10.4 the cooling-off period and refunds do not apply to paid-for-products that are ( i ) purchased via a third party partner of skype ( please contact the partner directly , who may decide in its sole discretion whether or not to pay a refund ) , ( ii ) not directly acquired online from skype ( e.g. vouchers or pre-paid cards ) ( iii ) paid for in cash using third party payment methods ( such as a cash payment wallet ) and ( iv ) paid for and allocated to your skype account by a skype manager administrator . 
