TERMS AND CONDITIONS OF USE
SELFPAY NOW APPLICATION
Effective as of: 22.07.2026
The SelfPay Now mobile application (the “Application“) is provided and administered by SelfPay S.A., a company with its registered office in Bucharest, 153–155 Dacia Bld., 5th–7th floors, 2nd district, Romania, registered with the Trade Register Office under no. J2009009919407, with unique registration code (CUI) RO26067497 (hereinafter referred to as “SelfPay“).
This document (“T&Cs” or “Terms and Conditions“) regulates the use of the SelfPay Now Application, including the creation and management of the user account, accessing the functionalities available in the Application and the general conditions of use applicable to the persons using the Application (“User“).
The SelfPay Now application is a mobile computer application that offers Users access, from a single place, to a wide range of functionalities, including making payments, purchasing digital products and using services provided by third-party partners.
By using the SelfPay Now Application, the User confirms that he/she has read, understood and agrees to comply with the Terms and Conditions of Use, in the form accepted through the Application.
If you do not agree with any of the provisions of this document, please do not access, browse or use the Application, nor the functionalities, services, information, materials or other content contained in the Application.
This document can be consulted at any time through the Application, on the website www.selfpay.ro or can be made available to the User, upon request, in electronic format, using the contact details provided in Section 21 of this document.
The SelfPay Now application is a digital hub platform, provided by SelfPay, which allows Users to access, through a single interface, various functionalities and services.
The application aims to facilitate:
The SelfPay Now application is intended for use by persons who meet the eligibility conditions set forth herein and applicable law. The user accounts available within the Application are individual accounts, associated with a natural person.
Certain services available through the Application (such as the service of depositing cash at SelfPay Payment Stations on the card (Cash2Card Transfer) or transferring funds between users’ cards within the Application (P2P Transfer) are limited to persons who meet additional eligibility conditions, including conditions regarding citizenship, residency, age and/or user identification.
In order to create a user account and use the SelfPay Now Application, the User must:
The SelfPay Now application is intended for use by adults who have reached the age of 18.
Persons with limited legal capacity who have reached the age of 14 but have not reached the age of 18 may use the Application only to the extent that they have the legal capacity to conclude legal acts relating to the operations carried out through it, in compliance with the applicable legal provisions and, where applicable, with the approval or assistance of legal representatives.
The User is responsible for ensuring that the use of the Application and the performance of operations through it are permitted according to applicable legislation and the conditions of the issuer of the payment instrument used.
SelfPay may restrict access to certain functionalities or services that, according to the law, the partners’ policies or their nature, are intended exclusively for adults. In these cases, Users who have not reached the age of 18 are not authorized to access or use the said functionalities or services.
To the extent permitted by law, Minor Users may access and use the other functionalities and services available through the Application, in compliance with the applicable legal provisions and the conditions of the issuer of the payment instrument used.
Access to certain services available through the SelfPay Now App may be subject to meeting additional eligibility requirements, which may include, but are not limited to:
Such specific conditions will be communicated to the User, through the Application, before accessing or using the respective service and will take precedence over the general conditions, to the extent of their applicability.
In order to use the SelfPay Now Application, the User must create a user account, in accordance with the instructions displayed in the Application.
Creating a user account is a necessary condition for accessing the general functionalities of the Application and, where applicable, the services available through it.
Creating a user account involves completing an online registration process, which includes providing identification data and accepting this document, as well as the applicable related documents, as made available through the Application.
The process of creating a user account involves completing a series of successive registration steps, which may include, but are not limited to:
Depending on the options available in the Application, the User may choose to register and authenticate using alternative methods, such as authentication services offered by third-party providers (for example, social login – Facebook, Google or Apple), in which case certain data may be automatically retrieved from the respective account, under the conditions established by the third-party provider.
The user account becomes active after the successful completion of the registration process and confirmation of the indicated contact details.
SelfPay reserves the right to request additional verifications, to postpone the activation of the account or to temporarily restrict access to the Application until the activation process is fully completed, to the extent that this is necessary to comply with legal, security or operational requirements.
The User declares and guarantees that all information provided upon account creation and thereafter is true, accurate and complete and undertakes to update it whenever it changes. The User may make changes or updates to personal data directly from the user account, by accessing the dedicated section in the Application (My Account).
Providing incorrect, incomplete or outdated information may result in the inability to use certain functionalities or services available through the Application.
Each User may create and use only one user account, intended exclusively for personal use. It is prohibited:
SelfPay reserves the right to suspend, restrict or close user accounts that are used in violation of these provisions or when there are repeated or abusive attempts to create multiple user accounts by the same person.
4.5. Incomplete registration and active account
The process of creating a user account involves completing several successive steps, as described in Section 4.1. The user account is considered active and the User gains access to the functionalities of the Application only after the full completion of the registration process, including validating the phone number and configuring the PIN code.
Validating the email address is an intermediate step in the registration process and does not, in itself, constitute the opening of an active account. Until the registration process is completed, the User cannot access the functionalities or services available through the Application.
4.6. Initiated and uncompleted registrations
If the User has initiated the registration process and validated the email address, but has not completed all the steps necessary to activate the account, the data provided during the registration process is retained by SelfPay for a period of 6 (six) months from the date of initiation of the registration, to allow the User to resume and complete the process from where he left off.
The 6-month period also includes the 30-day period in which the User may change his mind about initiating the registratio.
Upon expiry of the 6-month period, if the registration process has not been completed, the data related to the initiated registration will be permanently deleted from SelfPay’s databases, including from marketing communication lists, if the User has expressed his/her consent to this during the registration process.
4.7. Right to data deletion for uncompleted registrations
The user who has initiated a registration process, but has not completed account activation, may at any time request the deletion of the data provided during the registration process, by sending a request to the contact details provided in Section 21.
Since the account is not active, the User does not have the possibility to perform the deletion directly from the Application. SelfPay will ensure the manual processing of these requests.
Access to the user account and use of the SelfPay Now Application is achieved through authentication and security mechanisms designed to protect the account, the User’s data and the operations performed through the Application.
Authentication in the Application is carried out through the methods made available by SelfPay, which may include, depending on the available options:
When authenticating from a new, unknown, or security-risk device, additional verification measures may be applied.
To secure access to the Application, the User must set a PIN code in the SelfPay Now Application.
If the User closes the Application before completing the PIN setting process, it will have to be completely restarted the next time the Application is accessed.
The PIN code is used to authenticate access to the Application and to confirm certain actions, depending on the configuration and available functionalities.
After setting the PIN code, the User may opt, depending on the capabilities of the device used, to activate additional authentication methods, such as biometric authentication. Biometric authentication uses exclusively the biometric factors already registered on the User’s device and is subject to limitations and settings imposed by the device manufacturer and by the operating system used.
The PIN code and biometric data used for authentication are stored exclusively on the User’s device. SelfPay does not store the User’s PIN code, has no access to the biometric data used for authentication and does not process this data on its own servers.
To use certain functionalities and services available through the SelfPay Now Application, the User must register at least one payment card in the Application, in accordance with the instructions displayed.
The User may enrol payment cards issued in his/her name in the SelfPay Now Application, in order to use the services available through the Application. The maximum number of cards that can be enrolled may differ depending on the service used.
For Cash2Card cash deposit and P2P transfer services, the User may have a maximum of three (3) payment cards enrolled simultaneously.
The enrolled cards must:
For certain services provided by third-party partners (eg: Cash2Card and P2P) within the Application, there may be specific limitations or conditions regarding the cards eligible for use (such as the type of card, the issuer of the card or other criteria established by the respective partner). These conditions will be communicated to Users through the partner’s terms and conditions and/or through the SelfPay Now Application.
SelfPay reserves the right to refuse to enrol a card that does not meet the applicable technical, security or eligibility conditions.
The process of enrolling a card is carried out through the Application and mainly involves:
The Strong Customer Authentication Procedure involves the use of multiple security elements, in accordance with the authentication and authorization mechanisms agreed with the issuing bank of the User’s card, and its successful completion is a mandatory condition for enrolling the card in the Application.
SelfPay does not intervene in the authentication process carried out by the issuing bank and cannot influence its conditions or decision.
In the case of minor users with limited exercise capacity, the Strong Customer Authentication procedure will be carried out either directly by the underage User, to the extent that this is allowed by the bank issuing the User’s card; or, as the case may be, by the underage user’s legal representatives, in accordance with the requirements established by the financial institution issuing the card and applicable law.
Enrolment of cards in the SelfPay Now Application requires the use of tokenization mechanisms provided by the authorized technical processor of SelfPay and the partner acquiring bank.
Full card details are not stored by SelfPay. Only limited information is stored within the Application, such as: the first four and last four digits of the card number, the type of card (Visa or Mastercard) and the expiry date. Complete card information is processed exclusively by authorized payment processing providers in accordance with applicable legal provisions and security standards (including PCI-DSS).
The User may, at any time: view the cards enrolled in the Application; delete one or more cards; add new cards, within the maximum allowed limit.
The cards enrolled in the SelfPay Now Application can be used to make payments through the Application.
Deleting all enrolled cards may result in the inability to use certain functionalities or services available through the Application. If a card expires, the User will be invited to enrol a new card to continue using the functionalities and services available through the Application.
In order to comply with applicable legal requirements, to prevent fraud and to ensure the security of the Application and the services available through it, accessing certain functionalities or services is conditional on prior identification of the User.
The user will need to go through and successfully complete the remote identification process via video means in the following situations:
In the absence of successful completion of the identification process, the User will not be able to access the services mentioned above.
The remote identification process is carried out through video means available in the Application and involves verifying the User’s identity based on the requested and presented identity documents, the captured images and the information communicated, using video means.
For this purpose, SelfPay uses the services of an authorized remote video identification provider and its subcontractors. For detailed information on the processing of personal data used in the remote identification process, please access and consult the Information Note on the processing of personal data, available in the Application and on the SelfPay website: https://www.selfpay.ro/legal/selfpay-now/gdpr/
During the use of the Application, the User may be asked to provide additional information or documents for:
The User will respond promptly and in good faith to any request for information or documents sent by SelfPay, in relation to the use of the Application and/or the financial services available through it.
The refusal or impossibility of completing the identification processes or providing the requested information leads to the limitation, suspension or denial of access to the Application or to the services for which these checks are necessary.
SelfPay may be prevented, for legal or regulatory reasons, from communicating to the User the exact reasons for the information request. The User understands and accepts that the absence of a detailed explanation does not affect the binding nature of the request.
The data and documents provided by the User within the cooperation procedures will be processed by SelfPay in accordance with the Information Note on the processing of personal data, available in the Application and on the SelfPay website: https://www.selfpay.ro/legal/selfpay-now/gdpr/ and with the provisions of Section 15 of this document.
Accessing certain services available through the SelfPay Now Application may require the User to enter their Personal Numeric Code (CNP), including, by way of example, for: paying taxes and fees, querying and viewing related debits or other services for which identification by CNP is required by applicable legislation or requested by the respective service provider.
The User may opt to store their own CNP within the Application for the purpose of querying and displaying in real time information related to the respective services. The CNP can be stored by accessing one of the services that require this information or by directly entering the CNP in the dedicated section of the Application. The CNP is processed in accordance with the Information Note on the processing of personal data, available in the Application and on the SelfPay website: https://www.selfpay.ro/legal/selfpay-now/gdpr/ and with the provisions of Section 15 of this document.
Through the SelfPay Now Application, Users can access various services, digital products and functionalities made available by SelfPay and/or by third-party partners.
These may include, but are not limited to:
Through the SelfPay Now Application, Users can also access financial services provided by authorized partner institutions.
Thus, the application allows access to payment services provided by Libra Internet Bank SA, namely:
The services provided by partner financial institutions are subject to their applicable terms and conditions, available within the Application and/or made available to the User prior to accessing the relevant service.
Within these services, SelfPay acts as a provider of the Application and of the technical access infrastructure, without providing the respective payment services.
Certain products, goods, services or functionalities available through the SelfPay Now App may be provided by third party partners.
In these situations:
Except where expressly provided otherwise, SelfPay acts exclusively as a provider of the Application and the technical infrastructure that allows the purchase/access of the respective products and services.
This document regulates the use of the SelfPay Now Application and the functionalities made available by SelfPay through it.
Specific conditions applicable to certain services, products or functionalities may be presented:
Services or products provided by third-party partners will be governed by the respective providers’ terms and conditions, special eligibility requirements and/or additional policies or rules.
In the event that separate terms and conditions apply to a particular service, product or functionality, these will prevail to the extent that they specifically govern that service, product or functionality.
SelfPay may introduce new functionalities to the Application, including services provided by third parties and partner financial institutions.
These may be subject to additional conditions, separate terms and conditions or specific eligibility requirements, which will be communicated to the User prior to use of the respective functionality and service.
The functionalities, operational flows, access conditions and applicable requirements may vary depending on the service or functionality accessed.
The functionalities, services and products available through the Application may be modified, limited, suspended, removed or supplemented from time to time, depending on the commercial decisions of SelfPay, the availability of relevant providers, technical conditions or applicable legal and regulatory requirements.
Their availability may vary depending on the geographical area, legal and regulatory conditions, technical availability and policies of the financial institutions or third party providers involved.
SelfPay does not guarantee the continuous availability of all functionalities, services or products in the Application, and does not guarantee the availability, performance, quality or conformity of services or products provided by third party partners.
The User may use the SelfPay Now Application, the functionalities and services available through it exclusively in accordance with these Terms and Conditions, the documents referred to in these Terms and Conditions, in compliance with applicable law and only for legitimate purposes and in good faith.
It is prohibited to use the Application for: carrying out illegal activities or transactions; disguising the illicit origin of funds or creating an appearance of legality regarding illegally obtained income; in contradiction with the specific terms and conditions of the third-party partners / suppliers within the Application; violating the legislation applicable in Romania or other regulations applicable to operations carried out through the Application.
To the extent that, according to applicable laws, the amounts of money that are the subject of transactions carried out or services accessed by the User become subject to tax obligations, these obligations and any procedures in relation to them fall exclusively on the User.
The User is responsible for the accuracy, completeness and correctness of all data entered into the Application or provided to SelfPay by any means, including the identification data of the payment beneficiaries, the payment amounts, the payment references and any other information necessary to execute the operations.
Unless expressly provided otherwise, SelfPay does not verify or validate the information provided by the User within the payment flows or the identification of the payment beneficiaries. SelfPay is not responsible for the consequences of an incorrect identification of the payment beneficiary or the provision of erroneous data by the User.
The User can access the history of operations carried out through the SelfPay Now Application.
For certain operations, proof of payment or other documents related to the transaction will be available for download in electronic format (including PDF), in the section related to the respective transaction.
The status of a transaction displayed in the Application is informative and may be based on the information available in the SelfPay systems and/or on the information transmitted by the suppliers, partners or participants involved in the processing of the respective operation.
Depending on the nature of the service or operation, the update of the transaction status may depend on systems and infrastructures outside the direct control of SelfPay.
For certain products or services available through the Application, the User may have the opportunity to request the issuance of tax documents, including fiscal invoices.
The respective documents will be issued by the relevant supplier of the respective product or service, in accordance with the contractual relationship and the legal framework applicable to the respective operation.
The User will be obliged to provide the information necessary for the issuance of the fiscal document, requested within the applicable operational flow.
Before confirming the request, the User is obliged to verify the accuracy and completeness of the information provided. SelfPay is not responsible for errors, delays or the impossibility of issuing documents generated by the provision of incorrect, incomplete or outdated information by the User or by the actions or omissions of the relevant suppliers of the respective products or services.
In order to use the SelfPay Now Application, the User must have a mobile device with the Android or iOS operating system. It is recommended to use the latest version of the operating system available for the User’s device, to ensure optimal functioning of the Application and security mechanisms. The user experience may vary depending on the device, the operating system version and the User’s settings.
Underage users with limited legal competence may use the Application and the available services only within the limits permitted by applicable law.
Access to certain operations reserved exclusively for persons over the age of 18 is restricted for underage users.
Certain functionalities of the Application allow the User to generate and distribute sharing links (“Sharing Links“) through which content from his account (loyalty cards, car documents, other documents or elements available in the Application) can be accessed or copied by other persons.
By using any sharing functionality available in the Application, the User declares and accepts that:
Each User may enrol a maximum number of active payment cards in the Application, as specified in the Application or in this document, issued under the Visa or Mastercard logo. Cards blocked by the issuing financial institution cannot be enrolled.
Certain payment services provided by SelfPay partner financial institutions are subject to specific transaction limits set by them. These limits are detailed in the financial institutions’ terms and conditions applicable to the respective services and are communicated to the User via the Application before and during the use of the services.
The use of change receipts (issued by SelfPay Payment Stations) through the SelfPay Now Application within the Cash2Card cash deposit service is subject to technical limits, established in order to prevent abusive use and ensure safe operation:
The hourly limit is reset at each fixed hour (when moving to the next hour), and the daily limit is reset at each calendar day at 00:00. Upon reaching any of these limits, the Application will display an information message, and the User will not be able to perform additional transactions with remaining change receipts until the relevant interval expires.
SelfPay may update the operational limits mentioned above whenever necessary, for the protection of Users, fraud prevention, operational risk management or compliance with regulatory requirements. Any changes will be communicated to Users as provided in Section 18.
The use of the SelfPay Now Application is free of charge.
However, certain services, products or functionalities available through the Application may be subject to applicable fees, charges, costs or other amounts, depending on the nature of the service or functionality accessed.
The fees or charges applicable to services and functionalities provided directly by SelfPay are established by SelfPay and are displayed in a clear and transparent manner:
The User will be informed of the existence and amount of any applicable commission or fee before confirming the operation or accessing the respective service.
If the User does not agree with the applicable fees or commissions, he/she may refrain from performing the operation or using the respective service before its final confirmation.
The commissions, fees or other costs applicable to services provided by third parties or partner financial institutions through the Application are established by the respective providers and are communicated to the User in accordance with the terms and conditions applicable to the relevant service.
In the case of payment services provided by partner financial institutions, the applicable commissions and financial conditions are regulated by the contractual documentation specific to the respective provider and will be communicated to the User including through the Application.
SelfPay reserves the right to introduce, modify or eliminate fees and commissions applicable to the services and functionalities provided directly by it, in compliance with the provisions of this document regarding the modification of the Terms and Conditions, when they are applicable.
The User is obliged to make all reasonable efforts to prevent or hinder the use of the Application and the services available through it for illegal or unauthorized purposes.
It is prohibited to use the SelfPay Now Application for:
SelfPay cooperates with the competent authorities and may notify the competent state bodies if it finds or suspects the use of the Application for illegal or fraudulent purposes.
It is the User’s obligation and responsibility to:
Any access to the Application made through the correct use of authentication mechanisms will be considered as made by the User holding the account.
The user is obliged to contact SelfPay immediately if he/she notices or suspects that:
Any delay in notifying SelfPay may result in the User being liable for any losses incurred.
SelfPay will never ask Users, via email, SMS or other channels external to the Application, to communicate their PIN code, full card details or other security data or to install remote control applications.
The User is responsible for protecting their own device against viruses, malware and phishing attacks. SelfPay is not liable for losses incurred as a result of the User disclosing security data as a result of phishing attacks or the device being compromised by malware.
The User may close the User Account at any time by accessing the account deletion option available directly in the Application. This action is irreversible. Following the deletion of the account, the User will lose access to the Application and to the functionalities and services available through it. Personal data will be managed in accordance with the provisions of Section 15 and applicable data protection legislation.
SelfPay reserves the right at any time and unilaterally to:
with immediate effect or after prior notice to the User, depending on the applicable circumstances.
SelfPay may adopt any of the above measures including, but not limited to, the following situations:
To the extent possible and permitted by applicable law, SelfPay will inform the User of the measures taken and the reasons for them. SelfPay may refuse prior notification or the provision of certain information if this could compromise applicable security measures or could affect the prevention or investigation of fraud or illegal activities or there are legal obligations or requirements imposed by competent authorities that limit the disclosure of such information.
For the provision of the SelfPay Now Application and the services and functionalities available through it, SelfPay and, where applicable, the relevant partners involved in the provision of certain services may process personal data of Users, in accordance with applicable legislation on the protection of personal data.
Data processing may be necessary, including for the creation and administration of the user account, accessing and providing the accessed services, verifying identity, preventing fraud, ensuring the security of the Application and complying with applicable legal obligations.
Complete information on the categories of data processed, the purposes and grounds of processing, the recipients of the data, the storage period and the rights of the Users are available in the Information Note on the processing of personal data, available in the Application and on the website https://www.selfpay.ro/legal/selfpay-now/gdpr/ .
By using the SelfPay Now Application, the User confirms that he/she has taken note of this information.
The content of the Application is protected by intellectual property rights legislation, including, without limitation, copyright legislation. All rights to the information provided on or through the Application are the property of SelfPay or are used by SelfPay under a license or with the permission of its partners. This includes, without limitation: data, texts, technical sources, graphics, drawings, photographs, illustrations, images, logos, APIs and any other content elements.
The content of the Application may not be reproduced, copied, translated or modified in any way, in part or in whole, without the prior written permission of SelfPay
SelfPay may grant a limited, revocable and non-exclusive license to create a hyperlink to the main page of the Application or the website www.selfpay.ro, as long as such link does not falsely, inaccurately or offensively describe SelfPay, its partners or affiliated entities. The license granted for the hyperlink does not allow the use of SelfPay trademarks without its prior written consent.
Nothing in the content of the Application should be construed as granting implicitly or otherwise any license or right to use any trademark displayed within the Application without the written permission of SelfPay or its partners.
In the event of violation of intellectual property rights, SelfPay will resort to any and all necessary and applicable legal means, including blocking the User’s access within the Application.
SelfPay may modify, update, suspend, limit or eliminate, in whole or in part, functionalities, services, products, content, features or components of the SelfPay Now Application, including as a result of technical, operational, commercial, security or legal or regulatory compliance needs.
The availability of certain services, products or functionalities may depend on:
SelfPay may introduce new services, products or functionalities into the Application, including services provided by third parties or partner financial institutions.
Certain services, products or functionalities may be subject to separate terms and conditions, annexes or additional rules, which will be made available to the User before accessing the relevant service.
SelfPay reserves the right to periodically modify this document, as well as any annexes, rules or special terms and conditions applicable to the use of the SelfPay Now Application and/or the services available through it.
SelfPay will notify Users of the relevant changes by any means of communication deemed appropriate, including through the Application, through in-app or push notifications, by email or SMS or by publishing the updated version on its website www.selfpay.ro.
If applicable law requires compliance with notice periods or special conditions for certain changes, these will be applied in accordance with those requirements.
Certain services, products or functionalities available through the Application may be subject to separate terms and conditions or specific annexes, which may provide special rules regarding their modification.
Continued use of the Application or the services available through it after the entry into force of the changes constitutes acceptance of those changes by the User.
If the User does not agree with the applicable changes, he may at any time cease using the Application and may request the closure of his account, under the terms of this document.
The SelfPay Now application is made available to Users in the form in which it exists at the time of access (“as-is”), without guaranteeing that it will function without interruptions, errors or technical imperfections.
SelfPay makes reasonable efforts to ensure the proper functioning of the Application, but it cannot guarantee that all deficiencies will be identified and remedied immediately after their occurrence. Some technical imperfections may persist for indeterminate periods of time, depending on their nature and the resources required for remediation.
SelfPay does not guarantee the availability, execution, quality or conformity of products or services provided by third parties through the Application and is not liable for their acts or omissions.
To the extent permitted by applicable law, SelfPay is not liable for direct or indirect damages suffered by the User or third parties as a result of:
This document regulates the use of the SelfPay Now Application and constitutes the agreement between SelfPay and the User regarding the use of the Application, in addition to any specific terms and conditions applicable to certain services, products or functionalities available through it.
The rights and obligations of the User resulting from this document are personal and cannot be assigned, transferred or transmitted to third parties without the prior written consent of SelfPay.
SelfPay may transfer, assign, delegate or subcontract, in whole or in part, the rights and obligations resulting from this document to affiliates, partners, successors, subcontractors or other entities involved in providing the Application or the services available through it, without affecting the User’s rights provided by law.
This document is governed by the laws of Romania.
Any dispute arising from or in connection with the use of the Application or this document will be settled by the competent courts of Romania, in accordance with applicable law.
This document is written in Romanian. Any translation into another language is provided for informational purposes only. In the event of differences between versions, the Romanian version will prevail.
If any provision of this document is deemed invalid, illegal or unenforceable, this will not affect the validity of the other provisions, which will continue to have effect to the extent permitted by law.
The fact that SelfPay does not exercise or enforce a right provided for in this document does not constitute a waiver of that right.
The rights and remedies provided for in this document are supplemented by any other rights and remedies available under applicable law.
Any suggestions, ideas, recommendations, observations, comments or other communications sent by the User to SelfPay regarding the Application or the services available through it may be used by SelfPay without any restriction and without the obligation to provide compensation to the User.
This document takes effect from the moment of its acceptance by the User through the SelfPay Now Application, including by checking the appropriate box and/or continuing to use the Application, as the case may be.
For any questions, additional information or assistance related to the Application and the services available through it, the User may contact SelfPay at:
Communication with the User will be carried out mainly by e-mail, at the address indicated when creating the account. SelfPay may also use other methods of communication, such as telephone, SMS, push notifications or in-app notifications.
SelfPay offers Users the possibility to access real-time support sessions through the Live Chat functionality, available in the “Help” section of the Application. During the support session, the User can navigate within the Application while also benefiting from the real-time support provided by SelfPay representatives.
Any User of the Application may file a complaint with SelfPay as soon as he/she becomes aware of the disputed event. The complaint must indicate:
SelfPay will send the User a reasoned response to the complaint within 15 (fifteen) business days from the date of receipt of the complaint. The deadline for registering a complaint is a maximum of 3 (three) business days from the date of its receipt by SelfPay. SelfPay will issue a verbal or written response, by e-mail or by post, to the address specified by the User.
In order to facilitate the resolution of the complaint, SelfPay may request additional information from the User. For complaints that require complex investigations, the response deadlines may be extended. In this case, the User will be contacted by SelfPay within 5 (five) business days from the date of receipt of the complaint and will be informed about the intermediate stage of resolution.
ANNEX NO. 1 TO THE TERMS AND CONDITIONS OF USE – SELFPAY NOW APPLICATION
“Vehicle documents” functionality
This Annex regulates the use of the “Vehicle Documents” functionality available in the SelfPay Now Application and constitutes an integral part of the Terms and Conditions of Use of the SelfPay Now Application.
1. VEHICLE DOCUMENTS FUNCTIONALITY
The “Vehicle Documents” functionality allows you to save your vehicle’s important documents in one place, directly in the SelfPay Now App.
The functionality is designed as a simple and convenient way to have your vehicle documents at hand. It is not a professional archiving service. We recommend that you always keep a backup copy of your documents on your own devices.
You can upload, view, download and delete documents such as: vehicle ID card, registration certificate, insurance or other useful documents at any time.
The experience may vary depending on the device, operating system version and User settings.
If you purchase a vignette through the SelfPay Now App, the officially issued PDF file is automatically saved to the documents of the vehicle for which you made the purchase, to have it at hand.
2. RESPONSIBILITY FOR UPLOADED DOCUMENTS
The documents you upload to the Application belong to you and you decide how you manage or use them. SelfPay does not verify or validate their content, and copies saved in the SelfPay Now Application do not replace the original documents.
Please note that SelfPay cannot guarantee the legal or official value of the documents saved in the Application, as this depends on the legislation applicable to each type of document. Even if some documents can also be recognized in electronic format, we recommend that you always keep an original copy or a backup copy outside the Application.
SelfPay cannot be held responsible for the consequences where the User relies on digital copies stored in the SelfPay Now Application and does not own the original documents. SelfPay does not guarantee that the saved or downloaded documents will be accepted by authorities or third parties.
3. HOW ARE DOCUMENTS STORED AND WHAT LIMITS ARE THERE?
3.1 Storage and availability
SelfPay makes every reasonable effort to keep your documents safe and accessible when you need them.
However, there may be situations where access to documents is temporarily affected or certain files become unavailable, for example due to technical problems, cyber attacks, maintenance or updates to the platforms and the Application, or if the service is interrupted or modified. Therefore, we recommend that you always keep a backup copy of your documents on your own devices.
3.2 Technical limitations
To keep the functionality fast and stable, there are some limits implemented:
These limits may be updated periodically. The current accepted values may also be displayed to Users in the Application interface, before uploading files.
Some new functionality may be introduced gradually or may only be available for certain types of documents or devices.
4. CONFIDENTIALITY AND DATA PROCESSING
Uploaded documents may contain personal information (e.g. registration number, addresses, identification data). SelfPay uses them strictly to provide the “Vehicle Documents” functionality and to allow the User to access saved documents.
SelfPay does not analyze the content of documents or extract data from them, except in cases where we add functionality such as OCR (Optical Character Recognition) autocomplete in the future, in which case we will communicate this to you in the Application or by other appropriate methods.
SelfPay Now Application User Data is protected by appropriate technical and organizational measures, however, as with any online service, we cannot guarantee absolute protection against unauthorized access.
However, the security of your account also depends on you, therefore we recommend that you use trusted devices, secure passwords and do not share access to your user account.
For details, you can consult our Information Note on the protection of personal data available at: https://www.selfpay.ro/legal/selfpay-now/gdpr/ .
5. WHAT YOU ARE NOT ALLOWED TO UPLOAD
We want the SelfPay Now App to remain a safe space for all Users. Therefore, is not allowed to upload:
Please upload only documents relevant to your vehicle and do not use the functionality for other types of content.
SelfPay may delete or restrict access to documents that: a) violate the law, our terms and conditions or the rights of third parties; b) are morally, ethically or may harm SelfPay’s reputation; c) are subject to an official request from an authority.
The User is fully responsible for the legality and authenticity of the uploaded documents.
In order to keep the functionality safe for all Users, SelfPay may temporarily limit or block access to “Vehicle Documents” if we notice abusive use or use that is not in accordance with these terms or the terms of use of the Application. In such cases, we will try to inform you and provide you with steps to remedy the problem, where possible.
6. OPERATION AND DISPLAY QUALITY
We do our best to ensure that your experience is pleasant and stable, but situations may arise in which: a) functionality may experience interruptions, errors, extended loading times, processing or display failures, b) thumbnails, previews or file conversions may have reduced quality or may be generated incorrectly, c) certain devices or software versions may display content differently.
SelfPay does not guarantee the compatibility of the feature with all devices, operating system versions or technical configurations of the User. If you encounter difficulties, our support team is available to assist you.
7. CONTROL OVER THE DOCUMENTS
7.1 User Control
The User has control over the uploaded documents and can, at any time: a) view the documents, b) download them or c) permanently delete them. Deletion initiated by the User is irreversible. If you delete the documents, they can no longer be recovered from the system.
7.2 Deletion by SelfPay
SelfPay will delete the User’s documents in the following situations: a) at the User’s request; b) as a result of a legal provision or requests from a competent authority; c) if the documents violate the law or our terms and conditions; d) if the documents are illegal, non-compliant, morally inappropriate or affect the image or reputation of SelfPay; e) if their maintenance would violate a legal obligation of SelfPay.
In all other cases, the documents remain stored for the duration of the use of the service.
8. LIMITATION OF LIABILITY
We want to provide you with the best possible experience, but there are situations where certain things cannot be guaranteed. SelfPay cannot be held responsible for: a) loss, corruption or damage to files, b) unauthorized access beyond our control, c) technical errors or interruptions of functionality, d) non-functioning, unavailability or reduced performance of functionality, e) incorrect use or interpretation of documents, f) any direct, indirect or consequential damages resulting from the use of the functionality.
9. AUTOMATICALLY SAVED DOCUMENTS
In the case of the purchase of a vignette purchased through the SelfPay Now App, the PDF file issued by the official supplier is automatically saved in the App and attached to the selected vehicle.
The user cannot modify the contents of these files. They can only be viewed or deleted.
Automatically generated documents come exclusively from their official providers. The SelfPay Now Application only displays them for your convenience and does not validate or guarantee their accuracy or validity.
10. MODIFICATION. SUSPENSION. TERMINATION.
SelfPay may update or modify the “Vehicle Documents” functionality whenever necessary. In such cases, we will inform Users in the Application, either before or when the change becomes effective, depending on the nature of the change.
In certain situations, the functionality may be temporarily suspended without notice, for example in the event of maintenance, technical issues or security reasons. However, we will strive to restore the functionality as quickly as possible.
If SelfPay decides to permanently discontinue the “Vehicle Documents” functionality, Users will receive prior notice, in order to have time to download their saved documents before the service is stopped.
ANNEX NO. 2 TO THE TERMS AND CONDITIONS OF USE – SELFPAY NOW APPLICATION
“Loyalty Cards” functionality
This Annex regulates the use of the “Loyalty Cards” functionality available in the SelfPay Now Application and constitutes an integral part of the Terms and Conditions of Use of the SelfPay Now Application.
1. LOYALTY CARDS FUNCTIONALITY
The “Loyalty Cards” functionality offered by SelfPay within the SelfPay Now Application allows Users to add, organize and display loyalty cards, gift cards, reward cards or membership cards (“Loyalty Cards”) issued by third parties, including any third party merchant, service provider or other third party organization that issues such Loyalty Cards (“Issuer”).
The Application acts solely as a convenient tool for Users, enabling them to manage Loyalty Cards issued to them by Card Issuers.
SelfPay does not operate any loyalty program and does not grant, manage, redeem or otherwise administer points, rewards, credits, discounts or other benefits associated with any Loyalty Cards stored in the Application.
SelfPay has no commercial or other relationship with the Issuers. The Issuers are independent third parties, and SelfPay has no authority to act on their behalf or to obligate them in any way.
Loyalty Cards added to the Application are entered and managed exclusively by the User. SelfPay does not verify the authenticity or validity of the cards entered and does not validate the information associated with them.
2. WHAT YOU CAN DO USING THE FUNCTIONALITY
The Functionality allows Users to: (a) store information related to a Loyalty Card saved by a User in the Application, including card numbers, barcodes, QR codes, card image; (b) organize Loyalty Cards using custom categories and labels; (c) access a Card template, which is a pre-configured visual layout within the Application that displays the visual identity of an Issuer to help Users identify and add Loyalty Cards in the Application; (d) display Loyalty Cards stored at relevant points of sale using barcodes, QR codes or card number; and (e) share Loyalty Cards with other Users of the Application.
Card templates are provided for identification and convenience purposes only. They may display the name, logo, colour scheme or other visual identifiers of a Loyalty Card Issuer. These elements remain the intellectual property of the respective Issuers. Brands are displayed solely for the purpose of enabling Users to identify and organize Loyalty Cards issued directly to them by Loyalty Issuers.
SelfPay tries to keep the Card templates accurate and up-to-date, but it does not guarantee that any template reflects an Issuer’s current design, branding or program details. Users are responsible for verifying the Loyalty Card details directly with the relevant Issuer.
The Application does not interact with, access or modify the loyalty program systems of any Loyalty Card Issuer. The Application does not retrieve balance information, point totals, transaction history or other live data from Issuers, unless a specific integration is expressly made available and disclosed to Users.
3. AVAILABILITY
The functionality is made available to Users in the form available in the Application at the time of use. SelfPay makes reasonable efforts to ensure its availability, but does not guarantee uninterrupted or error-free operation. SelfPay may modify, suspend or discontinue, in whole or in part, the functionality at any time.
4. RESPONSIBILITY FOR ADDED CARDS
The User is solely responsible for all data related to Loyalty Cards (QR code, card number, barcode, image, etc.) and other relevant data or information that you enter, upload or store in the Application. SelfPay does not verify the accuracy, validity or authenticity of the data you provide.
By using the Application, the User represents and guarantees that: (a) he/she is the legitimate holder of each Loyalty Card that he/she stores in the Application; (b) all data related to the Loyalty Cards that he/she enters are correct and refer to a card validly and authentically issued by an Issuer; and (c) the use of the Application by the User does not violate the terms and conditions of any Loyalty Card Issuer.
SelfPay is not responsible for any loss of data related to the Loyalty Card stored in the Application, resulting from device malfunctions, errors in the Application, loss of access to the user account or any other cause. You are encouraged to keep independent records of your Loyalty Card details.
5. WHAT IS NOT ALLOWED
The use of the “Loyalty Cards” functionality and related services is not permitted for:
SelfPay may limit or restrict access to functionality or the Application in the event of abusive use or use that is inconsistent with these Terms or the terms of use of the Application.
6. RELATIONSHIP WITH ISSUERS
The SelfPay Application is not affiliated with, sponsored by or connected to the Issuers whose Loyalty Cards may be stored within the App.
The inclusion of a Card template, logo or name of a Card Issuer within the App does not imply any partnership, affiliation, endorsement or approval by the relevant Card Issuer of the App, SelfPay or these Terms.
The Application does not guarantee that a Loyalty Card saved within the App will be accepted at points of sale. Acceptance of a digitally stored Loyalty Card is at the sole discretion of the relevant Card Issuer and/or its personnel.
SelfPay is not an authorized representative, reseller, agent, partner or franchisee of any Issuer. Any communication, claim or dispute regarding Loyalty Cards should be addressed directly to the relevant Issuer. SelfPay cannot intervene, mediate or settle disputes between Users and Card Issuers.
The terms, conditions, benefits, points balance, expiration rules and policies applicable to any Loyalty Card are governed solely by the agreement between the User and the relevant Issuer. SelfPay is not a party to this agreement and nothing in these Terms shall modify or supersede it.
SelfPay is not responsible for and has no control over: (a) any changes a Card Issuer makes to its loyalty program, including the closure, modification or devaluing of points; (b) a Loyalty Card Issuer’s decision to refuse to accept a digitally presented Loyalty Card; (c) any loss of points, rewards, benefits or rights arising from the use or non-use of a Loyalty Card; or (d) any act or omission of a Card Issuer in connection with a loyalty program.
7. SHARING LOYALTY CARDS
The functionality allows the User to share a Loyalty Card stored in the Application with other Users of the Application, via a sharing link generated by the Application.
The sharing mechanism works as follows:
The Source User is solely and exclusively responsible for the decision to share a Loyalty Card, the choice of recipients and any consequences arising from this action. By initiating the Share, the Source User represents and warrants that:
SelfPay is not responsible for any loss of points, rewards or benefits, for any unauthorized use of a shared Loyalty Card, nor for any other consequence resulting from the use of the sharing functionality by the User.
The source User is encouraged to check in advance whether the terms and conditions of the Issuer allow for the sharing or multiple use of a Loyalty Card. SelfPay is not aware of and does not check these terms for each individual Issuer.
8. MODIFICATION. SUSPENSION. TERMINATION.
SelfPay may update or modify the functionality whenever necessary. In such cases, we will inform Users in the Application, either before or at the time the change becomes effective, depending on the nature of the change.
In certain situations, the functionality may be temporarily suspended without notice, for example in the event of maintenance, technical problems or security reasons. However, we will strive to restore the functionality as quickly as possible.
If SelfPay decides to permanently terminate the functionality, Users will receive prior notice.
ANNEX NO. 3 TO THE TERMS AND CONDITIONS OF USE – SELFPAY NOW APPLICATION
Account information service (Open Banking)
This Annex describes the conditions applicable to the account information functionality (Open Banking) available in the SelfPay Now Application, provided through a partnership with an authorized account information service provider. This Annex constitutes an integral part of the Terms and Conditions of Use of the SelfPay Now Application.
The account information service (Open Banking) available in the Application is provided by IRIS Solutions OOD, a company authorized as an account information service provider (AISP) by the competent authority in Bulgaria and registered/notified in Romania in accordance with the provisions of Law no. 209/2019 on payment services and on amending certain normative acts, as subsequently amended and supplemented.
SelfPay acts exclusively as a technical channel for displaying information provided by IRIS Solutions OOD and does not provide account information services within the meaning of Law no. 209/2019 (PSD2). The contractual relationship for the account information service is established directly between the User and IRIS Solutions OOD, based on its terms and conditions, accessible at selfpay.ro/legal.
Access to the account information service is subject to the explicit and informed consent of the User, prior to any access to bank account information. Consent is granted for a maximum period (180 calendar days) in accordance with the regulations applicable to account information services.
Upon expiry of the period, the User must renew the consent. The User may withdraw the consent granted at any time by accessing the connected bank account management section of the Application, with immediate effect on access to the account in question.
On the date of entry into force of this Annex, the service is compatible with accounts opened at: Banca Comercială Română (BCR), Banca Transilvania (BT), UniCredit Bank, Raiffeisen Bank, ING Bank and Revolut Bank. The list of compatible credit institutions may be updated periodically and published within the Application.
By using the service, the User authorizes access to information from selected bank accounts exclusively for the purpose of displaying them in the Application. Data taken from bank accounts are displayed in real time and are not stored by SelfPay after the end of the usage session.
The processing of personal data is governed by the privacy policy of IRIS Solutions OOD available at www.selfpay.ro/legal and by the Information Note on the protection of personal data of SelfPay available at: https://www.selfpay.ro/legal/selfpay-now/gdpr/
The use of the account information service implies acceptance of the terms and conditions of IRIS Solutions OOD, available at selfpay.ro/legal. SelfPay is not a party to the contractual relationship between the User and IRIS Solutions OOD and is not responsible for the availability, accuracy or updating of the information provided through this service.
SelfPay does not guarantee the accuracy, completeness or timeliness of the information retrieved from the User’s bank accounts and is not responsible for any errors or delays caused by factors beyond its control, including interruptions in services provided by credit institutions or IRIS Solutions OOD. The User is responsible for verifying the accuracy of the information displayed and for any decision made based on it.
ANNEX NO. 4 TO THE TERMS AND CONDITIONS OF USE – SELFPAY NOW APPLICATION
Specific conditions regarding the distribution of partners’ products through the Selfpay Now Application
This Annex is an integral part of the Terms and Conditions of Use of the SelfPay Now Application and establishes the specific conditions applicable to the purchases of SelfPay partners’ products, distributed through the Application.
1. THE ROLE OF SELFPAY. GENERAL FRAMEWORK
Through the SelfPay Now Application, SelfPay offers Users the opportunity to purchase products and services belonging to third-party partners (“Suppliers“), acting as a distributor or intermediary, pursuant to the distribution and/or intermediation contracts concluded with them.
SelfPay may act, as the case may be, in the name and on behalf of the Supplier or as an independent distributor that resells the Supplier’s products. The capacity in which SelfPay acts for each category of products or services is indicated within the purchase flow in the Application.
Unless expressly stated otherwise, SelfPay is not the supplier of the product or service distributed and is not responsible for its content, quality, conformity or execution.
By completing a purchase through the Application, the User enters into a direct contractual relationship with the Supplier of the respective product or service, under the conditions established by the latter.
The Supplier’s terms and conditions applicable to the purchase are brought to the User’s attention during the purchase flow, prior to the completion of the transaction, and are deemed accepted at the time of order confirmation.
This Annex applies to all products and services distributed by SelfPay as an intermediary or distributor, with the exception of insurance distribution services, which are subject to an annex with separate terms and conditions.
2. COMMON PROVISIONS – APPLICABLE TO ALL PRODUCTS DISTRIBUTED
The price of the products and services distributed is displayed in the Application at the time of purchase and corresponds to the Supplier’s tariff. SelfPay does not charge the User any additional fees or charges for the distribution service, except in cases where this is expressly indicated in the purchase flow.
Payment is made in full at the time of purchase, through the payment methods available in the Application. Confirmation of payment also represents confirmation of the order.
Upon successful completion of each purchase, the Application generates and makes available to the User a purchase confirmation document. This document certifies the transaction and can be accessed in the transaction history in the Application.
Important
The confirmation document issued by SelfPay is for informational purposes only and confirms the payment made through the Application. It does not represent a tax receipt within the meaning of tax legislation and does not replace the documents issued by the Supplier (invoice, tax receipt, order confirmation, etc.), if applicable.
The delivery or provision of the purchased product or service is the sole responsibility of the Supplier, under the conditions and terms established by it.
Unless expressly provided otherwise, any issue relating to the delivery or provision of the product/service will be addressed directly to the Supplier, through the contact channels indicated within the purchase flow or in its terms and conditions.
The right of withdrawal and the conditions for return or refund are established by the Supplier and communicated to the User before the purchase is completed.
Certain product categories may be subject to limitations or exclusions of the right of withdrawal, under the conditions provided for by consumer rights legislation or other applicable regulatory acts, in particular in the case of digital content delivered immediately or products issued/activated at the time of purchase.
SelfPay does not process returns or refunds on its own initiative for products distributed as an intermediary.
Requests for return or refund are addressed directly to the Supplier, according to its policy. To the extent that the Supplier approves the return, SelfPay will refund the amount to the User, within the terms agreed with the Supplier.
Complaints regarding the quality, compliance, delivery or any other aspect related to the distributed product or service are addressed directly to the Supplier, to the contact details indicated in its terms and conditions or within the Application.
SelfPay can provide technical support to the User in relation to the operation of the Application and the purchase process, but does not have the competence to settle complaints regarding the products or services of the Supplier.
As the SelfPay Now Application provides a wide and varied range of distributed products and services, the specific conditions of each product or service (including the Supplier’s terms and conditions, restrictions of use, delivery conditions, limitations on the right of withdrawal and any relevant warnings) are presented to the User in the purchase flow of the Application, before confirming the order.
This specific information is an integral part of the contractual relationship between the User and the Supplier and is considered known and accepted by the User by completing the purchase.
Confirming the order in the Application implies:
The specific conditions of the distributed products may be updated by SelfPay or by the Suppliers without prior notice, to the extent that the changes reflect changes in the commercial offer or the applicable legal framework. The conditions applicable to each transaction are those displayed in the Application at the time of purchase.
4. COMPLAINTS REGARDING PAYMENTS MADE
Any complaint regarding the payment made through the Application may be addressed to SelfPay, according to the procedure set forth in Section 21 of the Terms and Conditions of Use of the SelfPay Now Application.
SelfPay will make reasonable efforts to assist the User in analyzing and resolving problems reported in connection with payments made through the Application, including by facilitating communication with the relevant Suppliers or partners involved in processing the transaction.
ANNEX NO. 5 TO THE TERMS AND CONDITIONS OF USE – SELFPAY NOW APPLICATION
Specific conditions regarding the making of payments and the settlement of payment obligations
This Annex is an integral part of the Terms and Conditions of Use of the SelfPay Now Application and regulates the use of the functionality through which certain payment obligations towards payment beneficiaries can be made.
1. FUNCTIONALITY DESCRIPTION
Through the SelfPay Now Application, Users can make payments related to payment obligations to various beneficiaries available in the Application, including utility providers, public institutions and authorities, financial institutions, merchants and other beneficiaries of payments available at a given time in the Application.
Depending on the selected beneficiary and the applicable operating model:
In the case of services provided by partner financial institutions, the use of the service is subject to the terms and conditions applicable to the respective provider. SelfPay acts as the provider of the Application and the technical infrastructure that allows access to the service.
The type of service used to make the payment may depend on:
Accepted payments are expressed in national currency (RON).
2. AVAILABLE PAYMENT CATEGORIES
The Application supports, among others, the following categories of payments:
The availability of a particular beneficiary or payment category may vary and is determined by existing contractual relationships, by the availability of relevant providers and/or the availability of services provided by partner financial institutions.
3. PAYMENT FLOW
To make a payment, the User goes through the following steps in the Application:
Upon completion of the transaction, the User receives in the Application a confirmation of acceptance or rejection of the payment.
4. PAYMENT CONFIRMATION
The payment confirmation issued in the Application attests to the acceptance and processing of the operation according to the flow applicable to the service used. The payment confirmation does not represent a fiscal document and does not substitute the documents issued by the payee or the relevant supplier, if these are necessary for the User.
5. REJECTED PAYMENTS AND RETRIES
If a payment is not accepted or cannot be processed (regardless of the reason: refusal by the card issuing bank, refusal by the partner financial institution, incorrect data, technical error or other operational reasons), the User is notified in the Application.
Depending on the applicable operational flow and the stage of processing of the operation, the amount blocked on the card may be automatically unblocked; the operation may be cancelled; or the User may be provided with additional information regarding the status of the operation. The User may retry the payment.
6. SERVICE AVAILABILITY AND LIMITATIONS
The availability of making payments to a specific beneficiary also depends on:
SelfPay does not guarantee the continuous availability of making payments to all beneficiaries and is not responsible for the temporary impossibility of making a payment caused by the unavailability of the systems of third parties involved in processing the operation.
SelfPay may suspend, limit or temporarily or permanently eliminate the possibility of making payments to certain beneficiaries, without prior notice, including for technical, operational, commercial, security, compliance reasons or as a result of changes in contractual relationships with beneficiaries or relevant partners.
7. COMPLAINTS REGARDING PAYMENTS MADE
Any complaint regarding a payment made through the Application may be addressed to SelfPay in accordance with the procedure set out in Section 21 of the Terms and Conditions of Use of the SelfPay Now Application.
Depending on the nature of the service used and the applicable operating model, certain complaints may require the involvement of the payee, the partner financial institution or other participants involved in the processing of the operation.
SelfPay will make reasonable efforts to assist the User in analyzing and resolving problems reported in connection with payments made through the Application, including by facilitating communication with relevant partners involved in processing the operation.
ANNEX NO. 6 TO THE TERMS AND CONDITIONS OF USE – SELFPAY NOW APPLICATION
Insurance
This Annex regulates the conditions applicable to the insurance distribution services available through the SelfPay Now Application, as an authorized distribution channel. This Annex constitutes an integral part of the Terms and Conditions of Use of the SelfPay Now Application and prevails over them to the extent that there are contrary provisions regarding the insurance service.
The terms defined in the Terms and Conditions of Use of the SelfPay Now Application have the same meaning in this Annex, unless the context requires otherwise.
The use of insurance distribution services is optional and subject to express acceptance of this Annex, the information documents specific to each insurance product and the terms and conditions of the relevant insurer, made available prior to the conclusion of any insurance policy.
1. IDENTITY OF THE PROVIDERS INVOLVED
The insurance brokerage services available through the SelfPay Now Application are provided by SelfPay S.A., a company registered with the Trade Register Office under no. J2009009919407, unique identification code RO26067497, with headquarters in Bucharest, 153–155 Dacia Blvd., floors 5–7, District 2 (hereinafter referred to as “SelfPay”).
SelfPay acts as a secondary insurance intermediary, assistant to Otto Broker de Asigurare SRL, being registered with the Financial Supervisory Authority in the Register of Secondary Intermediaries – Unique Code 569866.
SelfPay facilitates the distribution of insurance products through the SelfPay Now Application, as an electronic means of distribution, within the limits of the mandate conferred by Otto Broker de Asigurare SRL.
Otto Broker de Asigurare SRL is a brokerage company authorized by the Financial Supervisory Authority (A.S.F.), registered in the Register of Principal Intermediaries maintained by ASF with number RBK-001 (for verification www.asfromania.ro).
The contractual relationship for each insurance product is established directly between the User and the respective insurer, mediated by Otto Broker de Asigurare SRL, with the help of SelfPay as a brokerage assistant.
”Insurer” – direct life insurance company or direct general insurance company, which is authorized to operate in accordance with the provisions of Law no. 237/2015 on the authorization and supervision of insurance and reinsurance activity.
”Insurance contract” is that contract under which the insurance contractor or the insured undertakes to pay a premium to the insurer, and the latter undertakes, in the event of the insured risk occurring, to pay an indemnity, as the case may be, to the insured, the insurance beneficiary or the injured third party.
”Insurance contractor” is the person who concludes the contract to insure a risk concerning another person or for their goods or activities and undertakes to pay the insurance premium to the insurer.
“Count/Calculation” – estimated calculation of the insurance price based on the data provided by the user, without the need for user authentication.
“Offer” – the document issued by Selfpay, based on the information provided by the user, necessary to conclude an insurance contract,
2. AVAILABLE INSURANCE PRODUCTS
Through the SelfPay Now Application, the User can access, depending on availability at the time of use, various categories of insurance products, including but not limited to::
The available insurance products may be modified, expanded or restricted periodically, depending on the insurance distribution contracts concluded by Otto Broker de Asigurare SRL with the insurers.
The updated list of available products is displayed in the Application, in the dedicated section, when accessing the service.
Each insurance product is provided by an authorized insurer, whose identity is communicated to the User before the conclusion of the insurance contract, together with the product-specific information documents..
The user will use the application only for legal purposes and under conditions of fairness.
Thus, the user:
Violation or attempted violation of the security of computer systems or networks falls under the scope of criminal law, any violation of the law may be reported by Selfpay to the competent authorities and will be sanctioned according to the law.
If the user violates (deliberately or involuntarily) the Terms and Conditions of Use of the SelfPay Now application, Selfpay will be exempted from liability with regard to any possible claim from a user or a third party, direct or indirect, resulting from or related in any way to the use or degree of performance of the services offered through the SelfPay Now application, liability for the damage created belonging exclusively to the user.
The user notes that:
The information presented is general and cannot replace the specialized advice that can be offered to customers/potential customers after analyzing their needs and requirements. Also, they do not represent a recommendation to take certain actions or inactions, or to purchase a certain type of insurance, recommendations can be issued only at the request of customers/potential customers, according to the information provided by them. Selfpay will not be held liable for any damage created in relation to the use of the SelfPay Now application and the information it contains or any other losses caused by errors, omissions, defects, delays or interruptions in operation or transmission, viruses or any other similar factors. At the same time, Selfpay cannot be held liable for any loss that may arise from the use of the SelfPay Now application or from the use of the services or information provided.
3. PRE-CONTRACTUAL INFORMATION
Before purchasing any insurance policy, the User has the right and obligation to review the information documents made available in the Application, which include, depending on the insurance product:
The information documents are made available to the User in electronic format within the purchase flow in the Application and the IPID and the General Insurance Conditions of the insurer can be downloaded or saved by the User at any time..
At the time of initiating the purchase process (accessing the configuration/finalization page of an insurance policy), the User receives a customer needs analysis form by email, regardless of whether the purchase is completed or not.
The form contains information about the insurance product configured by the User and is submitted exclusively for the purpose of fulfilling the legal obligation to analyze needs, pursuant to Law no. 236/2018. Submitting the form does not represent a firm insurance offer and does not oblige the User to purchase the product.
The purchase of an insurance policy is subject to the express confirmation of the User through the technical means made available through the Application (e.g., checking the consent box, including in certain situations by OTP (One-Time Password) code sent to the phone number registered in the Application) that he has reviewed and understood the relevant information documents, including the client needs analysis form when applicable.
The absence of express confirmation or refusal of electronic signature blocks the completion of the purchase.
SelfPay and Otto Broker de Asigurare SRL provide the User with information and facilitate the purchase of insurance products available in the Application, without providing personalized advice on the suitability of an insurance product to the User’s individual needs, unless this is expressly provided and indicated as such in the Application.
The user is responsible for assessing the suitability of the chosen insurance product for their own needs, based on the information documents and the needs analysis form provided..
4. THE PROCESS OF PURCHASING AN INSURANCE POLICY
The purchase of an insurance policy through the SelfPay Now Application is carried out exclusively electronically and involves completing the following main steps:
The User is solely responsible for the accuracy, completeness and timeliness of the data provided during the process of purchasing an insurance policy. The User is obliged to verify the accuracy of the data entered.
SelfPay does not verify or guarantee the accuracy of the information entered by the User and relies exclusively on it in sending the request to Otto Broker de Asigurare SRL and, as the case may be, to the insurer.
SelfPay is not responsible for the consequences of providing incorrect or incomplete data by the User, including any differences in premium or non-coverage of risks as a result of incorrect declarations.
SelfPay is not responsible for the impossibility of issuing the policy, the modification of the insurance premium, the refusal to issue the policy or any other consequences generated by the provision of erroneous, incomplete or outdated data by the User.
The insurance policy is issued only after confirmation of successful processing of the insurance premium payment. The policy is not issued without confirmed proof of payment.
The issued insurance policy is sent to the User by e-mail, to the address registered in the Application, attached in PDF format, and is also available in the dedicated section of the User’s account in the Application.
5. INSURANCE PREMIUM – COLLECTION AND PAYMENT
The insurance premium is communicated to the User before confirming the purchase and represents the amount due to cover the insured risk for the duration of the insurance contract.
Payment of the insurance premium is made exclusively by electronic payment methods accepted in the Application (bank card or other available methods).
The insurance premium communicated to the User is calculated based on the data entered by him and the insurer’s rates at the time of calculation. SelfPay cannot guarantee the availability of the same premium at a later date or for different dates.
If the insurance premium calculated and collected proves to be incorrect for reasons not attributable to the User (system or pricing errors), the difference, if in favor of the User, will be refunded in accordance with the procedures of Otto Broker de Asigurare SRL and the insurer.
6. CONDITIONS FOR TERMINATING THE INSURANCE CONTRACT. RIGHT OF WITHDRAWAL
The user may terminate the insurance contract in the cases and under the conditions expressly provided for in the respective insurance contract or in the special law regulating the respective contract..
The individual user has the right to terminate optional insurance contracts concluded remotely within 14 calendar days from the conclusion of the contract/receipt of the policy and the contractual conditions, without penalties and without the need to invoke any reason, respectively 30 calendar days for withdrawal from contracts that have as their object personal pensions (GEO no. 34/2014).
Without prejudice to the rights provided for the benefit of consumers by GEO no. 34/2014 on consumer rights in contracts concluded with professionals, as well as for the amendment and completion of certain normative acts, with regard to the right of withdrawal from compulsory insurance regulated by laws, norms or other special normative acts, the termination or waiver of the user (as contractor or insured, natural person) from the contract can only be made under the conditions specified in the normative acts regulating the respective insurance, supplemented with the provisions of the insurance contract, if applicable. At the same time, according to GEO no. 34/2014, when another act of the European Union or the act transposing a regulation of the European Union regulating specific financial services contains provisions on the information to be provided to the consumer before the conclusion of the contract, the provisions thereof shall apply to the respective specific financial services regardless of the level of detail of these provisions, unless otherwise provided in the respective act.
In the case of compulsory third party liability insurance for damages caused by vehicle accidents, the specific regulations for this insurance apply, as provided for by Law No. 132/2017 on compulsory third party liability insurance for damages caused to third parties by vehicle and tram accidents and its application rules..
Compulsory home insurance cannot be terminated/cancelled at the consumer’s request, after the insurance premium has been paid, the provisions of Law no. 260/2008 on compulsory home insurance against earthquakes, landslides and floods – republished and its implementing rules are applicable. Multiannual PAD contracts may terminate in the event of non-compliance with the provisions relating to the payment of the insurance premium, in which case the multiannual contract shall be effective until the last day of validity of the contractual year for which the premium has been fully paid. In the event that the annual PAD contract terminates, the amount corresponding to the value of the compulsory premium shall not be refunded..
If the optional insurance contract has started to take effect during the notification period, the insurance premium will be refunded pro rata and to the extent that no insured events have occurred and/or there are no notified damages under the respective insurance contract/policy.
In all situations where the insurer has received and approved a request for withdrawal/termination/termination of an insurance contract from an insured/contractor, the only one able to refund the insurance premium related to that contract is the insurer. Thus, Selfpay, as an assistant and Otto Broker, as a brokerage company, provide assistance to buyers/insureds in the process of terminating/withdrawing from an insurance contract, upon their request, but cannot be held responsible in any situation for any obligation to refund an insurance premium paid by the client for a terminated insurance contract.
If damages have been recorded before the contract is terminated as provided for in this chapter, the insurance premiums for the period remaining until expiration shall not be refunded.
Requesting to cancel a contract is done by sending a cancellation request via email to comandaonline@ottobroker.ro or to contact@ottobroker.ro or directly to the respective insurer. The decision to approve the request to cancel a specific contract/insurance policy belongs exclusively to the insurer that issued the insurance policy.
According to the insurers’ working procedures, the deadline for refunding insurance premiums in the case of insurance policies/contracts is 30 calendar days from the receipt of the termination notification by the user.
The right of withdrawal does not apply to travel and luggage insurance policies or similar short-term insurance policies with a duration of less than one month, nor to contracts whose execution has been fully carried out by both parties, at the express request of the consumer, before he exercises his right of withdrawal.
In all situations where it is permitted, in compliance with the applicable legal provisions, the consumer may exercise his right of withdrawal from insurance contracts towards the insurer that has subscribed to the respective insurance contract. Considering Selpay’s status as a secondary insurance intermediary and Otto Broker’s status as a primary insurance intermediary, in the event of receiving a request for withdrawal/denial/termination of insurance contracts, Otto Broker will forward the request formulated by the consumer to the insurer that issued the insurance policy in order to resolve the matter.
7. POLICY DURATION, NOTIFICATIONS AND RENEWAL
The duration of the insurance contract is communicated to the User before purchase and is included in the issued insurance policy. The policy terminates by law upon expiration of the term, if not renewed under the conditions established by the insurer..
SelfPay sends the User informative notifications regarding the approaching expiration date of the insurance policy, exclusively if the User has expressed his/her optional consent in this regard during the purchase process of the respective policy. The notifications are sent by e-mail, so:
The User may withdraw this consent at any time, through the contact means indicated in Section 21 of the Terms and Conditions of Use of the SelfPay Now Application. Following the withdrawal of consent regarding the aforementioned communications, Selfpay and Otto Broker cannot be held liable for any loss suffered by the User.
Expiration notifications are purely informative and do not constitute an automatic renewal of the insurance contract. The renewal of the insurance policy is carried out by going through a new purchase flow in the Application, with the verification and updating of the relevant data and with the new acceptance of the information documents. Automatic renewal is not allowed without the express confirmation of the User.
8. CLAIMS NOTIFICATION AND INSURANCE CONTRACT MANAGEMENT
SelfPay does not manage notices, claims or damage notifications. Any notification of damage related to the insurance policy is carried out exclusively through the channels and under the conditions indicated in the insurance policy and established by the insurer.
Changes to the insurance contract (identification data, insured amounts, data regarding the insured property, etc.) are made by contacting Otto Broker de Asigurare SRL or the insurer, according to the procedures indicated in the insurance policy.
Contact details Otto Broker de Asigurare SRL: Bucharest, District 2, 4 Ramuri Tei Street, Floors 3 and 4; e-mail: suportvanzari@ottobroker.ro.
9. COMPLAINTS
Complaints regarding the insurance distribution activity carried out by SelfPay or Otto Broker de Asigurare SRL can be addressed to:
SelfPay will provide assistance to the User in resolving any issues related to the insurance distribution activity, including facilitating communication with Otto Broker de Asigurare SRL and the relevant insurer.
Complaints regarding the execution of the insurance contract (compensation, coverage, premiums, etc.) are addressed directly to the insurer, according to the procedures indicated in the insurance policy.
The user has the right to notify the Financial Supervisory Authority (A.S.F.) regarding the insurance distribution activity, according to the procedures published on the official website of A.S.F.: www.asfromania.ro.
10. PROCESSING OF PERSONAL DATA
During the process of purchasing the insurance policy, the User’s personal data necessary to conclude the insurance contract are collected by SelfPay through the Application and transmitted to Otto Broker de Asigurare SRL, as data controller, and, through it, to the relevant insurer.
Depending on the insurance product, the categories of personal data processed include:
Personal data provided for the purpose of purchasing the insurance policy are processed pursuant to the execution of the insurance contract and the fulfillment of legal obligations applicable to insurance distribution.
From the perspective of processing personal data within the insurance flow, SelfPay acts as a data processor of Otto Broker de Asigurare SRL (operator), in accordance with Regulation (EU) No. 2016/679 (GDPR) and the contractual provisions between the two parties..
The privacy policy of Otto Broker de Asigurare SRL, available on the website www.ottobroker.ro, regulates the data processing carried out by Otto Broker as the operator. The processing of personal data by SelfPay as the provider of the Application is regulated by the Information Note on the protection of personal data available at: https://www.selfpay.ro/legal/selfpay-now/gdpr/ .
The user has the right to access, rectify, delete or restrict the processing of his/her personal data, to object to the processing and to request data portability, by contacting SelfPay or Otto Broker de Asigurare SRL at the addresses indicated above, as well as the right to file a complaint with the National Supervisory Authority for Personal Data Processing (ANSPDCP).
11. AVAILABILITY OF INSURANCE DISTRIBUTION SERVICES
SelfPay takes all reasonable care to ensure the continuous operation of the insurance distribution services available through the Application. However, the services may be suspended, limited or temporarily unavailable, in whole or in part, including as a result of maintenance work, updates, technical interventions, security incidents, changes to services provided by third parties or for any other objective reasons.
SelfPay may temporarily suspend the provision of insurance distribution services, without prior notice, when this measure is necessary to protect the security of the Application, to comply with legal or contractual obligations or to perform necessary technical interventions.
The suspension or temporary unavailability of services does not affect the validity of insurance policies already issued.
The insurance distribution services available through the Application involve the use of information systems and services provided by Otto Broker de Asigurare SRL, insurers, payment processors and other providers involved in the process of issuing and administering insurance policies. SelfPay is not responsible for delays, errors, the impossibility of facilitating the issuance of an insurance policy or other malfunctions caused by the unavailability, improper functioning or interruption of the systems or services provided by these third parties.
12. AMENDMENT AND UPDATING OF THIS ANNEX
SelfPay reserves the right to modify and update, at any time, this Annex, for any reason it deems justified, including, but not limited to, legislative or regulatory changes, changes to contractual relationships with Otto Broker de Asigurare SRL, changes to the functionalities of the Application, technical, operational or commercial changes, as well as the expansion, restriction or modification of the range of insurance products available through the Application.
Continued use of insurance distribution services after the changes become effective constitutes acceptance of the updated version of this Appendix.
If the User does not agree with the changes made, he/she may cease using the insurance distribution services available through the Application, without this cessation affecting the validity of insurance policies already issued and in force.