Terms and conditions of PayDo website
Company name: Infoart grupa d.o.o.
Address: Lastovska 23, 10000 Zagreb, Croatia
VAT number: HR60162542127
- email: firstname.lastname@example.org
- business hours: 8:30 to 16:30 (workdays)
The company Infoart grupa d.o.o. (hereinafter "IG") provides online services on the World Wide Web network (the Internet) through its paydo.hr (https://paydo.hr) website and through the PayDo mobile application (both hereinafter referred to as "PayDo service") available on Android and iOS mobile devices.
The PayDo service consists of providing information services and executing financial transactions.
IG under material and criminal liability declares that for all the goods and services distributed and sold through PayDo services the company has signed agreements for the sale of goods and services with the actual providers of such services, or their intermediaries in the sale.
All prices are in Croatian Kunas (HRK) - VAT is included - and are valid for all payment methods at the time of purchase.
Prices can be displayed in several world currencies, with the converted amount being informative.
The headquarters of IG is in Zagreb, Croatia. The legal disputes that may arise as a result of using PayDo services (unless a special agreement stated otherwise) are under the jurisdiction of the court in Zagreb, and are dealt with in accordance with the Croatian legislation. By using PayDo services the User agrees that any dispute or claim arising out of or is in connection with these Terms is under the jurisdiction of the court in Zagreb.
The User agrees and accepts that access to PayDo services can sometimes be interrupted, temporarily unavailable or disabled because of regular PayDo website maintenance, or for other reasons beyond the responsibility of IG.
The User can send questions, comments and complaints in writing (by post or email), and IG will reply in writing (by post or email) within the legal deadline.
Acceptance of Terms
By using PayDo services, or using any portion of its content, the User confirms that he is familiar with and agrees with these Terms, as well as all other terms and conditions of using PayDo services.
If the User does not agree with these Terms, or is younger than 16 years, the User is advised not to use PayDo services.
Changes to the Terms
IG reserves the right, if it deems necessary, to revoke or amend at any time and without notice any of the terms and conditions herein, and such changes shall become effective on the date of publication on the website.
Therefore, we advise Users to periodically review the information contained in the Terms and to keep informed of such changes. Continued use of PayDo services, or any portion of its content after the announcement of new modified Terms, assumes that the User accepts the changes.
IG reserves the right to change, amend or discontinue at any time, and without notice, any business segment, including the PayDo service or any part thereof, PayDo website, PayDo mobile application or services provided within. Subject right includes, but is not limited to the change of availability, content, availability of new data, transfer methods, as well as the right to access or use PayDo services.
IG has the right to verify PayDo website content at any time to ensure compliance with these Terms and applicable legal regulations.
Use of PayDo services is solely at the User’s risk.
The User is personally responsible for protecting the confidentiality of passwords, where they exist as such.
The User is aware of the fact that sometimes there will be service interruptions or events beyond control of IG and accepts that IG is not responsible for any loss of data that may occur during the transfer of information on the Internet. In no case shall IG be liable for any damages that may result from the use of, or the inability to use, PayDo services as well as for any damage to User’s equipment that may arise as a result of using PayDo services.
The User is responsible for procuring and maintaining his computer equipment, including all software and hardware owned and used by him, as well as other equipment required to access and use PayDo services and all related costs. User responsibility applies to any damages or possible injury caused by any error, exception, interruption, deletion, defect, delay in operation or transmission, computer virus, interruption in the communication line, theft, destruction or unauthorized access, changes or misuse of records, inappropriate behaviour, negligence, or any other act.
Along with the above-mentioned conditions, IG will not be liable, regardless of cause or duration, for any errors, inaccuracies or other defects, inappropriate or second-hand information found on the PayDo website or PayDo mobile application, as well as for any delay or interruption in the transmission of information to the User, and for any claims or losses deriving from it. None of the above parties shall be responsible for any claims or losses by third parties, including lost profits.
The User agrees to indemnify and not consider IG responsible of any claims for damages and costs, including legal costs, which may arise from the use of PayDo services by the User.
Users may not use PayDo services to post or transmit any materials that threaten, or in any way violate the rights of others, any material that by its nature is unlawful, threatening, abusive, libellous, that obstructs or endangers privacy, that is vulgar, obscene, or otherwise objectionable in considered communication, that encourages illegal activities or otherwise violates any regulation and that, without explicit, prior, written approval of IG, contains advertising or any offer of products and services.
The User must not use PayDo services to advertise or conduct any commercial, religious, political, or non-commercial advertising.
The User explicitly acknowledges that the terms in this chapter relate to the full content and scope of the PayDo service.
PayDo websites and PayDo mobile application are privately owned. All communication and interaction taking place through PayDo services must comply with these Terms.
All materials contained on PayDo website and PayDo mobile application are the exclusive right of IG, or are used with the permission of copyright holders and holders of rights to trademarks and/or design. Any copying, distributing, transmitting, publishing, linking or otherwise altering PayDo website and/or PayDo mobile application without the express permission of IG is strictly forbidden!
Violation of these Terms may lead to litigation and/or to criminal prosecution against the perpetrator for infringement of copyright, trademark rights, or the rights of any other form of intellectual property.
User registration - User account
The use of PayDo services via the PayDo website requires the User to log in to the system using his email address and password specified during the registration process.
To use PayDo services via the PayDo mobile application, the User can also log in to the system as a "guest".
During the registration process and opening of the User account, IG will collect from the User certain personal data subject to Personal Data Protection. During registration and when completing the personal profile, the User is obliged to provide accurate, complete and current information. During registration, the User is not allowed to use names and nicknames that are owned by third parties, information that is unlawful, damaging, threatening, abusing, harassing, slander or in any way harmful to children and minors. Registering two or more accounts to a single legal or physical person is not allowed. In case of violation of these rules IG has the right to deactivate or delete the offending User account.
By activating the account, the User accepts responsibility for all activities undertaken while using the PayDo website or PayDo mobile application.
IG reserves the right to decline registration as well as to revoke or deny further use of the User's account without giving the User any reason for the cancellation or denial of use of his account. Any remaining balance on the PayDo account will be returned to the User.
Logging in as a Guest
If the User accesses PayDo services via the PayDo mobile application, the User can also log in as a "guest". In this case, the system does not record the email address, password, and other information entered when registering the User. IG is not liable for any damage that may result from the loss of a mobile device, including, but not limited to, any damage resulting from the loss of any funds on the User's guest account.
Personal data protection and security
IG is obliged not to misuse Users’ personal data. Personal data includes all information that can be used on its own or with other information to identify, contact, or locate a single person, (e.g., name, email address, home address, etc.). IG is obliged to protect personal data and will collect only basic information about the User, which is necessary for the fulfilment of obligations. All personal data are strictly kept and transferred using encryption over TLS (Transport Layer Security) protocol and, therefore, cannot be used by third parties.
IG will not submit or reveal personal data to a third party, except in cases where expressly required by law and in cases where this is necessary for the fulfilment of obligations. In the event of any change of personal data (e.g., place of residence, delivery address), which is recorded during the registration process on PayDo Website, the User is required to update the changed personal data. In the event that the User did not update changed personal data on PayDo, IG is not responsible for any difficulties and errors in fulfilling orders and emailing receipts.
Any non-personal data (browser type, number of visits, time spent on site, etc.) that is automatically recorded by accessing IG’s Website may be used by IG exclusively for assessing website use and to improve its content and functionality.
The User’s email address is used by IG only for the purpose of processing PayDo orders and payments of PayDo services.
The above personal data protection provisions refer exclusively to the PayDo Website and PayDo mobile application.
Types and payment methods
Payment of PayDo services is possible through the PayDo User account and the following credit and debit cards: MasterCard, Visa, Diners and Maestro (only for payments with one-time card entry).
After receiving a quote, PayDo account top up can be made by bank transfer or by credit and debit card: MasterCard, Maestro, Visa and Diners.
The User account can also be topped up via prepaid vouchers available through the Tisak and iNovine retail network.
Banking card payments are managed by a third party (Corvus Info d.o.o.) through CorvusPay (service that authorizes credit and debit card payments over the Internet - Internet Payment Gateway), which receives the banking card numbers and other data exclusively for the identification and approval of transactions.
CorvusPay provides complete secrecy of your banking card data (card number, validity date and CVV code) from the moment you enter them into the CorvusPay payment form. Payments are forwarded encrypted from your PayDo application or Internet browser to the issuer (bank that issued your card) and are not stored on IG servers. IG is not responsible for any unauthorized use of user’s banking card information.
The CorvusPay payment form is secured with the Transport Layer Security (TLS) protocol. All stored data is additionally protected using encryption with a cryptographic device certified to FIPS 140-2 Level 3 standard. CorvusPay meets all requirements for online payment security prescribed by leading card companies and operates in accordance with the PCI DSS Level 1 standard, which is the highest security standard in the payment card industry.
When paying with banking cards included in the 3-D Secure program, beside the validity of the banking card, the issuing bank also verifies your identity by using tokens or passwords.
MasterCard® SecureCode™, Verified by Visa