Refund & Dispute Policy

1. Scope

This draft policy covers transactions between independent buyers and sellers on UR FINDS™, operated by H E SECURES LLC, doing business as UR FINDS™. Each sale is between the buyer and seller; payments are processed through Stripe. Buyer-versus-seller marketplace complaints are distinct from disputes between a user and UR FINDS™ governed by the Terms' arbitration provision. Payments currently remain TEST MODE; no real money is charged.

2. When a transaction becomes binding

An accepted offer or counteroffer creates a Sale Agreed commitment, not proof of payment. For purposes of completing the marketplace purchase, the sale becomes binding upon successful payment verified through Stripe and is marked Paid. Acceptance alone does not mean payment has occurred.

3. Delivery and handover

The seller remains responsible for the item until the buyer receives or takes possession of it. UR FINDS™ does not provide shipping services, shipping labels, shipping insurance or carrier guarantees. Buyers and sellers independently arrange delivery or pickup. If users arrange third-party shipping, UR FINDS™ is not the carrier.

Reasonable evidence of receipt may include buyer confirmation, independently arranged carrier delivery confirmation, tracking information where applicable, documented in-person handover, or other reliable evidence reasonably demonstrating receipt. Users are not required to photograph themselves.

4. Seller responsibilities

Sellers must describe items accurately, hand over or deliver the item as agreed, respond to buyer concerns in good faith, and provide information requested in a dispute.

5. Buyer responsibilities

Buyers must pay through UR FINDS™, review listings and photos before offering, arrange pickup or delivery as agreed, inspect items promptly, and raise problems within the required time.

6. Item not as described, counterfeit or fraud

Eligible item problems include an item materially not as described, a counterfeit item, a fraudulent transaction, a wrong item received, or material damage or a defect not properly disclosed before purchase. Buyer remorse alone is not an automatic refund ground.

Report an eligible item problem to UR FINDS™ at ufindwebuy@gmail.com within 3 calendar days after receiving or taking possession of the item. You may also contact the seller, but doing so does not extend that reporting period or require waiting before reporting to UR FINDS™. This deadline and the refund limitations do not override rights or remedies that cannot legally be waived. Professional legal review required: refund grounds, reporting deadline and refund limitations.

7. Damaged or missing items

The seller bears responsibility for loss or damage until the buyer receives or takes possession of the item, including where users independently arrange a carrier. UR FINDS™ is not the carrier and does not provide shipping insurance or carrier guarantees. Claims will be reviewed using reliable evidence of the item's condition and receipt.

8. Cancellations

Before successful payment, either buyer or seller may cancel. UR FINDS™ may cancel or expire an unpaid Sale Agreed transaction after 24 hours without payment. This does not state that automatic 24-hour expiration exists. Send cancellation requests to ufindwebuy@gmail.com; no in-app cancellation feature is promised.

After payment but before handover or receipt, the seller may cancel. If the seller cancels, the buyer is entitled to a full refund of the applicable purchase amount, subject to actual payment/refund processing.

After successful payment, a buyer has no automatic change-of-mind cancellation right. A buyer may receive a refund if the seller agrees, the transaction qualifies under this policy, or applicable law requires it. These limitations do not override nonwaivable rights.

9. Refunds

Approved refunds are processed manually through Stripe by UR FINDS™ staff, not automatically or from an in-app refund button. Final administrative approval rests with the owner or an authorized UR FINDS™ administrator. Refunds are sent to the original payment method, subject to actual processing and payment-method availability. Stripe, financial institutions and card networks control when funds appear.

Partial refunds are allowed where buyer and seller agree or UR FINDS™ determines one is appropriate through its dispute process, subject to final administrative approval. This policy does not claim automated partial refunds or a distinct partially-refunded status in the app. The current app records supported refund notifications as Refunded; consult the actual Stripe refund and support confirmation for the amount refunded.

10. Platform fee and seller payouts

The platform service fee is 10% of the applicable completed transaction amount. Payouts follow Stripe's applicable schedule and account eligibility; UR FINDS™ does not guarantee a date controlled by Stripe, financial institutions, verification requirements, disputes, holds or law. Payments and the existing fee remain TEST MODE until separately authorized live activation.

Platform-fee treatment depends on the reason for a refund. The fee may be refunded when the seller cancels after payment, the seller is responsible for a valid materially-not-as-described claim, a counterfeit/fraud determination is made against the seller, UR FINDS™ determines refunding the fee is appropriate, or applicable law requires it. There is no promise of automatic platform-fee refunds for buyer-remorse cancellations. Required refunds under applicable law remain mandatory.

Purchase refunds and any platform-fee refunds currently require manual Stripe processing and administrative approval; they are not automatic. If the seller has already been paid, refund or dispute amounts may be recovered from the seller's Stripe balance or future payouts under applicable Stripe rules. Professional legal review required: platform-fee treatment and refund limitations.

11. Card disputes and chargebacks

A buyer may dispute a charge with their card issuer. Disputes are handled through Stripe's dispute process, and the sale shows as Disputed while it is open. We may ask the seller for evidence. The card issuer makes the final decision. We encourage buyers to contact us first so we can try to resolve the issue.

12. Evidence you may need

Useful evidence includes the listing and item photos, photos or video of the item received where reasonably available, communications between parties, buyer confirmation of receipt, carrier confirmation/tracking where independently arranged, documented handover or other reliable receipt evidence. An independent expert opinion may help with authenticity concerns; UR FINDS™ does not authenticate or certify merchandise. No one must photograph themselves.

13. Duplicate or unauthorized charges

If you were charged twice for the same sale or see a charge you did not authorize, contact us immediately. Confirmed duplicate charges are refunded. For unauthorized use of your card, also contact your card issuer.

14. Abuse

False claims, repeated unjustified disputes, or returning a different item than the one received may lead to denial of the claim and account restriction.

15. Timelines

Buyer reporting deadline: 3 calendar days after receiving or taking possession of the item, without limiting nonwaivable rights. Seller response deadline: 3 calendar days after receiving notice of the buyer's complaint.

UR FINDS™ aims to make an initial decision within 7 business days after receiving the information reasonably necessary from the parties. This is a target, not a guarantee of resolution within exactly 7 business days. Additional evidence, complex issues or external processing may take longer.

16. How to contact us

Email ufindwebuy@gmail.com with transaction details, the problem and available evidence. If dissatisfied, reply requesting escalation for final internal review by the owner or an authorized UR FINDS™ administrator. This internal review does not replace nonwaivable legal rights, card-issuer rights or the separate user-versus-UR FINDS™ dispute terms.

Questions about this policy can be sent to ufindwebuy@gmail.com or by mail to H E SECURES LLC, doing business as UR FINDS™, 11536 Clover Knoll Dr, Frisco, TX 75035.

Effective Date: Pending Final Publication. This draft is not in effect and does not require user acceptance.