First Cash Solution GmbH, Okenstrasse 7, 77652 Offenburg, Germany as an intermediary for and on behalf of Volksbank eG, Okenstrasse 7, 77652 Offenburg, Germany).</p> <p>4.14 In case of chargebacks of the payment methods (chargeback from direct debit, credit card not covered) in connection with the purchase of <b>Swisscows</b> services - regardless of the reasons for such chargebacks - the user's <b>Swisscows</b> services account will initially be blocked for <b>Swisscows</b> services for the duration of the default for security reasons. If the user does not make any payment even after a reminder with a reasonable deadline, <b>Swisscows</b> is entitled to invoice the user for the corresponding <b>Swisscows</b> service amount. If no payment is made by the end of the reasonable period set, <b>Swisscows</b> is entitled to extraordinary termination.</p>5. Age restriction<p> <b>Swisscows</b> services are offered exclusively to persons who are at least 13 years of age or to minors who have obtained the consent of their parents or legal guardians to open and maintain an account.</p>