Chargeback & Fraud Mitigation Policy

1. Contact Us Before Filing a Chargeback

If you have a concern about a charge, please contact us first at [email protected] or via the Contact section on our website. Our support team can:

• Review billing concerns and verify transactions;
• Issue eligible refunds; and
• Resolve disputes directly.

Contacting us directly is almost always faster and simpler than initiating a chargeback through your bank.

2. What is a Chargeback?

A chargeback occurs when a cardholder disputes a transaction with their bank and requests a reversal of the charge. Chargebacks exist as a consumer protection mechanism and are intended as a last resort — not a substitute for contacting a merchant directly.

Chargebacks filed without first attempting to resolve the issue with us, or found to be fraudulent or unsubstantiated, are a violation of this policy and our Terms of Service.

3. Chargeback Prevention

3.1 Secure Payment Processing

All payments are processed by Stripe, a PCI-DSS compliant payment processor. We do not store your full credit card number, CVV, or other sensitive payment details. All transactions are protected by industry-standard encryption.

3.2 Clear Billing Disclosure

We clearly disclose all subscription fees, billing intervals, token purchase prices, and auto-renewal terms at the point of purchase and in our Subscription Terms. A prominent auto-renewal notice is displayed before any subscription is activated.

3.3 Transaction Monitoring

We conduct real-time monitoring of transactions to detect and flag suspicious or potentially fraudulent activity.

3.4 Identity Verification

We employ account registration and authentication controls, including Google Sign-In and email verification, to confirm the identity of registering users.

4. How We Handle Chargebacks

4.1 Investigation

Upon receiving notice of a chargeback, we conduct a thorough investigation reviewing:

• Account registration and login records;
• Transaction history and billing records;
• Subscription and token purchase records;
• Communication history between the user and our support team; and
• Any other relevant evidence.

4.2 Communication

We will attempt to contact the user at their registered email address to gather additional information or offer a direct resolution.

4.3 Response to Financial Institution

We will submit a formal response to the relevant card network or financial institution, providing all available evidence. This may include transaction records, IP logs, account activity, subscription confirmations, and prior communication.

4.4 Resolution

Possible outcomes of our chargeback review include:

• If the chargeback is valid, we will accept the reversal;
• If the chargeback is unsubstantiated or fraudulent, we will contest it; or
• If a refund is warranted independently of the chargeback process, we may issue one directly.

5. Consequences of Chargebacks

5.1 Account Suspension or Termination

Initiating a chargeback may result in the immediate suspension or permanent termination of your account at our sole discretion.

5.2 Loss of Access

If a chargeback results in account suspension or termination, you will immediately lose access to all subscription features, AI-generated content, and any remaining token balance.

5.3 Chargeback Fees

If a chargeback is found to be fraudulent or unsubstantiated, you may be held liable for any chargeback fees, processing costs, or administrative expenses incurred by the Company.

5.4 No Duplicate Refunds

You are not entitled to receive both a direct refund from us and a chargeback reversal for the same transaction.

5.5 Reinstatement

If a chargeback is resolved in our favor and you wish to continue using DreamBunny, please contact us at [email protected]. Reinstatement is at our sole discretion.

6. Fraudulent Activity

We maintain a zero-tolerance policy toward all forms of fraudulent activity, including:

• Filing chargebacks for legitimately authorized transactions (friendly fraud);
• Using stolen or unauthorized payment credentials;
• Creating multiple accounts to exploit free trials or promotional offers;
• Identity theft or impersonation for unauthorized purchases; and
• Any other deceptive financial conduct.

If we determine that a user has engaged in fraudulent activity, we will:

• Immediately suspend or permanently terminate the account;
• Pursue recovery of any fraudulently obtained funds;
• Report the user's activity to Stripe, relevant card networks, and/or law enforcement as appropriate; and
• Pursue civil or criminal legal action where warranted.

7. User Responsibilities

By using the Service, you agree to:

• Only use payment methods you are legally authorized to use;
• Provide accurate and up-to-date billing information;
• Contact our support team before initiating a chargeback;
• Not use the chargeback process to obtain goods or services without paying for them;
• Report any unauthorized charges or suspicious activity to us immediately; and
• Acknowledge that your personal data may be shared with Stripe and relevant financial institutions as part of our chargeback response, in accordance with our Privacy Policy.

8. Refund Policy

All refund requests are governed by our Refund Policy. Contact us at [email protected] for the fastest resolution.

9. Remediation and Accountability

In the event of any breach or non-compliance with this policy, we will take swift and appropriate action to address the matter.

10. Changes to this Policy

We reserve the right to update this policy at any time. Continued use of the Service following any changes constitutes your acceptance of the updated policy.

11. Contact Us

Ascenta Solutions LLC

30 N Gould Ste R, Sheridan, Wyoming, USA 82801

Email: [email protected]