Payment Terms

When you make payments to Swiss DNA Bank, you agree to these Payment Terms:

1. Making Purchases
   • When you confirm a transaction on Swiss DNA Bank, you agree to be bound by and pay for that transaction.
   • Pay attention to the details of the transaction, because your total price may include taxes, fees, and shipping costs, which you are responsible for paying.
   • Don't commit to a transaction unless you are ready to pay, because all sales are final.
   • You may be presented with additional terms related to a specific purchase before you confirm the transaction (such as shipping terms for tangible goods). Those additional terms will also govern that transaction.
2. Payment Sources We want to make payments convenient, so we allow you to make payments using a number of different payment sources, like credit cards and debit cards.
   • When you provide a payment source to us, you confirm that you are permitted to use that payment source. You also authorize us to collect and store it, along with other related transaction information.
   • When you make a payment, you authorize us (and our designated payment processor) to charge the full amount to the payment source you designate for the transaction.
   • If you pay by credit or debit card we may obtain a pre-approval from the issuer of the card for an amount up to the amount of the purchase. We will bill your card at the time of purchase or shortly thereafter. If you cancel a transaction before completion, that pre-approval may result in your funds not otherwise being immediately available.
   • If you pay by debit card and your payment results in an overdraft or other fee from your bank, you alone are responsible for that fee.
3. Actions We May Take As part of our effort to keep Swiss DNA Bank safe, we may take certain actions to reduce liability for users and us.
   • We may make any inquiries that we consider necessary, either directly or through third parties, concerning your identity and creditworthiness.
   • We may cancel any transaction if we believe the transaction violates these Payments Terms or the Statement of Rights and Responsibilities, or we believe doing so may prevent financial loss.
   • We may place a delay on a payment for a period of time, limit payment sources for a transaction, limit your ability to make a payment or deactivate your account if we believe doing so may prevent financial loss.
   • We may contact your payment source issuer, law enforcement, or impacted third parties (including other users) and share details of any payments you are associated with if we believe doing so may prevent financial loss or a violation of law.
   • We may cancel any credits transferred, assigned, or sold in violation of these Payments Terms or the Statement of Rights and Responsibilities.
4. Disputes and Reversals
   • If you believe that an unauthorized or otherwise problematic transaction has taken place under your account, you agree to notify us immediately, so that we may take action to prevent financial loss. To the fullest extent permitted by law, you waive all claims against us related to payments unless you submit the claim to us within 30 days after the charge.
   • You are responsible for and agree to reimburse us for all reversals, charge-backs, claims, fees, fines, penalties and other liability incurred by us (including costs and related expenses) that were caused by or arising out of payments that you authorized or accepted.
   • Your only remedy for a technical failure or interruption of service is to request that your transaction be completed at a later time.
5. Notices and Amendments to These Payments Terms
   • We may provide notices to you by posting them on our website, or by sending them to an email address or street address that you previously provided to us. Website and email notices shall be considered received by you within 24 hours of the time posted or sent; notices by mail shall be considered received within three business days of the time sent.
   • Except as otherwise stated, you must send notices to us relating to payments and these Payment Terms by postal mail to: Swissdnabank SA, via Rava 13, 6974 Aldesago, Switzerland.
   • The Payment Terms in place at the time you confirm a transaction will govern that transaction.
   • We may change these Payment Terms, in whole or in part, even though the changes may affect accumulated credits.
6. Other
   • All of the commitments you make in the Swiss DNA Bank Statement of Rights and Responsibilities apply to payments through Swiss DNA Bank. In the event of any conflict between these Payments Terms and the Swiss DNA Bank Terms of use, the Payments Terms shall prevail.
   • If you are under the age of 18, you may make payments only with the involvement of a parent or guardian. You should review these Payments Terms with a parent or guardian to make sure that you both understand them.
   • Some countries may restrict or prohibit your ability to make payments through Swiss DNA Bank. Nothing in these Payments Terms should be read to override or circumvent any such foreign laws.
7. Refunds Swiss DNA Bank services are not refundable. When ordering our services we manufacture and provide you a personal one time password secure access card and a personal DNA collection kit  both encoded with your name and your account details. We also initiate a forever investment engine to preserve your data perpetually and invest part of your subscription fee  to provide for all future storage fees . For these reasons we cannot provide a refund on our services. We strongly advise you to read and understand the unique nature of our services, clearly illustrated in our web site, before purchasing them.
8. Warranty
   • Our one-time password secure access card has a one year warranty policy and 3 years or 15,000 OTP expected life. After the one year warranty period we will not provide you with a replacement new secure access card free of charge,in case the card will no longer work, you will need to purchase a new secure access card on our on-line store. To receive a new access card under warranty conditions you will need to send your non functioning card to : Swissdnabank SA, via Rava 13, 6974 Aldesago, Lugano Switzerland within one year from the purchase date of the card.
   • Our one year secure access card warranty will not be valid in case your card will present damage caused by the user. The card contains a battery and live electronics and must be properly cared for like any other electronic device.
   • Water damage specifically voids the warranty.
   • Each card is strictly personal and carries embedded information about its authorized user.
9. Delivery time and cost We might change at any time the price of our products, time of delivery, handling and shipping cost. You will be able to view these updated information on our on-line store.
10. Taxes and duties Certain nations may require additional taxation and customs duties when receiving the product. These fees are not included in the product price and will be covered by the user.
11. Applicable Law: The laws of the Canton Ticino, Switzerland shall govern these Payment terms.