1. These General Terms and Conditions for using DIGITAL WALLET Service govern the relations between Banka Credins sh.a. and the User (individual or legal entity) regarding the payment services provided through the mobile application, i.e.  Mobile Wallet (“the Wallet”) and its “DIGITAL WALLET ” function. These General Terms and Conditions shall constitute an integral part of the General Terms and Conditions of Banka Credins sh.a. and integral part of the respective debit and/or credit card agreement concluded by and between the User and the Bank for card usage.

2. Banka Credins sh.a. is a bank registered in Albania with the Decision of Tirana District Court No. 28969 dated 31/01/2003, having its headquarters at Vaso Pasha St. 8, Tirana, holding a license by the Bank of Albania No. 16, dated 31/03/2003. Contact e-mail: info@bankacredins.com. Website: https://www.bankacredins.com.

3. You are requested to read these Terms and Conditions carefully in their entirety before you decide to accept them and continue with the addition of your Card to DIGITAL WALLET . By adding or using a Card in DIGITAL WALLET  you agree to use your Card through DIGITAL WALLET  in accordance with these Terms and Conditions. If you do not agree to these Terms and Conditions, then you must not add your Card to, or use your Card in connection with DIGITAL WALLET . You consent to receiving these Terms and Conditions electronically. Use of DIGITAL WALLET is at your sole discretion and Banka Credins sh.a.is neither guaranteeing nor making any representation with respect to the products and services provided by the third parties and/or DIGITAL WALLET .

4. These Terms apply to the use of your eligible Credins Bank debit or credit card when you add it to, use, or keep it in a Digital Wallet. A Digital Wallet is an electronic payment system that allows you to make payments using a digitized version of your Card. Digital Wallets are operated by Digital Wallet Providers and are available on supported Devices. By agreeing to these Terms and Conditions, you represent that You are 18 years old or older and capable of entering into a legally binding agreement.

“Digital Wallet Provider”,the company providing the use of Wallet mobile application and the DIGITAL WALLET service.

 “Issuer Bank” refers to Banka Credins, the financial institution issuing the payment cards or accounts registered with DIGITAL WALLET .

“Mobile Wallet” (“Wallet” or “DIGITAL WALLET ” Mobile wallet or “Application”) – mobile application for mobile devices, allowing for registering bank cards issued by Banka Credins sh.a. through the DIGITAL WALLET  service. The cards registered in the application may be used for making contactless payments and withdrawals (via the NFC function of the mobile device) with mobile devices. The Bank allows the use of the mobile application after the user accepts these General Terms and Conditions and completes the required registration;

“DIGITAL WALLET “/Mobile wallet – the Mobile Wallet service that allows for the registration of bank debit/credit cards and using them for making payments;

 “Card Account” refers to the bank account or credit/debit card issued by Banka Credins and linked to DIGITAL WALLET ;

“Token” – card number (other than the original card number) accessible through the Mobile Wallet;

“Transaction” refers to any payment or money transfer made using DIGITAL WALLET .

“Registered Card” (“Digitalized Card”) – debit or credit card issued by Banka Credins sh.a., bearing the logo of a card organization which is registered for use in the application and serves for making contactless payments / internet payments / withdrawals using a mobile device, as well as for other operations that are accessible through the Mobile Wallet and offered by the bank. The registered card provides access to the Customer’s funds.

“Mobile Device” – “Mobile Telephone” / “Smart Device” – (smartphone, smartwatch, etc.

“User” or “Customer”/Cardholder” – an individual or legal entity holding a debit or credit card issued by Banka Credins sh.a., who has installed the Mobile Wallet on a mobile device, has accepted these Terms and Conditions and has completed the registration of their first card.

“Single-use SMS Code” – a single-use code sent by the Bank to the User to verify the card, which is to be registered in the Mobile Wallet. The code is sent to the mobile telephone number provided by the Customer to the Bank. The Customer confirms the registration of the card by entering the single-use SMS code in the application. To change the mobile number, the Customer is required to visit the Bank’s office.

“Mobile Device Password” – identification data specified by the Application provider: digital code (Passcode), fingerprint (Fingerprint) or face recognition (Face recognition) which serves to unlock the mobile device, identify the User and is required to initiate payment through the Application.

“NFC Technology” – “Near Field Communication” is a technology that allows the transfer of data between two devices at very close distances. NFC Technology is used to make contactless payments with cards and mobile devices.

“Card Scheme” – any  association or organization supporting a card payment system applicable under these General Terms and Conditions.

Banka Credins sh.a. aims to offer to the customers fast, easy and secure way to pay with moblie phone or device, with banks cards.

The User confirms and agrees that in order to use the DIGITAL WALLET  Service, the following conditions should be met:

 1. Eligibility :

a) To use DIGITAL WALLET , you must be at least 18 years old and a resident of the country where DIGITAL WALLET  is available.

b) To use DIGITAL WALLET , you must have a compatible mobile device and a Payment Card issued by Banka Credins sh.a.

c) To use DIGITAL WALLET , you must comply with the eligibility criteria specified by  LLC for using DIGITAL WALLET  services.

2. When you have registered your Card in a Digital Wallet, you can make purchases where the wallet is accepted. The wallet may not be accepted at all places where your Card is accepted.

3. When customer uses DIGITAL WALLET ment Service ( Wallet), his/her cards and  transactions are saved in his/her  Account. The customer can change what is kept and manage their privacy settings at any time.

4. We do not operate the Digital Wallet and we are not responsible for its use or performance, for example, if it requires updating, becomes unavailable or if you are unable to use it for any transaction.

5. You are responsible for the accuracy of the data given by you when you register your Card in a Digital Wallet and when you authorize a payment using it. Where an unauthorized payment is carried out, or a payment is carried out incorrectly, please refer to the terms and conditions of your Card with us for details on how to proceed.

6. Mobile wallet shall be made available to the Customer subject to the condition that he/she downloads the application, successfully installs it and thereafter authenticate himself with the applicable credentials.

7. By registering for DIGITAL WALLET , user authorizes the Bank to share necessary information with  LLC for the provision of the service.

8. User should have registered his and the same current Mobile Phone Number with the bank and DIGITAL WALLET  application.

9. To open the DIGITAL WALLET  Application from the menu of the respective mobile device.

10. To complete the registration for the DIGITAL WALLET  Service by accepting these General Terms and Conditions for Using DIGITAL WALLET  Service and to comply with them, as well as to comply with all other clauses in accordance with other General Terms and Conditions and the debit/credit card issuance agreement between the User and Banka Credins sh.a., and to confirm the identification mobile telephone.

11. The Bank shall not be held responsible if while registering in the application, the user has indicated a wrong telephone number. The telephone number must match the identification telephone number specified by the User to Banka Credins sh.a. system.

12. The User agrees/accepts these General Terms and Conditions by marking the check box and/or pressing the appropriate button. The Bank and the User agree that, in their relations, the electronic means of signature described above shall constitute an electronic signature within the meaning of Regulation (EU) 910/2014 with legal effect equivalent to a handwritten signature within the meaning of the Electronic Document and Electronic Certification Services Act.

13. The User may use the DIGITAL WALLET  service on more than one mobile device.

14. To perform transactions via the mobile device, it is necessary to bring the screen of the phone/watch or any other device compatible with Mobile wallet, etc. closer to the POS/ATM device.

15. The limits for contactless payments/withdrawals with the mobile application shall be the operational limits of the card.

16. The following requirements must be met in order to use the DIGITAL WALLET  Service for transactions with digitalized card:

a) The mobile telephone or device on which the service is used must have installed the appropriate version to support digital wallet.

b) An internet connection is required to register a new card in the application;

1. Only those Cards that we indicate as eligible can be added to a Digital Wallet.

2. You can register your Card in a Digital Wallet by following the instructions of the Digital Wallet Provider.

3. You acknowledge that the Digital Wallet Provider has the right to decline to register your Card and that we are not responsible for this.

4. We may allow you to register the same Eligible Card on more than one Device. You must, however, continue to keep your Device secure and your security details confidential.

We may refuse to register your Card in a Digital Wallet, or to block or restrict you from adding your Card where we have reasonable grounds for doing so. This includes behavior that we (acting reasonably) consider indicative of fraud if you have a negative or overdue account balance or if we are instructed to do so by the Digital Wallet Provider or payment network. The Digital Wallet Provider, the payment network or some other third party may also block, restrict, suspend, cancel, or otherwise terminate your use of the Digital Wallet without reference to us.

1. Banka Credins does not charge a fee for linking your account to DIGITAL WALLET . However, standard fees associated with your account or transactions may apply. The Bank will not charge cardholders any fee to use DIGITAL WALLET ment Service. These Terms are in addition to the terms and conditions that apply to your Card (Terms that have been signed and accepted from you when you have received the Card) and to the terms and conditions that apply to your account linked with the Card. Unless otherwise stated, where these Terms are not consistent with any other applicable terms and conditions, then these Terms will apply to the extent of that inconsistency.

2. All applicable interest, fees, and charges that apply to your Banka Credins sh.a. card will also apply to the use of Mobile Credit card. A current list of our fees and charges for Card services is available at https://www.bankacredins.com

3. Your Digital Wallet Provider and other third parties, such as your mobile network operator, will also have terms and conditions that apply to your use of the Digital Wallet. You should ensure that you are satisfied with all the terms and conditions that apply to your Digital Wallet use. We are not responsible for any agreement that you enter with any third party in connection with your use of a Digital Wallet.

If we make any changes to these Terms, we will notify you as set out in the terms and conditions for your Card. After this, continued use of your Card with a Digital Wallet means that you have accepted the changes. When there are changes, we may ask you to read and accept these before you can continue to use the Digital Wallet. If you do not agree to such changes, you can remove your Card from the wallet following the Digital Wallet Provider’s procedures.

1. You (the User) are responsible for maintaining the security of your mobile device and any credentials used to access DIGITAL WALLET .

2. You (the User) must notify Credins Bank immediately if you suspect unauthorized use of your DIGITAL WALLET  account.

3. You must take all reasonable steps to maintain the confidentiality of any information shown or stored on your Device in connection with the Digital Wallet. You are solely responsible for the safety and security of your Device. In particular, you must:

a. Never give anyone else your security details. If you suspect that someone knows them, change them immediately and if necessary, suspend or disable the Digital Wallet or remove your Card from it;

b. Use appropriate security on your Device;

c. Delete all Card details from your Device before you dispose of or replace it;

d. Contact us immediately if any Device on which you have a Card has been lost or stolen and take all reasonable steps to suspend or disable it from being used.

1. Banka Credins may collect and use personal information in accordance with applicable laws and regulations. By adding your Card to a Digital Wallet, you agree that we may share your personal information with the Digital Wallet Provider, payment network or other third parties, as necessary, to provide the services and process the transactions you have requested.

2. The Bank will use your Personal Data only for the purpose of providing the service. The data will be collected, processed, and stored by the Bank and , in compliance with the applicable legal provisions on Data Protection and Privacy: These subjects act in compliance with GDPR (European General Data Protection Regulation (EU) 2016/679), as amended and relevant laws in Albania, Law no.124/2024 “On Protection of Personal Data”.

3. By accepting these conditions, you are considered to have given your explicit and clear consent to the collection, transfer, storage, use and processing of your Personal Data for this purpose. You have the responsibility to inform the Bank about changes in your personal data or information provided by you that may affect this service.

4. By using DIGITAL WALLET , user agrees that your information may be shared with  LLC to facilitate transactions and improve service functionality. The Digital Wallet Provider is separately responsible to you for how they use and manage any personal information you provide to it.

The User irrevocably and unconditionally authorizes Banka Credins sh.a to access his Card details registered for the Facility for effecting banking or other transactions of the User through the Facility. The User expressly authorizes Banka Credins sh.a to disclose to  or any other third party, all User’s information in its possession, as may be required by them to provide the services to the User. The authority to record the transaction details is hereby expressly granted by the User to Bank.

1. You may terminate your use of DIGITAL WALLET  at any time by unlinking your Banka Credins account from the DIGITAL WALLET  app

2. We can cancel the eligibility of your Card for any Digital Wallet or cease to offer the service at any time. We will provide you with any notice required under the applicable terms and conditions for your account.

3. You can terminate these Terms at any time by removing your Card from the Digital Wallet.

4. Any termination of these Terms is without prejudice to any accrued rights and/or remedies.

5. Banka Credins reserves the right to suspend or terminate your use of DIGITAL WALLET  if you violate these Terms or for other reason deemed necessary.

If you have a Credins Bank Debit and/or Credit card, please call us at +8002273 for support related to your Card being used in a Digital Wallet or if your Device is lost, stolen or compromised.

1. The user shall be responsible for the accuracy of any information provided by the same user.

2. The user shall be solely responsible for incurring any charges, if any, that may arise for using DIGITAL WALLET  apart from but not excluding the transaction value.

3. The User is solely responsible for protecting his registered mobile phone and Application/Card PIN for the use of Mobile wallet.

4. The user shall be liable to the bank for any kind of unauthorized or unlawful use of any of the above mentioned passwords or any fraudulent or erroneous instruction given and any financial charges thus incurred shall be payable by the user only.

5. The user must register either physiological biometric data or PIN to prevent others from accessing or using DIGITAL WALLET  on the Device. The user agrees to keep the PIN confidential at all times, and to notify  and Banka Credins sh.a. immediately if the DIGITAL WALLET  application PIN is stolen, becomes known to an unauthorized third party or is otherwise compromised. If the user loses the Device, then the user can lock the DIGITAL WALLET  application and wipe the data off DIGITAL WALLET  to prevent use of DIGITAL WALLET  by others.

6. The user accepts that any transaction emanating from DIGITAL WALLET  from the given mobile phone and mobile number shall be assumed to have initiated by the user

7. The user shall request the Bank, to block the card/s, if his mobile phone has been lost or has been allotted to some other person.

8. Also he shall be obliged to inform the Bank about any change in the mobile number or any unauthorized transaction in his card of which he has knowledge.

9. It shall be the responsibility of the user to update the application DIGITAL WALLET  with regard to any information relating to the services as the Bank may decide to provide certain other additional services. The Bank shall not be responsible for any disregard on the part of the user.

10. User is solely responsible for managing the sessions and activation of card linked with his actual card in the application.

11. User will be liable for any loss on account of the misuse of the Card in the mobile phone. User will accept that the Card can be used on the mobile phone till the sessions are active.

12. The User understands that DIGITAL WALLET  will send the details of the digitized Card to the online merchant application or e-commerce portal or any such DIGITAL WALLET  compatible online merchant to complete purchase transaction, which will be authorized by the User. Any liability arising on account of loss of actual card or mobile will be borne by the customer/User. The user shall be liable for all loss if he has breached the Terms and conditions contained herein or contributed or caused the loss by negligent or intentionally actions or a failure on his part to advise the Bank within a reasonable time about any unauthorized access in the account

To the full extent permitted by law, you agree to indemnify and hold Banka Credins sh.a harmless against all and any loss, liability, actions, suites, proceedings, costs, demands and damages which may arise directly or indirectly out of a breach of these Terms and Conditions and/or any third party terms and conditions or arising out of or in connection (i) your use of any Card with Mobile wallet; or (ii) any breach of the terms and conditions set forth in these Terms and Conditions by you, or other Users of Mobile wallet using your Card credentials; (iii) any actual or alleged breach of your representations, warranties, or obligations set forth in these Terms and Conditions, including any violation of our policies; (iv) your wrongful or improper use of Mobile wallet, including willful misconduct or fraud; (v) your violation of any third-party right, including without limitation any right of privacy, or Intellectual Property Rights; (vi) your violation of any law, rule or regulation as applicable ; (e) any other party’s access or use of Mobile wallet with your Touch ID or personal identification number or passcode or other appropriate security code (including direct, indirect, special or consequential damages), and whether in an action based on contract, negligence or any other action.

In consideration of Banka Credins sh.a agreeing to provide the Facility to the User, the User hereby irrevocably agrees, to indemnify and keep Banka Credins sh.a indemnified, at all times hereafter, from all losses, damages, costs, legal fees, charges, expenses and consequences whatsoever, suffered or incurred by Banka Credins sh.a on account of any claims, actions, suits or otherwise instituted by the User, or any third party whatsoever, arising out of or in connection with the use of the Facility and any or all transactions initiated by the use of the Facility, whether with or without the knowledge of the User, or whether the same have been initiated bona fide or otherwise which transactions, the User hereby acknowledges, Banka Credins sh.a has processed on the transaction instructions and authority of the User in accordance with these Terms and Conditions and other applicable Specific Terms and Conditions, as the case may be. The User further agrees and confirms that this indemnity shall remain valid, subsisting and binding upon the User notwithstanding partial withdrawal of the Facility.

Without affecting the generality of the above clause, Banka Credins sh.a shall not be liable for any direct, indirect, punitive, incidental, special, consequential or exemplary damages, including without limitation damages for loss of profit, goodwill, use, data or other intangible losses that may result from the use of, inability to use or unavailability of Mobile wallet including any failure by a third party service provider to provide the Mobile wallet services and/or any action, omission and/or breach under any third party terms and conditions by such third party, or a failure to perform any obligations as a result of technical problems relating to the network, termination of any license to operate or use the network, act of God, government control, restrictions or prohibitions or other government act or omission, whether local or national, act of default of any supplier, agent or sub-contractor, industrial disputes or any other cause beyond Banka Credins sh.a control.

Banka Credins sh.a, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the User or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of Banka Credins sh.a in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the User and the network of any service provider and Banka Credins sh.a’s system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the User, Banka Credins sh.a’s system or the network of any service provider and/or any third party who provides such services as is necessary to provide the Facility.

Notwithstanding anything to the contrary provided in these terms and conditions, Banka Credins sh.a shall not be involved in or in any way or be held liable to the User for any dispute between the User and a mobile services provider or any third party service provider (whether appointed by Banka Credins sh.a in that behalf or otherwise). Banka Credins sh.a shall not be in any way held liable to the User for any loss incurred due to use of facility by any other person with express or implied permission of the User.

Banka Credins sh.a shall not be held responsible for the confidentiality, secrecy and security of the personal or account information being sent through the Facility for effecting the User’s instructions.

Banka Credins sh.a shall not be held liable for any loss suffered by the User due to disclosure of the personal information to a third party by Banka Credins sh.a including but not limited to service providers, partners agent, , Card Networks or by User, for reasons inclusive but not limited to participation in any telecommunication or electronic clearing network, in compliance with a legal directive, for statistical analysis or for credit rating.

The construction, validity and performance of these Terms and Conditions shall be governed in all respects by the laws of Albania. The Parties hereby submit to the exclusive jurisdiction of the competent Court at Tirana, Albania which court shall have jurisdiction in the matter to the exclusion of any other courts, irrespective of whether such other courts have similar jurisdiction in the matter.

Banka Credins sh.a is absolved of any liability arising, direct or indirect, for non-compliance with the laws of any country other than Albania where the Facility is accessible. These Terms and Conditions shall be subject to applicable regulatory guidelines and prevailing laws & regulations amended from time to time.

1. Banka Credins reserves the right to amend these Terms at any time, with or without notice, by posting the updated Terms on our website or notifying you through the DIGITAL WALLET  app.

2. Continued use of DIGITAL WALLET after such amendments signifies your acceptance of the revised Terms.

I confirm that I have read, understood and accepted the content and received a copy of theirs.