{"title":"Service Policy","details":"<div>\n    <h4>Virtual Card Service Usage<\/h4>\n    <p>By signing up and accessing our platform, you agree to abide by the Terms and Conditions specified in this document. You are responsible for ensuring that your use of the virtual card service complies with all applicable laws, regulations, and standards in your jurisdiction. The virtual card provided by our platform is strictly for lawful online payments, and any attempt to misuse or abuse the card service, including fraudulent activities or violations of local or international laws, may lead to account suspension or termination. Our service aims to provide a secure and reliable payment method for online transactions, and we reserve the right to modify these terms as necessary to protect the integrity of the platform and its users.<\/p>\n<\/div>\n<br \/>\n<div>\n    <h4>Creating and Funding Virtual Cards<\/h4>\n    <p>Once you have completed the account registration process and verified your identity, you will be eligible to create a virtual card. The creation process involves generating a unique card that can be used for online payments. After creating the virtual card, you will need to fund it in order to make transactions. The amount you fund will determine the available balance on the card. Our platform supports a variety of payment methods for adding funds, such as bank transfers, credit cards, and other online payment options. Once the funds are added, the balance will be available for immediate use. The spending limit for your virtual card will be set to match the available balance, allowing you to manage your funds efficiently. Please ensure that the funds you add are in your account before making any purchases, as transactions will be declined if there are insufficient funds.<\/p>\n<\/div>\n<br \/>\n<div>\n    <h4>Card Payment Transactions<\/h4>\n    <p>When you make a payment using the virtual card, the platform will process the transaction through a secure and encrypted gateway. Payments can be made on any third-party websites or platforms that accept card payments. Once the payment is authorized, the corresponding amount will be deducted from your card balance in real time. This deduction will be reflected immediately in your account\u2019s transaction history. In case of unsuccessful transactions or insufficient funds, you will be notified promptly, and the transaction will not be processed. Please note that we do not store your full card details on our platform; all payment information is securely processed and handled by our trusted payment processor, ensuring the highest level of security for your data. Any issues related to online purchases should be addressed directly with the merchant or platform where the transaction took place.<\/p>\n<\/div>\n<br \/>\n<div>\n    <h4>Balance Monitoring and Updates<\/h4>\n    <p>Your virtual card balance will be updated in real time as soon as a transaction is processed. You can view your current card balance and transaction history at any time via your user dashboard. This will help you keep track of your available funds, ensuring you are aware of your balance before making additional payments. If you need to increase your card\u2019s balance, you can easily top up your account using any of the available funding methods. We also provide notifications via email or in-app alerts when your balance is low or when a significant transaction has occurred. The system will automatically adjust the card\u2019s spending limit based on the funds available, ensuring that your virtual card is always ready for secure payments.<\/p>\n<\/div>\n<br \/>\n<div>\n    <h4>Security and Fraud Prevention<\/h4>\n    <p>Our platform takes security seriously and implements industry-leading measures to protect your data and prevent fraudulent activity. All transactions made with the virtual card are monitored for suspicious behavior. We utilize advanced fraud detection systems to identify any unusual activity. If we detect any suspicious transaction, we may temporarily freeze your card and notify you via email or other contact methods. If fraud is confirmed, we will take immediate action to disable your card and prevent further unauthorized transactions. Additionally, we recommend that you keep your account login credentials secure and change your password regularly. If you suspect any unauthorized activity on your account or card, please contact our support team immediately for assistance. We also encourage users to enable two-factor authentication (2FA) for an added layer of security.<\/p>\n<\/div>\n<br \/>\n<div>\n    <h4>Refund and Dispute Policy<\/h4>\n    <p>Refunds for transactions made with the virtual card are not directly handled by our platform. Any refund requests must be made through the merchant or service provider with whom you made the purchase. We do not have control over third-party merchant refund policies, and the processing of refunds depends on the individual merchant\u2019s policies. If you encounter an issue with a purchase, such as receiving incorrect goods or services, we recommend reaching out to the merchant directly to resolve the issue. In the event of a chargeback or dispute, you must notify us promptly so that we can assist with gathering transaction details and submitting necessary information. Please note that we do not support chargebacks or disputes initiated by the user after a payment has been processed. Fraudulent chargebacks may result in the suspension of your account.<\/p>\n<\/div>\n<br \/>\n<div>\n    <h4>Suspension and Termination of Service<\/h4>\n    <p>We reserve the right to suspend or terminate your virtual card account in cases of suspicious activity, fraud, or violation of our Terms of Service. If your account is suspended or terminated, you will be notified, and you may be required to resolve any outstanding issues before regaining access. Reasons for suspension may include, but are not limited to, violation of local or international laws, failure to follow the platform's guidelines, or engagement in fraudulent activities. If your account is permanently terminated due to violations, you will lose access to any remaining funds in your virtual card, and no refunds will be issued. You may appeal the suspension or termination by contacting our support team, but we reserve the final right to determine the resolution of the issue.<\/p>\n<\/div>\n<br \/>\n<div>\n    <h4>Limitation of Liability<\/h4>\n    <p>Our platform strives to provide the best service possible, but we are not liable for any damages or losses incurred due to the use of the virtual card. This includes direct, indirect, incidental, or consequential damages arising from issues such as unauthorized transactions, system downtimes, or service interruptions. We do not guarantee that the virtual card service will be uninterrupted, secure, or free from errors. You agree to use the service at your own risk, and we disclaim any warranties, express or implied, regarding the performance or reliability of the service. In cases where legal responsibility cannot be excluded, our liability will be limited to the total amount of funds held in your account at the time of the incident, except in cases of gross negligence or willful misconduct.<\/p>\n<\/div>\n<br \/>\n<div>\n    <h4>Contact and Support<\/h4>\n    <p>If you have any questions, concerns, or need assistance with your virtual card service, our support team is available to help. You can reach us through email at <strong>support@ovopay.com<\/strong>, or by using our contact form on the platform. We are committed to providing timely and helpful support to ensure your experience with our virtual card service is smooth and satisfactory. If you need assistance with troubleshooting, funding your account, or resolving payment issues, please do not hesitate to contact us. Our support team is available during business hours and will respond as quickly as possible.<\/p>\n<\/div>\n<br \/>"}