Terms and Conditions

Business Cards Terms and Conditions

1. These Terms 1.1. What these Terms cover. These are the terms and conditions which govern the use of the Card, which you have been issued with or will be issued with.
   1.2. Why you should read them. Please read these Terms carefully before you use your Card, as they apply to the services provided by us. These Terms tell you who we are, who we work with, how you can use your Card and the steps you need to take to protect yourself from unauthorized use of the Card and how you and we may change or end the contract, what to do if there is a problem and other important information. If there are any terms that you do not understand or do not wish to agree to, or you think that there is a mistake in these Terms, please contact us to discuss.
   1.3. Interpreting these Terms. In order to easily understand these Terms, please first refer to clause 3 which, amongst other things, sets out the meaning of capitalized terms used in these Terms.
   1.4. How can you agree to these Terms? By using your card, you are demonstrating your agreement to these Terms.
   1.5. When will you become a client of ours? You will be bound by these Terms once you have agreed to it as set out above and these Terms shall remain in force until terminated in accordance with its conditions.

2. Information about us and how to contact us
   2.1. Who we are. We are Codego SRL – Via Monte Napoleone 8, 20100 Milan Italy, an authorized card Distributor and who operates as an approved Program Manager and registered service provider. All transfers of funds are processed by Codego partner financial institutions using the certified “Codego” technology. All Codego partners are eMoney Institutions and/or banks that authorize the distribution of services using Codego technology. Codego Bulgaria LTD Licensed and Regulated from Ministry of Finance for Financial Services, payment services provider, Virtual Asset management and exchange services with license BB139, Codego Czech sro is authorized to distribute Virtual asset management and fiat services wallet custody. Codego web address is https://codegopay.com/.
   2.4. We, Codego, the Card Distributor will be your first point of contact in relation to these Terms and can be contacted by email – https://support.codegotech.com/ for example if you:
   2.4.1. wish to cancel the Card or complain about the service you have been provided with pursuant to these Terms;
   2.4.2. let us know that the Card has been or potentially has been lost, stolen or misappropriated;
   2.4.3. report an unauthorized Transactions relating to your Card.
   2.5. The services provided by the Card Distributor are governed by these Terms and conditions which are set out in the following weblink https://codegopay.com.
   2.6. We ensure that once we have received the funds they are deposited in a secure account, specifically for the purpose of redeeming Transactions made by the Card. In the event that we become insolvent, funds against which we have already issued E-Money are protected against the claims made by creditors.
   2.7. At your request, part or all of the E-Money held on the Card will be redeemed at their par value at any time, except if otherwise established under these Terms or legal acts. You can choose the amount of redeemed E-Money. Where redemption of E-Money is requested by you on or up to one year after the date of the termination of these Terms, the total monetary value of the E-money held by you will be redeemed.
   2.8. How to contact us. You can contact us, via https://support.codegotech.com/
   2.9. How we may contact you. If we have to contact you, we will do so by telephone or by writing to you at the telephone number, email address or postal address you provided to us. Any changes to your telephone number, email address or postal address or other personal data we hold about you must be notified by you immediately and in writing.

3. Interpretation
   3.1. The definitions set out in this clause apply in these Terms as follows:

   • “Account” means E-Money account associated with the Card.
   • “AISP” means account information service provider.
   • “ATM” means automatic teller machine.
   • “Business Day” means a day when the clearing banks in Brussels are open for business, excluding Saturdays, Sundays and public holidays in Belgium.
   • “Card” means business card, which is only to be used for business expenses, non-transferable card scheme branded card which you have been issued with or will be issued with by us.
   • “Card Distributor” means Codego being your first point of contact if you have an issue with the Card or this Agreement, the contact details of which are set out in this clause.
   • “Card Distributor’s Website” means Card Distributor’s website, https://codegopay.com/
   • “Cardholder” means the person/employee who has received the business card and is authorized to use that card as provided, in accepting these Terms and is acting for a purpose of business expense program.
   • “Durable Medium” means an instrument which enables you to store information addressed personally to you in a way accessible for future reference for a period of time adequate for the purposes of the information and which allows the unchanged reproduction of the information stored.
   • “E-Money” means electronic money, i.e. electronically stored monetary value as represented by a claim against us.
   • “E-statement” means information provided in Durable Medium on the available balance in your Account and the details of any Transactions you have entered into.
   • “Electronic Money Institution” means licensed electronic money institution, authorized to issue E-Money and provide payment services.
   • “Expiry Date” means the expiry date printed on the Card.
   • “PAN” means primary account number, i.e., the Card number on the Card.
   • “Partner” means any of our banking providers and any other business partners.
   • “PIN” means secret personal identification number associated with a Card which can be used as one method of authorizing Transactions.
   • “PISP” means payment initiation service provider.
   • “Physical Card” means a “physical” Card, which will have the details of the PAN, the Expiry Date of the Card and the CVV code printed on it.
   • “Table” means Fee, Limits and Restrictions Table set out in Summary box attached to these Terms.
   • “Terms” means these terms and conditions which govern the use of the Card which you have been issued with or will be issued with.
   • “Transactions” means transactions referred to in clause 6.1 of these Terms.
   • “Virtual Card” means “virtual” Card, in which case you will not receive a Physical Card but will receive details of the PAN, the Expiry Date and the CVV2 code.
   • “Website” means our website, currently https://codegopay.com/
     3.2. Sub-clause, clause and paragraph headings shall not affect the interpretation of these Terms and references to sub-clauses, clauses and paragraphs are to the sub-clauses, clauses and paragraphs of these Terms.
     3.3. Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.
     3.4. Unless the context otherwise requires, words in the singular shall include the plural, and in the plural shall include the singular.
     3.5. A reference to a statute or statutory provision is a reference to it as amended, extended or re-enacted from time to time and reference to a statute or statutory provision shall include all subordinate legislation made from time to time.

4. Commencement and Expiry of These Terms
   4.1. You shall be deemed to accept these Terms as set out above. The Card shall remain our property and will be delivered on our behalf by the Card Distributor.
   4.2. The Terms, excluding Section 8.3, will terminate on the Expiry Date unless the Card is auto-renewed, in which case you will be issued with a new Card before the existing one expires. In this instance these Terms will remain valid until the existing Card expires or is otherwise as set out in these Terms.

5. Issuance and Activation of the Card
   5.1. You may be issued with:
   5.1.1. a Physical Card;
   5.1.2. a Virtual Card.
   5.2. In order to start using the Card, you may be required to activate it in accordance with instructions given to you by the Card Distributor. You must keep your Physical Card and the details of the Virtual Card (as applicable) in a safe place and protect it against unauthorized access or use by third parties.
   5.3. If you are issued with a Physical Card:
   5.3.1. you must sign the Physical Card as soon as you receive it;
   5.3.2. you will also receive a PIN separately via email.
   5.4. You should memorize your PIN when you receive it. If you need to keep the written version of the PIN or separately write the PIN down for future reference, you must never keep it with the Card. You must never disclose your PIN to any other person, not even us. If you have not protected your PIN and your Card is used without your knowledge using the correct PIN, this may be classed as negligence for the purposes of Section 9.
   5.5. You can manage the Card on your secure area of the Card Distributor’s Website.
   5.6. The Card shall remain valid until the Expiry Date. If you require a replacement Card, please contact the Card Distributor using the contact details set out in section 2.10. Please note that an additional fee may be charged for a replacement Card – please see the fees in the dedicated section for more information.
   5.7. The Card is an E-money product and as such it is not covered by the Deposit Insurance Scheme of the Kingdom of Belgium or a comparable guarantee scheme in any other country. You may only use the Card for lawful Transactions.

6. Transactions
   6.1. Should the relevant card scheme and/or program allow, you may use your Card to enter into the following Transactions:
   6.1.1. purchasing goods and/or services from merchants affiliated with the card scheme on your Card;
   6.1.2. withdrawing cash from authorized banks worldwide;
   6.1.3. receiving cash back from merchants (merchant dependent);
   6.1.4. making cash withdrawals from ATMs.
   6.2. You can authorize a Transaction by:
   6.2.1. allowing a merchant to swipe the magnetic strip of the Card and the corresponding sales slip being signed; or
   6.2.2. inserting the Card into a chip & PIN device and the correct PIN being entered;
   6.2.3. providing relevant information to the merchant that allows the merchant to process the Transaction, for example, providing the merchant with the PAN, the Expiry Date and the CVV2 in the case of an internet or other non-face-to-face Transaction;
   6.2.4. relevant information being provided to the payment initiation service provider that allows the payment initiation service provider to process the Transaction;
   6.2.5. tapping the Card against a “contactless” enabled reader and accepted by such reader.
   6.3. If any of the methods of authorization set out in section 6.2 are used, we shall be entitled to assume that you have authorized a Transaction unless we were informed that the relevant details of the Card have been lost, stolen or misappropriated prior to the Transaction taking place.
   6.4. You acknowledge the correctness of the amount of each Transaction which you authorize.
   6.5. Once you have authorized a Transaction, the Transaction cannot be stopped or revoked. You may in certain circumstances be entitled to a refund in accordance with these Terms.
   6.6. On receipt of notification of your authorization of a Transaction and the Transaction payment order from the merchant and/or authorized bank, normally we will deduct the value of the Transaction, plus any applicable fees and charges, from the available funds in the Account. We will execute the Transaction by crediting the account of the merchant’s or ATM operator’s or bank’s (as applicable) payment service provider by the end of the next Business Day following the notification. If the notification is received on a non-Business Day or after 5:30 pm on a Business Day, it will be deemed received on the next Business Day.
   6.7. We are not liable if, for any reason, the affiliated merchants or authorized banks do not accept the Card, or accept it only partly, nor are we liable in the case of late delivery of, or failure to deliver, goods or services. In the event of disputes or complaints of any kind concerning goods or services, or the exercise of any right in this connection, you should contact the affiliated merchant and/or authorized bank and/or ATM operator.
   6.8. It is your responsibility to ensure that there are available funds in your Account to cover any spend, allowing for any foreign exchange fees and other applicable fees under these Terms. Should the Account at any time and for any reason have a negative balance, you shall repay the excess amount immediately and in full.
   6.9. For Card usage conducted in other currencies (other than the currency of the Card), you shall accept the exchange rate used by Mastercard, which can be found on Mastercard’s website. Any changes in exchange rates may be applied immediately and without notice. The exchange rate, where applicable to a Transaction, will be shown in the E-statement. Different exchange rates may apply when reserving or debiting funds. Please be careful when opting to use a merchant’s, bank’s or ATM operator’s exchange rates as they are often less competitive than the card scheme’s exchange rate.
   6.10. The maximum amount you may withdraw in cash shall be subject to a daily limit, irrespective of the available funds in the Account. We may charge a fee for withdrawal of cash. Some ATMs may charge an additional fee, which is not included in the Table; however, it will apply on top of the fees set out in the Table. ATM withdrawals may also be subject to foreign exchange rates, maximum withdrawal limits, rules, and regulations of the relevant ATM operator or bank. It is your responsibility to check whether any such additional fees apply, as they cannot be refunded once the cash has been withdrawn.
   6.11. We and the Card issuer have the right to review and change the spending limits on the Card at any time. You will be notified of any such changes via the Card Distributor’s Website.

7. Non-execution of a Transaction
   7.1. In certain circumstances we may refuse to execute a Transaction that you have authorized. These circumstances include:
   7.1.1. if we have reasonable concerns about the security of the Card or suspect the Card is being used in a fraudulent or unauthorized manner;
   7.1.2. if there are insufficient funds available to cover the Transaction and all associated fees at the time that we receive notification of the Transaction or if there is an outstanding shortfall on the balance of the Account;
   7.1.3. if we have reasonable grounds to believe you are acting in breach of these Terms;
   7.1.4. if there are errors, failures (mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing Transactions; or
   7.1.5. if we are required to do so by law.
   7.2. Unless it would be unlawful for us to do so, where we refuse to complete a Transaction, we will notify you as soon as reasonably practicable that it has been refused and the reasons for the refusal, together, where relevant, with the procedure for correcting any factual errors that led to the refusal. Where the refusal is reasonably justified, we may charge you a fee when we notify you that your payment request has been refused.
   7.3. You may also claim a refund for a Transaction that you authorized provided that your authorization did not specify the exact amount when you consented to the Transaction, and the amount of the Transaction exceeded the amount that you could reasonably have expected it to be considering your previous spending pattern on the Card, these Terms and the relevant circumstances.
   7.4. Such a refund must be requested from us within 8 weeks of the amount being deducted from the Card. We may require you to provide us with evidence to substantiate your claim. Any refund or justification for refusing a refund will be provided within 10 Business Days of receiving your refund request or, where applicable, within 10 Business Days of receiving any further evidence requested by us. Any refund shall be equal to the amount of the Transaction. Any such refund will not be subject to any fee.

8. Access to Information on Transactions and Available Funds in the Account
   8.1. Please access your Account associated with the Card where you can view the available balance and the details of any Transactions you have entered into. You must keep the credentials to obtain access to the secure areas safe and not disclose them to anyone.
   8.2. We can, upon request, send you monthly E-statement by email setting out:
   8.2.1. a reference enabling you to identify each Transaction, the payer/payee, as well as other details transferred together with the Transaction;
   8.2.2. the amount of each Transaction;
   8.2.3. the currency in which the Card is debited/credited;
   8.2.4. the amount of any Transaction charges including their breakdown, where applicable;
   8.2.5. the exchange rate used in the Transaction by us and the amount of the Transaction after the currency conversion, where applicable; and
   8.2.6. the Transaction debit/credit value date.
   8.2.7. If you would like us to provide you with the E-statement more often than monthly or not by email (or if agreed differently under this section 8, more often than agreed or in a different manner than agreed) then we may charge you a reasonable administration fee to cover our costs of providing the information more often or in a different manner.
   8.3. If for any reason you have some available funds left in your Account following the termination of these Terms, you may redeem them by contacting us using the contact details set out in clause 2.10.

9. Loss of the Card / Transaction Refunds
   9.1. As soon as you become aware of any loss, theft, misappropriation or unauthorized use of the Card, PIN or other security details, you must immediately notify us using the contact details set out in section 2.10.
   9.2. In the event of theft, you should consider reporting the theft to the police.
   9.3. If we believe you did not authorize a particular Transaction or that a Transaction was incorrectly carried out, in order to get a refund, you must contact us as soon as you notice the problem using the contact details set out in section 2.10 and in any case no later than 13 months after the amount of the Transaction has been deducted from your Account.
   9.4. We will refund any unauthorized Transaction and any associated Transaction fees and charges payable under these Terms subject to the rest of this section 9.
   9.5. This refund shall be made as soon as practicable and, in any event, no later than the end of the Business Day following the day on which we become aware of the unauthorized Transaction, unless we have reasonable grounds to suspect fraudulent behavior and notify the appropriate authorities. If we become aware of the unauthorized Transaction on a non-Business Day or after 5:30 pm on a Business Day, we will be deemed to have only become aware of the unauthorized Transaction at the beginning of the next Business Day.
   9.6. If we are liable for an incorrectly executed Transaction, we will immediately refund you the amount of the incorrectly executed Transaction together with any associated Transaction fees and charges payable under these Terms. Depending on the circumstances, we may require you to complete a dispute declaration form relating to the incorrectly executed Transaction. We may investigate either before or after any refund has been determined or made. We will let you know as soon as possible the outcome of any such investigation.
   9.7. If a Transaction initiated by a merchant (for example, this happens when you use the Card in a shop) has been incorrectly executed and we receive proof from the merchant’s payment service provider that we are liable for the incorrectly executed Transaction, we will refund as appropriate and immediately the Transaction and any associated Transaction fees and charges payable under these Terms, as well as interest accruing to you as a result of nonexecution or improper execution of Transaction, if any.
   9.8. We are not liable for any incorrectly executed Transactions if we can show that the payment was actually received by the merchant’s payment service provider, in which case they will be liable.
   9.9. If you receive a late payment from another payment service provider (e.g., a refund from a retailer’s bank) via us, we will credit the Account with the relevant amount of any associated fees and charges so that you will not be at a loss.
   9.10. We will limit your liability to EUR 50 for any losses incurred in respect of unauthorized Transactions subject to the following:
   9.10.1. you will be liable for all losses incurred in respect of an unauthorized Transaction if you have acted fraudulently, or have intentionally or with gross negligence failed to: (a) look after and use the Card in accordance with these Terms; or (b) notify us of the problem in accordance with this section 9;
   9.10.2. except where you have acted fraudulently, you will not be liable for any losses: (a) incurred in respect of an unauthorized Transaction which arises after your notification to us of the loss, theft or misappropriation of the Card; (b) arising where you have used the Card in a distance contract, for example, for an online purchase; (c) arising where the loss, theft or misappropriation of the Card was not detectable by you before the unauthorized Transaction took place; (d) where we have failed to provide you with the appropriate means of notification; (e) arising where we are required by law to apply Strong Customer Authentication (as defined in section 9.11) but fail to do so; (f) the losses were caused by an act or omission of any employee, agent or branch of ours or any entity which carries out activities on our behalf.
   9.11. Strong Customer Authentication means authentication based on the use of two or more elements that are independent, in that the breach of one element does not compromise the reliability of any other element, and designed in such a way as to protect the confidentiality of the authentication data, with the elements falling into two or more of the following categories: (a) something known only by you (“knowledge”), (b) something held only by you (“possession”); (c) something inherent to you (“inherence”). Strong Customer Authentication is used to make Transactions more secure.
   9.12. We are required to provide Strong Customer Authentication when:
   9.12.1. you view the available balance on your Account either through the Card Distributor’s Website or the Card Distributor’s App and/or through an AISP;
   9.12.2. when you initiate an electronic Transaction, directly or when you initiate a remote electronic Transaction through a PISP; or
   9.12.3. when you carry out any action through a remote channel which may imply a risk of payment fraud or other abuses.
   9.13. If our investigations show that any disputed Transaction was authorized by you or you may have acted fraudulently or with gross negligence, we may reverse any refund made and you will be liable for all losses we suffer in connection with the Transaction including but not limited to the cost of any investigation carried out by us in relation to the Transaction. We will give you reasonable notice of any reverse refund.

10. Blocking of the Card
    We may block the Card, in which case you will not be able to execute any further Transactions, if we have reasonable concerns about the security of the Card or suspect the Card is being used in a fraudulent or unauthorized manner. We will notify you of any such blocking in advance, or immediately after if this is not possible, and of the reasons for the suspension unless to do so would compromise reasonable security measures or otherwise be unlawful. We will unblock the Card and, where appropriate, issue a new Card, PIN and other security features free of charge as soon as practicable once the reasons for the suspension cease to exist.

11. Data Protection
    11.1. You agree that we can use your personal data in accordance with these Terms and our privacy policy, which is set out on https://business.codegopay.com/#/privacy-policy. This privacy policy includes details of the personal information that we collect, how it will be used, and who we pass it to. You can tell us if you do not want to receive any marketing materials from us. For the avoidance of doubt, we will share your personal data with the Card Distributor.
    11.2. To comply with applicable know-your-client rules and anti-money laundering regulations, we and/or the Card Distributor and/or each Partner shall be entitled to carry out all necessary verifications of your identity. The above-mentioned Partner and the Card Distributor may use a recognized agency for this verification purpose (details of the agency used will be provided to you on request). Such verifications will not affect your credit score but may leave a ‘soft footprint’ on your credit history.

12. Fees and Spending Limits
    12.1. You are liable for paying all fees arising from your use of the Card and subject to all spending limits placed on the Card by us.
    12.2. The fees and spending limits on the Card are set out:
    12.2.1. in the Table set out in the Summary box;
    12.2.2. on the secure area of the Card Distributor’s Website.

13. Complaints
    13.1. If you would like to make a complaint relating to these Terms, please contact us using the contact details of the Card Distributor in section 2 so we can resolve the issue. If the Card Distributor does not deal with your complaint adequately, please contact us via https://support.codegotech.com/. We have internal procedures for handling complaints fairly and promptly. We will promptly send you a complaint acknowledgment and a copy of our complaints procedure.
    13.2. Please note that you may request a copy of our complaints procedure at any time. Details of our complaints procedure can also be found on our Website. You agree to cooperate with us and provide the necessary information for us to investigate and resolve the complaint as quickly as possible.
    13.3. We will respond to your complaint in writing or using another Durable Medium within 15 (fifteen) Business Days after the receipt of complaint. In exceptional cases, due to reasons which are beyond our control, we may send you a preliminary response by indicating reasons for delay and the term by which you will receive our final response. In any case, the term for provision of final response will not exceed 30 (thirty) Business Days after the receipt of complaint. Handling of complaints is free of charge. The claims shall be submitted, handled, and responded to in English, unless use of another language is agreed between you and us.
    13.4. Should you not be satisfied with our final response, or should we fail to respond to you within 15 Business Days from receiving the claim, you shall have a right to apply to the Financial Ombudsman Bank of Belgium in three different ways:
    (1) by sending them a letter to North Gate Boulevard du Roi Albert II, 8, 1000 Bruxelles, Belgium;
    (2) by sending them an email to [email protected];
    (3) by filling in an online complaint form on their website https://www.ombudsfin.be/en/individuals/introduce-complaint/.
    You may only apply to the Ombudsfin within 1 year after you received from us a response that is not satisfactory, or after the 30 Business Days for responding has passed and we did not respond. Addressing us first is a precondition for you applying to the Ombudsfin. The decision of the Ombudsfin is not mandatory for us nor for you. Even after the dispute was solved by the Ombudsfin, you and we shall have a right to apply to the court.
    13.5. In case you are generally not satisfied with us or our services, where there is no claim or disagreement between you and us, you may always approach the Bank of Belgium by addressing a complaint to the National Bank of Belgium at Bd de Berlaimont 3, 1000 Bruxelles, or by sending an email to: [email protected].
    13.6. The European Commission’s online dispute resolution (“ODR”) platform can be used to resolve disputes between us and consumers. The ODR platform can be found at https://ec.europa.eu/consumers/odr/main/?event=main.adr.show.

14. Third Party Payment Service Providers
    14.1. This section applies when you use the services of an AISP or a PISP.
    14.2. We may deny an AISP or PISP access to the Account for reasonably justified and duly evidenced reasons relating to unauthorized or fraudulent access to the Account by that AISP or PISP, including the unauthorized or fraudulent initiation of a Transaction. If we do deny access in this way, we will notify you of the denial and the reason for the denial in advance if possible, or immediately after the denial of access, unless to do so would compromise reasonably justified security reasons or would be unlawful. We will allow AISP or PISP access to the Account once the reasons for denying access no longer apply.

15. Cooling-off Period
    15.1. If you purchased the Card online or by some other remote means, for example via telephone, you are entitled to a 14-day “cooling-off” period from the date you received your original Card during which you may cancel the Card. Should you wish to cancel the Card and these Terms during the “cooling-off” period, please return the Card to Codego – Via Leonardo Da Vinci 141, 90145 Palermo, Italy, and unsigned and unused within 14 days of issue and a full refund of any fees paid to date will be made to you. If you have used the Card, you will not be entitled to a refund of any funds that have been spent, including any associated fees, but we will refund any unspent available funds free of charge.

16. Other Important Terms
    16.1. The Terms and all communications will be in English, or by agreement between you and us – in another language agreed. We shall communicate in English, or by agreement, in another language agreed between you and us. You may request a copy of these Terms free of charge at any time during the contractual relationship. If we need to contact you in the event of suspected or actual fraud or security threats, we will first send you an SMS or email prompting you to contact our customer services team using the contact information we have been supplied with.
    16.2. We may transfer this agreement to someone else. We may transfer our rights and obligations under these Terms to another organization. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
    16.3. You need our consent to transfer your rights to someone else. You may only transfer your rights or your obligations under these Terms to another person if we agree to this in writing.
    16.4. Nobody else has any rights under this contract. This contract is between you and us. No other person shall have any rights to enforce any of its terms.
    16.5. Changes to these Terms / Termination. We reserve the right to amend these Terms for any reason by giving you two months’ notice by e-mail. You will be deemed to have accepted the changes if you raise no objection prior to the expiry of the period set out in the notice. If you do not wish to accept the changes, you may terminate these Terms immediately and without charge by providing us with notice at any time prior to the expiry of the notice period. At all other times you may terminate these Terms at any time by giving us one month’s notice in accordance with section 2.10, and we may terminate these Terms by giving you notice in accordance with section 2.11.
    16.6. If a court finds part of this contract illegal, the rest will continue in force. Each of the sections and sub-sections of these Terms operate separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
    16.7. Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these Terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us from taking steps against you at a later date. For example, if you do not pay us on time and we do not chase you but we continue to provide the services, we can still require you to make the payment at a later date.
    16.8. Which laws apply to this contract and where you may bring legal proceedings. These Terms are governed by Belgian law, and you can bring legal proceedings in respect of these Terms in the Belgian courts.