1. Applicability. Terms of use
These terms of use („Terms of use”) contain the terms and conditions of use of the SelfPay Now mobile application („SelfPay Now Application” or „Application”) and the features provided to you („you”, „the user”), for the purpose of transferring money („P2P Transfer”) and/or depositing cash on your cards using the SelfPay Pay Stations („Cash2Card Transfer” together with the P2P Transfer referred to as the „Services”). You can view this document at any time using the SelfPay Now Application, on the www.selfpay.ro website, or you can send us a request at any time using the contact addresses specified below to obtain an electronic copy of it.
The SelfPay Now Application is provided to you by SelfPay SA, a company with its registered address in Bucharest, 153-155 E Dacia Blvd., district 2, Romania, registered at the Trade Register Office at number J40/9919/2009, with unique company code RO26067497 (hereinafter referred to as „SelfPay”).
The services provided in the SelfPay Now Application are provided by SelfPay SA together with Libra Internet Bank S.A., a company having its registered address in Bucharest, 6-6A Calea Vitan, section B, C, floor 1, 6, 9, 13, Phoenix Tower Building, District 3, Romania, registered at the Trade Register Office at number J40/334/1996, with unique company code 8119644, registered in the National Bank of Romania’s Register of Credit Institutions at no. RB-PJR-40-037/18.02.1999 (hereinafter the ”Bank”).
Through the SelfPay Now Application, the Bank initiates and processes the payment orders corresponding to the transfers that you make with the technical support of the SelfPay Now application.
By using the Platform, you authorize the Bank to initiate and carry out transfers on your behalf by initiating payment orders. The initiation of the payment orders corresponding to the transfers requested by you through the Platform is carried out by the Bank.
For each transfer operation initiated by you, the Platform provides the technical infrastructure for initiating the payment order by the Bank. Afterward, the payment instructions are validated by the Bank and transferred to Romcard. The verification of the conditions necessary for the processing of the transfer, including, but not limited to, the verification of the accounts involved in the transfer operation, the verification of the availability of the payer’s funds and similar ones, is carried out by Romcard.
By accepting these Terms of Use, you understand and confirm your consent regarding the use of the Application and the Services under the terms and conditions stipulated in this document.
In case anything is unclear concerning these Terms of Use, please contact us using the e-mail address: contact@selfpay.ro or/and info@librabank.ro.
2. General eligibility requirements
In order to create a user account and to be able to use the Services available in the SelfPay Now Application, you must be at least 18 years old on the date of first use.
In order to use the available Services, it is necessary to register your personal data and debit or credit cards according to the instructions set out on the registration page, including indicating your agreement to accept these Terms of Use at the time of creating the user account.
The user of the SelfPay Now Application undertakes responsibility that they will comply with and not try to breach the provisions of these Terms of Use, which include the following rules:
3. Functionalities and Services
The SelfPay Now Application facilitates user access to the following Services:
(a) P2P Transfer. This involves an instant* money transfer service from the sender’s card to the recipient’s card using the channels provided by Visa and MasterCard card organizations, the Bank, and SelfPay; The service is provided under the conditions of providing the services stipulated in these Terms of Use. You can use this service to transfer money to your own cards or to the card of another user of the Application.
The payment recipient can be selected through the following methods:
The SelfPay Now application enables transfers only between its users, so when you want to make a transfer by accessing your contact list, you must select only the phone numbers that are accompanied by the SelfPay Now symbol.
Via QR code and Alias you can both send and receive amounts.
Transfers are sent instantly*. This means that there is no way to cancel this type of payment once it has been sent, so please ensure that the details you enter are correct.
*Important: The maximum crediting and debiting time for cards involved in P2P transactions depends on the correct implementation by the card issuing banks of the mandatory flows for the Visa Direct and Moneysend services, services offered by the card organizations, Visa and Mastercard. Transfers between credit cards typically require a processing period of up to 2 working days, with exceptional situations that are not dependent on the SelfPay system possibly extending this period. Transfers between debit cards are usually completed within a maximum of 30 minutes from initiation, but can require a processing period of up to 2 working days in exceptional situations that are not dependent on the SelfPay system, with the possibility of this period being extended.
(b) Cash2Card Transfer. This involves an instant* funds transfer service on the application’s user card, using the channels provided by Visa and MasterCard card organizations, the Bank and SelfPay; The service is provided under the conditions of providing the services stipulated in these Terms of Use.
*Important: The maximum crediting time of the cards involved in Cash2Card transactions depends on the correct implementation by the card-issuing banks of the mandatory flows for the Visa Direct and Moneysend services, services offered by the card organizations, Visa and Mastercard. Transfers to credit cards typically require a processing period of up to 2 working days, with exceptional situations that are not dependent on the SelfPay system possibly extending this period. Transfers between debit cards are usually completed within a maximum of 30 minutes from initiation, but can require a processing period of up to 2 working days in exceptional situations that are not dependent on the SelfPay system, with the possibility of this period being extended.
Through the SelfPay Payment Stations provided and operated by SelfPay, the user of the SelfPay Now Application can deposit funds directly on his card enrolled in the Application. You can use this Cash2Card Transfer service to fund with money only your own card enrolled in the Application.
The transaction status (found in “Transaction Details”) is provided for informational purposes and is based on the information transmitted by SelfPay’s partners, over which SelfPay has no control. For SelfPay, the moment when the transaction is considered to be successfully completed is when the recipient of the funds has access to them.
The funds we refer to may be (i) in the form of cash; or (ii) in the form of a voucher that you have received from SelfPay as a result of your previous use of other SelfPay services made available to you through Payment Stations.
4. Opening the account and using the Application
The flow of opening a user account in the Application, as well as enrolling the device is as follows:
The user undertakes the obligation to inform SelfPay as soon as possible about any change/update of their data (e.g., name, e-mail address, or phone number). Thus, you can make any modifications or updates to your data directly from the user account, by accessing the Menu > Profile > Edit section.. You can thus modify the mandatory personal data at any time and/or insert/delete optional personal data.
Your personal data will be automatically checked by the Bank for know-your-client and anti-money laundering and terrorism financing risk prevention purposes, against: (i) the lists managed by the Office of Foreign Assets Control (OFAC), including, but not limited to the List of Specially Designated and Blocked Nationals; (ii) EU sanctions lists; (iii) UN sanctions lists; (iv) PAN black list; (v) BIN black list.
You must register your card by following the instructions provided in the Application. You must not try to register a card that is not issued in your name and/or that does not belong to you.
You must not attempt to create an account with a phone number or e-mail address that do not belong to you and /or are “disposable” /”burner”.
You must not apply for more than one user account.
You undertake the responsibility and will not provide false, inaccurate, incomplete, or confusing information at any time.
You will not be able to use the Application or any part of its functionality, including the Services until you provide the information requested in accordance with these Terms of Use and/or the Bank’s internal terms and policies, and if you do not upload at least one card.
Please note that we will review your registration process as soon as possible. It is at the exclusive discretion of the Bank if it will register and accept you as one of its clients in order to use the services provided by the Bank. If your registration is approved, you will be notified as soon as possible.
A user can download his data by pressing “Download my account data” from the “My Account” section.
5. Using the Application and the Services
5.1 Functionality. Additional Information
After successful registration you will be able to use the Services available through the SelfPay Now Application, depending on the technical availability and monitoring practices of the bank issuing the payer’s and beneficiary’s card (and depending on the payment of any applicable fees and compliance with these Terms of Use).
You may use the SelfPay Now Application and the Services only for personal purposes. They will not be used for business-related activities, illegal commercial activities, illegal financial transactions or to create an apparent legality regarding illegally obtained income and/or for any other transactions carried out in violation of the laws applicable in your country and any other international law. To the extent that, according to the applicable laws, the amounts of money that are the object of the Services used by you, become subject to fiscal obligations, these fiscal obligations and any related procedures always fall under your responsibility.
Periodically, for the purpose of carrying out the know-your-client procedure (if required by law or by banking regulations), you will have to provide some additional documents and information, upon the request of the Bank. Otherwise, your access to the Services may be restricted.
These documents and information will include but are not limited to, clear colour photographs or scanned copies of your identity documents, documents confirming your permanent residence, documents confirming your residence address, and any such documents that are considered necessary.
The Bank reserves the right to request any additional documents and/or information regarding you, your transactions, and/or the payer, and/or the beneficiary of your transfer funds. The Bank will decide, at its own discretion, whether the documents and/or information provided are sufficient to enable you to use the Services or any part thereof.
The enrolled cards in the Self Pay Now Application can be used for payment at SelfPay Payment Stations. Payment initiation from the chosen card can be done after selecting the SelfPay Now Application payment option on the Payment Station screen and scanning the QR code displayed on the Payment Station screen. Transactions authenticated at the Payment Station using the SelfPay Now Application will be displayed in the transaction history section of the SelfPay Now Application, including the option to download the payment receipt.
5.2 Transaction limits
Your transfers can be subject to the limits associated with the enrolled cards and the funds available on the card, established with/by the card issuing banks.
The trading limits established by the Bank for the services provided through the Application are the following:
Limits for transferring and receiving funds: maximum 4,000 RON/month/card/user/account via Cash2Card top-up and maximum 4,000 RON/month/card/user/account via P2P transfer. To avoid any doubt, the maximum amount for Cash2Card deposit cumulated with top-up via P2P transaction is 8,000 RON/month, and the maximum transfer amount via P2P transaction to another user is 4,000 RON/month. The limits of 4,000 RON are calculated separately for sending funds (P2P Transfers) and receiving funds (including both P2P Transfers and Cash2Card Transfers), each having 30 days for calculating the limit, which starts from the date of the first valid transaction, whether it is a transfer or receipt of funds. In the case of the cards issued by Visa, the following maximum limits apply:
Transaction limits apply to cash deposits and transfers between cards. Payments made through the SelfPay Now Application at the Payment Station do not count in the limits calculation.
The minimum value for each transaction to transfer and receive funds is 5 RON/transaction. For the avoidance of any doubt, the minimum value of a Cash2Card top-up is 5 RON, to which is added the respective fee.
5.3 Permission
By using the Services, you authorize the Bank to receive and process transfers or deposits of funds on your behalf and to deduct any applicable Fees from those funds. The initiation of the payment/deposit orders corresponding to the transfers/deposits requested by you through the Application is carried out by the Bank.
As regards the P2P Transfers, the Bank will debit the amount of your transfers and any applicable Fees from your card balance at the time of the transaction. As regards the Cash2Card Transfers, the Bank will debit the applicable Fees from the funds deposited to the SelfPay Payment Stations.
If you make a P2P Transfer or a Cash2Card Transfer, any applicable fees will add to the transaction value, so that the total amount of your transaction plus the applicable Fees will be charged on your card or, as applicable, deducted from the funds deposited at the SelfPay Pay Stations.
If you attempt to make a P2P Transfer that exceeds the balance available on your card at the time of your request plus any applicable Fees, then your request will not be processed.
In the unlikely event of an erroneous or duplicated transaction, you are obliged to return the erroneously or doubly transferred amounts to the accounts indicated by SelfPay.
In the unlikely event, for any reason, of a transaction that has been concluded with insufficient funds on your card, the amount due will be refunded by you if it is not due to an error. Where the amount due must be reimbursed by you, you will be asked to immediately deposit the funds on your card to reimburse the negative balance. Until the full amount is fully reimbursed to the Bank, the Bank may suspend your Services. If the Bank considers that the negative balance was intentionally created, this will be treated as potential fraud and will be followed by addressing the control bodies.
6. Charges and Fees
The fees and charges (“Fees”) related to the services are specified in the fees section for each P2P Transfer or Cash2Card Transfer. No user fees are applied for P2P Transfer operations. For Cash2Card transfer operations, the user is charged a fee of 1.5% of the transaction value, but not less than 5 RON per transaction.
The list of Fees can also be viewed on the website www.selfpay.ro.
7. Expiration, Termination, and Suspension
If possible, we will notify you as soon as possible before doing so, or immediately thereafter, giving you our reasons, if your information does not compromise reasonable security measures or would otherwise be illegal.
8. Refusal to transfer
Among other reasons, the processing of a transfer may be denied if:
9. Illegal activity
You are required to make all reasonable efforts to prevent or impede the use of the Application and Services for facts or acts of commerce, illegal financial transactions, or the legalization of illegal income.
It is forbidden to use the Application and the Services for the purpose of legalizing illegal income, illegal activities, illegal trade, business purposes, and for any other transactions carried out in violation of the laws applicable in your country and in Europe.
10. Investigations
If our investigations show that a transaction reported by you as unauthorized or incorrectly executed was in fact authorized by you, or you acted fraudulently or negligently (for example, without limited to by failing to secure the security features of the card, phone, application), you will be liable for losses incurred as a result of using the Services.
11. Security
It is your obligation and responsibility to keep your identification data within the Application confidential and secure, as well as security information and any data related to your card and to never disclose it to anyone.
If another person gains access to your information, application, or telephone by passing all security identification and validation checks, we will be entitled to treat any transaction and other transactions made by that person as valid and authorized by you and we will not be able to be held liable for any loss or damage that may be calculated as a result thereof.
All transactions made within the Application are encrypted, and card data will be securely stored and processed through the Bank’s systems. SelfPay stores only basic information about Cards, respectively: the first 6 and last 4 digits of the card number, the type of card (Visa or Mastercard), and the expiration date. SelfPay does not have access to the security codes of the cards enrolled in the Application. Complete card information is processed only by Romcard.
Contact us immediately if your identification data within the Application are used without your permission.
If you find that a P2P Transfer is not authorized by you, has been processed or has been executed incorrectly or has not been processed, you have the obligation to contact promptly and without delay the issuing bank of your card and us. Any delay in notification may result in your liability for any loss suffered.
We inform you that we are not liable to you if you incorrectly identify the intended beneficiary for a transfer. At the same time, you are responsible for the security of your account and the device on which the Application is installed. In addition, you are responsible for not sharing with anyone, at any time, your account name, password, account card data, and any other data that could lead to the unauthorized use of your user account.
12. Confidentiality and personal data processing
In order to be able to provide you with the Services and functionalities of the SelfPay Now Application, SelfPay, and the Bank need your personal data. You can delete your account at any time, which will terminate the agreement between you and us and make it impossible for you to use the Services.
To delete personal data related to the user account, you can always access the profile deletion button by following the steps below: Menu> Profile> Edit> Delete.
Following the deletion of the user account, the personal data associated with the account will be deleted, and to access the SelfPay services it will be necessary to create a new account. The personal data contained in the documents issued as a result of the provision of the Services will be kept for the periods imposed by the applicable legal provisions.
We are committed to complying with the security and confidentiality of data and we ensure you that all information will be stored securely and treated confidentially. All personal data collected within the Application are processed according to the legal provisions in force and the Information Note, available in the Application and on the website www.selfpay.ro
13. Application updates
We reserve the right to modify the content and/or structure of the Application according to the technological needs and to improve the Services provided to users at any time and without any prior information. Depending on the type of changes made, you may not be able to access the Services available within the Application until you have downloaded the latest version and accepted the updated terms of use if necessary.
Adding a new feature, product, or service within the Application, that does not involve modifying the terms and conditions for P2P Transfer Services and/or Cash2Card Transfer, we reserve the right to implement these additions immediately without prior notification. Please periodically check the Application to stay informed about such changes. This document will govern all such additions, except where they are governed by additional terms and conditions, in which case you agree that those additional terms and conditions will take precedence in the use of any new features, services, or products.
14. Intellectual property
The content of the Application is protected by intellectual property law, including, without limitation, copyright law. All rights related to the information provided on or through the Application are the property of SelfPay. These include, without limitation: data, texts, technical sources of web pages, news, graphics, drawings, photographs, illustrations, images, logos, services, APIs and any other mentions. The content of the Application may not be reproduced, copied, translated or modified in any way, in whole or in part, without our prior written permission.
We may grant a limited, revocable and non-exclusive license to create a hyperlink to the main page of the Application, as long as this link does not describe in a false, wrong or offensive way SelfPay, the Bank, our partners or our affiliates. The license granted for the hyperlink does not allow you to use our trademarks without our prior written consent.
All intellectual property rights (including, without limitation, copyright and rights in the source code and databases) regarding the trademark, trademarks, logos, and all materials in the Application are our property or used by us under a license or with permission of our partners, including the Bank.
Nothing in the Application shall be construed as implicitly or otherwise granting any license or right to use any trademark displayed in the Application without our written permission or that of our partners, including the Bank, who may own the trademark.
In case of violation of these terms, we can take, for the recovery of damages, SelfPay will resort to any and all necessary and applicable legal means, and for our protection, we can block the access of any user within the Application
15. Modifications
Periodically, these Terms of Use may be subject to change. In such a situation, you will be notified at least 14 days in advance of the date on which the changes will take effect, by e-mail to the address indicated by you when you created your account. SELFPAY SA can also use other communication methods in its relationship with you, such as SMS, push notifications, or in-app notifications. This term will not apply to contractual changes imposed by the application of new legal provisions, such changes being applied depending on the date of entry into force of the respective regulations.
In case of an increase in any Charges or the introduction of new charges, the notification will be sent at least 60 days before the date on which the changes will take effect.
If we add a new product or service, we may add the product or service immediately and notify you of the terms and conditions of use before using it.
After the date of entry into force of any changes to the Terms of Use, the absence of a refusal made by you and the continued use of the Application and the Services will constitute your acceptance of such amendments.
If you do not agree with the notified changes, you will be able to inform us in this regard during the time periods until the entry into force of the notified changes. We will treat your communication as a notice of termination of these Terms of Use. In these circumstances, we will restrict your access to the Application and related Services.
16. Limitation of liability
We are not liable for any loss or damage suffered by you, caused by the causes specified below: (i) if you are unable to access the Application and/or Services at any time due to interruptions or malfunctions or delays in telecommunications services, internet or power supply, which we use through our external suppliers with which we have contracted these services or, when the latter are due to a fortuitous event or force majeure event; (ii) the temporary impossibility of using the Application and/or the Services during the maintenance periods (technical revision, including their improvements); (iii) if you cannot access at any time the Application and/or the Services or their corresponding malfunction, due to the equipment/devices/computer programs, etc. used by you; (iv) in case of improper use of the Application and/or the Services, including in case of erroneous data transmission; (v) when, through the negligence of the user, the identification elements come to the knowledge of other persons; (vi) the computer system/device belonging to the user has been accessed by unauthorized third parties or has been hacked; (vii) if the user discloses the identification/access elements in the Application as a result of phishing attacks or computer viruses on his equipment/devices. The liability to the user is limited to the direct damages suffered by him, which are direct and the necessary consequence of the non-execution of our obligations, in accordance with the legal provisions and/or those provided in these Terms of Use.
17. Miscellaneous
These Terms of Use are personal to you and you may not assign or otherwise transfer your rights and obligations therein. We may assign or transfer the benefits or obligations of these Terms of Use to another entity at any time, with reasonable notice in advance. If we do so, your rights will not be affected. These Terms of Use will be governed by the laws of Romania. All disputes arising out of or in relation to these Terms of Use will be settled by the competent Romanian courts.
These Terms of Use are written and concluded in Romanian.
These Terms of Use are subject to amendment, modification or deletion if requested or found to be in conflict with applicable law or applicable regulations, without affecting the validity or enforceability of the remaining Terms of Use.
Failure to exercise or enforce any right under these Terms of Use will not be construed as a waiver of any right and will not act as an obstacle to the exercise or future application of that right at any time.
We may employ the services of one or more affiliates, subsidiaries, agents or subcontractors to fulfill our obligations.
The rights and remedies available to us under these Terms of Use are cumulative and are in addition to any other rights or remedies available to us under the law.
18. Contact and other information
If you want more details about the Services or the use of the Application or if you want to make a complaint or any suggestion about them, please contact us at:
SelfPay contact details: e-mail contact@selfpay.ro
Bank contact details: e-mail info@librabank.ro
The communication with you will take place via e-mail at the address indicated by you when you created your account. SelfPay SA can also use other communication methods in its relationship with you, such as SMS, push notifications, or in-app notifications.
Any comments, questions, feedback, ideas, suggestions or other communications or information about or related to the SelfPay Now application, its functionality or improvement will remain the property of SelfPay SA.
Any user of the Application can address complaints to SelfPay SA as soon as he/she becomes aware of the disputed event, indicating the problem encountered and additional information necessary to identify the transaction, the phone number where he/she can be contacted and the address he/she wants to receive in writing the response to his complaint. SelfPay will send the user a reasoned response to the complaint made, within a maximum of 15 working days from the date of receiving the complaint. To facilitate the resolution of the complaint, SelfPay may request additional information from the user. In certain situations, SelfPay will contact the user to obtain information from the recipient bank.
For complaints that require complex investigations, the previously mentioned deadlines required by SelfPay to formulate the response to the user’s complaint may be extended. In this situation, the User will be contacted by SelfPay within 5 business days from the date of receiving the complaint and will be informed about the intermediate stage of resolving his/her complaint.
The deadline for registering a complaint is a maximum of 3 business days from the date of its receipt by SelfPay.
For any complaint received from the customer – addressed in writing or verbally, SelfPay SA will issue a verbal or written response, by e-mail or mail, to the address mentioned by the customer.
These Terms of Use apply starting with 19.01.2024
By checking the General Conditions regarding the provision of the SelfPay Now Application, you express your agreement to them.
By checking the Information on the processing of personal data, you acknowledge the conditions under which SelfPay SA and the Bank process personal data, this fact not being equivalent to the consent you give separately for marketing communications.