IDENTIFICATION OF THE WEBSITE PUBLISHER

PETRO-CENTER SA

• Legal Form: SA
• Share Capital: 30,986.69 EUR
• Headquarters: 2 Jean Fischbach Street – 3372 LEUDELANGE – LUXEMBOURG
• Phone: +352 26 37 27-1
• Fax: +352 26 37 27-900
• Web: petro-center.lu
• Email: contact@petro-center.lu
• RCSL: B 75045
• VAT ID No.: LU18268456
• Registration No.: 2000 2208 009 99

PC-TANK LLC

• Legal Form: SA
• Share Capital: 12,394.68 EUR
• Headquarters: 2 Jean Fischbach Street – 3372 LEUDELANGE – LUXEMBOURG
• Phone: +352 26 37 27-1
• Fax: +352 26 37 27-900
• Web: petro-center.lu
• Email: contact@petro-center.lu
• Commercial Register: B 80874
• VAT ID No.: LU18644983
• Registration No.: 2001 2402 482 99

 

SUBJECT

The purpose of this website is to provide information about PETRO-CENTER's activities and services. Accessing the website petro-center.lu implies unconditional acceptance of these Terms of Use.

INTELLECTUAL PROPERTY

The general structure, as well as the software, text, photos, images (whether animated or not), sounds, know-how, drawings, graphics, and all other elements comprising the website are the exclusive property of PETRO-CENTER and its partners. Users of this website are required to comply with the provisions of the French Data Protection Act; any violation of these provisions is subject to criminal penalties. Any reproduction, in whole or in part, of this website by any means whatsoever, without the express authorization of the publisher, is prohibited and would constitute an infringement of copyright. The same applies to the databases featured on the website, which are protected by the provisions of the Luxembourg law of April 18, 2004, amending the law of April 18, 2001, on copyright, related rights, and databases. The PETRO-CENTER trademark and the logos appearing on the website are registered trademarks or are the property of its partners. Any reproduction, in whole or in part, of these trademarks or logos, based on elements of the website without the express authorization of PETRO-CENTER, is therefore prohibited.

EDITORIAL CONTENT

The site strives to ensure that the information provided is accurate and up-to-date and disclaims all liability for any inaccuracies, errors, or omissions, as well as for any damages resulting from fraudulent interference by a third party that has led to a change in the information made available. The editorial content of the website is provided for informational purposes only and is not binding; it may be modified without recourse or prior notice. The publisher undertakes to use all human, technical, and financial resources to ensure the reliability of the listings published on the website. Under no circumstances may the publisher be held liable for any errors, omissions, inaccuracies, unavailability, or failure to display such information. This information does not constitute a representation, warranty, or any commitment on the part of the publisher. The provision of calculation and simulation tools is intended solely to provide an approximate estimate, and their results do not in any way constitute a commitment of any kind.

USER RIGHTS AND RESPONSIBILITIES

Users of this website acknowledge that they have the necessary skills and resources to access and use this website, and that they have verified that the computer system they are using is free of viruses and in perfect working order. Users are informed that during their visits, the site collects information for the purpose of compiling traffic statistics. A cookie may be automatically installed on the user’s web browser. A cookie is a small piece of data that does not identify the user but is used to record information regarding the user’s browsing activity on the site. The collection of personal information on the website is carried out in accordance with the laws in force in the Grand Duchy of Luxembourg regarding information technology, data files, and civil liberties. In accordance with applicable laws, users have the right to access, correct, or delete their personal data by contacting the website publisher. To facilitate the exercise of these rights, users may unsubscribe by clicking on the unsubscribe hyperlinks included in the emails they receive.

HYPERLINKS

Hyperlinks included on this website that lead to other resources on the Internet have been subject to prior, express, and written authorization. Users of the website may not create a hyperlink to the site without the publisher’s prior, express, and written authorization.

SERVICE AVAILABILITY

The Publisher is bound by an obligation of means regarding service accessibility and takes all necessary measures to ensure the site is accessible 24 hours a day, 7 days a week. However, the Publisher may suspend access to the site without prior notice, particularly for maintenance and upgrades, and under no circumstances may it be held liable for any damages that may result therefrom.

APPLICABLE LAW

These terms and conditions are governed by Luxembourg law.

GENERAL TERMS AND CONDITIONS OF SALE «PETRO-CENTER SA»

1. Deliveries / Missing Items

Unless otherwise specified, our goods are shipped, at our company’s discretion, either through our own services or via a carrier, and are sold in the Grand Duchy of Luxembourg on a free-on-destination basis. Unless otherwise verified upon arrival—in particular through the use of a flow meter—the weight, quantity, or quality recorded at the time of shipment shall be deemed conclusive.

2. Liability

The buyer alone bears the risks and perils associated with the use of the goods; in the event of any breach attributable to our company, we are liable only for direct damage caused to property or persons as a result.

Our company is not liable for any direct or indirect consequential damages.

Any product return will be accepted only if the matter has been submitted to our company in advance and our approval has been obtained. Defects that occur after delivery will never be compensated.

3. Retention-of-Title Clause

The goods and products delivered and/or processed remain the property of our company until full payment of the price has been made. The transfer of ownership of the goods and products is therefore contingent upon full payment of the price. If the price is not paid in full by the due date, our company may, after issuing a formal notice by certified mail, reclaim its goods and products. These items will be identified in a joint inspection, and a receipt will be issued to the customer, who must pay the costs associated with their return.

Risks, such as, for example, theft, fire, or damage to the goods and products delivered and/or processed, shall be borne by the customer upon delivery subject to retention of title. The customer agrees to insure the goods and products in favor of our company against any risk they may incur or cause upon delivery.

4. Packaging Recycling

In the case of the sale of packaged products, our company is not required to take back the packaging or ensure its recycling as long as there is no legal obligation to do so.

5. Prices and Terms

Orders are accepted only subject to change and are filled at the price in effect on the day of delivery. Commitments made by our agents are valid only after express ratification by our company.

An unjustified service call on the day of the order may result in the buyer being charged a travel fee of 50 € (excluding VAT).

6. Payments

All sales are to be made on a cash basis and are payable at our headquarters in Leudelange. Our receipts or the acceptance of other terms do not constitute an exception to this rule. Only receipts signed by the company constitute full payment.

However, our agents or carrier may acknowledge receipt of payments made to them at the time of delivery of the goods. Acknowledgment of receipt for payments other than in cash is valid only subject to successful completion of the transaction. Failure to pay an installment by its due date shall render all other installments—whether due or not—that the buyer owes us immediately due and payable. It shall entitle the company to terminate, by registered letter, the contract for any remaining deliveries.

7. Interest

In the event of failure to pay by the due date, our company may charge late payment interest, which shall be due automatically and without formal notice upon the mere expiration of the term, without the need for judicial intervention. This late payment interest shall be equal to the statutory interest rate plus 2%.

8. Compensation

Payments not received within 7 days of a written demand for payment from our company will be subject to a surcharge of 10%, with a minimum of 125 euros, as compensation for additional administrative costs incurred. Legal fees will not be included in this surcharge.

9. Force Majeure

Any event of force majeure entitles the seller to either terminate the agreement without formalities or prior notice, suspend its performance, or perform it in part.

10. Disputes

The District Court of Luxembourg shall have exclusive jurisdiction in the event of a dispute. Luxembourg law shall apply.

11. Protection of Personal Data

By agreeing to these general terms and conditions of sale, the buyer consents to our company collecting and using their personal data for the purpose of fulfilling this contract. The retention period for this data is determined by the applicable legal retention period. Upon the expiration of these periods, the corresponding data will be systematically and regularly deleted, provided that it is no longer necessary for the performance or initiation of a contract and/or there is no longer a legitimate interest or legal obligation to retain it. In accordance with European Regulation (EU) 2016/679 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (the «GDPR»), which entered into force on May 25, 2018, the buyer has the rights to access, rectify, object to, and restrict the processing of their data. The buyer may exercise these rights by writing to dpo@fskilwm.cluster100.hosting.ovh.net, providing their last name, first name, email address, and mailing address, and, if possible, their customer reference number. A copy of the buyer’s identification document will be requested if there is reasonable doubt regarding the buyer’s identity and will be destroyed upon completion of processing.

GENERAL TERMS AND CONDITIONS OF SALE «PC-TANK SARL»

The sale of our products is subject to the general terms and conditions set forth below, and acceptance of this sale constitutes acceptance of these terms and conditions, which shall not be modified by any contrary provisions in the customer’s terms of purchase and/or purchase orders.

PC-TANK S.àr.l. GENERAL TERMS AND CONDITIONS OF SALE.

1. Deliveries / Missing Items

Unless otherwise specified, our goods are shipped, at our company’s discretion, either through our own services or via a carrier, and are sold in the Grand Duchy of Luxembourg on a free-on-destination basis. Unless otherwise verified upon arrival—in particular through the use of a flow meter—the weight, quantity, or quality recorded at the time of shipment shall be deemed conclusive.

2. Liability

The buyer alone bears the risks and perils associated with the use of the goods; in the event of any breach attributable to our company, we are liable only for direct damage caused to property or persons. Our company is not liable for any direct or indirect consequential damages.

Any product return will be accepted only if the matter has been submitted to our company in advance and our approval has been obtained. Defects that occur after delivery will never be compensated.

3. Retention-of-Title Clause

The goods and products delivered and/or processed remain the property of our company until full payment of the price has been made. The transfer of ownership of the goods and products is therefore contingent upon full payment of the price. If the price is not paid in full by the due date, our company may, after issuing a formal notice by certified mail, reclaim its goods and products. These items will be identified in a joint review, and a receipt will be issued to the customer, who must pay the costs associated with their return. Risks, such as, for example, theft, fire, or damage to the delivered and/or processed goods and products, shall be borne by the customer upon delivery subject to retention of title. The customer agrees to insure the goods and products in favor of our company against any risk they may incur or cause upon delivery.

4. Packaging Recycling

In the case of the sale of packaged products, our company is not required to take back the packaging or ensure its recycling as long as there is no legal obligation to do so.

5. Prices and Terms

Orders are accepted only subject to change and are filled at the price in effect on the day of delivery. Commitments made by our agents are valid only after express approval by our company.

An unjustified service call on the day of the order may result in the buyer being charged a travel fee of 50 € (excluding VAT).

6. Payments

All sales are to be made on a cash basis and are payable at our headquarters in Leudelange. Our receipts or acceptance of other terms do not constitute novation or a waiver.

Only receipts signed by the company constitute full payment. However, our agents or carriers may acknowledge receipt of payments made to them at the time of delivery of the goods. Acknowledgment of receipt for payments other than in cash is valid only subject to successful completion of the transaction. Failure to pay an installment by its due date shall render all other installments—whether due or not—that the buyer owes us immediately due and payable. It shall entitle the company to terminate, by certified letter, the contract for any remaining deliveries.

7. Interest

In the event of failure to pay by the due date, our company may charge late payment interest, which shall be due automatically and without formal notice upon the mere expiration of the term, without the need for judicial intervention. This late payment interest shall be equal to the statutory interest rate plus 2%.

8. Compensation

Payments not received within 7 days of our company’s written notice of default will be subject to a surcharge of 10%, with a minimum of 125€, as compensation for additional administrative costs incurred. Legal fees will not be included in this surcharge.

9. Protection of Personal Data

By agreeing to these general terms and conditions of sale, the buyer consents to our company collecting and using their personal data for the purpose of fulfilling this contract. The retention period for this data is determined by the applicable legal retention period. Upon the expiration of these periods, the corresponding data will be systematically and regularly deleted, provided that it is no longer necessary for the performance or initiation of a contract and/or there is no longer a legitimate interest or legal obligation to retain it. In accordance with European Regulation (EU) 2016/679 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (the «GDPR»), which entered into force on May 25, 2018, the buyer has the rights to access, rectify, object to, and restrict the processing of their data. The buyer may exercise these rights by writing to dpo@fskilwm.cluster100.hosting.ovh.net, providing their last name, first name, email address, and mailing address, and, if possible, their customer reference number. A copy of the buyer’s identification document will be requested if there is reasonable doubt regarding the buyer’s identity and will be destroyed upon completion of processing.

10. Force Majeure

Any event of force majeure entitles the seller to either terminate the agreement without formalities or prior notice, suspend its performance, or perform it in part.

11. Disputes

The District Court of Luxembourg shall have exclusive jurisdiction in the event of a dispute. Luxembourg law shall apply.

Bestcharge’s General Terms and Conditions of Sale and Use

Version effective as of June 1, 2026

 

 

Publisher: PC-Tank s.à.r.l.

Address: 2, rue Jean Fischbach L-3372 Leudelange (Luxembourg)

 

These General Terms and Conditions of Sale and Use set forth the general terms and conditions under which PC-Tank s.à.r.l. provides its services to users. Any use of the services offered by PC-Tank s.à.r.l. must comply with these terms and conditions.

 

Preamble

PC-Tank s.à.r.l. (hereinafter referred to as «Bestcharge») enables the delivery of electricity at charging stations, which is necessary for the operation of electric vehicles.

A charging station (or charging point) refers to a facility designed and intended for charging electric vehicles, where only electric vehicles can be charged.

The parking space required for charging is provided by the owner or operator of the parking lot according to their own terms and conditions. Information on this matter is provided by the relevant owner or operator.

Direct payment at the charging station allows you to charge without registration or a long-term commitment, in accordance with the charging regulations currently in effect in Luxembourg. Charging via the Bestcharge app or the RFID charging card is available only to customers with a contract.

 

1. Scope

1.1. The following provisions govern the general terms and conditions of sale and use under which the user is authorized to use Bestcharge’s charging stations for the purpose of drawing electricity.

1.2. Each use of a charging station via direct charging gives rise to a one-time user agreement between the user and Bestcharge. The provisions of these General Terms and Conditions of Sale and Use shall constitute the one-time user agreement pursuant to Article 5.

1.3. The user declares that he or she has read these general terms and conditions of use and has expressly and unreservedly accepted them, as they are in effect on the day he or she subscribes to and uses the services offered by Bestcharge.

1.4. Bestcharge reserves the right to supplement, modify, or change these general terms and conditions of sale and use at any time, in whole or in part. It is therefore the user’s responsibility to regularly review the current version of the Terms and Conditions of Sale and Use, which are accessible at any time in the Bestcharge app. Any use of the services following a modification to the general terms and conditions of sale and use shall be deemed to constitute the user’s full acceptance of the new terms.

2. Right to Use Charging Stations

2.1. Any user who provides their credit card information and accepts the provisions of the Terms and Conditions of Sale and Use is authorized to use Bestcharge’s public charging stations and certain private charging stations in accordance with these Terms and Conditions.

2.2. The user has no right to the continued operation of all charging stations, to the maintenance of a specific number of charging stations, to , to the availability of maximum power (kW) at a charging station, or to the continuous use of the charging stations.

2.3. The user expressly acknowledges and agrees that they may partially charge their vehicle at third-party charging stations while using the Bestcharge app and charging at the various charging stations provided by Bestcharge. Since various data relating to third parties is transmitted to Bestcharge, Bestcharge cannot be held liable for the accuracy of such data. This data includes, among other things, the availability of charging stations, the specified and actual power output, and individual restrictions such as parking fees or hours of operation, etc. In case of doubt, the user must verify the completeness and accuracy of this information on-site and before the charging process begins, at their own risk.

 

3. Access to services

3.1. Bestcharge strives to ensure access to its app 24 hours a day, but may suspend access, particularly for maintenance work, updates, and other technical reasons. Under no circumstances shall Bestcharge be held liable for these interruptions or any resulting consequences for the user.

Bestcharge reserves the right to block access to all or part of the Bestcharge app unilaterally and without notice, particularly in the event of a clear violation of these Terms and Conditions of Sale and Use.

The user acknowledges that Bestcharge shall not be liable for any direct or indirect damages resulting from the blocking of access to Bestcharge's services.

3.2. Use of Bestcharge services requires that the user has completed the registration process, during which the user must provide personal information. The user agrees that the information provided, particularly personal data, is accurate, complete, and up-to-date, and that the user has made all necessary changes to ensure this.

As part of this procedure, the user declares that they have read and expressly accepted these general terms and conditions of sale and use. Any acceptance submitted by the user is considered a signature equivalent to a written signature. Completion of registration in the Bestcharge app is considered to constitute the user’s irrevocable consent.

3.3. Activation of the payment service is reserved for users who have previously created a personal user account. Bestcharge reserves the right to conduct a preliminary review when the user account is created and to refuse a subscription to Bestcharge services for a legitimate reason, such as:

• Termination of a previous contract due to fraud or nonpayment; ;

• Providing a sender's address that is unknown, temporary, or fictitious; ;
• Suspicion of intentionally inaccurate or incomplete information; ;

In that case, the registration will be canceled.

 

If applicable, the user shall bear all judicial and extrajudicial costs incurred by Bestcharge in connection with the legal proceedings, including reasonable attorney’s fees.

 

4. Use of the parking space associated with the charging station

4.1. Authorization to use designated parking spaces for electric vehicles during the charging process is always valid for the maximum duration of charging and parking indicated at the parking space, which may vary depending on the location. The operating hours of parking lots or underground parking garages do not affect this regulation and must be considered separately.

4.2. In the event of a violation of paragraph 4.1, Bestcharge is authorized to have the vehicle towed at the customer’s expense or to have it towed by third parties. This applies to all locations where Bestcharge owns the property. The costs will be billed to the customer based on the time spent. Bestcharge’s right to seek additional damages remains unaffected.

 

5. Direct Loading

5.1. For direct charging, the customer first scans the QR code located on the charging station. They will be redirected to the website associated with the charging point’s ID. Alternatively, the customer can enter the short URL on the QR sticker, which begins with LU*PCT*E.

5.2. Before the start of the charging process, the pricing information applicable to the charging station in question is displayed on the website. This information is determinative for the charging process and forms the basis for billing the charging process.

5.3. To begin the charging process, the customer must provide their email address (for sending the invoice) on the website, as well as their credit card information. An individual contract is established between Bestcharge and the customer for each charging process upon confirmation of the paid charging process.

5.4. Billing for the charging process is processed through the specified credit card. As soon as the charging process begins, a pre-set amount is reserved on the customer’s credit card for the duration of the charging process. At the end of the charging process, the actual invoice amount is charged. The customer receives, at the end of the charging process, an invoice in PDF format via email at the email address provided during the authentication process.

6. Careful Use of Charging Points

6.1. Before beginning to use the charging point, the customer must ensure that the electrical equipment at the charging point and the charging cable are being used properly.

6.2. Any visible damage to the charging point, to the charging cable (if permanently connected to the charging point), or any specific damage to the charging point must be reported immediately to Bestcharge via the hotline at (+352) 26 30 10. Charging must not be initiated if there is visible damage to the charging point, the charging cable, or other components of the charging point. Charging that has already begun must be stopped immediately. The same applies if foreign objects are visible on the charging point, particularly near the outlet or plug.

6.3. The customer is responsible for the condition of their electric vehicle’s electrical system, including the charging cable, unless the cable is a fixed part of the charging point. This also includes ensuring a proper and secure connection between the charging cable and the charging point.

6.4. If the customer makes it necessary to call a repair service and/or repair a charging point due to incorrect or inappropriate use, the customer must reimburse the costs incurred based on actual expenses. Other claims for damages remain unaffected.

7. Suspension of Use

7.1. For necessary work, including maintenance, inspection, repair, upgrading, or for other operational reasons, the customer’s use of a charging point may be denied at any time, or the charging point may be blocked. If necessary, the charging process may be interrupted and the power reduced or limited.

7.2. Bestcharge has the right to interrupt the use of a charging station, in particular a charging process, without prior notice. By accepting the provisions of these Terms and Conditions of Use, the user agrees to such suspension when necessary to prevent an immediate danger to the safety of persons or property of significant value.

 

8. Liability

8.1. In the event of damage caused intentionally or through gross negligence, bodily injury, and in other cases of mandatory legal liability—for example, under the Product Liability Act—Bestcharge is liable in accordance with the applicable legal provisions.

8.2. For damages caused by simple negligence, Bestcharge is liable only for the culpable breach of essential contractual obligations, that is, obligations whose fulfillment enables the proper performance of the contract and on which the customer must regularly be able to rely (so-called cardinal obligations).

9. Force Majeure and Network Disruptions

9.1. The obligation to perform for the customer is suspended to the extent and for as long as Bestcharge is prevented from performing the contract due to force majeure or other circumstances that it cannot eliminate or that are economically unreasonable.

9.2. In the event of an interruption or irregularities in the electricity supply, Bestcharge is exempt from any obligation to ensure the ability to charge if this results from a grid disruption, including the grid connection to the charging station.

9.3. Force majeure is any situation that Bestcharge or the customer cannot avoid, even with the utmost care. This includes, in particular, war, terrorism, riots, natural disasters, and floods.

10. Data Protection

10.1. The data necessary for managing the use of charging stations, including these Terms and Conditions of Use, is processed in accordance with the provisions of the GDPR.

10.2. For more information on managing your personal data, please visit https://www.petro-center.lu.

11. Online Dispute Resolution

Consumers have the option to obtain free assistance in filing a consumer complaint regarding an online purchase contract or an online service contract through the European Union’s online dispute resolution platform (ODR platform), as well as information on procedures with consumer mediation authorities in the European Union. The ODR platform is available at the following address: http://ec.europa.eu/consumers/odr/ Do you have any questions about online dispute resolution? Our email address is: bestcharge@petro-center.lu

 

12. Ordering RFID recharge cards or badges and shipping fees

12.1. When ordering a recharge card or badge, a one-time fee of 10 € for cards and 15 € for badges will be charged to the customer. This fee is intended solely to cover the costs associated with the creation and delivery of the recharge card or badge mentioned above. The recharge card or badge will be delivered via standard domestic mail. Any additional fees associated with international shipping may be charged to the customer in certain cases.

12.2. The user agrees to use the recharge card or badge solely in connection with the Bestcharge payment service. Each recharge card or badge remains the property of Bestcharge, which makes it available to the user solely for the purpose of its services; the user must return it at the end of the contract or ensure its destruction.

12.3. The user assumes full responsibility for the charging services assigned to them (app, card, or charging badge) and must protect them carefully. The user agrees to keep their (app) password confidential in order to protect their user account and the data stored therein. The user also agrees to ensure, to the extent possible, that all devices they use—particularly their computer and smartphone—as well as the connections they use are sufficiently secure. The user must take all necessary measures to keep their recharge card or badge secure and must accept the consequences of its use and any resulting payments, unless they have filed a dispute.

12.4. In the event of loss or theft of a Bestcharge recharge card, the customer must immediately notify Bestcharge by calling (+352) 26 37 27 – 401 during business hours (7:30 a.m. to 4:00 p.m., Monday through Friday) and/or at (+352) 26 30 10 (available 24/7) outside of business hours to have their card/badge blocked. Subsequently, the customer must confirm their request to block the card/badge by email at contact@bestcharge.lu. Bestcharge customer service will contact the customer as soon as possible to send a new card or badge.  The user is required to pay for all top-ups made through the payment service unless a dispute has been filed. The burden of proof regarding unauthorized use of the payment service by the user does not rest with Bestcharge under any circumstances.

 

13. Use of Bestcharge identification and billing services

13.1. The Bestcharge recharge card or badge and the app are identification tools that allow the user to:

• to use the charging service at compatible charging stations in partner networks ;

• to authenticate themselves at a compatible charging station to give their consent to start charging and agree to pay for the service; ;

• to allow billing for his top-up.

The user is required to use the identification service in an appropriate manner. The user also agrees to use compatible charging stations with care and in accordance with safety instructions, and to refrain from any unauthorized use.

13.2. Charging rates are not permanently assigned to a customer or a location in the field of electric mobility. The rates at which charging may be performed at the respective charging points may be adjusted at any time based on changes in electricity prices, roaming rates, or other additional fees. For each charging session, a single charging agreement is entered into. The consumer agrees to check the prices in effect at the location before each charging session, to verify that they can afford to pay for the intended charging process, and to accept these terms at the start of the charging process. For each charging station compatible with Bestcharge, there are specific prices that can be viewed in the Bestcharge app. Any complaints regarding non-compliance with the respective prices at charging stations will not be reimbursed by Bestcharge. Bestcharge cannot be held liable for any misunderstanding of the rates. If access to the rates is not possible, the consumer must refrain from charging via the Bestcharge authentication service, as it will then be presumed that they accept the stated rates without liability on the part of Bestcharge. Bestcharge reserves the right to set a maximum monthly cap or a volume limit on electricity charges to protect the user from significant billing issues.

13.3. In the event of a late payment, Bestcharge will attempt to charge the amount due to the customer’s credit card on a weekly basis. Bestcharge reserves the right to suspend the services associated with the user at any time in the event of non-payment. In the event of non-payment of the amount due two months after receipt of the invoice, Bestcharge will initiate debt collection proceedings at the user’s expense.