Terms of service and user agreement Glase®

The mobile payment solution Glase ® (previously named “SEQR”) is owned by the Sweden based Glase group (www.glase.se). Glase is provided to you by two separate entities within the Glase group: the Swedish company SEQR Group AB (“SEQR Group”) and the Swedish company SEQR Payments AB (“SEQR Payments”).

SEQR Payments provides payment services and e-money services (“Payment Services”). SEQR Group provides non-financial services related to SEQR (“Other Services”). Payment Services and Other Services are collectively referred to herein as “Our Services”.

In these terms of service for Glase (the “User Terms”) SEQR Group and SEQR Payments are collectively referred to as “we”, “our” and “us”. More information about Glase is available at www.seqr.com (the “Web Site”).

1. USER AGREEMENT

To be able to use Glase you must enter into this user agreement with SEQR Group and SEQR Payments (the “User Agreement”). The User Terms, which are an integral part of the User Agreement, are available at the Web Site.

You enter into this User Agreement by confirming in the Glase App that you have read and accepted the User Terms and that you are agreeing to enter into the User Agreement. If your mobile phone cannot install and run the mobile application for Glase (the “Glase App”) you (i) will not be able to enter into the User Agreement; and (ii) will not be able to use Our Services. We recommend that you always use the most recent version of the phone’s operating system as well as the most recent version of the Glase App.

Please read the User Agreement including the User Terms thoroughly before accepting them and entering into the agreement. If you do not agree to every provision of the User Terms and the User Agreement you may not access Glase or related services.

If you are under 18 years old we will only accept Transactions from or to your E-account. For more information about the E-account, please refer to section 4 below in these User Terms.

The User Agreement is available in the languages supported in the Glase App that you have downloaded. By selecting language in the Glase App you also select the applicable User Agreement language.

2. USER ACCOUNT

To be able to use Our Services you must register a user account with us (the “User Account”) through the Glase App.  The specific mobile phone that you use for the registration (the “Device”) will be associated with your User Account. During registration you must choose a PIN code (the “Authorisation PIN”) that will be used for authorisation of Glase mobile phone payments and money transfers (“Transactions”).

Through the Glase App you have access to your Transaction history. The Transaction history is stored and accessible up to 5 years.

You specifically agree that we may set different limits (such as limits related to spending or certain types of Transactions) for Transactions and your use of the Glase App.

You confirm that any information you provide us with is true, accurate and up-to-date and that you will let us know immediately if any information related to your User Account has changed.

3. PREPARING THE Glase APP FOR TRANSACTIONS

In order to be able to make Transactions you must do the following:

  • Download the Glase App to the Device;

  • Accept the User Terms and enter into the User Agreement in the Glase App; and

  • Link to the Glase App one or more sources of funds (each, a “Funding Account”) that will be used by you for making Transactions. A Funding Account may, for example, be a bank account (linked directly or through a SEPA direct debit mandate), a credit facility or an e-money account. If multiple Funding Accounts are available in the Glase App you can choose which Funding Account that you want us to debit for the Transactions that you initiate through the Glase App.

  • If you are under 18 years old the only kind of Funding Account you can use is the E-account (please refer to section 4 below in these User Terms).

4. E-MONEY ACCOUNT

We may decide to offer you access to an e-money account (the “E-Account”) which is a “prepaid account”. It is not a “credit, charge or debit account” and you will need to load money onto your E-Account in order to initiate Transactions with the E-Account as a Funding Account. We may apply certain limits to the E-Account such as minimum/maximum load amounts or maximum allowed balance.

You are entitled to redeem the funds in your E-Account at any time in whole or in part.  To do so, please contact our customer service, requesting redemption and indicating the amount to be redeemed. Such amounts requested by you will be transferred to the Funding Account (other than the E-Account) selected by you.

Due to legal restrictions we are not allowed to offer any interest on funds on your E-Account.

5. AUTHORISATION AND EXECUTION OF TRANSACTIONS

You must authorise all Transactions that you want us to perform. You authorise a Transaction by confirming in the Glase App the Transaction amount (as well as potential fees) and entering your Authorisation PIN. Authorization may, after activation in the Glase App, be made through fingerprint reading.

We may also decide to offer you the possibility to perform payments where near field communication (NFC) is used for making payments at physical point-of-sales (“Tap and Pay Payments”, “Blippa och betala”). To be able to perform Tap and Pay Payments you must actively enable Tap and Pay Payments in the Glase App. Tap and Pay Payments are made using personalized virtual payment cards provided by our financial partners and are subject to payment card network rules.

To initiate and authorise a Tap and Pay Payment you must place the Device close to the reader at the point of sale terminal. Depending on the transaction amount you may, as an additional step of the authorisation, be requested to enter a specific PIN (the “Tap and Pay PIN”), either in the reader at the point of sale terminal or in the Glase App.

By authorising a Transaction as set forth above you confirm and consent to debiting the selected Funding Account with the amount related to the Transaction. Subsequently, we will immediately or as soon as possible debit the Funding Account that you have selected for the Transaction. For Tap and Pay Payments we will debit the Funding Account that is enabled as your Funding Account at the time of our receipt of the confirmed Transaction amount.

Your authorisation of a Transaction means an irrevocable request, received by us at the time of the authorisation, to execute the Transaction. Please observe that your authorisation may include Transactions (i) where the final amount is determined after the authorisation; or (ii) which results in multiple debits of the Funding Account. The Transaction amount will under normal circumstances reach the recipient’s payment service provider no later than the following banking day.

You are responsible for all Transactions that are initiated and authorised (i) with your Authorisation PIN or the Tap and Pay PIN (collectively the “Authorisation Credentials”); or (ii) as a Tap and Pay Payment without Tap and Pay PIN (where such authorisations are accepted in the respective point-of-sale terminal). If you do not accept to be bound by authorisations of Tap and Pay Payments without Tap and Pay PIN you shall not enable Tap and Pay Payments functionality in the Glase App.

6. OUR RIGHT TO BLOCK OR REFUSE TRANSACTIONS

We may block or limit your access to Our Services and/or the User Account for justified reasons related to (i) the security of Our Services; (ii) suspected or confirmed unauthorised or fraudulent use of Our Services; (iii) use of Our Services in conflict with applicable law or the User Agreement; or (iv) a significantly increased risk that you may be unable to fulfil your liability to pay.

If we are entitled to block or limit access to the Payment Services as set forth above, we may also refuse to execute any Transaction initiated by you. We will notify you without undue delay of refusal and, if possible, the reasons for the refusal. We will not be under an obligation to notify you of this would compromise reasonable security measures or would be otherwise unlawful.

7. KEEPING YOUR USER ACCOUNT AND AUTHORISATION CREDENTIALS SECURE

You are responsible for keeping your Authorisation Credentials and other User Account related information in a safe manner and in a way that they remain inaccessible to unauthorised persons. The Authorisation Credentials and other User Account related information are personal and may not be transferred to or used by someone else than you. In accordance with the foregoing, you shall observe the following:

–       Never leave the Device or Authorisation Credentials at a publicly accessible place;

–       Do not keep the Authorisation Credentials with or in the phone or mobile device in any form or in any way;

–       Never leave the Device or Authorisation Credentials in a car;

–       Do not lend the Device to other people;

–       Do not disclose the Authorisation Credentials to other people;

–       Beware of people watching the screen or finger movements while entering the Authorisation Credentials.

8. LOSS NOTIFICATION

You shall as soon as possible notify us if there is reason to believe that someone unauthorised has gained access to or knowledge about the Authorisation PIN or other User Account related information, including loss, theft misappropriation or unauthorised use of the Device (“Loss Notification”). When your Loss Notification has been received by us we will block the payment functionalities provided through the Glase App so that further transactions will automatically be refused. The Loss Notification is considered to be received by us at the very moment you sufficiently specify the grounds for the notification (giving us necessary information about what to block).

If you fail to meet the requirements above (including, but not limited to, keeping your User Account and Authorisation Credentials secure) you will, without prejudice to legally binding limitations of liability, always be responsible for Transactions that take place due to use of your User Account by someone else other than you.

9. YOUR RESPONSIBILITIES FOR UNAUTHORISED TRANSACTIONS

If an unauthorised Transaction results from your failure to keep the Authorisation Credentials safe, including theft of the Device (“Authorisation Credential Loss”), you will bear the related losses up to a maximum of EUR 150. However, if an unauthorised Transaction results from an Authorisation Credential Loss which occur due to your gross negligence, , you will bear all the related losses up to a maximum of EUR 1500. Failure to (i) meet the requirements for keeping your User Account or Authorisation Credentials secure; or (ii) to immediately send a Loss Notification when necessary, will be considered gross negligence.

If an unauthorised Transaction incurs as a result of you acting fraudulently or intentionally failing to fulfil one or more of your obligations in accordance with the User Terms, you will bear all related losses without limitation.

Notwithstanding the above, you (not acting fraudulently) will not bear any financial consequences for Authorisation Credential Loss that leads to unauthorised Transactions that are initiated after a Loss Notification has been received by us.

Additional terms and conditions may apply to the use of specific Funding Accounts.

10. OUR RESPONSIBILITIES FOR OR UNAUTHORISED OR INCORRECT TRANSACTIONS

Unauthorised or incorrect Transactions will only be rectified by us if you notify us without undue delay on becoming aware of any unauthorised or incorrectly executed Transactions giving rise to a claim, and no later than 13 months after the date when we debited the Funding Account, unless, where applicable, we have failed to provide or make available the information about that Transaction in accordance with this User Agreement.

Where we are liable as described above, we will without undue delay refund to you the amount of the non-executed or defective Transaction and, where applicable, restore the debited Funding Account to the state in which it would have been had the defective Transaction not taken place.

In the case of a non-executed or defectively executed Transaction where the payment order is initiated by you, we will regardless of liability as described above, on request, make immediate efforts to trace the Transaction and notify you of the outcome.

In addition to the above we will be liable to you for any charges and interest you have to pay as a consequence of non-execution or defective execution of the Transaction.

11. REFUNDS OF UNAUTHORISED TRANSACTIONS

If you are not responsible for an unauthorised Transaction according to the User Agreement, we will refund the amount immediately and restore the Funding Account to the state it would have been in if the unauthorised Transaction had not taken place.

12. FEES

Except as stated below, we will not charge you any fees for the use of Our Services.

We may apply fees for international (cross-border) Transactions. Any fees applied will be presented to you in the Glase App before you authorise such Transaction. If you do not agree to the fees presented to you, you should not authorise the Transaction.

Fees for mobile data communication and similar services that are required for the use of Our Services may apply according to the terms and conditions that apply according to your mobile network operator agreement or similar. Any fees for using a Funding Account are charged according to the terms and conditions applied by the provider of the Funding Account.

Additional fees may apply to specific terms and conditions for Other Services.

13. CURRENCY EXCHANGE

For Transactions which includes currency exchange, you will be informed in the Glase-App about applicable exchange rates and the amount that will be debited for the Transaction. Such information will be made available to you before you authorise a Transaction. If you do not agree to the exchange rates presented to you, you should not authorise the Transaction.

For Tap and Pay Payments we apply Riksbanken’s currency exchange rates on the date of Transaction and a 2 % currency conversion surcharge. For non-listed currencies, we utlize Mastercard’s currency exchange rates plus surcharge. The amount debited your Funding Account are shown in your receipt.

14. INSUFFICIENT FUNDS OR CREDIT

You are responsible at all times to ensure that there are sufficient funds or credits available via your selected Funding Account to satisfy any Transaction authorised by you, both at the time of the authorisation of the Transaction and when it is presented for payment to your bank or financial institution (which may not occur for several banking days following the authorisation of the Transaction).

Nevertheless, if a Transaction exceeds the amount of available funds or credit of your selected Funding Account (i) you will be fully liable to us for the amount of the Transaction and any applicable fees incurred by us as a result of the insufficient funds or credit; and (ii) you authorise us to debit any of you Funding Accounts for such amounts that are due. You agree to pay all costs and expenses incurred by us in collecting unpaid indebtedness, except to the extent such costs, fees, or expenses are prohibited by applicable law.

15. PERSONAL DATA PROCESSING

Glase, SEQR Group and SEQR Payments process personal data about you as personal data controllers. When you register for and use Our Services, personal data are collected from you, merchants and providers of the Funding Accounts that you have chosen to link to the Glase App. You acknowledge that you have received and read in full the terms of our Privacy Policy incorporated into these General Terms of Service, which explains how and for what purposes we collect, use, retain, disclose and safeguard the information you provide to us.

Questions about privacy may be submitted to privacy@glase.se.

16. ACCESSIBILITY

Our Services will normally be accessible around-the-clock seven days a week. However, we do not guarantee that Our Services are free from errors or interruptions. We are entitled to make changes to operation methods, technical specifications etc. and are always entitled to close down Our Services for maintenance and similar activities. We always try to communicate any planned maintenance in advance, but cannot guarantee that such notification will always reach you.

The performance of Our Services is dependent on services provided by third parties (e.g. mobile network operators). We are not responsible for such services provided by third parties.

17. OUR LIABILITY

We are not responsible for a failure to perform an obligation under this User Agreement if such failure is due to a circumstance of the type stated below (each a “Relieving Circumstance”) and the Relieving Circumstance prevents or makes substantially more difficult the timely performance of such obligation. A Relieving Circumstance is a circumstance beyond our reasonable control and shall include acts or omissions of authorities, new or amended legislation, leaving of personnel, illness or other reduction of work capacity, death, conflicts on the labour market, blockade, fire, flood, loss or destruction of property or data of major significance or a major accident.

We are not liable for any loss or damage due to abuse or unauthorised use of Our Services, except to the extent caused directly by our breach of this User Agreement. We are not under any circumstances liable for indirect losses such as lost profits, goodwill, business, contracts, revenuer or anticipated savings or any loss or damage whatsoever which does not arise directly from our breach of this User Agreement.

18. CHANGES TO THE USER TERMS

This version of the User Terms shall apply from May 25, 2018  until further notice. You acknowledge and accept that we may change the User Terms from time to time. Changes that are required by law will enter into force at the time announced by us, without the need to notify you prior to the change coming into effect. Changes not required by law which refer to the Payment Services will enter into force at the time announced by us, however at the earliest two months from when information about the change has been notified to you. Changes not required by law which refer to the Other Services will enter into force at the time announced by us, however at the earliest two weeks from when information about the change has been notified to you.

If you do not accept a change of the User Terms notified according to the aforesaid you may at any time terminate the User Agreement. If you use Our Services when a notified change of the User Terms has entered into force you will be deemed to have accepted the change of the User Terms.

The latest User Terms are available at the Web Site. Upon your request we will send the effective User Terms to the at the e-mail address as communicated by you.

19. MESSAGES AND NOTICES

You understand and accept that we may send messages electronically to you. Messages from us will primarily be sent to the Device, but messages can also be sent in other ways.

20. ASSIGNMENT

You may not assign your rights and/or obligations under the User Agreement. We are entitled to assign our rights and/or obligations under the User Agreement to any legal entity within the Glase group.

21. YOUR WITHDRAWAL RIGHTS

You may cancel the User Agreement within 14 days from the day entering into the agreement by means of a notice sent to us. Regardless of the aforementioned withdrawal rights, you may at any time terminate the User Agreement according to the provisions below.

22. TERM AND TERMINATION

This User Agreement will remain in force until terminated in accordance with its terms.

You may at any time terminate the User Agreement by sending a notice to us at the email address set forth below. We may at any time terminate the User Agreement subject to a notice period of at least two months. Either party may terminate the User Agreement immediately if the other party commits a material breach of its obligations under the User Agreement or if the other party violates applicable law.

23. OTHER SERVICES

Other terms and conditions may apply for Other Services. Such terms and conditions will be subject to your separate approval and acceptance.

24. GOVERNING LAW

This User Agreement shall be governed by the laws in Sweden. Any dispute arising out of or in connection with the User Agreement shall be settled by the competent courts in Stockholm.

25. COMPANY AND CONTACT INFORMATION

SEQR Payments

SEQR Payments AB is a company registered in Sweden (registration No. 556876-5100) and provides payment and e-money services within the meaning of the European Payment Services Directive 2007/64/EC in Sweden and other countries in the EEA. SEQR Payments is under the supervision of the Swedish Financial Supervisory Authority (www.fi.se), institute No. 045024.

Address: SEQR Payments, Box 3312, 103 66 Stockholm, Sweden

Telephone (head office Sweden): +46 (0) 18 – 800 80 31

Telephone (customer service and Loss Notification): +46 (0) 18 – 800 80 31

Email: kundservice@glase.se

SEQR Group

SEQR Group AB is a company registered in Sweden (registration No. 559029-2602) and provides non-financial services related to Glase.

Address: SEQR Group, Box 3312, 103 66 Stockholm, Sweden

Telephone (customer service and Loss Notification): +46 (0) 18 – 800 80 31

Email: kundservice@glase.se.

Complaints to us

Complaints (e.g. reports of errors) must be made to us within reasonable time from when you notice or should have noticed the error. Failure to report errors according to the aforesaid may mean that your right to complain may be forfeit.

Other complaint and appeal proceedings

Complaints regarding the Payments, SEQR Payments or any other part of the payment services rendered, can always be sent to:

Swedish Consumers’ Banking and Finance Bureau (www.bankforsakring.konsumenternas.se) or the National Board for Consumer Disputes, ARN (www.arn.se)

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