Terms and Conditions

Effective Date: 08.04.2025

1. Introduction

Welcome to xgify.com (“xgify.com”, the “Site”). The Site is operated by GalaxyGrip OÜ (the “Company”, referred to as “we,” “us,” or “our”). These Terms and Conditions (these “Terms”) are a legally binding agreement governing your access to and use of xgify.com’s e-commerce platform, including our website at https://xgify.com and any related applications, features, or services (collectively, the “Services”).

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as any other policies referenced herein (including our Privacy Policy, Cookie Policy, Refund Policy, and AML/KYC Policy). If you do not agree with any part of these Terms, you must refrain from using the Services.

Our Services are available to both individuals and legal entities. The Services are intended for individuals who are at least 18 years old (or the age of majority in your place of residence) and who have the legal capacity to enter into contracts. If you are using the Services on behalf of a legal entity (such as a company or organization), you represent that you have the authority to bind that entity to these Terms, and in such cases, references to “you” include both the individual using the service and the entity. By using the Services, you represent and warrant that you meet these eligibility requirements.

Company Information

GalaxyGrip OÜ is a private limited company incorporated under the laws of Estonia (Registration No. 16776100). The Company’s registered address is Harju maakond, Tallinn, Lasnamäe linnaosa, Katusepapi tn 6-502, 11412, Estonia. GalaxyGrip OÜ is the legal entity responsible for operating xgify.com.

Services

xgify.com is an e-commerce platform that offers digital gift certificates and mobile account top-up cards (each a “Product”) for purchase. Through our platform, users can buy digital gift cards or mobile phone top-up vouchers which are delivered electronically. These Products are typically issued by third-party providers (such as retail brands or mobile network operators), and xgify.com enables you to conveniently purchase and receive them online.

2. Ownership and Intellectual Property

All content and materials available through the Services – including, without limitation, text, images, graphics, logos, trademarks, videos, software code, and data compilations (collectively, the “Content”) – are the property of the Company or its licensors and are protected by copyright, trademark, and other intellectual property laws. We reserve all rights in and to the Content that are not expressly granted to you under these Terms.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Content and Services for your own personal, non-commercial use, in accordance with these Terms. You may not copy, reproduce, modify, create derivative works from, publicly display, distribute, or otherwise exploit any Content on the Site without our prior written permission.

If you believe that any Content on the Site infringes upon your intellectual property rights, please notify us at [email protected] with a detailed description of the alleged infringement so that we can investigate and address your concerns promptly.

User-Generated Content: If you submit, post, or upload any content to the Services (for example, reviews, comments, or other materials), you represent and warrant that you have all necessary rights and permissions to that content. By providing any such user-generated content, you grant the Company a perpetual, worldwide, royalty-free, non-exclusive license to use, reproduce, adapt, publish, translate, distribute, and display that content (in whole or in part) for the purpose of operating, improving, or promoting the Services. You remain solely responsible for any content you provide. We may remove or delete user-generated content at our discretion, especially if it violates these Terms or any applicable law.

3. User Responsibilities

By using our Services, you agree to use them only for lawful purposes and in compliance with these Terms. You must refrain from any behavior that is unlawful, unethical, or harmful to us or other users. In particular, you must NOT do any of the following:

• Illegal or Fraudulent Activity: Use the Services for any illegal, fraudulent, or unauthorized purpose, or engage in any activity that violates any applicable law or regulation (including, but not limited to, laws against money laundering or terrorist financing).
• Intellectual Property Infringement: Post or transmit any content that infringes or violates the intellectual property rights or other rights of any person or entity.
• Unauthorized Access: Attempt to gain unauthorized access to any portion of the Services or any related systems, servers, or networks, or attempt to bypass or undermine any security measures in place.
• Interference with Services: Disrupt, interfere with, or damage the operation of the Services or any user’s enjoyment of them. This prohibition includes actions that could disable, overburden, or impair our servers or networks (e.g., initiating denial-of-service attacks, or using bots/scripts to make excessive requests).
• Automated Use and Scraping: Use any robot, spider, scraper, crawler, or other automated means to access the Services for any purpose without our express prior written permission.
• Malicious Code: Introduce or transmit any viruses, worms, malware, Trojan horses, or other code that is malicious or technologically harmful to the Site or through the Services.
• Spam and Unsolicited Communications: Use the Services to transmit any unauthorized advertising or promotional material, junk mail, spam, chain letters, pyramid schemes, or any other form of unsolicited mass communication.
• Misrepresentation: Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity. You must not conceal or falsify the origin of any message or transaction you initiate through the Services.
• Reverse Engineering: Reverse engineer, decompile, disassemble, or attempt to discover the source code or underlying components of any part of the Services, except to the extent such activity is expressly permitted by applicable law.

We reserve the right to monitor the use of the Services and investigate any suspected violation of these Terms. If we determine (in our sole discretion) that you have violated these Terms or engaged in prohibited conduct, we may take appropriate action. This may include removing or blocking access to content you have posted, suspending or terminating your access to the Services (consistent with the Termination provisions below), and/or reporting your activities to law enforcement or regulatory authorities. You agree to cooperate with us in any investigation of potential violations.

4. Account Registration and Security

Account Optional: You are generally not required to register an account to purchase Products on xgify.com. You may browse the Site and make purchases as a guest. However, certain features (for example, accessing a detailed order history or using special promotions) may be available only to registered users. If you choose to create a user account (“Account”), you must provide truthful, current, and complete information during registration (e.g., name, email address, and any other required details). You are responsible for updating your Account information promptly if it changes, so that it remains accurate and complete.

You are responsible for maintaining the confidentiality of your Account login credentials (username and password). Do not share your credentials with anyone else. You are fully responsible for all activities that occur under your Account, whether or not you authorized them. If you become aware of any unauthorized use of your Account or any breach of security, you should notify us immediately. We will not be liable for losses or damages arising from someone else’s use of your Account due to your failure to keep your credentials secure.

Identity Verification: We may require you to undergo certain verification processes (for example, identity verification or additional security steps) either when you register an Account or when you make a purchase or otherwise use the Services. In particular, we may request verification in connection with payments or to comply with legal obligations (such as anti-money laundering regulations and our AML/KYC Policy). If you fail to comply with any verification request, or if you provide false or misleading information, we may suspend or refuse your use of the Services and/or terminate your Account (if one has been created).

Account Suspension or Deletion: We reserve the right to suspend, restrict, or delete your Account at our discretion if we determine that: (a) you have violated these Terms or any applicable law; (b) you have provided false, outdated, or misleading registration information; (c) you have engaged in fraudulent or improper activities; or (d) your Account has been inactive for an extended period. In the event of Account suspension or deletion, we may deactivate or delete your Account and all associated data, and you may be prevented from accessing the Services or your Account information. (See the Termination section of these Terms for more details.) You acknowledge that we are not liable to you for any suspension or termination of your Account in accordance with these Terms.

5. Payment and Fees

Order Placement and Pricing: When you purchase a Product on xgify.com, you agree to pay the price listed for that item (including any applicable taxes or fees). By placing an order, you authorize us (and our third-party payment processors) to charge your selected payment method for the total amount of your purchase. Prices for Products are displayed on the Site and are subject to change at any time. However, the price you agree to at checkout is the price that will be charged for that order. We will not change the price of a Product after you have completed your order.

Payment Methods and Processing: Payments must be made using one of the payment methods we make available (e.g. credit/debit cards, electronic wallets, bank transfer, or other online payment systems). All monetary transactions on xgify.com are processed by accredited third-party payment service providers. You must provide valid payment information and you represent that you are authorized to use the chosen payment method. You agree to abide by the terms and conditions of the relevant payment provider when using their services. xgify.com does not store your full payment card details on our systems (except possibly in tokenized form, or as necessary for the transaction); such sensitive information is handled by our payment processors. We are not responsible for any payment processing errors or fees imposed by your chosen payment provider or bank in connection with your purchase.

Role of xgify.com as a Platform: xgify.com acts as an intermediary platform that facilitates your purchase of digital gift certificates and top-up cards from third-party issuers or suppliers. This means that in most cases, xgify.com is not the original issuer or provider of the Product you buy; rather, your purchase is fulfilled by a third-party brand or service provider, with xgify.com arranging the transaction on your behalf. We may charge a commission or service fee for facilitating the transaction, which may be included in the price you pay or disclosed separately. This commission does not change the relationship between you and the third-party seller of the Product. The Company is not a party to the underlying contract between you and the Product’s issuer (unless explicitly stated for a particular item), and we do not assume liability for the quality, validity, or terms of use of the underlying Product beyond our obligation to deliver it to you. That said, we require our third-party suppliers to provide valid, legitimate Products, and if any issue arises (for example, if a code is invalid or not as described), we will make commercially reasonable efforts to assist you in resolving the issue with the supplier or otherwise support you as outlined in our policies.

Fraud Prevention and AML Compliance: We reserve the right to refuse, delay, or cancel any order or transaction if we suspect that it may be fraudulent, unauthorized, made in breach of these Terms, or otherwise illegal. This includes transactions that trigger our anti-fraud systems or our anti-money laundering/counter-terrorist financing (AML/CTF) controls. We may ask you for additional information or identification documents if necessary to verify the legitimacy of a payment or the identity of the purchaser (consistent with our AML/KYC Policy and as noted in the Account Registration section above). If we cancel an order because we suspect fraud or illegal activity, we will generally refund any payment received for that order, unless we are prohibited from doing so by law or are instructed otherwise by relevant authorities. We also reserve the right to report any suspicious activities or transactions to law enforcement or regulatory agencies as required by law.

6. Order Confirmation and Digital Delivery

Once your payment is successfully processed, your order will be confirmed and the Product will be delivered to you digitally. Confirmation of your purchase may be provided in multiple ways, including an on-screen notification/receipt at the end of the checkout process and/or a confirmation sent to the email address you provided at checkout.

Delivery of digital Products is usually carried out electronically and almost immediately after purchase. For example, the gift code or top-up voucher you purchased may be displayed directly on the website (e.g., on a confirmation page or a secure download page) and will typically also be sent to you via the email address you provided. While we strive to ensure instant or near-instant delivery, please note that occasional delays might occur due to technical issues or external factors beyond our control.

If you do not receive the digital Product you purchased within a reasonable time after order confirmation, you should contact us so we can assist you. We will make reasonable efforts to ensure you receive what you paid for, or provide support as needed in line with our policies and applicable law.

7. Privacy and Data Protection

We take your privacy seriously. Please refer to our Privacy Policy for information about how we collect, use, disclose, and protect your personal data. Our Privacy Policy (and our Cookie Policy, regarding use of cookies and similar technologies) is incorporated into these Terms by reference. By using the Services, you acknowledge that your personal information will be processed in accordance with our Privacy Policy and Cookie Policy.

xgify.com is committed to complying with applicable data protection laws, including the EU General Data Protection Regulation (GDPR) and relevant Estonian data protection laws. We will only collect and process your personal data as lawfully permitted, and only for the purposes described in our Privacy Policy. You may have certain rights under data protection laws (such as the right to access, correct, or delete your personal data, and other rights as set out in the GDPR), and our Privacy Policy explains how you can exercise those rights.

We implement commercially reasonable technical and organizational measures to safeguard your personal information against unauthorized access, loss, or alteration. However, you understand that no method of transmitting or storing data is completely secure. Therefore, while we strive to protect your personal data, we cannot guarantee its absolute security. You acknowledge and accept that any information you send to us or store with us through the Services is at your own risk. If we become aware of a data breach that affects the security of your personal information, we will notify you and any applicable authorities as required by law.

8. Disclaimer of Warranties

To the maximum extent permitted by law, the Services and all Content on the Site are provided on an “as is” and “as available” basis, without any guarantee or warranty of any kind, whether express, implied, or statutory. The Company expressly disclaims all warranties and conditions, express or implied, including but not limited to implied warranties of title, non-infringement, merchantability, satisfactory quality, and fitness for a particular purpose.

While we strive to provide a useful and reliable service, we do not warrant or guarantee that the Services will always function without disruptions, delays, or errors. In particular, we make no warranty that:

• The Services will be uninterrupted, timely, secure, or error-free at all times.
• Any information or Content obtained through the Services will be accurate, complete, or reliable.
• The Services will meet your expectations or requirements.

You understand and agree that your use of the Services is at your own risk. Any material or content downloaded or otherwise obtained through the use of the Services is accessed at your own discretion and risk, and you are solely responsible for any damage to your computer system or loss of data that results from the download or use of any such material. Except to the extent required by law, we make no commitments or warranties regarding the availability, performance, or security of the Services, or the accuracy of any results or information obtained through the Services.

9. Limitation of Liability

Nothing in these Terms is intended to exclude or limit any liability which cannot be excluded or limited by law. In particular, we do not exclude or limit our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be lawfully excluded.

Subject to the above paragraph, to the fullest extent permitted by applicable law, GalaxyGrip OÜ (operating xgify.com) and its officers, directors, employees, agents, and affiliates will not be liable for any indirect, incidental, consequential, special, or punitive damages of any kind, nor for any loss of profits, revenue, business, goodwill, data, or other intangible losses, arising out of or in connection with your access to, use of, or inability to use the Services or any Content, even if we have been advised of the possibility of such damages.

Additionally, to the extent permitted by law, if you incur any loss or damage that is not excluded above (for example, direct damages), the total aggregate liability of the Company and its affiliates to you for all claims arising out of or related to the Services or these Terms will not exceed the amount (if any) you paid to the Company for the specific Product or Service that gave rise to the claim. If you have not paid the Company for any Product or Service (for instance, if you only browsed the Site without making a purchase), the Company’s total liability to you for any claim will be zero.

You acknowledge that the Company would not provide the Services to you without the disclaimers and liability limitations set forth above. These limitations of liability are an essential basis of the bargain between you and us, and they apply to all causes of action, whether in contract, tort, statute, or otherwise.

Furthermore, we will not be responsible for any failure to perform, or delay in performing, any of our obligations under these Terms if such failure or delay is caused by circumstances beyond our reasonable control. Such force majeure events include (but are not limited to) natural disasters, acts of God, fire, flood, epidemics or pandemics, war, terrorism, civil disturbances, strikes or other labor disputes, failures of telecommunications or the internet, and actions of governmental authorities. In any such event, our obligations under these Terms will be suspended for the duration of the event, and we will be granted an extension of time for performance equal to the period of delay.

10. Indemnification

You agree to indemnify, defend, and hold harmless GalaxyGrip OÜ (the operator of xgify.com), and its officers, directors, employees, agents, and affiliates, from and against any and all claims, demands, suits, proceedings, liabilities, damages, losses, judgments, awards, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your breach or alleged breach of any provision of these Terms;
• Your use or misuse of the Services;
• Your violation of any law or regulation in connection with your use of the Services; or
• Your infringement of any rights of a third party, including any intellectual property rights or privacy rights.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In such a case, you agree to cooperate fully with us in the defense of that matter and in asserting any available defenses. This indemnification obligation will survive any termination of your Account or these Terms.

11. Termination

We reserve the right to suspend or terminate your access to the Services at our sole discretion, at any time, and for any reason, with or without prior notice. This includes the right to deactivate or delete your Account (if you have registered one) and/or to prevent you from accessing the Services in the future. Common reasons for suspension or termination include, but are not limited to:

• Your breach of any provision of these Terms or of any other policies incorporated into these Terms;
• Your violation of any applicable law or regulation in connection with your use of the Services; or
• Conduct that we determine, in our sole discretion, to be harmful to our interests, the interests of other users, or the interests of third parties or the public.

When feasible, we will attempt to notify you of any violations and give you an opportunity to remedy them before terminating or suspending your access. However, in cases of serious or repeated violations, we may suspend or terminate your access to the Services immediately and without prior notice.

You are free to stop using the Services at any time. If you have created an Account and wish to terminate this agreement or delete your Account, you may do so at any time by using any account deletion function provided on the Site (if available) or by contacting us with a request to delete your Account. We will process such requests in accordance with our Privacy Policy and applicable laws.

Termination of your Account will result in deactivation or deletion of the Account and the removal of your access to your Account data and the Services.

Effects of Termination: Upon any termination of this agreement between you and us (whether initiated by you or by us), all rights and licenses granted to you under these Terms will immediately cease. However, any provisions of these Terms that by their nature should survive termination shall survive and remain in effect. This includes, for example, provisions relating to Ownership and Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law, and any payment obligations incurred prior to termination. Termination does not relieve you of any obligation to pay any fees or costs accrued before the termination, and it does not excuse you from liability for any breaches of these Terms that occurred prior to termination.

12. Modifications to Terms

We may amend or update these Terms from time to time at our sole discretion. If we make any material changes, we will post the revised Terms on the Site and update the “Last Updated” or “Effective Date” noted at the top of the Terms. Unless otherwise required by law, any modifications to these Terms will become effective immediately upon being posted on the Site. It is your responsibility to review the Terms periodically for any changes.

If you continue to use the Services after the updated Terms are posted, you will be deemed to have accepted the changes. If you do not agree with any amendment to the Terms, you must stop using the Services. For significant changes, we may (at our discretion) also provide additional notice to you, such as via email notification or a prominent announcement on our website; however, we are not obligated to provide such notice, so we encourage you to check the Terms regularly for any updates.

13. Governing Law and Dispute Resolution

These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with these Terms or your use of the Services shall be governed by and construed in accordance with the laws of the Republic of Estonia, without regard to its conflict of law principles. However, if you are a consumer residing in a member state of the European Union, you will not be deprived of any mandatory consumer protections under the laws of your country of residence; nothing in these Terms affects your rights as a consumer to rely on such mandatory local laws.

In the event of any controversy or dispute between you and the Company arising out of or in connection with your use of the Services or these Terms, we strongly encourage you to first seek to resolve the matter informally by contacting our customer support. You can reach out to us with your questions or complaints using the contact information provided in these Terms. We will attempt in good faith to resolve the dispute informally and promptly.

If we are unable to resolve a dispute informally, then (subject to the above provision regarding EU consumer rights) you and the Company agree that any dispute arising under these Terms or relating to your use of the Services shall be brought exclusively in the courts of Estonia. By using the Services and agreeing to these Terms, you consent to the personal jurisdiction of the courts of Estonia for the purpose of litigating any such dispute. Notwithstanding the foregoing, if applicable law in your country of residence gives you the right to bring an action in your local courts or through other dispute resolution mechanisms (such as small claims court or an alternative dispute resolution body), this section does not waive any of those rights, and you may exercise them as permitted by law.

14. Miscellaneous

Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severed from these Terms and the remaining provisions shall remain in full force and effect. In such a case, the invalid or unenforceable provision shall be interpreted (or replaced) in a manner that best reflects the original intent of the provision, to the extent permitted by law.

Entire Agreement: These Terms, together with any policies or documents expressly incorporated by reference (including our Privacy Policy, Cookie Policy, Refund Policy, and AML/KYC Policy), constitute the entire agreement between you and the Company regarding your access to and use of the Services. This agreement supersedes any prior or contemporaneous understandings, agreements, or communications (whether oral or written) between you and us relating to the subject matter hereof.

No Waiver: The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of the Company. If we do waive a default or breach of these Terms on one occasion, that waiver does not imply that we will waive any future default or breach.

Language: These Terms may be provided in languages other than English for convenience. However, the authoritative text of these Terms is the English version. In the event of any inconsistency or ambiguity between the English version and a translated version, the English version shall prevail. You acknowledge that you have read and understood these Terms in English (or have had them translated for you) before using the Services.

Acknowledgment: By accessing or using the Services, you acknowledge that you have read these Terms, understand them, and agree to be legally bound by them. These Terms form a binding agreement between you and GalaxyGrip OÜ.

15. Contact Information

If you have any questions, complaints, or inquiries regarding these Terms or the Services, please contact us using the information below:

• Company Name: GalaxyGrip OÜ
• Registration Number: 16776100
• Registered Address: Harju maakond, Tallinn, Lasnamäe linnaosa, Katusepapi tn 6-502, 11412, Estonia
• Website: https://xgify.com
• Email: [email protected]