case at the latest at the end of the next Business Day. The Service Provider will return the Account to the state it was in before the unauthorised Payment Operation took place 

 

In the event of the loss or theft of Personalised Security Data, unauthorised Operations carried out before they are contested are the Account Holder’s responsibility. Operations carried out after they are contested are borne by the Service Provider unless in the event of fraud by the Account Holder.

 

10.3.Provisions Applicable to Consumer Account Holders

Consumer Account Holders wishing to contest a Transfer Operation unauthorised by them or improperly executed must contact the Platform Customer Service by telephone as soon as possible after they become aware of the anomaly and at the latest within thirteen (13) months following the date it is debited, it being their responsibility to contest it to the Service Provider as soon as possible. Unless there are good reasons to suspect the Account Holder of fraud, the Service Provider will reimburse the Account Holder in the amount of the Operation immediately following receiving the request to contest it, and in any case at the latest at the end of the next Business Day. The Service Provider will return the Account to the state it was in before the unauthorised Payment Operation took place 

 

In the event it is contested, responsibility for proof that the Operation was identified, duly recorded and accounted for, and that it was not affected by technical or other deficiencies is the responsibility of the Service Provider.

 

In the event of an unauthorised Payment Operation following the loss or theft of Personalised Security Data, the Account Holder is responsible for the losses related to the use of Personalised Security Data before it is contested, up to a threshold of fifty (50) euros. Operations carried out after they are contested are borne by the Service Provider unless in the event of fraud by the Account Holder. However, the Account Holder is not held responsible in the event:

  • Of an unauthorised Payment Operation carried out without using Personalised Security Data;
  • Of the loss or theft of Personalised Security Data that could not be detected by the Account Holder before the payment was made;
  • Of losses due to actions or failures of an employee, agent or subsidiary of a PSP or an entity to which these activities were externalised.

 

The Account Holder is also not held responsible:

  • if the unauthorised Payment Operation is carried out by diverting the Personalised Security Data, without the Account Holder’s knowledge;
  • in the event of counterfeiting the Personalised Security Data, if, at the time of the unauthorised Payment Operation, the Account Holder is in possession of this Data. 

 

The Account Holder will bear all the losses arising from unauthorised Operations if these losses result from fraudulent activity by them or if they intentionally seriously neglected the obligations to keep their Personalised Security Data secured and to contest operations in the event of loss, theft or diversion of their Data.

 

Barring fraudulent activities on behalf of the Account Holder, the latter will not bear any financial consequences if the unauthorised Operation was carried out without the Service Provider requiring Strong Authentication of the Account Holder, in the event that regulations require it.

11. Financial Conditions

 

The services offered herein are invoiced by the Platform on behalf of the Service Provider in compliance with the Price Conditions.

 

Any commissions due by the Account Holder are automatically deducted from the Payment Account by the Service Provider. The Account Holder authorises the Service Provider to compensate at any time, even after the Account is closed, any irrefutable credit, liquid and collectible that remains owed, of any nature whatsoever. Funds in the Payment Account may be compensated for any amount due, collectible and unpaid of the Account Holder to the Service Provider.

 

In the event of late payment of the amounts due and collectible of the Account Holder to the Service Provider, the Account Holder will owe late-payment interests for the period from the date they are due until payment is complete. The applicable interest rate will be calculated on the basis of two times the annual legal interest rate published twice yearly for businesses. The amount of late-payment interest will be equal to the product of the amount unpaid multiplied by the above-mentioned legal interest rate and the number of days late over 365.

 

12.Term and Termination  


The Framework Contract is entered into for an indeterminate period. It enters into force from the time it is accepted by the Account Holder.

The latter may at any time and by respecting an advance notice of thirty (30) calendar days, terminate the Framework Contract. The Service Provider may at any time terminate the Framework Contract, by respecting an advance notice of two (2) months provided in Hard Copy format. In this case, the fees irrefutably owed for the Payment Services are due by the Account Holder on a pro rata basis for the period elapsed at the termination date.

Beyond six (6) months, the Framework Contract may be terminated without costs. In other cases, termination costs may apply, in compliance with the Price Conditions.

For these purposes, each Party must notify the termination hereof to the other Party, by registered letter with acknowledgment of receipt, to the postal and email address indicated in the General Conditions of the Site.

Consequently, the entire Framework Contract is terminated any Payment Account is closed. The credit in the Account will be transferred in a time frame of thirteen (13) months to the Account Holder’s Bank Account after deducting the fees due and payable to the Service Provider. If the credit in the Payment Account surpasses the threshold indicated in the Price Conditions, the amount surpassing the threshold will be transferred within thirty (30) days following the date the termination takes effect to the Account Holder’s bank account after deducting the fees due and payable to the Service Provider. The Service Provided is discharged of any obligation upon confirming to the Account Holder the transfer to the bank account indicated.

In the event of serious breach, fraud, or lack of payment on the part of the Account Holder, the Service Provider reserves the right to suspend or terminate this Contract by sending an email along with a registered letter with acknowledgment of receipt without providing reasons or advance notice.

It is established that the Framework Contract will be automatically terminated in the event of new circumstances that affect the ability of a Party to carry out the obligations of the Contract.

 

13.Modification of the Contract

The Service Provider reserves the right, at any time, to modify the Framework Contract. Any draft modification of the Framework Contract is provided to the Account Holder via the Platform

Any Account Holder may refuse the proposed modifications and must notify their refusal to the Platform Customer Service by registered letter with acknowledgment of receipt two (2) months before the proposed modifications enter into force (post office stamp being proof thereof) to the address indicated in the General Conditions of the Site.

Lacking notification of refusal before the indicated date that they enter into force, the Account Holder will be deemed to have accepted the proposed modifications. The relationship between the Parties after the date of entry into force will then be governed by the new version of the Framework Contract.

In the event the Account Holder refuses, this refusal will give rise, without fees, to the termination of the Framework Contract, as well as the transfer of the balance of the Payment Account in a time frame of thirteen (13) months following the date the termination takes effect in order to cover anything contested in the future.

Any legislative or regulatory provisions that make modifications necessary to any part of the Framework Contract will be applicable from the date they enter into force, without advance notice. However, the Account Holder will be informed thereof.

14.Security

The Service Provider undertakes to ensure that the services are provided with respect to the applicable laws and regulations and best practices. Specifically, the Service Provider shall do what is necessary to ensure the security and confidentiality of the Account Holder’s data, in compliance with the regulation in force.

The Service Provider reserves the right to temporarily suspend access to the online Account for technical, security or maintenance reasons without these operations invoking any right to an indemnity of any kind. It undertakes to limit these types of interruptions to those that are strictly necessary.

However, the Service Provider shall not be held responsible to the Account Holder for potential errors, omissions, interruptions or delays of operations carried out via the Site that result from unauthorised access by the latter. The Service Provider shall not be held responsible for the theft, destruction or unauthorised disclosure of data that results from unauthorised access to the Site. Furthermore, the Service Provider remains outside of the scope of the legal relationship between the Account Holder and a User or between the Account Holder and the Site. The Service Provider will not be held responsible for defaults, breaches or negligence between a User and an Account Holder, or the Site and an Account Holder. 


If the unique identifier or any other information necessary to carry out a Payment Operation provided by the Account Holder is inexact, the Service Provider cannot be held responsible for the improper execution of said Service.

The Platform alone is responsible for the security and confidentiality of the data exchanged in the framework of using the Site in compliance with the General Conditions of the Site, the Service Provider being responsible for the security and confidentiality of the data that it exchanges with the Account Holder in the framework hereof for creating and managing their Account, as well as Payment Operations related to the Account.

15.Limits to the Service Provider’s Liability

The Service Provider is in no way involved in the legal and commercial relationships and potential disputes arising between the Account Holder and the User or between the Account Holder and the Platform or between the Account Holder and a Beneficiary. The Service Provider exercises no oversight over the conformity, security, legality, characteristics and the appropriate character of the products and services subject to a Payment Operation.

Every operation carried out by the Account Holder gives rise to a contract created directly between themselves and a User who is a stranger to the Service Provider. Consequently, the latter cannot be held responsible for the non-performance or improper performance of the obligations arising from it, or any potential damages caused to the Account Holder.

Notwithstanding any contrary provision in this Contract, the Service Provider’s liability in terms of an Account Holder is limited to reparations for direct damages as established by regulation.

16.The Account Holder’s Commitments

The Account Holder acknowledges that elements in their Personal Online Area do not infringe on the rights of a third party and are not contrary to the law, public order, or proper ethics.

They undertake:

  1. To not perform the Framework Contract in an illegal manner or under conditions that may damage, deactivate, overload or alter the site;
  2. To not usurp the identity of another person or entity, falsify or divulge their identity, their age or create a false identity;
  3. To not divulge data or personal information related to a third party, such as postal addresses, telephone numbers, email addresses, bank card numbers, etc. In the event of a breach of these obligations, the Service Provider may take all appropriate measures in order to bring an end to these actions. It also has the right to suspend, erase and/or block the Account Holder’s access to their Account.
  4. Without prejudice to legal actions undertaken by third parties, the Service Provider has the right to personally bring any legal action that seeks to repair the damages that it has personally been subject to due to the Account Holder’s breach of their obligations under this Contract.

 

If the Account Holder is aware of a breach of the above-mentioned obligations, they are asked to inform the Service Provider of these actions by contacting it at the address: legal@mangopay.com.

 

17.Withdrawal Right 


17.1.Provisions Common to All Account Holders

The Account Holder having been initiated under the meaning of Articles L.341-1 et seq. of the Monetary and Financial Code has a time frame of 14 (fourteen) calendar days to exercise their right of withdrawal, as the case may be subject to responding to the conditions of Article D341-1 of this Code, without having to justify the reason or bear the penalty. This time frame for withdrawal begins from the day of their registration as an Account Holder.

17.2.Provisions Applicable to Consumer Account Holders

Under Article L222-7 of the Consumer Code, the consumer Account Holder has a right of withdrawal that may be exercised in a time frame of 14 (fourteen) days without having to justify the reason or bear the penalty. This withdrawal time frame begins either from the day of entering into the Framework Contract, or from the receipt of the contractual conditions and information, if this date is after that of the date the Framework Contract is entered into. The Framework Contract may only be put into effect before the withdrawal deadline has expired upon the approval of the consumer Account Holder. The consumer Account Holder recognises that the use of Payment Services after entering into the Framework Contract constitutes an express request on its part to begin performing the Framework Contract before the above-mentioned deadline has expired. Exercising the right of withdrawal involves the Framework Contract coming to an end, and in the event performance thereof has begun, takes the form of termination and does not bring into question the services previously provided. In this event, the consumer Account Holder will only be responsible for a payment proportional to the Services effectively provided.

17.3.Exercising the Withdrawal Right

The Account Holder must notify the Platform Customer Service of their withdrawal request within the indicated time frame by telephone or by email and by sending confirmation to the address of the Platform Customer Service. For this purpose, it may use the withdrawal slip made available to them by the Platform. Rules Regarding the Fight Against Money Laundering and the Financing of Terrorism

The Service Provider is subject to all of the Luxembourg and French regulations regarding the fight against money laundering and the financing of terrorism.

Pursuant to the provisions of French and Luxembourg law, relating to financial organisations participating in the fight against money laundering and the financing of terrorist activities, the Service Provider must obtain information from all Account Holders regarding any operation or original business relationship, the subject and the destination of the operation or the opening of the Account. Furthermore, it must carry out all due diligence for identifying the Account Holder and, if it be the case, the beneficial owner of the Account and/or the Payment Operations related to them.

The Account Holder recognises that the Service Provider may bring an end or postpone at any time the use of Personalised Security Data, access to an Account or the execution of an Operation in the absence of sufficient elements regarding their purpose or nature. They are informed that an operation carried out in the framework hereof may be subject to exercising the right of communication to the national financial intelligence unit.

The Account Holder, pursuant to regulations, may access all information thus communicated subject to this right of access not jeopardising the purpose regarding the fight against money laundering and the financing of terrorism if this data relates to the individual making the request.

No proceedings or civil liability action may be brought and no professional sanctions issued against the Service Provider, their officers or agents if they have made declarations regarding suspicions in good faith to their national authority.

18.Protection of Personal Data

The Service Provider collects and processes all Personal Data in compliance with the regulations in force applicable to the protection of this Data, and specifically Law no. 78-17  of 6 January 1978, as amended, and with European Regulation 2016/679 of the European Parliament and the Council of 27 April 2016.

 

The Personal Data required during registration is necessary in the framework of the services provided in compliance herewith. If the obligatory Personal Data is not provided, the interested party may be refused access to the services. 

 

The Person in Question is informed that the Personal Data is specifically collected for the following purposes: providing the services such as described herein; the fight against money laundering and the financing of terrorism; managing requests for information and claims; carrying out statistics. This data processing is specifically necessary for the performance of the Framework Contract as well as respecting the legal obligations that the data processor is subject to. The Service Provider and the Platform act as joint processors of this data.

 

The Personal Data shall not be transferred to any third party without the express consent of the Persons in Question. However, the Person in Question is informed that the Personal Data is transferred to the Service Provider’s subcontractors for the above-stated purposes. Said subcontractors only act on instructions from the Service Provider and exclusively on behalf of the latter.

The Person in Question may access the list of subcontractors by sending their request to the Platform Customer Service. They are informed that the Service Provider ensures that their subcontractors take all necessary measures in order to maintain the security and confidentiality of the Personal Data. In the event the Data is violated (loss, breach, destruction, etc.) involving increased risk to the Person in Question, the latter will be informed thereof.

 

The Service Provider reserves the right to disclose Personal Data at the request of a legal authority to be in compliance with any law or regulation in force, to protect or defend the rights of the Account Holder or the Person in Question, if circumstances require it or to protect the security of the Service Provider, the Services or the public.

 

Personal Data processed by the Service Provider in the framework of the services provided in compliance herewith is kept for the period of time that is strictly necessary to attain the purposes mentioned hereinabove. Barring legal and regulatory provisions to the contrary, the Data will not be kept beyond the effective date of termination of the Contract. It is specifically indicated that the Personal Data relating to identification is kept for a term of five years from the end of the contractual relationship, subject to applicable regulation in terms of the fight against money laundering and the financing of terrorism.

 

The Persons in Question have the following rights pertaining to their Data, according to the conditions established by regulations: the right of access, right of rectification, the right of objection, the right of erasure, the right to restrict its processing and the right of portability. The Person in Question may at any time exercise these rights by addressing the Platform Customer Service. The request must indicate their last name, first name, identifier, and include a photocopy of an identity document bearing their signature.

A response will be sent to the Person in Question in a time frame of one (1) month following receipt of the request. This deadline may be extended to two (2) months, given the complexity and the number of requests. In this case, the Person in Question will be informed of this extension and the reasons for postponement within a deadline of one (1) month from the receipt of the request.

The Person in Question will be informed if they have the right to file a claim with the competent authority for any request related to their Personal Data.

If the Person in Question provides the request in electronic format, the response will be provided in electronic format, unless they expressly request otherwise.

When the Personal Data relate to a Person in Question who is not a party to the Framework Contract has been transferred by the Account Holder, the latter will be responsible for communicating to the Person in Question the information of this Article.

Additional Information on the processing of Personal Data carried out in the framework hereof, the time frame that it is kept and the rights of the Person in Question are available in the Service Provider’s confidentiality policy (accessible at the site www.mangopay.com).

19.Professional Secrecy

The Service Provider is bound by professional secrecy. However, the secrecy may be lifted, in compliance with the legislation in force, based on a legal, regulatory and prudential obligation, specifically at the request of supervisory authorities, the tax or customs administration, as well as those of a criminal judge or in the event of a legal request indicated to the Service Provider. Notwithstanding the foregoing, the User has the right to release the Service Provider from professional secrecy by expressly indicating the authorities receiving the confidential information that relates to the User.

 

It is specified that professional secrecy may be lifted by regulation benefiting companies providing the Service Provider important operational tasks within the framework hereof.

20.Intellectual Property

The Service Provider retains all intellectual property rights that pertain to them for the Services offered to the Account Holder. None of these intellectual property rights will be transferred to the Account Holder under this Contract.

 

21.Death of the Account Holder and Inactive Accounts

21.1.Death of the Account Holder

The death of the Account Holder will bring an end to the Framework Contract, once this is made aware to the Service Provider. Operations occurring from the time of death, except with the agreement of the individual who has rights or the attorney in charge of the estate, will be considered not having been authorised.

 

The Payment Account will remain open for the time necessary to settle the estate and the Service Provider will ensure the transfer of the balance upon the agreement of the individual who has rights or the attorney in charge of the estate.

 

21.2.Inactive Accounts

Any inactive Account may be the subject to an inactivity notification by email on behalf of the Service Provider followed by a follow-up notification one month later. An Account Holder’s Payment Account is considered inactive if, at the end of a period of twelve (12) months, there have been no operations (with the exception of management fees being taken out) at the initiative of the Account Holder (or any representative) and that has not been specifically indicated to the Service Provider in any form whatsoever.

In the absence of a response or use of the balance of the credit of the Account in this time frame, the Service Provider may close the Account and maintain it for the sole purposes of carrying out a transfer of the amount due on the account as indicated by the Account Holder. In the event of death, the balance may only be transferred to the individual holding the Account Holder’s rights.

The Account may no longer carry out Payment Operations.

22.Force Majeure

The Parties shall not be held responsible, or considered as being in breach hereof, in the event of a delay or non-performance, when the cause of which is related to an event of force majeure as defined by Article 1218 of the Civil Code.

23.Independence of the Contractual Stipulations

If one of the stipulations hereof is nullified or not applicable, it shall be deemed not having been written and it shall not lead to nullification of the other stipulations.

If one or more stipulations hereof becomes invalid or is declared as such pursuant to a law, regulation or following a definitive decision handed down by a competent jurisdiction, the other stipulations retain their force of obligation and their scope. The stipulations declared null and void will then be replaced by stipulations that are as close as possible to the meaning and the scope of the stipulations initially agreed to.

24.Protection of Funds

The Account Holder’s funds shall be deposited, at the end of the Business Day following the day that they were received by the Service Provider, in a holding account open on the books of a Bank under the conditions required by regulations.

Under the terms of Article 24-10 (5) of the Law of 20 May 2011, published in Mémorial A n° 104 of 24 May 2011 of the Grand Duchy of Luxembourg and Article 14 of the Law of 10 November 2009 published in Mémorial A n° 215 of 11 November 2009 of the Grand Duchy of Luxembourg, transposing the Directive 2009/110/EC of the European Parliament and the Council of 16 September 2009, concerning access to the activity of electronic money institutions, the funds collected are protected and are not included in the pool of assets of the electronic money institution in the event of liquidation, bankruptcy or any other competitive situation that may arise for this latter.

25.Lack of Transferability

The Framework Contract may not be subject to a total or partial transfer by the Account Holder in return for payment or free of charge. Thus, they are prohibited from transferring to any third party whatsoever the rights or obligations that it holds hereunder. In the event of breach of this prohibition, in addition to the immediate termination hereof, the Account Holder may be held responsible by the Service Provider.

26.Agreement in Relation to Proof

All data will be included in unalterable, true and secured form on the technology database of the Service Provider specifically relative to Payment Orders and notifications sent, so as to constitute proof between the Parties unless there is proof to the contrary. 

27.Territorial Scope of Application

The provisions of Articles L133-1 et seq. and L314-1 et seq. of the Monetary and Financial Code apply when the Service Provider and the provider of payment services of the payer or a beneficiary of a payment operation debiting or crediting an Account are both located in the territory of mainland France, Guadalupe, Guiana, Martinique, La Réunion, Mayotte, Saint-Martin or Saint-Barthélemy or another Member State of the European Union or in a State that is part of the European Economic Area agreement, and the operation of which is carried out in euros or in the currency of a Member States of the European Union that is not part of the SEPA Area or another state that is part of the European Economic Area agreement. 

 

The provisions of Articles L133-1 et seq. and L314-1 et seq. of the Monetary and Financial Code apply (with the exception of those in Articles  L. 133-11 to L. 133-13; L133-14, II and with the exception of the time frames mentioned in Article L314-13, VI) when the Service Provider and the provider of payment services of the payer or a beneficiary of a payment operation debiting or crediting an Account, one of which is located in the territory of mainland France, Guadalupe, Guiana, Martinique, La Réunion, Mayotte, or Saint-Martin, and the other in the territory of mainland France, Guadalupe, Guiana, Martinique, La Réunion, Mayotte, or Saint-Martin or another Member State of the European Union or in a State that is part of the European Economic Area agreement, and the operation of which is carried out  in the currency of a State that is not part of the SEPA Area or another state that is part of the European Economic Area agreement, for the parties to the payment operation that is carried out in the European Union. 

 

The provisions of Articles L133-1 et seq. and L314-1 et seq. of the Monetary and Financial Code apply (with the exception of those in Articles  L. 133-11, L133-13,I; L133-22; L133-25 to L133-25-2; L133-27, and with the exception of the time frames mentioned in Article L314-13, VI) when only the Service Provider or only the provider of payment services of the beneficiary or that of the payer is located  in the territory of mainland France, Guadalupe, Guiana, Martinique, La Réunion, Mayotte, or Saint-Martin, no matter the currency in which the payment operation is carried out, for the parties to the payment operation that is carried out in the European Union.

28. Claims and Mediation

The Account Holder is asked to address the Platform Customer Service, as indicated on the Site regarding any claim.

 

Any claim other than that established in Article 10 relating to entering into, performing or terminating the Framework Contract must be indicated by email to the following address: legal@mangopay.com.

The Account Holder accepts that the Service Provider will respond to their claims on Hard Copy format. The response will be issued as quickly as possible and at the latest within a time frame of fifteen (15) Business Days following the receipt of the claim by the Service Provider. However, for reasons outside of its control, the Service Provider may not be able to respond in this time frame of fifteen (15) days.

In this event, it will provide the Account Holder with the response specifying the reasons for this additional time period as well as the date on which it will send the definitive response. In any case, the Account Holder shall receive a definitive response at the latest in a time frame of thirty-five (35) Business Days following the receipt of the claim.

The Account Holder is informed that the CSSF (Commission de Surveillance du Secteur financier) [Oversight Commission of the Financial Sector] is competent to settle disputes on an extrajudicial basis related to the performance of this Framework Contract. For more information on the CSSF and the conditions of such recourse, you may address the Platform Customer Service or consult the website of the CSSF (http://www.cssf.lu). Mediation requests must be addressed to the Mediator of the Commission de Surveillance du Secteur Financier (CSSF), 283 route d’Arlon, L-1150 Luxembourg, (direction@cssf.lu) and this, without prejudice to other legal actions. However, the mediator may not be approached if the request is manifestly unfounded or abusive, if the dispute has previously been settled or is in the process of being settled by another mediator or by a court, if the request to the mediator is provided within a time frame of longer than one year from the time of the written claim to the professional, or if the dispute does not fall within the mediator’s scope of competence.

29.Language - Applicable Law and Competent Jurisdiction

With the exception of applying a law related to public order (which only applies in the strict limits of its purpose), is expressly stipulated that French is the language chosen and used by the Parties in their pre-contractual and contractual relationships and that the Framework Contract is subject to French law. Any dispute between the Parties regarding the latter shall be submitted to the jurisdiction of the competent French courts.