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Terms and conditions

Definitions & Terminology

"Customer/Holder" – means a member of the public who purchases VLoad Cash Voucher.

"We" and "us" means the issuer of VLoad Cash Voucher is registered in The Republic of Mauritius and holds financial license C116016613, issued by the Financial Services Commission.

"You" means the person opening account and placing orders.

"Account" Online registration in the web application.

"Merchant" Partner accepting VLoad Cash Voucher as method of payment in exchange of goods.

"VLoad Cash Voucher code" – represents the goods purchased on vload.expert. A 16-20 Digits PIN worth for the purchased voucher's the amount and currency selected during the purchase.

Introduction

Global Primex Limited is registered in the Republic of Mauritius and holds financial license C116016613, issued by the Financial Services Commission.

Global Primex Limited has a registered address 30 St Georges Street, 3rd Floor Manor House, Port-Louis, Mauritius.

The VLoad enables you to top-up your accounts through the use of individually encoded VLoad Cash Voucher codes issued in exchange for cash or other cleared funds. VLoad provides an online validation of the presented VLoad Cash Voucher code to participating Merchants.

VLoad will not credit any interest to the value of the voucher code. By using the website to buy products online, you confirm that you are at least 18 years old, and date of birth entered during registration is valid.

Prohibit Countries

Residents and citizens of the following countries cannot open the account: AfghanistanAlbaniaAlgeria (el djazaïr)AngolaBeninBosnia and herzegovinaBotswanaBurkina fasoBurundiCameroonCape verdeCentral african republicChad (tchad)ComorosCongo, republic ofCongo, the democratic republic of the (formerly zaire)Cote divoire (ivory coast)DjiboutiEgyptEquatorial guineaEritreaEthiopiaGabonGambia, theGhanaGuineaGuinea-bissauIran (islamic republic of iran)IraqKenyaKorea (democratic peoples republic of [north] korea)KosovoLesothoLiberiaLibya (libyan arab jamahirya)MadagascarMalawiMaliMauritaniaMayotteMozambique (moçambique)Myanmar (formerly burma)NamibiaNigerNigeriaPakistanPalestinian territoriesReunionRwandaSaint helenaSao tome and principeSenegalSeychellesSierra leoneSomaliaSudanSwazilandSyrian arab republicTanzaniaTogoTunisiaUgandaVanuatuVenezuelaYemen (yemen arab republic)Zambia (formerly northern rhodesia)Zimbabwe

Acceptance of the terms and conditions

You become bound by the terms and conditions set out in this Agreement in relation to any use of the VLoad payment system by becoming the Holder of a VLoad Cash Voucher.

You are not permitted to transfer or assign your rights under this Agreement to any third party.

You become a Holder of a VLoad Cash Voucher the moment PIN code is delivered upon purchase.

Vload Cash Voucher expiration date is 180 days from the moment of delivered date.

Expiration date is visible alongside PIN in "My Voucher" section and included in the email notification when voucher is delivered.

After expiration date voucher becomes inactive and is not longer usable or refundable.

You are obliged to contact support in case of technical problem preventing you to get PIN.

You cease to be a Holder of a VLoad Cash Voucher when:

The VLoad Cash Voucher and amount is submitted to a Participating Merchant.

The VLoad Cash Voucher is refunded.

All VLoad Cash Voucher are monitored to determine any irregular activity and Global Primex Limited reserves the right to cancel any VLoad Cash Voucher where the acquisition of a VLoad Cash Voucher is reasonably regarded as suspicious. In these circumstances you must contact VLoad customer services as soon as possible in order to verify that all activity in relation to all your vouchers is authorised and lawful. Global Primex Limited will issue new voucher codes to you in the shortest possible period of time for the same value as your invalidated vouchers only if you can prove to our reasonable satisfaction that you have acted lawfully and in accordance with this Agreement in every respect. Your failure to do so will lead to the value of all your affected vouchers being permanently forfeited.

Global Primex Limited reserves the right to refuse to validate a VLoad Cash Voucher code and amount if it reasonably suspects that any breach of any applicable law or regulation or fraud has occurred or is likely to occur.

You must not use the VLoad Cash Voucher for any illegal purpose.

You must keep proof of purchase of the VLoad Cash Voucher including the original VLoad Cash Voucher receipt or your PIN in electronic form as it was transmitted. VLoad (in addition to any other information we may reasonably require you to provide) may request you this information to establish that you are the Holder of the VLoad Cash Voucher.

VLoad is not liable for the validity of any VLoad Cash Voucher obtained from any person who is not a VLoad contracted Business Partner or for any losses or damages resulting from the supply of VLoad Cash Voucher from any such persons (whether such voucher code is supplied direct to you or is obtained by you in any other manner).

Receiving a vload cash voucher account activation

Ordering

By completing and submitting an order form, you are making an offer to purchase goods which, if accepted by us, will result in a binding contract. Please note that products will not be sent until we have authorisation from your payment card issuer or payment institution. We will not be liable if there is a delay, and we will not accept your order if payment is not authorised. Certain steps must be followed for a contract to be formed, as described below. After you have placed your order – You will be redirected to a secure payment processor to complete your payment.

Non-acceptance of the order

We will not accept your order if:

We do not have the requested product(s) in stock.

Your payment is not authorised.

There is an error on our website regarding the price or other details of the products.

You have cancelled it in accordance with the instructions below.

Your account has been blocked.

We reserve the right to refuse any order.

Successful orders

If your order is successful, you will receive a separate email containing your PIN code.

All voucher code details are visible under "My Voucher" section within the web application once logged in.

Including voucher currency, amount, Serial ID, PIN, and status.

Cancelling an order before the product has been sent

If you change your mind after placing an order, you can cancel it at any time during the 14-day cooling-off period without any charges or fees.

After the cooling-off period, you may still request a refund (providing that your VLoad Cash Voucher remains unused). If you wish to cancel your order, please follow the procedure as described in our Terms and Conditions.

Depending on the payment method refund might not be possible.

We reserve the right to retain the issuing fee and administration fee, granting refund only for the amount of the voucher.

Cancelling delivery information

Once your order has been processed, you will receive a confirmation email from us with an attachment containing your VLoad Cash Voucher.

Redemption by vload

Each VLoad Cash Voucher generated, will be accompanied by a ‘Use by Date'.

If you do not submit details of your VLoad Cash Voucher to a Participating Merchant on or before the ‘Use by Date' stated, the VLoad Cash Voucher shall no longer be usable for making a top-up transaction and VLoad is under no obligation to validate it and this Agreement will terminate on the day after the Use By Date.

Failing to submit your VLoad Cash Voucher to a Participating Merchant on or before the ‘Use by Date' stated will not affect your refund rights; however, the value of your refund will be subject to redemption fee detailed in clause Refunds & Fees.

Making payments with vload at participating merchants

You may use the VLoad payments scheme to make payments to Participating Merchants.

Any refund of a payment resulting from a claim against a Participating Merchant is subject to the Participating Merchant's own terms and conditions of business and refund policy. You should make yourself aware of such terms and policies before using a VLoad Cash Voucher to top-up your account.

Paying with VLoad Cash Voucher is like paying with cash, and so you must keep your own record of payments.

Security of your vload cash voucher

You are solely responsible for the security and integrity of your VLoad Cash Voucher.

You acknowledge that Global Primex Limited is entitled to act on any request submitted through a Participating Merchant website for validation without enquiry into the identity or entitlement of the Holder.

Global Primex Limited shall not be obliged to verify that the person presenting the VLoad Cash Voucher and amount to Global Primex Limited via a Participating Merchant is the Holder of, or is otherwise entitled to use, the VLoad Cash Voucher.

If you have lost your VLoad voucher, you may contact Global Primex Limited via the vload.expert contact page and request that the voucher code is cancelled. You will be asked to provide the VLoad Cash Voucher, amount, currency and the date, time and place of issue. If the voucher code has not been used prior to such notification Global Primex Limited will simply cancel the VLoad Cash Voucher and issue a replacement voucher code to you in substitution within 48hr after receiving all required data..

Global Primex Limited shall have absolute discretion to refuse to issue a replacement code, or to delay issuing a replacement if it reasonably suspects fraud, money laundering or other unlawful activity.

VLoad Payout and Cashout

Merchant is entitled to issue a VLoad Payout Voucher to pay out funds earned or acquired by a VLoad user, who redeemed at least one VLoad Cash Voucher at the merchant’s shop/website before (Merchant must be enrolled to VLoad Payout System).

VLoad Payout Vouchers might be used exactly in the same way as other VLoad Cash Vouchers. Additionally, You have the option to “cashout” the voucher. Cashed-out voucher amounts will be automatically summed up and wired to your bank account on the next business day. To activate the “cashout” function you must add your own bank account details in the “My account” > “Bank account” section. The bank account details must be exactly the same as the details of your VLoad account.

Refunds & fees

VLoad reserves the right to decline a refund request if you cannot prove that you are a Holder of a VLoad Cash Voucher and you should retain any proof of purchase including the original voucher receipt or your PIN in electronic form as it was transmitted.

You can obtain a refund only if you are the verified holder of the voucher. Voucher is not used or expired. Payment method used for purchases allows refund option. Reason of the refund is justified and valid. Buying Vouchers in a currency which merchant doesn't accept, or was not the desire one is not a valid justification

Issuing Fees are visible in vload.expert/pricing.

Other fees are present during the checkout process, before accepting terms and conditions and confirming payment.

For each order Fees details are shown under "My Vouchers" and are also transmitted via email for full transparency.

Account usage

On account is consider active once online registration has been completed, including SMS validation and email confirmation activation.

Once active account can be categorized into Tiers (1, 2, 3) depending on the document provided.

Tier purchasing limits are different.

Not all payment methods are available for all Tiers.

Requirements, instruction and limits are available in vload.expert/pricing as well as under "My Account" section "Upgrade Limits".

Authorization form is required for each payment method, either by card, bank transfer or any Alternative Payment method.

Buying VLoad voucher via Bank transfer deposit requires an additional invoice which will be sent upon reception of the funds, prior to the issuing of the vouchers.

Credit card information is handled in compliance with PCI DSS 3.2 requirements and with respect to the strictest IT security practices via GPN DATA Payment Gateway [www.gpndata.com].

Alternative payment methods including: Przelewy24 , Safetypay, Poli, CahsU, Alipay, Sofort, iDeal, Giropay are also process via GPN Data Payment Gateway.

Alternative Payments are restricted by country in accordance to Payment provider country support, the residence country entered during registration.

Some Alternative Payment only allows certain currencies, this case you have the option to buy EUR or USD vouchers and pay with different currency, by accepting the conversation rate during checkout, same will be transmitted to the payment provider and will be included in the payment details sent to you via email and visible in the web application.

VLoad rights to restrict access to, suspend and permanently cancel vload vouchers and products

Global Primex Limited may temporarily or permanently invalidate issued VLoad Cash Voucher if, (or in the case of a temporary invalidation, if, pending investigation):

Global Primex Limited has reasonable suspicion of unauthorised use for trade purposes; or

VLoad has good reason to suspect that the vouchers are associated with suspicious activity that is normally related to fraudulent and/or illegal use.

Upon becoming aware that Global Primex Limited has invalidated your VLoad Cash Voucher in accordance to terms and condition you must contact VLoad customer services as soon as possible in order to confirm that all activity in relation to all your vouchers is authorised, lawful, and in accordance with this Agreement. You may be asked to provide proof of identification and your address or location, the original VLoad Cash Voucher details and any other information or actions deemed necessary for the purposes of avoiding any unauthorised use of the VLoad voucher. If you can prove to our reasonable satisfaction that you did not use your VLoad Cash Voucher as envisaged, Global Primex Limited will issue new voucher codes to you for the same value as your invalidated vouchers.

Global Primex Limited may monitor all issuance, redemption, and VLoad transactions to ensure compliance and to monitor any fraudulent transactions.

Global Primex reserves the right to permanently cancel any VLoad Cash Voucher supplied to you where VLoad reasonably considers the use of such voucher to be unlawful, and/or fraudulent.

You agree that, should further identification and/or verification be required to perform transactions, you consent to Global Primex Limited performing such Customer Due Diligence checks deemed necessary to comply with AML/CTF and other Regulatory requirements.

Variation of terms

Global Primex Limited reserves the right to vary these terms and conditions from time to time on vload.expert for any of the following reasons:

Where we reasonably consider it will make the terms and conditions easier to understand or fairer to you or the change would not be to your disadvantage.

To reflect any changes in the cost of providing our services to you (where the change made will reflect the change in costs to us).

To take into account regulatory requirements.

Due to changes on Applicable Law, codes of practice or the way in which we are regulated.

We may change our fees and charges or introduce a new fee or charge if there is a change in (or we reasonably expect that there will be a change in):

The costs we incur in carrying out the activity for which the fee or charge is or will be made; or

Regulatory requirements.

Any change or new fee or charge will be a fair proportion, as reasonably estimated by us, of the impact of the underlying change on the costs we incur in our business.

Any changes will be notified on our website and will take effect two months after the date of posting on the website (or shorter if required by law) and shall apply to your use of the VLoad payment service after that two months period.

You are deemed to accept any changes made unless, before the proposed changes are due to come into effect, you notify us that you want to terminate your Agreement with us and do not accept the change. In this case you will be able to terminate your Agreement free of charge.

Suspension of service

Global Primex Limited reserves the right to suspend its system when it considers it necessary for maintenance or upgrade to the systems. VLoad will use reasonable endeavours to minimise any periods during which the system is unavailable and where possible will post notice on its website vload.expert of such suspension.

Payment for loss and third party claims

You will pay Global Primex Limited any amount we lose or have to pay arising from any third-party claim resulting from your misuse of the VLoad voucher, or for harm suffered directly or indirectly by Global Primex Limited as a result of your breach or non-observance of your obligations under this Agreement.

Representation and acknowledgements

Upon accepting these Terms and Conditions, the Client represents and warrants the following:

The Client is legally competent, of sound mind, and of legal age (18 years of age);

The opening of the account is allowed in the Client's country of residence and the Client represents and warrants that the opening of the account does not violate any applicable legislation in force in the Client's country of residence;

If the Client is a legal entity, the Client represents and warrants that it is duly registered, organised and validly existing under the applicable laws of the jurisdiction of incorporation;

The Client warrants compliance with all laws to which the Client is subject to including, without limitation, all tax laws and regulations, exchange control requirements and registration requirements;

The Client accepts that VLoad is bound by anti-money laundering and counter funding of terrorism requirements and the Client agrees to provide VLoad, with true, correct and complete information including but without limitation, the identification and verification documentation of the contracting parties and beneficial owners as requested, as well as any other documentation or information in compliance with such requirements.

The Client warrants that he/she/its director(s) and/or beneficial owner(s) is not a Politically Exposed Person (PEP) or an immediate family member or a close associate of a PEP and shall immediately inform VLoad as soon as becoming one of the above.

The Client undertakes that all monies used to fund the account originate from legitimate sources or activities.

The Client may not disclose login details to his account.

The Client assumes full responsibility for the use of his account and the login details and shall indemnify VLoad for any and all claims, losses or other liabilities arising therefrom.

The Client is required to comply with all requests for information, such as identification documents, or other documents that VLoad may request from time to time.

The Client is obliged to check the Transaction history regularly and report any irregularities or queries immediately.

The Client must keep the password of the account safe, secure and secret at all times and must not disclose it to any other person including friends, family or work colleagues.

If the Client suspects that a third party knows the login details or password to his account, or if such details have been lost, stolen, misappropriated, used without authorisation or have become compromised, the Client must change it immediately. If the Client becomes aware that the login details or password have been lost, stolen, misappropriated or there has been unauthorised use of the account, the Client must notify VLoad immediately. Any delay in notifying VLoad may result in the Client bearing all the losses resulting therefrom.

In order to ensure that the Client's records are accurate, complete and up to date, the Client agrees to notify VLoad within 14 days of any change to the Client's name, address and any other contact details such as email address or contact telephone number. VLoad shall not be held liable for loss or damage suffered as a result where the above information is incomplete, inaccurate or outdated.

The Client acknowledges and accepts that no interest shall accrue in favour of the Client's monies held on the account.

Liability

VLoad is not responsible for any loss that the Client may suffer and that VLoad is not reasonably able to control, including but not limited to defects which stops or delays VLoad from complying with these Terms and Conditions.

VLoad shall not be liable for any losses incurred by the Client arising from non-compliance with legal and regulatory requirements.

VLoad takes no responsibility for any losses incurred relating to the quality, safety and legality of any goods or services provided by another entity and paid with VLoad

If the Client is affected by something which is VLoad's direct fault, VLoad's liability will only be limited to the financial loss the Client suffers as a direct result of such fault up to a maximum of the balance on the Client's account, and shall not extend to any other consequential losses the Client may suffer, including but not limited to the loss of reputation.

From time to time, the Client's ability to use the account may be interrupted, e.g. when VLoad carries out maintenance. If this occurs, the Client may be unable to use the account to load/reload the account; to obtain information about the funds available on the account and/or about recent transfers. If the Client incurs any problems when using the service the Client should report the problem via chat or by e-mail sent to the following e-mail address: support@vload.expert

VLoad will not be held liable for any fees charged by third parties, such as other banks, for use of their facilities or services, as well as for the assessment or payment of any taxes, duties or other charges that arise from the underlying commercial Transaction between the Client and another VLoad Client.

The Client agrees to defend, reimburse or compensate VLoad and hold VLoad harmless from any claim, demand, expenses or costs associated with any breach of these Terms and Conditions, or of any applicable law or regulation and/or use of the services provided by VLoad, by the Client or any person acting on the Client's behalf.

VLoad shall use its' commercially reasonable efforts to perform its obligations hereunder, however, VLoad, shall not be liable for any loss resulting from the activities of the Client, nor from any erroneous statements or errors in transmission, nor for any loss resulting from any delay, interruption or failure to perform hereunder due to any circumstances beyond VLoad's reasonable control including, without limitation, acts of God, fire, explosion, earthquake, riot, terrorism, war, sabotage, accident, embargo, storms, strikes, lockouts, any interruption, failure or defects in Internet, telephone, or other interconnected services or in electronic or mechanical equipment.

The Client shall be liable for and shall indemnify and reimburse VLoad for any and all reasonable attorneys' fees and other costs and expenses paid or incurred by VLoad in the enforcement of these Terms and Conditions, or in collecting any amounts due from the Client hereunder or resulting from any breach of any of these Terms or Conditions.

By agreeing to these Terms and Conditions, the Client gives consent to the fact that the Client's personal data, whether sensitive or otherwise, disclosed to VLoad from time to time, is recorded in a database and processed for the purposes of providing the services outlined in these Terms and Conditions, direct marketing and/or any other purpose that may be necessary for the execution of the Client's instructions to VLoad from time to time.

Should the Client not wish to have such personal data processed for direct marketing purposes at any point in the future, the Client is required to inform VLoad accordingly by e-mail sent to the following e-mail address: support@vload.expert.

The Client agrees that VLoad may record any telephone conversations and that such recordings may be used as evidence of the Client's Instructions.

VLoad has the right to ask for provision of information related to payment.

VLoad may also collect the internet address (IP address) and other identifying information about the computer or device, used by the Client to access the account in order to help detect possible instances of unauthorized transactions.

The Client has the right to request details of the personal information that is held about the Client and the Client may receive this by sending a request to the following email address: support@vload.expert.

Contact and communication notices

In case of complaint, the Client shall send an e-mail to the following e-mail address: support@vload.expert, giving details of the nature and extent of the problem and providing evidence in support, if applicable.

Communication between VLoad and the Client will be conducted via the account and assigned email.

Any notifications will be displayed in the notification section in the account.

Important notifications will be also sent to email address assigned to the account.

Final provision

If any provision of these Terms and Conditions is deemed unenforceable or illegal, the remaining terms and conditions will continue in full force and effect.

The Client may not assign any rights under these Terms and Conditions to any third party.

On acceptance of these Terms and Conditions by the Client, these Terms and Conditions together with any appendixes constitute the entire validly legally binding agreement between the parties pertaining to the subject matter contained within and supersedes all prior and contemporaneous agreements, representations and understandings of the parties.

From time to time VLoad will amend these Terms and Conditions including, without limitation, amendments to fees. VLoad will provide notice of these amendments to the Client through the Website. If the amendment or revision is required in order for VLoad and its services to remain in compliance with applicable laws or payment processor regulations, then the amendment or revision shall take effect as of when it is posted to Website. In any other case, an amendment to these Terms and Conditions shall take effect within thirty (30) days of notice of the amendment on the Website.

This Agreement is governed by and shall be construed in all respects in accordance with, the laws of the Republic of Mauritius. All disputes arising out of/or relating to this Agreement shall be resolved exclusively by the competent court of the Republic of Mauritius.

Miscellaneous

This Agreement is governed by and construed in accordance with the laws of Mauritius.

If any clause or part of any clause of this Agreement shall be found to be illegal or unenforceable, then the validity and enforceability of the remainder of the Agreement shall not be adversely affected.