Common use of ERRORS AND UNAUTHORISED TRANSACTIONS Clause in Contracts

ERRORS AND UNAUTHORISED TRANSACTIONS. 16.1. Oro Pay recognizes that unauthorized or erroneous transactions may occur and stresses the importance of monitoring your account on a regular basis by accessing the transaction history segment and reviewing the transactions listed. Should you suspect or believe that there was unauthorized activity in your account and that potentially one of the below instances occurred, immediately inform Oro Pay to take all necessary remedial actions. The list may not be exhaustive. 16.1.1. Your account has been accessed by another person with no authorization for such access; 16.1.2. Your account was used for a transaction you did not authorize; 16.1.3. Your password has been compromised; 16.2. You are also expected to immediately inform Oro Pay of any erroneous transaction that may have taken place relating to your account, in order for Oro Pay to investigate the cause of the error and take remedial action as necessary. For as long as Oro Pay is content with the justifications provided in relation to the unauthorized use, Oro Pay will not hold you liable for the unauthorized transaction. It will however, exercise its legal rights and hold you fully liable when the Company deems that you tried to defraud by acting in deliberate fashion in granting access to a third person by willingly providing or “unintentionally” exposing your login information to that person. Oro Pay will also hold you responsible and liable when it evidently realizes that either with gross negligence, or intent, you fail to comply with the obligations stemming out of this Agreement and its terms and conditions. 16.3. The most immediate way to contact Oro Pay is by reaching the Oro Pay Client Service representatives at the telephone number shown on the Oro Pay website(s), by completing and submitting the online form found on the Oro Pay website, or alternatively contacting one of its members by sending an email to xxxxxxx@XxxXxx.xxx with the subject heading “Erroneous transaction” or “Unauthorized Transaction”. Although all telephone incidents are recorded, Oro Pay requires you to also submit a written record of the incident providing Oro Pay with any information you may have in your possession and that would make the investigation process faster and the remedial action quicker. Written records can be in the form of an email addressed to the same address referenced in this section and with the same subject heading options. You are expected to reasonably assist Oro Pay and you agree that certain information you provide may be provided to a third party relevant to the case in hand always in accordance with the Oro Pay Privacy Policy. 16.4. Oro Pay will review the reports submitted and revert with the investigation results within 15 working days from the day the notice is initially provided by the Client. If the initial notification is made by telephone, the notice day will be defined as the day the written notice was submitted to Oro Pay. Depending on the complexity of the investigation, Oro Pay may take up to an additional 3 months to further investigate the report before coming to a conclusion. Oro Pay will try to remedy any error caused by its actions almost immediately to enable its Client unobstructed use of the account. 16.5. After the investigation is concluded and the results of the investigation are ready, they will be communicated to you in writing by generating a ticket in the Oro Pay system and sending it to you, and will include the result of the investigation and an explanation of the findings that led to the final result. In the event that Oro Pay provisionally treated a transaction as erroneous and credited your account with the relevant balance, and the investigation resulted in “no error”, Oro Pay will have the right to debit your account for the same amount as if the transaction was never reported as erroneous. Oro Pay Clients who reported an error can request copies of the material that was used for the investigation. 16.6. The liability of any unauthorized transactions that evidence does not suggest that there has been any fraudulent, deliberate or gross negligent action or behavior by the Client, will fall on Oro Pay. In such cases the Client will receive full reimbursement of the amount relevant to the reported unauthorized transaction(s) from the Client’s account. Clients will be entitled to such reimbursement only if they report such unauthorized transaction incidents to Oro Pay within one calendar year from the date the first unauthorized transaction incident was executed. Where the reported incident demands further investigation, Oro Pay will follow the process described in relevant section above. 16.7. Oro Pay Clients are entitled to a refund of the full amount of any authorized payment transaction whether the transaction was initiated through Oro Pay’s system, through a merchant’s website or other third party, provided that any conditions that make the Client eligible for such a refund are met. 16.8. Oro Pay will rectify all errors that may originate from its system. Errors are normally discovered during the fund reconciliation process. For instances where your account was erroneously credited with less money than you were entitled, Oro Pay will credit the difference in your account. If the opposite occurs and your account is credited with more money than it should, Oro Pay will debit your account for the difference. Oro Pay will be liable to refund any transaction that has resulted in either not being of correct amount or not being executed in time and for any losses or damages directly resulting from this failure unless: 16.8.1. You did not have sufficient funds in your account to conclude the transaction and the cause of this insufficiency was not Oro Pay; 16.8.2. You tried to execute the transactions at a time that it was known to users that the Oro Pay system was not properly functioning, either due to maintenance or unresolved technical issues; or 16.8.3. Because of circumstances beyond Oro Pay’s control (such as acts of God or other technical issues such as online connectivity) the transaction could not be properly executed despite the Company’s best endeavors to the contrary. 16.9. Notwithstanding any other term of this Agreement, Oro Pay will not be liable for any such incomplete/failed transactions unless a Client reports such incomplete/failed transaction to Oro Pay within one calendar year from the date he/she became aware of the incomplete/failed transaction and reported it to Oro Pay.

ERRORS AND UNAUTHORISED TRANSACTIONS. 16.113.1. Oro Pay The Company recognizes that unauthorized unauthorised or erroneous transactions may occur and stresses the importance of monitoring your account on a regular basis by accessing the transaction history segment and reviewing the transactions listedlisted (you undertake to immediately examine every SMS notification received from us and examine the list of transactions in the beginning of every month for the previous calendar month). Should you suspect or believe that there was unauthorized unauthorised activity in your account and that potentially one of the below instances occurred, you must immediately (but no later than 13 months after the debit date) inform Oro Pay the Company to take all necessary remedial actions. The list may not be exhaustive. 16.1.113.1.1. Your account has been accessed by another person with no authorization authorisation for such access; 16.1.213.1.2. Your account was used for a transaction you did not authorize; 16.1.313.1.3. Your password has been compromised; 16.2. ; You are also expected to immediately (but no later than 13 months after the debit date) inform Oro Pay the Company of any erroneous transaction that may have taken place relating to your account, in order for Oro Pay the Company to investigate the cause of the error and take remedial action as necessary. For as long as Oro Pay the Company is content with the justifications provided in relation to the unauthorized unauthorised use, Oro Pay the Company will not hold you liable for the unauthorized unauthorised transaction. It will however, exercise its legal rights and hold you fully liable when the Company deems that you tried to defraud by acting in deliberate fashion in granting access to a third person by willingly providing or “unintentionally” exposing your login information to that person. Oro Pay The Company will also hold you responsible and liable when it evidently realizes that either with gross negligence, or intent, you fail to comply with the obligations stemming out of this Agreement and its terms Terms and conditionsConditions. 16.313.2. The most immediate way to contact Oro Pay the Company is by reaching the Oro Pay Client Service Company’s customer Support representatives at the telephone number shown on the Oro Pay Company’s website(s), or by completing and submitting the online form found on the Oro Pay Company’s website, or alternatively contacting one of its members by sending an email to xxxxxxx@XxxXxx.xxx xxxx@xxxxxx.xxx with the subject heading “Erroneous transactionTransaction” or “Unauthorized Unauthorised Transaction”. Although all telephone incidents are recorded, Oro Pay Company requires you to also submit a written record of the incident providing Oro Pay the Company with any information you may have in your possession and that would make the investigation process faster and the remedial action quicker. Written records can be in the form of an email addressed to the same address referenced in this section and with the same subject heading options. You are expected to reasonably assist Oro Pay the Company and you agree that certain information you provide may be provided to a third party relevant to the case in hand always in accordance with the Oro Pay Privacy PolicyCompany’s Policies. 16.413.3. Oro Pay The Company will review the reports submitted and revert with the investigation results within 15 (fifteen) working days from the day the notice is initially provided by the ClientUser. If the initial notification is made by telephone, the notice day will be defined as the day the written notice was submitted to Oro Paythe Company. Depending on the complexity of the investigation, Oro Pay the Company may take up to an additional 3 (three) months to further investigate the report before coming to a conclusion. Oro Pay The Company will try to remedy any error caused by its actions almost immediately to enable its Client User unobstructed use of the account. 16.5. After the investigation is concluded and the results of the investigation are ready, they will be communicated to you in writing by generating a ticket in the Oro Pay Company’s system and sending it to you, you and will include the result of the investigation and an explanation of the findings that led to the final result. In the event that Oro Pay the Company provisionally treated a transaction as erroneous and credited your account with the relevant balance, and the investigation resulted in “no error”, Oro Pay the Company will have the right to debit your account for the same amount as if the transaction was never reported as erroneous. Oro Pay Clients Those Users who reported an error can request copies of the material that was used for the investigation. 16.613.4. The liability of any unauthorized unauthorised transactions that evidence does not suggest that there has been any fraudulent, deliberate or gross negligent action or behavior by the ClientUser, will fall on Oro Paythe Company. In such cases the Client User will receive full reimbursement of the amount relevant to the reported unauthorized unauthorised transaction(s) from the ClientUser’s account. Clients Users will be entitled to such reimbursement only if they report such unauthorized unauthorised transaction incidents to Oro Pay the Company within one calendar year from the date the first unauthorized unauthorised transaction incident was executed. Where the reported incident demands further investigation, Oro Pay the Company will follow the process described in relevant section 13.3 above. 16.713.5. Oro Pay Clients The Company’s Users are entitled to a refund of the full amount of any authorized authorised payment transaction whether the transaction was initiated through Oro Paythe Company’s system, through a merchant’s website or other third party, provided that any conditions that make the Client User eligible for such a refund are met. 16.813.6. Oro Pay The Company will rectify all errors that may originate from its system. Errors are normally discovered during the fund reconciliation process. For instances where your account was erroneously credited with less money than you were entitled, Oro Pay the Company will credit the difference in your account. If the opposite occurs and your account is credited with more money than it should, Oro Pay the Company will debit your account for the difference. Oro Pay The Company will be liable to refund any transaction that has resulted in either not being of correct amount or not being executed in time and for any losses or damages directly resulting from this failure unless: 16.8.113.6.1. You did not have sufficient funds in your account to conclude the transaction and the cause of this insufficiency was not Oro Paythe Company; 16.8.213.6.2. You tried to execute the transactions at a time that it was known to users that the Oro Pay Company’s system was not properly functioning, either due to maintenance or unresolved technical issues; or 16.8.313.6.3. Because of circumstances beyond Oro Paythe Company’s control (such as acts of God or other any technical issues such as online connectivity) the transaction could not be properly executed despite the Company’s best endeavors to the contrary. 16.9. Notwithstanding any other term of this Agreement, Oro Pay The Company will not be liable for any such incomplete/failed transactions unless a Client User reports such incomplete/failed transaction to Oro Pay the Company within one calendar year from the date he/she became aware of the incomplete/failed transaction and reported it to Oro Paythe Company.

ERRORS AND UNAUTHORISED TRANSACTIONS. 16.1. Oro Pay recognizes that unauthorized or erroneous transactions may occur and stresses the importance of monitoring your account on a regular basis by accessing the transaction history segment and reviewing the transactions listed. Should you suspect or believe that there was unauthorized activity in your account and that potentially one of the below instances occurred, immediately inform Oro Pay to take all necessary remedial actions. The list may not be exhaustive. 16.1.1. Your account has been accessed by another person with no authorization for such access; 16.1.2. Your account was used for a transaction you did not authorize; 16.1.3. Your password has been compromised; 16.2. You are also expected to immediately inform Oro Pay of any erroneous transaction that may have taken place relating to your account, in order for Oro Pay to investigate the cause of the error and take remedial action as necessary. For as long as Oro Pay is content with the justifications provided in relation to the unauthorized use, Oro Pay will not hold you liable for the unauthorized transaction. It will however, exercise its legal rights and hold you fully liable when the Company deems that you tried to defraud by acting in deliberate fashion in granting access to a third person by willingly providing or “unintentionally” exposing your login information to that person. Oro Pay will also hold you responsible and liable when it evidently realizes that either with gross negligence, or intent, you fail to comply with the obligations stemming out of this Agreement and its terms and conditions. 16.3. The most immediate way to contact Oro Pay is by reaching the Oro Pay Client Service representatives at the telephone number shown on the Oro Pay website(s), by completing and submitting the online form found on the Oro Pay website, or alternatively contacting one of its members by sending an email to xxxxxxx@XxxXxx.xxx support@Oro Xxx.xxx with the subject heading “Erroneous transaction” or “Unauthorized Transaction”. Although all telephone incidents are recorded, Oro Pay requires you to also submit a written record of the incident providing Oro Pay with any information you may have in your possession and that would make the investigation process faster and the remedial action quicker. Written records can be in the form of an email addressed to the same address referenced in this section and with the same subject heading options. You are expected to reasonably assist Oro Pay and you agree that certain information you provide may be provided to a third party relevant to the case in hand always in accordance with the Oro Pay Privacy Policy. 16.4. Oro Pay will review the reports submitted and revert with the investigation results within 15 working days from the day the notice is initially provided by the Client. If the initial notification is made by telephone, the notice day will be defined as the day the written notice was submitted to Oro Pay. Depending on the complexity of the investigation, Oro Pay may take up to an additional 3 months to further investigate the report before coming to a conclusion. Oro Pay will try to remedy any error caused by its actions almost immediately to enable its Client unobstructed use of the account. 16.5. After the investigation is concluded and the results of the investigation are ready, they will be communicated to you in writing by generating a ticket in the Oro Pay system and sending it to you, and will include the result of the investigation and an explanation of the findings that led to the final result. In the event that Oro Pay provisionally treated a transaction as erroneous and credited your account with the relevant balance, and the investigation resulted in “no error”, Oro Pay will have the right to debit your account for the same amount as if the transaction was never reported as erroneous. Oro Pay Clients who reported an error can request copies of the material that was used for the investigation. 16.6. The liability of any unauthorized transactions that evidence does not suggest that there has been any fraudulent, deliberate or gross negligent action or behavior by the Client, will fall on Oro Pay. In such cases the Client will receive full reimbursement of the amount relevant to the reported unauthorized transaction(s) from the Client’s account. Clients will be entitled to such reimbursement only if they report such unauthorized transaction incidents to Oro Pay within one calendar year from the date the first unauthorized transaction incident was executed. Where the reported incident demands further investigation, Oro Pay will follow the process described in relevant section above. 16.7. Oro Pay Clients are entitled to a refund of the full amount of any authorized payment transaction whether the transaction was initiated through Oro Pay’s system, through a merchant’s website or other third party, provided that any conditions that make the Client eligible for such a refund are met. 16.8. Oro Pay will rectify all errors that may originate from its system. Errors are normally discovered during the fund reconciliation process. For instances where your account was erroneously credited with less money than you were entitled, Oro Pay will credit the difference in your account. If the opposite occurs and your account is credited with more money than it should, Oro Pay will debit your account for the difference. Oro Pay will be liable to refund any transaction that has resulted in either not being of correct amount or not being executed in time and for any losses or damages directly resulting from this failure unless: 16.8.1. You did not have sufficient funds in your account to conclude the transaction and the cause of this insufficiency was not Oro Pay; 16.8.2. You tried to execute the transactions at a time that it was known to users that the Oro Pay system was not properly functioning, either due to maintenance or unresolved technical issues; or 16.8.3. Because of circumstances beyond Oro Pay’s control (such as acts of God or other technical issues such as online connectivity) the transaction could not be properly executed despite the Company’s best endeavors to the contrary. 16.9. Notwithstanding any other term of this Agreement, Oro Pay will not be liable for any such incomplete/failed transactions unless a Client reports such incomplete/failed transaction to Oro Pay within one calendar year from the date he/she became aware of the incomplete/failed transaction and reported it to Oro Pay.

ERRORS AND UNAUTHORISED TRANSACTIONS. 16.129.1. Oro Pay recognizes that unauthorized or erroneous transactions may occur and stresses the importance of monitoring You can inspect your account on a regular basis by accessing the transaction history segment at any time by logging in to your E-Wallet and reviewing viewing the transactions listedtransactions. Should It is very important that you suspect or immediately notify SendSpend if you have reason to believe that there was unauthorized activity in your account and that potentially one any of the below instances following activities have occurred, immediately inform Oro Pay to take all necessary remedial actions: 29.1.1. The list may not be exhaustive. 16.1.1. Your account there has been accessed by another person with no authorization for such accessan unauthorised transaction sent from your E-Wallet; 16.1.229.1.2. Your account was used for a transaction you did not authorizethere has been unauthorised access to your E-Wallet; 16.1.329.1.3. Your your password or PIN has been compromised; 16.229.1.4. any device you have used to access the Services has been lost, stolen or deactivated, or 29.1.5. someone has transferred or may have transferred money to or from your E-Wallet without your permission. 29.2. You are must also expected immediately notify us if you have reason to believe that any other error has occurred on your E-Wallet. 29.3. In order for you to notify SendSpend immediately inform Oro Pay of any erroneous transaction that may have taken place relating to your account, in order for Oro Pay to investigate the cause of the error and take remedial action as necessaryabove events, we strongly recommend that you monitor your E-Wallet closely on a regular basis. For as long as Oro Pay is content with the justifications provided in relation to the unauthorized use, Oro Pay We will not seek to hold you liable for any unauthorised use of your E-Wallet by any person provided that we are satisfied that you have not acted deliberately so as to enable any third person to gain access to your SendSpend ID and/or password/PIN or to your device while you are logged into the unauthorized transactionServices. 29.4. It We will however, exercise its legal rights and hold you fully liable when the Company deems for unauthorised use of your E-Wallet if we have evidence that suggests: you tried acted deliberately so as to defraud by acting in deliberate fashion in granting enable any third person to gain access to a third person by willingly providing your SendSpend ID and/or password/PIN; you acted fraudulently; or “unintentionally” exposing your login information to that person. Oro Pay will also hold you responsible and liable when it evidently realizes that either have with intent or gross negligence, or intent, you fail negligence failed to comply with your obligations to use your E-Wallet in the obligations stemming manner set out of in this Agreement and its terms and conditionsAgreement. 16.329.5. The most immediate way to contact Oro Pay is You must notify us if you believe there has been or will be an error, unauthorised transaction, misappropriated or unauthorised use of your E-Wallet, by reaching the Oro Pay Client telephoning SendSpend Customer Service representatives at the telephone number shown on the Oro Pay SendSpend website(s)) or in the SendSpend E-Wallet. If you initially provide information to us via the telephone, by completing and submitting we may require that you send your query in writing within ten Business Days after the online form found on phone contact. You must give us all the Oro Pay website, or alternatively contacting one of its members by sending an email to xxxxxxx@XxxXxx.xxx with the subject heading “Erroneous transaction” or “Unauthorized Transaction”. Although all telephone incidents are recorded, Oro Pay requires you to also submit a written record of the incident providing Oro Pay with any information you may have in your possession and that would make the investigation process faster and the remedial action quicker. Written records can be in the form of an email addressed as to the same address referenced circumstances of any errors, unauthorised transactions and/or misappropriated or unauthorised use of your E-Wallet and take all reasonable steps requested to assist SendSpend in this section and its investigation. We may provide third parties with the same subject heading options. You are expected to reasonably assist Oro Pay and you agree that certain information you provide may be provided to a third party we consider relevant to the case in hand always such circumstances in accordance with the Oro Pay our Privacy Policy. 16.429.6. Oro Pay Without prejudice to your statutory rights, we will review advise you of the reports submitted and revert with the results of our investigation results within 15 working days from the day the notice is initially provided by the Client20 Business Days after we receive your notice. If the initial notification is we have made by telephonean error, the notice day we will be defined as the day the written notice was submitted to Oro Paycorrect it promptly. Depending on the complexity of the investigationIf we need more time, Oro Pay however, we may take up to an additional 3 months 60 Days to further investigate your query. At the report before coming to a conclusion. Oro Pay end of our investigation, we will try to remedy any error caused by its actions almost immediately to enable its Client unobstructed use advise you of the account. 16.5results within three Business Days. After the investigation is concluded and the results of the investigation are ready, they will be communicated to you in writing by generating a ticket in the Oro Pay system and sending it to you, and will include the result of the investigation and an explanation of the findings If we determine that led to the final result. In the event that Oro Pay provisionally treated a transaction as erroneous and credited your account with the relevant balance, and the investigation resulted in “there was no error”, Oro Pay we will have the right to debit your account send you a written explanation. You may ask for the same amount as if the transaction was never reported as erroneous. Oro Pay Clients who reported an error can request copies of the material documents that was we used for the investigation. 16.6. The liability of any unauthorized transactions that evidence does not suggest that there has been any fraudulent, deliberate or gross negligent action or behavior by the Client, will fall on Oro Pay. In such cases the Client will receive full reimbursement of the amount relevant to the reported unauthorized transaction(s) from the Client’s account. Clients in our investigation which will be entitled sent to such reimbursement only if they report such unauthorized transaction incidents to Oro Pay within one calendar year from the date the first unauthorized transaction incident was executed. Where the reported incident demands further investigation, Oro Pay will follow the process described in relevant section aboveyou electronically. 16.7. Oro Pay Clients are entitled to a refund of the full amount of any authorized payment transaction whether the transaction was initiated through Oro Pay’s system, through a merchant’s website or other third party, provided that any conditions that make the Client eligible for such a refund are met. 16.8. Oro Pay will rectify all errors that may originate from its system. Errors are normally discovered during the fund reconciliation process. For instances where your account was erroneously credited with less money than you were entitled, Oro Pay will credit the difference in your account. If the opposite occurs and your account is credited with more money than it should, Oro Pay will debit your account for the difference. Oro Pay will be liable to refund any transaction that has resulted in either not being of correct amount or not being executed in time and for any losses or damages directly resulting from this failure unless: 16.8.1. You did not have sufficient funds in your account to conclude the transaction and the cause of this insufficiency was not Oro Pay; 16.8.2. You tried to execute the transactions at a time that it was known to users that the Oro Pay system was not properly functioning, either due to maintenance or unresolved technical issues; or 16.8.3. Because of circumstances beyond Oro Pay’s control (such as acts of God or other technical issues such as online connectivity) the transaction could not be properly executed despite the Company’s best endeavors to the contrary. 16.9. Notwithstanding any other term of this Agreement, Oro Pay will not be liable for any such incomplete/failed transactions unless a Client reports such incomplete/failed transaction to Oro Pay within one calendar year from the date he/she became aware of the incomplete/failed transaction and reported it to Oro Pay.

ERRORS AND UNAUTHORISED TRANSACTIONS. 16.114.1. Oro Pay OROPAY recognizes that unauthorized or erroneous transactions may occur and stresses the importance of monitoring your account on a regular basis by accessing the transaction history segment and reviewing the transactions listed. Should you suspect or believe that there was unauthorized activity in your account and that potentially one of the below instances occurred, immediately inform Oro Pay OROPAY to take all necessary remedial actions. The list may not be exhaustive. 16.1.114.1.1. Your account has been accessed by another person with no authorization for such access; 16.1.214.1.2. Your account was used for a transaction you did not authorize; 16.1.314.1.3. Your password has been compromised; 16.214.2. You are also expected to immediately inform Oro Pay OROPAY of any erroneous transaction that may have taken place relating to your account, in order for Oro Pay OROPAY to investigate the cause of the error and take remedial action as necessary. For as long as Oro Pay OROPAY is content with the justifications provided in relation to the unauthorized use, Oro Pay OROPAY will not hold you liable for the unauthorized transaction. It will however, exercise its legal rights and hold you fully liable when the Company deems that you tried to defraud by acting in deliberate fashion in granting access to a third person by willingly providing or “unintentionally” exposing your login information to that person. Oro Pay OROPAY will also hold you responsible and liable when it evidently realizes that either with gross negligence, or intent, you fail to comply with the obligations stemming out of this Agreement and its terms and conditions. 16.314.3. The most immediate way to contact Oro Pay OROPAY is by reaching the Oro Pay Client Service OROPAY Customer Support representatives at the telephone number shown on the Oro Pay OROPAY website(s), by completing and submitting the online form found on the Oro Pay OROPAY website, or alternatively contacting one of its members by sending an email to xxxxxxx@XxxXxx.xxx with the subject heading “Erroneous transaction” or “Unauthorized Transaction”. Although all telephone incidents are recorded, Oro Pay OROPAY requires you to also submit a written record of the incident providing Oro Pay OROPAY with any information you may have in your possession and that would make the investigation process faster and the remedial action quicker. Written records can be in the form of an email addressed to the same address referenced in this section and with the same subject heading options. You are expected to reasonably assist Oro Pay OROPAY and you agree that certain information you provide may be provided to a third party relevant to the case in hand always in accordance with the Oro Pay OROPAY Privacy Policy. 16.414.4. Oro Pay OROPAY will review the reports submitted and revert with the investigation results within 15 working days from the day the notice is initially provided by the Client. If the initial notification is made by telephone, the notice day will be defined as the day the written notice was submitted to Oro PayOROPAY. Depending on the complexity of the investigation, Oro Pay OROPAY may take up to an additional 3 months to further investigate the report before coming to a conclusion. Oro Pay OROPAY will try to remedy any error caused by its actions almost immediately to enable its Client unobstructed use of the account. 16.514.5. After the investigation is concluded and the results of the investigation are ready, they will be communicated to you in writing by generating a ticket in the Oro Pay OROPAY system and sending it to you, and will include the result of the investigation and an explanation of the findings that led to the final result. In the event that Oro Pay OROPAY provisionally treated a transaction as erroneous and credited your account with the relevant balance, and the investigation resulted in “no error”, Oro Pay OROPAY will have the right to debit your account for the same amount as if the transaction was never reported as erroneous. Oro Pay OROPAY Clients who reported an error can request copies of the material that was used for the investigation. 16.614.6. The liability of any unauthorized transactions that evidence does not suggest that there has been any fraudulent, deliberate or gross negligent action or behavior by the Client, will fall on Oro PayOROPAY. In such cases the Client will receive full reimbursement of the amount relevant to the reported unauthorized transaction(s) from the Client’s account. Clients will be entitled to such reimbursement only if they report such unauthorized transaction incidents to Oro Pay OROPAY within one calendar year from the date the first unauthorized transaction incident was executed. Where the reported incident demands further investigation, Oro Pay OROPAY will follow the process described in relevant section above. 16.714.7. Oro Pay OROPAY Clients are entitled to a refund of the full amount of any authorized payment transaction whether the transaction was initiated through Oro PayOROPAY’s system, through a merchant’s website or other third party, provided that any conditions that make the Client eligible for such a refund are met. 16.814.8. Oro Pay OROPAY will rectify all errors that may originate from its system. Errors are normally discovered during the fund reconciliation process. For instances where your account was erroneously credited with less money than you were entitled, Oro Pay OROPAY will credit the difference in your account. If the opposite occurs and your account is credited with more money than it should, Oro Pay OROPAY will debit your account for the difference. Oro Pay OROPAY will be liable to refund any transaction that has resulted in either not being of correct amount or not being executed in time and for any losses or damages directly resulting from this failure unless: 16.8.114.8.1. You did not have sufficient funds in your account to conclude the transaction and the cause of this insufficiency was not Oro PayOROPAY; 16.8.214.8.2. You tried to execute the transactions at a time that it was known to users that the Oro Pay OROPAY system was not properly functioning, either due to maintenance or unresolved technical issues; or 16.8.314.8.3. Because of circumstances beyond Oro PayOROPAY’s control (such as acts of God or other technical issues such as online connectivity) the transaction could not be properly executed despite the Company’s best endeavors to the contrary. 16.914.9. Notwithstanding any other term of this Agreement, Oro Pay OROPAY will not be liable for any such incomplete/failed transactions unless a Client reports such incomplete/failed transaction to Oro Pay OROPAY within one calendar year from the date he/she became aware of the incomplete/failed transaction and reported it to Oro PayOROPAY.