Astropay - Simple Money

IMPORTANT INFORMATION: These terms and conditions (“Terms”) govern the use of the Services (as defined below), which are provided by Larstal Limited, a United Kingdom company with registered office at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA, (“we”, “,us” “our” “Larstal” or “Provider” ) to any person whose application we approve (“you” or “your”).

By purchasing a Larstal Prepaid Voucher (as defined below) with us, you confirm that you have read, understood and agree to these Terms. We recommend that you print a copy of these terms for future reference.

These Terms refer to the following additional terms, which also apply to your use of the Services:

Our Privacy Policy, which sets out the terms on which we process your personal data. You agree that any and all personal data provided by you is accurate.
Our Cookie Notice which sets out information about the cookies used on our website and Web & Mobile App.
Our Prepaid Voucher Terms and Conditions

Definitions and Interpretation

In these Terms, capitalised words and expressions have the following meanings, unless otherwise stated:

“Applicable Laws”	means any applicable statutes, laws, ordinances, orders, judgments, decrees, rules or regulations issued by any government authority, and any judicial or administrative interpretation of any of these;
“Web & App”	means the website or mobile application and any other software (for use on mobile devices or otherwise) offered by us in the future offering similar or additional functionality as the Website or Mobile Application;
“Available Balance”	means the amount of E-Money issued by us to you, but which you have not yet spent or redeemed;
“Business Day”	means a day (other than a Saturday or Sunday or a public holiday) when commercial banks are open for ordinary banking business in London;
“Chargeback”	means a circumstance whereby the Customer claims that the products and/or services were not received and therefore demands to be refunded the payment made for that product and/or service;
“Customer/User”	means any person or business who wishes to open an Account and set up a Wallet with Larstal.
“E-Money”	means electronic money issued by us to you for use by you in transferring value to Gaming Operator or User or receiving value back from Gaming Operator or User;
“Fees”	has the meaning given to it in Clause 7;
“Force Majeure Event”	means any event or circumstance which is beyond our reasonable control, including: any act of God, flood, earthquake or other natural disaster, terrorist acts, riots, war, sanction or embargo, fire, explosion or accident, industrial action of any kind, interruption or failure of any utility service or act taken by any government authority;
“Governing Law”	means the laws of England and Wales;
“Inbound Transaction”	means a Refund or a payment of Larstal Prepaid Voucher from a Merchant to you;
“Merchant”	means a third-party provider of online or in-person gaming and betting activities, or other services, authorised by us to accept Outbound Transactions and make Inbound Transactions;
“Intellectual Property Rights”	means patents, utility models, trademarks, service marks, trade and business names, rights in designs, copyright (including rights in software), database rights, domain names, semiconductor topography rights, rights in inventions, rights in knowhow and confidential information and other intellectual property rights which may subsist in any part of the world, in each case whether registered or not (and including applications for registration);
“Larstal Account” “Account”	your account with us which will contain the online E Money Wallet.
“Larstal Prepaid Voucher” or "Voucher”	means a virtual prepaid voucher, purchased in one of the ways set out in Clause 3.1, which is operated by us and which allows you to spend its value on Merchant’s website and to redeem your money from Merchant’s accounts by issuing Astropay Prepaid Vouchers.
“Losses”	means all losses, damages, claims, liabilities, costs and expenses (including reasonable attorneys’ and other reasonable legal fees and expenses);
“Outbound Transaction”	means a payment by you for goods, services, privileges or other rights using your Larstal Prepaid Voucher;
“Refund”	means a partial or full reimbursement to you in E-Money or in a Larstal Prepaid Voucher from a Merchant for an earlier Outbound Transaction with the same Merchant that was either not redeemed or for which it is otherwise determined the amount paid, partially or in full, should be returned;
“Services”	has the meaning given to it in Clause 4; and
“Transactions”	means Outbound Transactions and Inbound Transactions;

In these Terms:

references to “include” or “including” do not limit the generality of any preceding words and are to be construed without limitation;
references to a “person” include any individual, company, partnership, joint venture, firm, association, trust, government authority or other body or entity (whether or not having separate legal personality);
the headings are inserted for convenience only and do not affect the construction of these Terms; and
unless the context otherwise requires, words in the singular include the plural and vice versa and a reference to any gender includes all other genders.

Changes to these Terms

We may, in our sole discretion, update or amend these Terms from time to time. Every time you wish to use our Services, please check these Terms to ensure you understand the terms that apply at that time. If you do not accept these Terms, now or as amended, you may discontinue your use of the Web & App and the Services by terminating your Account in accordance with Clause 12 below; provided, that any continued use of the Web & App or the Services will constitute your agreement to have these Terms govern your use and any Transactions connected with your use.
Notice of any updates and amendments to these Terms will be given to you through the Web & App or by notification by email at least two (2) months in advance. By continuing to use our Services after that two (2) month period, you agree to be bound by the updated or amended terms.

Astropay Prepaid Vouchers and Eligibility

You can purchase Astropay Prepaid Vouchers:

from our Website (credit/debit card, bank transfer or payment processor); or
hrough a Loading Transaction (defined below) using your Larstal Wallet.

You may register for an Account via Web or App or other means that we may in the future prescribe. If you choose to register for an Account, you agree to provide us with true, accurate, current and complete information about yourself, and update us if there are any changes to that information or data.
You affirm that you are legally deemed as having full capacity and you are at least 18 years of age.
Your Prepaid Voucher will not be activated unless we have been provided with the required information so that we may identify you, verify your age, and comply with all applicable know-your-customer (“KYC”) requirements. We shall keep records of the information and documents you provide in accordance with our Privacy Policy and all applicable legal and regulatory requirements.
We reserve the right to not accept your purchase of a Voucher or your application to open a Larstal Account. We are not obliged to provide the reason for declining your purchase or application. If we have reasonable grounds to suspect that any information you have provided to us is untrue, inaccurate or incomplete, we may suspend or terminate your agreement with us and refuse any and all current or future use of the Services by you.
Your eligibility to access certain Services may depend on the country in which you reside or are based from time to time. You shall not attempt to access or make use of the Services from or in any jurisdiction where such access or use is prohibited by Applicable Laws.

Services

We will provide the following services to you (collectively, the “Services”) in accordance with these Terms:

providing and maintaining your Larstal Account if you choose to open one;
exchanging or transfer Vouchers with other Larstal Users;
Issuing and redeeming Astropay Prepaid Vouchers.

Access to your Account and use of the Services

You may access your Account by logging into your Larstal Account through the Web or App. From there, you will be able to see your Account history and transaction activity, and view and edit your Account details which will contain also the details of your Astropay Prepaid Vouchers.
You should check your Account history and Transaction activity regularly and contact us immediately in relation to any irregularities or enquiries. We shall not be liable for any Losses that result from any inaccurate information you provide.
To the extent that you are required to separately on-board with any Merchant, you acknowledge and agree that we shall not be required to authorise any Transactions with that Merchant unless and until you are separately on-boarded as required by them. You take full responsibility for ensuring that you are on-boarded with the relevant Merchant prior to attempting to make a Transaction with that Merchant.
The value of each Outbound Transaction will be deducted from your Available Balance and the value of each Inbound Transaction will be credited to your Available Balance. You must ensure that you have a sufficient Available Balance from time to time to pay for your Outbound Transactions and any Fees relating to those Outbound Transactions.
If for any reason (a) an Outbound Transaction that you request, or (b) the deduction of applicable Fees would result in your Voucher having a negative balance, we will not process that Outbound Transaction. Not processing an Outbound Transaction in the circumstances described in this Clause 5.5 will not constitute a breach of these Terms.
We may refuse to authorise any Transactions or a use of the Services that could breach these Terms, or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other illegal or unauthorised use of the Services. Nevertheless, we are not a party to any Transactions, and, as further set forth in Clause 14 below, we disclaim any liability for any failures, breaches, acts or omissions of the Merchants in connection with the Transactions.
You are solely responsible for resolving any disputes you may have with Merchants in connection with Transactions or otherwise. We may, but we are not required, to assist you in your dispute with a Merchant. If we do elect to assist you in a dispute with a Merchant, you hereby acknowledge that such assistance shall not constitute a waiver of any provision of these Terms, including this Clause 5.7 or Clause 14.
Your ability to use or access the Services or Astropay Prepaid Vouchers may occasionally be interrupted, for example if we need to carry out maintenance on our systems. Please contact us in accordance with Clause 15 if you wish to report any issues.
You agree:

to only use the Services for lawful purposes and to adhere at all times to all Applicable Laws and these Terms;
not to attempt to discover any source code included in the Webb & App or Account, upload to our systems any malware, viruses or other unauthorized object code or source code, or otherwise disrupt or interfere with the conduct of the Service;
not to copy, adapt, reverse engineer, decompile, disassemble, modify, adapt or make error corrections to the Web & App in whole or in part, except to the extent permitted by Applicable Law.

Important information about Prepaid Vouchers

Following a successful purchase of the Prepaid Voucher as described in Clause 3.1 above, the Voucher is automatically emailed to the email address you provided.
Each Prepaid Voucher:

has a unique 16-digit number;
is non-reloadable (this means you will not be permitted to “top up” your Prepaid Voucher and must purchase a new Prepaid Voucher for any subsequent purchase); and
has a one (1) year expiry date from the date of issue.

If you purchase a Prepaid Voucher through your Larstal Wallet, you must do so by first loading funds onto your Wallet and obtaining E-Money (“Loading Transaction”). We may ask you to answer security questions or to complete other activities so that we may ensure proper authorisation of a Loading Transaction.
For a list of the permitted methods for purchasing Prepaid Vouchers in your country of residence, please visit our website. Please note that we may change this list in our sole discretion from time to time. The execution of your payments by third party payment providers in order to purchase Vouchers are not part of our Services. We do not guarantee your ability to use any particular third-party payment provider to purchase a Voucher and we may discontinue accepting payments processed by any such third party payment provider at any time in our sole discretion.
We reserve the right to suspend or cancel your Prepaid Vouchers in the event of any chargeback that occurs during any attempted purchase of a Prepaid Voucher or any Transaction. We reserve the right to send you reminders or to take other debt collection measures, and we may charge a Fee in connection with any debt collection or enforcement measures.
If you believe that you did not Authorise a particular Transaction, that a Transaction was incorrectly executed you should contact at support@larstal.com.
In relation to an unauthorised or incorrectly executed Transaction or deduction you must contact us without undue delay (i.e. as soon as you become aware of the problem). We will not be held liable for any Transaction that was unauthorised or incorrectly executed if you have failed to contact us without undue delay – in these circumstances you may be held liable. You should also confirm the disputed Transaction by writing (email to support@larstal.com) setting out full details of the Transaction and your reason for disputing it.
You must provide us with all receipts and information that are relevant to your claim.
Subject to you notifying us without undue delay, we shall refund to you the amount of any Transaction not Authorised by you immediately.
If we subsequently establish that the Transaction was Authorised by you, or you have acted fraudulently or have with intent or gross negligence failed to keep your Account security details safe, we may deduct the amount of the Transaction from your Available Balance. If you do not have sufficient Available Balance for the deduction, you must repay us the amount immediately on demand.
If you have acted fraudulently or have with intent or gross negligence failed to keep your Account security details safe, you will also be liable for all losses we suffer in connection with the unauthorised Transaction, including but not limited to the cost of any investigation we carry out in relation to the Transaction.
Except where you have acted fraudulently (in which case you will be liable in full), you will not be liable for any losses if: you have notified us about the unauthorised Transaction in accordance with paragraph 1. above, or we failed to provide an appropriate means of notification, or where the unauthorised Transaction was not carried out face to face.
Unless already covered in paragraph 6.12 and 6.13 above, you will be liable for losses up to a maximum of the equivalent of £35 in the case of unauthorised Transactions resulting from the loss or theft of your Voucher security details, or, where you have failed to keep your Voucher security details safe, their misappropriation.
Our processing and performing of Services will be subject to our usual fraud, money laundering and other operational and customer service checks. Accordingly, there may be delays in the time required for Voucher to appear in your Account once you have performed a Loading Transaction. Unless we expressly state otherwise, we shall not act as merchant in relation to any Transaction.
You must not purchase a Larstal Prepaid Voucher through a debit card or other payment instrument or a payment account if you are not the named holder of that payment instrument or account. Any attempt to use a payment instrument or account of which you are not the named holder will be considered a fraudulent act. Without prejudice to claiming further Losses, if we are required to return funds loaded from a payment instrument or account that is not in your name, we may charge a Fee.
You accept and agree that a Loading Transaction made in a currency other than Euros will be converted into Euros by the web or App at the rate of exchange displayed on the Web or App at the time of that Loading Transaction (please see our website for details of the source of the exchange rates used by the Web or App from time to time). You accept that such conversion shall be entirely at your own cost and risk, including the result of any fluctuation or difference between the rate of exchange displayed on the Web or App at the time of the Loading Transaction and at the time of the redemption request.
If you perform a Loading Transaction by debit card, your payment information will be stored securely in accordance with Applicable Laws.
A Prepaid Voucher is not a deposit account, which means that your funds will not be protected by the Financial Services Compensation Scheme in the United Kingdom. However, we will hold funds received in a designated safekeeping account with a regulated financial institution in accordance with the Electronic Money Regulations 2011(as amended by the Payment Services Regulations 2017), and those funds will not be used by us other than on your instructions in connection with your Transactions in which you used your Prepaid Voucher. Your Voucher does not grant or accrue any interest or bonuses related to the duration of time that your Voucher remains valid or otherwise.
Users are specifically prohibited from using AstroPay Voucher in sites which are prohibited businesses as per their local laws. As an example a UK user shall not use the Prepaid Vouchers in prohibited businesses as per UK law. Any non compliance with the aforementioned shall be considered breach of these terms and conditions.

Using your Account

Fees. If you choose to open a Larstal Account and buy Prepaid Vouchers, we shall charge you the fees as set out in the Fees Schedule located in the website or mobile App. As that Schedule may be amended from time to time in accordance with this Clause (the “Fees”), you agree that any Redemption Fees and other amounts due and payable to us under these Terms may be deducted from the value of the voucher, without further notice. We further reserve the right to change our Fees upon two (2) months’ notice given to you through the web or App or by email prior to such changes going into effect. Such deductions may be made at any time, and without us notifying you, but these will be reflected in the information in your Account.
Managing your Account. You are responsible for:

the use of your Prepaid Vouchers;
ensuring that your use of the Services or access to your Prepaid Vouchers complies fully with these Terms; and
the safekeeping of your username and password for your Account.

Account username and password. Do not share your username or password with anyone. If you disclose your username or password to anyone, you are responsible and liable for their access, use or misuse of your Account. If your username, password or other details are lost, stolen or compromised, or you believe a third party has unauthorised access to your Account, you must contact us immediately in accordance with Clause 15. We will take reasonable steps to stop unauthorised use of your Account, which may include suspending or cancelling your Account or otherwise suspending access to the Prepaid Voucher.
Changes to your Account Details. You must notify us immediately of any change in your details. We cannot guarantee proper performance of the Services in the event the details you have provided are not accurate or become inaccurate. We disclaim all liability for any Losses that may result from such inaccuracies. You can notify us by contacting us in accordance with Clause 15, and we may require you to confirm such notification in writing or through other factors of authentication (which may include messages or calls to your mobile phone, or confirmation mail to your physical address). You will be liable for any Loss that directly results from any failure to notify us of any change. In order to verify a new address, you must provide any proof that we require.
Verifying your identity. We reserve the right at any time to seek verification as to your identity and address (for example, by requesting relevant original documents), including for the purposes of preventing fraud and/or money laundering. In addition, at the time of your application or at any time in the future, we may perform, in connection with the Services, electronic identity verification checks either directly or using relevant third parties. You agree to provide us with the information we request for purposes of identity verification and the detection of money laundering, terrorist financing, fraud or any other financial crime, and we will keep a record of such information in accordance with our Privacy Policy. If you fail to provide the requested information, we reserve the right to suspend your Account or Prepaid Vouchers pending receipt and verification of that information.

Proprietary Rights

All rights, title and interest in, and to, the Intellectual Property Rights subsisting in, or embodied by, the Webb & App, the Services, any proprietary software or other technology required to operate Web & App or the Services, and any modifications or improvements thereto, including any derivative works, are retained by us and protected under applicable Intellectual Property Rights.
By activating your Account, we grant you a limited permission to use the Web & App solely for the purpose of benefitting from the Services in accordance with these Terms. In particular and without limitation, this permission does not grant you the right to create, author or invent any modifications or improvements to, or derivative works of, the Web & App. We may suspend or terminate this permission in accordance with Clause 10. Notwithstanding the foregoing, nothing in these Terms grants you any permission or right to use our trademarks, service marks, trade dress, slogans, logos or other indicia of origin.
If you submit any ideas, suggestions or other feedback to us about the Web & App or the Services, you grant to us the right to use or disclose such feedback without any further obligation to you. All rights not expressly granted to you under these Terms are reserved by us.

Right to cancel

You have the right to cancel your Prepaid Vouchers and these Terms for any reason within a ‘cooling-off’ period of fourteen (14) days from the date on which your Prepaid Voucher is purchased. You must contact us within this fourteen (14) day period and inform us that you wish to withdraw from these Terms and you must not make any Transactions. We will then cancel your Voucher and reimburse your Available Balance to you within fourteen (14) Business Days of our receipt of your cancellation request.
If you fail to exercise your right to cancel under this Clause 9.1, then these Terms shall remain in full force and effect and you may only terminate your Prepaid Voucher and these Terms in accordance with Clauses 2.1 or 10.

Termination and Suspension

If you wish to terminate these Terms at any time, you must inform us of your wish to terminate through the Web or App or by notifying us in accordance with Clause 13.
We may terminate these Terms for any reason by giving you 2 months’ prior notice.
We may also terminate or suspend your Account or your use of the Services or terminate these Terms immediately in the event that:

we reasonably believe that you have used or are likely to use the Services, or allow them to be used, in breach of these Terms;
we reasonably believe that you are in any way involved in any fraudulent activity, money laundering, terrorism financing, other criminal activity, other breach of Applicable Law, or if we have any other security or legal or regulatory compliance concerns;
we reasonably believe that you have provided false or misleading information;
we reasonably believe that you are involved in any dispute or disagreement with any Merchant whether that dispute or disagreement relates to the Services or otherwise; (e) we are unable to verify your identity or any other information pertaining to you; (f) we are required to do so in accordance with our legal and regulatory obligations under Applicable Law; or (g) we cease to be authorised to provide the Services.

If there have been no Prepaid Vouchers for a period of at least one (1) year, we reserve the right to terminate the Account and these Terms. We will notify you ahead of any such termination.
Upon termination of these Terms in accordance with this Clause 10, all pending Prepaid Vouchers will be redeemed within thirty (30) Business Days:

of the date on which you inform us of your wish to terminate these Terms; or
on which termination otherwise occurs in accordance with this Clause 10.

Upon termination of these Terms, unless otherwise expressly stated in Clause 11, the provisions of Clause 11 shall apply in such circumstances.
Upon termination of these Terms for any reason, we may continue to process your personal data in accordance with the terms of our Privacy Policy and Cookie Notice, as applicable, in accordance with data protection legislation.
The Terms in effect as of the date of the termination will survive and continue to apply to any aspects of your use of the web or App or the Service prior to termination, including your Account information, your Available Balance, any outstanding Transactions, and any relationship between you and a Merchant formed with the assistance of the Web or App or the Service.
The termination or expiry of these Terms for whatever cause shall not affect any provision of this Agreement which is expressed or by implication intended to survive or operate in the event of termination or expiry of the Agreement, including but not limited to Clause 7 (Using Your Account), Clause 8 (Proprietary Rights), Clause 10 (Termination), Clause 11 (Redemption) and clause 12 (limitation of liability).

Liability

If we fail to comply with these Terms, we shall be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we shall not be responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us when you activated your Account.
We do not in any way exclude or limit our liability for:

death or personal injury caused by our negligence; or the negligence of our employees, agents or subcontractors;
fraud or fraudulent misrepresentation;
any breach of the terms implied by section 12 of the Sale of Goods Act 1979 (title and quiet possession);
any breach of the terms implied by section 13 to 15 of the Sale of Goods Act 1979 (description, satisfactory quality, fitness for purpose and samples); and
defective products under the Consumer Protection Act 1987.
any loss of profits, business, revenue or savings (actual or anticipated), loss of agreements or contracts, loss of opportunity, loss of data or loss of, or damage to, goodwill or reputation (including as a result of your inability to participate in any services or offerings of a Gaming Operator, to the extent that is caused by a failure in the Web & App or the Services or delays in the time required for Vouchers to appear in your Account once you have performed a purchase;
any Losses in connection with the rights, privileges, licenses, goods or services that are purchased with your Voucher from a Gaming Operator or the terms on which they are provided by a Gaming Operator;
if a Gaming Operator or User refuses to accept a Voucher or other payment; or
any failure of a Gaming Operator or User to remit value to you, in a Voucher or otherwise, even if such failure is a breach of the Gaming Operator or User terms with you.

Except as provided in Clause 14.1, we shall not be liable under or in connection with these Terms for any loss of profits, business, revenue or savings (actual or anticipated), loss of agreements or contracts, loss of opportunity, loss of data or loss of, or damage to, goodwill or reputation (including as a result of your inability to participate in any goods, services or offerings of a Gaming Operator, to the extent that is caused by a failure in the Web & App or the Services or delays in the time required for Voucher to appear in your Account once you have performed a Loading Transaction or a Gaming Operator has authorised an Inbound Transaction);
You are solely responsible for your interactions with Gaming Operator or User. Subject to Clause 5.4, we reserve the right, but have no obligation, to monitor or mediate any disputes between you and any Gaming Operator or Users.
Notwithstanding Clause 14.8, and except as provided in Clause 14.1, we shall not be liable for any unauthorised or incorrectly executed Transactions in the event that the Transaction was affected by abnormal and unforeseeable circumstances beyond our reasonable control or where we acted in accordance with a legal or regulatory obligation.
This Clause shall survive cancellation of these Terms.

Force Majeure

We shall not have any liability under, or be deemed to be in breach of, these Terms for any delays or failures in performance of any of our obligations under these Terms that result from a Force Majeure Event.

Contact Details and Notice

If you have any questions or concerns about the Services, or to report issues with your Account, please contact us by email at support@larstal.com.
You may serve notices to us in writing at the contact details at Clause 15.1.
You accept and agree that we may serve notices to you in writing to the email address linked to your Account. You may amend the same from time to time.
You agree that we may provide you with notices and other disclosures in connection with your Account and the Services by email or by posting notices on the Web & App

Miscellaneous

We may at any time transfer all or any of our rights and obligations under these Terms to any third party (including by way of merger, consolidation or the acquisition of all or substantially all of our business and assets relating to these Terms), but this will not affect your rights or our obligations under these Terms.
You may only transfer your rights or your obligations under these Terms to another person if we give our prior written consent to this.
This agreement is between you and us. No other person shall have any rights to enforce any of its terms, whether under the Contracts (Rights of Third Parties) Act 1999 or otherwise. Neither of us will need to get the agreement of any other person in order to end the contract or make any changes to these Terms.
Nothing in these Terms is intended to, or shall be construed so as to, establish or imply any partnership or joint venture or a relationship of principal and agent between you and us or constitute either of you or us as the agent of the other party, or authorise you or us to make or enter into any commitments for or on behalf of the other party.
Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.
These Terms and the documents referred to in it, constitute the whole agreement between you and us relating to the subject matter of these Terms, and supersede any prior written or oral arrangement, understanding or agreement between them relating to such subject matter.
These Terms are provided to you in the English language. Where we have provided a translation of these Terms to you, you agree that such translation is provided for your convenience only and that the English language version of these Terms will govern your relationship with us. If there is any contradiction between the English language version of these Terms and any translation, the English language version takes precedence.

Governing Law and Jurisdiction

This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
Each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims). If you are a resident of Northern Ireland or Scotland, you may also bring proceedings in Northern Ireland or Scotland respectively.

Complaints handling

LARSTAL LIMITED is a private limited company registered in England & Wales under company number 11970628, and whose registered office address is at Victoria House, 178- 180 Fleet Road, Fleet, England, GU51 4DA is authorised by the Financial Conduct Authority (“FCA”) as an electronic money institution.
If you wish to make a complaint about the Services, You can email us at support@larstal.com, with brief details of your complaint and the phone number and email address associated with your Account or request our complaint form and send to our service email address on the form.
If the complaint is not resolved by the end of three business days after it’s received, we initiate a formal complaint handling procedure. We will acknowledge Your complaint by email within five business days. The email will contain details of the complaints handling procedure and Your right to refer the complaint to the Financial Ombudsman Service if You are dissatisfied with our assessment and ruling.
We will send you a final response to your complaint within 15 days upon receipt regarding the complaints about rights and obligations arising under Parts 6 and 7 of the Payment Services Regulations 2017 or within eight (8) weeks upon receipt regarding complaints not related to rights and obligations arising under Parts 6 and 7 of the Payment Services Regulations 2017. Should it not be possible to resolve your complaint in this timeframe, we will provide you with a date when we will respond to you, with a reason why, or in any case this will be no later than 35 business days from the date when the complaint was received.
If you have a complaint about any regulated aspect of the Services that we cannot resolve within the terms specified in Clause 23.4, such complaint may be referred to the Financial Ombudsman Service at The Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London, E14 9SR, United Kingdom (further details can be found at www.financial-ombudsman.org.uk).

END OF AGREEMENT

1. Europe / 1.1. Users / 1.1.2. Voucher