Smart Direction Online Services

Terms & Conditions
   Payments and Registration
Payment must be received within 28 days of registration for the service, otherwise the service will be discontinued.

No refunds of the license fees are payable if the bank wishes to discontinue the service.

A registered bank can make as many queries during the registration period as they wish, as long as each query does not exceed sixty minutes research and answering time. All standard sixty minute queries will be answered within two working days. Due to the potential complexity of some questions being asked if a standard query is delayed, for what ever reason, the sender will be contacted within the two working day period, informed of progress to date and provided with an estimated completion date. If any query received exceeds sixty minutes in duration the sender will be contacted and a solution agreed. Longer non standard queries will be answered within an individually agreed timescale. The service is available to all registered banks and the staff of that bank only. All queries will only be accepted from a recognised bank email address which is using the correct password. All emails will be sent from the SD-OS.com website. If any question requires card scheme input or opinion, SD-OS will give their opinion on the query and if further validation is required the appropriate card scheme contact will be provided. All approved registrations will be processed within one working day.

SD-OS.COM services are provided on an annual subscription basis per bank of $10,000 USD. Please Note: VAT will be charged at 17.5% if invoicing within the UK. Banks within the EU are obliged to pay local taxes under the reversed charge provision. There are no additional tax charges to countries outside the EU.

Liability
SD-OS will endeavor to provide the best and most up to date information and advice available.

All technical answers will be based on EMV, association or market specific specifications which are in the public domain. All business answers are based on expert opinion and are provided on this basis only. No liability is accepted for the use of this information and advice now or in the future.

General
As this is a Global service were working days are quoted this is based on normal European working days e.g.: Monday to Friday.

Definitions
Sender: Approved originator of the email queries.

Responder: Expert responding to the query from SD-OS. Card Scheme: Visa, MasterCard, Amex or any other International or National card payment organization. License Fee: Annual payment for the service. Additional Service Fees: Negotiable fees for services over and above the standard licensed service, agreed on a case by case basis.