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<p>The individual SP that operate MA are solely responsible for the content, products, goods, or services made available to you directly via their respective MA – including but not limited to quality, performance and availability. You should contact the respective SP directly with any queries, and any disputes shall be resolved directly with the respective SP.</p>
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<p>Cancellations or refunds for purchases from SP via MAF are subject to the applicable terms of the specific SP from which the purchase was made. Telegram has no role in processing payments and governing refund or cancellation charges. Any disputes must be resolved by contacting the SP directly, who is responsible for resolving the dispute.</p>
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<h1><a class="anchor" name="3-payments" href="#3-payments"><i class="anchor-icon"></i></a>3. Payments</h1>
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<p>Telegram does not process payments. Instead, payments are processed by third-party payment providers, which are chosen by the SP for their MA, at the SP’s sole discretion,from the list of <a href="https://core.telegram.org/bots/payments#supported-payment-providers">available payment providers</a>.</p>
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<p>Telegram does not process payments. Instead, payments are processed by third-party payment providers, which are chosen by the SP for their MA, at the SP’s sole discretion, from the list of <a href="https://core.telegram.org/bots/payments#supported-payment-providers">available payment providers</a>.</p>
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<h4><a class="anchor" name="3-1-payment-information" href="#3-1-payment-information"><i class="anchor-icon"></i></a>3.1. Payment Information</h4>
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<p>Telegram does not store your credit card details for purchases made via MAF. Such data is handled solely by third-party payment providers. See our <a href="https://telegram.org/privacy#7-third-party-payment-services">Privacy Policy</a> for more details.</p>
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<h4><a class="anchor" name="3-2-payment-related-disputes" href="#3-2-payment-related-disputes"><i class="anchor-icon"></i></a>3.2. Payment-Related Disputes</h4>
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