First Digital Trade Europe UAB, a company with registration number 306129492 and registered address at Kaykyos 18-10 01100 Vilnius Lithuania, you can contact us via email at [email protected]
CRH Money ("CRH MONEY", "CRH Money", "CRH Money.com") is a trademark of First Digital Trade Europe UAB under authorization from CRH Royalty S.p.a. based in Via Giovanni Porzio snc in Naples ([email protected])
Ipermoney ("IPERMONEY", "Ipermoney", "Ipermoney.com") is an exclusive service of First Digital Trade Europe UAB.
All regulated, banking and issuing services are offered and under the control of Unlimit EU Ltd (www.unlimit.com)
First Digital Trade Europe UAB provides you with software services related to your CRH Money and Ipermoney account.
Software services means the set of tools that allow you to create an account and operate with it, as well as the background services necessary for the respective payment services to be successfully provided. To provide you with payment services, we work closely with authorized electronic money institutions.
The Account can be activated and managed online through the CRH Money Website and/or through our mobile applications (CRH Money and Ipermoney) accessible for iOS and Android users.
Unlimit EU Ltd, a company registered in Cyprus with registered office at 125, Georgiou Griva Digeni, Limassol, 3101, Cyprus, and company number HE 328641, (hereinafter referred to as "Unlimit" or "Partner" in this Agreement). You can find more information here: Unlimit. All services managed by Unlimit are subject to additional terms and conditions described in detail at https://www.unlimit.com/legal-documents/ which this document includes and integrates.
Additional partners may be added or removed from this section without explicit notifications or consent. Check regularly for the latest information and if you need to know more about our partners.
These Terms and Conditions do not govern your relationship with our partners, they only govern your relationship with First Digital Trade Europe UAB
3.1. These Terms and Conditions govern the opening, use and closure of your CRH Money and/or Ipermoney account and other related payment services as referenced herein. Together with any other terms and conditions referred to in these Terms, they constitute the agreement between you and us. We recommend that you print or download and keep a copy of these Terms of Use for future reference. You can always view the current Terms of Use on our website.
3.2. You accept these terms and conditions by activating your account. You should read them carefully before activating your account.
3.3. Depending on the services you choose to use, you may be required to accept additional terms and conditions.
"Agreement" means this agreement and the privacy policy.
"Business Day" means any day other than a Saturday or Sunday or a public or bank holiday.
"Consumer" means a natural person who, when entering into this Agreement, acts for a purpose other than any business, commercial or professional activity possibly carried out.
"Customer Service" means our customer service, which you can reach by sending a message through the options described in these Terms or on our website.
"Electronic money" means monetary value stored electronically.
"Fees" means the charges you must pay us for using our services.
"Payment Method" means bank transfer and payment instruments including, but not limited to, credit cards and debit cards.
"CRH Money Site" or "Site" means the website available at www.crhmoney.com
"Ipermoney Site" means the website available at www.ipermoney.com
"Regulation" means the Payment Services Directive 2017, as well as any applicable regulation in Bulgaria relating to the specific services we provide.
"Safeguarded Account" means the bank account(s) belonging to our authorized Partner, which is separate from our or their office bank accounts, in which they will receive money from you or on your behalf, in exchange for the issuance of Money.
"Payment Services" means the electronic money account, the Service offered by the APP or browser APP or related services provided by our authorized partners.
"Software Services" and/or "Services" means the platform and technical tools provided by CRH Money and Ipermoney with which you can manage your Service offered by APP or browser APP.
"Terms of Use" means these Terms and Conditions of the CRH Money and/or Ipermoney Account, published on the Site and as amended from time to time.
"We", "us" or "our" means First Digital Trade Europe UAB, a company registered in Lithuania with registration number 306129492 and registered address Kaukyos 18 10 Vilnius Lithuania,
"You", "your" means the natural person or holder of the CRH Money and/or Ipermoney Account.
Clause headings do not affect the interpretation of this Agreement and references to clauses are to clauses within this Agreement, unless otherwise specified.
Any word following the terms "including", "included", "for example" or any similar expression shall be interpreted as illustrative and shall not limit the meaning of the words, description, definition, phrase or term preceding such terms.
Unless the context requires otherwise, words in the singular shall include the plural and, in the plural, shall include the singular.
A reference to a statute or statutory provision is a reference to it as amended, extended or re-enacted from time to time and the reference to a statute or statutory provision shall include all subordinate legislation made from time to time.
6.1. To use payment services, you must first open a CRH Money and/or Ipermoney Account by registering your details on our website or mobile application. As part of the registration process, you will need to accept these Terms of Use and our Privacy Policy and you must have the legal capacity to accept them. If you order additional services, you may be asked to accept additional terms and conditions.
6.2. As a natural person, you must be at least 18 years old to use our services and by opening a CRH Money and/or Ipermoney Account you declare that you are at least 18 years old. We may require at any time that you provide proof of your age.
6.3. You can open only one CRH Money and/or Ipermoney Account unless we explicitly approve the opening of additional accounts.
6.4. You can open an Account only if it is legal to do so in your country of residence. By opening an Account, you represent and warrant to us that opening this Account does not violate any law or regulation applicable to you. You will pay us the amount of any losses we incur in connection with your breach of this section.
6.5. All information provided during the registration process, or at any subsequent time, must be accurate and truthful.
6.6. You can use Payment Methods only if you are the named holder of the account for that Payment Method. We take any violation of this requirement very seriously and will treat any attempt to add a Payment Method of which you are not the named holder as a fraudulent act.
6.7. To comply with the requirements of the Money Laundering, Terrorist Financing and Fund Transfer Regulation 2017, the Proceeds of Crime Act 2002 and the EU Wire Transfer Regulation (Regulation (EU) 2015/847) and related regulations, we will obtain from you, and keep, proof of your personal identity in our records. If satisfactory evidence is not provided promptly, we may not be able to accept your payment instructions or offer you any type of service.
7.1. You must ensure that the information registered on your Account is always accurate and up-to-date and we will not be responsible for any losses arising from your failure to comply. We may ask you at any time to confirm the accuracy of your information or to provide documents or other evidence. If satisfactory evidence is not provided promptly, we may not be able to accept your payment instructions or offer you any type of service.
8.1. As part of the Services, CRH Money and Ipermoney, in collaboration with our authorized EMI Partners, will issue you Electronic Money upon receipt of money from you, will store your Electronic Money and will redeem Electronic Money both upon your express instruction and in accordance with this Agreement.
8.2. Our Services do not include the provision of advice. We do not offer advice under this Agreement on any matter, including (without limitation) the merits or otherwise of any currency transaction, on taxation or on markets.
8.3. We reserve the right to periodically modify the scope of our Services and to improve them. We would like to inform you about new products and features as soon as reasonably possible and obtain your consent where applicable. From time to time, you may need to accept additional terms and conditions to be able to use these new products or services.
8.4. Products and services are subject to availability based on multiple factors, including, but not limited to, country of residence, nationality, our coverage and the coverage of our partners. We will always try to extend the provision of our Services, however, in some cases there are objective reasons for not being able to do so, and CRH Money and Ipermoney should not be held responsible for this.
8.5. Where we receive money from you, this money will be held by our authorized Partners, in the relevant Safeguarded Account, in exchange for the issuance of Electronic Money.
8.6. Your funds will not be used for any other purpose and in the unlikely event of insolvency, your electronic money will be protected according to applicable regulations.
8.7. There is a difference between holding Electronic Money and a Bank holding your money, in that:
(i) neither we nor our Partners could or would use the funds to invest or lend to other people or entities.
(ii) Electronic Money will not accrue interest.
8.8. You can hold Electronic money and we can hold funds corresponding to your Electronic money indefinitely. However, if we hold electronic money for you for a period longer than a specified period without any activity on the account, we will make every reasonable effort to contact you to redeem the electronic money and return the corresponding funds to you. If we are unable to contact you, we may redeem the electronic money and send the corresponding funds, minus any costs incurred, to the last known payment instrument we have on file for you.
8.9. We assume no responsibility if you send money to the wrong account.
8.10. We do not accept cash deposits, third-party deposits or checks. We accept money through a variety of electronic fund transfer methods to our bank account, the details of which will be displayed to you during a transaction or provided upon request.
9.1. You must take all reasonable measures to keep your CRH Money and/or Ipermoney Account password and any other security features safe at all times and never disclose them to anyone. Our staff will never ask you to provide your password to us or to third parties. Any message you receive or website you visit that requests your password or other security features, other than the CRH Money, Ipermoney website or a CRH Money/Ipermoney payment gateway on a merchant website, should be reported immediately.
9.2. If you have any indication or suspicion that your CRH Money and/or Ipermoney Account, login details, password or other security elements have been lost, stolen, taken, used without authorization or otherwise compromised, we recommend that you change your password. You also need to contact us using the contact details available on our Website without undue delay.
9.3. We may suspend your Account or otherwise limit its functionality for reasonable reasons relating to the security of the Account or any of its security features or if we reasonably suspect that unauthorized or fraudulent use of your Account has occurred or that any of its security features has been compromised. We will inform you of any suspension or restriction and the reasons for such suspension or restriction in advance or, if we are unable to do so, immediately after the suspension or restriction has been imposed, unless notification is illegal or compromises our reasonable security interests.
9.4. You must take all reasonable precautions to ensure that your email accounts are secure and accessible only to you, as your email address may be used to reset passwords or to communicate with you about the security of your account.
9.5. Regardless of whether you are using a public, shared or your own computer to access your Account, you must always ensure that your login details are not stored by the browser or cached or otherwise recorded.
10.1. You can close your CRH Money and/or Ipermoney Account at any time by contacting us.
10.2. Account closure is free, however, fees related to the ongoing management of inactive accounts may continue to be charged after account closure. This provision will survive the termination of the relationship between you and us.
10.3. If your CRH Money and/or Ipermoney Account has a balance at the time of its closure, we will ask you to withdraw your funds within a reasonable period, during which your Account will be accessible only for the purpose of withdrawing the remaining balance.
10.4. We reserve the right to carry out any necessary checks regarding money laundering, terrorist financing, fraud or other illegal activities before authorizing any withdrawal of your funds, including in relation to the return of funds to you after you have closed your CRH Money and/or Ipermoney Account.
10.5. We recommend that you recover or spend all the funds in your CRH Money and/or Ipermoney Account as soon as possible before your Account is closed.
11.1. It is strictly prohibited to attempt transactions related to the sale or supply of: tobacco products, prescription drugs, drugs and drug accessories, weapons (including, but not limited to, knives, guns, firearms or ammunition), satellite and cable TV decoders, material that incites violence, hatred, racism or that is considered obscene, government identity cards and licenses, including replicas and new items and any counterfeit product, illegal or unlicensed lotteries or illegal or unlicensed gambling services (including, but not limited to, the use or participation in illegal gambling houses), unregistered charity services, items that encourage or facilitate illegal activities, prepaid debit cards or other stored value cards that are not associated with a particular merchant and are not limited to the purchase of particular products or services, third-party processing or payment aggregation products or services, multi-level marketing, pyramid sales or Ponzi schemes, matrix programs or other "get rich quick" schemes or high-yield investment programs, goods or services that violate third-party intellectual property rights, uncoded/incorrect games, timeshares or property booking payments (On and Off Plan). We reserve the right, at our sole discretion, to add categories of prohibited transactions by adding such categories to these Terms of Use or to an acceptable use policy published on the website.
11.2. It is strictly prohibited to make payments or receive payments from persons or entities offering illegal gambling services, including (but not limited to) illegal sports betting, casino games and poker games. We may suspend or close your CRH Money and/or Ipermoney Account at any time or refuse to execute or cancel a transaction if we believe that you have used or have used directly or indirectly your Account for or in connection with illegal gambling transactions. This list is not exhaustive and it is your responsibility to ensure that you do not use our services for transactions that could be considered illegal in your jurisdiction.
11.3. You cannot use our services if you reside in certain countries. This will depend on our partnerships and other regulations and we may, at our sole discretion, decide to discontinue or limit our services in specific countries at any time and without notice.
11.4. It is strictly prohibited to use your CRH Money and/or Ipermoney Account for illegal purposes including, but not limited to, fraud and money laundering. We will investigate and report any suspicious activity. We reserve the right to withhold any remaining funds and cover any outstanding expenses due to similar attempts.
11.5. If you conduct or attempt to conduct any transaction in violation of the prohibitions contained in this section, we reserve the right to: cancel the transaction; and/or close or suspend your CRH Money and/or Ipermoney Account; and/or report the transaction; and/or seek compensation for damages.
12.1. Fees depend on whether you are using your CRH Money and/or Ipermoney Account for personal or business purposes, the services you are using and your Country of registration. Your fees will be made available to you before starting a business relationship.
12.2. Your transactions may be subject to currency conversions.
13.1. You explicitly consent to the access, processing and storage of all information you provide to us, for the purpose of providing you with services. This does not prejudice our respective rights and obligations under data protection legislation. You can revoke this consent by closing your CRH Money and/or Ipermoney Account. If you revoke consent in this way, we will cease to use your data for this purpose, but we may continue to process your data for other purposes where we have other legitimate reasons to do so, for example where we are legally required to keep records of transactions.
13.2. Detailed information about your personal data and how we collect, manage, store and transfer it is available in our Privacy Policy, which can be found on our website.
14.1. Where we and another person (such as a payment service provider) are liable to you in relation to the same matter, you agree that our liability to you will not be increased by any limitation of liability you have agreed with such other person or because of your inability to recover from that other person beyond what our liability would have been if such limitation had not been agreed and/or if that other person had paid their share.
14.2. CRH Money and Ipermoney will not be liable for any interruption or compromise of our service or for interruptions or impairments of intermediary services on which we rely for the fulfillment of our obligations hereunder, provided that such interruption or impairment is due to abnormal and unforeseeable circumstances beyond our reasonable control, or the control of the intermediary concerned.
14.3. CRH Money and Ipermoney will not be liable for any indirect or consequential losses including, but not limited to, loss of profit, loss of business and loss of reputation. We will not be liable for any losses arising from our compliance with legal and regulatory requirements.
14.4. Nothing in these Terms of Use shall operate to exclude liability for death or personal injury due to negligence or for fraud or fraudulent misrepresentation or for any legal liability that cannot be excluded or modified by agreement between the parties.
14.5. Our obligation under these Terms of Use is limited to providing software, which enables access to an electronic money account and related payment services and we make no representations regarding or endorsement of the quality, security or legality of any goods or services provided by third parties.
14.6. We will not be responsible for determining or paying any taxes, duties or other charges arising from your use of the CRH Money and/or Ipermoney Account or services provided by us or our Partners.
14.7. Where you suffer any loss, liability, cost or expense (a "Loss") for which we would otherwise be jointly or severally liable with third parties or third parties, the extent to which such Loss will be recoverable by you from us (as opposed to any third party) will be limited so as to be proportionate to the aggregate of our contribution to the overall fault for such Loss, as agreed between all interested parties or, in the absence of agreement, as determined by a court of competent jurisdiction. For the purposes of assessing the contribution to the Loss in question of any third party for the purposes of this clause, no account shall be taken of any limit imposed or agreed on the amount of such third party's liability by any agreement (including any settlement agreement) entered into before or after such Loss occurred or was otherwise incurred.
15.1. We may close your CRH Money and/or Ipermoney Account, or any payment service associated with it, by giving you two months' notice. You can close your CRH Money and/or Ipermoney Account with us at any time.
15.2. We may at any time suspend or close your CRH Money and/or Ipermoney Account without notice if:
(i) you breach any condition of these Terms of Use or any other condition applicable to specific services covered by separate terms and conditions;
(ii) you breach or we have reason to believe that you are breaching any law or regulation applicable to your use of our services;
(iii) we have reason to believe that you are in any way involved in fraudulent activities, money laundering, terrorist financing or other criminal activities;
(iv) you harass or engage in obscene, rude or offensive behavior towards us or any of our representatives.
15.3. We may at any time suspend your CRH Money and/or Ipermoney Account without notice, if:
(i) we reasonably believe that your Account has been compromised or for other security reasons; OR
(ii) we reasonably suspect that your Account has been used or is being used without your authorization or fraudulently and we will inform you promptly after suspension, unless we are prohibited by law.
16.1. These Terms of Use and any additional applicable terms and conditions are subject to change. Changes will be implemented with notice from us according to the procedure established in this section.
16.2. We will inform you of any proposed changes by sending an email to the primary email address registered with your CRH Money and/or Ipermoney Account.
16.3. We will try to send information about upcoming changes as soon as reasonably possible, but no later than one week before the new Terms come into effect.
16.4. You have the right to object to such changes. If you object to the changes, they will not apply to you. However, such objection will constitute notice from you to terminate and close your CRH Money and/or Ipermoney Account.
17.1. We usually communicate via email. For this purpose, you must always maintain a valid email address in your profile. You need to check regularly and frequently for incoming messages. Emails may contain links to further communications on our website.
17.2. We will never send you emails with executable files attached or with links to executable files. If you receive an email with such attachments, you should delete the message without clicking on the attachment. If you are not sure that a communication comes from us, please contact us.
17.3. We will communicate with you in English and will always accept communications made to us in English.
17.4. In addition to communicating via email, we may contact you via chat, letter or phone, as appropriate. If you use mobile services, we may communicate with you via SMS.
17.5. You can contact us at any time by sending a message to our customer service. Contact details are available on our website.
18.1. Any complaints about us or the services we provide should be addressed to us in the first instance by contacting Customer Service. You should clearly indicate that you wish to make a complaint to us. This helps us distinguish a complaint from a simple request. If you feel that we have not met your expectations in providing our Services, please contact us via email at [email protected]
18.2. More information on how we will handle your complaint, timelines and next steps are available on our Website, in the form of a Complaints Brochure.
We may assign this Agreement to another company at any time. If we assign the Agreement to another company, you will be given notice. Unless you tell us within 2 weeks that you do not wish to continue with the Agreement after the assignment, you agree that we may assign the Agreement in this way. Your rights will not be prejudiced by such assignment should it occur. You cannot assign the Agreement to third parties. Your right to terminate the Agreement under clause 18 is not prejudiced.
20.1. No person other than you shall have any rights under these Terms of Use.
20.2. Your CRH Money and/or Ipermoney Account is personal and you cannot assign any rights under the Terms of Use to third parties.
20.3. These Terms shall be governed by and construed in accordance with Bulgarian laws. In the event of a dispute, both parties agree that they will first endeavor to resolve them through open written communication or, where applicable, including independent judgment or mediation. Notwithstanding the above, and in the event that resolution is not reached through these means, all claims arising from or in connection with this agreement shall be resolved by the courts of Amsterdam in the Netherlands, except where prohibited by applicable EU laws.
20.4. If any part of these Terms is held to be invalid, illegal or unenforceable by a court of competent jurisdiction, such part shall be severed from the rest of the Terms, which shall continue to be valid and enforceable to the maximum extent permitted by law.