TERMS OF USE
Please read these terms carefully before using our services
Clear Terms
Transparent and fair business practices
PCI Compliant
Secure payment processing standards
Quick Delivery
Instant digital code delivery
Global Service
Serving customers worldwide
Legal Entity / Supplier
MRCODA GLOBAL LLC
254 Chapman Rd, Ste 208 #22928, Newark, Delaware 19702, USA
Scope and Acceptance
These Terms govern your access to and use of mrcoda.com and the purchase and electronic delivery of digital products (including digital gift codes, stored-value vouchers, game currency and similar items) to consumers and, where separately agreed in writing, to business customers.
By creating an account, placing an order or using the site, you accept these Terms. Our Privacy Policy (including our Cookie Notice) form part of this agreement.
What We Do
Our primary business activity is the online sale of digital gift codes through www.mrcoda.com to a global customer base.
Eligibility, Account and Security
Age Requirement
Our services are intended solely for individuals who are at least 18 years of age or the age of legal majority in their jurisdiction, whichever is higher. By accessing or using mrcoda.com, creating an account, or making a purchase, you represent and warrant that:
- You are at least 18 years old or have reached the age of majority in your jurisdiction
- You have the legal capacity to enter into a binding agreement
- You are not prohibited from using our services under any applicable law
Age Verification
We may implement age verification measures, including but not limited to age confirmation prompts, identity verification requests, or third-party age verification services. By proceeding past any age verification prompt, you confirm under penalty of perjury that the information you provide is accurate.
Minors and Parental Responsibility
Our services are not directed to individuals under 18. We do not knowingly collect personal data from minors. If you are a parent or guardian and believe your child has accessed our services or provided personal information without your consent, please contact us immediately at [email protected]. We will take appropriate steps to remove such information and terminate the associated account.
Parents and guardians are responsible for monitoring their children’s internet use. We are not liable for any unauthorized use of our services by minors.
Account Responsibility
You are solely responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Ensuring that no unauthorized person accesses your account
- Notifying us immediately at [email protected] if you suspect unauthorized access
Account Suspension and Termination
We reserve the right to suspend, restrict, or terminate your account and access to our services, with or without notice, if we reasonably believe that:
- You are under the required age
- You have provided false, inaccurate, or misleading information
- There is fraud, abuse, or unauthorized activity on your account
- You have violated these Terms or any applicable law
- There is a sanctions risk or regulatory concern
Account termination may result in forfeiture of any account balance in accordance with Section 04B.
Prices, Taxes and Currency
Prices are shown at checkout in the indicated currency and may include or exclude applicable taxes depending on your location.
Your issuing bank or payment provider may apply exchange rates and fees.
Payments and PCI Responsibilities
How Your Card is Processed
Card payments are processed by a PCI DSS Level 1–compliant gateway. Card data is entered on the provider’s secure page and does not pass through our servers; we receive only payment tokens and masked PAN (last four digits) as needed for records. We do not store full PAN or sensitive authentication data.
Our PCI SAQ and Testing Posture
Because we use a hosted payment page/hosted fields, we validate annually using SAQ A (SAQ A-EP would apply only if the integration changes to on-site JS posting directly to the provider). We conduct quarterly external ASV scans and annual penetration tests and keep remediation evidence.
Technical Safeguards (Summary)
- We enforce HTTPS/TLS for all web and API traffic and disable weak ciphers
- Sensitive data at rest is encrypted
- Passwords are stored as salted cryptographic hashes
- We never log sensitive card authentication data
- Payment flows route card data directly to the PCI-compliant gateway
Account Balance
MRCODA provides an account balance feature that allows you to make purchases on mrcoda.com. Your account balance is not a bank account, e-money, or regulated stored-value instrument.
Key Restrictions
- No withdrawals — Balance cannot be converted to cash, transferred to a bank account, or refunded to any payment method
- No transfers — Balance cannot be sent to other users or third parties
- Single purpose — Balance may only be used for purchases on mrcoda.com
- No interest — Balance does not earn interest or any financial return
MRCODA is not a bank, payment institution, or money transmitter.
Balance Inactivity and Expiration
Inactivity Policy
Account balances are subject to expiration due to prolonged inactivity:
- An account is considered inactive if no purchase or login occurs for 36 consecutive months
- At 24 months of inactivity, a reminder notice will be sent to your registered email
- At 32 months of inactivity, a final warning will be sent
- At 36 months of inactivity, any remaining balance will be permanently forfeited
Any purchase or account login resets the inactivity period. It is your responsibility to maintain a valid email address and to use your balance before expiration.
Forfeiture Conditions
We reserve the right to freeze, reverse, or forfeit account balance that was:
- Added through fraudulent or unauthorized transactions
- Obtained through abuse of promotions or Terms violations
- Associated with chargebacks or payment disputes
- Held in terminated or suspended accounts
- Subject to legal, regulatory, or sanctions requirements
Forfeiture provisions may not apply where prohibited by local consumer protection laws. Users in such jurisdictions should contact [email protected] before balance expiration.
Important Notice
Your account balance is for purchases on mrcoda.com only. It cannot be withdrawn, transferred, or converted to cash under any circumstances.
Order Flow, Delivery and Availability
Digital items are delivered electronically to your account area and/or to your registered email after the payment is authorized.
On rare occasions we may delay delivery for fraud checks, regulatory screening, publisher/platform restrictions or technical issues.
If an order cannot be fulfilled, we will cancel and, where applicable, refund to the original payment method.
Refunds, Cancellations and Chargebacks
Because digital content is made available immediately, all sales are final once a code is delivered or viewed.
Exceptions
- Non-delivery — We did not deliver the item to your account or email
- Defective/invalid code — Subject to verification with the relevant provider or publisher
You must notify us within 48 hours of delivery for an exception to be considered.
Refund Method
When a refund is approved:
- Refunds are issued to your account balance by default
- Upon request, we may process a refund to the original payment method at our discretion
- Refunds to original payment method may take 5-14 business days depending on your payment provider
Balance-Funded Purchases
- Purchases made using account balance will be refunded to account balance only
- For mixed payments (balance + other method), each portion is refunded to its original source
EU/UK Consumers
When you expressly agree to immediate delivery of digital content, you acknowledge that your 14-day withdrawal right is lost once delivery begins.
Chargebacks
Unfounded chargebacks may result in:
- Immediate account suspension
- Forfeiture of any account balance
- Sharing of dispute materials with the payment processor
- Permanent account termination for repeated violations
If you have an issue with an order, please contact [email protected] before initiating a chargeback.
Acceptable Use
You may not:
- Use stolen or unauthorized payment instruments
- Resell codes without a written reseller agreement
- Bypass technical or regional restrictions
- Violate platform/publisher terms
- Engage in money-laundering, sanctions violations or fraudulent activity
- Deploy bots or malicious automation
These restrictions mirror our internal acceptable-use and access-control requirements.
Verification, Sanctions, AML/KYC
We may request identity verification or other documentation to prevent fraud and comply with AML, KYC and sanctions laws.
We may decline or cancel orders where legally required or where risk thresholds are exceeded.
Privacy, Categories of Data and Retention
We collect only what we need to operate the service and meet legal obligations—typically your name, email address, contact number, transaction metadata (order ID, timestamp, payment status) and service logs (IP address, device identifiers).
We do not store full card numbers or sensitive authentication data; we receive tokens and last four digits only.
Data Retention Periods:
- Customer account data: active period + 24 months
- Transaction records (no full PAN): 7 years
- Support tickets: 24 months
- IP/device logs: 12 months
After these periods, data is securely deleted or anonymized. We honor data-subject requests within statutory timeframes (e.g., GDPR/CCPA) after verifying identity.
Security and Incident Response
We maintain layered security controls including MFA for sensitive access, least-privilege authorization, logging/monitoring and vulnerability management.
We run backups (off-site and encrypted) and conduct restore tests as part of business continuity.
Report Security Issues
If you suspect an issue affecting your account or a product we delivered, contact [email protected] (24/7 monitored).
Third-Party Platforms and Publishers
Digital items are redeemed on third-party platforms that have their own rules, regional restrictions and availability windows. We are not responsible for third-party outages or changes, though we will provide reasonable support in good faith.
Intellectual Property
Site content is owned by us or our licensors. Digital products are licensed for personal, non-transferable use unless otherwise stated. Resale and commercial exploitation require a written B2B agreement.
Disclaimers
The service and digital items are provided “as is” and “as available.” To the extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose and non-infringement.
Limitation of Liability
We are not liable for indirect, incidental, special or consequential damages. Our total liability for direct losses is limited to the total amount you paid to us for the affected order in the preceding three (3) months. Mandatory consumer rights are not limited by this section.
Indemnity
You agree to indemnify and hold us harmless from claims and expenses arising from your violation of these Terms, unlawful use of the service, or misuse of digital items.
Business Customers (B2B)
Bulk purchases, special pricing, API use, credit terms and resale rights apply only where a separate written agreement is executed. Late payments may incur interest and recovery costs per that agreement.
B2B Credits and Prepayments
For business customers under a separate written agreement, we may apply invoice credits, prepayments, or deposits against future invoices. These amounts are not consumer stored value, are not usable by end users on the site, and are not redeemable for cash except as expressly provided in the B2B agreement or required by law. Card-funded top-ups are not accepted for any B2B balance unless explicitly agreed in writing.
Export Control and Sanctions
You must comply with applicable export control and sanctions rules. We may restrict or cancel orders where required by law.
Service Continuity
We maintain a business continuity and disaster recovery program, including RTO/RPO targets and tested backup/restore procedures.
Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Delaware (conflict-of-laws principles excluded). Disputes should first be addressed through good-faith negotiations for 30 days; failing that, the competent Delaware courts shall have jurisdiction unless the parties agree to arbitration.
Changes to These Terms
We may update these Terms from time to time. Material changes will be posted on the site with a new effective date.
