Payment and Refund Rules, Payment Security, Confidentiality of Information

1. Payment Methods

Bank card payments are processed through Alfa-Bank JSC. We accept cards of the VISA and MasterCard international payment systems, the BELKART payment system, and the MIR payment system. Payment can also be made using Apple Pay and Google Pay.

2. Payment Security

Payment security is ensured through modern verification and encryption methods and data transmission over closed communication channels. Card details are entered on the bank's secure authorization page.

To pay, you must enter your card details: number, cardholder name, expiry date, and the three-digit security code (CVV2 for VISA, CVC2 for MasterCard) located on the back of the card. If the card supports 3DSecure or the Internet Password for BELKART cardholders, or Mir Accept for MIR cardholders, you will be redirected to the issuing bank's page to enter the security code.

When paying with Apple Pay, select a card from the Wallet app and confirm payment with Face ID, Touch ID, or your device passcode. When checking out with Google Pay, tap "Pay with Google Pay", select the linked card, and confirm the purchase on your smartphone (by fingerprint, iris, or Google Pay PIN).

3. Confidentiality of Information

Personal information you provide (name, address, phone number, email, bank card number, etc.) is confidential and shall not be disclosed. Card data is transmitted only in encrypted form and is not stored on Taler servers — its processing takes place exclusively on the side of Alfa-Bank JSC.

4. Role of Taler and Vendor Responsibility

Taler is an information-technology platform (marketplace) that enables interaction between a Client and a Store (Vendor). The party to the contract of sale of goods or provision of services is the Store, not Taler.

The Store is responsible for the quality, safety, conformity with description, completeness, and actual dispensing of the goods. Taler charges the Store a service commission of 7% of the sale amount and is not the seller of goods sold through Stores.

Taler handles the technical side of settlements and refunds: it accepts payment through Alfa-Bank's payment infrastructure, holds funds until the order is dispensed, and initiates refunds to the Client as described in Section 5, including on grounds attributable to the Store's actions.

5. Refund Rules

5.1. Refund Method

When paying by bank card, cash refunds are not available. Settlements with the Client for a refund of the amount paid for goods are made in the same form in which payment was made (to the same card or through the same payment service — Apple Pay/Google Pay), unless otherwise agreed by the parties. The refund procedure is governed by the rules of the payment systems.

5.2. Legal Basis

The procedure for the return of goods and withdrawal from a contract between the Client and the Store is governed by the Law of the Republic of Belarus No. 90-Z of 9 January 2002 "On Protection of Consumer Rights". The list of non-food goods of appropriate quality not subject to exchange or return is approved by the Government of the Republic of Belarus.

5.3. Refund Timeline

The refund period to a bank card is generally 7 (seven) calendar days from confirmation of the grounds for the refund and depends on the issuing bank of the card. Taler does not control the internal refund processing timelines of financial institutions and cannot guarantee a shorter crediting period.

5.4. Cases Where a Refund Is Not Issued

A refund is not issued in the following cases:

• Automatic order completion. If the Client does not present the order QR code to the Store before the offer's validity period expires, the order is automatically marked as completed, and the amount paid is non-refundable.
• Late-stage order cancellation. Once the cancellation window has closed (shown in the app on the order screen), cancellation and refund of the amount paid are no longer possible.

In all other cases, including failure to dispense goods due to the Store's fault or a technical failure on Taler's side, the Client is granted a full refund of the amount paid.

5.5. Refund Procedure

To initiate a refund, the Client submits a request through the built-in "Report / Request Refund" mechanism on the order screen in the Taler mobile app. For erroneously processed transactions, a receipt confirming the erroneous charge must be attached. The request is routed to Taler support and, where necessary, to the Store.

6. Contacts

Vavavasa LLC

UNP: 791440344

office 104, 4a Tani Karpinskoy st, Mogilev 212030

Support: support@taler.discount