Legal terms governing the use of Talky mobile top-up platform
Last Updated: March 10, 2026 | Effective Date: January 1, 2026
Welcome to Talky Cloud Communications (operated by TechSynergy Corp). These Terms of Service constitute a legally binding agreement between you and Talky governing your use of our international mobile top-up platform, which enables you to send prepaid mobile credit to over 200 countries and 500 mobile operators worldwide.
By creating an account, accessing our website, or using any of our mobile recharge services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with these terms, please discontinue use of our platform immediately.
These terms apply to all users, including individual consumers sending mobile top-ups to family and friends, as well as business resellers using our platform for commercial purposes. Additional terms may apply to business accounts and API access.
By using Talky's mobile top-up services, you agree to these terms and conditions. Our platform allows users to purchase and send prepaid mobile credit, data bundles, and international recharges to recipients worldwide.
Important: We reserve the right to verify your identity and may request additional documentation for security and compliance purposes. Accounts that fail verification may be suspended or terminated.
To use our mobile top-up services, you must create an account by providing your email address, phone number, and creating a secure password. You will be required to verify your email and phone number through OTP (One-Time Password) verification for security purposes.
Maintain the confidentiality of your account credentials (email, password, OTP codes)
Notify us immediately if you suspect unauthorized access to your account
You are responsible for all activities that occur under your account
Do not share your account credentials or allow others to use your account
We are not liable for any losses resulting from unauthorized use of your account due to your failure to maintain adequate security.
Talky provides international mobile recharge services that allow you to send prepaid credit to mobile phone numbers in supported countries. Our services include airtime top-ups, data bundles, and other mobile operator products.
We accept major credit cards (Visa, Mastercard, American Express), debit cards, PayPal, and Stripe payments. All transactions are processed securely through PCI DSS compliant payment gateways with bank-level encryption.
Transparent Pricing: The total cost displayed at checkout is what you pay. This includes:
Prices are subject to change based on exchange rates and operator pricing. The final price shown at checkout is locked in for your transaction. Payment must be completed in full before mobile credit is delivered.
We strive for 100% customer satisfaction with our mobile top-up services. Refunds are provided in the following circumstances:
If a top-up fails to deliver due to technical issues, operator problems, or invalid recipient numbers, we will automatically process a full refund to your original payment method within 5-7 business days.
Contact our support team within 24 hours of a successful transaction if you believe there was an error. We will investigate and process refunds for genuine mistakes. Refunds are not available if the recipient has already used the mobile credit.
Refunds cannot be issued for successfully delivered top-ups to the correct recipient number, or if you entered the wrong phone number (please double-check before confirming). Mobile credit cannot be transferred between numbers once delivered.
When using Talky's mobile top-up platform, you agree to:
You may not use Talky's platform for any illegal or unauthorized purposes, including but not limited to:
Violation of these terms may result in immediate account suspension or termination, and we may report illegal activities to appropriate law enforcement authorities.
To the maximum extent permitted by law, Talky Cloud Communications and TechSynergy Corp shall not be liable for:
Maximum Liability: Our total liability for any claims arising from your use of our mobile top-up services shall not exceed the amount of fees paid by you in the 12 months preceding the claim.
You may close your account at any time by contacting our support team. Upon account closure, you will no longer have access to transaction history, and any pending transactions must be completed before termination.
We reserve the right to suspend or terminate your account immediately, without prior notice, if:
We value your satisfaction and strive to resolve any disputes amicably. If you have concerns about our mobile top-up services, we encourage you to contact customer support first for informal resolution.
Contact Support: Email support@talky.ca with details of your dispute, transaction ID, and desired resolution.
Investigation: We will investigate your claim within 5-7 business days and provide a written response with our findings.
Resolution: If we cannot resolve the dispute informally, you may pursue binding arbitration as described below.
Any disputes arising from these Terms or use of our mobile top-up services shall be resolved through binding arbitration rather than in court, except where prohibited by law. Arbitration is more informal, faster, and less expensive than traditional court proceedings.
These Terms of Service and your use of Talky's mobile top-up platform are governed by the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein, without regard to conflict of law provisions.
For any disputes not subject to arbitration, you agree to submit to the exclusive jurisdiction of the courts located in Toronto, Ontario, Canada. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
International Users: If you access our mobile top-up services from outside Canada, you are responsible for compliance with local laws and regulations in your jurisdiction. Cross-border transactions may be subject to additional terms, restrictions, or fees based on your country's regulations.
All content, trademarks, logos, service marks, software, and intellectual property on the Talky platform are owned by or licensed to TechSynergy Corp. This includes but is not limited to:
You may not copy, reproduce, modify, distribute, sell, or exploit any content from our mobile top-up platform without express written permission. Business partners with API access must comply with API Terms of Use regarding intellectual property restrictions.
We shall not be liable for any failure or delay in performing our mobile top-up services due to circumstances beyond our reasonable control, including but not limited to:
During force majeure events, we will make reasonable efforts to notify affected users and resume normal operations as quickly as possible. Refunds for failed transactions due to force majeure will be processed according to our standard refund policy.
If any provision of these Terms of Service is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
Our failure to enforce any right or provision of these Terms does not constitute a waiver of such right or provision. Any waiver of these Terms must be in writing and signed by an authorized representative of TechSynergy Corp.
These Terms of Service, together with our Privacy Policy and any additional terms presented at the time of transaction, constitute the entire agreement between you and Talky Cloud Communications (TechSynergy Corp) regarding your use of our mobile top-up platform. These Terms supersede all prior agreements, understandings, and communications, whether written or oral, relating to the subject matter herein.
We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or business practices. When we make material changes:
Continued use of our mobile top-up services after the updated Terms take effect constitutes your acceptance of the changes. If you do not agree with the modifications, you must discontinue use and may close your account by contacting customer support.
If you have questions about these Terms of Service, need assistance with our mobile top-up platform, or wish to report a violation, please contact us:
Customer Support & Legal Inquiries
Email: support@talky.ca
Legal: legal@talky.ca
Company: TechSynergy Corp (Talky Cloud Communications)
Website: https://talky.ca
Business Hours: Monday-Friday 9:00 AM - 5:00 PM EST
Response Time: We aim to respond to all inquiries within 24-48 hours during business days.