Terms of Service

1. Acceptance of Terms
By using Telvatec’s services, including international calling, mobile top-ups, and money transfers, you agree to comply with these Terms of Service. If you do not accept these terms, please refrain from using our services. These terms, along with any additional policies such as our Privacy Policy and Cookie Policy, govern your relationship with Telvatec.
Telvatec reserves the right to modify these Terms of Service at any time. The latest version will always be available on our website. Continued use of our services after any such changes means you accept the updated terms.

2. The Services
Telvatec offers a suite of services that include:

• • International Calling: Enabling users to place low-cost international voice calls to mobile and landline numbers worldwide.
  • Mobile Top-Ups: Facilitating the transfer of prepaid airtime value to a recipient’s mobile phone number on supported networks and countries.
  • Money Transfers: Allowing users to securely send funds internationally to recipients in supported countries.

a) Service Availability While Telvatec strives to provide uninterrupted service, we do not guarantee that our services will be available at all times. Certain factors, such as network provider availability, internet access, and third-party systems, may affect your ability to use our services.

b) Account Requirements To access our services, you must create an account by providing accurate, complete, and up-to-date information, including your name, email address, and payment details. You are responsible for safeguarding your account credentials, and any activity under your account is your responsibility. You must notify us immediately if you suspect unauthorized access to your account.

c) Service Restrictions You may not use our services for illegal purposes or in ways that violate applicable laws or third-party rights. Telvatec reserves the right to suspend or terminate accounts that are found to engage in fraudulent activity, misuse of services, or violations of these Terms of Service.

3. Use of Services

a) International Calling
Telvatec allows you to make outbound international calls using internet-based voice protocols (VoIP). You are responsible for ensuring that your contact resides in a jurisdiction supported by Telvatec. Calls may be placed via a mobile app, website, or other compatible devices.
Telvatec does not support emergency calls (such as 911 or similar services) and cannot guarantee connectivity in all regions or to all numbers. You must arrange alternative means of communication for emergency purposes.

b) Mobile Top-Ups
When using the mobile top-up service, you must provide accurate details of the recipient’s mobile number and ensure the chosen network operator is supported. Once a top-up is completed and credited to the recipient’s account, it cannot be reversed or refunded.
Telvatec is not responsible for delays, losses, or errors caused by third-party network operators or service providers.

c) Money Transfers
Telvatec’s money transfer services allow you to send funds internationally. When initiating a transfer, you must provide accurate details of the recipient’s information, including name, contact details, and bank or mobile wallet information.
The exchange rates and fees applicable to money transfers will be disclosed at the time of the transaction. Transfers are typically processed within a specified time frame, but delays may occur due to regulatory checks, recipient bank processing times, or unforeseen circumstances.
Telvatec adheres to anti-money laundering (AML) laws and regulations. We may require you to provide identification and additional documentation to comply with these legal requirements. Any suspicious or fraudulent transactions will be reported to the relevant authorities.

4. Payments and Billing

a) Payment Methods
Telvatec accepts payments via credit or debit cards, mobile wallets, or other supported payment methods. All payments must be made in advance to access our international calling, mobile top-up, and money transfer services. The applicable rates and fees for services will be clearly presented at the time of the transaction.

b) Billing Errors
If you believe you have been charged in error, you must contact Telvatec within 30 days of the transaction to request a refund. Refund requests after this period may not be honored.

c) Refunds
All purchases of international calling credits, mobile top-ups, and money transfers are final. Refunds will only be issued in the case of an error or failure directly attributable to Telvatec, subject to our review and approval. Once a transaction has been completed and the service delivered (e.g., the top-up credited or the funds transferred), it cannot be reversed or refunded.

5. Account Suspension and Termination
Telvatec reserves the right to suspend or terminate your account, without notice, if we determine that you have violated these Terms of Service, engaged in fraudulent activity, or abused our services. In the event of account suspension, you may lose access to any unused credits or pending services.

6. User Conduct
You agree to use Telvatec services only for lawful purposes and in accordance with these Terms of Service. You may not:

• • Use the services in any manner that violates local, national, or international laws or regulations.
  • Use the services for fraudulent, deceptive, or abusive purposes, including sending unsolicited communications.
  • Attempt to interfere with, hack, or disrupt the Telvatec platform, systems, or services.
  • Use the services in a manner that results in excessive traffic or unreasonable usage patterns, as determined by Telvatec.

7. Intellectual Property
All content on the Telvatec website and mobile app, including logos, trademarks, service marks, software, and other intellectual property, is owned by Telvatec or licensed to us. You may not copy, reproduce, or use any of our content without prior written consent.

8. Limitation of Liability
To the maximum extent permitted by law, Telvatec will not be liable for any indirect, incidental, or consequential damages arising from the use or inability to use our services, including but not limited to loss of profits, data, or business interruption. Our liability is limited to the amount paid by you for the services in the six months prior to the event giving rise to the claim, not exceeding $5,000.

9. Governing Law and Dispute Resolution
For users residing in the United States, these Terms of Service are governed by the laws of the State of New York. Any disputes arising under these terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA).
For non-U.S. users, these Terms of Service are governed by the laws of the applicable jurisdiction where Telvatec operates.

10. Privacy and Data Protection
Your use of the Telvatec services is subject to our Privacy Policy, which describes how we collect, store, and process your personal information. By using our services, you agree to the terms outlined in the Privacy Policy, including provisions related to international calling, mobile top-ups, and money transfers.

11. Force Majeure
Telvatec shall not be liable for any failure to perform or delay in performing its obligations due to events beyond our reasonable control, including but not limited to acts of God, natural disasters, war, strikes, or interruptions in telecommunications or internet services.

12. Contact Information
For any questions or concerns regarding these Terms of Service, please contact us at info@Telvatec.com.

Privacy Policy

Telvatec is dedicated to safeguarding your personal data and respecting your privacy. This Privacy Policy explains how we collect, process, and protect your personal information when you use our services, including international calling, mobile top-ups, and money transfers. It also describes your rights and how you can exercise them.

If you have any questions regarding this Privacy Policy, please contact us at info@Telvatec.com.

1. Scope of This Policy
   This Privacy Policy applies to anyone using our website or mobile apps for international calling, mobile top-up, or money transfer services, purchasing products, or engaging with us in any way. Please read this policy carefully before using our services, as it governs how we handle your personal data.
2. Information We Collect and How We Use It

We collect personal data when you register for an account, use our services, or make purchases. Below are the categories of data we collect and how we use them:

• • Account Information: Includes your name, phone number, email address, password, and profile picture. This data helps us create and manage your account for seamless use of international calling, mobile top-up, and money transfer services.
  • Device and Connection Information: We collect device information, such as model, operating system, browser type, IP address, and network provider. This helps optimize our services for your device and resolve technical issues.
  • Activity and Usage Information: Includes logs of your interactions, such as call durations, top-up history, transaction amounts for money transfers, and feature usage. We use this data to improve service performance and tailor your experience.
  • Money Transfer Information: For money transfers, we collect details such as sender and recipient information, transaction amounts, currencies, payment methods, and fees. This data is essential for processing transfers securely and in compliance with regulatory requirements.
  • Location Data: If you enable location services, we may collect your location to enhance features like providing accurate exchange rates for money transfers or local currency options for mobile top-ups.
  • Payment Information: We collect billing details such as your name, address, and payment method for international calling, mobile top-ups, and money transfers. Note that we do not store full payment card information, only essential details for transaction processing.
  • Customer Support and Social Media: If you contact us via support channels or social media, we may keep a record of your correspondence to provide efficient assistance and resolve issues.
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Legal Basis for Processing

We process your data based on the following legal grounds:

• • Contractual Necessity: To provide and manage your account and deliver international calling, mobile top-up, and money transfer services.
  • Legal Compliance: To fulfill obligations such as anti-money laundering (AML) laws for money transfers and lawful intercept requirements for international calling.
  • Legitimate Interests: To prevent fraud, conduct business analysis, and improve our services.

5. Data Security

We have implemented robust legal, technical, and organizational measures to protect your personal data, especially sensitive information related to money transfers and mobile top-ups, from unauthorized access, disclosure, or misuse. These measures are continuously reviewed to ensure the highest level of protection.

6. Sharing of Information

We may share your data with trusted third-party service providers to help process international calls, mobile top-ups, or money transfers. For instance, for money transfers, we work with financial institutions and partners who assist in processing transactions.

We may also disclose your data to comply with legal obligations, such as providing information to authorities in cases of suspected fraud or AML compliance. We ensure all third parties adhere to applicable data protection regulations.

Telvatec will never sell your personal data to third parties without your explicit consent.

7. Communications

We may use your personal data to communicate service updates, system alerts, transaction confirmations, and promotional messages. You can manage your communication preferences, including opting out of promotional messages, by following the instructions in those messages or contacting our support team at support@Telvatec.com.

8. Links to Third-Party Sites

Our website or app may contain links to third-party websites. Telvatec is not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal data.

9. Data Retention

We retain your personal data, including international call logs, mobile top-up records, and money transfer transactions, only as long as necessary to fulfill the purposes for which it was collected or as required by law (e.g., for AML compliance or tax reporting). After that, the data will either be securely deleted or anonymized.

10. Your Rights

Under applicable data protection laws, you have the following rights in relation to your personal data:

• • Right to Access: You can request access to the personal data we hold about you.
  • Right to Rectification: You can ask us to correct any inaccurate data.
  • Right to Erasure: In certain circumstances, you can request the deletion of your data. However, legal obligations may prevent us from immediately deleting certain information, such as transaction records for money transfers.
  • Right to Restriction or Objection: You have the right to restrict or object to certain data processing activities.

If you wish to exercise any of your rights, please contact us at info@Telvatec.com.

11. Changes to the Privacy Policy

We may update or modify this Privacy Policy at any time to reflect changes in our services, such as the addition of new features for international calling, mobile top-ups, or money transfer services, or to comply with legal requirements. The latest version will always be available on our website and app.

12. Contact Information

If you have any questions about this Privacy Policy or your personal data, please reach out to us at info@Telvatec.com.

Refund Policy

Telvatec is committed to providing reliable services for international calling, mobile top-ups, and money transfers. This Refund Policy explains the conditions under which refunds may be issued for purchases made through Telvatec’s platform.

1. General Refund Terms
   All purchases of Telvatec services, including international calling credits, mobile top-ups, and money transfers, are final and non-refundable once the transaction has been completed. Refunds will only be issued under specific conditions as outlined below:
2. Eligibility for Refunds

• International Calling
  • Refunds may be issued if there is a technical issue preventing the completion of an international call, and Telvatec confirms that the issue originated from our systems or partners.
  • If a call is charged incorrectly due to a system error, a refund may be issued for the overcharged amount.
• Mobile Top-Ups
  • Once a mobile top-up has been processed and credited to the recipient’s account, it is final and cannot be reversed or refunded.
  • In cases where the mobile top-up fails to reach the recipient due to a technical error attributable to Telvatec or its partners, a refund may be issued or the top-up may be reprocessed.
• Money Transfers
  • Money transfers are final once the transaction has been processed and delivered to the recipient’s bank account, mobile wallet, or other supported destination.
  • If a money transfer is delayed or not completed due to a fault in Telvatec’s systems or partners, we may offer a refund or reprocess the transfer.
  • If a transfer is flagged for regulatory or AML reasons and cannot be completed, a refund will be issued to the sender.

3. Requesting a Refund

 How to Request a Refund

• To request a refund, customers must contact Telvatec customer support at support@Telvatec.com within 30 days of the transaction in question. The refund request should include:
• • The date and details of the transaction
  • The reason for requesting the refund
  • Any relevant supporting documentation or evidence
• Refund Process
  Once a refund request is received, Telvatec will investigate the issue and respond within 5-7 business days. If a refund is approved, the funds will be credited back to the original payment method used for the transaction. Refund processing times may vary depending on the payment provider.

4. Exceptions and Non-Refundable Cases

 Non-Refundable Cases

• • Purchases of international calling credits, mobile top-ups, and money transfers that were completed successfully and delivered as intended are non-refundable.
  • Refunds will not be issued in cases where a customer has provided incorrect information (e.g., wrong recipient mobile number for a top-up or incorrect bank details for a money transfer).
• Chargebacks
  If you believe there has been unauthorized use of your payment method, you should contact your bank or payment provider immediately. Chargebacks are handled in accordance with the payment provider’s policies and may result in suspension of your Telvatec account if determined to be fraudulent.

• Changes to the Refund Policy

Telvatec reserves the right to update or modify this Refund Policy at any time. Changes will be posted on our website, and it is your responsibility to review this policy periodically.

6. Contact Information

For any questions or refund requests, please contact us at info@Telvatec.com.

Compliance Policy

We are committed to maintaining the highest standards of compliance with all applicable laws and regulations, ensuring the ethical and lawful operation of our services. This policy outlines the key areas where Telvatec complies with regulatory requirements, including international calling, mobile top-ups, and money transfer services.

1. Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) Compliance
   Telvatec strictly adheres to anti-money laundering (AML) and counter-terrorist financing (CTF) regulations. We implement comprehensive measures to detect and prevent the use of our money transfer services for illicit purposes. These measures include:

• • Customer Due Diligence (CDD): We collect and verify customer information, including identity documents, to ensure compliance with AML and CTF laws.
  • Transaction Monitoring: We monitor transactions for suspicious activity, such as unusually large or frequent money transfers. Any suspicious activity will be reported to the relevant authorities.
  • Record Retention: Telvatec retains transaction records and identity verification documents for the required period as mandated by law.

2. Data Protection and Privacy Compliance
   We comply with data protection regulations, including the General Data Protection Regulation (GDPR) for our European customers. This includes the secure handling, processing, and storage of personal data collected during the use of our international calling, mobile top-up, and money transfer services. Telvatec ensures:

• • Transparency: Our Privacy Policy outlines how we collect, use, and protect customer data.
  • User Rights: Customers have the right to access, rectify, or request deletion of their data.
  • Security Measures: We implement technical and organizational measures to protect personal data from unauthorized access, disclosure, or breaches.

3. Financial Regulations and Payment Processing
   Telvatec complies with all financial regulations related to the processing of payments, ensuring the secure and lawful management of funds for mobile top-ups, international calling credits, and money transfers. This includes adherence to:

• • Know Your Customer (KYC): We verify the identity of users to prevent fraud and money laundering.
  • PCI-DSS Compliance: Telvatec ensures that payment processing systems comply with the Payment Card Industry Data Security Standards (PCI-DSS) to protect cardholder data.

4. Consumer Protection and Fair Usage
   Telvatec is dedicated to protecting consumers and ensuring fair usage of its services. This includes:

• • Clear Communication: We provide transparent pricing and service information for international calls, mobile top-ups, and money transfers.
  • Ethical Marketing: Telvatec adheres to ethical marketing practices, ensuring that promotional materials do not mislead or deceive customers.
  • Service Fair Usage: We reserve the right to suspend or limit services in cases of excessive or unreasonable usage, particularly in connection with international calling and mobile top-up services.

5. Legal and Regulatory Cooperation
   Telvatec fully cooperates with regulatory authorities and law enforcement agencies in all relevant jurisdictions. We respond to lawful requests for information in compliance with local and international regulations, including requests related to fraud investigations, financial crimes, and lawful intercepts.

5. Ongoing Training and Compliance Monitoring
   Telvatec provides regular training to staff to ensure awareness and understanding of relevant legal and regulatory requirements. We also conduct periodic audits to ensure ongoing compliance with laws and regulations in the jurisdictions where we operate.

Cookie Policy

We use cookies to enhance your experience on our website. Cookies are small text files stored on your device to help us track your preferences, manage sessions, and improve the overall functionality of our services, including international calling, mobile top-ups, and money transfers.

1. How Telvatec Uses Cookies Cookies help us provide a smoother, more customized experience. Here’s how:

• • Remembering You: Cookies help us remember your login credentials for international calling, mobile top-ups, and money transfer services, so you don’t have to log in every time.
  • Saving Your Preferences: We use cookies to save language settings, currency preferences, and other choices you make on the site.
  • Tracking Offers and Vouchers: Cookies allow us to track your interactions with promotional offers, such as discounts on international calls or money transfers.
  • Google Analytics and Remarketing: We use first-party and third-party cookies to serve targeted ads and analyze traffic on our site. This includes remarketing efforts to ensure that our ads are relevant to your use of Telvatec’s services.

2. Managing Cookies You can block or delete cookies at any time through your browser settings. However, doing so may impact your ability to use our services fully, such as staying logged in for international calls or saving preferred settings for money transfers.

3. Third-Party Cookies We work with third-party providers, such as Google Analytics, to track site performance and improve service offerings. These providers may place cookies on your device to collect data for analytics or targeted advertising.

4. Updates to the Cookie Policy This Cookie Policy may be updated periodically. We encourage you to review it regularly to stay informed about any changes.

For any questions, contact us at info@Telvatec.com.

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