Services Terms of Use

Terms & Conditions for Receiving Money via MoneyGram

INTRODUCTIONThis agreement is made between you and MoneyGram International Limited, operating through DIRECT PAY S.A. Payment Institution S.A. “we or us”. The terms of the form are part of this agreement. This agreement enables you to receive money that a “sender” has agreed to make available to you in a currency and amount specified by them. You can collect the money by appearing at a MoneyGram service point in the country chosen by the sender, as part of the overall MoneyGram® Money Transfer service, with no charge to you for this service. Please note that our service is intended to enable you to receive money from a private individual you know, and not to receive money as part of a commercial payment.

You must sign the form and complete all sections that pertain to you fully and accurately. We will ask you for the transfer reference number (which you can obtain from the sender). Please note that the reference number is not always required to collect the money.

You must present documents that can reasonably be considered valid proof of your identity. For certain transfers (depending on the country of receipt and the amount), we may require you to provide the correct answer to the security question set by the sender, either in addition to or instead of providing identification. You can then collect the money, and the transfer will be considered complete.

Contact information: our phone number is +30 210 52 43 171. Our website is located at www.directpay.gr. Our mailing address is DirectPay S.A., 1 Androus str., 11257, Athens and our email address is info@directpay.gr.

RESTRCTUIBS OF RECEIVING FUNDS

The sender can cancel the transfer. We may refuse to process the receipt of funds if we reasonably believe that: (a) Executing your instructions could result in a violation of any applicable laws, regulations, codes, or obligations relevant to us. (b) Executing your instructions might expose us to legal action, criminal prosecution, or other related measures by any government authority or regulatory body. (c) Executing your instructions may be associated with fraudulent activities or other illegal conduct. You can call us to be informed (unless prohibited by law) about the reasons for our refusal and how you can correct any errors that led to this refusal. If the sender prefers (and the law allows), or if required by law, the money will be returned to the sender.

GENERAL

If the transfer was not properly completed or the amount never reached its destination, we may be liable to the sender. We bear no liability to you, except that nothing in this agreement excludes or limits our liability to the extent that we are unable to exclude or limit it under applicable law. We will report money transfers to any government authority if required by law. None of our services require you to have a “deposit” or a deposit account with us (or any other company assisting in the transfer, except for the receiving bank in the case of sending money to an account) at any time. This agreement is governed by Greek law (including our relations and transactions with you in connection with the conclusion of this agreement), and we will communicate with you in Greek. In case of any discrepancies between the English and Greek versions of these terms, the Greek version shall prevail.

A person who is not a party to this agreement does not acquire any rights under the Contracts (Rights of Third Parties) Act 1999 or any other means of enforcing this agreement.

Some of these conditions are based on anticipated regulatory actions and laws that will not take effect until after the preparation of this document for printing. If any term becomes incompatible with any regulatory action or law, it will not apply as written. However, it will be considered that the intent was to comply with the relevant regulatory action or law. We will make any necessary changes to ensure compliance with the regulatory action or law in the next reprint. (A “regulatory action or law” is any law, regulation, code, or industry directive that applies to us.)

PERSONAL DATA PROTECTION

We consider it our duty to protect your privacy. We may use and store your personal data, as well as transfer details, in our databases to provide you with transfer services, manage our business operations (including managing our relationship with you), and conduct market research, as permitted by applicable law. For these purposes, we may disclose information to our parent company and other MoneyGram affiliates, customer service representatives, and other service providers, who may be located outside the EEA (i.e., countries of the European Union, Norway, Iceland, and Liechtenstein). In cases where these are located within the United States, the data protection principles agreed upon between the US and the European Union under the Safe Harbor framework will be followed. We will not disclose the information to any other parties unless required by law. We implement security practices and procedures designed to restrict access to personal data as required. You can request access to your personal data, request correction or updating of your information, or, for a legitimate reason, object to its processing by writing to us or emailing us (Attention: Data Protection Department) or by contacting us by phone. By completing and signing the form, you consent to the collection, use, and transfer of your personal data for the purposes mentioned above, including the transfer of this data to the USA and the country from which the money was sent. On our website, you can find the most recent data protection policy. We will inform you, as required by law, of any changes to this policy.

COMPLAINTS

We will address your complaint promptly and fairly. We will make every effort to resolve your complaint at the earliest opportunity and in accordance with the Payment Institution’s Complaints Policy. For details, please refer to the complaints procedure. We will also provide you with the relevant details if you contact us to submit a complaint.

THE REGULATORY FRAMEWORK GOVERNING THE OPERATION OF OUR BUSINESS

We are a “payment institution” approved and regulated under the jurisdiction of the Bank of Greece in Greece. The Bank of Greece’s registry can be found at bankofgreece.gr

SEPARATE AGREEMENTS

DirectPay S.A. may offer additional services to recipients, governed by separate agreements. We may charge separately for these services and will use the exchange rate of our choice if currency conversion is involved.

Terms Conditions for Sending Money via Moneygram

INTRODUCTION The This agreement is made between you and MoneyGram International Limited, which operates through Direct Pay S.A. Payment Institution. The terms of the form are part of this agreement. You must sign the form and ensure all sections are completed fully and accurately. If this is not the case, we may not be able to process the money transfer. You must notify us by phone if any of the details you provided to us change before the recipient collects or receives the money. This agreement provides you with the MoneyGram® Money Transfer service, enabling you to send money to the person specified in the form (therecipient”) (a) to receive the money in cash at a MoneyGram service point (our “cash to cash” service or “send and receive in cash” service); “cash to cash” ή “αποστολή και λήψη σε μετρητά”); or (b) to receive the funds in their bank account (our “cash to account” or “cash to bank account” service). These terms and conditions apply to both services, unless specified otherwise for one of them. For transfers where both the sending and receiving are in cash, you have the option to either send money within the same country or to a different “recipient country”. The recipient can only collect the money in the recipient country specified on the form. Once the customer service representative processes the form and receives your money, the recipient will be able to collect the funds in cash at any MoneyGram service point in the recipient country within minutes (during business hours), in the currency specified on the form, unless the term under 2.2(a) below applies. We will not contact the recipient when the funds are ready for collection, so this is something you will need to manage. MoneyGram does not offer its services in all countries. You can call us, visit our website, or ask a customer service representative to inform you about the availability of our services, the addresses, and the operating hours of the MoneyGram service points.

Στοιχεία επικοινωνίας: our phone number is +30 210 52 43 171. Our website is located at www.directpay.gr. Our mailing address is DirectPay S.A., 1 Androus str., 11257, Athens, and our email address is info@directpay.gr.

CHARGES AND EXCHANGE RATES

You must pay us the amount specified on the form. You will not incur any additional charges for the money transfer. Money transfers are possible only at specific exchange rates. Direct Pay S.A. will inform you if the payment can be made in a specific currency at a particular customer service representative’s location in the recipient country and (if it is not the currency in which you paid us) what exchange rate will apply. The chosen currency, agreed exchange rate, and the amount of the final conversion will be specified on the form. However, for “cash to cash” transfers to a recipient country outside the European Union, Norway, Iceland, and Liechtenstein (the “EEA”):

RESTRICTIONS ON TRANSFERS

There are limits on the amount of money you can send. Direct Pay S.A. will inform you about these limits. We may refuse to process a money transfer or receive funds if we reasonably believe that:
(a) executing your instructions could result in a violation of any law, regulation, code, or other obligation or duty applicable to us;
(b) executing your instructions could expose us to legal action or criminal prosecution, or the imposition of other related measures by any government authority or regulatory body; or
(c) executing your instructions could be related to the commission of fraud or other illegal activities.
Unless prohibited by law, we will attempt to contact you by phone or provide written notification regarding the reasons for our refusal and how you can correct any errors in the instructions you provided. If you prefer (and if permitted by law), or if required by law, your money will be refunded. CANCELLATION OF TRANSFER AND REFUND

You do not have the right to cancel the transfer. However, we may be able to cancel it before the recipient receives or appears to collect the funds. If you wish to cancel the transfer and request a refund, you can do so, by contacting your customer service representative or by writing to us, including a copy of your completed form. We aim to process such requests promptly, but in any case, within 30 days. For cash-to-cash transfers, if the transfer was not executed properly or if the amount did not reach its destination, we will promptly refund both the money and our fee if we determine it is necessary after investigating the circumstances under which the transfer was made. However, we will not be liable if you have not fulfilled your obligations as specified in section 5.3, and the amount was paid to someone who provided DirectPay S.A. with identification that was reasonably considered valid (“Identification”). No refund will be provided if we are not liable as specified in section 8.4.

IDENTIFICATION AND PAYMENT FOR CASH TO CASH TRANSFERS

To collect the funds and complete the transfer, the recipient must present a valid identification document. For certain transfers (depending on the recipient country and the amount—please contact Direct Pay S.A. for more details), the security answer you provided on the form may be required in addition to or instead of the identification document. Typically, the customer service representative will require the transfer reference number. Please note that the reference number is not always required for collecting the funds (again, you can check with DirectPay S.A. for the specific requirements). You must not share the reference number, security answer, or recipient details with anyone other than the recipient you have chosen. Additionally, you should take all reasonable and necessary steps to ensure that no one else can access this information — for example, you should (a) ensure that no one else can see the form, and (b) avoid writing down the security question or reference number in a way that makes them identifiable, and prevent anyone else from overhearing you mention the recipient’s name.

ADDITIONAL TERMS FOR TRANSFERS TO RECIPIENT ACCOUNTS

We will send the funds to the bank account you specified on the form. If the account is in a country within the EEA, the bank holding the account will receive the funds within four business days (Monday to Friday, excluding official holidays) from the date you requested the transfer. You may inquire with Direct Pay S.A. if the transfer is likely to be completed sooner. The destination bank is legally obligated to credit the recipient’s account as soon as it receives the funds. Bank practices may vary if the transfer is to an account held outside the EEA. For details on when a payment will be credited to such an account, you should contact the recipient’s bank. The recipient’s bank may charge its own fees on the transferred amount— this is unrelated to us. If you request us to send money to a bank account and the transfer was not carried out correctly or the amount never reached its destination, we will promptly refund both the money and our fee—unless we can prove that the bank received the funds or that

there was an error regarding the recipient’s bank account details provided by you.

SEPARATE AGREEMENTS WITH DirectPay S.A.

OUR LIABILITY

We shall not be liable for any breach of this agreement due to: (a) abnormal and unforeseeable circumstances beyond our control, where we could not avoid the breach despite our efforts—such circumstances may include, for example, delays or labor strikes, issues with other systems or networks, mechanical failures, or data processing problems; or (b) our obligations under English law or European Community law. You must call us or contact us in writing without undue delay if you believe that a transfer was not carried out properly or the amount did not reach its intended destination. You will not be refunded according to the provisions under 4.2 or 6.2 if you have unjustifiably delayed notifying us of the issue, and in any case, if you notified us after a period of 13 or more months from the date of the transfer. Our maximum liability to you is limited to the amount of money you sent plus the shipping fee you paid. We are not liable for any incidental, indirect, special, or consequential damages or costs you may incur, including, as this agreement is made with you as a consumer, any business losses or expenses (such as lost business profits or missed opportunities). Our service is intended to enable you to send money to an individual you know, not for making commercial payments. You should not use it for such transactions. You should also take the fraud warnings in the documentation seriously and follow any relevant instructions. If you ask us to make a payment to someone who is later found to have defrauded you or failed to meet their obligations to you, we shall not be held liable as a result of this fact. A person who is not a party to this agreement does not acquire any rights under the Contracts (Rights of Third Parties) Act 1999 or any other means of enforcing this agreement. No provision of this agreement limits our liability in the case of fraud or gross negligence on our part, nor excludes or restricts our liability to the extent that we cannot exclude or limit it under the applicable law.

OTHER TERMS

We will report money transfers to any government authority if required by law. If a transfer was not completed properly or the amount did not reach its destination, we will investigate the issue and do our best to find out where the funds ended up (and we will contact you by phone or notify you in writing of the results of the investigation) if you request it. In cases where there was an error in the recipient details you provided, we will make a reasonable effort to recover the funds. None of our services require you or the recipient to have any “deposit” or a deposit account with us (or any other company assisting with the transfer, except for the receiving bank in the case of sending money to an account) at any time. This agreement is governed by English law (with respect to our relations and transactions with you in connection with this agreement), and we will communicate with you in Greek. In case of any discrepancies between the English and Greek versions of these terms, the Greek version shall prevail. Some of these conditions are based on anticipated regulatory actions and laws that will not take effect until after the preparation of this document for printing. If any condition becomes incompatible with a regulation or law, it will not be effective as written, but we will consider that its intention was to comply with the relevant regulation or law. We will make any necessary changes to ensure compliance with the regulation or law in the next reprinting. (A “regulation or law” is any law, regulation, code, or industry circular that applies to us.)

PERSONAL DATA PROTECTION

We consider it our duty to protect your privacy. We may use your personal details, as well as those of your recipient and transfer information, and store them in our databases to provide transfer services to you and your recipient, manage our business operations (including managing our relationship with you), and conduct market research, as permitted by applicable law. You must have the recipient’s consent to disclose their personal data to us. For these purposes, we may disclose information to our parent company and other MoneyGram entities, customer service representatives, and other service providers, who may be located outside the EEA. In cases where they are located in the USA, they will adhere to the data protection principles agreed upon between the USA and the European Union under the Safe Harbor framework. We will not disclose the information to any other parties unless required by law. We implement security practices and procedures designed to restrict access to personal data as required. You can request access to your personal data, request correction or updating of your information, or, for a legitimate reason, object to its processing by writing to us or emailing us (Attention: Data Protection Department) or by contacting us by phone. By completing and signing the form, you consent to the collection, use, and transfer of your personal data, as well as that of the recipient, for the aforementioned purposes, including the transfer of such data to the USA and the destination country. On our website, you can find the most recent data protection policy. We will inform you, as required by law, of any changes to this policy.

COMPLAINTS

We consider it our duty to provide you with the best possible services at all times. In the unlikely event that you are not satisfied with our services, please contact us as soon as possible. For full details on how to submit complaints or provide feedback, you can visit our website, send us an email, or contact us by Email at the address provided under section 1.6. We will address your complaint promptly and fairly. We will make every effort to resolve your complaint at the earliest opportunity and in accordance with the Payment Institution’s Complaints Policy. For details, please refer to the complaints procedure. We will also provide you with the relevant details if you contact us to submit a complaint.

THE REGULATORY FRAMEWORK GOVERNING OUR OPERATIONS

We are a “Payment Institution” approved and regulated under the authority of the Bank of Greece in Greece. The Bank of Greece’s registry can be found at bankofgreece.gr

TERMS CONDITIONS OF DirectPay my Bills SERVICE

These terms govern the bill payment service provided by “Direct Pay S.A. Payment Institution,” branded as “DirectPay,” to its customers. DirectPay is a Greek company, registered under the number GEMI 2154101000, with its headquarters located at 1 Androu street, 11257 Athens. It is a licensed and regulated Payment Institution by the Bank of Greece, in accordance with decision number 330/7/01.11.2019.

In this document, the following words, whether used in the singular or plural form, with the first letter capitalized, will have the meanings described in the “DEFINITIONS” section of this document.

DEFINITIONS

Service: The payment service described in this Agreement, where a Customer pays the Amount of the Payment Instruction and associated Transaction Fees in cash or by using a payment card at a store or authorized representative (hereinafter referred to as the “service point”) of DirectPay, to settle a bill with a Beneficiary Organization. The present payment service is considered a single payment transaction as defined by the applicable regulatory provisions for payment services.

Service Point: This refers to any DirectPay store as well as any business (individual or legal entity) affiliated with DirectPay, operating as a service point for its services. The name and contact details of these entities are listed in the relevant Payment Institution Agents Register maintained by the Bank of Greece.

Payment Instruction Receipt: Defined as the document issued at the Service Point upon completion of the Service to the Customer. It is provided to the Customer and contains all the necessary information for their reference.

Receipt Number: Defined as the unique identifier provided by DirectPay to the Customer immediately after completing the transaction (Service). With this number, the Customer can inquire about the completion of their payment from the Payment Institution.

Beneficiary Organization: Refers to any individual or legal entity, business, to whom the Payment Institution can send an instruction for the payment of a Customer’s bill. Among them are utility companies, telecommunications companies, and insurance companies. DirectPay may add or remove Beneficiary Organizations at its discretion at any time. The Customer can find out about the Beneficiary Organizations served by DirectPay either through the Customer Service Department or at its Service Points.

Payment Instruction: Refers to the instruction given by the Customer for the Service to be provided to him.

Transaction Fees: Refers to the charges or fees that the Customer is required to pay for the provided Service.

Working Day: Refers to the day on which the payment service provider of the Beneficiary Organization, involved in the execution of the Service, operates, allowing the execution of the Service.

Beneficiary Organization Payment Code: Refers to the code listed on the bills issued by the Beneficiary Organization, which the Customer must have available to identify their payment when using the Service.

Maximum Execution Deadline (Cut-Off): Payments to organizations are processed according to the signed agreement that the Payment Institution maintains with the respective partner Bank.

Customer/Payer: Any individual (over 18 years old with full legal capacity) who visits a Service Point to pay a bill to a Beneficiary Organization.

Payment Instruction Amount: The amount that the Customer wishes to transfer to the Beneficiary Organization for the payment of a bill. Partial payment of a bill or payment of an overdue bill depends on whether it is accepted by the respective Beneficiary Organization.

Total Payment Amount: The sum of the Payment Order Amount and the Transaction Fees that the Customer is required to pay to complete the transaction.

Customer Service Department: Refers to the department of DirectPay where the Customer can call for any matter related to the Service. All available contact methods are listed at the end of these terms.

DirectPay, in collaboration with credit institutions, provides the Service to Customers at Service Points.

EXECUTION OF PAYMENT INSTRUCTION

The Customer must visit a DirectPay Service Point and either bring or know the Beneficiary Organization Payment Code they wish to pay. As well as the name of the Debtor so that the payment can be completed in the Institution’s Application at the Service Point. The Customer must provide a valid contact phone number so that DirectPay can contact them for any clarifications, in case the Beneficiary Organization refuses the payment, or for any other reason. At the Service Point, the Customer gives the Payment Instruction, after being informed about the Transaction Fees and the Maximum Execution Time for the Bill Payment Instruction. The Customer must pay the Amount of the Payment Instruction and the Transaction Fees at the Service Point, and then the Account Payment Instruction will be entered into the DirectPay Application. Immediately after the completion of the Payment Instruction, the Customer receives the proof of Payment Instruction, which contains the details of the Beneficiary Organization, the Payment Instruction Amount, the Transaction Fees, the transaction date, the Beneficiary Organization Payment Code, and the DirectPay Receipt Number. With the Receipt Number, the Customer can contact the Customer Service Department to inquire about the payment they made. Payment of overdue bills or partial payment of a bill may be made at the Customer’s discretion and depends on whether the Beneficiary Organization allows such actions.

CURRENCY OF SERVICE

The only acceptable currency for the Service is the Euro (€).

RESPONSIBILITY

DirectPay is not liable for compensating any damages to the Customer, positive or consequential, incurred by the Customer due to any delay or cancellation of the payment caused by:

a) force majeure events, total or partial suspension of operations by DirectPay or the cooperating credit institution due to actions by authorities, strikes, work stoppages, social upheavals, armed conflicts, or other events beyond DirectPay’s control, for as long as such events persist and prevent DirectPay from performing the Service,

b) actions or omissions by the cooperating credit institution or any other cause outside its sphere of influence.

DirectPay is not liable if the payment is not completed because the Beneficiary Organization ultimately does not accept it or because the Customer provided incorrect payment details, resulting in the payment not being processed.

3.1 Customer Obligations towards DirectPay: The Customer is Obliged to ensure the accuracy, completeness, and legibility of the information provided to DirectPay for the provision of the Service. DirectPay serves only those Beneficiary Organizations that are registered in the current list of Beneficiary Organizations, which is periodically updated.

DirectPay is responsible for damages arising from intentional misconduct or gross negligence by its employees or Representatives in the execution of the Service. However, its liability does not cover cases of slight negligence. In cases where DirectPay is liable, its responsibility is limited to the refund of the Total Payment Amount.

DirectPay or its Representatives may refuse to provide the Service to any individual without justifying their decision, specifically to prevent fraud, money laundering, or terrorist financing, or to comply with any applicable law, court decision, or requirement of any regulatory or governmental authority.

CANCELLATIONS AND REFUNDS

4.1 Cancellation and refund: The Customer cannot revoke a Payment Instruction given at a Service Point of the Payment Institution after the completion of the transaction and the issuance of the relevant transaction receipt. The Customer may cancel the transaction at a Service Point only if the payment to the Beneficiary Organization has not been completed and DirectPay has not yet transmitted the Payment Instruction to the collaborating Credit Institution. After the cancellation, DirectPay will refund the Payment Amount, but will deduct the Transaction Fees applicable to the Service.

4.2 Return of Instruction by Beneficiary Organization: If the Beneficiary Organization returns the Payment Instruction for any reason, DirectPay will contact you to refund the Payment Instruction Amount. It is clarified that the service fees paid are non-refundable.

COMPLAINTS/GRIEVANCES

Any complaints or grievances against DirectPay or the provided Service should be directed to us by contacting the Payment Institution. You should clearly state that you wish to file a complaint with us. This will help distinguish the complaint from a simple inquiry. All available methods for submitting complaints are listed at the link: https://directpay.gr/en/complaint-management/. Any submitted requests and complaints will be recorded by DirectPay, and an attempt will be made to resolve them within fifteen (15) working days from the date of receipt, with a maximum limit of forty-five (45) days. We make every effort to provide you with a response or a resolution to your complaint within the timeframe established by the applicable legal framework. If for any reason this timeframe cannot be met, the reasons for the delay and a new estimated response date will be communicated to the Customer by the Customer Service Department. . If the complaint is not resolved to the Customer’s satisfaction, they may seek further information from the General Secretariat for Consumer Affairs at https://www.gov.gr/sdg/consumer-rights/consumer-rights-and-guarantees or from alternative dispute resolution bodies (e.g., the Consumer Ombudsman at email: grammateia@synigoroskatanaloti.gr, 144 Alexandras Avenue, 14471 Athens, Greece, tel.: 210 6460862, 210 6460814, fax: 210 6460414, website: http://www.synigoroskatanaloti.gr).

PERSONAL DATA

For all personal data we process in providing the Service, the Data Controller is DirectPay.

We use the data you provide when using our Services, during your engagement with the Institution, for purposes such as providing our services to our customers, customer service, preventing and combating money laundering, complying with legal and regulatory obligations, updating our customers’ data, and more.

Additionally, we review the information you provide to help detect and prevent fraud and analyze the data to understand our customers’ needs, enabling us to continuously improve the quality of our services, the products we offer, and the operation of the Institution. The data you provide is essential for delivering our services to you. Without this data, we will not be able to assist you.

Your data will be retained for as long as required by the applicable legal frameworks regulating financial transactions, as well as the general business operations of the Institution, with which DirectPay is obligated to comply.

To process the payment, your data will be transmitted to the credit institution that will execute it. If the payment is made to a country outside the European Economic Area, your data will be disclosed to that country as required by the relevant international and national legislation and local regulatory authorities. If transfers to countries outside the EEA are not covered by an adequacy decision from the European Commission, they will be protected by appropriate safeguards or other mechanisms approved by the European Commission, as required by applicable legislation.

You have the right to: a) request a copy of your data, b) request the correction, modification, and supplementation of your information, c) request the deletion of your data in certain cases (the right to deletion may not be fulfilled due to legislative requirements), d) request that we transfer your personal data to a third party, e) request the restriction of processing of your data, f) object to the processing of your data when it is based on legitimate interest, as well as for direct marketing and profiling purposes. Additionally, you can file a complaint with the Hellenic Data Protection Authority (www.dpa.gr).

You can exercise the aforementioned rights by contacting privacy@directpay.gr or the Customer Service Department of the Institution, at the addresses and phone numbers listed at the end of this document. To exercise your rights, it is necessary to provide or send an identification document (e.g., passport, ID card).

You can read more about the processing of your personal data in the Institution’s Privacy Policy section, available at the link: https://directpay.gr/en/privacy-policy/

AVAILABILITY, CHANGES ACCEPTANCE OF THESE TERMS

These terms are governed by Greek law, and any disputes will be subject to the jurisdiction of the competent Greek Court. These terms are available at the DirectPay website (www.directpay.gr). By giving a bill payment instruction, the Customer accepts these terms. In any case, the Customer has the right to request these terms from DirectPay at the Service Point in printed form free of charge.

These terms may be amended by DirectPay from time to time to comply with applicable laws or to reflect changes in the Service. In any case, the updated terms will be available on DirectPay’s website at https://directpay.gr/.

DirectPay Customer Service Department: +30 210 52 43 171

Operating hours: Monday-Sunday 09:00-21:00

E-mail: info@directpay.gr

Site: www.directpay.gr

TERMS AND CONDITIONS OF THE DIRECTPAY to Bank SERVICE

These terms govern the bank transfer service provided by “Direct Pay S.A. Payment Institution” under the trade name “DirectPay” to its Customers. DirectPay is a Greek Company, with registration number GEMI 2154101000, headquartered in Athens at 1 Androu street, Postal Code 11257. It is a licensed and supervised Payment Institution by the Bank of Greece, according to decision number 330/7/01.11.2019.

Definitions:

Sender or Customer: Any individual (over 18 years old with full legal capacity) or legal entity who visits a Service Point to make a transfer to a bank account.

Terms and Conditions: the present terms and conditions for the provision of the Bank Transfer Service.

Recipient or Beneficiary: the recipient of a bank remittance as designated by the Sender.

Service – Bank Remittance Instruction or Service or Transaction: the sending of funds to a Bank in Greece or abroad.

Accepted Customer: The Customer who has read, explicitly agreed to, and accepted these Terms and Conditions governing the use of this particular Service.

Service Point/Sales Point or Representative: Refers to any DirectPay store as well as any business (individual or legal entity) that is contracted with DirectPay, operates as a point of service for its Services, and whose name, surname, and specific details are listed in the relevant Register of Payment Institutions’ Representatives maintained by the Bank of Greece.

Partner Credit Institution or Intermediary Provider: The cooperating bank that intermediates for the transfer of the remittance from DirectPay to the receiving bank.

General Terms for Executing a Remittance Order to a Bank Account

To register for the Service, the Customer must provide identification details and supply information that constitutes personal data. Additionally, the Customer undertakes the obligation to inform us in case the information changes.

To execute a Bank Remittance Instruction the Customer must attend a DirectPay Service Point and bring a valid identification document. Additionally, they must inform the Agent of the recipient’s full name, address, account number, and bank BIC, as well as the country where the funds are to be sent. The Customer must provide a valid contact phone number so that DirectPay can reach them for any clarifications, in case the Recipient’s Bank declines the transaction, or for any other reason.

The Sender expressly agrees that the information they provide to us each time is truthful, accurate, valid, and complete.

At the Service Point, the Customer gives the Bank Remittance Instruction after having been informed about the Transaction Fees and the Estimated Time for the Transaction to be completed. The Sender must pay the Transaction Amount and the Transfer Fees at the Service Point, after which the Bank Remittance Instruction will be recorded through the DirectPay application.

Immediately after the completion of the Transaction registration, the Customer receives a receipt for the Instruction, which includes the details of the Sender and the Beneficiary, the Transaction Amount, the Transaction Fees, the currency, the date and time of the Transaction, the Beneficiary’s Bank Name, the Country, the Beneficiary’s Account Number, and the DirectPay Receipt Number. With the Receipt Number, the Customer can contact the Customer Service Department to inquire about the Transaction they made.

The only acceptable currency for the Bank Remittance Service is the Euro (€).

Any individual dealing with DirectPay must be of legal age.

Charges, Currency, and Exchange Rates

The Sender must pay the total amount specified in the money transfer application to the Representative. The Service Point is obligated to inform the Sender in detail about the charges. The Sender will not incur any additional charges for the money transfer. The receipt of the amount of the Bank Remittance may, depending on the case, be possible in other currencies. Typically, money transfer orders are executed in the destination country’s currency. The Sales Point of the services provided by DirectPay can inform the Customer whether it is possible to carry out the transaction in a different currency—depending on the destination country of the transfer—and about the applicable exchange rate, where relevant. The chosen currency, the agreed exchange rate, and the amount of the final conversion are stated on the Money Transfer Request.

The Institution calculates the exchange rate based on commercially available interbank rates plus a profit margin. In some cases, the payment of a remittance may be subject to local taxes, recipient bank charges, and additional fees. The recipient may incur additional charges from the receiving bank to receive the transferred funds into their account.

Cancellation – Correction/Refund and Management Fees

The Sender does not have the right to cancel the remittance after leaving the store, as the bank transfer order is immediately transmitted to the provider for account crediting. Cancellation or correction of a remittance may be requested, provided that the Remittance has not been credited to the beneficiary’s account.

If, due to the responsibility of the Institution or the Intermediary Provider, the bank remittance is returned, the Sender will be informed by the Institution’s Representative to receive the cancellation document of the Transaction and to return the amount of the money transfer, including the transfer fees.

If the responsibility for the return of the remittance lies with the Sender or the Recipient, then the amount of the money transfer will be refunded without including the transaction fees.

The Sender may request the cancellation of the money transfer amount, where possible, by contacting the Institution’s Representative or sending a letter or email to the Company, provided that the crediting to the Recipient has not been completed.

Restrictions on Money Transfers

DirectPay has established limits regarding the maximum amount of money that can be sent per transaction.

At the same time, it reserves the right to refuse the transfer of funds when: (a) executing the Sender’s instructions may lead to a violation of any law, regulation, code, or other obligation or duty applicable to the Institution, (b) executing the Customer’s instructions might expose the Company to a lawsuit, criminal prosecution, or other related measures by any government authority or regulatory body, (c) the execution of the Sender’s instructions may be related to the commission of fraud or other illegal activities, (d) there is doubt about the validity of the identification document or the information provided by the Customer.

DirectPay is obligated to screen all transactions in accordance with the applicable Regulatory Framework and to compare the details against international sanctions lists, including OFAC, E.U., U.N., U.K., and PEP lists, among others. DirectPay or its Representatives may refuse to provide the Service to any individual without providing a reason for their decision, in order to prevent fraud, money laundering, or terrorist financing, or to comply with any applicable law, court order, or requirement of any regulatory or governmental authority.

Responsibility of the Institution

DirectPay is not liable for any damages suffered by the Customer that may be caused by:

a) Events of force majeure, total or partial suspension of operations of DirectPay or the collaborating Credit Institution due to an action by authorities, strikes, stoppages, social unrest, hostilities, or other events beyond DirectPay’s control, for as long as they last and prevent DirectPay from providing the Service.

b) Actions or omissions of the collaborating Credit Institution or any other cause beyond its sphere of influence.

DirectPay is not liable if the transfer is not completed because the Beneficiary’s Bank ultimately does not accept it or because the Customer provided incorrect details for the Transaction, leading to its failure.

Complaints/Grievances

Any complaints or grievances against DirectPay or the provided Service should be communicated to the Payment Institution. In the communication, it should be clearly stated that there is a desire to file a complaint. This will help distinguish the complaint from a simple inquiry. All available methods for submitting a complaint are listed at the link: https://directpay.gr/diaxirisi-paraponon

Any submitted requests and complaints will be recorded by DirectPay, and an attempt will be made to resolve them within fifteen (15) working days from the date of receipt, with a maximum period of forty-five (45) days. The Institution will make every effort to provide a response or resolution to the submitted complaint within the timeframe set by the applicable legislative framework. If for any reason this timeline cannot be adhered to, the reasons for the delay and a new possible response date will be communicated to the Customer by the Customer Service Department. If the complaint is not resolved to the Customer’s satisfaction, within the framework of their rights, they may seek further information from the General Secretariat for Consumers at https://www.gov.gr/sdg/consumer-rights/consumer-rights-and-guarantees or from alternative dispute resolution bodies (e.g., the “Consumer Ombudsman” at email: grammateia@synigoroskatanaloti.gr, 144 Alexandras Avenue, 14471 Athens, Greece, tel.: 210 6460862, 210 6460814, fax: 210 6460414, (site: http://www.synigoroskatanaloti.gr)).

Personal Data

For all personal data we process while providing the Service, the Data Controller is DirectPay.

You can read more about the processing of your personal data in the Institution’s Privacy Policy at the link:(https://directpay.gr/prostasia-prosopikon-dedomenon/)

Availability, Changes Acceptance of These Terms

These terms are governed by Greek law, and any disputes shall be subject to the jurisdiction of the competent Greek Court. These terms are available at DirectPay’s website (www.directpay.gr ). The Customer, by giving an order to send a Bank Remittance, accepts these terms. In any case, the Customer has the right to request these terms from DirectPay through the Service Point in printed form, free of charge.

Customer Service Department DirectPay: +30 210 52 43 171

Operating hours: Monday-Sunday 09:00-21:00

E-mail: info@directpay.gr

Website: www.directpay.gr

Services Terms of Use

Terms & Conditions for Receiving Money via MoneyGram

RESTRCTUIBS OF RECEIVING FUNDS

GENERAL

PERSONAL DATA PROTECTION

COMPLAINTS

THE REGULATORY FRAMEWORK GOVERNING THE OPERATION OF OUR BUSINESS

SEPARATE AGREEMENTS

RESTRICTIONS ON TRANSFERS

IDENTIFICATION AND PAYMENT FOR CASH TO CASH TRANSFERS

ADDITIONAL TERMS FOR TRANSFERS TO RECIPIENT ACCOUNTS

SEPARATE AGREEMENTS WITH DirectPay S.A.

OUR LIABILITY

OTHER TERMS

PERSONAL DATA PROTECTION

COMPLAINTS

THE REGULATORY FRAMEWORK GOVERNING OUR OPERATIONS

TERMS CONDITIONS OF DirectPay my Bills SERVICE

TERMS AND CONDITIONS OF THE DIRECTPAY to Bank SERVICE

DirectPay. All rights reserved. ©2024 Developed by Cactus