The international payment cards Visa International issued under logo 3R CARD are plastic identification instruments, the use of which is regulated and governed by the Charter and regulations of Visa International Payment System, as well as the Agreement concluded with the Cardholder, and these Rules, as established between the Company and the Customer.

1. Definition of terms.

AUTOMATIC TELLER MACHINE (ATM, CASH MACHINE) - An automatic machine intended for dispensing of cash.
AUTHORIZATION - The Bank's confirmation of an electronic query of acquiring bank as for possibility of entering/processing of a Payment Transaction.
BANKING DAY - A business day, during which banking institutions are open for customer servicing.
COMPANY - 3R Finance LLC.
CURRENCY OF THE ACCOUNT - The currency (US dollars) in which a Card or Current Account is opened.
SPENDING LIMIT - Amount of funds within the balance of the Card Account, which is available to a Payment Card Holder during a specified time for performance of transactions using the Payment Card. CARD ACCOUNT HOLDER - Natural person in whose name a Card Account is opened pursuant to the Agreement with the Cardholder.
TO DEBIT - to debit a Card Account with funds.
PAYMENT CARD HOLDER (CARDHOLDER) - Natural person who uses the Payment Card on legal grounds for initiation of transfer of funds from the corresponding Card Account with the Bank or performs other transactions using the Card.
CARDHOLDER'S AUTHORIZED PERSON - Natural person (family member or other natural person) designated in the Agreement with the Cardholder, to whom the Cardholder entrusted and committed to perform transactions using the Payment Card at the expense of a part of or all funds available on the Cardholder's Card Account.
AGREEMENT - Agreement on issue and service of international payment plastic card concluded between the Company and the Cardholder (this Rules of Use).
ADDITIONAL PAYMENT CARD - Identification instrument in the form of a plastic card containing mandatory requisites designated by the Payment System, which identify the Payment System, issuer of the Payment Card, Cardholder or Cardholder's Authorized Person.
APPLICATION FOR OPENING CARD ACCOUNT AND ISSUING PAYMENT CARD (APPLICATION FORM/APPLICATION) - Document which Cardholder fill in and containing Cardholder's requisites, contact information, type of Payment card and other information needed to make decision as for issuing Payment card.
REPORT - A monthly report on the state of the Card Account delivered by the Company to the Cardholder.
CARD ACCOUNT (ACCOUNT) - The Customer's Account, on which the transactions using the Payment Card/s are booked.
CLIENT/CUSTOMER - Legal entity or/and natural person (Organization and/or Payment Card Holder) having concluded relevant agreement (Salary Agreement or/and Agreement with the Cardholder) with the Bank.
CREDIT (CREDIT LINE) - Funds of the Company being granted to the Client/Customer.
TO CREDIT - To enter funds to the Card Account.
MINIMUM DEPOSIT - Minimum amount designated by the Company to be paid by the Cardholder as a lump sum prior to receipt of the Card at the Bank.
INVALID CARD - A card, any payments/settlements using which are discontinued/suspended for any reason (expiration, entering in the Stop-List, physical damage, closing of the Card Account, etc.).
MINIMUM BALANCE - Funds of the Account Holder that are blocked at the Company on the Card Account for the period of validity of the Agreement and constitute a security for transactions using the Cards.
UNAUTHORIZED DEBITING - Debiting of the Card Account in contravention of the rules established by the Payment System and/or the Company.
OVERDRAFT - A short-term credit granted to the Cardholder in case of shortage of funds of his/her Card Account for payment of some or other transactions. An overdraft may be: Authorized - an overdraft granted to the Cardholder within the amount falling short on his/her Card Account; Unauthorized - an overdraft, which automatically occurs on the Cardholder's Card Account in case of shortage of funds for payment of all other transactions/operations.
CARD TRANSACTION/TRANSACTION USING CARD (PAYMENT TRANSACTION) - Debiting or/and Crediting of the Card Account, as well as transactions in which the Card is used, pursuant to the Agreement, for payments for the goods and services or for receipt of cash funds.
PIN-CODE - A personal identification number, which is used for drawing funds from Cash Machines or in other cases, where it replaces signature of the Payment Card Holder.
PAYMENT CARD (CARD) - An identification instrument in the form of a plastic card (principal or Additional) containing mandatory requisites designated by the Payment System, which identify the Payment System, issuer of the Payment Card, Cardholder or Cardholder's Authorized Person.
PAYMENT SLIP - A sales receipt (slip, electronic/point-of-sale terminal receipt, Cash Machine receipt) of the form established by the Payment System which contains all requisites of the Payment Transaction performed by the Cardholder.
SETTLEMENT CYCLE - Period of time (calendar month) for which the Cardholder receives a Report on the transactions performed on the Card Account.
PAYMENT SYSTEM - International payment system (Visa International).
STOP-LIST - List of Payment Cards (numbers of Payment Cards,) any transactions using which are prohibited. Depending on the Payment System regulations, a Stop-List may be electronic or paper.
TARIFFS - The list of the Company's services with indication of their cost. The Company may change and supplement the Tariffs, whereof the Client/Customer is to be notified in accordance with the conditions set forth in these Rules.
SELLER - Enterprises (shops/stores, hotels, restaurants, etc.), which accept the Card for payment.

2. Use of Card and PIN-Code.

The Card shall be issued during 10 (ten) Banking Days from the date of receiving Application. In case of refusal, the Company reserves the right not to comment on its decision. The Card and PIN-Code shall be sent to the Cardholder personally to provided in Application address during 2 (two) Banking Days by the regular mail. PIN-Code shall be delivered in a special sealed envelope. Within 3 (three) calendar days from receipt of the Card by the Cardholder, the Cardholder shall check the Card for bugs by means of obtaining of a statement of the Card Account at the Cash Machine and have to scan and send to the Company the valid photo ID (passport , driver license etc.) via email, fax or mail for identification and setting Credit Line.
Payment Card issued to the Cardholder shall be property of the Company. The Card and PIN-Code must be used in accordance with these Rules. The person whose first name, family name and signature are stamped on the Card shall have the right to use the Card. The Card may be used for payment for the goods and services by bank transfer/on account, as well as for drawing money at all Card service points. Spending using the Card shall be within the Spending Limit. In addition to the aforementioned transactions, the Payment Cards may be used as instruments for operations on entering cash funds to own Card Accounts, for payment for public utility services and other services by cash through the Cash Machines supporting these functions (deposit Cash Machines).
To effect a Payment Transaction, a Card should pass an Authorization. According to the Payment System regulations, Payment Transactions with small amounts may be effected without Authorization. Should the currency of Authorization/Payment Transaction be different from the currency of the Card Account, the Payment System will autonomously convert the Authorization amount to the currency of the Card Account at the exchange rate established by the Payment System as of the date of Authorization.
The goods having been purchased using the Payment Card may be returned to the person having sold such goods. The goods shall be returned in accordance with the regulations established by relevant normative acts, and repayment of funds for the product (service) shall be effected by means of entering of such funds to the Card Account, in accordance with the procedure designated by the Payment System regulations, or in cash, provided that it does not conflict with the Payment System regulations. At purchase or drawing of cash funds, the Payment Card Holder shall produce the Card and endorse the Payment Slip by his/her signature, having checked in advance that the number of the Card, amount and date of transaction are correctly stated in this document. In case of drawing funds at ATM, PIN-Code is used in place of the Cardholder's signature. Payment Card Holder must bear in mind that at servicing using the Card he/she may be requested to produce passport or other document for personal identification.
Note: In any case of discontinuation/suspension of payments/settlements using the Card for any reason and on any ground whatsoever (expiration, entering in the STOP-List, physical damage, closing of the Card Account, etc.), the Card shall be deemed invalid.

3. Payment Card Holder.

The Cardholder shall bear full responsibility:
- for fulfillment of the terms and conditions of the Card Use Rules;
- for any and all transactions/operations using the Card that have been performed before expiration of the Card and delivery of the Card to the Company;
- during 45 (forty five) calendar days from the date of expiration of the Card and delivery of the Card to the Company;
- in other cases provided for by the Card Use Rules;

Payment Card Holder shall:
- when issued with a Card, affix his/her signature thereto;
- not disclose the number of the Card, PIN-Code and CVV-2 (3 digits on the front of card on/behind of the signature panel) to any person, including members of the Cardholder's family, not keep PIN-Code together with the Card, not write PIN-Code on the Card;
- immediately notify the Company of loss or theft of the Card, as well as of the fact that PIN-Code has come to knowledge of any third person;
- not use Invalid, counterfeit, damaged Card;
- when keeping the Card, follow the same safety and security measures as those applied with regard to cash funds and securities;
- sign only those invoices/bill/accounts and receipts which are drawn up correctly and in full;
- keep the Payment Slips, which confirm validity of performed transactions, during 3 (three) years from the date of execution of relevant document, and submit such documents to the Company at the Company's short notice;
- perform transactions using the Card within the set Spending Limit and allow no Overdrafts;
- pay for the Company's services in accordance with the Tariffs.

Should the Payment Card Holder become doubtful of his/her ability to fulfill the terms and conditions of the Agreement, he/she shall return the Card to the Company. The Cardholder shall compensate for all losses incurred by the Company through the Cardholder's fault, or through the fault of the Authorized Persons of the Cardholder.

4. Card Account. Report.

The Card Account shall be maintained and operated in US dollars. The Cardholder may use the Card Account funds only for settlements/payments involving the Card Transactions, if other cases not provided for by the Agreement with the Card Use Rules.
The Company shall debit the Card Account with all amounts related to the expenses incidental to issue of the Card, its renewal and use, as well as in case of termination of the Agreement.
The Company shall submit a Report to the Cardholder for each Settlement Cycle. The Report shall include the list of Payment Transactions effected by the Cardholder on the Card Account, including payments in favor of the Bank, as well as the balance of the Card Account. The Cardholder undertakes to receive the Report on his/her own, or the Company shall send the Report to the address specified by the Cardholder. Non-receipt of the Report shall not release the Cardholder from fulfillment of his/her obligations under the Agreement.
Should the Cardholder reveal any discrepancy between the transactions and the amounts stated in the Report and those actually performed, then within 15 (fifteen) calendar days after the end of a regular Settlement Cycle, the Cardholder shall notify the Company thereof in writing and shall enclose appropriate Payment Slips, failing which the Report shall be deemed confirmed and the Company shall accept no further claims. Should the Cardholder's claim be grounded, the Company shall repay the Cardholder the funds withheld/debited in excess, within the time limits agreed upon by the Company and the Cardholder. Should the Cardholder's claim be ungrounded, the Company shall have the right to debit the Card Account with all amounts of expenses incidental to consideration of the application, and payment for the Company's investigation of the circumstances of the Payment Transaction/s with regard to which the Cardholder has made a written statement of his/her doubts as to the fact of performance of such Payment Transaction/s, while the Company has ascertained that the Transaction/s has/have taken place, in accordance with the Tariffs.

5. Payments. Modification of Tariffs and/or Rules.

The Cardholder shall defray all expenses and effect other payments resulting from and arising out of use of the Card.
All services of the Company shall be paid for in accordance with the Tariffs.
The Client/Customer shall pay the Company for issue of the Cards, their exchange and renewal at opening of a Card Account or at exchange or renewal of the Card.
Interest on credit, authorized and/or unauthorized Overdraft shall be calculated for each day from the date of occurrence of the Overdraft up to the date of redemption of the indebtedness to the Company.
The Company shall have the right to change and supplement the Tariffs and/or Rules subject to prior notification of the Client/Customer 14 (fourteen) calendar days prior to the effective date of such new tariffs and/or rules. The Company shall notify of any change in the Tariffs and/or Rules by means of placing of relevant information on new tariffs and/or rules on the stands in the Company's premises and the official site www.3rcard.com. The Client/Customer undertakes to independently keep track of the Company's information concerning change in Tariffs and/or Rules. Should the Client/Customer disagree to new Tariffs and/or Rules, he/she shall have the right to cancel the Agreement in accordance with the procedure set forth therein.

6. Credit Line/Overdraft.

After 3 month of using, for the Cardholder Account can be opened the Credit Line as an revolving credit. The Company will set for Cardholder the Credit Line in amount of 50% from the average monthly turnover for the last quarter but no less than $100 and no more than $10,000. For using Credit Line, the Cardholder should pay for Company the interests and fees in accordance with the Tariffs. Used credit funds with all interests and fees must be paid by the Cardholder to the Company during 24 month from the date of first use but before the card expiration date.
The Cardholder shall attend to and keep track of spending of monetary funds from his/her Card Account in order to prevent an Unauthorized Overdraft.
If an Unauthorized Overdraft occurs, the Company immediately blocks the Authorization. The Company shall charge interest on the amount of the Unauthorized Overdraft at the rate stipulated in the Tariffs. The interest shall be charged from the time of occurrence of the Unauthorized Overdraft till the time of its redemption by the Cardholder.
The Cardholder shall enter/pay the amount of funds required for redemption of the amount of Unauthorized Overdraft and charged interest within the month during which the Unauthorized Overdraft has taken place. In case of no redemption Unauthorized Overdraft in agreed term Company urgent blocks Card account and enter the Card in the Stop-List.

7. Claims.

The Company shall not be responsible:
- for any third person's (Seller's) refusal to accept the Card;
- for the quality of goods and services acquired using the Card;
-for limits and restrictions set by a third party that may affect the Cardholder's interests.

8. Loss of the Card.

Should the Card be lost or stolen or should the Card become unusable for any other reason, as well as should PIN-Code come to any third person's knowledge, or in the event of unauthorized use of the Card by third persons, the Cardholder shall promptly notify the Company. Should it be impossible to notify the Company at once, the nearest office of Visa International or the Bank where such Card is serviced, should be notified.
After a lapse of 2 (two) hours from receipt of verbal statement of loss (theft) of the Card or any unauthorized use of the Card by third persons (hereinafter referred to as the "Statement") by the Company, the Cardholder shall be released from liability for any transactions performed using the Card, except for the cases provided for by the Agreement with the Cardholder.
The Cardholder undertakes to furnish the Company, if necessary, with all information required for investigation of the circumstances of loss of the Card.
Information on all lost and stolen Cards shall be entered in the STOP-List. Should any Card that has been reported to be lost or stolen, be found, the Cardholder shall immediately notify the Company thereof. The Company shall issue a new Card upon written application of the Cardholder.

9. Term of validity of the Card.

Term of validity of the Card is indicated on the face of the Card. Payment Card shall be valid up to the last day of the year and month indicated thereon (inclusive). The Cardholder shall be responsible for destruction of all Cards of the Card Account in question after expiration of such Cards, and in case of Invalidation of the Cards - for return of such Cards to the Company.
The Cardholder shall not have the right to use an Invalid, counterfeit, forged Card.

10. Identification of the Cardholder.

The identification of the Cardholder is making during verbal remote application to Call Center by using the Password-word mentioned on application. Verbal statements of the Cardholder during using the services of the Call Center are equal to the written statements and used to be a reason for paying fee (if there are some fees) according for Tariffs. The Cardholder has the whole responsibility for the possible losses coming as a result of proclaiming the Password-word to other person. The Cardholder may use limited number of services of Call Center by the moment of changing the password-word. The limit of services is settled independently by Company according as giving the necessary personal information to Call Center to identify the Cardholder.

11. Refund Policy.

If you are not satisfied with product, purchased directly from 3RCard.com, contact us within 30 days of your purchase date to receive a refund. Refunds, requested more than 30 days after your initial purchase date will not be issued unless the transaction was subject to a fraudulent purchase.
If customer request a refund within 14 days from the date of purchase, whole amount will be refunded without any charges and fees. Refunds, requested more than 14 days after your initial purchase date, will be charged with fees for product issuing.
Our refund policy applies only to product, purchased directly from 3RCard.com. If the card was purchased through another 3rd party or reseller, it must be returned to that 3rd party or reseller, which may in turn be subject to different return policies.
To cancel your order and request a refund, please contact us here or to our email contacts@3rcard.com with the subject 'Refund' and your Invoice number.

You can download this rules in MS Word format here: Cardholder Agreement.doc.