Refund Policy

I - General Refund Policy

Card Transactions

Transactions made with your InfluX card are processed through Visa's payment network and are subject to the refund policies of the merchants where you make purchases. InfluX does not directly control merchant refund policies.

When a merchant issues a refund for a purchase made with your InfluX card:

• The refund will be processed back to your InfluX card account
• Refunds typically appear in your account within 5-10 business days
• The original rewards or cashback earned on the transaction may be reversed
• If rewards were already credited and spent, they may be deducted from your account balance

Merchant Disputes

If you have a dispute with a merchant regarding a purchase:

• Contact the merchant directly first to resolve the issue
• If the merchant agrees to a refund, they will process it according to their policy
• If you cannot resolve the issue with the merchant, you may file a chargeback through Visa's dispute process
• InfluX can assist with chargeback requests but cannot guarantee the outcome

II - Service Fees and Charges

Account Fees

InfluX may charge certain fees for account maintenance, card issuance, or premium services. These fees are generally non-refundable unless:

• The fee was charged in error
• You cancel a service within the applicable cancellation period
• We determine, in our sole discretion, that a refund is warranted

Premium Services

If you purchase premium services or features:

• Refunds may be available if you cancel within 30 days of purchase
• Refunds will be prorated based on the unused portion of the service
• Some premium services may have specific refund terms disclosed at the time of purchase

III - Rewards and Cashback

Reward Reversals

Rewards and cashback may be reversed or adjusted in the following circumstances:

• Transaction Refunds: If a merchant refunds a purchase, any rewards earned on that transaction will be reversed
• Fraudulent Activity: Rewards earned through fraudulent transactions will be reversed
• Policy Violations: Rewards may be reversed if you violate our Terms of Use or community guidelines
• Account Closure: Pending rewards may be forfeited upon account closure
• Ineligibility: If you no longer meet influencer eligibility requirements, pending rewards may be forfeited

Reward Disputes

If you believe rewards were incorrectly calculated or reversed:

• Contact our support team within 30 days of the transaction or reversal
• Provide documentation supporting your claim
• We will review your case and respond within 10 business days
• Our decision regarding reward disputes is final

Reward Expiration

Rewards that expire are not refundable. We will make reasonable efforts to notify you before rewards expire, but it is your responsibility to use rewards before expiration.

IV - Chargebacks

What is a Chargeback?

A chargeback is a reversal of a card transaction initiated by the cardholder through their issuing bank. Chargebacks can occur for various reasons, including:

• Unauthorized transactions
• Merchant disputes
• Processing errors
• Fraudulent activity

Chargeback Process

Chargeback Fees

Chargebacks may be subject to processing fees charged by Visa or our payment processors. These fees are typically non-refundable, even if the chargeback is successful.

Chargeback Limitations

Chargebacks must be filed within the timeframes specified by Visa and applicable regulations, typically within 120 days of the transaction date. We cannot process chargebacks outside of these timeframes.

V - Account Cancellation

Voluntary Cancellation

You may cancel your InfluX account at any time by contacting our support team or using the account deletion feature in your account settings.

Upon account cancellation:

• Your card will be deactivated immediately
• Any remaining card balance will be refunded to you within 30 business days
• Pending rewards may be forfeited
• Your account data will be retained according to our Privacy Policy and legal requirements

Involuntary Cancellation

InfluX may cancel your account if:

• You violate our Terms of Use
• You engage in fraudulent activity
• You no longer meet eligibility requirements
• We are required to do so by law or regulation

In cases of involuntary cancellation due to policy violations or fraud, refunds may not be available, and any remaining balance may be held pending investigation.

VI - Refund Processing

Processing Time

Refund processing times vary depending on the type of refund:

• Merchant Refunds: 5-10 business days
• Account Balance Refunds: 10-30 business days
• Chargebacks: 30-90 business days
• Fee Refunds: 5-15 business days

Processing times may be longer during peak periods or if additional verification is required.

Refund Method

Refunds will be processed using the same payment method used for the original transaction, when possible. If that method is no longer available, we will work with you to arrange an alternative refund method.

Currency and Exchange Rates

Refunds will be processed in the same currency as the original transaction. If currency conversion occurred, exchange rates at the time of refund may differ from the original transaction, and you may receive a different amount than originally charged.

VII - Non-Refundable Items

The following items are generally non-refundable:

• Rewards and cashback that have been earned and spent
• Expired rewards
• Fees charged for account maintenance or services already rendered
• Transactions completed more than 120 days ago (subject to chargeback limitations)
• Digital goods or services that have been delivered or consumed
• Rewards forfeited due to policy violations

VIII - Special Circumstances

Fraudulent Transactions

If you report a fraudulent transaction:

• We will investigate the transaction immediately
• Your card may be temporarily suspended during the investigation
• If fraud is confirmed, we will reverse the transaction and restore your account
• You are not liable for unauthorized transactions reported promptly

Merchant Bankruptcy or Closure

If a merchant goes out of business or declares bankruptcy before processing your refund:

• We will assist you in filing a chargeback if applicable
• However, we cannot guarantee recovery of funds
• You may need to file a claim with the merchant's bankruptcy estate

Force Majeure

InfluX is not responsible for delays in refund processing due to circumstances beyond our reasonable control, including natural disasters, pandemics, government actions, or payment processor outages.

IX - Requesting a Refund

How to Request a Refund

To request a refund:

• Contact our support team at support@influx.com
• Include your account information and transaction details
• Provide any relevant documentation or evidence
• Clearly explain the reason for your refund request

Required Information

When requesting a refund, please provide:

• Your account email or username
• Transaction date and amount
• Merchant name and location
• Reason for the refund request
• Any supporting documentation (receipts, correspondence, etc.)

Refund Review Process

All refund requests are reviewed on a case-by-case basis. We will:

• Acknowledge your request within 2 business days
• Review your request and any supporting documentation
• Contact you if additional information is needed
• Provide a decision within 10 business days
• Process approved refunds according to our standard timelines

X - Disputes and Appeals

Disputing a Refund Decision

If you disagree with a refund decision:

• You may request a review by our management team
• Provide any additional information or documentation
• We will conduct a secondary review
• Our decision after review is final

Regulatory Complaints

If you are not satisfied with our resolution, you may file a complaint with:

• Your local consumer protection agency
• Financial services regulatory authorities in your jurisdiction
• Visa's dispute resolution process (for card-related issues)

XI - Contact Information

For refund requests, questions, or concerns about this Refund Policy, please contact us:

InfluX Customer Support
113 - 10 Highwater Path
Winnipeg, MB R2R 2Z4
Canada
Email: support@influx.com
Phone: Available through your account dashboard

Hours of Operation: Monday - Friday, 9:00 AM - 5:00 PM Central Time

XII - Policy Updates

We may update this Refund Policy from time to time to reflect changes in our practices, services, or legal requirements. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending an email notification to your registered email address
• Updating the "Last Updated" date at the top of this policy

Your continued use of our Services after changes are posted constitutes acceptance of the updated policy.