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Feng shui deals with eastern astrology, which can be quite different in many ways. As much as I know pisces are known as dreamers, mistics and artists.
So any kind of creative work is great for them. The shadow sign of pisces is Virgo though, who is the master of detail. Pisces feel more complete is they give more attention to little things.
My zodiac sign is Gemini. In Chinese horoscope I am horse. I am looking for a soul mate a true relationship marriage. What symbol animal should i put at home and jewellery to wear.
I am also planning to get a tatoo.. Will the dragon tatoo be a good luck charm for me? Hi, today, I was given a horse looking down with four feet on a pedestal by one of the owners of the family owned company I work with.
She said that she had this horse statue displayed at her house and now that they are renovating, thought that she would give it to me for so many favors I have been doing for her companies.
Would this add to my great luck or should I sell or give it away? You are right about bad feng shui of the entrance. First let me ask you - no offense meant - why did you choose the house if you knew it was bad feng shui?
Now if you have no choice, the best thing to do is to screen the staircase. But the main thing is that the black colour is not domeneering here.
Keep the door of the toilet closed and decorate it nicely. Any curvy plant-like decor ofr the stair case will correct a little, as well as windchimes.
Everything in feng shui is symbolic. Two cranes are a good sign by itself but facing away means different directions, so it is better to place them facing each other.
This way people living in the house will be pursuing the same goals. I have few concerns with the layout. This is a newly built house. My main door is black and facing west.
As soon as you open door, you will see both the staircase and the downstairs toilet. What can I do to counteract all these that I think are bad fengshui?
Please, please help me. My date of birth is June 21 what is my sign in feng shui and meaning also I have a statue looks like a buddah sitting one leg up hands resting on right knee holding a red necklace.
My parents have two pictures of crane. Can the photos face each other or do they have to face away? Does it matter how to place them?
You really describe it well: Googled it and found a copy from Noon Books www. I thoroughly enjoyed reading it, applying it and waiting for positive results.
I swear life seems to just "flow" now instead of just "chug along" if you know what I mean. Money comes in from unexpected sources and relationships seem to require no effort.
Life just seems happier. Very, very thankful I stumbled upon this and gave it a chance. Hello, I live in a split level home.
I recently bought two cranes to place outside. I have a wooden post that is floor to ceiling in my health section, what can I put on this post to counteract negative energy?
Do you recommend cutting down? It does not hold my ceiling up: Also I have a bathroom door connected to my bedroom, I worry this brings negative energy too since my prosperity area is in my bedroom.
Sure, camel is a great good luck animal that helps survive hard times with some profit. Hi I have just purchased a marble camel and bull and have placed both of them on the fridge facing the main door.
I would suggest to deplace your horse from home to the office, but in the south of the office quite descretely! Turtle is indeed a great career helper.
It is ok to have a new turtle if the old one died. Light some candles where it used to live also or ring a bell. This will give light and higher vibe to the place.
Unfortunately our pet turtle just died this morning. Is it ok to buy n new turtle pet? Can you check if the horse is actually facing north or is in the north sector when one of your family members is born the year of the Rat?
If so, it is good to change, especially if the statuette is in the north. If the face of the horse is the first thing you see from the entrance, it may not be as good either.
Horse symbols bring very powerful kind of energy, horse rearing is kind of sending chi energy back from your home.
It is better to have your horse in a home office or even living room. The home of the Horse is south. But you can place it in the north for career success, only if nobody in your family is Rat.
The family atmosphere in my home is not that good what can i do for that. However feng shui considers your Chinese zodiac sign.
So find it out and have another lucky animal at your disposal! Hi , I saw golden lion ring with diamond.
Is this ring is lucky for me my zodiac sign is Leo. I can tell your Chinese zodiac sign by the date of your birth, including year.
There is a lot of information online on the subject, and you may easily find it yourself. Elephants are great for feng shui. They protect and bring good luck to your home.
If they are wooden it is a good idea to place them in the south, south-east or east of your home. Hi Avorodisa, my Kodiak sign is Taurus, what is my Chinese animal and what should I wear or place in my apartment to bring me health, wealth and happiness?
Hi Prabs, feng shui is an Eastern system of knowledge and it is different from the Western one. Keeping goldfish is beneficial in feng shui, and if you believe in it, twice so.
So keep on keeping your godlfish by all means. Fenh shui has several remedies that you can try to have a child. The basic ones are Kuan Yin, peach and some stones like carnelian and red jasper that you can wear.
Kuan Yin is the goddess of mercy and many great things, one of which is childbirth. You can have an amulet-pendant in the form of Kuan Yin from carnelian, for example.
Peach can be a figurine that you can buy in a feng shui shop. Place the peach near your bed. Laughing Buddha with children is said to help.
Finally, some feng shui masters recommend placing a pregnant round-bellied dragon in the east corner. Also, elephants with lowered trunks help get pregnant.
Thank you very very much for your kindness. I shall reaarange the decoration as guided by you. After marriage i have shifted hence my parents house is empty.
I visit once a month for cleaning etc. I am single child and hve lost both my parents. I am trying for a child as i got maried late.
Any remedy or suggestion for conceiving soon. Would love to be a mother soon and give the lill one the love and values i received from my beloved parents.
May God Bless you always. Wow, that seems like lots of things to me But your wall unit is all good things. In feng shui a nicely decorated wall is always a plus.
There is even a notion of the main wall in the room. This is the wall that is mostly looked at, the most visible and prominent wall of the room.
If decorated properly, it brings wealth, luck and happiness to the residents. Your shelves seem beneficial to me.
However, you mentioned religious objects buddha, hindu gods, king. These should take a higher place on the highest shelf. Humans are smaller beings, so place them on the middle shelf.
Animals are still smaller beings, so place them on the lowest shelf. Just east is the family direction, so by having this wall in the east you will boost family well-being, and if you place it in the north, it will help career.
Hi I have small marble statues of birds, peocoks, cows, elephants and dogs in showcase of one shelf of wall unit. Second shelf h as hindu Gods pics and miniature statues of metal.
Third shelf has one stuffed toy , one three legged frog,small buddha, one hand painted elephant with the king astride on it two metal lady statues flower vase etc.
Wall unit is facingeast. Can i change the direction to north. I am born on 10 May and husband on 24 Aug No children uptil now.
Kindly help us and guide us in our lives. Hi, in feng shui horse and rat are two signs that collapse. This means that people who are born under the sign of rat are not recommended to have a horse as a symbol in their home.
North is the rat sector, so having a horse symbol here will bring conflict. See they would oppose north which is not good either.
Try placing them anywhere else. Buddha is good as well as turtle. This symbol may be helpful especially in the north unless you have a bedroom here.
If you have a bedroom in the north, place the statue in the north of your living room to boost your career growth.
North has a lucky 8 star this year , so be sure to activate it. Rat symbol is good for you to wear as body jewelry, as well. My zodiac is virgo and chinese animal is rat, recently i bought a picture of 8 horses becoz my husband animal is horse,whether it is good 4 me or not becoz now im searching for a job please help me.
Unless one of your family members is born on the year of Rat according to the Chinese zodiac, having two horses in your living room seems like a good idea.
Horses boost reputation, recognition, fame and social status. The major wall is the one most open, most looked at in the room.
Thank you for sharing your experience, Kristen Howe. By the way, stuffed animals are considered bad feng shui, as dead bodies emanate negative yin energy.
Otherwise, any symbols that are not killed animals but just figurines, images, etc. This was real interesting to know. My late mother loved elephants--it became our family symbol.
She collected everything from figurines to stuffed animals. Now I keep them in part of tradition. I just need to find them in metallic ones, someday.
Hello I planned to buy the 8 lucky charm introducing above images. I want to buy a house. Just want to keep a lucky charm so that i get new house soon.
I can recommend you for making friends and mates place your animal-friend in the corresponding area of your home.
You were born the year of a pig, so place a picture or a statuette of a rat in the north of your apartment or house. Rat is your animal-helper when it comes to love, friendship and co-thinkers.
In feng shui this is called "peach blossom formula", although it has nothing to do with peaches, lol. The fact is, they compare the beauty of the face of a beloved to a peach blossom.
If you want to buy a special ring to protect you and bring good luck to you, using Chinese zodiac I would choose a pig ring, your animal sign.
How can I do to solve this problem? I was born at the year of pig. One more , I decide to buy fengshui ring, can you tell me which symbol on the ring is good for me?
Dragon ring or frog ring? Is it ok if I wear snake ring? Once again thank you so much for such a profound explanation I appreciate your help.
You doing a tremendous aid those who trust in fengshui and need. Right now my apartment colored in very light sandal color. Regarding the horses is there a concern numbers of horses.
Hi, the best way to find out a bagua is to take a compass and stand outside the front door. Then you can see by the compass arrow where the north is.
It is good if you have a plan of your appartment. As soon as you know the directions you can apply a square divided into 9 equal squares, like sudoku square.
So you have a 3x3 square. So finally you have 9 parts with the centre in the middle, and compass directions around it.
She has a video exlplaining how to figure out the bagua. Once you find out all the sectors, look for the south and the north on the plan.
A little advice I can give about your front door. Since your door faces NE, you could paint it yellow, orange or any earthly color would do a lot of good.
NE is earth element, and you can support the front door element with the help of earth and fire colours. Next, the horses colour can be red or green or brown in the south auspicious for this area , or black, white or blue in the north.
Thank you so much I appreciate your time and reply. Actually I live in an apartment my main door which is facing Northeast,In this case what I suppose to do..
Another question is there any rules apply regarding the colours of horses. Kindly can you advice me. Horses do help promote the career luck.
The best place for the horse symbol, if you are familiar with bagua, is south or north of your home or office. Both pictures and statues work well.
Be mindful though about the size. It must be proportional to the size of your room or apartment, not too tiny or too huge. There is only one exception: As for the number of symbols, there is no strict rule.
Usually one symbol is enough. Yet, you can augment your personal career luck with the help of your lucky number your date of birth, for example.
Another option is to place a fountain in the north. It will help you find a new career path sooner or later. Add to this your inner feng shui — your attention to the new opportunities.
Keep your eyes and ears wide open. I am new to Feng Shui ,I have few questions i wish you will be happy to answer me and clear my doubts. Since i have trouble in my career and to obtain success in my life is it good to have Horse statue or painting like rearing?
If so how many horses I should keep as a statue as well in painting or can you advice what type of feng shui symbols please. There are two areas where you can place a horse, according to feng shui.
As an animal of fame, it can be placed in the south of your bagua. As an animal of career luck, a horse statue or picture can be placed in the north.
When it comes to laughing Buddha, place him in the living room facing the door. Hotei will bring you money luck, lightness and take some problems away.
Can I know where should I place a horse and a money happy man? And in what kind will it get me a good luck? Both one-humped and two-humped camels are good feng shui, as far as I know.
Camel as a feng shui symbol personifies wealth luck, indeed. Metaphorically a camel is often compared to a wealth ship that sails through a desert.
A camel with one hump will protect your finance and make your wealth stable. A camel with two humps helps overcome financial difficulties.
The significance of each symbol is rooted in either folklore , mythology , esotericism , religion , tradition , necessity or a combination thereof.
From Wikipedia, the free encyclopedia. Horseshoe English and several other European ethnicities Horseshoes are considered lucky when turned upwards but unlucky when turned downwards, although some people believe the opposite.
The New York Times. Retrieved April 26, Buda Gris-gris Sampy Sleeping child. Apotropaic magic Astrology and science Coincidence Debunker Divination Folk religion Fortune-telling Magic and religion Magical thinking Numerology Perceptions of religious imagery in natural phenomena Post hoc ergo propter hoc Traditional medicine Urban legend.
Retrieved from " https: Luck Lists of symbols. All articles with unsourced statements Articles with unsourced statements from September Views Read Edit View history.
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11. Changes in the contractual clauses. Termination of the Contract.
11.1. The Operator is entitled to change these General Terms and Conditions. The change shall enter into force after being published on the website of the Operator. In case of a change, the Operator undertakes to publish a notice to that effect at a visible place on its website. If the Client does not initiate the termination of his/her contract by submitting a request for the closing of his/her client account, it shall be deemed that he/she accepts it together with the introduced changes.
11.2. The Client shall be entitled to terminate the contract with the Operator at any time. The termination shall be realized through the closing of the client account. If the Client wants to terminate the Contract, he/she shall send an e-mail to the following address: office@epay.bg, requesting the deleting of his/her registration. The request shall specify the identification credentials used for his/her registration with the Operator's System - CIN, e-mail, names. The Operator shall be entitled to require from the Client to identify himself/herself by submitting of an ID document at an office of the Operator or at an office of Easypay AD (for Clients of the 3rd user level of access) or to request further information from the Client needed in relation to the closing of his/her Client account.
11.3. The transfer of the Client's registration from one Client to another shall not be allowed. Should incorrect/inaccurate data (for example personal number) be submitted for the registration, and the Client has no access in order to change these, the Operator is entitled to delete the registration. The Client needs to send a request to the Operator to the specified e-mail address, indicating the reasons to that effect.
11.4. The Operator shall be entitled to terminate the contract with the Client at any time, by a one-month prior notice, provided that for such purpose the Operator shall send him/her a message to the e-mail address specified by the Client.
IV. TERMS AND METHOD OF PAYMENT
12. Before executing the payment, the Client shall review the information provided by the system about the merchant, i.e. the payee, the description of the transaction, the date and number of the invoice, the sum payable, the fee for the payment (if applicable) and other available information for the specific payment. Having verified their accuracy, the Client shall select the means of payment registered with his/her client account, which shall be used for the executing of the payment, or enter the data of the card or other required information about the executing of the payment.
13. For registered clients, in order to confirm the payment, the Client shall enter the password. The Operator's system shall check the validity of the entered password.
14. If the Client has decided to execute the payment by a bank card, the Operator's system shall send to BORICA AD, respectively, to the bank that has issued the card, a message to authorize the payment. If the balance of the card is sufficient for the executing of the payment, including the fee for the payment (if applicable), and the total sum is within the card limits for settlement, the transaction shall be executed and BORICA AD, respectively, the bank that has issued the card, shall send back to the Operator's system an authorization code so as to confirm the payment. The Operator shall inform the Client of the successfully executed payment. Easypay AD shall execute the payment transaction, related to the debiting of the Client's card, used for the executing of the payment, and the crediting of the payee's account.
Should the payment fail due to any reason whatsoever (for example the card is blocked/inactive, the balance is not sufficient, the payment limits are exceeded, etc.), BORICA AD shall send back to the Operator's System a code for rejection of the payment, respectively, the Operator's System shall inform the Client that the payment is not successful and shall provide to the Client the received information about the reason for the rejection.
15. If the Client has chosen to execute the payment using his/her Microaccount, the Operator's System is sending to Easypay AD a message to debit the client's Microaccount, respectively, to credit the account of the payee specified by the Client. For the successful execution of the payment, the following is necessary: 1) sufficient balance available to the Client's Microaccount, incl. the fee for the execution of the payment transaction (if applicable); and 2) the sum of the payment transaction shall be within the limits of the Microaccount in accordance with the user level of the client payer and of the client payee, respectively. After entering of the password and confirmation of the transaction by the Client and after running the relevant preliminary checks of its execution, Easypay AD shall debit the sum to be paid from the Microaccount of the Client and credit the account of the payee.
16. The payments ordered via the Internet or through the mobile application, shall be deemed accepted at the moment of their confirmation by the Client using his/her password for access to еPay.bg, respectively, to the mobile application ePay Mobile, and/or by a temporary password send by a SMS, one- time password or another identification code. In case of a payment by card without registration with the Operator's System, the payment shall be deemed accepted after the entering of the card's data and selection of the confirmation/payment button.
When executing the payment at an ATM in relation to a service of the Operator, the payments ordered shall be deemed accepted at the moment of confirmation of the payment by entering of a valid PIN code to the bank card, whereby the payment is executed. The Client shall not be entitled to challenge the payment, which is confirmed by the entering of a correct password for his/her identification within the Operator's System, respectively, in the mobile application, or after confirmation of the payment using the PIN code of the card (when the payment is executed at an ATM).
17. For the execution of certain payments within the Operator's System using a bank card, respectively, a Microaccount, the Operator and Easypay AD may request further information or the use of additional electronic identification credentials, provided that the Client shall be notified to that effect before the execution of the payment transaction.
18. The Operator guarantees that when the Client submits an order for a payment transaction, which is confirmed by the correct and accurate password, and the available balance in the card, respectively, the Microaccount of the Client, is sufficient, the Operator shall ensure the provision of the information as to the execution of the payment from the card/Microaccount of the Client to the account of the payee (merchant), and also guarantee the execution of the payment to the payee after its confirmation by the Client.
19. The Client has an opportunity not to confirm a given payment by selecting the payment rejection button.
20. The Client receives detailed information, which is accessible through his/her client account on the website of the Operator or through the mobile application, about all transactions (payments, transfers, etc.) and the fees charged for such transactions (if any), as well as all transactions related to the use of the information services offered by the Operator.
V. LIABILITIES
21. The Operator is not a party to the contract between the merchant/payee and the Client and shall not be liable for unrealized deliveries, for deliveries that do not comply with the Client's requirements, for services not rendered, or for any other cases of disputes between the merchant/payee and the Client.
22. The Operator shall not be liable and shall not accept any claims, if the Client has provided his/her password to third persons and they execute payments in his/her behalf and at his/her expense, regardless of the way, in which it was done.
23. The Operator shall not be liable for a payment that has been ordered by mistake by the Client, which is confirmed using his/her password or confirmed after the entering of the card's data, when it comes to one-off payments without registration.
24. The Client cannot lodge any claims against the Operator for unexecuted payments, if:
* his/her bank due to any reason has refused to execute the relevant payment,
* his/her bank is not able to execute it, regardless of the reasons to that effect (placing the bank under special supervision, declaring its insolvency, temporary insolvency, etc.).
25. The Operator undertakes to provide to the Client, upon request, the following data about the merchant: domicile and mailing address, telephone, e-mail, names of the merchants representatives, UIC (BULSTAT) of the merchant.
26. Epay AD and Easypay AD shall be liable and shall not be obliged to pay damages or loss of profits in case the Client is not able to execute payments at a given moment due to events of force majeure or due to any reasons beyond the control of the Operator or Easypay AD, including technical failures, communication breakdown, electricity blackout, etc.
VI. SECURITY
27. The Client shall be fully liable for the keeping of his/her password for access to the Operator's System, respectively, the code for access to the mobile application ePay Mobile, from the knowledge of third parties. If the Client has doubts that third persons have learned his/her password/code for access in one way or another, he/she shall immediately change the password/access code using the section of the Operator's website, respectively, the mobile application, intended for such purpose.
28. In order to guarantee the Clients funds, he/she shall not enter the PIN code of his/her bank card into any website, including the Operator's website, and shall not enter his/her password/access code into other websites, except for the website of the Operator, which is expressly specified for such purpose.
29. The Operator, due to any reasons whatsoever, shall not send e-mail messages inviting the Client to update his/her data and account in the system or to provide his/her password and/or username, any card data or other identification credentials. Should the Client receive such a message, he/she shall consider it as an attempted fraud and he/she shall not open the links indicated therein under any circumstances, and shall not enter his/her personal and/or financial information.
30. The operator provides an opportunity to the Clients of the system to use certain additional security services for the payments via the Internet – a temporary SMS code for payments and a one-time password dpass, registration of a qualified electronic signature. The conditions and the method of using of the additional security services for payments are detailed on the Operator's website.
31. The Operator shall be entitled to temporarily block the Client's access to his/her registration on the Operator's site in the following cases:
a) at the Client's request;
b) in case of doubts that the registration might be used fraudulently;
c) in case of unauthorized use of the means of payment;
d) when the actions of the Client are in breach of the requirements of the existing legal acts, as well as the current General Terms and Conditions;
e) at the initiative of the Operator and Easypay AD – due to objective reasons associated with the security of the Client's identification credentials, reasonable doubts for orders using the means of payment that are not authorized by the Client, and the fraudulent use of the means of payment;
f) automatically, if incorrect identification credentials (password for access) are entered into a certain number of times.
32. The blocking of the account (registration) of the Client shall not lead to an immediate and unconditional termination of the Client's contract with the Operator and/or with Easypay AD.
33. When the blocking is initiated by the Client, the registration of the Client shall be blocked, when the Client submits the identification credentials required by the Operator.
34. The Client shall not be entitled to use the Operator's website or the mobile application ePay Mobile, including the payment instruments registered with his/her client account, for purposes that are at variance with the law, including the acquisition of goods or services, which are prohibited by the effective Bulgarian legislation.
VII. FEES AND COMMISSIONS
35. The Operator shall charge fees for the provided information services in accordance with the Tariff published on its website: www.epay.bg. The Operator shall be entitled to change the Tariff, provided that it shall publish the changes in advance on its website. Easypay AD shall charge fees for the provided payment services related to the processing of payment transactions using a card or a Microaccount, in accordance with the Tariff published on the website: www.epay.bg.
36. In case of card payments using the Operator's System, the cardholder's Bank, in turn, may charge fees on the cardholder's account for each executed transaction, provided that this shall be set out in advance in its tariff.
37. Cookies policy. Security and identification.
37.1. The cookies are small files containing data, which are transferred by a website from the internet browser of the computer or another device (mobile telephone) used by the Client to access the Internet, either temporarily, during the visit to the website, or for a longer period, depending on the type of the cookies used.
37.2. The operator uses temporary cookies to facilitate the Clients' access to the Operator's website, to facilitate the Clients' access to their user accounts and to control the security. The cookies are used to identify the user within a specific session, to control the security of the connection and to guarantee that only the user can see the information that he/she has entered.
37.3. The cookies used for identification and security purposes are deleted automatically after the termination of the session of the used internet browser or are kept for a limited period of time with a view to ensure the obstacle-free use of the website. These cookies and the other types of cookies on the Operator's website do not store the personal data entered by the Client.
37.4. The Operator's website (www.epay.bg) uses cookies to store information about the selected language version, so as to preserve this setting in the current session and to ensure the optimum convenience when visiting the site.
37.5. If the Client is not willing to accept the use of cookies by the Operator's site, he/she can deactivate them through the settings of the internet browser that he/she is using. If the Client rejects the use of cookies, certain functions of the Operator's site may not work properly.
VIII. PERSONAL DATA COLLECTION
38. The Operator Epay AD is the personal data controller within the meaning of Regulation (EU) 2016/679 of the European Parliament and of the Council on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, which is applicable as from 25 May 2018, as well as the national legislation. The Operator shall collect personal data and use the collected personal information only for the purposes of offering the services, unless a reasonable assessment is made that these shall also be processed for another purpose compatible with the initial one. Should personal data need to be processed for another purpose, which is not compatible with the initial one, the Operator shall inform the data subject.
39. Epay AD is processing personal data either individually, or jointly with other controllers, such as banks, Easypay AD and other payment service providers and system operators, specified in the Law on Payment Services and Payment Systems (LPSPS). The data associated with payments through the System of Epay AD, as well as the Client's identification credentials, shall be processed jointly with Easypay AD, in the capacity of payment service provider under LPSPS.
40. Epay AD shall collect from the Client the data necessary for the identification and for the performance of the contractual obligations of Epay AD and the Client:
* names, personal number and foreigner's personal number, foreigner's date of birth, address, telephone, e-mail address;
* names, personal number, address and other particulars of a proxy;
* number, date of issue, validity and issuer of an ID document;
* data collected when executing the payment – credit or debit card number, bank account and other payment information collected when processing the payments ordered by the Client through the systems operated by Epay AD – via the Internet, through the system ePay.bg, other online platforms for automatic payments using payment cards or payment accounts, at an ATM, mobile applications;
* data contained in the client account – username; information about the qualified electronic signature registered with the Operator's System; identification credentials contained in the Client account with the Operator's System; the subscription numbers, client numbers and other information related to the offered services for payments to registered merchants, as added to the client account; payment history;
41. Epay AD is processing the collected data for the following purposes:
41.1. For the provision of the services that have been initiated by the Clients /data subjects/;
41.2. For the exercise of contractual rights and the performance of obligations of the Operator under a contract to which the Client is a party;
41.3. For the compliance with the legal obligations related to the provision of payment services by Easypay AD to clients, who are using the payment services through the systems operated by Epay AD.
41.4. For the provision of information about the client and the services that he is using upon an inquiry/request/inspection by a competent authority;
41.5. For the purposes of direct marketing of goods and services offered by the Operator.
42. The collected personal data are kept and processed in adherence to the requirements of the Personal Data Protection Law and the General Data Protection Regulation (Regulation (EU) 2016/679), whereupon all applicable personal data protection rules are complied with. The Statement of Privacy and Personal Data Protection of Epay AD contains detailed information regarding the collection of personal data, their processing, storage period, as well as the rights of the Clients /data subjects/.
GENERAL TERMS AND CONDITIONS of the issuing and using electronic money on a "Microaccount"
GENERAL TERMS AND CONDITIONS of contract for use of "Microaccount". This online Agreement describes the terms and conditions, under which EASYPAY JSC (Easypay) in partnership with EPAY JSC (ePay.bg) offers you the service of "payment through Microaccount". In order to use the service you must confirm that you accept the present General Terms.
I. Information about EASYPAY AD and EPAY AD
1. EASYPAY AD, having its seat and management address in Sofia, 16 Ivan Vazov str., and the following website – www.easypay.bg, is registered in the Commercial Register of the Registry Agency with registration number 131344648. EASYPAY AD is a provider of payment services in accordance with the Law on Payment Services and Payment Systems (LPSPS) and provides electronic-money-related- operations on the basis of a license in compliance with a judgment number 258 of the Bulgarian National Bank (BNB) from 25.10.2018, entered in the public register in accordance with article 19 from the LPSPS.
2. EPAY AD is a legal entity, which registers all merchants and customers, who wish to execute payments via ePay.bg through bank cards, Microaccounts or other approved by EPAY AD means of payment. EPAY AD ensures and guarantees the implementation of these payments between the parties in compliance with the approved by the Operator and the accepted by the issuers of cards, BORICA and EASYPAY AD technology . EPAY AD is registered in the Republic of Bulgaria, having its seat and management address in Sofia, 16 Ivan Vazov str., and the following website – www.epay.bg. EPAY AD is registered in the Commercial Register of The Registry Agency with registration number 131409398, hereinafter Operator.
A "Customer" is an capable individual or legal entity, a holder of electronic money, who purchased from EASYPAY AD electronic money at face value in exchange of funds in accordance with the current terms and conditions.
"Electronic money" is a monetary value, which represents a claim on EASYPAY, kept in a digital form on an electronic money account for the purpose of executing payment operations. The electronic money account is identified by an unique identifier.
A "Microaccount" is an electronic money account on which electronic money, issued by EASYPAY AD are being stored, in exchange of the Customer's funds. The microaccount is identified by an unique identifier.
A "Unique identifier" is a combination of letters, digits and symbols which are used to mark the electronic money account, and which is provided by EASYPAY AD as a provider of payment services to the Customer.
A "Payment operation" for the purpose of the current terms and conditions is each of the following actions:
cash deposits or transfer/payment via bank card for purchasing electronic money from EASYPAY; issuing of electronic money by EASYPAY; redeption of electronic money by EASYPAY; receiving financial amounts, in cash on till, by the Customer on a Microaccount ; executing of payment operations by the Customer via payment order in accordance to the procedures listed in the current terms and conditions; submitting a request for redemption of electronic money by the Customer; payment operations for which the customer approval or executing this payment operation have been provided through use of mobile devices or via the Internet
A "Microaccount statement" is all information provided by EASYPAY to the Customer, regarding theelectronic money owned by the Customer as well as the payment operations performed with them. The statement shall be issued in accordance with the current terms and conditions.
An "Agreement" is the Customer's agreement to perform a payment operation with the electronic money owned by the Customer.
A "User" within the meaning of the LPSPS is an individual who is a user of payment services who, on contracts concerning the provision of payment services, performs activities different from their commercial or professional activity.
"Customer Identification" is the identification of the Customer in accordance with the procedures defined on ePay.bg and/or the system of EASYPAY.
A "User level" is a group of services, provided via a Microaccount, which the Customer may use once the procedures, defined on ePay.bg and/or the system of EASYPAY have been completed.
"ePay.bg" is a system for electronic payments available through the website of the Operator "Epay" AD or the through the mobile application of the Operator. The registration of customers in the system is performing through the website of the Operator – www.epay.bg.
III. Opening a Microaccount. Issuing and repurchasing electronic money.
1. Each Customer, an individualor a legal entity registered in ePay.bg can use a Microaccount. EASYPAY may refuse to open a Microaccount to a Customer, without having to announce any reasons or arguments about it.
2. After a Customer has registered in ePay.bg, a Microaccount is opened automatically with the personal data, provided by the Customer upon registration. The Microaccount in BGN and is opened for an indefinite period of time. The Customer confirms and declares that during the registration in ePay.bg, has provided accurate information about his/her personal data. In addition, the Customer declares that upon subsequently changing or adding information, all subsequent changes or additions to their personal data shall be true and accurate. In case material or non-material damages occur due to false or incomplete data, provided by the Customer, all consequences suffered shall be on the expense of the Customer.
3. The contract with the Customer on opening and using a Microaccount, in accordance with the current Terms and Conditions shall enter into force and is considered to be concluded after the Customer accepts the current Terms and Conditions – via the website ePay.bg – and after the issuing of electronic money on a Microaccount in exchange of the funds provided by the Customer.
4. A Microaccount may be opened for all persons, of age above 18 (eighteen) years. In order to open a Microaccount, any persons younger than eighteen years of age need a written permission by a parent or a guardian. A notarized copy of a declaration of agreement by the parent/guardian shall be submitted in person in the central or other particular office of EASYPAY.
5. EASYPAY may request data and/or documents in order to identify the Customer. Additional information about the Customer may be needed in order for EASYPAY to perform the requested services thoroughly. The Customer may confirm and/or sign any requested by EASYPAY documents, including contracts, treaties, agreements, etc. electronically via a qualified electronic signature. In case that the Customer fails to submit the requested information and/or documents in time,specified by EASYPAY, EASYPAY has theright to terminate the provision of all or some of the services provided to the Customer.
EASYPAY obeys the measures against money laundering and financing terrorism in accordance with the current legislation and its internal rules. In compliance with these measure EASYPAY may request from the Customer identity documents in order to identify the Customer, to identify their legal representatives, and persons authorised by the Customer. EASYPAY has the right to copy and request a validation via signature from the identified holders of the submitted documents.
Issuing of electronic money
6. The money stored in a Microaccount are electronic money. EASYPAY issues electronic money at nominal value upon receiving funds deposited/transferred by the Customer to their Microaccount.
7. The Customer may replenish their Microaccount via one of the following methods:
– in cash in the offices of EASYPAY after submitting the requested Customer Identification data, the Customer's identification number, Personal Identity Code (individuals)/Unified Identity Code (legal entities) or the e-mail address, registered in the Customer's profile in ePay.bg, as the limit for the particular User level is being observed;
– by bank card transaction through ePay.bg. The service is available to all Customers registered in ePay.bg until 19.12.2017. Customers registered in ePay.bg after 19.12.2017, may use the service after reaching "user level 3".
– by bank card transaction through an ATM supporting the B-Pay service.
8. The nominal value of the electronic money issued by EASYPAY corresponds to the value of the deposited/transferred amounts to the Microaccount (after the standard fees and the fees by EASYPAY, applicable to the method of payment of choice, have been deducted).
9. The funds received in the Customer's Microaccount, based on which EASYPAY issues electronic money are not a deposit and do not generate any interests for the Customer.
10. Electronic money on Customer's Microaccount may be used by him to perform payment transactions including payment of due fees and commissiona in accordance to the Tariff of EASYPAY.
Conditions for redemption
11. EASYPAY shall redeem at any time,at its nominal value the monetary value of the electronic money held by the Customer on their Microaccount.
12. The Customer has the right to request redemption at any time at nominal value of the electronic money owned by them and stored on their Microaccount.
13. EASYPAY does not charge an extra fee upon electronic money redemption request by the Customer. Whenever the Customer exercises their right for redemption, they owe only the standard fee according to the type of payment operation chosen – transfer or withdrawal – in accordance with part VII from the current Terms and Conditions, which depends on the type of transfer or withdrawal of electronic moneychosen by the Customer. EASYPAY's fees for transfers and withdrawals are published on the websites www.easypay.bg and www.epay.bg
14. The Customer may request redemptionby one of the following ways:
14.1. By initiating an order for transfering of electronic money from their Microaccount to an account specified by the Customer, opened in a bank or another payment service provider, established in the territory of the country;
14.2 By initiating through their profile at ePay.bg an electronic money withdrawal order from the Microaccount in cash,. Upon withdrawal, the Customer shall be requested to identify himself via a valid identity document;
14.3. Upon terminating the contract and closing the Microaccount, in accordance with the listed below point 15.
15. The Customer has the right to terminate the contract at any time by submitting a request for closing their registration at ePay.bg and closing of their Microaccount and following the rules and conditions provided in points 6 and 7 from section VII. Upon closing of the registration at ePay.bg, the Customer's Microaccount at EASYPAY is closed automatically.
15.1. Upon a request by the Customer for closing the registration at ePay.bg, respectively their Microaccount, EASYPAY redeems the full value of the electronic money stored on the Microaccount. The money stored on the Customer's Microaccount are being transferred to a specified by the Customer bank account or are given to the Customer in cash at one of the offices of EASYPAY. The Customer must provide a valid identity document in order to receive the money. Upon redeption of electronic money exceeding the amount of 300BGN, EASYPAY has the right to request to perform the redemption by payment through a bank transfer.
16. EASYPAY has the right to impose restrictions on redumption of electronic money in order to comply with the laws against money laundering, financing terrorism and financial frauds.
IV. Terms and conditions of use of a Microaccount
1. The Microaccount is used according to certain one-time, weekly or monthly limits described in the current Terms and Conditions. Depending on the user level, the Customer has the right to use certain services.
2. Types of user levels:
2.1. "User level 1"
Customers with "User level 1" may use the "Microaccount" under the following incoming and outgoing limits:
– Daily limit of payment operations – BGN 200.00
– Weekly limit of payment operations – BGN 300.00
– Monthly limit of payment operations – BGN 300.00
Customers with "User level 2" have a registered bank card in their customer profile at ePay.bg with which have made at least five payments on utility bills through ePay.bg. Customers with user level 2 may use the "Microaccount" under the following limits:
Customers with "user level 3" have no limits on receiving cash transactions on a Microaccount and on supplying amounts on Microaccount bycard payment at an ATM.
Upon replenishing of a Microaccount via payment through a bank card through ePay.bg and by a transfer from a Microaccount of another user, a monthly limit of 500 BGN is applied.
Customers registered at ePay.bg by 20.12.2017, who have reached "Microaccount level 3" have no limits on the incoming transfers on a Microaccount. Customers with "user level 3" can do payments up to the amount of the available funds on their Microaccount. Easypay provides IBAN and BIC as an unique identifier of the Microaccounts of Customers with "user level 3".Customers registered at ePay.bg by 20.12.2017, who have reached "Microaccount level 3" have no limits on the incoming transfers on a Microaccount. Customers with "user level 3" can do payments up to the amount of the available funds on their Microaccount. Easypay provides IBAN and BIC as an unique identifier of the Microaccounts of Customers with "user level 3".
3. Changes in the user levels are possible, when the corresponding requirements by the system of ePay.bg and EASYPAY have been met.
4. The limits on payment operations on a Microaccount may be amended upon publishing in the Internet on the website of EASYPAY and at ePay.bg. Due to security measures and regulatory requirements, EASYPAY may enforce and amend the limits unilaterally and without the agreement of the Customer, which shall be communicated to the Customer. EASYPAY has the right to amend the limits discretionary after a request by a Customer has been submitted. EASYPAY is not responsible in case such Customer requests have been declined.
5. The maximum amount accepted by EASYPAY per a single cash transfer (on replenishing of a Microaccount in cash at an office of EASYPAY AD) is 5000 /five thousand/ BGN unless some another amount has been agreed.
6. Customer Identification for using a Microaccount.
6.1 By user name and a password for accessing the Custoemr's profile at ePay.bg system. The user name and the password are defined personally by the Customer;
6.2. By a qualified electronic signature - valid and registered in the ePay.bg system in combination with user name and a password.
6.3. By a temporary SMS code – temporary password sent to the Client via an SMS on a registered at ePay.bg Customer's phone number, in a combination with a user name and a password for accessing ePay.bg profile.
6.4. By a one-time password dpass – a temporary password generated through an application based on TOTP (Time-based One-time Password), in combination with a user name and a password for accessing ePay.bg profile.
7. In order to confirm certain payment operations, EASYPAY or the Operator may request an additional temporary SMS code or one-time password dpass. In all cases, EASYPAY and the Operator have the right to request additional information about the Customer when using a Microaccount.
8. EASYPAY AD and the Operator have the right to amend the means of access and identification, listed above in points 6.1.-6.4. of Section IV as they shall inform the Customers about such amendments by announcements on the website of ePay.bg and/or on the website of EASYPAY or through another appropriate method.
Payment operations
9. Payment operations from/to a Microaccount.
9.1. Replenishing a Microaccount by depositing cash at an office of EASYPAY .
9.2. Replenishing a Microaccount via bank card payment (through ePay.bg system or at an ATM). This service is available to all customers, registered at ePay.bg until 19.12.2017. Customers who are registered at ePay.bg after 19.12.2017 may use this service upon reaching "user level 3".
9.3. Payments of goods and services to merchants registered at ePay.bg.
9.4. Money transfer in cash. The transfer shall be ordered through ePay.bg and the money shall be received at an office of EASYPAY.
9.5. Transaction to another Microaccount. The service is available to all Customers registered at ePay.bg before 19.12.2017. Customers registered at ePay.bg after 19.12.2017, may use the service upon reaching "user level 3"
9.6. Money transfer to an account, opened at another payment service provider in the territory of the country.
9.7. Periodical transfers.
10. The Customer may receive money transfers on their Microaccount or replenish electronic money, kept on their Microaccount within the limits of the corresponding user level.
Submission of a payment order for a payment/transfer on a Microaccount
11. The Customer may manage and execute payment operations on their Microaccount through:
11.1. The ePay.bg system on the Internet.
11.2. The mobile application for access to ePay.bg.
12. In order to submit a payment order through the Internet, the Customer identifies themselves via one of the means, listed above in points 6.1.-6.4. of Section IV and fills in the payment order on ePay.bg. The payment shall be confirmed by the Customer with his password for access to ePay.bg or with a one-time password dpass/temporary SMS code depending on the requirements of the system.
12.1. In order to execute a transfer to another Microaccount the Customer fills in a payment order, the unique identifier of the Microaccount of the beneficiary or their phone number, email address registered in ePay.bg as well as the amount of the transfer. EASYPAY is not responsible in case the funds are sent to a wrong beneficiary due to mistakes in the Beneficiary data filled in by the Customer.
12.2.In order to execute a transfer to a bank account, the Customer fills in the payment order the nameand IBAN account numberof the Beneficiary in the payment order as well as the amount and a reason for the transfer.
12.3. In order to execute a transfer to another Beneficiary or a withdrawal of cash from a Microaccount, the Customer fills in the payment order for a cash transfer and provides name of the Beneficiary, Personal Identity Code or Identity Document Number of the Beneficiary and the amount of the payment operation.
12.4. In order to execute standing orders the Customer provides: Beneficiary's data and bank account ( Beneficiary's name and IBAN); Amount; day of the month on which the payment shall be performed (when the date in different months happens to be on a holiday, the payment shall be performed on the following working day); frequency of the payments (the Customer chooses the number of transactions that shall be performed – how many consecutive weeks/months, according to the selected period, shall the transfer be performed); number of attempts to perform the order in case of an error (how many consecutive days shall it be attempted to perform the order in case there is an error on the date set by the Customer). The first standing order is confirmed by the Customer with a password and if the payment is successful, every next transfer shall be performed automatically.
12.5. In order to pay for goods and services to merchants registered at ePay.bg, the Customer confirms the automatically filled payment order, containing information about the Merchant, amount and reason for the payment.
13. In order to submit a payment order through the mobile application, the Customer needs to identify once in accordance with the conditions in points 6.1.-6.4. of Section IV and to give their agreement on each and every payment operation. The Customer orders EASYPAY to execute each and every payment operation by entering the password for access to the mobile application and a fingerprint whenever it is applicable to the type of mobile device being used.
13.1. In order to execute a transfer to another Microaccount the Customer fills in a payment order the unique identifier of the Beneficiary's Microaccount or their phone number, email address registered at ePay.bg, as well as the amount of the transfer.
13.2. In order to pay for goods and services to merchants registered at ePay.bg, the Customer confirms an automatically generated payment order with the Merchant's data, the amount and reason for thepayment.
14. EASYPAY has the right to refuse to execute a payment when a Customer has not filled in all mandatory data for the corresponding operation, when the Customer does not have enough funds on the Microaccount, when there is a doubt that the payment order has not been initiated by the Customer or their authorised representative, as well as all cases in which restrictions might be applied in accordance with the current legislation.
14.1. EASYPAY informs the Customer about the reasons of the refusal on the above point 14., unless there is a legal reason for such information to not be announced in accordance to the current legislation.
14.2. EASYPAY is not responsible for any harms, that might arise or have already arisen for the Customer due to the refusal of EASYPAY to execute a payment order.
Replenishing a Microaccount
15. The Customer may replenish their Microaccount via the following payment operations:
15.1. Depositing in cash at an office of EASYPAY by providing a unique identifier of the Microaccount and the amount of the deposit.
15.2. Bank card payment for replenishing a Microaccount. The payment is initiated through ePay.bg or at an ATM with an active B-Pay service by providung the unique identifier of the Microaccount and the amount of the deposit. The service of replenishing a Microaccount through ePay.bg by card is available to all Customers, registered at ePay.bg until 19.12.2017. Customers registered at ePay.bg after 19.12.2017, may use the service upon reaching "user level 3" in compliance with the limits listed in Section IV, point 2.3.
Receipt of a payment order and execution time
16. EASYPAY AD executes only allowed payment operations.
16.1. A payment operation is allowed if the Customer has ordered it in compliance with the terms and conditions listed in points 6.1.-6.4. from Section IV or has agreed on its execution.
16.2. The order or the agreement for the execution of a payment cannot be withdrawn by the payer after it has been received by EASYPAY. Payment operations ordered through the Internet or the mobile application are considered to have been received by EASYPAY at the moment of their confirmation by the Customer with their access password for ePay.bg or the mobile application ePay.bg and/or with a temporary password sent through a SMS or with a one-time password.
16.3. When a payment has been ordered and confirmed by the Customer on a holiday/non-working day, the payment order is considered to be received on the next working day with the exception of internal for the system transfers.
17. EASYPAY is not responsible if the payment operation has been executed and the funds are creditedto the Microaccount or to the payment account of a wrong Beneficiary, due to incorrect or incorrectly filled Beneficiary's information entered by the Customer.
18. In the cases in which EASYPAY has executed the payment order in accordance with the entered unique identifier/IBAN, the payment is considered executed correctly.
19. In case a payment order has not been executed due to a invalid unique identifier/IBAN account number, filled by the Customer, EASYPAY reimburses the amount on the Microaccount of the Customer on the next working day.
20. When EASYPAY and the Customer have negotiated that the payment should be executed on a specific date, the Customer may cancel the payment order no later than the end of the working day before the negotiated/setday of the payment.
20.1. Exceptions are allowed only upon an agreement by EASYPAY and in case it is technically possible to happen.
21. Payment order at an office of EASYPAY are accepted within the working hours of the office with Customers and executed in compliance with points 23. and 24.
22. When EASYPAY and the Customer have expressively negotiated that a payment should be executed on a specific date or on the day when the Customer provides the necessary amount, the receipt of the payment order is considered to be the negotiated day and if this happens to be a non-working day, the day of the receipt of payment order is the following working day.
23. Unless negotiated otherwise, an order for internal transfer between Customers' Microaccounts' is executed on the day of receipt of the order at Easypay and in case there is a sufficient amount of funds on the sender's Microaccount.
24. Transfers to an account, opened at another payment service provider (a bank), are executed on the next working day, in case that the order has been received by Easypay no later than 15:00 on a working day.
25. Upon a payment operation, ordered in favor of the Customer, their Microaccount shall be credited on the day of receipt of the funds on EASYPAY's account.26. If the amounts, transferred for executing a payment order, have been returned due to reasons beyond the control of EASYPAY (inaccurate information in the payment order, the Beneficiary's account has been closed, etc.), the Customer's Microaccount is credited with the returned funds. EASYPAY does not reimburse the Customer-payer the fees that have been paid by him for the execution of the payment order.
V. Rights and Obligations of the Customer when using a Microaccount
1. The Customer has the right:
1.1. To execute payment operations on a Microaccount in accordance with the current terms and conditions, within the amount of available funds on the Microaccount and in compliance with the transaction limits for payments and receiving of transfers for the corresponding user level.
The amount of the executed payment transaction as well as the applicable fees in accordance with the Tariff of EASYPAY, published at the website of EASYPAY and at ePay.bg, are subtracted from the amountof available funds on the Microaccount.
1.2. To receive transfers on their Microaccount up to the limit for transfers of the corresponding user level. Every time the Customer replenishes or receives transfers on the Microaccount, the funds are added to the available funds on the Microaccount and are available for the Customer to be used in accordance with the transaction limits applicable to the corresponding user level.
1.3. To stop using their Microaccount and to exercise their right of repurchasing of the remaining amount of electronic money kept on their Microaccount, in compliance with the current terms and conditions.
1.4. To receive a reference of the payments performed, as well as all received transfers on the Microaccount, by their registration at ePay.bg in accordance with the current terms and conditions.
1.4.1. The Customer may recieve a paper reference at the central office or other, specified by EASYPAY, offices; the fee for issuing such paper reference is in compliance with the Tariff of EASYPAY, published at www.easypay.bg
2. The Customer is obliged:
2.1. To keep and to not reveal to third parties any information related to passwords and other identification data in accordance with points 6.1.-6.4., via which the Customer is identified on ordering a payment on a Microaccount.
2.2. To inform immediately EASYPAY and/or ePay in case their means of identification in accordance with points 6.1.-6.4. from Section IV have been misused.
ePay – on phone number: +359 2 921 0880 or email: office@epay.bg (providing their Customer Identity Number and email address registered at ePay.bg).
EASYPAY AD – on phone number +359 2 921 0876 or email: office@easypay.bg (providing their Customer Identity Number and email address registered at ePay.bg).
In this case, the Microaccount shall be temporarily disabled until the Customer enters a new password and other security means.
2.3. To not use the Microaccount for illegal purposes including buying or selling goods and services forbidden by the Bulgarian legislation.
2.4. To not consciously undertake any actions that may impede the provision of services from EASYPAY to the Customer or to third parties.
2.5. Upon termination of service related to the Microaccount, for whatever reason, the Customer is obliged to settle immediately all existing debts to EASYPAY resulting from useing of the Microaccount.
VI. Responsibilities of EASYPAY towards the Customer
1. EASYPAY is not responsible in any way about the transactions performed or received by the Customer through Microaccount payments.
2. EASYPAY is not responsible for goods and services paid and bought via transfers from Microaccount. EASYPAY is not responsible for non-execution of such transfers by the other party which receives payments from Microaccount .
3. EASYPAY and the Operator are not responsible for incompleted or delayed payments, ordered by the Customer in case that:
3.1. The delay or the measures undertaken by EASYPAY or the Operator are in accordance with the legal requirements in relation to the prevention of money laundering, financing terrorism or financial frauds preventions;
3.2. The incomplete or delayed payment was caused by:
– Customer or the Beneficiary due to provision of invalid data for executing the transfer ;
– the payment service provider of the Payer (when the Beneficiary is a Customer of EASYPAY ) or of the Beneficiary, when the Payer is a customer of EASYPAY; .
– or the delay is due to a force majeure.
4. EASYPAY is not responsible and does not accept complaints in case that the Customer provides their password to third parties and thus perform payments on the Customer's behalf, irrespective of the way it has happened.
5. EASYPAY is not responsible and is not obliged to pay for damages or lost interests in case that the Customer is not able to execute a payment at a certain moment through the Microaccount due to cases of force majeure including technical malfunctions, communication or electricity breakdowns, etc.
6. EASYPAY is responsible and reimburses timely the Customer, in case of a non-executed or defectively executed payment operation, whenever the non-execution or the defective execution is due to a fault of Easypay. In these cases, the responsibility of EASYPAY is only for the direct losses and damages, suffered in result of the non-executed or the delayed execution of the payment operation due the fault of EASYPAY, i.eup to the amount of the fees paid by the Customer.
7. In case that the Customer claims that they have not allowed a certain payment operation or that a defective payment operation exists, the burden of proof lies on EASYPAY on determining the authenticity of the payment transaction in question, its correct registration and accounting, as well as that the operation has not been affected by a technical failure or another shortcoming if the Customer is an individual. Whenever the authenticity of the payment operation has been determined, EASYPAY performs an inspection of the correct use of the Microaccount, including the personal security characteristics listed in points 6.1.-6.4. from Section IV of the current terms and conditions.
8. If the Customer - a sole proprietor or a legal entity – that is not a user, claims that has not allowed a payment operation or that an inaccurately executed payment operation exists, the previous point 7 is not applied in relation to the burden of proof and the burden of proof lies entirely on the Customer.
9. In all cases in which the Customer did not manage to protect their security data and means of accessand identification in accordance with points 6.1.-6.4. of Section IV, the Customer is responsible and must take the risk of damages for him or for EASYPAY, due to unlawful use of the Customer's personal and security data by third parties.
The amount due by the Customer (individual) in cases on the current point cannot be more than the limit, determined in accordance with the Law on the payment services and payment systems in force. Sole proprietors and legal entities are fully responsible and takes the whole risk and all damages, arisen for him or for EASYPAY due to the unlawful use by third parties of the Customer's means of access and identification in accordance with points 6.1.-6.4. of Section IV.
10. The Customer is responsible for all harms and takes fully the damages related to unauthorized payment operations on the Microaccount, irrespective of their amount, if they have been caused due to a fraud and/or as a result of a deliberate or obviously negligent default of one or more of the responsibilities of the Customer related to the opening and/or using the Microaccount in accordance with the current Terms and conditions.
11. After the Customer has informed EASYPAY and/or ePay about an unauthorized use of identification data in accordance with points 6.1.- 6.4. of Section IV, the Customer does not take any material damages due to the use of a Microaccount for a fraud or unauthorized use of identification data, with the exception of the cases in which the Customer acted fraudulently.
VII. Restrictions on services on a Microaccount. Termination of the contract.
1. EASYPAY has the right to reduce or enlarge the types of operations available to the Customer through a Microaccount. Information about such reductions of services is available on the website of EASYPAY www.easypay.bg and the Operator www.epay.bg.
In case that the Customer does not accept the changes foreseen, they have the right to cancel their Microaccount before the entry into force of the changes.
2. EASYPAY has the right to terminate the execution of transfers, the provision of a part or all of the services available for the Customer or to block the Microaccount in any of the following cases:
2.1. Doubt of unlawful use of the Microaccount or its use for financial frauds including the case of a , received by Easypay or by the Operator for chargeback for payment made by a card or by Microaccount and registered on the Customer's Microaccount.
2.2. Upon received notification for blocking request due to doubts of loss, loss, theft, or another type of identification data for access to the Microaccount , as well a notification for unlawful use of the Microaccount from third parties.
2.3. When the Customer violates with their actions the requirements of the legislation in force or the current terms and conditions.
2.4. On the initiative of EASYPAY and the Operator due to objective reasons related to the security of the identification data of the Customer on points 6.1.-6.4. from Section IV, reasonable doubts of unauthorized payment orders by the Customer on the Microaccount or fraudulent use of the Microaccount.
2.5. Automatically – upon entering wrong identification data a certain number of times.
3. When the blocking has been initiated by the Customer, the Microaccount is blocked until the Customer presents the required by EASYPAY and the Operator identification data.
5. EASYPAY AD has the right to unilaterally terminate the service of payments on a Microaccount:
a) by a two-months notice sent to specified by the Customer address or by a notice sent to specified by the Customer email address.
b) unilaterally, without a notice, at any moment in case of violation by the Customer of the current terms and conditions. In this case, as well as in case of doubts of violation of the legislation in force of the Republic of Bulgaria, EASYPAY has the right to immediately block the use of the Microaccount by the Customer, both for receiving and making payments .
6. In case that EASYPAY terminates the provision of services on the Microaccount of the Customer on the conditions of the current terms and conditions, the funds kept on the Microaccount of the Customer shall be transferred to a bank account, specified by the Customer or made available in cash to the Customer at an Easypay office.
7. The Customer has the right to terminate the contract and close the Microaccount unilaterally at any time. In such cases, the Customer is obliged to discharge fully of their obligations to EASYPAY, arisen from the use of the Microaccout.
8. Upon termination of the contract with the Customer and closing the Microaccount, irrespectively of the reasons for that, as well as the cases of termination of services on the above mentioned point 6, EASYPAY has the right to deduct from the Microaccount all fees due by the Customer for services provided by EASYPAY, as well as costs, including and not only fines, compensations for damages suffered by EASYPAY caused by violations by the Customer of the current terms and conditions, payments executed by EASYPAY in relation to chargebacked payments, registered on the Microaccount of the Customer.
VIII. Fees and Commissions.
1. When executing payment operations bythe Microaccount or receiving money on a Microaccount, the Customer owes fees in accordance with the current tariff of EASYPAY, which is an integral part of the current terms and conditions and is published on the Internet at the website of EASYPAY www.easypay.bg and the Operator www.epay.bg.
2. EASYPAY has the right to withhold on its own the fees and commissions due by the Customer for execution of payment operation made by the Microaccount, from the electronic money owned by the Customer on their Microaccount, in case the Customer has not paid them in another way. Thus the amount of the unused amount of electronic money owned by the Customer in their Microaccount shall be deducted with the amount of the fees
3. If the fees due by the Customer have not been deducted at the time of execution of the payment operation by the Microaccount, EASYPAY has the right to deduct them subsequently, after the execution of the payment operation.
IX. Reference information and reports. Amending transfers.
1. The Customer has access to a reference of the payment operations and transfers received on the Microaccount at any moment through their customer profile at ePay.bg. Information on the executed payment operations is proved through the existing records in the system of EASYPAY and/or Epay about the date and time of obtaining the information by the Customer of the corresponding reference Customer may receive notifications about every single payment operation via email, provided by the Customer in their profile at ePay.bg. When the payment order has been filed by the Customer through the means of security and identification on points 6.3. and 6.4. from Section IV, EASYPAY takes for granted that the Customer has been notified about the execution of the payment operation at the moment of its confirmation. EASYPAY may make available for the Customer references and/or statements of the transfers on their Microaccount through other means, in form and periodicity negotiated with the Customer, in which case EASYPAY has the right to collect fees in accordance with the Tariff of EASYPAY published on the website of the company www.easypay.bg
Amending transfers
2. The Customer has the right to initiate chargeback for executed operations, registered in the information on the previous point 1, by filing a written objection to EASYPAY within 14 days of the date on which the Customer has become aware of the execution of the payment operations.
3. EASYPAY amends the payment operation on request by the Customer only if notified by the Customer timely in compliance with the terms of point 2 from Section IX, and not later than 13 months from the date on which the amount of the chargebacked payment operation has been deducted from the Microaccount.
Operations performed by EASYPAY on its own
4. In case of funds received on a wrong Microaccount due to a mistake made by a payment service provider , irrespective of whether the Customer is a sender or a beneficiary on the wrong transfer, EASYPAY on its own has the right to order the Microaccount to pay the amount of the wrong transfer and notifies the Customer for the corrections performed. When the Microaccount has been replenished as a result of a fraud, EASYPAY has the right on its own to debit the Microaccount with the corresponding amount and to execute a correctional transfer in order to refund the unlawfully received amounts on the account of the sender or on the account of the provider of the payment services of the sender, with which the Customer agrees unconditionally and irrevocably by accepting the current terms and conditions.
X. Challenges. Dispute resolutions.
1. In case of an inaccurate execution or a failure to execute a payment operation, related to the electronic money owned by the Customer on a Microaccount, the Customer may submit a written objection to EASYPAY . All documents necessary for the dispute to be settled shall be attached to this written objection.
1.1. The date of receiving of the objection is considered to be the day of receiving by EASYPAY of all documents, proving its justification.
2. EASYPAY notifies the Customer in written about its decision on the objection within 14 days from the day of receiving of the objection by Easypay.
3. In case that the Customer does not agree with the decision of EASYPAY or does not receive such decision on their objection in the above mentioned time limits, they might forward the dispute to the Payment Disputes Cancellation Commission or to the competent Bulgarian court.
XI. Means of communication between the parties.
1. The Customer communicates with EASYPAY and/or the Operator Epay AD through the following means:
1.1. In written form or by visiting the head office of EASYPAY or Epay, located at:
Sofia ZIP code 1000
16 Ivan Vazov, str.
1.2. By the phone numbers and/or email addresses, published at the website of EASYPAY – www.easypay.bg and the Operator www.epay.bg.
2. EASYPAY and Epay communicate with the Customer through the email address, phone number and postal address, provided by the Customer.
3. All written declarations and responsibilities, as well as the agreement, interpretation and application of the current terms and the applicable language is Bulgarian.
XII. Amendments of the terms and conditions and the tariff.
1. EASYPAY may amend and add to the current terms and conditions at any time, as well to amend and add to the Tariff. The Customer – an individual shall be notified about such amendments and additions at least two months before the amendments and/or additions enter into force.
2. The notification is made available by EASYPAY through the website of EASYPAY – www.easypay.bg and/or the website of the Operator Epay www.epay.bg or in paper form at the offices of EASYPAY in Bulgarian language.
3. The range of the services provided in accordance with the current terms and conditions may be expanded unilaterally by EASYPAY, as in this case the two-month notification is not applied.
4. In case that the Customer does not notify EASYPAY in written form that they do not accept the amendments of the terms and conditions and/or the Tariff before the date on which the amendments enter into force, EASYPAY considers that the Customer agrees with the amendments of the terms and conditions and/or the Tariff and is considered to be bound by them.
5. In case that the Customer notifies in written form EASYPAY, that they do not accept the amendmentsbefore the date on which the amendments enter into force, the Customer has the right to terminate their Contract before the date on which the amendments to the current terms and conditions enter into force, without being held liable for any expenses or compensations.
XIII. Processing of personal data.
1. The Operator and EASYPAY are administrators of personal data in the meaning of Regulation (EU) 2016/679 of the European Parliament and the Council on the protection of natural persons with regard to the processing of personal data and on the free movement of such data which entered into force on May 25th 2018., as well as the national legislation. EASYPAY and Epay process personal data alone or jointly with other payment service providers and system operators, determined by the Payment services and payment systems law (PSPSL).
2. The data related to payments through ePay.bg as well as the Customer identification data are processed jointly by Epay and EASYPAY in accordance with the current terms and conditions.
3. Information about the purpose and reasons of processing of the Customer's personal data, time limits of their preservation, types of receivers of personal data, as well as the means of exercising the right to correct, restrict the processing of, and deletion of personal data is published on the website of the Operator – www.epay.bg, and on the website of EASYPAY – www.easypay.bg in their declarations of confidentiality and protection of the personal data.
The current terms and conditions enter into force on April 7th 2019.
© ePay.bg 1999-2019
office@epay.bg

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