Definitions and scope
This document governs payments, deposits, wallet balances, reserved funds, refunds, withdrawals, balance transfers and other financial operations within ParokLand. It is read together with the general terms and privacy policy.
The wallet is an electronic ledger of credit and funds usable for platform services. It is not a bank account, deposit, investment instrument, money transfer network or credit institution. A balance does not earn interest or periodic returns.
Settled funds are amounts whose final receipt from the gateway, payment partner or payment authority has been confirmed and finalized in the platform. Funds awaiting settlement cannot be withdrawn or transferred before final receipt.
Non-cash credit includes purchase credit, financing, gifts, prizes, discount codes, promotional credit, service compensation and any amount granted as non-redeemable for cash.
Permitted wallet use
Wallet balances are primarily for paying for permitted platform services, games and features. The wallet must not replace a bank account, card transfer, exchange, remittance, petty cash account, collection intermediary or a means of moving money between people.
Deposits must support genuine, ordinary platform use. Rapid deposits and withdrawals, circular flows, splitting transactions, using multiple accounts, receiving money from third parties or patterns without a legitimate consumption purpose are prohibited.
Selling, renting or transferring an account, or using another person’s account to pay, withdraw, transfer or pass funds through is prohibited. The account holder is responsible for accurate identity information and protecting access and payment tools.
Balance sources and withdrawal eligibility
A balance may comprise received cash, service refunds, non-cash credit or financial adjustments. An amount shown in the total balance does not mean all of it is withdrawable.
Purchase credit or financing supplied by DigiPay, another lender or a commercial partner may only be used under the relevant service contract. It cannot be converted to cash, a bank withdrawal or a transfer to another user unless law or an express contract provides otherwise.
Prizes, gifts, promotional credit and compensation are withdrawable only when expressly marked as withdrawable. Otherwise they can only be spent within the platform and are not converted to cash on account closure.
Where possible, a payment refund returns to the same source and payer. Redirecting refunds to another person’s account or converting non-cash credit to cash is not accepted.
Receipt, partner settlement and availability
A successful order or initial gateway confirmation does not necessarily establish final receipt by the platform. Spending, transfer or withdrawal may remain restricted pending technical checks, reconciliation, reversal periods and partner settlement.
The platform is not required to advance from its own resources funds it has not received from the gateway, bank, lender or payment partner. If a partner settles in a later period, the user cannot withdraw that amount in cash before final receipt.
Announced review or payment times are operational estimates and may be extended for security checks, bank holidays, disruptions, discrepancies, binding authority orders or partner delays. Disclosable status and reasons can be followed up through support.
Withdrawals
Withdrawals are limited to the eligible portion of settled funds, after identity verification, to a bank account or IBAN belonging to the same account holder. Third-party accounts, gift cards, anonymous wallets or another person’s payment instruments are not accepted.
The platform may disclose minimum and maximum amounts, request counts, waiting periods, fees, processing hours and required documents in the interface and adjust them to banking requirements or risk management.
Debt, reserved funds, disputes, chargebacks, returned purchases, suspected fraud, unknown fund sources or legal requirements may suspend some or all withdrawals pending resolution. Rejection or suspension does not turn non-cash credit into a cash debt.
Transfers between users
This feature is currently disabled. Future activation requires an official announcement of its conditions, limits and controls. No user may demand a transfer before activation.
After activation, transfers are solely for ordinary assistance to a friend using permitted ParokLand games and services. Received amounts are not necessarily withdrawable and retain the source, nature and restrictions of the sender’s funds.
Transfers for outside debts or transactions, external goods or services, converting credit to cash, financial intermediation, collecting funds, interest-bearing loans, renting accounts, bypassing limits or sending to strangers are prohibited.
Transfers linked to gambling, betting, lotteries, paid predictions, wins and losses, prizes funded by others’ losses or any unlawful activity are prohibited inside and outside the platform. Recreational play without financial obligations between players is not covered by this prohibition.
Final transfers are generally irreversible. The platform may nevertheless stop, reverse or freeze mistaken, duplicate, technical, fraudulent or prohibited transactions pending review.
Prohibited conduct and abuse controls
Money laundering, hiding the source or beneficial owner of funds, criminal proceeds, phishing, payment fraud, unauthorized card or account use, false identities and coordinated evasion of controls are prohibited.
The platform may examine unusual patterns including chained or circular transactions, multiple accounts or payment instruments, rapid deposits and emptying of balances, amounts disproportionate to use, repeated refund requests and links to high-risk accounts.
On reasonable request, users must explain and document fund sources, transaction purpose, payment instrument ownership and their relationship with the recipient. Refusal or inconsistent information may lead to temporary financial restrictions.
Within the law, the platform may reject or stop transactions, reserve relevant funds, reduce limits, suspend financial features and report matters to the payment provider or competent authority.
Adjustments, reversals and disputes
Entries resulting from technical error, duplication, failed deposits, bank reversals, cardholder disputes, cancelled services or fraud may be corrected or reversed. Users must not withdraw or spend amounts they know were credited in error.
If the balance is insufficient for correction, the account remains in debt until the shortfall is covered. The platform may offset claims against refunds or later amounts without waiving other legal rights.
Users must report discrepancies promptly through a ticket with the transaction identifier and payment evidence. Electronic platform and provider records are the operational basis for review unless proven otherwise.
Identity, bank accounts and security
Financial activity may require matching the name, national identifier, mobile number, bank account or IBAN and other necessary information. Additional verification may be requested for different service levels.
Users must use only authorized payment instruments belonging to them and promptly report security incidents or unknown transactions. The platform never requests card PINs, one-time payment passwords or confidential sign-in codes in messages or tickets.
Financial and identity information is retained and processed under the privacy policy, security requirements and legal obligations.
Fees, limits and service changes
Applicable fees or limits are disclosed before confirmation in the interface. Fees directly charged by a bank, gateway or independent partner are subject to that provider’s rules.
For security, compliance, capacity or payment partner changes, the platform may temporarily suspend or replace a financial method. Suspending a feature does not itself make non-cash credit payable in cash or unsettled funds withdrawable.
Suspension, closure and remaining balance
For violations or immediate risks, financial features may be restricted before other account features. Restrictions remain until review, reconciliation, execution of a legal order or determination of relevant rights is complete.
After closure, undisputed settled cash, minus debt and disclosed fees, is paid to the user’s own bank account after identity verification. Non-cash credit, discounts and non-withdrawable prizes expire unless law or specific terms provide otherwise.
Closing an account does not enable cashing out credit, avoiding review, deleting records or demanding funds not yet received.
Responsibility, governing law and review
Users are responsible for the lawful purpose and source of their transactions. The platform is not responsible for outside agreements, debts, transactions or claims between users and does not provide financial services to guarantee them.
This document is governed by the laws of the Islamic Republic of Iran, including electronic commerce, anti-money-laundering rules and prohibitions on gambling and betting. Binding orders of competent authorities take precedence over its operational provisions.
Financial questions, objections and requests must be submitted through support tickets with the transaction identifier. Persian is the official text. Material changes are published with a new date and version identifier.
