Terms and conditions, EN

The public offer is also accepted when the Subscriber registers on the Provider's website, namely when performing the actions set forth in paragraph 3 of this Agreement, and means the full and unconditional acceptance of all the terms of the Agreement without any exceptions and / or restrictions. The Provider's website is located at https://payelata.com/. The Provider reserves the right to change and / or supplement this Agreement by publishing the Agreement in a new edition on the Provider's website. Acceptance by the User of such an offer is a conclusive action to use any of the Services of the Provider on new terms.

1. GENERAL PROVISIONS
1.1. The user agreement (hereinafter referred to as the Agreement) is concluded between the provider of payment services Payelata (hereinafter referred to as the Provider) and the user of the payment system (hereinafter referred to as the Client) in order to use the Payelata® service and / or any of the websites, applications, products, services, software of the Provider (hereinafter referred to as the Services of the Provider).
1.2. For the purposes of the Agreement, the following terms are used in the following meaning:
1.2.1. Identification of the Client - provision of documents confirming the identity of the Client, authorization on the Provider's website.
1.2.2. Account - an electronic means of payment, which is intended for the Client to make transfers without opening bank account, including settlements with Electronic money. It is a computer program, the interface of which is located and / or available on the Internet on the Provider's Website and is displayed through a program for viewing Internet sites (browser). Each Account is automatically assigned a unique number when it is created.
1.2.3. Payelata service is a set of services provided by the Provider to Clients for transferring funds without opening bank account and providing electronic means of payment, a description and other information about which is posted on the Provider's Website.
1.2.4. Electronic money (electronic money) means funds previously provided by the Client to the Provider for the fulfillment of the Client's obligations to third parties, in respect of which the Client sends an order exclusively using the Account.

2. RIGHTS AND OBLIGATIONS OF THE PARTIES
2.1. Rights and obligations of the Client:
2.1.1. The Client undertakes to comply with the current legislation of the Seychelles, as well as the country of his residence, the rights and legitimate interests of the Provider and third parties.
2.1.2. The Client undertakes to provide complete, truthful and accurate information in the amount necessary for the provision of services by the Provider.
2.1.3. The Client undertakes to update contact details and inform the Provider about changes in personal data within 7 (seven) calendar days from the day such data changed.
2.1.4. The Client undertakes to ensure the protection of the Account authentication means in order to prevent unauthorized access of third parties to the Client's personal funds. In case of suspected compromise of authentication means, the Client undertakes to immediately inform the Provider by contact details about these situations and events, about their causes and consequences in any way available to the Client.
2.1.5. The Client undertakes not to use anonymizers (proxy servers, sox servers, distributed anonymous networks such as “tor”, etc.) when working with the Provider's Services.
2.1.6. The Client has the right to access his Account at a convenient time for him and transfer available funds in favor of third parties.
2.1.7. The Client has the right to return the funds remaining on the Account by transferring them to the methods available to the Provider.
2.2. Rights and obligations of the Provider:
2.2.1. The Provider undertakes to provide technical support for the payment system for its full and uninterrupted functioning.
2.2.2. The Provider undertakes to execute the client's payment order in accordance with the established deadlines, and if such an operation is impossible, to return the payment funds to the Client's Account minus the direct costs of the transaction, including the Provider's commission for the provision of the Service.
2.2.3. The Provider is not responsible for the loss of the client's personal data due to the Client's non-compliance with information security rules.
2.2.4. The Provider has the right to early and unilaterally terminate this Agreement in the following cases:
2.2.4.1. Violation of this Agreement by the Client;
2.2.4.2. Violation by the Client of the current legislation of the Seychelles;
2.2.4.3. Formation by the Client of a payment order for the provision of goods and services prohibited (limited) for servicing in the Payelata payment system (the full list is given in Appendix No. 1 to this Agreement).

3. PROVISION OF ACCOUNT AND THE PROCEDURE FOR ITS USE
3.1. The Client undertakes to be identified on the Provider's website in order to gain access to the Account. Client identification involves providing the information necessary to identify the Client, depending on the type of Account.
3.2. The Provider provides the Client with the opportunity to select the type of Account at the time of identification:
3.2.1. Simplified identification account:
3.2.1.1. The Client undertakes to provide his e-mail address and phone number for identification on the Provider's website.
3.2.1.2. The Client has the right to conduct payment transactions in the amount of 50 USD per day, but not more than 250 USD per month (or equivalent in other means of payment provided by the Provider, at the official exchange rate on the date of payment).
3.2.1.3. The Client, at any time, at his own request, can increase the level of identification by providing the Provider with additional information. The term for consideration of the application is no more than 3 working days.
3.2.2. Account with full identification:
3.2.2.1. The Client undertakes to provide for identification on the Provider's website:
your email address and phone number;
A copy of the pages of the passport of good quality, containing the following information: photo of the client, passport number, date of birth, date and authority of issue of the document, its validity period;
Confirmation of residential address.
3.2.2.2. The Client has the right to conduct payment transactions in the amount not exceeding the limit set by the payment system for the withdrawal of funds (or equivalent in other means of payment provided by the Provider, at the official exchange rate on the date of the payment).
3.2.3. Provider rates.
3.2.3.1 Tariffs are set on an individual basis and depend on the following factors:
a) monthly turnover of the company;
b) average check;
c) the type of activity of the company;
d) the geography of receiving payments.
3.3. The Provider has the right to block the Client's Account:
3.3.1. at the initiative of authorized state bodies;
3.3.2. at the initiative of the Client;
3.3.3. on one's own initiative in one of the following cases:
3.3.3.1. Violation of this Agreement by the Client;
3.3.3.2. Violation by the Client of the current legislation of the Seychelles;
3.3.3.3. Formation by the Client of a payment order for the provision of goods and services prohibited (limited) for servicing in the Payelata payment system (the full list is given in Appendix No. 1 to this Agreement).
3.4. Account blocking entails the termination of all operations by the Provider.
3.5. Closing Account:
3.5.1. The Client has the right to close the Account at his own discretion at any time convenient for the Client. To close the Account, the Client must:
3.5.1.1. Withdraw the funds available on the Client's balance by transferring money using one of the methods available to the Provider;
3.5.1.2. Submit a request for closure to the Provider's support service.
3.5.2. The Provider has the right to close the Account if:
3.5.2.1. A corresponding request has been received from the Client;
3.5.2.2. There has been a violation by the Client of this Agreement;
3.5.2.3. There has been a violation by the Client of the current legislation of the Seychelles;
3.5.2.4. The formation and / or execution by the Client of a payment order for the provision of goods and services prohibited (limited) for servicing in the Payelata payment system (the full list is given in Appendix No. 1 to this Agreement) took place.
3.5.2.5. The Client's account is not used for 3 (three) months.

4. PROCEDURE FOR CONSIDERATION OF CLAIMS AND DISPUTES
4.1. Claims of the Client on the Services provided are accepted by the Provider for consideration only in writing and no later than 3 calendar days from the date of the dispute. The term for consideration of the Client's claims is no more than 30 (thirty) working days.
4.2. All disputes and disagreements arising in the process of using the Services from this Agreement are resolved through negotiations.
4.3. If the dispute cannot be resolved in accordance with paragraph 4.1. Agreement, such a dispute is resolved by the competent court at the location of the service.

5. MISCELLANEOUS
5.1. The Parties shall be released from liability for non-fulfillment of mutual obligations in the event that their non-fulfillment was the result of force majeure circumstances that arose after their accession to this Agreement, or the occurrence of emergency events that could not be prevented or foreseen before their occurrence. The party in respect of which force majeure circumstances are in force is obliged to notify the other party no later than 10 days after the occurrence of these circumstances.
5.2. The Provider is not liable for risks beyond the control of the Provider, including force majeure circumstances that entailed the complete or partial loss of funds on the client’s account, for example, in case of fire or other restrictions on access to funds providing a confirmed supply of digital currency (bankruptcy of banks, payment systems, other cases related to the complete or partial restriction of access to the provision of digital currency on the Client's account).
5.3. The records of the Provider's databases have priority over the records of the Client's databases when proving the authenticity of the relevant electronic Orders and Notifications.
5.4. The Client is not entitled to transfer to third parties his rights and obligations arising from cooperation under the Agreement without the prior written consent of the Provider.

Category "Adults Only";
Art;
Artifacts, goods related to the burial;
Catalytic converters and sensor tubes;
Contracts for the maintenance of mobile (wireless) phones;
Announcements to raise funds for charitable purposes;
Cosmetics: used;
Counterfeit banknotes and stamps;
Credit cards;
Currency: sale;
Descriptions of medicinal or similar medicinal products and substances;
Medicines and accessories;
Electronic equipment - examples: cable decoders, radar antennas and traffic control devices;
Electronic surveillance equipment - examples: electronic listening equipment and listening devices in a telephone set;
Embargoed goods and banned countries - example: goods from Cuba;
Firearms, self-defense equipment, and knives are examples: pepper spray, weapon mock-ups, and stun guns;
Food and health products;
Government documents, certificates and licenses;
Items related to government, transit, and shipping—examples: aircraft manuals, subway uniforms, and US Postal Service (USPS) mail bags;
Flammable materials - examples: batteries, fireworks and coolers;
Human remains and body parts;
Goods that incite illegal activities - for example: an e-book on the manufacture of methamphetamine;
Devices for opening locks;
Lottery tickets;
Mailing lists and personal information;
Manufacturers coupons;
Medical devices - examples: contact lenses, pacemakers and surgical instruments;
Military goods (see also the section on Firearms, Self-Defense Equipment and Knives);
Offensive material - examples: offensive material, inappropriate for racial or ethnic reasons, and Nazi paraphernalia;
Pesticides;
Plants and seeds;
Goods related to law enforcement;
Political souvenirs (reproductions);
franking machines;
prescription drugs;
Prohibited services;
Real estate;
Recalled goods;
slot machines;
Marks;
Shares and other securities;
stolen goods;
Surveillance equipment;
Tobacco products and smoking mixtures;
weed plants;
Precious stones and metals and products from them;
Malicious software.

Appendix No. 1 to the User Agreement on the General Terms of Service of Payelata®