ARTICLE 1 – DISPOSITIONS GENERALES
1. Mentions légales
-Editeur du site www.vinumae.comLe site www.vinumae.com est édité par VINUMAE, Société par Actions Simplifiée au capital de 2.000 Euros, inscrite au RCS de Vienne sous le n°844 402 131, ayant son siège social au 30 avenue Général Leclerc, immeuble « Le Saxo » Espace Saint Germain, 38200 Vienne.
– Hébergeur du site www.vinumae.comLe site www.vinumae.com est hébergé par la société NEWQUEST, 20 avenue des Chevaliers Tireurs, 73000 Chambéry.
– Directeur de la publicationLe directeur de la publication est Monsieur Jean-Laurent VACHERON.
2. Finalité du site www.vinumae.com
Le site www.vinumae.com est une plateforme de courtage aux enchères réalisées à distance par voie électronique, mettant en relation des producteurs de vins et spiritueux, ci-après désignés par le terme « Vendeurs », avec des particuliers, ci-après désignés par le terme « Acheteurs ».Les opérations de courtage aux enchères réalisées via l’utilisation du site www.vinumae.com se caractérisent par l’absence d’adjudication au mieux-disant des enchérisseurs et par l’absence d’intervention d’un tiers dans la description du bien et la conclusion de la vente.A ce titre, conformément aux dispositions de l’article L 321-3 alinéa 2 du Code de commerce, les opérations de courtage aux enchères réalisées via le site www.vinumae.com ne constituent pas des ventes aux enchères publiques.Les biens mis en vente par les Vendeurs ne sont pas adjugés à l’issue des enchères, le dernier enchérisseur restant libre de ne pas contracter.En sa seule qualité de fournisseur de service de support en ligne, la SAS VINUMAE ne détient aucun stock et n’agit pas sur les ordres des Vendeurs.Dès lors, la SAS VINUMAE agit comme un opérateur de plateforme en ligne, au sens des dispositions de l’article L 111-7 du Code de la Consommation, dans sa version issue de la Loi n°2016-1321 du 7 octobre 2016 – art. 49 (V), dite « Loi pour une République Numérique ».
3. Objet des Conditions Générales d’Utilisation
Conformément aux dispositions des articles L 111-7 et D 111-8 du Code de la consommation, les présentes Conditions Générales d’Utilisation ont pour objet de délivrer une information loyale, claire et transparente sur le service d’intermédiation proposé par la SAS VINUMAE.En retour, toute personne autorisée à accéder au site www.vinumae.com et à utiliser le service d’intermédiation proposé au moyen de celui-ci, déclare accepter sans réserve les présentes Conditions Générales d’Utilisation et s’engage à en respecter les termes.En conséquence, le fait de se connecter, de consulter le site www.vinumae.com et d’utiliser les services proposés implique l’adhésion entière et sans réserve aux présentes Conditions Générales d’Utilisation.Tout Utilisateur reconnaît ainsi avoir la capacité et les habilitations requises pour accéder au site www.vinumae.com et pour utiliser les services proposés au moyen de celui-ci.En particulier, lors du processus de création du Compte Utilisateur, tout Utilisateur est tenu de déclarer avoir l’âge légal pour la consommation d’alcool.Sur ce point, il est rappelé que l’abus d’alcool est dangereux pour la santé et que sa consommation doit, en conséquence, se faire avec modération.Les présentes Conditions Générales d’Utilisation pourront faire l’objet de modifications à tout moment, lesquelles seront soumises à l’acceptation formelle de l’Utilisateur lors de sa première connexion suivant la date de mise à jour.De façon plus générale, le simple fait d’interagir avec le site www.vinumae.com vaut acceptation pleine et entière des Conditions Générales d’Utilisation par l’Utilisateur.
4. Définition des principaux termes
Acheteur : désigne l’Utilisateur qui conclut une vente avec un Vendeur par l’intermédiaire du service de courtage aux enchères proposé par le site www.vinumae.com.
Attribution : désigne le message adressé à l’Acheteur l’informant que le Vendeur a retenu son Offre et que la vente est conclue.
Commission due par l’Acheteur : désigne la rémunération due par l’Acheteur au titre de l’utilisation du service de courtage aux enchères proposé par le site www.vinumae.com. La Commission due par l’Acheteur s’élève à 18 % TTC du montant de la vente.
Compte Utilisateur : désigne la section personnelle accessible sur le site www.vinumae.com, comportant les données personnelles entrées par l’Utilisateur, créée par ce dernier lors de son enregistrement.
Consommateur : désigne l’Utilisateur personne physique qui utilise le Service, ou conclut en qualité d’Acheteur, un Contrat d’Achat à des fins ne relevant pas de son commerce, son entreprise, son artisanat ou ses activités professionnelles.
Contrat d’Achat : désigne le contrat conclu par l’intermédiaire du site www.vinumae.com entre le Vendeur d’une part et l’Acheteur d’autre part, portant sur l’achat d’un Lot, à l’issue du processus d’attribution défini aux présentes conditions générales.
Droits de propriété intellectuelle : désigne tous les droits de propriété intellectuelle et les droits associés, comme les droits d’auteur, droits de marques, droits de brevets, droits de modèle, droits de noms commerciaux, droits de base de données et droits voisins, ainsi que les droits sur le savoir-faire et les prestations assimilées.
Fournisseurs de services tiers : désigne une entité tiers, non affiliée à la SAS VINUMAE, qui fabrique ou délivre certains produits, services, applications ou sites internet accessibles sur la Plateforme en ligne.
Lot : désigne un ou plusieurs produits mis en ligne par un Vendeur sur le site www.vinumae.com.Offre : désigne le montant proposé T.T.C. par un Utilisateur pour l’acquisition d’un Lot, hors Commission de l’Acheteur et hors frais de livraison.
Prix d’Achat : désigne le montant, toutes taxes comprises, versé par l’Acheteur au Vendeur à l’issue du processus d’attribution d’un Lot, lorsque la vente est formée par l’acceptation du Vendeur.
Prix de Réserve : désigne le prix minimum, exprimé toutes taxes comprises, qu’un Vendeur a indiqué vouloir recevoir pour son Lot. Le Prix de Réserve n’est pas affiché.
Service : désigne le service proposé par la SAS VINUMAE, par l’intermédiaire du site www.vinumae.com, visible et décrit sur la plateforme en ligne et dans les présentes Conditions Générales.
Utilisateur : désigne toute personne physique se connectant au site www.vinumae.com, en vue de son utilisation en qualité d’Acheteur, ainsi que tout artisan vigneron ou personne morale se connectant au site www.vinumae.com en vue de vendre des Lots dans le cadre de ses activités commerciales, d’entreprise, artisanales ou professionnelles.
Vendeur : désigne tout entrepreneur, artisan vigneron, personne physique ou personne morale, utilisant le Service pour vendre des Lots dans le cadre de ses activités commerciales, d’entreprise, artisanales ou professionnelles, ayant fourni à ce titre un numéro d’identification à la TVA.
ARTICLE 2 : CONDITIONS D’ACCES AU SERVICE
1. Accessibilité
Le site www.vinumae.com est accessible gratuitement à tout Utilisateur disposant d’un accès à internet, étant précisé que l’acquisition des logiciels et matériels nécessaires à l’utilisation ou au fonctionnement du service demeure à sa charge.
De même, l’Utilisateur est seul responsable du bon fonctionnement de son équipement informatique et de son accès à Internet.
La SAS VINUAME se réserve la possibilité d’interrompre, de suspendre momentanément ou de modifier sans préavis l’accès à tout ou partie du site www.vinumae.com, afin d’en assurer la maintenance, ou pour toutes autres raisons, sans que l’interruption n’ouvre droit à aucune obligation ni indemnisation.
2. Création du Compte Personnel
En se connectant à l’URL de VINUMAE, l’Utilisateur accède au site www.vinumae en mode consultation uniquement. Si l’Utilisateur souhaite acquérir des Lots en qualité d’Acheteur, il doit au préalable créer un Compte Utilisateur, en renseignant notamment son nom, son prénom, son âge, son adresse email, l’adresse de livraison des lots achetés et l’adresse de facturation.La responsabilité de la SAS VINUMAE ne pourra en aucun cas être recherchée en cas de défaut de communication par l’Utilisateur des informations sollicitées.Lorsque l’Utilisateur a créé son profil, les identifiants de connexion qu’il a choisi lui sont attribués à titre personnel.Un mail de confirmation d’inscription est alors adressé à l’Utilisateur récapitulant les informations renseignées et notamment les identifiants choisis pour se connecter à son Compte Utilisateur.Il est précisé que ces Identifiants seront utilisés par l’Utilisateur uniquement sous sa pleine et entière responsabilité, ce qu’il reconnait dès à présent.Si la SAS VINUMAE constate que l’Utilisateur a fourni de fausses informations ou ne respecte pas les présentes Conditions Générales d’Utilisation, le Compte de l’Utilisateur pourra être suspendu ou supprimé définitivement après information préalable de l’Utilisateur par e-mail.Par ailleurs, l’Utilisateur pourra à tout moment clôturer son Compte en formulant la demande écrite par e-mail à la SAS VINUMAE, à l’adresse suivante : contact@vinumae.com.
ARTICLE 3 – DESCRIPTION DU SERVICE
Comme il a été dit en Préambule, la SAS VINUMAE propose un service de courtage aux enchères réalisées à distance par voie électronique, portant sur des Lots issus directement de la production des vignerons et domaines viticoles ayant ouvert sur le site www.vinumae.com un Compte en qualité de Vendeurs.
La SAS VINUMAE s’engage ainsi à permettre aux Utilisateurs de consulter, via le site www.vinumae.com, les Lots proposés à la vente par les Vendeurs. A ce titre, la SAS VINUMAE n’entre pas en possession des Lots.
Le contrat de vente est conclu entre l’Acheteur et le Vendeur, dans les conditions et selon le processus ci-après détaillé à l’article « Processus de vente aux enchères ».
La SAS VINUMAE ne peut garantir que le Lot du Vendeur satisfera l’Acheteur. De même, VINUMAE ne peut garantir au Vendeur que le Lot ne sera pas retourné ou que la vente ne sera pas annulée par l’Acheteur, dans le cadre notamment de l’exercice de son droit de rétractation.
ARTICLE 4 – PROCESSUS DE VENTE PAR LE BIAIS DES ENCHERES ET CONCLUSION DU CONTRAT DE VENTE
L’Acheteur qui souhaite acquérir un lot émet une offre, qu’il détermine librement en renseignant le champ libellé « votre enchère maximum », prévu à cet effet.Pour le cas où l’offre ainsi formée serait ultérieurement couverte par un autre Utilisateur, un e-mail sera automatiquement adressé à l’Acheteur, pour l’en informer et lui indiquer qu’il conserve la possibilité de sur-enchérir.A l’expiration du délai fixé, la SAS VINUMAE relève les trois meilleures propositions d’achat et les transmet au Vendeur, qui conserve la liberté de contracter avec l’enchérisseur de son choix, conformément aux dispositions de l’article 5 – 2° de la loi n°2011-850 du 20 juillet 2011.A la clôture des enchères, le transfert de propriété du lot n’est donc pas automatique.Par application des dispositions de l’article 1583 du Code civil, l’acceptation par le Vendeur de l’une des Offres qui lui est présentée rend la vente parfaite et déclenche l’Attribution du Lot à l’Acheteur.L’Acheteur dont l’Offre a été retenue par le Vendeur est informé par e-mail de l’Attribution du Lot et du caractère parfait de la vente ainsi conclue.Le paiement du prix par l’Acheteur vaut acceptation des Conditions Générales de Vente du Vendeur dont le Lot est acheté, consultables sur les fiches afférentes à chaque domaine.
ARTICLE 5 – DISPOSITIONS FINANCIERES
1. Commissions due par l’Acheteur à la SAS VINUMAE en rémunération du service d’intermédiation
La Commission due par l’Acheteur à VINUMAE s’élève à 18 % TTC du montant de la vente.
2. Modalités de paiement
A compter de la notification de l’Attribution du Lot, l’Acheteur est tenu de procéder au règlement du Prix d’Achat, de la Commission due à la SAS VINUMAE et des frais de livraison, en suivant les instructions de paiement indiquées.Les paiements effectué via le site www.vinumae.com et la circulation des fonds correspondants sont exécutés via le système de paiement fourni par la société MANGOPAY, société anonyme de droit luxembourgeois au capital de 6 200 000 euros, habilitée à exercer son activité au sein de l’Espace Economique Européen, en qualité d’établissement de monnaie électronique agréé par la Commission de Surveillance du Secteur Financier, immatriculée sous le numéro B173549 au registre du commerce et des sociétés luxembourgeois, dont le siège social est situé 110 route d’Arlon L-1150 Luxembourg.Les modalités et les caractéristiques de fonctionnement de ce système de paiement sont décrites dans les conditions générales d’utilisation de la société MANGOPAY, qui sont disponibles sur le site www.vinumae.com et qui doivent être acceptées par l’Utilisateur dès la création de son compte.Par application desdites caractéristiques de fonctionnement, le paiement du prix de vente, des frais de livraison et de la commission de service est affecté au e-wallet de l’Acheteur.Le e-wallet de l’Acheteur ne sera débité qu’à compter de la réception des lots et, en tout état de cause, à l’issue du délai de rétraction de quatorze jours prévu à l’article L 121-21 du Code de la consommation.
3. Facturation
Suite à l’acceptation et au paiement du Lot, le colis contenant les produits est adressé à l’Acheteur par le Vendeur, qui joint sa facture à son envoi, étant précisé que ladite facture est également disponible sur demande adressée par e-mail à l’adresse suivante : contact@vinumae.com, ou consultable directement depuis le compte Utilisateur de l’Acheteur.
De même, la facture afférente aux frais de ports et à la commission due par l’Acheteur à la SAS VINUMAE est consultable depuis le compte Utilisateur de l’Acheteur.
Dans le cadre d’une livraison en dehors de la France Métropolitaine, les dispositions prévues par le Code général des impôts relatives à la TVA sont applicables. La commande sera alors soumise à des droits de douane et à des taxes éventuelles, dont la SAS VINUMAE ne sera ni responsable, ni en charge des modalités.
ARTICLE 6 – LIVRAISONS
1. Modalités de livraison
Les produits sont livrés à l’adresse indiquée sur la fiche Utilisateur renseignée par l’Acheteur, ou à toute autre adresse que l’Acheteur aura pris soin d’indiquer lors du processus d’achat, en remplissant le champ prévu à cet effet.
Les produits sont livrés dans le délai stipulé au Conditions Générales de Vente du Vendeur.
Les frais de livraison sont à la charge de l’Acheteur, étant précisé que ce dernier a le choix entre plusieurs options d’expédition, en fonctions des offres proposées par l’entreprise de logistique partenaire de la SAS VINUMAE, à savoir la SARL VIGNOBLEXPORT.
L’Acheteur sera en mesure de suivre l’état d’avancement du transport, au moyen du numéro de suivi qui sera attribué à sa commande.
2. Retard/absence de livraison
Pour toute réclamation en cas de retard, non-réception totale ou partielle des produits commandés à compter de la date de livraison convenue, l’Acheteur est invité à prendre contact sans délai avec la SAS VINUMAE, qui s’assurera, en sa qualité de courtier intermédiaire et sans aucune reconnaissance de responsabilité, du respect par le vendeur des dispositions issues des articles L 216-1 et suivants du Code de la consommation, en vertu desquels notamment :Le professionnel livre le bien ou fournit le service à la date ou dans le délai indiqué au consommateur, conformément au 3° de l’article L. 111-1, sauf si les parties en ont convenu autrement.A défaut d’indication ou d’accord quant à la date de livraison ou d’exécution, le professionnel livre le bien ou exécute la prestation sans retard injustifié et au plus tard trente jours après la conclusion du contrat.La livraison s’entend du transfert au consommateur de la possession physique ou du contrôle du bien.En cas de manquement du professionnel à son obligation de livraison du bien ou de fourniture du service à la date ou à l’expiration du délai prévus au premier alinéa de l’article L. 216-1 ou, à défaut, au plus tard trente jours après la conclusion du contrat, le consommateur peut résoudre le contrat, par lettre recommandée avec demande d’avis de réception ou par un écrit sur un autre support durable, si, après avoir enjoint, selon les mêmes modalités, le professionnel d’effectuer la livraison ou de fournir le service dans un délai supplémentaire raisonnable, ce dernier ne s’est pas exécuté dans ce délai.Le contrat est considéré comme résolu à la réception par le professionnel de la lettre ou de l’écrit l’informant de cette résolution, à moins que le professionnel ne se soit exécuté entre-temps.Le consommateur peut immédiatement résoudre le contrat lorsque le professionnel refuse de livrer le bien ou de fournir le service ou lorsqu’il n’exécute pas son obligation de livraison du bien ou de fourniture du service à la date ou à l’expiration du délai prévu au premier alinéa de l’article L. 216-1 et que cette date ou ce délai constitue pour le consommateur une condition essentielle du contrat. Cette condition essentielle résulte des circonstances qui entourent la conclusion du contrat ou d’une demande expresse du consommateur avant la conclusion du contrat.Lorsque le contrat est résolu dans les conditions prévues à l’article L. 216-2, l’e-wallet de l’acheteur n’est pas débité et celui-ci se voit rembourser la totalité des sommes versées, au plus tard dans les quatorze jours suivant la date à laquelle le contrat a été dénoncé.Etant rappelé que tout risque de perte ou d’endommagement des biens est transféré au consommateur au moment où ce dernier ou un tiers désigné par lui, et autre que le transporteur proposé par le professionnel, prend physiquement possession de ces biens.Par ailleurs, si un l’achat d’un ou plusieurs Lots est retourné au Vendeur pour un motif tel que « non réclamé » ou « n’habite pas à l’adresse indiquée », la SAS VINUMAE en informe l’Acheteur concerné, qui doit apporter en réponse toutes précisions utiles en vue d’une livraison effective.Le ou les Lots lui seront alors réexpédiés après accord et paiement des frais correspondants.A l’expiration d’un délai d’un mois, sans nouvelles de l’Acheteur, le ou les Lots ne seront plus expédiés, sans que cela puisse ouvrir droit à remboursement, échange ou indemnisation.
3. Lot endommagé ou non conforme lors de la livraison
La mise en place et le coût de l’assurance relative au transport des produits expédiés sont intégralement pris en charge par la SAS VINUMAE.
Dès la réception du colis, l’Acheteur doit vérifier l’état des produits et leur conformité avec la commande.
En cas de livraison d’un produit endommagé ou détérioré, il appartient à l’Acheteur de refuser le colis, d’apposer sur le bordereau du transporteur toutes réserves légales et de contacter dans les plus brefs délais la SAS VINUMAE, qui se chargera de mettre en œuvre les modalités de remboursement.
En cas de non-conformité du Produit à la commande, il appartient à l’Acheteur de prendre contact avec la SAS VINUMAE, qui se chargera, dans le cadre d’un suivi qualitatif des commandes et sans aucune reconnaissance de responsabilité de sa part, de transmettre sans délai au Vendeur les motifs de la non-conformité invoquée.
La SAS VINUAME transmettra alors sans délai à l’Acheteur la réponse faite par le Vendeur et s’assurera du traitement de la réclamation au mieux des intérêts des deux parties, dans le respect des conditions générales de vente du Vendeur.
Après constatation de la non-conformité du produit par rapport à l’offre du Vendeur, ce dernier procèdera à un échange avec un Lot de qualité identique ou supérieure suivant sa disponibilité ou procédera au remboursement de l’achat et des frais de transport supportés par l’Acheteur.Si, à l’issue d’une période de quatorze jours à partir de la date de réception des produits, aucune réclamation n’a été reçue, la transaction est réputée parfaite (hors garantie légale de conformité, ou vice caché) et le e-wallet de l’Acheteur est alors débité.
ARTICLE 7 – DROIT DE RETRACTATION
Conformément aux dispositions du Code de la consommation, l’Acheteur dispose d’un délai de quatorze jours calendaires pour exercer son droit à rétractation sans avoir à justifier de motifs, ni à payer des pénalités, à l’exception des frais de retour.Les frais de retour seront à la charge de l’Acheteur et seront déterminés en fonction du transporteur choisi par l’Acheteur pour le retour du Produit, du volume, du poids du Produit et de l’adresse de livraison.Au terme de ce délai, le droit de rétractation devient irrémédiablement caduc. Ce délai de quatorze jours calendaires commence à courir le jour de la prise de possession du dernier bien commandé.Pour exercer son droit de rétractation, l’Acheteur devra remplir le formulaire de rétractation reproduit en Annexe des présentes et le renvoyer par tout moyen au Vendeur identifié dans la confirmation de commande.En cas d’exercice du droit de rétractation, la SAS VINUMAE est tenue de rembourser sans délai l’Acheteur de tous les paiements reçus (le montant crédité par l’acheteur sur le e-wallet du vendeur ne sera pas transféré vers le compte bancaire de ce dernier y compris les frais de livraison, au plus tard dans les quatorze jours suivants la date à laquelle ce droit a été exercé. Au-delà, la somme due est, de plein droit, productive d’intérêts au taux légal en vigueur).L’Acheteur dispose de 14 jours pour restituer le Lot commandé à l’adresse du Vendeur en indiquant le numéro de sa commande, avec tous ses accessoires et documents, ou dans un emballage équivalent à celui de l’expédition.Tous les produits retournés devront être renvoyés dans un emballage équivalent à celui de l’expédition et dans le meilleur état possible afin de faciliter la revente du Lot par le Vendeur. En cas de détérioration du fait de l’Acheteur, les Lots lui seront alors renvoyés sans qu’il puisse exiger une quelconque compensation ou droit à remboursement, à l’exception de l’exercice ultérieur de ses droits à garantie sur les Lots vendus.
ARTICLE 8 – GARANTIES PRODUIT
Le Vendeur s’engage à ce que toute offre émanant d’un Acheteur corresponde à un Lot disponible immédiatement et dont il dispose de la pleine et entière propriété.La SAS VINUMAE ne peut être engagée d’aucune façon que ce soit dans les garanties assumées par les Vendeurs. A ce titre, les Vendeurs sont tenus de la garantie légale de conformité et de la garantie légale des vices tels que définies aux articles L.211-4 et suivants du Code de la Consommation et 1641 et suivants du Code Civil, permettant à l’Acheteur de renvoyer les produits livrés non conformes ou défectueux.Le Vendeur agissant à titre professionnel s’oblige à respecter les dispositions légales et règlementaires relatives à l’exercice d’une activité commerciale de vente à distance (articles L121-17, L111-1 et 2 du Code de la Consommation).Les conditions d’exercice de ces garanties sont détaillées dans les Fiches des Domaines.
ARTICLE 9 – PROPRIETE INTELLECTUELLE
L’ensemble des éléments constituant le site www.vinumae.com (textes, graphismes, logiciels, photographies, images, vidéos, sons, plans, noms, logos, marques, créations et œuvres protégeables diverses, bases de données, etc..) ainsi que le site www.vinumae.com lui-même, relèvent des législations françaises et internationales sur le droit d’auteur et sur les droits voisins.
Ces éléments sont la propriété exclusive de la SAS VINUMAE, hormis les éléments réalisés par des intervenants extérieurs au site www.vinumae.com, n’ayant pas cédé leurs droits d’auteur.
Toute utilisation non expressément autorisée d’éléments du site www.vinumae.com entraîne une violation des droits d’auteur ou de tous autres droits et réglementations en vigueur et constitue une contrefaçon.
Sauf accord préalable écrit de la SAS VINUMAE, le Participant s’engage à ne pas modifier, copier, reproduire, republier, télécharger, mettre en ligne, transmettre, vendre ou distribuer de quelque manière que ce soit, sur un autre serveur ou dans un autre lieu, le contenu mis à sa disposition par la SAS VINUMAE y compris les codes et les fiches Vendeurs.
ARTICLE 10 – DENI DE GARANTIE ET EXCLUSIONS DE RESPONSABILITE
La SAS VINUMAE ne saurait être tenue responsable à l’égard de l’Utilisateur des dommages, directs ou indirects, résultant de l’utilisation, de l’accès au site www.vinumae.com, ou aux contenus du site www.vinumae.com, que l’Utilisateur soit avisé ou non de la possibilité de ces dommages.La SAS VINUMAE n’est tenue que d’une obligation de moyen au titre de la mise à disposition du service d’intermédiation proposé.En conséquence, la SAS VINUMAE ne pourra être tenue responsable des fautes commises par les Utilisateurs qui auront été mis en relation par son intermédiaire. La SAS VINUMAE n’est en aucun cas garante du bon respect des obligations d’un Utilisateur envers un autre, même en cas de conclusion d’un Contrat d’Achat par son intermédiaire.La SAS VINUMAE ne garantit pas le fonctionnement ininterrompu ou exempt de dysfonctionnements du site www.vinumae.com. L’Utilisateur déclare, à ce titre, accepter les caractéristiques et les limites des moyens de communication et, notamment, de l’internet mobile et des systèmes d’exploitation de la plateforme.En particulier, l’Utilisateur reconnait que son utilisation des services d’intermédiation de VINUMAE se fait à ses risques et périls et que le site www.vinumae.com lui est accessible en état et en fonction des disponibilités.En cas de mise en jeu de sa responsabilité, la responsabilité globale maximale de la SAS VINUMAE, ou de ses représentants, à l’égard de l’Utilisateur au titre de l’utilisation du site www.vinumae.com est limitée à la réparation des seuls dommages directs, à l’exclusion de tous dommages indirects (tels que manque à gagner, perte d’une chance, perte de données, atteinte à l’image … ), et ne saurait excéder le montant hors taxes des rémunérations qu’il pourrait recevoir de l’Utilisateur au titre du service.
ARTICLE 11 – VIE PRIVEE ET TRAITEMENT DES DONNEES A CARACTERE PERSONNEL
La SAS VINUMAE se conforme aux dispositions de la loi n° 78-17 du 6 janvier 1978 relative à l’informatique, aux fichiers et aux libertés et du règlement européen 2016/679 dit « Règlement Général relatif à la Protection des Données ».La SAS VINUMAE met dès lors tout en œuvre afin de respecter la vie privée des Utilisateurs, dans le cadre de leur utilisation du service d’intermédiation proposé.En accédant au site www.vinumae.com, l’Utilisateur reconnait être informé des conditions énoncées dans la présente stipulation, ainsi que des objectifs et méthodes de traitement qu’elle implique.Le responsable des traitements de données collectées et traitées dans le cadre de la fourniture des Services est la SAS VINUMAE, dont les coordonnées sont précisées en tête des présentes, sous la rubrique traitant des mentions légale.La SAS VINUMAE traite notamment les données suivantes : l’adresse e-mail de l’Utilisateur, le domaine et l’adresse IP de l’Utilisateur (détectés automatiquement) ainsi que toute information donnée volontairement par l’Utilisateur par exemple lors de l’utilisation du Service ainsi que les cookies nécessaires à l’utilisation du service.La SAS VINUMAE ne traite en aucun cas des données bancaires renseignées de manière confidentielle auprès de la société MANGOPAY.Ces données sont collectées aux fins suivantes :- pour la mise en œuvre et l’exécution du service, à savoir fournir et améliorer le service ou développer de nouveaux services.- pour servir les intérêts légitimes de la SAS VINUMAE, à savoir gérer la fraude, transmettre y compris par voie d’e-mail des informations sur des produits et services analogues fournis (sauf pour les données de connexion bancaire), réaliser des statistiques.- pour transmettre y compris par voie d’e-mail et sous réserve de l’accord exprès de l’Utilisateur des informations sur d’autres produits et services que la SAS VINUMAE propose ou que des tiers proposent y compris à des fins de marketing.La SAS VINUMAE est très attentive à la sécurité et la confidentialité des données de l’Utilisateur.La SAS VINUMAE prend toutes les mesures nécessaires de sécurité organisationnelle et technique requises pour protéger les données contre la destruction accidentelle ou non autorisée, la perte accidentelle ainsi que la modification, l’accès et tout autre traitement non autorisé par les présentes Conditions Générales d’Utilisation.Ces mesures seront adaptées par la SAS VINUMAE afin de continuellement assurer un niveau de protection adéquat. Les données de l’Utilisateur ne seront transmises à aucun tiers sans son consentement.La SAS VINUMAE se réserve le droit de divulguer des informations personnelles sur requête d’une autorité légale ou si elle estime de bonne foi que cette divulgation est requise :- Pour se conformer à toute loi ou réglementation en vigueur.- Pour protéger ou défendre les droits du site www.vinumae.com ou des Utilisateurs de celui-ci.- Si des circonstances impérieuses le justifient, pour protéger la sécurité personnelle des Utilisateurs.Les données à caractère personnel traitées par la SAS VINUMAE dans le cadre du service sont conservées pendant la durée de la relation contractuelle ainsi que pour tenir compte des dispositions légales imposant des durées de conservation spécifiques.L’Utilisateur dispose d’un droit d’accès, de rectification, d’effacement ou de portabilité des données le concernant. L’Utilisateur a aussi la possibilité de définir des directives relatives au sort de ses données après son décès ou choisir d’en limiter l’usage.Si l’Utilisateur a consenti de manière expresse à certaines utilisations de ses données, l’Utilisateur peut retirer ce consentement à tout moment sous réserve que le traitement ne conditionne pas l’exécution du service.L’Utilisateur peut s’opposer au traitement de ses données pour un motif légitime.L’Utilisateur peut également s’opposer à recevoir par SMS et e-mail des offres commerciales de la part de la SAS VINUMAE pour des services et produits analogues.Pour l’ensemble des demandes relatives à ses droits, l’Utilisateur peut s’adresser à la SAS VINUMAE, 30 avenue Général Leclerc, immeuble « Le Saxo » Espace Saint Germain, 38200 Vienne.Concernant les données collectées afin d’être traitées dans le cadre de la lutte contre le blanchiment des capitaux et le financement du terrorisme, l’Utilisateur peut s’adresser directement auprès de la Commission nationale de l’informatique et des libertés (https://www.cnil.fr/).
ARTICLE 12 – DISPOSITIONS GÉNÉRALES
Toute notification d’un Utilisateur, pour être recevable, devra être détaillée, indiquer clairement les raisons de l’insatisfaction et être transmise à la SAS VINUMAE par lettre simple, par e-mail ou via son compte Personnel.
La responsabilité des parties ne pourra être engagée pour tout retard ou inexécution lorsqu’ils sont liés à un cas de force majeure, telle que définie par les textes ou, plus généralement, par la jurisprudence constante.
Le fait qu’une clause quelconque des Conditions Générales d’Utilisation devienne nulle, inopposable, caduque, illégale ou inapplicable du fait d’une loi, d’un règlement ou à la suite d’une décision de justice, ne pourra remettre en cause la validité, la légalité, l’applicabilité des autres stipulations et n’exonérera pas l’Utilisateur de l’exécution de ses obligations contractuelles non invalidées.
ARTICLE 13 – LITIGES – DROIT APPLICABLE – MEDIATION
Les présentes Conditions Générales d’Utilisation sont régies par le droit français. Elles sont rédigées en langue française. Dans le cas où elles seraient traduites en une ou plusieurs langues, seul le texte français ferait foi en cas de litige.
En application de l’article L 141-5 du Code de la Consommation, le consommateur peut saisir à son choix, outre l’une des juridictions territorialement compétentes en vertu du Code de procédure civile, la juridiction du lieu où il demeurait au moment de la conclusion du contrat ou de la survenance du fait dommageable.
Conformément aux dispositions du Code de la consommation concernant le règlement amiable des litiges, tout consommateur peut recourir au service de médiation pour les litiges de consommation liés à une commande effectuée sur le site www.vinumae.com.
Conformément aux règles applicables à la médiation, tout litige de consommation doit être préalablement soumis à la SAS VINUMAE. A défaut de résolution amiable du litige, le Service du Médiateur peut être saisi.
ANNEXE: FORMULAIRE DE RÉTRACTATION
Veuillez compléter et renvoyer le présent formulaire uniquement si vous souhaitez vous rétracter du présent contrat. (*) Rayer la mention inutile
A l’attention de [Indiquer le nom et l’adresse du Vendeur, tel que figurant sur la confirmation de commande]
Je/Nous (*) vous notifie/notifions (*) par la présente ma/notre (*) rétractation du contrat portant sur la vente du bien ci-dessous :
Commandé le/Reçu le (*)
Nom du(des) consommateur(s)
Adresse du(des) consommateur(s)
Signature du(des) consommateur(s) (uniquement en cas de notification du présent formulaire sur papier)
Date
General Conditions of Use for the Payment Services
Version of July, 1st 2019
Entered into between:
The client, a legal or physical person registered in the Business and Companies Registry (or a national
business registry or any other equivalent professional organisation) in a Member State of the European
Union or in a State that is part of the European Economic Area, or in a third-party country imposing
equivalent obligations in terms of the fight against money laundering and the financing of terrorism, acting
exclusively on their own behalf for professional purposes (commercial, industrial, artisanal or independent),
hereinafter, referred to as the “Account Holder” or “Professional Account
Holder”,
or
The client, a legal or physical person resigning in a Member State of the European Union or in a State that
is part of the European Economic Area, or in a third-party country imposing equivalent obligations in terms
of the fight against money laundering and the financing of terrorism, acting exclusively on their own behalf
for non-professional purposes,
hereinafter, referred to as the “Account Holder” or “Consumer Account Holder”, party of the first part,
and,
MANGOPAY SA a société anonyme [joint-stock company] governed by Luxembourg law, with capital of
6,200,000 euros, the registered office of which is located at 2, Avenue Amélie, L-1125 Luxembourg and
registered in the Luxembourg Business and Companies Registry under number B173459, authorised to
exercise their activity in the European Economic Area, in the capacity of an electronic money institution
authorised by the Luxembourg Commission de Surveillance du Secteur Financier [Oversight Commission
of the Financial Sector], 283 route d’Arlon L-1150 Luxembourg, www.cssf.lu,
hereinafter, referred to as the “Service Provider”, party of the second part,
hereinafter, referred to separately as a “Party” and together as the “Parties”.
Note
The Account Holder is asked to carefully read this Framework Contract provided to them by the Platform
before accepting it. They are asked to download a hard copy of it. By default, communication with the
Service Provider is always carried out through the Platform, according to the terms established in the
General Conditions of the Site, except when a distinct communication method is established in the
Contract.
1. Definitions
For the purposes hereof, the terms hereinbelow are defined as follows:
“Authentication”: indicates the procedures defined by the Platform in order to identify the Account Holder
or the validity of a Payment Order. These procedures include using the Personalised Security Data and the
Identification Data.
“Strong Authentication”: indicates the Authentication procedures defined by the Platform and that respond
to the requirements of European Directive 2015/2366 of 25 November 2015. This Strong Authentication
specifically includes elements that allow for establishing a dynamic link between the Operation, the amount
and the Beneficiary.
“Banks”: indicate credit institutions in charge of protecting funds collected by the Service Provider on
behalf of the Account Holder. These funds are safeguarded in an account opened for this purpose, held by
a credit institution designated by the Service Provider.
“Beneficiary”: indicates the legal or physical person, creditor of a Payment Operation issued by the Account
Holder.
“Card”: indicates the debit card, payment card or credit card used to transfer the funds to an Account Holder
designated on the Payment Account opened in the Service Provider’s books. This card must be within one
of the following networks: Visa, MasterCard, CB.
“Payment Account” or “Account”: indicates the Payment Account used by the Service Provider in the
name of the Account Holder and used to carry out payment operations. The Account may in no way be
associated with a deposit account. The currency of the Account is indicated on the Site during registration
sign-up.
“General Conditions of the Site”: indicates the general conditions of use of the Site entered into between
the users of the Site and the Platform, specifically governing access to the Site.
“Price Conditions”: indicates the financial terms agreed to between the Account Holder and the Platform,
including the fees under this Framework Contract.
“Framework Contract”: indicates these General Conditions of Use of the Payment Services, including the
Registration Form and the Price Conditions, governing the use of the Payment Services as well as managing
the Payment Account by the Service Provider.
“Personalised Security Data”: indicates the personal data provided by the Platform to the Account Holder
for the purposes of Authentication. It includes the Identification Data, as well as potentially any other data
related to the Authentication procedure or Strong Authentication.
“Identification Data”: indicates the unique identifier and the password of the Account Holder, that allows
them to access their Personal Online Area.
“Personal Data”: indicates any information related to the physical person who is the Account Holder, or a
physical person related to the legal person who is the Account Holder (specifically a corporate executive, a
beneficial owner, or an Authorised Person), under the meaning in European Regulation 2016/679 related to
protecting personal data.
“Personal Online Area”: indicates the environment dedicated to the Account Holder, accessible on the Site
of the Platform, allowing them to access their Payment Account and use the Payment Services.
“Registration Form”: indicates the form to be filled out by anyone wishing to register for Payment
Services, accessible on the Site at registration or made available by the Platform.
“Business Day”: indicates a calendar day with the exception of Saturdays, Sundays, and public holidays
in mainland France and Luxembourg and any other day designated as such by the Service Provider.
“Payment Methods”: indicates the payment methods other than the Card, listed on the Site, and the option
of which is offered by the Service Provider. The Account Holder activates the Payment Methods of their
choice from their Personal Online Area.
“Payment Operation”: indicates a routine or one-time transfer, ordered by the Account Holder or by any
representative authorised for this purpose, debited from the Payment Account.
“Payment Order”: indicates the instructions given by the Account Holder to the Service Provider in
compliance with the procedure established in the Framework Contract to carry out a Payment Operation.
“Payment Page”: Indicates the page secured by the banking service of the Service Provider.
“Person in Question”: indicates the physical person who is the Account Holder or any person related to the
Account Holder (specifically a corporate executive, a beneficial owner, or an Authorised Person), whose
Personal Data is processed in the framework of the performance of this Framework Contract.
“Authorised Person”: indicates any representative designated by the Account Holder in order to access the
Payment Account and use the Payment Services on their behalf.
“Platform”: indicates the entity, the contact information of which are indicated in the General Conditions
of the Site, who manages the Site. It prepares, facilitates and advises prospects, for the purposes of the
Framework Contract through the use of its Site. It accompanies Account Holders during their entire
relationship with the Service Provider in the framework of carrying out their Payment Operations. It collects
the documents necessary to open an Account. The Platform does not collect funds with the exception of the
fees agreed to in the Price Conditions.
“Service Provider”: indicates MANGOPAY SA, issuer of Electronic Money, authorised in Luxembourg
by the Commission de Surveillance du Secteur Financier under reference number 3812 and authorised to
carry out its activity in all Member States of the European Union. The Service Provider appears on the list
of electronic money institutions available at www.cssf.lu/surveillance/ep-eme/listes-officielles.
“Third-Party Payment Service Providers” or “Third-Party PSP”: indicates any institution, other than
the Service Provider, authorised in a Member States of the European Union or part of the European
Economic Area, or in a third-party country imposing equivalent obligations in terms of the fight against
money laundering and the financing of terrorism.
“Platform Customer Service”: indicates the customer service whose contact information is indicated on
the Site, from which the Account Holder may obtain information regarding the Framework Contract.
“Payment Services”: indicates the payment services defined in Points 3 and 5 of the Annex of the
Luxembourg Law of 10 November 2009, relative to payment services.
“Site”: indicates the website used by the Platform whose purpose is to sell goods or services to Users or to
collect funds from them, or to put Account Holders in contact with Users.
“Hard Copy”: indicates any instrument allowing the Account Holder to store information addressed to
them personally in order to be able to refer to it later during a time period adapted for the purposes for which
the information is provided and allowing them to identically reproduce the information stored. It is generally
offered in the form of a PDF file.
“Account Holder”: indicates any legal or physical person acting on their own behalf and in the name of
which a Payment Account is opened to use the Payment Services.
“User”: indicates any legal or physical person having transferred funds to an Account Holder through the
Site using their Card or any other Payment Method accepted by the Service Provider to transfer funds.
2. Purpose
The Framework Contract has the purpose of defining the conditions in which the Service Provider provides
Payment Services to the Account Holder in return for payment as defined in Article 11 herein.
These Payment Services include:
– opening and managing the Payment Account,
– crediting the Payment Account: registering the funds transferred by Card or by any other Payment
Methods accepted by the Service Provider; receipt of transfers.
– debiting the Payment Account; carrying out recurring or one-time Transfer Operations, deducting
the fees due in compliance herewith, reversal of funds transfer to Cards (or any other Payment
Methods).
The Account is not subject to any overdraft, advance, credit or discount. The Service Provider does not offer
any currency exchange services.
The Service Provider has authorised the Platform for the purposes hereof with all Account Holders and
supports them for their entire relationship with the Service Provider.
3. Registration for the Services
3.1. Registration Methods
The Framework Contract is entered into remotely, according to the terms established by the Platform under
the General Conditions of the Site. To enter into the Framework Contract Online, the interested party must
have the necessary equipment (materials and software), for which they alone are responsible.
By default, acceptance of the Framework Contract is carried out remotely via the Site and is entered into by
electronic signature. The interested party has the possibility of requesting to sign the Contract by hand. For
this purpose, they must print this Contract, sign it, and return it by electronic or postal mail to the Platform
Customer Service, the contact information of which is indicated in the General Conditions of the Site.
In the event of a handwritten signature, the date of entering into the Framework Contract is the date indicated
on it and if there is no date, it will be the date that the Framework Contract is received by the Platform.
Electronic signing of the Framework Contract is carried out via the Site. The date of entering into the
Framework Contract corresponds to the date on which the interested party has finalised the e-signing process
as indicated on the Site.
The Framework Contract entered into with the Parties electronically has the same legal status as a
Framework Contract on paper.
3.2. Contractual Documents
The Framework Contract includes:
– these General Conditions of Use of the Payment Services,
– the Registration Form available on the Site,
– the Price Conditions indicated via the Platform.
These General Conditions of Use of the Payment Services, as well as the Price Conditions, are made
available to the Account Holder on the Site and downloadable as a Hard Copy. At any time during the
contractual relationship, the Account Holder may, upon request, receive these documents in paper format.
The Service Provider will maintain access to the contractual documents for a term of five (5) years from the
end of the contractual relationship. The Service Provider will end this service at the end of the abovementioned
five- (5) year period.
The Service Provider may place conditions on entering into this Contract by the Account Holder providing
certifications and information in order to validate their status in regard to these agreements.
4. Opening an Account
4.1. Necessary and Prior Conditions for Opening an Account
Any legally capable physical person at least eighteen (18) years of age and any legal person, residing and/or
registered in a Member States of the European Union or in a State that is part of the European Economic
Area agreement or in a third-party country imposing equivalent obligations in terms of the fight against
money laundering and the financing of terrorism, may send a request to open an Account subject to the
physical person being referenced on the Site in the capacity of consumer or in the capacity of professional.
A legal person may only be referenced as a professional.
The Account Holder acknowledges from the time of issuing their registration request to the Platform and
during the entire term of the Framework Contract:
– that they are at least 18 (eighteen) years of age and legally capable or that they are legally formed
with the status of a company;
– that they are acting on their own behalf;
– that all the information provided upon their registration are true, exact and up-to-date.
4.2. Registration Procedure and Opening an Account
4.2.1. Information and Proof
Any interested party must provide to the Platform the information and documents listed hereinbelow, for
the Registration Form, in the event that this information and these documents are not already in possession
of the Platform.
The interested party undertakes to provide the information and documents corresponding to their status
either as a professional or as a consumer.
For the Account Holder, who is a physical person and consumer:
o their last name, first name, email address, date and place of birth, nationality and country
of residence.
o a copy of the Account Holder’s valid official identity document (e.g., identity card, driver’s
license, and for citizens of countries outside of the European Union, a passport).
For professional Account Holders:
– for physical persons:
o their last name, first name, email address, date of birth, nationality and country of residence.
o an original or a copy of the official registration extract dated within three months that
indicates registration as a retailer or in the national business registry or any other
professional organisation that the Account Holder is a member of.
o a copy of the Account Holder’s valid official identity document (e.g., identity card, driver’s
license, and for citizens of countries outside of the European Union, a passport).
– for legal persons:
o their business name, business form, capital, address of the registered office, description of
the activity, the identity of the business associates and officers, as well as the list of the
beneficial owners such as defined by regulation,
o a Kbis extract or equivalent document dated within three months proving their registration
at the Business and Companies Registry of a Member States of the European Union or a
State that is part of the European Economic Area agreement or a third-party country
imposing equivalent obligations in terms of the fight against money laundering and the
financing of terrorism and their bylaws. This document must include the business name,
legal form, address of the registered office and the identity of the business associates and
officers mentioned in Sections 1° and 2° of Article R.123-54 of the Code of Commerce or
their equivalent in foreign law.
o a copy of the bylaws and potential decisions specifically certified true legal copy from the
legal representative;
o a copy of the identity card or passport of the legal representative and, as the case may be,
the beneficial owner(s).
o The statement from the beneficial owners of the legal person holding more than 25% of
rights in the event that the interested party has not declared their beneficial owners in the
national registry, or if it is not subject to this obligation.
The Account Holder may also be requested to provide the bank details from an open account in the name
of the person mentioned in Sections 1° to 6° bis of Article L.561-2 of the Monetary and Financial Code in
a Member State of the European Union or a State that is part of the European Economic Area agreement or
a third-party country imposing equivalent obligations in terms of the fight against money laundering and
the financing of terrorism
It is expressly established that the Service Provider maintains the possibility of requesting before opening
an account and at any time during the term of the Framework Contract, additional documents related to the
Account Holder, the beneficial owners, or a specific Payment Operation.
4.2.2. Restriction of the Payment Account
By the Service Provider’s free assessment, use of a Payment Account may be restricted without the Service
Provider having to justify their decision to the Account Holder in question. The functioning of the Payment
Account will specifically be restricted when the Account Holder has not provided all of the information and
documents required by the Service Provider, such as listed hereinabove. These restrictions are indicated to
the Account Holder of the Platform.
4.2.3. Finalisation of Registration
After entering into the Framework Contract, the Account Holder must provide all of the information and
proof that are requested by the Platform. By giving their consent to the terms of the Framework Contract,
the Account Holder accepts that the Platform will transfer to the Service Provider their request for
registration as an Account Holder and all the proof documents received by it.
The Service Provider alone has the power to accept the registration of an interested party as an Account
Holder for a Payment Account in their name. This acceptance will be indicated to the Account Holder by
the Platform by any means under the terms established on the Site.
The Service Provider, without motivation, or right to an indemnity in favour of the Account Holder, may
refuse a request to open an Account. This refusal will be indicated to the Account Holder by the Platform
by any means under the terms established on the Site.
5. Functioning of the Payment Account
The amounts credited to the Payment Account result from the funds transferred by Card (or by any other
Payment Method accepted by the Service Provider), or the receipt of a transfer. The amounts debited from
the Payment Account result: from executing a Payment Order to an account opened in the books of a Third-
Party Payment Service Provider, of the Service Provider withdrawing fees due by the Account Holder under
the Framework Contract or, a reversal of an operation by Card (or by any other Payment Method).
5.1. Acceptance of Payment Orders by Card for the Payment Account
Transactions for the Payment Account may be carried out by Card (or any other method accepted by the
Service Provider), once or on several occasions. When such an operation is requested, the User will be
identified on the Site by indicating their username (valid email address) and their password or via their
Facebook account. The funds transfer request will be indicated on the Payment Page dedicated for this
purpose. For all payments, the User may be requested to use a one-time code sent to their mobile telephone
to the institution that issued the Card. If this is the case, it is the Service Provider’s right to refuse any
payment following their free assessment without this decision giving rise to any indemnification. The funds
transfer operation is carried out by the institution that issued the Card. Any dispute for such a transfer must
be indicated to this institution. The Service Provider is not authorised to cancel such a transfer.
The Account Holder is informed that the Service Provider accepting a Payment Order by Card does not
guarantee the receipt of these funds by the Account Holder in their Account. The funds arriving in the
Payment Account of the Account Holder is based on the effective receipt by the Service Provider of the
funds collected less the fees agreed to under the Price Conditions.
If the funds are not received for technical reasons, the Service Provider will make their best efforts to settle
the operation. If the funds are not received for any other reason, the Service Provider will immediately
inform the Account Holder of their inability to credit their Account in the expected amount, and to contact
the User.
In the event that the transfer of funds to the Account of the Account Holder is cancelled by the institution
issuing the Card following the User disputing it, the Account Holder accepts that the Service Provider may
reverse any funds transfer operation by Card by debiting the Payment Account of the corresponding amount.
The Account Holder recognises that such dispute may be brought to the attention of the institution issuing
the Card up until a maximum time frame of thirteen (13) months following the date that the account was
debited related to said Card. In the absence of sufficient provisions in the Account to carry out such a
reversal, the Service Provider may suspend or cancel any Payment Operation initiated by the Account
Holder or a representative, or as the case may be, subrogate the rights of the Account Holder by carrying
out recovery procedures for the amount due by the User by any means.
5.2. Receipt of Transfer to the Payment Account
The Account Holder authorises the Service Provider to receive in their Payment Account SEPA transfer
operations in euros from a bank account or payment account open in the books of a Third-Party PSP.
The funds are credited to the Payment Account by the Service Provider as quickly as possible following
their effective receipt by the Service Provider.
After the funds are credited to the Account Holder’s Payment Account, the Service Provider will make
available a summary of the transfer operation received, including the following information: the reference
number of the payment operation, a reference number allowing identification of the payer, the amount of
the operation, the date of the credit value.
5.3. Execution of a Wire Transfer Operation Debited from the Payment AccountThe Account Holder may transfer orders for SEPA or international wire transfers to a Beneficiary’s accountheld by a Third-Party PSP.
When the Account Holder wishes to carry out a Transfer Operation, they will indicate their identification in their Personal Online Area by indicating their Identification Data and, if need be, by following a Strong Authentication procedure if indicated to them. They will indicate on the Payment Page: the amount of the Payment Operation, the currency, the Payment Account to be debited, the date the Order is to be placed and any other required information. In the absence of a date indicated, the Transfer Order will be deemed to be placed immediately. The Account Holder must also follow the Authentication Procedure (or follow the
Strong Authentication Procedure) indicated by the Service Provider.
The Account Holder may at any time issue a request to execute a Transfer Order to a Beneficiary designated by them that has a bank account or payment account from a Third-Party Payment Service Provider. The Account Holder must include the subject associated with each transfer by respecting the Authentication
Procedure (or Strong Authentication Procedure, if it be the case) indicated by the Service Provider
The Account Holder irrevocably consents to the Payment Order by clicking on the “validation” button (“Date of Receipt”). The receipt of the Payment Order is confirmed in the Account Holder’s Personal Online Area. No Order may be withdrawn by the Account Holder after the date upon which it is deemed to
irrevocably have been received, which is from the Date of Receipt.
Before issuing a Transfer Order, the Account Holder (or the Platform acting on their behalf) must ensure that they have a sufficient amount of credit available in their Account to cover the amount of the Payment Operation and the related fees as established in the Price Conditions. If necessary, they must credit their
Account before the Order is validly transferred to the Service Provider to carry it out.
It is expressly agreed that the Payment Orders are executed at the latest at the end of the Business Day
following the Date of Receipt of the Order by the Service Provider (and on the agreed-to execution date for
standing or timely transfers). Any Payment Order received after 4:00 p.m. by the Service Provider will be
deemed to have been received the following Business Day. If the Date of Receipt is not a Business Day, the
Payment Order will be deemed to have been received the following Business Day.
For each Transfer Operation, the Account Holder may request from the Service Provider to be provided
with a Hard Copy of the information related to the maximum execution time frame of this specific operation,
the fees that they owe and, if it be the case, the details regarding these fees.
The Service Provider may be required to refuse to execute a Transfer Order that is incomplete or erroneous.
The Account Holder must reissue the Order so that it is in proper conformity. Furthermore, the Service
Provider may block a Transfer Order in the event of serious doubt regarding fraudulent use of the Account,
unauthorised use of the Account, breach of security of the Account, in the event of a freeze issued by an
administrative authority or for any other reason.
In the event a Transfer Order is refused or blocked, the Service Provider will inform the Account Holder
thereof by any means. If possible, the Service Provider will indicate to the Account Holder the reasons for
this refusal or blockage, unless it is prohibited from doing so due to a pertinent provision of national law or
European Union law.
5.4. Reimbursement
The Account Holder may at any time transfer instructions to cancel a transfer of funds in order to reimburse
a User. The Account Holder will access the Site indicating their identifier and password. They will indicate,
in their Personal Online Area, the amount of the reimbursement, the currency, the User to be reimbursed
and any other required information.
The reimbursement operation is carried out by the Service Provider by crediting the Card used by the User
or by transfer using the original payment methods, within the limit of the available balance in the Account
and the rules for each network and SEPA rules within five (5) Business Days following the Service
Provider’s receipt of the request for reimbursement.
5.5. Specific Provisions for Services Initiating Payment and Information on Accounts Provided by
Third-Party PSP
When a Wire Transfer Order is consented to by a Third-Party PSP offering the services of initiating
payment, this consent is agreed to between the Account Holder and said Third-Party PSP under the
conditions agreed to between them. The Service Provider is not involved under these conditions and
may in no way be held responsible in the event of a dispute related to providing this service by the
Third-Party PSP following said conditions.
The Account Holder may not revoke a payment order after giving their consent that the Third-Party PSP
providing the service of initiating payment initiates the Payment Operation.
If an unauthorised, unexecuted or improperly executed Payment Operation is initiated by the Third-Party
PSP providing the service of initiating payment, the Service Provider, at the latest at the end of the following
Business Day, shall immediately reimburse the Account Holder in the amount of the unauthorised,
unexecuted or improperly executed operation and, if it be the case, refund the Account debited so that it is
in the state that it would be in if the unauthorised or improperly executed Payment Operation had not taken
place. The date on which the Account Holder’s Payment Account is credited shall not be dated later than
the date upon which it was debited.
6. Reporting
The Account Holder, in their Personal Online Area, has a statement of the Payment Operations carried out
on the Payment Account available to them. They are asked to attentively acknowledge the list of these
operations. Operations statements may also, upon express request, be made available to the professional
Account Holder for other time frames.
It is specified that for each Transfer Operation carried out by the Service Provider, the Account Holder has
the following information available to them: the reference number of the Operation, the identification of the
Beneficiary, the amount of the Operation, the date the Order is received, and if it be the case, the fees related
to executing this Operation.
7. Access to the Payment Account and Confidentiality of Personalised Security Data
The Payment Account is accessible online in the Personal Online Area, by using the Identification Data and
in compliance with the requested Authentication Procedure (or Strong Authentication Procedure, depending
on the case).
The Account Holder must indicate the Identification Data of each Authorised Person. Each Authorised
Person accepts to not use the name or Identification Data of another person. The Account Holder alone is
responsible for the use of their identifier.
Each Authorised Person is fully responsible for maintaining the confidentiality of their Identification Data,
as well as any other Personalised Security Data potentially provided to the Service Provider or the Platform.
The Account Holder must take all reasonable measures to maintain the confidentiality and security of their
Personalised Security Data. They also undertake to educate the Authorised Persons regarding the
confidentiality and security of their own Personalised Security Data.
The Account Holder (and each Authorised Person) accepts to not communicate their Personalised Security
Data to third parties. By way of exception, the Account Holder may communicate to authorised Third-Party
PSP in a Member State of the European Union or in a State that is part of the European Economic Area
agreement for information services regarding the accounts and initiation of Payment Operation (such as
defined in Article 4 of European Directive 2015/2366, called “PSD2”). The Account Holder must ensure
that this Third-Party PSP is authorised for the above-mentioned services and that it accesses the Personalised
Security Data in a secured environment.
8. Objection Regarding Personalised Security Data
The Account Holder must inform the Platform of the loss or theft of their Personalised Security Data, of
any misuse or unauthorised use of their Personal Online Area or data relating to them as soon as they become
aware of this and request that it be blocked. This declaration must be carried out:
– by making a telephone call to the Platform Customer Service at the number indicated in the General
Conditions of the Site; or
– directly by electronic message through the contact form accessible on the Site.
The Service Provider, through the Platform, shall immediately execute the request for objection. The event
will be recorded and date/time stamped. An objection number with date/time stamp will be provided to the
Account Holder. Written confirmation of this objection will be sent by the Platform to the Account Holder
in question by electronic message. The Service Provider will take administrative responsibility of the file
and keep all proof relating to it for 18 (eighteen) months. Upon written request of the Account Holder and
before this time frame expires, the Service Provider will provide a copy of this objection.
Any request for objection must be confirmed immediately by the Account Holder in question, by a letter
signed by the latter, provided or sent by registered mail, or email, to the Service Provider at the postal
address indicated hereinabove or at the address indicated in the General Conditions of the Site.
The Service Provider will not be held responsible for the consequences of an objection sent by fax or email
that does not come from the Account Holder.
A request for objection is deemed to be made on the date and time of the effective receipt of the request by
the Platform. In the event Personalised Security Data is stolen or there is fraudulent use of the Personal
Online Area, the Service Provider is authorised to request from the Platform, a statement or copy of the
complaint of the Account Holder and undertakes to respond to it as quickly as possible.
9. Blocking a Payment Account and Refusing Access to a Payment Account
The Service Provider reserves the right to block the Payment Account for objectively motivated reasons
regarding the security of the Payment Account, the presumption of unauthorised or fraudulent use the
Payment Account or a significantly increased risk that the Account Holder is incapable of fulfilling their
obligation to pay the fees due under this Framework Contract.
The Account Holder is informed that the Service Provider may refuse access to the Payment Account by
Third-Party PSP providing the service of initiating payment or information on the accounts, for objectively
motivated or documented reasons related to unauthorised or fraudulent access to the Payment Account by
this Service Provider, including initiating an unauthorised or fraudulent payment operation.
In this event, the Account Holder will be informed in their Personal Online Area of the block or refusal of
access to the Payment Account and the reasons for this block or refusal. This information will be provided
to them, if possible, before the Payment Account is blocked or access is refused and at the latest immediately
after the block or refusal, unless providing this information is not communicable for reasons of objectively
motivated security or is prohibited under another provision of pertinent European Union or national law.
The Service Provider will unblock the Account or re-establish access to it when the reasons for the block or
refusal of access no longer exist. The Account Holder may request at any time that the Account be unblocked
by indicating this to the Platform Customer Service, the contact information of which is included in the
General Conditions of the Site. The Account Holder may be requested to create new Identification Data.
10. Contesting an Operation
10.1. Provisions Common to All Account Holders
For any claim relating to Payment Operations carried out by the Service Provider in the framework hereof,
the Account Holder is asked to address the Platform Customer Service at the address indicated for this
purpose in the General Conditions of the Site.
If an Order is executed by the Service Provider with errors attributed to this latter, this should be contested
as soon as possible to the Service Provider, the Order will then be cancelled and the Account returned to the
situation that it was in before receiving the Payment Order. Following that, the Order will be correctly
reissued.
The fees indicated in the Price Conditions may be due in the event an Operation is unjustifiably contested.
10.2. Provisions Applicable to Professional Account Holders
Professional Account Holders wishing to contest a Transfer Operation unauthorised by them or improperly
executed must contact the Platform Customer Service by telephone as soon as possible after they become
aware of the anomaly and at the latest within eight (8) weeks following the transaction of the operation, it
being their responsibility to contest it to the Service Provider as soon as possible. Unless there are good
reasons to suspect the Account Holder of fraud, the Service Provider will reimburse the Account Holder in
the amount of the Operation immediately following receiving the request to contest it, and in any case at the
latest at the end of the next Business Day. The Service Provider will return the Account to the state it was
in before the unauthorised Payment Operation took place
In the event of the loss or theft of Personalised Security Data, unauthorised Operations carried out before
they are contested are the Account Holder’s responsibility. Operations carried out after they are contested
are borne by the Service Provider unless in the event of fraud by the Account Holder.
10.3. Provisions Applicable to Consumer Account Holders
Consumer Account Holders wishing to contest a Transfer Operation unauthorised by them or improperly
executed must contact the Platform Customer Service by telephone as soon as possible after they become
aware of the anomaly and at the latest within thirteen (13) months following the date it is debited, it being
their responsibility to contest it to the Service Provider as soon as possible. Unless there are good reasons
to suspect the Account Holder of fraud, the Service Provider will reimburse the Account Holder in the
amount of the Operation immediately following receiving the request to contest it, and in any case at the
latest at the end of the next Business Day. The Service Provider will return the Account to the state it was
in before the unauthorised Payment Operation took place
In the event it is contested, responsibility for proof that the Operation was identified, duly recorded and
accounted for, and that it was not affected by technical or other deficiencies is the responsibility of the
Service Provider.
In the event of an unauthorised Payment Operation following the loss or theft of Personalised Security Data,
the Account Holder is responsible for the losses related to the use of Personalised Security Data before it is
contested, up to a threshold of fifty (50) euros. Operations carried out after they are contested are borne by
the Service Provider unless in the event of fraud by the Account Holder. However, the Account Holder is
not held responsible in the event:
– Of an unauthorised Payment Operation carried out without using Personalised Security Data;
– Of the loss or theft of Personalised Security Data that could not be detected by the Account Holder
before the payment was made;
– Of losses due to actions or failures of an employee, agent or subsidiary of a PSP or an entity to
which these activities were externalised.
The Account Holder is also not held responsible:
– if the unauthorised Payment Operation is carried out by diverting the Personalised Security Data,
without the Account Holder’s knowledge;
– in the event of counterfeiting the Personalised Security Data, if, at the time of the unauthorised
Payment Operation, the Account Holder is in possession of this Data.
The Account Holder will bear all the losses arising from unauthorised Operations if these losses result from
fraudulent activity by them or if they intentionally seriously neglected the obligations to keep their
Personalised Security Data secured and to contest operations in the event of loss, theft or diversion of their
Data.
Barring fraudulent activities on behalf of the Account Holder, the latter will not bear any financial
consequences if the unauthorised Operation was carried out without the Service Provider requiring Strong
Authentication of the Account Holder, in the event that regulations require it.
11. Financial Conditions
The services offered herein are invoiced by the Platform on behalf of the Service Provider in compliance
with the Price Conditions.
Any commissions due by the Account Holder are automatically deducted from the Payment Account by the
Service Provider. The Account Holder authorises the Service Provider to compensate at any time, even after
the Account is closed, any irrefutable credit, liquid and collectible that remains owed, of any nature
whatsoever. Funds in the Payment Account may be compensated for any amount due, collectible and unpaid
of the Account Holder to the Service Provider.
In the event of late payment of the amounts due and collectible of the Account Holder to the Service
Provider, the Account Holder will owe late-payment interests for the period from the date they are due until
payment is complete. The applicable interest rate will be calculated on the basis of two times the annual
legal interest rate published twice yearly for businesses. The amount of late-payment interest will be equal
to the product of the amount unpaid multiplied by the above-mentioned legal interest rate and the number
of days late over 365.
12. Term and Termination
The Framework Contract is entered into for an indeterminate period. It enters into force from the time it is
accepted by the Account Holder.
The latter may at any time and by respecting an advance notice of thirty (30) calendar days, terminate the
Framework Contract. The Service Provider may at any time terminate the Framework Contract, by
respecting an advance notice of two (2) months provided in Hard Copy format. In this case, the fees
irrefutably owed for the Payment Services are due by the Account Holder on a pro rata basis for the period
elapsed at the termination date.
Beyond six (6) months, the Framework Contract may be terminated without costs. In other cases,
termination costs may apply, in compliance with the Price Conditions.
For these purposes, each Party must notify the termination hereof to the other Party, by registered letter with
acknowledgment of receipt, to the postal and email address indicated in the General Conditions of the Site.
Consequently, the entire Framework Contract is terminated any Payment Account is closed. The credit in
the Account will be transferred in a time frame of thirteen (13) months to the Account Holder’s Bank
Account after deducting the fees due and payable to the Service Provider. If the credit in the Payment
Account surpasses the threshold indicated in the Price Conditions, the amount surpassing the threshold will
be transferred within thirty (30) days following the date the termination takes effect to the Account Holder’s
bank account after deducting the fees due and payable to the Service Provider. The Service Provided is
discharged of any obligation upon confirming to the Account Holder the transfer to the bank account
indicated.
In the event of serious breach, fraud, or lack of payment on the part of the Account Holder, the Service
Provider reserves the right to suspend or terminate this Contract by sending an email along with a registered
letter with acknowledgment of receipt without providing reasons or advance notice.
It is established that the Framework Contract will be automatically terminated in the event of new
circumstances that affect the ability of a Party to carry out the obligations of the Contract.
13. Modification of the Contract
The Service Provider reserves the right, at any time, to modify the Framework Contract. Any draft
modification of the Framework Contract is provided to the Account Holder via the Platform
Any Account Holder may refuse the proposed modifications and must notify their refusal to the Platform
Customer Service by registered letter with acknowledgment of receipt two (2) months before the proposed
modifications enter into force (post office stamp being proof thereof) to the address indicated in the General
Conditions of the Site.
Lacking notification of refusal before the indicated date that they enter into force, the Account Holder will
be deemed to have accepted the proposed modifications. The relationship between the Parties after the date
of entry into force will then be governed by the new version of the Framework Contract.
In the event the Account Holder refuses, this refusal will give rise, without fees, to the termination of the
Framework Contract, as well as the transfer of the balance of the Payment Account in a time frame of
thirteen (13) months following the date the termination takes effect in order to cover anything contested in
the future.
Any legislative or regulatory provisions that make modifications necessary to any part of the Framework
Contract will be applicable from the date they enter into force, without advance notice. However, the
Account Holder will be informed thereof.
14. Security
The Service Provider undertakes to ensure that the services are provided with respect to the applicable laws
and regulations and best practices. Specifically, the Service Provider shall do what is necessary to ensure
the security and confidentiality of the Account Holder’s data, in compliance with the regulation in force.
The Service Provider reserves the right to temporarily suspend access to the online Account for technical,
security or maintenance reasons without these operations invoking any right to an indemnity of any kind. It
undertakes to limit these types of interruptions to those that are strictly necessary.
However, the Service Provider shall not be held responsible to the Account Holder for potential errors,
omissions, interruptions or delays of operations carried out via the Site that result from unauthorised access
by the latter. The Service Provider shall not be held responsible for the theft, destruction or unauthorised
disclosure of data that results from unauthorised access to the Site. Furthermore, the Service Provider
remains outside of the scope of the legal relationship between the Account Holder and a User or between
the Account Holder and the Site. The Service Provider will not be held responsible for defaults, breaches or
negligence between a User and an Account Holder, or the Site and an Account Holder.
If the unique identifier or any other information necessary to carry out a Payment Operation provided by
the Account Holder is inexact, the Service Provider cannot be held responsible for the improper execution
of said Service.
The Platform alone is responsible for the security and confidentiality of the data exchanged in the framework
of using the Site in compliance with the General Conditions of the Site, the Service Provider being
responsible for the security and confidentiality of the data that it exchanges with the Account Holder in the
framework hereof for creating and managing their Account, as well as Payment Operations related to the
Account.
15. Limits to the Service Provider’s Liability
The Service Provider is in no way involved in the legal and commercial relationships and potential disputes
arising between the Account Holder and the User or between the Account Holder and the Platform or
between the Account Holder and a Beneficiary. The Service Provider exercises no oversight over the
conformity, security, legality, characteristics and the appropriate character of the products and services
subject to a Payment Operation.
Every operation carried out by the Account Holder gives rise to a contract created directly between
themselves and a User who is a stranger to the Service Provider. Consequently, the latter cannot be held
responsible for the non-performance or improper performance of the obligations arising from it, or any
potential damages caused to the Account Holder.
Notwithstanding any contrary provision in this Contract, the Service Provider’s liability in terms of an
Account Holder is limited to reparations for direct damages as established by regulation.
16. The Account Holder’s Commitments
The Account Holder acknowledges that elements in their Personal Online Area do not infringe on the rights
of a third party and are not contrary to the law, public order, or proper ethics.
They undertake:
(i) To not perform the Framework Contract in an illegal manner or under conditions that may
damage, deactivate, overload or alter the site;
(ii) To not usurp the identity of another person or entity, falsify or divulge their identity, their age
or create a false identity;
(iii) To not divulge data or personal information related to a third party, such as postal addresses,
telephone numbers, email addresses, bank card numbers, etc. In the event of a breach of these
obligations, the Service Provider may take all appropriate measures in order to bring an end to
these actions. It also has the right to suspend, erase and/or block the Account Holder’s access
to their Account.
(iv) Without prejudice to legal actions undertaken by third parties, the Service Provider has the right
to personally bring any legal action that seeks to repair the damages that it has personally been
subject to due to the Account Holder’s breach of their obligations under this Contract.
If the Account Holder is aware of a breach of the above-mentioned obligations, they are asked to inform the
Service Provider of these actions by contacting it at the address: legal@mangopay.com.
17. Withdrawal Right
17.1. Provisions Common to All Account Holders
The Account Holder having been initiated under the meaning of Articles L.341-1 et seq. of the Monetary
and Financial Code has a time frame of 14 (fourteen) calendar days to exercise their right of withdrawal, as
the case may be subject to responding to the conditions of Article D341-1 of this Code, without having to
justify the reason or bear the penalty. This time frame for withdrawal begins from the day of their registration
as an Account Holder.
17.2. Provisions Applicable to Consumer Account Holders
Under Article L222-7 of the Consumer Code, the consumer Account Holder has a right of withdrawal that
may be exercised in a time frame of 14 (fourteen) days without having to justify the reason or bear the
penalty. This withdrawal time frame begins either from the day of entering into the Framework Contract, or
from the receipt of the contractual conditions and information, if this date is after that of the date the
Framework Contract is entered into. The Framework Contract may only be put into effect before the
withdrawal deadline has expired upon the approval of the consumer Account Holder. The consumer Account
Holder recognises that the use of Payment Services after entering into the Framework Contract constitutes
an express request on its part to begin performing the Framework Contract before the above-mentioned
deadline has expired. Exercising the right of withdrawal involves the Framework Contract coming to an
end, and in the event performance thereof has begun, takes the form of termination and does not bring into
question the services previously provided. In this event, the consumer Account Holder will only be
responsible for a payment proportional to the Services effectively provided.
17.3. Exercising the Withdrawal Right
The Account Holder must notify the Platform Customer Service of their withdrawal request within the
indicated time frame by telephone or by email and by sending confirmation to the address of the Platform
Customer Service. For this purpose, it may use the withdrawal slip made available to them by the
Platform.
18. Rules Regarding the Fight Against Money Laundering and the Financing of Terrorism
The Service Provider is subject to all of the Luxembourg regulations regarding the fight against money
laundering and the financing of terrorism.
Pursuant to the provisions of Luxembourg law, relating to financial organisations participating in the fight
against money laundering and the financing of terrorist activities, the Service Provider must obtain
information from all Account Holders regarding any operation or original business relationship, the subject
and the destination of the operation or the opening of the Account. Furthermore, it must carry out all due
diligence for identifying the Account Holder and, if it be the case, the beneficial owner of the Account
and/or the Payment Operations related to them.
The Account Holder recognises that the Service Provider may bring an end or postpone at any time the use
of Personalised Security Data, access to an Account or the execution of an Operation in the absence of
sufficient elements regarding their purpose or nature. They are informed that an operation carried out in the
framework hereof may be subject to exercising the right of communication to the national financial
intelligence unit.
The Account Holder, pursuant to regulations, may access all information thus communicated subject to this
right of access not jeopardising the purpose regarding the fight against money laundering and the financing
of terrorism if this data relates to the individual making the request.
No proceedings or civil liability action may be brought and no professional sanctions issued against the
Service Provider, their officers or agents if they have made declarations regarding suspicions in good faith
to their national authority.
19. Protection of Personal Data
The Service Provider collects and processes all Personal Data in compliance with the regulations in force
applicable to the protection of this Data.
The Personal Data required during registration is necessary in the framework of the services provided in
compliance herewith. If the obligatory Personal Data is not provided, the interested party may be refused
access to the services.
The Person in Question is informed that the Personal Data is specifically collected for the following
purposes: providing the services such as described herein; the fight against money laundering and the
financing of terrorism; managing requests for information and claims; carrying out statistics. This data
processing is specifically necessary for the performance of the Framework Contract as well as respecting
the legal obligations that the data processor is subject to. The Service Provider and the Platform act as joint
processors of this data.
The Personal Data shall not be transferred to any third party without the express consent of the Persons in
Question. However, the Person in Question is informed that the Personal Data is transferred to the Service
Provider’s subcontractors for the above-stated purposes. Said subcontractors only act on instructions from
the Service Provider and exclusively on behalf of the latter.
The Person in Question may access the list of subcontractors by sending their request to the Platform
Customer Service. They are informed that the Service Provider ensures that their subcontractors take all
necessary measures in order to maintain the security and confidentiality of the Personal Data. In the event
the Data is violated (loss, breach, destruction, etc.) involving increased risk to the Person in Question, the
latter will be informed thereof.
The Service Provider reserves the right to disclose Personal Data at the request of a legal authority to be in
compliance with any law or regulation in force, to protect or defend the rights of the Account Holder or the
Person in Question, if circumstances require it or to protect the security of the Service Provider, the Services
or the public.
Personal Data processed by the Service Provider in the framework of the services provided in compliance
herewith is kept for the period of time that is strictly necessary to attain the purposes mentioned hereinabove.
Barring legal and regulatory provisions to the contrary, the Data will not be kept beyond the effective date
of termination of the Contract. It is specifically indicated that the Personal Data relating to identification is
kept for a term of five years from the end of the contractual relationship, subject to applicable regulation in
terms of the fight against money laundering and the financing of terrorism.
The Persons in Question have the following rights pertaining to their Data, according to the conditions
established by regulations: the right of access, right of rectification, the right of objection, the right of
erasure, the right to restrict its processing and the right of portability. The Person in Question may at any
time exercise these rights by addressing the Platform Customer Service. The request must indicate their last
name, first name, identifier, and include a photocopy of an identity document bearing their signature.
A response will be sent to the Person in Question in a time frame of one (1) month following receipt of the
request. This deadline may be extended to two (2) months, given the complexity and the number of requests.
In this case, the Person in Question will be informed of this extension and the reasons for postponement
within a deadline of one (1) month from the receipt of the request.
The Person in Question will be informed if they have the right to file a claim with the competent authority
for any request related to their Personal Data.
If the Person in Question provides the request in electronic format, the response will be provided in
electronic format, unless they expressly request otherwise.
When the Personal Data relate to a Person in Question who is not a party to the Framework Contract has
been transferred by the Account Holder, the latter will be responsible for communicating to the Person in
Question the information of this Article.
Additional Information on the processing of Personal Data carried out in the framework hereof, the
time frame that it is kept and the rights of the Person in Question are available in the Service
Provider’s confidentiality policy (accessible at the site www.mangopay.com).
20. Professional Secrecy
The Service Provider is bound by professional secrecy. However, the secrecy may be lifted, in compliance
with the legislation in force, based on a legal, regulatory and prudential obligation, specifically at the request
of supervisory authorities, the tax or customs administration, as well as those of a criminal judge or in the
event of a legal request indicated to the Service Provider. Notwithstanding the foregoing, the User has the
right to release the Service Provider from professional secrecy by expressly indicating the authorities
receiving the confidential information that relates to the User.
It is specified that professional secrecy may be lifted by regulation benefiting companies providing the
Service Provider important operational tasks within the framework hereof.
21. Intellectual Property
The Service Provider retains all intellectual property rights that pertain to them for the Services offered to
the Account Holder. None of these intellectual property rights will be transferred to the Account Holder
under this Contract.
22. Death of the Account Holder and Inactive Accounts
22.1. Death of the Account Holder
The death of the Account Holder will bring an end to the Framework Contract, once this is made aware to
the Service Provider. Operations occurring from the time of death, except with the agreement of the
individual who has rights or the attorney in charge of the estate, will be considered not having been
authorised.
The Payment Account will remain open for the time necessary to settle the estate and the Service Provider
will ensure the transfer of the balance upon the agreement of the individual who has rights or the attorney
in charge of the estate.
22.2. Inactive Accounts
Any inactive Account may be the subject to an inactivity notification by email on behalf of the Service
Provider followed by a follow-up notification one month later. An Account Holder’s Payment Account is
considered inactive if, at the end of a period of twelve (12) months, there have been no operations (with the
exception of management fees being taken out) at the initiative of the Account Holder (or any representative)
and that has not been specifically indicated to the Service Provider in any form whatsoever.
In the absence of a response or use of the balance of the credit of the Account in this time frame, the Service
Provider may close the Account and maintain it for the sole purposes of carrying out a transfer of the amount
due on the account as indicated by the Account Holder. In the event of death, the balance may only be
transferred to the individual holding the Account Holder’s rights.
The Account may no longer carry out Payment Operations.
23. Force Majeure
The Parties shall not be held responsible, or considered as being in breach hereof, in the event of a delay or
non-performance, when the cause of which is related to an event of force majeure as defined by Article 1218
of the Civil Code.
24. Independence of the Contractual Stipulations
If one of the stipulations hereof is nullified or not applicable, it shall be deemed not having been written and
it shall not lead to nullification of the other stipulations.
If one or more stipulations hereof becomes invalid or is declared as such pursuant to a law, regulation or
following a definitive decision handed down by a competent jurisdiction, the other stipulations retain their
force of obligation and their scope. The stipulations declared null and void will then be replaced by
stipulations that are as close as possible to the meaning and the scope of the stipulations initially agreed to.
25. Protection of Funds
The Account Holder’s funds shall be deposited, at the end of the Business Day following the day that they
were received by the Service Provider, in a holding account open on the books of a Bank under the
conditions required by regulations.
Under the terms of Article 24-10 (5) of the Law of 20 May 2011, published in Mémorial A n° 104 of 24
May 2011 of the Grand Duchy of Luxembourg and Article 14 of the Law of 10 November 2009 published
in Mémorial A n° 215 of 11 November 2009 of the Grand Duchy of Luxembourg, transposing the Directive
2009/110/EC of the European Parliament and the Council of 16 September 2009, concerning access to the
activity of electronic money institutions, the funds collected are protected and are not included in the pool
of assets of the electronic money institution in the event of liquidation, bankruptcy or any other competitive
situation that may arise for this latter.
26. Lack of Transferability
The Framework Contract may not be subject to a total or partial transfer by the Account Holder in return
for payment or free of charge. Thus, they are prohibited from transferring to any third party whatsoever the
rights or obligations that it holds hereunder. In the event of breach of this prohibition, in addition to the
immediate termination hereof, the Account Holder may be held responsible by the Service Provider.
27. Agreement in Relation to Proof
All data will be included in unalterable, true and secured form on the technology database of the Service
Provider specifically relative to Payment Orders and notifications sent, so as to constitute proof between the
Parties unless there is proof to the contrary.
28. Territorial Scope of Application
The provisions of Articles L133-1 et seq. and L314-1 et seq. of the Monetary and Financial Code apply
when the Service Provider and the provider of payment services of the payer or a beneficiary of a payment
operation debiting or crediting an Account are both located in the territory of mainland France, Guadalupe,
Guiana, Martinique, La Réunion, Mayotte, Saint-Martin or Saint-Barthélemy or another Member State of
the European Union or in a State that is part of the European Economic Area agreement, and the operation
of which is carried out in euros or in the currency of a Member States of the European Union that is not part
of the SEPA Area or another state that is part of the European Economic Area agreement.
The provisions of Articles L133-1 et seq. and L314-1 et seq. of the Monetary and Financial Code apply
(with the exception of those in Articles L. 133-11 to L. 133-13; L133-14, II and with the exception of the
time frames mentioned in Article L314-13, VI) when the Service Provider and the provider of payment
services of the payer or a beneficiary of a payment operation debiting or crediting an Account, one of which
is located in the territory of mainland France, Guadalupe, Guiana, Martinique, La Réunion, Mayotte, or
Saint-Martin, and the other in the territory of mainland France, Guadalupe, Guiana, Martinique, La Réunion,
Mayotte, or Saint-Martin or another Member State of the European Union or in a State that is part of the
European Economic Area agreement, and the operation of which is carried out in the currency of a State
that is not part of the SEPA Area or another state that is part of the European Economic Area agreement,
for the parties to the payment operation that is carried out in the European Union.
The provisions of Articles L133-1 et seq. and L314-1 et seq. of the Monetary and Financial Code apply
(with the exception of those in Articles L. 133-11, L133-13,I; L133-22; L133-25 to L133-25-2; L133-27,
and with the exception of the time frames mentioned in Article L314-13, VI) when only the Service Provider
or only the provider of payment services of the beneficiary or that of the payer is located in the territory of
mainland France, Guadalupe, Guiana, Martinique, La Réunion, Mayotte, or Saint-Martin, no matter the
currency in which the payment operation is carried out, for the parties to the payment operation that is
carried out in the European Union.
29. Claims and Mediation
The Account Holder is asked to address the Platform Customer Service, as indicated on the Site regarding
any claim.
Any claim other than that established in Article 10 relating to entering into, performing or terminating the
Framework Contract must be indicated by email to the following address: legal@mangopay.com.
The Account Holder accepts that the Service Provider will respond to their claims on Hard Copy format.
The response will be issued as quickly as possible and at the latest within a time frame of fifteen (15)
Business Days following the receipt of the claim by the Service Provider. However, for reasons outside of
its control, the Service Provider may not be able to respond in this time frame of fifteen (15) days.
In this event, it will provide the Account Holder with the response specifying the reasons for this additional
time period as well as the date on which it will send the definitive response. In any case, the Account Holder
shall receive a definitive response at the latest in a time frame of thirty-five (35) Business Days following
the receipt of the claim.
The Account Holder is informed that the CSSF (Commission de Surveillance du Secteur financier)
[Oversight Commission of the Financial Sector] is competent to settle disputes on an extrajudicial basis
related to the performance of this Framework Contract. For more information on the CSSF and the
conditions of such recourse, you may address the Platform Customer Service or consult the website of the
CSSF (http://www.cssf.lu). Mediation requests must be addressed to the Mediator of the Commission de
Surveillance du Secteur Financier (CSSF), 283 route d’Arlon, L-1150 Luxembourg, (direction@cssf.lu) and
this, without prejudice to other legal actions. However, the mediator may not be approached if the request
is manifestly unfounded or abusive, if the dispute has previously been settled or is in the process of being
settled by another mediator or by a court, if the request to the mediator is provided within a time frame of
longer than one year from the time of the written claim to the professional, or if the dispute does not fall
within the mediator’s scope of competence.
30. Language – Applicable Law and Competent Jurisdiction
With the exception of applying a law related to public order (which only applies in the strict limits of its
purpose), is expressly stipulated that English is the language chosen and used by the Parties in their precontractual
and contractual relationships and that the Framework Contract is subject to French law. Any
dispute between the Parties regarding the latter shall be submitted to the jurisdiction of the competent French
courts.