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Terms and User Agreement


Payment policy 
Return policy 
Disclaimer policy 




By purchasing virtual calling card, cell refill or Global SIM services, you indicate that you understand and agree to our Terms and Conditions as follows:

This Agreement describes the terms and conditions applicable to your use of all services ("Services") at web site ("Web Site").
You acknowledge that you have read, understood, and agree to be bound by all terms and conditions of this Agreement, as well as any additional rules or policies that are or may be published by from time to time in legal agreements section.
This Agreement in addition to any other rules and policies, make up the complete and exclusive agreement between you and regarding your use of the Services, and supersede and govern all prior proposals, agreements, or other communications. We may amend this Agreement at any time by posting the amended terms on the Site. Unless otherwise stated, all amendments will be effective immediately upon posting on the Site. This Agreement may not be otherwise amended except in a writing signed by both parties.
Your use of the Web Site and Services shall constitute your acceptance of any amendments to this Agreement as well as additional rules or policies that are or may be published by , each with the new modifications. If you do not agree to any of such changes, you may request that your membership be cancelled.
On occasions, will send you information about our promotions or news updates. Users have these opportunity to opt-out from receiving these notifications.
You acknowledge and agree that such cancellation will be your exclusive remedy and our sole liability if you do not wish to abide by any changes to this Agreement or any additional rules or policies that are or may be published by .

Membership Eligibility.


Our Services are only available to individuals who can form legally binding contracts under applicable law. Our Services are not available to minors under the age of 18 under any circumstances. If you do not wish to use our Services, please do not use the Web Site. may refuse Services to anyone at anytime, at our sole discretion. To be an eligible member of you as the user must provide to with your legal first and last name, billing address, city, state, country, postal code, and e-mail address. Should you knowingly falsify any of the required information, your account shall be terminated immediately with or without prior notice. Certain first-time customers will be subject to verification before the PINs (phone cards) is issued.

User Conduct.


You understand that all information, data, text, messages or other materials, whether publicly posted or privately transmitted, are the sole responsibility of the person from which such content originated. This means that you, and not , are entirely responsible for all content that you upload, post, email, transmit or otherwise make available via the Services. does not control the content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Services, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service.
You agree to not use the Services to:
" upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
" impersonate any person or entity, including, but not limited to, an official, or falsely state or otherwise misrepresent your affiliation with a person or entity;
" intentionally or unintentionally violate any applicable local, state, national or international law, or any regulations having the force of law;
" "stalk" or otherwise harass another User; or
" collect or store personal data about other users.

Indemnification.


You agree to release, indemnify, defend and hold harmless , its subsidiaries, affiliates, officers, directors, employees, agents and advisors, from and against any and all losses, liabilities, claims (including claims without legal merit or brought in bad faith), demands, damages, costs or expenses, causes of action, suits, proceedings, judgments, awards, executions and liens, including reasonable attorneys' fees and costs (whether brought by third parties or otherwise) (collectively, "Claims") due to or arising out of your use of or conduct on this Web Site or the service. reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you hereunder, and in such event, you shall have no further obligation to provide indemnification for such matter.

Remedies for Misuse of Your Account.


Without limiting any other remedies, may terminate or suspend your account and status as a Member if you misuse your account or any services.

Accuracy of Information Submitted to


You are solemnly responsible for the truth and accuracy of all information you provide publicly or privately to us or other Users during the registration, or in any public message area, including but not limited to chat, discussion forms, and your e-mail. Your Information: (a) shall not be fraudulent; (b) shall not infringe any third party's copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy; (c) shall not violate any law, statute, ordinance or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising; (d) shall not be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (e) shall not be obscene or contain child pornography or, if otherwise harmful to minors; (f) shall not contain any viruses, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information; and (g) shall not link directly or indirectly to any other site; (h) shall not contain any item that, by paying to us the listing fee or the final value fee, could cause us to violate any applicable law, statute, ordinance or regulation. will only use your information in accordance with our Privacy Policy.

Ownership of Data.


You acknowledge and agree that Comfi.com owns all database information, collective and similar rights, title and interests worldwide and other proprietary information databases, and all information related to your account and your purchases.

Intellectual Property.


No User shall receive any right, license or permission to use, manipulate, reproduce any of the Comfi.com trademarks, copyrights content, or other intellectual property rights without the prior written permission of Comfi.com.

Breach and Failure to Perform.


Web Site reserves the right to suspend, delete, terminate any current and future accounts by a user who violates any of the above terms and regulations of use of the Web Site. We reserve the right to perpetually suspend or terminate your use of our Web Site or your status as a member, if you breach this Agreement, or if we are unable to verify or authenticate any information you provide to us.

Representations and Warranties.


You represent that all information provided by you in connection with your use of the Services is accurate and current. THE SERVICES ARE PROVIDED TO YOU "AS IS." WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, IN CONNECTION WITH THIS AGREEMENT OR THE SERVICES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, UNLESS SUCH REPRESENTATIONS AND WARRANTIES ARE NOT LEGALLY EXCLUDABLE. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary from jurisdiction to jurisdiction. No Warranties. THE SERVICE AND THIS SITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT IS PROVIDED "AS IS" AND "AS AVAILABLE" WITH NO TECHNICAL SUPPORT OR REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SYSTEM INTEGRATION, TITLE AND NON-INFRINGEMENT. IN PARTICULAR, BUT WITHOUT LIMITATION, DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS SITE, IN TERMS OF ITS CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE. YOU UNDERSTAND AND AGREE THAT YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THIS SITE AND THE SERVICE, INCLUDING, BUT NOT LIMITED, USE THAT RESULTS IN DAMAGE TO YOUR COMPUTER OR LOSS OF DATA.

Release.


In the event that you have a dispute with a Buyer, Seller, or any other User, you hereby acknowledge and agree to release and its agents and employees from any claims, demands and damages (both actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.

Limitation of Liability.


YOU ACKNOWLEDGE AND AGREE THAT WILL NOT BE LIABLE, UNDER ANY CIRCUMSTANCES, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING LOST PROFITS) REGARDLESS OF THE FORM OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, EVEN IF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL 's MAXIMUM AGGREGATE LIABILITY EXCEED THE TOTAL AMOUNT PAID BY YOU FOR THE SERVICES. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

General Compliance with Laws.


You shall comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Services, including, but not limited to, your bidding on, listing, purchasing, of selling of a Registration.

General.


Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. On occasions, will send you information about our promotions or news updates. Users have these opportunity to opt-out from receiving these notifications. The failure of to require your performance of any provision hereof shall not affect the full right to require such performance at any time thereafter; nor shall the waiver by of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of this Agreement shall be unenforceable or invalid under any applicable law or be so held by applicable court decision, such unenforceability or invalidity shall not render this Agreement unenforceable or invalid as a whole. will amend or replace such provision with one that is valid and enforceable and which achieves, to the extent possible, the original objectives and intent of register.com as reflected in the original provision. You acknowledge and agree that, to the extent necessary, it is your responsibility to: (a) provide all equipment, including a computer and modem, necessary for you to establish a connection to the Internet; and (b) provide for your own connection to the Internet and pay any telephone service fees associated with such connection. This Agreement sets forth the entire understanding and agreement between us with respect to the subject matter hereof.


Disclaimer


shall not be held responsible for any loss incurred by customers as the use of products that it carries. The quality of the prepaid cards that carries are sole responsibility of their manufacturer. shall not entertain any complaints regarding the quality or misinformation of products that it carries. However, shall assist customers in getting Customer Service number for appropriate manufacturer. The images of the products belongs to their manufacturers and only uses them as sample images. The calling rates are based on the posters that received from our manufacturers. These rates are subject to change without notice. always tries to keep the latest rates as much as possible. However, if there is any case of discrepancy in rates, shall not be held responsible. The information and services included in or available through the Service may include inaccuracies or typographical errors. Changes are periodically added to the information herein. You specifically agree that shall not be responsible for unauthorized access of your user account

PIN numbers for the purchased calling cards will be shown as soon as the credit card transaction is successful. A copy of the receipt is emailed to the address provided within a few seconds. In case of any unforeseen technical errors during transaction, please inform us. It is the responsibility of the customer to provide us with correct email address. shall not be held responsible for any mistaken delivery produced by customer's false information. also shall not be held responsible for unauthorized use of PIN number; stolen or otherwise.

All questions and problems should be resolved through the Customer Service. Rates and fees are subject to change in accordance with legal requirements without notice. Federal, state, and local taxes may apply. Services provided are subject to terms and conditions of federal and state tariffs. Application of surcharges and fees has the effect of reducing total minutes on the card. The card has no cash value and is non-refundable. Be sure to safeguard your card at all times.




Payment Acceptance & Online Security


We work hard to maintain a safe and secure shopping environment for our customers and take several measures to ensure the integrity of each transaction online. Learn more about our payment acceptance policies and how your credit card information is protected below.

PLEASE NOTE that purchases will show PHONE-CARD-PIN.COM as the merchant purchased from on your credit card statement.

All charges are billed in US dollars (USD). Additional charges and fees may be applied by your credit/debit card provider for international transactions and the exchange of currency.

FORMS OF PAYMENT



Credit/Debit Card: We currently accept payment from credit or debit cards carrying the VISA, MASTERCARD, AMERICAN EXPRESS or DISCOVER card logo. Debit cards will be processed as credit and you will never be asked to reveal your card's personal PIN code.

As an online merchant (seller), we adhere to the established policies and procedures of each credit card company and may require proof that you (the buyer) are the "in fact cardholder" by means of reasonable identification such as apartment number or business/additional telephone number as listed with your credit card companies database.

Please contact Visa at 1-800-228-1122, MasterCard at 1-800-826-2181 or American Express at 1-800-528-4800 if you are concerned about the verification policies of our website to ensure they are in line with company specific organizational policies.

Paypal: We currently accept payment from verified PayPal accounts online. To ensure web security, we ask that you use the same e-mail address for your account as is listed for your PayPal account.

Forms of payment not currently accepted: We are unable to accept personal checks as a form of payment except for wholesale transactions.

SECURITY FEATURES



Merchant Processing - Our merchant processing system, Authorize.net is secure and requires that we verify with the issuing bank the "registered billing address" of any credit card used for purchasing on our website.

SSL Security - We use SSL (Secure Socket Layer) encryption to protect sensitive credit card holder details. Once entered into the payment screen, your credit card number is encrypted by the SSL system and can no longer be viewed online. Our Customer Service Representatives and other staff members cannot see the first twelve digits of a credit card number and have access to only the last four digits as a security precaution.

McAfee Secure - is tested daily by web safety leader McAfee and must pass a rigorous security scan to remain operational.

Verification - Our advanced web order processing system requires personal, over the phone verification to ensure credit card holder protection. Accounts are selected for verification both at random and based on a highly complex security algorithm.

Fraud Detection - Our specialized fraud prevention team works 24/7 to prevent fraudulent transactions from occurring on our site - we cooperate with all law enforcement agencies and the FBI to help prosecute fraud to the fullest extent of the law.

Verified by Visa/SecureCode by MasterCard - We authorize the use of Verified by Visa and SecureCode by MasterCard when applicable and adhere to the security requirements of each credit card company we work with.

Learn more about Verified by Visa

Learn more about MasterCard SecureCode




Return Policy


If at any time you are not happy with a phone card purchased online at , we will work hard to remedy the situation.

If you are experiencing technical difficulties with your international calling card - we will gladly contact the provider of your card on your behalf to resolve the issue.

FOR REFILLABLE CALLING CARDS:



You will always have the option to transfer a remaining balance from your calling card to a different type of calling card from a different calling card provider.

If you purchased a refillable calling card and your PIN number expires - please contact us within 30 days of expiration to restore the balance of your card. We are unable to reactivate cards with PIN numbers that have been expired for more than thirty days, or were given out free of charge.

If you find that you are not satisfied with your calling card - we will gladly issue a full refund within 30 days of any refillable card purchase if the card's PIN is unused. Partial refunds may be made on a case-by-case basis within 30 days of purchase.

FOR COMFI CALL INTERNATIONAL MOBILE APPLICATION:



If you find that you are not satisfied with your Mobile Application purchase - we will gladly issue a full refund within 30 days if the purchase amount has not been used. Partial refunds may be made on a case-by-case basis within 30 days of purchase.

Balance expires if no refill is made within 1 year - please contact us within 30 days of expiration to restore the balance of your Mobile Application. We are unable to restore balance of Mobile Applications that have been expired for more than thirty days, or were given out free of charge.

ADDITIONAL INFORMATION



Once you make a purchase you are bound to this refund policy regardless of whether your purchase is flagged for verification or not. A purchase which is flagged for verification by our system may be accepted without further verification, at any time, after it is reviewed by a member of our customer service department, if it meets our security requirements. A purchase which is flagged for verification by our system may also be refunded, at any time, after it is reviewed by a member of our customer service department, if it does not meets our security requirements.

Please contact our Customer Service if you have any questions regarding this return policy or if you are unsatisfied with your phone card and would like to be helped in resolving any issues.




Privacy Policy


is strongly committed to protecting the privacy of users of its interactive products and services. Throughout cyberspace, we want to contribute to providing a safe and secure environment for users.
The purpose of this privacy policy is to inform you, as a welcome visitor to , what kinds of information we may gather about you when you visit , how we may use that information, whether we disclose it to anyone, and the choices you have regarding our use of, and your ability to correct, the information. This privacy policy applies to the site.

Information About All Users



In general, our site automatically gathers certain usage information like the numbers and frequency of visitors to and its areas, very much like television ratings that tell the networks how many people tuned in to a program. We only use such data in the aggregate. This aggregate data helps us determine how much our customers use parts of the site, so we can improve our site to assure that it is as appealing as we can make it for as many of you as possible. For example, uses a technology nicknamed "cookies" that tells us how and when pages in our site are visited, and by how many people. These cookies do not collect personally identifiable information and we do not combine information collected through these cookies with other personally identifiable information to tell us who you are or even what your screen name or e-mail address is. We also may provide statistical "ratings" information, never information about you personally, to our partners about how our members, collectively, use . We do this so they too can understand how much people use their areas and our site in order for them to provide you with the best possible Web experience as well. Finally, , its advertisers and ad servers may also use cookies, as well as small pieces of code called "web beacons" or "clear gifs," to determine on an anonymous basis which advertisements and promotions users have seen and how users responded to them, but do not use these technologies to collect personally identifiable information unless you give us permission to do so.

Information About You



If you are an member, when you access you may obtain access to features of the online service that contain personal information. Additionally, we may specifically ask for information about you when you sign up to use a service, like phone services, or when you order a product. We will need certain information -- such as name, Internet address or screen name, billing address, credit card number -- in order to provide that service or product to you. We may also use that information to let you know of additional products and services about which you might be interested. You can choose not to receive such information if you don't want to by letting us know on the registration screen when you sign up for the product or service. We may ask you for information about your interests so that both you and we can take advantage of the interactivity of the online medium, but you may always choose to respond or not. We also use cookie technology in order to improve your experience, including to remember your preferences or customized settings when you use and its related services, and to authenticate your access to your personal information.

Disclosure



We do not use or disclose information about your individual visits to or information that you may give us on , such as your name, address, email address or telephone number, to any outside companies. may share such information in response to legal process, such as a court order or subpoena, or in special cases such as a physical threat to you or others. And, as we mention above, we may share with our Web site partners aggregated statistical "ratings" information about the use of .

Children on



takes special care to protect the safety and privacy of young people using our services, and encourages you to participate in your child's experience in cyberspace. is a general audience site, and we do not knowingly collect information about children. For parents who are members, recommends that parents review important safety tips before your child explores the Internet, and use Parental Controls.

Privacy Policy Changes



If we decide to change our privacy policy for , we will post those changes here so that you will always know what information we gather, how we might use that information and whether we will disclose it to anyone.

Questions regarding the above statement should be directed to ComFi Inc. for clarification.


Contact:

ComFi Inc.,
PO Box 81362
Wellesley, MA 02481
Last updated: September 5, 2006


Mobile App Privacy Policy


Comfi.com is strongly committed to protecting the privacy of users of its interactive products and services. Throughout cyberspace, we want to contribute to providing a safe and secure environment for users.

The purpose of this Comfi App privacy policy is to inform you what kind of information we may gather about you when you use Comfi App, how we may use that information, whether we disclose it to anyone, and the choices you have regarding our use of, and your ability to correct, the information. This privacy policy applies to the Comfi Dial application.

Personal Information


When downloading Comfi App you are requested to register with us, and creating your Comfi account. By registering you give your consent for us to collect, use and store the following information:
• Phone Number
• Address Book

We use and store your Phone Number as follows:
• To verify your identity
• To notify other Comfi App users who have your phone number in their address book that you are also a Comfi App user
• To manage your Comfi account
• When we believe it is appropriate to investigate, prevent illegal activities

We use and store your Address Book as follows:
• Correctly formatting the phone numbers for international calling
• Correctly display the name of each contact as it appears in your address book when a call is received through the app
• Notify you when your contacts become a Comfi app user
• Indicate which of your contacts is already a Comfi user

Information About All Comfi Users


In general, we gather certain usage information like the numbers and frequency of usage of Comfi. We only use such data in the aggregate. This aggregate data helps us determine how we can improve our APP to assure that it is as appealing as we can make it for as many of you as possible. We also may provide statistical "ratings" information, never information about you personally, to our Comfi partners, about how our members, collectively, use Comfi APP. We do this so they too can understand how much people use their areas and our APP in order for them to provide you with the best possible experience as well.

Information About You


If you are a Comfi user, when you access Comfi APP, you may obtain access to features of the Comfi service that contain personal information. Additionally, we may specifically ask for information about you when you sign up to use a service, like Comfi telecom services, or when you order a product. We will need certain information -- such as name, billing address, phone number, credit card number -- in order to provide that service or product to you. We may also use that information to let you know of additional products and services which you might be interested in. You can choose not to receive such information if you don't want to by letting us know on the registration screen when you sign up for the product or service. We may ask you for information about your interests so that both you and we can take advantage of the interactivity of the online medium, but you may always choose to respond or not. We also collect a Device Identifier (UDID for iPhone, IMEI for Android on GSM network, MEID/ESN for Android on CDMA). We use this information to uniquely identify the actual phone hardware device for security purposes (fraud prevention). We do not upload users address/contact books to our servers.

Disclosure


We do not use or disclose information about your usage of Comfi APP or information that you may give us, such as your name, address, email address or telephone number, to any outside companies. Comfi may share such information in response to legal process, such as a court order or subpoena, or in special cases such as a physical threat to you or others. And, as we mention above, we may share with our Web site partners the aggregated statistical "ratings" information about the use of Comfi.

Legal Age on Comfi


Only users of legal age are authorized to use Comfi.

Comfi Privacy Policy Changes


If we decide to change our privacy policy for Comfi, we will post those changes here so that you will always know what information we gather, how we might use that information, and whether we will disclose it to anyone.

Questions regarding the above statement should be directed to ComFi Inc. for clarification.

Contact:
ComFi Inc.,
PO Box 81362
Wellesley, MA 02481
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