M'sila: 01/07/2024
Specific Terms of Use for Chargily Pay™ For Final E-Consumers
Preamble
Our payment gateway allows you to perform online transactions using CIB and EDAHABIA cards. By using our gateway, you confirm that you are the authorized holder of the card used to make the payment. By accessing and using our service, you agree to comply with these terms.
Object
these specific terms of use (STU) aim to define the conditions and modalities in which Chargily Pay™ offers FINAL E-CONSUMERS the use of its online payment service. This service allows you to pay for your online purchases using CIB and EDAHABIA cards.
Definitions
In accordance with these specific terms of use, the following definitions are established:
ORDER
Refers to the means by which the MERCHANT commits to purchasing online services sold by the E-SUPPLIER, who in turn commits to delivering them in accordance with the applicable legislative and regulatory provisions.
ELECTRONIC PAYMENT RECEIPT:
An electronic document automatically displayed at the end of each order using EDAHABIA and the CIB cards; with the option to print or save a series of information related to the MERCHANT, FINAL E-CONSUMER and the transaction details.
E-SUPPLIER:
Refers to the company CHARGILY EURL, which offers the electronic provision of the service defined in these Specific Terms of Use (STU).
E-CONSUMER / MERCHANT:
Any individual or legal entity that acquires a service through electronic communication from the E-SUPPLIER for final use.
FINAL E-CONSUMER:
Refers to an individual who purchases products or services through e-commerce platforms for personal use and not for resale. This term emphasizes that these transactions occur online via websites or mobile applications.
MERCHANT SITE:
Refers to the virtual store where the MERCHANT offeres their products and services.
EDAHABIA CARD:
A payment card linked to a Postal Current Account, compliant with required standards, serving as an authorized payment method for conducting electronic transactions.
CIB CARD:
An interbank card that allows you to perform your daily transactions securely, 24 hours a day, 7 days a week.
SPECIFIC TERMS OF USE "STU"
A set of conditions displayed on the E-SUPPLIER'S site governing the use of the electronic payment service.
ELECTRONIC PAYMENT:
A service that enables the holder of EDAHABIA card and the CIB card, in their capacity as a FINAL E-CONSUMER, to carry out payment transactions for services/products on the MERCHANT'S site.
The terms of use for Chargily Pay™ service are the following:
1- FINAL E-CONSUMER using Chargily Pay™ platform must be over 18 years old.
2- FINAL E-CONSUMER hereby affirms and commits that the CIB and EDAHABIA cards used during the payment operation are their own personal cards, and they assume full responsibility for any consequences arising from the use of these cards.
3- FINAL E-CONSUMER must use valid and non-expired CIB or EDAHABIA cards to make payments via Chargily Pay™.
4- FINAL E-CONSUMER must ensure that the CIB or EDAHABIA card information used is accurate and up-to-date at the time of the transaction.
5- FINAL E-CONSUMER must immediately inform the relevant financial institutions of any loss or theft of their CIB or EDAHABIA cards to prevent unauthorized use.
6- Chargily Pay™ will not be responsible for any losses or damages resulting from the incorrect or unauthorized use of the FINAL E-CONSUMER'S cards
7- In case of a dispute regarding a transaction, FINAL E-CONSUMER should contact the relevant MERCHANT directly before contacting Chargily Pay™.
8- Transactions made via Chargily Pay™ can only be canceled or refunded according to the refund policy of the MERCHANT.
10- FINAL E-CONSUMER must understand that Chargily Pay™ has no control over the security policies and practices of the MERCHANT'S websites but will act as an intermediary to help resolve disputes.
11- FINAL E-CONSUMER has the right to obtain a receipt following each completed payment operation.
12- FINAL E-CONSUMER should retain a copy of the payment receipt for security reasons.
13- FINAL E-CONSUMER are required to follow the terms of use for CIB and EDAHABIA cards as set by their respective financial institutions.
14- Chargily Pay™ will take legal action against any client who uses the platform for any illegal purpose or engages in defaming its reputation.
15- Chargily Pay™ reserves the right to modify this policy at any time without prior notice.
Refund Policy
Our refund policy is designed to ensure a fair and transparent customer experience. Please read the Refund Request
Refund Request
The refund request must be made by the interested FINAL E-CONSUMER and must be sent directly to the MERCHANT via their application or website, who may accept or reject it with a reason. In case of disagreement, please contact us by email at support@chargily.com , providing the transaction details and the reason for your refund request. Chargily Pay™ will act as an intermediary to help resolve disputes and will review each refund request on a case-by-case.
Refund Process and Conditions
16- FINAL E-CONSUMER can request a refund from the MERCHANT according to their refund policy
17. Depending on the request and situation, a partial or full refund may be provided.
18- The MERCHANT will assess your request and may either approve or deny it, providing a reason for their decision.
19. In case of a disagreement with the MERCHANT, processing or service fees may be deducted from the refunded amount
20. Requests will be processed within a reasonable timeframe, which may vary depending on the case.
21. If you believe an unauthorized transaction has occurred, contact the MERCHANT immediately for investigation and appropriate measures.
22. In case of a dispute over a refund, we will seek to resolve the issue fairly. If no agreement is reached, disputes will be subject to applicable laws and regulations.
Obligations of the E-Supplier
The E-SUPPLIER commits to making efforts to facilitate the payment process between the MERCHANT and their FINAL E-CONSUMERS, ensuring a smooth and efficient transaction experience.
Obligations of the Final E-Consumer
The FINAL E-CONSUMER agrees not to use our payment gateway for illegal, fraudulent, or unethical purposes.
Applicable Law
These specific conditions are governed by Algerian law.
Modification
Chargily Pay™ may modify or update these conditions at any time if necessary.
Entry into Force
The Specific Terms of Use (STU) become effective upon acceptance by the final e-consumer or upon use of the service, and remain valid until the completion of the service and its full delivery.
