Algemene voorwaarden

Article 1

  1. In these Terms and Conditions the following is understood by:
    1. Agreement: the service relation between the provider and user as established according to these terms;
    2. Application: Credit Call mobile application;
    3. Provider: Credit Call App BV, established at Saturnusstraat 60, 2516AH in The Hague, Netherlands, KvK nr: 66447844, VAT-code: NL856557754B01;
    4. User: one who rightfully uses the application;
    5. Credit: the credit obtained as described in these terms, with which the application can be used;
    6. Rate: the variable amount per minute which the user pays by his credit;
    7. Service: the telecommunication services as provided through the application;
    8. Committee: ‘Geschillencommissie Telecommunicatie, Postbus 90600, 2509 LP Den Haag’, an arbitration committee located in the Hague, Netherlands.
  2. The present Terms and Conditions also apply to agreements with the user, for the pursuance of which third parties are included.
  3. If one or more provisions in these Terms and Conditions at any time become wholly or partially invalid or are nullified, the other provisions remain fully applicable.

Article 2

  1. CreditCallApp BV is at all times authorized to alter these Terms and Conditions.
  2. When using the competence specified in the first paragraph, the provider will notify the user in due time.

Article 3

Although utmost care will be exercised, the provider is not liable for any damage suffered as a result of non or improper functioning of the application, except for cases of guilt or gross negligence.

Article 4

Although utmost care will be exercised, the provider is not liable for any damage suffered as a result of network quality and availability, nor for any other circumstances lain outside the hand of the provider.

Article 5

Neither the user nor the provider is obliged to fulfill any obligation to the other party if he is being hampered due to a circumstance that is not a result of negligence, and is not by virtue of law, a legal act or general acceptation imputable.

Article 6

  1. The conclusion of the Agreement is done forthwith by registering.
  2. The Agreement is concluded indefinitely, unless the nature of the Agreement dictates otherwise or parties have explicitly and by letter agreed otherwise.
  3. If the user does not use the application for a period of twelve months or longer, the Agreement will be terminated. The user is notified about the expiry of the period in due time.
  4. In premature cessation of business, the Agreement will be terminated. Any remaining credit can be reclaimed by the user in a way as agreed by parties at that time.
  5. The provisions of Dutch contract law shall apply mutatis mutandis.

Article 7

  1. Credit is obtained by payment prior to use.
  2. The rates can be altered monthly and depend on economic developments. The present rates can be consulted on the webpage and the reproduction in the application will be adjusted regularly.
  3. No rights can be derived from incorrectly reproduced rates, credit information and/or telephone costs in the application.
  4. When using the service, the full rate per minute is always paid over the commenced minute, regardless of the per-second duration of the use.
  5. In case the credit balance on user's account does not change for 12 months in uninterrupted continuation, the provider reserves the right to assume that user decided to not continue with the use of the application. In that case, provider reserves the right to detract the left-over balance on the user's account. Up to 6 months after such detraction, lost balance may be re-claimed back by user upon request. After this period user gives up all rights related to the credit user used to have affiliated to their account.
  6. Free bonus credit is credit obtained without an underlying payment as (a.) an addition to a top up, (b.) welcome gift or/and (c.) credit obtained in any other marketing activity.
  7. In case user has obtained free bonus credit, provider reserves the right to detract this credit from user's credit balance after 6 months of continuous inactivity on the user's credit balance. The free bonus credit expires one year after the free bonus credit was obtained, regardless the activity on user's balance. User has no right to re-claim the free bonus credit under any and every circumstance.

Article 8

  1. The provider is responsible for the compliance with national and European privacy regulations and will act accordingly at all times.
  2. The provider is required by law to cooperate with a competently given order based on any legal provision to allow phone tapping. The provider is in no way liable for any damage as a result of foresaid order suffered by the user or a third party.

Article 9

  1. Complaints will be dealt with within thirty days, unless the provider cannot reasonably be expected to.
  2. Dispute settlement is done by the committee.
  3. The judgment of the committee is obligatory for both parties.
  4. Dutch law is applied to both the Agreement and any dispute.

Article 10: DELIVERY POLICY

  1. Calling credit is delivered automatically as soon as your payment is processed, except for below stated cases.
  2. Due to security reasons, payments processed by some of the payment methods (e.g. Google Wallet) may be delayed until the user withdrawal period expires. This delay usually doesn't exceed 2 hours.
  3. Due to extremely high transfer costs (exceeding 20% of the transaction) in case of some of the payment methods (e.g. Apple Pay, Google Wallet), Provider reserves the right to charge additional fee to cover these costs. In case the purchasing price and amount of topped up credit differs, user will be able to see both amounts up front.
  4. In case of fraud suspicion, Provider reserves a right to temporarily block the calling credit and request a confirmation of validity of the purchase.

Article 11: REFUND POLICY

  1. We stand behind our apps and your satisfaction with them is important to us. However, because our products are of digital nature, and delivered automatically via top up algorithm we generally offer no refunds.
  2. If you change your mind about your purchase and you have not used neither of the purchased credit or free bonus credit, we will happily issue you a refund upon your request.
  3. Refund requests made after you have used the credit are handled on a case by case basis and are issued at our sole discretion. Refund requests, if any, must be made within thirty (30) days of your original purchase.

Article 12: PRIVACY POLICY

This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?
When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, phone number, credit card information or other details to help you with your experience.

When do we collect information?
We collect information from you when you register on our site, place an order, subscribe to a newsletter, respond to a survey, fill out a form or enter information on our site.

How do we use your information?
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested.
To improve our website in order to better serve you.
To allow us to better service you in responding to your customer service requests.
To quickly process your transactions.
To send periodic emails regarding your order or other products and services.
To follow up with them after correspondence (live chat, email or phone inquiries)

How do we protect your information?
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

We do not use Malware Scanning. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user places an order to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use 'cookies'?
Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:
Understand and save user's preferences for future visits.
Keep track of advertisements.
Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since each browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, some features will be disabled. It won't affect the user's experience that make your site experience more efficient and may not function properly.

However, you will still be able to place orders .

Third-party disclosure
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it's release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third-party links
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under the age of 13 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States' consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.

We do not specifically market to children under the age of 13 years old.

Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

We will notify you via email within 7 business days.
We will notify the users via in-site notification within 7 business days.

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:
Send information, respond to inquiries, and/or other requests or questions
Process orders and to send information and updates pertaining to orders.
Send you additional information related to your product and/or service
Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CANSPAM, we agree to the following:
Not use false or misleading subjects or email addresses.
Identify the message as an advertisement in some reasonable way.
Include the physical address of our business or site headquarters.
Monitor third-party email marketing services for compliance, if one is used.
Honor opt-out/unsubscribe requests quickly.
Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can follow the instructions at the bottom of each email and we will promptly remove you from ALL correspondence.

Contacting Us
If there are any questions regarding this privacy policy, you may contact us using the information below.

Credit Call App B.V.

creditcallapp.com

Saturnusstraat 60
Den Haag, ZH 2516 AH
Netherlands

support@creditcallapp.com