Terms and Conditions

IGU LTD is a service and one of the largest ethnic telecommunication providers in the world.

General terms of use, privacy and shipping policy

By visiting and shopping at IGU LTD you accept these Terms and Conditions.

IGU LTD's objective is to provide the highest quality services at the best rates on the market. The use of this website is expressly conditioned on your acceptance of all terms and conditions stated herein and any other place on this website. DO NOT USE THIS WEBSITE if you do not accept all the terms and conditions stated herein and at other places (including but not limited to: Frequently Asked Questions, Privacy Policy) on this website.

It is a federal AND state offense to purchase any product or service by fraudulent means. Products and/or services purchased on this website shall not be used for any unlawful purpose. By using our website, you represent that you are at least 13 years old. Persons who are at least 13 years of age but under the age of 18 may only use our Websites with legal parental or guardian consent. Accordingly, you agree that you are at least 18 years of age or older or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, representations and warranties set forth in the Terms and Condition; otherwise, please exit the Website. Friendly Fraud Investigation It must be proven that the transaction was unauthorized, cardholder didnt receive any benefit from transaction, Cardholder received notification of transaction by emailed reciept and/or from the Card-issuer with in 48 hours (meaning after notification of the transaction or accessing the account balance or such activity(ies) and the Card-issuer has not been alerted to fraud with in 48 hours, gross neglect to secure card credentials, if so the Cardholder is liable for but not limited to $500.00 per transaction. Documents required for fraud chargeback: 2 months of statements associated to the cardholders account (bank or any type of financial institution 'Card issuer') which reflects the Cardholders account. Statement information must include: user loin access i.e. balance inquiries, transaction activities and notifications sent to cardholder for transactions via mailed letter, phone, mobile text or email. police report affidavit of identity theft 30 days of internet browser(s) history Card-issuer Cardholder's policy(ies) terms and conditions Cardholder's refusal to cooperate and or supply requested information for the investigation could result with the investigation being terminated and no chargeback will be executed. IGU LTD LLC maintains the right to pursue the cardholder to recover chargeback monies for all and any chargeback attempt(s) and all associated fees with in local civil action and all material during this investigation can and will be used against the defendant in a court of law. Any currency exchange amount/calculations provided by Third Party Transfer, IGU LTD, Washington's Market is soley an estimate provided by Third Party Transfer, IGU LTD, Washington's Market to its customers for informational purposes only and may not equal the actual exchange rate used by the carrier or other companies/entities the amount received by the recipient in the applicable country. The actual amount received by the recipient is determined by the carrier, and or other companies/entities. Third Party Transfer, IGU LTD, Washington's Market is not responsible for the actual amount received by the recipient or for any discrepancies between the estimate provided by Third Party Transfer, IGU LTD, Washington's Market and the actual amount received by the recipient.

By using IGU LTD's services the user accepts the rates, terms and conditions identified on this website. IGU LTD may change or modify the Terms from time to time without notice other then posting amended Terms on this Website. IGU LTD reserves the right to change, modify or discontinue, temporarily or permanently, the Website (or any portion thereof), including any and all content contained on the Website, at any time without notice. You agree that IGU LTD shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Website.

Whenever you provide us information on our Website, you agree to: (a) provide true, accurate, current and complete information and (b) maintain and promptly update such information to keep it true, accurate, current and complete. If you provide any information that is, or we have reasonable grounds to suspect that it is, untrue, inaccurate, not current or incomplete, IGU LTD may without notice suspend or terminate your access to our Website and refuse any and all current or future use of our Website (or any portion thereof). Please select a password that would not be obvious to someone trying to guess your password, and change it regularly as an added precaution. Furthermore we recommend you use a different password from the email account as an additional security measure. You are responsible for maintaining the confidentiality of the password and account, and you are fully responsible for all activities that occur under your password or account identification. You should make every effort to safeguard your account data. IGU LTD is not responsible for lost or stolen account data or unauthorized use. You agree to immediately notify IGU LTD of any unauthorized use of your password or account or any other breach of security.

Credit/debit card fraud is a criminal offense. At IGU LTD we use automated and manual systems to confirm proper credit card authorization, including having IGU LTD representatives call persons who have signed up for IGU LTD services. We also track every transaction. Information related to fraudulent transactions, including but not limited to IP addresses, detailed transaction records and email addresses is collected. The information will be provided to appropriate law enforcement officials consistent with applicable law when required to assist in the prosecution of any persons attempting to commit fraud on IGU LTD websites.

IGU LTD is the sole owner of the information collected on this website. We will not sell, share, or rent this information to a third party for marketing or any other purposes. We collect, retain, and use only the information that is necessary for you to administrate your IGU LTD account. Therefore, it is required for you to provide certain information upon using portions of our websites. Such information includes your name (either your name, company, or organizations name), address, phone number, email address, and other information gathered through the applicable process.

IGU LTD does not store credit/debit card information. IGU LTD websites communicate over Secure Socket Layer protocol to ensure protection of your personal data. IGU LTD however shall not be responsible for the security of your data or for fraudulent use of credit card to make purchases on this website, nor shall IGU LTD be obligated to make refunds or to provide any compensation where such fraudulent use occurs. IGU LTD will actively cooperate with law enforcement authorities in prosecuting anyone who uses this website or products/services sold over this website for unlawful use. IGU LTD is not responsible if the card holder's issuing bank does not authorize online transactions.

IGU LTD is committed to customer satisfaction and offers 100% money back guarantee. IGU LTD will refund the amount for any unused product to any customer who is dissatisfied with its services. The refund policy applies only for claims received by IGU LTD within 48 hours since purchase date and time. Any promotion or discount applied to an order for which a refund is provided will be deducted from the amount of the refund.

By calling our Customer Service you agree that the call may be recorded for quality assurance or training purposes. The recordings may also be used in the remote event of fraud investigation. However, we do not sell, share or rent any of the audio recordings made during our order verification process or during standard customer queries.


IGU LTD LLC may license to you certain virtual goods (“Virtual Goods”) to be used within Services. Unless otherwise specified, these Virtual Goods shall be deemed an integral part of the Software. These Virtual Goods may be licensed both for a fee using “real world money” and without any separate fee, as applicable from time to time. Any and all Virtual Goods are licensed to you on limited, personal, nontransferable, non-sub-licensable and revocable basis. Please note that any payment for licenses for Virtual Goods or redemption of third party virtual currency is always FINAL AND NON-REFUNDABLE. IGU LTD LLC may manage, regulate, control, revalue, modify or eliminate Virtual Goods at any time, with or without notice. IGU LTD LLC shall have no liability to you or any third party in the event that IGU LTD LLC exercises any such rights. YOU ACKNOWLEDGE THAT IGU LTD LLC IS NOT REQUIRED TO PROVIDE A REFUND FOR VIRTUAL GOODS FOR ANY REASON, AND THAT YOU WILL NOT RECEIVE MONEY OR OTHER COMPENSATION FOR UNUSED VIRTUAL GOODS, WHETHER YOUR LOSS OF LICENSE UNDER THIS EULA WAS VOLUNTARY OR INVOLUNTARY.

IGU LTD may discontinue, change, or suspend any aspect of the website at any time. IGU LTD may change, discontinue or suspend the availability of any database, content, feature, or product of the website. IGU LTD may impose limits on features, including services, use or restrict your access to parts or to the entire website without notice or liability.

In no event shall IGU LTD, its employees, officers, representatives, service providers, suppliers, licensors, and agents be liable for any direct, special, indirect, incidental, exemplary, punitive or consequential damages, or any other damages of any kind, including but not limited to, loss of use, loss of profits, or loss of data, whether in an action in contract, tort (including but not limited to negligence), or otherwise, arising out of or in any way connected with (i) the use or inability to use the websites or the content, materials, software, information or transactions provided on or through the websites, or (ii) any claim attributable to errors, omissions, or other inaccuracies in the websites or the content, materials, software, information, products, or services on or available through the websites, (iii) the cost of procurement of substitute goods and services resulting from any products, data, information or services purchased or obtained or messages received or transactions entered into through or from our website; (iv) unauthorized access to or alteration of your transmissions or data; (v) statements or conduct of any third party on our website; (vi) the delay or failure in performance resulting from an act of force majeure, including without limitation, acts of god, natural disasters, communications failure, governmental actions, wars, strikes, labor disputes, riots, shortages of labor or materials, vandalism, terrorism, non-performance of third parties or any reasons beyond their reasonable control; or (vii) any other matter relating to our website, even if IGU LTD or its authorized representatives have been advised of the possibility of such damages. Your sole remedy for dissatisfaction with the website and/or website-related services is to stop using the website and/or those services.

Dispute arising from purchase on this website or relating to this agreement, if not settled by the parties in good faith, may at their discretion, be submitted for arbitration to Asset Recovery America (ARA) at their offices in New York. All disputes, including interpretation of Arbitration Award shall be subject to laws of State of New York, and jurisdiction shall reside with Federal and State Court in New York. Prevailing party in the dispute shall be entitled to, in addition to any damages or relief, to reasonable expenses and attorney fees from the other party.

Purchases will appear on your credit/debit card statement as “IGU LTD” and or “Third Party Transfer”. You agree not to file a credit card or debit card chargeback with regards to any purchase made on the website but instead try to resolve the issue with the service provider - IGU LTD. If you do not remember making the purchase - call the number on your statement next to the charge.
In the event that you breach this agreement and file a chargeback, upon a resolution in our favor of the chargeback by either the credit card issuing bank, the credit/debit card processor or by VISA or MASTERCARD, you agree to reimburse us for any costs incurred in researching and responding to such chargeback, including without limitation, our actual costs paid to the credit/debit card processor or our banks and the reasonable value of the time of our employees spent on the matter, as determined in our discretion in good faith.
In the event that a chargeback is placed or threatened on a purchase, we also reserve the right to: invoice you for 'reverse chargeback fee'; report the incident for inclusion in chargeback abuser database(s). We use various credit reporting agencies and will send a default notice to them upon receiving a fraudulent order and/or chargeback. This in turn will seriously affect your credit rating. We are under no obligation to mark the debt as paid, even after we receive further payment to rectify the situation. We use several credit reporting agencies from Australia, United States, New Zealand, United Kingdom and several countries in Europe.

These Terms and Conditions may be available in multiple languages; in the case of a conflict between any other language version and the English language version of these Terms and Conditions, the English language version shall always control. Top Up Service Agreement —Subject to change at any time in the sole discretion of the service provider and or IGU LTD

Service Accessibility

Accessibility Records 
IGU keeps records of any interaction established between the company and any impaired individual who contacted the company’s customer service team through any of the following methods: chat, email, phone, or postal mail. Records are registered and saved for an undefined period of time; they are confidential and will be used only to determine statistics, general trends, or recurrent requests of the customers. Records can also be used to analyze, improve & develop features or options to further meet customers needs in regards to service accessibility and usability. 

Accessibility features 
As a website owner, the company behind IGU is responsible to adjust its features and services so that its website content is compatible with the majority of the browsers available on the market. Moreover, IGU can be used with any of the rendering devices used by visually impaired individuals. The content is not encrypted and can be accessed by audio rendering programs.
Any visually impaired individual can use their regular phone or special device to make use of our service & applications, to the extent to which they are able to use their device and dial regular numbers such as: access numbers, PIN numbers, or numbers saved in their phone’s Contacts list.
We’re committed to offering accessibility support to our customers with vision, hearing, mobility, and speech limitations. Therefore, any question regarding the use or accessibility of our services can be solved over the phone, email, or chat. Still, the services offered by IGU LTD can be purchased solely online through the paying platforms available on IGU 

More Resources
Mobile Speak and Mobile Magnifier are useful innovative applications designed for people with low vision. Both applications, such as many others available on the market can be used when accessing our website from a smartphone.

Contacting the Website
If you have any questions about this website, you may contact us at: 707 733 3206 or email

At IGU LTD we care about the privacy of our visitors and we are committed to protecting your private data at all times. We hold the option to collect any of your personal information that you do not volunteer to make available or consent to for further action. We hold the option to sell, share, or rent this personal information to others in any way that we have not mentioned in this statement.

We collect personally identifiable information, like names, postal addresses, phone numbers, email addresses, credit card number, etc, when voluntarily submitted by our visitors. This information is used only to fulfill your specific request or process your order, unless you give us permission to use it in another manner, for example to add you to one of our contact lists.

Once registered with IGU LTD ( registration can be done by payment tansaction, phone or email ), you authorize us to use the information you provide to customize your interaction with our website. If you choose to sign up or log in to IGU LTD using a social media account (Facebook, Google, etc), IGU LTD will have access to the name and email address you registered in your social media account. Even if you remove the social media account you connected with from your IGU LTD account, your name and email address will not be removed from your IGU LTD account.

IGU LTD and its partners use technologies such as cookies, or similar technologies to analyze trends, administer the site, track users’ movements around the site and to gather demographic information about our user base as a whole, and remember our users' settings (e.g. language preference, location etc), or for authentication. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

Also, in our efforts to match our products with the people interested in them, we use advertising services belonging to third party vendors, such as Google. Your visit on our website is likely to be a result of this third party service provided to us (AdWords, DoubleClick, etc), as well as a source to be exposed to future ads based on your past visits and interests. To opt out the use of cookies you should visit the

Our presence across the Internet is the outcome of this matching of users' preference and products available. In order to reach the right audience, the external companies we collaborate with (like Google or Quantcast) may use certain information to establish consumers' habits: visits to a website, goods and services to determine or predict our visitors' characteristics, behavior, or preferences.

Data collected from visits to our websites is matched by external companies to larger pools of data (from more websites) to deliver ads to people with similar browsing pattern to our visitors. Thus, consumers receive more relevant ads and advertisers benefit from more effective advertising.
Such data collected DOES NOT INCLUDE our visitor's name, address, email address, telephone number.

Our Site includes links to other web sites whose privacy practices may differ from those of IGU LTD. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any Web site you visit.

Our web site also includes Social Media Features, such as the Facebook Like button. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

We will share your personal information with third parties only in the ways that are described in this privacy policy. We do not sell your personal information to third parties.

We may also disclose your personal information:

We use reasonable precautions to keep the personal information you disclose both in your browsing and your purchases and to never release this information to third parties. Your personally identifiable information is kept secure. Only authorized employees have access to this information. When you enter sensitive information (such as a credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL). We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

We may share your information with third parties who provide services on our behalf to help with our business activities.  These companies are authorized to use your personal information only as necessary to provide these services to us.  
These services may include: 

By using our website, you give IGU LTD permission to collect information about the pages served to you as an anonymous user for the purpose of calculating aggregate site statistics. If you register with IGU LTD, you authorize IGU LTD to use the information you provide in order to personalize the information we deliver to you and to use your demographic information when calculating aggregate customer data. IGU LTD may occasionally amend this policy. We suggest that you bookmark this page and check to see if it has changed from time to time. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective.

As is true of most web sites, we gather certain information automatically and store it in log files. This information includes Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. We link this automatically-collected data to personally identifiable information, for example IP addresses are tied to personally identifiable information in the remote situations of fraud investigation.

Upon request IGU LTD will provide you with information about whether we hold any of your personal information. You may access, correct, or request deletion of your personal information by making the change on our member information page We will respond to your request to access within a reasonable timeframe.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Order and Delivery Policies, these Order and Delivery Policies apply to orders for product(s) from IGU LTD. The applicable Order and Delivery Policies are the policies in effect on the date that your order is placed with IGU LTD. This policy is applicable in all countries where IGU LTD conducts business, regardless of the entity you place your order with. "You" and "your" refers to the individual or entity that has ordered product(s) from IGU LTD. These Order and Delivery Policies are subject to change at IGU LTD discretion. CHANGE ORDER POLICY A change order is any alteration to an order transaction has been executed and submitted to IGU LTD for payment; at this time, the order is considered final. Requests for change must come from the party that placed the order with IGU LTD. Changes will not be implemented until authorized by you on a Change Authorization Form. Any alteration to an order after this date is subject to a change order fee(s). The following changes are allowed with no change order fee:  Change to billing address and/or billing contact, provided the change is within the same country as the original order.  Change to purchase order number The following changes are not allowed after the transaction is paid / submitted to IGU LTD for payment:  Change to the Customer on the order  Change in payment terms  Change ship to location to a different country Any other changes requested are subject to IGU LTD’s discretion and if we agree to make a change, we will charge you a fee equal to a minimum of 3% of the net charges for the product(s) that is being modified, plus any incremental charges based on the modified part(s). Changes will not be implemented until authorized by you on a Change Authorization Form and accepted by IGU LTD. Additions to your order, e.g. ordering a new item, shall be done on a separate order. ORDERS ARE NON-CANCELLABLE IGU LTD’s standard policy is that orders placed are non-cancellable and the fees paid are non-refundable, unless otherwise stated in your agreement. In the event you refuse to accept delivery of an order, we will invoice you the fees due for that order as this does not constitute cancellation. FREIGHT CHARGING POLICY IGU LTD charges for freight separate from the price of the product unless otherwise specified on your order. IGU LTD will coordinate the delivery, as defined in the country delivery terms table below, and will charge you for the freight fees.