Terms of Service

1. Scope and acceptance

These Terms of Service (Terms) form a legally binding agreement between you and SKINSITIM OÜ, Estonian company number 17578269, with registered office at Estonia, Harju maakond, Tallinn, Kesklinna linnaosa, Rotermanni tn 6, 10111, trading as TopUpGuy, in relation to the website, account features, order interfaces, customer support and any mobile airtime, data bundle, voucher or related digital product made available through the service.

By creating an account, placing an order, using a business integration or otherwise accessing the service, you agree to these Terms and to the policies incorporated by reference. If you act for a company or other organisation, you confirm that you have authority to bind it. If you do not agree, do not use the service.

SKINSITIM OÜ is the sole contracting company operating TopUpGuy. Its company number is 17578269 and its registered office is Estonia, Harju maakond, Tallinn, Kesklinna linnaosa, Rotermanni tn 6, 10111. Product-specific operator or third-party supplier information may additionally be shown before order confirmation. Mandatory rights under the law of your country of residence are not displaced by these Terms.

2. Who may use the service

You must be at least 18 years old and legally capable of entering into a contract. You may not use the service where doing so would breach applicable law, sanctions, export controls, a court order, a contractual restriction binding on you, or the rules of the relevant mobile operator.

Consumer provisions apply when you use the service wholly or mainly outside your trade, business, craft or profession. Business customers may be subject to an order form, API agreement, volume schedule or other written terms. If those terms conflict with these Terms, the more specific written terms prevail for the relevant business service.

3. What TopUpGuy provides

TopUpGuy provides a digital interface through which eligible users can request the supply of prepaid mobile airtime, mobile data bundles and related operator products to a nominated mobile number. Availability depends on destination, operator, denomination, product inventory, technical connectivity, risk controls and local law.

Unless expressly stated in writing, TopUpGuy is not the recipient mobile operator, does not control the recipient account and cannot guarantee network coverage, handset compatibility, operator tariffs, expiry rules or the way an operator displays a balance.

The service is not a bank account, deposit account, stored-value wallet or remittance account. A top-up is purchased for delivery to a nominated telecommunications account and may not be used to hold funds, withdraw cash or transfer a cash balance between users.

4. Product information and availability

We aim to present accurate operator, product, allowance, validity, price and estimated delivery information. Operator catalogues and foreign-exchange inputs can change without notice. The product, recipient value, fee, tax and total shown on the final review screen are the values offered for that order.

A displayed product is not a guarantee of continuing availability. We may withdraw, replace or limit a product before an order is accepted. If a product becomes unavailable after payment authorisation but before fulfilment, we will fail or cancel the order and arrange release or refund of the relevant amount.

5. Your order and the recipient number

You are responsible for selecting the correct country, operator, product and recipient number. Check the country code and subscriber number before confirming. Mobile top-ups are normally fulfilled automatically and a delivered top-up usually cannot be recalled, moved or converted to cash.

An on-screen acknowledgement means that we received your request; it does not necessarily mean that an operator accepted or delivered it. A contract for the requested product is formed when TopUpGuy accepts the order, which may be confirmed by an order reference, payment capture, fulfilment instruction or delivery confirmation depending on the flow.

We may reject an order before acceptance for availability, technical, legal, fraud, sanctions, payment, limit or operator reasons. We are not required to disclose information that would compromise security controls or breach a legal restriction.

6. Prices, exchange rates, fees and taxes

Before you place an order, the checkout will show the source currency, recipient product or value, service fee, applicable tax where determined, exchange-rate information where relevant and total amount payable. Review this information carefully.

A quoted exchange rate applies only to the order and time for which it is displayed. It may include a margin disclosed through the difference between the source amount and recipient value. Your card issuer, bank or payment provider may separately apply foreign-transaction, cash-advance, conversion or other charges that TopUpGuy does not control.

Unless the checkout states otherwise, prices include taxes that TopUpGuy is required to collect. You remain responsible for taxes arising from your own business use, resale or local reporting obligations.

7. Payment authorisation

You authorise TopUpGuy and its payment service providers to submit the displayed total to your selected payment method. You must use a payment method that you are authorised to use and provide accurate billing or authentication information.

Payment may be subject to strong customer authentication, issuer approval, fraud screening, velocity limits and payment-provider terms. A temporary authorisation hold is not always a completed charge. If an order fails before capture, the issuer determines when a hold disappears. If funds are captured for an unfulfilled order, the Refund Policy applies.

You must not initiate a chargeback for an issue that can reasonably be investigated through support. This does not remove any statutory or scheme right to dispute an unauthorised or incorrectly executed payment.

8. Delivery and completion

Delivery occurs when the relevant operator or distribution partner accepts and applies the product to the recipient account, or otherwise returns a successful final status. Estimated delivery times are not guaranteed deadlines unless expressly described as such.

A pending order may require operator confirmation. Do not place a duplicate order solely because the recipient has not yet seen the balance. Some operators update balances by SMS, USSD, application or account refresh at different times.

We may mark an order for manual review or request information needed to verify the payment, account, recipient or lawful purpose. Failure to provide reasonably requested information may result in cancellation, refund, suspension or continued restriction.

9. Consumer cancellation rights

Consumers in the United Kingdom and European Economic Area may have a statutory 14-day right to withdraw from certain distance contracts. Mobile airtime and data products are supplied digitally and are normally requested for immediate performance.

Where required by law, checkout will ask for your express request that supply begins during the cancellation period and your acknowledgement that, once the digital product has been fully supplied or delivery has begun in circumstances permitted by law, the right to cancel may be lost. If the legally required consent or acknowledgement was not obtained, your statutory rights remain unaffected.

Nothing in these Terms removes rights under the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the Consumer Rights Act 2015, Directive 2011/83/EU as implemented in an EU Member State, or other mandatory consumer law.

10. Refunds and failed orders

Refund eligibility, timing and evidence requirements are explained in the Refund Policy, which forms part of these Terms. In general, an order that reaches a final failed state after funds were captured is eligible for a refund of the amount collected for that order.

A correctly delivered product is ordinarily non-refundable, including where you entered the wrong number, selected the wrong operator, no longer need the product or the recipient uses the credit. We will nevertheless provide any remedy required by applicable law and investigate credible evidence of misdelivery, duplication or product non-conformity.

Approved refunds are sent to the original payment method unless law requires otherwise. Banks and payment schemes control posting times after we submit the refund.

11. Accounts and security

You must keep account credentials, authentication devices and one-time codes secure. Do not allow another person to use your account as if they were you. Notify support promptly if you suspect unauthorised access, credential compromise or an order you do not recognise.

You are responsible for activity carried out through your account until you notify us, except to the extent the activity results from our breach or applicable law allocates responsibility differently. We may require re-authentication, identity checks or password reset before restoring access.

Saved recipients are provided for convenience. You must still confirm that a saved number remains correct and belongs to the intended recipient before each order.

12. Acceptable use

You may use the service only for lawful personal or authorised business purposes. You must not use it to launder proceeds, evade sanctions, finance unlawful activity, test stolen payment credentials, abuse promotions, impersonate another person, harass recipients, overload systems, scrape protected data, reverse engineer security controls or interfere with another user.

You must not resell, white-label or commercially distribute the service unless a written agreement permits it. Automated access is allowed only through credentials and interfaces supplied for that purpose and subject to documented limits.

We may apply transaction, recipient, payment-method, account, market or product limits. Attempts to split activity to avoid a limit are prohibited.

13. Financial crime, sanctions and verification

We may perform proportionate fraud, sanctions, politically exposed person and financial-crime screening. We may request identity, address, payment ownership, source-of-funds, recipient relationship, business or transaction-purpose information when reasonably required by risk or law.

We may delay, reject, cancel, freeze, restrict or report activity where required or permitted by law. We may be prohibited from explaining a report, investigation or control. Our AML Policy provides more detail and does not imply that every TopUpGuy service is a regulated payment service.

14. Intellectual property

TopUpGuy and its licensors own the service interface, software, brand, text, graphics, databases and other protected material, excluding operator marks and third-party content owned by their respective proprietors.

We grant you a limited, revocable, non-exclusive, non-transferable licence to access and use the service for its intended purpose. You may not copy, sell, sublicense, create derivative works from or commercially exploit protected material except where law permits or we agree in writing.

Feedback may be used to improve the service without restriction or payment, provided we do not identify you publicly without permission.

15. Third-party services and operator terms

Payments, identity checks, communications, hosting and operator fulfilment may be provided by third parties. Their services may be governed by additional terms or privacy notices presented to you.

Operator product conditions, such as expiry, handset eligibility, fair-use limits or roaming restrictions, may apply to the recipient. We will present material conditions that are made available to us, but the operator remains responsible for its network and subscriber account.

16. Availability, maintenance and changes

We aim to provide a reliable service but do not promise uninterrupted availability. Maintenance, partner outages, internet conditions, cyber incidents, force majeure and regulatory action may affect access or delivery.

We may change features, supported markets or technical requirements. If a change materially reduces a paid service already accepted, we will provide the remedy required by the contract and applicable law. Status information is general; the order status is authoritative for a specific top-up.

17. Our responsibility

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, breach of a non-excludable statutory duty, or any liability that applicable law does not permit us to exclude.

For consumers, we are responsible for foreseeable loss caused by our breach of contract or failure to use reasonable care and skill. We are not responsible for loss that was not foreseeable, for business loss arising from consumer use, or for operator or recipient-account matters outside our reasonable control, except where mandatory law provides otherwise.

For business users only, and subject to non-excludable liability, neither party is liable for indirect or consequential loss, lost profit, lost revenue, loss of goodwill or loss of anticipated savings. Aggregate liability will be limited to the greater of the fees paid by that business for the affected service during the previous twelve months or the amount stated in the applicable business agreement.

18. Suspension and termination

You may stop using the service at any time. Account deletion remains subject to retention required for orders, tax, disputes, fraud prevention and legal obligations.

We may suspend or terminate access where you materially breach these Terms, create security or legal risk, fail verification, misuse payment methods, threaten staff or systems, or where a partner or authority requires action. Where lawful and reasonably practicable, we will explain the general reason and provide a route to challenge an error.

Terms that by their nature should survive termination, including payment, intellectual property, liability, dispute and record-retention provisions, continue to apply.

19. Governing law and disputes

These Terms and contracts formed through TopUpGuy are governed by the laws of the Republic of Estonia. This choice does not deprive a consumer in the European Union, European Economic Area, United Kingdom or another protected jurisdiction of mandatory protections available under the law of the country in which that consumer habitually resides, including protections preserved by applicable private-international-law rules.

The courts of Estonia have non-exclusive jurisdiction for consumer disputes. Consumers may bring proceedings in any court available under mandatory consumer and private-international-law rules, including the courts of their habitual residence where applicable. Business customers submit to the exclusive jurisdiction of the competent courts in Tallinn, Estonia, unless a written business agreement says otherwise.

Before filing a claim, contact legal@topupguy.com with the order reference and requested resolution. This informal step does not suspend a statutory limitation period or prevent urgent relief. An eligible consumer may also use the Estonian Consumer Disputes Committee or another competent alternative-dispute body where its jurisdictional requirements are met.

20. Changes, notices and general terms

We may update these Terms for legal, security, operational or product reasons. The current version and effective date will be posted here. If a material change affects an existing account relationship, we will provide reasonable notice where required. An accepted order remains governed by the terms in force when it was placed unless law requires otherwise.

If a provision is invalid or unenforceable, the remaining provisions continue in effect and the invalid provision will be applied to the greatest extent lawful. A delay in enforcing a right is not a waiver. You may not transfer the agreement without our consent; we may transfer it as part of a genuine reorganisation or sale if this does not reduce consumer protections.

Formal legal notices may be sent to legal@topupguy.com or by post to SKINSITIM OÜ, Estonia, Harju maakond, Tallinn, Kesklinna linnaosa, Rotermanni tn 6, 10111. Customer-service questions should be sent to support@topupguy.com. SKINSITIM OÜ, company number 17578269, is the only company operating and contracting through TopUpGuy.