General rules for Payconiq promotions and campaigns

General rules for Payconiq promotions and campaigns

Applicable from 01/11/2022

Article 1: Organisation, scope and duration

Payconiq International SA, registered with the Luxembourg Trade and Companies Register under number B169621 and having its registered office at 9-11 rue Joseph Junck, L-1839 Luxembourg (hereinafter “Payconiq” or the “Organizing Company“), regularly organizes free events, donation campaigns, promotions, competitions, contests and/or games without obligation to purchase (each a “Campaign”, collectively the “Campaigns”). Below are the general rules (“General Rules”) for Campaigns organised by Payconiq.

The exact dates of the Campaigns will be announced in advance or as required by applicable law or regulation, subject to the specific Campaign. If a Campaign entails a game or competition element, the methods for designating the winners, the prizes, and the methods for depositing them will also be specified. These general rules will apply to any Campaign organized by the Organizing Company. In the event of a conflict between the provisions of these General Rules and the Specific Rule for a respective Campaign, as published on this page, the latter will prevail.

The advertising of these Campaigns will be carried out through:

  • Payconiq, via its website , its Facebook page , in-store campaigns, radio, digital and online communication channels, and/or such other social media forums and platforms (as may be applicable).
  • From time to time, and where applicable, the financial institutions that are partners of Payconiq, through internal digital and printed communication media and external channels,

Article 2: Method of participation

Participation in these Campaigns is free for any natural person of legal age. In some instances, participation may require that a person has a bank account with one of the banks offering Payconiq as a bank app integrated solution.

The method of participation may be further specified in the specific Campaign that is rolled out from time to time by Payconiq.

The Organizing Company reserves the right to exclude at any time and without notice (definitively or temporarily), any person behaving in an unfair manner with regard to the Campaigns and their execution of any harm, fraud, and/or cheating breach of relevant laws, which compromises the proper functioning of the Campaigns.

Article 3: Campaign results and prize allocations

The outcome and/or results of Campaigns will be published or communicated as may be specific and/or required with the respective Campaign.

For Campaigns that are competitions, games or prize-based, the terms and conditions for designating the winners or allocation of prizes will be defined in the specific rules relating to each Campaign.

The Campaign results will be published on the applicable forums by Payconiq. This may include, amongst other forums, (i) the Facebook page , (ii) directly in the respective Payconiq application,(iii) by direct communication to the winner using the contact details provided or by any other appropriate means or channel.

When applicable, prizes in the form of discount coupons may be awarded either directly via the Payconiq integrated bank app, or in the form of a printed QR Code, which the winner must scan to benefit from the reduction. For material gifts, as may be applicable from time to time, the winner may be informed to collect their prize from Payconiq’s offices at the following address: Payconiq International SA – 9-11 rue Joseph Junck – L-1839 Luxembourg, or at any other specified place as may be indicated and communicated for the respective Campaign.

Article 4: Winner announcements

You agree that if you are a winner, you will take part in and co-operate fully with reasonable publicity and to the use of your name, photograph and any comments in such publicity without any fee being payable.

Article 5: Campaigns that are competitions, games or prize-based

For any Neither persons who do not meet the above conditions, nor representatives and employees of the Organizing Company, nor persons from any company controlled by or with the Organizing Company, nor persons taking part in the performance of these Campaigns (agencies, other service providers, etc.), or employees of partner financial institutions, as well as members of their families (ascendants and descendants).

The Organizing Company reserves the right to ask participants to provide proof of their eligibility for Campaigns. Persons who do not meet these conditions or who refuse to provide proof of their eligibility will be automatically excluded from these Campaigns and will not be able to claim any prize.

Where applicable, in the presence of multiple registrations, whether proven or suspected, the Organizing Company will at its discretion delete the additional registration(s), without prejudice to also cancel the initial registration made by the participant concerned, that the latter complies with these rules or not.

For these types of Campaigns, the prizes will be defined in the specific rules relating to each Campaigns.

Article 6: Legal deposit

These rules can be consulted free of charge at the following address:
In the event of exceptional circumstances, the Organizing Company reserves the right to modify these rules and the specific rules relating to any Campaign at any time, in whole or in part, provided participants are informed by an announcement on and/or by publishing a new version of these rules or the rules specific to the Campaign.

Article 7: Dispute and liability

Payconiq shall not incur any liability if, in the event of force majeure or events beyond its control,  if it were required to cancel the respective Campaign, shorten them, extend them, modify the conditions or replace the prizes (with a prize of equivalent value or similar characteristics).

Payconiq reserves, in all cases, the possibility of extending the period of the Campaigns.

Payconiq cannot be held responsible for any delay in delivery or non-delivery attributable to postal services or telecommunications networks and infrastructures (internet, etc.).

Payconiq is not liable in the event of a technical incident preventing the use of the Payconiq tool or otherwise hindering participation in the Campaigns.

Payconiq also declines all responsibility in the event of unavailability of the page.

Payconiq cannot be held responsible for damages caused by the misuse of the prizes by the winners.

Article 8: Governing law 

These rules are governed by Luxembourg law. If any of these provisions/rules should become null and void, the other provisions will remain in full force and effect.

Article 9: Disputes 

Any dispute arising or concerning the Campaigns, these general rules or the specific regulations as applicable, will be the subject of an attempt at an amicable settlement. The dispute will be submitted to the competent courts of the place of the registered office of Payconiq in Luxembourg. No dispute may be accepted more than one month after the closing date of the Campaign. The closing date will be communicated through the respective Campaign terms.

Article 10: Complaints

Any claim must be the subject of a written request addressed exclusively to the address of the Organizing Company and must include the exact contact details of the claimant. Written disputes and complaints relating to the Campaigns will no longer be taken into account after a period of one month after the closing date of the respective Campaign.

Article 11: Use of your data

Any information that participants share with Payconiq will be kept secure and only used in line with these terms and conditions, unless the entrant has opted in for future commercial, Campaign-related communications from Payconiq.

Specific Rules