Inform Debtor JSC (company number 304921720) is a company registered in the Republic of Lithuania, with their office at L.Giros str. 10, LT-06325 Vilnius, Lithuania.
Inform Debtor is only an information system; its main business is debt management and administration on an international scale.
To be eligible for our services, you must be at least 18 years old and a resident of the member state of the European Union (EU) or the European Economic Area (EEA).
You must be able to sign legal contracts provided for by law. You must have civil legal capacity in accordance with the existing legislation. Other restrictions may apply. Inform Debtor will always rely on the contract and will make decisions in accordance with the terms and conditions of the contract. By using the Inform Debtor system, you are requesting that an action be performed on your behalf, therefore we have the full right to accept or reject such a request at our discretion from our place of business.
Most parts of the website can be used by a non-registered user. However, some content of the website is available to registered users only.
Upon registration, you will be able to obtain a username and a password in order to enable you to access the private area of the website and use the service.
By registering, you agree to provide true and complete information as prompted by the registration form, and to update this information to keep it true and complete at all times. You must notify Inform Debtor as soon as you become aware of any error in any information you have provided.
You are solely and absolutely responsible for maintaining the security and confidentiality of login credentials enabling you to log in to the Inform Debtor website.
Inform Debtor is entitled to assume that anybody who uses the username and password has your permission to do so or you do so personally, therefore Inform Debtor accepts no responsibility for the use of login credentials without your knowledge, except in cases where the use has been by employees of Inform Debtor or where you have refused to comply with these General Terms and Conditions.
If you agree to these General Terms and Conditions by paying for the services, it is your responsibility to make sure the data required to make a money transfer are accurate.
Once you have paid for the services, Inform Debtor becomes liable for charges, including, but not limited to, chargeback or other fees, and you agree to reimburse us for such fees. In order for us to be able to collect such a fee from you, you grant us the right to debit the amount due from, or charge it to, your payment instrument you provide us in connection with your use of our service (“payment instruments” may be your credit card, debit card, Paysera, or bank account).
If we are unable to charge or debit the amount due, or there are insufficient funds in your account, you grant us the right to repeat the operation one or more times using the same or another payment instrument. For example, if there are insufficient funds in your bank account at the time you pay for the service(s), we may try to debit your bank account or charge your credit card at a later time.
You warrant that you are the lawful owner of the payment instruments used. You confirm that you are the lawful owner of the bank account attached to any payment method notified by you.
Inform Debtor is not responsible for a delay that may occur on account of missing the unique order number in the wire transfer instructions.
When you pay for the services in one currency, and the recipient receives money in another currency, please note that there will be a difference between the exchange rates. Inform Debtor and/or our service providers usually have the minimum margin in this situation. The currency conversion rate shown on the website applies to currency exchange transactions done on that particular day and time. It in no way guarantees the exchange rate that will actually be applied on a future date or time to the payment for services initiated by you.
Inform Debtor has no responsibility for additional fees that may apply when you use one or another payment instrument for a money transfer. These fees may include, but are not limited to, unauthorised overdraft fees if there are insufficient funds in your account, “cash advance” fees or additional interest which may be imposed by the credit card provider if this provider treats the service provided by us as a cash transaction rather than a purchase transaction. Banks have specified times for the receipt and dispatch of payments, therefore Inform Debtor accepts no responsibility whatsoever for any delay in payments related to the cut off times specified by banks for financial operations.
Please let us know if you have problems using our service. You can contact us using the contact information at the bottom of this document.
You have the right to terminate the agreement with us after you have made a money transfer. This right of cancellation continues until fourteen days after you have made a payment for the services. If you decide to exercise the right of cancellation, please be informed that we may apply a cancellation fee.
We will consider your written request for a refund (sent at the email or postal address indicated at the bottom of the document) if you provide the sender’s full name, residential address and phone number, as well as the unique money transfer identification number, the transfer amount, and the reason for sending the request.
Any refunds will be credited back to the same payment instrument used to fund the transfer and in the same currency. No adjustment will be made for any currency fluctuations which may have occurred in the meanwhile. If we decide to provide you with a refund for your payment for the services, it will be the amount you paid for the services.
The Republic of Lithuania and many international legal acts require all financial institutions to assist in the fight against money laundering activities and the funding of organisations suspected of terrorism by obtaining, verifying, and recording information about all customers.
In accordance with the Money Laundering Regulations 2007, we may ask you to provide sufficiently detailed personal information to enable us to verify the residential address and other data in order to confirm your identity.
For that we may ask you to submit certain documents, e.g. a copy of your passport. Inform Debtor reserves the right to use the access to various government and private databases, and services of credit reference agencies which may help verify the authenticity of the data submitted by you. If certain databases provide a match to the information you provide, then we may not have to ask you for copies of documents to help us confirm your identity.
All information that you provide to use the service provided by us is protected in accordance with the Data Protection Act 1998. You agree that Inform Debtor may use personal data to provide the services, assess the risks that may arise in the provision of the services, as well as for the purposes set out in the General Terms and Conditions and to enable Inform Debtor to enforce their rights hereunder.
You should be aware that: if we receive a request from the police or another regulatory or government authority investigating illegal activities, or if we receive a court order to provide personal information and/or information concerning your activities whilst using our website, we must provide such data to them; we reserve the right in our discretion to disclose details of the use of our website by you, or other persons to whom you grant the right to do so, in case of a threat or court proceedings in connection with the terms and conditions provided for herein.
In no event shall Inform Debtor, service providers, or their respective subsidiaries, partners or employees be liable for any direct, indirect, incidental, special, consequential or exemplary damages beyond the amount of service charge.
Inform Debtor shall not be liable for any direct, indirect damages or other losses caused to the user arising due to delayed communication, non-performance of instructions or delay in financial operations beyond control of Inform Debtor. Possible reasons: failure of operational systems, technical failures, natural calamity, floods, fire and other natural disasters, legal restraints, faults in telecommunications or other network, software or hardware failures, labour problems, strikes and other reasons that cannot be foreseen and controlled by Inform Debtor.
You understand and agree that copyright, database rights and other intellectual property rights related to the design, layout, processes, programme code, functions, data and content of our website are the property of Inform Debtor, our information providers and licensors.
The website is owned and operated by Inform Debtor. No part of the website, its content, software and databases may be copied or reproduced, transferred to third parties, or used to create any derivative product (whether in physical or electronic form) without the written consent of Inform Debtor.
You are allowed to view and retain copies of the pages of this website for your own personal, non-commercial use only. You agree: not to use any robot, spyware or another automated device while using the service; not to remove or alter any author, trademark or other proprietary notice or legend displayed on this website (or printed pages thereof).
Inform Debtor aims to provide the highest level of customer service possible. If you experience a problem, Inform Debtor will always seek to resolve it quickly and as efficiently as possible. For complaint procedures, contact us by email at firstname.lastname@example.org.
In the unlikely event, that you are dissatisfied with the service provided by us, in the first instance, in accordance with the complaint procedures, Inform Debtor will ask you to contact it by email at email@example.com. Where the initial complaint is verbal, it must be followed up as soon as possible with a written complaint. We will acknowledge receipt of your complaint within 2 business days. We will investigate your complaint and come back to you with the investigation results no later than 2 weeks of receipt of your complaint.
These General Terms and Conditions may change from time to time, for example in order to comply with changes in the law or regulatory requirements or due to changes in market conditions.
Inform Debtor will notify you of any changes hereto by email and/or by placing a notice on the website. Inform Debtor gives you the possibility to object to the changes hereto within 30 calendar days. If you do not raise any claims challenging the changes during the indicated period, it will be deemed that you agree to them. If you do not agree to the changes, the contract will be deemed to be terminated. Inform Debtor will also inform you of the date from which any change is to take effect (the “Effective Date”).
Changes made to these General Terms and Conditions normally only apply to the services provided after the Effective Date but may also apply to the services provided before the Effective Date where this is required by the existing legislation and other regulatory instructions.
The service we provide and the information contained in this website do not constitute investment or financial advice, therefore nothing relating to the provision of the information herein shall be construed as creating an advisory, e.g. financial advice, relationship between Inform Debtor and you or any other third party. Any comments or statements made are not a recommendation that a particular course of action is suitable for you and should not be regarded as investment advice.
Before making any investment decision on the basis of reports and other information, you must read any relevant disclosure document and make your own investigations regarding the accuracy, reliability and completeness of information provided in reports and other sources. You should also seek advice from an expert able to assess the decision in light of your financial situation and investment needs, provide personal consultation or advice.
The information, other material, advice, suggestions, illustrations, notifications, and circulars displayed on this website are collectively called “the contents”.
Inform Debtor assumes no responsibility for mistakes, inaccuracies, typographical errors, etc. in the contents, nor does it make any other warranty regarding the content provided through the website. Inform Debtor disclaims all liabilities in respect of the contents. Any action taken on the basis of the contents will be at your own risk and responsibility. Inform Debtor reserves the right to alter any part of the contents at its own discretion, any time, as and when required. The contents of the website, or parts thereof, should not be displayed in printed or any other form without the consent of Inform Debtor.
These General Terms and Conditions are governed and construed in accordance with Republic of Lithuania law, and any arising dispute will be determined by the courts in the Republic of Lithuania. The General Terms and Conditions are written in the Lithuanian language, which shall also be the language of the Contract. Subject to agreement of the parties, the law of another country may also apply for settlement of disputes, but Inform Debtor has the right to accept or reject the relevant offer.
All communication between us and you shall be made in the Lithuanian language or another language introduced in the Inform Debtor system, i.e. any communication between the parties may also be made in the language in which we provide the services to our customers on the website.
Where any translation of these General Terms and Conditions is undertaken into another language, the original version (in the Lithuanian language) shall prevail over any translation.
In these General Terms and Conditions the following terms and definitions are used:
“Services” mean all payment services and related products available through this website.
“Creditor” means someone who uses the service.
“Debtor” means someone who receives information through the service.
“Destination Country” means the country to which information intended for the recipient is sent through the service.
“Payment Instrument” means a valid instrument of payment such as a bank account, debit card or credit card.
“Verify” means that you have to complete the verification process in order to help establish your identity with Inform Debtor.
“Website” means any URL, such as www.informdebtor.com, which we use to provide the services.
“Password” means the login password defined by you at the time of registration.
“Effective Date” means the date on which our General Terms and Conditions become effective.
Inform Debtor UAB
L.Giros g. 10
El. paštas: firstname.lastname@example.org