© 2023 m., UAB „Revolut Bank“ 

Jei norėtum sužinoti, koks „Revolut“ subjektas tau teikia paslaugas, spustelėk <a href="https://www.revolut.com/help/more/legal-topics/which-revolut-companies-provide-me-with-services">čia</a>. Jei turi kokių nors kitų klausimų, susisiek su mumis per pokalbio funkciją „Revolut“ programėlėje. UAB „Revolut Bank“ yra bankas, įkurtas Lietuvos Respublikoje. Jo registruotasis adresas: Konstitucijos pr. 21B, Vilnius, 08130, Lietuvos Respublika, registracijos numeris – 304580906, FI kodas – 70700. UAB „Revolut Bank“ yra licencijuota Europos Centrinio Banko ir reguliuojama Lietuvos banko. UAB „Revolut Bank“ teikia kreditų, mokėjimų, einamųjų sąskaitų ir indėlių iki pareikalavimo sąskaitų paslaugas.

Draudimo platinimo paslaugas teikia „Revolut Insurance Europe UAB“, kuri yra Lietuvos banko įgaliota kaip draudimo brokerių įmonė. Registruotasis adresas: Konstitucijos pr. 21B, Vilnius, 08130, Lietuvos Respublika, registracijos numeris – 305910164.

„Revolut Ltd“ (Nr. 08804411) yra įgaliota Finansinių paslaugų priežiūros institucijos pagal 2011 m. Elektroninių pinigų įstatymą (įmonės nuoroda 900562). Registruotasis adresas: 7 Westferry Circus, Canary Wharf, London, England, E14 4HD. Su draudimu susijusias paslaugas „Revolut Ltd“ klientams teikia „Revolut Travel Ltd“, kuriai Finansinių paslaugų priežiūros institucija suteikė įgaliojimus teikti draudimo tarpininkavimo paslaugas (FCA Nr. 780586), ir „Revolut Ltd“ – paskirtoji „Revolut Travel Ltd“ atstovė draudimo platinimo klausimais.

Investavimo paslaugas Europos ekonominėje erdvėje (EEE) teikia „Revolut Securities Europe UAB“ (registracijos numeris – 305799582, adresas: Konstitucijos pr. 21B, Vilnius, Lietuva, LT-08130), kurią kaip brokerio paslaugų firmą įgaliojo Lietuvos bankas.

Data Privacy Statement for Candidates

Legal disclaimer

Cookie Policy

Complaints Policy

Financial Difficulties for Personal Credit Customers

Whistleblowing Policy

Personal Fees (Standard)

Website Terms

Modern Slavery and Human Trafficking Statement

Privacy Policy

This version of our terms will apply from 30 September 2023. If you would like to see the terms that apply until 30 September 2023, please click <a href="https://cdn.revolut.com/terms_and_conditions/pdf/payments_uab_business_terms_2.3.0_1685374263_en.pdf">here</a>. These terms apply to all customers that receive services from Revolut Bank UAB. If you have been directed to this page from within our product, these terms also apply to your account regardless of the country in which your business or freelancing activity is registered in. If you have any questions regarding which Revolut entity you receive services from, please reach out to customer service via in-app chat. <h1>My Revolut account</h1><h3>1. Why this information is important</h3>This document sets out the terms and conditions for your Revolut business account (the account) and its related services. It also sets out other important things that you need to know. These terms and conditions, along with our <a href="https://www.revolut.com/en-LT/legal/business-fees">Fees page</a> and <a href="https://www.revolut.com/legal/business-customer-privacy-notice/">Revolut Business Customer Privacy Notice</a> and any other terms and conditions that apply to our services, form a legal agreement (the agreement) between:<ul><li>you, the account holder; and</li><li>us, Revolut Bank UAB (a company incorporated in the Republic of Lithuania with company number 304580906 and whose registered office and head office is at Konstitucijos ave. 21B, 08130 Vilnius, the Republic of Lithuania).</li></ul> Revolut Bank UAB is a bank incorporated and licensed in the Republic of Lithuania with company number 304580906 and authorisation code LB002119 and whose registered office is at Konstitucijos ave. 21B, 08130 Vilnius, the Republic of Lithuania. We are licensed and regulated by the <a href="https://www.lb.lt/en/contacts">Bank of Lithuania</a> and the <a href="https://www.ecb.europa.eu/home/contacts/address/html/index.lt.html">European Central Bank</a> as a credit institution. You can see our licence on the Bank of Lithuania website <a href="https://www.lb.lt/en/licences-1/view_license?id=2092">here</a> and our incorporation and company documents on the Lithuanian Register of Legal Entities website <a href="https://www.registrucentras.lt/jar/p_en/index.php?pav=revolut+bank&amp;kod=&amp;a=2562&amp;p=1">here</a>. We are also subject to the Law on Payments of the Republic of Lithuania which, regulates our activities and liability, provision of payment services, rights and obligations of our customers and applicable fees. You can ask for a copy of these terms and conditions through the Revolut Dashboard at any time. It&#39;s important for you to understand how your account works, so if you&#39;d like more information you might find it helpful to read our <a href="https://www.revolut.com/business/help">FAQs</a>. The FAQs are for information only. They don&#39;t form part of our agreement with you. If you want to use a Revolut account for personal purposes, these terms and conditions will not apply. You&#39;ll need to read the <a href="https://www.revolut.com/en-LT/legal/terms">Personal Terms</a>. <h3>2. What type of account is my Revolut account?</h3>Your account with us is a payment account and the money in it is held by us as a deposit. This type of account is commonly called a “current account” and it is a type of bank account where you can store and withdraw money, and make payments. In these terms and conditions we may refer to it as the “Revolut Account”, a “current account” or an “account”.We do not pay interest on the deposits in your current account. You can earn interest by depositing your funds in one of our interest bearing products which we may offer from time to time. <h3>3. Using money in your Revolut account</h3>Once you have money in your account you&#39;ll be able to use our services. For example, you can do the following:<ul><li>send money to and receive money from other Revolut accounts and non-Revolut accounts;</li><li>change money from one currency to another (we call this a currency exchange). The currencies available might change occasionally;</li><li>make payments and withdraw cash using your Revolut Card;</li><li>view information about and manage your account; and</li><li>use the Revolut Open API.</li></ul> We add new features and services all the time. We&#39;ll let you know about these through the Revolut Dashboard. You can access the Revolut Dashboard through the business account portal on our website. <h3>4. Can I open a Revolut business account?</h3>By accepting these terms and conditions you confirm that:<ul><li>you have received by email, read and understood these terms and conditions;</li><li>you have received by email, read and understood the standard information for deposit insurance of the State Company Deposit and Investment Insurance (VĮ &quot;Indėlių ir investicijų draudimas&quot;) which is also available <a href="https://www.revolut.com/lt-LT/legal/deposit-insurance-information">here</a>; </li><li>you have read, understood and accepted our <a href="https://www.revolut.com/legal/business-customer-privacy-notice/">Revolut Business Customer Privacy Notice</a>; and</li></ul><ul><li>you have provided correct and accurate contact information (including an email address that you check regularly) during the onboarding process.</li></ul>You must be over 18 to open a Revolut account and open a Revolut account under this agreement for business purposes only and not for personal purposes When you ask to open your account, the following apply:<ul><li>you promise that a person opening an account for you has full authority to enter into the agreement; and</li><li>we, or someone acting for us, will ask for certain information about you, where the amount you are opening the account with comes from, your authorised persons (as explained below), as well as any directors, partners, people with significant control over your business or any beneficial owners. We&#39;ll also ask you to confirm that any authorised person has your authority to act on your behalf and that they have agreed to keep to these terms and conditions.</li></ul> We will only give you access to your Revolut account and the Revolut Dashboard once we have all the information we need. You can&#39;t open more than one Revolut account, or open a new Revolut account if we&#39;ve previously closed a Revolut account that you held. You also cannot open an account with us if you are a charity, political organisation or religious organisation. You cannot open or hold a Revolut account if you carry out any sort of business or activity that relates to the following:<ul><li>dating and escort services;</li><li>pornography;</li><li>weapons;</li><li>trading in precious metals, stones or art;</li><li>running an auction house;</li><li>chemicals and related products;</li><li>video-game arcades;</li><li>selling second-hand cars;</li><li>binary options or gambling;</li><li>debt collection; </li><li>trading in prime-bank guarantees, debentures, letters of credit or medium-term notes;</li><li>consulates, diplomatic offices or embassies;</li><li>charities, foundations or non-profit organisations;</li><li>Funds, Trusts or SPVs;</li><li>Non-regulated FX, MSBs or Remittance businesses; or</li><li>Regulated FX, MSBs or Remittance businesses - where Revolut Account will be used to hold or manage client funds.</li></ul> In order to manage risk, we may refuse to let you open or hold a Revolut account if you carry out any other business or activity that we are not comfortable with. We may also restrict some or all of our features or services if, in our sole discretion, we believe there is a high level of risk associated with your business (for example cryptocurrency activity posing a risk that is not acceptable to us). Or we may apply restrictions, which we&#39;ll tell you about before we allow you to open the account. CORPORATE OPT-OUTYou agree that, except where otherwise is established in this agreement, the provisions of the following articles of the Law on Payments of the Republic of Lithuania do not apply to the agreement.11(1), 13, 14, 15, 16, 17, 18, 19, 21, 22, 23, 24, 25, 26, 27 and 28;11(2), 29(3);37, 39, 41;44; and51.<h3></h3><h3>5. Different Revolut plans to suit your business needs</h3>We know that different types of businesses need different things, so we&#39;ve created different Revolut plans to suit our customers. You can choose the plan that best suits your business.Based on the business you conduct and how it requires us to administer your account, we may need to charge you a higher subscription fee. If you are new to Revolut Business, we will tell you what pricing plan we can offer to you before you make the decision to onboard with us. If you are an existing Revolut Business customer and we need to move you to a different Revolut Business Company plan, we will give you 60 days&#39; notice of this change and an opportunity to close your account if you do not accept it (unless you are a large corporation customer in which case we can make this change with a 2 weeks’ notice).Different limits and restrictions apply to each plan. Click <a href="https://www.revolut.com/en-LT/legal/business-fees">here</a> for more information about the plans. <h3>6. How do I get information on payments into and out of my account?</h3>You can check all payments into and out of your account through the Revolut Dashboard. We will not make any changes to the information and it will be available to you through the dashboard until you close your account. If you need the information after then, you will need to download it. You can download information from the dashboard at any time before your account is closed. We will send a notification to your mobile or tablet, or by email, each time a payment goes into or out of your account. You can turn off these notifications. If you do this you should regularly check the Revolut Dashboard for information on payments. It&#39;s important that you know what payments are going into and out of your account, so we recommend that you do not turn off notifications. Communicating with youWe&#39;ll usually communicate with you through the Revolut Dashboard. Other Revolut group entities may also communicate with you via the Revolut Dashboard if this is agreed with you and that entity. This is how we will provide account information and tell you about any fraud, or suspected fraud, relating to your account. It is also how we will tell you if there is a security threat to your account. Make sure you regularly check the Revolut Dashboard for this information. To help keep your account safe, download the latest software and version of the Revolut Dashboard as soon as it is available. We may also communicate with you by text message, phone call or email, so you should regularly check your text messages and email account. Consents, approvals, acceptances and other statements given by the account administrator, an authorised user or a authorised cardholder using the Revolut Dashboard shall have the same legal validity as a signature on a written document. Agreements concluded by the account administrator, an authorised user or an authorised cardholder via the Revolut Dashboard shall be treated as written agreements between you and us. Any instructions to conduct operations or other actions which are submitted by the account administrator, an authorised user or an authorised cardholder through the Revolut Dashboard will be treated as being submitted by you. To be clear, you agree that in accordance with Article 5(1) of Law on Electronic Identification and Trust Services for Electronic Transactions of the Republic of Lithuania the electronic tools used by us allowing us to identify the account administrator are considered an advanced electronic signature as determined by Article 26 of Regulation (EU) No 910/2014 of the European Parliament and of the Council of 23 July 2014 on electronic identification and trust services for electronic transactions in the internal market and repealing Directive 1999/93/EC (the eIDAS Regulation) and has the same legal validity as a signature on a written document. We&#39;ll usually communicate with you in English. Keep us in the loopPlease keep your details up to date and let us know immediately if any information you&#39;ve given us changes. If we discover that any of your information is incorrect we will update it. When we refer to &quot;email&quot; we mean the email you provided to us during the onboarding process (unless you updated your email afterwards). It&#39;s important that you provide your primary email address and check it regularly. Should your email address change or should you have any trouble receiving or opening emails from us, you must notify us immediately. Otherwise, you agree that if an email has been delivered to your email address, you should have read it, even if you failed to do so for whatever reason. To meet our legal and regulatory requirements we, or someone acting for us, might sometimes need to ask for more information (for example, if your spending increases). Please provide this information quickly so that there is no disruption to your account or our services.<h3></h3><h3>7. Revolut Dashboard</h3>You manage your account and Revolut Cards through the Revolut Dashboard, which only you and the appropriately authorised persons will have access to. <h3>8. Delegating access to your account and the Revolut Dashboard</h3>The agreement is binding on you, but you can authorise other people (delegates) to carry out certain activities on your behalf. There are three different categories of delegates, all referred to in this document as authorised persons.<ul><li>Account administrator. This is usually the person who initially enters into the agreement on behalf of the business. This person has access to the account, the Revolut Dashboard and our Open API (explained below). They can also make payments using your Revolut Cards (explained below). They can appoint other authorised users or authorised cardholders. They can also place limits on authorised cardholders and authorised users. The account administrator cannot appoint other account administrators.</li><li>Authorised user. This is anyone you or an account administrator has authorised to make payments into or out of your account (including by using your Revolut Cards), make currency exchanges or use the Open API. They can appoint new authorised users.</li><li>Authorised cardholder. This is anyone authorised only to use your Revolut Cards.</li></ul> You or an account administrator (as appropriate) can place limits on the amount of any:<ul><li>currency exchange that an account administrator or authorised user can carry out; and</li><li>payment that an account administrator, authorised user or authorised cardholder can make with a Revolut Card or through the Revolut Dashboard.</li></ul> RESPONSIBILITY FOR AUTHORISED PERSONSWe will treat all instructions and actions by authorised persons acting within the limits of their authority as if you had given that instruction or carried out that action yourself. It is your responsibility to withdraw your authority from, or impose limits on, any authorised person (for example, if they are no longer employed by you). Any authorised person must be 18 or over. You are also responsible for all their activities. For example, if they lose their Revolut Card or their security details, it is your responsibility to tell us in line with these terms and conditions, although you may ask them to tell us instead. YOUR REVOLUT CARDWhere these terms and conditions refer to your Revolut Card this includes all Revolut Cards we issue to you and authorised persons. <h3>9. Open API</h3>Open API is an app that allows you to carry out certain activities such as setting up automatic payments out of your account and displaying your account balance. If you ask us to, and your plan allows it, we will give you an API Key which will allow you to use the Open API.Click <a href="https://www.revolut.com/en-LT/legal/business-api"></a><a href="https://www.revolut.com/en-LT/open-api">here</a> for more information about our Open API. <h3>10. What happens after my account is closed?</h3>We&#39;ll hold back enough money to cover any payments that you approved before your account was closed. You&#39;ll also still owe us any money that you owed us while your account was open. How do I get access to my money after my account has closed?For eight years after your account has closed or your Revolut Card has expired you&#39;ll be able to contact customer services (at feedback@revolut.com) and ask them to send you the money we still hold for you. Once your account is closed you can only withdraw your money in the currency of the country you live in.

<h1>Keeping my account safe</h1><h3>11. How is my money protected?</h3>Your money is protected once it reaches your Revolut Account or deposit account opened within another credit institution which is a participant of the Deposit Insurance Scheme. Your money will be credited to your Revolut Account as soon as possible after it arrives with us and in any case no later than on the next business day.For example, if you&#39;re adding/transferring money to/from your Revolut Account not on a business day your money won&#39;t be protected by the Deposit Insurance Scheme until it reaches your Revolut Account or deposit account opened within another credit institution which is a participant of the Deposit Insurance Scheme. Nevertheless, your money will be protected in other ways as prescribed by laws.The money in your Revolut Account is protected by Lithuanian deposit insurance administered by the State Company Deposit and Investment Insurance (VĮ &quot;Indėlių ir investicijų draudimas&quot;) in accordance with the conditions established by the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania which are available <a href="https://www.revolut.com/en-LT/legal/deposit-insurance-information">here</a>. There are no additional mechanisms (we call them “guarantee funds”) under these Terms that protect your money in your Revolut Account.<h3>12. Keeping your security details and Revolut Card safe</h3>We do everything we can to keep your money safe. We ask you and all authorised persons to do the same by keeping your (and their) security details and Revolut Card safe. Security details include usernames, API Keys (explained below) and any passwords that allow access to the Revolut Dashboard. You shouldn&#39;t keep your security details near your Revolut Card, and you should disguise or protect them if you write them down or store them. Don&#39;t share your security details with anyone other than an open-banking third-party provider who is acting in line with regulatory requirements. Please don&#39;t share your API Key with anyone. Sometimes it&#39;s easy to forget to take the steps you and your authorised persons should take to keep your money safe. Here are some tips:<ul><li>make sure you close down the Revolut Dashboard when you&#39;re not using it;</li><li>don&#39;t give access to your API Key to anyone who shouldn&#39;t have access to it;</li><li>don&#39;t allow your security details to be stored on any device such as a computer or mobile phone;</li><li>change your password or Revolut Card PIN regularly;</li><li>keep your email account and the device you use to access the Dashboard secure and don&#39;t allow others to use them;</li><li>change your password or Revolut Card PIN regularly; and</li><li>keep your email account and the device you use to access the Dashboard secure and don&#39;t allow others to use them.</li></ul> CONTACT US THROUGH THE REVOLUT DASHBOARD IF YOUR REVOLUT CARD IS LOST OR STOLEN, OR IF THE CARD OR YOUR SECURITY DETAILS COULD BE USED WITHOUT YOUR PERMISSION. If you can you should also freeze your Revolut Card using the Revolut Dashboard or by calling the automated number below. If you later realise there&#39;s not a risk to your Revolut Card&#39;s security, you can just unfreeze it. How you can contact usWrite to us:<ul><li>Konstitucijos ave. 21B, 08130 Vilnius, the Republic of Lithuania.</li></ul>Freeze your Revolut Card:<ul><li>+370 5 214 3608.</li></ul>Tell us about a lost or stolen Revolut Card or security details:<ul><li>Send us a message through the Revolut app on someone else&#39;s device.</li><li>Send us a message on social media.</li><li>Email us at feedback@revolut.com or or formalcomplaints@revolut.com.</li></ul>Call us:<ul><li>+370 5 214 3608.</li></ul><h3></h3><h3>13. Giving open-banking providers and third-party providers access to your account</h3>You can allow open-banking providers and third-party providers to have access to your account information or make payments on your behalf. These providers will need to be authorised by a regulator such as the Bank of Lithuania or by the regulator of any other relevant country. If you are thinking of using an open-banking provider or third-party provider, you should ask them for details of their authorisation (if they have any) and check this yourself (you can do this by checking the Bank of Lithuania&#39;s online register of authorised companies). Sometimes we might have to block an open-banking provider&#39;s or third-party provider&#39;s access to your account (for example, if we&#39;re concerned about fraud, or if they don&#39;t have the authorisation they need). If we do this we&#39;ll try to let you know beforehand or as soon as possible afterwards. We&#39;ll do this through the Revolut Dashboard or by email. <h3>14. Are there any restrictions on using the Revolut Dashboard or Revolut Card?</h3>Please act reasonably and responsibly when using the Revolut Dashboard or Revolut Card.The Revolut Dashboard or Revolut Card must not be used (directly or indirectly) as follows:<ul><li>for illegal purposes (for example, committing fraud);</li><li>in a way that we reasonably believe might harm our ability to provide our services;</li><li>only to send money to and receive money from a credit card;</li><li>for any transactions to receive cash (for example, getting cash back), other than making a withdrawal from a cash machine;</li><li>to control or use a Revolut account that’s not yours;</li><li>to give a Revolut Card to any person who is not an authorised person;</li><li>to allow anyone who isn’t an authorised person to have access to or use your account or the Revolut Dashboard;</li><li>to abuse, exploit or get around any usage restrictions set by a service provider your Revolut Card is registered with. For example, you must only use one Revolut Card for any particular service provider that offers a free subscription or trial period;</li><li>to trade in foreign currencies for speculative purposes (that is, to take advantage of any expected rise or fall in the value of a currency) or to take advantage of discrepancies in the foreign exchange market; or</li><li>to use our services to hold or carry out transactions with your clients&#39; money.</li></ul> Please also act in a respectful way towards us and our support staff – we&#39;re here to help you.

<h1>What happens if something goes wrong</h1><h3>24. What happens if someone steals from my account?</h3>Let us know as soon as possible through the Revolut Dashboard (and no later than within 13 months from the date the money was taken from your account). We&#39;ll pay the money back into your account if all of the following apply:<ul><li>you couldn&#39;t have known that your security details or Revolut Card were at risk of being misused;</li><li>the payment happened because someone we&#39;re responsible for made a mistake;</li><li>the payment was taken after you told us that someone knew your security details or your Revolut Card was lost or stolen, or we didn&#39;t give you a way to tell us about this; and</li><li>the law required us to make you follow certain prompts when you instructed us to make the payment and we didn&#39;t do this.</li></ul> We&#39;ll also pay back any charges you had to pay as a result of the payment being taken from your account.We won&#39;t refund any money if you&#39;ve acted fraudulently, or you intentionally or carelessly failed to keep your security details or Revolut Card safe (unless you told us about this before the payment was taken from your account). For example, we wouldn&#39;t make a refund if you gave someone your Revolut Card PIN and they made a payment using your card without you knowing about it. The rules in section 24 above will apply to you if you are a micro-enterprise - a business which employs fewer than 10 persons and whose annual turnover and/or annual balance sheet total does not exceed EUR 2 million. If you are a large corporation, you must contact us within three months of the date the money was stolen from your account. We&#39;ll then refund the amount that was stolen and restore your account to the state it would have been in if the amount had not been stolen. We won&#39;t provide a refund if the theft happened because you didn&#39;t keep your security details safe or evidence suggests that you acted fraudulently. We&#39;ll treat any payment instruction given using the Revolut Card or the Open API as evidence that you authorised the payment or didn&#39;t keep your security details safe. <h3>25. When we might block access to your account, the API Key or your Revolut Card</h3>The safety of your money is important to us. We might prevent you from making payments from your account with the API Key or your Revolut Card if we&#39;re reasonably concerned about its security or that it might be used fraudulently or without your permission. We might also have to block your account or your Revolut Card to meet our legal obligations. We&#39;ll tell you through the Revolut Dashboard before, or as soon as possible after, we block your account, API Key or Revolut Card. We&#39;ll also let you know why we&#39;ve done it (unless it would reduce your or our security or it would be unlawful). We will unblock your account as soon as the reasons for blocking your account no longer exist. We may also refuse to issue a new Revolut Card if you do not have enough money in your account to pay us to issue or deliver the card. <h3>26. How you might owe us money</h3>You cannot borrow money on your account (for example, make payments of more than the value of the money in it), although you may be able to benefit from one of our credit products. If your balance becomes negative (for example, because you do not have enough money to cover fees you owe us), you must within 7 (seven) days upon our request to top up your account with the required amount to correct the negative balance. You won’t pay any fees or interest for the negative balance. If you owe us money, we can take the amount you owe us from any amount we are due to pay to you. We call this our right of set-off. If you owe us money and you don&#39;t add money to your account or repay us within seven days, we can recover the amount by:<ul><li>taking the amount you owe us from your stored card;</li><li>exercising our right of set-off; or</li><li>taking other legal steps to recover the money you owe us, such as instructing lawyers or debt collectors.</li></ul> If we take any (or all) of these steps, we might charge you our recovery costs. You do not have any right of set-off under this agreement. Paying fees or other amounts you owe us (other than third-party fees for making or receiving payments) The fees you may have to pay us are listed in our <a href="https://www.revolut.com/lt-LT/legal/business-fees">Fees page</a>. If you owe us fees (other than third-party fees for making or receiving a payment) or any other amount, we&#39;ll take the amount you owe us from your account, in the currency of the country you live in (your base currency). If not enough money in your account is held in your base currency, we&#39;ll take the equivalent value from money you hold in another currency. If you don&#39;t have enough money in your account to pay the fees or other amounts you owe us, we might recover the amount in another way, as explained above. <h3>27. Your refund rights</h3>This section 27 applies to you only if you are a micro-enterprise - a business which employs fewer than 10 persons and whose annual turnover and/or annual balance sheet total does not exceed EUR 2 million. Revolut Card paymentsYou can ask us to refund an amount taken from your account if all of the following apply:<ul><li>you agreed that a payment could be taken, but didn&#39;t with agree the actual amount of the payment;</li><li>the amount taken is more than you reasonably expected in all the circumstances (including your spending pattern);</li><li>the person you paid is in the EEA;</li><li>you didn&#39;t authorise the payment directly with us;</li><li>we and the person you paid did not give you any information about the payment during the four weeks before it was taken; and</li><li>you ask us for a refund within eight weeks of the payment being taken from your account.</li></ul> For example, you could get a refund if you gave a hotel permission to charge your Revolut Card for anything you take from the minibar, but the hotel has charged you more money than you could reasonably have expected at the time you gave them permission to do this. We may ask you for more information to investigate the matter. We&#39;ll provide a refund, or tell you why we couldn&#39;t provide one, within 10 business days from the date you give us the information we ask for. SEPA direct debitsIf you have made a SEPA direct debit, you do not need to meet the conditions above. You will be entitled to an unconditional refund if you contact us within eight weeks of the date the payment was taken out of your account. Reversing refundsIf we give you a refund and then find that you weren&#39;t entitled to it, you will have to pay us back. If you do not have enough money in your account, we will take the amount you owe us from your stored card. <h3>28. How to make a complaint</h3>If you&#39;re unhappy with our service, we&#39;ll try to put things rightWe always do our best, but we realise that things sometimes go wrong. If you have a complaint, please contact us. We will accept and consider any complaint sent by you to us. Our final response to your complaint, or a letter explaining why the final response has not been completed, will be sent to you within 15 business days of your complaint having been made, and in exceptional circumstances, within 35 business days (and we will let you know if this is the case). You may also at any time submit any of your complaints to the Bank of Lithuania (at Žalgirio g. 90, 09303 Vilnius, the Republic of Lithuania) which will review it as the supervisory authority of financial market participants and will assess whether or not we violated any requirements of the applicable legal acts that are within the competence of the Bank of Lithuania. More informationClick <a href="https://www.revolut.com/en-LT/legal/complaints-policy">here</a> for more information about our complaints handling procedure. HOW TO MAKE A COMPLAINTIf you&#39;d just like to speak to someone about an issue that&#39;s concerning you, please contact us through the Revolut Dashboard. We can usually settle matters quickly through the Revolut Dashboard. You&#39;ll probably need to give us the information below. If you prefer you can make your complaint using this <a href="https://forms.revolut.com/058d9447-abe1-4974-a8ad-234dfc2d77b7">form</a>. Or you can email us at formalcomplaints@revolut.com. You’ll need to tell us:<ul><li>your name;</li><li>the phone number and email address associated with your account;</li><li>what the issue is;</li><li>when the problem arose; and</li><li>how you&#39;d like us to put the matter right. We&#39;ll look into your complaint and respond to you by email. We will communicate with you in English, unless we tell you otherwise.</li></ul>

<h1>Legal bits and pieces</h1><h3>29. How long the agreement between you and us will last</h3>Once the agreement has started it won&#39;t end until you or we end it. CancellationIf we offer you a free trial period and you decide that the account isn&#39;t right for you, you can cancel the agreement for free at any time within the trial period. Please contact us through the Revolut Dashboard if you would like to do this. Automatic renewal and ending the agreement after a trial periodUnless you cancel the agreement during the trial period, you can close your account, and so end the agreement, at any time by letting us know. You should do this through the Revolut Dashboard. You will still have to pay any charges you&#39;ve run up to that point. When you tell us you want to close your account we will give you the opportunity to withdraw the money that is still in your account. If you want us to send you money in a different currency than the currency we&#39;re holding for you, we will convert the currency using the rate that applies at the time, and take our usual fee, before sending the money to you. Cancelling your Revolut CardIf you change your mind and don&#39;t want a Revolut Card any more, that&#39;s not a problem. Just let us know and we&#39;ll cancel it.<h3></h3><h3>30. When could you suspend or close my account?</h3>We may close or suspend your account immediately, and end your access to our website, in exceptional circumstances. Exceptional circumstances include, for example the following:<ul><li>if we have good reason to suspect that you are behaving fraudulently or otherwise criminally;</li><li>if you haven&#39;t given us (or someone acting on our behalf) any information we need, or we have good reason to believe that information you have provided is incorrect or not true;</li><li>if you&#39;ve broken these terms and conditions in a serious or persistent way (for example, if we discover that you&#39;re carrying out a business activity that you are not allowed to carry out while you have a Revolut account);</li><li>we&#39;ve asked you to repay money you owe us and you haven&#39;t done so within a reasonable time;</li><li>we have good reason to believe that your use of the Revolut Dashboard and Revolut account could damage our reputation or goodwill;</li><li>there&#39;s been a change in the beneficial ownership of more than 50% of the issued share capital of your business or a change in a person who holds legal power to manage your business;</li><li>we have good reason to believe that you&#39;ve disposed of significant business assets;</li><li>we have good reason to believe that your use of the Revolut Dashboard is harmful to us or our software, systems or hardware;</li><li>you are a sole trader and you die or you are a partner in a business and the partnership ends;</li><li>there&#39;s been an important change in the type of business activities you carry out;</li><li>you&#39;ve been declared bankrupt or insolvent, are being wound up, or a similar event is taking place; or</li><li>we have to do so under any law, regulation, court order or instructions of the regulator.</li></ul>If we close your account in exceptional circumstances, you will only be able to exchange funds into your base currency and send money via external bank transfer before the account is closed. You will not be able to credit the account, make card payments, withdraw money at an ATM, or send money to other Revolut accounts. Any inbound payments will be rejected and returned to the sender. We may also close your account for other reasons. If you are a micro-enterprise – a business whose annual turnover and/or balance sheet total does not exceed EUR 2 million (or the equivalent in pound sterling) and employs fewer than 10 people – we will give you a reasonable amount of time to transfer the money in your account. If you&#39;re a large corporation we can end this agreement by giving you 30 days&#39; notice, or immediately if you break these terms and conditions. Closing your Revolut account and ending your agreement with us may also end any other agreements you have with us or through us with third parties. If your account has been temporarily restricted, we may not be able to close your account until we have completed our enquiries. Please speak to us through the Revolut Dashboard or contact us for more information.<h3></h3><h3>31. We can change these terms</h3>If you&#39;re a micro-enterprise (a business which employs fewer than 10 persons and whose annual turnover and/or annual balance sheet total does not exceed EUR 2 million), we&#39;ll only change these terms and conditions for the following reasons:<ul><li>if we think it will make them easier to understand or more helpful to you;</li><li>to reflect the way our business is run, particularly if the change is needed because of a change in the way any financial system or technology is provided;</li><li>to reflect legal or regulatory requirements that apply to us;</li><li>to reflect changes in the cost of running our business; or</li><li>because we are changing or introducing new services or products that affect our existing services or products covered by these terms and conditions.</li></ul> Telling you about changesIf we add a new product or service that doesn&#39;t change the terms and conditions of your account, we may add the product or service immediately and let you know before you use the product or service. Otherwise, we&#39;ll give you sixty (60) days’ notice through the Revolut Dashboard before we make any change. We&#39;ll assume you&#39;re happy with the change unless you tell us that you want to close your account before the change comes into effect. If you&#39;re a large corporation, we can change these terms for any reason. If we add a new product or service that doesn&#39;t change the terms and conditions of your account, we may add the product or service immediately and let you know before you use the product or service. Otherwise, we&#39;ll give you two weeks&#39; notice through the Revolut Dashboard before we make any change. We&#39;ll assume you&#39;re happy with the change unless you tell us that you want to close your Revolut account before the change is made. <h3>32. Are you responsible if something goes wrong with my account, my Revolut Card or the Revolut Dashboard?</h3>We&#39;ll do as much as reasonably possible to make sure that our services are not interrupted and are accessible at a reasonable speed. However, we can&#39;t guarantee (except as required by law) that this will always be the case or that the services will be free from faults. This is partly because we also rely on some third parties to provide services to you. If you have a Revolut Card, we will let you know about any changes to our system that will affect your ability to use the card. If you can&#39;t use your Revolut Card for any reason we will only be responsible to you for replacing that card. We won&#39;t be responsible to you for any of the following, whether direct or indirect, that arises in connection with these terms and conditions:<ul><li>loss of income or profit;</li><li>loss of goodwill or damage to your reputation;</li><li>loss of business contracts or opportunities;</li><li>loss of anticipated savings; or</li><li>consequential loss.</li></ul> Except when the law states otherwise, we also won&#39;t be liable for any loss you suffer as a direct or indirect result of the following:<ul><li>the actions of any authorised person acting in line with these terms and conditions and within any restrictions you have set;</li><li>you giving us incorrect or incomplete information;</li><li>any delays in or disruptions to our services;</li><li>any faults, mistakes or inaccuracies of any kind in our services;</li><li>information or services provided by third parties; or</li><li>anything a third party does or fails to do.</li></ul> Nothing in these terms and conditions removes or limits:<ul><li>our liability for death or personal injury resulting from our negligence, or from fraud or fraudulent claims or statements; or</li><li>any other liability which, by law, cannot be removed or limited.</li></ul>This section 32 does not apply to our responsibility to refund any amount under section 27. Losses arising as a result of legal or regulatory requirements, or unusual or unexpected eventsWe will not be responsible for any losses you suffer or costs you have to pay because of a legal or regulatory requirement, or because there were unusual or unexpected events outside our control, unless those losses or costs result from us failing to meet our obligations to make payments into or out of your account. However, we will not be responsible for losses or costs relating to us failing to make payments into or out of your account if this was because of events beyond our control which we could not have avoided, even if we had taken all reasonable steps to prevent them.<h3></h3><h3>33. When you might be responsible for our losses</h3>You may be responsible to us for certain lossesIf you have broken these terms and conditions, and/or have has caused us to suffer a loss, the following will apply:<ul><li>you will be responsible for any losses we suffer as a result of your action (we will try to keep the losses to a minimum);</li><li>if your actions result in us losing profits, you may also be responsible for those losses. You won&#39;t be responsible if this would mean that we are compensated twice for the same loss; and</li><li>you will also be responsible for any reasonable legal costs that arise as a result of our losses.</li></ul><h3></h3><h3>34. Permission for us to process your personal data</h3>To provide services under the agreement we will need to collect and process information about you (and any authorised person). The Data Processing Addendum set out in the Schedule of these terms and conditions sets out your and our obligations in respect of the personal data you provide us or we otherwise process in connection with these terms and conditions. ConfidentialityBy entering into this agreement you give us permission to disclose to other entities within the Revolut group (including Revolut Ltd), the following information:<ul><li>the fact that you are our client;</li><li>what services we provide to you;</li><li>the account number;</li><li>your account balance(s);</li><li>operations performed or being performed on your behalf;</li><li>your debt obligations to us;</li><li>circumstances of providing the financial services to you;</li><li>your financial situation and assets;</li><li>other commercial information you have provided to us when opening the account; and</li><li>your activities, plans, debt obligations or transactions with other persons.</li></ul> All of the above we call a “client secret”, which we have to protect as required by the applicable regulations.<h3></h3><h3>35. Our intellectual property</h3>All the intellectual property in our products (for example, the content in the Revolut Dashboard and on our website, and our logo and card designs) are owned by our parent company, Revolut Ltd (a company incorporated in England and Wales with company number 08804411, whose registered office is at 7 Westferry Circus, London, United Kingdom, E14 4HD) and is being used by us and other Revolut Group companies. You must not use our intellectual property as your own, except to enjoy our products. You also must not reverse-engineer any of our products (that is, reproduce them after a detailed examination of their construction or composition).<h3></h3><h3>36. Some legal bits and pieces</h3>Our contract with youOnly you and we have any rights under the agreement. You may not transfer or assign any of your rights or obligations under these terms and conditions. Our right to transfer and assignYou agree and permit us to merge, reorganize, spin-off, transform or execute any other form of reorganization or restructuring of our company or business and/or transfer or assign all of our rights and obligations under these terms and conditions to any third party. We will only transfer any of your and our rights or obligations under the agreement if we reasonably think that this won&#39;t have a significant negative effect on your rights under these terms and conditions or we need to do so to keep to any legal or regulatory requirement, or it is done as a result of implementation of reorganization (or a similar process). You will be able to terminate your account upon notification about the assignment, merger, reorganisation or any other similar notification. Lithuanian law appliesYou and we hereby confirm our choice that the laws of the Republic of Lithuania apply to these terms and conditions and the agreement. The English version of the agreement appliesIf these terms and conditions are translated into another language, the translation is for reference only and the English version will apply. By entering into this agreement and accepting Revolut services, you confirm that you (and any of your authorised persons) understand English language and agree to communicate with Revolut in English language as far as the legal relations arising under this agreement are concerned including with respect to submitting and resolving any complaints. Our right to enforce the agreementIf you have broken the agreement between you and us and we don&#39;t enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing those or any other rights at a later date. Taking legal action against usAny legal action between you and us will be decided in the courts of the Republic of Lithuania.

<h3>SCHEDULE</h3><h3>DATA PROCESSING ADDENDUM</h3> DefinitionsThe following definitions apply in this Data Processing Addendum:“Account administrator”, “authorised user” and “authorised cardholder” have the meanings given to them in section 8 of the terms and conditions; “Data Protection Laws” means any applicable law relating to the protection of personal data, including (i) in the United Kingdom, the Data Protection Act 2018 and the UK GDPR (as defined in the Data Protection Act 2018); and (ii) in the European Union, the General Data Protection Regulation (EU) 2016/679 and any Member State law implementing or transposing the same; in each case, as amended, superseded or replaced from time to time.“Data Subject Request” means a request by a data subject to exercise their rights under Data Protection Laws.“DPA” means this Data Processing Addendum.The terms “controller”, “data subject”, “personal data”, “personal data breach” “processing” and “processor” have the meanings given to them under Data Protection Laws. GeneralWe may act as either a controller or a processor of the personal data we process in the course of performing our obligations under the terms and conditions. More information on the situations when we act as a controller or a processor is set out in the sections headed “Revolut as a controller” and “Revolut as a processor” below.You and we both agree to comply with our obligations under Data Protection Laws when performing our respective obligations under the terms and conditions (and, specifically, this DPA).You warrant that you have all rights and have provided all necessary notices to affected data subjects required under Data Protection Laws to share any personal data with us pursuant to the terms and conditions. Revolut as a controllerRevolut will act as a controller of any personal data it processes in relation to account administrators and authorised users in connection with the terms and conditions. For more information on how Revolut will handle such personal data, please see our <a href="https://www.revolut.com/legal/business-customer-privacy-notice/">Revolut Business Customer Privacy Notice</a>. Revolut as a processorRevolut will act as a processor of any personal data it processes in relation to authorised cardholders (“Authorised Cardholder Personal Data”) in connection with the terms and conditions. Processor obligationsWhere we process Authorised Cardholder Personal Data pursuant to the terms and conditions, we will:<ul><li>only process the Authorised Cardholder Personal Data in accordance with your written instructions (which are exclusively and comprehensively set out in the terms and conditions), unless we are otherwise required to process the Authorised Cardholder Personal Data to comply with applicable laws, in which case we will, to the extent permitted by the relevant law, notify you of this requirement prior to processing the Authorised Cardholder Personal Data for this purpose;</li><li>ensure that all our personnel that have access to and/or process Authorised Cardholder Personal Data are obliged to keep it confidential;</li><li>implement appropriate technical and organisational security measures to safeguard Authorised Cardholder Personal Data against unauthorised or unlawful processing, access, copying, modification, storage, reproduction, display, or distribution, and against accidental loss, unavailability, destruction, or damage;</li><li>to the extent technically possible, provide you with reasonable assistance in respect of any Data Subject Request you receive in relation to the Authorised Cardholder Personal Data;</li><li>notify you without undue delay if we become aware of a personal data breach affecting the Authorised Cardholder Personal Data and provide you with such assistance as you may reasonably require to comply with your obligations under Data Protection Laws in respect of such personal data breach;</li><li>where necessary, assist you in ensuring compliance with your obligations under Data Protection Laws with respect to data protection impact assessments and prior consultations with data protection supervisory authorities or regulators;</li><li>upon your request, either delete or return the Authorised Cardholder Personal Data to you upon termination of the services, unless we are required by applicable laws to retain any such data; and</li><li>upon your request, provide you with appropriate records to demonstrate our compliance with this DPA. In the event you (acting reasonably) consider the records we provide to be insufficient to demonstrate our compliance with this DPA, we will allow you, or an independent auditor appointed on your behalf, to conduct an audit of our premises for this purpose, subject to the following conditions: (i) we must give prior written approval for any independent auditor you nominate, such approval to not be unreasonably withheld by us; (ii) you may only exercise your right to audit us once per calendar year; and (iii) any such audit must be notified to Revolut in writing at least 30 days in advance of the audit.</li></ul> Processing activitiesThe details of the processing to be carried out by us as a processor on your behalf are as follows:<ul><li>Subject matter, nature and purpose of the processing: provision of the services.</li><li>Duration of the processing: the duration of these terms and conditions.</li><li>Categories of personal data: names, addresses, dates of birth, usage information, transaction details.</li><li>Categories of data subjects: authorised cardholders.</li></ul> Appointment of Sub-processorsYou consent to Revolut appointing third parties to process Authorised Cardholder Personal Data (“Sub-processors”) to assist with the provision of the services. Before appointing or replacing any Sub-processor, we will provide you with reasonable advance notice to give you an opportunity to object to such appointment or change.In respect of each Sub-processor, we will:<ul><li>require the Sub-processor to agree to obligations substantially similar to those imposed on us under this DPA; and</li><li>remain liable to you for the acts and omissions of the Sub-processor.</li></ul> International transfersWe may transfer any personal data we process in connection with these terms and conditions outside of the United Kingdom and European Union provided that we will ensure that any such international transfer of personal data will be carried out in accordance with Data Protection Laws. Liability The exclusions and limitations of liability set out under section 32 of the terms and conditions will apply to this DPA.

Business Terms