TEXTORITY CHARGEBACK AND PAYMENT DISPUTE POLICY
Last Updated: September 30, 2026
This Chargeback and Payment Dispute Policy applies to payment disputes, chargebacks, unauthorized-charge reports, payment inquiries, evidence requests, dispute-related accounting, and related payment processes involving textority.com, text.me, text.to, lets.talk, the Textority web platform, and related online services operated by Textority Inc.
1. PURPOSE AND SCOPE
1.1 What this Policy governs. This Policy governs how Textority handles Payment Disputes relating to Textority paid plans and paid Creator Offerings, including reporting, review, evidence, Creator cooperation, dispute responses, funds movement, dispute-related fees, refunds during an open dispute, dispute outcomes, negative balances, and related records.
1.2 Who this Policy applies to. This Policy applies to Users whose transactions are disputed, Creators whose Creator Offerings are involved in a Payment Dispute, authorized Creator Team Members acting within assigned permissions, and guardians or other payers where the Terms of Service permit a purchase connected to a Teen User.
1.3 What this Policy does not comprehensively govern. Payment authorization and transaction accounting are governed by the Payment Terms. Refund eligibility and cancellation treatment are governed by the Refund and Cancellation Policy. Creator payout consequences are governed by the Creator Payout Terms. Recurring-charge authorization and cancellation are governed by the Subscription and Auto-Renewal Terms. Delivery and access are governed by applicable Transaction Terms, Creator Policies, and the Digital Content Delivery and Access Policy when applicable.
1.4 External processes. A Payment Dispute is ordinarily administered by a bank, card issuer, Payment Provider, payment network, wallet provider, or other payment participant under that participant’s rules. Textority does not control every external deadline, classification, evidence standard, or outcome.
1.5 No advice. This Policy describes contractual and operational payment-dispute rules. It is not legal, banking, tax, accounting, credit, or financial advice.
2. RELATIONSHIP TO OTHER TEXTORITY TERMS
2.1 Additional Terms. This Policy is Additional Terms under the Textority Terms of Service (the “Terms of Service”). The Terms of Service continue to apply.
2.2 Payment Terms. The Payment Terms govern payment authorization, transaction architecture, Payment Providers, fees, refunds, reversals, Payment Disputes, negative balances, reserves, Holds, and payment records within their subject matter.
2.3 Creator Terms and Creator Payout Terms. The Creator Terms govern Creator obligations concerning offerings, fulfillment, records, cooperation, and prohibited conduct. The Creator Payout Terms govern dispute-related effects on Creator Balances, Available Payout Amounts, Payouts, Reserves, Holds, and negative balances.
2.4 Refund and Subscription Terms. The Refund and Cancellation Policy governs refund eligibility and treatment. The Subscription and Auto-Renewal Terms govern recurring authorization, renewal, cancellation, and post-cancellation recurring charges.
2.5 Transaction Terms and Creator Policies. Transaction Terms and properly incorporated Creator Policies may establish transaction-specific delivery, access, service, refund, and support terms, subject to higher-priority Textority terms and mandatory law.
2.6 Mandatory law and order of precedence. Nothing in this Policy overrides or waives a non-waivable right. The order of precedence stated in the Terms of Service applies.
3. PARTIES, ROLES, AND APPLICATION
3.1 Textority. Textority Inc. operates the Services and may receive, route, investigate, support, contest, accept, record, or otherwise administer a Payment Dispute to the extent the applicable transaction structure, Payment Provider configuration, and external process permit.
3.2 Creator. A Creator supplies, performs, delivers, and supports the Creator Offering and is responsible for Creator-specific obligations under the Terms of Service, Creator Terms, applicable Transaction Terms, and Creator Policies.
3.3 Transaction-specific commercial roles. The applicable checkout, Transaction Terms, order confirmation, receipt, Payment Terms, Payment Provider configuration, and law determine who is the contracting seller, merchant of record, payment recipient, settlement merchant, or other legally relevant participant for a Creator Offering transaction. This Policy does not designate Textority as merchant of record or contracting seller for every Creator Offering transaction.
3.4 Creator Team Members. A Creator Team Member may handle dispute-related activity only within assigned permissions. Assigned access does not by itself make the team member the Creator, seller, payment recipient, payout recipient, or person financially responsible for a disputed amount.
3.5 Guardians and Teen Users. A Payment Dispute relating to a purchase connected to a Teen User is handled consistently with the guardian and payer framework in the Terms of Service and applicable Transaction Terms. A Teen User does not become financially responsible merely by accessing a purchased offering.
3.6 Payment Providers and financial institutions. Payment Providers, issuers, acquiring banks, payment networks, wallet providers, and other financial institutions act under their own rules and agreements. Textority is not a User’s card issuer, bank, creditor, or deposit-account institution merely because Textority participates in a transaction.
4. ACCEPTANCE AND EXERCISING PAYMENT RIGHTS
4.1 Acceptance. This Policy applies where it is made available and identified as applicable to the relevant account, purchase, enrollment, or transaction in accordance with the Terms of Service.
4.2 Exercising a right is not new acceptance. Reporting a payment issue, requesting a Refund, cancelling a Subscription, reporting an unauthorized charge, contacting a financial institution, initiating a chargeback, submitting a Payment Dispute, complaining to a regulator, or exercising a statutory or contractual right does not by itself constitute new acceptance of this Policy and does not waive a right.
4.3 Existing terms remain applicable. Terms properly accepted for the relevant transaction continue to apply according to their terms, subject to mandatory law.
5. DEFINITIONS
Capitalized terms not defined here have the meanings given in the Terms of Service, Creator Terms, Payment Terms, Creator Payout Terms, Refund and Cancellation Policy, and Subscription and Auto-Renewal Terms.
“Payment Dispute” means a formal process through which a transaction is questioned, challenged, reversed, or reviewed through a card issuer, bank, Payment Provider, payment network, wallet, or other Payment Method participant. Depending on the Payment Method, it may be called a dispute, chargeback, claim, inquiry, retrieval request, payment reversal, or another term.
“Chargeback” means a Payment Dispute process under which a payment may be reversed or charged back under applicable provider, issuer, acquiring-bank, or payment-network rules. Not every Payment Dispute is technically a card-network chargeback.
“Disputed Amount” means the transaction amount, or portion of it, that is the subject of a Payment Dispute.
“Dispute Fee” means a fee or cost imposed by a Payment Provider, acquiring bank, payment network, or other third party in connection with a Payment Dispute.
“Dispute Evidence” means records reasonably relevant to a Payment Dispute, including transaction, authorization, delivery, access, service-performance, cancellation, refund, and communication records.
“Representment” means a response contesting a Payment Dispute by submitting evidence or information through an applicable external dispute process. Representment is not available for every Payment Method or dispute.
6. PAYMENT-DISPUTE ARCHITECTURE
6.1 External initiation. A Payment Dispute is ordinarily initiated by a payer or account holder through the applicable issuer, bank, Payment Provider, payment network, wallet, or other Payment Method process.
6.2 Textority’s authority varies. Depending on the transaction structure, Textority may have authority to respond directly, may act through a Payment Provider, may request information from a Creator, or may have no ability to control the external process.
6.3 No change in transaction roles. Opening, contesting, accepting, losing, or winning a Payment Dispute does not by itself change who was the contracting seller, supplier, payment recipient, merchant of record, or other participant in the original transaction.
6.4 No guaranteed result. Textority does not guarantee that a Payment Dispute will be prevented, withdrawn, won, lost, accepted, rejected, or resolved within a particular period.
6.5 Provider and network rules remain external. Provider, issuer, acquirer, network, and Payment Method rules govern their own dispute procedures and may change independently of this Policy.
7. REPORTING A PAYMENT ISSUE TO TEXTORITY
7.1 Reporting routes. A User may report a payment issue through the support or account routes Textority makes available, including hello@textority.com where appropriate.
7.2 Helpful information. Textority may request information reasonably necessary to identify and review the transaction, such as the transaction identifier, account email, date, amount, Creator Offering, Payment Method type, and description of the problem.
7.3 Sensitive credentials. A User should not send a full payment-card number, card verification value, bank password, online-banking credential, or account password to Textority when reporting a payment issue.
7.4 No promised response period. This Policy does not promise a universal support-response, investigation, evidence-review, or decision period.
7.5 Correction of Textority-controlled errors. Where Textority confirms an error within the scope Textority controls, Textority may correct the error through an appropriate Refund, reversal, credit, accounting adjustment, or other lawful action.
8. EXTERNAL PAYMENT RIGHTS AND FINANCIAL-INSTITUTION PROCESSES
8.1 Separate external rights. A User may have rights directly against or through a card issuer, bank, wallet provider, creditor, Payment Provider, or other financial institution under applicable law, account agreements, or Payment Method rules.
8.2 Textority does not replace issuer or bank procedures. Textority’s internal process does not replace a financial institution’s error-resolution or unauthorized-transaction process and does not make Textority the institution legally responsible for that process.
8.3 No waiver by contacting Textority. Contacting Textority, a Creator, or support does not by itself waive, delay, or eliminate an External Payment Right.
8.4 No legal adjudication by network outcome. A Payment Dispute outcome under provider or network rules does not necessarily decide every contractual, consumer, statutory, or other legal claim between the parties.
9. REFUNDS, CANCELLATIONS, REVERSALS, AND PAYMENT DISPUTES ARE DISTINCT
9.1 Refund. A Refund is a return of all or part of a transaction amount through the applicable refund process and is governed by the Refund and Cancellation Policy and Payment Terms.
9.2 Cancellation. A Cancellation stops future recurring charges or future performance according to its applicable effective date. Cancellation is not automatically a Refund or Payment Dispute.
9.3 Reversal. A reversal may be a provider, banking, network, statutory, or other payment movement that undoes all or part of a payment. A reversal is not necessarily a voluntary Refund.
9.4 Payment Dispute. A Payment Dispute is an external payment process and is not created merely because a User asks Textority or a Creator for a Refund.
9.5 Processes may overlap. More than one process may concern the same transaction, but accounting and remedies must be coordinated to prevent duplicate recovery.
10. NO TEXTORITY CONTACT-FIRST REQUIREMENT
10.1 No Textority-imposed exhaustion requirement. This Policy does not require a User to contact Textority or a Creator, request a Refund, or exhaust an internal remedy before exercising an External Payment Right.
10.2 Direct resolution may still help. Textority may encourage direct contact where a transaction issue can be resolved more quickly or with less cost, but direct contact is voluntary unless an applicable external process lawfully imposes its own requirement.
10.3 No retaliation. A User is not penalized merely for using a good-faith External Payment Right without first contacting Textority or the Creator.
11. DISPUTE CREATION, CLASSIFICATION, AND EXTERNAL REASON CODES
11.1 External classification. An issuer, Payment Provider, acquiring bank, payment network, wallet, or other participant may classify a Payment Dispute under its own categories, reason codes, rules, and evidence standards.
11.2 Internal classification. Textority may use internal categories such as unauthorized transaction, unrecognized transaction, duplicate charge, incorrect amount, refund not received, cancelled recurring charge, non-delivery, non-performance, or material misdescription to route a case and identify relevant records.
11.3 Internal classification is not binding externally. Textority’s internal category does not bind or replace an external participant’s classification and does not determine the outcome.
11.4 No frozen network codes. This Policy does not reproduce or adopt any current payment-network reason-code list as a permanent Textority rule.
12. UNAUTHORIZED, FRAUDULENT, OR UNRECOGNIZED TRANSACTIONS
12.1 Reporting. A User may report that a charge was unauthorized, fraudulent, or not recognized and may separately use any applicable External Payment Right.
12.2 Not an ordinary cancellation. An unauthorized-charge report is not merely a Subscription Cancellation, and a User is not required to cancel a Subscription as a condition to reporting a charge as unauthorized.
12.3 Reasonable review. Textority may review transaction, account, device, authentication, checkout, receipt, communication, delivery, and access information reasonably relevant to the report to the extent available and lawfully usable.
12.4 No automatic accusation. A disputed charge is not automatically treated as fraud, and a User who makes a good-faith report is not treated as dishonest merely because the claim does not succeed.
12.5 Textority-controlled error. A loss caused solely by a confirmed Textority-controlled billing or processing error is not allocated to a Creator merely because the transaction involved a Creator Offering.
13. DUPLICATE, INCORRECT-AMOUNT, CURRENCY, OR PROCESSING ERRORS
13.1 Duplicate charges. A duplicate charge may be corrected through a Refund, reversal, void, credit, or other appropriate adjustment when confirmed and when Textority or the applicable transaction participant has authority to correct it.
13.2 Incorrect amount or currency. A dispute about an amount or currency is reviewed against the checkout disclosures, authorization, Transaction Terms, receipt, Payment Provider records, taxes, fees, discounts, and currency-conversion information applicable to the transaction.
13.3 Pending versus duplicated charges. A pending authorization, temporary hold, or unsuccessful attempt is not necessarily a second completed charge. Provider and financial-institution records may be needed to distinguish them.
14. REFUND OR CREDIT NOT RECEIVED
14.1 Proof of refund. Where a User states that a promised Refund or credit was not received, relevant evidence may include the Refund record, provider reference, amount, destination, status, initiation date, failure or return status, and any replacement Refund.
14.2 Provider timing. A Refund may take additional time to appear after initiation because of Payment Provider, bank, card-network, or Payment Method processing. A displayed estimate is not a guarantee unless applicable law requires otherwise.
14.3 Failed or returned Refunds. A failed, rejected, returned, or reversed Refund is handled under the Refund and Cancellation Policy and Payment Terms.
15. CANCELLED, REVOKED, OR POST-CANCELLATION RECURRING CHARGES
15.1 Separate questions. Whether a Subscription was cancelled, whether payment authorization was revoked, whether a recurring charge was still validly due, and whether a charge was unauthorized are separate questions that may require different evidence.
15.2 Relevant evidence. Relevant evidence may include the recurring terms, affirmative consent, authorization record, notice history, cancellation request, Cancellation Effective Date, confirmation, account status, and charge timestamp.
15.3 Post-cancellation charge. A recurring charge submitted after Cancellation became effective, and that was not already validly incurred or independently authorized, may be treated as an erroneous or unauthorized charge under the Payment Terms, Refund and Cancellation Policy, applicable external procedures, and law.
15.4 Revocation rights. A User retains any non-waivable right under applicable law to stop or revoke covered recurring electronic payments through an appropriate financial institution or other responsible payment participant.
16. NON-DELIVERY OR NON-PERFORMANCE
16.1 Digital Content. Evidence concerning Digital Content may include the promised delivery method, access grant, delivery timestamp, access period, download or streaming availability, material technical failures, and support communications.
16.2 Creator Services. Evidence concerning a Creator Service may include scheduling records, attendance, communications, completion records, rescheduling, cancellation, and the scope of the promised service.
16.3 Creator responsibility. A Creator must not represent that an offering was delivered or performed when the Creator knows that it was not.
16.4 External standards may differ. A Payment Provider or network may apply its own non-delivery or non-performance standards, which may differ from Textority’s contractual terminology.
17. MATERIAL MISDESCRIPTION OR SERVICE-QUALITY DISPUTES
17.1 Material description evidence. Textority may review the offering description presented before purchase, Creator Policies, checkout terms, receipts, communications, and evidence of what was actually delivered or performed.
17.2 Quality disputes. Not every dissatisfaction or subjective quality concern creates a Refund or successful Payment Dispute. The applicable Transaction Terms, Creator Policies, mandatory law, and external payment rules determine the relevant standard.
17.3 No misrepresentation. A Creator may not fabricate, alter, or selectively present records in a way that materially misrepresents the offering or performance.
18. TEXTORITY REVIEW, TRIAGE, AND AUTHORITY
18.1 Operational review. Textority may review a Payment Dispute to identify the transaction, relevant parties, applicable terms, available evidence, provider deadline, potential accounting effect, and whether Textority has authority to respond.
18.2 No guaranteed representment. Textority is not required to contest every Payment Dispute and does not guarantee Representment merely because evidence exists.
18.3 Factors. Where Textority has discretion, factors may include the available evidence, expected external standard, amount, cost, fraud or compliance risk, Creator cooperation, provider requirements, prior Refund or credit activity, and mandatory law.
18.4 Good-faith correction. Textority may accept, not contest, settle, refund, or otherwise resolve a matter where doing so is appropriate and lawful.
19. CREATOR NOTICE, COOPERATION, AND EVIDENCE
19.1 Notice where appropriate. Where a Payment Dispute concerns a Creator Offering and Creator participation is reasonably necessary, Textority may notify the Creator or an authorized Creator Team Member.
19.2 Cooperation. A Creator must provide accurate, complete, and timely information reasonably requested to respond to the dispute, including records within the Creator’s possession or control.
19.3 Deadline communicated by Textority. Because external dispute deadlines can be short, the Creator must respond by the deadline stated in Textority’s request. Failure to respond may prevent Textority from contesting the Payment Dispute.
19.4 No guaranteed submission. Supplying evidence does not guarantee that Textority will submit all of it, that the provider will accept it, or that the Payment Dispute will be resolved in the Creator’s favor.
19.5 Creator recordkeeping. Creators are responsible for maintaining records reasonably necessary to substantiate offering descriptions, consent, delivery, access, performance, rescheduling, cancellations, Refunds, and communications as required by the Creator Terms and applicable law.
20. EVIDENCE PRINCIPLES
20.1 Relevance and accuracy. Evidence must be relevant, accurate, authentic, and not misleading.
20.2 Proportionality. Textority may request only information reasonably related to the issue and may omit irrelevant or excessive information from an external submission.
20.3 No fabricated evidence. Fabricating, altering, backdating, concealing, or knowingly mischaracterizing evidence is prohibited.
20.4 Privacy. Evidence handling must account for privacy, confidentiality, professional duties, and data-minimization requirements. A Creator may not submit unrelated sensitive information merely to strengthen a dispute response.
20.5 No privileged disclosure requirement. This Policy does not require a Creator to waive legal privilege or another legally protected confidentiality right. The Creator remains responsible for providing non-privileged evidence sufficient to support the Creator’s position where available.
21. TRANSACTION, CHECKOUT, AUTHORIZATION, AND CONSENT EVIDENCE
21.1 Relevant records. Depending on the dispute, relevant records may include checkout disclosures, price, currency, Transaction Terms, Creator Policies, acceptance timestamp, recurring authorization, account identifier, order confirmation, receipt, Payment Method record, device or technical information lawfully retained, and applicable term versions.
21.2 Recurring charges. For a recurring charge, evidence may include initial enrollment terms, affirmative consent, recurring authorization, renewal notices where required, material-term changes, renewed consent where required, and cancellation history.
21.3 Transaction descriptors. Receipt and statement-descriptor information may be used to address an unrecognized-charge claim where relevant.
22. DIGITAL CONTENT AND ACCESS EVIDENCE
22.1 Access evidence. For Digital Content, relevant records may include the date access was granted, access instructions, authentication activity, viewing or download records lawfully retained, access duration, expiration, suspension, and technical support history.
22.2 Limits. An access event does not automatically prove that all promised content was delivered, that the content matched its description, or that no Refund right exists.
22.3 Privacy-sensitive records. Access evidence is limited to what is reasonably necessary for the dispute and is handled subject to applicable privacy law and Textority privacy terms.
23. CREATOR SERVICE AND PERFORMANCE EVIDENCE
23.1 Scheduled services. Relevant evidence may include appointment confirmation, date and time, attendance, call or meeting logs, rescheduling, cancellation, no-show records, and service communications.
23.2 Professional services. Where the Creator Offering involves professional or regulated services, evidence must not falsely imply that Textority delivered the professional service or had a professional-client relationship that did not exist.
23.3 Confidential professional information. A Creator must consider professional confidentiality, privilege, sector-specific privacy rules, and other legal restrictions before providing service evidence.
24. REFUND, CANCELLATION, AND COMMUNICATION EVIDENCE
24.1 Refund records. Relevant Refund evidence may include the request, decision, amount, method, destination, provider reference, status, and communications.
24.2 Cancellation records. Relevant Cancellation evidence may include the request timestamp, method, effective date, confirmation, account status, and any valid charge already incurred before Cancellation became effective.
24.3 Communications. Relevant communications may include support messages, Creator-buyer communications, rescheduling communications, delivery notices, and acknowledgments, subject to applicable privacy and confidentiality limits.
25. CONTESTING, ACCEPTING, AND RESPONDING TO A PAYMENT DISPUTE
25.1 Contesting. Where Textority or the applicable transaction participant has authority to contest a Payment Dispute, a response may be submitted using reasonably relevant evidence within the available external process.
25.2 Accepting or not contesting. Textority may accept or decline to contest a Payment Dispute where it reasonably determines that contesting is unavailable, unsupported, uneconomic, inconsistent with the applicable terms, prohibited by provider rules, or inappropriate under law or the facts.
25.3 External deadlines. The applicable provider, issuer, acquirer, network, or Payment Method sets its own response deadlines. Textority may impose an earlier internal deadline on a Creator when reasonably necessary to prepare and submit a timely response.
25.4 No permanent deadline stated. This Policy does not establish a universal number of days for contesting a Payment Dispute because deadlines vary by provider, Payment Method, region, reason, and dispute stage.
25.5 Escalation stages. Some payment systems may offer inquiry, pre-dispute, representment, pre-arbitration, arbitration, appeal, or similar stages. Availability, terminology, cost, evidence, and authority are determined by the applicable external process.
25.6 Network arbitration is not Textority legal arbitration. Any payment-network arbitration or similar payment-industry process is separate from the legal dispute-resolution provisions in the Terms of Service.
26. INQUIRIES, EARLY WARNINGS, AND PRE-DISPUTE PROCESSES
26.1 Preliminary processes. Some Payment Providers or networks may send an inquiry, early fraud warning, retrieval request, pre-dispute notice, or similar communication before or instead of a formal Chargeback.
26.2 Action. Textority may investigate, request evidence, issue or facilitate a Refund where appropriate, or take other lawful action designed to resolve the issue before escalation.
26.3 No guaranteed prevention. Responding to an inquiry, warning, or pre-dispute process does not guarantee that a later Payment Dispute will be prevented.
27. FUNDS MOVEMENT, DISPUTE FEES, AND THIRD-PARTY COSTS
27.1 External debits or holds. A Payment Provider, acquiring bank, network, or other payment participant may debit, withhold, reserve, or otherwise adjust amounts when a Payment Dispute is opened or progresses under its rules.
27.2 Transaction-specific accounting. Which account or balance bears the Disputed Amount, a Dispute Fee, or another dispute-related cost depends on the transaction structure, provider configuration, Payment Terms, Creator Terms, Creator Payout Terms, Transaction Terms, and law.
27.3 No universal fee. This Policy does not establish a universal Chargeback or Dispute Fee. Any amount passed through or allocated to a Creator must be authorized by the governing terms, disclosed where required, and permitted by law.
27.4 Provider fees may not be refundable. An external dispute fee may remain payable even if the dispute is later withdrawn or won, depending on the provider’s rules. Textority does not promise recovery of a third-party fee it does not control.
28. CREATOR FINANCIAL RESPONSIBILITY
28.1 Allocation. A Creator is financially responsible for a Disputed Amount, Refund, reversal, Dispute Fee, or related loss only to the extent the Payment Terms, Creator Terms, Creator Payout Terms, Transaction Terms, provider configuration, or law allocate that amount to the Creator.
28.2 Creator-caused issues. Financial responsibility may be allocated to the Creator where the loss arises from the Creator’s non-delivery, material misdescription, failure to perform, prohibited activity, fraudulent conduct, inaccurate evidence, breach of Creator Policies, or another Creator obligation, to the extent permitted by the governing terms and law.
28.3 Textority-controlled errors. A loss caused solely by a confirmed Textority-controlled error is not shifted to the Creator merely because the transaction involved a Creator Offering.
28.4 Provider configuration matters. Provider rules may impose loss liability on a connected account, platform, merchant, or other participant depending on the configuration. This Policy does not override those external allocations.
29. REFUNDS DURING AN OPEN DISPUTE AND DOUBLE RECOVERY
29.1 Coordination. A Refund and an open Payment Dispute concerning the same amount must be coordinated to reduce the risk of duplicate recovery or inconsistent accounting.
29.2 Provider limitations. A Payment Provider may restrict or change the available refund process while a Payment Dispute is open. The available action depends on the Payment Method and provider rules.
29.3 No duplicate recovery. A User is not entitled to knowingly retain the same amount twice through a Refund, chargeback, reversal, provisional credit, statutory reversal, or other remedy.
29.4 Correction of duplication. If duplicate recovery occurs, the parties may make a lawful correction or accounting adjustment to restore the proper net amount, without imposing an unauthorized fee or eliminating a non-waivable right.
29.5 Good-faith overlap. The existence of overlapping processes does not by itself mean that a User acted improperly. Abuse requires conduct such as knowing misrepresentation, fabricated evidence, or intentional duplicate recovery.
30. DISPUTE OUTCOMES AND POST-OUTCOME ADJUSTMENTS
30.1 External outcome. The external participant administering the Payment Dispute determines the external outcome under its own rules.
30.2 Won, withdrawn, or reversed dispute. If funds are reinstated or an external dispute is withdrawn or resolved favorably, Textority may restore or adjust relevant Creator or transaction balances to the extent the applicable funds are actually returned and the governing terms require the adjustment.
30.3 Lost or upheld dispute. If a Payment Dispute is upheld against the applicable transaction participant, the Disputed Amount and permitted related costs may become final for payment-accounting purposes, subject to any remaining external or legal rights.
30.4 Later provider adjustment. A provider may later correct, reopen, reverse, or adjust a dispute outcome where its rules permit. Textority may make corresponding accounting adjustments where authorized.
30.5 Outcome does not resolve every claim. A provider or network outcome does not necessarily determine liability under every contract, consumer-protection law, professional obligation, or other legal rule.
31. NEGATIVE BALANCES, OFFSETS, RESERVES, AND HOLDS
31.1 Governing terms. Dispute-related negative balances, offsets, Reserves, Holds, delayed availability, and recovery are governed by the Payment Terms and Creator Payout Terms.
31.2 Provider action. A Payment Provider may create a reserve, debit an account, recover a negative balance, delay Payouts, or impose other risk controls under its own rules and the applicable account configuration.
31.3 Textority action. Textority may apply a Reserve, Hold, offset, or other accounting control only to the extent the governing Textority terms permit and the action is lawful and proportionate.
31.4 No universal percentage or duration. This Policy states no fixed reserve percentage, Hold period, recovery schedule, or negative-balance threshold.
32. ACCESS, SERVICE, AND ACCOUNT STATUS DURING A DISPUTE
32.1 No automatic suspension for a good-faith dispute. A good-faith Payment Dispute does not by itself require suspension or termination of a User or Creator account.
32.2 Transaction-specific access. Access to a disputed Creator Offering may be modified where a Refund, reversal, chargeback, nonpayment, fraud finding, or other valid ground makes continued access inconsistent with the applicable Transaction Terms or law.
32.3 Risk and compliance action. Textority may restrict payment functionality, Payouts, a Creator Offering, or an account where independently authorized by the Terms of Service, Payment Terms, Creator Terms, provider requirements, fraud prevention needs, sanctions obligations, legal process, or safety rules.
32.4 Proportionality. Textority will not use account restrictions solely to retaliate against a User for a good-faith Payment Dispute.
33. FRAUD, ABUSE, FALSE CLAIMS, AND GOOD-FAITH RIGHTS
33.1 Prohibited abuse. A User may not knowingly submit a false unauthorized-charge claim, fabricate non-delivery, alter evidence, use a stolen Payment Method, coordinate fraudulent disputes, or intentionally seek duplicate recovery.
33.2 Creator abuse. A Creator or Creator Team Member may not fabricate delivery, access, authorization, cancellation, performance, or communication evidence or direct another person to do so.
33.3 Good-faith disputes protected. A good-faith Payment Dispute, chargeback, Refund request, unauthorized-charge report, consumer complaint, regulatory complaint, or exercise of a statutory right does not by itself constitute abuse, even if the claim is ultimately unsuccessful.
33.4 Investigation and enforcement. Suspected abuse may be investigated and may result in action permitted by the Terms of Service, Creator Terms, Payment Terms, provider rules, and applicable law.
33.5 No retaliation. Textority does not retaliate against a person merely for exercising a good-faith payment or consumer right.
34. RECORDS, PRIVACY, AND SECURITY
34.1 Dispute records. Textority may maintain records reasonably relevant to a Payment Dispute, including transaction identifiers, dispute identifiers, amounts, currencies, applicable terms, evidence, deadlines, submissions, communications, outcomes, funds movement, fees, and accounting adjustments.
34.2 Accuracy and correction. Textority may correct identified record errors and may rely on Payment Provider, financial-institution, system, transaction, and communication records reasonably relevant to the matter.
34.3 Data minimization. Dispute records and evidence are limited to information reasonably necessary for the applicable operational, legal, accounting, fraud-prevention, or compliance purpose.
34.4 Sensitive payment information. Textority does not require Users or Creators to send full card numbers, card verification values, bank passwords, or account passwords as dispute evidence.
34.5 Retention. Records are retained in accordance with applicable law, legal obligations, fraud and dispute needs, and applicable Textority privacy and retention terms. This Policy states no universal numerical retention period.
34.6 No unsupported security promise. This Policy does not represent that dispute records are end-to-end encrypted, immune from unauthorized access, or subject to a certification or security control not otherwise verified and disclosed by Textority.
35. UNITED STATES PAYMENT AND BILLING-ERROR RIGHTS
35.1 Financial-institution rights remain separate. Depending on the Payment Method and account type, U.S. consumers may have rights under the Electronic Fund Transfer Act, Regulation E, the Truth in Lending Act, Regulation Z, card-network rules, issuer agreements, or other law. Those rights are administered by the institution or participant to which the applicable law assigns the obligation.
35.2 Debit and electronic fund transfers. Regulation E includes procedures for certain unauthorized or incorrect electronic fund transfers and other covered errors. Textority does not replace the financial institution responsible for those procedures.
35.3 Credit-card billing errors. Regulation Z includes billing-error procedures for covered open-end credit accounts, including certain unauthorized charges, failures to credit, and certain non-delivery disputes. Textority does not become the creditor or card issuer merely because a Textority transaction appears on the account.
35.4 No Textority-imposed merchant-contact prerequisite. This Policy does not require a U.S. consumer to contact Textority or a Creator before giving a covered billing-error notice to the responsible creditor or exercising another non-waivable financial-institution right.
35.5 Applicable deadlines are external. Consumers should follow the deadlines and procedures provided by their financial institution and applicable law. Textority does not restate those external deadlines as contractual limitations on a User’s rights.
36. COLOMBIA PAYMENT REVERSAL, CONTRACARGOS, AND PERIODIC PAYMENTS
36.1 Statutory reversal is distinct. A statutory payment reversal under Colombian consumer law is separate from a voluntary Refund and may also be distinct from a card-network contracargo.
36.2 Article 51 reversal. Where Article 51 of Law 1480 of 2011 and its implementing rules apply to an electronic-commerce transaction paid with an electronic payment instrument, a consumer may have a statutory reversal right for circumstances including fraud, an unauthorized transaction, non-receipt, material nonconformity, or defect.
36.3 Procedure. The statutory procedure may require a complaint to the provider and notice to the issuer of the electronic payment instrument within five (5) business days of the legally specified event, together with the information required by law.
36.4 Processing period. Where the statutory reversal procedure applies and its requirements are satisfied, the participants in the payment process are subject to the period established by applicable law, including the fifteen (15) business-day period in Decree 587 of 2016 for making the reversal effective.
36.5 Periodic electronic payments. Colombian law also provides rights concerning previously authorized periodic electronic payments, including procedures to revoke future debits and, in specified circumstances, request reversal of a periodic payment. Those statutory procedures apply according to their own requirements and time limits.
36.6 Wompi and other provider rules. If Wompi or another Payment Provider is used, its current merchant, acquiring, evidence, contracargo, reversal, and settlement rules may impose additional operational requirements or financial consequences on the relevant merchant or account holder. Textority does not convert those provider rules into universal Textority terms for transactions using a different configuration.
36.7 Mandatory rights preserved. Nothing in this Policy limits a Colombian consumer right that cannot lawfully be waived.
37. REGIONAL, PAYMENT-METHOD, PROVIDER, AND NETWORK DIFFERENCES
37.1 Payment Methods differ. Card, bank debit, wallet, local payment method, and other dispute processes can use different terminology, stages, evidence standards, financial consequences, and deadlines.
37.2 Provider configuration matters. The party responsible for the disputed amount, negative balance, refund, fee, evidence response, or settlement may differ by Payment Provider and configuration.
37.3 Mandatory local law controls. Where mandatory local law grants a broader right or imposes a specific procedure, that law controls for the covered transaction.
37.4 No enablement by mention. Mentioning a Payment Provider, Payment Method, country, network, or dispute process does not mean Textority currently supports or has enabled it.
37.5 No approval claim. Nothing in this Policy states or implies that a regulator, issuer, acquiring bank, Payment Provider, or payment network has approved Textority’s business model, payment architecture, or Creator Offering categories.
38. CHANGES AND DISPUTE RESOLUTION
38.1 Changes to this Policy. Textority may update this Policy prospectively in accordance with the Terms of Service.
38.2 Material changes. A material change receives the notice or affirmative acceptance required by the Terms of Service, applicable Transaction Terms, or law.
38.3 Existing transactions. A change to this Policy does not retroactively alter a completed transaction or eliminate a non-waivable payment or consumer right.
38.4 Legal disputes. Section 29 of the Terms of Service governs legal disputes between a User and Textority, including the arbitration agreement, class action waiver, jury trial waiver, arbitration opt-out, governing law, and applicable exceptions.
38.5 External payment processes are separate. A Payment Dispute, provider arbitration, network arbitration, or financial-institution error-resolution process is not the legal arbitration process described in Section 29 of the Terms of Service.
39. CONTACT
Textority Inc.
10101 SW 27th Ter
Miami, FL 33165
United States
General and legal: hello@textority.com
Website: textority.com
© 2026 Textority Inc. All rights reserved.