Mastercard Pay & Get Rewards Program in Montenegro

Campaign Rules of the Program (the “Rules”) for participating Issuers only

1. Introduction

Erste Bank AD Podgorica, conducts a promotional campaign (the “Program) for users of Master card debit and credit cards in order to encourage mobile wallets use and is responsible for the realization of the Program in the territory of Montenegro and therefore has the obligation under the Consumers Protection Act (“Official Gazette MNE” no. 2/2014, 6/2014, 43/2015, 70/2017, 67/2019 and 146/2021) to disclose the sales incentives offer.

ERSTE BANK A.D. PODGORICA hereby establish the following Rules of the Program for participating Issuers.

The Program starts on 1st of November and ends on 30th of November 2022.

The Program is organized in the territory of Montenegro.

Rules will be published at: the websit ERSTE BANK A.D. PODGORICA in a form of its choosing.

2. Definitions – In these Rules:

“Account” means the account of the Card (if any) opened in the name of the Issuer Cardholder.

“Agreement” means the agreement between Issuer Cardholder and its Issuer in respect of issuing the Card.

“BIN” means the bank identification number.

“Card” means Mastercard card, issued in the name of a natural person, bearing Mastercard Company’s brand and issued by the Issuer. The Card does not mean non-reloadable prepaid cards, Maestro or any commercial card issued by a Issuer or other payment institution.

“Cashback” means a cashback transaction which is available to Issuer Cardholder under this Program.

“Domestic Merchant” means any merchant with the registered seat in Montenegro, and which has signed an agreement on processing card payments with a Issuer with registered seat in the Montenegro and which has a license by Mastercard to process card payments.

“Eligible Purchase/s” means any purchase/s done using the Card through Mobile Wallet in accordance with this Terms.

“IOS” means operating system for Apple smartphones and other devices.

“In writing” means any written communications, including in the electronic form (such as e-mail messages).

“Issuer” means the bank or other payment institution that issued Card, namely: ERSTE BANK A.D. PODGORICA (IOS Mobile Wallet);

“Issuer Cardholder” means a private individual, in whose name the Account is opened by the Issuer.

“Mobile Wallet” means application for the device which is connected with the Card and can be used for contactless payments at the point of sale. “Mastercard Company” means the company MASTERCARD EUROPE SA.

“Program” means the loyalty program Mastercard Pay & Get Rewards in Montenegro which enables earning Cashback from Eligible Purchases.

“Website” means the web page available at www.erstebank.me.

3. The Enrollment and the Cashback (Money return) – by making an Eligible Purchase, during the Program, Issuer Cardholder is entitled to participate in this Program. By accepting these Rules, Issuer Cardholder shall be  eligible for the marketing incentive (Cashback) in accordance with the Rules (as defined below).

Cards which made at least 3 or more Eligible Purchases at Domestic Merchants in the cumulative minimum amount of EUR 30 are entitled to receive cashback in the amount of EUR 5, within a period till the 15th day of the month following the month of last Eligible purchase made by the Card in accordance with these Rules.

For avoidance of doubt, limitations regarding the purchase made by the Card at the Domestic Merchants depend exclusively on each Issuer.

Transactions that will be excluded from the Program are the ones which belong to one of Merchant Category Codes (MCC) defined below:

• 6536 MoneySend Intracountry
• 6537 MoneySend Intercountry
• 6538 MoneySend Funding
• 6010 Manual Cash Disbursements - Customer Financial Institution
• 6011 Automated Cash Disbursements— Customer Financial Institution
• 7995 Gambling Transactions
• 4829 Money Transfer—Merchant
• 6050 Quasi Cash—Customer Financial Institution
• 6051 Quasi Cash—Merchant
• 6012 Merchandise and Services— Customer Financial Institution
• 6534 Payment Transaction
• 6533 Payment Transaction—Merchant
• 6540 POI Funding Transactions (Excluding MoneySend)
• 9754 Gambling—Horse Racing, Dog Racing, Non-Sports Internet Gambling
• 6532 PSP - Member Payment Transaction
• 6529 Remote Stored Value Load
• 6530 Remote Stored Value Load
• 6211 Security brokers and dealers

The right of Cashback in accordance with this Program may be exercised by only once per unique Card number during the Program duration.

Erste bank AD Podgorica and Mastercard Company will not be liable for any loss or damage incurred as a result of any interaction between Issuer Cardholder and the Domestic Merchant and/or Issuer with respect to the Eligible Purchases.

The Issuer Cardholder will get fixed cashback of EUR 5 in case of achieving the promotion conditions defined above. The amount of EUR 5 as an individual reward per Card will be posted to Issuer Cardholder by its Issuer.

4. Participation – To participate in the Program, Issuer Cardholders should comply with the provisions of the Agreement and these Rules, and Card with which Issuer Cardholders are participating in the Program, must be active. In case that Card is cancelled or blocked by Issuer Cardholders’ Issuer, participation in the Program may be suspended. Erste bank AD Podgorica and Mastercard Company may revoke participation of the Issuer Cardholder in the Program and cancel any cashback which has been already earned (except for the cashback that has already been paid to Account of the Issuer Cardholder) if Issuer Cardholder fails to comply with any of the Rules.

5. Information – Issuer Cardholder may check the Cashback received via any possible way provided by the Issuer (such as but not limited to, mobile banking, internet banking, electronic statement).

6. Suspension of rights to earn Cashback – In certain circumstances, Issuer Cardholders may lose the rights to earn cashback.

The cashback may be immediately cancelled, if one of the following occurs:

• Issuer Cardholders are in breach of the provisions of the Agreement with their Issuer;
• Eligible Purchase reversal;
• Issuer Cardholders are in breach of any provisions of these Rules.

In case of Issuer Cardholders breach of the Rules, Issuer shall notify Issuer Cardholder of cancellation of Cashback or suspension of the right to earn the Cashback.

7. Termination of participation – Closing of Account or Card will be regarded as Issuer Cardholder desire to terminate the participation in the Program.

8. Program Funding – Cashback funding is limited by the Program budget.

9.  Termination – Mastercard company and Erste Bank AD Podgorica reserve the right to terminate the Program if circumstances occur that the two could not have known to occur or could not have foreseen, prevented, or eliminated, such as natural disasters, epidemics, civil unrest, war destruction, government acts of the influence on the fulfillment of obligations etc., and which circumstances directly or indirectly affect the financial market and the stability of currencies, i.e. the state of market exchange rates.

10. Severability of provisions – If any provision of these Rules or any portion thereof is held illegal, invalid or unenforceable, then such provision shall be severed from these Rules and shall not affect the legal force and enforceability of any other provisions. These Rules shall supersede all prior agreements, announcements and representations  in respect of the Program. If any details of the Program contradict these Rules, then the Rules shall prevail, unless stated otherwise.

11. Applicable law and language – these Rules are drafted in English and Montenegrin and governed by the laws of Montenegro. In case of any discrepancies or inconsistencies, the version of the Rules in Montenegro shall prevail.

Mastercard Pay & Get Rewards Program u Crnoj Gori

Pravila kampanje Programa („Pravila“) za izdavaoce koji učestvuju Programu

1. Uvod – ERSTE BANK A.D. PODGORICA sprovodi promotivnu kampanju (Program) za korisnike Mastercard debitnih i kreditnih kartica u cilju podsticanja korišćenja mobilnih novčanika i odgovoran za realizaciju Programa na teritoriji Crne Gore i stoga ima obavezu prema Zakonu o zaštiti potrošača (“Službeni list CG” br. 2/2014, 6/2014,  43/2015,  70/2017,  67/2019  i 146/2021) da objavi ponudu za prodajnu pogodnost.

ERSTE BANK A.D. PODGORICA ovim utvrđuje sljedeća Pravila Programa za Izdavaoce koji učestvuju u Programu.

Program počinje 1. novembra i završava se 30. novembra 2022. godine.

Program se organizuje na teritoriji Crne Gore.

Pravila će biti objavljena na: veb stranici ERSTE BANK A.D. PODGORICA u formi po njenom izboru.

2. Definicije – U ovim Pravilima:

„Račun“ označava račun Kartice (ako postoji) otvoren na ime Izdavaoca kartice.

„Ugovor“ označava sporazum između Korisnika kartice Izdavaoca i njenog/njegovog Izdavaoca u vezi sa izdavanjem Kartice.

„BIN“ označava identifikacioni broj banke.

„Kartica“ označava Mastercard karticu, izdatu na ime fizičkog lica, koja nosi brend Kompanije Mastercard i koju izdaje Izdavalac. Kartica ne označava PrePejd (non-reloadable) nadopunjive kartice, Maestro ili bilo koje druge komercijalne kartice izdate od strane Izdavaoca ili druge platne institucije.

„Povraćaj novca“ označava povraćaj novca koji je dostupan Korisniku kartice Izdavaoca u okviru ovog Programa.

„Domaći trgovac“ označava trgovca koji ima registrovano sjedište u Crnoj Gori i koji ima potpisan ugovor o procesiranju kartičnih plaćanja sa Izdavaocem koja ima sjedište u Crnoj Gori i koja ima dozvolu za procesiranje kartičnih plaćanja od strane Mastercarda.

„Kvalifikovana/e Kupovina/e“ označava svaku kupovinu/e obavljenu/e korišćenjem Kartice putem Mobilnog novčanika u skladu sa ovim Uslovima.

„IOS“ označava operativni sistem za Apple pametne mobilne telefone i druge uređaje.

„U pisanoj formi“ označava svaku pisanu komunikaciju, uključujući i elektronsku formu (kao što su e-mail poruke).

„Izdavalac“ označava banku ili drugu platnu instituciju koja je izdala Karticu, odnosno: ERSTE BANK A.D. PODGORICA (IOS Mobilni novčanik);

„Korisnik kartice Izdavaoca“ označava fizičko lice, na čije je ime otvoren Račun od strane Izdavaoca.

„Mobilni novčanik“ označava aplikaciju za uređaj koji je povezan sa Karticom i može se koristiti za beskontaktno plaćanje na prodajnom mestu.

„Kompanija Mastercard“ označava privredno društvo MASTERCARD EUROPE SA.

„Program“  označava  prodajnu  pogodnost Mastercard Pay & Get Rewards u Crnoj Gori koji omogućava Povraćaj novca na osnovu Kvalifikovanih kupovina.

„Veb-sajt“ označava veb stranicu koja je dostupna na www.erstebank.me.

3. Kvalifikovanje i Povraćaj novca – Kvalifikovanom kupovinom, u periodu trajanja Programa, Korisnik kartice Izdavaoca ostvaruje pravo da učestvuje u ovom Programu. Poštovanjem ovih Pravila, Korisnik kartice Izdavaoca će imati pravo na prodajnu pogodnost (Povraćaj novca) u skladu sa Pravilima (kao što je definisano u nastavku).

Kartice kojima je izvršeno najmanje 3 ili više Kvalifikovanih kupovina kod Domaćih trgovaca u ukupnom minimalnom iznosu od 30 evra ostvaruju pravo na Povraćaj novca u iznosu od 5 evra, u periodu do 15-og dana u mjesecu koji slijedi nakon mjeseca u kome je izvršena posljednja Kvalifikovana kupovina Karticom u skladu sa ovim Pravilima.

Radi izbjegavanja sumnje, ograničenja u vezi sa kupovinama Karticom u prodavnicama Domaćih trgovaca zavise isključivo od svakog pojedinačnog Izdavaoca.

Transakcije koje će biti isključene iz Programa su one koje pripadaju jednom od međunarodno definisanih kategorija kodova trgovaca Merchant Category Codes (MCC) definisanim u nastavku:

• 6536 MoneySend Intracountry
• 6537 MoneySend Intercountry
• 6538 MoneySend Funding
• 6010 Manual Cash Disbursements— Customer Financial Institution
• 6011 Automated Cash Disbursements— Customer Financial Institution
• 7995 Gambling Transactions
• 4829 Money Transfer—Merchant
• 6050 Quasi Cash—Customer Financial Institution
• 6051 Quasi Cash—Merchant
• 6012 Merchandise and Services— Customer Financial Institution
• 6534 Payment Transaction
• 6533 Payment Transaction—Merchant
• 6540 POI Funding Transactions (Excluding MoneySend)
• 9754 Gambling—Horse Racing, Dog Racing, Non-Sports Internet Gambling
• 6532 PSP - Member Payment Transaction
• 6529 Remote Stored Value Load
• 6530 Remote Stored Value Load
• 6211 Security brokers and dealers

Pravo na Povraćaj novca u skladu sa ovim Programom može se iskoristiti samo jednom po jedinstvenom broju Kartice u toku trajanja Programa.

Erste bank AD Podgorica i kompanija Mastercard neće biti odgovorna za bilo kakav gubitak ili štetu nastalu kao rezultat bilo kakve interakcije između Korisnika kartice Izdavaoca i Domaćeg trgovca i/ili Izdavaoca u vezi sa Kvalifikovanim kupovinama.

Korisnik kartice Izdavaoca će dobiti fiksni Povraćaj novca u iznosu od 5 eura u slučaju ispunjavanja iznad definisanih uslova prodajne pogodnosti. Iznos od 5 eura biće uplaćen Korisniku kartice Izdavaoca kao pojedinačna nagrada po kartici od strane Izdavaoca.

4. Učešće – Za učešće u Programu, Korisnici kartice Izdavaoca treba da se pridržavaju odredbi Ugovora i ovih Pravila, a Kartica sa kojom Korisnici kartica Izdavaoca učestvuju u Programu mora biti aktivna. U slučaju da Izdavalac Karticu poništi ili blokira, učešće Korisnika kartice Izdavaoca u Programu može biti suspendovano od strane Izdavaoca. Erste bank AD Podgorica i kompanija Mastercard može da opozove učešće Korisnika kartice Izdavaoca u Programu i poništi bilo koji Povraćaj novca na koje je pravo već ostvareno (osim Povraćaja novca koji je već́ uplaćen na račun Korisnika kartice Izdavaoca) ukoliko Korisnik kartice Izdavaoca ne ispoštuje bilo koje od Pravila.

5. Informacije – Korisnik kartice Izdavaoca može da provjeri Povraćaj novca koji je primio na bilo koji mogući način koji je obezbijedio Izdavalac (uključujući, ali ne ograničavajući se na, mobilno bankarstvo, internet bankarstvo, elektronski izvod).

6. Suspenzija prava na Povraćaj novca – U određenim okolnostima, Korisnici kartice Izdavaoca mogu izgubiti pravo na Povraćaj novca.

Povraćaj novca može biti odmah poništen, ako nastupi nešto od sljedećeg:

• Korisnici kartice Izdavalaca krše odredbe Ugovora sa svojim Izdavaocem;
• Storniranja Kvalifikovane kupovine;
• Korisnici kartice Izdavalaca krše bilo koju odredbu ovih Pravila.

U slučaju kršenja Pravila od strane Korisnika kartice Izdavalaca, Izdavalac će obavijestiti Korisnika kartice Izdavaoca o poništenju Povraćaja novca ili suspenziji prava na Povraćaj novca.

7. Prestanak učešća – Zatvaranje Računa ili Kartice će se smatrati željom Korisnika kartice Izdavaoca da prekine učešće u Programu.

8. Programsko finansiranje – Finansiranje Povraćaja novca je ograničeno budžetom Programa.

9. Prekid – Kompanija Mastercard i Erste bank ad Pogorica zadržavaju pravo da prekinu Program ukoliko nastupe okolnosti za koje nisu mogle znati da će nastupiti ili ih nisu mogle predvidjeti, spriječiti, niti otkloniti, kao što su primjera radi elementarne nepogode, epidemije, građanski nemiri, ratna razaranja, akti organa vlasti od uticaja na izvršenje obaveza i slično, a koje okolnosti neposredno ili posredno utiču na finansijsko tržište i stabilnost valuta, odnosno na stanje tržišnih kurseva.

10. Razdvojivost odredbi – Ako se bilo koja odredba ovih Pravila ili bilo koji njihov dio smatra nezakonitim, nevažećim ili neizvršivim, tada će se takva odredba odvojiti od ovih Pravila i neće uticati na pravnu snagu i izvršnost bilo kojih drugih odredbi. Ova Pravila će zamijeniti sve prethodne sporazume, objave i prezentacije u vezi sa Programom.

Ako su neki detalji Programa u suprotnosti sa ovim Pravilima, tada će Pravila imati prednost, osim ako nije drugačije naznačeno. 

11. Važeći zakon i jezik – ova Pravila su napisana na engleskom i crnogorskom jeziku i regulisana su zakonima Crne Gore. U slučaju bilo kakvih neslaganja ili nedosljednosti, verzija Pravila na crnogorskom jeziku će imati prednost.