Welcome to Send Credit!
These are the Terms and Conditions (“Terms”) applicable to all services and products offered on Send Credit.
Please read them carefully, as well as our Privacy Policy, before proceeding, as they set out the contractual basis for any transactions occurring on Send Credit.
“Send Credit” is an e-commerce platform accessible via the website (www.sendcredit.com) or via the app Send Credit.
By continuing to use Send Credit, you (“Customer” ) are acknowledging that you have read and agree to the Terms, as well as to the Privacy Policy, when purchasing services and products from Send Credit.
If you do not agree with these Terms and the Privacy Policy, you are not allowed to continue using Send Credit and we ask you to please refrain from doing so.
These Terms are agreed between you and the following counterparty, depending on what you are using Send Credit for:
All of these companies, together with any other parent companies, subsidiaries or affiliates, are referred to herein as the “Send Credit”.
You can contact Send Credit directly by email to support@sendcredit.com
Send Credit is an electronic commerce platform specialized in the resale of closed-loop gift cards, vouchers and phone top-ups (“Product” or “Products”), of fixed or variable amounts, in different currencies, that can be redeemed by the Customer at the issuer’s store, in exchange for services and products offered by such issuer.
Send Credit offers different Products depending on the Customer’s country. Send Credit allows the Customer to select their country and displays all the offers available in that country.
Send Credit does not guarantee that a Product purchased from one country page will work when used in a different country and therefore strongly advises Customers to read the terms and conditions of each particular Product.
Although we strive to present updated terms and conditions for all products, we do not make any representation in that regard. You should confirm the applicable terms and conditions of the Product you are purchasing from us directly on the website of the issuer of each product.
Some Products sold are geographically limited to certain countries. In these cases, if you are attempting to purchase from a country that is not allowed by a Product’s terms and conditions, such a purchase will not be possible.
If you circumvent our geo-blocking systems to acquire a Product that is not available in your country, you are violating these Terms and Conditions and we may suspend or remove your account. We are also not liable for any redemption issues you may find, and we will not provide a refund in those cases.
Upon selection and payment, the Customer will receive access to the Product either on screen or by email to their email account.
Products can only be delivered as unsealed.
An unsealed Product is an alphanumeric code representing the Product. Orders are processed immediately and the Products are delivered either immediately or within a few minutes of receiving a successful payment, depending on the Product purchased.
There can be delays that are outside of our control, such as, but not limited to: (i) force majeure; (ii) unexpected outages; (iii) failure to send a correct payment.
Send Credit will endeavour to keep expected timescales transparent, but shall not be held responsible for delays and losses caused by the Customer or third parties.
In case your Product does not arrive within 30 minutes of successful payment, please contact support@sendcredit.com.
Your use of the Gift Card and Top-Up products is continuously monitored to ensure the safety and regulatory compliance of Send Credit’s platform. Suspicious transactions will be reported to competent authorities and you may be required at any time to complete a KYC program to continue to use these services.
Send Credit may, from time to time, and in partnership with other providers, offer products other than the gift card and top-up Products or the Bill Payment Products described above. Such products shall be governed by specific sections of these Terms.
The Products can be purchased by the Customer directly via credit card or PayPal. Send Credit may add more modes of payment in the future and they may or may not be available in certain jurisdictions.
The proper functioning of Send Credit depends on its interaction with several third-party providers.
Transactions may, from time to time, fail due to technical or other reasons. Customers, therefore, acknowledge that we may not be liable for a technical issue that may affect their transaction. Whenever a transaction fails due to technical reasons, a Customer may qualify for a refund. Please see the "Refunds" section below to know more.
We implement certain purchasing thresholds in accordance with our Anti-Money Laundering Policy, depending on the level of account of the Customer. All limits are presented in USD but apply to the equivalent amount in other currencies.
Different limits can be implemented on a product by product, or customer by customer, basis, at the request of Product Issuers or discretionarily by us.
Any Customer using more than one Send Credit account, or any other expedient, in order to circumvent the limits below, is in breach of these Terms and can have its account, or accounts, suspended until customer due diligence is successfully completed.
To the extent necessary under applicable laws and regulations or our internal policies, such illegal circumvention of the use limitations may be reported to the relevant authorities, whenever it reveals, in our sole understanding, signs of suspicious activity.
Registered users:
Please note that due to the nature of the Products, the Customer does not have a cooling-off period of any kind after acquiring a Product. Once a Product is purchased, no refunds or reimbursements will be offered unless in the cases where the product delivered is invalid or had already been redeemed prior to delivery. If this is not your case, we will not issue a refund.
As explained above in “Availability of Third-Party Services”, the purchase of Products through Send Credit depends on the proper functioning of third-party systems.
Therefore, from time to time, the failure of such systems may cause a transaction to fail, meaning:
In these cases, the Customer qualifies for a refund.
In case the Customer does not receive the Product after having paid and appropriate diligences are taken by Send Credit to provide for the delivery of the Product or understand the cause of the delay, the Customer may request a refund.
In case the Product was received but cannot be redeemed, the Customer shall inform us. We will then start appropriate diligences with the relevant third-party providers in order to correct the issue. Should the third-party provider fail to correct the issue and agree to refund us, we will then refund the Customer.
In case of technical error causing the Product not to be delivered to the Customer, we will refund the Customer in full by crediting its Send Credit Balance or with a return transaction in the same cryptocurrency.
In case of overpayment, a Customer may also request a refund in the amount paid in excess, deducted from any transaction fees.
In case of underpayment, a Customer may (i) pay the outstanding amount and receive the Product or (ii) ask for a refund in the same currency, deducted from any transactions fees.
In case of balances exceeding the applicable limit a refund will be issued to a Customer upon mandatory identity verification of the account holder. Refusal to conduct verification may lead to Send Credit freezing the account and any remaining credit until such verification is completed.
Customer verification may also be demanded in order to process exceptional refunds or in situations where Send Credit deems it necessary for compliance reasons.
If you qualify for a refund, you must request it within 30 days from the date of the transaction. After 30 days, the decision to issue a refund or not is made at the sole discretion of Send Credit.
Please note that we do not, in any event, refund any transaction fees paid by the Customer that are specific to the payment option selected by the Customer.
We reserve the right to refuse refunds when the costs of refunding exceed the amount to be refunded. The amount of time required to process any refunds request will vary and may take some time.
We also reserve the right to ask you for further information before issuing refunds.
For the purposes of requesting a refund or any further information, the Customer shall contact support@sendcredit.com or use the live chat available at Send Credit website.
From time to time, Send Credit may give rewards or prizes in the context of organized campaigns or contests, in the website, in other websites or on social media.
Unless expressly communicated otherwise, each Customer may only apply once, with one account, to these rewards or prizes.
Send Credit reserves the right to cancel, suspend or claw back any reward or prize awarded if it has reason to suspect that a Customer infringed any rules or attempted to abuse the campaign or contest.
Send Credit also reserves the right to cancel campaigns and contests at any point without awarding the prize or reward, if it has reason to believe there was abuse.
We are a reseller of the Product. We are not the creator, designer, issuer, organizer, beneficiary or manager of the Product (the “Issuer”), nor have we played any role in deciding the terms and conditions applicable to each Product. Therefore, we are not liable for any issue, damage or loss arising from the terms and conditions of each individual Product.
We are not sponsored by any Issuer, nor are we related, acting on behalf or under the express authorisation of any Issuer. We are not liable for any malfunction or any infringement of applicable rules caused by the Issuer.
The Customer, by acquiring the Product, is also entering into a contractual relationship with the Issuer, to which we are a third-party, against which the contractual defences and rights arising from the relationship between Customer and Issuer shall not apply.
The Customer shall engage in adequate due diligence regarding the terms and conditions of the Product being acquired, in what respects its usability and enforcement against the Issuer. We will not accept any liability for any claims in relation thereto. Those terms and conditions govern the Product acquired.
Customers acknowledge and agree that we are not liable for any decision or policy of the Issuer to refuse to accept the Product on the grounds of the terms and conditions that the Issuer applies in relation to the Product.
We make no representation regarding the Product’s suitability for its intended use and make no other guarantees, warranties or representations in respect of the Product.
The Customer is fully liable for any mistakes, losses or damages (against himself, us, or any third-party) arising from (i) the provision of incorrect, inaccurate or fake information and from (ii) the acquisition, resale, use or other related activities of the Product, in a manner that infringes any applicable laws, regulations, contractual terms and conditions or other agreements.
For the avoidance of doubt, when the Product being purchased is a refill of a prepaid SIM card (or any other Product that is redeemed by the Customer through Send Credit), the Customer is solely responsible for the accuracy and correctness of the information inserted on the platform (including, but not limited to, the phone number, the country, the network operator and the amount of the top-up) and we shall not be liable, in any case, for any consequences arising from the inaccuracy of the elements provided by the Customer.
Likewise, in other cases, the Customer is solely responsible for the accuracy, validity and correctness of the information inserted on the platform (including, but not limited to, the email address to which the Product must be delivered and the amount purchased).
The Customer is responsible for maintaining the confidentiality of its password and account and for any activities and transactions that occur under its account. Each customer must have unique login credentials that may not be shared by multiple customers.
We shall not be liable to any person for any loss or damage which may arise as a result of any failure by you to protect your password or account. If you suspect there has been unauthorized access to your account, contact support@sendcredit.com immediately.
Send Credit and the Products shall not be used, in any way, to infringe or circumvent the applicable laws and regulations and any unlawful behavior is absolutely forbidden on Send Credit.
Should we become aware, or reasonably suspect, that a Customer is conducting unlawful activities, or otherwise breaking applicable laws and regulations, or third-party rights, such Customer activities, including but not limited to its purchase history and other data pertaining to its account, will be reported to the relevant authorities, and its access may be restricted until further notice.
Any Customer hereby acknowledges and consents to this approach and to any such disclosures.
Send Credit is also entitled to freeze any existing balances and/or accounts for as long as needed for the purpose of investigating suspicious behavior. We may be required to not disclose any such ongoing investigations to Customers, in which case we will keep them confidential.
Customers are intended end-users of the Products. If you want to purchase Products for resale, please reach out to us at support@sendcredit.com and we will guide you through the process.
If we suspect you are buying Products for resale, we may freeze your account until further verification.
Furthermore, Customers agree to not abuse the Send Credit platform by:
Unless expressly agreed in a contract between Send Credit and the Customer, Products purchased through Send Credit may not be re-sold and shall be redeemed only either by the Customer, on the Customer’s behalf or by someone to whom the Customer has gifted the Product.
Some jurisdictions limit the ability to disclaim liability. With regard to those jurisdictions, our liability shall be limited to the greatest extent permitted by applicable law.
No members of our team (including employees, contractors, directors, management members and other collaborators) shall have any liability based upon customer’s use of, or reliance upon, Send Credit or the Products purchased.
For the avoidance of doubt, we are not responsible for any decision you make, or action you take, based on your visit to Send Credit or the information obtained therein.
We shall not be liable to any person for any loss or damage which may arise from the use of any of the information contained in any of the materials on Send Credit.
We work hard to keep Send Credit secure. We accept no responsibility whatsoever for viruses, malware or other malicious or damaging software on Customer’s devices. Please ensure that your own computer security is comprehensive and up to date.
This website may include links to third-party websites, plug-ins and applications. For example: if we link you to a tweet on Twitter, or to a post on Medium, or to the Terms & Conditions page of one of the Issuers of the Products, from the moment you click on that link, we are no longer responsible for the content you are seeing or have access to.
We do not control these third-party websites and do not accept any responsibility whatsoever for third-party sites available through Send Credit, via hyperlink or otherwise, nor their respective contents, hyperlinks or security flaws. We encourage any Customer to review the terms of use applicable to those sites. Any access to, or use of, a third-party site is solely at the Customer’s own risk.
We take the privacy and protection of the personal data of our Customers very seriously.
Customers shall visit and review our Privacy Policy to know more about how we process and protect their personal data. Do not proceed with using Send Credit if you do not agree and consent with it.
We require that Customers keep their personal data up to date. You are required to notify us without delay of any changes of your personal data.
Send Credit follows industry best practices for security and availability. This includes automated vulnerability detection, high availability cloud platforms (aiming for at least 99,99%), automated alert reporting and peer review of code changes.
We reserve the right to amend these Terms from time to time, to add, amend or remove provisions. We may do so without prior and/or public notice.
The date of the last amendment will be presented prominently on the top of this page and Customers agree to refer to the present hyperlink before each navigation of Send Credit and before completing a transaction.
We reserve all rights with respect to the design and content of Send Credit. In particular, Customer must not misappropriate the design or content of Send Credit and must not alter or deface such design or content in any way.
Nothing on Send Credit grants any license with respect to such design or content and any use by the Customer or a third-party must be authorized in writing by us.
All text, photos, graphics, logos, content and other materials on Send Credit are protected by copyright, trademark and other applicable laws in the several jurisdictions where we act.
In particular, all trademarks, trade names and logos displayed on Send Credit are our property.
Send Credit grants no license to use any such text, photos, graphics, logos, content and other materials.
We and our affiliates will pursue all available legal remedies against any infringement of our intellectual property rights.
Excepted from the foregoing are the logos and trademarks used to signal the third-party providers to which each Product refer to. Such logos and trademarks are used to make reference to the Product and the Issuer, and in no way are we claiming, or representing, any sort of ownership, license, authorization, partnership or agreement with the owners or holders of the rights of such logos or trademarks, the Products or the Issuers.
Such logos and trademarks belong to their lawful owners and are used in Send Credit with the sole purpose of identifying the origin or intended use of the Product on sale.
We welcome our Customer’s questions and suggestions.
On Send Credit, there is a chat function that allows Customers to connect with a customer service representative that will reply to any queries in the shortest time possible.
We do our best to reply within the first 24 hours, but we may take longer, depending on the issue and the number of requests we are getting from time to time.
In case the Customer, for any reason needs to get in contact with us, please use the following address – support@sendcredit.com.
If it is illegal or prohibited in the Customer’s country of origin to access or use Send Credit, or to buy or use any of the Products, then the Customer shall not do so and in doing so is breaching these Terms.
Those who choose to access Send Credit access it on their own initiative and are responsible for compliance with all local laws and regulations.
You should be at least 16 years old (or higher, if a higher age is required in your jurisdiction in order for you to be able to legally conclude a contract) to use Send Credit services, or otherwise duly authorised and supervised by your parents. Certain Products, such as the Send Credit Card, may be restricted to Customers with at least 18 years of age.
These Terms, the transactions between Customers and us made through Send Credit, and any disputes relating to these Terms or the Customer’s use of Send Credit, shall be governed in all respects by the laws of United Kingdom and shall be resolved exclusively in the courts of United Kingdom.
These Terms, together with the Privacy policy and the Cookies policy, set forth the entire agreement between the Customer and us with respect to the subject matter hereof and supersedes all prior agreements relating to such subject matter. They remain in force for as long as you remain a Customer.
All our team members, including officers, employees and contractors, and related entities, are intended third-party beneficiaries of these Terms. Theirs and our rights under these Terms may be waived by them or by us only in writing.
The English version of these Terms and any other rules available in Send Credit shall prevail over any translations available in Send Credit.
In the event any provision of these Terms is determined to be invalid or unenforceable, such provision shall be deemed severed from the remainder of these Terms and replaced with a valid and enforceable provision as similar in intent as reasonably possible to the provision so severed, and shall not cause the invalidity or unenforceability of the remainder of these Terms.
