[itsyaboi]

Is there a specific section of legalese you meant to link to? If not, it's a bit foolish on your part to expect the average (non-legal expert) to parse this. I let ChatGPT do it for me.

Prompt: Summarize the contents of EU 2015/2366

Response: EU 2015/2366, also known as the Payment Services Directive 2 (PSD2), is a European Union directive that regulates payment services and payment service providers within the EU. It aims to increase competition and innovation in the payments industry, as well as enhance security and consumer protection. The directive requires payment service providers to implement strong customer authentication for electronic payments, and also allows for the use of third-party providers for certain payment-related services, such as account information and payment initiation. Additionally, it also includes provisions for the protection of consumer rights, such as the right to a refund in case of unauthorized payment transactions. Overall, it's a set of rules to increase safety and transparency of online payments and to foster competition between payment service providers, which ultimately should lead to better services and lower prices for consumers.

The only consumer rights mentioned are the right to refunds for unauthorized transactions. To the best of my knowledge, these companies can choose to cease doing business with you for any or no reason at all. Feel free to prove me wrong.