Terms & Conditions

Effective Date: March 3rd, 2025

1. Introduction

The Payment Partners is an agency specializing in payment solutions services, including payment processing consulting, chargeback management, fraud prevention, and merchant account assistance. By engaging with our services, you acknowledge and agree to these Terms and Conditions. Please read them carefully.

2. Definitions

  • “Company” refers to The Payment Partners a trading name of PennySent Application Development Ltd.
  • “Client” refers to any individual or business utilizing our services.
  • “Services” refer to payment processing solutions, chargeback prevention, fraud mitigation, and any other related consultancy provided by the Company.
  • “Agreement” refers to these Terms and Conditions and any additional agreements signed between the Company and the Client.

3. Scope of Services

The Payment Partners provides advisory and support services related to payment processing, chargeback management, and fraud prevention. Our services do not include direct financial transactions or merchant account underwriting. We do not act as a payment processor or financial institution.

4. Client Responsibilities

The Client agrees to:

  • Provide accurate and complete information necessary for the provision of our services.
  • Comply with all applicable laws, regulations, and industry standards.
  • Use our services solely for lawful purposes and not engage in any fraudulent or unethical activities.

5. Fees and Payment Terms

  • Fees for our services will be outlined in a separate agreement or invoice.
  • Payments must be made in accordance with the agreed-upon terms. Failure to pay may result in suspension or termination of services.
  • All fees are non-refundable unless stated otherwise in a specific agreement.

6. Payment Policy

The Payment Partners only accepts transactions from payment methods that are registered under the Client’s name or the Client’s legally registered company. Any payments made from third-party accounts or unrelated entities may be rejected.

7. Subscription Policy

By subscribing to our services, you authorize our agency to process future transactions using the same payment method provided during the initial sign-up. This authorization allows us to automatically charge the specified payment method for any subsequent renewals of your subscription.

You may cancel your subscription at any time. However, please note that refunds will only be considered if a cancellation request is received within 48 hours following the processing of the renewal. Cancellation requests made after this 48-hour period will not be eligible for a refund.

Service Continuity

If cancellation is requested outside the 48-hour refund window, your subscription will remain active, and you will retain full access to the service until the end of the current billing period. No further charges will be processed after this period.

We recommend that you monitor your subscription renewal dates to ensure you can take advantage of this refund policy if necessary.

8. Refund and Cancellation Policy

Cancellation Policy

Clients may request to cancel their services at any time; however, cancellations after the 48-hour withdrawal window will not qualify for a refund. To initiate a cancellation, the Client must submit a written request via email to chargebacks@thepaymentpartners.com with their account details and reason for cancellation.


Refund Policy

Clients have a 48-hour withdrawal window from the time of purchase/subscription renewal to cancel services and request a refund. After this period, refunds will not be issued, as our team will have already allocated resources and commenced service delivery. 

Refund requests must be submitted in writing via email to chargebacks@thepaymentpartners.com  within the 48-hour window.

Upon receiving a cancellation request, our team will review and confirm the cancellation within 3 business days. If applicable, services will be discontinued at the end of the current billing cycle, and no further charges will be incurred.

Refunds will only be processed to the original payment method used for the transaction. 

Non-Refundable Services:

Certain services, such as consultation fees, DIY packages, or other non-recoverable expenses, are non-refundable.

No Refund in Case of Client Breach of Contract:

No refund will be provided if the client breach the contract signed prior to processing the transaction.

9. Confidentiality

Both parties agree to keep confidential all non-public information exchanged during the course of the engagement. The Payment Partners will not disclose Client information to third parties unless required by law or explicitly authorized by the Client.

10. Limitation of Liability

The Payment Partners is not liable for any direct, indirect, incidental, or consequential damages resulting from the use of our services. We provide services based on best practices and industry knowledge but do not guarantee specific financial or legal outcomes.

11. Service Disclaimer

The Payment Partners provides chargeback management services aimed at assisting clients in navigating the complex process of disputing chargebacks. While we strive to maximize the chances of a successful outcome, it’s important to understand that the final decision regarding chargeback disputes rests with the issuing bank. 

Factors influencing the outcome of a chargeback dispute may include but are not limited to: 

  • Issuing bank policies and procedures. 
  • Validity of documentation and evidence provided during the dispute process.
  • Compliance with card network regulations and guidelines. 
  • The specific circumstances and details of the disputed transaction.

The Payment Partners cannot guarantee a favorable outcome for every chargeback dispute. Our role is to diligently represent our clients’ interests, provide expert guidance, and advocate on their behalf throughout the dispute process.

Clients should be aware that while we endeavor to achieve the best possible result, the decision-making process ultimately lies outside of our control. We advise clients to maintain open communication, provide accurate information promptly, and cooperate fully to increase the likelihood of a successful resolution.
It’s important to note that individual results may vary, and past performance is not indicative of future outcomes. Clients should also be mindful of any fees associated with our services, which are outlined in our service agreement. By engaging The Payment Partners for chargeback management services, clients acknowledge and accept the inherent uncertainty involved in the chargeback dispute process and agree to abide by the terms and conditions outlined in our service agreement.

For further information or clarification regarding our services and disclaimers, please contact us directly via our email: chargebacks@thepaymentpartners.com

12. Termination

Termination for Breach

Either party may terminate this Agreement by providing 30 days’ written notice to the other party if a material breach of these Terms and Conditions occurs and remains uncured after the 30-day notice period. The terminating party must outline the nature of the breach in writing, and the breaching party will have 30 days from receipt of notice to resolve the issue. If the breach is not remedied within this timeframe, the Agreement will terminate automatically at the end of the notice period.

Termination

  1. Cancellation by Subscriber:
  • You may cancel your subscription at any time (see “Cancellation” section). Refunds are subject to the 48-hour policy.
  • If cancellation occurs outside the refund window, service continues until the billing period ends.

2. Termination for Breach:

Either party may terminate this Agreement with 30 days’ written notice if the other party materially breaches these Terms and Conditions and fails to cure the breach within the notice period.

13. Compliance and Legal Requirements

The Client is solely responsible for ensuring compliance with all relevant laws, including but not limited to data protection regulations, payment industry standards, and financial regulatory requirements.

14. Dispute Resolution

Any disputes arising under these Terms shall first be resolved through good faith negotiations between the parties. If such disputes remain unresolved, they shall be subject to binding arbitration in Dubai, United Arab Emirates. The arbitration shall be conducted in accordance with the rules and procedures of the Dubai International Arbitration Centre (DIAC).

The decision of the arbitrator shall be final and enforceable, and judgment upon the award may be entered in any court having jurisdiction thereof.

15. Changes to Terms and Conditions

The Payment Partners reserves the right to update these Terms at any time. Clients will be notified of significant changes, and continued use of our services constitutes acceptance of the updated Terms.

16. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the applicable laws, without regard to conflict of law principles.

17. Company Registration

The Payment Partners is a trading name of PennySent Application Development Ltd, registered in South Zone, Gate Avenue, Dubai International Financial Centre, Dubai, UAE.

18. Contact Information

For any questions or concerns about these Terms and Conditions, please contact us at:
chargebacks@thepaymentpartners.com