{"id":4444,"date":"2024-04-29T20:52:54","date_gmt":"2024-04-29T20:52:54","guid":{"rendered":"https:\/\/www.mani.co.il\/%d7%94%d7%a1%d7%9b%d7%9d-%d7%aa%d7%a9%d7%9c%d7%95%d7%9e%d7%99%d7%9d\/"},"modified":"2026-05-31T12:21:06","modified_gmt":"2026-05-31T12:21:06","slug":"payment-agreement","status":"publish","type":"page","link":"https:\/\/www.mani.co.il\/en\/payment-agreement\/","title":{"rendered":"Payment Management Services Agreement"},"content":{"rendered":"\t\t
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Payment Installment Agreement<\/span><\/u><\/b><\/p>\n

Whereas<\/span><\/b>, the customer requested that
the company, as defined below, provide him with payment management services in
accordance with the agreement he signed or approved in this regard
(hereinafter: the Payment Services Agreement<\/i>);<\/span><\/p>\n

Whereas<\/span><\/b>, pursuant to the Payment
Services Agreement and subject to its provisions, the customer maintains a
personal account with the company as defined therein;<\/span><\/p>\n

Whereas<\/span><\/b>, among the options for
depositing funds into the user\u2019s personal account with the company is a deposit
by means of a transaction charged to the customer\u2019s debit card (hereinafter: Self-Charge<\/i>);<\/span><\/p>\n

Whereas<\/span><\/b>, the customer requested that
the company allow him to deposit funds into his personal account originating
from a Self-Charge transaction carried out in installments, with immediate
advance crediting of the customer\u2019s account for the full amount (hereinafter: Advance
of Payments<\/i>);<\/span><\/p>\n

Whereas<\/span><\/b>, the customer additionally
requested that the company allow him to make a payment to another personal
account holder, by means of a transaction charged to the customer\u2019s personal
debit card in installments, with immediate advance crediting of the other account
holder for the full transaction amount (hereinafter: Installment Payment<\/i>);<\/span><\/p>\n

Therefore, it is agreed and stipulated between
the parties as follows:<\/span><\/b><\/p>\n

    \n
  1. The preamble to this
    agreement constitutes an integral part hereof.<\/span><\/li>\n
  2. All definitions set forth
    in the Payment Services Agreement shall also apply to this agreement.<\/span><\/li>\n
  3. The company shall allow
    the customer, upon request and subject to its full and absolute
    discretion, to perform an Advance of Payments transaction as defined
    above. The company\u2019s decision whether to allow such a transaction shall be
    made separately for each request and transaction, and the company shall
    not be required to provide reasons for its decision should it decide not
    to allow such a transaction. The customer declares that in entering into
    the Payment Services Agreement and this Advance of Payments Agreement, he
    does not rely in any manner on the availability of this option and shall
    have no claim against the company in this regard.<\/span><\/li>\n
  4. An Advance of Payments
    transaction constitutes a loan granted by the company to the user, in
    respect of which the customer shall pay the company interest at the rate
    specified in the appendix to this agreement. Each Advance of Payments
    transaction shall constitute a separate loan, the term of which shall be
    from the date of execution of the transaction until the date on which the
    final payment in the relevant installment series is received by the
    company.<\/span><\/li>\n
  5. In Advance of Payments
    and Installment Payment transactions as defined above, the interest
    payable in respect of the transaction shall be paid by the customer in
    advance, and his debit card shall be charged accordingly at the time the
    transaction is executed. The customer\u2019s personal account, or the account
    of the other account holder to whom the payment is made, as applicable,
    shall be credited with the full transaction amount less the amount paid by
    the customer in respect of interest. The customer\u2019s debit card with the
    issuer shall be charged with the full amount, including the interest
    payment. Prior to final approval of such transactions, the customer shall
    receive an SMS message including full details of the transaction,
    including interest rates and payment amounts, and the customer shall be
    required to confirm his consent to these details as a condition for
    executing the transaction.<\/span><\/li>\n
  6. The interest rate may be
    updated from time to time at the company\u2019s sole discretion. Notice of any
    change in the interest rate shall be provided to the customer via the
    application, and such change shall take effect immediately on the business
    day following the notice.<\/span><\/li>\n
  7. Securities provided by
    the customer to the company under the Payment Services Agreement shall
    also serve to secure the customer\u2019s obligations toward the company under
    this agreement, including provisions regarding lien and setoff.<\/span><\/li>\n
  8. The company shall be
    entitled to demand immediate repayment of the loans granted to the
    customer under this agreement, in whole or in part, in any case where the
    customer breaches the provisions of the Payment Services Agreement and\/or
    this agreement, and\/or in any case where, under the Payment Services
    Agreement, the company is entitled to immediately and permanently
    terminate the engagement with the customer or suspend it for a limited
    period.<\/span><\/li>\n
  9. Disclosure<\/span><\/b>
    In accordance with the provisions of law, the following details are
    brought to the customer\u2019s attention. In the event of any inconsistency
    between the details set forth below and a specific notice regarding
    transaction details sent to the customer prior to execution, the
    provisions of the specific notice shall prevail.<\/span><\/li>\n<\/ol>\n
    \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    \n

    Item<\/span><\/b><\/p>\n<\/td>\n

    		\n

    Details<\/span><\/b><\/p>\n<\/td>\n<\/tr>\n<\/thead>\n

    \n

    Licensed credit provider (lender)<\/span><\/p>\n<\/td>\n

    		\n

    I.C.P. Finances Ltd., Company No.
    511089526<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Company address and contact details<\/span><\/p>\n<\/td>\n

    		\n

    9 Metzada St., B.S.R. 3, Bnei Brak, Tel:
    03-6226100<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Supervisory authority<\/span><\/p>\n<\/td>\n

    		\n

    Capital Market, Insurance and Savings
    Authority<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Loan amount and loan term<\/span><\/p>\n<\/td>\n

    		\n

    According to the transaction details, as
    specified in the notice sent prior to execution<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Date the loan is granted<\/span><\/p>\n<\/td>\n

    		\n

    Date of execution of the transaction by
    the customer<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Amount received by the borrower<\/span><\/p>\n<\/td>\n

    		\n

    Transaction amount less interest, as
    specified in the notice sent prior to execution (except for credit
    transactions \u2013 see Section 6 of the agreement)<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Amount paid by borrower beyond the
    credit amount (excluding linkage)<\/span><\/p>\n<\/td>\n

    		\n

    As specified in the notice sent prior to
    execution<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Total amount payable by end of term
    (excluding linkage)<\/span><\/p>\n<\/td>\n

    		\n

    As specified in the notice sent prior to
    execution<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Payment schedule<\/span><\/p>\n<\/td>\n

    		\n

    According to the transaction details, as
    specified in the notice sent prior to execution<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Nominal interest rate<\/span><\/p>\n<\/td>\n

    		\n

    Fixed interest rate of 12.8% (as of the
    date of this document, annual calculation)<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Adjusted interest rate<\/span><\/p>\n<\/td>\n

    		\n

    Fixed interest rate of 13.58% (as of the
    date of this document, annual calculation, including compound interest)<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Effective cost of credit<\/span><\/p>\n<\/td>\n

    		\n

    13.58% (as defined in Section 1 of the
    Fair Credit Law)<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Maximum cost of credit<\/span><\/p>\n<\/td>\n

    		\n

    18.75% for transactions over 3 months; 23.75%
    for transactions up to 3 months (as of the date of this document)<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Indexation<\/span><\/p>\n<\/td>\n

    		\n

    None<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Fees and ancillary expenses<\/span><\/p>\n<\/td>\n

    		\n

    None (excluding expenses incurred as
    part of debt collection proceedings)<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Default interest<\/span><\/p>\n<\/td>\n

    		\n

    None<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Maximum default interest rate<\/span><\/p>\n<\/td>\n

    		\n

    22.5% for transactions over 3 months;
    28.5% for transactions up to 3 months (as of the date of this document)<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Right to early repayment and conditions<\/span><\/p>\n<\/td>\n

    		\n

    None<\/span><\/p>\n<\/td>\n<\/tr>\n

    \n

    Measures available to the license holder
    in case of non-payment<\/span><\/p>\n<\/td>\n

    		\n

    Immediate repayment and enforcement of
    securities (promissory note, setoff, and lien) \u2013 see Sections 8 and 9 of the
    agreement<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

     <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    Payment Installment Agreement Whereas, the customer requested thatthe company, as defined below, provide him with payment management services inaccordance with the agreement he signed or approved in this regard(hereinafter: the Payment Services Agreement); Whereas, pursuant to the PaymentServices Agreement and subject to its provisions, the customer maintains apersonal account with the company as defined therein; […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4444","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nPayment Management Services Agreement - \u05d0\u05e8\u05e0\u05e7 mani<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mani.co.il\/en\/payment-agreement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Payment Management Services Agreement - \u05d0\u05e8\u05e0\u05e7 mani\" \/>\n<meta property=\"og:description\" content=\"Payment Installment Agreement Whereas, the customer requested thatthe company, as defined below, provide him with payment management services inaccordance with the agreement he signed or approved in this regard(hereinafter: the Payment Services Agreement); 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