Terms and Conditions for Using the Pago Application

Last updated: 07.04.2026

Preamble

Welcome to the Pago software application (the "Pago App" or the "Application"), available for download from the Apple App Store and Google Play, or on the website identified with URL address www.pago.app/it (the "Site"). Accessing the Pago App, this Site, as well as using the services provided through the Site, takes place after you have been informed of the existence of the terms and conditions listed below (the "Terms") and, in the case of accessing the Application, offered the possibility to expressly accept them. In the absence of such explicit or implicit acceptance, you may not use the Pago App and/or the Site.

These Terms are intended to explain to you as clearly and transparently as possible the way you may use the Pago App. As such, the document is subject to continuous modifications — we recommend you consult this document regularly to stay informed about the latest version. Users will be informed of amendments to the Terms at least 15 (fifteen) days in advance of their entry into force, in accordance with Section 6 of the Terms.

1. Definitions

In this document, the words in capitals have the following meanings:

"Account on Third Site" means the Users' accounts and the information found on other websites or other applications belonging to the Agreed Suppliers, other than the Pago App, over which the Company has no right and for whose functioning the Company may not be liable. Insofar as the Application may not connect to an Account from a Third Site, we recommend you verify whether the Third Party's Site presents connection problems before contacting the Company.
"Pago Application" or "Pago App" means the software application, in respect of which the Company (as defined below) is the holder of rights, through which the Users may make electronic payments online to various service suppliers, accessible for download on their mobile phones through Apple App Store and Google Play, directly, or through the Site, by redirection. For the purpose of these Terms, this definition applies irrespective of the modality of accessing the Pago Application.
"Subscription Fee" means the amount to be paid by the User for subscribing to the fee-based services offered by the Company through the Pago App, which may vary according to the subscription models the Company makes available within the App.
"Trial Period" means the 14 (fourteen) consecutive calendar days following the User's initial subscription to a Pago App fee-based service, during which the User may use that subscription without being charged the Subscription Fee. The Trial Period is described in Section 8.5 below.
"Consumer" means any natural person who intends to order, use or purchase goods, products or services primarily for personal, social, family, household and similar needs, not directly related to entrepreneurial or business activities, within the meaning of Clause 3 of D.Lgs. 206/2005 and/or falling within the meaning set forth in Article 1(2)(a) of Directive 1999/44/EC of the European Parliament and of the Council.
"Starting Date" means the day on which the User subscribes to a Pago App fee-based service, which is also the first day of the Trial Period.
"First Charge Date" means the day on which the Subscription Fee is first charged to the User's payment method, which is the day immediately following the end of the Trial Period.
"Personal Data" means any information relating to an identified or identifiable natural person, as defined in Article 4(1) of Regulation (EU) 2016/679 (the "GDPR").
"Agreed Supplier" means the legal entity included in the Pago App to which the Users may make payments through the functions of the Pago App. Agreed Suppliers are uploaded into the Application insofar as the Company or any of its collaborators has a contractual relationship with them in this regard.
"Personal Data Policy" means the privacy policy relating to the processing of the Users' Personal Data, adopted by the Company and available at www.pago.app/it/privacy.
"Professional" means the natural person or legal entity acting in the exercise of its entrepreneurial, commercial, craft or professional activity, or an intermediary under Article 3 of D.Lgs. 206/2005.
"Company", "We" or "Our" means Pago Italia S.r.l., a società a responsabilità limitata with registered office at Via Giuseppe Revere 16, Milan (MI), Italy; Codice fiscale / P.IVA / REA: 12955520965; registered at the Registro delle Imprese di Milano Monza Brianza Lodi; sole director (Amministratore Unico): Adrian Cighi.
"Payment Institution" means the independent regulated Italian Payment Institution with which the Company cooperates for the execution of certain payment operations (bill payments, utility top-ups, vouchers), as described in the Personal Data Policy.
"User" means any natural person who registers and uses the Pago App, accepting these Terms. The Pago App is intended for persons of full legal age under Italian law; for the minor-consent rule applicable to the information-society-service aspects of the Application, see the Personal Data Policy.

2. Using and functioning of the Pago App

2.1. The Company offers the User, based on the account created by the User, access to the Pago App through which the User may pay invoices, contributions and taxes, and may make other payments to the Agreed Suppliers.
2.2. The services provided through the Pago App are intended only for Users who accept these Terms and may be used only after accepting such Terms. The User acknowledges that by accepting these Terms, the User and the Company enter into a binding agreement at the terms and conditions stated herein (the "Agreement"). Where required by applicable law or by the request of any competent authority, as well as on the basis of suspicions of fraud or damage to its systems, the Company may ask any User to prove their legitimacy, by requesting additional information or documents. In this situation, the Company will not process any Personal Data contained in the additional information or documents except for the purpose of proving the legitimacy of the User.
2.3. Through the Pago App and/or the Site, the Company offers Users access to the following services: payment of invoices to Agreed Suppliers by: (i) configuring an Agreed Supplier in accordance with Section 2.4(f) below; (ii) scanning a bill received from a utility provider, provided they are an Agreed Supplier, without the configuration mentioned above. This second method is not applicable for suppliers not included in the list of Agreed Suppliers, with the exception of suppliers available to Users who have activated the Premium/Limitless versions and who have previously used the options described in Sections 8.2(d) and 8.3(d); and viewing the history of payments made to the Agreed Suppliers.
2.4. In order for a User to benefit from the above services in the best conditions, the User must follow a set of steps: (a) downloading the Pago App from Apple App Store or Google Play, on a phone compatible with the current version of the Pago App; the Company does not guarantee functioning of the Pago App on every mobile device; (b) creating a User account by filling in a form that contains the e-mail address, surname, name and password; the User is obliged to supply current and complete data; the purpose for which the Company requires and processes such information is described in the Personal Data Policy; (c) as an alternative to step (b), the User may use a third-party identity provider (Apple, Google, Facebook, LinkedIn) to connect to the Application, in which case the Company will process the data communicated by that identity provider; (d) accepting the Terms and confirming that the User has been informed of the content of the Personal Data Policy; these documents are accessible at any moment, for consultation, within the Pago App; (e) selecting at least one Agreed Supplier from the list available in the Pago App, organised by type of service (electricity, gas, water, sanitation, etc.), and introducing the connection data (account name and password) the User uses in their online account on the application/website of the Agreed Supplier — this step is optional if the User only uses the bill-scan payment method of Section 2.3(a)(ii); (f) configuring each consumption place associated with each Agreed Supplier selected and connected by the User in the Pago Application (home, parents' home, vacation home); (g) introducing the payment details (bank card) on which the payment of invoices and of the Subscription Fee is to be made; these details are processed within the Pago App in accordance with the Personal Data Policy; (h) where applicable, activating a fee-based subscription (Premium or Limitless) in accordance with Section 8 below.
2.5. Following the steps described above, the Company, by means of the Pago App, has access to and processes certain information existing in the electronic accounts of the Users registered on the applications/sites belonging to the Agreed Suppliers. The access and the processing take place in accordance with the Personal Data Policy.
2.6. While using the Pago App, the User has the possibility to: add or remove Agreed Suppliers from their account; add a bank card, either through the menu Settings → My cards, or by inserting the card details upon initiation of the first payment; change the bank card used for making payments; access the settings of the Pago App; send written requests or questions to the Company; configure the types of notifications received from the Pago App; set the payment-authentication method (numerical code or biometric); change the language in which the Pago App is displayed (Italian or English); view all invoices issued by the Agreed Suppliers in PDF format; change the subscription plan on which the App is used; and disconnect from the Pago App.
2.7. The User is responsible for keeping safe the identification and connection data associated with the User's account, to prevent or reduce the chances of unauthorised access to the account on the Pago App. For more information on this, please consult the Personal Data Policy.
2.8. If, while using the Pago App, the User notices any elements that could indicate inappropriate functioning, the User may report this to the Company by e-mail at supporto@pago.app or by accessing the "Say your opinion" section of the Pago App.
2.9. The User is entirely responsible for all operations made through the Pago App. In exchange, the Company guarantees that it processes the data generated by the User within the Pago App, including Personal Data, in accordance with the Personal Data Policy.
2.10. For the avoidance of any doubt, the Company is not liable for the accuracy of the information contained in the PDF invoices available within the Pago App belonging to the Agreed Suppliers — such as, without limitation, the amount owed and its due date, the description of the consumption place, or the holder of the agreement relating to the consumption place. For any clarifications or discrepancies related to such information, the Company will direct the User to the Agreed Supplier issuing the invoice.
2.11. If the Personal Data provided by the User when filling in the registration form is false, inaccurate or incomplete, the Company may — after becoming aware of such a fact directly or following a notification — cancel or suspend the account, in whole or in part, or refuse to supply any or all services available within the Pago App, insofar as the respective Personal Data cannot be rectified by the Company with the User's assistance.
2.12. In any case, the Company does not process Personal Data in a manner inconsistent with the Personal Data Policy.
2.13. In the history of payments relating to each Agreed Supplier, the User may consult the status of all invoices paid during the past 6 months, find the contact data of the customer-support departments of the Agreed Suppliers, and request re-transmission of a payment confirmation for any invoice previously paid through the Pago App. Re-transmission is sent to the User's e-mail.
2.14. The User can pay one invoice or several invoices at the same time, up to the maximum number of payments available monthly on the active subscription. Once that maximum is reached, when the User attempts another bill payment, the Application will display a message informing the User that the limit has been reached and suggesting activation of a higher subscription plan, together with the applicable Subscription Fee.
2.15. If the User has not yet added a bank card via Settings → My cards, upon initiation of the first payment the User will be asked for card details, which will then be saved by the card-payments processor used by the Company. Confirmation of payment is visually signalled in the Pago App and by a confirmation e-mail sent to the User.
2.16. The Company does not process, by any means, the bank card of any User except to facilitate access to such information by the card-payments processor. More details can be found in the Personal Data Policy.
2.17. We use third-party products to process the payments made from your account through the Pago App ("Payment Processors"). Processing the payments may be subject to the terms, conditions and confidentiality policies of the Payment Processors, in addition to these Terms.
2.18. We are not liable for any error that may occur in relation to the processing of such payments. The User agrees to make the payment using the method selected at the moment the payment is instructed.
2.19. The Company does not guarantee a particular interval between any of the operating steps of the Pago App. The Company may not be held liable for technical difficulties that might occur depending on the mobile device where the Pago App is running and the capabilities of that device. The Company welcomes User feedback, which may be sent to supporto@pago.app or through the "Say your opinion" section of the Pago App.
2.20. Notwithstanding the above, the User acknowledges and accepts that: the Site and the Pago App are provided in accordance with the Company's needs relating to scheduled or extraordinary maintenance work; the costs of connection to the Internet, and any related connection costs, are at the User's expense.

3. Accessing and updating accounts from third-party sites

3.1. By using the Pago App and accepting the Terms, the User expressly authorises the Company to access any of its Accounts on a Third Party's Site, on behalf of the User, in accordance with the Personal Data Policy.
3.2. By using the Pago App, the User may automate, in whole or in part, the payments authorised to the Agreed Suppliers. To optimise the use of the Pago App and to ensure that the payment amounts displayed in the Pago App are correct and complete, the Company periodically accesses and updates the information available about the User in the Accounts on Third Party's Sites.
3.3. Besides the purpose specified in Section 3.2, the Company will not use for any other purpose the information available about the User in an Account of a Third Site.
3.4. The User understands that, insofar as the information available about the User in Accounts on Third Sites is inconsistent, incomplete or inadequate, there is a possibility that the Pago App does not display correct, complete information regarding the invoices relating to the Agreed Suppliers. For the avoidance of any doubt, the Company is not liable for any wrong result caused by incorrect information about the User found in Accounts on Third Sites. The User is responsible for the constant updating of that information.

4. Authentication by biometric methods

4.1. Authentication by fingerprint or face recognition may be used on devices that incorporate such authentication — minimum iPhone 5S running iOS 8, and Android devices running version 6.0 or above. The Company does not process the biometric data stored on the User's device; those data serve only to activate algorithms in the Pago App that allow the identification of the User.
4.2. This type of authentication provides the degree of security allowed by the provider of the authentication solution. More details are available from Apple and Google documentation.
4.3. The Company makes no recommendation as to the use of any particular authentication type over another (PIN code, fingerprint, face recognition).
4.4. The User is exclusively liable for the use of biometric authentication and for the consequences of any unauthorised authentication using this method.

5. The recommendation feature

5.1. The Company will generate, for every User of the Pago App, a unique alphanumeric code associated only with that User, which the User may distribute to contacts from their phone's contact list. The User is not obliged to distribute this code, and distribution does not activate features otherwise unavailable to that User.
5.2. The User may receive, in relation to the activity of distributing the unique code, a number of Pago Points, provided that the following cumulative conditions are met: (a) the User distributes the unique code to a contact; (b) that contact installs the Pago App using the link containing the User's unique code; (c) following installation, the new User connects an Agreed Supplier and pays a bill issued by that supplier.
5.3. The unique code is available in the "Invite a friend in Pago" section and may be distributed to an unlimited number of contacts. For new Users who have taken the actions described in Section 5.2(a) and (b), the original User may see, in the "Invite your friends in Pago" section, the fact that the new Users have not yet paid a bill, and may send them a reminder.
5.4. The Pago Points scheme awards points to Users based on the User's subscription plan (base rate on the Free plan, with a 50% increase on Premium and a 2× multiplier on Limitless, as described in Section 8). Points may be redeemed in a future version of the Application for discounts or other benefits, which will be communicated to the User through an in-app announcement. The Company reserves the right to adjust the award ratios and redemption mechanics from time to time by giving the User prior notice in accordance with Section 6.

6. Changes to the Terms

6.1. The Terms may be modified by the Company. Each time the Company makes modifications, the User will be notified upon accessing the Pago App and will be asked for express consent to accepting the new Terms. Additionally, Users will be notified (via e-mail and in-app message) of amendments to the Terms at least 15 (fifteen) days in advance of their entry into force.
6.2. The Users may access, within the Pago App, the Terms in their latest version at any moment.
6.3. In the event the Company modifies the Terms during the period in which a User's subscription is ongoing, such modifications will only be applicable to that User from the first day after the expiration of the ongoing subscription period. The User will have the right to withdraw from this Agreement with effect from the day following the expiration of the ongoing subscription period. The User will also have the right to be reimbursed any Subscription Fee already paid in relation to subscription periods starting from the date the withdrawal takes effect.

7. Limitation of liability

7.1. The Company makes constant efforts to keep the Application in operation. Nevertheless, due to technical reasons or technical updates, it is possible that the Application does not function at certain moments. In such situations, the Company will communicate these aspects to the Users when they access the Application.
7.2. The Company does not assume liability in any situation for any damage caused directly or indirectly, or for any direct or indirect loss of profit, suffered as a result of the use or interruption of the services offered by the Pago App.
7.3. Payments made by means of the Pago App are processed according to the information from the notification displayed by the Application to the User after making the payment. Each payment is registered with the date on which the payment was made, irrespective of the date when the amount is collected by the recipient Agreed Supplier or by the Company (in the case of Subscription Fees). The Company will not be liable for any prejudice or damage that might occur due to delayed payments made through the Pago App or following inappropriate functioning of the Pago App, due to objective circumstances.
7.4. The Pago App makes available to the Users answers to frequent questions that may arise from using the Application. Users may contact the Company at any time to send questions about any aspect of the Application. The Company is not liable for prejudice caused by inappropriate use of the Pago App.

8. Subscriptions

The use of the Pago App may be free of charge or may require payment of a Subscription Fee, depending on the features the User wishes to activate.

8.1. Free Version

In the Free version of the Pago App, the User may make up to 2 bill payments per month.

8.2. Premium Version

In the Premium version of the Pago App, the User may:

(a) make up to 6 bill payments per month;
(b) benefit from all features available in the Free version;
(c) receive extra Pago Points (50% more — see Section 5);
(d) receive priority customer support.

8.3. Limitless Version

In the Limitless version of the Pago App, the User may:

(a) make an unlimited number of bill payments per month;
(b) benefit from all features available in the Premium version;
(c) receive double Pago Points (2×);
(d) have top priority for support and new-feature requests.

8.4. Subscription Fee

The subscription costs for the Italian market are:

(a) Free version: EUR 0.00;
(b) Premium version: EUR 47.99 per year (equivalent to approximately EUR 4.00 per month) or EUR 4.99 per month;
(c) Limitless version: EUR 124.99 per year (equivalent to approximately EUR 10.42 per month) or EUR 12.99 per month.

All prices are in Euro and include any applicable Italian VAT, where due.

8.5. Free Trial, billing cycle and cancellation

8.5.1. Trial Period (14 days, free of charge). When the User first subscribes to a fee-based version of the Pago App (Premium or Limitless), the first 14 (fourteen) calendar days beginning on the Starting Date constitute the Trial Period. During the Trial Period, the User may use all the features of the selected fee-based subscription without being charged the Subscription Fee. The User may cancel the subscription at any time during the Trial Period through the option Settings → My Subscription → Cancel Subscription, with the effect that no Subscription Fee will be charged and the fee-based features will cease to be available at the end of the Trial Period (or immediately, at the User's choice, reverting to the Free version).
8.5.2. First charge (day 15). Unless the User has cancelled during the Trial Period, the Subscription Fee for the chosen plan (monthly or yearly) is charged for the first time on the First Charge Date, that is, the day immediately following the end of the Trial Period, using the bank card registered by the User in the Pago App. Subsequent charges are made at the beginning of each billing cycle (monthly or annual, as selected by the User) on the corresponding anniversary date.
8.5.3. Billing rail — direct billing by the Company. The Subscription Fee is charged directly by the Company through the card-payments processor integrated into the Pago App (see Personal Data Policy). The Subscription Fee is not billed through the Apple App Store or the Google Play Store, and the relevant cancellation and billing options are found inside the Pago App (Settings → My Subscription), not in the User's iPhone Settings or Google Play account.
8.5.4. Cancellation after the Trial Period. The User may cancel the subscription at any time through Settings → My Subscription → Cancel Subscription. Upon cancellation after the Trial Period, the User retains access to the features of the paid plan until the end of the already-paid billing cycle (the current month for a monthly plan, or the current year for an annual plan). At the end of that billing cycle, the subscription will not renew, no further Subscription Fee will be charged, and the account will revert to the Free version. No pro-rata refund is issued for the remaining portion of the paid billing cycle, except where mandatory consumer-protection law provides otherwise.
8.5.5. Changes to the Subscription Fee. The Company may modify the Subscription Fee from time to time. Any change in the Subscription Fee will apply from the User's next billing cycle following the notice, and the User will be informed by both an in-app notification and an e-mail to the address associated with the account at least 30 (thirty) days before the change takes effect. If the User does not wish to accept the new Subscription Fee, the User may cancel the subscription in accordance with Section 8.5.4 before the change takes effect, with the effect that the User will continue to have access to the current plan until the end of the already-paid billing cycle.
8.5.6. Downgrades and upgrades. The User may at any time change the subscription plan (Free, Premium, Limitless) through Settings → My Subscription. An upgrade takes effect immediately, and the new plan's Subscription Fee is charged pro-rata for the remainder of the ongoing billing cycle (with the unused portion of the previous plan credited against the new charge) and in full at the start of each subsequent billing cycle. A downgrade takes effect at the end of the ongoing billing cycle; until then, the User retains access to the features of the previous (higher) plan, and no refund is issued for the unused portion.
8.5.7. Failed payment. If the Subscription Fee cannot be charged on the due date (for example because the card has expired or funds are insufficient), the Company will notify the User by in-app message and e-mail and will retry the charge within a reasonable period. If the charge still cannot be completed, the Company may suspend access to the fee-based features until payment is made, or downgrade the account to the Free version. No late-payment interest is charged.

9. Indemnification

9.1. To the fullest extent permitted by applicable law, the User agrees to indemnify, defend and hold harmless the Company, and its respective past, present and future employees, officers, directors, contractors, consultants, equity holders, suppliers, vendors, service providers, parent companies, subsidiaries, affiliates, agents, representatives, predecessors, successors and assigns, from and against all actual or alleged third-party claims, damages, awards, judgments, losses, liabilities, obligations, penalties, interest, fees and expenses (including, without limitation, litigation costs, costs of settlement and costs of pursuing indemnification and insurance), of every kind and nature, whether known or unknown, foreseen or unforeseen, matured or unmatured, or suspected or unsuspected, in law or equity, whether in tort, contract or otherwise, including but not limited to damages to property or personal injury, that are caused by, arise out of or are related to the User's use or misuse of the Site, the Pago App, or any other service governed by the Agreement.

10. Applicable law and dispute resolution

10.1. The Terms, as well as any contractual obligation deriving from or in relation to them, will be construed according to Italian law.
10.2. Any dispute related to the use of the Pago App or to these Terms shall first be addressed amicably. The Company, to facilitate mediation, will identify at least two public or private mediators with which it is willing to engage to attempt to reach an out-of-court settlement of any dispute arising in relation to the provision of the services, including complaints that cannot be resolved through the internal complaint-handling system. Mediators providing services from outside the European Union will be identified only where it is guaranteed that the use of those services does not deprive the Users of any legal protection offered to them under European Union law or the law of the Member States. The mediators must meet the criteria set out in Regulation (EU) 2019/1150. The Company and the User remain free to jointly identify any mediator of their choice after a dispute has arisen. In line with Directive 2008/52/EC, mediation is a voluntary process; the parties are in charge of the process and may start and terminate it at any time. The Company will examine in good faith requests to engage in mediation.
10.3. Any attempt to reach agreement through mediation shall not affect the parties' rights to initiate judicial proceedings at any time before, during or after the mediation process.
10.4. Any dispute related to the use of the Pago App and these Terms not settled through mediation shall be brought before the competent courts of the Company's registered seat. If the User is a Consumer and has their habitual residence in the European Union, they may benefit from the additional protections afforded by the mandatory rules of their country of residence.
10.5. Online Dispute Resolution (ODR) platform. Pursuant to Article 14 of Regulation (EU) 524/2013, Consumers resident in the European Union are informed that the European Commission provides an online platform for the out-of-court resolution of disputes relating to contractual obligations arising from online sales or service contracts. The ODR platform is accessible at: https://ec.europa.eu/consumers/odr/. Users wishing to make use of the ODR platform may indicate, as the Company's e-mail contact, supporto@pago.app.

11. Third-party websites

11.1. The Pago App and the Site contain links to other websites, for whose content the Company is not liable. Accessing those websites is subject to the terms and conditions of each website. The Company is not liable for the content of those websites.

12. Intellectual property

12.1. The Company is the holder of all rights over the content of the Pago Application and the Site (including but not limited to images, texts, trademarks, logos, web graphic elements, scripts, applications and databases). The use of any element of such content is forbidden without the prior written consent of the Company.
12.2. The download and use of the Site and the Pago App by the User shall not be considered as a licence granted by the Company to the User over any intellectual property rights held by the Company, save for what is expressly stated in this Agreement.
12.3. The Company grants the User a revocable and non-exclusive licence to use the Pago App, provided that the User complies with the Terms, including those related to correct and lawful use. The licence automatically expires upon termination of this Agreement. The licence does not transfer to the User any other right arising from the Pago App. The Company retains ownership of all intellectual property rights in respect of the Pago App even after the Pago App has been downloaded on the User's mobile phone.
12.4. All trademarks displayed on the Site and the related rights are held by their legitimate owners. The Company does not claim any right over them, except for those of which the Company is the legitimate owner.

13. Interruption of the service by the Company

13.1. If the Company makes any change or update that has the consequence of temporarily interrupting, restricting, suspending or limiting, in any way, the functioning of the Site or the provision of the services, the Company will notify the User about such circumstances, before or at the time of the restriction or suspension, with a statement of reasons. If the events described in this Section 13.1 occur, any payment made by the User for a Pago App fee-based service and the subscription itself will be suspended for the time of interruption, and reinstated as soon as the service restarts. In this event, the subscription will be extended for a period equal to the period of interruption, without any additional fee.
13.2. If the interruption of the functioning of the Site and/or the provision of the services is not temporary, the Company will notify the User at least 7 business days prior to the interruption, with the specification that from a particular day the User will no longer be able to use the services through the Pago App.
13.3. If the User is in breach of the Agreement, the Company may, at its sole discretion and without any obligation to pay compensation, deny any User further registrations and/or access to the Site, the Pago App or any other service governed by the Agreement, and take any action for its own protection, including actions aimed at obtaining compensation for damages.
13.4. In particular, the User agrees that the Company has the right to immediately suspend the User's account, or suspend or cancel access to the Site, Pago App or any other service governed by the Agreement, if the Company suspects, in its sole discretion, that: the User's account is being used for money laundering or any illegal activity; the User concealed or provided false identification information or other details; the User engaged in fraudulent activity; the User is using, employing or operating bots or other forms of automation and/or multiple accounts; or the User is otherwise in breach of the Agreement.

14. Termination and withdrawal

14.1. Free Users. If the User uses only the free services of the Pago App, the User may terminate the Agreement at any time by simply stopping use of the Pago App and/or by deleting the account through Settings.
14.2. Cancellation during the Trial Period (Consumers). If the User is a Consumer and has subscribed to a Pago App fee-based service, the User may cancel the subscription at any time during the Trial Period (as described in Section 8.5.1) through Settings → My Subscription → Cancel Subscription. No Subscription Fee will be charged.
14.3. Cancellation after the Trial Period. For any cancellation made after the end of the Trial Period — irrespective of whether the User qualifies as a Consumer or a Professional — the cancellation takes effect at the end of the already-paid billing cycle, as described in Section 8.5.4, and no pro-rata refund is issued for the remaining portion of that cycle, except where mandatory consumer-protection law provides otherwise.
14.4. Professional Users. If the User is a Professional (or for any other reason does not qualify as a Consumer), the User does not benefit from the statutory right of withdrawal provided to Consumers.
14.5. Termination by the Company. The Company may terminate the Agreement if the User is in breach of the Agreement and in any other case where the Agreement authorises the Company to cease or suspend the provision of the Pago App and related services.
14.6. In the event of termination by the Company, the Company shall provide the User with a statement of reasons at least 30 (thirty) days before termination. The 30-day notice period does not apply when: the infringement of a legal or regulatory obligation has occurred; rights of termination under national law are in compliance with European Union law that allows immediate termination; the Company can demonstrate repeated infringement of the Terms by the User. The various exceptions to the 30-day notice period may in particular arise in connection with illicit or inappropriate content, the safety of a good or service, counterfeiting, fraud, malware, spam, data breaches, other cybersecurity risks, or suitability of the good or service to minors.
14.7. If the User has subscribed to a Pago App fee-based service and the Company intends to terminate the Agreement according to Sections 14.5 and 14.6, termination will take effect from the day following the expiration of the ongoing billing cycle, and the Company will reimburse the Subscription Fee relating to the subscription cycles that the User will not be able to enjoy due to such termination.
14.8. In the event of termination of the Agreement, the Company will cease to provide services to the User and the User account will be deactivated. Nevertheless, the User will still have access to the Pago App and the information contained therein, including information relating to all invoices issued by the Agreed Suppliers and the User's payment history, for the retention periods specified in the Personal Data Policy.

(Note: the previous version contained a "digital-content-consumed" waiver clause under which the right of withdrawal during the Trial Period could be extinguished by the User's explicit, informed request for immediate performance. That clause has been removed from this version: the current in-app flow does not include the prior-express-consent screen required to make such a waiver enforceable under Italian consumer law. A future version of these Terms may reintroduce the clause once the corresponding UX flow is in place.)

15. Miscellaneous

15.1. If any provision of this Agreement is or becomes illegal, and/or is declared invalid or unenforceable by any court or any other competent authority, that provision will be considered no longer part of the Agreement and shall not affect the remainder of this Agreement, which will continue to be fully valid and applicable.
15.2. Any full or partial limitation of liability of the Company pursuant to this Agreement is valid within the limits set by applicable law.
15.3. The Agreement is available in Italian and English. The Italian version is legally binding; the English version is a convenience translation. In the event of discrepancy between the two versions, the Italian version prevails.