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Chargeback Fraud Mitigation Policy
This document is an e-variant of a policy that determines and regulates the approach of "mariya-club.com" to chargeback prevention, fraud mitigation, and dispute handling.
mariya-club.com is committed to preventing fraudulent transactions, minimizing chargebacks, and maintaining a secure payment environment for all users.
1. Purpose of the Policy
The purpose of this Policy is to:
- prevent fraudulent transactions;
- reduce chargeback rates;
- ensure secure and transparent payment processing;
- protect both users and the platform from financial abuse.
2. Scope
This Policy applies to:
- all transactions made on mariya-club.com;
- all users of the Site;
- all payment methods and billing systems used on the platform.
3. Fraud Prevention Measures
We implement the following measures:
- use of secure payment providers with built-in fraud detection;
- monitoring of suspicious payment activity;
- verification of user identity where necessary;
- limitation or blocking of suspicious transactions.
4. Identity Verification
To ensure transaction security, we may require:
- verification of identity documents;
- confirmation of payment details;
- additional verification steps in case of suspicious activity.
Failure to provide verification may result in suspension of the account.
5. Transaction Monitoring
We continuously monitor transactions for:
- unusual payment patterns;
- multiple transactions in a short period;
- mismatched account and payment information;
- high-risk geographic or behavioral indicators.
Suspicious activity may lead to temporary or permanent restrictions.
6. Chargeback Prevention
To reduce chargebacks, we:
- clearly describe services and pricing before purchase;
- provide transparent billing descriptors;
- maintain accessible customer support;
- handle user complaints promptly.
7. User Responsibilities
Users are responsible for:
- ensuring that all payments are authorized;
- keeping their account and payment information secure;
- reviewing transactions before completing payments;
- contacting support before initiating a chargeback.
8. Handling Chargebacks
If a chargeback is initiated:
- we will investigate the transaction;
- we may provide evidence to the payment provider;
- the user account may be temporarily suspended during investigation.
9. Consequences of Fraudulent Chargebacks
If a chargeback is determined to be fraudulent or abusive:
- the user account may be permanently suspended;
- access to services may be restricted;
- further transactions may be blocked;
- legal actions may be considered where applicable.
10. Refund vs Chargeback
Users are encouraged to:
- contact support before initiating a chargeback;
- resolve disputes through our Refund Policy.
Chargebacks initiated without prior contact may be treated as abuse.
11. Data Protection
All payment and user data is handled in accordance with our Privacy Policy and applicable data protection laws.
12. Contact
For any payment-related issues or disputes, users must contact:
Email: support@mariya-club.com Email: info@mariya-club.com
13. Updates to this Policy
We reserve the right to modify this Policy at any time.
Changes take effect upon publication on mariya-club.com.
