Contract of Payment Services and Terms of Use

UNIGIROS Account Management Application

  1. Summary of our terms
    1. This contract of payment services and Terms of Use (hereinafter also: “The Terms of Use”) constitute a contract of payment services that complies with the law as defined below.  Through using the account, the customer will be able to carry out the following actions:
      1. Transfer money between the accounts of the customers of the company.
      2. Transfer money by the customer from his account to the reloadable UNIGIROS prepaid card that he owns.
      3. Transfer the money that is loaded in the application to external accounts.
      4. Transfer money from external accounts to the application; such a transfer can be carried out in three ways: one, a bank transfer to the trust account as mentioned in paragraph 4.5; two, debiting the credit card; three, depositing cash in any of the service points that will be published on UNIGIROS website.
    2. In order to use the application and the various services, the customer must install the application in his compatible telephone device and register as a customer of the company.
    3. The service is intended for customers who are older than 18 and hold a supporting mobile phone that complies with the technical requirements of the application which according to the technological developments will be updated from time to time.
    4. The agreement between the customer and the company is not limited in time.  The customer or the company may suspend or terminate the agreement according to these Terms of Use.
    5. The company may suspend the account and limit the customer’s use of the account and the services, if it is required according to the provisions of any law or for other reasonable grounds.
    6. The customer may use the services of the company subject to the limitations of charging money into the application, transfers of funds from accounts of a third party or thereto (including a reloadable card which is owned by the customer) or depositing cash through the service points that are stated in these Terms of Use – according to the limitations that are included in these Terms of Use in detail.
    7. A payment order as mentioned in paragraph 4.1 cannot be cancelled by the transferring customer.  Therefore, prior to the transfer, the transferring customer must corroborate the identity of the beneficiary to which the payment order is transferred.  The company will not be responsible for the customer’s mistake during the transfer, and they will not be responsible at all for a possible consideration against the transfer.
    8. The registration for the account and the opening of the account does not include a payment to the company.
    9. Notwithstanding the aforesaid, in exchange for the services, all or part thereof, the customer account will be charged according to the rate of the commissions of the company as will be updated from time to time on UNIGIROS website- https://unigiros.co.il/  In any event of updating the rate of the commissions, the company will deliver a message through any method and manner of his choice according to the details of the agreement that were delivered by the customer, at his discretion.
    10. The company may condition transactions through an increased verification detail, which verifies the identity of the payer with a high degree of certainty, as will be determined by the company from time to time.
    11. In the event that any of the parts of the essential component that is at the customer’s possession is lost or stolen (including the loss of the supporting device, a hack or a leakage of information that relates to the verification detail that is at its disposal for a third party) or his account has been misused, the customer will have to contact the Company via telephone and via the e-mail address that is specified below at the earliest possible opportunity.
    12. The company may change these Terms of Use from time to time, and it will notify the customer after any such change. The version of the Terms of Use is the most updated version that is published on the company’s website or in the app.
    13. The customer may at any time notify the company about his rejection of the Terms of Use, and such notification will be considered as the customer’s notification about the discontinuation of the agreement with the company. The customer’s decision to agree to the Terms of Use or not to make any decision on his behalf will be noted as an agreement to these terms.
  2. General Definitions“Payment Methods” – according to the term’s definition in the law, with respect to these Terms of Use, the payment method is the application, while specific actions that are performed thereby implement the sequence of the actions that are required for the purpose of granting a payment order as defined below.

    “The Company” – UNIGIROS Private Company No.  512853615 is an Israeli licensed Financial Service Provider No.57384.

    “Application” – an application that connects the customer to the company, through which it will be able to carry out the actions that are stated in paragraph 4 of these Terms of Use. The application is intended for supporting devices, and it can be downloaded in the application store of Apple or of Google.

    “The Account” – an application for managing an account that connects the customer to the company, through which it will be able to carry out the actions that are stated in paragraph 4 to these Terms of Use and in accordance with his definition in the Terms of Use that are mentioned below.

    “Payment Order” – according to the definition of this term in the law, ordering the company to carry out a transfer or to receive funds in the account through the Company, to load money to the account or to the reloadable card (which is also a payment method).

    “The Law” – the Law of Payment Services, 2019.

    “The Customer” – the customer of the company who completed the registration to the application and his registration was not rejected by the company – in accordance with the terms that are set forth below in these Terms of Use.

    “The Services” – all the services that can be received through the application as stated in these Terms of Use.

    “External Accounts” – bank accounts in Israel and in other countries which will be published on UNIGIROS website and will be updated from time to time, provided that they are not included in the list that will be published by the Ministry of Justice in accordance with Section 2 (C) to the Order of Prohibiting Money Laundering (Obligations of Identification, Management of Notes by a Business Service Provider to Prevent Money Laundering and the Financing of Terrorism), 2014, and the Authority for Prohibiting Money Laundering and Financing Terrorism.

    “Business Day” – every day excluding Fridays (from 1 p.m.) and Saturdays; statutory holidays; days of rest; national holidays and religious holidays which require a day of rest according to the Jewish Calendar, including eves of national holidays and religious holidays as mentioned above and according to any law, including decisions of administrative authorities which the company is subject to.  Without derogating from the aforesaid, the company may change the business days during which it operates according to the directives of the Bank of Israel including the Banking Directives (Service to the Customer) (the Date of Crediting and Debiting with Checks).

    Each Business day will start at 9 a.m. and end at 5 p.m.

    “Supporting Device” – a device that is based on an Android or an IOS operating system, which complies with the technical requirements of the application and which is connected to the Internet and supports the receiving of SMS messages. The customer must make sure that mailings that are received from the company are not forwarded to the spam box and are not blocked due to the customer’s instructions to the company or to his cellular operator.

    “Intensified Verification Detail” – according to the term’s definition in the law, the verification details that will be determined by the company are those that from his aspect verify the identity of the user with a high degree of certainty, including the username, a hardened password and/or a biometric means of identification that will be determined by the user and which it will have to keep in absolute confidentiality. In some cases, the company will require an additional means of identification – at its discretion.

    “Essential Component” – according to the term’s definition in the law, a component or a combination of components which are unique to the customer and are an integral part of the account, through which the customer will be able to allow the company to carry out the payment order in the account through the company. The component that is essential to the customer is the supporting device in which the application was installed plus a username, a hardened password or a biometric means of identification which are only known to the customer and are completely controlled thereby.

    “Misuse” – the use of an account or of its essential component by anyone that is not the customer and is not the person who was authorized by the company to carry out the payment orders.

  3. About us

    UNIGIROS Ltd. has been an active currency service provider as of 2000.  The business is managed from its head office, which is located at 128 Ben Yehuda Street, Tel Aviv.  UNIGIROS has 6 additional branches nationwide, which are specified below and wholly controlled thereby.  The business for the most part serves residents of the city and the immediate vicinity in which they are active. The customers of the business mainly include private customers, companies and foreign workers.  The business’s main activity is in the fields of currency conversion (buying and selling of foreign currency), transferring, and receiving funds from Israel overseas and vice versa.

  4. Our service
    1. The following actions can be carried out through using the application:
      1. Transfer of money between the accounts of the customers of the company;
      2. Transfer of money by the customer from his account to a reloadable UNIGIROS  prepaid card that is owned thereby;
      3. Transfer of the money that is loaded in the application to external accounts;
      4. Transfer of money from external accounts to the application; such a transfer can be carried out in three ways: One, a bank transfer to the trust account as stated in paragraph 4.5; two, charging the credit card; and three, a cash deposit at one of the service points that are published on UNIGIROS website. The customer must keep the documentation of such a deposit for a period that will not be less than one year.
        1. The list of the countries to which transfers to external accounts can be carried out may be updated from time to time at the discretion of the company and the provisions of the law.
    2. Some or all of the uses are subject to complying with the security measures that are required by law and in accordance with the policy of the company. It is clarified that some of the services may be provided by third parties with which the company entered into an agreement. The company may remove from or add to the existing services at any time or discontinue the rendering of some of the services at its sole discretion.
    3. It is clarified that the company will not be responsible for any use that it will make of the services which do not comply with these Terms of Use or with the law.
    4. A copy of the records of the company or of any part of the records that are stated in these Terms of Use will be considered as prima facie evidence for the existence of the records and admissible evidence for the notes therein.
    5. The funds that will be transferred as part of the customer’s activities will be deposited in a trust account in Psagot Investment House Ltd. until the date on which they are transferred to external accounts as defined in these Terms of Use or their deposit in the reloadable  UNIGIROS prepaid card. The company may hold at its discretion funds of several customers in the designated account, but it does not affect the separate registration of the accounts of all the customers of the company.
  5. How to use the applications
    1. In order to use the account and the services, the customer must install the application in his compatible telephone device and register as the customer of the company.
    2. The service is intended for customers over the age of 18 that have a supporting mobile phone that meets the technical requirements of the application and will be updated from time to time in accordance with technological developments.
    3. When registering to the account, in addition to the complete “Get Familiar with the Customer” procedure as instituted in the law and in these Terms of Use, the user will be required to verify his identity, his address, his personal telephone phone number to which an SMS message will be sent to verify the customer’s phone number, his email address to which an email will be sent to verify the customer’s email address.
    4. After completing the registration and in order to log into the account, the customer will be required to enter identifying details to verify his identity. Without derogating from the generality of the aforesaid, the customer will be required to verify his identity through these means, in its entirety of in part thereof: Username; password; mobile phone number; biometric identification (for supporting devices); verification code that will be sent via an SMS message.
    5. After login into the account, the user will be able to transfer or to receive the money that is loaded in the account through:
      1. A direct transfer to the bank account of another person through filling out the details of the bank account of the beneficiary including the bank number, the branch number and the bank account number.  A transfer to foreign bank accounts requires the completing of additional or other identifying details, such as bank account number, branch code, bank code, control number and country code.
      2. A transfer to a beneficiary who has an active account of the company through using the phone number of the beneficiary or his account number.  In this way, the company will charge the account of the transferring customer and will credit the account of the customer to which the money was transferred.  The phone number of the customer to which the money is transferred will constitute a “Unique Identification Code” as defined in the Law of Payment Services, 2019.
    6. A payment order as stated in paragraph 4.1 cannot be cancelled by the transferring customer.  Thus, before the transfer, the transferring customer must corroborate the identity of the beneficiary to which the payment order is transferred.  UNIGIROS will not be responsible for the customer’s mistake while carrying out the transfer, and they will not be responsible for a possible consideration against the transfer.
    7. While receiving a request to issue a payment to another customer – the customer must corroborate that he identifies and knows the sender of the request (the other customer) and the phone number from which the request for payment was sent; do not transfer money and payments to a phone number or to a requestor that is unknown and unidentified while receiving the request for the payment.
  6. The agreement period
    1. The agreement between you and the company will begin with the company’s approval of the customer’s request to open the account, and it will remain valid until the termination of the agreement according to the customer’s request or the initiative of the company.  It will also comply with the provisions of the law and with these Terms of Use. In general, the agreement between the company and the customer is for an indefinite period.
    2. The customer has the option to terminate the agreement at any time by contacting the customer service center according to the provisions stated in UNIGIROS website or in the margins of these Terms of Use.  The termination of the agreement will come into force within one business day after completing the actions that are required for closing the account as well as taking care of the balance that is accumulated in the account as will be implemented through coordination with the customer.
    3. The company may terminate the agreement with the customer subject to giving an advance notice of 45 or at the earliest possible opportunity subject to the fulfillment of the exceptional circumstances that are specified in these Terms of Use below or according to the law.
    4. Suspension of the service of the account:
      1. The customer has the option to temporarily suspend the account and the services for a period of up to 14 days.  Such a request for suspension will be also carried out through a request to the customer service center of the company or through an application.  In addition, the customer also has the option to cancel the suspension before the date of the end of the suspension period through a request to the Company – as far as it was carried out thereby.  In such a case, the suspension will be cancelled within two business days from the date of the request.  The company reserves the right to condition the cancellation of the suspension with respect to certain actions that will be defined thereby for the purpose of securing the customer’s information and complying with the various provisions of the law.
      2. The company may suspend the account and limit the customer’s use of the account and the services, if it is required according to the provisions of any law or for other reasonable grounds.  With respect thereto, the following will inter alia be considered as reasonable grounds – a suspicion for the violation of the Law of Prohibiting Money Laundering and Financing Terrorism, fear of breaching the security of the application or any of the essential components of the application, fear for misusing the application, fraud, or real concern that the customer will not be able to pay off his liabilities towards the company as far as such exist.  In the event of a suspension by the company, the customer will receive the details of the grounds for the suspension in writing, unless such details may thwart the purpose for which the suspension is required.
      3. It will be clarified that the customer may continue owing for the payment orders that were given thereby prior to the suspension of the use or the termination of the service.
      4. During the suspension period, the account or the services will not be able to be used, but the customer will be still able to check the details of his account.  After the termination of the suspension period, the account will operate again and it will be possible to use it at the earliest possible opportunity.
    5. Without derogating from the generality of the provisions of this paragraph (hereinafter: “The Agreement Period”), the company may at any time decide about the termination of the agreement with the customer or the suspension of his use of the account or the services, if it is required according to the law and in each of the following cases:
      1. A suspicion for violating the Law of Prohibiting Money Laundering and Financing Terrorism;
      2. Breaching or the fear of breaching the security of the customer’s account;
      3. In any event of an illegal activity or of the existence of a reasonable suspicion for an illegal activity;
      4. The customer violated a fundamental term of the terms included in these Terms of Use;
      5. In any case of a difficulty in verifying information that was conveyed by the customer;
      6. A suspicion arose for carrying out a prohibited activity, including contacts with users whose account was suspended or blocked or third parties which are suspicious in carrying out a prohibited activity.
      7. For any other reason at the sole discretion of the company.
    6. The customer is aware that deleting the application of the account from the customer’s supporting phone does not constitute the termination of the agreement between it and the company.
    7. Immediately after the termination of the agreement, the customer will not be allowed to carry out actions in his account including permissions of viewing, editing or updating.  The company may at its discretion allow a customer who terminated his agreement with the company to access the details of his account subject to its requirements.
    8. After the termination of the agreement, the customer is required to withdraw the remaining balance of the funds that are accumulated in his account.  As far as the funds that are accumulated in the customer’s account are withdrawn, the company will be permitted to collect management fees as specified in these Terms of Use or in the website of the company.
    9. The company reserves its right to carry out an examination and an investigation in any case in which at its sole discretion a suspicion arises that an illegal action was taken, that the customer conducted itself improperly or for the violation of these Terms of Use.  It is clarified that the company is obligated to fully cooperate with competent administrative authorities, and it will act according to any judicial order that will be given thereto.
  7. Restrictions
    1. The customer may use the services of the company subject to the following restrictions:
      1. Loading more than NIS 50,000 from the customer’s bank account to the account  will require the approval of the company.
      2. Financial transfer from the bank accounts of a third party to the account:
        1. A transfer of more than NIS 20,000 will require the approval of the company.
        2. A cumulative monthly transfer of more than NIS 50,000 will require the approval of the company.
      3. A cash deposit to the account – through the loading points of the company:
        1. A single deposit: NIS 10,000.
        2. A cumulative monthly deposit of NIS 20,000.
        3. A cumulative annual deposit of NIS 120,000.
      4. Financial transfers from the account:
        1. A cumulative monthly transfer of more than NIS 10,000 to the customer’s bank account will require the approval of the company.
        2. Loading the UNIGIROS card subject to the card’s terms of use, as stated in UNIGIROS website.
        3. Transfer between accounts: No more than NIS 12,000 per month and more than 10 transfers per month.
        4. Bank transfers to a third party: A cumulative monthly transfer of more than NIS 10,000 per month to the bank account of a third party will require the approval of the company.
        5. Bank transfers to a bank account abroad: A cumulative monthly transfer of more than NIS 30,000 per month to a bank account abroad will require the approval of the company.
    2. The company may from time to time change the amounts that are stated in this paragraph.  The updated amounts will be stated in the UNIGIROS website in https://unigiros.co.il/
  8. Commissions and additional payments
    1. The registration to the account and the opening of the account do not include payment to the Company.
    2. Notwithstanding the aforesaid, as far as the account and the services are used during a period of six (6) consecutive months, the company may collect a management fee from you as far as it is specified in the rate of the commissions that is published in theUNIGIROS website.
    3. The customer is fully and exclusively responsible towards the company for any charge that will be imposed thereon due to actions or omissions of the customer contrary to these Terms of Use or according to the law.
    4. In exchange for the services, all or part thereof, the customer’s account will be charged according to the rate of the commissions of the company as will be updated from time to time on the UNIGIROS website in the address https://unigiros.co.il/.  If the rate of the commissions is updated, the company will give a notice through any method and manner of its choice according to the contact details that were provided by the customer, at its discretion.
    5. The company may deduct the commissions for which it is eligible from the funds that will be received or accumulated in the customer’s favor in his account and to credit his account with the funds after deducting the aforementioned commissions.
    6. The company will transfer the full amount with respect to which the payment order was given to the beneficiary, and it will not deduct any commission or another debit therefrom.  It will be clarified that the aforementioned will not limit a provider of payment services to the beneficiary from deducting an amount.
    7. Unless stated otherwise, the commissions that will be collected by the financial statements do not include taxes, mandatory payments and any other payment whose collection will be carried out according to the law or by any competent authority which is not located in Israel.  In addition, it is clarified that the customer may be charged with commissions by third parties as part of carrying out actions in the account, including the transfer of funds from the account to other accounts.
    8. As part of the services, commissions and costs that will be charged by third parties for debits for using the account and for depositing funds or carrying out conversions of funds through third parties may apply.
  9. Becoming familiar with the customer
    1. As part of the registration, the customer will be required to give the company personal details of identification, such as: Full name, Id. No., address, e-mail, telephone number and any additional information and documents that will be required by the company.  Inter alia and at the discretion of the company, the customer will be required to present an identity card or verified copies of two identity cards for the purpose of implementing the procedures of becoming familiar with the customer, the registration of the customer details and their verification and the identification of the customer as required by law including the Law of Prohibiting Money Laundering and Financing Terrorism (Obligations of Identification, Report and Management of Registrations of Service Providers in a Financial Asset and Providers of Credit Services to Prevent Money Laundering and Financing Terrorism), 2020 (hereinafter: “The Law of Prohibiting Money Laundering”).
    2. The company may condition transactions through an intensified verification detail which verifies the identity of the payer at a high certainty level, as will be determined by the company from time to time (including the use of biometric methods of identification, a two-stage verification, etc.).  Without derogating from the aforesaid, if the customer did not provide such verification details or the identification and verification details did not result in identifying the customer at a high certainty level, the company may suspend the implementation or the completion of the requested transactions.
    3. The customer undertakes to provide the company with real, accurate, correct and complete information.  In addition, the customer undertakes to update the information that was conveyed by you as part of the registration in order to maintain its correctness and its completeness.  The company may suspend, cancel or reject the opening of the account or the rendering of the services at its sole discretion if information that is not real, up-to-date, complete or accurate was provided during the registration or thereafter, or if the company have reasonable grounds to assume that the information that was provided is not real, up-to-date, complete or accurate as mentioned above.  It is clarified that at any time after the implementation of the registration, the company may contact you for the purpose of completing details, certificates and written proofs.
    4. The company reserves the right not to approve the registration of a specific user without providing the explanation for rejecting the request.
    5. In order to avoid any doubt, it is clarified that the registration is limited to creating one account per an.  In addition, it is clarified that the use of the account or the services is designated for personal use only.  The account or the services must not be used for the purpose of providing financial service to third parties.
    6. The customer undertakes to protect the supporting device in which the application is installed with reasonable means of protection, to frequently update the operation system of the supporting device, to lock the device in a way that will only allow the user to open it and not to disclose the aforementioned log-in details to any other party.  The company is not responsible for any damage or loss that will be caused to the customer as a result of a hack into the account or any other action that will be carried out in the account.
    7. As part of providing the service and the registration procedure, the customer allows the company to keep certain information about him as required by law and according to the policy of the company.  The use of this information and of any other information about the customer is subject to the privacy policy of the company, and it will only be used if it is required by a competent administrative authority or according to a judicial order.
    8. In order to avoid any doubt, it is hereby clarified that all the transactions and the actions that are carried out through the account and the services will be registered and documented by the company.  The company will fully protect the customer’s privacy, and it will not transfer any information about him, unless it is represented with a demand from a competent administrative authority or according to a judicial order and according to the privacy policy of the company.
    9. Notwithstanding the aforesaid, the company may on a current basis transfer the customer details, all or part thereof, to third parties through which the company provides the service.
  10. The responsibility of the user and the company for using the account and the risks that lie therein
    1. Subject to any law, the company, its employees and its functionaries will not be responsible towards the customer and towards third parties for damage, loss, expenses and payments that may be caused, directly or indirectly, as a result of using the account and carrying out payment orders or money transfers through it.
    2. The company will not be responsible towards the customer or towards any third party whatsoever while carrying out any action in the account and the services, as far as this action is not regulated in the Terms of Use or is carried out in violation of the law.
    3. The Company will not be considered as a party to any transactions that are carried out by the customer. It will be clarified that the company is the provider of the account which constitutes a platform on the basis of which transfers are carried out and payments are issued according to the customers’ desire. The company will not be responsible at all in the event in which a service provider refuses to accept payment through the account.
    4. In order to avoid any doubt, the company is not responsible towards any of the parties for the consideration that will be or was provided with respect to the payment order.  The company will also not be responsible for the actual supply, quality and quantity of the goods or the services on account of which the order was carried out.
    5. The company provides the services of the account and acts through additional parties in order to provide the optimal end-to-end service.  The customer is therefore aware that in spite of the efforts of the company to properly provide the services, it is not obligated and it will not be responsible in the event that the use of the application or the account is not interfered with and will be continuously provided as a result of any malfunctions whatsoever, such as malfunctions at third parties, communication and network lines, Bezeq’s facilities, etc.
    6. From the very nature of the type of service that is provided by the company which is based on computer communication systems, malfunctions which originate in malicious actions may be caused, including: Virus, worm, Trojan Horse, bug, spyware, malware and any other computer code, file, application or software program which may damage or which were intended to damage the operation of the application.  The company operates according to the provisions of the law and in addition thereto in order to protect itself from such damages.  Nevertheless, complete blocking is impossible and there may be damages and losses as a result of malicious actions.  In such a case, the company will act towards repairing the damage within a reasonable period of time, and it will not be considered responsible for damages that will be caused as a result of this malicious activity.
    7. Without derogating from the provisions of these Terms of Use, the company will be exempt from responsibility for any damage or expense which may be caused to the customer, directly or indirectly, as a result of each or more of the following:
      1. A malfunction in the systems, the software programs or the applications that are controlled by the customer, even if they were caused by malwares or by any other hindering factor;
      2. Interruption in the communication lines which the customer uses for the purpose of data communication;
      3. Please note! The company will never demand from you all the data of logging into the system.  Thus, the customer promises not to disclose these details, and it will be responsible for a prohibited use which originates in such a disclosure of details.
    8. As part of the engagements or the transfers of funds to these parties, additional conditions and charges which arise from the aforementioned transactions may apply.  The customer is exclusively responsible for examining the conditions and the consents that apply to the implementation of these transactions.  The company will not be responsible in any event of a contradiction between the Terms of Use and the conditions or the consents of a third party.
    9. In the event of a concern for the disclosure of the customer’s access details or the theft of the supporting device, the customer must immediately log-in to his customer account, as far as possible, to change his verification details and to immediately contact the company.
    10. It will be emphasized that damaging or hacking the ROM and its equivalents to the operation system of the supporting device, the downloading of external APK applications and any other action that you took contrary to the Terms of Use of the supporting device, of the operation system or of the application store may damage the information security and the rendering of the services.
    11. In the event that any of the parts of the essential component that is at the customer’s possession is lost or stolen (including the loss of the supporting device, a hack or a leakage of information that relates to the verification detail that is at its disposal for a third party) or his account has been misused, the customer will have to contact the Company via telephone and via the e-mail address that is specified below at the earliest possible opportunity.
    12. The customer undertakes to act according to the instructions that he will be given by the company.  The date of the conveyance of the information by the customer will be defined as “the date on which the notice was given” as instituted in the law after which the customer will not be responsible for the misuse of the account.
    13. For payments that were issued before the date of the delivery of the update, the company may charge the customer according to the amounts of the limitation of the responsibility for misuse which are instituted in the law as follows (whichever lower):
      1. A fixed amount of NIS 75 plus NIS 30 for each day from the date on which the customer becomes aware of the loss or the theft of the essential component or of the misuse in the account to the date on which the update was delivered, and if the notice was given within no more than 30 days from the date of the loss or the theft of the essential component or the implementation of the misuse – the amount will be limited to NIS 450;
      2. The amount of the payments that were actually issued.
    14. The provisions that relate to the limitation of the responsibility before the aforementioned update was delivered will not apply in the event in which the essential component was transferred to a third party by you, whether the essential component was misused with your knowledge or not.  Notwithstanding the aforesaid, the provisions of this sub-clause will not apply if one of the following cases occurs:
      1. The essential component was placed at the disposal of a third party under reasonable circumstances for safeguarding purposes only or it was placed at the disposal of a provider of payment services for the purpose of carrying out a payment order;
      2. The misuse was carried out after the essential component that was placed at the disposal of the third party was stolen from that person or lost thereby.
    15. It is clarified that the limitation of the aforementioned responsibility will not apply in any event in which it becomes clear that the customer acted maliciously or with negligence.  In such an event, the full and sole responsibility for the misuse will apply to the customer.
  11. Miscellaneous
    1. The company may from time to time change these Terms of Use, and it will notify the customer after each such change.  The version of the Terms of Use is the most updated version which is published in the website of the company or in the application.
    2. The customer may at any time notify the Company about its rejection of the Terms of Use, and the aforementioned notification will be considered as a notification on behalf of the customer about the termination of the agreement with the company.  The customer’s decision to agree to the Terms of Use or not to give any decision on his behalf will be noted as consent to these terms.
    3. The company will contact the customer via the details that were provided by the customer and via messages that will be sent by the application that is installed in the supporting device.  Thus, the customer must update the company with any change in his contact details.  The aforementioned messages and updates will be considered as if they were received and read on the date on which they were sent by the company.
    4. As long as the customer does not instruct the Company otherwise, the Company and the company may use the information that was conveyed by you for marketing and direct mailing according to its privacy policy.
    5. The contact details with the company for urgent messages:
      1. E-Mail address: unigiros@bezeqint.net
      2. Tel.:  +972-3-5010444
      3. WhatsApp: +972-3-5010444
      4. Website: https://unigiros.co.il
    6. The only law that applies to the use of the account and the services, including the Terms of Use, is the Israeli Law.  The only judicial competence to judge in all the matters that relate to this agreement will be granted to the competent courts in the Tel-Aviv-Jaffa District.
    7. The company may assign, endorse or transfer its rights or obligations according to the Terms of Use to any third party subject to the undertaking of that third party to act according to the law and without its infringement of the rights that are granted to the customer.
    8. These Terms of Use are written in the male gender for convenience purposes only, but they are intended for men and women alike.
    9. These Terms of Use were recently updated on June 2, 2022.