TERMS & CONDITIONS OF THE ACTIVITY

 
Snappi BANK S.A. (Krystalli 7A, Ioannina, Tax Identification Number: 801858330, hereinafter “Snappi”), in the context of promoting its products and services, organises, in cooperation with “Public Retail S.A.” (22 Thivaidos Street, 14564 Kifissia, Tax Identification Number: 999645183, hereinafter “Public”), the promotional campaign “Public & Snappi Pay Later Offer” (the “Campaign”), which concerns purchases made exclusively from the participating online store Public.gr, Public physical stores and Public + home, and using Snappi Pay Later as the payment method, and is addressed to Existing and New Snappi customers (“Customers”) who are also registered holders of the digital wallet “Public Wallet” in the context of their participation in Public’s Public Plus (Public+) programme (hereinafter the “Holders” and the “Public Wallet”, respectively), in accordance with the following terms.

Before participating in the Campaign, please read these Participation Terms carefully (the “Campaign Terms”), which are also posted on Snappi Bank’s website: [https://www.snappibank.com/en/terms-public-pay-later-reward-en/]. If you do not accept the Campaign Terms, you should not participate in the Campaign.

A. ELIGIBILITY

The requirements under sections A and B below must be cumulatively met in order for a person to become a Beneficiary of the Campaign Gift.

1. The Campaign is addressed to existing and new Snappi customers, namely persons who, during the Campaign Period, are already or become customers of Snappi, i.e. successfully and fully complete their registration (Digital Onboarding) in the Snappi application, which includes verification of their details and confirmation that all requirements set out in Snappi’s Transaction Terms and Conditions are met (the “Customer”). If, for any reason, Snappi requests verification of the application user’s details, registration shall be deemed complete only where the user has successfully completed all required and/or additional identification and verification steps that may be requested by Snappi. It is clarified that persons who have obtained Youthpass from Snappi are not considered Customers for the purposes of the Campaign and, in order to become Beneficiaries, must complete Digital Onboarding and become Snappi Customers within the Campaign Period.
2. Natural persons are eligible to participate in the Campaign if they have reached the age of 18, are tax residents of Greece and have full legal capacity, and are registered members of the Public+ programme (holding the unique ten-digit membership card code that uniquely identifies each Public Wallet Holder and enables use of the “Public Wallet Code” or the “Code”).

B. PARTICIPATION REQUIREMENTS (STEPS) & SNAPPI PAY LATER GIFT

1. To receive the SNAPPI PAY LATER Gift, participants must complete the following steps within the Campaign Period (i.e. from 02.06.2026 to 31.08.2026) (the “Beneficiaries”):
2. make at least one (1) purchase from Public’s online store, Public physical stores or Public + home of a total value of fifty-nine euros (€59) or more, within the Campaign Period, selecting Snappi Pay Later as the payment method.
3. It goes without saying that, specifically for new Customers, in order to validly participate in the Campaign, they must download the Snappi application and successfully complete registration in the Snappi application (i.e. successfully complete the Digital Onboarding process, which includes verification of prospective customers’ details and confirmation that all requirements set out in Snappi’s Transaction Terms and Conditions are met) within the Campaign Period.
4. Within fifteen (15) business days from completion of the first purchase (within the Campaign Period) from the participating online store Public.gr of a value equal to or higher than €59, the Beneficiary will receive twenty euros (€20), as a reward, in their Public Wallet, to be redeemed in future purchases either at physical stores under the trade names Public or Public home+ or at Public’s online e-shop https://www.public.gr/ (the “Snappi Pay Later Gift”), always in accordance with the applicable terms of the Public+ programme and the restrictions and exclusions referred to therein. The Gift may be redeemed exclusively by the Holder either at physical Public and Public+ home stores in Greece by using (showing or scanning) the Public+ digital card at the store checkout, or for purchases on the public.gr online store, provided that the member is logged in to their online account.
5. Crediting of the Gift will be subject to the Beneficiary not proceeding with a total cancellation of, or full withdrawal from, the sale contract in accordance with Law 2251/1994 (Articles 3e et seq.) and/or Public’s returns policy. In the event of withdrawal in accordance with the law, Public will refund the full purchase amount to the customer and the Snappi Pay Later Gift will not be awarded. The Snappi Pay Later Gift will not be awarded for any subsequent purchase by the customer either, even if the customer meets the requirements hereof, and even if the customer withdraws and makes a new purchase within the Campaign Period. If the customer withdraws and the Snappi Pay Later Gift has already been awarded, Snappi reserves the right to reclaim the amount of the Snappi Pay Later Gift by debiting the Customer’s account with the corresponding amount, for which the Customer hereby authorises Snappi by participating in this Campaign. In the event of partial withdrawal from the sale contract, the Snappi Pay Later Gift will be awarded. It is reminded that the Gift will be credited to the Beneficiary’s Public Wallet; therefore, the Customer must also be a Public Wallet Holder.

C. DURATION

1. Participation in the Campaign is possible from 02 June 2026 (00:01 Greek time) until 31 August 2026 (23:59 Greek time) (the “Campaign Period”). Snappi reserves the right, but has no obligation, to modify the Campaign Period upon prior appropriate notification of the Holders through an announcement on its own channels/media and/or those of Public.
2. Beneficiaries may redeem their Gifts within six (6) months from their registration with Snappi and always in accordance with the applicable terms of the Public+ programme and the restrictions and exclusions referred to therein. The expiry date of each Gift is determined exclusively by Public. A Gift awarded to a Beneficiary and not redeemed by the end of its respective duration will be deactivated and may not be used, unless otherwise specified by Public.
3. Downloading the application and/or registering the Holder as a Snappi customer (even if all actions that Snappi may require in the context of the identification/know your customer process have not been completed) before or after the Campaign Period will not render the Holder a Beneficiary and the Gift cannot be awarded to them.

D. RESTRICTIONS

1. Participation in the Campaign presupposes and entails the unconditional acceptance of all these terms, as well as the Privacy Policy and Terms of Use of Snappi’s website. Any participation that does not comply with these terms shall be deemed invalid.
2. Each participating person is entitled to one participation in the Campaign and is entitled to receive the Snappi Pay Later Gift only once. Purchases made on Public’s online store, Public's physical stores & Public + home before the Campaign Period are not taken into account as participations in this Campaign (i.e. if a person has previously made purchases on Public’s online store before the Campaign Period, they may participate in the current campaign, provided, of course, that the remaining Campaign Terms are also met. Likewise, if a person makes several purchases within the Campaign Period, they will be entitled to the Snappi Pay Later Gift only for the first purchase that meets the Campaign Terms).
3. It is clarified that persons who do not meet the above criteria, or who alternatively meet any of the following criteria, are not eligible to participate in the Campaign and do not qualify as Beneficiaries:
4. have initiated the Digital Onboarding process without completing any step thereof as defined in Snappi’s Transaction Terms and Conditions (e.g. they have not submitted a required supporting document);
5. are unable to complete their registration because they do not meet Snappi’s Transaction Terms and Conditions;
6. do not complete their registration with Snappi within the Campaign Period;
7. do not successfully complete a purchase through Snappi Pay Later on Public’s online store within the Campaign Period;
8. make their purchase at Public by any other means (e.g. card payment) instead of Snappi Pay Later;
9. make their purchases at Public before or after the Campaign Period;
10. make purchases, each of a value lower than €59, within the Campaign Period;
11. proceed with a total cancellation of, or withdrawal from, the transaction in accordance with term B.2 above;
12. have already participated in the Campaign.
13. If the Customer requires further clarifications, they may contact Snappi on matters relating to their participation in the Campaign, registration in the Snappi application (Digital Onboarding), use thereof and award of the Gift at the following details:
14. By email at: customer@snappibank.com
15. By telephone at: 210 483 8000.

E. RESTRICTIONS

1. Holders accept that, if they do not meet the General Transaction Terms and Conditions for their registration as a new Snappi customer in accordance with the applicable regulatory framework and Snappi’s terms displayed in the Snappi application, they will not be able to complete their registration in the digital application or they may be required to communicate with Snappi in order to submit any additional documents. Snappi reserves the right to reject registration applications during Digital Onboarding if the General Transaction Terms and Conditions it has set for the registration of a new customer are not met, and also to reject any participation at any stage - even at the Gift award stage - if the Holder does not meet all Campaign Terms, all of which are deemed material. Holders must complete any process required by Snappi in the context of the verification of their details and the know your customer process, even after completion of Digital Onboarding. Otherwise, Snappi and Public reserve the right not to award or to cancel the Gift. Similarly, Snappi reserves the right, at its sole and uncontrolled discretion, to accept or reject any Holder’s application for registration as a customer for any reason (e.g. if they do not successfully complete the identification and registration process in accordance with Snappi’s process, such as details verification), or if unlawful or non-contractual use of a Gift or details is identified or suspected.
2. In the event of unavailability, Snappi is entitled to offer alternative gifts selected by Snappi itself. In the event of force majeure, security reasons or other circumstances beyond Snappi’s control, Snappi may and is entitled NOT to offer the Gift, in which case it shall be released from any liability and shall not be obliged to offer alternative gifts of any form or value.
3. The Gift is awarded by Public and Snappi bears no liability in the event of delay, non-dispatch or non-award thereof by Public, to the extent that such delay, non-dispatch or non-award is due exclusively to Public. Similarly, Snappi bears no liability if the Beneficiary has provided incorrect contact details to Public or loses the access credentials to their Public Wallet account, which will be used by Public for the award of the Gift. Public will decide unilaterally on the manner in which the Gift is awarded to Beneficiaries.
4. Snappi bears absolutely no liability in relation to the validity, duration, expiry date, redemption and general use of the Gifts, which are governed exclusively by the terms and conditions of the Public+ programme and are subject to the restrictions set by Public. Similarly, Public bears absolutely no liability in relation to the registration process in the Snappi application and the creation of a new user account, nor is it involved in any way in the process of assessing the validity of participations and fulfilment of the participation requirements in this Campaign.

F. PERSONAL DATA PROCESSING TERMS

1. This section contains information regarding the collection of your personal data and their processing for the purposes of conducting the Campaign in order to enable the award of the Gift. Please also refer to the Privacy Policy, which is posted on our website and applies supplementarily to these terms.
2. The recipients of your data will only be Snappi’s authorised partners who assist in the implementation of the Campaign (e.g. cloud hosting provider, marketing provider, social media manager, etc.). Snappi’s partners act under contractual confidentiality and data protection commitments. Your personal data will be processed exclusively for the purpose of carrying out and implementing the Campaign and guiding you in receiving the Gift. The personal data of participating persons will not be transferred outside the European Economic Area. In the event of a transfer outside the EEA, such transfer will take place in accordance with Chapter V GDPR and with appropriate safeguards. Snappi takes all appropriate technical and organisational measures, as provided for under applicable legislation, to ensure an appropriate level of protection for the personal data of participants.
3. Snappi processes transaction data within the application and the contact data it already holds about you as its customer for the purposes of: 1. verifying completion of Snappi’s participation form, 2. more generally verifying fulfilment of these terms, and 3. informing and communicating in the context of the Campaign (Legal basis for processing: performance of a contract), exclusively for the above purposes and does not share them with third parties, expressly excluding the Beneficiaries’ Public Wallet Code, which Snappi will send to Public in order to enable the award of the Gift.
4. The personal data of participating persons will be retained as follows: (a) where participants gain access to the Snappi application and successfully complete their registration as Snappi customers, their data will be retained on the basis of the Privacy Policy that they will have accepted by completing Digital Onboarding; (b) where completion of Digital Onboarding does not take place for any reason before the end of the Campaign Period, Snappi will retain the data of interested persons provided through submission of the participation form in order to provide the required updates regarding the actions necessary for their registration as Snappi customers, and in any event no later than 31/08/2027. Customers’ purchase data are retained in accordance with the above Policy (for the entire duration of our contractual relationship and for at least 20 years from its termination, in accordance with the applicable regulatory and supervisory obligations of the credit institution).
5. Snappi and Public act as independent Controllers for the data they keep in their systems and exchange only the strictly necessary data for verifying eligibility. In the context of implementation of this Campaign, the controller of the personal data you submit for the creation of a new bank account and of your transaction data carried out through Snappi is Snappi, while the controller of your personal data relating to your participation in the Public+ programme is Public. For more information regarding the processing of your personal data by Public, you may refer to the Terms and Conditions of participation in Public+ and Public’s Privacy Policy.
6. Each Customer has the right of access, information, rectification and objection to further processing of their personal data, as provided for in the General Data Protection Regulation (Regulation (EU) 2016/679 and Law 4624/2019), as well as the right to lodge a complaint with the competent supervisory authority (Hellenic Data Protection Authority: www.dpa.gr). To exercise their rights, each participating person may contact Snappi at dpo@snappibank.com.

G. OTHER TERMS

1. Snappi reserves the right to unilaterally amend these terms, shorten or extend the duration of the Campaign or revoke it upon prior announcement by any appropriate means, replace the Gift with others of equal value at its discretion, and generally amend any term of the Campaign by announcement through the website https://www.snappibank.com/. If deemed more appropriate, Customers will be informed by Snappi by email, SMS or Viber message, or through channels of its choice. Snappi shall be released from any liability in relation to the postponement or cancellation of the Campaign and/or the above amendments thereto, which will apply as set out above, and in any event reserves its rights as to whether or not to award the Gift to Beneficiaries for any reason related to amendment of these Campaign Terms.
2. If any person wishes not to receive the Gift despite meeting the requirements of these Terms, they may withdraw from participation in the Campaign by sending a message to customer@snappibank.com with the subject “Request to Withdraw from the ‘Public & Snappi Pay Later Offer’ Campaign”. In such case, their participation will not be taken into account.
3. Snappi bears no liability in the event of incorrect entry or incomplete details on the part of participants or if any participant does not meet the requirements to join the Snappi application in order to become a Snappi customer in accordance with the Digital Onboarding terms and conditions.
4. Snappi shall not be liable in any way for (i) disruptions to the network, hardware and software of the participating person and/or for malfunction of the application of any nature that may lead to limited, delayed or lost registration of the participation or to any other problem or damage.
5. Snappi reserves the right at any time to exclude any participating person who has submitted false or inaccurate entries or personal information.
6. If any term is deemed invalid, such partial invalidity shall not result in the invalidity of the Terms as a whole.
7. The Campaign Terms, as in force from time to time, shall be governed by Greek law. For any dispute that may arise in relation to the interpretation or application of the above terms, the Courts of Athens (central seat) shall have concurrent jurisdiction with any other courts competent from time to time pursuant to law.