Terms & Conditions

TERMS & CONDITIONS AGREEMENT

This agreement is a contract between the client (individual or business) and Rubicon Sh.a, which fully owns the “Pago” platform, NUIS M02129014T, , with address: Rr. “Donika Kastrioti”, Teknoprojekt Building, 6th Floor, Door 3, Tirana, Albania. Rubicon Sh.a is licensed by the Bank of Albania under license no. 52 dated 21.01.2022 as a Non-Bank Financial Institution.

This Agreement constitutes TERMS AND CONDITIONS and governs the rights and obligations regarding the use of the pago.al web platform and the “Pago” mobile application.

Please read this Agreement carefully before using “Pago”, as by using the Service, pursuant to Article 686 of Law no. 7850, dated 29.7.1994 “Civil Code of the Republic of Albania” (as amended), you acknowledge and agree to be bound by its terms. If you do not agree to any of the terms and click the “I do not accept” button, you will not be able to use this Service. By clicking the “I accept” button, you provide your explicit consent and acceptance of these terms, which constitute a binding agreement between the Client and “Rubicon”.

1. DEFINITIONS:

a) “Pago” – Rubicon’s digital platform, on which its services and working conditions are offered.

b) “Digital Platform” – is the electronic services platform that guarantees access to the Client’s accounts as well as other products using the website and/or the “Pago” application downloaded to the mobile device, hereinafter referred to as the services via the internet and mobile phone.

c) “Mobile Application” – means the digital services provided by Rubicon to the Client by providing access to the account(s) / products via the “Pago” application downloaded to the mobile device.

d) “Client” – refers to any client of Rubicon who has completed the Know Your Client (KYC) process and has been accepted by Rubicon to benefit from the Digital Services.

e) “Know Your Client (KYC) procedure” – means a set of rules used to deal with policies for accepting and identifying clients and managing their risk.

f) “Beneficial owner” – is the natural person who ultimately owns or controls a customer and/or the person on whose behalf a transaction is carried out. This also includes those persons who exercise ultimate effective control over a legal person or legal arrangement. Ultimate effective control is the relationship in which a person:

i. owns directly or indirectly at least 25% of the shares or votes of a legal person or legal organization;

ii. alone owns at least 25% of the votes of a legal person or legal organization based on an agreement with partners or other shareholders;

iii. determines de facto the decisions taken by the legal person or legal organization;

iv. controls in any way the election, appointment and removal of the majority of the administrators of the legal person or legal organization.

g) “PEP – Politically Exposed Persons” – are persons who:

i. are obliged to declare their assets, according to Law No. 9049, dated 10.4.2003 “On the declaration and control of assets, financial obligations of elected officials and certain public servants” (as amended), including family members or persons connected in close personal, work or business relationships, with the exception of middle or low-level managerial employees, according to the provisions of the civil service legislation.

ii. have held or hold important functions in a government and/or in a foreign country, such as: heads of state and/or government, senior politicians, senior government, court or military officials, senior managers of state-owned companies, important officials of political parties, including family members or persons related in close personal, work or business relationships.

iii. have held or hold important positions in international organizations, including family members or persons connected in close personal, work or business relationships, within the meaning and rules set out in the by-laws implementing this law. This category of persons is considered “politically exposed persons” for up to 3 years after leaving office.

h) “Resident” – according to Law No. 9920, dated 19.5.2008 On Tax Procedures in the Republic of Albania, it will be called:

i. the individual, who:

– has a residence in the Republic of Albania, within the meaning of Article 12 of the Civil Code;

– has Albanian citizenship and is a diplomatic functionary or performs a similar function, on behalf of the Republic of Albania, outside its territory;

– continuously or intermittently, stays in the Republic of Albania for more than 183 days in a period of 365 days;

ii. natural person, who is registered with the competent body in this capacity, based on Albanian legislation

iii. legal entity, which:

– is registered as an Albanian legal entity;

– has the place of effective administration of the activity in the Republic of Albania;

i) “Residence” – is the unit in which one lives for more than three months continuously, or more than six months in a calendar year.

j) “Organizime ligjore”– janë trustet apo marrëveshjet e tjera të ngjashme.

k) “Property” – are rights or property interests of any kind over an asset, whether movable or immovable, corporeal or incorporeal, material or immaterial, including those recorded in electronic or digital form, including, but not limited to, instruments such as accounts, loans, traveler’s checks, bank checks, payment orders, all types of securities, money orders and letters of credit, as well as any interest, dividends, income or other value arising therefrom.

l) “Subject” – is a natural or legal person who establishes business relationships with clients, in the course of its normal activity or as part of its commercial or professional activity.

m) “Direct electronic transfer” – is any transaction carried out on behalf of a Client through a financial institution, by electronic or telegraphic means, for the purpose of making available a certain amount of money or other money market or payment instruments, to a beneficiary person/entity.

n) “Business Day” – means any day (excluding weekends) during which businesses operating in the Republic of Albania are open for business. Official holidays are not included.

o) “Client Device” – means all appropriate devices and equipment, computer software programs (including all downloaded programs), communication channels (including public communication channels) and mobile device devices that can use Google’s Android and Apple’s iOS operating systems.

p) “Malicious Applications” – refers to applications that access, modify, collect information from the User’s mobile device or applications installed on the User’s mobile device.

q) “Security elements” – means one-time password via SMS OTP message, PIN code, Mobile Token.

r) “Mobile Token” – the authentication application integrated with the digital service application downloaded to the mobile phone. Once activated, this downloaded element on the mobile phone can be used to authenticate users and authorize transactions by scanning a color image (cronto) or by generating a one-time password (OTP – One Time Password).

s) “SMS OTP” (One-time Password sent by text message) – means the secret one-time number displayed to the Client on the registered mobile phone number, which is only available to the Client. The one-time password sent by SMS OTP is valid for identifying the Client.

t) “PIN Code” – a combination of at least 4 (four) characters determined during the activation of the application on the mobile device or on the physical device. The PIN code is used for authentication purposes when performing transactions.

v) “Password” – is a combination of characters which can be numbers, letters and symbols and is used as one of the components of the customer’s identification to access the account.

2. GENERAL PROVISIONS

a. Digital Services can be used by any Client who has passed the Know Your Client process and has been confirmed by Rubicon to open an account.

b. By accepting these terms, the Client declares that Rubicon has provided him with all the necessary information referring to the services provided under this agreement. Through the application according to the specified steps, it means the Client’s approval that he understands and agrees with all the rights and obligations arising from this Agreement.

c. A certain range of products and services is offered through “Pago”, for which Rubicon has the right to change them without any specific prior approval from the Client. Any changes or additions made to the agreed digital services, as well as new services undertaken or the availability / absence of specific services will be communicated to the Client 15 days before the effective date, via notification in the app, publication on the web or e-mail.

d. Rubicon informs the client that it has the right to impose restrictions on the performance of operations through the digital services platform depending on the requirements of applicable legislation, Rubicon’s internal regulations, these working conditions, as well as the requirements for maintaining adequate security of Rubicon’s own systems.

e. By signing this Agreement, the Client grants Rubicon irrevocable consent and authorization that Rubicon, at its discretion, due to improvements, increased security measures or changes in current legislation in force, may revoke or change the transaction and daily limits for transactions agreed with Rubicon to be executed through digital services.

f. Transactions carried out through digital services in favor of third-party accounts will only be carried out if the Client fills in the 4-digit code that is created by him/her at the moment of opening the account.

g. Rubicon shall not be held liable for any potential damages resulting from or relating to transaction errors, technical defects of any kind or nature, line interruptions, incompatibilities with facilities sanctioned and administered by third parties, including but not limited to: mobile service operators or private network providers. The Client shall bear the risk of defects in the Client’s own hardware or software or misuse of identification elements.

REGISTRATION IN THE DIGITAL SERVICE and Working Conditions

The PAGO platform is offered as an application for Android, iOS and as a website.

Clients, by going through the “Know Your Client” process remotely (without physical presence), during the steps followed in this process, accept the condition that the camera and microphone of the electronic device they will use will be turned on for authenticity reasons.

The Pago platform is only offered to individuals (residents and non-residents) of legal age (over 18 years old), who in order to have a “Pago” account must follow the following steps:

3.1 Working Conditions – Individuals:

1. The phone number through which the client will be connected must be set, to which notifications will be sent as security numbers that will serve to proceed to the next steps;

2. The client is notified by SMS of a 6-digit code as part of the One Time Password practice;

3. A photo of the identification document on both sides is then required;

4. The customer, focused on the camera, acts according to the suggestions that appear on the screen. This step is done to avoid cases where identification is done by manipulation through a customer’s photo;

5. At this point, 50% of the verification process is complete! The data generated from the card photo is displayed in a tabular form, which the client accepts by pressing the “continue” button if the data is correct. If the data is displayed incorrectly, the “change data” option is selected, which is filled in manually by the client.

6. Next, the client is required to create a password according to the specified description, which must be remembered as it serves as a security step and will be used in every transaction that will be carried out;

7. The electronic address (e-mail) is valid for maintaining communications and notifications in function of Pago services;

8. The client must establish his/her place of residence;

9. Optionally left if the client wishes to perform biometric identification.

3.2 Working Conditions – Businesses:

i. In the case where an individual has an account on PAGO and owns a personal business, i.e. the private entity (business) has the same administrator and shareholder as the same individual who has the account on the Pago platform, the business account can be created within the individual account by filling in the required fields.

ii. In the case where the entity has several shareholders, the following procedure is followed:

After downloading the application, upon opening it, several fields appear that must be filled in to proceed with the next steps. The mandatory fields to fill in are:

1. The telephone number of the entity through which notifications will be sent as security numbers that will serve to proceed to the next steps;

2. Trade name of the entity;

3. Unique Entity Identification Number (NUIS/NIPT);

4. Legal form of the business;

5. Date of creation of the entity which will be in the order Year/Month/Day;

6. Date of signing of the Agreement / Terms of Service with Rubicon which coincides with the date of application for opening an account in PAGO;

7. The object of the entity’s activity;

8. Exact address of the subject;

9. The subject’s electronic address, which will serve for official communications with Rubicon;

10. Place of activity (City, District);

11. After completing these fields and accepting to proceed to the next step, the legal representative of the entity is notified by SMS of a 4-digit code which is one of the steps of user authentication.

12. The next step will be to upload the documents needed to fulfill the obligations for the “Know Your Customer” (KYC) process. The documentation that needs to be uploaded to the platform is:

a) Photo of the identification document from both sides of the legal representative of the company.

b) Electronic copy from e-albania of the company’s historical extract.

c) Electronic copy from e-albania of the historical extract of the Beneficial Owners. For shareholders/individuals who directly or indirectly own at least 25% of the shares or votes of a legal person or legal organization, each person’s identification document must be uploaded to the platform.

13. After completing the above steps, a table will appear in which the data that has been filled in will be chronologically recorded. You should read it carefully to make sure that the data is correct.

14. Create a 4-digit PIN, which should only be known by the person authorized to use the “Pago” account. Setting this PIN serves for every transaction that will be carried out through business accounts.

15. After completing these stages, the uploaded documentation moves to the review stage and within 24 hours the subject is notified of the acceptance of the request if each documentation has been submitted correctly. Otherwise, Rubicon informs to complete the data and complete the process. Rubicon reserves the right to make a video call with the company administrator to ensure its authenticity.

In any case of structural changes in the ownership, management and administration of the company, the entity is obliged to immediately notify Rubicon. In the event that this notification does not occur and Rubicon is penalized by the responsible/supervisory authorities, the financial costs will be billed to the business that has not completed the notification!

Based on Article 8 of Law No. 9917 dated 19.5.2008 On the Prevention of Money Laundering and Financing of Terrorism (as amended) and Instruction No. 1, dated 21.1.2025 of the Minister of Finance “On the Methods and Procedures for Implementation by Entities Involved in Financial Activities”, customer identification is carried out through secure electronic identification, in accordance with the requirements of the law in the field “On electronic identification and trusted services”, after the above steps have been completed for the two categories of customers (individual or business).

In implementation of the US Foreign Account Tax Compliance Act (“FATCA”), whose objective is to combat tax evasion by US taxpayers, the Internal Revenue Service (“IRS” – US tax authority) has designed a structure to collect from non-US financial institutions, on an annual basis, information regarding foreign income and assets held by US taxpayers outside the US.

Individual clients who are citizens and businesses headquartered in the US, during the “Know Your Customer” procedure, must also complete the respective forms, which are made available by Rubicon.

4. LOSS OF PASSWORD OR PHONE NUMBER, CHANGE OF CODE (PIN), ACCOUNT COMMITMENT

a. If the client does not remember the password to log in to the PAGO platform, follow these steps: Open Pago -> “Forgot your password” -> Enter the phone number with which the account was opened -> “Send request” . Within a few moments, you will receive a message with a 6-digit code on your number which will allow you to create a new password for yourself.

b) To change the code (Pin), follow these steps: Open Payment -> in the main menu section click “Configure” -> “Security” -> “Change PIN”. To change the PIN, first enter the old PIN and then enter the new PIN, reconfirming it below to complete the process.

c) In cases where the old PIN code is also forgotten, the following steps are followed: Open Payment -> Configure -> Change PIN -> You have forgotten your PIN code . Two fields appear to be filled in (personal identification number and the number of the identification document with which you registered on the platform).

d) In cases where the client suspects that his account has been compromised, he must:

1. Change the password and also the code (PIN);

2. If there are still doubts that these steps have not worked, then customer service is called to conduct a video call to enable the blocking of accounts until the situation is clarified.

e) In cases where the client claims to have lost the number with which he opened his account in “Pago” along with the electronic device on which he has placed the number, he must immediately contact customer service to conduct a conversation (or video-call), to enable the blocking of the accounts until the situation is resolved.

f) The client can obtain more detailed information in the “Frequently Asked Questions” section on the Pago web and app.

5. AUTHORIZATION OF MONEY ORDERS

a) After completing the authentication / authorization procedure (Username / password / PIN code) and filling in the mandatory payment order data, the platform displays the payment data for final confirmation. If all the necessary conditions for making the payment are met after confirmation, the platform displays a message with the status of the payment made. If one of the necessary conditions does not meet the validity criteria, then the platform will display the corresponding transaction rejection message (e.g.: “You do not have sufficient funds in the account”)

b) Any payment order authorized through “Pago” using the authentication elements that legitimize / authenticate the person as a valid user of this platform, will be considered as a regular payment order, authorized in the name and on behalf of the Client by him/herself. In this context, the Client irrevocably acknowledges and accepts that he/she will be responsible for the storage and non-disclosure of the provided authentication elements.

c) The Client understands that he must have sufficient funds in his account(s) to carry out all transfers/payments via “Pago”. If the funds in the account(s) are not sufficient to carry out the authorized transaction, the execution of the transaction is rejected.

d) Rubicon will execute authorized payment orders, in accordance with the legal provisions in force.

e) Payment orders or transactions and any other electronic document sent by the Client through the digital service will be considered authorized and authenticated documents.

f) The customer can personalize certain services and set individual policies regarding automatic payments. For this type of service, it is mandatory for the customer to provide authorization.

g) In cases where the client receives notification of a payment being made from his account but is unaware and will block the transaction, he must immediately contact customer service to proceed.

6. TRANSACTION LIMITS

Transaction Limits in Lek
	INDIVIDUAL	BUSINESS
Maximum daily Lek value of account crediting	200 000	1 000 000
Limit on the number of daily transactions	50	100
Maximum monthly Lek value of account crediting	1 000 000	5 000 000
Limit on the number of monthly transactions	500	1000
Maximum annual Lek value of all operations	5 000 000	10 000 000
Minimum Lek value for an account top-up	5 000	10 000
Maximum daily Lek value for top-up	200 000	1 000 000
Maximum daily Lek withdrawal amount	200 000	1 000 000

* The above values ​​are not exclusive. If the individual or business client requests to perform operations that exceed these limits, it is necessary/mandatory to submit additional documents to justify the funds that will fill the account or the purpose of use. These documents must be sent (electronically or physically, according to the client’s wishes) and the client himself is responsible for their authenticity (in case of fraud, criminal liability falls on the client). After reviewing the documentation by internal structures, the client is notified of the continuation of the business relationship.

7. RUBICON’S RIGHTS AND OBLIGATIONS

a) Rubicon has the right to make changes to these terms and conditions, as set out in point 2/c above.

b) Rubicon shall not be liable for any disruption or interruption of the telecommunications network and, as a result, any malfunction of the digital service that may result. Rubicon reserves the right to regularly update the digital service. If, during the update or maintenance of the platform, there may be an interruption of the digital service, the customer will be notified in advance.

c) Rubicon will not be liable for any direct or indirect financial damage or loss suffered by the Client as a result of the Client’s non-compliance with any of these Terms of Service.

d) Rubicon has the right to reject the Client’s request for contracting digital services or to terminate this service at any time, if the Client does not act or has not acted in accordance with applicable legislation.

e) Rubicon has the right to unilaterally terminate this agreement in cases where the Client does not comply with these terms of service as well as Rubicon’s instructions and notices.

f) Rubicon has the right to immediately block the use of the service in case of reasonable suspicion that the Client’s credentials, security elements have been compromised or in case of notification of unauthorized access to the Client’s digital service account.

g) Rubicon has the right to request additional information and/or documents regarding:

1. money transfers received by the Client. This applies especially when these transfers do not have complete information about the sender.

2. top-up service. The information is used to identify the external source of the transfer of additional funds to the customer’s account.

3. Exercising due diligence for the implementation of legal obligations.

4. For the purposes of verifying information, Rubicon reserves the right to request certified copies of additional documentation in accordance with applicable law. Any expenses incurred due to such requests will be borne by the Client.

h) Rubicon has the right to suspend all or part of the services if:

1. the requested information and/or documents cannot be provided within a period of up to 120 calendar days. The suspension is carried out until compliance is achieved.

2. if the Client submits a written request for this purpose.

i) Rubicon has the right to immediately block the service/transaction for the following situations:

1. Reasonable suspicion that the client’s credentials or security elements have been compromised.

2. There is a notification of unauthorized access to the Customer’s digital service account.

3. Rubicon reserves the right to block transactions and Client activity until a later date, if it is noticed that the individual Client is performing actions that are not in accordance with his profile, such as using the account for business purposes or transactions without legal economic logic, or the Business Client is using the account not for the purpose of its activity, or for the personal purposes of the business owners.

j) Rubicon in protecting the security of its customers reserves the right at any time to take action to protect its systems and information from damage or compromise of integrity, security, reputation or operation. Therefore, Rubicon has the right to make changes at any time in terms of the provision of the service, in accordance with technical developments or in relation to the security measures implemented, to change, modify, or suspend the service provided for a period of up to 24 hours if we believe that such a change is necessary to protect the customer in the first place and the security of the systems. Service interruptions for periods longer than 24 hours, or in cases where the need arises for updates and configurations referred to security in the “Pago” systems, the affected customers will be notified in advance by Rubicon.

8. CLIENT RIGHTS AND OBLIGATIONS

a) To use “Pago” according to his/her purposes and interests, in accordance with legal requirements and Rubicon’s instructions.

b) To top up/credit his account via credit/debit cards or bank accounts.

c) In any case, the ordering client in the transaction may request a refund by going to the “Refund” section and justifying the request for this action. The request will be presented to the beneficiary of the amount and it is he who decides whether to refund it or not.

d) Any beneficiary client in a transaction may initiate a refund without a request from the transaction originator justifying this action.

e) The client may close the account by submitting a request to the address [email protected] . Please consult Fees and Commissions for more detailed information.

f) If the client loads a credit/debit card or bank account into his account that is not in his name, it is necessary to clarify and verify the connection or relationship with their owner. The verification process may also be accompanied by a video call.

g) If the customer has requested a Pago or Pago+ card and does not withdraw it within 180 calendar days after notification, the card automatically becomes invalid.

h) The Client is obliged to cooperate with Rubicon by promptly providing any information or documentation requested.

9. PROTECTION OF PERSONAL DATA

Rubicon considers the protection of privacy and personal data to be a very important issue and is committed to implementing the legal framework for their protection and respect, as previously defined in Law No. 9887 dated 10.03.2008 and currently in Law No. 124/2024 “On the Protection of Personal Data”, as well as other sub-legal acts in their implementation, and the European Regulation on the Protection of Personal Data.

Types of data being processed.

We process data that we receive from the customer in the context of our business relationship. In addition, we process data such as personal information which includes personal details and contact data (such as: name, surname, address, date of birth, place of birth, nationality, etc.) or information from identification documents or passports (such as signature and ID information). In addition, this includes voice and image recordings e.g. camera recordings from mobile phones, data for electronic login and identification (applications, cookies, etc.), financial identification data (data from debit and credit cards) or data for the prevention of money laundering, compliance data and other data similar to the categories mentioned above.

Personal data processing is carried out:

a. Using appropriate security measures to protect data from manipulation, disclosure, loss, unauthorized access, etc.;

b. only after giving the express consent of the data subject;

c. for the duration for which they were received;

d. solely for the purpose of:

1. the exercise of the activity of “Rubicon”;

2. risk assessment and management;

3. fulfillment of legal obligations, or mandatory reporting such as:

– Supervisory bodies (such as the Financial Intelligence Agency, Bank of Albania) and auditing bodies;

– Tax Directorates (Central or Local)

– Authorities charged by law with conducting investigations and/or judicial proceedings.

– Bailiffs for the execution of court decisions.

Customer data retention period.

Personal data is processed only for the duration necessary for our business relationship, in accordance with the retention obligation as required by applicable legislation (Personal Data Protection Law, Civil Code, Archives Law, Anti-Money Laundering Law). Data archiving is subject to time limits.

Data transfer to third countries/parties

Every customer who opens an account at “Pago” has the right to be provided, if desired, with a debit card, which can be of the Mastercard or Visa type. For this purpose, customer data may be transferred to countries that meet the conditions for an adequate level of personal data protection according to the decision of the Commissioner for the Right to Information and Personal Data Protection.

Specifically, this data is transferred to the USA, Great Britain and Belgium where the aforementioned card service providers have their main offices.

Also, in order to fulfill the reporting obligations that Financial Institutions worldwide are required to fulfill, pursuant to the Foreign Account Tax Compliance Act (“FATCA”), data is collected and reported once a year to the Internal Revenue Service (“IRS” – US tax authority).

Customer rights

The Personal Data Protection Law gives you the right to:

a) For information and access to your data and details on data processing;

b) To update, correct or amend the information we hold;

c) Request that data be deleted. Please note that we will not be able to delete data that we are required to process and retain in accordance with applicable law or that may be necessary to protect our rights or to take legal action if our rights have been violated;

d) Object to processing, in certain circumstances. In the event of such an objection, we will no longer process your personal data, unless we can demonstrate compelling legitimate grounds for the processing which override the interests, rights and freedoms of the data subject or for the establishment, exercise or defence of legal claims. The objection/complaint of the customer can be addressed: · by e-mail to the service email address [email protected];

– Call the number: +355 4 562 0560. Customer service hours are 09:00 – 17:00;

– By writing to Rubicon at its official address: “Donika Kastrioti” Street, PLL. Teknoprojekt Floor 6, Tirana 1005, Albania;

– by e-mail to the Commissioner for the Right to Information and Personal Data Protection at the address [email protected].

e) To withdraw consent to data processing based on prior consent. Consent can be revoked by sending an e-mail to [email protected],

f) The right not to be subject to automated decision-making. In general, we do not use fully automated decision-making within the meaning of Article 22 GDPR for the purpose of establishing or developing a business relationship. If we should use this procedure in a specific case, the customer will be informed by means of a separate notice, as required by law.

10. FEES AND COMMISSIONS

Considering the services that Rubicon currently offers and intends to offer in the future through “Pago”, it is intended that the costs for customers be as low and affordable as possible.

By clicking on this section 10 of the Agreement, you can obtain complete information on the “Fees and Commissions” that Rubicon applies. Please familiarize yourself with this section, as by accepting the Terms of Service, you have also acknowledged and accepted the Fees and Commissions applied by Rubicon.

11. PRIVACY POLICY

By clicking on this section 11 of the Agreement, you can obtain information on the “Privacy Policy”. Please familiarize yourself with this policy, as by accepting the Terms of Service, you have also acknowledged and accepted the Privacy Policy.

12. CUSTOMER SERVICE/ CLAIMS

The client must report any concerns, annexes, or issues related to the malfunction of the digital services platform immediately after the malfunction is detected in the specific case.

If the Client needs assistance or help while using the digital services platform, they can contact Rubicon through one of the following methods:

– by e-mail to the service email address [email protected];

– Call the number: +355 4 562 0560. Customer service hours are 09:00 – 17:00;

– By writing to Rubicon at the address Rr. “Donika Kastrioti”, PLL. Teknoprojekt Kt. 6, Tirana 1005, Albania.

13. JURISDICTION

This Agreement on Working Conditions is drafted and regulated by Albanian legislation. Any dispute that may arise between the parties in relation to this Agreement, the parties agree to resolve it amicably between them and in the event that they do not find a solution amicably, they will address the Court of General Jurisdiction of Tirana as the competent body for resolving the conflict.