1. Definitions
1.1. GDPR – Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation).
1.2. Business Day – any weekday from Monday to Friday inclusive, except where such weekday is recognized as a public holiday under the laws of the Republic of Lithuania.
1.3. Working Hours – the period from 08:00 (eight) to 17:00 (seventeen) Lithuanian time on the weekdays specified in clause 1.2. of this Agreement, except in cases where the duration of the day is shortened by one hour on the eve of public holidays under the Labour Code of the Republic of Lithuania.
1.4. Critical Disruption – a critical disruption is deemed to occur when over a 30-minute period, more than 50 (fifty) percent of requests to provide the Account Information Service (AIS) via the AIS module are not fulfilled, but it shall not be considered a critical disruption if fewer than 100 (one hundred) requests to provide the Account Information Service are fulfilled during the same period.
1.5. AIS Commission Fee – a fee calculated in accordance with the Agreement, paid by the Service Recipient to the Service Provider for each request by a AIS Service User to provide the Account Information Service using the AIS module, as well as a monthly service fee and other fees agreed upon by the Parties in this Agreement.
1.6. AIS Module – an information system managed by the Service Provider, which enables the provision of the Account Information Service (AIS) through the AIS.
1.7. AIS Self-Service Module – an information system (environment) of the Service Recipient, through which the AIS Service User accesses the AIS module.
1.8. Account Information Service (AIS) – a payment service governed by Directive (EU) 2015/2366 of the European Parliament and of the Council on payment services in the internal market (PSD2) and the Law on Payments of the Republic of Lithuania, allowing the provision of consolidated information via the internet through the AIS module about one or more payment accounts held by the AIS service user with another payment service provider or with several payment service providers.
1.9. AIS Service User – a natural or legal person who is a Service Recipient, a customer of the Service Recipient, or another person seeking to use the Account Information Service (AIS) through the AIS module.
1.10. Non-Critical Disruption – a non-critical disruption is considered to occur when, over a 30-minute period, between 30 (thirty) and 50 percent of the requests submitted by AIS Service Users to provide the Account Information Service (AIS) are not fulfilled, but it shall not be considered a non-critical disruption if fewer than 100 (one hundred) requests to provide the Account Information Service are fulfilled during the same period.
1.11. Services – the creation of the AIS module, the AIS module and related software tools used to provide the Account Information Service (AIS), ensuring the operation and maintenance of the appropriate technical interface, the Account Information Service, and other services provided by the Service Provider to the Service Recipient as specified in this Agreement. A detailed description of the technical interface services and technical interface maintenance services and the procedure for their provision is provided in the Neopay Integration Specification published on the Service Provider's website at https://neopay.online/docs/.
1.12. Service Recipient – a legal entity entering into this Agreement with the Service Provider for the Services.
1.13. Service Provider – NEO Finance, AB, legal entity code 303225546, registered address Ukmerges st. 126, LT-08100, Vilnius, data about the company is collected and stored in the Register of Legal Entities of the Republic of Lithuania, tel. 8 700 500 56, email address support@neopay.online.
1.14. Individual Disruptions – disruptions when specific AIS service users cannot use AIS for individual reasons.
1.15. Planned Works – works planned in advance by the Service Provider during which service disruptions or complete service unavailability may occur. The Service Provider must inform the Service Recipient in advance about the planned works, no later than 5 (five) Business Days, unless the performance of Planned Works is necessary due to the security of the Parties and their data or other significant reasons. The Service Provider must provide the Service Recipient with information about the duration and reasons for the Planned Works. Planned Works are not considered disruptions.
1.16. Account Managing Institutions – banks, credit unions, electronic money institutions, and other financial institutions managing accounts, the list of which is provided at https://neopay.online/docs/#/?id=bank-list. The Service Provider has the right to unilaterally change the list of Account Managing Institutions. In case an Account Managing Institution is removed from the list of Account Managing Institutions, the Service Provider informs the Service Recipient no later than 10 (ten) calendar days in advance. In the event that the list of Account Managing Institutions is supplemented with a new Account Managing Institution, the Service Recipient is not informed about such changes.
1.17. Agreement – an agreement between the Service Recipient and the Service Provider for the provision of Services, including both these general terms and the special conditions signed by the Parties.
1.18. Parties – the Service Recipient and the Service Provider.
1.19. Adequate AIS Accessibility – the availability of the Account Information Service (AIS) to the Service Recipient shall not be less than 99 (ninety-nine) percent of the total time of each calendar month, excluding disruptions and other cases where the operation or non-operation of the Services is not the fault of the Service Provider.
1.20. Website – the Service Recipient's website specified in the special conditions of the Agreement, where the AIS module installed by the Service Recipient operates.
2. Object of the Agreement
2.1. By this Agreement, the Service Provider undertakes to provide the Services specified in the general and/or special conditions of this Agreement during the term of validity of the Agreement, and the Service Recipient undertakes to pay for the Services provided by the Service Provider in accordance with the terms and deadlines set forth in the Agreement.
3. Rights and Obligations of the Parties
3.1. The Service Provider undertakes to:
3.1.1. grant the Service Recipient access rights to the AIS module, which requires integration to ensure the proper functioning of the AIS self-service module. For clarity, it is noted that the Service Provider only provides the access rights to the Service Recipient as specified in this clause of the Agreement, while the integration between the AIS self-service module and the AIS module is carried out by the Service Recipient at its own expense and effort. The Service Provider ensures that the Service Recipient will be provided with all necessary information and recommendations for successful completion of integration and operation of the AIS module;
3.1.2. perform ongoing maintenance and monitoring of the AIS module;
3.1.3. inform the Service Recipient about the Services provided and/or related disruptions;
3.1.4. ensure Adequate AIS Accessibility;
3.1.5. in the event of Critical Disruptions in the provision of the Account Information Service (AIS), regardless of the cause of such disruptions, promptly, but not later than within 4 (four) hours during Business Hours and not later than within 8 (eight) hours outside Business Hours, remedy the failure, and in the event of Non-Critical Disruptions in the provision of the Account Information Service (AIS), remedy the failure within 8 (eight) hours during Business Hours. Individual disruptions are resolved as soon as possible but no later than within 2 (two) Business Days. If it is impossible to resolve an individual AIS disruption not due to the fault of the Service Provider, the Service Provider provides information about the reasons for the failed provision of the Account Information Service (AIS).
3.1.6. guarantee the maintenance service of the AIS module: upon receiving notification from the Service Recipient about the non-operation or improper operation of the AIS module, immediately take necessary actions to rectify the malfunction, if such malfunction is due to the fault of the Service Provider or persons providing services to it. The Parties agree that maintenance and fault rectification services are provided by the Service Provider during Business Hours, except for clause 3.1.5 of these General Terms of the Agreement;
3.1.7. inform the Service Recipient in advance about any changes in the procedures or other changes related to the use of the Account Information Service (AIS) that may be relevant to the Service Recipient and/or its clients (AIS service users) using the AIS module. The obligation set forth in this clause does not apply when these changes are made due to changes in the information systems of the Account Managing Institutions where the accounts of AIS service users are held;
3.1.8. cooperate, provide information, suggestions, and advice to rectify disruptions in the operation of the AIS module and the AIS self-service module;
3.1.9. not apply any fees to the Service Recipient's clients (AIS service users), except for the fees applied by the Account Managing Institutions, unless otherwise agreed upon by the Parties.
3.1.10. provide Services in a quality manner, timely, in accordance with the conditions of this Agreement, as well as the highest professional standards and legal requirements;
3.1.11. act fairly, diligently, and prudently in providing Services, taking into account the interests of the Service Recipient, avoiding any conflict of interests, and seeking maximum benefit for the Service Recipient;
3.1.12. ensure that the provision of Services does not infringe the rights and legitimate interests of other persons, including intellectual property rights;
3.1.13. fully cooperate with the Service Recipient to properly fulfill the mutual obligations assumed by the Parties under this Agreement;
3.1.14. fulfill other obligations arising from this Agreement, as well as from other agreements or arrangements with the Service Recipient.
3.2. The Service Recipient undertakes to:
3.2.1. settle properly and timely with the Service Provider for the provision of the Services specified in this Agreement;
3.2.2. properly inform its clients (AIS service users) about the transfer of their personal data to third parties, including the Service Provider;
3.2.3. upon request of the Service Provider, within 2 (two) Business Days from the date of the Service Recipient's request submission, transfer to the Service Provider the personal data of the Service Recipient's clients (AIS service users) necessary for the performance of the obligations under the Agreement, the requirements of the laws applicable to the Service Provider, supervision, and/or other instructions of state institutions, as well as promptly, but not later than within 2 (two) Business Days, inform the Service Provider about any changes in such information or documents;
3.2.4. if the use of the Services specified in the special conditions of the Agreement does not commence within the term specified in the Agreement, pay the Service Provider a monthly support fee of EUR 100.00 (one hundred euros);
4. Account Information Service (AIS) Provision Procedure
4.1. The Account Information Service (AIS) is provided in the following manner:
4.1.1. Prior to the commencement of the Account Information Service, the AIS service user is informed that the service will be provided by the Service Provider;
4.1.2. Prior to the commencement of the Account Information Service, the AIS service user acquaints themselves with the Service Provider's:
4.1.2.1. Privacy Policy (published on the Service Provider's website at https://neopay.online/en/privacy-policy.html);
4.1.2.2. Terms of Service for Open Banking Services (published on the Service Provider's website at https://neopay.online/en/term-of-service.html).
4.1.3. The AIS service user selects the Account Managing Institution, the means of identification for logging into the Account Managing Institution, enters the required data for logging in, and provides the necessary consents to allow the Service Provider to access the list of accounts, balance, statement for the selected period, if the Account Managing Institution provides such an option;
4.1.4. Upon the AIS service user's confirmation of consent, allowing the Service Provider to request information from the Account Managing Institution about the account and to transmit the received information to the Service Recipient or another data recipient specified by the Service Recipient, the Service Provider automatically submits a request to the Account Managing Institution to provide the relevant account information;
4.1.5. Upon receiving the relevant account information from the Account Managing Institution, the Service Provider informs the Service Recipient through the AIS module via "Server Side," as well as the data recipient specified by the Service Recipient, to whom the AIS service user has given consent to receive and process their account data, and provides the opportunity to download this information. The Service Provider also informs the AIS service user about the successful progress of the process;
4.1.6. The consent for the Service Provider to receive information from the Account Managing Institution may be valid for a certain period. The validity period of consents may vary, depending on the internal decisions of the Account Managing Institution, except in cases where such consent is manually revoked by the AIS service user. The consent for the Service Provider to receive information from the Account Managing Institution can be revoked even before its expiration through the communication channels of the Account Managing Institution.
5. Mutual Settlements Between the Parties
5.1. The Service Recipient undertakes to pay the AIS commission fee according to the pricing provided in the special conditions of the Agreement.
5.2. The pricing provided in the special conditions of the Agreement is stated exclusive of VAT. In cases where VAT is applicable to the Service Provider, the Service Recipient must additionally pay the applicable VAT amount to the Service Provider, as specified in the invoice issued by the Service Provider.
5.3. The Service Provider undertakes to issue an invoice to the Service Recipient for the Services provided under this Agreement no later than the 5th (fifth) day of each month and to submit the invoice electronically as specified in the special conditions of the Agreement. The invoice shall indicate the amount payable by the Service Recipient for the Services properly provided by the Service Provider. Upon receipt of the invoice, the Service Recipient shall review it, and if any discrepancies are noticed, shall inform the Service Provider within 3 (three) working days from the receipt of the invoice via electronic mail. In the event of discrepancies regarding the number of successfully provided Account Information Services and/or the payable amount, the Parties undertake to cooperate and resolve the dispute as quickly as possible.
5.4. It is noted that if the Service Recipient does not submit any claims related to the invoice within 3 (three) working days from the date of receipt of the invoice, it is deemed that the Service Provider has properly fulfilled the obligations specified in the Agreement. In such case, the Service Recipient undertakes to pay the invoice within 10 (ten) calendar days using the details provided in the invoice.
5.5. It is noted that in the event that the Service Recipient delays payment of invoices for 3 (three) consecutive months, the Service Provider has the right to suspend the provision of Services until the outstanding debt is settled and/or unilaterally terminate the Agreement immediately.
5.6. Other pricing of the Service Provider is specified on the Service Provider's website at https://www.paskoluklubas.lt/en/page/32/service-fees.
6. Intellectual Property Rights
6.1. The AIS module developed by the Service Provider and all related software are the result of intellectual activity protected by intellectual property rights. The Service Recipient may use the mentioned intellectual property objects only to the extent directly related to the lawful and proper performance of this Agreement. The Service Recipient, under no circumstances, has the right to restrict, harm, or otherwise affect the intellectual property rights held by the Service Provider through their actions.
7. Provision of Personal Data
7.1. The Parties, in accordance with the provisions of this Agreement, provide, receive, process, and use personal data, adhering to the laws of the Republic of Lithuania on the protection of personal data, the GDPR, and this Agreement.
7.2. For the purposes of this Agreement, the terms "Personal Data," "Data Controller," "Data Processor," "Data Recipient," "Data Processor's Assistant," and "Data Subject" have the same meaning as defined in the GDPR.
7.3. The Parties, in fulfilling the obligations provided for in this Agreement, may exchange information, which in certain cases under the Agreement includes the personal data of Data Subjects. The Parties confirm that in the event one Party discloses the personal data of Data Subjects to the other Party, each Party is responsible for ensuring that the personal data of Data Subjects are processed in accordance with all applicable laws applicable to the Data Controller, including, but not limited to, the laws of the Republic of Lithuania on the protection of personal data and the GDPR.
7.4. Considering that the Parties, in fulfilling the obligations of this Agreement, may engage Data Processors, the Parties agree that Personal Data may only be transferred to those Data Processors who ensure the implementation of appropriate technical and organizational measures in such a way that the processing of personal data complies with the GDPR and other legal requirements and ensures the protection of Data Subjects' rights.
7.5. The Parties confirm that the Service Recipient and the Service Provider are two separate and independent Data Controllers of Data Subjects.
7.6. Under this Agreement, the Parties agree to provide Personal Data for the implementation of the Agreement, for the performance of statutory obligations related to the provision of services under the Agreement, as well as for the legitimate interests of the Service Provider and for other lawful purposes for further processing of Personal Data, and to comply with the laws of the Republic of Lithuania and the provisions of the GDPR. Data is processed in accordance with the laws of the Republic of Lithuania, as well as the provisions of the GDPR (Art. 6 (1) b, c, f).
7.7. The categories of Data Subjects are the Service Recipient's clients (AIS service users) and the employees of the Parties and/or representatives of Data Processors.
7.8. In the case of processing the data of the Service Recipient's clients (AIS service users), the Service Provider only momentarily transfers the data received during the provision of Account Information Services and stores the relevant data for up to 15 minutes. The Service Recipient additionally confirms that it understands that all the provisions of Section 7 of this Agreement regulating the collection, storage, and other aspects of processing of personal data apply only when data about the Parties (including their employees and/or representatives of Data Processors) are processed.
7.9. In order to identify a person authorized to represent a Party, to perform actions on behalf of the Parties, to execute written agreements concluded by the Parties, to perform other functions related to the implementation of this Agreement, and to exercise the rights provided for in this Agreement, the Parties provide each other with the following information:
7.9.1. The duties, name, and surname of the employees of the Parties and/or representatives of Data Processors;
7.9.2. The phone number and email address of the employees of the Parties and/or representatives of Data Processors.
7.10. The Parties agree to store the received data only to the extent necessary but not longer than 10 (ten) years from the date of receipt, except where applicable laws establish different retention periods for the respective data.
7.11. The Parties transmit data automatically using secure software interfaces or email, encrypting the correspondence sent.
7.12. Each Data Controller guarantees and ensures that:
7.12.1. Personal data is collected and processed in accordance with the laws of the Republic of Lithuania and the GDPR;
7.12.2. At the request of Data Subjects or on its own initiative, it will provide them with information about the processing of Personal Data, including their transfer;
7.12.3. It will apply appropriate technical and organizational measures necessary to ensure the security of Personal Data and the protection of Data Subjects' rights;
7.12.4. It will process Personal Data for the purposes specified in the Agreement and no longer than necessary for the purposes of Personal Data processing;
7.12.5. It will duly inform Data Subjects in advance that the Data Controller is transferring Personal Data to another Data Controller;
7.12.6. It will ensure that its employees, service providers, and data processors processing Personal Data are informed of the obligation to maintain the confidentiality of Personal Data and have undertaken relevant confidentiality obligations;
7.12.7. It will immediately, no later than within 24 hours from becoming aware, inform the other Party in writing about a possible breach of the security of Personal Data.
7.13. Each Data Controller is responsible for the confidentiality and security of Personal Data from the moment of receiving Personal Data. In cases where a threat is identified or there are reasonable suspicions of a threat to the confidentiality of Personal Data, and/or if the Party receiving Personal Data does not ensure adequate protection of the Personal Data provided, the Party providing Personal Data informs the Party receiving Personal Data about it and has the right to temporarily suspend the provision of Personal Data. Each Data Controller assumes full responsibility for the activities of its Data Processors and their subprocessors.
7.14. If one of the Data Controllers fails to fulfill or breaches its obligations related to the processing of Personal Data under this Agreement or applicable laws, the other Data Controller has the right to unilaterally terminate the Agreement under clause 11.6.3 of this Agreement and suspend the provision and processing of Personal Data.
7.15. If this Agreement is terminated, each Party may process or destroy the Personal Data received (if it does not have a legal basis for further processing), in accordance with EU and Lithuanian laws and the obligations of the Data Controller set out therein. If there is another purpose for processing Personal Data, the Party may continue to process Personal Data for this purpose, in accordance with EU and Lithuanian laws.
8. Confidentiality
8.1. The Parties undertake to keep all non-public information obtained before or during the execution of the Agreement confidential and not to disclose it to third parties without the consent of the other Party, except in cases expressly provided for by the laws of the Republic of Lithuania, each Party's legal advisers, consultants, and auditors (in accordance with their respective confidentiality obligations).
8.2. The Parties confirm that confidential information must be safeguarded and cannot be disclosed to any third party, regardless of:
8.2.1. the form of its receipt, storage, and/or transmission (oral, written, electronic, or otherwise);
8.2.2. the person who transmitted it, regardless of whether it was obtained directly from the Party or directly or indirectly from persons associated with it;
8.2.3. whether the other Party provided the confidential information knowingly or inadvertently;
8.2.4. other similar circumstances.
8.3. Confidential information does not include:
8.3.1. information that is public according to legal acts or that is publicly disclosed at the Parties' discretion;
8.3.2. information that becomes publicly known not as a result of breaches of confidentiality obligations under this Agreement or other legal violations;
8.3.3. information that must be disclosed according to the imperative requirements of the law, but only to the extent necessary as required by such laws.
8.4. The Party may disclose confidential information only to the extent necessary and only to its employees, subcontractors, attorneys, legal or tax consultants, auditors, and other specialists who need to know this information for the performance of this Agreement, independent audit, or resolution of disputes related to this Agreement, provided that the persons mentioned in this paragraph are informed of the nature of such information and obligated to observe confidentiality obligations.
8.5. Confidentiality obligations shall remain in force for 2 (two) years after the expiration of the Agreement.
8.6. The Parties shall immediately notify each other if they become aware of or suspect that confidential information has been disclosed to persons unauthorized to receive it.
8.7. Upon written request from the other Party, the Party shall immediately take the following actions (except in cases where the requested deletion of information is necessary for the Party):
8.7.1. return the confidential information to the other Party or destroy it;
8.7.2. destroy or permanently delete or instruct the person to whom the confidential information was disclosed to destroy or permanently delete all electronic files, analyses, compilations, investigations, notes, and other documents containing confidential information or prepared based on confidential information;
8.7.3. confirm to the other Party in writing the performance of the obligations specified in this section of the Agreement or specify the reasons for refusing to fulfill these obligations.
9. Liability
9.1. The Parties are responsible for ensuring that the obligations provided for in the general and special conditions of this Agreement, as well as in all its amendments and/or annexes, are properly and timely fulfilled in accordance with this Agreement and the laws of the Republic of Lithuania. Each Party shall fulfill its obligations under this Agreement at its own expense and shall be liable for improper performance and/or non-performance of these obligations.
9.2. At the request of the Service Recipient, the Service Provider undertakes to compensate the Service Recipient for direct losses incurred due to the malfunctioning or improper operation of the Invoice Information service, arising from the fault of the Service Provider or a third party engaged by it. Clarifying the provisions of this clause, the Parties confirm and agree that the Service Provider shall not be obliged to compensate the Service Recipient for any indirect losses under any circumstances (including, but not limited to, loss of income).
9.3. Each Party shall be liable to the other Party for any direct losses resulting from any breach of this Agreement for which it is at fault.
9.4. Any Party that violates the provisions of the Agreement establishing the provision of personal data and/or the protection of personal data under the laws and regulations is directly liable to the Data Subjects for any damage caused by the breach of Data Subjects' rights.
9.5. A Party that unlawfully delays the performance of a monetary obligation shall pay the other Party, upon its request, a penalty of 0.05 (five hundredths) percent calculated on the amount of the monetary obligation not timely fulfilled for each day of delay in fulfilling the obligation.
10. Force Majeure
10.1. In the event of force majeure circumstances, the Parties are released from liability for non-performance of this Agreement according to the rules established in the Civil Code of the Republic of Lithuania or other rules amending the rights and obligations of the Parties during the term of validity. If force majeure circumstances persist for more than 30 (thirty) consecutive calendar days, any Party has the right to terminate the Agreement by giving notice to the other Party at least 10 (ten) calendar days in advance.
11. Duration, Amendment, Termination of the Agreement
11.1. The Agreement shall enter into force from the date of signing and shall remain in force indefinitely unless otherwise specified in the special conditions of the Agreement.
11.2. The Service Provider has the right to unilaterally amend the general terms of the Agreement by notifying the Service Recipient at least 30 (thirty) calendar days in advance.
11.3. The provision of services shall commence from the date specified in the special conditions of the Agreement.
11.4. The expiration (termination) of the Agreement shall not affect the validity of the provisions of the Agreement, which by their nature and logic remain in force even after the expiration (termination) of the Agreement. These provisions shall remain in effect until they are fully and properly fulfilled.
11.5. The special conditions of the Agreement may only be amended by mutual written agreement of the Parties.
11.6. The Agreement may be terminated by one of the following methods:
11.6.1. By mutual written agreement of the Parties;
11.6.2. By unilateral written notice, without specifying reasons, provided to the other party no less than 120 (one hundred twenty) calendar days in advance;
11.6.3. If either Party materially breaches the Agreement and fails to remedy such breach within 7 (seven) Business Days from the date of receipt of a written request from the aggrieved Party specifying and substantiating the breach. The aggrieved Party shall have the right to unilaterally terminate the Agreement by notifying the other Party, which has not remedied the material breach of the Agreement, of the fact of termination. The Agreement shall be deemed terminated from the date of receipt of the notification;
11.6.4. In other cases provided for in this Agreement.
11.7. Following the termination (expiration) of the Agreement, the Parties shall fulfill all obligations arising under the Agreement prior to its termination (expiration).
12. Applicable Law. Dispute Resolution Procedure
12.1. The Agreement is concluded, governed by, and must be interpreted in accordance with the laws of the Republic of Lithuania.
12.2. All disputes and disagreements between the Parties shall be resolved through mutual negotiations. If the Parties fail to resolve the dispute amicably, it shall be settled in court according to the laws of the Republic of Lithuania.
13. Notices
13.1. All notices and exchanges of information between the Parties under this Agreement must be made in writing and are considered properly delivered if sent by electronic mail of the Party confirming receipt, as specified in the special conditions of the Agreement.
13.2. A notice sent by electronic mail shall be deemed delivered on the same Business Day if sent before 16:00 (4:00 PM), or on the next Business Day if sent after 16:00 (4:00 PM) or on a non-Business Day.
13.3. The Parties shall promptly, but no later than within 5 (five) Business Days, inform each other of any changes to their details. If a Party fails to fulfill the obligation specified in this clause, all notices sent by the other Party shall be deemed properly delivered to the last known details of the Party.
13.4. In case of a dispute with a Data Subject or the State Data Protection Inspectorate, or upon receipt of a claim regarding the processing of Personal Data from one or both of the Parties, the Parties shall notify each other of any disputes or claims and cooperate to resolve them amicably and promptly.
14. Final Provisions
14.1. The invalidity of any provision or part of the Agreement does not automatically invalidate the remaining provisions of the Agreement. If any provision of the Agreement is or becomes invalid or partially valid due to its contradiction with legal requirements, the Parties shall promptly take all reasonable measures to properly amend such provision, maximally preserving both the essence and the meaning of the Agreement itself, and shall also take all reasonable measures to avoid any negative consequences for the Parties.
14.2. This Agreement is concluded by signing the special conditions of the Agreement with electronic signatures, by signing and exchanging scanned copies of the special conditions of the Agreement by electronic mail, or by signing the special conditions of the Agreement with original signatures of the Parties. All methods of signature have equal legal force. If the special conditions of the Agreement are signed in a manner other than with electronic signatures, the Service Recipient shall be subject to a EUR 50.00 (fifty euros) Agreement administration fee.
14.3. All annexes to the Agreement signed by any of the methods specified in clause 14.2 of the Agreement, including, but not limited to, the special conditions of the Agreement, have equal legal force.
14.4. The terms used in this Agreement may be used in any annex to the Agreement and shall have the same meaning as specified in the Agreement unless otherwise indicated in the annexes to the Agreement.
14.5. The general terms of the Agreement are regularly updated and published on the Service Provider's website at https://neopay.online/en/account-information-service-contract-terms.html.
14.6. Amendments to the general terms of the Agreement shall enter into force upon their publication on the Service Provider's website at the address specified in clause 14.5 of the Agreement. Notice of changes to the general terms of the Agreement shall also be provided by email as specified in the special conditions of the Agreement.
14.7. The general terms of the Agreement and the special conditions, as well as any other mutually agreed document signed by the Parties to perform this Agreement, constitute integral parts of the Agreement.
14.8. The Parties also confirm that, being prudent, diligent, and careful commercial entities, they have carefully and diligently evaluated all the provisions of this Agreement, understood their content and essence, as well as the scope of their obligations and responsibilities arising from this Agreement, and by signing this Agreement, they confirm it.
14.9. By agreeing to the general terms of this Agreement, the Service Recipient expresses its consent by signing the special conditions of the Agreement.
