Common use of FINAL PROVISIONS Clause in Contracts

FINAL PROVISIONS. 16.1. The Agreement, these Credit Terms and the business relationship between Novum and the Customer shall be governed by Maltese law. Any mandatory protection granted under the law habitual residence, which may not be derogated from by agreement, shall apply to the Customer and to his/her contractual relationship with ▇▇▇▇▇. 16.2. Legal or judicial proceedings initiated by the Customer may be brought before competent courts in Malta or in the Customer’s domicile or habitual residence. Legal or judicial proceedings against the Customer may only be brought before the competent courts in his or her domicile. This provision shall survive the termination of the Agreement. 16.3. In accordance with the complaints procedure of Novum Bank Ltd, any complaint that a person has regarding a product or service of Novum Bank Ltd must be addressed by calling us on +▇▇ ▇▇ ▇▇▇▇ ▇▇▇ ▇▇, or in writing by that person to Novum Bank Ltd, either by sending an email to: ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇.▇▇. or by letter to: Novum Bank Limited, The Emporium, C De Brocktorff Street, Msida, MSD 1421, Malta. Any written complaint must clearly indicate your data (identity and contact details) and state the facts and circumstances on which the complaint is based. The Bank will send the customer a written confirmation of receipt within two (2) working days from the day after the complaint has been received by the Bank. The Bank hereby confirms that all necessary measures will be taken to resolve the complaint within fifteen (15) working days. If this is not possible, the Bank will inform the customer accordingly, and will provide him/her with an indication as to when is it likely to be completed. If the customer is not satisfied based on the reaction received, he or she can object to the decision by writing again to Novum Bank Ltd, stating the objection and the new information (s) to be assessed. Moreover, should the customer be dissatisfied with the way in which we would have dealt with your complaint, you may direct your compliant/s in writing to: the Arbiter for Financial Services, Office of the Arbiter for Financial Services, ▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, ▇▇▇▇▇ or via ▇▇▇▇▇▇▇▇▇.▇▇▇▇@▇▇▇.▇▇ or by visiting ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/▇▇▇▇▇▇▇/▇▇▇▇-▇-▇▇▇▇▇▇▇▇- your-provider. 16.4. Amendments to the Credit Terms shall be offered to the Customer in text form no later than two months before their proposed effective date. If the Customer has agreed with Novum on an electronic communication channel within the framework of the business relationship, the amendments may also be offered in this way. The changes offered by Novum shall only become effective if Customer accepts them, if necessary by way of the fictitious consent regulated below. The Customer's silence shall only be deemed to be an acceptance of the amendment offer (fictitious acceptance) if a) the amendment offer of Novum is made in order to restore the conformity of the contractual provisions with a changed legal situation, because a provision of the General Terms and Conditions or of the Special Terms and Conditions • no longer corresponds to the legal situation due to a change in the law, including directly applicable legal provisions of the European Union, or • becomes invalid or may no longer be used due to a final court decision, including a court of first instance, or • can no longer be reconciled with Novum's regulatory obligations due to a binding order of a national or international authority competent for Novum, and b) the Customer has not rejected Novum's change offer prior to the proposed effective date of the changes. Novum shall inform the Customer in the amendment offer of the consequences of its silence. 16.5. The fiction of consent shall not apply • in the case of changes to No. 16.4 ...in case of changes affecting the main obligations of the contract and the charges for main services, or • in case of changes of charges which are directed to a payment of the consumer exceeding the agreed charge for the main service, or • in the case of changes which are tantamount to the conclusion of a new contract, or • in the case of changes that would significantly shift the previously agreed relationship between performance and consideration in ▇▇▇▇▇'▇ favor. In such cases, Novum shall obtain the Customer's consent to the changes by other means. 16.6. If Novum makes use of the fictitious consent, Customer may also terminate the contract affected by the change without notice and free of charge prior to the proposed date of entry into force of the changes. Novum shall specifically draw the Customer's attention to this right of termination in its amendment offer.

FINAL PROVISIONS. 16.1. The Agreement, these Credit Terms and the business relationship between Novum and the Customer shall be governed by Maltese law. Any mandatory protection granted under the law habitual residence, which may not be derogated from by agreement, shall apply to the Customer and to his/her contractual relationship with ▇▇▇▇▇. 16.2. Legal or judicial proceedings initiated by the Customer may be brought before competent courts in Malta or in the Customer’s domicile or habitual residence. Legal or judicial proceedings against the Customer may only be brought before the competent courts in his or her domicile. This provision shall survive the termination of the Agreement. 16.3. In accordance with the complaints procedure of Novum Bank Ltd, any complaint that a person has regarding a product or service of Novum Bank Ltd must be addressed by calling us on +▇▇ ▇▇ ▇▇▇▇ ▇▇▇ ▇▇, or in writing by that person to Novum Bank Ltd, either by sending an email to: ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇.▇▇. or by letter to: Novum Bank Limited, The Emporium, C De Brocktorff Street, Msida, MSD 1421, Malta. Any written complaint must clearly indicate your data (identity and contact details) and state the facts and circumstances on which the complaint is based. The Bank will send the customer a written confirmation of receipt within two (2) working days from the day after the complaint has been received by the Bank. The Bank hereby confirms that all necessary measures will be taken to resolve the complaint within fifteen (15) working days. If this is not possible, the Bank will inform the customer accordingly, and will provide him/her with an indication as to when is it likely to be completed. If the customer is not satisfied based on the reaction received, he or she can object to the decision by writing again to Novum Bank Ltd, stating the objection and the new information (s) to be assessed. Moreover, should the customer be dissatisfied with the way in which we would have dealt with your complaint, you may direct your compliant/s in writing to: the Arbiter for Financial Services, Office of the Arbiter for Financial Services, ▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, ▇▇▇▇▇ or via ▇▇▇▇▇▇▇▇▇.▇▇▇▇@▇▇▇.▇▇ or by visiting ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/▇▇▇▇▇▇▇/▇▇▇▇-▇-▇▇▇▇▇▇▇▇- your-provider. 16.4. Amendments to the Credit Terms shall be offered to the Customer in text form no later than two months before their proposed effective date. If the Customer has agreed with Novum on an electronic communication channel within the framework of the business relationship, the amendments may also be offered in this way. The changes offered by Novum shall only become effective if Customer accepts them, if necessary by way of the fictitious consent regulated below. The Customer's silence shall only be deemed to be an acceptance of the amendment offer (fictitious acceptance) if a) the amendment offer of Novum is made in order to restore the conformity of the contractual provisions with a changed legal situation, because a provision of the General Terms and Conditions or of the Special Terms and Conditions • no longer corresponds to the legal situation due to a change in the law, including directly applicable legal provisions of the European Union, or • becomes invalid or may no longer be used due to a final court decision, including a court of first instance, or • can no longer be reconciled with Novum's regulatory obligations due to a binding order of a national or international authority competent for Novum, and b) the Customer has not rejected Novum's change offer prior to the proposed effective date of the changes. Novum shall inform the Customer in the amendment offer of the consequences of its silence. 16.5. The fiction of consent shall not apply • in the case of changes to No. 16.4 ...in case of changes affecting the main obligations of the contract and the charges for main services, or • in case of changes of charges which are directed to a payment of the consumer exceeding the agreed charge for the main service, or • in the case of changes which are tantamount to the conclusion of a new contract, or • in the case of changes that would significantly shift the previously agreed relationship between performance and consideration in ▇▇▇▇▇'▇ Novum's favor. In such cases, Novum shall obtain the Customer's consent to the changes by other means. 16.6. If Novum makes use of the fictitious consent, Customer may also terminate the contract affected by the change without notice and free of charge prior to the proposed date of entry into force of the changes. Novum shall specifically draw the Customer's attention to this right of termination in its amendment offer.

FINAL PROVISIONS. 16.1. The Agreement, these Credit Terms and the business relationship between Novum and the Customer shall be governed by Maltese law. Any mandatory protection granted under the law habitual residence, which may not be derogated from by agreement, shall apply to the Customer and to his/her contractual relationship with ▇▇▇▇▇. 16.2. Legal or judicial proceedings initiated by the Customer may be brought before competent courts in Malta or in the Customer’s domicile or habitual residence. Legal or judicial proceedings against the Customer may only be brought before the competent courts in his or her domicile. This provision shall survive the termination of the Agreement. 16.3. In accordance with the complaints procedure of Novum Bank Ltd, any complaint that a person has regarding a product or service of Novum Bank Ltd must be addressed by calling us on +▇▇ ▇▇ ▇▇▇▇ ▇▇▇ ▇▇, or in writing by that person to Novum Bank Ltd, either by sending an email to: ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇.▇▇. or by letter to: Novum Bank Limited, The Emporium▇▇▇ ▇▇▇▇▇▇▇▇, C De Brocktorff Street▇ ▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, Msida▇▇▇▇▇, MSD 1421▇▇▇ ▇▇▇▇, Malta▇▇▇▇▇. Any written complaint must clearly indicate your data (identity and contact details) and state the facts and circumstances on which the complaint is based. The Bank will send the customer a written confirmation of receipt within two (2) working days from the day after the complaint has been received by the Bank. The Bank hereby confirms that all necessary measures will be taken to resolve the complaint within fifteen (15) working days. If this is not possible, the Bank will inform the customer accordingly, and will provide him/her with an indication as to when is it likely to be completed. If the customer is not satisfied based on the reaction received, he or she can object to the decision by writing again to Novum Bank Ltd, stating the objection and the new information (s) to be assessed. Moreover, should the customer be dissatisfied with the way in which we would have dealt with your complaint, you may direct your compliant/s in writing to: the Arbiter for Financial Services, Office of the Arbiter for Financial Services, ▇▇▇▇▇ ▇▇▇▇▇N/S in Regional Road, ▇▇ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇Msida MSD1920, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, ▇▇▇▇▇ or via ▇▇▇▇▇▇▇▇▇.▇▇▇▇@▇▇▇.▇▇ or Malta by visiting ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/▇▇▇▇▇▇▇/▇▇▇▇-▇-▇▇▇▇▇▇▇▇- your-provider▇▇▇▇-▇▇▇▇▇▇▇▇. 16.4. Amendments to the Credit Terms shall be offered to the Customer in text form no later than two months before their proposed effective date. If the Customer has agreed with Novum on an electronic communication channel within the framework of the business relationship, the amendments may also be offered in this way. The changes offered by Novum shall only become effective if Customer accepts them, if necessary by way of the fictitious consent regulated below. The Customer's silence shall only be deemed to be an acceptance of the amendment offer (fictitious acceptance) if a) the amendment offer of Novum is made in order to restore the conformity of the contractual provisions with a changed legal situation, because a provision of the General Terms and Conditions or of the Special Terms and Conditions • no longer corresponds to the legal situation due to a change in the law, including directly applicable legal provisions of the European Union, or • becomes invalid or may no longer be used due to a final court decision, including a court of first instance, or • can no longer be reconciled with Novum's regulatory obligations due to a binding order of a national or international authority competent for Novum, and b) the Customer has not rejected Novum's change offer prior to the proposed effective date of the changes. Novum shall inform the Customer in the amendment offer of the consequences of its silence. 16.5. The fiction of consent shall not apply • in the case of changes to No. 16.4 ...in case of changes affecting the main obligations of the contract and the charges for main services, or • in case of changes of charges which are directed to a payment of the consumer exceeding the agreed charge for the main service, or • in the case of changes which are tantamount to the conclusion of a new contract, or • in the case of changes that would significantly shift the previously agreed relationship between performance and consideration in ▇▇▇▇▇'▇ Novum's favor. In such cases, Novum shall obtain the Customer's consent to the changes by other means. 16.6. If Novum makes use of the fictitious consent, Customer may also terminate the contract affected by the change without notice and free of charge prior to the proposed date of entry into force of the changes. Novum shall specifically draw the Customer's attention to this right of termination in its amendment offer.

FINAL PROVISIONS. 16.1. The Agreement, these Credit Terms and the business relationship between Novum and the Customer shall be governed by Maltese law. Any mandatory protection granted under the law habitual residence, which may not be derogated from by agreement, shall apply to the Customer and to his/her contractual relationship with ▇▇▇▇▇. 16.2. Legal or judicial proceedings initiated by the Customer may be brought before competent courts in Malta or in the Customer’s domicile or habitual residence. Legal or judicial proceedings against the Customer may only be brought before the competent courts in his or her domicile. This provision shall survive the termination of the Agreement. 16.3. In accordance with the complaints procedure of Novum Bank Ltd, any complaint that a person has regarding a product or service of Novum Bank Ltd must be addressed by calling us on +▇▇ ▇▇ ▇▇▇▇ ▇▇▇ ▇▇, or in writing by that person to Novum Bank Ltd, either by sending an email to: ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇.▇▇beschwerden@cashper.deFehler! Linkreferenz ungültig. or by letter to: Novum Bank Limited, The Emporium, C De Brocktorff Street, Msida, MSD 1421, Malta. Any written complaint must clearly indicate your data (identity and contact details) and state the facts and circumstances on which the complaint is based. The Bank will send the customer a written confirmation of receipt within two (2) working days from the day after the complaint has been received by the Bank. The Bank hereby confirms that all necessary measures will be taken to resolve the complaint within fifteen (15) working days. If this is not possible, the Bank will inform the customer accordingly, and will provide him/her with an indication as to when is it likely to be completed. If the customer is not satisfied based on the reaction received, he or she can object to the decision by writing again to Novum Bank Ltd, stating the objection and the new information (s) to be assessed. Moreover, should the customer be dissatisfied with the way in which we would have dealt with your complaint, you may direct your compliant/s in writing to: the Arbiter for Financial Services, Office of the Arbiter for Financial Services, ▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, ▇▇▇▇▇ or via ▇▇▇▇▇▇▇▇▇.▇▇▇▇@▇▇▇.▇▇ or by visiting ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/▇▇▇▇▇▇▇/▇▇▇▇-▇-▇▇▇▇▇▇▇▇- your-provider. 16.4. Amendments to the Credit Terms shall be offered to the Customer in text form no later than two months before their proposed effective date. If the Customer has agreed with Novum on an electronic communication channel within the framework of the business relationship, the amendments may also be offered in this way. The changes offered by Novum shall only become effective if Customer accepts them, if necessary by way of the fictitious consent regulated below. The Customer's silence shall only be deemed to be an acceptance of the amendment offer (fictitious acceptance) if a) the amendment offer of Novum is made in order to restore the conformity of the contractual provisions with a changed legal situation, because a provision of the General Terms and Conditions or of the Special Terms and Conditions • no longer corresponds to the legal situation due to a change in the law, including directly applicable legal provisions of the European Union, or • becomes invalid or may no longer be used due to a final court decision, including a court of first instance, or • can no longer be reconciled with Novum's regulatory obligations due to a binding order of a national or international authority competent for Novum, and b) the Customer has not rejected Novum's change offer prior to the proposed effective date of the changes. Novum shall inform the Customer in the amendment offer of the consequences of its silence. 16.5. The fiction of consent shall not apply • in the case of changes to No. 16.4 ...in case of changes affecting the main obligations of the contract and the charges for main services, or • in case of changes of charges which are directed to a payment of the consumer exceeding the agreed charge for the main service, or • in the case of changes which are tantamount to the conclusion of a new contract, or • in the case of changes that would significantly shift the previously agreed relationship between performance and consideration in ▇▇▇▇▇'▇ favor. In such cases, Novum shall obtain the Customer's consent to the changes by other means. 16.6. If Novum makes use of the fictitious consent, Customer may also terminate the contract affected by the change without notice and free of charge prior to the proposed date of entry into force of the changes. Novum shall specifically draw the Customer's attention to this right of termination in its amendment offer.

FINAL PROVISIONS. 16.1. The Agreement, these Credit Terms and the business relationship between Novum and the Customer shall be governed by Maltese law. Any mandatory protection granted under the law habitual residence, which may not be derogated from by agreement, shall apply to the Customer and to his/her contractual relationship with ▇▇▇▇▇. 16.2. Legal or judicial proceedings initiated by the Customer may be brought before competent courts in Malta or in the Customer’s domicile or habitual residence. Legal or judicial proceedings against the Customer may only be brought before the competent courts in his or her domicile. This provision shall survive the termination of the Agreement. 16.3. In accordance with the complaints procedure of Novum Bank Ltd, any complaint that a person has regarding a product or service of Novum Bank Ltd must be addressed by calling us on +▇▇ ▇▇ ▇▇▇▇ ▇▇▇ ▇▇, or in writing by that person to Novum Bank Ltd, either by sending an email to: ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇.▇▇. or by letter to: Novum Bank Limited, The Emporium, C De Brocktorff Street, Msida, MSD 1421, Malta. Any written complaint must clearly indicate your data (identity and contact details) and state the facts and circumstances on which the complaint is based. The Bank will send the customer a written confirmation of receipt within two (2) working days from the day after the complaint has been received by the Bank. The Bank hereby confirms that all necessary measures will be taken to resolve the complaint within fifteen (15) working days. If this is not possible, the Bank will inform the customer accordingly, and will provide him/her with an indication as to when is it likely to be completed. If the customer is not satisfied based on the reaction received, he or she can object to the decision by writing again to Novum Bank Ltd, stating the objection and the new information (s) to be assessed. Moreover, should the customer be dissatisfied with the way in which we would have dealt with your complaint, you may direct your compliant/s in writing to: the Arbiter for Financial Services, Office of the Arbiter for Financial Services, ▇▇▇▇▇ ▇▇▇▇▇N/S in Regional Road, ▇▇ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇Msida MSD1920, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, ▇▇▇▇▇ or via ▇▇▇▇▇▇▇▇▇.▇▇▇▇@▇▇▇.▇▇ or Malta by visiting ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/▇▇▇▇▇▇▇/▇▇▇▇-▇-▇▇▇▇▇▇▇▇- your-provider▇▇▇▇-▇▇▇▇▇▇▇▇. 16.4. Amendments to the Credit Terms shall be offered to the Customer in text form no later than two months before their proposed effective date. If the Customer has agreed with Novum on an electronic communication channel within the framework of the business relationship, the amendments may also be offered in this way. The changes offered by Novum shall only become effective if Customer accepts them, if necessary by way of the fictitious consent regulated below. The Customer's silence shall only be deemed to be an acceptance of the amendment offer (fictitious acceptance) if a) the amendment offer of Novum is made in order to restore the conformity of the contractual provisions with a changed legal situation, because a provision of the General Terms and Conditions or of the Special Terms and Conditions • no longer corresponds to the legal situation due to a change in the law, including directly applicable legal provisions of the European Union, or • becomes invalid or may no longer be used due to a final court decision, including a court of first instance, or • can no longer be reconciled with Novum's regulatory obligations due to a binding order of a national or international authority competent for Novum, and b) the Customer has not rejected Novum's change offer prior to the proposed effective date of the changes. Novum shall inform the Customer in the amendment offer of the consequences of its silence. 16.5. The fiction of consent shall not apply • in the case of changes to No. 16.4 ...in case of changes affecting the main obligations of the contract and the charges for main services, or • in case of changes of charges which are directed to a payment of the consumer exceeding the agreed charge for the main service, or • in the case of changes which are tantamount to the conclusion of a new contract, or • in the case of changes that would significantly shift the previously agreed relationship between performance and consideration in ▇▇▇▇▇'▇ Novum's favor. In such cases, Novum shall obtain the Customer's consent to the changes by other means. 16.6. If Novum makes use of the fictitious consent, Customer may also terminate the contract affected by the change without notice and free of charge prior to the proposed date of entry into force of the changes. Novum shall specifically draw the Customer's attention to this right of termination in its amendment offer.