These Terms and Conditions of Payment (“Payment Terms”) govern all transactions made through payment gateway at https://stlegal.ge (the “Platform”). By initiating a payment, you (“the User”) agree to be bound by these terms.
1. LEGAL IDENTITY & CONTACT INFORMATIONThe service provider is:
• Company Name: ST LEGAL LLC
• Registered Address: 32-34 Gogebashvili str., build. 2, apt. 21
• Identification Number: 204955726
• Email:
[email protected] • Phone: +995 595 11 6006
2. ACCEPTED PAYMENT METHODSWe offer the following secure payment options:
• Credit/Debit Cards: Visa, Mastercard.
• Digital Wallets: Apple Pay and Google Pay.
• Payment Gateway: All transactions are processed via flitt.com, an authorized Payment Service Provider (PSP) regulated by the National Bank of Georgia (NBG).
3. CURRENCY AND PRICING• Transaction Currency: All prices are displayed and processed in GEL.
• Exchange Rates: If your account is in a different currency, the final amount will be determined by your issuing bank's exchange rate at the time of the transaction. We are not responsible for any foreign transaction fees or conversion spreads charged by your bank.
• Taxation: Prices include all applicable taxes unless otherwise stated during the checkout process.
4. SECURITY AND DATA PROTECTION• PCI-DSS Compliance: We do not store your full card number or CVV code. All sensitive data is handled by our PCI-compliant gateway.
• Strong Customer Authentication (SCA): To comply with NBG regulations and PSD2 standards, you may be required to complete "3D Secure" verification (via your banking app or SMS OTP) to authorize the transaction.
• Biometrics: When using Apple Pay or Google Pay, you authorize the transaction using the biometric security (FaceID, TouchID) or passcode on your personal device.
5. RIGHT OF WITHDRAWAL (14-DAY REFUND POLICY)Under the Georgian Law on the Protection of Consumer Rights (Article 13):
• 14-Day Window: You have the right to withdraw from a distance contract (online purchase) within 14 calendar days without providing a reason.
• Commencement: This period begins from the day the contract is concluded (for digital services) or the day you receive the physical product.
• Exceptions: This right does not apply to:
(a) Digital content already accessed or downloaded with your prior express consent.
(b) Services fully performed before the 14-day period expires.
• Refund Process: Upon a valid withdrawal, we will refund all payments received within 14 days using the same payment method used for the initial transaction.
6. ORDER CONFIRMATIONUpon successful payment, an automated confirmation will be sent to your registered email address immediately. This confirmation serves as your digital receipt and proof of transaction.
7. LIMITATION OF LIABILITYWe are not liable for:
• Technical failures of Apple Pay, Google Pay, or the Payment Gateway.
• Unauthorized use of your digital wallet due to your failure to secure your device.
• Refusal of a transaction by your issuing bank for any reason (e.g., insufficient funds, fraud blocks).
8. GOVERNING LAW AND DISPUTE RESOLUTION• Governing Law: These terms are governed by and construed in accordance with the Laws of Georgia.
• Dispute Resolution: In the event of a dispute, the parties shall first attempt to reach an amicable settlement. If no agreement is reached, the dispute shall be submitted to the courts of Tbilisi, Georgia.
• Regulatory Body: You have the right to contact the National Competition Agency of Georgia for consumer rights violations.