These General Terms and Conditions are an integral part of the "Framework Agreement on the Execution of Spot Foreign Exchange Transactions and the Provision of Payment Services" and are part of the contractual documentation of one-off transactions through the EuroPlatba.cz portal.

 

GENERAL TERMS AND CONDITIONS

 

I. GENERAL CONDITIONS


1. Service Provider

Information pursuant to provision 134 of Act No. 370/2017 Coll., On Payment Systems, as amended

 

Trading company (provider name): EasyChange s.r.o.
Registered office of the company (registered office of the provider): Jungmannova 747/28, 110 00, Praha 1
ID: 290 44 570
Registration in the Commercial Register:  kept at the Municipal Court in Prague under file no.: No. C 162417
Address of the authorized representative or branch of the provider, if the payment service is provided through them: The payment service is not provided through an authorized representative
Name and registered office of the supervisory authority: ČESKÁ NÁRODNÍ BANKA, Na Příkopě 28, Praha 1
Registration with the Czech National Bank: CNB Decision File no. 2019/038802/CNB/570
Indication of whether the provider is registered in the list of providers, its registration number: https://apl.cnb.cz/apljerrsdad/JERRS.WEB09.DIRECT_FIND_RESPONSE

 

(hereinafter referred to as the "Service Provider")

 

2. Our relationship with you

 

 

3. Legal basis of the service

The payment service provider shall always proceed in accordance with current legal regulations of the Czech Republic, including the harmonized legal framework of the European Union, in particular:


3. Legal basis of the service

 

The payment service provider shall always proceed in accordance with current legal regulations of the Czech Republic, including the harmonized legal framework of the European Union, in particular:

4. Supervision of the Service Provider

Supervision is performed by:

 

 

5. Services

 

Services mean concluding foreign exchange transactions with a foreign exchange office and further use of the portal www.europlatba.cz, or in its other language versions (hereinafter referred to as “www.Europlatba.cz”), Client Zones at www.easychange.cz, in other language versions of the website (hereinafter referred to as “www.EasyChange.cz”), or the Course Monitor services at www.easychange .cz or in other language versions of the website.

The foreign exchange trading service is provided non-cash. The currency is delivered non-cash between the bank accounts designated by the contracting authority. Credit cards are not accepted. The contracting authority bears the costs charged to him by his bank. The amount of these costs can be verified in advance by the contracting authority with its bank. The costs charged to the contracting authority are listed in the Tariff, the current version of which is available at www.easychange.cz.


II.

DEFINITION OF TERMS

 



III.

ELIGIBILITY OF THE CONTRACTING AUTHORITY

 

 

IV.

CONCLUSION OF THE CONTRACT TRADE

 

  1. The service provider can use a so-called sales representative according to the Civil Code. This sales representative does not in any case mean an authorized representative within the meaning of the provisions of Section 25 of the Payment System Act.

  2. In the event that the person interested in the services of the Service Provider is contacted by a sales representative, it applies that the sales representative only acquaints the applicant with the conditions of the provided service and is in no way entitled to negotiate a contract or trade with the applicant.

 

Note: The user of the www.Europlatba.cz portal service does not conclude the Framework Agreement, it always concludes an individual contractual transaction under the conditions specified on the www.Europlatba.cz portal.

 

User accounts

 

 

No authorized persons at Europlatby.cz

The user of the Europlatba.cz portal confirms by agreeing to these terms and conditions that the trade order is entered by himself in his own name and is the owner of the sent funds, or is an authorized and authorized employee of the company (accountant, executive, etc.) and in such a case enters a trade order under the trade name of the contracting authority. If the user exchanges funds of which he is not the owner, it is necessary to document the power of attorney of the owner of the funds by e-mail. The power of attorney does not have to be notarized. In addition to the data of persons and their personal documents, the power of attorney must also result in a clear identification of the act for which the authorized person is authorized. The foreign exchange office reserves the right to reject an insufficiently processed power of attorney and not to execute a trade.

 

V.

TRADE SETTLEMENT

 

 

1. Enter the order

 

The request for foreign exchange trading cannot be submitted by phone!

 

 

2. Agreeing the details of the trade by both parties

 

Proposed trade (proposed transaction, offer) - a created order that has not yet been paid by the contracting authority.
Subsequently, the foreign exchange office notifies the contractual client of the receipt of the proposed transaction and sends him by e-mail a confirmation of receipt of the proposed transaction, which contains details of the transaction (confirmation).
Information on the acceptance of a transaction proposal (confirmation) is also available to the contractual client in its Client Zone on the website.
A payment order with the agreement of the contracting parties pursuant to provision 158 paragraph 2 of the Payment System Act shall be deemed accepted after the condition of acceptance of payment to the account of the foreign exchange office has been met and the payment transaction will be executed as soon as this moment occurs.
The user of the www.europlatba.cz portal has the order entered into the system automatically immediately and the foreign exchange office will subsequently evaluate the trade (especially see below in the context of "suspicious" trades and the provisions of these general business conditions for correct data).
If the foreign exchange office rejects the created order, the provisions of the General Terms and Conditions on Cancellation of Trade shall apply mutatis mutandis.
The foreign exchange office approves orders during the operating hours of the foreign exchange office, which are listed here: https://www.easychange.cz/kontakty/1005.html.
The contracting authority undertakes to pay the ordered currency under the agreed conditions, resp. sell the offered currency.
The foreign exchange office undertakes to settle the trade only after receiving the payment to the foreign exchange account according to the client's instructions in the draft transaction, all only in the form of a non-cash bank transfer.

The created order can be modified by the foreign exchange office before being received and sent to the contracting authority (due to, for example, an improperly selected account, or other visible errors or obvious inaccuracies, etc.). The foreign exchange office shall inform the contracting authority of such an adjustment in writing before accepting the payment order.

 

 

3. Payment by the contracting authority

 

In accordance with the Payment System Act, the foreign exchange office shall ensure that the amount of the payment transaction is credited to the payee's provider's account no later than the end of the next business day after receipt of the payment order, as required by § 169 of the Payment System Act.

 

A payment order with the agreement of the contracting parties pursuant to provision 158 paragraph 2 of the Payment System Act shall be deemed accepted after the condition of acceptance of payment to the account of the foreign exchange office has been met and the payment transaction will be executed as soon as such a learned moment occurs.

 

The payer therefore undertakes to send the funds for exchange without delay so that they can be credited to the foreign exchange account no later than D + 1 (= no later than the end of the next business day) after receiving the payment order within the meaning of the previous paragraph.
Therefore, in accordance with the provisions of Section 158 (2) of the Payment System Act, the contracting parties have agreed that the execution of a payment transaction will begin at a certain moment, at a time when certain conditions are met, or at the end of a certain period. The payment order is therefore considered accepted as soon as the moment thus determined occurs. This moment means the payment of the transaction by the contracting authority.
The agreed terms of trade remain in force if payment is made by the contracting authority within two working days of confirmation, unless otherwise agreed in writing with the contracting authority.
If the transaction is not paid by the contracting authority within two working days, the transaction may be unilaterally terminated by a foreign exchange office for late payment on the part of the contracting authority. There may be a delay due to a reason on the part of the contracting authority.
The Contracting Authority shall send the funds for exchange only to the collection account of the foreign exchange office, which is specified in the confirmation of the created order, unless both parties agree otherwise in time in justified cases.

a) If the contracting authority sends the payment contrary to the data in the confirmation (in particular, it means that not enough available funds are sent for its execution or payment on the due date of the payment order), the foreign exchange office will not make the payment, but maintains the payment order and payment thus generated in the records, namely:
- within the domestic payment system until the end of the 2nd working day following the day of receipt of the payment order; subsequently, the transfer order is excluded from processing.
- within the foreign payment system until the beginning of the 3rd working day following the day of receipt of the payment order, subsequently the transfer order is excluded from processing on the day following the due date.

b) If, in the above-mentioned period, the available balance is increased by allowing the execution of a registered payment order in accordance with the confirmation, the foreign exchange office shall execute it. In such a case, it shall debit the funds from the account no later than the next working day after the necessary increase of the balance to make the payment. If the contracting authority sends the payment in conflict with the data in the confirmation of the created transaction proposal and the foreign exchange office suffers damage, the foreign exchange office may make the payment in justified cases and claim compensation for such damage either by corresponding reduction of consideration or by applying an administrative fee according to the Tariff. The contracting authority agrees with this procedure of the foreign exchange office. The foreign exchange office of the contracting authority informs the contracting authority in advance about the application of this compensation.

The Contracting Authority expressly agrees with this procedure of the foreign exchange office in accordance with the above points and accepts the above-mentioned procedure in accordance with the provisions of Section 158 Paragraph 2 of the Payment System Act.

 

 

4. Payment by foreign exchange

 

The foreign exchange office will send the funds to the beneficiary's account according to the transaction confirmation after the contracting authority's funds have been credited to the foreign exchange office's collection account and the foreign exchange office has received all the documents needed to send funds from its account.
The foreign exchange office will send funds from its account in the exact amount of the pre-agreed amount in the agreed currency and at the rate of three decimal places, according to the details of the agreed trade.
In the case of a settled transaction, the contracting authority is informed via an automatic e-mail message and by receiving a confirmation of the settled transaction (so-called Confirmation of payment). Contractual clients also have this information available in their web interface.

 

 

5. Trade costs

 

The contracting authority bears the costs charged to him by his bank. The amount of these costs can be verified in advance by the contracting authority with its bank. The costs charged to the contracting authority are listed in the Tariff, the current version of which is available at www.easychange.cz.
If the transfer is charged a bank fee on the foreign exchange site (see Tariffs), it is borne by the contracting authority and the contracting authority sends the fee according to the details of the agreed transaction together with the funds for conversion or additionally to the same foreign exchange collection account.
If the contracting authority carries out a transfer in a currency which is not the currency of an EEA country or a transfer to a country which is not a member country of the EEA, fees may be deducted from the amount transferred by correspondent banks along the payment route. The beneficiary's bank in a non-EEA country is not obliged to credit the entire amount transferred, ie that it may also credit the beneficiary's account with the transferred amount reduced by the fee for the incoming payment according to its price list. How the beneficiary's bank credits such a transferred amount follows only from the contractual agreement between the beneficiary and the beneficiary's bank; the foreign exchange office has no possibility or obligation to influence this fact in any way.
Authorization SMS are not charged.

 

6. Data for smooth trade settlement

 

When entering the order, the user of the www.europlatba.czpovinen portal is provided to the foreign exchange office with all the details necessary for the successful settlement of the trade, in particular:
your name and surname, or the name of the business company,
the exact amount and currency that the contracting authority wishes to purchase, or the exact amount and currency that the contracting authority wishes to sell;
the name of the sending bank, on request also the number of the sending account, the code of the sending bank;
the name of the payee's account as kept in his bank (for some types of foreign payments also the full address of the account holder), the account number and the bank code;
for foreign transfers in EUR to the Single Euro Payments Area, ie. SEPA (Single Euro Payments Area), the contracting authority is obliged to state the beneficiary's account number in the IBAN format and the bank code in the BIC / SWIFT format;
payment mode (OUR or SHA);
a message to the payee or other details so that the payee can easily identify the payment;
If the contracting authority does not provide sufficiently clear and specific account details to accept the converted currency (typically insufficiently clear payment details for payments abroad), the foreign exchange office reserves the right to reject such transactions in order to avoid complications and the risk of refund. The contracting authority is responsible for the correct data on the payee. The foreign exchange office cannot estimate what the correct data on the payee should be.
The foreign exchange office may ask the contracting authority to verify the identity by means of a copy of both sides of the identity document and proof that the contracting authority is the owner of the sending bank account and that it is the owner of the funds, including the origin of the funds and the purpose of the conversion.
Contractual documentation of the Europlatba.cz portal store documented by the contracting authority:
the contracting authority shall deliver the so-called Declaration for an amount exceeding the equivalent of EUR 1,000, which shall contain:
his name and surname, or the name of the business company and ID number,
his permanent address or the address of the registered office of the business company in the Czech Republic or in another state
personal data of members of the statutory body and owners of a business company over 25% of the share in the company, up to the end natural persons;
two personal documents
for amounts over 15,000 euros or the equivalent in another currency, it shall also supply proof of ownership of the sending account, which is kept in the name of the contracting authority
for amounts over 15,000 euros or the equivalent in another currency, the contracting authority is obliged to inform the foreign exchange office and the owner of the money, the origin of the money and the purpose of the conversion.
The contracting authority, including the annexes, shall deliver the contracting authority to the foreign exchange office at its own expense in electronic form or in person or by post according to the choice of its carrier.
The contracting authority guarantees that it has entered the correct data
The contracting authority is obliged to communicate all data necessary for the settlement of the transaction to the foreign exchange office without delay and truthfully.
The contracting authority undertakes that the entered data is correct and that it is aware of possible legal consequences if it provided false information, including the possibility that an order with entered incorrect data that will make it difficult or impossible to settle the transaction may be rejected by the foreign exchange office or the contracting authority may be additional costs are charged according to the Tariff. In case of entering incorrect data, the contracting authority is exposed to the risk of refusing to trade at the foreign exchange office.

 

It is the contracting authority's responsibility to verify in advance that the beneficiary's account accepts the currency specified by the contracting authority.

 

 

7. Refunded payment

 

The contracting authority is aware that if it has entered incorrect data (beneficiary's account name, account number, bank code, in some cases the beneficiary's address, incorrect amount, insufficient data in the message for the beneficiary, etc.), when for this reason the payment is by bank returned to the contracting authority, the contracting authority will be charged all costs associated with such refund (receipt of payment, possible re-dispatch, bank fees charged to the foreign exchange office, or exchange rate differences resulting from foreign exchange conversions made in incomplete transactions or subsequent refund the foreign exchange office associated with the administration of this refund.
Administrative fees from the foreign exchange office are addressed in the Tariff.
The fees charged will be primarily deducted by the contracting authority from the funds returned to the foreign exchange office, and the contracting authority unreservedly agrees with this procedure of the foreign exchange office.

 

 

8. Additional changes to orders

 

In the event of an additional change to an already accepted order (eg change of any of the payment details, including a change in the amount), an administrative fee is charged according to the valid Tariff.

 

9. Cancellation of a transaction and cancellation of a payment order

 

The transaction is concluded by accepting the proposed transaction by a foreign exchange office in the environment of the Service Provider's web interface.
The contracting authority may cancel the proposed transaction until the payment order is executed by a foreign exchange office and until the funds have been paid by the contracting authority (payment has not been paid by the contracting authority).
An agreement to cancel a trade is possible only if one contracting party agrees with the proposal of the other contracting party to cancel the trade and the funds have not yet been sent by the contracting authority.
The contracting authority may not revoke a payment order if it has already sent the funds to a foreign exchange office. Cancellation of a trade is not possible if the foreign exchange office has already settled the funds (sent the payment). See the last point of this article.
In the event of cancellation of the transaction and return of funds to the contracting authority, the funds are sent back to the same account from which the funds were sent to the foreign exchange office. Bank charges associated with the return of funds to the client's sending account may be deducted from the amount of the returned funds at the discretion of the foreign exchange office.
If the contracting authority requests the cancellation of the order with a delay (it is possible to do so only in writing) and the transaction has already been settled by the foreign exchange office, the contracting authority must communicate the cancellation and return of payment with the payee.

 

10. Withdrawal from a closed trade

 

For trades according to § 2 par. 1. let. b) of the Act on Foreign Exchange Activities, if the Service Provider offers them, the Contracting Authority may withdraw from the transaction pursuant to §16a-16h of the Act on Foreign Exchange Activities.
The contracting authority may not withdraw from the contract on agreed non-cash trade for the reason specified in § 1847 paragraph a) of the Civil Code (ie the price of financial services depends on price movements in financial markets that the entrepreneur cannot influence, such as foreign exchange services and investment instruments) .
The Contracting Authority may withdraw from a non-cash transaction either in accordance with the paragraph “Cancellation of a Trade” of these General Terms and Conditions, or in accordance with the Complaints Procedure, which is part of these General Terms and Conditions (see Complaints and Dispute Resolution below) if defective performance has occurred.

 

 

11. Failure to close the deal

 

The foreign exchange office reserves the right to reject a transaction proposed by the contracting authority without giving a reason.

 

12. The so-called "suspicious" transactions under anti-money laundering law

 

The foreign exchange office is subject to the supervision of the Ministry of Finance and the CNB and is obliged to evaluate suspicious transactions in the sense of the current wording of Act No. 253/2008 Coll.
You can read its updated version on the MF website: http://www.mfcr.cz/cs/archiv/agenda-financniho-analytickeho-utvaru/legislativa-aml-cft
If the order is evaluated by a foreign exchange office in accordance with the wording of Act 253/2008 Coll. as a "so-called suspect", the foreign exchange office will not conduct such a transaction.
The most common example from practice is the attempt of order issuers on www.europlatba.cz to circumvent the "identification of the client" according to the Anti-Money Laundering Act by entering a sale or purchase of 999 euros, or to divide the store into several smaller stores in a short period of time. Orders with such and similarly high amounts will be rejected by the foreign exchange office with a high degree of probability after internal evaluation. The sponsor of such an order acknowledges that by his consent to the terms of service - see the last line of the web form www.europlatba.cz - he agrees with this procedure of the foreign exchange office without reservations. The administration of such a rejected order is subject to a fee according to the currently valid Tariff.

 

13. Settlement times

 

 

The contracting authority is obliged to pay the funds as soon as possible after sending the transaction proposal (order) to the foreign exchange office and acceptance of the transaction proposal by the foreign exchange office. If the funds are not credited to the account by the end of the second working day after receiving the proposed order, the obligation of the foreign exchange office to pay its obligation may expire. In addition, point 3 of Article V of these General Terms and Conditions applies.

The foreign exchange office cannot affect the time required for the sender's bank to send funds to the collection account.

The foreign exchange office monitors its accounts at regular intervals and informs the contracting authority of the crediting of funds as soon as possible, provided that they have been credited during the foreign exchange office's operating hours, which is listed on the Service Provider's website in the "contacts" tab.

If the funds are credited outside the business hours of the foreign exchange office, or at a time which is not a business day, the transaction will be executed on the next business day of the foreign exchange office or the used bank.

If the contracting authority pays in cash by deposit to the foreign exchange collection account or pays by card, its transaction will be canceled and the funds paid by it will be issued within five working days at the foreign exchange office and during business hours upon presentation of the contracting authority. ideally OP and ŘP). An administrative fee is charged for this operation according to the Tariff, by which the amount returned to the contracting authority is reduced.

 

 

The foreign exchange office sends the funds to the beneficiary's account no later than the next working day after the crediting of the funds from the contracting authority.

If the foreign exchange office's business day is not a business day in foreign banks where the foreign exchange office has its accounts to be used for trading, the transaction will be executed on the next following business day of the foreign bank (especially for German and Slovak banks).

The foreign exchange office chooses the sending banks and sends the funds to the recipient in such a way as to ensure that the funds are credited as quickly as possible.

The foreign exchange office cannot itself influence the speed of crediting funds to the beneficiary's account, unless the contracting authority has chosen and paid, for example, express processing, which is technically possible only within a certain hour of the day and this hour differs according to the sending bank of the foreign exchange office. The speed of crediting is also affected by the selected currency, the beneficiary's bank, the currency of the beneficiary's account, which may not be the same as the sent currency, any correspondent banks and if there are public holidays or public holidays in the beneficiary's bank.

The settlement of the trade may be delayed if the foreign exchange office has to find out from the contracting authority additional necessary details about the accounts, funds, identification.

 

14. Exchange rates

 

Upon receipt of the order by the foreign exchange office, when the contracting authority receives the Foreign Exchange Transaction Confirmation, the exchange rate is binding and guaranteed.
The exchange rate is valid if it is offered to the contracting authority when filling in the electronic form and the foreign exchange office subsequently approves it by accepting the order and sending a confirmation to the contracting authority, or a course agreed by both parties in advance.
Information on exchange rates is published on the main website www.EasyChange.cz.
For funds sent to the collection account of a foreign exchange office in USD by a standard interbank transfer, the exchange rate can be determined only at the time of settlement of the trade by the foreign exchange office. This is protection against fluctuations in the exchange rate on the financial market during the period before the funds are credited to the collection account of the foreign exchange office in a matter of days, unless express is sent.
Payments in CZK are rounded to whole crowns by the system.
We would like to warn the contracting authority that foreign exchange currencies are subject to exchange rate movements on the financial market, which can be significant even during the trading day. The foreign exchange office works with minute values ​​of exchange rates. The contracting authority chooses at its own risk, at what time and therefore at what exchange rate it enters its trade.

 

15. Further details on settlement of trades

 

If the contracting authority requests a bank confirmation of the sent payment from the foreign exchange office - the associated bank fee is transferred to it, which is charged by the bank according to its tariff, plus the user is charged an administrative fee of CZK 100 by the foreign exchange office for processing this request. The foreign exchange office will request a bank confirmation from the bank only after the fee has been paid by the contracting authority. The foreign exchange office cannot influence the processing time of this confirmation by the bank.

 

 

VI.
ADDITIONAL DETAILS OF THE SERVICES PROVIDED

 

Further details on payment services

The foreign exchange office does not perform forward transactions. Forward transactions are forward transactions that are binding on both parties, which agree on specific conditions. Forward allows you to buy or sell foreign currency with delivery or performance in the future at today's (currently) set price - exchange rate.
The foreign exchange office performs only foreign exchange transactions, when one currency is converted into another. The Services cannot be used to simply forward funds in one currency without converting to another.

 

Limits of sent or converted funds

There is no upper or lower limit on the amount to be converted.

 

Complaint

Complaints are resolved according to the Complaints Procedure.

 

Ten cashless conversions

Before submitting a trade order or requesting the conclusion of a Framework Agreement, we recommend that contracting authorities become acquainted with the Ten Non-Cash Conversion Conventions.
Ten non-cash transactions means ten points of recommendation and prudence for the client.

 

Complaints and dispute resolution

Complaints are resolved according to the Complaints Procedure.
The contracting authority, a natural person who is not a business, has the right to file a proposal for an out-of-court settlement of a dispute arising from financial services at the Office of the Financial Arbiter, Legerova 69, 110 00 Prague 1, www.finarbitr.cz, tel .: 257 042 070, @ finarbitr.cz
In the event of disputes, the Service Provider shall proceed in such a way that, in the ideal case, an out-of-court settlement of the dispute is achieved and therefore undertakes to make every effort to amicably resolve any disputes arising in connection with these terms and conditions.
If the out-of-court settlement is not accepted by the contracting authority, the Service Provider proceeds in court. All disputes will be resolved in proceedings before the relevant general courts.
The contracting authority also has the opportunity to lodge a complaint with the service provider against the Czech National Bank - with its registered office at Na Příkopě 28, 115 03 Prague 1.
The Public Defender of Rights (Public Defender of Rights, Údolní 39, 602 00 Brno http://www.ochrance.cz/) also exercises competence in matters of the right to equal treatment and protection against discrimination.

 

Fees

Fees associated with the settlement of foreign exchange transactions are listed in the Tariff and are available to contractual clients on the website www.easychange.cz

 

Transaction history

The history of realized and unrealized foreign exchange transactions and their documents are accessible in the application only to contractual clients.
Contractual clients have access to the history of trades through logging in via their user account to the so-called "Client Zone."
Users using the services of the www.Europlatba.cz portal are not provided with the history of trades in the application and the foreign exchange office does not even look back for their needs, except in the case of complaints about the provided service.
Contractual clients and users of the www.Europlatba.cz portal are sent confirmation of the trade by e-mail in connection with each foreign exchange transaction.

 

Processing and protection of personal data and sending business messages

The service provider handles personal data and ensures their protection in accordance with Act No. 110/2019 Coll., On the processing of personal data, as amended, and in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of individuals 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); (hereinafter referred to as "GDPR")
The service provider undertakes not to pass on personal or contact data to third parties.
The protection of personal data of the contracting authority or any other user of the Service Provider's website, including the conditions for sending commercial communications, is governed by the rules of handling personal data, the current full text of which is regulated by a special document and is available here.
The administrator did not appoint a data protection officer.
By sending the order, the Contracting Authority agrees in accordance with the provisions of Section 7, Paragraph 2 of Act No. 480/2004 Coll., On Certain Information Society Services and on Amendments to Certain Acts (Act on Certain Information Society Services), as amended, to send commercial communications by the Service Provider. to the client's electronic address (business or advertising offer, relating exclusively to current or future products in the Service Provider's portfolio). The seller fulfills its information obligation towards the client within the meaning of Article 13 of the GDPR Regulation related to the processing of the client's personal data for the purpose of sending commercial communications through an article on its website. It is possible to unsubscribe from sending such a newsletter - at the end of each e-mail newsletter there is a clickable link for unsubscribing.
In order to increase user friendliness, the service provider uses so-called cookies for the operation of its website - text files that are stored in the client's electronic device when visiting the website for storing and occasionally monitoring the client's movement on the website. By clicking on the information on the use of cookies, the client agrees to the use of cookies. The client does not have to give consent to the use of cookies, but in such a case the service provider cannot guarantee the full functionality of the website.

 

Countries to which we send payments

See the list of EU and EEA countries to which the foreign exchange office normally sends the payment and the current list of prohibited and high-risk countries to which the foreign exchange does not send the payment, or sends only at the risk of the contracting authority.

 

 

VII.
FINAL PROVISIONS

 

 

VIII.

EFFECTIVENESS OF THE GENERAL TERMS AND CONDITIONS

 

  1. These General Terms and Conditions take effect on 1 July 2021 and, as of the effective date, replace all previous versions of the General Terms and Conditions, unless otherwise stated.
  2. In relation to Framework Agreements concluded before the date of entry into force of these General Terms and Conditions, the wording of these new General Terms and Conditions shall apply from the date of their entry into force.
  3. Changes to the General Terms and Conditions and the Complaints Procedure are reserved.

 

Document history

Version: 1.0

Date of effect: 29.4.2019

 

Version: 1.1

Date of effect: 1.7.2020

 

Version: 1.2

Date of effect: 1.2.2021

 

Version: 1.3

Date of effect: 1.7.2021

Update made on: 25.5.2021