1. Introduction and Scope of the Policy

1.1
This Policy sets out the rules and conditions governing the creation, use, and management of balances associated with the electronic wallet on Altifl.com (the “Platform” or “Altifl”), a multi-vendor e-commerce marketplace owned and operated by MUBDIE LLC, a company incorporated and registered in the State of Wyoming, United States of America (the “Company”).

1.2
This Policy forms part of the Platform’s legal and contractual framework and shall be read and interpreted together with the Terms and Conditions, Payment Policy, Refund and Return Policy, Order Cancellation Policy, Seller Agreement, Privacy Policy,
and other policies published on the Platform as applicable to the nature of the transaction.

1.3
The Wallet is not a bank account, savings account, checking account, banking service, or investment instrument, and does not by itself create a banking, credit, or financial agency relationship between the user and the Company.

1.4
The Wallet is primarily intended to enable eligible users to use balances permitted by the Platform for purchases and services available within Altifl, subject to the source of the balance, its applicable terms and restrictions, and applicable law.

1.5
No provision of this Policy shall be construed as establishing a money transfer service between persons, an independent financial service separate from the Platform’s business activities, or authorization for a user to sell, trade, or transfer Wallet balances outside the Platform.

2. Definition of the Wallet and Balances

2.1
“Wallet” means the electronic system associated with a user’s account on Altifl that allows certain types of balances to be recorded, displayed, and managed for use in eligible transactions.

2.2
“Balance” means the electronic value recorded in the Wallet that may be used according to its source, terms of issuance, and this Policy.

2.3
The nature of a balance and the rights associated with its use may vary depending on its source, including a balance resulting from an eligible refund, a Wallet funding balance if made available by the Platform, a promotional balance, reward, referral balance, gift voucher, or any other type adopted by the Platform.

2.4
The appearance of an amount in the Wallet interface does not by itself establish a final right to retain such amount if it is determined that the amount resulted from a technical or accounting error, duplicate transaction, canceled transaction, fraudulent transaction, incomplete transaction, or an amount to which the user was not entitled.

3. Eligibility to Use the Wallet

3.1
To use the Wallet, the user must have a valid account on the Platform and be eligible to use e-commerce services in accordance with the
Terms and Conditions
and the
Child Safety and Minor Protection Policy.

3.2
Altifl is intended for adults, and minors may not create accounts, use the Wallet, or independently make purchases through the Platform. Parents, guardians, or other eligible adults may purchase products intended for children in accordance with applicable policies and laws.

3.3
Account information must be accurate and up to date, and the Platform may request additional information to verify an account or transaction when necessary for security, legal, or anti-fraud purposes.

3.4
The Platform may refuse, suspend, or restrict the creation or use of the Wallet when necessary to protect users, the Platform, sellers, payment providers, or to comply with applicable law.

4. Sources of Wallet Balances

4.1
A balance may be added to the Wallet as a result of an eligible refund in accordance with the
Refund and Return Policy.

4.2
The Platform may grant promotional balances, rewards, referral balances, compensation, or marketing benefits in accordance with the terms of the relevant programs or campaigns.

4.3
The Platform may make certain methods available for funding the Wallet if this functionality is available to the user and for the relevant country, currency, and transaction. In such cases, the funding process shall be subject to the Payment Policy
and the terms of the payment method and its provider.

4.4
An amount shall not be considered a final balance if it is subject to verification, settlement, review, or if its appearance resulted from an error or incomplete processing.

4.5
The Platform may correct or reverse any balance that was added incorrectly or unlawfully, subject to the rights and obligations imposed by applicable law.

5. Wallet Funding and Balance Top-Ups

5.1
If the Platform allows users to add funds or value to the Wallet through an external payment method, the top-up shall constitute a payment transaction subject to the
Payment Policy,
the terms of the payment provider, and applicable laws.

5.2
The Platform does not guarantee that the Wallet top-up feature will be available to all users, countries, currencies, or payment methods, and may restrict, suspend, or modify it in accordance with legal, operational, or security requirements.

5.3
The user may not use the Wallet or the top-up process to create fictitious balances, conduct sham transactions, circumvent payment limits, refunds, promotions, or anti-fraud systems.

5.4
Top-up transactions may be subject to minimum or maximum limits, verification requirements, geographic restrictions, or other restrictions displayed to the user during the transaction.

5.5
A Wallet balance funded through an external payment method does not, merely by being added to the account, constitute a general right to withdraw or transfer such balance to another user or external account, unless the Platform expressly provides a different functionality and its use is legally permitted.

6. Payments Using the Wallet

6.1
The user may use the available Wallet balance to pay for products or services for which the Platform permits Wallet payments.

6.2
The system may allow the balance to be used in full or in part depending on the order value, available balance, Platform settings, and the eligibility of the products and sellers.

6.3
If the Wallet balance is insufficient to cover the amount due, the system may allow the user to pay the difference using another available payment method.

6.4
The Platform may exclude certain products, services, or transactions from Wallet use due to the nature of the product, seller, payment method, or applicable legal or operational restrictions.

6.5
The use of the Wallet to purchase a product from an independent seller does not create a banking, agency, or partnership relationship between the user and the seller or between the seller and the Company. The responsibilities of the parties shall remain subject to the Seller Agreement,
the Terms and Conditions,
and the relevant policies.

7. Split Payments

7.1
Where the functionality is available, the Platform may allow the Wallet balance to be used together with one or more external payment methods to cover the total value of an order.

7.2
When an order includes more than one source of funding, each portion of the transaction shall be recorded according to the Platform’s electronic records, and the method for processing any cancellation or refund shall be determined according to the source of the amount, the nature of the transaction, and the rules set out in the Refund and Return Policy
and the Order Cancellation Policy.

7.3
The user shall not be entitled to select a refund method in a manner that results in receiving value greater than the amount due or obtaining a refund of the same portion of the transaction twice.

7.4
The Platform may determine the order in which payment sources are used or how the refund is allocated among them according to the transaction system and applicable law.

8. Refunds to the Wallet

8.1
When a user becomes entitled to a refund in accordance with the Refund and Return Policy, returning the amount to the Wallet shall be the approved refund mechanism within the Platform where permitted by applicable law and the nature and terms of the transaction, without prejudice to any mandatory legal right of the user to receive the refund to the original payment method or another method required by applicable law.

8.2
The appearance of an amount in the Wallet does not mean that the refund has been approved without review; rather, the balance must result from a valid and authorized refund decision or processing.

8.3
Refund eligibility, amount, applicable deductions or fees, grounds for rejection, and processing period shall be subject to the Refund and Return Policy
and the Order Cancellation Policy,
depending on the reason for the refund.

8.4
If applicable law grants the user a mandatory right to receive a refund through a specific method, the Wallet shall not be used in a manner that excludes such right.

9. Cancellation and Refunds After Using the Wallet

9.1
If a Wallet balance was used to purchase an order and the order is subsequently canceled, the product is returned, or a refund is approved, the amount shall be processed in accordance with the
Order Cancellation Policy
and the
Refund and Return Policy.

9.2
Cancellation of an order does not automatically result in a refund unless the cancellation qualifies for a refund under the applicable policy, taking into account the stage reached by the order, the nature of the product, and the reason for cancellation.

9.3
If the transaction includes fees, platform commissions, shipping costs, taxes, or other costs, the treatment of each component of the amount shall be subject to the nature of that component, the rules applicable to cancellation and refunds, and applicable law.

9.4
The user may not receive a duplicate refund as a result of returning an amount to the Wallet and returning the same portion to an external payment method.

10. Non-Transferability of the Wallet Between Users

10.1
The Wallet is an internal service associated with the user’s Altifl account and may not be used to transfer money or value to another user, bank account, or external wallet.

10.2
The Wallet may not be used as a person-to-person money transfer system or as a means of sending or requesting money from other users.

10.3
Wallet balances may not be sold, purchased, traded, assigned, pledged, or exchanged with another user outside the official functions adopted by the Platform.

10.4
This Policy does not grant the user a right to request the addition of a transfer or withdrawal function merely because such functionality exists technically in the system or in one of the Platform’s components.

11. Cash Withdrawal and External Transfers

11.1
As a general rule, Wallet balances are intended for use within the Platform and are not available for cash withdrawal or transfer to a bank account or external payment method merely at the user’s request. This does not affect any right to receive a refund to the original payment method or another method where such refund is required by applicable law or is due under the terms of the transaction or the Refund and Return Policy.

11.2
A Wallet balance does not constitute an obligation of the Company to pay a corresponding cash value except to the extent required by applicable law or expressly provided for under a specific program or transaction.

11.3
No technical function or option displayed in the system shall be construed as an obligation to make cash withdrawal available to all users or for all types of balances.

11.4
If applicable law, a binding decision, the terms of the transaction, or payment provider rules require an amount to be returned to the original payment method or another external payment method, the Platform may process the refund through the payment provider or appropriate mechanism in accordance with the Payment Policy, the Refund and Return Policy, and applicable law.

12. Rewards and Promotional Balances

12.1
The Platform may grant users promotional balances, rewards, or credit-related benefits associated with campaigns, offers, loyalty programs, or marketing activities.

12.2
The terms of each program may vary with respect to the reward amount, expiration date, minimum order, eligible products, maximum benefit, or other conditions, and the relevant terms shall be disclosed when the offer is presented where required.

12.3
Unless expressly provided otherwise by applicable law or the program terms, promotional balances and rewards are not cash funds available for withdrawal, transfer, or sale.

12.4
The Platform may cancel or reverse a reward or promotional balance obtained as a result of an error, fraudulent activity, fake accounts, abuse, or violation of campaign terms.

12.5
The user may not create multiple accounts or use artificial means for the purpose of obtaining rewards, referrals, or promotional balances in a manner that exceeds the program terms.

13. Referral Program and Resulting Balance

13.1
The Platform may provide a referral program that grants an eligible user a balance or reward upon satisfying the stated program conditions.

13.2
A referral reward is not earned merely by sharing a link or invitation unless the program terms expressly provide otherwise. The program may require certain procedures or an eligible transaction, or that the account remain in good standing.

13.3
The Platform may reject or cancel a referral reward where there is suspicion of manipulation, creation of fake accounts, use of inaccurate information, or any attempt to circumvent the program terms.

13.4
Referral rewards are subject to the restrictions applicable to promotional balances unless the program terms provide otherwise.

14. Vouchers and Gifts

14.1
The Platform may provide vouchers, gift codes, or special balances in accordance with its programs and available offers.

14.2
Each voucher or gift code shall be subject to the terms disclosed upon issuance, including expiration date, eligible products, minimum purchase requirements, or usage limits.

14.3
Vouchers or codes may not be sold, resold, traded, or transferred in a manner that violates their issuance terms or applicable law.

14.4
A voucher or code may be canceled if it is determined that it was used fraudulently, in violation of its issuance terms, or as a result of a system error, subject to mandatory legal rights.

14.5
A voucher or code does not, merely because it has a stated value, create a general right to cash withdrawal or transfer to an external payment method unless the issuance terms or applicable law provide otherwise.

15. Expiration of Balances

15.1
The existence of a Wallet does not mean that all balances are automatically subject to a uniform expiration period.

15.2
Rewards, promotional balances, and vouchers may be subject to specific expiration periods in accordance with their issuance terms.

15.3
No expiration or forfeiture of any balance may be applied in a manner that conflicts with a mandatory legal right that may not be excluded or restricted.

16. Currencies and Exchange Rates

16.1
The Platform may display the value of balances or orders in different currencies depending on store settings, the user’s country, and the available currency.

16.2
If a transaction requires conversion between currencies, the value may be calculated according to the conversion mechanism or exchange rate applied by the system or the relevant service provider at the time the transaction is executed.

16.3
The final transaction value may vary due to changes in exchange rates, fees, or the policies of payment providers or banks, and the Platform does not guarantee a fixed exchange rate unless expressly stated otherwise.

17. Relationship Between the Wallet and External Payment Methods

17.1
The Wallet and related payment transactions are not limited to a specific payment provider, and the Company may use or change payment service providers according to its operational, legal, and technical needs.

17.2
External payment transactions shall be subject to the Payment Policy
and the terms of the relevant payment provider, while balance management and use shall be subject to this Policy.

17.3
The use of a particular payment provider at any given time does not mean that such provider represents the sole or permanent method for funding the Wallet or processing refunds.

17.4
Available payment methods may vary according to the country, currency, transaction type, product, seller, risk level, payment provider requirements, and applicable law.

18. Fees

18.1
The Platform does not charge fees merely for holding a Wallet balance unless specific fees are disclosed in accordance with applicable law and the terms of service.

18.2
Certain transactions may be subject to fees related to the product, shipping, service, payment, transfer, or any other service, and the relevant fees shall be disclosed before completion of the transaction where required.

18.3
Wallet balances do not earn any interest or financial return by remaining in the account.

18.4
Platform commissions payable by sellers or any contractual fees between the Platform and a seller do not form part of the user’s balance except to the extent provided for in the user’s transaction or by applicable law.

19. Unauthorized Transactions and Fraud

19.1
The user must notify the Platform immediately upon suspecting unauthorized access to the account, an unknown transaction, or an unauthorized change to the Wallet balance.

19.2
The Platform may temporarily suspend or restrict the Wallet or a specific transaction where there are reasonable grounds to suspect fraud, abuse, a dispute, or a violation of this Policy.

19.3
The Platform may request additional information or documents to verify the user’s identity, account ownership, source of the transaction, or validity of the balance, to the extent necessary and legally permitted.

19.4
The Platform may reverse, correct, or cancel a balance or transaction determined to have resulted from fraud, error, unlawful use, duplicate processing, or a violation of the policies, subject to applicable legal rights.

20. Balance Errors and Duplicate Transactions

20.1
The Platform seeks to maintain accurate Wallet balances and transaction records; however, technical, operational, or accounting errors may occur.

20.2
If a balance is added to the Wallet as a result of an error, duplicate processing, or incorrect settlement, the Platform may correct the balance and remove the portion to which the user was not entitled.

20.3
The user must not use an amount that the user knows or reasonably should know was added in error and must notify the Platform accordingly.

20.4
Accidental use of a balance added in error does not create a permanent right to retain it, subject to applicable law.

21. Suspension or Restriction of the Wallet

21.1
The Company may suspend or restrict access to the Wallet or part of its functionality when necessary for security, legal, operational, or anti-fraud reasons, or to protect the Platform, users, sellers, or payment providers.

21.2
Suspension may also result from a violation of the Terms and Conditions,
the Product and Marketplace Compliance Policy,
or any other relevant policy.

21.3
Suspension of the Wallet does not automatically constitute forfeiture of the balance. The balance shall be handled according to its source, the nature of the transaction, the reason for the suspension, and applicable law.

21.4
Restrictions may be lifted after the reason for them has ended, the required verification has been completed, the dispute has been resolved, or an appropriate decision regarding the transaction has been made.

22. Account Closure and Treatment of Remaining Balances

22.1
Closing a user’s account may result in the deactivation of access to the Wallet in accordance with the
Terms and Conditions.

22.2
Account closure by itself does not cancel any legal right due to the user, nor does it prevent the Company from processing any balance according to its source, terms, and applicable law.

22.3
The Platform may take the necessary actions regarding promotional balances, rewards, or vouchers that are not due or have expired, in accordance with their issuance terms.

22.4
If the account is closed due to fraudulent or unlawful activity, the Company may take legally permitted actions regarding the transactions and balances under suspicion, including suspension, reversal, or restriction.

23. Account Security and Wallet Data

23.1
The user is responsible for maintaining the confidentiality of the account login credentials and must not share them with others.

23.2
The user must notify the Platform without undue delay upon suspecting unauthorized use of the account or Wallet.

23.3
The Company may collect and process account, transaction, and balance data for purposes of operating the Wallet, preventing fraud, security, customer service, accounting, legal compliance, and dispute resolution.

23.4
Personal data shall be processed in accordance with the Privacy Policy
published on the Platform.

23.5
Users should not send passwords, verification codes, full card details, or security codes through support channels not designated for such information.

24. Electronic Records and Evidence of Transactions

24.1
The Platform’s electronic records relating to the addition, use, adjustment, refund, and cancellation of balances shall be considered operational records relied upon by the Company in managing transactions, unless an error is established or applicable law requires otherwise.

24.2
The user may review the balance and transaction history through the tools provided by the Platform.

24.3
The user should report any objection to a balance or transaction as soon as reasonably possible to facilitate review and verification.

25. Wallet Availability and Technical Failures

25.1
The Platform seeks to provide the Wallet service in a stable manner, but does not guarantee that the service will be available without interruption, delay, or technical errors.

25.2
Certain Wallet functions may be temporarily suspended due to maintenance, updates, technical failures, security risks, service provider requirements, or circumstances beyond the Company’s reasonable control.

25.3
The Company shall not be responsible for delays directly resulting from systems or services of third parties beyond its reasonable control, subject to any liability or right that may not be excluded under applicable law.

26. Compliance and Prevention of Abuse

26.1
The user agrees to use the Wallet for lawful purposes and in compliance with this Policy and all applicable laws.

26.2
The use of the Wallet for fraudulent or unlawful activities, money laundering, financing prohibited activities, or circumventing payment, refund, or Platform restrictions is prohibited.

26.3
The Company may conduct verification procedures or suspend or reject transactions when necessary to comply with laws, regulations, payment provider requirements, or orders of competent authorities.

26.4
The Platform may cooperate with payment providers, financial institutions, or competent authorities to the extent permitted by law and for the purposes of preventing fraud, protecting transactions, or complying with legal obligations.

27. Relationship with Sellers and the Multi-Vendor Marketplace

27.1
Altifl operates as a multi-vendor online marketplace, and Wallet balances may be used to purchase products offered by independent sellers or by the Company, depending on the nature of the transaction.

27.2
The use of the Wallet to purchase a product from an independent seller does not automatically make the Company the selling party for that product.

27.3
The seller’s obligations regarding the product, order, return, replacement, and refund remain subject to the Seller Agreement,
the Product and Marketplace Compliance Policy,
and other relevant policies.

27.4
The Wallet does not grant a seller the right to withdraw, transfer, or use customer balances outside the settlement mechanisms approved by the Platform.

28. Complaints and Disputes Related to the Wallet

28.1
If the user believes that the balance is incorrect or that a particular transaction was not made by the user, the user must contact the Platform through the official support channels.

28.2
The report should include the order number, transaction number, date, amount, or other information necessary to identify the transaction in question.

28.3
Complaints shall be handled in accordance with the Complaints and Dispute Resolution Policy,
subject to the Wallet-specific provisions set out in this Policy.

28.4
Internal review procedures do not prevent the user from exercising any legal right that may not be waived.

29. Company Liability and Limitations

29.1
The Company uses reasonable efforts to operate the Wallet, maintain the accuracy of its records, and implement appropriate measures to reduce fraud and errors.

29.2
The Company does not guarantee that all errors, failures, fraudulent attempts, or service interruptions will be prevented.

29.3
Nothing in this Policy limits any liability, warranty, or right that may not be excluded or restricted under applicable law.

29.4
The Company shall not be liable for losses directly resulting from the user’s misuse of the account, sharing of login credentials, or use of unauthorized payment methods, to the extent permitted by applicable law.

30. Priority of this Policy in the Event of Conflict

30.1
This Policy shall apply as the specialized document governing the operation of the Wallet and the nature and use of balances, while the
Payment Policy
governs external payment transactions and their processing, the
Refund and Return Policy
governs refund eligibility, and the
Order Cancellation Policy
governs cancellation rules.

30.2
If there is a conflict between this Policy and another document concerning a matter specifically related to the Wallet, the provisions more specifically applicable to the Wallet shall govern that matter, unless another document expressly provides for a different priority or applicable law requires otherwise.

30.3
A limited conflict between two documents shall not be construed as a complete invalidation of the remaining provisions contained in either document.

30.4
Where any contractual provision conflicts with a mandatory applicable law, the mandatory legal provision shall prevail to the extent of the conflict.

31. Amendments to the Wallet Policy

31.1
The Company may amend this Policy from time to time to reflect legal, regulatory, technical, operational, or business developments.

31.2
The amended version shall be published on this page with the “Last Updated” date revised accordingly.

31.3
If an amendment is material or if applicable law requires additional notice, the Company may take appropriate steps to notify users in accordance with applicable requirements.

31.4
The user’s continued use of the Wallet after an amendment becomes effective shall constitute acceptance of the amended version to the extent permitted by applicable law, without affecting any mandatory legal right.

32. Severability

32.1
If a competent authority determines that any provision of this Policy is invalid or unenforceable in a particular legal jurisdiction, the remaining provisions shall remain in effect to the fullest extent permitted by law.

32.2
Where legally possible, an unenforceable provision may be interpreted in a manner that achieves the closest lawful legal and economic effect without violating the mandatory provision.

33. Governing Law and Mandatory Rights

33.1
This Policy shall be governed by and interpreted in accordance with the legal framework applicable to the relationship between the user and the Company, taking into account the
Terms and Conditions
and mandatory legal rules that may apply to the user, transaction, or place of performance.

33.2
This Policy is not intended to exclude or restrict any right, protection, or remedy available to the user under mandatory law that cannot be contractually waived.

33.3
The Company’s incorporation in Wyoming does not mean that all transactions or users are subject exclusively to Wyoming law without regard to other mandatory laws that may apply to a particular transaction.

34. Contact and Support

34.1
Users may contact Altifl regarding the Wallet, balances, transactions, refunds, restrictions, or disputes through the official communication channels available on the Platform.

34.2
When contacting the Platform regarding a specific transaction, users are encouraged to provide the order number, transaction number, date, amount, or any information that helps identify the transaction.

34.3
Users should not send passwords, verification codes, full card details, or confidential financial information through channels not designated for such information.

35. Related Policies and Documents

35.1
To ensure an understanding of the Wallet’s integrated legal framework, this Policy should be read together with the following documents:

35.1.1
Terms and Conditions

35.1.2
Payment Policy

35.1.3
Refund and Return Policy

35.1.4
Order Cancellation Policy

35.1.5
Seller Agreement

35.1.6
Complaints and Dispute Resolution Policy

35.1.7
Privacy Policy

35.1.8
Product and Marketplace Compliance Policy