YOUR CONSENT TO ELECTRONIC DELIVERY

("Consent Statement")

Thank you for applying for SpaceLabs Card. If you consent to this Consent Statement for this Program, the terms will apply even if you do not obtain (or are not offered) the service.

Your affirmative consent to this E-sign & Electronic Communications Notice (“Consent”) permits Space Labs d.o.o. to provide you with Communications electronically, enables you to sign and authorize Communications electronically through the use of spacelabs.world and allows Space Labs d.o.o. and its partners to collect such e-signatures. If you do not consent to the electronic delivery of Communications, you will not be able to use the service. By registering for an account, applying for a card, or accessing the spacelabs.world you agree that such registration constitutes your electronic signature, and you consent to us providing notices to you and any relevant administrators or users electronically. You understand that this consent has the same legal effect as a physical signature.

 

Access to Paper Copies

You have the right to receive legal disclosures, notices, and communications (together, the "Covered Items") in paper form by mail. We may instead provide these Covered Items to you electronically if you:

1.           Give us your Consent to do so.

2.           Satisfy the System Requirements below.

For purposes of this Consent Statement, the Covered Items include all servicing and collection communications on your account, as well as all legal disclosures, notices, and communications that we are required to provide in writing regarding the account.

In this Consent Statement, “we,” “us,” and “our” refer to Space Labs d.o.o. and its authorized partners.

 

Duration of Consent

Your Consent will remain effective until:

1.           You or we terminate the program or account; OR

2.           You opt out of electronic communications.

If you terminate your account, your Consent will continue with respect to pre-termination rights (including rights created by your Consent to this Consent Statement).

 

Methods of Providing Covered Items

In this document, "provide" means to deliver, make available, send, notify, or use a similar term. We may provide the Covered Items electronically through files, including those in PDF format, downloaded from spacelabs.world. It is your responsibility to review the Covered Items promptly so you can take appropriate action.

Access to Paper Copies

•              You can make copies of the Covered Items by using the "print" or "save" functionality of the application in which you are viewing the Covered Items (e.g., Web browser, PDF viewer).

•              We retain copies of the Covered Items for the time periods required by law and will provide you with copies upon request within those time periods.

•              To request a paper copy at no cost, please contact us at support@spacelabs.world.

 

Our Right to Send Paper

We reserve the right to provide the Covered Items in paper form at all times at our discretion, even if you have given us Consent to provide them electronically. For example (but without limitation), we may do this if:

•              We experience a system outage.

•              We suspect fraud or unauthorized activity.

 

Hardware and Software Requirements

To access and retain the Covered Items, you must have a computing or communications device with:

•              Working Internet access

•              A Web browser that supports 128-bit encryption (e.g., the latest versions of Chrome®, Firefox®, Microsoft Edge®, or Safari®)

•              Sufficient memory to load and render documents

•              A program that can view, save, and print PDF files (e.g., Adobe® Reader® or similar software)

By providing us with your Consent, you confirm that you meet all of the above System Requirements.

 

Withdrawing Consent

You may withdraw your Consent at any time at no cost to you. However, withdrawing Consent prior to the approval of your application will prevent you from using or accessing the service.

To withdraw your Consent, please contact us at support@spacelabs.world.

Note: Withdrawing Consent does not affect the legal effectiveness, validity, or enforceability of any prior electronic disclosures or communications.

 

Acknowledging Ability to Access and Consenting to Electronic Communications

By confirming that you have read and agreed to these terms, you are confirming that:

1.           You have access to a computer system that meets the System Requirements listed above.

2.           You agree to receive Covered Items electronically.

3.           You are able to access, print, or store the information presented to you.

If you have any questions, please contact us at support@spacelabs.world.

 

SPACE LABS D.O.O. SPEND CARD TERMS (Non-US Consumer)

These Space Labs d.o.o. Spend Card Terms (the “Card Terms”) are a binding agreement between you (“you”, or “your”), Space Labs d.o.o. , and Issuer, including its affiliates, successors, and assigns (“Issuer,” “we”, “us”, or “our”) that govern your use of the Space Labs d.o.o. Spend Cards, including the process for obtaining and managing Space Labs d.o.o. Spend Cards, access to which is provided to you by Space Labs d.o.o.

 

Important Disclosures

 

Rates, fees, and other important information about your Space Labs d.o.o. Spend Card (“Card”) are set forth in these Important Disclosures. 

 

Effective as of October 1st, 2025

 

Interest Rates and Interest Charges: 0%

 

Annual Percentage Rate (APR) for Purchases: 0%

 

Your Space Labs d.o.o. Spend Card is currently 0% interest on all purchases. Issuer and Space Labs d.o.o. reserve the right to implement interest in the future, for new purchases. Space Labs d.o.o. will disclose any changes to this agreement prior to the introduction of interest and other charges associated with your Space Labs d.o.o. Card.

 

Fees

 

  Transaction Fee

          Foreign Purchases

             – Foreign Exchange Fee (non USD): up to 3% 

             – Cross Border Fee: up to 3%

           Penalty Fees

               – Late payment: Up to $40

               – Returned payment: Up to $29

               – Liquidation penalty: Up to $35

 

Terms

 

Background :

The SpaceLabs Card is provided to you on behalf of Space Labs d.o.o. in connection with your status as Space Labs d.o.o. client/customer/authorized user and pursuant to your separate User Agreement between you and Space Labs d.o.o. (the “User Terms”). The Issuer is not a party to the Space Labs d.o.o. User Terms and disclaims any liability for the performance of services covered therein.

 

Space Labs d.o.o. has opened a Space Labs d.o.o. Account for purposes of facilitating transactions you make using a Card based on a limit established by Space Labs d.o.o. pursuant to the User Terms. You understand that you have access to the Services and SpaceLabs Card only to the extent authorized by the Space Labs d.o.o. You acknowledge and agree that Space Labs d.o.o. will satisfy obligations created through your use of the SpaceLabs Card and you will repay Partner based on the terms of your User Agreement, subject to the terms below.

 

You understand that the SpaceLabs Card is not intended for personal, consumer, or household use and you agree you will only use the SpaceLabs Card for commercial or business purposes.

 

Details on Space Labs d.o.o. ’s collection, use, and handling of your personal data are described in Space Labs d.o.o. Privacy Policy. Please review it carefully and contact Space Labs d.o.o. if you have any questions. By opening, using, or maintaining a Card, you consent to and direct Issuer to share information relating to transactions, including receipt information or other personal data, in order to deliver the Services.

 

Issuer:

 

The card program is issued by the Issuer under license from Visa. The information about the cost of the Card described in the above table is accurate as of October 1st, 2025. This information may change after that date. To find out what may have changed, call or write the servicer, at support@spacelabs.world.

 

Space Labs d.o.o. and Issuer reserve the right to amend these Card Terms or impose additional obligations or restrictions on you at any time with or without notice to you. By continuing to use the Services, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when the Card Terms were last updated. Capitalized terms that are not defined here have the definitions provided in the Space Labs d.o.o. Agreement. 

 

Defined Terms:

 

“Card Networks” means the payment card networks including Visa or Mastercard.

 

“Charge” means a payment for goods or services made to a merchant that accepts payments on the applicable Card Network.

 

“Chargeback” means a dispute that you initiate against a merchant for an unresolved dispute with the merchant or where a Charge is unauthorized.

 

“Fee” means charges we impose on you for use of Services or your use of a Space Labs d.o.o. Card. 

 

“Issuer” refers to the issuer of the card program. The issuer for this card program is Third National.

 

“Periodic Statement” means the periodic statements that reflect activity for all Cards issued to you identifying charges, fees, refunds, or other amounts owed or credited to your Space Labs d.o.o. Account during the time covered by that statement.

 

“Supported Blockchains” means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks which may be added at the sole discretion of Issuer.

 

Agreement:

 

1.                  Accepting this Agreement & Eligibility

 

These Card Terms become effective and legally binding when you activate or create your Card by following the instructions on the Space Labs d.o.o. platform. You and we agree to comply with, and be bound by, this entire agreement. You should retain and carefully review these Card Terms. By creating a card, you agree to the Arbitration Clause below as it pertains to this agreement, even if you do not use the Account or the Card.

 

By using a Card you represent and warrant in your individual capacity that:

 

•                    You are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Office of Foreign Asset Controls (OFAC).

•                    You will use the Services exclusively for purposes permitted by these Card Terms and the Space Labs d.o.o. Agreement.

•                    All information you provide to us, either directly or through Partner, is and will be true, correct, and complete. 

•                    You will not use the SpaceLabs Card for personal, family, or household use. 

•                    You will only use the SpaceLabs Card in compliance with applicable law.

•                    You attest that you are not a United States citizen, and that you are signing up for a card that is intended for those outside of the United States.

 

2.                  Issuer Terms

 

Cards are issued either by the issuer identified on the back of the Space Labs d.o.o. SpaceLabs Card issued to you, as identified in these Card Terms, or any other agreements or materials provided to you (in each case, the “Issuer”). Issuer is the creditor responsible for funding your payments for goods and services your purchase at a merchant through your SpaceLabs Card and based on information provided by Partner. Please note that the Issuer may require you to accept additional terms in addition to the agreements you have with Space Labs d.o.o. , and your use of the Space Labs d.o.o. Cards will then also be subject to such additional terms. 

 

 

3.                  Collateral

 

Either your primary Linked Wallet or any Additional Wallets may provide the collateral that will secure the Charges made by you on any SpaceLabs Card (the “Collateral”). The Collateral will be in the form of a Digital Asset. Issuer reserves the right to designate which forms of Digital Assets may be used as Collateral, and reserves the right to decline a form of Collateral if it does not meet its updated policies, guidelines, or the Issuer’s requirements. 

 

A “Liquidation Event” will occur a) if you have an outstanding payment obligation to Space Labs d.o.o. or the Issuer or the Partner, as applicable, and such payment obligation has not been paid in full by you within one (1) calendar day; OR b) the Market Value of your collateral drops below the value of the existing charges on your Space Labs d.o.o. Card(s) and you do not add additional collateral.  Space Labs d.o.o. and Issuer may allow for an additional grace period at their discretion.

 

“Market Value” of the Collateral will be determined by Space Labs d.o.o.  and/or Issuer using the net redemption value provided by a centralized stablecoin issuer and/or the real time price posted on a reputable and recognized exchange or price aggregator, or by reference to a price oracle, subject toSpace Labs d.o.o. or Issuers discretion. You agree that the market value of your collateral is determined solely by Issuer through the above methods. You further agree that the Market Value is determined at the time of a Liquidation Event and any change in or fluctuation in value of the collateral before or after a Liquidation Event will have no bearing on obligations owed to Space Labs d.o.o. and/or Issuer. 

 

You, through one or more of your Linked Wallet or Additional Wallets, will be required to post Collateral that has Market Value in United States Dollars (“USD”) equal to each dollar that is charged to all of your Space Labs d.o.o. Cards. For example, if you provide Digital Assets with a Market Value equal to $100 of value in USD, and that Market Value does not change, your spending limit will be equal to $100 USD across all your Space Labs d.o.o. Cards. Once $100 USD has been charged to your Space Labs d.o.o. Cards, you will be required to provide additional Collateral for any incremental Charges. If the Market Value of your collateral goes down below $100 USD, and you have $100 USD in charges, you may be subject to a Liquidation Event. If the Market Value of your collateral is subject to a liquidation event when the Market Value is below your existing charges, you still owe Space Labs d.o.o. and Issuer any difference between the USD value of the charges, and the USD value of the collateral at the time of Liquidation. 

 

Your withdrawal of any Collateral will not terminate any outstanding payment obligations you may have on your Space Labs d.o.o. Cards.

 

Space Labs d.o.o. and Issuer will not, in any circumstance, be holding custody of your Collateral. Space Labs d.o.o. is not a custodian or owner of your Collateral. If a Liquidation Event occurs, only the amount required to repay your outstanding financial obligations to Issuer will be liquidated from your Collateral. Any unencumbered Collateral balances shall remain freely accessible. You authorize and consent to Issuer liquidating the Collateral upon a Liquidation Event through a third party or by other means in order to satisfy payment obligations owed by you to Space Labs d.o.o. , the Issuer or other third party, as applicable. 

 

4.                  Spending Limits

 

Your spending limit is generally set by Space Labs d.o.o. pursuant to the terms of the Space Labs d.o.o. Terms. Issuer may additionally set spending limits on each SpaceLabs Card or an aggregate spending limit across all Space Labs d.o.o. Cards, at its sole discretion. Space Labs d.o.o. Account Spending limits are dynamic and may be modified at any time with or without notice to you, including temporarily increases or decreases or reducing spending limits to $0. Any authorized Charge or fee on a SpaceLabs Card may reduce your spending limit by a corresponding amount. Space Labs d.o.o. Account

 

When you use SpaceLabs Card to initiate a transaction at certain merchants where the amount of the final transaction is unknown at the time of authorization, Issuer may assess a value to such a Charge for an amount higher or lower than the final Charges. The initial “hold” Charge will reduce your spending limit until the final Charge is determined.

 

5.                  Purchases & Restrictions

 

The primary purpose of your Account is to facilitate corporate expenses and other corporate purchases. Space Labs d.o.o. and Issuer reserve the right to block and terminate transactions and suspend access to your Account, unless prohibited by applicable law, for transactions and activity which presents patterns that do not conform with business purposes. You may use your Account to purchase or lease goods or services (each, a “purchase”) by presenting your Card or providing to participating merchants and establishments that honor the Card your Card number and additional information by any other means (for example, over the phone, online or through a mobile app). We will not be liable to you (or anyone else) if any merchant or other person cannot or will not process a purchase permitted under these Card Terms. Unless prohibited by applicable law, we may from time to time limit the type, number and dollar amount of any purchase, including any cash-like transaction, even if you have sufficient available credit to complete the purchase. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted:

 

• purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions;

 

• purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions;

 

• person-to-person money transfers and account-funding transactions that transfer currency; and

 

• making a payment using a third-party service including bill payment transactions not made directly with the merchant or their service provider.

 

We reserve the right to deny any purchase for any reason, such as account default, suspected fraudulent or unlawful activity, internet gambling, or any indication of increased risk related to the purchase. We may terminate or suspend your use of the Card or the Account, with or without notice to you before or at the time we take such action. Cash advances and balance transfers are not available under these Card Terms.

 

You acknowledge and agree that you have read and understood the “Partner prohibited activities list] and that you will not engage in any such activities when using the Services or the Space Labs d.o.o. Card. 

 

You acknowledge and agree that you will not use the Space Labs d.o.o.  Card (1) for any expense which is not a business expenses incurred by you; (2) for any purpose prohibited by these Card Terms; (3) for, with, or for the benefit of any individual or entity who is blocked or sanctioned by the United States, including those identified by the United States Department of Treasury’s Office of Foreign Assets Control (OFAC); for personal, family, or household use. 

 

You will use all reasonable means to protect your Space Labs d.o.o. Cards and log-in credentials to the Space Labs d.o.o. Account from unauthorized use. You will not allow any other person or third party to use the Services or the SpaceLabs Card on your behalf. You will immediately us where you know or suspect that access to your Space Labs d.o.o. Account has been compromised or your SpaceLabs Card has been lost, stolen, or compromised in any way. 

 

6.                  Payments

 

6.1 Promise to Pay 

 

While you will generally repay Space Labs d.o.o. for amounts transacted with your Card, you also promise to pay Issuer or its assignees for all amounts charged to the Account not repaid by Partner, including all purchases, interest, and charges charged to your Account. You are obligated to repay Space Labs d.o.o. or its assignees, for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them,

 

6.2 Periodic Statements

 

You are responsible for payment in full of all Charges and Fees. Your Space Labs d.o.o. Space Labs d.o.o. Account may include Periodic Statements identifying Charges, Fees, refunds, the amount of your Collateral, any other Card transactions, or other amounts owed or credited to your Space Labs d.o.o. Account. Periodic Statements may be made accessible to you on your Space Labs d.o.o. Account daily, monthly, or as otherwise prescribed by Issuer. You must notify us promptly if you believe that there are any errors on your Periodic Statement, and submit any disputes or Chargebacks in accordance with these Card Terms. We are not obligated to send you a monthly statement if we deem your Account to be uncollectible or applicable law does not require us to send you a monthly statement for other reasons.

 

6.3 Repayments

 

Where applicable, you may make a repayment for a balance on one or more of your  Space Labs d.o.o. Cards by any means that are permitted by Space Labs d.o.o. and as provided in your Space Labs d.o.o. Account.

 

Any failure to pay the full amount owed to Space Labs d.o.o. or the Issuer, as applicable, when required is a breach of these Card Terms. You are responsible for all costs or expenses that we may incur in collecting amounts owed but not timely paid, including legal or collections fees and any interest at the maximum rate permitted under law.

 

6.4 Prepayment

 

At any time and where applicable, you may pay all or any part of your outstanding Account balance, without penalty. Payment of more than the payment due in one billing cycle will not relieve you of the obligation to pay the entire payment due in subsequent billing cycles.

 

7.                  Fees.

 

Subject to applicable law you agree to pay the following fees:

 

We will disclose any Fees to you when you are approved for a SpaceLabs Card through your Space Labs d.o.o. Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days’ notice to you. Fees we assess may include interest or other finance related charges, periodic fees, fees for Card issuance or replacement, fees applicable to certain transactions, foreign transaction fees, usage fees, service fees, cash advance fees, fees for late payments, fees for failed payments or returned payments, fees for misuse of the Services, fees for Liquidation Events, or other fees we disclose to you. You are responsible for Fees in addition to Charges.

 

7.1 Penalty fees.

 

(a) Liquidation fee

 

(b) Each time a payment on your Account is returned or reversed for any reason or we must return any check, instrument, or transaction you send us because it is incomplete or faulty, we will charge you a returned payment fee of $50.00. However, we will not charge a returned payment fee if we are charging a late fee with respect to the same minimum payment due and will never charge a returned payment fee exceeding the minimum payment due that was due immediately prior to the date on which the payment was returned to us.

 

(c) Additional fees. We may charge fees for special services you request in accordance with applicable law.

 

7.2  Foreign Currency Transactions

 

 If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any transaction in foreign currency into U.S. dollars using an exchange rate for the applicable central processing date that is (1) selected by the association from the range of rates available in wholesale currency markets, which rate may vary from the rate the association receives, or (2) the government mandated rate. The conversion rate you get may differ from the rate on the transaction date or the posting date, and from the rate that the credit card association gets. A merchant or other third party may convert a transaction into U.S. dollars or another currency, using a rate they select, before sending it to the credit card association.

 

      Foreign Transaction Fees up to 3%

 

8.                  Managing Your Space Labs d.o.o. Cards

 

8.1 Requesting and Replacing Cards

 

We or the Issuer may decide not to grant requests for Space Labs d.o.o. Cards or limit the number of physical or virtual Space Labs d.o.o. Cards provided to you.

 

 

You are responsible for securing Space Labs d.o.o. Cards, account numbers, and SpaceLabs Card security features. You will promptly notify us and take appropriate measures to prevent unauthorized transactions when a SpaceLabs Card is lost, stolen, breached, or needs to be replaced. In such cases, you may request the issuance of replacement Space Labs d.o.o. Cards through your Space Labs d.o.o. Account. Replacement Cards may have new account numbers that could require you to update the SpaceLabs Card on file for any scheduled or recurring payments. You are solely responsible for updating SpaceLabs Card information stored with merchants where account numbers have been changed.

 

8.2 Permitted and Unauthorized Use

 

You may only use Space Labs d.o.o. Cards for bona fide business-related Charges and transactions, and not for personal, family, or household purposes.  You understand that your Space Labs d.o.o. Account is commercial in nature and that certain consumer protection laws, such as the Credit Card Consumer Accountability, Responsibility, and Disclosure Act of 2009, do not apply to your Space Labs d.o.o. Account or the Space Labs d.o.o. Cards. You agree that all Charges and other transactions in your account will be treated as business transactions made solely for business purposes.

 

You agree to establish and maintain controls designed to ensure that the Space Labs d.o.o. Cards are only used by you and your permitted authorized users for bona fide business purposes and in compliance with these Card Terms, any Issuer terms, the Space Labs d.o.o. Agreement, and applicable law. You are responsible for Charges and transactions made by any person given access to Space Labs d.o.o. Cards even if they are not the person associated with or named on the Space Labs d.o.o. Card.

 

Space Labs d.o.o. , Issuers, Card Networks, or other intermediary third-party service providers (including merchant acquirers) may deny or reverse Charges for any reason. Issuer is not responsible for any losses, damages, or harm caused by any Charges that are denied or reversed.

 

8.3 Lost or Stolen Cards. 

 

If your Card is lost or stolen or if you think someone may be using your Card or Account without your permission, you must notify us promptly by emailing us at support@spacelabs.world. You will not be liable for any unauthorized use that occurs after you notify us.  You may, however, be liable for unauthorized use that occurs before receipt of your notice by us. You have an obligation to assist us in our investigation if your SpaceLabs Card is lost or stolen or you believe someone is using your SpaceLabs Card or your Space Labs d.o.o. Account without your permission. 

 

9.                  Chargebacks

 

You are responsible for reviewing your Periodic Statements promptly and identifying any Charges that you believe are unauthorized or that you dispute.

 

If you and a merchant have a dispute regarding a Charge identified on your Periodic Statement, such as delivery of incorrect goods or services or being charged the wrong amount, you should first attempt to resolve the dispute with the merchant. If the dispute is not resolved to your satisfaction or if you believe the Charge is unauthorized, you may initiate a Chargeback through your Space Labs d.o.o. Account. You must report any disputed Charge or error no more than 60 days after the disputed Charge is posted on your Periodic Statement. We may require additional details on the transaction and our review of your disputed Charge will be conditioned on you providing all of the information we may require to review the disputed Charge. 

 

You understand that the SpaceLabs Card is subject to Card Network rules regarding chargebacks. The Card Networks have additional established procedures for resolving chargebacks that may require you to provide further details of the disputed Charge or associated documentation.

 

Charges relating to disputed Charges and Chargebacks that are pending resolution may still be due and owing as of the date that payment is due as provided in the applicable Periodic Statement. Chargebacks resolved in your favor will be credited to your Space Labs d.o.o. Account on either the current or a future Periodic Statement. We may impose Fees, reduce your spending limits, or suspend access to your Space Labs d.o.o. Account or the Services if you fail to pay Charges relating to Chargebacks that are pending resolution on the payment date.

 

10.              Termination

 

Subject to applicable law, we may suspend, revoke or cancel your Account privileges, your right to use the Card or deny any transaction, in our sole discretion at any time, with or without cause and with or without giving you notice.  Any termination of credit privileges, whether initiated by us or by you, will not affect any of our rights or your obligations under these Card Terms, including your obligation to repay any amounts you owe us according to the terms of these Card Terms. On our demand or upon termination of credit privileges, you agree to surrender to us or destroy the Card. If you attempt to use the Card after the termination of credit privileges (whether or not we have provided notice of such termination), the Card may be retained by a merchant, ATM or financial institution where you attempt to use the Card.

 

11.              Change of Terms

 

Subject to applicable law, we may at any time change, add to or delete terms and conditions of these Card Terms, including interest rates and this Change of Terms provision. Such changes may be based on our anti-fraud policies and procedures, your level of compliance with these Card Terms, prevailing economic conditions and/or any other factors. We will give you notice of any change, addition or deletion as required by applicable law. As of the effective date, the changed terms, at our option, will apply to new purchases and the outstanding balances of your Account, to the extent permitted by applicable law.

 

12.              Remedies

 

In the event of your default under these Card Terms, we may, subject to applicable law (including any applicable notice requirement): (a) declare all or any portion of your outstanding Account balance to be immediately due and payable; (b) instead allow you to repay your Account balance by paying the minimum payment due each billing cycle, without waiving any rights under subsection (a); and/or (c) commence a collection action against you and charge you for any court costs and/or any reasonable attorneys’ fees and costs we are charged in connection with such action by any attorney who is not our salaried employee. After a default, interest charges will continue to accrue until your total Account balance, including accrued interest charges, is paid in full, subject to applicable law.

 

13.               Delay in Enforcement

 

We may at any time and in our sole discretion delay or waive enforcing any of our rights or remedies under these Card Terms or under applicable law without losing any of those or any other rights or remedies. Even if we do not enforce our rights or remedies at any one time, we may enforce them at a later date. For example, we may accept late payments without losing any of our rights under these Card Terms.

 

14.              Communications and Call Recording.

 

You authorize Space Labs d.o.o. , Issuer and their partners (one of and each of Issuer’s joint or independent affiliates, agents, assigns, and service providers (collectively, the “Messaging Parties”) to use automatic telephone dialing systems, artificial or prerecorded voice message systems, text messaging systems and automated email systems, or any system capable of storing and dialing telephone numbers to deliver messages relating to these Card Terms, your Account, or your relationship with the Messaging Parties more generally (including but not limited to: messages about , upcoming payment due dates, missed payments and returned payments) to any telephone number(s) you provide to the Messaging Parties. You also agree that these messages may deliver prerecorded and/or artificial voice messages. You understand that telephone messages may be played by a machine automatically when the telephone is answered, whether answered by you or someone else, and that these messages may also be recorded by your answering machine.  You also authorize the Messaging Parties to deliver messages to you via mail or email at any addresses you supply to them or that they obtain through any legal means.

 

You understand that anyone with access to your mail, telephone or email account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such messages. You further understand that, when you receive a telephone call, text message or email, you may incur a charge from the company that provides you with telecommunications, wireless and/or internet services, and you agree that the Messaging Parties will have no liability for such charges except to the extent required by applicable law. You expressly authorize the Messaging Parties to monitor and record your calls with the Messaging Parties. If any telephone number you have provided to the Messaging Parties changes, or if you cease to be the owner, subscriber, or primary user of any such telephone number, you agree to immediately give notice to the Messaging Party who delivered the messages of such facts so that the Messaging Party can update its records.

 

This authorization is part of our bargain concerning these Card Terms, and we do not intend it to be revocable. However, to the extent you have the right to revoke your consent to communications by autodialed calls and text messages to your mobile number under applicable law, you may exercise this right by contacting the applicable Messaging Party directly or by sending a request by email to support@spacelabs.world with the subject line “END COMMUNICATIONS.” You may opt-out of receiving most of these messages at any time by sending us a request to support@spacelabs.world or by responding “STOP” to any text message. To stop emails only, you can follow the opt-out instructions included at the bottom of the Messaging Parties’ emails.

 

15.                     Governing Law

 

These Card Terms will be interpreted in accordance with the laws of Puerto Rico without regard to conflict-of-law provisions. Judicial proceedings (other than small claims actions) that are excluded from the Arbitration section above must be brought in state or federal court in Puerto Rico, unless we both agree to some other location, and you hereby consent to the venue and personal jurisdiction of such court.

 

16.                     Dispute Resolution & Arbitration

 

PLEASE READ THIS "DISPUTE RESOLUTION AND ARBITRATION" PROVISION VERY CAREFULLY. IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND ISSUER.

 

Binding Arbitration:

 

(a) You and Issuer agree that any and all past, present and future Disputes (defined below) shall be determined by arbitration, unless your Dispute is subject to an exception to this agreement to arbitrate set forth below. You and Issuer further agree that any arbitration pursuant to this section shall not proceed as a class, group or representative action. The award of the arbitrator may be entered in any court having jurisdiction. “Dispute” means any dispute, claim, or controversy between you and Issuer that arises out of or relates to (i) these Card Terms (including any addenda hereto or other terms incorporated herein by reference), (ii) the breach, termination, enforcement, interpretation or validity hereof, including the determination of the scope or applicability of the agreement to arbitrate hereunder, or (iii) any Services (including, without limitation, the Space Labs d.o.o. Card).

 

 

(b) This agreement to arbitrate shall be construed under and be subject to the Federal Arbitration Act, notwithstanding any other choice of law set out in these Card Terms.

 

Arbitration Procedure:

 

(a) Before filing a claim against Issuer, you agree to try to resolve the Dispute informally by providing written notice to Issuer of the actual or potential Dispute. Similarly, Issuer will provide written notice to you of any actual or potential Dispute to endeavor to resolve any claim we may possess informally before taking any formal action. The party that provides the notice of the actual or potential Dispute (the "Notifying Party") will include in that notice (a "Notice of Dispute") your name, the Notifying Party’s contact information for any communications relating to such Dispute, and sufficient details regarding such Dispute to enable the other party (the "Notified Party") to understand the basis of and evaluate the concerns raised. If the Notified Party responds within ten (10) business days after receiving the Notice of Dispute that it is ready and willing to engage in good faith discussions in an effort to resolve the Dispute informally, then each party shall promptly participate in such discussions in good faith.

 

(b) If, notwithstanding the Notifying Party’s compliance with all of its obligations under the preceding paragraph, a Dispute is not resolved within thirty (30) days after the Notice of Dispute is sent (or if the Notified Party fails to respond to the Notice of Dispute within ten (10) business days), the Notifying Party may initiate an arbitration proceeding as described below. If either party purports to initiate arbitration without first providing a Notice of Dispute and otherwise complying with all of its obligations under the preceding paragraph, then, notwithstanding any other provision of these Card Terms, the arbitrator(s) will promptly dismiss the claim with prejudice and will award the other party all of its costs and expenses (including, without limitation, reasonable attorneys’ fees) incurred in connection with such Dispute.

 

(c) You and Issuer each agree to resolve any Disputes that are not resolved informally as described above through final and binding arbitration as discussed herein, except as set forth under Section 12.3 below. You and Issuer agree that the American Arbitration Association ("AAA") will administer the arbitration under its Commercial Arbitration Rules (the "Rules"). The Rules are available at www.adr.org or by calling the AAA at 1-800-778-7879. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. (The AAA provides a general Demand for Arbitration.) Arbitration will proceed on an individual basis and will be handled by a sole arbitrator. The single arbitrator will be either a retired judge or an attorney licensed to practice law and will be selected by the parties from the AAA’s roster of arbitrators. If the parties are unable to agree upon an arbitrator within fourteen (14) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules. The arbitrator(s) shall be authorized to award any remedies, including injunctive relief, that would be available to you in an individual lawsuit, subject to any effective and enforceable limitations of liability or exclusions of remedies set forth herein. Notwithstanding any language to the contrary in this paragraph, if a party seeks injunctive relief that would significantly impact other Issuer users as reasonably determined by either party, the parties agree that such arbitration will proceed on an individual basis but will be handled by a panel of three (3) arbitrators. Each party shall select one arbitrator, and the two party-selected arbitrators shall select the third, who shall serve as chair of the arbitral panel. That chairperson shall be a retired judge or an attorney licensed to practice law and with experience arbitrating or mediating disputes. In the event of disagreement as to whether the threshold for a three-arbitrator panel has been met, the sole arbitrator appointed in accordance with this Section shall make that determination. If the arbitrator determines a three-person panel is appropriate, the arbitrator may — if selected by either party or as the chair by the two party-selected arbitrators — participate in the arbitral panel. Except as and to the extent otherwise may be required by law, the arbitration proceeding and any award shall be confidential. 

 

(d) You and Issuer further agree that the arbitration will be held in the English language in New York, New York, or, if you so elect, all proceedings can be conducted via videoconference, telephonically or via other remote electronic means. 

 

(e) Filing costs and administrative fees shall be paid in accordance with the AAA Rules; provided that the prevailing party will be entitled to recover its reasonable attorneys’ fees, expert witness fees, and out-of-pocket costs incurred in connection with the arbitration proceeding, in addition to any other relief it may be awarded. 

 

(f) You and Issuer agree that, notwithstanding anything to the contrary in the Rules, the arbitration of any Dispute shall proceed on an individual basis, and neither you nor Issuer may bring a claim as a part of a class, group, collective, coordinated, consolidated or mass arbitration (each, a "Collective Arbitration"). Without limiting the generality of the foregoing, a claim to resolve any Dispute against Issuer will be deemed a Collective Arbitration if (i) two (2) or more similar claims for arbitration are filed concurrently by or on behalf of one or more claimants; and (ii) counsel for the claimants are the same, share fees or coordinate across the arbitrations. "Concurrently" for purposes of this provision means that both arbitrations are pending (filed but not yet resolved) at the same time.

 

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YOU NOR ISSUER SHALL BE ENTITLED TO CONSOLIDATE, JOIN OR COORDINATE DISPUTES BY OR AGAINST OTHER INDIVIDUALS OR ENTITIES, OR ARBITRATE OR LITIGATE ANY DISPUTE IN A REPRESENTATIVE CAPACITY, INCLUDING AS A REPRESENTATIVE MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. IN CONNECTION WITH ANY DISPUTE, ANY AND ALL SUCH RIGHTS ARE HEREBY EXPRESSLY AND UNCONDITIONALLY WAIVED. Without limiting the foregoing, any challenge to the validity of this paragraph shall be determined exclusively by the arbitrator.

 

Small Claims:

 

Notwithstanding your and Issuer’s agreement to arbitrate Disputes, You and Issuer retain the right to bring an individual action in small claims court.

 

Class Waiver: 

 

To the extent applicable law permits, any dispute arising out of or relating to these Card Terms, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. Notwithstanding any other provision of these Card Terms or the AAA Rules, disputes regarding the interpretation, applicability, or enforceability of this class waiver may be resolved only by a court and not by an arbitrator. If this waiver of class or consolidated actions is deemed invalid or unenforceable, neither party is entitled to arbitration.

 

No Jury Trial:

 

If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to these Card Terms.

 

Venue and Jurisdiction for Judicial Proceedings:

 

Except as otherwise required by applicable law or provided in these Card Terms, in the event that the agreement to arbitrate is found not to apply to you or your Dispute, you and Issuer agree that any judicial proceeding may only be brought in a court of competent jurisdiction in Puerto Rico. Both you and Issuer irrevocably consent to venue and personal jurisdiction there; provided that either party may bring any action to confirm an arbitral award in any court having jurisdiction.

 

Confidentiality:

 

The existence of and all information regarding any Dispute will be held in strict confidence by the parties and will not be disclosed by either party except as reasonably necessary in connection with the conduct of the arbitration or the confirmation or enforcement of any arbitral award. Any such permitted disclosure will, to the maximum extent reasonably practicable, be made subject to obligations of confidentiality at least as stringent as the provisions of this paragraph. If any disclosure of information regarding any Dispute is required under applicable law, the parties shall reasonably cooperate with one another to obtain protective orders or otherwise to preserve the confidentiality of such information.

 

Survival:

 

This agreement to arbitrate shall survive the termination or expiration of these Card Terms. With the exception of the provisions of this agreement to arbitrate that prohibit Collective Arbitration, if a court decides that any part of this agreement to arbitrate is invalid or unenforceable, then the remaining portions of this agreement to arbitrate shall nevertheless remain valid and in force. In the event that a court finds the prohibition of Collective Arbitration to be invalid or unenforceable, then the entirety of this agreement to arbitrate shall be deemed void (but no provisions of these Card Terms unrelated to arbitration shall be void), and any remaining Dispute must be litigated in court pursuant to the preceding paragraph.

 

 

Indemnity:

 

You will indemnify and defend each of Space Labs d.o.o. and Issuer, and their affiliates, and their respective partners, directors, officers, employees, agents, trustees, administrators, managers, advisors, and representatives (each an “Indemnitee”) against, and hold each Indemnitee harmless from, any and all claims, litigation, investigations, proceedings, losses, damages, fines, penalties, liabilities, settlements, costs, fees, and expenses incurred by any Indemnitee or asserted against any Indemnitee by any person: (1) arising out of, in connection with, related to, or as a result of, a breach by you or by any Company Administrator or Company User of any of the representations, warranties, covenants, or agreements contained in these Card Terms, the User Terms, any terms applicable to any Third Party Provider or any other agreements with any Issuing Partner or that otherwise relate to the Services or the use of the Space Labs d.o.o. Card; (ii) for amounts owed by Company to third parties; (iii) for acts or omissions of Company Administrators, Company Users, or other Company employees or agents; (iv) for Company’s use of the Services; or (v) for disputes over charges between Company and merchants. Space Labs d.o.o. and Issuer may defend any claim subject to indemnification hereunder, using counsel of its choice, and you will pay or promptly reimburse the Issuer and Company for the reasonable fees of such counsel and all related costs and reasonable expenses

.

 

If you are a user from a jurisdiction that does not allow the certain indemnification obligations, you agree that the foregoing section titled “Indemnity” is intended to be as broad as permitted under the laws of such jurisdiction. If any portion of this section is held to be invalid under the laws of such jurisdiction, the invalidity of such portion will not affect the validity of the remaining portions of the applicable sections.

 

SPACE LABS D.O.O. CREDIT CARD ACCOUNT OPENING DISCLOSURES – NO SET LINE OF CREDIT (US Consumer)

 

How We Will Calculate Your Balance: We use a method called "average daily balance". See your Cardholder Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.

Loss of Introductory APR: There is no interest chargeable to this Credit Card.

How We Will Calculate Your Variable APRs: There is no interest chargeable to this Credit Card.

Prime Rate: There is no interest chargeable to this Credit Card.

 

Military Lending Act Disclosure: The following disclosure applies to persons covered by the Military Lending Act – other governmental programs and laws may also govern or apply to this transaction but are not described in the following disclosure. The following disclosure is required by the Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

 

 SPACELABS CARDHOLDER AGREEMENT – SET LINE OF CREDIT

 

Last Updated: 2025-October-01

 

Arbitration Clause; Notices: PLEASE REVIEW THE ARBITRATION CLAUSE AND NOTICES SET FORTH BELOW IN THE SECTION TITLED IDSPUTE RESOLUTION AND ARBITRATION. BY USING THE RAIN CARD, YOU ARE AGREEING TO THE ARBITRATION CLAUSE AND NOTICES SET FORTH THAT SECTION. THE ARBITRATION CLAUSE WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS PROCEEDING.

 

This  SpaceLabs Cardholder Agreement (“Agreement”) is a binding agreement between you (“you”) and Issuer including its affiliates, successors, and assigns (“Issuer,” “we”, “us,” or “Our”) that govern your use of the card account (“Account”) provided by Space Labs d.o.o..  The   SpaceLabs Card is provided to you on behalf of Space Labs d.o.o. in connection with your status as Space Labs d.o.o. customer and pursuant to your separate User Agreement between you and Space Labs d.o.o. (the “User Terms”).  The Issuer is not a party to the Space Labs d.o.o. User Terms and disclaims any liability for the performance of services covered therein.

 

We reserve the right to amend this Agreement or impose additional obligations or restrictions on you at any time with or without notice to you, except where required by applicable law. By continuing to use the Cards, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when this Agreement was last updated.

 

Additional Definitions

 

 The term “Card” means any card we issue associated with your Account, including renewal and substitute cards. The term “Card” also means any other access device that allows you  to obtain Account credit from us, including your Account number. Other capitalized terms that are not defined here are generally defined the first time we use those terms. The term “Issuer” refers to Third National. The term “Supported Blockchain” means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrum Blockchain and other blockchain networks which may be added at our sole discretion.

 

 

Overview of Account Agreement

 

Our Account agreement with you (the “Agreement”) is contained in and governed by:

 

•                    this document, called the SpaceLabs Cardholder Agreement;

 

•                    all Account disclosures and terms provided to you before or when the Account is opened, including the terms you accepted when applying for the Account, disclosures in our Card Account Opening Disclosures (the “Account Opening Disclosures”), and any terms we provided in written materials accompanying your Card;

 

•                    all other documents, disclosures and terms that relate specifically to your Account, including:

 

•                    the privacy notices we or Space Labs d.o.o. provide to you;

•                    the terms shown on periodic billing statements for your Account (each, a “Statement”);

•                    the e-signature & electronic communications consent agreement

•                    your agreement that you were not solicited for this product, and

 

•                    any future changes we make to any of the above items, as permitted or required by applicable law.

 

You agree that this Agreement becomes effective the first time you use any Card or the Account. You agree that you were not solicited for this product. You also agree that we may keep and use an image or copy of the Agreement to enforce its terms against you. When the Agreement states we “may” take an action, it means we are authorized to take that action in our sole discretion, subject only to any limitations or requirements established by law and the express terms of the Agreement. Please read these materials carefully and keep them for future reference. We may make new offers to you in the future or forward offers from others that may interest you. If these offers have new or different terms, those terms will be provided with the offer. If you accept the offer, the previously disclosed terms in the Agreement will still apply, except as modified by the offer.

 

Account Information We Need

 

 We need and will request complete, current and valid information about you to manage your Account. Such information may include but is not limited to: your legal name; your address(es); your telephone number(s); your date(s) of birth; your employment and income information; and your Social Security number(s); or other government identification number(s).  If we agree to issue additional Cards, You must tell us when this information changes. You may update your address as described on your most recent Statement, through the website we maintain for your Account, or by calling us at the telephone number shown on your most recent Statement or the back of your Card. We may require that you provide additional documents that are acceptable to us so that we can verify this information and any changes. We may restrict or close your Account, if we are unable to verify your information, if you do not provide the additional information we request, or at our sole discretion.

 

 

TO HELP THE GOVERNMENT FIGHT THE FUNDING OF TERRORISM AND MONEY LAUNDERING ACTIVITIES, FEDERAL LAW REQUIRES US TO OBTAIN, VERIFY, AND RECORD INFORMATION THAT IDENTIFIES EACH PERSON WHO OPENS AN ACCOUNT. WHAT THESE MEANS FOR YOU: WHEN YOU OPEN AN ACCOUNT, WE WILL ASK FOR THE NAME, ADDRESS, EMPLOYER IDENTIFICATION NUMBER AND ORGANIZATIONAL DOCUMENTS OF THE ACCOUNT OWNER AND THE NAMES, ADDRESSES, DATES OF BIRTH, AND OTHER INFORMATION CONCERNING EACH PRINCIPAL OWNER THAT WILL ALLOW US TO IDENTIFY THE ACCOUNT OWNER AND ITS PRINCIPAL OWNERS. WE MAY ALSO ASK TO SEE A COPY OF EACH PRINCIPAL OWNERS’ DRIVER’S LICENSES OR OTHER IDENTIFICATION DOCUMENTS.

 

Balance Categories of Your Account

 

“Balance Categories” are the different Account segments we may establish with unique pricing, grace periods or other terms. The Balance Categories of your Account include Purchases, and Special Offers. We reserve the right to decide which Balance Category applies for each Account transaction and our decision will be final.

 

A “Purchase” means the property, rights, goods and services we allow you to purchase, rent, or otherwise obtain directly from merchants and vendors by using your Card.

 

A “Special Offer” means transactions and balances that post to your Account, subject to unique pricing, grace periods, or other terms we disclose from time to time for promotional and other reasons. Our Special Offer disclosures will explain when any unpaid Special Offer balances may be transferred to and combined with a different Balance Category after any temporary rate period ends.

 

Your Promises To Us

 

You promise to do everything the Agreement requires of you, as long as your Account has a balance or remains open. Each of you and all of you promise, individually and together, to pay us all amounts due on your Account, now and in the future. This includes amounts where you did not sign a purchase slip or other documents for the transaction. If you use your Card number without presenting your actual Card (such as for mail, telephone or Internet purchases), these transactions will be treated as if you used the Card in person. The amounts due on your Account include all transactions in each Balance Category made by any of you, plus all Fees and all Interest Charges, as described in this Agreement. Your “Interest Charges” are the charges we add to your Account based on the Annual Percentage Rates we apply to your Account balances. Your “Fees” are the charges we add to your Account that are not based on the Annual Percentage Rates. If you allow someone else to use your Card, you are responsible for all transactions made by that person and all associated Fees and Interest Charges. If you die, your promise to pay us will apply to your estate, as permitted by law.

 

Using Your Account and Card

 

You may use your Card and the Account for making Purchases and for obtaining Special Offers, as permitted by this Agreement and applicable law.

 

You agree to sign the Card immediately after you receive it. The Card is valid during the dates shown on the front. The Card is our property and you agree to return it to us or destroy it, if we ask. You agree to take reasonable steps to prevent the unauthorized use of your Card and Account.

 

We are not responsible to you if someone refuses to accept your Card for any reason. We may reject any transaction for any reason. We may limit the combined dollar amount or the total number of certain Account transactions allowed during a single day or other time periods. We may restrict or delay the availability of Account credit, to protect you and us against potential fraud, unauthorized transactions, Account misconduct or misuse, or for other risk management reasons. We will not be liable to you if this happens. Except as otherwise required by applicable law or regulation, we will not be responsible for merchandise or services purchased or leased through the use of any Card or the Account.

 

You agree not to use, try to use, or permit use of the Card or Account for any Internet gambling transactions or any other transactions that are illegal or not permitted by us. Even if you do, you must still pay us for these transactions and they remain subject to all other terms of our Agreement. You must reimburse the Payment Card Network and us for all damages and expenses associated with these transactions.

From time to time, Account services may be unavailable to you , due to circumstances beyond our control, such as system failures, fires, floods, natural disasters or other unpredictable events. When this happens, you may be unable to use your Card or obtain Account information. We will not be responsible or liable to you if this happens.

 

 

Using a PIN

 

We may give you a personal identification number (“PIN”). For security reasons, you may have to provide the PIN before you are able to complete some transactions using the Card. With a PIN, you may, if enabled by us, use your Card to obtain cash from certain automated teller machines (“ATM”) or make Purchases at certain merchant point-of-sale devices (“POS”). Where enabled, you may do these things if the ATM or POS requires entry of a PIN and displays the logo of the Payment Card Network on your Card. We will treat any allowed ATM transactions as Cash Advances and all POS transactions as Purchases. Keep your PIN secure and do not write it down, give it to anyone, or keep it with your Card. If you lose your Card or believe someone has gained unauthorized access to your PIN, you must contact us immediately.

 

Statements and Billing Cycles

 

The documents or information we provide after each Billing Cycle through your Statement will disclose important information about your Account, including your Account transactions, payments, Fees, Interest Charges, unpaid balances in each Balance Category, and payment requirements. The intervals of time between your regular Statements (each, a “Billing Cycle”) are generally equal (approximately 30 days), but may vary slightly in length. Your first Billing Cycle may be more or less than 30 days. You must pay any Minimum Interest Charge and any Fees due after your first Billing Cycle, even if it is for a period less than 30 days. Your Statements disclose the specific length of each Billing Cycle. Your Account will continue to have Billing Cycles, even if a Statement is not required after any Billing Cycle.

 

We will send a single Statement to you for all Cards on your Account, except when we are not required or permitted by law to send a Statement. We will send a Statement at the end of each Billing Cycle when your Account has a debit or credit balance of more than $0.01, if we have charged any Interest Charges to your Account, or as otherwise required by law.

 

Disputed Transactions

 

You must promptly inspect each Statement you receive and tell us about any errors or questions you have, as described in the “Billing Rights” section of your Statement and this Agreement. If you do not notify us as provided in these disclosures, we may assume that all information in the Statement is correct. If you dispute a transaction made by you or someone else on your Account, and we later credit your Account for all or part of the disputed amount, you agree to:

 

•                    Give us all of your rights against that other person;

 

•                    Give us any merchandise or other purchases you received in connection with the disputed amount, if we ask;

 

•                    Not pursue any claim or reimbursement from the merchant and other person; and

 

•                    Help us pursue and obtain reimbursement from the merchant and that other person, by promptly returning documents with any signatures we may request and otherwise providing us with reasonable cooperation.

 

No Warranties

 

Except as otherwise provided in the “Billing Rights” section of your Statements and this Agreement, we are not responsible for any claim you might have regarding the Purchases of goods or services made with your Card from any merchant or vendor.

 

 

Lost or Stolen Cards; Unauthorized Use; Replacement Cards

For Consumers: You must take reasonable steps to prevent the unauthorized use of your Card and Account. If you notice the loss or theft of your Card, or a possible unauthorized use of your Card, you should write to us immediately at the address provided on your Statement or call us at the telephone number provided on your Statement. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50 (or any lesser amount required by law or as provided under the express terms of a benefit provided by a Payment Card Network). If we reimburse your Account for unauthorized charges made using your Card, you agree to help us investigate, pursue and obtain reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable to us. Unless canceled, a Card will be valid through the expiration date which is printed on the Card. We may replace a Card at any time and we may continue to issue renewal or replacement Cards until you notify us to cancel the Account.

 

 

You are responsible for canceling any lost, misused or stolen Cards, Cards or the Account that you suspect may have been the subject of fraud, unauthorized use or misuse, whether as a result of termination of employment or otherwise. You are responsible for retrieving the canceled Card and destroying it to prevent further use. You may also cancel a Card calling our customer service center. You understand that we will require a reasonable amount of time to act on any request made by telephone.

 

You will not be liable for any unauthorized use of your Card after you notify us orally or in writing of the loss, theft, or possible unauthorized use and you meet the following conditions: (1) you have exercised reasonable care with the Card; (2) you have not reported two or more incidents of unauthorized Card use within the previous 12 months; and (3) you have maintained your Account(s) in good standing. The foregoing liability limitation does not apply to ATM cash advance transactions. In any case, your maximum liability for unauthorized use of a Card will not exceed $50 and you will not be liable for any unauthorized use that occurs after you notify us (or our designee) at the address or telephone number above.

 

 

Credit Limits

 

Provided you maintain sufficient collateral to cover a Purchase,  Space Labs d.o.o. doesn’t usually limit how much you can spend on your Account but sometimes  Space Labs d.o.o. may set a spending limit. The limit could be temporary or permanent.  Space Labs d.o.o. will tell you if we do this but we won’t always notify you in advance.   Space Labs d.o.o. may set and vary limits and restrictions on certain uses of the Card or certain transactions. For example, contactless purchases may have their own limits.

 

Interest Charges

 

We may charge Interest Charges to your Account as shown in the Agreement, including your Account Opening Disclosures and Statements.

 

We figure the Interest Charges on your Account by applying a Daily Periodic Rate to an “Average Daily Balance” of each Balance Category in your Account.

 

To get the “Average Daily Balance,” we take the beginning balance of your Account each day (including any previously billed and unpaid transactions, Interest Charges and Fees), add any new Fees and  Account transactions (including Purchases, Special Offers, or debit adjustments), and then subtract any unbilled Interest Charges and any payments or credits. This gives us the “Daily Balance” in each Balance Category. Then, we add up all the Daily Balances in each Balance Category for the Billing Cycle and divide the total by the number of days in the Billing Cycle. This gives us the “Average Daily Balance.” Your Statements disclose the “Average Daily Balance” of each Balance Category as the “Balance Subject To Interest Rate.”

 

Interest Charges begin to accrue from the earlier of the date of the transaction, the date the transaction is processed and first posts to your Account, or the first day of the Billing Cycle, except as prohibited by law or as otherwise described in the Agreement. Interest Charges accrue on each unpaid amount until it is paid in full. Billed and unpaid Interest Charges are added to the proper Balance Category of your Account.

 

We will not assess Interest Charges during a Billing Cycle for any new Purchases made during that Billing Cycle, if you pay the previous month’s New Balance in full by its payment due date or if your previous month’s New Balance was zero or a credit amount. Each month that you pay your “New Balance” in full by the payment due date. If you have been paying your Account in full with no Interest Charges applied to Purchases, and you do not pay the next New Balance of your Account in full, we will assess prorated Interest Charges on the unpaid balance of your Purchases, as permitted or required by law. There is no grace period on any new Purchase transaction when there is an unpaid balance from a previous Statement. A Special Offer transaction is not subject to a grace period, unless the terms we provided with the Special Offer expressly state that these transactions are subject to a grace period.

 

To determine the “Daily Periodic Rate” that applies to each Balance Category, we divide the corresponding Annual Percentage Rates by the number of days in a year. The resulting Daily Periodic Rate is carried three places past the decimal point and the last digit is rounded. We calculate your total Interest Charges by multiplying the Average Daily Balance of each Balance Category by its Daily Periodic Rate and then multiplying the result by the number of days in the Billing Cycle. This calculation may vary slightly from the Interest Charges we actually charge after a Billing Cycle, due to the effects of rounding or as a result of any Minimum Interest Charge that applies.

 

Your Account Opening Disclosures disclose the Daily Periodic Rates and the corresponding Annual Percentage Rates that apply to each Balance Category. Your Account Opening Disclosures disclose the Minimum Interest Charges that will be due if any Balance Category of your Account is subject to Interest Charges after a Billing Cycle. Your Account Opening Disclosures also disclose which Annual Percentage Rates and Daily Periodic Rates may vary from Billing Cycle to Billing Cycle, based on changes to a published index rate. These Account Opening Disclosures identify the index rate we use, and the different margins we add to the index rate to determine the variable Annual Percentage Rates.

 

Fees

 

You must pay the following Fees we charge to your Account, in the amounts shown on your Account Opening Disclosures, shown in this Agreement, or disclosed to you at the time you ask us to provide particular services to you or on your behalf.

 

Annual Fee: We may charge you this Fee for making the Account available and issuing Cards to you. We will post and treat this Fee as a Purchase transaction.

 

Late Payment Fee: We may charge you this Fee if we do not receive your payment in time to credit it by the due date shown on your Statement. We will post and treat this Fee as a Purchase transaction.

 

Returned Payment Fee: We may charge you this Fee each time any payment you make to us is not paid by your financial institution for any reason, even if that institution later pays it. We will post and treat this Fee as a Purchase transaction.

 

Copying Fee: We may charge you a Fee of $10.00 for each copy of a transaction document or a Statement you request, unless they are required to resolve a billing dispute. We will post and treat this Fee as a Purchase transaction.

 

Fees for Faster Payment Services: We may make services available that allow you to make faster payments through a customer service representative using a telephone, the Internet or other payment system. We will describe the terms for using these services before you use them. You do not have to use these other payment services, and we may charge you a Fee for using them. If we do, we will tell you the amount of the Fee at the time you request the service. We are not responsible if a payment made using our payment services is rejected or not paid. Even if it is, we may still keep the Fee. We will post

and treat these Fees as a Purchase transaction.

 

Foreign Transaction Fee: We may charge you this Fee each time you make a transaction in a foreign currency or make a transaction in a country outside the United States. This Fee will post to the same Balance Category as the transaction (for example, as a Purchase), and be treated as other transactions that post to this Balance Category.

 

 

Transactions Made in Foreign Currencies

 

If you make a transaction in a foreign currency, the Payment Card Network will convert it into a U.S. dollar amount. The Payment Card Network will use its currency conversion procedures in effect when it processes the transaction. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. We do not currently adjust the currency exchange rate.

 

Making Payments

 

You are responsible for payment in full of all transactions and fees identified on your Statement at the end of each Billing Cycle. You make a payment to  Space Labs d.o.o. through any means permitted by  Space Labs d.o.o. as disclosed when you log into your Account. You agree to follow the payment requirements we disclose on Statements from time to time.

 

If your due date occurs on a day on which we do not receive payments, any payment received the next day that conforms to the above requirements will not be treated as late. Please allow at least five (5) days for postal delivery. Unless we or our agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other form may not be credited for up to five

(5) days. This may cause you to be charged Late Payment Fees and additional Interest Charges.

 

If you give your Account number or other Account information to someone else to make a payment for you, we may provide Account information to them and process their payment as if you made it. We may refuse to accept any payment made by someone else for your Account. If we accept a payment made by someone else for your Account, you will be responsible for the payment made, even if that payment is rejected or not paid.

 

Collateral

 

Either your primary linked wallet or any additional wallets may provide the collateral that will secure the charges made by you on any Card (the “Collateral”). The Collateral will be in the form of a digital asset.   Space Labs d.o.o. reserves the right to designate which forms of digital assets may be used as Collateral, and reserves the right to decline a form of Collateral if it does not meet its updated policies, guidelines, or our requirements. 

 

 In addition, you authorize Space Labs d.o.o. to liquidate Collateral pursuant to this section in the event of a “Liquidation Event.” A “liquidation event” will occur at a period set by Space Labs d.o.o., b) within 12 hours of each Purchase you make with a Card, at our discretion for the amount of the approved Purchase; c) if you fail to make a payment of the full amount owed to   Space Labs d.o.o.  within 21 calendar days of the due date on your Statement provided to you; or d) the Market Value of your Collateral drops below the value of the existing charges on your   Space Labs d.o.o.  card(s) and you do not add additional collateral. 

 

 “Market Value” of the Collateral will be determined by   Space Labs d.o.o.  using the net redemption value provided by a centralized stablecoin issuer and/or the real time price posted on a reputable and recognized exchange or price aggregator, or by reference to a price oracle, subject to   Space Labs d.o.o. ’s sole discretion. You agree that the market value of your collateral is determined solely by   Space Labs d.o.o.  through the above methods. You further agree that the Market Value is determined at the time of a Liquidation Event and any change in or fluctuation in value of the collateral before or after a Liquidation Event will have no bearing on obligations owed to   Space Labs d.o.o. . 

 

You, through one or more of your linked wallet or additional wallets, will be required to post Collateral that has Market Value in United States Dollars (“USD”) equal to each dollar that is charged to all of your Card. For example, if you provide Digital Assets with a Market Value equal to $100 of value in USD, and that Market Value does not change, your spending limit will be equal to $100 USD. Once $100 USD has been charged to your Card, you will be required to provide additional Collateral for any incremental Charges. If the Market Value of your collateral goes down below $100 USD, and you have $100 USD in charges, you may be subject to a Liquidation Event. If the Market Value of your collateral is subject to a liquidation event when the Market Value is below your existing charges, you still owe us any difference between the USD value of the charges, and the USD value of the collateral at the time of Liquidation. 

 

The Collateral will be owned by you at all times and held in your custody within one or more smart contracts on the Supported Blockchains.   Space Labs d.o.o.  will only have access to the Collateral during or after a Liquidation Event. Once a Liquidation Event occurs, the Collateral will be foreclosed and liquidated by the smart contract in order to repay the outstanding balance on your Card. You authorize   Space Labs d.o.o.  and its designees to foreclose and/or liquidate the Collateral upon a Liquidation Event and use the amounts to satisfy your payment obligations owed to   Space Labs d.o.o. . You agree that   Space Labs d.o.o.  will not be required to notify you prior to such liquidation and you acknowledge and agree that, because of the nature of the blockchain technology and smart contract infrastructure,   Space Labs d.o.o.  may not be in a position to stop a liquidation from occurring. 

 

 To withdraw your Collateral, you must provide   Space Labs d.o.o.  at least (3) business days prior notice. You agree that any Collateral that has been provided within the (3) business days of your notice to us may be subject to liquidation. Your withdrawal of any Collateral will not terminate any outstanding payment obligations you may have on your Card.

 

   Space Labs d.o.o.  will not, in any circumstance, be holding custody of your Collateral.   Space Labs d.o.o.  is not a custodian or owner of your Collateral. If a Liquidation Event occurs, only the amount required to repay your outstanding financial obligations to   Space Labs d.o.o.  will be liquidated from your Collateral. Any unencumbered Collateral balances shall remain freely accessible. You authorize and consent to   Space Labs d.o.o.  liquidating the Collateral upon a Liquidation Event through a third party or by other means in order to satisfy payment obligations owed by you to   Space Labs d.o.o. , the Issuer or other third party, as applicable.  

 

FOR CONSUMERS: FOR YOUR CONVENIENCE, OUR SERVICE IS STRUCTURED TO INTITIATE REPAYMENTS VIA PREAUTHORIZED TRANSFERS FROM A LINKED ACCOUNT, HOWEVER,   Space Labs d.o.o.  DOES NOT CONDITION ITS EXTENSION OF CREDIT ON A CONSUMER’S REPAYMENT BY PREAUTHORIZED ELECTRONIC FUND TRANSFERS. ACCORDINGLY, YOU MAY OPT-OUT OF PREUATHORIZED ELECTRONIC FUND TRANSFERS BY CONTACTING CUSTOMER SERVICE AT [*].

 

Payment Processing

 

We may accept and process payments without losing any of our rights. Even if we credit your payment to your Account, we may delay the availability of Account credit until we confirm that your payment has cleared. We may resubmit and electronically collect returned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues.

 

An “Item” means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes any image of these instruments. When you provide an Item as payment, you authorize us either to use information from your Item to make a one time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your Item to make an electronic funds transfer, funds may be withdrawn from your deposit account as soon as the same day your payment is received and you will not receive your Item back from your financial institution. You may contact us and ask that we not process your future Items in this way. If we process the payment as a check transaction, you understand and agree that we may convert your Item into an electronic image that can be collected from your depository institution as a substitute check. We will not be responsible if an Item you provide has physical features that, when imaged, result in it not being processed as you intended.

 

Items with Restrictive Words, Conditions or Instructions

 

All Items that have restrictive words, conditions, limitations or special instructions added (including Items marked with the words “Paid in Full” or similar language), and all accompanying communications, must be mailed to and received at: support@spacelabs.world. If you make your payment or send any accompanying communications to any other address, we may accept and process the payment, without losing any of our rights.

 

Credit Balances

 

We may reject and return to you any payment that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that your payment has cleared. We may reduce the amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on your Statement and request a refund of any available credit balance. If you contact us in writing, we will refund your credit balance within seven (7) business days from our receipt of your written request. A business day means any day in which our offices are open for the processing of Account payments and credits.

 

Account Default

 

We may consider you in default of your Agreement with us if:

 

•                    you do not make any payment when it is due;

 

•                    any payment you make is rejected, not paid or cannot be processed;

 

•                    in the event of a Liquidation Event;

 

•                    a bankruptcy or other insolvency proceeding is filed by or against you;

 

•                    you die or are legally declared incompetent or incapacitated;

 

•                    we determine that you made a false, incomplete or misleading statement on any of your Account documentation, or you otherwise tried to defraud us;

 

•                    you do not comply with any term of this Agreement or any other agreement with us; or

 

•                    you permanently reside outside the United States.

 

Paying the Interest Charges and Fees charged in connection with a default will not, by itself, cure the default. If you are in default, we may take the following actions without notifying you, unless the law says that we must notify you:

 

•                    close or suspend your Account;

 

•                    demand that you immediately pay the entire balance owing on your Account;

 

•                    continue to charge you Interest Charges and Fees as long as your balances remain outstanding; and/or

 

•                    pursue any other action against you that the law allows, which includes the filing of a lawsuit against you.

 

•                    You agree to pay us all of our collection expenses, attorneys’ fees, and court costs, unless the law does not allow us to collect these amounts.

 

Communications

 

We may contact you from time to time about your Account. We may contact you in any manner we choose, unless the law says that we cannot. For example, we may:

 

•                    contact you by mail, telephone, email, fax, recorded message, text message or personal visit;

•                    contact you using an automated dialing or similar device (“Autodialer”);

•                    contact you at your home and at your place of employment;

•                    contact you on your mobile telephone;

•                    contact you at any time, including weekends and holidays;

•                    contact you with any frequency;

•                    leave recorded and other messages on your answering machine/service and with others; and

•                    identify ourselves, your relationship with us, and our purpose for contacting you, even if others might hear or read it.

 

Our contacts with you about your Account are not unsolicited and may result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law prohibits us from doing so, we may modify or suppress caller identification and similar services, and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave recorded and other messages. We may do these things, whether we contact you or you contact us. If you ask us to discuss your Account with someone else, you must provide us with documents and authorization that we ask for and that are acceptable to us.

 

Credit Reports

 

We may provide information about you and the Account to consumer credit reporting agencies. We may also provide information about you and the Account to others as described in our Privacy Notices.

 

Information we provide might appear on credit reports about you . This could include negative information, if you do not comply with the terms of this Agreement. We may obtain and use credit and income information about you from consumer credit reporting agencies and others as the law allows. If you believe we have reported inaccurate information about you to a credit reporting agency, notify us in writing at: support@spacelabs.world. In doing so, identify yourself, your Account, the information you believe is inaccurate, and tell us why you believe the information is incorrect. If you have supporting documents or information, such as a copy of a credit report that includes information you believe is inaccurate, send us the supporting documents and information, too.

 

Closing or Suspending Your Account

 

You may ask us to close your Account by calling or writing us as described on your Statement. If you do, we may provide you with additional details about this process and request certain information from you, including payment information. If you use your Card or charges post to your Account after you ask us to close it, we may keep your Account open or reopen it. We may close or suspend your Account and your right to obtain credit from us. We may do this at any time and for any reason, as permitted by law, even if you are not in default. A suspension of your Account might be permanent or temporary.

 

If your Account is closed or suspended for any reason, you must stop using your Card. You must also cancel all recurring charges or similar billing arrangements connected with the Account. We will not do this for you. If we close or permanently suspend your Account, you must also destroy all Cards.

 

You must still pay us all amounts you owe on the Account, even if these amounts are charged after your Account is closed or suspended.

 

Changes to Your Agreement

 

You may not change the Agreement, unless one of our authorized officers expressly agrees to do so in a signed writing. We may, at any time, add, delete or change any term of this Agreement, unless the law prohibits us from doing so. We will give you any notice and wait any time period required by law before the changes take effect. If we notify you of changes, we will send you a separate notice or inform you on your Statement. We may send this notice to you electronically, as permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes.

 

All of the variable Annual Percentage Rates of your Account can go up or down in each Billing Cycle, as the published index for these rates goes up or down. If we increase your Interest Charges for any other reason, we will notify you in writing. If we increase your Fees or change other significant Account terms, we will notify you in writing and inform you of your options, including any right to reject these changes.

 

We may increase your Interest Charges for new Account transactions and your Fees after the first year of the Account. We may change any other terms of your Account at any time, after giving you any notice and waiting any period of time required by law. The Account Opening Disclosures describe the amount of the Penalty APR. if any.

 

The Law that Applies to Your Agreement

 

This Agreement will be interpreted using Puerto Rican law. Federal law will be used when it applies. You waive any applicable statute of limitations, as the law allows. Otherwise, the applicable statute of limitations period for all provisions and purposes under this Agreement (including the right to collect debt) will be the longer of the time period provided by Puerto Rico law or the law of the jurisdiction where you live. If any part of this Agreement is found to be unenforceable, the remaining parts will remain in effect.

 

Waiver

 

We will not lose any of our rights if we delay taking any action for any reason or if we do not notify you. For example, we may waive your Interest Charges or Fees without notifying you and without losing our right to charge them in the future. We may always enforce our rights later and may take other actions not listed in this Agreement if the law allows them. You do not have to receive notice from us of any waiver, delay, demand or dishonor. We may proceed against you before proceeding against someone else.

 

Assignment

 

This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agreement to someone else without our written permission. We may transfer your Account and this Agreement to another company or person at any time, without your permission and without prior notice to you. If we do, they will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us. If you pay us after you are informed or learn that we have transferred your Account or this Agreement, we can handle your payment in any way we think is reasonable. This includes returning the payment to you or forwarding the payment to the other company or person.

 

Amendments

 

We reserve the right to amend this Agreement at any time, by adding, deleting, or changing provisions of this Agreement. All amendments will comply with the applicable notice requirements of federal and state law that are in effect at that time.

 

 

 Dispute Resolution and Arbitration

 

PLEASE READ THIS "DISPUTE RESOLUTION AND ARBITRATION" PROVISION VERY CAREFULLY. IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND SPACE LABS D.O.O.

 

Binding Arbitration

 

(a) You and   Space Labs d.o.o.  agree that any and all past, present and future Disputes (defined below) shall be determined by arbitration, unless your Dispute is subject to an exception to this agreement to arbitrate set forth below. You and   Space Labs d.o.o.  further agree that any arbitration pursuant to this section shall not proceed as a class, group or representative action. The award of the arbitrator may be entered in any court having jurisdiction. “Dispute” means any dispute, claim, or controversy between you and   Space Labs d.o.o.  that arises out of or relates to (i) this Platform Agreement (including any addenda hereto or other terms incorporated herein by reference), (ii) the breach, termination, enforcement, interpretation or validity hereof, including the determination of the scope or applicability of the agreement to arbitrate hereunder, or (iii) any Services (including, without limitation, the   Space Labs d.o.o.  Card).

 

 

 (b) This agreement to arbitrate shall be construed under and be subject to the Federal Arbitration Act, notwithstanding any other choice of law set out in this Agreement.

Arbitration Procedure

 

(a) Before filing a claim against   Space Labs d.o.o., you agree to try to resolve the Dispute informally by providing written notice to   Space Labs d.o.o.  of the actual or potential Dispute. Similarly, Space Labs d.o.o.  will provide written notice to you of any actual or potential Dispute to endeavor to resolve any claim we may possess informally before taking any formal action. The party that provides the notice of the actual or potential Dispute (the "Notifying Party") will include in that notice (a "Notice of Dispute") the name of Company, the Notifying Party’s contact information for any communications relating to such Dispute, and sufficient details regarding such Dispute to enable the other party (the "Notified Party") to understand the basis of and evaluate the concerns raised. If the Notified Party responds within ten (10) business days after receiving the Notice of Dispute that it is ready and willing to engage in good faith discussions in an effort to resolve the Dispute informally, then each party shall promptly participate in such discussions in good faith.

 

 (b) If, notwithstanding the Notifying Party’s compliance with all of its obligations under the preceding paragraph, a Dispute is not resolved within thirty (30) days after the Notice of Dispute is sent (or if the Notified Party fails to respond to the Notice of Dispute within ten (10) business days), the Notifying Party may initiate an arbitration proceeding as described below. If either party purports to initiate arbitration without first providing a Notice of Dispute and otherwise complying with all of its obligations under the preceding paragraph, then, notwithstanding any other provision of this Platform Agreement, the arbitrator(s) will promptly dismiss the claim with prejudice and will award the other party all of its costs and expenses (including, without limitation, reasonable attorneys’ fees) incurred in connection with such Dispute.

 

(c) You and   Space Labs d.o.o.  each agree to resolve any Disputes that are not resolved informally as described above through final and binding arbitration as discussed herein, except as set forth under Section 12.3 below. You and   Space Labs d.o.o.  agree that the American Arbitration Association ("AAA") will administer the arbitration under its Commercial Arbitration Rules (the "Rules"). The Rules are available at www.adr.org or by calling the AAA at 1-800-778-7879. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. (The AAA provides a general Demand for Arbitration.) Arbitration will proceed on an individual basis and will be handled by a sole arbitrator. The single arbitrator will be either a retired judge or an attorney licensed to practice law and will be selected by the parties from the AAA’s roster of arbitrators. If the parties are unable to agree upon an arbitrator within fourteen (14) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules. The arbitrator(s) shall be authorized to award any remedies, including injunctive relief, that would be available to you in an individual lawsuit, subject to any effective and enforceable limitations of liability or exclusions of remedies set forth herein. Notwithstanding any language to the contrary in this paragraph, if a party seeks injunctive relief that would significantly impact other   Space Labs d.o.o.  users as reasonably determined by either party, the parties agree that such arbitration will proceed on an individual basis but will be handled by a panel of three (3) arbitrators. Each party shall select one arbitrator, and the two party-selected arbitrators shall select the third, who shall serve as chair of the arbitral panel. That chairperson shall be a retired judge or an attorney licensed to practice law and with experience arbitrating or mediating disputes. In the event of disagreement as to whether the threshold for a three-arbitrator panel has been met, the sole arbitrator appointed in accordance with this Section shall make that determination. If the arbitrator determines a three-person panel is appropriate, the arbitrator may — if selected by either party or as the chair by the two party-selected arbitrators — participate in the arbitral panel. Except as and to the extent otherwise may be required by law, the arbitration proceeding and any award shall be confidential. 

 (d) You and   Space Labs d.o.o.  further agree that the arbitration will be held in the English language in New York, New York, or, if you so elect, all proceedings can be conducted via videoconference, telephonically or via other remote electronic means. 

 

(e) Filing costs and administrative fees shall be paid in accordance with the AAA Rules; provided that the prevailing party will be entitled to recover its reasonable attorneys’ fees, expert witness fees, and out-of-pocket costs incurred in connection with the arbitration proceeding, in addition to any other relief it may be awarded. 

 (f) You and  Space Labs d.o.o.   agree that, notwithstanding anything to the contrary in the Rules, the arbitration of any Dispute shall proceed on an individual basis, and neither you nor   Space Labs d.o.o.  may bring a claim as a part of a class, group, collective, coordinated, consolidated or mass arbitration (each, a "Collective Arbitration"). Without limiting the generality of the foregoing, a claim to resolve any Dispute against   Space Labs d.o.o.  will be deemed a Collective Arbitration if (i) two (2) or more similar claims for arbitration are filed concurrently by or on behalf of one or more claimants; and (ii) counsel for the claimants are the same, share fees or coordinate across the arbitrations. "Concurrently" for purposes of this provision means that both arbitrations are pending (filed but not yet resolved) at the same time.

 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YOU NOR   Space Labs d.o.o.  SHALL BE ENTITLED TO CONSOLIDATE, JOIN OR COORDINATE DISPUTES BY OR AGAINST OTHER INDIVIDUALS OR ENTITIES, OR ARBITRATE OR LITIGATE ANY DISPUTE IN A REPRESENTATIVE CAPACITY, INCLUDING AS A REPRESENTATIVE MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. IN CONNECTION WITH ANY DISPUTE, ANY AND ALL SUCH RIGHTS ARE HEREBY EXPRESSLY AND UNCONDITIONALLY WAIVED. Without limiting the foregoing, any challenge to the validity of this paragraph shall be determined exclusively by the arbitrator.

Small Claims

 

Notwithstanding your and   Space Labs d.o.o. ’s agreement to arbitrate Disputes, You and   Space Labs d.o.o.  retain the right to bring an individual action in small claims court.

 

Class Waiver 

 

To the extent applicable law permits, any dispute arising out of or relating to this Platform Agreement, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. Notwithstanding any other provision of this Platform Agreement or the AAA Rules, disputes regarding the interpretation, applicability, or enforceability of this class waiver may be resolved only by a court and not by an arbitrator. If this waiver of class or consolidated actions is deemed invalid or unenforceable, neither party is entitled to arbitration.

 

No Jury Trial

 

If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to this Platform Agreement.

Venue and Jurisdiction for Judicial Proceedings

 

Except as otherwise required by applicable law or provided in this Platform Agreement, in the event that the agreement to arbitrate is found not to apply to you or your Dispute, you and   Space Labs d.o.o.  agree that any judicial proceeding may only be brought in a court of competent jurisdiction in Puerto Rico. Both you and   Space Labs d.o.o.  irrevocably consent to venue and personal jurisdiction there; provided that either party may bring any action to confirm an arbitral award in any court having jurisdiction.

Confidentiality

 

The existence of and all information regarding any Dispute will be held in strict confidence by the parties and will not be disclosed by either party except as reasonably necessary in connection with the conduct of the arbitration or the confirmation or enforcement of any arbitral award. Any such permitted disclosure will, to the maximum extent reasonably practicable, be made subject to obligations of confidentiality at least as stringent as the provisions of this paragraph. If any disclosure of information regarding any Dispute is required under applicable law, the parties shall reasonably cooperate with one another to obtain protective orders or otherwise to preserve the confidentiality of such information.

 

Survival

 

This agreement to arbitrate shall survive the termination or expiration of this Platform Agreement. With the exception of the provisions of this agreement to arbitrate that prohibit Collective Arbitration, if a court decides that any part of this agreement to arbitrate is invalid or unenforceable, then the remaining portions of this agreement to arbitrate shall nevertheless remain valid and in force. In the event that a court finds the prohibition of Collective Arbitration to be invalid or unenforceable, then the entirety of this agreement to arbitrate shall be deemed void (but no provisions of this Platform Agreement unrelated to arbitration shall be void), and any remaining Dispute must be litigated in court pursuant to the preceding paragraph.

 

Your Billing Rights: Keep This Document For Future Use       

 

This notice is for Consumers using the Card Account and tells you about your rights and our responsibilities under the Fair Credit Billing Act.

 

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at: support@spacelabs.world

In your letter, give us the following information:

•                    Account information: Your name and account number.

•                    Dollar amount: The dollar amount of the suspected error

Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

 

You must contact us:

 

•                    Within 60 days after the error appeared on your statement.

 

•                    At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

 

What Will Happen After We Receive Your Letter

 

When we receive your letter, we must do two things:

 

•                    Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.

 

•                    Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

 

While we investigate whether or not there has been an error:

 

•                    We cannot try to collect the amount in question, or report you as delinquent on that amount.

 

•                    The charge in question may remain on your statement, and we may continue to charge you interest on that amount.

 

•                    While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

 

•                    We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen:

•                    If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.

 

•                    If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

 

To use this right, all of the following must be true:

 

•                    The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)

 

•                    You must have used your credit card for the purchase. Purchases made with cash advances from an ATM do not qualify.

 

 

•                    You must not yet have fully paid for the purchase.

 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: support@spacelabs.world

 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

 

Indemnity:

 

You will indemnify and defend each of  Space Labs d.o.o. and Issuer, and their affiliates, and their respective partners, directors, officers, employees, agents, trustees, administrators, managers, advisors, and representatives (each an “Indemnitee”) against, and hold each Indemnitee harmless from, any and all claims, litigation, investigations, proceedings, losses, damages, fines, penalties, liabilities, settlements, costs, fees, and expenses incurred by any Indemnitee or asserted against any Indemnitee by any person: (1) arising out of, in connection with, related to, or as a result of, a breach by you or by any Company Administrator or Company User of any of the representations, warranties, covenants, or agreements contained in these Card Terms, the User Terms, any terms applicable to any Third Party Provider or any other agreements with any Issuing Partner or that otherwise relate to the Services or the use of the SpaceLabs Card; (ii) for amounts owed by Company to third parties; (iii) for acts or omissions of Company Administrators, Company Users, or other Company employees or agents; (iv) for Company’s use of the Services; or (v) for disputes over charges between Company and merchants. Space Labs d.o.o. and Issuer may defend any claim subject to indemnification hereunder, using counsel of its choice, and you will pay or promptly reimburse Rain for the reasonable fees of such counsel and all related costs and reasonable expenses

If you are a user from a jurisdiction that does not allow the certain indemnification obligations, you agree that the foregoing section titled “Indemnity” is intended to be as broad as permitted under the laws of such jurisdiction. If any portion of this section is held to be invalid under the laws of such jurisdiction, the invalidity of such portion will not affect the validity of the remaining portions of the applicable sections.