Card Terms

WALLETTO Virtual Card Terms and Conditions

These Terms and Conditions apply to your use of the WALLETTO IBAN account and WALLETTO Virtual Card. Please read them carefully and keep a copy for your records. You can ask us at any time for a copy of these Terms and Conditions, our current rates of Fees and the current Usage Restrictions by contacting us using one of the Contact Methods. You can also obtain a statement of recent Transactions made by you using your WALLETTO Virtual Card via MEZOMAN.

The WALLETTO Virtual Card is issued by UAB Walletto, electronic money institution authorised and regulated by the Bank of Lithuania as an Electronic Money Institution in Lithuania and a member of Visa Europe Limited. WALLETTO issues the e-money on your WALLETTO Virtual Card.

In these Terms and Conditions:

“Balance” means the electronic money loaded in your WALLETTO IBAN account using the topping up method set out in clause 2 of these Terms and Conditions;

“Business Day” means any day (other than a Saturday or Sunday) on which banks in Lithuania are open for normal banking business;

“MEZOMAN” means MEZOMAN, a company incorporated under the laws of Bulgaria with its registered office address at 2 Vasil Aprilov Str. Fl.2 ,Burgas, 8000;

“MEZOMAN Website” means the website owned and operated by MEZOMAN (DBA ‘Spendl) where you can access your Spendl Wallet information.

“Contact Methods” means the methods by which you may contact MEZOMAN:

Service Hotline: +972 525622639

Service Email: [email protected]

Support Center: Support.getspendl.com

“WALLETTO”, “we”, “us” or “our” means UAB Walletto (Company number 304686884) a company registered in Lithuania with its registered office at A. Goštauto str. 8-107, Vilnius, Lithuania and which is licensed and regulated by the Bank of Lithuania as an Electronic Money Institution in Lithuania;

“WALLETTO Virtual Card” means the VISA virtual card generated by you via MEZOMAN Website and linked to your MEZOMAN Wallet to enable you to carry out E-Commerce Transactions. It is the VISA virtual card issued by WALLETTO in your name and which is linked to your WALLETTO IBAN account.;

“WALLETTO IBAN account” means the prepaid account operated by WALLETTO and which is linked to your WALLETTO Virtual Card in order to fund Transactions;

“E-Commerce Transaction” means a transaction initiated by you to purchase goods or services over the internet and which, for the avoidance of doubt, includes any such transactions initiated through a mobile device.

“Fees” means the fees which we may charge you from time to time for us operating and you using your WALLETTO IBAN account and WALLETTO Virtual Cards which form part of these Terms and Conditions as set out in the Annex to these Terms and Conditions. These may include: ongoing monthly fees;

in certain circumstances, fees for redeeming your Balance (“Redemption Fee”);

fees for using your WALLETTO Virtual Card to execute Transactions; and/or

fees for replacing a lost or stolen WALLETTO Virtual Card.

We may also charge you reasonable fees for undertaking investigations where you request that a Transaction is refunded and where the circumstances outlined in clause 9.3 apply.

The amount of Fees can change over time and the applicable Fees at any time can be found via MEZOMAN Website.

“VISA” means Visa Europe Ltd.;

“PIN” means the unique personal 4-digit identification number which is associated with your WALLETTO Virtual Card and which can be used to authorise POS Transactions;

“POS Transaction” means a transaction initiated by you to purchase goods or services at a point of sale;

“Privacy Policy” means WALLETTO’s privacy policy which, together with these Terms and Conditions, describes the basis upon which any personal data we collect from you, or that you provide to us, will be processed, handled and shared by us, as may be amended from time to time in accordance with its terms and as further explained and defined in clause 17 of these Terms and Conditions. A copy of our Privacy Policy can be found at www.walletto.eu;

“Redemption Request” means a request from you to redeem your Balance in accordance with clause 10 of these Terms and Conditions;

“Terms and Conditions” means these terms and conditions and includes the current Fees and Usage Restrictions set out in the Annex below. The Privacy Policy also applies to the relationship between us but does not form part of the Terms and Conditions;

“Transaction” means any transaction which can be executed using your WALLETTO IBAN account and WALLETTO Virtual Cards including a POS Transaction, an E-Commerce Transaction;

“Usage Restrictions” means the usage restrictions applicable to your WALLETTO IBAN account and WALLETTO Virtual Cards from time to time which form part of these Terms and Conditions, as set out the Annex.

The Usage Restrictions applying at any time can be found via Spendl Website, and “User”, “you” or “your” means the person who is identified as having applied for the WALLETTO IBAN account and WALLETTO Virtual Cards through the registration with us of your full name, date of birth, residential.

1. Applying for WALLETTO Virtual Cards

1.1 To apply for a WALLETTO IBAN account and WALLETTO Virtual Cards, you must be of full legal age in your country of permanent residence and hold a valid national photo ID issued in that country.

1.2 As part of this process, you have to:

(a) provide personal details (including your full name, date of birth, residential address, email address and mobile phone number) so that we may verify your identity; and

(b) read and accept these Terms and Conditions and our Privacy Policy.

(c) To carry a valid identity document (passport or ID card).

1.3 Where we are not able to verify your identity in accordance with clause 1.2. (a) above, we may ask that you provide further supporting documentation including scanned copies or photos of identification documentation (either your passport or ID card) and proof of your residential address until we are able to verify your identity successfully. If we are unable to verify your identity based on the documentation you have provided, in certain circumstances we may ask you to provide certified copies of the supporting documentation to help us verify your identity.

1.4 If you have not completed any of the steps set out in clause 1.2. and 1.3. above, you cannot complete the WALLETTO IBAN account and WALLETTO Virtual Card application process.

2. Topping up your WALLETTO IBAN account

2.1 Subject to the satisfactory completion of any required identity and other checks, you can top up your WALLETTO IBAN account as described in this clause 2 of these Terms and Conditions with funds to be used for Transactions.

2.2 The Balance on your WALLETTO IBAN account must never exceed any limits specified in the Usage Restrictions.

2.3 You may top up your WALLETTO IBAN account by making SEPA transfer to your WALLETTO IBAN account. You may also top up your WALLETTO IBAN account by addressing such request to MEZOMAN. Funds topped up in this way will be credited to your WALLETTO IBAN account without delay after the receipt of valid funding instructions by us.

2.4 We reserve the right to refuse to accept any particular top up transaction or to disable any particular topping up method without notice in the interests of preventing fraud, money laundering or any other criminal activity.

3. Your WALLETTO Virtual Cards

3.1 Your WALLETTO Virtual Card will be automatically generated in MEZOMAN Website. You will be able to open and request your WALLETTO Virtual Card by following the instructions in the relevant section of MEZOMAN Website.

3.2 Your WALLETTO Virtual Card will include all of the details you would expect to see on a plastic card, including the card number, expiry date and CVV number (i.e. the 3-digit code on the reverse of the card).

3.3 Your WALLETTO Virtual Card will be stored in the password-protected section of MEZOMAN Website and you will need to enter your password each time you would like to view it.

4. Using your WALLETTO Virtual Card

4.1 Once your WALLETTO Virtual Card is activated and subject to these Terms and Conditions as well as Usage Restrictions in each case, you can use: your WALLETTO Virtual Card to carry out E- Commerce Transactions, provided VISA payments are accepted in each case.

4.2 We cannot guarantee that a particular retailer or online merchant will accept your WALLETTO Virtual Card – you must check with the relevant retailer, online merchant before attempting to make a Transaction.

4.3 You should make sure there are sufficient funds available in your WALLETTO IBAN account to cover the amount of a Transaction and any applicable Fees – you will only be able to carry out Transactions using your WALLETTO Virtual Card to the extent of your Balance. Any Transaction you make using your WALLETTO Virtual Card will be deducted from the funds held in your WALLETTO IBAN account.

4.4 The Fees and Usage Restrictions applying to your WALLETTO IBAN account and your WALLETTO Virtual Cards are set out in the Annex to these Terms and Conditions.

5. Authorising Transactions

5.1 You will be asked to authorise each Transaction at the time it is initiated by you through the WALLETTO Virtual Card as applicable. A Transaction will be regarded as authorised by you where you:

(a) authorise an E-Commerce Transaction by following the instructions provided by the merchant or retailer to authorise the E-Commerce Transaction and by providing the WALLETTO Virtual Card details and/or any other details as requested; or

5.2 Subject to clause 5.3 below, you can withdraw or revoke your authorization for a Transaction at any time until the authorization is received by us, using one of the Contact Methods. Authorization for a Transaction may not be withdrawn or revoked by you once it is received by us although in the case of a POS Transaction, the merchant may give you a refund.

5.3 Your authorisation for a POS Transaction, an E-Commerce Transaction will be received by us at the time we receive the POS Transaction or E-Commerce Transaction instruction from the merchant, respectively. All of these authorisations will be received by us almost instantaneously and it is unlikely that you will be able to withdraw your authorisation for a Transaction before this time.

6. Blocking your WALLETTO IBAN account and your WALLETTO Virtual Card and refusing Transactions made with your WALLETTO Virtual Card

6.1 We may at any time suspend, restrict or cancel your WALLETTO IBAN account and/or your WALLETTO Virtual Cards, or suspend or restrict access to MEZOMAN Website or refuse to issue or replace the WALLETTO Virtual Cards for reasons relating to the following:

(a) we are concerned about the security of the WALLETTO IBAN account and/or of the WALLETTO Virtual Cards that we have issued to you;

(b) we suspect your WALLETTO IBAN account and/or WALLETTO Virtual Cards are being used in an unauthorised, illegal or fraudulent manner;

(c) we need to do so to comply with the law of any jurisdiction;

(d) you tell us that your WALLETTO Virtual Card credentials are lost or stolen as further detailed in clause 9; or

(e) if the contract between us has been cancelled as further detailed in clause 7.

6.2 Unless informing you would compromise reasonable security measures or otherwise be unlawful, where practicable we will inform you by phone or email, giving our reasons, before suspending, restricting or cancelling your WALLETTO IBAN account and/or your WALLETTO Virtual Cards or suspending or restricting access to MEZOMAN Website or refusing to issue or replace the WALLETTO Virtual Cards. If it is not practicable to inform you in advance and unless doing so would compromise reasonable security measures or otherwise be unlawful, we will inform you immediately afterwards, giving our reasons.

6.3 We will unblock your WALLETTO IBAN account and/or your WALLETTO Virtual Cards and allow you to regain access to MEZOMAN Website as soon as practicable after the reasons for stopping its use cease to exist and will inform you by phone or email when we have unblocked your WALLETTO IBAN account and/or your WALLETTO Virtual Cards and allowed you to regain access to MEZOMAN Website.

6.4 We may refuse to carry out a Transaction:

(a) if we believe that you are acting in breach of these Terms and Conditions;

(b) if we believe that a Transaction is potentially suspicious or illegal;

(c) if the value of the Transaction you are attempting to make plus any applicable Fees is in excess of your Balance; or

(d) if we are unable to carry out the Transaction due to errors, failures (whether mechanical or otherwise) or refusals caused by merchants, payment processors, card networks or payment schemes who are processing Transactions.

6.5 If we refuse to carry out a Transaction, unless informing you would compromise reasonable security measures or be otherwise unlawful, we will inform you at the earliest opportunity and in any event by the end of the Business Day following the day we have received the Transaction request. Normally we will inform you with an error message on the merchant’s terminal or website and if applicable, a receipt showing that the Transaction has not been successful, although in some instances we may inform you by phone or e-mail. You can contact MEZOMAN using any of the Contact Methods to ask for the reasons for refusing to carry out that Transaction and for an explanation of how you can correct any information we hold that led to our refusal to approve a Transaction.

6.6 You may correct any information we hold and which may have caused us to refuse a Transaction by contacting us via any Contact Method.

7. Cancelling your contract with us

7.1 The contract between us which is set out in these Terms and Conditions will continue until cancelled in accordance with this clause 7. Your WALLETTO Virtual Card will be valid for the period ending on the last calendar day of month indicated on your WALLETTO Virtual Card, at which point we shall expect you to contact us and specifically request the renewal WALLETTO Virtual Card.

7.2 You have the right to cancel the contract between us, which is set out in these Terms and Conditions, at any time with 30 days prior notice by contacting us using one of the Contact Methods or by requesting the same via MEZOMAN or MEZOMAN Website.

7.3 We may cancel the contract with you, with immediate effect, by giving written notice if you break an important part of these Terms and Conditions, including:

(a) if you repeatedly break these Terms and Conditions and fail to resolve the matter to our satisfaction in a timely manner;

(b) if you act in a manner that is threatening or abusive to our staff or anyone acting on our behalf;

(c) if you fail to pay when due any Fees or charges that you have incurred; or (d) in the event of your death or incapacity.

7.4 We may cancel the contract with you for any reason by giving you at least 2 months’ written notice.

7.5 We may also cancel the contract with you with immediate effect and/ or suspend your WALLETTO IBAN account (including access to it via MEZOMAN Website) if we believe your WALLETTO IBAN account and/or WALLETTO Virtual Cards are deliberately being used by you or anyone else to commit fraud or for other illegal purposes. If we do this, we will tell you by phone or e-mail only to the extent to which we are permitted to do so by law and you must stop using your WALLETTO IBAN account (or attempting to access it via MEZOMAN Website) and your WALLETTO Virtual Cards immediately.

7.6 If we or you cancel the contract between us, then as soon as we are permitted to do so (and normally within 5 Business Days after you contacted us where you cancel this contract) we will return any Balance remaining on your WALLETTO IBAN account (after the deduction of all pending Transactions and applicable Fees) to you. In case we suspect that your WALLETTO IBAN account and/or WALLETTO Virtual Cards are deliberately being used by you or anyone else to commit fraud or for other illegal purposes we retain the right not to return the Balance until we ascertain the source of funds for the suspected transactions. Please note that in order to comply with applicable legal and regulatory requirements, including anti-money laundering and terrorist financing requirements, we may need:

(a) to verify your identity; and

(b) to return that Balance to the same bank account which has previously been used to top up your WALLETTO IBAN account.

7.7 Once the contract between us has been cancelled, you will not be entitled to a refund of money you have already spent on Transactions authorised or pending, or any Fees for the use of your WALLETTO IBAN account or WALLETTO Virtual Cards incurred before the contract between us was cancelled.

8. Keeping your WALLETTO Virtual Card secure

8.1 It is important that you take all reasonable care and precautions to keep your WALLETTO IBAN account details and your WALLETTO Virtual Cards and details safe and you must not allow your WALLETTO Virtual Cards to be used by anyone else. You must also keep your PIN safe and you must not disclose it or allow it to be used by anyone else.

8.2 If your WALLETTO Virtual Card credentials are lost or stolen, or if you suspect that someone else knows your PIN, please follow the instructions set out in clause 9 below. If someone else uses either of your WALLETTO Virtual Cards without your consent and you have not informed us in accordance with your obligations in clause 9, you may lose funds held in your WALLETTO IBAN account in the same way as if you lost cash in your wallet or purse.

8.3 You must keep your PIN secret at all times. You should never disclose this security information to anyone. If you suspect that someone else knows your PIN, you should tell MEZOMAN as soon as possible using one of the Contact Methods so that MEZOMAN can give you information on how to change these details.

8.4 We have the right to disable your WALLETTO Virtual Card, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and Conditions.

8.5 We recommend that you check your Transaction history through MEZOMAN Website on a regular basis to identify any potential unauthorised use of your WALLETTO Virtual Cards and to check for Transactions which you do not recognise. We will provide you with a statement of Transactions through MEZOMAN Website on a monthly basis and you shall keep that statement for your records for at least 18 months. Your statement will show:

(a) information relating to each Transaction which will enable it to be identified;

(b) the amount of each Transaction shown in the currency in which that Transaction was paid or debited to your WALLETTO Virtual Card;

(c) the amount of Fees for each Transaction (where applicable);

(d) the exchange rate (where applicable) which applied to each Transaction; and

(e) for each Transaction, the date on which your authorisation was received by us as described in clause 5.3. of these Terms and Conditions.

9. Reporting security breaches and unauthorised or incorrectly executed Transactions

9.1 If you know or suspect that:

(a) your WALLETTO Virtual Card has been lost, stolen or misappropriated, or

(b) your PIN or any other security information is misappropriated or known or used by someone who is not authorised to use it,

you must tell MEZOMAN immediately by calling on the Service Hotline.

9.2 If you think a Transaction that was not authorised by you has been processed or that a Transaction has been incorrectly executed, you must contact MEZOMAN immediately via Service Hotline. We may ask you, either directly or via MEZOMAN, to complete a declaration form and return it to us promptly.

9.3 We may investigate your claim that a Transaction has not been authorised by you and, where permitted by law, we may charge a fee for doing so.

10. Refunding Transactions

10.1 Provided that you notified us in accordance with clause 9.2. above of an unauthorised or incorrectly executed Transaction without delay and at the very latest within 13 months of the debit date of that Transaction you may be entitled to a refund of that Transaction.

10.2 If the unauthorised Transaction arose from the loss, theft or misappropriation of your WALLETTO Virtual Card details or of your user name and password applying to your access to MEZOMAN Website or of your PIN or any other security information, we will refund the amount involved, except the first 50 EUR, for which you may be liable.

10.3 If the unauthorised Transaction arose from you acting fraudulently or where, with intent or gross negligence, you failed to use your WALLETTO Virtual Cards in accordance with these Terms and Conditions (including the obligations to keep safe your WALLETTO Virtual Card details, your user name and password applying to your access to MEZOMAN Website, your PIN and any other security information), we will not make any refund and you will be liable for the full amount of all losses incurred.

10.4 Where any refund is due to you, we shall make it immediately or, if that is not possible, as soon as practicable following receipt of your claim or of any further information we may request in order to investigate your right to a refund. However, if, following investigation, we have reasonable grounds to believe that a refund was not in fact due to you for any reason, or that we have made too large a refund, we may reverse that previous refund and you may be liable for any loss we suffer from your use of your WALLETTO Virtual Cards.

11. Redeeming funds in your WALLETTO IBAN account

11.1 You have a general right to redeem funds held in your WALLETTO IBAN account at any time in whole or in part. To do so, please use any of the Contact Methods to request a redemption and indicate the amount to be redeemed (before the deduction of any applicable Fees).

11.2 In order to process your Redemption Request, we may ask you to provide us with documents, evidence and other information to verify your identity to enable us to comply with applicable legal and regulatory requirements.

11.3 We may also charge a Redemption Fee if one of the following circumstances applies:

(a) you are requesting redemption before termination or expiry of these Terms and Conditions;

(b) you cancel these Terms and Conditions before any agreed termination or expiry date; or

(c) you request redemption more than one year after the date of termination or expiry of these Terms and Conditions. The amount of this Redemption Fee may change over time. The current Fee rates are set out in the Annex to these Terms and Conditions.

11.4 We may redeem the funds in your WALLETTO IBAN account, at our discretion, by arranging a refund to the same bank account which has previously been used to top up your WALLETTO IBAN account.

12. Our liability

12.1 We will not be liable to you for any loss arising from:

(a) any unauthorised Transaction where you acted fraudulently or where, with intent or gross negligence, you failed to use your WALLETTO IBAN account and WALLETTO Virtual Cards in accordance with these Terms and Conditions (including the obligations to keep safe your WALLETTO Virtual Card details, your username and password applying to your access to MEZOMAN Website and/or your PIN or any other security information);

(b) any abnormal or unforeseeable circumstances outside of our control, where we could not have avoided those consequences even though we made all efforts to do so;

(c) any merchant refusing to accept your WALLETTO Virtual Cards; or

(d) our compliance with applicable legal or regulatory requirements.

12.2 We will also not be liable for:

(a) business interruption; or

(b) loss of revenue, reputation, goodwill, opportunity or anticipated savings; or

(c) any loss or damage whatsoever which does not stem directly from our breach of these Terms and Conditions.

12.3 We will use reasonable efforts to make your WALLETTO IBAN account and WALLETTO Virtual Cards available to you, but we will not be liable to you for any loss or damage arising if it is not available to use at any time, or if access is interrupted.

12.4 Other than the losses set out in the paragraphs above (for which we are not liable) and subject to the paragraphs below, our maximum aggregate liability under or in connection with these Terms and Conditions whether in contract, tort (including negligence) or otherwise, shall in all circumstances be limited to a sum equal to 50 EUR in any 12-month period.

12.5 WALLETTO does not warrant or promise that the WALLETTO IBAN account and/or WALLETTO Virtual Cards will meet your requirements and you shall use the WALLETTO IBAN account and WALLETTO Virtual Cards at your own risk.

13. Ownership and protection of information

13.1 In order to effectively provide services under this Agreement we will be exchanging your information with MEZOMAN and receive your information from MEZOMAN to the extent necessary to perform our obligations under this Agreement.

13.2 By entering this contract with us you acknowledge having been in contractual relations with MEZOMAN and you explicitly authorise us to share such information as stipulated in clause 1 with MEZOMAN.

14. Changes to these Terms and Conditions

We reserve the right to change the Terms and Conditions at any time. We will take into account your interests affected by the intended changes and will only make changes that we consider to be reasonable. Changes to exchange rates will take effect immediately where they move in your favour or where they result from a change to the reference rate of VISA from time to time. For all other changes, we will give you at least two months’ prior written notice via e-mail or via MEZOMAN Website of any intended change to the Terms and Conditions and we will provide you with the new version of the Terms and Conditions. If you do not agree with the proposed change you must tell us via one of the Contact Methods before that change takes effect, otherwise you will be deemed to have accepted the change to the Terms and Conditions.

15. Fees and Usage Restrictions

15.1 Details of the Fees and Usage Restrictions applying to your WALLETTO IBAN account and WALLETTO Virtual Cards can be found in the Annex of these Terms and Conditions. The Fee rates and Usage Restrictions applying from time to time can be found at MEZOMAN Website.

15.2 By accepting these Terms and Conditions and by applying for your WALLETTO IBAN account and WALLETTO Virtual Cards, you agree to pay the applicable Fees relating to your use of the WALLETTO IBAN account and WALLETTO Virtual Cards.

16. Your details

You confirm that any information you provide us with is true, accurate and up-to-date. You confirm that you will let us know immediately by contacting us via MEZOMAN using one of the Contact Methods if you change your personal details. If we contact you in relation to your MEZOMAN Wallet we will use the most recent contact details you have provided to us.

17. Data Protection and how we use your information

17.1 We are a data controller of the personal data that you provide to us (including, without limitation, an email address or other username and a password). We will process your personal data in accordance with these Terms and Conditions and our privacy policy (“Privacy Policy”). Please read the Privacy Policy carefully as it provides information about how we use, share, store and process your personal information. By using your WALLETTO Virtual Cards you acknowledge that WALLETTO will use your personal information in this way.

17.2 MEZOMAN also has a separate privacy policy which applies to your relationship with MEZOMAN in addition to our Privacy Policy. You will be asked to accept MEZOMAN’ privacy policy when you become its client. Please ensure you read MEZOMAN’ privacy policy carefully.

17.3 If we suspect that we have been given false or inaccurate information, we may record our suspicion together with any other relevant information.

17.4 You must not give us personal information about someone else (such as alternative named contacts) without first getting his or her consent for it to be used or securing another legal basis for transferring it to us in accordance with applicable data protection legislation and disclosed for such use in accordance with these Terms and Conditions and our Privacy Policy.

18. Assignment

We may assign our rights and obligations under these Terms and Conditions to another company (including to an affiliate of WALLETTO) at any time, on giving you 2 months’ prior written notice of this. If we do this, your rights under these Terms and Conditions will not be affected.

19. Complaints

19.1 If you have a complaint about your WALLETTO IBAN account and/or your WALLETTO Virtual Cards you can contact us directly by emailing [email protected] or calling +37060148437 and we will aim to deal quickly and fairly with any complaints you have about your WALLETTO IBAN account and WALLETTO Virtual Cards and in any event, within 8 weeks of receiving your complaint. We will keep you informed of any progress or steps taken with regard to the resolution of your complaint.

19.2 If we do not resolve your complaint about your WALLETTO services, you may be able to refer it to the Lithuanian authority’s – Bank of Lithuania.

19.3 You may also be able to refer your complaint about your WALLETTO Virtual Card to the European Commission Online Dispute Resolution platform at www.ec.europa.eu/odr. The platform is a web-based platform which is designed to help consumers who have bought goods, services or digital content online. It provides access to independent alternative dispute resolution services which are usually free for you to use.

20. Disputes with merchants

If you have any disputes about purchases made using your WALLETTO Virtual Cards, you should settle these with the person from whom you bought the goods or services. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased using your WALLETTO Virtual Cards. Remember that once you have used your WALLETTO Virtual Card to make a purchase or to withdraw cash we cannot stop that Transaction.

21. Severance

If any court or competent authority finds that any provision in these Terms and Conditions (or any part of any provision) is invalid, illegal or unenforceable, that provision (or part) shall, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these Terms and Conditions shall not be affected.

22. Governing law and language

These Terms and Conditions are governed by Lithuanian law and are subject to the exclusive jurisdiction of the Lithuanian Courts. These Terms and Conditions are in English and all communications with you will be in English.