The following terms (these “Payment Terms”) govern payments you make or receive through https://www.papmall.com (the “Site”), operated by papmall® SINGAPORE PTE. LTD. (1 RAFFLES PLACE #40-02, ONE RAFFLES PLACE, SINGAPORE, 048616).

Please read these Payment Terms carefully before making or receiving payments through the Site. By making or receiving payments through the Site, you accept and agree, on behalf of yourself or on behalf of your employer or any other entity (if applicable), to be bound and abide by these Payment Terms. These Terms are supplemental to papmall®’s Terms of Service .

Key Terms

Capitalized terms used but not defined herein shall have the respective meanings given to them in the Terms of Service.

papmall® Balance is the aggregated amount of your Revenue as a Seller and/or returned payments from canceled orders as a Buyer and/or your papmall® Business Balance (as defined in the papmall® Business Terms of Service).

Payment Services Provider(s) are service providers that provide payment services to Buyers and Sellers in connection with the papmall® platform, including with respect to collection of funds from Buyers in connection with purchases, remittance and withdrawal of funds to Sellers, currency exchange services in connection with payments and withdrawals in local currencies, and the holding of funds in connection with papmall® Balances.

Net Income is the money that Sellers earn from completed orders and can either withdraw or use to purchase on papmall®, subject to these Terms.

Available for Withdrawal is the money that Sellers can withdraw, after the works has been marked as Completed and passed the 14-day clearance period.

Withdrawned is the total amount of money that Seller has Withdraw from papmall®.

Pending Amount is the pending money that Seller has requested to withdraw and waiting for papmall®’s approval.

Pricing

The price listed on the papmall® Platform is final and includes value-added tax (VAT). Price is subject to change depending on the time and applicable promotion program. Delivery fees and/or charges (if applicable), will not be included in the checkout page when the Order is placed.

We always try to ensure that all information and prices displayed are accurate for each Product or Service, however, there may be occasional errors or omissions due to objective factors. If any price defect is detected, the system will automatically cancel the Order, send an email to inform the Customer. Then, the refund request will immediately be initiated (if the Order has been paid in advance).

Sellers on the papmall® Platform can distribute the same Product or Service with different price policies, the Customer is free to select and compare offers among Sellers to get the most reasonable one. papmall® will not interfere with the pricing policy of the Seller if there is a dispute.

Receiving Payments

General

• Each PAP you sell and successfully complete, accredits your account with revenue equal to 90% of the purchase amount. papmall® accredits Sellers once an order is completed.
• If an order is canceled (for any reason) and has been accepted by Seller or papmall®, the funds paid will be returned to the Buyer’s original payment method.
• Sellers are responsible for paying any direct or indirect taxes, including any GST, VAT or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction. Sellers represent and warrant that they comply, and will comply at all times, with their obligations under income tax provisions in their jurisdiction. The price shown on the PAP order page is inclusive of all such taxes and charges that may apply to the Sellers.
• Appointment as Limited Payment Collection Agent: Seller hereby appoints papmall® as Seller’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Buyer, and remitting those payments to Seller. Seller agrees that payment from Buyer to papmall® shall be considered the same as made directly to Seller. Buyer’s payment obligation to Seller will be satisfied upon receipt of payment by papmall® (or its Payment Services Provider, as applicable), and papmall® (via its Payment Services Provider, as applicable) is responsible for remitting the funds to the Seller in the manner described in these Payment Terms. In the event that papmall® (via Payment Services Provider) does not remit any such amounts to Seller, the Seller will have recourse only against papmall® and not the Buyer directly. Seller agrees that papmall® may describe or otherwise reflect the terms contained herein in any terms of service, receipts, disclosures, or notices including, but not limited to, receipts provided to Buyers that papmall® may deem necessary or prudent.
• papmall® partners with Payment Services Providers for purposes of collecting payments from Buyers, transferring such payments from Buyers to Sellers, and holding funds in connection with papmall® Balances. All payments services in connection with the withdrawal of funds on the papmall® platform are performed by papmall®’s Payment Services Providers.

Withdrawing Revenues

To withdraw your revenue, you must have an account with at least one of papmall®'s Payment Service Providers (PSP) for the withdrawal methods. All funds eligible for Withdrawal will be held on your behalf at an account with papmall®’s PSP. papmall®'s PSP will provide all payment services, including withdrawal services.

Your papmall® profile can be associated with only one account from each papmall® withdrawal method. A Payment Service Provider withdrawal account can be associated with only one papmall® profile.

Following a 14-day safety clearance period after the order is marked as Completed, revenues are available for withdrawal via the Earnings page. Top Rated Sellers are eligible to withdraw revenue following a safety clearance period of 7 days.

Sellers may withdraw their revenues using one of papmall®’s withdrawal options. To withdraw your available income, you must click on the designated withdrawal provider to initiate the withdrawal process.

For security concerns, papmall® may temporarily disable a Seller’s ability to withdraw revenue to prevent fraudulent or illicit activity. This may come as a result of security issues, improper behavior reported by other users, or associating multiple papmall® accounts to a single withdrawal provider.

Withdrawals can only be made in the amount available to you.

Withdrawal fees vary depending on the withdrawal method.

When the withdrawal process has begun, we cannot reverse that proces.

In certain cases, Sellers may withdraw Revenues in several different currencies. All currency exchange services in connection with such withdrawals are performed by papmall®’s Payment Services Providers. Your papmall® Balance is always derived from its US$ value and, therefore, the local currency amount of your papmall® Balance may change daily in accordance with exchange rate fluctuations and also includes conversion fees. Sellers always have the option to withdraw Revenues in US$.

Sellers will be able to withdraw their revenues from disabled accounts after a safety period of 90 days following full verification of ownership of the account in question, from the day of the last cleared payment received in their account and subject to papmall®'s approval.

Withdrawal Methods

Withdraw to your PayPal Account - $0 Fee*. For a list of PayPal services by country click here .

Local Bank Transfer (LBT) - Minimum US$10 or 1% per annual. Available worldwide.

* Additional fees may apply based on your location and currency.

Purchasing

General

Buyers pay papmall® to create an order from a Seller’s PAP page, using the Order Now button. papmall® collaborates with Payment Services Providers to collect all payments from Buyers, transfer those payments to Sellers, and hold funds with papmall® Balances. papmall®'s Payment Services Providers handle all payments services related to the collection of funds on the papmall® platform.

papmall® serves as Seller’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Buyer, and remitting those payments to Seller. Buyer’s payment obligation to Seller will be satisfied upon receipt of payment by papmall® (or its Payment Services Provider, as applicable), and papmall® (via its Payment Service Provider, as applicable) is responsible for remitting the funds to the Seller in the manner described in these Payment Terms. In the event that papmall® (via Payment Services Provider) does not remit any such amounts to Seller, the Seller will have recourse only against papmall® and not the Buyer directly.

In most locations, purchases on papmall® can be made by using one of the following payment methods: Credit Card, PayPal, Amazon Payment, Bank transfer or existing papmall® Balance. Additional payment methods may apply in certain locations. More information on available payment methods is available here.

Your existing papmall® Balance will be automatically applied to your next purchase.

You may not offer Sellers to pay, or make payment using any method other than through the papmall.com site. In case you have been asked to use an alternative payment method, please report it immediately to Customer Support at [email protected]

You agree to receive invoices and/or payment receipts from papmall® in electronic form as PDF documents, by email or through the Site.

To protect against fraud, unauthorized transactions (such as money laundering), claims, or other liabilities, payment information in connection with withdrawals is collected by either papmall® or papmall®’s Payment Services Providers. Payment Services Providers may also collect such other information as necessary for the purpose of processing withdrawal payments. papmall® is not exposed to the payment information provided to Payment Services Providers, and this information is subject to the privacy policy applicable to the Payment Service Provider. Please see our Privacy Policy for more information here.

By using any payment method and/or providing payment details for making purchases on papmall®, you represent and warrant that: (a) you are legally authorized to provide such information; (b) you are legally authorized or have permission to make payments using the payment method(s); (c) if you are an employee or agent of a company or person that owns the payment method, you are authorized by that company or person to use the payment method to make payments on papmall®; and (d) such actions do not violate any applicable law.

Local Currencies

You can pay on papmall® in several different currencies. Unless stated otherwise, you will be charged in the currency displayed on the payment page. All currency exchange services in connection with payments in local currencies are performed by papmall®’s Payment Services Providers. In certain cases, however, when certain currencies are not supported by certain payment methods, you will be charged in US$ even if the price is displayed in another currency.

In any event, the actual charged amount (in the actual payment currency) will be clearly disclosed to you before you complete the payment.

Note that all prices on papmall® are derived always from their original US$ price and, therefore, non-US$ currency prices may change daily in accordance with exchange rate fluctuations and may also include conversion fees. Buyers always have the option to pay in US$ by changing their currency.

If you paid for an Order in a currency other than US$ and your Order was later canceled for any reason, the amount returned to your papmall® Balance would be based on the exchange rate as of the date of cancellation. Therefore, the returned amount may vary from the paid amount in local currency terms, while always maintaining the same US$ value.

Your papmall® Balance is always valued in US$, even if it is displayed in a non-US$ currency. Therefore, should you choose to view your papmall® Balance in any currency other than US$, it may change daily in accordance with exchange rate fluctuations, while always maintaining the same US$ value. Users always have the option to view their papmall® Balance in US$ by changing their selected displayed currency.

Taxes

papmall® may be required by applicable laws to charge users with indirect taxes (such as Sales Tax, VAT or GST) or to withhold taxes. Any amount papmall® will be required to collect will be in addition to the purchase amount and any other fees payable by the Buyer, and any amount papmall® will be required to withhold will be deducted from the Seller’s revenue, as required by applicable laws.

Indirect taxes are in addition to the price shown on the site, and in any event, any such taxes will always be displayed to the Buyer before payment.

Users are responsible for paying any direct or indirect taxes, including any GST, VAT, or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction.

Disputes and Cancellations

We encourage our Buyers and Sellers to try and settle conflicts amongst themselves. If for any reason this fails after using the Resolution Center or if you encounter non-permitted usage on the Site, users can contact papmall®'s Customer Support department for assistance here.

Basics

Important note: Filing a transaction dispute or reversing a payment through your payment provider or your bank is a violation of these Payment Terms. Doing so may get your account temporarily or permanently disabled. Note: Once you have filed a dispute with your payment provider, the funds will be ineligible for a refund due to our obligations towards the payment provider.

Order cancellations can be performed on papmall®, when eligible, by Customer Support.

In the event that you encounter an issue related to the service provided in an order, you are encouraged to discuss with the Seller to resolve the matter. If both parties can not reach the same goal, you can raise an inquiry to papmall® support team, we will collect the necessary information, and based solely on that to give the final decision.

papmall®, through its Payment Services Provider, reserves the right to cancel orders or place funds on hold for any suspected fraudulent transactions made on the Site.

All transfer and assignment of intellectual property to the Buyer shall be subject to full payment and the delivery may not be used if payment is canceled for any reason.

If an order is canceled before carrying out the work (for any reason), the funds paid will be returned to the Buyer’s papmall® Balance.

Requesting to gain more services from Sellers beyond the agreed requirements by using the Request Revisions button is not allowed.

Order Cancellations

papmall® encourages Buyers and Sellers to resolve service disputes mutually using the Resolution Center.

Eligibility for requests to papmall® to cancel an order will be assessed by our Customer Support team based on a number of factors, including violations of our Terms of Service and/or our Community Standards, general misconduct, and improper usage of the papmall® delivery system. See below for Order specific eligibility.

Completed orders may be canceled, upon review of our Customer Support team, up to 14 days after the order is marked as complete. Please be advised that orders cannot be partially canceled (i.e. we can only cancel the entire order when it is justified).

In rare circumstances where we find it appropriate, our Customer Support team may cancel a completed order even after 14 days have passed from its completion. In such cases, the amounts paid for the canceled order will be returned to the Buyer’s papmall® Balance and will be deducted from the Seller’s papmall® Balance or, if there are no sufficient amounts in the Seller’s papmall® Balance, from future revenues of such Seller.

Orders are not eligible to be canceled based on the quality of service/materials delivered by the Seller if the service was rendered as described in the PAP Page. You may rate your experience with the Seller on the Order Page, including the overall level of service quality received.

You can raise an inquiry to address your concerns and desired resolution related to the service provided by their Seller prior to contacting Customer Support. Customer Support will not take any action against Orders where the applicable has failed to inform their Seller of issues related to the Seller’s service and will allow Sellers to provide a resolution first. This does not include non-permitted usage of papmall®.

Any non-permitted usage of papmall® encountered during an Order, after being reviewed by our Customer Support team, may result in the order being canceled. This includes, but not limited to; harassment, unlawful behavior, or other violations of papmall®’s Terms of Service.

papmall® Customer Support will cancel orders based on, but not limited to, the following reasons:

• Active orders (after requirements were submitted to the Seller and before the Seller delivers on papmall®): The Seller is late and unresponsive for more than 24 hours while the order is marked as Late.

• Users are abusive towards the other party through threats of low ratings or leveraging order materials (such as logins, personal information) against each other.
• Users supplied or included copyright/trademark infringing materials as part of their requirements or the Seller’s delivery.
• The user is no longer an active papmall® user due to Terms of Service violations or closure of their account.
• Delivered Orders (after the Seller clicks Deliver Now and before the order is marked as complete)
• The Seller uses the Delivery system to extend the delivery due date to complete the requested service without providing the final delivered service. Note: Multiple reported offenses will result in permanent suspension of your account.
• The Seller delivers no files and/or proof of work related to the agreed upon order requirements. Note: Subjectivity of the materials in question will be reviewed by our Customer Support team.
• The Seller requests additional payments, on or off the papmall® platform, by withholding the final delivery of services directly related to the agreed requirements.
• The Seller is withholding the final delivery of services for improved ratings.
• Users who abuse the Request Revisions button to gain more services from Sellers beyond the agreed requirements.
• Users who threaten to leave a damaging review to gain more services from the Seller not related to the agreed requirements.
• Completed Orders (after the order is marked as complete and before the 14-day limitation)
• Users who have been reported to use copyright/trademark infringing materials after verification and with proof.
• Users who did not purchase commercial use rights and are reported to have used the materials commercially. Note: Terms of Commercial use are found on the Seller’s PAP Page and cannot be retroactively included once the order is completed for over 14 days.

papmall® Customer Support will review cases of Order delivery manipulation that prevents users from fully utilizing our Resolution Center that enabled the order to be marked as complete.

Chargebacks

papmall® reviews cases of payment provider chargebacks and disputes on behalf of Sellers. Although results vary per case due to each chargeback reason, we work hard on resolving disputes in the Seller’s favor. If the chargeback case allows, papmall® (or one of papmall®’s Payment Services Providers) will return parts or full revenue back to Sellers, otherwise the chargeback amount will be borne by the Seller.

Refunds

papmall® does not automatically refund payments made for canceled orders back to your payment provider. Funds from order cancellations are returned to the Buyer's papmall® Balance and are available for future purchases on papmall®. Regarding any service fee, papmall® returns it to your papmall® Balance once an order is canceled. In any event, if the service fees were not returned to your papmall® Balance following an order cancellation, such service fees’ amount will be exempted from your next purchase on papmall®.

Deposit refunds (i.e. refunds directly to your payment provider) can be performed by our Customer Support team, based on the Order’s original payment amount and currency. To prevent fraud and abuse, we limit the total amount of times users can request a payment provider refund, which is subject to review by our Customer Support team. Such refunds may be subject to an additional fee.

General Terms

Modifications

papmall® may make changes to these Payment Terms from time to time. When these changes are made, papmall® will make a new copy of the terms available on this page.

You understand and agree that if you use papmall® after the date on which the Payment Terms have changed, papmall® will treat your use as acceptance of the updated Payment Terms.

Disclaimer of Warranties

YOUR USE OF THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER papmall® NOR ANY PERSON ASSOCIATED WITH papmall® MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE SITE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

IN NO EVENT WILL papmall®, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

IN ACCEPTING LIABILITY AS THE LIMITED AUTHORIZED PAYMENT COLLECTION AGENT OF SELLER, papmall® AND ITS AFFILIATES ASSUME NO LIABILITY FOR ANY ACTS OR OMISSIONS OF SELLER.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

The term “Affiliate” referred to herein, is an entity that, directly or indirectly, controls, or is under the control of, or is under common control with papmall®, where control means having more than fifty percent (50%) voting stock or other ownership interest or the majority of voting rights of such entity.