2025-10-24T22:03:12.542Z

GREEN-GOT

TERMS AND CONDITIONS

Applicable from 25/10/2025

The present terms and conditions are as follows:

As an account holder, you must carefully read and accept these Green-Got Terms and Conditions and the Green-Got and Prepaid Debit Card Account Agreement, which form an indivisible whole, before opening an account or using the services offered by Green-Got.

The Green-Got account is a payment account, without authorized overdraft, associated with a Mastercard debit card and allows you to make payments at merchants accepting Mastercard, online payments, withdraw cash, make and receive transfers. The account is issued by PPS EU SA, a limited company incorporated under Belgian law, whose registered office is at Boulevard du Souverain 165, Box 9, 1160 Auderghem, Belgium, registered under number 0712.775.202, which is an electronic money institution approved by the National Bank of Belgium, authorized as such to issue, manage and make available electronic money and to provide Payment Services.

The Account is distributed and administered by Green-Got as agent of PPS EU. Green-Got is the trading name of DOMINO, a société par actions simplifiée with capital of 27,653.85 euros, whose registered office is located at 20bis, rue Louis-Philippe - 92200 Neuilly-Sur-Seine, France, registered with the Paris Trade and Companies Register under number 883 981 763.

These terms and conditions are applicable from 25/10/2025.

1. THE COMPANY

Domino (trade name: Green-Got) is a simplified joint stock company with a capital of 27,653.85 euros, whose registered office is located at 20bis rue Louis-Philippe - 92200 Neuilly-sur-Seine, France, registered with the Nanterre Trade and Companies Registry under number 883 981 763 ("Green-Got" or the "Company").

Green-Got operates as a payment service provider agent for PPS EU SA, a limited liability company incorporated under Belgian law, whose registered office is at Boulevard du Souverain 165, Box 9, 1160 Auderghem, Belgium, registered under number 0712.775.202, which is an electronic money institution authorized by the National Bank of Belgium (hereinafter referred to as "PPS EU"), authorized as such to issue, manage and make available electronic money and to provide Payment Services.

https://green-got.com is a site published by the company Green-Got (the "Site"), and is hosted by 02switch, SARL registered in Nanterre under number 510 909 807.

2. THE GREEN-GOT OFFER

The offer is characterized by access to

  1. A payment account (the "Account") in forms 2 whose commercial names are characterized by:

    • Essential
    • Premium.

    And, the subscription to an associated Mastercard debit card (the "Card") opened and issued by PPS ELI as well as certain additional services described in article 7 (the "Services").

    The Account and the Card as well as the associated services are described in more detail below and in the PPS GG (as this term is defined below).

    The fee schedules for which are available in the appendices.

    Offers not expressly mentioned (e.g. Cashback, Partner Discount Code, etc.) in the present conditions are not included in these General Conditions and do not contractually bind Green-Got.

  2. A life insurance contract, GG Planet, whose condtions are presented in the Contract individual life insurance policy denominated in euros and/or in units of account and/or in commitments commitments giving rise to a diversification provision available in the application the application at the time of contract subscription and in the account holder's space.

3. DEFINITIONS

Unless otherwise indicated, words and expressions beginning with a capital letter in these terms of use, whether singular or plural, masculine or feminine, shall have the meaning ascribed to them in appendix 1 hereof.

4. CONTRACTUAL SCOPE

The contract binding the Account Holder and the Company consists of (i) these Green-Got general terms and conditions (the "GGG GG"), which may be accessed at any time via the Site or the Application, and (ii) the opening file comprising all the information and documents sent by the Account Holder when the account is opened.

The Account Holder is also subject to the Agreement relating to the Account and the prepaid debit card Green-Got issued by PPS EU (the "PPS GG GTCs" attached hereto, which together with the GTCs constitute the "General Terms and Conditions"), relating to the Account and the Card, which form an indivisible whole with the GTCs, and which are also accessible at any time via the Site or the Application.

The General Terms and Conditions are available at any time on the Site at the following address: https://green-got.com/conditions-generales.

5. FORMATION OF CONTRACT

5.1. ACCEPTANCE OF CG GG

The General Terms and Conditions apply exclusively between the Company, PPS EU and any subscriber to the Services.

All Holders are invited to read this document carefully, as it has contractual value and constitutes a legally binding agreement between them and the Company in the event of subscription to the Services.

The Services offered by Green-Got are exclusively reserved for Cardholders, to the exclusion of all other persons.

Any use of the Services automatically implies the application and full acceptance of the GG CG, in their version in force at the date of use.

5.2. MODIFICATION OF GG TERMS

The Company updates the features and functionalities of the Site, the Application and the Services to ensure their operation and quality.

The Company may unilaterally and without prior notice modify the GTC in line with technical developments, provided that this does not result in an increase in price or a deterioration in quality, and that the characteristics to which the Holder has made his or her commitment conditional have been included in the present GTC.

In the event of modifications to the GTC which are not related to technical developments, the Company will send the Customer, within a reasonable period of time, and at the latest 10 days before the modifications come into force, a notification including a summary of the changes and mentioning the Customer's right to refuse the modifications.

Account Holders may object to the new version of the GTC within 30 days of receipt of the notification. At the end of this period, the changes will be deemed to have been accepted. Refusal of the modifications by the Holder automatically terminates the GTC, so that the Holder must immediately stop using the Site, the Application and the Services.

The most recent version of the GTC cancels and replaces all previous versions.

6. PURPOSE OF THE GG

The purpose of the CG GG is (i) to determine the conditions of access and subscription to the Services and (ii) to govern the relationship between any Cardholder and Green-Got, with a view to the opening and provision, via PPS EU, of the Account, the Card and the Services attached to the Account.

7. PRESENTATION OF GREEN-GOT SERVICES

As part of its offer, Green-Got provides the following Services to each Account Holder. These services may be modified by the Company at any time.

7.1. ACCOUNTS

The Accounts are personal or joint payment accounts in euros with no overdraft facility and are issued by PPS EU.

Please refer to the PPS GG for details of how to use your Account.

7.2. PAYMENT SERVICES

7.2.1. Bank transfers (SEPA)

Please refer to CG PPS GG for further details.

7.2.2. Card

The Card is a prepaid Mastercard debit card issued by PPS EU in accordance with the PPS GG.

Please refer to the PPS GG for further details on the use of the Card.

7.2.3. Beneficiary Verification

In the context of payment service provision, Green-Got provides a Beneficiary Verification system, consisting of comparing information about the beneficiary of a transfer order provided by the user with data available from the institution holding the beneficiary account.

  1. Beneficiary Verification is intended to inform the user in case of discrepancy between the communicated name and the actual holder of the beneficiary account. It does not constitute in any way a guarantee as to the identity of the beneficiary or the validity of the payment operation.
  2. The user remains solely responsible for the accuracy, completeness and updating of information transmitted concerning the transfer beneficiary.
  3. In case of divergence alert, it is exclusively up to the user to decide whether to maintain, modify or cancel their transfer order.
  4. Green-Got assumes no responsibility in case of fraud, error, identity theft or misuse of payment coordinates communicated by the user.
  5. Beneficiary Verification does not exempt the user from carrying out their own due diligence and preliminary verifications, particularly in matters of fraud and scam prevention.

7.2.4. Other services

Green-Got reserves the right to offer any other service deemed useful, according to the functionalities and technical means deemed most appropriate to make said services functional, in particular depending on the offer chosen, the Holder of an Essential or Premium account will benefit from insurances and guarantees.

The various insurances and guarantees are presented in the appendix.

In addition Green-Got reserves the right to offer Partner Benefits (discounts, promo codes, cash-back, privileged access etc…) to Premium Account Holders and Co-Holders.

These various advantages are presented on the website and the Application and may change at any time. They do not constitute a contractual element, and the addition or withdrawal of Partner Benefits may be made at any time without modification of these Terms and Conditions, and may not constitute a breach of contract.

7.3. OTHER OPERATIONS

In the event of seizure of the Account by an administration or any other creditor with a writ of execution, Green-Got will inform the creditor, in accordance with the legal provisions in force, of the balance of the Account and will block the latter for a period of 15 days, it being specified that Green-Got will have the possibility of blocking the Account only up to the amount seized and the related fees.

In the event of seizure of the Account, Green-Got shall inform the Account Holder and shall have the right to charge any intervention fees.

The Account Holder has the right to contest the seizure carried out in accordance with legal provisions.

7.4. IMPACT DASHBOARD

The Services also include an Impact functionality. This feature is accessible directly from the application and enables the Account Holder to track the environmental impact of his/her Account.

7.5. Rounded payments for donations

7.5.1. Terms and conditions of use

The Services made available to the Cardholder by Green-Got also include the possibility for the Cardholder to make a donation to an association when making any payment using the Card (the "Rounded Payment"). For the Cardholder, Rounded Payment involves rounding up the amount of payments made with the Card to the nearest euro. By using the Rounded Payment, the Cardholder authorizes Green-Got to deduct the donation from the payment made with the Card, and to transfer it to the association chosen by the Cardholder (the "Association").

All Cardholders may use the Rounded Payment option if they expressly request it via the Application by selecting the box "[Activate rounded payment]" in their personal space. On the other hand, a Rounded Payment cannot be made without an express request from the Cardholder, materialized by the selection of this box.

Once the box has been selected, the Account Holder must enter a limit for the monthly amount of the rounding-off payments to be donated. The Account Holder must then choose an Association from among those proposed to make a donation.

Once the Cardholder has indicated that he/she wishes to use Rounded Payment, the amount of transactions carried out via the Card will automatically be rounded up to the nearest euro. The rounding amount will be visible on the Account via the Application, but will not be visible on the electronic payment terminal.

The Cardholder may thus round up to the nearest euro: the maximum "rounded-up" donation is then 0.99 euro, and the minimum donation is 0.01 euro. For example, if the amount of the basket is 11.34 euros, it is rounded up to 12 euros, i.e. a donation of 66 euro cents. If the payment subtotal is round before the donation, the rounding is considered null and void.

Donations made by the Cardholder are paid out by Green-Got, which is responsible for redistributing them every 3 months to the beneficiary Association.

8 CONDITIONS OF ACCESS AND TERMS OF SUBSCRIPTION AND OPERATION OF SERVICES

8.1 CONDITIONS OF ACCESS TO SERVICES

Access to the Services requires, in addition to acceptance of the General Terms and Conditions, compliance by the Customer with the following conditions:

In the case of Personal Use of the Account :

In the case of Professional Use of the Account :

Failure to comply with any of the above conditions entitles the Company to suspend the Account and the Card and to terminate the General Terms and Conditions by simple notification to the Cardholder.

8.2. SUBSCRIPTION CONDITIONS AND OPERATION OF SERVICES

Subscription to the Services is via the mobile application Green-Got (the "Application"), available on the AppStore or PlayStore, to be downloaded via your cell phone.

By subscribing to the Services via the Green-Got Application, the Holder agrees:

To this end, the Account Holder undertakes to :

At the end of the registration process, the registration file will be processed and analyzed by Green-Got. If the registration file is accepted and validated by Green-Got, the Account will then be created and activated and the Card ordered and sent to the address mentioned by the Holder.

Once the Account has been created and activated, the Account Holder may fund it by bank transfer for final validation.

In the event of total or partial modification of the information requested when creating the Account, the Account Holder must update it as soon as possible via the Application.

Green-Got reserves the right to request any additional elements deemed necessary to reinforce the customer's knowledge, and to proceed with the validation of the registration file.

The Account Holder is informed that Green-Got and PPS EU may accept or refuse to open an Account, without any compensation or reason for a possible refusal.

8.3. ACCESS TO THE ACCOUNT

Access to the Account will be exclusively through the Application;

The Application is available on the Play Store and App Store, which require the use of a username and password specific to the Account Holder.

Use of the Application requires a smartphone connected to the Internet.

The Company will not be held responsible for any difficulties in downloading the Application from the Play Store or App Store for external reasons.

In order to secure access to the Account and the operations that can be carried out via the Application, the Account Holder must enter his/her login and a password. The Account Holder must also create, via the Application, a security code necessary to carry out certain operations.

The Customer is hereby informed that his/her login, password and security code are personal and confidential. They may only be changed at the Holder's request. The Account Holder undertakes to make every effort to keep them secret and not to divulge them in any form whatsoever to a third party.

The Account Holder is entirely responsible for the use and safekeeping of the password and security code.

In general, the Account Holder is solely responsible for the equipment used to connect to the Account and for the security of this equipment.

In the event that the Account Holder becomes aware of fraudulent access to the Account or fraudulent use of the Card using his/her login and/or password and/or security code, he/she undertakes to inform the Company without delay, so that the Company can suspend the Account, the Card and/or the login and password and/or security code concerned, and reset them.

8.4. ACCOUNT OPERATION

8.4.1. Account loading

Please refer to the CG PPS GG for further details.

8.4.2. Use of Account and Card

The number of transactions on the Account and via the Card is unlimited, subject to permanent replenishment of the Account and the contractual limitations set out in the CG PPS GG.

The Cardholder undertakes not to use the Account and the Card for any purpose that is contrary to current legal provisions, in particular for money laundering or any other purpose that is illegal or contrary to the General Terms and Conditions.

8.4.3 Joint Account

By opening and using this Joint Account, the Account Holders (hereinafter referred to as "Joint Account Holders") agree to abide by these GCU.

Two or more Co-Titulars may subscribe to a joint account in which they will share one and the same IBAN. Green-Got reserves the right to refuse the opening of a Joint Account if the number of Co-Titulars is deemed too large.

The same eligibility conditions as for the Account Holder apply to Co-Titulars.

Each Joint Account Holder may operate the Account without the assistance of the other(s), and may therefore freely, on his or her signature alone, have a Card issued to him or her for use on the Joint Account.

Only the Primary Joint Account Holder may invite, revoke an invitation, delete a Joint Account Holder or close the account.

With the exception of these actions the Co-Principal Account Holder and the other Co-Account Holders have the same rights and duties with regard to the Account and Green-Got.

Joint and several liability: The Co-Holder is jointly and severally liable for transactions carried out on the Account. In the event of non-compliance with the CGUs, the main Co-account holder, i.e. the one who opened the joint account, will be designated as responsible for violations of these CGUs. He/she therefore assumes increased responsibility for ensuring that the Account is managed prudently and in compliance with the GTUs.

The Joint Account Holders are jointly and severally liable to each other for the performance of any commitments made by any of them, and for the repayment of any sums due to Green-Got.

8.5. AVAILABILITY OF THE ACCOUNT AND SERVICES

Green-Got will use its best efforts to provide continuous access to the Account and other Services.

By way of derogation, Green-Got reserves the right to temporarily suspend the Application at any time in order to update it or to perform any maintenance operation, without this temporary suspension of the Services engaging its liability.

In order to limit inconvenience to Registrants, Green-Got will inform them in advance of any maintenance operation.

8.6. ACCESS TO GG PLANET

Access to the Application makes it possible to subscribe to a GG Planet life insurance contract. The General Terms and Conditions of use of the GG Planet life insurance contract apply to all GG Planet subscriptions.

The Account cannot be closed for 3 months from the date of validation of your GG Planet life insurance contract.

9. RATES

Unless otherwise stipulated, the opening of the Account, the obtaining of the Card and access to the other Services are invoiced on the first day of the subscription period.

Payment covers the entire period chosen (one month or one year) and enables the Account Holder or Co-Account Holder to benefit from the advantages associated with the Essential or Premium Accounts for the entire period.

If, on the date of payment, the Account Holder or Co-Account Holder does not have sufficient funds to cover the subscription, the Account is blocked, no payment can be made, and the associated insurance and guarantees are suspended until the situation is regularized.

Green-Got reserves the right to take any action necessary to collect amounts owed by the Account Holder or Co-Account Holder, in particular if the Account Holder or Co-Account Holder has several Accounts, the balance of a debit Account may be regularized with funds available on another Green-Got Account opened by the Account Holder or Co-Account Holder.

Other charges (in particular charges for withdrawals in excess of the limit proposed each month) will be deducted immediately after the corresponding transaction has been carried out.

The complete price list is set out in the CG PPS GG. In the event of a change to the current price list, the Company will inform the Cardholder and publish an updated price guide on the Site and Application.

All chargeable Services, in particular those which may be offered by the Company's partners, are expressly mentioned at the time of subscription.

10. SUSPENSION AND TERMINATION OF ACCESS TO SERVICES

10.1. TERMINATION OF ACCOUNT AND ASSOCIATED SERVICES

10.1.1. Termination by any Account holder

The Services offered by Green-Got are offered for an indefinite period. Any Account Holder has the right to close it and, more generally, to terminate the Services directly from the Application.

Before making the request to close the Account, it is the responsibility of the Account Holder to:

In the event of closure of the Account by the Account Holder, Green-Got will acknowledge the termination within seven (7) working days of receipt of the request from the Application.

Closure of the Account automatically and ipso jure leads to inactivity of the Card without any further formality.

10.1.2. Termination or suspension by Green-Got

Green-Got also has the right to terminate or suspend any Account:

The choice between termination and suspension rests with the Company.

In the event of termination of the Account at the initiative of Green-Got, Green-Got will invite the Account Holder to transmit the details of another account in order to transfer the credit balance of the Account, which will be returned to the Holder at the end of a maximum period of thirty (30) working days following receipt of the Holder's reply, by bank transfer.

In the event of suspension, the Account may be reactivated at the request of the Account Holder within fifteen days of suspension, provided that the cause of suspension has been resolved.

The death of the Cardholder automatically entails immediate suspension of the Card and Account, and closure within thirty days of transfer of the balance to the notary in charge of the estate.

10.2. INACTIVE ACCOUNT

In accordance with the provisions of article L. 312-19 of the French Monetary and Financial Code, Green-Got establishes, on behalf of PPS EU, an annual list of Accounts opened by Account Holders who have become inactive.

An Account is considered inactive:

In the event of an inactive Account, Green-Got will inform the Account Holder or his/her known heirs, in the name and on behalf of PPS EU, by any means at its disposal and will inform them of the consequences attached thereto, in particular as to the fate of the funds, which will be transferred to the Caisse des Dépôts et Consignations within the legal and regulatory time limits.

In addition to the aforementioned transfer, Green-Got also has the option of suspending the Card with immediate effect as soon as the Account becomes inactive. In such a situation, the Card may be reactivated by the Cardholder by contacting the Company.

11. GUARANTEES AND LIABILITY

11.1. PRINCIPLE

Green-Got uses its best efforts to make the Application available at all times, all year round.

Green-Got is subject to an obligation of means in respect of the Services offered, to the exclusion of any obligation of result.

11.2. LIMITATIONS OF LIABILITY

The following stipulations are valid only if the Holder is a professional within the meaning of the French Consumer Code.

Green-Got does not guarantee the availability of the Application to Cardholders and will not be liable in the event of suspension, interruption, difficulties in accessing or unavailability of the Application or malfunction of the Account and/or Card which would be corrected in a timely manner.

Green-Got also declines all responsibility in the event of loss of data, the appearance of computer bugs or any damage resulting from fraudulent intrusion by a third party on the Application, themselves resulting from a fault or negligence, voluntary or involuntary, on the part of a third party.

As an express condition of Green-Got's consent, its liability to any Registrant shall not exceed the disputed transactions on such Registrant's Account during the last thirteen (13) months prior to such Registrant incurring liability.

In any event, Green-Got shall not be liable for any consequential damages caused to any Registrant, however caused.

Green-Got is also not responsible for the commercial offers of its partners and the consequences attached to them or arising from them for the Holders who have accepted them.

11.3. RESPONSIBILITY OF THE HOLDER

All Registrants are solely responsible for the confidentiality of their logins and passwords and/or any use they make of the Application and the consequences arising therefrom.

Holders shall refrain from damaging the Application in any way whatsoever, and from using it in a manner that is not consistent with its purpose.

The Account Holder is solely responsible for the information provided to the Company and for updating it, if necessary.

The Account Holder guarantees the Company against any action by a third party resulting from a breach of these GTC GG, which the Account Holder undertakes to respect.

The following stipulations only apply if the Holder is a consumer within the meaning of the French Consumer Code.
The consumer has a period of two years from the date of supply of the digital content or service in which to invoke the legal warranty of conformity in the event of a lack of conformity. During a period of one year from the date of supply, the consumer is only required to establish the existence of the lack of conformity and not the date of its appearance.

The legal warranty of conformity entails the obligation to provide all updates necessary to maintain the conformity of the digital content or digital service.

The legal warranty of conformity entitles the consumer to have the digital content or digital service brought into conformity without undue delay following his request, at no cost and without major inconvenience to him.

The consumer may obtain a price reduction by keeping the digital content or digital service, or he may terminate the contract by obtaining a full refund against relinquishment of the digital content or digital service, if :

1° The professional refuses to bring the digital content or digital service into conformity;

2° Bringing the digital content or digital service into conformity is unjustifiably delayed;

3° Bringing the digital content or digital service into conformity cannot take place without costs imposed on the consumer;

4° Bringing the digital content or service into conformity causes major inconvenience to the consumer;

5° The digital content or service remains non-compliant despite the trader's unsuccessful attempt to bring it into conformity.

The consumer is also entitled to a price reduction or rescission of the contract where the lack of conformity is so serious as to justify an immediate price reduction or rescission of the contract. In such cases, the consumer is not required to ask for the digital content or service to be brought into conformity beforehand.

In cases where the lack of conformity is minor, the consumer is only entitled to have the contract rescinded if the contract does not provide for the payment of a price.

Any period of unavailability of the digital content or digital service for the purpose of bringing it back into conformity suspends the warranty that remained until the digital content or digital service was supplied in conformity again.

The rights mentioned above result from the application of articles L. 224-25-1 to L. 224-25-31 of the French Consumer Code.

Any professional who obstructs the implementation of the legal guarantee of conformity in bad faith is liable to a civil fine of up to 300,000 euros, which may be increased to 10% of average annual sales (article L. 242-18-1 of the French Consumer Code).

In addition, the consumer benefits from the legal warranty against hidden defects pursuant to articles 1641 to 1649 of the French Civil Code, for a period of two years from the discovery of the defect. This warranty entitles the consumer to a price reduction if the digital content or service is retained, or to a full refund in exchange for renouncing the digital content or service.

12. RETRACTION

The following stipulations only apply if the Holder is a consumer within the meaning of the French Consumer Code.

Upon subscription to the Services, all Cardholders benefit, in accordance with the applicable legal provisions, from a right of withdrawal which may be exercised within 14 days, without charge or penalty of any kind. For this purpose, the Customer may use the standard form in [appendix 2] (#appendix-2--shrinkage-form) of the GG.

Services may not commence until the expiry of this period, unless the Holder requests immediate execution of the Services, in which case he/she will lose his/her right of withdrawal.

Any use of the right of withdrawal by a Customer automatically entails termination of the General Terms and Conditions with the Company, with immediate effect.

All withdrawal requests must be accompanied by a bank statement to enable the Company to transfer the balance of the Account, after deduction of any benefits enjoyed by the withdrawing Account holder, which are automatically cancelled as a result of the withdrawal.

13. INTELLECTUAL PROPERTY RIGHTS

All intellectual property rights belonging to the Company or PPS EU remain their exclusive property.

The Green-Got trademark, its logo, its Application, any associated documentation and all documents made available to the Registrant by Green-Got are original works and constitute protected intellectual property rights which are and remain the full and exclusive property of Green-Got.

Green-Got grants the Holder a personal, non-exclusive, non-assignable and non-transferable right to use the Application for the duration of the Agreement.

The right of use shall be understood as the right to implement and use the Application with respect to the Holder, in accordance with its purpose. Any use of the Application for other purposes is prohibited, including but not limited to any adaptation, modification, translation, arrangement or distribution.

14. PERSONAL DATA

Green-Got undertakes to process all Personal Data of any Registrant to which it has access in connection with the performance hereof in compliance with the regulations in force applicable to the processing of personal data and the protection of privacy, and in particular the provisions of the French Data Protection Act (Law 78-17 of January 6, 1978 as amended) and the General Data Protection Regulation (Regulation 2016/679 of April 27, 2016).

In this context, Green-Got undertakes to:

Any Holder is informed by Green-Got that it has the rights provided for by the Data law, in particular the right of access, rectification, erasure, opposition, the right to limit processing, the right to portability of Data and the right not to be the subject of an automated individual decision, by sending a written communication to the following e-mail address: support@Green- Got.com, specifying the reference.

The Holder may also contact the Company at any time to request a copy of his or her Data, and may be asked to provide a copy of a national identity document or equivalent (passport, identity card) to prove his or her identity.

The conditions under which these processes are implemented are described in the Personal Data Protection Policy (at the following address: https://green.got.com/politique-de-confidentialite

All Holders are also informed that if they consider that their rights have not been respected, they have the right to lodge a complaint with the CNIL.

15. SECRECY OF INFORMATION

In its capacity as agent of a Payment Services provider, Green-Got is bound by professional secrecy and undertakes not to disclose banking information belonging to the Cardholder, including Data, which it may receive in the course of performing the General Terms and Conditions.

The Cardholder also expressly authorizes PPS EU to transmit to Green-Got any Account and Card information, without any limitation, and notwithstanding the legal provisions on banking secrecy to which the Cardholder, where applicable, expressly waives with respect to < and its agents (legal representatives and employees), for the sole purpose of executing the General Terms and Conditions.

The Cardholder authorizes the Company to transmit any information on the Account and the Card to any administrative or judicial authority having a right of access to such information under applicable legal and regulatory provisions.

16. DURATION

The General Terms and Conditions come into force on acceptance by the Cardholder for an indefinite period.

17. GENERAL PROVISIONS

17.1. PROOF

Proof of acts and transactions ordered and/or carried out by any Registrant may be validly produced by means of the systems set up or used by Green-Got, which Registrants expressly and irrevocably accept.

Proof may result in particular from any recording or any electronic or digital medium constituting a reliable, integral and historical reproduction of the data kept by the Company.

17.2. INDEPENDENCE OF CLAUSES

The nullity, illegality or inapplicability of a clause of the GTC GG shall not entail the nullity, illegality or inapplicability of the other clauses.

In the event that a clause is invalid, illegal or inapplicable, the parties will replace it with new valid, legal or applicable provisions which will have an effect as close as possible to that of the invalid, illegal or inapplicable clause.

17.3. FORCE MAJEURE

Neither party shall be liable for non-performance or delay in performance of its obligations if such delay or non-performance results from an event of force majeure, as defined by case law.

In the event that the Company intends to invoke a case of force majeure, it must inform all Licensees in advance, in writing, no later than five (5) calendar days following the occurrence of the event invoked.

In any event, in the event of force majeure, each party will endeavor to minimize the effects of said force majeure.

17.4. COMPLAINTS AND MEDIATION

17.4.1. Complaints

Any complaint relating to the application or services offered by the Company may be addressed by any Cardholder to the Company, by mail addressed to the registered office or by e-mail to Customer Service (support@Green-Got.com).

In accordance with the provisions of article L.133-45 of the French Monetary and Financial Code, Green-Got undertakes to respond within a maximum of fifteen (15) days from receipt of the complaint.

The Company and any person making a claim will do their best to find an amicable solution.

However, if additional time is required, Green-Got will send the Registrant a holding reply motivating the additional time required and specifying the deadline by which the Registrant will receive a definitive response. In any event, the Company will send a definitive response to the Holder no later than thirty-five (35) working days following receipt of the claim.

17.4.2. Mediation

Failing agreement between the Customer and the Company, the Customer, if a consumer within the meaning of the French Consumer Code, may have recourse to the services of the mediator named below, appointed by the Company.

To this end, any person who has lodged a complaint may refer the matter to the Paris Mediation and Arbitration Centre (CMAP):

The mediator will endeavor to find an amicable solution between the parties. If no solution is found within 90 days of referral to the mediator, each party will regain full procedural freedom.

The Customer may also use the European online platform for out-of-court dispute settlement:https://ec.europa.eu/consumers/odr/main/?event=main.home.selfTest.

18. APPLICABLE LAW - JURISDICTION

18.1. APPLICABLE LAW

These GCS and all documents arising therefrom between the Company and any Cardholder shall be governed by and construed in accordance with French law.

18.2. JURISDICTIONAL COMPETENCE

Any dispute relating to the validity, interpretation or performance of this agreement shall be submitted to the competent French courts.

If the Holder is a professional within the meaning of the French Consumer Code, the parties shall endeavor to resolve any disputes arising between them amicably. In the absence of amicable settlement, any dispute relating to the GG Terms and Conditions, in particular their formation, validity, performance, interpretation, expiry or termination, shall be submitted to the judgment of the Commercial Court of Nanterre, to which jurisdiction is expressly assigned, notwithstanding third-party appeals or multiple defendants.

APPENDIX 1 - DEFINITIONS
Partner Advantage means any element of the Essential or Premium Account offering discounts, cashback, privileged access or other benefits at Green-Got partner merchants.
The Apple Store or App Store refers to the application store distributed by Apple on cell phones running iOS, it being specified that access to this application store is itself subject to Apple's contractual provisions, which the Cardholder declares that he/she is aware of and has accepted by downloading the Application.
Application has the meaning given to it in article 8.2.1 of the GG. The mobile application, i.e. the Company's mobile application downloadable from the Google Play Store or Apple Store, enables you to benefit from the Services and consult the Account balance, track transactions on the Account and the Card, receive any notifications and place orders for certain Payment Transactions (transfers, direct debits, etc.).
Card has the meaning given to it in article 2 of the CG GG.
CG GG has the meaning given to it in article 4 of the CG GG.
CG PPS GG has the meaning given to it in article 4 of the CG GG.
CG PPS GG has the meaning given to it in article 4 of the CG GG.
General Conditions has the meaning given to it in article 4 of the CG GG.
Account has the meaning given to it in article 2 of the GTC.
Essential Account or Essential Account Corresponds to the Account as defined in the Appendix to the Essential Account Article.
Premium Account Corresponds to the Account as defined in the Appendix to the Premium Account article.
Personal data or Data means any information relating to an identified or identifiable natural person (hereinafter referred to as the "data subject"); an "identifiable natural person" is one who can be identified, directly or indirectly, in particular by reference to an identifier, such as a name, an identification number, location data, an online identifier, or to one or more factors specific to his or her physical, physiological, genetic, mental, economic, cultural or social identity.
Personal data means any information relating to an identified or identifiable natural person (hereinafter referred to as the "data subject").
Payment Transaction means, in accordance with the provisions of Article L. 133-3 of the French Monetary and Financial Code, any action consisting of a payment, transfer or withdrawal of funds, regardless of any underlying obligation between the payer and the payee, initiated by the payer, or on behalf of the payer's company.
Play Store means the application store distributed by Google on mobile devices running Android, it being specified that access to this application store is itself subject to Google's contractual provisions, which the Holder declares that he/she is aware of and has accepted by downloading the Application.
PPS UE has the meaning given to it in article 1 of the present GG.
Service means the services offered by the Company on its Site and/or via its Application as described in article 7, including opening and accessing the Account and providing the Card.
Payment Services means the payment services provided by PPS EU to the Cardholder via the Application, as defined by article L. 314-1 II of the French Monetary and Financial Code.
Site has the meaning given to it in article 1 of these GTC.
Holder means the natural person who has subscribed to the Services.
Green-Got has the meaning given to it in article 1 of these GTC.
Black List North Korea, Iran, Ethiopia, Iraq, Serbia, Sri Lanka, Syria, Trinidad and Tobago, Tunisia, Vanuatu, Yemen, Afghanistan, Bosnia-Herzegovina, Laos, Guyana and Uganda.
List of accepted identity documents National identity card from a member state of the European Union, French passport or residence permit.
Personal use means use whose economic purpose is not related to a commercial, industrial, craft or liberal activity of a micro-business or a company of the Holder.
Professional use means a use whose economic purpose is directly linked to a commercial, industrial, craft or liberal activity of a micro-enterprise of the Owner.
List of prohibited activities Casinos, gambling and sports betting; sale of weapons; activities related to the extraction, processing or sale of fossil fuels or other energy sources; auction sales; any financial activity not covered by the s, including crypto-currencies; sale of tobacco; sale of mobile phones; any illegal activity.

APPENDIX 2: STANDARD WITHDRAWAL FORM

DOMINO, 20bis, rue Louis-Philippe - 92200 Neuilly-Sur-Seine, France

I hereby notify you of my withdrawal from the contract for the provision of the following services and sale of goods:

Ordered on ........................ and received on: ........................

Consumer's name: ........................

Consumer's address: ........................

Consumer's signature:

Date : ........................

APPENDIX 3: Essential Account

The Essential Account is one of the two Green-Got Account offers, the fees and services of which are presented in section 11 of the PPS GG GTCs and the associated insurance and guarantees are presented in the INFORMATION NOTICE ON CARD INSURANCE GUARANTEES ASSOCIATED WITH THE ESSENTIAL ACCOUNT.

APPENDIX 4: Premium Account

The Premium Account is one of the two Green-Got Account offers, the fees and services of which are presented in section 11 of the PPS GG GCs, and the associated insurances and guarantees are presented in the INFORMATION NOTICE ON CARD INSURANCE GUARANTEES ASSOCIATED WITH THE PREMIUM ACCOUNT.

Terms and conditions: Agreement on Green-Got account and prepaid debit card

Applicable from 25/10/2025

Green-Got account and prepaid card agreement

Important information you need to know

Please read this agreement carefully before using your account, activating your card or using any of our services. This information constitutes the agreement for your account issued by PPS EU, including associated payment services and any card(s) issued by PPS EU. By confirming that you accept the terms of this agreement, or by using your account or activating your card and/or using our services, you accept this agreement. If you do not understand anything, please contact Customer Service using the contact details set out in paragraph 20 of this Agreement.

1. DEFINITIONS

Account Information Service - An online service that provides consolidated information about the accounts you hold with one or more payment service providers such as banks.

Account information service provider - A third-party payment service provider that is authorized by its regulator to provide account information services with your explicit consent or that of the account manager and under a separate agreement that you have signed with it.

Agreement - This Agreement as amended from time to time.

Account - The payment account associated with your Card.

Account Details - All details relating to your account, including but not limited to sort code and account number.

**Account Holder - You, the person entering into this Agreement with us.

Account Limits - Maximum limits relating to the Account, such as maximum Account balance and reload limits, as set out in paragraph 2.

Account Management Portal - A mobile application or online portal that provides access to the Account provided to you by the Customer.

Maximum Account Balance - The maximum balance you can have on your account, as stated in paragraph 2.

ATM - Automated Teller Machine.

Authorized Third-Party Provider - Includes Account Information Service Provider and/or Payment Initiation Service Provider.

Available Balance - The value of funds available for use.

Card - Any prepaid customer Mastercard associated with your account, including any additional cards and digital cards, if applicable.

Card number - The 16-digit number on the front of your card.

Customer - means Domino, operating as Green-Got, a company registered in France (under number 883 981 763) and whose registered office is located at 20bis Rue Louis-Philippe, 92200 Neuilly-Sur-Seine, France. The customer is an agent of PPS EU, acting in the name and on behalf of PPS EU.

Contactless - A payment function that allows you to pay by tapping the card on the reader of a point-of-sale terminal for transactions up to €50 (as amended from time to time). Customer Services - The contact center for dealing with questions relating to your card. Customer service contact details are given in paragraph 20.

Digital card - A computerized visual image of your card, also known as a virtual card. EEE - The European Economic Area, which currently includes all European Union countries plus Iceland, Norway and Liechtenstein.

IBAN - Details of the account for receiving incoming SEPA payments and sending outgoing SEPA payments.

Customer Terms and Conditions - The terms and conditions between you, the customer and PPS EU regarding the services provided to you by the customer.

Information - means any personal information about you, such as, but not limited to, your name, address and date of birth.

Total Deductible Amount - The total amount of the transaction, including the transaction itself and all associated fees, charges and taxes.

Limits - Maximum limits for your account and card, such as the maximum account balance and transaction limits referred to in paragraph 2.

Mastercard Acceptance Mark - The mark of Mastercard International Incorporated, indicating card acceptance.

Mastercard - Mastercard International Incorporated, headquartered at 2000 Purchase Street, Purchase, New York, 10577-2509 USA. Mastercard is a registered trademark of Mastercard International Incorporated.

Merchant - A retailer, or any other person, firm or corporation that accepts cards bearing the Mastercard acceptance mark.

Payment Initiation Services - An online service that accesses the master account to initiate the transfer of funds on your behalf.

Payment initiation service provider - A third-party payment service provider that is authorized by its regulator to provide payment initiation services with your explicit consent or that of the account manager and under a separate contract that you have signed with it.

Payment instruction - An instruction from you to make a payment to or from your account.

Payment details - The details you provide to allow funds to be received into your account or the details you provide to send funds from your account.

PIN - A four-digit personal identification number to be used with your card.

Cashless - Refers to transactions that include, but are not limited to, the purchase of traveler's cheques, lottery tickets, casino gaming chips, money orders, deposits and wire transfers.

Regulator - Means the National Bank of Belgium in Belgium or another European financial services regulator (as the case may be).

SEPA Payment - is a transfer in euros debiting an account in euros and crediting another account in euros in the SEPA zone.

Strong customer authentication - means additional security measures to verify that you have authorized certain transactions or other actions related to the use of your card and/or account;

Verification of payee service – for all SEPA payments, the verification of the match between the payee’s name as indicated by the Account Holder and the provided IBAN, under the terms and conditions described in section 7.13.

we, us, our or PPS EU - PPS EU SA, a company registered in Belgium (under company number 0712.775.202) with its registered office at Boulevard du Souverain 165/9, 1160 Brussels, Belgium. PPS EU is licensed and regulated by the National Bank of Belgium as an electronic money institution, authorized to issue electronic money and provide payment services**.

Website - https://green-got.com

Business days - Our business days are Monday to Friday but do not include public holidays.

you, your - the account holder.

2. ACCOUNT LIMITS

In the case of Personal Use
Maximum account balance 100,000€
Maximum charge per day 40,000€*
Maximum charge per year 300,000€*
Money withdrawal at ATM Per day 500€
Money withdrawal at ATM Per month 1,500€
Card expenses By Txn 5,000€
Per month 15,000€

*Subject to maximum account balance

In the case of Professional Use
Maximum account balance 100,000€
Maximum charge per day 40,000€*
Maximum charge per year 300,000€*
Money withdrawal at ATM Per day 500€
Money withdrawal at ATM Per month 1,500€
Card expenses By Txn €10,000
Per month €30,000

*Subject to maximum account balance

3. SCOPE OF THIS AGREEMENT

  1. This Agreement is entered into for an indefinite period until terminated by you, Green-Got or us in accordance with the provisions of paragraph 15 of this Agreement.

  2. The Account is a euro payment account, issued by PPS EU, and distributed and managed by Green- Got as agent of PPS EU.

  3. All cards are issued by us in accordance with our Mastercard license. Mastercard is a registered trademark, and the design of the circles is a trademark of Mastercard International Incorporated. Your card remains the property of PPS EU.

  4. Your rights and obligations with respect to the use of your Account and Card are as set forth in this Agreement between you, Green-Got and us; you have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using your Account and/or Card, you should contact Customer Service.

  5. This agreement is written and available in English and French and we undertake to communicate with you in English or French regarding any aspect of your account and card.

  6. You agree that we may communicate with you by e-mail and/or SMS and/or via Account Management Portal notifications to issue notices or information regarding your account and it is therefore important that you ensure that you keep your e-mail address and cell phone number up to date via the Account Management Portal.

  7. If you wish to use services provided by an authorized third-party supplier on your account, we advise you to ensure that the authorized third-party supplier is authorized by a regulator to provide its services. You must give your explicit consent or share your account management portal credentials with the authorized third-party provider whenever access to your account is required for them to provide their services to you. You must always consider the consequences of sharing your Account Management Portal credentials and any personal information.

  8. If an authorized third-party provider requests access to your account to provide its services to you using your Account Management Portal credentials, we will assume that you have consented. Please note that we are obliged to provide access to your account if requested by an authorized third-party supplier and that we can only refuse access in certain circumstances.

  9. If you do not wish to use the services provided by an authorized third-party supplier on your account, simply withhold your consent or refuse to share your account management portal credentials with an authorized third-party supplier.

4. APPLYING FOR AND REGISTERING YOUR ACCOUNT

  1. To apply for or have an account, you must be at least 18 years old, reside in France and not be a citizen of an unauthorized country. The list of unauthorized countries is available in the appendix.

  2. If we are unable to satisfactorily verify your identity and address from the information you provided when you applied for or registered an account, we will reject your application.

  3. We will register your account for you on the basis of the information you have provided. You must provide accurate information and inform us of any changes to your information as soon as possible so that our records remain accurate.

  4. To use the account, you must log in to the account management portal.

5. RECEIVING AND ACTIVATING A CARD

  1. Your card will be mailed to your personal address.

  2. You will need to activate your card via the account management portal before using it.

  3. Once the card has been activated, you can view the PIN code via the account management portal.

  4. You must not reveal your PIN code to a third party.

6. USING YOUR CARD

  1. Your card can be used at any merchant to make purchases in-store, over the Internet or by telephone, and can be used to obtain cash from ATMs (fees apply, see paragraph 12). You can also make online and telephone purchases using your digital card. You can authorize a card transaction at any merchant by entering the PIN or another security code. If the merchant does not accept chip and PIN authorization, they may allow you to authorize the transaction by signing the receipt. A transaction can also be authorized by tapping the card against a contactless reader. We may refuse to execute a transaction if it is illegal or fraudulent, or if you do not have a sufficient available balance. We will consider transactions to be authorized and authentic if:

    1. the Card is presented to and accepted by a contactless reader. You can carry out 5 consecutive contactless transactions, after which any contactless transaction will be refused and you will be asked to enter your PIN code to authorize the transaction;
    2. the card PIN or any other personal security code is used;
    3. the card is used and you have authorized the transaction by signing the receipt;
    4. digital card details have been used;
    5. a transaction has been authorized from the account management portal.

  2. Once you have authorized a transaction, you will not be able to withdraw your consent to the transaction.

  3. The card is a prepaid card, which means that the available balance will be reduced by the total amount of each transaction and authorization, plus all applicable taxes and fees, including ATM surcharges, if any. You must not use the card if the total deductible amount exceeds the available balance.

  4. The Card may be used to make transactions in a currency other than the Euro ("foreign currency transaction"), the amount deducted from your Card will be converted into Euro on the day we receive details of that foreign currency transaction. We will use a rate set by Mastercard, which will be available each business day, and changes to the exchange rate will take effect immediately. Exchange rates can fluctuate and may change between the time a transaction is made and the time it is deducted from your available balance. You can see the exchange rate applied to a transaction in your transaction history.

  5. For security reasons, card-accepting merchants are required to obtain authorization from us for all transactions you make. In certain circumstances, merchants may require you to have an available balance greater than the value of the transaction you wish to make. You will only be charged for the actual and final value of the transaction you make. Merchants ask for this because they may need access to larger funds than you originally planned to spend. For example:

    1. hotels, rental cars, and
    2. Internet merchants - some Internet merchant sites will, upon registration or at checkout, send a payment authorization request to check if funds are available. This will have a temporary impact on the available balance. Also bear in mind that many sites don't deduct payment until the goods have been dispatched, so bear this in mind when checking the available balance to make sure there are sufficient funds to cover all purchases.

  6. If a merchant agrees to refund a purchase made with the card, the funds will be added to the card's available balance when we receive the funds from the merchant.

    LIMITS ON THE USE OF YOUR CARD

  7. The Card may not be used in situations where it is not possible to obtain online authorization that you have a sufficient balance for the transaction. For example, but without limitation: transactions on trains, boats and certain purchases on board aircraft.

  8. The card must not be used as a form of identification.

  9. The card must not be used for illegal purposes or in any way prohibited by law, nor for gambling, adult entertainment or cash equivalent transactions.

  10. We may ask you to return your Card at any time for a valid reason, in accordance with the provisions of paragraph 15 of this contract.

    EXPIRY DATE

  11. The Card's expiry date is printed on the front of the Card. You will no longer be able to use your card once it has expired. You can request a replacement card via the account management portal (fees apply, see paragraph 12).

    3D SECURE

  12. 3D Secure is a payment authentication standard for Internet purchases that adds an extra layer of security when purchasing goods or services online from participating retailers. It is a form of strong customer authentication. To enhance the security of online payments, you will increasingly need to use 3D Secure to confirm that it is really you when making online payments.

  13. To use 3D Secure :

    • you must have Internet access;
    • you must have a cell phone;
    • we must have your correct cell phone number;
    • your cell phone must be able to receive text messages;
    • your cell phone must have the application installed.

  14. It is important that you ensure that the personal information we hold about you (in particular your cell phone number) is up to date. You can do this via the application.

  15. When you make an online purchase for which authentication is required, you will be taken to a 3D Secure verification screen.

  16. You will be asked to enter a single-use access code (access code) sent to your cell phone by text message (SMS) to finalize your purchase, or you may be asked to verify your identity using the application, after which an access code will be assigned to you. You have a certain amount of time and a certain number of attempts to enter the access code correctly. If you do not enter the access code correctly, you will not be able to complete your online purchase.

  17. The access code will be valid only for the online purchase for which you received it. You must never share an access code with anyone or enter it anywhere other than on the 3D Secure verification screen.

  18. We will treat any transaction authenticated using 3D Secure as having been authorized by you.

  19. We do not charge for the 3D Secure service.

7. USE YOUR ACCOUNT

  1. The account can be used to make incoming and outgoing SEPA payments, each subject to account limits.

    SEPA PAYMENTS IN

  2. Subject to the limits set out in paragraph 2, funds may be added to the Account by the receipt of SEPA payments. Subject to paragraph 7.4, we will credit the account when we receive the funds.

  3. We may not credit your account with a payment intended for your account if:

    1. the account has reached the maximum account balance or account limits;
    2. the account is inactive or blocked;
    3. the sender has provided incorrect/invalid account details for your account;
    4. we suspect fraudulent activity on your account; or
    5. doing so is prohibited by law.

  4. Funds may be returned to sender without notice to you if paragraph 7.3 applies. Please note that this only applies to incoming SEPA payments to IBAN.

    CURRENT SEPA PAYMENTS

  5. To make a SEPA payment from your account, you must first set up the payee as a new beneficiary. To set up a new payee, you will need to go through certain security authorization steps on the account management portal.

  6. Once the security authorization steps have been successfully completed, a payment to this defined payee can be made via the account management portal.

  7. It is your responsibility to check that you have sufficient funds in your account before sending a payment. If your account does not have a sufficient available balance, your payment will be rejected.

  8. If a payment is rejected by the receiving bank, a refund will automatically be credited to your account.

    PAYMENT SCHEDULE

  9. All SEPA payments will be sent within one working day of the payment instruction.

  10. All incoming SEPA payments will be credited to your account within one business day of receipt of funds.

  11. We will only authorize a payment if it complies with your account limits and there is a sufficient balance available.

  12. The time of receipt of a transaction order is the time we receive it. You may not block a transaction once it has been transmitted to us and you have given your consent, or once you have given your consent to a pre-authorized payment.

VERIFICATION OF PAYEE’S NAME FOR SEPA PAYMENTS

  1. Before executing a SEPA Payment, we verify with the payee’s payment service provider whether the payee’s name you provided matches the IBAN, in accordance with legal requirements. The “payee name” means, for individuals, the first and last name, and for legal persons, the legal entity’s trade name or registered name. In some cases, verification may be based on other unambiguous data elements (e.g., tax identification number, if required by our systems). If the account is held by multiple payees, we verify that the indicated payee is among them. If the name partially matches, the payment service provider of the payee will inform us, and we will provide you with the corrected name. If the name (or other unambiguous identifier) and IBAN do not match, we will notify you and warn you that authorising the payment may result in funds being sent to a payment account not held by the intended payee. You are free to decide whether or not to take the provided information into account. If, nevertheless, you choose to proceed, we will execute the payment but we will not be liable beyond correct execution based on the provided IBAN. This verification service is provided free of charge before initiating a SEPA payment. Non-consumer clients may opt out from the verification service for multiple SEPA payment orders submitted as a package. In such case, they have the option to reactivate the service at any time. We are not liable for executing a SEPA payment based on the provided IBAN if we have fulfilled the verification of payee requirements described above. In such cases, you cannot claim a refund due to the payment being made to the incorrect payee. If we failed to comply with our obligations regarding the verification of the payee’s name as described above, and this results in an incorrectly executed payment, we will refund the transferred amount and, if applicable, restore the debited account to the state in which it would have been had the transaction not taken place.

    PAYMENT AUTHORIZATION AND STOP PAYMENTS

  2. Provided that we have complied with our obligations regarding the verification of the payee’s name as set out in Section 7.13., it is your responsibility to ensure that you provide correct payee account and payment amount information when making a payment or setting up a payee. You are responsible if you give us incorrect instructions or mistakenly ask us to make the same payment more than once, but we will try to help you get the money back. We won't always be able to do this, but we'll do everything we can. We will charge you a fee for tracing, reminding or cancelling a payment. If we are unable to recover the money, you may request the relevant information we have on the transaction to help you recover the money. We will provide you with this information upon your written request, unless we are prevented from doing so by law.

  3. You may authorize us to make a payment from your account via the account management portal by setting up electronic payments and instructing us via a third party, for example a payment initiation service provider. We will consider a payment as authorized by you if:

    1. the transaction has been authorized from the account management portal using the required login details and the payee has been approved; or
    2. a payment initiation service provider has made a payment from your account.

  4. We may refuse to process a payment (without informing you in advance) if:

    1. the Account does not have a sufficient available balance to cover the payment; or
    2. the Account is suspended or closed; or
    3. the Account has reached its account limits; or
    4. we must do so to comply with payment system rules; or
    5. we suspect fraudulent activity on your account or the payment is illegal or fraudulent; or
    6. we are concerned about fraud or unauthorized access to your account by a payment initiation service provider; or
    7. necessary to comply with any law.

  5. If we refuse to process payment under 7.15

    1. we will not be liable for any loss that may result and we will not be obliged to notify the recipient,
    2. you may check your account to ensure that the available balance is sufficient and/or that the payee details are correct, or you may ask us why we have not processed a payment by contacting Customer Services. Unless we are prevented from doing so by law, we will explain why and also tell you what you can do to correct any errors in the payment instruction.

  6. You may not be able to stop a payment once it has been authorized by you or a payment initiation service provider.

  7. If, for any reason, a payment is processed for an amount greater than the available balance on your account, you must reimburse us for the difference between the total amount of the deductible and your available balance immediately upon receipt of an invoice from us. If you do not reimburse this amount immediately after receiving an invoice from us, we reserve the right to take all necessary steps, including legal action and/or account closure, to recover the amounts due.

  8. The balance available on the account will not bear interest.

8. CHECK YOUR ACCOUNT BALANCE

  1. You can check your account balance and transaction history via the account management portal.
  2. We will make your monthly account statements available on the Account Management Portal and send you an e-mail to let you know when they are available.

9. YOUR RESPONSIBILITY AND AUTHORIZATION

  1. We may restrict or refuse to authorize any use of your Account or Cards issued under this Agreement, including transactions in any legal jurisdiction, if the use of the Card or Account results in or could result in a breach of this Agreement or if we have reasonable grounds to suspect that you or a third party have committed or are about to commit illegal activities or other abuses in connection with the Account or Card.
  2. Where applicable, any refusal to authorize a card transaction will be communicated to you via the relevant merchant.
  3. You must keep your card safe. You must also keep secure all security or identification information related to your Card, your Account and the Account Management Portal.
  4. You will be responsible for all unauthorized transactions resulting from the use of lost or stolen account or card security information or misappropriation of the account or card if you fail to:
    1. ensure the security of the card and/or the security features of the card and/or the account, or
    2. notify us of the loss or theft of the Card.
  5. You should never:
    1. allow another person to use your Card, PIN or security information related to the account or Card, or
    2. allow anyone other than an authorized third-party supplier to use or access your account, or
    3. disclose or make available your account management portal credentials to any third party, unless that third party is an authorized third-party provider and you wish to use its services; or
    4. write down your password(s), PIN or any other security information related to your card or account, unless this is done in a way that makes it impossible for any other person to recognize this information; or
    5. disclose your PIN code or any security information related to your card or account, or make them available to any other person, either verbally or by entering them in a manner that allows others to observe them; or
    6. enter the PIN code into any ATM which does not appear to be genuine, which has been tampered with, to which a suspicious device is attached or which is operating in a suspicious manner.
  6. You will be responsible for all transactions authorized by you or a payment initiation service provider.
  7. You will be responsible for all transactions made as a result of a fraudulent act on your part or a breach of this agreement committed intentionally or through gross negligence. These transactions and all fees and charges related to these transactions will be deducted from the available balance.
  8. It is your responsibility to keep us informed of changes to any information, including e-mail address and cell phone numbers. If you fail to do so, we may not be able to contact you regarding the Account, including to provide you with refunds to which you may be entitled or to inform you of changes to this Agreement.
  9. You agree to indemnify and hold us, our distributors, partners, agents, sponsors and service providers and their affiliates harmless for the costs of any legal action taken to enforce this Agreement and/or any breach of this Agreement or fraudulent use of the Card, Account, Account Management Portal Login Data or PIN by you or with your authorization.
  10. The Account Management Portal is supported only on devices whose operating system has not been modified, or jailbroken, or configured to allow the installation of software from sources other than those approved by the Customer (including, but not limited to, the Apple App Store and Google Play). Use of the Account Management Portal on any such device is at your own risk, and we cannot be held responsible for any financial loss or loss of data or Information.

10. LOST, STOLEN OR DAMAGED CARDS

  1. In the event of loss, theft, fraud or any other risk of unauthorized use of the card or account, or if the card is damaged or malfunctions, you must immediately block the card via the account management portal or contact customer service so that we can block the card and PIN.
  2. If you block the card or notify us in accordance with this agreement that your card has been lost or stolen, you will be liable up to a maximum of €50 for any loss that occurs before we are notified or the card is blocked.
  3. Provided you have followed one of the steps in accordance with paragraph 11.1 and paragraph 11.4 does not apply, you will not be liable for losses occurring after the date on which you blocked the card or informed Customer Services. If there is an available balance on the card, you can request a replacement card via the account management portal (fees apply, see paragraph 12).
  4. In the event that we have reason to believe that you have acted fraudulently or have acted grossly negligent or intentionally in failing to notify us or block the lost or stolen card, or that you have failed to keep your card or security information secure, or that you have breached this agreement, you will be liable for all losses.

11. FEES

  1. Your account is subject to the following fees. The basic fees detailed below relate to all the basic services we provide to you in connection with your account.

    Event Subscription fees Notes
    Basic fee:
    Essential monthly subscription (Individual account) €6.90/month Invoiced on the first day of the month of the subscription period.
    Premium monthly subscription (Individual account) 12.90€/month or 130.8€/year if annual payment Invoiced on the first day of the month of the subscription period.
    Essential Monthly Subscription (Joint Account) 4.45€ per co-holder/month Invoiced on the first day of the month of the subscription period.
    Premium monthly subscription (Joint Account) €6.45 per joint holder/month or €77.4/year per joint holder if paid annually Invoiced on the first day of the month of the subscription period.
    Essential monthly subscription (Individual Entrepreneur account) 6€/month Invoiced on the first day of the month of the subscription period.
    Free account opening
    - - :-
    Closing the account Free
    Prepaid Mastercard Free Wood or recycled plastic
    Payments in euros Free Unlimited
    Payments in foreign currencies Free Subject to Mastercard conversion rate
    ATM withdrawals within the euro zone Premium account (Individual & Joint) Unlimited Within the card's maximum limits
    ATM withdrawals within the euro zone Essential account (Individual & Joint) 2 free / account / month €1/withdrawal from the 3rd of the month onwards
    International ATM withdrawals 2€/withdrawal
    SEPA In Free
    SEPA out Free
    Access to impact dashboard Free
    Free calculation of CO2 footprint Free
    Financing a green project Free
    Financial expenses:**
    In the event of theft, loss or damage. Free on expiry date.
    Charges for irregular use of the account up to €100 in the event of a proven attempt at fraud, money laundering or use of the Account not in accordance with these General Terms and Conditions.

  2. We will deduct any outstanding charges from the available balance. If there is no available balance, or if the charges exceed the available balance, we will send you an invoice and ask you to reimburse us immediately upon receipt of the invoice. If you do not reimburse this amount immediately after receiving an invoice from us, we reserve the right to take all necessary measures, including legal action, to recover the sums due.

12. UNAUTHORIZED AND INCORRECT TRANSACTIONS

  1. If there is any reason to believe that a transaction on the account has not been authorized by you or a payment initiation service provider, or has been carried out incorrectly, you must notify us immediately via the account management portal, but in any event within 13 months of the date of the transaction concerned.

  2. If you report an unauthorized transaction:

    1. we will refund, by the end of the next working day at the latest, the unauthorized amount, including any charges, to the account in the position it would have been in had the unauthorized transaction not taken place.
    2. we are not obliged to reimburse you for unauthorized amounts if we have reason to believe that you have acted fraudulently, and we may inform the police or any other authority authorized by law. If we do not refund you by the end of the next business day but subsequently confirm that the transaction was unauthorized, we will immediately refund any unauthorized amounts.
    3. we will have no further liability to you once we have refunded the unauthorized amounts. If we subsequently discover that you were not entitled to a refund, we will treat the refund as an error and will be entitled to reapply the transaction, including any charges, to your account.

  3. You will be liable for all unauthorized transactions made from your account if you have acted fraudulently or if you have deliberately or grossly negligently failed to maintain the security of your card, card security information or account management portal credentials in accordance with this agreement, or if you have failed to notify us without undue delay when you become aware that your card, card security information or account management portal credentials have been lost or stolen.

  4. You will not be liable for any unauthorized transactions made from your account after you have notified us that your card, card security information or account management portal credentials have been lost, stolen or compromised.

  5. If you notify us that a transaction has been made incorrectly on your account, after notifying us, we will immediately refund your account with sufficient funds, including any fees, to restore your account to the same position as if the incorrect transaction had not been made. However, this will not apply if:

    1. you do not inform us of the incorrect payment within a reasonable time and, in any event, within 13 months of the date on which the transaction took place;
    2. in the case of a SEPA payment where we failed to comply with our obligations regarding the verification of the payee’s name as set out in section 7.13., the payment instructions you gave us were incorrect. If this is the case, we will make reasonable efforts to recover your money if the payment has gone missing, but we may charge you a fee to cover our costs in this area. We will let you know the amount of this charge before we start the recovery procedure. If we are unable to recover the funds, you may request the relevant information we have about the transaction to help you recover the payment amount. For legal reasons, we are obliged to provide this information on receipt of a written request, unless we are prevented from doing so by law.
    3. we can demonstrate that the payment has actually been received by the other bank (in which case the other bank will be liable).

  6. If funds have been paid into your account in error, we may withdraw these funds from your account and/or block them so that they cannot be spent:

    1. We don't need to tell you before we take the money back or put it on hold.
    2. If funds are paid into your account in error, we are required to provide sufficient details about you and the incorrect payment to the bank or institution that sent the payment to enable them to recover the funds.

  7. Where you have agreed that another person may make a payment on the account (for example, if you have given your card details to a retailer in order to make a payment to hire a car or book a hotel room), you may ask us to refund a payment if all of the following conditions are met:

    1. the authorization given did not specify the exact amount to be paid;
    2. the amount debited from your account was higher than you could reasonably expect to pay, given the circumstances, including previous spending patterns; and
    3. you request a refund within eight weeks of the date on which the payment was debited from your account.

  8. We may ask you to provide information for verification purposes.

  9. If you ask us to make a refund under paragraph 12.7, within 10 working days from the date of receipt of your request (or if we request further information under paragraph 12.8, within 10 working days from the date of receipt of such information), we will do one of the following:

  10. refund your payment in full; or

    1. inform you of our reasons for not accepting the refund.

  11. You will not be entitled to a refund under paragraph 12.7 if:

    1. you have given us your consent for the payment to be made; and
    2. where applicable, we (or the person or merchant you have agreed to pay) have given you information about the payment in question at least four weeks before the payment due date.
    3. if the payment in question was higher than you reasonably expected to pay is due to a change in the exchange rate of a currency.

13. VARIATION

  1. We may amend this Agreement, including fees and limits, by giving you at least two months' notice by e-mail (provided you have provided us with an up-to-date e-mail address) and we will ensure that the most recent version is always available on the Account Management Portal.
  2. If you do not agree with the changes made to the contract, you may at any time during the two-month notice period terminate your contract and close your account in accordance with paragraph 9.2 at that time, free of charge. However, if you do not terminate during this period, you will be deemed to have accepted them and the modifications will apply to you.
  3. In some cases, we may make changes to this contract without giving you advance notice. These are changes that you would probably expect because of the nature of the product or service, or that will not disturb you because they are favourable to you. We are not obliged to inform you personally in advance when one of the following events occurs:
    1. If the change is in your favour, if we reduce your charges, if we make this agreement fairer to you, or if we introduce a new service or feature from which you can benefit.
    2. We make a change because a change in law or regulation requires us to do so by a specified date and we do not have time to notify you.
  4. If any part of this contract is inconsistent with a regulatory requirement, we will not rely on that part but will treat it as if it actually reflected the relevant regulatory requirement. If we need to make operational changes before we can fully comply with the new regulatory requirement, we will make these changes as soon as reasonably practicable. We will update our Agreement to reflect new regulatory requirements when they are next reprinted.

14. CANCELLATION OF YOUR ACCOUNT

  1. You may cancel your account and cards before activating them, and up to 14 calendar days after the activation date ("cancellation period"), via the account management portal or by contacting Customer Service.

15. CANCELLATION OR SUSPENSION

  1. We may terminate this Agreement at any time:
    1. if we give you two months' notice and refund the available balance free of charge, or
    2. with immediate effect if you have breached this agreement, or if we have reason to believe that you have used or intend to use the account or card in a grossly negligent manner or for fraudulent or illegal purposes, or if we are no longer able to process your transactions due to the action of third parties.
  2. We may suspend or terminate your account or cards at any time with immediate effect (and until you have remedied your breach or the contract is terminated) if:
    1. we discover that any of the information provided to us at the time of your account application or card purchase was incorrect; or
    2. we consider it necessary for security reasons; or
    3. if we suspect or prevent unauthorized or fraudulent use of the account or card; or
    4. if you have reached your limits; or
    5. any legal obligation requires us to do so; or
    6. you have breached this Agreement or we have reason to believe that you have used, or intend to use, your Account or Cards or Account Management Portal password or passcode in a grossly negligent manner or for fraudulent or unlawful purposes, or if we are unable to process any transactions due to the action of third parties.
  3. In the event of suspension or termination of your account or cards, if we are able to do so, we will inform you in advance, otherwise we will inform you immediately thereafter (to the extent permitted by law). We may inform any person involved in the transaction if a suspension has taken place.
  4. If any additional charges are made to your account as a result of a termination by you or us, then, subject to this Agreement, you shall reimburse us for any amount relating to a withdrawal or any fees and/or charges validly applied before or after the termination. We will send you an invoice and ask you to reimburse us immediately. If you do not repay this amount immediately after receiving an invoice from us, we reserve the right to take all necessary measures, including legal action, to recover the sums due.
  5. You may cancel your account and card at any time after the cancellation period by contacting Customer Service and requesting a refund of your balance.
  6. You may redeem funds as long as:
    1. we believe you have not acted fraudulently; and
    2. we are not prohibited from doing so by any law, regulation, court order, instruction or direction from any competent authority or regulatory body.
  7. Subject to section 15.8, once the Available Balance has been repaid and the Account has been closed, your Agreement will terminate. However, if section 15.8 applies to your Account, your Account will remain active and your Agreement will continue to apply to you until there is no more money in your Account.
  8. If we find that additional withdrawals, fees or charges have been incurred on your account as a result of processing your redemption funds, we will send you an itemized invoice and ask you to reimburse us immediately upon receipt of the invoice. If you do not reimburse this amount immediately after receiving an invoice from us, we reserve the right to take all necessary steps, including legal action, to recover the amounts due.
  9. Any available balance remaining on the account after termination will remain yours. You may redeem your available balance at any time by contacting Customer Service. You will not have access to your Account after termination. A monthly inactivity fee may be charged if there is an available balance remaining on the Account 12 months after termination.

16. OUR LIABILITY

  1. PPS EU's liability under this agreement (whether in contract, tort, breach of statutory duty or otherwise) is subject to the following exclusions and limitations:
    1. we will not be liable for any failure resulting directly or indirectly from any cause beyond our control, including, but not limited to, lack of funds and/or failure of network services at ATMs, maximum withdrawal limits set by ATM operators and failure of data processing systems ;
    2. we will not be liable for any loss of profits, loss of business, or any indirect, consequential, special or punitive loss;
    3. if the card is defective due to a fault on our part, our liability is limited to the replacement of the card or, at our option, the refund of the available balance;
    4. if sums are wrongly deducted from the available balance due to a default on our part, our liability is limited to payment of an equivalent amount;
    5. in the unlikely event that sums are deducted from the Available Balance but you have not authorized such deduction in accordance with this Agreement, our liability will be as set out in paragraph 13; and
    6. in all other circumstances of our default, our liability will be limited to the redemption of the available balance.
  2. Nothing in this agreement excludes or limits our liability for death or personal injury resulting from our negligence or fraud.
  3. To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded.
  4. The exclusions and limitations set out above in this paragraph apply to any liability of our affiliates such as Mastercard, and other suppliers, contractors, agents or distributors and their respective affiliates (if any), to you which may arise in connection with this agreement.
  5. In the event of suspected or actual fraud or a threat to the security of your card or account, we may use SMS, telephone, post, e-mail or other secure procedure to contact you. We may ask you to verify your identity or that of any additional cardholder for security purposes.

17. YOUR INFORMATION

  1. You may provide us with information from time to time in connection with your account. Certain information will be necessary for us to provide you with the Account and the Services under this Agreement. You must update any changes to the information via the account management portal. For verification and security purposes, such as the application of strong customer authentication measures, we are required to collect certain personal information about you, including your cell phone number. We will pass on this data to our third-party service providers if necessary for the administration of strong customer authentication measures. Both the customer and PPS EU are the data controllers with respect to our responsibilities in providing the services subject to this agreement and will only use your personal data for this purpose. Please see the privacy policy published at https://green-got.com/privacy-policyfor full details of what personal data PPS EU and Green-Got hold, how we will use it and how we will keep it secure.
  2. To make a payment, we may transfer your information/data to any payment service provider used to carry out your payment instruction. By making a payment instruction, you acknowledge this transfer of your information. We will contact you if we require any further information in connection with this payment. If you would like information about the payment service providers used in connection with payments, you can contact Customer Services. We may also transfer your information outside the European Union and the EEA to enable the use of the card when traveling or for legal purposes.
  3. If you authorize or give your consent to an authorized third party supplier to access your account to provide their services to you, you should be aware that we have no control over how an authorized third party supplier will use your information and that we will not be responsible for any loss of information after an authorized third party supplier has accessed your information.

18. COMPLAINTS PROCEDURE

  1. Complaints concerning any element of the service provided may be sent to Customer Service.
  2. All complaints will be subject to our complaints procedure. We will provide you with a copy of the complaints procedure on request and, if we receive a complaint from you, a copy of the complaints procedure will automatically be sent to you by post or e- mail.
  3. If we are unable to resolve the complaint to your satisfaction, you may submit it to the Ombudsfin, whose address is Porte Nord II, Boulevard du Roi Albert II, no 8, bte. 2, 1000, Brussels. Details of the service offered by Ombudsfin are available at <www.ombudsfin.be>.

19. GENERAL

  1. Any delay or failure by us to exercise any right or remedy under this Agreement shall not be construed as a waiver of such right or remedy, nor prevent its exercise at any subsequent time.
  2. If any provision of this agreement is held to be unenforceable or illegal, the remaining provisions shall remain in full force and effect.
  3. You may not assign or transfer any of your rights and/or benefits under this Agreement and you will be the sole party to the Agreement between us. You will remain liable until all Accounts and/or Cards issued to you have been terminated and all sums due under this Agreement have been paid by you in full. We may assign our rights and benefits at any time without prior written notice to you. We may subcontract any of our obligations under this Agreement.
  4. No third party who is not a party to this Agreement has the right to enforce any provision of this Agreement, except that Mastercard and their respective affiliates may enforce any provision of this Agreement which confers a benefit or right on them and a person specified in paragraph 16.4 may enforce paragraph 16.
  5. This Agreement contains the information set forth in Book VII, Title 3, Chapter 2 of the Code of Economic Law and you may obtain a copy of this Agreement at any time by visiting the Account Management Portal.
  6. This agreement is governed by Belgian law and you accept the exclusive jurisdiction of the Belgian courts. This provision is made for your benefit and does not limit your right to bring proceedings before the courts designated under article 624, 1°, 2° and 4° of the Belgian Judicial Code.
  7. The Belgian deposit guarantee scheme is not applicable to this account and card. No other compensation scheme exists to cover losses claimed under the Account. In the event that we become insolvent, your funds are protected under the European Electronic Money Directive 2009/110/EC and the Belgian Act of March 11, 2018 on the legal status and supervision of payment institutions and electronic money institutions, which are intended to ensure the security of funds held in electronic money accounts such as your Account.

20. CONTACT CUSTOMER SERVICE

  1. If you have a question about the card, you can contact customer service by writing to customer service at contact@green-got.com.
  2. A lost or stolen card service is also available 24 hours a day via the account management portal.

21. Appendix

  1. **Country of citizenship not authorized: Ethiopia, Iraq, Serbia, Sri Lanka, Syria, Trinidad and Tobago, Tunisia, Vanuatu, Yemen, Afghanistan, Bosnia-Herzegovina, Laos, Guyana, Uganda and United States.

ESSENTIAL ACCOUNT CARD INSURANCE BENEFITS

INFORMATION LEAFLET

Account insurance contract no. A733J governed by the French Insurance Code

Underwritten by DOMINO SAS (hereinafter referred to as Green Got): a simplified joint-stock company with share capital of €24,809.70, registered with the Nanterre Trade and Companies Register under no. 883 981 763, domiciled at 20 bis Rue Louis-Philippe, 92200 Neuilly-Sur-Seine ;

Intermediary: OWEN, SAS with capital of 16,118 euros, headquartered at 38 rue François Villon, 91450 Soisy-sur-Seine.

1. Article 1 - Definitions

For ease of understanding, the definitions below apply to all insurance cover, unless otherwise specified for each cover.

Defined terms are capitalized in this information notice.

Insured: natural person of legal age who is the holder of the Green Got Insured Card, acting in a non-professional capacity, and who resides for tax purposes in mainland France, the French overseas departments and regions.

Insured Card: means the payment card associated with the Essential account, held by the Insured and provided to him/her by Green Got.

Contract: account insurance contract n°A733J taken out by Green Got with CNP Caution, of which this information leaflet describes the insurance guarantees.

Broker: Owen, who also manages the insurance coverages on behalf of the Insurer. Exclusion of cover: clause which deprives the Insured of cover due to the circumstances of the occurrence of the risk. It is up to the Insurer to prove the exclusion. Exclusions are either common to all coverages, or specific to one or more coverages.

Invoice: document drawn up by the seller of the Goods or the tour operator and given to the Insured, containing the following information:

Civil War : declared or undeclared opposition or any other warlike or armed activity by two or more parties belonging to the same State, including :

Civil War includes :

Foreign War: declared or undeclared war or other warlike activity, including the use of military force by any sovereign nation against another sovereign nation:

Agent: a person who is subordinate to the Insured by virtue of an employment contract.

Claim: a random event which is likely to result in the application of one of the insurance coverages of the Contract, as described in this information notice. The date of the Claim is the date on which the event causing the damage occurs.

Biological Substances: Any pathogenic (disease-producing) micro-organism and/or biologically produced toxin (including genetically modified organisms and chemically synthesized toxins) capable of causing illness, disability or death in humans or animals.

Chemical Substances: Any solid, liquid or gaseous component which, depending on how it is handled, is likely to cause disease, disability or death in humans or animals.

Nuclear Substances: Any element, particle, atom or material which, through emissions, discharges, dispersions, releases or escapes of radioactive materials, emits a level of radiation by ionization, fission, fusion, breakdown or stabilization.

Contract Subscriber: Green Got, the trading name of Domino SAS. Third Party: any person other than the Insured, his/her Spouse, ascendants, descendants or Employee.

2. Article 2 - Commencement and termination of cover

Cover is acquired by the Insured from the date of subscription to the Insured Card. Coverage is linked to the period of validity of the Insured Card.

Cover automatically ceases on the same dates in the event of cancellation, surrender, non-renewal, blocking, withdrawal or return of the Insured Card.

They also cease in the event of termination of the Contract, for any reason whatsoever; in this case, the Insured is informed two months before the effective date of termination.

If the Insured Card ceases to be valid, the Insured loses all rights to coverage, unless the service or good for which coverage is requested in this Policy was paid for, in whole or in part, using the Insured Card before the expiration date. The declaration of loss or theft of the Insured Card does not suspend the present insurance cover.

3. Article 3 - Exclusions common to all insurance benefits

IN ADDITION TO THE EXCLUSIONS SPECIFIC TO EACH INSURANCE COVERAGE, THE INSURER SHALL NOT BE LIABLE FOR DAMAGE CAUSED BY :

4. Article 4 - Premium

The Policyholder pays the Contract Premium, the cost of which is included in the price of the Insured Card.

5. Article 5 - Contract modifications

The terms and conditions of the Contract may change. In this case, the Policyholder will communicate these changes to the Insured, by any means, no later than one month before their date of application.

6. Article 6 - Claims handling

In order to benefit from the present insurance cover, the Insured must declare a Claim, in accordance with the terms and conditions defined in each cover.

7. Article 7 - Territoriality of insurance cover in the event of a Claim

The insurance covers Losses occurring anywhere in the world, subject to the limits set out in Article 16 of this Policy.

8. Article 8 - Claims

In the event of dissatisfaction with the insurance cover linked to the Insured Card, the Insured may make a claim:

The Broker undertakes to acknowledge receipt of or reply to the claim within 10 working days of sending it.

In any event, the Broker will respond to the claim within a maximum of two (2) months from the date it was sent.

In the event of disagreement with the response given, or in the absence of a response within two (2) months of the initial complaint being sent, the Insured may contact the Insurance Mediator free of charge:

Referral to the Mediation officer suspends the limitation period defined in article 9 from the date of notification of the admissibility of the referral.

The Mediator's opinion is not binding on the parties, and the Insured is free to refer the matter to the competent courts.

In the event of online subscription to a product or service, the Insured may also have recourse to the European Online Dispute Resolution platform (RLL) at http://ec.europa.eu/consumers/odr/.

9. Article 9 - Prescription

The provisions relating to the prescription of actions deriving from the Contract are set out in Articles L.114-1 to L.114-3 of the Insurance Code reproduced below:

Article L.114-1 of the French Insurance Code: "All actions deriving from an insurance contract are time-barred two years after the event giving rise to them. By way of exception, claims arising from an insurance contract relating to damage resulting from land movement caused by drought and soil dehydration, recognized as a natural catastrophe under the conditions set out in article L.125-1, are subject to a five-year limitation period from the event giving rise to the claim. However, this period does not run :

1st - In the event of concealment, omission, false or inaccurate declaration of the risk, only from the day the insurer became aware of it;

2nd - In the event of a claim, only from the date on which the parties concerned became aware of it, if they can prove that they were unaware of it until then.

When the Insured's action against the Insurer is based on recourse by a third party, the period of prescription runs only from the day on which the third party took legal action against the Insured or was compensated by the Insured.

The limitation period is extended to ten years in personal accident insurance contracts, when the beneficiaries are the rightful claimants of the deceased Insured. For life insurance contracts, notwithstanding the provisions of the 2nd paragraph, the Beneficiary's actions are time-barred no later than thirty years from the date of the Insured's death.

Article L.114-2 of the French Insurance Code: "Prescription is interrupted by one of the ordinary causes of interruption of prescription and by the appointment of experts following a Claim.

The interruption of prescription of the action may, in addition, result from the sending of a registered letter with acknowledgement of receipt or an electronic registered letter addressed by the Insurer to the Insured with regard to the action for payment of the premium and by the Insured to the Insurer with regard to the settlement of the indemnity."

Article L 114-3 of the Insurance Code: "Notwithstanding Article 2254 of the Civil Code, the parties to the insurance contract may not, even by mutual agreement, modify the duration of the limitation period, nor add to the causes of its suspension or interruption." Further information:

The ordinary causes of interruption of the limitation period referred to in article L114-2 of the French Insurance Code are set out in articles 2240 to 2246 of the French Civil Code, reproduced below:

Article 2240 of the Civil Code: "Recognition by the debtor of the right of the person against whom he was prescribing interrupts the prescription period".

Article 2241 of the Civil Code: "A legal claim, even in summary proceedings, interrupts the limitation period as well as the foreclosure period. The same applies when the claim is brought before an incompetent court or when the act of bringing the claim before the court is annulled due to a procedural defect".

Article 2242 of the French Civil Code: "The interruption resulting from a legal claim produces its effects until the proceedings are extinguished".

Article 2243 of the Civil Code: "The interruption is null and void if the plaintiff withdraws his claim or allows the proceedings to lapse, or if his claim is definitively rejected".

Article 2244 of the French Civil Code: "The prescription period or the foreclosure period is also interrupted by a protective measure taken in application of the Code of Civil Enforcement Procedures or an act of forced execution".

Article 2245 of the French Civil Code: "The interpellation made to one of the joint and several debtors by a legal demand or by an act of forced execution, or the recognition by the debtor of the right of the person against whom he was prescribing, interrupts the prescription period against all the others, even against their heirs.

On the other hand, the interpellation of one of the heirs of a joint and several debtor, or the acknowledgement of this heir, does not interrupt the prescription period with regard to the other co-heirs, even in the case of a mortgage claim, if the obligation is divisible. This interpellation or acknowledgement interrupts the limitation period, with respect to the other co-debtors, only for the share for which this heir is liable. To interrupt the prescription period for the whole, with regard to the other co-debtors, an interpellation must be made to all the heirs of the deceased debtor, or an acknowledgement made by all these heirs.

Article 2246 of the Civil Code: "The interpellation made to the principal debtor or his acknowledgement interrupts the prescription period against the guarantor".

For any updates to the aforementioned provisions, please consult the official website: <www.legifrance.gouv.fr>. (Connection cost depends on access provider).

10. Article 10 - Subrogation

The Insurer may request the party responsible for the Loss to reimburse the compensation paid to the Insured.

In accordance with the provisions of article L 121-12 of the French Insurance Code, the Insurer is subrogated, up to the amount of the indemnity paid by it, in the rights and actions of the Insured against the Third Parties responsible for the Loss.

In the event that subrogation can no longer be exercised in favour of the Insurer, due to the Insured's fault, the latter may be discharged, in whole or in part, from its obligations towards the Insured to the extent that subrogation could have been exercised.

11. Article 11 - Plurality of insurance

In accordance with article L.121-4 of the French Insurance Code: "A person who is insured by several insurers under several policies, for the same interest, against the same risk, must immediately inform each insurer of the other insurers.

The Insured must, at the time of this communication, make known the name of the insurer with whom another insurance policy has been taken out and indicate the sum insured.

When several insurances against the same risk are taken out fraudulently or deceitfully, the penalties provided for in the first paragraph of Article L. 121-3 of the French Insurance Code shall apply.

When they are contracted without fraud, each of them produces its effects within the limits of the contract's guarantees and in compliance with the provisions of article L.121-1 of the Insurance Code, regardless of the date on which the insurance was taken out. Within these limits, the beneficiary of the contract may obtain compensation for damages from the insurer of his choice.

In relations between insurers, the contribution of each of them is determined by applying to the amount of the loss the ratio existing between the indemnity that it would have paid had it been alone and the cumulative amount of the indemnities that would have been payable by each insurer had it been alone."

12. Article 12 - Language and law applicable to the Contract

Pre-contractual and contractual relations between the Insurer, the Policyholder, the Broker and the Insured are governed by French law.

The Insurer undertakes to use the French language throughout the duration of the Contract.

13. Article 13 - Supervisory authority

The supervisory authority for the Insurer, the Policyholder and the Broker is the Autorité de Contrôle Prudentiel et de Résolution (ACPR) - 4 Place de Budapest - CS 92459 - 75436 PARIS CEDEX 09.

14. Article 14 - Opposition to telephone canvassing

The Insured may register on the opposition to telephone canvassing list by sending a letter to Worldline - Service Bloctel CS 61311 - 41013 Blois Cedex or on the Internet - <www.bloctel.gouv.fr>.

15. Article 15 - Protection of personal data

In accordance with Regulation n°2016/679 on the protection of individuals with regard to the processing of personal data and on the free movement of such data ("RGPD") and in accordance with the amended "Informatique et Libertés" Law, the processing of your personal data is necessary for the management of your insurance contract, compliance with a legal obligation, the exercise of a legitimate interest by CNP Caution or by Owen.

The purpose of the processing carried out is:

For CNP Caution: the management and performance of insurance contracts; the preparation of statistics and actuarial studies; the exercise of remedies and the management of claims and litigation; the enforcement of legal, regulatory and administrative provisions in force, in particular the fight against money laundering, against the financing of terrorism and against fraud; operations relating to customer management; the improvement of customer service enabling us to offer products or services that reduce claims, to offer a contract or a complementary service; the management of people's opinions on products and services.

For Owen: the conclusion, management and performance of insurance contracts; the exercise of rights of recourse and the management of claims and disputes; the enforcement of legal, regulatory and administrative provisions in force, in particular the fight against money laundering, the financing of terrorism and fraud; operations relating to customer management. The recipients of this personal data are, within the strict framework of the purposes set out above: the duly authorized personnel of CNP Caution or Owen, their respective service providers, partners, subcontractors and, where applicable, the social organizations of the persons involved, insurance intermediaries, as well as persons interested in the contract. Any such transfers of personal data are formalized in a contractual framework between the parties concerned.

Your personal data will be kept throughout the life of the contractual relationship, until the expiry of both the statutory limitation periods and the periods stipulated by the various retention obligations imposed by regulations.

For CNP Caution: for more information you can visit our website "cnp.fr", https://www.cnp.fr/particuliers/info-reglementee/donnees-personnelles.

You have the right to access, rectify and delete your personal data. Where consent is required for processing, you have the right to withdraw it. Under certain regulatory conditions, you have the right to request the limitation of processing or to object to it.

You also have the right to request the portability of the data you have provided when it was necessary for the contract or when your consent was required.

You can exercise these rights by contacting us directly at
By e-mail For CNP Caution: dpo@cnp.fr
For Owen: dpo@getowen.eu
By mail For CNP Caution : CNP Assurances - Service DPO, TSA n°16939, 4 Promenade Cœur de Ville 92130 Issy-Les-Moulineaux
For Owen : Délégué à la Protection des Données OWEN, 38 rue F.Villon, 91450 Soisy sur Seine

You also have the right to give us instructions on what to do with your personal data after your death.

In the event of persistent disagreement concerning your data, you have the right to contact the CNIL at the following address: Commission Nationale Informatique et Libertés, 3 place de Fontenoy 75007 Paris, https://www.cnil.fr/fr/vous-souhaitez-contacter-la-cnil, 01 53 73 22 22.

16. Article 16 - Combating money laundering and the financing of terrorism (LCB-FT)

Compliance with LCB-FT regulations

In accordance with legal and regulatory provisions relating to the fight against money laundering and the financing of terrorism, the Insurer, Green Got and Owen are bound by a duty to identify and verify the identity of the customer and his beneficial owner where applicable, to maintain up-to-date knowledge of the customer and the business relationship, and to exercise constant vigilance over the transactions carried out and their consistency with their knowledge of the customer. In this respect, the customer or, where applicable, his legal representative, undertakes to provide the Insurer, Green Got and Owen, as and when required, with any information that may be useful in updating their knowledge of the customer and the purpose and nature of the business relationship. Likewise, in view of the Insurer's, Green Got and Owen's obligation of constant vigilance with regard to operations, the customer undertakes to provide them with all useful information concerning, in particular, the purpose and nature of the operations carried out, the origin and destination of the funds, and the identity of the beneficiary(ies) of the funds by producing, where appropriate, any documentary evidence. These verifications may delay the execution of a transaction, which the customer acknowledges and accepts. Failing to obtain the necessary proof, the Insurer, Green Got and Owen may not execute or may cancel an operation and reserve the right to terminate the business relationship.

International sanctions

The Insurer, Green Got and Owen are required to comply with national and international financial sanctions put in place by the competent authorities against a state, person or organization. In order to comply with their obligations, they may be required to suspend, not execute or cancel a transaction and reserve the right to terminate the business relationship.

The Insurer will not provide any guarantee or cover, or assume any benefit or provide any service described herein if this would expose it to any international sanction, prohibition or restriction as defined by the United Nations, and/or France and/or the European Union, and/or the United Kingdom and/or the United States of America.

**In this respect, and cumulatively with any other territorial exclusions defined in this document, insurance benefits will not be provided for operations in connection with countries and territories subject to sanctions by the United Nations, and/or France and/or the European Union, and/or the United Kingdom and/or the United States of America, as well as countries on the FATF (Financial Action Task Force) blacklist.

These lists are subject to change, and customers are advised to contact their bank for information on any transactions involving countries likely to appear on the above-mentioned lists.

17. Article 17 - Fight against corruption

Throughout the duration of the relationship, the Insurer is required to comply with Law no. 2016-1691 of December 9, 2016 relating to transparency, the fight against corruption and the modernization of economic life, as well as all applicable laws, regulations and international standards relating to Breaches of Probity.

In this context, the Insured undertakes throughout the term of the contract to comply with the provisions relating to the fight against any breach of probity, and refrains from carrying out any act that could be classified as a crime or misdemeanor under the regulations in force, in France or abroad. The CNP ASSURANCES Group Code of Conduct, entitled C@pEthic, which sets out the Group's procedures for combating corruption and influence peddling, is available online at cnp.fr.

The Insured's involvement in a prohibited activity or the absence of information provided by the Insured, at the Insurer's request, to justify the compliance of operations with the regulations in force, constitutes grounds for termination of the business relationship.

Summary of insurance cover and compensation limits

The information below is only a brief description of the cover provided in this information sheet.

Guarantees Ceilings
Max 2,000 €/Claim and up to 3,000 €/calendar year Loss and Theft of Identity Papers
Loss and Theft of Identity Papers Max 350 €/Classic year and up to 3,000 €/Calendar year
Fraudulent Use of Payment Card
Phishing		 Max 3,000 €/calendar year
Max 1,000 €/calendar year

18. Article 18 - Good Delivery Completion Guarantee

1. Article 18.1 - Definitions specific to the Good Delivery Completion Guarantee

Non-conforming delivery: the Good delivered is :

Non-delivery: non-receipt of the Good by the Insured after a period of thirty (30) working days following the debit of the order appearing on the statement of account of the Insured Card.

2. Article 18.2 Purpose of Good Delivery Completion cover

The purpose of the warranty is to reimburse the Insured for Goods purchased with the Insured Card, in the event of non-conforming Delivery or Non-Delivery.

Non-conforming Delivery must be noted within a maximum period of twenty (20) working days from receipt of the goods.

**Before invoking this warranty, the Insured must invoke the legal warranties against the seller and the manufacturer. These legal warranties are provided for in articles 1641 and 1648 paragraph 1 of the French Civil Code and articles L217.3 et seq. of the French Consumer Code.

In the event of non-delivery, in accordance with the deadlines initially announced by the seller, the Insured will send a written reminder to the seller.

3. Article 18.3 - Limits of Good Delivery Completion cover

The Insurer shall indemnify the Insured in accordance with the limits and ceilings of the cover set out below:

The Insurer will reimburse an amount corresponding to the Purchase Value of the Property, subject to payment of the sums actually paid to the seller.

The Good Delivery Completion guarantee cannot be combined with the Purchase guarantee.

4. Article 18.4 - Exclusions specific to the Good Delivery Completion warranty

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL WARRANTIES DEFINED IN ARTICLE 3, THE FOLLOWING ARE EXCLUDED FROM THE GOOD DELIVERY COMPLETION WARRANTY:

5. Article 18.5 - Reporting a claim under the Good Delivery Completion guarantee

A. Reporting deadlines

To benefit from the Good Delivery Completion guarantee, the Insured must declare his or her Claim to the Broker within thirty (30) working days of becoming aware of it, via the Green Got application. In the tab where coverages are presented, the Insured can press the "declare a claim " button.

**Failure to do so will result in the loss of all rights to cover for the Claim in question if the Broker establishes that the delay in reporting has caused it prejudice. This provision does not apply if the delay is due to a fortuitous event or force majeure.

B. Documents to be provided

The production of the documents listed below is necessary for the Insurer to take charge of the claim.

In the event of non-conforming or non-delivery:

In the event of non-conforming delivery, the Insured must also provide:

C. Payment of the service

The Insured shall receive the benefit in euros to the account linked to the Insured Card within 15 days (fifteen) of receipt of the complete file and approval by the Insurer.

19. Article 19 - Surrender

When the Insurer has declared the Property irreparable, and once the Insurer has compensated the Insured, the Property becomes the property of the Insurer (article L. 121-14 of the French Insurance Code).

20. Article 20 - Loss or Theft of Identity Papers cover

1. Article 20.1 - Definitions specific to Loss or Theft of Identity Papers cover

Identity papers: Refers to the following identity documents issued by a French administration: national identity card, passport, driving license, vehicle registration certificate, residence permit.

Theft: Refers to the fraudulent removal of identity papers.

2. Article 20.2 - Purpose of Loss or Theft of Identity Papers cover

The purpose of this cover is to reimburse the Insured for the cost of renewing his/her identity papers. This includes :

3. Article 20.3 - Limits of cover for Loss or Theft of Identity Papers

The Insurer will reimburse the Insured for the cost of renewing his/her identity papers up to a limit of 350 euros per claim and per calendar year.

4. Article 20.4 - Exclusions relating to Loss or Theft of Identity Papers cover

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL COVERAGES DEFINED IN ARTICLE 3, THE FOLLOWING ARE EXCLUDED FROM LOSS OR THEFT OF IDENTITY PAPERS COVER:

5. Article 20.5 - Reporting a claim for Loss or theft of identity papers

A. Reporting deadlines

To benefit from the guarantee, the Insured must declare his or her Claim to the Insurer within thirty (30) working days from the time he or she becomes aware of it via the Green Got application. In the tab where coverages are presented, the Insured can press the "declare a claim " button.

**Failure to do so will result in the loss of all rights to cover for the Claim in question if the Broker establishes that the delay in reporting has caused him/her prejudice. This provision does not apply if the delay is due to a fortuitous event or force majeure.

B. Documents to be provided

The production of the documents listed below is necessary for the Insurer to take charge of the claim.

C. Payment of benefits

The Insured receives the benefit in euros to the account linked to the Insured Card within 15 days (fifteen) of receipt of the complete file and approval by the Insurer.

21. Article 21 - Fraudulent use of the Insured Card

1. Article 21.1 - Definitions specific to Fraudulent Use cover

Fraudulent Use: any payment or withdrawal transaction using the Insured Card that has been lost or stolen, carried out by a Third Party before the Insured Card has been blocked.

Theft: theft by a Third Party, duly recorded by filing a complaint with the competent authorities describing the circumstances of the theft.

2. Article 21.2 - Purpose of Fraudulent Use cover

The purpose of this cover is to reimburse the Insured :

3. Article 21.3 - Limits of Fraudulent Use cover

The Insurer indemnifies the Insured up to the amount of the sums remaining to be paid by the Insured after any indemnification by Green Got under the "Green Got premium account" contract, in accordance with the regulations in force and up to 3000€ per year.

4. Article 21.4 - Exclusions relating to Fraudulent Use cover

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL COVERAGES AS DEFINED IN ARTICLE 3, THE FOLLOWING ARE EXCLUDED FROM THE FRAUDULENT USE OF THE INSURED CARD COVERAGE:

5. Article 21.5 - Reporting a fraudulent use claim

A. Reporting deadlines

To benefit from the Fraudulent Use cover, the Insured must :

**Failure to do so will result in the loss of all rights to cover for the Claim in question if the Broker establishes that the delay in reporting has caused him/her prejudice. This provision does not apply if the delay is due to a fortuitous event or force majeure.

B. Documents to be provided

The production of the documents listed below is necessary for the Insurer to take charge of the claim.

C. Payment of benefits

The Insured receives the benefit in euros to the account linked to the Insured Card within 15 days (fifteen) of receipt of the complete file and approval by the Insurer.

22. Article 22 - Phishing cover

1. Article 22.1 Specific definition of the Phishing warranty

**Phishing": an Internet fraud technique designed to obtain sensitive personal information, in particular user name, password and confidential information attached to the Insured Card, in order to make payments on behalf of the Insured or to steal sums of money.

2. Article 22.2 Purpose of Phishing cover

The purpose of Phishing cover is to cover direct financial losses suffered by the Insured:

3. Article 22.3- Limits of Phishing cover

The Insurer shall indemnify the Insured up to the amount of the sums remaining to be paid by the Insured after any indemnification by Green Got under the "Essential Account Green Got" contract, pursuant to the regulations in force and up to 1,000€ per year.

Coverage for Phishing is provided when the loss exceeds €50.

3. Article 22.4 - Specific exclusions relating to Phishing cover

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL COVERAGES DEFINED IN ARTICLE 3, THE FOLLOWING ARE EXCLUDED FROM PHISHING COVER:

AND

4. Article 22.5 - Reporting a claim under phishing cover

A. Reporting deadlines

To benefit from the Phishing guarantee, the Insured must declare his or her Claim in the Green Got application. Implementation conditions:

In the event of a payment made voluntarily by the Insured as a result of Phishing: the Insured must notify Green Got within two (2) working days of the payment being made.

B. Documents to be provided
C. Payment of benefits

The Insured receives the benefit in euros to the account linked to the Insured Card within 15 days (fifteen) of receipt of the complete file and approval by the Insurer.

CARD INSURANCE AND ASSISTANCE BENEFITS ASSOCIATED WITH THE PREMIUM ACCOUNT

INFORMATION NOTICE

Insurance and assistance contracts governed by the French Insurance Code (Code des assurances)

DOMINO SAS (hereinafter referred to under the brand name Green Got): a simplified joint stock company with share capital of €24,809.70, registered with the Nanterre Trade and Companies Register under no. 883 981 763, domiciled at 20 bis Rue Louis-Philippe, 92200 Neuilly-Sur-Seine, has taken out the following contracts:

The above contracts have been underwritten through OWEN, a SAS with capital of 16,118 euros, headquartered at 38 rue François Villon, 91450 Soisy sur Seine, France, registered with the Evry Trade and Companies Registry under number 852449131, and registered as an insurance broker with the ORIAS under number 19005949.

4. TITLE 1- INSURANCE GUARANTEES CARRIED OUT BY CNP CAUTION AND CNP Assurances IARD

5. PROVISIONS COMMON TO ALL INSURANCE COVERAGES

1. Article 1 - Definitions

For ease of understanding, the definitions below apply to all insurance benefits, unless otherwise specified for each benefit.

Defined terms are capitalized in this information notice.

Insured: natural person of legal age holding the Green Got Insured Card, acting in a non-professional capacity, and who resides for tax purposes in mainland France, the French overseas departments and regions.

Insured Card: means the payment card associated with the Premium account, held by the Insured and provided to him/her by Green Got.

Contract: account insurance contract n°A734K taken out by Green Got with CNP Caution and CNP Assurances IARD, of which the present information notice describes the insurance guarantees.

Broker: Owen, who also manages the insurance guarantees on behalf of the Insurers.

Exclusion of cover: clause which deprives the Insured of cover due to the circumstances of the occurrence of the risk. It is up to the Insurer to prove the exclusion. Exclusions are either common to all coverages, or specific to one or more coverages.

Invoice: document drawn up by the seller of the Goods or the tour operator and given to the Insured, containing the following information:

Civil War : declared or undeclared opposition or any other warlike or armed activity by two or more parties belonging to the same State, including :

Civil War includes :

Foreign War: declared or undeclared war or other warlike activity, including the use of military force by any sovereign nation against another sovereign nation:

Agent: a person who is subordinate to the Insured by virtue of an employment contract.

Claim: a random event which is likely to result in the application of one of the insurance coverages of the Contract, as described in this information notice. The date of the Claim is the date on which the event causing the damage occurs.

Biological Substances: Any pathogenic (disease-producing) micro-organism and/or biologically produced toxin (including genetically modified organisms and chemically synthesized toxins) capable of causing illness, disability or death in humans or animals.

Chemical Substances: Any solid, liquid or gaseous component which, depending on how it is handled, is likely to cause disease, disability or death in humans or animals.

Nuclear Substances: Any element, particle, atom or material which, through emissions, discharges, dispersions, releases or escapes of radioactive materials, emits a level of radiation by ionization, fission, fusion, breakdown or stabilization.

Policyholder: Green Got, the trading name of Domino SAS.

Third Party: any person other than the Insured, his/her Spouse, ascendants, descendants or Employee.

2. Article 2 - Commencement and termination of cover

**Cover is acquired by the Insured from the date of subscription to the Insured Card. They are linked to the period of validity of the Insured Card.

Coverage automatically ceases on the same dates in the event of cancellation, surrender, non-renewal, blocking, withdrawal or return of the Insured Card.

Coverage also ceases in the event of termination of the contract, for any reason whatsoever; in this case, the Insured will be notified two months prior to the effective date of termination.

The end of the Insured Card's validity entails the loss of the Insured's right to cover, unless the service or good for which cover is requested in this Policy was paid for, in whole or in part, using the Insured Card before its expiration date. The declaration of loss or theft of the Insured Card does not suspend the present insurance cover.

3. Article 3 - Exclusions common to all insurance coverage

IN ADDITION TO THE EXCLUSIONS SPECIFIC TO EACH INSURANCE COVERAGE, THE INSURER SHALL NOT BE LIABLE FOR DAMAGE CAUSED BY THE FOLLOWING:

4. Article 4 - Premiums

The Policyholder pays the Contract Premium, the cost of which is included in the price of the Insured Card.

5. Article 5 - Contract modifications

The terms and conditions of the Contract may change. In this case, the Policyholder will notify the Insured of such changes by any means no later than one month before the date of application.

6. Article 6 - Claims handling

In order to benefit from the present insurance cover, the Insured must declare a Claim, in accordance with the terms and conditions defined in each cover.

7. Article 7 - Territoriality of insurance cover in the event of a Claim

The insurance covers Claims occurring anywhere in the world, subject to the limits set out in Article 16 of this Policy.

8. Article 8 - Claims

In the event of dissatisfaction with the insurance cover linked to the Insured Card, the Insured may make a claim:

The Broker undertakes to acknowledge receipt of or respond to the claim within 10 working days of sending it.

In any event, the Broker will respond to the claim within two (2) months maximum from the date it is sent.

In the event of disagreement with the response given, or in the absence of a response within two (2) months of the initial complaint being sent, the Insured may contact the Insurance Mediator free of charge:

Referral to the Mediation officer suspends the limitation period defined in article 9 from the date of notification of the admissibility of the referral.

The Mediator's opinion is not binding on the parties, and the Insured is free to refer the matter to the competent courts. In the event of online subscription to a product or service, the Insured may also have recourse to the European Online Dispute Resolution platform (RLL) at http://ec.europa.eu/consumers/odr/.

9. Article 9 - Limitation period

The provisions relating to the prescription of actions deriving from the Contract are set out in Articles L.114-1 to L.114-3 of the Insurance Code reproduced below:

Article L.114-1 of the French Insurance Code: "All actions deriving from an insurance contract are time-barred two years after the event giving rise to them. By way of exception, claims arising from an insurance contract relating to damage resulting from land movement caused by drought and soil dehydration, recognized as a natural disaster under the conditions set out in article L.125-1, are subject to a five-year limitation period from the event giving rise to the claim. However, this period does not run :

When the Insured's action against the Insurer is based on recourse by a third party, the period of prescription runs only from the day on which the third party took legal action against the Insured or was compensated by the Insured.

The limitation period is extended to ten years in personal accident insurance contracts, when the beneficiaries are the rightful claimants of the deceased Insured. For life insurance contracts, notwithstanding the provisions of the 2nd paragraph, the Beneficiary's actions are time-barred no later than thirty years from the date of the Insured's death.

Article L.114-2 of the French Insurance Code: "Prescription is interrupted by one of the ordinary causes of interruption of prescription and by the appointment of experts following a Claim.

The interruption of prescription of the action may, in addition, result from the sending of a registered letter with acknowledgement of receipt or an electronic registered letter addressed by the Insurer to the Insured with regard to the action for payment of the premium and by the Insured to the Insurer with regard to the settlement of the indemnity."

Article L 114-3 of the French Insurance Code: "Notwithstanding Article 2254 of the French Civil Code, the parties to an insurance contract may not, even by mutual agreement, modify the duration of the limitation period, nor add to the causes of its suspension or interruption.

The ordinary causes of interruption of the limitation period referred to in article L114-2 of the Insurance Code are set out in articles 2240 to 2246 of the Civil Code, reproduced below:

Article 2240 of the Civil Code: "Recognition by the debtor of the right of the person against whom he was prescribing interrupts the prescription period".

Article 2241 of the Civil Code: "A legal claim, even in summary proceedings, interrupts the limitation period as well as the foreclosure period. The same applies when the claim is brought before an incompetent court or when the act of bringing the claim before the court is annulled due to a procedural defect".

Article 2242 of the French Civil Code: "The interruption resulting from a legal claim produces its effects until the proceedings are extinguished".

Article 2243 of the Civil Code: "The interruption is null and void if the plaintiff withdraws his claim or allows the proceedings to lapse, or if his claim is definitively rejected".

Article 2244 of the French Civil Code: "The prescription period or the foreclosure period is also interrupted by a protective measure taken in application of the Code of Civil Enforcement Procedures or an act of forced execution".

Article 2245 of the French Civil Code: "The interpellation made to one of the joint and several debtors by a legal demand or by an act of forced execution, or the recognition by the debtor of the right of the person against whom he was prescribing, interrupts the prescription period against all the others, even against their heirs.

On the other hand, the interpellation of one of the heirs of a joint and several debtor, or the acknowledgement of this heir, does not interrupt the prescription period with regard to the other co-heirs, even in the case of a mortgage claim, if the obligation is divisible. This interpellation or acknowledgement interrupts the limitation period, with respect to the other co-debtors, only for the share for which this heir is liable. To interrupt the prescription period for the whole, with regard to the other co-debtors, an interpellation must be made to all the heirs of the deceased debtor, or an acknowledgement made by all these heirs.

Article 2246 of the Civil Code: "The interpellation made to the principal debtor or his acknowledgement interrupts the prescription period against the guarantor".

For any updates to the aforementioned provisions, please consult the official website: <www.legifrance.gouv.fr>. (Connection cost depends on access provider).

10. Article 10 - Subrogation

The Insurer may request the party responsible for the Loss to reimburse the compensation paid to the Insured.

In accordance with the provisions of article L. 121-12 of the French Insurance Code, the Insurer is subrogated, up to the amount of the indemnity paid by it, in the rights and actions of the Insured against the Third Parties responsible for the Loss.

In the event that subrogation can no longer be exercised in favour of the Insurer, due to the Insured's fault, the latter may be discharged, in whole or in part, from its obligations towards the Insured to the extent that subrogation could have been exercised.

11. Article 11 - Plurality of insurance

In accordance with article L.121-4 of the French Insurance Code: "A person who is insured by several insurers under several policies, for the same interest, against the same risk, must immediately inform each insurer of the other insurers.

The Insured must, at the time of this communication, make known the name of the insurer with whom another insurance policy has been taken out and indicate the sum insured.

When several insurances against the same risk are taken out fraudulently or deceitfully, the penalties set out in the first paragraph of Article L. 121-3 of the French Insurance Code apply.

When they are contracted without fraud, each of them produces its effects within the limits of the guarantees of the contract and in compliance with the provisions of article L. 121-1 of the Insurance Code, whatever the date on which the insurance was taken out.

Within these limits, the beneficiary of the contract may obtain compensation for damages from the insurer of his or her choice.

In relations between insurers, the contribution of each of them is determined by applying to the amount of the loss the ratio existing between the indemnity that it would have paid had it been alone and the cumulative amount of the indemnities that would have been payable by each insurer had it been alone."

12. Article 12 - Applicable language and law

Pre-contractual and contractual relations between the Insurer, the Policyholder, the Broker and the Insured are governed by French law.

The Insurer undertakes to use the French language throughout the duration of the Contract.

13. Article 13 - Supervisory authority

The supervisory authority for the Insurer, the Policyholder and the Broker is the Autorité de Contrôle Prudentiel et de Résolution (ACPR) - 4 Place de Budapest - CS 92459 - 75436 PARIS CEDEX 09.

14. Article 14 - Opposition to telephone canvassing

The Insured may register on the opposition to telephone canvassing list by sending a letter to Worldline - Service Bloctel CS 61311 - 41013 Blois Cedex or on the Internet - <www.bloctel.gouv.fr>. 15. Article 15 - Protection of personal data In accordance with Regulation n°2016/679 on the protection of individuals with regard to the processing of personal data and on the free movement of such data ("RGPD") and in accordance with the amended "Informatique et Libertés" Law, the processing of your personal data is necessary for the management of your insurance contract, compliance with a legal obligation, the exercise of a legitimate interest by CNP Caution or by CNP Assurances IARD or by Owen.

The purpose of the processing carried out is:

For CNP Caution and CNP Assurances IARD: the management and performance of insurance contracts; the preparation of statistics and actuarial studies; the exercise of recourses and the management of claims and litigation; the enforcement of legal, regulatory and administrative provisions in force, in particular the fight against money laundering, against the financing of terrorism and against fraud; operations relating to customer management; the improvement of customer service enabling us to offer products or services that reduce claims, to offer a contract or a complementary service; the management of people's opinions on products and services.

For CNP Assurances IARD: operations relating to customer management.

For Owen: the conclusion, management and performance of insurance contracts; the exercise of rights of recourse and the management of claims and litigation; the enforcement of legal, regulatory and administrative provisions in force, in particular the fight against money laundering, the financing of terrorism and fraud; operations relating to customer management.

The recipients of this personal data are, within the strict framework of the purposes set out above: the duly authorized personnel of CNP Caution or CNP Assurances IARD or Owen, their respective service providers, partners, subcontractors and, where applicable, the social organizations of the persons involved, insurance intermediaries, as well as persons interested in the contract. Any such transfers of personal data are formalized in a contractual framework between the parties concerned.

Your personal data will be kept throughout the life of the contractual relationship, until the expiry of both the statutory limitation periods and the periods stipulated by the various retention obligations imposed by regulations.

For CNP Caution: for more information you can visit our website "cnp.fr", https://www.cnp.fr/particuliers/info-reglementee/donnees-personnelles.

For CNP Assurances IARD: your personal data related to your contract is kept ten (10) years after the termination of your insurance contract.

You have the right to access, rectify and delete your personal data. Where consent is required for processing, you have the right to withdraw it. Under certain regulatory conditions, you have the right to request the restriction of processing or to object to it.

You can also request the portability of the data you have provided when it was necessary for the contract or when your consent was required.

You can exercise these rights by contacting us directly:
By e-mail For CNP Caution : dpo@cnp.fr
For CNP Assurances IARD : dpo.poleassurances@cnp.fr
For Owen : dpo@getowen.eu
By mail For CNP Caution and CNP Assurances IARD: CNP Assurances - Service DPO, TSA n°16939, 4 Promenade Cœur de Ville 92130 Issy-Les-Moulineaux
For Owen: Délégué à la Protection des Données OWEN, 38 rue F.Villon, 91450 Soisy sur Seine

You also have the right to give us instructions on what to do with your personal data after your death.

In the event of persistent disagreement concerning your data, you have the right to contact the CNIL at the following address: Commission Nationale Informatique et Libertés, 3 place de Fontenoy 75007 Paris, https://www.cnil.fr/fr/vous-souhaitez-contacter-la-cnil, 01 53 73 22 22.

16. Article 16 - Combating money laundering and the financing of terrorism (LCB-FT)

Compliance with LCB-FT regulations

In accordance with legal and regulatory provisions relating to the fight against money laundering and the financing of terrorism, the Insurers, Green Got and Owen are bound by a duty to identify and verify the identity of the customer and his beneficial owner where applicable, to maintain up-to-date knowledge of the customer and the business relationship, and to exercise constant vigilance over the transactions carried out and their consistency with the knowledge they have of the customer. In this respect, the customer or, where applicable, his legal representative, undertakes to provide the Insurers, Green Got and Owen, as and when required, with any information that may be useful in updating their knowledge of the customer and the purpose and nature of the business relationship. Likewise, in view of the Insurers', Green Got and Owen's obligation of constant vigilance over operations, the customer undertakes to provide them with all useful information concerning, in particular, the purpose and nature of the operations carried out, the origin and destination of the funds, and the identity of the beneficiary(ies) of the funds by producing, where appropriate, any documentary evidence. These verifications may delay the execution of a transaction, which the customer acknowledges and accepts. Failing to obtain the necessary proof, the Insurers, Green Got and Owen may not execute or may cancel an operation and reserve the right to terminate the business relationship.

International sanctions

The Insurers, Green Got and Owen are required to comply with national and international financial sanctions put in place by the relevant authorities against a state, person or organization. In order to comply with their obligations, they may have to suspend, not execute or cancel a transaction, and reserve the right to terminate the business relationship.

The Insurers will not provide any guarantee or coverage, nor assume any benefit, nor provide any service described herein, if to do so would expose them to any international sanction, prohibition or restriction as defined by the United Nations, and/or France and/or the European Union, and/or the United Kingdom and/or the United States of America.

In this respect, and cumulatively with any other territorial exclusions defined in the present document, insurance benefits will not be provided for operations in connection with countries and territories subject to sanctions by the United Nations, and/or France and/or the European Union, and/or the United Kingdom and/or the United States of America, as well as countries on the FATF (Financial Action Task Force) blacklist.

These lists may change from time to time, and customers are advised to contact their bank for information on any transactions planned with countries likely to appear on the above-mentioned lists.

17. Article 17 - Fight against corruption

Throughout the duration of the relationship, Insurers are required to comply with Law no. 2016-1691 of December 9, 2016 relating to transparency, the fight against corruption and the modernization of economic life, as well as all applicable laws, regulations and international standards relating to Breaches of Probity.

In this context, the Insured undertakes throughout the term of the contract to comply with the provisions relating to the fight against any breach of probity and to refrain from carrying out any act likely to be qualified as a crime or offence under the regulations in force, in France or abroad. The CNP ASSURANCES Group Code of Conduct, entitled C@pEthic, which sets out the Group's procedures for combating corruption and influence peddling, is available online at cnp.fr.

The Insured's involvement in a prohibited activity, or the absence of information provided by the Insured, at the Insurers' request, to justify the compliance of operations with the regulations in force, constitutes grounds for termination of the business relationship.

Summary of insurance cover and compensation limits

The information below is only a brief description of the cover provided in this information sheet.

"COMPLETION OF DELIVERY, IDENTITY PAPERS AND FRAUD" GUARANTEES

Guarantees Ceilings
Good Delivery Guarantee Max 2,000 €/Classic year and up to 3,000 €/Calendar year.
Loss and Theft of Identity Papers guarantee Max 350 €/Injury and per calendar year
Fraudulent Use of Payment Card up to €3,000/calendar year
Phishing up to €1,000 per calendar year.

"TRAVEL" INSURANCE

Garanties Plafonds
Transport delay guarantee Max 400 € TTC per delay
Luggage delay guarantee Max 800 € incl. tax / Luggage (*)
Luggage loss, theft or damage guarantee Max 800 € incl. tax per Luggage (*)
Vehicle rental guarantee 2 claims per calendar year.

(*) If the "Baggage delay" and "Baggage loss, theft or damage" coverages are combined for the same event, the total indemnity may not exceed a maximum of €800 inc. tax.

6. PROVISIONS SPECIFIC TO "DELIVERY COMPLETION, IDENTITY PAPERS AND FRAUD" COVER

1. Article 18 - Good Delivery Guarantee

1. Article 18.1 - Definitions specific to the Good Delivery Completion Guarantee

Non-conforming delivery: the Good delivered is :

Non-delivery: non-receipt of the Good by the Insured after a period of thirty (30) working days following the debit of the order appearing on the statement of account of the Insured Card.

2. Article 18.2 - Purpose of Good Delivery Completion cover

The purpose of the guarantee is to reimburse the Goods purchased with the Insured Card, in the event of non-conforming Delivery or Non-Delivery.

Non-conforming Delivery must be noted within a maximum period of twenty (20) working days from receipt of the goods.

**Before invoking this warranty, the Insured must invoke the legal warranties against the seller and the manufacturer. These legal warranties are provided for in articles 1641 and 1648 paragraph 1 of the French Civil Code and articles L217.3 et seq. of the French Consumer Code.

In the event of non-delivery, in accordance with the deadlines initially announced by the seller, the Insured will send a written reminder to the seller.

3. Article 18.3 - Limits of Good Delivery Completion cover

The Insurer shall indemnify the Insured in accordance with the limits and ceilings of the cover set out below:

The Insurer will reimburse an amount corresponding to the Purchase Value of the Property, subject to payment of the sums actually paid to the seller.

The Good Delivery Completion Guarantee cannot be combined with the Purchase Guarantee.

4. Article 18.4 - Exclusions specific to the Good Delivery Completion warranty

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL WARRANTIES DEFINED IN ARTICLE 3, THE FOLLOWING ARE EXCLUDED FROM THE GOOD DELIVERY COMPLETION WARRANTY:

5. Article 18.5 - Reporting a claim under the Good Delivery Completion guarantee
A. Reporting deadlines

To benefit from the Good Delivery Completion guarantee, the Insured must declare his or her Claim to the Broker within thirty (30) working days of becoming aware of it, via the Green Got application. In the tab where the guarantees are presented, the Insured can press the "declare a claim " button.

**Failure to do so will result in the loss of all rights to cover for the Claim in question if the Broker establishes that the delay in reporting has caused it prejudice. This provision does not apply if the delay is due to a fortuitous event or force majeure.

B. Documents to be provided

The production of the documents listed below is necessary for the Insurer to take charge of the claim.

C. Payment of the service

The Insured shall receive the benefit in euros to the account linked to the Insured Card within 15 days (fifteen) of receipt of the complete file and approval by the Insurer.

2. Article 19 - Surrender

When the Insurer has declared the Good irreparable, and once the Insurer has compensated the Insured, the Good becomes the property of the Insurer (article L. 121-14 of the French Insurance Code).

3. Article 20 - Loss or Theft of Identity Papers cover

1. Article 20.1 - Definitions specific to Loss or Theft of Identity Papers cover

Identity papers: Refers to the following identity documents issued by a French administration: national identity card, passport, driving license, vehicle registration certificate, residence permit.

Theft: Refers to the fraudulent removal of identity papers.

2. Article 20.2 - Purpose of Loss or Theft of Identity Papers cover

The purpose of this cover is to reimburse the Insured for the cost of renewing his/her identity papers. This includes :

3. Article 20.3 - Limits of cover for Loss or Theft of Identity Papers

The Insurer will reimburse the Insured for the cost of renewing his/her identity papers up to a limit of 350 euros per claim and per calendar year.

4. Article 20.4 - Exclusions relating to Loss or Theft of Identity Papers cover

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL COVERAGES DEFINED IN ARTICLE 3, THE FOLLOWING ARE EXCLUDED FROM LOSS OR THEFT OF DOCUMENTS COVERAGE:

5. Article 20.5 - Reporting a claim for Loss or theft of identity papers
A. Reporting deadlines

To benefit from the guarantee, the Insured must declare his or her Claim to the Insurer within thirty (30) working days of becoming aware of it via the Green Got application. In the tab where the coverages are presented, the Insured can press the "declare a claim " button.

**Failure to do so will result in the loss of all rights to cover for the Claim in question if the Broker establishes that the delay in reporting has caused him/her prejudice. This provision does not apply if the delay is due to a fortuitous event or force majeure.

B. Documents to be provided

The production of the documents listed below is necessary for the Insurer to take charge of the claim.

C. Payment of benefits

The Insured receives the benefit in euros to the account linked to the Insured Card within 15 days (fifteen) of receipt of the complete file and approval by the Insurer.

4. Article 21 - Fraudulent use of the Insured Card

1. Article 21.1 - Definitions specific to Fraudulent Use cover

Fraudulent use: any payment or withdrawal transaction using the lost or stolen Insured Card, carried out by a Third Party before the Insured Card is blocked.

Theft: theft by a Third Party, duly recorded by filing a complaint with the competent authorities describing the circumstances of the theft.

2. Article 21.2 - Purpose of Fraudulent Use cover

The purpose of this cover is to reimburse the Insured :

3. Article 21.3 - Limits of Fraudulent Use cover

The Insurer indemnifies the Insured up to the amount of the sums remaining to be paid by the Insured after any indemnification by Green Got under the "Green Got premium account" contract, in accordance with the regulations in force and within the limit of 3000€ per year.

4. Article 21.4 - Exclusions relating to the Use guarantee

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL COVERAGES DEFINED IN ARTICLE 3, THE FOLLOWING ARE EXCLUDED FROM THE FRAUDULENT USE OF THE INSURED CARD GUARANTEE:

5. Article 21.5 - Reporting a fraudulent use claim
A. Reporting deadlines

To benefit from the Fraudulent Use cover, the Insured must :

**Failure to do so will result in the loss of all rights to cover for the Claim in question if the Broker establishes that the delay in reporting has caused him/her prejudice. This provision does not apply if the delay is due to a fortuitous event or force majeure.

B. Documents to be provided

The production of the documents listed below is necessary for the Insurer to take charge of the claim.

C. Payment of benefits

The Insured receives the benefit in euros to the account linked to the Insured Card within 15 days (fifteen) of receipt of the complete file and approval by the Insurer.

5. Article 22 - Phishing cover

1. Article 22.1 - Specific definition of the Phishing warranty

**Phishing": an Internet fraud technique designed to obtain sensitive personal information, in particular the user name, password and confidential information attached to the insured card, in order to make payments on behalf of the Insured or to steal sums of money.

2. Article 22.2 - Purpose of Phishing cover

The purpose of Phishing cover is to cover direct financial losses suffered by the Insured:

Ø in the event of payment made voluntarily by the Insured as a result of Phishing, Ø as a result of a third party using the confidential information on the insured card to make an online payment or to misappropriate any sum of money as a result of Phishing.

3. Article 22.3 - Limits of Phishing cover

The Insurer indemnifies the Insured up to the amount of the sums remaining to be paid by the Insured after any indemnification by Green Got under the "Premium Green Got account" contract, by virtue of the regulations in force and within the limit of 1,000€ per year.

Coverage for phishing occurs when the loss exceeds €50.

4. Article 22.4 - Specific exclusions relating to Phishing cover

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL COVERAGES AS DEFINED IN ARTICLE 3, THE FOLLOWING ARE EXCLUDED FROM PHISHING COVER:

5. Article 22.5 - Reporting a claim under phishing cover
A. Reporting deadlines

To benefit from the Phishing guarantee, the Insured must declare his or her Claim in the Green Got application. Implementation conditions:

In the event of a payment made voluntarily by the Insured as a result of Phishing: the Insured must notify Green Got within two (2) working days of the payment being made.

B. Documents to be provided
C. Payment of benefits

The Insured shall receive the benefit in euros to the account linked to the Insured Card within 15 days of receipt of the complete file and approval by the Insurer.

SPECIFIC PROVISIONS FOR "TRAVEL" COVER

6. Article 23 - Definitions common to "Travel" cover

Insured(s): the following persons are considered as Insured(s), whether they are travelling together or separately and whatever their mode of transport:

The following persons are considered as Insured Persons, only when they are staying with their grandparent who is the Insured Cardholder, and exclusively for the duration of the trip, regardless of their mode of transportation:.

Spouse :

Proof of PACS must be provided in the form of a PACS certificate.

Proof of cohabitation will be provided by a certificate of cohabitation or, failing that, a sworn statement of marital status and proof of residence established prior to the application for benefit.

Covered Trip: any trip or stay over a distance of more than 100 km from the Insured's principal residence or usual place of work, within the limit of the first one hundred and eighty (180) consecutive days, for which payment was made, in whole or in part, using the Insured Card before the occurrence of the Loss.

In the event of a Claim, it is the Insured's responsibility to provide proof of payment, and the Insurer reserves the right to request any other evidence of payment by the Insured Card.

Article 23 - Delayed transport cover

Article 23.1 - Definitions specific to Delayed Transport cover

The following definitions complete the common definitions.

Public means of transport: commercial means of transport (land, sea, river or air) approved for the carriage of paying passengers by a transport license.

Scheduled flight: scheduled commercial flight whose timetable is published by an airline.

Charter flight: flight chartered by a tourism organization or an airline as part of a non-scheduled service.

Article 23.2 - Purpose of Flight Delay cover

1 - Flight delay

The Insurer reimburses, within the framework of a Covered Trip, up to a limit of 400€ including tax per delay as defined below, regardless of the number of Insureds:

This cover is granted only in the following cases and, for Charter Flights, only those departing from one of the countries of the European Union:
IMPORTANT
- A flight delay of more than four (4) hours on a Regular Flight or more than six (6) hours on a Charter Flight is assessed in relation to the initial departure time shown on the Insured's ticket. Cover is provided on condition that flight confirmation formalities have been completed within the time required by the organizer of the Covered Trip.
- The departure times, connections and destinations are those shown on the Insured's ticket.
- European Community regulation 261/2004, which came into force on February 17, 2005, lays down rules on compensation and assistance in the event of denied boarding, cancellation or long delay of a flight. To this end, we invite the Insured to contact the carrier to assert his or her rights.
- Our guarantee will intervene after exhaustion and exclusively in addition to the indemnities to be paid by the carrier.
1.2 SNCF train delay

The Insurer will reimburse up to 400€ (incl. VAT) per delay, regardless of the number of Insured Persons, within the framework of a Covered Trip:

This cover is granted only in the following cases:

Our guarantee will be provided after exhaustion and exclusively in addition to the compensation payable by the SNCF.**

Article 23.3 - Maximum commitment and limitations

The maximum commitment is set at €400 per delay.

Article 23.4 - Exclusions from Delayed Transport cover

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL INSURANCE COVERAGES NO REIMBURSEMENT WILL BE MADE:

Article 24 - Baggage delay cover

Article 24.1 - Purpose of baggage delay cover

In the case of a Covered Trip, we will reimburse up to 800€ (incl. VAT) per delay, regardless of the number of Insureds, for essential purchases that must be obtained urgently: clothing or toiletries, which were in the delayed baggage.

This cover applies to baggage duly checked in and placed under the responsibility of the airline or SNCF and arriving more than four (4) hours after the Insured's arrival time at the airport or station.
IMPORTANT
- For SNCF, only published timetables will be taken into consideration.
- **Our guarantee will intervene after exhaustion and exclusively in addition to the indemnities to be paid by the carrier, in particular in application of the Warsaw Convention of October 12, 1929 and the Montreal Convention of May 28, 1999, in the event of Baggage delay.
- In order for this cover to apply, the Insured, as soon as he/she becomes aware of the delay to his/her Baggage, must report it to a competent and authorized person at the airline or SNCF, who will issue him/her with a claim form to be completed and retained.

Article 24.2 - Maximum commitment and limitations

Our maximum liability is set at €800 (incl. VAT) per delay, it being specified that the amount reimbursed under the "LUGGAGE DELAY" cover will be deducted from the amount we would have to reimburse under the "LOSS, THEFT OR DETERIORATION OF LUGGAGE" cover, and vice versa.

Article 24.3 - Effect, termination and duration of Baggage Delay cover

This cover takes effect from the date of delay of more than four (4) hours in relation to the Insured's arrival time at the airport or station, and ceases on the date of the Insured's return home.

Article 24.4 - Exclusions relating to Baggage Delay cover

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL INSURANCE COVERAGES (ARTICLE 3), NO REIMBURSEMENT WILL BE MADE FOR:

Article 25 - Baggage loss, theft or damage cover

Article 25.1 - Definitions specific to this cover

Luggage : Suitcases, trunks, travel bags and their contents, insofar as they are clothing, effects, personal objects and Valuables taken or acquired during the Covered Trip.

Out-of-pocket expenses: Sum remaining to be paid by the Insured following the occurrence of an event leading to the implementation of one of the coverages provided for in this information notice.

Valuables : Objects whose purchase value is greater than or equal to €250 incl. VAT: jewelry, objects made from precious materials, precious stones, pearls, watches, furs, portable cinematographic, photographic, computer or telephone equipment, sound or image recording or production equipment and accessories.

Refund Value: For the first year from the date of purchase, the amount refunded will be equal to the purchase value of the Baggage or Valuable Item. The following year, the refund amount will be calculated at 75% of the purchase price.

In subsequent years, the value will be reduced by a further 10% per year.

Article 25.2 - Purpose of baggage loss, theft or damage cover

We cover, up to a limit of 800€ (incl. VAT) per Baggage item, the theft, loss or total or partial deterioration of the Insured's Baggage. This cover applies when the Insured's Baggage is duly checked in and placed under the responsibility of the airline or SNCF company with which the Insured is making a Covered Trip. For Valuables, we will reimburse up to €250 inc. tax per Valuables and up to €800 inc. tax per Baggage item.
IMPORTANT
Our guarantee will be applied after exhaustion and exclusively in addition to the compensation payable by the carrier, in particular in application of the Warsaw Convention of October 12, 1929 and the Montreal Convention of May 28, 1999, in the event of theft, loss or total or partial destruction of Baggage.
For this cover to apply, the Insured, as soon as he/she becomes aware of the loss, theft or deterioration of his/her Baggage, must declare it to a competent and authorized person at the airline or SNCF, who will issue a claim form to be completed and kept.
Please remember to declare to the airline or SNCF any Valuables contained in your Baggage which are under their responsibility.

Article 25.3 - Maximum commitment and limitations

Any compensation due under the "Delayed Baggage" cover will be deducted from the total amount reimbursed when the Baggage is permanently lost, it being specified that the amount that would be reimbursed under the "LOST, STOLEN OR DESTROYED BAGGAGE" cover will be deducted from the amount that we would have to reimburse under the "Delayed Baggage" cover, and vice versa.

Our maximum commitment is set at €800 (incl. VAT) per Baggage item, after calculation of the Reimbursement Value and deduction of a Deductible of €70 (incl. VAT) applied to the total amount of the loss.

Article 25.4 - Loss, theft or damage to baggage exclusions

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL INSURANCE COVERAGES (ARTICLE 3), THE FOLLOWING ARE EXCLUDED FROM THIS COVER:

Article 26 - Rental car cover

Article 26.1 - Definitions specific to rental car cover

Insured :

Out-of-Pocket: portion of the Loss which remains payable by the Insured, up to the amount stipulated in the rental contract, when the Insured has declined the rental company's insurance.

Non-redeemable deductible: Portion of the Loss that remains payable by the Insured, up to the amount stipulated in the rental contract, when the Insured has accepted the lessor's insurance or when it has been imposed.

Rental Vehicle: Any four-wheeled, registered, motorized land vehicle covered by a rental contract with a professional rental company, payment for which has been made, in whole or in part, with the Insured Card prior to the occurrence of the Loss.

Article 26.2 - Purpose of rental vehicle cover

Rental Vehicle coverage is available to Insured Persons during a Covered Trip provided that :
IMPORTANT
To benefit from this guarantee during the Guaranteed Trip, you must:
- **meet the driving criteria imposed by the law, the local jurisdiction or the rental company, **
- drive the Rental Vehicle in accordance with the clauses of the rental contract signed with the rental company,
- rent the vehicle from a professional rental company with the establishment of a rental contract compliant with regulations local.
We cannot, under any circumstances, reimburse you for the rental company's insurance premiums that you would have paid under the rental contract, including those automatically included in the rental contract that you have accepted.

TIP :

When renting a vehicle, the Insurer recommends that the Insured :

In the event of a claim, compliance with these provisions will facilitate the handling of the case.

Article 26.3 - Effect, termination and duration of cover

Coverage takes effect:

This cover takes effect as soon as the keys and papers for the Rental Vehicle are handed over and the rental contract is signed.

Termination of cover:

The guarantee ends as soon as the Rental Vehicle, keys and papers are returned, and in any event at the end of the rental period.

Article 26.4 - Maximum commitment and limitations

Compensation is limited to a maximum of two (2) Claims per Insured Card occurring during the same calendar year.

Article 26.5 - Exclusions relating to rental vehicle cover

IN ADDITION TO THE EXCLUSIONS COMMON TO ALL INSURANCE COVERAGES, THE FOLLOWING ARE EXCLUDED FROM THIS COVER:

AC COBRA, ACURA, ARO, ASTON MARTIN, AUDAX, BENTLEY, BERKELEY CARS, BRIKLIN, BUGATTI, CADILLAC, CATERHAM, CHEVROLET CORVETTE, DODGE (VIPER, STEALTH), COSTE, DAIMLER, DE LOREAN, DE TOMASO, DONKERVOORT, EAGLE, EXCALIBUR, FERRARI, GEO, GILLET, GINETTA, GMC, GRAHAM PAIGE, GTM, HOLDEN, HUDSON, HUMMER, IMOLA, INFINITI, INTERMECANICA, INTERNATIONAL HARVESTER, ISDERA, JAGUAR, JEEP, JENSEN, LAMBORGHINI, LEXUS, LINCOLN, LOTUS, MASERATI, MAC LAREN, MIKRUS, MOPAR, MORGAN, MEGA, PACKARD, PIERCE ARROW, PORSCHE, RILEY MOTOR CAR, ROLLS ROYCE, STALLION, STUDEBAKER, TUCKER, TVR, VENTURI, WIESMANN, CHEVROLET UTILITY VEHICLES, KIT CARS.

Article 27 - Claims handling for "Travel" cover

A- Claims reporting

The Insured must declare any Claim likely to trigger one or more of the coverages provided by the contract, which is the subject of this notice, within fifteen (15) days of the date on which the Insured becomes aware of it, via the Green Got application. In the tab where the coverages are presented, the Insured can press the "declare a claim " button.
IMPORTANT
If the Insured fails to comply with the declaration deadlines and the Insurer proves that this delay has caused him/her prejudice, the Insured or the beneficiary will lose all rights to compensation (forfeiture), unless his/her delay is the result of a fortuitous event or force majeure. The Insured or the beneficiary will lose all rights to compensation if he/she wilfully makes false declarations concerning the date, nature, causes, circumstances or consequences of the Loss, or concerning the existence of other insurance that may cover the Loss. The same will apply if he/she knowingly uses inaccurate documents as proof or employs fraudulent means. It is up to the insurer to provide proof of the false declaration, the use of inaccurate documents or fraudulent means. If benefits have already been paid, they must be reimbursed to the insurer. In all other cases where the Insured or the beneficiary fails to comply with the formalities set out above (except in the case of fortuitous events or force majeure), and if the Insurer proves that this non-compliance has caused him/her prejudice, the Insurer may claim compensation in proportion to this prejudice.

B- Documents to be provided

Documents provided by the Insured must be originals or certified true documents:

**In addition, for "**Transport Delay" cover

In addition, for "Baggage Delay " cover

In addition, for "Loss, Theft or Damage to Luggage " cover

In addition, for "Rental Vehicle " cover

C. Payment of benefits

The Insured shall receive the benefit in euros to the account linked to the Insured Card within 15 days (fifteen) of receipt of the complete file and approval by the Insurer.

7. TITLE 2- ASSISTANCE COVERAGE

DOMINO SAS (hereinafter referred to under the Green Got brand): a simplified joint stock company with share capital of €24,809.70, registered with the Nanterre Trade and Companies Register under no. 883 981 763, registered with the National Register of Intermediaries under no. 21 000 544, domiciled at 20 bis Rue Louis-Philippe, 92200 Neuilly-Sur-Seine, has taken out the following contract:

Collective assistance contract n°FIC24MED0039 with :

FILASSISTANCE INTERNATIONAL (hereinafter referred to as "FILASSISTANCE"), a Société Anonyme with capital of €4,100,000, a company governed by the French Insurance Code, registered with the Nanterre Trade and Companies Register under no. 433 012 689, registered under the unique ADEME identifier: FR329780_01LOPR, with registered offices at 108 Bureaux de la Colline, 92213 SAINT-CLOUD Cedex.

Legal protection cover is provided by FILASSISTANCE INTERNATIONAL, a limited company with capital of €4,100,000, governed by the French Insurance Code, registered with the Nanterre Trade and Companies Register under no. 433 012 689, registered under the unique ADEME identifier: FR329780_01LOPR, headquartered at 108 Bureaux de la Colline, 92213 SAINT-CLOUD Cedex and managed by the legal protection manager CIVIS located at 90, avenue de Flandre, 75019 PARIS (RCS de PARIS n° 323 267 740).
Phone 09 82 06 60 05 (from France)
+33 9 82 06 60 05 (from abroad)
Mail assistance.personnes@filassistance.fr
Address 108 Bureaux de la Colline 92213 Saint-Cloud Cedex
Fax 09 77 40 17 87

Article 28 - Where do the guarantees apply?

Unless otherwise expressly stipulated in article 32 TABLE OF COVERAGES**, assistance cover under the Contract is only payable from the moment when the event giving rise to the claim occurs in France, more than 50 Km from the Home address, or abroad.

Unless otherwise stipulated, cover is only provided within the Member's Zone of residence.

Article 29 - What is the benefit period?

Cover is extended to all Beneficiaries as soon as the Event giving rise to the request for assistance occurs during the period of validity of the Contract.

In the absence of express stipulation to the contrary, the duration of membership is strictly equivalent to the duration of the Group Assistance Contract no. FIC24MED0039 to which it relates.

Coverage ends :

Article 30 - Definitions

*Unless otherwise stipulated, the terms defined below shall be interpreted in the following manner whenever they begin with a capital letter.

Accident: Unintentional injury beyond the control of the Beneficiary, resulting from the sudden, violent and unforeseeable action of an external cause, the nature of which is likely to endanger the very life of the Beneficiary or lead to a significant worsening of his/her condition in the short term if adequate care is not promptly provided.

Member: Any natural person, insured under the A734K insurance contract, having a payment card offered with the Premium account by Green Got and domiciled in France as defined under the terms of the present article.

Beneficiary: Any person living under the same roof as the Member and residing in France as defined under the terms of the Contract likely to benefit from all or part of the benefits and guarantees provided for in the Contract.

Spouse : The spouse married to the Member, not legally separated; the cohabiting partner as defined in article 515-8 of the French Civil Code; or the partner bound to the Member by a Civil Solidarity Pact (PACS).

Contract : Group assistance contract n°FIC24MED0039.

Domicile : The tax home or principal and usual place of residence of the Member declared when subscribing to the payment card...

Foreign: Any country outside France, excluding areas formally advised against by the French Ministry of Foreign Affairs, a list of which, by country, is accessible on the website: https://www.diplomatie.gouv.fr/fr/conseils-aux-voyageurs/conseils-par-pays-destination/.

Event: Any situation covered by this policy that justifies a request for FILASSISTANCE assistance. The Event applicable to each benefit is specified within each benefit.

France: Metropolitan France.

Out-of-pocket expenses: Portion of expenses that remains definitively payable by the Beneficiary.

Area of residence: area covering metropolitan France.

Article 31 - Implementation of benefits

Article 31.1 - Provision of services

FILASSISTANCE is available 24 hours a day, 7 days a week and, after prior agreement, implements the guaranteed services from Monday to Friday, from 9 a.m. to 6 p.m. ** (excluding public holidays).

In the event of repatriation, FILASSISTANCE provides this service 24 hours a day, 7 days a week.

The Beneficiary or his/her family must contact FILASSISTANCE, on the telephone number indicated at the beginning of the notice, prior to any intervention or implementation of a guarantee within a maximum period of five (5) calendar days following either: the date of the intervention or implementation of a guarantee the date of the intervention or implementation of a guarantee the date of the intervention or implementation of a guarantee the date of the intervention or implementation of a guarantee the date of the intervention or implementation of a guarantee

The Beneficiary will then obtain a file number which alone will justify coverage by FILASSISTANCE.

Benefits available abroad are only payable if the insured event occurs before the end of the 90th calendar day following the Beneficiary's date of departure from France. Only private travel for non-medical purposes is covered.

If this prior agreement and time limit are not respected, no expenses incurred by the Beneficiary (or his/her entourage) will be reimbursed.

It is the responsibility of the Beneficiary to provide any document requested by FILASSISTANCE to justify the reality of the event leading to the request for assistance, as well as compliance with the conditions for granting cover.

In the event of an accident or medical emergency, the first reflex should be to call the fire department, the ambulance or the attending physician.

Benefits not used by the Beneficiary during the period of coverage may not be reimbursed after the event or compensated.

The amounts covered, the duration of assistance services and the number of hours mentioned in the benefits are not fixed.

FILASSISTANCE may suspend the implementation of any service requiring intervention in the Home of a Beneficiary when, in view of its state of deterioration, it is considered to be either unhealthy or to present a danger or risk to the health or safety of the FILASSISTANCE service provider. FILASSISTANCE may suspend the provision of any service in the event of criminally reprehensible (assault, racist behaviour, insults, etc.) or violent behaviour by a Beneficiary towards FILASSISTANCE or one of its service providers.

In the event of misrepresentation of the circumstances of the Claim, fraudulent exaggeration of losses, concealment of the existence of other compensation benefits or the use or production of fraudulent or inaccurate documents/substantiation, the Beneficiaries will lose all rights to compensation for the Claim. In the event of misrepresentation of the circumstances of the Claim, fraudulent exaggeration of losses, concealment of the existence of other compensation benefits or the use or production of fraudulent or inaccurate documents/substantiation, the Beneficiaries will lose all rights to compensation for the Claim.

Article 31.2 - Reimbursement of benefits

When the guarantees expressly provide for it, or when the intervention of a service provider is not possible, FILASSISTANCE may authorize the Beneficiary to organize the service himself.

In this case, FILASSISTANCE will reimburse the Beneficiary or the person who incurred the costs, by bank transfer, for the costs incurred, subject to the submission of the following supporting documents:

Reimbursement is subject to the Beneficiary's prior agreement with FILASSISTANCE.

Reimbursement is always made up to the limit of what FILASSISTANCE would have paid if it had organized the service itself. The Beneficiary undertakes to pay any remaining costs to the service provider.

Reimbursement will be paid either to the Beneficiary or to the person who incurred the expenses within thirty (30) working days of receipt of all the aforementioned documents, unless the person concerned is notified of a dispute.

*Any invoice sent in a format that does not guarantee its inalterability (.txt, .docx, .xlsx. or any other format that allows the invoice to be modified after it has been issued) will not be eligible for reimbursement.

Article 31.3 - Medical conditions

The choice of means to be used to respond to a request for assistance is the responsibility of FILASSISTANCE's medical team, who will, if necessary, seek the opinion of the attending physician.

**The duration of coverage is determined by the FILASSISTANCE medical team on the basis of the Beneficiary's state of health and/or family situation.

In order to enable the FILASSISTANCE medical team to make its decision, the latter reserves the right to ask the Beneficiary to provide any original medical document justifying the event that led to the request for assistance.

Medical documents must be sent in a confidential envelope for the attention of the FILASSISTANCE medical department.

Article 31.4 - Conditions for payment of travel tickets

In the event of medical transfer or transport organized and paid for by FILASSISTANCE, the Beneficiary agrees to give priority to the use of his original, modified or exchanged travel tickets.

Failing modification or exchange, the Beneficiary undertakes to take all necessary steps to reimburse the unused tickets and to pay the corresponding sums to FILASSISTANCE, within 90 days of his/her return.

FILASSISTANCE will only cover additional costs (resulting from a change, exchange or reimbursement of transport tickets) in relation to the price of the initial ticket paid by the Beneficiary for his/her return.

Article 31.5 - Conditions for advance payment of expenses

Within the framework of certain benefits stipulated by the Contract, FILASSISTANCE may pay the Beneficiary, at his request, an advance of funds to enable him to meet certain unforeseen expenses.

As a guarantee of repayment by the Beneficiary of the advance granted, FILASSISTANCE will send a certificate of commitment to the Beneficiary, who must return it duly completed and signed by him/her, together with a copy of a valid identity document to FILASSISTANCE. The advance will be implemented upon receipt of the aforementioned certificate of commitment by FILASSISTANCE.

The Beneficiary undertakes to reimburse FILASSISTANCE for the sum advanced by the latter within 3 months of the date of the advance.

If the amount is not repaid within 3 months, it will become immediately payable and FILASSISTANCE may, without prior notice, take any measures likely to ensure its recovery.

Article 31.6 - Delivery of legal protection benefits

The Beneficiary must declare to FILASSISTANCE, at the number indicated at the beginning of the policy and before taking any action, any claim likely to give rise to a right to cover, or any refusal to accept a claim made by the Beneficiary within 60 days of becoming aware of it except in the event of fortuitous circumstances or force majeure, and in any event before taking any action on his part..

At the request of FILASSISTANCE or its legal protection manager, the Beneficiary shall immediately and subsequently provide any documents, information, supporting documents or evidence required to verify coverage, locate the third party, investigate the case and find a solution.

**Expenses incurred prior to this declaration without the prior agreement of FILASSISTANCE will not be reimbursed, unless the Beneficiary can justify that they were incurred as a matter of urgency.

This declaration must be received by FILASSISTANCE before any legal action is taken and before any referral is made to an agent (lawyer, bailiff, expert, etc.), **except in the case of urgent and appropriate protective measures. Should this not be the case, FILASSISTANCE shall be entitled not to pay the costs and fees incurred without prior agreement.

**In the event of misrepresentation, in bad faith, of the facts, events or situation which gave rise to the dispute, or more generally of any element which could be used to resolve the dispute, the Beneficiary shall forfeit all cover.

The Beneficiary shall send to GIE CIVIS - SERVICE DÉCLARATION DE LITIGE, 90 avenue de Flandre, 75019 Paris or giecivis@civis.fr - all documents, information, supporting documents or evidence necessary to verify the guarantees, locate the third party, investigate the case and find a solution.

Article 32 - Table of warranties

ASSISTANCE AVAILABLE IN THE EVENT OF A SKIING ACCIDENT INVOLVING A BENEFICIARY IN FRANCE MORE THAN 50 KM FROM HOME OR ABROAD

For the purposes of these benefits, the following definitions apply:
Rescue costs in the event of a ski accident 2,500 € maximum incl. tax per event

ASSISTANCE SERVICE AVAILABLE IN THE EVENT OF ACCIDENT OR ILLNESS OF A BENEFICIARY ABROAD

For the purposes of these benefits, the following definitions apply:
Advance and additional reimbursement of medical expenses incurred abroad 50,000 € maximum incl. VAT per Event

ASSISTANCE IN THE EVENT OF THE BENEFICIARY'S DEATH IN FRANCE MORE THAN 50 KM FROM HOME OR ABROAD

For the purposes of these benefits, the following definitions apply:
Repatriation of body €1,500 maximum incl. VAT per event

For the purposes of this coverage, the term "Beneficiary" means: the Member.

Legal protection €15,000 maximum incl. VAT per dispute covered
Web cleaning 1,500 € TTC maximum per Litigation

Article 33 - Coverage details

In the event of difficulty in interpreting the above summary table, the wording of the guarantees detailed below shall prevail.

Article 33.1 - Assistance available in the event of a Beneficiary's Skiing Accident occurring in France more than 50 km from the Home or abroad
For the purposes of this article 33.1, "Beneficiary" means the Member, his or her Spouse, children and ascendants who are fiscally dependent,
- "Event" means a Skiing Accident: The Skiing Accident.

Rescue costs in the event of a ski accident

If the Beneficiary is injured as a result of an Accident on a marked ski slope open to skiers at the time of the Accident, FILASSISTANCE will pay for the cost of rescue from the site of the Accident to the nearest medical center, up to a maximum of €2,500 (incl. VAT) per Event.

Excluded from cover: unused lift passes.

Article 33.2- Assistance available in the event of accident or illness of a Beneficiary abroad
For the purposes of this article 33.2, the following definitions apply
- by Beneficiary: The Member, his Spouse, children and ascendants who are fiscally dependent,
- by Event: Accident or Illness.

Advance and complementary reimbursement of medical expenses incurred abroad only
Please note: for claims occurring in the European Union, Iceland, Liechtenstein, Norway and Switzerland, this cover is subject to the Beneficiary holding a European Health Insurance Card (this document is issued by the Caisse primaire d'assurance maladie, at the request of the insured person).
It is therefore the Beneficiary's responsibility to take all the necessary steps to obtain this card prior to his or her departure.

FILASSISTANCE, in addition to the benefits payable by the French social security system, the mutual insurance company or any other individual or group provident organization from which the Beneficiary benefits, reimburses, after deduction of a deductible of €40 inc. tax, the medical and hospitalization expenses incurred on site up to a limit of €50,000 inc. tax per Event, provided that the Beneficiary is insured with a health insurance organization.

At the request of the Beneficiary, FILASSISTANCE will advance medical and hospitalization costs up to a limit of €50,000 (inc. VAT) per Event, and in accordance with the provisions of the article "Conditions for advancing costs".

The care covered by this reimbursement must have been prescribed in agreement with the FILASSISTANCE doctors and will be limited to the period during which they judge the Beneficiary to be untransportable..

Coverage ceases automatically on the date FILASSISTANCE repatriates the Beneficiary*.

As part of the advance payment of medical and hospitalization expenses, the Beneficiary undertakes to take, **upon his return to France, all necessary steps to recover these expenses from the social organizations, and to forward to FILASSISTANCE the original statements justifying the reimbursements obtained from these organizations. The Beneficiary shall enclose with these statements a cheque made payable to FILASSISTANCE or proof of bank transfer to the FILASSISTANCE bank account communicated by the assistance manager.

For reimbursement of medical and hospitalization expenses incurred by the Beneficiary in addition to benefits payable by social security organizations, the latter **must send, in a confidential envelope for the attention of FILASSISTANCE's Medical Director, the original statements justifying the reimbursements obtained from these organizations, as well as the initial medical certificate specifying the nature of the Accident or Illness and any other certificate requested by FILASSISTANCE. Failing this, FILASSISTANCE will not be able to proceed with reimbursement.

Only medical expenses incurred abroad are covered by this benefit.

Article 33.3 - Assistance available in the event of the death of the Beneficiary in France more than 50 km from the Home or abroad
For the purposes of this article 33.3, "Beneficiary" means
- the Member, his or her Spouse, children and ascendants who are fiscally dependent,
- "Event" means : Death.

Body repatriation

In the event of the death of the Beneficiary, FILASSISTANCE organizes and pays for the transportation of the body from the place of death to the chosen place of burial or cremation in France, located in the Beneficiary's Zone of residence..

FILASSISTANCE also covers :

If the cremation takes place at the place of death, FILASSISTANCE organizes and pays for the repatriation of the funeral urn.

Other expenses, such as ceremonies, burial or cremation, remain the responsibility of the deceased's next of kin*.

**However, depending on the expressed wishes of the deceased or his family, FILASSISTANCE may agree, in exceptional circumstances, to modify one of the elements of the guaranteed service or its implementation procedures.

**In this case, the financial coverage may not exceed the amount that would have been incurred if the service had been fully organized by FILASSISTANCE.

Article 33.4 - Legal protection

This cover, which complies with law no. 89-1014 of December 31, 1989, decree no. 90-697 of August 1, 1990 and law no. 2007-210 of February 19, 2007, is governed by the French Insurance Code. The management of legal protection benefits, as defined below, is entrusted to GIE CIVIS, 90 avenue de Flandre, 75019 Paris, registered with the RCS of PARIS, under number 323 267 740.
For the purposes of legal protection cover, the term "Beneficiary" means: the Member
Where applicable, his or her rights are exercised by his or her legal representative.
When the Beneficiary is unable to express his/her will, deprived of discernment, in particular in the event of a disturbance of consciousness, his/her rights may be exercised by his/her legal successors, spouse, cohabitee or partner in a civil solidarity pact, or even by the trustworthy person validly designated by the Beneficiary under the conditions of article L. 1111-6 of the French Public Health Code.
With the exception of requests sent directly by the Beneficiary, the implementation of the clause is expressly motivated by the interest of the Beneficiary; otherwise, Filassistance may refuse its guarantee.

Expenses: legal costs incurred by the lawsuit, not including attorney's fees.

Irreparable costs: sums incurred by a Party in legal proceedings, not included in the Expenses and offset by an indemnity under article 700 of the New Code of Civil Procedure or article 475-1 of the Code of Criminal Procedure or article L 761 1 of the Code of Administrative Justice.

Dispute: situation of conflict caused by a prejudicial event opposing the Beneficiary to one (or more) Third Parties, the direct and exclusive consequence of which is one of the events referred to in the article "Litigation covered" and leading the Beneficiary to assert a contested right.

Alternative Dispute Resolution (ADR): alternative means of amicably resolving Disputes, including conciliation, mediation and participatory proceedings.

Intervention threshold: financial amount of the Litigation in principal below which FILASSISTANCE does not intervene and whose amount is fixed at :

Third Party (or Adversary) : Individual or legal entity not covered by the present contract and who is opposed to the Beneficiary.

FILASSISTANCE, CIVIS, the partners involved in the implementation of the assistance guarantees in the present policy and GREEN GOT are not considered third parties.

Litigation covered

Only Disputes whose occurrence is uncertain on the date the Beneficiary joins the Contract are covered.

Filassistance provides the Beneficiary with the legal and financial resources required to inform, assist and defend him/her, in order to assert and enforce his/her rights, in the event of the Disputes specified below.

Subject to the limitations and exclusions set out in these general terms and conditions, Filassistance intervenes when a Dispute arises in the following areas:

**1) Legal information

In addition to the Legal Protection cover, FILASSISTANCE and its manager provide the Beneficiary with its legal information service in connection with the insured Dispute.

Its legal experts answer by telephone any documentary legal questions the Beneficiary may have from Monday to Friday, 8:00 am to 8:00 pm by telephone and by Internet 24 hours a day on the website <www.civis.fr>..

2) Legal protection service

2.1. friendly file management

In the event of a covered Dispute and within the limits set out in the article "Guaranteed Amounts" below, FILASSISTANCE and its manager will intervene alongside the Beneficiary in order to assert his or her rights and, with his or her agreement, implement any interventions or steps aimed at achieving an amicable outcome.

The services provided to the Beneficiary take the form of :

If the Beneficiary is informed that the third party is assisted by a lawyer, or if FILASSISTANCE itself is so informed, the Beneficiary must also be assisted by a lawyer.

If FILASSISTANCE is unable to reach an amicable settlement, the Beneficiary will be guided either to :

2.2. Support in the event of legal proceedings

If the Litigation enters the judicial phase, or in the event of a conflict of interest, in accordance with article L.127-3 of the French Insurance Code, FILASSISTANCE undertakes to respect the principle of free choice of lawyer to whom the Beneficiary wishes to entrust the defense of his interests.

The Beneficiary may ask FILASSISTANCE, in writing, to provide him/her with the contact details of a lawyer.

The Beneficiary will be in charge of the legal proceedings, i.e. he/she will be in control of any instructions or measures that may be necessary during the proceedings, with the assistance of FILASSISTANCE if he/she so wishes.

FILASSISTANCE and the administrator undertake to handle the case in compliance with procedures relating to professional secrecy.

2.3 Web cleaning

FILASSISTANCE cleans and clears the Beneficiary's data from the Internet.

**This service is covered up to a limit of €1,500 (inc. VAT) per dispute covered.

**3) Amounts covered

FILASSISTANCE will pay the agents' fees and expenses directly, up to the amounts indicated below.

It is the responsibility of the Beneficiary to pay any sums, provisions or sureties that may be required to meet unsecured expenses.

**The costs of consultation or legal proceedings incurred by the Beneficiary without the prior agreement of FILASSISTANCE will not be covered, unless the Beneficiary can justify the urgency of having requested them.

In all cases, it will be necessary to obtain FILASSISTANCE's prior agreement to cover the costs and fees associated with any action or recourse that the Beneficiary intends to pursue, in order to enable it to examine the merits and appropriateness of such action or recourse, through the communication of all useful documents. The same applies to the acceptance of a settlement.

**In the absence of such prior agreement, FILASSISTANCE will not pay these costs and fees.
**FILASSISTANCE never covers:
- Fines and sums of any kind which the Beneficiary would be obliged to pay or reimburse to the Third Party(ies).
- Costs and Expenses incurred by the Third Party(ies) and charged to the Beneficiary.
- Fees for results.- Costs and interventions made necessary or aggravated by the sole fault of the Beneficiary.
- Investigations to identify or locate the Third Party(ies).
- Costs incurred without the agreement of FILASSISTANCE.
The amounts indicated hereafter include, in addition to fees and VAT, costs, miscellaneous duties, disbursements or emoluments (in particular for postulation before the Judicial Court).
They do not include the costs of acts of the Justice Commissioner as well as, where applicable, the costs of an agent before the Commercial Court.
These amounts are applicable per order, judgment or ruling, as well as in the event of multiple lawyers, i.e.
when a lawyer succeeds another lawyer, at the Beneficiary's request, in defending his or her interests, or if the Beneficiary chooses several lawyers.
Up to a maximum of €15,000 (incl. VAT) per dispute covered
Threshold for intervention:
- €200 for amicable proceedings
- €500 for legal proceedings

The total amount of these settlements may not exceed €15,000 (inc. VAT) per dispute, regardless of the stage of the proceedings (amicable or contentious) or the procedure (first instance, appeal, cassation, etc.) and the number of parties involved by the Beneficiary in the dispute.

FILASSISTANCE will intervene as soon as the interest of the Litigation opposing the Beneficiary to the Third Party exceeds the Intervention Threshold.

What FILASSISTANCE INTERNATIONAL pays the lawyer acting on behalf of the Beneficiary
Assistance at the amicable stage (if the third party is assisted by a lawyer and excluding MARD)
- Out-of-court settlement reached 450€
Out-of-court settlement not reached 200€
Alternative dispute resolution methods
Conciliation ordered by the judge 300€
Conventional mediation 500€
Participative procedure by lawyer 400€
Court, Administrative, Social Security Affairs and Appeal Courts (merits) 800€
Forming a civil party (partie civile) 380€
Liquidation of civil interests 460€
Assistance with expert appraisal, investigative measure 245€
Referral proceedings 440€
All other jurisdictions, procedures or commissions 380€
Out-of-court settlements at the judicial stage Ceiling for the jurisdiction concerned Assault Court
Cour d'Assises, Cour de Cassation, Conseil d'Etat 2,000€

1) Territoriality

Unless expressly stipulated to the contrary, legal protection cover applies to all Litigation covered by the article "Litigation covered" above and falling within the territorial and material jurisdiction of the French courts.

2) Arbitration in the event of disagreement

In the event of disagreement between Filassistance and the Beneficiary concerning the measures to be taken to settle the Dispute, two options are available to the Beneficiary:

However, the President of the Court of First Instance, ruling in an accelerated procedure on the merits, may decide otherwise if the Beneficiary has exercised this option under abusive conditions.

3) Payment of compensation

Indemnities obtained by the Beneficiary to compensate for the loss that is the subject of the Litigation are paid directly to the Beneficiary (or to the Beneficiary's legal representative, where applicable).

With regard to sums awarded for costs and expenses and irreducible costs, these will be allocated in priority to costs that the Beneficiary has personally incurred. Beyond these costs, FILASSISTANCE will be subrogated to the rights of the Beneficiary and will take action to recover these sums up to the amount paid by FILASSISTANCE, in accordance with article L127-8 of the French Insurance Code.

4) Exclusions

THE FOLLOWING EXCLUSIONS ARE EXCLUDED AND DO NOT ENTAIL ANY BENEFITS OR GUARANTEES FROM FILASSISTANCE.

Article 34 - Exclusions

Article 34.1 - Exclusions common to all cover and benefits

FILASSISTANCE cannot take the place of local emergency organizations, nor can it assume responsibility for costs arising from their intervention.

General exclusions

ARE EXCLUDED AND DO NOT GIVE RISE TO ANY BENEFIT OR GUARANTEE ON THE PART OF FILASSISTANCE:

FILASSISTANCE WILL NOT BE LIABLE FOR ANY REIMBURSEMENT FOR:

Territorial exclusions

THE GUARANTEES NEVER APPLY, EXCEPT IN THE CASE OF EXPRESS DEROGATORY PROVISIONS:

ANY DELIVERY OF SERVICE OR GUARANTEE PROVIDED FOR IN THE CONTRACT MUST BE MADE:

WILL BE CARRIED OUT WITHIN THE FRAMEWORK OF THE SPECIFIC PROVISIONS AND RESTRICTIONS PROVIDED FOR UNDER THE TERMS OF ONE OR OTHER OF THE AFOREMENTIONED LISTS.

THE SUBSCRIBER ACKNOWLEDGES THAT EUROPEAN AND INTERNATIONAL REGULATIONS DEFINING PROHIBITIONS AND/OR RESTRICTIONS ON COMMERCIAL, FINANCIAL OR INSURANCE ACTIVITIES IN CERTAIN COUNTRIES OR GEOGRAPHICAL AREAS OF THE PLANET, FROM WHICH OFFICIAL LISTS SUCH AS THOSE MADE AVAILABLE BY THE DGT AND THE GAFI DERIVE DIRECTLY, ARE LIABLE TO CHANGE AT ANY TIME, THEREBY ALTERING THE SCOPE AND/OR EXTENT OF THE RESTRICTIONS AND/OR PROHIBITIONS SET OUT IN THESE LISTS OR, WHERE APPLICABLE, IN ANY OTHER OFFICIAL LIST ADDED TO OR SUBSTITUTED FOR THEM.

IN THIS RESPECT, IN THE EVENT OF DISAGREEMENT BETWEEN THE PARTIES AS TO WHETHER FILASSISTANCE IS PROHIBITED FROM DELIVERING ITS GUARANTEE, THE PARTIES SHALL REFER TO THE OFFICIAL LIST(S) IN THE VERSION IN FORCE WITH REGARD TO THE REGULATIONS APPLICABLE ON THE DATE OF THE OCCURRENCE OF THE DISPUTED LOSS.

IN THE CONTEXT OF ANY INTERNATIONAL TRANSFER OPERATION ORDERED BY FILASSISTANCE, IT IS AGREED BETWEEN THE PARTIES THAT FILASSISTANCE SHALL NOT BE HELD LIABLE IN THE EVENT THAT THE ISSUING BANK TO WHICH FILASSISTANCE HAS ADDRESSED ITSELF REFUSES TO CARRY OUT THE TRANSFER OPERATION ON THE GROUNDS THAT THE LATTER IS CONTRARY TO APPLICABLE EUROPEAN OR INTERNATIONAL REGULATIONS IN GENERAL OR, MORE PARTICULARLY, INCOMPATIBLE WITH ONE OF ITS INTERNAL POLICIES.

Article 34.2 - Exclusions specific to "Advance and complementary reimbursement of medical expenses incurred abroad" cover

FILASSISTANCE IS NOT LIABLE FOR THE FOLLOWING EXPENSES INCURRED ABROAD:

Article 34.3 - Exclusions specific to repatriation

UNLESS OTHERWISE PROVIDED, REPATRIATIONS ARE EXCLUDED WHICH WOULD BE THE CONSEQUENCE OF:

Article 35 - Regulatory clauses

Article 35.1 - Subrogation

In accordance with article L121-12 of the French Insurance Code, FILASSISTANCE is subrogated to the rights and actions of the Member against any party responsible for the damage, up to the amount of the benefit paid. The Member must inform FILASSISTANCE of any recourse, criminal or civil proceedings of which he is aware, against the presumed perpetrator of the damage of which he has been the victim.

Article 35.2 - Data protection

In accordance with the amended French Data Protection Act, the collection of the Beneficiary's personal data is necessary for the management of his assistance contract by FILASSISTANCE and its service providers.

The information collected from the Beneficiary when requesting assistance is processed for the following purposes: the conclusion, management and execution of assistance contracts; the preparation of statistics, in particular commercial, activity and actuarial statistics; the exercise of remedies and the management of claims and disputes; the execution of legal, regulatory and administrative provisions in force, in particular the fight against money laundering, the financing of terrorism and fraud; operations relating to customer management; the improvement of customer service; the management of people's opinions on products and services; the management and monitoring of incidents relating to the security of service providers.

The recipients of this personal data, within the strict framework of the purposes set out above, are the duly authorized personnel of FILASSISTANCE, their service providers, partners, subcontractors, reinsurers and, where applicable, the social organizations of the persons involved, insurance intermediaries, as well as persons interested in the contract.

The Beneficiary's personal information may, if necessary, be transferred to service providers or subcontractors established in countries outside the European Union for the provision of assistance services.

As part of the management of the assistance contract, FILASSISTANCE, its service providers and subcontractors may collect health data from the Beneficiary. This health data is collected for the purposes of implementing the requested guarantees. It may be communicated exclusively for this purpose to service providers or subcontractors, who undertake to ensure the confidentiality of the data transmitted to them, given its sensitivity.

The Beneficiary's data will be kept throughout the life of the contract, until December 31st of the calendar year following the expiry of both the legal limitation periods and the periods provided for by the various retention obligations imposed by regulations.

The Beneficiary has the right to access, rectify and delete his or her personal data.

The Beneficiary also has the right to give instructions concerning the fate of his/her personal data after his/her death.

Under certain regulatory conditions, the Beneficiary may exercise the right to oppose or limit the processing of his/her personal data. However, any opposition or refusal may prevent the performance of the present guarantees.

The Beneficiary may exercise these various rights by visiting <www.filassistance.fr> or by contacting the DPD department directly by post (CNP Assurances, Service DPO, TSA n° 16939, 4 Promenade Cœur de ville 92130 Issy-les-Moulineaux) or by e-mail (dpo@filassistance.fr).

The Beneficiary may also request the portability of the data he or she has transmitted when it was necessary for the contract.

Any complaints concerning the collection or processing of personal data may be addressed to the Data Protection Officer, whose contact details are given above. In the event of persistent disagreement, the Beneficiary may refer the matter to the CNIL at the following address: Commission Nationale Informatique et Libertés, 3 place de Fontenoy 75007 Paris, https://www.cnil.fr/fr/vous-souhaitez-contacter-la-cnil, 01 53 73 22 22.

Article 35.3 - Liability

FILASSISTANCE undertakes to use all the means at its disposal to carry out all the assistance services set out in this policy. In this respect, FILASSISTANCE is bound by an obligation of means in the provision and execution of assistance services. It is the responsibility of the Beneficiaries to prove the failure of FILASSISTANCE.

FILASSISTANCE shall be solely liable to the Beneficiary for any failure or improper performance of the assistance services. In this respect, FILASSISTANCE will only be liable for direct damage, of whatever nature, to the Beneficiary, which may arise from its own actions or those of its agents. The aforementioned direct damages are those which have a direct causal link between a fault of FILASSISTANCE and a prejudice to the Beneficiary.

**In any event, FILASSISTANCE shall not be liable for any breach of its obligations that is the consequence of an external cause (force majeure as defined in article 1218 of the French Civil Code and as assessed by the jurisprudence of the French Supreme Court, the act of the victim or the act of a third party).

Article 35.4 - Supervisory authority

FILASSISTANCE is subject to the supervision of the Autorité de Contrôle Prudentiel et de Résolution (ACPR), located at 4 place de Budapest - CS 92459 - 75436 PARIS CEDEX 09.

Article 35.5 - Claims

The Member, a Beneficiary or their representatives or assigns (hereinafter referred to as the "Claimant") may, at any time, lodge a complaint concerning the handling of an assistance request (delay, quality, content of the service provided, etc.):

FILASSISTANCE will send an acknowledgement of receipt within a maximum of ten (10) working days from the date on which the claim is sent, unless a response can be communicated to the Claimant within this period.

Failing this, a response will be provided within a maximum of two (2) months from the date the claim is sent, except in the event of special circumstances leading to a longer processing time, of which the Claimant will be informed.

In any event, the Claimant may refer the matter free of charge to the Insurance Mediator at the end of a period of two months following the sending of his/her first written claim, or, as the case may be, from the date of receipt of the negative reply from FILASSISTANCE, by sending his/her request to :

The Mediator will formulate an opinion within the timeframe stipulated in the insurance mediation charter, upon receipt of the complete file. The Mediator's opinion is not binding on the Parties, and leaves the Claimant free to bring the matter before the competent courts.

Article 35.6 - Limitation period

Prescription is the extinction of a right after a period of time stipulated by law. All actions deriving from the present contract are time-barred in accordance with the terms and conditions of the French Insurance Code:

Limitation period

Article L.114-1

All actions arising from an insurance contract are time-barred two years after the event giving rise to the claim. By way of exception, claims arising from an insurance contract in respect of damage resulting from ground movement caused by drought and soil dehydration, recognized as a natural catastrophe under the conditions set out in article L.125-1, are subject to a five-year limitation period from the event giving rise to the claim.

However, this period does not run :

When the insured's action against the insurer is based on recourse by a third party, the limitation period only runs from the day on which the third party took legal action against the insured or was compensated by the latter.

The limitation period is extended to ten years in life insurance contracts where the beneficiary is a person other than the policyholder, and in personal accident insurance contracts where the beneficiaries are the rightful claimants of the deceased policyholder.

In the case of life insurance contracts, notwithstanding the provisions of paragraph 2, the beneficiary's claims are time-barred no later than thirty years from the date of the insured's death.

Causes of interruption of prescription

Article L.114-2

Prescription is interrupted by one of the ordinary causes of interruption of prescription and by the appointment of experts following a claim.

The interruption of prescription may also result from the sending of a registered letter or an electronic registered letter, with acknowledgement of receipt, addressed by the insurer to the insured in respect of the action for payment of the premium, and by the insured to the insurer in respect of the settlement of the indemnity.

Public policy nature of prescription

Article L.114-3

Notwithstanding article 2254 of the French Civil Code, the parties to an insurance contract may not, even by mutual agreement, modify the duration of the limitation period, nor add to the causes of its suspension or interruption.

Ordinary causes of interruption of prescription :

The ordinary causes of interruption of prescription referred to in the aforementioned article L.114-2 are those provided for under the terms and conditions of the following articles of the Civil Code:

Acknowledgement by the debtor of the right of the party against whom he was prescribing

Article 2240 of the Civil Code

Recognition by the debtor of the right of the person against whom he was prescribing interrupts the prescription period.

Legal action

Article 2241 of the French Civil Code

A legal claim, even in summary proceedings, interrupts the limitation period and the period of foreclosure.

The same applies when the claim is brought before an incompetent court, or when the act of bringing the claim before the court is annulled due to a procedural defect.

Article 2242 of the French Civil Code

The interruption resulting from a legal claim produces its effects until the proceedings are extinguished.

Article 2243 of the French Civil Code

The interruption is null and void if the plaintiff withdraws his claim or leaves the proceedings, or if his claim is definitively rejected.

Conservatory measure and act of forced execution

Article 2244 of the Civil Code

The prescription or foreclosure period is also interrupted by a precautionary measure taken in application of the Code of Civil Enforcement Procedures, or by an act of forced execution.

Extent of prescription as regards persons

Article 2245 of the French Civil Code

The interpellation made to one of the joint and several debtors by a legal demand or by an act of forced execution, or the recognition by the debtor of the right of the person against whom he was prescribing, interrupts the prescription period against all the others, even against the heirs.

On the other hand, a summons issued to one of the heirs of a joint and several debtor, or the acknowledgement of that heir, does not interrupt the limitation period with regard to the other co-heirs, even in the case of a mortgage claim, if the obligation is divisible.

This interpellation or acknowledgement interrupts the limitation period with regard to the other co-debtors, only for the share for which this heir is liable.

To interrupt the limitation period for the whole, with regard to the other co-debtors, an interpellation must be made to all the heirs of the deceased debtor or the recognition of all the heirs.

Article 2246 of the French Civil Code

The interpellation made to the principal debtor or his acknowledgement interrupts the prescription period against the guarantor.

Causes of postponement and suspension of prescription

The causes of deferral of the starting point or suspension of the limitation period referred to in article L. 114-3 of the Insurance Code are listed in articles 2233 to 2239 of the Civil Code reproduced below in their version in force on January 1, 2018:

Article 2233 of the Civil Code

Prescription does not run:

  1. in respect of a claim which depends on a condition, until the condition occurs;
  2. in respect of an action in warranty, until the eviction takes place;
  3. in respect of a claim with a term, until such term has arrived.

Article 2234 of the French Civil Code

Prescription does not run or is suspended against a person who is unable to act due to an impediment resulting from law, agreement or force majeure.

Article 2235 of the Civil Code

It does not run or is suspended against unemancipated minors and adults under guardianship, except for actions for payment or recovery of salaries, arrears of annuities, alimony, rents, rental charges, interest on sums lent and, generally, actions for payment of everything payable in years or at shorter periodic terms.

Article 2236 of the French Civil Code

It does not run or is suspended between spouses, and between partners bound by a civil solidarity pact.

Article 2237 of the French Civil Code

It does not run or is suspended against the accepting heir up to the amount of the net assets, in respect of claims he has against the estate.

Article 2238 of the French Civil Code

Prescription is suspended from the day on which, after a dispute has arisen, the parties agree to have recourse to mediation or conciliation or, in the absence of a written agreement, from the day of the first mediation or conciliation meeting. The statute of limitations is also suspended from the date of conclusion of a participatory procedure agreement or from the date of the debtor's agreement, recorded by the bailiff, to participate in the procedure provided for in article L. 125-1 of the French Code of Civil Enforcement Procedures.

The limitation period starts running again, for a period that cannot be less than six months, from the date on which either one or both of the parties, or the mediator or conciliator declares that the mediation or conciliation has ended. In the event of a participatory procedure agreement, the limitation period starts running again from the end of the agreement, for a period of not less than six months. If the procedure provided for in the same article fails, the limitation period starts running again from the date of the debtor's refusal, recorded by the bailiff, for a period of not less than six months.

Article 2239 of the French Civil Code

Prescription is also suspended when the judge grants a request for an investigative measure made before any trial.

The limitation period starts to run again, for a period of at least six months, from the day on which the measure is carried out.

These articles may change during the life of the contract. These articles are available in the "Codes in force" section of the website of the public service for the dissemination of law (http://www.legifrance.gouv.fr).

Referral to the mediator

It is also provided that the two (2) year limitation period will be suspended in the event of mediation or conciliation between the Parties (article 2238 of the Civil Code).

Article 35.7 - Applicable law and jurisdiction

This notice is governed by French law.

In the event of a dispute arising out of or in connection with the present policy, and in the absence of an amicable settlement, jurisdiction will be expressly assigned to the courts having jurisdiction over the Member's place of residence.