GENERAL TERMS AND CONDITIONS OF CONTRACTING AND USE

PYRAMID CONSULTING, S.L.

0. Purpose and Acceptance

These General Terms and Conditions govern the access to, contracting of, and provision of the services offered by PYRAMID CONSULTING, S.L. (hereinafter, “PYRAMID”) through its websites and by electronic or telephone means.
By accepting these General Terms and Conditions—whether by ticking the relevant box, signing electronically, confirming the order, or contracting through any enabled channel—the user or customer declares that they have read, understood, and expressly accepted these General Terms and Conditions, as well as the applicable Legal Notice and Privacy Policy.

PYRAMID warrants that all relevant pre-contractual information, including the main characteristics of the services, prices, applicable taxes, payment conditions, right of withdrawal, and complaint procedures, has been made available to the user in a clear, comprehensible and accessible manner prior to contracting.

PYRAMID may amend these General Terms and Conditions at any time. If the amendments constitute a material change to the terms, the user shall be notified by means of a prominent notice on the website and/or by reasonable means, guaranteeing the user’s right to terminate the contract if they do not agree with the new terms. Amendments shall not affect contracts already concluded, unless expressly agreed to by the user.

In the event of any inconsistency between these General Terms and Conditions and the specific terms of a particular service, the latter shall prevail.

1. Information on the Service Provider

In compliance with Law 34/2002 on Information Society Services and Electronic Commerce (LSSICE) and other applicable regulations, the following identifying information of the service provider is hereby provided:

• Corporate name: PYRAMID CONSULTING, S.L.
• Tax ID No. (CIF): B80176506.
• Registered office: Calle Princesa, 25. Edificio Hexágono. 6th Floor. Offices 5-6. 28008 Madrid. 28008. Madrid.
• Contact telephone number: +34 915 23 23 15.
• General email address: info@pyramidconsulting.es.

PYRAMID CONSULTING, S.L. is an entity specialised in advisory and administrative management services in relation to traffic and transport penalties, as well as in the provision of other related professional services, in accordance with the information published on its websites.

PYRAMID does not guarantee the permanent and uninterrupted availability of its services and may temporarily suspend them for technical, security, maintenance, updating reasons or causes beyond its reasonable control. In such cases, PYRAMID shall not be liable for any loss or damage arising from the lack of availability, unless caused by wilful misconduct or gross negligence, or where mandatory law so requires.

The user/customer undertakes to use the services in accordance with the law, good faith, public policy, and these General Terms and Conditions, refraining from any fraudulent, unlawful use or use contrary to the interests of PYRAMID or third parties. PYRAMID may deny, suspend or cancel access to the services in the event of a breach of these obligations, informing the user unless legally restricted from doing so.

2. Scope and Requirements

The services offered by PYRAMID are available exclusively to natural persons over 18 years of age and to legal persons acting through duly authorised representatives. The user or customer declares and warrants that they meet these requirements and have the legal capacity necessary to contract the services.

The user undertakes to provide at all times truthful, complete, accurate and up-to-date information during the contracting and/or service provision processes. PYRAMID may, at any time, require verification of the identity and information provided by the user, reserving the right to deny, suspend or cancel access to the services in the event of non-compliance with these requirements, detection of false, inaccurate, incomplete or outdated data, or fraudulent or unauthorised use of the services, informing the user unless legally restricted from doing so.

PYRAMID shall not be liable for any loss or damage arising from the user’s breach of the above obligations, nor for the consequences arising from the inaccuracy or lack of truthfulness of the data provided, without prejudice to any legal actions that may be available.

3. Services Offered

PYRAMID makes available to users, among others, the following basic services, in accordance with the current catalogue published on its websites and/or in the accepted offer:

• Management of and/or appeals against penalties.
• Driving licence points alert service.
• Search and tracking service for official publications of traffic fines (for example, the Official State Gazette (BOE)).
• Specific services under marketed brands or plans (for example, MultAyuda Vehículos/Profesionales/Personal, MultAyuda Expedientes, TienesMultas, TienesPuntos), in accordance with their specific terms and/or contract.
• Fine authorisation and payment service (see Schedule I).

The exact scope, included services, prices, timeframes and specific conditions of each service shall be those indicated in the product page or contracting landing page, in the accepted offer, or in the contract sent to the customer. In the event of any inconsistency between the general terms and the specific terms of a service, the latter shall prevail.

PYRAMID reserves the right to modify, update, suspend or remove at any time the services offered, as well as their features, prices and conditions, informing users through the usual channels and respecting rights already acquired under contracts already formalised.

The user is responsible for reviewing the specific terms and the particular information of each service prior to contracting. PYRAMID shall not be liable for any unsuitability of the contracted service for the user’s particular needs if the user has failed to provide truthful, complete and up-to-date information during the contracting process.

The contracting of certain services may require the submission of additional information or documentation (for example, vehicle registration number, driver details, etc.), as well as the acceptance of additional specific terms. PYRAMID may deny, suspend or cancel the provision of the service in the event of non-compliance with these requirements, informing the user unless legally restricted from doing so.

4. Method of Contracting and Procedure

The contracting procedure and pre-contractual information are provided in Spanish, which shall be the language used for contracting, unless expressly stated otherwise before the process begins.

The general contracting process through the website is carried out in accordance with Law 34/2002 on Information Society Services and Electronic Commerce and other applicable regulations, and includes the following stages:

4.1. The user selects the desired services and accesses the cart summary, where they may review, modify or remove the selected services before proceeding.

4.2. To continue with the contracting process, the user must provide personal information and select the payment method, expressly validating and accepting these General Terms and Conditions and, where applicable, the relevant specific terms.

4.3. Once the required data have been entered and the order confirmed, the user shall receive an acknowledgement of receipt by email containing the details of the contracting. PYRAMID may subsequently contact the user in order to complete the contracting process or request additional information, where appropriate.

4.4. In certain services, the process may require the provision of additional data or documentation (for example, vehicle registration number, driver details, etc.) and/or further validations. Failure to provide the required information may prevent the formalisation or provision of the service, without this giving rise to any liability on the part of PYRAMID.

4.5. Once the contracting process is completed, PYRAMID may send an electronic copy of the contract. If requested by the customer, it may be sent in paper format. The copy signed by the contracting party must be returned where the service so requires.

PYRAMID reserves the right to deny, suspend or cancel the contracting or provision of services in the event of non-compliance with the established requirements, detection of false, inaccurate or incomplete data, or fraudulent or unauthorised use of the services, informing the user unless legally restricted from doing so.

The user is responsible for reviewing all information provided before confirming the order and for retaining the contractual documentation sent by PYRAMID. The contract shall be deemed formalised at the time of the user’s express acceptance and PYRAMID’s confirmation, whereupon both parties shall be bound in accordance with the applicable conditions.

5. Order Confirmation and Proof of Contracting

Following placement of the order, the customer shall receive an acknowledgement of receipt by email with the details of the contracting, in accordance with applicable regulations. PYRAMID shall keep reasonable electronic evidence of the contracting and acceptance (including, among others, timestamp, IP address or device, document hash and contracting flow traceability), without prejudice to consumer rights and applicable law.

The customer is responsible for reviewing the information contained in the acknowledgement of receipt and for notifying PYRAMID of any error or discrepancy detected as soon as possible. If the customer does not receive the acknowledgement of receipt or detects any incident, they must contact PYRAMID through the enabled channels for resolution.

PYRAMID may, where necessary, require the customer’s express confirmation regarding acceptance of the terms or the provision of the service, especially where there are reasonable doubts as to the identity of the contracting party or the validity of the contracting. PYRAMID reserves the right to suspend or cancel provision of the service in the event of a founded suspicion of fraud, identity theft, unauthorised use or breach of the contractual terms, informing the customer unless legally restricted from doing so.

The contract shall be deemed formalised and fully binding from the time of the customer’s express acceptance and PYRAMID’s confirmation, both parties thereby being bound under the applicable conditions.

6. Prices, Taxes and Updating of Fees

The prices applicable to each product and/or service shall be those indicated on PYRAMID’s website on the date the order is placed and shall include, where applicable, VAT or other legally applicable taxes for transactions within Spanish territory, unless expressly stated otherwise. The final price, with all items broken down, shall be shown to the user before order confirmation.

The final price may vary depending on the buyer’s country of residence and the capacity in which they act (business/professional or private individual), in accordance with applicable tax regulations. For orders destined for other European Union countries, Spanish VAT may be deducted and the tax rate corresponding to the destination country may be applied, the user being clearly informed before contracting.

PYRAMID reserves the right to modify the prices of the services at any time and without prior notice, save in respect of contracts already formalised, which shall retain the agreed financial conditions unless the possibility of revision has been expressly provided for. Price changes shall not affect orders already confirmed by the user.

Unless otherwise indicated, the services do not include price protection or any right to a refund in the event of price reductions or promotional offers after contracting. Services and prices shall remain available while published in PYRAMID’s current catalogue.

The user is responsible for reviewing the final price and included items before confirming the order. PYRAMID shall not be obliged to honour erroneous prices that are manifestly disproportionate or arise from obvious technical errors, informing the user of the incident and allowing cancellation of the order at no cost to the user.

7. Payment Methods and Conditions

7.1 Accepted Means of Payment

Payment for the services may be made by such means of payment as are, at any given time, enabled and visible during the contracting process (for example, debit/credit card, bank transfer, direct debit, payment platforms or similar). PYRAMID reserves the right to enable, limit or withdraw certain payment methods for operational, security, fraud prevention reasons, or due to requirements of payment service providers, without prejudice to respecting already contracted conditions.

7.2 Payment Service Providers and Processing of Payment Data

Collections may be managed through external payment service providers. As a general rule, PYRAMID does not store the customer’s full card details or payment credentials, which shall be processed directly by the corresponding provider in accordance with its security standards and applicable regulations. However, the customer accepts that PYRAMID may retain evidence of the transaction (for example, transaction identifier, date, amount, payment status) for administrative, accounting, customer service, fraud prevention and defence against possible claims.

7.3 Payment Authorisation and Security Checks

By selecting a means of payment, the customer declares that they are the holder thereof or are duly authorised to use it. PYRAMID may carry out reasonable checks, request additional information or reject transactions where there are indications of fraud, unauthorised use or inconsistency in the data provided, without this giving rise to any right to compensation. If a transaction is detected as potentially unauthorised, PYRAMID may temporarily suspend the provision of the service until clarified.

7.4 Time of Charge, Confirmation and Making the Service Available

Unless otherwise stated in the offer or during the contracting stage:

• a) The charge shall be made at the time the order is confirmed or, as the case may be, when the service is due to begin.
• b) Provision of the service shall be conditional upon proper payment authorisation and verification.
• c) Where payment cannot be completed for reasons not attributable to PYRAMID (for example, insufficient funds, denial by the issuer, expiry of the payment method), the order may not be confirmed or may remain pending, and PYRAMID shall bear no liability for delays or impossibility of performance arising from such circumstance.

7.5 Recurring, Instalment or Subscription Payments (if applicable)

If the customer contracts services with recurring payments (subscription) or payment by instalments:

a) The customer expressly authorises the periodic or instalment charges on the dates and in the amounts indicated in the offer, order summary or specific terms

b) In the event of non-payment, PYRAMID may:

i. Suspend the service until regularisation

ii. Terminate the contract in accordance with these Terms, and/or

iii. claim the amounts due, including, where applicable, reasonable debt collection management costs permitted by applicable law.

c) If there is an automatic renewal, this shall be clearly informed before contracting; the customer may cancel the renewal in accordance with the procedure indicated in the customer area or through the enabled contact channels.

7.6 Promotional Codes, Discounts and Coupons

Discounts, coupons or promotional codes shall be subject to the specific conditions indicated in each campaign (validity, scope, one-time use, incompatibilities).
PYRAMID may cancel or reclaim the amount of any discount improperly applied in the event of fraudulent use or use contrary to the promotion rules.

7.7 Taxes, Fees and Charges

Prices are expressed in accordance with the prices and taxes clause. The customer shall be responsible for any fees or charges that may be levied by third parties (for example, the customer’s bank in respect of transfer fees, currency exchange or others), unless expressly stated otherwise.

7.8 Refunds, Reversals and Chargebacks

Without prejudice to the right of withdrawal where applicable and to the refund policy:

a) Any refund shall be made using the same payment method used, where possible, or by another reasonable alternative means.

b) The customer’s submission of unjustified chargebacks or reversals may result in suspension of the service and a claim for the amounts owed, without prejudice to any legal actions that may be available.

c) In the event of a chargeback or payment dispute, the customer undertakes to cooperate by providing the information reasonably necessary to manage the incident.

7.9 Invoicing

The customer consents to the invoice or proof of payment being issued electronically, unless they expressly request its issuance in paper format where permitted by applicable law. The customer shall be responsible for providing truthful and complete billing details.

7.10 Payment Incidents

For any incident relating to payment, the customer may contact PYRAMID through the channels indicated in the service provider information clause, stating, where possible, the transaction identifier, date and amount. PYRAMID shall use reasonable efforts to handle the incident as quickly as possible, without prejudice to the timeframes and procedures of issuers or payment service providers.

8. Technical Means for Correcting Errors

8. Technical Means for Correcting Errors
The user has appropriate technical means available to identify and correct errors in data entry before completing the contracting process. In particular, before clicking “Place order”, the user may review and amend their request by accessing the shopping cart or basket, where they may remove or amend the selected services and the data entered.

If an error is detected after the request has been formalised, the user may contact PYRAMID through the contact channels enabled on the website or by customer service channels in order to request correction of the data provided, provided this is possible and the provision of the corresponding service has not already commenced.

PYRAMID shall not be liable for any loss arising from errors in the data provided by the user if the latter has not used the means made available for correction, nor for the consequences arising from the lack of truthfulness, accuracy or updating of the information supplied.

9. Formalisation and General Conditions of the Contract (Penalty Defence/Management Services)

When the vehicle owner or their authorised drivers receive a penalty, they may authorise PYRAMID to draft and file the necessary submissions and appeals for the defence of such penalty on behalf of the vehicle owner or authorised driver, unless expressly stated otherwise and in accordance with the contract or applicable specific terms.

Such authorisation shall be private in nature and may be elevated to public form where necessary for dealings with the Administration. The user undertakes to provide PYRAMID with all information and documentation relevant for the proper provision of the service, including the date and method of receipt of the penalty, as well as any relevant circumstances relating to the notice.

The email address for receipt of fines indicated by PYRAMID shall be multas.clientes@pyramidconsulting.es (or such other enabled address as may be communicated to the customer). In the event of documentation being sent by post or fax, the holder must contact PYRAMID to confirm correct receipt.

Where applicable, the holder must provide the driver’s full details (first name, surname, DNI/NIE, full address, postcode, city and province). If this information is not provided, the driver may be presumed to be the vehicle owner, in accordance with applicable regulations and the conditions of the contracted service.

PYRAMID shall act with due professional diligence, assuming an obligation of means and not of result, and shall not be liable for consequences arising from lack of information, incomplete or inaccurate documentation, or omission of relevant data by the customer.

10. Duration, Renewal and Review of Fees (if applicable)

The duration, renewal and review of fees or charges shall depend on the contracted service and shall be specified in the contract, the accepted offer or the applicable specific terms. Unless expressly stated otherwise, service contracts shall have the duration established in the corresponding contractual document.

Where automatic renewal of the service has been agreed, this shall take place for successive periods of equal duration, unless the customer communicates their intention not to renew with the minimum notice indicated in the contract or accepted offer. PYRAMID shall inform the customer, sufficiently in advance and by electronic means or equivalent, of the upcoming renewal and the applicable financial conditions, in compliance with applicable law.

Where review of fees has been agreed in accordance with official indexes (for example, CPI) or other objective criteria, such review shall be applied under the terms and within the timeframes established in the contract or specific terms. Any amendment to fees shall be communicated to the customer with the notice required by law, giving them the possibility of terminating the contract without penalty if they do not agree with the new conditions.

Failure to pay the fee or charge within the established deadlines may result in suspension or cancellation of the service, following notice to the customer and in accordance with applicable law.

11. Customer Service and Communications

For any additional information, query, suggestion, complaint or incident relating to the contracted services, the customer may contact PYRAMID by email at info@pyramidconsulting.es or through the contact channels published on PYRAMID’s websites .

PYRAMID undertakes to deal with communications received as quickly as possible and, in any event, within the legally established timeframes. Complaints shall be handled in accordance with applicable regulations and, where appropriate, PYRAMID’s internal dispute resolution procedures.

Communications between PYRAMID and the customer shall preferably be made by electronic means, unless the law requires another means or the customer expressly requests a different channel. The customer is responsible for keeping their contact details updated and for periodically reviewing communications sent by PYRAMID.

PYRAMID may keep a record of communications maintained with the customer for management, quality and legal compliance purposes, always in compliance with data protection regulations.

12. Data Protection

12.1 Data Controller

The controller of the personal data provided by the Customer is PYRAMID CONSULTING, S.L., with Tax ID No. B80176506, and registered office at Calle Princesa 25, 6th Floor, 28008 Madrid.

12.2 Purpose and Legal Basis

The Customer’s personal data shall be processed for the purpose of managing the provision of the Fine Management service, including dealings with public authorities, billing, customer service and compliance with legal obligations.

The legal basis for the processing is the performance of the service agreement and, where appropriate, compliance with applicable legal obligations.

12.3 Recipients and Transfers

The data may be communicated to Public Administrations and competent bodies for the management and payment of the penalty, as well as to financial institutions and technology providers necessary for the performance of the service. No international data transfers are envisaged, unless required by law or by duly informed technical necessity.

12.4 Retention Period

Personal data shall be retained for the time necessary for management of the service, handling of possible legal liabilities and compliance with regulatory obligations. Thereafter, they shall remain blocked for the statutory limitation periods.

12.5 Data Subject Rights

The Customer may at any time exercise their rights of access, rectification, erasure, objection, restriction of processing and portability by written request sent to delegadoprotecciondatos@pyramidconsulting.es or to the controller’s address.

They also have the right to withdraw consent at any time, without affecting the lawfulness of prior processing, and to lodge a complaint with the Spanish Data Protection Agency (www.aepd.es) if they consider that their rights have been infringed.

12.6 Security Measures

The controller applies appropriate technical and organisational measures to ensure the security, confidentiality and integrity of personal data, in accordance with applicable regulations.

12.7 Additional Information

Further information regarding the processing of personal data can be found in the Privacy Policy available at https://www.pyramidconsulting.es/politica-de-privacidad/

13. Applicable Law and Jurisdiction

13.1 Applicable Law

These Terms and Conditions shall be governed by Spanish common law. In all cases, mandatory consumer protection rules shall apply where binding, including, among others, those set out in Law 34/2002 on Information Society Services and Electronic Commerce and in the Recast Text of the General Law for the Protection of Consumers and Users, without prejudice to any other applicable sector-specific regulations.

13.2 Competent Court

If the Customer acts as a consumer or user, for any dispute arising out of or in connection with these Terms and Conditions, the Courts and Tribunals of Madrid shall have jurisdiction where so established by mandatory law.

If the Customer is not a consumer or user, the parties submit to the Courts and Tribunals of Madrid, expressly waiving any other jurisdiction that may otherwise correspond to them, save for any mandatory venue.

The governing language of these Terms and Conditions is Spanish. In the event of any discrepancy between language versions, the Spanish version shall prevail.

14. Additional Provisions (where applicable)

Where a particular service includes additional commitments, conditions or benefits (for example, donations to associations, complementary services, special promotions or other advantages), PYRAMID shall clearly and expressly inform the customer during the contracting process and/or in the corresponding contract. These additional provisions shall only apply if they have been expressly accepted by the customer and are set out in writing in the contractual documentation.

Any specific condition or additional commitment shall prevail over these General Terms and Conditions in the event of inconsistency, provided that the customer has been duly informed and has accepted it. PYRAMID reserves the right to modify, suspend or cancel such additional commitments for justified reasons, informing the customer in advance and respecting rights already acquired up to that time.

SCHEDULE I — GENERAL TERMS AND CONDITIONS OF THE FINE AUTHORISATION AND PAYMENT SERVICE

This Schedule I specifically governs the provision of the administrative penalty management, authorisation and payment service offered by PYRAMID (the “Fine Payment Service”). In the event of any inconsistency with the General Terms and Conditions, this Schedule shall prevail in respect of this service.

1. Identification of the Service Provider

This service is provided by PYRAMID CONSULTING, S.L., with Tax ID No. B80176506 and registered office at Calle Princesa 25, 6th Floor, 28008 Madrid, registered with the Commercial Registry of Madrid. For any communication, you may contact pagodemultas@pyramidconsulting.es and/or +34 915 23 23 15. PYRAMID CONSULTING is an entity specialised in the administrative management of penalties, acting for and on behalf of the customer or duly authorised driver.

2. Purpose of the Service

The service consists of payment of penalties before the competent authority, as well as the corresponding economic recharge to the customer or driver.

3. Legal Nature

This contract is a service agreement between the customer and PYRAMID consisting of payment of the penalty before the competent authority on behalf of the customer, using the data and funds provided by the customer. PYRAMID is not the sanctioning authority, nor does it intervene in the imposition of the penalty. Responsibility for the infringing act lies exclusively with the offender or the vehicle owner. PYRAMID acts as a service provider and does not assume procedural or administrative representation of the customer vis-à-vis the Administration, unless specific and separate powers or authorisations are granted providing otherwise.

PYRAMID’s obligation is one of means and not of result; it does not guarantee acceptance of payment within the reduced-payment period, cancellation of the penalty, or the success of appeals, as such matters depend on the competent Administration and on the accuracy and sufficiency of the information and funds provided by the customer. Unless separately and expressly contracted, the service does not include contentious legal advice or legal defence in administrative or judicial proceedings. PYRAMID is not a payment institution or financial institution. The amounts paid by the customer in order to effect payment of the penalty are allocated exclusively to: (i) the amount of the penalty payable to the competent authority and (ii) the management fees and/or commissions previously disclosed.

Where it is impossible to execute payment for reasons not attributable to the customer once the funds have been received, the refund policy set out in these conditions shall apply. Under no circumstances shall PYRAMID acquire the status of a party vis-à-vis the sanctioning Administration or assume obligations proper to the offender or vehicle owner.

4. Express Authorisation and Mandate

The Customer grants PYRAMID express authorisation and a specific mandate to carry out, in the Customer’s name and on the Customer’s behalf, such actions as are necessary to effect payment of the fine before the competent authority, using the data and funds provided by the Customer.

Esta cláusula tiene la naturaleza de un mandato accesorio a un contrato de prestación de servicios. No confiere poderes generales ni representación procesal o administrativa más allá de lo expresamente previsto en esta cláusula. El Cliente prestará su consentimiento de forma expresa mediante: a) marcación de una casilla específica; y/o b) firma electrónica avanzada o cualificada conforme a Reglamento (UE) nº 910/2014 (eIDAS). PYRAMID conservará evidencias de la aceptación (marca temporal, IP/dispositivo, huella del documento y registros del flujo de contratación) a efectos probatorios y de cumplimiento de Ley 34/2002 (LSSICE), art. 10 y 27 y TRLGDCU, arts. 60 y 80.

Duration: the mandate shall remain in force from its express acceptance until payment of the penalty has been executed or the management has concluded, whichever occurs first.

Revocation: the Customer may revoke the mandate at any time before payment has been executed by notifying pagodemultas@pyramidconsulting.es, with acknowledgement of receipt. Revocation shall not affect steps already taken or obligations already accrued. Automatic termination: the mandate shall automatically terminate upon: (i) execution of payment; (ii) definitive impossibility not attributable to the Service Provider; (iii) effective revocation.

5. Electronic Confirmation and Acceptance

The Customer authorises payments only up to the total amount previously disclosed and accepted (including fees/surcharges and applicable taxes), plus the previously itemised and accepted management fees/commissions. PYRAMID shall act within reasonable administrative timeframes and the available payment windows. Supervening impossibility due to external causes (e.g. gateway/platform outages, banking incidents, file blocking, change in amount) shall not constitute breach.

6. Immediate Commencement of the Service and Waiver of the Right of Withdrawal

Where the Customer is a consumer, they are entitled to withdraw from the contract without stating any reason and without penalty within 14 calendar days from the date of conclusion of the service agreement in accordance with arts. 102 and 104 TRLGDCU. The Customer may exercise the right of withdrawal by means of an unequivocal statement sent before expiry of the period, through: a) email to pagodemultas@pyramidconsulting.es; b) post to Calle Princesa, 25. 6th Floor. 28008 Madrid. If the withdrawal right is exercised within the time limit, all payments received for unperformed services shall be reimbursed to the Customer without undue delay and, in any event, within a maximum of 14 calendar days (art. 107 TRLGDCU).

The right of withdrawal shall not apply once the service has been fully performed if performance began with the Customer’s prior express consent and acknowledgment of loss of the right (art. 103.a). Accordingly, the Customer expressly accepts the loss of the right of withdrawal once material actions before the Administration have commenced (e.g. access to/management of the file, validation of data for payment).

If payment of the penalty has already been executed before the competent authority, the payment service shall be considered fully performed and withdrawal shall not be available in respect of such action. Exercise of the withdrawal right shall entail no cost or penalty for the Customer; only, where applicable, proportional payment for the part effectively performed may be required.

7. Price and Commission

Prior to contracting and payment of the penalty, the Customer shall receive detailed information regarding the total price of the service, including the amount of the penalty, the applicable management fees or commissions, taxes, and any other additional charges. A breakdown of all financial items shall be displayed before the Customer accepts and makes payment. The Customer shall not be obliged to pay any amount not previously disclosed clearly and expressly. All stated amounts shall include, where applicable, the relevant taxes, specifying whether VAT or other taxes are included or not. Additional or variable costs (optional services or extraordinary steps) shall be communicated in advance and shall require express acceptance. The Customer may request an invoice with a full breakdown in accordance with applicable law.

8. Payment Gateway and Security (Multiple Methods)

Payment for the Fine Payment Service may be made through secure payment gateways integrated into PYRAMID’s websites and/or by other enabled means of payment, including, among others, Stripe, Redsys or equivalent providers, bank transfers, or other admitted systems.

The payment provider shall apply the relevant security standards (for example, PCI DSS and strong customer authentication SCA/3D Secure where applicable). The Customer declares that they are the lawful holder of the means of payment and expressly authorises the charge in accordance with the accepted conditions.

PYRAMID does not store full card data or credentials; these are managed directly by the corresponding provider. In the event of denial, return or incident, the Customer shall be informed and may retry or use an alternative means without unconsented additional charges. PYRAMID shall not be liable for technical incidents attributable to the gateway or financial institutions, except where legally provided otherwise.

9. Anti-Fraud Policy

PYRAMID applies advanced controls and security measures for the prevention, detection and management of fraudulent transactions. PYRAMID may temporarily suspend, block or cancel any transaction where there are reasonable indications of fraud, impersonation, unauthorised use, suspicious transactions or breach, informing the Customer unless legally restricted from doing so. PYRAMID may request additional documentation to verify identity and ownership of the means of payment and carry out checks before authorising the transaction. The Customer undertakes to provide truthful information and not to share credentials or payment data with third parties. Negligent or fraudulent use may result in suspension and, where applicable, notification to the authorities. The Service Provider shall retain electronic records and evidence of transactions and authentications. PYRAMID shall not be liable for damage arising from fraudulent or negligent actions attributable to the Customer or incidents beyond its reasonable control, without prejudice to consumer rights.

10. Refunds

If payment of the penalty has not been executed and no material actions before the Administration have commenced, the Customer may request a refund of the amounts provided, and the reimbursement must be made to the customer’s same account within a maximum period of 30 days from the request. Fees for services already provided may be deducted in accordance with the accepted offer. If the penalty has already been paid or the procedure initiated, neither the amount nor the fees may be refunded.

11. Liability

PYRAMID shall act with due professional diligence, assuming an obligation of means and not of result. PYRAMID shall be liable only for direct, certain and evidenced damage that is the immediate consequence of a breach attributable to wilful misconduct or fault. Indirect or consequential loss, loss of profit and unforeseeable damage are excluded, save where mandatory law applies or in cases of wilful misconduct/gross negligence.

Save in cases of wilful misconduct or gross negligence, the total aggregate liability per file shall not exceed the amount of the fees/commissions actually paid to PYRAMID, excluding amounts intended for payment of the penalty. PYRAMID shall not be liable where the damage is due to errors in customer data, insufficient funds, incidents affecting electronic platforms, gateway failures or force majeure.

In the event of an unauthorised payment transaction, the legal regime applicable to payment services shall apply; the Customer must notify the allegedly unauthorised transaction without delay and PYRAMID shall cooperate with the relevant entities. PYRAMID shall keep reasonable evidence (acceptance, payment attempts, communications and supporting documents) and shall cooperate in good faith in the investigation of incidents or fraud.

12. Retention of Evidence

PYRAMID shall retain electronic records evidencing acceptance of terms, payment authentication, communications and supporting documents for the period required by law.

13. Data Protection

The controller is PYRAMID CONSULTING, S.L., Tax ID No. B80176506, Calle Princesa 25, 6th Floor. 28008, Madrid. Data shall be processed for management of the service, billing, customer service and compliance with legal obligations, in accordance with the GDPR and Spanish law. Data may be communicated to Public Administrations, financial institutions and necessary technology providers. No international transfers are envisaged save where legally required or where there is informed technical necessity.

The Customer may exercise their rights at delegadoprotecciondatos@pyramidconsulting.es and lodge a complaint with the AEPD (http://www.aepd.es). Further information: Privacy Policy at https://www.pyramidconsulting.es/politica-de-privacidad/

14. Applicable Law and Jurisdiction

These Terms and Conditions are governed by Spanish law. Para consumidores, serán competentes los juzgados que establezca la normativa imperativa. For consumers, the courts established by mandatory law shall have jurisdiction. For non-consumers, the parties submit to the Courts and Tribunals of Madrid. The governing language is Spanish; in the event of discrepancies between versions, the Spanish version shall prevail. The Customer may submit complaints to pagodemultas@pyramidconsulting.es or at the postal address indicated. If the Customer is a consumer, they may resort to ADR systems or the ODR platform: https://ec.europa.eu/consumers/odr.