1. General Provisions

These Terms and Conditions of Payment Cards constitute a legally binding agreement between the Card Issuer (as defined below) and you (“Cardholder”) which enters into force on the date the Cardholder signs a confirmation to be bound under this Agreement (by hand or electronic means) and remains in force an indefinite period of time unless it is terminated following the provisions set forth herein. Choise Services UAB (“Partner”) represent Card Issuer in the relationships with the Cardholder. Terms and conditions for financial services provided to the Client/Cardholder other than set out in these Payment Card Terms and Conditions are governed by the General Terms and Conditions r (“Terms and conditions”), which are available at https://www.trustxpay.com/ and/or in the App.

2. Definitions

2.1. The following definitions are used:
2.1.1. Account – an account opened and maintained for the Client;
2.1.2. Application – an application submitted to Card Issuer by the Client in order to order the Card;
2.1.3. Business Day(s) – any day other than a Saturday or a Sunday or a public or bank holiday in Lithuania; 2.1.4. Card – a payment instrument which has been issued by the Card Issuer to the Cardholder and owned by the Card Issuer. The term may refer to both physical items such as plastic or metal cards and sets of data such as virtual cards or digital cards (tokens);
2.1.5. Card Data – includes the name of the Cardholder, the number, validity period, and security feature (e.g., CVV code) of the Card.
2.1.6. Card Issuer – any bank or financial institution that is a member of a Card Association and issues a Card. In the relationship with the Client, Reap Technologies Limited is the Card Issuer;
2.1.7. Cardholder – a person to whom the Card is issued to and who is authorized to use the card. In the context of this Agreement the Cardholder and the Client can be the same person;
2.1.8. Client – means a customer of Partner, natural person or legal entity accepting the Partner’s Terms and Conditions and its integral parts;
2.1.9. Fees – fees for issuing a Card, currency exchange, operations fees and Payment Transactions, including but not limited to. Fees and limits are publicly available in the App and/or at .
2.1.10. Directive 2015/849 – on the prevention of t