Terms & Conditions

1. Purpose

This document sets out the contractual conditions under which PANTHER Ambition, LDA (hereinafter “PANTHER”) grants the purchaser a license to use software owned by it, called “PANTHER” (hereinafter the “Software” or PANTHER) and provides support and maintenance services in relation to the same Software (hereinafter jointly referred to as the “Licensing and Services”) under the terms set out below. The Licensing and Services are intended for natural or legal persons who carry out a commercial, business or professional activity and who intend to use the Licensing and Services for professional purposes within the scope of such activities (hereinafter the “Client”).

2. Software

2.1. Intellectual property and use license

Ownership of the Software, the manuals and any other material made available for use under the Licensing and Services (hereinafter the “Software and Materials”) belongs to PANTHER, it being expressly established that all intellectual property rights over the Software and Materials remain exclusively with PANTHER, with no transfer of such rights to the Client. PANTHER grants the Client, upon the Client’s prior registration under the terms set out in 2.2 below, a non-exclusive and non-transferable license to use the Software for a period limited to the first month as a trial period. Access to and use of the Software are made available remotely via the Internet and the Client is not given the possibility to obtain an executable version of the Software.

The grant of this license only covers Software owned by PANTHER. If PANTHER makes third-party software available together with the Software, whether executable independently or in combination, such availability will be made to the Client under a license agreement granted under rights obtained by PANTHER for its distribution or to enable the Client to use such software, whose terms and conditions of use will be disclosed to the Client for information and acceptance prior to use.

This Licensing and Services commence on the date the Client completes registration as per 2.2 below and remain in force for the term of the support and maintenance service subscribed by the Client with PANTHER, under clause 2.4 below. The conditions applicable to the Licensing and Services may be changed or revised by PANTHER for each new monthly term applicable, whether by automatic renewal or a new subscription by the Client. Accordingly, unless expressly stated otherwise, any changes or revisions made by PANTHER during a contractual term in progress shall apply prospectively from the date on which the subscription term of the Licensing and Services is renewed.

2.2. Registration

To access the Licensing and Services, the Client must register as a user of the Software with PANTHER by completing the online registration process available at www.masterinsoft.com. Before registering, the Client must carefully read these terms [as well as all information on the conditions contained herein that PANTHER makes available on the Licensing and Services during the registration process, and may request any clarifications necessary for their proper and effective understanding from PANTHER]. The Licensing and Services agreement governed by these conditions is deemed concluded upon completion of registration by the Client, through which the Client expressly accepts these conditions. The Client is authorized to use the Software according to the duly registered identification data, and any update or change to the data must be carried out by the Client as soon as it occurs, using the online data update/change procedure provided by PANTHER at www.masterinsoft.com for this purpose. If the registration is completed by a representative of the Client without the necessary powers of representation, such representative is personally bound by these terms and conditions should the Client contest its binding nature due to lack of powers, and in that case, for all legal and contractual purposes, references to the Client shall be deemed to refer to the subscriber(s), without prejudice to PANTHER’s right to terminate the contract with immediate effect. The Client is solely responsible for the truthfulness, completeness and lawfulness of the data provided to PANTHER.

Access to the Software will be made by assigning a username and a password defined by the Client in accordance with the general parameters set by PANTHER. The Client is solely responsible for safeguarding and properly using them, and PANTHER declines any liability for improper use or loss of the password.

2.3. Notices

The Client expressly agrees that notices to be made by PANTHER under this contract may be made electronically to the email address indicated by the Client in the registration.

2.4. Term and Renewal

The Licensing and Services will be made available for an initial term of one (1) year from the user’s registration date. After the lapse of the one-month period, the one-year Licensing and Services agreement cannot be revoked nor can reimbursement of any payment already made be claimed, and it shall be automatically and successively renewed for equal periods. The Client shall be obliged to pay, at the start of each new monthly or annual period (depending on the payment option chosen by the Client), the amount due for the Licensing and Services subscribed, in accordance with the applicable prices in force. For this purpose, the Client shall previously indicate to PANTHER the bank account for direct debit corresponding to the booking FEE monthly or weekly and payment thereof by credit to PANTHER’s bank account domiciled at its registered office, which is the place stipulated for payment of the booking FEE due for the Licensing and Services.

Either party may prevent (obstar) the automatic renewal of this Licensing and Services agreement by notifying the other party of its intention not to renew at least 25 days prior to the end date of the current term. The Client’s notice to PANTHER to prevent renewal must be sent to the email address: account@PANTHER.com. PANTHER’s notice to the Client for the same purpose shall be sent to the email address provided at registration or any other subsequently provided by the Client to PANTHER.

Whenever the terms and conditions set forth in this document are amended as referred to in 2.1, the amended conditions shall apply to terms commencing after the amendment. PANTHER will notify the Client that the terms and conditions have been revised or amended by sending a communication to the email address provided at registration (or updated address), and it is the Client’s responsibility to consult the updated terms and conditions at www.mastersoftware.net.

In case of non-renewal of the Licensing and Services, whether at the end of the initial term or at the end of any monthly renewal period, access to the Software and provision of the Service shall cease automatically without the need for any prior notice by PANTHER, and from that moment the Client will no longer have access to either the Software or the information stored therein, without prejudice to clause 6 below.

PANTHER may also suspend access to the Software and Services in the event of late or non-payment by the Client.

2.5. Price and Payment

The prices applied shall be those in force at the time of each renewal, plus any applicable taxes by law. The prices in force at any time can be consulted at www.masterinsoft.com, except for software modules previously contracted.

Payment for the Licensing and Services is due in advance and must be paid by the Client within five days from the renewal date by direct debit.

The Client also expressly authorizes the debit to the bank account indicated to PANTHER of costs arising from this contract that may be applicable under the price list in force at any time, as duly indicated at www.mastersoftware.net.

2.6. Prohibitions

The Client is prohibited from any reproduction, permanent or temporary, by any process or form, of all or part of the Software, even for strictly personal use. The Client is likewise prohibited from translating, adapting, arranging or transforming the Software, as well as reproducing any program derived therefrom, and is further prohibited from any form of disclosure of the Software or its communication to the public, including renting it or any assignment of use to third parties. These prohibitions apply both to the Software and to the respective technical documentation and any Materials. Any of the aforementioned acts, or acts of a similar nature, performed without prior express written authorization by PANTHER constitutes an infringement of PANTHER’s rights over the Software and Materials and may constitute a criminal offense, namely under the Cybercrime Law approved by Law no. 109/2009 of 15 September.

3. Services

During the term of the Licensing and Services, subject to payment being duly settled, PANTHER will provide the Client, for the Client’s exclusive benefit, the following maintenance and technical support services.

3.1. Maintenance

PANTHER will carry out activities to adapt the Software in line with changes applied by platforms connected to PANTHER, in order to adjust the Software’s features to the requirements arising therefrom.

Updates resulting from the maintenance services provided will be automatically made available by PANTHER together with the Software according to the Software evolution roadmap established by PANTHER at any time, and the Client does not need to request any intervention to access the updated Software as it is made available by PANTHER.

3.2. Technical Support

PANTHER will provide a technical helpdesk to support and respond to queries regarding the operation and functionality of the Software. For this purpose, PANTHER will provide the Client with a telephone number and an email address through which the Client may submit queries.

Technical support will operate during the customer service hours of PANTHER’s office in Portugal (currently Monday to Friday from 9:00 to 12:30 and from 14:00 to 18:30, except national holidays in Portugal). PANTHER reserves the right to modify service hours and will provide information on the hours in force at any time at www.mastersoftware.net.

4. Warranty and Liability

4.1. Software and Services Warranty

The Software is not designed to meet the Client’s particular needs but rather to fulfill a general purpose, and no warranty is given that the program’s features are those that, in the Client’s opinion, should operate, nor that the Software is suitable for any particular purposes or needs. Provision of the Licensing and Services does not include any warranty that the Software will operate without interruption or that it is error-free.

PANTHER will intervene in the Software to resolve errors or incidents affecting normal operation, and the resolution may only be carried out within the scope of Software updates implemented by PANTHER (new updates or versions) according to the Software evolution roadmap defined by PANTHER at any time.

PANTHER will endeavor to provide the services comprising the Licensing and Services with the utmost diligence, acting in accordance with practices generally adopted in the sector. PANTHER shall not be liable for any changes or loss of data that may occur in the Client’s information systems, nor for any damages that may arise from the regular provision of the Licensing and Services under this contract.

PANTHER shall not be liable for any warranty given by third parties, including distributors designated by PANTHER, unless it is a warranty expressly given by PANTHER itself.

4.2. Liability

The Software is intended to be used by professionals who, under their own responsibility, must interpret the data, calculations and results provided by the Software, and PANTHER cannot be held liable for any loss arising from the use or inability to use the Software, including work stoppages, data loss, economic losses or loss of profits, nor for any damages resulting from the unavailability or impossibility of using the Software, the management of which is the Client’s responsibility.

Where the Client has access to software marketed by PANTHER that allows synchronization of the Software with information stored and processed by another application, PANTHER cannot be held responsible for the consequences of any data synchronization failures that may occur.

Without prejudice to the above limitations, PANTHER’s liability for any damages arising from breach of this contract attributable to it under the law is limited to the amounts it has received from the Client in payment for the Licensing and Services.

5. Web

5.1. Availability

PANTHER seeks to make access to the Software available on a continuous basis but cannot guarantee that access will be permanently available.

Access to the Software may be unavailable, namely for reasons beyond PANTHER’s control, due to suspensions or interruptions in access or communication networks or in the provision of underlying services, due to maintenance tasks or interventions to resolve errors or incidents.

Whenever possible, PANTHER will seek to ensure that suspensions or interruptions are as brief as possible and will provide prior information in the case of scheduled or anticipated interventions; however, it cannot be held liable for the impossibility of accessing the Software due to web access failures or unavailability.

All log records are only available in storage for 90 days; after this period, they may be requested individually for legal analysis.

The URL of invoices issued by Moloni is available in storage for 90 days; after this period the URL is deactivated and the invoice can only be accessed in Moloni.

5.2. Use of Cookies

PANTHER uses cookies to personalize and facilitate users’ navigation on its websites. Cookies are associated only with an anonymous user and their computer and do not provide references that allow personal data to be deduced. The user may configure their browser to notify and reject the installation of cookies sent by PANTHER, although this may affect the normal operation of the Software.

6. Access to Data on Behalf of the Client

In providing the services comprising the Licensing and Services, PANTHER may access personal data included in files for which the Client is the controller, whether within the scope of hosting, processing arising from use of the Software, or provision of technical support services, which may include remote access. PANTHER will not carry out any data processing operations on its own behalf nor outside the scope of the processing instructions arising from the Client’s contracting of the Licensing and Services, and, in particular, will not incorporate any personal data that may be contained in the Client’s files into its information systems. In its capacity as processor, such data will not be used for any other purpose. Without prejudice to the exclusion of liability for data loss set out in clauses 4.1 and 4.2, PANTHER will implement measures to protect any personal data contained in the Client’s files against accidental or unlawful destruction, accidental loss, alteration, disclosure or unauthorized access and against other forms of unlawful processing, and will also endeavor with entities it may subcontract for access or data hosting services to implement the same security measures.

PANTHER and the Client shall observe the provisions on personal data protection, namely the regime set out in Law no. 67/98 of 26 October (Personal Data Protection Law), insofar as applicable. Data incorporated by the Client into the PANTHER application will be retained for the duration of the Licensing and Services, and will be blocked upon termination of the Licensing and Services, being retained by PANTHER for 30 days from such termination to allow recovery within that period and at the Client’s request. Within the 30 days following termination of the Licensing and Services for any reason, the Client may request PANTHER to recover data it has incorporated into the PANTHER application. After that period without the Client requesting data recovery, or once the data has been made available to the Client, it will be destroyed by PANTHER.

7. Applicable Law and Jurisdiction

In accordance with article 4 of Decree-Law no. 7/2004, this contract is deemed concluded at PANTHER’s registered office. This contract and any dispute arising from its interpretation or application are governed by Portuguese law. The Portuguese courts shall have exclusive jurisdiction to resolve any matter relating to the interpretation or performance of this document. For the resolution of any dispute arising from this document, PANTHER and the Client shall submit to the exclusive jurisdiction of the materially competent court of Porto. PANTHER reserves the right to bring legal actions in the courts of the Client’s domicile or place of residence, which shall also be competent for this purpose.

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Issuance and sending of electronic invoices and/or booking vouchers/tickets – Terms and Conditions

For the purposes of these terms and conditions, the term “electronic invoice” refers to the commercial document and respective corrective documents issued electronically, as defined in paragraph 10 of article 36 of the VAT Code.

Provision of the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service

This document (“Service Terms”) sets out the contractual terms and conditions specifically applicable, in the absence of an express written stipulation to the contrary, to the provision by Secularfragment, Lda. (hereinafter “PANTHER”) and use by the client (hereinafter the “client” or “user”) of software [feature] and the Electronic Invoice Issuance and Sending service. These Service Terms supplement the terms and conditions of the PANTHER Software License Agreement in force between the Client and PANTHER (the “License Terms and Conditions”), under which PANTHER, as producer and author of the relevant software application, granted the User a non-exclusive and non-transferable license to use the licensed software for the User’s internal business purposes.

Prior to activation of the Electronic Invoice Issuance and Sending and/or booking vouchers/tickets features integrated into PANTHER applications, the client has expressly declared that they have read and agree with these terms and conditions.

Access to the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service

The electronic invoice issuance and sending service integrated into PANTHER applications is available to clients with an active PANTHER maintenance contract under one of the service levels whose commercial conditions in force at the time of licensing purchase or service renewal mention the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service in the list of features or services included in the relevant service level.

This service is provided integrated into the invoicing software applications together with the features associated with creating invoices and respective corrective documents, in compliance with the requirements set out in Decree-Law no. 256/2003 of 21 October and Decree-Law no. 196/2007 of 15 May, which regulate the issuance and sending of electronic invoices, in cases where the invoicing application provides for such communication.

Description of the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service

The service enables sending the invoice recipient an email with a hyperlink from which the document can be downloaded in PDF format, ensuring the authenticity of origin and integrity of content by affixing an advanced electronic signature, as well as non-repudiation of the origin and receipt of messages.

Invoices made available for download by the service are electronically signed with digital certification by SAGE PORTUGAL, S.A., in the name and on behalf of the user. For this purpose, a digital certificate with an advanced electronic signature is used, issued by a Certification Authority established in Portugal and accredited for this purpose, of which SAGE PORTUGAL, S.A. is the holder.

a) Service Terms – “Issuance and sending of electronic invoices and/or booking vouchers/tickets”

PANTHER reserves the right to update and amend these Service Terms periodically and without prior notice, without prejudice to making information on updates available on the website referred to in the following paragraph.

1.The client may consult the updated version of the Service Terms at any time by accessing Terms and Conditions, and must regularly consult these Service Terms to check for any updates.

2.All features of the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service are subject to the conditions set out in the License Terms and Conditions, as well as the terms and conditions governing the provision of maintenance services under which this service is included. In all matters not provided for in these Service Terms, the aforementioned terms available in the General Licensing Conditions shall apply, with the necessary adaptations. In the event of conflict, these Service Terms shall prevail.

3.The user grants PANTHER express powers of representation to issue and file electronic invoices in the user’s name and on the user’s behalf.

4.The user accepts and agrees that PANTHER cannot be held responsible for any type of information recorded in the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service.

5.The user of the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service must enter into prior agreements with their partners who are recipients of invoices to obtain their consent and acceptance to receive invoices by this means.

6.The user expressly accepts that they assume the risks inherent in using the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service.

7.Breach of any of the conditions set out in these Service Terms entitles PANTHER to cut off the service to the offending user.

b) Terms of use of the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service

By disclosing information produced in the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service, the user declares that they are the owner of such content, releasing PANTHER from all liabilities, namely tax or other.

1.The user may not use the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service for any illegal, fraudulent or unauthorized purposes.

2.The user is responsible for all content entered and activity occurring in their Service account. By submitting or disclosing such content in publicly accessible areas of the Service, the user declares and warrants that they own such content, releasing PANTHER from all tax or other liabilities inherent in managing or issuing any document.

c) Terms of Use

The user expressly understands and agrees that PANTHER cannot be held liable, not even for negligence, for any kind of damages resulting from the user’s use of the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service or by any third party who accesses the client’s data through the service using the user’s access data.

1.PANTHER may interrupt use of the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service, in a limited and/or temporary manner, namely for maintenance work, updates and/or other technical matters.

2.The user expressly accepts that PANTHER will automatically provide changes and fixes as part of the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service.

d) Copyright and ownership of content

All rights in the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service are reserved to PANTHER [or its licensors].

1.The user accepts that the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service contains protected and confidential information safeguarded by applicable law, which the user undertakes to observe and respect; the client undertakes to use the service in compliance with the VAT Code, the Copyright and Related Rights Code and the Industrial Property Code.

2.The user may not duplicate, copy, reproduce, redistribute or reuse any part of the Software, Service or Account, or visual design elements or concepts without PANTHER’s express written authorization, under penalty of incurring civil and criminal liability.

e) Provision of technical support for the feature

Technical support for the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” feature is provided by the same means as the PANTHER service associated with the client’s applications.

1.The “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service is provided via the Internet, and PANTHER is not responsible for connectivity failures or any delays, interruptions, errors or suspensions of communications and the resulting impossibility or prejudice of its use.

f) Limited Warranty

The provisions on limited warranty and limitation of liability contained in the license available in the General Licensing Conditions apply, with the necessary adaptations, to the provision of the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service.

1.Without prejudice to the foregoing, PANTHER does not warrant that the “Issuance and sending of electronic invoices and/or booking vouchers/tickets” service is error-free or will operate without interruption and it is provided “as-is” without additional warranties, including implied warranties of merchantability, satisfactory quality or fitness for a particular purpose.

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Provision of the “Communication of Invoices and/or synchronization with integrated partners” service to the Portuguese Tax and Customs Authority (“AT”) in real time (Web Service)

This document (“Service Terms”) sets out the contractual terms and conditions specifically applicable, in the absence of an express written stipulation to the contrary, to the provision by Secularfragment, Lda (hereinafter “PANTHER”) and use by the client (hereinafter the “client” or “user”) of software [feature] and the Invoice Communication service to the AT, for communication of invoice elements and respective corrective documents processed by the client under applicable law, by real-time electronic transmission integrated in software and using the web service provided by the AT (hereinafter the “Invoice Communication Service” or “Web Service for Invoices”).

Prior to using the Web Service for Invoices integrated into PANTHER applications, the client has expressly declared that they have read and agree to these terms and conditions.

Access to the “Communication of Invoices and/or synchronization with integrated partners” service

The Invoice Communication Service integrated into PANTHER applications is available to clients with an active PANTHER maintenance contract under one of the service levels whose commercial conditions in force at the time of licensing purchase or service renewal mention “Communication of Invoices and/or synchronization with integrated partners” or “Web Service for Invoices” in the list of features or services included in the relevant service level.

The Web Service for Invoices is provided integrated into the invoicing software applications together with the features associated with creating invoices.

The Web Service for Invoices is provided in accordance with the wording of subparagraph a) of paragraph 1 of article 3 of Decree-Law no. 198/2012 of 24 August, which regulates the fulfillment of obligations to communicate invoices, and integration in commercialized software versions of interpretations by the AT that, regardless of the date on which they were formulated, have not been made publicly available is not guaranteed.

Description of the “Communication of Invoices and/or synchronization with integrated partners” service

The service consists of communication over the internet between the client’s applications and a PANTHER cloud server, which in turn communicates with the AT server and integrated commercial partners, thereby simplifying client-side security processes and updates.

The PANTHER cloud server stores data necessary for the process of communicating invoices to the AT, originating from client solutions.

a) Service Terms – “Communication of Invoices and/or synchronization with integrated partners”

PANTHER reserves the right to update and amend these Service Terms periodically and without prior notice, without prejudice to making information on updates available.

1.The client may consult the updated version of the Service Terms at any time by accessing Terms and Conditions and must regularly consult these Service Terms to check for updates.

2.All features of the “Issuance and sending of electronic invoices and/or synchronization with integrated partners” service are subject to the conditions set out in the License Terms and Conditions, as well as the terms and conditions governing the provision of maintenance services under which this service is included. In all matters not provided for herein, the terms available in the General Licensing Conditions shall apply, with the necessary adaptations. In the event of conflict, these Service Terms shall prevail.

3.The user accepts and agrees that PANTHER cannot be held responsible for any type of information recorded in the “Communication of Invoices and/or synchronization with integrated partners” service.

4.The user expressly accepts that they assume the risks inherent in using the “Communication of Invoices and/or synchronization with integrated partners” service.

5.Breach of any of the conditions set out in these Service Terms entitles PANTHER to cut off the service to the offending user.

b) Terms of use of the “Communication of Invoices and/or synchronization with integrated partners” service

The user is solely and exclusively responsible for maintaining the security of their credentials that will allow communication of invoices to the AT through the PANTHER service. PANTHER cannot and will not be liable for any loss or damage resulting from the user’s failure to comply with this security obligation.

1.By disclosing information produced in the “Communication of Invoices and/or synchronization with integrated partners” service, the user declares that they are the owner of such content, releasing PANTHER from all liabilities, namely tax or other.

2.The user may not use the service for any illegal, fraudulent or unauthorized purposes.

3.The user is responsible for all content entered and activity occurring in their Service account. By submitting or disclosing such content in publicly accessible areas of the Service, the user declares and warrants that they own such content, releasing PANTHER from all tax or other liabilities inherent in managing or issuing any document.

c) Terms of Use

The user expressly understands and agrees that PANTHER cannot be held liable, not even for negligence, for any kind of damages resulting from the user’s use of the “Communication of Invoices and/or synchronization with integrated partners” service or by any third party who accesses the client’s data through the service using the user’s access data.

1.PANTHER reserves the right, at any time and in particular for technical reasons, to temporarily suspend access to the Web Service for Invoices (or any part thereof) with or without prior notice.

2.PANTHER may interrupt use of the “Communication of Invoices and/or synchronization with integrated partners” service, in a limited and/or temporary manner, namely for maintenance work, updates and/or other technical matters.

3.The user expressly accepts that PANTHER will automatically provide changes and fixes as part of the “Communication of Invoices and/or synchronization with integrated partners” service.

d) Copyright and ownership of content

All rights in the “Communication of Invoices and/or synchronization with integrated partners” service are reserved to PANTHER [or its licensors].

1.The user accepts that the service contains protected and confidential information safeguarded by applicable law, which the user undertakes to observe and respect; the client undertakes to use the service in compliance with the Copyright and Related Rights Code and the Industrial Property Code.

e) Provision of technical support for the feature

Technical support for the “Communication of Invoices and/or synchronization with integrated partners” feature is provided by the same means as the PANTHER service associated with the client’s applications.

1.The service is provided via the Internet, and PANTHER is not responsible for connectivity failures or any delays, interruptions, errors or suspensions of communications and the resulting impossibility or prejudice of its use.

f) Limited Warranty

The provisions on limited warranty and limitation of liability contained in the license available in the General Licensing Conditions apply, with the necessary adaptations, to the provision of the “Communication of Invoices and/or synchronization with integrated partners” service.

1.Without prejudice to the foregoing, PANTHER does not warrant that the service is error-free or will operate without interruption and it is provided “as-is” without additional warranties, including implied warranties of merchantability, satisfactory quality or fitness for a particular purpose.

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Credit Card Payments

If you choose to pay for your orders by credit card, you may do so with full security because, in compliance with the security rules issued by VISA International and Europay/Mastercard International, since 1 April 2001 all authorization requests for transactions using cards of those systems can only be processed by Redunicre if the security code (CVV2/CVC2) of the respective card is included in the data provided.

The security code is a three-digit number printed on the back of the card, after the number, on the right side of the signature panel of all VISA and Europay cards, as exemplified below.

To facilitate completion of future orders, your credit card data may be stored, being associated with your account in encrypted form.

Credit card information is handled securely, on behalf of PANTHER, by Ogone/Ingenico Payments, certified under the PCI-DSS security standard, for order processing and subsequent stages (payment, warranties, disputes, etc.). It is possible to consult the list of stored (truncated) credit cards and delete all or part of its contents in the “Client Area” accessible from the “Login” menu under “My Account”. In this case, the credit card data will no longer appear in the Client’s account or in future orders but will be retained by OGONE/Ingenico Payments to the extent necessary for processing orders and subsequent stages (payment, warranties, disputes, etc.).

Secure Online Purchases

3-D Secure service, for greater security.

The 3-D Secure protocol provides higher levels of security to consumers making online purchases, since it ensures, at the time of the transaction, that the person responsible for payment is indeed the legitimate holder of the card used in the online purchase. Thus, all online consumers are more protected, preventing others from using their cards fraudulently.

Learn about the advantages of the 3-D Secure protocol, as well as the registration and configuration steps. More info at https://www.multibanco.pt/compras-online-seguras/

Multibanco

If you prefer Multibanco payment, the site will send to your email an entity number, a reference and the amount of your order, which you can pay at any ATM (or Homebanking).

Example:

Entity: 10 563

Reference: 000 000 005

Amount: €00.01

In cases of cancellation or returns, refunds are guaranteed automatically, conveniently and securely.

If an IBAN is associated with your account, the amount is credited to your bank account.

If no IBAN is associated, the amount is credited to your client account in the form of a Digital Gift Card (available in “My Account” → “My Orders” → “Gift Card”), in order to ensure faster reimbursement.

Online sales on the client’s website

If the client chooses to use the PANTHER platform connected to their own website and wishes to have online sales, PANTHER provides integration with our payment gateway, with a per-transaction fee stated on our website.

Refunds of payments are made within up to 72 hours after the purchase on the website.

The client is responsible for providing proof of evidence of use of the purchased item to Unicre, if claimed by the customer.

Any and all amounts claimed by Unicre / Ogone / Ingenico Payments are the sole responsibility of the client, and no compensation may be claimed in any case.

Last updated: September 2025

support@masterinsoft.com