Terms and conditions of use of the BT PAY mobile application

1. BT Pay and acceptance of the use of the application

These terms and conditions constitute for the Client (hereinafter referred to as "BT Pay Terms") a legal contract concluded between Banca Transilvania S.A., a credit institution established in Romania, with its registered office in Cluj-Napoca, Calea Dorobanților, no. 30 - 36, Cluj County, registered at the Trade Register under no. J1993004155124, unique code RO 5022670 (hereinafter referred to as "BT” or „bank”) and you („the client” or „uuser”) for using the functionalities of the BT Pay mobile application (hereinafter referred to as „Application” or „BT Pay”) and is applied as follows:

A. Qualora siate clienti della Banca Transilvania S.A. – Filiale Italia (BT Italia)

For the clients of Banca Transilvania S.A. – Italy Branch (BT Italy applies the current version of these Terms and Conditions available who.

B. If you are a Major Client (“major user”):

We recommend that you read the full BT Pay Terms before deciding whether to accept them and continue the registration process. If you do not agree with any of the provisions of the BT Pay Terms or if you refuse to have your personal data processed as explained to you throughInformation note regarding the processing of personal data in BT Pay, please do not access, navigate or use the application, nor the software, services, information, materials or other such contained in the application.

BY CLICKING THE "I AGREE" BUTTON BELOW, YOU AGREE TO THE USE OF BT PAY UNDER THE TERMS MENTIONED IN THE BT PAY TERMS AND IN INFORMATION NOTE REGARDING THE PROCESSING OF PERSONAL DATA IN BT PAY.

C. If you are a minor Client aged between 14 and 18 years and have BT Pay linked to your account opened at BT:

In order to access/use the functionalities in BT Pay for minor users who have BT Pay linked to their account opened at BT, it is necessary that a parent/guardian/legal representative of yours (hereinafter “the parent”) to express his/her agreement in this regard at the bank, by acceptance Terms and conditions for using the BT Pay Kiddo functionality for minors aged 14-18 who have an account opened at BT (hereinafter “ BT Pay Kiddo Terms for minors who have a BT account”).

Even if your parent accepts the BT Pay Kiddo Terms for minors on your behalf which have BT account for you, we recommend that you also read these BT Pay Terms, alone or – if some words are not clear to you – together with your parent. We specify that, among the provisions from the section 3. What you can do in BT Pay from these BT Pay Terms, only those referring to operations that can be carried out by minors over 14 years old apply to you, as described in chapter V- BT Pay Kiddo Features from the BT Pay Kiddo Terms for minors who have a BT account. We also mention that the processing of your personal data is carried out according to the information prepared especially for you: Information note regarding the processing in BT Pay of personal data of minor users over 14 years old who have a BT account who have BT account.

If you do not agree with any of the provisions of the BT Pay Terms that also apply to minor users or if you refuse to have your personal data processed as we informed you through Information note regarding the processing in BT Pay of personal data of minor users over 14 years oldthose who have a BT account, please do not access, browse or use the application, nor the software, services, information, materials or other such included in the application.

CLICKING ON THE BUTTON „I AGREE” BELOW, YOU AGREE TO THE USE OF BT PAY UNDER THE TERMS MENTIONED IN THE BT PAY TERMS APPLICABLE TO MINORS AND IN INFORMATION NOTE REGARDING THE PROCESSING IN BT PAY OF THE PERSONAL DATA OF MINOR USERS OVER 14 YEARS OLD WHO HAVE A BT ACCOUNT

D. If you are a Minor Client aged between 8 and under 18 years old and want to use BT Pay on your parent's account:

To be able to access/use in BT Pay the functionalities for minor users who have a card issued in their name, but attached to the parent's account (hereinafter referred to as "minors attached to the parent's account"), it is necessary for a parent/guardian/legal representative of yours (hereinafter "the parent") to express their consent in this regard to the bank, by accepting Terms and conditions for using the BT Pay Kiddo functionalityfor minors attached to the parent's account (hereinafter „BT Pay Kiddo terms for minors attached to the parent's account”).

If you are between 8 completed years and 18 incomplete years old, you will be able to use BT Pay with a card issued in your name, but which is attached to your parent's account. The process through which you can receive access to the application and you can be issued a BT card must be completed by your parent in BT Pay.

Even if your parent accepts for you the BT Pay Kiddo Terms for minors attached to the parent's account, we recommend that you read these BT Pay Terms yourself, alone or – if some words are not clear to you – together with your parent. We specify that, among the provisions from the section 3. What you can do in BT Pay from these BT Pay Terms, only those described in chapter V apply to you- BT Pay Kiddo Features from the BT Pay Kiddo Terms for minors attached to the parent's account. Also, we mention that the processing of your personal data is carried out according to the information prepared especially for you : Information note regarding the processing in BT PAY of the personal data of minor users attached to the parent's account.

If you do not agree with any of the provisions of the BT Pay Terms that apply to users under 14 years old or if you do not want your personal data to be processed as we have informed you through Information note regarding the processing in BT Pay of the personal data of minor users attached to the parent's account, please do not access, browse or use the application, nor the software, services, information, materials or other similar included in the application.

If at any time after registering in BT PAY you decide that you no longer agree with these BT Pay Terms, please uninstall the application.

BT Pay Terms establish the way you can use in the BT Pay application the cards issued by Banca Transilvania, (hereinafter referred to as „BT Cards”), the cards issued by other financial institutions from Romania, under the Visa, MasterCard, Maestro logo, enrolled in the 3D secure service, (hereinafter referred to as „Non-BT cards”) and the cards issued by BT Direct (hereinafter referred to as „BT Direct Cards”), as well as access to the accounts opened in the client's name at Banca Transilvania. The BT Pay terms are supplemented by the General Business Conditions of Banca Transilvania applicable to Natural Persons and Legal Entities (hereinafter referred to as „CGA”), as well as with official regulations of loyalty programs and payment in installments without interest, in the case of credit cards.

All these documents are available on the bank's websites – www.bancatransilvania.ro and www.starbt.ro.

In order to be able to use BT Pay, respectively to have the possibility to view and/or benefit from the services offered within it, it is necessary to be a BT client and/or to hold at least one BT debit or credit card, issued to a natural person and/or legal entity.

By registering in the application you confirm that you meet the legal conditions and that you have not been prohibited from using a service like the one offered by BT Pay. BT makes every effort against the misuse of this application and its facilities. The bank will monitor the use of the application to ensure that it complies with these BT Pay Terms and that the services are not used abusively and in violation of legal provisions.

2. How do you access BT Pay?

BT PAY is a secure mobile banking software application, accessible through a mobile phone with an Internet connection. The application can be used on iOS and Android operating systems and must be installed from dedicated stores (Google Play Store – for Android, Huawei App Gallery – for Huawei phones without access to Google services, and App Store for iOS).

In case the bank is running specific campaigns through which it grants BT Pay users the possibility to send personalized links through which the application can be downloaded, BT Pay can also be downloaded in this way (Invite friends to BT Pay campaigns). You will still be redirected to the dedicated stores (Google Play Store – for Android, Huawei App Gallery – for Huawei phones without access to Google services, and App Store for iOS) to download the application. In certain situations, the Bank may run prize campaigns, so customers who install BT Pay by accessing such a received link may be beneficiaries of prizes mentioned in the respective campaign regulations, if they meet the eligibility criteria. The campaign regulations will be found on the Transilvania Bank website, where it can be consulted.

Users can add BT and non-BT Cards and use the application's functionalities, described in detail in the specific guides for each operating system:

1. Opening a business relationship with Transilvania Bank through BT Pay

To accommodate those who wish to open a business relationship with BT, the bank offers adult individuals, with tax residence only in Romania, the possibility to become BT clients holding a current account directly through the BT Pay mobile application.

To apply for opening a business relationship with BT through BT Pay, the previously mentioned persons need to hold an identity document issued in Romania, such as - Identity Card (CI), or Electronic Identity Card (EC).

Requests for opening a business relationship initiated through BT Pay can be:

Approved immediately after completing the application process for opening the business relationship through BT Pay;
Approved within the following hours or within the following working days after the completion of this application process;
Rejected, in certain exceptional situations.

Regardless of the final resolution from the Bank, the applicant is informed directly in the application through a "push notification" communication.

Application for opening a business relationship with the bank through BT Pay requires acceptance of these BT Pay Terms and involves the processing of personal data as specified in specific information note.

2. Authentication in the application

User registration will be carried out by the bank applying the strict customer authentication procedure, as defined in the applicable legislation on payment services.

Registration involves the processing of personal data, as we have detailed in the dedicated information note regarding the processing of personal data for the purpose of identification in BT Pay.

Following the registration carried out according to this point, depending on the category to which they belong, namely bank client as an individual or card user, the user will have access to all the functionalities of the application or only some of them, as mentioned in the specific guides indicated above.

Clients holding accounts opened at Banca Transilvania – Italy Branch, who have enrolled in the BT Pay Italy application using an identity card issued in Romania and who have accounts/deposits opened at Banca Transilvania Romania, will be able to view and carry out transactions also from the Banca Transilvania Romania accounts/deposits.

3. Card registration

Users can add the following types to BT Pay cards issued in the name of a natural or legal person:

A. BT Cards

Users can add Banca Transilvania cards to BT Pay by entering the card details requested in the application.

Cards issued in the name of an individual can be enrolled and used in the BT Pay application even if the user has not taken possession of the physical card. The user can take possession of the physical card either by requesting it by courier or by collecting the card from the territorial units of Banca Transilvania within the deadline set in the Bank's General Terms and Conditions of Business.

Adding the card in the BT Pay application also involves activating it, if the activation was not previously performed at a BT ATM. If the client has added the card in BT Pay, activated it, and later comes into possession of the physical card, it will be necessary to carry out the following operations:

a) the card is reissued at maturity - the user must perform with the physical card a first operation of "PIN Change" from the ATM menu – "PIN Management". During this operation, the existing PIN code of the card and a new PIN code, which can be the same as the existing PIN code of the card, will be requested. In the exceptional situation where the user receives an error at the completion of the "PIN Change" operation, they address the bank with a request for the commission-free reissuance of a new activation code, after which the standard activation steps for the card from the BT ATM follow.

b) the card is newly issued or reissued upon request - it is necessary to activate the physical card at a BT ATM and set a PIN code for the issued / reissued card.

For phones with the Android operating system and built-in NFC technology, for making contactless payments (NFC), registering the card and validating it leads to the allocation of a payment token (alternative card number) to that card, the token being associated with the card on that phone.

After registering the card in BT Pay, the user may have the possibility to add it to the Google Pay solution, directly through the BT Pay application.

The user will also comply in this respect with the Terms and Conditions for the use of cards issued by Banca Transilvania in Google Pay.

For phones with the iOS operating system, card data validation takes place without allocating a payment token, the token being necessary only in the case of NFC payments.

Subsequent to the card registration in BT Pay, for making NFC payments at merchant terminals, the user may have the possibility to add it to the Apple Pay solution, directly from the BT Pay application. The user will also comply in this respect with the Terms and Conditions for using cards issued by Banca Transilvania in Apple Pay.

By adding the card to BT Pay, the user understands that it will be able to be used for financial operations such as, but not limited to: contactless payments at merchants, transfers between the same client's cards, transfers between cards of different clients, based on phone number or IBAN, (in the case of transfers based on phone number, the user has the possibility to set a main receiving card directly from the card settings, an option that leads to the automatic receipt of amounts in the chosen card, without the need to accept the money from SMS/notification), collecting in BT cards from non-BT cards, confirmation (approval or rejection, as applicable) of online payments through BT Pay, payment of utility bills by accessing the Bill Payment service, viewing card details (card number, CVV, CVC, expiry date), contactless cash withdrawals, cash withdrawals based on code, enrolling cards in the Apple Pay solution (for users of devices with iOS operating system), enrolling cards in the Google Pay solution (for users of devices with Android operating system), activation and setting of the Round Up service, issuance or re-issuance of a debit card, issuance of a virtual card virtual in Ron, Euro, USD, viewing the history of transactions made with the card (including card credits), viewing expenses made with the card grouped by categories, viewing the account balance to which the card is attached, in the case of credit cards including for: viewing the monthly payment amounts, viewing installment transactions, early repayment of unpaid amounts resulting from monthly installments, setting automatic payment of monthly obligations (minimum and maximum payment amounts) from the cardholder's current account, funding the account to which the credit card is attached with the minimum or maximum payment amount from any card enrolled in the BT Pay application, when applying for shopping offers, service and product offers of Banca Transilvania, as well as offers from partners .

The use of these functions involving the debit or credit of amounts will be carried out in the bank account to which the respective card is attached, being the responsibility of the cardholder.

At the same time, after performing an additional validation using the code received via SMS, other functionalities of the application can also be accessed through BT Pay, such as:setting daily trading limits on digital and physical cards, temporary blocking and unblocking or permanent blocking of these cards, updating personal data in the bank's system.

Also, certain categories of users (such as, but not limited to: those identified as bank clients, individual current account holders who do not have a STAR Forte type credit card) will be able to apply for a credit card of this type with an attached credit line. At the same time, certain categories of users (such as, but not limited to: those identified as bank clients, individuals who hold a STAR Forte, STAR Gold, BT Flying Blue Classic, BT Flying Blue Premium type credit card) will be able to apply for an increase in the credit line on the product they hold.

In addition, certain categories of users (such as, but not limited to: those identified as bank clients, natural persons, who hold a current account with an attached debit card) will be able to apply for obtaining/increasing a credit line in the form of an overdraft.

By registering in BT Pay, the user understands that they will have access to the amounts in their accounts opened at BT or, as the case may be, to the amounts in the account holders' accounts to which the supplementary card is attached and will be able to perform operations as defined in chapter 3 below – “What you can do in BT Pay”.

Through the “Card saved at merchants” service, the user has the ability to manage the bank cards associated with their account, depending on their type:

1. For VISA cards: the BT Pay application user identified as a BT client, an adult natural person account holder with an added card (excluding PF_Tichet) will be able to view:

In the section "Online Saved Card" the list of accepting merchants on whose websites/applications the card data has been saved for subsequent payments and who store this information in the form of a token;
In the "Recurring Payments" section, subscriptions and recurring payments associated with the card saved on the merchants' websites who save the card information both in the form of a token and the card data.

Information regarding the card saved in the merchants' applications/websites will be available for viewing in BT Pay within a maximum of 48h from the moment they are saved.

Users will be able to view in the "Card saved at merchants" section the most recent transaction from the last 13 months related to each merchant.

Users will not be able to activate, modify or cancel subscriptions related to a card from BT Pay. Any such modification must be made directly on the respective merchant's website.

The service offers the possibility to block future transactions for a maximum of 60 months from the list, of any card saved online at the merchants mentioned above. However, blocking future transactions does not automatically imply deleting the card issued on the user's account from the merchant's website.

Thus, after blocking future transactions for future payments initiated on the merchant's website for which the transaction blocking was requested, it will be necessary to reactivate payments for that merchant from BT Pay.

Blocking future transactions via BT Pay under the conditions indicated above will not automatically lead to the termination of the contractual relationship between the user and the merchant, nor to the blocking of future debit attempts of the account initiated by the merchant through another payment method. In this regard, the user is advised that after blocking future transactions according to this section, they should proceed to permanently delete the card from the merchant's application/website.

2. For MASTERCARD cards: the BT Pay application user identified as a BT client, an adult individual account holder with an added card will be able to view:

In the section "Saved Card Online" the list of accepting merchants on whose websites/applications the card data was saved for subsequent payments in the last 3 months and who store this information in the form of a token;
In the section "Recurring Payments" the subscriptions and recurring payments associated with the card saved on the merchants' websites in the last 3 months that save the card-related information both in the form of a token and the card data.

To request the deletion of saved bank card information or to terminate an active subscription concluded with a merchant, it is necessary that the procedure be carried out through the merchant's official platform (website or mobile application). These actions must be performed in accordance with the procedures established by the merchant, since only through their own channels can the individual users' requests be properly identified and processed.

Click to Pay - facility offered by Visa and Mastercard to users of cards issued under the logos of these Payment Organizations, through which, when making online transactions/at virtual stores on the internet, the card details associated with the email address in the relationship with the Bank (card number, user name, expiration date, and CVV/CVC code) are automatically retrieved before Transaction Authorization. The use of this functionality is subject to the applicable Terms and Conditions:

B. BT Direct Cards

BT Pay users will be able to add cards issued by BT Direct by manually entering the card details, namely: card number, first and last name, expiration date, CVV code (the 3-digit code located on the back of the card).

Subsequent to the registration of the BT Direct card, the user will be able to use it for performing the following operations: card balance, viewing the history of transactions made with the card, contactless payments at merchants, enrolling cards in the Apple Pay solution (for users of devices with iOS operating system), enrolling cards in the Google Pay solution (for users of devices with Android operating system), confirmation (approval or rejection, as the case may be) of online payments through BT Pay.

C. Non BT Cards

BT Pay users identified as natural person customers of the bank and who have at least one BT card enrolled in the application can also add non-BT cards to BT PAY by manually entering their data, namely card number, first and last name, expiration date, CVV code (the 3-digit code on the back of the card).

After enrolling the non-BT card in BT Pay, the user has the possibility to access the Open Banking option, which allows them to view financial information from other financial institutions where they have open accounts for a period of 90 days. After this period, the user can reauthorize data access for a similar period.

In the case of accessing the Open Banking functionality in BT Pay, the application user will also be subject to Terms and Conditionsspecific to this option.

4. User authentication for accessing and using BT Pay

The application can only be used if the phone is secured by a password, fingerprint, or another security method offered by the phone. When registering in BT PAY, it is checked if the phone is secured. Subsequently, at each access to the application, it is checked if there is phone security.

The chosen security method will also be used for authorizing contactless payments, online payments, ATM withdrawals, transfers, additional card settings, as well as in the case of other options that may require authentication.

In case the user has set a security code (PIN code) for BT Pay, it will be used for authentication and authorization of transactions in the application, the user still having the possibility to use the phone's securing method when paying with the BT Pay application at merchants, without having to enter the application (if the payment method through phone unlocking is set). In case the user has enabled the device unlocking function using biometric data (e.g., FaceID, fingerprint), after setting the security code, they will be allowed to activate the biometric data saved on their phone.

You agree and understand that you are responsible for maintaining the confidentiality of the Login Data associated with your use of BT Pay and for taking all reasonable measures to keep this information confidential.

You are obligated to notify Banca Transilvania immediately, without unjustified delays, when you notice the loss, theft, illegal appropriation, or unauthorized use of your Login Data, as well as the mobile phone you use to access BT Pay. You also agree to notify Banca Transilvania immediately, without unjustified delays, in the same way regarding any other security breach related to the Service of which you are aware.

Banca Transilvania may suspend the use of your Login Data or Account in cases where it suspects the compromise of their security or the existence of unauthorized or fraudulent use.

Banca Transilvania will inform you in advance or, if this is not possible, immediately after suspending the use of your login data or Account, specifying the reasons for the suspension, except when providing this information could compromise reasonable security measures or violate the law. Banca Transilvania will reactivate your Login Data or Account or will provide you with new Login Data or a new Account, as soon as possible after the reasons that caused the initial suspension have been removed.

If you use BT Pay as a legal entity client, you agree that all officials, employees, agents, representatives and all other persons who have been issued a card attached to the legal entity account in their name, will be authorized to access the application, make payments with it within the application, view the transaction history made with the card and the limits set on the card issued in their name, temporarily and permanently block the card and access the Offers section.

You assume full responsibility for the rights you have granted to third parties in relation to the bank, for operating on personal accounts through the BT Pay application. You are obliged to ensure that the designated persons have understood and comply with all imposed conditions and limits. In case the third parties act beyond the established limits or cause damages, the liability lies exclusively with the Client.

If you have received/have access in BT Pay to other individuals' BT personal accounts, adults or minors, on which you are designated with operating rights (authorized representative), you are obliged to use these rights exclusively within the limits of the granted mandate, in accordance with the applicable legal and contractual provisions.

By using the BT Pay application, you confirm and agree that your authorized representative, who holds sole signing authority, will have the ability to process the following types of transactions through the BT Pay application:

- Viewing current accounts/ savings accounts/ term deposits;

- Making transfers from opened current accounts;

- Currency exchanges in the currencies in which the account holder has open accounts;

- Account statement generation;

- View transaction history;

- IBAN distribution;

- Setting up recurring payments;

Management of savings accounts and deposits, including establishment and closure.

3. What can you do in BT Pay?

The current functionalities available in BT Pay are presented in detail in the dedicated guides: BT Pay application user guide - Android (for devices with Android operating system) BT Pay Application User Guide - IOS (for devices with iOS operating system).

At the same time, on these web pages, details regarding each functionality of BT Pay, which the user is obliged to consult and acknowledge, can be found.

The current functionalities can be supplemented with new ones, communicated depending on the operating system, in the mentioned guides.

Commissions as well as the maximum ceiling of daily transactions for the operations the user can perform in the BT Pay application are mentioned in website of Transilvania Bank.

In case BT credit cards, the setting of automatic payments for monthly obligations (the minimum and maximum payment amount) will be made from the current account of the cardholder, the payment being made on the due date. In case the due date is a non-working day, the debit of the monthly obligation will be made on the preceding working day. In case the user has multiple current accounts, the first account opened at the bank will be debited.

In case the BT card top-up or setting the automatic payment option is done outside the interval Monday – Saturday, 9 AM – 7 PM or on non-working days, the registration of the top-up and the option will be made on the next working day. Thus, if such an operation takes place on the due date (the 25th of each month) on a non-working day or outside the above-mentioned interval, the user understands that the monthly payment obligation will not be made on time.

The user can pay for an online purchase from the mobile phone, directly selecting from the merchant's page the payment method "BT Pay". If the chosen payment method is a credit card, the user has the option to choose installment payment by selecting the number of installments available on the merchant's site. Subsequently, the user chooses the card and confirms the transaction by: biometrics (FaceID, fingerprint), or unlocking (password, code).

By using the RoPay service, the user accepts the general terms and conditions regarding instant payments between banks in Romania. Additional information, including details about fees, security, and user rights, are available here.

The terms and conditions applicable to the subscription activation service are available at the time of its activation in the BT Pay mobile application or on the Transilvania Bank website.

By accessing the Accounts section

The individual user can perform transactions, according to the rights they have, on current accounts, regardless of whether they have an attached card or not, including accounts attached to credit cards and other types of accounts, such as deposit/savings accounts. The user's main lei (RON) account will be automatically added following registration in BT Pay.

The "Accounts" section in the BT Pay application offers the user the following functionalities:

displaying accounts in the BT Pay application
active accounts view and display of their balances
viewing the cards attached to each account
viewing additional cards attached to each account. By using this functionality, the Client will be able to: (i) view the transaction history, (ii) view the expenses made with the card grouped by categories, (iii) block/unblock the payment instrument, (iv) modify the card limits
transfers between own accounts
making transfers in lei (interbank and intrabank)
making transfers via RoPay Alias;
viewing, setting and deleting recurring payments
transaction history view and pending transfers
IBAN distribution
payment of invoices by payment order
currency exchange - for currency exchanges exceeding the amount of 100,000 EURO / USD / GBP versus RON, respectively 25,000 EURO (or equivalent) for other currency pairs, the Bank offers the possibility to negotiate the exchange rate using alternative channels
automatic import of the beneficiaries saved in the Neo BT applications card and BT24
current account opening in RON or other currency
execution of currency transfers (interbank and intrabank; for additional information, consult: Transaction Processing Schedule)
accessing the account statements available to accounts added in the BT Pay application. These can be previewed or downloaded in PDF format
closing subaccount from BT Pay
recurring payments
viewing active garnishments on BT accounts

Utilizarea funcționalităților din cadrul sectiunii "Conturi" se supune General Business Conditions of Banca Transilvaniaapplicable to the individual client at the time of use.

By accessing the option to close a current account in BT Pay

The use of this service is subject to Terms and Conditions applicable to it.

*By activating the RoPay service

By activating the RoPay Alias service, the user of the BT Pay application – an individual, client of Transilvania Bank and holder of a personal current account added in the application – can make fund transfers in lei (RON).

At the time of activating the RoPay Alias service, the user chooses the BT account on which the alias is activated (the declared phone number), and this account becomes the unique account through which both the sending and receiving of sums via RoPay Alias are carried out.

Transfers (sending and receiving money through the BT account) can be made either by using the phone number or through the QR code generated or scanned via the BT Pay application.

The RoPay Alias service is offered within the application, but the user can opt out of it at any time, without this affecting their ability to use other functionalities of BT Pay. The BT Pay user can opt out of using the RoPay Alias service by deleting the alias previously added in BT Pay.

Use of RoPay is subject to Terms and conditions applicable to this service and the conditions for processing personal data specific to it.

By activating the Bill Payments service

The user of the application identified as a retail bank client can access the Bill Payments service from the application.

This allows individual users to pay utility bills. Through this service, Banca Transilvania offers users access to:

a) Payment of invoices to approved suppliers using one of the methods below:

Linking the account related to an approved utility provider;
Connecting the account to the Pago Application and importing connected suppliers from within the Pago Application;
Scanning an invoice received from an approved utility provider, without the previously mentioned configuration;
Requesting an amount from a third party for the payment of an invoice.

b) Viewing the history of payments made to approved suppliers;

Using the Pay Bills service is subject to Terms and conditions applicable to this service and conditions for processing personal data specific to it.

The Bill Payment Service is offered within the application, but the user may choose not to use it or may opt out of the activated payment options at any time, without this affecting their ability to use the other functionalities of BT Pay.

BT Pay user will be able to opt out of using the Pay Bills service by deleting / disconnecting all connected providers and deactivating existing payment options, if they are activated.

By accessing the Round Up functionality

Certain categories of application users (such as, but not limited to: those identified as individual bank clients, holders of a current account in RON and with at least one own card issued in the RON currency, added in BT Pay, will be able to access the Round Up functionality and can activate the option on the main current account in Lei. The option is activated at the account level. All payments made with cards attached to that account will benefit from this option.

Payment transactions accepted for the Round-Up service are:

Payment by debit card or through wallet-type applications made at a POS;
Payments made online using the debit card;

Payments made from the overdraft account, as well as transfers made from the current account (whether scheduled or not), cash withdrawals with the debit card, bill payments at the ATM will not be rounded. Also, payments made with the BTDirect card and payments with the BT meal voucher card will not be rounded.

The non-withdrawable minimum balance is 30 lei, which means that rounding cannot be performed if the accounting balance of the source account is less than or equal to 30 lei.

The use of this service is subject to Terms and Conditions applicable to it.

By accessing the Savings functionality

The application user identified as a bank client, individual person, who has set a PIN (security code), can access the “Savings” functionality from BT Pay.

Within the Savings functionality, the user can view the savings products held at Banca Transilvania, can open other deposits/savings accounts available in the bank's offer, and can also close them through the application.
Also, the user can download the Interest Income Statement from interest which includes the total income collected from interest related to deposits and savings accounts for the selected fiscal year, or account statements available for savings accounts or term deposits.

The establishment of savings deposits/accounts is subject to the Terms and conditions applicable to each of these products, as follows:

By accessing the credit card granting option

Certain categories of application users (such as, but not limited to: those identified as bank customers individual persons, residents, who have a BT debit card issued on the personal account added in BT Pay, except for the BT meal card) can view the option to apply for a credit card in the application. This service allows the user to initiate a credit card application and, if the criteria from the BT credit policies are met, to obtain this card and the associated credit line.

The option to grant a credit card is offered within the application, but the user is not obliged to access it, not accessing this option does not affect the user's right to use the other functionalities of BT Pay.

The use of this feature involves the processing of personal data as specified in Information note on the processing of personal data for exclusively online obtaining of a BT credit card.

By accessing the option to increase the line of credit

Certain categories of application users (such as, but not limited to: those identified as individual personal bank clients, residents, who have a BT debit card issued on the personal account added in BT Pay, except for the BT meal card), who hold a STAR Forte, STAR Gold, BT Flying Blue Classic, BT Flying Blue Premium credit card issued as the primary cardholder, can view in the application the option to increase the credit line for the product held. This service allows the user to initiate a request to increase the credit line and, if the criteria from BT lending policies are met, to obtain an increase of the credit line related to the product they hold.

The option to increase the credit line is offered within the application, but the user is not obliged to access it, not accessing this option does not affect the user's right to use the other functionalities of BT Pay.

The use of this functionality involves the processing of personal data as specified in Information note regarding the processing of personal data for obtaining a BT credit card exclusively online.

By accessing the option to grant/increase an overdraft-type line of credit/a money reserve

Certain categories of application users (such as, but not limited to those identified as individuals who are bank clients, residents, who have a BT debit card issued on their personal account added in BT Pay, excluding the BT meal card), can view the option to apply for overdraft, for clients who do not have the product at BT. This service allows the user to initiate an overdraft request and, if the granting criteria from BT’s lending policies are met, can obtain the overdraft.

For the categories of application users (such as, but not limited to those identified as bank individual customers, residents, who have a debit card issued on the personal account added in BT Pay, except for the BT meal card), who have an overdraft (overdraft/credit line) at BT, they can view in the application the option to increase the credit line. This service allows the user to initiate a request to increase the credit line on the current account and in the situation where the criteria from BT lending policies are met, to obtain the increase of the credit line on the current account.

The option to grant/increase the account overdraft is offered within the application, but the user is not obliged to access it. Not accessing these options does not affect the user's right to use the other features of BT Pay.

The use of this functionality involves the processing of personal data as specified in Information note regarding the processing of personal data for obtaining/increasing an overdraft exclusively online, exclusively online.

By accessing the option to issue RCA Insurance

The application user identified as a retail bank client can access from the BT Pay application the “RCA Insurance” option. Through this option, the client can view RCA insurance offers suitable for their car and can purchase the RCA insurance directly from BT Pay. The user will be able to pay the RCA insurance including in installments, through Star cards issued by Banca Transilvania. After the policy is issued, it is available for immediate download or from the RCA section menu in the BT Pay Application.

At the same time, the client will receive notifications regarding the expiration of the insurance policy: one notification 30 days before the insurance expiration date and another notification 7 days before.

The issuance of the RCA insurance policy is subject to Terms and conditions applicable to this service and the specific Personal Data Processing Conditions for it.

By accessing the Travel Insurance option

The application user identified as an individual bank client can access the “Travel Insurance” option from the BT Pay application. Through this option, if a series of criteria are met, the client can view, based on a needs analysis, the suitable travel insurance offer for him and can purchase the travel insurance directly from BT Pay. The user will also be able to pay for the travel insurance in installments, through Star cards issued by Banca Transilvania. After the policy is issued, the client will receive the policy together with the complete set of documents specific to this insurance at the entered email address.

By selecting the Home Insurance option

The application user identified as a bank individual client can access the "Home Insurance" option from the BT Pay application. Through this option, if a series of criteria are met, the client can directly purchase from BT Pay the optional home insurance and the PAD insurance, in case there is no active PAD associated with the respective home.

The user will be able to pay the home insurance in installments as well, through Star cards issued by Banca Transilvania.

After the policy is issued, the client will have the possibility to distribute the policy along with the complete set of documents specific to this insurance.

By accessing the Credit card & overdraft insurance (line of credit) option

The application user identified as a bank client, an individual, can access the "Credit line insurance" option from the BT Pay application. Through this option, if a series of criteria are met, the client can view, based on a needs analysis, the suitable credit line insurance offer for them and can purchase the insurance directly from BT Pay. After completing the process, the client will receive the full set of documents specific to this insurance at the entered email address.

By accessing the BT Pay Kiddo option for minors who have a BT account

The primary user of the application, identified as a retail bank client, can activate the BT Pay Kiddo option for minors who have a BT account from the BT Pay application, through which they can give their child or minor, aged between 14 and 18 years old and who has an account opened at BT, permission to use the BT Pay application through the card issued in the minor's name, attached to the minor's account. The use of this functionality is subject to Terms and Conditions applicable to this service.

By accessing the BT Pay Kiddo option for minors attached to the parent's account

The main user of the application identified as an individual bank client can activate from the BT Pay application the BT Pay Kiddo option for minors attached to the parent's account, through which they can offer their child or minor, aged between 8 and not yet 18 years old, permission to use the BT Pay application via the card issued in the minor's name, attached to the parent's account. The use of this functionality is subject to Terms and Conditions applicable to this service.

By accessing the option Move your money to BT

The application user, individual bank client, can access the option "Move your money to BT", through which they can transfer, with the desired frequency, their income or other amounts held in an account opened at another financial institution to which a non-BT card enrolled in BT Pay is attached, into an account to which a BT card already registered in the application is attached.

At the moment of activating the option, the user must ensure that the available balance in the non-BT account from which the amounts are to be transferred to the BT account is sufficient to carry out the desired recurring operation. Transfers will be made with the set recurrence and chosen amount, only if there is an available balance in the non-BT account on each of the dates set for the recurring transfer.

By using the identification option in BT Pay

BT individual customers, BT Pay users, will have the possibility that during a phone call initiated to/from the Call Center or, if applicable, in the case of operations carried out in BT branches, to be identified through the Application installed on the phone number declared to the bank. Customers who choose such identification will receive a push notification sent in BT Pay, from where they can accept/refuse identification, respectively they will be able to identify themselves using the phone unlocking method/security code used for BT Pay.

By accessing the functionality Loading Phone Card and eSIM

BT Pay users (except those who only hold meal voucher cards) can load a phone card (prepay) for phone numbers from providers available in the application by entering the phone number for which the load is desired. The user acknowledges that these transactions are irreversible. The user assumes the correctness of the entered phone number and that they have the consent of its holder for its use in BT Pay for the purpose of loading the card.

The eSIM service accessible through the BT Pay application allows users to purchase and activate mobile data plans provided by an external partner, on devices compatible with eSIM technology.

BT Pay exclusively offers facilitation of access to this service. The provision of data traffic, network coverage, service quality, and technical support related to eSIM plans are entirely the responsibility of the partner telecom provider.

By purchasing an eSIM plan, the user is subject to the specific terms and conditions of the provider, displayed in the application during the activation process.

By accessing the Credit functionality

The application user identified as a client of the bank, the individual and who is credited, can view in BT Pay, in the "Credits" functionality, details about the non-card credit products held at Banca Transilvania (e.g. due date, payment amount, repayment schedule, any amounts owed, attached insurance policies, fees, any delays).

The application user identified as a bank client, an individual, who meets the eligibility criteria established by the bank will be able to access the functionality "Apply for a personal loan Simulate a 100% online loan" from the "Loans" tab.

Through this functionality the user can perform a simulation for a personal loan and can obtain a personal loan 100% online provided the eligibility criteria of the bank are met.

The use of this functionality involves the processing of personal data as specified in Information note regarding the processing of personal data for obtaining a BT personal needs loan 100% online

The BT Pay application user, an individual, who holds an active loan at Banca Transilvania and has the status of loan holder, will be able to access the partial early repayment functionality of the loan, provided that the criteria set out in the early repayment policy of loans in BT Pay of Banca Transilvania are met.

The user can initiate the partial early repayment operation of the loan from the BT Pay application, by accessing the "Loans" section and selecting the "Partial early repayment" option.

This service allows the BT Pay user to perform online simulations of partial early loan repayment and to submit partial early repayment requests.

These operations can be carried out on working days (Monday – Friday), between 08:00 – 18:00.

For submitting the partial early repayment request, the BT Pay application user confirms the transaction and authenticates in the application through a secure method: Face ID, fingerprint, or code, depending on the settings chosen in BT Pay.

By accessing the Investments functionality

By using the "Investments" functionality, the application user, identified as a natural person bank client, holder of an investment account, will be able to: (a) become an investor in the investment funds managed by BT Asset Management SAI, by signing the brokerage contract with BT; (b) choose the desired investment fund from those available; (c) buy/sell Fund Units (FU); (d) set up a recurring investment, through the "Direct Invest" service; (e) view transactions in processing; (f) consult the history of operations; (g) generate portfolio statements, transaction confirmations, ex-post cost statements, statements of held funds, recorded gain and/or loss; and (h) consult details about the investment funds managed by BT Asset Management SAI (e.g. the fund's performance chart over the last 5 years).

The application user, identified as a bank client, a natural person, account holder, who used an identity card issued on the territory of Romania to activate the BT Pay application, can become a participant in the voluntary pension fund(s) managed by BT Pensii SA, provided the adhesion act is signed for each fund. The user will be able to set a recurring monthly contribution, modify or cancel the contribution, view contribution and balance history, the number of allocated fund units, and generate account statements as well as view details about the voluntary pension funds managed by BT Pensii SA (e.g., NAV, performance over the last 5 years). More information can be foundhere.

By accessing the Rovinieta option

The BT Pay application user identified as a bank client, individual person will have the possibility to purchase a Rovinieta for the territory of Romania. This option offers the possibility to purchase or renew the Rovinieta for different categories of vehicles, for different periods of time. The user takes into account that these transactions are irreversible and assumes the correctness of the data entered in the Rovinieta purchase process.

The use of this service is subject to Terms and Conditions applicable to it.

By accessing the option to issue an additional card

The use of issuing an additional card is subject to Terms and conditions applicable to this service.

By accessing the BT Pay Chatbot

The BT Pay application user can benefit from assistance regarding the application and its functionalities through the chatbot integrated into BT Pay. The chatbot offers automatically generated answers, using artificial intelligence (AI) techniques, to general questions. Although we strive to constantly improve the AI-generated content, the answers may contain errors, inaccurate or outdated information. For this reason, we strongly recommend BT Pay users to use this content only as a starting point for further research and consultations. In case the automatically generated information to general questions does not provide the expected answers, the user has the possibility to enter into a live chat conversation with an employee (human operator).

4. Declarations and warranties

At the time of registration for the use of BT Pay, you declare and guarantee the following:

you have the right, authority and full exercise capacity (valid only for adult users) for accessing and using the application;
you are the holder of the cards issued by Banca Transilvania and / or issued by other financial institutions in Romania that you add to the BT Pay application;
you are responsible for how the persons mandated by you use the application, bearing any damages arising from their improper use;
you are required to maintain a phone unlocking method as long as the BT Pay application is installed on the phone;
you will not communicate the phone unlocking password/ security code to a third party, as by disclosing it you expose yourself to the risk of the cards being used for payment by other persons. You are solely responsible for maintaining confidentiality and keeping safe the data entered in the BT Pay application and the phone unlocking password/ BT Pay security code. Furthermore, you are responsible for activities of any nature that take place in your account;
if you have chosen to activate biometric data for authentication in BT Pay, you will not allow the registration on the phone of biometric data – fingerprints or face ID – fingerprints or face ID - belonging to other persons, considering that, in this case, accessing the application, respectively authorizing the transactions could be done with any of the biometric data added on the phone;
you will immediately notify us of any unauthorized use of the application installed on your phone number or of any breach of the security of the phone or login data in the application that you become aware of or that you should reasonably suspect.
you assume full responsibility in the event that the phone number entered / selected by you in BT Pay or the IBAN code entered, to which you ordered the bank to transfer / request sums of money, is incorrect or does not belong to the person to whom you intend to transfer / request the sum of money;
you assume full responsibility in the event that the phone number entered/selected by you in BT Pay, to which you ordered the bank to send the code necessary for cardless cash withdrawal, is incorrect or for which you requested the loading of a phone card, does not belong to the person to whom you intended to send the code/ to whom you intended to load the phone card or if this code was subsequently transmitted by the recipient to another person;
you assume full responsibility in case the phone number entered in BT Pay for recharging a phone card does not belong to the person to whom you intended to recharge the phone card or the phone card belonging to another person has been recharged;
you assume full responsibility for connecting to the Open Banking functionality, which allows for 90 days from logging into the respective application, through BT Pay, the display of certain financial information of your account opened at another financial institution, namely: balance, IBAN account, transaction history and details. You also assume the correctness of linking the account with the non-BT card enrolled in BT Pay, in order to correctly display this information.
you assume full responsibility for distributing, on any distribution channels, links and/or promotional messages of campaigns that may be carried out through the BT Pay application and guarantee to the bank that you will not abuse these distributions;
you will not communicate the OTP code received on your phone number to third parties for adding the card in BT Pay and / or unlocking various functionalities, implicitly permission for authorizing online payments;
you will notify us in case of loss, theft, unauthorized access, or theft of the mobile phone on which the BT Pay application is installed, as soon as you become aware of this situation. In the event of failure to fulfill the above-mentioned obligation, you assume full responsibility for any and all operations that unauthorized persons could perform through the Application or as a result of identification made through the Application installed on the phone number declared to the bank during a call to/from the BT call center or at a BT branch, including accessing any banking information or updating data;
you will uninstall the application if the phone on which you initially installed it no longer belongs to you or you no longer use it;
you will not falsify or provide incorrect information about your identity or intentions regarding anything related to the application;
you are responsible for the way you use the information generated by AI technology, provided as a response by the BT Pay chatbot to general questions asked.
you will not transmit, distribute or offer any information or materials that are wholly or partly illegal, false, fraudulent or inappropriate, offensive or that violate public order and good morals;
you will ensure and maintain the physical and logical security of the phone, according to the manufacturer's recommendations and good practices;
you will update the phone's operating system according to the manufacturer's recommendations and you will only use the official versions of the operating system provided by the manufacturer;
you will not disable the security protections of the operating systems recommended by the phone manufacturer;
you will install BT Pay only from the dedicated stores - Google Play Store, Huawei App Gallery or App Store, Romania, published by Banca Transilvania;
do not install applications from unofficial sources, as these could compromise the security of the application
you will ensure that any data entered into the application is accurate and complete;
you will not violate any rights provided by law, property rights, inalienable rights, the right regarding confidentiality or the personal data of others;
you will not use the application content to resell, distribute or use the services offered.
you will not distribute the offers from the BT Pay app.
you will not abuse and/or act in bad faith and/or fraudulently use the functionalities offered within the application;
you will access via BT Pay only accounts opened in your name in physical activity monitoring applications and you will keep the confidentiality of these data;
confirm that you have read the provisions of these BT Pay Terms applicable to you, that you agree with them and that you have acknowledged how the processing of personal data will be carried out according to the mentions in the Information Note on the processing of personal data within BT Pay (if you are an adult user), respectively according to the mentions in the dedicated Information Notes regarding the processing in BT PAY of the personal data of minor users;
by using the Application you will not violate any law or regulation of the country in which you reside and you are solely responsible for complying with all applicable local laws and regulations.

5. Termination or modification of BT Pay

Termination of the use of BT Pay by the user may occur in the following situations:

a) at the user's initiative , by uninstalling the application from your device.

b)from the bank's initiative, in case of violation by the user of the provisions of these BT Pay Terms;

c) when the business relationship ends between the client and the Bank.

Also, we can suspend or modify BT PAY immediately, for any reason, including when repair or maintenance work is required. We can periodically add new features and we are not obliged to offer any specific feature through BT PAY. We can withdraw BT PAY, but in this case we will notify you at least 30 days in advance.

We can modify these BT Pay Terms at any time by publishing the modified BT Pay Terms in the BT PAY application. In this case, users will be notified through the application and/or through another communication method using the contact details found in the bank's records at least two months before the effective date of the modification. From the moment of notification or, as the case may be, from the date indicated in the notification as the date from which these BT Pay Terms are modified, the updated version will apply to all users. By exception, the 2-month term mentioned in this section will not apply in the case of contractual changes imposed by the application of new legal provisions, in the case of changes regarding service costs, if they are more advantageous to the client, as well as in the case of introducing new functionalities in the BT Pay application, provided that these do not involve additional costs for users, do not affect their rights or obligations, and can be used exclusively as a result of the user's choice. In this case, the changes will apply from the moment of notification or, as the case may be, from the date indicated in the notification.

If you do not agree with the revised BT Pay Terms, you can uninstall the BT Pay application at any time, with immediate effect.

In case Additional Services made available in the application will be implemented, these services will be subject to the same rules and conditions contained in these clauses, in case they do not benefit from conditions distinct from these.

6. Intellectual property

The user expressly declares that they acknowledge that all graphic design, application content, and accessed audio-video materials are the property of the Bank. Exceptions are information and graphic elements belonging to other entities, which are the property of partners.

The user acknowledges that any software used in connection with the services offered in the application contains confidential and proprietary information, being protected by laws regarding intellectual property rights, industrial property and other applicable laws.

The user undertakes not to reproduce, not to copy, not to sell or exploit the services, information and/or audio-video materials to which they have access as a result of using this application, in part or in full.

The user is prohibited from modifying, copying, renting, transferring, lending, selling, distributing or creating derivative materials based on the services or programs used within the application.

7. What we are not responsible for

We provide BT PAY only for your personal use. Not all BT PAY services will work with all mobile devices.

You agree that the application will not be delivered without errors or continuously, that some imperfections will not be corrected at the time they appear.

The application user is responsible for the use of the application. Banca Transilvania cannot be held responsible for the effects generated by the use of the application by the user or third parties, for the costs generated by the use of the application, or for third parties accessing certain personal and/or confidential information or personal data through the application. To limit potential damages caused by the use of the application by third parties, Banca Transilvania will recommend not to transfer/loan the phone, not to disclose the device unlocking method/security code used for BT Pay, and not to offer the card to other persons.

Banca Transilvania cannot control the operating system of the phone used by you. Thus, Banca Transilvania is not responsible for any kind of damage caused to the mobile phone, including but not limited to any security breach caused by viruses, errors, fraud, forgery, omission, interruption, malfunction, delay in operations or transmissions, computerized lines or network failure, or any other technical malfunction produced.

Thus, we will not be responsible for any loss or damage that we or you could not reasonably foresee at the time you started using BT PAY or that is beyond our control.

Also, we will not be responsible for:

a, no loss or damage (moral or patrimonial) due to the non-compliance with the present BT Pay Terms;

b. cazul in care persoanele ale caror numere de telefon au fost introduse in aplicatie de dumneavoastra pentru realizarea unor transferuri pe baza de numar de telefon sau pentru transmiterea codului necesar pentru retragerea de numerar fara card reclama utilizarea acestei date de contact ce le apartine;

c. their content or services/discounts provided by STAR partners through the offers displayed in the BT Pay application, unavailability or outdated offers;

d. the association of the non-BT card enrolled in the application with the selected account, within the Open Banking functionality for the correct display of information.

e. the accuracy of data from applications, the availability or reliability of any information, content, made available by any third-party application, for example physical activity monitoring applications. As such, we are not responsible for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such third-party applications.

f. the health problems that could result from the use of these devices and applications, from the physical activity performed by the user.

g. any loss or corruption of your content or your other data, if such loss or corruption is not caused by us or is not under our reasonable control. We also bring to your attention that Banca Transilvania is not liable to you and/or to third parties for any kind of direct or indirect damages including, but not limited to, loss of profit, unrealized gains and/or missed business opportunities or any other similar losses suffered by you as a result of the unavailability of the application and services or the inadequate quality of the services.

8. Applicable law

The terms and conditions of use of the BT Pay application, as presented in this document, are and will be governed and interpreted in accordance with Romanian law.

In case of any conflict / misunderstanding related to the use of the application, we will try to resolve the respective conflict amicably, the negotiations in this regard being governed by good faith.

All disputes shall be resolved in the competent courts of the municipality of Cluj-Napoca, except in cases where the applicable law specifies another exclusive jurisdiction for you.

Specific provisions for USA users of BT Pay

If you are a US user of the BT Pay application (a user whose identity documents used within the identification/authentication process through the application were issued by the competent authorities of the United States of America), by accepting these Terms and Conditions you agree that:
(i) any complaints/dissatisfactions relating to the processing of your personal data (such as, but not limited to, biometric data) by the provider/third party service provider of identity verification services whose solutions are used within the aforementioned application (hereinafter referred to, for the purposes of this clause, as Onfido) SHALL NOT be subject to lawsuits/class actions submitted for resolution to the courts of the United States of America;
(ii) any complaints/dissatisfaction regarding the processing of your personal data mentioned at point (i) will be subject to an individual arbitration procedure;
(iii) the settlement by arbitration of any complaints/dissatisfactions regarding the processing of your personal data mentioned in point (i) in accordance with the provisions of point (ii) will be carried out in strict accordance with the arbitration procedure established by the provider/third party service provider of identity verification services (Onfido) as will be communicated by them.

9. Assistance

If you have any problems related to the operation of BT Pay, you can contact us at the email address: contact@bancatransilvania.ro or at phone numbers:

*8028 Callable from any national network, fixed or mobile, 24 / 7 support
0264 308 028 Callable from any network, including international, support 24 / 7
or through the Chatbot, from the contact section of the Application.

10. Force Majeure and the Fortuitous Case

Transilvania Bank is not liable to the user for the failure to fulfill any obligation in the event of force majeure / fortuit event and, in general, in the case of an event beyond its control, as well as for the operation and connection of other national or foreign networks and for their activities and actions in general.

Case of force majeure / fortuit event can be, for example but not limited to: state of war (whether declared or not), armed conflict, revolution, insurrection, military or terrorist actions or threats, sabotage, civil disturbances, strikes or other actions in the labor field, laws, regulations, decisions or directives, natural disasters, earthquake, fire, explosion, solar or meteorological disturbances, public emergencies or any other event that is beyond the bank's control.

Press the button below, if you agree with the use of BT Pay under the conditions mentioned in these BT Pay Terms and in Information note regarding the processing of personal data in BT Pay– if you are an adult user, respectively – if you are a minor user - in Information note on the processing in BT PAY of the personal data of minor users over 14 years old or, as the case may be, from Information note regarding the processing in BT PAY of personal data of minor users attached to the parent's account.

Terms and conditions of use of the BT Pay mobile application

1. BT Pay and acceptance of the use of the application

2. How do you access BT Pay?

3. What can you do in BT Pay?

4. Declarations and warranties

5. Termination or modification of BT Pay

6. Intellectual property

7. What we are not responsible for

8. Applicable law

9. Assistance

10. Force Majeure and the Fortuitous Case