SPECIAL TERMS FOR PAYMENTS, WALLET AND REFUNDS These Special Terms for Payments, Wallet and Refunds (hereinafter, the “Special Terms”) govern the general conditions for making payments on the Tender.am electronic platform, funding and using the Wallet, charging amounts for Paid Services, automatic or deferred Charges, erroneous and duplicate Charges, and refunds. The operator of the Tender.am Platform is Barrus Group LLC (hereinafter, the “Operator”). These Special Terms form an integral part of the Platform's Public Agreement for the Provision of Information and Other Services. Capitalized terms used in these Special Terms and not separately defined herein have the meanings assigned to them in the Public Agreement. 1. GENERAL PROVISIONS 1.1. Registration on the Platform and creation of an Account are free of charge. Individual Platform Services and functions may be provided on a paid basis. 1.2. The types of Paid Services, their prices or pricing mechanisms, validity periods, scope of use, limitations, and other special conditions are established and made available to the User on the Platform. 1.3. The Platform may offer Paid Services both at a predetermined fixed price and at a price calculated based on parameters selected by the User, the scope of the service, its validity period, intensity of use, or other criteria. 1.4. A corresponding payment obligation arises for the User only where the User performs an action confirming the purchase of a Paid Service or has previously accepted the terms applicable to the relevant service providing for a subsequent, recurring, automatic, or other Charge. 1.5. Funding the Wallet does not, by itself, constitute the purchase of any specific Paid Service. 1.6. The special terms applicable to a particular service govern the specific features of that service, while these Special Terms apply to general matters relating to payments, the Wallet, Charges, and refunds. 1.7. In the event of a conflict between the special terms applicable to a particular service and these Special Terms, the special terms applicable to that service prevail in matters directly relating to the specific features of the service, provided that this does not conflict with mandatory requirements of applicable law. 2. WALLET AND WALLET BALANCE 2.1. The Platform may provide the User with a Wallet, which constitutes an internal accounting system for amounts prepaid by the User and not yet used to purchase Paid Services. 2.2. The Wallet is not a bank account, payment account, deposit, electronic money, or any other independent payment instrument. 2.3. The amount reflected in the Wallet represents the unused portion of the prepayment made by the User for the subsequent purchase of Paid Services available through the Platform. 2.4. No interest, income, or other remuneration accrues on the Wallet Balance. 2.5. The Wallet Balance may be used to pay for Paid Services available on the Platform in accordance with the terms applicable to the relevant services. 2.6. Unless expressly provided otherwise on the Platform, the Wallet Balance may not be transferred from one Account to another. 2.7. The Wallet Balance may not be used to pay for goods, services, or other obligations outside the Platform. 2.8. The User may view the available Wallet Balance and, within technical capabilities, the history of Wallet transactions in the Personal Area. 3. WALLET FUNDING 3.1. The User may fund the Wallet using the payment methods available on the Platform at the relevant time. 3.2. Available payment methods may include:
3.3. The Operator may modify, add, or discontinue the availability of individual payment methods. 3.4. The amount of Wallet Funding is reflected in the Wallet after confirmation of the corresponding payment. 3.5. The time required to confirm a payment may depend on the relevant bank, processing center, payment system, or selected payment method. 3.6. When making a payment by bank transfer, the User must provide the relevant information or payment reference required by the Operator for proper identification of the payment. 3.7. Where a payment cannot be identified due to incorrect or incomplete information provided by the User, Wallet Funding may be delayed until the payment is properly identified. 3.8. Fees charged by third-party payment service providers, if any, may be charged in accordance with the terms of the relevant service provider. 3.9. The amount payable is made available to the User before the payment is made. 4. PRICING OF PAID SERVICES 4.1. The price of a Paid Service may:
4.2. Where the price of a service is calculated based on the User's selections, the final price or the price calculated at the relevant time is displayed to the User before the purchase of the service is confirmed. 4.3. Where, due to the nature of the service, the exact amount of each future Charge cannot be determined in advance, the User is provided with the applicable pricing mechanism and principal charging conditions before providing consent. 4.4. The Operator may change the prices of Paid Services, pricing mechanisms, coefficients, and other pricing conditions. 4.5. Pricing changes apply to new purchases or new payment obligations arising after such changes enter into force. 4.6. A pricing change may not retroactively increase the price of a service already purchased and fully paid for, except where required by law. 4.7. Where a new price will apply to a subsequent period of a continuous or recurring service, the new price is made available to the User before a new payment obligation arises at that price, in accordance with the terms applicable to the relevant service. 5. CHARGES FROM THE WALLET 5.1. The price of a Paid Service may be charged from the User's Wallet on the basis of:
5.2. Each Charge must comply with the terms and pricing rules applicable to the relevant service at the relevant time. 5.3. As a result of a Charge, the Wallet Balance is reduced by the price of the relevant service. 5.4. If the Wallet Balance is insufficient, the Paid Service may not be activated, may be suspended, or may not continue, depending on the terms applicable to the relevant service. 5.5. Where the nature of a service permits partial payment or another payment mechanism, the relevant conditions are established by the special terms applicable to that service. 5.6. Information concerning a Charge may be displayed in the User's Personal Area or transaction history. 6. AUTOMATIC, RECURRING AND DEFERRED CHARGES 6.1. Individual Platform Services may provide for automatic, recurring, or deferred Charges. 6.2. Such Charges may be made only where the User has previously accepted the terms applicable to the relevant service and provided the necessary consent. 6.3. The terms applicable to the relevant service must establish or make available to the User:
6.4. If there is an insufficient Wallet Balance at the time of an automatic Charge, the Charge may not be made, and the relevant service may not be activated, may be temporarily suspended, or may not continue. 6.5. Where the terms applicable to the relevant service provide for a repeated Charge attempt, such an attempt may be made only within the scope of the terms previously accepted by the User. 6.6. The User may discontinue future automatic Charges in the manner provided by the terms applicable to the relevant service. Such discontinuation does not extinguish payment obligations properly arising before it takes effect. 7. SERVICE ACTIVATION AND TIME OF PROVISION 7.1. A Paid Service is considered activated when the Platform makes the relevant service or functionality available to the User, unless otherwise provided by the special terms applicable to the relevant service. 7.2. Depending on the nature of the service, it may be provided through a one-time action, over a specified period, by providing a specified volume of use, or upon the occurrence of a defined conditional event. 7.3. For notification or information provision services, the time and scope of service provision are determined by the special terms applicable to the relevant service. 7.4. Where a Paid Service has been properly activated or made available to the User, the User's failure to actually use the service does not, by itself, mean that the service was not provided. 8. ERRONEOUS AND DUPLICATE CHARGES 8.1. If the User believes that an erroneous, duplicate, or unauthorized Charge has occurred, the User may contact the Operator. 8.2. The request must contain information reasonably necessary to identify the relevant transaction. 8.3. The Operator reviews the relevant transaction and, where necessary, may request additional information from the User or the relevant payment service provider. 8.4. In the event of a confirmed duplicate or erroneous Charge, the corresponding amount is:
8.5. Where the disputed Charge was made through the User's Account but there are indications of unauthorized Account use, the Operator may temporarily restrict the relevant functions for the purpose of conducting a security review. 9. REFUND OF UNUSED WALLET BALANCE 9.1. The User has the right to request a refund of the monetary balance available in the Wallet and not yet used to purchase Paid Services. 9.2. The refundable amount is determined based on the actual unused Wallet Balance available at the time the refund request is submitted. 9.3. To request a refund, the User submits the relevant request through a communication method designated by the Operator on the Platform. 9.4. The Operator may request information necessary to identify the refund request, verify the User's identity, and identify the relevant payment. 9.5. Where the Wallet was funded by bank card, the refund is generally made by reversing or refunding the corresponding card transaction, where technically and legally possible. 9.6. A payment made by bank transfer may be refunded to the corresponding bank account. 9.7. Where the Wallet was funded through multiple payments or different payment methods, the technical method of refund may be determined taking into account the relevant transactions and applicable payment rules. 9.8. The time required for refunded funds to be actually credited may depend on the relevant bank, card scheme, or other payment service provider. 10. REFUNDS FOR PURCHASED SERVICES 10.1. An amount charged for a Paid Service that has already been properly provided, activated, or made available to the User is not refundable solely because the User did not use or did not fully use the service. 10.2. An amount may be refunded in full or in part where:
10.3. Where only part of a service has been provided and the applicable terms provide for a partial refund, the refundable amount may be calculated based on the value of the unprovided portion. 10.4. Where the price of a service was calculated based on individual parameters or volume of use, the refund amount may be calculated in accordance with the pricing mechanism applicable to the relevant service. 10.5. This Section does not limit any User rights that cannot be restricted by contract under applicable law. 11. ACCOUNT CLOSURE AND THE WALLET 11.1. Closure of the Account does not, by itself, extinguish the User's right to request a refund of any refundable unused Wallet Balance. 11.2. Upon Account closure, the Operator may provide the User with an opportunity to request a refund of the unused balance before final closure of the Account or thereafter. 11.3. Closure of the Account does not extinguish payment obligations properly arising before the time of closure or reverse Charges made for services already provided. 11.4. Where an Account has been restricted or closed due to security concerns, unauthorized use, or reasonable suspicion of fraud, a refund may be temporarily suspended to the extent reasonably necessary to conduct the relevant review and permitted by applicable law. 12. PAYMENT SERVICE PROVIDERS 12.1. Payments on the Platform may be processed through third-party banks, processing centers, or payment service providers. 12.2. Such service providers may apply their own terms, security requirements, and transaction processing rules. 12.3. The Operator is not responsible for failures or delays affecting third-party payment infrastructure that are outside the Operator's reasonable control. 12.4. This provision does not release the Operator from obligations directly imposed on it by law. 13. PAYMENT AND ACCOUNTING DOCUMENTS 13.1. Accounting, tax, and other documents relating to payments and services are provided in the cases and manner required by the applicable laws of the Republic of Armenia. 13.2. The User must provide accurate information necessary for the proper preparation of relevant documents. 13.3. Documentary discrepancies resulting from incorrect or incomplete information provided by the User may be corrected to the extent permitted by applicable law and technical capabilities. 14. PAYMENT SECURITY 14.1. The Operator applies reasonable organizational and technical measures appropriate to the nature of its activities to protect payment transactions and related data. 14.2. Complete bank card details may be processed directly by the relevant bank, processing center, or payment service provider. 14.3. The User must not disclose confidential Account, bank card, or payment instrument information to unauthorized third parties. 14.4. In the event of suspected unauthorized use, the User should immediately contact the relevant bank or payment service provider and, where necessary, notify the Operator. 15. CHANGES TO THESE SPECIAL TERMS 15.1. The Operator may amend these Special Terms by publishing a new version on the Platform. 15.2. Users are notified of material changes through the Platform. 15.3. New terms apply to new payment transactions and obligations arising after such terms enter into force. 15.4. Amendments may not retroactively alter, to the detriment of the User, the principal payment terms of a service already fully purchased and paid for, except where such amendments are mandatory under applicable law. 16. APPLICABLE LAW AND DISPUTE RESOLUTION 16.1. These Special Terms are governed by and interpreted in accordance with the laws of the Republic of Armenia. 16.2. In the event of questions or disputes concerning payments, Charges, or refunds, the User may contact the Operator through the communication channels published on the Platform. 16.3. The Parties shall, where possible, seek to resolve disputes through negotiations. 16.4. If a dispute cannot be resolved through negotiations, it shall be resolved by the competent court of the Republic of Armenia in accordance with applicable law. 17. FINAL PROVISIONS 17.1. These Special Terms form an integral part of the Platform's Public Agreement. 17.2. Matters not governed by these Special Terms are governed by the Public Agreement, the special terms applicable to the relevant service, and the applicable laws of the Republic of Armenia. 17.3. If any provision of these Special Terms is found to be wholly or partially invalid or unenforceable, this does not affect the validity or enforceability of the remaining provisions. 17.4. These Special Terms may be published in Armenian, Russian, and English. 17.5. In the event of any conflict, inconsistency, or difference in interpretation between the language versions, the Armenian version shall prevail. 17.6. The current version of these Special Terms is permanently available on the Platform. PLATFORM OPERATOR Barrus Group LLC |
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