Effective 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.
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”).
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.
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 additional terms will also govern that transaction.
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:
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.
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:
If you are the sender of SPT, you consent to the following applicable risks and other terms:
If you make a donation 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 we refuse payment to your intended recipient, you will be entitled to a refund.
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, WITH RESPECT TO ANY PRODUCTS OR SERVICES SOLD ON OR THROUGH SPLITCHEK SERVICE. 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
We want to make SplitChek Payments convenient, so we allow you to fund your transactions using a number of different sources, like credit cards and debit cards, SplitChek Gift Cards, and other payment methods.
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 designate for the transaction. You also authorize us to collect and store that funding instrument, along with other related transaction information.
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 thereafter. 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 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:
We may revoke your eligibility to use SplitChek Payments at any time at our sole discretion.
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.
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.
In order to prevent financial loss to you or to us, we may place a delay on a payment for a period of time, or limit funding instruments for a transaction, or limit your ability to make a payment, or deactivate your account.
In order to prevent financial loss to you or to 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 law.
If you leave a Gift Card Balance or Advertiser Balance unused for the period of time set forth by your state, country, or other governing body in its unclaimed property laws, or 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 in accordance with our legal obligations, including by submitting funds associated with your Gift Card Balance or Advertiser Balance to the appropriate governing body as required by law.
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.
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 goods 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
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.
We may intervene in disputes concerning payments that may arise between you and a merchant based on section 1.9.
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.
By using the SplitChek Payments service, you agree that we may communicate with you electronically any important 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.
Except as otherwise stated, you must send notices to us relating to SplitChek Payments and these Terms email to email@example.com
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.
For general inquiries, you may contact us online. For legal notices or service of process, you may write us at these addresses.