OTP.COM PURCHASE POLICY

Last Update: August 11, 2026

This Purchase Policy is a binding policy between you, the person or legal entity purchasing, topping up, accessing or using the Services (“Customer”, “User”, “you” or “your”), and Verifykit Yazılım A.Ş., located at Maslak Mah. Büyükdere Cad. Uso Center Plaza No:245 / 27 Sarıyer / İstanbul, Türkiye (“Otp.com”, “Company”, “we”, “us” or “our”).

PLEASE READ THIS POLICY CAREFULLY. BY CREATING AN ACCOUNT, TOPPING UP WALLET CREDITS, ACCEPTING AN ORDER FORM, USING ANY PAID SERVICE, OR CLICKING “AGREE”, “ACCEPT”, “CONTINUE” OR A SIMILAR BUTTON, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO THIS POLICY.

This Policy applies to all purchases, Credit Balance top-ups, prepaid credits, pay-as-you-go usage, Order Forms, usage charges, refunds, chargebacks, taxes, invoices and payment related matters relating to the Otp.com business to business verification platform. It forms an integral part of the Terms of Service.

The Services are intended for business use only. If you purchase or use the Services on behalf of an entity, you represent that you have authority to bind that entity and that the purchase is made in the course of business and not as a consumer.

  1. Defined Terms and Interpretation

    1. Capitalized terms used in this Policy have the meanings set out in this Policy, the Terms of Service or the applicable Order Form. References to “including” mean “including without limitation”.

    2. “Chargeable Event” means a billable event for which fees may be deducted from the Credit Balance or otherwise charged, including a Successful Submit, Provider acceptance, message submission, email acceptance, WhatsApp template submission, voice OTP attempt, verification request, lookup, validation event or other billable event specified in the Platform, Order Form, pricing page or Terms of Service. Retries may also constitute independent Chargeable Events; please take note of this.

    3. “Merchant of Record” means Zotlo (Z3P LLP) or any other duly appointed reseller, merchant of record, payment intermediary, payment processor, payment service provider, billing partner, collection agent or technical payment integrator engaged to process payments, issue invoices or administer purchases for the Services.

    4. “Provider” means any third-party carrier, network operator, messaging provider, WhatsApp or other OTT channel provider, email service provider, voice OTP provider, cloud infrastructure provider, routing provider, mobile identity provider, number intelligence provider, fraud-prevention provider, payment partner or other third party involved in the Services.

    5. “Successful Submit” means successful acceptance of a request, message, verification event, template, email, voice OTP, SMS, WhatsApp message, lookup or other instruction by Otp.com, a Provider, channel, route, email infrastructure, messaging platform, operator or other technical system for processing, regardless of whether the End User ultimately receives, opens, reads, acts on, enters or completes the OTP or verification event.

    6. “Credit Balance” means the prepaid, non-monetary credit balance visible or recorded in your Otp.com account that may be used solely to purchase or consume eligible Services. The Credit Balance has no cash value and cannot be redeemed for cash, transferred or exchanged, except where required by Applicable Law or expressly agreed by Otp.com in writing.

  2. Scope and Sales Channels

    1. Purchases may be made directly through the Otp.com Platform, through an online checkout, through an Order Form, by invoice, through a Merchant of Record, by manual payment method approved by Otp.com or through any other purchasing flow we make available from time to time. Regardless of the channel through which it is initiated or finalized, Purchase is primarily subject to the terms of this Policy, in addition to the special conditions introduced for the specific channel.

    2. Different terms may apply depending on country, currency, channel, sales flow, Merchant of Record, tax treatment, customer tier, payment method, account status, use case, Provider requirements or Order Form. If an Order Form sets out commercial terms, the Order Form applies only to those commercial terms and does not override this Policy or the Terms of Service unless it expressly states that it does so and is signed by Otp.com.

    3. Otp.com may require account verification, business verification, use-case review, sanctions screening, KYC/KYB documentation, sender registration, template approval, traffic forecast or other compliance review before accepting a purchase, releasing credits, enabling routes or permitting partial or complete use of any Service. Partial or full access to, or use of, the Service shall not be deemed as discharging these obligations in their entirety, nor as precluding the request for additional information or documentation.

  3. Purchase Structure

    1. Otp.com may make available one or more commercial models, including prepaid Credit Balance, pay-as-you-go usage, committed spend, Order Forms, trial credits, promotional credits, usage packages, minimum monthly commitments, post-paid invoicing where expressly approved or other models displayed in the Platform or agreed in writing.

    2. Unless otherwise agreed in a signed Order Form, the Services operate on a prepaid Credit Balance basis. You must maintain a sufficient Credit Balance before using chargeable Services. Otp.com may reject, suspend, queue, throttle or stop processing any request if your Credit Balance is insufficient, payment has failed, payment risk is detected, or your account is suspended.

    3. The Credit Balance may be used only for eligible Services in the account to which it is credited. The Credit Balance is non-transferable, non-exchangeable, non-redeemable for cash and may not be sold, assigned, pledged, converted or used outside the Platform, except where required by mandatory law or expressly agreed by Otp.com in writing.

    4. Unless a specific validity period is displayed at purchase, stated in an Order Form, applied to promotional or trial credits, or required by applicable law, standard purchased Credit Balance does not automatically expire. Otp.com may introduce expiry, dormancy, inactivity, minimum balance or similar rules for future top-ups by updating this Policy or the applicable purchase terms, to the extent permitted by law.

  4. Chargeable Events and Usage Deduction

    1. Fees may be incurred upon a Chargeable Event. Depending on the channel and configuration, a Chargeable Event may occur before final End User delivery, including when a message, email, template, voice OTP attempt, lookup or verification request is successfully accepted for processing by Otp.com or a Provider.

    2. For SMS, a Chargeable Event may occur when the SMS or verification request is accepted for routing or processing by Otp.com, a Provider, carrier, aggregator or route, regardless of final handset delivery, End User action, read status or OTP completion.

    3. For WhatsApp, a Chargeable Event may occur when a template message, authentication message or other WhatsApp message is submitted, accepted or charged by the relevant WhatsApp Business Platform provider or platform rules, including where the template category, session, conversation, country or other platform-specific charging logic applies.

    4. For email, a Chargeable Event may occur when an email is accepted by Otp.com or the email service provider for processing, even if the email later bounces, is suppressed, is filtered, is delayed, is blocked by the recipient domain, lands in spam or is not opened by the recipient.

    5. For voice OTP, a Chargeable Event may occur when a call attempt, verification attempt or voice OTP instruction is submitted, accepted, initiated or processed by Otp.com or a Provider, regardless of whether the End User answers, completes or enters the OTP.

    6. For silent verification, mobile identity, number intelligence or lookup services where separately enabled, a Chargeable Event may occur when the request is accepted, submitted, queried, matched, returned or otherwise processed by Otp.com or the relevant Provider, even if the result is negative, unavailable, inconclusive, delayed or not accepted by Customer’s system.

    7. Otp.com’s and its Providers’ logs, transaction records, timestamps, delivery reports, acceptance records, routing records, billing records, webhook records and other technical records constitute prima facie evidence of Chargeable Events, supply, usage and amounts payable, except in the case of manifest error.

  5. Pricing, Taxes and Price Changes

    1. Prices may vary by country, destination, channel, Provider, route, operator, sender, template type, message type, volume, account tier, tax treatment, currency, traffic quality, use case, regulatory charge, Provider surcharge or other commercial or technical factor.

    2. Otp.com may change prices, destination rates, Provider surcharges, channel fees, tax treatment, minimum charges, rounding rules, chargeable-event definitions, routing logic, credit packages, discounts, committed-spend requirements and commercial terms at any time, prospectively, unless a signed Order Form expressly provides otherwise.

    3. Provider costs, carrier fees, WhatsApp or other platform fees, email provider costs, regulatory fees, taxes, exchange-rate movements and route availability may change without notice. Otp.com may pass through or reflect such changes in pricing, Credit Balance deductions, surcharges or route availability.

    4. You are responsible for reviewing the latest applicable pricing before sending traffic or purchasing credits. Continued use after a price change constitutes acceptance of the updated pricing to the extent permitted by law.

    5. Unless expressly stated otherwise, prices are exclusive of taxes, duties, levies, withholdings, telecom charges, regulatory charges and similar amounts. You are responsible for all such amounts, excluding taxes based on Otp.com’s net income.

  6. Payment Processing and Merchant of Record

    1. Payments may be processed and billed by Otp.com directly or by a Merchant of Record, including Zotlo (Z3P LLP) or by another duly appointed payment, reseller, billing or collection partner. Your checkout page, invoice, receipt, order confirmation or payment statement may identify the applicable Merchant of Record or payment processor.

    2. Where a Merchant of Record is used, that Merchant of Record may act as reseller, seller of record, payment collector, tax administrator or refund administrator for the transaction. The underlying Services remain provided, operated or fulfilled by Otp.com to the extent described in the Terms of Service and applicable purchase flow.

    3. By completing a purchase, you authorise Otp.com, the Merchant of Record and their payment processors to charge your selected payment method for all applicable fees, taxes, surcharges, renewals where applicable, chargebacks, reversals, retrieval fees, currency conversion amounts and other amounts payable under this Policy or the Terms of Service.

    4. Otp.com does not intentionally store full payment card numbers or CVV codes. Payment credentials are processed by payment processors, payment service providers, Merchant of Record partners or other authorised payment intermediaries.

  7. Supply, Provisioning and Start of Performance

    1. A purchase, Credit Balance top-up, credit package, Order Form, trial, promotional entitlement or Service component is deemed supplied, provisioned, activated or made available when Otp.com, the Merchant of Record, payment processor, Provider or applicable technical system completes the step necessary to make it available to your account, API, dashboard or integration.

    2. The Credit Balance is deemed supplied once credited to your account. A verification request is deemed supplied once accepted for processing. A route, sender, template, domain, account tier or channel is deemed supplied once enabled, approved, provisioned or made available, whether or not you subsequently use it successfully.

    3. You acknowledge that digital services are supplied electronically and may be made available immediately after purchase, top-up, Order Form acceptance, account enablement or Provider activation. To the fullest extent permitted by law, you request and consent to immediate performance once you complete the purchase flow or begin using the Services.

  8. Trials, Promotional Credits and Enterprise Orders

    1. Otp.com may provide free trials, test credits, sandbox usage, promotional credits or goodwill credits at its sole discretion. Such credits may be limited by time, amount, channel, destination, account, route, use case or other conditions and may be revoked, reduced or expired at any time unless expressly agreed otherwise in writing.

    2. Trial, promotional, goodwill or bonus credits have no cash value, are not refundable, are not transferable, do not create any entitlement to continued service and may be excluded from service-level, support, refund, credit or compensation calculations.

    3. Enterprise Order Forms may include committed spend, minimum fees, invoicing cycles, payment terms, discounts, credit packages or custom commercial terms. Unless expressly stated in the signed Order Form, committed spend, minimum fees, set-up fees, compliance review fees, integration fees and professional service fees are non-cancellable and non-refundable.

  9. Insufficient Balance, Non-Payment and Chargebacks

    1. If your Credit Balance is insufficient, Otp.com may reject, stop, queue, throttle, suspend, partially process or fail to process Verification Requests or other Services. Otp.com is not responsible for failed authentication, account recovery, registration, login, payment, onboarding or other Customer Application flows caused by insufficient Credit Balance or non-payment.

    2. If any amount is overdue, disputed, charged back, reversed, declined, subject to retrieval request, suspected as fraudulent, subject to payment risk or not settled, Otp.com and/or the Merchant of Record may suspend or terminate the account, Credit Balance, API keys, routes, senders, templates, traffic or Services without liability.

    3. You must contact Otp.com or the applicable Merchant of Record before initiating a chargeback or payment dispute. Improper or unsupported chargebacks may result in suspension, termination, recovery of fees, deduction from the Credit Balance, loss of promotional credits, collection action and reimbursement of payment processor, card network, legal or administrative costs.

  10. Refunds and Cancellations

    1. Except where required by mandatory law or expressly agreed by Otp.com in writing, purchases are final once supplied, provisioned, activated, credited, submitted, accepted, consumed or otherwise made available.

    2. If you purchase a Credit Balance top-up and do not use any portion of that specific top-up, you may request a refund of the unused top-up amount within a reasonable period, subject to verification, fraud review, payment settlement, taxes, transaction fees, payment processor fees, Merchant of Record fees, chargeback risk, currency conversion, administrative deductions and any contractual or mandatory legal requirements.

    3. If any part of a Credit Balance top-up, credit package, Order Form amount, trial conversion, promotional package or paid entitlement has been used, consumed, submitted, charged, routed, accepted, provisioned or applied to any Chargeable Event, the purchase is not refundable except where mandatory law requires otherwise or Otp.com expressly agrees in writing.

    4. No refund is owed for Successful Submits, Provider-accepted requests, routed traffic, delivered traffic, failed delivery, filtered traffic, blocked traffic, delayed traffic, bounced email, uncompleted OTPs, unsupported destinations, Provider unavailability, End User non-action, Customer misconfiguration, insufficient consent, compliance holds, suspicious traffic, abuse controls, sanctions screening, suspension or termination for breach.

    5. Refund requests must be submitted through the channel that processed the original transaction. If a transaction was processed by a Merchant of Record, refund eligibility, workflow, timing and method may be administered by that Merchant of Record, subject to this Policy and the terms presented at checkout.

    6. Approved refunds will be processed to the original payment method where technically and legally possible. Refund timing depends on payment processors, banks, card networks, Merchant of Record workflows, fraud review, tax adjustments and compliance checks.

  11. Provider Unavailability, Route Changes and Compliance Holds

    1. The Services depend on Providers, carriers, network operators, WhatsApp and other messaging platforms, email service providers, voice OTP providers, cloud infrastructure, payment processors and other third parties. Such parties may change pricing, restrict traffic, block senders, reject templates, suspend routes, alter rules, impose registration requirements, throttle traffic, delay delivery or discontinue services at any time.

    2. Otp.com may suspend, re-route, block, throttle, change price, require registration, require compliance evidence, disable channels, reject templates, restrict destinations or discontinue affected Services where necessary or appropriate due to Provider action, Provider rules, regulatory requirements, commercial changes, security concerns, traffic quality, abuse risk or technical limitations.

    3. Provider unavailability, route closure, country closure, platform restriction, template rejection, sender blocking, carrier filtering, email suppression, WhatsApp rule changes, cost increases or similar events do not create a refund, credit, replacement, damages or compensation right except where Otp.com expressly grants a discretionary credit or mandatory law requires otherwise.

  12. Fraud, Abuse, Sanctions and Risk Controls

    1. Otp.com and/or the Merchant of Record may reject, hold, suspend, reverse or cancel any purchase, top-up, account, route, sender, template, API key, Credit Balance, refund or transaction if fraud, abuse, sanctions risk, unusual activity, payment risk, identity risk, Provider risk, traffic-quality issue, cyber risks or legal risk is detected or reasonably suspected.

    2. Otp.com may withhold the Credit Balance, refunds, payments or account access to offset unpaid amounts, Provider penalties, chargeback costs, fraud losses, regulatory fines, sanctions exposure, investigation costs, legal costs, abuse-related damages or other amounts owed by you to Otp.com, to the extent permitted by law.

    3. No refund, credit or reimbursement will be issued for suspensions, holds, deductions or terminations arising from prohibited use, suspicious traffic, unlawful traffic, SMS pumping, artificial traffic, OTP abuse, spam, phishing, smishing, spoofing, sanctions risk, Provider complaints, end-user complaints, law enforcement and other competent authorities’ requests, policy violations or breach of the Terms of Service.

  13. Invoices, Records and Disputes

    1. Invoices, receipts, order confirmations or payment records may be issued by Otp.com, the Merchant of Record or another authorised payment intermediary. Billing descriptors may refer to Otp.com, Verifykit, Zotlo, Z3P LLP or another applicable billing partner.

    2. You must review invoices, Credit Balance deductions, usage records and payment records promptly. Billing disputes must be submitted in writing within seven (7) days after the relevant invoice, deduction or record is made available. Amounts not disputed within that period will be deemed accepted, except in the case of manifest error or mandatory law.

    3. Otp.com’s and its Providers’ records are authoritative for usage, submission, acceptance, routing, delivery reports, Credit Balance deductions and Chargeable Events, except in the case of manifest error. Customer-side logs alone do not override Otp.com or Provider records.

  14. Taxes

    1. You are responsible for all taxes, VAT, GST, sales tax, use tax, withholding tax, digital services tax, telecom charges, regulatory charges, duties, levies and similar assessments arising from your purchase or use of the Services, except taxes based on Otp.com’s net income.

    2. Where required, Otp.com or the Merchant of Record may calculate, collect and remit applicable taxes. If you are required to withhold any amount, you must gross up the payment so that Otp.com receives the full amount invoiced, unless prohibited by law.

    3. You must provide accurate billing, tax, exemption, VAT, company and location information. Otp.com may suspend account access, delay invoicing, reject purchases, correct invoices or request additional documentation if tax or billing information is inaccurate, incomplete or suspicious.

  15. Changes to this Policy

    1. Otp.com may update this Policy from time to time by publishing an updated version on the Platform or notifying you by email, dashboard notice, account notice, Order Form update or other reasonable method.

    2. Changes apply prospectively unless required by law, Provider rules, payment rules, tax rules or regulatory instruction. Continued use of the Services after the updated Policy becomes effective constitutes acceptance of the updated Policy to the extent permitted by law.

  16. Governing Terms and Precedence

    1. This Policy forms part of and is incorporated into the Terms of Service. Capitalized terms not defined in this Policy have the meanings given in the Terms of Service.

    2. If this Policy conflicts with the Terms of Service regarding purchase mechanics, the Credit Balance, refunds, taxes, chargebacks or payment administration, this Policy will prevail for that limited subject matter. The Terms of Service prevail for all other matters.

    3. If an Order Form conflicts with this Policy, the Order Form prevails only to the extent it expressly identifies the conflicting clause and is signed by an authorised representative of Otp.com. Standard customer purchase terms, procurement terms or portal terms do not apply unless expressly accepted by Otp.com in writing.

  17. Applicable Law and Jurisdiction

    1. This Policy and any non-contractual obligations arising out of or in connection with it are governed by the laws of England and Wales, without regard to conflict of laws principles.

    2. Any dispute or claim arising out of or in connection with this Policy, any Order Form, any Policy, or any non-contractual obligation relating to them, including any question regarding its existence, validity or termination, shall be finally settled by arbitration under the Rules of Arbitration of the International Chamber of Commerce (“ICC”) by one or more arbitrators appointed in accordance with the said Rules, which are deemed to be incorporated by reference into this clause.

    3. The number of arbitrators shall be three (3). The seat of arbitration shall be London, England. The language of the arbitration shall be English. The substance of the dispute shall be governed by the laws of England and Wales.

    4. This clause does not limit Otp.com’s right to seek injunctive, equitable, interim, protective, debt recovery or enforcement relief from the courts of any jurisdiction where you, your assets, your Users, your Customer Applications or your traffic are located; Otp.com may bring such claims before the competent courts.

  18. Contact

    1. Questions regarding purchases, the Credit Balance, invoices, refunds or this Policy may be sent to info@otp.com.