| 1. RATES: Rates are based upon the country and city you are calling. |
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| 2. TAXES & SURCHARGES: All applicable Taxes and Surcharges apply on announced amount with no exceptions. It may effect the minutes declared. |
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| 3. ANNOUNCED MINUTES: Depends on different cards announcement. see particular cards minutes declaration. |
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| 4. RATE CHANGE: Rates are subject to change without any prior notice. |
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| 5. CARD OR PIN LOSS: Shop4desi.com will not be held liable for card credits, and or credits in the event of card loss or unauthorized use. |
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| 6. QUALITY OF SERVICES: Except as otherwise provided in this agreement, shop4desi.com makes no guarantee, warranty or representation expressed or implied, regarding the condition merchantability or fitness of the information or communications services offered. |
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| 7. REFUND: Any unused portion of the pin will not be refunded. |
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| 8. CREDITS: Cards sold at shop4desi.com always tries its best to keep the high quality service standard by connecting better carrier and whole seller for its customers. But in any circumstances, no credit will be issued for any dropped, missed or incomplete connected calls through the carriers. There are some countries (say Bangladesh, India etc.) where local telephone service is not as good as USA. In this case, you may see dropped, missed or incomplete calls. |
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| 9. PAYPHONES SURCHARGES: Public payphone may incur additional charges up to 99 cents per call. Payphones includes: Public Payphones, certain phones in the hotel, Motel, Dormitory, Universities and some Community Apartment Complexes etc. |
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| 10. EXPIRATION: Depends on different cards announcement. See particular cards declaration. |
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| 11. ROUNDING:Depends on different cards announcement. See particular cards declaration. |
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