Santapay’s term and condition

This agreement serves as a legally binding contract between you, as the user, and Santapay Corporation Co., Ltd. By using the Santapay BNPL service, you agree to be bound by the terms and conditions outlined in this agreement. Santapay reserves the right to modify or update these terms and conditions at any time without prior notice to you. Your continued use of the Santapay service constitutes your acceptance of any changes made to the terms and conditions.

The Santapay BNPL service encompasses the use of Santapay mobile application, web application, and other devices as deemed necessary by Santapay to provide the service to its users.

Santapay's BNPL service allows eligible customers to make purchases and pay for them over time (interest free). To be eligible for the service, customers must be at least 18 years old, have a valid bank account and credit or debit card, and pass the credit check performed by Santapay.

By using the Santapay BNPL service, customers agree to make minimum payments on their outstanding balance each month and to pay any applicable late fees or interest charges if they fail to make their payments on time or in full. Santapay reserves the right to refer delinquent accounts to a debt collection agency in case the customers fail to pay the debt.

By using Santapay's Buy Now Pay Later (BNPL) service, you agree to comply with the following eligibility requirements:

1. You must be an individual who is at least 18 years old and capable of entering into a legally binding contract.
2. You must have a valid and verifiable email address and Thai mobile telephone number.
3. You must provide a valid delivery address in Thailand.
4. You must have access to a Payment Method, for example by being the holder of a debit or credit card.
5. In connection with your use of Santapay BNPL service, you must use your real name and true and correct personal details and not use an alias or false identity (even with the consent of the person whose identity you are using) or provide false, inaccurate, or misleading personal details or seek to establish a fake, untraceable, or unverifiable Santapay account.

By agreeing to these terms and conditions, you represent and warrant that you are eligible to use Santapay's BNPL service. Santapay reserves the right to verify your eligibility at any time and to deny access to the service if you fail to meet the eligibility requirements.

1. Your Santapay Account will be created when you make your first purchase using Santapay's BNPL service through any of our approved merchants. You can also create your Santapay Account by registering through our website or mobile application.
2. Upon creating your Santapay Account, you will be asked to create a secure password. You will be able to access your Santapay Account using your secure password through our website and mobile application.
3. You are responsible for maintaining the confidentiality and security of your Santapay Account details. Santapay shall not be liable for any unauthorized access or use of your Santapay Account unless we have failed to take reasonable steps to prevent such unauthorized access or use.
4. In the event that you suspect that a transaction made using your Santapay Account was not authorized by you, you should immediately contact Santapay and we will investigate this as an unauthorized transaction. If we do not receive such notification from you, you acknowledge and agree that we will consider any transaction on your Santapay Account as a valid transaction for the purposes of this Agreement.

By using Santapay's BNPL service, you agree to the following obligations:

1. Pay all applicable fees associated with the use of Santapay's BNPL service and your Santapay Account.
2. Provide accurate and truthful information to Santapay and not use an alias, false identity, or other misleading information when registering for your Santapay Account.
3. Keep your contact information up-to-date and accurate through your Santapay Account on our website or mobile application.
4. Provide any requested documentation related to your identity to Santapay in a timely manner.
5. Not use Santapay's BNPL service or approved merchants' services for any unlawful, fraudulent, or improper activity.
6. Cooperate with Santapay in the investigation of any suspected unlawful, fraudulent, or improper activity on your Santapay Account.
7. Pay any taxes that may apply to purchasing goods or services, where applicable.
8. Not share your Santapay Account information or password with anyone else.
9. Not use any technology to damage, intercept, or interfere with Santapay's BNPL service or our website or mobile application.
10. Notify Santapay immediately if you suspect unauthorized access, transaction, or other type of fraudulent activity or security breach on your Santapay Account.
11. Not create any liability for Santapay or cause us to lose (in whole or in part) the services of our approved merchants.
12. Authorize Santapay to disclose Card-related profile and purchase behavior information to third parties (including, without limitation, Visa and Mastercard) for the purpose of eliminating fraud and illicit behavior.
13. Not open or use more than one Santapay Account.

As a user of Santapay's BNPL service, you acknowledge and agree that Santapay is not responsible for any damage or loss that you may incur as a result of purchasing products or services from a merchant using the BNPL service. You agree to hold Santapay harmless from any claims, damages, or other liability arising from your use of the BNPL service to make a purchase from a merchant.

Any disputes or issues related to a purchase made using the BNPL service must be resolved directly with the merchant. Santapay is not responsible for resolving disputes or issuing refunds on behalf of merchants.

Santapay does not guarantee the accuracy, completeness, or timeliness of information provided by merchants, including information about their products or services, pricing, availability, or delivery. You agree to conduct your own due diligence and to verify any information provided by the merchant before making a purchase using the BNPL service.

Merchants may have their own policies and terms of use that apply to purchases made using the BNPL service. You acknowledge and agree to abide by these policies and terms of use when making a purchase from a merchant using the BNPL service.

1. When you place an order with BNPL, we will review and approve it at our discretion. We may choose not to approve or cancel an order for reasons such as protecting the integrity of our systems or products, preventing fraud, limiting the risk of money laundering or terrorism financing, or addressing legal, regulatory, or non-payment risk. If we cancel an order, we will provide a full refund of any amounts paid by you, and the merchant will not be obliged to deliver the goods or services unless required by law.
2. If your order is cancelled due to a chargeback incurred by BNPL, the payment will not be refunded by BNPL, and any return of funds will be between you and your issuing bank. You will not have any further obligation to make payments to us, and we will not have any ongoing relationship with you regarding that order.
3. Once we approve your order, we will send you an email confirming its receipt and providing a payment schedule.
4. You agree to make payments in accordance with the payment schedule. If you wish to make early payments, you may do so through your BNPL account. Otherwise, we will automatically process payments on the due dates specified in the payment schedule using the payment method details you provided. If an automatic payment fails, we reserve the right to re-attempt to process the payment at a later time or date.
5. You authorize us to use any payment method details you provide to process payments for your orders, and you agree to ensure that there are sufficient funds available to cover the payments. If you fail to make payments in accordance with the payment schedule or otherwise breach these terms, we may suspend or terminate your account, cancel your orders, and pursue any legal remedies available to us
6. You acknowledge and agree that your use of BNPL services may be subject to fees and charges, and you agree to pay such fees and charges as set out in these terms or as otherwise notified to you.

If you make an error when specifying the purchase price of an order, you may request a refund from the Merchant. We may give you a full refund and allow you to place a new order.

If you request a refund or cancellation of Merchant Services purchased through a payment plan, the refund will be processed according to the Merchant's refund procedures and our review. You will still be liable for full payment of Merchant Services and all scheduled payments will be processed.

The amount we agree to refund you will be deducted from future scheduled payments until all payment obligations are fulfilled. If the refunded amount is greater than the total amount due for subsequent payments, we will refund the excess amount through the original payment method.

Refunds may take time to process depending on the payment method used, and we are not liable for any delays.

1. The Website, its design, layout, and all content on the Website are exclusively owned by BNPL, its affiliates, or other third parties such as our partners. The information provided on the Website is solely for informational purposes and may change without notice.
2. You must not copy, imitate, modify, alter, amend, or use any URLs representing the Website or any of our content, logos, graphics, icons or other content published on the Website or in our printed media without prior written consent from BNPL.

The retention of personal information is subject to the privacy policy posted on the Santapay website or application.

The indemnified party shall not be held liable to you or any third party for indirect damages, ordinary damages that occur, damages paid to compensate for damages that occur afterwards, special damages, or exemplary damages arising out of or in connection with the use of the BNPL platform or any liability of BNPL or yours to third parties, to the extent permitted by law, regardless of the cause (whether in contract, tort, legal fairness, etc.).

You agree that the indemnified party's total liability to you for any claim arising out of or in connection with this agreement, the use of the BNPL platform, BNPL services, or BNPL's liability to third parties arising from anything shall not exceed the lower amount of (a) the amount of the order giving rise to such damages, or (b) the amount of two thousand baht (2,000 baht). The foregoing will not fulfill the primary purpose of that remedy.

Failure to comply with these Terms & Conditions in using Santapay shall not constitute a waiver of ownership or obligation of these Terms & Conditions. Santapay's waiver of enforcement of any provision of this Agreement in one instance does not mean a waiver of such provision in any other instance. and if any clause in this agreement is invalid Such invalidity does not affect other clauses. in this Agreement

This agreement (including other terms and conditions (that appear herein and on all Santapay platforms or communications) constitutes the entire agreement, all parties on which this Agreement shall take place. If there is a prior version of this Agreement that you have accepted, Santapay reserves the right to amend this Agreement at any time.

If you have any further questions or concerns about using Santapay, you can contact at support@santapay.com