1. Payment Services and Eligibility.

1.1 Payment Services. Bitemirate is a payment services provider and acts as such by creating, hosting, maintaining and providing our Bitemirate Services to you via the Internet. Our services allow you to send payments to anyone with a Bitemirate Account, and, where available, to receive payments. Our service availability varies by country. We offer services in compliance with local laws and regulations.

Bitemirate is not a remittance business or a money transfer service and the Personal Payments feature may not be used to remit funds to third parties.

We do not have any control over, and are not responsible or liable for, the products or services that are paid for with our Bitemirate Service. We cannot ensure that a buyer or a Seller you are dealing with will actually complete the transaction.

Bitemirate is not a common carrier or public utility.

1.2 Eligibility. To be eligible to use the Bitemirate Services, you must be at least 18 years old or higher based on the age of majority in your jurisdiction, and a resident of one of the countries listed on the  Bitemirate Worldwide  page.

You must list your correct country of residence in your Account. This Agreement applies only to Users who are residents of one of the countries listed in Section 1.1 above. If you are a resident of another country, you may access the agreement that applies to you from our website in your country.

1.3 Information. In order to open and maintain an Account, you must provide us with correct and updated Information.

1. Your contact information. It is your responsibility to keep your primary email address up to date so that Bitemirate can communicate with you electronically. You understand and agree that if Bitemirate sends you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Bitemirate will be deemed to have provided the Communication to you effectively. Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add Bitemirate to your email address book so that you will be able to view the Communications we send to you.
   
   You can update your primary email address or street address at any time by logging into the Bitemirate website. If your email address becomes invalid such that electronic Communications sent to you by Bitemirate are returned, Bitemirate may deem your Account to be inactive, and you will not be able to transact any activity using your Bitemirate Account until we receive a valid, working primary email address from you.
2. Identity Verification. You authorize Bitemirate, directly or through third parties, to make any inquiries we consider necessary to validate your identity. This may include asking you for further information or documentation, requiring you to provide a taxpayer or national identification number, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report or verifying your Information against third party databases or through other sources.
3. Credit Report Authorization. If you open a Business Account, you are providing Bitemirate with your written instructions and authorization in accordance with any applicable law to obtain your personal and/or business credit report from a credit bureau. You are also authorizing Bitemirate to obtain your personal and/or business credit report: (a) when you request certain new products, or (b) at any time Bitemirate reasonably believes there may be an increased level of risk associated with your Business Account.
4. Updates to Information. If your credit card number or expiration date changes, we may acquire that information from our financial services partner and update your Account.

1.4 Beneficial Owner.

You must be the beneficial owner of the Account, and conduct business only on behalf of yourself.

Back to top

2. Sending Payments.

2.1 Sending Limits. We may, at our discretion, impose limits on the amount of payments you can send through the Bitemirate Services. You can view your sending limit, if any, by logging into your Account. If you have a Verified Account, we may increase your sending limits.

2.2 Default Payment Methods. When you make a payment, if you have not selected a Preferred Payment Method, Bitemirate will fund your transaction in this order (subject to availability based on your Payment Methods and country of registration):

1. Balance
2. Wire Transfer from your bank account
3. Debit card
4. Credit card

Note: If you do not want to use your balance, you must withdraw it before making a payment.

2.3 Cards as Payment Methods. By adding a debit card or credit card as a Payment Method, you are providing Bitemirate with continuous authority to automatically charge that card to obtain the relevant funds when the card is used as a Payment Method pursuant to this Agreement. You can stop the continuous authority in respect of any card by removing that card as a Payment Method in your Account Profile.

2.4 Preferred Payment Method. You may select a Preferred Payment Method each time you make a payment, except for a Preapproved Payment or a No Log-In Payment.

For a Preapproved Payment and, in most instances, a No Log-In Payment, you can select a Preferred Payment Method when you provide your initial authorization for this payment and through the My Preapproved Payments section of your Account Profile.

If you select a Preferred Payment Method but have available balance in your Account, your balance will be used to fund your payment. If eCheck is your Preferred Payment Method, it will be used to fund your Bitemirate payment, even if you have a balance. Bitemirate may limit the Payment Methods available for a transaction.

2.5 Refused and Refunded Payments. When you send a payment, the recipient is not required to accept it. Any unclaimed, refunded or denied payment will be returned to your balance or to your original Payment Method. We will return any unclaimed payment to you within 30 Days of the date you initiated the payment.

2.6 Merchant Processing Delay. When you send a payment to certain Merchants, you are providing an Authorization to the Merchant to process your payment and complete the transaction. The payment will be held as pending until the Merchant processes your payment. Some Merchants may delay processing your payment. In such an instance, your Authorization will remain valid for up to 30 Days. If your payment requires a currency conversion, the exchange rate will be determined at the time the Merchant processes your payment and completes the transaction.

2.7 Preapproved Payments. A Preapproved Payment is a payment in which you Authorize a Merchant to directly charge your Account on a one-time, regular, or sporadic basis. Preapproved Payments are sometimes called "subscriptions", "recurring payments”, “preauthorized transfers” or "automatic payments". Within two (2) Business Days of any Preapproved Payment made from your Account, you will receive a confirmation of this transaction by email.

1. Notice for Certain Preapproved Payments. If a Preapproved Payment will vary in amount and is made using an Instant Transfer, eCheck, debit card Payment Method or your Bitemirate balance, you have the right to advance notice of the amount and date of the transfer from the Merchant at least 10 Days before the transfer is made. If the Merchant provides the option, you may choose to receive this advance notice only when the amount of your Preapproved Payment will fall outside a range established between you and the Merchant. This notice is designed to protect you from having insufficient funds in your bank account to cover the Preapproved Payment.

2.8 Stopping a Preapproved Payment. You may stop a Preapproved Payment at any time up to 3 Business Days prior to the date the next payment is scheduled to be made by notifying Bitemirate. To stop a Preapproved Payment, access the "My Preapproved Payments" section of your Account Profile and follow the links to stop the payment. You may also stop a Preapproved Payment by calling Bitemirate at +971 435 19260 . Once you contact Bitemirate to stop a Preapproved Payment, all future payments under your agreement with the Merchant will be stopped. If you stop a Preapproved Payment you may still be liable to the Merchant for the payment or for other penalties under the terms of your agreement with the Merchant and you may be required to pay the Merchant through alternative means. We will be liable for your losses or damages directly caused by our failure to stop any Preapproved Payment if you have followed the instructions in this section to notify us.

Back to top

3. Eligibility for Use.

3.1 Ability to Receive Payments. The ability to receive payments varies by country. To determine whether you have the ability to receive payments.

3.2 Automatic Transfer Countries. If you are a resident of an Automatic Transfer Country, then you have the ability to receive payments but you must withdraw the full amount of your payment through an available withdrawal method. If you do not do so, the amounts will be automatically withdrawn from your Account to your withdrawal method on a regular basis. For additional terms regarding Automatic Transfer, please contact us.

3.3 Liability for Invalidated Payments. When you receive a payment, you are liable to Bitemirate for the full amount of the payment sent to you plus any Fees if the payment is later invalidated for any reason. This means that, in addition to any other liability, you will be responsible for the amount of the payment sent by the sender, plus the applicable Fees listed in Exhibit A (Fees) of this Agreement if you lose a Claim or a Chargeback, or if there is a Reversal of the payment.

You agree to allow Bitemirate to recover any amounts due to Bitemirate by debiting your balance. If there are insufficient funds in your balance to cover your liability, you must reimburse Bitemirate through other means. If a sender of a payment files a Chargeback, the card issuer, not Bitemirate, will determine who wins the Chargeback.

3.4 No Surcharges. You agree that you will not impose a surcharge or any other fee for accepting Bitemirate as a payment method without our prior written consent. You may charge a handling fee in connection with the sale of goods or services, as long as the handling fee is not higher than the handling fee you charge for non-Bitemirate transactions.

3.5 Receiving Personal Payments. If you are selling goods or services, you may not ask the buyer to send you a Personal Payment for the purchase.

3.6 Preapproved Payments and/or No Log-In Payments. If you receive Preapproved Payments and/or No Log-In Payments you must receive your buyer’s Authorization to the payment amount, frequency and duration prior to submitting the payment.

3.7 Micropayments for Digital Goods. To qualify to receive Micropayments for Digital Goods, you must submit an application, be approved by us, and have an Account in good standing. By applying for Micropayments for Digital Goods, you agree that for Digital Goods transactions you receive up to the amounts in the table below, then if a buyer opens a Dispute, Bitemirate may reverse the transaction, and remove the funds from your Account without requiring the buyer to escalate the Dispute to a Claim.

Back to top

4. Account Balances.

4.1 Balances. If you hold a balance, Bitemirate will hold your funds in pooled accounts separate from its corporate funds, and it will not use your funds for its operating expenses or for any other corporate purposes. Bitemirate will not voluntarily make your funds available to its creditors in the event of bankruptcy. You will not receive interest or other earnings on the amounts in your balance. Bitemirate may receive interest on amounts that Bitemirate holds on your behalf. You agree to assign your rights to Bitemirate for any interest derived from your funds.

4.2 Setoff of Past Due Amounts. If you have a past due amount owed to Bitemirate, an Affiliate Bitemirate may debit your Account to pay any amounts that are more than 180 Days past due.

4.3 Negative Balances and Multiple Currencies. If your Account has a negative balance, Bitemirate may set-off the negative balance with any funds that you subsequently add or receive into your Account. If you have multiple currency balances in your Account and one of the currency balances becomes negative for any reason, Bitemirate may set-off the negative balance by using funds you maintain in a different currency balance. If you open more than one Account, Bitemirate may set off the negative balance in one Account by using any balance that you maintain in your other Account(s). In the event that a negative balance is offset by Bitemirate pursuant to this paragraph, it may be bundled with another debit coming out of your Account.

Back to top

5. Withdrawing Money.

5.1 How to Withdraw Money. For new users All payments that you receive will be subject to an initial 30 day hold. Depending on the country in which your Account is registered, you may withdraw funds from your Account in any of these methods: (a) by electronically transferring them to your UAE bank account or to your local bank account, (b) by electronically transferring them to your Visa branded card, (c) through a Bitemirate initiated Automatic Transfer to your linked financial instrument, or (d) by requesting a physical check through the mail. In certain countries, your ability to withdraw to a local bank account may require the use of Bitemirate Retiros. Different currency rules may apply to Bitemirate Retiros. Please see terms and conditions for additional information regarding the service. Depending on the country in which your Account is registered, the currencies in which you may withdraw your funds to your local bank account may be limited. With the exception of Users with Accounts registered in the People’s Republic of China or unless otherwise specified, when withdrawing your funds to your local bank account, funds may only be withdrawn in your local currency. If you are holding a balance in UAE Dirhams, you may be able to withdraw the funds to your linked UAE bank account. If you are holding a balance in a foreign currency, you may only withdraw that balance (or part thereof) after it has been converted to (a) the local currency if you are withdrawing your funds to your local bank account or (b) UAE Dirhams if you are withdrawing your funds to your linked UAE bank account. Depending on the country in which your Account is registered, you may be able to withdraw your funds through a third party service provider. Please see terms of such third party for information regarding currency conversions.

Generally, we will send checks only to confirmed addresses, unless you have a Verified Account. We will not send checks to post office boxes. If you would like us to send a check to an address that does not meet these criteria, you must contact Customer Service and provide the documentation that we request to verify your association with the address. If you fail to cash a check within 180 Days of the date of issuance, we will return the funds to your balance (minus a Fee).

5.2 Withdrawal Limits. Depending on the degree to which you have Verified your Account, we may limit your ability to withdraw funds until you comply with our requests for information. You can view your withdrawal limit, if any, by logging into your Account. In addition, we may delay withdrawals of large sums of money while we perform a risk review. Please see terms and conditions of the Bitemirate Retiros service for information regarding the limits applicable to such service. 

5.3 Withdrawal Fees. When withdrawing your balance, you will be charged the Withdrawing your Balance Fee as set out in Exhibit A (Fees) depending on the method of withdrawal. In addition, if you withdraw your balance in a currency other than the currency in which the balance on your Account is denominated, you will additionally be charged Currency Conversion Fees as set out in Exhibit A (Fees).

5.4 Payment Hold Period:

Back to top

6. Closing Your Account.

6.1 How to Close Your Account. You may close your Account at any time by following the instructions in your Account Profile. Upon Account closure, we will cancel any pending transactions and you will forfeit any balances associated with Redemption Codes, unless otherwise legally prohibited. You must withdraw your balance prior to closing your Account.

6.2 Limitations on Closing Your Account. You may not evade an investigation by closing your Account. If you close your Account while we are conducting an investigation, we may hold your funds to protect Bitemirate, Affiliates or a third party against the risk of Reversals, Chargebacks, Claims, fees, fines, penalties and other liability. You will remain liable for all obligations related to your Account even after the Account is closed.

Back to top

7. Bitemirate Buyer Protection.

7.1 Types of Problems Covered. Bitemirate Buyer Protection helps you if you encounter either of these problems:

• "Item Not Received" (INR): You did not receive the item you paid for with Bitemirate; or
• "Significantly Not as Described" (SNAD) You received an item you paid for with Bitemirate but it is Significantly Not as Described (SNAD).

If your problem is a transaction that you did not authorize, please see section 8 below.

An item is "Significantly Not as Described" (SNAD) if it is materially different from what the Seller described on its website or in the item listing. Here are some examples:

• You received a completely different item. For example, you purchased a book and received a DVD or an empty box.
• The condition of the item was misrepresented. For example, the description when you bought the item said “new” and the item was used.
• The item was advertised as authentic but is not authentic.
• The item is missing major parts or features which were not disclosed in its description when you bought the item.
• You purchased three items from a Seller but only received two.
• The item was materially damaged during shipment.

An item is not Significantly Not as Described (SNAD) if it is materially similar to the Seller's item listing description. Here are some examples:

• The defect in the item was correctly described by the Seller.
• The item was properly described but you didn't want it after you received it.
• The item was properly described but did not meet your expectations.
• The item has minor scratches and was listed as used condition.
• The item was listed as used condition and you picked it up in person after examining the item.

7.2 Eligibility Requirements.

a. To be eligible for Bitemirate Buyer Protection you must meet all of the following requirements:

• Your payment must be for an eligible item and made from your Bitemirate Account (see Section 7.3 for further details on item eligibility)
• Open a Dispute within 180 Days of the date you sent the payment – then follow the online dispute resolution process described below under "Dispute Resolution"
• You must respond to Bitemirate’s request for documentation and other information in a timely manner
• Have an Account in good standing
• You have not received a recovery related to such purchase from another source

7.3 Ineligible Items. Payments for the following are not eligible for reimbursement under Bitemirate Buyer Protection:

• Real estate
• Businesses (when you buy all or part of a business)
• Vehicles, including motorcycles, caravans, aircrafts and boats
• Significantly Not As Described Claims for custom made items
• Payments on crowdfunding platforms
• Items that violate Bitemirate's Acceptable Use Policy
• For Item Not Received (INR) items which you collect in person, or arrange to be collected on your behalf, including at a retail point of sale
• Industrial machinery used in manufacturing
• Stored value items such as gift cards and pre-paid cards
• Gold Bullion
• Gambling, gaming and other activity with an entry fee and a prize
• Anything purchased from or an amount paid to a government agency
• Personal Payments
• Mass Payments / Payouts
• Donations
• Financial products or investments
• Send money transactions where the sender pays the Bitemirate transaction fee

Even if your payment is not eligible for Bitemirate Buyer Protection, you can file a Dispute and resolve the issue directly with the Seller, however, Bitemirate will not find in your favor if you escalate a Dispute to a Claim when an item is not eligible for Bitemirate Buyer Protection.

7.4 Coverage Amount. If you are eligible for Bitemirate Buyer Protection and Bitemirate finds in your favor on your Claim, Bitemirate will reimburse you for the full purchase price of the item and original shipping costs.

Bitemirate will not reimburse you for the return shipping costs that you incur to return a Significantly Not as Described (SNAD) item to the Seller or other party specified by Bitemirate. If the Seller presents evidence that they delivered the goods to your address, Bitemirate may find in favor of the Seller for an Item Not Received (INR) Claim even if you did not receive the goods.

7.5 Dispute Resolution. If you are unable to resolve a problem directly with a Seller, you can go to the transaction details and open a dispute.

Open a Dispute. Open a Dispute within 180 Days of the date you made the payment to negotiate with the Seller for resolution of the Dispute.

• Escalate the Dispute to a Claim. If you and the Seller are unable to come to an agreement, you can escalate the Dispute to a Claim within 20 Days after opening the Dispute.

You must wait at least 7 Days from the date of payment to escalate a Dispute for an Item Not Received (INR) Claim. If you do not escalate the Dispute to a Claim within 20 Days, Bitemirate will permanently close the Dispute.

• Respond to Bitemirate's requests for information in a timely manner. During the Claim process, Bitemirate may require you to provide documentation or other information. You may be asked to provide receipts, third party evaluations, police reports, or anything else that Bitemirate specifies.
• Comply with Bitemirate's shipping requests in a timely manner. For Significantly Not as Described (SNAD) Claims, Bitemirate will generally require you, at your expense, to ship the item back to the Seller, or to Bitemirate, or to a third party and to provide proof of delivery.

For transactions that total less than $250 USD (or the equivalent in other currencies as listed below), proof of delivery is confirmation that can be viewed online and includes the delivery address showing at least city/state or postal code, delivery date, and the URL to the shipping company’s website if you’ve selected “Other” in the shipping drop down menu. For transactions that total $250 USD or more (or the equivalent in other currencies as listed in the table below), you must also get a signature confirmation of the delivery (except for buyers having a Bitemirate Account registered: in Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, or Ukraine to whom such requirement won’t apply)

 

$250 USD signature confirmation requirement – other currencies equivalents:

• Claim Resolution Process. Once a Dispute has been escalated to a Claim, Bitemirate will make a final decision in favor of the buyer or the Seller. You may be asked to provide receipts, third party evaluations, police reports, or anything else that Bitemirate specifies. Bitemirate retains full discretion to make a final decision in favor of the buyer or the Seller. In the event that Bitemirate makes a final decision in favor of the buyer or Seller, each party must comply with Bitemirate’s decision. Bitemirate will generally require the buyer to ship an item that the buyer claims is SNAD back to the Seller (at the buyer’s expense), and Bitemirate will generally require a Seller to accept the item back and refund the buyer the full purchase price plus original shipping costs. In the event a Seller loses a Claim, the Seller will not receive a refund on his or her Bitemirate fees associated with the transaction. If you are a Seller and you lose a SNAD Claim because the item you sold is counterfeit, you will be required to provide a full refund to the buyer and you will not receive the item back.

7.6 Digital Goods Micropayment Disputes and Claims. If you file a Dispute for a Digital Goods purchase of up to the amounts in the table below, Bitemirate may, at its sole discretion, refund the transaction without requiring you to escalate the Dispute to a Claim.

Bitemirate may limit the number of Digital Goods refunds that you may receive. If these are limited or if your purchase is not eligible for coverage, you will still be able to follow Bitemirate’s standard dispute resolution processes described in this Section 7 to attempt to resolve the issue with the Seller directly.

7.7 Relationship between Bitemirate's protection programs and Chargebacks. Credit card Chargeback rights, if they apply, may be broader than Bitemirate’s protection programs. Chargebacks may cover unsatisfactory items even if they do not qualify as SNAD. You may pursue a Dispute/Claim with Bitemirate, or you may contact your credit card company and pursue your Chargeback rights. You may not pursue both at the same time or seek a double recovery. If you have an open Dispute or Claim with Bitemirate, and also file a Chargeback with your credit card company, Bitemirate will close your Dispute or Claim, and you will have to rely solely on your Chargeback rights.

Before contacting your card issuer or filing a Dispute with Bitemirate, you should contact the Seller to resolve your issue in accordance with the Seller’s return policy as stated on their auction or website.

7.8 Claims filed with Seller or other third parties. You may not file a Dispute/Claim under Bitemirate Buyer Protection if you have already filed a claim with the Seller or another third party .

7.9 No Double Recovery. You may not receive a recovery for a purchase under Bitemirate Buyer Protection if you have already received a recovery for that purchase directly from the Seller or another third party.

Back to top

8. Errors and Unauthorized Transactions.

8.1 Protection for Unauthorized Transactions and Errors. When an Unauthorized Transaction or an Error occurs in your Account, Bitemirate will cover you for the full amount of every eligible Unauthorized Transaction or Error so long as you follow the procedures discussed below.

An Unauthorized Transaction occurs when a payment is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your Account, and sends a payment from your Account, an Unauthorized Transaction has occurred. If you give someone access to your Account (by giving them your login information) and they conduct transactions without your knowledge or permission, you are responsible for any resulting use.

The 2 Step Verification Must be Activated on Your Account to be Eligible for Protection.

8.2 Notification Requirements.

a. You should immediately notify Bitemirate if you believe:

• there has been an Unauthorized Transaction or unauthorized access to your Account;
• there is an Error in your Account history statement (you can access your Account history statement by logging into your Account and clicking on a link to “View all of my transactions” ) or in your transaction confirmation sent to you by email;
• your password or Bitemirate Mobile PIN has been compromised;
• your Bitemirate Mobile-activated phone has been lost, stolen or deactivated; or
• you need more information about a transaction listed on the statement or transaction confirmation.

b. To be eligible for protection for Unauthorized Transactions, you must notify us within 60 Days after any Unauthorized Transaction first appears in your Account history statement. We will extend the 60 Day time period if a good and demonstrable reason, such as a hospital stay, kept you from notifying us within 60 Days.

You should regularly log into your Account and review your Account history statement to ensure that there has not been an Unauthorized Transaction or Error. Bitemirate will also send an email to the primary email address you have provided in order to notify you of each transaction from your Account. You should also review these transaction confirmations to ensure that each transaction was authorized and is accurate.

For Unauthorized Transactions or Errors in your Account, notify us as follows:

• Your name and email address registered to your Account;
• A description of any suspected Unauthorized Transaction or Error and an explanation as to why you believe it is incorrect or why you need more information to identify the transaction; and
• The amount of any suspected Unauthorized Transaction or Error.

If you notify us orally, we may require that you send us your complaint or question in writing within 10 Business Days. During the course of our investigation, we may request additional information from you.

8.3 Bitemirate Actions after Receipt of Your Notification. Once you notify us of any suspected Unauthorized Transaction or Error, or we otherwise learn of one, we will do the following:

• We will conduct an investigation to determine whether there has been an Unauthorized Transaction or Error that is eligible for protection.
• We will complete our investigation within 10 Business Days of the date we received your notification of the suspected Unauthorized Transactions or Error. If your Account is new (the first transaction from your Account was less than 30 Business Days from the date you notify us), we may take up to 20 Business Days to complete this investigation. If we need more time, we may take up to 45 Days to complete our investigation (or up to 90 Days for new Accounts, or if your transaction was at a point of sale where you were physically present, or a foreign initiated transaction).
• If we decide that we need more time to complete our investigation, we will provisionally credit your Account for the amount of the suspected Unauthorized Transaction or Error. You will receive the provisional credit within 10 Business Days of the date we received your notice (or 20 Business Days for new Accounts). This will allow you to have use of the money until we complete the investigation. We will notify you of the provisional credit within 2 Business Days of the crediting. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days (or 20 Business Days for new Accounts), we will not provisionally credit your Account.
• We will inform you of our decision within 3 Business Days after completing our investigation.

If we determine that there was an Unauthorized Transaction or Error, we will promptly credit the full amount into your Account within 1 Business Day of our determination. Or, if you have already received a provisional credit, you will be allowed to retain those amounts.

If we decide that there was not an Unauthorized Transaction or Error, we will include an explanation of our decision in our email to you. If you received a provisional credit, we will remove it from your Account and notify you of the date and amount of the debit. You may request copies of the documents that we used in our investigation.

8.4 Bitemirate Errors. We will rectify any Error that we discover. If the Error results in your receipt of less than the correct amount to which you are entitled, Bitemirate will credit your Account for the difference. If the Error results in your receipt of more than the correct amount to which you are entitled, Bitemirate will debit the extra funds from your Account.

8.5 Your Errors. If you erroneously send a payment to the wrong party, or send a payment for the wrong amount (based on a typographical error, for example), your only recourse will be to contact the party to whom you sent the payment and ask them to refund the payment. Bitemirate will not reimburse you or reverse a payment that you have made in error.

Back to top

9. Bitemirate Seller Protection.

9.1 Bitemirate Seller Protection.

Bitemirate Seller Protection is protection we provide to Sellers from Claims, Chargebacks, or Reversals that are based on

• Unauthorized Transaction; or
• Item Not Received.

Bitemirate Seller Protection is available for eligible payments from buyers in any country. If you sell or market to buyers in other countries, you should read the Bitemirate Buyer Protection policies of the countries in which your target buyers are based (the relevant Bitemirate Buyer Protection policies are available . as these policies will apply to you as a Payment Recipient or Seller.

9.2 Scope of Protection. Bitemirate will protect you for the full amount of the eligible payment and waive the Chargeback Fee, if applicable.

9.3 Eligibility Requirements. To be eligible for Bitemirate Seller Protection, you must meet all of the basic requirements listed below under (a) Basic Requirements. To be covered for Item Not Received protection you must meet both the Basic Requirements and the Item Not Received Additional Requirements listed below under (b). To be covered for Unauthorized Transactions protection you must meet both the Basic Requirements and the Unauthorized Transactions Additional Requirements listed below under (c)

a. Basic Requirements:

• You must ship the item to the shipping address on the Transaction Details Page.
• You must respond to Bitemirate's requests for documentation and other information in a timely manner.
• The item must be a physical, tangible good that can be shipped.
• You must accept payment from one Bitemirate account for the purchase (partial payment and/or payment in installments are excluded).

b. Item Not Received Additional Requirements:

• The payment must be marked "eligible" or "partially eligible" for Bitemirate Seller Protection on the Transaction Details Page.
• You must have a Proof of Delivery as described below in Section 9.4.
• You must ship the item within 7 Days of receipt of payment. Or, if the payment is for pre-ordered or made-to-order goods, shipment is required within the timeframe specified in your item listing.

c. Unauthorized Transactions Additional Requirements:

• The payment must be marked "eligible" for Bitemirate Seller Protection on the Transaction Details Page.
• You must have a Proof of Shipment or a Proof of Delivery as described below in Section 9.4.

9.4 Proof of Shipment, Proof of Delivery, and Signature Confirmation Requirements:

"Proof of Shipment" is online or physical documentation from a shipping company that includes all of the following:

• The date the item is shipped.
• The recipient's address, showing at least the city/state or postal code (or international equivalent).

"Proof of Delivery (for tangible items)" is online documentation from a shipping company that includes all of the following:

• The date the item is delivered.
• The recipient's address, showing at least the city/state or postal code (or international equivalent).
• Signature Confirmation as described below for payments of $750 USD or more (or the following equivalents), save for Sellers having a Bitemirate Account registered in Albania, Andorra, Bosnia and Herzegovina, Croatia, and Ukraine to whom such requirement won’t apply):

"Signature Confirmation" is online documentation that can be viewed at the shipping company's website and indicates that the item was signed for on delivery.

“Proof of Delivery (for intangible or virtual items or services)” means any compelling evidence to show the purchase order was fulfilled and includes all of the following:

a. The date the item or service was provided;

b. The recipient’s address (email/IP, etc) where applicable.

NOTE: Although Buyer Protection extends coverage to buyers for intangible items, Seller Protection does not apply to intangible items.

9.5 Items/Transactions not Eligible for Bitemirate Seller Protection.

The following are examples of items/transactions not eligible for Bitemirate Seller Protection:

• Claims or Chargebacks for Significantly Not as Described.
• Items that you deliver in person, including at a point of sale.
• Intangible items, including Digital Goods and services.
• Items equivalent to cash (including, without limitation, gift cards or vouchers).
• Gold Bullion.
• Bitemirate Direct Payments (including Virtual Terminal Payments and Website Payments Pro/Plus payments).
• Mass Payment / Payouts.
• Counterfeit goods.
• Items that are not shipped to the recipient address. If you originally ship the item to the recipient address but the item is later redirected to a different address, you will not be eligible for Bitemirate Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery.
• Donations.
• Financial products and investments.

Back to top

10. Restricted Activities.

10.1 Restricted Activities. In connection with your use of our website, your Account, the Bitemirate Services, or in the course of your interactions with Bitemirate, other Users, or third parties, you will not:

1. Breach this Agreement, the Commercial Entity Agreement, the Acceptable Use Policy or any other Policy that you have agreed to with Bitemirate;
2. Violate any law, statute, ordinance, or regulation;
3. Infringe Bitemirate's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
4. Sell counterfeit goods;
5. Act in a manner that is defamatory, trade libelous, threatening or harassing to our employees, agents or other Users;
6. Provide false, inaccurate or misleading Information;
7. Engage in potentially fraudulent or suspicious activity and/or transactions;
8. Refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us;
9. Receive or attempt to receive funds from both Bitemirate and the Seller, bank or card issuer for the same transaction during the course of a Dispute;
10. Control an Account that is linked to another Account that has engaged in any of these Restricted Activities;
11. Conduct your business or use the Bitemirate Services in a manner that results in or may result in complaints, Disputes, Claims, Reversals, Chargebacks, fees, fines, penalties and other liability to Bitemirate, other Users, third parties or you;
12. Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the Bitemirate Services;
13. Use your Account or the Bitemirate Services in a manner that Bitemirate, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules;
14. Allow your Account to have a negative balance;
15. Use a credit card with your Account to provide yourself a cash advance (or help others to do so);
16. Access the Bitemirate Services from a country that is not listed on Bitemirate's Worldwide page.
17. Disclose or distribute another User's Information to a third party, or use the Information for marketing purposes unless you receive the User’s express consent to do so;
18. Send unsolicited email to a User or use the Bitemirate Services to collect payments for sending, or assisting in sending, unsolicited email to third parties;
19. Take any action that imposes an unreasonable or disproportionately large load on our infrastructure;
20. Facilitate any viruses, trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or Information;
21. Use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission;
22. Use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with our website or the Bitemirate Services;
23. Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers; or
24. Abuse (as either a buyer or seller) our online Dispute Resolution process and/or Bitemirate Buyer Protection.

Back to top

11. Your Liability - Actions We May Take.

11.1 Your Liability.

a. General. You are responsible for all Reversals, Chargebacks, Claims, fees, fines, penalties and other liability incurred by Bitemirate, a User, or a third party caused by or arising out of your breach of this Agreement, and/or your use of the Bitemirate Services. You agree to reimburse Bitemirate, a User, or a third party for any and all such liability.

b. Liability for Claims under Bitemirate Buyer Protection. If you are a Seller and you lose a Claim filed directly with Bitemirate, you will be required to reimburse Bitemirate for your liability. Where you receive payment from a Bitemirate Account holder in another country and we determine under the Buyer Protection policy of that country that the funds received should be returned or reversed, you will be required to reimburse Bitemirate for your liability (before receiving payment from a Bitemirate Account holder in another country, you should review the relevant Bitemirate Buyer Protection policies available . Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the Bitemirate Fees that you were charged for the transaction. Bitemirate Seller Protection will cover your liability for eligible Claims based on Item not Received, and eligible Unauthorized Transactions - see Section 9 (Bitemirate Seller Protection) above.

If a buyer files a Significantly Not as Described (SNAD) Claim for an item he or she purchased from you, you will generally be required to accept the item back and refund the buyer the full purchase price plus original shipping costs. You will not receive a refund on your Bitemirate Fees. Further, if you lose a SNAD Claim because we, in our sole discretion, reasonably believe the item you sold is counterfeit, you will be required to provide a full refund to the buyer and you might not receive the item back from the buyer (for instance, it may be disposed of or otherwise irreversibly dealt with). Bitemirate Seller Protection will not cover your liability for SNAD Claims.

c. Liability for instructions given by you on your Account. Any instructions given by you on your Account (whether verbal or in writing) once you have been authenticated will be relied on by Bitemirate. Bitemirate will not be liable for any loss or damage you or anyone else suffers where Bitemirate acts on those instructions in good faith, unless it was proved that Bitemirate was negligent.

11.2 Reimbursement for Your Liability. In the event that you are liable for any amounts owed to Bitemirate, Bitemirate may immediately remove such amounts from your balance. If you do not have a balance that is sufficient to cover your liability, your remaining balance (if any) will be removed, your Account will have negative balance up to the amount of your liability, and you will be required to immediately Add Money to your Bitemirate balance or reimburse Bitemirate through an alternative method. If you do not do so, Bitemirate may engage in collection efforts to recover such amounts from you.

11.3 Actions by Bitemirate – Restricted Activities. If Bitemirate, in its sole discretion, believes that you may have engaged in any Restricted Activities, we may take various actions to protect Bitemirate, Affiliates other Users, other third parties or you from Reversals, Chargebacks, Claims, fees, fines, penalties and any other liability. The actions we may take include but are not limited to the following:

1. We may close, suspend, or limit your access to your Account or the Bitemirate Services;
2. We may suspend your eligibility for Bitemirate Buyer Protection and/or Bitemirate Seller Protection;
3. We may hold, apply or transfer the funds in your Account as required by judgments and orders which affect you or your Account, including judgments and orders issued by courts in UAE or elsewhere and directed to Bitemirate or its Affiliates;
4. We may refuse to provide the Bitemirate Services to you now and in the future; and
5. We may hold your funds for a period of time reasonably needed to protect against the risk of liability to Bitemirate or a third party, or if we believe that you may be engaging in potentially fraudulent or suspicious activity and/or transactions.

11.4 Actions by Bitemirate - Holds.

1. Risk-Based Holds. Bitemirate, in its sole discretion, may place a hold on any or all of the payments you receive when Bitemirate believes there may be a high level of risk associated with you, your Account, or any or all of your transactions. Bitemirate’s determination may be based on different factors and Bitemirate may rely on information it receives from third parties. If Bitemirate places a hold on a payment, the funds will appear as pending balance or withheld and the payment status will indicate the hold. If Bitemirate places a hold on any or all of the payments you receive, Bitemirate will provide you with notice of our actions. Bitemirate will release the hold on any payment after 30 Days from the date the payment was received into your Account unless Bitemirate has a reason to continue to hold the payment such as (a) the receipt of a Dispute, Claim, Chargeback, or Reversal, (b) Bitemirate believes that you have violated the terms of this Agreement or any other Policy and that such a violation results in the need to continue holding the funds, or (c) Bitemirate believes that you may be engaging in potentially fraudulent or suspicious activity and/or transactions. In such an event, Bitemirate may continue holding the payment in your Account until the matter is resolved pursuant to this Agreement. Bitemirate, in its sole discretion, may release the hold earlier under certain circumstances, for example when you upload tracking information of the item you shipped.
2. Disputed Transaction Holds. If a User files a Dispute, Claim, Chargeback or Reversal on a payment you received, Bitemirate may place a temporary hold on the funds in your Account to cover the amount of the liability. If you win the dispute or the transaction is eligible for Bitemirate Seller Protection, Bitemirate will lift the temporary hold. If you lose the dispute, Bitemirate will remove the funds from your Account.11.5 Actions by Bitemirate - Reserves.

Bitemirate, in its sole discretion, may place a Reserve on funds held in your Business Account when Bitemirate believes there may be a high level of risk associated with your Account or your use of any of the products and/or services offered by Bitemirate and/or its Affiliates. If Bitemirate places a Reserve in your Account, transactions will be shown as "pending" in your Bitemirate balance, and you will not have access to funds in a “pending” status until they are cleared. If your Account is subject to a Reserve, Bitemirate will provide you with notice specifying the terms of the Reserve. The terms may require that a certain percentage of the amounts received into your Account are held for a certain period of time, or that a certain amount of money is held in Reserve, or anything else that Bitemirate determines is necessary to protect against the risk associated with your Account. Bitemirate may change the terms of the Reserve at any time by providing you with notice of the new terms.

11.6 Actions by Bitemirate - Account Closure, Termination of Service, Limited Account Access; Confidential Criteria. Bitemirate, in its sole discretion, reserves the right to terminate this Agreement and/or access to the Bitemirate Services for any reason and at any time upon notice and payment to you of any unrestricted funds held in your balance. If we limit access to your Account, including through a Reserve or hold, we will provide you with notice of our actions, and the opportunity to request restoration of access if, in our sole discretion, we deem it appropriate. Further, you acknowledge that Bitemirate’s decision to take certain actions, including limiting access to your Account, placing holds or imposing Reserves, may be based on confidential criteria that is essential to our management of risk, the security of Users’ Accounts and the Bitemirate system. You agree that Bitemirate is under no obligation to disclose the details of its risk management or its security procedures to you.

11.7 Acceptable Use Policy Violations. If you violate the Acceptable Use Policy then in addition to the above actions you will be liable to Bitemirate for the amount of Bitemirate’s damages for each violation of the Acceptable Use Policy. You agree that $50,000.00 USD (or equivalent) per transaction in violation of the Acceptable Use Policy is presently a reasonable minimum estimate of Bitemirate’s actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to Bitemirate that reasonably could be anticipated because due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. Bitemirate may deduct such damages directly from any existing balance in the offending Account, or any other Account you control.

Back to top

Disputes with Bitemirate.

12.1 Contact Bitemirate First. If a dispute arises between you and Bitemirate, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and Bitemirate regarding the Bitemirate Services may be reported to Customer Service online through the Bitemirate Help Center at any time, or by calling +971 435 19260

12.2 Arbitration. For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD (or other currencies equivalents), the party requesting relief may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through the UAE International Arbitration Centre or any other established alternative dispute resolution (“ADR”) provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

12.3 Law and Forum for Disputes. Except as otherwise agreed by the parties or as described in Section 12.2 above, you agree that any claim or dispute you may have against Bitemirate must be resolved by a court located in UAE or where the defendant is located. You agree to submit to the personal jurisdiction of the courts located within UAE for the purpose of litigating all such claims or disputes. This Agreement shall be governed in all respects by the laws of UAE as such laws are applied to agreements entered into and to be performed entirely within UAE, without regard to conflict of law provisions.

12.4 Improperly Filed Litigation. All claims you bring against Bitemirate must be resolved in accordance with Section 12 of this Agreement. All claims filed or brought contrary to Section 12 shall be considered improperly filed and a breach of this Agreement. Should you file a claim contrary to Section 12, Bitemirate may recover attorneys’ fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD, provided that Bitemirate has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

12.5 Notices to You. You agree that Bitemirate may provide you Communications about your Account, the Bitemirate Services and this Agreement electronically. Bitemirate reserves the right to close your Account if you withdraw your consent to receive electronic Communications. Any electronic Communications will be considered to be received by you within 24 hours of the time we post it to our website or email it to you. Any notice sent to you by postal mail will be considered to be received by you 3 Business Days after we send it.

12.6 Notices to Bitemirate. Except as otherwise stated above in Section 8 (Errors and Unauthorized Transactions) and Section 12.1, notice to Bitemirate must be sent by postal mail to: Bitemirate. Business Village Block B office 626, Dubai, UAE

12.7 Insolvency Proceedings. If any proceeding by or against you is commenced under any provision of any bankruptcy or insolvency law, Bitemirate will be entitled to recover all reasonable costs or expenses (including reasonable attorneys’ fees and expenses) incurred in connection with the enforcement of this Agreement.

12.8 Release of Bitemirate. If you have a dispute with one or more Users, you release Bitemirate and Affiliates (and their officers, directors, agents, joint ventures, employees and suppliers) from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes.

Back to top

13. General Terms.

13.1 Limitations of Liability. IN NO EVENT SHALL WE, OUR PARENT, SUBSIDIARIES AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES OR SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF DATA OR LOSS OF BUSINESS) ARISING OUT OF OR IN CONNECTION WITH OUR WEBSITE, THE Bitemirate SERVICES, OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE) UNLESS AND TO THE EXTENT PROHIBITED BY LAW OUR LIABILITY, AND THE LIABILITY OF OUR PARENT, SUBSIDAREIS AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES.

13.2 Services Limitation. Bitemirate is not a bank and the Bitemirate Services are payment processing services rather than banking services. Bitemirate is not acting as a trustee, fiduciary or escrow with respect to your funds, but is acting only as an agent to you and custodian to your funds. Bitemirate does not have control of, nor liability for, the products or services that are paid for with the Bitemirate Services. We do not guarantee the identity of any User or ensure that a buyer or a Seller will complete a transaction.

13.3 No Warranty. THE Bitemirate SERVICES ARE PROVIDED “AS IS” AND WITHOUT ANY REPRESENTATION OF WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. Bitemirate, OUR PARENT AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES AND OUR SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.Bitemirate does not have any control over the products or services that are paid for with the Bitemirate Services and Bitemirate cannot ensure that a buyer or a Seller you are dealing with will actually complete the transaction or is authorized to do so. Bitemirate does not guarantee continuous, uninterrupted or secure access to any part of the Bitemirate Services, and operation of our site may be temporarily suspended for maintenance or upgrade or interfered with by numerous factors outside of our control. Bitemirate will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards, and check issuances are processed in a timely manner but Bitemirate makes no representations or warranties regarding the amount of time needed to complete processing because the Bitemirate Services are dependent upon many factors outside of our control, such as delays in the banking system or mail service. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you. This paragraph gives you specific legal rights and you may also have other legal rights that vary from country to country.

13.4 Indemnification. You agree to defend, indemnify and hold Bitemirate, Affiliates, and our officers, directors, agents, joint ventures, employees and suppliers harmless from any claim, demand (including attorneys’ fees), fine, or other liability incurred by any third party due to or arising out of your or your employees’ or agents’ breach of this Agreement and/or use of the Bitemirate Services.

13.5 Bitemirate License Grant to You. If you are using Bitemirate software such as an API, developer's toolkit or other software application that you have downloaded to your computer, device, or other platform, then Bitemirate grants you a revocable, non-exclusive, non-transferable license to use Bitemirate's software in accordance with the respective documentation. This license grant includes the software and all updates, upgrades, new versions and replacement software for your personal use only. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation and use requirements contained in all Bitemirate documentation accompanying the Bitemirate Services. If you do not comply with Bitemirate's implementation and use requirements you will be liable for all resulting damages suffered by you, Bitemirate and third parties. Bitemirate may change or discontinue any APIs upon notice to you. You agree not to alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code which is derived from the software. You acknowledge that all rights, title and interest to Bitemirate's software are owned by Bitemirate. Any third party software application you use on the Bitemirate website is subject to the license you agreed to with the third party that provides you with this software. Bitemirate does not own, control nor have any responsibility or liability for any third party software application you elect to use on the Bitemirate website and/or in connection with the Bitemirate Services. If you are using the Bitemirate Services on the Bitemirate website, or other website or platform hosted by Bitemirate, or a third party, and are not downloading Bitemirate's software or using third party software applications on the Bitemirate website, then this section does not apply to your use of the hosted Bitemirate Services.

13.6 License Grant from You to Bitemirate; IP Warranties. Subject to section 13.7, when providing Bitemirate with content or posting content using Bitemirate Services, you grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, transferable, and sublicensable (through multiple tiers) right to exercise any and all copyright, publicity, trademarks, database rights and intellectual property rights you have in the content, in any media known now or in the future. Further, to the fullest extent permitted under applicable law, you waive your moral rights and promise not to assert such rights against Bitemirate, its sublicensees or its assignees. You represent and warrant that none of the following infringe any intellectual property or publicity right: your provision of content to Bitemirate, your posting of content using the Bitemirate Services, and Bitemirate’s use of such content (including of works derived from it) in connection with the Bitemirate Services.

13.7 License Grant from Merchants to Bitemirate. Section 13.6 notwithstanding, if you are a Merchant using Bitemirate Services, you grant Bitemirate the worldwide right to use and depict your business name, trademarks, and logos on our website and in Bitemirate’s mobile and web-based application for the purpose of identifying and referring to your business and your products and services and facilitating consumer transactions with you.

13.8 Intellectual Property. "Bitemirate," "Bitemirate”, “Bitemirate.com”, “Bitemirate.com.c2”, “Bitemirate.com.hk”, “Bitemirate.co.il”, “Bitemirate.co.jp”, “Bitemirate.com.tr”, “Bitemirate.com.sg” and all other URLs, logos and trademarks related to the Bitemirate Services are either trademarks or registered trademarks of Bitemirate or its licensors. You may not copy, imitate or use them without Bitemirate's prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Bitemirate. You may not copy, imitate, or use them without our prior written consent. You may use HTML logos provided by Bitemirate through our merchant services, auction tools features or affiliate programs without prior written consent for the purpose of directing web traffic to the Bitemirate Services. You may not alter, modify or change these HTML logos in any way, use them in a manner that is disparaging to Bitemirate or the Bitemirate Services or display them in any manner that implies Bitemirate's sponsorship or endorsement. All right, title and interest in and to the Bitemirate website, any content thereon, the Bitemirate Services, the technology related to the Bitemirate Services, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of Bitemirate and its licensors.

13.9 Calls to You; Mobile Telephone Numbers. By providing Bitemirate a telephone number (including a mobile telephone number), you consent to receiving calls, including autodialed and prerecorded messages from Bitemirate at that number. If we determine that a telephone number you have provided to us is a mobile telephone number, we may categorize it as such in our systems and in your Account Profile, and you consent to receive text messages from us about your use of the Bitemirate Services at that number.

13.10 Marketing. If you receive Information about another User through the Bitemirate Services, you must keep the Information confidential and only use it in connection with the Bitemirate Services. You may not disclose or distribute a User's Information to a third party or use the Information for marketing purposes unless you receive the User's express consent to do so.

13.11 Password Security. You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers (PINs), or any other codes that you use to access the Bitemirate Services.

13.12 Taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. Bitemirate is not responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes arising from any transaction.
Please be advised that you may be subject to withholding taxes or other tax liabilities with respect to importing services from a foreign entity. In addition, you may be subject to VAT, sales tax, income tax, or other tax liabilities as a seller of goods or services. It is your responsibility to check with your local tax advisor to determine which taxes apply to you, and it is your responsibility to pay such taxes to the appropriate tax authority. All Fees related to the Bitemirate Services are made free and clear of, and without any deduction or withholding for and on account of, any taxes, duties or other deductions. Any such deduction or withholding, if required by the laws of any country are your sole responsibility.

13.13 Complete Agreement and Survival. This Agreement, along with any applicable Policies on the Legal Agreements page on the Bitemirate website, sets forth the entire understanding between you and Bitemirate with respect to the Bitemirate Services. Sections 6 (Closing Your Account), 11 (Your Liability – Actions We May Take), 12 (Disputes with Bitemirate), 13 (General Terms), 14 (Definitions), and Exhibit A (Fees) as well as any other terms which by their nature should survive, will survive the termination of this Agreement. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

13.14 Assignment. You may not transfer or assign any rights or obligations you have under this Agreement without Bitemirate's prior written consent. Bitemirate reserves the right to transfer or assign this Agreement or any right or obligation under this Agreement at any time.

13.15 Translated Agreement. Any translation of this Agreement is provided solely for your convenience and is not intended to modify the terms of this Agreement. In the event of a conflict between the English version of this Agreement and a version in a language other than English, the English version shall apply.

13.16 No Waiver. Our failure or delay to act with respect to a breach by you or others does not waive our right to act with respect to such breach or any subsequent or similar breaches.

13.17 Assumption of Rights. If Bitemirate pays out a Claim, Reversal or Chargeback that you file against a recipient of your payment, you agree that Bitemirate assumes your rights against the recipient and third parties related to the payment, and may pursue those rights directly or on your behalf, in Bitemirate's discretion.

Back to top

14. Definitions.

• "Account Profile" means the location on our website where you can, after logging in, view and manage your profile, including your personal information, Payment Method details, Preapproved Payments authorizations, your selling tools, and your Account settings including your notification preferences and API Access permissions.
• "Account" or "Bitemirate Account" means a Personal or Business Bitemirate Account.
• "Add Money" or "Top Up" means your ability to transfer money from your bank account to your Bitemirate Account.
• "Authorize" or "Authorization" means a buyer’s express authorization to a Merchant to collect a payment from the buyer’s Bitemirate Account.
• "Automatic Transfer Countries" means UAE
• "Automatic Transfer" means a withdrawal of your Account balance that is initiated by Bitemirate. If your Account is registered in one of the Automatic Transfer Countries, then your balance will be regularly withdrawn to your linked financial instrument pursuant to these terms and conditions.
• "Business Account" means an Account used primarily for business purposes and not for personal, family, or household purposes.
• "Business Days" means Monday through Friday, excluding the official national holidays recognized in UAE.
• "Chargeback" means a request that a buyer files directly with his or her debit or credit card company or debit or credit card issuing bank to invalidate a payment.
• "Claim" means a challenge to a payment that a User files directly with Bitemirate in the Online Resolution Center pursuant to Section 7 of this Agreement.
• "Commercial Entity Agreement" means the agreement that commercial entities are required to enter into directly with Bitemirate's payment processor(s).
• "Commercial Payment" means as defined in Exhibit A (Fees) below.
• "Communications" means any Account or transaction information that Bitemirate provides to you, including: any Policies you agree to, including updates to these Policies; annual disclosure; transaction receipts or confirmations; Account history statements; and tax statements we are required to make available to you.
• "Customer Service" is Bitemirate's customer support which can be accessed online through the Bitemirate Help Center at any time.
• "Days" means calendar days.
• "Default Payment Methods" means the order in which Bitemirate uses your Payment Methods to fund a transaction if you do not select a Preferred Payment Method.
• "Digital Goods" means goods that are delivered and used in an electronic format.
• "Dispute" means a dispute filed by a User directly with Bitemirate in the Online Resolution Center pursuant to Section 7 of this Agreement.
• "Error" means a processing error made by Bitemirate or its suppliers in which your Account is mistakenly debited or credited.
• "Fees" means those amounts stated in Exhibit A (Fees) of this Agreement.
• "Information" means any Account information that you provide to us, including but not limited to personal information, financial information, or other information related to you or your business.
• "Instant Transfer" means a payment funded using the sender's bank account in which Bitemirate credits the recipient instantly.
• "Item Not Received" means a challenge to a payment from a User claiming that the item purchased was not received.
• "Merchant" and “Seller” are used interchangeably and mean a User who is selling goods and/or services and using the Bitemirate Services to receive payments.
• "Micropayments for Digital Goods" means the Bitemirate Service offered to certain qualifying Merchants who sell Digital Goods that, among other things, offers micropayments pricing and integrated website tools.
• "No Log-In Payment" means a Bitemirate payment that is made without the sender having to log into his/her Account.
• "Payment Method" means the payment method used to fund a transaction. The following payment methods may be used to fund a transaction (subject to availability): balance, Instant Transfer, eCheck, credit card, debit card, and Redemption Codes.
• "Bitemirate Direct Payment" means a payment that is made directly through the buyer’s credit or debit card and not through a Bitemirate Account, such as payments made through Website Payments Pro.
• "Bitemirate Mobile" means a Bitemirate Service that allows you to send and receive payments through your mobile phone.
• "Bitemirate Seller Protection" means the protection program Bitemirate offers Sellers as described in Section 9.
• "Bitemirate Services" means all our products and services and any other features, technologies and/or functionalities offered by us on our website or through any other means.
• "Bitemirate," "we," "us" or "our" means Bitemirate.
• "Personal Payment" means a payment to a friend or a family member such as your share of the rent or a dinner bill. Personal Payments may not be used for sending gifts. Personal Payments are not available in most countries.
• "Policy" or "Policies" means any Policy or other agreement between you and Bitemirate that you entered into on the Bitemirate website, or in connection with your use of the Bitemirate Services.
• "Preapproved Payment" means a payment in which the recipient is provided advance Authorization to debit the sender’s Account directly on a one-time, regular, or sporadic basis in accordance with the recipient’s agreement with the sender. Preapproved Payments are sometimes called "subscriptions", “automatic payments”, “automatic billing” or "recurring payments."
• "Preferred Payment Method" means a Payment Method that you select to fund a payment instead of using the Default Payment Methods.
• "Redemption Code" means the sequence of letters, numbers, and/or symbols placed on gift certificates, promotional coupons or other promotional offers and used to obtain a benefit.
• "Reserve" means a percentage of the funds received into your Account that we hold in order to protect against the risk of Reversals, Chargebacks, Claims or any other liability related to your Account and/or use of the Bitemirate Services.
• "Restricted Activities" means those activities described in Section 10 of this Agreement.
• "Reversal" means Bitemirate reverses a payment you received because (a) it is invalidated by the sender's bank, (b) it was sent to you in Error by Bitemirate, Affiliates, or any direct or indirect Bitemirate subsidiary, (c) the sender of the payment did not have authorization to send the payment (for example: the sender used a stolen credit card), (d) you received the payment for activities that violated this Agreement, the Bitemirate Acceptable Use Policy, or any other Policy, or (e) Bitemirate decided a Claim against you.
• "Seller" – see "Merchant" definition.
• "Significantly Not as Described" has the definition provided in Section 7.1 of this Agreement.
• "Substantial Change" means a change to the terms of this Agreement that reduces your rights or increases your responsibilities.
• "Top Up" – see “Add Money” definition.
• "Transaction Details Page" means the page on the Bitemirate website titled "Transaction Details" that displays information about the transaction. This page is accessible from the individual transaction in your Account on the Bitemirate website.
• "Unauthorized Transaction" means as defined in Section 8.1 of this Agreement.
• "User" means any person or entity using the Bitemirate Services including you.
• "Verified Account" means an Account status that reflects that Bitemirate has verified that an Account holder has legal control of one or more of his or her Payment Methods. A Verified Account status does not constitute an endorsement of a User or a guarantee of a User's business practices.

Back to top

Exhibit A - Fees.

1. Overview. Bitemirate charges the following Fees:

1. Commercial Payments Fee.
2. Additional Fees:
   • Withdrawing your Balance Fee;
   • eCheck Fee;
   • Chargeback Fee: AED183.00 or $50.00 us dollars
   • Credit Card and Debit Card Confirmation Fee; and
   • Records Request Fee.
3. Fees for other pricing categories:
   • Micropayments Fee;
   • Micropayment for Digital Goods Fee;
   • Mass Payments / Payouts Fee;
   • Personal Payments Fee; and

For additional information about the Fees applicable to you view your country’s Fees page.

2. Commercial Payments Fee.

A Commercial Payment includes the following:

• A payment for the sale of goods or services;
• A payment received after the Seller has used the ”Request Payment” tab on the Bitemirate website; or
• A payment that is sent to, or received by, a business or other commercial or non-profit entity.
• Please Visit Merchant Fee's Page here

 

• *To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria.
• The Fee depends on the buyer’s country.
• Please Visit Merchant Fee's Page here

* Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden.

** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany, Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

*** Europe II: Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo^^, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Serbia, Switzerland, Ukraine.

^ Merchant Rate: To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing.

^^ Buyers in these countries cannot open a Bitemirate Account but can make purchases using their credit cards on certain merchants’ websites.

Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or European Economic Area or in Monaco will be treated as Domestic Personal Payments for the purpose of applying Fees.

3. Hotel merchant rate

The hotel merchant rate is only available to hotel merchants with Bitemirate Accounts registered in UAE.

1. integrate their point of sale with a Bitemirate approved internet booking engine partner at their own cost;
2. hold a valid Business Account in good standing; and
3. obtain approval from Bitemirate.

Bitemirate will determine in its sole discretion whether you are approved for the hotel merchant rate. The hotel merchant rate is limited to processing payments received for goods and services relating to your hotel business only. Notwithstanding any other rights we have under this Agreement, we may in our sole discretion, immediately revoke your approval for the hotel merchant rate.

If you are approved for the hotel merchant rate, you will pay:

 

As a Payment Service Provider, Bitemirate is committed to full compliance with all applicable laws and regulations regarding Anti- Money Laundering (“AML”). Bitemirate’s policy is to prevent people engaged in money laundering, fraud, and other financial crimes, including terrorist financing, from using Bitemirate’s services.
Bitemirate has robust policies and procedures to detect, prevent and report suspicious activity. To comply with OFAC (Office of Foreign Asset Control) requirements, and global sanctions, we screen our customer accounts against government watch lists. In addition, we may request that you provide us with documentation to help prove your identity or for business verification purposes. We report suspicious transactions to the financial intelligence unit in the respective country.

How does this impact me?
As part of our AML procedures, we collect information from you to satisfy our Know Your Customer requirements. This means that we may request information from you due to a specific identification requirement or as a result of our watch list screening process. We may ask you to provide documentation to help confirm your identity or provide additional information regarding your business. We may also request that you seek pre-approval for utilizing the Bitemirate service if your account falls within a high risk compliance category, as listed in our Acceptable Use Policy (AUP).

Back to top

The following items are required to perform a KYC check:

• email
• legal name
• address
• phone number
• date of birth
• government id number
• copy of government issued id and passport bank name and bank account details
• tax number (companies only)

Prohibited Countries ( WE DO NOT PROVIDE ANY SERVICES ON BELOW COUNTRIES )

IF YOUR TRANSACTION CONNECT TO ANY OF THE COUNTRIES BELOW DIRECTLY OR INDIRECTLY YOUR ACCOUNT WILL BE SUSPENDED

• Belarus
• Burma (Myanmar)
• Cote d'Ivoire
• Democratic Republic of the Congo
• Iran
• Iraq
• Liberia (Former Regime of Charles Taylor)
• Persons Undermining the Sovereignty of Lebanon or Its Democratic Processes and Institutions
• North Korea
• Sierra Leone
• Sudan
• Syria
• Western Balkans
• Zimbabwe

Back to top