{"id":2177,"date":"2026-06-30T17:42:33","date_gmt":"2026-06-30T15:42:33","guid":{"rendered":"https:\/\/www.stratos.lu\/conditions-generales-dutilisation\/"},"modified":"2026-06-30T19:02:20","modified_gmt":"2026-06-30T17:02:20","slug":"gtu","status":"publish","type":"page","link":"https:\/\/www.stratos.lu\/en\/gtu\/","title":{"rendered":"General Terms of Use"},"content":{"rendered":"\t\t
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General Terms of Use<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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IMPORTANT INFORMATION<\/h2>

These general terms and conditions (the \u201cTerms\u201d) govern the use of the STRATOS program (the \u201cProgram\u201d).<\/p>

The Program provides access to an electronic money account, an associated payment card, and a digital management interface that allows the account holder to access and manage these services.<\/p>

The balance available on the account constitutes electronic money within the meaning of applicable regulations. It is neither a deposit, nor a bank account, nor a credit product. <\/p>

These Terms and Conditions take effect upon acceptance of the account opening application and the activation or first use of the account and\/or card, and remain in effect until terminated in accordance with the terms set forth herein.<\/p>

ARTICLE 1 \u2013 DEFINITIONS AND INTERPRETATION<\/h2>

D\u00e9finitions<\/h3>

For the purposes of these Terms, the following terms, when capitalized, have the following meanings:<\/p>

\u201cAccount\u201d: refers to the electronic money account opened in the Cardholder\u2019s name under the Program.<\/p>

\u201cCard\u201d: refers to the payment card, whether physical or virtual, issued under the Program.<\/p>

\u201cElectronic Money\u201d: refers to a monetary value issued in exchange for the deposit of funds, stored electronically in the Account, and accepted as a means of payment in accordance with applicable regulations.<\/p>

\u201cAvailable Balance\u201d: refers to the amount of electronic money available in the Account and usable to perform transactions, subject to applicable limits.<\/p>

\u201cProgram\u201d: refers to the STRATOS program comprising the Account, the Card, and related services.<\/p>

\u201cIssuer\u201d: refers to Heuro SAS, an electronic money institution authorized and supervised by the French Prudential Supervision and Resolution Authority (ACPR).<\/p>

\u201cProgram Manager\u201d: refers to ID DISTRIBUTION SAS, the company responsible for the operational, technical, and administrative management of the STRATOS Program.<\/p>

“We”, “our” or “ours”: refer, depending on the context, to the Issuer and the entities participating in the Program within the scope of their respective roles.<\/p>

“You” or “Account Holder”: refers to the natural person who opened an account and uses the program’s services.<\/p>

Interpretation<\/h3>

Section headings are provided for convenience only and do not affect the interpretation of these General Terms and Conditions.<\/p>

ARTICLE 2 \u2013 DESCRIPTION OF THE STRATOS PROGRAM<\/h2>

The STRATOS Program (the \u201cProgram\u201d) is an electronic money program managed by ID DISTRIBUTION that allows the Holder to hold and use electronic money through a dedicated account and an associated payment card.<\/p>

Under the Program, the Holder has:<\/p>

\u2013 an electronic money account allowing for the loading, holding, and use of electronic money;<\/p>

\u2013 a payment card enabling the execution of payment transactions and, where applicable, cash withdrawals;<\/p>

\u2013 a secure digital interface for managing the account, the card, and related transactions.<\/p>

In particular, the Program allows the Holder, subject to the availability of a sufficient balance and compliance with applicable limits, to make payments at merchants accepting the card, online or at the point of sale, as well as to make cash withdrawals from compatible ATMs.<\/p>

The Program may also include additional unregulated services, including premium or concierge services, intended for certain categories of customers. These services are provided independently of the electronic money and payment services and do not affect the regulated nature of the Program. <\/p>

ARTICLE 3 \u2013 ISSUER, PROGRAM MANAGER, AND OTHER PARTIES<\/h2>

ID DISTRIBUTION, a simplified joint-stock company registered in France under SIREN number 539 244 186, with its registered office in Paris, acts as the operational manager of the STRATOS program, particularly for customer relations, service distribution, and the provision of the digital interface.<\/p>

The electronic money account and the electronic money held under the Program are issued by Heuro SAS, a company registered in France under number 833 165 863, with its registered office located at 1, rue de la Bourse, 75002 Paris, an electronic money institution authorized and supervised by the Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution (ACPR) under number 17478 (the \u201cIssuer\u201d).<\/p>

The Program is operated in collaboration with Moorwand Ltd, a company registered in England and Wales under number 8491211, with its registered office at Fora, 3 Lloyds Avenue, London EC3N 3DS, United Kingdom. Moorwand Ltd is authorized by the Financial Conduct Authority (FCA) under reference number 900709 and acts as a principal member of the Mastercard network.<\/p>

The payment card is issued under license from Mastercard International Incorporated. Mastercard and the circles logo are registered trademarks of Mastercard International Incorporated. <\/p>

Each party acts strictly within the limits of its respective role as defined in these Terms and Conditions. No provision of these Terms and Conditions shall be interpreted as creating joint and several liability or joint liability among the parties beyond what is provided for by applicable regulations. <\/p>

ARTICLE 4 \u2013 NATURE OF THE PRODUCT<\/h2>

The Account made available under the Program is an electronic money account. Funds loaded onto the Account are converted into electronic money issued by the Issuer and stored in electronic form. <\/p>

The electronic money held in the Account does not constitute a deposit within the meaning of banking regulations, does not bear interest, and is not covered by a deposit insurance scheme. The Account is not a bank account and does not allow for the granting of credit or an overdraft. <\/p>

Funds received in exchange for the issuance of electronic money are protected in accordance with the regulatory requirements applicable to electronic money institutions, in particular through segregation or safeguard measures designed to protect the interests of account holders in the event of the Issuer\u2019s insolvency.<\/p>

The Account Holder acknowledges and agrees that the use of the Account and the Card is strictly limited to the features provided for under the Program and in accordance with these Terms and Conditions.<\/p>

ARTICLE 5 \u2013 ELIGIBILITY REQUIREMENTS<\/h2>

The Program is reserved for individuals acting for non-professional purposes, subject to any contrary provisions expressly set forth in these Terms and Conditions.<\/p>

To be eligible to open an Account and use a Card under the Program, the Cardholder must be at least eighteen (18) years of age and have full legal capacity.<\/p>

The Cardholder must reside in a country where the Program is offered and available, specifically within the European Economic Area and, where applicable, the United Kingdom, subject to any applicable regulatory or operational restrictions.<\/p>

Access to the Program is subject to the successful completion of identity and compliance checks required by applicable regulations, particularly those related to anti-money laundering and counter-terrorism financing. The Issuer and the Program participants reserve the right to refuse or limit access to the Program when eligibility requirements are not met or when regulatory obligations so require. <\/p>

ARTICLE 6 \u2013 APPLICATION TO OPEN AN ACCOUNT AND OBTAIN A CARD<\/h2>

The application to open an Account and, where applicable, to issue a Card is made by the Cardholder via the website, the app, or any other channel made available as part of the Program, or through a duly authorized agent.<\/p>

As part of the application, the Account Holder is required to provide accurate, complete, and up-to-date information, as well as the documents required for the purposes of verifying their identity and ensuring regulatory compliance. The Account Holder agrees to promptly notify the Program of any changes affecting the information provided. <\/p>

All applications are subject to identity and compliance verification procedures, including those related to anti-money laundering and counter-terrorism financing obligations. The opening of the Account and the issuance of the Card are contingent upon the successful completion of these verifications. <\/p>

If the application is accepted, the Cardholder receives an activation confirmation allowing them to access the Account and, if applicable, to order or activate the Card in accordance with the provided instructions.<\/p>

The Program reserves the right to refuse any application to open an Account or issue a Card, or to impose restrictions on the use of services, when required by applicable regulations or for legitimate reasons related to security or risk management.<\/p>

ARTICLE 7 \u2013 ACCOUNT CREATION AND SECURITY INFORMATION<\/h2>

When creating their Account, the Cardholder is required to set up personal credentials, including a username and password, as well as any other authentication method required under the Program (the \u201cSecurity Information\u201d).<\/p>

Security Information is strictly personal and confidential. The Account Holder is responsible for its safekeeping and use and must take all reasonable measures to prevent any unauthorized access to or use of their Account, Card, or digital interface. <\/p>

The Cardholder agrees not to disclose their Security Information to any third party and not to store it in a manner that allows a third party to access it. Any use of the Account or Card resulting from the proper use of the Security Information is deemed to have been made by the Cardholder. <\/p>

In the event of loss, disclosure, or actual or suspected compromise of the Security Information, the Account Holder must immediately notify the Program and, if necessary, change their credentials or block the relevant access methods, in accordance with the instructions provided.<\/p>

The Program may implement additional security measures, including strong authentication mechanisms, to enhance the protection of the Account and transactions, in accordance with applicable regulations.<\/p>

ARTICLE 8 \u2013 FUNDING THE ACCOUNT<\/h2>

The Account may be funded using the payment methods authorized under the Program, as specified via the digital interface or in the documentation made available to the Account Holder.<\/p>

Funds received for the purpose of loading the Account are converted into electronic money upon receipt by the Issuer, subject to the successful completion of the transaction and applicable checks. The corresponding amount is then credited to the Account Holder\u2019s Account and constitutes electronic money. <\/p>

The Holder warrants that they are duly authorized to use the payment methods employed to load the Account and that the funds originate from a lawful source. The Program reserves the right to refuse, suspend, or delay a loading transaction when required by applicable regulations or justified by security or compliance considerations. <\/p>

Loading limits may apply depending on the Holder\u2019s profile, the level of verification completed, and the characteristics of the Account or Card. These limits are specified in the Program documentation and may be modified in accordance with these Terms. <\/p>

No interest is paid on loaded funds or on the electronic money held in the Account.<\/p>

ARTICLE 9 \u2013 USE OF THE ACCOUNT AND THE CARD<\/h2>

Subject to the availability of a sufficient Available Balance and compliance with applicable limits, the Cardholder may use the Account and the Card to make payment transactions with merchants that accept the Card, online or at the point of sale, as well as, where applicable, to make cash withdrawals from compatible ATMs.<\/p>

Each payment or withdrawal transaction is debited from the Cardholder\u2019s Account, including any applicable fees, taxes, or commissions. The Cardholder must ensure that the available balance is sufficient at the time of the transaction. Otherwise, the transaction may be declined. <\/p>

Certain transactions may require a pre-authorization, particularly for reservations with merchants such as hotels or car rental companies. In such cases, the amount corresponding to the pre-authorization may be temporarily unavailable. <\/p>

ARTICLE 10 \u2013 AUTHORIZATION AND EXECUTION OF TRANSACTIONS<\/h2>

Any payment transaction made using the Account or the Card is deemed authorized by the Cardholder when it has been validated in accordance with the applicable authentication mechanisms and security procedures, including through the use of the Card, Security Information, or any other means of authentication established under the Program.<\/p>

A payment transaction is executed on the date of its receipt by the Issuer or by the service providers involved in processing the transaction, subject to the availability of the Available Balance and compliance with applicable limits.<\/p>

The exact amount of a transaction may not be known at the time of authorization, particularly in the case of pre-authorization. In this case, the final amount is debited from the Account upon confirmation of the transaction by the merchant, in accordance with the rules of the payment network. <\/p>

The Program strives to execute payment transactions within the timeframes set forth by applicable regulations. However, additional processing times may apply depending on the type of transaction, the currencies involved, or the operational constraints of the service providers involved in processing. <\/p>

The Program shall not be held liable for any consequences resulting from incorrect information provided by the Cardholder or the merchant, or from a breach of the payment network\u2019s rules.<\/p>

ARTICLE 11 \u2013 LIMITS, FEES, AND CURRENCY EXCHANGE<\/h2>

Limits may apply to the Account and the Card, particularly regarding loading, payment, withdrawal, and holding of electronic money. These limits may vary depending on the Cardholder\u2019s profile, the level of verification performed, and the characteristics of the Account or the Card. <\/p>

The fees applicable under the Program are specified in the fee and limit schedule made available to the Holder via the digital interface or any other appropriate medium. This schedule forms an integral part of these Terms and Conditions. <\/p>

Applicable fees are debited from the Available Balance at the time the relevant transaction is executed or in accordance with the terms specified in the schedule of fees and limits. The Account Holder must ensure that there is a sufficient Available Balance to cover the applicable fees. <\/p>

When transactions involve a currency conversion, the amount is converted into the Account\u2019s currency at the exchange rate applicable at the time the transaction is processed. The exchange rate applied may be based on the market rate or on the rate determined by the relevant payment network. Foreign exchange fees may apply in accordance with the schedule of fees and limits. <\/p>

The amount actually debited from the Account may differ from the amount initially estimated due to exchange rate fluctuations or the time lag between authorization and final processing of the transaction.<\/p>

ARTICLE 12 \u2013 SECURITY OF THE ACCOUNT, THE CARD, AND AUTHENTICATION DEVICES<\/h2>

The Cardholder is responsible for the security of the Account, the Card, and the associated authentication devices, including Security Information. The Cardholder must take all reasonable measures to preserve their confidentiality and prevent any unauthorized use. <\/p>

The Card and authentication devices are strictly personal. Under no circumstances may they be lent, transferred, or made available to a third party. The Cardholder agrees not to disclose their Security Information and not to store it in a manner that allows a third party to access it. <\/p>

The Cardholder must regularly review the transactions made on their Account and immediately report any suspicious, unauthorized, or incorrectly executed transactions, in accordance with the procedures set forth in these Terms and Conditions.<\/p>

In the event of loss, theft, misappropriation, or actual or suspected compromise of the Card or authentication devices, the Cardholder must immediately notify the Program and follow the instructions provided to secure the Account and limit the consequences of fraudulent use.<\/p>

The Program implements appropriate technical and organizational measures to protect the Account, the Card, and transactions, including through the use of strong authentication mechanisms; however, it cannot guarantee absolute security.<\/p>

ARTICLE 13 \u2013 LOSS OR THEFT OF THE CARD<\/h2>

In the event of loss, theft, misappropriation, or fraudulent use of the Card, the Cardholder must notify the Program immediately upon becoming aware of such an incident, in accordance with the contact details provided via the digital interface or any other channel designated for this purpose.<\/p>

Upon receipt of the report, the Program will take appropriate measures to block the affected Card and secure the Account, in accordance with applicable regulatory obligations.<\/p>

Subject to the necessary verifications and the absence of any legal or regulatory impediment, a replacement Card may be issued. Replacement fees may apply in accordance with the current fee schedule and limits. <\/p>

The Cardholder agrees to cooperate fully with the Program and, where applicable, with the competent authorities, in connection with any investigation regarding the loss, theft, or fraudulent use of the Card.<\/p>

Failure to comply with the obligation to report the incident without delay may affect the Cardholder\u2019s right to reimbursement and may result in liability, under the conditions set forth in applicable regulations and these Terms and Conditions.<\/p>

ARTICLE 14 \u2013 UNAUTHORIZED OR INCORRECTLY EXECUTED TRANSACTIONS<\/h2>

The Cardholder must regularly review the transactions recorded on their Account. In the event of a transaction they did not authorize or believe to have been incorrectly executed, they must notify the Program immediately upon becoming aware of it. <\/p>

Any dispute regarding an unauthorized or incorrectly executed transaction must be raised no later than thirteen (13) months from the date the transaction was debited, in accordance with applicable regulations.<\/p>

Provided that the Cardholder has not acted fraudulently or with gross negligence and has complied with the security and reporting obligations set forth in these Terms and Conditions, the Program will refund the amount of the unauthorized or incorrectly executed transaction, under the conditions and within the timeframes provided for by applicable regulations.<\/p>

Where the exact amount of a transaction was not known at the time of its authorization, particularly in the case of pre-authorization, the Cardholder may request a refund of the transaction provided that they notify the Program within eight (8) weeks from the debit date, provided<\/p>

ARTICLE 15 \u2013 PAYMENT DISPUTES<\/h2>

When a payment transaction has been authorized by the Cardholder but the Cardholder disputes the execution of the transaction or the conformity of the goods or services provided by a merchant, the dispute must be addressed directly with the merchant concerned as a matter of priority.<\/p>

The Program is not responsible for the quality, conformity, safety, or legality of the goods or services provided by a merchant, nor for any contractual disputes that may arise between the Cardholder and the merchant.<\/p>

If the dispute cannot be resolved directly with the merchant, the Cardholder may contact the Program\u2019s customer service department so that the situation can be reviewed and, if necessary, assistance provided within the framework of the dispute resolution procedures provided by the applicable payment network. However, the Program offers no guarantee regarding the outcome of the dispute. <\/p>

While a dispute is being processed, the amount of the transaction in question may be temporarily frozen. If the dispute is rejected or if the transaction is confirmed as authorized and properly executed, the amount is definitively debited <\/p>

ARTICLE 16 \u2013 PERSONAL DATA<\/h2>

Personal data provided by the Cardholder in connection with the Program is processed to enable the opening and management of the Account, the issuance and use of the Card, the execution of payment transactions, as well as compliance with applicable legal and regulatory obligations, particularly regarding the fight against money laundering and terrorist financing.<\/p>

Personal data may be processed by the Issuer, the program manager, the distributor, and service providers involved in the Program, each acting within the scope of their respective responsibilities and in accordance with applicable data protection regulations.<\/p>

Certain data may be disclosed to competent authorities, regulators, or legally authorized bodies when required by law or for the purposes of preventing, detecting, or investigating fraudulent or illegal transactions.<\/p>

The Data Subject has rights regarding their personal data, including the rights of access, rectification, erasure, restriction of processing, and objection, as well as, where applicable, the right to data portability, under the conditions set forth by applicable regulations.<\/p>

Detailed terms regarding the processing of personal data, the exercise of the Data Subject\u2019s rights, and the security measures implemented are set forth in the Program\u2019s privacy policy, available via the digital interface or the website.<\/p>

ARTICLE 17 \u2013 COMPLAINTS AND MEDIATION<\/h2>

Complaints and mediation<\/h3>

In the event of dissatisfaction with the services provided under the Program, the Data Subject is invited to first submit a complaint to the Program\u2019s customer service department at support@stratos.lu<\/a>, in accordance with the contact details provided via the digital interface or the website.<\/p>

All complaints will receive an acknowledgment of receipt and will be processed within a reasonable timeframe, in accordance with applicable regulatory requirements. The Program strives to provide a reasoned response within the timeframes set forth by current regulations. <\/p>

If you remain dissatisfied with the handling of your complaint, you may contact Moorwand Ltd at operations@moorwand.com<\/a>. If you require further assistance, you may also contact the issuer, Heuro SAS, at support@ouitrust.com.<\/a> <\/p>

Mediation<\/h3>

In the absence of a satisfactory response or in the event of a persistent disagreement following the complaint procedure, the Member may, free of charge, resort to a mediation mechanism, without prejudice to any other legal remedy.<\/p>

Depending on the nature of the complaint and the Holder\u2019s place of residence, the Holder may refer the matter to one of the following competent mediation bodies:<\/p>

Mediation for France and the European Economic Area<\/h3>

\u2013 For complaints falling within the Issuer\u2019s jurisdiction or for Cardholders residing in France or the European Economic Area:<\/p>

Consumer Ombudsman \u2013 AFEPAME, Attn: Ma\u00eetre Carol SABA,<\/p>

c\/o WEBHELP, ZAC de Gray, Impasse Cl\u00e9ment Ader, 70100 Gray, France.<\/p>

Email address: contact@mediateur-consommation-afepame.fr. <\/a><\/p>

Website: www.mediateur-consommation-afepame.fr.<\/a><\/p>

Mediation for the United Kingdom<\/h3>

For complaints falling within the jurisdiction of an institution authorized by the Financial Conduct Authority or for Cardholders residing in the United Kingdom:<\/p>

UK Financial Ombudsman Service, Exchange Tower, London E14 9SR, United Kingdom.<\/p>

Phone: 0800 023 4 567 or +44 (0)20 7964 0500.<\/p>

Email: complaint.info@financial-ombudsman.org.uk. <\/a><\/p>

Website: www.financial-ombudsman.org.uk.<\/a><\/p>

Complaint handling procedure<\/h3>

Detailed procedures for handling complaints are set forth in the Program\u2019s complaint management policy, available via the digital interface or the website.<\/p>

ARTICLE 18 \u2013 MODIFICATION OF TERMS<\/h2>

The Program reserves the right to amend these Terms and Conditions to reflect, in particular, legislative or regulatory changes, technical, operational, or security changes, or any other developments affecting the services offered under the Program.<\/p>

Any amendment to the Terms and Conditions shall be communicated to the Account Holder in a durable medium, electronically or by any other appropriate means, within a reasonable period of time prior to its effective date, in accordance with applicable regulations.<\/p>

Unless the Account Holder expressly objects to the changes prior to their effective date, such changes shall be deemed accepted. In the event of refusal, the Account Holder retains the right to terminate these Terms and Conditions at no cost, in accordance with the provisions regarding termination. <\/p>

Amendments required by a legal or regulatory obligation may take effect immediately, provided that the Holder is notified as soon as possible.<\/p>

ARTICLE 19 \u2013 TERMINATION, EXPIRATION, AND REDEMPTION OF ELECTRONIC MONEY<\/h2>

The Cardholder may, at any time, request the termination of these Terms and the closure of their Account, subject to the settlement of any pending transactions, the payment of any fees due, and compliance with applicable legal and regulatory obligations.<\/p>

The Program reserves the right to suspend or terminate the Account and\/or the Card, with immediate effect or upon notification to the Holder, particularly when required by applicable regulations, in the event of a breach of these Terms, suspicion of fraudulent or unlawful use, or to prevent a risk to the security or compliance of the Program.<\/p>

In the event of termination of these Terms, permanent expiration of the Card, or closure of the Account, the Cardholder retains the right to request redemption of the remaining electronic money balance in their Account, in accordance with applicable regulations. The redemption is subject to the necessary verifications, the absence of any legal or regulatory objection, and the payment of applicable fees, if any, in accordance with the fee schedule and limits. <\/p>

After the Account is closed, any associated Card must be securely destroyed and must no longer be used. No transactions may be executed after the Account is permanently closed, subject to transactions currently being processed. <\/p>

ARTICLE 20 \u2013 LIABILITY<\/h2>

The Program takes reasonable measures to ensure the availability and proper functioning of the Account, the Card, and the digital interface. However, the Program does not guarantee uninterrupted operation and shall not be held liable for any interruptions, delays, or malfunctions resulting from events beyond its reasonable control, including but not limited to force majeure, communication network failures, technical incidents, or necessary maintenance operations. <\/p>

Subject to applicable mandatory legal provisions, the Program\u2019s liability is limited to direct financial losses resulting from a proven breach of its contractual obligations. The Program shall not be held liable for indirect or consequential losses, such as loss of chance, loss of profit, loss of opportunity, or any non-pecuniary damage. <\/p>

The Program shall not be held liable for damages resulting from the Cardholder\u2019s improper use of the Account or the Card, a breach of the security obligations set forth in these Terms and Conditions, or incorrect information provided by the Cardholder or a third party, unless otherwise provided by applicable regulations.<\/p>

ARTICLE 21 \u2013 THIRD-PARTY SERVICE PROVIDERS<\/h2>

As part of the Program, the Cardholder may use services provided by third-party service providers, including technical service providers, payment networks, or, where applicable, authorized third-party payment service providers, such as payment initiation service providers or account information service providers.<\/p>

When the Account Holder authorizes a third-party service provider to access their Account or to initiate transactions on their behalf, such access is based on the Account Holder\u2019s express consent and is governed by the contractual terms specific to that third-party service provider. The Program is not liable for the services provided by these third-party service providers or for the consequences resulting from their involvement, to the extent permitted by applicable regulations. <\/p>

The Program remains liable to the Account Holder for the performance of its obligations under these Terms and applicable regulations, regardless of the use of third-party service providers.<\/p>

ARTICLE 22 \u2013 GOVERNING LAW AND JURISDICTION<\/h2>

These Terms are governed by French law, as interpreted in accordance with applicable European Union law regarding payment services and electronic money.<\/p>

The choice of French law does not deprive the Account Holder of the mandatory consumer protection provisions that would apply to them under the law of their country of residence within the European Economic Area or, where applicable, the United Kingdom.<\/p>

Any dispute relating to the validity, interpretation, or performance of these Terms falls within the jurisdiction of the competent courts, in accordance with applicable legal rules, without prejudice to the Account Holder\u2019s right to seek mediation or any other legal remedy.<\/p>

ARTICLE 23 \u2013 LEGAL INFORMATION AND CONTACTS<\/h2>

Legal Information<\/h3>

Stratos S.\u00e0 r.l., a company incorporated under Luxembourg law, is the electronic money program managed by ID DISTRIBUTION as part of its activities as an operational manager, specifically for customer relations and the provision of the digital interface.<\/p>

The Card is issued under license from Mastercard International Incorporated. Mastercard and the circles logo are registered trademarks of Mastercard International Incorporated. <\/p>

Contact details<\/h3>

Any correspondence regarding the Program, the Account, or the Card may be addressed to:<\/p>

ID DISTRIBUTION SAS at 31-35 rue de la F\u00e9d\u00e9ration, 75015 PARIS<\/p>

Customer service contact information and communication procedures are available via the digital interface or the Program\u2019s website.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

General Terms of Use Stratos S.\u00e0.r.l. IMPORTANT INFORMATION These general terms and conditions (the \u201cTerms\u201d) govern the use of the STRATOS program (the \u201cProgram\u201d). The Program provides access to an electronic money account, an associated payment card, and a digital management interface that allows the account holder to access and manage these services. The balance […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2177","page","type-page","status-publish","hentry"],"yoast_head":"\nGeneral Terms of Use - Stratos<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.stratos.lu\/en\/gtu\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"General Terms of Use - Stratos\" \/>\n<meta property=\"og:description\" content=\"General Terms of Use Stratos S.\u00e0.r.l. IMPORTANT INFORMATION These general terms and conditions (the \u201cTerms\u201d) govern the use of the STRATOS program (the \u201cProgram\u201d). The Program provides access to an electronic money account, an associated payment card, and a digital management interface that allows the account holder to access and manage these services. 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