Effective Date: 27.12.2024
Last Updated: 27.12.2024
This Credit Policy ("Policy") governs the purchase, use, and management of virtual credits ("Credits") provided by OfferSwap ("we," "us," "our"). Credits are available solely for purposes defined on the Platform and are subject to the terms outlined in this Policy.
1. What Are Credits?
Credits are virtual units provided by OfferSwap, used on the Platform to pay for specific functionalities and services. They do not represent real money and cannot be exchanged for cash unless explicitly stated in this Policy.
Credits can be used for:
Service Comparer contact information: Service Providers can use Credits to access contact information for Service Comparers to send proposals.
Other services: OfferSwap may offer additional services requiring Credits, as detailed on the Platform.
The Platform may also, in some cases, allow user-to-user transactions, enabling Credits to be transferred between users.
2. Purchasing Credits
Credits can be purchased exclusively through the OfferSwap Platform. Users will see prices and terms clearly displayed at the time of purchase.
2.1. Eligibility to Purchase
To purchase Credits:
The user must be registered on the Platform.
The user must be at least 18 years old.
OfferSwap reserves the right to refuse Credit purchase requests if we reasonably believe the user is underage.
2.2. Credit Account Loading
Credits are loaded onto the user’s account immediately upon successful payment. Users can view their purchase history and Credit balance on their account page.
3. Using Credits
Credits are available for use solely on the Platform, under the following conditions:
3.1. Purpose of Use
Credits are intended for specific Platform functionalities, such as accessing Service Comparer contact details or paying for other services.
Credits cannot be used for any activities outside the Platform.
3.2. Transferability
The Platform may, in some cases, allow user-to-user transactions, enabling Credits to be transferred between users.
3.3. Non-Refundable
Credits are non-refundable and cannot be exchanged for cash.
4. Refund Policy
OfferSwap provides refunds for Credits only under the following circumstances:
4.1. Refund Eligibility
A refund may be granted if the Service Comparer has already made a purchasing decision before the Service Provider was able to submit their proposal.
4.2. Non-Refundable Situations
Refunds are not granted in the following cases:
Credits have been misused or used in violation of this Policy.
The Service Provider is unable to reach the Service Comparer.
4.3. Claims and Licenses
Refund claims must be submitted within 14 days of using the Credits. OfferSwap reserves the right to approve or deny refund claims at its sole discretion.
Paid licenses may include extended warranties for refund eligibility. License terms and the scope of extended warranties are governed separately.
5. User Responsibilities
5.1. Accuracy of Information
The user is responsible for ensuring that all provided information is accurate and up-to-date. Failure to do so may result in suspension or removal of Credits.
5.2. Unauthorized Use
Credits must not be used for fraudulent purposes or acquired through dishonest means.
5.3. Account Security
Users are responsible for securing their accounts, including protecting login credentials. OfferSwap is not liable for unauthorized account use resulting from the user’s failure to maintain account security.
6. Credit Management
Users can view their Credit balance, purchase history, and transfer history directly through their account on the Platform.
OfferSwap reserves the right to:
Remove or restrict Credits if obtained or used fraudulently.
Modify Credit features, terms, or usage as part of Platform updates.
7. Changes to This Policy
OfferSwap reserves the right to update this Policy. Changes will be published on this page, along with the effective date. Users are encouraged to review the Policy periodically. Continued use of the Platform after updates constitutes acceptance of the revised Policy.
8. Limitations and Liability
OfferSwap does not guarantee the continuous availability or functionality of Credits. Users acknowledge that:
Issues such as technical errors may delay Credit availability.
OfferSwap is not liable for any damages related to Credits unless required by law.
9. Contact Information
For inquiries about this Policy or Credits, please contact us:
OfferSwap Oy
Address: Palokunnankatu 28 Lh5, 13100 Hämeenlinna, Suomi
Company ID: 3466554-5
VAT ID: FI34665545
Email: contact@offer-swap.com