Vipps Terms and conditions

Version 1.12 - 09.12.18

This English version of the Agreement is a translation for your convenience. In case of any discrepancy or conflict between this English version and the current Norwegian version of the Agreement, the Norwegian version shall take precedence.

1. ABOUT THE SERVICE

Vipps is a payment service provided by Vipps AS ("Vipps") and can be downloaded as a mobile phone application. You can find more information about Vipps and how it can be used at www.vipps.no.

2. ENTRY INTO THE AGREEMENT 

2.1 The Agreement and Parties
This Agreement consists of the terms and conditions in this document and the Vipps Privacy Protection Policy (jointly referred to as "the Agreement"). In addition to the terms and conditions in the Agreement, relevant prevailing Norwegian statutory provisions also apply. The parties to this Agreement are you, as a customer, and Vipps AS, Dronning Eufemiasgate 42, 0191 Oslo, org.no. 918 713 867.

2.2. What is required to use Vipps?
All the terms below must be fulfilled in order to use Vipps:

  • You must have a Norwegian social security number ("fødselsnummer" or "D-number")
  • You must have an account in a Norwegian bank for receiving payments sent through Vipps. This bank account may also be used for payments ("Source of Funds"), depending on agreements between your bank and Vipps. 
  • You must have least one debit or credit card issued by a Norwegian bank as Source of Funds.
  • You can link several alternative Sources of Funds to Vipps. You can change the name of your bank accounts registered in Vipps. Name changes will be limited to Vipps. 
  • You must have a mobile phone with a Norwegian mobile phone number. The service does not support the protection of secret mobile phone numbers. Thus, you cannot use Vipps if you have a secret mobile phone number.
  • Vipps can be used on mobile phones with iOS and Android operating systems.
  • You must have an e-mail address.
  • You must be over the age of 15 in order to create a user profile. If you are aged between 15 and 18 years, you can only transfer money that is at your disposal. If you are younger than 15 years, your parents can register a Vipps profile controlled by your parents for you.
  • You must have read, understood and accepted this Agreement.
  • Vipps must approve you as a user.

More detailed information about which mobile phones and payment cards can be used with Vipps can be found at www.vipps.no.

3.  USE OF VIPPS

3.1 What Vipps can be used for?

Vipps is a payment solution that enables you to pay in shops, online and in applications containing the Vipps symbol. You can transfer money to clubs, associations and organisations and receive and transfer money from and to other persons. You can see and pay invoices or see and initiate payments of eFaktura by using the Vipps Invoice service. You can also use Vipps for sign up and log in with your Vipps profile.

3.2 Registration, identification and maximum amounts
Before you start using Vipps, you must create a user profile and identify yourself. When registering for the first time, you will have to identify yourself by completing the registration procedure in Vipps. Vipps will verify your identity, for example by automatically checking it against the Norwegian Tax Administration's national register. Are you 18 years or older, you will have to verify your ID with BankID before you can start using Vipps.

Vipps has set weekly and annual maximum amounts for using Vipps. You will find the transaction limits in Vipps and at vipps.no. Vipps has set these maximum amounts to increase security, reduce risk for abuse and protect you as a Vipps user. If you reached your transaction limits, you will not be able to send money in Vipps. Additionally, we have set maximum amounts per payment which might trigger a higher level of security, for instance 3-D Secure requirements when international payments cards are used as funding source. 

If your age is between 15 and 18 years, special maximum amount apply for your use of Vipps. You will find the transaction limits in Vipps and at vipps.no. When your use of Vipps exceeds these maximum amounts, you must identify yourself by means of BankID to continue using Vipps. In such case, you will receive a message in Vipps. If you have reached the maximum amount, you will not be able to receive or send money using Vipps. Money which has been sent to you will be returned to the sender unless you identify yourself within three days after the money has been sent.

3.3 Sign up and Log in with Vipps 
You can use your Vipps profile for signing up and logging in at merchants offering the "Sign up and Log in with Vipps" functionality - a service provided by Vipps for automatically filling in information from your Vipps profile in your customer profile at the merchant. This service can only be used after you consented that Vipps shares the following personal data with the merchant:

  • Full name
  • Address
  • Email address registered in your Vipps profile
  • Mobile phone number your Vipps profile is linked to
  • Date of birth

Vipps will also provide the following personal data in case the merchant has a valid and legally approved reason to request this data:

  • Norwegian social security number ("fødselsnummer" or "D-number") 

Vipps will never share any personal data with any merchants without your consent. Vipps provides a full overview of all merchants you consented sharing personal data with, including what personal data you consented to share per merchant. You will find this overview under "Setting" in the Vipps app. You will be able to withdraw your consent for data sharing with individual merchants at any time. The "Sign up and Log in with Vipps" service will not available after you withdrew your consent.

When you are updating personal data like your address or email address in your Vipps profile, Vipps will automatically send an information update to all merchants you consented to share personal data with.

3.4 View bank account balance in Vipps
In Vipps, you can easily access account balance information for all bank accounts you have registered as Source of Funds in the Vipps app. You will have access to all account balances available to you under "Payments" in the Vipps app. Availability depends upon wether your bank entered an agreement with Vipps. An updated list of all banks who have entered such an agreement with Vipps can be found on our på www.vipps.no. 

In order to have access to your bank account information in Vipps, your profile has to be verified with BankID and you will have to consent to having your bank account balance information shown in Vipps. You will be able to revoke your consent any time in the app under "profile", "payment options", "account balance". 

4. PRICES

A transaction fee may be incurred for the use of Vipps. Visit www.vipps.no for information on prices under "Questions", "Prices and maximum amounts". If a transaction fee is incurred for a payment order, information about this will appear in Vipps before you confirm the payment.

When you use a credit card as a Source of Funds, costs can be incurred from the use of the credit card if this follows from the agreement between you and the issuer of the card. Vipps does not grant credit related to your use of Vipps.

5. PAYMENT TRANSACTIONS

5.1 Ways you can pay with Vipps
When you have confirmed a payment order transaction in Vipps, you authorise Vipps to carry out the payment on your behalf. You can use Vipps for outgoing payments in the following ways:
 

  • Payment to private individuals
  • Payments to companies, clubs and associations by searching for the recipient's profile
  • Payments online and in apps where Vipps is one of the payment alternatives
  • Payments in physical stores by establishing a connection with the store's payment terminal
  • Invoice payments

Depending on the amount and previous purchases, you may be asked to implement additional security measures, such as confirmation with BankID, to complete your payments.

5.2 Payment transactions to private individuals
When making payments to private individuals, you can find the recipient's telephone number or name in your list of contacts on your mobile phone. If the payee is not a Vipps user, he or she will receive a text message stating that you have made the payment and that the payee must register as a Vipps user in order to receive the payment. If the payee does not start using Vipps by the deadline set by Vipps, the amount will be reversed to you.

When you use Vipps to make a payment transfer to private individuals, you must make sure that the mobile number you enter is correct. When you use Vipps to make a payment transfer to private individuals, your name, telephone number and any message to the recipient is shown in the recipient's Vipps application. Your name will also be shown in the recipient's bank account statements. 

5.3 Vipps to companies, clubs and associations via a profile search
When you use Vipps to make a payment transfer to businesses, clubs, associations or voluntary organisations by finding their profile in Vipps, you must verify that the recipient's profile corresponds to the information you have received from the merchant before confirming the payment. Such information could be the recipient's name, unique ID number and name of the merchant. If the merchant uses the VippsGO service, an overview of the merchant's goods/services will be available in a separate menu under the merchant's Vipps profile. Information on the products/services you choose is then sent to the merchant once you have made a total payment.

When using Vipps in this manner, the recipient will see your name, the payment amount, the last four digits in your mobile phone number and any message you have written. With respect to donations to some charitable organisations, you will be able to give your personal identification number to the recipient so that your gift can be reported by the organisation to the tax authorities to give you a tax deduction if you qualify for such a deduction. Please note that it is the organisation, and not Vipps, which is responsible for reporting your gift to the authorities.

5.4 Vipps online and in apps
When you buy something from an approved online merchant's website or in a mobile app, Vipps will be a payment option on the website or in the app. Some physical stores may send you a payment request for a product or service from their cash register. When choosing to pay with Vipps, a dialogue will open in Vipps indicating the amount and recipient, which you must confirm in order to complete the payment. When using Vipps in this manner, Vipps will transmit the amount and any message you write to the recipient, together with a transaction ID. When you shop online or in an app, some merchants may have the an automatic function in Vipps to "Fill in my your personal data, such as Vipps details", whereby your name and delivery address will be automatically included.

When you buy something from an approved online merchant's website or in a mobile app, you can choose "Vipps Hurtigkasse" (express checkout) - a service provided by Vipps for automatically filling in personal data from your Vipps profile needed to complete the purchase in the merchant's order form. This service can only be used after you consented that Vipps shares the following personal data with the merchant:

  • Full name
  • Address
  • Email address registered in your Vipps profile
  • Mobile phone number your Vipps profile is linked to
  • Date of birth

Vipps will also provide the following personal data in case the merchant has a valid and legally approved reason to request this data:

  • Norwegian social security number ("fødselsnummer" or "D-number")

When you are updating personal data like your address or email address in your Vipps profile, Vipps will automatically send an information update to all merchants you consented to share personal data with.

Vipps will never share any personal data with any merchants without your consent. Vipps provides a full overview of all merchants you consented sharing personal data with, including what personal data you consented to share per merchant. You will find this overview under "Setting" in the Vipps app. You will be able to withdraw your consent for data sharing with individual merchants at any time. Vipps express checkout will not be available after you withdrew your consent.

5.5 Vipps recurring payments 
Approved online merchants can offer Vipps recurring payments on their webpage or in their mobile app as payment option. 

The Source of Funds you chose for the first payment in a recurring payment agreement will be charged by Vipps for all following payments. You will find payment confirmations for all payments connected to a recurring payment agreement in the payment history in your Vipps app. If you want to change Source of Funds used for payments connected to a recurring payments agreement, you can do that in your Vipps app under "my recurring payments". 

When you try to delete a Source of Funds used in a recurring payment agreement as funding source, you will get an error message. You will have to replace the Source of Funds you want to delete with an alternative funding source before you can delete it. You will find an overview over all recurring payment agreements you accepted in your Vipps app under "my recurring payments". 

Vipps is not responsible for any aspects of entering, changing or terminating your recurring payments agreement between you and a merchant. The merchant will be responsible for to answer all questions and handle all complaints regarding the agreement between you and the merchant. The merchant is also responsible for the delivery and quality of products and services. You will always have to contact the merchant in order to terminate a recurring payments agreement. Vipps is not responsible for lacking payments or failed payments, e.g. because we were not able to charge the Source of Funds registered in a recurring payments agreement. 

Vipps will send you a push notification when the Source of Funds registered in a recurring payments agreement expires, to enable you to replace the expired Source of Funds. Vipps will also send push notifcations when recurring payments fail. You are responsible to fulfil your contractual duties regarding the recurring payment agreement you entered with the merchant. Therefore, you are responsible to pay with alternate payment methods. This also applies when you delete your Vipps profile. 

5.6 Vipps inStore
Some physical stores are able to send a Vipps online payment request (see chapter 5.4 Vipps online and in apps) from the stores cash system. 

5.7 Vipps Invoice

Vipps Invoice is a standard functionality in Vipps. You may deactivate Vipps Invoice under "Settings", "Payment options" in Vipps. If Vipps Invoice is deactivated, you will receive no new Vipps Invoices in the app, but you will still be able to see and pay invoices that have not fallen due and are still available in this Vipps. In order to reactive Vipps Invoice, go to "Settings" in the app. 

Vipps Invoice is a service which enables you to receive an electronic invoice in Vipps with the necessary payment details from the invoice issuer. An invoice in Vipps is defined as any document issued as part of the invoicing or debt collection process. Your Vipps Invoices will also be available in your online bank, and you can choose where you prefer to pay your invoice, in Vipps or in your online or mobile bank.

If you choose to pay the invoice in Vipps, you must confirm the invoice, and the payment will thus be completed. The issuer will receive settlement information about your payment. If you have activated push notifications in Vipps, you will receive a notification when you receive a new invoice in Vipps. Additionally, you may receive notifications per sms if you have not confirmed invoice payments in time. 

Some non-profit organisations will also be given the opportunity to send you requests for donations through Vipps Invoice. 

Vipps will inform Vipps Invoice issuers that all such issuers can send you their invoices in Vipps. Invoice issuers or their outsourcing partners (e.g. a debt collection company) may also send you a reminder or debt collection notice as soon as possible after the due date. 

You are responsible for paying the invoices you receive in some other manner if you choose not to pay them in Vipps Invoice.

5.8 eFaktura (eInvoice) in Vipps 
When entering an eInvoice agreement with any eInvoice issuer or select "Ja takk til alle" as eInvoice option in your online bank which allows your bank to create new eInvoice agreements for you automatically, all your eInvoices will be linked to your personal identification number, not to your bank, bank account or online banking interface. 

If your eInvoices will be accessible in Vipps or not depends on the contractual relationship between your bank and Vipps. You can find an updated list of banks which have entered an agreement regarding initiation of invoice payments with Vipps on www.vipps.no. 

If you have registered a bank account as Source of Funds where the bank has entered an agreement regarding initiation of invoice payments with Vipps, all your eInvoices will be accessible in your online and mobile banking interface and Vipps simultaneously. 

The information available in Vipps is identical with the information in the eInvoice: 

  • Invoice amount
  • Due date
  • KID number
  • Invoice issuer's bank account number

When an invoice issuer sends an eInvoice to you, the eInvoice is first sent to an invoice hotel. The invoice hotel forward eInvoices to Nets, where Vipps will gain access to the invoice information and make it accessible for you in the Vipps app. If you have activated push notifications in your Vipps settings, you will receive a push notification whenever you received a new eInvoice. 

When you are paying an eInvoice in Vipps, you will see which Sources of Funds are approved for this action. You will be able to choose which of the available Sources of Funds you would like to charge. The payment will be initiated in Vipps and processed as a bank transfer between your bank and the invoice issuer's bank. 

Vipps will forward the eInvoice data to your bank, and the eInvoice will be sent to your bank's due date register. You will be able to adjust the amount and payment date before the eInvoice is sent to the due date register. Detail changes after the eInvoice was approved in Vipps will have to be done in the bank's online or mobile banking interface. You are responsible for the handling of eInvoices in your mobile or online banking interface. You are also responsible that the eInvoice can be paid on the due date. 

After an eInvoice was paid, the eInvoice documentation will be stored in the bank you chose for payment initiation in Vipps. Invoice documentation will only be available in Vipps until the eInvoice has been paid. 

All eInvoices which were initiated in Vipps will be shown in the app with an updated status (eInvoice sent to bank's due date register, eInvoice paid, etc.). All eInvoice which were not initiated in Vipps will automatically disappear when they either are paid, or the due date is exceeded. If you delete an eInvoice in your online or mobile banking interface, will the eInvoice automatically deleted in Vipps as well. 

5.9 Vipps online via PSP
Vipps offers two different payment solutions regarding online payments:

  • For merchants using Vipps direct integration (as described under 5.4), Vipps will process your online payments, i.e. Vipps is responsible for charging your payment card, clearing and settlement. 
  • For merchants using Payment Service Provider (PSP) integrations, the payment will be initiated in your Vipps app. However, the merchant's PSP and card acquirer will be responsible for processing the card payments and Vipps is not involved in this process

Whenever you chose to initiate online payments in Vipps via a PSP, Vipps will send a card token to Nets. Nets will "decode" the token and send the necessary payment card data to the merchant's PSP and acquirer, so the payment can be processed. Forwarding the token to Nets is a necessary step in order to enable the payment processing. Vipps is not forwarding any information to the merchant directly. The merchant's PSP/card acquirer will hereafter authorise the payment and charge the payment card you chose in Vipps. 

5.10 Incoming payments and payment requests 
You can receive payments from others in Vipps. You can also use Vipps to request payment from another person who uses Vipps. You can only do so if you have a contractual basis for the payment request with the person you are sending the request to. If you misuse the opportunity to send payment requests, it will be regarded as a serious breach of the Agreement and entitle Vipps to terminate your access to Vipps.

5.11 Rejection of payments
If statutory or contractual terms for effecting payments have not been fulfilled, Vipps may reject the payment. For example, Vipps will reject the payment if there are insufficient funds in the Source of Funds and if the bank suspects misuse, fraud or money laundering or attempts thereof. It is not permitted to use Vipps as payment for stakes related to participation in betting games, wagers or other forms of gambling which are illegal in Norway. If such use is suspected, the payment will be rejected. Any actual or suspected misuse as described in this provision can be regarded as a serious breach of the Agreement and entitle Vipps to terminate your access to Vipps and revoke this Agreement, cf. item 6.5. If the purpose is legitimate, you will be informed that the payment has been rejected and what you can do to rectify the situation so that the payment can be affected. 

5.12 Reimbursement 
If you use Vipps to pay for goods or services, but subsequently agree with the seller that you are entitled to a refund, or if the purchase is annulled for any other reason, the amount will be paid into the Source of Funding used for the payment that is to be reimbursed. 

5.13 Errors in payment transactions 

Once you have confirmed an outgoing payment in Vipps, the payment is final and cannot be reversed. If, in your opinion, a payment has not been approved by you, you must use the right to complain as described in item 5.15. If you have received a Vipps payment which is due to an error on the part of Vipps, Vipps can rectify the error by debiting your Source of Funds by the end of the third working day after the error was made. Moreover, erroneous crediting or debiting of an account on the part of Vipps is regulated by the stipulations in Sections 31 and 32 of the Financial Contracts Act. 

5.14 Vipps' liability in connection with payment orders, the purchase of goods and services and invoice payments

Vipps shall effect payments in accordance with your instructions in Vipps. If Vipps makes a mistake in connection with the payment, Vipps shall rectify the error and cover your loss, subject to the limitations in Sections 40-42 of the Financial Contracts Act. Vipps cannot be held liable for losses that are due to circumstances beyond Vipps' control which it could not reasonably be expected to have foreseen or avoided the consequences of, cf. item 9.3. Erroneous or delayed payment transfers due to failures in the telecommunications network or unforeseen failures in other systems that are delivered by third parties and are necessary for Vipps to function, will always be regarded as such circumstances. nbsp;

Vipps is also liable for losses arising when payments have not been approved by you, provided that the terms and conditions are fulfilled in accordance with Section 35 of the Financial Contracts Act. 

Vipps is not liable for errors made by you when you have entered a payment order in Vipps, cf. items 6.1 and 6-5. For example, Vipps is not liable if the recipient, telephone number or amount etc. is incorrect. Vipps is not liable for the content of the Vipps invoice and the demand for payment. Nor does Vipps have any influence on which person the invoice issuer regards as the addressee of the claim.

If you think that Vipps is liable for errors in connection with a payment, you must contact Vipps and issue a complaint in accordance with item 5.15. If you think there is an error in an invoice you have received in Vipps Invoice, you must take direct contact with the issuer of the invoice.

Once you have made a payment in Vipps, Vipps will send you a confirmation of the payment in an e-mail and in Vipps. If you have purchased a product or service with Vipps, the seller is responsible for giving you a receipt for the purchase. Vipps' confirmation of the payment in Vipps is not a receipt for the purchase.

When you buy goods or services, the seller is liable for any errors and defects. Vipps is not liable for this. 

5.15 Complaints and reversal of payments 
If, in your opinion, Vipps has carried out a transaction you have not approved, you must issue a complaint to Vipps. The bank shall then document that the transaction has been authenticated (approved), correctly registered and recorded, and has not been affected by technical failure or other errors. The fact that your Vipps profile has been used to execute the payment does not on its own represent adequate evidence that you have made the payment or acted dishonestly vis-à-vis the bank. 

However, if you are still of the view that Vipps is responsible, Vipps shall reverse the amount and compensate for loss of interest from the debit date, provided that you submit a claim for reversal of the payment without undue delay after you were or ought to have been aware of the error, and no later than 13 months after the debit date. The obligation to reverse the payment does not apply if you have acknowledged liability for the debit, or if Vipps, within four weeks from receipt of the written objection from you, has filed a civil suit or submitted the matter to the Norwegian Banking Complaints Board. If the matter is dismissed by the Board or a court of law, a new time limit of four weeks applies from the date Vipps was informed of the dismissal. In connection with the reversal of payments, you may be liable for a certain amount in accordance with item 6.6, which Vipps may withhold. 

If you suspect that you may have been exposed to a criminal act in connection with a transaction, Vipps can require that you report the matter to the police. 

If a payment is reversed in accordance with this provision, Vipps may nevertheless require that the money be repaid on a later date if the bank can render probable that the payment was approved by you and that the bank thus cannot be held liable.

6. YOUR RESPONSIBILITIES 

6.1 Correct information
You are responsible for ensuring that the information you provide about yourself to Vipps is complete, correct and updated. If there are any changes in your data, you are responsible for correcting the information in Vipps. You are responsible for providing your correct name, e-mail address, telephone number, card number and account number. This will not be checked by Vipps. 

When you use Vipps to make a payment to private individuals, you must make sure that the mobile number you use is correct, as described in item 5.1 When you use Vipps to make a payment transfer to businesses, clubs, associations or voluntary organisations, you must verify that the recipient's profile corresponds to the information you have received from the merchant, cf. item 5.1.   

6.2 Personal code - PIN 

As part of the registration procedure for Vipps, cf. item 3.2, you must select a personal code ("PIN"). Your PIN code must consist of four digits and must be different from your other PIN codes, such as the PIN code used for your Source of Funds or your mobile phone. Vipps is free to refuse the use of certain PIN code digit combinations. 

The Vipps service is for personal use only, and you must not disclose your PIN code to any third party. You are responsible for ensuring that others do not gain access to your Vipps application. Under no circumstances must you give your PIN code or other security procedures to anyone, including Vipps. If any third party asks you to disclose information that can be used to access Vipps, this must be regarded as attempted fraud. Thus, you must refuse to share such information and inform Vipps without undue delay. You are responsible for informing the relevant bank or financial institution your Source of Funds in Vipps is linked to. 

6.3 Lost or stolen mobile phone
If your mobile phone is stolen or lost, or if you suspect unauthorised use of Vipps, you must notify Vipps as soon as possible. When such notification has been given, Vipps will block the use of Vipps until further notice. 

6.4 Legitimate use 
You cannot use Vipps in breach of prevailing Norwegian law or in violation of this Agreement. If you are to use Vipps for business purposes or to receive payments on behalf of your club, association or organisation, you must enter into a separate agreement governing this with Vipps. The use of Vipps with a personal profile for business purposes is deemed to represent a serious breach of the Agreement and will result in your Vipps profile being blocked. 

If you use Vipps in a way that entails a risk of money laundering, for example by buying or selling Bitcoins, or in a way that other Vipps users perceive to be offensive or insulting, for example if you send inappropriate messages to other users, Vipps may block your Vipps profile. You cannot use Vipps on a mobile phone which is jailbroken/rooted. The use of Vipps on a phone which is modified in this way creates a risk for the misuse of Vipps and compromises the information entered in the app. Vipps will therefore consider the use of Vipps on a device which is jailbroken/rooted as a serious breach of the terms and conditions for the use of Vipps as a means of payment, which is of consequence to your responsibility as a customer in the event of misuse caused by this. 

6.5 Consequences of illegitimate use 

If Vipps has reasonable grounds to believe that your use of Vipps is in violation of law or this Agreement, Vipps is entitled to temporarily stop your use of Vipps. If such use is not discontinued or represents a serious breach of the Agreement, Vipps is entitled to terminate the Agreement. Vipps is under no obligation to inform you before the Agreement is terminated but will seek to give such notice and to provide you with the opportunity to rectify the matter if this is possible. 

6.6 Misuse of Vipps 
You will be liable for up to NOK 1 200 in connection with losses resulting from unauthorised payments due to the use of a lost or stolen payment instrument provided that your personal security procedure has been used. The same applies to payment transactions carried out following unauthorised appropriation of a payment instrument if you have failed to protect the above-mentioned personal security procedure and this has been used. 

You will be liable for up to NOK 12 000 in connection with unauthorised payment transactions if the loss is due to the fact that you, through gross negligence, have failed to fulfil one or more of your obligations under this Agreement. If the loss is due to the fact that you, through gross negligence or with intent, have failed to meet the obligations under this Agreement, you shall cover the entire loss. The same applies if the loss is due to the fact that you have acted dishonestly. 

Your liability under this item may be modified in accordance with the rules in Section 36 of the Financial Contracts Act in cases where Vipps fails to meet sound standards and the unauthorised use is related to this. 

You will not be liable for losses which occur after Vipps has been notified and your Vipps profile has been blocked. Nor will you be liable for losses if you have had no opportunity to block your Vipps profile due to circumstances at Vipps. 

6.7 Vipps' customer due diligence - consequences 
In accordance with the money laundering regulations, Vipps has a duty to apply customer due diligence measures when establishing customer relationships and in the ongoing monitoring of existing customer relationships. This may include investigations concerning the use of Vipps. If required by Vipps, you must provide information about your or others' use of Vipps or give Vipps other information. If you fail to give Vipps the required information in connection with Vipps' customer due diligence procedures, or if satisfactory customer due diligence cannot be implemented for other reasons, Vipps may terminate the Agreement with immediate effect. 

7. ELECTRONIC COMMUNICATION

By entering into this Agreement, you consent that the Agreement is entered into electronically and that this also applies to amendments to the Agreement. You accept that Vipps will communicate with you directly in Vipps, to the telephone number you have stated in Vipps, or by using your stated e-mail address.

8. VIPPS PRIVACY PROTECTION POLICY

In order to enable you to use Vipps, Vipps needs to receive, use and store some of your personal data. Most of these data are provided by yourself in Vipps when you register and are generated when you use the service. Vipps has a separate Privacy Protection Policy which you will find under "Cookies and privacy protection" in the Vipps menu. Vipps Privacy Protection Policy is part of the Agreement.

9. GENERAL PROVISIONS

9.1 Duration and termination

The Agreement remains in force as long as Vipps offers Vipps. Vipps can choose to no longer provide Vipps subject to two months' notice. If you have breached the Agreement, Vipps can terminate the Agreement with you without prior notice.

If you wish to terminate the Agreement, this can be done by contacting Vipps. Please note that the Agreement will remain in force even if you delete Vipps from your mobile device. If you do not use Vipps over a period of six months, Vipps can choose to deactivate your Vipps profile.

9.2 Amendments to the Agreement 
Vipps can make amendments to the Agreement without prior notice. The prevailing terms and conditions of the Agreement will be available in Vipps and at www.vipps.no. Amendments which are not in your favour may only be implemented by Vipps subject to two months' notice. If you do not wish to accept amendments to the Agreement, you must terminate the Agreement and your use of Vipps. If you continue to use Vipps after the Agreement has been amended, the amendments are deemed to be approved by you. Amendments to the registration procedures to comply with regulatory and security requirements, or to prevent unlawful activity, can be implemented by Vipps without prior notice. 

You can contact Vipps at any time and ask to receive these terms and conditions in a paper version.

9.3 Temporary suspension of the Agreement
Vipps' obligations under this Agreement - including the duty to make payments and debits - shall temporarily cease to apply if circumstances arise which are beyond Vipps' control, which Vipps could not reasonably be expected to have foreseen or avoided the consequences of and which render impossible completion of the Agreement. The same applies to circumstances which are due to Vipps' statutory obligations or pursuant to law. 

9.4 Contact with Vipps regarding Vipps 
Whatever your request, you can contact Vipps for assistance and information at: www.vipps.no, or by calling +47  22 48 28 00. Call +47 22 48 28 00 to report loss of your mobile phone or to block the Vipps service.

9.5 Dispute resolution
This Agreement is governed by Norwegian law. In the event of a dispute where you disagree with Vipps and we do not resolve the matter to your satisfaction, you can submit the matter to the Norwegian Financial Services Complaints Board. The Norwegian Financial Services Complaints Board can be contacted via klageskjema.finkn.no or to the Board's secretariat at postal address: P.O. Box 53 Skøyen, N-0212 Oslo.

9.6 Concessions and supervision
Vipps AS has a licence  as a payment institution and is subject to supervision by Finanstilsynet (the Financial Supervisory Authority of Norway), P.O. Box 1187 Sentrum, N-0107 Oslo and the Norwegian Data Protection Authority, P.O. Box 8177 Dep., N-0134 Oslo.


SPECIAL TERMS AND CONDITIONS FOR THE SERVICE VIPPS U15
These terms and conditions apply in addition to the general terms for Vipps for private individuals. The service can only be used by Vipps users under the age of 15 and it is linked to parents' Vipps profiles. When a child turns 15, they can create a Vipps profile without their parents' consent, by deleting the child profile and creating a new Vipps profile. Vipps has not defined a lower age limit, and it is up to parents themselves to decide when their child can start using Vipps U15.

1. ABOUT THE SERVICE
Vipps U15 is a payment service delivered by Vipps, which is based on parental consent. This means that parents must add the child in their Vipps app, before the child can create their own profile. We confirm your parental responsibility for the child by obtaining (fetching?) information from the National Population Register. The other parent will be notified that we are creating a profile for your child. Vipps U15 enables children to receive money, ask for money and transfer money to other people. Both parents must give their consent before the child can transfer money to other private individuals.

2. FORMATION OF CONTRACT
All the conditions below must be met before your child can use Vipps U15:

  • Both parents must have an active Vipps profile that is verified by BankID.
  • The child must have a Norwegian personal ID number or D number.
  • A Norwegian bank account must be given for incoming payments. The child must be registered as the account holder. Vipps checks the account ownership and verifies the connection between the child and the payment account in the banks' joint account and address register (KAR). This bank account is also used for outgoing payments, on the condition that both parents have consented to this by activating the function that gives the child the right to send money using the Vipps U15 app. The bank accounts that can be registered and used by Vipps U15 depend on the contractual relationship between Vipps and the bank where the account is registered. You will find a list of the banks that can be used at vipps.no.
  • The child must have a mobile phone with a Norwegian phone number. The service does not support the use of unlisted numbers. If the child has an unlisted number, they will not be able to use Vipps U15.
  • Vipps U15 only works on iOS and Android phones.
  • Vipps must approve the child as a Vipps U15 user.

3. USING VIPPS U15

3.1 When you can use Vipps U15
Vipps U15 is a simplified version of Vipps. Children can receive money, ask for money and transfer money to other people. A child can send money to others if both parents have approved this in their Vipps settings. Children cannot send chat messages in Vipps U15, but they can receive messages from other Vipps users.

3.2 Registration, identification and maximum amounts
Before your child can start using Vipps, you have to add them to your own Vipps profile. You do this by going to 'Profile' and selecting 'Add a child. You must consent to us obtaining information about you and your children from the National Population Register. Vipps obtains information about parental responsibility from the National Population Register, but has limited access to information about changes in parental responsibility. In certain cases, Vipps does not support the creation of a child's profile.

You select which of your children under 15 you wish to create a Vipps U15 profile for. When you create a child's profile, we are obliged to inform both parents. You must therefore consent to us notifying the other parent before we can complete the registration. The child will receive an activation code from Vipps after you have registered their mobile phone number and bank account number.

When the child has been registered and is ready to use Vipps U15, it is up to you as parents to consent to the child being able to send money to other private individuals. Consent is given under 'Profile' in the parents' Vipps apps. Select your child and activate the consent. The child can only send

money to others when both parents have registered their consent. You can see all the payments made and received in the child's bank account in your online bank.
Vipps has stipulated maximum amounts. The maximum amounts that apply at all times are available at www.vipps.no. The maximum amounts have been set to increase security, reduce the risk of crime and misuse, and to protect the child as a Vipps user. If the maximum amounts are reached, the child will not be able to receive or money. Money that has been sent to the child will be refunded to the sender within three days of the money being sent.

4. PRICES
Using Vipps U15 may incur a transaction fee. Information about prices is available at www.vipps.no under Questions, Prices and maximum amounts. If a transaction fee is incurred for a payment order, you will see information about this in Vipps before you confirm the payment.

5. PAYMENT ORDERS

5.1 Incoming payments and payment requests
The child can receive payments from others in Vipps U15. The child can also use Vipps to request payment from another private individual who uses Vipps. The child can only do this if they have a contractual basis for sending payment requests with the person they are sent to. Misuse of the right to send payment requests will be deemed a material breach of contract, giving Vipps the right to terminate the child's access to Vipps U15.

5.2 Payment orders to private individuals
For payment orders to private individuals in Vipps U15, the child searches for the recipient's phone number or name in their contact list. If the recipient is not a Vipps user, they will receive a text message stating that the child has made the payment and the recipient must register as a Vipps user to be able to receive the payment. If the recipient does not start using Vipps by the deadline set by Vipps, this amount will be returned to the child's bank account registered in Vipps after three days.
When the child uses Vipps U15 to pay private individuals, they must check that the recipient's mobile phone number is correct. When the child uses Vipps to pay a private individual, the child's name and phone number will be shown in the recipient's Vipps app. The child's name and account number (Source of Funds), will also appear in the recipient's transaction history in online banks and bank statements.

6. THE CHILD'S RESPONSIBILITIES

6.1 Personal code - PIN
In connection with the registration procedure in Vipps, cf. section 3.2 of the Special terms and conditions for the service Vipps U15, the child must select a personal code (PIN). The PIN code comprises four digits, and must be different from other PIN codes used by the child, such as the PIN code for the child's mobile phone. Vipps is entitled to deny the use of certain digit combinations as PIN codes. If child needs to reset PIN-code, parent need to call our customer center.
Vipps is a service that is exclusively for personal use, and the child must not give others access to the Vipps U15 app, or disclose their PIN code to others. You must ensure that others do not gain access to the child's Vipps app. The child must not under any circumstances disclose their PIN code or other security information to anyone, including the police, the bank or Vipps. If any unauthorised persons ask the child to disclose information that can be used to gain access to Vipps, the child must refuse to do so. Such and similar attempts to gain unlawful access to PIN codes or other security procedures must be reported, either by the child or you, immediately to Vipps. It is your responsibility to notify the bank or financial undertaking which the child's Source of Funds in Vipps is linked to.

6.2 If the child's mobile phone is lost or stolen
If the child's mobile phone is stolen, lost or you suspect unauthorised use of Vipps U15, you or the child must notify Vipps as soon as possible. When you have notified Vipps, it will block Vipps U15 until further notice.

6.3 Misuse of Vipps U15
In an assessment of whether a Vipps U15 user can be held liable for unauthorised payments and, if applicable, when determining the amount of liability in damages, the child's age, development, behaviour, their ability to pay and any other circumstances will be taken into account, cf. the principles in the Compensatory Damages Act Section 1-1.

  • Reduced liability for minors under 13: The U15 user is liable for up to NOK 800 for losses in connection with unauthorised payment transactions due to the user intentionally not meeting the obligation under section 6.1 of the Special terms and conditions for the service Vipps U15 if the user should have understood that the intentional act would entail misuse of Vipps. The same applies in the event of fraudulent conduct on the part of the user.
  • Reduced liability for minors over 13: The U15 user is liable for up to NOK 1,200 in connection with unauthorised payment transactions if the loss is due to gross negligence on the part of the user in that they have failed to comply with one or more of their obligations under this Agreement. If the loss is due to intent on the part of the user in that they have failed to comply with the obligations under this Agreement, the user must bear the entire loss. The same applies if the loss is due to fraudulent conduct on the part of the user.

The user's liability under this section can be reduced pursuant to the rules in Section 36 of the Financial Contracts Act in the event that Vipps fails to meet sound standards and the unauthorised use is related to this.

7. PARENTS' LIABILITY
Where the Agreement describes that a Vipps user can incur liability in damages, for example for the misuse of the account by others, the parents may also incur joint liability pursuant to the Compensatory Damages Act in the following cases:

a) Pursuant to the Compensatory Damages Act Section 1-2 no 1, parents are obliged to pay damages for damage inflicted by children and youth under 18, to the extent they have failed to provide due supervision or have not done what can reasonably be expected of them to prevent damage.

b) Pursuant to the Compensatory Damages Act Section 1-2 no 2, parents are liable, irrespective of whether they are at fault, for up to NOK 5,000 per loss event as a result of minors' tortuous acts.

Parents may also incur liability in damages in relation to Vipps if they, acting as a guardian and/or manager, carry out transactions on the account in breach of this Agreement or of the provisions of the Guardianship Act, and this leads to a loss for Vipps.