Last update : Jan 26th 2020

All the paytwit users must read the rules every 30 days in this page ( https://paytwit.com/ourrole)
Obviously anyone who denies or doesn’t pay attention to these rules takes the responsibility of his action, and the rules are firmly for all the users.

1 general rules :

1-1 to use the paytwit services you should create an account and confirm it.

1-2 creating an account and confirming that means that you completely read and accept all the paytwit rules.

1-3 the account owner is responsible for all the transactions and activities on paytwit , there will be no responsibility of paytwit in these items.

1-4 paytwit wants the users to enter their username and password only on pages with the address below,
https://paytwit.com , The information of these pages is protected by the ssl license so the users will experience more protection on the pages which prefix is https. If you submit your information on any page except https://paytwit.com, the user will be responsible for the loss of information or robbery of information or scamming.

2. Rules of signing up and user accounts

2-1 the created account cannot be removed at all and will remain on paytwit for ever( creating another account for a person is impossible and everyone can only be the owner of one account)

2-2 after sending the membership form, address, phone number and identification documents will be asked, the documents must be legible and belong to the account owner, the user is responsible for any forging or editing or abuse of the document and there will be Judicial prosecution.

2-3 if we don’t confirm the documents or some kind of Contradiction happens, the account will be blocked (type 1 block)

2-4 using more than one account by a person or a company (multi account) is forbidden, and if happens, all the accounts will be blocked (type 1 block)

2-5 no one whether real or legal doesn’t have the authority to transfer his account informations and specifications to others. Organizations can define new user names and separate accesses for their worker at different departments. Obviously the account owner is responsible for the violation or abuse and it’s consequences, and the account will be blocked (type 1 block)

2-6 paytwit has the authority to deactivate any suspicious account and ask for more documents and information. After receiving the documents and safety authentication, the account will be active again.

2-7 according to the politics of information security, paytwit guarantees to protect user’s information and keep them safely and secret except the situations which there is an order from judicial references.
User’s data and information are being kept securely and protected by the most advanced security systems.

3: blocking rules

There are 5 types of blocks:

• Block type 1: the account will be blocked forever and the user doesn’t have the authority to use any of paytwit services and the remaining amount in the account will be deposited into the bank account whithin 6 months.
• .Block type 2: a particular part of money will be blocked for a reason in an account; the user can use all the paytwit services except that part of money, until the problem is solved.
• Block type 3: a particular amount of money which was set in timed transactions or as a service by the sender or receiver will be blocked until the end of the period. User can use all of paytwit services except that amount of money.
• Block type 4: any change of the user’s documents which needs confirmation cause blocking for ever and the user is not able to use paytwit services, but it can be unblocked after the documents confirmation.
• Block type 5: if the sender make 3 unsuccessful
  Requests for refund and the receiver get 3 successful requests for refund, the account will be blocked to be checked precisely, in this period the user cannot use paytwit services. Paytwit financial section will make the final decision and the account will be unblocked with a firm warning or it will be blocked (block type 1)

3-2: users should always have confirmed address, phon

e number and identification documents. If there is a change for any of them, the account will be blocked until the confirmation of new documents.

3-3 using paytwit services as other persons or with other’s information is against the rules and account will be blocked( block type 1)

4: Service rules :

4-1 adding balance to account only is possible by the bank ports(gateway) which exist in the website or by depositing to the submitted account numbers. Manual adding balance will be confirmed within 24 hours.

4-2 if the owner of bank account is different with the owner of the paytwit account, the account will not be charged whether manually or online(gateway) , and if it happens, paytwit will return the money to the sender’s bank account.(user only can use the bank accounts which belongs to him, there shouldn’t be a difference between the owner of paytwit account and the owner of bank account)
For instance if someone called X who is a user of Paytwit add balance to his account with a bank account card which belongs to someone called Y, paytwit will return the money to the Y bank account with the wage of paytwit transfer.

4-3 there will be a wage for paytwit in the momentary transfers and the money will be transferred right after that. There will be no possibility for refund or returning the money in these kind of transactions.

4-4 in timed transfers there is a wage for paytwit, and during the period which is set by the sender, user can submit a refund request and the money can be refunded. After submitting the request, the receiver will get a message to answer whether he accepts the refund request or not and describe his explanations whithin 3 days. After submitting the receiver’s answers, the financial section of paytwit and the manager will decide to send the money to receiver’s account or refund the money to sender’s account whithin 3 days.
Hint1: Manger of paytwit will make the final decision for accepting the refund request, and the user is agree with this term by accepting the rules.

Hint2: if the receiver doesn’t answer the message whithin 3 days, paytwit financial section has the authority to refund the money to sender’s account.

4-5 in transfers as a service there is a wage for paytwit, and the sender can request for refund within 60 days after payment. Tip: in transfers as a service, if the receiver’s account is empty, the refund process cannot be requested. After submitting the request, the money will be blocked on the receiver’s account and receiver will get a message to explain and answer some questions whithin 3 days. After submitting the receiver’s answers, the financial section of paytwit and the manager will decide to send the money to receiver’s account or refund the money to sender’s account whithin 3 days.
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Hint1: Manger of paytwit will make the final decision for accepting the refund request, and the user is agree with this term by accepting the rules.

Hint2: if the receiver doesn’t answer the message whithin 3 days, paytwit financial section has the authority to refund the money to sender’s account.

4-6 if a user requests money from other users, and the user accepts his request, the money will be transferred immediately to the requester’s account and there is no possibility of refund.

4-7 bank accounts must be submitted for withdrawal or transferring money from paytwit, every currency has its own accounts which are shown in the bank account section, bank accounts will be confirmed after the manager check them and after confirmation transactions can be done.

4-8 users must submit bank accounts which belong to themselves and cannot use other’s bank accounts, if it happens the account will be blocked.

4-9 withdrawal is possible for the accounts which submitted confirmed bank accounts number, and if no bank account number is submitted, withdrawal is not possible.

4-10 transferring money to bank accounts will take 24 to 72 hours of workdays.

4-11 there is a wage for paytwit on exchanging currencies to each other, after the request for exchange, the account will be charged immediately.

5 : Web Srvice : 

5-1 each domain can only have one web service.

5-2 using the web service which it’s domain isn’t registered and submitted, will cause blocking type 1 for the linked account to the web service.

5-3 user who owns the web service takes the responsibility of any abuse of paytwit gateways and there will be no responsibility of paytwit.

5-4 payments which are done by paytwit gateways are impossible to be refunded.

5-5 any violation or crime like creating a gateway or web service for an allowed website but redirecting the transactions to an illegal intermediary website(going against the transactions process) or any abuse will cause blocking type 1.

5-6 websites which use web services and gateways may have their own rules and terms and agreements and information security. So read them precisely before you purchase and accomplish your activity. Paytwit won’t take any responsibility of the possible problems.

5-7 paytwit has written its rules and agreements in order to avoid any scamming and abuse of the users and there will be no responsibility of any trouble. If any disagreement or argument which causes harm occur between the users, paytwit with its supervision will make an opportunity fore buyer and seller to talk and discuss and solve the problems. If the trouble isn’t solved,according to the documents and the available amount of receiver’s account, paytwit financial team is authorized to refund the money to the buyer’s account. But if the receiver’s account is empty, paytwit won’t have any responsibility.

5-8 at the end of the discussion of the troubled users, paytwit’s financial expert can unblock, block or refund the money to the complainant’s account according to the existing documents and evidences.

5-9 payment services providers must provide a receipt for sending goods or purchased services which proves that the service or good is received to the buyer. The receipt must be saved by the service provider. Obviously the service provider should take the responsibility of the missing receipts or not saving them, and if the customer claims for not receiving the service, the seller must send us the purchase receipt or sending information.

5-10 payment service provider must obviously show the transaction number and other related information to the payer for the further following up processes, and must save all of this information in its information bank.

5-11 paytwit wants its users to enter their account’s information only on pages with the address below :
https://Paytwit.com
These pages are protected by ssl and the users must be careful in entering their information. If the user doesn’t accept or care about this rule, he will take the responsibility of any consequences of information robbery or trouble.