Terms of use

Contractual Terms and Conditions for using UAB Livil Pay (“Livil”)’s Online Banking Payment System and services

UAB “Livil Pay” Terms and Conditions

These Merchant Terms and Conditions (hereinafter referred to as “T&C”) constitute the business conditions of the company - UAB “Livil Pay”, company code 305963747, with a registered office at Gedimino pr. 20, LT-01103 Vilnius, (hereinafter referred to as “Livil), registered in the Register of Legal Entities of the Republic of Lithuania, drawn up in accordance with Lithuanian law.

Before the start of using the services of Livil as described below, the Customer (or “you”) shall agree to these T&C, which form a legally binding contract between the Customer and Livil. For non-individual legal entities (such as corporations), the “Customer”, also referred to as “Merchant”, is the legal entity that registers for the service through its officers, employees, or other authorized persons.

The natural person, the ‘Customer” is the natural person that registers for the services personally.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

AGREEMENT TO OUR LEGAL TERMS

We are UAB Livil Pay ('Company', 'we', 'us', 'our' ‘Livil’), a company registered in Lithuania at Gedimino pr. 20, LT-01103 Vilnius. Our VAT number is 305963747.

We operate the website http://L.cash/ (the 'Site'), the mobile application L.Cash (the 'App'), as well as any other related products and services that refer or link to these legal terms (the 'Legal Terms') (collectively, the 'Services').

You can contact us by email at support or by mail to [email protected], Gedimino pr. 20, LT-01103 Vilnius, Lithuania.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ('you'), and UAB Livil Pay, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms from time to time. We will alert you about any changes by updating the 'Last updated' date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

We recommend that you print a copy of these Legal Terms for your records.

1. Definition of basics terms used in T&C

The following terms when used in these T&C or any document referred to herein shall have the following meaning:
1.1. Agreement means these T&C and any annexes hereto;
1.2. Account – the account opened in Livil for the Customer use;
1.3. Business Day means any day other than a Saturday or a Sunday or a public or bank holiday in Lithuania;
1.4. Confidential Information means any information which is marked as “Confidential” or “Proprietary” or should be reasonably expected to be confidential having regard to the context of disclosure or the nature of the information; including, without prejudice to the generality of the foregoing, the terms of this Agreement as well as business plans, data, strategies, methods, customer and Customer lists, technical specifications, transaction data and customer data shall be deemed confidential;
1.5. Consumer – a natural person who operates under these T&C and its annexes and does not pursue aims which are not consistent with the business, commercial or professional activity of this person.
1.6. Digital Assets - means any digital assets (such as cryptocurrencies, stablecoins and tokenized assets), accepted and supported by Livil, and subject to revision, prohibitions and limitations at any time.
1.7. Prices – prices for the Livil`s services and operations confirmed in accordance with the procedure established by Livil;
1.8. Commission fee – a fee charged by Livil for a payment operation and/ or related services.
1.9. Services means payment and e-cryptocurrency services as indicated in Clause 2.8. of this Agreement and provided by Livil.
1.10. Password (Passwords) – any code of the Customer created in Livil`s system or a code provided to the Customer by Livil for access to the Account or initiation and management of separate services provided by Livil and/ or initiation, authorization, implementation, confirmation, and reception of Payment operations.
1.11. Payment transfer – a payment service when cryptocurrency is transferred to the payment account of the Customer under the initiative of the Payer;
1.12. Payment order – an order from the Payer or the Recipient (payment transfer) for the provider of payment services to execute a payment operation;
1.13. Payment operation – a cryptocurrency deposit, transfer or withdrawal initiated by the Payer or the Recipient;
1.14. Payment service – services allowing to deposit to and withdraw cash from the payment account as well as all operations related to management of the payment account; payment operations, including transfer of cryptocurrency held on the payment account opened in the institution of the provider of payment services of the Customer of payment services or in another payment institution; payment operations using a payment card or a similar instrument and/ or credit transfers, including periodic transfers; issuance and/ or acceptance of payment instruments; cryptocurrency remittances; payment operations when the consent of the payer to execute the payment operation is given using telecommunications terminal devices, digital or IT devices and the payment is performed to the operator of the telecommunications network or IT system, who is only a mediator between the provider of goods and the Customer of payment services;
1.15. Payment Instrument – a personalized tool and / or certain procedures agreed between Livil and the Customer and which are used by the Customer for the initiation of the Payment order.
1.16. Payer – a natural or legal person submitting a payment order;
1.17. Recipient – a natural (private) or legal person indicated in the payment order as a recipient of the payment;
1.18. Website means collectively Livil`s website, mobile and tablet device sites and applications;
1.19. Unique identifier – a combination of letters, numbers, and symbols which Livil, as the provider of payment services, provides to the Customer of payments services, and which is used for identification of the Customer of payment services participating in the Payment operation and/ or an Account of the Customer used in the Payment operation.
1.20. If there is any conflict between the clauses of these T&C and the Terms of Use, the conflict shall be resolved in accordance with the following order of precedence:
1.20.1. the annexes to the Agreement;
1.20.2. these T&C;
1.20.3. any other document referred to in this Agreement or any other document attached to this Agreement.
1.21. In addition to these T&C, the relationships between Livil and the Customer are regulated by the laws and other legal acts of the Republic of Lithuania, Prices list, other additional annexes and by the principles of intelligence, justice, and honesty.

2. Provision and use of the services provided by Livil

Registration and creation the Account
2.1. The Services provided by Livil facilitate the execution of payments from a Customer to the Merchant as well as the execution of payments between Customers and Recipients and between the Customers and Payers.
2.2. The Customer’s account is the digital assets account which enables the Customers to send and receive payments, exchange cryptocurrency.
2.3. To start to use the Services provided by Livil, the Customer (legal person and/or natural persons) must first submit the application for opening the Customer’s account and provide the information requested by Livil.
2.4. Livil has the right to refuse to register the new Customer without indicating the reasons, however, Livil assures that the refusal to register will always be based on significant reasons which Livil does not have to or does not have the right to reveal.
2.5. These T&C comes into force after the Customer has registered in the system of Livil, read terms and conditions of the present T&C and expressed his/ her consent to comply with them electronically. The T&C is valid for an unlimited period, unless otherwise agreed by the Parties. The up-to-date version of the T&C and the Prices is always available on the Company’s Website and the Customer Account. Upon request of the Client, the T&C and the Prices may be provided to the Client anytime on paper or by e-mail at the address indicated by the Client.
2.6. The Customer confirms that he/ she supplied the correct data when registering in the system of Livil and, if there is a need to change or add data, the Customer will give correct data only. The Customer is liable for any losses that may occur due to submission of invalid data.
2.7. The Customer acknowledges and agrees that Livil operates solely as a payment intermediary and that Livil:
2.7.1. under no circumstances functions as a seller, buyer, dealer, retailer, auctioneer, supplier, distributor, manufacturer, broker, agent, or merchant of Customer product/service; and
2.7.2. makes no representations or warranties and does not ensure the quality, safety or legality of any Customer product/service.
2.7.3. In addition, you agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of:
(1) your Contributions;
(2) use of the Services;
(3) breach of these Legal Terms;
(4) any breach of your representations and warranties set forth in these Legal Terms;
(5) your violation of the rights of a third party, including but not limited to intellectual property rights; or
(6) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it. The Customer acknowledges and agrees that any dispute regarding any Customer’s product/service is between the sender and receiver of the funds and/or the supplier and receiver of the goods or services. Any transaction connected with the Customer’s products/services shall only obligate the Customer. Livil shall not be a party to any resulting dispute including but not limited to disputes over performance and liability issues relating to the delivery, quality, quantity, or use of the Customer products/services. Customer shall fully indemnify Livil against any loss or liability (including full reimbursement of any legal and professional costs) Livil suffers or incurs as a result of, or in connection with, any claim made or threatened by a third party relating to any Customer’s products/services, or any other breach of these Legal Terms by the Customer.
2.8. Livil intends to provide the following services:
2.8.1. Digital assets issuance and redemption;
2.8.2. Execution of payment transactions;
2.8.3. Issuing and/or acquiring payment instruments.
2.9. The features and more detailed information of the above indicated services provided by Livil shall be pointed out in the additional agreement between Livil and the Parties. Customer identification
2.10. Legal Person:
2.10.1. The Customers – legal persons- should have legal business qualifications, standardized internal management, sound financial systems, and good financial situation.
2.10.2. The Customers shall provide including, but not limited to the following information and documents to Livil:
2.10.3. Business licences or the extract from the public registers of the relevant authority about the Customer as legal entity, which shall indicate at least the basic information about Customer – registered name, registered location, registration number, tax registry number;
2.10.2.2. Tax registration certificates;
2.10.2.3 . Power of attorney which shows that the legal representative of the legal persons is enable to conclude this Agreement with Livil;
2.10.2.4. The filled Customer information questionnaire;
2.10.2.5 . Other information or documents, which Livil may request based on the individual circumstances and would allow Livil to verify the Customer’s identity.
2.11. Natural Person:
2.11.1. The Customers shall provide including, but not limited to the following information and documents to Livil:
2.11.2. ID card or passport of the legal representatives of the Customer, which shall indicate at least the basic information about the legal representative -name, surname, personal code, date of birth and etc.;
2.11.3. Power of attorney which shows that the legal representative of the legal persons is enabled to conclude this Agreement with Livil;
2.11.4. The filled Customer information questionnaire;
2.11.5. Natural person which wishes to open its personal account shall provide (not the representative of the legal person) shall indicate first name, last name and provide personal identification code when available (in other cases date of birth);
2.11.6. Other information or documents, which Livil may request based on the individual circumstances and would allow Livil to verify the Customer’s identity.
2.12. The Customer is liable for providing the information and documents requested by Livil. The Customer is liable that all information provided during the signup process, or any time thereafter must be accurate and truthful.
2.13. Livil has the right not to check the suitability of the Customer for the use of the Services in cases where the Customer does not provide the requested information and documents. Livil is under no obligation to provide the Services to an applicant Customer and may decline an application for Services in its sole discretion.
2.14. Once the documents and information provided by the Customer are checked by Livil, the Customer is entitled to start to use the Services provided by Livil and the Customer’s account.
2.15. The Customer is entitled to open one account unless Livil explicitly approves the opening of additional accounts.

3. Digital assets issuance and redemption terms

3.1. The Customer`s Account allows to deposit, transfer, keep funds in the Account for transfers, local and international cryptocurrency transfers executions, contribution payments, also receive cryptocurrency to the Account, settle for goods and services, and perform other operations directly related to cryptocurrency transfers. All the services provided by Livil may only be used by the Customer if the Customer has performed identification procedures in accordance with the rules established in the System of Livil.
3.2. Cryptocurrency held on Customer`s Account is considered Digital assets which shall be issued by Livil after the Customer`s transfer or deposit digital assets to Livil`s Account. After a deposit performed by the Customer or cryptocurrency transfer to Customer`s Account and after Livil receives the cryptocurrency, Livil credits it to Customer`s account, at the same time issuing Digital assets at the nominal value. The Digital assets is credited to and held on Customer`s Account.
3.3. The specific method of depositing or transferring funds to Customer`s Account is selected by the Customer in the Account by choosing particular function, which contains instructions for depositing cryptocurrency for each means of payment.
3.4. The nominal value of Digital assets coincides with the value of cryptocurrency deposited or transferred to Customer`s Account (after deduction of a standard Commission fee applicable to a particular payment means).
3.5. Digital assets held on Customer`s Account is not a deposit and Livil does not, in any circumstances, pay any interest for Digital assets held on Customer`s Account and does not provide any other benefits associated with the period the digital assets is stored.
3.6. At Customer`s request, Digital assets held on Customer`s Account shall be redeemed at their nominal value at any time, unless otherwise agreed by Livil and the Customer.
3.7. The Customer submits a request for redemption of Digital assets by generating a Payment order to transfer Digital assets from Livil`s Account to any other account specified by the Customer.
3.8. No specific conditions for redemption of Digital assets that would differ from the standard conditions for transfers and other Payment operations performed to the Customer`s Account shall be applied. The amount of redeemed or transferred digital assets is chosen by the Customer.
3.9. No additional fee for Digital assets redemption is applied. In the event of redemption of Digital assets, the Customer pays the usual Commission fee for a cryptocurrency transfer or withdrawal which depends on the method of Digital assets transfer or withdrawal chosen by the Customer. Standard Commission fees for cryptocurrency transfer or withdrawal are applied.
3.10. Provided that the Customer terminates this Agreement and applies with the request to close Livil`s Account and delete Customer`s Account from Livil System, or Livil terminates the provision of Livil`s Services to Customer and deletes Customer`s Account from Livil System in cases provided in the Agreement, cryptocurrency held on Customer`s Account shall be transferred to Customer`s bank account or to the account in another electronic payment system indicated by the Customer. Livil has the right to deduct from the repaid cryptocurrency the amounts that belongs to Livil (prices for Services provided by Livil and expenses which have not been paid by the Customer, including but not limited to, fines and damages incurred by Livil due to a breach of the Agreement committed by the Customer, which have been imposed by financial institutions and (or) other competent authority of state). In the event of a dispute between Livil and the Customer, Livil has the right to keep cryptocurrency under dispute until the dispute is resolved.
3.11. In case Livil fails to repay the cryptocurrency to the Customer due to reasons beyond the control of Livil, the Customer shall be notified thereof immediately. The Customer shall immediately indicate another account or provide additional information necessary to repay the cryptocurrency.
SENDING AND RECEIVING PAYMENTS Information which shall be indicated in the Payment order
3.1. Authentication data for accessing the Customer account are set by the Customer. Authentication data shall refer to:
3.1.1. Login name – phone number of the Customer set on the application form.
3.1.2. Password – a static alphanumeric string exclusively determined by the Customer. Livil shall not have access to the password, nor shall request it from the Customer at any time.
3.1.3. Special code that the Customer will receive to his / her mobile phone after initiating Payment transaction.
3.2. If the authentication data is incorrectly entered several times, Livil shall be entitled to block these authentication data. After thorough verification, the Customer shall be entitled to receive new authentication data on request.
3.3. Livil provides the Payment operations by the unique identifier – the code of the Account provided to the Customer by Livil
3.4. Livil is not liable if the unique identifier is not provided in the Payment order and / or it is incorrect, and / or the provider of payment services of the Recipient has set a different unique identifier for appropriate execution of such Payment operation (crediting funds to the payment account of the Recipient).
3.5. Livil has the right to request additional and / or other mandatory information (for example amount and currency, Recipient’s name, surname / name of the legal entity / code of the payment) which must be submitted to Livil in order to provide properly the execution of the Payment order.
3.6. Under this Agreement, Livil generally processes payment transactions for the Customer in non-cash form and exclusively in electronic form.
The consent for the Payment order and the cancellation of the Payment order
3.7. The Payment operation is considered to be authorized only when the Payer expresses its consent for the execution of Payment operation.
3.8. The consent may be provided to Livil in the form and manner agreed by the Parties. In case if the consent is provided in written, it shall be signed properly by both parties. The consent may be authorized by multi-factor Authentication including security elements of at least two of the following 3 categories:
3.8.1. knowledge (something the Customer knows) – secret code and/or password obtained when creating the Account;
3.8.2. possession (something only the Customer has) – token, code or password sent to the Customer’s verified device; and
3.8.3. inherence (something the Customer is) – Customer’s biometric recognition obtained when creating the Account,
3.9. The consent may be expressed in any other form and manner needed for the concrete Services and / or indicated in the additional agreement between the Parties.
3.10. The consent shall be expressed prior to the execution of Payment operation.
3.11. The procedure of cancellation of the Payment order:
3.11.1. the Payment order cannot be canceled after Livil receives it, except for cases provided in these T&C;
3.11.2. if the Payment operation had been initiated by the Recipient the Payer cannot cancel the Payment order after the Payment order has been sent or the Payer has given the consent to the Recipient to perform the Payment operation;
3.11.3. The Payment Order may be canceled only if the Customer (Payer) and Livil agree on this, however the consent of the Recipient is necessary.
Moment of receipt of the Payment order, Requirements applied to the Payment order and refusal to execute the Payment order
3.12. The Customer shall ensure that in his account there are enough funds necessary for the execution of the Customer’s instructions. If the Customer does not have sufficient funds at the moment when the Customer's instruction is presented, Livil has the right to refuse to execute the Customer's instruction, unless otherwise agreed by the parties.
3.13. Livil shall process transfer orders given by the Customer without undue delay, provided that at the moment of maturity there are enough funds in the Customer's account, from which the payment is to be debited. If there are not sufficient funds, Livil shall not execute the transfer order.
3.14. In case where the Customer is the Payer, the Payment order is considered received by Livil on the day of its reception, or, if the moment of reception of the Payment order is not the Business day of Livil, the Payment order is considered received on the nearest business day of Livil.
3.15. The Payment order that was received by Livil on the Business day of Livil, but not on business hours set by Livil, is considered received on the nearest business day of Livil.
3.16. Payment orders inside the system of Livil are executed immediately (up to a few minutes, unless the Payment operation is suspended due to cases set forth by legal acts and these T&C), regardless of business hours of Livil.
3.17. Livil has the right to record and store any Payment orders submitted by any of the means agreed on with Livil, and to record and store information about all Payment operations performed by the Customer or according to Payment orders of the Customer. Records mentioned above may be submitted by Livil to the Customer and/or third persons, who have the right to receive such data under the basis set forth in the legislation, as evidence confirming the submission of Payment orders and/or executed Payment operations.
3.18. Livil has the right to refuse to execute a Payment order in case of a reasonable doubt that the Payment order has been submitted by the Customer or an authorized representative of the Customer, Payment order or the submitted documents are legitimate. In such cases, Livil has the right to demand from the Customer to additionally confirm the submitted Payment order and/ or submit documents confirming the rights of persons to manage the funds held on the Account or other documents indicated by Livil in a way acceptable to Livil at expense of the Customer. Livil is not liable for the losses which may arise due to refusal to execute the submitted Payment order due to the reason of the refusal to provide additional information or documents by the Customer.
3.19. Livil has the right to involve third parties to execute the Payment order of the Customer partially or fully, if the Customer's interests and/ or the essence of the Payment order requires so. In the event that the essence of the Payment order of the Customer requires sending and executing the Payment operation further by another financial institution, but this institution suspends the Payment order, Livil is not liable for such actions of that financial institution but makes attempts to find out the reasons for the suspension of the Payment order.
3.20. Livil has the right to suspend and / or terminate the execution of the Payment order of the Customer, if required by law or in case it is necessary for other reasons beyond control of Livil.
3.21. In case Livil has refused to execute the Payment order submitted by the Customer, Livil shall immediately inform the Customer thereon or create necessary conditions for the Customer to get acquainted with such notification, except when such notification is technically impossible or forbidden by legal acts.
3.22. Livil shall not accept and execute Payment orders of the Customer to perform operations on the Account of the Customer if funds on the Account are arrested, the right of the Customer to manage the funds is otherwise legally limited, or in case operations are suspended by applicable legal acts.
3.23. If cryptocurrency transferred by the Payment order is returned due to reasons beyond the control of Livil (inaccurate data of the Payment order, the account of the Recipient is closed, etc.), the returned amount is credited to the Account of the Customer. Commission fees paid by the Payer for the Payment order execution are not returned, and other fees related to the returning of cryptocurrency and applied to Livil can be deducted from the Account of the Customer.
3.24. Payment transfers initiated by Livil may be standard and urgent. The manner of the Payment transfer is selected by the Customer. If the Customer does not select the Payment transfer manner, it is considered that the Customer has initiated a standard Payment transfer. The terms of the execution of Services
3.25. The terms of the execution of Payment operations and the duration of execution of other Services are set forth in these T&C, Prices list, and other additional agreements between the Parties.
3.26. When the Payment operation shall be executed in euro in the Republic of Lithuania and other Member States and the Customer is the Payer, Livil ensures that the amount of the Payment operation is credited to the account of the Recipient created by the Recipient’s payment service provider on the day of execution of the Payment operation and, if the Payment order execution date is not the Business day of Livil, the nearest Business day of Livil. When the Payment operation shall be executed in the currencies of non-euro area Member States in the Republic of Lithuania and to other Member States and the Customer is the Payer, Livil ensures that the amount that the amount of the Payment operation is credited to the account of the Recipient created by the Recipient’s payment service provider on the day of execution of the Payment operation and, if the Payment order execution date is not the Business day of Livil, then the nearest Business day for payment operations, but not later than within 3 (three) business days after receipt of the Payment order in Livil.
The limits of the costs of the Payment operations
3.27. The maximum limits of the costs of the Payment operations may be set in the additional agreements signed between Livil and the Customer. Additional use of measures of the identity verifications
3.28. The measures of the Customer’s identity verification provided by Livil may be used to confirm the identity of the Customer by providing information about the Livil`s provided Services and / or provided to the Customer in all manner specified by Livil (for example, by the telephone provided by Livil).
Blocking the Account and / or suspension of the Services to the Customer
3.29. The Customer shall co-operate with Livil to investigate any suspected illegal, fraudulent or improper activity.
3.30. Livil is entitled to block the funds collected on the Customer’s account as follows:
3.30.1. Livil has a suspicion that the funds collected on the Customer’s Account are intended for the commitment of a crime, resulted from the crime or participation thereon;
3.30.2. if there is a suspicion that an unauthorized payment transaction was carried out through the Customer’s account;
3.30.3. the Customer is in delay in discharging its obligations under this Agreement;
3.30.4. bankruptcy is declared in respect of the Customer's assets, restructuring is initiated, the bankruptcy petition is cancelled owing to the lack of funds for the remuneration of the trustee in bankruptcy, the Customer enters into liquidation, or the risk of insolvency on the Customer's side excessively increases within a short period;
3.30.5. for the purposes of corrective accounting and settlement;
3.30.6. the Customer is using Livil Services and fraudulent acts have been proved on the Customer's side or criminal proceedings are initiated against the Customer or its employees in the matter of fraudulent acts; or if actions of the Customer fail to comply with the rules of Livil banking partners and such conduct may cause Livil a damage.
3.31. Livil reserves the right to suspend, at any time and at its sole discretion, the Customer Account (or certain functionalities thereof such as uploading, receiving, sending and/or withdrawing funds), inter alia, for audit:
3.31.1. where Livil believes it is necessary or desirable to protect the security of the Customer account; or
3.31.2. if any transactions are made which Livil in its sole discretion deems to be:
(a) made in breach of this Agreement or in breach of the security requirements of the Customer Account; or
(b) suspicious, unauthorized, or fraudulent, including without limitation in relation to money- laundering, terrorism financing, fraud, or other illegal activities; or
3.31.3. upon the insolvency, liquidation, winding up, bankruptcy, administration, receivership, or dissolution of the Customer, or where Livil reasonably considers that there is a threat of the same in relation to the Customer; or
3.31.4. where anything occurs which in the opinion of Livil suggests that the Customer shall be unable to provide the Customer’s products/services and/or otherwise fulfil the contacts that it has with its Customers; or
3.31.5. if the transactions are for the sale of goods and/or services which fall outside of the agreed business activities of the Customer, or where the Customer presents a transaction and fails to deliver the relevant goods and/or services.
3.32. Livil will make reasonable efforts to inform the Customer of any such suspension in advance, or if this is not practicable, immediately afterwards and give its reasons for such suspension unless informing the Customer would compromise security measures or is otherwise prohibited by law or regulatory requirements.
3.33. In addition, Livil reserves the right (at its sole discretion) to suspend the Customer account (or certain functionalities thereof such as uploading, receiving, sending and/or withdrawing funds) at any time where it is required to do so under relevant and applicable laws and regulations. Livil will make reasonable efforts to inform the Customer of any such suspension unless Livil is prohibited from doing so by law or under an order from a competent court or authority.

4. Information provided to the customer about the Payments operations

4.1. Livil is obligated to provide the information to the Customer (before the execution of Payment order) about the possible maximum terms of the execution of certain Payment order, the payable Commission fees and how this Commission fees are split up. This information is available on the Website of Livil as well as in the personal Account of the Customer.
4.2. Livil may provide the extract to the Customer about the provided Payment operations, which show as follows:
4.2.1. the amount of the Payment operation in the currency indicated in the Payment Order;
4.2.2. The Commission fees payable for the Payment operations and how the Commission fees are split up;
4.2.3. the applicable currency exchange rate and the amount of Payment operation after the currency exchange rate, if case if during the execution of Payment operations currency was exchange;
4.2.4. the date of write down of funds from the Account;
4.2.5. the date of incomes to the Account;
4.2.6. other information which shall be provided to the Customer in accordance with the applicable legal acts of the Republic of Lithuania.
4.3. The extract may be provided through the Account of the Customer. In this case the Customer may be able to access and download the extract anytime.

5. Prices payable for the services provided by Livil, commission fee, interest, and currency exchange

5.1. Livil shall charge Prices related to its standard Services in accordance with this Agreement and the price list which is attached to this Agreement and shall be considered as an inseparable part of this Agreement. Livil shall charge individual Prices to the Customer for non-standards Services not defined herein and/or in the price list and the Customer shall be informed thereon before using such services.
5.2. Unless otherwise indicated, Prices are quoted in Euro.
5.3. For the Payment services and / or related services performed by Livil, the Customer shall pay the Commission fee to Livil. The Commission fee is indicated in the Prices list and / or the additional agreement with the Customer. In case if the Customer fails to fulfill its obligation to pay the Commission fee to Livil, the Customer shall pay to Livil penalties (the fines or default interest) set forth in the Pricing list, additional agreement and / or legal acts of the Republic of Lithuania.
5.4. Any Prices and Commission fee payable by the Customer shall be deducted from the Customer account balance. If the Customer account balance is insufficient, or the Customer account balance becomes negative, Livil reserves the right to invoice the Customer for any shortfall.
5.5. Where Livil has no possibility to deduct any Prices and / or Commission fee payable by the Customer for the provided Services from the balance of the Customer account Livil shall issue the separate invoice for the amount owed. Invoices are payable within 10 (ten) days of the date of the invoice. In case of overdue payments, Livil reserves the right to charge default interest in the amount of 0,05 % and/or terminate these T&C with immediate effect by giving written notice to the Customer.
5.6. In case if during the performance of the Payment operation there are not enough funds for execution of Payment operation and payment of Commission fee in the Account of the Customer, Livil shall have the right to refuse not to execute the Payment operation.
5.7. The currency exchange rates are provided to the Customer before the Payment order.
5.8. Currency exchange is based on the exchange rate of Livil, which is valid at the moment of conversion and is constantly updated and published on Website of Livil.
5.9. Livil applies the changed basic exchange rate of currency immediately without a separate notice.
5.10. In case if the currency in which the order to execute the Payment, operation is different than the currency in which the Account is debited, the conversion of such currencies shall be performed in accordance with the procedure established by Livil, which shall be published on the Website of Livil.

6. Communication between the parties

6.1. These General Conditions, all communication, information about any changes to the Services and the Prices information shall be announced in English. These general Conditions shall be executed in English. The Customer confirms that he accepts that the all the communication, including the personal communication between the Livil and the Customer, shall be executed in English.
6.2. The information shall be provided to the Customer personally or by announcing it publicly:
6.2.1. the information may be provided personally to the Customer through the Account of the Customer, sent by post to the address of the Customer registration address, via e-mail indicated during the process of application of the opening the Account, by call or SMS using telephone number indicated during the process of application of the opening the Account and other telecommunication instruments, including electronic means;
6.2.2. the information may be published on the Livil Website. The information provided publicly is considered to be duly delivered to the Customer, except the cases of mandatory requirements of the laws and other legal acts of the Republic of Lithuania and / or the cases when Livil is obligated to inform the Customer personally.
6.3. The Client acknowledges that any communication between Livil and the Customer shall take place primarily through the Account of the Customer and e-mail indicated during the process of application of the opening the Account. Disclosure of any information by Livil through the Account of the Customer and via the e-mail means that the relevant information is duly delivered to the Customer and is effective.
6.4. The Customer acknowledges that communication through the Account of the Customer may be done only if the Customer enters into its personal Account by using its login credentials or other requested personalized security credentials provided by Livil to the Customer due to the purpose of the Customer’s authentication.
6.5. E-mail communication is possible to addresses that are given on the website of the Livil and the e-mail addresses given by the Customer during the registration session to the Livil`s system. An e-mail message is considered to be duly delivered on the following Business Day.
6.6. In the case of communication by telephone, the Customer shall be verified based on the Customer’s data. Phone communication between Livil and the Customer is possible at times published on the Website of Livil. The message given to the Customer through telephone is considered to be duly delivered at the moment of the conversation with the Customer.
6.7. In case of communication through the post, letters are delivered to the other party’s address. The letter is considered to be duly delivered on the third days after the delivery of the notice informing that the letter cannot be delivered to the other party or that the letter was rejected or was not collected by the other party within the collection period, even if the addressee has no knowledge of the letter.
6.8. The information announced on the Website, Customer`s account as well as published publicly is considered to be duly delivered on the day of the announcing / publishing such information.
6.9. The Customer agrees that Livil may record, within prior notice, any ongoing communication between Livil and the Customer using any available technical means, and will archive all the records, as well as the copies of any information and documents that Livil will receive from the Customer and Third parties. The Customer agrees that Livil may at any time use this information for the purposes stated in these General Conditions or for ensuring compliance with these General Conditions.
6.10. The Customer is entitled to get the information about these General Conditions as well as the General Conditions itself in paper version or any other durable medium in which Livil is able to provide such information.
6.11. If the Customer would like to contact Livil about a concern relating to these General Conditions, the Customer may contact Livil via in-app support or email [email protected]. Livil will try to resolve any issues the Customers may have about their Account or the Services. Livil shall provide the answer within 15(fifteen) Business days of receiving Customer`s concern unless the concern is of a “simple” nature and can be resolved with 1 (one) Business Day from the receipt day. Livil shall inform the Customer if exceptional circumstances arise, in which case it may take up to 35 (thirty-five) Business days to address Customer`s concern.
6.12. The parties shall inform each other without undue delay of any changes to their contact information. Upon the request of Livil, the Customer shall provide the relevant documents proved that the contact information is changed. The failure to fulfill these obligations means that the notice sent on the basis of the latest contact information provided to the other Party is duly delivered and any obligation fulfilled in accordance with such contact information is executed properly. The Customer acknowledges that Livil has the right to inform about the change of its contact information by way of a public announcement.
6.13. In order to protect the Customer`s funds from the possible unlawful acts of third parties, the Customer shall immediately notify Livil in writing of the theft of his / her identity document theft or loss in another way.
6.14. The Parties must promptly inform each other of any circumstances relevant to the proper performance of these General Conditions. Upon the request of Livil, the Customer is obliged to provide the such circumstances (for example, a change of the sample signature of the Customer or the Customer`s representative, the initiation and setting-up of the Customer`s bankruptcy, the Customer`s liquidation, reorganization, conversion, etc.) regardless of whether this information has been provided to the public registers.

7. Change of fees, terms of this agreement, terms of services

7.1. This Agreement is subject to change from time to time.
7.2. Livil is entitled to change unilaterally this Agreement, applicable Fees and / or the terms of Services.
7.3. Livil is obligated to inform the Customer about the changes of this Agreement, applicable Fees and / or the terms of services that make the Customer’s situation difficult (e. g. increasing the current Fees) at least 60 (sixty) calendar days before such changes will entry into force.
7.4. Livil notifies the Customer about the changes of this Agreement, applicable Fees and / or the terms of services by publishing the information on its website, URL address: htto://www.L.cash/ and personally through the Account and / or by post and / or by electronically messages (e-mail, short message service (SMS), notification in the app of Livil) sent to the Client.
7.5. If no objection notice is received by Livil within the stipulated time frame, the Customer is deemed to have accepted the changes.
7.6. The Customer has the right to terminate this Agreement immediately at any time and without charges after receiving the information about changes and before any changes stipulated in provided information becomes effective.
7.7. The termination of this Agreement in accordance with the clause 7.6. shall not release the Customer from its obligations to Livil arising prior to the date of termination of this Agreement to be properly executed.
7.8. If the Customer does not use his right to terminate this Agreement in accordance with the clauses
7.9. of this Agreement, the Customer shall be deemed as accepted the changes to this Agreement, Fees and / or terms of Services made. If the Customer agrees with the changes to this Agreement, Fees and / or terms of the Services, then the Customer is not entitled subsequently to submit to Livil Customer’s objection and / or claims regarding the content of such changes.

8. Security and corrective measures

8.1. The Customer is responsible for the safety of devices used to log in to the Account, shall not leave them unattended, in public places or otherwise easily accessible to third persons.
8.2. It is recommended to update software, applications, anti-virus programs, browsers, and other programs in time.
8.3. It is recommended to protect devices with passwords, PIN codes or other safety instruments.
8.4. It is recommended to evaluate received emails with cautiousness, even if Livil is indicated as the sender. Livil will never request the Customer to download attachments or install software. Attachments to fraud e-mails may contain viruses which can harm devices or pose a risk to the safety of the Customer account.
8.5. It is recommended not to click on unknown links, open unknown documents, install software or applications from unknown, unreliable sources or visit unsafe websites.
8.6. If the Customer notices any suspicious activity on his account and thinks that third persons may have logged in to system for the using of the Services, the Customer shall:
8.6.1. immediately inform Livil thereof and request to block the Customer’s account;
8.6.2. in order to continue to use the account, the Customer shall change the password, use other additional account confirmation instruments or use safer instruments and delete unsafe additional login confirmation instruments. The blocking of the Account and the payment instrument, if the later has been given to the Customer
8.7. In addition to the provisions of 3.28 – 3.32, Livil has the right to block the Account (to stop the execution of the Payment operations at all or partly) and / or the payment instrument if such instrument has been given to the Customer in such cases as follows:
8.7.1. in case of the objectively justified reasons related to the security of the funds and / or the payment instrument in the Account, the alleged unauthorized or fraudulent use of the funds and / or the payment instrument in the Account;
8.7.2. in case if the Customer does not follow with the terms of the present T&C;
8.7.3. in case if Livil has the reasonable suspicions that funds in the Account may be used by the other persons for the unlawful actions, including but not limited to the commission of criminal activities;
8.7.4. in case of other basis set forth by the legal acts of the Republic of Lithuania and / or the cases indicated in the additional agreements signed between the Parties. The notices provided by the Customer regarding the unauthorized or improperly executed Payment operations
8.8. The Customer is obligated to check the information about the executed Payment operations at least 1 (one) time per month.
8.9. The Customer is obligated to inform Livil in writing about the unauthorized or improperly executed Payment operations, including the noticed mistakes, inaccuracies in the extract immediately from the acknowledge of such circumstances and in any case not later than 13 (thirteen) months from the date on which (in the opinion of the Customer) Livil executed unauthorized or improperly executed the Payment operation. The other terms of informing Livil about the circumstances described above may be used in cases where the Customer is the Consumer and, in the cases, set forth by the additional agreements signed between the Parties.
8.10. In case if the Customer does not notify Livil about the circumstances described in point 8.9. of these T&C within the terms indicated in these T&C and the additional agreements between the Parties then it shall be considered that the Customer unconditionally confirmed the Payment operations executed in the Account of the Customer. The liability of the Customer for unauthorized payment's operations and the liability of Livil for the unauthorized Payment operations
8.11. In case if the Customer is the Consumer and he denies the authorization of the executed Payment operation or declares that the Payment operation was executed improperly, Livil is obligated to prove that the Payment operation was authorized, it has been properly registered, entered in the accounts and was not affected by technical disturbances or other deficiencies in the Services provided by Livil.
8.12. In case if the Customer is the legal person the using of the identity verification measures and login credentials of the Account is the right prove, that the Customer authorized the Payment operation or was acting not honestly and due the intentionally or due to the gross negligence not fulfilled the obligations set forth in the points 8.1 – 8.6 of these T&C.
8.13. In accordance to the terms indicated in the point 8.9 of these T&C or having determined that the Payment operation was not authorized by the Customer, Livil without undue delay, but no later than by the end of the next Business day, return the amount of the unauthorized Payment operation to the Customer and, where applicable, - restores the balance of the Account from which this amount was written down and which would have existed if the unauthorized Payment operation had not been executed, unless Livil has reasonable suspicious of the fraud.
8.14. If the Customer is the Consumer, the Customer bears all the losses that have arisen due to unauthorized payment operations for up to 50 (fifty) Euros (€) if these loses have been incurred due to:
8.14.1. usage of a lost or stolen payment instrument;
8.14.2. illegal acquisition of a payment instrument if the Customer had not protected personalized security features (including identity verification instruments). If the Customer is not the Consumer, the Customer shall bear all losses for the reasons specified in this point, except as otherwise provided in these T&C and / or the additional agreements signed between the Parties.
8.15. The Customer is liable for any losses caused by unauthorized Payment operation if such losses incurred to the Customer due to the Customer’s not honest actions or acting intentionally or due to the gross negligence suffered from them acting in bad faith or intent, or due to gross negligence or not fulfilling one or more of the obligations set forth in the point 8.1-8.6 of these T&C and additional agreements signed between the Parties.
8.16. The Account may be blocked by the Customer’s initiative and / or the Account (including the payment instrument if such is given to the Customer) may be blocked if the Customer submits a respective request to Livil. Livil has the right to demand that the request submitted by the Customer's oral request to block the Account (including the payment instrument if such is given to the Customer) be subsequently approved in writing or in another manner acceptable to Livil.
8.17. If Livil has the reasonable doubts that the request indicated in the point 8.16 of these T&C is not submitted by the Customer, Livil has the right to refuse to block the Account (including the payment instrument if such is given to the Customer). In such cases, Livil shall not be liable for any losses that may result from the failure to comply with the said request.
8.18. Other terms of the liability of the Parties for the unauthorized Payment operations may be indicated in the additional agreements between the Parties. Liability of Livil for proper execution of Payment operation
8.19. In case if the of the improperly execution of the Payment operation and where the Customer is the legal entity, Livil is liable only due to the fault of Livil. Livil is not liable for third parties’ mistakes.
8.20. If the Customer initiating the Payment order executes a Payment order by identifying a unique identifier, such Payment order shall be deemed to be executed properly if it was executed according to the specified unique identifier. Livil has the right, but it is not obliged to check whether the unique identifier presented in the Payment order received by Livil corresponds to the Account holder's name and surname (name).
8.21. If the unique identifier is presented to Livil with the Account to be credited or debited from the Account, the Payment order is deemed to be executed properly if it was executed according to the specified unique identifier. If Livil carries out the said inspection (for example, in the prevention of money-laundering risk) and find out clear mismatch between the unique identifier submitted to Livil and the Account holder's name, Livil shall have the right not to execute such a Payment order.
8.22. If the Customer (Payer) initiates properly the Payment order and the Payment operation is not executed or executed improperly, Livil, at the request of such Customer, shall immediately and without charge take measures to trace the Payment operation and to inform about results of search the Customer.
8.23. Livil is liable for the properly initiated Payment order with the terms set forth by these T&C and / or additional agreements signed between the Parties.
8.24. Livil is liable for not applying the Commission fees or not giving back the already paid Commission fee in case the Payment order was not executed or executed improperly due to the fault of Livil.
8.25. Livil is not liable for the indirect losses incurred by the Customer and related to the not executed Payment order or improperly executed Payment order. Livil is liable only for the direct losses of the Customer.
8.26. Livil is not liable for claims raised between the Recipient and Payer and such claims are not reviewed by Livil. The Customer may submit the claim to Livil only regarding the non-performance or improper performance of the obligations of Livil.
8.26.1. Limitations of liability of Livil shall not be applied if such limitations are prohibited by the applicable law.
8.27. Conditions of refunding to the Payer the amounts of Payment Transactions initiated by or through the Recipient
8.27.1. The Customer (Payer) shall have the right to recover from Livil the full amount of the authorized and already executed Payment transaction initiated by or through the Recipient and the Payer shall not incur losses because of interest payable to or receivable from Livil, if both of the following conditions are met:
8.27.2. when authorizing the Payment transaction its precise amount is not specified;
8.27.3. the Payment transaction amount exceeds the amount which could have been reasonably expected by the Customer (Payer) considering his previous expenditure, terms and conditions of the contract and other circumstances, except for the circumstances relating to the exchange of currency, when upon executing the Payment transaction the currency exchange agreed between the Customer (Payer) and Livil was applied. If, upon giving his consent to execute the Payment transaction, the Customer (Payer) indicates the maximum permissible amount of such Payment transactions (one Payment transaction or several such Payment transactions executed over a certain period), it shall be considered that such particular maximum amount of the Payment transactions could have been reasonably expected by the Customer (Payer).
8.27.4. At the request of Livil, the Customer (Payer) must immediately provide information about the existence of the conditions specified in items 8.27.1.1-8.27.1.2 above.
8.27.5. The Customer (Payer) shall not be entitled to the refund of amounts of Payment transactions initiated by or through the Recipient under clause 8.27.1 of these T&C, if the Customer (Payer) has given consent directly to Livil and Livil or the Recipient has furnished the Customer (Payer) in the agreed manner with the information about the future Payment transaction or created conditions to get familiarized with it at least four weeks before the planned execution of the Payment transaction.
8.27.6. The Customer (Payer) shall have the right to ask Livil to refund the amount of the Payment transaction initiated by or through the Recipient within eight weeks of the day on which the funds were debited from the Account.
8.27.7. Upon receipt of the request of the Customer (Payer) to refund the Payment transaction amount, Livil shall refund the full amount within 10 (ten) Business Days of Livil or shall state the reasons for its refusal to refund such amount and the procedure of appealing against the refusal. Livil shall have the right to refund the amount of the Payment transaction to the Payer without investigating the conditions provided for in point 8.27.1.2 and clause 8.27.3 of these T&C and the fact of existence of the circumstances and to take into consideration only the respective request of the Payer. If the Payment transaction amount is refunded to the Payer the Commissions paid to Livil and related with the execution of such Payment transaction shall not be refunded.

9. Confidentiality

9.1. During the term of this Agreement and thereafter, each party shall use and reproduce the other party’s Confidential Information only for purposes of this Agreement and only to the extent necessary for such purpose and will restrict disclosure of the other party’s Confidential Information to its employees, consultants, advisors or independent contractors with a need to know and will not disclose the other party’s Confidential Information to any third party without the prior written approval of the other party.
9.2. Notwithstanding the foregoing, it will not be a breach of this Agreement for either party to disclose Confidential Information of the other party if required to do so under law or in a judicial or governmental investigation or proceeding.
9.3. The confidentiality obligations shall not apply to information that:
9.3.1. is or becomes public knowledge through no action or fault of the other party;
9.3.2. is known to either party without restriction, prior to receipt from the other party under this Agreement, from its own independent sources as evidenced by such party’s written records, and which was not acquired, directly or indirectly, from the other party;
9.3.3. either party receives from any third party reasonably known by such receiving party to have a legal right to transmit such information, and not under any obligation to keep such information confidential; or
9.4. information independently developed by either party’s employees or agents provided that either party can show that those same employees or agents had no access to the Confidential Information received hereunder.

10. Personal data protection

10.1. The Customer acknowledges that he has read Privacy Policy of Livil and it will comply with all the terms and conditions therein. We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.
10.2. Each party when acting as data processor shall process the personal data in accordance with the General Data Protection Regulation (GDPR) as well as in accordance with other applicable laws of personal data protection.
10.3. Where one party acts as the data processor of personal data processed by the other party as data controller, the data processor shall always follow the data controller’s reasonable instructions with regards to the personal data processed.

11. Term and termination

11.1. This Agreement may be terminated as follows:
11.1.1. by mutual agreement between parties;
11.1.2. upon the expiration of the period for which this Agreement was concluded, if the Agreement was concluded for a definite period;
11.1.3. if Livil or the Customer is dissolved without the legal successor;
11.1.4. upon expiry of Livil license to provide the Services;
11.1.5. by the termination notice given by one of the parties for any of the reasons specified below.
11.2. Livil shall be entitled to terminate this Agreement with the effect from the date of delivery of a termination notice to the Customer if:
11.2.1. the Customer files a petition for bankruptcy, becomes insolvent, or makes any arrangement or composition with or assignment for the benefit of its creditors, or a receiver is appointed for the Customer or its business, or the Customer goes into liquidation either voluntarily (otherwise than for reconstruction or amalgamation) or compulsorily;
11.2.2. the Customer breaches the Agreement or acts in contradiction with the Terms, and fails to provide remedy within the time limit specified by Livil;
11.2.3. Livil has a justified suspicion that the Customer or a person authorized to act on the Customer’s behalf behaves in contradiction with the binding legal regulations, good morals, principles of fair business, AML terms, or the Customer’s position has changed so that the Customer can no longer guarantee compliance with this Agreement;
11.2.4. the Customer has unpaid liabilities towards Livil;
11.2.5. the information provided by the Customer and used in this Agreement proves to be untrue, incomplete, inaccurate, and incomprehensible
11.2.6. fraudulent acting of the Customer was proved in relation to usage of the Customer’s account or criminal prosecution has been initiated for fraudulent acting of the Customer or his employees;
11.2.7. Livil would breach the rules or recommendations of its banking partners if continued to provide Livil services to the Customer.
11.3. The Customer shall be entitled to terminate this Agreement with Livil in writing with effect from the date of delivery of termination notice to Livil if:
11.3.1. Livil repeatedly and grossly violates this Agreement;
11.3.2. Livil loses its license to provide the Services;
11.3.3. Such events occur on the Customer's side that may affect the discharge of liabilities towards Livil (initiation of a bankruptcy, restructuring, foreclosure, liquidation, or criminal proceedings, etc.).
11.4. The termination of this Agreement shall not release the parties from their obligations to each other arising prior to the date of termination of this Agreement to be properly executed.

12. Governing law and disputes resolution

12.1. This Agreement is drawn up in accordance with the law of the Republic of Lithuania. Relationships not covered by these T&C are governed by the applicable legal regulations.
12.2. The disputes between Livil and Customer shall be solved through negotiations.
12.3. In case if the dispute cannot be solved through negotiations, the Customer can submit a complaint by post or e-mail, specifying Customer’s name, contact details, relevant information, which would indicate why the Customer reasonably believes that Livil violated the legal rights and interests of the Customer while providing the Services. The Customer can add other available evidence that justifies the need for such a complaint. If the Customer would like to submit a formal complaint, the Customer shall send the email to [email protected]
12.4. Upon receipt of a complaint from the Customer, Livil confirms receipt of the complaint and indicates the time limit within which the reply will be submitted. In each case, the deadline for submitting a reply may vary as it directly depends on the extent and complexity of the complaint filed, but the Livil will make the maximum effort to provide the response to the Customer within the shortest possible time, but not later than 15 (fifteen) business days. In case if Livil is not able to provide the final answer within 15 (fifteen) Business days, Livil shall inform the Customer about that and indicate the time when the answer will be provided, however the term shall not be longer than 35 (thirty-five) Business days.

13. Final provisions

13.1. Livil and the Customer are independent contractors under this Agreement, and nothing herein will be construed to create a partnership, joint venture or agency relationship between them. Neither party has authority to enter into agreements of any kind on behalf of the other.
13.2. Customer may not transfer or assign any rights or obligations he may have under this Agreement without Livil`s prior written consent. Livil reserves the right to transfer or assign this Agreement and all rights or obligations under this Agreement with prior notice to the Customer. The foregoing does not apply if either party changes its corporate name or merges with another corporation.
13.3. If any part of this Agreement is found by a court of competent authority to be invalid, unlawful, or unenforceable then such part shall be severed from the remainder of the Agreement, which shall continue to be valid and enforceable to the fullest extent permitted by law.
13.4. Neither party shall be liable for any economic loss, delay or failure in performance of any part of this Agreement to the extent that such loss, delay or failure is caused by fire, flood, explosion, accident, war, strike, embargo, governmental requirements, civil and military authority, Act of God, civil unrest, unavailability of public internet, hacking or distributed DoS attacks, inability to secure materials or labor, termination of vital agreements by third parties, action of the other party or any other cause beyond such party’s reasonable control.
13.5. In the event the force majeure circumstances last longer than three (3) months, either party is entitled to terminate this Agreement with a written notice of immediate effect.
13.6. This Agreement including all Schedules and other documents referred to herein, represents the entire agreement of the parties in relation to its subject matter. Each party acknowledges that it has entered into this Agreement in reliance only on the representations, warranties, promises and terms contained in this Agreement and, save as expressly set out in this Agreement, neither party shall have any liability in respect of any other representation, warranty or promise made prior to the date of this Agreement unless it was made fraudulently.

14. Intellectual property

14.1 OWNERSHIP OF CONTENT AND MARKS Intellectual property rights are a crucial aspect of our Services, and we take great care to protect our intellectual property as well as the intellectual property of others. As the owner or licensee of all intellectual property rights in our Services, we have the exclusive right to use, reproduce, modify, and distribute our Content and Marks. Our Content includes all the information, materials, and other resources that we make available through our Services, such as our source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics. Our Marks, on the other hand, include all the trademarks, service marks, and logos that are associated with our Services. To safeguard our intellectual property rights, we rely on the protection afforded by copyright and trademark laws, as well as various other intellectual property rights and unfair competition laws and treaties, both in the United States and around the world. These laws and treaties help us to prevent others from using, copying, or distributing our Content or Marks without our consent. It's important to note that our Content and Marks are provided to you in or through the Services 'AS IS' and are intended for your personal, non-commercial use or internal business purpose only. This means that you may not use our Content or Marks for any other purpose, including for commercial gain, without our express written permission. Any unauthorized use of our Content or Marks may result in legal action being taken against you. In summary, our intellectual property rights are a critical component of our Services, and we are committed to protecting them. By respecting our intellectual property rights and using our Content and Marks only as permitted, you can help us to maintain the integrity of our Services and continue to provide valuable resources to our users.
14.2 USE OF OUR SERVICES We understand that our users may wish to use our Services, Content, or Marks for purposes beyond personal, non-commercial use or internal business purposes. Therefore, we grant you a non-exclusive, non-transferable, and revocable license to access the Services and download or print a copy of any portion of the Content to which you have properly gained access, subject to your compliance with our Legal Terms, including the 'PROHIBITED ACTIVITIES' section below. However, unless we have expressly granted you prior written permission, you may not copy, reproduce, aggregate, republish, upload, post, publicly display, encode, translate, transmit, distribute, sell, license, or otherwise exploit any part of the Services, Content, or Marks for any commercial purpose. Doing so without our permission constitutes a material breach of our Legal Terms, and we reserve the right to take appropriate legal action to protect our intellectual property rights. If you wish to make any use of our Services, Content, or Marks beyond what is permitted in our Legal Terms, you must contact us through our support channels to request permission. If we grant you permission to reproduce, post, or publicly display any part of our Services or Content, you must acknowledge us as the owners or licensors of the Services, Content, or Marks, and ensure that any copyright or proprietary notice appears on the posting, reproduction, or display of our Content. Please note that we reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any unauthorized use of our intellectual property rights constitutes a material breach of our Legal Terms and may result in the immediate termination of your right to use our Services. In conclusion, we understand that our users may have legitimate reasons for using our Services, Content, or Marks beyond personal, non-commercial use or internal business purposes. However, we take our intellectual property rights seriously and require that all users comply with our Legal Terms, including our restrictions on commercial use. If you wish to use our Services, Content, or Marks beyond what is permitted in our Legal Terms, please contact us to request permission, and we will do our best to accommodate your request.
14.3 SUBMISSIONS AND CONTRIBUTIONS This section outlines the terms and conditions regarding the submission and posting of content through the Services, including Submissions and Contributions. By submitting any information or posting content through the Services, you agree to assign all intellectual property rights in such Submission to us. Contributions are defined as any content or materials submitted to the Services, including but not limited to text, writings, video, audio, photographs, music, graphics, comments, reviews, rating suggestions, personal information, or other material. By posting any Contributions, you grant us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and licence to use, copy, reproduce, distribute, sell, resell, publish, broadcast, store, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part), and exploit your Contributions for any purpose, commercial, advertising, or otherwise, to prepare derivative works of, or incorporate into other works, your Contributions, and to sublicense the licenses granted in this section. You are solely responsible for your Submissions and/or Contributions, and you agree not to post any illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening, sexually explicit, false, inaccurate, deceitful, or misleading content. You also agree to waive any and all moral rights to any such Submission and/or Contribution. You warrant that any such Submission and/or Contribution is original to you or that you have the necessary rights and licenses to submit such Submissions and/or Contributions, and that you have full authority to grant us the above-mentioned rights in relation to your Submissions and/or Contributions. You further warrant and represent that your Submissions and/or Contributions do not constitute confidential information. We reserve the right to remove or edit any Contributions at any time without notice if we consider them harmful or in breach of these Legal Terms. We may also suspend or disable your account and report you to the authorities if we remove or edit any such Contributions. You are responsible for any losses we may suffer due to your breach of this section, any third-party intellectual property rights, or applicable law.
14.4 COPYRIGHT INFRINGEMENT We take intellectual property rights seriously and strive to ensure that the Services do not infringe upon the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify us in writing with the following information: A description of the copyrighted work that you claim has been infringed; A description of where the material that you claim is infringing is located on the Services, with enough detail that we may find it on the Services; Your address, telephone number, and email address; A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. Please send your written notice to us at the following address: [email protected]. We will investigate your claim and may remove any infringing material from the Services at our sole discretion, without prior notice to the alleged infringer. Please note that this process is governed by the Digital Millennium Copyright Act, and you may be liable for damages, including costs and attorneys' fees, if you materially misrepresent that material is infringing your copyright.

15. Representations and warranties

When using the Services, you make the following representations and warranties:
All registration information you provide is true, accurate, current, and complete. You will keep your registration information up-to-date and accurate. You have the legal capacity to agree to these Legal Terms and will comply with them. You are not a minor in your jurisdiction of residence. You will not access the Services through automated or non-human means such as bots or scripts. You will not use the Services for any illegal or unauthorized purposes. Your use of the Services will not violate any applicable laws or regulations. Providing false, inaccurate, incomplete, or outdated information may result in the suspension or termination of your account and the denial of access to the Services, either temporarily or permanently.

16. User registration and account management.

Registration Requirements: In order to access and use the Services, you may be required to complete a registration process. During this process, you will be required to provide accurate and current information, including your name, email address, and any other information that we may require. You agree that you will maintain the accuracy and completeness of your registration information and promptly update any changes to your information as necessary Account Security: You are solely responsible for maintaining the confidentiality and security of your account and password. You agree to keep your password confidential and not share it with anyone else. You agree to notify us immediately if you suspect any unauthorized use of your account or any breach of security related to your account. We reserve the right to suspend or terminate your account if we believe that your account has been compromised or if you violate these Legal Terms. Username: When registering for the Services, you may select a username to use in connection with your account. You agree to select a username that is appropriate and not offensive or objectionable in any way. We reserve the right to remove, reclaim, or change your username if we determine, in our sole discretion, that your username is inappropriate, obscene, or otherwise objectionable. We take user registration seriously and expect all users to comply with the registration requirements and account security measures outlined in this section. Failure to comply may result in the suspension or termination of your account.

17. Purchases and payment

To use our Services, you may need to make purchases and provide payment information. We accept Visa, Mastercard, and SEPA as forms of payment. You agree to provide accurate and complete information about your purchases and account, including your payment method, email address, and payment card details. Please update this information promptly so we can complete your transactions and communicate with you as needed. We may add sales tax to the purchase price, as required by law.We reserve the right to change prices at any time and all payments must be made in Euros. By placing an order, you agree to pay the charges at the current prices and any applicable shipping fees. You authorize us to charge your chosen payment provider for any amounts owed upon placing your order. If your order involves recurring charges, you consent to us charging your payment method on a recurring basis until you cancel the order. We may correct any errors or mistakes in pricing, even if payment has already been received. We may refuse any order placed through our Services, and in our sole discretion, limit or cancel the quantity of items purchased per person, household, or order. This includes orders placed with the same customer account, payment method, and/or billing or shipping address. We also reserve the right to limit or prohibit orders that we believe are placed by dealers, resellers, or distributors.

18. Software license and use

We may provide software for use in connection with our Services. If such software is accompanied by an end-user license agreement (EULA), the terms of the EULA will govern your use of the software. If such software is not accompanied by a EULA, we grant to you a non-exclusive, revocable, personal, and non-transferable license to use such software solely in connection with our services and in accordance with these Legal Terms. Please note that any software and related documentation provided to you is provided 'AS IS' without warranty of any kind, either express or implied, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. You accept any and all risks arising out of the use or performance of any software. You agree not to reproduce or redistribute any software except in accordance with the EULA or these Legal Terms.

19. Prohibited activities

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavours except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:
  • Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
  • Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
  • Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
  • Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
  • Use any information obtained from the Services in order to harass, abuse, or harm another person.
  • Make improper use of our support services or submit false reports of abuse or misconduct.
  • Use the Services in a manner inconsistent with any applicable laws or regulations.
  • Engage in unauthorised framing of or linking to the Services.
  • Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
  • Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
  • Delete the copyright or other proprietary rights notice from any Content.
  • Attempt to impersonate another user or person or use the username of another user.
  • Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ('gifs'), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as 'spyware' or 'passive collection mechanisms' or 'pcms').
  • Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
  • Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
  • Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
  • Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
  • Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
  • Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorised script or other software.
  • Use a buying agent or purchasing agent to make purchases on the Services.
  • Make any unauthorised use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretences.
  • Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavour or commercial enterprise.

20. User generated contributions

The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, 'Contributions'). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available

any Contributions, you thereby represent and warrant that:
  • The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
  • You are the creator and owner of or have the necessary licences, rights, consents, releases, and permissions to use and to authorise us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms.
  • You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.
  • Your Contributions are not false, inaccurate, or misleading.
  • Your Contributions are not unsolicited or unauthorised advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
  • Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libellous, slanderous, or otherwise objectionable (as determined by us).
  • Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
  • Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
  • Your Contributions do not violate any applicable law, regulation, or rule.
  • Your Contributions do not violate the privacy or publicity rights of any third party.
  • Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.
  • Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.
  • Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation. Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

21. Contribution licence

By posting your Contributions to any part of the Services or making Contributions accessible to the Services by linking your account from the Services to any of your social networking accounts, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and licence to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorise sublicences of the foregoing. The use and distribution may occur in any media formats and through any media channels. This licence will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions. We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions. We have the right, in our sole and absolute discretion,
(1) to edit, redact, or otherwise change any Contributions;
(2) to re-categorise any Contributions to place them in more appropriate locations on the Services; and
(3) to pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions.

22. Mobile application licence

22.1 Use Licence If you access the Services via the App, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, and to access and use the App on such devices strictly in accordance with the terms and conditions of this mobile application licence contained in these Legal Terms. You shall not:
(1) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App;
(2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App;
(3) violate any applicable laws, rules, or regulations in connection with your access or use of the App;
(4) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the App;
(5) use the App for any revenue-generating endeavour, commercial enterprise, or other purpose for which it is not designed or intended;
(6) make the App available over a network or other environment permitting access or use by multiple devices or users at the same time;
(7) use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App;
(8) use the App to send automated queries to any website or to send any unsolicited commercial email; or
(9) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the App.
22.2 Apple and Android Devices The following terms apply when you use the App obtained from either the Apple Store or Google Play (each an 'App Distributor') to access the Services:
(1) the licence granted to you for our App is limited to a non-transferable licence to use the application on a device that utilises the Apple iOS or Android operating systems, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor’s terms of service;
(2) we are responsible for providing any maintenance and support services with respect to the App as specified in the terms and conditions of this mobile application licence contained in these Legal Terms or as otherwise required under applicable law, and you acknowledge that each App Distributor has no obligation whatsoever to furnish any maintenance and support services with respect to the App;
(3) in the event of any failure of the App to conform to any applicable warranty, you may notify the applicable App Distributor, and the App Distributor, in accordance with its terms and policies, may refund the purchase price, if any, paid for the App, and to the maximum extent permitted by applicable law, the App Distributor will have no other warranty obligation whatsoever with respect to the App;
(4) you represent and warrant that (i) you are not located in a country that is subject to a US government embargo, or that has been designated by the US government as a 'terrorist supporting' country and (ii) you are not listed on any US government list of prohibited or restricted parties;
(5) you must comply with applicable third-party terms of agreement when using the App, e.g. if you have a VoIP application, then you must not be in violation of their wireless data service agreement when using the App; and
(6) you acknowledge and agree that the App Distributors are third-party beneficiaries of the terms and conditions in this mobile application licence contained in these Legal Terms, and that each App Distributor will have the right (and will be deemed to have accepted the right) to enforce the terms and conditions in this mobile application licence contained in these Legal Terms against you as a third-party beneficiary thereof.

23. Social media

As part of the functionality of the Services, you may link your account with online accounts you have with third-party service providers (each such account, a 'Third-Party Account') by either:
(1) providing your Third-Party Account login information through the Services; or
(2) allowing us to access your Third-Party Account, as is permitted under the applicable terms and conditions that govern your use of each Third-Party Account. You represent and warrant that you are entitled to disclose your Third-Party Account login information to us and/or grant us access to your Third-Party Account, without breach by you of any of the terms and conditions that govern your use of the applicable Third-Party Account, and without obligating us to pay any fees or making us subject to any usage limitations imposed by the third-party service provider of the Third-Party Account. By granting us access to any Third-Party Accounts, you understand that
(3) we may access, make available, and store (if applicable) any content that you have provided to and stored in your Third-Party Account (the 'Social Network Content') so that it is available on and through the Services via your account, including without limitation any friend lists and
(4) we may submit to and receive from your Third-Party Account additional information to the extent you are notified when you link your account with the Third-Party Account. Depending on the Third-Party Accounts you choose and subject to the privacy settings that you have set in such Third-Party Accounts, personally identifiable information that you post to your Third-Party Accounts may be available on and through your account on the Services. Please note that if a Third-Party Account or associated service becomes unavailable or our access to such Third-Party Account is terminated by the third-party service provider, then Social Network Content may no longer be available on and through the Services. You will have the ability to disable the connection between your account on the Services and your Third-Party Accounts at any time. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY SERVICE PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY SERVICE PROVIDERS. We make no effort to review any Social Network Content for any purpose, including but not limited to, for accuracy, legality, or non-infringement, and we are not responsible for any Social Network Content. You acknowledge and agree that we may access your email address book associated with a Third-Party Account and your contacts list stored on your mobile device or tablet computer solely for purposes of identifying and informing you of those contacts who have also registered to use the Services. You can deactivate the connection between the Services and your Third-Party Account by contacting us using the contact information below or through your account settings (if applicable). We will attempt to delete any information stored on our servers that was obtained through such Third-Party Account, except the username and profile picture that become associated with your account.

24. Third-party websites and content

The Services may contain (or you may be sent via the Site or App) links to other websites ('Third-Party Websites') as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ('Third-Party Content'). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

25. Services management

We reserve the right, but not the obligation, to:
(1) monitor the Services for violations of these Legal Terms;
(2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities;
(3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof;
(4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and
(5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

26. Privacy policy

We care about data privacy and security. By using the Services, you agree to be bound by our Privacy Policy posted on the Services, which is incorporated into these Legal Terms. Please be advised the Services are hosted in Lithuania, Singapore, South Korea and United Kingdom. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in Lithuania, Singapore, South Korea and United Kingdom, then through your continued use of the Services, you are transferring your data to Lithuania, Singapore, South Korea and United Kingdom, and you expressly consent to have your data transferred to and processed in Lithuania, Singapore, South Korea and United Kingdom.

27. Modifications and interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services. We cannot guarantee the Services will be always available. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

28. Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

29. Disclaimer

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY
(1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS,
(2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES,
(3) ANY UNAUTHORISED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN,
(4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES,
(5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR
(6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGEMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

30. Miscellaneous

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defences you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

31. Contact us

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:


UAB Livil Pay
[email protected]