Terms of Service

TERMS OF SERVICE AGREEMENTS

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

This Agreement constitutes the TERMS OF SERVICE and governs the rights and obligations related to the use of the pago.al web platform and the “Pago” mobile application.

Please read this Agreement carefully before using “Pago.” By using the Service, based on 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 with 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 give your express consent and accept these terms, which become legally binding between the Client and “Rubicon.”

1. DEFINITIONS:

a) “Pago” – the digital platform owned by Rubicon, through which its services are offered.

b) “Digital Platform” – the electronic service platform that provides access to the Client’s accounts and other products via the website and/or the “Pago” mobile application downloaded on a mobile device, hereafter referred to as internet and mobile-based services.

c) “Mobile Application” – refers to the digital services provided by Rubicon to the Client through the “Pago” application installed on a mobile device, granting access to their accounts/products.

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

e) “Know Your Client (KYC) Procedure” – refers to a set of rules related to the policies for client onboarding, identification, and risk management.

f) “Beneficial Owner” – is the natural person who ultimately owns or controls a client and/or the person on whose behalf a transaction is conducted. This includes persons who ultimately exercise effective control over a legal entity or legal arrangement. Effective control is defined as a situation in which a person:

i. directly or indirectly owns at least 25% of the shares or voting rights of a legal entity or legal arrangement;

ii. individually holds at least 25% of the voting rights of a legal entity or legal arrangement through an agreement with other partners or shareholders;

iii. de facto determines the decisions made by the legal entity or legal arrangement;

iv. in any way controls the appointment, election, or dismissal of the majority of administrators of the legal entity or legal arrangement.

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

i. Are required to declare their assets, according to Law no. 9049, dated 10.4.2003 “On the declaration and audit of assets, financial obligations of elected persons and certain public officials” (as amended), including their family members or individuals closely connected personally, professionally, or through business relationships, excluding mid- or low-level managerial staff as defined in the civil service legislation.

ii. Have held or currently hold prominent public functions in a foreign government and/or state, such as: heads of state and/or government, senior politicians, high-ranking government, judicial or military officials, senior executives of state-owned companies, or key political party officials, including their family members or individuals with close personal, professional, or business ties.

iii. Have held or currently hold important functions in international organizations, including family members or individuals closely connected to them personally, professionally, or in business, as defined in the bylaws issued under this law. Such individuals are considered “politically exposed persons” for up to 3 years after leaving their position.

h) “Resident” – According to Law No. 9920, dated 19.5.2008 “On Tax Procedures in the Republic of Albania,” a resident is defined as:

i. An individual who:

– Has a place of residence in the Republic of Albania, as defined in Article 12 of the Civil Code;
– Holds Albanian citizenship and serves as a diplomatic official or performs a similar function on behalf of the Republic of Albania outside its territory;
– Stays in the Republic of Albania, continuously or intermittently, for more than 183 days within a 365-day period;

ii. A natural person registered as such with the competent authority, based on Albanian legislation;

iii. legal entity, which:

– is registered as an Albanian legal entity;
– has the place of effective management of its activity in the Republic of Albania;

i) “Residence” – is the place where an individual lives for more than three consecutive months, or for more than six months within a calendar year.

j) “Legal arrangements” – include trusts or other similar agreements.

k) “Ownership” – refers to any rights or property interests of any kind over an asset, whether movable or immovable, tangible or intangible, material or immaterial, including those recorded in electronic or digital form. This includes, but is not limited to: accounts, loans, traveler’s checks, bank checks, money orders, all types of securities, payment orders, and letters of credit, as well as any interest, dividends, income, or other value derived from them.

l) “Subject” – is a natural or legal person that enters into a business relationship with clients during its normal activity or as part of its commercial or professional operations.

m) “Direct electronic transfer” – means any transaction conducted on behalf of a Client through a financial institution by electronic or telegraphic means to make a specific amount of money or other financial instruments available to a beneficiary person/entity.

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

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

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

q) “Security elements” – include the one-time password (OTP) via SMS, PIN code, and Mobile Token.

r) “Mobile Token” – is an authentication application integrated into the digital service app downloaded on the mobile device. Once activated, it can be used to authenticate users and authorize transactions either by scanning a colored image (cronto) or generating a One-Time Password (OTP).

s) “SMS OTP” (One-Time Password sent via SMS) – refers to the one-time secret code sent to the Client’s registered phone number, accessible only by the Client. This password serves to identify the Client.

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

v) “Password” – is a combination of characters which may include numbers, letters, and symbols, and is used as one of the client identification components to access their account.

2. GENERAL PROVISIONS

a. Digital services may be used by any Client who has completed the Know Your Customer (KYC) process and has been confirmed by Rubicon for account opening.

b. By accepting these terms, the Client declares that Rubicon has provided them with all the necessary information regarding the services offered under this agreement. By proceeding with the application steps as defined, the Client gives their consent and confirms that they understand and agree to all rights and obligations arising from this Agreement.

c. Through the “Pago” platform, a range of specific products and services are offered, which Rubicon reserves the right to modify without specific prior approval from the Client. Any change or addition to the agreed digital services, as well as newly introduced services or the availability/unavailability of certain services, will be communicated to the Client 15 days prior to the effective date via in-app notifications, website publication, or email.

d. Rubicon notifies the Client that it reserves the right to impose restrictions on transactions carried out through the digital services platform, based on the requirements of applicable legislation, Rubicon’s internal regulations, these terms of service, and requirements for maintaining adequate system security.

e. By signing this Agreement, the Client gives Rubicon their irrevocable consent and authorization that Rubicon, at its own discretion and for reasons such as improvements, enhanced security measures, or changes to current legislation, may revoke or amend transactions and daily transaction limits previously agreed with Rubicon and to be executed through digital services.

f. Transactions performed through digital services in favor of third-party accounts shall only be carried out if the Client enters the 4-digit code that they created at the time of account opening.

g. Rubicon shall not be held liable for any potential damages resulting from or related to transaction errors, technical defects of any kind, service interruptions, incompatibility with facilities managed by third parties, including but not limited to mobile service operators or private network providers. The Client assumes responsibility for risks arising from defects in their own hardware or software, as well as from misuse of identification elements.

3. REGISTRATION IN THE DIGITAL SERVICE

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

Clients who complete the Know Your Customer (KYC) process remotely (without physical presence) agree, during the steps of this process, to allow the camera and microphone of the electronic device they are using to be turned on for authentication purposes.

The PAGO platform is available only to individuals (residents and non-residents) who are of legal age (over 18 years old), and to open a “Pago” account, they must follow the steps as outlined below:

3.1 Individuals:

Optionally, the client may choose to enable biometric identification.

The client must enter their phone number, which will be used to connect to the platform and receive notifications, such as security codes required to proceed with the next steps;

The client will receive an SMS containing a 6-digit code as part of the One Time Password (OTP) process;

A photo of the identification document (both front and back) will then be requested;

The client, facing the camera, must follow the instructions displayed on the screen. This step is taken to prevent identification via a manipulated photo of the client;

At this stage, 50% of the verification process has been completed! A table is displayed showing the data extracted from the ID card photo. The client accepts the data by clicking the “Continue” button if the information is correct. If any of the information is incorrect, the client selects the “Edit data” option and manually enters the correct information;

Next, the client is required to create a password according to the specified guidelines. This password must be remembered, as it will serve as a security step and be used for all future transactions;

The email address will be used for communication and notifications related to Pago services;

The client must provide their place of residence;

3.2 Businesses:

i. In cases where an individual already has a PAGO account and owns a personal business—meaning the private entity (business) has the same person as both administrator and shareholder—the business account can be created within the individual account by filling in the required fields.

ii. In cases where the entity has multiple shareholders, the following procedure is applied:

Once the application is downloaded, upon opening, several fields will appear that must be completed to proceed to the next steps. The required fields to be filled out are:

After completing these fields and agreeing to proceed to the next step, the entity’s legal representative will receive an SMS with a 4-digit code, which is part of the user authenticity verification steps.

1. The entity’s phone number, which will be used to receive notifications such as security codes needed for the next steps;

2. The entity’s trade name;

3. The entity’s Unique Identification Number (NUIS/NIPT);

4. The legal form of the business;

5. The date of establishment of the entity, which must follow the format Year/Month/Day;

6. The date of signing the Agreement / Terms of Service with Rubicon, which corresponds to the date the account application is submitted in PAGO;

7. The entity’s business activity description;

8. The entity’s exact address;

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

10. The place of business activity (City, District);

11. After completing these fields and agreeing to proceed to the next step, the entity’s legal representative will receive an SMS with a 4-digit code, which is part of the user authenticity verification steps.

12. The next step is the upload of the required documents needed to fulfill the “Know Your Customer” (KYC) process obligations. The documentation to be uploaded to the platform includes:

a) A photo of the legal representative’s identification document (both sides);

b) An electronic copy from e-Albania of the company’s historical extract;

c) An 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 voting rights of a legal entity or legal organization, the identification document of each must be uploaded to the platform.

13. After completing the steps above, a summary table will be displayed, showing the data entered in chronological order. These must be carefully reviewed by you to ensure accuracy.

14. Create a 4-digit PIN, which must be known only by the person authorized to use the “Pago” account. This PIN will be required for every transaction performed through the business accounts.

15. After completing these phases, the uploaded documentation enters the review stage, and within 24 hours the entity will be notified of the approval of the request if all documentation has been correctly submitted. Otherwise, Rubicon will inform the applicant to complete the missing data and finalize the process. Rubicon reserves the right to conduct a video call with the company’s administrator to verify their identity.

In the event of any structural changes in the ownership, management, or administration of the company, the entity is obliged to immediately notify Rubicon. If such notification is not made and Rubicon is penalized by the competent/supervisory authorities, the financial costs will be charged to the business that failed to provide the notification.

Based on Article 8 of Law no. 9917 dated 19.5.2008 “On the Prevention of Money Laundering and Terrorism Financing” (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 “On Electronic Identification and Trusted Services,” after completing the above steps for both client categories (individual or business).

In accordance with the United States Foreign Account Tax Compliance Act (FATCA), which aims to combat tax evasion by U.S. taxpayers, the Internal Revenue Service (IRS) has established a framework to collect, on an annual basis, information from non-U.S. financial institutions regarding foreign income and assets held by U.S. taxpayers outside the U.S.

Individual clients who are U.S. citizens and businesses headquartered in the U.S. must complete the relevant forms during the “Know Your Customer” (KYC) process, which are provided by Rubicon.

4. FORGOTTEN PASSWORD OR PHONE NUMBER, PIN CHANGE, ACCOUNT COMPROMISE

a. If the client does not remember the password to log in to the PAGO platform, the following steps should be followed:
Open Pago → “Forgot password” → Enter the phone number used to open the account → “Send request”.
Within moments, you will receive a message with a 6-digit code on your number, which will allow you to create a new personal password.

b. To change the PIN code, follow these steps:
Open Pago → In the main menu, click “Configure” → “Security” → “Change PIN”.
To change the PIN, first enter the old PIN, then enter the new one and reconfirm it below to complete the process.

c. If the old PIN code is also forgotten, follow these steps:
Open Pago → Configure → Change PIN → Forgot PIN.
Two fields will appear to be filled in (personal identification number and the identification document number used during platform registration).

d. If the client suspects that their account has been compromised, they must:

1. Change both the password and the PIN;

2. If there is still suspicion that these steps have not worked, the client must call customer service to initiate a conversation (video call) to enable the blocking of the accounts until the situation is clarified.

e. If the client claims to have lost the phone number used to open the “Pago” account, along with the electronic device where the number was used, they must immediately contact customer service to initiate a conversation (or video call) in order to enable the account(s) to be blocked until the situation is resolved.

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

5. AUTHORIZATION OF PAYMENT ORDERS

a) After completing the authentication/authorization procedure (Username / password / PIN code) and entering the required payment order information, the platform displays the payment details for final confirmation. If all the necessary conditions for executing the payment are met after confirmation, the platform will display a message showing the status of the completed payment. If any of the required conditions do not meet the validity criteria, the platform will display the corresponding rejection message (e.g., “You do not have sufficient funds in your account”).

b) Every payment order authorized via “Pago” using the authentication elements that legitimize/authenticate the individual as a valid user of the platform shall be considered a valid and authorized payment order issued on behalf of and for the Client by the Client themselves. In this context, the Client acknowledges and irrevocably agrees to be responsible for safeguarding and not disclosing the provided authentication elements.

c) The Client understands that they must have sufficient funds in their account(s) to carry out all transfers/payments through “Pago.” If the funds in the account(s) are insufficient to execute the authorized transaction, the execution of the transaction will be declined.

d) Rubicon will execute the authorized payment orders in accordance with the applicable 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 Client may customize certain services and set individual policies regarding automatic payments. For this type of service, it is mandatory for the client to provide authorization.

g) In cases where the client receives a notification about a payment made from their account but is unaware of it and wants to block the transaction, they must immediately contact customer service to proceed.

6. TRANSACTION LIMITS

Transaction Limits in ALL (Albanian Lekë)
	Individual	Business
Maximum daily credit value in ALL to the account	200 000	1 000 000
Daily transaction count limit	50	100
Maximum monthly credit value in ALL to the account	1 000 000	5 000 000
Monthly transaction count limit	500	1000
Maximum yearly value in ALL for all operations	5 000 000	10 000 000
Minimum top-up value in ALL	5 000	10 000
Maximum daily top-up value in ALL	200 000	1 000 000
Maximum daily withdrawal value in ALL	200 000	1 000 000

*The above values are not exclusive. If the individual or business client wishes to perform operations that exceed these limits, it is necessary/mandatory to submit additional documentation to justify the source of the funds being added to the account or the intended purpose of use. These documents must be submitted (either electronically or physically, depending on the client’s preference), and the client holds full responsibility for their authenticity. In cases of fraud, criminal liability falls on the client. After reviewing the documentation, the client will be informed about the continuation of the business relationship.

7. RIGHTS AND OBLIGATIONS OF RUBICON

a) Rubicon reserves the right to make changes to these terms, as specified in section 2/c above.

b) Rubicon shall not be held responsible for any disruption or interruption in the telecommunications network and any resulting malfunction of the digital service. Rubicon has the right to regularly update the digital service. If an interruption occurs during the update or maintenance of the platform, the client will be notified in advance.

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

d) Rubicon reserves 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 the applicable legislation.

e) Rubicon reserves the right to unilaterally terminate this agreement in cases where the Client does not comply with these Terms of Service or Rubicon’s instructions and notices.

f) Rubicon reserves the right to immediately block the use of the service if there is reasonable suspicion that the Client’s credentials or security elements have been compromised or in the event 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, especially when such transfers do not contain complete information about the sender.

2. The top-up service. This information is required to identify the external source of the additional funds being transferred to the client’s account.

3. The exercise of due diligence for the fulfillment of legal obligations.

4. For verification purposes, Rubicon reserves the right to request certified copies of additional documentation in accordance with the applicable legislation. Any costs incurred as a result of these requests shall be borne by the Client.

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

The Client submits a written request for this purpose.

The requested information and/or documents cannot be provided within a period of up to 120 calendar days. The suspension will remain in effect until compliance is achieved.

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

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

2. Notification of unauthorized access to the client’s digital service account.

3. Rubicon reserves the right to block the client’s transactions and activities until further notice if it is observed that an individual client is performing actions that are not consistent with their profile (e.g., using the account for business purposes or conducting transactions without economic or legal rationale), or if a business client is using the account outside the scope of its declared business activity or for the personal use of business owners.

j) In defense of client security, Rubicon reserves the right at any time to take actions to protect its systems and information from damage or compromise of integrity, security, reputation, or functionality. Therefore, Rubicon has the right to make changes at any time in the service provision, in line with technological developments or in relation to the implemented security measures, including modifying, altering, or suspending the offered service for a period of up to 24 hours if such a change is deemed necessary to protect the client first and foremost, and the security of the systems. Service interruptions exceeding 24 hours, or cases where updates and configurations related to the security of the “Pago” systems are necessary, will be notified in advance to affected clients by Rubicon.

8. RIGHTS AND OBLIGATIONS OF THE CLIENT

a) To use “Pago” according to their own purposes and interests, in compliance with legal requirements and Rubicon’s instructions.

b) To top up/credit their account through credit/debit cards or bank accounts.

c) In any case, the client who orders a 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 recipient of the amount, who decides whether or not to approve the refund.

d) Any client who is the recipient in a transaction may initiate a refund without having a request from the transaction’s ordering client by justifying this action.

e) The client may close their account by submitting a request only if its balance is zero, without any additional cost.

f) If the client loads their account with a credit/debit card or bank account that is not in their name, it is necessary to clarify and verify the relationship with the owner of those accounts. The verification process may also include a video call.

g) If the client has requested the Pago or Pago+ card and does not collect it within 180 calendar days after notification, the card will automatically become invalid.

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

9. PERSONAL DATA PROTECTION

Rubicon considers the protection of privacy and personal data to be a very important matter and is committed to implementing the legal framework for their protection and respect, as previously established 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 subordinate acts implementing these laws, and the European Regulation on the Protection of Personal Data (GDPR).

Types of data processed

We process data that we receive from the client within the framework of our business relationship. Specifically, we process data such as personal information which includes personal details and contact data (e.g., first name, last name, address, date of birth, place of birth, nationality, etc.) or information from identification documents or passport (such as signature and ID information).

Additionally, this includes voice and image recordings, e.g., recordings from mobile phone cameras, 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.

The Processing of Personal Data is carried out:

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

b. Only after the explicit consent of the data subject has been given;

c. For the duration for which the data has been collected;

d. Only for the purpose of:

1. Conducting the business activities of “Rubicon”;
2. Risk assessment and management;
3. Fulfilling legal obligations or mandatory reporting such as:

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

– Tax Directorates (Central or Local);

– Authorities legally responsible for conducting investigations and/or judicial proceedings;

– Judicial bailiffs for the enforcement of court decisions.

Client Data Retention Period

Personal data is processed only for the duration necessary for our business relationship, in accordance with the retention obligations required by applicable legislation (the Law on Personal Data Protection, the Civil Code, the Law on Archives, the Law on the Prevention of Money Laundering). Data archiving is subject to time limitations.

Transfer of Data to Third Countries/Parties

Any client who opens an account with “Pago” has the right to be issued, upon request, a debit card, which may be either a Mastercard or Visa. For this purpose, client data may be transferred to countries that meet the conditions for an adequate level of personal data protection, as determined by the Commissioner for the Right to Information and Protection of Personal Data.

Specifically, this data is transferred to the United States, the United Kingdom, and Belgium, where the companies that provide the above-mentioned card services have their main offices.

Furthermore, in compliance with the obligations applicable to Financial Institutions worldwide for reporting purposes, and pursuant to the Foreign Account Tax Compliance Act (“FATCA”), the data is collected and reported once a year to the Internal Revenue Service (“IRS” – the U.S. tax authority).

Client Rights

The Law on the Protection of Personal Data grants you the right to:

a) Information and Access – To obtain information and access to your personal data and details about its processing;

b) Update and Correction – To request the updating, correction, or rectification of the information we hold;

c) Data Deletion – To request the deletion of your data. Please note that we may not be able to delete data that we are legally required to process and retain, or that may be necessary to protect our rights or to initiate legal action in the event our rights are violated;

d) Object to Processing – To object to the processing of your personal data under certain circumstances. In such cases, we will no longer process your data unless we can demonstrate compelling legitimate grounds for the processing that override your interests, rights, and freedoms, or for the establishment, exercise, or defense of legal claims. Objections or complaints may be submitted via:

– Email: [email protected]
– Phone: +355 4 562 0560 (Customer service hours: 09:00–17:00)
– Written correspondence to Rubicon’s official address: Rr. “Donika Kastrioti”, PLL. Teknoprojekt, 6th Floor, Tirana 1005, Albania
– Email to the Commissioner for the Right to Information and Protection of Personal Data: [email protected]

e) Withdraw Consent – To withdraw your consent for data processing where the processing is based on prior consent. Consent may be revoked by sending an email to [email protected];

f) Right Not to Be Subject to Automated Decisions – Generally, we do not use fully automated decision-making, as defined in Article 22 of the GDPR, for the purpose of establishing or developing a business relationship. If such a procedure were required in a specific case, the client would be duly informed through a separate notice as provided by law.

10. TARIFAT DHE KOMISIONET

Duke marrë parasysh shërbimet që shoqëria Rubicon ofron aktulaisht dhe synon të ofrojë ne vijim nëpërmjet “Pago”, është menduar që kostot për klientët, të jenë sa më të ulëta dhe të përballueshme.

Duke klikuar në këtë rubrikë 10 të Marrëveshjes, mund të merrni informacionin të plotë mbi “Tarifat dhe Komisionet” që Rubicon aplikon. Ju lutemi njihuni me këtë rubrikë, pasi me pranimin e Kushteve të Punës, ju jeni njohur dhe keni pranuar edhe Tarifat dhe Komisionet e aplikuara nga Rubicon.

11. PRIVACY POLICY

By clicking on this Section 11 of the Agreement, you may access information regarding the “Privacy Policy.” Please familiarize yourself with this policy, as by accepting the Terms of Service, you acknowledge and accept the Privacy Policy as well.

12. CUSTOMER SERVICE / CLAIMS

The client must report any concern, complaint, or issue related to the malfunctioning of the digital services platform immediately after the malfunction is identified.

If the client requires assistance or support while using the digital services platform, they may contact Rubicon through one of the following methods:

– By email at: [email protected]

– By phone at: +355 4 562 0560 (Customer service hours: 09:00 – 17:00)

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

13. JURISDICTION

This Agreement on the Terms of Service is drafted and governed by Albanian legislation. Any dispute arising between the parties in connection with this Agreement shall first be resolved amicably between them, and if an amicable resolution is not possible, the parties agree to submit the dispute to the General Jurisdiction Court of Tirana as the competent authority for resolving the conflict.