YONDER ACCOUNT TERMS AND CONDITIONS (NETHERLANDS)
Version 1.0, 26 March 2026
1. Who is this agreement between?
1.1. The parties to this agreement are:
1.1.1.Yonder Technology Netherlands B.V. (“us”, “we”, “our” or “Yonder”);
1.1.2.Transact Payments Malta Limited (“TPML”); and
1.1.3. you,the account holder.
1.2. Yonder is a private limited liability companyincorporated in the Netherlands with KvK number 98050702 and whose registeredoffice is at Herengracht 450, 1017 CA Amsterdam.
1.3. Yonder is appointed as an electronic moneydistributor by TPML and acts on TPML’s behalf to:
1.3.1.promote electronic money products to customers; and
1.3.2.provide a means, via the Yonder Platform (also referred to as the “YonderApp”), for the submission of customer instructions to TPML for the issuance orredemption of electronic money.
1.4. Yonder is solely responsible for providing theYonder Account and for maintaining the Yonder Platform to enable you to:
1.4.1.access your Yonder Account to view your electronic money balance andtransaction history;
1.4.2.manage your Points and Rewards; and
1.4.3.transmit instructions to TPML regarding the electronic money and payment services.
1.5. TPML is a private limited liability company,incorporated and registered in Malta with company number C 91879 and registeredoffice of Vault 14, Level 2, Valletta Waterfront, Floriana, FRN 1914, Malta,and which is authorised by the Malta Financial Services Authority as anelectronic money institution.
1.6. TPML is solely responsible for:
1.6.1.issuing the Yonder Debit Card in accordance with TPML’s licences from the MaltaFinancial Services Authority (“MFSA”)and from Mastercard Europe sprl, the payment network applicable to the Card;
1.6.2.providing the electronic money account (also referred to as your “Wallet”)which is opened alongside your Yonder Account and is accessible via your YonderAccount on the Yonder Platform, in accordance with TPML’s licence granted bythe MFSA; and
1.6.3. any associatedobligations that are connected with its licensed status under the regulationsrelated to electronic money and payment services in Malta.
1.7. From time to time, Yonder may offer you theopportunity to participate in promotional activity, such as cashback, discountpromotions or rewards programmes. Even though using the Yonder Debit Card maymake you eligible for these promotions, they are not provided by, or connectedto, TPML and they are not governed by this agreement. As a result, TPML acceptsno liability or responsibility for your use of such promotions. If you have anyqueries regarding promotions offered to you by Yonder, please contact Yonder.
2. What does this agreement cover?
2.1. These terms and conditions (“Terms”) form anindependent legal agreement between you and TPML in respect of your Wallet and your Yonder Debit Card.
2.2. These Terms form a separate legal agreement betweenyou and Yonder in respect of your Yonder Account and the Yonder Platform.
2.3. Please read through these Terms carefully and let usknow if you have any questions.
2.4. A copy of these Terms will always be availablethrough the Yonder App and will also be emailed to you in order that you cankeep a copy for your records. These Terms should be read alongside other Yonderterms and conditions that you have signed up to (e.g., the Rewards Terms andConditions). In the event of any inconsistency, these Terms will prevail.
3. What is your Yonder Account and what can you use it for?
3.1. Yonder operates the Yonder Platform through whichyou can access your Yonder Account and the benefits and services available onthe Yonder Account.
3.2. Through your Yonder Account, you may:
3.2.1.Access rewards and benefits (for further information, please see the RewardsTerms and Conditions);
3.2.2. Addfunds to your Wallet and use the Yonder Debit Card to make purchases (forfurther information, please see clause 4 below).
3.3. Your Yonder Account should only be used in the waysdescribed above and for personal use only – it is not permitted for business orcommercial use. If you choose to add funds to your Wallet, funds held in theWallet will not earn any interest. Payments out of your Wallet are generallyonly permitted to accounts held in your name. The Wallet is an electronic moneyproduct and not a bank deposit or savings account. As such, your funds are notcovered by the Depositor Compensation Scheme in Malta, the Deposit GuaranteeScheme in the Netherlands, or any similar government-backed scheme. You shouldnot hold funds in your Wallet for any extended period of time.
4. Using your Yonder Account and Wallet
4.1. Opening a Yonder Account and Wallet:
4.1.1.Yonder Accounts and Wallets are only available for people aged 18 and over. Youmust provide us with the following information when applying for a YonderAccount and Wallet:
4.1.1.1.Your full legal name;
4.1.1.2.Your date of birth;
4.1.1.3.Your current and in some cases your previous residential address;
4.1.1.4.Your email address and mobile phone number;
4.1.1.5. Avalid form of identification (such as a passport or driving licence); and
4.1.1.6. Anyother details requested by us about your household socio-economiccircumstances.
4.1.2.Opening a Yonder Account and Wallet, and being issued a Yonder Debit Card, isalso subject to you completing what is known as a Know Your Customer (KYC)check.
4.1.3. TPML,or Yonder for TPML, may request information in addition to the above, and wemay need to verify your identity using the information above for fraud oranti-money laundering purposes, or where we consider it reasonably necessary inline with our regulatory obligations.
4.1.4. Youare only allowed to hold one Wallet and one Debit Card. If we discover that youhave more than one Wallet and/or Debit Card, we may block them and terminatethis agreement.
4.2. Yonder Account generally
4.2.1. Thereare no fees associated with opening and maintaining a Yonder Account or Wallet(although fees and charges may apply to the Yonder Debit Card depending on yourmembership tier).
4.2.2.Please see clause 7 for how to add funds to your Wallet.
4.2.3. Ifyou have requested a Yonder Debit Card, when you receive your Yonder Debit Card(whether digital or physical) you can activate it by using the Yonder App. Youwill have the option to order a physical card for free.
4.2.4. Ifyou lose your card, we will replace the first one for free, but for anyadditional replacements, the applicable fee depends on your membership tier(Free Membership: €5 and Full Membership: €10).
4.2.5. Ifyou owe us money, you authorise us to instruct TPML to deduct the equivalentamount from any funds held in your Wallet and transfer it to us.
4.3. Yonder Debit Card
4.3.1. YourYonder Debit Card can be used to make purchases from which you can generaterewards.
4.3.2. YourYonder Debit Card does not include an overdraft feature, and you are notpermitted to allow your Wallet balance to become negative. You must immediatelyrepay any negative balance on your Wallet and you will be liable for any costsincurred by us or TPML in any action to recover such monies.
5. Membership Tiers
5.1. There are two tiers of Yonder Account membership:(i) Free and (ii) Full. The membership tier you have selected, along with anyrelevant fees, will be shown in your Yonder Account. Membership fees arenon-refundable, except if you have paid an annual membership fee and theagreement is ended either (i) by us, without giving any reason, or (ii) by you,if you don’t wish to accept a change we have made to the agreement and you letus know you would like to end the agreement within the relevant notice period.If so, you will be charged an amount equivalent to the monthly membership feefor each month before the agreement ended and the balance of the annualmembership fee will be credited to your Yonder Account.
5.2. Please confirm in the mobile app or via the in-appchat if you wish to move membership tiers. Moving membership tiers is subjectto approval by us. If approved, you will be notified of any new fees or chargesassociated with the new membership and the changes will take effectimmediately.
5.2.1.Subject to clause 5.7, if we decide to move your membership from Full to Free,unless you request the change to take effect immediately, we will give you twomonths’ notice;
5.2.2. Ifyou do not agree with the proposed change in your membership tier, you mayterminate this agreement without charge before the change takes effect. If youdo not do so, we will treat you as having accepted the new terms.
5.3. You will not be allowed to move between membershiptiers if you have a Yonder Debit Card and your balance is negative, or you areotherwise in breach of this agreement.
5.4. If you have any questions on your membership tier,or how you move between tiers, please contact us.
5.5. Membership benefits that are offered with youraccount (for example, rewards points or insurance) are subject to the RewardsTerms and Conditions. We'll communicate separately with you in relation tothose benefits.
5.6. Please note that membership benefits (such as anyapplicable insurance) will end when your Yonder Account is terminated.
5.7. Notwithstanding anything to the contrary in thisagreement, if (i) your Wallet balance is negative, or (ii) you are otherwise inbreach of this agreement, we may with immediate effect move your membershipfrom Full to Free and/or suspend your Yonder Account. Any benefits specific toFull (such as any applicable insurance) will end when your membership is movedto Free, and will be unavailable for the duration of the suspension, if yourYonder Account is suspended.
6. What if you need help?
Please contact Yonder in the first instance for anysupport. You can contact us using the in-chat app on your Yonder App, or athelp@yonder.com . If we are unable to provide you with the support you require,we may refer you to TPML for additional support (as relevant).
7. Adding funds to your Wallet
7.1. You may transfer funds into your Wallet by banktransfer using the account details we provide you in the Yonder Platform. Anyfunds transferred into your Wallet must come from a personal account in yourname unless we specifically permit otherwise.
7.2. Funds transferred into your Wallet will normally beavailable within a few minutes. We or TPML may refuse to accept payment intoyour Wallet if:
7.2.1. suchpayment would exceed your account limit;
7.2.2. youand/or the payment are subject to an investigation;
7.2.3. thereis any suspicion that the payment is fraudulent or in breach of applicablelaws; or
7.2.4. youand/or the payment are otherwise in breach of the terms of this agreement.
7.3. You can check the balance of your Wallet via yourYonder Account on the Yonder Platform.
7.4. There may be a limit as to how much you can add toyour Wallet. This limit will be shown in your Yonder Account.
7.5. You can always request to withdraw any remainingfunds held in your Wallet to a personal bank account in your name. We or TPMLmay require you to provide certain documents in order to verify your request(e.g., a bank statement). Transfer of the funds to your account may take up to5 business days after your request has been verified.
8. Limits
We may set and vary limits and restrictions on certainuses of the Yonder Debit Card or certain transactions. For example, cashadvances or contactless purchases may be subject to maximum amounts. You canfind out if there are such limits by checking your mobile app or our website.We may also communicate such limits to you directly. Please note that thelimits may vary from time to time and so you should check them regularly.
9. How you can authorise and cancel transactions
9.1. A transaction is a payment you make with your YonderDebit Card (“Transaction”).
9.2. You authorise a Transaction by presenting a YonderDebit Card or providing your card details and, if required, using your securitydetails (such as a PIN, passcode, personal identifiers, biometric data or otherdetails).
9.3. You can't cancel purchases you make with a YonderDebit Card.
10. When we can refuse to make a Transaction
10.1. TPML, or Yonder for TPML, may refuse to process aTransaction if:
10.1.1. wehave reasonable grounds to suspect unauthorised or improper use or fraud;
10.1.2. wereasonably consider that acting on your instructions might lead to:
10.1.2.1. abreach of law, regulation, code or other obligation; or
10.1.2.2.action from a government, law enforcement agency or regulator; we're legallyrequired to;
10.1.3. useof the Yonder Debit Card (as applicable) would be prohibited;
10.1.4. theWallet or Card is suspended, restricted or terminated;
10.1.5. thesender has provided incorrect/invalid Wallet details for the Wallet;
10.1.6. youhave insufficient funds available in your Wallet;
10.1.7. theTransaction would exceed the transaction limit in clause 8; or
10.1.8. theTransaction is not permissible under these Terms. Non-permissible Transactionsinclude:
10.1.8.1.cash advances in sanctioned countries; and
10.1.8.2.illegal transactions.
For anup-to-date list of non-permissible Transactions, please see https://yonder.com/nl/prohibited-transactions. This list may change from time to time.
10.2. You may not use your account for illegal activitiesor in a manner which disguises the true nature of the Transaction, for example,by obtaining cash through a Transaction which you know will be treated as apurchase of goods and services, or by using your Yonder Debit Card at amerchant you own or control. Such use will be a breach of these Terms and maylead to suspension of your account.
10.3. If we or TPML do refuse a Transaction, you'llnormally be told at the point of sale. In all cases, you can find out aboutTransactions we've refused, including the reasons why or any limits we may haveput on your Yonder Account via our in-app chat on your mobile app. We'll letyou know this information unless the law or any regulation prevents us fromdoing so or for fraud prevention or security reasons.
10.4. You cannot use your Yonder Debit Card after itsexpiry date. If your Yonder Debit Card is reaching its expiry date, we willautomatically issue you with a replacement card, unless you ask us not to.
10.5. You can use the Yonder Debit Card to carry out aTransaction at any merchant which accepts Mastercard. Certain merchants may notaccept Transactions and neither we nor TPML accepts any liability for amerchant's inability to accept payments made through the Yonder Debit Card. Itis your responsibility to check what restrictions a merchant may apply.
11. Transactions you haven't authorised
11.1. You're not responsible for any Transactions:
11.1.1. madeusing the physical Yonder Debit Card before you receive it (for example, ifyour physical card is stolen in the post);
11.1.2.where we haven't told you how you can contact us to notify us that your YonderDebit Card or security details have been lost, stolen or compromised;
11.1.3. ifwe fail to apply procedures that we're legally required to use to check that apayment has been authorised by you; or
11.1.4. notauthorised by you or any person you allowed in breach of these Terms, to useyour account or Yonder Debit Card.
11.2. You're responsible if you:
11.2.1. haveacted fraudulently in using your Yonder Account;
11.2.2. haveacted with intentional or gross negligence in failing to comply with yoursecurity obligations under clause 12 of these Terms.
11.3. If there are errors in a Transaction and this isour fault, we'll give you a refund of the amount of the payment plus any extrainterest and charges that you incur as a result, provided you tell us about theerrors without undue delay and in any event no later than 13 months after thedate on which the Transaction was debited to your account. We may then resubmitthe correct Transaction.
11.4. If upon contacting us, you wish to dispute aTransaction, we'll initiate an inquiry and may suspend the Transaction on yourYonder Account if we reasonably consider there to be a valid dispute. Onceinvestigations are complete, we'll adjust your Yonder Account accordingly, andwhere relevant, we will provide a refund under this clause 11 at the end of thenext business day after we have concluded our investigation.
12. Theft, loss or misuse of the Yonder Account
12.1. Reference to your Yonder Account in this clause isa reference to your use of the Yonder Account, your Wallet, and any YonderDebit Card issued to you.
12.2. You must:
12.2.1. keepyour Yonder Debit Card safe and secure (including using device passcodes,biometric data or other security details where applicable);
12.2.2.never share your device passcodes or other security details (including any onetime passwords) with others;
12.2.3. notlet others use your Yonder Account (including your Yonder Debit Card),including selling your Yonder Debit Card to others, and you must regularlycheck you have not misplaced either card;
12.2.4.never add your Yonder Debit Card to another person’s Apple Wallet or GooglePay(or equivalent digital wallet);
12.2.5. notgive the Yonder Debit Card or card number to anyone else other than for thepurpose of making a transaction and not share your security details with anyoneelse; and
12.2.6.choose a PIN or passcode that is not easy to guess.
12.3. You must have the Yonder mobile app installed onyour device to enable management of your Yonder Account. As part of this youmust:
12.3.1. keepyour device and your security details safe and secure at all times, in the sameway you would your card or PIN;
12.3.2.always use the lock feature on the phone or other device, where applicable; and
12.3.3.never share your security details or allow another person to have access to thedevice in a way which allows them to make transactions using the Yonder DebitCard registered on the device.
12.4. You must freeze the Card in the Yonder App so thatit cannot be used or tell us straight away so that we can block it if yoususpect:
12.4.1. aYonder Debit Card has been lost or stolen or not received;
12.4.2. amobile phone or other device to which your Yonder Account has been registeredhas been lost, stolen or compromised;
12.4.3.someone else knows a PIN or other security details; or
12.4.4. yourYonder Account or a Yonder Debit Card is being misused or used withoutauthorisation, or a transaction on the account has not been authorised or hasbeen processed incorrectly.
12.5. If you don’t comply with the clauses in thissection, you may not be able to claim any losses that you suffer as a result ofthe theft, loss or misuse of the Yonder Debit Card or Wallet.
12.6. If you, we or TPML suspect that your Yonder DebitCard has been lost, stolen or used fraudulently, you must cooperate with us,our agents, TPML and their agents, and any regulatory authority or lawenforcement agency.
12.7. Our contact details are at the beginning of thisagreement.
13. Verification ofPayee
13.1. The Verification of Payee (“VoP”) service is provided to you to help reduce fraud and misdirectedpayments. This service checks whether the name provided by you as a payermatches the account details (e.g., IBAN or sort code and account number) of theperson you are intending to pay (“payee”) before a payment is authorised.
13.2. When initiating a payment, you mayreceive one of the following responses (or a similarly worded response):
13.2.1. Match – the payee name matches the accountdetails;
13.2.2. Close Match – a similar name is found (youwill be shown the actual name to verify);
13.2.3. No Match – the name does not match theaccount details; or
13.2.4. Unavailable – the check could not becompleted due to technical or opt-out reasons.
13.3. You are responsible for reviewing theVoP response before authorising a payment.
13.4. If you proceed with a payment despitereceiving a “No Match” or “Close Match” (or a similarly worded response)response, you accept the risk of misdirected funds and may be liable for anyresulting loss. This means that you may not be able to obtain a refund in thisinstance.
13.5. TPML will perform VoP checks inaccordance with applicable law.
13.6. Neither we nor TPML are liable (andtherefore you will not be entitled to a refund) in the following situations:
13.6.1. for losses resulting from paymentsauthorised by you despite receiving a “No Match” or “Close Match” (or asimilarly worded response) response;
13.6.2. if you receive a “Match” (or asimilarly worded response) response but the person who receives the money isnot your intended recipient;
13.6.3. for losses resulting from your use ofthe VoP service where we reasonably suspect you have acted in a grosslynegligent way or used the VoP service for fraudulent or other illegal purposes;or
13.6.4. in any other situations save forwhere we or TPML are liable under applicable law.
13.7. We or TPML are liable only where a VoPcheck was not properly performed due to our or TPML’s error and this directlyresulted in a misdirected payment. If we or TPML are liable we or TPML willrefund you the amount transferred (or otherwise restore your debited paymentaccount to the state in which it would have been had the transaction not takenplace).
13.8. You confirm you are aware that:
13.8.1. the VoP service is a name-checkingtool and does not guarantee the identity of the payee;
13.8.2. the VoP service may not detectfraudulent accounts with similar names or spoofed identifiers;
13.8.3. VoP responses are based on dataprovided by third-party payment service providers and may be subject toavailability or accuracy limitations; and
13.8.4. VoP checks involve the exchange oflimited personal data (e.g., name and account details) between payment serviceproviders. All data is processed in accordance with applicable law and ourPrivacy Policy.
13.9. TPML reserves the right to modify,suspend, or discontinue the VoP service at any time. Any changes will becommunicated through the standard customer notification channels.
14. Payments into your account by mistake
14.1. If we make a payment into your Yonder Account bymistake or as a result of a system error, we'll automatically take the amountout of your Yonder Account.
14.2. If we're told that a payment was made into yourYonder Account as a result of someone else's mistake (for example, if the payergave the wrong account number or reference), but, when we contact you, you tellus the payment was intended for you, we may be legally required to share allrelevant information including your name and address and transactioninformation with the bank the payment came from if they ask us so that thepayer may contact you.
15. Converting transactions made in a foreign currency
15.1. If we receive a Transaction or refund forprocessing in a foreign currency, the exchange rate we use will be theMastercard foreign exchange rate and we will not apply a transaction charge.Exchange rates can go up and down quickly and they may change between the timeyou make a Transaction and the time it is deducted from your Wallet or YonderDebit Card. You agree that any change to the exchange rate may be appliedimmediately and without us giving you any notice.
15.2. In order to allow you to compare charges forcurrency conversion, you can view the real-time percentage difference betweenthe amount that will be charged on your Yonder Debit Card for a foreigncurrency Transaction (consisting of the mark-up applied by Mastercard) and thelatest available euro foreign exchange rates issued by the European CentralBank. You can view this information on the Yonder website. We do not add anyadditional mark up to the exchange rate. This information will also be sent to youby push notification after making a foreign currency Transaction, where the lawrequires us to do this. You can opt out of receiving this information via theYonder App.
15.3. When you make a Transaction in a foreign currency,you may be given the option of allowing a third party (for example, theretailer) to convert your Transaction into Euros before submitting it to us. Ifyou decide to do this, the exchange rate and any commission or charge will beset by the third party and may include a commission or charge. As we'll receivea Transaction converted by a third party in Euros, we won't apply a non-Eurotransaction fee.
16. What we are not responsible for
16.1. We shall have no liability for any failure toprovide, or any delay in providing, or for suspending your Yonder Account inaccordance with these Terms to the extent that such failure, delay orsuspension results from:
16.1.1. yourfailure to comply with your obligations under these Terms, or to provide uswith information or updates as reasonably required or requested by us;
16.1.2. youproviding us with incorrect payment instructions; or
16.1.3. apending investigation into any specific payment instruction or activity on yourYonder Account.
16.2. If we break this agreement, we won't be liable toyou for losses and costs caused by abnormal or unforeseeable events, that wecannot reasonably control and which would've been unavoidable despite allreasonable efforts to prevent the event happening.
17. When can we suspend your Yonder Account
17.1. We may suspend or revoke your right to accessand/or use your Yonder Account (including your Yonder Debit Card and/or Wallet)if:
17.1.1. TPMLterminates or suspends your Yonder Debit Card or Wallet;
17.1.2. youbreach these Terms in a material way;
17.1.3. wereasonably believe that it is necessary to do so for legal, regulatory orsecurity reasons, or to protect Yonder. This might happen, for example, if webelieve that your Yonder Account has been compromised, or that someone else ismaking (or attempting to make) requests on your behalf;
17.1.4.there is a dispute over your entitlement to any funds in your Yonder Account;
17.1.5. youare subject to any sort of bankruptcy process;
17.1.6. youhave a Yonder Debit Card and your balance is negative; or
17.1.7. ifwe have other serious grounds or valid reasons for doing so including forexample, legal or regulatory reasons or suspected misuse of Yonder’s servicesor suspected fraudulent or criminal activity.
17.2. We cannot be responsible for any losses you mightsuffer if we suspend or revoke your right to access and/or use your YonderAccount under this clause 17 unless this has arisen as a result of ournegligence.
17.3. We'll normally notify you beforehand or immediatelyafterwards and where possible, will provide you with the reasons.
17.4. We will act reasonably and proportionately inexercising any of our rights under this clause 17 and you are entitled tocomplain about such action by us in accordance with clause 26, if you areunhappy.
17.5. If your Yonder Account is suspended, you must notuse your Yonder Debit Card, and you must inform retailers not to seek to takeany further payments from your Yonder Account. We'll allow you to use theYonder Account, if the reasons we suspended your account in the first place nolonger apply. You can tell us this is the case and request reinstatement vialive chat within our mobile app or via email.
18. Changes to your Yonder Account and Yonder Platform
18.1. Yonder can change the provisions in these Terms thatrelate to the Yonder Account and/or Yonder Platform for any of the followingreasons:
18.1.1.where the costs to us of providing your Yonder Account change or we have a goodreason to expect that they will change;
18.1.2.where the change is either good for you (including where we're making thechange to improve the security of your account or we're making the agreementclearer or fairer) or neutral;
18.1.3.where we're changing the membership benefits offered with your Yonder Account;
18.1.4. toreflect changes or developments in the technology or systems which we use;
18.1.5. toreflect a change in law, regulation or industry codes of practice (includingwhere we have a good reason to expect a change), or to reflect a decision by acourt or regulator.
18.2. We'll give you at least two months’ advance noticeof the change, unless we are unable to for a good reason, for example, we arerequired to make the change quicker for legal or regulatory reasons. In thiscase, we'll give you notice but we may make the change more quickly, includingon the same day as the change is notified to you. We'll always give you detailsof when the change will take effect.
18.3. If you don't want to accept any change, then youcan always end this agreement by telling us to close your Yonder Account (seeclause 25 ‘Closing your Yonder Account’ below). If you don't do this, we'llassume you've accepted the change.
19. Changes to these Terms relating to your Yonder Debit Cardand Wallet
19.1. TPML can update or amend the provisions in these Termsthat relate to the Yonder Debit Card and/or Wallet at any time if they give youat least two months’ notice first. If they do this, they will ask Yonder tonotify you by email.
19.2. If you don’t agree with TPML’s proposed change, youcan end this agreement at any time within the two-month notice period. You canalso withdraw any unused funds on your Wallet at that time without incurring afee. If you don’t notify Yonder before the two-month deadline, we will considerthat you have accepted the change to the agreement.
19.3. If any part of this agreement doesn’t comply with anyregulatory requirements, then we or TPML will not rely on that part, but will treatit as if it did actually reflect the relevant regulatory requirement. If weneed to make operational changes before we can fully comply with a newregulatory requirement, we will make those changes as soon as we reasonablycan.
20. TPML’s liability
20.1. TPML shall not be liable for:
20.1.1. anyloss which occurs from anything which is directly or indirectly beyond TPML’scontrol. Examples of this include: if there aren’t enough funds in an ATM, ifthe ATM network fails, if you can’t withdraw funds due to the ATM operatorsetting limits on funds that can be withdrawn or if their data processingsystem doesn’t work properly;
20.1.2. anyloss of profits, loss of business, or any indirect, consequential, special orpunitive losses;
20.1.3. anyloss arising from any use of the Wallet or Yonder Debit Card that does notcomply with this agreement;
20.1.4. anygoods or services that you buy with the Yonder Debit Card;
20.1.5.anyone refusing to accept the Yonder Debit Card; and
20.1.6. anydamages that you suffer due to loss, fraud or theft that you have reportedlater than 13 months after the event/debit date.
20.2. If the Yonder Debit Card is faulty and this isTPML’s fault, TPML’s sole responsibility will be to replace the Yonder DebitCard.
20.3. If funds are incorrectly deducted from your Walletand this is TPML’s fault, TPML’s sole responsibility will be to pay you thecorrect amount.
20.4. Nothing in this agreement shall exclude or limitTPML’s liability for death or personal injury resulting from TPML’s negligenceor fraud.
20.5. The exclusions and limitations set out in thisclause will also apply to any of TPML’s partners, including Mastercard andother suppliers, contractors, representatives and any of their partners (ifany) which may arise in connection with this agreement.
21. Using a third-party provider (TPP)
21.1. A TPP is a third-party service provider that'sauthorised by or registered with any European Economic Area (EEA) regulator orotherwise permitted by law to access your account information.
21.2. You can choose to authorise TPPs to provideservices to you by accessing your Yonder Account. If you use a TPP, these Termswill still apply. We'll give the TPP access to the same account informationthat you'd be able to access if you were dealing with us online.
21.3. We may also refuse to allow a TPP to access yourYonder Account if we're concerned about unauthorised or fraudulent access bythat TPP. If we do, we'll tell you why in the way we think is most appropriate(unless doing so would compromise our reasonable security measures or otherwisebe unlawful).
22. Statements and legal notices
22.1. We'll send statements regarding your Yonder Accountto you via your Yonder App monthly. This will include details on your Walletactivity for the month.
22.2. We may send you notices (including any informationwe're legally required to send you, such as information about changes to thisagreement or other agreements we have with you) on or together with yourstatements.
22.3. In addition to payment information, each statementwill show all transactions and amounts charged to your Wallet in the statementperiod and the total account balance.
22.4. Always check each statement and contact us as soonas possible if you need more information about anything. Where we are requiredto do so by law, we will send certain legal notices to you by post.
22.5. You may request a copy of these Terms at any timefree of charge by contacting us via live chat within our mobile app or viaemail.
23. Contacting you
23.1. We may send you important messages and othercommunications (including alerts about certain activity on your account) aboutyour Yonder Account, Wallet, Yonder Debit Card or membership benefits in linewith your preferences. This could be by email, SMS, mobile push notificationsor via your statements on your mobile app. For example, we may send you analert to confirm that you've updated your contact information.
23.2. There are some messages we need to send you (suchas statements of your account or security alerts), but you can opt out ofreceiving other alerts or communications (such as marketing) by updating yourpreferences on your mobile app or contacting us via the in-app mobile chat.
23.3. If we need to contact you about any actual orsuspected fraud or security threats, we'll do this using the fastest and mostsecure way of contacting you (for example, we may try to send you a textmessage rather than calling you).
23.4. It is important to note that we will never contactyou and ask for the following: your full card number, your physical card, oryour full card PIN number.
24. Changing your contact details
24.1. We'll use your most recent contact details tocontact you. You must notify us immediately if you change your residentialaddress or email address. Your residential address for your account must alwaysbe an address in the Netherlands.
24.2. We may update your contact details if we receiveinformation that they have changed or are incorrect. If we've been unable todeliver any communications or these have been returned, we may stop attemptingto communicate with you until we receive accurate contact information.
24.3. Any legal notices will be posted to you on yourmobile application or sent to your last known mailing address or email address.
25. When your Yonder Wallet or Debit Card or Yonder Account canbe closed
25.1. These Terms will have no fixed duration and willcontinue until any party ends them in accordance with these Terms.
25.2. You can end these Terms at any time in the YonderApp, by calling us or writing to us in the in-app chat to tell us to close yourYonder Account.
25.3. You must have a Yonder Account in order to use theWallet or Yonder Debit Card. Therefore, if you ever close your Yonder Account,we will immediately close your Wallet and your Yonder Debit Card.
25.4. We can close your Yonder Account, or TPML mayterminate your use of the Wallet and/or Yonder Debit Card, by giving you atleast two months' written notice. We can immediately close your Yonder Account,or TPML may immediately terminate, suspend or limit your use of the Walletand/or Yonder Debit Card if:
25.4.1. wehave asked you to repay money you owe us and you have not done so within areasonable period of time;
25.4.2. youseriously or persistently breach these Terms;
25.4.3. yougive us false or misleading information or you don’t give us the information werequest;
25.4.4. wereasonably suspect that the security of the Wallet or Yonder Debit Card hasbeen compromised or that you, or any third party, have used or intend to usethe Card or Wallet in a grossly negligent way or for fraudulent or otherillegal purposes;
25.4.5. athird-party service provider that we or TPML rely on to provide you servicesunder these Terms is no longer able to provide us or TPML services;
25.4.6.steps are taken to make you bankrupt or to make you the subject of any form ofdebt relief process;
25.4.7. wereasonably consider that by continuing this agreement we might:
25.4.7.1.breach a law, regulation, code or other obligation; or
25.4.7.2.face action from, or be required, directed or expected to immediately suspendor terminate the Wallet or Yonder Debit Card by, a government, law enforcementagency or regulator
25.4.8. you becomeincapacitated or die;
25.4.9. youfail to provide the personal data necessary for Yonder or TPML to comply withtheir legal obligations to fulfil this agreement; or
25.4.10. wehave reasonable grounds to believe you're unable or unwilling to pay your debtswhen due.
25.5. If we suspend or restrict your use of the YonderDebit Card and/or Wallet, we’ll allow you to use it again if the reasons wesuspended it in the first place no longer apply.
25.6. If TPML terminates your use of the Yonder DebitCard or Wallet under clause 25.4 above, then your Yonder Account will beclosed.
25.7. Once we have notified you that the Yonder Accountis to be closed, you are not permitted to transfer any further funds into yourWallet unless it is to repay any outstanding balance.
25.8. Once your Wallet/Card is closed, you will be ableto redeem any money in your Wallet that you are entitled to.
25.9. Any termination of these Terms shall be withoutprejudice to any rights that have accrued to any party.
25.10. We and TPML will act reasonably andproportionately in exercising any of our rights under this clause 25 and youare entitled to complain about such action by us in accordance with clause 26,if you are unhappy.
26. What do you do if you are unhappy?
26.1. If you have a complaint about your access to theYonder Account, Wallet, Debit Card or the service you've received, pleasecontact complaints@yonder.com.
26.2. If your complaint relates to transactions made viayour Yonder Debit Card or Wallet and you’re not happy with the response fromour team, you can escalate your complaint to the TPML Issuer ComplaintsDepartment directly via email at complaints@transactpay.com. Please ensure youinclude the required Personal Details so we can properly identify and contactyou.
26.3. If TPML’s Complaints Department is unable torespond to your complaint immediately, you will receive confirmation that yourcomplaint has been received and a formal investigation will be conducted. Youwill receive a formal response of TPML’s findings within 35 Business Days ofyour complaint. TPML will make every effort to reach a resolution to yourcomplaint and will fully explain the reasoning behind our decision.
26.4. In the unlikely event that TPML are unable toresolve your issue to your satisfaction, you have the right to refer yourcomplaint to the Central Bank of Malta by the Contact Us page available on the Central Bank ofMalta's website or by sending a written complaint by mail to: Central Bank ofMalta, Castille Place, Valletta VLT 1060, Malta.
26.5. If, following your escalation to the Central Bankof Malta, your issue is not resolved to your satisfaction, you have the rightto refer your complaint to the Office of the Arbiter for Financial Services atthe following address: Office of the Arbiter for Financial Services, N/S inRegional Road
Msida MSD 1920, Malta (Telephone+ 356 21249245, Website: https://financialarbiter.org.mt).
27. How we and TPML use your information
27.1. Yonder will protect any personal information wehold about you in line with Yonder’s Privacy Policy which can be accessed at: https://www.yonder.com/legal/privacy-cookies-policy .
27.2. TPML will protect any personal information it holdsabout you in line with TPML’s Privacy Policy which can be accessed at https://www.yonder.com/legal/privacy-cookies-policy under “TPML’s Privacy Policy”.
28. Waiver of rights
We may choose to delay enforcing or choose not toexercise rights under this agreement. If we do this, we do not waive our rightsto exercise or enforce them on any other occasion.
29. Assignment and subcontracting
29.1. You may not sell, assign or transfer your accountor any of your obligations under this agreement. This means that theAgreement is personal to you, and you can’t transfer it to anyone else. Youwill remain liable until any Wallet and Card issued to you is cancelled and allsums due under this Agreement have been paid by you in full.
29.2. We may transfer any of our rights and/orobligations, or assign any of our rights, under this agreement. If we transferall of our rights and/or obligations, or assign all of our rights, under thisagreement, we will provide you at least two months’ written notice of suchproposed transfer or assignment. You can close your Yonder Account within thatnotice period by repaying any outstanding balance in full and following thesteps set out in clause 25 above.
29.3. We may subcontract any of our obligations underthis agreement (such as the maintenance of the Yonder Platform or customersupport) to other companies within the Yonder Group or to third-party serviceproviders. If we do this, we will remain responsible to you for theirperformance.
29.4. TPML may transfer its rights and benefits underthis Agreement to a third party and may subcontract any of its obligationsunder this agreement, if TPML reasonably believes that this would not have asignificant negative effect on your rights.
30. Language
30.1. Only the English language version of this agreementwill apply. If we translate this agreement into another language, thetranslation is for reference only.
31. Governing Law
31.1. This agreement is governed by Maltese Law. If youreside in the Netherlands, mandatory Dutch payment services and consumerprotection rules apply notwithstanding the governing law of this agreement.
32. Jurisdiction
32.1. You agree to the non-exclusive jurisdiction of thecourts of Malta. ‘Non-exclusive jurisdiction’ means that you may also have theright to refer a dispute to the court of another country.
Schedule 1 – Fees
