TERMS OF SERVICE
Welcome to SKINWALLET.COM operated by
Skinwallet MT Limited
and its affiliates provide you with the best quality service when you use our website, products and software. The following “Terms & Conditions” set out in this document are the mutual rules you are a subject to when using our services. Please read carefully and do not hesitate to contact us if we may be of any help.
1.

Applicability

1.1.
The Terms & Conditions and any other Platform’s documents apply to the relations between any person using the Platform, in particular, the User and SKINWALLET.com arising from and related to the use of the Platform.
1.2.
The Terms & Conditions constitutes a legally binding agreement and are applicable not only to Users, but also to any anonymous users that enter the Platform and by entering they accept the Terms & Conditions.
1.3.
Before making a registration and any transaction Users are encouraged to carefully familiarize with this document. Terms & Conditions may change, as set in the following regulations.
1.4.
The User confirms that they are of the age that according to the respective state law, allows them to assume responsibility for obligations emerging from contractual relations and have full capacity to take legal actions. User must not use the Platform, if she/he are in the age that excludes entering into a valid agreement or are not permitted to use the Platform in accordance to the laws of the Republic of Malta, European Union or any other country or region of the User’s residence.
1.5.
SKINWALLET may sign separate agreements for certain services with Users, that cover the matters regulated by the Terms & Conditions or any other Platform’s documents.
1.6.
Terms & Conditions are written in the English language. If this document is translated into any other language, the English version is binding. In the case of any conflict or discrepancies between the Terms & Conditions and such additional agreements, the additional agreements prevail over the Terms & Conditions unless explicitly stated otherwise in the additional agreements. In the case of discrepancies between the Terms & Conditions and the General Sale Conditions, the General Sale Conditions prevail.
2.

Definitions

2.1.
The capitalized terms and expressions used in this Terms & Conditions mean:
a)
Balance
– indication of founds that may be used to purchase Products assigned to the User’s account,
b)
Buyer
– a​ User who makes a purchase on the Platform;
c)
SKINWALLET
– the company Skinwallet MT Limited registered under laws of Malta, bearing Company Registration No. C96372 and having its registered office at 99, Sir Adrian Dingli Street, Sliema, Malta, email address:
support@skinwallet.com
, tel: +1 (626) 486-9571
d)
General Sales Conditions
– the set of rules that determines sales on the Platform;
e)
Platform
– a group of affiliated websites made available on the Internet from the address:
https://skinwallet.com
f)
Product
- items, goods, and/or services in digital form, which can be downloaded by the User to his Steam account;
g)
User
– any person, who has registered on the Platform;
h)
Terms Conditions
– these terms and conditions, including any attachments thereto.
2.2.
Any references in the Terms & Conditions to the singular include the plural and to plural include singular. References to one gender include all genders.
3.

Acceptance of Terms & Conditions

3.1.
In accordance with these Terms & Conditions, SKINWALLET grants Users a limited, non-exclusive, non-transferable, non-sub licensed, license to access and make personal and non-commercial use of the services provided by the Platform. The license is strictly limited to functionalities of the Platform.
3.2.
In order to use the Platform, the User agrees to and accepts the Terms & Conditions as a whole and without reservations. No purchase or service use will be available without having Terms & Conditions confirmed by the User. Registration on the Platform is equivalent to User having read, understood and accepted Terms & Conditions in full, including the Privacy Policy and any other documentation.
3.3.
The User confirms that under the domestic laws of his country of residence he is able to conclude legally binding agreements. The User agrees that he is not prohibited from using the Platform and services offered on the Platform due to the domestic regulations or other restrictions.
3.4.
The User acknowledges and agrees that SKINWALLET has the right to make changes and modifications to the Terms & Conditions, including the right to draw new provisions and withdraw the old ones, at its own discretion, unilaterally and at any time. Information about the change and modification of the Terms & Conditions will be provided to Users by email in accordance with the contact details provided by the Users in the course of the registration with the Platform, as well as will be published on the Platform.
3.5.
In case of changes to the Terms & Conditions, User, who is further using the Platform, confirms being bound by all changes made to the Terms & Conditions. The User who does not agree with the amended Terms & Conditions should resign from using the Platform. Users are obliged to check on a regular basis whether the Terms & Conditions were subject to amendments.
3.6.
The amended Terms & Conditions will be published on the Platform and become binding for User 10 (ten) days after the information about the changes of Terms & Conditions is delivered to the User. For new Users, the version published on the Platform at the moment of their registration applies immediately.
3.7.
The User unconditionally consents to receive communications electronically and agree that all agreements, notices, disclosures and other communications that SKINWALLET electronically provides meet any legal requirements of such communication in writing. User must ensure that the e-mail address is up to date. SKINWALLET is not responsible for the situations where User does not receive information because of his negligence.
3.8.
Any person who has not registered with the Platform and has not obtained an account is also regarded as having accepted these Terms & Conditions, Privacy Policy and other Platform documentation, from the moment the person chooses to use any of the Platform’s functionalities.
4.

User and User’s account

4.1.
Any person who wishes to benefit from the functionalities offered by the Platform is obliged to register and set up a personal account on the Platform. In order to complete the registration procedure, they should fill out the registration form available on the Platform. Each User may hold only one account on the Platform unless SKINWALLET gives a separate permission to a given User to hold more than one account.
4.2.
SKINWALLET shall provide registered Users with a user account for transactions made on the Platform. The use of this user account is free of charge. The user account is a mere clearing account with user Balance being assigned to it. All the founds are being stored on the SKINWALLET bank account. User may credit funds to his/her Balance by transferring the amount to the SKINWALLET’s bank account. Thereby User acquires an entitlement to payment by the SKINWALLET amounting to the Balance of their user accounts.
4.3.
The technical requirements for the use of the Platform include possessing a device with access to the Internet and software to view websites such as an up-to-date version of web browser.
4.4.
In the registration form, the User is obliged to provide his email address, name, surname and submit a password. In the case of a User who is an entrepreneur, the User is obliged to additionally provide the address of their business premises as well as their tax identification number (including VAT and VAT-UE number). Lack of providing any information which, in the sole discretion of SKINWALLET, is required in order to verify any such new User (regardless if such information is required in these Terms & Conditions), is considered grounds for refusal to proceed with the registration process.
4.5.
In order to complete registration, the person will have to accept Terms & Conditions with Privacy Policy and any other Platform documentation, if any. The User is obliged to ensure that all information provided in the registration form is updated and valid, in particular, that the email address which is used for the purpose of operating the account is valid.
4.6.
Once the registration process is completed, SKINWALLET will assign to the User a personal ID and password. The password can be subsequently changed by the User.
4.7.
The User acknowledges and agrees that SKINWALLET processes the personal data of the User indicated by the User during the registration process for the purposes of rendering of the services on the Platform and enabling proper functioning of the Platform functionalities for the User.
4.8.
The User will be granted access to the functionalities of the Platform after entering the ID and password on the login page. The User is aware that the ID and password are personal and unique. The User is obliged to keep the ID and password secret and is not authorized to share them. Sharing of the ID or password with third parties or giving access thereto to parties other than the User may cause irreversible damage to SKINWALLET or Users. The User is obliged to protect SKINWALLET and other Users against losses and damage caused by the use of their account by third parties. The Users assume responsibility for actions and outcomes of actions of parties, whom they provided with the access to the account, in particular for the actions undertaken on the Platform.
4.9.
The User is aware that the functionalities available on the Platform may differ depending on the country or region, thus certain functionalities may not be available for all Users. The User acknowledges that the access to certain functionalities may be restricted for selected Users
4.10.
SKINWALLET has the right to ask Users to submit eligible documents in copy/scan or send via post to authenticate appropriate information which was fulfilled in registration form. If required documents will not be submitted within 14 (fourteen) days, SKINWALLET has the right to suspend the access to the User’s account or withhold any other actions taken by the User, on sole discretion of SKINWALLET. SKINWALLET will use the documents solely for the purpose of verification of the User compliance with the applicable anti-money laundering regulations and assessment of his tax status. Failure to provide these documents may constitute the reason to refuse registration on the Platform or removal of the account.
4.11.
The user is not allowed to use the Platform to promote any illegal activity or add content that is illegal, in violation of applicable law, obscene, or inappropriate in any other way.
4.12.
In the case of any violation of these Terms and Conditions and the law in force by the User, SKINWALLET reserves its right and possibility to block the User’s account.
4.13.
Due to technical problems, maintenance, or introduction of other changes to the Platform, SKINWALLET has the right to temporarily suspend the access to all or certain functionalities available on the Platform or to the entire Platform. SKINWALLET will take all reasonable efforts to restore such access as soon as possible. For Users who act as consumers, the access to the functionalities of the Platform may be suspended in the cases prescribed by applicable laws.
4.14.
During the purchase process, the User is obliged to indicate her/his place of residence. The User confirms that she/he is aware that SKINWALLET is in possession of tools to detect the localization of User’s network device (and the connection) as regards the country of origin from which the transaction is made and agrees that SKINWALLET may undertake a verification process.
4.15.
In the case of discrepancies between the place of residence indicated by the User and the results of verification made by SKINWALLET, SKINWALLET has the right to block the account of the User.
4.16.
Products sold to, or purchased from, SKINWALLET are subject to the Steam platform's restrictions, and all Users must abide by the restrictions imposed by the Steam platform. SKINWALLET is not liable for loss of funds or goods resulting from decisions made by third parties that provide services necessary for the operation of SKINWALLET.
4.17.
SKINWALLET may introduce an option for a User’s account supported by an cooperating by a third party provider. In this case, the terms of such an account will be regulated by separate contractual provisions.
5.

Payments

5.1.
Joining SKINWALLET, using the Platform and opening of a User’s account is free of charge for the Users.
5.2.
Use of selected payment channels may involve payment of commissions or other fees to the payment service providers. The commissions or other fees may vary depending on the payment services provider used to execute the payment. A number of such commissions or other fees to be charged are indicated on the payment selection page.
5.3.
The User may conduct payments through the payment channels available on the Platform. All the payment channels are mentioned and described on the Platform. Any User who requests to make a payment through one of the payment channels available on the Platform acknowledges and agrees that the payment would be made through websites of the payment services providers and that she/he will duly read and accept the terms and conditions available on such websites before making a payment.
5.4.
In case of credit card payment, in order to proceed the payment transaction, the selling User transfers to the SKINWALLET the title for the ordered product and the SKINWALLET acts as the merchant of record for the buying User in respect of the transaction process. In order to proceed the transaction, SKINWALLET takes responsibility for the ordered product and for the transaction processing. SKINWALLET contacts the buying User in respect of the transaction process, fulfills the ordered Product and handles eventual disputes regarding the ordered Product. SKINWALLET deposits the transaction, receives the settlement from the payment institution and contacts the payment institution on behalf of the selling User. After the payment is processed successfully, the ordered product is provided to the buying User through the Platform The buying User’s bank account will be charged with the reference to the selling User and SKINWALLET.
5.5.
SKINWALLET may temporarily suspend the fees for promotional purposes or for the development of new services. Such changes become effective once a temporary promotional period or a new service is announced on the Platform.
5.6.
All charges and commissions are denominated in USD otherwise changes will be communicated. The amounts of charges and commissions are VAT exclusive and may be increased by the amount of VAT according to the provisions of applicable law. The User is obliged to pay all such fees and taxes relating to his use of the services available on the Platform on time.
5.7.
If certain payment method fails or an invoice is overdue, SKINWALLET reserves its right to demand payment by way of another method of payment, including all possible additional costs of such method.
5.8.
In the case of problems related to the payments made through websites of the payment services providers, the User should contact the payment services provider.
5.9.
The User confirms and asserts that the funds used to pay for any products and services offered on the Platform come from lawful sources. SKINWALLET has all the right to suspend the use of the User’s account or cancel the account or withhold any other actions, if the source of the founds is considered unlawful by SKINWALLET.
5.10.
User revokes this contractual statement within 14 days, without stating a reason. The revocation period is 14 days with effect from the conclusion of contract. In order to exercise User’s right of revocation, User shall send an information to SKINWALLET about his/her decision to cancel a contract by means of a clear statement. To observe the revocation period it is sufficient to send the notice on the exercise of the right of revocation before expiry of the revocation period.
5.11.
If a User cancels a contract, all payments made by the User, including shipping costs shall be promptly refunded by SKINWALLET within 14 days at the latest with effect from the day SKINWALLET has received User’s notice of revocation of this contract. For this refund SKINWALLET will use the same means of payment that the User has used for the original transaction, unless deviating terms were expressly agreed on with the User. In case the User has requested that the provision of services begin during the revocation period, User shall have to pay the appropriate amount for the share of services already provided at the time of User’s notice of exercise of revocation regarding this contract as compared to the total extent of services scheduled according to the contract.
6.

Obligations of SKINWALLET

6.1.
SKINWALLET acts as an agent arranging contracts between Users. Users of the Platform are given the opportunity to place sale offers, to buy and sell Products, and to manage sales procedures via the Platform operated by SKINWALLET. SKINWALLET is no party to the contracts made between the Users. Instead, the fulfillment of the contracts concluded via the Platform is effected exclusively between the Users.
6.2.
Prices of the Products shall be as indicated on the Platform. SKINWALLET shall take all reasonable actions to ensure that the prices of Products are correct at the time when the relevant information was entered into the system.
6.3.
SKINWALLET will cooperate with the Users with regards to all of the questions related to appropriate provision of services on the Platform. Communication shall proceed through the Platform’s “Support” section.
6.4.
SKINWALLET will provide the Users with technical support provided they encounter any problems in relation to the functionality of the Platform or the User’s account.
7.

Prohibited actions

7.1.
The User acknowledges and accepts that it is strictly forbidden to, and asserts that he will refrain from:
a)
using the Platform for purposes other than the use of services offered by SKINWALLET on the Platform, specified in the Terms & Conditions;
b)
using the Platform for purposes not permitted by domestic or international law or aimed at the violation of such laws or third party rights, including intellectual property rights, copyrights, personality rights, or rights relating to personal data protection;
c)
publishing false or misleading information, which may be detrimental to or may expose SKINWALLET, any User or third parties to any harm or damages;
d)
impersonating another person or entity, whether existing or fictional or falsely maintaining to be related to any other person or entity, which may be caused or may expose SKINWALLET, any User or third parties to any harm or damages;
e)
circumventing or disabling the Platform’s security;
f)
defaming, offending, or deceiving other Users of the Platform;
g)
breaking the Platform’s source code or any parts thereof, manipulating it in any way, or modifying, adapting, translating the Platform or any parts thereof, or creating any derivative works on its basis;
h)
disturbing the Platform’s activity or disturbing other Users in using the Platform, in particular by uploading and circulating viruses or any other detrimental software such as adware, spyware, etc.;
i)
discovering access passwords of other Users or breaking into the accounts of other Users, including any attempts thereto;
j)
making payments with the use of funds from unlawful or undisclosed sources, in particular coming from other people or stolen credit/debit/prepaid cards;
k)
using the Platform for money laundering purposes or any related fraudulent or criminal activities;
l)
using the Platform for merchandise of any Product that is intended for the transfer of any cryptocurrencies.
7.2.
Any person whose rights were violated by any content published on the Platform is obliged to notify SKINWALLET of the violation at the following email address:
support@skinwallet.com
, or preferably through the “Support” section of the Platform.
7.3.
Upon receipt of a credible notification, SKINWALLET will immediately remove the data from the Platform and inform the User who is responsible for making available of this data on the Platform that a notification has been filed. SKINWALLET has also the right to suspend the access to the User’s account, suspend the balance on the account or withhold any other actions taken by the User, on sole discretion of SKINWALLET.
7.4.
In case SKINWALLET is charged with any penalty for illegal activities of the Users, by a private or public institution, SKINWALLET will charge back the Users, whose actions caused the penalty. SKINWALLET may also apply security measures by freezing User’s balance on the Platform.
8.

Intellectual Property

8.1.
SKINWALLET is the sole owner and legal licensor of all the rights and interests to the Platform and its content, except for the texts, photography, software or other materials uploaded, transmitted, made available or published by the Users. The intellectual property rights of SKINWALLET are protected by copyright laws around the world. All such rights are reserved.
8.2.
SKINWALLET and related icons and logos are registered trademarks in various jurisdictions and are protected by the relevant copyrights, trademarks or other intellectual property rights. Unauthorized copying, modification, use and publication of such trademarks is prohibited.
8.3.
Within the scope permitted by applicable law, by adding any content to the Platform, the User grants SKINWALLET a non-exclusive, worldwide, permanent, irrevocable and free license to use the content uploaded to the Platform. The license includes the rights to use the content for any and all purposes and in particular reproduction with use of all techniques, including digital, distribution of copies and dissemination in all channels (in particular Internet and Platform itself), replication, modification, translation, making available the work to the public in such a manner that anyone could access it at a place and time selected thereby, creation, use and disposal of works derived from the user content, any other actions related to daily operation and promotion of the Platform. By uploading any content, the User confirms that it is entitled to grant such a license (i.e. covering exploitation of any and all IP rights related to copyrightable works, databases, images of natural persons and any other objects of applicable IP laws). The license is granted for an unspecified period of time; the notice of termination may be submitted by the User the earliest along with termination of the User status with one-year notice period (effective as of the end of the calendar year). Along with the license, the User grants SKINWALLET a right to modify content uploaded to the Platform, to use and dispose of derivative works to the content uploaded to the Platform and to exercise derivative copyrights applicable thereto vis-à-vis third persons – all on the fields of exploitation listed above in this section 10.3.
8.4.
Unauthorized use, copying, modification or publication of any content or materials available on the Platform without obtaining a license to do so from SKINWALLET is strictly forbidden.
8.5.
SKINWALLET is allowed to provide Users hyperlinks on Platform with other Product’s providers, e.g. banners, channels – leading them to the websites of such providers. SKINWALLET is not liable for the certainty, accuracy or trustworthiness of information submitted by mentioned providers. SKINWALLET recommends reading all documents in sites of such providers. SKINWALLET has no control in there providers actions.
8.6.
All rights of SKINWALLET or its licensors, suppliers, owners or other persons are protected even if it is not expressly granted in these Terms & Conditions.
9.

Liability

9.1.
In the case SKINWALLET fails to comply with the Terms & Conditions, SKINWALLET shall be responsible only for loss or damage the User suffered that are a foreseeable result of SKINWALLET’s breach of Terms & Conditions or SKINWALLET’s negligence, but SKINWALLET shall not be responsible for any loss or damage that is not foreseeable to it. Loss or damage is foreseeable if they were an obvious consequence of SKINWALLET’s breach. SKINWALLET is not responsible for any loss of profit, loss of business, business interruption or loss of business opportunity.
9.2.
SKINWALLET cannot be held liable for any specific, direct, indirect, punitive, incidental or consequential damage or any other damage (including but not limited to loss of profit or savings, business disruptions and loss of information) as a result of:
a)
the use of the Platform, accessing it or the inability to use the Platform by a User due to force majeure or any other reasons beyond SKINWALLET’s control, including the damages caused by the viruses which may be transferred to the Platform or through the Platform by third parties;
b)
violation by the User of these Terms & Conditions, including submission of false data or submission of false or untrue statements or conduct;
c)
any harm, damage, claims, compensation, non pecuniary damages in relation to claims of one User against another User;
d)
damaging goods, samples, data, information or services purchased or obtained from the User or any third party via the Platform;
e)
infringing any third party rights or claims and/or receiving any demands in relation to the manufacturing, import, export, distribution, offering, presentation, purchase, sale and/or use of products or services offered on the Platform and the fact that they may infringe or be deemed to infringe any third party rights;
f)
any data or private information being accessed by any third party in an unauthorized manner;
g)
any other matter relating to the Platform that may amount to negligence.
9.3.
SKINWALLET is not responsible with respect to any damages resulting from the accounting and tax settlements of the Users as well as the compliance of their tax returns, ledgers and accounting books with the applicable laws.
9.4.
User recognizes that SKINWALLET has absolutely no involvement in the actual design and manufacture of the Products and shall not be liable for any damages caused by those Products’ malfunction.
9.5.
Using malicious software (scripts, bots, hacks) for the purpose of gaining an unlawful advantage over the competition or to abuse any of the promotions or deals available on the Platform is prohibited. Any accounts and Users associated with such actions will be held responsible. This may result in the account(s) being terminated and any due money withheld from being returned and/or paid to the User(s).
9.6.
SKINWALLET will not be liable or responsible for any failure to perform, or delay in performance of, any of SKINWALLET obligations under the Terms & Conditions that is caused by an event outside of SKINWALLET’s control. An event outside of SKINWALLET’s control means any act or event beyond SKINWALLET’s reasonable control, including without limitation SKINWALLET’s Steam account ban or cancelation, strikes, lock-outs or other industrial action by third parties , civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation of war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks or impossibility or the use of railways, shipping, aircraft, motor transport or other means of public or private transport.
9.7.
Each User shall be personally responsible for her/his act of downloading, uploading or otherwise obtaining any material from and via the Platform, and the User will be held liable for all loss and/or damages that may be caused to SKINWALLET as a result of downloaded or uploaded material.
10.

Complaints procedure

10.1.
If the User experienced a problem related to the services rendered by SKINWALLET, in particular with the functioning of the Platform, SKINWALLET or any other violation of Terms & Conditions, she/he has the right to file a complaint.
10.2.
Complaints mentioned in Section 14.1., should be sent by email to the following email address:
support@skinwallet.com
10.3.
Any complaint should include:
a)
a detailed description of the problem,
b)
transaction information,
c)
any evidence which may serve to prove the problem,
d)
suggested solution satisfactory for the User.
10.4.
SKINWALLET shall put its best effort to resolve any complaint within fourteen days from the date of delivery of the complaint to SKINWALLET.
11.

Termination of account

11.1.
The User has the right to terminate the agreement with SKINWALLET without a cause, by removing her/his account from the Platform. It can be done by the request at the User’s account system. SKINWALLET is obliged to issue a written confirmation of receipt of the request. SKINWALLET shall remove the account after 7 (seven) days after the day the request was submitted. During this time, the User has the right to cancel the removal request.
11.2.
SKINWALLET has the right to terminate the agreement without a cause by removing User’s account or blocking the access to the Platform upon a 10 (ten) days’ written notice. In the case of gross violations of the Terms & Conditions, SKINWALLET has the right to terminate the agreement with immediate effect.
12.

Final provisions

12.1.
The agreement between the User and SKINWALLET for the provision of services specified is concluded for an indefinite period of time.
12.2.
Any communication with the Platform administration shall be made by email to the address:
support@skinwallet.com
12.3.
Without prejudice to the provision of law applicable in relations with the consumers, the Terms & Conditions and any other documents related to the functioning of the Platform and services rendered through the Platform are governed by and should be interpreted in accordance with laws of Republic of Malta.
12.4.
If any provision of the Terms & Condition proves to be invalid or ineffective, it will not affect the validity of the remaining provisions. Invalid or ineffective provision will be replaced by such valid provision which reflects the economic value, the intention of the parties and objective of the invalid or ineffective provisions to the highest extent. The pertinent clause does not apply to the Users who act as consumers.
12.5.
Privacy Policy, General Sales Conditions and any other Platform documentation are integral part of the Terms & Conditions and bind all User’s.
12.6.
Without the written permission of SKINWALLET, Users have no right to transfer their obligations, claims or rights to third parties. Users agree that SKINWALLET shall have the right to transfer its’ rights and obligations arising from the agreements to third parties. SKINWALLET shall inform Users of such transfer.
12.7.
Except otherwise provided in these Terms & Conditions, no delay of SKINWALLET or Users to exercise any right or to perform an obligation under these Terms & Conditions shall be considered as a waiver of such right or excuse from the performance of such obligation and separate or partial performance of any obligation. Separate or partial exercise of any right shall not mean that this obligation need not be performed of this right may not be exercised in the future.
12.8.
All the data and information stored on the Platform can be used by SKINWALLET on purpose to its’ functioning.
Mastercard payment
Visa payment
Conotoxia Pay payment
G2A Pay payment
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Skinwallet MT Limited
99, Sir Adrian Dingli Street,
Sliema, Malta
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