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Terms and Conditions

These Terms and Conditions apply to your use of the Wirecard boon. mobile payment service on a smart phone or wearable device or through a digital wallet provider. Please read them carefully and keep a copy for your records. You can ask us at any time for a copy of these Terms and Conditions, our current rates of Fees, the current Usage Restrictions, and/or a statement of recent Transactions made through your boon. App or by contacting us using one of the Contact Methods.

The copyright and other intellectual property rights in the boon. App are owned by Wirecard Card Solutions Limited, a company registered in England and Wales with company number 07875693 ("Wirecard") or its affiliated companies. Wirecard's principal office is at Grainger Chambers, 3-5 Hood Street, Newcastle upon Tyne, NE1 6JQ. The underlying software in the boon. App is licensed to you and not sold.

In these Terms and Conditions:

"Apple Watch" means an Apple Watch that supports Ap

"Balance" means the electronic money loaded in your boon. Account using one of the topping up methods set out in section 2 of these Terms and Conditions;

"boon. Account" means the account created by Wirecard in your name, which is linked to your boon. Card and into which top up payments are made in accordance with section 2 of these Terms and Conditions and from which payments out are made in accordance with section 3 of these Terms and Conditions;

"boon. App" means the application available for download free of charge from the relevant app store available on your Mobile Device and which, when installed on your Mobile Device, allows you to execute a Transaction;

"boon. Card" means a virtual card issued by Wirecard in your name and which is linked to your boon. Account. You can view your boon. Card details in the boon. App;

"boon. PIN" means the unique personal identification number which is set by you as part of the installation process;

"Business Day" means any day (other than a Saturday or Sunday) on which banks in London are open for normal banking business;

"Contact Methods" means the methods by which you may contact us:

  • Service Email: contact@beboon.com
  • Service Hotline: +44 (0)20 3695 7827. This is the phone number you call for all queries, actions and complaints regarding your boon. It is available from 07:00 to 19:00 (UK time) on Monday to Saturday, including on public holidays;

"Digital Wallet" means a digital wallet accessed through a Mobile Device and which is operated by a provider with whom Wirecard and its affiliates have made arrangements enabling the participation of the boon. mobile payment service within that digital wallet;

“E-Commerce Transaction” means a transaction initiated by you to purchase goods or services on the internet either using a Digital Wallet through your Mobile Device or via a merchant website or mobile app using the boon. Card details;

"Fees" means the fees which we may charge you from time to time for us operating and you using your boon. Account. These may include:

  • fees for topping up your boon. Account ("Top-up Fee");
  • ongoing monthly fees ("Monthly Fees");
  • fees for using your boon. Card to make payments in a currency other than the one in which the boon. Account is set up ("Foreign Currency Fee");
  • fees for redeeming your Balance ("Redemption Fee"); and/or
  • fees for undertaking investigations where you request that a Transaction is refunded ("Investigation Fee").

The amount of Fees can change over time and the current Fee rates can be found in the annex, "boon. Fees and Usage Restrictions", which can be found through your boon. App, or on the boon. website, or you can ask us for a copy of our current Fee rates using one of the Contact Methods;

“Mobile Device” means a portable device that supports the boon. App and a Digital Wallet;

"Payment Transaction" means a POS Transaction, an E-Commerce Transaction or a P2P Transaction;

"POS Transaction" means a transaction initiated by you through your Mobile Device to purchase goods or services at a point of sale. Your Mobile Device must be NFC – enabled to carry out a POS Transaction;

"Pre-loaded Credit" means any balance pre-loaded by us to your boon. Account;

"Privacy Policy" means Wirecard's privacy policy which, together with these Terms and Conditions, describes the basis upon which any personal data we collect from you, or that you provide to us, will be processed, handled and shared by us, as may be amended from time to time in accordance with its terms and as further explained and defined in section 17 of these Terms and Conditions;

"P2P Transaction" means a transaction initiated by you to transfer value from your boon. Account to the boon. account of another user. P2P Transactions are only available to boon. account holders who have upgraded successfully to “boon. PLUS”-level;

"Redemption Request" means a request from you to redeem your Balance in accordance with section 11 of these Terms and Conditions;

"Terms and Conditions" means these terms and conditions and includes the current Fee rates which can be found in the annex, "boon. Fees and Usage Restrictions", which can be found through your boon. App, or on the boon. website, or you can ask us using one of the Contact Methods. The Privacy Policy also applies to the relationship between us but does not form part of the Terms and Conditions;

"Transaction" means any transaction which can be executed from your boon. Account, including a Payment Transaction and/or a Redemption Request;

"TPP" means an account information service provider, an online service which provides consolidated information on payment accounts you may hold including your boon. Account, as further detailed in section 5.

"Usage Restrictions" means usage restrictions applicable to your boon. Card and your boon. Account from time to time which form part of these Terms and Conditions and which are accessible in the annex, "boon. Fees and Usage Restrictions", which can be found through your boon. App, or on the boon. website, or you can ask us using one of the Contact Methods;

"User", "you" or "your" means the person who is identified as having downloaded and installed the boon. App through the registration with us of your full name, date of birth, residential address, nationality, e-mail address and mobile phone number; and

"Wirecard", "we", "us" or "our" means Wirecard Card Solutions Limited, a company registered in England and Wales with company number 07875693 and authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (register reference 900051) for the issuing of electronic money.

1. Downloading and activating your App

1.1 To download the boon. App you must be at least 18 years old and own a Mobile Device.You will need to access the relevant app store on your Mobile Device, and follow the download instructions. During the installation and registration process you will be asked to:
a. provide your required personal details;
b. set an account password, boon. PIN and security question; and
c. read and accept these Terms and Conditions.

If you have not completed any of the steps set out in (a) to (c) above, you cannot complete the boon. App installation process.

1.2 By installing and activating your boon. App on your Mobile Device you agree to use your boon. App, your boon. Card and your boon. Account in accordance with these Terms and Conditions.

1.3 Any Pre-loaded Credit will be available upon successful completion of the registration process.

1.4 As part of the installation process, you may also be required to:
(a) complete any biometric or other identification process on your Mobile Device; and
(b) if you would like to use your boon. Card through a Digital Wallet, complete the process on your Mobile Device to connect your boon. Card to the Digital Wallet.

1.5 Through the boon. App, you will be able to (amongst other things) view your transaction history and view your boon. Card details.You can contact us via the Contact Methods if you would like copies of your transaction statements to be provided to you in another way.Where possible, we will try and accommodate your request.

1.6 Downloading or accessing your boon. App will use data, for which your existing agreement with your mobile phone provider for data usage will apply and you may incur charges with your mobile phone provider. You should consult your data usage agreement with your mobile phone provider for further details.

2. Topping up your boon. Account

2.1 Subject to the satisfactory completion of any required identity and other checks, you can top up your boon. Account as described in this section 2 of these Terms and Conditions with funds to be used for Payment Transactions.

2.2 The Balance on your boon. Account must never exceed any limits specified in the Usage Restrictions.

2.3 Detailed instructions on how to top up your boon. Account are set out within the boon. App.

2.4 You may top up your boon. Account by:
(a) making a transfer from a personal bank account held in your name; or
(b) using a credit card issued to you; or
(c) using a debit card issued to you.

Funds topped up in this way will be credited to your boon. Account without delay after the receipt of funds by us.

2.5 If as a result of a Transaction one or more of the limits set out in the Usage Restrictions will be exceeded, the Transaction will not be approved.

2.6 We reserve the right to refuse to accept any particular top up transaction or to disable any particular topping up method without notice in the interests of preventing fraud, money laundering or any other criminal activity.

2.7 We may charge you a Top-up Fee each time you top up your boon. Account. The amount of this Top-up Fee may change over time and the current Fee rates can be found in the annex, "boon. Fees and Usage Restrictions", which can be found through your boon. App, or on the boon. website, or you can ask us for a copy of our current Fee rates using one of the Contact Methods.

3. Using your boon. Card

3.1 Once your boon. App is activated, your boon. Account is topped up and, if you would like to use your boon. Card through a Digital Wallet, your boon. Card is connected to the Digital Wallet, and subject to technical availability and these Terms and Conditions in each case, you can use your boon. Card, up to the Balance, to carry out Payment Transactions.

3.2 You should make sure there is sufficient Balance in your boon. Account to cover the amount of a Transaction and any applicable Fees. We may refuse to carry out a Transaction if you have insufficient Balance to cover the amount of the Transaction and any applicable Fees.

3.3 You will not earn any interest on your Balance.

3.4 The Balance on your boon. Account is not a deposit and you do not have any right to seek compensation under the UK's Financial Services Compensation Scheme if you suffer any financial loss of that Balance.

3.5 Detailed instructions on how to use a Digital Wallet are usually set out within that Digital Wallet and you will need to read and accept any relevant terms and follow the instructions in order to use your boon. Card to carry out POS Transactions or E-Commerce Transactions using that Digital Wallet.

3.6 The amount which you can spend with your boon. Card may be limited by regulation (e.g. when using a Digital Wallet in a single contactless Payment Transaction), or by a merchant's acceptance policies and implementation procedures.

3.7 We will deduct the value of your Transactions from the Balance on your boon. Account. We will also deduct any applicable Fees as soon as they become payable by you.

3.8 You agree not to damage, interfere with or disrupt access to the boon. App or do anything which may interrupt or impair its functionality, including, without limitation, by uploading or otherwise distributing files that contain viruses, corrupted files, Trojan horses, or any other similar software or programs that may be used to access, modify, delete or damage any data files, accounts or other computer programs used by Wirecard or other users of the boon. mobile payment service.

4. Authorising transactions

4.1 You will be asked to authorise each Transaction at the time it is initiated by you.

4.2 A Redemption Request will be regarded as authorised by you where you contact us to request redemption as described in section 11.1 of these Terms and Conditions.

4.3 A POS Transaction will be regarded as authorised by you either directly using your boon. App or through a Digital Wallet where you follow the instructions provided by the merchant to authorise the Payment Transaction, which may include:
(a) holding your Mobile Device against a contactless terminal for the purpose of making a payment and completing the biometric or other identification process on your Mobile Device; or
(b) holding your Mobile Device against a contactless terminal for the purpose of making a payment and allowing the verification to operate by skin contact; or
(c) signing a sales voucher.

4.4 An E-Commerce Transaction will be regarded as authorised by you where you follow the instructions provided by the merchant to authorise the E-Commerce Transaction, which may include:
(a) selecting the Digital Wallet on the internet or in App for the purpose of making a payment and completing the biometric or other identification process on your Mobile Device or using your Mobile Device for allowing the verification to operate by skin contact; or
(b) providing the boon. Card details as requested by the merchant to process and authorise the E-Commerce Transaction.

4.5 A P2P Transaction will be regarded as authorised by you where you (in the boon. App):
(a) select the identity of the boon. account you wish to transfer funds to (by the relevant account holder's mobile number); and
(b) enter your password or complete the biometric or other identification process on your Mobile Device. To carry out a P2P Transaction, both you and the recipient boon. account holder must have successfully upgraded to “boon. PLUS”-level and have active boon. accounts.

4.6 On some occasions (for example, payments you make at hotels or at fuel stations), you may pre-authorise a Transaction. This means we place a temporary block of a specific amount of your Balance. You should ensure you know the exact amount of the Transaction at the time you authorise it.

4.7 We shall release any blocked funds without undue delay as soon as we are aware of the exact amount of the Transaction and immediately after receipt of the relevant Transaction instruction.

4.8 You can withdraw or revoke your authorisation for a Transaction at any time until it is received by us. Authorisation for a Transaction may not be withdrawn (or revoked) by you once we have received it.

4.9 Your authorisation for a Transaction will be received by us as follows:
(a) for POS Transactions or E-Commerce Transactions, at the time we receive the POS Transaction or E-Commerce Transaction instruction from the merchant acquirer;
(b) for P2P Transactions, at the time we receive the instruction from you via the boon. App; and
(c) for Redemption Requests, at the time we receive the request from you in accordance with section 11.1 of these Terms and Conditions.

These authorisations will be reviewed by us almost instantaneously and it is unlikely you will be able to withdraw your authorisation for a transaction before this time.

4.10 Subject to this section 4 and section 6 below of these Terms and Conditions, where a Transaction:
(a) is to be made in any currency of a member of the European Union, we shall ensure that the payment will be credited to the recipient's account by the end of the Business Day following our receipt of your authorisation;
(b) is to be made wholly within the European Union but in another currency, we shall ensure that the payment will be credited to the recipient's account by the end of the fourth Business Day following our receipt of your authorisation.

5. Third Party providers

5.1 You can choose to allow a third party provider ("TPP") to access information on your boon. Account, to combine and display information about your boon. Account with information from accounts you have with other payment service providers, provided the TPP is authorised by the Financial Conduct Authority or another European regulator and you have given your explicit consent.

5.2 If you are thinking of using a TPP, you must check with the appropriate regulator whether that TPP is authorised before you use it.

5.3 We can refuse or stop access to a TPP if we're concerned it isn’t authorised or if we believe it is acting fraudulently. If that happens, we'll contact you to explain why unless we believe that would compromise our security or would be unlawful.

6. Blocking your boon. App or boon. Card and refusing Transactions from your boon. Account

6.1 We may at any time suspend, restrict or cancel your boon. App or boon. Card, or suspend or restrict access to your boon. Account, or refuse to issue or replace the boon. App or boon. Card for reasons relating to the following:
(a) we are concerned about the security of the boon. App or the boon. Card (including if we suffer a security threat) that we have issued to you;
(b) we suspect your boon. App., your boon. Card or your boon. Account is being used in an unauthorised, illegal or fraudulent manner;
(c) we need to do so to comply with the law of any jurisdiction;
(d) you tell us that your Mobile Device is lost or stolen as further detailed in section 9; or
(e) if the contract between us has been cancelled as further detailed in section 7 below.

6.2 Unless informing you would compromise reasonable security measures or otherwise be unlawful, where practicable we will inform you by phone or email (whichever we think is most secure in the circumstances), giving our reasons, before suspending, restricting or cancelling your boon. App or boon. Card, suspending or restricting access to your boon. Account, or refusing to issue or replace the boon. App. or boon. Card. If not practicable to inform you in advance, we will inform you immediately afterwards, giving our reasons.We will also give you information on how you can minimise any risk to your boon. App or boon. Card depending on the nature of the security threat.

6.3 We will unblock your boon. App, boon. Card and/or your boon. Account as soon as practicable after the reasons for stopping its use cease to exist and will inform you by phone or email when we have unblocked the boon. App, boon. Card and/or your boon. Account.

6.4 We may refuse to carry out a Transaction if:
(a) the Balance loaded in your boon. Account at the time of a Transaction is insufficient to cover the amount of the Transaction and any applicable Fees;
(b) we believe that you are acting in breach of these Terms and Conditions;
(c) we believe that a Transaction is potentially suspicious or illegal; or
(d) due to errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors, card networks or payment schemes processing Transactions.

6.5 If we refuse to carry out a Transaction, unless informing you would compromise reasonable security measures or be otherwise unlawful, we will inform you at the earliest opportunity and in any event by the end of the Business Day following the day we have received the Transaction request. For POS Transactions, normally we will inform you with an error message on the merchant's contactless terminal and a receipt showing that payment has not been made, although in some instances we may inform you by phone or e-mail. For E-Commerce Transactions and P2P Transactions, an error message will appear on screen to show that payment has not been made. You can contact us using any of the Contact Methods to ask for our reasons for refusing to carry out that Transaction and for an explanation of how you can correct any information we hold that led to our refusal to approve a Transaction.

6.6 You may correct any information we hold and which may have caused us to refuse a Transaction by contacting us via any Contact Method.

7. Cancelling your boon. App, boon. Card and boon. Account

7.1 The contract between us which is set out in these Terms and Conditions will continue until cancelled in accordance with this section 7.

7.2 You have the right to cancel the contract between us, which is set out in these Terms and Conditions, at any time without notice by using any of the Contact Methods. You will need to cancel this contract if you are upgrading your Mobile Apple Device to a mobile device which runs another operating system, or if you are giving up the mobile telephone number with which your boon. App is associated.

7.3 We may cancel the contract with you, with immediate effect, by giving written notice if you break an important part of these Terms and Conditions, including:
(a) if you repeatedly break these Terms and Conditions and fail to resolve the matter to our satisfaction in a timely manner;
(b) if you act in a manner that is threatening or abusive to our staff or anyone acting on our behalf;
(c) if you fail to pay when due any Fees or charges that you have incurred; or
(d) in the event of your death or incapacity.

7.4 We may cancel the contract with you for any reason by giving you at least 2 months' written notice.

7.5 We may also cancel the contract with you with immediate effect and/ or suspend your boon. App, boon. Card and/or your boon. Account immediately if:
(a) we believe your boon. App, boon. Card and/or your boon. Account is deliberately being used by you or anyone else to commit fraud or for other illegal purposes; or
(b) if arrangements between Wirecard and its affiliates and the provider of your Digital Wallet and its affiliates enabling the participation of the boon. mobile payment service within that Digital Wallet are suspended or otherwise cease for any reason.

If we do this, we will tell you by phone or e-mail as soon as we are permitted to do so and you must stop using your boon. App, boon. Card and your boon. Account.

7.6 If you or we cancel the contract between us, then as soon as we are permitted to do so (and normally within 5 Business Days after you contacted us where you cancel this contract) we will return any Balance remaining in your boon. Account (after the deduction of all pending Transactions and applicable Fees) to you. Please note that in order to comply with applicable legal and regulatory requirements, including anti-money laundering and terrorist financing requirements we may need:
(a) to verify your identity; and
(b) to return that Balance to a personal bank account in your name which you have previously used to top up your boon. Account and you should tell us which account you prefer by using one of the Contact Methods.

7.7 Once the contract between us has been cancelled, you will not be entitled to a refund of money you have already spent on Transactions authorised or pending, or any Fees for use of the boon. Account incurred before the contract between us was cancelled.

8. Keeping your boon. App and boon. Card secure

8.1 You should treat your boon. App, boon. Card, username, passwords and your boon. PIN with the same level of care and diligence as if they were cash and you undertake to us that you will not disclose them, or allow them to be used by anyone else.

8.2 If your Mobile Device is lost or stolen, or if you suspect that someone else has access to your boon. App or boon. Card or knows your username, passwords or your boon. PIN, please follow the instructions set out in section 9 below. Note you may lose some or all of your Balance in the same way as if you lost cash in your wallet or purse.

8.3 You are responsible for setting your boon. PIN. The boon. PIN needs to meet following requirements:
- it must consist of four digits;
- at least three digits need to be different; and
- the digits must not appear in numerical order (e.g. 1234 would not be accepted as a boon. PIN).

8.4 You should memorise your boon. PIN and must keep it secret at all times. You should never disclose the boon. PIN or any other security information to anyone. If you suspect that someone else knows your boon. PIN, you should tell us and change it as soon as possible.

8.5 We have the right to disable any username, password, or boon. PIN, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and Conditions.

8.6 We recommend that you check the Balance and Transaction history through the boon. App. We will provide you with a statement of recent Transactions through the boon. App which will show:
(a) information relating to each Transaction which will enable it to be identified;
(b) the amount of each Transaction shown in the currency in which that Transaction was paid or debited to the boon. Account;
(c) the amount of Fees for each Transaction;
(d) the exchange rate (if any) which applied to each Transaction;
(e) where applicable, the amount of each Transaction following a currency conversion (if any); and
(f) for each Transaction, the date on which your authorisation was received by us as described in section 4.9 of these Terms and Conditions.

8.7 When you upgrade one of your Mobile Devices, you must delete the boon. App from your "old" Mobile Device and delete the boon. Card from your Digital Wallet.

9. Reporting security breaches and unauthorised or incorrectly executed Transactions

9.1 If you know or suspect that:
(a) your Mobile Device with your boon. App has been lost or stolen, or
(b) someone else has access to your boon. App, or boon. Card, or
(c) your username, passwords or boon. PIN or any other security information is known to an unauthorised person,

you must tell us immediately by calling us on 00800 9473 2270, which is available 24 hours a day.

9.2 If you think a Transaction that was not authorised by you has been processed or that a Transaction has been incorrectly executed, you must contact us immediately on our Service Hotline, which is available between 07:00 and 19:00 (UK time) on Monday to Saturday, including on public holidays. We may ask you to complete a declaration form and return it to us promptly.

9.3 We may investigate your claim that a Transaction has not been authorised by you and, where permitted by law, we may charge an Investigation Fee for doing so.

10. Refunding Transactions

10.1 Provided that you notified us in accordance with section 9.2 above of any unauthorised/incorrectly executed Transaction without delay and at the very latest within 13 months of the debit date you may be entitled to a refund of that Transaction.

10.2 If you initiated a Transaction and the payee claims not to have received that payment Transaction, we shall make immediate efforts to trace the payment Transaction and shall notify you of the outcome. Unless we can prove that the payment Transaction was received by the payee's payment services provider, we will refund the amount involved and restore the Balance on your boon. Account to the level at which it would have been if that particular Transaction had not occurred.

10.3 If we executed the Transaction in accordance with information that you provided to us, we shall not be liable to you for non-execution or defective execution if it transpires that the information you provided to us was incorrect. However, we shall make reasonable efforts to recover the funds involved in that Transaction and we may charge you for our costs of doing so.

10.4 If we were responsible for an incorrectly executed Transaction which you notified us of in accordance with section 9 above, we will refund the amount involved and restore the Balance on your boon. Account to the level at which it would have been if that particular Transaction had not occurred.

10.5 If the unauthorised Transaction arose from the loss, theft or misappropriation of your Mobile Device or of your boon. App, boon. Card, username, passwords or boon. PIN or any other security information, we will refund the amount involved, except the first £35, for which you will be liable.

10.6 If the unauthorised Transaction arose from you acting fraudulently or where, with intent or gross negligence, you failed to use the boon. App, boon. Card or your boon. Account in accordance with these Terms and Conditions (including the obligations to keep safe the boon. App, boon. Card, username, passwords and boon. PIN or any other security information), we will not make any refund and you will be liable for the full amount of all losses incurred.

10.7 Where any refund is due to you, we shall make it immediately (and in any event, by the end of the next Business Day following receipt of your claim) or, if that is not possible, as soon as practicable following receipt of any further information we may request in order to investigate your right to a refund. However, if, following investigation, we have reasonable grounds to believe that a refund was not in fact due to you for any reason, or that we have made too large a refund, we may reverse that previous refund and you may be liable for any loss we suffer from your use of the boon. App, boon. Card or your boon. Account.

11. Redeeming funds in your Account

11.1 You have a general right to redeem funds held in your boon. Account (other than any Pre-loaded Credit) at any time in whole or in part. To do so, please use any of the Contact Methods, requesting redemption and indicating the amount to be redeemed (before the deduction of any applicable Fees).

11.2 In order to process your Redemption Request, we may ask you to provide us with documents, evidence and other information to verify your identity to enable us to comply with applicable legal and regulatory requirements.

11.3 We may also charge a Redemption Fee if one of the following circumstances applies:
(a) you are requesting redemption before termination or expiry of these Terms and Conditions;
(b) you cancel these Terms and Conditions before any agreed termination or expiry date; or
(c) you request redemption more than one year after the date of termination or expiry of these Terms and Conditions.

The amount of this Redemption Fee may change over time and the current Fee rates can be found in the annex, "boon. Fees and Usage Restrictions", which can be found through your boon. App, or on the boon. website, or you can ask us for a copy of our current Fee rates using one of the Contact Methods.

11.4 We may redeem the funds in your boon. Account, at our discretion, by arranging a refund to you and we shall ask you to confirm where that refund should be made, which should be to a personal bank account in your name which you have previously used to top up your boon. Account.

12. Our liability

12.1 We will not be liable to you for any loss arising from:
(a) any unauthorised Transaction where you acted fraudulently or where, with intent or gross negligence, you failed to use the boon. App and your boon. Account in accordance with these Terms and Conditions (including the obligations to keep safe the boon. App, boon. Card and your boon. Account, username, passwords and boon. PIN or any other security information);
(b) any Transaction which we executed in accordance with information that you provided to us where it transpires that the information you provided to us was incorrect (although we shall make reasonable efforts to recover the funds involved in that Transaction);
(c) any abnormal or unforeseeable circumstances outside of our control, where we could not have avoided those consequences even though we made all efforts to do so;
(d) any merchant refusing to accept your boon. Card (through a Digital Wallet or otherwise);
(e) any failure of your Mobile Device, or your Digital Wallet, or any other equipment, software or services which are required for successful technical execution of a Transaction and over which we have no control; or
(f) our compliance with applicable legal or regulatory requirements.

12.2 We will also not be liable for:
(a) business interruption; or
(b) loss of revenue, reputation, goodwill, opportunity or anticipated savings; or
(c) any loss or damage whatsoever which does not stem directly from our breach of these Terms and Condition

12.3 We will use reasonable efforts to make the boon. App and the boon. Card available to you, but we will not be liable to you for any loss or damage arising if they, or the Digital Wallet, are unavailable at any time, or if access is interrupted.

12.4 Other than the losses set out in the paragraphs above (for which we are not liable) and subject to the paragraphs below, our maximum aggregate liability under or in connection with these Terms and Conditions whether in contract, tort (including negligence) or otherwise, shall in all circumstances be limited to a sum equal to £200 in any 12 month period.

12.5 Nothing in these Terms and Conditions shall limit or exclude our liability for death or personal injury resulting from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

12.6 Wirecard does not warrant or promise that the boon. App will meet your requirements or that the operation of the boon. App and boon. Card will be uninterrupted or error free or that the boon. App will be free from any viruses, corrupted files, Trojan horses, or any other similar software or programs that may be used to access, modify, delete or damage any data files or other computer programs used by you or that defects in the boon. App will be corrected (although we will endeavour to help you where we can if you contact us via the relevant Contact Method).

12.7 You are responsible for configuring your information technology, computer programmes and platform in order to access the boon. App and the Digital Wallet. You should use your own virus protection software.'

12.8 We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer or other device or equipment, computer programs, data or other proprietary material due to your use of the boon. App or the Digital Wallet.

12.9 You shall use the boon. App and boon. Card at your own risk.

13. Ownership and protection of information

13.1 All intellectual property rights in the boon. App throughout the world belong to Wirecard. Rights in the boon. App are licensed (not sold) to you, and you have no rights in, or to, the boon. App other than the right to use it in accordance with the terms of these Terms and Conditions. You have no right to have access to any underlying software in source code form or in unlocked coding or with comments.

13.2 Aspects of the boon. App, including the specific design and structure of individual programs, form part of Wirecard's trade secrets and/or copyrighted material. You therefore agree not to disclose, provide, copy or otherwise make available such trade secrets or copyrighted material in any form to any third party without Wirecard's prior written approval.

14. Changes to these Terms and Conditions

We reserve the right to change the Terms and Conditions at any time. We will take into account your interests affected by the intended changes and will only make changes that we consider to be reasonable. Changes to exchange rates will take effect immediately where they move in your favour or where they result from a change to the reference rate of Mastercard from time to time. For all other changes, we will give you at least two months' prior written notice via e-mail or directly within your boon. App of any intended change to the Terms and Conditions and we will provide you with the new version of the Terms and Conditions. If you do not agree with the proposed change you must tell us via one of the Contact Methods before that change takes effect, otherwise you will be deemed to have accepted the change to the Terms and Conditions.

15. Fees and Usage Restrictions

Details of the Fees and charges relating to your boon. App, your boon. Card and your boon. Account are listed in these Terms and Conditions, and the Fee rates applying from time to time can be accessed via your boon. App or on the boon. website or you can ask us for a copy of our current Fee rates using one of the Contact Methods. All usage restrictions relating to your boon. App, your boon. Card and your boon. Account are described in the Usage Restrictions summary which can be accessed on your boon. App. By accepting the Terms and Conditions and activating your boon. App you agree to pay all applicable Fees relating to your use of the boon. App, your boon. Card and your boon. Account as set out in these Terms and Conditions.

16. Your details

You confirm that any information you provide us with is true, accurate and up-to-date. You confirm that you will let us know immediately by contacting us at contact@boonpayment.com if you change your personal details. You may also update your residential address and email address by following the instructions within your boon. App. If we contact you in relation to your boon. App, your boon. Card or your boon. Account we will use the most recent contact details you have provided to us.

17. Data Protection and how we use your information

17.1 The personal data that you provide to us (including, without limitation, an email address, any biometric data used in the identification process or other user identifier and a password) will be processed by Wirecard in accordance with these Terms and Conditions and our privacy policy ("Privacy Policy"). Please read the Privacy Policy carefully as it provides information about how we use, share, store and process your personal information. By using the boon. App, your boon. Card and your boon. Account you consent to Wirecard processing such information in this way.

17.2 If we suspect that we have been given false or inaccurate information, we may record our suspicion together with any other relevant information.

17.3 You must not give us personal information about someone else (such as alternative named contacts) without first getting his or her consent for it to be used and disclosed for such use in accordance with these Terms and Conditions and our Privacy Policy. When you provide such third party information we will assume he or she has consented, although we may still ask for confirmation.

18. Assignment

We may assign our rights and obligations under these Terms and Conditions to another company (including to Wirecard Bank AG) at any time, on giving you 2 months' prior written notice of this. If we do this, your rights under these Terms and Conditions will not be affected.

19. Complaints

19.1 If you have a complaint about the boon. mobile payment service please tell us by using the Service E-mail (contact@boonpayment.com) so we can investigate the circumstances for you. We will aim to deal quickly and fairly with any complaints you have about the boon. mobile payment service.You can request a copy of our complaints procedure at any time.

19.2 If we do not resolve your complaint about the boon. mobile payment service, you may be able to refer it to the UK Financial Ombudsman Service who offer a free complaints resolution service to individuals, micro-enterprises, small charities and trustees of small trusts. You can contact the UK Financial Ombudsman by telephone on: from inside the UK: 0300 123 9123 or 0800 023 4567; from other countries: +44 20 7964 0500 on Monday to Friday, 8am to 8pm and on Saturday 9am to 1pm or by post at The Financial Ombudsman Service, Exchange Tower, London E14 9SR or by email: complaint.info@financial-ombudsman.org.uk. The UK Financial Ombudsman Service is also available in a number of different languages and if you need it you will be put in touch with a translator when you contact the UK Financial Ombudsman Service.

19.3 If you have a complaint about your Digital Wallet, you will need to raise that complaint with the provider of your Digital Wallet. through the channels provided within that Digital Wallet.

20. Disputes with Merchants

If you have any disputes about purchases made using your boon. Card, you should settle these with the person from whom you bought the goods or services. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased using the boon. mobile payment service. Remember that once you have used your boon. Card to make a purchase through a Digital Wallet we cannot stop that Transaction.

21. Severance

If any court or competent authority finds that any provision in these Terms and Conditions (or any part of any provision) is invalid, illegal or unenforceable, that provision (or part) shall, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these Terms and Conditions shall not be affected.

22. Governing law and language

These Terms and Conditions are governed by English law and are subject to the exclusive jurisdiction of the English Courts. These Terms and Conditions are in English and all communications with you will be in English.