Terms & Policies

Plusius . Legal

Terms of Use

(Last updated on 2022-02-09)

 

Website Terms of Use

Please read these terms and conditions carefully before using the website.

 

1. Terms of website use

These Terms of use apply to the website www.Plusius.io and tells you the terms of use on which you may make use of our website www.Plusius.io ('our website'). Use of our website includes accessing, browsing, or registering to use our site. Please read these terms of use carefully before you start to use our website. By using our website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, do not use the site.

 

2. Other applicable terms

The following terms also apply to your use of our website:

Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate.

 

3. Information about us

www.Plusius.io is a website operated by Plusius AB (“we”). We are regulated by the Swedish Financial Supervisory Authority as a financial institution under number 58214 and have our registered office at Klostergatan 5B, 703 61 Örebro, Sweden. We are registered with the Swedish Companies Registration Office under number 559001-9906.

 

4. Changes to these terms

Plusius reserves the right to change, modify, add, or remove parts of these Terms of Use at any time. It is your responsibility to check these Terms of Use periodically for any changes that may occur.  Please check this page from time to time to take notice of any changes we made, as they are binding on you.

 

5. Information on our website and changes to it

The information contained in this website is for general information purposes only. We endeavor to keep the information published on our website up to date and correct, however we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

 

6. Privacy

Our overriding objective is to handle all data fairly and securely. Any information you give us about yourself will be stored on our systems and may be disclosed to, processed, and used by us, and the other companies that assist us in providing our services in accordance with our Privacy Policy.

 

7. Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print or download extracts of any page(s) from our website for your personal use and you may draw the attention of others within your organization to content posted on our website.

You must not modify in any way the paper or digital copies of any materials you have printed off or downloaded, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

You must not use any part of the content on our website for commercial purposes without obtaining a written permission from us to do so.

If you print off, copy, or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made

 

8. Limitation of liability

Plusius will not be liable to any user for any loss or damage, whether in contract, breach of regulatory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our website; or
  • use of or reliance on any content displayed on our website.

If you are a business user, please note that in particular, we will not be liable for:

  • loss of profits, sales, business, or revenue,
  • business interruption,
  • loss of anticipated savings,
  • loss of business opportunity, goodwill, or reputation, or
  • any indirect or consequential loss or damage.

If you are a consumer user, please note that we only provide our website for domestic and private use. You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked to our website. Such links should not be interpreted as endorsements by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

 

9. Third party links and resources in our website

Where our website contains links to other websites (“linked sites”) and resources provided by third parties, these links are provided solely as a convenience to our visitors. We have no control over the contents of those websites or resources, and Plusius is not responsible for and does not endorse the content of such linked sites. This includes any information or materials contained on such linked sites. You need to make your own independent judgment regarding your interaction with these linked sites.

 

10. Governing law and dispute resolution

Plusius will advise you if we feel that you are not compliant with these Terms and recommend any corrective action. Certain violations of these Terms, determined by Plusius, may result in immediate termination of your access to the Site, without prior notice. You agree that all matters relating to your access and/or to your use of this site, including any dispute, will be governed by the laws of Sweden. Any disputes relating to these Terms of Use must be brought within one (1) year after the cause of action arises. In the event of any dispute between Plusius and you arising out of your use of this site, the parties shall attempt to resolve any such dispute in good faith.  If we are unable to resolve any such dispute, the parties shall be free to pursue any right or remedy available to them under applicable law.

 

11. Disclaimer

Your use of this site is at your own risk. Any information contained in this or any other Plusius.io website should not be construed as legal advice and is not intended to be a substitute for legal counsel on any subject matter. The contents of this site are for general information purposes only. Whilst we endeavor to ensure that the information on this site is correct, no warranty, express or implied, is given as to its accuracy and we do not accept any liability for error or omission. We will not be held liable for any damage (including, without limitation, damage for loss of business or loss of profits) arising in contract, tort or otherwise from the use of, or inability to use, this site or any material contained in it, or from any action or decision taken as a result of using this site or any such material.

 

12. Contact

To contact us in relation to these terms of use, please email info@plusius.io stating in the subject matter of your email 'Website Terms of Use'.

Master Services Agreement

(Last updated on 2022-02-07)

 

This Plusius Master Services Agreement (the “Agreement”) is a legal agreement between Plusius AB (“Plusius”) and the entity or person (“the Customer”) who applies to use Plusius services. This Agreement describes the terms and conditions that apply to your use of the Services.

If you do not understand any of the terms of this Agreement, please contact us before applying to use our Services.

When applying to use our service you confirm that you accept these terms and conditions and that you agree to comply with them

 

Terms & Conditions

The terms & conditions (“the Agreement”) in this section refer to the redemption of payments and transactions, regardless of whether the transactions take place via the Customer or through the Customer's applications.

 

1. Background

1.1 One of Plusius operations is the redemption of payments and transactions.

1.2 Plusius redeems Payments and Transactions made with Credit Cards, Invoices, and direct bank initiations at the explicit instruction of the Customer as below.

1.3 Transactions through Plusius online services are made on behalf of the Customer, an authorization is carried out with transaction data as well as amounts and associated information. The data packages are sent via Plusius system and further through various processing actors to the issuing supplier of the means of payment for approval. An approved authorization is then returned via Plusius Payment Service and the payment is thus completed. The relevant amount is now debited or reserved on the means of payment used.

1.4 Within three working days, Plusius compiles all transactions and carries out file deliveries to affiliated redemption banks. These delivered transaction files form the basis for payment for Plusius.

1.5 After this file delivery, transaction data is saved in the Plusius system so that transaction history can be compiled by the Customer.

 

2. Payment Network rules

2.1 Payment Network rules refers to the regulations, rules, conditions, etc. issued by affiliated banks, subcontractors of invoicing services, MasterCard and / or Visa. The network rules are superior to the provisions of the Agreement. The parties are thus aware of and agree that the cooperation according to the Agreement shall always be conducted in accordance with the Network Rules.

2.2 Should it be established at any time that the cooperation is not conducted in accordance with the Network Rules, Plusius shall immediately inform the Customer of this, whereby the Parties shall immediately initiate discussions with a view to reaching an agreement on the circumstances 'impact on the Parties' cooperation. If the Parties during the discussions cannot agree within ten (10) Banking

Days calculated from the date on which the discussions began, each Party has the right to terminate the Agreement upon termination with thirty (30) calendar days’ notice.

2.3 However, if an affiliated bank, subcontractor of invoicing services, Visa and / or MasterCard points out that the cooperation is not conducted in accordance with the Network Rules and as a result request that the deficiencies be resolved within a certain time, respective Party always has (i.e. regardless of what the Agreement otherwise stipulates about notice periods), the right to terminate the Agreement until the day before the shortage according to affiliated bank, subcontractor of invoicing services, Visa and / or MasterCard would be resolved if the party on good grounds assumes that the defect cannot or will not be resolved within the prescribed time.

 

3. Scope

3.1 Transactions may only take place in the currencies that have been regulated in an agreement between Plusius and the Customer.

3.2 Sales with value units, such as virtual currency and/or crypto currency, may never take place on any service covered by this Agreement. If the Customer would start to offer sales with value units, the Agreement shall be terminated with immediate effect.

3.3 What is stipulated in the Agreement regarding purchase transactions shall also in applicable parts apply to returns and / or credits of purchase transactions.

3.4 Plusius will provide the Customer with unique customer numbers for each Sales Method that the Parties have agreed to be covered by the Agreement. These customer numbers, which must always be used in the customer reporting of Transactions to Plusius, may not be used for other Sales Methods or for other goods or services in the specified industry than what has been agreed between Plusius and the Customer.

3.5 The sale or rental of other goods and / or services that are in violation of Swedish law or that require special permission may under no circumstances take place on the Customer/ Plusius or any other service covered by this Agreement. Examples of such goods and services may include (but are not limited to) weapons, explosives, drugs, narcotics, sexual services, and medical procedures.

 

4. Customer's commitments

4.1 The Customer undertakes to:

  • follow the Agreement and any instructions regarding the Agreement from Plusius or from a party hired by Plusius, including instructions given in response to the Customer transaction management, or other form of authorization system, including manual authorization.
  • accept all agreed Credit Cards, Invoices, and amounts, for payment of all the Customers goods and services. Plusius has the right to register and market that the Customer accepts Credit Cards and Invoices as means of payment.
  • not solicit or accept Credit Cards, Invoices 1) for any fraudulent purpose, 2) in any other way that is contrary to the permitted use of Credit Cards, Invoice and or 3) in any way such as Plusius have not approved.
  • do not use the trademarks Plusius, Visa and / or MasterCard for anything other than what has been agreed in writing between the Parties.
  • always comply with applicable laws and government regulations.

4.2 The amount of the return / credit may not exceed the amount of the purchase transaction. The return / credit must be made using the Credit Card used for the purchase transaction. The amount may not be repaid in cash, unless otherwise agreed in writing between the Parties. In the case of returns / credits, the signature receipt, or equivalent basis for the Transaction, must be signed by the Customer.

4.3 In order to maintain a high level of security in the global payment systems, and to strengthen confidence in Credit Cards as a means of payment, it is of the utmost importance that everyone who handles Credit Card information does so in a secure manner. "Credit card information" refers to such information that is embossed or printed on the front and / or back of the Credit Card, including information that is stored in the Credit Card's magnetic track and chip. For this reason, the card industry has agreed on a common standard for handling credit card information. The standard is called the Payment Card Industry (PCI) Data Security Standard (DSS) and is developed by e.g., Visa and MasterCard.

The Customer undertakes to comply with the PCI DSS standard in the version it is in at any given time published at www.pcisecuritystandards.org. The Instructions contain both additional information about PCI DSS as well as a description of what the Customer generally must observe regarding the handling of Credit Card Information.                                

4.4 When the Customer offers goods and / or services, the Customer may not apply a higher price for payment by Credit Card or Invoice than the Customer applies for other forms of payment, nor may it apply a higher price or charge any additional fee for payment with Credit Card or Invoice. However, this does not apply if it is permitted by law or regulation. If the Customer charges a fee or offers a reduction of the fee due to the use of a certain means of payment, the Customer shall inform the Holder of this before the Transaction is carried out. The fee charged by the Customer must be reasonable and in accordance with the law and the Network Rules.

4.5 If the Customer wishes to charge the Holder retrospectively for costs that have arisen in connection with a service, etc. (such as a hotel stay, car rental or the like), the Customer must inform and obtain the Holder's approval before debiting. The Customer shall, if possible, carry out the Transaction in two (2) parts, whereby the Customer shall immediately charge the Holder for the part of the transaction amount known at the time of the transaction and thereafter charge the Holder only the part of the transaction amount that is not known at the time of the transaction.

4.6 If the Customer becomes aware of an incorrectly executed Transaction, the Customer shall without delay and no later than within forty-five (45) calendar days notify Plusius thereof and request correction.

 

5. Plusius commitments

5.1 Plusius undertakes to pay to the designated account for purchase transactions made with Credit Card or Invoice provided 1) that the purchase transaction is received by Plusius within the time prescribed in the Instructions, 2) that the purchase transaction meets the requirements prescribed in the Agreement, 3) that time period for cancellation and exercise of the right of withdrawal, 4) that the Customer otherwise fulfilled its obligations under the Agreement and, 5) that the Customer otherwise fulfilled its obligations to The Sales Company.

5.2 Plusius is responsible for ensuring that payments that meet the conditions in accordance with section 5.1 and/or after receiving a pay-out request will be received by the predesignated recipient within 5 Banking days.

5.3 Plusius shall provide the Customer with information about completed Transactions, i.e., information on the amounts, fees and, if applicable, exchange rates of the Transactions. The information is provided with the periodicity and in the manner specifically agreed by the Parties.

 

6. Customer's responsibility

6.1 The Customer is responsible to the End Customer for all errors and deviations in the quality, nature and execution of the goods and services sold. Errors and deviations that pose a reputational risk for Plusius shall always be deemed to constitute a breach of the Customers obligations referred to below in clause 6.3 subparagraph 4 and in clause 18.3.

6.2 The Customer's liability in accordance with clause 6.1 above applies regardless of what the Customer may have agreed with the Holder, the Merchant or other. This also applies if the Customer:

1) conducts business as an agent or intermediary and thereby sells or mediates another party's or subcontractor's goods or services, or

2) sells or mediates goods or services on behalf of another party or subcontractor and it may thereby be someone other than the Customer who is to perform the service to which the Transaction relates.

6.3 At Plusius request, the Customer is obliged to reimburse Plusius for all amounts, plus interest and handling costs, which Plusius has issued / repaid to a card issuer, Holder or other, e.g., affiliated bank, Visa, or MasterCard, due to:

1) The liability of the Customer according to clauses 6.1 and 6.2 above,

2) a card issuer's final charge of Plusius for a claimed Transaction in accordance with Visa's and / or MasterCard's Chargeback Rules,

3) an affiliate bank's final debit of Plusius for a claimed Transaction in accordance with affiliate bank's Chargeback Rules,

4) that the Customer, without observing normal care, has accepted invalid, forged, or unauthorized use of Credit Card or Invoice,

5) that the Customer, without observing normal care, or in any other way acted in violation of the Agreement or legislation and/or government regulations.

6.4 Furthermore, regardless of whether negligence, breach of contract or other act can be blamed on the Customer, the Customer is obliged to reimburse at Plusius request for amounts (e.g., fees and other financial sanctions) that Plusius has been forced to pay to affiliated bank, subcontractor of invoice, Visa and / or MasterCard insofar as the amount issued is attributable to the Agreement and to 1) rectified Transactions, or 2) fraud, bad faith or willful act.

6.5 If Plusius, before the obligation to pay amounts according to section 6.3 or 6.4 above occurs, receives a warning, injunction or similar (e.g., from affiliated bank, subcontractor of invoice, Visa and / or MasterCard), Plusius shall notify without delay the Customer about what measures or the like the Customer must take to avoid, if possible, Plusius obligation to pay the amount. 

6.6 If affiliated bank, subcontractor of invoice, Visa and / or MasterCard considers that the Customer, in relation to the Customer's total number of purchase transactions, has achieved an unacceptably high level of complaints due to fraud, unauthorized purchases or complaints from the Holder or End customers, Plusius has the right to terminate the Agreement immediately.

 

7.  Payment terms

7.1 Payment of agreed prices and fees shall be made by withdrawal on the account designated by the Customer or by Plusius, in connection with the payment routine that applies between the Parties. If the cash settlement does not cover the Plusius receivable, the Customer shall credit the Plusius account with the remaining amount.

7.2 If the Customer is a company who consumes BNPL/Factoring or similar where a credit risk may arise and if Plusius at any time notes that its Financial Exposure or Credit Risk Assessment to the Customer has increased, Plusius has the right to change the payment terms with immediate effect to ensure that these correspond to the higher financial risk or credit risk. Plusius shall also have the right to request additional security if Plusius deems it necessary.

7.3 If the Customer is a company who consumes BNPL/Factoring or similar where a credit risk may arise and if the net worth is less than zero (0), the Customer shall, at Plusius request, settle the amount by crediting the Plusius bank account. However, Plusius shall primarily try to receive payment regarding the deficit by deducting the amount in accordance with the payment routines applied in accordance with the Agreement. The specified account can also be debited by Plusius if the net worth is less than zero (0).

 

8. Plusius right to withhold payment and / or delay payments and right of settlement

8.1 If the Customer is a company who consumes BNPL/Factoring or similar where a credit risk may arise and If Plusius deems that the Customer credit risk or Financial exposure has increased, if the Customer does not fulfil its obligations under the Agreement or when the Customers solvency can reasonably be questioned by Plusius, or when termination of the Agreement has been sent, Plusius has the right to immediately suspend payments or delay payments at least until the end of the rectification period.

8.2 Payments withheld or delayed in accordance with the preceding paragraph may be used by Plusius in respect of all the Customer obligations / commitments to Plusius in accordance with the Agreement. The foregoing shall also apply to commitments that arise in connection with the termination of the Agreement until the day Plusius pays the withheld funds.

8.3 In addition to what is stipulated above, Plusius has the right to withhold and / or delay payment to the Customer if Plusius considers it probable that a Transaction will be the subject of a so-called Chargeback. In such a situation, Plusius shall have the right to withhold and / or delay payment up to an amount corresponding to the expected Chargeback.

8.4 If the Agreement has been terminated (regardless of the reason for this) or if the Customer ceases to send Transactions to Plusius, the payments shall cease on the date the termination has taken place and the payments of the funds held by Plusius shall take place in accordance with clause 8.1 above.

8.5 A prerequisite for Plusius to pay withheld funds to the Customer is that the Customer, at Plusius 'request, provides Plusius with documentation that indicates the date of satisfactory delivery of goods and / or services sold. Payments shall be made on at least a monthly basis or in another manner determined by Plusius, provided that the Customer has provided Plusius with information that Plusius deems sufficient. Plusius has the right to withhold funds up to an amount corresponding to the outstanding value of goods and / or services that have not yet been delivered by the Customer. The assessment is made based on information received from the Customer and the end customer to whom the Customer has delivered the sold product / service.

8.6 Payments that have been withheld or delayed in accordance with the above may be used by Plusius regarding all the Customers' all obligations and commitments to Plusius in accordance with the Agreement. This also applies to commitments that arise due to the termination of the Agreement until the day Plusius pays the total amount of withheld funds or delayed payments.

8.7 Settlement in accordance with items 6.3 and 6.4 may be made by withdrawal from the account assigned by the Customer (i.e., Assigned Account or other account) or by deduction from the amount Plusius must pay in connection with the payment routine that applies between the Parties. The Customer is obliged to ensure that there is coverage on the designated account. Plusius shall without undue delay inform the Customer of the reason for the Customer liability for compensation.

8.8 If Plusius deems that the Customers risk level with respect to money laundering or terrorist financing has increased or if the Service, due to events or transactions in the Service that may cause a reassessment of the Customers risk level, automatically blocks the Customers access to the Service, Plusius has the right to withhold or delay payments to the Customer.

8.9 Under no circumstance will Plusius withhold or delay payments regarding the client funds.

 

General terms and conditions for payment via the internet and through mobile applications

The terms in this section apply to digital Payment Services. Plusius has developed these services so that you as a customer can receive cards and other means of payment via the Internet in the simplest way.

 

9. The Service

9.1 Plusius makes a technical solution (the "Service") available to the Customer for the Payment Services (s) that the Customer has chosen to offer the Holder in connection with its order.

 

10. Configuration of the Service

10.1 Only Customers whose System Owners have validated their identity and who have undergone and been approved in Plusius customer knowledge process, have access to and the opportunity to offer payment services via the Service.

10.2 The Customer has the right to create access to the Service from the payment systems included in its agreement.

10.3 If the Customer has not entered into any other specific agreement with Plusius, its agreement consists of a single payment system. If the Customer wants access to the Service from more than one payment system, this must be included in the Agreement or in a separately established new agreement.

10.4 The Customer must quote and initiate payments with Plusius in its own payment system/checkout to be able to receive payments via the payment system. Plusius makes technical documentation available to the Customer.

10.5 If the Customer wishes Plusius to assist in the implementation of the Service, this work can be performed according to a specific agreement and according to Plusius current hourly rate for such work.

 

11. Testing of the Service

11.1 Following the conclusion of this Agreement and the configuration of its payment system, the Customer has the right to perform a test of the system in accordance with the procedure described by Plusius in the technical documentation.

11.2 The Customer is obliged to notify Plusius before the test begins.

 

12. Statistics

12.1 As soon as the Service has started to be used, Plusius stores data and statistics on completed Transactions. From the time it enters into the Agreement, the Customer has access to Plusius statistics. The Customer gets access to its statistics by using the login function or through API and Web-hooks.

 

13. Operation

13.1 Plusius always tries to have as high availability as possible for its services. However, a specific level of availability cannot be guaranteed, partly due to the nature of the Internet and the fact that Plusius cannot control all the parts and elements that are included in the communication solution between the Customer and Plusius. Plusius availability, measured over a month, is usually around 99.9%.

13.2 To ensure high availability, Plusius continuously maintains and updates the hardware and software used. Maintenance that can lead to downtime for shorter periods is performed as far as possible at times with low traffic for Transactions. Plusius will notify customers of maintenance via email well in advance of the maintenance.

 

14. Security

14.1 All transfers of sensitive transaction information and credit card information in the Service from the Customer to Plusius and to Plusius storage of this data shall take place in encrypted format.

14.2 Plusius performs several backups of all systems included in the Service daily.

14.3 If the Merchant loses data where Plusius' action caused the loss, Plusius may assist the Merchant to recover this data based on the most recent working backup. The Customer cannot make further claims against Plusius regarding the loss of data.

14.4 If the Customer loses data due to circumstances for which Plusius is not responsible, including the Customer's own circumstances, Plusius may, at a separate cost, assist the Customer in restoring this data from the latest working backup to the extent possible. However, the Customer is recommended to always make backup copies of their own data.

14.5 By signing this Agreement, the Customer undertakes to log in to Plusius services and authorize calls using secure methods, store API keys and security tokens in a secure manner.

14.6 In connection with the establishment of the Agreement, the Customer's login to Plusius services is connected and made available to the Customer.

14.7 The Customer must always keep its login solutions and information about the use of the Service on Plusius secret from all except authorized employees at the Customer. If the Customer suspects that an unauthorized third party has the opportunity to join the Service, the Customer must immediately inform Plusius of this.        

14.8 Plusius can make demands on the handling of the Customer login solution and at its own discretion demand that the Customer issues new keys and passwords to access the service.

14.9 All Plusius servers are equipped with an updated antivirus program and firewalls. The Customer should secure their servers with updated antivirus software and mitigate threats by having firewalls installed and use whitelisted IP addresses for the communication with Plusius.

14.10 The IT systems that Plusius uses for the Service are certified and security approved and undergo an annual IT review, which is performed by a recognized IT security company.

14.11 Every year, a recognized IT security company scans Plusius servers and networks to increase security and avoid unauthorized intrusions.

14.12 Plusius strives to avoid abuse of its services but cannot guarantee that abuse of or intrusion into Plusius IT systems can be ruled out.

14.13 The Customer shall immediately inform Plusius if it has been a victim of misuse of transaction and / or credit card information or if it has been subjected to attempts or actual intrusion into the IT systems used by the Customer. In the same way, if the Customer suspects a misuse of transaction information and / or credit card information or Plusius services or that a breach of Plusius IT systems has taken place or will take place, Plusius must be informed of this.

14.14 If Plusius believes that the Customer is abusing the Service, violates the security rules and guidelines issued by Plusius or the supplier, or that abuse occurs from a domain belonging to the Customer, Plusius has the right to terminate the Customer's use of the Service without warning or deny access to the Service from the relevant domain.

14.15 Plusius does not take responsibility for the consequences that may arise if the Customer has not complied with the safety rules and guidelines issued by Plusius.

14.16 In cases where the Customer comes into contact with card numbers, the Customer undertakes to follow and meet the conditions set out in the PCI DSS regulations. The applications developed by the Customer or third parties that were used to perform / support the Service must be developed in accordance with the regulations PCI DSS's guidelines.

14.17 The customer does not have the right to pass on card information to its own- or third-party servers, unless the payee, including the Customer itself, is specifically PCI-certified.

14.18 If Plusius discovers that the Customer performs such forwarding, Plusius will immediately suspend the Customer's use of the Service. The Customer may not regain access to the Services until the Customer can demonstrate that it meets all legal requirements and PCI rules for payees.

14.19 In such cases, Plusius has the right to inform competent authorities and companies, including suppliers and others, and Plusius may also require the Customer to inform specific authorities, companies, or Holders.

 

15. Personal information

15.1 The Parties agree that they will be individually responsible for the personal data that each Party processes in connection with the Agreement and that the Parties shall comply with applicable data protection legislation regarding this personal data.

15.2 Plusius processes the Customer's personal data as contact information to provide the Customer with the Service, administer the business relationship and for commercial and marketing purposes. The information may also be used for statistical analyses and business reports, in fraud investigations and to comply with applicable laws and regulations. The data may also be transferred outside the EU / EEA area to a state that does not have the same level of protection of personal data. In such a case, Plusius will take appropriate measures to protect the data.

15.3 This Agreement is subject to the rules on personal data processing set out in Plusius Privacy Policy. Upon approval of this agreement, the signing customer also approves the Plusius Privacy Policy.

 

16. Laws and regulations

16.1 Plusius complies with all applicable anti-money laundering, sanctions, or other financial crime legislation applicable to it and will provide the Customer with all necessary questionnaires and documentation in order to comply with Plusius anti-money laundering policy.

16.2 Plusius assumes no responsibility for the legality of the Customer's use of The Service or the content of the data that the Customer sends in connection with the solution. It is entirely up to the Customer to comply with the legislation towards its own end-customers and third parties. 

16.3 The Customer shall reimburse Plusius in the event of claims that third parties or authorities make against Plusius for Customer’s violations of third-party rights or the Customer's breach of existing legislation or conditions from a supplier.

 

17. Rights

17.1 Plusius has all rights, including intellectual property rights, to code, trademarks and other material made available to the Customer in connection with the use of the Service.

17.2 The Merchant receives only a time-limited, non-exclusive right to use the Code and other materials made available to it and is not entitled to copy the Code or other materials to a greater extent than necessary, as compensation for the use provided for in this Agreement.

17.3 The Customer's use of the code and other material made available to it always takes place on the condition that all outstanding amounts are paid to Plusius.

17.4 The Customer's breach of these rights is considered a material breach of contract.

 

Common provisions

The terms of this section refer to general provisions that cover all parts of this Agreement.

 

18. The period of validity of the agreement and grounds for termination

18.1 The agreement is considered entered on the day Plusius grants an application for Plusius Payment Service. Plusius notifies the Customer in writing that the application has been approved and that the Agreement has thus entered into force. The agreement is valid until further notice with

1) thirty (30) calendar days of mutual notice if the Agreement has been valid for less than three (3) years, or

2) sixty (60) calendar days of mutual notice if the Agreement has been valid for more than three (3) years, or

18.2 Termination of the Agreement must be in writing. A termination sent via email shall be deemed to have been made in writing. The provision in clause 24.8 shall apply to a termination of the Agreement.

18.3 If a Party significantly breaches its obligations under the Agreement, the other Party has the right to terminate the Agreement with immediate effect. In accordance with this, Plusius has the right to terminate the Agreement with immediate effect if debiting cannot take place in accordance with clause 6 or 8 above, or that payment cannot be charged in accordance with clause 19 below.

18.4 If the Agreement, regardless of the reason for it, has been terminated, at the same time the Customer's sales against payment with Credit Cards and Invoices with the support of the Agreement shall also cease, which in turn, among other things, it means that Plusius is no longer entitled to or obliged to receive Transactions from the Customer.

18.5 If the Agreement, regardless of the reason for it, has been terminated, the Parties are responsible under the Agreement for Transactions entered into prior to the Agreement.    

18.6 Accordingly with national and international anti-money laundering and terrorist financing regulations, Plusius has the right to terminate the Agreement with immediate effect:

1) in the event of significant changes in the Customer's ownership when that change in ownership results in the Customer or the Customer’s owner’s appearing in such a register as referred to in section 18.10.

2) if the Customer or a person related to the Customer is, or will be, registered in such register as referred to in clause 18.10 below or a circumstance occurs that constitutes basis for such registration,

3) if Plusius in an overall assessment makes it probable that the Customer must be considered to be involved in, or otherwise have connection with, criminal activity,

4) if the number or nature of rectified transactions in Plusius well-founded opinion deviates from what Plusius deems to be normal,

5) if the Customer has provided incorrect, incomplete, or misleading information,

6) if the Customer's operations, industry affiliation or character according to Plusius well-founded assessment has changed, or will change, compared to the circumstances at the conclusion of the Agreement,

7) if the Customer ability to pay according to Plusius assessment can be questioned,

8) if the Customer according to Plusius reasonable assessment can be expected to go bankrupt,

9) if the customer materially fails to fulfil any of its obligations to the Holders,

10) if the Customer does not follow all Network rules of the Payment Methods covered by the Agreement, or

11) if the Customer, according to Plusius reasonable assessment, through its actions / activities can damage or damage Plusius reputation.

18.7 Plusius continuously corrects the information that the Customer has provided to Plusius, for example regarding the time that elapses between the time of payment in the Service and the time of delivery / execution of the goods / services referred to in the payment, corresponds to the conditions that prevail at any given time. It is the Customer's responsibility to participate to a reasonable extent to facilitate this reconciliation. The reconciliation referred to in the previous paragraph takes place primarily to ensure that between the Parties applicable payment terms, any collateral provided to secure Plusius right to payment, etc. at any time 1) corresponds to the actual circumstances, and 2) is also otherwise in compliance with Plusius guidelines and policies.

If the information provided by the Customer deviates from the actual circumstances, Plusius has the right to compensation for any increased cost. If the Parties are unable to find a mutually acceptable solution, Plusius has the right to terminate the Agreement with immediate effect.

18.8 Plusius has the right to change and issue new Instructions without obtaining the Customer's approval in advance. Such changes or new Instructions shall take effect no earlier than thirty (30) calendar days after the Customer has been notified in writing. If the Customer does not accept such changes or new Instructions, the Customer shall immediately notify Plusius in writing together with a written termination of the Agreement.

18.9 Registration in special registers may take place if the Agreement is terminated due to the Customer's breach of contract or due to the Customer providing incorrect, incomplete, or misleading information in e.g., Conclusion of the agreement.

18.10 Such a register as referred to in section 18.6 and 18.9 is Sanction lists, industry blacklists, watch-list and other lists of interest that monitors criminal activity.

 

Other

The Agreement equates with "special registers" also Visa and / or MasterCard's various monitoring systems for redemption agreements that have been terminated due to breach of agreement or similar reasons.

 

19. Prices

19.1 For the services that Plusius provides, the Customer shall pay the prices and fees that Plusius generally applies at any given time, and which are available in the application for connection to the Service or alternatively in the notification that Plusius sends to the Customer that the application has been granted. Plusius has the right to change its prices and fees at any time due to changes in the Payment network pricing. Such changes take effect no earlier than thirty (30) calendar days after the Customer has been informed of the change. Payment must also be made under the conditions set out in section 7.

 

20. Limitation of liability

20.1 Plusius liability shall be limited to direct loss and shall furthermore be limited to an amount corresponding to the fee paid by the Customer during the then-current year. Plusius shall under no circumstances be liable for any indirect loss.

20.2 Plusius liability under the Agreement only covers Transactions that have been received by Plusius. This means that Plusius, if the Customer engages a third party for the delivery of Transactions to Plusius, has no responsibility for any claims, actions, or omissions attributable to the cooperation between the Customer and the third party. Nor does Plusius have any responsibility for errors or the like, in Transactions received by Plusius to the extent that the error is due to circumstances attributable to the third party.

20.3 If the Customer wishes to make a claim for compensation against Plusius due to errors caused by Plusius, such a claim must be made against Plusius within forty-five (45) days of the Customer becoming or should have become aware of the basis for the claim. Claims against Plusius lapse if arbitration is not initiated within one year from the time the basis for the Company's claims became or should have become known to the Customer.

20.4 Limitation of liability is not applicable in situations where Plusius has acted intentionally or through gross negligence.

 

21. Reporting

21.1 If the Customer is a company who consumes BNPL/Factoring or similar where a credit risk may arise, from the conclusion of the Agreement, the Customer shall without undue delay, at Plusius request, provide Plusius with its most recent balance sheet in Swedish or in English, unless otherwise agreed. Such information shall be provided without delay and no later than two (2) weeks from the time the document is published and completed. Furthermore, at Plusius request, the Customer shall without delay and within two (2) weeks of Plusius request provide interim reports (e.g., half-yearly and quarterly reports) and other information that may be relevant to the Parties' cooperation within the framework of the Agreement.

21.2 The Customer must notify Plusius in writing and immediately of changes regarding the composition of the board, CEO, company name, ownership, address, telephone number, email address, account number, changed industry affiliation or business and other matters that may be relevant to the Agreement.

21.3 Furthermore, a Party shall immediately inform the other Party of events that may be assumed to affect, or will affect, all or part of the cooperation in accordance with the Agreement. It is of particular importance that all planned changes in the Party's computer system that in any respect can be assumed to affect the cooperation are notified to the other Party in immediate connection with the commencement of the planning of the change.

 

22. Force Majeure

22.1 The Parties in the Agreement will be exempted from damages and other penalties for the fulfilment of this Agreement is hindered or made more difficult by circumstances beyond the control of the Party, such circumstances may be war, Government intervention, burglary, seizures, general restrictions, labor conflict, major accidents, extreme weather conditions, non-authorizations, restrictions on energy supply or delivery from sub-contractors that the Party could not reasonably foresee at the time of the conclusion of the Agreement and the consequences of which the Party has not been able to avoid or overcome.

22.2 The Parties are exempted from the penalty for failure to fulfil a certain obligation under the Agreement if the failure is based on circumstances beyond the Party's reasonable control and which prevent or significantly impede timely performance thereof ("Force Majeure").

22.3 The Party invoking force majeure is obliged to take reasonable steps to limit the damage of the incident. If the fulfilment of the Agreement is substantially prevented for longer than fifteen (15) Banking Days due to Force Majeure, the Party is, without obligation to pay compensation, entitled to withdraw from the Agreement in writing with thirty (30) calendar days' notice.

 

23. Secrecy

23.1 The content of the Agreement is confidential, and the Parties have no right to disclose to third parties any information about the content of the Agreement. Nor does a Party have the right to disclose to any other information about the other Party's activities that is to be regarded as a trade or professional secret. However, the Customer agrees that Plusius may, in accordance with current rules on professional secrecy in payment service companies, transfer such information as referred to in the previous paragraph to

1) companies that are part of the same corporate group as Plusius,

2) affiliated bank, subcontractor of invoice, Visa and / or MasterCard,

3) companies with which Plusius cooperates to ensure the fulfilment of the Agreement regarding, for example, PCI-DSS and other security issues, and

4) companies with which Plusius cooperates and which has mediated the Customer to Plusius.

23.2 The first paragraph shall not prevent either Party from disclosing such information as the Parties are required by law, government regulations or regulation, or an injunction from a competent authority or court.

 

24. Other

24.1 A Party does not have the right to transfer any of its rights and / or obligations under the Agreement to another without the other Party's written consent. However, Plusius may, without the consent of the Customer, transfer its rights and / or obligations to companies that are part of the same corporate group as Plusius.

24.2 If it is not clear from the Agreement how a cost, which arises because of the cooperation, is to be borne or distributed, the Parties shall, in connection with a decision being made that such a measure be implemented, also decide how the measure is to be paid for. In the absence of such a decision, nor can the Parties agree on how the costs are to be borne or distributed, if the measure is nevertheless implemented, the Party carrying out the measure shall also bear this alone.

24.3 The Parties shall not, in addition to what follows from the Agreement, have the right to represent each other, or use each other's trademarks, companies or know-how without the written consent of the other Party. Such right of use does not entail the creation of any right and shall terminate with immediate effect at the same time as the Agreement terminates.

24.4 A party may, except for what is stipulated in the paragraph below, engage a subcontractor or third parties without the consent of the other Party. However, the Customer must as soon as possible notify Plusius whether such a contract affects or could affect the cooperation according to the Agreement.

24.5 If the Customer intends to engage a subcontractor or third party who in any respect will process data on transactions or Payment Methods, this subcontractor or third party must be approved in advance by Plusius. Each Party is responsible for all subcontractors' or acts and omissions of the subcontractor or third parties as if the Party itself had taken the act or action or failed to take an act or action.

24.6 Each Party confirms that the Agreement (as well as the documents referred to in the Agreement) constitute the Parties' complete settlement of the matters affecting the Agreement. All oral or written commitments and commitments that preceded the Agreement will be reimbursed by the Agreement.

24.7 Unless otherwise provided herein, all amendments and additions to the Agreement shall be in writing and signed by the Parties to be binding.

24.8 All notices under the Agreement shall be in writing and in Swedish or in English, unless otherwise agreed, and delivered in person or through an internationally recognized courier company or over email.

24.9 Each Party is responsible for informing its relevant staff about the content of the Agreement.

24.10 Either Party is liable for direct loss incurred because of the Party causing the damage violating any of the provisions of this Agreement.

 

25. Applicable law and disputes

25.1 This Master Services Agreement and any dispute or claim arising out of or in connection with it will be governed by and interpreted in accordance with the laws of Sweden. 

25.2 Any dispute, controversy, or claim concerning the Agreement, its execution, interpretation and / or application or other legal relationship related to the Agreement shall in the first instance be resolved through negotiations between the Parties.

25.3 Disputes that arise in connection with the Agreement, and which could not be resolved within thirty (30) calendar days through discussions between the Parties, shall be finally settled through arbitration proceedings administered by the Stockholm Chamber of Commerce's Arbitration Institute ("SCC").

25.4 Rules for Simplified Arbitration shall be applied unless SCC, considering the severity of the case, the value of the subject matter of the dispute and other circumstances, decides that Arbitration Rules for the Stockholm Chamber of Commerce's Arbitration Institute shall be applied. In the latter case, the SCC shall also decide whether the arbitral tribunal shall consist of one (1) or three (3) arbitrators. The seat of the arbitration shall be Stockholm and the language of the proceedings shall be Swedish.

Privacy Policy

(Last updated on 2022-02-09)

 

1. Generally

1.1 We at Plusius.io and Plusius AB (“we”, “Plusius”, “us”, “our”) want you to feel safe when you provide your personal data to us.

1.2 This Privacy Policy explains how we collect, use, disclose and store your personal data and how we otherwise ensure that your personal data is processed in accordance with applicable legislation. It is important to us that you read and understand this Privacy Policy and to feel safe with how we process your personal data.

 

2. Who is the Data Controller?

2.1 Plusius AB, with organizational number 559001-9906 and postal address Klostergatan 5B, 703 61, Örebro, is the Data Controller for the processing of your personal data when Plusius provides and markets products and services as well as in other contacts with Plusius, such as visits to our web service or service matters via e-mail and telephone. As a Data Controller, it is Plusius responsibility to ensure that your data is handled correctly and securely in accordance with applicable legislation.

2.2 Plusius has a common IT infrastructure with certain companies within the Group to which the company Plusius AB belongs. The business transactions with our customers as well as associated personal data and database covered by this infrastructure are handled and owned centrally by Plusius. Plusius thus has the control over your personal data and has ensured control and safe handling of your personal data through agreements with other Group companies.

 

3. What personal data about you do we process?

3.1 Plusius collects and processes the following categories of personal data about you as a customer or potential customer in connection with you applying to use and using our services and that we market and market our product and services.

  • Contact details, such as name, title and attestation, e-mail address, delivery address, invoice address and telephone number
  • Age
  • Account information such as customer number, username, password and when the account was registered
  • Customer settings for marketing communication and personal offers
  • Identification number, i.e., personal identity number or corporate identity number
  • Order information such as order number, transaction number, ordered services, order date, price discount and, transaction history
  • Payment details such as payment method, card number, cardholder, transaction time, amount, IP address and payment history
  • Financial information such as credit reports
  • Correspondence and other information about support cases such as audio recordings of calls, notes, and e-mails when contacting customer service.

3.2 User generated data about your interaction with Plusius marketing communications and websites, such as IP address, device information (technical information about computer, mobile phone and other devices you use, e.g., browser settings, time zone, operating system), location information, answers to surveys and click and visitor history that, among other things, shows which of our offers you have been interested in, how you interact with our newsletters and which of our events you have signed up for and participated in, and results from customer satisfaction or marker research.

  • If you are entitled to use different offers or discounts through membership in different associations or organizations that have negotiated agreements with Plusius for their members,
  • Information provided in competition entries as well as registration and evaluation of events or other marketing measures including, but not limited to, health data such as information on allergies.

 

4. From what sources do we collect information about you as a customer?

4.1 Plusius collects your personal data directly from you when you carry out a transaction, visit our website, participate in our events, click on links in digital marketing communications that we have sent to you, are in contact with our customer service or when you otherwise have contact with Plusius and provide information about you. Information about you is collected on these occasions for you to enter into an agreement with Plusius and for Plusius to provide its products and services to you.

4.2 If you are a holder of a Plusius customer account, Plusius also collects personal data about you when registering the account and while you are an account holder, such as the history of your transaction, your behavior on the Plusius website, your customer settings for receiving marketing communications and what offers you have been interested in by visiting our website and reading or clicking on links in out digital mailings.

4.3 In addition to the data that Plusius collects from you, we may also collect personal data from someone else, i.e., from third parties. Swish, BankID, Svea Ekonomi, Handelsbanken etc. to check that we have correct contact information for you. We collect creditworthiness data from credit rating agencies, or banks, such as credit agencies like Svea Ekonomi and UC.

4.4 Plusius also collects certain personal data through cookies that log how you use our website and thus which content you prefer. You can find more information about how we use cookies in the Plusius Cookie Policy.

 

5. Why do we process personal data about you?

5.1 Plusius collects and handles data about you for various purposes. These purposes set the external framework for what we may use your personal data for. Below we explain the purpose of our treatment and give examples of what treatment activities take place during each purpose. Please note that some of your personal data may be processed for several purposes.

a. Manage transactions and purchases

The processing of personal data for this purpose includes activities to identify you and check your age, send transaction, and order confirmation, manage payment for booked services and  assess what payment methods we can offer you (based on contact details, ordered services and goods, payment history and financial information), deliver order, notify about delivery, and handle claims and warranty matters regarding transactions and services.

The collection of data that we make to manage your transactions and purchases is required for us to fulfil our obligations under Plusius Terms & Conditions. If the information is not provided by you, our obligations cannot be fulfilled, and we may deny you the transaction or purchase.

b. Providing and managing Plusius account

We process personal data for this purpose to, for example, give you permission to log in to the account, secure your identity, create your transaction systems, maintain accurate contact information, manage your marketing communication settings and personalized offers, make it easier for you to book in our web services through pre-filled data and saved digital shopping carts, make it easier for you to handle cases and complaints, and enable you to follow your transaction and payment history.

The collection of data that we make to provide and administer your Plusius account is required for us to fulfil our obligations under the Plusius Terms & Conditions. If the data is not provided, our obligations cannot be fulfilled, and we may deny you registration of the account or close the account.

c. Provide customized information, benefits and offers and provide a personalized experience of our website to those who have a Plusius account

We at Plusius want you to have the best possible experience when you visit our website and when we communicate with you. Therefore, we process personal data for this purpose so we can improve your user experience for the purpose of creating, offering, and leaving you personalized content in communication and marketing via post, e-mail, SMS, chat, and phone with individual benefits and offers, recommendations, invitations to events, and other information that we believe is relevant you. To enable this, analyses are carried out on the data that Plusius collects such as age, place of residence, transaction and order history and user-generated data.

The collection of data that we do for this purpose is required for us to fulfil our obligations under these terms and conditions. If the data is not provided, our commitments cannot be fulfilled, and we need to limit certain benefits and other benefits associated with your account.

d. Provide information about and market product and services

We process personal data for this purpose to inform you by post, e-mail, chat, SMS, and phone about and market the products, services and offers that the Plusius Group markets to show recommendations, to recall abandoned transactions and to invite you to events, competitions and market and customer satisfaction surveys.

The collection of data that we do for this purpose is required for us to fulfil our obligations under these terms and conditions. If the data is not provided, our commitment cannot be fulfilled, and we need to limit certain benefits and other benefits associated with your account.

e. Conduct and manage participation in events, competitions, and other marketing activities

The processing of personal data for this purpose includes measures such as identifying participants, communicating with participants in a competition and selecting winners and passing on winnings, checking the age of participants, and communicating with participants before and after an event (such as confirmations of registrations, reminders, and evaluations). Please note that information that you have participated in events falls under the category of user-generated data processed for other purposes.

f. Manage issues coming in to Plusius support features

The processing of personal data for this purpose includes, but are not limited to, Plusius activities such as communicating, ensuring the customer’s identity, investigating complaints and support cases, answering questions that come into customer service and other support functions via e-mail, phone, or digital channels, correcting incorrect information, providing technical support, and nurturing the customer relationship.

g. Fulfil legal obligations required by the Plusius Group

Personal data is processed for this purpose for the Plusius Group to comply with laws, judgments, or government decisions. An example of such requirements is the obligation to store certain information under the Accounting Act. If the data collected by Plusius for this purpose is not provided, our legal obligation cannot be fulfilled, and we may deny you the order. Purchase or activity that gives rise to our legal obligations.

h. Prevent abuse and prevent and investigate crimes within the framework of our activities

The processing of personal data for this purpose is done, among other things, to prevent the misuse of Plusius accounts and to prevent and investigate suspicion of theft and fraud. We flag transaction patterns that often occur in connection with fraud and then a manual review is carried out to investigate the risk that it may be a fraud attempt. Suspect crimes and attempted crimes may be reported to the police.

i. Evaluate, develop, and improve the Plusius Group’s services, products, and systems for our customers in general

The processing of personal data for this purpose includes, but are not limited to, activities to, among other things, make our web service and other services more user-friendly, develop or highlight digital functions, improve our customer offering (e.g., development of services and products), develop and improve the company’s service offerings, and improve our IT-system to increase security, produce statistics for market and customer analyses and business follow-up, business and method development related orders and transactions, automatically archive behaviors that may later need to be reviewed for security reasons and give customers the opportunity to influence the functions provided by Plusius. To fulfil this purpose, Plusius performs general analyses in aggregated form, i.e., not at the individual level, regarding, among other things, click and visit behaviors, unit information, transaction history, payment history, geographic locations, and individual customer’s feedback. 

 

6. What are the legal grounds for our processing of your personal data?

6.1 For Plusius to have the right to collect and process your personal data, there must be a legal basis for every purpose for which the data is processed. The legal grounds on which we base our processing are described in this section. Please note that several legal grounds may apply to the same processing.

a. Legal obligation

This basis means that our processing is necessary to fulfil a legal obligation required by Plusius, for example, to document payment details to comply with the requirements of the Accounting Act.

b. Contractual obligations

This basis means that the processing is necessary to fulfil an agreement with you as a customer or to be able to enter into an agreement at a later stage. For those of you who are the holders of a Plusius account, by accepting the Terms of Plusius account, you have entered into an agreement with Plusius that sets the framework for which processing of your personal data may take place to provide, manage and administer our services associated with the account, such as analysis of your personal characteristics to provide you with personalized benefits, and offers. When ordering or purchasing, we process your data to fulfil obligations under Plusius’ general terms and conditions. Then, for example, it may be necessary for Plusius to register your contact information so that we can fulfil our obligation to deliver the product or service that we make a credit report if you choose invoice as a payment method so that we can ensure your ability to pay.

c. Legitimate interest

This basis means that our treatment is based on so-called balancing of interests. This means that the processing takes place because Plusius believes that we have legitimate interests in processing your personal data that outweigh your interest in not having the personal data processed. On this basis, we process, among other things, your personal data to prevent the misuse of Plusius’ account and prevent and investigate crimes within the framework of our business. If we believe that a crime or attempted crime has been committed and we file a police report, Plusius will also continue to process your personal data for us to establish, defend or enforce legal claims.

 

7. How long do we save your personal data?

7.1 Plusius will save your personal data for as long as it is necessary to fulfil the purposes for which the data is processed. The duration of retention period therefore depends on the purpose for which the data are processed. In addition, Plusius may save the data for longer if necessary to establish, defend or enforce legal claims, e.g., if there is a dispute or if a report of a crime has been submitted to the Police Authority. We regularly carry out screenings and delete personal data that is no longer necessary.

 

8. Overview of our personal data processing

8.1 Below we have made a summary of our processing of personal data to clearly explain which categories of personal data we process for our various purposes, what legal basis for our processing and how long we store the data.

 

9. Who do we share your personal data with?

9.1 Plusius may disclose your information to other companies for you to be able to access our offers, products, and services. The recipients of your personal data can either be data processors of Plusius, i.e., companies that process your data on our behalf and according to our instructions, or independently data controllers, i.e., companies thar are independently responsible for the processing of your data as they have a direct relationship with you as a customer, such as Svea Ekonomi.

9.2 Plusius may also disclose your information to authorities to comply with law, regulations, or government decisions or for Plusius to establish, defend, or enforce legal claims.

9.3 Depending on the contracts you have had with Plusius, e.g., if you are the holder of a Plusius account or receive marketing communications, Plusius may disclose your personal data to the following recipients:

  • Other companies within the Plusius Group that act as a personal data processor to Plusius for us to be able to fulfil the various purposes set out in this Policy. The legal grounds for the transfer to our Group companies are the same as for our own treatment.
  • Companies that provide information from the population register or other public registers to ensure that we have the correct contact information for you so we can manage your transactions and purchases as well as your Platform account and the services associated with your account holding. The information disclosed is identification number and contact details based on our contractual obligations to you as a legal basis.
  • Analytics and marketing companies that provide services such as automated marketing tools, analytics, communication, print and distribution. These recipients help Plusius to analyze your data and inform about and market the products and services that Plusius sells. The information disclosed is contact details, account information, customer settings, order details and user-generated data based on legitimate interest and our contractual obligations to you as the holder of Plusius account as legal grounds.
  • Government authorities, such as the Swedish Police Authority or the Swedish Tax Agency, to which we are obliged to disclose your personal data by law or government decision or to which we disclose personal data due to suspicion of a crime or attempted crime. The categories of data disclosed are contact details, identification numbers, account information, order information, payment details, user-generated data and video recordings based on legal obligation incumbent on Plusius for us to establish, defend or enforce legal claims.

9.4 In addition, if you make a transaction or make purchases from one of Plusius Platform customers, we may disclose your personal data to the following recipients in the context of handling your transactions and purchases based on our contractual obligations to you as a legal basis:

  • Suppliers, partners, and subcontractors of products and services that Plusius markets and sells. The information provided is contact details and order information.
  • Logistics companies and freight forwarders to help us with goods transport so we can deliver the products and services to you. We disclose contact details and order information to these recipients.
  • Insurers who provide insurance for some of our products and services. The information that is disclosed when you have chosen to take out insurance is contact details and order information.
  • Partners and providers of payment solutions, such as card-redeeming companies. Banks, credit institutions and other financial actors, that ensure that you can make payments and offer you different financing solutions. The information disclosed is contact details, identification numbers and payment details.
  • Financial services companies such as ledgers and debt collection businesses that ensure that Plusius is paid for delivered products and services in the context of managing your transactions and purchases. The information disclosed is contact details, identification numbers, order information and payment details.

9.5 Plusius will not sell your personal data to third parties unless we have your permission to do so.

 

10. Where do we store your personal data?

10.1 Plusius will primarily handle your personal data within the EU/EEA. However, we may also transfer your personal data to a country outside the EU/EEA if we need to share your personal data with Plusius suppliers or partners located outside or storing personal data in a country outside the EU/EEA. If your personal data is transferred to any country outside the EU/EEA, Plusius will take the necessary steps to legally transfer the personal data by ensuring that your personal data is handled securely and with an adequate level of protection comparable to the protection offered within the EU/EEA, for example by entering into agreements with the recipient that include the European Commission’s standard contractual clauses or, if transferred to the US, by certifying the recipient to comply with the Privacy Shield principles.

 

11. What rights do you have as a registered customer?

11.1 Plusius is responsible for ensuring that your personal data is processed in accordance with applicable legislation. This section describes your rights related to our processing of your personal data. We will, at your request or on our own initiative, correct, de-identify, delete, or supplement data that is found to be inaccurate, incomplete, or misleading. If you have any questions about this or wish to exercise any rights, please contact us at the information listed in at the bottom of this Policy.

a. Right of access to your personal data
We at Plusius want to be open about how we process your personal data. If you want to gain insight into the processing, we do about you, you have the right to request information about the processing,
including a copy of your personal data that is under processing, a so-called register extract. This includes information on purposes, categories of personal data, categories of recipients of personal data, retention period or criteria for determining the retention period, information on where data has been collected and the existence of automated decision-making including information on the logic and importance of the processing. Please note that in the event of a request for access, we may ask for additional information about you, to ensure that we disclose the data to the right person and what
information you wish to access. The register extract is free of charge, but in case of repeated requests, Plusius has the right to charge an administrative fee of SEK 100.

b. Right to rectification of your personal data
Plusius is committed to having accurate and up-to-date personal data. If the information we have about you is incorrect, you have the right to request that it be corrected. You also have the right to supplement any incomplete personal data, e.g., if we have the correct street address but do not have a street number. At your request, we will correct as quickly as possible the incorrect or incomplete data we
process about you.

c. Right to delete your personal data
We respect that the personal data we process about you is borrowed from you. You therefore have the right to request that Plusius delete your personal data when the data has been processed unlawfully, must be deleted in order to fulfil a legal obligation to which Plusius is subject, is no longer necessary for the purposes for which the it has been processed or when you object to a balancing of interest of
legitimate interests that Plusius has made and there is no legitimate interest in Plusius or third parties that weigh more heavily (see section f for information about the right to object). However, we cannot always comply with your request as there may be reasons that entitles us to continue processing, e.g., if the personal data is processed in order to fulfil a legal obligation as a legal basis (as required by the Accounting Act) or if the data is necessary for Plusius to establish, enforce or defend legal claims.

d. Right to data portability
You have the right to receive a copy of the personal data relating to you in a structured format and in some cases have the data transferred to another data controller. However, this right only covers data that you have provided to Plusius yourself and which we have processed based on consent or contractual obligation to you as a legal basis.

e. Right to restriction of processing
You have the right to request that our processing of your personal data be restricted in certain situations, which means that the data may only be processed for certain purposes. For example, you can request limitation of incorrect information after you request a correction. While Plusius investigates the accuracy of the data, their processing will be restricted.

f. Right to object to certain types of processing
When Plusius processes your personal data based on balancing of interests as a legal basis or for direct marketing, you have the right to object to our processing. Objection to Plusius’ balancing of interests can me made when you have personal reasons regarding the situation. In the event of such objection, Plusius assess whether we have legitimate reasons for the processing that outweigh your interest in protecting your privacy. If this is the case, Plusius may continue to process your personal data even though you have objected to the processing. Objection to direct marketing and analytics performed for direct marketing purposes, you can do so without giving any reasons. In addition, you are given the opportunity to object to marketing in each individual digital mailing. If you object to direct marketing, we will cease processing your personal data for that purpose as well as all types of direct marketing measures such as sending newsletters and offers. If you only object to personalized offers, the marketing communication to you will be general, as we will find it difficult to assess which marketing is relevant to you if we are not allowed to analyze your personal characteristics.

11.2 If you think we are handling your personal data incorrectly, please feel free to contact us. Contact details can be found at the bottom of this policy. You also have the right to lodge any complaints regarding the processing of your personal data with the Swedish Data Protection Authority, which is the responsible supervisory authority for the processing of personal data in Sweden.

 

12. How do we protect your personal data?

12.1 You should always be able to feel safe when you provide us with your personal data. Plusius has therefore taken appropriate technical and organizational security measures to protect your personal data against inappropriate or involuntary disclosures use, improper access, deletion, alteration, or damage to your personal data. For example, all customer data is stored in a database that is protected by firewall and permission control, so only employees within the Plusius Group who need access to your data to perform specific tasks have such access.

 

13. Application and amendment of the Privacy Policy

13.1 The latest updated version of Plusius’ Privacy Policy is always available on our website. Our Privacy Policy applies at any time in the form and to the content published on the website.

13.2 Plusius has the right to update the Privacy Policy at any time. If the Privacy Policy changes, the updated version will be published on the Plusius website. If you do not wish to accept the amended policy, you can close your Plusius account by contacting customer service, see the contact details at the bottom of this policy.

 

14. Contact details

Do not hesitate to contact us if you have questions about this Privacy Policy or if you want more information about our processing of your personal data or if any information is incorrect and you want us to correct it. Our customer service can be reached by phone. 010-3300066 or, you can e-mail to info@plusius.io stating in the subject matter of your email “Privacy Policy”.

Anti-Money Laundering Policy Statement

(Last updated on 2022-02-08)

 

1. Why are we asking these questions?

As a financial institution, Plusius is obliged to comply with several laws and regulatory framework, amongst them are Act (2017:630) on measures against money laundering and terrorist financing (Money Laundering Act). These rules and frameworks require Plusius to know our businesses (KYB) and to know our customer (KYC). KYB and KYC includes that Plusius must obtain certain information from our customers and how they intend to use our services. This means that we must ask you as a customer certain question, these questions can include, but are not limited to, how you intend to use our services, business operations, transaction patterns, distribution channels and financial information.

It is our policy and obligation to comply with the anti-money laundering legal and regulatory requirements, which we take very seriously. Plusius has its own team fully dedicated to work with risk control and AML-compliance.

As Plusius is supervised by the Swedish Financial Supervisory Authority, Plusius AB is required to meet, among others, the following legal requirements:

  • Understand and interpret the legal and regulatory framework for AML/CTF requirements and systems.
  • Understand standard industry best practice in AML/CTF procedures and proportionate risk-based approach.
  • Design and implement the systems and controls necessary to mitigate the risk of being used in connection with money laundering or financing terrorism.

Plusius AB's AML legal obligations include among others:

  • Verify customers' (including beneficial owners') identity and address.
  • Keep full records of all transactions together with identification provided.
  • Monitor any unusual or suspicious transactions of any size.
  • Report any suspicious transaction to the national Finance Police.

 

2. Political Exposed Person (PEP)

As a part of our customer knowledge process, we are obliged according to law to know which of our customers that are so-called “political exposed persons” or “PEP”. PEP always refers to a person who has, ore which has had in the last 18 months, an important public function in a country or a function in the management of and international organization. “Important public function” refers to the function held by heads of state or Governments, Ministers and deputy Ministers, Members of Parliament, Supreme Court judges, judges of constitutional courts or other high-level judicial bodies whose decisions can only exceptionally be appealed, senior officials of audit authorities and members of Central Banks’ organ, ambassadors, heads of mission and senior officers of the Armed Forces and persons belonging to state-controlled companies managements, or control bodies of state-owned enterprises.

To make sure that we follow these rules we also need to know if a customer is a family member or a known associate to a PEP. Family member refers to husband or wife, registered partner, partner, children and their spouses, registered partner or partner and parents.

CONTACT US

If you have any questions you may always contact our support service.

Please email us using the form to the right. 

Get in touch

info@plusius.io

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