UK Consumer Contracts Regulations Notice

Last Updated: 15 September 2025

1. COMPANY INFORMATION

Company Name: DIGIFABRICA LTD
Company Number: 15390190
Registered Office: 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ
Email: info@bittenpay.com
Director: Ümit Sönmez

2. INTRODUCTION

This notice provides information required under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (CCR 2013) for consumers purchasing digital content and services through the DIGIFABRICA marketplace platform. These regulations protect consumers when buying online and ensure you receive essential information before making a purchase.

3. REGULATORY FRAMEWORK

3.1 Applicable Regulations

Primary Legislation:

Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013
Consumer Rights Act 2015
Electronic Commerce (EC Directive) Regulations 2002
Distance Selling Regulations (retained provisions)
Unfair Terms in Consumer Contracts Regulations 1999

Consumer Definition:

Individual acting for purposes wholly or mainly outside their trade, business, craft, or profession
Does not include purchases for business purposes
Mixed-use purchases assessed on predominant purpose

3.2 Digital Content Specific Rules

Digital Content Classification:

Software, applications, and digital tools
Online courses and educational materials
E-books and digital publications
Templates, graphics, and design assets
Digital media files and content
Subscription services and access rights

4. PRE-CONTRACT INFORMATION REQUIREMENTS

4.1 Trader Information (Regulation 13)

About DIGIFABRICA LTD:

Business Name: DIGIFABRICA LTD
Legal Status: Private Limited Company
Registration: Companies House Number 15390190
Registered Address: 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ
Contact Email: info@bittenpay.com
Geographic Address: Same as registered office
Telephone Number: Available upon request

Trading Information:

Business Activity: Digital marketplace platform operator
VAT Status: Not currently VAT registered
Professional Regulations: Compliant with UK digital services regulations
Dispute Resolution: Internal complaint procedures and external ADR available

4.2 Product and Service Information (Regulation 13)

Main Characteristics:

Digital Products: Comprehensive product descriptions provided on each listing
Technical Requirements: System compatibility and technical specifications
Functionality: Detailed feature lists and capability descriptions
Licensing Terms: Usage rights and restrictions clearly stated
Support Included: Level of customer support provided by vendor

Digital Content Specific Information:

File Formats: Supported formats and compatibility requirements
Download Size: File sizes and bandwidth requirements
Installation Requirements: System specifications and setup procedures
Updates: Availability of updates and maintenance
Restrictions: Geographic, usage, or technical limitations

4.3 Price and Payment Information (Regulation 13)

Pricing Details:

Total Price: Full price including all applicable taxes and fees
Currency: All prices displayed in US Dollars (USD)
Platform Commission: Included in vendor pricing, not separately charged to customers
Payment Processing: No additional fees charged by DIGIFABRICA
Price Validity: Prices confirmed at time of purchase completion

Payment Arrangements:

Accepted Methods: Credit/debit cards (Visa, Mastercard, American Express), PayPal, Apple Pay, Google Pay
Payment Timing: Full payment required before product delivery
Payment Security: PCI DSS compliant payment processing via Stripe
Currency Conversion: Handled by payment processors, rates determined at transaction time
No Recurring Charges: Unless explicitly stated for subscription products

4.4 Delivery Information (Regulation 13)

Digital Delivery Process:

Delivery Method: Electronic delivery via download links and account access
Delivery Timeline: Immediate delivery upon successful payment processing
Delivery Confirmation: Email confirmation with access instructions
Account Access: Products available in user account dashboard
Technical Support: Assistance available for delivery issues

Geographic Availability:

Service Area: Global availability (subject to local legal restrictions)
Restricted Territories: Compliance with international sanctions and local laws
Language Support: Primarily English with some localized content
Technical Limitations: Internet access required for download and use

4.5 Cancellation Rights Information (Regulation 13)

Right of Withdrawal:

Standard Period: 14 calendar days from contract conclusion
Digital Content Exception: Right of withdrawal lost when performance begins with express consent
Immediate Performance: All digital products begin performance immediately upon purchase
Express Consent Required: Customer explicitly agrees to immediate performance
Acknowledgment of Loss: Customer acknowledges losing withdrawal right

No Cancellation for Digital Content:

Legal Basis: Regulation 37 – Digital content supplied immediately
Express Consent: Required before digital content delivery
Performance Commencement: Customer agrees to immediate download/access
Right Waiver: Customer expressly waives 14-day cancellation right
Clear Information: This information clearly provided before purchase

5. CONTRACT FORMATION PROCESS

5.1 Order Process (Regulation 14)

Customer Journey:

Product Selection: Browse and select digital products
Add to Cart: Review selected items and quantities
Checkout Process: Provide payment and contact information
Order Review: Confirm order details, pricing, and terms
Payment Authorization: Authorize payment processing
Order Confirmation: Receive confirmation and access instructions

Confirmation Requirements:

Order Summary: Detailed breakdown of purchase items and pricing
Payment Confirmation: Confirmation of successful payment processing
Access Instructions: Clear instructions for product access and download
Receipt Provision: Electronic receipt sent via email
Terms Acceptance: Confirmation of terms and conditions acceptance

5.2 Contract Conclusion

When Contract Forms:

Payment Authorization: Contract concluded upon successful payment processing
Immediate Performance: Digital content delivery begins immediately
Express Consent: Customer provides explicit consent for immediate performance
Withdrawal Waiver: Customer acknowledges and accepts loss of cancellation rights
Contract Terms: All terms and conditions become binding upon payment

5.3 Order Acknowledgment (Regulation 15)

Confirmation Requirements:

Immediate Acknowledgment: Confirmation sent within minutes of order completion
Durable Medium: Email confirmation constitutes durable medium
Complete Information: All contract terms and product information included
Access Details: Download links and account access information provided
Support Information: Customer support contact details included

6. DIGITAL CONTENT SPECIFIC PROVISIONS

6.1 Right of Withdrawal Exception (Regulation 37)

Legal Framework:

Regulation 37(1)(a): Digital content not supplied on tangible medium
Express Consent: Customer explicitly consents to immediate performance
Acknowledgment Required: Customer acknowledges loss of withdrawal right
Performance Commencement: Delivery begins before 14-day period expires
Complete Waiver: Customer waives right of withdrawal entirely

Implementation Process:

Clear Information: Withdrawal exception clearly explained before purchase
Express Consent: Customer actively consents to immediate performance
Acknowledgment: Customer confirms understanding of lost withdrawal right
Immediate Delivery: Digital content supplied immediately upon payment
Contract Completion: Contract terms become fully binding

6.2 Consumer Consent Requirements

Consent Collection:

Explicit Consent: Clear “I agree” checkbox for immediate performance
Separate Consent: Distinct from general terms and conditions acceptance
Clear Language: Plain English explanation of withdrawal right loss
Prominent Display: Consent requirement prominently displayed during checkout
Record Keeping: Consent records maintained for compliance purposes

Consent Language:

“I expressly consent to the immediate performance of this contract for digital content. I acknowledge that I will lose my right to withdraw from this contract once performance has begun.”

6.3 Performance and Delivery

Immediate Performance:

Automatic Delivery: Digital content delivered immediately upon payment
No Delay Options: No option to delay performance beyond payment
Full Performance: Complete digital content access provided immediately
No Partial Performance: Entire product made available upon purchase
Irrevocable Process: Performance cannot be reversed once begun

7. ADDITIONAL CHARGES REGULATIONS

7.1 Additional Charges Prohibition (Regulation 40)

Prohibited Practices:

Default Options: No pre-ticked boxes for additional charges
Hidden Fees: All costs clearly displayed before payment
Express Consent: Additional services require explicit customer consent
Opt-in Required: Customer must actively select additional services
Clear Pricing: All charges clearly itemized and explained

Compliance Measures:

Transparent Pricing: All costs displayed clearly before checkout
No Surprise Charges: No additional charges applied without consent
Clear Options: Additional services clearly marked as optional
Active Selection: Customer must actively choose additional services
Confirmation Required: Additional charges confirmed before payment

7.2 Payment Method Surcharges

Surcharge Prohibition:

No Payment Fees: No surcharges for standard payment methods
Cost Reflection: Any charges must not exceed actual processing costs
Transparency: Payment method costs clearly displayed
Alternative Options: Free payment methods available
Fair Pricing: No discriminatory pricing for payment methods

8. CONSUMER RIGHTS AND REMEDIES

8.1 Consumer Rights Act 2015 Compliance

Digital Content Rights:

Satisfactory Quality: Digital content must be of satisfactory quality
Fitness for Purpose: Must be fit for particular purpose made known
As Described: Must match description and sample shown
Digital Content Remedies: Repair, replacement, price reduction, or refund
Time Limits: Rights exercised within reasonable time after discovery

Remedy Hierarchy:

Repair or Replacement: First tier remedies for non-conforming content
Price Reduction: Second tier remedy if repair/replacement not possible
Refund: Final remedy if other options unsuccessful or inappropriate
Damages: Compensation for reasonably foreseeable loss

8.2 Statutory Rights Information

Important Notice:

“These Terms and Conditions do not affect your statutory rights as a consumer under UK law. Your statutory rights are not limited by any voluntary warranty or guarantee we may offer.”

Rights Summary:

Quality Standards: Right to digital content of satisfactory quality
Description Matching: Right to receive content matching description
Fault Remedies: Right to repair, replacement, reduction, or refund
Time Limits: Reasonable time to examine content and report faults
Legal Advice: Right to seek independent legal advice about rights

9. COMPLAINT AND DISPUTE RESOLUTION

9.1 Internal Complaint Process

Complaint Procedure:

Email Contact: info@bittenpay.com with subject “Consumer Complaint”
Response Time: Acknowledgment within 48 hours, resolution within 14 days
Escalation: Senior management review for unresolved complaints
Documentation: Written record of complaint and resolution provided
Follow-up: Satisfaction verification and continuous improvement

9.2 Alternative Dispute Resolution

ADR Options:

EU Online Dispute Resolution: Available at ec.europa.eu/consumers/odr
Industry Ombudsman: Sector-specific ombudsman services where applicable
Mediation Services: Independent mediation available for complex disputes
Trading Standards: Local Trading Standards office complaint support
Citizens Advice: Free consumer advice and support services

ADR Information:

Voluntary Participation: ADR participation is voluntary for businesses
Cost-Effective: Often free or low-cost alternative to court proceedings
Time-Efficient: Faster resolution than traditional legal proceedings
Expert Mediators: Specialized knowledge in consumer law and digital services
Binding Decisions: Some ADR services provide binding arbitration

10. COMPLIANCE MONITORING

10.1 Regular Compliance Review

Review Procedures:

Quarterly Assessment: Regular review of compliance with CCR 2013
Legal Updates: Monitoring of regulatory changes and requirements
Best Practice: Implementation of industry best practices
Training Programs: Staff training on consumer protection requirements
System Updates: Technology updates to ensure compliance

10.2 Enforcement and Penalties

Regulatory Enforcement:

Trading Standards: Local authority enforcement and investigation
Competition and Markets Authority: National enforcement capability
Court Orders: Compliance orders and injunctions
Financial Penalties: Fines and compensation orders
Business Restrictions: Trading restrictions for serious violations

11. ACCESSIBILITY AND LANGUAGE

11.1 Information Accessibility

Accessible Information:

Clear Language: Plain English used throughout
Visual Design: Clear layout and readable fonts
Multiple Formats: Information available in various formats
Assistance Available: Support provided for accessibility needs
Regular Review: Accessibility regularly reviewed and improved

11.2 Language Support

Primary Language: English Translation: Professional translation available for major languages upon request Cultural Adaptation: Consideration of cultural differences in communication Local Support: Regional customer support where available

12. UPDATES AND CHANGES

12.1 Information Updates

Change Notification:

Advance Notice: 30 days notice for material changes affecting consumer rights
Clear Communication: Plain language explanation of changes
Continued Compliance: Ongoing compliance with updated regulations
User Notification: Email and website notification of important changes
Transition Period: Reasonable time for adaptation to changes

12.2 Regulatory Changes

Monitoring Process:

Legal Updates: Regular monitoring of consumer protection law changes
Compliance Assessment: Impact assessment of new regulatory requirements
Implementation Planning: Systematic approach to implementing changes
Professional Advice: Legal consultation for complex regulatory changes
Industry Collaboration: Participation in industry compliance initiatives

13. CONTACT INFORMATION

13.1 Customer Service

General Inquiries:

Email: info@bittenpay.com
Subject: “Consumer Contracts Inquiry”
Response Time: Within 24 hours during business days

13.2 Complaints and Disputes

Complaint Contact:

Email: info@bittenpay.com
Subject: “Consumer Complaint – CCR 2013”
Phone: Available upon request for urgent matters
Address: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ

13.3 Regulatory Bodies

Trading Standards:

Local Office: Contact via gov.uk/trading-standards
Citizens Advice: citizensadvice.org.uk or 03444 111 444
Competition and Markets Authority: gov.uk/government/organisations/competition-and-markets-authority

14. ADDITIONAL RESOURCES

14.1 Consumer Information

Helpful Resources:

Gov.UK: Official government guidance on consumer rights
Citizens Advice: Free consumer advice and support
Which?: Independent consumer advice and product testing
Trading Standards: Local authority consumer protection services
EU ODR Platform: Online dispute resolution for EU consumers

14.2 Business Support

Compliance Resources:

BIS Guidance: Department for Business guidance on consumer law
Trade Association Support: Industry-specific compliance guidance
Legal Resources: Professional legal advice and support services
Training Programs: Consumer law training and education
Best Practice Guides: Industry best practice and compliance guides

15. EFFECTIVE DATE

This UK Consumer Contracts Regulations Notice is effective from 15 September 2025 and applies to all contracts concluded on or after this date.

16. GOVERNING LAW

This notice is governed by the laws of England and Wales and complies with UK consumer protection legislation.