Last Updated: November 2020

The following terms (these “Payment Terms”) govern payments you make or receive through www.procharm.me and mobile applications (the “ProCharmMe”), operated by WisdomLogic LLC. 

Please read these Payment Terms carefully before making or receiving payments through the Site. By making or receiving payments through the ProCharmMe, you accept and agree, on behalf of yourself or on behalf of your employer or any other entity (if applicable), to be bound and abide by these Payment Terms. These Terms are supplemental to ProCharmMe Terms of Service, as applicable (collectively, the “Terms of Service”).

Key Terms

ProCharm Balance is the aggregated amount of your Revenue as a Pro and/or returned payments from canceled orders as a Buyer.

Payment Services Provider(s) are service providers that provide payment services to Buyers and Pros in connection with ProCharmMe, including with respect to collection of funds from Buyers in connection with purchases, remittance and withdrawal of funds to Pros.

Revenue is the money that Pros earn from completed orders and can either withdraw or use to purchase on ProCharmMe, subject to these Terms.  

Receiving Payments

General 

Each ProCharm you sell and successfully complete, accredits your account with revenue equal to 80% of the purchase amount.

ProCharmMe accredits Pros once an order is successfully completed. See the “Orders” section in the Terms of Service for a definition of a completed order.

If an order is canceled (for any reason), the funds paid will be returned to the Buyer’s ProCharm Balance. 

Pros are responsible for paying any direct or indirect taxes, including any GST, VAT or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction. Pros represent and warrant that they comply, and will comply at all times, with their obligations under income tax provisions in their jurisdiction. The price shown on the ProCharmMe page is inclusive of all such taxes and charges that may apply to the Pros.

Appointment as Limited Payment Collection Agent: Pro hereby appoints ProCharmMe as Pro’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Buyer, and remitting those payments to Pro.  Pro agrees that payment from Buyer to ProCharmMe shall be considered the same as a  made directly to Pro. Buyer’s payment obligation to Pro will be satisfied upon receipt of payment by ProCharmMe (or its Payment Services Provider, as applicable), and ProCharmMe (via its Payment Services Provider, as applicable) is responsible for remitting the funds to the Pro in the manner described in these Payment Terms. In the event that ProCharmMe (via Payment Services Provider) does not remit any such amounts to Pro, the Pro will have recourse only against ProCharmMe and not the Buyer directly. Pro agrees that ProCharmMe may describe or otherwise reflect the terms contained herein in any terms of service, receipts, disclosures, or notices including, but not limited to, receipts provided to Buyers that ProCharmMe may deem necessary or prudent.

ProCharmMe partners with Payment Services Providers for purposes of collecting payments from Buyers, transferring such payments from Buyers to Pros, and holding funds in connection with ProCharm Balances. All payments services in connection with the withdrawal of funds on the ProCharmMe platform are performed by ProCharmMe’s Payment Services Providers.

Withdrawing Revenues

To withdraw your revenue, you must have an account with at least one of ProCharmMe‘s Payment Service Providers for the withdrawal methods listed below. All funds eligible for Withdrawal will be held on your behalf at an account with ProCharmMe’s Payment Services Provider.  All payment services, including withdrawal services, will be provided by ProCharmMe’s Payment Services Provider.

Your ProCharmMe profile can be associated with only one account from each ProCharmMe withdrawal method. A Payment Service Provider withdrawal account can be associated with only one ProCharmMe profile.

Sellers may withdraw their revenues using one of ProCharmMe’s withdrawal options.

For security concerns, ProCharmMe may temporarily disable a Pro’s ability to withdraw revenue to prevent fraudulent or illicit activity. This may come as a result of security issues, improper behavior reported by other users, or associating multiple ProCharmMe accounts to a single withdrawal provider.

Buyer has a 100% satisfaction guarantee on the received service. To support the buyer guarantee, Pro has to maintain the reserve amount in his/her balance. The reserve amount is based on Pro’s monthly revenue and Pro level. Any fund that is over the reserve amount is the eligible fund to withdraw. Withdrawals requests can be created only against eligible funds available to you.

Withdrawal fees vary depending on the withdrawal method.

Withdrawals are final and cannot be undone. We will not be able to reverse this process once it has begun.

In certain cases, Pros may withdraw Revenues in several different currencies. All currency exchange services in connection with such withdrawals are performed by ProCharmMe’s Payment Services Providers. Your ProCharm Balance is always derived from its US$ value and, therefore, the local currency amount of your ProCharm Balance may change daily in accordance with exchange rate fluctuations and also includes conversion fees. Sellers always have the option to withdraw Revenues in US$.

Pros will be able to withdraw their revenues from disabled accounts after a safety period of 90 days following full verification of ownership of the account in question, from the day of the last cleared payment received in their account and subject to ProCharmMe‘s approval.

Withdrawal Methods

Withdraw Fee may be applicable as per the Payment Service Provider. 

* Additional fees may apply based on your location and currency.

Purchasing

General

Buyers pay ProCharmMe to create order from a Pro’s ProCharm page, using the Enroll Now button. ProCharmMe partners with Payment Services Providers for purposes of collecting all payments from Buyers, transferring such payments from Buyers to Pros, and holding funds in connection with ProCharm Balances. All payments services in connection with the collection of funds on the ProCharmMe platform are performed by ProCharmMe’s Payment Services Providers.

ProCharmMe serves as Pro’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Buyer, and remitting those payments to Pro. Buyer’s payment obligation to Pro will be satisfied upon receipt of payment by ProCharmMe (or its Payment Services Provider, as applicable), and ProCharmMe (via its Payment Service Provider, as applicable) is responsible for remitting the funds to the Pro in the manner described in these Payment Terms. In the event that ProCharmMe (via Payment Services Provider) does not remit any such amounts to Pro, the Pro will have recourse only against ProCharmMe and not the Buyer directly.

In most locations, purchases on ProCharmMe can be made by using one of the following payment methods: Credit Card, PayPal, ProCharmMe Credits or existing ProCharm Balance. Additional payment methods may apply in certain locations. More information on available payment methods is available here.

Service fees are added at the time of purchase where you can review and accept the total amount requested to pay. These fees cover administrative fees. As of November 2020, the service fees are 5% of the purchase amount. For purchases under $50 an additional $2 small order fee will be applied.

Your existing ProCharm Balance will be automatically applied to your next purchase.

You may not offer Pros to pay, or make payment using any method other than through ProCharmMe. In case you have been asked to use an alternative payment method, please report it immediately to Customer Support here.

To protect against fraud, unauthorized transactions (such as money laundering), claims, or other liabilities, payment information in connection with withdrawals is collected by ProCharmMe Payment Services Providers. Payment Services Providers may also collect such other information as necessary for the purpose of processing withdrawal payments.  ProCharmMe is not exposed to the payment information provided to Payment Services Providers, and this information is subject to the privacy policy applicable to the Payment Service Provider. Please see our Privacy Policy for more information here.

By using any payment method and/or providing payment details for making purchases on ProCharmMe, you represent and warrant that: (a) you are legally authorized to provide such information; (b) you are legally authorized or have permission to make payments using the payment method(s); (c) if you are an employee or agent of a company or person that owns the payment method, you are authorized by that company or person to use the payment method to make payments on ProCharmMe; and (d) such actions do not violate any applicable law.

Local Currencies

You can pay on ProCharmMe in several different currencies. Unless stated otherwise, you will be charged in the currency displayed on the payment page. All currency exchange services in connection with payments in local currencies are performed by ProCharmMe’s Payment Services Providers. In certain cases, however, when certain currencies are not supported by certain payment methods, you will be charged in US$ even if the price is displayed in another currency. In any event, the actual charged amount (in the actual payment currency) will be clearly disclosed to you before you complete the payment.

Note that all prices on ProCharmMe are derived always from their original US$ price and, therefore, non-US$ currency prices may change daily in accordance with exchange rate fluctuations and may also include conversion fees. Buyers always have the option to pay in US$ by changing their selected displayed currency.

If you paid for an Order in a currency other than US$ and your Order was later canceled for any reason, the amount returned to your ProCharm Balance would be based on the exchange rate as of the date of cancellation. Therefore, the returned amount may vary from the paid amount in local currency terms, while always maintaining the same US$ value.

Your ProCharm Balance is always valued in US$, even if it is displayed in a non-US$ currency. Therefore, should you choose to view your ProCharm Balance in any currency other than US$, it may change daily in accordance with exchange rate fluctuations, while always maintaining the same US$ value. Users always have the option to view their ProCharm Balance in US$ by changing their selected displayed currency.

ProCharm Credits

In certain instances, ProCharmMe may offer you credits (“ ProCharm Credits” or “Credits”), either for promotional purposes or otherwise, to be used for purchasing ProCharms and/or other services offered on the Site. Your available Credit balance will appear in your account. Your valid ProCharm Credits will be automatically applied to your next purchase and can be viewed in your order summary after you place the order. Unless stated otherwise, ProCharm Credits expire following three months from their receipt. ProCharm Credits serve only as an incentive to use ProCharmMe, and, therefore, are not redeemable for cash, have no cash value and are nonrefundable. Once used, ProCharm Credits may not be returned to your account even if your Order gets canceled. ProCharm Credits may be subject to additional conditions and restrictions as will be disclosed to You upon receipt of the Credits. Credits may be voided in the event of fraud, misuse, or violation of these Terms. ProCharmMe reserves the right to modify or cancel the ProCharm Credits program at any time. If you or ProCharmMe deactivate or suspend your ProCharmMe account, any unused ProCharm Credits in your account will be forfeited.

Promo Codes

From time to time we may offer you promo codes for purchasing ProCharms and/or other services offered on the Site, on special discounts. Promo Codes are valid only for purchases on ProCharmMe and are subject to different time limitations and will expire after their predefined term. To exercise your promo code, simply enter the code on the checkout page. If you fail to do so, your purchase will not be eligible for the discount. Promo codes are limited to one use per user and may not be used or combined with any other promotion. For orders that are composed of one or more milestones, the promo code will apply to the first milestone only. Promo Codes do not apply to ProCharm Credits. Promo codes may be subject to additional conditions and restrictions as will be disclosed to you upon receipt of the promo codes. Promo codes may be voided in the event of fraud, misuse, or violation of the Terms of Service. ProCharmMe reserves the right to modify or cancel promo codes at any time.

Taxes

ProCharmMe may be required by applicable laws to charge users with indirect taxes (such as Sales Tax, VAT or GST) or to withhold taxes. Any amount ProCharmMe will be required to collect will be in addition to the purchase amount and any other fees payable by the Buyer, and any amount ProCharmMe will be required to withhold will be deducted from the Seller’s revenue, as required by applicable laws.

Indirect taxes are in addition to the price shown on the site, and in any event, any such taxes will always be displayed to the Buyer before payment. 

Users are responsible for paying any direct or indirect taxes, including any GST, VAT, or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction.

Disputes and Cancellations

ProCharmMe encourage our Buyers and Pros to try and settle conflicts amongst themselves. If for any reason this fails users can contact here.

Basics

Order cancellations can be performed on ProCharmMe, when eligible, by contacting us here.

Filing a transaction dispute or reversing a payment through your payment provider or your bank is a violation of these Payment Terms. Doing so may get your account temporarily or permanently disabled. Note: Once you have filed a dispute with your payment provider, the funds will be ineligible for a refund due to our obligations towards the payment provider.

ProCharmMe, through its Payment Services Provider, reserves the right to cancel orders or place funds on hold for any suspected fraudulent transactions made on the Site.

All transfer and assignment of intellectual property to the Buyer shall be subject to full payment and the delivery may not be used if payment is canceled for any reason.

If an order is canceled (for any reason), the funds paid will be returned to the Buyer’s ProCharm Balance.

Order Cancellations

ProCharmMe encourages Buyers and Pros to resolve service disputes mutually. If for any reason this fails users can contact here.

In rare circumstances where we find it appropriate, our Customer Support team may cancel a completed order even after 14 days have passed from its completion. In such cases, the amounts paid for the canceled order will be returned to the Buyer’s ProCharm Balance and will be deducted from the Pro’s ProCharm Balance or, if there are no sufficient amounts in the Pro’s ProCharm Balance, from future revenues of such Pro.

Orders are not eligible to be canceled based on the quality of service delivered by the Pro if the service was rendered as described in the ProCharm Page. You may rate your experience with the Pro on the ProCharm Page, including the overall level of service quality received.

Customer Support will not take any action against Orders where the applicable has failed to inform their Pro of issues related to the Pro’s service and will allow Pros to provide a resolution first. This does not include non-permitted usage of ProCharmMe.

Any non-permitted usage of ProCharmMe encountered during an Order, after being reviewed by our Customer Support team, may result in the order being canceled. This includes, but not limited to; harassment, unlawful behavior, or other violations of ProCharmMe’s Terms of Service.

ProCharmMe Customer Support will cancel orders based on, but not limited to, the following reasons:

The Pro has not confirmed the Buyers ProCharm enrollment within 24 hours of the enrollment order.

Users are abusive towards the other party through threats of low ratings or leveraging order materials (such as logins, personal information) against each other.

Users supplied or included copyright/trademark infringing materials as part of their requirements or the Pro’s delivery.

The user is no longer an active ProCharmMe user due to Terms of Service violations or closure of their account.

Multiple reported offenses will result in permanent suspension of your account.

The Pro delivers no files and/or proof of work related to the agreed upon order requirements. Note: Subjectivity of the materials in question will be reviewed by our Customer Support team.

Users who threaten to leave a damaging review to gain more services from the Pro not related to the agreed requirements.

Users who have been reported to use copyright/trademark infringing materials after verification and with proof.

Refunds

ProCharmMe does not automatically refund payments made for canceled orders back to your payment provider. Funds from order cancellations are returned to the ProCharmMe‘s ProCharm Balance and are available for future purchases on ProCharmMe. 

Deposit refunds (i.e. refunds directly to your payment provider) can be performed by our Customer Support team, based on the Order’s original payment amount and currency. To prevent fraud and abuse, we limit the total amount of times users can request a payment provider refund, which is subject to review by our Customer Support team. Such refunds may be subject to an additional fee.

General Terms

Modifications

ProCharmMe may make changes to these Payment Terms from time to time. When these changes are made, ProCharmMe will make a new copy of the terms available on this page.

You understand and agree that if you use ProCharmMe after the date on which the Payment Terms have changed, ProCharmMe will treat your use as acceptance of the updated Payment Terms.