Terms & Contitions

TERMS AND CONDITIONS

Valid from July 27, 2024

  1. Terms
    1. Platform – this dPays.eu platform;
    2. User – a natural or legal person using the Platform.
    3. Service – the collection and delivery of the User's data, including their account and other information related to the refund of the Deposit Amount, to the Merchant with the aim of enabling the Merchant to refund the Deposit Amount to the User's account.
      Banka - "Swedbank" AS, Balasta dambis 15, Riga, LV-1048, Latvia, reg. no. 40003074764.
    4. Deposit Amount – the amount paid to the Merchant or their representative upon receiving reusable or recyclable containers or other packaging, which can be recovered from the Merchant or their representative upon returning such reusable or recyclable containers or other packaging.
    5. Merchant - a natural or legal person who refunds the Deposit amount.
  2. General Terms
    1. The Platform is intended to ensure quick and convenient refund of the Deposit amount to the User who has created their personal profile on the Platform and uses it in accordance with the procedure specified in these terms.
    2. To receive the Service, the User must create a profile on the Platform and add their own or a connected account number (multiple accounts can be added) to which the User wishes to receive the Deposit amount.
    3. The rights and obligations of the User and the Bank regarding the use of the Platform and the provision of the Service are governed by these terms.
  3. Creation of User Profile and Adding Accounts
    1. To initially register on the Platform, the User must:
      1. Create their personal profile by entering their email address and creating a password. A message will be sent to the User's provided email address, which the User must confirm, or
      2. Create their personal profile using Google/Apple ID.
    2. To add their account number for the Deposit refund, the User must:
      1. Authenticate using the authentication method of their bank where they have an account, selecting the bank and the account to which the Deposit refund will be made, or
      2. Enter the account number and name manually.
    3. On the Platform, the User can add one or multiple account numbers. It is permitted to add both their own private individual account numbers and account numbers of legal entities represented by the User.
    4. Before receiving the Service, the User verifies the correctness and accuracy of the selected account and makes necessary corrections if needed.
    5. The User has the right to update or delete their profile information at any time.
    6. The User is responsible for creating a secure password, which must consist of 8 to 64 characters and fulfill three out of four of the following conditions:
      1. At least one lowercase letter;
      2. At least one uppercase letter;
      3. At least one digit;
      4. At least one special symbol;
    7. The User takes full responsibility for the security of the created password and ensures its safekeeping, refraining from disclosing it or making it accessible to any other individuals in any way.
  4. Creation of Merchant Profile:
    1. To activate the Merchant profile:
      1. The User contacts the Bank and concludes an agreement regarding the Payout Service by writing to the email address cashmanagement@swedbank.lv
      2. In the Platform, specifying the event under which or reusable containers or other packaging will be issued in exchange for a Deposit amount, including the event name, timing and the unit price of each issued item.
      3. Assigning a User - Moderator who will handle the acceptance and administration of multiple-use or reusable containers or other packaging.
  5. Procedure for Deposit Refunds
    1. To receive service the User must:
      1. At events, the User purchases drinks or food from the trader, paying also a Deposit amount. After use, the User returns the containers or packaging to the trader and presents the User's profile QR code.
      2. At Deposit acceptance points, the User logs into their profile and show the QR code using the dPays Platform.
      3. By scanning the User's profile QR code, the Merchant is responsible for refunding the Deposit will have necessary information to process the refund. The Deposit refund will be credited to the User's account in accordance with these terms and the regulations of the payment service provider serving the User's designated account and the trader responsible for the Deposit refund.
    2. To receive the Service at Deposit acceptance points (Depozīta Punkts):
      1. The User scans the Deposit coupon barcode using a smart device, thereby transferring the User's data to the Deposit Point for the refund of the Deposit amount to the User's account.
    3. The Bank ensures the transfer of Client data to the Merchant for processing the Deposit refund but does not control whether the trader correctly indicates the amount of the Deposit or whether the Merchant makes the Deposit refund to the User's account.
  6. Rights and Responsibilities
    1. The user uses their profile's QR code only for recovering the deposit amount and in accordance with the procedures specified in these terms.
    2. The user is informed and aware that any malicious or fraudulent activity related to the use of the user's profile or its QR code may result in the suspension of their account and the loss of any recovered or reserved deposit amounts.
  7. Processing of Personal Data
    1. The Bank, as the controller, processes the User's personal data for the following purposes:
      1. to create and maintain the User's profile;
      2. to ensure the execution of the Service;
    2. The legal basis for processing the User's personal data in relation to the use of the Platform is the performance of the contract (these terms).
    3. With respect to payment execution, the applicable section is 2.3.3 of the Bank's Personal Data Processing Principles, which are available on the Swedbank website under the "Personal Data Processing" and/or "Terms" sections.
    4. The User has the following rights:
      1. to request information about their personal data processed on the Platform.
      2. to request corrections to their personal data processed on the Platform.
      3. to request the deletion of their personal data processed on the Platform, provided the Bank has no legal basis for the specific data processing.
      4. The data subject has the right to submit a question or complaint regarding the processing of their personal data by sending it electronically, signed with a secure electronic signature, to dpays@swedbank.com or by submitting it personally to the Bank. Regarding the processing of their personal data, the User also has the right to lodge a complaint with the Data State Inspectorate or a court.
    5. The personal data provided by the User will be retained only for as long as necessary to fulfill the purposes specified in these terms.
    6. If the User provides information about third parties for the purpose of receiving the Service, the User undertakes to inform the involved parties about the data processing. The User confirms that there is a legal basis for the transfer of personal data and that the Bank does not need to verify this separately.
    7. A processor is engaged to ensure and maintain the operation of this Platform. Personal data processing takes place within the EU/EEA territory.
    8. Personal data processing occurs in accordance with the Personal Data Processing Regulations available on the Platform. General information about the Bank's personal data processing is available on the Swedbank website under the section "Personal Data Processing" and/or "Regulations".
  8. Other terms
    1. The Bank has the right to unilaterally amend these terms. The amendments to the terms come into effect upon their publication on the Platform and become binding on the User when they start using the Platform. The User is obligated to review the content of these terms again, if necessary, before using the Platform.
    2. The Bank is not liable for any losses incurred by the User as a result of the User's negligence or illegal actions. The Bank does not verify the accuracy of the information provided by the User, including the correctness of the account number.
    3. The Service provided by the Bank is limited to collecting data and providing it to the Merchant. The Bank does not control whether the Merchant has indicated the correct Deposit amount or the Merchant's actions related to the refund of the Deposit amount. In the case of undisbursed or incorrectly disbursed Deposit amounts, the User needs to contact the Merchant directly.
    4. The User assumes full responsibility for their actions/inactions and the resulting losses that occur to the User, whether intentionally or unintentionally, when using the Platform.