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Terms and Conditions

The Terms and Conditions below are effective from 22.September 2014 and prescribe the Rules that you need to accept in order to be able to use www.one2ay.com website platform.
Please read these rules carefully.
Last updated April 3, 2015

The Terms and Conditions below are effective from 22.September 2014 and prescribe the Rules that you need to accept in order to be able to use www.one2pay.com website platform.

Please read these rules carefully.

Introductory provision and overview of the Terms and Conditions

  • These terms and conditions of usage constitute the agreement between you and Interactive Solutions LTD ("One2Pay") relating to your use of the One2Pay platform (the "Agreement"). Please read these Terms and Conditions carefully before you start to use the Website. By using our Website or by transacting through the Website or using any facility or service on the Website, you indicate that you accept these Terms and Conditions and that you agree to abide by them. If you do not agree to these Terms and Conditions, please refrain from using the Website.
  • One2Pay reserves the right to alter these Terms and Conditions from time to time by posting notice of any changes made on the website www.One2Pay.com. Any changes to these Terms and Conditions will be effective upon the delivery of an e-mail to you or an announcement of the changes at our Website.
  • The One2Pay platform enables you to obtain vouchers via Participating Merchants, to validate those vouchers and to submit those vouchers with their issuer in exchange for goods/services as advertised and offered by the Participating Merchants which issued the vouchers. One2Pay provides an online validation of the presented One2Pay voucher code to Participating Merchants enabling your payment to be confirmed.
  • A Participating Merchants is a business or an organisation that has a contract with One2Pay and that has integrated the One2Pay platform into its payment processing system and operates under the One2Pay scheme rules.

Definitions

One2Pay is a web platform (Website)(Platform) managed by Interactive Solutions DOO Ohrid, a company incorporated under the laws and regulations of the Republic of Macedonia, and its Associated Companies-to-operate the Website and Microsite(s) and Mobile Apps.

Client - (Customer) represents any individual and/or legal entity (subject to local rules and regulations), that has completed an online registration on the platform, and as a result of such registration has accepted those Terms and Conditions and consents to use the One2Pay platform to freely obtain a Voucher in a form of a voucher code from a Participating Merchant and subsequently use that code through the One2Pay platform, or in other ways utilizes the One2Pay platform.

Participating Merchant - any individual and/or legal entity that in the course of its business activity provides goods and/or services (Products), and is an authorized issuer of vouchers and Voucher codes and that at the same time has an agreement with One2Pay to handle such vouchers through its platform, pursuant to the agreed terms and conditions governed by an agreement between One2Pay and the Participating Merchant

Voucher - is a bearer certificate issued by a Participating merchant, which can be used through One2Pay platform in the relations between the Customer and a Participating Merchant. A Voucher can either be provided solely in an electronic form by the Merchant or made available in a paper form, or any other physical form. However, only one voucher can be associated with a voucher code. One2Pay is in fact authorised by the Merchant to administer the issuance of those vouchers by generating voucher code, which represents a 16 digit number, generated by the One2Pay platform for the purpose of authenticating and identifying any Voucher issued by the Merchant, both in terms of its value and in terms of its validity, as well as (if applicable) the identity of the customer with the product and/or service as provided by the Merchant, so that the Merchant can safely proceed with dispatching that product or providing the service to the customer generated by the One2Pay platform with a purpose of identifying the Merchant’s good/service provided to the Customer, and facilitating the exchange and payment of goods/services as offered by the Merchants. A voucher may be also redeemable at any of the participating merchants. The terms Voucher and Voucher code pertain to the same thing. “Voucher” also pertains to promotional voucher purchased by the Client which may be exchanged by him for particular goods/services at Merchants (or other third parties) at a discount from their actual cost and subject to the terms and conditions set out in that voucher.

Product - is either a good or a service or both offered by a Participating Merchant in exchange for money.

Means of payment - refers to any method of payment accepted by the common trade such as cash, credit and debit cards, gift certificates, bank transfers, fast money transfers, etc.

Services – means providing services of an information society by One2Pay, at a distance and for a fee, through electronic means and on demand on the user of such services. One2Pay provides the Merchants and their Customers with the opportunity to use the features of its web platform.

Provider - refers to Company for trading and services INTERACTIVE SOLUTIONS Ohrid, Turisticka 77 A, 6000 Ohrid, Republic of Macedonia. For the purpose of this agreement the terms One2Pay or Interactive Solutions refer to and as Provider as well.

Client (Customer) - represents any individual and/or legal entity (subject to local rules and regulations), that has completed an online registration on the Platform, and as a result can freely obtain a Voucher /Electronic Voucher code as a Customer from a Participating Merchant and subsequently use that Voucher/Voucher code through the One2Pay platform, or in other ways utilizes the One2Pay platform pursuant to the Terms and Conditions herein.

Register or Registered - means the act of registering your details on the Website to create an account on the Website.

Software - shall mean all programming codes of One2Pay's platform, HTML code, application programming interfaces (APIs), related documentation and other client software or code which One2Pay provides to Merchant and has enclosed or inserted on or through its website www.one2pay.com, including appropriate updates. The Software is a property of One2Pay and is subject to regulations and intellectual property protection regulation.

Transaction - represents a relationship between a Merchant and Customer for the purpose of and resulting in an exchange for goods and services offered by the Merchant in exchange for money and other means of payment. The term Transaction also includes any information, including but not limited to payment information related to the purchase of goods and services from Merchant by a third party-Customer.

Financial Institution - means a banks or financial institution that is licensed in performing payment operations and where One2Pay Customer and Merchant keep their accounts/funds.

Associated Company/Associated Companies - means a company belonging to Interactive Solutions.

Forums - means ratings, comments, bulletin board service, chat rooms, discussion groups, message boards and/or other message or communication facilities provided on the Website from time to time.

Microsite(s) - means any individual auxiliary sites or any site using One2pay Platform available directly or indirectly or any site now or hereinafter contained within or otherwise available through external hyperlinks with our umbrella website www.one2pay.com, for the marketing of Vouchers.

Mobile Apps - means the One2Pay.com mobile phone applications used to access the Services operated by Interactive Solutions.

What is One2Pay?

a) The One2Pay platform enables you to purchase vouchers for goods and/or services from Participating Merchants online without the need for creating accounts with credit or debit cards directly with merchants. The scheme uses individually encoded Merchant vouchers and One2Pay voucher codes issued by partner Participating Merchants and generated by One2Pay respectively.

b) One2Pay operates a unique system offering One2Pay codes (Voucher Codes) to both the Merchants and their Customers, relating to the Vouchers issued by the Merchants which are used to identify the Customer with the Merchant and authenticate the Voucher issued by that Merchant and purchased by the Customer so a Transaction between the Merchant and the Customer can safely take place.

c) www.One2Pay.com is a site operated by Interactive Solutions (“We” or “One2Pay”). We are a limited liability company registered as Interactive Solutions. Compay No 6894810 Registered in Republic of Macedonia. Address: Turisticka 77A, 6000 Ohrid, Republic of Macedonia. Enquiries: info@one2pay.com.

d) The Website provides both Customers and the Merchants with access to the Services.

e) We develop and make available One2Pay.com to Customers and Merchants to provide Services of the Information society, and promote Vouchers to the Customers through a Microsite or Mobile App.

f) This Agreement sets forth the Terms and Conditions that apply to the use of this Website by the Customer. The right to use this Website is personal to the Customer and is not transferable to any other person or entity. The Customer shall be responsible for protecting the confidentiality of the Customer’s password(s) if any. Customer acknowledges that, although the Internet is often a secure environment, sometimes there are interruptions in service or events that are beyond the control of Interactive Solutions, and One2Pay shall not be responsible for any data lost while transmitting information on the Internet. While the objective of Interactive Solutions is to make One2Pay.com the Website accessible 24 hours per day, 7 days per week, the Website may be unavailable from time to time for any reason including, without limitation, routine maintenance. You understand and acknowledge that due to circumstances both within and outside of the control of Interactive Solutions, access to the Website may be interrupted, suspended or terminated from time to time. We will not be liable if our Website is unavailable for a given period of time..

g) Interactive Solutions shall have the right at any time to change or discontinue any aspect or feature of the Website, including, but not limited to, content, hours of availability and equipment needed for access or use. Further, One2Pay may discontinue disseminating any portion of information or category of information, may change or eliminate any transmission method and may change transmission speeds or other signal characteristics.

How does One2Pay work?

a) When you choose to purchase a product at a Participating Merchant, you are provided with an opportunity to get a voucher for that particular good/service offered and/or identifying that particular product or service to the Customer via One2Pay platform.

b) You can also buy a voucher of a value defined by you, redeemable at the Merchants, but no greater than the limit set by Merchants and our policy also via One2Pay platform. For that regard, you may buy a voucher by logging to our website, choosing the currency and value and paying for it. This voucher can be used at some or all of our Participating Merchants. You may choose to use the voucher or vouchers as a gift to others so they can redeem that voucher themselves. You can also authorize the Merchant to act on Your behalf in both registering You as Customer and/or purchasing the Voucher on Your behalf, by contacting the Merchant directly, providing Your personal and contact details to the Merchant, upon which You shall be provided with the possibility of remotely accepting these Terms and Conditions by receiving a 5 digit security code via e-mail and/or sms , and providing them to the Merchant as authorisation in consent of acceptance of those Terms and Conditions with the purpose of for completing the procedure for registration and/or purchase of a voucher.

c) If you already have an One2Pay user account, you can spend any vouchers previously purchased. If not, you will be redirected from the Merchant site to our site to fulfil the registration process, pay for the Merchant voucher and get a Voucher code.

d) When you pay for that voucher, you have effectively completed your obligation to pay the Merchant for that particular good and/or service, or for the Voucher that can be used by you or anybody else that you provide it within all of the Participating Merchants.

e) After obtaining the voucher code, you present that code corresponding to the particular voucher for One2Pay processing at a Participating Merchant website, upon which One2Pay provides an online validation of the code enabling your payment to be confirmed.

f) In effect, One2Pay serves as an authorised handler of the Merchant's vouchers.

g) One2Pay voucher codes are issued once you have bought a voucher issued by a Participating Merchant, and have paid for it with a credit or debit card, bank transfer, fast money transfer or in cash or otherwise.

h) Vouchers are issued by companies contracted as business partners by One2Pay. One2Pay is not legally responsible for observance of the compliance policies, laws and regulations pertinent to their issuance by each individual issuer in the process of issuing the voucher codes. Voucher codes are obtained when you have successfully registered on an One2Pay website and have purchased a voucher issued by the Participating Merchant.

i) Participating Merchants may use retailers and other distributors to issue their Vouchers, regardless of the fact on whether or not they are ultimately administered by One2Pay. However One2Pay has no responsibility for administration / dissemination / authentication or any other responsibility in any other regard in respect of those vouchers.

j) Contracted Participating Merchants are listed on the website www.One2Pay.com and you should satisfy yourself that any company purporting to issue the Voucher to you is a contracted business partner of One2Pay.

k) You will not be charged any fees for using those vouchers at a Participating Merchants, except for the face value of the voucher itself and any charges applicable when you make the payment with your financial institution. We reserve the tight to charge value added tax (“VAT”) in addition to the price set out for the Vouchers and will implement this right should we be required by applicable law collect VAT.

Voucher Redeeming

a) One2Pay voucher codes are unique16 digit numbers. Each number applies to a single voucher. If a voucher code and amount submitted to One2Pay for validation matches our issuing records, One2Pay shall be entitled to confirm such validation to the Participating Merchant. One2Pay shall not be obliged to undertake any verification of the identity of the person submitting the voucher code and amount for validation but shall be entitled to rely on the act of submission as a warranty that you are the legitimate holder of the voucher code and entitled to use.

b) Vouchers presented digitally, downloaded or printed or displayed (with a unique identifying number or not) from the Website or Microsite or any other website associated with Interactive Solutions and One2Pay are purchased from Merchants through the Website or Microsite. By placing an order for a Voucher from a Merchant through the Website, you make an offer to purchase the Vouchers on the Terms and Conditions set out in these Terms of Use and the Terms and Conditions and fine print set out in the Voucher terms.

c) Once One2Pay has advised a Participating Merchant that a submitted voucher code and amount are validated, One2Pay has no means of subsequently withdrawing such validation and the voucher code and amount will be considered redeemed and cannot be used again. If you redeem the Voucher for less than its face value, you will only be entitled to a credit or cash from the Merchants, equal to the difference between the face value and the amount you redeemed, if required by applicable law. All Vouchers shall be subject to these Terms of Use and the Merchant’s Terms and Conditions and fine print. The issuer of a Voucher is the Merchant. As the issuer of the Voucher, the Merchant shall be fully responsible for any and all injuries, illnesses, damages, claims, liabilities and costs suffered by or in respect of a customer, caused in whole or in part by the Merchant, as well as for any unclaimed property liability arising from unredeemed Vouchers or portions thereof. You waive, and release Interactive Solutions, and its Associated Companies and its Operators and their officers, directors, employees and agents from, any claim, liabilities, damages, or injury arising from or related to any act or omission of Merchant in connection with a Voucher or the services or goods provided in connection therewith and/or as it relates to compliance with applicable unclaimed property and other laws relating to the redemption of the Vouchers or any portion thereof. Vouchers are redeemable in their entirety and on a one time basis only and may not be redeemed incrementally. The Voucher (and any discounts set out on it) shall expire 12 months from the date of Issue.

d) 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 an One2Pay voucher to pay a Participating Merchant.

e) Using vouchers normally requires you to keep your own records of payments and keep track of vouchers and transactions.

f) If One2Pay advise the Participating Merchant that the submission could not be validated, then the Participating Merchant could advise One2Pay accordingly to take a course of action pursuant to its instructions. One2Pay is not liable for the course of action resulting to the both Participating Merchant or the Client.

g) Each Merchant Voucher and the accompanying One2Pay voucher code may be linked to a particular date by which it needs to be spent/used at any of the Merchants.

h) One2Pay is not liable for the validity of any voucher codes originating from any person who is not a One2Pay contracted business partner or for any losses or damages resulting from the supply of vouchers from any such persons (whether such voucher code is supplied direct to you, acquired you in any manner). One2Pay is not legally responsible for observance of the regulatory and/or compliance policies by each individual Participating Merchant-i.e. issuer in the process of issuing the voucher codes.

i) By completing the registration process at One2Pay you agree to be bound by the terms and conditions set out in this Agreement.

j) One2Pay is not liable for the validity of any Vouchers or codes obtained from anyone who is not an One2Pay business partner.

k) You may obtain unlimited vouchers which value may not exceed 1000 Euros/month (or equivalent in another currency).

l) You as a Customer to the Merchant receive an opportunity to use our advanced secure system and a voucher management system through our One2Pay platform.

m) One2Pay is not an electronic money issuer, nor a Merchant of its own, nor does it make any representations on behalf of the Merchants relating to their products/services, their quality, safety or other.

n) One2Pay is not responsible for compliance by each individual Participating Merchant with its own rules and regulations within the jurisdictions that they operate and pertain to their status, products and services offered and other relevant circumstances in this regard.

o) You acknowledge that One2Pay is not an intermediary relating to any representations in regard to the products / services offered by the Merchants, and does not provide neither representations nor guarantees or assurances to its quality, quantity, safety, availability, service, customer support and related in regard to those products / services offered.

p) You acknowledge that One2Pay is neither a retail store, nor an issuer or handler or a payment processor of any payment method in any shape or form. For that matter, the parties agree to recognize that One2Pay nor the company under it operates is not a bank, financial institution, an electronic money issuer or similar.

q) You acknowledge that One2Pay party shall not be liable for the failure of other party to obtain and maintain proper licenses, approvals from its own jurisdictions to be able to operate and use this website on their own for the purposes designated under those terms, or for the observance of regulatory and legal requirements for the usage of this website.

Acceptance of Terms and Conditions

a) By signing and registering to www.one2pay.com website, you agree to be bound by the terms and conditions set out in this Agreement in relation to the use of the One2Pay system and to be able to proceed with obtaining a Voucher and a voucher code. You can also be registered as One2Pay customer through some or all of our Merchants by contacting the Merchant directly, providing Your details name, address, e-mail or other contact details directly to the Merchant which can on Your behalf register You as a customer on One2Pay , thus authorising the Merchant to act on Your behalf in registering You as a customer. You shall be provided with the possibility of remotely accepting these Terms and Conditions by receiving a 5 digit security code on Your e-mail/phone , and providing them to the Merchant as authorisation.

b) By starting to use this website and agreeing to the Terms and Conditions, you warrant that:

i) You are legally capable of entering into binding contracts; and

ii) You are at least 18 years old.

c) You may not transfer, assign, charge or otherwise dispose of these Terms of Use, or any of your rights or obligations arising under it, without our prior written consent.

d) We may transfer, assign, charge, sub-contract or otherwise dispose of these Terms of Use, or any of our rights or obligations arising under it, at any time.

You as a holder of voucher

a) You become a Holder of a voucher by:

i) Obtaining a voucher from a business partner contracted to issue One2Pay vouchers; or

ii) Being gifted a voucher and being in receipt of proof of purchase including the original voucher receipt; or

iii) Submitting the voucher and amount to a Participating Merchant for validation for payment through One2Pay as a result of which a new voucher code is issued to you.

b) You cease to be a Holder of an One2Pay voucher code when:

i) You submit the voucher to a Participating Merchant for validation for payment through One2Pay the voucher is validated; or

ii) Some other person becomes a holder of that voucher.

iii) You are revoked the voucher by either the Merchant or One2Pay for breach of those Terms and Conditions or upon suspicion of fraudulent or other prohibited activity.

iv) You provide the voucher and/or the code to someone else.

c) We reserve the right to refuse to validate an One2Pay voucher code on behalf of the Merchant and amount if we have reason to suspect that any breach of any applicable law or regulation has occurred or are likely to occur.

d) You agree that you will not use either One2Pay platform or the Voucher or Vouchers that you have obtained for any illegal purpose.

e) You agree that you will keep proof of purchase of the One2Pay voucher code including the original voucher receipt and that this proof of purchase may be requested One2Pay to establish that you are the holder of the One2Pay voucher code.

Where can I redeem the voucher?

a) Any Vouchers can be redeemed at any of the Participating Merchant websites, stores, a business that has a contract with and the One2Pay at has integrated the One2Pay system and operates under the scheme One2Pay rules.

b) You will not pay any charges to One2Pay for using this opportunity. Participating Merchants are listed on the One2Pay website www.One2Pay.com and you should satisfy yourself that a merchant is a Participating Merchant before submitting the One2Pay voucher code to a merchant as proof of voucher paid as payment for its goods/services. One2Pay is not liable for any loss under any circumstances resulting from the presentation of voucher codes to anyone that is not a Participating Merchant.

When do these Terms and Conditions end?

a) This Agreement terminates automatically:

i) When you cease to be a Holder; or

ii) When the validity period of the voucher code ends. This will not affect your refund rights as detailed below.

iii) The Merchants as an issuer of the voucher revokes the voucher due to its internal rules, regulations and policies.

iv) You use the Voucher for activities that are not connected to the Merchants, or try to obtain a monetary or other benefit for those vouchers which are outside of its primary role.

v) You use One2Pay for purposes outside of the scope for which it was designed, in which case you agree that if we suspect such activities, we may exercise our right upon our discretion at any time without prior notice to unilaterally terminate the provision of the services to you and subsequently terminate this agreement.

Modified terms

i) One2Pay reserves the right to alter these Terms and Conditions from time to time by posting notice of any changes on its website www.One2Pay.com.

ii) Any changes will take effect 30 days after the date of posting on the website and/or sending an e-mail and shall apply to your use of the One2Pay payment service after the 30 day period.

iii) Interactive Solutions reserve the right at all times to discontinue or modify those Terms and Conditions, as well as the accompanying documents such as the Privacy policy, the Cookie Policy, etc. Such changes may include, among other things, the adding of certain fees or charges. If any substantial changes are made, we will notify you by sending you an e-mail to the e-mail address that is registered with your account and/or by posting notice of the change on the Website. Any changes to these Terms and Conditions will be effective upon the earlier of our dispatch of an e-mail notice to you or our posting of notice of the changes on our Website, provided that these changes will not apply to Vouchers purchased prior to the effective date of such changes. These changes will be effective immediately for new users of our Website and any Vouchers purchased by such new users.

iv) We suggest you, therefore, that you re-read this important notice covered in the Terms and Conditions and other relevant documents pertaining to the use of One2Pay from time to time in order you stay informed of any possible changes. After such notice, any use of One2Pay by you as its user/customer shall be deemed to constitute your acceptance of such modifications. Some of the provisions contained in these Terms and Conditions may also be superseded by provisions or notices published elsewhere on our Website.

Keeping One2Pay codes safe

a) You are responsible for keeping your Vouchers and the One2Pay voucher code details safe.

b) You are solely responsible for the security and integrity of your voucher and One2Pay voucher code. You acknowledge that One2Pay 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.

c) One2Pay shall not be obliged to verify that the person presenting the voucher code and amount to One2Pay via a Participating Merchant is the Holder of, or is otherwise entitled to use, the One2Pay voucher code.

d) If you have lost your One2Pay voucher code, you may contact One2Pay via www.One2Pay.com Customer Support and request that the voucher code is cancelled. You will be asked to provide the voucher code, amount, currency and the date, time and place of issue. If the voucher code has not been redeemed prior to such notification One2Pay will normally cancel the voucher code and issue a replacement voucher code to you in substitution. One2Pay shall have an absolute discretion to refuse to issue a replacement code, or to delay issuing a replacement, if it suspects fraud, money laundering or other unlawful activity.

Profile Administration

a) You may use the One2Pay platform to manage the usage of the vouchers you have obtained from the Participating Merchants. You will be able to keep track of your Vouchers spent, and vouchers available through our platform. You consent that One2Pay may at any time terminate services if:

i) There is a suspicion of unauthorised use for trade purposes; or

ii) There is a suspicion of a fraud or any criminal activity taking place; or

iii) Otherwise abuse the platform for activities that are not compatible with its object and purpose.

b) The Customer shall not post, transmit through or use this Website:

i) In any way that violates or infringes in any way upon the rights of others;

ii) In any way that is unlawful, fraudulent, threatening, abusive, defamatory, an invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable;

iii) In any way that encourages conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any law;

iv) Without Interactive Solutions express prior, written approval, in any way that, contains advertising or any solicitation with respect to products or services;

v) In any way that, in Interactive Solutions or One2Pay.com exclusive discretion, restricts or inhibits any other End User from using or enjoying this Website;

vi) To send, knowingly receive, upload, download, use or re-use any material which does not comply with the object and the purpose of One2Pay, or to use the website for the purpose of harming or attempting to harm minors in any way; or advertise or perform any commercial, religious, political or non-commercial solicitation, including, but not limited to, the solicitation of users of this Website to become users of other online or offline services directly or indirectly competitive or potentially competitive with Interactive Solutions.

c) To be able to register on our website, you must comply with the registration requirement which includes registration of an email address and the creation of a password. You agree that you will only register one email address for usage of One2Pay and acknowledge that if you register multiple email addresses this can be regarded by One2Pay as a suspicious activity.

d) You agree that One2pay may monitor all tools transactions to ensure compliance and to verify that you have not registered multiple email addresses in order to access One2Pay.

e) One2Pay reserves the right to permanently invalidate any vouchers and voucher codes supplied to you.

f) You agree that should further identification and/or verification be required to perform or complete One2Pay registration process or usage of the vouchers, you give your consent that One2Pay has the right to perform such inquiries and checks deemed necessary to comply with Anti Money Laundering and Regulatory requirements.

g) The currency conversion tool may not be available in all countries. One2Pay is not liable for refunds, losses or compensation relating to countries where currency conversion is not available and you should satisfy yourself as to such local limitations before getting a voucher.

h) One2Pay is not liable for the foreign exchange rates. However One2Pay may charge a fee of 1% on top of the exchange rate when transactions have been made in another currency.

i) You will not be charged any fee for administering your profile on our website. However if you want a paper report, costs may be charged in a form of a fee, as well as any postage costs.

Getting a refund

a) You can request a refund for any valid and unused Vouchers issued by the Merchants. Refunds are provided pursuant to the Refund policy by each Participating Merchant. You can also request a refund for any products or services obtained from the Merchants, subject to their refund policies. One2Pay is not responsible for either the quality of the good/service refunded. Some merchants may agree to refund the voucher funds through another Participating Merchant through One2Pay.

b) Your right to request a refund starts on the day you get your code and continues as prescribed by the each individual item of good and/or service it is tied to, up to a maximum period of 1 year. So you should keep your voucher receipt as proof of purchase. Should you decide that you do not wish to redeem your Voucher that you purchased redeemable at any or some of the Participating Merchants, in whole or in part, you are entitled to a refund from One2Pay. You can claim refund for 1 year from the moment of purchase of the Voucher. We will be charging however a 3% fee on the amount of the voucher you wish to refund.

c) In any event, it shall be the final decision upon One2Pay to allow or deny refunds and/or chargebacks through its system.

Customer Conduct

a) This Website is a private property. All interactions on this Website must comply with the Terms and Conditions.

b) The Customer may only use this website and affiliate websites for lawful purposes only.

c) Customer may not without Interactive Solutions express prior, written approval, in any way engage into advertising or any solicitation with respect to products or services or in any way to advertise or perform any commercial, religious, political or non-commercial solicitation. Customers may not infringe other person's intellectual property rights.

Monitoring

a) Interactive Solutions shall have the right, but not the obligation, to monitor the content of the Website at all times, including any Forums that may hereinafter be included as part of the Website, to determine compliance with this Agreement and any operating rules established by Interactive Solutions, as well as to satisfy any applicable law, regulation or authorised government request. Without limiting the foregoing, Interactive Solutions shall have the right, but not the obligation, to remove any material Interactive Solutions, in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable.

b) Customers may not misuse our Website by knowingly introducing malicious software such as viruses, Trojans, worms, logic bombs or other material which is technologically harmful. One2Pay reserves the right to undertake any activities towards anyone aimed at maintaining full integrity of the system and take any steps required to assure such safety and integrity.

Suspension of Service

a) One2Pay gives no warranty or representation that its One2Pay platform, mobile applications or microsites will be available at all times.

b) One2Pay reserves the right to suspend its system when it considers necessary for maintenance or upgrade to the systems. One2Pay will use reasonable endeavours to minimise any periods during which the system is unavailable and where possible will post notice on its website www.One2Pay.com of such suspension.

Exclusion of representation and warranties

a) One2Pay makes no warranty or representation, either express or implied, as to the suitability for purpose of the One2Pay platform.

b) One2Pay gives no warranty, makes no representation and disclaims all liability so far as the law allows with respect to the quality, availability, legality, delivery or any other aspect of your dealings with Participating Merchants.

c) The process by which One2Pay authorises merchants to accept payment through the One2Pay platform does not involve any assumption of responsibility or investigation as to those merchants' dealings with any particular consumers and you therefore deal with Participating Merchants entirely at your own risk. Any grievance you may have with a Participating Merchant must be pursued with that merchant and not with One2Pay.

Privacy of your data and our policy about using cookies

a) The One2Pay Privacy Policy and information about our use of cookies can be viewed at the website https://www.one2pay.com/site/page.html?view=cookie_policy. By accepting the Terms and Conditions you also agree to our Privacy policy, cookie policy as well as any other regulation pertaining to our site.

b) One2Pay will hold customer data for a minimum period of time prescribed by law after which it will be destroyed. Any personal data will be held securely in line with the One2Pay Privacy Policy published at www.One2Pay.com and used in accordance with the law.

c) By accepting those Terms and Conditions and the Agreement, you agree to the possibility of One2Pay be able to collect, store and use of your personal data, in accordance with the Rules and regulations governing that area, the Law on the protection of personal data as well as any corresponding laws and regulations in this regard. One2Pay has a separate Privacy policy to this effect that is in conformity with the existing laws and regulations.

Miscellaneous

a) This Agreement is governed and construed by the laws of Republic of Macedonia and both parties submit to the exclusive jurisdiction of the Macedonian Courts.

b) One2Pay reserves the right to assign, subcontract, and novation or transfer its obligations hereunder to any third party.

c) Nothing in this Agreement is intended to create any rights which are enforceable by any person who is not a party to this Agreement under the Contracts.

d) 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.

e) Any delay or failure by One2Pay to enforce or pursue any remedy or right hereunder shall not be deemed to be a waiver of that remedy or right and will not prevent that right or remedy from subsequently being exercised or enforced.

f) This Agreement constitutes the entire agreement between us relating to the provision of the One2Pay platform and supersedes any previous agreements and understandings between us relating thereto.

Termination

One2Pay may terminate providing the services immediately and any user accepting those Terms and Conditions agree to that possibility if One2Pay finds that:

i) You are in breach of any of the terms of this Agreement; or

ii) We have reason to believe there has been or may be some illegality or fraud or misuse of the One2Pay platform.

iii) A Merchant has instructed us to proceed with termination of the services in regard to the Voucher issues by the Merchant and/or the transaction.

Limitation of liabilities

a) You acknowledge that One2Pay is solely providing a service of an intermediary between you and the Participating Merchants and that some limitation of liability on One2Ppay's part is reasonable and customary in an Agreement such as this.

b) Accordingly, you agree that One2Pay shall not be liable for:

i) Any validation provided by One2Pay not being acted upon by a Participating Merchant for any reason;

ii) Any delay or failure to carry out One2Pay's obligations under this Agreement arising from maintenance or upgrade of the system, or failure of the system or other event beyond our reasonable control;

iii) It is a sole responsibility of you to be compliant with all regulatory and legal requirements for usage of our website within the jurisdiction that you reside/live. You do hereby relieve One2Pay of any liability in this regard.

Resolution of disputes and complaints

a) One2Pay is a trading name of Interactive Solutions, a Limited Liability Company incorporated, authorised and regulated under the Company act of the Republic of Macedonia, and corresponding regulations. The Relevant provisions of the law of the Republic of Macedonia apply.

b) If you have questions or concerns about the operation of One2Pay platform please try and resolve the matter first with One2Pay Customer Support via the website www.One2Pay.com.

c) If you are not happy with the One2Pay.com response you can ask for your case to be escalated as a complaint. You do hereby consent that you agree to allow a period of 8 weeks for your complain to be handled prior to resorting to any other steps.

Indemnity

a) You hereby indemnify and agree at all times to hold One2Pay harmless from and against all losses, demands, claims, damages, expenses (including reasonable legal costs) and liabilities arising from any third party claim resulting from your use or misuse of the One2Pay platform, or for harm suffered directly or indirectly by One2Pay as a result of your breach or non-observance of your obligations under this Agreement.

b) You do expressly consent that One2Pay is not your contracting party when purchasing goods/services from the Merchants and that you consent that it shall not be held liable for any damages arising from the relationship between the Merchant and you as its Customer.

Customer Support

You will be able to utilize our 24/7 customer support by sending e-mails to service@one2pay.com or calling our call centre at+389 46 209 022.You will also be able to perform live chat with our support staff. Some charges may be applicable for various forms of contact.

By accepting the terms and conditions you accept to create One2Pay account. An email will be sent to you with your user name and password and request for you to change the password as soon as you log in for the first time.