Payment Policy

Valid on April 15, 2020

SplitChek's mission is to provide a smooth shopping experience for its shoppers and develop a community of trusted online shoppers. We take care of our customers and to help us achieve this; we ask that you do all your purchases and communications within SplitChek. If you disregard this rule, we will not be able to help you when disputes arise between you and the merchant.

1. Making Payments

Funding and spending.

When you make a payment on SplitChek, you agree to provide a valid funding instrument. When you have successfully added your funding instrument, we will allow you to initiate a transaction using SplitChek Payments ("SplitChek Payments").

Pricing.

Pay attention to the details of the transaction, because your total price may include taxes, fees, and shipping costs, all of which you are responsible for paying.

Additional terms.

You may be presented with additional terms related to a specific payment before you confirm the transaction (such as shipping terms for tangible goods). Those other terms will also govern that transaction.

Subscriptions.

If you purchase a subscription service within SplitChek, we will bill your funding instrument immediately, and then again at the beginning of each subscription period. The following terms apply for subscriptions purchased through SplitChek Payments:

  • If a free trial period is offered and you do not cancel during the free trial period, you will be billed at the end of the free trial period and the beginning of each subsequent subscription period.
  • You can cancel subscriptions at any time on your Account Settings page.
  • If you cancel a subscription, you will still have access to the service you subscribed to through the end of the subscription period.
  • If a service you subscribed to becomes unavailable during your subscription, you will not be billed at the beginning of the next subscription period.
Actual sale.

With the sole exception of Sections 1.6, 1.7, and 1.8, below, you may only use SplitChek Payments to process a funding transaction for a legitimate, bona fide purchase of a product or service or helping others pay at checkout. Except as set forth below, you may not use SplitChek Payments to fund a transaction or otherwise transfer electronic value not in conjunction with a purchase or a helping another shopper to checkout.

2. Split Payment transfers.

Split Payment transfer of funds ("SPT") may be made available in the chat service and or at checkout at our sole discretion. If you use SPT, you consent to the following terms:

2.1 SPT by the receiver
  • We may require that you provide more information to complete a transaction.
  • If you receive and accept an SPT transfer, you are liable to us for not only the payment but also any third-party fees that may result from a later invalidation of that payment for any reason, including without limitation if a chargeback is triggered, or if the amount is reversed. We reserve the right to charge your funding instrument or take any other legal action to collect the funds to the full extent allowed by applicable law. If a sender files a claim for a chargeback after an SPT transaction, we are not responsible for determining the veracity of claims or the disposition of the payment.
  • Use of SPT may subject you to fees including without limitation those from third parties, such as reversal charges or other fees for insufficient funds if your attempted payment is rejected.
  • SPT must be used in compliance with applicable law and may not be used in connection with any illegal or illicit transaction. Also, payments relating to the following activities are prohibited regardless of whether the business, product or event is illegal in your location: (a) weapons, ammunition, or explosives; and (b) gambling, games of skill, lotteries, raffles, or fantasy sports. If illegal, illicit, or otherwise prohibited transactions are reported or discovered, we reserve the right to take action including without limitation the following, without notice to you: place a hold on your transactions; place your funds in reserve; limit your ability to use SplitChek Payments; report the activity to authorities, or deactivate your account entirely.
2.2 SPT by the sender.

If you are the sender of SPT, you consent to the following applicable risks and other terms:

  • SPT use is at your sole risk, and we assume no responsibility for the underlying transaction of funds, or the actions or identity of any transfer recipient or sender.
  • Disputes regarding funds are between you and the receiver of a payment.
  • In most cases, if the recipient does not complete their order, your money will be returned to you excluding any fees that we incurred.
  • You acknowledge that you make this out of good deeds and you are not receiving any goods or services in return.
  • You also acknowledge that you don't expect anything in return from the receiver. We may in good faith, display your name and the amount contributed to our featured news. You acknowledge that your contribution is anonymous to the receiver and they will never thank you for your good deed.

3. Donations.

If you donate to a charity on SplitChek, or to an individual who uses the features SplitChek makes available to raise and collect funds for personal causes, the following terms apply:

  • If you donate to a charity, you acknowledge that you make this donation as a charitable contribution, and you are not receiving any goods or services in return. As the tax laws vary by state and by country, please consult a tax professional regarding the deductibility of your donation.
  • We reserve the right to refuse payments intended for charities or individuals that fail to comply with our terms and policies, including our Charitable Donation Terms and our Personal
3.1 Fundraiser Terms of Service.

If we refuse payment to your intended recipient, you will be entitled to a refund.

3.2 No Warranties.

You acknowledge that any products or services you may purchase are sold by merchants, not by SplitChek WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, CONCERNING ANY PRODUCTS OR SERVICES LISTED OR SOLD ON OR THROUGH SPLITCHEK SERVICES. An exception to the above is that SPLITCHEK WILL ACT AS YOUR MEDIATOR TO HELP YOU GET THE PRODUCT OR SERVICE YOU HAVE ORDERED OR YOUR MONEY BACK ON CONDITION THAT YOU HAVE MADE THE PURCHASE AND HAVE MADE ALL COMMUNICATIONS WITH THE MERCHANT ON SPLITCHECK.

4. Payment Methods

4.1 Funding instruments.

We want to make SplitChek Payments convenient and easy, so we allow you to fund your transactions using several different sources, like credit cards and debit cards, SplitChek Gift Cards, and other payment methods.

4.2 Authority.

When you provide a funding instrument to us, you confirm that you are permitted to use that funding instrument. When you fund a transaction, you authorize us (and our designated payment processor) to charge the full amount to the funding instrument you choose for the transaction. You also allow us to collect and store that funding instrument, along with other related transaction information.

4.3 Authorisation.

If you pay by credit or debit card, we may obtain a pre-approval from the issuer of the card for an amount, which may be as high as the full price of your payment. Your card will be charged at the time you initiate a payment, or shortly after that. If you cancel a transaction before completion, this pre-approval may result in those funds not otherwise being immediately available to you. Failed payments. If you pay by debit card and your load transaction results in an overdraft or other fee from your bank, you alone are responsible for that fee.

SplitChek Gift Card Balances.

SplitChek Gift Cards may be used to generate a gift card balance ("Gift Card Balance") on SplitChek. You can then use this Gift Card Balance on our platform as a payment method. The following terms apply to Gift Card Balances:

  • If you enter the Gift Card's's PIN and click "Redeem" at www.splitchek.com/redeem, we will credit the Gift Card's value to your Gift Card Balance. Once you have entered the PIN on your Gift Card, the amount you received can't be restored to the original Gift Card.
  • SplitChek is not a bank, so Gift Card Balances are not deposited, and they do not earn interest. Gift Card Balances are not insured by any entity or insurance scheme, whether governmental or private.
  • We may change the process to convert Gift Cards into Gift Card Balances, or the ways that you can use your resulting Gift Card Balance, at any time as we deem necessary without prior notice to the full extent permitted by law.
  • You may not sell your Gift Card Balance or any portion thereof, nor transfer any portion thereof to anyone outside of SplitChek, but you can transfer your balance to help someone at SplitChek checkout.
  • Gift Card Balances are not redeemable for any sum of money or monetary value from us unless required by law.
  • SplitChek Gift Cards and Gift Card balances don't expire.

3. Actions We May Take

We may revoke your eligibility to use SplitChek Payments at any time at our sole discretion.

Inquiries.

By using SplitChek Payments, you acknowledge and agree that we may make any inquiries that we consider necessary, either directly or through third parties, concerning your identity and creditworthiness.

Our right to cancel.

We may cancel any transaction if we believe the transaction violates these Terms or the Terms of Service, or if we believe doing so may prevent financial loss. We may also cancel any Gift Card Balance transferred, assigned, or sold as a result of fraudulent or illegal behaviour.

Payment limitations.

To prevent financial loss to you or us, we may place a delay on a payment for a while, or limit funding instruments for a transaction, or limit your ability to make a payment, or deactivate your account.

Sharing of information.

To prevent financial loss to you or us, we may contact your funding instrument issuer, law enforcement, or affected third parties (including other users) and share details of any payments you are associated with, if we believe doing so may prevent financial loss or a violation of the law.

Abandoned Gift Cards Or Advertiser Balances and or Property.

If you leave a Gift Card Balance or Advertiser Balance unused for the time set forth by your state, country, or other governing body in its considered unclaimed property. If you delete your account and leave a Gift Card Balance or Advertiser Balance, or if we deactivate your account and you do not meet any conditions necessary to reinstate it within six (6) months, we may process your Gift Card Balance or Advertiser Balance per our legal obligations. This includes submitting funds associated with your Gift Card Balance or Advertiser Balance to the appropriate governing body as required by law.

4. Disputes and Reversals

Customer assistance.

Subject to Sections 4.2, 4.3, 4.4, and 4.5 below, we provide various tools in our SplitChek Payments Support Center to assist you in communicating with a third party to resolve a dispute arising from a payment transaction.

No liability for the underlying transaction

If you enter into a transaction with a third party and have a dispute over the goods or services you purchased or over the donation you made, we have no liability for the products or services underlying the transaction or for how the third party used your donation. Our only responsibility is to handle your payment transaction. All payments are final unless otherwise required by law with the exception on section 1.9 above.

Duty to notify us

If you believe that an unauthorized or otherwise problematic transaction has taken place under your account, you agree to notify us immediately, so that we may take action to prevent financial loss. Unless you submit the claim to us within 30 days after the charge, you will have waived, to the fullest extent permitted by law, all claims against us arising out of or otherwise related to the transaction.

Intervention.

We may intervene in disputes concerning payments that may arise between you and a merchant based on section 1.9.

Technical difficulties.

If you experience a technical failure or interruption of service that causes your payment to fail, you may request that your transaction be completed at a later time.

5. Notices and Amendments to These Terms

Notice to you.

By using the SplitChek Payments service, you agree that we may communicate with you electronically any relevant information regarding your payments or your account. We may also provide notices to you by posting them on our website, or by sending them to an email address or street address that you previously provided to us. Website and email notices shall be considered received by you within 24 hours of the time posted or sent; notices by postal mail shall be considered received within three (3) business days of the time sent.

Notice to us.

Except as otherwise stated, you must send notices to us relating to SplitChek Payments and these Terms email to [email protected]

Amendment guidelines.

We may update these Payments Terms at any time without notice as we deem necessary to the full extent permitted by law. The Payments Terms in place at the time you confirm a transaction will govern that transaction.

6. How to contact us

For general inquiries, you may contact us online. For legal notices or service of process, you may write to us at these addresses.