Terms and Conditions for processing online, credit card payments. All payments using the online credit card, payment processing facilities on this website to access live chat services offered are subject to the following terms and conditions.

1. When you complete the online payment form and your transaction is accepted, monies will be deducted from your credit card account in the currency specified.

2. All payments, minus processing fees, will be credited to the account of the website service provider, Worldwide Digital Media Ltd.

3. All credit card payments utilise secure, transaction processing technology:
a. Payments will be processed directly by our merchant using Secure Socket Layer (SSL) technology.
b. All credit card details are securely protected with a high level of encryption when transmitted over the Internet.
c. Worldwide Digital Media Ltd does not have access to your credit card details. These are processed securely by our merchant. Worldwide Digital Media Ltd do have access to the last four digits of your card number which are retained for the purpose of verification during any correspondence with the company.

4. Confirmation
a. Once completed, our merchant will confirm that your payment has been successfully processed.
b. If your application is declined, our merchant will advise you that your payment has failed under these circumstances you should contact your card provider for further details.
c. If your payment fails, you may call our Customer Service Team on 1-855-716-4721 who can attempt to process your card manually. If this method fails you will need to contact your card issuing bank to seek further assistance.

5. Privacy Statement
Worldwide Digital Media Ltd will never disclose information about our visitors to a third party, unless in receipt of a formal request from a law enforcement or regulatory authority, and will do so in support of their requirement to ensure laws and regulations are upheld and enforced. We may send you free promotional messages from time to time. To opt out of receiving marketing messages, Call Help Line: 1-855-716-4721.

6. Refund Policy
The services provided are subject to regulations imposed by the Phone-paid Services Authority and are deemed to be compliant with the rules set out in their code of practice. Refund requests will be reviewed by the company on an individual case by case basis. However it is the user’s responsibility to keep their PIN number safe. If you require assistance please email our Customer Service Team at: support@luv2chat.com or telephone: 1-855-716-4721.

7. Service Costs
Credit card billed: $1.99 per minute: 1 credit per minute.

8. Credit Usage
Credits are valid for a period of 90 days. After this period, unused credits will expire.

9. Personal Identification Numbers (PIN)
a. If your payment is successful our website will generate a unique PIN that you will require in order to access our services. Your PIN will appear on the screen of your handset once your transaction has been approved, please make a note of it for future reference. Your screen will also display a local rate number that you will need to call and where you can enter your PIN to access the services.
b. If you lose your PIN you may contact our Customer Service Team at: support@luv2chat.com or telephone: 1-855-716-4721. You will be required to confirm your name, billing address and the last four digits of your card number.
c. Your PIN is valid for 90 days it will then expire. Please use your credits within that 90 day period as unused credits cannot be carried over.

10. By using the Worldwide Digital Media online credit card facility you agree to all applicable policies regarding the use of these service.

Card Transactions are processed by Secure MT. Payments on your statement will be debited by “CPS-smthub.uk-03333130018” Click Here for more information on how you can recognise these on your statement. If you don't recognise a transaction, then please contact the WorldWide Digital Media support team on: or call 1-855-716-4721.

11. Worldwide Digital Media Ltd, terms and conditions for online credit card payments are subject to change at any time. Each transaction shall be subject to the specific terms and conditions that were in place at the time of the transaction.

12. The service
a. Worldwide Digital Media Ltd will endeavour to maintain the availability of the services at all times, however the company cannot take any responsibility for any service down times due to equipment failure and or any third-party services required to provide the services advertised. b. We cannot guarantee that you will be put through to the operator of your choice by either using their PIN or by choosing them from the carousel of available operators.
c. The services are provided for entertainment purposes only.
d. All conversations are recorded in compliance with Phone-paid Services Authority regulations. e. Worldwide Digital Media Ltd reserve the right to send the user free promotional marketing messages. Marketing messages can be stopped at any time by following the instructions contained withing the free message.

13. This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of eval- uating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also trans- fer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate set- tings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

14. Jurisdiction
This Agreement shall be governed by and construed in accordance with the laws of England & Wales, the Courts of which shall alone be the Courts of competent jurisdiction.

15. These web pages are not intended to be viewed by minors.

COMPANY DETAILS
Company name: Worldwide Digital Media Ltd, 53 High Street, Arundel West Sussex, BN18 9AJ, UK.
Helpline: 1-855-716-4721 (Monday to Friday, 9am to 5pm, GMT)
Customer Service: Email: support@luv2chat.com.