Special Terms and Conditions for Credit Card Transactions and Refund Mechanisms

These provisions are an inseparable part of the VCGamers General Terms and Conditions and apply specifically to every transaction using the Credit Card payment method on the VCGamers platform.

Refunds for Canceled Transactions

1. In the event of a transaction cancellation by the User (as Buyer), Seller, or by VCGamers, the refund process will be automatically credited to Buyer Balance on VCGamers Account owned by the User.
2. The value of the funds returned is equivalent to the price of the product at the time the transaction was made. This value does not cover payment administration fees or other service fees that may have been charged to the User.
3. Hereby the User fully understands and agrees that the refund mechanism not done in the form of a reversal to the Credit Card limit used.

Internal Refund Implementation Basis

1. Every Credit Card transaction that has been successfully processed by the Payment Gateway (Payment Gateway) third parties will be recorded as valid and completed transactions from the payment system side, regardless of the order completion status on the VCGamers platform.
2. Based on the conditions in the above points, VCGamers does not have the technical capability to cancel transactions to the card issuing bank. Therefore, the only refund mechanism that can be facilitated is through VCGamers' internal system to the Buyer's Balance on the User Account.

Terms of Use of Refund Balance

1. The Buyer's balance on the VCGamers Account which originates from the refund process as referred to in the Refund Article (Refund) can only be used to make transactions to purchase products and/or other services available on the VCGamers Platform.
2. The balance is of a nature non-refundable And cannot be cashed or withdrawn (withdraw) to bank accounts, e-wallets (e-wallet), or other financial instruments belonging to the User in any form.

Promotion Tool Status on Canceled Transactions

1. Any promotional tools, including but not limited to promo codes, vouchers or discounts, that have been applied to a transaction that is subsequently cancelled, will automatically be cancelled. void and not valid.
2. Expired promotional tools cannot be reactivated, reclaimed, or replaced in another form for future transactions.

Prevention and Enforcement of Prohibited Activities

1. VCGamers has the full right to conduct investigations and take firm action if it receives notifications or reports indicating prohibited activities.
2. Prohibited activities as referred to in the point above are any transactions which, based on the results of an automatic check by Anomaly Detection System (Fraud Detection System – FDS) owned by VCGamers Partner, marked as a high-risk, suspicious, or potentially fraudulent transaction (fraud).
3. If the indications as referred to in the previous point are found, VCGamers has the right, without prior notice, to take the following actions:
   1. Do detention (hold) for some or all of the funds in the Buyer's Balance on the User Account.
   2. Do temporary suspension (suspend) against User Accounts for further investigation and validation purposes.
   3. Do permanent blocking (permanent tire) on User Accounts and deletion or annihilation (forfeiture) all remaining Buyer Balance in it, if based on the results of VCGamers' internal investigation it is proven that a violation has occurred.

Update July 2, 2025