Buyer Terms

1. About DorskoPay

DorskoPay is a payments and commerce platform operated by DORSKO LIMITED, a company incorporated in England and Wales. The platform is being built as a Merchant of Record and authorised reseller service for software and other digital products: software companies list their products, and DorskoPay sells those products to buyers under its own name.

Throughout these Terms, "DorskoPay", "we", "us" and "our" mean DORSKO LIMITED trading as DorskoPay. "You" and "your" mean the person or business making a purchase. "Supplier" means the software company that builds and delivers the product you buy. "Product" means the software, licence, subscription or other digital item you purchase.

2. Scope of these Terms

These Buyer Terms apply whenever you place an order through a DorskoPay-hosted checkout, a DorskoPay payment link, or a purchase flow that DorskoPay operates inside a supplier's application. They govern the sale itself.

They do not replace the supplier's own licence or terms of use for the product. Those govern how you may use the software after you have bought it. Where the supplier's licence and these Terms both apply, these Terms govern the purchase and the payment; the supplier's licence governs use of the product.

These Terms are supplemented by the Refund Policy, the Subscription Policy, the Delivery Policy, the Privacy Policy and the Cookie Policy. Each of those forms part of the agreement between us.

3. The legal entity you are contracting with

Your contract for the purchase is with DORSKO LIMITED, a private company limited by shares, incorporated in England and Wales under company number 15104126, whose registered office is at Unit A, 82 James Carter Road, Mildenhall, Suffolk, IP28 7DE, United Kingdom. DORSKO LIMITED trades as DorskoPay.

DORSKO LIMITED is not a bank and is not authorised by the Financial Conduct Authority. It does not hold client money, does not issue payment instruments and does not provide regulated payment services on its own account. Card and other payment processing is performed by regulated payment and acquiring partners, which is described in clause 12.

You can contact us at support@dorskopay.com or through the contact form. Full registered details appear at the foot of this page.

4. Our role as Merchant of Record

For transactions processed under the Merchant of Record model, DorskoPay is the seller of record. That means DorskoPay, not the supplier, is the counterparty to your purchase. Specifically, DorskoPay:

• enters into the contract of sale with you;
• sets and collects the price shown at checkout;
• is the merchant that appears against the charge on your payment method;
• determines and applies transaction tax on the sale, and issues the buyer-facing tax documentation for it;
• is responsible for refunds under these Terms and the Refund Policy;
• handles payment disputes and chargebacks raised against the transaction;
• is the party you contact about anything relating to the payment.

DorskoPay is not the author of the product, does not warrant that the product will meet your particular requirements beyond what these Terms and applicable law require, and does not provide technical support for the product itself.

5. The supplier of the underlying software

Every product sold through DorskoPay originates with a supplier — the software company that develops and operates it. The supplier's identity is disclosed at checkout and on your receipt.

The supplier is responsible for building the product, provisioning your access to it, keeping it available for the period you have paid for, and providing product support. The supplier is bound to DorskoPay by the Supplier Agreement, which includes obligations owed for your benefit as a buyer — accurate product descriptions, prompt fulfilment, and cooperation with refund and dispute investigations.

If the supplier fails to deliver or the product is materially not as described, your remedy is against DorskoPay as seller of record. You do not have to pursue the supplier yourself.

6. How a contract is formed

The display of a product at a DorskoPay checkout is an invitation to treat, not an offer. Your submission of an order at checkout is an offer to buy the product on these Terms.

A contract between you and DORSKO LIMITED is formed when we accept your order. Acceptance occurs when payment is authorised and we issue an order confirmation containing a transaction reference. Until that point no contract exists and we may decline the order.

If your payment is authorised but we subsequently decline the order under clause 41, no contract is formed and the authorisation is released or the amount is refunded.

7. Orders

Before you confirm an order, the checkout shows you the product, the supplier, the price, any applicable tax, the total amount due today, the currency, and — for a subscription — the recurring amount and interval. Please read that summary; it is the substance of what you are agreeing to.

You are responsible for the accuracy of the information you provide at checkout, in particular the email address used to deliver the product and the country used to determine applicable tax. If you give us an incorrect email address we may not be able to deliver the product, and re-delivery may require you to prove ownership of the purchase.

Keep your transaction reference. It is the fastest way for us to identify a purchase in any later request about delivery, a renewal, a refund or a dispute.

8. Prices

The price payable is the price displayed at checkout at the moment you place the order, in the currency displayed. That price, plus any tax shown separately, is the total you will be charged. We do not add fees at the point of payment that were not shown to you before you confirmed.

Prices are set by reference to the supplier's pricing for the product and may change. A change to a product's price does not affect an order already placed, and for subscriptions is governed by clause 20 and the Subscription Policy.

Where a price is displayed with an obvious error — a pricing or typographical mistake that a reasonable buyer would recognise as such — we are not obliged to supply at that price. If we discover the error before delivery we will contact you, and you may confirm the order at the correct price or cancel it for a full refund.

Where a discount code, promotional price or introductory rate applies, its conditions and the price that will apply afterwards are shown before you confirm.

9. Taxes

Applicable VAT, GST or sales tax is determined from the country and, where relevant, the region you provide at checkout, together with the tax treatment of the product. The tax amount is calculated and displayed separately before you pay, so the total is never a surprise.

Under the Merchant of Record model, DorskoPay determines the transaction tax on the sale and issues the buyer-facing tax documentation in its own name as seller of record. Where DorskoPay holds a registration in the relevant jurisdiction, that documentation is a tax invoice bearing the applicable registration number; where DorskoPay does not hold a registration, it is a commercial receipt showing the amount charged.

Business buyers may be able to supply a valid VAT or tax identification number at checkout. Where the number validates and the applicable rules permit it, the reverse charge or a zero rate may apply. You are responsible for the accuracy of any tax number you give us and for your own tax treatment of the purchase.

10. Currency

The currency of the sale is the currency shown at checkout. That is the currency in which you are charged and in which any refund is made.

If the currency of the sale differs from the currency of your payment method, your card issuer or payment provider will convert the amount at its own rate and may apply its own cross-border or currency-conversion fee. That conversion and any such fee are between you and your issuer; DorskoPay has no control over either and does not receive them.

A refund is returned in the currency of the original sale. Because your issuer applies its own rate on the day of the refund, the amount that reaches your account in your home currency may differ slightly from the amount that originally left it.

11. Payment authorisation

By submitting an order you authorise DORSKO LIMITED trading as DorskoPay, and the payment partners acting for it, to charge the payment method you provide for the total shown at checkout.

You confirm that you are the person entitled to use that payment method, or that you have the express permission of the person who is. Submitting a payment method you are not entitled to use is a breach of these Terms and may be a criminal offence.

For subscriptions, you additionally authorise recurring charges on the schedule shown at checkout until the subscription is cancelled. That authorisation is described in clause 18 and in the Subscription Policy, and is recorded at the point you give it.

Your payment may be subject to additional authentication required by your issuer or by applicable law, including strong customer authentication. If authentication fails or is not completed, the payment will be declined and no contract is formed.

12. Card and payment processing

Card and other payment processing for production transactions is performed by regulated payment and acquiring partners engaged by DORSKO LIMITED. Those partners receive the data necessary to authorise, capture, settle, refund and dispute a transaction.

DorskoPay does not store your full card number or card security code on its own systems. Where a payment credential is retained for a subscription or a future purchase, it is held by the payment partner and referenced by a token; DorskoPay retains only the card brand, the last four digits and the expiry date so that you can recognise the card.

Which payment methods are available at a given checkout depends on the product, your country and what the payment partner supports for that transaction. The methods offered to you at checkout are the methods available for that purchase.

13. What appears on your statement

Because DorskoPay is the seller of record, the charge on your card or bank statement is expected to show DORSKOPAY, rather than the name of the supplier or of the product. Your receipt names both DorskoPay and the supplier so that the two can be matched.

The final descriptor format is set by the acquiring partner and card scheme rules and may be shortened or combined with a reference. The descriptor shown on your receipt is the one to look for on your statement.

If you see a charge you do not recognise, please contact us before opening a dispute with your bank. Most unrecognised charges are a DorskoPay descriptor against a product bought under a different name, and we can identify it from the amount and date within one working day. Our full approach is set out in the Complaints Policy.

14. Digital fulfilment

Everything sold through DorskoPay is delivered digitally. Nothing is shipped, and there are no delivery charges, customs procedures or courier arrangements.

Delivery normally happens immediately after payment is authorised: completion of payment triggers a signed event to the supplier, and the supplier provisions your access from that event. Where a product requires a manual step by the supplier, the expected timeframe is stated on the product before purchase.

How each type of product is delivered, what "delivered" means for each, and what to do if delivery does not happen, are set out in the Delivery Policy.

15. Software licences

Where the product is a software licence, you receive a licence to use the software on the terms the supplier sets. DorskoPay sells you that licence as the supplier's authorised reseller; it does not grant you any rights in the software beyond the licence itself.

Licence keys and activation codes are personal to the purchase. They must not be resold, shared publicly, or distributed beyond the scope the supplier's licence permits.

If a licence key does not activate, contact us with the transaction reference. We will raise it with the supplier and, where the licence cannot be made to work, the purchase is treated as undelivered under the Refund Policy.

16. SaaS access

Where the product is a hosted software service, delivery means that access to the service is provisioned on the supplier's platform for the period you have paid for.

Availability, performance and feature scope of the hosted service are the supplier's responsibility and are governed by the supplier's own terms and any service commitment it publishes. A short, ordinary interruption to a hosted service is not by itself a failure of delivery.

A sustained failure to provide the service you paid for is a failure of delivery, and is dealt with under the Refund Policy.

17. Account activation

Delivery of many products depends on an account being created or upgraded using the email address you gave at checkout. Please use an address you control and can access.

Activation emails and licence keys are frequently filtered into spam or promotional folders. If access has not arrived, check there first; it resolves most reported non-deliveries.

Activation may be delayed by a security or verification check on the transaction. Where that happens we will tell you, and if the check cannot be cleared the order is cancelled and refunded in full.

18. Subscriptions

A subscription is a recurring purchase. When you subscribe, you authorise DORSKO LIMITED trading as DorskoPay to charge your payment method the stated amount, in the stated currency, at the stated interval, until the subscription is cancelled.

Before you confirm, the checkout shows the recurring amount, the billing interval, the amount due today (which may be zero during a trial), and the date of the first recurring charge. That authorisation, its terms and the moment you gave it are recorded against your order.

The full operation of subscriptions — periods, renewals, plan changes, failed payments and cancellation — is set out in the Subscription Policy.

19. Free trials and introductory pricing

Where a subscription includes a free trial or a discounted introductory period, the checkout states the length of that period, the price that applies afterwards, and the date the first full charge will be taken. Nothing is charged during a free trial.

A trial converts into a paid subscription automatically at the end of the trial period unless you cancel before it ends. Cancel during the trial and you are not charged.

We do not operate trials that hide the post-trial price, that make the conversion date unclear, or that obstruct cancellation. Suppliers are prohibited from designing such flows by the Acceptable Use Policy.

20. Automatic renewal

Subscriptions renew automatically at the end of each billing period at the price shown, unless cancelled beforehand. Each renewal is charged at the start of the period it pays for.

Where applicable law requires advance notice of a renewal or of the end of a trial, that notice is sent to the email address on the order before the charge is taken.

If the price of an ongoing subscription changes, the change applies only from a future billing period and never retrospectively, and you are notified before it takes effect so that you can cancel if you do not accept it.

21. Cancellation

You can cancel a subscription at any time, online, from your customer portal — the same way you started it — or by contacting DorskoPay support. We do not require a phone call, a retention conversation, or a notice period to cancel.

Cancellation stops future renewals. Unless stated otherwise for the product, it takes effect at the end of the billing period you have already paid for: you keep access until then and are not charged again.

We send an acknowledgement confirming the cancellation and the date access ends. Keep it; it is your evidence that the subscription was cancelled.

Cancelling a subscription is not the same as requesting a refund of a charge already taken. Clause 22 and the Refund Policy explain the difference.

22. Refunds

As seller of record, DorskoPay is responsible for refunds on the sales it makes. Refunds are returned to the payment method used for the original purchase; we cannot refund to a different card, account or person.

The Refund Policy sets out the situations in which a refund is issued — duplicate charges, unauthorised payments, non-delivery, materially defective or misdescribed products, failure of a hosted service, and others — what evidence we may ask for, and how long each step takes.

A refund does not by itself terminate a subscription, and cancelling a subscription does not by itself refund a charge. If you want both, ask for both.

Your statutory rights to a refund, repair, replacement or price reduction under applicable consumer law are unaffected by the Refund Policy and are additional to it.

23. Failed payments

If a payment fails — an expired card, insufficient funds, or a decline by your issuer — the order is not completed and, for a subscription, the renewal is retried on a published schedule.

We notify you by email when a renewal payment fails so that you can update your payment method. If the payment still cannot be collected once the retry schedule completes, the subscription may be suspended or cancelled and access may end.

You remain liable for amounts properly due for a period in which you had access to the product.

24. Chargebacks and payment disputes

You have the right to dispute a charge with your card issuer or payment provider. That right is unaffected by these Terms, and nothing here requires you to contact us first.

We do ask you to, because it is usually faster. Most disputes we see are unrecognised descriptors or a renewal the buyer had forgotten, and both are resolved by us within a working day. A chargeback typically takes weeks and, if it is resolved in your favour, returns the same money more slowly.

Where a chargeback is raised, DorskoPay handles it as the merchant of record: we gather evidence, involve the supplier where the dispute concerns delivery or the product, and either accept the chargeback or submit a representment. The outcome is determined by your issuer and the card scheme, not by DorskoPay.

Raising a chargeback on a charge you know to be valid, in order to obtain the product without paying for it, is a breach of these Terms and may result in the product being deactivated and future orders being refused.

25. Unauthorised transactions

If you believe a payment was made using your payment method without your authority, tell us immediately at support@dorskopay.com and contact your card issuer or bank.

We will investigate promptly. Where a transaction was not authorised by the cardholder, it is refunded, and we take steps to prevent further charges on the same credential.

Your rights against your card issuer or payment service provider in respect of an unauthorised payment are set by law and by your agreement with them, and are unaffected by these Terms.

26. Your rights as a consumer

If you are buying as a consumer — an individual acting wholly or mainly outside a trade, business, craft or profession — you have rights under applicable consumer law that cannot be excluded or limited by contract. Nothing in these Terms affects those rights.

For consumers in the United Kingdom, those rights include the right to digital content that is of satisfactory quality, fit for a purpose made known to us, and as described, together with the statutory remedies of repair or replacement, price reduction, and in defined circumstances a refund.

Consumers resident in the European Union and in other jurisdictions with mandatory consumer protection retain the rights conferred by the law of their place of residence. Where a term of these Terms conflicts with such a mandatory right, the mandatory right applies.

A separate summary of how cancellation rights operate for digital content is in clause 27.

27. Digital content and cancellation rights

Products sold through DorskoPay are digital content or digital services. Where consumer law gives you a cancellation or withdrawal right for a distance contract, that right applies to your purchase in accordance with the law of your place of residence.

For consumers in the United Kingdom and the European Union, the law provides that where supply of digital content begins during the cancellation period, the cancellation right may be lost — but only where all of the following are satisfied:

1. 27.1 you gave your express consent to the supply beginning before the end of the cancellation period;
2. 27.2 you acknowledged that you would, in consequence, lose the cancellation right; and
3. 27.3 we provided you with confirmation of that consent and acknowledgement on a durable medium.

Where the product is delivered immediately, the DorskoPay checkout asks you to give that consent and that acknowledgement explicitly, as a separate step, before you can complete the purchase. We record the consent, the exact wording you were shown, the version of these Terms in force, the product, the amount, the transaction reference and the time — and we send it to you in your order confirmation.

Where you did not give that consent, or where the conditions above are not met, or where the law of your place of residence provides otherwise, your cancellation right survives and you may exercise it by contacting us within the applicable period.

A lost cancellation right is not a lost refund right. It does not affect your statutory remedies where the digital content is faulty, not as described, or never delivered — those are dealt with under clause 22 and the Refund Policy.

28. Intellectual property

The supplier owns the intellectual property in the product. DorskoPay owns the DorskoPay platform, its brand and its content. Your purchase gives you the licence to use the product on the supplier's terms; it transfers no ownership of anything.

You may not copy, decompile, reverse-engineer, redistribute or resell a product except to the extent the supplier's licence or applicable law expressly permits.

29. Supplier responsibilities

Suppliers are contractually required, under the Supplier Agreement, to describe their products accurately, to state prices and renewal terms clearly, to fulfil promptly after a completed sale, to keep a product available for the period a buyer has paid for, to provide product support, and to cooperate with our refund and dispute investigations.

Where a supplier fails to meet those obligations, DorskoPay may suspend the product, withhold the supplier's proceeds, or terminate the relationship. As a buyer, your remedy remains against DorskoPay.

30. Your obligations

• Provide accurate information at checkout, including a working email address and a correct country for tax purposes.
• Use only a payment method you are entitled to use.
• Keep your account credentials and any licence key confidential.
• Use the product in accordance with the supplier's licence and applicable law.
• Tell us promptly if you do not receive a product, do not recognise a charge, or believe a payment was unauthorised.

31. Prohibited use

You must not use a DorskoPay checkout to make a payment that is unlawful, to test stolen payment credentials, to obtain a product by deception, or to circumvent a restriction we or a supplier have applied to your account.

You must not attempt to interfere with the operation or security of the platform, to access data belonging to another buyer, or to place orders by automated means without our written permission.

We may refuse an order, cancel a completed order, deactivate a delivered product and decline future orders where we reasonably believe this clause has been breached.

32. Service availability

We aim to keep the checkout and the customer portal available at all times, but we do not guarantee uninterrupted availability. Access may be interrupted by maintenance, by a fault, or by an event outside our reasonable control.

Availability of the product you bought is the supplier's responsibility, as described in clause 16.

An interruption to the checkout does not affect a purchase already completed, and does not extend a subscription period.

33. Third-party services

The platform depends on third parties — hosting, email delivery, identity verification, payment and acquiring partners, and tax data. Their involvement in processing your personal data is described in the Privacy Policy.

Where you follow a link from a DorskoPay page to a supplier's site or another third-party service, that service is governed by its own terms and privacy notice, not by ours.

34. Our liability to you

We are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our failure to use reasonable care and skill. Loss or damage is foreseeable if it is obvious that it will happen, or if we both knew it might happen at the time the contract was made.

Where we supply digital content that damages a device or other digital content belonging to you, and that damage is caused by our failure to use reasonable care and skill, we will repair the damage or pay you compensation, to the extent applicable law provides.

Subject to clause 36, our total liability to you in connection with a purchase is limited to the amount you paid for that purchase, except where a higher amount is required by applicable law.

35. Exclusions where the law permits them

To the extent permitted by law, we are not liable for loss or damage that was not foreseeable, for loss arising from your use of a product other than in accordance with the supplier's licence, or for loss caused by your failure to keep credentials or licence keys secure.

Where you are buying as a business rather than as a consumer, and to the extent permitted by law, we are not liable for loss of profit, loss of business, business interruption, or loss of business opportunity, and our total liability is limited as set out in clause 34.

We are not liable for a failure to perform caused by an event outside our reasonable control, including failure of a payment partner, a supplier, a hosting provider or a telecommunications network — but where such an event prevents delivery of what you paid for, you are entitled to a refund under clause 22.

36. Liability we do not exclude

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited.

Nothing in these Terms excludes or limits the statutory rights of a consumer, including rights relating to digital content that is not of satisfactory quality, not fit for purpose or not as described.

If any part of clause 34 or 35 is found to be unenforceable in respect of a consumer, that part does not apply to that consumer and the remainder continues to apply.

37. Indemnity (business buyers only)

This clause applies only where you are buying as a business and does not apply to consumers.

If you are a business buyer, you will indemnify us against losses, liabilities and reasonable costs we incur arising from your breach of clause 31 (prohibited use), your use of a payment method you were not entitled to use, or your use of a product in breach of the supplier's licence.

We impose no indemnity on consumer buyers.

38. Your personal data

DORSKO LIMITED is a data controller for the personal data involved in your purchase. What we collect, why, on what legal basis, who receives it, how long we keep it and what rights you have are set out in the Privacy Policy.

Cookies and similar technologies used on the site are described in the Cookie Policy.

39. Communications

We will contact you at the email address you gave at checkout. Transactional messages — order confirmations, receipts, delivery notifications, renewal notices, failed-payment notices, cancellation confirmations and refund confirmations — are part of the service and are not marketing.

We will not send you marketing email about other products unless you have separately asked us to, and any such message will carry an unsubscribe link.

Notices under these Terms may be given by email to the address on the order.

40. Changes to these Terms

We may change these Terms. The version in force when you place an order is the version that governs that order; a later change does not alter a contract already formed.

For an ongoing subscription, we will give you notice of a material change before it takes effect. If you do not accept it, you may cancel the subscription before the change applies.

Every version carries a version number and an effective date at the top of this page, so you can tell which version applied when.

41. Refusing or cancelling an order

We may refuse an order, or cancel one after it has been placed, where: the product is unavailable or has been withdrawn; the price was obviously wrong; the order fails a fraud, sanctions or verification check; the supplier is suspended; the product falls outside the Acceptable Use Policy; or supplying it would breach applicable law or a payment partner or card scheme requirement.

Where we refuse or cancel an order that has already been charged, we refund it in full without deduction.

We will tell you that an order has been refused or cancelled, and why, to the extent we are permitted to.

42. Termination

You may stop using the platform at any time, and may cancel any subscription as described in clause 21.

We may suspend or close your buyer account where you breach these Terms, where we are required to by law or by a payment partner, or where the account is being used fraudulently.

Termination does not affect accrued rights: refunds due to you remain due, amounts properly owed for periods already supplied remain payable, and clauses which by their nature survive — including 28, 34 to 37, 38 and 44 — continue to apply.

43. Complaints

If something has gone wrong, tell us. Our Complaints Policy sets out how to complain, what information to include, how quickly we acknowledge and respond, and how to escalate if you are not satisfied with the outcome.

Using the complaints process does not affect your right to raise a dispute with your card issuer, or any other right or remedy you have.

44. Governing law

These Terms and any dispute arising out of them are governed by the law of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction.

If you are a consumer resident elsewhere, this does not deprive you of the protection of the mandatory provisions of the law of your country of residence, and you may bring proceedings in the courts of that country where the law gives you that right.

45. Mandatory consumer rights prevail

Where any provision of these Terms conflicts with a mandatory consumer protection that applies to you and cannot be excluded by agreement, that protection prevails and the conflicting provision does not apply to you.

This clause is intended to be read broadly, and applies to every other clause of these Terms.

46. Severability, waiver and assignment

If any provision of these Terms is found to be unlawful or unenforceable, it is severed and the remaining provisions continue in force.

A failure or delay by us in enforcing a provision is not a waiver of it, and does not prevent us from enforcing it later.

We may assign or transfer our rights and obligations under these Terms to another entity, provided this does not reduce the rights or the protections you have. You may not transfer your rights under these Terms without our written consent.

47. Entire agreement

These Terms, together with the Refund Policy, the Subscription Policy, the Delivery Policy, the Privacy Policy, the Cookie Policy and the order confirmation for your purchase, constitute the entire agreement between you and us in respect of that purchase.

Nothing in this clause limits your remedies for a fraudulent misrepresentation, and nothing in it limits the statutory rights of a consumer.

48. How to contact us

For anything relating to a payment, a receipt, a tax invoice, a renewal, a cancellation, a refund or a dispute, contact DorskoPay at support@dorskopay.com or through the contact form, quoting your transaction reference.

For questions about how the software itself works, the supplier who built it will usually answer faster. Their details are on your receipt.