1. PREAMBULE
1.1. This document (hereinafter — the Terms and Conditions) contains the principal provisions pertaining to the operation of the GGC - Technology Company Limited system and the provision of Services through the System.
1.2. The Terms and Conditions define the principles and conditions on which the Administrator – GGC - Technology Company Limited, registered in the public register of legal entities of Dominica under license AA006232, with registered office at 3 Kennedy Ave, office 228, Roseau, Dominica – provides Customers with access to the Services, charging Fees as per the agreed Rates, and the Customer shall use the System and Services in accordance with these Terms and Conditions and the Internal Policies.
1.3. These Terms and Conditions are the Administrator’s official public offer intended for eligible parties regarding the opportunity to use the System and its Services.
1.4. The Administrator may provide the Services and communicate with Customers through any channels, including without limitation: the Website, Telegram Bots, API integrations, partner or third-party websites/interfaces, customer support channels, and offline methods (where applicable). Any such channels form part of the “System” and/or “Services” within the meaning of these Terms and Conditions unless expressly stated otherwise.
1.5. Pertaining to any and all matters not provided for in the Terms and Conditions, the Administrator may regulate such matters on the basis of its Internal Policies, providing information regarding such Internal Policies on the Website and/or through other channels. Acceptance of these Terms and Conditions means Customer’s consent with all provisions of both the Terms and Conditions and Internal Policies.
1.6. The content of the Website and any related materials are provided on an “as is” basis for information purposes only. The Administrator shall not make any guarantees, representations or warranties, both express or implied, that the content is accurate, up-to-date, or complete and/or can be used as a basis for any action or inaction.
1.7. Unless the context otherwise demands, words importing any gender shall be interpreted to mean any or all genders.
2. DEFINITIONS OF TERMS
2.1. Account shall mean the virtual profile of a Customer in the System registered in accordance with these Terms and Conditions and Internal Policies. Unless otherwise specified, the Account shall mean Personal Account.
2.2. Administrator’s Contact Details shall mean the following addresses from the Administrator's side:
• for communication by mail: 3 Kennedy Ave, office 228, Roseau, Dominica;
• for communication via email: legal@gogocard.me
2.3. Applicant shall mean either an individual willing to create an Account and submitting the registration application via the System.
2.4. The authorization details is a combination of a login and password in the Telegram (social network) with authentication by ID.
2.5. Authorization means the process of authenticating a user using a login and password in the Telegram (social network) with authentication by ID.
2.6. Chargeback shall mean the procedure of cancelling a bank card payment initiated by the cardholder through their bank.
2.7. Contact Details shall mean email address and mobile number entered by a Customer into the System.
2.8. Customer shall mean an individual being an Account holder, who has completed the Registration and has a right to use the System in accordance with the Terms and Conditions and Internal Policies.
2.9. Dormant Account shall mean the Account in which the Customer has not logged in for three months or more.
2.10. Fees shall mean remuneration charged by the Administrator for the System Services provided to a Customer.
2.11. Funds shall mean electronic money that is owned by the service and accounted for as funds in this Customer’s Wallet.
2.12. Internal Policies shall mean the Administrator’s internal documents that govern operation of the System, including the AML Policy and Personal Data Protection Policy published on the Website.
2.13. Parties shall mean the Administrator and a Customer.
2.14. Payment Order shall mean an instruction requesting the execution of a Transaction given by a Customer in an electronic form through the System.
2.15. Payment shall mean Funds accounted for as funds in a Wallet and transferred from a Customer to a third party.
2.16. Personal Account shall mean the Account created by an individual.
2.17. Channels shall mean any means by which the Administrator provides access to the System and/or Services, including without limitation the Website, Telegram bots, third-party websites/interfaces, API, customer support channels, and offline methods (where applicable).
2.18. United States Person (US Person) shall mean any person who is a citizen of the United States, a lawful permanent resident (Green Card holder), a U.S. tax resident, and any entity incorporated/registered/organized in the United States or controlled by such persons.
2.19. Restricted Person shall mean any person who is prohibited from using the Services under these Terms and Conditions, the Internal Policies (including AML & KYC Policy), or applicable sanctions/AML/CFT requirements.
3. GENERAL PROVISIONS
3.1. To become a Customer and use the System Services, an Applicant has to create the Account in accordance with the procedures stated in Section 4.
3.2. The Customer has a right to receive the information about the System Services provided by the Administrator, about these Terms and Conditions and Internal Policies, to obtain access to the System Services in accordance with a Customer’s Status and any other restrictions described by the present Terms and Conditions and the Internal Policies.
3.3. The Customer may receive technical and informational support in relation to the use of the System Services.
3.4. The Services are not offered to and may not be used by United States Persons. The Administrator applies reasonable measures to prevent access by such persons and may refuse service, suspend, or terminate any Account if a Customer is identified or reasonably suspected to be a United States Person.
4. REGISTRATION, VERIFICATION AND ACCEPTING TERMS AND CONDITIONS
4.1. The Applicant willing to create the Account shall complete the Registration: to fill out the registration forms on the Website, to provide the registration details and to accept these Terms and Conditions by clicking the “Open account” button.
4.2. Once the Applicant accepts these Terms and Conditions, it shall be deemed a bilateral agreement of the Parties.
4.3. During the Registration the Applicant shall provide the following registration details to the Administrator:
• Name;
• Surname;
• Email address;
• Phone number;
• Nickname in the Telegram;
• Residential address;
• Passport or ID.
4.4. By accepting the present Terms and Conditions, the Applicant declares that they act on their own behalf only and not on behalf of, or for the benefit of, any third party, and further represents and warrants that they are not a United States Person.
4.5. When undergoing the Verification in order to gain the full access to the System Services, available to the Verified Accounts, the Customer shall provide the following data to the Administrator:
4.5.1. An individual shall provide the Administrator with:
An image of a valid ID document issued by an authorized state body, containing a unique identification number and
• Customer’s photo;
• Liveness check;
• Proof of address;
• The Internal Policies may require the Customer to disclose information on the purpose of the Account creation, source of wealth, occupation and name of employer;
• To identify the Customer and manage fraud, the Administrator may demand that the Customer undergoes authentication with the use of videoconference, including the use of the third-party services.
4.6. If the data subject to clause 4.5.1. is not provided or proved to be unreliable, incomplete, outdated in full or in part, the Verification shall be deemed failed.
4.7. The Verification usually shall be performed within 24 hours after the Customer has provided the requested data. The Verification may exceed the period of 24 hours, in case the Administrator has a reasonable ground to perform the enhanced due diligence.
4.8. The Verification shall be deemed completed at the moment the Customer receives the confirmation from the Administrator via bot in Telegram. Once the Verification is completed, the Customer may use the full scope of the System Services available for the Verified Accounts.
4.9. The Customer shall notify the Administrator about any changes in the data provided for the Verification in a timely manner and provide up-to-date data as soon as reasonably possible.
4.10. The Administrator may ask the Customer at any time and at its discretion to confirm that the documents and data provided by the Customer are accurate, complete and up-to-date and/or to provide additional supporting documents and/or data, within 7 days.
4.11. If the Customer fails to provide requested documents and/or data within the period provided for by clause 4., the Administrator may:
• Cancel the Account;
• Cancel the Account Verification;
• Apply Suspension of Account.
4.12. If at any time the Administrator identifies or reasonably suspects that a Customer is a United States Person or otherwise a Restricted Person, the Administrator may refuse registration, fail Verification, cancel Verification, suspend the Account, terminate the Terms, and/or restrict access to the Services in accordance with these Terms and Conditions and the Internal Policies.
5. ACCOUNT
5.1. Once the Applicant completes the Registration, the Account is created, and the Applicant becomes a Customer.
5.2. The User’s Personal Account, along with all funds and cards associated with it, is the property of GoGoCard. All funds deposited into the Wallet or onto any GoGoCard Card become the property of GoGoCard and are provided to the User on a perpetual, interest-free loan basis for the purposes of using the System, in accordance with these Terms and Conditions.
5.3. Certain limits may be applicable to a Wallet in respect to deposit of Funds, payments and withdrawals of Funds, depending on the Customer’s Status, Type of Wallet, and other factors that the Administrator may take into account. These limitations are determined in accordance with these Terms and Conditions and are available at the Website.
5.4. The Customer may create a Personal Account. The description of special features of Personal Accounts is available on the Website.
5.5. To create the Account, an individual must be 14 years or older, acting in full capacity in accordance with his national laws. By creating the Personal Account, the Customer declares that he has reached the age of 14, the Administrator may demand that the Customer files a confirmation of his age at any time.
5.6. The Customer may not create or use an Account if the Customer is a United States Person or otherwise a Restricted Person under the AML & KYC Policy or other Internal Policies. The Administrator may request additional information and documentation at any time to confirm eligibility.
5.7. The Customer may create an Account only if this does not contradict to the provisions of the laws of the country of his permanent residence or Customer’s registration. By creating the Account, the Customer declares and guarantees to the Administrator that opening of such an Account by the Customer does not violate any laws or regulations applicable to the Customer. The Customer shall compensate the Administrator an amount of all losses incurred by the Administrator if the Customer violates provisions of this clause.
5.8. The information on a Customer’s Transactions with the Funds and use of his Wallet is recorded and kept by the Administrator for the duration of the effective term of these Terms and Conditions and for a period of 1 (one) month after these Terms and Conditions are terminated and the Account is closed.
5.9. By making the new Transaction resulting in the change of balance of Funds in the Wallet, the Customer confirms the Wallet balance.
5.10. Access to the Wallet and any Transactions involving the use of the Wallet are only available upon the Authorization.
5.11. The Customer is responsible for keeping the Authorization Details confidential. Any actions related to an Account performed with the use of the valid Authorization Details shall be considered to be as actions performed by the Customer.
5.12. In case the Customer loses the Authorization Details, the Customer shall contact the Customer Support and request to recover the access to his Wallet.
5.13. The Customer may close the Wallet at any time by contacting the Customer Service.
6. TRANSACTIONS
6.1. The Customer may initiate deposits, withdrawals, and other operations through the System using any available Channels (including, without limitation, the Website, Telegram bot, third-party interfaces, or other methods made available by the Administrator). Available methods may vary depending on the Customer’s location, status, risk profile, and applicable restrictions. Current options may be displayed via the Website and/or Telegram bot and/or other Channels.
6.2. Wallet deposit and withdrawal of Funds in ATM are the payment services provided by third parties; therefore, they are not a part of the System Services.
6.3. The deposit to and/or withdrawal of Funds in ATM from the Wallet is carried out in accordance with the procedure set forth in the Terms and Conditions, Internal Policies, policies of third parties that provide services, and applicable law.
6.4. The Administrator may restrict the range of the Wallet deposit and withdrawal methods for certain categories of Customers depending on the degree of risk of the activity and/or transactions of the Customer. Specific restrictions are available on the Website.
6.5. The Administrator sets limits for the Wallet deposit for security reasons.
6.6. Additional fees may be charged by third parties for the Wallet deposit or withdrawal in ATM, depending on the method of deposit or withdrawal.
6.7. A Transaction is carried out on the basis of a Customer’s Payment Order electronically with the use of the Wallet.
6.8. When the Administrator receives a Payment Order to transfer Funds from the Customer’s Wallet, the Administrator identifies the Customer using the Authorization Details. In some cases, the Administrator may demand that additional identification procedures be completed before a Payment Order is fulfilled.
6.9. The Administrator may send notifications to the Customer via email address/Telegram bot indicated by the Customer in the System on the Transactions executed with the use of the Account by default.
6.10. Withdrawal of funds by the Client is only available via ATM in accordance with the card limits, unless otherwise expressly permitted by the Administrator as per the Internal Policies.
6.11. To deposit the Wallet with the use of a bank card, the Administrator may request the Customer to undergo the verification procedure “Know Your Customer” in accordance with the AML Policy.
6.12. If the Customer successfully undergoes the Verification and the Funds are credited from the Customer’s bank card to the Wallet, the card transaction is non-refundable. If the Customer does not complete the identification procedure, the card transaction is refunded automatically.
6.13. The Customer shall be entitled to transfer the Funds between his Wallets within his Account or to the Wallets of other customers’ Accounts within the System (Wallets of the same type).
7. GoGoCard - CARDS
7.1. The GoGoCard Cards is optional and may be available in physical and virtual versions. The GoGoCard Cards is issued by a third party (“Issuer”), not by GoGoCard. In order to obtain the GoGoCard Cards, you may be asked to provide additional information in order for GoGoCard and the Issuer to prevent money laundering, fraud and other risks. You consent to GoGoCard obtaining and sending information concerning GoGoCard Cards to, from and among you, GoGoCard and the Issuer. All cards are issued strictly in the user's name, but the name is not embossed on the card in any form.
7.2. All GoGoCard Cards are provided on a rental basis. The Administrator reserves the right to suspend, cancel, or replace any card rental at its sole discretion, including but not limited to cases described in Section 15.
7.3. The Administrator's role with respect to the GoGoCard Cards is to serve as a conduit of information to, from and among Customer, the Issuer and Administrator. GoGoCard provides bank cards for rent for a fixed one-time fee. Transactions made with the GoGoCard Cards will be listed on the Account. Certain other information about GoGoCard Cards may also be available on the Account, including the GoGoCard Cards balance and the transaction history. All plastic cards must be activated by the user within 3 months of receipt.
7.4. As and when Customer uses GoGoCard Cards, Customer hereby authorizes Administrator to deduct the value of each such GoGoCard Cards transaction and any related fees or taxes, if any, from available USD balance.
7.5. Where the Account does not hold sufficient USD, the GoGoCard Cards transaction shall not go through. If, in a rare occurrence, the GoGoCard Cards transaction should go through when Customer does not have the sufficient USD balance, Customer hereby authorizes Administrator to purchase from Customer the amount of virtual currency that is equivalent to the USD value of the GoGoCard Cards transaction.
7.6. The virtual currency will be purchased from Customer at the then applicable price posted on the Account, to cover the cost of your GoGoCard Cards transaction, plus any related fees or any of Customer's liability hereunder. If Account lacks sufficient virtual currency to cover such a GoGoCard Cards transaction, Customer shall immediately settle the amount of the shortfall, plus any related fees or any of your liability hereunder, without demand or delay.
7.7. If Customer completes a GoGoCard Cards transaction in a foreign currency, Customer agrees that it will be charged a foreign transaction fee, as indicated in the Cardholder Agreement and/or the Website. All foreign currencies will be converted to USD.
7.8. Customer is liable for all transactions initiated using its GoGoCard Cards.
7.9. Without limitation, in the event that Administrator becomes liable to the Issuer for any transaction or other liability arising from or related to Customers GoGoCard Cards, Customer shall indemnify and hold Administrator harmless for such amounts.
7.10. If Customer loses GoGoCard Cards or have a reason to believe that someone has or may attempt to make an unauthorized transaction with GoGoCard Cards, Customer must IMMEDIATELY cancel its GoGoCard Cards by contacting legal@gogocard.me.
7.11. The cancellation, suspension or freezing of GoGoCard Cards may take time to come into effect and Customer shall remain liable for transactions occurring on its GoGoCard Cards during such time. If the GoGoCard Cards is cancelled, suspended or frozen for any reason, the values loaded to GoGoCard Cards will be available in Account less any liabilities Customer may have to Administrator or the Issuer.
7.12. In accordance with Clause 5.2, from the moment the User tops up their rented card, the funds become the property of GoGoCard and are provided to the User on a perpetual, interest-free loan.
7.13. The Customer may not use the GoGoCard Cards for any illegal purpose. Administrator reserves the right to instruct the Issuer to suspend transactions on GoGoCard Cards, cancel, suspend or freeze your GoGoCard Cards or otherwise limit the size or type of transactions available through the GoGoCard Cards.
8. RATES AND PROCEDURES FOR CHARGING FEES
8.1. The Administrator shall charge the Fees for the Services provided to the Customer.
8.2. The amount and procedures for charging the Fees are available on the Website in the “Rates” section.
8.3. The Administrator may unilaterally change the Fees rates. Such changes and amendments shall come into effect from the day that such changes and amendments are published on the Website.
8.4. All Fees are calculated in the currency of Transaction and rounded off to the nearest whole cents.
8.5. The System Services provided to the Customer by the Administrator are not subject to VAT or any other turnover taxes.
8.6. All the applicable Fees are charged from the Customer’s Wallet by the Administrator upon the completion of a Transaction subject to the Fees, or at the moment when the Administrator has substantiated grounds to charge the applicable Fees.
8.7. If the current balance on the Wallet is not sufficient to charge the applicable Fees, the Administrator may reject the Transaction and request the Customer to pay the applicable Fees.
9. PERSONAL DATA
9.1. The Privacy notice applicable to Applicants and Clients is available on this Website in another tab.
10. LIABILITY
10.1. In the event of failure to comply and/or improper fulfillment of the obligations under these Terms and Conditions, the Parties shall be responsible in accordance with the provisions of these Terms and Conditions, the Internal Policies, and the applicable laws.
10.2. If the Customer delays the fulfillment of any obligation in the monetary form as set forth in these Terms and Conditions, the Customer shall pay to the Administrator a penalty fine in the amount of 0.1% (one tenth of a percentage point) of the amount of such delayed funds to be transferred to the Administrator for every day of such delay. The Customer shall pay to the Administrator the penalty fine as specified in this clause of the Terms and Conditions within 3 (three) business days after the date the Customer receives a relevant request from the Administrator in writing or electronically. The Administrator has the right, but not the obligation to send a penalty fine payment request.
10.3. The Customer shall repay to the Administrator the damages incurred as a result of any damages charged from the Administrator due to the Customer’s violations of the applicable laws when using the System on condition that the Administrator can provide the relevant documents that confirm the amount of the damages incurred by the Administrator.
10.4. The Customer shall be responsible for all Transactions accounted for in the Wallet, including any Transactions with the use of bank payment cards. These Transactions shall also include the Transactions executed by the third parties that have access to the Customer’s Wallet.
10.5. The Customer shall take full responsibility to get acknowledged with the current legislation of the Customer’s residence, regulating the Account opening and money transfer Transactions via the System. The Administrator shall not be liable for any breach of the national laws by the Customer resulted by the use of the System. If a Customer’s use of the System and Services contradicts the laws of this Customer’s jurisdiction, such Customer should immediately stop using the Services.
10.6. The Customer shall take full responsibility for all the risks related to the use of the Internet during a Customer’s interaction with the Administrator, other Customers and third parties.
10.7. The Customer shall not undertake any activity that misleads other parties about services offered by the Administrator, which can directly or indirectly damage the Administrator’s reputation, including but not limited to impersonating themselves as representatives of the Administrator in any way or context, providing false data related to the System including but not limited to falsifying transaction IDs, wallet IDs and any other data, as text, screenshots, or any other media, creating clones of the Administrator’s website, and other similar activities. In case of violation the Administrator reserves the right to suspend the Customer’s Accounts, freeze funds for the period of investigation, and limit the usage of the System in other ways. The Administrator also reserves the right to pursue legal action in courts of applicable jurisdiction, including cases when this rule is violated by other parties that are not the Customers of the Administrator.
10.8. The Customer shall protect the Administrator’s interests, reimburse the Administrator’s losses and pay compensations to the Administrator as well as indemnify the Administrator and his affiliates against any claims or damages, costs or expenses (including expenses for legal support, penalties or forfeits) resulting from violation by the Customer of these Terms and Conditions or any applicable laws or regulations and (or) use of the System. This provision shall survive termination of relations between the Parties.
10.9. If, through the Customer’s fault, a completed Payment serves as a ground for a payer to file a claim to the Administrator for protection of his violated right, the Administrator may demand that the recipient of the Funds reimburses losses resulting from collection of funds or other property from the Administrator to the benefit of the payer.
11. DISCLAIMER
11.1. The Administrator shall have no responsibility to the Customer in the event of:
• The Customer transfers his data to any third parties, deliberate provision of access to his Wallet in the System, or any other violation of the confidentiality of a Customer’s information caused by the Customer’s fault;
• Illegal activities of any third parties, including those related to the use of the Customer’s registration data and a Customer’s email or the Authorization Details;
• Presence of any viruses or any other malicious software in the hardware and software used by the Customer to access the System;
• Any disputes pertaining to any transactions between the Customers made via the System;
• For violation of the current legislation by the Customer in relation to the use of the System as well as for the complaints pertaining to the Customer from tax, regulation, and law enforcement authorities regarding any reporting documentation or taxation in relation to the Customer’s transactions involving the System;
• If the Customer does not have access to software or hardware that ensure the use of the System;
• If the Customer cannot be reached by using the Contact Details filed thereby, particularly, due to the reason that the Customer filed unreliable data or fails to update such data in a timely manner;
• For any payment services provided to the Customer by third parties;
• For any actions taken by third parties whose websites the Customer visited following a link or information provided on the Website;
• For temporary inoperability of the System, malfunctioning and errors in the operation of hardware or software (including disconnection or damage of electricity supply and communication networks, software malfunctioning, interruption of mail services, Internet provider’s, payment system operations, disruption in other lines, channels and/or networks that are provided, offered or serviced by third parties, etc.), occurred not through the Administrator’s fault; in this case, the Administrator shall not bear responsibility for Customer’s possible losses.
11.2. In the event of the loss of the Authorization Details, the System’s locking a Wallet, a Customer’s loss of the Password, Suspension of Account, or other events that cannot be remedied without Verification, the Administrator shall have no responsibility if the access to the Account cannot be recovered because the Customer is lacking access to his email, mobile number.
11.3. The Administrator shall not be responsible for any damages and losses incurred by a Customer or by any third party as a result of:
• Suspension of Account in accordance with these Terms and Conditions or the requirements of the law;
• Failure to pass the Verification;
• Incorrect completion of Payment Orders to carry out the Transactions or completion by mistake;
• Violation by the Customer of the established procedure for making Payments;
• Administrator’s or third parties’ compliance with the legislative or regulative requirements;
• Failure to read the up-to-date version of the Terms and Conditions or the Internal Policies and other information published at the Website;
• Impossibility to use a desired payment method at the Customer’s location;
• Violation by the Customer of these Terms and Conditions or Internal Policies, as well as the Administrator’s instructions and guidelines.
11.4. In any event, the Administrator’s responsibility to a Customer shall always be limited to the amount that does not exceed the amount of the Fees charged to such Customer for a period of the previous 3 months.
11.5. The Administrator shall not be responsible for any indirect or consequential damages incurred by the Customer or any third parties, including any loss of profit, loss (forfeit, non-receipt, unsubstantiated spending) of revenue, income, contracts, customers, time, data, enterprise, or reputation.
11.6. The Administrator shall provide to the Customer Services “as is” as at the moment, without any express, implied or statutory representations or guarantees.
12. COMMUNICATION BETWEEN THE PARTIES
12.1. The Administrator shall use the Contact Details as means of communication with the Customer.
12.2. Communication between the Customer and the Administrator is carried out in English or Russian.
12.3. The Customer may contact the Administrator at any time using the Customer Support chat available on the Website, or by the email legal@gogocard.me.
12.4. The Administrator may inform the Customer on the changes in the Services provided either by sending the email notifications or by posting the updates on the Website or by Telegram bot.
12.5. The document flow between the Customer and Administrator shall be in electronic form via the Account. Moreover, the use of the Authorisation Details by the Customer shall be deemed by the Parties due and sufficient method of the Customer Authentication for the purposes of the document flow as well as for confirmation of authenticity and integrity of the provided electronic document, except for the cases provided for by the Terms and Conditions or the Internal Policies. Entering the Customer’s Authenticated Data shall be deemed by the Parties equal to the Customer’s handwritten signature.
13. SUSPENSION OF ACCOUNT
13.1. The Administrator, at its discretion, has a right to unilaterally and without a prior notification of the Customer apply Suspension of Account in the following events:
• Objectively justified reasons relating to the security of the Account;
• Suspicion of unauthorized or fraudulent use of the Account;
• The activities of the Customer are deemed suspicious or controversial to the Terms and Conditions, other agreements concluded between the Customer and the Administrator, Internal Policies or the requirements of current legislation;
• Requirement by a court order or command by a regulatory authority or by any applicable laws and regulations;
• The Account is subject to a governmental proceeding, criminal investigation or other pending litigation;
• the Customer fails to confirm that his documents and data are accurate, complete and up-to-date and/or provide additional documents or data upon request of the Administrator;
• the Customer created multiple Accounts;
• the Customer’s Account is Dormant Account;
• Actions of the Customer can harm reputation of the Administrator or might cause losses or other negative consequences to the Administrator.
13.2. If the Account holds a balance at the time of its suspension, the Customer shall withdraw the funds within a reasonable period of time deducting the applicable fees.
13.3. The Administrator shall lift the Suspension of Account as soon as practicable after the reasons for such suspension have ceased to exist.
13.4. Suspension of Account or termination of the Terms and Conditions does not exempt the Customer from the execution of all responsibilities to the Administrator which have arisen till the suspension.
13.5. Administrator shall not be liable to the Customer for Suspension of Account.
13.6. The Administrator shall reserve the right to keep and use the transaction data or other information related to such suspended Accounts.
14. TERMS AND TERMINATION
14.1. Indefinite Term. These Terms and Conditions are concluded for an indefinite term and shall be in effect until terminated in accordance with the provisions stated below.
14.2. The Customer is entitled to terminate relations, including concluded agreements with the Administrator by deleting the Account at his discretion at any time if the Customer does not have any unfulfilled obligations to the Administrator. The Account can be deleted in the relevant section of the Customer’s virtual profile.
14.3. After the Customer initiates deletion of the Account, the execution of the Transactions with the use of the Account shall be impossible. Any monetary obligations of the Parties created prior to the date of deletion of the Account shall retain until they are fully executed.
14.4. Administrator may unilaterally terminate these Terms and Conditions, sending the written notification to the Customer no later than two months in advance.
14.5. The Administrator shall have the right to terminate these Terms and Conditions and delete the Account without prior notification in the following events:
• In case the Customer objects to the amendments of the Terms and Conditions by the Customer the Terms and Conditions shall be terminated on the date the amendments enter into force;
• At the expiry of the period for three years from the date of the Suspension of Account.
14.6. In case any funds remain on the Account of the Customer with whom the Terms and Conditions are terminated, the Customer shall withdraw the remaining funds within a reasonable period of time deducting the applicable fees.
14.7. Should the Account be terminated (deleted), the account and transactional information that meet data retention standards will be securely stored for 1 (one) month in accordance with the requirements of the law.
15. UNCLAIMED FUNDS, INACTIVE ACCOUNTS AND CARDS
15.1. Any unclaimed funds will be held by the Administrator for a period of 3 months from the date of the Suspension of Account and/or termination of the Account and/or non-use of the Account, at the expiry of which time, the Customer will be deemed to have waived any claim in respect of such funds. The Customer hereby agrees that upon expiry of such period, the Administrator will be relieved of any further obligation to pay those unclaimed funds to the Customer.
15.2. In case a GoGoCard Card (virtual) remains unused (no card transactions performed) for more than three (3) consecutive months and the balance on the card is below 50 USD, the Administrator reserves the right to annul (cancel) such card. The User will be notified of the card inactivity and the potential annulment. From the moment of notification, the User will have fourteen (14) days to restore the card by either performing a transaction with the card or topping up the card balance to at least 50 USD.
If the card is not restored within the 14-day period, the card will be annulled. Any remaining funds on the card, if present, will be returned to the User's Wallet within the System. These funds may be used only for opening or topping up new cards. In all other cases and situations, the general policy regarding unclaimed funds as stated in Clause 15.1 shall apply.
16. AMENDMENTS
16.1. The Administrator may unilaterally amend these Terms and Conditions by publishing the updated text on the Website.
16.2. The Administrator shall notify the Customer on the upcoming amendments to these Terms and Conditions by posting an informational message inside the Client's Account no later than 2 (two) months before such amendments come into force. The Customer shall either accept or reject the amendments before the date of their proposed date of entry into force. The Customer shall notify the Administrator on objection to the amendments via contacting the Customer Support. In case the Customer objects to the amendments, the Terms and Conditions shall be terminated on the date the amendments enter into force.
16.3. The amendments come in force since the amended version of the Terms and Conditions is published on the Website or on the date the corresponding amended version enters into force if it is directly stated on the Website.
16.4. The use of the Services by the Customer shall be considered as the unconditional acceptance of the updated Terms and Conditions.
16.5. Any appendixes to the Terms and Conditions shall constitute the integral part of these Terms and Conditions.
17. FORCE MAJEURE
17.1. The Parties shall not be responsible for any delays in the performance or non-performance of the obligations, any expenses, including losses, and costs related to complaints by any third parties that may result from any due to any acts of God, acts of civil or military authorities, civil disturbances, strikes or other labour disputes, fires, transportation contingencies, interruptions in telecommunications, utility, Internet services or network Provider services, acts or omissions of a third party, infiltration or disruption of the services by a third party by any means, including without limitation, DDoS attacks, software viruses, Trojan horses, worms, time bombs or any other software program or technology designed to disrupt or delay the Services (each a “Force Majeure Event”). The Party experiencing the impact of any Force Majeure Event shall notify the other Party within 10 days after the commencement of such Force Majeure Event.
17.2. The provisions of clause 17.1. shall not limit or terminate the Customer’s obligations pertaining to making the returning Payments, as well as payment of any fines, penalties, fees, Commissions, returning any goods, or (not) performing any works or services after the Force Majeure is over.
18. MISCELLANEOUS
18.1. These Terms and Conditions and the relations between the Administrator and the Customer arising from them are governed by the laws of Dominica.
18.2. The Services are not directed to, offered to, or intended for United States Persons, and the Administrator does not knowingly solicit or accept Customers who are United States Persons.
18.3. All the disputes between the Parties arising from these Terms and Conditions shall be settled through negotiations. The basis for negotiations shall be either Party’s submitting a written complaint to the other Party. All Complaints and claims shall be reviewed within thirty days of their receipt.
18.4. In case a dispute cannot be resolved by negotiations within the specified period of time, either Party may apply to a court. The courts of Dominica shall have the jurisdiction to settle any dispute arising out of or in connection with these Terms and Conditions.
18.5. The choice of law and jurisdiction in the clause 18.3. does not affect the mandatory rights of the Customer under the laws of the country of his residence.
18.6. A Customer shall not transfer any rights or obligations under these Terms and Conditions to any third party without the prior written consent given by the Administrator.
18.7. If any provision of these Terms and Conditions is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall be enforced.
18.8. These Terms and Conditions enter into force since the Applicant clicks the “Open account” button during the Registration process or when making the first transaction or making a deposit.
18.9. The Customer acknowledges and confirms that all the provisions of the Terms and Conditions are clear, and that the Customer agrees with the Internal Policies available on the Website, accepts them unconditionally and shall comply with its provisions and requirements.
