Attachment
Prepaid Card Terms of Use
This Prepaid Card Use Term is an annex (“Annex”) and an integral part of the Terms and Conditions of Use of the QYON Platform (“Term”) and aims to establish the conditions for the use of the Prepaid Card by the USER .
When using the Prepaid Card, the USER automatically agrees with all the rules in this Annex, taking full responsibility for any and all acts performed.
All terms, conditions, limits and responsibilities set out in the Terms and Conditions for Opening a Payment Account, which were expressly accepted by the USER before requesting the Prepaid Card, fully apply to this Annex.
If you do not agree with any of the terms and conditions established below, the USER must not use the Prepaid Card.
Services related to the Prepaid Card will be provided byQYON TECNOLOGIA S.A., registered with the CNPJ/MF under nº 38.469.354/0001-52, with headquarters at Rua Carijós (Via Luiz De Queiroz Sp-304), nº 800, Quadra gleba C2A, Parque Novo Mundo, in the city of Americana, state of São Paulo, CEP: 13467-800 (“PARTNERS”), in partnership with FLAGSHIP INSTITUAÇÃO DE PAGAMENTOS LTDA., registered with the CNPJ/MF under No. 23.114.447/0001-97, with headquarters at Rua Cardeal Arcoverde, 2365, Conjunto 12, Pinheiros, in the city of São Paulo, state of São Paulo (“Payment Institution”) and by BIZ TECNOLOGIA EM MEIOS DE PAGAMENTO LTDA., a business company with headquarters at Avenida São Gabriel, 555, 7° Andar, conj. 704, Jardim Paulista, CEP 01435-001, in the city of São Paulo, State of São Paulo, registered with the CNPJ under number 07.155.434/0001-00 (“Issuer”).
1. Definitions
1.1. Without prejudice to the definitions given in the Term and which also apply to this Annex, the words below, when used in the singular or plural, will have the following meanings:
“Band”: the payment arrangement established by Visa, licensor of the brand and responsible for the systems that allow the issuance of the Prepaid Card and accreditation of Establishments.
“Chargeback”: is the dispute procedure through which the USER declares that he does not recognize an expense made with his Prepaid Card.
“Establishment”: any supplier of products and/or services that is authorized to accept payments with a Prepaid Card, in Brazil and/or abroad, in physical stores or via the internet.
2. Object
2.1. Through this Annex, the USER acquires the physical Prepaid Card, linked to the Payment Account that will be opened with the Issuer, enabling the USER to purchase goods and services from Establishments affiliated with the Brand indicated on the respective card.
2.2. The deadline for sending the Prepaid Card will be informed on the Platform and through the PARTNER's service channels.
2.3. Once the issuance of the Prepaid Card is approved, the USER, as a holder of a Visa Card, will have the benefits granted by Visa and its partners.
3. Accreditation
3.1. To purchase the Prepaid Card, the USER must be accredited to the PARTNER.
3.2. By adhering to this Annex, the USER agrees to the opening of a new individual and exclusive Payment Account, of their exclusive ownership, with the Issuer
3.3. If, after issuing the Prepaid Card, the PARTNER, the Payment Institution and the Issuer find that the USER has provided false, incomplete, misleading, erroneous, misleading information, or that it does not allow the USER's identity to be identified, They may (i) request clarifications and additional documentation that they deem necessary to properly prove the information provided and to validate the registration, and may even refuse to validate any registration, at their sole discretion or (ii) automatically delete the your registration, suspend or cancel the Prepaid Card.
3.4. The PARTNER, the Payment Institution and the Issuer will not be responsible for the misuse of the Prepaid Card by third parties, as well as for any direct or indirect damage that results from the misuse or inability to use the Prepaid Card by the USER or by any third party, provided that, if there is evidence or indications of irregular, inappropriate or suspicious use of the Prepaid Card, the USER may have their registration immediately suspended or canceled, without prejudice to other legal and contractual sanctions.
4. Use of the Prepaid Card
4.1. After approval of your accreditation with the PARTNER and the Issuer, the USER will be able to carry out payment transactions using the Prepaid Card, as long as the balance is available, including:
(a) Purchases at Establishments: the USER may make purchases at any Establishment that is a supplier of products and/or services that are able to accept payments with their Prepaid Card, in Brazil and/or abroad, in physical stores or through the internet; It is
(b) Withdrawal: withdrawal of funds from enabled electronic terminals, using a Prepaid Card. In this case, additional fees may be charged by the companies managing these terminals.
4.2. As soon as the USER receives the Prepaid Card, he will be responsible for checking his details, and the Prepaid Card will be delivered blocked, as a security measure and the unlocking must be carried out through the service channels indicated on the Platform.
4.3. The USER must pay attention to the Visa payment arrangement regulations, which have specific terms and conditions for their use.
4.4. The USER is solely responsible for the use and storage of their Prepaid Card. It is recommended that the USER: (i) keep their Prepaid Card in a safe place, never allowing it to be used by third parties; (ii) memorize your password and keep it confidential, avoiding writing down or saving the password on physical or digital media, and; (iii) never write down or store the password together with your Prepaid Card; and, furthermore, (iv) do not use passwords related to dates or other personal references of the USER and routinely change your password as a security measure.
4.5. In case of loss, loss, theft or theft of the Prepaid Card, the USER must immediately contact one of the service channels indicated on the Prepaid Card or on the PARTNER's Platform. After contact, use and access to the Prepaid Card may be temporarily blocked until the USER receives a new card.
4.5.1. Upon cancellation of the blocked card, a new Prepaid Card will be issued to the USER, and will be delivered within the previously informed deadlines. Additional fees may be charged for issuing the new Prepaid Card, which will be automatically deducted from the USER's Payment Account.
4.6. The PARTNER, the Payment Institution and/or the Issuer are not responsible for payment transactions carried out by Prepaid Card holders, as they are not part of any purchase and sale transaction with the Merchants.
5. Chargeback
5.1. If the USER does not recognize an operation made with their Prepaid Card or problems with ATM withdrawals, they must contact us through the service channels within a maximum period of 90 (ninety) days and follow the instructions for carrying out the Chargeback procedure guided by the USER. Card issuer.
5.1.1. The procedure and documentation required for the Chargeback will follow the rules established by the Brand and Issuer, so that the recognition of the Chargeback will depend on the sending of documents and clarifications that demonstrate the veracity and lawfulness of the business that gave rise to the transaction, without there having been fault or willful misconduct of the USER.
5.1.2. If the Chargeback is accepted, the amount will be credited to the USER's Payment Account, within the period established by the Issuer. If the Chargeback is not recognized, the payment or withdrawal transaction will be maintained.
5.2. The USER is aware and agrees that the Chargeback procedure will only occur for payment transactions carried out using the Prepaid Card for online purchases or without a card present.
5.2.1. Chargeback procedures will not be accepted for transactions using Payment Accounts, which were carried out using a physical card, in which the chip was inserted and the USER's password was entered.
6. Card Cancellation
6.1. The USER may, at any time, request the cancellation of their Prepaid Card, upon request made through the PARTNER's service channels.
6.2. In addition to the cancellation provisions established in the Term, the PARTNER may block the USER's Prepaid Card in the following cases:
(a) If the USER violates any of the provisions of this Annex or the Terms;
(b) If payment transactions outside the standard of use are verified, and the USER fails to respond to a request to send documents or information to prove their regularity; or
(c) In case of death or insolvency of the USER.
7. General Provisions
7.1. This Annex may be changed, at any time, in order to reflect possible changes to the use of the Prepaid Card, upon communication to the USER. If the USER does not agree with the new terms, he or she may reject them and cancel the Prepaid Card.
7.2. If the USER uses the Prepaid Card after changing this Annex, it is understood that he agrees with all changes made.
7.3. The USER hereby agrees that the PARTNER, the Payment Institution and the Issuer communicate to the Central Bank of Brazil, the Financial Activities Control Council or other bodies that the legislation provides for, the operations that may be configured in Law 9,613/98 ( which provides for the crimes of laundering or concealment of assets, rights and values) and other legal provisions pertinent to the matter.