1. Basic information and introductory provisions

1.1. UROŠ POLOVINA PR WEB PORTALS BEYOND FULLSTACK SOMBOR (hereinafter: BEYOND FULLSTACK) engages in creating and producing / providing technologically innovative online services for website and application development, as well as their maintenance (hereinafter: Products).

1.2. BEYOND FULLSTACK also enables online payment for the use of Products to its customers, through accepted payment cards of payment institutions, or payment systems (Visa, Mastercard, Dina, etc.). The use of such service is governed by these terms of use, which constitute an integral part of the Terms of use of products and services of BEYOND FULLSTACK. By using the card payment service, Users accept and agree with the provisions and conditions stated herein, which are binding.

1.3. Basic information about the merchant:

2. General provisions on online payment

2.1. For the electronic processing of transactions and processing of online payments, BEYOND FULLSTACK uses the services of a third party Monri WSPay – a payment service provider (Payment Service Provider), which possesses an appropriate certificate guaranteeing secure transactions and reliable crypto-protection.

2.2. By accepting these conditions, the User consents that payment transactions are performed with accepted payment cards, through Monri WSPay and under the conditions and manner of providing services and conducting activities of third parties – payment service providers, payment institutions, and issuers of payment instruments. Users can learn about the terms of use and mode of operation of the payment service provider through the provider's website (https://www.wspay.rs/).

2.3. Payment for services will be considered completed at the moment BEYOND FULLSTACK receives confirmation that the transaction amount has been received in BEYOND FULLSTACK's account.

2.4. The User is solely responsible for the truthfulness and completeness of the given data related to the payment.

2.5. All payments will be made in the local currency of the Republic of Serbia - dinar (RSD). For informational display of prices in other currencies, the average exchange rate of the National Bank of Serbia is used. The amount for which your payment card will be charged will be expressed in your local currency through conversion at the rate used by card organizations, which may not be known to us at the time of the transaction. As a result of this conversion, there may be a slight difference from the original price listed on our website.

3. Protection of confidential data about the payment transaction

3.1. When entering credit card information, confidential information is transmitted over a public network in a protected (encrypted) form using SSL protocol and PKI system, as the currently most advanced cryptographic technology. The security of data during purchase is guaranteed by the payment card processor, so the entire payment process is carried out in a secure environment. At no time are credit card data available to our system.

3.2. BEYOND FULLSTACK does not store, process, or transmit card data. BEYOND FULLSTACK, through its websites, enables the redirection of customers/clients to the web pages of the IPG (Internet Payment Gateway) where the payment process takes place.

4. Rules regarding complaints

4.1. Services are contracted and provided for a specific period of time or as one-time services, without the right to early termination or cancellation, except in cases provided by imperative provisions of the law. All service payments are final, without the right to refund or reduction, except in cases provided by the contract between the User and BEYOND FULLSTACK or imperative provisions of the law.

4.2. All complaints related to BEYOND FULLSTACK's services, users can direct to email:office@beyondfullstack.com

4.3. In the case of justified complaints and refunds to the user of previously paid funds, partially or in full, such a refund is carried out exclusively through cashless payment methods (including VISA, EC/MC, and Maestro payment methods at the decision of BEYOND FULLSTACK), which means that the payment institution at the request of BEYOND FULLSTACK will perform the refund to the user's account.

4.4. Complaints related to the quality of payment service, availability of payment systems, or disputing performed internet payment transactions are exclusively within the jurisdiction of the payment service provider, or payment institutions and issuers of payment instruments. BEYOND FULLSTACK assumes no responsibility in relation to the aforementioned and is not authorized nor able to receive or decide on such complaints.

5. User privacy protection

5.1. The rules, or rights and obligations of BEYOND FULLSTACK and the User are governed by the Privacy Policy, which is available at:

- beyondfullstack.com - Footer, Privacy Policy

and which directly applies to the relationship between BEYOND FULLSTACK and the User in connection with online payment.

5.2. The data collected by third parties - payment service provider, payment institutions, and issuers of payment instruments, for the purpose of performing transactions and their protection, are regulated by the Law on Personal Data Protection, other international regulations, rules, and policies of these entities. The aforementioned entities are considered processors in regard to said data and payment transactions.

6. Disclaimer

6.1. In addition to the general bases and rules on the exclusion of liability provided by applicable regulations, the Terms of use of products and services of BEYOND FULLSTACK or other contract, the User agrees and accepts that BEYOND FULLSTACK is not responsible for any damage that occurs or is related to:

- misuse in the use of the Payment Gateway by Users or third parties;

- protection and storage of data in the Payment Gateway or other parts of payment systems and transactions;

- malfunctioning of the Payment Gateway or other parts of payment systems and transactions;

- unauthorized or fraudulent transactions of any kind;

- unauthorized use of payment means

- payments of amounts that exceed available balances on accounts or appropriate limits.

6.2. BEYOND FULLSTACK is not obliged to:

- monitor or prevent fraud, misuse, and other unauthorized actions related to the use of payment means, payment systems, or transactions;

- carry out actions or take measures for the protection and storage of data, except to the extent to which it is obligated by imperative regulations or contractual obligations undertaken towards the User.