Refund, Chargeback & Dispute Policy

01Introduction

This Refund, Chargeback & Dispute Policy governs refunds, chargebacks, payment disputes, Buyer complaints, Seller disputes, access removal, evidence requirements, payout holds, reserves, negative balances, and related enforcement actions through or in connection with the Kyttx Platform.

This Policy is incorporated into and forms part of the Kyttx Master Terms of Service, Seller / Merchant Agreement, Buyer / Member Terms, Operator / Agency Terms, Payment, Payout & Fee Schedule, and other applicable Kyttx Policies.

By using Kyttx, creating a Seller Offering, purchasing a Seller Offering, receiving payouts, issuing refunds, filing disputes, or otherwise participating in transactions through or in connection with the Platform, you agree to this Policy.

If you do not agree to this Policy, you must not use payment-related or transaction-related features of Kyttx.

02Relationship to Other Terms

This Policy applies in addition to:

• The Kyttx Master Terms of Service.
• The Kyttx Seller / Merchant Agreement.
• The Kyttx Buyer / Member Terms.
• The Kyttx Operator / Agency Terms.
• The Kyttx Payment, Payout & Fee Schedule.
• The Kyttx Acceptable Use Policy.
• The Kyttx Content & Intellectual Property Policy.
• The Kyttx Privacy Policy.
• The Kyttx Data Processing Agreement.
• The Kyttx Arbitration & Dispute Resolution Agreement.
• The Kyttx Sanctions, Restricted Countries & Compliance Policy.
• Any Third-Party Payment Provider terms.
• Any Seller refund policy, checkout terms, subscription terms, payment plan terms, or purchase terms.

If there is a conflict between this Policy and the Master Terms of Service, this Policy controls for refund, chargeback, payment dispute, and Buyer complaint matters unless expressly stated otherwise.

03Definitions

Capitalized terms used but not defined in this Policy have the meanings given in the Kyttx Master Terms of Service.

For purposes of this Policy:

?Refund? means a full or partial return, reversal, credit, cancellation, repayment, or adjustment of a payment or purchase amount.

?Chargeback? means a cardholder dispute, payment reversal, bank dispute, card network dispute, retrieval request, payment claim, or similar payment provider process initiated by a Buyer, bank, card issuer, payment method provider, or Third-Party Payment Provider.

?Payment Dispute? means any dispute, claim, reversal, complaint, chargeback, refund request, failed payment claim, unauthorized transaction claim, or payment-related issue involving a Buyer, Seller, Operator, Kyttx, or Third-Party Payment Provider.

?Buyer Complaint? means any complaint, report, request, allegation, support ticket, refund request, fraud claim, non-delivery claim, misrepresentation claim, access issue, or other concern raised by a Buyer or on behalf of a Buyer.

?Dispute Evidence? means documents, records, logs, communications, receipts, checkout records, accepted terms, refund policy disclosures, access logs, delivery evidence, usage records, invoices, onboarding records, call records where lawful, fulfillment records, or other evidence requested by Kyttx or a Third-Party Payment Provider.

?Seller Refund Policy? means the refund policy, cancellation policy, guarantee terms, payment terms, subscription terms, or other purchase-related terms created, displayed, or provided by a Seller.

04Kyttx?s Role

Kyttx provides software infrastructure, checkout-related tools, payment-related workflows, hosting, access management, and integrations with Third-Party Payment Providers.

Unless Kyttx expressly states otherwise in writing, Kyttx is not the Seller of Seller Offerings and is not responsible for Seller promises, Seller delivery, Seller quality, Seller claims, Seller support, or Seller refund obligations.

Sellers are primarily responsible for refunds, Buyer disputes, chargebacks, support, delivery, and payment issues related to their Seller Offerings.

Kyttx may, but is not required to, assist with refunds, chargebacks, Payment Disputes, Buyer Complaints, or Seller-Buyer disputes.

Kyttx may take action where it determines that intervention is necessary or appropriate to protect Buyers, Sellers, Kyttx, payment partners, the Platform, or legal compliance.

05Seller Responsibility for Refunds

Sellers are responsible for creating, publishing, and honoring their own refund policies.

Each Seller Refund Policy must be:

• Clear.
• Accurate.
• Visible or accessible before purchase.
• Lawful.
• Not misleading.
• Not unfair or abusive.
• Consistent with checkout disclosures.
• Consistent with the Seller Offering.
• Consistent with Seller marketing claims.
• Compliant with Kyttx Policies.
• Compliant with payment provider requirements.
• Compliant with applicable consumer protection laws.

Sellers must not use hidden, deceptive, contradictory, impossible, unreasonable, or bad-faith refund conditions.

Sellers must not advertise refunds, guarantees, results-based guarantees, money-back promises, trials, cancellation rights, or satisfaction guarantees unless they are willing and legally able to honor them.

06Seller Duty to Display Refund Terms

Sellers must clearly disclose refund and cancellation terms before a Buyer purchases a Seller Offering.

Refund terms should describe, where applicable:

• Whether refunds are available.
• Refund eligibility conditions.
• Refund request deadline.
• How to request a refund.
• Whether refunds are full or partial.
• Whether fees are refundable.
• Whether taxes are refundable.
• Whether access ends after refund.
• Whether payment plan amounts remain owed.
• Whether subscription charges are refundable.
• Whether trials convert into paid subscriptions.
• Any guarantee conditions.
• Any exclusions.
• Any required Buyer actions.

If refund terms are unclear, missing, hidden, misleading, or inconsistent, Kyttx may determine that a refund is appropriate.

07Buyer Responsibility Before Purchase

Buyers are responsible for reviewing the Seller Offering and purchase terms before buying.

Before purchasing, Buyers should review:

• Seller identity.
• Seller Offering description.
• Price.
• Taxes.
• Payment schedule.
• Subscription terms.
• Payment plan terms.
• Cancellation terms.
• Refund terms.
• Guarantee terms.
• Access terms.
• Delivery timelines.
• Community or participation rules.
• Any additional Seller terms.

By completing a purchase, the Buyer acknowledges that they had an opportunity to review the applicable terms.

08Buyer Refund Requests

Buyers should first submit refund requests directly to the Seller unless the Buyer reasonably believes the transaction was unauthorized, fraudulent, illegal, or impossible to resolve with the Seller.

A Buyer refund request should include:

• Buyer name.
• Buyer email.
• Seller Offering purchased.
• Purchase date.
• Reason for refund request.
• Relevant communications.
• Relevant evidence.
• Any order, receipt, or transaction details available.

Kyttx may redirect Buyer refund requests to the Seller.

Kyttx may also request additional information from the Buyer or Seller.

09Seller Response to Refund Requests

Sellers must respond to Buyer refund requests in a timely, professional, and good-faith manner.

Sellers must not:

• Ignore valid refund requests.
• Mislead Buyers about refund rights.
• Threaten Buyers for requesting refunds.
• Retaliate against Buyers.
• Instruct Buyers to file chargebacks instead of handling refund requests.
• Impose hidden conditions not disclosed before purchase.
• Delay responses in bad faith.
• Use abusive, harassing, or deceptive tactics.
• Refuse legally required refunds.
• Make false statements to Kyttx or payment providers.

Kyttx may require the Seller to respond within a specific deadline.

Failure to respond may result in Kyttx taking action, including facilitating a refund, suspending payouts, restricting the Seller account, or terminating access.

10Platform-Initiated Refunds

Kyttx may require, initiate, facilitate, instruct, or assist with a Refund where Kyttx determines that:

• The Seller violated Kyttx Policies.
• The Seller Offering was illegal, fraudulent, misleading, or prohibited.
• The Buyer was charged incorrectly.
• The transaction was unauthorized.
• The Seller failed to deliver the Seller Offering.
• The Seller materially misrepresented the Seller Offering.
• The Seller?s refund policy was missing, unclear, hidden, unlawful, or misleading.
• The Seller advertised a guarantee but did not honor it.
• The Seller failed to provide reasonable support.
• The Seller created excessive Buyer complaints.
• The Seller created excessive chargeback risk.
• The Seller?s account is suspended or terminated.
• The Seller cannot or will not fulfill the Seller Offering.
• The Seller?s payout is under review.
• A payment provider, bank, card network, regulator, court, arbitrator, or legal authority requires action.
• Action is necessary to reduce legal, fraud, payment, compliance, chargeback, reputational, or platform risk.
• Action is otherwise appropriate in Kyttx?s discretion.

Kyttx?s decision to initiate or facilitate a Refund in one situation does not require Kyttx to do so in any other situation.

11Refunds and Access Removal

If a Buyer receives a Refund, Kyttx or the Seller may suspend, revoke, or terminate Buyer access to the relevant Seller Offering.

Access removal may apply to:

• Courses.
• Cohorts.
• Communities.
• Memberships.
• Subscriptions.
• Downloads.
• Files.
• Software access.
• Events.
• Calls.
• Masterminds.
• Bonuses.
• Templates.
• Related content.
• Any other Seller Offering access.

A Buyer must not continue to access, use, copy, download, or distribute Seller Content after receiving a Refund unless expressly permitted by the Seller and Kyttx.

12Refunds and Fees

Refunds may not include all Fees.

Unless Kyttx determines otherwise or applicable law requires otherwise, the following may be non-refundable:

• Platform Fees.
• Payment processing fees.
• Withdrawal fees.
• Instant withdrawal fees.
• Chargeback fees.
• Dispute fees.
• Administrative fees.
• Currency conversion fees.
• Third-party provider fees.
• Tax-related fees.
• Pass-through fees.

If a Refund is issued after Fees have already been deducted, the Seller may remain responsible for those Fees.

Kyttx may deduct or recover Refund amounts and related Fees from Seller payouts, future transactions, reserves, balances, payment methods, or other amounts owed to the Seller.

13Partial Refunds

Kyttx or a Seller may issue partial Refunds where appropriate.

A partial Refund may apply where:

• Only part of the Seller Offering was delivered.
• Only part of the Seller Offering was defective or unavailable.
• The Buyer used part of the Seller Offering.
• The Seller?s refund policy allows partial refunds.
• A settlement is reached.
• A payment provider requires adjustment.
• Kyttx determines a partial refund is appropriate.
• Applicable law requires or allows partial refund treatment.

Partial Refunds may still result in partial or full access restrictions.

14Subscription Refunds and Cancellations

Sellers offering subscriptions must clearly disclose renewal, billing, cancellation, and refund terms before purchase.

Unless the Seller?s terms or applicable law state otherwise:

• Canceling a subscription stops future billing but does not automatically refund past charges.
• Access may continue until the end of the paid billing period or may end earlier depending on Seller terms.
• Failed payments may result in access suspension.
• Disputed or charged-back subscription payments may result in access termination.
• Subscription refund decisions are governed by the Seller Refund Policy, Kyttx Policies, and applicable law.

Kyttx may facilitate cancellation or access removal where technically supported or required.

15Payment Plan and Installment Refunds

Sellers offering payment plans or installments must clearly disclose payment obligations before purchase.

Unless the Seller?s terms or applicable law state otherwise:

• Buyers remain responsible for agreed installment obligations.
• Cancellation of access does not automatically cancel remaining installment obligations.
• Refunds may not erase amounts already owed.
• Failed installments may result in access suspension.
• Disputed or charged-back installments may result in access termination.
• Sellers are responsible for enforcing lawful payment plan terms.

Kyttx may restrict payment plan features where Kyttx determines that a Seller?s terms are unclear, misleading, unlawful, or high risk.

16Trial Refunds and Trial Conversions

Sellers offering trials must clearly disclose:

• Trial length.
• Trial price, if any.
• When paid billing begins.
• Amount charged after trial.
• Cancellation deadline.
• Cancellation method.
• Refund terms.
• Access restrictions.

Kyttx may require Refunds where trial terms were unclear, hidden, misleading, unlawful, or not properly disclosed.

17Guarantee-Based Refunds

If a Seller offers a guarantee, the Seller must clearly disclose all material guarantee terms before purchase.

Guarantee terms should include:

• What is guaranteed.
• What is not guaranteed.
• Eligibility requirements.
• Buyer obligations.
• Deadlines.
• Required proof.
• Claim submission process.
• Exclusions.
• Refund amount.
• Access consequences.
• Any other material terms.

Sellers must honor lawful and properly triggered guarantees.

Kyttx may require or facilitate a Refund if a Seller advertises a guarantee and fails to honor it.

Kyttx may restrict or remove guarantees that are deceptive, unsupported, impossible, abusive, or misleading.

18Chargebacks

A Chargeback may be initiated by a Buyer, cardholder, issuing bank, card network, payment method provider, or Third-Party Payment Provider.

Chargeback outcomes may be determined by banks, card networks, or Third-Party Payment Providers.

Kyttx does not control Chargeback outcomes.

Sellers are responsible for Chargebacks related to their Seller Offerings.

This includes responsibility for:

• Disputed amounts.
• Reversed amounts.
• Chargeback fees.
• Dispute fees.
• Payment provider fees.
• Card network assessments.
• Administrative fees.
• Evidence submission.
• Negative balances.
• Related costs.

19Buyer Duty Before Chargeback

Buyers should contact the Seller first before filing a Chargeback or payment dispute, unless the Buyer reasonably believes that:

• The transaction was unauthorized.
• The payment method was stolen.
• Fraud occurred.
• The Seller cannot be contacted.
• Contacting the Seller would be unsafe or unreasonable.
• Applicable law or payment provider rules allow direct dispute.

Buyers must not file false, abusive, misleading, or bad-faith Chargebacks.

Buyers must not use Chargebacks to avoid valid payment obligations after receiving access to a Seller Offering.

20Abusive or False Chargebacks

Kyttx may determine that a Chargeback is abusive, false, misleading, or bad faith where a Buyer:

• Received access to the Seller Offering.
• Used or downloaded Seller Content.
• Participated in a course, cohort, call, event, or community.
• Accepted checkout terms.
• Accepted the Seller Refund Policy.
• Failed to request a refund from the Seller first where reasonable.
• Filed a dispute after receiving a valid refund denial.
• Misrepresented the transaction to a bank or payment provider.
• Used a Chargeback to avoid a payment plan obligation.
• Repeatedly files disputes against multiple Sellers.
• Engages in refund abuse.
• Threatens Chargebacks to obtain improper benefits.

Kyttx may suspend or terminate Buyer access for abusive or false Chargebacks.

Kyttx may provide evidence to payment providers, banks, card networks, Sellers, arbitrators, courts, regulators, or legal authorities where appropriate.

21Effect of Chargebacks on Buyer Access

If a Buyer files a Chargeback, payment dispute, reversal, or payment claim, Kyttx or the Seller may suspend, restrict, or terminate access to the relevant Seller Offering.

Access may be restricted during the dispute process.

If the Chargeback is successful, Buyer access may be permanently revoked.

If the Chargeback is reversed or resolved in favor of the Seller, access may be restored at the Seller?s or Kyttx?s discretion.

Kyttx is not liable for access loss caused by Chargebacks, payment disputes, payment reversals, failed payments, or payment provider decisions.

22Seller Duty to Provide Dispute Evidence

Sellers must provide Dispute Evidence when requested by Kyttx or a Third-Party Payment Provider.

Dispute Evidence may include:

• Buyer name.
• Buyer email.
• Purchase date.
• Transaction amount.
• Seller Offering description.
• Checkout records.
• Terms accepted at checkout.
• Refund policy shown at checkout.
• Confirmation emails.
• Invoices or receipts.
• Proof of payment authorization.
• Access logs.
• Login records.
• Course usage records.
• Community access records.
• Download records.
• Delivery evidence.
• Onboarding records.
• Email communications.
• Chat communications.
• Support messages.
• Call records where lawful.
• Signed agreements.
• Proof of fulfillment.
• Proof of cancellation terms.
• Proof of guarantee terms.
• Any other evidence requested.

Failure to provide timely and accurate evidence may result in dispute loss, refund, reversal, payout hold, reserve, account restriction, suspension, or termination.

23Dispute Evidence Deadlines

Kyttx may set deadlines for providing Dispute Evidence.

Deadlines may be shorter than payment provider or card network deadlines to allow Kyttx or payment partners time to review and submit evidence.

If a Seller misses a deadline, Kyttx may determine that no evidence will be submitted or that the dispute should be accepted.

Kyttx is not responsible for losses caused by a Seller?s failure to provide timely evidence.

24Kyttx?s Right to Submit Evidence

Kyttx may submit, share, or rely on evidence in response to refunds, Chargebacks, Payment Disputes, Buyer Complaints, investigations, legal claims, arbitration, or enforcement.

Evidence may include:

• Checkout terms.
• Accepted policies.
• IP logs.
• Account logs.
• Access logs.
• Transaction records.
• Payment status.
• Communications.
• Seller-provided evidence.
• Buyer-provided evidence.
• Platform usage records.
• Refund policy records.
• Subscription records.
• Payment plan records.
• Fraud indicators.
• Risk review information.
• Other records.

You authorize Kyttx to share such information with Third-Party Payment Providers, banks, card networks, Sellers, Buyers, Operators, service providers, regulators, legal authorities, arbitrators, courts, and advisors where necessary or appropriate.

25Seller Liability for Chargebacks and Disputes

Sellers are liable for all Chargebacks, Payment Disputes, refunds, reversals, fees, penalties, payment partner costs, card network assessments, negative balances, and related expenses connected to their Seller Offerings.

Kyttx may recover such amounts by:

• Deducting from current payouts.
• Deducting from future payouts.
• Using reserves.
• Offsetting against balances.
• Instructing Third-Party Payment Providers to debit connected accounts.
• Charging payment methods on file.
• Requiring direct payment.
• Using collections.
• Pursuing arbitration or legal action.
• Taking other enforcement measures.

Seller liability continues after account suspension, termination, or payout completion.

26Operator Liability for Dispute-Related Conduct

Operators may be liable where their actions or omissions contribute to Refunds, Chargebacks, Payment Disputes, Buyer Complaints, Seller disputes, or legal claims.

This may include situations where an Operator:

• Created misleading sales pages.
• Created deceptive checkout terms.
• Created unsupported claims.
• Misconfigured payment terms.
• Misconfigured refund terms.
• Issued unauthorized refunds.
• Misused Buyer Data.
• Removed access improperly.
• Sent misleading communications.
• Created prohibited Seller Offerings.
• Exceeded permissions.
• Violated Kyttx Policies.

Kyttx may restrict Operator access, suspend revenue share, offset amounts, or pursue claims against Operators where appropriate.

27Excessive Refunds, Chargebacks, or Buyer Complaints

Kyttx may determine that a Seller account has excessive or abnormal levels of:

• Refunds.
• Chargebacks.
• Payment Disputes.
• Failed payments.
• Buyer Complaints.
• Fraud reports.
• Refund abuse.
• Non-delivery complaints.
• Misleading-offer complaints.
• Payment partner warnings.
• Suspicious activity.
• High-risk transaction patterns.

If this occurs, Kyttx may:

• Require reserves.
• Delay payouts.
• Freeze payouts.
• Restrict payment methods.
• Restrict countries.
• Restrict currencies.
• Require additional verification.
• Require refund policy changes.
• Require Seller Offering changes.
• Require marketing changes.
• Require proof of fulfillment.
• Disable checkout.
• Suspend Seller Offerings.
• Suspend the Seller account.
• Terminate the Seller account.
• Notify Buyers.
• Cooperate with payment partners.
• Take any other action Kyttx determines necessary.

28Reserves and Holds for Dispute Risk

Kyttx may require reserves or holds to cover Refunds, Chargebacks, Payment Disputes, Buyer Complaints, negative balances, fees, penalties, or other risk.

A reserve or hold may be based on:

• Seller Offering type.
• Transaction volume.
• Refund rate.
• Chargeback rate.
• Buyer Complaint rate.
• Seller history.
• Account age.
• Payout history.
• High-ticket pricing.
• Delivery timelines.
• Subscription structure.
• Payment plan structure.
• Guarantee terms.
• Payment provider requirements.
• Legal or compliance risk.
• Kyttx?s risk assessment.

Kyttx may change, increase, decrease, release, extend, or maintain reserves or holds at its discretion.

29Negative Balances

If refunds, Chargebacks, disputes, fees, penalties, reversals, or other amounts create a negative balance, the responsible Seller, Operator, or User must pay the negative balance immediately.

Kyttx may recover negative balances as described in the Payment, Payout & Fee Schedule.

Negative balance obligations survive account termination.

30Buyer Complaint Escalation

A Buyer may contact Kyttx if:

• The Seller does not respond.
• The Seller refuses to honor a disclosed refund policy.
• The Seller Offering was not delivered.
• The Seller Offering was materially misrepresented.
• The Seller cannot be contacted.
• The Seller account appears fraudulent.
• Buyer access is broken.
• Payment was duplicated or incorrect.
• The Buyer believes Kyttx Policies were violated.
• The Buyer believes urgent risk exists.

Kyttx may request information from the Buyer, Seller, Operator, payment provider, or other parties.

Kyttx may choose not to intervene if the dispute is primarily between Buyer and Seller and does not involve Kyttx Policy violations, payment processing issues, fraud, legal risk, or platform integrity concerns.

31Optional Platform Review

Kyttx may review Buyer Complaints, Seller responses, refund requests, and dispute evidence.

Kyttx?s review may consider:

• Seller Refund Policy.
• Checkout disclosures.
• Accepted terms.
• Seller Offering description.
• Delivery evidence.
• Buyer access logs.
• Buyer usage.
• Communications.
• Payment status.
• Seller history.
• Buyer history.
• Refund rate.
• Chargeback rate.
• Legal requirements.
• Payment provider requirements.
• Kyttx Policies.
• Platform risk.

Kyttx?s review is not a court, legal judgment, arbitration award, or guarantee of outcome.

Kyttx may make operational decisions to protect the Platform without resolving the underlying legal dispute between Buyer and Seller.

32Mediation Between Buyers and Sellers

Kyttx may, at its discretion, provide optional assistance, communication, escalation, or informal mediation between Buyers and Sellers.

Kyttx is not required to mediate disputes.

Kyttx?s involvement does not make Kyttx responsible for the Seller Offering or Buyer claim.

Kyttx may stop assisting at any time.

Kyttx may recommend that parties resolve disputes directly, through arbitration, through payment provider processes, or through other legally available methods.

33No Guarantee of Dispute Outcome

Kyttx does not guarantee any outcome for Refunds, Chargebacks, Payment Disputes, Buyer Complaints, Seller disputes, or payment provider processes.

Chargeback and payment dispute outcomes may be determined by banks, card networks, payment providers, or other third parties.

Kyttx is not responsible for decisions made by Third-Party Payment Providers, banks, card networks, regulators, courts, arbitrators, or legal authorities.

34Fraudulent or Suspicious Transactions

Kyttx may review, block, refund, reverse, cancel, hold, delay, restrict, or report transactions that Kyttx determines are fraudulent, suspicious, high risk, unauthorized, or potentially unlawful.

Indicators may include:

• Stolen payment methods.
• Mismatched billing information.
• Suspicious IP or device data.
• Unusual purchase patterns.
• Rapid repeat transactions.
• Fake identities.
• Card testing.
• Excessive failed payments.
• Account takeover indicators.
• Sanctions concerns.
• Payment provider alerts.
• Buyer or Seller reports.
• Other risk indicators.

Kyttx may share information with Third-Party Payment Providers, banks, card networks, law enforcement, regulators, Sellers, Buyers, service providers, or advisors where necessary or appropriate.

35Refund Abuse

Kyttx may restrict or terminate Buyer accounts involved in refund abuse.

Refund abuse may include:

• Repeatedly purchasing and requesting refunds.
• Requesting refunds after copying or downloading content.
• Requesting refunds after receiving substantial value.
• Filing false non-delivery claims.
• Using multiple accounts to avoid restrictions.
• Threatening Sellers with chargebacks in bad faith.
• Misrepresenting facts to obtain refunds.
• Exploiting refund policies.
• Colluding with Sellers or others.
• Other abusive refund behavior.

Kyttx may also restrict Sellers that create refund abuse risk through unclear, deceptive, or manipulative practices.

36Seller Refund Manipulation

Sellers must not manipulate refund or dispute processes.

Prohibited conduct includes:

• Hiding refund terms.
• Changing refund terms after purchase without consent.
• Refusing legally required refunds.
• Requiring impossible refund conditions.
• Using threats to prevent refund requests.
• Instructing Buyers to file chargebacks instead of refunds.
• Misleading Buyers about chargeback rights.
• Creating fake refund records.
• Pressuring Buyers to withdraw valid disputes.
• Retaliating against Buyers.
• Offering undisclosed incentives for dispute withdrawal.
• Using abusive collection practices.

Kyttx may suspend or terminate Sellers who manipulate refund or dispute processes.

37Access Issues

If a Buyer cannot access a Seller Offering due to technical issues, the Buyer should first contact the Seller or Kyttx support as appropriate.

Kyttx may assist with Platform access issues but is not responsible for Seller-controlled delivery failures, unavailable Seller Content, Seller removal of access, or Seller failure to provide services.

Kyttx may consider access logs, payment status, account status, Seller instructions, and technical records when reviewing access-related complaints.

38Non-Delivery Claims

A Buyer may claim non-delivery if the Seller Offering was not provided as described.

Kyttx may review non-delivery claims using:

• Access logs.
• Delivery records.
• Seller communications.
• Buyer communications.
• Checkout terms.
• Seller Offering description.
• Fulfillment records.
• Community access records.
• Course progress records.
• File download records.
• Call booking records.
• Other relevant evidence.

If Kyttx determines that non-delivery likely occurred, Kyttx may facilitate a Refund, restrict Seller payouts, require Seller action, suspend the Seller Offering, or take other action.

39Misrepresentation Claims

A Buyer may claim misrepresentation if the Seller Offering materially differs from what was promised.

Kyttx may consider:

• Sales page statements.
• Checkout disclosures.
• Pricing terms.
• Seller communications.
• Ads or external marketing.
• Screenshots.
• Testimonials.
• Guarantee terms.
• Refund policy.
• Buyer evidence.
• Seller evidence.
• Platform records.

Kyttx may take action if it determines that a Seller Offering or related marketing was materially misleading.

40High-Ticket Offer Review

Because some Seller Offerings may involve high-ticket coaching, consulting, cohorts, masterminds, agency services, or business opportunities, Kyttx may apply additional review, reserves, evidence requirements, refund scrutiny, or payout delays to such Seller Offerings.

Kyttx may consider:

• Price.
• Refund terms.
• Guarantee terms.
• Income claims.
• Chargeback risk.
• Buyer complaint risk.
• Seller history.
• Marketing claims.
• Delivery model.
• Payment plan structure.
• Sales call process.
• Industry category.
• Payment partner requirements.
• Legal risk.

Kyttx may require additional documentation before allowing a high-ticket Seller Offering to remain active or before releasing payouts.

41Information Sharing

You authorize Kyttx to share information related to refunds, Chargebacks, Payment Disputes, Buyer Complaints, investigations, fraud, risk, or enforcement with:

• Sellers.
• Buyers.
• Operators.
• Third-Party Payment Providers.
• Banks.
• Card networks.
• Fraud prevention providers.
• Compliance providers.
• Tax providers.
• Service providers.
• Legal advisors.
• Regulators.
• Courts.
• Arbitrators.
• Law enforcement.
• Other parties where necessary or appropriate.

Information sharing will be handled in accordance with applicable law and Kyttx?s Privacy Policy.

42Record Retention

Kyttx may retain records relating to refunds, Chargebacks, Payment Disputes, Buyer Complaints, transactions, communications, access logs, evidence, Seller history, Buyer history, and enforcement actions.

Records may be retained for:

• Legal compliance.
• Payment provider requirements.
• Tax compliance.
• Accounting.
• Audits.
• Fraud prevention.
• Dispute resolution.
• Chargeback defense.
• Risk review.
• Enforcement.
• Platform security.
• Business operations.

Kyttx may retain such records after account closure or termination.

43No Waiver of Rights

Kyttx?s decision to issue, deny, facilitate, refuse, reverse, or assist with a Refund, Chargeback, Payment Dispute, or Buyer Complaint does not waive any rights Kyttx may have under its Terms, Policies, law, payment provider rules, or otherwise.

Kyttx may enforce its rights even if it previously allowed different treatment in similar situations.

44Limitation of Liability

To the maximum extent permitted by law, Kyttx is not liable for:

• Seller refund decisions.
• Seller failure to honor refund policies.
• Seller failure to deliver.
• Seller misrepresentations.
• Buyer chargebacks.
• Buyer refund abuse.
• Payment provider decisions.
• Bank decisions.
• Card network decisions.
• Delayed refunds.
• Failed refunds.
• Reversed payments.
• Payout holds.
• Reserves.
• Negative balances.
• Lost access following refund or chargeback.
• Seller-Buyer disputes.
• Operator conduct.
• Third-party service failures.
• Lost revenue, lost profits, reputational harm, or indirect damages.

Kyttx?s liability is limited as provided in the Kyttx Master Terms of Service and applicable agreements.

45Indemnification

Sellers agree to defend, indemnify, and hold harmless Kyttx and its owners, directors, officers, employees, contractors, agents, affiliates, licensors, service providers, and payment partners from and against claims, losses, liabilities, damages, penalties, fines, costs, and expenses, including reasonable legal fees, arising out of or relating to:

• Seller refund policies.
• Seller refusal to refund.
• Seller failure to deliver.
• Seller misrepresentations.
• Seller guarantees.
• Seller income claims.
• Seller chargebacks.
• Seller disputes.
• Seller negative balances.
• Seller payment provider fees.
• Seller Buyer Complaints.
• Seller violation of this Policy.
• Seller violation of law.
• Seller violation of payment provider rules.
• Seller misuse of dispute processes.
• Seller failure to provide evidence.

Buyers agree to defend, indemnify, and hold harmless Kyttx from claims, losses, liabilities, damages, penalties, fines, costs, and expenses, including reasonable legal fees, arising out of or relating to abusive refunds, false Chargebacks, fraudulent payment disputes, misuse of Seller Content, payment fraud, or violation of this Policy.

Operators agree to defend, indemnify, and hold harmless Kyttx from claims, losses, liabilities, damages, penalties, fines, costs, and expenses, including reasonable legal fees, arising out of or relating to Operator actions that cause or contribute to Refunds, Chargebacks, Payment Disputes, Buyer Complaints, Seller disputes, misleading claims, data misuse, or violations of this Policy.

46Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to this Policy, refunds, Chargebacks, Payment Disputes, Buyer Complaints, payout holds, reserves, negative balances, evidence, Seller disputes, Buyer disputes, or related enforcement actions will be resolved according to the Kyttx Arbitration & Dispute Resolution Agreement and the dispute resolution provisions in the Kyttx Master Terms of Service.

Unless mandatory law requires otherwise:

• Governing law shall be the laws of the Dubai International Financial Centre.
• Arbitration shall be administered by the Dubai International Arbitration Centre.
• The seat of arbitration shall be the Dubai International Financial Centre, Dubai, United Arab Emirates.
• The language shall be English.
• The tribunal shall consist of one arbitrator.
• Disputes shall be confidential.
• Claims must be brought individually and not as class, collective, consolidated, representative, or group claims.
• The prevailing party may recover costs and legal fees where permitted.

Before commencing arbitration, the party raising the dispute must provide written notice and allow 30 days for informal resolution.

Kyttx may seek urgent court relief for fraud, non-payment, negative balances, chargebacks, payment abuse, security threats, sanctions issues, illegal activity, data misuse, intellectual property misuse, or other urgent harm.

47Modifications

Kyttx may modify this Policy from time to time.

Kyttx may provide notice by posting an updated version, updating the ?Last Updated? date, sending email notice, displaying in-app notice, updating the dashboard, or using another reasonable method.

Changes are effective when posted or when otherwise stated.

Your continued use of the Platform after changes become effective constitutes acceptance of the updated Policy.

Kyttx may make immediate changes where required or appropriate due to legal requirements, payment partner requirements, security issues, fraud risk, chargeback risk, compliance issues, operational changes, tax requirements, or urgent platform needs.

48Survival

Obligations under this Policy survive account suspension, account termination, payout completion, Seller Offering removal, Buyer access termination, transaction completion, refund completion, chargeback completion, or discontinuation of the Platform.

Surviving obligations include obligations relating to:

• Refunds.
• Chargebacks.
• Payment Disputes.
• Negative balances.
• Reserves.
• Offsets.
• Evidence.
• Fees.
• Taxes.
• Indemnification.
• Recordkeeping.
• Dispute resolution.
• Legal compliance.

49Contact

For legal notices:

legal@kyttx.com

For support:

support@kyttx.com

Website:

https://kyttx.com