Welcome to the Pago software application or on the website identified with URL address: www.pago.ro (the "Site"). Accessing the Pago App, the Pago-Samsung App (as they are defined below), this Site as well as using the services provided through the Site take place after informing you about the existence of the terms and conditions listed below (the „„Terms””) and, in case of accessing the Application, offering the possibility to expressly accept them. In the absence of this explicit or implicit acceptance from you, you may not use the Pago App and/or the Site.
These terms are meant to explain to you as clear and transparent as possible the way you may use the Pago App. As such, the document is subject to continuous modifications – we recommend you see this document with regularity, to be informed with regard to its latest updated version.
In this document, the words in capitals will have the following meanings:
2.1. The Company offers the User, based on the account created by the User, access to the Pago App whereby it may pay its invoices, contributions, taxes and may make other payments to the Agreed Suppliers.
2.2. The services provided through the Pago App are meant only for Users who accept these Terms and may be used only after accepting such terms. Insofar as it is necessary, according to the legal provisions or the requests of any authority, as well as based on suspicions of fraud or damage to its systems, the Company may ask any User to prove their legitimacy as a User, by asking them to supply additional information or documents. In this situation, the Company will not process any Personal Data contained in the offered additional information / documents but for proving the legitimacy of the User.
2.3. Through the Pago App and / or the Site, the Company offers the users access to the following services:
payment of invoices to the Agreed Suppliers, by using one of the following methods:
- by configuring an Agreed Supplier as per art. 2.4 f) below;
- by scanning a bill received from a utility provider, considering they are an Agreed Supplier, without the configuration mentioned above. This method is not applicable for other suppliers which are not on the list of Agreed Suppliers, with the exception of suppliers available to Users which have activated the Premium/Unlimited versions and who have previously used the options described in art 31.3. lit. d) and 3 1.4. lit. d) and in these cases such payments of bills from these suppliers will only be available to these Users.
2.4. In order for a User to benefit, in the best conditions, from the above-mentioned services, they must follow a certain set of steps:
2.5. Following the pursuit of the steps indicated above, the Company, by means of the Pago App, has access and processes certain information existing in the electronic accounts of the Users registered in the applications / sites belonging to the Agreed Suppliers. The access and the processing are made according to the provisions of the Policy, available here.
2.6. While using the Pago App, the User has the possibility to make at any time any of the following actions:
2.7. The User is liable for keeping safe the identification and connecting data afferent to the User’s account, to prevent or reduce the chances of the unauthorized access of the account created on the Pago Application. For more information regarding this aspect, please see the Policy, accessible here.
2.8. In the situation when, while using the Pago App, the User notices any elements which could indicate the inappropriate functioning of the Pago App, it may announce this fact to the Company by an e- mail sent at the address email@example.com or it may access the section “Say your opinion” from the Pago App.
2.9. The User is entirely liable for all the operations made through the Pago App. In exchange, the Company guarantees that it processes the data generated by the User within the Pago App, including the Personal Data, according to the provisions of the Policy, accessible here.
2.10. For the avoidance of any doubt, the Company is not liable for the accuracy of the information comprised in the PDF invoices available within the Pago App, belonging to the Agreed Suppliers, such as, without limiting to, the amount owed and its due date, the correct description of the consumption place or the holder of the agreement afferent to the consumption place. For any clarifications or discrepancies related to this information, the Company will direct the User to the Agreed Supplier issuing the invoice.
2.11. Insofar as the Personal Data offered by the User when filling in the registration form in the Pago App is false, inexact or incomplete, the Company, after ascertaining this fact directly or following an announcement, may cancel or suspend this account, totally or partially, or it may refuse to supply any or all services available within the Pago App, insofar as the respective Personal Data may not be rectified by the Company with the help of the User.
2.12. In any case, the Company does not process Personal Data which are not necessary for offering the services available in the App, for which it did not obtain the prior express consent of the User and in relation to which it has no legitimate interest or another reason for processing.
2.13. In the history of payments afferent to each Agreed Supplier, the User may consult the situation of all invoices paid during the past 6 months, it may find out the contact data of the customer support departments of the Agreed Suppliers or it may ask for the re-transmission of a payment confirmation of any invoice, insofar as that payment was previously made with the help of the Pago App. This re-transmission is made through the User’s e-mail.
2.14. The User can pay one invoice or several invoices at the same time, up to the maximum number of payments available monthly on the active subscription. Once the maximum number of invoice payments available is reached, when the user attempts another bill payment, the app will show a message informing that the limit has been reached and suggesting the possibility to activate a subscription, along with information about the features available and the price of each subscription.
2.141 In case the User has not added a bank card to his/her account by using the menu Settings – My cards, upon the initiation of the first payment, the User will be asked for data regarding its bank card which will be subsequently saved by the payments processor used by the Company, at the relevant time. The confirmation of making the payment is visually signaled in the Application and by a confirmation e-mail sent to the User.
2.142 The Company does not process, by any means, the bank card of any User besides for facilitating the access to such information by the payment processor. More details in this sense may be found in the Policy available here.
2.15. We use third products for processing the payments ("Payment processors") made from your account from the Application. Processing the payments may be subject to the confidentiality terms, conditions and policies of the Payment processors, in addition to these Terms.
2.16. We are not liable for any error which may occur in relation with the processing of such payment. You agree to make the payment by using that payment method selected when you instruct the making of such payment.
2.17. The Company does not guarantee a certain intinstitionserval of time which may elapse between any of the operating steps of the Pago App, as they are described in this section. The Company may not be held liable for the technical difficulties which might occur depending on the mobile device where the Pago App is running and the capacities of this device. The Company is interested in the Users’ feedback, as well as in signaling any issues regarding the functioning of the Pago App, which may be sent by e-mail to the address: firstname.lastname@example.org or by means of the section “Say your opinion” from the Pago App.
2.18. The services for obtaining the offers and contracting the RCA and medical insurance for travelling (travelling insurance) policies are offered according to the terms and conditions of such services, available here.
21.1. The Company offers the User, based on the prior account created by the User in the Pago App, access to the Pago-Samsung App whereby it may have access to only a part of the services offered by the Company in the Pago App, as these are described in this article.
21.2. The services provided through the Pago-Samsung App are meant only for Users who accept these Terms and may be used only after accepting such Terms. Insofar as it is necessary, according to the legal provisions or the requests of any authority, as well as based on suspicions of fraud or damage to its systems, the Company may ask any User to prove their legitimacy as a User, by asking them to supply additional information or documents.
21.3. In order to use the Pago-Samsung App, a User must follow a certain set of steps:
21.4. Through the Pago-Samsung App, the User will only have access to the payment of the invoices to the Agreed Suppliers configured in the Pago App on the mobile phone, as per art. 2.4 f) above. In order to be able to pay an invoice, the User needs to have a bank card added to the Pago App on the mobile phone, according to the provisions of art. 2.6. let. b) and 2.141 above.
21.5. While using the Pago-Samsung App, the User has the possibility to make at any time any of the following actions:
21.6. For the avoidance of doubt, all other services/functionalities offered by the Company, as indicated in art. 2 of the Terms (such as, without limitation, adding an Agreed Supplier, adding a bank card, changing the bank card data, changing the tariff plan, etc.) can only be accessed by the User within the Pago App on the mobile phone.
21.7. All other provisions of art. 2 above, relating to the use and functioning of the Pago App, shall apply also to the use and functioning of the Pago- Samsung App, insofar they are related to the services provided by this article and are not contrary to the provisions of this article.
21.8. Also, the effects of using services / functionalities offered by the Company through the Pago-Samsung App, will be reflected in the User’s account in the Pago App.
22.1. The Company offers Users, based on the prior User account created in the Pago App, as well as any other person who does not have a User account and only accesses the Site to use the Donate with Pago feature and to donate to a Non-Governmental Organization.
22.2. Within the Pago App, the User has at any time the possibility to make any of the following actions:
22.3. Also, within the Pago App, a User has at any time access to the following features:
22.4. Donations made by a User to a Non-Governmental Organization may consist of cash or Pago Points that are automatically converted into money. If the User donates money, the minimum amount to be donated is RON 5. In the case of donations higher than RON 2500, the processing of the trasaction shall be made manually and the donation will be sent to the Non-Governmental Organization only upon its acceptance. If the Non-Governmental Organization does not accept the donation, the Company will refund the amount of money to the User or user of the Site that made the donation.
22.5. Donations made by a User to a Non-Governmental Organization within the Pago App are not taken into account in calculating the number of monthly paid bills according to the User's subscription in accordance with section 31 bellow.
22.6. If a User activates a recurring donation to a Non-Governmental Organization, the respective User will receive the following benefit: he / she will be able to pay two more invoices per month for the number included in the selected subscription plan in accordance with section 31 bellow. This benefit will be active for each month in which at least one recurring donation has been made.
22.7. Donate with Pago feature is also available to Site users (irrespectively if they are or not Pago App Users and irrespectively if they have or not a User account created). A user of the Site may make a donation to a Non-Governmental Organization. The donation made in this way can only consist of a sum of money and is at least 5 RON. In order to make such a donation, the Site user will be asked for the details of his bank card which will be transmitted to the Payment Processor, the provisions of the Articles 2.142, 2.15 și 2.16 applying accordingly.
22.8. Once a donation has been made by a user of the Site, she/he will receive the donation confirmation by e-mail. This user will also receive a Pago Points number, in accordance with the Regulations available here. Pago points will be awarded only if the user does not already have a User account in the Pago App and only if the user creates a User account via the link sent to him.
22.9. When making a donation through the Pago App or through the Site, the money paid by the User or user of the Site will be transferred to the Company's bank accounts which will then transfer them to the Non-Governmental Organization account to which the amount of money was donated. To avoid any doubt, Non- Governmental Organizations empower the Company to receive donations on their behalf. As such, in this case, the Company acts only as a representantive (power of attorney) of Non- Governmental Organizations, and as such, in this position, the Company receives the money from Users or users of the Site. For clarity, the Company is not and does not act as a payment processor, as a bank or any other type of financial institution.
22.10. The User and the Site User understand and agree that in providing such feature, the Company is only an intermediary and is not a party to the donation agreement between the User or user of the Site and the Non- Governmental Organizations to whom they donate money or Pago Points.
22.11. For clarity, the Company is third party to this legal relationship (donation agreement) and we are not responsible at any time for any claim, damages, payment, deficiency, fine, judgment, debt, loss, cost or expense resulting from or related to the legal relationship between the User or user of the Site and the Non-Governmental Organization.
22.12. The Company does not guarantee or make any statements about Non-Governmental Organizations and their activities. The Company can not be held accountable for the way Non- Governmental Organizations use the donations received from Users or users of the Site. Any dispute over the use of donations by Nongovernmental Organizations or any other matter related to donations is settled directly and strictly between donors (Users or Site users) and donees (Non-Governmental Organizations).
23.1. The Company offers Users the possibility to use the Ghiseul.ro Section through which they can pay taxes due to state public institutions.
2.3.2. In order to use the Ghiseul.ro section, Users must follow these steps:
2.3.4. The taxes displayed in the Pago App are those indicated in the User’s account on Ghiseul.ro, the Company does not intervene in any way in changing the information.
2.3.5. The company is not responsible for any error, damage or prejudice which may arise in relation to taxes displayed in the Pago app as they are indicated in the User’s account on the Ghiseul.ro platform. Also, the Company is not responsible for any error, damage or prejudice which may result following the payment made on the Ghiseul.ro platform.
3.1. By using the Pago App and accepting the Terms, the User expressly authorizes the Company to access any of its Accounts from a Third Site, on behalf of the User, according to the provisions of the Policy, available here.
3.2. By using the Pago App, the User may automate, totally or partially, the payments it authorizes to the Agreed Suppliers. In order to optimize the use of the Pago App, so that the User may be certain that the payment amounts displayed in the Pago App are correct and complete, the Company periodically accesses and updates the information about the User available in the Accounts from Third Sites.
3.3 Besides the purpose specified at art. 4.2., the Company will not use for any other purpose the information about the User available in the Account of a Third Site.
3.4. The User understands that, insofar as the information about the User which is available in the Accounts of Third Sites are inconsistent, incomplete or inadequate, there is the possibility that the Pago App not to display correct, complete information regarding the invoices afferent to the Agreed Suppliers. For the avoidance of any doubt, The Company is not liable for any wrong result, insofar as this result is caused by the wrong information regarding the User found in the Accounts of Third Sites. The User is liable for the constant updating of the information available in the Accounts of Third Sites.
31.1. Using the Pago app can be free or by paying a Subscription fee, depending on the features which the user wishes to access.
31.2. In the Free version of the Pago app, a user:
31.3. In the Premium version of the Pago App, the user:
31.4. In the Limitless version of the Pago App, the user:
31.5. Depending on which subscription is chosen from those indicated in art. 3 1.2 - 31.4., a user may need to pay a Subscription fee, as follows:
31.51. The Subscription fee mentioned in art. 31.5 shall be reduced with 20% from the value mentioned in this article, as applicable, regardless of the version (Premium sau Limitless) or the payment interval (annually or monthly), if the following conditions are met by the User that intends to benefit from the reduced Subscription fee:
31.52. For avoidance of doubt, if a User wants to pay the reduced Subscription fee according to art. 31.51. above, for a monthly payment inverval, the User shall benefit from the reduced Subscription fee for twelve (12) consecutive calendar months from the date of the payment of the first reduced Subscription fee.
31.53. A user loses the right to pay a reduced Subscription fee if, at any moment during the first twelve (12) consecutive calendar months from the first payment of the reduced Subscription fee, performs any of the following actions:
31.54. Following the intervention of any of the situations described in art. 31.53. above, the User loses the right to pay a reduced Subscription fee as defined in art. 31.51. above.
31.55. The existence of a reduced Subscription fee, according to these terms and conditions, does not make the Company liable to offer a reduced Subscription fee in other cases, the Company being free to decide on this aspect.
31.56. Any reference to a Subscription fee in these terms and conditions shall be considered to include a reference to a reduced Subscription fee, unless otherwise stated.
31.57. The effective value of the reduced Subscription fee shall be published to the User in the App prior to its payment. The User understands and agrees that this value may be different for each User, and the Company has the exclusive right to decide on the effective value shown to each User.
31.6. In order to pay for the Subscription fee, the User will be prompted to insert the card payment details of the card to be used for the payment. The card can be changed at any time by the user, prior to this initial setup. Also, the user can use the Pago points accumulated in their Pago account in order to partially or fully pay for the Subscription fee.
31.61. Also, distinct from the insertion of the bank card payment details at the time of making the first payment, each User has the possibility to add and save a bank card to his/her account by accessing the menu Settings - My cards. If the User chooses to add a bank card by this way, the bank card will be charged with a non-refundable amount of RON 0.2, with the purpose of verifying the card and saving it to the User's account;
31.62. For the avoidance of doubt, the non-refundable amount of RON 0.2 is charged only if the User adds a bank card by accessing the menu Settings - My cards. This amount will not be charged if the bank card is inserted at the time of the first payment.
31.7. The Company reserves the right to change the Subscription fees indicated in art. 31.5. above, which will be applicable starting with the next payment. In such cases, the Company will inform Users in the App and using the email address inserted when creating the Pago account about the date when the new Subscription fees will be applicable. For the avoidance of any doubt, the new Subscription fees will not be applied to the active subscriptions as of the date when the new Subscription fees will be applicable.
31.8 In case of the Premium and Limitless versions of the App, after activation, Users will have a term of 15 (fifteen) calendar days during which they can cancel the activated subscription, regardless of the reason for such action. By cancelling within the given term, the User will not need to make any payment with regards to the Subscription fee to the Company. For the avoidance of any doubt, after the expiry of the cancellation term as described in this article, the Subscription fee will become due.
31.9 When activating the Premium of Limitless versions of the App, in case the User has not added a bank card to his/her account by using the menu Settings – My cards, the User will insert the card details to be used for paying the Subscription fee, as per art. 3 1.8 above. In case the Company is not able to debit the card introduced, at the expiration of the term indicated under art. 31.6. above, with the value of the Subscription for the version of the App chosen by the User, the Company will send a notification to the User on the email address used to create their account, in order to inform the User about the declined payment and will offer the possibility to add another card. If the User will not add another card within 24 hours from receiving this email, the Free version of the App will be activated automatically, until such time when the user will add another card which can be used by the Company to debit the Subscription amount.
31.10 Following the end of a subscription period which has been previously paid, a new Subscription which will be identical in duration to the previous one, will be activated and the Subscription fee for this new period will be debited automatically from the card introduced bu the User in the App. This operation will be repeated upon the expiration of each Subscription period until the user expresses their wish to use a different version of the App, in which case the terms and conditions of that version will be applicable, as described in this document for that respective version (Free, Premium, Limitless), starting with the end of the Subscription most recently paid by the user / debited from the card chosen for Subscription payments.
31.11 Deleting the account created in the App will also cancel the automatic debiting of the card added for subscription payments.
31.12 At any time while having one of the Subscriptions activated, a User can switch to a different version of the App. If the User has activated one of the versions for which a Subscription fee is needed (Premium or Freemium) and wishes to use the Free version of the App, this option will be recorded in the App and will be activated o the day following the expiration of the Subscription already paid by the User. For the avoidance of any doubt, the Company will not reimburse the User for part of the Subscription already paid, at the moment when the option to switch to the Free version of the App is expressed.
4.1. The authentication by digital fingerprint may be used on devices which have the authentication by digital fingerprint incorporated, minimum iPhone 5S with a minimum operation system iOS8 and on devices with Android operation system, minimum version 6.0. The company does not process by any means the details of the digital fingerprints stored in the Users’ devices, this serving only for activating algorithms from the Pago App which allows the identification of the User.
4.2. This type of authentication ensures the security degree allowed by the supplier to this authentication solution. More details about the authentication by digital fingerprint may be found:
4.3. The Company assumes no liability and makes no recommendations as regards the use of a certain type of authentication to the damage of the authentication system based on the PIN code, or vice versa.
4.4. The User is exclusively liable for the use of the authentication by digital fingerprint and the consequences of any unauthorized authentication using this type of authentication.
41.1 The Company will generate for every user of the Pago App a unique alphanumeric code (formed from numbers and letters), which will be associated only to that User and which that User can distribute to their contacts from their phone’s contact list. For the avoidance of any doubt, the User is not obliged to distribute this code, while the distribution of the unique code will not lead to activating features of the App which would be otherwise unavailable to that User, with the exception of those described in section 41.
41.2 The User can receive, in relation to their activity of distributing the unique code attached to their account in the Pago App, a number of Pago Points (in accordance with the Rules described here), as long as the User takes the following cumulative actions:
41.3 The unique code attached to the Pago account of every User is available in the Invite friend in Pago section and can be distributed to anyone and to an unlimited number of the User’s contacts. For new Users who have taken the actions described in art. 41.2 points (a) and (b), the User who distributed their unique code (which resulted in the App being installed by the new User), will be able to see, in the Invite your friends in Pago section, the fact that the new Users have not paid a bill, having the option to send them a notification.
5.1. The terms may be modified at any time by the Company. Each time we make modifications, the User will be notified in this sense when accessing the Pago App and will be asked for the express consent about accepting such Terms.
5.2. The Users may access, within the Pago App, the Terms in their latest version, at any moment.
6.1. The Company makes constant efforts for keeping the Application in function. Nevertheless, due to technical reasons or to some technical updates, it is possible that the Application does not function in certain moments. In these situations, the Company will communicate these aspects to the Users, when the Users access the Application.
6.2. Nevertheless, the Company does not assume the liability in any situation for any damage caused directly or indirectly or for any direct or indirect loss of profit, suffered following the use or interruption of using the services offered by the Pago App.
6.3. The payments made by means of the Pago App are processed according to the information from the notification displayed by the Application to the User, after making the payment. Each payment is registered with the date of the day when the payment was made by the User, irrespective of the date when the amount is collected by the recipient Agreed Supplier or by the Company (with regards to the Subscription fees). The Company will not be liable for any prejudice or damage which might occur due to the delayed payments made through the Pago Application or following the inappropriate functioning of the Pago Application, due to objective circumstances.
6.4 The Pago Application makes available for the Users answers to frequent questions which may result from using the Application. At the same time, the Users may contact the Company at any time during the use of the Application to send questions about any aspect from the Application. In this context, the Company is not liable for the possible prejudice caused by the inappropriate use of the Pago App.
The Terms as well as any contractual obligation deriving from or in relation with them will be construed according to the Romanian laws. The Romanian courts have the exclusive jurisdiction for settling any litigation related to the use of the Pago App and of these Terms.
The Pago App and the Site contain links to other websites, for whose content the Company is not liable. Accessing these websites is made according to the terms and conditions of each website. The Company is not liable for the content of these websites.
The Company is the titular of all the rights over the content of the Pago Application and of the Site (including, but not limited to images, texts, trademarks, logo, web graphic elements, scripts, applications and databases). It is forbidden the use of any elements of content regarding the Pago Application and/or the Site, without the prior written consent of the Company.