Swiss Owned 100% Swiss Owned

Terms and Conditions
for using site

Capital Financial Services S.A. (“we”, “us”, “our”), an e-money institution licensed by the National Bank of Romania, provides to you (“site” or “website”).

The use of this site is governed by the following Terms and Conditions. Accessing, the materials and information presented on the site, you confirm that you have read, understood, accepted and agreed upon this Terms and Conditions. We may revise such Terms and Conditions at any time and you should periodically check the website to review the then current terms because they are binding on you.

1. Copyright and intellectual property rights site content is protected by copyright law. All rights to the information provided on or via this site are reserved This includes, but is not limited to: data, texts, technical sources of web pages, news, graphics, drawings, photos, illustrations, pictures, logos, services, APIs and any other mentions. The content of this site cannot be reproduced, copied, translated or modified in any way, partially or totally without our prior written permission.

We may grant a limited, revocable and non-exclusive license to create a hyperlink to the home page of the site as long as this link does not describe in a false, wrong or offensive manner or its partners and affiliates. The license granted for the hyperlink does not allow you to use the Twispay brand without a prior written consent from us.

All intellectual property rights (which include copyright and rights to source code and databases) related to brand, trademarks, logos and all materials on the website are our property or used by us under a licence or with permission, and/or of our third party partners.

Nothing contained on the site should be construed as granting by implication or otherwise, any licence or right to use any trademark displayed on the site without the written permission from us or such third party that may own the trademark. 

2. Using the site. Disclaimer

Information and materials presented on this site will not be considered as product offerings and services from, its main purpose being to provide a general source of information about our products and services. Any prices presented on the website have an informative role, and it does not represent in any way a commercial binding agreement between us and you.

The information on the website may not tell you all you need to know or is not complete, and you can ask us for more details, for example by filling in the “Get Started” sections of the site.

Though we try and keep the information up to date, there may be a time delay before we can do so. You should not rely solely on the information on this website. You should check details about important things like prices or other fees in any actual agreement you sign as it is the terms in that document that form the agreement between us or by contacting us.

This site can be used by customers or partners and by any others who want to benefit of services or wish to inform about them. The products and services presented on the site are not targeted to minors. The site can be accessed by minors only with the consent and under the supervision of parents or legal custodian.

Using this site is entirely the responsibility of the users, not being liable for heavy usage, inability to use the site or for direct or indirect damages of any nature arising or related to use of the site or its content. We do not assume any responsibility and will not be liable for damages or viruses that could infect your computer or other property as a result of using this site or downloading of files, text, images or any type of material from the site.

We reserve the right to change the structure, content, location and any other details published on the site, at any time and without informing in advance. 

While the website is normally available 24 hours a day, we shall not be liable if for any reason the website is unavailable at any time. Access to the site may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.

3. Privacy

We are committed to respecting your privacy and the personal information of all visitors, users and to ensure that all information required will be stored safely and treated with confidentiality. For more information please check “Our Privacy and Cookie Policy”.

4. Communication

The site visitors can use the contact form to send comments, notes, observations, suggestions, ideas, proposals, etc. related to the site and its content. The communication content is permitted as long as it is not obscene, threatening, illegal, defamatory, do not affect private life of employees, do not violate the intellectual property rights of or third parties, do not contain viruses or other malware types, carries no political or electoral campaigns, are not chain e-mailing or other forms of spam. Once you fill in the contact form and send it to you agree expressly and unequivocally that the information provided will be treated as non-confidential and not protected by intellectual property rights. Therefore, the information provided becomes the property of and can be used for any purpose. is totally against "spam". Spam is defined as the action of sending unsolicited e-mails, usually of commercial nature, with high repetition, to a recipient with no previous correspondence with the sender or who requested not to receive these emails. Therefore, will send you via e-mail commercial information only with your permission, giving you the possibility to choose whether you want to receive such electronic messages or not.

5. Links to other sites

The site may contain links to other third party sites which are considered to have a useful related content but are not under our control or guidance. When using these links, the Terms and Conditions that apply are the ones corresponding to those sites. is not responsible for the content and accuracy of these sites and assumes no responsibility regarding the privacy protection system used by them. can not guarantee or control the truthfulness or up-to-date of the information presented on the sites of third parties which make reference to the site

6. Security

Unauthorized actions/attempts will be punished according to the regulations in force. These unauthorized actions/attempts include, but are not limited to, fraudulent use, misuse, unauthorized access, blocking access to other users, modifying, copying information for commercial purposes, IT attacks, etc.

If you have chosen a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential and complying with our instructions. You must not share credentials with anyone else, and you authorize us to act upon instructions and information from any person that enters your credentials.

7. Governing law and jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with Romanian law. Disputes arising in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the Romanian courts.