# Content ## General {% content-ref url="/pages/-MZhJzEPJu3akjc6D2KF" %} [License agreement](/general/app-license) {% endcontent-ref %} {% content-ref url="/pages/-MZhKU8\_AqG7EkOF3YSK" %} [Rules on the use application](/general/app-rules) {% endcontent-ref %} {% content-ref url="/pages/-MZhNJZwuxan8UOYN3kY" %} [Privacy Notice](/general/privacy-policy) {% endcontent-ref %} ## Guides {% content-ref url="/pages/-MZbVjsXgmPc6awBoOzX" %} [App User Guide](/guide/app-guide) {% endcontent-ref %} {% content-ref url="/pages/-MZbWcV-rErQ2WEa5kGh" %} [Merchant's web portal Guide](/guide/portal-guide) {% endcontent-ref %} ## Help {% content-ref url="/pages/-MZgqMRxIxV9fSKmNRL6" %} [Any Other Questions? We Can Answer](/help/faq) {% endcontent-ref %} # License agreement Before using the application, please, read the terms of the license agreement below.\ Any use of the application means your full and unconditional acceptance of the terms of this license agreement.\ If you disagree with any the terms of the license agreement, you may not use the mobile application for any purposes. ## **1. General Terms** 1.1. This License Agreement («License») establishes the conditions for using the
mobile application («Application»), and is entered into between any person using the Application («User»), and IBA Group a.s, 2583/13 Petrzilkova St., Prague 5, 158 00, Czech VAT No. CZ27365824, the owner of the exclusive rights to the Application («Rightholder») 1.2. By copying the Application, installing it on his / her mobile device or using the Application in any manner, the User expresses his / her full and unconditional agreement to the terms of this License. 1.3. Using the Application is permitted only under the terms of this License. Unless the User accepts the license terms in full, he / she shall not use the Application for any purposes. Using the Application in violation (default) of any of the terms of this License is prohibited. 1.4. Use of the Application by the User under this License for commercial purposes is free of charge. Use of the Application on terms and in ways not provided for by this License will be allowed only on the basis of a separate agreement with the Rightholder. 1.5. By using the Application, the User agrees that the following documents, the terms of which are fully applicable to the use of the Application, are an integral part of this License: * Rules on the use Mobile application posted online at the web address * User Guide of Mobile application posted online at the web address * User Guide of Merchant's web portal posted online at the web address * Privacy Notice posted online at the web address These documents (including any parts thereof) may be changed unilaterally by the Rightholder without any further notice. The revised document shall become effective upon publication unless stipulated otherwise by a new version of the document. 1.6. The Rightholder may provide the User with a translation of this License from English into other languages, but in the event of any inconsistency between the terms of the License in English and its translation, the English-language version of this License shall prevail. ## **2. The rights to the Application** 2.1. The Rightholder shall has the exclusive rights to the Application. ## **3. License** 3.1. The Rightholder grants the User a simple (non-exclusive), non-transferable, free of charge license to use the Application anywhere in the world in the following ways: 3.1.1. Use the Application for its intended functionality, by copying it and installing it (reproducing) on the User’s mobile device(s). The User may install the Application on an unlimited number of mobile devices. 3.2. The User may not change the name of the Application, modify and/or delete a copyright notice or another indication of the Rightholder. ## **4. Limitations** 4.1. Except for use in the scope and in the manner expressly stipulated by this License, the User may not modify, decompile, disassemble, decrypt or perform other actions with the object code of the Application aimed at obtaining information on the implementation of the algorithms used in the Application, create derivative works based on the Application, as well as to otherwise use (allow to use) the Application, or any components of the Application stored by the Application on the user’s mobile device, without a written permission from the Rightholder. 4.2. The User has no right to distribute the Application in any way, including as part of Application compilations, without the written consent of the Rightholder. 4.3. The User may not distribute the Application in any form other than that in which he / she received it, without a written consent of the Rightholder. 4.4. The User may not to use the Application if a copy of it is received and installed not through the Google play market. 4.5. Upon using Application, the User shall not: 4.5.1. violate third party rights including underage people and/or cause harm in any way; 4.5.2. impersonate any other person or representative of an organization and/or community without being authorized to do so, including employees of Rightholder and/or acquiring service provider, for representatives of the partners of the Rightholder and apply any other forms and methods of unlawful representation of other persons online as well as mislead Cardholders and Rightholder regarding features and characteristics of any subjects or objects; 4.5.3. use authorization data that not belong to User, use electronic means of payment (including bank cards) without the physical presence of a Сardholder; 4.5.4. collect and store personal data of other persons without proper authorization; 4.5.5. disrupt the normal operation of the Application, including: 4.5.5.1. install on the mobile device on which the Application is installed any software / firmware intended for gaining access to functions not intended for the User; 4.5.5.2. upload to the mobile device on which the Application is installed, pirated software or illegal content; 4.5.5.3. install malicious applications on the mobile device on which the Application is installed; 4.5.5.4. carry out photo and video recording of events on-screen of the mobile device during the operation of the Application. 4.5.5.5. install other applications from unreliable sources on the device on which the Application is installed. 4.5.5.6. assist any actions to violate any restrictions and prohibitions imposed by this License; 4.5.5.7. otherwise violate legal standards including international law. ## **5. Terms of the Application’s specific functions use** 5.1. Certain functions of the Application may only be available when connected to the Internet. It is the User’s sole responsibility to obtain and pay for such Internet connection under the terms and according to rates of his / her cellular communications provider or Internet service provider. 5.2. The Application provides the User, within the framework of a contract with his acquiring service provider, the ability to accept payments made by Сardholders using bank cards. 5.3. The Rightholder is not responsible for the content and / or relevance of the configuration parameters necessary for accepting payments using the Applications provided by the acquiring service provider. The Rightholder is not responsible for the content and / or relevance of the information provided by the acquiring service provider, including information on the cost of the services of the acquiring service provider, as well as their current availability. 5.4. The User interacts with the acquiring service provider to receive acquiring services and to conclude the necessary contract independently (without the participation of the Rightholder) in accordance with the rules for the provision of services adopted by the acquiring service provider. 5.5. The Rightholder is not responsible for financial and any other operations performed by the User and the acquiring service provider, as well as for any consequences of the acquisition of the acquiring service by the User from the relevant provider. 5.6. The User is hereby notified, understands and agrees that the Application may collect anonymized statistical and monitoring data on the use of the Application, as well as on the mobile device on which the Application is installed and automatically transfer them to the Rightholder. 5.7. The User understands that he/she has independently selected the mobile device on which the Application is used. Consequently, the User is hereby notified and agrees that the Rightholder is not responsible for the quality of the used mobile device, its hardware components, which may result in errors, interruptions in work, slow and low-quality operation of the Application or its individual components and/or features. ## **6. Liability under the License** 6.1. The Application is provided on «as is» terms. The Rightholder makes no warranties with regard to error-free and smooth operation of the Application, or its individual components and/or features, the Application’s match to specific goals and expectations of the User, safety of files and/or data of the User and offers no other warranties not expressly set forth in this License. 6.2. The Rightholder is not liable for any direct or indirect consequences of any use, or inability to use the Application, and/or damage sustained by the User and/or third parties as a result of any use, failure to use, or inability to use the Application or its individual components and/or features, including situations due to possible errors or failures in the Application. 6.3. This License and all relations associated with the use of the Application are governed by the laws of the Czech Republic. ## **7. Updates / new versions of Application** 7.1. This License applies to all future updates / new versions of the Application. By agreeing to install an update, or a new version of the Application, the User accepts the terms of this License to such updates / new versions of the Application, unless such an update or install of a new version of the Application is accompanied by another license agreement. ## **8. Changes to the terms of this License** 8.1. This License Agreement may be changed by the Rightholder unilaterally. These changes in the terms of the license agreement shall come into force from the date of publication, unless otherwise specified in the relevant publication. IBA Group a.s\ 2583/13 Petrzilkova St., Prague 5, 158 00, Czech\ VAT No. CZ27365824 Date of publication: 06/01/2020\ № 244-144/2020 # Rules on the use application ## **1. General Terms** 1.1. These Rules (hereinafter referred to as the Rules) constitute a proposal of IBA Group a.s. (hereinafter referred to as IBA Group) to an mobile device user (hereinafter referred to as the User) to use the
mobile application (hereinafter referred to as the Application). 1.2. The User’s work with the Application is subject to these Rules and the following documents of IBA Group: * License agreement to use Mobile application posted online at the web address * User Guide of Mobile application posted online at the web address * User Guide of Merchant's web portal posted online at the web address * Privacy Notice posted online at the web address (hereinafter referred to as the “Regulatory Documents”). 1.3. When starting using the Application / its certain functions, the User is deemed to have accepted these Rules and the terms of the Regulatory Documents, in full, without qualification or exception. If the User disagrees with any provision of the Rules and/or Regulatory Documents, the User shall not use the Application. 1.4. IBA Group may, at any time without notice to the User, amend these Rules, and IBA Group may, at any time without notice to the User, amend the Regulatory Documents. The risk of failing to read a revised version of the Rules and Regulatory Documents shall be borne by the User; continued use of the Application once the Rules or Regulatory Documents were amended shall constitute consent to the revised version thereof. 1.5. The User shall stop using the Application, if it disagrees with any amendments to these Rules made by IBA Group in the manner prescribed by cl. 1.4 hereof. 1.6. The Application provides the User, within the framework of a contract with his acquiring service provider, the ability to accept payments made by Сardholders using bank cards. All currently available functions of the Application as well as any developments thereof and/or newly added functions are subject to these Rules. 1.7. Depending on the payment scheme, to which the bank card belongs, acquiring service provider, the User’s region, any or all functions of the Application can be inaccessible or restricted. The functions are deemed to be inaccessible (restricted) for the User, if such User is unable to use them explicitly. It is prohibited to apply any technical and software-based methods to circumvent these restrictions. The provisions of these Rules governing functions of the Application that are inaccessible (restricted) for the User shall not be applied until such functions become explicitly accessible for the User. 1.8. By using the Application, the User gives its consent to receive advertising messages. 1.9. IBA Group does not guarantee that Application will work without interruptions, promptly, sustainably and without errors. 1.10. IBA Group does not responsible for a complete stop of the Application that arose as a result of actions taken by the acquiring service provider. 1.11. The Application can only be used on mobile devices running the Android 8.0 operating system and higher (but strong recommendation to use Android 10.0 or higher, due to the fact that Google stopped supporting Android 8 and 9), that equipped with NFC interface (NFC module with an antenna are native to and embedded in a an mobile device) and supported Google Play services. 1.12. The User independently bears the risk for the quality of the used mobile device, its hardware components, which can lead to errors, interruptions in work, slow and low-quality operation of the Application or its individual components and / or functions. 1.13. The User is notified that the IBA Group can stop using the Application on mobile devices on which operating systems that do not meet the requirements are installed: * international payment systems Visa and Mastercard within the framework of the programs "Tap to Phone" and "Tap on Phone" solutions, respectively; * Payment Card Industry, as part of the Contactless Payments on Commercial Off-the-Shelf program and that have hardware components that create vulnerabilities in the use of the Application. 1.14. The User understands that IBA Group may temporarily or completely stop the use of the Application on mobile devices, the state of which or because of the actions of the User creates a threat to secure payment acceptance. 1.15. If the User suspects that an unauthorized access to a mobile device or mobile application has occurred, as well as in the case the mobile device is lost or stolen, the User must report the incident to the aсquiring service provider. ## **2. User authentication function and MPIN changing** 2.1. The User may be able to access the authentication function by login and password (hereinafter referred to as “MPIN”), in which case the User must enter the appropriate details. 2.2. At the first login, the Application may suggest to change the default MPIN. The User can skip this step and change the MPIN later. 2.3. The User shall be responsible for security (resistance to selection) of the password of access to User’s account, and also ensures it confidentiality. The User shall be responsible for any actions (and their consequences) in and with Application through the User’s account including voluntary transfer by the User of information required to access the User account to third parties on any conditions (including by contracts or agreements). Any actions in or with Application performed through the User’s account shall be considered done by the User. ## **3. Mobile device initialization function** 3.1. In order to use the Application / its certain functions, the User must pass the initialization procedure for registering User’s mobile device and activating it as a payment terminal for banking cards. 3.2. In order to successfully complete the registration of a mobile device and activate it as a payment terminal, the User needs to enter a verification code in the verification form. The way the User receives the verification code is determined by the acquiring service provider. ## **4. Function of Contactless Payment** 4.1. Before accepting a cashless payment, the User is required to enter the payment amount. To make a payment, the User must suggest the Consumer (hereinafter referred to as “Cardholder”) to tap a contactless bank card to the side of the mobile device on which the NFC module with the antenna is located. 4.2. The User must request Cardholder verification by the Personal identification number (hereinafter referred to as “PIN code”) entering if the amount of the payment exceeds the relevant limits established by the acquiring service provider. In this case: 4.2.1. the User must give the mobile device to the Cardholder to enter the PIN code using the virtual keyboard; 4.2.2. before Cardholder enters PIN code, the User must pay his/her attention to the fact that for security purposes a keyboard with a random arrangement of digits is used, as well as to be careful so that there are no third parties nearby who can spy on the entered data. For this, the Cardholder can be recommended to cover the screen with his/her hand when entering data; 4.2.3. the User must monitor the timely entry (without long pauses) of the PIN code by the card holder; 4.2.4. the User is prohibited from: • to require the Cardholder to provide a PIN code;\ • to look at the input data;\ • to take an external photo, video shooting of the process of entering a PIN code; 4.2.5. if the Cardholder refuses to enter the PIN code or the Cardholder makes long pauses during entry, the User or Cardholder must interrupt the operation. 4.3. Depending on the established permissions by payment systems, the User may be able to make a cashless payment by entering the details of a bank card. In this case: 4.3.1. the following card details are indicated: • Personal account number (hereinafter referred to as “PAN”);\ • expiration date. 4.3.2. the User must give the mobile device to the Cardholder to enter the card data using the virtual keyboard; 4.3.3. before the Cardholder enters card data, the User must pay his/her attention to the fact that for security purposes a keyboard with a random arrangement of digits is used, as well as to be careful so that there are no third parties nearby who can spy on the entered data. For this, the Cardholder can be recommended to cover the screen with his/her hand when entering data; 4.3.4. the User is prohibited from: • to require the Cardholder to provide the card data (except for the data necessary for reconciling information with a receipt);\ • to look at the input data;\ • to take an external photo, video shooting of the process of entering a card data; 4.4. The Application may allow the User to send a receipt, with the payment result send to the mobile phone number, email address of the Cardholder or display it on the screen of the mobile device. 4.5. The User must verify the card information on the receipt on the screen of the Application with the data on the card (first 6 digits and last 4 digits of PAN). ## **5. Reversal and refund functions** 5.1. The payment cancel operation (hereinafter referred to as “Reversal”) by the User can be performed before closure of a shift in the following cases:\ • by the Cardholder’s initiative;\ • an error was made when the sum was entered, but the transaction has been over;\ • data mismatch in the card and in the identity document (name and surname);\ • the card number in the receipt differs from that indicated in the card. 5.2. Operation “Refund” by the User can be performed, in case if a Cardholder returns the article/service paid with the use of the card already after the end of a shift, or if only a part of the amount should be refunded to the Cardholder for the fulfilled transaction. Being so, the mandatory condition of the aforesaid transaction performance includes reconciliation of the card number (first 6 digits and last 4 digits of PAN), which will be used for fulfillment of this transaction with the card number in the check for the respective payment transaction. 5.3. If the operation Reversal or Refund was rejected due to any reason, in this case an attempt of transaction performance should be repeated, or the required sum should be return by another form of payment (for example, in cash). ## **6. The end of a working shift (business day) function** 6.1. Viewing the list of completed transactions in the current work shift can be done by the User using the Application. 6.2. According to the results of operations performed per day (shift), the User must close the business day (shift), as a result of which the electronic registry of operations will be sent to the processing center. IBA Group a.s\ 2583/13 Petrzilkova St., Prague 5, 158 00, Czech\ VAT No. CZ27365824 Publication date 06/01/2020 # Privacy Notice Privacy Notice for Users Who Apply or Sign Up for IBA account This Privacy Notice describes how IBA Group a.s. and our affiliates (collectively, “IBA,” “we,” and “us”) collect, use, disclose, transfer, store, retain or otherwise process your information when you (whether you are a person acting as a sole proprietor or on behalf of another business entity) apply or sign up for a Merchant account and other IBA Group services through IBA Group’s website or applications (collectively, “Services”). This Privacy Notice applies to information collected in connection with your access to and use of our Services. Please read this Privacy Notice carefully. By continuing to interact with our Services, you are consenting to the practices described in this Privacy Notice. ## INFORMATION WE COLLECT ABOUT YOU > We use your data to make Services work better for you and for others. This describes what data we get about you (which can vary depending on where you live). ### **Information You Provide** > We use data you put into our systems when you open and use an account or other systems, like financial or tax information, information that identifies who you are, transaction information, and any other data you give us. We collect information you provide when you: * Make a request to receive information about IBA or our products; * Apply or sign up for a IBA Group account or other Services; * Go through our identity or account verification process, authenticate into your account, communicate with us, answer our surveys, upload content, or otherwise interact with the Services. We call this information **Merchant Account Data**. Specifically, we collect (and/or have collected during at least the 12-month period preceding the effective date of this Privacy Notice) the following categories of information: * **Identification Information**, such as: * Name, email address, postal and legal addresses, and phone number; * Taxpayer Identification number, or other government-issued identification number, or acquerer-issued identification number; {% hint style="warning" %} We believe that this information does not fall under the Personal Information category as defined by the General Data Protection Regulation since you are using the Services as a business entity. {% endhint %} * **Transaction Information**, such as information about when and where payment transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, billing and shipping information, and the devices and payment methods used to complete the transactions. * **Other Information You Provide**, such as information that you voluntarily provide to us, including your survey responses; participation in contests, promotions, or other prospective seller marketing forms or devices; suggestions for improvements; referrals; or any other actions you perform on the Services. ### **Information We Collect From Your Use of the Services** > We also get data from the devices you use when you interact with our systems, like your location or information about the device you’re using. We need this data to help protect your account from hackers, combat fraud, check if payments are being made or received legally and by you, and making our products and services better for you and others. * **Commercial information**, such as information about your payment transactions (e.g., when and where the transactions occur, a description of the transactions, the payment or transfer amounts, billing and shipping information, and payment methods used to complete the transactions); * **Electronic information**, such as web browser and device characteristics, including hardware model, operating system and version, device name, unique device identifier, device fingerprint, mobile network information, and information about the device’s interaction with our Services. * **Geolocation data**, which includes the location of your device. For more information and to learn how to disable collection of location information from your mobile device, please see below; * **Internet or other electronic network activity information**, which includes information about how you use and interact with our Services, including your access time, “log-in” and “log-out” information, browser type and language, the domain name of your internet service provider, other attributes about your browser, any specific page you visit on our platform, content you view, features you use, the date and time of your use of the Services, your search terms, and the website you visited before you visited or used the Services; * **Online identifiers** (e.g., information you use to log in to your account), Internet Protocol (“IP”) address, and unique personal identifiers (including device identifier; cookies, beacons, pixel tags, mobile ad identifiers and similar technology; customer number; unique alias, and other identifiers); * **Professional or employment-related information**, such as information you provide about your business and your employees; and * **Inferences** drawn from any of the information above to create a profile about you that may reflect, for example, your preferences, characteristics, and behavior, including for account security purposes or to enhance our Services to you. ## INFORMATION WE MAY COLLECT ABOUT YOUR CUSTOMERS We also obtain information about your customers on your behalf when they transact with you. We call this information **Your Customers’ Data**. We collect Your Customers’ Data when they transact with you through your use Services, for instance when they make a payment at your establishment. The particular Customer Data we collect will vary depending on how you use our products and services and which products and services you use. Your Customers’ Data may include: * **Financial Information**. Payment card numbers, and payment history. * **Transaction Information**. When Your Customers use IBA's mobile application to make or record payments to you, we collect information about when and where the transactions occur, the names of the transacting parties, a description of the transactions which may include item-level data, the payment or transfer amounts, billing and shipping information, and the devices and payment methods used to complete the transactions. ### **Information Your Customers May Provide IBA** * **Identification information**. Your customers’ email address, or telephone number, to send digital receipts. ## SOURCES OF INFORMATION WE COLLECT ABOUT YOU > We collect your information from you and the other sources listed below. We collect (and/or have collected during at least the 12-month period preceding the effective date of this Privacy Notice) information about you from the following categories of sources: * You directly, when you submit information to us or allow us to access information about you; * Your devices and applications when you interact with our website or use our Services; * Our group companies and affiliates; * Other sources, including: * Banks and financial institutions; * Solution Partners who integrate with IBA's solution. ## HOW WE USE YOUR INFORMATION > We use your data to make sure the products you are using work, help you log in to your account, verify who you are, secure your data and Customers' Data, fight fraud, follow the law, comply with the requirements of payment systems, enforce our agreements, figure out what new products we can build, and market products to you that we think could make it easier for you to run your business. We may collect, use and share (or have collected, used or shared during at least the 12-month period preceding the effective date of this Privacy Notice), information about you for the following reasons: ### **Performing, Improving and Developing our Services** * Delivering the information and support you request, including technical notices, security alerts, and support and administrative messages such as to provide assistance for problems with our Servicest; * Determining whether the Services are available in your country; * Developing new products and services; * Displaying your historical transaction or appointment information; * Improving, personalizing, and facilitating your use of our Services; * Processing or recording payment transactions or money transfers; * Providing, maintaining and improving our Services, including our website; * Doing internal research, measuring, tracking, and analyzing trends and usage; and * Otherwise providing you with the IBA products and features you choose to use. ### **Communicating with You About our Services** * Sending you surveys and getting your feedback about our Services; * Providing information about and promoting our Services to you; and * Sending you information we think you may find useful or which you have requested from us about our products and services. ### **Protecting our Services and Maintaining a Trusted Environment** * Conducting investigations, complying with and enforcing applicable laws, regulations, legal requirements and industry standards, and responding to lawful requests for information from the government or to valid legal process; * Contacting you to help you with our Services; * Debugging to identify and fix errors that impair how our Services function; * Making sure you follow our [License agreement](https://docs.tapxphone.com/v/en/general/app-license) or other applicable agreements or policies; * Investigating, detecting, preventing, recovering from or reporting fraud, misrepresentations, security breaches or incidents, other potentially prohibited, malicious, or illegal activities, or to otherwise help protect your account, including to dispute chargebacks on your behalf; * Protecting your, our, our customers’, or your customers’ rights or property, or the security or integrity of our Services; * Verifying or maintaining the quality and safety of our Services; and * Verifying your identity (e.g., through government-issued identification numbers). ### **Advertising and Marketing** * Marketing our Services to you; and * Communicating with you about opportunities, products, services offered by us and select partners. If we send you marketing emails, each email will have instructions on how you can “opt out” of getting future marketing from us. ### **Other Uses** * For any other reason we may tell you about from time to time. ## WHEN AND WITH WHOM WE SHARE YOUR INFORMATION > We share your information with others in the circumstances described in this section. For example, with other people with whom you interact when you use our services; with service providers who help us run our services; or if we need to share your information to comply with the law. We may share the personal information described in the [“Information We Collect About You”](#what) section with the following categories of service providers and third parties: ### **With other Users of our Services with Whom You Interact** * With other users of our Services with whom you interact through your own use of our Services. For example, we may share information with your customers when you accept a payment, or money transfer using our Services. ### **With our Affiliates and Group Companies** * With our group companies and corporate affiliates, for the reasons outlined above. For example, we may share your information internally to understand how you engage with IBA company products to help make our Services better for you and for everyone, and to help us build Services tailored to your preferences. ### **With our Service Providers** * With service providers who help us provide, maintain, and improve our Services, as well as financial institutions, payment networks, payment card associations, credit bureaus, partners and other entities that help us provide the Services ### **Safety and Compliance with Law** * If we believe that disclosure is reasonably necessary (i) to comply with any applicable law, regulation, legal process or governmental request (e.g., from creditors, tax authorities, law enforcement agencies, in response to a garnishment, levy, or lien notice, etc.); (ii) to establish, exercise or defend our legal rights; (iii) to enforce or comply with our [License agreement](https://docs.tapxphone.com/v/en/general/app-license) or other applicable agreements or policies; (iv) to protect our or our customers’ rights or property, or the security or integrity of our Services; (v) for an investigation of suspected or actual illegal activity; or (vi) to protect us, users of our Services or the public from harm, fraud, or potentially prohibited or illegal activities. ## **With Your Consent** * With your consent. For example: * At your direction or as described at the time you agree to share; or * When you authorize a third party application or website to access your information. ### **With Others** * With other companies who deliver services on our behalf, including via the use of cookies and similar automated technologies. ### **Aggregated and Anonymized Information** * We also may share (within our group of companies or affiliates, or with service providers or other third parties) aggregated and anonymized information that does not specifically identify you or any individual user of our Services. ### **COOKIES AND OTHER SIMILAR TECHNOLOGIES** > Digital cookies and similar technologies help us make our services better to use by doing things like recognizing when you’ve signed in, analyzing how you use our services so we can make them more useful to you, giving you a more personalized experience, and making our ads to you work better. When you interact with our online services, or open emails we send you, we obtain certain information using automated technologies, such as cookies, web server logs, web beacons and other technologies. A “cookie” is a text file that websites send to a visitor’s computer or other internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. A “web beacon,” also known as an internet tag, pixel tag, or clear GIF, is a tiny graphic image that may be used in our websites or emails. We use these automated technologies to collect your device information, internet activity information, and inferences as described above. These technologies help us to: * Remember your information so you do not have to re-enter it; * Track and understand how you use and interact with our online services and emails; * Tailor our online services to your preferences; * Measure how useful and effective our services and communications are to you; and * Otherwise manage and enhance our products and services. Your browser can alert you when cookies are placed on your device, and how you can stop or disable them via your browser settings. Please note, however, that without cookies all of the features of our online services may not work properly. If you use a mobile device, you can manage how your device and browser share certain device data by changing the privacy and security settings on your mobile device. You can learn more about cookies and how to manage your preferences by visiting [http://www.allaboutcookies.org](http://www.allaboutcookies.org/). ## HOW LONG WE KEEP YOUR INFORMATION > We keep your information as long as you keep using our products and services. After that, we keep it for as long as we need it in order to fight fraud, collect the fees you owe, follow the law, enforce our agreements and defend our rights in court. We generally keep your information as long as reasonably necessary to provide you the Services or to comply with applicable law. However, even after you deactivate your Merchant account, we can retain copies of information about you and any transactions or Services in which you may have participated for a period of time that is consistent with applicable law, applicable statute of limitations or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our [License agreement](https://docs.tapxphone.com/v/en/general/app-license) or other applicable agreements or policies, or to take any other actions consistent with applicable law. ## YOUR CHOICES > You may access, change or fix information you gave us, ask us to deactivate your account, control your location information. ### **Merchant Information** You may access, change, or correct information that you have provided by logging into your Merchant account at any time or by making a request to your bank partner. ### **Deactivating Your Merchant Account** If you wish to deactivate your Merchant account, you can do so by making a request to your bank partner. ### **Location Information** In order to provide certain Services, we may request access to location information, including precise geolocation information collected from your device. If you do not consent to the collection of this information, certain Services will not function properly and you will not be able to use those Services. You can stop our collection of location information at any time by changing the preferences on your mobile device. If you do so, some function of IBA's mobile applications will no longer work. You also may stop our collection of location information via mobile application by following the standard uninstall process to remove IBA's mobile application from your device. ## SECURITY > We do a lot to keep your data and Customers' data safe. While we think we have strong defenses in place, no one can ever guarantee that hackers won’t be able to break into our sites or steal your data while it is stored or flowing from you to us or vice versa. We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, and misuse, and unauthorized access, disclosure, alteration, and destruction. Nevertheless, the internet is not a 100% secure environment, and we cannot guarantee absolute security of the transmission or storage of your information. We hold information about you both at our own premises and with the assistance of third-party service providers. ## STORAGE AND PROCESSING > We operate in many countries, and we (or our service providers) may move your data and process it outside the country where you live. We may, and we may use third-party service providers to, process and store your information in the European Union and other countries. ## CHANGES TO THIS PRIVACY NOTICE > We can change this privacy notice. When the changes impact your rights or how we use your data in important ways, we’ll tell you first by email (if you’ve given us your email address). We may amend this Privacy Notice from time to time by posting a revised version and updating the “Effective Date” above. The revised version will be effective on the “Effective Date” listed. We will provide you with reasonable prior notice of material changes in how we use your information, including by email if you have provided one. If you disagree with these changes, you may cancel your account and delete IBA's application. If you keep using our Services, you consent to any amendment of this Privacy Notice. # Security reporting program The IBA Group Security Reporting Program for IBA Group's Software for Android Terms and Conditions ("Terms'') governs your participation in the IBA Group Security Reporting Program ("Program"). These Terms are between you and IBA Group, a.s. ("IBA," "us," or "we"). By performing vulnerability research against IBA’s infrastructure, submitting any vulnerabilities to IBA, or otherwise participating in the Program in any manner, you accept these Terms. ### Program Eligibility * Participants must be at least 18 years old. * IBA employees and contractors, as well as their family members, are strictly prohibited from participating in the Program, or sharing information with an external security researcher to bypass this prohibition. ### Rules of Engagement Your participation in our program is voluntary and subject to the following: * Your submission must include a working Proof of Concept to be considered for a reward. * Avoid harm to others’ data and privacy. Specifically: * * If you encounter any personal data or sensitive information in the course of your research, **stop and notify our team immediately so we can investigate**. Please report to us what data was accessed and delete the data. Do not save, copy, download, transfer, disclose, or otherwise use this data. Continuing to access others’ data or otherwise failing to adhere to this requirement will disqualify you from participating in the Program. * If your research is designed to identify and demonstrate a vulnerability that could allow unauthorized access to personal data or sensitive information, make sure to take measures to minimize your access to or usage of such data to what is **absolutely necessary** to achieve those purposes (i.e., identification and demonstration of a vulnerability that could allow unauthorized access to personal data or sensitive information). For example, if you are injecting code into IBA’s environment to test whether you could exfiltrate data from a IBA database, limit the potential exfiltration to the first three rows and five columns of the table rather than the entire database. * If, even after taking measures to minimize access to personal data or sensitive information, you ultimately end up encountering such data in the course of your research, follow the mitigation measures described above. * Do not leverage the existence of a vulnerability or access to personal data or sensitive information to make threats or extortionate demands. Do not degrade, interrupt, or deny services to our users or take any actions that can affect the availability or integrity of IBA’s systems and data (e.g., modifying or deleting data). If you notice service degradation or interruption, stop your research and notify us immediately. * Do not incur loss of funds that are not your own. * By reporting a vulnerability, you grant IBA and its affiliates a perpetual, irrevocable, worldwide, royalty-free license to use, copy, adapt, develop, and create derivative work from, or share your submission for any purpose. You waive all claims, including breach of contract or implied-in-fact contract, arising out of your submission. * You will be responsible for any tax implications related to any bounty payment you receive, as determined by the laws of your jurisdiction. * Whether to provide a reward for your submission, the amount of the reward, and your eligibility to participate in the Program are entirely at our discretion. * We consider only the earliest, responsibly-disclosed submission of a vulnerability instance with enough actionable information to identify the issue for a reward. All other reports for a given issue will not be eligible for a reward under our Program. * Your research must not violate any applicable laws or regulations. ### Submission Review Process After a submission is sent to IBA in accordance with the Rules of Engagement described above, IBA engineers will review the submission and validate its eligibility for a reward. The review time could vary depending on the complexity and completeness of your submission, as well as on the number of submissions we receive. As explained in the Rules of Engagement, IBA retains sole discretion in determining which submissions are qualified for a reward. If we receive multiple bug reports for the same issue from different parties, the bounty will be granted to the first eligible submission. If a duplicate report provides new information that was previously unknown to IBA, we may award a differential to the person submitting the duplicate report. IBA will also reopen and reward any report mistakenly closed as invalid if we later receive and reward the same bug reported by someone else. In these situations, we pay both researchers. ### Ineligible Vulnerabilities Below are some examples of issues that are out of scope for The IBA Group Security Reporting Program for IBA's Software: * Vulnerabilities requiring a rooted, jailbroken, or otherwise modified device * Username enumeration on customer facing systems (i.e. using server responses to determine whether a given account exists) * Vulnerabilities requiring extensive user interaction * Exposure of non-sensitive data on the device * Vulnerabilities on third party libraries without showing specific impact to the target application (e.g. a CVE with no exploit) * Best practice reports without a valid exploit (e.g., use of "weak" TLS ciphers) * Leakage/disclosure of Google Services API keys without demonstrated impact * Decompile/reverse engineer an app * Phishing and social engineering attacks * Reports on non-eligible device versions or OS version * Use of deprecated/banned API * Sensitive info in logs in staging/test builds ## Bug Submission Requirements ### Required information. For all submissions, please include: * Full description of the vulnerability being reported, including the exploitability and impact * Evidence and explanation of all steps required to reproduce the submission, which may include: * Videos * Photos * Exploit code * Traffic logs * Web/API requests and responses * Email address or user ID of any test accounts * IP address used during testing * For RCE submissions, see below ## *Remote Code Execution (RCE) Submission Guidelines:* * Source IP address * Timestamp, including time zone * Full server request and responses * Filenames of any uploaded files, which must include “bugbounty” and the timestamp * Callback IP and port, if applicable * Any data that was accessed, either deliberately or inadvertently * Allowed Actions: * Directly injecting benign commands via the web application or interface (e.g. whoami, hostname, ifconfig) * Uploading a file that outputs the result of a hard-coded benign command * Prohibited Actions: * Uploading files that allow arbitrary commands (i.e. a webshell) * Modifying any files or data, including permissions * Deleting any files or data * Interrupting normal operations (e.g. triggering a reboot) * Creating and maintaining a persistent connection to the server * Intentionally viewing any files or data beyond what is needed to prove the vulnerability * Failing to disclose any actions taken or applicable required information ### Disclosure By participating in this program, you agree not to publicly or privately disclose the contents of your submission, your findings, your communications with IBA related to your participation in the Program, or any facts you have learned about IBA in the course of your participation in the Program to any third party without IBA prior written approval. There are no exceptions. ### Researcher Privacy To protect your privacy, we will not, unless served with legal process or to address a violation of this policy: * Share your personally identifiable information with third parties * Share your research without your permission * Share your participation without your permission ### Accountability IBA reserves the right to disqualify you from participating in the Program if you violate the Rules of Engagement or other rules specified in this program policy, including the rules about disclosure. ### Changes to the Terms We may change the Terms at any time. Participating in the Program after the changes become effective means you agree to the new Terms. If you don't agree to the Terms, you must not participate in the Program. ### Contact Feel free to submit any comments or questions about our program to . # Known Vulnerabilities Below you will find the list security vulnerabilities known to affect particular versions of
mobile software(«Software») and instructions on what users can do to protect themselves. The lists will be added to when new security problems are found. Please read [Security reporting program](/general/security-reporting-program) for information on how we handle security bugs. If you have found a security problem which is not on this list and has not already been filed as a bug, or if you find errors or inconsistencies in this list, please mail us. If needed our PGP key can be found it in bellow. The PGP key for [security@tapxphone.com](mailto:info@tapxphone.com) below can be used to send encrypted mail or to verify responses received from that address. ``` -----BEGIN PGP PUBLIC KEY BLOCK----- mDMEY87kahYJKwYBBAHaRw8BAQdA0VfxU94JNL3h5dEFKQj3vO8Zk4B3zS+Yvl9v eROWNLS0K3RhcHhwaG9uZS1zZWN1cml0eSA8c2VjdXJpdHlAdGFweHBob25lLmNv bT6ImQQTFgoAQQIbAwULCQgHAgIiAgYVCgkICwIEFgIDAQIeBwIXgBYhBO+EJyM8 ch8pRLoAsH+eofvuBtEfBQJjzuSHBQkWkm9kAAoJEH+eofvuBtEfiRkBANlVg6z6 AscFu65vfjxAljXeaCMyWzj04qghO1FEmDdCAP4y8rwD4ubzPME/orHiusx2DC4+ WKGjprw3pr/kaBtVA7g4BGPO5GoSCisGAQQBl1UBBQEBB0AtCelsA7HD0EaiMmHz ofuSDEaXsDMm3QnNJ0FU/dbVdwMBCAeIfgQYFgoAJgIbDBYhBO+EJyM8ch8pRLoA sH+eofvuBtEfBQJjzuSHBQkWkm9kAAoJEH+eofvuBtEfQNcA+wTKNeqh3xFqynHF 6hlHJto41E0UwRqRF/ZPheRNkLfjAP9FAL6esp1eH9jhmrD/NQ6TG5d7XDkBUkPc 5/pQwFdlBQ== =FUQT -----END PGP PUBLIC KEY BLOCK----- ``` ### General action for mitigations This is a summary of the mitigations provided by the IBA. These capabilities reduce the likelihood that security vulnerabilities (if any) could be successfully exploited in Software for Android. · Exploitation for many issues is made more difficult by enhancements in newer versions of the Android platform. We encourage all users to update to the latest version of Android where possible. · Enable [Google Play Protect](https://developers.google.com/android/play-protect) · Exploitation for many issues is made more difficult by enhancements in newer versions of the Android platform. We encourage all users to update to the latest version of Android where possible. ### Severity
RatingConsequence of successful exploitation
Critical
  • Remote access to cardholder data and sensitive credentials used for card payment authorization (for example, PAN or PIN)
  • Remote unauthorized access to cryptographic keys including access to used symmetric keys (excluding Google services API keys)
  • Remote unauthorized access to attestation data and their modification that effects to device trust level
  • Remote bypass of software reverse-engineer protection
  • Remote bypass of software modification protection that doesn’t lead application blocking
  • Remote bypass of software mechanisms designed to prevent safety-related software (for example, hooking, rooting, emulation or debugging detection, verification, and validation of software).
  • Remote bypass of software mechanisms designed to prevent stealing cardholder data and sensitive credentials used for card payment authorization from the device screen (for example, screenshot, overlay, broadcast, video-recording detection)
  • Remote bypass of software mechanisms to prevent modification of configuration files, cryptographic keys
  • Remote creation of Fake Payments
High
  • Local access to cardholder data and sensitive credentials used for card payment authorization (for example, PAN or PIN)
  • Local unauthorized access to cryptographic keys including access to used symmetric keys (excluding Google services API keys)
  • Local unauthorized access to attestation data and their modification that effects to device trust level
  • Local bypass of software reverse-engineer protection
  • Local bypass of software modification protection that doesn’t lead application blocking
  • Local bypass of software mechanisms designed to prevent safety-related software (for example, hooking, rooting, emulation or debugging detection, verification, and validation of software).
  • Local bypass of software mechanisms designed to prevent stealing cardholder data and sensitive credentials used for card payment authorization from the device screen (for example, screenshot, overlay, broadcast, video-recording detection)
  • Local bypass of software mechanisms to prevent modification of configuration files, cryptographic keys
  • Cryptographic vulnerability that allows for attacks attacks against transport layer security (TLS).
  • Remote interception of the NFC module while the application is running on the payment card waiting screen
  • Local creation Fake Payments
Medium
  • Local interception of the NFC module while the application is running on the payment card waiting screen
  • Bypassing device setup process (initialization)
  • Bypassing user authentication

  • Substitution of data leading to incorrect payments (for example, substitution of amounts, type of operation, payment terminal credentials identifiers
  • Remote temporary application denial of service
Low
  • A general bypass for a user level defense in depth or exploit mitigation technology in an unprivileged context
  • Cryptographic vulnerability in non-standard usage
  • Incorrect documentation that may lead to a security vulnerability
  • Local arbitrary code execution in a constrained context
### Vulnerabilities finding list In this sections, we provide details for each of the security vulnerabilities that apply to the Software for Android 2.1.0. Issues are described in the tables below and include CVE ID, Severity, Description, updated software versions (where applicable), mitigation (where applicable) action | CVE | Severity | Description | Updated software versions | Action for mitigations | | --------------------------------------------- | -------- | ----------- | ------------------------- | ---------------------- | | No vulnerabilities have been detected to date | N/A | N/A | N/A | N/A | # App User Guide User Guide for the Android application v. 2.1.0 and higher This section provides users with the information on how to use the Application for accepting contactless payments on their own mobile devices. # Getting Ready to Use ## What devices does the Application support? The Application can be used on the most smartphones. There is a number of general requirements listed below. There are no recommendations which device to choose. The choice is made by the User. {% hint style="warning" %} We are not responsible for your choice in favor of the devices poor characteristics of which may cause errors, interruptions in operation, slow and low performance of the Application or its individual functions. {% endhint %} Before you start using the Application, make sure that * [x] your deviсe has OS Android v. 8.0 or higher (strong recommendation to use Android 10.0 or higher, due to the fact that Google stopped supporting Android 8 and 9) * [x] your device supports: Network services: * Embedded near-field communications * Global Positioning System (GPS) Android services: * Hardware-backed Keystore * Google Play Integrity API ([MEETS\_STRONG\_INTEGRITY](https://developer.android.com/google/play/integrity/verdicts#optional-device-labels)) * Google Play Store {% hint style="warning" %} These are the minimum requirements for installing the Application. However, after the Application is installed, the system (server-side) will check the reliability of your device. And if its state :skull\_crossbones: does not meet the security criteria, further use of the Application can be restricted. {% endhint %} Application Installation and Launching 1\. Download the Application from the Google Play Market. Use the[ link](https://play.google.com/store/apps/details?id=by.iba.tapxphone) in the search field. {% hint style="warning" %} The Application is not available in the [HUAWEI AppGallery](https://appgallery.huawei.com/), thus devices without access to Google play Store are unable to use it. For example, such devices include the following: * P40 / P40 Pro / P40 Pro + / P40 Lite / P40 Lite 5G / P40 Lite E * P Smart 2021 / P Smart S * Mate XS * Mate 40 / Mate 40 Pro / Mate 40 Pro + / Mate 40 RS Porsche Design / Mate 30 Pro / Mate 30E Pro 5G * Nova 8 / Nova 8 Pro / Nova 8 SE / Nova 7 / Nova 7 Pro / Nova 7 SE / Nova 7 SE Vitality Edition / Nova 7i / Nova 6 / Nova 6 5G / Nova 6 SE * Y9a / Y8p / Y8s / Y7a / Y6p / Y5p * Enjoy 20 / Enjoy 20 Plus / Enjoy 20 Pro / Enjoy 20 SE / Enjoy Z * Maimang 9 * MatePad Pro / MatePad 10.4 / MatePad T 8 The list is not limited to the devices listed therein. {% endhint %} {% hint style="danger" %} Installing the Application from outside the Google Play Store is prohibited. If you try to install the Application from other sources, you are violating the [license agreement](/general/app-license). {% endhint %} 2\. Launch the Application. {% hint style="info" %} Internet have to enabled (through mobile network or Wi-Fi) on the device before each Application launching (using). {% endhint %} 3\. Press the `Allow` button to grant the Application all the requested permissions. ![](/files/-MZU_aS0IHOame_TQVdH) 4\. Review the terms of the [License Agreement](/general/app-license) and accept them to be able to start using the Application. {% hint style="warning" %} You should also read the Rules on using the Application at the following [link](/general/app-rules). {% endhint %} {% hint style="info" %} 1. To change the language of the Application, click the icon and select the language you need. You can change the language only before login in the Application. 2. After installing the Application, a unique number (ID) is assigned to your device. It is displayed next to the icon on the Application’s `Sign in` screen. If you have any questions on how to operate the Application, when you contact the support service be sure to specify this number, this will allow you to get answers {% endhint %} # Viewing the App Version The current version of the
Android Application («Application») is displayed on the start page at startup. You can also see the current version of the Application: 1. on the `Sign in` screen by clicking on the icon 2. icon is available after login in the Application in the extended menu, to go to which click . {% hint style="info" %} We recommend regular update of the application (including automatic update) when the release of new versions is available. {% endhint %} In order to validate the authenticity of the app, you can check your last login date in the Merchant web portal. The presence of a login date means that you are working with the original version of the application, and not with fake or “look-alike” application. ## Application and SDK Version Verification \ Application and SDK Certification Reference To ensure that application complies with the PCI MPoC standard, you can verify the certification reference number associated with app. 1. **Identify your application type:** * If you are using the standard app, the reference number is **#2024-01344.003** (including SDK, with reference number #2024-01344.002). * If you are using a **white-label version of** branded by your bank, the reference number is **#2024-01344.004** (including SDK, with reference number #2024-01344.002). 2. **Verify certification on the PCI website:** * Go to: * Confirm that the application or SDK you are using is listed and certified. If the reference number of application and SDK matches one of the numbers above and is present on the PCI website, then solution is officially PCI MPoC certified. # Trusted Device Criteria > To ensure the security and proper functionality of the Software, the following criteria must be met for a device to qualify as trusted: Device State Requirements The device must not: 1. Have an Unlocked Bootloader: * The bootloader must be locked. * For more information on locking the bootloader, see [here](https://source.android.com/devices/bootloader/locking_unlocking?hl=en). 2. Be Rooted: * The device must not have root access (the user must not have root privileges). 3. Have SELinux Disabled or Permissive: * SELinux must be set to **"enforcing" mode**. Devices with SELinux in "disabled" or "permissive" mode are not secure and will be blocked. * For more information on SELinux in Android, see [here](https://source.android.com/docs/security/features/selinux). * How to check: * Certain devices, such as Samsung smartphones, allow users to check the SELinux mode manually. To verify the SELinux state: 1. Go to **Settings** > **About Phone**. 2. Find the section **Software Information** (or similar). 3. Look for **SE for Android** or a similar entry. The SELinux mode should be listed as either **Enforcing** or **Permissive**. * If it shows **Enforcing**, the device is secure and compliant. * If it shows **Permissive** or **Disabled**, the device needs adjustment or replacement. * If a device is flagged due to SELinux misconfiguration, the following options are available: 1. **Adjust SELinux Mode Manually**:\ Advanced users may attempt to change SELinux mode from "permissive" or "disabled" to "enforcing."\ **Warning**: This process involves significant system modifications and could render the device unusable. It is not recommended for non-experts. 2. **Visit a Service Center**:\ You may seek assistance from a professional service center. Specialists at these centers may be able to reconfigure SELinux settings or provide a resolution. 3. **Change the Device**:\ The most straightforward and reliable solution is to replace the device with one meeting security requirements, where SELinux is properly enforced. 4. Be in Developer Mode: * How to check: * **Method 1:** Open "Settings," go to "About phone" or "About tablet," find the "Build number" section (or "MIUI version" on Xiaomi devices), and tap it. If developer mode is enabled, you'll see a confirmation message. * **Method 2:** Open "Settings," select "For Developers" (or "Advanced > For Developers"), and ensure the "Developer Mode" switch at the top is turned off. 5. Be in Debug Mode: * How to check: * **Method 1:** Open "Settings," select "For Developers" (or "Advanced > For Developers" on some devices). In the "Debug" menu, ensure "USB/Wi-Fi Debugging" is not activated. * **Method 2:** Connect the device to a computer and ensure no "USB/Wi-Fi Debugging enabled" notification appears on the smartphone. 6. Pass Google Play Integrity API Checks: * The device must successfully pass the Google Play Integrity API check with the **MEETS\_STRONG\_INTEGRITY** status. * How to check: * To verify the integrity verdict on your device, follow these steps: 1. Enable Play Store's developer options by tapping your profile icon in the Play Store app, then selecting **Settings**. 2. Open the **About** menu and tap **Play Store version** seven times to unlock developer mode. 3. Open the Play Store app, tap your profile icon, then go to **Settings** > **General** > **Developer options**. 4. In the **Play Integrity settings**, tap **Check integrity** to generate the verdict for the device. * For more detailed instructions, see [here](https://developer.android.com/google/play/integrity/additional-tools#check-device). 7. Contain Apps Violating Google's Software Principles: * Apps installed on the device must comply with [Google's Software Principles](https://www.google.com/about/software-principles.html) and [Unwanted Software Policy](https://www.google.com/about/unwanted-software-policy.html). * How to check Google Play Protect status: see [here.](https://support.google.com/accounts/answer/2812853?hl=en\&ref_topic=7189123) ## **Application Installation Source** * The application must be downloaded and installed **only** from the Google Play Store. * Installation from other sources is strictly prohibited, as it violates the License agreement. ## **Safe Usage of the Software** When using the
Android Software ("Software"), the user must not: 1. **Allow Screen Overlays:** * Apps or system functions (e.g., messengers) that overlay the Software screen must be turned off during transactions. * If a message about restricted usage appears, follow the steps [here](/help/faq/payment-acceptance). 2. **Use Split Screen or Broadcast Modes:** * Do not activate split-screen mode or use broadcast functionality from the mobile device. 3. **Use the Camera in Unintended Ways:** * Background apps with camera access must be closed during a transaction. * Disable system functions that keep the screen active due to constant background camera usage (e.g., Face ID features). 4. **Take Screenshots or Record Videos:** * Screenshotting or screen recording is prohibited while using the application. 5. **Turn Off Previously Granted Permissions:** * Ensure that all required permissions remain active for the application. 6. **Use Remote Control Applications:** * Applications like TeamViewer or AirDroid are not allowed. ## **NFC Requirements** The device must have: 1. A functional embedded NFC module. 2. NFC configured to read cards. * **How to check:** * Open "Settings," go to "Connection and Sharing," and ensure NFC is turned on. * If there is an option to choose between "SIM" and "e-wallet," select "e-wallet." ## **Security Recommendations** * **OS Updates:** Regularly update the device’s OS and components to ensure the latest security improvements. * **Trusted Apps:** Only download apps from trusted vendors in the Play Store, verified by Google Play Protect. * **Malware Detection:** Install and update malware detection tools to protect the device. # The device is locked for the App While using the Application, your device is constantly checked for compliance with the Security Criteria. {% content-ref url="/pages/-MZYy0Ty-Zi28XQyJU\_n" %} [Trusted Device Criteria](/guide/app-guide/trusted-devices) {% endcontent-ref %} If the state of a device does not meet the requirements set by the system, it can be blocked in terms of using the Application, as the device may present a threat to the safe acceptance of card payments. {% hint style="warning" %} In some situations (instead of blocking), the application settings will be reset to their initial state, so you need to [setup your device](/guide/app-guide/device-setup) again. {% endhint %} To find out the possible reason for blocking and to request to unlock the device, contact the support service of your Acquiring Service Provider. {% hint style="info" %} When addressing the support, please provide the device ID displayed on the Application’s `Sign in` screen. {% endhint %} # Device Setup In order to start using the Application, you need to register a mobile device in the system and activate an existing payment terminal for it using one of the available ways: | Method | Difference | | ------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | using the login and password of the Main Cashier | Confirmation codes are sent as an SMS message or to the Merchant's email. You need access to the SMS and/or email that was used by the acquiring service provider during Merchant registration. | | using the Device code | The device code is entered in the Merchant's web portal. You need access to the Merchant's web portal account to enter the Device code. | | using the QR activation code (available in the latest version of the app) | The QR code is scanned by the device in app. You need access to the Merchant's web portal account to generate QR. | | using the terminal activation link (available in the latest version of the app) | The terminal activation link is used on the device. You need access to the Merchant's web portal account to generate activation link. The link may also be sent by email or SMS from your acquiring service provider. | ## Device setup using the login and password of the Main Cashier {% hint style="info" %} The device setup must be performed by Main Cashier. If you are not Main Cashier, then let him/her know you need to pass the process on your device. {% endhint %} * Enter the `Username/Login` and `Password` of Main Cashier. {% hint style="warning" %} 1. When you enter the password, remember it is sensitive to upper and lower case. 2. If you are logging in the Application for the first time as Main Cashier, then the default Password is equal to the Login/Username (case sensitive). 3. Password that you received via email or SMS is not for Application it is for [Merchant web portal.](/guide/portal-guide/web-sign-in) {% endhint %} * If you have successfully entered credentials, the Application will ask you to enter the `initialization code` (4 digits). Enter it into the appropriate field and continue login.
{% hint style="info" %} ​The initialization code is sent by email or in an SMS to the Merchant's phone number (which is mainly specified when the acquiring service agreement is signed). It depends on what your Acquiring Service Provider has set. {% endhint %} #### Payment terminal activation The payment terminal activation can be required in the following cases: * you are passing the initialization process on the device for the first time * the device was unbound from the payment terminal. If the payment terminal activation is needed, the system will ask to enter the `activation code` (4 digits). Enter it in the appropriate field and continue login. {% hint style="warning" %} The activation of the payment terminal must be performed by Main Cashier. If you are not Main Cashier, then let him/her know you need to pass the process on your device. {% endhint %}
{% hint style="success" %} The activation code is sent by email or in an SMS to the Merchant's phone number (which is mainly specified when completing the acquiring service agreement). It depends on what your Acquiring Service Provider has set. {% endhint %} {% hint style="info" %} You may be notified that there are no available terminals to bind to your current mobile device. This message may occur when all the payment terminals generated by your :bank: Acquiring Service Provider are already bound to your other mobile devices. In this situation, you can: * contact the Acquiring Service Provider with a request to increase the number of payment terminals * or unbind the existing payment terminal from some other mobile device. {% endhint %} {% hint style="warning" %} The list of available payment terminals is located in the [Merchant's web portal.](/guide/portal-guide/device-management) If you need to activate a payment terminal with a specific identifier, then you need to use the device setup using the Device Code {% endhint %} After the successful completion of device initialization and/or payment terminal activation , the Application will display the Amount entry screen. ![](/files/-MZZMGJ6Iwdz7Pmh23GG) {% hint style="success" %} This means the device is ready to use as a payment terminal. Main Cashier can log out of the account (by clicking on the icon ) and hand in the device for further use of the Application as it is intended to a another User/cashier. {% endhint %} ## Device setup using a Device Code * On the login screen, click the Use Device Code button. * The device will generate a temporary Device Code consisting of 8 digits.
* Go to the [Merchant Portal](/guide/portal-guide) or give this code to the person who has access to the Merchant Portal. * On the Merchant portal, you need to activate the payment terminal using the device code: * go to the section in the section Payment terminals, ![](/files/GViEDAmdLoVHZ8k30pey) * find a terminal available for binding and click the Bind button, ![](/files/fmzA7dC9FuD7OGMmS9xY) * enter the Device Code. * If the Device Code is successfully entered on the Merchant Portal, then on the mobile device, click the Update device status button to complete the setup. {% hint style="success" %} Upon successful completion of the device setup, the application will display a screen for entering the login and password of the cashier to [enter the application](/guide/app-guide/sign-in). {% endhint %} {% hint style="info" %} The code is valid for the time indicated on the screen at the time of its formation. During this period, the Code must be entered in the Merchant's portal and click the Update status button on the mobile device. If both or one of the steps were completed after the specified period, the device setup procedure must be started again. {% endhint %} #### Reconfiguring the device There are situations when there is a need to reconfigure the device (for example, they deleted, re-downloaded the application, cleared its memory, etc.) In this case, you can use the `Device Activation` section in the Merchant's portal, having previously generated a code on the device. You can also use this section if it does not matter to you which terminal the device will bind to. If you enter the code in this section, the system will link the device to a free terminal. ## Device setup using the QR activation code * Go to the [Merchant Portal](/guide/portal-guide) and select an available payment terminal. Click `Bind` button. QR code will be generated that you can use in the mobile application. * Open the mobile application and press `Scan QR Code` button. * Grant the application the necessary permissions to use the device’s camera. * Point your device to the Merchant portal screen to capture the code. * Wait for the application to configure itself automatically. * You can log in after successful setup. #### Reconfiguring the device There are situations when there is a need to reconfigure the device (for example, they deleted, re-downloaded the application, cleared its memory, etc.) In this situation, on the Merchant Portal you need to open the selected payment terminal profile and click the `Rebind device` button. Use the generated new QR activation code on the device that needs to be reconfigured ## Device setup using the activation link * Go to the [Merchant Portal](/guide/portal-guide) and select an available payment terminal. Click `Bind` button. A Terminal activation link will be generated that you can use in the mobile application. {% hint style="info" %} The activation link can be generated by your acquiring service partner. In this situation, you will receive an Activation link from him via SMS or email. {% endhint %} * Copy the activation link. * Open the link on your mobile device. Please note that the link has an expiration date. {% hint style="info" %} The link should be opened in instant messengers, email, etc. You should not open it in a browser, as the activation process will not begin. {% endhint %} * The device's operating system will prompt you to open a link using the Application. Select it. * Wait for the application to configure itself automatically. After successful setup, you can log in. #### Reconfiguring the device There are situations when there is a need to reconfigure the device (for example, they deleted, re-downloaded the application, cleared its memory, etc.) In this situation, on the Merchant Portal you need to open the selected payment terminal profile and click the `Rebind device` button. Use the generated new Activation link on the device that needs to be reconfigured. # Sign in The Application can be used by any cashier when the subheading of the `Sign in` screen does not contain indication that the device needs to be setup (or that the device is locked or disabled). ![](/files/-MZZWXA54lLTPHgIW1XI) To sign in to the Application, enter the cashier's `Username` and `Password`. {% hint style="warning" %} 1. When entering the password, please note that it is sensitive to upper and lower case. 2. If this is a Cashier's first login to the Application, then the default Password is equal to the Login (case sensitive) that was set in the Merchant's Web portal. {% endhint %} {% hint style="danger" %} You have 5 attempts to enter the correct Username/password, after which the account can be locked (in this case, the Application will display a message with the number 203). The cashier's account is unlocked in the Merchant's web portal. In this case, you should contact the employee who has access to it. {% endhint %} {% hint style="warning" %} If the Application displays, when trying to enter, a message with the number 101 and the text that the login and password were entered incorrectly, then the device must be transferred to the Main cashier in order for the device initialization by entering Main cashier login and password. {% endhint %} Upon successful sign in, the Application will display the Amount entry screen. ![Enter amount screen](/files/-MZZMGJ6Iwdz7Pmh23GG) {% hint style="success" %} You can start to accept payments. {% endhint %} # Change and Recovery Password Change Password If you are sign in for the first time, the system will ask you to change the default password. On the `Change password` screen, enter the required values and confirm the operation. ![](/files/-MZZbrluNjNk8blK-nyM) {% hint style="danger" %} It is strongly recommended that the password contains letters, numbers/symbols and must be at least 8 characters long. {% endhint %} You can also go to the `Change password` section via the menu of the Application by clicking the icon ## Recovery Password If you do not remember your password, you can recover it with the help of the password reset function in the Merchant's web portal. Contact the employee who has access to it. {% content-ref url="/pages/-MZZVKDBmBxp2fGVVqLU" %} [Cashiers Management](/guide/portal-guide/cashiers) {% endcontent-ref %} {% hint style="success" %} If the password reset, by default it becomes equal to the Login (case-sensitive) that is set in the Merchant's Web portal. {% endhint %} # Payments acceptance The Application can only be used for contactless payments.\ Payment cards that support contactless payments have an icon > Never the less, for some devices, an Acquiring Service Provider can allow payment acceptance by manually entering the card number (PAN). For more information, see [here](/guide/app-guide/payments/pan-entry). Preparing to accept payments Before you start to accept payments, make sure that: * [x] the Internet enabled * [x] the NFC module has been enabled and configured to read cards * [x] the device is in the safe mode for the Application {% content-ref url="/pages/-MZYy0Ty-Zi28XQyJU\_n" %} [Trusted Device Criteria](/guide/app-guide/trusted-devices) {% endcontent-ref %} ## Amount Entering ![](/files/-MZZMGJ6Iwdz7Pmh23GG) On the Amount entry screen, type in the required payment amount and confirm it by clicking the `PAY` button {% hint style="info" %} Before to accept payments, we recommend to find out and learn current limits on: * the amount of a one-time payment * the amount of payment when the Application requests the PIN from a cardholder * daily amount of payments You can get this information from your Acquiring Service Provider. {% endhint %} ## Payment card tapping ![](/files/-MZbpintS28aJxwPC1Wu) When you see on the screen the request to tap a card, ask a customer to tap a ​ 💳 card or a ​ 📱 mobile device on which the payment application is installed to your ​ 📱 device, to the location of the NFC module. {% hint style="warning" %} A card must be tapped after the first color indicator lights up on the screen *(the color of the indicators may differ depending on the corporate style of your* :bank: *Acquiring Service Provider)*. {% endhint %} {% hint style="info" %} Before a card tapping, make sure that payment card is contactless and belongs to payment systems supported by your payment terminal. You can check this by matching the payment systems displayed on the Application’s screen (for example ) with the logo on your customer's payment card. {% endhint %} {% hint style="danger" %} For better card reading, you should bring it as close to the location of the NFC module on the device as possible and hold it until it is read in full. Possible locations of the NFC module can be found [below](/guide/app-guide/payments#where-to-bring-the-payment-card). The result of the complete reading of a card is confirmed by lighting up of four color indicators and displaying the message about the successful transaction *(the indicators’ color may differ depending on the corporate style of your* :bank: *Acquiring Service Provider).* In the new version of the Application, it is additionally accompanied by a single sound signal and a single vibration of the device. After that, the card can be removed from the device. {% endhint %} ### Where to bring the payment card Below there are examples of some possible locations of an NFC module. But only you can find out the exact location of it on your device. For example, read the specific section in the user guide to your device that describes operations with the NFC. {% hint style="info" %} For such :muscle: practice when finding the NFC module location, you can: * take an expired card and try to complete several Payments by entering the minimum amount allowed, * if you have no such card, you can use a valid card, and try to accept Payments with the minimum amount allowed and then (in case the payments have been successful) you can [cancel transaction](/guide/app-guide/reversal). {% endhint %} {% hint style="danger" %} All NFC modules are mainly located on the back of devices. {% endhint %} The possible locations of the NFC module are shown in the figure below: ![](/files/-MZc3FCro89zvSVE_G00) {% hint style="info" %} The location of the NFC module for Samsung mobile devices can be found [here.](https://www.samsung.com/hk_en/nfc-support/) {% endhint %} ### :sos:Unsuccessful Card Reading In case when the payment card reading failed, you will receive a corresponding information message, which may contain the following codes: 1926, 1929, 1943, 1976 {% hint style="danger" %} The main reasons why the payment card is not successfully read in may be the following: {% endhint %} | Reason | Recommended actions | | ------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | The card is not brought to the NFC module location | Find the location of the NFC module in your device where the strongest antenna signal for reading cards is detected | | The payment card was removed too early | Ask your client to bring the card and do not remove it until the result of a successful reading of the card is displayed on the screen. For more details see [here](#payment-card-tapping) | | The client’s card has very low signal in process of contactless payments |

As experience has shown, very often some cards have a weak signal of the internal antenna. In such a situation, client can try to tap the card with the other side, while maintaining the minimal distance between the microchip and the NFC module. |

If the card cannot be read in, suggest that the customer use another one

| | The contactless interface on the card is disabled (error code 1943) | This may occur if the contactless interface is not activated on the card or was disabled by the cardholder. Please advise the client to enable the contactless feature via their mobile banking app or by contacting their issuing bank. | | NFC module is not activated | Go to the settings of your device and enable the NFC function. If you have a choice between paying with "sim" or "e-wallet" when activating the function, then you should choose "e-wallet" | | Application has no permissions for NFC | Open the system menu, in the section with the applications list find the Application and make sure that in the Application permissions the access to NFC is allowed | | Payment card that is used does not have a contactless interface | Check the presence of the icon on the payment card | | Payment card of an unsupported payment system is used | Make sure that the payment card belongs to a payment system that is supported by your payment terminal. | | The NFC module does not work | Install a third-party application that can be used to read regular NFC tags. Run it and try to read the NFC tag/any contactless card (but not card of your client). | | There are objects that block the signal between the device and the payment card | Remove items that may affect the processing of the payment card. For example, the device case. | {% hint style="danger" %} Any repeated attempt to use the payment card must begin with removing it from the field of action of the NFC module of your device and re-bringing it to it. {% endhint %} ## PIN entering The Application may ask the customer to enter PIN code if the payment amount exceeds the limit for no-PIN transactions set by your Acquiring Service Provider. This is a prerequisite for verifying the cardholder in order to confirm the transaction. When the PIN entry screen appears, allow your customer to enter PIN on your device. ![](/files/-MZc41FqiNgNgR7PS60V) {% hint style="warning" %} Pay attention of your customer to the fact that in order to safely enter the PIN code a virtual keyboard is used in which the buttons are arranged in random order and have different sizes. {% endhint %} {% hint style="danger" %} If the customer refuses to enter the PIN code, click the `Cancel` button or the icon . **In this case, the purchase cannot be considered complete.** {% endhint %} ### Client verification via signature request Instead of entering the PIN code for the cards of some payment systems, for example , after the card tapping, the application may request the client's signature on the device screen if the payment amount exceeds the limit set by your Acquiring Service Provider. This is a prerequisite for verifying the cardholder to confirm the transaction. If a screen for requesting a signature appears, provide an opportunity for your client to specify it on the screen of your device. {% hint style="danger" %} If the client refuses to sign, then click the `Cancel` button or the icon . **In this case, the purchase cannot be considered complete.** {% endhint %} {% hint style="warning" %} {% endhint %} ## Payment Result Upon successful processing of the transaction and confirmation of the completed payment by your Acquiring Service Provider, the Application will offer you to use the function of sending/displaying the receipt to your customer. ![](/files/-MZd8SBESvcXrhHjyXum) {% hint style="warning" %} The Application's receipt is not a fiscal receipt. {% endhint %} If the customer does not need the receipt, you can start a new transaction by clicking the `New Purchase` button. # Payment via manual PAN entry To complete payments with a payment card that cannot be successfully read by the Application or with a payment card which does not support the contactless interface is possible with the manual PAN entry function. {% hint style="danger" %} This feature can be available to you if your Acquiring Service Provider set that. For more information, please contact their support service. {% endhint %} If the Acquiring Service Provider has granted permission to use this function, you can use it after entering the payment amount when the request to tap a payment card appears on the screen. The function is indicated by the icon . ![](/files/-MZfvrdgL4wl0lxbLFhB) After the payment card details input screen displays, give the customer the opportunity to enter the necessary number on your device. {% hint style="warning" %} Pay attention of your customer to the fact that in order to safely enter the card number a virtual keyboard is used in which the buttons are arranged in random order and have different sizes. {% endhint %} {% hint style="info" %} If the customer refuses to enter the payment card number, click the `Cancel` button or the icon . **In this case, the purchase cannot be considered complete.** {% endhint %} # Payment cancelation If the customer wants to return the purchase, you can use the `Reversal` function The `Reversal` function is available only within the open (not yet closed) business day. {% content-ref url="/pages/-MZb\_1p9ETGxA-wlnH54" %} [Why and How to close the Business Day](/guide/app-guide/business-day) {% endcontent-ref %} {% hint style="warning" %} 1. If the business day is closed, payment cancelation is not available, since your Acquiring Service Provider has already settled the transaction. In this case, we recommend using the [Refund](/guide/app-guide/refund) function. 2. When a payment is canceled, the full amount of the purchase is returned. For a partial refund, use the [Refund](/guide/app-guide/refund) function. {% endhint %} There are two ways to cancel a purchase: 1. By selecting the required purchase from the list of transactions in the current business day. 2. By specifying the receipt number. Cancel purchase from the transactions list To cancel purchase from the transactions list, go to the menu `Point of sale` -> `Transactions` ![](/files/-MZdH0sXondEUHR1-awm) Then select the required purchase and click `Reversal`. Cancel purchase by the Receipt number {% hint style="warning" %} This function is optional. To have it enabled, please contact your Acquiring Service Provider. {% endhint %} To cancel purchase by the receipt number, click the icon . The icon is available on the Amount entry screen: ![](/files/-MZdDuCYJvcOuwmMPPTQ) and also in the `Transaction settings` menu where you can select the required transaction type, including payment`Reversal` ![](/files/-MZdDyHfXpvevU6gT2_b) To cancel a previously completed purchase enter the receipt number from the customer's receipt and confirm the action by clicking `Reversal` ![](/files/-MZdGZnzkxsOVzIyXkW3) {% hint style="info" %} In the menu `Point of sale` -> `Transactions`, the canceled payment will have the corresponding status. {% endhint %} {% hint style="danger" %} If the processing of the payment Reversal has failed, the purchase cannot be considered as canceled. In this case, we recommend try again to cancel purchase. {% endhint %} # Refund If the client wants to return the goods, and the purchase`Reversal` is not available because of the closed business day, then you can use the `Refund` function. {% hint style="success" %} The Refund function can also be used when the client wants to return part of the paid amount. {% endhint %} #### The difference between Reversal and Refund | Differences | Reversal | Refund | | --------------------------------------------------------------- | ---------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | The period within which the funds can be returned to the client | Possible only during an open business day | Does not depend on the business day status. But it may have a specific time period when a refund can be accomplished. You can learn the information about this period from the Acquiring Service Provider | | Speed of refund to the client | Immediately after the transaction is performed | After all the necessary settlements by the Acquiring Service Provider are made. You can learn the information about the terms from the Acquiring Service Provider | | Card tapping | Not required | May be required if your Acquiring Service Provider has set that | | Partial refund | No | Possible | Refund Start To perform a Refund transaction, click the icon in the `Transaction settings` menu. ![](/files/-MZdL9lqHwLFbaulOXXO) Depending on the Acquiring Service Provider’s terms, different refund flow are possible: * by entering a Reference Retrieval Number (RRN). * by tapping a client’s card. A combined refund approach is also possible, based on the two methods mentioned above. Refund. RRN entering After selecting the `Refund` function, the Application will ask you to enter a RRN. Enter it and continue the transaction. {% hint style="info" %} The RRN is indicated in the customer's receipt. {% endhint %} On the Amount entry screen, type in the refund amount and confirm the transaction by clicking the `Refund` button. {% hint style="warning" %} The amount cannot exceed the purchase amount from the payment transaction. {% endhint %} {% hint style="info" %} In the combined approach to refund, the Application will ask you to enter a RRN before card tapping. Enter it and continue the transaction. {% endhint %} ![](/files/-M_qJsbw-d-kdiw2vFdD) When the request to bring a card appears on the screen, ask the customer to tap a :credit\_card: card or a :mobile\_phone: mobile device on which the payment application is installed to your :mobile\_phone: device, to the location of the NFC module. For more information about the correct card tapping, see the [this page](/guide/app-guide/payments#where-to-bring-the-payment-card). Refund Result Once successful processing of the transaction and confirmation of the refund by your Acquiring Service Provider received, the Application will offer to send/display the receipt to your client. ![](/files/-MZdaYZUQXKRqgPRM7Bf) {% hint style="warning" %} The Application's receipt is not a fiscal receipt. {% endhint %} If the client does not need a receipt, you can start a new transaction by clicking the `New purchase` button. {% hint style="danger" %} If the processing of `Refund` transaction has failed, the purchase cannot be considered as canceled. In this case, we recommend to try again or return the money to the customer in cash. {% endhint %} # Why and How to close the Business Day Business day is a time period set by your Acquiring Service Provider during which all completed transactions get registered in the system for the subsequent settlements with your organization (that is, for the subsequent transfer of funds). Business day may be closed: * automatically at the end of the period defined by your Acquiring Service Provider {% hint style="info" %} You can get info about the business day’s duration from your Acquiring Service Provider. {% endhint %} * manually in Application. To manually close the business day, click the icon and the button * manually on the Merchant's web portal. For more details see [here](/guide/portal-guide/device-management#close-business-day). {% hint style="info" %} When a message about a issue with closing a business day appears in the Application (message 705), it must be closed on the Merchant's portal. {% endhint %} {% hint style="danger" %} If the Acquiring Service Provider has set a long business day period (it can be longer than one day) and you have not closed it manually, the settlement process by the Acquiring Service Provider will not start. {% endhint %} {% hint style="warning" %} In the Application, the `Transactions` menu provides a list of transactions in the current (open) business day only. When the business day gets closed, transactions for that period become unavailable for viewing. You can see all transactions (for open and closed business days) in the Merchant's portal. For more information, see [here](/guide/portal-guide/all-transactions). {% endhint %} {% hint style="info" %} You can view the consolidated information of your transactions for the current business day in the Application menu by clicking the button {% endhint %} # Merchant's web portal Guide In the Merchant's portal, you can: 1. generate an terminal QR activation code or activation link, as well as bind a device using the Device code from mobile application; 2. create cashiers who can use the Application under their own accounts; 3. unbind a specific payment terminal from one mobile device in order to bind it to another device; 4. view all successfully completed transactions performed in the Application. # Log in to Merchant’s portal To log in to the portal, you must enter: * login * password {% hint style="info" %} For the login you can use your email address or phone number, which you specified in the acquiring agreement. The parameter to be used specifically in your case is determined by your Acquiring Service Provider. For more information, please contact their support service. {% endhint %} {% hint style="danger" %} The password is sent to your email address or phone number, which you specified in the acquiring agreement. The parameter to be used to obtain the password specifically in your case is determined by your Acquiring Service Provider. For more information, please contact their support service. {% endhint %} If you failed to enter the correct password more than 3 times the account is blocked. In such a situation, you can use the`Password recovery` function. ![](/files/-MexQkuMSC8e2UyTtasB) # Cashiers Management To create a cashier, go to the menu item `Device Management` -> `Cashiers`. Step 1. Click `Add Cashier`. Step 2. Enter Username and additional information about a cashier you are creating. {% hint style="danger" %} 1. Pay attention to the case of characters in the Login you enter, for the password for that cashier on the first logging in to the Application is by default equal to the Username. 2. Additional information should not contain personal data of a cashier. If you enter any personal data of a cashier as the additional information, then you are responsible for their integrity and safe use. {% endhint %} Step 3. Set the cashier status to `Active`. {% hint style="warning" %} If the cashier’s status is not set to `Active`, the cashier will not be able to log in to the Application (in this case, the Application will display a message with the number 205) {% endhint %} {% hint style="success" %} After a cashier account is ready, the cashier can start using the Application on the device, **which has passed the** [**initialization** ](broken://pages/-MZUbzgl96tSogXkwPjf#initialization)**process**. {% endhint %} Unblocking a Cashier If a cashier enters in the Application an incorrect password more than 5 times, the cashier’s account gets blocked. To unlock that account, you should go to the menu `Device Management` -> `Cashiers`. Find the blocked cashier by the `Blocked` value in the `Status` field, or specify this value in the filter if there are many cashiers. Click the `Edit` button. In the cashier information form, change the status to `Active` and save the changes. Then click the `Set default password` button in the cashier profile. {% hint style="warning" %} The password value will be set to the Username (case sensitive). {% endhint %} {% hint style="info" %} In order to set a specific password value use the `Change Password` button. {% endhint %} Resetting the Password for the Application If it is necessary to reset the cashier’s password before blocking the account, go to the menu `Device Management` -> `Cashiers`. Find the cashier's account and open the cashier profile in the review mode. Then click the `Set default password` button in the cashier profile. {% hint style="warning" %} The password value will be set to the Username (case sensitive). {% endhint %} {% hint style="info" %} In order to set a specific password value use the `Change Password` button. {% endhint %} # Device Management ## Payment terminals To view the list of payment terminals registered by the Acquiring Service Provider and their status, go to the menu `Device Management` - > `Payment Terminals`.
> The `Active` status means that the payment terminal can be used for accepting payments. If the status of the payment terminal is different from `Active`, it cannot be used for accepting payments. The decision to deactivate a payment terminal is made by your Acquiring Service Provider. {% hint style="warning" %} If in the `Mobile device` field of a payment terminal is indicated the ID of a mobile device, it means that this terminal is already linked and used on this device. {% endhint %} Mobile devices To view the list of mobile devices [initialized](broken://pages/-MZUbzgl96tSogXkwPjf#initialization) in the Application and their status, go to the menu `Device Management` - > `Mobile devices list`. ![](/files/-MexR84-x9kZuNJHPdI9) > The "Activated" status means that the mobile device is bound to an active payment terminal and can accept payments. > > The "Disabled" status means that the mobile device cannot accept payments, because the payment terminal bound to it is deactivated (blocked) by the Acquiring Service Provider. You cannot accept payments with this device. > > The status "Not configured" means that the mobile device is not bound to any payment terminal. You cannot accept payments on this device. In this section, you can view the registers of receipts. A receipt register contains information about open and closed business days for each of the mobile devices. Also in this section, you can view consolidated information about transactions on a mobile device for a corresponding business day. Also in this menu item, you can use the functionality for unbinding a payment terminal from a mobile device. Payment Terminal unbinding During the initialization of a device and/or activation of a payment terminal, you may encounter the message `There are no available terminals for the current mobile device` . You can get this message when all of the payment terminals generated by your :bank: Acquiring Service Provider are already linked to your other mobile devices. One of the ways out of this situation may be disconnecting a payment terminal from one of the currently unused mobile devices. To do this, go to the menu `Device Management` - > `Mobile devices list`. Open the profile of the required device to view it. In the `Payment Terminal` field, click `Unbind`. {% hint style="danger" %} Before unbinding the payment terminal from the device, you must first close the business day on it. About closing the business day see [here](/guide/app-guide/business-day). {% endhint %} {% hint style="warning" %} If you cannot close the business day because the device is deactivated (blocked), then contact the support service of your Acquiring Service Provider. {% endhint %} {% hint style="info" %} You can also use the device unbinding function from the payment terminal if different Merchants use the same device within the same Acquiring Service Provider. Additionally, after unbinding the device from the Merchant, we recommend to clear the Application data used by the "old" Merchant, and go through the [initialization](broken://pages/-MZUbzgl96tSogXkwPjf#initialization) process over again. To do this: * Go to the device settings, to the Applications section. * Find the Application. * Open the "Storage" section (or something similar to that title). * Click Clear Cache and Clear Data. {% endhint %} ## Close Business Day To close a business day on a specific mobile device, go to the `Device Management` -> `Mobile devices` menu item. On the required device press the `Register of receipts` button to go to the section that provides information about all (open and closed) business days of this device. ![](/files/-MexT5x3jcK-oXZ3qAvP) To complete the operation, click the `Close business day` button. # Transactions Log To view the list of all transactions made via all mobile devices and by all cashiers, go to the menu `Device Management` - > `Transaction Log` . ![](/files/-MexSt_NPUj1S_M1G7Nd) You can filter the list of transactions by your own criteria and upload the received data into PDF. {% hint style="info" %} 1. Select values in the table and copy the data. After that, you can insert them into other programs so you could create your analytical reports (for example, excel). 2. In this menu, you can view and print out the receipt of any specific transaction. {% endhint %} # Any Other Questions? We Can Answer This section contains frequently asked questions from Application users and answers to them, which are divided into the following categories: {% content-ref url="/pages/-MZgPBd-pYf4gVKHP9JZ" %} [Getting started](/help/faq/start-app) {% endcontent-ref %} {% content-ref url="/pages/-MZgQilrAY6MJDGvTiDv" %} [Installing Application](/help/faq/installation) {% endcontent-ref %} {% content-ref url="/pages/-MZgSYNrRzeO-nPW-YXb" %} [Device setup/Login](/help/faq/sign-in) {% endcontent-ref %} {% content-ref url="/pages/-MZgo8Z3vBP6DwkkUPVy" %} [Accepting Payment](/help/faq/payment-acceptance) {% endcontent-ref %} {% content-ref url="/pages/-MZgqSAmsaPUj3L4\_J5i" %} [Device Management](/help/faq/device-cases) {% endcontent-ref %} # Getting started ## I want to use the application for accepting bankcards with my smartphone in my store. Where should I start? ‌You should address your Acquiring Service Provider and apply for the mobile acquiring service (SoftPOS service) activation.‌ ## Where can I get an application for accepting contactless cards with a smartphone? The application can be found at the following [link](https://play.google.com/store/apps/details?id=by.iba.tapxphone).‌ ## Where is the app for the iOS operating system located? For now, the application is available only for Android OS v.8.0 + (but strong recomendation to use Android 10.0 or higher, due to the fact that Google stopped supporting Android 8 and 9) # Installing Application Where can I get the instructions for installing and working with the application? Instructions for using the mobile app can be found [here.](/guide/app-guide) Why can't I find your application in the Google Play Store? It is possible that the characteristics of your device do not meet the requirements for installing the Application. Before searching for the Application, make sure that: * [x] the device is running Android OS v. 8.0 and higher (but strong recommendation to use Android 10.0 or higher, due to the fact that Google stopped supporting Android 8 and 9) * [x] the device has an imbedded NFC module * [x] the location of your Google ID corresponds to your region. Why I can't install your application on my smartphone? It is possible that the characteristics of your device do not meet the requirements for installing the Application. Make sure that: * [x] your device is running Android OS v. 8.0 and higher (but strong recommendation to use Android 10.0 or higher, due to the fact that Google stopped supporting Android 8 and 9) * [x] the device has an imbedded NFC module * [x] the location of your Google ID corresponds to your region. Which phone can I install the Application on? Before you start using the Application, make sure that: * [x] your device is running Android OS v. 8.0 and higher (but strong recommendation to use Android 10.0 or higher, due to the fact that Google stopped supporting Android 8 and 9) * [x] the device has an imbedded NFC module * [x] the device has the Google Play Store application installed. {% hint style="danger" %} These are the minimum requirements for installing the Application. However, after the Application is installed, the program checks the reliability of your device. If the state of your device does not meet the [security criteria](/guide/app-guide/trusted-devices), further use of the Application can be restricted. {% endhint %} # Device setup/Login ## We have signed the contract with the bank. When will we receive the codes to activate the terminal? Activation codes for the Application are sent during device settings using the login and password of the Chief Cashier. The activation code is sent by email or SMS to the Merchant's telephone number (which is mainly specified in the acquiring agreement). It depends on what means your Acquiring Service Provider has determined.‌ If you have problems obtaining initialization/activation codes, then you can configure the device in an alternative way: using the [Device Code](/guide/app-guide/device-setup#device-setup-using-a-device-code). ## Why does the password sent in SMS/email not work when logging in to the application? ‌The password received in the SMS/email is used to log in to the Merchant's web portal, not to log in to the application. If this is the first login to the Application, then the default Password is your Login (case sensitive). What is used as a Login in your situation is determined by your Acquiring Service Provider. For more information, please contact the support service of the Acquiring Service Provider.‌ ## When logging in to the terminal application, it says I must enter the initiation code. Where can I get it? Nothing comes to us. The initialization and activation codes are sent by the system to the Merchant's phone number or email address, which are mainly specified in the acquiring agreement. The phone number or email address may be different and not the ones you are using on your device at the moment.‌ ## When I login to the application, the message "Check the correctness of entered Username or password" pops up. What am I doing wrong? There may be several possibilities for such a situation to occur:‌ 1. If you have already activated the payment terminal and replaced the default password for the one of your own, make sure that you enter it. 2. If there is another cashier who also uses this device, with the same login/password, please check whether he/she has changed the password. 3. If you forgot the password that you set after activating the application, return the default password in the Merchant's Web portal. The details are [here](/guide/portal-guide/cashiers). 4. If your device is already linked to another Merchant (their payment terminal) and is used by them. In this case, you need to disconnect the device from the payment terminal of the "old" Merchant. This feature is available in the Merchant's Web portal under the account of the "old" Merchant. For more information, see [here](/guide/portal-guide/device-management). ‌ ## Why do I sometimes need to reconfigure my device? ‌ Device setup is the process of downloading the necessary data to your device that will allow you to use the Application in the future. The app can request to go through this process at any time, but on condition that there is a suspicion that your device does not meet the Security Criteria. See [here](/guide/app-guide/trusted-devices) for more details. ## Why can't I install the application on another smartphone? I receive a messages like "There are no available terminals for this device". What does it mean? ‌ We can assume that in the application to your Acquiring Service Provider you requested only one payment terminal, respectively, your second device cannot activate a payment terminal that does not exist (all are already activated and linked to other devices).‌ To "move" the payment terminal onto another smartphone, you should unbind the first smartphone from the terminal. This feature is available in the Merchant's Web portal. For more information, see [here.](/guide/portal-guide/device-management) # Accepting Payment ## When I try accept payment, a message is appeared "Security threat. Overlay the current screen by another application is prohibited. Please close all interfering applications and try again!" This message occurs due to some culprit applications such as Facebook Messenger, Whatsapp, Viber, Skype, Twilight, Сleaner-master, Drupe or any application that can be an add-on over other applications (i.e. can display something on the screen above all other applications). Option 1. Just close all applications and then try again. Option 2. Uninstall applications such as Clean Master, CCleaner, DU Speed ​​Booster, Go Speed ​​or other applications that are advertised as junk cleaner or mobile device boosters. Option 3. Try uninstalling antivirus applications (Eset Nod32 Mobile Security & Antivirus, Kaspersky Internet Security Mobile, etc.). Option 4. For previously installed applications, you need to disable all permissions that allow to overlay the screen of other applications 1. Go to "Settings", 2. select "Apps", 3. gear icon or , 4. select Draw Over Other Applications. In different devices (different manufacturers), the name may differ. For example, there may be such options as "Display over other applications" or "Picture in picture". Also, this permission can be found in the "Special Access" section 5. disable the screen overlay option for those applications that have it enabled. 6. you also need to disable screen overlay permissions for hidden system applications by clicking the "Show system applications" icon Option 5. Go to Settings> Apps> Default Apps> Device assistence app> Analyze on-screen text - disable. In different devices (different manufacturers), the name may differ, but the permission must be disabled for the device assistance app that may to analyze text shown on the screen to provide related content) Option 6. Turn off all functions (including system ones) related to gesture controls (in some devices, these functions are presented in the "Settings"> "Advanced settings" menu (or the section related to screen settings)> "Full-Screen"). Option 7. Turn off all functions to quickly launch applications, including system ones: Touch Assistant, Edge Panel, etc. (in some devices, these functions are presented in the "Settings"> "Advanced settings" menu (or the section related to screen settings)> "Touch Assistant"). Option 8. Check for updates to the Android operating system for your device and update to the most recent version. When I bring the card to the smartphone, nothing happens, and after a while, the message "The time for the transaction has expired" appears. Why doesn't the payment go through? 1. Make sure that the card is really contactless (marked with an icon) 2. Make sure that the card is applied to the location of the NFC module of your device. For more information, see [here](/guide/app-guide/payments#where-to-bring-the-payment-card). 3. Perhaps the case on your device blocks the signal of your NFC antenna. 4. Make sure that the card is not removed from the field of reading of the NFC module too quickly. 5. Perhaps the antenna of the card itself is damaged (this is not a rare case, so you can check with the client how their card works on other payment terminals) 6. The NFC module may be damaged. You can try installing a third-party application designed to read NFC tags (for example, like [this](https://play.google.com/store/apps/details?id=com.wakdev.wdnfc)), and test the operation of your NFC with the help this application. ## The smartphone cannot see any cards. What's the matter? 1. Make sure that the card is really contactless (marked with an icon) 2. Make sure that the card is applied to the location of the NFC module of your device. For more information, see [here](/guide/app-guide/payments#where-to-bring-the-payment-card). 3. Perhaps the case on your device blocks the signal of your NFC antenna. 4. Make sure that the card is not removed from the field of reading of the NFC module too quickly. 5. Perhaps the antenna of the card itself is damaged (this is not a rare case, so you can check with the client how their card works on other payment terminals) 6. The NFC module may be damaged. You can try installing a third-party application designed to read NFC tags (for example, like [this](https://play.google.com/store/apps/details?id=com.wakdev.wdnfc)), and test the operation of your NFC with the help this application. # Device Management Why can't I see all my transactions in the app on my phone? In the Application, you can only see the operations of the current (not closed) business day performed on a specific device. In the Merchant's web portal, you can see all transactions for any period of interest and for any device, print out reports, track and change the status of your cashiers, disconnect the application from one device to let it be installed on another. ## How do I unbind my old smartphone in the Merchant portal so I could install app on another smartphone? This procedure is described in detail [here](/guide/portal-guide/device-management). If I work at two retail outlets for two different merchants, can I install two applications on my smartphone to accept payments in two locations? The application can only be installed once per device. However, the possibility whether you can use different accounts in the Application or not will depend on which Acquiring Service Providers serve your Merchants. If the Merchants are served by different Acquiring Service Providers, it is possible to use different accounts of different Merchants on the same device. You will simply have to change the Acquiring Service Provider in the respective field on the Login screen. If the Merchants are served by the same Acquiring Service Provider, then the use of the accounts of these different Merchants is not supported by the Application. You will receive a message about an invalid username or password. In this situation, you will have to unbind the device from each Merchant (from the payment terminal) every time. See [here](/guide/portal-guide/device-management). # Developer Terms of Service These IBA Developer Terms of Service (“Developer Terms”) are a legal agreement between you ("Partner", “you,” “your”) and IBA Group, a.s. (“IBA,” “we,” “our” or “us”) governing your use of IBA’s
mobile application ("Application"), software development kit files (SDKs), tools, programs and utilities, as well as any plug-in or other application programming interfaces (“APIs”), sample code (including runtimes and libraries) and related documentation (collectively the “Developer Tools”). By using the Developer Tools, and related materials made available to you, you agree to be bound by these Developer Terms and any documentation and guidelines accompanying the Developer Tools, the IBA's [Acceptable Use Policy](/app-developer/acceptable-use-policy) ("AUP"), the [Privacy Notice](https://docs.tapxphone.com/v/en/general/privacy-policy), and all other terms, policies, and guidelines applicable to your use of Developer Tools. ### **1. Account Registration** > Provide accurate personal information during registration and keep the information current. We can suspend or terminate your account if you provide incomplete or false information. > > You are responsible for all activity on your account. You must open an account with us (a “Account”) to use the “Developer Tools”. During registration we will ask you for information, which may include but is not limited to, Partner's business name and other information. Partner must provide accurate and complete information in response to our questions, and must keep that information current. You are fully responsible for all activity that occurs under your Account, including for any actions taken by persons to whom you have granted access to the Account. We reserve the right to change the account type, suspend or terminate the Account of anyone who provides inaccurate, untrue, or incomplete information, or who fails to comply with the account registration or use requirements. ### **2. Your access to and use of Developer Tools and Content** > Use our Developer tools and services only as in these terms and in our documentation. You are responsible for how you use our services. We can change or stop offering these services at any time. 1. You may use the Developer Tools to access information created or retained in Account (“Content”) and use Application in connection with the applications, websites, products or services you operate and offer that interact with Developer Tools (“Your Service”). You are solely responsible for, and IBA disclaims all liability for, Your Service. 2. Your use of the Developer Tools and Content are subject to certain limitations on access, calls and use as set forth in these Developer Terms, in the IBA documentation accompanying such Developer Tools, or as otherwise provided to you by IBA. If IBA assigns you developer credentials or client IDs, you must use them with applicable Developer Tools. You will not misrepresent or mask either your identity or Your Service’s identity when using the Developer Tools or developer accounts. If IBA believes that you have attempted to exceed or circumvent these limitations, your ability to use the Developer Tools and Content may be temporarily or permanently blocked. 3. IBA may update the Developer Tools at any time, and may discontinue support for previous versions of the Developer Tools at IBA’s sole discretion. IBA will make reasonable efforts to notify you when a version of the Developer Tools will no longer be supported. 4. You will use the Developer Tools and operate Your Services which access the Developer Tools only as permitted by law (including without limitation, laws regarding the import or export of data or software, privacy, or data-security as applicable). You will not use the Developer Tools to encourage or promote illegal activity. You will only access the applicable Developer Tools following the implementation instructions and other requirements specified in the documentation for such Developer Tools, or as otherwise provided by IBA from time to time. 5. You are fully responsible for the security of data on your side and the data processed via Your Services. 6. You provide IBA with a paid-up, royalty-free, revocable, worldwide, non-exclusive, non-transferable license to use Your Services for testing, review or other related purposes to ensure that Your Services comply with these Developer Terms. You may revoke this license at any time by providing written notice to us. If you revoke this license, your access to the Developer Tools and Content will immediately terminate. 7. You, together with an acquiring service provider that approved the provision of Your Services independently provide consultations, service, technical or any other support to third-parties (including merchants) related to the functioning of the Application or the provision of services by You (or the acquiring service provider) to third-parties (including merchants). ### **3. Developer Tools Access Prohibitions** > Don’t modify, decompile, resell or sublicense our developer tools or content, and don’t create a service that does the same thing that we do. You shall not, and shall not permit any authorized users to, use the Developer Tools and Content for any purposes beyond the scope of the access granted in these Developer Terms and the terms of any invoice provided by IBA. You shall not at any time, directly or indirectly, and shall not permit any authorized users to: (i) copy, modify Developer Tools, in whole or in part, or create derivative work thereof; (ii) rent, lease, lend, sell, license, sublicense, assign, distribute, publish, transfer, or otherwise make available the Developer Tools and Content except as expressly permitted under these Developer Terms; (iii) reverse engineer, disassemble, decompile, decode, adapt, or otherwise attempt to derive or gain access to any software component of the Developer Tools, in whole or in part; (iv) use the Developer Tools in order to build a competitive product or service; (v) copy any features, functions or graphics of the Developer Tools; (vi) use the Developer Tools to store or transmit infringing, libelous, or otherwise unlawful or tortious material, or to store or transmit material in violation of third-party privacy rights; (vii) remove any proprietary notices from the Developer Tools and Content; or (viii) use the Developer Tools and Content in any manner or for any purpose that infringes, misappropriates, or otherwise violates any intellectual property right or other right of any person, or that violates any applicable law, regulation, or rule. If the restriction set forth in clause (iii) above is prohibited by applicable law, you shall provide IBA with detailed prior written notice of any such intention to reverse engineer the Developer Tools and shall provide IBA with a right of first refusal to perform such work at rates equal to those proposed by a recognized third-party software services provider for such work. ### **4. Paid Developer Tools** > Lots of what we offer is free, but we offer paid test API as part of Developer Tools too. This clause applies to you if you use IBA's test API more than two months from the date of account registration, unless you are an existing IBA client, under another signed agreement for the use of paid Software/Solutions, in which case IBA’s Developer Tools are provided free of charge. IBA’s Developer Tools include both paid-for Tools (“Paid Tools”) and free Tools, for which no fees are charged (“Free Tools”). IBA offers certain Paid Tools to be paid for on a recurring basis (“Subscription Tools”). Subscription Tools may subject you to recurring fees and/or terms. By signing up for a Subscription Tools for a defined term ("Subscription Term"), including after any free trial period, you agree to pay us the subscription fee (“Subscription Fee”) and any applicable Taxes (as defined below). You shall pay IBA the Subscription Fee as described in the applicable invoice on the dates indicated therein. Monthly Subscription Fee is 200 (two hundred) EUR. You shall make payment hereunder in EUR for the entire Subscription Term in advance. Subscription Fee and other amounts payable by You under these Developer Terms are exclusive of taxes and similar assessments. You are responsible for all sales, use, and excise taxes, and any other similar taxes, duties, and charges of any kind imposed by any federal, state, or local governmental or regulatory authority on any amounts payable by You hereunder, other than any taxes imposed on IBA's income. ### **5.** Confidentiality **CONFIDENTIALITY OBLIGATIONS** You acknowledge that all Developer Tools and related materials provided by IBA are considered confidential information. You agree to: (i) keep the Developer Tools and related materials confidential; (ii) use the Developer Tools and related materials solely for the purpose of developing and operating applications, websites, products, or services that interact with the Developer Tools; and (iii) not disclose any part of the Developer Tools or related materials to any third party without IBA’s prior written consent. You shall take all reasonable measures to protect the confidentiality of the Developer Tools and related materials, using at least the same level of care that you use to protect your own confidential information of a similar nature, but in no event less than a reasonable standard of care. **EFFECTIVE TERM OF OBLIGATIONS** Your obligations under this Confidentiality chapter will commence upon your acceptance of these Developer Terms and will continue until the earlier of: (i) the date that such confidential information becomes publicly known and made generally available through no action or inaction by you, or (ii) three years after the termination of your Account or any related agreement with IBA. **REMEDIES** You acknowledge that any breach of your confidentiality obligations may cause irreparable harm to IBA, for which monetary damages would be inadequate. In the event of such a breach or threatened breach, IBA shall be entitled to seek equitable relief, including injunctive relief and specific performance, in addition to any other legal or equitable remedies. You agree to indemnify and hold IBA harmless from and against any loss, cost, damage, or expense (including reasonable attorneys' fees) arising out of or in connection with any breach of this Confidentiality chapter. ### **6. Submission of Content** > We have broad license rights over content you submit or display through our service. We will only use your content to provide our services and as allowed under our privacy notice. You agree that you have the rights needed to license us content you submit through our services. Certain Developer Tools allow for the submission of Content, and except as expressly provided in these terms, IBA does not acquire any ownership of any intellectual property rights that you or the Merchants hold in the Content that you submit using the Developer Tools. By submitting, posting or displaying content to or from the Developer Tools through Your Service, you give IBA a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to reproduce, adapt, modify, translate, publish, publicly perform, publicly display and distribute such Content. However, IBA will only use such Content for the purpose of enabling IBA to provide its services, the Developer Tools and only in accordance with the [Privacy Notice](https://docs.tapxphone.com/v/en/general/privacy-policy) and other applicable policies. You represent that, before you submit content via the Developer Tools and Your Service, you have the necessary rights (including any necessary rights from Merchants) to grant us aforementioned the license. ### **7. Ownership. Feedback** > We own all rights in our tools, marks, content and services. You retain rights to your apps, websites, products or services that interact with our services. > > We can freely use any feedback you give us at no charge. As between you and us, (a) we own all right, title, and interest, including all intellectual property rights, in and to the Developer Tools; and (b) you own all right, title, and interest, including all intellectual property rights, in and to Your Service and Content. If you or any of your employees, contractors, or agents sends or transmits any communications or materials to us by mail, email, telephone, or otherwise, suggesting or recommending changes to the Developer Tools, including without limitation, new features or functionality relating thereto, or any comments, questions, suggestions, or the like ("Feedback"), we are free to use such Feedback irrespective of any other obligation or limitation between you and us governing such Feedback. All Feedback is and will be treated by us as non-confidential. You hereby assign to us on your behalf, and shall cause your employees, contractors, and agents to assign, all right, title, and interest in, and we are free to use, without any attribution or compensation to you or any third party, any ideas, know-how, concepts, techniques, or other intellectual property rights contained in the Feedback, for any purpose whatsoever, although we are not required to use any Feedback ### **8. Termination** > We can terminate or refuse your access to the tools at any time, for any reason. We can also change or discontinue a certain tool or feature at any time. You can terminate these developer terms by deactivating your account at any time. We may terminate these Developer Terms, suspend or terminate your Account at any time for any reason. We may add or remove, suspend, stop, delete, discontinue or impose conditions on the Developer Tools or any feature or aspect of the Developer Tools. We will take reasonable steps to notify you of termination by email or at the next time you attempt to access your Account or the Developer Tools. If these Developer Terms or your Account is terminated or suspended for any reason or no reason: (a) the license and any other rights granted under these Developer Terms and any other applicable terms will end, (b) we may (but have no obligation to) delete your information and account data stored on our servers, and (c) IBA shall not be liable to you or any third party for compensation, reimbursement, or damages for any termination or suspension of your Developer Tools, or for deletion of your information or account data. If your Account is terminated or suspended, you agree to: a) continue to be bound by these Developer Terms in accordance with Clause 16 hereof (Survival), b) immediately stop using the Developer Tools; c) immediately stop accessing all Merchants Content; and d) delete all Merchants Content from your systems. You further agree that IBA has the right to audit your deletion of all Merchants Content, including after your Account has been terminated. ### **9. No Warranties** > While we do our best to bring great products and services to our customers, we provide them as-is, without warranties. We are not responsible for any goods and services that you might buy or sell using IBA’s services. DEVELOPER TOOLS ARE PROVIDED “AS IS” WITHOUT REPRESENTATION OR WARRANTY, WHETHER IT IS EXPRESS, IMPLIED, OR STATUTORY. WITHOUT LIMITING THE FOREGOING, IBA SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. IBA DOES NOT WARRANT OR GUARANTEE THAT THE DEVELOPER TOOLS ARE ACCURATE, RELIABLE OR CORRECT; THAT THE DEVELOPER TOOLS WILL MEET YOUR REQUIREMENTS; THAT THE DEVELOPER TOOLS WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, ERROR-FREE, WITHOUT DEFECT OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE DEVELOPER TOOLS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE DEVELOPER TOOLS ARE DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD. IBA does not warrant, endorse, guarantee, or assume responsibility for any product or services advertised or offered by a third party. IBA does not have control of, or liability for, goods or services that are paid for using the Developer Tools. ### **10. Limitation of Liability** > As described below, if something bad happens because of your use of our services, our liability is capped. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL IBA BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER TANGIBLE OR INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE DEVELOPER TOOLS. IN ALL CASES, IBA WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE THAT IS NOT REASONABLY FORESEEABLE. UNDER NO CIRCUMSTANCES WILL IBA BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE DEVELOPER TOOLS OR YOUR ACCOUNT, OR THE INFORMATION CONTAINED THEREIN. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IBA ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF THE DEVELOPER TOOLS OR CONTENT; (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE DEVELOPER TOOLS; (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN; (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE DEVELOPER TOOLS; (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH THE DEVELOPER TOOLS BY ANY THIRD PARTY; (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR DATA OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT OR DATA POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE DEVELOPER TOOLS; AND/OR (VII) YOUR SERVICES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL LIABILITY OF IBA IS LIMITED TO THE GREATER OF (A) THE AMOUNT OF FEES EARNED BY US IN CONNECTION WITH YOUR USE OF THE SERVICES DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY OR (B) $100. THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF IBA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. ### **11. Indemnity** > If you do something that gets us sued or fined, you agree to cover our losses and damages. You will indemnify, defend, and hold us, our contractors, suppliers, providers and our respective employees, directors, agents, affiliates and representatives harmless from and against any and all claims, costs, losses, damages, judgments, tax assessments, penalties, interest, and expenses (including without limitation reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to: (a) any actual or alleged breach of your representations, warranties, or obligations set forth in these Developer Terms, including without limitation any violation of our policies; (b) your wrongful or improper use of the Developer Tools or Content; (c) your violation of any third-party right, including without limitation any right of privacy, publicity rights or Intellectual Property Rights; (d) your violation of any law, rule or regulation of the Czech Republic or any other country; or (e) any other party’s access and/or use of the Developer Tools with your unique name, password or other appropriate security code. ### **12. Modification of Terms** > We may make updates to our terms or service at any time. By continuing to use our services after these updates, you will be agreeing to the revised terms. We may amend these Developer Terms and the documentation and guidelines accompanying the applicable Developer Tools, at any time with notice that we deem to be reasonable in the circumstances, by posting the revised version on our website or communicating it to you through your Account (each a “Revised Version”). The Revised Version will be effective as of the time it is posted, but will not apply retroactively. Your continued use of and access to the Developer Tools after the posting of a Revised Version constitutes your acceptance of such Revised Version. ### **13. Governing Law and Jurisdiction.** These Developer Terms is governed by and construed in accordance with the laws of the Czech Republic without giving effect to any choice or conflict of law provision or rule that would require or permit the application of the laws of any jurisdiction other than those of the Czech Republic. Any legal suit, action, or proceeding arising out of or related to these Developer Terms or the rights granted hereunder will be instituted exclusively in the courts of the Czech Republic, and each party irrevocably submits to the exclusive jurisdiction of such courts in any such suit, action, or proceeding. ### **14. Assignment** You may not transfer any rights you have under our terms of service to anyone else. These Developer Terms and any rights and licenses granted hereunder, may not be transferred or assigned by you and any attempted transfer or assignment will be null and void. ### **15. Publicity** Unless you request in writing, which may be via e-mail, to be added to the IBA unauthorized logos list, you agree to be identified as a customer or partner of IBA and agree that IBA may refer to you by name, trade name and/or trademark, if applicable, and may briefly describe your business in IBA’s marketing materials and on IBA’s websites. You hereby grant IBA a license to use your name and any of your trade names and trademarks solely in connection with the rights granted to IBA pursuant to this Section 14. You also grant IBA the right to add your name and company logo to our customer or partner list and website. ### **16. Other Provisions** These Developer Terms and any other applicable terms or policies, are a complete statement of the agreement between you and IBA regarding the Developer Tools. If any provision of these Developer Terms is invalid or unenforceable under applicable law, then it will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. These Developer Terms do not limit any rights that IBA may have under trade secret, copyright, patent, or other laws. No waiver of any term of these Developer Terms shall be deemed a further or continuing waiver of such term or any other term. ### **17. Survival** Some terms of our agreement will still apply even after our relationship ends. The following sections of these Developer Terms survive and remain in effect in accordance with their terms upon termination of this Agreement: 5 (Ownership. Feedback), 6 (Termination), 7 (No Warranties), 7 (Limitation of Liability), 9 (Indemnity), 11 (Governing Law), 12 (Assignment) and 14 (Other Provisions). # Acceptable Use Policy This Acceptable Use Policy (this “Policy”) applies to the use of IBA Group a.s ("IBA")
mobile application ("Application"), software development kit files (SDKs), tools, programs and utilities, as well as any plug-in or other application programming interfaces (“APIs”), sample code (including runtimes and libraries) and related documentation (collectively the “Developer Tools”, "Software). This Policy is in addition to any other terms and conditions under which IBA provides the service or software to you. IBA may make reasonable modifications to this Policy from time to time by posting a new version of this document on the IBA website. Revisions are effective immediately upon posting. Accordingly, we recommend that you visit the IBA website regularly to ensure that your activities conform to the most recent version. The examples listed in this Policy are not exhaustive. (a) Prohibited uses and activities include, without limitation, any use of the Developer Tools in a manner that, in IBA’s reasonable judgment, involves, facilitates, or attempts any of the following: Conduct and Information Restrictions * violating any law of, or committing conduct that is tortuous or unlawful in, any applicable jurisdiction; * displaying, performing, sending, receiving or storing any content that is obscene, pornographic, lewd, lascivious, or excessively violent, regardless of whether the material or its dissemination is unlawful; * advocating or encouraging violence against any government, organization, group, individual or property, or providing instruction, information, or assistance in causing or carrying out such violence, regardless of whether such activity is unlawful; * uploading, posting, publishing, transmitting, reproducing, creating derivative works of, or distributing in any way information, software or other material obtained through the Service or otherwise that is protected by copyright, trade secret or other intellectual property right, without obtaining any required permission of the owner; * deleting or altering author attributions, copyright notices, or trademark notices, unless expressly permitted in writing by the owner; * transmitting highly sensitive personal information of an individual in a manner that can be associated with the individual, such as Social Security number, government-issued identification number, health or medical information, credit card or debit card number, financial account information, access codes and PINS, or date of birth; * obtaining unauthorized access to any system, network, service, or account; * interfering with service to any user, site, account, system, or network by use of any program, script, command, or otherwise; * evading spam filters, or sending or posting a message or e-mail with deceptive, absent, or forged header or sender identification information; * transmitting unsolicited bulk or commercial messages commonly known as “spam;” * sending very large numbers of copies of the same or substantially similar messages, empty messages, or messages which contain no substantive content, or send very large messages or files that disrupts a server, account, blog, newsgroup, chat, or similar service; * participating in the collection of very large numbers of e-mail addresses, screen names, or other identifiers of others (without their prior consent), a practice sometimes known as spidering or harvesting, or participate in the use of software (including “spyware”) designed to facilitate this activity; * falsifying, altering, or removing message headers; * impersonating any person or entity, engage in sender address falsification, forge anyone else's digital or manual signature, or perform any other similar fraudulent activity (for example, “phishing”); * using any mobile apps that does not including in Solution Partner application or Solution Partner questionnaire; * using the credentials of an acquiring service provider if it has not granted permission to access the IBA's software using such data, as well as the data of its Merchants; Technical Restrictions * accessing any other person's computer or computer system, network, software, or data without his or her knowledge and consent; breaching the security of another user or system; or attempting to circumvent the user authentication or security of any host, network, or account. This includes, but is not limited to, accessing data not intended for you, logging into or making use of a server or account you are not expressly authorized to access, or probing the security of other hosts, networks, or accounts without express permission to do so; * using or distributing tools or devices designed or used for compromising security or whose use is otherwise unauthorized, such as password guessing programs, decoders, password gatherers, keystroke loggers, analyzers, cracking tools, packet sniffers, encryption circumvention devices, or Trojan Horse programs; * copying, distributing, or sublicensing any proprietary software provided in connection with the Developer Tools by IBA; * distributing programs that make unauthorized changes to software; * altering, modifying, or tampering with the Developer Tools or permitting any other person to do the same who is not authorized by IBA; Network and Usage Restrictions * restricting, inhibiting, or otherwise interfering with the ability of any other entity, to use or enjoy the Service, including posting or transmitting any information or software which contains a worm, virus, or other harmful feature, or generating levels of traffic sufficient to impede others’ ability to use, send, or retrieve information; * restricting, inhibiting, interfering with, or otherwise disrupting or cause a performance degradation to the Developer Tools or any IBA host, server, backbone network, node or service, or otherwise cause a performance degradation to any IBA facilities used to deliver the Developer Tools; or * interfering with computer networking or telecommunications service to any user, host or network, including, without limitation, denial of service attacks, flooding of a network, overloading a service, improper seizing and abusing operator privileges, and attempts to “crash” a host. (b) At the same time, in order to use the Developer Tools, the Partner must comply with the following requirements: * Solution Partner mobile applications have to enforce the use of an end-to-end secure channel (such as SSL/TLS) when sending sensitive information to Solution Partner Backend; * unique identification of the users of Solution Partner mobile application have to be used; * unique identification of the devices (on which the Solution Partner mobile application is installed) have to be used; * access to the Solution Partner mobile application and Backend must be provided only to Authorized users; * in order to prevent unauthorized access, devices should be password protected using the features of the device and Solution Partner mobile application must be protected using a strong password; * all data received or sent to IBA’s Software have to be stored safely on the Solution Partner Backend (if applicable). It is forbidden to store data in the Solution Partner mobile application received from IBA’s Software; * ensure passwords, cryptographic keys, sensitive data are not visible in cache or logs; * the parameter that will be used by Solution Partner Backend as the merchant's authentication data must be agreed and approved by the acquiring service provider that has registered the relevant Merchant in the IBA'a Software; * available payment configuration for merchants (types of transactions, limits, currency, etc.) the Solution Partner agrees and approves with the acquiring service provider; * Solution Partner must audit the mobile application and Backend at least once a year. At a minimum, the Solution Partner must eliminate the discovered vulnerabilities, as well as monitor the relevance of OS systems, device manufacturers and models supported by Application; * if a user of the Solution Partner mobile application suspects that an unauthorized access to a mobile device or mobile application has occurred, he must report the incident to the Solution Partner, and in turn, the Solution Partner must block the user and notify the acquirer service provider about the incident. This clause must be specified in the Terms and Conditions for the Solution Partner mobile application (or Mobile Application End-User License Agreement) and the consent of the user with this agreement must be recorded. * if the mobile device is lost or stolen, it is required that the user of the Solution Partner mobile application immediately report the incident to the Solution Partner, in turn, the Solution Partner must block the device (that used the application) and notify the acquirer service provider. This clause must be specified in the Terms and Conditions for the Solution Partner mobile application (or Mobile Application End-User License Agreement) and the consent of the user with this agreement must be recorded. This Policy is in addition to any other terms and conditions under which IBA provides the Developer Tools to you. IBA RESERVES THE RIGHT TO NOTIFY ITS SOLUTION PARTNERS OF ANY INFORMATION THAT AFFECTS THE SECURITY OF THE DEVELOPER TOOLS. This Policy was last updated on February 11, 2022. # Sadržaj ## General {% content-ref url="/pages/RH1T7rbs0QtK14eZcjRZ" %} [Ugovor o licenci](/sr/general/app-license) {% endcontent-ref %} {% content-ref url="/pages/nX7jAdiujrTqBGXOBh8O" %} [Pravila za korišćenje aplikacije](/sr/general/app-rules) {% endcontent-ref %} {% content-ref url="/pages/kyvoZpw8M1aknFHeOy4w" %} [Politika privatnosti](/sr/general/privacy-policy) {% endcontent-ref %} ## Vodiči {% content-ref url="/pages/-MZbVjsXgmPc6awBoOzX" %} [Uputstvo za upotrebu aplikacije](/sr/app-guide) {% endcontent-ref %} {% content-ref url="/pages/-MZbWcV-rErQ2WEa5kGh" %} [Vodič za veb portal trgovca](/sr/portal-guide) {% endcontent-ref %} ## Pomoć {% content-ref url="/pages/-MZgqMRxIxV9fSKmNRL6" %} [Neka druga pitanja? Možemo da odgovorimo](/sr/faq) {% endcontent-ref %} # Ugovor o licenci Pre korišćenja ove aplikacije, molimo da pročitate uslove Ugovora o licenci. Svako korišćenje aplikacije podrazumeva potpuno i bezuslovno prihvatanje uslova ovog Ugovora o licenci. Ukoliko niste saglasni sa uslovima Ugovora o licenci, ne možete da koristite ovu mobilnu aplikaciju za bilo koju svrhu. ## **1. Opšti uslovi** 1.1. Ovaj Ugovor o licenci («Licenca») definiše uslove za korišćenje mobilne
aplikacije («Aplikacija») i zaključuje se između bilo kog lica koje koristi Aplikaciju («Korisnik») i IBA Group a.s, 2583/13 Petrzilkova St., Prague 5, 158 00, Češka Republika, PDV br. CZ27365824, nosioca ekskluzivnih prava u vezi Aplikacije («Nosilac prava») 1.2. Kopiranjem Aplikacije, njenim instaliranjem na mobilni uređaj ili korišćenjem Aplikacije na bilo koji način, Korisnik izražava svoju potpunu i bezuslovnu saglasnost sa uslovima ove Licence. 1.3. Korišćenje Aplikacije je dozvoljeno samo pod uslovima ove Licence. Samo ukoliko Korisnik u potpunosti prihvati uslove licence, on/ona mogu da koriste Aplikaciju u svaku svrhu. Korišćenje Aplikacije koje je u suprotnosti (krši) bilo koji uslove ove Licence je zabranjeno. 1.4. Korišćenje Aplikacije od strane Korisnika pod uslovima ove Licence za komercijalne svrhe je besplatno. Korišćenje Aplikacije pod uslovima i na način koji nije predviđen ovom Licencom biće dozvoljeno samo na osnovu posebnog ugovora sa Nosiocem prava. 1.5. Korišćenjem Aplikacije, Korisnik se slaže da sledeća dokumenta, čiji uslovi su u celosti primenjivi na korišćenje Aplikacije, čine sastavni deo ove Licence: * Pravila za korišćenju Aplikacije, nalaze se na online adresi * Uputstvo za upotrebu Aplikacije koja se nalazi na mreži na veb adresi * Uputstvo za upotrebu veb portala trgovca koja se nalazi na mreži na veb adresi Ova dokumenta (uključujući bilo koje delove istih) mogu biti jednostrano izmenjena od strane Nosioca prava bez bilo kakvog daljeg obaveštenja. Revidirani dokument stupa na snagu po objavljivanju, osim ukoliko je drugačije definisano u novoj verziji ovog dokumenta. 1.6. Nosilac prava može da dostavi Korisniku prevod ove Licence sa engleskog na druge jezike, ali u slučaju bilo kakve nepodudarnosti pojmova vezanih za Licencu na engleskom i u prevodu Licence, Engleska verzija () ove Licence će se smatrati važećom. ## **2. Prava Aplikacije** 2.1. Nosilac prava ima ekskluzivna prava na ovu Aplikaciju. ## **3. Licenca** 3.1. Nosilac prava ustupa Korisniku jednostavnu (neekskluzivnu), neprenosivu, besplatnu licencu za korišćenje Aplikacije bilo gde u svetu na sledeće načine: 3.1.1. Korišćenje aplikacije za nameravanu funkcionalnost, njenim kopiranjem i instalacijom (reprodukovanjem) na mobilni uređaj (uređaje) Korisnika. Korisnik može da instalira apllikaciju na neograničen broj mobilnih uređaja. 3.2. Korisnik ne može da izmeni naziv Aplikacije, izmeni i/ili izbriše obaveštenje o autorskim pravima ili drugo obeležje Nosioca prava. ## **4. Ograničenja** 4.1. Osim u slučaju korišćenja u okviru i na način koji je izričito propisan ovom Licencom, Korisnik ne sme da modifikuje, izvrši dekomplikaciju, rasklopi, dekriptuje ili izvrši bilo koje druge radnje sa sa kodom aplikacije u cilju dobijanja podataka o implementaciji algoritama korišćenih u aplikaciji, kreira derivativne radove na osnovu aplikacije, kao i da na drugi način koristi (dozvoli da se koristi) aplikacija, ili bilo koje komponente aplikacije pohranjene od strane Aplikacije na mobilnom uređaju korisnika, bez pismene saglasnosti Nosioca prava. 4.2. Korisnik nema pravo da distribuira Aplikaciju na bilo koji način, uključujući kao deo komplilacija Aplikacije, bez pismene saglasnosti Nosioca prava. 4.3. Korisnik ne može da distribuira Aplikaciju u bilo kojoj formi osim u formi u kojoj je istu dobio, bez pismene saglasnosti Nosioca prava. 4.4. Korisnik ne može da koristi Aplikaciju ukoliko kopiju iste nije dobio i instalirao preko Google play prodavnice. 4.5. Pri korišćenju Aplikacije, Korisnik neće: 4.5.1. povrediti prava trećeg lica, uključujući maloletnike i/ili na bilo koji način izazvati štetu; 4.5.2. lažno predstavljati bilo koje lice ili predstavnika organizacije i/ili zajednice bez ovlašćenja da to učini, uključujući zaposlene Nosioca prava i/ili Banku prihvatioca, za predstavnike partnera Nosioca prava i primeniti bilo koji oblik i način nezakonitog zastupanja drugih lica na online osnovi, kao ni pogrešno navesti Korisnike kartica i Nosioca prava u vezi odlika i karakteristika bilo kojih lica ili predmeta; 4.5.3. koristiti podatke iz ovlašćenja koji ne pripadaju Korisniku, koristiti elektronska sredstva plaćanja (uključujući bankovne kartice) bez fizičkog prisustva Korisnika kartice; 4.5.4. prikupiti i čuvati podatke o ličnosti drugih lica bez odgovarajućeg ovlašćenja; 4.5.5. prekidati normalno funkcionisanje Aplikacije, uključujući: 4.5.5.1. instalirati bilo koji software/firmware na mobilnom uređaju na kojem je Aplikacija instalirana, a koji ima za cilj dobijanje pristupa za funkcije koje nisu planirane za Korisnika; 4.5.5.2. preneti na mobilni uređaj na koji je Aplikacija instalirana piratski softver ili nezakoniti sadržaj; 4.5.5.3. instalirati maliciozne aplikacije na mobilni uređaj na kojem je Aplikacija instalirana; 4.5.5.4. preneti fotografiju i/ili video snimak događaja na ekran mobilnog uređaja u toku rada Aplikacije. 4.5.5.5. instalirati druge aplikacije iz nepouzdanih izvora na uređaj na kojem je Aplikacija instalirana. 4.5.5.6. pomagati u bilo kojim radnjama kojima se krše bilo koja ograničenja i zabrane utvrđene ovom Licencom; 4.5.5.7. na drugi način kršiti pravne standarde, uključujući međunarodni zakon. ## **5. Uslovi korišćenja specifičnih funkcija Aplikacije** 5.1. Određene funkcije Aplikacije mogu biti dostupne samo kada su povezane sa internetom. Isključiva odgovornost pada na Korisnika da obezbedi i plati takvu Internet konekciju pod uslovima i u skladu sa tarifom njegovog provajdera mobilne telefonije ili provajdera internet usluge. 5.2. Aplikacija obezbeđuje Korisniku, u okviru ugovora sa njegovom Bankom prihvatiocem, mogućnost da prihvata plaćanja karticom koja vrše Korisnici kartica. 5.3. Nosilac prava nije odgovoran za sadržaj i/ili značaj parametara konfiguracije koji su potrebni za prihvat plaćanja uz korišenje Aplikacija obezbeđenih od strane Banke prihvatioca. Nosilac prava nije odgovoran za sadržaj i/ili značaj informacija pruženih od strane Banke prihvatioca, uključujući informacije o troškovima usluga, kao i njihovu trenutnu dostupnost. 5.4. Korisnik u interakciju sa Bankom prihvatiocem ugovara uslugu prihvata plaćanja karticama i zaključuje potreban ugovor nezavisno (bez učešća Nosioca prava) u skladu sa pravilima za pružanje usluga usvojenih od strane Banke prihvatioca. 5.5. Nosilac prava nije odgovoran za finansijske i bilo koje druge operacije izvršene od strane Korisnika i Banke prihvatioca, kao i za bilo koje druge posledice akvizicije usluge prihvata od strane Korisnika od relevantne Banke. 5.6. Korisnik je ovim Ugovorom obavešten, razume i saglasan je da Aplikacija može da prikuplja anonimizovane statističke i monitoring podatke o korišćenju Aplikacije, kao i na mobilnom uređaju na koji je Aplikacija instalirana i da ih automatski prenese na Nosioca prava. 5.7. Korisnik razume da je samostalno izabrao mobilni uređaj na kojem se Aplikacija koristi. Shodno tome, Korisnik je ovim Ugovorom obavešten i saglasan je da Nosilac prava nije odgovoran za kvalitet korišćenog mobilnog uređaja, njegovih hardverskih komponenti, što bi moglo da ima za posledicu greške, prekide u radu, spor i loš kvalitet rada Aplikacije ili njenih pojedinačnih komponenti i/ili karakteristika.. ## **6. Odgovornost u okviru Licence** 6.1. Aplikacija je dostavljena pod «aktuelnim» uslovima. Nosilac prava ne daje bilo kakve garancije u pogledu nesmetanog rada i rada bez greške Aplikacije, ili njegovih pojedinačnih komponenti i/ili karakteristika, usklađenost Aplikacije sa konkretnim ciljevima i očekivanjima Korisnika, bezbednosti fajlova i/ili podataka Korisnika i ne daje bilo kakve druge garancije koje nisu izričito definisane u ovoj Licenci. 6.2. Nosilac prava nije odgovoran za bilo koje direktne ili indirektne posledice bilo kakvog korišćenja, ili nemogućnosti za korišćenje Aplikacije i/ili štetu koju je Korisnik pretrpeo i/ili treća lica usled bilo kakvog korišćenja ili nemogućnosti za korišćenje Aplikacije ili pojedinačnih komponenti iste i/ili karakteristika, uključujući situacije usled mogućih grešaka ili nedostataka Aplikacije 6.3. Ova Licenca i svi odnosi povezani sa korišćenjem Aplikacije regulisani su zakonima Češke Republike. ## **7. Ažurirane verzije / nove verzije Aplikacije** 7.1. Ova Licenca se primenjuje na sve buduće ažurirane/nove verzije Aplikacije. Ugovaranjem instaliranja ažurirane ili nove verzije Aplikacije, Korisnik prihvata uslove ove Licence za takve ažurirane/nove verzije Aplikacije, osim u slučaju kada je takva ažurirana verzija ili instaliranje nove verzije propraćeno drugim Ugovorom o licenci. ## **8. Izmene uslova ove Licence** 8.1. Ovaj Ugovor o licenci može biti jednostrano izmenjen od strane Nosioca prava. Ove izmene u pogledu ugovora o licenci stupaju na snagu od datuma objavljivanja, osim ukoliko je drugačije navedeno u relevantnoj publikaciji. IBA Group a.s 2583/13 Petrzilkova St., Prague 5, 158 00, Czech VAT No. CZ27365824 Datum objavljivanja: 06/01/2020 № 244-144/2020 # Pravila za korišćenje aplikacije ## **1. Opšti uslovi** 1.1. Ova Pravila (u daljem tekstu: „Pravila“) predstavljaju predlog IBA Group a.s. (u daljem tekstu: IBA Group) za korisnika mobilnog uređaja (u daljem tekstu: „Korisnik“) za korišćenje mobilne
aplikacije (u daljem tekstu: „Aplikacija“). 1.2. Rad Korisnika sa Aplikacijom podleže ovim Pravilima i sledećim dokumentima IBA Group: * Ugovor o licenci za korišćenje Aplikacije objavljene na internet adresi: * Uputstvo za upotrebu mobilne Aplikacije koja se nalazi na mreži na veb adresi * Uputstvo za upotrebu veb portala trgovca koja se nalazi na mreži na veb adresi (u daljem tekstu: “Regulatorna dokumenta”). 1.3.Kada počinje da koristi Aplikaciju/njene određene funkcije, smatra se da Korisnik prihvata ova Pravila i uslove iz Regulatornih dokumenata u celosti, bez pitanja ili izuzetka. Ukoliko se Korisnik ne slaže sa nekim odredbama Pravila i/ili Regulatornih dokumenata, Korisnik neće moći da koristi Aplikaciju. 1.4. IBA Group može u bilo koje vreme, bez obaveštavanja Korisnika, izmeniti ova Pravila i Regulatorna dokumenta. Korisnik snosi rizik da ne pročita revidiranu verziju Pravila i Regulatornih dokumenata; dalje korišćenje Aplikacije nakon izmene Pravila ili Regulatornih dokumenata predstavlja saglasnost sa revidiranom verzijom istih. 1.5. Korisnik će prestati da koristi Aplikaciju ukoliko nije saglasan sa bilo kojom izmenom Pravila izvršenih od strane IBA Group na način koji je propisan u klauzuli 1.4. ovih Pravila. 1.6. Aplikacija pruža Korisniku, u okviru ugovora sa njegovom Bankom prihvatiocem, mogućnost za prihvat plaćanja izvršenih od strane Korisnika kartica. Sve trenutno dostupne funkcije Aplikacije, kao i bilo koji njihov razvoj i/ili novododate funkcije podležu ovim Pravilima. 1.7. U zavisnosti od strukture plaćanja kojoj bankovna kartica pripada, Banke prihvatioca, regiona Korisnika, bilo kojih ili svih funkcija Aplikacije mogu biti nepristupačne ili ograničene. Smatra se da su funkcije nepristrupačne (ograničene) za Korisnika, ukoliko taj Korisnik nije u mogućnosti da ih eksplicitno koristi. Zabranjeno je korišćenje bilo kojih tehničkih i softverskih metoda da bi se prevazišla ova ograničenja. Odredbe ovih Pravila koja regulišu funkcije Aplikacije koje su nepristupačne (ograničene) za Korisnika neće se primenjivati dok takve funkcije ne postanu eksplicitno pristupačne za Korisnika. 1.8. Korišćenjem Aplikacije, Korisnik daje saglasnost za prijem reklamnih poruka. 1.9. IBA Group ne garantuje da će Aplikacija funkcionisati bez prekida, promptno, održivo i bez greške. 1.10. IBA Group nije odgovorna za kompletan prekid Aplikacije koji je proistekao kao posledica radnji preduzetih od strane Banke prihvatioca. 1.11. Aplikacija može samo da se koristi na mobilnim uređajima koi imaju operativni sistem Android 8.0 (i više) i koji su opremljeni NFC interfejsom (NFC modul sa antenom je sastavni deo i ugrađen na mobilnom uređaju) i koji podržava Google Play usluge. 1.12. Korisnik nezavisno snosi rizik za kvalitet korišćenog mobilnog uređaja, njegovog hardvera, njegovih hardverskih komponenti, što može dovesti do grešaka, prekida u radu, sporog i lošeg funkcionisanja Aplikacije ili njegovih pojedinačnih komponenti i/ili funkcija.. 1.13. Korisnik je obavešten da IBA Group može da prekine korišćenje Aplikacije na mobilnim uređajima na kojima su instalirani operativni sistemi koji ne ispunjavaju zahteve: * Sistem međunarodnih plaćanja Visa i Mastercard u okviru programa "Tap to Phone" i "Tap on Phone" rešenja; * Industrija platnih kartica, kao deo beskontaktnih plaćanja na komercijalnom Off-the-Shelf programu i koji imaju hardverske komponente koje kreiraju osetljivosti u korišćenju Aplikacije. 1.14. Korisnik razume da IBA Group može privremeno ili potpuno prestati da koristi Aplikaciju na mobilnim uređajima, ukoliko njihovo stanje ili radnje Korisnika dovode u pretnju bezbednost prihvata plaćanja. ## **2. Funkcija autentifikacije Korisnika i promena MPIN** 2.1. Korisnik se autentifikuje logovanjem i unosom lozinke (u daljem tekstu:“MPIN”), u kom slučaju Korisnik mora da unese odgovarajuće podatke. 2.2. Pri prvom logovanju, Aplikacija može da sugeriše promenu podrazumevanog MPIN-a. Korisnik može da preskoči ovaj korak i promeni MPIN kasnije. 2.3. Korisnik je odgovoran za bezbednost lozinke za pristup nalogu i dužan je da obezbedi poverljivost. Korisnik je odgovoran za sve radnje (i njihove posledice) u i sa Aplikacijom kroz nalog Korisnika, uključujući dobrovoljni transfer od strane Korisnika informacija koje su potrebne za pristup trećih lica nalogu Korisnika pod bilo kojim uslovima (uključujući prema ugovorima ili sporazumima). Sve radnje u ili sa Aplikacijom koje su izvršene preko naloga Korisnika smatraće se izvršenim od strane Korsinika. ## **3. Funkcija inicijalizacije mobilnog uređaja** 3.1. Da bi se koristila Aplikacija/njene određene funkcije, Korisnik mora da sprovede postupak inicializacije za registrovanje mobilnog uređaja Korisnika i njegovo aktiviranje kao platnog terminala za prihvat plaćanja karticama. 3.2. Da bi se uspešno završila registracija mobilnog uređaja i isti aktivirao kao platni terminal, Korisnik treba da unese verifikacioni kod u verifikacionoj formi. Način na koji Korisnik dobija verifikacioni kod utvrđuje Banka prihvatioc. ## **4. Funkcija beskontaktnog plaćanja** 4.1. Pre prijema plaćanja, Korisnik je dužan da unese iznos plaćanja. Da bi se izvršilo plaćanje, Korisnik može da sugeriše Potrošaču (u daljem tekstu: “Vlasnik kartice”) da prisloni beskontaktnu karticu na mobilni uređaj na kojem je lociran NFC modul sa antenom. 4.2. Korisnik mora da zahteva od Korisnika kartice verifikaciju putem Ličnog identifikacionog broja (u daljem tekstu: “PIN kod”) ukoliko iznos plaćanja premašuje definisane limite koje je ustanovila Banka prihvatioc. U ovom slučaju: 4.2.1. Korisnik mora približiti mobilni uređaj Korisniku kartice da unese PIN kod uz korišćenje virtuelne tastature; 4.2.2. pre nego što Vlasnik kartice unese PIN kod, Korisnik mora da obezbedi da se u cilju bezbednosti koristi tastatura sa nasumičnim redosledom tastera, kao i da se spreči mogućnost da bilo koje treće lice može da vidi unete podatke. U tu svrhu, Vlasnik kartice može rukom da prekrije ekran pri unosu podataka.; 4.2.3. Korisnik može da prati pravovremeni unos (bez dugih pauza) PIN koda od strane vlasnika kartice; 4.2.4. Korisnik ne sme da: * zahteva od Vlasnika kartice da saopšti PIN kod; * gleda unos podataka; * pravi fotografiju ili video snimak procesa unosa PIN koda; 4.2.5. Ukoliko Vlasnik kartice odbije da unese PIN kod ili napravi dugu pauzu u toku unosa, Korisnik mora da prekinu operaciju. 4.3. U zavisnosti od definisanih dozvola od strane sistema plaćanja, Korisnik može imati opciju da izvrši beskontaktno plaćanja ručnim unosom podataka sa kartice. U ovom slučaju: 4.3.1. sledeći podaci kartice su naznačeni: • broj kartice (u daljem tekstu: “PAN”); • datum isteka važnosti. 4.3.2. Korisnik može dati mobilni uređaj Korisniku kartice da unese podatke sa kartice uz korišćenje virtuelne tastature; 4.3.3. pre nego što Vlasnik kartice unese podatke sa kartice, Korisnik mora da obezbedi da se u cilju bezbednosti koristi tastatura sa nasumičnim redosledom tastera, kao i da se spreči mogućnost da bilo koje treće lice može da vidi unete podatke. U tu svrhu, Korisniku kartice se može preporučiti da rukom zakloni ekran pri unosu podataka;; 4.3.4. Korisnik ne sme da: * zahteva od Korisnika kartice da saopšti podatke sa kartice (osim podatke koji su neophodni za upoređivanje podataka sa računom); * gleda unete podatke; * pravi fotografiju ili video snimak procesa unosa podataka sa kartice; 4.4. Aplikacija omogućava Korisniku da pošalje digitalnu priznanicu, na broj mobilnog telefona, email adresu Korisnika kartice ili prikaže isti na monitoru mobilnog uređaja. 4.5. Korisnik može da verifikuje podatke kartice na priznanici na ekranu Aplikacije sa podacima sa kartice (prvih 6 cifara i posledenje 4 cifre PAN-a). ## **5. Funkcije storniranja i povraćaja** 5.1. Transakcija storniranja plaćanja (u daljem tekstu: „Storniranje“) od strane Korisnika može se izvršiti pre zatvaranja smene u sledećim slučajevima: * na inicijativu Korisnika kartice; * kada je unet pogrešan iznos, a transakcija već završena; * podaci kartice se ne podudaraju sa podacima iz ličnog dokumenta (ime i prezime); * broj kartice na računu razlikuje se od broja koji je naznačen na kartici. 5.2. Transakcija “Povraćaja” od strane Korisnika može se izvršiti u slučaju da Vlasnik kartice vrati proizvod/uslugu plaćenu korišćenjem kartice nakon kraja smene, ili deo iznosa treba da bude refundiran Korisniku kartice. Obavezan uslov izvršenja navedene transakcije uključuje proveru broja kartice Korisnika kartice (prvih 6 cifara i poslednje 4 cifre PAN-a) sa brojem kartice na priznanici za datu platnu transakciju. 5.3. Ako je operacija Storniranje ili Povraćaj odbijena iz bilo kog razloga, u ovom slučaju treba ponoviti pokušaj izvršenja transakcije ili vratiti traženu sumu na drugi način (na primer, gotovinom). ## **6. Zatvaranje radnog dana** 6.1. Pregled svih izvršenih transakcija u tekućem radnom danu Korisnik može da vidi u Aplikaciji. 6.2. U skladu sa rezultatima izvršenih transakcija u radnom danu (smeni), Korisnik mora zatvoriti radni dan (smenu), nakon čega će sve transakcije biti poslate u procesni centar. IBA Group a.s 2583/13 Petrzilkova St., Prague 5, 158 00, Czech VAT No. CZ27365824 Datum objavljivanja 06/01/2020 # Politika privatnosti ## **Šta obuhvata ova Politika privatnosti** Ova Politika privatnosti (u daljem tekstu, “Politika”) obuhvata sve informacije o korisniku (“Vama”) koje mogu da ukljujučuju podatke o ličnosti, kako je definisano važećim zakonima i propisima (u daljem tekstu, “Podaci o ličnosti ”), koje IBA Group a.s. (ili) njena povezana lica, uključujući sve entitete koji pripadaju istoj grupi kao IBA Group a.s. (u daljem tekstu, “IBA Group”), mogu dobiti kada koristite mobilnu
aplikaciju (u daljem tekstu, “Aplikacija”). Molimo da imate u vidu da vaše korišćenje Aplikacije može da podleže dodatnim uslovima i odredbama koje mogu biti izmenjene i/ili dopunjene u ovoj Politici i (ili) da uključuji posebne uslove privatnosti u odgovarajućim delovima pravnih dokumenata za takve Sajtove i/ili Usluge. ## **Ko obrađuje vaše podatke** IBA Group ne dobija i ne obrađuje vaše podatke o ličnosti. Kako bi se obezbedilo vaše korišćenje Aplikacije, vaša Banka prihvatioc može da prikuplja vaše podatke o ličnosti. ## **Vaša prava** Imate pravo da zahtevate od Banke prihvatioca: 1. da pregledate vaše podatke o ličnosti koje je Banka prihvatioc prikupila; 2. druge podatke vezane za vaše podatke o ličnosti predviđene važećim zakonom; 3. objašnjenje vaših prava u okviru obrade podataka o ličnosti od strane Banke prihvatioca u skladu sa važećim zakonom; 4. izvršavanje drugih obaveza prema vama od strane Banke prihvatioca, kao predmet podataka o ličnosti koje su obrađene od strane Banke, u skladu sa važećim zakonom. # Uputstvo za upotrebu aplikacije {% hint style="info" %} Informacije su dostupne samo na engleskom. Radimo na prevođenju na vaš jezik. {% endhint %} {% embed url="" %} # Vodič za veb portal trgovca {% hint style="info" %} Informacije su dostupne samo na engleskom. Radimo na prevođenju na vaš jezik. {% endhint %} {% embed url="" %} # Neka druga pitanja? Možemo da odgovorimo {% hint style="info" %} Informacije su dostupne samo na engleskom. Radimo na prevođenju na vaš jezik. {% endhint %} {% embed url="" %} # Përmbajtja ## Gjeneral {% content-ref url="/pages/9BA9c7HCMKFAqEGWUXfy" %} [Marrëveshja e licencës](/sq-al/gjeneral/app-license) {% endcontent-ref %} {% content-ref url="/pages/5xvBhYiAjBMwYM1IZXqj" %} [Rregullat për përdorimin e aplikacionit](/sq-al/gjeneral/app-rules) {% endcontent-ref %} {% content-ref url="/pages/4acNau43VwhdmNAqM7dr" %} [Njoftimi i privatësisë](/sq-al/gjeneral/privacy-policy) {% endcontent-ref %} ## Udhëzues {% content-ref url="/pages/-MZbVjsXgmPc6awBoOzX" %} [Udhëzuesi i përdorimit të aplikacionit](/sq-al/app-guide) {% endcontent-ref %} {% content-ref url="/pages/-MZbWcV-rErQ2WEa5kGh" %} [Manual utilizare Portal Comerciant](/sq-al/portal-guide) {% endcontent-ref %} ## Ndihmë {% content-ref url="/pages/-MZgqMRxIxV9fSKmNRL6" %} [Ndonjë pyetje tjetër? Ne Mund të Përgjigjemi](/sq-al/faq) {% endcontent-ref %} # Marrëveshja e licencës Përpara se të përdorni aplikacionin, ju lutemi, lexoni kushtet e marrëveshjes së licencës më poshtë. Çdo përdorim i aplikacionit nënkupton pranimin tuaj të plotë dhe të pakushtëzuar të kushteve të kësaj marrëveshjeje licence. Nëse nuk jeni dakord me ndonjë kusht të marrëveshjes së licencës, ju nuk mund ta përdorni aplikacionin celular për asnjë qëllim. ## **1.** Kushtet e përgjithshme 1.1. Kjo Marrëveshje Licence ("Licencë") përcakton kushtet për përdorimin e aplikacionit Celular
("Aplikacioni") dhe lidhet midis çdo personi që përdor Aplikacionin ("Përdoruesi") dhe IBA Group a.s, 2583/13 Rruga Petrzilkova., Pragë 5, 158 00, NUIS Çek Nr. CZ27365824, pronari i të drejtave eksklusive të Aplikacionit (“Mbajtësi i të drejtave”). 1.2. Duke kopjuar Aplikacionin, duke e instaluar në pajisjen e tij celulare ose duke përdorur Aplikacionin në çfarëdo mënyre, Përdoruesi shpreh pranimin e tij të plotë dhe të pakushtëzuar të kushteve të kësaj Licence. 1.3. Përdorimi i Aplikacionit lejohet vetëm sipas kushteve të kësaj Licence. Nëse Përdoruesi nuk i pranon plotësisht kushtet e licencës, ai / ajo nuk do ta përdorë Aplikacionin për asnjë qëllim. Përdorimi i Aplikacionit në shkelje (mosplotësim) të ndonjë prej kushteve të kësaj Licence është i ndaluar. 1.4. Përdorimi i Aplikacionit nga Përdoruesi sipas kësaj Licence për qëllime tregtare është pa pagesë. Përdorimi i Aplikacionit sipas kushteve dhe mënyrave që nuk parashikohen nga kjo Licencë do të lejohet vetëm në bazë të një marrëveshjeje të veçantë me Mbajtësin e të drejtave. 1.5. Duke përdorur Aplikacionin, Përdoruesi pranon që dokumentet e mëposhtme, kushtet e të cilave janë plotësisht të zbatueshme për përdorimin e Aplikacionit, janë pjesë përbërëse e kësaj Licence: * Rregullat për përdorimin e Aplikacionit postuar në internet në adresën e internetit * Udhëzuesi i përdorimit të Aplikacionit postuar në internet në adresën e internetit * Manual utilizare Portal Comerciant postata online la adresa web * Njoftimi i Privatësisë i postuar në internet në adresën e internetit Këto dokumente (duke përfshirë çdo pjesë të tyre) mund të ndryshohen në mënyrë të njëanshme nga Mbajtësi i të drejtave pa ndonjë njoftim të mëtejshëm. Dokumenti i rishikuar do të hyjë në fuqi pas publikimit, përveç nëse parashikohet ndryshe nga një version i ri i dokumentit. 1.6 Mbajtësi i të drejtave mund t'i sigurojë Përdoruesit një përkthim të kësaj Licence nga Anglishtja në gjuhë të tjera, por në rast të ndonjë mospërputhjeje midis kushteve të Licencës në Anglisht dhe përkthimit të saj, versioni në gjuhën Angleze i kësaj Licence do të jetë ai që mbizotëron. ## **2.** Të drejtat mbi Aplikacionin 2.1 Mbajtësi i të drejtave zotëron të drejtat ekskluzive mbi Aplikacionin. ## 3. Licenca 3.1. Mbajtësi i të drejtave i jep Përdoruesit një licencë të thjeshtë (jo ekskluzive), të patransferueshme, pa pagesë për të përdorur Aplikacionin kudo në botë në mënyrat e mëposhtme: 3.1.1. Përdorni aplikacionin për funksionalitetin e tij të synuar, duke e kopjuar dhe instaluar (duke e riprodhuar) në pajisjen(t) celulare të Përdoruesit. Përdoruesi mund të instalojë Aplikacionin në një numër të pakufizuar pajisjesh celulare. 3.2. Përdoruesi nuk mund të ndryshojë emrin e Aplikacionit, të modifikojë dhe/ose të fshijë një njoftim për të drejtën e autorit ose një tregues tjetër të Mbajtësit të të drejtave. ## 4. Kufizimet 4.1. Përveç përdorimit brenda kufijve dhe në mënyrën e përcaktuar shprehimisht nga kjo Licencë, Përdoruesi nuk mund të modifikojë, dekompilojë, çmontojë, deshifrojë ose kryejë veprime të tjera me kodin e objektit të Aplikacionit që synojnë marrjen e informacionit mbi zbatimin e algoritmeve të përdorura në Aplikacion, të krijojë vepra të përftuara bazuar te ky aplikacion, si dhe të përdore (lejojë përdorimin) e Aplikacionit, ose të ndonjë përbërësi të Aplikacionit të vendosur në pajisjen celulare të përdoruesit, pa leje me shkrim nga Mbajtësi i të drejtave. 4.2. Përdoruesi nuk ka të drejtë të shpërndajë Aplikacionin në asnjë mënyrë, duke përfshirë si pjesë përpilimesh të Aplikacioneve, pa pëlqimin me shkrim të Mbajtësit të të drejtave. 4.3. Përdoruesi nuk mund ta shpërndajë aplikacionin në asnjë formë tjetër përveç asaj në të cilën ai/ajo e ka marrë atë, pa pëlqimin me shkrim të Mbajtësit të të drejtave. 4.4. Përdoruesi nuk mund ta përdorë Aplikacionin nëse një kopje e tij merret dhe instalohet pa ndëmjetësinë e tregut të Google Play. 4.5. Gjatë përdorimit të Aplikacionit, Përdoruesi nuk duhet: 4.5.1. të shkelë të drejtat e palëve të treta duke përfshirë të miturit dhe/ose shkaktojnë dëm në çfarëdo mënyre; 4.5.2. të imitojë ndonjë person tjetër ose përfaqësues të një organizate dhe/ose komuniteti pa qenë i autorizuar për ta bërë këtë, duke përfshirë punonjësit e Mbajtësit të të drejtave dhe/ose ofruesit të shërbimit përfitues, për përfaqësuesit e partnerëve të Mbajtësit të të drejtave dhe të aplikojë çdo formë dhe metodë tjetër të përfaqësimit të paligjshëm të personave të tjerë në internet, si dhe të mashtrojë Mbajtësit e Kartës dhe Mbajtësin e të drejtave në lidhje me veçorite dhe karakteristikat e çdo subjekti ose objekti; 4.5.3. të përdorë të dhënat e autorizimit që nuk i përkasin Përdoruesit, të përdorë mjete elektronike pagese (përfshirë kartat bankare) pa praninë fizike të Mbajtësit e Kartës; 4.5.4. të mbledhë dhe të ruajë të dhënat personale të personave të tjerë pa autorizimin e duhur; 4.5.5. të ndërpresë funksionimin normal të Aplikacionit, duke përfshirë: 4.5.5.1. instalimin në pajisjen celulare në të cilën është instaluar Aplikacioni, të çdo softueri/ firmueri me qëllimin për të patur hyrje në funksione që nuk janë parashikuar për përdoruesin; 4.5.5.2. ngarkimin në pajisjen celulare në të cilën është instaluar Aplikacioni, softuer të piratuar ose përmbajtje të paligjshme; 4.5.5.3. instalimin e aplikacioneve me qëllim të keqdashës në pajisjen celulare në të cilën është instaluar Aplikacioni; 4.5.5.4. kryerjen dhe regjistrimin e fotove dhe videove të ngjarjeve në ekranin e pajisjes celulare gjatë funksionimit të Aplikacionit. 4.5.5.5. instalimin e aplikacioneve të tjera nga burime jo të besueshme në pajisjen në të cilën është instaluar Aplikacioni. 4.5.5.6. mbështetjen e çdo veprimi që shkel çdo kufizim dhe ndalim të vendosur nga kjo Licencë; 4.5.5.7. ose shkeljen e standardeve ligjore duke përfshirë të drejtën ndërkombëtare. ## 5. Kushtet e përdorimit të funksioneve specifike të aplikacionit 5.1. Disa funksione të Aplikacionit mund të jenë të disponueshme vetëm kur lidheni me Internetin. Është përgjegjësi e vetë Përdoruesit të marrë dhe të paguajë për një lidhje të tillë interneti sipas kushteve dhe sipas tarifave të ofruesit të tij/saj të komunikimit celular ose ofruesit të Shërbimit të Internetit. 5.2. Aplikacioni i ofron Përdoruesit, në kuadër të një kontrate me ofruesin e tij ofruesin e tij të shërbimit të blerjeve, mundësinë për të pranuar pagesat e bëra nga Mbajtësit e Kartave duke përdorur Karta Bankare. 5.3. Mbajtësi i të drejtave nuk është përgjegjës për përmbajtjen dhe/ose rëndësinë e parametrave të konfigurimit të nevojshëm për pranimin e pagesave duke përdorur Aplikacionet e ofruara nga ofruesi i shërbimit të blerjeve. Mbajtësi i të drejtave nuk është përgjegjës për përmbajtjen dhe/ose rëndësinë e informacionit të ofruar nga ofruesi i shërbimit të blerjeve, duke përfshirë informacionin mbi koston e shërbimeve të ofruesit të shërbimit të blerjeve, si dhe disponueshmërinë e tyre aktuale. 5.4. Përdoruesi ndërvepron me ofruesin e shërbimit të blerjeve për të marrë shërbimet e blerjes dhe për të lidhur kontratën e nevojshme në mënyrë të pavarur (pa pjesëmarrjen e Mbajtësit të të drejtave) në përputhje me rregullat për ofrimin e shërbimeve të miratuara nga ofruesi i shërbimit të blerjeve. 5.5. Mbajtësi i të drejtave nuk është përgjegjës për operacionet financiare dhe për çdo operacion tjetër të kryer nga Përdoruesi dhe ofruesi i shërbimit të blerjeve, si dhe për çdo pasojë të blerjes së shërbimit të blerjeve nga Përdoruesi prej ofruesit përkatës. 5.6. Përdoruesi me këtë njoftohet, kupton dhe pranon që Aplikacioni mund të mbledhë të dhëna statistikore dhe monitoruese të anonimizuara mbi përdorimin e Aplikacionit, si dhe të pajisjes celulare në të cilën është instaluar aplikacioni dhe t'i transferojë ato automatikisht tek Mbajtësi i të drejtave. 5.7. Përdoruesi e kupton që ai/ajo ka zgjedhur në mënyrë të pavarur pajisjen celulare në të cilën përdoret Aplikacioni. Rrjedhimisht, Përdoruesi njoftohet dhe pranon që Mbajtësi i të drejtave nuk është përgjegjës për cilësinë e pajisjes celulare të përdorur, të përbërësve të harduerit të saj, të cilat mund të kenë si rezultat gabime, ndërprerje në punë, funksionim të ngadaltë dhe me cilësi të ulët të Aplikacionit ose përbërësve dhe/ose veçorive të tij individuale. ## 6. Përgjegjësia sipas Licencës 6.1. Aplikacioni ofrohet sipas kushteve "siç është". Mbajtësi i të drejtave nuk jep asnjë garanci në lidhje me funksionimin pa gabime dhe të rrjedhshëm të Aplikacionit, ose përbërësve dhe/ose veçorive të e tij individuale, përputhjen e Aplikacionit me qëllimet dhe pritshmëritë specifike të Përdoruesit, sigurinë e skedarëve dhe/ose të dhënave të Përdoruesit dhe nuk ofron garanci të tjera që nuk parashikohen shprehimisht në këtë Licencë. 6.2. Mbajtësi i të drejtave nuk është përgjegjës për ndonjë pasojë të drejtpërdrejtë ose të tërthortë të çdo përdorimi, ose pamundësie për të përdorur Aplikacionin, dhe/ose dëmin e pësuar nga Përdoruesi dhe/ose palët e treta si rezultat i ndonjë përdorimi, pamundësie për të përdorur ose mospërdorimin e Aplikacionit ose përbërësit dhe/ose veçoritë e tij individuale, duke përfshirë situatat për shkak të gabimeve ose dështimeve të mundshme në Aplikacion. 6.3. Kjo licencë dhe të gjitha marrëdhëniet që lidhen me përdorimin e Aplikacionit rregullohen nga ligjet e Republikës Çeke. ## 7. Përditësimet / versionet e reja të aplikacionit 7.1. Kjo licencë zbatohet për të gjitha përditësimet e ardhshme / versionet e reja të Aplikacionit. Duke rënë dakord për të instaluar një përditësim ose një version të ri të Aplikacionit, Përdoruesi pranon kushtet e kësaj Licence për këto përditësime / versione të reja të Aplikacionit, përveç rastit kur një përditësim i tillë ose instalimi i një versioni të ri të Aplikacionit shoqërohet nga një marrëveshje tjetër licence. ## 8. Ndryshime në kushtet e kësaj licence 8.1. Kjo Marrëveshje Licence mund të ndryshohet nga Mbajtësi i të drejtave në mënyrë të njëanshme. Këto ndryshime në kushtet e marrëveshjes së licencës do të hyjnë në fuqi nga data e publikimit, përveç rasteve kur përcaktohet ndryshe në publikimin përkatës. Grupi IBA shpk 2583/13 Rruga Petrzilkova., Pragë 5, 158 00, Çeki NUIS Nr. CZ27365824 Data e publikimit: 06/01/2020 No. 244-144/2020 # Rregullat për përdorimin e aplikacionit ## **1.** Kushtet e përgjithshme 1.1. Këto Rregulla (në vijim referuar si Rregullat) përbëjnë një propozim të Grupit IBA shpk (në vijim referuar si Grupi IBA) për një përdorues të një pajisjeje celulare (në vijim referuar si Përdoruesi) për të përdorur Aplikacionin Celular
(më tej referuar si Aplikacioni). 1.2. Puna e Përdoruesit me Aplikacionin i nënshtrohet këtyre rregullave dhe dokumenteve të mëposhtme të Grupit IBA: * Marrëveshja e licencës për të përdorur Aplikacionin postuar në internet në adresën e internetit * Udhëzuesi i përdorimit të Aplikacionit postuar në internet në adresën e internetit * • Udhëzuesi i përdorimit të portalit të internetit Tregtar postuar në internet në adresën e internetit * Njoftimi i Privatësisë i postuar në internet në adresën e internetit (në vijim referuar si "Dokumentet Rregullatore"). 1.3. Me rastin e fillimit të përdorimit të Aplikacionit/funksioneve të tij të caktuara, Përdoruesi konsiderohet se i ka pranuar këto rregulla dhe kushtet e Dokumenteve Rregullatore, në mënyrë të plotë, pa kufizim apo përjashtim. Nëse Përdoruesi nuk pajtohet me ndonjë dispozitë të Rregullave dhe/ose Dokumenteve Rregullatore, Përdoruesi nuk duhet të përdorë Aplikacionin. 1.4. Grupi IBA mund t’i ndryshojë këto Rregulla dhe Dokumente Rregullatore në çdo kohë dhe pa e njoftuar përdoruesin. Rreziku nga mosleximi i një versioni të rishikuar të Rregullave dhe Dokumenteve Rregullatore mbahet nga vetë Përdoruesi; vazhdimi i përdorimit të Aplikacionit pasi Rregullat ose Dokumentet Rregullatore të jenë ndryshuar përbën miratim për versionin e rishikuar të tyre. 1.5. Përdoruesi ndalon përdorimin e Aplikacionit, nëse nuk pajtohet me ndonjë ndryshim të këtyre Rregullave të bëra nga Grupi IBA në mënyrën e përcaktuar nga neni 1.4 . 1.6. Aplikacioni i ofron Përdoruesit, në kuadër të një kontrate me ofruesin e tij të shërbimit të blerjeve, mundësinë për të pranuar pagesat e bëra nga Mbajtësit e Kartave duke përdorur Karta Bankare. Të gjitha funksionet e disponueshme aktualisht të aplikacionit, si dhe çdo zhvillim i tyre dhe/ose funksionet e reja të shtuara i nënshtrohen këtyre Rregullave. 1.7. Në varësi të skemës së pagesës, së cilës i përket karta bankare, ofruesit të shërbimit të blerjeve, rajoni i Përdoruesit, ndonjë ose të gjitha funksionet e Aplikacionit mund të jenë të paarritshme ose të kufizuara. Funksionet konsiderohen të paarritshme (të kufizuara) për Përdoruesin, nëse ky Përdorues nuk është në gjendje t'i përdorë ato në mënyrë të qartë . Ndalohet përdorimi i çdo metode teknike dhe të bazuar në softuer për të anashkaluar këto kufizime. Dispozitat e këtyre Rregullave që rregullojnë funksionet e Aplikacionit që janë të paarritshme (të kufizuara) për Përdoruesin nuk zbatohen derisa funksione të tilla të bëhen në mënyrë të qartë të përdorshme për Përdoruesin. 1.8. Duke përdorur Aplikacionin, Përdoruesi jep miratimin e tij për të marrë mesazhe reklamuese. 1.9. Grupi IBA nuk garanton që aplikacioni do të funksionojë pa ndërprerje, menjëherë, në mënyrë të qëndrueshme dhe pa gabime. 1.10. Grupi IBA nuk mban përgjegjësi për ndërprerjen e plotë të Aplikacionit që vjen si rezultat i veprimeve të ndërmarra nga ofruesi i shërbimit të blerjes. 1.11. Aplikacioni mund të përdoret vetëm në pajisjet celulare që përdorin sistemin operativ Android 8.0 e lart (por rekomandohet shumë përdorimi i Android 10.0 e lart për faktin se Google nuk mbështet më Android 8 dhe 9), të pajisura me ndërfaqen NFC (modulet NFC me një antenë janë origjinale dhe të ngulitura në një pajisje celulare) dhe shërbimet e mbështetura Google Play. 1.12. Përdoruesi mbart vetë rrezikun për cilësinë e pajisjes celulare të përdorur, të përbërësve të harduerit të saj, të cilët mund të çojnë në gabime, ndërprerje në punë, funksionim të ngadaltë dhe me cilësi të ulët të Aplikacionit ose përbërësve dhe/ose funksioneve të tij individuale. 1.13. Përdoruesi njoftohet se Grupi IBA mund të ndalojë përdorimin e Aplikacionit në pajisjet celulare në të cilat janë instaluar sisteme operative që nuk plotësojnë kërkesat: · sistemet e pagesave ndërkombëtare Visa dhe Mastercard në kuadër të programeve "Tap to Phone" dhe "Tap on Phone", si zgjidhjet përkatëse; · Industria e Kartave të Pagesave, si pjesë e Pagesave pa Kontakt në programet Tregtare në përdorim dhe që kanë përbërës të harduerit që krijojnë dobësi në përdorimin e Aplikacionit. 1.14. Përdoruesi kupton që Grupi IBA mund të ndalojë përkohësisht ose plotësisht përdorimin e Aplikacionit në pajisjet celulare, ku gjendja e të cilave ose veprimi i Përdoruesit krijon një kërcënim për pranimin e sigurt të pagesës. 1.15. Nëse Përdoruesi dyshon se ka patur një hyrje të paautorizuar në një pajisje celulare ose në një aplikacion celular, si dhe në rast se pajisja celulare humbet ose vidhet, Përdoruesi duhet të raportojë incidentin tek ofruesi i shërbimit të blerjeve ## **2.** Funksioni i vërtetimit të Përdoruesit dhe ndryshimi i MPIN-it 2.1. Përdoruesi mund të jetë në gjendje të hyjë në funksionin e vërtetimit përmes kyçjes dhe fjalëkalimit (në vijim referuar si "MPIN"), rast në të cilin përdoruesi duhet të fusë të dhënat e duhura. 2.2. Në kyçjen e parë, aplikacioni mund të sugjerojë ndryshimin e MPIN-it të paracaktuar. Përdoruesi mund ta kapërcejë këtë hap dhe të ndryshojë MPIN-in më vonë. 2.3. Përdoruesi është përgjegjës për sigurinë (rezistencën ndaj zgjedhjes) e fjalëkalimit të hyrjes në llogarinë e Përdoruesit, si dhe siguron konfidencialitetin e tij. Përdoruesi është përgjegjës për çdo veprim (dhe pasojat e tyre) në dhe me Aplikacionin përmes llogarisë së përdoruesit, duke përfshirë kalimin vullnetar nga Përdoruesi të informacionit të kërkuar për të hyrë në llogarinë e Përdoruesit tek palët e treta në çdo situatë (përfshirë kontratat ose marrëveshjet). Çdo veprim në ose me Aplikacionin e kryer përmes llogarisë së Përdoruesit konsiderohet i kryer nga vetë Përdoruesi. ## **3.** Funksioni i inicializimit të pajisjes celulare 3.1. Për të përdorur Aplikacionin / funksionet e tij të caktuara, Përdoruesi duhet të kalojë procedurën e inicializimit për regjistrimin e pajisjes celulare të përdoruesit dhe aktivizimin e saj si terminal pagese për kartat bankare. 3.2. Për të përfunduar me sukses regjistrimin e një pajisjeje celulare dhe për ta aktivizuar atë si një terminal pagese, Përdoruesi duhet të fusë një kod verifikimi në formularin e verifikimit. Mënyra se si Përdoruesi merr kodin e verifikimit përcaktohet nga ofruesi i shërbimit të blerjeve. ## **4.** Funksioni i Pagesës pa Kontakt 4.1. Përpara se të pranojë një pagesë pa para, Përdoruesi duhet të vendosë shumën e pagesës. Për të kryer një pagesë, Përdoruesi duhet t'i sugjerojë konsumatorit (në vijim referuar si "Mbajtësi i Kartës") të kalojë një kartë bankare pa kontakt në anën e pajisjes celulare në të cilën ndodhet moduli NFC me antenë. 4.2. Përdoruesi duhet të kërkojë verifikimin e Mbajtësit të Kartës nëpërmjet vendosjes së numrit personal të identifikimit (në vijim referuar si "kodi PIN") nëse shuma e pagesës tejkalon kufijtë përkatës të vendosur nga ofruesi i shërbimit të blerjes. Në këtë rast: 4.2.1. Përdoruesi duhet t'i japë pajisjen celulare Mbajtësit të Kartës për të vendosur kodin PIN duke përdorur tastierën virtuale; 4.2.2. përpara se Mbajtësi i Kartës të vendosë kodin PIN, Përdoruesi duhet t'i kushtojë vëmendje faktit që për qëllime sigurie të përdoret një tastierë me renditje të rastësishme shifrash, si dhe të jetë i kujdesshëm që të mos ketë palë të treta pranë që mund të vjedhin të dhënat e vendosura. Për këtë arsye, Mbajtësit të Kartës mund t'i rekomandohet që të mbulojë ekranin me dorën e tij/saj gjatë vendosjes së të dhënave; 4.2.3. Përdoruesi duhet të monitorojë vendosjen në kohë (pa pauza të gjata) të kodit PIN nga Mbajtësi i Kartës; 4.2.4. Përdoruesit i ndalohet: • t'i kërkojë Mbajtësit të Kartës të tregojë një kod PIN; • të shikojë të dhënat në hyrje; • të bëjë foto të jashtme, xhirim video të procesit të vendosjes së një kodi PIN; 4.2.5. nëse Mbajtësi i Kartës refuzon të vendosë kodin PIN ose bën pauza të gjata gjatë hyrjes, Përdoruesi ose Mbajtësi i Kartës duhet të ndërpresin veprimin. 4.3. Në varësi të lejeve të vendosura nga sistemet e pagesave, Përdoruesi mund të jetë në gjendje të kryejë një pagesë pa para duke futur të dhënat e një karte bankare. Në këtë rast: 4.3.1. tregohen të dhënat e mëposhtme të kartës: • Numri i llogarisë personale (në vijim referuar si “PAN”); • Data e skadencës. 4.3.2. Përdoruesi duhet t'i japë pajisjen celulare Mbajtësit të Kartës për të vendosur të dhënat e kartës duke përdorur tastierën virtuale; 4.3.3. përpara se Mbajtësi i Kartës të vendosë të dhënat e kartës, Përdoruesi duhet t'i kushtojë vëmendje faktit që për qëllime sigurie përdoret një tastierë me renditje të rastësishme të shifrave, si dhe të jetë i kujdesshëm që të mos ketë palë të treta pranë që mund të vjedhin të dhënat e vendosura. Për këtë arsye, Mbajtësit të Kartës mund t'i rekomandohet që të mbulojë ekranin me dorën e tij/saj gjatë vendosjes së të dhënave; 4.3.4. Përdoruesit i ndalohet: • t'i kërkojë Mbajtësit të Kartës të tregojë të dhënat e kartës (përveç të dhënave të nevojshme për përputhjen e informacionit me një faturë); • të shikojë të dhënat në hyrje; • të bëjë foto të jashtme, xhirim video të procesit të vendosjes së të dhënave të kartës; 4.4. Aplikacioni mund t'i lejojë Përdoruesit të dërgojë një faturë, ku rezultati i pagesës dërgohet në numrin e telefonit celular, adresën e emailit të Mbajtësit të Kartës ose ta shfaqë atë në ekranin e pajisjes celulare. 4.5. Përdoruesi duhet të verifikojë informacionin e kartës në faturën e ekranit të aplikacionit me të dhënat në kartë (6 shifrat e para dhe 4 shifrat e fundit të PAN-it). ## **5.** Funksionet e anulimit dhe rimbursimit 5.1. Veprimi i i anulimit të pagesës (në vijim referuar si "Anulimi") nga Përdoruesi mund të kryhet përpara mbylljes së një turni në rastet e mëposhtme: • me kërkesën e Mbajtësit të Kartës; • është bërë një gabim kur është futur shuma, por transaksioni ka përfunduar; • mospërputhja e të dhënave në kartë dhe në dokumentin e identitetit (emër dhe mbiemër); • numri i kartës në faturë ndryshon nga ai i treguar në kartë. 5.2. Veprimi “Rimbursim” nga Përdoruesi mund të kryhet, në rast se Mbajtësi i Kartës e kthen artikullin/shërbimin e paguar me përdorimin e kartës tashmë pas përfundimit të një turni, ose nëse vetëm një pjesë e shumës duhet t'i rimbursohet Mbajtësit të Kartës për transaksionin e kryer. Në këtë mënyrë, kushti i detyrueshëm i kryerjes së transaksionit të sipërpërmendur përfshin përputhjen e numrit të kartës (6 shifrat e para dhe 4 shifrat e fundit të PAN-it), i cili do të përdoret për përmbushjen e këtij transaksioni me numrin e kartës në faturë për transaksionin përkatës të pagesës. 5.3. Nëse operacioni Anulimi ose Rimbursimi u refuzua për ndonjë arsye, në këtë rast duhet të përsëritet një përpjekje për kryerjen e transaksionit, ose shuma e kërkuar duhet të kthehet me një formë tjetër pagese (për shembull, me para në dorë). ## **6.** Funksioni i përfundimit të një turni pune (ditë pune) 6.1. Konsultimi i listës së transaksioneve të përfunduara në turnin aktual të punës mund të bëhet nga Përdoruesi duke përdorur Aplikacionin. 6.2. Sipas rezultateve të veprimeve të kryera në ditë (turn), Përdoruesi duhet të mbyllë ditën e punës (turnin), dhe si rezultat i së cilës regjistri elektronik i veprimeve do të dërgohet në qendrën e përpunimit. Grupi IBA shpk 2583/13 Rruga Petrzilkova., Pragë 5, 158 00, Çeki NUIS Nr. CZ27365824 Data e publikimit: 06/01/2020 # Njoftimi i privatësisë {% hint style="info" %} Informacioni është i disponueshëm vetëm në anglisht. Ne po punojmë për përkthimin në gjuhën tuaj. {% endhint %} {% embed url="" %} # Udhëzuesi i përdorimit të aplikacionit {% hint style="info" %} Informacioni është i disponueshëm vetëm në anglisht. Ne po punojmë për përkthimin në gjuhën tuaj. {% endhint %} {% embed url="" %} # Manual utilizare Portal Comerciant {% hint style="info" %} Informacioni është i disponueshëm vetëm në anglisht. Ne po punojmë për përkthimin në gjuhën tuaj. {% endhint %} {% embed url="" %} # Ndonjë pyetje tjetër? Ne Mund të Përgjigjemi {% hint style="info" %} Informacioni është i disponueshëm vetëm në anglisht. Ne po punojmë për përkthimin në gjuhën tuaj. {% endhint %} {% embed url="" %} # Continut ## General {% content-ref url="/pages/9BA9c7HCMKFAqEGWUXfy" %} [Contract de licenta](/ro/general/app-license) {% endcontent-ref %} {% content-ref url="/pages/5xvBhYiAjBMwYM1IZXqj" %} [Reguli de utilizare Aplicatie](/ro/general/app-rules) {% endcontent-ref %} {% content-ref url="/pages/4acNau43VwhdmNAqM7dr" %} [Politica de confidentialitate](/ro/general/privacy-policy) {% endcontent-ref %} ## {% content-ref url="/pages/-MZbVjsXgmPc6awBoOzX" %} [Ghid de utilizare al aplicatiei](/ro/app-guide) {% endcontent-ref %} {% content-ref url="/pages/-MZbWcV-rErQ2WEa5kGh" %} [Manual utilizare Portal Comerciant](/ro/portal-guide) {% endcontent-ref %} ## {% content-ref url="/pages/-MZgqMRxIxV9fSKmNRL6" %} [Ai alte întrebări? Îți putem răspunde](/ro/faq) {% endcontent-ref %} # Contract de licenta Inainte de a utiliza aplicatia, va rugam sa cititi termenii contractuali de mai jos. Orice utilizare a aplicatiei inseamna acceptarea pe deplin si neconditionat a termenilor prezentului acord. Daca nu sunteti de acord cu acesti termeni, nu puteti utiliza aplicatia mobila pentru niciun scop. ## **1. Termeni generali** 1.1. Acest Acord de licenta („Licenta”) stabilește conditiile de utilizare a aplicatiei Mobile
(„Aplicatie”) si este incheiat intre orice persoana care utilizeaza Aplicatia („Utilizator”) și IBA Group ca, 2583/13 Petrzilkova St. , Praga 5, 158 00, Cehia TVA CZ27365824, detinatorul drepturilor exclusive la cerere („Titularul dreptului”). 1.2. Copiind aplicatia, instaland-o pe dispozitivul mobil sau utilizand aplicatia in orice mod, Utilizatorul iși exprima acordul deplin și neconditionat cu privire la termenii acestei licente. 1.3. Utilizarea aplicatiei este permisa numai in conditiile acestei licente. Cu exceptia cazului in care Utilizatorul accepta integral termenii licentei, acesta nu va utiliza Aplicatia in niciun scop. Utilizarea aplicatiei cu incalcarea (implicita) a oricaruia dintre termenii acestei licente este interzisa. 1.4. Utilizarea aplicatiei de catre utilizator in baza acestei licente in scopuri comerciale este gratuita. Utilizarea aplicatiei in conditii si modalitati care nu sunt prevazute de prezenta licenta va fi permisa numai pe baza unui acord separat cu Titularul drepturilor. 1.5. Prin utilizarea aplicatiei, Utilizatorul este de acord ca urmatoarele documente, ale caror conditii sunt pe deplin aplicabile utilizarii aplicatiei, fac parte integranta din aceasta licenta: * Reguli privind utilizarea Aplicatiei postate online la adresa web * Reguli de utilizare Aplicatie postata online la adresa web * Ghid de utilizare al aplicatiei postata online la adresa web * Manual utilizare Portal Comerciant postata online la adresa web Aceste documente (inclusiv orice parți ale acestora) pot fi modificate unilateral de catre Titularul drepturilor fara o notificare ulterioara. Documentul revizuit va intra in vigoare la publicare, cu exceptia cazului in care se prevede altfel printr-o noua versiune a documentului. 1.6. Prezentul document este o traducere a licentei din limba engleza. In cazul unei neconcordante intre termenii licentei din limba engleza si prezenta traducere, va prevala versiunea in limba engleza. ## **2. Drepturi privind utilizarea aplicatiei** 2.1. Titularul dreptului are drepturi depline asupra aplicatiei. ## **3. Licenta** 3.1. Titularul dreptului acorda utilizatorului o licenta simpla (neexclusiva), netransferabila, gratuita pentru a utiliza aplicatia oriunde in lume in urmatoarele moduri: 3.1.1. Aplicatia poate fi utilizata doar pentru funcționalitatea pentru care a fost realizata, prin descarcarea si instalarea pe dispozitivele mobile ale utilizatorului. Utilizatorul poate instala aplicatia pe un numar nelimitat de dispozitive mobile. 3.2. Utilizatorul nu poate schimba numele aplicatiei, nu poate modifica si/sau sterge o notificare privind drepturile de autor sau o alta indicatie a Titularului dreptului. ## **4. Limitari/constrangeri pentru utilizarea aplicatiei** 4.1. Cu exceptia utilizarii in scopul pentru care a fost realizata si in conformitate cu termenii specificati in mod expres de aceasta Licenta, Utilizatorul nu poate modifica, decompila, dezasambla, decripta sau efectua alte actiuni cu codul sursa al aplicatiei care vizeaza obtinerea de informatii cu privire la implementarea algoritmilor utilizati in aplicatie, crea programe/software derivate pe baza aplicatiei, precum si sa utilizeze in alt mod (sa permita utilizarea) aplicatiei sau a oricaror componente ale aplicatiei stocate de aplicatie pe dispozitivul mobil al utilizatorului, fara permisiunea scrisa a Titularului dreptului. 4.2. Utilizatorul nu are dreptul sa distribuie aplicatia in niciun fel, inclusiv ca parte a compilatiilor aplicatiei, fara acordul scris al titularului drepturilor. 4.3. Utilizatorul nu poate distribui aplicatia sub nicio alta forma decat cea in care a primit-o, fara acordul scris al Titularului drepturilor. 4.4. Utilizatorul nu poate sa foloseasca Aplicatia daca a primit si instalat o copie a acesteia din alta sursa decat Google Play. 4.5. La utilizarea aplicatiei, in calitate de Utilizator nu trebuie: 4.5.1. sa incalce drepturile tertilor, inclusiv persoanele minore si/ sau sa provoace daune in orice mod; 4.5.2. sa se substituie oricarei alte persoane sau reprezentant al unei organizatii si/sau comunitati fara a fi autorizat sa faca acest lucru, inclusiv a angajatilor Titularului de drepturi si/sau a furnizorului/bancii de servicii de acceptare la plata a cardurilor, pentru reprezentantii partenerilor Titularului de drepturi si sa aplice orice alte forme si metode de reprezentare ilegala a altor persoane online, precum si sa induca in eroare detinatorii de carduri si detinatorii de drepturi cu privire la caracteristicile oricarui subiect sau obiect; 4.5.3. sa utilizeze datele de autorizare care nu apartin Utilizatorului, sa utilizeze mijloace electronice de plata (inclusiv carduri bancare) fara prezenta fizica a unui titular de card; 4.5.4. sa colecteze si stocheze date personale ale altor persoane fara autorizatia corespunzatoare; 4.5.5. sa intrerupa functionarea normala a aplicatiei, inclusiv: 4.5.5.1. sa instaleze pe dispozitivul mobil pe care este instalata aplicatia orice software/firmware destinat accesului la functii care nu sunt destinate Utilizatorului; 4.5.5.2. sa incarcarce pe dispozitivul mobil pe care este instalata aplicatia, software piratat sau continut ilegal; 4.5.5.3.sa instaleze aplicatii rau intentionate pe dispozitivul mobil pe care este instalata aplicatia; 4.5.5.4. sa efectueze inregistrari foto si video ale evenimentelor pe ecranul dispozitivului mobil in timpul functionarii aplicatiei. 4.5.5.5. sa instaleze alte aplicatii din surse nesigure pe dispozitivul pe care este instalata aplicatia. 4.5.5.6. sa participe la orice actiune de incalcare a oricaror restrictii si interdictii impuse de aceasta licenta; 4.5.5.7. in caz contrar, incalca standardele legale, inclusiv dreptul international. ## **5. Termeni de utilizare a functiilor specifice ale Aplicatiei** 5.1. Anumite functii ale aplicatiei pot fi disponibile numai atunci cand dispozitivul este conectat la Internet. Este exclusiv responsabilitatea Utilizatorului sa obtina si sa plateasca pentru o astfel de conexiune la Internet in conditiile si in functie de tarifele furnizorului sau de comunicatii mobile sau al furnizorului de servicii de internet. 5.2. Aplicatia ofera Utilizatorului, in conformitate cu prevederile contractului de acceptare la plata a cardului incheiat cu banca, posibilitatea de a accepta plati tip contactless efectuate de detinatorii de carduri folosind carduri bancare sau portofele de plata electronice. 5.3. Titularul drepturilor nu este responsabil pentru continutul si/sau relevanta parametrilor de configurare necesari pentru acceptarea platilor folosind aplicatiile furnizate de banca ce furnizeaza serviciul de acceptare la plata a cardurilor. Titularul drepturilor nu este responsabil pentru continutul si/sau relevanta informatiilor furnizate de banca ce ofera serviciile de acceptare la plata a cardurilor, inclusiv informatii despre costul serviciilor oferite, precum si disponibilitatea acestora. 5.4. Utilizatorul interactioneaza cu banca ce ofera servicii de acceptare la plata a cardurilor pentru a contracta aceste servicii si pentru a incheia contractul necesar in mod independent (fara participarea Titularului drepturilor) si in conformitate cu regulile de furnizare a serviciilor oferite de banca acceptatoare. 5.5. Titularul drepturilor nu este responsabil pentru operatiunile financiare si orice alte operatiuni efectuate de Utilizator si de banca e ofera serviciile de acceptare la plata a cardurilor, precum si pentru orice consecinte ale contractarii serviciului de catre Utilizator de la banca. 5.6. Utilizatorul este notificat prin prezenta, intelege si este de acord ca aplicatia poate colecta date statistice si de monitorizare anonimizate cu privire la utilizarea aplicatiei, precum si de pe dispozitivul mobil pe care este instalata aplicatia si le poate transfera automat Titularului drepturilor. 5.7. Utilizatorul intelege ca a selectat in mod independent dispozitivul mobil pe care este utilizata aplicatia. In consecinta, Utilizatorul este notificat prin prezenta si este de acord ca Titularul drepturilor nu este responsabil pentru calitatea dispozitivului mobil utilizat, a componentelor sale hardware, care pot duce la erori, intreruperi, functionare lenta si de calitate scazuta a aplicatiei sau a componentelor si/sau caracteristicilor sale individuale. ## **6. Raspunderea conform licentei** 6.1. Aplicatia este furnizata in conditiile prezentate. Titularul drepturilor nu ofera garantii cu privire la functionarea fara erori si fara probleme a aplicatiei, sau a componentelor si/sau caracteristicilor sale individuale, potrivirea aplicatiei cu obiectivele specifice si asteptarile utilizatorului, siguranta fisierelor si / sau a datelor Utilizatorului si nu ofera alte garantii care nu sunt prevazute in mod expres in aceasta licenta. 6.2. Titularul drepturilor nu este raspunzator pentru consecintele directe sau indirecte ale oricarei utilizari sau incapacitatii de a utiliza aplicatia si/sau daunelor suferite de Utilizator si/sau de terti ca urmare a oricarei utilizari, a neutilizarii sau a incapacitatii de utilizare a aplicatiei sau componentelor si / sau caracteristicilor sale individuale, inclusiv situatiilor din cauza posibilelor erori sau esecuri ale aplicatiei. 6.3. Aceasta licenta si toate relatiile asociate cu utilizarea aplicatiei sunt guvernate de legile Republicii Cehe. ## **7. Actualizari / noi versiuni ale aplicatiei** 7.1. Aceasta licenta se aplica tuturor actualizarilor viitoare / noilor versiuni ale aplicatiei. Prin acordul de a instala o actualizare sau o noua versiune a aplicatiei, Utilizatorul accepta termenii acestei licente la astfel de actualizari / versiuni noi ale aplicatiei, cu exceptia cazului in care o astfel de actualizare sau instalare a unei noi versiuni a aplicatiei este insotita de un alt acord de licentiere. ## **8. Modificari ale termenilor acestei licente** 8.1. Acest Acord de licenta poate fi modificat unilateral de catre Titularul drepturilor. Aceste modificari ale termenilor contractului de licenta vor intra in vigoare de la data publicarii, cu exceptia cazului in care se specifica altfel in respectiva publicatie. Grupul IBA SA 2583/13 str. Petrzilkova, Praga 5, 158 00, Cehia TVA nr. CZ27365824 Data publicarii: 06/01/2020 Nr. 244-144 / 2020 # Reguli de utilizare Aplicatie ## **1. Termeni generali** 1.1. Aceste Reguli (denumite in continuare Reguli) constituie o propunere a IBA Group SA (denumit in continuare IBA Group) unui utilizator de dispozitiv mobil (denumit in continuare „Utilizator”) pentru a utiliza aplicatia Mobila
(denumita in continuare „Aplicatia”). 1.2. Utilizarea aplicatiei se supune acestor reguli precum si prevederilor incluse in urmtoarele documente ale Grupului IBA: * Contract de licenta pentru utilizarea Aplicatiei postata online la adresa web * Ghid de utilizare al aplicatiei postata online la adresa web * Manual utilizare Portal Comerciant postata online la adresa web (denumite in continuare „Documente de reglementare”). 1.3. La inceperea utilizarii aplicatiei /a anumitor functii ale acesteia, se considera ca Utilizatorul a acceptat integral aceste reguli si termenii documentelor de reglementare, fara nici o exceptie. Daca Utilizatorul nu este de acord cu orice prevedere a Regulilor si / sau Documentelor de reglementare, Utilizatorul nu va utiliza aplicatia. 1.4. IBA Group poate, in orice moment, fara notificare catre Utilizator, sa modifice aceste Reguli si Documentele de reglementare. Riscul de a nu citi o versiune revizuita a regulilor si a documentelor de reglementare va fi suportat de Utilizator; utilizarea continua a aplicatiei odata cu modificarea regulilor sau a documentelor de reglementare constituie consimtamantul versiunii revizuite a acesteia. 1.5. Utilizatorul va inceta sa utilizeze aplicatia, daca nu este de acord cu orice modificare a acestor reguli facuta de IBA Group in modul prescris de punctul 1.4 din prezenta. 1.6. Aplicatia ofera Utilizatorului, in cadrul unui contract cu banca sa de servicii de acceptare la plata a cardurilor, posibilitatea de a accepta plati efectuate de detinatorii de carduri folosind carduri bancare. Toate functiile disponibile in prezent ale aplicatiei, precum si orice evolutie a acestora si / sau functiile nou adaugate sunt supuse acestor reguli. 1.7. In functie de schema de plata, sub sigla careia a fost emis cardul bancar, furnizorul de servicii de acceptare la plata a cardurilor, regiunea utilizatorului, oricare sau toate functiile aplicatiei pot fi inaccesibile sau restrictionate. Functiile sunt considerate inaccesibile (restrictionate) pentru Utilizator, daca un astfel de Utilizator nu le poate utiliza in mod explicit. Este interzisa aplicarea oricaror metode tehnice si software pentru a eluda aceste restrictii. Prevederile acestor reguli care reglementeaza functiile aplicatiei care sunt inaccesibile (restrictionate) pentru utilizator nu se aplica pana cand aceste functii nu devin accesibile in mod explicit Utilizatorului. 1.8. Prin utilizarea aplicatiei, Utilizatorul isi da consimtamantul pentru a primi mesaje publicitare. 1.9. IBA Group nu garanteaza ca aplicatia va functiona fara intreruperi, prompt, durabil si fara erori. 1.10. Grupul IBA nu este responsabil pentru oprirea completa a aplicatiei care a aparut ca urmare a actiunilor intreprinse de furnizorul de servicii de acceptare la plata a cardurilor. 1.11. Aplicatia poate fi utilizata numai pe dispozitive mobile care ruleaza sistemul de operare Android 10.0 (si o versiune ulterioara), care sunt echipate cu interfata NFC (modulul NFC cu o antena este nativ si incorporat intr-un dispozitiv mobil) si servicii Google Play acceptate. 1.12. Utilizatorul este in mod independent responsabil de riscul pentru calitatea dispozitivului mobil utilizat, a componentelor sale hardware, care pot duce la erori, intreruperi in lucru, functionare lenta si de calitate scazuta a aplicatiei sau a componentelor si / sau functiilor sale individuale. 1.13. Utilizatorul este notificat ca Grupul IBA poate opri utilizarea aplicatiei pe dispozitive mobile pe care sunt instalate sisteme de operare care nu indeplinesc cerintele: sistemelor de plati internationale Visa si Mastercard in cadrul programelor „Tap to Phone” si respectiv „Tap on Phone”; Industriei cardurilor de plata, ca parte a programului de plati contactless pentru comert in afara raftului si care au componente hardware care creeaza vulnerabilitati in utilizarea aplicatiei. 1.14. Utilizatorul intelege ca IBA Group poate opri temporar sau complet utilizarea aplicatiei pe dispozitive mobile, a caror stare sau din cauza actiunilor utilizatorului creeaza o amenintare la acceptarea la plata a cardurilor. ## **2. Functia de autentificare a utilizatorului si schimbarea MPIN** 2.1. Utilizatorul poate accesa functia de autentificare prin autentificare si parola (denumite in continuare „MPIN”), caz in care utilizatorul trebuie sa introduca detaliile corespunzatoare. 2.2. La prima conectare, aplicatia poate sugera sa schimbati codul MPIN implicit. Utilizatorul poate sari peste acest pas si sa schimbe MPIN mai tarziu. 2.3. Utilizatorul va fi responsabil pentru securitatea (rezistenta la selectare) a parolei de acces la contul utilizatorului si, de asemenea, ii asigura confidentialitatea. Utilizatorul va fi responsabil pentru orice actiune (si consecintele acestora) in si cu aplicatia prin intermediul contului utilizatorului, inclusiv transferul voluntar de catre utilizator a informatiilor necesare pentru a accesa contul utilizatorului catre terti in orice conditii (inclusiv prin contracte sau acorduri). Orice actiune in sau cu aplicatia efectuata prin intermediul contului utilizatorului va fi considerata realizata de utilizator. ## **3. Functia de initializare a dispozitivului mobil** 3.1. Pentru a utiliza aplicatia / anumite functii ale acesteia, utilizatorul trebuie sa treaca procedura de initializare pentru inregistrarea dispozitivului mobil al utilizatorului si activarea acestuia ca terminal de plata pentru carduri bancare. 3.2. Pentru a finaliza cu succes inregistrarea unui dispozitiv mobil si a-l activa ca terminal de plata, utilizatorul trebuie sa introduca un cod de activare in aplicatie conform instructiunilor de pe ecran. Modul in care utilizatorul primeste codul de verificare este determinat de banca ce ofera serviciile de acceptare la plata a cardurilor. ## **4. Functia de plata contactless** 4.1. Inainte de a accepta o plata fara numerar, utilizatorul trebuie sa introduca suma platii. Pentru a efectua o plata, Utilizatorul trebuie sa sugereze Consumatorului (denumit in continuare „Detinator de card”) sa apropie un card bancar contactless sau un portofel electronic de plata de dispozitivului mobil, de zona unde se afla antena NFC. 4.2. Utilizatorul trebuie sa solicite verificarea detinatorului de card tastarea cod-ului PIN (denumit în continuare „cod PIN”) daca suma platii depaseste limitele relevante stabilite de banca ce oferaserviciile de acceptare la plata a cardurilor. In acest caz: 4.2.1. Utilizatorul trebuie sa inmaneze dispozitivul mobil detinatorului de card pentru a introduce codul PIN folosind tastatura virtuala; 4.2.2. Inainte ca Detinatorul cardului sa introducă codul PIN, Utilizatorul trebuie sa inteleaga ca, din motive de securitate, este utilizata o tastatura cu un aranjament aleatoriu de cifre, precum si sa se asigure ca nu sunt terte persoane in apropiere care ar putea avea acces la datele introduse. In acest sens, se recomanda detinatorului cardului sa acopere/protejeze ecranul in momentul introducerii codului PIN; 4.2.3. Utilizatorul trebuie sa monitorizeze introducerea in timp util (fara pauze lungi) a codului PIN de catre detinatorul cardului; 4.2.4. Utilizatorului i se interzice: • sa solicite detinatorului cardului sa furnizeze codul PIN; • sa se uite la ecranul aplicatiei in momentul introducerii codului PIN; • sa fotografieze sau sa inregistreze video procesul de introducere a unui cod PIN; 4.2.5. daca detinatorul cardului refuza sa introduca codul PIN sau detinatorul cardului face pauze lungi in timpul tastarii codului, utilizatorul sau detinatorul cardului trebuie sa intrerupa operatiunea. 4.3. In functie de permisiunile stabilite prin contractul de acceptare la plata a cardurilor, utilizatorul poate efectua o plata prin introducerea manuala a datelor cardului bancar in aplicatie. In acest caz: 4.3.1. sunt indicate urmatoarele detalii ale cardului: • numarul de card (denumit in continuare „PAN”); • data expirarii. 4.3.2. Utilizatorul trebuie sa inmaneze dispozitivul mobil detinatorului cardului pentru a introduce datele cardului folosind tastatura virtuala; 4.3.3. inainte ca detinatorul cardului sa introduca datele cardului, Utilizatorul trebuie sa se asigure ca sunt respectate cerintele de securitate, ca se utilizeaza o tastatura cu un aranjament aleatoriu de cifre, precum si sa nu existe terti in apropiere care sa poata accesa datele de card introduse. Pentru aceasta, se recomanda detinatorului cardului sa acopere/protejeze ecranul in momentul introducerii datelor; 4.3.4. Utilizatorului i se interzice: • sa solicite detinatorului cardului sa furnizeze datele cardului (cu exceptia datelor necesare pentru reconcilierea informatiilor de pe chitanta); • sa se uite la ecranul aplicatiei in momentul introducerii datelor de card; • sa fotografieze sau sa inregistreze video procesul de introducere a datelor unui card; 4.4. Aplicatia poate permite utilizatorului sa trimita o chitanta, cu rezultatul platii la adresa de e-mail a detinatorului cardului, sa o afiseze pe ecranul dispozitivului mobil sau prin cod QR. 4.5. Utilizatorul trebuie sa verifice informatiile cardului pe chitanta de pe ecranul aplicatiei cu datele de pe card (primele 6 cifre si ultimele 4 cifre ale PAN). ## **5. Functii de anulare si rambursare** 5.1. Operatiunea de anulare a platii (denumita in continuare „Anulare”) de catre Utilizator poate fi efectuata inainte de inchiderea de zi in urmatoarele cazuri: • din initiativa detinatorului cardului; • a fost facuta o eroare la introducerea sumei, dar tranzactia a fost efectuata; • nepotrivirea datelor de card cu cele din documentul de identitate (nume si prenume); • numarul cardului de pe chitanta este diferit de cel indicat pe card. 5.2. Operațiunea „Rambursare” nu va fi activa in aplicatie. 5.3. Daca operatiunea de Anulare a fost respinsa din orice motiv, in acest caz operatiunea ar trebui repetata sau suma respectiva ar trebui returnata printr-o alta forma de plata (de exemplu numerar). ## **6. Inchiderea zilei (lucratoare)** 6.1. Vizualizarea listei tranzactiilor finalizate intr-o zi lucratoare poate fi accesata de Utilizator folosind Aplicatia. 6.2. Conform rezultatelor tranzactiilor efectuate intr-o zi (lucratoare), dupa inchiderea de zi tranzactiile vor fi trimise centrului de procesare. Grupul IBA SA 2583/13 str. Petrzilkova, Praga 5, 158 00, Cehia TVA nr. CZ27365824 Data publicării 06/01/2020 # Politica de confidentialitate {% hint style="info" %} Informațiile sunt disponibile numai în limba engleză. Lucrăm la traducerea în limba dvs. {% endhint %} {% embed url="" %} # Ghid de utilizare al aplicatiei {% hint style="info" %} Informațiile sunt disponibile numai în limba engleză. Lucrăm la traducerea în limba dvs. {% endhint %} {% embed url="" %} # Manual utilizare Portal Comerciant {% hint style="info" %} Informațiile sunt disponibile numai în limba engleză. Lucrăm la traducerea în limba dvs. {% endhint %} {% embed url="" %} # Ai alte întrebări? Îți putem răspunde {% hint style="info" %} Informațiile sunt disponibile numai în limba engleză. Lucrăm la traducerea în limba dvs. {% endhint %} {% embed url="" %} # Tartalom ## Általános {% content-ref url="/pages/9BA9c7HCMKFAqEGWUXfy" %} [Licencszerződés](/hu/altalanos/app-license) {% endcontent-ref %} {% content-ref url="/pages/5xvBhYiAjBMwYM1IZXqj" %} [Szabályzat az alkalmazás használatához](/hu/altalanos/app-rules) {% endcontent-ref %} {% content-ref url="/pages/4acNau43VwhdmNAqM7dr" %} [Adatvédelmi Tájékoztató](/hu/altalanos/privacy-policy) {% endcontent-ref %} ## Útmutatók {% content-ref url="/pages/-MZbVjsXgmPc6awBoOzX" %} [Alkalmazás használati útmutatója](/hu/app-guide) {% endcontent-ref %} {% content-ref url="/pages/-MZbWcV-rErQ2WEa5kGh" %} [Kereskedői portál útmutatója](/hu/portal-guide) {% endcontent-ref %} ## Segítség {% content-ref url="/pages/-MZgqMRxIxV9fSKmNRL6" %} [Egyéb kérdés? Válaszolhatunk](/hu/faq) {% endcontent-ref %} # Licencszerződés Az alkalmazás használata előtt kérjük, olvassa el az alábbi licencszerződés feltételeit. Az alkalmazás bármilyen használata a jelen licencszerződés feltételeinek teljes és feltétel nélküli elfogadását jelenti. Amennyiben nem ért egyet a licencszerződés bármelyik feltételével, nem használhatja a mobilalkalmazást semmilyen célra. ## 1. Általános feltételek 1.1. A jelen Licencszerződés (továbbiakban: Licenc) a Mobile
alkalmazás (továbbiakban: Alkalmazás) használatának feltételeit tartalmazza, és az alkalmazást használó bármely személy (továbbiakban: Felhasználó) és az IBA Group a.s. (2583/13 Petrzilkova St., Prague 5, 158 00, cseh adószám: CZ27365824), az alkalmazás kizárólagos jogainak tulajdonosa (továbbiakban: Jogtulajdonos) között jön létre. 1.2. Az Alkalmazás másolásával és mobileszközére történő telepítésével vagy az Alkalmazás bármilyen módon történő használatával a Felhasználó kifejezi, hogy teljes mértékben és feltétel nélkül elfogadja a jelen Licenc feltételeit. 1.3. Az Alkalmazás használata csak a jelen Licenc feltételei szerint engedélyezett. Amennyiben a Felhasználó nem fogadja el teljes mértékben a licencfeltételeket, semmilyen célra nem használhatja az Alkalmazást. Tilos az Alkalmazás használata a jelen Licenc bármelyik feltételének megsértésével. 1.4. Az Alkalmazásnak a Felhasználó által a jelen Licenc alapján történő kereskedelmi célú használata ingyenes. Az Alkalmazás jelen Licencben nem meghatározott feltételekkel és módon történő felhasználása csak a Jogtulajdonossal kötött külön megállapodás alapján engedélyezett. 1.5. Az Alkalmazás használatával a Felhasználó elfogadja, hogy az alábbi dokumentumok – amelyek feltételei teljes mértékben vonatkoznak az Alkalmazás használatára – a jelen Licenc elválaszthatatlan részét képezik: * az Alkalmazás használatára vonatkozó Szabályzat, amely online a [https://docs.tapxphone.com/v/hu/general/app-rules](https://docs.tapxphone.com/v/hu/altalanos/app-rules) internetes címen elérhető * az Alkalmazás Felhasználói Kézikönyve, amely online a internetes címen érhető el * a Kereskedő webes portáljának Felhasználói Kézikönyve, amely a internetes címen érhető el * Adatvédelmi Tájékoztató, amely online a [https://docs.tapxphone.com/v/hu/general/privacy-policy](https://docs.tapxphone.com/v/hu/altalanos/privacy-policy) internetes címen található A fenti a dokumentumokat (beleértve azok bármely részét) a Jogtulajdonos jogosult minden további értesítés nélkül egyoldalúan módosítani. A módosítás – amennyiben a dokumentum új változata másként nem rendelkezik – a közzététellel azonnal hatályba lép. 1.6. A Jogtulajdonos a Felhasználó rendelkezésére bocsáthatja a jelen Licenc angoltól eltérő más nyelvű fordítását is, azzal hogy az angol nyelvű Licenc és a fordítás feltételei közötti ellentmondás esetén a jelen Licenc angol nyelvű változata az irányadó. ## 2. Az Alkalmazáshoz fűződő jogok 2.1. A Jogtulajdonos az Alkalmazás kizárólagos jogaival rendelkezik. ## 3. Licenc 3.1. A Jogtulajdonos egyszerű (nem kizárólagos), nem átruházható, ingyenes licencet biztosít a Felhasználó részére, aki az Alkalmazást bárhol a világon használhatja az alábbi módokon: 3.1.1. Az Alkalmazás rendeltetésszerű használata az Alkalmazás másolásával és a Felhasználó mobilkészülékére/mobilkészülékeire történő telepítésével (reprodukálásával). A Felhasználó korlátlan számú mobileszközre telepítheti az Alkalmazást. 3.2. A Felhasználó nem változtathatja meg az Alkalmazás nevét, és nem módosíthatja és nem törölheti a szerzői jogi közleményt vagy a Jogtulajdonos egyéb jelzéseit. ## 4. Korlátozások 4.1. A jelen Licencben kifejezetten meghatározott körben és módon történő felhasználáson kívül a Felhasználó a Jogtulajdonos írásos engedélye nélkül nem jogosult az Alkalmazás tárgykódját módosítani, elemeire bontani, szétszerelni, dekódolni vagy egyéb, az Alkalmazásban használt algoritmusok megvalósítására vonatkozó információk megszerzésére irányuló műveleteket végezni, az Alkalmazáson alapuló származékos műveket létrehozni, valamint az Alkalmazást vagy annak az Alkalmazás által a felhasználó mobileszközén tárolt bármely összetevőjét más módon felhasználni (felhasználni engedni). 4.2. A Felhasználónak a Jogtulajdonos írásbeli hozzájárulása nélkül nincs joga az Alkalmazást bármilyen módon terjeszteni, az Alkalmazás összeállítások részeként történő terjesztést is beleértve. 4.3. A Felhasználó a Jogtulajdonos írásbeli hozzájárulása nélkül nem terjesztheti az Alkalmazást semmilyen más formában, mint ahogyan azt megkapta. 4.4. A Felhasználó nem használhatja az Alkalmazást, ha annak másolatát nem a Google Play piacon keresztül kapta és telepítette. 4.5. Az Alkalmazás használata során a Felhasználó: 4.5.1. nem sértheti meg harmadik személyek jogait, kiskorúakét is beleértve, és nem okozhat kárt semmilyen módon; 4.5.2. nem adhatja ki magát más személynek vagy egy szervezet és/vagy közösség képviselőjének anélkül, hogy erre jogosultsággal rendelkezne – többek között a Jogtulajdonos és/vagy az átvevő szolgáltató alkalmazottainak, vagy a Jogtulajdonos partnerei képviselőjének –, és nem léphet fel online más személyek jogellenes képviseletében semmilyen más formában és módon, valamint nem vezetheti félre a Kártyabirtokosokat és a Jogtulajdonost semmilyen tárgy vagy téma jellemzőivel és tulajdonságaival kapcsolatban; 4.5.3. nem használhat olyan engedélyezési adatokat, amelyek nem a Felhasználóhoz tartoznak, és nem használhat elektronikus fizetési eszközöket (beleértve a bankkártyákat) a Kártyabirtokos fizikai jelenléte nélkül; 4.5.4. nem gyűjtheti és nem tárolhatja más személyek személyes adatait megfelelő felhatalmazás nélkül; 4.5.5. nem zavarhatja az Alkalmazás normál működését, különösen: 4.5.5.1. a mobileszközre, amelyre az Alkalmazás telepítve van, nem telepíthet olyan szoftvert/firmware-t, amely nem a Felhasználónak szánt funkciókhoz való hozzáférésre szolgál; 4.5.5.2. nem tölthet fel nem jogtiszta szoftvert vagy illegális tartalmat a mobileszközre, amelyre az Alkalmazás telepítésre került; 4.5.5.3. nem telepíthet rosszindulatú alkalmazásokat a mobileszközre, amelyre az Alkalmazás telepítésre került; 4.5.5.4. nem készíthet fénykép- és videofelvételt az Alkalmazás működése során a mobilkészülék képernyőjén megjelenő eseményekről; 4.5.5.5. nem telepíthet nem megbízható forrásból származó egyéb alkalmazásokat a mobileszközre, amelyre az Alkalmazás telepítésre került; 4.5.5.6. nem segíthet a jelen Licenc által előírt korlátozásokat és tilalmakat sértő cselekményeket; 4.5.5.7. nem sérthet meg semmilyen egyéb módon jogi normákat, a nemzetközi jogot is beleértve. ## 5. Az Alkalmazás sajátos funkcióinak használatára vonatkozó feltételek 5.1. Előfordulhat, hogy az Alkalmazás bizonyos funkciói csak internetkapcsolattal érhetőek el. A Felhasználó kizárólagos felelőssége, hogy megfelelő internetkapcsolatot a mobilkommunikációs szolgáltatója vagy internetszolgáltatója feltételei és díjai szerint beszerezzen fizetés ellenében. 5.2. Az Alkalmazás az átvevő szolgáltatóval kötött szerződés keretében lehetőséget biztosít a Felhasználó számára, hogy Kártyabirtokosok által bankkártyával bonyolított fizetéseket fogadjon el. 5.3. A Jogtulajdonos nem felelős az átvevő szolgáltató által biztosított, az Alkalmazás használatával történő fizetések elfogadáshoz szükséges konfigurációs paraméterek tartalmáért és/vagy relevanciájáért. A Jogtulajdonos nem felel az átvevő szolgáltató által nyújtott információk tartalmáért és/vagy relevanciájáért, beleértve az átvevő szolgáltató szolgáltatásainak költségére, valamint azok mindenkori rendelkezésre állására vonatkozó információkat. 5.4. A Felhasználó kapcsolatba lép az átvevő szolgáltatóval az átvevő szolgáltatás igénybevétele és a szükséges szerződés önállóan (a Jogtulajdonos részvétele nélkül) történő megkötése érdekében, az átvevő szolgáltató által elfogadott szolgáltatás nyújtási szabályoknak megfelelően. 5.5. A Jogtulajdonos nem felel a Felhasználó és az átvevő szolgáltató által végzett pénzügyi és egyéb műveletekért, valamint a szolgáltatásnak a Felhasználó által az adott szolgáltatótól történő átvétele következményeiért. 5.6. A Felhasználó tudomásul veszi, érti és elfogadja, hogy az Alkalmazás anonimizált statisztikai és ellenőrző adatokat gyűjthet az Alkalmazás használatáról, valamint a mobileszközről, amelyre az Alkalmazás telepítésre kerül, és ezeket az adatokat automatikusan továbbíthatja a Jogtulajdonosnak. 5.7. A Felhasználó tudomásul veszi, hogy önállóan választotta ki azt a mobileszközt, amelyen az Alkalmazást használja. Következésképpen a Felhasználó tudomásul veszi és elfogadja, hogy a Jogtulajdonos nem felel a használt mobileszköz vagy annak hardver összetevői minőségéért, ami hibákat, a munka megszakadását, az Alkalmazás vagy annak egyes összetevői és/vagy funkciói lassú és rossz minőségű működését eredményezheti. ## 6. A Licenc szerinti felelősség 6.1. A Jogtulajdonos jelenlegi ismert formájában, „ahogy van”, bocsátja rendelkezésre az Alkalmazást. A Jogtulajdonos nem vállal garanciát az Alkalmazás, illetve annak egyes összetevői és/vagy funkciói hibamentes és zökkenőmentes működésére, arra, hogy az Alkalmazás megfelel a Felhasználó konkrét céljainak és elvárásainak, vagy a Felhasználó fájljainak és/vagy adatainak a biztonságára, és nem vállal semmilyen más, a jelen Licencben nem kifejezetten meghatározott garanciát. 6.2. A Jogtulajdonos nem vállal felelősséget az Alkalmazás használatából vagy használatának lehetetlenségéből eredő közvetlen vagy közvetett következményekért és/vagy a Felhasználó és/vagy harmadik felek által elszenvedett, az Alkalmazás vagy annak egyes összetevői és/vagy funkciói használatából, használatának elmulasztásából vagy használatának lehetetlenségéből eredő károkért, beleértve az Alkalmazás esetleges hibáiból vagy hiányosságaiból eredő helyzeteket is. 6.3. A jelen Licencre és mindenre, ami az Alkalmazás használatával kapcsolatos, a Cseh Köztársaság törvényei az irányadók. ## 7. Az Alkalmazás frissítései / új verziói 7.1. A jelen Licenc az Alkalmazás minden jövőbeli frissítésére/új verziójára vonatkozik. Azzal, hogy beleegyezik az Alkalmazás valamely frissítésének vagy új verziójának a telepítésébe, a Felhasználó elfogadja a jelen Licenc feltételeit az Alkalmazás ilyen frissítései/új verziói tekintetében, kivéve, ha az Alkalmazás frissítése vagy az új verzió telepítése más licencszerződés alapján történik. ## 8. A jelen Licenc feltételeinek módosítása 8.1. A jelen Licencszerződést a Jogtulajdonos egyoldalúan módosíthatja. Amennyiben a vonatkozó kiadvány másként nem rendelkezik, a licencszerződés feltételeiben bekövetkezett változások a közzététel napjától lépnek hatályba. IBA Group a.s 2583/13 Petrzilkova St., Prague 5, 158 00, Czech VAT No. CZ27365824 Date of publication: 06/01/2020 № 244-144/2020 # Szabályzat az alkalmazás használatához ## 1. Általános feltételek 1.1. A jelen Szabályzat (a továbbiakban: Szabályzat) az IBA Group a.s. (a továbbiakban: IBA Group) ajánlata a mobileszköz felhasználója (a továbbiakban: Felhasználó) számára a Mobile
alkalmazás (a továbbiakban: Alkalmazás) használatára vonatkozóan. 1.2. A Felhasználó az Alkalmazás kapcsán végzett műveletei a jelen Szabályzat és az IBA Group alábbi dokumentumai hatálya alá tartoznak: * az Alkalmazás használatára vonatkozó licencszerződés, amely online a [https://docs.tapxphone.com/v/hu/general/app-license](https://docs.tapxphone.com/v/hu/altalanos/app-license) internetes címen érhető el * az Alkalmazás Felhasználói Kézikönyve, amely online a internetes címen érhető el * a Kereskedő webes portáljának Felhasználói Kézikönyve, amely a internetes címen érhető el * Adatvédelmi Tájékoztató, amely online a [https://docs.tapxphone.com/v/hu/general/privacy-policy](https://docs.tapxphone.com/v/hu/altalanos/privacy-policy) internetes címen található (a továbbiakban együttesen: Szabályozó Dokumentumok). 1.3. Az Alkalmazás / annak egyes funkciói használatának megkezdésével a Felhasználó úgy tekintendő, hogy a jelen Szabályzatot és a Szabályozó Dokumentumokban foglalt feltételeket teljes egészében, korlátozás és kivétel nélkül elfogadta. Ha a Felhasználó nem ért egyet a Szabályzat és/vagy a Szabályozó Dokumentumok bármely rendelkezésével, a Felhasználó nem használhatja az Alkalmazást. 1.4. Az IBA Group bármikor, a Felhasználó értesítése nélkül módosíthatja a jelen Szabályzatot és a Szabályozó Dokumentumokat. Az abból fakadó károkat, hogy a Felhasználó nem olvassa el a Szabályzat és a Szabályozó Dokumentumok módosított változatát, a Felhasználó viseli; az Alkalmazás további használata a Szabályzat illetve a Szabályozó Dokumentumok módosítását követően a módosított változat elfogadásának minősül. 1.5. Amennyiben nem ért egyet a jelen Szabályzatnak az IBA Group által a 1.4. pontban meghatározott módon történt bármely módosításával, a Felhasználó köteles megszüntetni az Alkalmazás használatát. 1.6. Az Alkalmazás az átvevő szolgáltatóval kötött szerződés keretében lehetőséget biztosít a Felhasználó számára, hogy Kártyabirtokosok által bankkártyával bonyolított fizetéseket fogadjon el. Az Alkalmazás minden jelenleg elérhető funkciója, azok fejlesztése, valamint minden újonnan hozzáadott funkció a jelen Szabályzat hatálya alá tartozik. 1.7. A fizetési rendszertől, amelyhez a bankkártya tartozik, valamint az átvevő szolgáltatótól és a Felhasználó régiójától függően az Alkalmazás bármely vagy valamennyi funkciója elérhetetlen vagy korlátozott lehet. A funkciók a Felhasználó számára elérhetetlennek (korlátozottnak) minősülnek, ha a Felhasználó nem tudja azokat egyértelműen használni. Tilos bármilyen technikai és szoftveralapú módszert alkalmazni e korlátozások megkerülésére. A jelen Szabályzatnak az Alkalmazás azon funkcióira vonatkozó rendelkezései, amelyek a Felhasználó számára nem hozzáférhetőek (korlátozottak), nem alkalmazandóak mindaddig, amíg ezek a funkciók a Felhasználó számára egyértelműen hozzáférhetővé nem válnak. 1.8. Az Alkalmazás használatával a Felhasználó hozzájárul, hogy reklámüzeneteket kapjon. 1.9. Az IBA Group nem garantálja, hogy az Alkalmazás megszakítás nélkül, azonnal, fenntarthatóan és hibamentesen fog működni. 1.10. Az IBA Group nem felel az Alkalmazás teljes leállásáért, amennyiben az az átvevő szolgáltató intézkedései következtében keletkezett. 1.11. Az Alkalmazás csak olyan Android 8.0 vagy magasabb verziószámú operációs rendszert futtató mobileszközön használható (erősen ajánlott az Android 10.0 vagy magasabb verzió használata, mivel a Google megszüntette az Android 8 és 9 támogatását), amely NFC interfésszel rendelkezik (az NFC modul és az antenna gyárilag be van építve a mobileszközbe) és támogatja a Google Play szolgáltatásokat. 1.12. A Felhasználó egyedül viseli az általa használt mobileszköz vagy annak hardver összetevői minőségével kapcsolatos kockázatokat, ami hibákat, a munka megszakadását, az Alkalmazás vagy annak egyes összetevői és/vagy funkciói lassú és rossz minőségű működését eredményezheti. 1.13. A Felhasználó tudomásul veszi, hogy az IBA Group leállíthatja az Alkalmazás használatát olyan mobileszközökön, amelyekre a követelményeknek nem megfelelő operációs rendszer került telepítetésre, pl.: * a Visa és a Mastercard nemzetközi fizetési rendszerek „Tap to Phone” és „Tap on Phone” programok keretében működtetett megoldásai; * fizetési kártyák (a kereskedelmi forgalomban elérhető egyérintéses fizetés program részeként), vagy amelyek olyan hardverkomponenssel rendelkeznek, amely sebezhetőséget okoz az Alkalmazás használata során. 1.14. A Felhasználó tudomásul veszi, hogy az IBA Group átmenetileg vagy végleg leállíthatja az Alkalmazás használatát olyan mobileszközökön, amelyek az állapotuk vagy a Felhasználó cselekedetei miatt veszélyt jelentenek a biztonságos fizetés elfogadásra nézve. 1.15. Amennyiben a Felhasználó azt gyanítja, hogy jogosulatlan hozzáférés történt a mobileszközhöz vagy mobilalkalmazáshoz, valamint ha a mobileszköz elvész vagy ellopták, a Felhasználó köteles jelenteni az esetet az átvevő szolgáltatónak. ## 2. Felhasználó hitelesítés és MPIN csere 2.1. A Felhasználó a hitelesítési funkcióhoz bejelentkezéssel és jelszóval (a továbbiakban: MPIN) férhet hozzá, amely esetben a Felhasználónak meg kell adnia a megfelelő adatokat. 2.2. Az első bejelentkezéskor az Alkalmazás javasolhatja az alapértelmezett MPIN megváltoztatását. A felhasználó kihagyhatja ezt a lépést, és később is módosíthatja az MPIN kódot. 2.3. A Felhasználó felel a felhasználói fiókjához való hozzáférési jelszó biztonságáért (ne jegyezze meg a rendszer), és köteles gondoskodni annak bizalmas kezeléséről. A Felhasználó felel a Felhasználói fiókján keresztül az Alkalmazásban és az Alkalmazással végzett minden tevékenységért (és azok következményeiért), beleértve a felhasználói fiókhoz való hozzáféréshez szükséges információk Felhasználó általi önkéntes átadását harmadik fél részére bármilyen feltétellel (beleértve a szerződés vagy megállapodás alapján történő átadást). Az Alkalmazásban vagy az Alkalmazással a Felhasználó fiókján keresztül végzett bármely művelet a Felhasználó által végzett műveletnek minősül. ## 3. A mobileszköz inicializálása 3.1. Ahhoz, hogy az Alkalmazást illetve annak bizonyos funkcióit használhassa, a Felhasználónak el kell végeznie a mobilkészüléke regisztrálására és bankkártyás fizetési terminálként való aktiválására irányuló inicializálási eljárást. 3.2. A mobileszköz regisztrációjának sikeres befejezéséhez és fizetési terminálként való aktiválásához a Felhasználónak egy ellenőrző kódot kell megadnia az ellenőrző lapon. Azt, hogy a Felhasználó milyen módon kapja meg az ellenőrző kódot, az átvevő szolgáltató határozza meg. ## 4. Egyérintéses fizetés 4.1. A készpénzmentes fizetés elfogadása előtt a Felhasználónak meg kell adnia a fizetendő összeget. A fizetés végrehajtásához meg kell kérni a Fogyasztót (a továbbiakban: Kártyabirtokos), hogy egyérintéses bankkártyával érintse meg a mobilkészülék azon oldalát, ahol az antennával ellátott NFC-modul található. 4.2. Amennyiben a fizetendő összeg meghaladja az átvevő szolgáltató által meghatározott limitet, fel kell szólítani a Kártyabirtokost, hogy személyi azonosító száma (a továbbiakban: PIN kód) megadásával igazolja a személyazonosságát. Ez esetben: 4.2.1. a Felhasználónak át kell adnia a mobilkészüléket a Kártyabirtokosnak, hogy az a virtuális billentyűzet segítségével megadhassa a PIN kódot; 4.2.2. mielőtt a Kártyabirtokos beírná a PIN kódot, a Felhasználónak figyelnie kell arra, hogy a biztonság érdekében a billentyűzet számjegyelrendezése véletlenszerű legyen, valamint arra is ügyelnie kell, hogy ne legyen a közelben harmadik személy, aki kikémlelheti a beírt adatokat. Ennek érdekében javasolhatja a Kártyabirtokosnak, hogy az adatok bevitele során a kezével takarja el a képernyőt; 4.2.3. figyelni kell, hogy a Kártyabirtokos a rendelkezésre álló időn belül (hosszú szünetek nélkül) adja meg a PIN kódot; 4.2.4. tilos a Felhasználónak: • arra kérnie a Kártyabirtokost, hogy árulja el a PIN kódját; • megtekintenie a bevitt adatokat; • fényképet, videofelvételt készíteni a PIN kód bevitelének folyamatáról; 4.2.5. ha a Kártyabirtokos nem hajlandó megadni a PIN kódot, vagy hosszú szüneteket tart a kód bevitele során, a Felhasználónak vagy a Kártyabirtokosnak meg kell szakítania a műveletet. 4.3. A fizetési rendszer által biztosított engedélyezési lehetőségektől függően a készpénzmentes fizetést a bankkártya adatainak megadásával is végre lehet hajtani. Ez esetben: 4.3.1. a következő kártyaadatokat kell megadni: • kártyaszám (Personal Account Number, a továbbiakban: PAN); • lejárat; 4.3.2. a Felhasználónak át kell adnia a mobilkészüléket a Kártyabirtokosnak, hogy az a virtuális billentyűzet segítségével megadhassa a kártyaadatokat; 4.3.3. mielőtt a Kártyabirtokos beírná a kártyaadatokat, a Felhasználónak figyelnie kell arra, hogy a biztonság érdekében a billentyűzet számjegyelrendezése véletlenszerű legyen, valamint arra is ügyelnie kell, hogy ne legyen a közelben harmadik személy, aki kikémlelheti a beírt adatokat. Ennek érdekében javasolhatja a Kártyabirtokosnak, hogy az adatok bevitele során a kezével takarja el a képernyőt; 4.3.4. tilos a Felhasználónak: • arra kérnie a Kártyabirtokost, hogy árulja el a kártyaadatokat (a bizonylattal való egyeztetéshez szükséges adatokat kivéve); • megtekintenie a bevitt adatokat; • fényképet, videofelvételt készíteni a kártyaadatok bevitelének folyamatáról. 4.4. Az Alkalmazás lehetővé teheti a Felhasználó számára, hogy a fizetés eredményéről bizonylatot küldjön a Kártyabirtokos mobiltelefonszámára vagy e-mail címére, vagy megjelenítse azt a mobileszköz képernyőjén. 4.5. A Felhasználónak össze kell vetnie az Alkalmazás képernyőjén megjelenő bizonylaton lévő kártyaadatokat a kártyán szereplő adatokkal (a PAN első 6 és utolsó 4 számjegye). ## 5. Sztornózás és pénzvisszatérítés 5.1. A Felhasználó a műszak lezárása előtt a következő esetekben végezheti el a fizetés törlését (a továbbiakban: Sztornózás): • a Kártyabirtokos kezdeményezésére; • az összeg beírásakor hiba történt, de a tranzakció már végbement; • eltérés a kártyán és a személyazonosító okmányban szereplő adatok között (név és vezetéknév); • a bizonylaton szereplő kártyaszám eltér a kártyán feltüntetett számtól. 5.2. A „Pénzvisszatérítés” műveletet a Felhasználó abban az esetben végezheti el, ha a Kártyabirtokos már a műszak vége után visszaadja a kártyával fizetett árut/szolgáltatást, vagy ha az összegnek csak egy részét kell visszatéríteni a Kártyabirtokosnak a teljesített tranzakcióért. Ilyen esetben a fenti tranzakció végrehajtásának kötelező feltétele a tranzakció teljesítéséhez használt kártyaszám (a PAN első 6 és utolsó 4 számjegye) és az adott fizetési műveletre vonatkozó csekken szereplő kártyaszám egyeztetése. 5.3. Ha a Sztornózás vagy Pénzvisszatérítés művelet bármilyen okból elutasításra került, ebben az esetben meg kell kísérelni a tranzakció ismételt végrehajtását, vagy a kért összeget más fizetési formában (például készpénzben) kell visszaadni. ## 6. Műszak (munkanap) vége funkció 6.1. Az Alkalmazás segítségével a Felhasználó megtekintheti az aktuális műszakban végrehajtott tranzakciók listáját. 6.2. A nap során (műszakonként) elvégzett műveletek eredményei alapján a Felhasználónak le kell zárnia az üzleti napot (műszakot), aminek eredményeképpen a műveletek elektronikus nyilvántartása elküldésre kerül a feldolgozóközpontba. IBA Group a.s 2583/13 Petrzilkova St., Prague 5, 158 00, Czech VAT No. CZ27365824 Publication date 06/01/2020 # Adatvédelmi Tájékoztató Adatvédelmi Tájékoztató a Mobile
alkalmazás (továbbiakban: Alkalmazás) fiókot igénylő vagy arra regisztráló Felhasználók részére A jelen Adatvédelmi Tájékoztató leírja, hogy az IBA Group a.s. és kapcsolt vállalkozásai (továbbiakban együttesen: IBA vagy „mi”) hogyan gyűjtjük, használjuk, tesszük közzé, továbbítjuk, tároljuk, őrizzük vagy más módon kezeljük az Ön adatait, amikor Ön (legyen akár egyéni vállalkozóként, akár más gazdálkodó szervezet nevében eljáró személy) az Alkalmazás Kereskedői Fiókot és más az Alkalmazás szolgáltatásokat (továbbiakban együttesen: Szolgáltatások) igényel vagy arra regisztrál az Alkalmazás weboldalán vagy alkalmazásain keresztül. A jelen Adatvédelmi Tájékoztató a Szolgáltatásainkhoz való hozzáféréssel és azok használatával kapcsolatban gyűjtött adatokra vonatkozik. Kérjük figyelmesen olvassa el ezt az Adatvédelmi Tájékoztatót. Azzal, hogy folytatja Szolgáltatásaink igénybevételét, Ön hozzájárulását adja a jelen Adatvédelmi Tájékoztatóban bemutatott gyakorlatokhoz. ## AZ ÖNRŐL GYŰJTÖTT INFORMÁCIÓK Az Ön adatait a célból használjuk, hogy a Szolgáltatásaink jobban működjenek az Ön és mások számára. Ez meghatározza, milyen adatokat gyűjtünk Önről (ami változó lehet attól függően, hol él Ön). ### Az Ön által rendelkezésre bocsátott információk Olyan adatokat használunk, amelyeket a fiók nyitása és használata során vagy más rendszerek használatakor Ön visz be a rendszereinkbe, például pénzügyi vagy adózási információkat, az Ön személyét azonosító információkat, tranzakciós adatokat és bármely más, Ön által megadott adatot. Akkor gyűjtünk Ön által megadott információkat, amikor: * Információt kér az Alkalmazás-ról vagy a termékeinkről; * az Alkalmazás fiókot vagy más Szolgáltatást igényel vagy arra regisztrál; * Végigmegy a személyazonosság- vagy fiókellenőrzési folyamatunkon, hitelesíti a fiókját, kommunikál velünk, válaszol a felméréseinkre, tartalmat tölt fel, vagy más módon igénybe veszi a Szolgáltatásokat. Ezeket az információkat Kereskedői Fiók Adatoknak nevezzük. Konkrétan az alábbi kategóriákba tartozó adatokat gyűjtjük (és/vagy gyűjtöttük legalább a jelen Adatvédelmi Tájékoztató hatálybalépését megelőző 12 hónapos időszakban): * Azonosító adatok, mint például: o Név, e-mail cím, levelezési és hivatalos cím, telefonszám; o Adóazonosító, vagy más hivatalos azonosító szám, vagy az átvevő szolgáltató által kiadott azonosító szám. Úgy véljük, ezek az információk nem tartoznak az általános adatvédelmi rendelet (GDPR) által meghatározott személyes adatok kategóriájába, mivel Ön a Szolgáltatásokat üzleti vállalkozásként használja. * Tranzakciós Adatok, például információk arról, mikor és hol történnek fizetési tranzakciók, a tranzakcióban részt vevő felek neve, a tranzakciók leírása, a fizetési tranzakció vagy átutalás összege, számlázási és szállítási információk, valamint a tranzakciók lebonyolításához használt eszközök és fizetési módok. * Ön által megadott Egyéb Adatok, például önkéntesen megadott információk, beleértve a felmérésekre adott válaszait; a versenyeken, akciókban vagy más jövőbeli eladói marketing formákban vagy eszközökben való részvételt; fejlesztési javaslatokat; ajánlásokat; vagy a Szolgáltatásokon Ön által végzett bármely más műveletet. ### A Szolgáltatások Ön általi használata alapján gyűjtött Adatok A rendszereinkkel folytatott interakciók során használt eszközökről is kapunk adatokat, például az Ön tartózkodási helyére vagy a használt eszközre vonatkozó információkat. Ezekre az adatokra azért van szükségünk, hogy megvédhessük a fiókját a hackerektől, küzdjünk a csalás ellen, ellenőrizzük, hogy Ön jogszerűen bonyolítja-e a fizetéseket, illetve az Önhöz beérkező fizetések jogszerűek-e, valamint hogy termékeinket és szolgáltatásainkat jobbá tegyük az Ön és mások számára. * Kereskedelmi adatok, például az Ön fizetési tranzakcióira vonatkozó információk (mikor és hol történnek fizetési tranzakciók, a tranzakciók leírása, a fizetési tranzakció vagy átutalás összege, számlázási és szállítási információk, valamint a tranzakciók lebonyolításához használt fizetési módok; * Elektronikus információk, például az internetes böngésző és az eszköz jellemzői, beleértve a hardvermodellt, az operációs rendszert és annak verzióját, az eszköz nevét, az egyedi eszközazonosítót, az eszköz ujjlenyomatát, mobilhálózati információkat, valamint az eszköz és a Szolgáltatásaink közötti interakcióra vonatkozó információkat; * Földrajzi helymeghatározási adatok, amelyek tartalmazzák a hely megnevezését, ahol Ön az eszközét használja. A további információkat, valamint azt, hogyan tilthatja le a mobilkészülékéről származó helymeghatározási adatok gyűjtését, lásd alább; * Internetes vagy egyéb elektronikus hálózati tevékenységre vonatkozó információk, amelyek magukban foglalják a Szolgáltatásaink használatára és a Szolgáltatásainkkal való interakciókra vonatkozó információkat, beleértve a hozzáférési időt, „bejelentkezési” és „kijelentkezési” információkat, a böngésző típusát és nyelvét, az Ön internetszolgáltatójának domainnevét, a böngészőjére vonatkozó egyéb jellemzőket, a platformunkon meglátogatott bármely konkrét oldalt, az Ön által megtekintett tartalmat, az Ön által használt funkciókat, a Szolgáltatások használatának dátumát és időpontját, a keresési kifejezéseket, valamint a Szolgáltatások meglátogatása vagy használata előtt meglátogatott weboldalt; * Online azonosítók (pl. a fiókba való bejelentkezéshez használt információk), Internet Protocol (IP) cím és egyedi személyes azonosítók (beleértve az eszközazonosítót; sütiket, webjelzőket (beacon), pixelcímkéket, mobilhirdetés-azonosítókat és hasonló technológiákat; az ügyfélszámot; egyedi aliast és egyéb azonosítókat); * Szakmai vagy foglalkoztatással kapcsolatos információk, például az Ön által vállalkozásáról és alkalmazottairól megadott információk; valamint * A fenti információk bármelyikéből levont következtetések, amelyek célja, hogy olyan profilt hozzunk létre Önről, amely tükrözheti például az Ön preferenciáit, jellemzőit és viselkedését, többek között fiókbiztonsági célokból vagy az általunk nyújtott Szolgáltatások javítása érdekében. ## AZ ÖN ÜGYFELEIRŐL GYŰJTÖTT INFORMÁCIÓK Az Ön nevében az ügyfeleivel kapcsolatos információkat is szerzünk, amikor az ügyfelei tranzakciókat bonyolítanak Önnel. Ezeket az információkat Ügyféladatoknak nevezzük. Az Ügyféladatokat akkor gyűjtjük, amikor a Szolgáltatások Ön általi használata során az Ügyfelei tranzakciókat bonyolítanak Önnel, például fizetnek az Ön létesítményében. Az általunk gyűjtött konkrét Ügyféladatok eltérőek lehetnek attól függően, Ön hogyan használja termékeinket és szolgáltatásainkat, illetve mely termékeket és szolgáltatásokat veszi igénybe. Az Ügyféladatok a következőket tartalmazhatják: * Pénzügyi Információk. Fizetési kártya számok és múltbéli fizetési adatok. * Tranzakciós Adatok. Amikor az Ügyfelei az Alkalmazás mobilalkalmazás segítségével fizetéseket teljesítenek vagy rögzítenek, információkat gyűjtünk a tranzakcióról, amelyek tartalmazzák a tranzakció helyét és idejét, a tranzakcióban részt vevő felek nevét, a tranzakció leírását – ami tételes adatokat is tartalmazhat –, a fizetés vagy átutalás összegét, a számlázási és szállítási információkat, valamint a tranzakció lebonyolításához használt eszközöket és fizetési módokat. ### Az Ön Ügyfelei által az IBA rendelkezésére bocsátott információk * Azonosító adatok. Az Ön Ügyfeleinek az e-mail címe vagy telefonszáma a digitális nyugták küldéséhez. ## AZ ÖNRŐL GYŰJTÖTT INFORMÁCIÓK FORRÁSAI Az Ön adatait Öntől és az alább felsorolt egyéb forrásokból gyűjtjük. Az alábbi kategóriákba tartozó forrásokból gyűjtünk (és/vagy gyűjtöttünk legalább a jelen Adatvédelmi Tájékoztató hatálybalépését megelőző 12 hónapos időszakban) Önre vonatkozó információkat: * Közvetlenül Öntől, amikor információkat küld nekünk, vagy engedélyezi, hogy hozzáférjünk az Önre vonatkozó információkhoz; * Az Ön eszközeiből és alkalmazásaiból, amikor kapcsolatba lép a weboldalunkkal vagy használja a Szolgáltatásainkat; * A csoportunkba tartozó vállalatoktól és kapcsolt vállalkozásainktól; * Egyéb forrásokból, többek között: o Bankoktól and pénzügyi intézményektől; o az Alkalmazás megoldással integrálódott partnereinktől. ## HOGYAN HASZNÁLJUK FEL AZ ÖN ADATAIT Az adatait arra használjuk, hogy megbizonyosodjunk az Ön által használt termékek működőképességéről, segítsünk Önnek bejelentkezni a fiókjába, ellenőrizzük a személyazonosságát, védjük az Ön adatait és az Ügyféladatokat, küzdjünk a csalások ellen, betartsuk a törvényt, megfeleljünk a fizetési rendszerek követelményeinek, érvényesítsük a megállapodásainkat, kitaláljuk, milyen új termékeket készíthetünk, valamint olyan termékeket forgalmazzunk Önnek, amelyekről úgy gondoljuk, hogy megkönnyíthetik az üzletmenetét. A következő okokból gyűjthetünk, használhatunk és oszthatunk meg (vagy gyűjtöttünk, használtunk és osztottunk meg legalább a jelen Adatvédelmi Tájékoztató hatálybalépését megelőző 12 hónapos időszakban) Önre vonatkozó információkat: ### Szolgáltatásaink teljesítése, javítása és fejlesztése * Az Ön által kért információk és támogatás nyújtása, beleértve a technikai értesítéseket, a biztonsági figyelmeztetéseket, valamint a támogatási és adminisztratív üzeneteket, például a Szolgáltatásainkat érintő problémákkal kapcsolatos segítségnyújtást; * Annak megállapítása, hogy a Szolgáltatások elérhetőek-e az Ön országában; * Új termékek és szolgáltatások kifejlesztése; * A korábbi tranzakciókra vonatkozó információk megjelenítése; * Szolgáltatásaink használatának javítása, személyre szabása és megkönnyítése; * Fizetési tranzakciók vagy átutalások feldolgozása vagy rögzítése; * Szolgáltatásaink nyújtása, karbantartása és javítása, beleértve a weboldalunkat is; * Belső kutatás, a trendek és a használat mérése, nyomon követése és elemzése; valamint * Egyébként az Ön által választott IBA termékek és funkciók biztosítása. ### A Szolgáltatásainkkal kapcsolatos kommunikáció * Felmérések küldése és visszajelzések kérése a Szolgáltatásainkról; * Szolgáltatásainkról való tájékoztatás és azok népszerűsítése az Ön számára; valamint * Olyan információk küldése Önnek, amelyekről úgy gondoljuk, hogy hasznosak lehetnek Önnek, vagy amelyeket Ön kért tőlünk termékeinkkel és szolgáltatásainkkal kapcsolatban. ### Szolgáltatásaink védelme és megbízható környezet fenntartása * Vizsgálatok lefolytatása, a hatályos törvények, rendeletek, jogszabályi előírások és ágazati szabványok betartása és betartatása, valamint törvényes kormányzati információkérésekre vagy érvényes jogi eljárásokra való válaszadás; * Kapcsolatfelvétel a Szolgáltatásainkkal kapcsolatos segítségnyújtás érdekében; * Hibakeresés a Szolgáltatásaink működését rontó hibák azonosítása és javítása érdekében; * Bizonyosságszerzés arról, hogy Ön betartja a [Licencszerződést](https://docs.tapxphone.com/v/en/general/app-license) vagy más hatályos megállapodásokat és irányelveket; * Csalások, hamis állítások, biztonsági előírások megsértése vagy incidensek, egyéb potenciálisan tiltott, rosszindulatú vagy illegális tevékenységek kivizsgálása, felderítése, megelőzése, helyreállítása vagy bejelentése, vagy az Ön fiókja védelme egyéb módokon, beleértve visszaterhelések jogvitájának a lefolytatását az Ön nevében; * Az Ön, a mi, ügyfeleink vagy az Ön ügyfelei jogainak vagy tulajdonának, illetve a Szolgáltatásaink biztonságának vagy integritásának a védelme; * Szolgáltatásaink minőségének és biztonságának ellenőrzése vagy fenntartása; valamint * Az Ön személyazonosságának ellenőrzése (pl. hivatalos azonosító számok segítségével). ### Reklám és marketing * Szolgáltatásaink reklámozása Ön felé; és * Kommunikáció Önnel az általunk és kiválasztott partnereink által kínált lehetőségekről, termékekről és szolgáltatásokról. Ha marketing célú e-mailt küldünk Önnek, minden e-mail tartalmaz utasítást arra vonatkozóan, hogyan mondhat le a szolgáltatásról, hogy a jövőben ne kapjon tőlünk marketing üzeneteket. ### Egyéb felhasználási területek * Bármilyen más okból, amelyről időről időre tájékoztatjuk Önt. ## MIKOR ÉS KIKKEL OSZTJUK MEG AZ ÖN ADATAIT A jelen szakaszban írt körülmények fennállása esetén osztjuk meg az Ön adatait másokkal. Például más személyekkel, akikkel Ön kapcsolatba lép, amikor igénybe veszi a szolgáltatásainkat; szolgáltatókkal, akik segítenek szolgáltatásaink működtetésében; vagy amennyiben a jogszabályi megfelelés érdekében meg kell osztanunk az Ön adatait. [„Az Önről gyűjtött információk”](https://docs.tapxphone.com/general/privacy-policy#what) szakaszban leírt személyes adatokat az alábbi kategóriákba tartozó szolgáltatókkal és harmadik felekkel oszthatjuk meg: ### Szolgáltatásaink más felhasználóival, akikkel Ön kapcsolatba kerül * Szolgáltatásaink más felhasználóival, akikkel Ön a Szolgáltatásaink használata során kapcsolatba kerül. Megoszthatunk információkat például az Ön ügyfeleivel, amikor Ön fizetést vagy átutalást fogad el a Szolgáltatásaink használatával. ### A csoportunkba tartozó vállalatokkal és kapcsolt vállalkozásokkal * A csoportunkba tartozó vállalatokkal és kapcsolt vállalkozásokkal, a fentiekben ismertetett okokból. Például csoporton belül megoszthatjuk az Ön adatait, hogy megértsük, hogyan használja az IBA termékeit, és segítsünk jobbá tenni a Szolgáltatásainkat az Ön és mindenki más számára, valamint segítsük az Ön preferenciáira szabott Szolgáltatások létrehozását. ### Szolgáltatóinkkal * Szolgáltatókkal, akik segítenek a Szolgáltatásaink nyújtásában, fenntartásában és javításában, valamint pénzintézetekkel, fizetési hálózatokkal, kártyatársaságokkal, hitelinformációs irodákkal, partnerekkel, és a Szolgáltatásaink nyújtásában segítséget nyújtó más szervezetekkel. ### Biztonság és jogszabályi megfelelés * Amennyiben úgy véljük, hogy az adatközlés ésszerűen szükséges (i) bármely hatályos törvénynek, jogszabálynak, jogi eljárásnak vagy hivatalos kérésnek való megfeleléshez (pl. hitelezők, adóhatóság vagy bűnüldöző szervek adatkérései, lefoglalásra, illetékkel vagy zálogjoggal kapcsolatos értesítésre válaszul, stb.); (ii) törvényes jogaink megállapítása, gyakorlása vagy védelme érdekében; (iii) a [Licencszerződés](https://docs.tapxphone.com/v/en/general/app-license) vagy más hatályos megállapodás vagy irányelv érvényesítéséhez vagy betartásához; (iv) saját vagy ügyfeleink jogainak vagy tulajdonának, illetve Szolgáltatásaink biztonságának vagy integritásának védelme érdekében; (v) feltételezett vagy tényleges illegális tevékenység kivizsgálásához; vagy (vi) a mi, Szolgáltatásaink felhasználói vagy a nyilvánosság védelme érdekében károkkal, csalással vagy potenciálisan tiltott vagy illegális tevékenységekkel szemben. ## Az Ön hozzájárulása alapján * Az Ön hozzájárulása alapján. Például: o Az Ön utasítására vagy a megosztásról szóló megállapodás időpontjában leírtak szerint; vagy o Amikor Ön engedélyezi egy harmadik fél alkalmazásának vagy weboldalának a hozzáférést az adataihoz. ### Másokkal * Más vállalatokkal, amelyek a nevünkben szolgáltatásokat nyújtanak, beleértve az információk sütik és hasonló automatizált technológiák útján történő megosztását. ### Összevont és anonimizált információk * Megoszthatunk (vállalatcsoportunkon belül vagy kapcsolt vállalkozásokkal, illetve szolgáltatókkal vagy más harmadik felekkel) olyan összevont és anonimizált információkat is, amelyek konkrétan nem azonosítják Önt vagy a Szolgáltatásaink bármely egyéni felhasználóját. ## SÜTIK ÉS MÁS HASONLÓ TECHNOLÓGIÁK A digitális sütik és hasonló technológiák segítenek abban, hogy a szolgáltatásainkat célszerűbbé tegyük, például felismerjük, ha Ön bejelentkezett, elemezzük, hogyan használja szolgáltatásainkat, így hasznosabbá tehetjük azokat az Ön számára, személyre szabottabb élményt nyújthatunk Önnek, és biztosíthatjuk az Önnek szóló hirdetéseink hatékonyabb működését. Amikor online szolgáltatásainkat igénybe veszi, vagy megnyitja az általunk küldött e-maileket, bizonyos információkhoz automatizált technológiák, például sütik, webszerver-naplók, webjelzők (beacon) és más technológiák segítségével jutunk hozzá. A süti vagy „cookie” olyan szöveges fájl, amelyet a webhelyek a látogató számítógépére vagy más, internetkapcsolattal rendelkező eszközére küldenek a látogató böngészőjének egyedi azonosítása, illetve információk vagy beállítások a böngészőben történő tárolása céljából. A webjelző – más néven web beacon, internet tag, pixel tag vagy clear GIF – egy apró grafikus kép, amelyet weboldalainkon vagy e-mailjeinkben használhatunk. Ezeket az automatizált technológiákat arra használjuk, hogy a fent leírtak szerint gyűjtsük az Ön eszközével és internetes tevékenységével kapcsolatos információkat és az azokból levonható következtetéseket. Ezek a technológiák biztosítják, hogy: * Megjegyezzük az Ön adatait, hogy ne kelljen újra megadnia azokat; * Nyomon kövessük és értsük, hogyan használja online szolgáltatásainkat és e-mailjeinket; * Online szolgáltatásainkat az Ön preferenciáihoz igazíthassuk; * Mérjük, hogy szolgáltatásaink és kommunikációnk mennyire hasznos és hatékony az Ön számára; és * Egyéb módokon kezeljük és fejlesszük termékeinket és szolgáltatásainkat. A böngészője figyelmeztetheti Önt, ha sütik kerülnek elhelyezésre az eszközén, és a böngésző beállításain keresztül leállíthatja vagy letilthatja azokat. Felhívjuk azonban a figyelmét, hogy sütik nélkül online szolgáltatásaink nem minden funkciója fog megfelelően működni. Ha mobileszközt használ, a mobileszköz adatvédelmi és biztonsági beállításainak módosításával szabályozhatja, hogy a készülék és a böngésző hogyan oszt meg bizonyos eszközadatokat. A cookie-król és a beállítások kezeléséről többet is megtudhat a [http://www.allaboutcookies.org](http://www.allaboutcookies.org/) weboldalon. ## MENNYI IDEIG ŐRIZZÜK MEG AZ ÖN ADATAIT Az Ön adatait mindaddig megőrizzük, amíg Ön használja termékeinket és szolgáltatásainkat. Ezt követően addig őrizzük meg az adatait, amíg szükségünk van rá a csalás elleni küzdelemhez, az Ön által fizetendő díjak beszedéséhez, a törvények betartásához, megállapodásaink érvényesítéséhez és jogaink bírósági védelméhez. Általában addig őrizzük meg az Ön adatait, amíg ez ésszerűen szükséges a Szolgáltatások nyújtásához vagy a hatályos jogszabályoknak való megfeleléshez. Azonban még azt követően is, hogy Ön deaktiválta Kereskedői Fiókját, megőrizhetjük az Önre – valamint bármely olyan tranzakcióra vagy Szolgáltatásra, amelyben részt vett – vonatkozó információk másolatát, a hatályos jogszabályoknak és a hatályos elévülési időnek megfelelő ideig, vagy ameddig azt ésszerűen szükségesnek gondoljuk a hatályos jogszabályoknak, rendeleteknek, jogi eljárásoknak vagy hivatalos kéréseknek való megfeleléshez, csalás felderítéséhez vagy megelőzéséhez, a fizetendő díjak beszedéséhez, viták megoldásához, a Szolgáltatásainkkal kapcsolatos problémák kezeléséhez, vizsgálatok segítéséhez, a [Licencszerződés](https://docs.tapxphone.com/v/en/general/app-license) vagy más hatályos megállapodások vagy irányelvek érvényesítéséhez, vagy bármely más, a hatályos jogszabályoknak megfelelő intézkedés megtételéhez. ## VÁLASZTÁSI LEHETŐSÉGEK Hozzáférhet az Ön által megadott információkhoz, megváltoztathatja vagy javíthatja azokat, kérheti, hogy deaktiváljuk fiókját, és ellenőrizheti helymeghatározási adatait. ### Kereskedő adatok Bármikor hozzáférhet az Ön által megadott információkhoz, megváltoztathatja vagy helyesbítheti azokat, ha bejelentkezik a Kereskedői Fiókjába, vagy banki partneréhez intézett kéréssel. ### A Kereskedői Fiók deaktiválása Ha deaktiválni szeretné a Kereskedői Fiókját, ezt a banki partneréhez intézett kéréssel teheti meg. ### Helymeghatározási adatok Bizonyos Szolgáltatások nyújtása érdekében hozzáférést kérhetünk helymeghatározási adatokhoz, beleértve az Ön eszközéről gyűjtött pontos földrajzi helymeghatározási adatokat. Ha Ön nem járul hozzá ezen információk gyűjtéséhez, bizonyos Szolgáltatások nem fognak megfelelően működni, és Ön nem fogja tudni használni ezeket a Szolgáltatásokat. Bármikor leállíthatja a helymeghatározási adatok gyűjtését a mobileszközén lévő beállítások megváltoztatásával. Ha így tesz, az Alkalmazás mobilalkalmazás egyes funkciói nem fognak működni. A mobilalkalmazáson keresztül történő helymeghatározási adatgyűjtésünket úgy is leállíthatja, hogy a szokásos eltávolítási folyamatot követve törli az Alkalmazás mobilalkalmazást az eszközéről. ## BIZTONSÁG Mindent megteszünk az Ön adatai és az Ügyféladatok biztonsága érdekében. Bár úgy gondoljuk, hogy erős védelemmel rendelkezünk, senki sem garantálhatja, hogy hackerek nem tudnak betörni a webhelyeinkre, vagy ellopni az Ön adatait azok tárolása során, vagy miközben Öntől hozzánk áramlanak, vagy fordítva. Ésszerű intézkedéseket teszünk – adminisztratív, technikai és fizikai garanciákat is beleértve –, hogy védjük az Ön adatait az elvesztéssel, lopással, visszaéléssel, valamint jogosulatlan hozzáféréssel, közzététellel, módosítással és megsemmisítéssel szemben. Mindazonáltal az internet nem 100%-ig biztonságos környezet, és nem tudjuk garantálni az Ön adatai továbbításának vagy tárolásának abszolút biztonságát. Az Ön adatait saját telephelyünkön és külső szolgáltatók segítségével is tároljuk. ## AZ ADATOK TÁROLÁSA ÉS KEZELÉSE Számos országban működünk, és előfordulhat, hogy mi (vagy szolgáltatóink) az Ön adatait a lakóhelye szerinti országon kívülre költöztetjük és ott kezeljük. Előfordulhat, hogy adatait az Európai Unióban és más országokban kezeljük és tároljuk, és ehhez harmadik fél szolgáltatókat is igénybe vehetünk. ## A JELEN ADATVÉDELMI TÁJÉKOZTATÓ MÓDOSÍTÁSA Jogunkban áll módosítani a jelen Adatvédelmi Tájékoztatót. Ha a változás fontos módon befolyásolja az Ön jogait vagy azt, hogyan használjuk fel az adatait, először e-mailben tájékoztatjuk Önt (ha megadta nekünk az e-mail címét). Időről időre módosíthatjuk a jelen Adatvédelmi Tájékoztatót a módosítás közzétételével és a fenti „Hatálybalépés napja” frissítésével. A módosítás a jelzett „Hatálybalépés napján” lép hatályba. Az adatai felhasználásának módjában bekövetkező lényeges változásokról ésszerű időben előzetesen tájékoztatjuk, többek között e-mailben, ha megadta nekünk az e-mail címét. Ha nem ért egyet a módosítással, megszüntetheti a fiókját és törölheti eszközéről az Alkalmazás alkalmazást. Ha folytatja a Szolgáltatásaink használatát, ez a jelen Adatvédelmi Tájékoztató módosításához való hozzájárulásnak minősül. {% embed url="" %} # Alkalmazás használati útmutatója {% hint style="info" %} Az információ csak angol nyelven érhető el. Dolgozunk az Ön nyelvére történő fordításon. {% endhint %} {% embed url="" %} # Kereskedői portál útmutatója {% hint style="info" %} Az információ csak angol nyelven érhető el. Dolgozunk az Ön nyelvére történő fordításon. {% endhint %} {% embed url="" %} # Egyéb kérdés? Válaszolhatunk {% hint style="info" %} Az információ csak angol nyelven érhető el. Dolgozunk az Ön nyelvére történő fordításon. {% endhint %} {% embed url="" %}