Welcome to www.scanfraud.com (“the Website”)! This website is owned and operated by SFC GROUP LTD, located at Suite 7086 128 Aldersgate Street, Barbican, London, United Kingdom, EC1A 4AE.
Throughout the Website the terms “we”, “us”, “our” and “Company” refer to SFC GROUP LTD. SFC GROUP LTD offers this Website, including all information, tools and services available on this Website to you, the User, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.
By visiting our website and/ or purchasing something from us, you engage in our service and agree to be bound by the following Terms of Use (“Terms”). These Terms of Use apply to all Users of the Website (“User”, “Customer”, ”you”, ”your”), including without limitation Users who are browsers, vendors, customers, merchants, and/ or contributors of content. Please read these Terms of Use carefully before accessing or using our Website. By accessing or using any part of the Website, you agree to be bound by these Terms of Use. If you do not agree to all these Terms, you may not access the Website or use any services.
Any new features or tools which are added to the current Website shall also be subject to this Terms.
You can review the most current version of the Terms at any time on this page. We reserve the right to update, change or replace any part of these Terms by posting updates and/or changes to our Website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Website following the posting of any changes constitutes acceptance of those changes.
1. GENERAL PROVISIONS
1.1. By agreeing to these Terms, you represent that you are at least the age of majority in your country of residence, or that you are the age of majority in your country of residence and you have given us your consent to allow any of your minor dependents to use this Website.
1.2. You may not use our services for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
1.3. You must not transmit any worms or viruses or any code of a destructive nature. A breach or violation of any of the Terms will result in an immediate termination of your Services.
1.4. The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.
2. THE SERVICE
2.1. The Company provides a platform for fraud protection and intelligent payment management. The Company, namely, provides the following set of services:
Transaction monitoring. A tool for analysing customer transaction patterns, identifying potential fraud, and ensuring regulatory compliance. It acts as a protective shield for your business.
Risk management outsourcing. A choice for businesses to outsource risk management tasks. It allows you to focus on core operations while professional handle fraud prevention and risk mitigation.
Dispute resolution. A service simplifying chargeback handling. It helps resolve disputes effectively and protects your business revenue, reducing the impact of chargebacks.
Payment routing and cascading. A tool that optimizes transaction processes through dynamic, rule-based routing and cascading. It enhances transaction success rates, minimizes costs, and customizes the transaction journey.
3. PRIVACY POLICY
3.1. For a better experience while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to your name, phone number, postal address, etc. The information that we collect will be used to contact or identify you. Your privacy is important to us. We have developed a Privacy Policy in order to inform you of how we collect and use information we obtain from you. All information we collect on the Website is subject to our Privacy Policy, and our Privacy Policy is incorporated into and is a part of these Terms of Use.
4. INTELLECTUAL PROPERTY RIGHTS AND LIMITED LICENSE
4.1. The Website and its entire contents, features and functionality, including, but not limited to all information, text, displays, photographs, graphics, video and audio, and the design, selection and arrangement thereof, are owned by, licensed by, or provided by SFC GROUP LTD.
4.2. The Website is protected by copyright, trademark, trade secret, and other intellectual property or proprietary rights laws.
4.3. Unless otherwise indicated on the Services or otherwise by the Company, the Services and all content and other materials therein, including, without limitation, the Company’s logo and all designs, text, graphics, pictures, information, data, software, sound files, copyright, patent, service mark, trademark, trade name, product name other files and the selection and arrangement thereof (collectively, "Content") are the property of the Company or our licensors are protected by international copyright laws.
4.4. We hereby grant the Customer a limited, non-exclusive, non-transferable, royalty-free license to use the Website, platform, dashboard, documentation made available us solely for the purpose of using the Services in accordance with the Terms and the applicable usage instruction.
4.5. Notwithstanding anything to the contrary in these Terms, the Services and Content may contain software components that are subject to separate license terms, in which case those license terms will apply to the access and use of such software components.
4.6. These Terms permit you to use the Website for your own personal, non-commercial use only. Except as otherwise provided in these Terms, you may not reproduce, modify, publish, prepare derivative works, or distribute copies of the Website contents in whole or in part.
4.7. You acknowledge and agree that if you use any Content in violation of our Terms, any other party’s rights, or any laws or regulations, including laws relating to the protection of intellectual property, you may be subject to civil liability, criminal prosecution or both under the laws and regulations of the United Kingdom.
5. ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION
5.1. The material on this Website is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information.
5.2. This Website may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this Website at any time.
6. MODIFICATIONS TO THE WEBSITE AND THE SERVICE
6.1. We reserve the right, at any time, to add to, delete or modify our Terms, as well as all or any part of our Website in our sole discretion. We will notify you of changes to our Terms of Service by posting the new version of the Terms on this Website, or by sending you a notice via e-mail.
6.2. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes.
6.3. The date at the top of the Website indicates when these Terms were last updated. You agree to review these Terms and other online policies posted on our Website periodically to be aware of any revisions.
6.4. We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
7. HYPERLINKS TO THIRD-PARTY WEBSITE
7.1. You are granted a limited, non-exclusive right to create a text hyperlink to the Services for non-commercial purposes, provided that such link does not portray us or any of our products or services in a false, misleading, derogatory or otherwise defamatory manner and provided further that the linking website does not contain any adult or illegal material or any material that is offensive, harassing or otherwise objectionable.
7.2. This limited right may be revoked at any time. You may not use our logo or other proprietary graphics to link to the Services without our express written permission. Further, you may not use, frame, or utilize framing techniques to enclose any our trademark, logo, or other proprietary information, including the images found at the Services, the content of any text, or the layout/design of any page or form contained on a page on the Services without our express written consent. Except as noted above, you have not conveyed any right or license by implication, estoppel, or otherwise in or under any patent, trademark, copyright, or proprietary right of the Company or any third party.
7.3. We make no claim or representation regarding, and accept no responsibility for, the quality, content, nature or reliability of third-party websites accessible by hyperlink from the Services, or websites linking to the Services. Such websites are not under our control, and we are not responsible for the contents of any linked website, any link contained in a linked website, or any review, changes, or updates to such websites. We provide these links to you only as a convenience, and the inclusion of any link does not imply affiliation, endorsement or adoption by us of any website or any information contained therein. When you leave the Services, you should know that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website you navigate from the Services.
8. USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS
8.1 If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “Comments”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us.
8.2. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
8.3. We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms.
8.4. You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related Website.
8.5. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties asto the origin of any comments. You are solely responsible for any comments you make and their accuracy.
8.6. We take no responsibility and assume no liability for any comments posted by you or any third-party.
9. ADVERTISEMENTS AND PROMOTIONS
9.1. We may display advertisements and promotions from third parties on the Services or may otherwise provide information about or links to third-party products or services on the Services. Your business dealings or correspondence with, or participation in promotions of, such third parties, and any terms, conditions, warranties, or representations associated with such dealings or promotions, are solely between you and such third party.
9.2. We are not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or promotions or as the result of the presence of third-party information on the Services.
10. ERRORS, INACCURACIES AND OMISSIONS
10.1. Occasionally there may be information on our Website or in the Service that contains typographical errors, inaccuracies or omissions that may relate to pricing, promotions, offers and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel deal if any information in the Service or on any related Website is inaccurate at any time without prior notice.
10.2. We undertake no obligation to update, amend or clarify information in the Service or on any related Website, including without limitation, pricing information, except as required by law. 10.3. No specified update or refresh date applied in the Service or on any related Website, should be taken to indicate that all information in the Service or on any related Website has been modified or updated.
11. PAYMENT AND REFUND
11.1. Payment Policy. The fee provided for shall be calculated per every calendar month starting from 00:00 GMT on the last day of the month preceding the reporting one until 00:00 GMT on the last day of the reporting month. The fee shall be paid on the basis of an issued invoice. The invoice shall be paid within Thirty (30) calendar days after the date it is issued by electronic transfer of funds in EUR. The account currency may be changed by additional agreement.
11.2. Methods of Payment. Methods of payment are as follows: Credit card (MasterCard, Visa), Bank transfers.
11.3. Cancellation Policy. You cannot cancel an order for delivery of digital product that is not delivered on a physical medium if order processing has begun with your explicit prior consent and acknowledgement that you will thereby lose your right of cancellation.
11.4. Refund Policy. Generally, all charges for purchases are non-refundable, and there are no refunds or credits for partially used periods. We may make an exception if a refund for a subscription offering is requested within fourteen days of the transaction date, or if the laws applicable in your jurisdiction provide for refunds.
12. PROHIBITED USE
12.1. In addition to other prohibitions as set forth in the Terms, you are prohibited from using the Website or its content:
(a) for any unlawful purpose;
(b) to solicit others to perform or participate in any unlawful acts;
(c) to violate any international and/or governmental regulations, rules, laws, or local ordinances;
(d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
(e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;
(f) to submit false or misleading information;
(g) to upload or transmit viruses or any other type of malicious code that will or may be used
in any way that will affect the functionality or operation of the Service or of any related Website, other sites, or the Internet;
(h) to collect or track the personal information of others;
(i) to spam, phish, pharm, pretext, spider, crawl, or scrape;
(j) for any obscene or immoral purpose; or
(k) to interfere with or circumvent the security features of the Service or any related Website, other sites, or the Internet.
12.2. We reserve the right to terminate your use of the Service or any related Website for violating any of the prohibited uses.
13. DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
13.1. OUR WEBSITE IS MADE AVAILABLE “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF TITLE, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THERE IS NO GUARANTY OR ASSURANCE THAT ALL OR ANY PART OF OUR WEBSITE WILL BE AVAILABLE FOR USE, PERFORM AS DESCRIBED OR THAT OUR WEBSITE IS ACCURATE, TIMELY, COMPLETE OR ERROR FREE AND YOU SHOULD NOT RELY ON OUR WEBSITE FOR ANY DECISIONS OR ACTIONS YOU MAY OR MAY NOT CHOOSE TO MAKE OR TAKE. WE ARE NEITHER RESPONSIBLE NOR LIABLE FOR ANY DAMAGE TO YOU OR YOUR PROPERTY, EVEN IF DUE TO MALICIOUS OR UNAUTHORIZED CODE. YOU ARE SOLELY RESPONSIBLE FOR ENSURING YOU HAVE APPROPRIATE MECHANISMS TO PROTECT AND SECURE YOUR EQUIPMENT, PROGRAMS AND INFORMATION BECAUSE YOU, NOT US, ARE ASSUMING ALL RISK OF LOSS OR DAMAGE THAT MAY ARISE OR BE ASSOCIATED WITH USE OF OUR WEBSITE.
13.2. OUR LIABILITY TO YOU IS LIMITED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL LIABILITY FOR LOSS, DAMAGE, COST AND/OR EXPENSE OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR LOST DATA, REGARDLESS OF THE FORM OF ACTION OR BASIS OF THE CLAIM AND WHETHER OR NOT A PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES) IN CONNECTION WITH OR ARISING FROM USE OF OUR WEBSITE OR ANY OTHER MATERIALS OR SERVICES WE PROVIDE TO YOU.
13.3. SOME JURISDICTIONS DO NOT ALLOW EXCLUSIONS OF CERTAIN WARRANTIES OR LIMITATIONS ON CERTAIN DAMAGES, SO SOME OF THESE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU. HOWEVER, IF ANY LIMITATION OR EXCLUSION OF DAMAGES OR LIABILITY IS PROHIBITED OR RESTRICTED BY LAW, WE SHALL BE ENTITLED TO THE MAXIMUM LIMITATIONS AND EXCLUSIONS PERMITTED.
14. INDEMNIFICATION
14.1. You agree to indemnify, defend and hold harmless the Company and our parent, subsidiaries, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
15. SEVERABILITY
15.1. In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
16. TERMINATION
16.1. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
16.2. These Terms are effective unless and until terminated by either you or us.
16.3. You may terminate these Terms at any time by notifying us that you no longer wish to use our Services, or when you cease using our Website.
16.4. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).
17. ENTIRE AGREEMENT
17.1. The failure of us to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
17.2. These Terms and any policies or operating rules posted by us on this Website or in respect to the Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Use).
17.3. Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.
18. GOVERNING LAW
18.1. These Terms and all disputes and claims arising out of or in connection with them are governed by the laws of the United Kingdom.
18.2. With the sole exception of any application for injunctive relief, the parties irrevocably agree that the courts of the United Kingdom have exclusive jurisdiction to settle any dispute or claim (whether contractual or non-contractual) arising out of or in connection with these Terms or the Services (including their subject matter or formation).
19. CONTACT INFORMATION
19.1. Questions, requests, recommendations or queries about the Terms or the Services should be sent to us at [email protected].
