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Runa Pay to Card Terms & Conditions (“Terms”)

PLEASE ENSURE YOU HAVE READ THESE TERMS CAREFULLY BEFORE PROCEEDING TO USE OUR SERVICES. 

Last Updated: 26 February 2025

  1. Introduction, Acknowledgement and Acceptance of Terms and Conditions
    1. By entering and registering on this site (www.runa.io) (the “Website”) you acknowledge and agree to be legally bound by the Terms and Conditions contained on the Website (the “Terms of Use”) set forth by Runa Network Limited. In these Terms of Use “Our”, “Us”, “We” refers to Runa Network Limited or “Runa”. These Terms of Use cover all existing and any future service(s) which may become available on the Website (the “Services”) provided by Runa in regard to the Pay to Card product. Non-Compliance may result in suspension, termination or potential legal action. Our Services may have been embedded into a website, link or API (Application Programming Interface) of a third party for your convenience and your benefit or use (the “Third Party”). The Third Party, where Runa’s Services are embedded or made available to you may be our customer’s platform or website, or a client of our customers.
    2. The Terms of Use define the contractual relationship between you and Runa, establishing a legal agreement with you or any business entity in which you are acting on behalf of, or yourself, if acting as an individual. Runa reserves the right to amend these Terms of Use  from time to time. If any portion of these Terms of Use is deemed unenforceable by a court or competent jurisdiction, it shall not affect the enforceability of the remaining portions of this agreement. 
    3. These Terms (including any links included) are limited to your use of the Services. They are in addition to the terms that govern your use of the Third Party’s products and/or services.
    4. When you enter into these Terms of Use, you agree and confirm:
      1. You are over 18 years old;
      2. All the information you have provided to Us and/or the Third Party is accurate and correct and it is your information provided;
      3. You have read and understood these Terms of Use and accept that We can make changes to these Terms of Use from time to time and you understand you need to check these Terms of Use each time you use Our Services;
      4. You understand We do not offer any financial or legal advice; and
      5. We retain sole discretion to grant, suspend, or terminate your access to our Website and Services. This decision may be based on concerns regarding your compliance with our Terms, inability to authenticate your identity, or suspicions of fraudulent or criminal behaviour.
    5. We reserve the right to update these Terms of Use at any time, and the most recent version can be accessed at Our website. Continued use of the Services after any updates signifies your acceptance of the revised Terms of Use. 
  2. Payment services
    1.  We partner with our trusted Payment Services Provider to deliver payment services to our customers who desire to make payments to designated payees such as you. Our customers and the underlying payees (You) therefore must agree to comply with Hyperwallet’s (our “Payment Services Provider”) terms and conditions which are available here. These terms and conditions form an integral part of these Terms of Use. Hyperwallet may vary their terms and conditions from time to time and in addition to the link above, can be found in the Legal Section of Hyperwallet’s pay portal. The revised version will be effective from the date they post it on their website and your continued use of the Services after that date will constitute your acceptance of any revised terms. 
  3. Compliance with Laws
    1. You agree to comply with all applicable laws and regulations regarding your use of the Services. You must not use our Services for any unlawful or prohibited activities.
    2. You agree to comply with all applicable sanctions, export control laws, and regulations, including those administered by the United Nations, the European Union, the United States, and any other applicable governmental authority. You shall not engage in any activity that would cause a violation of such laws and regulations. 
  4. Our liability to you
    1.  IN ADDITION TO ANY OTHER EXCLUSIONS UNDER THESE TERMS OR APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OR DAMAGE YOU SUFFER IN CONNECTION WITH THE SERVICES IF SUCH LOSS OR DAMAGE IS THE RESPONSIBILITY OF A THIRD PARTY OR IF THE LOSS OR DAMAGE IS AS A RESULT OF UNFORESEEABLE CIRCUMSTANCES BEYOND OUR CONTROL, OR OCCURS DESPITE OUR REASONABLE EFFORTS TO PREVENT IT. WE ARE ALSO NOT LIABLE IF WE REFUSE ACCESS TO THE SERVICES, IF YOU BREACH THESE TERMS OF USE OR ENGAGE IN ILLEGAL ACTIVITIES OR  IF YOU FAIL TO TAKE REASONABLE ACTIONS OR PRECAUTIONS TO SECURE YOUR MOBILE DEVICE AND SECURITY INFORMATION (INCLUDING YOUR BANKING INFORMATION), IF YOU ACT FRAUDULENTLY OR ILLEGALLY, OR IF YOU KNOW OF UNAUTHORISED ACCESS RISKS BUT FAIL TO INFORM US PROMPTLY.
    2. In addition to any other exclusions under these Terms or applicable law, our liability to you for any loss or damage suffered in connection with the Services shall be limited to the value of any purchase or payment which our Services help facilitate.  Furthermore, we are not liable if access to the Services is refused due to your breach of these Terms of Use, engagement in illegal activities, failure to secure your mobile device and security information (including banking information), fraudulent or illegal actions, or if you fail to inform us promptly of any known unauthorized access risks.
  5. Intellectual Property
    1. You acknowledge and agree that you do not acquire any ownership rights, title, or interest in or to any intellectual property rights, including but not limited to copyrights, trademarks, patents, trade secrets, or any other proprietary rights, related to Our Services or any content, materials, or technology provided by Us. All such rights are and shall remain the exclusive property of Us or Our licensors. Your use of the Services does not grant you any rights to use our trademarks, service marks, logos, or trade names without Our prior written consent. 
  6. Termination
    1. We reserve the right to terminate your access to the Services at any time, without notice, for conduct which We believe violates these Terms or is harmful to other users, Our business, Our licensors, or third parties, or for any other reason at Our sole discretion. This is in addition to any other rights or remedies available to us under applicable law. 
  7. Customer Service / Complaints 
    1. We value your feedback and are here to help if something isn’t right. Please reach out to us if you encounter any issues—we’re committed to resolving them and using your experience to enhance Our services.
    2. Feel free to contact us with your concerns or suggestions via email at support@runa.io. 
  8. Applicable Law 
    1. The laws governing these Terms depend on your location. If you are located in the United Kingdom, these Terms and any disputes relating to them will be governed by the laws of England and Wales, and the courts of England and Wales will have exclusive jurisdiction. If you are located in the European Economic Area, German law will apply, and the courts of Germany will have exclusive jurisdiction. If you are located in the United States, the laws of the State of Delaware will govern these Terms, and the courts of Delaware will have exclusive jurisdiction over any disputes.
  9. General 
    1. By agreeing to these Terms of Use, you consent to Our use of subcontractors to perform any or all of Our obligations. We will ensure that any subcontractors which We engage comply with these Terms and uphold the same standards of quality and confidentiality. Our use of subcontractors does not relieve Us of our responsibilities or obligations to You under these Terms of Use.
    2. These Terms of Use are personal to you, and you cannot assign or transfer any of your rights or obligations. However, we retain the right to assign or transfer our rights and obligations under these Terms as we see fit.
    3. A person who is not a party to these Terms has no right to enforce any provision of these Terms under the Contracts (Rights of Third Parties) Act 1999 or any similar legislation in any other jurisdiction. This means that only the parties to this agreement can enforce its terms and benefit from its protections and obligations. 
    4. By agreeing to these Terms of Use, you also agree to our Privacy Policy and the privacy policy of our Payment Provider, which can be found here.
  10. Contact us 
    1. You can contact us at legal@runa.io with any questions about these Terms of Use. 

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