Terms & Conditions

1. General

PayiQ® Tickets application (hereinafter “Application”) is a payment method that can be downloaded to mobile devices for electronic money transfer. It is owned by PayiQ (hereinafter “Company”), business identification number 2564925-2. These terms of use are applied to the use of the Application. The Application offers you alternative methods to pay for the services and products sold by various vendors, such as Svea billing, credit and debit cards and mobile payment. You also agree to follow the terms of use of the selected payment method and vendor.

2. Parties of the Contract and Making a Contract

Contract has three parties: the Company, the vendor of the bought service and you, the customer.

A contract is made by registering as a user of the Application as explained later in section 4. By registering as a user of the Application you are advised to study these terms of use, accept them and simultaneously make a contract about using the Application with the Company.

3. Preconditions for Making a Contract

You have to be 18 years old which means that you are of age and plenipotentiary. Also 15-17 year olds can make a contract with the Company if they pay for the services with money earned from their own work.

The Company reserves the right to verify your identity if the current legislation requires it.

The Application can only be used for private use and for legal purposes.

The Application is personal and only you are allowed to use it. Underage children are allowed to use the Application if their parents agree to it and the Application is registered in their name.

4. Registering to Become a User of the Application

For registration you will need the following:

  • mobile device (e.g. smart phone)
  • mobile phone number
  • valid email address.

You are responsible for the accuracy and actuality of the information provided when registering. This applies for example to payment card and payment account numbers, your mobile phone number and email address. The Company is not responsible for the accuracy of the information.

You are obliged to immediately report all changes to your name, personal information, address and other contact information in written form, by email or with the help of the user interface of the Application. By accepting this contract you grant the Company the right to verify your personal information, address and creditworthiness in connection to each payment transaction.

The Company reserves the right to prevent the use of the Application if the information you have provided is incorrect or if you have payment default entries.

5. Safety Issues to Be Taken into Account when Using the Service

When you register to become a user of the Application, you must create your own PIN code and password for this application.

The PIN code cannot be something easily guessed such as 0000, 1234 or your date of birth.

The PIN code is personal and you may not reveal it to anyone. You must save your code carefully and in a way that outsiders cannot access or use it. The PIN code may not be written in your phone or be kept in a mobile device.

You are obliged to immediately report to the Company if your PIN code might have ended up in the hands of outsiders. The report can be made whenever by reporting the user account to be closed by email to sulkupalvelu@payiq.net. The report must be sent from the same email address you have used to register as a user. You will receive an email confirmation when the Company has closed the account.

Your account stays closed until you have been in contact with the Company’s customer service, which gives you guidelines on how to re-open your account. If suspected of misuse, the Company can close your account also without your personal request.

The Company will immediately notify you if your account has been closed. When using the Application you must follow also other terms of use that apply to you, such as the terms of use of a bank, operator or credit provider.

The Company never forwards your card numbers or personal identity number to outside parties. The card numbers are only transmitted in connection to a payment transaction to the bank, card provider, fraud prevention or credit provider dealing with the transaction.

All cookies and plug-in data must be deleted after using the Application.

To prevent misuse of the Application you are obliged to keep your mobile device in a way that outsiders cannot easily access the Application. If possible, you must lock your mobile device with a security code and you may not reveal the code to others.

You are personally responsible for the unauthorized use of the Application that has been caused by you forwarding the use of the Application to someone without authorization, by you neglecting the safekeeping of the PIN code or by you not having reported to the Company about the PIN code and the application potentially being forwarded to unauthorized persons.

You are not responsible for the unauthorized use of the Application after you have requested the Company to close your account and you have received confirmation about the closure as described before in the contract.

6. Right of the Payer to Cancel the Payment Instruction

As the payment instruction you make is immediately executed, it cannot be cancelled after you have accepted it. The company only acts as a payment mediator and the service vendor deals with refunding payments. The refunding process can be initiated by email or phone. You will find the vendor’s contact information in a receipt sent to your email.

7. Monitoring of the Payment Transaction and Obligation to Report

You are obliged to regularly monitor the payment instructions you have made with the Application and report to the Company if there is an unauthorized payment transaction with no unnecessary delay of its discovery.

If you discover that the payment transaction you have commissioned with the Application has been erroneous, you must immediately contact the company providing the payment method, for example the credit card of the bank that you have added to your account. The bank will investigate erroneous payment transactions.

8. Duration and Termination of Contract

The contract is in force until further notice.

You can terminate the contract within 30 days of the moment you have requested termination from the customer service of the Company by email. Please note that the contract does not terminate by deleting the Application from your mobile device.

The Company can terminate this contract within 30 days of the request of termination. The Company will confirm the termination by sending a confirmation to the email address you have provided when registering the Application.

The Company reserves the right to immediately cancel this contract if you have substantially violated the terms of this contract. Your contract and your right to use the Application ends when the Company has sent a termination confirmation to the email address you have provided during registration.

9. Immaterial Rights

The Company holds all immaterial rights to the Application it has developed, the system, the technology involved, contracts and documents that you can access on the basis of this contract.

10. Functioning of the Mobile Device and Information Security

You are responsible for the functioning of your mobile device. The Company is not responsible for the functioning of your mobile device or its connection to the network provider.

The Company is responsible for its own software and the information security connected to it.

11. Damages and Restriction of Damage

The Company is responsible for the indirect damages caused by its carelessness that are linked to such procedures of the Company that break the law or the contract and that have been reasonably anticipated by the Company, and its amount is restricted to 50 euros.

However, the Company is not responsible for the indirect damages caused by mistake or neglect that occurred in the execution of the payment instruction.

You are obliged to take reasonable measures in order to limit the damage. If you neglect the limitation of the damage, you are personally responsible for the damage in this part.

The Company is not responsible for damage that is caused by action of the authorities, interruption in public transport, strike, lockout, boycott, trade embargo or other reason that are as significant and unusual and that are not dependent on the Company.

12. Compensation Claims

Compensation claims aimed at the mediation of payment instruction are made by email to support@payiq.net. Compensation claims must be made in reasonable time after discovering a mistake in the mediation of payment instruction, but at the latest two months after the discovery of the mistake. Compensation claims must be made to the vendor of the service and their contact information is in the receipt sent to your email.

13. Court and Applicable Law

Finnish law is applied in this contract regardless of the country in which the Application is used.

If a dispute concerning the contract cannot be solved by negotiation, it will be solved in the district court under whose jurisdiction the Company’s registered office is located in or its administration is mainly taken care of. If your home residence is not in Finland, the disagreement will be dealt with in the district court under whose jurisdiction the Company’s registered office is located in or its administration is mainly taken care of.

14. Personal Information and Information Security

The Company collects and saves information about you that you have provided when registering into the Application.

The Company handles information in order to fulfil its obligations towards you in service, administration and invoicing and to fulfil its obligations as ordered by law and other regulations and to develop its own and its partners’ products and services. If it is necessary for the fulfilment of these obligations, the Company will provide information also to its partners. By accepting these terms you consent to using the information for the before mentioned purposes by the Company or its partners. You can cancel your agreement whenever by reporting it in written form to the customer service of the Company. The report must be sent by email to support@payiq.net.

You are entitled to receive information about your personal information registered the Company free of charge once a year. If the information is incorrect, incomplete or unnecessary, you have the right to request editing or deletion of the information.

Communication connected to the Application may also contain marketing. You can forbid marketing.

15. Contracts with Vendors

The Company is not responsible for the products and services sold by the vendors, their quality or delivery. The Company’s function in this service chain is only to mediate payment transactions. The Company is not responsible for the contracts between you and the vendor. You must discuss potential product returns, compensation claims and refunding of the purchase price with the vendor.

In an argument concerning you and the vendor the claims must be directed at the vendor. The Company is in no case responsible for a dispute or contract between you and the vendor or the contract obligations of the vendor.

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