1. Agreement to Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you and Jalda Fintech AB (Org.nr. 559482-9276, "Jalda", "we", "our", or "us"). By accessing or using the Jalda payment platform and services, you agree to be bound by these Terms.
If you do not agree to these Terms, you may not access or use our services.
2. Services Description
Jalda provides a micropayment infrastructure platform that enables:
- Mobile-operator billing for digital content and services
- Transaction processing, settlement, and reconciliation
- Identity verification via CAMARA standards
- Fraud prevention and security services
- API access for content providers and developers
Jalda acts as a technical aggregation layer. The mobile operator retains the consumer billing relationship and settlement obligations.
3. Eligibility
To use Jalda services, you must:
- Be at least 18 years of age
- Have a valid mobile subscription with a participating operator
- Provide accurate and complete information
- Comply with all applicable laws and regulations
- Not be prohibited from using payment services under applicable law
4. User Accounts and Authentication
When you use Jalda services:
- Your mobile phone number serves as your primary identifier
- You authorize us to verify your phone number with your mobile operator
- You may be required to use WebAuthn/biometric authentication for higher-value transactions
- You are responsible for maintaining the security of your mobile device
- You must notify us immediately of any unauthorized transactions
5. Transactions and Payments
5.1 Authorization
By initiating a transaction, you authorize us to charge your mobile account for the transaction amount plus any applicable fees. All transactions require explicit consent.
5.2 Transaction Limits
We implement tiered transaction limits based on account age, payment history, and risk assessment. Limits may be adjusted based on fraud detection signals.
5.3 Billing
Charges appear on your mobile operator bill. Billing cycles, payment terms, and dispute resolution follow your operator's terms and conditions.
5.4 Currency
Transactions are processed in SEK or EUR. Foreign exchange rates include a buffer to account for market volatility. Final settlement currency depends on your operator and location.
6. Refunds and Disputes
Refund policies are determined by the content provider from whom you purchased. To request a refund:
- Contact the content provider directly within their stated refund window
- If the provider is unresponsive, contact Jalda support
- Refunds are processed to your operator account within 7-14 business days
- Fraudulent or abusive refund requests may result in account suspension
7. Prohibited Activities
You may not:
- Use Jalda for illegal, fraudulent, or unauthorized purposes
- Attempt to circumvent security measures or transaction limits
- Impersonate another person or use a stolen identity
- Interfere with or disrupt the operation of Jalda services
- Reverse engineer, decompile, or disassemble our software
- Use automated tools to create accounts or initiate transactions
- Share authentication credentials or facilitate unauthorized access
8. Fraud Prevention and Security
We implement multi-layered fraud prevention:
- Number verification via CAMARA standards
- SIM swap detection (7-90 day windows)
- Device fingerprinting and behavioral analytics
- WebAuthn authentication for high-value transactions
- Real-time risk scoring and circuit breakers
We may suspend or terminate accounts showing suspicious activity. You agree to cooperate with fraud investigations.
9. Content Provider Terms
If you are a content provider integrating Jalda:
- You must comply with our API documentation and integration guidelines
- You are responsible for content delivery and customer support
- You must implement HMAC-SHA256 authentication for API requests
- You agree to settlement terms (Net 30-45 days, minimum ticket, transaction fees)
- You grant us the right to withhold funds for disputed or fraudulent transactions
- You must maintain accurate transaction records for 7 years
Separate commercial agreements apply to content providers. Contact us for onboarding.
10. Intellectual Property
All content, trademarks, logos, and technology associated with Jalda services are our property or licensed to us. You may not use our intellectual property without written permission.
11. Limitation of Liability
To the maximum extent permitted by law:
- Jalda is not liable for indirect, incidental, or consequential damages
- Our liability is limited to the amount of fees paid to us in the preceding 12 months
- We are not responsible for content provider performance, delivery, or quality
- We are not liable for mobile operator billing errors or delays
- Force majeure events (network outages, regulatory changes) excuse performance
12. Indemnification
You agree to indemnify and hold harmless Jalda from claims arising from your use of services, violation of these Terms, or infringement of third-party rights.
13. Changes to Terms
We may modify these Terms at any time. Material changes will be notified via email or platform notice. Continued use after changes constitutes acceptance.
14. Termination
We may suspend or terminate your access:
- For violation of these Terms
- For fraudulent or suspicious activity
- At your request
- If required by law or regulatory authorities
Termination does not affect pending transactions or obligations.
15. Governing Law and Disputes
These Terms are governed by Swedish law. Disputes shall be resolved in the courts of Stockholm, Sweden.
EU consumers retain the right to resolve disputes in their country of residence and may use the European Commission's Online Dispute Resolution platform.