General Conditions

It is important that you read and understand our terms and conditions before you accept them. They contain restrictions on the extent of our obligations to you and restrictions on our liability to you in the event that you suffer losses as a result of our use of our services.

A. General terms for making money transfers and using the app

1. General
   1. The following terms and conditions, including all documents to which these Terms refer (the “Terms”), constitute a binding legal agreement between you (the “User” or “You”) and STB Union Ltd. This company has a license to provide service in financial assets under Israeli law (the “Company”, “We”, “Our”) and relates to any use of the App (the “Application”), In connection with the purchase of services for the transfer of financial assets, as defined in the Israeli law for the supervision of financial services 2016, from individuals or legal entities in Israel to individuals or other legal entities in Israel or abroad (respectively: "Services" and "Money").
   2. By accessing and/or using this App, you agree to be bound by these Terms and Conditions and the related Privacy Policy (https://www.stbunion.com/privacy-policy) that you have expressly read and agreed to separately.
   3. By accessing and/or using this App, you agree to be bound by these Terms and Conditions and the Privacy Policy of:
      1. Google play
      2. Apple pay
   4. The purpose of the application is to enable the user to transfer funds from Israel to the recipient who is located in Israel or outside of it (hereinafter "transaction"). The list of specific countries in which our services can be performed appears on the App and may change from time to time at the Company’s sole discretion and subject to the relevant provisions of applicable laws.
2. Registration and User Data
   1. In order to use the App, you must create a user account ("account") and provide your personal information, including without limitation, full name, nationality, date of birth, Address, ID number, phone number, and e-mail address. You will also be asked to provide an official identification document with a clear face image and a self-image ("selfie"). We also reserve the right to ask you to upload a copy of your ID or any other document upon request in order to verify your identity or the authenticity of the data you have provided.
   2. Before completing the registration process, you must ensure that the data provided is complete and accurate. You must update the data at any time required before using the app to reflect accurate information.
   3. You are also required to select a user name and password to access your account. You must ensure that your username and password are secured and not transferred to any other person or entity. You must inform the Company of any suspected unauthorized use of your user account by sending an email to support@stbunion.com or contacting us at 03-9444407 as soon as you learn of such use or suspicion.
   4. The final step is the confirmation of the privacy policy, which constitutes a binding step to complete the registration process. You will not be able to terminate the creation of your account until you expressly approve our Privacy Policy
   5. The creation of your account is subject to our approval after we have reviewed your request in accordance with our internal standards and procedures. This examination will take up to two business days as defined below. If your request is approved, you will be notified and your account will be activated. You can then log in with the username and password you selected.
   6. In addition, you are obligated to update us at any time when your personal information has changed as detailed in section 2.1 above, and/or additional personal information, such as additional citizenship.
3. Description and responsibilities
   1. You hereby declare, agree, and warrant the following when using the App or through the App:
      1. You shall not make any use that opposes or violates any provision of applicable law or regulation, directly or indirectly, including the legal provisions concerning the prohibition of money laundering and the financing of terrorism;
      2. You shall not make any use intended to create or participate in any fraud;
      3. You will not make unreasonable use of the services offered on the App;
      4. You will not activate viruses, Trojan horses, worms, and/or any other software in the application;
      5. You will not use any means to monitor or duplicate the application and/or activity that is carried out through the application and/or the information displayed therein;
      6. You will not use the App in any way that may harm it and/or its basic data set;
      7. You shall not impersonate a person and/or any other entity and shall not provide false, inaccurate, or partial data when using the App, whether it concerns you or the recipient;
      8. You will not use any third-party payment methods, including any third-party credit card, whether it belongs to a family member or not; Also, you will not allow any third party to use your payment method through the App and you will be solely responsible for any use of it through the App;
      9. You will not use the App and/or take any actions in a manner that may harm the App or make it inaccessible;
      10. You will not attempt in any way to gain unauthorized access to the App, the Content, or accounts of other users, or to computer systems, databases, or networks connected to the App and will not use any other user's data.
   2. Through the use of the App and the execution of a transaction, you declare, agree, and undertake as follows:
      1. You are at least 18 years old, have a valid ID, and have full legal capacity;
      2. You fully understand and agree to the transactions you make through the App;
      3. The funds used for the transaction are your property and you received them lawfully, and are not directly or indirectly related to any crime or offense under the laws of the State of Israel, and/or the country in which the recipient will receive the funds;
      4. The execution of the transaction by you does not constitute in itself a violation of the laws of the State of Israel and/or any other country;
      5. You shall act for your account only and not as a mediator, agent, trustee, or similar function of any other person or entity;
      6. You have provided all the necessary details about the intended recipient, the amount transferred, and all the details relating to the execution of the transaction and have made sure that they are complete and correct, and you are aware of the consequences if these details were incorrect;
      7. You are aware of and agree to the applicable exchange rate and commission as presented in the App, and you agree to pay these for the execution of the transaction in return for the performance of the Service by the Company and related third parties.
   3. You may be required to provide additional data or information at the company’s discretion in accordance with applicable law and the company’s internal policies, primarily in order to make the transaction. Your refusal to provide such data or failure to provide it within a reasonable time will entitle the Company to reject the transaction or suspend it or cancel it, at its sole discretion, and you will not be able to file any claims against the Company in this regard.
   4. The Company reserves the right to suspend your activity on the App, suspend any pending, or terminate your Account and terminate this Agreement, (a) when it is suspected that you have used the App in violation of: (1) these Terms, or (2) of internal legislation or policy applicable to the prohibition on money laundering, or (b) where suspicion arises of any activity related to the countries or entities or individuals registered under any relevant list of sanctions, or (c) due to our internal policy, Or (d) if you have not provided any requested document or information reasonably requested by the Company in accordance with its policy. You hereby waive any claim against the Company in this regard.
   5. Whenever the Company deems it appropriate to implement its internal policy, or whenever the Company finds that there is a reasonable concern for an improper transaction, including but not limited to the events referred to in Section 3.4 above, The Company reserves the right to withhold under its hands any pending amount of any transaction, all subject to any law. You hereby waive any claim against the Company in this regard.
   6. The use of the App is personal and private, and the User must maintain his username and password and any specific code issued for a transaction. It is strictly forbidden to disclose the username, password, and/or codes to another person, except for the required disclosure of the code relevant to the intended recipient of a transaction, even if it is not used for commercial purposes. It is hereby clarified that failure to maintain the passwords and/or codes and/or the device used to access the application may cause the theft of the user's identity and/or to carry out transactions in his name and/or to transfer funds to various entities, and the Company will not be responsible for any damage caused as a result.
4. Making transactions
   1. In order to make a transaction, the User will deposit the transaction funds in one of the alternatives listed in sections 4.2-4.4 below, whether: (1) By physically delivering the funds at one of our partner sites (the company has partners and branches throughout the State of Israel where the user can physically deposit the relevant transaction funds), or (2) by bank transfer, or (3) by credit card. After that, he can complete the transaction and everything as detailed below:.
   2. If the user chooses a bank transfer:
      1. The User shall transfer the amount of the transaction to the Company's bank account (Bank Hapoalim, Account 495773, Branch 634, which address is 13 Rothschild Boulevard, Rishon Lezion) and shall specify the temporary code received as stated in Section 4.2.6 above. Once the funds are received in the company’s account during the company’s bank’s hours of operation, provided that the recipient fulfills the conditions listed above, and subject to any law, the company will continue to carry out the transfer.
      2. Once the funds are received in the company account, the transaction is in the process of execution and cannot be canceled. However, if the user wishes to cancel the transaction, the user must contact the main office as soon as possible. The user understands and agrees that the options for changing or canceling a transaction will depend on the specific circumstances and technical options, as well as the circumstances and rules applicable to the recipient’s location.
      3. After the funds are received in the company account and the company will transmit the details of the execution of the transaction, the user will receive a final code relating to the execution of that specific transaction.
   3. If the user selects a physical deposit:
      1. The user can access any of our partners who are affiliated with the app, identify themselves, specify the temporary code to the local agent, and proceed with the deposit of the amount of transaction funds required as specified in the app.
      2. After the local agent has received the funds and approved it on the online system, he will issue a receipt and the user will physically sign it and keep his share. The receipt will also be sent in a message to the user.
      3. After that, the user will be notified with a final code that the transaction has been approved and will be made. This confidential and final identification code will be passed by the user only to the recipient so that the latter can retrieve the funds. The recipient must specify the final code at the collection agency. When the transaction is not carried out by bank transfer, the user will see in the application the places where the recipient can physically retrieve the funds, and it is his or her sole responsibility to provide such a list to the recipient.
      4. Once funds are deposited to a local partner, the transaction will be in the process of execution, therefore, any change or cancellation provokes complexity for the company. The user must contact the main office as soon as possible. The User understands and agrees that the options for changing or canceling a transaction will depend on the specific circumstances and technical options as well as the circumstances and rules applicable to the recipient’s location.
   4. If the user chooses a credit card payment:
      1. After entering the transaction details, the user can choose the credit card payment method. In this case, the user will not wait for the message and the temporary code and will be able to select the “Credit Card Payment” feature in the app.
      2. The user will then be directed to a payment page in the app, operated by a third-party service provider that provides the clearing services to the company. The user will be asked to enter his personal credit card information in order to continue the transaction. Credit card payment is secured under [PCI-DSS system]. The User shall not use the credit card of any person and/or other body. The Company removes any liability toward the credit card holder who is used through the application by a user who does not own the credit card. The user is solely responsible to the credit card holder for any use made to his credit card.
      3. The user will be asked if he wants to have his credit card details recorded and stored via an encryption method, by a third-party service provider for future transactions. The certificate is checked by the relevant box. The app does not impose on the user the registration of credit card details and is entitled to withdraw his consent at any time he makes a transaction. The company emphasizes that it has no access to the user’s credit card details which will be kept and encrypted by the company’s clearing partner.
      4. The transaction will take place after the relevant banking bodies have approved the transfer permits and performed compliance verifications. The user will then receive a final code relating to the execution of the transaction.
      5. After the user has sent the payment instruction to the credit card, the transaction is in the process of execution and cannot be canceled. However, if the user wishes to cancel the transaction, the user must contact the main office as soon as possible for more information.
   5. Approval of the transaction
      1. The user will log into his account, enter the country in which the recipient is located, and determine the amount of funds he wants to transfer or the amount he wants the intended recipient to receive. The user can choose the currency he wants to transfer, whether in Israeli shekels, dollars, or euros. The user can also choose the currency in which the recipient will receive the funds if they are available and provided that the local partner of the company can receive or provide them, and subject to the relevant exchange rate. In this case, the user knows about the relevant exchange rate.
      2. Upon entering this information, the user will see in the app a quotation of the amount deposited in one of our branches ("quotation"). The quotation will remain valid for three (3) hours within the working hours of that business day unless there are exceptional changes in the exchange rates in the market that amount to a change of more than 2% (two percent) of the price used. In such a case, the Company is not obligated to guarantee the quotation, and the user shall have no claim against the Company. After the said three hours have passed, the quotation will not be valid, and the user will have to re-enter all the information and details of the intended transaction. For clarification purposes, a business day means any day on which the Israeli banking system is open, from Sunday to Friday, except for national or banking holidays, and the hours of operation will be from Sunday to Thursday 8:00 to 18:00, and on Fridays, or days before national holidays, from 8:00 to 13:00.
      3. Along with the quotation, the user will receive information about the exchange rate, and the commission applies when the amount may vary depending on the destination of the transfer of funds, the method of transfer, the company's local partners, and the amount transferred. The user agrees and understands that after agreeing to this, he will have no claim in connection with the said commission and gate.
      4. The user shall fill out the recipient's information for each transaction, indicating the identity and location of the recipient, an ID number (ID card or passport) if requested, the destination country, address, telephone number, bank details if the transaction is carried out through a bank transfer, Or credit card details if the transaction is made through the recipient’s credit card credit whenever this option is available, and any other details are required in accordance with the company’s policy. The user shall specify the source of the funds transferred and the relationship between him and the recipient. These fields are mandatory.
      5. After all the details are filled out by the user, the company will process the information and continue the validation process for the transaction. If the transaction is rejected, the user will receive a message stating that the transaction was rejected. The Corporation may, at its sole discretion, specify or decline to specify the grounds for the refusal.
      6. If the transaction is approved, the user will be notified with a temporary code. The window of opportunity for the offer begins with receipt of this temporary code.
   6. It can take up to three (3) business days from the time the transaction is executed until the funds are received at the actual destination.
   7. The Company may, at its discretion, limit the size of transactions, their amount, and/or the type of transactions to be performed by the user, including with respect to destination countries, the identity of the recipients of funds, etc.
   8. The application allows the user to check their account history and previous transactions, whether executed, pending, suspended, or canceled.
   9. None of these conditions shall be construed as an obligation on the company to accept any transaction before verification following the company’s internal policy or to accept any funds from the user. The company reserves the right to reject a transaction at any time and in its sole discretion. The user will have no claim against the company in this regard. In any case of an incomplete transaction due to incorrect data provided by the user, an inquiry procedure will be carried out, which will include a fee according to the tariff and will last up to 90 days.
5. Prevention of fraud and embezzlement
   1. The Company and its activities are subject, inter alia, to the obligation to prevent fraud and embezzlement in accordance with the provisions of Israeli law and the foreign law to which it is subject by virtue of agreements with third parties and their manner of operation.
   2. The user must act to prevent the possibility of participating in a fraud program, or becoming a victim of fraud, and before making a transaction, the user is advised to verify all related information, including the identity of the recipient, the purpose of the transfer, the use of funds, and the circumstances surrounding this transaction.
   3. The Company and third parties involved in the transaction shall not bear any liability whatsoever if the user chooses to ignore any warning against fraud and will nevertheless transfer funds despite the existence of suspicions.
6. Withholding tax at source
   1. The user declares and warrants that the amount of the transfer is not subject to a tax deduction originally in accordance with the exemptions set out in the law and therefore confirms that the Company will not withhold tax originally on the amount subject to the transaction.
   2. The user also declares and undertakes that the transaction does not constitute income earned by the recipient.
7. App changes
   1. The user shall have no assertion, demand, and/or claim in relation to changes in the recipient countries or in connection with disruptions, difficulties, and/or failures that will occur during and/or as a result of making such changes.
   2. Except as required by Israeli law, the Company does not undertake to keep backups of the application and/or information posted on the app, if any, and it may delete data from the app without prior notice or consent of the user.
8. Intellectual property
   1. All intellectual property rights, including copyright, patents, database rights, designs, trademarks, whether they're registered or not, the app and its name, the software, the designs, the photos, the illustrations, sounds, and all other content, including the manner in which they are presented (“the Content”), are owned by the company or its affiliates, or third parties as applicable, and will remain owned by the company. No use shall be made of the content except as permitted by the App and in accordance with these Terms and Conditions.
   2. Copy, redistribute, broadcast, publish, publicly display, delivery to third parties, creation of derivative work, storage some or all content of the application in any way (temporary or permanent), or any commercial or non-commercial use of the content is strictly prohibited, and no changes should be made to it, provided for the purpose of presenting the user’s personal account in the app and copying the transaction history relevant to the user.
   3. Entering user information in the app, through the app, or in any other way related to the app, constitutes a statement and confirmation of the user that he owns all the proprietary rights required for the delivery of the information process and that no legal and/or other restrictions apply to this process and/or the provision of permission to use it by the company and/or anyone on its behalf and/or a third party.
9. Responsibility and indemnification
   1. Use of the App is offered to the user "as is" and use of the App is the sole responsibility of the user.
   2. Since the execution of a transaction depends on third parties and computer systems and is subject to the relevant provisions of applicable laws, including Israeli law, a transaction may not be executed or there may be a delay in the execution of the transaction. The Company shall not be liable for any direct or indirect damage caused to the user or a third party as a result of the failure to perform the transaction or due to a delay in carrying it out.
   3. In any case, the liability of the company will be limited to the amount of commission charged to the user during the 12 months preceding the event for which the company will be held responsible.
   4. The Company, its affiliates, and all of their behalf, including their employees, their managers, their advisors, their representatives, Subcontractors, agents, shareholders, and suppliers shall not be liable, in any way and under any circumstances, for any damage, directly or indirectly, caused to the user and/or third party due to the use of the App, if any, for the performance of a transaction due to any specific information and/or any service, material, product, software and any other advertising contained therein.
   5. The user hereby undertakes to indemnify the Company, its affiliated companies, and/or anyone on their behalf, including their employees, managers, advisors, representatives, Subcontractors, agents, shareholders, and suppliers for any damage (including direct, indirect, consequential, incidental and/or special damage, including damage to reputation), loss (including loss of income, loss of information or data), damages, payments or expenses incurred, including attorney fees and legal expenses, due to any demand, claim and/or claim that will be handled and/or filed in connection with or against any third party, due to any action or failure of the user which constitutes a violation of the Terms and/or the provisions of any applicable law.
   6. The Company may directly offset the commission due to it from the amount of the transaction, as well as any applicable commission, including the exchange rate. The Company shall be entitled to offset any amount owed to the user from the funds available in the user Account. Failure to do so on the part of the Company will not be a waiver of its claim. In particular, the execution of a transaction by the Company even if the funds were not sufficient to cover the amount of the transaction and/or the commission due to the Company will not constitute a waiver by the Company of the balance of the transaction and commission amount.
   7. The Company bears no responsibility and shall not be held liable for any threatening, defamatory, obscene, offensive, or illegal content and/or the conduct of any other party, or any violation of the right of any other entity, including intellectual property rights, And the Company shall not be liable for any content sent through the App and/or posted on the App by any third party.
   8. The Company is not responsible for the correctness of the information, and/or advertisements, and/or commercial information published in the App, and/or its quality, and/or validity, and/or completeness, and/or accuracy, and/or suitability for any purpose whatsoever, and the Company shall not be liable, in any circumstances, for any direct or indirect, financial or other damage caused to the user as a result of the use of the Application, Based on information contained in it or on external applications.
10. Continuity of services and making changes
    1. The Company does not undertake that the App and/or the services offered through the App will operate continuously without interference, disruptions, and/or malfunctions.
    2. The Company may terminate, cancel, or modify some or all of the Services and terminate the operation of any or all of the App at any time, without prior notice and at its sole discretion.
    3. The Company reserves the right to suspend, and/or cancel the registration of the user, and/or suspend his account, without providing prior notice and without the obligation to provide the reasons for such suspension and/or cancellation.
    4. The Company may make any changes to the content, information, and services offered on the App at any time, without prior notice and at its sole discretion. If the Service is terminated, the Company shall not be liable for any damage to the user or any third party.
11. Termination and suspension
    1. The user may terminate his account and thus terminate the contract referred to in Section A. It is with the Company by providing 7-day advance notice by email at the following address support@stbunion.com. The termination of the agreement will not affect standing and dependent transactions that will still be subject to these terms.
    2. The Company shall be entitled to terminate the contract under this chapter and consequently terminate the user’s account immediately, without prior notice and reason if the circumstances require it at the Company’s discretion. However, the Company will make an effort to notify the user as soon as possible.
    3. Notwithstanding the foregoing, the Company reserves the right at its sole discretion to suspend or terminate the user Account if it violates these Terms. In such a case, the Company reserves the right to impose on the user all the costs that the Company may incur as a result of the said breach, including and especially all claims and damages claimed by third parties, and all legal costs.
    4. The user hereby waives any claim against the Company for suspending or closing the Account, whether there were grounds or not, and waives any claim for its liability with respect to the costs borne by the Company and its duty to indemnify the Company in the event of such breach.
12. Check
    1. The Company reserves the right to transfer or assign all or some of its rights, and/or obligations under the App to the user to any third party at any time and without its prior consent. The user may not transfer his rights or obligations to any other third party.
13. Variance
    1. The Company may change the provisions of this chapter at any time, at its sole discretion, and without prior notice. The user will be notified via the app about the changes, but in any case, the binding text of these terms and conditions is the text published in the app at the time relevant to its use.
    2. If a court and/or other competent authority determines that one of the provisions of this chapter is illegal or invalid, this condition shall be adjusted in accordance with the law's requirement in a manner that will maintain its original purpose and meaning, and the cancellation and/or modification of this condition shall not prejudice, detract, or change the other conditions.
    3. These Terms are subject to Israeli law, except for rules that contradict the law, and the courts in Tel Aviv-Jaffa will have the exclusive jurisdiction to discuss any disputes relating to, using, or arising from this application.
14. Contact and queries
    1. The user may contact the Company with questions regarding these Terms by sending an email to support@stbunion.com.

B. General terms of agreement for the issuance of a chargeable card

1. Definitions:
   1. For terms that will appear in chapter B. This will be the meaning below:
   2. "Payment Method" - as defined in the Payment Services Law.
   3. "International Organization" – The international credit card organization that granted the issuance license to the company.
   4. "Business" - any entity that allows the execution of a transaction through the card.
   5. "Request" - the request for the receipt of the card and/or any other document physically signed or online by the customer at the time of booking and/or delivery of the card, which constitutes an integral part of this agreement.
   6. “Charge Concentration Page” – a notice to be delivered to the customer in a manner and frequency in accordance with the provisions of this agreement and the provisions of the law, including, inter alia, details of the charges and transactions received by the company in connection with the use of the card.
   7. "The Agreement" - the request, chapter B. This and/or the appendix to the request.
   8. “Payment Services Law” – Payment Services Law, 2019, as it shall be from time to time and the regulations and/or installed by its power.
   9. “Business Day” – every day, except for the days prescribed by the Supervisor of Banks as non-banking business days and are Saturday, Sabbath days, both days of Rosh Hashanah, Yom Kippur, the first and eighth days of Sukkot, Purim, Sunday and 7th of Pesach, Independence Day, Shavuot and Tisha B’Av, as well as any other day determined by the Supervisor of Banks or by any law, as a non-banking business day.
   10. "The Card" means any payment method issued by the Company from time to time under this Agreement.
   11. "Customer" - the person at whose request the card was issued, as specified in the application.
   12. "Products" - products (assets or rights) and/or services and/or funds.
   13. "The Company" - S.T.B. Union Ltd.
   14. "Clearinghouse" - the body with which the business is bound by an agreement on clearing transactions carried out in the business using the card.
   15. "Transaction" - the purchase of products by a customer from a business or the making of other payments to a business, against a card change.
   16. “Foreign Currency Transaction” – any foreign currency transaction, including cash withdrawals in foreign currency in Israel and abroad, as well as a transaction via the Internet that is transferred to the company from abroad.
   17. "Essential element of the card" - the card itself (including the computer chip - chip) - an EMV component installed on the card, and any of the details that appear and/or are embedded on the card (including the card number, card validity and the CVV code that appears at the back of the card), the secret number and/or the cipher, and/or any other component combination (including the details of the cardholder), and/or the combination of components as stated in the card, which is unique to the card, which the person who has access to it and/or to them, can provide a payment order through them. Using digital wallets, the essential component will also include the device on which the digital wallet is installed, as well as the identification code of the device on which the digital wallet is installed, the activation code of such device, and/or the activation code of the digital wallet.
   18. "Tariff" - the company's tariff as it will be from time to time.
2. General:
   1. The section headings are written for convenience only and should not be used to interpret this Agreement.
   2. A masculine gender includes a feminine gender, and vice versa.
   3. A single pronunciation includes the plural, and vice versa.
   4. Without derogating from the generality of the foregoing, this agreement will continue to apply even if it has been canceled and even if this agreement has been terminated, and this is regarding cards for which the said agreement has not been canceled, as long as these cards are valid, and/or as long as the customer and/or the company has rights, and/or obligations in connection with them.
   5. In any case of conflict and/or discrepancy between the provisions of this agreement and the provisions of the request, the provisions of the request will prevail unless expressly stated otherwise, or if this is a contradiction, and/or discrepancy appearing in any addendum to this agreement, and whose signing date is later than the date of signing of the request.
   6. This Agreement and the changes that will apply to it from time to time will be available for the Customer’s review at any time and for a period not less than 7 years after the end of the term of the Agreement by contacting the Company’s customer service center.
3. Card validity:
   1. The card is valid until the date specified on it or until it is canceled. The Company shall be entitled to issue to the Client from time to time a card that will replace any card that has passed the period of its validity, and this is close to the date when the relevant card in its possession expires, without the need for additional requests from the Client or alternative cards in various cases, which the provisions of this Agreement shall apply, without the need for re-signing this Agreement. The provisions of this Agreement shall also apply to an expired card, as long as no customer charges under this Agreement have been repaid for that card.
4. The agreement and Card - Cancellation and Block:
   1. Each party may terminate this Agreement and/or cancel any card issued from its power by providing notice to the other party. Canceled by the customer - the cancellation will take effect within one business day. The agreement is canceled by the Company - the cancellation will take effect within 45 days unless exceptional circumstances warrant immediate cancellation, including those set out in this agreement below. Upon cancellation, the Customer shall not be permitted to make further use of the Card.
   2. Without derogating from the said generality:
      1. The Client may, at any time, ask the Company to suspend the use of the Card for a period that will be requested which will not exceed 14 days, or for a longer period that will be customary with the Company at that time.
      2. The Company shall have the right to block and/or suspend the possibility of using the Card, at its discretion and for reasonable reasons, including, if there is a concern that the Card may be compromised, a concern that the Card may be misused or fraudulent, and/or a real concern that the Client may not be able to repay its obligations under this Agreement. The Company shall notify the Customer of the said blocking or suspension prior to its execution and will specify in its notice the reasons for this, unless such notice may thwart the purpose for which the blocking and/or suspension was carried out, provided that such notice shall be delivered to the Customer as soon as possible thereafter.
5. Transactions and operations on the card
   1. The card is intended as a means for the purchase of products in shekels and/or foreign currency and/or the withdrawal of cash from machines ("ATMs") up to the amount charged in businesses that enable the execution of a transaction through the card.
   2. Transactions cannot be made through the card in industries, where the business asks for transaction approval before making the transaction in a certain amount determined by the business.
   3. The card can be recharged from time to time. The maximum amount that can be charged on the card, either once or in aggregate during a certain period and the maximum amount that can be accrued to the card are listed in the request and can be modified in accordance with the guidelines the company will notify from time to time.
   4. The methods by which the card can be loaded are specified in the request and can be modified in accordance with the guidelines the company will announce from time to time.
   5. The card is rechargeable in new NIS, US dollars, and Euros and any additional currency announced by the company.
   6. Transactions in installments and/or deferred payment, and/or card billing privileges (standing orders) cannot be performed using the card.
   7. A transaction and/or part of a transaction made through the Card cannot be canceled.
   8. The Company shall have no liability in connection with the non-provision, quantity, nature, or quality of the products purchased through the Card or in the event that a business refuses to honor the Card or conditions thereof.
   9. In making transactions through the card, the customer will tap a secret code (as required) on the point-of-sale device.
   10. The Company shall have the right to require the Client, in transactions in a missing document (as defined in the Payment Services Law), to provide certain details, including an identification code, as a condition of the Customer’s ability to execute the transaction through the Card.
   11. The customer may review the Concentration of Charges page by the means made available to him by the Company.
   12. The Client undertakes to check the Concentration of Charges page and to inform the Company of its errors, if any, as soon as possible.
   13. The Client undertakes to use the Card in accordance with the provisions of the law only. The foregoing does not impose a duty on the Company to examine the legality of transactions carried out by the Client or not to approve such a transaction.
   14. In any case, where any repayment date under this Agreement shall apply on a day other than a business day, the billing date or maturity date (as applicable) shall be postponed to the first business day after the original (as applicable) due date.
   15. Money transfers from the card to third parties shall be considered a "transaction" for the purpose of this agreement and may be made only at the branches or through the company's systems, where the company, in this case, will constitute the "business".
   16. The Client shall be entitled to exchange funds within the framework of the Card between the new NIS, US Dollars, and Euro currencies, and these conversions shall be subject to the Company's conversion rates and the Company's tariff.
6. Digital wallets
   1. The Company may allow the Customer, from time to time, to make transactions through the use of the Card in the framework of digital wallet applications (hereinafter: "Digital Wallet"). The types of digital wallets that enable payment through the use of the card and the types of cards will be determined by the Company from time to time (hereinafter: "Certified Digital Wallet" and "Certified Card"). The Company shall be entitled to limit the use of the Card in the framework of a digital wallet, temporarily or permanently, in the amount, and/or type of transactions, as well as regarding the types of devices in which a certified digital wallet will be installed, and/or in any other way.
   2. The provisions of this section 6 apply if the cardholder has chosen to add a certified card to a certified digital wallet. The use of a certified card through a certified digital wallet will be governed by the terms of this agreement. Adding an approved card to a certified digital wallet is not an issue with a new payment method.
   3. The use of a certified digital wallet may be subject to agreements between the customer and third parties that operate the digital wallet and/or provide services in connection with it (hereinafter: “Wallet agreements”), and the customer undertakes to act in accordance with the wallet agreements. Unless otherwise determined, a certified digital wallet is not a corporate wallet and is not operated by the company and/or anyone on its behalf. The Company shall not assume any liability in the act and/or omission of such third parties.
   4. The customer, and only he, may add a certified ticket to a certified digital wallet. The use of a certified card through a certified digital wallet is subject to the fact that the device on which such a wallet was installed is exclusively used by the customer. Adding an approved card to an approved digital wallet allows the use of the card in the framework of the digital wallet. Adding an approved card to an approved digital wallet is conditional on the device on which the approved digital wallet was installed, allowing the determination of a locking measure that protects the use of the device against a third party other than the customer, and this option was activated by the customer.
   5. Transactions using a certified card in a certified digital wallet may be subject to authentication of the cardholder's identity through authentication details. Authorizing a transaction in a certified digital wallet means approving the use of the approved card. Without derogating from the generality stated in this Agreement, in the event of cancellation, termination of its validity, or freezing of an approved card added to a certified digital wallet, then from that time it will not be possible to use the card in such a wallet.
   6. Use of an approved card in an approved digital wallet is subject to the device on which such a wallet was installed and the operability of the device’s communications media, and the Company shall not be liable in any way as a result of the imperfection of the card holder’s device and/or the operability of the device’s communications media.
   7. The use of the card approved in the framework of a certified digital wallet involves the presence of appropriate technological means in the business, and the company will not be responsible in the event that the use of the card is approved through a certified digital wallet will not be possible due to the absence of such technological means in the business and/or due to a malfunction in these means.
   8. Details of transactions made using a certified card in a certified digital wallet may be displayed in the digital wallet. This is not done by the company and/or anyone on its behalf.
   9. Loss or theft of the device on which a certified digital wallet was installed, such as the loss or theft of the essential component of the card. Adding an approved card to an approved digital wallet without the consent of the cardholder, as well as misuse of an approved card using a certified digital wallet, such as misuse of the card.
7. Determining primary and foreign currency
   1. At the time of application and at any time as long as the card is valid, the cardholder will be required to determine and can periodically change the main currency of the card – NIS or US dollars or Euros (hereinafter: “The main currency”).
   2. The card can and will be charged in both NIS, US dollars, and Euros, however, a transaction on the card will not be approved unless the card is loaded with a sufficient amount in the main currency determined by the cardholder. In other words, for example, where the holder of the card determined that the main currency of the card is NIS, and the card is loaded with a sum in Euros only, even if a transaction card is made in Euros, the transaction will not be approved.
   3. In case the main currency in the card is NIS:
      1. A transaction was made with a card in shekels - the card will be charged in NIS;
      2. If a transaction was made with a card in US dollars, the card will be charged in NIS according to the exchange rate used by the company at the same time;
      3. If a transaction was made with a card that is not in NIS or US dollars, the card will be charged NIS according to the rate used by the International Organization.
   4. In case the main currency in the card is the US dollar:
      1. If a transaction was made with a card in US dollars, the card will be charged in US dollars;
      2. If a NIS transaction was made with a card, it will be charged in US dollars at the exchange rate used by the company at the same time;
      3. If a transaction was made with a card that is not in shekels or US dollars, the transaction amount is converted to NIS according to the rate used by the International Organization and weighs to US dollars at the exchange rate used by the company at the time.
   5. In case the main currency in the card is Euro:
      1. If a transaction was made with a card in Euro - the card will be charged in Euro;
      2. If a NIS or US dollar transaction was made with a card, the card will be charged in euros at the exchange rate used by the company at that time;
      3. If a transaction with a card that is not in NIS, US dollars, or Euros, it will be converted to NIS according to the rate used by the International Organization and weights to the euro according to the exchange rate used by the company at that time.
   6. For Foreign currency transactions and/or overseas (including on the Internet in a business abroad), a commission will be applied in accordance with the tariff.
8. Responsibility for misuse:
   1. The Customer shall notify the Company of the loss, theft, or corruption of the Card and any misuse of the Card. In a notice to the Company, the Customer will provide the details that will be required regarding the circumstances of the loss, theft, or misuse and the details of the transactions that were not carried out by him, and will cooperate with the Company and provide it with any information, complete and correct in his hands in connection with this.
   2. Customer’s liability for misuse is set forth in the Payment Services Law.
9. Responsibility for damage:
   1. In the event that any damage, loss, and/or expense is caused to the Company in connection with the Customer’s use of the Card outside of this Agreement, and/or the provisions of any law, the Client shall indemnify, and/or compensate the Company immediately upon its first demand, in amounts of damage, loss and/or expense.
10. Violations:

    Without derogating from the foregoing and hereinafter, in each of the cases detailed below, the Company shall be entitled, at its discretion, to take one or more of the following actions: (a) revoke the validity of the card; (b) block and/or suspend the possibility of using the card (without derogating from the provisions of section 4.2 above):

    1. If the Customer has violated any provision of this Agreement, and/or any other agreement between the Company and the Customer that has not been amended within 10 days.
    2. If the Client violates a fundamental breach of any provision of this Agreement.
    3. In the case of a customer who is a corporation: If a decision has been made regarding a change in the structure or changes in ownership or control, or has made a voluntary dissolution decision.
    4. If the customer stops paying his debts and/or running his business.
    5. In the event of death, the proclamation of disqualification, the appointment of a guardian, or imprisonment of the client.
    6. If a dissolution order or bankruptcy order is issued against the customer or a warrant for the freezing of proceedings, and/or if an asset gathering order is issued, and/or an asset receiver, and/or trustee, and/or special manager, and/or liquidator, and/or any other party of a similar role, and/or an offer or debt arrangement between the client and his creditors or a certain type of them, and/or rehabilitation proceedings will be opened by the client, and/or order will be issued for his economic rehabilitation, and/or will be given an order for the operation of the customer for the purpose of economic rehabilitation (including its temporary operation), and/or an order for opening proceedings against the customer, and/or an agreed payment arrangement approved by the creditors and the execution registration, and/or will be given against the customer any other similar order in accordance with the Insolvency Law.
    7. If it becomes clear that the customer is a limited customer, in accordance with the Uncovered Checks Law, or if it turns out that an alert was sent to him in accordance with the said law.
    8. If there is a change in the customer’s maturity capacity in accordance with the company’s discretion, and/or in the event of other circumstances that endanger the company’s collection capacity, and/or that may impair the customer’s financial ability to meet one or more of its obligations under this agreement.
    9. If the right of the customer to use payment methods has been restricted by a competent authority.
    10. Otherwise permitted by law.

    The Client undertakes to notify the Company immediately upon becoming aware of the occurrence of any case of the above cases.

11. Cash withdrawal instructions:

    The following applies only to a card that the Company has approved for use in cash withdrawals:

    1. Use of the Card using ATM shall be in accordance with the provisions of this Agreement and the instructions, and/or usage restrictions as may be published by the Company, and/or published on the sign on the same device, or its side, or the screen of the Device.
    2. For the use of the card using automated devices, the customer will be provided with a number and/or secret code ("Confidential Number").
    3. Charging the card for the use of automated devices may be made immediately upon such use or within a few days thereafter, in accordance with the Company’s procedures as may be from time to time and may be subject to a fee by both the ATM operator and the Company in accordance with the tariff.
    4. Cash withdrawals in a currency that is not charged with the card will apply to conversion rates.
    5. Cash withdrawals can also be made at company branches, and/or businesses approved by the company.
12. Privacy Policy and Advertising Information:
    1. The Privacy Policy document is intended to share with the customer the information that the company collects, uses, and shares as well as other related aspects. This policy applies to all of the company’s services and activities and the communication channels with the customer on the Internet, by phone, by regular and electronic mail, by text messages, by face-to-face conversations, and more.
    2. If, after the customer has read the policy, he has found that it does not conform to his view or wishes, he must refrain from using the company's services and provide the company with information about it.
    3. The Privacy Protection Policy is an integral part of this Agreement and may be subject to changes from time to time that will be posted by the Company on digital channels. The customer’s continued use of the Services after the Company has released the Privacy Policy update testifies to its agreement to the updated policy. If Customer does not agree to the updated policy, Customer may terminate his use of the Services.
    4. Subject to the client’s request or any later request from the customer, the customer agrees to receive from the company, and/or anyone on its behalf advertisements that will be sent to him via facsimile, automated dialing system, electronic message, short message (SMS), or any other means of communication. The customer will be entitled to stop receiving advertising information at any time by sending a message to the company.
13. The tariff:
    1. Without derogating from the generality stated in this Agreement, the Company will be entitled from time to time to charge the Client with fees determined by it as specified in the tariff as will be updated from time to time.
14. Variance
    1. The Company's books and accounts will be loyal to the Client and will serve as evidence and evidence to prove the validity of their content and all their details.
    2. Any consent, extension, waiver, discount, silence, or Providing any right to the customer beyond his rights under this Agreement shall not be considered as a waiver by the Company of any right, shall not constitute a precedent, shall not bind the Company, and shall not constitute a change of this Agreement.
    3. The Company may transfer, assign (either by way of the lien or by way of sale), mortgage, and/or enslave its rights, obligations, and/or obligations (or any part thereof) to the Client, to any third party without the need to obtain the Client’s approval in advance. The Client is not entitled to transfer, assign (either by way of the lien or by way of sale), mortgage, and/or enslave his rights, duties, and obligations (or any part thereof) to the Company to any third party without the receipt of the Company’s written and prior approval, and to the extent such transfer and/or check and/or lien by the Client, These will be null and void.
    4. In the event that a customer is entitled to a refund, the company will be entitled to deduct, and/or offset this amount from amounts owed to it by the customer, to credit the card, or to pay the amount in another way as you choose.
    5. The Company has the right of indebtedness, offset, and lien at any time regarding funds coming to the customer from the Company, whether from the same transaction or not, whether or not they have reached maturity, in the face of amounts that will reach the Company from the customer.
    6. The Client shall have no right to offset, delay, or deferment in connection with funds owed to him by the Company under this Agreement, and shall waive in advance and irrevocably the rights as aforesaid and shall be obliged to pay the Company, in full and on time any amount owed from him to the Company, even if at that time the Company owes him any amount.
    7. The Company may change from time to time the terms of this Agreement, including the tariff. In the event of such a change, the Client shall be entitled to bring this Agreement to an immediate end by providing notice to the Company.
    8. This Agreement is not an agreement for the benefit of a third party, and any third party may not rely on the provisions of this Agreement.
    9. Any notice sent by the Company to the Customer, according to his address in Israel, and/or according to the e-mail address mentioned in the request or as updated from time to time with the Company by the following (hereinafter: “Customer’s address”) shall be deemed to have been received by the Customer within three days of an extension if it was sent by Israel Mail and on an extension if it was sent by email, except for notices which, according to the Payment Services Law, and/or any other law, are otherwise determined in respect of this matter.
    10. The Client undertakes to inform the Company of any changes to the details specified in the request, shortly after they occur and shall bear all damages in the event of such failure of notice.
    11. The Parties hereby grant a unique local jurisdiction in all litigation relating to the relationship between the Client and the Company to the competent court in the Tel Aviv-Jaffa District. This agreement and the relations between the parties shall be governed by the law of the State of Israel.
    12. The User undertakes to notify the Company of any change in their tax residency status within 30 (thirty) calendar days from the date of the change.
15. Waiving by a business of various protections under the Payment Services Act
    1. Notwithstanding all that is stated in this Agreement, the Client was a business whose annual sales cycle exceeds NIS 30 million or another amount to be determined from time to time under section 51(b) of the Payment Services Law, shall not apply to that Client, and the Client shall not be entitled, to the rights and protections granted to the Customer, In accordance with the provisions of sections 14(a), 19 and 6 of the Payment Services Law. In this regard, the “annual sales cycle” – the number of receipts from each source and type of customer, received in the previous fiscal year, in accordance with the customer’s annual financial report held for that year, and if no such annual financial report is held, The annual sales cycle shall be determined as stated in accordance with the procedures and rules customary and accepted or as customary and accepted from time to time and at any time by the Company.
    2. In accordance with the foregoing, the customer would have a business within the meaning of the above, the customer would not be protected according to the provisions of the following sections of the Payment Services Law, even though these protections might have been available to the customer had it not been for the foregoing waiver:
       1. Section 14(a) of the Payment Services Law, which determines that the Company will transfer all funds for which a payment order was given and will not deduct a commission or any other charge from them;
       2. Section 19 of the Payment Services Law defines the liability imposed on the company in carrying out a payment operation, and determines, inter alia, the following:
          1. The Company's responsibility toward the customer to carry out a payment order accurately until the receipt of the funds transferred in the framework of the payment order at the transaction's liquidator;
          2. Liability provides payment services to a customer regarding a defect in the execution of a payment operation - its clarification and correction;
          3. Liability provides payment services to a customer for compensation or indemnification for damage or expense caused to the customer due to such defect.
       3. Section 20 of the Payment Services Law sets out provisions regarding the individual liability of payment service providers, in the fulfillment of the obligations stated in section 19 of the Law, in relation to any payment operation.
       4. Section 24 of the Payment Services Law limits the customer's liability in the event of theft or loss of an essential component of a payment method, as defined in the Payment Services Law, or in the event of misuse of a payment method by someone who is not entitled to it, under the terms set forth in the Payment Services Law, up to the amount of 450 NIS or the number of actual payment actions made during the abuse, whichever is lower.
       5. Section 25 of the Payment Services Law limits the customer's liability for misuse of a payment method during the period of the freezing of the means of payment, or after the termination of the payment services contract or the return of the payment method to the company's authority.
       6. Section 26 of the Payment Services Law restricts liability for misuse of payment methods in case the customer acted with fraudulent intent.
       7. Section 27 of the Payment Services Law instructs the Company to return to the Client amounts in which it was charged due to misuse of the payment method, beyond the amounts set in the liability limit.
       8. Section 28 of the Payment Services Law instructs the Company to return to the Client the difference between the amount in which he was charged in a payment operation carried out according to an order given through the Company, and the amount to which the Client announced that he committed it, in case of an increase without permission of the amount of the charge.
       9. Section 29 of the Payment Services Law instructs the Company to return to the Client a debit amount or difference between the debit amount without authorization and the amount in which the Client committed, in the event that the Client was charged due to an act of payment in a missing document, And after the client’s notice that he did not carry out the payment operation or that the amount for the charge was increased without the client’s permission.
       10. Section 30 of the Payment Services Law stipulates that the exemption or limitation of the customer from liability due to misuse of a payment method shall not be conditional on the provision of details to the Company about the circumstances of the theft or loss of an essential component by means of payment, as defined in the Payment Services Law, Or in case of misuse of payment methods by someone who is not entitled to it.
       11. Section 31 of the Payment Services Law states that no liability shall apply to the customer due to the misuse of payment methods except for the warranty specified in Section 6 of the Payment Services Law.

Only the contract in Hebrew has legal force. You can check it out below.