We accept all major credit cards-Amex, Diners, Visa & Master. No debit cards, cash cards, internet-banking ,nets & telegraphic transfer payments are accepted.

1)	Payment Currencies. All payments for service must be in US dollars for Visa/Master credit cards and in Singapore dollars for Diners & Amex credit cards.
2)	Full Payment Agreement. You promise to pay us the amounts of all credit you obtain (including all Purchases), all fees and charges we assess against your Account and all FINANCE CHARGES as provided in this Agreement for services rendered by the company. You agree to make your payments in the amounts and at the times provided in this Agreement. If you overpay, or if a credit balance is otherwise created in your Account, we will not pay interest on such amounts. Mail your payment made in U.S. dollars, accompanied by the payment remittance stub, to the payment address provided, and following all other instructions on your Statement. The crediting of payments sent to any location other than the payment address or received in any other manner may be delayed. Except for address changes on the back of the Statement payment remittance stub, do not send correspondence of any type to the payment address. For inquiries about your Account, please call your credit card company/bank for verification. We can refuse to accept payments when not denominated in US dollars for Visa/Master credit cards and Singapore dollars for Diner & Amex credit cards.
3)	Booking Fees Charges. The following fees incurred will be charged to your Account and added to the Purchase charges in which the charges are for the services rendered by the agency and escorts.
4)	Our Right to Require Immediate Payment. We may require immediate payment of all amounts you owe us without notice or demand if: (1) you fail to pay any amount owed under this Agreement exactly when due; or (2) you exceed your credit limit; or (3) you fail to abide by any other term of this Agreement; or (4) you default on any other credit obligation you have with us; or (5) your ability to pay us is materially impaired (including, without limitation, if you file or have filed against you as debtor a proceeding under any chapter of the Bankruptcy Code); or (6) you die or become legally incompetent.
5)	Payment Procedures. Give the agency your credit card number so that they may authenticate it with the bank. The companion upon your arrival will present a credit card transaction slip to you. Upon signing, service will commence. For payments by Visa/Master, charges shall only be accepted in US dollars only while Amex and Diners payments are accepted in SGD dollars. We receive an authentication for all transactions. We also require a signatory that can be verified with your card, before the service is provided. Fraudulent credit cards will be reported to the authorities.
6)	Collection Costs. If you are in default, unless prohibited by applicable law, you also must pay us or reimburse us for all costs and disbursements, including reasonable attorney’s fees, incurred by us in legal proceedings (including bankruptcy proceedings) to collect or enforce the debt.
7)	Cancellation/Termination. If you decides not to use the escort’s service after you have let her through the door, a cancellation charge of SGD$30 is chargeable. If she stays on with you for more than 10 min, the whole booking charge applies. All charges to your credit card are non-refundable. In order to avoid such charges you must inform the escorts within 10min before signing any transaction slip.
8)	Authorized Use of Your Card by Others. If you permit any person to have access to your Card or Account number with the authorization to make a charge, you will be liable for all charges made by that person, including charges you may not have intended that person to make. When you use your Card, or permit someone else to do so, you thereby promise to pay all charges made with your Card, along with all related ADMINISTRATIVE & FINANCE CHARGES and other fees accruing under this Agreement, in conformity to the terms of this Agreement.
9)	Security. We do not have the means to check the identity of people using our services and will not be liable where Your Credit Card are used by someone else is and will be a breach of this agreement and may be a violation of the law. You agree to notify us immediately of any unauthorised use of Your Credit Card or any other breach of security of which you become aware. You hereby acknowledge and agree that if you share your credit card information with any other individual or entity; we should not be liable to reimburse you in any kind.
10)	LIQUIDATION DAMAGES FOR FRAUD. You hereby agree not to report as lost or stolen, any credit card which you have used in connection with any payment to Mystic Elite Wining & Dining.com, or as unauthorised, any charge for any services, for which you do not have good reason to believe is, in fact, lost, stolen, or unauthorised. You hereby agree that in the event of any such fraudulent reporting of a lost or stolen credit card used to obtain services from Mystic Elite Wining & Dining.com or any fraudulent reporting of unauthorised charge to Mystic Elite Wining & Dining.com on your credit card which has been made you. Or anyone under your authority, at a time when a charge or other obligation for payment for services to Mystic Elite Wining & Dining.com remains outstanding, you shall be personally liable to the company for liquidation damages. The liability for liquidation damages specified in this paragraph shall not limit any other liability you may have for any breach ( es) of any other terms, conditions, representations and warranties set forth in this agreement.
11)	Lost or Stolen Cards. You may be liable for the unauthorized use of your Card. If any of your Cards are lost or stolen, or if they are being used by an unauthorized person, you must immediately notify your bank as it is your duty to inform them without fail. You will not be liable for unauthorized use that occurs after you notify your bank of the loss, theft, or possible unauthorized use. You agree to your full cooperation in our efforts to assist you from unauthorized users and in prosecuting unauthorized users.
12)	Assignment. You agree that we may at any time assign your Account, any sums due on your Account by this Agreement, or any of our rights or obligations under this Agreement to another person or entity without your consent or notice to you. The person or entity to whom we make any such assignment shall be entitled to all of our rights under this Agreement, to the extent assigned. You may not assign your rights under this Agreement.
13)	Call Monitoring. You consent to and authorize us, any of our affiliates, and our marketing associates to monitor and/or record (unless prohibited by law) any of your telephone conversations with our representatives or the representatives of any of such companies for sale transactions reference. Any obscene, immoral prank callers and uncooperative customers will be blacklisted and we will make no refunds, as this will be consequence of a breach of the terms and conditions.
14)	Credit Information. You agree that we may make credit inquiries about you, and may furnish information relating to this Account in response to credit inquiries from others and to credit reporting agencies. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report and the credit report of your Additional User.
15)	Severability; No Waivers. If any part of this Agreement is found to be invalid, the rest remains effective, except as specifically set forth in the Binding Arbitration Provision, below. Any failure or delay in exercising any of our rights or remedies under this Agreement or under applicable law does not mean that we will not be permitted to exercise those rights or remedies later.
16)	Governing Law. This Agreement and your Account are governed by local law of Singapore and, to the extent that state law applies, by the laws of your country of origin, without regard to its conflict of laws principles.
17)	Change of Terms & Agreement. We may add, delete, or change the terms of this Agreement (“Change”) at any time, including an increase in the Service Charges or fees with or without notification at the discretion of the management.

YOUR BILLING RIGHTS. KEEP THIS NOTICE FOR FUTURE USE.

This notice contains important information about your rights and your responsibilities under the Fair Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL.

If you think your bill is wrong, or if you need more information about a transaction on your bill, write us at PO Box 441, Serangoon Garden, Singapore 915532. Write to us as soon as possible or you can refer to your authorized bank directly. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:

• Your Name and Account number.
• The dollar amount of the suspected error (also the transaction date and invoice number if applicable).
• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE.

1)	We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.
2)	After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including FINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.
3)	If we find that we made a mistake on your bill, you will not have to pay any FINANCE CHARGES related to any questioned amount. If we didn't make a mistake, you may have to pay FINANCE CHARGES, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.
4)	If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.
5)	If we don't follow these rules, we can't collect the first $100 of the questioned amount, even if your bill was correct.

SPECIAL RULES FOR CREDIT CARD PURCHASES.

If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services.