Rules for Payments Using the Przelewy24 Service

Definitions
For the purposes of these rules, the following terms and expressions have the following meanings:

Merchant - a business entity that has entered into a contract with PayPro, the vendor and the payee.

Paying agent - a natural or legal person or organisational unit without legal identity, which is granted legal capacity by law, acting on behalf and in the name of PayPro S.A. as a domestic payment institution exclusively within the scope of payment services.

User (payer) - a natural or legal person, or organisational unit without legal identity, to which the law grants legal capacity and which makes payments for goods or services offered by a merchant who has accepted the rules for payments in the web service.

PayPro S.A. (PayPro) - a user service provider based in Poznań, ul. Kanclerska 15 (60-327), entered in the Register of Entrepreneurs of the National Court Register kept by the District Court of Poznań Nowe Miasto i Wilda, 8th Commercial Department of the National Court Register, registration number KRS: 0000347935, VAT number: 7792369887, registered capital 4,500,000.00 PLN, fully paid, entered in the register of domestic payment institutions maintained by the Polish Financial Supervisory Authority, UKNF registration number IP24/2014.

Przelewy24 (web service) - web service mediating the transfer of payments between the payer and the merchant.

Payment transaction (payment) - individual payment to the merchant made by the payer using the web service. Every payment transaction must be specified in the system by at least: payment number, payment amount, payment identifier and payment method.

Payments in Przelewy24 may be marked with the following status:

pending - payment awaiting receipt,
verified - received payment that is subject to further verification for security reasons,
prepay - payment that is pending delivery of confirmation to the vendor
completed - payment made, confirmation of payment sent to the vendor,
error - payment resulted in an error, was returned by the intermediary institution or paid incorrectly,
returned - payment returned to the client.

Transaction panel - panel available to the payer to allow them to choose a payment method and redirect to the intermediary institution.

Intermediary institution - payment service provider or other entity through which the payer transfers payment funds to PayPro in order to pay the merchant, in particular the paying agent, the bank, the authorisation and clearing centre, the postal service operator or the office providing payment services.

Business Day - PayPro's business day (excluding Saturdays, Sundays, public holidays and state holidays), when PayPro carries out its operating activities, i.e. provides the services set out in these rules in the provisions stating the concept of "business day".

GDPR - Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation)

Rules - these rules.

Service - service consisting of the payment service that PayPro carries out for users.

These rules set out the contractual conditions for making payments via the web service available to users.

The Przelewy24 service makes various payment methods available to the client, receives the client's payments, sends confirmation to the vendor about the payments made and transfers the payments to the vendor's account.

Every payment entered in Przelewy24 is assigned a unique payment number and password set by the web service. The client should retain the number and password for the purpose of checking the status of the payment, making a payment in advance on the basis of this payment, or filling out a complaint about the payment.

Every payment sent to one of the bank accounts of PayPro or its paying agent is used exclusively to realise a payment, the number of which has been entered as the name of the payment. If an incorrect payment number is entered, PayPro bears no liability for the purpose for which the funds are transferred.

Payments must be made within the specific period stated in the transaction panel. During this period, the web service is awaiting payment confirmation. Upon receipt of the confirmation, the web service notifies the client and the merchant that the payment was made correctly.
In the case of payment orders received on days other than business days, the day of receipt of the payment order shall be the first business day following that day.

PayPro may withhold or refuse to perform a web service if it has reasonable doubts about the legality of the payments, including their possible connection to money laundering or terrorist activity. For the reasons set out in the previous provision, a payment transaction made using a payment card may be withheld or rejected, inter alia in the case of direction of the payment to a country other than the country of issue of the payer's payment card.

PayPro reserves the right to withhold or refuse to perform a web service in cases where the provisions of these rules are violated, or whenever there is a reasonable suspicion that the payment does not comply with the provisions of the law or the provisions of these rules.

PayPro shall not be liable for any losses incurred by the payer as a result of the withholding or refusal to make a payment for the reasons set out in Section 1 subparagraphs 7 and 8.

Proofs of payment in Przelewy24 are provided by the following intermediary institutions:

a. for payments made using a payment card or electronic wallet (servers of the relevant payment service providers cooperating with Przelewy24);
b. for payments made by bank transfer - software providing automation of the bank transfer or software supervising the history of the bank account of the relevant service.

The web service does not guarantee real-time payment in the following cases:
a. verification of payments in accordance with subparagraph 15 of this paragraph,
b. failure of the intermediary institution's system, technical failures on the part of the intermediary institution, attempts to make payments outside the hours of registration of the bank's payments or changes affecting the operation of the service performed by the intermediary institution. The payer is entitled to assert claims against the intermediary institution arising from the above circumstances on the basis of a contract concluded between the payer and the intermediary institution, as well as on the basis of binding statutory provisions.

The web service does not guarantee the execution of real-time payments in cases where the user fails to follow the instructions provided during the transaction in the transaction panel and on the website of the intermediary institution.

PayPro is not responsible for unsuccessful (non-executed) or late payments if the failure or delay occurred due to the user providing incorrect or incomplete information, or if it was caused by events beyond PayPro's control. The user is obliged to notify PayPro of any case of an unsuccessful (non-executed) or unauthorised transaction.

The fact that the Przelewy24 service mediates the transfer of payer's payments through the web service accounts does not entitle the payer to recover interest on payments held temporarily in the web service accounts.

A payment that has been granted the status "verified" is subject to verification according to criteria set by PayPro, which are based on financial security measures put in place to prevent fraud and the fight against money laundering and the financing of terrorism. Verification may take until the end of the business day following the business day on which the payment was credited to the web service. If the result of the verification is positive, the payment is immediately made available to the merchant. If the result of the verification is negative, the payment is either directed to the payer's account or withheld so that the competent authorities can take further action in accordance with regulations on the fight against money laundering and the financing of terrorism.

Przelewy24 is not a party to any contract or legal relationship between the payer and the trader, in particular the purchase contract, and therefore bears no liability. In particular, it shall not be liable for incorrect fulfilment or non-fulfilment of the contractual obligation of the trader nor liability for the trader for incorrect fulfilment or non-fulfilment of the contractual obligation of the payer.

The service is provided to the user free of charge.

Users who consent to the use of the web service are obliged to comply with these rules and statutory provisions, as well as to use their actual and accurate data.

Any interference with the web service's IT systems or the use of means of payment by unauthorised persons or persons for whom PayPro has a reasonable suspicion of such unauthorised use is prohibited.
In some cases, the payer is required to pay a one-time service fee to PayPro when making the payment, which will later be added to the amount of the payment transaction. The payer is informed of the amount of such a fee during a specific payment in favour of the merchant via a web service.
Users can submit complaints via e-mail ([email protected]), via the electronic contact form available at https://www.przelewy24.pl/kontakt/reklamacja, by post (sent to the address: PayPro SA, ul. Kanclerska 15, 60-327 Poznań), or in person at the designated organisational unit.

Complaints submitted by telephone or in person will also be discussed (registration made during a visit of the complainant to PayPro's registered office).

PayPro will process the complaint within a maximum of 15 days. Processing may take longer if additional information is required, but no longer than 35 business days from the date of receipt of the complaint.

Detailed information on the submission and handling of complaints is available at https://www.przelewy24.pl/eng/complaints
Information on the right to litigation is included in the information on the complaint procedure referred to in Section 2 sub-paragraph 3 of these rules.

Information on the court competent to assess disputes arising between PayPro SA and the user is included in the information on the complaint procedure referred to in Section 2 sub-paragraph 3 of the Terms and Conditions.

Transactions performed by Przelewy24 are not bank transactions. Registration for the web service does not require the establishment of a bank account within the meaning of the Civil Code (law of 23 April 1964 - Civil Code, Official Gazette of Laws 1964, No. 16, item 93, as amended) or the law of 29 August 1997 - the Banking Act (Official Gazette of Laws 1997, No. 140, paragraph 939).

Use of the web service to make payments for the sale of illegal goods or services, in particular those that infringe the property rights of third parties or whose sale is not permitted in the EU, as well as use of the web service to pay for access to pornographic content, is prohibited.
PayPro S.A. processes personal data in connection with payments made using the Przelewy24 service. Processing is carried out in accordance with the provisions of the law, in particular the provisions of the GDPR. Detailed information on the processing of personal data, including the rights and obligations relating to the collection and processing of data, is available at https://www.przelewy24.pl/obowiazekinformacyjny.

The personal data administrator managing the data of Przelewy24 users is PayPro S.A., with its registered office in Poznań, ul. Kanclerska 15, 60-327 Poznań.

Payer making payments using Przelewy24 grant their consent to receiving confirmation of payments by e-mail. The web service is obliged by law to send such information. At the user's request, PayPro shall deliver this information in hard copy to the address provided by the user for a fee incurred as a result of administrative costs.

These rules are provided free of charge to all users of the website of the web service or the website of the merchant before payments are made.

PayPro reserves the right to change these rules. The changes enter into effect on the day they are published on the website of the web service.
In matters not regulated in the provisions of these rules, the generally binding provisions of the Act, including the Payment Services Act, shall apply.