Refund, Dispute & Chargeback Policy

This Policy explains how refunds, disputes, and chargebacks are handled on the Services provided by Harmoney Financial Technologies, Inc. (“Harmoney”). It supplements the Terms of Service and is required by Stripe as our payment-processing partner. Capitalized terms not defined here have the meanings given in the Terms of Service.

1. TWO TYPES OF TRANSACTIONS

Refunds and disputes work differently depending on transaction type:

1.1 Direct Harmoney purchases.

Purchases of Harmoney products or services directly from Harmoney (e.g., purchase of a TapCard from inharmoney.xyz, subscription to a Harmoney platform tier). This Policy governs such purchases.

1.2 Platform transactions.

Payments processed through the Services between a merchant and its customer (e.g., a Posh organizer accepting payment from an attendee via a Harmoney-issued TapCard). The merchant is the counterparty of record. The merchant, not Harmoney, is responsible for refund and dispute policies for platform transactions. Harmoney facilitates processing on the merchant’s Stripe Connected Account.

2. DIRECT HARMONEY PURCHASES

2.1 TapCard hardware.

Unactivated TapCards may be returned within thirty (30) days of delivery for a full refund, provided the packaging is intact and the card has not been activated. Return shipping is the customer’s responsibility unless the item was defective on arrival.

2.2 Defective or damaged units.

Report defects within thirty (30) days of delivery to support@inharmoney.xyz. Harmoney will replace or refund defective units at its option.

2.3 Software and subscriptions.

Subscription fees are generally non-refundable except

• (a) where required by law or
• (b) at Harmoney’s discretion in cases of service failure. If we make a material adverse change to a subscription you have prepaid, you may cancel and receive a pro-rated refund for the unused period.

2.4 Fees.

Transaction fees, dispute fees, and third-party fees passed through from Stripe, Plaid, banks, or card networks are non-refundable.

2.5 How to request a refund.

Email support@inharmoney.xyz with your order number and reason. We aim to respond within five (5) business days. Approved refunds are issued to the original payment method and may take five to ten (5–10) business days to appear.

3. PLATFORM TRANSACTIONS (BETWEEN MERCHANTS AND CUSTOMERS)

3.1 Merchant refund policies.

Each merchant using the Services must maintain and prominently display its own refund and cancellation policy. If you are a customer of a merchant, contact the merchant directly for refund requests.

3.2 Merchant responsibilities.

Merchants are contractually and financially responsible for:

• (a) fulfilling goods and services as represented;
• (b) issuing refunds according to their published policy and applicable law;
• (c) responding timely to disputes and chargebacks;
• (d) covering all chargeback amounts, fines, and fees;
• (e) maintaining chargeback ratios within card-network thresholds. Harmoney and Stripe may impose reserves, holds, delayed payouts, or termination on merchants whose chargeback or dispute activity exceeds acceptable levels.

3.3 Customer options.

If you paid a merchant using the Services and cannot resolve an issue with the merchant, you may:

• (a) dispute the charge with your card issuer or bank (“chargeback”);
• (b) contact support@inharmoney.xyz — while Harmoney is not the counterparty to the transaction and generally cannot force a merchant refund, we can provide transaction records and coordinate with Stripe.

4. CHARGEBACKS

4.1 Definition.

A chargeback is a reversal of a card transaction initiated by the cardholder’s issuing bank, typically alleging unauthorized use, non-delivery, or dissatisfaction.

4.2 Notification.

When a chargeback is filed against a transaction processed through your Harmoney/Stripe Connected Account, we notify you through the Harmoney dashboard and email.

4.3 Response window.

You typically have seven to ten (7–10) calendar days to submit evidence contesting the chargeback, depending on the card network. Failure to respond in time results in an automatic loss.

4.4 Evidence.

Useful evidence includes proof of delivery, communications with the customer, receipts, refund records, and terms accepted at purchase. Submit through the Stripe dashboard or the Harmoney application.

4.5 Financial responsibility.

You are financially responsible for the full transaction amount, chargeback fee, and any additional fines. Harmoney may debit your account, offset against future payouts, or invoice you.

4.6 Excessive chargebacks.

Card networks impose thresholds (typically about 1% of transactions or 100 chargebacks per month, whichever is lower). Exceeding thresholds may trigger monitoring programs, fines, reserves, or termination.

5. ACH RETURNS AND REVERSALS ACH debits and credits are subject to Nacha rules,

6. DISPUTE RESOLUTION WITH HARMONEY

If you have a dispute with Harmoney itself (as opposed to a merchant), Section 18 of the Terms of Service governs — informal resolution, followed by binding arbitration.

7. FRAUD

If you suspect a fraudulent transaction on your account, contact support@inharmoney.xyz immediately and dispute the charge with your card issuer or bank. Prompt reporting is important to preserve your rights under Regulation E and card-network zero-liability programs.

8. CHANGES

Harmoney may update this Policy from time to time. Material changes will be posted at inharmoney.xyz/refunds with a revised “Last Updated” date.

9. CONTACT

Harmoney Financial Technologies, Inc. Support, disputes, and security: support@inharmoney.xyz General & legal inquiries: info@inharmoney.xyz Website: inharmoney.xyz