This document outlines the terms and conditions governing the entirety of the business relationship with OneFor, including but not limited to the use of OneFor services. Through the primary channel, the OneFor app, and in collaboration with Moorwand LTD and Via Payments UAB, OneFor provides a range of services, including accounts, payments and card services. These terms are applicable to users aged 18 and above, with full legal capacity, who enter in a relationship with OneFor. This document is effective from December 2, 2023, and supersedes all previous versions.

In additional to the terms above, this document outlines the terms and conditions applicable to users who choose to enable OneFor Junior wallet. The OneFor Junior Wallet is a service for parents to give their children access to a card and wallet for managing pocket money expenses. This service is an extension of the OneFor services provided in collaboration with Moorwand LTD and Via Payments UAB. This document is effective from December 2, 2023, and supersedes all previous versions.