Payment policy for digital assets and other payment methods

Last updated: 13.01.2025
This Payment policy for digital assets and other payment methods («Policy») is an integral part of the agreement between users (“you”, “User”) and Advio (“Company”, “We”, “Service Provider”, “our” or “us”), regulates the terms of payment by users of information and technology services to ensure the use of the advio.io Service (as an advertising management system) (the “Website”, “Service”) and establishes the rules for refunds.
Company (Service provider):
A.B. DIGITAL HORIZON SYNDICATE LIMITED
Address: Archiepiskopou Makariou III, 95, Charitini Building, 1st Floor, Flat/Office 102 1071 Nicosia, Cyprus
Registration number HE451879
VAT-Number CY 60036334W

1. Acceptance of the Policy

Please read the Policy carefully before making a payment in the Service interface. If you disagree with the Policy, you should refrain from paying for the services.
We may change the Policy from time to time. The updated version comes into force as soon as it becomes available. You are responsible for reviewing the Policy to stay informed of updates.

2. Changing the amount of payments

We may change the payment amount at our discretion and at any time.
We will email you reasonable advance notice before any change to the email address with which your Advio account is registered becomes effective, as indicated on the Advio Service.
Your continued use of the Service after the change becomes effective constitutes your agreement to pay the changed price.

3. Payments

Generally, as a user, you will pay for information and technical services to ensure the use of the Service's functionality, which includes:
  • Company's services cost (determined as % from planned (paid) budget);
  • cost for placement, management, and processing advertisements (advertising budget).
You independently choose a payment method (cryptocurrency as digital assets, payment by bank card, or other options available in the service's interface).
Please note,
  •  Third-party (payment processors) can charge you commission fees, and we can include tax in the payment (VAT). It depends on the country of your tax residence, the foreign exchange rate, and the selected payment method.
  • The Company sets minimal amounts for payments for each Advertising system. You can get acquainted with them through the service interface or by request ().
  • % of the Company`s services cost varies from Advertising systems where You start your campaigns (for example, for Telegram Ads (ex. Telegram Ad Platform) such percentage is equal to 15).
Company`s services cost. It is non-refundable (without exceptions) and does not depend on the actual (used) amount of expenses (advertising budget).
Cost for placement, management, and processing of advertisements (advertising budget). This part of the payment fixes the amount of funds (amount) that users can use for their advertising campaigns for one or more accounts in the Advertising Systems. After the funds are credited to the account in the Service, the user independently credits the budget in full/partially to the accounts in the Advertising Systems using the Service interface.
The reporting period is a calendar month. The amount of cost of services for the reporting period consists of the cost of the Company's services (a percentage of the planned and paid by the Company amount of expenses) and the actual costs for placement, management, and processing advertisements used by the User for advertising campaigns during such period.

4. Settlement currency. Conversion

Settlements under the Agreement can be made in USDT or USDC (if the payment method is cryptocurrency), EURO, or other currency (if the payment method is bank card).
For each payment, the Company creates a request to a Third Party (payment processor) for payment (Company`s services cost, advertising budget) in the currency of your account in the advertising system after your confirmation in the Service interface.
Payment by bank card.  The payment processor charges the necessary amount from your card. If the currency of your bank card isn`t equal to the currency of your account in the advertising system, the payment processor charges the amount from your card in accordance with his own currency sales rate at the moment of payment.
Payment by cryptocurrency (digital assets).  The payment processor charged the necessary USDT from your wallet in accordance with his own cryptocurrency sales rate at the moment of payment.
Allowed digital assets are USDT and USDC. If you have another cryptocurrency wallet (Bitcoin, Ethereum, etc.), you must convert (exchange it) for USDT or USDC. You must also comply with the payment processor's instructions for each payment.
Your payments are processed via third-party payment processors. We are not responsible for any errors, omissions, and deficiencies caused by such payment processors or for any loss, damage, or other liabilities incurred due to your use of such payment processors.

5. Refund

Users may stop own advertising campaigns without indication of reason and request refund unused amounts via email ().
The refund period can`t be less than 30 (thirty) business days, which includes 10 (ten) business days for us to process your request and 20 (twenty) business days for communication with third parties (payment processors).
Please note,
  • we refund unused amounts in the currency of payment and rely on the exchange rate at the moment of the last payment. If the amount of the last payment isn't enough for a refund - we will do it under the exchange rate of the last and second-to-last payments;
  • we refund unused amounts on the card/wallet from which the user paid;
  • Third parties (payment processors) may charge additional commission for refunds from unused amounts.
A refund of the Company`s services cost isn't allowed.
Refund of Cost for placement, management, and processing advertisements (advertising budget) is impossible if the user spends all costs from the advertising budget on their own advertising campaigns.
Refund of Cost for placement, management, and processing advertisements (advertising budget) is allowed when
  • The user replenished the account in Service but has not transferred funds to accounts in the advertising systems.
In such cases, the Company will refund the full amount.
  • The user replenished the account in Service, transferred all funds to accounts in the advertising systems, and spent part of them.
In such cases, the Company will refund the unused amount in accordance with the minimal amounts for payments for each Advertising system. For example, suppose the user paid for Telegram Ads in the amount of 700,00 EUR. In that case, the Company may refund 200,00 EUR (the difference between the payment and the minimal amount for payment of 500,00 EUR), and the user must spend the remaining funds on advertising campaigns.
  •  The user replenished the account in Service, transferred part of the funds to accounts in the advertising systems, spent them, and other parts of the funds weren`t transferred to accounts in the advertising systems.
In such cases, the Company may refund costs transferred to accounts in the advertising systems in accordance with minimal amounts for payments for each Advertising system (as described above) and costs that aren't transferred to accounts in the advertising systems.

6. Inactive accounts

An account is inactive if the user does not perform any active actions (e.g., launching/suspending/terminating advertising campaigns) in such account within 1095 days from the date of the last active action.
The Company reserves the right not to refund the balances on such accounts and to include them in its income.
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