![Perfora's own product photographs of its oral care range, shown on a colour-block banner to illustrate a page about Perfora's terms of use]()
Terms of use pages are written to be skipped, and mostly they deserve it. Perfora's contains one sentence that does not.
"We will not be liable for any credit card fraud. The liability to use a card fraudulently will be on the user and the onus to ‘prove otherwise’ shall be exclusively on the user." The first half allocates a loss, which merchants' terms do all the time. The second half moves who has to prove what — and that is a rarer thing to find in a toothpaste brand's small print.
We read the page on 13 October 2026, logged out, in India, with nothing bought and no order placed. Below: that clause in context, a liability disclaimer broad enough to name personal injury, the two ways an order can be cancelled after you place it, and the three things this document gets right. Everything is quoted verbatim. None of it is legal advice, and nothing here tells you whether you would be liable for anything.
Verbatim, from Perfora's terms of use
Read 13 October 2026 on perforacare.com/policies/terms-of-service
"The liability to use a card fraudulently will be on the user and the onus to ‘prove otherwise’ shall be exclusively on the user."
📅 Update log:
13 October 2026 — First publication. Perfora's terms of use read in full from perforacare.com/policies/terms-of-service, logged out, in India, nothing bought, no order placed, no account created and Perfora not contacted. Approximately 15,000 characters of text and 71 usable sentences after stripping navigation. Captured and quoted: the credit-card clause in full including the own-card requirement, the no-liability statement and the reversal of the onus to prove otherwise; the sole-discretion clause on illegal or unauthorised use of the website; the prohibited-content list; the section 10 disclaimer of liability in full, including its capitalised wording, its coverage of direct, indirect and consequential loss and personal injury, its extension to third parties and to data and content providers; the section 11 jurisdiction-appropriateness warranty and the user's own eligibility warranty; the severability clause; the governing-law and exclusive-jurisdiction clause naming Indian law and Indian courts; the out-of-stock order-cancellation clause; the promotion-misuse account-termination and outstanding-order cancellation clause; and the published contact details and staffed hours. Perfora's privacy policy, which states that it is incorporated into and subject to these Terms of Use, was read the same day and is written up separately. No price, discount or coupon code is asserted anywhere on this page. Content verified 13 October 2026.
One clause, two separate things
Buried in Perfora's terms of use is a sentence about card fraud that does more work than most readers would expect from a toothpaste brand's small print. Verbatim:
"In a credit card transaction, you must use your own credit card. We will not be liable for any credit card fraud. The liability to use a card fraudulently will be on the user and the onus to ‘prove otherwise’ shall be exclusively on the user."
Read it as two moves rather than one. The first is an allocation of liability — the merchant says it will not bear the loss from a fraudulent card transaction. Store terms say that sort of thing routinely. The second move is the part worth noticing: the onus to "prove otherwise" is placed "exclusively on the user". That is not about who pays; it is about who has to demonstrate what happened.
We are describing published wording and nothing more. Whether a clause in a shop's terms can allocate liability or shift a burden of proof is a question for a court or a regulator. Liability for unauthorised card transactions is also governed by law and by banking rules that operate independently of what any merchant's terms say. Nothing on this page tells you whether you would or would not be liable in any situation, and none of it is legal advice. If an unauthorised transaction happens on your card, the people to contact first are your bank or card issuer.
Verbatim, from Perfora's terms of use, read 13 October 2026: "We will not be liable for any credit card fraud. The liability to use a card fraudulently will be on the user and the onus to ‘prove otherwise’ shall be exclusively on the user."
The clauses that decide what you are agreeing to
| Subject | The terms' own wording | What is notable |
|---|
| Card fraud | "We will not be liable for any credit card fraud. The liability to use a card fraudulently will be on the user and the onus to ‘prove otherwise’ shall be exclusively on the user." | Liability and the burden of proof |
| General liability | "DISCLAIMS all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever" | Includes personal injury, in capitals |
| Out-of-stock orders | "In case of out of stock of the offer product, company has all the rights to cancel the order." | Order cancellable after it is placed |
| Suspected promo misuse | "reserves the right to terminate the user's account and cancel all outstanding orders if it is found that the user is trying to misuse the promotions by any means" | Account and every pending order |
| Suspected unauthorised use | "In the event that Perfora, in its sole discretion, considers that you are making any illegal and/or unauthorised use of the Website… Perfora reserves the right to take any [action]" | Self-assessed, open-ended |
| Jurisdiction | "governed by and construed in accordance with the laws of India… You hereby consent to the exclusive jurisdiction of the courts of India" | Indian law, Indian courts — a point in its favour |
| Where the site is meant to be used | "does not make any warranty or representation that information on the website is appropriate for use in any jurisdiction (other than India)" | An India-first document, openly |
A liability disclaimer that includes personal injury
The general disclaimer is about as wide as this kind of drafting goes, and the capitals are the document's own: "The Website Owner shall not be responsible for and DISCLAIMS all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the website, any information contained on the website…"
Two words in that list are worth pausing on: "personal injury". This is a brand selling toothpaste, mouthwash, whitening strips, electric toothbrushes and water flossers — products that go in your mouth. A disclaimer written to cover website information is being drafted broadly enough to name bodily harm.
What that clause does not do is change anything about the products themselves. Product safety, labelling and liability for defective goods are governed by law, and a website's terms do not displace them. This page is reporting the breadth of a drafting formula; it is not suggesting any Perfora product is unsafe, has caused injury, or is anything other than what it is sold as, and we have not tested, used or assessed any product. If you have a reaction to any oral care product, the person to speak to is a dentist or doctor.
Your order is not final when you place it
Two clauses let an order be unwound after it has been made, and both are worth knowing before a sale.
Stock: "In case of out of stock of the offer product, company has all the rights to cancel the order." Straightforward, common across e-commerce, and at least stated openly.
Promotions: "The Company reserves the right to terminate the user's account and cancel all outstanding orders if it is found that the user is trying to misuse the promotions by any means." Note the reach — not the offending order, but all outstanding orders, plus the account itself.
There is a broader version of the same idea elsewhere: "In the event that Perfora, in its sole discretion, considers that you are making any illegal and/or unauthorised use of the Website, and/or your use of the Website is in breach of these Terms, Perfora reserves the right to take any" action it considers appropriate. The assessment is Perfora's own.
The practical reading, and it costs nothing: if you are stacking coupons or ordering during a promotion, keep it to one account and one set of details — the terms allow an account and every pending order to be cancelled on a finding of promo misuse. And keep your order confirmation emails, because an order can be cancelled for stock after it is placed.
What this document gets right
A page that only listed a company's broadest clauses would be a worse guide than one that says where the document is reasonable, and there are three places where this one is.
It keeps disputes in India. "Any relevant terms and conditions, policies and notices shall be governed by and construed in accordance with the laws of India without giving effect to any principles of conflict of law. You hereby consent to the exclusive jurisdiction of the courts of India." That is a meaningfully better position for an Indian shopper than the foreign law and foreign forum some comparable agreements specify.
It is honest about who it is for. "The Website Owner does not make any warranty or representation that information on the website is appropriate for use in any jurisdiction (other than India)." An India-first document that says so beats a template pretending to be global.
It publishes real contact details and real hours. On the same page: a phone number, +91 9999289288, an email address, hello@perforacare.com, and — unusually — when a human is there: "We're here to help Monday–Saturday, 10 AM to 6 PM." Publishing staffed hours rather than a contact form is a small thing that is also the difference between a resolvable problem and an unresolvable one.
Other clauses in Perfora's terms worth knowing, quoted verbatim
- Your own card only: "In a credit card transaction, you must use your own credit card."
- What you may not post: you agree "not to use the website to send or post any message or material that is unlawful, harassing, defamatory, abusive, indecent, threatening, harmful, vulgar, obscene, sexually orientated, racially offensive, profane, porno[graphic]" or similar.
- You warrant your own eligibility: "By accessing the website, you warrant and represent to the Website Owner that you are legally entitled to do so and to make use of information made available via the website."
- Severability: "All provisions of any relevant terms and conditions, policies and notices are, notwithstanding the manner in which they have been grouped together or linked grammatically, severable from each other."
- Third-party liability too: the disclaimer extends so that "neither the Website Owner nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation".
- The privacy policy is part of this: Perfora's privacy policy states it is "incorporated into and subject to the Terms of Use" — so the two documents operate together. We read that one the same day and wrote it up separately; it is linked below.
The fair summary
This is a short, India-first set of terms with one genuinely unusual clause. Plenty of merchants decline liability for card fraud. Putting the onus to "prove otherwise" exclusively on the customer is a further step, and it is the sentence to know about before you save a card on the site.
The liability disclaimer is drafted about as widely as this genre allows, down to naming personal injury. Orders can be cancelled after the fact for stock or for a finding of promo misuse that Perfora makes itself.
Against that: Indian law, Indian courts, a published phone number and staffed hours — a better package on the things that matter when something goes wrong than several better-known brands offer. None of the above is an assessment of whether any clause here is valid or enforceable, which is a matter for a court or a regulator, and none of it is legal advice. If an unauthorised transaction appears on your card, contact your bank or card issuer first.
Frequently Asked Questions
What do Perfora's terms say about credit card fraud?
They place both the liability and the burden of proof on the customer. Verbatim: "In a credit card transaction, you must use your own credit card. We will not be liable for any credit card fraud. The liability to use a card fraudulently will be on the user and the onus to ‘prove otherwise’ shall be exclusively on the user." This is a description of published wording. It is not legal advice, it does not tell you whether you would be liable in any situation, and it does not affect rights or protections that arise from law or from banking rules — which apply regardless of what a merchant's terms say. If an unauthorised transaction appears on your card, contact your bank or card issuer first.
Can Perfora cancel my order after I have placed it?
The terms describe two situations where it can. On stock: "In case of out of stock of the offer product, company has all the rights to cancel the order." On promotions: "The Company reserves the right to terminate the user's account and cancel all outstanding orders if it is found that the user is trying to misuse the promotions by any means." The second reaches further than the order in question — it covers the account and every outstanding order. Separately, Perfora reserves the right to act where it "in its sole discretion, considers that you are making any illegal and/or unauthorised use of the Website".
Which law and which courts govern a Perfora order?
India's, and this is one of the better features of the document. The terms state they are "governed by and construed in accordance with the laws of India without giving effect to any principles of conflict of law", and that "You hereby consent to the exclusive jurisdiction of the courts of India". The page also notes it makes no warranty that its information is "appropriate for use in any jurisdiction (other than India)". For an Indian shopper, local law and a local forum are a materially better position than the foreign law and foreign venue some comparable agreements specify.
How broad is Perfora's liability disclaimer?
Very, and the capitals are the source's own: it "DISCLAIMS all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party" arising from access to and use of the website and the information on it. It extends to third parties as well — "neither the Website Owner nor any third party or data or content provider shall be liable in any way". A website's terms do not displace law on product safety or defective goods. Nothing here suggests any Perfora product is unsafe or has caused harm; we have not used or tested anything, and any reaction to an oral care product is a matter for a dentist or doctor.
How do I contact Perfora if something goes wrong with an order?
The site publishes direct details and, unusually, the hours a person is available: +91 9999289288, hello@perforacare.com, and "We're here to help Monday–Saturday, 10 AM to 6 PM." That is more than many direct-to-consumer brands publish, most of which route everything through a form. Note also that Perfora's privacy policy is "incorporated into and subject to the Terms of Use", so the two documents work together; we read that one the same day and it is linked on this page. Contact details reproduced as published on 13 October 2026 and may change.
Prices & codes last verified: October 13, 2026
Zoutons may earn a commission when you buy through links on this page. Every quotation on this page is Perfora's own published text, read on 13 October 2026 from perforacare.com/policies/terms-of-service, logged out, in India, with nothing bought, no order placed, no account created, no payment made and Perfora not contacted. Quotations are reproduced verbatim, including the source's own capitalisation, grammar and punctuation; any emphasis is ours. This page describes what one published document says. It is a summary for general information, it is not legal or financial advice, and it must not be relied on as a statement of your contractual or statutory rights. Nothing on this page assesses whether any clause described is valid, binding, fair or enforceable — that is a matter for a court or a regulator — and no allegation of any unfair contract term, dark pattern, misleading advertising, non-compliance or breach of the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, the Information Technology Act, 2000, any Reserve Bank of India direction or any other law, rule, standard or guideline is made or implied against Perfora, its operating company or any of its affiliates. In particular, nothing on this page states, implies or advises that any customer is or is not liable for any unauthorised, fraudulent or disputed card transaction, or that any burden of proof does or does not rest with any person. Liability for unauthorised electronic payment transactions is governed by law and by the rules and procedures of banks, card issuers and payment networks, which operate independently of any merchant's published terms. If an unauthorised transaction appears on your card, contact your bank or card issuer. Equally, nothing on this page suggests that any Perfora product is unsafe, defective, mislabelled or has caused any injury or adverse effect to anyone; the reference to a liability disclaimer naming personal injury is an observation about the breadth of a drafting formula in a website's terms and nothing more. We have not bought, opened, used, tested or assessed any product, and this page makes no health, dental, medical, safety or efficacy claim about any product whatsoever. Any concern about a reaction to an oral care product is a matter for a dentist, doctor or other qualified professional. Statutory consumer rights, including rights relating to product safety and defective goods, apply to a transaction regardless of what any contract document says, and nothing here limits them. The page was read as text, which flattens its structure and may omit headings, lists or links; these terms operate together with Perfora's privacy policy, which states that it is incorporated into and subject to them, and with its other published policies, none of which is reproduced here and any of which may qualify what is described. Contact details, telephone numbers, email addresses and stated service hours are reproduced as published at the moment of reading and may change. Terms of use change without notice and may already differ from what is described here; the version published on perforacare.com at the time you read it prevails over anything on this page, and you should read it and take your own advice before acting.
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