Common use of End Provisions Clause in Contracts

End Provisions. 13.1 The Agreement and the business relationship between Ferratum and the Customer shall be governed by Maltese law, but any mandatory protection granted under Swedish consumer protection law shall apply to the Customer. The Customer may only bring proceedings against Ferratum in the Member State of the European Union where the Customer is domiciled or in Malta. Ferratum may bring proceedings against the Customer in the Member State of the European Union where the Customer is domiciled. Both parties may bring a counter-claim in the court where the original claim is pending. 13.2 In case the Customer has any complaints, (s)he is entitled to file them directly with Ferratum’s Customer Support Centre, using the contact data provided in clause 1 above or on the Website. Complaints shall be filed in writing. Ferratum shall answer all complaints without undue delay, but not later than within 15 calendar days. If due to the complexity of the case, ▇▇▇▇▇▇▇▇ is unable to answer to the Customer’s complaint within the lapse of the 15-day period mentioned above, ▇▇▇▇▇▇▇▇ shall answer the complaint within 35 days from the receipt of the complaint by ▇▇▇▇▇▇▇▇. 13.3 The Customer also has the possibility to submit a complaint directly in writing, to the Office of the Arbiter for Financial Services, at: The Office of the Arbiter for Financial Services, First Floor, Pjazza San Kalcidonju Floriana FRN 1530, Malta or ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇. The Customer may also file a claim to Allmänna reklamationsnämnden provided that the dispute fulfils the requirement therefor (for example requirements pertaining to time and value). Allmänna reklamationsnämndens contact details are: Allmänna reklamationsnämnden, Box ▇▇▇, ▇▇▇ ▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇.▇▇▇.▇▇. Any of these entities may request that the Customer first directs his complaints to Ferratum before filing a complaint with them. 13.4 The Agreement, may be amended at any time as a consequence of changes in legislative, economic and business requirements and/or changes to the technical environment and/or changes in product or service parameters; provided that the Interest may be amended to the disadvantage of the Customer only for the following reasons i) credit political decisions (ii) change in the reference rate of the Riksbanken, (iii) increased funding costs of Ferratum and (iv) other increased costs of Ferratum which are not predictable at the time that the Agreement is concluded between the Customer and Ferratum. The procedure for amendments of the Agreement shall be the following: Ferratum shall notify the Customers of the amendments proposed. The amendments shall enter into force immediately upon notification (if they are not disadvantageous towards the Customers or if they derive from applicable law). In other cases, the Customer shall have the right to reject such changes by requesting Ferratum to terminate the Agreement within ten (10) calendar days of being notified of such changes by email or by post. In such a case, the Customer shall repay any amounts due in terms of the Agreement in instalments as agreed between Ferratum and the Customer and the Agreement shall terminate as soon as the amounts due thereunder have been repaid. If the Customer does not request Ferratum to terminate the Agreement within ten (10) calendar days from being notified of the proposed amendments, the Customer shall be considered to have accepted the proposed changes, in which case such changes shall come into effect within ten (10) calendar days from the date on which the Customer was notified of such proposed changes.

End Provisions. 13.1 The Agreement and the business relationship between Ferratum and the Customer shall be governed by Maltese law, but any mandatory protection granted under Swedish consumer protection law shall apply to the Customer. The Customer may only bring proceedings against Ferratum in the Member State of the European Union where the Customer is domiciled or in Malta. Ferratum may bring proceedings against the Customer in the Member State of the European Union where the Customer is domiciled. Both parties may bring a counter-claim in the court where the original claim is pending. 13.2 In case the Customer has any complaints, (s)he is entitled to file them directly with Ferratum’s Customer Support Centre, using the contact data provided in clause 1 above or on the Website. Complaints shall be filed in writing. Ferratum shall answer all complaints without undue delay, but not later than within 15 calendar days. If due to the complexity of the case, ▇▇▇▇▇▇▇▇ is unable to answer to the Customer’s complaint within the lapse of the 15-day period mentioned above, ▇▇▇▇▇▇▇▇ shall answer the complaint within 35 days from the receipt of the complaint by ▇▇▇▇▇▇▇▇. 13.3 The Customer also has the possibility to submit a complaint directly in writing, to the Office of the Arbiter for Financial Services, at: The Office of the Arbiter for Financial Services, First Floor, Pjazza San Kalcidonju Floriana FRN 1530, Malta or ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇. The Customer may also file a claim to Allmänna reklamationsnämnden provided that the dispute fulfils the requirement therefor (for example requirements pertaining to time and value). Allmänna reklamationsnämndens contact details are: Allmänna reklamationsnämnden, Box ▇▇▇ ▇▇▇, ▇▇▇ ▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇.▇▇▇.▇▇. Any of these entities may request that the Customer first directs his complaints to Ferratum before filing a complaint with them. 13.4 The Agreement, may be amended at any time as a consequence of changes in legislative, economic and business requirements and/or changes to the technical environment and/or changes in product or service parameters; provided that the Interest may be amended to the disadvantage of the Customer only for the following reasons i) credit political decisions (ii) change in the reference rate of the Riksbanken, (iii) increased funding costs of Ferratum and (iv) other increased costs of Ferratum which are not predictable at the time that the Agreement is concluded between the Customer and Ferratum. The procedure for amendments of the Agreement shall be the following: Ferratum shall notify the Customers of the amendments proposed. The amendments shall enter into force immediately upon notification (if they are not disadvantageous towards the Customers or if they derive from applicable law). In other cases, the Customer shall have the right to reject such changes by requesting Ferratum to terminate the Agreement within ten (10) calendar days of being notified of such changes by email or by post. In such a case, the Customer shall repay any amounts due in terms of the Agreement in instalments as agreed between Ferratum and the Customer and the Agreement shall terminate as soon as the amounts due thereunder have been repaid. If the Customer does not request Ferratum to terminate the Agreement within ten (10) calendar days from being notified of the proposed amendments, the Customer shall be considered to have accepted the proposed changes, in which case such changes shall come into effect within ten (10) calendar days from the date on which the Customer was notified of such proposed changes.