Payment Policy for Bank Cards

Last updated: 13.01.2025

This Payment Policy for Bank Cards (“Policy”) is an integral part of the agreement between the users (“You,” “User”) and Advio (“Company,” “We,” “Service Provider,” “our,” or “us”). It governs the terms of payment by users for information and technical services enabling the use of the advio.io Service’s functionality (as an advertising management system) (“Website,” “Service”). It also sets forth the rules for refunds.

Company (Service Provider):
LIMITED COMPANY "PROMOTION DEVELOPMENT GROUP"
Address: 67840, Ukraine, Odesa Region, Odesa District, Molodizhne village, 73 Kvitkova Street
EDRPOU Code: 40375407
Tax ID: 403754015219

1. Acceptance of the Policy

Please carefully read this policy before making a payment through the Service interface. If you disagree with it, you should refrain from making any payments for the services.

We may periodically update this Policy. The updated version takes effect as soon as it becomes available. You are responsible for reviewing the Policy to stay informed of any updates.

2. Changes to Payment Amounts

We may, at our sole discretion and at any time, change the cost of the services.

We will email the address associated with your Advio account, as indicated in the Advio Service, to give you reasonable prior notice of any change before it takes effect.

Your continued use of the Service after the updated cost takes effect constitutes your agreement to pay the revised cost.

3. Payments

As a user, you pay for the information and technical services that enable the use of the advio.io Service’s functionality, which includes:

The cost of the Company’s services (determined as a percentage of the planned (paid) amount of expenses);
The payment of expenses related to the placement and processing of advertising-related information and data.

Payment for services is made and processed via third-party payment systems. We are not responsible for any errors, omissions, or shortcomings caused by such payment processors, nor for any losses, damages, or other liabilities incurred as a result of your use of such payment processors.

Please note:

The payment system may additionally charge you service fees, and we may include tax in the payment;
The percentage of the planned (paid) amount of expenses for each Advertising System where you plan to run advertising campaigns may differ (for example, for Telegram Ads (formerly known as Telegram Ad Platform) the percentage is 15%);
The Company sets minimum payment amounts for each advertising system, which you can review in the Service interface or by sending a request to [email protected].

Cost of the Company’s services. Non-refundable (no exceptions) and not dependent on the actual (used) amount of expenses.

Expenses for the placement and processing of advertising-related information and data. This portion of the payment reflects the amount of funds (sum) that users can utilize for their advertising campaigns for one or more accounts in the Advertising Systems. Once funds are credited to the account in the Service, the user independently allocates the budget, in whole or in part, to the Advertising Systems accounts using the Service interface.

The reporting period is a calendar month. The cost of services for the reporting period consists of the Company’s service fee (a percentage of the planned and paid amount of expenses by the Company) and the actual expenses for the placement and processing of advertising-related information/data used by the User for advertising campaigns during such period.

4. Settlement Currency and Conversion

Settlements under the Agreement are made in Ukrainian Hryvnia (UAH).

If you pay with a UAH card, the Company requests the payment system to convert the payment amount from UAH into a foreign currency (in particular, USD or EUR) at the selling rate set on the interbank foreign exchange market of Ukraine as indicated on the website https://minfin.com.ua/ua/currency/mb/ at the time of payment.

If you pay with a foreign currency card (USD, EUR, or another foreign currency), the conversion takes place in two stages:

First, the Company requests the payment system to convert the payment amount from that foreign currency into UAH at the buying rate of the foreign currency set on the interbank foreign exchange market of Ukraine as indicated on https://minfin.com.ua/ua/currency/mb/ at the time of payment;

Then, the payment system converts the amount from UAH into foreign currency based on the foreign currency selling rate set by this provider at the time of debiting funds from your card.

5. Refund Policy

Users have the right to stop their advertising campaigns without specifying a reason and request a refund of the remaining balance by sending an email to [email protected].

The refund period cannot be less than 30 (thirty) working days, which includes 10 (ten) working days for processing the request by Advio and 20 (twenty) working days for communication with third-party payment systems and the actual return of funds.

Please note:

We refund the remaining balance in the currency of payment, based on the exchange rate of UAH to foreign currency at the time of receiving the last payment. If the last payment amount is insufficient for the refund, we refund the remainder at the exchange rate at the time of receiving the last and previous payments;
We refund the remaining balance to the card (account) from which the user made the payment;
Third parties (payment systems) may deduct additional fees from the refunded balance.

A refund of the Company’s service fee is not allowed.

A refund of expenses for the placement and processing of advertising-related information and data is not possible if the user has spent all the advertising budget funds on their advertising campaigns.

Refunds for expenses for the placement and processing of advertising-related information and data are allowed when:

The User has funded their account in the Service but has not transferred the funds to the Advertising Systems accounts.In such cases, the Company refunds this portion in full.
The User has funded their account in the Service, transferred all funds to the Advertising Systems accounts, and spent part of these funds. In such cases, the Company refunds this portion corresponding to the unused funds, taking into account the minimum payment amounts. For example, if the user paid for Telegram Ads in the amount of 700.00 EUR, the Company may refund 200.00 EUR (the difference between the payment and the minimum payment amount of 500.00 EUR), and the user is obligated to fully expend the remaining funds on their campaigns.
The User has funded their account in the Service, transferred only part of the funds to the Advertising Systems accounts, spent them, and did not transfer the remaining funds to the Advertising Systems accounts. In such cases, the Company may refund the funds credited to the Advertising Systems accounts, based on the minimum payment amounts in the manner described above, and also refund the funds not transferred to the Advertising Systems accounts.

6. Inactive Accounts

An account is considered inactive if the user has not undertaken any active actions (including the launch/suspension/termination of advertising campaigns) in that account for 1095 days from the date of the last active action.

The Company reserves the right not to refund any remaining balances on such inactive accounts and to consider them as the Company’s income.

Payment Policy for Bank Cards

1. Acceptance of the Policy

2. Changes to Payment Amounts

3. Payments

4. Settlement Currency and Conversion

5. Refund Policy

6. Inactive Accounts

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