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September 2025.

Twikey NV/SA : Twikey Terms Of Use

1. This is a legally binding agreement between you and Twikey (Twikey N.V., Kortrijksesteenweg 1110, bus 202, 9051 Sint-Denijs-Westrem, Tel. +32 9 395 45 00, support@twikey.com, VAT: BE 0533.800.797). Our agreement starts on the date that you agree to the present agreement. It continues for an indefinite period. Using our services implies your agreement. This agreement is concluded in English and our services are also provided in English, except in cases where another language applies due to the intervention of a third party (e.g. a bank, etc.). Twikey will not archive the agreement for you. Both you and Twikey can terminate this agreement with a notice period of one month by simple notification via e-mail.

2. Twikey enables you to electronically sign documents (e.g. some contracts) and electronic direct debit agreements, or so called credit card recurrent en debit card recurrent such as e.g. Bancontact WIP, Apple Pay, Google Pay, Paypal recurrent (“e-Mandate”), using the following means: (1) your e-ID card or that of representative, or electronic wallets of credentials (e.g. Itsme); (2) your banking credentials (typically, a combination of bank card and PIN-code and/or digipass), or services such as e.g. iDIN, which means that you are able to use your banking credentials for electronically signing, for instance when you want to create, modify, cancel or accept an e-Mandate via the Twikey-website, possible enhanced with a fist payment; (3) open banking resulting in the creation of an electronic signature (4) SMS Verification; or (5) any other means of electronic signature and/or a preferred mean(s) of e-signature and/or exclusion of some mean(s) of e-signature, as may be added by Twikey. Twikey makes this service available to you as an end user free of charge. Of course, Twikey cannot prevent third parties from charging you for services they provide, such as providing an internet connection.

3. When you sign an e-Mandate, you hereby give a power of attorney to Twikey to deliver your e-Mandate to your bank, in your name and on your behalf, and to take all further necessary steps towards all parties concerned, including vis-à-vis your supplier and the involved bank(s), if connected to Twikey.

4. Twikey will send you (typically in pdf via e-mail) an original copy of your e-Mandate. Please keep it as evidence in a safe place.

5. Your supplier remains responsible for the underlying commercial relationship with you. So if you are not satisfied with the goods or services he provided to you, please contact you supplier directly, not Twikey. If, within fourteen days of the start of this current agreement with Twikey, you decide to no longer use Twikey's services (for example, if you wish to cancel your direct debit or direct debit authorisation), you must do so via the following website: https://support.twikey.com, but in that case, the underlying agreement with your supplier will remain in force. If you also wish to terminate that agreement, you must contact your supplier; this cannot be done via Twikey.

6. Twikey handles the management (creation, modification, cancellation) of your e-Mandates and/or, if applicable, other documents. Unless you have agreed additional formalities with your supplier (e.g. cancel only by registered letter) you can cancel the e-Mandate at all times on the Twikey website. As soon as reasonably possible Twikey will inform the other involved parties (typically your supplier and the involved banks, if connected to Twikey) of this cancellation and deliver you a confirmation of this cancellation. Termination of the present agreement between you and Twikey does not automatically imply a cancellation or revocation of your payment to your supplier. If you want to cancel or revoke a payment or ask for a refund, please contact your bank and merchant directly.

7. In addition to the Belgian statutory provisions, you agree that the electronic signature using: (1) your e-ID card or that of representative, or electronic wallets of credentials (e.g. Itsme); (2) your banking credentials (typically, a combination of bank card and PIN-code and/or digipass), or services such as e.g. iDIN, which means that you are able to use your banking credentials for electronically signing, for instance when you want to create, modify, cancel or accept an e-Mandate via the Twikey-website, possible enhanced with a fist payment; (3) open banking resulting in the creation of an electronic signature (4) SMS Verification; or (5) any other means of electronic signature and/or a preferred mean(s) of e-signature and/or exclusion of some mean(s) of e-signature, as may be added by Twikey, is an electronic signature meeting the requirements of article 8.1, 3º of Book 8 of the Belgian Civil Code. This means that it legally binds you, both towards Twikey, as towards other Twikey-customers (including your supplier and the involved banks) in the same way as your own handwritten signature, except when proven otherwise. Anything you sign with such e-signature may be used in evidence in a dispute between any involved parties (including you, your contract counterpart, the banks and Twikey).

8. You warrant to act lawfully and – to the extent legally possible - you agree to indemnify, defend and hold harmless Twikey, your contract counterpart and the involved banks from any damages, costs and expenses incurred as a result of non-compliance of your obligations or any claim that the e-Mandate is invalid or in any way unlawful because of any act or omission reasonably under your control. Under no circumstances shall Twikey be liable for any use by you of the Twikey services in a way that does not comply with our agreement or applicable law. You are liable for any loss or damages that arises from the provision of incorrect or incomplete data. You confirm that you are the holder of the e-mail address that you provide. You confirm that you either have sole access to this e-mail address, or that other persons that have access to it do so with your consent. Notwithstanding the foregoing, you acknowledge that Twikey is not liable for any verification of the link between you and the e-mail address. Twikey only provides a service, and is not liable for the use that you, or someone on your behalf, may or may not wish to make of this service. You decide under your own responsibility whether you can send or sign certain documents (e.g. contracts) in electronic form, or whether you archive messages or documents or not, etc.

9. Please note that, subject to the EU General Data Protection Regulation (‘GDPR’) Twikey processes some personal data on you for the purpose of being able to perform this agreement. However, Twikey will only process your personal data where it has been instructed to do so on behalf of your supplier, who will be the party responsible under the GDPR. Please consult the privacy notice made available by your supplier to receive more information on how your personal data is processed by them. In some cases, Twikey may also itself be responsible for processing your personal data. In that case, the processing will happen in accordance with the privacy notice on our website, which can be consulted via the following link: https://www.twikey.com/privacy.html.

10. Belgian law is applicable. The courts in Brussels are exclusively competent.