1. Once a User has accepted these Terms and Conditions, he/ she may register and avail the Services.

2. Server Slow Down/Session Timeout: In case the Website or Payment Service Provider’s webpage, that is linked to the Website, is experiencing any server related issues like ‘slow down’ or ‘failure’ or ‘session timeout’, the User shall, before initiating the second payment, check whether his/her Bank Account has been debited or not and accordingly resort to one of the following options:

• In case the Bank Account appears to be debited, ensure that he/ she does not make the payment twice and immediately thereafter contact the NDCMarketplace via e-mail or any other mode of contact as provided by the NDCMarketplace to confirm payment.
• In case the Bank Account is not debited, the User may initiate a fresh transaction to make payment.
• However, the User agrees that under no circumstances the Payment Gateway Service Provider shall be held responsible for such fraudulent/duplicate transactions and hence no claims should be raised to Payment Gateway Service Provider. No communication received by the Payment Service Provider(s) in this regard shall be entertained by the Payment Service Provider(s).

3. The NDCMarketplace and the Payment Service Provider(s) assume no liability whatsoever for any monetary or other damage suffered by the User on account of:

• The delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Payment Gateway or Services in connection thereto; and/ or
• Any interruption or errors in the operation of the Payment Gateway.

4. All credit/debit cards details and personally identifiable information will NOT be stored, sold, shared, rented or leased to any third parties.

5. Although all reasonable care has been taken towards guarding against unauthorized use of any information transmitted by the User, the NDCMarketplace does not represent or guarantee that the use of the Services provided by/ through it will not result in theft and/or unauthorized use of data over the Internet.

6. NDCMarketplace will NOT deal or provide any services or products to any of OFAC (Office of Foreign Assets Control) sanctions countries in accordance with the law of UAE (Cuba, Iran, North Korea, Russia, Sudan, Syrian Arab Republic).

7. The Website Policies and Terms & Conditions may be changed or updated occasionally to meet the requirements and standards. Therefore the Customers’ are encouraged to frequently visit these sections in order to be updated about the changes on the website. Modifications will be effective on the day they are posted .

Governing Law and Jurisdiction

Any purchase, dispute or claim arising out of or in connection with this website shall be governed and construed in accordance with the laws of UAE.

Debit/Credit Card, Bank Account Details

1. The User agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the User shall not use a debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The User further agrees and undertakes to provide correct and valid debit/credit card details.

2. The User may pay his/ her fees to the NDCMarketplace by using a debit/credit card or through online banking account. The User warrants, agrees and confirms that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card / bank details: The User is fully and lawfully entitled to use such credit / debit card, bank account for such transactions;

• We accept payments online using Visa and MasterCard credit/debit card in USD
• The User is responsible to ensure that the card/ bank account details provided by him/ her are accurate;
• The User is authorizing debit of the nominated card/ bank account for the payment of fees selected by such User along with the applicable Fees.
• The User is responsible to ensure sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the payment of the dues payable or the bill(s) selected by the User inclusive of the applicable Fee.

Payment Gateway Disclaimer

The Service is provided in order to facilitate access to view and pay Fees online. The NDCMarketplace or the Payment Service Provider(s) do not make any representation of any kind, express or implied, as to the operation of the Payment Gateway other than what is specified in the Website for this purpose. By accepting/ agreeing to these Terms and Conditions, the User expressly agrees that his/ her use of the aforesaid online payment Service is entirely at own risk and responsibility of the User.

Cancellation Policy

Once the User will be registered and paid the Fee through online Payment Gateway. He/she will not be able to cancel the transaction in any circumstances. No Payment will be refunded to the User.

Payment Refund Policy for Online Payments

Refund for Charge Back Transaction: In the event there is any claim for/ of charge back by the User for any reason whatsoever, such User shall immediately approach the NDCMarketplace with his/ her claim details and claim refund from the NDCMarketplace alone. Such refund (if any) shall be affected only by the NDCMarketplace via payment gateway or any other means as the NDCMarketplace deems appropriate. No claims for refund/ charge back shall be made by any User to the Payment Service Provider(s) and in the event such claim is made it shall not be entertained.

Refund for fraudulent/duplicate transaction(s): The User shall directly contact the NDCMarketplace for any fraudulent transaction(s) on account of misuse of Card/ Bank details by a fraudulent individual/party and such issues shall be suitably addressed by the NDCMarketplace alone in line with their policies and rules.