We are DIRECTA24 LLP ("we", "us" or "D24"), a acompany registered in England and Wales under company number OC425353 and with our registered office at 4 King’s Bench Walk, Temple, London, EC4Y 7DL, United Kingdom.

These Terms and Conditions tells you information about us and the legal terms and conditions upon which we provide our services to you.

These Terms and Conditions (the "Terms") apply to the agreement (the "Agreement") between you ("you" or the "user") and us for the provision of the online payment service.

By using our services, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use our Services. Please read these Terms carefully and make sure that you understand them, before registering to use our Services. Please note that you agree to be bound by these Terms and the other documents expressly referred to in it, from the time that you register to use the Services.

You should print a copy of these Terms or save them to your computer for future reference.We amend these Terms from time to time as set out in clause 12. Every time you wish to use our Services, please check these Terms to ensure you understand the terms which will apply at that time. These Terms were most recently updated on August 2019.

1. You must be at least 18 years old to use our Services. We will not provide the Services to you if you do not satisfy this age requirement. If you are under 18 years old, please do not attempt to use our Services. Further, if in your country of residence or kin the country from where you access our services, the legal age is above 18 years old, by using the services you declare you are of that age or older.

2. By using our Services, you warrant that you have the right, authority, comply with the age restriction and capacity to enter into and be bound by these Terms.

1. We may restrict access to our Services from IP addresses located in jurisdictions where we believe it may not be legal for us to provide the Services.

1. D24 provides local payment methods to the users through integration with certain websites. ("Accredited Websites").

2. In order to use the Services on an Accredited Website, you must register with such Accredited Website.

3. By submitting your personal data to the Accredited Website, you acknowledge that D24 will have no responsibility to the processing of such personal data and you agree to have your personal data processed in accordance with the Accredited Website’s privacy policy.

1. The data used by the user on Accredited Websites will be used to automatically generate a D24 "user account".

2. We may request, at any time (via email, telephone or any other means), any information or documentation that can prove your identity, address and/or authenticity of the transactions. You agree to provide us with true, precise and complete information.

3. Your Account is personal and shall not be transferred to any individual. In the event that another individual accesses the Account due to you having provided any of your account details, you shall be liable for this individual’s access. You shall compensate us for all and any losses, damages, costs and expenses we may suffer as a result of any failure by you to keep your account details confidential.

4. You are responsible for:

   • maintaining the confidentiality of the password and username;

   • not permitting others to use your Account;

   • not using the Accounts of other Users;

   • refraining from selling, trading, or otherwise transferring your Account to another party;

   • immediately notifying us via email at support@d24.com if you have any suspicion of unauthorized use of your password or Account or any other breach of security, including unauthorized use of your debit or credit card.

5. You must not provide false account details, which include but are not limited to your name, email address, age or location. In the event that we have reasons to believe that you have provided us with false account details, we reserve the right to terminate the provision of our Services to you and restrict your access, suspend or cancel your Account without prior notice. You agree to hold us harmless against any falsehood or inaccuracy contained in the information you provide us.

6. You warrant that the email address with which you register your Account is an active, valid email address controlled by you.

1. You are responsible for providing and paying for any means and equipment necessary to enable your access to the Services.

2. You agree not to disguise, or interfere in any way with, the IP address of the device you are using to access the Services or otherwise take steps to prevent us from correctly identifying the actual IP Address of the device you are using whilst accessing the Services.

3. You acknowledge that the Services, like other Internet applications, are not secure and we do not guarantee the prevention or detection of any unauthorized attempts to access the Services.

4. When using our Services, you warrant that you are in compliance with all relevant and applicable laws and regulations of whatever country you are physically located and with all D24’s policies.

5. You shall not use the Services for any illegal purposes, like receiving or transmitting material that is obscene, harassing, and defamatory, in breach of confidentiality or violation of any Intellectual Property Rights.

6. Without prejudice to the right of initiating legal proceedings or reporting the fact to the relevant authorities, in the event that we have reasons to believe that you are making any illegal and/or unauthorized use of the Services, we reserve the right to restrict your access, suspend or cancel your access to our Services without prior notice. Illegal and/or unauthorized use of the Services includes but is not limited to:

   • using the Services without satisfying the age requirement of at least 18 years old or applicable age;

   • submitting false, inappropriate or inaccurate account details or personal data to us or to any Accredited Website;

   • engaging in any illegal and/or fraudulent activity;

   • acting in a manner that is detrimental to the conduct of our business or which may result in legal liability for you, us or a third party; and

   • providing, creating or disseminating computer viruses.

   • Further, any other irregular activity which diverges from the normal use of our services and which harms or may potentially harm either D24, or any other third party. By harm both monetary and non-monetary damages are included such as moral damage, threats or bribery actions.

7. D24 will use its reasonable endeavors to maintain the operation of the Website and the Services. Whenever it is necessary to temporarily suspend the Services for operational or other reasons, D24 will use its reasonable endeavors to restore the Website and re-establish the provision of the Services.

8. D24 declares that it is does not guarantee and thus is not bound to 99.9% functionality towards the user.

9. The user acknowledges and agrees that any payment processed via the Services may be subject to limits and conditions imposed by the applicable legislation and any regulation authority, and that D24 reserves the right to restrict the maximum amount of any transaction processed by D24 accordingly.

10. The user acknowledges that delays may occur on transferring funds between D24 and the Accredited Websites, or for any other reason related to the operation of the financial network and the banking system. D24 shall not be liable for any delays in the processing of payments via the Services. However, it is user’s responsibility not to use the payment services in a way that exceeds the maximum legal limits imposed to the user by its legislation either of residence, or jurisdiction from where the services are used.

11. D24 may subcontract or delegate in any manner any or all of its obligations under this Agreement to any third party so as to enable or facilitate the provision of the Services to the user.

12. The user accepts and authorizes the exchanging rates used by D24 or any intermediary institution used by D24 for such purposes.

13. D24 reserves the right to refuse the process transactions through the Services where such transactions are not complaint with the applicable legislation, any regulation authority codes of practice or D24’s policies or operations standards.

14. The user acknowledges and agrees that any transfer of funds made via the Services have the sole purpose of allowing users to make payments in good faith in Accredited Websites, and that none of these payments shall be considered as a credit granted by D24 to the user.

15. D24 does not warrant that the Users’ use of the Services will be uninterrupted or error-free.

16. D24 is not responsible for any delays, delivery failures, or any other loss or damage resulting from the transfer of data over communications networks and facilities, including the internet, and the Users acknowledge that the Services may be subject to limitations, delays and other problems inherent in the use of such communications facilities.

17. Further, all the funds the user uses throughout our Services must be of legal origins.

1. D24 does not charge any administration fees from the user.

2. The user is responsible for paying any taxes concerning to the transaction processed via the Services.

3. Where a user disputes any transaction with any Accredited Website, D24’s sole responsibility will be to verify whether the transaction was made in accordance with the instructions given by the user to the Accredited Website.

4. D24 shall not be liable for any administration fees charged by the Accredited Websites to the user. Any complaint on the Accredited Websites’ administration fees shall be made by the user by to the Accredited Websites.

1. The Intellectual Property Rights on Intellectual Property related to the provision of Services and the Website, its functionality and appearance, are either owned by or licensed to D24.

2. You are expressly prohibited from:

   • reproduce,copy, share, edit, transmit, upload, modify, alter, incorporate into any other materials, remove, commercialize, create derivative works from, frame, mirror, republish, download, display, or distribute all or any portion of the Website, the Services and any content thereof in any form or media or by any means; or attempt to de-compile, reverse compile, data mine, disassemble, reverse engineer or otherwise reduce to human-perceivable form all or any part of the Website or the Services or using any Intellectual Property related to the provision of Services and the Website, its functionality and appearance;

   • Doing anything which may be seen to take unfair advantage of the reputation and goodwill of the Website the Services and/or D24’s business in general; and

   • Doing anything that could be considered an infringement of the Intellectual Property Rights owned and/or licensed to D24 without first obtaining the written permission of the owner of the Intellectual Property.

1. For the purpose of the Data Protection Act 1998 (the "Act"), we process personal data as a data controller and our registered address is 4 King’s Bench Walk, Temple, London, EC4Y 7DL, United Kingdom.

2. This clause sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

3. By creating an Account, you are accepting and consenting to the processing of your personal data as set out in this clause.

4. For the purposes of this clause, your personal data ("User’s Information")  may be:

   • Information you give to us: this includes, without limitation, your name, address, email address and phone number, financial and credit card information, personal description, proof of your identity or address, authorization to use third party funds to pay for a transaction through D24 , and any other information you submit when registering to use our Website or the Services, subscribe to our mailing list, leave us your feedback or report a problem with our Website or Services;

   • Information we collect about you: this includes, without limitation, any information we collect about you related to your usage of the Website and the Services, including information on the payments made by you through D24, and the nature of the services and products purchased; and

   • Information we receive from other sources: this this includes, without limitation, information we receive about you if you use any of the other websites we operate or the other services we provide, or information we receive from third parties (including, for example, business partners, sub-contractors, advertising networks, analytics providers, search information providers, credit agencies or other agencies).

5. We may use User’s Information in the following ways:

   • to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;

   • to provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;

   • to contact you for your views on our services and to notify you occasionally about important changes or developments to our Website or to our Services;

   • to manage our Website and Services, for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;

   • to improve our Website, Services and any services and products provided by us;

   • as part of our efforts to keep our Website and the Services safe and secure;

   • to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;

   • to make suggestions and recommendations to you and other users about goods or services that may interest you or them;

   • to maintain and develop our commercial relationship with you; and

   • to evaluate any financial risks, verify any risks of money laundering, prevent fraud and make any reports that we are required to make by the applicable law.

6. We may combine information we receive from other sources with information you give to us and information we collect about you. We may use this combined information for the purposes set out above.

7. We may cWe do not sell, rent, or otherwise provide User’s Information to third parties, except where (a) we obtain your consent; (b) it is necessary to provide you with our Services; (c) we are required or authorized by law; or (d) as described in clause 9.9.ombine information we receive from other sources with information you give to us and information we collect about you. We may use this combined information for the purposes set out above.

8. We may share User’s Information with:

   • any of our employees or any member of our group or their employees, where "member of our group" means our subsidiaries, our ultimate holding company and its subsidiaries;

   • our third-party consultants, (sub-)contractors, suppliers or other service providers who may access your personal information to provide services (including but not limited to IT support services) to us in order to enable us to perform any contract we enter into with you;

   • auditors or contractors or other advisers auditing, assisting with or advising on any of our business purposes;

   • analytics and search engine providers that assist us in the improvement and optimization of our Website and the Services;

   • our successors in title, our prospective sellers or buyers of our business;

   • government bodies and law enforcement agencies and in response to other legal and regulatory requests;

   • any third party where such disclosure is required in order to enforce or apply any contract we enter into with you;

   • any third party for the purposes of protecting the rights, property, or safety of our company, our customers, or others (including, without limitation, you). This includes exchanging information with other companies and organizations for the purposes of verifying your personal identification or address, fraud protection, anti-money laundering measures and credit risk reduction;

9. The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a reasonable fee to meet our costs in providing you with details of the information we hold about you.

1. In addition to D24’s right to suspend the Services in accordance with the aforementioned clause, D24 reserves the right to, at any time, suspend the Services for repairs, maintenance or improvements. In the event that D24 suspends the Services in accordance with this clause, D24 will use its reasonable endeavors to give prior notice to the users, unless the Services are suspended due to suspicion of security breach or fraud.

2. Where the Services provided to you are suspended due to suspicion of security breach caused or fraud committed by you, D24 reserves the right to:

   • request that you provide information in accordance with clause 5.2; and

   • at its sole discretion, restrict your access, suspend or terminate your Account without provision of any notice.

1. These Terms will remain in full force and effect while you are using our Services.

2. If you wish to cease being a User, you can do so at any time by requesting D24 to close the User Account in accordance with the instructions available in the relevant Website’s section. Alternatively, you can send us an email at support@d24.com

3. D24 may, for any reason and at any time, restrict your access, suspend or terminate your User Account by sending notice to your email as indicated in your account details.

1. We may revise these Terms from time to time. Every time you use our Services, the Terms in force at that time will apply to the provision of the Services to you.

2. Except as provided in clause 12.4, whenever we revise these Terms, we will keep you informed and give you at least one month’s written notice before the changes take effect. We will also state that these Terms have been amended and the relevant date at the top of this page.

3. D24 may, for any reason and at any time, restrict your access, suspend or terminate your User Account by senUpon receipt of the notice specified in clause 12.2, if you wish to terminate your Account, you may do so by giving us at least 10 days’ notice before the changes take effect. If after expiry of the notice period you continue to use the Website or Services, you will be deemed to have accepted any changes to these Terms.ding notice to your email as indicated in your account details.

4. We reserve the right to make changes to the Website and the Services from time to time without any prior notice to you provided that such changes have no material adverse effect on you.

1. We do not in any way exclude or limit our liability for:

   • death or personal injury caused by our negligence;

   • fraud or fraudulent misrepresentation; and

   • any other liability which cannot be excluded or limited by applicable law.

2. If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is directly caused and a foreseeable result of our breach to these Terms or our gross negligence, but we are not responsible for any loss or damage that is not foreseeable (including in, special or consequential loss) which is not caused by D24’s gross negligence and direct breach to this Terms and Conditions.

3. We shall not be liable for any damages or losses (including, without limitation, in consequential, special, incidental, or punitive damages) caused in whole or part by:

   • payments made to unwanted recipients or payments in incorrect amounts due to input of incorrect information by the user;

   • any errors or omissions in the content or operation of the Accredited Websites, misuse of the Accredited Websites or inability to access the Accredited Websites;

   • delays, losses, errors or omissions resulting from failure of a telecommunications or any other data transmission system or failure of the Accredited Websites’ computer’s system;

   • the suspension of the Services or on the availability of the Website due to failures, delays, interruptions or otherwise; or

   • any loss of profit, loss of business, business interruption, or loss of business opportunity.

   • Any loss or damage caused by the Accredited Website’s product or service.

   • Further D24 in no way is responsible for the services and/or products provided by the Accredited websites nor their accuracy.

4. You agree to indemnify and hold us harmless from any liabilities, claims, losses or demands made by any third party arising from your misuse of the Website or the Services, which includes but is not limited to your breach of these Terms or a breach by you of any applicable law or rights of any third party. You also agree to fully cooperate in the defense of any claim that we may have to respond as a result of your misuse of the Website and Services.

5. We will make reasonable efforts to ensure that all transactions are processed in a timely manner. However, a number of factors may delay some transactions, many of which are beyond D24’s control, including without limitation, the processing time, communication failures and delays in the banking system. D24 shall not be liable for any loss or damages arising from delay in processing transactions.

6. Except to the extent that the loss or damage is caused by the negligence of D24 or by a breach of these Terms, D24 shall not be liable to the user for any loss or damage which the User may suffer by using third party websites, including the Accredited Websites, and the user acknowledges and agrees that it must claim any rights with such third party websites.

7. We shall have no liability for defects on any goods or services purchased or paid by the user through D24 and shall not be liable for any charges, fees or other taxes in respect of such goods or services.

1. We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms that is caused by any act or event beyond our reasonable control, including without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks.

1. When we refer, in these Terms, to “in writing”, this will include e-mail.

2. When we refer, iIf you wish to contact us in writing for any reason, you can send us a pre-paid post to D24 LLP, 4 King´s Bench Walk, London EC4Y 7DL, England, UK or email us at legal@d24.com.n these Terms, to “in writing”, this will include e-mail.

3. If we have to contact you or give you notice in writing, we will do so by e-mail, phone or by pre-paid post to the address, phone number or email you provide to us as in your account details.

4. The provisions of this clause shall not apply to the service of any proceedings or other documents in any legal action.

1. These Terms together with the documents referred to in it, contains the entire agreement between us for your use of the Services.

2. If any part of these Terms is held unenforceable, that part shall be enforced to the maximum extent permitted by law so as to give effect to the intent of the parties, and the remaining part of these Terms shall continue in full force and effect.

3. These terms are between you and us. No other person shall have any rights to enforce any of its terms, whether under the Contracts (Rights of Third Parties Act) 1999 or otherwise.

4. We may transfer our rights and obligations under these Terms to another organization without notice to you, but this will not affect your rights or our obligations under these Terms.

5. If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.

6. D24 may make changes in these Terms by showing a notice about the amended Terms on its Website or by other suitable means. By continuing using the Services the User agrees to be bound by the amended terms.

7. The Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation, shall be governed by and construed in accordance with the law of England and Wales.

8. Each part irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with this Terms or its subject matter or formation.