You may only impose liability on Card Authorized Users in connection with the Stripe Issuing Program as Law allows. Stripe will provide you with support to resolve general issues relating to your Stripe Account and your use of the Services through resources and documentation that Stripe makes available on the Stripe Website and in the Documentation. Each Card Network may allow you to accept only a subset of that Card Networks cards, in which case you must follow the Card Network Rules that govern limited acceptance. Increase sales with promotional messaging. Connected Account Data means data about Connected Accounts and Activity, which may include Protected Data and Stripe Data. 11.1 If this Agreement terminates for any reason, Klarna may retain further payments to the Merchant for the purpose of covering Klarnas financial risks. Stripe Treasury Services are money transmission services, and SPC is a licensed money transmitter and registered money services business, as defined under the Treasury Regulatory Requirements. You are liable to Stripe for fees you and your Stripe Issuing Accountholders incur, but you may pass those fees onto the applicable Stripe Issuing Accountholders. merchant offers, sampling and giveaways. No. If Stripe fully or partially credits the amount of any Card Transaction to your Stripe Issuing Account, you transfer to Stripe all claims (excluding tort claims) that you may have against the merchant for the Card Transaction. You may request specific Card designs for Cards issued to Stripe Issuing Accountholders. Your obligations under this Section 4 will continue after the Term, and this Section 4 will survive termination of this Agreement. This information may include your, or your Representatives, name, addresses, credit history, banking relationships, and financial history. Stripes support is also available by contacting Stripe at contact us. Stripe is not responsible for providing support to Customers. SPC or your Stripe Connect Platform may change the limits at any time. You must not, and must ensure that Stripe Treasury Accountholders and Authorized Users do not take or fail to take any action that could cause Stripe, a Stripe Affiliate or any applicable Treasury Bank to violate any Treasury Regulatory Requirement. (l) all information you provide to Stripe, including the User Information, is accurate and complete. (c) Right to Hold Transfers. 18.2 For the avoidance of doubt, Confidential Information also refers to third party information of technical, commercial or other nature unless there are objective and reasonable grounds to assume that such information is non-confidential. If you access the Stripe Terminal Services using the Terminal SDK, then you must not, and must not enable or allow any third party to: (a) use the Terminal SDK in any way other than for the purpose for which it was provided and in compliance with the Stripe Terminal Documentation and this Agreement; (b) remove, obscure, modify or otherwise tamper with notices (including trademark, copyright and other proprietary notices) or legends contained in the Terminal SDK; (c) use the Terminal SDK other than in conjunction with the Stripe Terminal Products and Stripe Terminal Services; or. Card Authorized User means an individual a Stripe Issuing Accountholder authorizes to use a Card to make Card Transactions on the Stripe Issuing Accountholders behalf (e.g., the Stripe Issuing Accountholders employee or representative). Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. You may terminate this Agreement at any time by closing your Stripe Account. (b) the other Party repeatedly or continuously fails to meet its obligations under the Agreement and does not upon the non-breaching Partys request remedy such failure within the reasonable time frame given by such other Party; Klarna Assets may be protected by copyright, trademarks and service marks and/or other proprietary rights under applicable laws in Sweden as well as other jurisdictions. Further, neither Party shall be liable for unforeseeable damages or damages atypical for the Agreement, and particularly not for indirect, punitive or consequential damages. Klarna may only retain payments under this Section 11.3 until: a) the Parties reach an agreement to mitigate the relevant financial concerns; or You fully accept any such changes by continuing the use of a Klarna Asset after any change or alteration. You are in default under these Stripe Issuing Accountholder Terms if (a) you violate Law, or breach these Stripe Issuing Accountholder Terms, the Issuing Bank Terms, or the Card Network Rules; (b) you fail to pay any amounts you owe to Stripe or the applicable Issuing Bank in connection with the Stripe Issuing Program; (c) you initiate a Card Transaction that would exceed or violate a limit established for your use of the Stripe Issuing Program; (d) you are the subject of an Insolvency Proceeding; (e) Stripe or the applicable Issuing Bank determines that you provided inaccurate information in your application, or that you have failed to keep this information current; or (f) Stripe or the applicable Issuing Bank determines that you pose an unacceptable regulatory, reputational or financial risk. This is an overview of country specific legal requirements for offering Klarna in a webshop, as well as terms and conditions for consumer use of Klarna's payment services. currency exchange), checks or money orders; To use Multi-Currency Processing, you must provide to Stripe a valid bank account for each currency for which you request settlement, based on the list of available settlement currencies stated in the Documentation. (b) second, transfers from your Financial Account (e.g., other Financial Account Transactions resulting in deducting funds from your Financial Account) that SPC receives by the Cut-Off Time will be processed in the order in which SPC receives them. Stripe is not responsible for any fees imposed by banks to which Stripe transferred funds, including the banks that hold the User Bank Accounts and the third-party recipient accounts. If Stripe becomes aware of an unauthorized acquisition, disclosure or loss of Personal Data on Stripes systems, Stripe will notify you if Law allows. If required, you must authorize and direct these third parties to compile and provide this information to SPC or the Treasury Bank, as applicable. (a) Stripe Issuing Accountholder Application. Stripe, on behalf of the applicable Issuing Bank, may review the fees you charge your Stripe Issuing Accountholders in connection with the Stripe Issuing Services to determine whether the fees comply with that Issuing Banks requirements, the Card Network Rules and Law. Without limiting the previous sentence, you must not sell, rent, transfer, make available or communicate orally or through other means any Card Account Data to a third party for monetary or other valuable consideration. (b) Your Responsibility for Disputes. Stripe will notify you of each mandatory Update that it does not push to your Custom Accounts and Express Accounts. The Parties acknowledge and agree that Klarna may itself, or may require the Merchant to, at any time (e.g. You agree that this information may include your name, addresses, credit history and other data (including Personal Data) about you, your representatives and your owners. Some Payment Method Providers require that their Payment Methods be accepted only through a Payment Method Acquirer, which may be Stripe, its Affiliate, or a Financial Partner. In the case of any discrepancy or inconsistency between the GTC and the Agreement, the relevant provision under the GTC shall control unless specifically stated otherwise. (i) Stripe believes that your use of the Services (i) is or may be harmful to Stripe or any third party; (ii) presents an unacceptable level of credit risk; (iii) increases, or may increase, the rate of fraud that Stripe observes; (iv) degrades, or may degrade, the security, stability or reliability of the Stripe services, Stripe Technology or any third partys system (e.g., your involvement in a distributed denial of service attack); (v) enables or facilitates, or may enable or facilitate, illegal or prohibited transactions; or (vi) is or may be unlawful. 30.1 In marketing the Shopping Solutions as contemplated by this Agreement, the Merchant may be required to comply with the Design and Distribution Obligations under Part 7.8A of the Corporations Act 2001 (Cth) (Corporations Act) imposed on a Distributor in Australia (DDO). Stripe will transfer settlement funds for Transactions, net of Fees, Disputes, Refunds, Reversals and other amounts owed to Stripe, from the applicable Pooled Account to the applicable User Bank Account within the time period stated in the Payout Schedule, unless a Payout Delay occurs and affects the transfer initiation, or Stripe exercises a right under this Agreement to withhold or delay the transfer. (e) Stripe and its Affiliates are not liable for any losses, damages, or costs caused by your failure to meet any of your Due Diligence Requirements, or by the Stripe Identity Services failing to correctly verify the identity of any individual. More than quality auto parts!Auto Repair Video library. This information may be separate from or in addition to information you previously provided to Stripe in connection with other Services. To the extent required under the Integration Guidelines, the Merchant warrants that it will provide the Customer with the Customer Terms and Information and ensure that the Customer confirms that these are accepted. The Stripe Radar Services may be enabled by default. Have you made a purchase with Sofort? You may use the Stripe Data that Stripe makes available to you in connection with the Stripe Identity Services solely for the underlying purpose you disclosed to Stripe when you were onboarded to use the Stripe Identity Services. Treasury Bank means a bank insured by the Federal Deposit Insurance Corporation through which Stripe or its Affiliate holds Stripe Treasury Accountholder funds. You must submit each Issuing Complaint (other than an Issuing Complaint made by Card Authorized Users who are your employees) within 3 business days after you receive the Issuing Complaint, to your Stripe Connect Platform or, if you do not have one, to issuing-complaints@stripe.com. Stripe Treasury Accountholder means a Connected Account, or Stripe Connect Platform using the Stripe Treasury Services for your own business purpose, who has successfully completed the onboarding requirements described in the Stripe Treasury Platform Terms. (b) Assistance in Investigations. You have sole responsibility and liability for: (a) determining which, if any, Taxes or fees apply to the sale of your products and services, acceptance of donations, or payments you make or receive in connection with your use of the Services; and. To the extent Law permits, Stripe is not liable for any losses, damages or costs to you or your Card Authorized Users arising out of or relating to (y) unauthorized access to or use of a Card or your Stripe Issuing Account; or (z) your failure to use or implement anti-fraud measures, security controls or any other data security measures. At Stripes request, you must provide proof as Stripe requires that these agreements have been entered into between the Custom Accounts and Stripe. (c) Acceptance Records. (c) Feedback. Stripe or its applicable Affiliate owns the earnings from these investments. SPC is not required to close your Financial Account at your Stripe Connect Platforms request if (i) you have pending Financial Account Transactions; (ii) there is an overdraft on your Financial Account; or (iii) your Financial Account is subject to Legal Process. Upon request, or as otherwise required, the Merchant has to provide Klarna with information that Klarna needs for the fulfillment of its regulatory duties (e.g. IP Claim means a Claim made against you by a third party alleging that the Stripe Technology, Services or a Stripe Mark provided to and used by you in accordance with this Agreement infringes or misappropriates the IP Rights of the third party making the Claim, excluding Claims made by Connected Accounts. Financial Account Transaction means an Entry or other transaction in a Financial Account that adds to or subtracts from the Available Treasury Balance. You must obtain and maintain all necessary rights and consents under Law to provide the User Information that you provide to Stripe and the applicable Issuing Bank about each of your (i) Principal Owners and employees, contractors and agents; and (ii) Connected Accounts, Stripe Issuing Accountholders and Card Authorized Users. This Section 11.1 states Stripes sole liability, and your sole and exclusive right and remedy, for infringement by the Stripe Technology, Services, or Marks of Stripe or its Affiliate, including any IP Claim. Stripe may change the Reserve terms (a) if Stripe believes that there is, or is likely to be, a change in the underlying risk presented by the User Groups use of Stripe services; or (b) as a Payment Method Acquirer or Payment Method Provider requires. You must only use Card Account Data for your internal business purposes and to fulfill your obligations under this Agreement. You may use the Stripe Identity Services only: (a) to verify the identity of Verifiable Individuals to the extent necessary to satisfy your compliance obligations under Law; (b) to prevent fraud as related to your goods and services; (c) to prevent misuse of your goods and services; (d) to improve the safety or security of your business, operations and services; and. My customers' details are correct, but they still can't pay with Klarna. 30.2 For the purposes of this Agreement, Distributor means a regulated person as defined in section 994A(1) of the Corporations Act that engages in retail product distribution conduct as defined in section 994A(1) of the Corporations Act. Payment Method Rules means the guidelines, bylaws, rules and regulations a Payment Method Provider imposes that describe how a Payment Method may be accepted and used. 5.3 After Activation of a Claim, the Merchant may in relation to the Claim and the underlying purchase only agree to such arrangements with the Customer which can be registered in the Merchant Portal or through the agreed upon integration set-up used by the Merchant. (b) You are solely responsible for choosing which rules (default or custom) you use with the Stripe Radar Services. SPC will not accept a Form W-8 in lieu of a Form W-9. You represent as of the date you request to open a Financial Account, and warrant at all times during the Term, that, if you are an individual opening the Financial Account for a business that is a sole proprietorship, you are the sole owner of that business. (b) Connected Account Approval. (iv) terminate your use of the affected Stripe Technology, Services, or Mark upon 30 days notice. Notwithstanding the provisions in this Section 13 referencing applicable substantive law, the Federal Arbitration Act (9 U.S.C. Total amount of payments Of which total amount of credit Effective interest rate Lender and payee (Klarna Bank AB, and address) Link to klarna.com for terms for full terms and conditions. Each Connected Account must submit in its application all information necessary for Stripe and the Issuing Bank to (i) verify the Connected Accounts identity; (ii) confirm that the Connected Account is not engaged in a Restricted Business; and (iii) generally confirm the Connected Accounts eligibility to use the Stripe Issuing Services. (i) The United Nations Convention on Contracts for the International Sale of Goods will not apply to this Agreement. Stripes Privacy Policy explains how and for what purposes Stripe collects, uses, retains, discloses and safeguards the Personal Data you provide to Stripe. In the case of a conflict between the provisions of this Section 13 and the AAA Rules, the provisions of this Section 13 will prevail. (iv) a User Partys negligence, willful misconduct or fraud. You must not request or use a payment card account number for any purpose other than for a Transaction. The Merchant understands and agrees that if it does not provide Klarna with detailed and up-to-date information on goods purchased, fees charged and/or goods returned/cancelled, Klarna may refer such Customer questions to the Merchant. Card Transaction means a transaction you or your Card Authorized User initiates to make a payment with a Card or to obtain cash at an automatic teller machine (ATM). ID Image means an image of an individual submitted through the Stripe Identity Services, including an image captured from an individuals identification document. Please read the arbitration provision in this Agreement as it affects your rights under this Agreement. If this was passed it will be appended toMerchant Terms, or ifMerchant Cancellation Termswas passed toMerchant Cancellation Terms. Stripe Financial Connections Services means the Services that enable you to verify End User financial accounts and the option to receive Connections Data. If Stripe believes that your existing acceptance process does not (i) create a binding agreement between Stripe or the Issuing Bank, as applicable, and each Connected Account; or (ii) comply with the applicable Issuing Banks requirements, then, upon Stripes request, you must modify that process as Stripe and the Issuing Bank (as applicable) require. The relation between the Customer and Klarna is regulated between Klarna and the Customer. You appoint Stripe and Stripes Affiliate, SPC, as your agents for the limited purpose of directing, receiving, holding and settling funds under this Agreement. The seat of arbitration shall be Stockholm, Sweden. Stripe may require you to collect and provide additional Connected Account Data to validate a Standard Account. Klarna Extension-specific Terms and Conditions. (i) the branding, appearance or user experience of the Stripe Identity Services; or (ii) the manner or language used to obtain consent from Verifiable Individuals; (b) represent or imply that Stripe is acting as your agent or appointed by you for the purpose of conducting or meeting your Due Diligence Requirements; (c) disclose the Stripe Data you receive in connection with the Stripe Identity Services to any third party, except as Law requires; (d) use the Stripe Identity Services, any Stripe Data you receive in connection with the Stripe Identity Services, or any Verification Data to create or support a product that competes with the Stripe Identity Services; (e) use the Stripe Identity Services, the Stripe Data you receive in connection with the Stripe Identity Services, or Verification Data in a manner that would violate any Law; (f) reuse, sell, rent, transfer, make available, or communicate orally or through other means the Stripe Data you receive in connection with the Stripe Identity Services (including as the term sell is defined in the CCPA); or. By opening a Financial Account, you represent as of the date you request the Stripe Treasury Services, and warrant at all times during the Term, that neither you nor any beneficial owner of your Financial Account is designated under or covered by any sanctions program administered or enforced by the United States Department of the Treasurys Office of Foreign Assets Control. If the transfer instruction gives both a routing number or account number and a name, and the name identifies a different person from the account owner identified by the number, SPC and any other person that handles the instruction may still rely exclusively on the number. If the Treasury Regulatory Requirements permit, SPC will deduct those fees and costs from your Available Treasury Balance. Upon receipt of an Update notice from Stripe, you must immediately notify your Custom Accounts and Express Accounts that use the Stripe Terminal Services (a) of the Update; (b) whether the Update is mandatory, optional or discretionary; (c) if the Update is mandatory, the deadline for installing the Update; and (d) that they may not be able to continue using the Stripe Terminal Services if they do not install the mandatory Update by the deadline. (a) No Interest Unless Advised. It should be mentioned that the Merchant could also pass along custom text, in Markdown format, that would be pre-pended to the Merchant Terms checkbox label. To return items purchased using Klarna, follow JD Sports' standard return process and return policy. A reservation shall be cancelled immediately if the goods or services are unavailable. 3.3 To the extent required under the Integration Guidelines, the Merchant shall provide Klarna with information that Klarna needs to allow Customers to use the Shopping Solutions to pay for their purchases e.g. Stripe may debit and credit a User Bank Account as described in this Agreement. (a) All disputes, claims and controversies, whether based on past, present or future events, arising out of or relating to statutory or common law claims, the breach, termination, enforcement, interpretation or validity of any provision of this Agreement, and the determination of the scope or applicability of your agreement to arbitrate any dispute, claim or controversy originating from this Agreement, but specifically excluding any dispute principally related to either partys IP Rights (which will be resolved in litigation before the United States District Court for the Northern District of California), will be determined by binding arbitration in San Francisco, California before a single arbitrator. Your acceptance and use of a Payment Method may be subject to Payment Method Rules, Payment Method Terms, or both. This subsection (i) will survive termination of this Agreement. Klarna will then perform an assessment of the transaction and the shopper, e.g. You represent as of the Effective Date, and warrant at all times during the Term, that you have and maintain all necessary rights and consents under Law to provide to Stripe and the applicable Issuing Bank, and to allow Stripe and the applicable Issuing Bank to collect, use, retain and disclose, all Personal Data that you provide to Stripe or any Issuing Bank or authorize Stripe and any Issuing Bank to collect, including data that Stripe may collect directly from Card Authorized Users. Stripe will defend you against any IP Claim and indemnify you against all IP Claim Losses. You represent as of the Effective Date, and warrant at all times during the Term, that you do not use the Stripe Identity Services for any permissible purpose under (and as defined in) the FCRA, or in a manner that would violate the GLBA, the United States Driver's Privacy Protection Act, the United States Health Insurance Portability and Accountability Act, or other substantially similar Law. The Parties further undertake to handle Customer complaints and disputes promptly and correctly. (d) Nothing in this Agreement will preclude the parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. Section 8 of the General Terms applies to all Connected Account Data that you prepopulate or provide to Stripe. (h) Unless expressly stated to the contrary, when a party makes a decision or determination under this Agreement, that party has the right to use its sole discretion in making that decision or determination. Stripe or an Issuing Bank may reject any Connected Account application for, and terminate any Stripe Issuing Accountholders access to, the Stripe Issuing Services immediately if any Connected Account, Stripe Issuing Accountholder, or any Principal Owner, Stripe Issuing Administrator, Card Authorized User, representative, or individual with significant responsibility for management is or becomes a High-Risk Person. 2.2 You must provide Stripe with the correct account ID for your Data Warehouse account. You may only accept payment card Transactions in locations authorized by Stripe and the applicable Card Network. The shopping journey Pre-purchase experience You and your Representative individually affirm to Stripe that (a) your Representative is authorized to provide User Information on your behalf and to bind you to this Agreement; and (b) your Representative is an executive officer, senior manager or otherwise has significant responsibility for the control, management or direction of your business. These terms (Stripe Terminal Terms) supplement the General Terms and govern your use of the Stripe Terminal Services. SPC may allow Financial Account Transactions that exceed applicable limits, or temporarily reduce your limits from time to time without notice (unless the Treasury Regulatory Requirements require otherwise). You must promptly notify your Stripe Connect Platform if you breach this Section 9.15. (c) information which the Receiving Party is obliged to provide in accordance with any applicable laws, investment exchange rules, court order or decision by a governmental authority; or You must not use the Stripe Issuing Services until Stripe and the applicable Issuing Bank approve your application. (a) use the Stripe Radar Services or Stripe Radar Data as a factor in determining any persons eligibility for credit, insurance, housing or employment, or in any way that would cause Stripe to be a consumer reporting agency or cause the Stripe Radar Data to constitute a consumer report, each as described in the FCRA; (b) sell, rent, transfer, make available, or communicate orally or through other means Stripe Radar Data (including as the term sell is defined in the CCPA); (c) disclose (except as Law requires), download or store Stripe Radar Data; (d) use the Stripe Radar Services or Stripe Radar Data to directly or indirectly develop or otherwise make available on a commercial basis any security or fraud detection product or service; (e) use the Stripe Radar Services or Stripe Radar Data to discriminate based on race, gender, or other protected characteristics, or take any adverse action as that term is described in the FCRA; or. The integration of Klarna Checkout involves four main steps. If Stripe believes that your existing acceptance process does not create a binding agreement between Stripe and each Custom Account, then, upon Stripes request, you must modify that process as Stripe requires. You must not alter or delete this information, and you must pass all of this information to the Stripe Issuing Accountholders. You can confirm via the Stripe Treasury Dashboard whether SPC has received a Financial Account Transaction that adds funds to your Financial Account. You are liable for all costs Stripe incurs during collection of any amounts you owe under this Agreement, in addition to the amounts you owe. Your Stripe Connect Platform will provide you access to the Stripe Treasury Services (if applicable). (a) Stripe does not guarantee that the Stripe Identity Services will detect or prevent all fraudulent activities or correctly verify the identity of any individual. You must provide all support to Stripe Treasury Accountholders and Authorized Users according to the Stripe Treasury Product Guidelines. You must pay, or ensure that Stripe is able to collect, Fees and other amounts you owe under this Agreement when due. Capitalized terms used in this Agreement that are not defined inline are defined in the Definitions. Each of the Issuing Bank and Stripe may prevent Cards from functioning outside of the United States of America. You have no rights to any Pooled Account, or earnings generated by funds held in any Pooled Account, and are not entitled to draw funds from any Pooled Account. The limitation of liability in Section 12.2(b) of the General Terms will not apply to claims you or your Affiliates make against the Stripe Parties for failing to transfer any settlement funds the Stripe Parties receive and owe to you in connection with the Stripe Payments Services. Card Authorized User Terms means the terms governing a Card Authorized Users use of a Card. Stripe may suspend or terminate your access to the Stripe Identity Services immediately if you fail to provide information Stripe requests under this Section 6. 30.6 The Merchant may also take any additional steps it considers necessary to meet any obligation imposed upon it as a Distributor and Klarna will provide all reasonable assistance requested by the Merchant to enable it to meet its Distributor obligations. 18. Merchant Support opening hours Monday to Friday 08:00 - 22:00 Saturday to Sunday 10:00 - 17:00 Bank Holidays 10:00 - 17:00 Call us Show phone number Unless specified as business days, all references in this Agreement to days, months or years mean calendar days, calendar months or calendar years. (d) Consequences of Closing Financial Account. Stripe Identity Services means the Services that enable Stripe to collect and verify, and Stripe and you to store, information regarding individuals for the purpose of verifying the identity of those individuals. Sveavgen 46, 111 34 Stockholm. Klarna will only exercise this right if there are legitimate reasons not to administer any outstanding Claims, e.g. (b) No Other Securities. If a Hold is in effect, SPC will continue to charge all applicable fees, even though your Financial Account cannot be closed. However, if you choose to use only the verification services portion of the Financial Connections Services, you will not receive Connections Data. You must promptly provide these notices and forms to the Connected Accounts in compliance with Law. The Services Terms contain specific terms governing the parties rights and obligations related to the Services described in those Services Terms. Authorized Purpose means the purpose approved by Stripe under Section 2.1 of the Stripe Financial Connections Terms for which you may collect, use, disclose and process Connections Data. You may receive Stripe Tax Data through the Stripe Tax Services that is based on Stripes interpretations of federal, state, local and foreign Law. c) Klarna reasonably suspects that the Merchant is engaging in or has engaged in fraud; or
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