Payment Policy

Section 1 — Purpose and Scope

1.1 Purpose

This Payment Policy has been prepared to regulate the procedures and principles relating to payment transactions carried out through the DaDa Design Platform.

This Policy covers payment methods, payment security, payment verification processes, payment transactions related to digital delivery, refund processes, and the rights and obligations of the parties in relation to the payment process.

1.2 Scope

This Policy covers:

• all sales of Digital Collectible Assets carried out through the Platform,

• payment transactions connected with orders,

• collection transactions carried out through licensed payment service providers,

• payment processes before and after digital delivery,

• verification and control procedures that may be applied within the scope of payment security.

1.3 Consideration Together with Other Legal Documents

This Policy shall be considered together with:

• Terms of Use,

• Distance Sales and Digital Collectible Delivery Agreement,

• Privacy Policy,

• Cookie Policy,

• Digital Certificate and Ownership Policy,

• Intellectual Property and Licence Policy.

If there is any difference between the documents, the provision most appropriate to the specific case shall apply, without prejudice to mandatory rules of applicable law.

1.4 General Principles of the Payment Process

All payment transactions carried out through the Platform are intended to be conducted in a manner that is:

• secure,

• transparent,

• verifiable,

• traceable,

• compliant with applicable law.

The Business applies reasonable technical and organisational security measures during the payment process.

The User is obliged to provide accurate information during payment, to use only payment instruments that the User is legally authorised to use, and to participate honestly in any verification procedures requested during the payment process.

1.5 Licensed Payment Service Providers

Payments made through the Platform may be processed through licensed payment service providers operating in accordance with applicable law.

The Business may use the technical infrastructure of the payment service provider that processes payment transactions on its behalf.

Payment transactions carried out by the payment service provider may also be assessed under that provider’s own agreements, security procedures and applicable law.

1.6 Purpose of the Payment Policy

This Policy has been prepared for the purposes of:

• explaining the payment process,

• determining the rights and obligations of the parties,

• ensuring payment security,

• preventing potential disputes,

• increasing transparency in payment processes.

This Policy may not be interpreted in a manner that removes or limits mandatory rules of applicable law.

Section 2 — Payment Methods and Initiation of the Payment Transaction

2.1 General Principle

Payments through the Platform may be made using payment methods offered and supported by the Business from time to time.

The Business reserves the right to change payment methods, add new payment methods or remove existing payment methods.

2.2 Licensed Payment Service Providers

Payment transactions may be carried out through licensed payment service providers operating in accordance with applicable law.

The Business may use the infrastructure of these service providers for the technical execution of payment transactions.

2.3 Initiation of the Payment Transaction

Once the User confirms the order and initiates the payment process, the payment transaction is carried out through the secure payment infrastructure of the relevant payment service provider.

Completion of the payment transaction may be subject to the verification and approval processes of the payment service provider.

2.4 Supported Payment Instruments

The payment methods that may be used on the Platform are displayed on the payment page in their current form.

No guarantee is given that any particular payment method will always be available.

2.4.1 Use of an Authorised Payment Instrument

The Buyer declares that the Buyer is legally authorised to use the payment instrument used during payment.

The Business acts in reasonable reliance on the accuracy of transactions approved by the payment service provider.

The Business has no obligation to investigate the legal relationship between the actual holder of the payment instrument and the Buyer.

If unauthorised payment is alleged, the assessment shall primarily be carried out under the procedures of the relevant payment service provider and applicable law.

2.5 Currency and Collection

Payment transactions are carried out in the currency stated on the payment page.

Currency conversions, commissions or similar costs that may be applied by the card-issuing bank or payment institution are outside the control of the Business and are subject to the practices of the relevant institution.

2.6 Entry of Payment Information

The User is obliged to provide the information requested during the payment transaction accurately, currently and completely.

The Business may not be held liable for delays or failure to complete the payment transaction resulting from incorrect or incomplete information; this provision does not apply where the matter results from the Business’s own fault.

2.7 Payment Approval

An order becomes final not merely upon creation of the payment request, but upon successful approval of the payment by the relevant payment service provider.

The Business has no obligation to make digital delivery before payment approval is received.

2.8 Strong Customer Authentication (SCA)

During payment transactions, Strong Customer Authentication (SCA) or similar authentication methods may be applied in accordance with applicable law and the security policies of the relevant payment service provider.

These verification processes are carried out by the relevant payment service provider and are not under the direct control of the Business.

Section 3 — Payment Service Providers and the Payment Process

3.1 General Principle

Payments made through the Platform may be processed through licensed payment service providers operating in accordance with applicable law.

The Business uses the technical infrastructure of these service providers so that payment transactions can be carried out securely.

3.2 Execution of the Payment Transaction

Payment transactions are carried out in accordance with the payment service provider’s security, verification and transaction procedures.

Approval, rejection, suspension or additional verification of a payment transaction may depend on the processes of the relevant payment service provider.

3.3 Security Verifications

The payment service provider may apply verification procedures it considers necessary under applicable law and its own security procedures.

These may include additional verification, strong customer authentication, transaction verification or similar security checks.

3.4 Card and Payment Information

Unless expressly stated otherwise, the Business does not process or store in its own systems the full payment card number, security code (CVV/CVC), or similar sensitive payment authentication information.

Such information may be processed through the secure payment infrastructure of the payment service provider.

3.5 Decisions of the Payment Service Provider

Where the payment service provider:

• rejects the transaction,

• places it under security review,

• temporarily holds it,

• requests additional verification,

• is unable to execute it for technical reasons,

the Business is not obliged to alter the technical decisions of the payment service provider.

The Business may not be held liable for these processes occurring outside its control, without prejudice to mandatory rules of applicable law.

The Business is not obliged to accept payment transactions rejected or assessed as high risk under the security policies of the payment service provider.

3.6 Technical Interruptions

The Business makes reasonable efforts to prevent technical interruptions, access problems or service-continuity issues arising from the payment service provider or electronic communications infrastructure.

However, where a payment transaction is delayed or cannot be completed due to technical failures outside its control, the Business is liable only to the extent that it is at fault.

3.7 Electronic Records

The Business may process the following in relation to payment transactions:

• transaction numbers,

• order numbers,

• payment status information,

• electronic approval records,

• timestamps,

• security records,

in accordance with applicable law and, where necessary, may use them as evidence in legal disputes.

Section 4 — Payment Security and Verification Processes

4.1 General Principle

The Business applies reasonable technical and organisational security measures to enable secure payment transactions, prevent unauthorised use and protect digital delivery processes.

These measures are applied taking into account applicable law and the security standards of licensed payment service providers.

4.2 Security Verifications

During payment transactions, security verification processes that may be applied by the payment service provider or the Business may be used where considered necessary.

These verifications may include:

• identity verification,

• strong customer authentication,

• transaction verification,

• security checks,

• other technical verification methods.

4.3 Risk Analysis

The Business may carry out security assessments based on objective and reasonable risk indicators in order to ensure payment security.

During these assessments, the following technical data may be evaluated to the extent necessary:

• order information,

• payment status,

• IP address,

• device information,

• session information,

• transaction time,

• security records.

These assessments are carried out in accordance with the principles set out in the DaDa Design Privacy Policy.

4.4 Request for Additional Verification

Where there is an objective and reasonable security concern, the Business may request reasonable verification procedures such as:

• identity verification,

• verification of payment authorisation,

• submission of additional information or documents,

• confirmation of order information.

Digital delivery may be postponed for a reasonable period until verification is completed.

4.5 Suspension of the Transaction for Security Reasons

The Business may place an order under security review in the following cases:

• a material inconsistency in payment information,

• objective indicators giving rise to suspicion of fraud,

• a security warning from the payment service provider,

• technical findings supporting suspicion of unlawful use,

• other cases required by applicable law.

During the security review, the order may not be processed or digital delivery may be temporarily postponed.

4.6 Purpose of Security Measures

The security measures applied under this Section are intended to protect the rights and interests of:

• the User,

• the holder of the card or payment instrument,

• the Business,

• the payment service provider.

These measures may not be interpreted in a manner that removes the User’s legal rights.

4.7 Electronic Security Records

Electronic records created to ensure payment security may be processed, in accordance with applicable law, for the purposes of:

• conducting security reviews,

• verifying payment transactions,

• fulfilling legal obligations,

• protecting rights in potential disputes.

4.8 No Misuse of Security Measures

Security verification processes applied by the Business are carried out solely to ensure payment security, prevent fraud and fulfil legal obligations. These measures may not be applied in a manner that unnecessarily restricts the rights of Users acting honestly or leads to arbitrary practices.

Section 5 — Unauthorised Payment Instruments, Security Verification and Suspicious Transactions

5.1 General Principle

The Business may apply necessary security controls to ensure secure payment transactions, prevent fraud, protect the rights of third parties and secure digital delivery processes.

These controls are carried out in accordance with applicable law and the security standards of licensed payment service providers.

5.2 Lawful Use of the Payment Instrument

The User declares that:

• the User is legally authorised to use the payment instrument used,

• the information relating to the payment transaction is accurate and current,

• the User has not used payment instruments belonging to third parties without the necessary legal authority.

Legal and financial responsibility arising from false declarations belongs to the person responsible for the act.

5.3 Security Review and Additional Verification

Where objective and reasonable security indicators exist, the Business may:

• request additional identity verification,

• request verification of payment authorisation,

• request additional information or documents,

• place the order under security review,

• postpone digital delivery for a reasonable period,

• cancel the order where necessary.

These measures are applied solely to ensure payment security and prevent the risk of fraud.

For payment security purposes, the Business may use risk assessment systems, authentication methods and fraud-prevention mechanisms provided by licensed payment service providers.

5.4 Unauthorised or Unlawful Payment Transactions

Legal and financial responsibility arising from use of a payment instrument that is:

• unauthorised,

• unlawful,

• stolen,

• counterfeit,

• fraudulent,

• used in a manner that infringes the rights of third parties,

belongs to the person responsible for the act.

The Business relies on payment transactions approved by a licensed payment service provider after completion of security checks.

This provision may not be interpreted as removing the Business’s obligations arising from mandatory rules of applicable law.

5.5 Indicators of Suspicious Transactions

The following circumstances, while not constituting conclusive evidence on their own, may require a security review:

• unusual payment behaviour,

• conflicting order or user information,

• technical indicators presenting a high fraud risk,

• security warnings from the payment service provider,

• unusual transaction attempts within a short period,

• objective technical findings relating to unlawful use.

5.6 User’s Duty to Cooperate

During a security review, the User agrees to provide reasonably requested information and documents without delay.

If verification cannot be completed without a justified reason, the Business may, in accordance with applicable law, suspend the order, postpone digital delivery or cancel the order.

5.7 Electronic Records and Evidence

The following records created by the Business may, to the extent permitted by applicable law, be used to verify payment transactions, conduct security reviews and as evidence in potential legal disputes:

• order records,

• payment-status records,

• electronic approval records,

• IP-address records,

• device and session information,

• timestamps,

• security logs,

• digital-delivery records,

• technical verification records.

5.8 Unauthorised Transactions and Chargeback Processes

If an allegation of unauthorised use, a chargeback request or a similar dispute arises in relation to a payment transaction, the Business may, to the extent permitted by applicable law, share necessary information, documents and electronic records in processes conducted with:

• the licensed payment service provider,

• the card scheme,

• the bank,

• competent public authorities.

The Business may submit electronic records and technical evidence to the relevant authorities in order to protect its rights.

5.9 Bad-Faith Objections

Where reasonable technical records show that a payment transaction was carried out by the User or a person authorised by the User, but false or bad-faith objections are nevertheless made, the Business reserves the right to exercise all legal rights arising under applicable law.

This provision may not be interpreted as limiting good-faith and lawful rights of objection or application.

5.10 Criminal Investigations and Official Applications

Where there are reasonable indications that a payment transaction may constitute an offence or infringe the rights of third parties, the Business may cooperate with competent public authorities and judicial authorities within the framework of applicable law.

5.11 Account Takeover (ATO)

Where there are reasonable indications that a User Account may have been taken over by unauthorised persons, the Business may, in order to protect the security of the User and the Platform, temporarily suspend the relevant account, order, digital delivery, Ownership update or other transactions, or request additional identity verification.

The User is obliged to keep usernames, passwords, verification codes and other authentication information confidential.

Without prejudice to mandatory rules of applicable law, the Business may not be held liable for unauthorised transactions resulting from account sharing, disclosure of security information to third parties, or failure to take adequate security precautions due to the User’s own fault.

Section 6 — Completion of Payment and Digital Delivery

6.1 General Principle

Delivery of Digital Collectible Assets is conditional upon successful completion of the payment transaction and completion of the necessary security checks.

The Business has no obligation to make digital delivery before the payment becomes final.

6.2 Completion of Payment

The payment transaction is deemed completed when it is successfully approved by the licensed payment service provider.

Transactions at the authorisation stage, pending, rejected or still undergoing verification are not considered completed payments.

6.3 Initiation of Digital Delivery

Following completion of the payment transaction, digital delivery is carried out as soon as possible, taking into account technical capabilities and security checks.

The delivery period may be reasonably extended due to a security review or technical requirements.

6.4 Postponement of Delivery for Security Reasons

Where there is an objective and reasonable security concern, a need for additional verification, or a security notification from the payment service provider, the Business may postpone digital delivery until verification is completed.

6.5 Completion of Delivery

The delivery obligation is deemed fulfilled when digital delivery is made accessible through the User’s account or made available for download.

Technical records of delivery may be used as evidence to the extent permitted by applicable law.

Completion of digital delivery does not remove the User’s responsibility to store and back up the delivered digital content securely on the User’s own systems. Unless otherwise undertaken in writing, the Business does not continuously retain the delivered original digital file on behalf of the User or undertake to redeliver it.

6.6 Payment Disputes Arising Subsequently

If, after digital delivery has been completed, an objection, chargeback, allegation of unauthorised use or similar dispute arises in relation to the payment transaction, the rights and obligations of the parties shall be assessed in accordance with applicable law, the Distance Sales and Digital Collectible Delivery Agreement and the relevant provisions of this Policy.

6.7 Electronic Records

The following records created in relation to completion of payment and the digital delivery process may, to the extent permitted by applicable law, be used to verify payment and delivery processes and as evidence in potential legal disputes:

• payment approval records,

• delivery records,

• electronic approvals,

• timestamps,

• system records,

• technical verification records.

Section 7 — Payment Objections, Chargebacks and Disputes

7.1 General Principle

Objections relating to payment transactions, chargeback requests and similar disputes are assessed within the framework of applicable law, the rules of the payment service provider and the procedures of the relevant card schemes.

In the event of a chargeback, suspicion of fraud or allegation of unauthorised payment, the Business may temporarily suspend digital delivery, Ownership updates, Digital Certificate procedures or certain transactions relating to the relevant User account until the review is concluded.

7.2 Duty to Cooperate

If a dispute relating to a payment transaction arises, the User agrees to provide without delay the information and documents reasonably requested by the Business.

7.3 Business’s Right to Submit Evidence

For the purpose of verifying the payment transaction and protecting its rights, the Business may, to the extent permitted by applicable law, submit the following to the payment service provider, card scheme, bank or competent authorities:

• order records,

• payment records,

• electronic approval records,

• digital-delivery records,

• IP-address records,

• device and session information,

• timestamps,

• security logs,

• other technical verification records.

7.4 Assessment of Digital Delivery

In disputes relating to a payment transaction, the fact that digital delivery has taken place does not by itself determine the outcome of the dispute.

However, the Business may rely on electronic records and technical verification data showing that digital delivery took place as evidence in order to protect its rights.

7.5 Bad-Faith Applications

Where false statements, fraudulent transactions or bad-faith payment objections are identified, the Business reserves its rights to legal and criminal remedies arising under applicable law.

This provision may not be interpreted as limiting the User’s good-faith and lawful rights of objection.

7.6 Review Process

Until a payment dispute is resolved, the Business may:

• place the relevant order under review,

• temporarily suspend digital certificate procedures,

• hold technical procedures relating to transfer of ownership,

• apply other protective measures permitted by applicable law.

These measures are applied solely for the purpose of properly assessing the dispute.

7.7 Final Assessment

When payment disputes are resolved, the following are assessed together:

• records of the payment service provider,

• information and documents submitted by the parties,

• electronic records,

• applicable rules of law.

The Business reserves the right to exercise its rights arising under applicable law.

Section 8 — Refund and Return Processes

8.1 General Principle

Refund transactions are assessed within the framework of applicable law, the Distance Sales and Digital Collectible Delivery Agreement and the provisions of this Policy.

Each payment transaction is reviewed taking into account its specific circumstances.

Provided that the express consent required under applicable law has been obtained before digital delivery begins, no refund is made after digital delivery has been completed solely because the Buyer later changes their mind.

8.2 Cases in Which a Refund May Be Made

Where applicable law requires a refund or the Business decides that a refund shall be made, the payment is refunded, to the extent possible, through the payment method used for the transaction.

8.3 Digital Content and Right of Withdrawal

The right of withdrawal relating to Digital Collectible Assets and the exceptions to that right are regulated in the Distance Sales and Digital Collectible Delivery Agreement.

This Policy may not be interpreted in a manner that expands or restricts the right of withdrawal.

8.4 Refund Process

If a refund decision is made, the refund transaction is initiated through the relevant payment service provider within a reasonable period.

The time required for the refund to appear in the User’s account may vary depending on the processing times of the bank, card scheme or payment service provider.

8.5 Costs and Deductions

Where permitted by applicable law, transaction fees, exchange-rate differences or similar costs arising from the bank, card scheme or payment service provider may affect the refund amount.

The Business is not responsible for such deductions applied outside its control.

8.6 Electronic Records

The following records relating to refund processes may be retained to the extent permitted by applicable law and may be used as evidence in potential legal disputes:

• payment records,

• refund records,

• electronic approvals,

• transaction numbers,

• timestamps,

• other technical records.

The Business may retain electronic records relating to payment transactions, transaction identifiers, payment verification information and limited transaction data transmitted by the payment service provider for the period permitted by applicable law for the purposes of fulfilling legal obligations, maintaining accounting records, preventing fraud and resolving potential disputes.

The Business is not a payment service provider. Payment transactions are carried out within the framework of the contractual terms, security procedures and legal obligations of the relevant licensed payment service providers.

Section 9 — Taxes, Fees and Foreign-exchange Transactions

9.1 Sale Price

The sale price is the amount stated on the payment page at the time the order is created.

Unless expressly stated otherwise, taxes applicable to the sale price are calculated in accordance with applicable law.

9.2 Taxes

Tax obligations applicable to sales carried out through the Platform are determined in accordance with applicable tax law.

Where required by law, the Business may collect and invoice the relevant taxes.

9.3 Foreign-Exchange Transactions

If the payment transaction is carried out using a currency different from the sale price, the applicable currency conversion may be determined by the card-issuing bank, payment institution or relevant financial institution.

The Business is not responsible for exchange rates or conversion transactions applied outside its control.

9.4 Bank and Payment Institution Charges

Transaction fees, commissions, exchange-rate differences or similar costs that may be applied by the bank, card scheme or payment service provider are subject to the practices of the relevant institutions.

The Business is not responsible for such costs applied outside its control.

9.5 Issuing Invoices

The Business may issue invoices or financial documents required under applicable law electronically or by other appropriate methods, based on the information provided by the User during the order process.

The User is responsible for ensuring that invoice information is accurate and current.

Section 10 — Updating the Policy

10.1 Right to Update

The Business may revise this Payment Policy in the event of changes in applicable law, developments in payment systems, security requirements, changes in service providers or updates to Platform services.

10.2 Entry into Force

The updated Payment Policy enters into force on the date it is published on the Platform.

The effective date and version information are stated at the beginning or end of the Policy.

10.3 Material Changes

Where changes are made that may materially affect the User’s rights and obligations, Users shall be informed by appropriate means where required by applicable law.

New approvals may be obtained where necessary.

Section 11 — Final Provisions

11.1 Consideration of Documents Together

This Payment Policy shall be considered together with:

• Terms of Use,

• Distance Sales and Digital Collectible Delivery Agreement,

• Privacy Policy,

• Cookie Policy,

• Digital Certificate and Ownership Policy,

• Intellectual Property and Licence Policy.

If there is any difference between the documents, the provision most appropriate to the specific case shall apply, without prejudice to mandatory rules of applicable law.

11.2 Severability

If any provision of this Policy is deemed wholly or partially invalid, void or unenforceable, this shall not affect the validity of the remaining provisions.

The arrangement closest to the purpose of the provision and compliant with applicable law shall apply in place of the invalid provision.

11.3 Electronic Records

Electronic records, transaction records, electronic approvals, timestamps, delivery records and other technical records created by the Business in relation to payment processes may, to the extent permitted by applicable law, be used to verify payment transactions and as evidence in potential legal disputes.

11.4 No Waiver of Rights

Failure or delay by the Business in exercising any right arising under this Policy does not constitute a waiver of that right.

11.5 Entry into Force

This Payment Policy enters into force on the date it is published on the Platform and remains in force until a new version is published.