USER AGREEMENT – MAMIFY PLATFORM / CARDHOLDER TERMS

BETWEEN

Condividiamo Ltd, headquartered at Suite 23 Portland House, Glacis Road, Gibraltar, registered in the local company register, acting as the operator of the Mamify platform, hereinafter referred to as “Mamify” or “the Company”,

AND

The registered user, identified by the information provided during the sign-up process on the Mamify app, who makes purchases using a payment card, hereinafter referred to as the “User” or “Cardholder”.

1. PURPOSE OF THE AGREEMENT

1.1 This agreement governs the use of the Mamify digital platform by the User, specifically for the purchase of products and services using a credit/debit card or other supported payment methods.
1.2 Mamify operates as a marketplace, allowing Users to purchase goods and services provided by third-party sellers (hereinafter the “Sellers”).

2. TERMS OF USE

2.1 The User accesses the platform via the mobile app and creates a personal account.
2.2 The User may purchase products and services offered by Sellers registered on the platform.
2.3 Payments are processed via the authorized payment service provider (Nuvei), and funds are distributed between Sellers and Mamify according to internal commercial agreements.
2.4 The User is responsible for the accuracy of the data provided, including payment details, contact information, and tax data.

3. RESPONSIBILITIES AND WARRANTIES

3.1 Mamify is not the direct seller of any product or service purchased through the platform.
3.2 All responsibility regarding: product quality, compliance, shipping, returns, refunds, warranties, or post-sale support lies exclusively with the Seller.
3.3 Mamify monitors Sellers according to its compliance standards and may intervene in case of complaints or violations of platform policies.

4. PAYMENTS AND SECURITY

4.1 All payments are handled by an authorized provider compliant with PCI DSS standards.
4.2 Mamify does not directly store sensitive cardholder data.
4.3 In the event of chargebacks, disputes, or refunds, Mamify acts as a technical intermediary between User and Seller, without assuming direct liability.

5. REFUNDS AND CANCELLATIONS

5.1 Refund requests must be submitted to the Seller through the appropriate section of the App.
5.2 Each Seller may define their own refund policy in accordance with applicable laws.
5.3 The User may stop using the platform at any time, provided that no pending obligations exist.

6. PERSONAL DATA PROTECTION

6.1 Personal data is processed in compliance with the GDPR and in accordance with the Privacy Policy available within the App.

7. AMENDMENTS TO THE AGREEMENT

7.1 Mamify reserves the right to amend these terms and conditions.
7.2 Any changes will be communicated to Users at least 7 days in advance and will take effect on the date specified in the notice.

8. GOVERNING LAW AND JURISDICTION

8.1 This agreement is governed by the laws of Gibraltar.
8.2 Any disputes arising from this agreement shall fall under the exclusive jurisdiction of the courts of Gibraltar, unless otherwise mandated by applicable consumer protection laws.

Read, understood, and digitally accepted by the User upon registration within the Mamify app.