Chargeback policy.

A chargeback happens when a cardholder or payment account holder disputes a payment through their bank, card issuer, or payment provider.

Chargebacks are handled through payment provider and card network rules. Vyralizer may not control the timing, fees, evidence process, or outcome.

When a chargeback or payment dispute happens, Vyralizer may immediately pause the related Share Request, payment records, unused budget, Promoter withdrawals, Vyralizer fee recognition, refunds, and related account activity.

A chargeback can affect money that otherwise looked available.

Vyralizer may hold Promoter money if the money is tied to a disputed payment and has not yet been withdrawn.

Vyralizer may hold unused Advertiser budget while the disputed payment is reviewed.

Vyralizer may hold or reverse Vyralizer fee recognition tied to the disputed payment until the issue is resolved.

Payment providers may charge dispute or chargeback fees. Those fees may be non-refundable.

If a payment is reversed, Vyralizer records the lost funding and related Stripe costs, holds affected Available budget and withdrawals, and may recover amounts from related balances when allowed by law, payment provider rules, and platform policies.

A chargeback does not silently change an estimate into an exact amount. Gross payment, actual Stripe fees, prior budget use, held money, and the resulting balance must be reconciled from provider records.

Advertisers should contact Vyralizer support before filing a chargeback so the issue can be reviewed through the platform.

Filing a chargeback after receiving approved sharing may cause account holds, Share Request closure, refund denial, withdrawal holds, or other review.

Promoters should understand that chargebacks, fraud flags, payment disputes, or account risk can delay availability or withdrawal of related money.

Vyralizer may use Share Request records, proof records, timestamps, support messages, approval records, refund records, withdrawal records, and account history as dispute evidence.

This plain-English policy is subject to attorney, accounting, and payment review before live public payments or final legal reliance.