TERMS AND CONDITIONS FOR MOBILEPAY’S BUSINESS SOLUTIONS

Effective from 29 June 2021 for businesses in Denmark

MobilePay’s business solution (the ‘Solution’) has registered in MobilePay, for the Solution. address in postal codes 3900-3999. This is is a payment solution that businesses can use If your business is registered in Greenland, the deciding factor when determining if to receive and request payments from the company must have linked a Danish or references to applicable rules of law, MobilePay users. Greenlandic bank account to the Solution. regulatory requirements or authorities are to be read and construed as a reference to To get access to the Solution, your business In addition to these terms and conditions, the Danish or Greenlandic applicable rules of law, must have a valid and active CVR number following applies: regulatory requirements and authorities. registered in the Danish Central Business  Prices for MobilePay’s business solutions Register (CVR-registeret) or an SE number – see mobilepay.dk, under ‘Hjælp’ (Help) Please note that payment services are linked to a valid and active CVR number.  Terms and conditions for the MobilePay governed by the Danish Payments Act Furthermore, your business must enter an Portal (Lov om betalinger). agreement on access to MobilePay (the Unless otherwise stipulated by these terms ‘Agreement’) with MobilePay A/S, Vester MobilePay’s terms and conditions apply to and conditions or agreed with us, we have Søgade 10, 6th floor, 1601 Copenhagen V businesses in Denmark and in Greenland. As deviated from the provisions of section 6 (‘MobilePay’) and have created a user the Danish and Greenlandic rules of law differ of the Act to the extent permissible. account on the MobilePay Portal (the ‘Portal’). in certain areas, some terms and conditions Special conditions apply to use of the Portal. will apply differently to businesses with a The terms and conditions for MobilePay’s MobilePay solution created in Denmark and in business solutions are divided into the Your business must also have linked a Danish Greenland, respectively. Such differences will following sections: bank account in the business’s name, or be specified in the relevant sections.  Section A describes the general terms linked a private account in the sole trader’s and conditions name, provided that use of the private account A business created in Greenland means a  Section B describes MobilePay MyShop for business related purposes is in company with a CVR number. The business  Section C describes MobilePay accordance with the terms and conditions at must be registered in Greenland with its AppSwitch any given time of the bank(s) the sole trader

Page 1 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

 Section D describes MobilePay Point of MobilePay’s processing of personal data’, notice of changes if it has failed to inform us of Sale available at mobilepay.dk/hjaelp/gdpr. changes to email addresses (cf. section A2.2).  Section E describes MobilePay Memberships By using our payment services you A1.1. Prevention of money laundering  Section F describes MobilePay automatically consent to the processing of and/or terrorist financing Subscriptions your personal data. You can read this consent Under applicable law, MobilePay is obliged to  Section G describes MobilePay Invoice in section A15. carry out customer identification procedures when establishing customer relationships. We must therefore check the identity of your When you use us as a natural person, we Section A – General terms and conditions business, including its beneficial owners, etc. record and use data about you to provide you This means that your business must provide with the best advice and solutions, and to A1. Changes to terms and conditions the information, documentation, etc., that comply with the legal requirements we are MobilePay may change the terms at any time MobilePay needs to carry out the customer subject to as an e-banking institution. You can and without notice. This includes modifying identification procedures, including risk read more about when you use us as a the Solution. Your business will be informed of assessment. natural person, what we record, how we use the changes via messages in the Portal or via MobilePay may request additional information personal data and your rights in ‘Information email. on an ongoing basis and your business is about MobilePay’s processing of personal obliged to continuously provide MobilePay data’, available at mobilepay.dk/hjaelp/gdpr. The new conditions will apply to you unless with the required information so that you inform us that you do not wish to be MobilePay can fulfil its obligations under The information contains contact information if bound by them. applicable law in this area. Failure to comply you have any questions, and you can also may result in the termination of the contractual obtain it in printed form. If you notify us that you do not wish to be relationship. bound by the new conditions, we may view When you as a customer, or when someone the contractual relationship as having been A2. Commercial purposes, intellectual on your behalf as a customer, discloses terminated from the time the new conditions property rights, etc. information to us, you warrant that you are enter into force. entitled to give us this information. You must A2.1. Commercial purposes also ensure that such persons have been Your business has a duty to keep its own The solution must only be used for informed of the content of ‘Information about email addresses up to date. Your business commercial purposes, and only by the assumes responsibility for failure to receive business itself. This means that the business Page 2 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

may not set up points of sale etc. for other  In addition, any change/information that businesses without prior agreement with Before concluding the Agreement, we will could affect the Agreement, such as a MobilePay. Any information obtained is strictly evaluate your business’s intended use of the change of CVR number, cancellation of for your business’s own use and for use for Solution and may refuse to enter into the CVR number, SE number, sector, new the Solution. You are not permitted to disclose Agreement following such evaluation. product groups/services. the information to anyone else or use it for any purposes other than the Solution. We are entitled to regularly assess your If this is not observed, we may view it as a business’s financial position and request breach of the Agreement. The Solution may only be used for fundraising further information from the business. purposes in accordance with the conditions in A2.3. Intellectual property rights etc. sections B3.9, C3.10 and D3.10. A2.2. Duty to inform All copyrights, trademarks and other The business must notify MobilePay in writing intellectual property rights to and pertaining to You must not use the Solution for debt of any change in the circumstances indicated the Solution and its functions, including collection, money transmission activities, when the Agreement on use of the Solution MobilePay’s logos, are the property of disbursing cash or transferring money from was concluded, including: MobilePay or our licensors. Your business MobilePay to solutions that could function as  Documentation and/or information on may not reproduce, copy, display, assign, payment instruments. You may make customer identification procedures publish or use these intellectual property reversals (see sections B3.7, C3.7 and D3.7).  Control of the business, including changes rights or the Solution in any way whatsoever, in ownership (identification of the new except to the extent necessary to use the The Solution may not be used for illegal owner, chairman of the board, etc.) or Solution as provided in these terms and activities or purposes. The Solution may not organisational changes in the ownership conditions. be used for activities or purposes that structure or the board MobilePay deems to be morally or ethically  Management of the business, type of MobilePay is our property and may only be questionable or which could harm our image company and sector, address, telephone used by your business subject to the or brand. number, email address, contact person(s) conditions and guidelines stipulated by us.  Updates to any statutes or permissions Your business may not assign its right to use We reserve the right to block your access to (e.g. from the Danish Fundraising Board) MobilePay to any third party. the Solution if your business fails to comply or if the business’s MobilePay revenue with these conditions. We may also terminate exceeds the amount declared during Any matter relating to the marketing, the agreement on use of the Solution if the registration advertising and promotion of MobilePay is conditions are not observed.  Bank account number subject to our prior written consent, and you Page 3 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

may not publish any launch of MobilePay or cannot replace the purchase receipt the It should also be noted that MobilePay and any related solutions or services without our business has to provide to its customer. your business are each responsible for their consent. own data. A4. Responsibility for use by the When your business enters into an agreement business’s employees, responsibility for A4.3. Special provisions on responsibility with MobilePay regarding one or more of trading, etc. and liability MobilePay’s business solutions, it also Your business is responsible for complying consents to MobilePay citing it as a customer A4.1. Responsibility for employees’ use with the terms and conditions for use of the in its marketing/publicity for MobilePay’s Your business must ensure that your Solution. solutions and stating the name of the business employees who use the Solution are familiar Please note that additional provisions on and reproducing its logos. with these terms and conditions. You are responsibility and liability may apply to the responsible for the employees’ use of the individual solutions and services. A3. Collecting fees from the business’s Solution. customers etc. A5. Pooling account and link to a bank Your business has an obligation to comply A4.2. Responsibility for the business’s account with applicable legal requirements on trading etc. collecting fees from its customers for the use Your business must comply with the legal A5.1. Pooling account of MobilePay. requirements etc. governing trade in your All MobilePay amounts your business goods and services applicable at any time, receives are deposited into a technical pooling Amount limits apply to MobilePay transfers including requirements governing the account (the ‘Pooling Account’), and settled in carried out by the individual MobilePay users. treatment of information about MobilePay the business’s registered bank account (see See the current maximum amounts at users that you obtain. This applies, among A5.2). MobilePay records all amounts mobilepay.dk/hjaelp/mobilepay-til- other things, to the rules on the duty to inform, received using MobilePay and pays the private/fakta/hvor-meget-kan-jeg-overfoere- marketing, concluding agreements with amount into the bank account designated by med-mobilepay. customers and processing personal data. If the business. The amounts received may be When a MobilePay user makes a payment you do not meet these obligations, we will held together with the funds stored for other using MobilePay, the purchase date, purchase deem this a breach of the Agreement. Please customers in the Pooling Account. amount and transaction ID and the business’s note that we do not provide information on the name and address etc. may appear on the applicable rules of law in this area. A5.2. Linking and verifying the business’s MobilePay user’s account statement or in the account MobilePay user’s MobilePay Box, but this Page 4 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

Your business can assign multiple bank dispute concerning the Agreement or Solution, solution. Please note that the integrator must accounts to the Solution. The bank accounts including amongst others in case of lack of be certified by MobilePay, but MobilePay is must be directly owned by the business, or payment of fees, and/or where this is not a party to the agreement between the possibly owned solely by the owner of a sole necessary to comply with current legislation, third-party integrator and the business. proprietorship. However, the sole trader may judicial orders or other requests from the only link (a) private account(s) to the Solution Danish or Greenlandic police or other public A6. Prices, settlement, subscription prices, if use of the private account(s) for business authorities. VAT, etc. related purposes is/are in accordance with the The current prices for the Solution and terms and conditions at any given time of the A5.4. Statement of the business’s transfers services are shown in the price lists for bank(s) the sole trader has registered in In relation to transfers to the business’s bank MobilePay’s business solutions – see MobilePay. Before your business can receive accounts, or to the owner of a sole mobilepay.dk. payments from your customers, the bank proprietorship’s bank accounts, for some accounts linked to the Solution must be solutions it will be possible for the business to MobilePay may change prices at any time at verified. All payments will thereafter be obtain a statement listing the payments 30 days’ notice, unless a regulatory transferred automatically to the registered received for the business to use for requirement etc. demands shorter notice. bank accounts. reconciliation via the MobilePay API.other Read more about bank account verification at solutions, the business’s bank can help Your business will be informed of the changes mobilepay.dk. provide a similar statement. Read more about via messages in the Portal or via email. both options at mobilepay.dk. A5.3. Receipt of payments Please note that if we charge VAT in line with Once MobilePay has verified the business’s If the business uses the MobilePay API, the section A6.3, the 30 days’ notice will not bank accounts, or verified the owner of the business is responsible for ensuring that the apply. sole proprietorships’ private bank accounts, all API is properly implemented in the business’s payments made using MobilePay will be system and in line with MobilePays rules and A6.1. Changes to prices transferred to the bank accounts once a day, instructions. These are available at Prices are handled differently for ‘ongoing unless a different option is selected in the mobilepay.dk. Non-compliance will be viewed contractual services’ and ‘one-off services’. MobilePay Portal. as a breach and may result in termination of ‘One-off services’ are, for example, when a the agreement under section A9.2. business purchases an additional one-off We reserve the right to postpone transfers to service or orders extra stickers. ‘Ongoing the bank account in cases where we need to The above will also apply if the business uses contractual services’ usually cover an carry out investigations or resolve an ongoing a third-party integrator to implement the API Page 5 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

agreement running for a certain period of time, Your business will be informed of the changes Portal or at mobilepay.dk, where you can also such as this Agreement. via messages in the Portal or via email. read more about the settlement methods. We may lower prices without notice. We may also introduce and raise prices for one-off New prices will apply to your business from For solutions subject to a paid subscription or services without notice. The same applies to the date they take effect, unless you notify us other non-transaction-related fees, these will new ongoing contractual services. that you do not want to be bound by them. be charged in line with the agreement the For existing ongoing contractual services, we business otherwise has with MobilePay may raise the regular prices you pay or If you notify us that you do not wish to be regarding method of payment (see above). introduce new fees, subscription payments, bound by the new prices, we may view the The business will be able to see information etc. (prices for services we did not previously contractual relationship as having been about this in the MobilePay Portal. charge for) at 30 days’ notice if the changes terminated from the time the new prices enter are due to market, earnings or competitive into force. If the business has chosen settlement method factors, including risk, regulatory and cost 1, the business may use the MobilePay Portal factors, in Denmark or abroad. Such factors A6.2. Collection/settlement to choose from which point of sale the monthly could be: For most solutions, the business may choose MyShop subscription is to be deducted.  a generally higher cost level between the following two settlement  greater operational risk methods: Please note that if there is insufficient revenue  changes in the law, legal practice or 1) The due amount is deducted from to cover fees etc., MobilePay reserves the measures taken by public authorities the daily revenue in the Pooling Account right to issue an invoice. etc. before this is transferred to the bank account  rationalisation of the use of our registered by the business as the receiving MobilePay is entitled to bundle and debit fees resources account for the given solution. If MobilePay etc. more than one month after the transaction  changes in taxes and duties provides services that are subject to VAT, the to which they relate has been processed.  capital requirements etc. business will receive an invoice for these.  a commercial need for changes in our 2) The due amount is collected by Fees etc. may be collected in other ways pricing and fee structure issuing an invoice once a month covering the where so agreed between your business and business’s total fees/charges for the previous MobilePay. There may be administrative  that the basis on which your individual month. An invoice fee will be added, and the charges in connection with fee collection. price terms were previously business will receive an invoice for this. The determined changes materially. price of this can be found in the MobilePay

Page 6 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

The collection method chosen has no bearing MobilePay is liable for damages for late or was entered into or ought to have avoided on MobilePay’s right to set off under section defective performance of our contractual or overcome the cause of the loss A17. obligations resulting from error or negligence.  under Danish (for businesses created in Even in areas of increased liability, we are not Denmark) or Greenlandic (for businesses We are entitled to demand payment for liable for losses arising from: created in Greenland) law, MobilePay is providing additional information or information  breakdown of or lack of access to IT liable for the cause of the loss under any delivered more frequently than entailed in the systems or damage to data in these circumstances. terms and conditions for MobilePay’s business systems due to any of the factors listed solutions when the Agreement was entered below and regardless of whether We are also not liable for: into. We may demand payment for sending MobilePay or a third-party supplier is  any loss incurred by your business as a information to your business about the responsible for the operation of these result of your customers’ or any third payments made. systems party’s unauthorised use of customer  power failure or a breakdown of access to MobilePay A6.3. VAT MobilePay’s telecommunications,  any loss incurred by your business as a The prices for the Solution and associated legislative or administrative intervention, result of any third party’s unauthorised services have been stated excluding VAT, natural disasters, war, riots, civil unrest, use of your access to the Solution unless otherwise noted. If the Solution is, sabotage, terrorism or vandalism  any indirect losses, operating losses, loss becomes or has been subject to VAT, we are (including computer virus attacks and of business or loss of interest. entitled to add VAT to prices and collect this hacking) VAT from the business.  strikes, lockouts, boycotts or picketing, We are liable for damages in line with the regardless of whether MobilePay or its above rules. Section 104 of the Danish To avoid misunderstandings, please note that organisation is itself a party to or has Payments Act therefore does not apply. we may also collect VAT we have paid for started such an industrial dispute and services already provided to or paid for by regardless of its cause. This also applies if A8. Breach of contract your business. The current applicable VAT the dispute affects only parts of MobilePay Breach of contract includes, but is not limited amount or rate is shown in the current price  other circumstances beyond the control of to, the following events: list for the Solution at mobilepay.dk. MobilePay.  your business fails to meet its payment obligations under the Agreement or the A7. MobilePay’s responsibility and liability We are not exempt from liability if terms and conditions for MobilePay, such  MobilePay ought to have foreseen the as in relation to payment refunds or non- cause of the loss when the Agreement payment of issued notes, invoices, etc. Page 7 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

 your business suspends its payments Your business may terminate the Agreement MobilePay may furthermore block access to  your business is subject to reconstruction covering the Solution in writing without notice. the Solution without notice on suspicion of  your business is declared bankrupt or is If your business has the MyShop solution, the unauthorised use of the Solution or the subject to other forms of insolvency Agreement may also be terminated in the Agreement, pending further investigation. proceedings, including suspension of MobilePay Portal. However, the termination Upon completion of the investigation, the payments, negotiations for a composition will not affect any claims raised by MobilePay Solution may either be reactivated or or debt restructuring for Greenlandic against your business as a result of customer terminated for breach of contract. businesses objections. Subscription fees and any prepaid  your business is the subject of an charges are not repayable. Notwithstanding The termination/cancellation also covers execution or attachment order the termination we reserve the right to issue access to/use of the MobilePay Portal.  your business otherwise ceases its an invoice for any unpaid bills, fees or other activities, regardless of the reason for this claims. Please note that if your business is not  your business significantly or repeatedly registered in any MobilePay solutions, fails to comply with the legal requirements A9.2. MobilePay’s termination MobilePay has the right to terminate the etc. governing the sale of its goods and MobilePay may terminate the agreement Agreement, including the agreement on the services covering the Solution in writing at 30 days’ MobilePay Portal, at 30 days’ notice. If your  your business does not immediately notice. In the event of breach of the business wishes to use MobilePay at a later comply with requirements resulting from agreement covering the Solution, we are date it must re-register. This means that a reasonable objections raised by your entitled to terminate the agreement at less new registration fee must also be paid. customers regarding your business’s than 30 days’ notice or without any notice. goods or services MobilePay may furthermore block access to A10. Change of address and assignment of MobilePay without notice if the business is rights  MobilePay receives repeated reasonable fully or partly subject to sanctions from Danish Your business is obligated to keep its email objections from your customers or Greenlandic authorities, the EU or the UN; and postal address up to date in the Portal, as  your business otherwise fails to comply see the Danish Ministry of Foreign Affairs’ list important messages are sent via this. with the terms and conditions for of sanctions or the like (e.g. US authorities MobilePay. such as the Office of Foreign Assets Control) You may not assign your rights or obligations

or in case of violation of anti-money in relation to the Solution without our prior A9. Termination laundering and tax control regulations. written consent. You may not assign the

agreement covering the Solution to a third A9.1. Termination by your business party. Page 8 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

registered for MobilePay. We may also the date of the transfer and your optional A11. Contact and assistance disclose information as stated in the technical message and logo to the payee. MobilePay Support can provide assistance for documentation on MobilePay’s Developer the Solution. You will find the telephone Portal. A14. Marketing number at mobilepay.dk. Messages regarding termination of the If your business has agreed to receive Agreement may also be shared with the marketing communication from MobilePay, we A12. Recording of telephone bank(s). can send email, text messages or other conversations etc. electronic information containing relevant MobilePay reserves the right to record and/or This information is disclosed so that the offers and information about other products register telephone conversations (both when receiving bank(s) can provide support to your deemed to be of interest to you. Consent to you call us and we call you) and other business and make information available to receive marketing communication may be communication with your business. We do this your business in their receiving account(s). revoked at any time. to document the content of the Your business’s branch code and account call/communication, including for number are disclosed, so that the bank(s) you A15. Consent to processing of personal administrative use. The recording/registration have registered in MobilePay can validate and data when you use payment services is for our own use only, including in relation to inform MobilePay that the account(s) belongs You consent to the processing of your any legal proceedings. For more information, to your business. Further, we can disclose personal data when you use the payment see mobilepay.dk/hjaelp/gdpr. aggregated information about amongst others services we provide in MobilePay. the total amount off and number of A13. Business information etc. transactions per payment place to the bank(s) The personal data processed is information We receive branch code and account number that you have registered in MobilePay, so the such as name, address, CPR number, phone information from you for the bank(s) you have receiving bank(s) can advise the business number, account number, information about registered for MobilePay. Read about how about the business’s use of MobilePay and in the services you are receiving, such as these are processed in section A15. order for MobilePay to rapport to, and payment transactions, including where you potentially settle with, the receiving bank(s). have used your MobilePay, whom you have When you have an agreement with MobilePay transferred money to or received money from, on a MobilePay solution, you also consent to When you receive or request money using and how you use MobilePay. MobilePay disclosing information about your MobilePay, we will send a message business’s Solution and use of the Solution, containing the amount, the business name Data may be disclosed to acquirers, banks in your CVR number and your branch code and you have registered, your MobilePay number, Denmark and Greenland and any relevant account number to the bank(s) that you have beneficiaries. Page 9 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

You can also call us on tel. +45 45 444 447. In The data are used to provide the payment A17. MobilePay’s right to set-off this way, we make sure that such services we offer you, including to execute MobilePay is entitled, without prior notice to disagreement is not based on a payment transactions, generate transactions your business, to set off any amount that you misunderstanding. and make entries, generate entry summaries, owe, whether due or not, against any present submit statutory reports to public authorities, or future receivable you may be due from us. If your business still disagrees or is not such as the taxation authorities and the satisfied with the result, you should write to Danish Financial Supervisory Authority, and A18. Supervisory authority our complaints officer. The address is make digital self-service solutions available to MobilePay is authorised by and under the MobilePay, att. Complaints Officer, Vester you. supervision of Søgade 10, 6th Floor, 1601 Copenhagen V or Finanstilsynet (the Danish Financial email to [email protected]. The data are processed in line with Supervisory Authority) ‘Information about MobilePay’s processing of Århusgade 110 A20. Interest and commissions personal data’, which can be found at DK-2100 Copenhagen Ø In some cases, MobilePay receives mobilepay.dk/hjaelp/gdpr. Tel. +45 33 55 82 82 commissions or other forms of consideration www.finanstilsynet.dk when we sell a business partner’s products or You may withdraw your consent at any time refer customers to another enterprise. Your by writing to [email protected], but The Danish Financial Supervisory Authority business can receive information about our this will mean that you can no longer use has registered our licence under FSA no. business partners by contacting us or at our MobilePay. 40505. website, mobilepay.dk.

A16. MobilePay’s right to reimbursement Furthermore, the Consumer Ombudsman and A21. Governing law and venue MobilePay is entitled to claim reimbursement the Danish Competition and Consumer These terms and conditions and any disputes for: Authority supervises compliance with certain arising from them are subject to Danish law,  any amount we pay on behalf of your statutory provisions under the Danish and the proper venue will be the courts of business, such as taxes, duties and Payments Act (Lov om betalinger). Denmark. communication costs  costs that we have incurred in order to A19. Complaints handle disputes your business’s Your business can always contact MobilePay Section B – MobilePay MyShop customers raise with us as a result of if you disagree with us. payment using MobilePay. Page 10 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

In addition to the terms and conditions set out Your business can also receive e-money PIN codes are not disclosed to unauthorised in section A, the following terms and payments from MobilePay Box. This only persons. conditions apply to MobilePay MyShop. applies to physical stores and not to distance sales. Failure to comply with this will be Where possible, devices on which the app is B1. What is MobilePay MyShop? considered a breach of the Agreement, which installed should be locked with a password or MobilePay MyShop is a payment solution that may result in termination in line with section a keypad lock. includes: A9.2.  an app (the ‘App’) your business may use B3. Use of MobilePay MyShop to receive and request payments for B2. Activating MobilePay MyShop goods and services from MobilePay As soon as the business has entered into an B3.1. Not for online sales or subscription users. See mobilepay.dk for more agreement regarding MobilePay MyShop and agreements information. MobilePay MyShop has been activated, MobilePay MyShop may not be used to  an online portal (the ‘Portal’), where your payments may be received from your receive payments for online sales or for business can see the total payments from customers, either as a MobilePay payment or subscription agreements. MobilePay users and manage their using e-money from the MobilePay user’s MobilePay MyShop may be used for MobilePay solutions and other services MobilePay Box. fundraising purposes – see section B3.9 for associated with MobilePay MyShop. more information. Special terms and conditions apply to the Your business will be sent stickers which you use of the Portal. can display to inform customers that they can B3.2. Clearly displayed information at use MobilePay to pay for goods and services business premises A ‘MobilePay number’ refers to a unique at your business. The stickers are free of Only official material supplied by MobilePay payment ID that MobilePay users can transfer charge and will be sent to the address may be used to indicate that payment using payments to. specified in connection with establishing the MobilePay, including payment using e-money agreement. from the MobilePay user’s MobilePay Box, is You can use MobilePay MyShop with several possible. In physical stores, stickers must be different MobilePay numbers. You are responsible for ensuring that the placed at eye level, unobstructed by other You can create and delete MobilePay information provided when establishing the elements. numbers in the Portal. When a MobilePay agreement is correct and up to date. Your business must ensure that: number is deleted, you can no longer receive  information is posted at the entrance to payments from customers via the number. To prevent unauthorised use of MobilePay your business premises or sales counter, MyShop, you must ensure that access and Page 11 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

clearly and visibly informing customers The requested amount may not exceed the The money is transferred only if the payment that they can pay using MobilePay purchase amount. MobilePay thus cannot be is approved and MobilePay is not blocked.  the MobilePay number to which payments used to make cash withdrawals. For more information, see mobilepay.dk. must be made is displayed clearly at the point-of-sale terminal. Finally, you can allow customers to pay using B3.5. Confirmation of transfer to the If your MobilePay MyShop agreement is MobilePay, including e-money from MobilePay customer terminated, irrespective of the cause, the Box, via a link or a QR code – e.g. on an Customers receive confirmation of transfers in MobilePay stickers must be removed. invoice. The link/QR code can be generated MobilePay once payments are completed. through a third party, such as a financial Customers can view confirmations of previous We are not liable for any damage to shop management system, if the third party offers transfers under ‘Activities’ in MobilePay. If furnishings or other equipment resulting from this, or your business can generate the payment has been made using e-money, the your business’s use of the stickers or any link/QR code itself. confirmation will be shown under ‘Box’ in other MobilePay MyShop material. For more information about generating MobilePay. These are transfer confirmations links/QR codes, see mobilepay.dk. and not purchase receipts. You must provide B3.3. Request for payment with MobilePay your customers with a purchase receipt. The business must inform the customer of the MobilePay solely makes this functionality final purchase amount before requesting available, and we assume no responsibility for B3.6. Post-transaction information payment. It is up to the customer to decide the business or the third party generating the Customer payments using MobilePay can be whether to pay using MobilePay or using e- link/QR code. Please also note that we do not viewed by your business in the App or the money from the customer’s MobilePay Box. provide support if the link/QR code is Portal immediately after the customer has generated via a third party. In such cases, you completed the payment. This is your The customer can then transfer the amount to must contact the third party. documentation for the completion of the your MobilePay number. You can also send a MobilePay transfer to your account. request with the final purchase amount to the The system may not be used for online trading customer. – see section B3.1 for more information. For payments made using e-money, the e- money amount received will be converted to Requests for payment using MobilePay must B3.4. Customer payments ordinary cash and added to your account. be made in accordance with the applicable As soon as a customer has approved a Each transaction will specify whether payment guidelines. payment in MobilePay, the customer can see was made using ordinary cash or e-money. For more information, see mobilepay.dk. that the amount will be paid. See also section A5.1.

Page 12 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

B3.7. Reversal of payments Specifically for Greenland, any use of MobilePay MyShop if it suspects MobilePay Your business can reverse payments made MobilePay MyShop for fundraising purposes MyShop is being misused. You must also give with MobilePay through MobilePay MyShop, must comply with the rules of SKAT and the us all the information required for us to for example if a customer wants to return a Public Fundraising Act (Lov om offentlige investigate the suspected unauthorised use of purchase. You can reverse the amount paid indsamlinger), and is subject to MobilePay’s your MobilePay MyShop and to take by the customer. prior written consent. corrective and legal measures. For more information, see mobilepay.dk. In connection with fundraising, your business Call +45 45 144 440. B3.8. Using your business’s logo must comply with the rules applicable at any You can upload your business logo to the App time on use of the MobilePay logo etc., which to display it on MobilePay users’ receipts etc. are provided on approval of the fundraising. Section C – MobilePay AppSwitch in MobilePay. In addition to the terms and conditions set out You must also register your location to enable B4. Objecting to payments in section A, the following terms and MobilePay users to view your business name If one of your customers raises a claim conditions apply to MobilePay AppSwitch. in MobilePay when they are in the vicinity, if against MobilePay as a result of an objection they use this function. relating to the purchase of goods or services C1. What is MobilePay AppSwitch? MobilePay reserves the right to block your from your business, we may instruct the MobilePay AppSwitch is a payment solution access to MobilePay MyShop in the event of customer to raise the claim against you. If one allowing businesses to integrate MobilePay as misuse, if you have provided incorrect of your customers contacts MobilePay a payment solution in their own apps. information about the location of payment regarding reversal in accordance with the MobilePay AppSwitch allows MobilePay users sites, or if you use logos that we deem to be rules of the Danish Payments Act, MobilePay to choose MobilePay as a payment option in morally or ethically questionable or which will consider the matter in accordance with the your app. The user will be taken to the might harm our image or brand. applicable legal requirements. You must MobilePay app where payment can be indemnify us for any claims raised in executed. Once the payment has been B3.9. Fundraising connection with a customer objection. We completed, the user will return to your app. Any use of MobilePay MyShop for fundraising have the option to set off any claims (see purposes must comply with the rules of SKAT section A17). MobilePay AppSwitch is compatible with and the Danish Fundraising Act Android and iOS. (Indsamlingsloven), and is subject to B5. Unauthorised use MobilePay’s prior written consent. The business must contact MobilePay as C2. Implementation and activation of soon as possible to block its access to MobilePay AppSwitch Page 13 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

business must indemnify MobilePay for any C2.1. Activation of MobilePay AppSwitch C3. Use of MobilePay AppSwitch claim MobilePay may be met with and any When your business has concluded a loss MobilePay may incur as a result of your MobilePay AppSwitch agreement, you can C3.1. Only for use for purchases made failure to comply with the above requirement. activate MobilePay AppSwitch by following the through apps information on setting up MobilePay at Your business may only receive payments in C3.3. Clearly displayed information in the mobilepay.dk. MobilePay AppSwitch for the sale of goods business’s app and services if this complies with the rules Your business must ensure that information is You are then ready to receive customer applicable to your app and sales via the app provided in your app, clearly and visibly payments using MobilePay AppSwitch. (see section C3.2). advising customers that they can pay using MobilePay. You can set up several AppSwitch IDs by You may not use MobilePay AppSwitch for contacting us on +45 45 144 440 if, for receiving payments for subscription You must ensure that MobilePay is spelled example, you wish to integrate MobilePay into agreements. correctly and that only official logos are used. several apps. Logos may be downloaded via mobilepay.dk. C3.2. Use and responsibility and liability You are responsible for ensuring that the for use If your MobilePay AppSwitch agreement is information provided when establishing the Your business must comply with any rules and terminated or expires, irrespective of the agreement and in your app is correct and up conditions applying at any time to your app cause, MobilePay instructions and logos must to date. and sales made through your app. This be removed from your apps. applies, for example, to the rules that Apple C2.2. Implementation of MobilePay and Google set for developing and using your C3.4. Request for payment with MobilePay AppSwitch app. For example, you may not receive You must inform customers of the final Your business is responsible for ensuring that payments in your app via MobilePay purchase amount before requesting payment MobilePay AppSwitch has been correctly AppSwitch for services intended for use in the with MobilePay. The amount to be paid for the implemented in your app and in compliance app. Examples of such services are music product will automatically be transferred to with MobilePay’s rules and instructions. These services, magazines and subscriptions, etc. MobilePay when your app switches to are available at mobilepay.dk. MobilePay. In addition, the solution must be tested If your business fails to comply with the according to the procedure described at above, this will be deemed a breach, entitling The amount you request to be paid in mobilepay.dk. MobilePay to terminate the Agreement. Your MobilePay may not exceed the purchase Page 14 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

amount. MobilePay thus cannot be used to Your business can reverse payments made Act, and is subject to MobilePay’s prior written make cash withdrawals. with MobilePay if a customer wants to return a consent. purchase, for example. This function is If you use the ‘reservation af beløb’ available if you have integrated with our Specifically for Greenland, any use of (reservation of amount) function, your MobilePay AppSwitch APIs. You cannot MobilePay AppSwitch for fundraising business must ensure that the customer has reverse more than the amount paid by the purposes must comply with the rules of SKAT been notified of this, and the reservation must customer. and the Public Fundraising Act (Lov om be terminated immediately after a purchase is offentlige indsamlinger), and is subject to cancelled. C3.8. Post-transaction information MobilePay’s prior written consent. Once the customer has approved a payment C3.5. Customer payments via MobilePay, MobilePay will reserve or In connection with fundraising, your business As soon as a customer has approved a transfer the amount. In case of reservations of must comply with the rules applicable at any payment in MobilePay, the customer can see amounts, the transfer is executed when your time on use of the MobilePay logo etc., which in the MobilePay app that a purchase has business collects the payment with the are provided on approval of the fundraising. been made. capture service. C4. Objecting to payments The money is transferred only if the payment C3.9. Business name and logo If one of your customers raises a claim is approved and MobilePay is not blocked. When setting up the AppSwitch ID, the name against us as a result of an objection relating For more information, see mobilepay.dk. and logo of your business must be provided. to goods or services purchased from you, we The name and logo will appear on the may instruct the customer to raise the claim C3.6. Confirmation of transfer to the MobilePay user’s receipt in MobilePay. against you. If one of your customers contacts customer MobilePay reserves the right to block your MobilePay regarding reversal in accordance Customers receive confirmation of transfers in access to MobilePay AppSwitch in the event with the rules of the Danish Payments Act, MobilePay once payments are completed. of misuse, or if you use logos that we deem to MobilePay will consider the matter in Customers can view confirmations of previous be morally or ethically questionable or which accordance with the applicable legal transfers under ‘Activities’ in MobilePay. could harm our image or brand. requirements. You must indemnify us for any These are transfer confirmations and not claims raised in connection with a customer purchase receipts. You must provide your C3.10. Fundraising objection. We have the option to set off any customers with a purchase receipt. Any use of MobilePay AppSwitch for claims (see section A17). fundraising purposes must comply with the C3.7. Reversal of payments rules of SKAT and the Danish Fundraising Page 15 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

C5. Blocking access to MobilePay In addition to the terms and conditions set out Screen) function can be used for payments AppSwitch in section A, the following terms and under DKK 250 currently. However, the user Your business must contact MobilePay as conditions apply for MobilePay Point of Sale will be regularly asked to approve the soon as possible to block your access to (‘MobilePay POS’). payment by opening the MobilePay app, even MobilePay AppSwitch if you suspect any if the amount is below the current spending inappropriate use of your app, including D1. What is MobilePay POS? limit. MobilePay AppSwitch. MobilePay POS is a payment solution allowing businesses to receive MobilePay MobilePay POS is compatible with iOS and Call +45 45 144 440 and state your AppSwitch payments in physical shops using a Android. ID. MobilePay box, a QR code or a terminal which accepts both MobilePay and payment cards. D2. Implementation and activation of C6. Unauthorised use MobilePay POS If you suspect or discover unauthorised use of These rules apply irrespective of which of the your MobilePay AppSwitch, you must contact above options your business uses, unless D2.1. Requirements for use of MobilePay MobilePay immediately. You must also give otherwise specifically stated. POS us all the information required for us to In order to use MobilePay POS, you must: investigate the suspected unauthorised use of MobilePay POS allows MobilePay users to  sign an agreement with MobilePay on your MobilePay AppSwitch and to take pay by holding their phones to the MobilePay MobilePay POS corrective and legal measures. box/terminal installed by your business at the  purchase/lease the desired number of payment system or scanning the QR code MobilePay boxes/QR codes/terminals and You may remove MobilePay AppSwitch as a displayed. A request for the purchase amount install the solution. payment function in your app if your suspect is then sent to the user’s phone, and the any inappropriate use of the app, and we may MobilePay user confirms the purchase by If the solution has to be integrated into your block an agreement at any time if we suspect approving the amount in his or her MobilePay point-of-sale terminal, this must be done by a unauthorised use. app. payment system provider certified by us.

Call +45 45 144 440 and state your AppSwitch If the user has activated the ‘Betal fra låst D2.2. Implementation of MobilePay POS ID. skærm’ (Pay from Locked Screen) function, You are responsible for ensuring that the user can confirm the purchase from his or MobilePay POS is correctly implemented in her phone, even though the screen is locked. your payment systems and that all MobilePay Section D – MobilePay Point of Sale The ‘Betal fra låst skærm’ (Pay from Locked Page 16 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

boxes/QR codes/terminals are correctly support for sample code or implementations deregistered, you can no longer receive installed and connected. made fully or partly by means of a sample payments from MobilePay users in shops code. You can read more about sample codes where the ID was used. You are responsible for purchasing and on MobilePay’s developer site. configuring your own payment systems and all D2.4. Access for other parties to MobilePay the MobilePay boxes/QR codes/terminals you MobilePay, including affiliated companies, boxes need for roll-out. disclaims any liability for the sample code, This section applies only if your business uses including whether it works as intended, a MobilePay box. You are also responsible for correcting any whether it continues to work as intended and errors and maintenance of your own payment whether it is free of faults. Irrespective of You are not entitled to sell or in any other way systems and MobilePay boxes/QR section A7, we disclaim any liability for any make arrangements for MobilePay boxes codes/terminals. loss that you may incur using the sample without MobilePay’s prior consent. code. D2.2.1. Use of sample code You can give other payment service providers MobilePay A/S can choose to make a sample MobilePay A/S may choose no longer to make or providers of other services access to code available to you in your business. The a sample code available at any given time MobilePay boxes. In such case, we will be sample code illustrates how you can without notice. entitled to payment of the access fee set out implement and use MobilePay POS. in the ‘Charges for MobilePay POS’ list. In D2.3. Activation of MobilePay POS case of such access, you must always inform If we make a sample code available, you may When the requirements for use of MobilePay us of the MobilePay box serial number. It is only use and modify the sample code for POS are met, we will set up shop IDs that you also a requirement that no changes be made implementation of MobilePay POS. If you use must use to activate MobilePay POS. to the existing technical configuration for a third party to perform integration on your MobilePay. If other payment service providers behalf, the third party must have been certified You are then ready to receive customer or providers of other services want to use by MobilePay. Even if you are using a third payments via MobilePay POS. MobilePay systems, such use requires an party, you remain responsible for ensuring You can use MobilePay POS in different agreement to be concluded with us, and we that the implementation is performed correctly, shops, self-service vending machines or other reserve the right to demand payment for this. see also section D2.2. physical outlets. We cannot be held liable for disruptions, You can deregister shop IDs associated with losses or expenses in relation to other The sample code is made available to you as MobilePay POS by contacting MobilePay payment service providers’ or providers of is. MobilePay A/S does not provide technical Support. Once a shop ID has been Page 17 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

other services’ access to and use of the (website). You will receive a link to the MobilePay POS stickers, MobilePay MobilePay boxes. website when you have been set up as a boxes/QR codes/terminals or any other MobilePay POS customer. MobilePay POS material. D3. Use of MobilePay POS Using the stickers provided or your own D3.3. Request for payment with MobilePay D3.1. Physical trade only signage, you must ensure that: You must inform customers of the final You may only receive payments in MobilePay  information is posted at the entrance to purchase amount before requesting payment POS for sales of goods and services in your business premises, clearly and with MobilePay. The request for the amount is physical shops where the goods or services visibly advising customers that they can automatically transferred to MobilePay when are delivered in direct connection with the pay with MobilePay the request is sent from your payment payment or prior to payment.  information is posted by the point-of-sale system/terminal to MobilePay. terminal, clearly advising customers that MobilePay POS may not be used to receive they can pay with MobilePay The amount you request to be paid in payments for online commerce or for  MobilePay boxes/QR codes/terminals are MobilePay may not exceed the purchase subscription agreements. placed in a clear and visible location by amount. MobilePay thus cannot be used to the point-of-sale terminal. make cash withdrawals. D3.2. Clearly displayed information at business premises When MobilePay can be used for payment in D3.4. Customer payments Your business will receive stickers which you vending machines, it must be clearly shown As soon as a customer has approved a can display to show your customers that they on the vending machine that it is possible to payment in MobilePay, the customer can see can use MobilePay to pay for goods and use MobilePay – either using the supplied that the amount will be paid. services at your premises. MobilePay stickers or the vending machine display. The money is transferred only if the payment You may also be given access to visual is approved and MobilePay is not blocked. For material which will allow you to make your If your MobilePay POS agreement is more information, see mobilepay.dk. own stickers and signs. In the event of any terminated or expires, irrespective of the non-compliance with the terms and conditions cause, the MobilePay stickers and other D3.5. Confirmation of transfer to the for use of MobilePay graphics, MobilePay may signage must be removed. Any unused customer request that any non-compliant signage be stickers must be returned to us. We are not Customers receive confirmation of transfers in removed. The terms and conditions for use of liable for any damage to shop furnishings or MobilePay once payments are completed. MobilePay graphics are available online other equipment resulting from your use of Customers can view confirmations of previous Page 18 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

transfers under ‘Activities’ in MobilePay. have provided incorrect information about the These are transfer confirmations and not location of sales outlets, or if you use logos D4. Objecting to payments purchase receipts. You must provide your that we deem to be morally or ethically If one of your customers raises a claim customers with a purchase receipt. questionable or which could harm our image against us as a result of an objection relating or brand. to goods or services purchased from you, we D3.6. Post-transaction information will instruct the customer to raise the claim Customer payments with MobilePay can be D3.9. Vending machines against you. If one of your customers contacts viewed in your business’s payment system MobilePay POS may be used for payment MobilePay regarding reversal in accordance immediately after the customer has completed with MobilePay in vending machines and self- with the rules of the Danish Payments Act, the payment. This is your documentation for service solutions. Subject to prior approval by MobilePay will consider the matter in the completion of the MobilePay transfer to MobilePay, your business can receive accordance with the applicable legal your Pooling Account. payments via a QR code on display instead of requirements. You must indemnify us for any payment via the MobilePay box. claims raised in connection with a customer D3.7. Reversal of payments objection. We have the option to set off any Your business can reverse payments made D3.10. Fundraising claims (see section A17). with MobilePay through the payment system/a Any use of MobilePay POS for fundraising terminal if a customer wants to return a purposes must comply with the rules of SKAT D5. Blocking access to MobilePay POS purchase, for example. You cannot reverse and the Danish Fundraising Act, and is You must contact MobilePay as soon as more than the amount paid by the customer. subject to MobilePay’s prior written consent. possible to block access to MobilePay POS if you suspect any inappropriate use of your D3.8. Using your business’s logo Specifically for Greenland, any use of MobilePay POS, including systems linked to Your business must submit its logo for the MobilePay POS for fundraising purposes must MobilePay POS. creation of brand and shop IDs. The logo will comply with the rules of SKAT and the Public be displayed on MobilePay users’ receipts etc. Fundraising Act (Lov om offentlige Call +45 45 144 440 and state your customer in MobilePay. You may also register your indsamlinger), and is subject to MobilePay’s number. location to enable MobilePay users to view prior written consent. your business name in MobilePay when they D6. Unauthorised use are in the vicinity, if they use this function. In connection with fundraising, your business If you suspect or discover unauthorised use of must comply with the rules applicable at any your MobilePay POS, you must contact We reserve the right to block your access to time on use of the MobilePay logo etc., which MobilePay immediately. You must also give MobilePay POS in the event of misuse, if you are provided on approval of the fundraising. us all the information required for us to Page 19 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

investigate the suspected unauthorised use of needing to show a membership card or After your business has activated the function, your MobilePay POS and to take corrective disclose a membership number. you are obligated to process the membership and legal measures. number that was transferred from MobilePay E1. Activation of Memberships to you in accordance with the applicable rules D7. Disclosure of information about Your business must have MobilePay POS in on processing membership numbers. MobilePay POS IDs and API keys, etc. order to offer your customers the use of Your membership scheme must comply with We may disclose information about your Memberships. Call MobilePay on tel. +45 45 the rules applicable at any time for such MobilePay POS IDs and API keys, email 144 440 to activate the function. schemes. For example, you are obligated to address, telephone number and other relevant state the terms and conditions for the business-specific information to the supplier of E2. Use of Memberships membership scheme. your POS box(es)/terminal(s) or cash register. When Memberships has been activated, This information is disclosed to allow MobilePay will automatically transfer the We are not a party to the agreement on the connection to be made to your MobilePay membership number to your cash register membership scheme between you and your POS units. The data will be transmitted via system – assuming that your customer has customer. secure connections. The disclosed information entered his or her membership number for If we, for whatever reason, are required to may not be used for other purposes. your business. In this way, your customer disburse a bonus or other types of need not show their membership card or membership benefits offered to your disclose their membership number to the cash customers, or to act as though we are a party Section E – Memberships register staff. to the agreement, you must indemnify us in In addition to the terms and conditions set out every respect for any loss. in section A, the following terms and E3. Registration of information conditions apply to Memberships. Upon transfer of a membership number, the E5. Termination/expiry of MobilePay POS number will be registered in MobilePay’s If the MobilePay POS agreement is Memberships is a function that can be linked systems for use in the administration of the terminated, irrespective of the cause, access to MobilePay POS. Memberships allows your Memberships function. to Memberships will also be terminated. Your customers to register their membership The information is used exclusively for the business may terminate the agreement on numbers for membership in your business in administration of Memberships in accordance Memberships at any time. MobilePay. This enables the customer’s with these terms and conditions. membership number to be sent automatically E6. MobilePay’s rights in case of to you when the customer makes a payment E4. The business’s responsibility for termination or blocking using MobilePay, without the customer Memberships Page 20 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

If MobilePay terminates the agreement on the to conclude an agreement with your business business’s responsibility to ensure that this is use of MobilePay POS, the agreement on covering future recurring payments and single done in accordance with the conditions stated Memberships will also be terminated. The payments (e.g. a subscription agreement or here. MobilePay is not a party to the same applies if we block access to MobilePay. other continuing agreement with fixed or agreement between the third-party integrator variable payment frequency) using MobilePay and your business. If we believe the agreement on Memberships in an ongoing contractual relationship is breached, we reserve the right to block or between the business and the customer. A F3. Use of MobilePay Subscriptions terminate the agreement on MobilePay; see clear, separate agreement on this must be also the terms and conditions for MobilePay concluded between the customer and your F3.1. Only for registered payment POS. The same applies if this is required business. Payments may relate solely to a agreements according to statutory or regulatory specific contractual relationship. Your business may submit recurring and requirements. single payment requests only if agreed by the In addition, your business will also be able to customer and your business, and if the receive payment for single purchases with customer has linked the payment agreement Section F – MobilePay Subscriptions MobilePay Subscriptions, when your to his or her MobilePay. In addition to the terms and conditions set out customers have registered a Subscriptions in section A, the following terms and payment agreement. MobilePay Subscriptions may not be used for conditions apply to MobilePay Subscriptions. submission of bills relating to debt collection. F2. Implementation of MobilePay Please note that the following sentence in Subscriptions If your business uses an app, you may not A9.2 does not apply to MobilePay Your business is responsible for ensuring that initiate approvals of payment agreements Subscriptions: “MobilePay may terminate the MobilePay Subscriptions has been correctly directly from apps (applications for agreement covering the Solution in writing at implemented in your system and in smartphones). 30 days’ notice”. Instead, MobilePay may compliance with MobilePay’s rules and terminate the MobilePay Subscriptions instructions. These are available at If your business receives payment using agreement at two months’ notice. The rest of mobilepay.dk. In addition, the solution must be MobilePay for purchases, and such purchases A9.2 applies to MobilePay Subscriptions. tested according to the procedure described are made in the business’s app, the at mobilepay.dk. purchased items (goods and services) must F1. What is MobilePay Subscriptions be intended for use outside the app. MobilePay Subscriptions (‘Subscriptions’) is a If your business uses a third-party integrator solution that allows your business’s customers to implement the solution, it is still your Page 21 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

Your business must comply with any rules and must be removed from your websites or You must inform customers of the final conditions applying at any time to your app shops. purchase amount before requesting payment and sales made through your app. This with MobilePay. applies, for example, to the rules that Apple F3.3. Request for payment with MobilePay and Google set for developing and using your In case of single payments, the purchase app. For example, you may not receive F3.3.1. Recurring/repeating bills amount is reserved and the purchase will not payments in your app via MobilePay for When your business has concluded a be completed until MobilePay is informed that services intended for use in the app. payment agreement with your customer, and the product/service has been delivered in Examples of such services are music your customer has approved the link to its accordance with the applicable legislation in services, magazines and subscriptions, etc. MobilePay, you will be able to send the the area. Your business is obliged to inform recurring and single bills to the customer for the customer of the reservation in accordance If your business fails to comply with the payment with MobilePay. with the applicable legislation, guidelines, etc. above, this will be deemed a breach, entitling Your business is obliged to ensure that the MobilePay to terminate the Agreement. Your You must advise the customer of the bill in customer has been made aware of this. Your business must indemnify MobilePay for any accordance with the applicable legislation. business is also obliged to cancel the claim MobilePay may be met with and any MobilePay is not responsible for notifying your reservation if the purchase is not completed or loss MobilePay may incur as a result of your business’s customers. is interrupted. failure to comply with the above requirement. Your business will be able to reverse The amount of the payment will be transferred payments or parts of payments. This applies F3.2. Clearly displayed information on the payment date agreed with the to both single payments and recurring bills. Your business must ensure that information is customer, provided that sufficient funds are provided, clearly and visibly advising available to cover the amount. MobilePay F3.4. Customer payments in case of both customers that they can pay with MobilePay. Subscriptions supports all types of payments recurring/repeated and single payments Your business must ensure that MobilePay is (recurring and single) and it is the As soon as a MobilePay payment has been spelled correctly and that only official logos responsibility of the business to comply with completed, the customer can see that the received from MobilePay are used. Logos applicable legislation in this area, including the amount has been paid. may be downloaded via mobilepay.dk. Consumer Ombudsman’s guidelines on The money is transferred only if the payment If your MobilePay Subscriptions agreement is ‘payments initiated by the payee’. is approved and MobilePay is not blocked. terminated or expires, irrespective of the For more information, see mobilepay.dk. cause, the MobilePay instructions and logos F3.3.2. Single payments

Page 22 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

F3.5. Confirmation of transfer to the cannot reverse more than the amount paid by recipients and the Consumer Ombudsman’s customer the customer. guidelines for subscriptions applicable at any Customers receive confirmation of the transfer time. in MobilePay once collection from a payment F4. Objecting to payments agreement or a single payment is completed. If one of your customers raises a claim Customers can view confirmations of previous against MobilePay as a result of an objection If your business fails to comply, we will deem transfers under ‘Activities’ in MobilePay. relating to the purchase of goods or services it a breach of your MobilePay Subscriptions These are transfer confirmations only. paid under a MobilePay Subscriptions agreement with MobilePay. Please note that scheme, we will instruct the customer to raise we do not provide information on the F3.6. Business logo, images and the claim against your business. If one of your applicable rules of law in these areas. information about the business customers contacts MobilePay regarding Your business logo will be uploaded to reversal in accordance with the rules of the Your business is responsible for ensuring that MobilePay to be displayed on customer Danish Payments Act, MobilePay will consider future payments are initiated exclusively for receipts, payment agreements, etc. in the matter in accordance with the applicable customers who have accepted that you submit MobilePay. legal requirements. Your business must such payments in line with section F3.1. Similarly, you can display information about indemnify MobilePay for any claims raised in your business in images and text with connection with a customer objection. reference (links) to the business’s website. Section G – MobilePay Invoice MobilePay reserves the right to block your F5. Responsibility and liability In addition to the terms and conditions set out business’s access to MobilePay Subscriptions Your business must comply with all legal in section A, the following terms and if you use logos, images or text that requirements governing trade in your goods conditions apply to MobilePay Invoice. MobilePay deems to be morally or ethically and services, applicable at all times, including questionable or which could harm MobilePay’s payment agreements concluded with your G1. What is MobilePay Invoice? image or brand. customers and submitted for payment with MobilePay Invoice is a solution that allows MobilePay Subscriptions. This applies to rules your customers to receive and pay invoices in F3.7. Reversal of payments governing disclosure of information and MobilePay. All that is required is for your Your business can reverse payments made notification, marketing and processing of business to send the invoice to the customer’s with MobilePay if a customer wants to return a personal data as well as for businesses MobilePay – for example via our API or using purchase, for example. This function is created in Denmark, the Consumer a MobilePay certified integrator. Find out more available if your business is integrated with Ombudsman’s guidelines applicable at any about APIs and certified integrators at our MobilePay Subscriptions APIs. You time for payments initiated by payment mobilepay.dk. Page 23 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

customer will also receive a reminder via text accordance with the applicable legal The business may choose: message when the invoice falls due. requirements. Your business must indemnify  to send the invoice directly to the MobilePay for any claims raised in connection customer’s MobilePay – the G3. Customer payments with a customer objection. recipient’s name and mobile number As soon as a customer has paid an invoice must be specified in this case using MobilePay, they can see in MobilePay G6. The business’s logo or that the amount gets paid. The payment is Your business can have its logo uploaded by  to add MobilePay as a payment only executed if it is authorised and MobilePay MobilePay so it is displayed on MobilePay method in its existing invoice flow, is not blocked. For more information, see customer receipts etc. in MobilePay. e.g. using a MobilePay payment mobilepay.dk. button in an online environment. Your MobilePay reserves the right to block your customer can then open the invoice G4. Confirmation of transfer to the business’s access to the Solution in the event directly, and view and pay it using customer of misuse, or if your business uses logos that MobilePay. When the customer has paid an invoice in we deem to be morally or ethically MobilePay, they will receive confirmation of questionable or which could harm our image G2. Use of MobilePay Invoice the payment in MobilePay. If the customer or brand. In order to use MobilePay Invoice, the needs to access this confirmation at a later customer has to activate ‘Bills’ in MobilePay. time, it is available under ‘Activities’ in G7. Implementation of MobilePay Invoice If your business sends the invoice directly to MobilePay. This is simply a confirmation that Your business is responsible for ensuring that the customer’s MobilePay, you must have an payment was made. MobilePay Invoice has been correctly agreement with the customer that allows you implemented in your system and in to request payment of invoices in MobilePay. G5. Objecting to payments compliance with MobilePay’s rules and If one of your customers raises a claim instructions. These are available at Your business must also ensure that the against MobilePay as a result of an objection mobilepay.dk. In addition, the solution must be information you use to send invoices to the relating to the purchase of goods or services tested according to the procedure described customer – such as their mobile number – is paid for by sending an invoice, we will instruct at mobilepay.dk. always correct and up to date. the customer to raise the claim against your business. If one of your customers contacts If your business uses a third-party integrator If the customer has activated notifications, MobilePay regarding reversal in accordance to implement the solution, it is still your MobilePay will send a notification to the with the rules of the Danish Payments Act, business’s responsibility to ensure that this is customer together with the invoice. The MobilePay will consider the matter in done in accordance with the conditions stated Page 24 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.

here. MobilePay is not a party to the regarding this data processing relationship. agreement between the third-party integrator MobilePay commits, to the extent of its role and and your business. responsibilities, to inform you in case of a data breach in connection to data concerning your MobilePay and you acknowledge to comply business. Likewise, MobilePay will provide with all of the obligations set out in the General reasonable assistance to you, in the event your Data Protection Regulation 2016/679 (the customers request to exercise their rights “GDPR”) and any applicable national under Chapter III of GDPR. supplementary legislation as amended from G8.2. Payment of the amount set in the time to time or any regulation replacing the GDPR. You and MobilePay shall take all Invoice necessary measures to ensure compliance with the law with regard to their responsibilities On the premises of the payment being made in as data controller or data processor connection to the invoices, you and MobilePay respectively. act as separate data controllers. You and MobilePay individually processes personal G8.1 Creation of Invoice data in accordance with their business needs and legal obligations.

In the creation of the InvoiceLink, MobilePay shall be deemed as the data processor, who acts on your behalf as the data controller. As the data processor, MobilePay processes the data in line with your instructions and only retains the data for the time frame specified by you. MobilePay implements the appropriate technical and organizational measures so that the personal data processed in Invoice Link is appropriately secured. For more detailed information about the applicable security measures see here.

As the data controller, you have the responsibility to inform your customers

Page 25 of 23 MobilePay A/S, Vester Søgade 10, 6., 1601 Copenhagen V, Denmark. CVR no.: 38 29 21 88.