1. Introduction

Welcome to CHAAMO. These Terms of Service (“Terms”) govern your access to and use of our platform, including our website, mobile application, and any associated services (collectively, the “App”). By using CHAAMO, you agree to comply with and be bound by these Terms.

Our goal is to keep this Agreement as clear and straightforward as possible while ensuring full legal compliance. These Terms outline important information about your rights, responsibilities, and obligations when using our services. They also explain our policies regarding payments, refunds, disputes, and other key aspects of the CHAAMO platform.

If you do not agree to these Terms, you must not use CHAAMO.

2. Your Acceptance of this Agreement
These Terms of Service are entered into by and between You and CHAAMO LTD, d/b/a CHAAMO (“Company,” “we,” “our,” or “us”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively “Terms of Service”), govern your access to and use of the CHAAMO app, including any content, functionality, and services offered on or through the CHAAMO app (the “App”), whether as a guest or a registered user. We offer the following service that is subject to these Terms of Service: Pre-sale memberships (collectively “Services”).

Please read the Terms of Service carefully before you start to use the App.

By using the App [or by clicking to accept or agree to the Terms of Service when this option is made available to you], you accept and agree to be bound and abide by these Terms of Service and our Privacy Policy, incorporated herein by reference. If you do not want to agree to these Terms of Service, you must not access or use the App.

You must be at least 18 years old to use this App. CHAAMO does not permit or approve the use of its services by individuals under the age of 18.

By accessing or using the App, you confirm that you are at least 18 years old. If it is determined that a user is under 18, CHAAMO reserves the right to immediately suspend or terminate the account without prior notice.

CHAAMO accepts no responsibility or liability for any unauthorised use of the App by individuals under 18.

BY ACCESSING AND USING THIS APP, YOU:

• ACCEPT AND AGREE TO BE BOUND AND COMPLY WITH THESE TERMS OF SERVICE;
• REPRESENT AND WARRANT THAT YOU ARE THE LEGAL AGE OF MAJORITY UNDER APPLICABLE LAW TO FORM A BINDING CONTRACT WITH US; AND,
• AGREE THAT IF YOU ACCESS THE APP FROM A JURISDICTION WHERE IT IS NOT PERMITTED, YOU DO SO AT YOUR OWN RISK.
  

3. Updates to Terms of Service
We may revise and update these Terms of Service from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the App thereafter.

Continuing to use the App or making subsequent purchases following the posting of revised Terms of Service means that you accept and agree to the changes. You are expected to check this page each time you access this App so you are aware of any changes, as they are binding on you.

4. Your Responsibilities

You are required to ensure that all persons who access the App are aware of this Agreement and comply with it. The App, including content or areas of the App, may require user registration. It is a condition of your use of the App that all the information you provide on the App is correct, current, and complete.

Any username, password, or any other piece of information chosen by you or provided to you as part of our security procedures must be treated as confidential, and you must not disclose it to any other person or entity. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you log out from your account at the end of each session. You are responsible for any password misuse or any unauthorized access.

YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR YOUR USE OF THE APP AND YOUR DEVICE, INTERNET, AND DATA SECURITY.

5. Prohibited Activities
You may use the App only for lawful purposes and in accordance with these Terms of Service. You agree not to use the App:

• In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the exports of data software to and from the U.S. or other countries).
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
• To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Submission Standards set out in these Terms of Service.
• To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other persona or entity (including, without limitation, by using email addresses associated with any of the foregoing).
• To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the App or which, as determined by us, may harm the Company or users of the App, or expose them to liability.

Additionally, you agree not to:

• Use the App in any manner that could disable, overburden, damage, or impair the App or interfere with any other party’s use of the App, including their ability to engage in real-time activities through the App.
• Use any robot, spider, or other automatic device, process, or means to access the App for any purpose, including monitoring or copying any of the material on the App.
• Use any manual process to monitor or copy any of the material on the App, or for any other purpose not expressly authorized in these Terms of Service, without our prior written consent.
• Use any device, software, or routine that interferes with the proper working of the App.
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the App, the server on which the App is stored, or any server, computer, or database connected to the App.
• Attack the App via a denial-of-service attack or a distributed denial-of-service attack.
• Otherwise attempt to interfere with the proper working of the App.

6. Intellectual Property Rights
The App and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms of Service permit you to use the App for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our App, except as follows:

• Your device may temporarily store copies of such material in RAM incidental to your accessing and viewing those materials.
• You may store files that are automatically cached by your Web browser for display enhancement purposes.
• You may print or download one copy of a reasonable number of pages of the App for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
• If we provide desktop, mobile, or other applications for download, you may download a single copy to your device solely for your own personal, non-commercial use, provided you agree to be bound by our End User License Agreement for such applications.

You must not:

• Modify copies of any materials from this App.
• Delete or alter any of the copyright, trademark, or other proprietary rights notices from copies of materials from this App.

You must not access or use for any commercial purposes any part of the App or any services or materials available through the App.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the App in breach of the Terms of Service, your right to use the App will stop immediately, and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the App or any content on the App is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the App not expressly permitted by these Terms of Service is a breach of these Terms of Service and may violate copyright, trademark, and other laws.

7. User Submissions and Submission Standards
The App may provide you with the opportunity to create, submit, post, display, transmit, publicise, distribute, or broadcast content and materials to us or in the App, including but not limited to text, writings, video, audio, photographs, graphics, comments, ratings, reviews, feedback, personal information, or other material (collectively, “Content”). You are responsible for your use of the App and for any content you provide, including compliance with applicable laws, rules, and regulations.

All User Submissions must comply with the Submission Standards and Prohibited Activities set out in these Terms of Service.

Any User Submissions you post to the App will be considered non-confidential and non-proprietary. By submitting, posting, or displaying content on or through the App, you grant us a worldwide, non-exclusive, royalty-free license to use, copy, reproduce, process, disclose, adapt, modify, publish, transmit, display, and distribute such Content for any purpose, commercial advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Content, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media format and through any media channels.

You represent and warrant that:

• You own or control all rights in and to the User Submissions and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns.
• All of your User Submissions comply with these Terms of Service.

We do not assert any ownership over your Content. You retain full ownership of all of your Content and any intellectual property rights or other proprietary rights associated with your Content. We are not liable for any statement or representation in your Content provided by you in any area in the App. You are solely responsible for your Content related to the App, and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Content.

We are not responsible or liable to any third party for the content or accuracy of any User Submissions posted by you or any other user of the App. User Submissions are not endorsed by us and do not necessarily represent our opinions or the views of any of our affiliates or partners. We do not assume liability for any User Submission or for any claims, liabilities, or losses resulting from any review.

We have the right, in our sole and absolute discretion, to:

1. Edit, redact, or otherwise change any Content.
2. Recategorize any Content to place it in more appropriate locations in the App.
3. Pre-screen or delete any Content at any time and for any reason, without notice.

We have no obligation to monitor your Content. Any use of the App in violation of these Terms of Service may result in, among other things, termination or suspension of your right to use the App.

These Submission Standards apply to any and all User Submissions. User Submissions must, in their entirety, comply with all the applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Submissions must not:

• Contain any material that is defamatory, obscene, indecent, abusive, offensive, misleading, harassing, violent, hateful, inflammatory, or otherwise objectionable.
• Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
• Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
• Violate the legal rights of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may conflict with these Terms of Service and our Privacy Policy.
• Be likely to deceive any person.
• Promote any illegal activity, or advocate, promote, or assist in any unlawful act.
• Cause annoyance, inconvenience, or needless anxiety, or be likely to upset, embarrass, alarm, or annoy any other person.
• Impersonate any person or misrepresent your identity or affiliation with any person or organization.
• Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.
• Give the impression that they emanate from or are endorsed by us or any other person or entity if this is not the case.

8. Our Rights
We have the right, without provision of notice, to:

• Remove or refuse to post any User Submission for any or no reason in our sole discretion.
• Take any action with respect to any User Submission that we deem necessary or appropriate in our sole discretion, including if we believe that such User Submission violates the Terms of Service, including the Submission Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the App or the public, or could create liability for the Company.
• Take appropriate legal action, including, without limitation, referral to or cooperation with law enforcement or regulatory authorities or notifying the harmed party of any illegal or unauthorized use of the App.
• Terminate or suspend your access to all or part of the App for any or no reason, including, without limitation, any violation of these Terms of Service.

9. Third-Party Links and Content
For your convenience, this App may provide links or pointers to third-party sites or third-party content. We make no representations about any other apps, websites, or third-party content that may be accessed from this App. If you choose to access any such sites or content, you do so at your own risk. We have no control over the third-party content or any such third-party sites and accept no responsibility for such sites or for any loss or damage that may arise from your use of them. You are subject to any terms and conditions of such third-party sites.

10. Software
By downloading our software, you acknowledge and agree to our End User License Agreement (“EULA”). The terms of the EULA will govern your use of the software.

11. Mobile Application
By using our mobile application, you acknowledge and agree to our EULA as well as the following:

1. If the mobile application fails to conform to any applicable warranty, you may notify the applicable application distributor, and the application distributor may refund any applicable purchase price in accordance with its terms and policies. To the maximum extent permitted by applicable law, the application distributor will have no other warranty obligation with respect to the mobile application.
2. You represent and warrant that:
   • You are not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a “terrorist-supporting” country.
   • You are not listed on any U.S. government list of prohibited or restricted parties.
   • You are located in one of the following countries where our mobile application operates:
     • United Kingdom (UK)
     • United States (US)
     • Canada
     • Australia
     • France
     • Germany
     • Italy
     • Spain
3. You must comply with applicable third-party terms of service when using the mobile application.
4. You acknowledge and agree that the application distributors are third-party beneficiaries of the terms and conditions in this mobile application license contained in these Terms of Service and that each application distributor will have the right to enforce the terms and conditions in this mobile application license contained in these Terms of Service against you as a third-party beneficiary thereof.

12. Online Orders

• Where an order indicates a license is being purchased:
  • All uses on this app of the terms “sell”, “sale”, “resell”, “resale”, “purchase”, “price”, and the like mean the purchase or sale of a license.
  • You will comply with all terms and conditions of the applicable license Terms of Service for any goods, digital products, or information you obtain through this app, and you will not cause, induce, or permit others’ non-compliance with the terms and conditions of any license Terms of Service for the goods, digital products, or information.
  • Except for the limited license granted under the relevant license Terms of Service, nothing in these Terms of Service grants any right, title, or interest in or to (including any license under) any intellectual property rights in or relating to the goods, digital products, or information, whether expressly, by implication, estoppel, or otherwise. All rights, title, and interest in and to the goods, digital products, or information are and will remain with the Company or its licensors, as applicable.

13. Payment and Fees

All payments on the CHAAMO platform are processed through PayPal. As such, CHAAMO only accepts payment methods that are supported by PayPal. The availability of payment methods is subject to PayPal’s policies and may vary by region. CHAAMO does not control which payment methods are accepted and reserves the right to update or modify payment processing terms in accordance with PayPal’s policies.

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the app and to promptly update account and payment information, including email address, payment method, and payment card expiration date, in order to complete your purchases and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in GBP.

You agree to pay all charges or fees at the prices then in effect for your purchases, and you authorise us to charge your chosen payment provider for any such amounts upon making your purchase.

If your purchase is subject to recurring charges, you must keep a valid payment method on file with the Company to pay for all incurred and recurring fees. The Company will charge applicable fees to any valid payment method that you have provided, and you will be invoiced automatically as outlined in the order. You authorise such payment of recurring fees without requiring your prior approval for each recurring charge until you notify us of your cancellation, or the Company terminates in writing in accordance with these Terms of Service, or until the recurring contract ends, and any and all outstanding fees and charges have been paid in full.

We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment. We also reserve the right to refuse any order placed through the app.

From time to time, the Company may offer a limited free trial and/or promotional codes for a specified period, which may be subject to additional terms. We have sole discretion to determine your eligibility for trials and/or promotional codes. If you are required to provide payment information in connection with your trial, your first payment will be charged to your chosen payment method following the expiration of the trial unless earlier terminated in accordance with these Terms of Service. You may not receive a separate notice that your free trial is about to end or has ended, or that your paid subscription has begun.

14. Cancellation
You can cancel your subscription at any time by logging into your account or contacting us using the contact information provided below. Your cancellation will take effect at the end of the current billing period.

Subscription purchases are non-refundable, have no monetary value (e.g., they are not a cash account or equivalent), and represent only a non-exclusive, revocable, non-assignable, and non-transferable right to use the subscription.

For in-app purchases made through the iOS App Store or Google Play Store, any refund requests must be directed to the respective platform’s support services (i.e., Apple or Google). CHAAMO is not responsible for processing refunds for in-app purchases, as these transactions are governed by the policies and procedures of the respective app stores.

You may not transfer, sell, purchase, barter, or trade your subscriptions, nor attempt or offer to do so. Any attempted transfer will be considered null and void.

Except as required by applicable law, CHAAMO is not responsible for any refunds or credits related to modified, suspended, or terminated subscriptions.

If you have further questions about cancellations, please contact us at hello@chaamo.com.

15. Disclaimers, Liability, and Indemnification
YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE APP, ITS CONTENT, AND ANY GOODS, DIGITAL PRODUCTS, SERVICES, INFORMATION, OR ITEMS FOUND OR ATTAINED THROUGH THE APP IS AT YOUR OWN RISK. THE APP, ITS CONTENT, AND ANY GOODS, SERVICES, DIGITAL PRODUCTS, INFORMATION, OR ITEMS FOUND OR ATTAINED THROUGH THE APP ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

YOU ACKNOWLEDGE AND AGREE THAT THE COMPANY OR ITS RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, OR SUCCESSORS MAKE NO WARRANTY, REPRESENTATION, OR ENDORSEMENT WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, SUITABILITY, ACCURACY, CURRENCY, OR AVAILABILITY OF THE APP OR ITS CONTENTS OR THAT ANY GOODS, SERVICES, DIGITAL PRODUCTS, INFORMATION, OR ITEMS FOUND OR ATTAINED THROUGH THE APP WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR APP OR THE SERVER THAT MAKES IT AVAILABLE OR CONTENT ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR DESTRUCTIVE CODE.

16. Privacy Policy
Your provision of personal information through the app is governed by our privacy policy located at /privacy-policy (the “Privacy Policy”).

17. Governing Law
The app and these Terms of Service will be governed by and construed in accordance with the laws of the United Kingdom and any applicable federal laws applicable therein, without giving effect to any choice or conflict of law provision, principle, or rule and notwithstanding your domicile, residence, or physical location.

Any action or proceeding arising out of or relating to this app and/or under these Terms of Service will be instituted in the courts of the United Kingdom, and each party irrevocably submits to the exclusive jurisdiction of such courts in any such action or proceeding. You waive any and all objections to the exercise of jurisdiction over you by such courts and to the venue of such courts.

If you are a citizen of any European Union country or Switzerland, Norway, or Iceland, the governing law and forum shall be the laws and courts of your usual place of residence.

The parties agree that the United Nations Convention on Contracts for the International Sale of Goods will not govern these Terms of Service or the rights and obligations of the parties under these Terms of Service.

18. Severability
If any provision of these Terms of Service is illegal or unenforceable under applicable law, the remainder of the provision will be amended to achieve as closely as possible the effect of the original term and all other provisions of these Terms of Service will continue in full force and effect.

19. Entire Terms of Service
These Terms of Service constitute the entire and only Terms of Service between the parties in relation to its subject matter and replace and extinguish all prior or simultaneous Terms of Services, undertakings, arrangements, understandings, or statements of any nature made by the parties or any of them whether oral or written (and, if written, whether or not in draft form) with respect to such subject matter.

Each of the parties acknowledges that they are not relying on any statements, warranties, or representations given or made by any of them in relation to the subject matter of these Terms of Service, save those expressly set out in these Terms of Service, and that they shall have no rights or remedies with respect to such subject matter otherwise than under these Terms of Service save to the extent that they arise out of the fraud or fraudulent misrepresentation of another party.

No variation of these Terms of Service shall be effective unless it is in writing and signed by or on behalf of the Company.

20. Waiver
No failure to exercise, and no delay in exercising, on the part of either party, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder.

21. Notice
We may provide any notice to you under these Terms of Service by:

1. Sending a message to the email address you provide to us and consent to us using; or
2. Posting to the app.

Notices sent by email will be effective when we send the email, and notices we provide by posting will be effective upon posting. It is your responsibility to keep your email address current.

To give us notice under these Terms of Service, you must contact us as follows:

• By personal delivery, overnight courier, or registered or certified mail to CHAAMO LTD, 287A Fleet Road, Hampshire, GU51 3BZ, England, GB.

We may update the address for notices to us by posting a notice on this app. Notices provided by personal delivery will be effective immediately once personally received by an authorised representative of the Company. Notices provided by overnight courier or registered or certified mail will be effective once received, and where confirmation has been provided to evidence the receipt of the notice.

22. Order Fulfilment Obligation
By participating in auctions or utilising the “Buy It Now” feature, users agree to complete the transaction upon winning an auction or confirming a purchase. Failure to fulfil these obligations without valid cause constitutes a breach of CHAAMO’s Terms and Conditions.

CHAAMO reserves the right to take corrective action, up to and including permanent suspension of the user’s account, for any unfulfilled orders. Users who fail to fulfil their orders on three separate occasions will be permanently banned from accessing CHAAMO’s services.

23. Refund Policy

1. Refunds for items purchased by a user from a seller are the sole responsibility of the seller. All refunds must be processed directly by the seller through their PayPal account by selecting the transaction and issuing the refund directly to the buyer. CHAAMO does not process refunds or hold responsibility for refund transactions between buyers and sellers.
2. Refund Request Timeline
   • All refund requests must be submitted no later than two (2) days following the delivery of the item.
   • Requests submitted after this timeframe will not be eligible for consideration.
3. Refund Process

• Once a refund request is approved, the seller must process the refund directly through their PayPal account by selecting the transaction and issuing the refund to the buyer. The refunded amount will be automatically deducted from the seller’s PayPal balance and credited back to the buyer. The transaction details, including the refund status, will be reflected in the activity section of the seller’s PayPal account and the app.
• Failure to complete the refund in a timely manner may result in account suspension or further corrective actions.

1. CHAAMO’s Role in Refunds
   • CHAAMO does not assume liability for refund processing but will assist in facilitating communication between the buyer and seller to reach a resolution where applicable.
   • If a dispute arises, CHAAMO may review the transaction details and determine if further action is needed.
2. Seller’s Responsibility
   • Sellers are required to maintain sufficient funds in their e-wallet to cover potential refund obligations.
   • Repeated failure to process refunds in a timely manner may result in account suspension or permanent banning from the CHAAMO platform.

24. Funds Disbursement Policy

• Funds from a transaction will be held in the seller’s CHAAMO e-wallet upon confirmation of delivery to the buyer. This will be shown as “Pending”
• Funds will only be released to the seller after the two (2) day refund period has passed, provided no refund request has been submitted by the buyer within that timeframe.
• If a refund request is made within the 2-day period, the seller must process the refund directly through PayPal. The requested refund amount will be deducted from the seller’s PayPal e-wallet before any remaining funds are disbursed. If the seller’s e-wallet does not have sufficient funds to cover the refund, the amount will be automatically deducted from the card linked to their PayPal account.
• CHAAMO reserves the right to delay the release of funds in the event of a dispute, claim, or any other issue requiring investigation.
• If the seller does not have sufficient funds in their PayPal e-wallet to process an approved refund, the refund amount will be automatically deducted from the card linked to their PayPal account. The seller must process the refund through PayPal, as CHAAMO does not facilitate top-ups.

25. Damaged Goods Policy
The seller is responsible for ensuring that all items are packaged adequately to prevent damage during transit. This includes, but is not limited to, the use of protective measures such as bubble wrap, padded envelopes, top loaders, and sleeves to safeguard cards or other items. If the packaging is deemed insufficient to meet these standards, liability for any resulting damage rests solely with the seller. In such cases, an automatic refund will be issued to the buyer.

If the damage is determined to be caused by external factors beyond the seller’s control, CHAAMO will conduct an investigation involving the relevant parties. A refund will be issued upon conclusion of the investigation if deemed appropriate.

26. Age Restriction Policy

CHAAMO is strictly intended for individuals 18 years of age or older. By accessing or using the CHAAMO platform, you confirm that you are at least 18 years old.

CHAAMO does not approve, permit, or promote the use of its services by individuals under the age of 18. If it is discovered that a user is under 18, CHAAMO reserves the right to immediately suspend or terminate the account without prior notice.

CHAAMO accepts no responsibility or liability for any unauthorised use of the platform by individuals under 18. It is the responsibility of parents and legal guardians to ensure that minors do not access or use CHAAMO’s services

27. Postage Policy
The buyer is responsible for covering postage costs as part of the transaction. However, in cases where an item is damaged during transit or a refund is required, the seller is liable for all associated postage costs, including return postage, if applicable.

If a dispute arises regarding postage liability, CHAAMO will conduct an arbitration process to determine the appropriate resolution. The decision made by CHAAMO following arbitration shall be considered final and binding.

28. Abusing CHAAMO Policy
Without limiting other remedies, CHAAMO reserves the right to limit, suspend, or terminate your user account(s) and access to our Services; restrict or prohibit your activities on our platform; cancel bids; remove, demote, or otherwise restrict the visibility of listings; delay or remove hosted content; revoke any special account statuses; reduce or eliminate discounts or promotional benefits; and take technical or legal measures to prevent your access to our Services if:

• We believe you are creating problems or potential legal liabilities for CHAAMO, its users, suppliers, or other third parties;
• We believe such restrictions will improve the security of the CHAAMO community or reduce our or another CHAAMO user’s exposure to financial liabilities;
• We believe you are infringing upon the rights of third parties;
• We believe you are acting inconsistently with the letter or spirit of this User Agreement or our policies, or are abusing our employees or other users;
• Despite reasonable efforts, we are unable to verify or authenticate the information you provide to us; or
• You fail to make, or it is evident that you are unable to make, full payment of any fees or charges due for our Services by the specified payment deadline.

CHAAMO may provide a process for users to report claimed violations, which we will review and address at our sole discretion.

When resolving disputes between buyers and sellers, CHAAMO may take into account the user’s performance history, as well as the specific circumstances of the issue, in determining appropriate action. At its sole discretion, CHAAMO may choose to be more lenient with policy enforcement when doing so is deemed fair or appropriate for both parties involved.

29. Fees and Payment Policy
CHAAMO operates with a transparent fee structure to ensure users have full clarity over any costs associated with using our platform.

1. Standard Listings and Commission
   CHAAMO does not charge fees for creating standard listings on the platform, nor does CHAAMO collect any commission on items sold through the platform. Sellers retain the full proceeds of their sales, except where third-party transaction fees (e.g., payment processing fees) may apply, as determined by the payment provider.
2. Featured Listings
   CHAAMO offers users the option to enhance the visibility of their listings through the “Boost” feature. Fees for boosting or featuring a listing are clearly disclosed at the time the user elects to boost a listing. By choosing to boost a listing, the user agrees to the associated fee. These fees are non-refundable once the service has been activated, except in cases of system errors attributable to CHAAMO.
3. Monthly Subscription Fee
   Access to CHAAMO’s services is subject to a monthly subscription fee. This fee is disclosed at the time of registration or subscription initiation and is billed on a recurring basis, in accordance with the payment terms specified at the time of sign-up. Subscription fees are non-refundable unless otherwise stated or required by applicable law. Users are responsible for ensuring that payment methods are valid and up to date to avoid disruption of service.
4. Failure to Pay Fees
   Failure to pay any applicable fees when due may result in limitations on account functionality, suspension, or termination of access to CHAAMO’s services. CHAAMO reserves the right to take further action, including but not limited to referring unpaid accounts to collection agencies or pursuing legal remedies, where necessary.
5. Amendments to Fees
   CHAAMO reserves the right to modify its fee structure, including introducing new fees or adjusting existing ones, at its sole discretion. Users will be notified of any changes to the fee structure via email or through the platform, with at least thirty (30) days’ notice prior to the changes taking effect. Continued use of CHAAMO’s services after the notification period constitutes acceptance of the updated fee structure.
6. Disputes Regarding Fees
   In the event of a dispute regarding any fees charged by CHAAMO, users are required to notify CHAAMO at hello@chaamo.com within thirty (30) days of the fee being charged. CHAAMO will investigate the matter and, if an error is found, will issue a refund or credit to the user’s account as appropriate. CHAAMO’s decision regarding fee disputes shall be final and binding.

By using CHAAMO’s platform and services, users acknowledge and agree to this Fees and Payment Policy, including their obligation to pay all applicable fees in accordance with this policy.

30. Listing Conditions
As a user of the CHAAMO platform, you are solely responsible for the accuracy, completeness, content, and legality of any item you list, including all associated listing content. This includes but is not limited to content created or modified using tools offered by CHAAMO or third parties, such as translation services, image editing tools, and generative artificial intelligence tools.

By creating a listing on CHAAMO, you agree to ensure that your item and listing content comply fully with CHAAMO’s Prohibited and Restricted Items Policy and all other applicable policies and guidelines.

It is your responsibility to:

1. Provide accurate and truthful descriptions of the items you list, including but not limited to item condition, functionality, and any applicable disclosures (e.g., defects, damage, or modifications).
2. Ensure that your listing complies with all relevant laws and regulations, including those related to the sale of restricted or regulated items in your jurisdiction and the jurisdiction of your potential buyers.
3. Refrain from using misleading or deceptive practices in your listing, including false advertising, counterfeit goods, or unauthorized use of intellectual property.

CHAAMO does not assume responsibility for the content of your listings or any liabilities arising from non-compliance with this policy.

31. Prohibited and Restricted Items Policy
CHAAMO is a platform dedicated exclusively to the buying, selling, and trading of Trading Cards. To maintain the integrity and focus of our platform, the listing or sale of any items not directly related to Trading Cards is strictly prohibited.

1. Prohibited Items

• Only Trading Cards are permitted on the CHAAMO platform. Any items that are not Trading Cards, including but not limited to card sleeves, storage boxes, binders, or other Trading Card accessories, are strictly prohibited and reserved for our partners.
• Any item that violates applicable laws, regulations, or third-party rights is also strictly prohibited.

32. Purchase Conditions
By purchasing an item on CHAAMO, you agree to comply with the following conditions and acknowledge the responsibilities outlined below:

1. Buyer Responsibilities
   • You are responsible for thoroughly reviewing the full item listing, including descriptions, images, and any stated terms or conditions, before making a bid or committing to purchase an item.
   • Unless explicitly stated otherwise by CHAAMO, you enter into a legally binding contract to purchase an item when you:
     • Commit to buy an item via the “Buy It Now” feature, or
     • Win an auction by placing the highest bid (or your bid is otherwise accepted by the seller).
   • You agree to fulfil all payment obligations associated with your purchase in a timely manner as specified at checkout.

33. Presale Membership Policy
By purchasing a presale membership for CHAAMO, you agree to the following terms and conditions regarding refunds and guarantees:

1. Refund Eligibility
   • Presale memberships are refundable only under the terms of a 14-day money-back guarantee, which becomes effective following the official launch of the CHAAMO app.
   • Refund requests must be submitted within fourteen (14) calendar days from the launch date of the app. After this period, presale membership fees are non-refundable.
2. Refund Request Process
   • To request a refund, you must contact CHAAMO Customer Support at hello@chaamo.com within the 14-day refund period.
   • Refund requests must include proof of purchase and the email associated with your CHAAMO account.
3. Refund Terms
   • Refunds will only be issued to the original payment method used for the presale membership purchase.
   • Refund processing may take up to ten (10) business days from the date of approval.
4. Non-Refundable Fees
   • After the 14-day refund period has elapsed, presale memberships are considered final, and no refunds will be issued for any reason, except as required by applicable law.
5. Launch Date
   • The launch date of the CHAAMO app will be announced by CHAAMO through official communication channels, including email and the CHAAMO website.
6. Presale Membership Pricing
   • The presale membership is offered at an introductory rate of £9.88 per month. This is a limited-time offer and will automatically increase to £12.88 per month after a three (3) month period.
   • If you wish to cancel your membership, you must do so via the CHAAMO application prior to the price increase. Failure to cancel before the price adjustment will result in automatic billing at the updated rate of £12.88 per month.
7. Acceptance of Terms
   • By purchasing a presale membership, you acknowledge and agree to this Presale Membership Policy and waive any claims for refunds outside of the terms specified above.

If you have any questions regarding this policy, please contact us at hello@chaamo.com.

34. Disclaimer for Card Uploads
By uploading a card for sale, trade, or showcase on the CHAAMO platform, you hereby confirm and agree to the following:

1. Authenticity of the Card
   • You confirm that the card you are uploading is an original and authentic item. You acknowledge that uploading counterfeit, fake, or misrepresented cards is strictly prohibited.
2. Legal Accountability
   • You understand and accept full responsibility for ensuring the card’s authenticity. Any attempts to upload fake or counterfeit cards may result in legal action against you, including but not limited to prosecution under applicable laws.
3. Liability for Counterfeit Cards
   • If it is determined that you have sold or traded a counterfeit card through the CHAAMO platform, you agree to assume full financial responsibility. This includes refunding all funds paid by the buyer and covering any additional damages or costs resulting from the fraudulent transaction.
4. Refunds for Fraudulent Cards
   • If a card sold on the CHAAMO platform is found to be fraudulent, a full refund will be issued to the buyer, and the refunded amount will be debited from the payment card we hold on file for you. By uploading a card, you consent to this policy and authorize CHAAMO to process such refunds in the event of fraudulent activity.
5. Platform Policy Enforcement
   • You acknowledge that uploading counterfeit cards will result in immediate and permanent banning from the CHAAMO platform, without prior notice.

By proceeding with the upload, you confirm that the card complies with these terms. Failure to adhere to this disclaimer may result in severe consequences, including legal action.

For any questions or concerns, please contact our support team at hello@chaamo.com before uploading your card.

35. Photographic Identification Policy
To ensure the security and authenticity of our platform, CHAAMO requires users to provide valid photographic identification as part of the verification process.

1. Verification Requirement
   • Users must submit photographic identification that matches the personal details provided on their CHAAMO account.
2. Non-Matching ID
   • If the photographic ID provided does not match the details on the user’s account, CHAAMO reserves the right to suspend the account immediately.
   • The account will remain suspended until the identification has been reviewed, verified, and approved by our team.
3. Data Privacy
   • CHAAMO does not share photographic identification or related data with any third party.
   • This data is collected solely for the purpose of verifying user identity and ensuring compliance with platform policies.
4. User Responsibility
   • It is the user’s responsibility to ensure that the identification submitted is accurate, valid, and up to date.

For questions or assistance with ID verification, please contact us at hello@chaamo.com.

36. Contact Us
This app is operated by CHAAMO LTD, 287A Fleet Road, Hampshire, GU51 3BZ, England, GB.

Should you become aware of misuse of the app including libelous or defamatory conduct, you must report it to the Company. All reports of misuse and other feedback, comments, requests for technical support, and other communications relating to the app should be directed to hello@chaamo.com.

37. Force Majeure

CHAAMO shall not be held liable or responsible for any failure or delay in the performance of its obligations under these Terms of Service due to events or circumstances beyond its reasonable control, including but not limited to:

• Natural disasters (e.g., earthquakes, floods, hurricanes);
• Acts of God;
• Pandemics, epidemics, or other public health emergencies;
• War, terrorism, or civil unrest;
• Government actions or regulations;
• Power outages or telecommunication failures;
• Strikes, labour disputes, or other industrial disturbances.

During such periods, CHAAMO’s obligations shall be suspended, and reasonable efforts will be made to resume operations as soon as conditions permit.

38. Modification or Termination of Services

1. Right to Modify
   CHAAMO reserves the right to modify, suspend, or discontinue any part of its platform, services, or features at any time, with or without prior notice. This includes changes to functionality, user interface, pricing, and policies.
2. Termination of Access
   CHAAMO may terminate or restrict a user’s access to the platform or services if:
   • There is a breach of these Terms of Service;
   • Continued access poses a risk to the platform, its users, or CHAAMO’s operations.
3. No Liability
   CHAAMO shall not be held liable for any loss or inconvenience resulting from modifications, suspensions, or terminations of its services.
4. User Responsibility
   It is the user’s responsibility to stay informed of any updates or modifications to the services by reviewing the platform and any related notifications provided by CHAAMO.

39. Insurance Policy

All shipments made through CHAAMO’s integrated courier services include standard insurance coverage of up to £100 to protect against loss or damage during transit. This insurance coverage is provided at no additional cost to the buyer or seller and applies only when using CHAAMO’s designated couriers.

39.2 Coverage

Insurance coverage applies only to shipments processed through CHAAMO’s approved couriers and covers the following:

• Loss of the package during transit
• Damage to the item(s) caused during shipping

39.3 Exclusions

Insurance does not apply in the following circumstances:

• Items that do not comply with CHAAMO’s Prohibited and Restricted Items Policy
• Loss or damage occurring after delivery confirmation by the courier
• Incorrect or incomplete delivery addresses provided by the seller or buyer
• Shipments sent outside of CHAAMO’s integrated courier services
• Items valued above £100
• Damage resulting from insufficient or improper packaging by the seller

39.4 Making an Insurance Claim

To file a claim for lost or damaged items, the affected party (buyer or seller) must follow these steps:

For Lost Shipments:

1. Verify the tracking information to ensure the package has not been delivered.
2. Contact the courier service to initiate an investigation into the missing parcel.
3. If the courier confirms the package as lost, the courier service will process the refund in accordance with their insurance policy.
4. The refund will be issued directly by the courier to the affected party (buyer or seller), up to the £100 insurance coverage limit.
5. Claims must be submitted within 7 days of the estimated delivery date.

For Damaged Shipments:

1. The buyer must take clear photos of the damaged item(s) and packaging immediately upon receipt.
2. The buyer must notify the seller and CHAAMO within 48 hours of delivery.
3. The seller must contact the courier’s insurance service and provide necessary evidence.
4. Upon approval of the claim, the courier service will issue the refund to the affected party, up to the £100 coverage limit.

39.5 Additional Insurance

If an item being shipped is valued at more than £100, CHAAMO offers additional insurance coverage through a third-party provider. This optional insurance can be purchased at checkout for an additional fee of 1.5–2% of the item’s declared value. This coverage extends protection beyond the standard £100 provided by the courier, ensuring added security for high-value shipments. Full details regarding coverage limits, claims processing, and terms will be provided at checkout.

Below is a summary of standard coverage offered by major courier services used on the CHAAMO platform:

Courier	Standard Coverage (Loss/Damage)
UPS, USPS, FedEx, DHL	Up to $100 coverage
Canada Post	Up to $100 coverage
Evri	Up to £20 + £2.50 postage for loss or damage
DPD UK	Up to £100 declared value for loss or damage
Colissimo	€23 per kilogram for loss or damage
Poste Italiane	€1 per kilogram for loss or damage
Mondial Relay	€23 per kilogram, up to a max of €750 for loss or damage
Chronopost	Up to €250 for declared value; limited to €23/kg or €690 max for Chrono 18, Chrono Classic, Chrono Relais Europe, or mobile phones
DPD DE (Germany)	Up to €520 declared value for loss or damage
Deutsche Post	No insurance coverage
Correos (Spain)	Lower of declared value or €6.67/kg, max payout based on €6.67/kg

Buyers and sellers are encouraged to review these default limits and consider the optional additional insurance at checkout if their item value exceeds the standard courier coverage.

39.6 Seller Responsibilities

• Sellers must use adequate protective packaging (e.g., bubble wrap, padded envelopes, top loaders, sleeves) to prevent damage.
• Sellers must ensure that accurate shipping details are provided to avoid delivery issues.
• If a refund is required due to damage only, the seller must process the refund through PayPal as per CHAAMO’s Refund Policy, unless covered by the courier’s insurance.

39.7 Buyer Responsibilities

• Buyers must inspect items immediately upon delivery and report any damage within 48 hours.
• Buyers must provide clear photographic evidence when filing a damage claim.

39.8 Limitation of Liability

CHAAMO is not responsible for:

• Insurance claims that are not covered by the courier’s policy.
• Claims for shipments sent via non-approved couriers.
• Delays in the processing time of insurance claims by the courier.

All claims are subject to approval by the designated courier service. CHAAMO will assist in facilitating communication but is not liable for denied claims.

40. Pricing Accuracy Disclaimer

CHAAMO provides historical pricing data, including “Last Sold Prices,” as a feature to assist users in making informed decisions. These prices are aggregated from multiple third-party sources, and user submissions. While CHAAMO makes every effort to ensure this data is accurate and timely, we do not guarantee the accuracy, completeness, or currency of any pricing information provided.

Pricing data is intended to be used as a guide only. Due to variability in market conditions, incomplete data, or delays in updates from external sources, actual sales prices may differ from those displayed.

CHAAMO is not liable for any decisions, transactions, or losses that result from reliance on the pricing data presented within the platform.

Last Updated: 21/08/2025