Terms of Use — LepoCard

1. General Provisions

These Terms of Use govern access to the LepoCard website, the Telegram bot, the Telegram Mini App and other digital services provided under the LepoCard brand (the "Platform").

The Platform is operated by LEPO FINANCE DOO BEOGRAD (VRAČAR), a legal entity registered in the Republic of Serbia (the "Company" or "LEPO FINANCE").

Platform features that require registration may be used only after you have read these Terms and accepted them in the interface.

These Terms govern your relationship with LEPO FINANCE and do not replace the agreements with card issuers and financial partners.

2. LepoCard Services

LEPO FINANCE provides the LepoCard technology platform, which gives access to selected card and financial products of independent partners.

Depending on the program, the Platform may provide registration, submission of applications, interaction with financial partners, display of transaction statuses, notifications and technical support.

LEPO FINANCE is not a bank, a payment card issuer, a lender or a custodian of client funds solely by virtue of providing the Platform.

Card issuance, payment processing, holding of funds and other regulated financial services are provided by the relevant financial partners within the scope of their authorizations.

3. Card Programs and Documents

Card products are provided under the terms of the relevant issuer and financial partners.

The card type, currency, limits, fees, permitted transactions and available countries depend on the specific program.

Before submitting an application, you are given the opportunity to review the documents that apply to the relevant card program.

The set of documents is determined by the issuer or the authorized program provider. You do not choose the legal regime of the card program yourself.

Depending on the program, the following may apply:

The E-Sign Consent, which governs the receipt of electronic documents and the use of electronic signatures.
The card terms of the relevant program.
The Privacy Notice for financial information (GLBA Disclosure), where applicable.
Other mandatory documents of the financial partners.

Registration on the Platform does not guarantee approval of an application or issuance of a card.

The Platform and certain financial products may be unavailable in certain countries and territories, and to persons subject to applicable sanctions restrictions.

The availability of services is determined by applicable law and the approved rules of the relevant card program.

4. Registration and Identity Verification

The Platform is available to persons who have reached the age set by applicable law and the rules of the relevant program.

Registration of minors without the necessary legal basis is not permitted.

You undertake to provide accurate information.

Financial services may require identity verification (KYC), AML/CFT checks, sanctions screening and confirmation of the source of funds.

Refusal to provide mandatory information may make it impossible to activate the relevant service.

5. User Obligations

You undertake to comply with the law and with the rules of the relevant financial partners.

You may not use the Platform for fraud, money laundering, sanctions evasion, submission of forged documents, unauthorized access or any other unlawful activity.

You must keep your account secure and notify us immediately if you suspect it has been compromised.

6. Fees and Financial Transactions

Applicable fees, exchange rates, limits and other material terms are disclosed in accordance with legal requirements and the rules of the specific program.

The fees of LEPO FINANCE for its own services may differ from the fees of the financial partners.

The Company does not guarantee the execution of transactions declined by the issuer, the payment system or another authorized participant.

Where a program includes transactions with digital assets, such transactions are carried out by the relevant financial partners under their own terms.

LEPO FINANCE does not hold, exchange or liquidate digital assets solely by virtue of providing the technology Platform.

7. Restriction of Access

The Company may restrict access to its own technology services in the event of a breach of these Terms, a security threat or other lawful grounds.

Issuers and financial partners may independently restrict the use of cards and financial transactions in accordance with the applicable agreements and law.

A restriction of access does not deprive you of your legal rights to your funds or to have your requests considered.

8. Refunds and Requests

For questions about the Platform, you may contact LepoCard support at contact@lepocard.com.

The procedure for submitting and handling requests is determined by applicable law and by the Company's published complaints procedure, where such a procedure has been adopted.

Refunds, card transaction disputes and chargeback procedures are governed by the relevant agreements, payment system rules and applicable law.

LEPO FINANCE provides assistance within the scope of its functions and obligations.

These Terms do not limit your mandatory rights to bring claims, obtain refunds and apply to the competent authorities.

9. Privacy

Personal data is processed in accordance with the LepoCard Privacy Policy published on the Platform's official website.

To provide certain services, the necessary data may be shared with financial partners and technology providers where there is a legal basis.

Independent financial partners may apply their own privacy policies.

Information about the use of cookies and similar technologies is provided to you in accordance with applicable legal requirements.

10. Telegram and Third-Party Services

The Telegram bot and the Telegram Mini App are additional interfaces of the Platform.

Telegram operates under its own terms and policies.

Starting the Telegram bot does not in itself constitute acceptance of any separate financial agreement.

11. Intellectual Property

The software, design, trademarks and materials of LepoCard are protected by intellectual property law.

Unauthorized copying, modification, distribution and commercial use of the software components is prohibited.

12. Liability

LEPO FINANCE takes reasonable measures to ensure the security and availability of the Platform.

Technical interruptions, updates and temporary restrictions of certain features may occur.

LEPO FINANCE is not a party to a separate agreement between you and an independent financial partner, unless otherwise follows from the relevant agreement or the actual legal model of the service.

The Company is liable for its own actions and obligations within the limits of applicable law.

These Terms do not exclude liability that may not be limited by law and do not deprive users of their mandatory rights.

13. Changes to the Terms

The Company may update these Terms in the event of changes in the law, the functionality of the Platform or the way services are provided.

The current version is published on the official LepoCard website.

Users are notified of material changes at least 30 calendar days before they take effect, unless applicable law sets a different mandatory period.

Changes required to comply with the law, to address security threats or to prevent technical vulnerabilities may take effect earlier where there are lawful grounds.

Where the law requires your separate consent, the amended terms apply after such consent has been obtained.

14. Governing Law and Language

Your relationship with LEPO FINANCE regarding the provision of technology services is governed by the law of the Republic of Serbia, subject to the mandatory rules applicable to the relevant user.

Financial services are governed by separate agreements with the relevant partners.

You retain the right to the remedies provided by law to protect your interests.

These Terms are prepared in English.

Approved language versions are provided for users in other markets.

In the event of any discrepancy between language versions, the provisions of the relevant agreement and the mandatory legal requirements protecting the user's rights apply.

15. Contact Information

LEPO FINANCE DOO BEOGRAD (VRAČAR)

Short name: LEPO FINANCE DOO

Country of registration: Republic of Serbia

Registration number (matični broj): 22122550

Registered address: [to be completed from the current APR extract]

Tax identification number (PIB): 115166771

Official website: https://lepocard.com

Email: contact@lepocard.com

For questions about using the Platform, technical support and submitting requests, users can contact the Company at the email address above.

Questions about card issuance and servicing, financial transactions and payment disputes are handled by the relevant financial partners in accordance with the applicable agreements. LEPO FINANCE provides assistance within the scope of its authority and obligations.