Payment Terms

PAYMENT TERMS AND CONDITIONS

HONG KONG IMMERSIVE GAMES CO., LIMITED

(“IMMERSIVE GAMES”)

These Payment Terms and Conditions (“Payment Terms”) govern purchases made through the official payment website operated by HONG KONG IMMERSIVE GAMES CO., LIMITED (“IMMERSIVE GAMES”, “we”, “us”, or “our”).

By making a purchase through our payment website, you agree to be bound by these Payment Terms, our Terms of Service, and our Privacy Policy.

1. Payment Website

IMMERSIVE GAMES offers virtual items through its official payment website:

https://pay.riseofarks.com/store

All purchases made through this website are subject to these Payment Terms.

2. Virtual Items

IMMERSIVE GAMES offers virtual currency, virtual goods, premium features, and other in-game digital content (collectively, “Virtual Items”) for use within its games and services.

Virtual Items:

• Have no real-world monetary value;

• Are licensed, not sold;

• May only be used within IMMERSIVE GAMES’ services in accordance with the Terms of Service.

3. Purchase Authorization

By clicking the purchase or payment confirmation button, you:

• Agree to purchase the selected Virtual Items;

• Request immediate delivery of such Virtual Items;

• Authorize IMMERSIVE GAMES and its designated third-party payment processor to charge your selected payment method at the price displayed at the time of purchase.

Prices, exchange rates, bonuses, and service offerings may change at any time without prior notice.

You agree to pay all applicable charges, including any applicable taxes, fees, or government levies.

4. Third-Party Payment Processing

All transactions are processed through third-party payment service providers.

Your payment will be subject to the terms and conditions of the applicable third-party payment processor. You are responsible for reviewing and agreeing to those terms before completing your purchase.

IMMERSIVE GAMES does not collect or store full credit card numbers. Payment data is processed and secured by third-party payment providers using industry-standard encryption and security measures.

5. Taxes

You are responsible for all applicable taxes associated with your purchase, including but not limited to VAT, GST, sales tax, or similar charges, as required by applicable law.

Where required, taxes may be calculated and added at checkout.

6. Refund Policy

Except as required by applicable law:

• All purchases of Virtual Items are final once delivered.

• We do not support refunds based solely on user preference or change of mind.

If you believe a refund is warranted, you must contact our official customer support at:immersivehk@xinliugames.com

You must provide accurate and complete transaction details. Refund requests are subject to review and approval at IMMERSIVE GAMES’ sole discretion.

In cases of malicious refund requests, abuse of refund mechanisms, unauthorized chargebacks, fraudulent complaints, or other improper conduct, IMMERSIVE GAMES reserves the right to:

• Suspend or terminate your account;

• Remove or recover Virtual Items;

• Restrict access to services;

• Pursue legal remedies where permitted by law.

Nothing in this section limits any non-waivable statutory rights under applicable law.

7. Chargebacks and Payment Reversals

You agree not to initiate chargebacks or payment disputes without first contacting customer support.

You are responsible for reimbursing IMMERSIVE GAMES for any chargebacks, reversals, fines, penalties, processing fees, or related costs arising from payments you authorized.

If a payment cannot be processed or is reversed, IMMERSIVE GAMES may:

• Suspend your account until payment is resolved;

• Require alternative payment;

• Terminate your account in cases of repeated or serious violations.

8. Fraud Prevention

IMMERSIVE GAMES reserves the right to:

• Refuse, suspend, or cancel transactions suspected of fraud;

• Conduct identity or payment verification checks;

• Limit payment amounts or methods;

• Cooperate with financial institutions and law enforcement authorities.

9. Privacy and Data Use

Payment-related personal data may be collected and processed by third-party payment providers.

IMMERSIVE GAMES may receive transaction-related information for purposes including:

• Facilitating purchases;

• Customer support;

• Fraud prevention;

• Legal compliance;

• Enforcement of our agreements.

For more information, please refer to our:

https://agreement.xinliugames.com/arks-privacy-en.html

https://agreement.xinliugames.com/arks-service-en.html

10. Governing Law

These Payment Terms and any dispute, controversy, or claim arising out of or in connection with these Payment Terms shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region, without regard to its conflict of law principles.