Cardholder Agreement

Date Last Modified: July 23, 2025 (hereinafter Effective Date).

This Cardholder Agreement (“Agreement”) outlines the terms and conditions applicable to your use of credit or debit cards (“Cards”) when making purchases through our website Skin.Club (hereinafter - the “Merchant”). By submitting your card information and completing a purchase, you (“Cardholder”) agree to be bound by this Agreement.

1. Secure Transactions

   We do not store, process, or transmit your cardholder data. All sensitive payment information is securely tokenized and stored by our authorized payment processors, which are PCI DSS, Level 1 certified. This ensures that your payment data is handled with the highest level of security.

2. Authorized Use

   By submitting a payment on our website:

   • You represent that you are the authorized user of the Card.
   • You authorize Skin.Club to charge your Card for the total purchase amount, including applicable taxes and fees.

3. Fraud Prevention

   We reserve the right to decline or cancel any transaction that appears suspicious or fraudulent, as determined at our sole discretion. Any unauthorized use of a payment method is strictly prohibited and may be reported to the appropriate authorities.

4. Billing and Charges

   • Charges will appear on your statement under the name SKIN.CLUB, SkinClub replenishment, https://skin.club (CY), etc.
   • If a billing error occurs, please contact us at help@skin.club so we may investigate.

5. Refunds and Cancellations

   Refunds are issued according to our Return Policy available at Skin.Club ToS . We reserve the right to deny a refund request if the terms of our refund policy are not met.

6. Chargebacks

   Unauthorized chargebacks are considered fraudulent. If you believe a transaction was unauthorized, please contact us immediately. We reserve the right to dispute any chargebacks we believe are filed fraudulently or in bad faith.

7. Privacy

   We are committed to protecting your personal information. For more details, refer to our Privacy Policy . Payment details are handled by our payment provider and are not stored on our systems.

8. Third-Party Payment Processor

   We value your privacy and take data protection seriously. All payment information is transmitted via Secure Socket Layer (SSL) technology and handled exclusively by our secure third-party payment processor. We do not collect or retain your cardholder data.

   Data Security Measures:

   • We implement appropriate administrative, technical, and physical safeguards to protect your information during transmission.
   • Our website uses TLS/SSL encryption to ensure secure communication.
   • We only use validated, secure payment gateways that are certified PCI DSS compliant.

9. Limitation of Liability

   To the fullest extent permitted by law, Skin. Club is not liable for any damages resulting from unauthorized use of your Card. Our liability is limited to the amount of the transaction processed through our website.

10. Changes to This Agreement

    We reserve the right to update this Agreement at any time. Any changes will be posted on this page with an updated “Effective Date.” Your continued use of our services after such changes constitutes acceptance.

11. Contact Information

    For any questions regarding this Agreement or your transaction, please do not hesitate to contact us via help@skin.club or through support chat available on the website via your account.