Effective Date: 27.12.2024
Last Updated: 27.12.2024
These Payment Terms (“Terms”) govern the purchase and use of credits (“Credits”) on OfferSwap’s platform (“Platform”). By purchasing Credits, you (“User,” “you,” “your”) agree to these Terms, which are part of OfferSwap’s Terms of Use and Credit Policy. If you do not agree to these Terms, you may not purchase or use Credits.
1. Overview of Credits
Credits are a virtual currency offered by OfferSwap that can be used solely on the Platform to access certain services, such as acquiring contact information for Service Comparers or other services specified on the Platform.
Purpose: Credits are used exclusively for services within the OfferSwap Platform.
Non-Monetary Value: Credits are not real money, non-transferable for cash, and cannot be redeemed outside the Platform unless explicitly stated in these Terms.
2. Payment Methods
Credits can be purchased via:
Stripe Integration: Using a valid credit card.
Invoice Payment: For eligible Users, Credits may also be purchased via invoicing as agreed with OfferSwap.
OfferSwap reserves the right to determine the payment methods available to individual Users and may require additional verification for invoice payments.
3. Purchasing Credits
3.1. Eligibility
To purchase Credits, you must:
Be a registered User of the Platform.
Be at least 18 years of age.
OfferSwap reserves the right to deny any request to purchase Credits if we reasonably believe you do not meet these eligibility criteria.
3.2. Credit Account Loading
Credits purchased through Stripe or invoicing will be added to your account immediately upon successful payment or invoice issuance.
4. Commitment to Pay for Invoices
By purchasing Credits through invoicing, you commit to paying the full amount of the invoice by the specified due date. Failure to pay will result in the following actions:
Your account will be frozen, restricting access to services and Credits.
The outstanding invoice will be collected, including applicable late payment interest, in accordance with Finnish law or other applicable regulations.
OfferSwap reserves the right to pursue legal action to recover the unpaid amount.
5. Pricing and Taxes
5.1. Excluding VAT
The prices for Credits displayed on the Platform are exclusive of VAT.
5.2. VAT Application
For Finnish Users: VAT at 25.5% will be added to the price during checkout.
For Users outside Finland: Payments are VAT-exempt unless otherwise required by applicable tax regulations.
Users are responsible for any additional fees related to their payment method, such as currency exchange or bank processing charges.
6. Refund Policy
OfferSwap has a strict no-refund policy for Credits, except in the following cases:
6.1. Eligible Refunds
Credits were purchased but not delivered due to a technical error.
A Service Comparer completed a purchase decision before the Service Provider could send an offer.
6.2. Ineligible Refunds
Credits were used incorrectly or in violation of these Terms.
Service Providers fail to contact Service Comparers successfully.
Refund requests must be submitted within 14 days of the purchase. OfferSwap reserves the right to approve or deny refund requests at its sole discretion.
7. Use of Credits
7.1. Usage
Credits can be used only for designated services within the Platform, such as accessing Service Comparer contact information or other specified services.
7.2. Transferability
In some cases, Credits may be transferred to other Users on the Platform, subject to rules and conditions displayed during the transfer process.
7.3. Expiration
Credits do not expire unless specified by OfferSwap or terminated under these Terms.
7.4. Non-Redeemable
Credits cannot be exchanged or redeemed for real money.
8. Recordkeeping and Account Management
Users can view their Credit balance, purchase history, and usage records through their OfferSwap account. It is the User’s responsibility to report any discrepancies within 14 days of identifying an issue.
9. Payment Disputes
OfferSwap reserves the right to suspend or revoke Credits if a payment dispute arises, including chargebacks or unauthorized transactions. Users are responsible for resolving any payment disputes directly with their payment provider.
10. Modifications to Credit Terms
OfferSwap reserves the right to modify these Terms at any time. Changes will be posted on the Platform with an updated effective date. Continued use of Credits after modifications constitutes acceptance of the revised Terms.
11. Limitations of Liability
OfferSwap is not liable for:
Technical failures resulting in delayed or incorrect Credit purchases.
Loss of Credits due to unauthorized account access if caused by User negligence.
Indirect, incidental, or consequential damages arising from the use of Credits.
Our maximum liability under these Terms is limited to the value of unused Credits in your account.
12. Governing Law and Dispute Resolution
These Terms are governed by the laws of Finland. Any disputes arising under these Terms shall be resolved through arbitration in Finland, unless otherwise required by applicable law.
13. Contact Information
For inquiries related to Credit purchases or these Terms, please contact:
OfferSwap Oy
Address: Palokunnankatu 28 Lh5, 13100 Hämeenlinna, Suomi
Company ID: 3466554-5
VAT ID: FI34665545
Email: contact@offer-swap.com