Terms and Conditions

These Terms and Conditions apply to your use of the More2Save Wallet and More2Save Prepaid Card. Please read them carefully and keep a copy for your records. You can ask us at any time for a copy of these Terms and Conditions, our current rates of Fees and the current Usage Restrictions by contacting us using one of the Contact Methods. You can also obtain a statement of recent Transactions made by you using your More2Save Prepaid Card.

In these Terms and Conditions:

“ATM” means an automated teller machine or cash dispenser bearing the MasterCard acceptance mark;

“ATM Transaction” means a transaction carried out at an ATM to withdraw cash;

"Balance" means the electronic money loaded in your More2Save Wallet using one of the topping up methods set out in clause 2 of these Terms and Conditions;

"Business Day" means any day (other than a Saturday or Sunday) on which banks are open for normal banking business;

"Contact Methods" means the methods by which you may contact: Service Hotline: +45 30720071 Service Email: info@more2save.com

"More2Save", "we", "us" or "our" means More2Save Limited (Company number 34471649) a company registered in the Kingdom of Denmark with its registered office at Rådhuspladsen 16, 1550 København V, Denmark and which is authorised and regulated by Danish Financial Supervisory Authority;

"More2Save Card" means either of the More2Save Prepaid Card or the More2Save Virtual Card and "More2Save Cards" shall be construed accordingly;

"More2Save Prepaid Card" means the MasterCard card issued by More2Save Limited in your name and which is linked to your More2Save Wallet. The More2Save Prepaid Card is an electronic money product regulated by the Financial Conduct Authority – it is a prepaid card and not a credit or debit card and it can be used by you to carry out Transactions. For more details about your More2Save Prepaid Card including how you can use it, please refer to clause 4 below;

"More2Save Virtual Card" means the MasterCard virtual card generated by you via the Website and linked to your More2Save Wallet to enable you to carry out E-Commerce Transactions;

"More2Save Wallet" means the prepaid account operated by More2Save and which is linked to your More2Save Prepaid Card in order to fund Transactions;

“E-Commerce Transaction” means a transaction initiated by you to purchase goods or services over the internet and which, for the avoidance of doubt, includes any such transactions initiated through a mobile device.

"Fees" means the fees which we may charge you from time to time for us operating and you using your More2Save Wallet and More2Save Cards which form part of these Terms and Conditions as set out in the Annex to these Terms and Conditions. These may include: ongoing monthly fees; in certain circumstances, fees for redeeming your Balance ("Redemption Fee"); fees for using your More2Save Prepaid Card to execute Transactions; and/or fees for replacing a lost or stolen More2Save Prepaid Card.

We may also charge you reasonable fees for undertaking investigations where you request that a Transaction is refunded and where the circumstances outlined in clause 9.3 apply.

The amount of Fees can change over time and the applicable Fees at any time can be found via Website.

"MasterCard" means MasterCard International Incorporated;

"PIN" means the unique personal 4-digit identification number which is associated with your More2Save Prepaid Card and which can be used to authorise POS Transactions;

"POS Transaction" means a transaction initiated by you to purchase goods or services at a point of sale;

"Privacy Policy" means More2Save privacy policy which, together with these Terms and Conditions, describes the basis upon which any personal data we collect from you, or that you provide to us, will be processed, handled and shared by us, as may be amended from time to time in accordance with its terms and as further explained and defined in clause 17 of these Terms and Conditions. A copy of our Privacy Policy can be found at www.more2save.com;

"Redemption Request" means a request from you to redeem your Balance in accordance with clause 10 of these Terms and Conditions;

"Terms and Conditions" means these terms and conditions and includes the current Fees and Usage Restrictions set out in the Annex below. The Privacy Policy also applies to the relationship between us but does not form part of the Terms and Conditions;

“Transaction” means any transaction which can be executed using your More2Save Wallet and More2Save Cards including a POS Transaction, an E-Commerce Transaction and/or an ATM Transaction;

"Usage Restrictions" means the usage restrictions applicable to your More2Save Wallet and More2Save Cards from time to time which form part of these Terms and Conditions, as set out the Annex. The Usage Restrictions applying at any time can be found via Website, and

"User", "you" or "your" means the person who is identified as having applied for the More2Save Wallet and More2Save Cards through the registration with us of your full name, date of birth, residential address, email address and mobile phone number.

1. Applying for the More2Save Wallet and More2Save Cards

1.1 To apply for a More2Save Wallet and More2Save Cards, you must be of full legal age in your country of permanent residence and hold a valid national photo ID issued in that country.

1.2 As part of this process, you may need to:

(a) provide personal details (including your full name, date of birth, residential address, email address and mobile phone number) so that we may verify your identity; and

(b) read and accept these Terms and Conditions and our Privacy Policy.

1.3 Where we are not able to verify your identity in accordance with clause 1.2(a) above, we may ask that you provide further supporting documentation including scanned copies or photos of identification documentation (either your passport or driving license) and proof of your residential address until we are able to verify your identity successfully. If we are unable to verify your identity based on the documentation you have provided, in certain circumstances we may ask you to provide certified copies of the supporting documentation to help us verify your identity.

If you have not completed any of the steps set out in clause 1.2. above, you cannot complete the More2Save Wallet and More2Save Prepaid Card application process.

2. Topping up your More2Save Wallet

2.1 Subject to the satisfactory completion of any required identity and other checks, you can top up your More2Save Wallet as described in this clause 2 of these Terms and Conditions with funds to be used for Transactions.

2.2 The Balance on your More2Save Wallet must never exceed any limits specified in the Usage Restrictions.

2.3 You may top up your More2Save Wallet by addressing such request to the More2Save. Funds topped up in this way will be credited to your More2Save Wallet without delay after the receipt of valid funding instructions by us.

2.4 We reserve the right to refuse to accept any particular top up transaction or to disable any particular topping up method without notice in the interests of preventing fraud, money laundering or any other criminal activity.

3. Your More2Save Cards

Your More2Save Virtual Card

Your More2Save Prepaid Card

3.1 Your More2Save Prepaid Card will be sent to your address as provided to us by you in accordance with clause 1.2(a) above.

3.2 Delivery of your More2Save Prepaid Card should occur within 5-10 Business Days of your successful application for a More2Save Prepaid Card. If you do not receive your More2Save Prepaid Card within 10 Business Days, you must contact us immediately using one of the Contact Methods.

3.3 When you receive your More2Save Prepaid Card, you must sign the reverse immediately. To activate your More2Save Prepaid Card, you will be asked for Card activation:

In App (a)open app; (b) Press activate card (c) Press activate card (d) enter 16 digital card number (e) press send activation code by SMS (f) enter activation code, received by sms;

In Web (a) Login (b) Press activate card (c) Press activate card (d) enter 16 digital card number (e) press send activation code by SMS (f) enter activation code, received by sms;

then, you can carry out Transactions using your More2Save Prepaid Card in accordance with clause 4.

Your More2Save Virtual Card

3.4 Your More2Save Virtual Card will be automatically generated in the Co-Brand Website. You will be able to open and request your More2Save Virtual Card by following the instructions in the relevant section of the Co-Brand Website.

4. Using your More2Save Prepaid Card

4.1 Once your More2Save Prepaid Card is activated and subject to these Terms and Conditions as well as Usage Restrictions in each case, you can use:

(a) your More2Save Prepaid Card to carry out POS Transactions and E-Commerce Transactions or to execute an ATM Transaction;

(b) your More2Save Virtual Card to carry out E-Commerce Transactions,

4.2 We cannot guarantee that a particular retailer, ATM or online merchant will accept your [More2Save Card] - you must check with the relevant retailer, online merchant or check the ATM signage before attempting to make a Transaction. Your More2Save Prepaid Card is a “chip and PIN” card and you will not be able to execute contactless transactions with your More2Save Prepaid Card.

4.3 You should make sure there are sufficient funds available in your More2Save Wallet to cover the amount of a Transaction and any applicable Fees – you will only be able to carry out Transactions using your More2Save Prepaid Card to the extent of your Balance. Any Transaction you make using your More2Save Prepaid Card will be deducted from the funds held in your More2Save Wallet.

4.4 The Fees and Usage Restrictions applying to your More2Save Wallet and your More2Save Cards are set out in the Annex to these Terms and Conditions.

5. Authorising Transactions

5.1 You will be asked to authorise each Transaction at the time it is initiated by you through the More2Save Prepaid Card or More2Save Virtual Card as applicable. A Transaction will be regarded as authorised by you where you:

(a) authorise a POS Transaction by following the instructions provided by the merchant or retailer to authorise the POS Transaction which might include: (i) entering your PIN; (ii) signing a sales voucher; (iii) inserting your More2Save Prepaid Card into a card reading device for the purpose of making a payment; (iv) swiping your More2Save Prepaid Card through a card reader; (v) tap your More2Save Prepaid card on contactless card reader.;

(b) authorise an E-Commerce Transaction by following the instructions provided by the merchant or retailer to authorise the E-Commerce Transaction and by providing the More2Save Prepaid Card or More2Save Virtual Card details and/or any other details as requested; or

(c) authorise an ATM Transaction by inserting your More2Save Prepaid Card and entering your PIN to request a cash withdrawal.

5.2 Subject to clause 5.3 below, you can withdraw or revoke your authorization for a Transaction at any time until the authorization is received by us, using one of the Contact Methods. Authorization for a Transaction may not be withdrawn or revoked by you once it is received by us although in the case of a POS Transaction, the merchant may give you a refund.

5.3 Your authorisation for a POS Transaction, an E-Commerce Transaction or for an ATM Transaction will be received by us at the time we receive the POS Transaction or E-Commerce Transaction instruction from the merchant acquirer or at the time we receive the ATM Transaction instruction from the ATM acquirer, respectively. All of these authorisations will be received by us almost instantaneously and it is unlikely that you will be able to withdraw your authorisation for a Transaction before this time.

6. Blocking your More2Save Wallet and your More2Save Prepaid Card and refusing Transactions made with your More2Save Prepaid Card

6.1 We may at any time suspend, restrict or cancel your More2Save Wallet and/or your More2Save Cards, or suspend or restrict access to the Co-Brand Website or refuse to issue or replace the More2Save Cards for reasons relating to the following:

(a) we are concerned about the security of the More2Save Wallet and/or of the More2Save Cards that we have issued to you;

(b) we suspect your More2Save Wallet and/or More2Save Cards are being used in an unauthorised, illegal or fraudulent manner;

(d) you tell us that your More2Save Prepaid Card is lost or stolen as further detailed in clause 9; or

(e) if the contract between us has been cancelled as further detailed in clause 7.

6.2 Unless informing you would compromise reasonable security measures or otherwise be unlawful, where practicable we will inform you by phone or email, giving our reasons, before suspending, restricting or cancelling your More2Save Wallet and/or your More2Save Cards or suspending or restricting access to the Co-Brand Website or refusing to issue or replace the More2Save Cards. If it is not practicable to inform you in advance and unless doing so would compromise reasonable security measures or otherwise be unlawful, we will inform you immediately afterwards, giving our reasons.

6.3 We will unblock your More2Save Wallet and/or your More2Save Cards and allow you to regain access to the Co-Brand Website as soon as practicable after the reasons for stopping its use cease to exist and will inform you by phone or email when we have unblocked your More2Save Wallet and/or your More2Save Cards and allowed you to regain access to the Co-Brand Website.

6.4 We may refuse to carry out a Transaction:

(a) if we believe that you are acting in breach of these Terms and Conditions;

(b) if we believe that a Transaction is potentially suspicious or illegal;

(d) if we are unable to carry out the Transaction due to errors, failures (whether mechanical or otherwise) or refusals caused by merchants, ATM operators, payment processors, card networks or payment schemes who are processing Transactions.

(e) if transaction amount exceeds daily or monthly spending limits assigned to your More2Save Card.

6.5 If we refuse to carry out a Transaction, unless informing you would compromise reasonable security measures or be otherwise unlawful, we will inform you at the earliest opportunity and in any event by the end of the Business Day following the day we have received the Transaction request. Normally we will inform you with an error message on the merchant's or ATM operators’ terminal or website and if applicable, a receipt showing that the Transaction has not been successful, although in some instances we may inform you by phone or e-mail. You can contact the Co-Brand using any of the Contact Methods to ask for the reasons for refusing to carry out that Transaction and for an explanation of how you can correct any information we hold that led to our refusal to approve a Transaction.

6.6 You may correct any information we hold and which may have caused us to refuse a Transaction by contacting us via any Contact Method.

7. Cancelling your contract with us

7.1 The contract between us which is set out in these Terms and Conditions will continue until cancelled in accordance with this clause 7. Your More2Save Prepaid Card will be valid for the period ending on the last calendar day of month indicated on your More2Save Prepaid Card, at which point we shall expect you to contact us and specifically request the renewal More2Save Prepaid Card.

7.2 You have the right to cancel the contract between us, which is set out in these Terms and Conditions, at any time with 30 days prior notice by contacting us using one of the Contact Methods or by requesting the same via Co-Brand or Co-Brand Website.

7.3 We may cancel the contract with you, with immediate effect, by giving written notice if you break an important part of these Terms and Conditions, including:

(a) if you repeatedly break these Terms and Conditions and fail to resolve the matter to our satisfaction in a timely manner;

(b) if you act in a manner that is threatening or abusive to our staff or anyone acting on our behalf;

(d) in the event of your death or incapacity.

7.4 We may cancel the contract with you for any reason by giving you at least 2 months' written notice.

7.5 We may also cancel the contract with you with immediate effect and/ or suspend your More2Save Wallet (including access to it via the Co-Brand Website) if we believe your More2Save Wallet and/or More2Save Cards are deliberately being used by you or anyone else to commit fraud or for other illegal purposes. If we do this, we will tell you by phone or e-mail only to the extent to which we are permitted to do so by law and you must stop using your More2Save Wallet (or attempting to access it via the Co-Brand Website) and your More2Save Cards immediately.

7.6 If we or you cancel the contract between us, then as soon as we are permitted to do so (and normally within 5 Business Days after you contacted us where you cancel this contract) we will return any Balance remaining on your More2Save Wallet (after the deduction of all pending Transactions and applicable Fees) to you. Please note that in order to comply with applicable legal and regulatory requirements, including anti-money laundering and terrorist financing requirements, we may need:

(a) to verify your identity; and

(b) to return that Balance to the same bank account of the Co-Brand which has previously been used to top up your More2Save Wallet.

7.7 Once the contract between us has been cancelled, you will not be entitled to a refund of money you have already spent on Transactions authorised or pending, or any Fees for the use of your More2Save Wallet or More2Save Cards incurred before the contract between us was cancelled.

8. Keeping your More2Save Prepaid Card secure

8.1 It is important that you take all reasonable care and precautions to keep your More2Save Wallet details and your More2Save Cards and details safe and you must not allow your More2Save Cards to be used by anyone else. You must also keep your PIN safe and you must not disclose it or allow it to be used by anyone else.

8.2 If your More2Save Prepaid Card is lost or stolen, or if you suspect that someone else knows your PIN, please follow the instructions set out in clause 9 below. If someone else uses either of your More2Save Cards without your consent and you have not informed us in accordance with your obligations in clause 9, you may lose funds held in your More2Save Wallet in the same way as if you lost cash in your wallet or purse.

8.3 You must keep your PIN secret at all times. You should never disclose this security information to anyone. If you suspect that someone else knows your PIN, you should tell the Co-Brand as soon as possible using one of the Contact Methods so that the Co-Brand can give you information on how to change these details.

8.4 We have the right to disable your More2Save Prepaid Card, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and Conditions.

8.5 We recommend that you check your Transaction history through the Co-Brand Website on a regular basis to identify any potential unauthorised use of your More2Save Cards and to check for Transactions which you do not recognise. We will provide you with a statement of Transactions through the Co-Brand Website on a monthly basis and you shall keep that statement for your records for at least 18 months. Your statement will show:

(a) information relating to each Transaction which will enable it to be identified;

(b) the amount of each Transaction shown in the currency in which that Transaction was paid or debited to your More2Save Card;

(d) the exchange rate (where applicable) which applied to each Transaction; and

(e) for each Transaction, the date on which your authorisation was received by us as described in clause 5.2 of these Terms and Conditions.

9. Reporting security breaches and unauthorised or incorrectly executed Transactions

9.1 If you know or suspect that:

(a) your More2Save Card has been lost, stolen or misappropriated, or

(b) your PIN or any other security information is misappropriated or known or used by someone who is not authorised to use it,

you must tell the Co-Brand immediately by calling on the Service Hotline.

9.2 If you think a Transaction that was not authorised by you has been processed or that a Transaction has been incorrectly executed, you must contact the Co-Brand immediately via Service Hotline. We may ask you, either directly or via Co-Brand, to complete a declaration form and return it to us promptly.

9.3 We may investigate your claim that a Transaction has not been authorised by you and, where permitted by law, we may charge a fee for doing so.

10. Refunding Transactions

10.1 Provided that you notified us in accordance with clause 9.2 above of an unauthorised or incorrectly executed Transaction without delay and at the very latest within 13 months of the debit date of that Transaction you may be entitled to a refund of that Transaction.

10.2 If the unauthorised Transaction arose from the loss, theft or misappropriation of your More2Save Prepaid Card details or of your More2Save Virtual Card details or of your user name and password applying to your access to the Co-Brand Website or of your PIN or any other security information, we will refund the amount involved, except the first EUR 50, for which you may be liable.

10.3 If the unauthorised Transaction arose from you acting fraudulently or where, with intent or gross negligence, you failed to use your More2Save Cards in accordance with these Terms and Conditions (including the obligations to keep safe your More2Save Prepaid Card and More2Save Virtual Card details, your user name and password applying to your access to the Co-Brand Website, your PIN and any other security information), we will not make any refund and you will be liable for the full amount of all losses incurred.

10.4 Where any refund is due to you, we shall make it immediately or, if that is not possible, as soon as practicable following receipt of your claim or of any further information we may request in order to investigate your right to a refund. However, if, following investigation, we have reasonable grounds to believe that a refund was not in fact due to you for any reason, or that we have made too large a refund, we may reverse that previous refund and you may be liable for any loss we suffer from your use of your More2Save Cards.

11. Redeeming funds in your More2Save Wallet

11.1 You have a general right to redeem funds held in your More2Save Wallet at any time in whole or in part. To do so, please use any of the Contact Methods to request a redemption and indicate the amount to be redeemed (before the deduction of any applicable Fees).

11.2 In order to process your Redemption Request, we may ask you to provide us with documents, evidence and other information to verify your identity to enable us to comply with applicable legal and regulatory requirements.

11.3 We may also charge a Redemption Fee if one of the following circumstances applies:

(a) you are requesting redemption before termination or expiry of these Terms and Conditions;

(b) you cancel these Terms and Conditions before any agreed termination or expiry date; or

The amount of this Redemption Fee may change over time. The current Fee rates are set out in the Annex to these Terms and Conditions.

11.4 We may redeem the funds in your More2Save Wallet, at our discretion, by arranging a refund to the same bank account of the Co-Brand which has previously been used to top up your More2Save Wallet.

12. Our liability

12.1 We will not be liable to you for any loss arising from:

(a) any unauthorised Transaction where you acted fraudulently or where, with intent or gross negligence, you failed to use your More2Save Wallet and More2Save Cards in accordance with these Terms and Conditions (including the obligations to keep safe the More2Save Prepaid Card, your More2Save Virtual Card details, your username and password applying to your access to the Co-Brand Website and/or your PIN or any other security information);

(b) any abnormal or unforeseeable circumstances outside of our control, where we could not have avoided those consequences even though we made all efforts to do so;

(d) our compliance with applicable legal or regulatory requirements.

12.2 We will also not be liable for:

(a) business interruption; or

(b) loss of revenue, reputation, goodwill, opportunity or anticipated savings; or

12.3 We will use reasonable efforts to make your More2Save Wallet and More2Save Cards available to you, but we will not be liable to you for any loss or damage arising if it is not available to use at any time, or if access is interrupted.

12.4 Other than the losses set out in the paragraphs above (for which we are not liable) and subject to the paragraphs below, our maximum aggregate liability under or in connection with these Terms and Conditions whether in contract, tort (including negligence) or otherwise, shall in all circumstances be limited to a sum equal to EUR 50 in any 12 month period.

12.5 Nothing in these Terms and Conditions shall limit or exclude our liability for death or personal injury resulting from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by Danish law.

12.6 More2Save does not warrant or promise that the More2Save Wallet and/or More2Save Cards will meet your requirements and you shall use the More2Save Wallet and More2Save Cards at your own risk.

13. Ownership and protection of information

13.1 In order to effectively provide services under this Agreement we will be exchanging your information with the Co-Brand and receive your information from the Co-Brand to the extent necessary to perform our obligations under this Agreement.

13.2 By entering this contract with us you acknowledge having been in contractual relations with the Co-Brand and you explicitly authorise us to share such information as stipulated in clause 13.1 with the Co-Brand.

14. Changes to these Terms and Conditions

We reserve the right to change the Terms and Conditions at any time. We will take into account your interests affected by the intended changes and will only make changes that we consider to be reasonable. Changes to exchange rates will take effect immediately where they move in your favour or where they result from a change to the reference rate of Mastercard from time to time. For all other changes, we will give you at least one month' prior written notice via e-mail or via Co-Brand Website of any intended change to the Terms and Conditions and we will provide you with the new version of the Terms and Conditions. If you do not agree with the proposed change you must tell us via one of the Contact Methods before that change takes effect, otherwise you will be deemed to have accepted the change to the Terms and Conditions.

15. Fees and Usage Restrictions

15.1 Details of the Fees and Usage Restrictions applying to your More2Save Wallet and More2Save Cards can be found in the Annex of these Terms and Conditions. The Fee rates and Usage Restrictions applying from time to time can be found at the Co-Brand Website.

15.2 By accepting these Terms and Conditions and by applying for your More2Save Wallet and More2Save Cards, you agree to pay the applicable Fees relating to your use of the More2Save Wallet and More2Save Cards.

16. Your details

You confirm that any information you provide us with is true, accurate and up-to-date. You confirm that you will let us know immediately by contacting us via the Co-Brand using one of the Contact Methods if you change your personal details. If we contact you in relation to your More2Save Wallet we will use the most recent contact details you have provided to us.

17. Data Protection and how we use your information

17.1 We are a data controller of the personal data that you provide to us (including, without limitation, an email address or other username and a password). We will process your personal data in accordance with these Terms and Conditions and our privacy policy ("Privacy Policy"). Please read the Privacy Policy carefully as it provides information about how we use, share, store and process your personal information. By using your More2Save Cards you consent to More2Save processing such information in this way.

17.2 Co-Brand also has a separate privacy policy which applies to your relationship with Co-Brand in addition to our Privacy Policy. You will be asked to accept Co-Brand' privacy policy when you become its client. Please ensure you read Co-Brand' privacy policy carefully.

17.3 If we suspect that we have been given false or inaccurate information, we may record our suspicion together with any other relevant information.

17.4 You must not give us personal information about someone else (such as alternative named contacts) without first getting his or her consent for it to be used and disclosed for such use in accordance with these Terms and Conditions and our Privacy Policy.

18. Assignment

We may assign our rights and obligations under these Terms and Conditions to another company (including to an affiliate of More2Save) at any time, on giving you 2 months' prior written notice of this. If we do this, your rights under these Terms and Conditions will not be affected.

19. Complaints

19.1 If you have a complaint about your More2Save Wallet and/or your More2Save Cards you can contact us directly by emailing info@more2save.com or calling (+45)3072 0071 and we will aim to deal quickly and fairly with any complaints you have about your More2Save Wallet and More2Save Cards and in any event, within 8 weeks of receiving your complaint. We will keep you informed of any progress or steps taken with regard to the resolution of your complaint.

19.2 If we do not resolve your complaint about your More2Save Wallet and/or your More2Save Cards you may be able to refer it to the Folketingets Ombudsmand. You can contact the Folketingets Ombudsmand by telephone on: +45 33 13 25 12 or by post at Folketingets Ombudsmand,Gammeltorv 22, 1457 København K, or by email: post@ombudsmanden.dk.

19.3 You may also be able to refer your complaint about your More2Save Plastic Card to the European Commission Online Dispute Resolution platform at www.ec.europa.eu/odr. The platform is a web-based platform which is designed to help consumers who have bought goods, services or digital content online. It provides access to independent alternative dispute resolution services which are usually free for you to use.

20. Disputes with merchants

If you have any disputes about purchases made using your More2Save Cards, you should settle these with the person from whom you bought the goods or services. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased using your More2Save Cards. Remember that once you have used your More2Save Card to make a purchase or to withdraw cash we cannot stop that Transaction.

21. Severance

If any court or competent authority finds that any provision in these Terms and Conditions (or any part of any provision) is invalid, illegal or unenforceable, that provision (or part) shall, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these Terms and Conditions shall not be affected.

22. Governing law and language

These Terms and Conditions are governed by Danish law and are subject to the exclusive jurisdiction of the Danish Courts. These Terms and Conditions are in English and all communications with you will be in English.