11Automatic Completion and Release
If the applicable inspection period expires without a qualifying dispute, FINTACLOUD may automatically mark the transaction as completed and instruct the applicable Payment Provider to release or settle the transaction proceeds. The Seller will receive the amount remaining after applicable FINTACLOUD fees, payment-processing charges, taxes, refunds, reserves, or other authorized deductions.
A transaction marked as completed within FINTACLOUD is generally considered final for purposes of the FINTACLOUD transaction workflow. However, completion does not prevent or override:
legally valid chargebacks; payment-network requirements; Payment Provider reversals; unauthorized-payment claims; fraud investigations; regulatory action; court orders; or rights that cannot legally be waived.
12Disputes
A Buyer may initiate a dispute within the applicable inspection period when the Buyer reasonably believes that the Seller has failed to comply materially with the agreed transaction terms. Examples may include:
item not received; incorrect item; materially damaged goods; materially different goods; suspected counterfeit goods; missing material components; quantity discrepancies; or another substantial failure to deliver what was agreed.
FINTACLOUD may temporarily prevent settlement while a dispute is reviewed. Both parties may be required to provide supporting evidence. FINTACLOUD may consider evidence submitted by either party and information available through the Platform or third-party service providers.
14Fraudulent or Abusive Disputes
Users must not knowingly submit false, fabricated, manipulated, or misleading evidence. Users must not initiate disputes for the purpose of obtaining goods without payment, extorting another user, manipulating settlement, or abusing the FINTACLOUD protection system. Where FINTACLOUD reasonably determines that a user has intentionally engaged in fraudulent dispute activity, FINTACLOUD may:
deny the claim; release eligible funds where permitted; suspend or terminate the account; restrict future transaction functionality; require additional verification; preserve relevant records; seek reimbursement for documented losses where legally permitted; and report suspected criminal activity to appropriate authorities where required or justified.
FINTACLOUD will not automatically debit an additional penalty from a payment card unless the charge has been separately authorized and is permitted by applicable law and Payment Provider rules.
15Refunds, Reversals and Chargebacks
Refunds may be issued where:
the parties mutually agree; FINTACLOUD determines that a Buyer is entitled to a refund under the applicable transaction rules; the Seller cancels the transaction; delivery cannot reasonably be completed; a Payment Provider requires a refund or reversal; the payment is unauthorized or fraudulent; or applicable law requires repayment.
FINTACLOUD cannot guarantee that a completed transaction will never be reversed. Banks, card networks, Payment Providers, regulators, or courts may have independent authority to initiate or require reversals, freezes, chargebacks, refunds, or other corrective actions. Where a chargeback or reversal affects a Seller's transaction, FINTACLOUD may deduct the relevant amount from available Seller balances or take other reasonable recovery measures permitted by law.