Terms and Conditions

 

Last Updated: September 19, 2025

 

Definitions

BuySellVouchers ("Platform", "Company", "We", "Us", "Our"): Overmorrow Trading Solutions OPC, Reg. number 2022030046768-05, registered 9th Floor, V Corporate Centre, L.P. Leviste Street, Salcedo Village, Makati, 1227 Metro Manila, Philippines.

Buyer ("You", "Client", "Customer"): Any natural or legal person purchasing Products on the Platform.

Seller: Registered users offering digital products for sale on the Platform.

Product: Digital items including gift cards, vouchers, and similar products listed by Sellers or BuySellVouchers.

User: Any individual accessing the Platform, including guests and registered users.

    1.         Acceptance of Terms

                  1.1.         By using BuySellVouchers, you agree to comply fully with these Terms and Conditions.

                  1.2.         If you do not agree with these Terms, you must cease all use of the Platform immediately.

    2.         General Provisions

                  2.1.         BuySellVouchers operates exclusively as a digital marketplace connecting Buyers and Sellers for secure peer-to-peer (P2P) transactions.

                  2.2.         BuySellVouchers does not own, store, or physically handle products sold by third-party Sellers and thus is not responsible for their quality, legality, or authenticity.

                  2.3.         Payment processing is handled by licensed third-party cryptocurrency payment processor Finassets.io (TROPIC GATEWAY SOLUTION S.A.) and card gateway PayBis (PAYBIS POLAND Sp. z o.o.).

                  2.4.         BuySellVouchers is not a party to transactions between Buyers and Sellers and only provides the interface and escrow services.

    3.         Services Provided

                  3.1.         Marketplace Role and Responsibilities

                                3.1.1.         Platform Intermediary Role. BuySellVouchers operates as an online marketplace facilitating transactions between independent Sellers and Buyers. The Platform is neither the buyer nor seller of Products listed and does not own, control, or sell any Products itself, except when explicitly indicated.

                                3.1.2.         Limited Liability
All sales contracts are made exclusively between the Buyer and the Seller. BuySellVouchers does not guarantee or endorse the accuracy, quality, safety, legality, or reliability of any Seller, Product, or transaction listed or completed through the Platform. The Platform explicitly disclaims all liability for losses, damages, or claims arising from any transactions conducted via the Platform.

                  3.2.         Peer-to-Peer (P2P) Transactions

                                3.2.1.         Escrow Facilitation
BuySellVouchers (or its designated Payment Processor) may temporarily hold funds paid by the Buyer as part of its marketplace service to ensure secure transaction fulfillment. The Platform will hold such payments for up to 36 hours or until the Buyer explicitly confirms receipt and acceptance of the Product.

                                3.2.2.         Buyers agree and acknowledge that:

                                             3.2.2.1.         Such holding of funds is solely for transactional safety and does not constitute a fiduciary custodial relationship or bank deposit.

                                             3.2.2.2.         The company does not operate as a licensed escrow or payment institution. Funds are temporarily held only as a part of transactional facilitation and not under any fiduciary or custodial obligation.

                                             3.2.2.3.         Funds held during transactions do not earn interest and are not insured by any governmental or private agency.

                                             3.2.2.4.         The Platform may commingle or otherwise manage held funds in its ordinary course of business operations, subject to applicable law, and Buyers shall have no claim to any interest or other benefit arising from such held funds.

                                3.2.3.         Release and Refund of Funds
Funds will be released to the Seller upon Buyer's confirmation of Product delivery or automatically after 36 hours if no dispute or claim has been raised by the Buyer within that period. In case of a dispute, the Platform reserves the right to retain funds until a resolution is reached. Decisions made by the Platform regarding disputes are final and binding on both Buyer and Seller.

                  3.3.         Direct Sales by Platform
Products sold directly by BuySellVouchers (clearly identified as such on the Platform) are governed separately, and the Platform explicitly guarantees accurate descriptions and timely delivery solely for these direct sales.

                  3.4.         Seller Listings and Information
Sellers are exclusively responsible for providing complete, accurate, truthful, and updated Product descriptions, conditions, restrictions, regional limitations and other relevant details. Buyers must thoroughly review these details prior to purchase. The Platform disclaims any responsibility for inaccuracies or omissions in listings provided by Sellers.

                  3.5.         Communication Tools and User Reviews
Buyers and Sellers must utilize only Platform-provided communication channels. Communication outside the Platform for transaction purposes is strictly prohibited. Users may provide feedback, reviews, and ratings after each transaction to enhance transparency and trust. The Platform reserves the right, at its discretion, to remove feedback that violates its policies or is determined to be abusive, manipulative, or fraudulent.

                  3.6.         Third-party Payment Processors

                                3.6.1.         Payment processing is handled by licensed third-party cryptocurrency payment processor Finassets.io (TROPIC GATEWAY SOLUTION S.A.) and card gateway PayBis (PAYBIS POLAND Sp. z o.o.), among others.

                                3.6.2.         By utilizing payment methods provided by these third-party gateways, you acknowledge and agree to be bound by their respective terms and conditions, which can be found on their official websites.

                                3.6.3.         BuySellVouchers assumes no responsibility or liability for any payment processing failures, errors, delays, fees, or other issues that arise as a result of a Client's failure to adhere to the terms and conditions of the respective payment provider.

                                3.6.4.         For certain payment methods, the Platform designates JILIN BUSINESS LIMITED (Registered office address: 8F, 30 Hollywood Road, Central, HK; Registration number: 3286232) as an authorized payment collection agent to facilitate transactions on behalf of the Company.

    4.         Account Types and Registration

                  4.1.         Account types:

                                4.1.1.         Guest Users: Can perform limited purchases without an account.

                                4.1.2.         Registered Buyers: Basic account with enhanced purchase history and features.

                                4.1.3.         Verified Buyers: Higher transaction limits after verification.

                  4.2.         Account registration requires providing accurate personal details.

                  4.3.         Users must update personal details within 14 calendar days of changes.

                  4.4.         Only one account per individual or legal entity is allowed unless explicitly authorized by BuySellVouchers. The Platform reserves the right to identify and irrevocably close any and all duplicate accounts without prior notice.

                  4.5.         Using VPN or similar location masking without prior approval is prohibited.

                  4.6.         Recreating a Suspended Account. Users whose accounts have been previously suspended or terminated are prohibited from creating new accounts. If the Platform discovers that a previously suspended user has registered a new account, we reserve the right to immediately and permanently close that new account without notice.

    5.         Buyer Responsibilities

                  5.1.         Carefully review product descriptions, terms of sale, and Seller details before purchasing.

                  5.2.         Confirm that the chosen cryptocurrency network (e.g., USDT TRC20, ERC20, Polygon) matches the intended transaction; incorrect transactions may be unrecoverable.

                  5.3.         Immediately report unauthorized use of accounts or suspicious activities to the support team.

    6.         Payments and Cryptocurrency Balance

                  6.1.         Accepted Payment Methods

                                6.1.1.         Payments on BuySellVouchers are exclusively processed through:

                                             6.1.1.1.         Supported cryptocurrencies via our approved crypto payment processors (including Finassets.io).

                                             6.1.1.2.         Approved third-party fiat payment gateways (including but not limited to Tazapay.com).

                                6.1.2.         When using third-party payment methods (credit cards, e-wallets, etc.), users must agree to the respective third-party’s terms and conditions. BuySellVouchers is not responsible or liable for any errors, failures, fees, or additional costs incurred due to third-party payment providers.

                  6.2.         Cryptocurrency Payment Disclaimer

                                6.2.1.         Cryptocurrency payments are irreversible. Users are solely responsible for ensuring the correct cryptocurrency type, amount, and network (e.g., TRC20, ERC20, Polygon) are selected when initiating a payment.

                                6.2.2.         BuySellVouchers is not responsible for cryptocurrency payments sent to incorrect wallet addresses or through unsupported blockchain networks. Such transactions may lead to permanent loss of funds with no possibility of recovery or refund.

                                6.2.3.         Users may request a crypto transaction tracking service provided by the Platform at a fee of $100. However, this service does not guarantee fund recovery.

                  6.3.         Buyer USD Balance (Platform Credit)

                                6.3.1.         Nature of Balances. The Platform allows Users to hold balances in specific cryptocurrencies, such as USDT TRC20, USDT BEP20, and USDT Polygon ("Cryptocurrency Balances"). These balances are recorded on an internal ledger corresponding to your account.

                                6.3.2.         No Conversion. The Platform does not perform any currency conversion. The asset you deposit is the exact asset type credited to your balance. The final credited amount will be the amount you deposited minus any applicable platform top-up fees. These fees will be clearly disclosed to you before you confirm the transaction.

                                6.3.3.         Buyer Deposits. For Buyers, Cryptocurrency Balances that are topped up or deposited are considered closed-loop funds intended solely for purchasing Products on the Platform. These deposited balances are non-withdrawable and cannot be exchanged for other currencies.

                                6.3.4.         Seller Earnings. Balances accrued by Sellers from completed sales are distinct and governed by the Seller Terms and Conditions regarding withdrawals. Sellers receive the same cryptocurrency that the Buyer used for the purchase and may withdraw that specific cryptocurrency.

                  6.4.         Disclaimers

                                6.4.1.         No Interest or Insurance. Cryptocurrency Balances held on the Platform do not earn interest and are not insured by any governmental or private agency . They do not constitute a bank deposit or an electronic money account.

                                6.4.2.         Not a Wallet Service. The Platform is not a cryptocurrency wallet provider. Balances should only be held for the purpose of transacting on BuySellVouchers. We are not responsible for any risks associated with the volatility or security of the underlying cryptocurrency assets.

                  6.5.         Currency Conversion Costs and Risks

                                6.5.1.         Any fees, costs, or losses resulting from currency conversions or fluctuations in cryptocurrency market values are solely borne by the user. BuySellVouchers does not compensate users for any losses or additional costs related to currency conversions or exchange rate volatility.

    7.         Product Delivery

                  7.1.         Delivery Methods Overview
Products listed on BuySellVouchers are delivered via either Instant Automatic Delivery or Manual Delivery. The applicable delivery method is clearly indicated on each Product page. Buyers must review the delivery method before finalizing their purchase.

                  7.2.         Instant Automatic Delivery

                                7.2.1.         Immediate Digital Fulfillment
Products designated as "Instant Automatic Delivery" are delivered digitally to the Buyer immediately upon successful payment confirmation. Delivery typically occurs within minutes but may vary due to network conditions or transaction volume.

                                7.2.2.         Delivery Method
The delivery method for Digital Products depends on the User's status at the time of purchase.

                                             7.2.2.1.         For Registered Users: Products are delivered to the Buyer’s account on the Platform. An email notification will be sent containing a secure link that directs the User to their account to view and access the Product details.

                                             7.2.2.2.         For Guest Users: Products are delivered directly to the email address provided during checkout. This email will contain all the necessary Product details for immediate use.

                                7.2.3.         Buyer Verification Obligation
Buyers must verify the accuracy and functionality of the Digital Product immediately upon delivery. Any discrepancies or issues must be reported within 24 hours of delivery, as defined in the Buyer Protection Policy (see Clause 8).

                  7.3.         Manual Delivery

                                7.3.1.         Seller Processing and Fulfillment
Products designated as "Manual Delivery" require the Seller to manually deliver the Digital Product within 24 hours following payment confirmation. The specific delivery timeframe and the Seller’s operational hours will be indicated clearly on the Product listing.

                                7.3.2.         Applicability of Manual Delivery
Manual Delivery applies to Digital Products that require direct Seller involvement and cannot be automatically fulfilled at the time of payment.

                                7.3.3.         Delivery Expectations and Obligations

                                             7.3.3.1.         Buyers agree that the Seller has a maximum of 24 hours to deliver the Product.

                                             7.3.3.2.         Buyers must allow the full 24-hour window to elapse before reporting non-delivery issues.

                                             7.3.3.3.         Sellers must provide confirmation of delivery via the Platform, including proof if requested by BuySellVouchers.

                                7.3.4.         Late Delivery and Automatic Refund
If the Seller fails to deliver the Digital Product within the stipulated 24-hour delivery window, the order will be automatically cancelled by the Platform, and the Buyer will automatically receive a full refund to their Platform account balance. No manual action by the Buyer is required to initiate this refund.

                  7.4.         Delivery Communications
All delivery-related notifications are conducted via Platform messaging and email notifications. Communication regarding delivery must take place exclusively through Platform-provided methods. Off-platform delivery or communications violate Platform policy and Buyer Protection coverage.

    8.         Refunds, Buyer Protection, and Dispute Resolution

                  8.1.         General Refund Policy

                                8.1.1.         All sales are generally final. Refunds are only provided under specific circumstances described explicitly in this section.

                                8.1.2.         Refund eligibility scenarios include:

                                             8.1.2.1.         Non-delivery of purchased digital products within the promised timeframe (Instant: immediately; Manual: within 24 hours).

                                             8.1.2.2.         Delivered products that significantly differ from their listed description, including invalid, previously redeemed, or otherwise unusable vouchers or keys.

                                8.1.3.         Refunds are not provided for reasons including, but not limited to:

                                             8.1.3.1.         Buyer dissatisfaction or change of mind after the product has been viewed, redeemed, or otherwise consumed.

                                             8.1.3.2.         Transactions completed or communicated off-platform.

                                             8.1.3.3.         Products confirmed by the Buyer as received and valid, after the 24-hour inspection period.

                                8.1.4.         Refund Method. The method for processing an approved refund depends on the User's status at the time of purchase:

                                             8.1.4.1.         For Registered Users:
Refunds are exclusively credited to the User's corresponding Cryptocurrency Balance on the Platform. The refund will be issued in the same asset that was used for the original purchase (e.g., a transaction paid with USDT TRC20 will be refunded as USDT TRC20).

                                             8.1.4.2.         For Guest Users:
To receive an approved refund, users who made a purchase without a registered account ("Guest Users") must first register an account on the Platform. Once the account is successfully created, the refund will be credited to the User's corresponding Cryptocurrency Balance in the same asset used for the purchase, following the same procedure as for Registered Users (outlined in Clause 8.1.4.1). No refunds are processed to external wallets for guest purchases.

                  8.2.         Buyer Protection – 24-Hour Inspection Period

                                8.2.1.         Upon delivery, Buyers have 24 hours to verify the product's validity, accuracy, and conformity with its description.

                                8.2.2.         After the 24-hour inspection period expires, the transaction is considered complete, confirmed, and non-refundable.

                  8.3.         Initiating a Dispute

                                8.3.1.         Buyers must initiate disputes within the 24-hour inspection period, starting from the exact timestamp the product was marked as delivered or the payment was completed.

                                8.3.2.         Disputes can be initiated directly through the Platform’s dispute system interface by providing detailed and clear evidence substantiating the claim. Evidence may include:

                                             8.3.2.1.         Screenshots demonstrating product invalidity.

                                             8.3.2.2.         Official communications with relevant third-party services verifying issues.

                                             8.3.2.3.         Any other objectively verifiable documentation.

                                8.3.3.         The Platform automatically notifies the Seller once a dispute is initiated. Sellers have 24 hours from this notification to respond to the dispute by providing their own evidence or offering resolution. Once a dispute has been closed, whether resolved through refund, replacement, or buyer inaction, it cannot be reopened or re-initiated on the same grounds.

                  8.4.         Dispute Resolution Process

                                8.4.1.         If the Seller does not respond within 24 hours, the Buyer may escalate the dispute directly to Platform administration for investigation.

                                8.4.2.         During escalations, Platform administration will evaluate evidence provided by both Buyer and Seller. Buyers and Sellers may be requested to provide additional information or clarification. Such additional evidence must be submitted within 48 working hours (calculated as 2 full working days, Monday to Friday, excluding weekends) of the request, or the dispute will be resolved in favor of the other party.

                                             8.4.2.1.         If a dispute requires input from a third-party provider and a response cannot be obtained within 48 working hours, the Seller is required to update the Buyer through the Platform. Sellers must continue to provide updates every 48 working hours (Monday to Friday) until the dispute is resolved.

                                             8.4.2.2.         Failure by the Seller to provide such updates may result in the Platform administration proceeding with a resolution in favor of the Buyer without waiting for the third-party provider’s response.

                                8.4.3.         The Platform administration retains the sole right to make final, binding decisions in all escalated disputes based on the evidence presented.

                                8.4.4.         Resolutions may include:

                                             8.4.4.1.         Full or partial refund to the Buyer’s platform balance.

                                             8.4.4.2.         Re-delivery of an equivalent or replacement digital product from the Seller.

                                             8.4.4.3.         Closure of the dispute without compensation if evidence does not substantiate the claim.

                  8.5.         Limitations and Exclusions

                                8.5.1.         Buyers who initiate external chargebacks (e.g., via bank, cryptocurrency exchanges, payment processors, or other third-party financial institutions) will have their disputes automatically closed by the Platform, with the possibility of immediate account suspension.

                                8.5.2.         Disputes initiated or escalated after the 24-hour inspection period will not be considered by Platform administration under any circumstances.

                                8.5.3.         Disputes initiated after the 24-hour inspection period will not be accepted. However, while the Platform is under no obligation to do so, it reserves the sole right to investigate claims submitted after this timeframe in exceptional circumstances and at its absolute discretion. Any decision to review a late claim does not establish a precedent for future cases.

                                8.5.4.         Disputes from Users with Duplicate Accounts. If, during a dispute investigation, the Platform discovers that the Buyer has created or is using multiple unauthorized accounts, the Platform reserves the right to immediately close the dispute in the Seller’s favor. The Platform is under no obligation to review any evidence submitted by a Buyer found to be operating duplicate accounts.

                  8.6.         Fraudulent or False Claims

                                8.6.1.         Submission of falsified, misleading, manipulated, or intentionally deceptive evidence will result in immediate suspension or permanent termination of the Buyer’s account.

                                8.6.2.         Platform administration reserves the right to refuse future service to any Buyer found to engage in fraudulent claims or disputes.

                  8.7.         Off-Platform Transactions

                                8.7.1.         Transactions or communications occurring outside of the Platform’s provided interface are explicitly excluded from Buyer protection. No refunds, resolutions, or dispute assistance will be provided for off-platform activity.

                                8.7.2.         Both Buyers and Sellers are strictly prohibited from encouraging, arranging, or facilitating transactions outside of the Platform. Violations will result in immediate account suspension.

                  8.8.         Feedback and Dispute Outcome

                                8.8.1.         Buyers can leave feedback reflecting their experience, which will directly influence Seller ratings.

                                8.8.2.         Negative feedback related to a dispute will be reviewed by Platform administration upon dispute resolution. If the dispute is resolved positively (e.g., full refund or replacement), negative feedback may be amended or removed to accurately reflect resolution status.

    9.         Prohibited Activities and Products

                  9.1.         Prohibited Activities

                                9.1.1.         Offsite trading, exchanging personal contact details, or bypassing the Platform’s payment and resolution mechanisms are strictly prohibited.

                                9.1.2.         Harassment, abuse, threats, aggressive language, or inappropriate conduct towards other users or Platform support staff.

                                9.1.3.         Creating multiple accounts without explicit authorization or using VPNs or location-masking tools without prior approval.

                                9.1.4.         Manipulating evidence or providing false, misleading, or fraudulent information during dispute resolution or account verification.

                                9.1.5.         Initiating chargebacks or payment disputes with third-party payment providers without first attempting resolution through the Platform.

                                9.1.6.         Attempting to purchase restricted or prohibited items, including counterfeit or stolen goods.

                                9.1.7.         Refusing to complete a confirmed transaction without valid reason or repeatedly initiating purchases with no intention to follow through.

                                9.1.8.         Penalties for Violations:

                                             9.1.8.1.         First-time violations result in temporary account suspension pending administrative review.

                                             9.1.8.2.         Repeat violations result in a penalty fee (minimum $100 USD) or permanent account termination at BuySellVouchers' discretion. The penalty must be paid before any account reactivation or withdrawal of remaining funds, and cannot be bypassed by requesting account closure.

                                             9.1.8.3.         Severe violations may lead to legal action, forfeiture of funds, or reporting to relevant authorities.

                  9.2.         Prohibited Products

                                9.2.1.         Products or services violating local or international laws, including sanctioned jurisdictions.

                                9.2.2.         Malware, spyware, hacking tools, or unauthorized access software.

                                9.2.3.         Fraudulent, counterfeit, or stolen vouchers, gift cards, or accounts (e.g., PayPal, Binance, Skrill, Neteller).

                                9.2.4.         Illegal, explicit, adult-oriented content, or products of erotic nature.

                                9.2.5.         Gambling, lottery, betting, investment schemes, securities, insurance products, and speculative investments.

                                9.2.6.         Products facilitating money laundering or illegal financial activities.

                                9.2.7.         Personal data, spam tools, phishing software, or unauthorized data collection products.

                                9.2.8.         Charity, fundraising, pyramid schemes, MLMs, or fraudulent investments.

                                9.2.9.         External advertising materials redirecting buyers off-platform.

                            9.2.10.         Prescription medications, drugs, narcotics, controlled substances, or medical-related products.

                            9.2.11.         Weapons, firearms, explosives, materials promoting violence, terrorism, or extremism.

                            9.2.12.         VPN accounts, shared subscriptions (Netflix, Grammarly, etc.), physical bank cards, or identity documents.

                            9.2.13.         Sale or trading of BuySellVouchers accounts or balances.

                            9.2.14.         Products without guaranteed timely delivery.

                            9.2.15.         Enforcement Measures:

                                          9.2.15.1.         BuySellVouchers reserves the right to immediately remove offending products, suspend accounts, or permanently ban users violating these product restrictions without prior notice.

                                          9.2.15.2.         Users are encouraged to immediately report prohibited products or activities. Verified reports may result in rewards at BuySellVouchers’ discretion.

10.         Feedback System

               10.1.         Buyers can leave and edit feedback on purchased products.

               10.2.         Negative feedback triggering a dispute will be removed upon satisfactory resolution.

11.         Liability Limitation

               11.1.         BuySellVouchers explicitly disclaims any liability for indirect, incidental, consequential, special, exemplary, punitive, or other similar damages arising out of or related to your use of the Platform, including but not limited to loss of profits, business interruption, loss of data, or damages arising from transactions, disputes, or interactions between Users.

               11.2.         The Platform is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied. BuySellVouchers does not warrant uninterrupted service, security, accuracy, reliability, timeliness, or suitability of the Platform for a particular purpose.

               11.3.         BuySellVouchers shall not be liable or responsible for any errors, omissions, interruptions, deletions, defects, delays, or technical malfunctions occurring during your use of the Platform

               11.4.         Notwithstanding anything to the contrary herein, the maximum aggregate liability of BuySellVouchers for any claims arising from the use of the Platform shall not exceed the total amount paid by the Buyer for the relevant Product or Service directly giving rise to the claim.

12.         Privacy & Data Protection

               12.1.         Personal Information Handling

                            12.1.1.         BuySellVouchers respects user privacy and is committed to protecting the personal information of its Users. All personal information collected, stored, or processed by the Platform shall comply with applicable data protection regulations, including but not limited to GDPR and other relevant local data protection laws.

                            12.1.2.         Users' personal data will be used exclusively for transaction facilitation, customer service, account management, fraud prevention, and compliance with legal obligations.

                            12.1.3.         To enhance security, prevent fraud, and ensure compliance, the Platform may automatically collect and store certain technical data. This includes, but is not limited to, users' IP addresses, device information (such as browser type and operating system), and access timestamps.

               12.2.         Data Sharing and Third Parties

                            12.2.1.         Personal information may be shared with third-party service providers such as payment processors, fraud detection services, or compliance verification providers strictly for the purposes mentioned above.

                            12.2.2.         BuySellVouchers ensures contractual agreements with third-party providers include confidentiality obligations and data protection compliance.

               12.3.         User Rights

                            12.3.1.         Users have the right to request access to, correction of, deletion of, or restriction of their personal information held by BuySellVouchers. Requests can be directed through the Platform’s support channels.

                            12.3.2.         Users can opt-out of marketing communications or data processing activities where legally permitted by notifying BuySellVouchers directly via the provided support contacts.

               12.4.         Security Measures

                            12.4.1.         BuySellVouchers employs industry-standard technical and organizational security measures to safeguard personal information against unauthorized access, disclosure, alteration, or destruction.

                            12.4.2.         Despite robust measures, Users acknowledge that no internet-based data transmission or electronic storage can guarantee absolute security.

               12.5.         Email Communications and Consent

                            12.5.1.         By creating an account or making a purchase on the Platform, you provide your consent to receive electronic communications from BuySellVouchers.

                            12.5.2.         These communications include, but are not limited to, transactional emails regarding your orders and deliveries, security notifications, and informational or promotional content such as newsletters and special offers.

                            12.5.3.         You may opt out of promotional emails by using the "unsubscribe" link found in the communication. Please be aware that unsubscribing may result in the cessation of all email deliveries from the Platform, including essential transactional and security notifications. BuySellVouchers is not liable for any issues that arise from your failure to receive essential communications after unsubscribing.

13.         Intellectual Property

               13.1.         Platform Intellectual Property.
All rights, title, and interest in and to the BuySellVouchers Platform—including its software, logos, designs, graphics, text, and other content created by the Company—are and will remain the exclusive property of BuySellVouchers (Overmorrow Trading Solutions OPC). Unauthorized use of the Platform's intellectual property is strictly prohibited and may be subject to legal action.

               13.2.         Third-Party Intellectual Property.
All trademarks, brand names, and logos of the products (e.g., gift cards, vouchers) listed for sale on the Platform are the property of their respective owners. BuySellVouchers claims no ownership rights over the intellectual property of these third parties and uses them solely for the purpose of identifying the products sold by sellers.

14.         Restricted Territories and Compliance

               14.1.         The Platform does not provide services to users residing in restricted or prohibited jurisdictions. For a comprehensive and up-to-date list of these territories, please refer to our official Anti-Money Laundering (AML) Policy.

               14.2.         Buyers must comply with all applicable local, regional, and international laws when using the Platform.

15.         Amendments and Updates

               15.1.         BuySellVouchers reserves the right to modify these Terms at any time, with changes effective immediately upon publication on the Platform.

16.         Governing Law

               16.1.         These Terms shall be governed by, and construed in accordance with, the laws of the Philippines without regard to any choice or conflict of laws rules.

               16.2.         Claim Notice. To the extent permitted by law, you agree to waive your rights to any jury trial and for any dispute arising out of or related to these Terms resolved in court. For any dispute or claim that you have against Company or relating in any way to these Terms, you agree to first contact Company and attempt to resolve the claim informally by sending a written notice of your claim ("Notice") to us by email at info@buysellvouchers.com.

17.         General

               17.1.         Notices. By using the Services, we may provide you with any notice or communication, relating to your use of Services by email via the email account associated with your account. It is your responsibility to ensure that you have provided an accurate and up-to-date email account. Notices may be given, and are deemed to be received, if sent to your email account, whether or not a notice of delivery failure is received. Any notices, consent or other communication given under these Terms must be in writing, in English, and signed or otherwise authorized by the party giving it.

               17.2.         Entire agreement. The Terms constitute the entire agreement between you and Company with respect to the Services. Each party acknowledges that it has not relied on, and shall have no right or remedy in respect of, any statement, representation, assurance or warranty (whether made negligently or innocently) other than as expressly set out in these Terms or any Product Terms.

               17.3.         Assignment. You may not assign or transfer any of your rights or delegate any of your obligations hereunder, in whole or in part, without our prior written consent. However, we may assign or transfer any of our rights or obligations under these Terms at any time to anyone else, including, without limitation, in connection with any merger, acquisition, or other corporate reorganization involving Company.

               17.4.         Severance. If, at any time, any clause of these Terms is or becomes illegal, invalid, or unenforceable, neither the legality, validity or enforceability of the remaining clauses will, in any way, be affected or impaired.

               17.5.         Recordings. Subject to applicable law, you agree that Company may, without further disclosure, or consent from you, record any communication that we have with you in relation to these Terms, including communication used to give instructions or effect transactions. Any recordings we keep will constitute evidence of the communications between you and us. You agree that we may use the recorded conversations, transcripts, messages, or other records of communication to allow us to ensure compliance with applicable law, provide customer support, deal with any dispute in connection with these Terms and in any other manner not prohibited by applicable law. These recordings will be Company's sole property.

               17.6.         Third-party rights. Other than in relation to the affiliates or 3rd parties, nothing expressed or referred to in these Terms will be construed to give any person other than the parties to these Terms any legal or equitable right, remedy, or claim under or with respect to these Terms or any clause of these Terms. These Terms are for the sole and exclusive benefit of the parties to these Terms and their successors and permitted assigns.

               17.7.         Survival. All clauses of these Terms, which by their nature extend beyond the expiration or termination of these Terms, will continue to be binding after such termination or expiration.

               17.8.         Relationship of the parties. Company is not an agent of you in the performance of these Terms. These Terms shall not be interpreted as facts or evidence of an association, joint venture, partnership, or franchise between the parties.

               17.9.         Digital Assets. We record in your Account the quantity and type of Digital Assets that are held to your credit. Such Digital Assets will not be segregated on-chain in different wallets from Digital Assets held to the credit of other users or Digital Assets maintained by Company for business purposes. An internal ledger is used to record the quantity and type of Digital Assets a customer is entitled to. Each user will have a ledger-based off-chain account or sub-account with a unique identifier (UID) and associated login credentials, against which the relevant user credit balances are recorded. Company is not a trustee of, and does not owe any trustee duties in relation to, any Digital Assets held to your credit. When you instruct us to transfer or otherwise deal with Digital Assets, we will not use any specifically identifiable Digital Assets to act on such Instructions. Subject to these Terms, Company will use Digital Assets in the same quantity and of the same type as those credited to your Account when acting on your Instructions. You will have the right to receive the same quantity and same type of Digital Assets as those credited to your Account.

            17.10.         Force Majeure. We will not be liable for any failure or delay in the performance as required by these Terms due to causes beyond its reasonable control, including, but not limited to, labor disputes, strikes, lockouts, shortages of or inability to obtain energy, raw materials or supplies, war, terrorism, riot, or pandemics.

            17.11.         Waiver. No delay or omission by Company in exercising any right or remedy under these Terms shall be construed to be a waiver of that right or remedy or of any other rights or remedies thereafter to enforce such rights or remedies. The rights and remedies as set out in these Terms are cumulative and not exclusive of any rights or remedies provided by Applicable Law.

            17.12.         Amount set-off. In addition to any other right or remedy available under these Terms or by law, we may set off any amounts you owe to us under these Terms or otherwise. Save as may be required by Applicable Law, you must pay all sums that you owe to us free and clear without any set-off, counterclaim, deduction or withholding of any kind.

            17.13.         Privacy. If you receive information about another user through the Platform or from using the Services, you must keep the information confidential and only use it in connection with the Services and in accordance with Applicable Law. You must not disclose or distribute any user information to a third party or use the information in any manner except as reasonably necessary to effect a Transaction.

            17.14.         Death of Account Holder. In the event of your death or incapacity, we may suspend your Account if we have reason to believe that you have deceased. Your Account will be suspended until: (i) a representative or beneficiary of your estate completes a successful inheritance application to receive the assets in your Account in accordance with Company's requirements (which may be updated from time to time without notice); or (ii) you provide satisfactory proof that you are not deceased. The transfer of the assets to your Account under this clause is subject to the restrictions imposed by Applicable Law and these Terms. We make no commitment to any particular timeline for the transfer of assets held to the credit of your Account.

            17.15.         Tax. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and to collect, report, and remit the correct tax to the appropriate tax authority. Company is not responsible for determining whether any tax is applicable to the use of the Services, or for collecting, reporting or remitting any tax arising from any Transaction or use of the Services. You acknowledge that we may make certain reports to the relevant tax authorities regarding Transactions made on the Platform. Company may, in its sole discretion or as required by Applicable Law, provide you with additional documentation for the calculation of any tax obligations. We may also withhold and deduct any tax at source due under Applicable Law in our sole discretion.

            17.16.         The Company reserves the right, at its sole discretion, to participate on the Platform as both a buyer and a seller, either directly or through its affiliated entities. When acting in such a capacity, the Company and its affiliates shall not be bound by the same terms, conditions, or fee structures applicable to other users. This may include, without limitation, privileged access to Platform and user data, alternative pricing, and the use of different technical interfaces.

18.         Terms and Conditions (Sellers)

               18.1.         Seller Account Types and Verification

                            18.1.1.         Individual Seller Accounts (KYC)

                                          18.1.1.1.         All individual Sellers must complete a mandatory Know Your Customer (KYC) verification process.

                                          18.1.1.2.         KYC verification requires submission of valid government-issued photo identification, proof of residential address, and a live verification selfie or video call, subject to Platform requirements.

                                          18.1.1.3.         Sellers failing to complete KYC within the stipulated timeframe (14 days from registration) will have their accounts restricted or suspended.

                                          18.1.1.4.         Individual Sellers will have transaction and withdrawal limits according to their verification level.

                            18.1.2.         Business Seller Accounts (KYB)

                                          18.1.2.1.         Business entities registering as Sellers must complete a mandatory Know Your Business (KYB) verification procedure.

                                          18.1.2.2.         Required documentation includes, but is not limited to:

                                                       18.1.2.2.1.         Certificate of Incorporation and Articles of Association

                                                       18.1.2.2.2.         Proof of business address (e.g., utility bill, lease agreement)

                                                       18.1.2.2.3.         Identification documents of beneficial owners and authorized representatives

                                                       18.1.2.2.4.         Business bank account details

                                          18.1.2.3.         Additional due diligence may be requested at Platform discretion.

                                          18.1.2.4.         Successfully verified Business Seller Accounts benefit from significantly higher transaction limits, enhanced account features, and promotional possibilities compared to individual accounts.

               18.2.         Seller Registration Obligations

                            18.2.1.         Sellers must provide complete, accurate, truthful, and updated information during registration and maintain such information in an updated state within 14 calendar days of any changes.

                            18.2.2.         Only one Seller account per individual or entity is allowed unless explicitly authorized by BuySellVouchers.

                            18.2.3.         Recreating a Suspended Account. Sellers whose accounts have been previously suspended or terminated are prohibited from creating new accounts. If the Platform discovers that a previously suspended Seller has registered a new account, we reserve the right to immediately and permanently close that new account without notice and may forfeit any pending balances associated with it.

               18.3.         Listing and Product Responsibilities

                            18.3.1.         Product Listings

                                          18.3.1.1.         Sellers must clearly and accurately describe the Products offered, including all restrictions, value, validity periods, regional limitations, conditions of use, and any activation details.

                                          18.3.1.2.         All Products listed must adhere strictly to the Platform’s Prohibited Products list (Clause 9.2). Violation of this requirement will result in immediate listing removal, penalties, and possible account termination.

                            18.3.2.         Accuracy and Liability

                                          18.3.2.1.         Sellers are solely responsible and liable for ensuring that all information presented in their Product listings is truthful, accurate, complete, and not misleading.

                                          18.3.2.2.         Sellers acknowledge that BuySellVouchers is not responsible or liable for inaccuracies or errors in Seller-generated content.

                            18.3.3.         Proof of Purchase and Product Legitimacy

                                          18.3.3.1.         All Products must originate from legitimate and lawful sources. The sale of Products obtained through fraudulent or unauthorized means is strictly prohibited.

                                          18.3.3.2.         BuySellVouchers reserves the right, at any time and at its sole discretion, to request proof of purchase for any Product listed for sale or previously sold. The Seller must provide this proof promptly upon request.

                                          18.3.3.3.         Acceptable proof of purchase includes, but is not limited to, official invoices, bank statements, or digital receipts and platform extracts from the original retailer that clearly demonstrate the legitimate acquisition of the Product.

                                          18.3.3.4.         Failure to provide satisfactory proof of purchase may result in immediate actions by the Platform, including but not limited to, removing the relevant Product listing, restricting the Seller’s ability to sell certain products, or the temporary suspension or permanent closure of the Seller’s account.

                                          18.3.3.5.         The submission of forged, manipulated, misleading, or otherwise falsified proof of purchase is a severe violation of these Terms. Any such action will result in the immediate temporary suspension or permanent termination of the Seller’s account at the Platform’s sole discretion.

               18.4.         Order Processing and Delivery Obligations

                            18.4.1.         Instant Automatic Delivery

                                          18.4.1.1.         Sellers utilizing Instant Delivery must upload Products (voucher codes, digital files) in advance.

                                          18.4.1.2.         Products must be immediately available upon purchase completion by the Buyer.

                            18.4.2.         Manual Delivery

                                          18.4.2.1.         Sellers offering Products via Manual Delivery must deliver the Product within a maximum of 24 hours after payment confirmation.

                                          18.4.2.2.         Sellers must clearly indicate their operational hours and expected delivery times on each Product listing.

                                          18.4.2.3.         Failure to deliver within 24 hours will result in automatic order cancellation and full refund issuance to the Buyer, negatively impacting Seller's account rating.

               18.5.         Seller Conduct and Communication

                            18.5.1.         Sellers must strictly use Platform-provided communication tools for all interactions with Buyers. Off-platform trading or communication related to transactions is strictly prohibited.

                            18.5.2.         Sellers must conduct business professionally and courteously.

                            18.5.3.         Abusive, threatening, harassing, or fraudulent conduct towards Buyers or Platform staff will result in immediate suspension or permanent termination of the Seller account.

               18.6.         Payment & Settlement

                            18.6.1.         Payments from completed transactions will be credited to Seller’s Platform account balance within 36 hours following Buyer confirmation or automatic acceptance (post-delivery window).

                            18.6.2.         Funds held during transactions do not accrue interest, nor do they constitute any form of fiduciary relationship or insured deposits.

                            18.6.3.         Sellers may withdraw available balances through Platform-supported withdrawal methods, subject to processing times, fees, and withdrawal limits based on the Seller’s verification level.

               18.7.         Seller Fees and Charges

                            18.7.1.         Sellers agree to pay applicable Platform fees (listing fees, transaction fees, withdrawal fees), clearly indicated on the Seller’s dashboard and fee schedule.

                            18.7.2.         BuySellVouchers reserves the right to modify fees, providing Sellers advance notice via email or platform announcements.

               18.8.         Returns, Refunds, and Disputes

                            18.8.1.         Sellers must actively cooperate and respond promptly (within 24 hours) to any Buyer-initiated disputes or Platform investigations. Sellers acknowledge that Buyers have a 24-hour period after purchase to initiate a dispute.

                            18.8.2.         Sellers may be required to provide clear evidence of Product delivery, authenticity, and validity. This includes the potential for a mandatory request for the proof of purchase as defined in Clause 16.3.3. Should the Seller fail to provide satisfactory proof of purchase during a dispute, the case may be resolved in the Buyer's favor by Platform administration.

                            18.8.3.         If a dispute initiated within the 24-hour period is resolved in the Buyer’s favor, the transaction amount will be deducted from the Seller's account balance to refund the Buyer. Failure to cooperate can also result in a ruling in the Buyer's favor.

                            18.8.4.         Communication During Disputes. During an active dispute investigation, the Seller is obligated to provide the Buyer with daily updates regarding the status of their inquiry through the Platform's official communication channels. Should the Seller fail to provide these regular updates, the Platform reserves the right to resolve the dispute in the Buyer’s favor on the grounds of non-cooperation.

                            18.8.5.         Extended Seller Liability. The Seller acknowledges that their liability for the authenticity and long-term validity of a Product extends beyond the Buyer's 24-hour dispute window. The Platform reserves the sole right, at its discretion, to investigate issues reported after this period (e.g., a gift card being revoked or found invalid at a later date). If the Platform support team determines the Seller is at fault, BuySellVouchers may deduct the corresponding amount from the Seller's account balance to refund the Buyer. The Platform's decision in such cases is final and binding.

                            18.8.6.         Disputes Involving Sellers with Duplicate Accounts. If, during a dispute investigation, the Platform discovers that the Seller has created or is using multiple unauthorized accounts, the Platform reserves the right to immediately close the dispute in the Buyer’s favor and issue a full refund. The Platform is under no obligation to review any evidence submitted by a Seller found to be operating duplicate accounts.

               18.9.         Intellectual Property Compliance

                            18.9.1.         Sellers warrant that they have full ownership, rights, or legitimate licenses to sell listed Products.

                            18.9.2.         Sellers agree not to infringe on any third-party intellectual property rights.

                            18.9.3.         Proven infringement will lead to immediate Product removal and potential suspension or termination of the Seller account.

            18.10.         Privacy and Data Protection

                         18.10.1.         Sellers must comply with all applicable privacy laws (including GDPR for EU buyers).

                         18.10.2.         Personal information of Buyers must not be misused, shared, or stored outside of Platform purposes.

                         18.10.3.         Violation of Buyer privacy will result in immediate account suspension, penalties, or legal action.

            18.11.         Prohibited Activities and Penalties

                         18.11.1.         Prohibited Seller activities include, but are not limited to:

                                       18.11.1.1.         Listing prohibited Products

                                       18.11.1.2.         Manipulating Platform ratings or feedback

                                       18.11.1.3.         Engaging in fraudulent transactions or intentionally misleading Buyers

                                       18.11.1.4.         Attempting off-platform transactions or communications

                         18.11.2.         Penalties for violations may include temporary suspension, permanent account termination, fines (minimum $100 USD), or legal actions at BuySellVouchers’ discretion.

            18.12.         Seller Performance Standards and Consequences

                         18.12.1.         BuySellVouchers monitors Seller performance based on various metrics, including but not limited to:

                                       18.12.1.1.         Delivery timeliness as outlined in Clause

                                       18.12.1.2.         Dispute frequency and resolution related to Clause

                                       18.12.1.3.         Listing accuracy per Clause

                                       18.12.1.4.         Customer feedback, and overall compliance with these Terms.

                         18.12.2.         Sellers are expected to maintain satisfactory performance levels as determined by BuySellVouchers.

                         18.12.3.         Failure to maintain adequate performance standards may result in corrective actions by BuySellVouchers, at its discretion. Such actions may include warnings, account limitations (such as listing restrictions or withdrawal holds), temporary account suspension, or permanent account termination as described in Clause 18.13.

            18.13.         Termination of Seller Accounts

                         18.13.1.         BuySellVouchers reserves the right to suspend or terminate Seller accounts for violations of these Terms (including failure to meet performance standards as described in Clause 18.12), fraudulent activities, legal compliance issues, or for actions causing reputational damage to the Platform.

                         18.13.2.         Upon termination, any funds in the Seller’s account balance may be withheld for investigation or used to compensate affected Buyers or cover Platform losses.

19.         Contact Information

For support, dispute resolution, or any other inquiries, please contact:
Company: Overmorrow Trading Solutions OPC
Address: 9th Floor, V Corporate Centre, L.P. Leviste Street, Salcedo Village, Makati, 1227 Metro Manila, Philippines.