This helps consumers understand what they are agreeing to. (a) You are solely responsible for your use of the Stripe Radar Services and Stripe Radar Data, as well as the decisions you make and the actions you take in connection with the Stripe Radar Services and Stripe Radar Data. If any term in these General Terms conflicts with a term in any Services Terms or set of terms incorporated by reference into this Agreement, then unless terms of lower precedence expressly state to the contrary, the order of precedence is: (a) the Services Terms; (b) these General Terms; and (c) all terms incorporated by reference into this Agreement. If any court or Governmental Authority determines a provision of this Agreement is unenforceable, the parties intend that this Agreement be enforced as if the unenforceable provision were not present, and that any partially valid and enforceable provision be enforced to the extent that it is enforceable. This includes, but is not limited to, changes to the API and the API content. (e) Stripe and its Affiliates are not liable for any losses, damages, or costs caused by your failure to meet any of your Due Diligence Requirements, or by the Stripe Identity Services failing to correctly verify the identity of any individual. You must submit each Issuing Complaint (other than an Issuing Complaint made by Card Authorized Users who are your employees) within 3 business days after you receive the Issuing Complaint, to your Stripe Connect Platform or, if you do not have one, to issuing-complaints@stripe.com. (a) Cut-Off Times. Klarna Assets may be protected by copyright, trademarks and service marks and/or other proprietary rights under applicable laws in Sweden as well as other jurisdictions. You represent as of the date you submit User Materials for a Card to Stripe for review, and warrant at all times during the Term, that you have the necessary rights in and to the User Materials to use (and grant Stripe the rights to use) the User Materials on the Cards and other materials related to the Stripe Issuing Programs. In relation to Claims, Klarna will handle the payment collection and any related administration. (a) Classification. Klarna will provide the Merchant with sample clauses and texts for the Merchant's own general terms and conditions. What are trigger terms? Stripes fees exclude all Taxes, except as the Stripe Pricing Page states to the contrary. (d) a governmental plan (as defined in ERISA or the IRS Code) or another type of plan (or an entity whose assets are considered to include the assets of a governmental plan or other plan) that is subject to any Law or restriction that is substantively similar or of similar effect to Section 406 of ERISA or Section 4975 of the IRS Code. The disputed Card Transaction is subject to the Card Network Rules and Law regarding chargebacks and you may not be able to successfully chargeback the Card Transaction. If Stripe is required to send a data subject notification to any Verifiable Individuals related to your use of the Stripe Identity Services, including a data breach or required notice about a Stripe Privacy Policy update, you must assist Stripe in notifying Verifiable Individuals, including by emailing those Verifiable Individuals on Stripes behalf and as Stripe directs. (c) Termination for Material Breach. Get started right away! Stripe Treasury Accountholder means a Connected Account, or Stripe Connect Platform using the Stripe Treasury Services for your own business purpose, who has successfully completed the onboarding requirements described in the Stripe Treasury Platform Terms. SPC may change the Cut-Off Time from time to time. (a) Platform Approval. If Stripe or an Issuing Bank requires a change to all or part of the Stripe Issuing Services, you must implement that change promptly and as Stripe or the Issuing Bank directs. (f) you do not use the Stripe Treasury Services to enable any individual or entity (including you) to benefit from any Restricted Business. During this 30-day period, you may transfer funds from your Financial Account in compliance with these Stripe Treasury Accountholder Terms. 12.1 If a Party does not fulfill its obligations under this Agreement, the other Party shall be entitled to claim damages. Any dispute, controversy or claim arising out of or in connection with this contract, or the breach, termination or invalidity thereof, shall be finally settled by arbitration administered by the Arbitration Institute of the Stockholm Chamber of Commerce (the SCC). Stripe may require you to collect and provide additional Connected Account Data to validate a Standard Account. You are responsible for retaining copies of Stripe Tax Data for the time period Law requires. Dispute means an instruction a Customer initiates to reverse or invalidate a processed Transaction (including chargebacks and disputes as those terms may be used by Payment Method Providers). The receipt of settlements as cleared funds in the Merchants bank account(s) may be delayed because of interbank systems over which Klarna has no control. You agree that this information may include your name, addresses, credit history and other data (including Personal Data) about you, your representatives and your owners. You and your Representative must not attempt to create a Stripe Account on behalf of or for the benefit of a user whose use of the Stripe services was suspended or terminated by Stripe, unless Stripe approves otherwise. Stripe is not responsible for any fees imposed by banks to which Stripe transferred funds, including the banks that hold the User Bank Accounts and the third-party recipient accounts. It is however understood that any marketing activity conducted in respect of the Shopping Solutions shall be limited to the use of the Shopping Solutions for the purposes of purchasing the products or services of the Merchant. You must promptly notify your Stripe Connect Platform if you breach this Section 9.15. The details of these fees are dependent on the contract held with each business but are reported to be in the region of $600 for setting up fees, $90 per month and 1.5% - 3% for each transaction. 30.7 The Merchant must advise Klarna within ten (10) business days of becoming aware of a significant adverse dealing in respect of a Customer using the Shopping Solutions that is not consistent with the TMD. Stripe Issuing Platform Services means the Services that allow you to co-market the Stripe Issuing Services to your Platform Users and provide access to the Stripe Issuing Services to Accountholders. Further, you agree to never store or hold any "Sensitive Authentication Data," as defined by the PCI Standards (including the card verification value or similar security code), at any time. Klarna monitors the use of Klarna Assets to ensure compliance with these Terms and to ascertain quality, detect misuse, improve Klarnas products and services and you consent to such monitoring. Each of these bank accounts is a User Bank Account for the purposes of this Agreement. Claim means any claim, demand, government investigation or legal proceeding made or brought by a third party. If the text stringadditional_merchant_terms: "Custom text specified by [Merchant]()." The language to be used in the arbitral proceedings shall be English. Etsy, Inc. and its affiliates act as an introducer and not a lender of unregulated credit products provided by Klarna Bank AB (publ). KLARNA DOES NOT GUARANTEE ANY SPECIFIC AVAILABILITY, FUNCTIONALITY, QUALITY, SECURITY, TITLE AND/OR NON-INFRINGEMENT. The value of this should be a URL pointing to merchant cancellation terms. Stripe Terminal Software means the Terminal Device Software and Terminal SDK. Stripe may, by notifying you, immediately suspend or terminate your access to the Stripe Data Pipeline Services if the Data Warehouse stops offering the features or functionality that Stripe uses to provide the Stripe Data Pipeline Services. Custom text specified by Merchant. It starts with a "create order" API call, to which Klarna responds with an HTML snippet that allows the merchant to render the Checkout iframe. Stripe Radar Data is Stripe Data for the purposes of this Agreement. Merchant Support opening hours Monday to Friday 08:00 - 22:00 Saturday to Sunday 10:00 - 17:00 Bank Holidays 10:00 - 17:00 Call us Show phone number You must disclose to all prospective Stripe Issuing Accountholders and prospective Card Authorized Users that you may provide Card Account Data to Stripe and the applicable Issuing Bank, and that Stripe and the applicable Issuing Bank may receive or collect Card Account Data. You must immediately notify Stripe, and provide to Stripe updated User Information, if you experience or anticipate experiencing a material change in the average time between the initial charge and fulfillment of Customer orders. The Issuing Banks provide and Stripe manages the Stripe Issuing Programs. Notwithstanding the foregoing, Klarna may assign or transfer the Agreement to any Klarna group company. Stripe may exercise any or all of the remedies stated in Section 5.6 of these Stripe Payments Terms if Stripe determines that a User Group Entity: (a) has incurred or is likely to incur excessive Disputes, Refunds or Reversals; (b) has submitted one or more Transactions for goods or services not immediately deliverable to the Customer without first obtaining Stripes consent; (c) has a negative Stripe Account balance; (d) has experienced or is likely to experience a change in the average time between the initial charge and fulfillment of Customer orders that Stripe considers to be material; (e) has experienced an Insolvency Proceeding or is likely to become the subject of an Insolvency Proceeding; (f) has experienced or is likely to experience a deterioration of its business or financial condition that Stripe considers to be material; (g) has breached or is likely to breach, or has caused or is likely to cause Stripe to breach, this Agreement (or any other Stripe services agreement with Stripe or its Affiliate) or the Financial Services Terms applicable to the User Group Entitys use of the Services; (h) has violated or is likely to violate Law or Financial Services Terms; (i) has caused or is likely to cause Stripe to violate Law or Financial Services Terms; (j) has experienced or is likely to experience a Change of Control; (k) has, either itself or by way of its employees, agents, directors or contractors, initiated Transactions or undertaken any other action that is or is likely to be fraudulent, suspicious or involve criminal activity; (l) has, without Stripes prior consent, changed its business model (including services supplied by a User Group Entity to its customers), exposing Stripe to increased risk; or. 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