Effective Date: 25 February 2024

This Refund Policy applies to all payments, Pledges, Tasks, and content purchases made through the Flipdare Application. By using Flipdare, all Members agree to the refund rules described below.

General Refund Principles

1. Refunds are not guaranteed and may only be issued where required by law or at Flipdare’s sole discretion.
2. Processing fees are not refunded under any circumstances.
3. Refunds may only be issued if sufficient funds remain in the Creator’s Stripe balance.
4. Flipdare is not responsible for refunding amounts that cannot be recovered from the Creator.
5. Refunds are governed by the Task/Pledge system and the Payment Issue process described below.

Refunds Before Task Completion

1. Before a Task is completed, Members may request a refund at any time.
2. Refunds before completion are typically approved unless:
   1. the Member has a history of abusive refund behavior.
   2. the request is fraudulent,

Refunds After Task Completion

After a Task is completed, refunds may only be issued through the Payment Issue process.

Payment Issue Process (Required for Post‑Completion Refunds)

1. A Member must open a Payment Issue in the Flipdare Application.
2. A private chat is created between the Member and the Creator.
3. Both parties must attempt to resolve the issue directly.
4. Automatic Outcomes
   1. If the Member sends a message and the Creator does not respond within 5 days, the Refund is automatically approved.
   2. If the Creator sends a message and the Member does not respond within 5 days, the Refund is automatically rejected.

Escalation to Moderator

1. If the issue is not resolved:
2. A Moderator (trusted Flipdare user or Flipdare support staff) is assigned.
3. The Moderator may consider:
   1. dispute rate of both parties
   2. refund rate of both parties
   3. payout rate of the Creator
   4. whether the transaction is a High‑Amount Transaction
   5. evidence provided by either party
4. The Moderator’s decision is final and binding.

High‑Amount Transactions (>$250 USD)

1. For transactions exceeding $250 USD, Flipdare may use an automated or semi‑automated algorithm to determine whether a refund should be automatically approved.
2. The algorithm may consider:
   1. the Creator’s connected account balance
   2. the impact of a chargeback on the Creator’s Stripe account
   3. the impact of a chargeback on Flipdare
   4. the Member’s history of successful chargebacks
   5. the operational cost of contesting the chargeback
3. Flipdare may automatically approve a refund if:
   1. the cost of contesting the chargeback outweighs the refund amount
   2. the Creator’s account is at risk of Stripe penalties
   3. Flipdare’s dispute ratio may be negatively impacted
   4. the Member has a history of successful chargebacks
4. Automatic approvals are final.

Non‑Refundable Situations

1. Refunds will generally be denied when:
   1. the Task was accepted by majority vote
   2. the Task was accepted by algorithmic determination
   3. the Member expresses subjective dissatisfaction
   4. the Member attempts to reverse a legitimate payment
   5. the Member has a pattern of abusive refund requests
   6. the Creator responded within the required timeframe

Evidence Provided in Chargebacks

1. If a Member initiates a chargeback with their financial institution, Flipdare automatically provides Stripe with:
   1. this Refund Policy
   2. the Flipdare Terms and Conditions
   3. Task details
   4. Pledge information
   5. timestamps
   6. voting results
   7. chat logs
   8. IP and device information
   9. any other relevant metadata
2. This ensures the bank receives a complete record of the transaction and the refund rules the Member agreed to.