Legal disclosure - ERSTE

GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L. (hereinafter, "MoneyToPay") is the titleholder of this MoneyToPay web page or portal (www.moneytopay.at).

Access and use of MoneyToPay website and the access to the information on any of the products and services contained therein implies acceptance of the conditions foreseen in this legal notice/imprint. We therefore recommend you read its content carefully if you wish to access and make use of the information and the services offered on the MoneyToPay website.

These conditions are valid for all users of the website from the date of its latest update. MoneyToPay reserves the right to modify them at any time, in which case they will become effective from their publication and will be applicable to all users of the website from this date.

In no event do the contents of the portal, particularly informative and advertising references, constitute a binding offer unless expressly stated otherwise. MoneyToPay reserves the right to introduce modifications or partially or totally omit the current contents of the MoneyToPay website when it deems fit and to prevent or restrict access either temporarily or permanently.

MoneyToPay complies with all current legislation in the area of data protection and meets the commitments to confidentiality appropriate to its business.

MoneyToPay has taken appropriate technical measures to ensure an adequate level of security given the nature of the personal data processed and the circumstances of their processing and risks to people's rights and freedoms, in order to avoid, as far as possible and always subject to the state of technology, any unauthorised alteration, loss, processing or access to the said data.

When the client or user is asked to fill in a form in which personal data are gathered, the client or user will be informed, among other matters, of the identity and address of the party responsible for processing, of the purpose for which the data are gathered, of the legal basis for their processing, of the addressee of the information, of the period for which their data will be kept, and of their entitlement to exercise their rights of access, correction, deletion, limitation of processing and portability of their data, among others. The personal data gathered will only be processed and/or passed on for the purpose stated, and always with the consent of the user or client, unless there are other legal grounds for their processing. You can find out more about the processing of clients and users' personal data by MoneyToPay in the Privacy Policy.

To ensure that the information contained in our files is always up to date and does not contain errors, we ask our clients and users to inform us as promptly as possible of any changes or corrections to their personal data.

Some of the pages of the MoneyToPay website can contain cookies, which are small data files generated in the computer of the user or client that enable our systems to remember the language, and other user browser features or preferences from his or her first session. These cookies are neither invasive nor harmful and do not contain data of a personal nature because their only function is to personalise browsing, as mentioned above. If you so wish, you may deactivate and/or eliminate these cookies by following the instructions that appear in our security recommendations.

MoneyToPay's web uses cookies, which are small data files that are stored in the user or customer's computer and allow our systems to remember characteristics or preferences of his/her navigation through our web pages. The cookies can then be used to:

• - personalise access on follow-up visits
• - make navigation more secure
• - collect statistical information on the navigation done and
• - discover user preferences.

The cookies policy of MoneyToPay is subject to the EU and Spanish regulations in force concerning personal data processing and to the protection of privacy in electronic communications. By virtue of this, MoneyToPay will inform users of the cookies it deploys on each and, when necessary, will request the user's consent to their deployment.

For more information, please see:

Information concerning the cookies used

Any type of use, including all types of reproduction, distribution, transfer to third parties, public broadcast and transformation, on any type of format or medium, of the abovementioned works, creations and distinctive emblems without the prior and express authorisation of their respective owners is prohibited. Failure to comply with this prohibition could represent a breach punishable by effective legislation.

The user, on his or her own account and at his or her own risk, may nonetheless download or copy such elements exclusively for personal use, provided that this does not breach any of the intellectual or industrial property rights of MoneyToPay. In particular, he or she may neither totally nor partially alter, modify or suppress them. In no event does this imply authorisation or licence regarding the ownership rights of MoneyToPay.

Except in the events expressly authorised by MoneyToPay, the establishment of links or hyperlinks from the portals or websites of third parties to the web pages of MoneyToPay other than the homepage of its portal, which may be accessed at the URL http://www.moneytopay.com, or the URL that may replace it in the future, is prohibited, as is the presentation of the web pages of MoneyToPay or the information contained therein as frames, distinctive emblems, trademarks or the corporate or commercial names of another person, company or institution.

MoneyToPay does not guarantee

• - continuous access,
• - proper display,
• - download or
• - utility

of the elements and information contained on the pages of the MoneyToPay website, which may be prevented, hindered or interrupted by factors or circumstances out of its control.

MoneyToPay will not be responsible for the information and other items incorporated on the websites or web pages of third parties that are accessible from the MoneyToPay portal by means of hyperlinks or links, or for information and other items incorporated on the websites or web pages of third parties from which the MoneyToPay portal or any of its web pages is accessed by means of hyperlinks or links, or for the information and contents of any third-party web page that features the appearance or distinctive emblems of MoneyToPay, except upon express authorisation of the latter.

MoneyToPay accepts no liability whatsoever regarding the information, contents of all types, products and services offered or provided by third parties through the MoneyToPay website, even if they belong to the same economic group, and, particularly, for damages of any kind that, in association with the above, may arise because of:

• 1) lack of or errors in the information provided to users or in its veracity, accuracy and sufficiency;
• 2) non-compliance or defective or unpunctual compliance with the contracts or pre-contractual relations;
• 3) non-compliance with its commitments to information society service providers;
• 4) breach of the rights of consumers and users;
• 5) breach of intellectual and industrial property rights; performance of acts of unfair competition or illegal advertising;
• 6) breach of the right to the protection of data; professional secrecy and of the rights to honour, to personal and family privacy and to the image of persons;
• 7) in general, non-compliance with any applicable laws, customs or codes of conduct and
• 8) any decision taken on the basis of the information supplied through the MoneyToPay portal.

Neither MoneyToPay nor the information providers as third parties accept any liability whatsoever for damages, losses, claims or expenses arising from:

• 1) interferences, interruptions, failures, omissions, telephonic breakdowns, delays, blockages or disconnections in the operation of the electronic system, caused by defects, overloads and errors in telecommunications lines and networks or by any other cause outside the control of MoneyToPay;
• 2) unlawful intromissions through the use of malware of any type and through any means of communication, such as computer viruses or any other;
• 3) improper or inadequate use of the web pages of MoneyToPay;
• 4) security or browsing errors produced by malfunction of the browser or by the use of versions thereof that have not been updated.

© GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L.

GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L.,
Avda. Manoteras, 20 Ed Paris
28050 Madrid
SPAIN

Registered Seat of headquarters in Madrid
GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L., is duly registered in the Special Registry for Electronic Money Institutions of the Bank of Spain with No. 6702 and in the Register of Companies of Madrid, volume 36639, folio 1, sheet M-657263, registration 1
Authorization and Competent supervisory authority:GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L.,is an e-money institution incorporated in Barcelona on 7 September 2012, upon authorization of the Ministry of Economy of Finance and subject to the supervision of the Bank of Spain.

Media owner and publisher of the website
GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L.

Disclaimer – important legal notice
GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L. has endeavoured all reasonable measures to assure that all supplied information on this website is complete and correct at the time of display. Even so unintended and accidental errors may happen, for which we apologize.

Modifications
GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L. reserves the right to make modifications and supplementals to the supplied information without prior notice.

Links
GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L.does neither verify the content nor the legality of other websites it links to. GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L.has no influence on the design of these websites and dissociates itself explicitly from the displayed, possibly unlawful content. Furthermore GLOBAL PAYMENTS MONEYTOPAY, EDE, S.L.takes no responsibility for such content and is not liable.

Languages
The following languages may be used for communication: German and English

Data Protection
Any personal data is dealt by us in accordance with Spanish Law 15/1999 of 13 December, on the Protection of Personal Data.