Refund & Anti-Chargeback Policy
This Refund and Anti-Chargeback Policy ("Policy") forms an integral part of the Terms of Service Agreement between XORV Digital Studio ("XORV", "we", "us") and the Client ("you"). By completing a purchase on xorv.io, you expressly acknowledge, understand, and agree to the terms set forth herein.
1. All Sales Are Final — No Refund Policy
Due to the fundamentally bespoke, customized, and intellectual nature of the digital architecture, custom software engineering, and premium design services provided by XORV, all sales are strictly final and non-refundable. This policy applies without exception to all service tiers and packages.
Once any one or more of the following project pipeline events are initialized — including but not limited to: project scoping and discovery, design iteration, wireframing, prototyping, code execution, database architecture, API integration, server configuration, brand identity creation, or digital asset production — the transaction is considered fully and irrevocably earned by XORV, and no refund of any kind shall be issued.
The Client explicitly acknowledges that custom digital services differ fundamentally from physical goods or off-the-shelf software, and that the value delivered by XORV begins immediately upon project commencement and cannot be returned, de-compiled, or un-delivered once work has begun.
2. Chargeback Waiver & Anti-Friendly-Fraud Clause
By completing a purchase with XORV via Paddle.com (Merchant of Record), the Client expressly and irrevocably waives any right to initiate a credit card chargeback, payment dispute, or reversal request with their card issuer, payment network (Visa, Mastercard, Mada), digital wallet provider (Apple Pay), or any other financial institution in relation to a transaction for XORV services.
The Client understands and agrees that:
- Initiating a chargeback without first exhausting XORV's formal dispute resolution process (Section 4) constitutes an act of friendly fraud and a material breach of this Agreement.
- XORV actively monitors and documents all project communications, deliverable submissions, and client approval confirmations to construct a comprehensive, audit-ready evidence package for submission to payment processors and card networks in the event of any unauthorized chargeback attempt.
- XORV maintains transaction logs, IP records, email correspondence, scope confirmation records, and delivery receipts as legally admissible evidence of service delivery.
- XORV reserves all legal rights to pursue recovery of chargeback amounts, associated chargeback fees, and legal costs through available civil legal remedies in the event of an unauthorized or fraudulent dispute.
- Unauthorized chargeback initiation will result in the immediate and permanent suspension of all services, termination of the Client's project, and potential referral to relevant fraud prevention authorities or credit reporting agencies.
3. Limited Exceptions
The only circumstances under which XORV will consider a partial credit or service substitution (not a cash refund) are:
- XORV has materially failed to commence any work whatsoever within 30 calendar days of purchase, with no communication provided. In this case only, the Client may request a review via billing@xorv.io, and a project credit (not a cash refund) may be issued at XORV's sole discretion.
- A documented technical impossibility, independently verified and agreed upon in writing by both parties, prevents the delivery of any component of the contracted service.
In all cases, any credits issued are non-transferable, non-exchangeable for cash, and must be applied to a XORV service within 12 months of issuance.
4. Dispute Resolution Process
Before taking any external action, Clients with billing concerns are required to submit a formal written dispute to billing@xorv.io with the subject line "Billing Dispute — [Transaction ID]". XORV commits to acknowledging all formal disputes within 3 business days and providing a substantive written response within 10 business days. We are committed to resolving all legitimate concerns in good faith.
5. Governing Jurisdiction
This Policy is enforceable to the full extent permitted by applicable law. Any dispute arising from this Policy that cannot be resolved informally shall be subject to binding arbitration or litigation in XORV's registered jurisdiction. The prevailing party shall be entitled to recover reasonable attorneys' fees and costs.
6. Acknowledgment
By clicking "Get Started" and completing payment, you confirm that you have read, understood, and unconditionally agreed to this Refund and Anti-Chargeback Policy. You further confirm that your purchase is made voluntarily and with full understanding of the non-refundable nature of the services.
Contact
Billing Disputes: billing@xorv.io | General Inquiries: hello@xorv.io