1. Introduction and Scope of the Policy

1.1 This Policy sets out the rules and conditions governing payments and financial transactions associated with purchases or the use of services through Altifl.com (the “Platform” or “Altifl”).

1.2 The Platform is operated by MUBDIE LLC, a company formed and registered in the State of Wyoming, United States of America (the “Company”), which acts as the owner and operator of the Altifl Platform and may, in certain transactions, act as a direct seller or service provider depending on the nature of the transaction.

1.3 Altifl operates as a multi-vendor online marketplace that allows independent sellers to list and sell their products to buyers. Accordingly, the nature of the financial and contractual relationship may differ depending on whether the product is provided by the Company or by an independent seller.

1.4 This Policy applies to all payments and financial transactions made through the Platform, including order payments, partial or mixed payments, wallet balances, refunds, cancellations, settlements, fees, and any other financial transactions permitted by the Platform.

1.5 This Policy is not limited to any specific payment provider, bank, or card network. The Company may add, change, suspend, or remove any payment provider or payment method based on operational availability and technical, legal, regulatory, and commercial requirements.

1.6 The Platform does not sell products to minors, and a minor may not create an account or independently make a purchase. Purchases are limited to adults who are legally competent to enter into contracts, including purchases of products intended for children.

2. Definitions

2.1 “Customer” or “Buyer” means the user who purchases a product or service through the Platform, whether the product is provided by the Company or by an independent seller.

2.2 “Seller” means any individual, institution, company, or independent entity that uses the Platform to list and sell products or services in accordance with the Seller Agreement and applicable policies.

2.3 “Payment Provider” means any bank, financial institution, fintech company, payment gateway, payment processor, card network, digital wallet provider, or other third party involved in the processing, authorization, settlement, transfer, or verification of financial transactions.

2.4 “Payment Method” means any method accepted by the Platform for payment of an order or any amount due, including bank cards, credit cards, debit cards, prepaid cards, digital wallets, bank transfers, Altifl Wallet balance, and any other available method.

2.5 “Wallet” means the electronic balance associated with a user’s account within the Platform and governed by the Wallet Policy.

2.6 “Mixed Payment” means the use of Wallet balance, in whole or in part, together with another Payment Method to complete the value of a single transaction.

2.7 “Transaction” means any payment, authorization, charge, settlement, cancellation, refund, transfer, or financial adjustment associated with the use of the Platform.

3. Available Payment Methods

3.1 The Platform may make one or more Payment Methods available depending on the country, currency, product, seller, order value, nature of the transaction, and requirements of Payment Providers.

3.2 Payment Methods may include credit cards, debit cards, prepaid cards, digital wallets, bank transfers, Altifl Wallet balance, and any other electronic payment method accepted by the Platform.

3.3 The Company does not guarantee the availability of all Payment Methods for every user, country, product, or transaction.

3.4 The Company may restrict, suspend, or discontinue a particular Payment Method temporarily or permanently when necessary for technical, security, regulatory, or commercial reasons or due to requirements imposed by a Payment Provider.

3.5 The Payment Methods actually displayed to the user at checkout are the methods available for the specific transaction. The appearance of a Payment Method in a previous transaction does not create a right to its continued availability in subsequent transactions.

4. Payment Service Providers

4.1 The Company may use independent Payment Service Providers to process, verify, authorize, settle, or manage risks associated with payments.

4.2 Services provided by each Payment Provider are subject to its own terms, policies, and procedures, including verification, fraud prevention, dispute resolution, and usage limitations.

4.3 The Company’s use of a particular Payment Provider does not mean that such provider is the sole or permanent payment method available on the Platform.

4.4 The Company may change Payment Providers or the infrastructure used to process transactions without requiring a material change to the user experience, provided that such change does not diminish the user’s legal rights.

4.5 The Company is not responsible for delays, interruptions, or declines directly resulting from the systems of a bank, Payment Provider, card network, or independent financial institution where the cause is beyond the Company’s reasonable control.

5. Payment Authorization and Completion of the Transaction

5.1 When submitting a purchase order and selecting a Payment Method, the Customer authorizes the selected Payment Method to process the amount due according to the transaction details.

5.2 The mere submission of payment information or the appearance of a transaction as pending does not constitute final evidence that the order has been accepted or that settlement has been completed.

5.3 Acceptance of an order is subject to successful payment processing, product availability, inventory status, verification and security procedures, and any legal or operational requirements applicable to the transaction.

5.4 A bank or Payment Provider may create an authorization or temporary hold on the amount before the final charge or settlement is completed.

5.5 The Company does not directly control the time required by a bank or Payment Provider to release a hold, complete settlement, or return an amount.

6. Mixed Payment Using the Wallet

6.1 The Platform may allow users to use their Altifl Wallet balance to pay part of an order, with the remaining balance paid using another available Payment Method.

6.2 Use of the Wallet is subject to the eligibility requirements, limits, and restrictions set forth in the Wallet Policy.

6.3 The Platform does not guarantee the availability of Mixed Payment for all products, orders, sellers, currencies, or Payment Methods.

6.4 When Mixed Payment is used, the portion paid from the Wallet and the portion paid through the external Payment Method are recorded in accordance with the Platform’s financial records.

6.5 If a transaction paid through Mixed Payment is cancelled or refunded, the refunded amount may be allocated to the original payment sources or to the Wallet according to the nature of the transaction, applicable policies, and applicable law.

6.6 Mixed Payment shall not be interpreted as granting the user a right to select a refund method different from the method permitted by applicable laws, policies, and the nature of the transaction.

7. Identity Verification and Transaction Security

7.1 The Company, Payment Provider, or any authorized party may conduct additional verification procedures before or during the processing of a transaction.

7.2 Verification procedures may include account information, billing address, delivery address, Payment Method, user identity, or additional information associated with the transaction.

7.3 Additional information or documentation may be requested when necessary to comply with legal or regulatory requirements, manage fraud risks, or protect the Platform and its users.

7.4 A transaction may be suspended or declined until the required verification is completed.

7.5 Users may not provide false information or use payment or account information that they do not have the legal right to use.

8. Fraud Prevention and Unauthorized Transactions

8.1 The Company may use technical and operational tools and procedures to detect and mitigate fraudulent, unusual, or high-risk activities.

8.2 The use of the Platform to conduct fraudulent or fictitious transactions or transactions using stolen or unauthorized Payment Methods is prohibited.

8.3 The use of the Platform to circumvent financial or regulatory restrictions, fraud prevention systems, or any applicable legal requirements is prohibited.

8.4 The Company may suspend, cancel, or restrict a transaction or account where there are reasonable grounds to suspect fraud or misuse of a Payment Method, while taking actions permitted by law.

8.5 The Company may cooperate with Payment Providers, financial institutions, and competent authorities when required or permitted by law.

9. Payments Relating to Independent Sellers

9.1 Purchases of products from independent sellers may be processed through the Platform’s approved financial infrastructure or through another payment mechanism adopted by the Company.

9.2 The fact that the Platform processes, presents, or collects a payment does not automatically mean that the Company has become the seller, manufacturer, or importer of the product.

9.3 The nature of the relationship between the Customer and the Seller is determined according to the transaction, the Seller Agreement, the Terms and Conditions, and applicable law.

9.4 Platform commissions, service fees, and financial settlements relating to sellers are governed by the Seller Agreement and the applicable commercial program.

9.5 The Platform may deduct, settle, or hold amounts owed by or relating to disputes, refunds, fees, or corrective transactions from Seller balances to the extent permitted by the agreement and applicable law.

10. Fees and Commissions

10.1 The total order amount may include the value of products, shipping fees, taxes, and other disclosed fees or services, where applicable.

10.2 Banks, Payment Providers, or financial institutions associated with the user may charge separate fees, such as currency conversion fees, international transaction fees, or banking fees.

10.3 Fees imposed by an independent financial party are not considered Platform fees unless expressly stated otherwise.

10.4 For transactions subject to a Platform commission, the rate or fee specified in the Seller Agreement or the applicable commercial program shall apply and may vary depending on the category, product, or specific agreement.

10.5 Nothing in this Policy shall be interpreted as authorizing the imposition of any fee prohibited by the law applicable to the transaction.

11. Currencies and Exchange Rates

11.1 The Platform may display prices in different currencies depending on the Platform settings, user’s country, product, seller, and available Payment Method.

11.2 The currency in which a price is displayed may differ from the currency in which final settlement is processed by the bank or Payment Provider.

11.3 When a card or account is denominated in a currency different from the transaction currency, the bank or Payment Provider may apply its own exchange rate.

11.4 The Company is not responsible for exchange-rate differences or fees imposed by the user’s bank or Payment Provider where such fees or differences result from the services of an independent financial party.

12. Taxes and Government Charges

12.1 Transactions may be subject to taxes, fees, customs duties, or import costs depending on the Customer’s country, delivery location, nature of the product, and applicable law.

12.2 Certain taxes or fees may be calculated and displayed during checkout when required or technically available.

12.3 Displaying a price on the Platform does not mean that all taxes, government charges, or import costs are included unless expressly disclosed.

12.4 The Customer is responsible for any taxes, fees, or customs duties legally imposed in the destination country where such amounts are not included in the total order amount.

13. Payment Failure and Transaction Decline

13.1 A payment may be declined due to insufficient funds, exceeded limits, mismatched payment information, security or fraud prevention requirements, or technical or regulatory reasons.

13.2 The Company may be unable to disclose the detailed reason for a transaction decline if the reason originates from a bank, Payment Provider, fraud prevention system, or if disclosure is prohibited.

13.3 If a payment fails, the Platform may suspend or cancel the order or require the Customer to use an alternative Payment Method.

13.4 The Company does not guarantee that an attempt to pay using an alternative Payment Method will result in acceptance of the order.

14. Charging Errors and Duplicate Transactions

14.1 If an amount is charged more than once due to a technical error or duplicate processing of a transaction, the Company will seek to verify its records and address the error in accordance with its procedures and those of the Payment Provider.

14.2 More than one authorization or temporary hold may appear for the same transaction without necessarily meaning that the amount has been finally charged more than once.

14.3 The time required to release authorizations or process duplicate transactions depends on the bank or Payment Provider and may not be under the Company’s direct control.

14.4 The Customer must report any unrecognized or duplicate charge through the official support channels and should avoid sending full card details or security codes.

15. Cancellations and Refunds

15.1 Order cancellations are subject to the Order Cancellation Policy, while returns, exchanges, and refunds are subject to the Returns, Exchanges and Refund Policy.

15.2 Submitting a cancellation or refund request does not automatically entitle the Customer to receive a refund. The request is subject to review in accordance with the applicable policy and applicable law.

15.3 Once a refund is approved, the refund method is determined according to the original payment source, nature of the transaction, technical limitations, applicable policies, and applicable law.

15.4 The amount due may be credited to the Altifl Wallet where permitted and appropriate for the transaction, in accordance with the Wallet Policy.

15.5 Where a refund to the original Payment Method is required by law or the terms of the transaction, the refund will be processed through the mechanism available through the relevant Payment Provider.

15.6 The Company is not responsible for delays caused by a bank or Payment Provider in displaying the refunded amount in the Customer’s account after the Platform has issued the refund.

16. Wallet-Related Refunds

16.1 Where an amount is approved for refund to the Altifl Wallet, the resulting balance is subject to all provisions of the Wallet Policy.

16.2 The appearance of a temporary amount in the Wallet does not constitute final evidence of entitlement where such amount results from a technical or accounting error, an incomplete transaction, or a duplicate refund.

16.3 The Company may correct or reverse any balance added in error or resulting from a cancelled or refunded transaction or fraudulent activity, to the extent permitted by law.

16.4 The Wallet is not a bank account, bank deposit, or bank payment account, and no right to interest or returns arises from the balance, as detailed in the Wallet Policy.

17. Banking Disputes and Chargebacks

17.1 If a Customer disputes a transaction with their bank, card issuer, or Payment Provider, a dispute or chargeback procedure may be initiated in accordance with the rules of the relevant financial institution or payment network.

17.2 The Company may provide records and documentation relating to the order, payment, shipping, delivery, and communications to the Payment Provider or financial institution when necessary to respond to a dispute or protect the rights of the Company, Seller, or Customer.

17.3 The Company encourages Customers to contact the Platform first when a transaction-related issue arises, without preventing them from exercising any legal right or any right provided by their Payment Provider or bank.

17.4 If a dispute or claim is determined to result from fraud, intentional misuse, or the submission of a false claim, the Company may take actions permitted by law, including restricting the account or suspending future transactions.

17.5 Nothing in this Policy shall be interpreted as preventing a user from exercising any non-waivable rights under applicable law or the rules of a Payment Provider.

18. Geographic and Regulatory Restrictions

18.1 Certain Payment Methods, products, or transactions may be unavailable in specific countries or regions due to laws, sanctions, regulatory restrictions, or Payment Provider requirements.

18.2 The Company may reject or restrict a transaction where completing it could result in a violation of any law, sanction, or regulatory requirement applicable to the Company or its service providers.

18.3 The Company does not guarantee acceptance of a transaction merely because a Payment Method is theoretically available in the Customer’s country.

18.4 The Platform may take additional measures to verify the Customer’s location, user identity, or source of payment where necessary for compliance or risk management.

19. Payment Data Protection and Privacy

19.1 Personal and financial data associated with payments is processed in accordance with the Privacy Policy and to the extent necessary to complete the transaction, protect the Platform, and comply with applicable law.

19.2 Payment data may be processed directly by the Payment Provider rather than storing full card details on the Company’s systems, depending on the technology used for the transaction.

19.3 Information necessary to complete the transaction may be shared with the Payment Provider, Seller, shipping company, technical service providers, or competent authorities to the extent legally permitted and necessary for the specified purpose.

19.4 Users should not send full card numbers, security codes, passwords, or confidential verification codes through email or support messages.

20. Invoices and Proof of Payment

20.1 The Platform may provide the Customer with an electronic order confirmation, receipt, invoice, or transaction record depending on the nature of the purchase and the system used.

20.2 The sending of an electronic notification or the appearance of an order in the account does not constitute final evidence that settlement has been completed if the transaction remains subject to verification or processing.

20.3 The Customer should retain payment notifications, invoices, and communications relating to the transaction when proof of the transaction or submission of a complaint may be required.

21. Pricing Errors and Order Value

21.1 Technical or human errors may occur in displaying prices or calculating taxes, shipping fees, or the total order value.

21.2 If a material error is discovered before the transaction is completed, the Company or Seller may correct the error or cancel the order in accordance with applicable law and policies.

21.3 If an amount has been collected as a result of a system error, the correction or refund will be processed according to the nature of the error, financial records, and applicable procedures.

22. Limitation of the Company’s Liability for Payment Operations

22.1 The Company makes reasonable efforts to maintain the availability of approved Payment Methods but does not guarantee that all payment systems will operate without interruption or errors.

22.2 The Company is not responsible for failures or delays directly resulting from a bank, Payment Provider, card network, financial institution, or third party outside the Company’s reasonable control.

22.3 The Company is not responsible for fees, exchange-rate differences, or restrictions imposed by the Customer’s bank or Payment Provider.

22.4 Nothing in this Policy limits any rights or remedies that may not be excluded or restricted under applicable law.

23. Relationship with Other Platform Policies

23.1 This Policy shall be read together with the other legal documents and policies published on Altifl, particularly:

23.1.1 Terms and Conditions.

23.1.2 Privacy Policy.

23.1.3 Seller Agreement.

23.1.4 Wallet Policy.

23.1.5 Returns, Exchanges and Refund Policy.

23.1.6 Order Cancellation Policy.

23.1.7 Complaints and Dispute Resolution Policy.

23.2 If a conflict arises between this Policy and another document, the document specifically governing the subject matter of the conflict shall apply, while taking into account the Terms and Conditions as the general contractual framework and without excluding any mandatory legal right.

23.3 Matters relating to the Wallet and user balances are governed by the Wallet Policy, matters relating to returns and refunds are governed by the Returns, Exchanges and Refund Policy, and matters relating to order cancellations are governed by the Order Cancellation Policy.

24. Applicable Law and Mandatory Rights

24.1 This Policy is subject to and shall be interpreted within the framework of the law applicable to the relationship and transaction, as determined by the Terms and Conditions and without prejudice to any mandatory legal provisions applicable to the transaction.

24.2 This Policy is not intended to exclude or restrict any right, protection, or remedy provided by law to the user that may not be contractually excluded.

24.3 If any provision of this Policy becomes invalid or unenforceable in a particular legal jurisdiction, the remaining provisions shall remain effective to the extent permitted by law.

25. Amendments to the Policy and Payment Methods

25.1 The Company may add, change, suspend, or discontinue Payment Methods or Payment Service Providers according to the needs of the Platform and technical, legal, and regulatory requirements.

25.2 The Company may update this Policy from time to time to reflect legal, technical, operational, commercial, or payment service developments and changes.

25.3 The updated version will be published on this page with the date of the latest update.

25.4 Continued use of the Platform after updates are published constitutes acceptance of the amendments to the extent permitted by law, subject to any legal rights that may not be waived.

26. Contact Regarding Payments

26.1 Users may contact the Altifl Support Team regarding payments, unrecognized transactions, or issues relating to refunds or cancellations through the official contact channels available on the Platform.

26.2 When contacting the Platform regarding a financial transaction, the user should provide the order number or transaction number and the information necessary to verify its status.

26.3 Full card details, security codes, passwords, or confidential verification codes should not be sent through support channels.

26.4 The Company may request additional reasonable information to verify the identity of the account holder or transaction in accordance with applicable security and privacy procedures.