These Terms and Conditions contain a number of sections highlighting specific categories of information. If You wish to jump to a particular section of the Terms of use, please select the appropriate link below in order to find more information.

This document will provide information, including but not limited to, the following:

1. Terms and Conditions Overview
2. About Jeton and these Terms and Conditions
3. Accessing Our Site
4. Intellectual Property Rights of Jeton Venture Ltd
5. Protecting Your Account
6. Your Jeton Wallet Account
7. Opening an Account
8. Verifying Your identity
9. Safety and Security
10. Load Money
11. Send Money
12. Receive Money
13. Withdrawing Funds
14. Acceptable Usage Policy
15. Fees
16. Data protection
17. Erroneous or Unauthorised Transactions
18. Our Liability
19. Deactivation of Your Account
20. Communications from Us
21. Complaints
22. Applicable Law
23. Definitions

These Terms and Conditions are for Your benefit and keep Your information and transactions secure. Should You have any questions, contact us using any of the methods provided on www.jeton.com/support

2.1 Our Site is owned and operated by Jeton Venture Limited. Jeton Venture Limited is a limited company registered in Companies House in England and Wales with the registration number 10459236. Jeton Venture Limited is a registered E-Money Institution Agent with the reference number 900768, authorised by the Financial Conduct Authority.

2.2 Our product offers its users electronic money transfers and online payment options. Our services may be changed or added to without prior notice. If we offer the use of a new service, we may alter our Terms and Conditions accordingly. You will be notified of these changes when You order or use the new services and You may be asked to agree to the Terms and Conditions again.

2.3 We would like to remind You that these Terms and Conditions can change at any time, including the Fees and other amounts which apply to Your Account and Transactions. You will be liable to the new conditions if You use our website and services after changes are implemented. Any updates to our Terms and Conditions on Our Site is considered as a notification to You. Please check Our Site periodically for the most current Terms and Conditions. If there is any discrepancy between the current version of our Terms and Conditions and any previous version(s), the most current version is considered in effect unless otherwise stated.

2.4 You will be notified of any changes to our services and to our service structure two (2) months before they come into effect. Notice is given as stated in Section 2.4. You must have access to Your e-mail account detailed in Your account with Us to receive communications and information relating to the Services. With the exception of amendments to Our Terms and Conditions, notices received by You will be deemed read by You within 24 hours of the time it is posted to our Site or emailed to You. Changes that are in Your favour come into effect immediately.

2.5 If You object to any changes You must close Your Account immediately. Account closure procedures are outlined in section. Any official objection to changes in Our services by You can be considered a request to terminate and close Your Jeton Wallet Account. If You do not object to the changes before they come into effect, You are considered as having accepted these changes.

2.6 If You object to the new changes and wish to close Your Account, You must withdraw Your balance within the two months before the changes are enforced. Inaction will be accepted as agreement with our new product and their conditions.

3.1 We reserve the right to change, suspend or discontinue Our Site (or any part of it) at any time and without prior notice. Should Our Site (or any part of it) be unavailable at any time and for any period, we are not liable in any way. Making any and all arrangements necessary in order to access Our Site is Your responsibility.

3.2 Our Site content is for information purposes only. It is not intended as advise to anyone taking any action, be it financial or otherwise. Further information on electronic money and/or payment service products should be gained from professionals or specialists.

3.3 Although We do our best to keep our content complete, accurate, and up-to-date, We cannot guarantee it.

4.1 All Content and other intellectual property included on Our Site URL’s belong to Jeton or has been licensed by Jeton. It is expressly prohibited to modify, copy, adjust, alter, amend or use content without our prior written consent. Reproducing, copying, distributing, selling, renting, sub-licensing, storing, or re-using our Content from Our Site requires express written permission by Us.

You do not need written permission to access, view or use Our Site in a web browser or similar type of software or application; download Our Site for caching; print or save extracts or complete pages from Our Site for non-commercial use.

If You chose to download, save or print Our Site or parts of Our Site, You must acknowledge us as the legan and rightful owner and author.

4.2 As a merchant, You may use certain Content that has been provided by Jeton through our merchant services team without prior written consent for the sole purpose of identifying Yourself as a merchant who accepts payments through the Jeton Wallet. We may limit or revoke this permission at any time and for any reason at Our sole discretion. Any use of Content beyond what was provided by the merchant services team is prohibited. As a merchant, You are prohibited from modifying or changing this Content in any way before sharing, use the provided Content in a manner that is unfavourable to Jeton or the Service, or display the Content in any manner that implies Jeton’s sponsorship or endorsement.

4.3 When providing Us with Content or posting Content, whether in each case the Content is on or offline, You grant Jeton a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable (through multiple tiers) right to exercise any and all copyright, publicity, trademarks, database rights and intellectual property rights You have in the Content, in any media known now or in the future. Further, to the fullest extent permitted under applicable law, You waive Your moral rights and promise not to assert such rights against Jeton, its sublicensees or assignees. You represent and warrant that none of the following infringe any intellectual property right: Your provision of Content to us, Your posting of Content using Your Account, and Jeton's use of such Content (including of works derived from it) in connection with the use of Our Site.

4.1 All Content and other intellectual property included on Our Site URL’s belong to Jeton or has been licensed by Jeton. It is expressly prohibited to modify, copy, adjust, alter, amend or use content without our prior written consent. Reproducing, copying, distributing, selling, renting, sub-licensing, storing, or re-using our Content from Our Site requires express written permission by Us.

You do not need written permission to access, view or use Our Site in a web browser or similar type of software or application; download Our Site for caching; print or save extracts or complete pages from Our Site for non-commercial use.

If You chose to download, save or print Our Site or parts of Our Site, You must acknowledge us as the legan and rightful owner and author.

4.2 As a merchant, You may use certain Content that has been provided by Jeton through our merchant services team without prior written consent for the sole purpose of identifying Yourself as a merchant who accepts payments through the Jeton Wallet. We may limit or revoke this permission at any time and for any reason at Our sole discretion. Any use of Content beyond what was provided by the merchant services team is prohibited. As a merchant, You are prohibited from modifying or changing this Content in any way before sharing, use the provided Content in a manner that is unfavourable to Jeton or the Service, or display the Content in any manner that implies Jeton’s sponsorship or endorsement.

4.3 When providing Us with Content or posting Content, whether in each case the Content is on or offline, You grant Jeton a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable (through multiple tiers) right to exercise any and all copyright, publicity, trademarks, database rights and intellectual property rights You have in the Content, in any media known now or in the future. Further, to the fullest extent permitted under applicable law, You waive Your moral rights and promise not to assert such rights against Jeton, its sublicensees or assignees. You represent and warrant that none of the following infringe any intellectual property right: Your provision of Content to us, Your posting of Content using Your Account, and Jeton's use of such Content (including of works derived from it) in connection with the use of Our Site.

4.4 You may only use content saved or downloaded from our Site for commercial purposes, other than for the scope of use highlighted in section 4.1, if You first obtain a licence from Us (or our licensors, as appropriate) to do so.

This does not prohibit normal access, viewing and use of our site for by merchants or consumers for general information purposes.

4.5 You may only link to our site under the following conditions:

• You do so in a fair and legal manner;
• You do not suggest any association, endorsement or approval on our part where none exists;
• You do not use any logos or trademarks displayed on Our Site without Our express written permission, except when permitted as outlined in section 4.1;
• You do not display Content that damages Our reputation or takes unfair advantage of it; and
• You link only to the homepage of Our Site. Linking to any other pages requires Our express written permission.

You may not link to our site from another website that:

• Contains sexually explicit, obscene, deliberately offensive, hateful content;
• Promotes violence or assists in any form of unlawful activity;
• Discriminates against any person, group or class of persons, race, sex, religion, nationality, disability, sexual orientation, or age;
• Contains content that intends to threaten, harass, annoy, alarm, inconvenience, upset, embarrass, or deceive another person;
• Is designed to infringe (or to threaten to infringe) another person’s privacy;
• Infringes, or assists in the infringement of, the intellectual property rights of any other party (including, but not limited to, copyright, trademarks and database rights);
• Is in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence; and,
• Misrepresents or impersonates the identity or affiliation of a person in a way that is deceptive.

4.6 You may see or use links to other websites on Our Site. We are not responsibile for the content of any third party websites that are linked on Our Site, as these links are for information purposes only and are not meant as an endorsement of the websites, their content, or of those who control them.

4.7 To get further information on what our services include, how You can user our website, or what Our Policies are, You should read the following documents:

1. Frequently Asked Questions
2. Our Privacy Policy

5.1 We take all the necessary Our Site is secure and free from viruses and other malware.

5.2 You are responsible for protecting Your hardware, software, data and other material all internet security risks, including viruses, malware, and other.

Any of the below actions are a criminal offence under the Computer Misuse Act 1990. If We realize that any of these actions are undertaken by You, We will seek assistance from the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing Your identity to them. Your right to use Our Site will cease immediately such an event. You agree never to:

• introduce viruses or other malware, or any other material which is malicious or technologically harmful to or via Our Site.
• attempt to gain unauthorised access to any part of Our Site, servers where Our Site is stored, or any other server, computer, or database connected to Our Site.
• attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.

5.3 We cannot guarantee that Our Site will meet Your personal requirements, it will not infringe the rights of third parties, or that it will be secure. We also cannot guarantee that it will be compatible with the software and hardware that You use.

6.1 Your Jeton Wallet Account is an electronic money account. You can load, send, receive, or withdraw electronic payments in multiple currencies using Your Jeton account.

6.2 You can choose and change Your Wallet's main currency at any time.

6.3 Our products enables You to convert funds to electronic money. Electronic money accounts are not bank accounts. We do not provide a service where Your funds can earn interest and the UK's Financial Services Compensation Scheme (FSCS) does not apply to Your Account. By accepting these Terms and Conditions, You acknowledge these restrictions. In the unlikely event that We become insolvent, You may lose the electronic money held in Your Jeton Wallet Account. However, We strictly adhere to the legal requirements under the European Electronic Money Directive 2009/110/EC and UK national legislation, both of which ensure the safety and liquidity of funds deposited in electronic money accounts.

Further information on measures We apply to safeguard our customers' funds can be found on our Website.

6.4 Your Jeton Wallet Account and its electronic money balance belongs to the person or legal entity registered as the Jeton Wallet Account holder. We recognise only the rights of the owner of the Jeton Wallet Account when it comes to the funds in an Account. You cannot assign or transfer legal ownership of Your Jeton Wallet Account. We reserve the right to confirm and reconfirm Your identity at any point during ownership or use of the Account.

6.5 You can load, send or withdraw money from Your Wallet at any time. Depending on Your verification status, customer profile, country of residence or other factors, You may be required to verify Your identity to increase Your limits for withdrawals or uploads or gain access to certain services.

6.6 We may reject processing the transaction if Your transactions exceed Your allowed limit or You do not have sufficient funds in Your Account to cover the transaction and the Fees.

7.1 You are only allowed to open a Jeton Wallet Account if it is legal to do so in Your country of residence. Having or owning an Jeton Wallet Account must not violate any laws or regulations applicable to You. By opening a Jeton Wallet Account, You represent and warrant to us that owning a Jeton Wallet Account is not in violation of any applicable laws or regulations. You agree to compensate Jeton for any losses incurred due to Your breach of this section, should this occur.

7.2 You are only allowed to hold one Jeton Wallet Account, unless it has been expressly allowed by Jeton.

7.3 You must be 18 years or older to open a Jeton Wallet Account. By creating Your Account, You confirm that You are 18 years or older. There may be products Jeton offers that may have varying age limits where this age limit may not apply.

7.4 You must open a Jeton Wallet Account to use our services. As part of Your registration process, You will be asked to accept these Terms and Conditions. If any additional services are requested or added, You may be asked to accept further Terms and Conditions.

7.5 All the information You provide at registration and Account opening or any time thereafter must be accurate and truthful.

7.6 At Account opening You will be asked how You intend to use Your Jeton Wallet Account. You must inform us if You wish to use Your Account for commercial purposes as well as personal use. If at any point You start using Your Jeton Wallet account for commercial purposes, You must advise Us immediately. We reserve the right to review Your Account activity and determine, in our reasonable opinion, if You are using Your Account for Commercial Purposes. Any Account used for Commercial Purposes will be bound by Our Merchant Terms and Conditions. If You have any questions or concerns about any part of this section, please contact the Jeton Customer Support Team.

7.7 Only payment instruments (bank accounts, credit cards, debit cards, etc.) of which You are the named holder are permitted to be added on Your Jeton Wallet Account. Any violation of this section will be considered as a fraudulent act.

7.8 You may close Your Account at any point within the first 14 days after You open Your Account. If You have uploaded any funds, You may be may be required to provide information to verify Your identity before Your funds can be withdrawn. All Fees incurred for the use of Your Jeton Wallet Account prior to Your Account closure will not be refunded.

8.1 Certain information are required in order to open a Jeton Wallet Account. You may be asked to give certain personal details to Us, which may be used by third party providers to verify Your identity. If any additional information is required, We will contact you. Your information must be submitted completely and accurately during Your Account registration. Any faulty or missing information may result in delays in Your Account opening.

8.2 To increase our servicse security and decrease the risk of identity theft, we must verification Your identity. No exceptions can and will be made to these verification requirements.

8.3 We may contact You from time to time to notify You of changes to your Jeton Wallet Account or request further information. It is Your responsibility to make sure Your contact information is up to date. Should you face any losses due to Your failure to keep your contact information current, we will not be held accountable.

8.4 It is Your responsibility to keep Your Jeton Wallet Account information up to date and accurate. If We believe at any time that Your information is outdated or inaccurate, We may contact You and request updated or further information. We may also request that You go through the verification process again. Your limits will be adjusted accordingly while We verify Your identify. We are not responsible for any losses resulting from outdated account information.

9.1 For your security, you are advised to keep your Your Jeton Wallet password, security codes or any other Account details private. Do not share these details with anyone. You must take the necessary measures to protect Your Jeton Wallet password. Our team will never ask you the full answers to your security questions, only specific characters included in the answers. If You receive any emails, questionnaires, surveys, or other links that require You to provide Your Jeton Wallet password, and are unsure of the source of these messages, please do not enter your information and contact our Customer Support Team immediately.

9.2 We recommend that You change Your password regularly. This will decrease and limit the risk of Your Account being compromised. If You believe that Your Account may be compromised or Your password stolen, change Your password immediately and report the incident to us.

9.3 If You notice misuse or theft of Your password, login details, security features, funds, etc., contact the Customer Support Team immediately. If You suspect identity theft or theft of funds, We suggest You contact Your local police as well for legal action.

9.4 If We suspect any such security risks on our end, We may freeze certain transactions, certain features or Your entire Jeton Wallet Account. We will try to reach You via the contact information on Your Account. This is why it is vital that the information in Your Account is current. In such cases, We may ask for documentation that verifies Your identity before We enable full access to Your Account again. Having already provided such documentation does not exempt you from this process. You are required to submit requested documents again, should the need arise.

9.5 We advise against storing any login details or passwords on any device, or using any functionality or program that stores these details on any device.

9.6 You must make sure that You have provided your own personal phone number, that your phone is not publically accessible, and that Your e-mail account is secure. Access to Your phone or e-mail can result in changes to Your Account information and password and can also result in identity theft or theft of funds.

10.1 You can load money to Your Wallet via any of the methods detailed on Your Jeton dashboard. When topping up your account, Jeton is the payment recipient. According to the country You reside in, Loading money may incur processing costs from Your bank or financial institution depending on the method used.

10.2 We provide as many loading methods as our system allows, however, this does not mean we guarantee their use for the entirety of Your Jeton Wallet experience. The loading methods We offer may change and new ones may be added and/or current ones removed.

10.3 We screen all the loading money transactions. Although these transactions are instantaneous, this may mean that We reject Your transaction or request further information or documentation. In such an event, there will be no exceptions made to this procedure.

10.4 If Your loading money method allows for chargebacks, You agree not to use that right unless We processed a transaction without Your authority. You agree not to dispute any transaction if You have been negligent in protecting Your Account password and login details, or for reasons where Jeton has no liability (including but not limited to disputes with merchants). We reserve the right to issue You a chargeback fee of up to 25 EUR as well as charge You for other additional Fees if any expenses are incurred in connection with such a chargeback.

10.5 If You proceed with a chargeback and this results in a negative balance on Your Account, You agree to pay that negative balance immediately without required notice. Failure to do so may result in legal action or debt collection measures, including the use of a collections agency.

10.6 If You believe Your Account was improperly used, contact our Customer Support Team for assistance and the police for further action.

10.7 Security and legal requirements may result in Us limiting money deposit transactions. Your Account limits will depend on the verification status of Your Account. You can view Your limits in Your Jeton Wallet Account.

10.8 Money deposits may be subject to Fees as detailed in the Fees section of this document. If the method You chose to deposit your account is not in the same currency as your Jeton Wallet Currency Account, You may also be charged extra fees for currency conversion. Your bank applies these fees and Jeton cannot be held responsible.

11.1 Your Jeton Wallet Dashboard, which is accessible once You have logged into Your Jeton Wallet Account, is where you can send money to Your peers.

11.2 You will need to provide the recipient’s mobile number to send money. You must make sure that the information You entered is correct, as this information is used to facilitate the payment. We cannot be held responsible for any loss or delays resulting from misinformation.

11.3 If the recipient has 'auto accept payments' activated on their Jeton Wallet Account, the money will be deposited directly to their Jeton Wallet Account. Otherwise, they will be required to manually accept or reject any transactions. It is solely up to the recipient to accept or reject any send money transactions. No exceptions to this rule will be made.

11.4 If the recipient's mobile number is already registered with Us, we will send the money directly to their Account and inform them of the transaction. Once the funds are transfered to the recipient’s Jeton Wallet Account, the transaction cannot be reversed.

11.5 If the amount sent is higher than the recipients Account limit, the recipient will need to verify their Account further to increase their Account limit, before they can send or withdraw any money.

11.6 If the recipient does not take any action, send money transactions will be cancelled after 14 days. In such cases, the sent money amount will be returned to sender's Wallet. If the recipient is yet to accept the money they received, the sender is able to cancel the send money transaction. If cancelled, the recipient will be notified, and the funds will be returned to the sender's Wallet.

11.7 If the recipient has already accepted the funds, there is no way to cancel the transaction. The sender needs to then contact the recipient and ask them to send the money back. Jeton cannot refund money that is already accepted by the recipient, as it becomes the recipients funds.

11.8 If the recipient sends the money back, all applicable Fees will still apply. If the recipient is not a Jeton Wallet Account holder, and the recipient does not open a Jeton Wallet Account in the determined days when send money is valid, the funds will not be sent. In order to withdraw money, the recipient must become a Jeton Wallet Account holder, add a bank card or bank account, and verify their accounts. Withdraw money fees will apply as stated under our fees section.

11.9 All payments are subject to Your account limits. Your limits are detailed within the Jeton Wallet dashboard. It is your responsibility to make sure Your Account Balance is sufficient to cover Your payments, including all applicable Fees. Please note that fees do not apply towards Your annual limits.

12.1 You will be notified once You receive funds into Your Account. This payment will be displayed in Your transaction history. We advise You to regularly review all payments to ensure they are accurate.

12.2 If You have received an SMS stating that You have received money from someone via Jeton, and You are not a Jeton Wallet Account holder, You must create a Jeton Account to access these funds. Instructions will be sent to You by SMS, or You can contact the Customer Support Team to get assistance at www.jeton.com/support.

12.3. Until You have opened an Account, Jeton has no contractual or fiduciary relationship with You and the intended recipient. Funds will not be credited to Your Account until they have the proper verifications in place. Until Your Account has been verified to authorise and accept payments up to the specified limits, the funds will remain with the sender.

12.4 Until You have accepted the receipt of money, the sender has the right to cancel the transaction. Please note all payments that are not accepted within 14 days will be refunded to the sender. If You wish for the transaction to be completed after this point You must contact the sender directly to repeat the transaction. Jeton is unable to resend a transaction that has been declined, cancelled, or expired.

12.5 Funds cannot be routed to any other bank account, bank card or similar tool without first being deposited to a Jeton Wallet Account.

12.6 Fees apply to receive money transactions depending on the type of Jeton Wallet Account You have and the type of payment. Please refer to the Fees section for further information.

12.7 We are not the service provider of withdrawal transactions. As such, delays may occur due to the provider or the bank. If You face such delays, You should contact the Customer Support Team for further information.

12.8 Withdrawals are also subject to fees by Your bank. If such cases occur, we are not liable for any fees that Your bank applies to the transaction. If You wish to avoid exchange costs, You must withdraw from Your Jeton Wallet Account in the same currency as the bank account You are withdrawing to or the banks may apply exchange rates for the deposit.

13.1 The amount of money You can withdraw are limited by Your Account transaction limits and Your current balance. Within these limits, You can withdraw as much as You wish from Your balance as long as You can cover the Fees included.

13.2 Account withdrawals are permitted through Jeton Wallet at any time. In order to make a withdrawal You must log into Your Jeton Wallet Account, select a withdrawal method and enter the amount to be withdrawn. Withdrawals rely partly on third party financial institutions to be facilitated and as such we cannot guarantee the availability of any specific withdrawal method. The withdrawal methods available on Jeton are regularly reviewed and updated. We may make changes to or discontinue a particular withdrawal method at any time without following the procedure set out in section 2 as long as there is at least one withdrawal method available to You.

13.3 Where the withdrawal payment is received by You through the involvement of a payment service provider (such as the bank where You hold a bank account), we shall not be responsible for the withdrawal payment once the withdrawn funds are received by Your payment service provider.

13.4 Your Jeton Wallet Account is subject to withdrawal limits. These limits are adjusted dynamically depending on the type verifications we hold on You. You can view Your withdrawal limits at any time in Your Jeton Wallet Account profile. Before withdrawing or redeeming any funds from Your Jeton Wallet Account, You must ensure that Your current withdrawal limits meet Your withdrawal requirements as we legally cannot allow You to exceed these limits.

13.5 If Your withdrawal request exceeds Your current limit, we may decline Your request and instead require You to further verify Your identity and address prior to allowing a withdrawal of funds or to otherwise cooperate with us to verify Your identity.

13.6 Withdrawals are subject to withdrawal fees and currency conversion fees depending on which withdrawal method and payment instrument is chosen. Please see the Fees section for details.

13.7 For the purposes of a withdrawal transaction, we are a payer and not a payment service provider.13.8 You must not make a withdrawal to a bank account or other payment instrument if You are not the named holder. We take any violation of this requirement extremely seriously and will treat any attempt to use a payment instrument of which You are not the named holder as a fraudulent act. Without prejudice to claiming further damages, if we are required to investigate a withdrawal to a payment instrument that is not in Your name, We may charge an administration fee of up to 10 EUR. If Your name has changed we advise You to update Your Account information. You may be asked to verify these changes.

13.9 You must ensure that the payment details You enter when withdrawing funds are correct and complete. We will not be liable for withdrawn funds being sent to the wrong payment instrument in the case this was due to Your incorrect provision of payment details. When withdrawing to a bank account, You must ensure that the account number, sort code, IBAN and/or BIC/SWIFT are correct. If You have withdrawn funds to the wrong payment instrument, You may request that we assist You in reclaiming the funds, however, we will charge You an administration fee of up to 25 EUR for doing so and we cannot guarantee that the reclaim efforts will be successful.

14.1 You are not allowed to use Your Jeton Wallet Account for money laundering, terrorism financing, fraud or other illegal activities. We have the right to check Your transactions for such activities before or after authorising any transaction. This includes refunding Your money after You close Your Account.

You may only use our Site in a manner that is lawful.

You may not use our send/receive money services for the sale or purchase of any of the below products:

• Prepaid or stored value cards that are not from one of our registered merchants
• Material which incites or promote violence, prejudice or racism
• Unlicensed or illegal pornography
• Unlicensed/ Unregulated prescription drugs, illegal drugs
• Firearms and other weapons (including without limitation, knives, ammunition and anything that can be defined as a weapon or firearm)
• Unregulated or illegal tobacco and tobacco products
• Pyramid or Ponzi scheme products or third party payment processing or payment aggregation products
• Any products or services associated with get-rich-quick schemes or high yield investment programmes
• Illegal gambling services of any type including lotteries
• Satellite and cable TV descramblers
• Any fake, novelty, or counterfeit government ID’s, Visas, Licenses
• Any goods or services that infringe on the intellectual property rights of third parties
• Unregistered charity services
• Items that can be used to facilitate or promote illegal activity

We reserve the right to add or remove any new types of prohibited transactions to the above list. The list of prohibited transactions will be available on Our Site. If we detect or suspect any such activity occurring via Your Jeton Wallet Account, We reserve the right to terminate Your relationship with us, restrict access to Your funds, close Your Account, and/or take legal action against You if we deem it necessary. If such activities are detected, we may also contact the authorities.

14.2 It is Your responsibility to ensure that You comply fully with any and all local, national or international laws and/or regulations. You are forbidden to use Your Account for any unlawful or fraudulent purpose including using Our Site in anyway that can harm any person in anyway. This includes using our Site to send, load, or transmit data that contains a virus or malware in any form, or any code designed to adversely impact computer hardware, software, or data.

14.3 If any unlawful or fraudulent activity is identified on Your Account we reserve the right to suspend, whether temporarily or permanently, Your right to access Our Site. This will include taking any other actions in which We deem reasonably appropriate and lawful including disclosing such information to law enforcement authorities as required. As a result of Your breach We may take legal proceedings against You for reimbursement of any and all relevant costs. We hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that we may take in response to breaches of these Terms and Conditions.

14.4 Please note that online gambling is illegal in the below countries:

• China
• Israel
• Turkey
• United States of America

We reserve the right to deactivate, terminate or suspend Your Jeton Wallet Account or to refuse or reverse any transaction where we suspect You are using Your Account in connection with illegal gambling. This list may not be complete, You must take it upon Yourself to make sure that You are not breaking any national or international laws when purchasing products or services with Your Jeton Wallet Account.

14.5 In addition to the above prohibitions, payments may only be accepted for commercial use after approval by Jeton. We do not facilitate commercial activity for the following purposes including but not limited to:

Currency exchange, remittance businesses, travel moneyAlternative health products including dietary supplements, herbal medicine Any collection of donations or payments to charities or not-for-profit organisationsDealing in the sale of precious metals, jewels, stones, or other natural resourcesAlcohol

You must, however, make sure that You inform us if You wish to use Your account for anything other than personal transactions. To receive money from sales or services, You must choose Your Wallet type as business.

14.6 Certain KYC procedures may be in place for the use of an Account for business transactions. For such a process, we may ask for more documentation than we would with a personal Account. If You are in doubt as to whether Your commercial activity is prohibited You must discuss this with our Customer Service team. We reserve the right to amend or expand the list of prohibited categories.

14.7 Any attempt or conduct of transactions in violation of the prohibitions set out in this section can incur an administration fee of up to 150 EUR. We reserve the right to server the transaction and or deactivate, terminate or suspend Your Account.

14.8 We do not guarantee the legality of any of our merchant's products and services simply because We provide them the systems to accept payments. If You are not sure if a product or service is legal to purchase, do not purchase it.

14.9 It is prohibited to register for a Jeton Wallet Account from a country other than those expressly permissible on Jeton. We update the list of permissible countries regularly please refer to the registration page to see the most up to date list of countries.

15.1 Our Fees may differ depending on the type of Account You have, the verification level of Your Account, and whether You use Your Account for personal or commercial use.

15.2 Certain transactions may incur fees from Your bank or third party financial institution,including but not exclusively, if currency exchange takes place. Such transactions may include loading and withdrawing money. Any such fees are applied by Your bank and we are not responsible for the application of such fees to Your transactions. You are advised to declare Your bank's currency correctly and exchange the money to this currency before You withdraw. Currency exchange performed in the Wallet will be subject Fees from Jeton.

15.3 For merchant Accounts, Our fee structure will be relayed to You during the registration process of Your business. Afterwards, You must work with our business team if You wish to negotiate these conditions. We reserve the right to change the Fees structure or the Fees at any point that we deem proper.

15.4 Our Fees may appear as set fees or percentage fees depending on Your transaction. Our fixed fees are displayed in Euro and percentages may have a maximum cap. Transaction Fees will be applied to Your current balance. If You do not have enough balance to cover the transaction and the Fees, You will not be able to complete the transaction.

15.5 We will always display the fee for each transaction or product before You confirm anything. If You agree to finalise the transaction, the Fees will be deducted immediately.

15.6 An exchange fee will be applied to all exchange transactions. These Fees will be clearly identified in the exchange fee screen, along with the resulting balance in the new currency. We do not guarantee to be or to match any lower exchange rates from third party sites. If rates change while You are preparing Your exchange fee transaction, We will inform You with a pop-up message and You will need to retry the exchange transaction with the new rates. We will not apply a foreign exchange fee on currency conversion of Fees.

15.1 Our Fees may differ depending on the type of Account You have, the verification level of Your Account, and whether You use Your Account for personal or commercial use.

15.2 Certain transactions may incur fees from Your bank or third party financial institution,including but not exclusively, if currency exchange takes place. Such transactions may include loading and withdrawing money. Any such fees are applied by Your bank and we are not responsible for the application of such fees to Your transactions. You are advised to declare Your bank's currency correctly and exchange the money to this currency before You withdraw. Currency exchange performed in the Wallet will be subject Fees from Jeton.

15.3 For merchant Accounts, Our fee structure will be relayed to You during the registration process of Your business. Afterwards, You must work with our business team if You wish to negotiate these conditions. We reserve the right to change the Fees structure or the Fees at any point that we deem proper.

15.4 Our Fees may appear as set fees or percentage fees depending on Your transaction. Our fixed fees are displayed in Euro and percentages may have a maximum cap. Transaction Fees will be applied to Your current balance. If You do not have enough balance to cover the transaction and the Fees, You will not be able to complete the transaction.

15.5 We will always display the fee for each transaction or product before You confirm anything. If You agree to finalise the transaction, the Fees will be deducted immediately.

15.6 An exchange fee will be applied to all exchange transactions. These Fees will be clearly identified in the exchange fee screen, along with the resulting balance in the new currency. We do not guarantee to be or to match any lower exchange rates from third party sites. If rates change while You are preparing Your exchange fee transaction, We will inform You with a pop-up message and You will need to retry the exchange transaction with the new rates. We will not apply a foreign exchange fee on currency conversion of Fees.

16.1 The handling of Your data is set out in our Privacy Policy. By accepting these Terms and Conditions You also agree to the terms in our Privacy Policy. Please retain a copy of the Privacy Policy along with these Terms and Conditions for Your records.

16.2 The Data Protection Act 1998 dictates Your rights and Our obligations under protect information received from You and used in our procedures.

For information on Our use of Your data, place read our Privacy Policy.

16.3 You promise to provide us with accurate and complete information while creating Your Jeton Wallet Account. We will use this information with trusted third party sites to verify Your identity according to Our procedures.

We may use Your information to:

• Communicate with You or reply to any communication sent to us by You
• Send You notices
• Work with third party partners when processing transactions requested by You
• Allow third party partners to identify or verify the accuracy and correctness of Your information, or when investigating the legality of any data or transactions

16.4 When You create Your Jeton Wallet Account, You will be accepting any promotional or commercial emails from Jeton. These emails may include information about new products, features, promotions, deals etc. If You do not wish to receive such e-mails, You can opt out from the ‘account settings’ tab of Your Dashboard or by clicking the appropriate link on the e-mail body, if provided.

You can also opt out of receiving newsletters by contacting Customer Support. Any e-mail newsletter You receive will also give You the option to unsubscribe from any future newsletter.

16.5 Use of Our Site is also governed by Our Cookie and Privacy Policies, available from in Our Site. Policies are incorporated into these Terms and Conditions by this reference.

17.1 If an unauthorised or incorrect transaction was processed due to an error by us, we will endeavour to refund the payment amount and Fees deducted immediately at Your request.

17.2 If an unauthorised or incorrect transaction results from the compromise of Your Account as a result of a failure to meet the security standards of Your Account set out in section 10, You will remain liable 75 EUR fee. If no declaration of breach has been made, we will not be responsible for refunding Your transaction.

17.3 If an unauthorised or incorrect payment results due to a deliberate contravention of section 10 or as a result of gross negligence You shall be liable for all losses.

17.4 You must contact us within the first 12 months from the date of a payment to dispute or request a refund of an erroneous transaction. We will assist You to the furthest extent possible in tracking these payments and if possible taking action to reverse them.

17.5 None of the above conditions will apply if You have breached the terms of this contract, any contract referred to in this document, or any applicable law or regulation. If we or any of our merchant partners incur any legal fees, fines or penalties due to Your negligence in following the conditions of this document, You agree to cover all such fees.

17.6 This provision remains in effect even if the partnership between us and You is terminated.

18.1 To the fullest extent permissible by law:

• We accept no liability to any user for any loss or damage, whether foreseeable or otherwise, resulting from or in connection with the use of our Site;
• We accept no liability resulting from disruptions or non-availability of our site including ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship;
• We underline that any content presented is for information purposes only and does not constitute as advice and should not be taken as such when making financial or other decisions;
• We exclude all representations, warranties, and guarantees that may apply to our site and any content; and,
• We accept no liability towards our merchant users and commercial users for loss of profits, sales, business or revenue, reputation, savings, or any indirect loss or damage.

18.2 We exercise all reasonable skill and care to ensure that our site is free from viruses and other malware. We accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event that may adversely affect Your hardware, software, data or other material that occurs as a result of using our site (including the downloading of any content from it) or any other site referred to on our Site.

18.3 Nothing in these Terms and Conditions excludes or restricts our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law.

18.4 For full details of consumers’ legal rights, including those relating to digital content, please contact Your local Citizens’ Advice Bureau or Trading Standards Office.

18.5 We do not accept any liability for Your use of our services, as well as the products and services offered by our merchants and corporate partners, which are considered third party. Our association with these partners are for payment services only and our business partnership does not constitute as endorsement of their products or brand.

19. We may deactivate Your Jeton Wallet Account temporarily or permanently if we believe Your Account has been breached, any illegal or illegitimate action has taken place (as identified under our acceptable usage section), and/or any part of this agreement or agreements mentioned in this document have been breached. In such cases, We will not be held liable if Your funds are deducted for Fees incurred or applied, and the return of Your funds partially or entirely will not be guaranteed.

20.1 We confirm Your transactions, profile changes or Account changes via email or SMS. It is Your responsibility to make sure that the e-mail account You provided is functioning and our e-mails are received. We use html format in our e-mails. We cannot be held responsible if any loss or inconvenience occurs from our e-mails or SMS not reaching You or not being legible.

20.2 If we have Your contact details, We may from time to time send You important notices by email. Such notices may relate to matters including, but not limited to, service changes and changes to these Terms and Conditions.

20.3 For certain issues, we may contact You directly, in person or via Skype. In such cases, We will have verification procedures in place to verify our identity and Yours.

20.4 We will never send You marketing emails of any kind without Your express consent. If You do give such consent, You may opt out at any time. Any and all marketing emails sent by us include an unsubscribe link. If You opt out of receiving emails from us at any time, it may take up to 15 business days for Your new preferences to take effect.

20.5 Any load money, send money, withdraw money, exchange or receive money transactions will also be logged in Your transaction details. Your transactions are displayed in Your online transactions history, along with its unique transaction ID. When contacting the Customer Support Team, You should have this ID present to speed up the process. A collective document can be e-mailed to You periodically upon request or can be downloaded from the transactions tab of Your Dashboard in PDF format.

20.6 For non-standard communication and communication regarding complaints or questions with a support team agent, we will communicate with You in English. Any communication in Your preferred language will be made on availability basis and will be considered as a convenience and its continuation will not be guaranteed. Any questions or concerns should be raised and logged with the Customer Support Team.

21.1 For our complaint handling procedures, We hold the Financial Ombudsman Service's complaints handling procedures as our standard. If there is any reason why any delay or inability occurs, we will inform You accordingly.

21.2 Any questions, concerns, security risks or complaints should be communicated to us in a timely manner by contacting the Customer Support Team at www.Jeton.com/support or via our live chat on our site. Your communication will be answered in a timely manner and Your questions and concerns will be addressed to the best of our abilities. You may request a detailed log of Your communication with Us via email.

21.3 Should We fail to handle Your complaints to Your satisfaction, You may contact the Financial Ombudsman Service at Exchange Tower, London, E14 9SR, United Kingdom. You can get further information on the procedures at www.financial-ombudsman.org.uk.

22.1 These Terms and Conditions, any other documents mentioned here and our relationship with You are governed in accordance with the law in England and Wales.

22.2 If You are a consumer, any disputes concerning these Terms and Conditions, the relationship between You and us, or any matters arising from our mutual business is governed under the jurisdiction of the courts of England and Wales except where prohibited by EU law.

22.3 If You are a business, any disputes concerning these Terms and Conditions, the relationship between You and us, or any matters arising from our mutual business and partnership is under the jurisdiction of the courts of England and Wales.

22.4 We do not recognise any individual(s) other than the owner of the Jeton Wallet Account or the persons associated as rights holders under the merchant Accounts to have any rights under these Terms and Conditions. The Contracts (Rights of Third Parties) Act of 1999 are expressly excluded.

22.5 In addition, the rights to Your Jeton Wallet Account cannot be transferred to another individual. If the ownership of a merchant's business changes, correct legal documentation must be submitted and the transfer procedures may then take place accordingly. Ownership transfers are never guaranteed even in merchant Accounts.

22.6 Should any part of these Terms and Conditions become incompatible with any laws or regulations by a court of law, and if the court of law should determine such clauses to be invalid or unlawful, this will only apply to the affected part of the Terms and Conditions. Such a declaration will not make the entirety of these Terms and Conditions ineffaceable.

In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:

Jeton Wallet Account/Account: means our e-wallet or merchant account You have opened with Jeton wallet

Content: means any and all copyrighted material by Jeton, trademarks, registered trademarks including but not limited to; text, images, audio, video, scripts, code, software, databases, HTML logos and any other form of information capable of being stored on a computer that appears on, or forms part of, Our Site.

Customer Support team: Means our customer service and management department. This department can be reached via live chat at www.Jeton.com or by filling out our contact us form at www.jeton.com/contactus.

Our Site/Jeton Wallet: means www.jeton.com and any subdomains, or social accounts associated officially with the Jeton brand.

FCA: “FCA” means the Financial Conduct Authority of the United Kingdom whose address is 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom; further information on the FCA can be obtained on the FCA’s website at www.fca.org.uk

Fees: means any and all fees and charges levied by Jeton Venture Limited for the use of it’s product and services through Jeton.

Financial Ombudsman: is the body that provides services to settle escalated customer complaint claims. Further information can be found at www.financial-ombudsman.org.uk.

Know Your customer (KYC): Is the process by which we verify the accuracy, legality and the correctness of Your identity for online purchases and financial services provided by Jeton.

Jeton: Jeton brand and anything belonging to Jeton.com, owned and operated by Jeton Venture Limited, a limited company registered in England under 10459236. Jeton Venture Limited is currently awaiting authorisation by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money.

Privacy Policy: Our policy governing the processing and storing of personal data. Please read our privacy policy for details.

Terms & Conditions: means Jeton Wallet Terms and Conditions document (this document) and any document referred to herein and published on the website (amendable as deemed necessary).

Wallet: An e-wallet service provided to individuals and corporate entities by Jeton Venture Limited for the purposes of, including but not limited to, loading, sending, withdrawing, exchanging money, storing money and making online purchases.

We/Us/Our: means our brand and anything belonging to Jeton, owned and operated by Jeton Venture Limited, a company registered in the UK with registration number 10459236. Office registered at 123, Regus City Point, 1 Ropemaker Street, EC2Y 9HT

You/Your/customer/client: Shall mean person or legal entity whose name has been registered and identity verified for the use of Jeton's services at www.Jeton.com