MobilePay private user
terms and conditions

1 The service

The MobilePay app (the “App”) is provided by Vipps MobilePay AS and branches ("Vipps MobilePay",  ”MobilePay”, “we” or “us”). You can find more information about using the App on our website: www.mobilepay.dk.

2 Entering into the agreement

2.1 The agreement and the parties
By signing up to the App and accepting the MobilePay private user terms and conditions (“Terms and Conditions”) you are entering into an agreement with:

Vipps MobilePay, branch of Vipps MobilePay AS Norway, organizational number: 43300946. Our e-mail is mobilepay@mobilepay.dk. Our telephone number is: (+45) 70 80 39 00. 

The Terms and Conditions apply to users in Denmark and in Greenland. It is the user’s residential address at the time of entering into the agreement that determines if references to applicable legislation, regulatory requirements and authorities are to be understood as a reference to Danish or Greenlandic legislation, regulatory requirements and authorities.

If you, as a Faroese user has had residential address in Denmark (and Danish CPR-number) and changes address to Faroe Islands, you will be considered as a Danish user.

The Terms and Conditions are provided in Danish. This English version of the Terms and Conditions is a translation for your convenience only. In case of discrepancy or conflict, the national language version shall take precedence.

We need certain personal information in order to activate your agreement and therefore you automatically accept our processing of your personal data by registering to our payment service. If you object to processing, this will lead to termination of your agreement. See our Privacy Notice for further details: here

2.2 User registration 

Before you start using the App, you must create a user profile. When registering the first time, you will have to identify yourself by completing our registration procedure. We will use your personal identity number to identify you and may retrieve information about you from a central public registry.

You are obliged to identify yourself further if this is required by the applicable law for us to be able to comply with requirements in terms of the anti-money laundering regulation and requirements to know our customers (KYC).

Your personal identity number can only be linked to one user agreement.

Please note that when you link a payment card to the App, you will need to use the authorization means required by your card issuer, for example 3D Secure.

2.3 Requirements to use our services

To be able to use our services, you must have read, understood and accepted the Terms and Conditions, including the following requirements:

• You must have a Danish personal identity number (CPR-number). Please note: If you have a protected name, you will be required to scan your passport for verification of your identity.
• You must verify your identity with strong electronic identification means, MitID.
• You must have a payment account in your name in a Danish, Faroese or Greenlandic bank for receiving payments through the app. This bank account may also be used for payments (“Funding Source”) depending on the agreement between your bank and Vipps MobilePay.
• You must have at least one debit or credit card issued to you by a Danish, Faroese or Greenlandic bank. This card may be used as a Funding Source. 
• You must have a device with a Danish or a Greenlandic telephone number modified for use in Denmark.
• You must have a valid e-mail address.
• You must be at least 13 years old. If you are below 18 years, you can only transfer money which is at your disposal. If you are below 15 years, your parents/guardians must consent to that we are processing your personal information to be able to provide our services to you.
• We must approve you as a user. 
• The App must be downloaded from an app store and can be used on devices with iOS and Android (provided Google Play Services are available) operating systems. We reserve the right to set requirements to the device’s operating system.

You must provide the information and documentation requested by us to become a user of the App to allow us to fulfill our obligations in accordance with applicable legislation in terms of anti-money laundering (KYC) for example.

Please note: The App is based upon sharing of users’ telephone numbers. Your full legal name will be displayed to other users and selected merchants when you use the App. You can read more about this in the relevant section for the specific products. If someone has access to your telephone number and enters your number in the App, your full legal name will be displayed to those made a search with your number before a transaction is executed. This also applies if you have disabled displaying your telephone number at providers of telephone numbers or have a secret telephone number. Any picture you choose to upload to your profile will also be displayed.

You may link a company card to your App if the card has been issued to you. You are responsible for ascertaining whether your employer permits you to link the card to your App and whether you are using the card in accordance with the terms and conditions that apply to your company card. Please note, that the requirement that the App must only be used for your private purposes still applies.

3 Use of our services

3.1 Use of the App
Your App is personal and may only be used by you. You must not disclose your passwords to others, write them down or save them on your device.

You can only be active at one device at a time. You need to verify your identity if you log in to a second device.

You can block other users from interacting with you in the App. The blocking has effect across all products and functions in the App. This means that a user that you have blocked will not be able to transfer funds to you, send you messages and the like.

3.2 Limits

We have set maximum limits for using our payment services and also limits applicable on specific products.  You will find the limits on our website: here. The limits only apply to payment services provided to you by Vipps MobilePay in the App, not card pass through, where Vipps MobilePay doesn’t execute the payment but solely delivers your tokenized card details to the payee’s payment service provider.

We may also set maximum amounts or other indicators that will trigger additional security requirements, for instance 3-D Secure.

3.3 Change of telephone number 

You must delete your profile and register as a new user when you change your phone number. You can do this in the App, or by calling us if you no longer have access to your device. 

Please note: you will not have access to your transaction history in the App after you have deleted your profile. You also lose created payments agreements and access to box. You can contact us and request your transaction history. You must redeem funds in a box before deleting your profile.

4 Your responsibilities

4.1 Provide information
You must ensure that the information you provide is complete, correct and updated at any given time, including name, e-mail address, address, telephone number, card number and account number.

4.2 Personal code – PIN
You must create a personal code ("PIN") when you register as a user. Your PIN must consist of four digits and must be different from your other PINs. You must not disclose your PIN to anyone. You are responsible for ensuring that no-one else will gain access to your App. You must notify us as soon as possible if anyone gets access to your PIN.

4.3 Your device
If your device is stolen or lost, or if you suspect misappropriation or unauthorized use of the App, you must notify us as soon as possible. We may then block the use of the App until further notice. 

4.4 Restrictions on your use of the App
You may not use the App for:

1. illegal activities or violation of the Terms and Conditions, 
2. activities or other purposes that we deem to be morally or ethically questionable or which could harm our business, image or brand,
3. commercial or business purposes, including public collections,
4. public fundraising campaigns without our prior written approval, 
5. anything that entails risk of money laundering or terror financing, 
6. anything that other users perceive as harassment, offensive or insulting acts, for example if you send inappropriate messages to another user.

You must not use the App on a jailbroken/rooted device, since this entails a risk of misuse of the App.

You must not use the App for payments if you are aware that there are not sufficient funds for the payment.

It is deemed as a material breach of the Terms and Conditions if you do not comply with the above-mentioned requirements. This gives us the right to terminate the agreement without notice period (see below regarding termination).

4.5 Checking your payment transactions

You must regularly check your payments and other transactions made with the App or with your payment card via the App. If you notice transactions that do not match with what you have approved, which you don’t think you have made, or if you observe that someone has incorrectly transferred money to you in the App, you must notify us as soon as possible.

5 Right to withdraw from the agreement

You have the right to withdraw from the agreement within 14 days after registering as a user in accordance with applicable consumer regulation. 

Your right to withdraw starts from the day when you receive the service as agreed. Otherwise, the withdrawal period runs from the day you receive the required information. If the last day of this period is a Saturday or Sunday or a public holiday you may exercise your right of withdrawal on the following weekday.

Please note: If the agreement has been fully performed by both you and us at your express request, the 14 days’ withdrawal period will expire at this point in time. This will be the case when you have used our services.

Once the right of cancellation period has expired, the agreement may be terminated in accordance with the Terms and Conditions.

If you wish to cancel the agreement, you can simply call us, write to us by email or use the withdrawal form on our website. You find the required information in Greenlandic at the end of the Terms and Conditions.

The rules in the Purchase Act can apply to our services.

6 Blocking

You must contact us as soon as possible to block your App if:

• The device with the App installed, SIM card and/or the linked payment card(s) is lost or stolen – or if you suspect this.
• You discover or suspect misappropriation or unauthorized use of your App.

You can request blocking your App around the clock by calling us on (+45) 70 80 39 00. We will send you a confirmation containing the reason, the date and time of the blocking. Please note: outside normal business hours we provide support in English.

We may block your access to use the App with immediate effect for security reasons and/or on suspicion of unauthorized use, including if:

• Any card or account linked to App is closed or blocked.
• The Terms and Conditions are not complied with and this entails risk to security or risk of unauthorized use.
• There has been unauthorized or suspected unauthorized use of the linked telephone number, and this entails a risk of unauthorized use of your App.
• There has been unauthorized or suspected unauthorized use of your App by a third party.
• You have received money via the App without authorization by the user from whom the money has been transferred.

If we block access to your App, we will notify you in advance of the blocking and the reason or, if this is not possible, immediately afterwards, unless the notification would prejudice security.

We may also block your access to the App with immediate effect if you do not provide the information that is required from you in accordance with applicable legislation, as mentioned above regarding Your responsibilities, and the Terms and Conditions.

We may in addition block your access to the App without notice if according to our assessment you are directly or indirectly subject to national or international sanction regimes.

7 Duration and termination

You may terminate your agreement with immediate effect in the App or by sending us an e-mail or calling us. Deleting the App is not considered as termination.

We may terminate the agreement with two months’ written notice. 

If you breach the agreement, we may terminate the agreement with immediate effect. We may also terminate the agreement with immediate effect if we have an objective and reasonable reason for termination.

If you have not used your App for six months, we reserve the right to terminate your agreement.

Our termination must be based on objective reasons, and we will provide you with information of the reason.

8 Our right to change the agreement

We may change the Terms and Conditions. 

We may change the Terms and Conditions without prior written notice if the changes are not to your disadvantage. If you do not wish to accept such changes, you can terminate the agreement.

If the changes are to your disadvantage, we will notify you at least two months before the changes take effect. If you do not wish to accept such new terms and conditions, you must notify us before they enter into force. If you notify us that you do not wish to be governed by the new terms and conditions, we will consider this as an immediate termination of the agreement. If we do not hear from you, we will regard this as your acceptance of the new terms and conditions.

The applicable terms and conditions will be available in the App and on our website.

9 Prices

Vipps MobilePay does not charge a fee for payments nor for use of payment card via the App – but the merchant with which you shop may charge a fee. Your card issuer may charge a fee for your card use. The same applies if the bank with which you have a linked account charges a fee for use of the account.

Sending a Money gift incurs a fee that you are informed of before accepting to transfer the Money gift to the receiver. See info regarding prices on our website.

Using box incurs a fee (see section regarding box below).

If we introduce new functions, features, products or services, these may be subject to fees/pricing from launch. You will always be informed about a price/fee before you use the function, feature/product.

 

10 Our customer due diligence

Vipps MobilePay is subject to, amongst others, the anti-money laundering regulations. We therefore have a duty to apply customer due diligence measures when establishing customer relationships and in the ongoing monitoring of existing customer relationships. This may include investigations concerning use of the App. If required by us, you must provide additional information about use of the App. If you fail to give us the required information, or if satisfactory customer due diligence cannot be carried out for other reasons, we may reject or terminate your agreement with immediate effect.

Due diligence information will be used to prevent, reveal and examine money laundering and terror financing; and where applicable, initiate criminal investigation of money laundering, terror financing and predicate offenses.

11 Communication and languages

By entering into the agreement with Vipps MobilePay you acknowledge that the agreement is executed electronically and in Danish You will receive all information and notifications electronically, either in the App or to the telephone number or e-mail address provided by you. You can at any time contact us and receive the Terms and Conditions via e-mail or on paper. Please note: Our blocking support is in English outside normal business hours (see section about Blocking).

12 Privacy

In order to enable you to use the App and our other services, Vipps MobilePay needs to receive, use and store some of your personal data. Most of this data is provided by yourself in the App when you register as a user and is generated when you use the App. We have a separate Privacy Notice which you can find here.

13 Supervisory authority

Vipps MobilePay has an authorization to provide payment services and is subject to supervision by Finanstilsynet (the Financial Supervisory Authority of Norway), P.O. Box 1187 Sentrum, N-0107 Oslo (www.finanstilsynet.no). 

Vipps MobilePay is also subject to supervision by the data protection authorities. You can reach out to the authority closest to you, e.g. www.datatilsynet.no, www.datatilsynet.dk or www.tietosuoja.fi.

The Danish Financial Supervisory Authority has registered Vipps MobilePay’s license as a branch under Vipps MobilePay AS under FSA no. 22315 (www.finanstilsynet.dk). 

The Financial Supervisory Authority in Norway monitors compliance with Vipps MobilePay’s authorization to provide payment services, including issuing electronic money. The Danish Financial Supervisory Authority, the Consumer Ombudsman (www.forbrugerombudsmanden.dk) and the Competition and Consumer Authority (www.kfst.dk) supervise compliance with certain statutory provisions under the Danish Payments Act (Lov om betalinger). 

For Greenlandic users, the Greenlandic Consumer and Competition authorities supervise compliance with certain consumer-related statutory provisions under the Greenlandic marketing practices law.

14 Our liability

Vipps MobilePay shall execute payments in accordance with your instructions. We are liable for late or defective performance of our contractual obligations resulting from error or negligence. We are not liable for any indirect or consequential damages.

We are not liable for losses arising from circumstances beyond our control, which we could not reasonably be expected to have foreseen or avoided, such as 

• Breakdown of or lack of access to IT systems or damage to data in these systems attributable to any of the events listed below regardless of whether we or a third-party supplier is responsible for the operation of these systems: power failure or breakdown of power supply system or telecommunications, statutory intervention or administrative acts, war, revolution, riot, civil unrest, sabotage, terrorism or vandalism (including virus attacks and hacking).
• Strikes, lockouts, boycotts regardless of whether we  is itself a party to or has started such an industrial dispute and regardless of its cause.
• Other circumstances beyond our control.

Vipps MobilePay is not exempt from liability if we are liable under applicable law for the cause of the loss under any circumstances.

We are also liable for losses arising when payments have not been approved by you, provided that the terms and conditions are fulfilled in accordance with Section 4-30 of the Financial Contracts Act.

We are not liable for errors by you in making a payment in the App. For example, we are not liable if the recipient, telephone number or amount is incorrect. We are not liable for the content of invoices sent via the App. 

We are not liable for any defects or deficiencies in goods or services for which you pay using the App or for sellers conduct in general. We are not liable for the fundraising campaigns to which you make contributions using the App. If you have any complaints regarding the delivered goods, services or fundraising campaigns, you must contact the seller or the fundraiser.

Vipps MobilePay' obligations under the Terms and Conditions - including the duty to execute payment orders - shall temporarily not be applicable if circumstances arise which are beyond our control, which we could not reasonably be expected to have foreseen or avoided. The same applies to circumstances which are due to statutory obligations or pursuant to law.

15 Governing law and venue

This agreement is governed by Danish law, without regard to conflict of law principles. 

Disputes must be heard by Copenhagen District Court or the jurisdiction of the defendant’s domicile unless otherwise provided by absolute consumer rights in the country of residence of a consumer. 

16 Complaints

You can always contact our customer service if you disagree with us. If you still disagree or are dissatisfied with the result, you can contact the complaint responsible at klage@mobilepay.dk. 

You can file a complaint with the authorities supervising Vipps MobilePay’s compliance with amongst others the payment service regulation (see section above regarding Supervising Authorities).

You can get guidance on your rights by contacting Consumer Europe on www.forbrugereuropa.dk.

If you are residing in EU or Norway, you can file a complaint with the European Commission’s European Online Dispute Resolution (ODR) platform. If you contact ODR, it will be helpful for you to state that our complaints department can be contacted at klage@mobilepay.dk. 

17 Intellectual Property Rights

All trademarks, copyrights and other intellectual property rights related to the App, including all services, products and features, are the sole property of Vipps MobilePay or our licensors. You must not copy, display, assign, publish or otherwise use our intellectual property in any way whatsoever, except to the extent necessary to use the App as provided in the Terms and Conditions.

18 The Guarantee fund

Vipps MobilePay services are not covered by a guarantee fund. Your bank account is normally covered by a guarantee fund.

19 Paying with our payment service in the App (not card pass through)

19.1 Payment types
For avoidance of doubt, this section governs paying with the Vipps MobilePay payment service included in the App.

When you have confirmed a payment order in the App, you authorize Vipps MobilePay to carry out the payment on your behalf. You can use our payment services in the following ways:

• Sending money to other users or a box belonging to either yourself or another user.
• Paying at merchants, clubs or associations accepting MobilePay either online or in physical stores.

We will authenticate you when you consent to payments in the App. Depending on your use of the App, the amount and previous purchases, you may be asked to carry out additional security measures, such as MitID.

You receive a confirmation in the App after executing the payment with a reference to identify the transaction, information about the payee, the amount and the date. 

You can view details of your transactions in the App. The Merchant can make additional information available after you have executed a payment (see below regarding Order management). 

You are able to request an extract of your data by contacting us. 

You pay with a payment instrument issued by Vipps MobilePay when you transfer money to other private users or a box and when you pay to merchants in physical trade or ecommerce. Please note: It is also possible to pay with your payment card as the payment instrument via the App. This payment is a card payment and will be executed by your card issuer and the merchant’s payment service provider without involvement by Vipps MobilePay (see Section 23 regarding card pass through). 

19.2 Execution of payments

An approved payment will be immediately visible in both the payer's and payee's App, even if the payment has not yet been settled to the payee's account.

As a general rule, the maximum transfer time for payments with our payment service in the App is one business day (i.e. a day on which the payer’s and the payee’s payment service provider are open for business). It may take up to several days before you can see the transfer from your Funding Source to Vipps MobilePay in your account statement.

When you pay with a payment instrument issued by Vipps MobilePay, you consent to that we can withdraw the amount from your payment card, a payment account connected to your payment card or your sender account, if you have selected the sender account as Funding Source. This means that an electronic payment transaction will be made from your payment card or your sender account to us, provided that your card issuer or your bank approves the request for payment. The swipe in the App is the consent.

We settle the funds to the payee’s payment account. Any fees payable to, for example, the merchant, your card issuer or your bank may also be deducted from your card or your account via the App.

If you have chosen to link a card for transfer of money in your App, Vipps MobilePay requests authorization from your card issuer. If your card issuer rejects the payment, the transfer to Vipps MobilePay is rejected. If you have linked a co-branded card e.g. Visa/Dankort to the App, we will decide which part of the card the authorization applies to. This means that for e.g. a Visa/Dankort, we decide if the transfer from your card to us is made as a Visa or a Dankort transaction.

We may transfer the amount directly from your bank account if you are a customer of a bank that has entered into an agreement with us and you have linked a payment card issued by the bank. The same applies if you have selected a sender account as Funding Source.

If the transfer to the payee’s payment account is returned from the payee’s bank, we will try to transfer the amount to the payee for a period of 15 calendar days. If this fails, we will refund the amount to your (i.e. the sender’s) payment account.

We are responsible for the security of your payment card data that we possess or otherwise store, process, or transmit on your behalf.  

19.3 Revocation of a payment transactions that you have authorized

After you have approved a payment, you cannot revoke it. Under certain circumstances, however, you may be entitled to a refund (see below).

19.4 Rejection of payments

We are not obliged to execute payments if there are not sufficient funds or which cannot be executed due to legal or contractual obstructions. For example, we will reject payment requests in the event of suspected unauthorized use, fraud, money laundering or terror financing. We will notify you of the rejection/non-execution in the App if this is in accordance with applicable legislation.

It is not allowed to use the App to pay for stakes related to participation in betting games, wagers or other forms of gambling which are not permitted in accordance with applicable legislation. If such use is suspected, the payment will be rejected. 

Any actual or suspected misuse as described in this provision can be regarded as a material breach of the Terms and Conditions and entitles us to terminate your agreement. 

19.5 Refunds
If you use our payment services in the App to pay for goods or services, but subsequently agree with the merchant that you are entitled to a refund, or if the purchase is annulled for any other reason, we will execute a refund based on a valid request by the merchant. 

19.6 If you did not know the final amount when authorizing the payment
If you did not know the final amount when accepting the payment with our payment service in the App and the amount subsequently charged exceeds what you could reasonably expect based, for example, on your previous spending pattern, you may be entitled to have the payment reversed. 

If you believe that you are entitled to a refund of a payment for which you have not approved the final amount, you must contact us no later than eight weeks after the amount has been debited. Once we have received your claim, we will examine the matter. You will hear from us no later than 10 working days after receival of your request. 

19.7 Reversal of unauthorized payments
If you believe that a payment has been made with our payment service that you have not authorized, you must contact us and dispute the payment as soon as possible. The rules on disputes are determined by the applicable payment regulation which can be summarized as follows: 

• You are obliged to protect your code that provides access to the App and not give other people access to your App/device.
• You must contact us without delay if you suspect that others have access to making payments with the App. 
• You must contact us as soon as possible, and no later than 13 months after the debit date, when you become aware of transactions or use that you have not approved.
• When we assess your claim, and whether you have contacted us in due time, we assess whether you have checked the transactions continuously as required.
• We assess your liability in accordance with applicable legislation.
• Once we have received and examined your claim, we will deposit the amount to you at the latest by the end of the following business day, if we do not have reasonable suspicions of fraud. If your claim proves to be unjustified, we will debit the amount from you.
• We must document that the payment has been approved, correctly registered, and accounted for, and not affected by any technical failure or other error.

If you suspect that you may have been exposed to a criminal act in connection with a payment, we can require that you report the matter to the police when assessing your claim.

If you are under 18 years, your liability will be assessed in accordance with applicable legislation regarding minors and incapable parties’ liability and possibility to enter into agreements and the applicable payment legislation. 

If you are above 18 years, your liability and responsibility is determined in accordance with the rules on liability in the applicable payment regulation which is reproduced at the end of the Terms and Conditions. The wording of the applicable law will apply in case of discrepancies. 

19.8 Refunds in distance agreements
If you have paid for a product or service in distance selling where you are allowed to pay with the App, you may have the right to have a payment reversed under specific circumstances in accordance with the applicable rule in the Payment Act which is reproduced in the end of the Terms and Conditions. If both the buyer and the seller are consumers, the before-mentioned does not apply.

20 Payment transactions to/from private users

20.1 Make person to person payments
When making payments to other private users of the App, you can enter the recipient's telephone number in the App or find the name in your list of contacts on your device. If the recipient (payee) is not our registered user, the payment will not be processed. 

When you use the App to make a payment to other users, you must make sure that the telephone number you enter is correct.

Please note: When you pay to other users, your full legal name, telephone number, profile picture and any message to the recipient is shown in the recipient's App. 

You can receive payments for private purposes from other users with the App. 

You can also use the App to request payments from other users. You may only do so if you have an agreement with the other user about the request. Any misuse hereof will be regarded as a material breach of the Terms and Conditions which entitles us to terminate your agreement.

Payment transactions and payment requests from other private users may also be initiated via a third party service, for example via a platform where private individuals sell goods to each other. 

20.2 Send gifts
When sending money to another private user with the App, you can choose to send the money as a money gift with additional features compared to a person to person payment such as personalized digital wrapping and/or scheduled delivery. 

The maximum period for scheduling a Money gift is three months. You can cancel a scheduled money gift before the delivery date. We will only execute the scheduled Money gift if there are sufficient funds available at the time of delivery.

Sending a money gift with added features can incur a fee.

We reserve the right not to make all additional features available at all times due to technical circumstances. You can see the available features in your App.

A money gift payment will be executed by us the same way as a regular P2P payment. Both the amount of the money gift and the fee will be debited from your Payment Source when the money gift payment is executed. Money gifts will be visible in the payment history in the App of the giver and receiver.

20.3 Collect funds with the box
Box is a product based on electronic money (e-money). The owner of a box and other users can transfer funds to a box. When the user transfers funds to a box, Vipps MobilePay issues e-money to the user in continuation of the purchase. The owner of the box can use e-money from you’re the box to send money to other users and to pay to selected merchants. Whenever you use e-money from your box it will be converted to regular scriptural money and transferred to the receiver. 

After you have authorized a payment using e-money you cannot revoke it. 

Transferring funds to a box incurs an administration fee: 
For every DKK 1.000 in a box a fee of DKK 19 is automatically withdrawn from the box. 

Funds in a box are not deposits. You do therefore not receive interest on the e-money amount in a box.

If you are below 18 years, you may only use box with your parent’s/guardian’s consent. 

The owner of a box can pay out (redeem) e-money in a box at any time in the App. You can close your box at any time in the App. Your e-money amount must be redeemed before your box can be closed. You must redeem funds in a box before closing your agreement/before deleting your profile.

If we close a box or terminate your user agreement, for whatever reason, amounts in the box will be paid out to you. 

If we have a reason to suspect that the funds used to buy e-money are connected to fraud or unauthorized payments, or do not belong to you, we may withhold your e-money to cover any claim we may have against you in this respect. 

We will automatically share the box number, your full legal name and phone number with the users who are sending money to your box or receiving money from your box. If you pay to a merchant using funds from a box, your full legal name and the last four digits of your phone number are displayed to the merchant.

Please note: An owner of a box can give other users access to see a box that the user owns, including balance and transactions, in their App (‘viewing access’). This applies to all users (also to third parties outside a private group for example). Users with viewing access can see the following information of all payments in and out of the box:

• full legal name of users who transfer funds to the box or receive funds from the box (phone numbers will not be shown to users with viewing access)
• date of the transaction
• amount of the transaction 
• any message connected to a transfer money to the specific box. 

As the owner of a box, you are responsible for whom you give viewing access to. You shall manage users with viewing access on an ongoing basis, including removing users who should no longer have viewing access to your box.

When you choose to transfer funds to a box you acknowledge that the owner of the box can give other private users access to the transaction history of the box and thereby expose the above-mentioned information. 

20.4 Share expenses
You can calculate and share expenses in the App with the settlement-functionality. Settlement is a calculation-tool for sharing expenses and not a payment service.

Private users can participate in Settlement-groups. The calculations are made automatically when users share expenses in the group. All users in a group can share expenses and choose the currency for the expense, settle expenses equally or unequally, share messages and follow the expenses in the group. 

Please note: Your full legal name will be shown in groups that you are a member of (also in older expenses and settlements).  

If you choose to add an expense in another currency than your local currency, the currency conversion will automatically be made into your local currency based on applicable currency rates. 

You are responsible for the expenses, calculations and settlements that you make with the Settlement functionality. 

If you decide to settle a payment that is calculated with the Settlement functionality, the payment is made as an ordinary person to person payment transaction with the App. Any expenses calculated with the Settlement functionality and settled in the App will affect your limits.

Vipps MobilePay assumes no liability for errors or other omissions due to calculations made in the App nor for any losses that may arise as a result of dispositions made on the basis of these calculations. We assume no liability for possible differences in currency exchange rates. 

20.5 Send gift cards
Vipps MobilePay facilitates sale of gift cards purchased from third parties (“Seller”) via the App. Vipps MobilePay acts as an intermediary of the Seller’s gift cards. During the purchase you will get information about the Seller and must accept the Sellers terms and conditions. 

Gift cards bought via the App are subject to the Seller’s terms and conditions. The validity of the gift card and conditions for a possible redemption and withdrawal are determined by the Seller. 

We do not have any liability for defects in gift cards bought via the App nor any liability for defective goods or services for which you have used a gift card bought via the App.

Gift cards are stored electronically in the App. If your user agreement is blocked or closed, it will not be possible to access gift cards in the App.

The gift cards that you have received, whether they are used or not, can be found for a minimum of 13 months after the expiry of the gift card in the App.

We reserve the right not to make the personalized gift cards available in the App due to technical circumstances.

21 Merchant services

You can pay with the payment instrument issued by Vipps MobilePay to merchants in physical trade and online on a merchant’s websites and in a merchant’s apps. 

21.1 In-store payments to a merchant without cash register 
Merchants can receive payments made with our payment services in-store where the user is physically present. The user can start the payment by finding the merchant’s short number/profile in the App or by using a QR code. When you use our payment services to make a payment to a merchant in this way, you must verify that the merchant’s profile corresponds to the information you have received from the merchant before confirming the payment.

You can enter the amount based on goods/services that you select, or the amount can be based on goods/services that you choose from the merchant’s pre-selected shopping basket.

Please note: When paying to a charity organization’s number/profile, the charity organization will automatically receive your full legal name and your phone number. 

With respect to donations you will in some occasions be requested to give your personal identification number to the recipient/the organization so that your donation can be reported by the organization to the tax authorities to request for you a tax deduction if you qualify for such a deduction. Please note that it is the organization, and not Vipps MobilePay, who is responsible for reporting your donation to the authorities.

21.2 In-store payments to a merchant with a cash register 
Selected merchants are able to send payment request from the store’s cash register to your App where you can accept the payment. You must verify that the amount requested by the merchant is correct before confirming the payment.

Merchants can also request payments from unmanned vending machines.

21.3 Online payments and in-app payments to a merchant
When you purchase goods or services from a merchant online and in a merchant’s app, the payment instrument issued by Vipps MobilePay can be used as means of payment. 

The amount and recipient (the merchant) will be specified in the app, which you must confirm to complete the payment. When you use the App in this way, we will convey the amount and any message you write to the recipient along with a transaction ID.

This way of paying to merchants can also be used for paying amounts based on an invoice from a merchant. An invoice payment will appear on your transaction history with this specific merchant.

When you pay to merchants online and in merchant’s apps, this is a payment with the payment instrument issued by Vipps MobilePay. Please note: that you can also execute payments via the App where the payment card stored in the App is used as the payment instrument (see section 23 below regarding card pass through). 

21.4 Easy login
Login is a service where you can choose to share your information from the App with a merchant (e.g. name, address, date of birth and phone number). Sharing information requires your consent (see also section below regarding data sharing with merchants). 

When you have shared information with the merchant, and are registered in the merchant’s service, you can log in to the merchant’s service without a new approval in the App.

You can also choose to be remembered in the web browser. If you accept to be remembered in the browser, you will subsequently be able to sign up and log in with merchants that offer our login functionality, without having to confirm the log in in the App.

When you make any update to your personal information in the App, we will share this automatically with the merchants that you consented to share data with.

You will always be able to see and accept the specific information that is shared with the merchant before you consent. You can see what merchants you have shared information with and what browsers remember you and withdraw consents in the App.

To prevent other persons getting access to your data, you must make sure that: 

• The device used for Log in is stored securely.
• The device used for Login is secured sufficiently with screen lock or similar security measure.
• The device used for Log in is not shared with others or otherwise used by others.
• You remove Login if the device used for Login is lost or stolen by calling us.
• You do not use Login on shared devices.

We use cookies to provide Login. Login also uses a security solution that retrieves information about your browser to confirm that the cookies have not been copied or changed. The information and the cookies will not be transferred to any third parties.

You are deemed to have accepted the use of cookies as long as this functionality is turned on in your browser. If you turn off cookies, Login will no longer work.

To be able to recognize your device, we use a cookie with a unique value. The value has been randomly generated, and others cannot deduce your identity from it. We are the only party to have this link to your identity, and this information is protected by high data security and access requirements.

Login will analyze information about your browser to increase security. Such information includes different properties that can be retrieved using standard technology (known as device fingerprinting technology).

Vipps MobilePay can also register and store other data about your use of Login to ensure your security and to counteract criminal activity. Such security data can include user behavior and the condition of the device. This data can only be used to detect deviations from normal values to counteract and, if relevant, follow up criminal activity targeting you and/or the merchant.

 

21.5 Making recurring payments to a merchant

You can link the payment instrument issued by Vipps MobilePay with payment agreements that you have with a merchant in the app. 

You hereby accept that the merchant can charge recurring payments from the Funding Source that you select, without you having to authorize each individual payment. The merchant charges the recurring payment in accordance with the agreement between you and the merchant.

You must be at least 18 years old to use Recurring payments.

We are not a party to the payment agreement, which is linked by you to be paid with the App, nor the agreement between you and the merchant on the goods/services you receive and pay for with the App. We do therefore not have any liability for any agreement between you and the merchant and for example missed or failed payments caused by our inability to charge the Funding Source registered in the payment agreement.

You can delete a recurring payment agreement in the App or on the merchant’s website. Deletion in the App is not the same as termination of your agreement with the merchant. You should therefore contact the merchant if you wish to terminate your agreement.

Please note: if your agreement with us terminates, you will no longer have access to your linked payment agreements in the App, and linked payments will no longer be made from the termination date. The same applies if the merchant’s agreement with us terminates.

21.6 Sharing information from the App with merchants
We may, when you use our services, in e.g. sign up, log in or payment situations, enable you to share information registered in your user profile with selected merchants, for the merchant to register you in their service; i.e. to deliver a service or product to you. In such situations the merchant will request the information they require, and you can choose if you consent to this sharing. We will only share the information registered in your user profile with merchants after you have consented to the sharing. The information requested will be stated in the consent dialogue.

Merchants will be able to request for example the following personal information:

• Full name
• Address
• Email address
• Mobile phone number
• Date of birth
• Account number

Only when necessary or based by law:

• Personal identity number

The merchant becomes an independent data controller of the personal information shared with it. This means that the merchant decides the purpose of the processing and becomes responsible for subsequent processing of your personal information.

When you have consented to sharing information with a merchant, we will provide the merchant with updated information when you use the merchant’s service and when you have updated your information. We will also store your consent to enable the merchant to get the same information about you if the merchant uses any of our other services, without you having to consent for each individual service. This is done since the merchant already has this information. If a merchant asks for additional information, you will be asked for a new consent.

You can see which merchants you have shared information with, and you can withdraw your consent at any time in the App. If you withdraw your consent, you will be asked for a new consent if you would like to use the service at the merchant at a later time. It is important to note that the customer relationship between you and the merchant does not change when you withdraw your consent to sharing information in the App. This means that your name, address, email address or phone number as requested and given consent for, may be stored by the merchant for its own purposes as an independent data controller.

22 Get additional information from the merchant

You can get receipt information connected to purchases in the App if the merchant provides the information. You must actively toggle on the feature in the App. You thereby get a better overview of your purchases, can store receipts for potential refunds with the merchant and for warranty services. 

The feature is not available for card pass through/PSP online payments.

In addition to required transaction information provided by us, order management information provided by the merchant may include information of purchased items, individual amounts, receipt number and if relevant shipping price, tips and discount.

Vipps MobilePay is defined as data controller for the receipt information we process about you and the merchant is responsible for data you share with the merchant in context of your purchase.  

Additionally, based on agreement between Vipps MobilePay and the merchant, we can share a link back to the merchant’s website where the merchant can display content that the merchant is responsible for. This can give you access to the following additional categories of information: booking, ticket, delivery information, order confirmation, receipt or other general information.  

23 Paying with card via passthrough (PSP/Online)

You can pay with your card as the payment instrument online via the App at merchants displaying that they accept MobilePay and your selected card type. 

Please note: that the payment is executed as an ordinary card payment, similarly to a payment where you have entered the card details yourself. Vipps MobilePay is not responsible for executing the payment transaction, since your payment card is your payment instrument for these transactions. 

When you pay with your card via the App, the conditions governing your payment card apply. You must contact your card issuer in case of disputes regarding such payments. You are responsible for complying with the conditions laid down by your card issuer.

The service converts your registered telephone number into the card details you have registered in the App. The merchant’s payment service provider can then execute the card payment. When an amount is debited to the payment card, the payment service provider requests authorization from your card issuer. Your card issuer decides whether the card payment can be made. The card issuer and/or the merchant may charge a fee for use of the card.

We will not send your telephone number to the merchant with which you have paid with your card via the App. However, if you provide information about your phone number to the merchant yourself, the store can send it to the App and you can see it as pre-entered in your App.

You cannot revoke an authorization given via the App.

24 Checkout

Checkout is a payment service provided by Vipps MobilePay to merchants, allowing supported payment instrument holders to make payments to the concerned merchants. For avoidance of doubt, you don’t need to be user of the App to make payment orders in our Checkout service. All payment transactions will be governed by the conditions applicable to the payment instrument you have selected for executing the payment and settled to the merchant by Vipps MobilePay or your bank. You can find the relevant information concerning Vipps MobilePay and our supervising authorities in Sections 2 and 13 of the Terms and Conditions. 

Checkout simplifies online purchases by helping you to fill in your contact and shipping information and choose your preferred shipping method. You can choose to pay with the payment options available in your App, payment initiation service provided by Vipps MobilePay, supported payment cards and/or a selection of other payment options, depending on the merchant and as available in your geographic area. 

You can also choose to be remembered across merchant’s web shops by toggling the “Remember me in this browser”-toggle. If you do this, we will store the information you have entered (for example name, phone number, email address, address and delivery address) in a browser, using cookies. 

To tie your information with a browser, we use a cookie with a unique value. The numerical value has been randomly generated, and others cannot deduce your identity from it. We are the only party to have this link to your information, and this information is protected by high data security and access requirements.

Appendix

Information about right to withdraw to Greenlandic users
Peqqissimisinnaatitaaneq pillugu paasissutissat
PEQQISSIMISINNAATITAANEQ
Isumaqatigiissutigineqartoq atuisut isumaqatigiissuteqartarnerannut inatsimmi § 17 naapertorlugu peqqissimissutigisinnaavat.
Peqqissiminissamut piffissaliussaq
Peqqissiminissamut ullut 14-init piffissaliunneqarsimapput.
Piffissaliussaq ullumit isumaqatigiissuteqarnernit naatsorsorneqartarpoq, s. i. isumaqatigiissummik
atsiornernit imaluunniit qinnuteqarnernit.
Atuisut isumaqatigiissuteqartarnerannut inatsit naapertorlugu paasissutissanik arlalinnik paasissutissinneqartussaavutit, ilaatigut peqqissimisinnaatitaaneq pillugu aamma kiffartuussineq qinnuteqaatigineqartoq pillugu. Paasissutissat taakku allaganngorlugit (s. i. pappialanngorlugit imaluunniit e-mailikkut) aatsaat tigugukkit peqqissiminissamut piffissaliussaq aallartissaaq.
Assersuutigalugu ataasinngorneq ulloq 1. qinnuteqaruit paasissutissallu taaneqartut tigusimallugit, taava ataasinngorneq ulloq 15. tikillugu piffissalerneqarputit. Paasissutissat kingusinnerusukkut aatsaat tigusimagukkit, assersuutigalugu pingasunngorneq ulloq 3., taava pingasunngorneq ulloq 17. tikillugu piffissalerneqarputit.
Peqqissiminissamut piffissaliussap ullua kingulleq arfininngornermi, sapaammi, nalliuttuni, inatsisitaarfimmi, juulliaqqami, ukiutoqqami imaluunniit qilaliarfiup kingorna tallimanngornermi pissappat, taava ulluinnarmi tulliuttumi piffissaliussaq atorunnaassaaq.
Peqqissimisinnaatitaaneq ullunik 14-inik piffissaliussap naanera nallertinnagu atorunnaassaaq, isumaqatigiissut illit erseqqissumik piumasaqaatit malillugu ilinnit aamma MobilePay eqqortinneqarsimappat. Tamanna amerlanertigut pisarpoq s. i. akiliilluni nuussinerni. TAKUUK: Taanna isumaqarpoq, MobilePayimi kiffartuussinerit siullermik atorsimagukkit, ilagalugit MobilePay atorlugu aningaasanik nuussillutit imaluunniit aningaasanik tigusaqarlutit, taava isumaqatigiissut peqqissimissutigisinnaanngilat.
Peqqissiminissamut piffissaliussaq naareerpat, taava isumaqatigiissut piumasaqaatit uku naapertorlugit taamaatinneqarsinnaassaaq.
Qanoq peqqissimisinnaavit?
Isumaqatigiissut peqqissimissutigigukku, taava piffissaliussaq nallertinnagu uunga (+45) 45 144 447 sianiinnassaatit imaluunniit MobilePay allallutit nalunaarutigalugu peqqissimisinnaatitaanippit atorneqarnissaa kissaatigalugu.
Nalunaarut taanna allaganngorlugu tunniukkusukkukku - assersuutigalugu allakkakkut imaluunniit e-mailikkut - taava nalunaarut piffissaliussap naanera nallertinnagu nassiutiinnassavat. Piffissaq eqqorlugu peqqissimissutinnut uppernarsaateqarnissat qulakkeerusukkukku, assersuutigalugu allagaq tammatsaalisatut nassiussinnaavat allakkerivimmillu uppernarsaat toqqorlugu.
Isumaqatigiissut peqqissimissutigisimallugu nalunaarut, uunga nassiunneqassaaq:
Ateq: Vipps MobilePay, filial af Vipps MobilePay AS, Norge, CVR-nr.: 43 30 09 46
Najugaq: Vester Søgade 10, 6. sal, 1601 København V
E-mail: mobilepay@mobilepay.dk.
Piumasaqaatit uku naalernerani paasissutissat kalaallisut nutsikkat, Kalaallit Nunaanni Atuisut isumaqatigiissuteqartarnerannut inatsit malillugu kalaallisut tunniussassat nassaarisinnaavatit.

The Payment Act 

"Liability and liability rules
 
§ 97. Objections to unauthorized or faulty payment transactions must be received by the provider as soon as possible after the payer has ascertained such a payment transaction and no later than 13 months after the payment transaction in question has been debited. The deadline is calculated from the time when the provider has communicated this information or made it available, if it has not been communicated in advance.
 
Stk. 2. Objections to unauthorized or faulty payment transactions that have been initiated via a provider of payment initiation services must be addressed to the account-keeping provider in accordance with subsection 1, cf. however section 99, subsection 2 and 3, and §§ 104 and 104 a.
 
§ 98. Where a payer refuses to have authorized or initiated a payment transaction, the provider of the payment service has the burden of proof that the payment transaction is correctly registered and accounted for and is not affected by technical failures or other errors, cf. however subsection 3. When using a payment instrument, the provider also has the burden of proof that the personal security measure belonging to the payment instrument has been used in connection with the payment transaction.
 
Stk. 2. Where a payer refuses to have authorized or initiated a payment transaction, registration of use of the payment instrument is not in itself evidence that the payer has authorized the transaction, that the payer has acted fraudulently, or that the payer has failed to fulfill its obligations.
 
Stk. 3. Where a payer refuses to have authorized or initiated a payment transaction initiated via a provider of payment initiation services, the provider of the payment initiation service bears the burden of proof that the payment transaction within its area of competence is correctly registered and accounted for and is not affected by technical failures or other error.

§ 99. The payer's provider of payment services is liable in relation to the payer for losses as a result of unauthorized payment transactions, cf. § 97, unless otherwise follows from § 100. In the event of an unauthorized transaction, the payer's provider must reimburse the payer immediately and at the latest at the end of the following working day the amount, unless the payer's provider has reasonable grounds to suspect fraud and notifies the Danish Financial Supervisory Authority of these grounds.
 
Stk. 2. Where an unauthorized payment transaction is initiated via a provider of payment initiation services, the account-holding provider must repay the payer the amount immediately and at the latest at the end of the following working day, cf. subsection 1.
 
Stk. 3. If the provider of payment initiation services is responsible for the unauthorized payment transaction, the provider of the payment initiation service must, at the request of the account-holding provider, immediately indemnify the account-holding provider for losses or amounts paid as a result of the repayment to the payer, cf. section 98, subsection 3.
 
Stk. 4. The Danish Financial Supervisory Authority lays down detailed rules on the technical implementation of the notification, cf. subsection 1, 2. pt.

§ 100. The payer's provider of payment services is liable in relation to the payer for losses resulting from unauthorized use of a payment service by others, unless otherwise follows from subsection 2-5. The payer is only liable according to subsection 3-5, if the transaction is correctly registered and accounted for, cf. however subsection 2.
 
Stk. 2. The payer is liable without limit of amount for losses that arise as a result of the payer having acted fraudulently or having intentionally failed to fulfill his obligations under section 93.
 
Stk. 3. Unless further liability follows from subsection 4 and 5, the payer is liable for up to DKK 375 for losses as a result of unauthorized use of the payment service by others, if the personal security measure belonging to the payment service has been used.
 
Stk. 4. Unless further liability follows from subsection 5, the payer is liable for up to DKK 8,000 for losses resulting from unauthorized use of the payment service by others, if the payer's provider proves that the personal security measure belonging to the payment service has been used, and
 
1) that the payer has failed to notify the payer's provider as soon as possible after becoming aware that the payment instrument belonging to the payment service has been lost or that the personal security measure has come to the knowledge of the unauthorized person,
 
2) that the payer has intentionally handed over the personal security measure to the person who made the unauthorized use, without the relationship being covered by subsection 5, or
 
3) that the payer has enabled the unjustified use through grossly irresponsible behaviour.
 
Stk. 5. The payer is liable without limit of amount for losses that arise as a result of unauthorized use of the payment service by others, when the personal security measure belonging to the payment service has been used and the payer's provider proves that the payer has intentionally disclosed the personal security measure to the person who carried out the unjustified use and that it occurred in circumstances where the payer realized or should have realized that there was a risk of abuse.
 
Stk. 6. Regardless of subsection 3-5 the payer's provider is liable for unauthorized use that takes place,
 
1) after the provider has received notification that the payment instrument belonging to the payment service has been lost, that an unauthorized person has become aware of the personal security measure, or that the payer for other reasons wants the payment instrument blocked,
 
2) when caused by actions taken by, or the inaction of, an employee, agent, or affiliate of a provider or an entity to which the provider's activities are outsourced, or
 
3) because the provider has not taken suitable measures, cf. section 94, subsection 1, No. 2.
 
Stk. 7. Regardless of subsection 3-5, the payer's provider is also liable if the provider does not require strong customer authentication, unless the payer has acted fraudulently. The payee or its provider must compensate the losses incurred by the payer's provider if the payee or its provider has failed to use strong customer authentication. 1st and 2nd point does not apply to services covered by § 1, subsection 5, and § 5, No. 14-16.
 
Stk. 8. Notwithstanding subsection 3-5 the payer's provider is also liable if the loss, theft or unauthorized appropriation of the payment instrument belonging to the payment service or the personal security measure belonging to the payment service could not be detected by the payer prior to the unauthorized use.
 
Stk. 9. Regardless of subsection 3-5, the payer's provider is also liable if the payee knew or should have known that there was an unjustified use of the payment service.
 
Stk. 10 pcs. 1-9 also apply to electronic money, unless it is not possible for the payer's issuer of electronic money to block the payment account or the payment instrument.

§ 101. A payer has the right from his provider to reimbursement of the full amount for a completed payment transaction initiated by or via the payee, if
 
1) the payer has not approved the exact amount for the payment transaction and
 
2) the payment transaction exceeded the amount that the payer could reasonably expect, i.a. taking into account his previous expenditure pattern and the conditions in the framework agreement.
 
Stk. 2. Changes in the exchange rate, when this is calculated on the basis of a reference rate, cannot be invoked when applying subsection 1, No. 2.
 
Stk. 3. It can be agreed in the framework agreement between the payer and the payer's provider that the payer does not have the right to reimbursement under subsection 1, if a consent to carry out payment transactions covered by subsection 1 is given directly to the payer's provider and information about the future payment transaction by the provider or payee was given or made available to the payer at least 4 weeks before the due date.
 
Stk. 4. For direct debits, it may appear from the framework agreement between the payer and the payer's provider that the payer has the right to reimbursement from his provider, even if the requirements under subsection 1 is not fulfilled.
 
Stk. 5. Regardless of subsection 1 and 2, the payer has the right to unconditional reimbursement for direct debits covered by Article 1 of Regulation (EU) No. 260/2012 of the European Parliament and of the Council of 14 March 2012 on technical and business requirements for credit transfers and direct debits in euros.
 
§ 102. A request for repayment, cf. § 101, must be received by the provider no later than 8 weeks after the payment transaction in question has been debited.
 
Stk. 2. The payer's provider must either refund the entire transaction amount or justify a refusal of refund with information on appeal options no later than 10 working days after receiving a request for refund.
 
Stk. 3. Regardless of subsection 2, the provider cannot refuse repayment of direct debits, cf. § 101, subsection 5.”
 
"§ 112. In the case of payment transactions in connection with agreements for the purchase of goods or services by distance selling, which are initiated using a payment instrument, the payer's provider must, notwithstanding § 111, subsection 1, refrain from completing a payment transaction or, if debiting has taken place, immediately credit the payer's account if the payer asserts one of the following objections:
 
1) The debited amount is higher than the amount agreed with the payee.
 
2) The ordered product or service has not been delivered.
 
3) The payer or the specified recipient uses an agreed or statutory right of withdrawal before the goods or service have been delivered.
 
Stk. 2. Prior to an objection pursuant to subsection 1, the payer must have unsuccessfully contacted the payee with a demand for repayment of outstanding amounts or delivery of missing goods or services.
 
Stk. 3. If a payer has objected pursuant to subsection 1, the provider may only debit or re-debit the payer's account if the provider can demonstrate that the objection is unjustified.
 
Stk. 4. Objections pursuant to subsection 1 must be submitted as soon as possible after the payer has become aware of, or should have become aware of, that debiting has taken place unlawfully.
 
Stk. 5. Section 74, subsection 6, does not apply to changes to rights in the framework agreement that have given the user a better legal position than according to subsection 1.”