Refund Policy
Last updated: September 2025
This Policy explains when and how refunds apply on Boble — both for Merchant subscriptions paid to Boble, and for Buyer purchases made through Merchants’ Boble-powered stores.
1. Overview
Refunds on the Boble platform fall into two distinct categories:
• Merchant Subscription Refunds: When Merchants pay Boble for platform access (subscription fees, add-ons, platform transaction fees).
• Buyer Purchase Refunds: When Buyers purchase digital products, subscriptions, or community access from a Merchant’s Boble-powered store.
The terms below describe each category. Section 5 addresses Boble Payments dispute handling.
2. Merchant Subscription Refunds
2.1 General Rule
Merchant subscription fees paid to Boble (monthly or annual plans) are generally non-refundable. Once a billing period begins, the fee covers that full period and is not pro-rated upon cancellation.
2.2 Exceptions
Refunds may be granted in the following limited circumstances:
• Duplicate or erroneous charges: If you are charged twice or in error, contact billing@boble.com within 30 days for a full refund.
• Annual plan refunds within 14 days: If you purchased an annual subscription and request a refund within 14 days of initial purchase, we will issue a pro-rated refund less any platform transaction fees already incurred.
• Service unavailability: If Boble’s platform experiences extended downtime (more than 72 consecutive hours) directly attributable to Boble, you may request a pro-rated credit applied to your next billing cycle.
• Required by law: Where applicable consumer protection law requires a refund, we will comply.
2.3 Cancellation
You may cancel your Merchant subscription at any time through your account settings. Cancellation stops future billing but does not refund the current billing period. You retain access to platform features until the end of the paid period.
2.4 Platform Transaction Fees
Platform transaction fees deducted from your sales (the percentage Boble takes per transaction) are non-refundable except where the original transaction is refunded to the Buyer in full and Boble Payments processed the transaction. If a third-party processor (Stripe, PayPal) processed the transaction, the processor’s own fee refund policy applies.
2.5 Add-Ons & Upgrades
Mid-cycle upgrades are pro-rated against your remaining billing period. Downgrades take effect at the start of the next billing cycle and are not refunded for the current period.
2.6 How to Request a Merchant Refund
Email billing@boble.com with your account email, the charge in question, and the reason for the refund request. We respond within 5 business days. Approved refunds are issued to the original payment method within 5–10 business days of approval.
3. Buyer Purchase Refunds
3.1 Refund Policies Are Set by Merchants
When you purchase a product or service from a Boble-powered store, your refund relationship is with the Merchant, not Boble. Each Merchant sets their own refund policy. Review the Merchant’s policy before completing your purchase.
3.2 Merchant Refund Obligations
Merchants on Boble are required to:
• Clearly publish their refund policy on their storefront or community before customers complete checkout.
• Comply with all applicable consumer protection laws in the jurisdictions they sell to.
• Respond to Buyer refund requests within 10 business days.
• Honor any statutory refund rights (e.g., EU consumer cooling-off periods where applicable).
3.3 How to Request a Buyer Refund
• First step: Contact the Merchant directly. Their contact information is available within the community or on the storefront where you made your purchase.
• If unresolved: If the Merchant does not respond within 10 business days or refuses a refund you believe is owed under their published policy, you may escalate to support@boble.com. Boble may facilitate communication but does not guarantee refund outcomes for transactions processed by third-party processors.
• Boble Payments transactions: Where Boble Payments processed your transaction, see Section 5 for our dispute handling process.
3.4 Subscription Cancellations (Buyer)
If you are subscribed to a Merchant’s offering (community membership, recurring content access, etc.), you may cancel through your account settings on the Merchant’s store. Cancellation takes effect at the end of the current billing period unless the Merchant’s policy states otherwise. Cancellation does not automatically entitle you to a refund for the current period.
3.5 Digital Product Refunds
Because digital products (courses, downloads, community access) are often delivered immediately upon purchase, many Merchants apply stricter refund terms than physical-goods retailers. Common Merchant policies include:
• No refunds after content access has been granted.
• Refunds only within a limited window (e.g., 7 or 14 days) and only if content has not been substantially consumed.
• Full refunds within a stated trial period.
The Merchant’s published policy governs in each case.
4. Chargebacks
4.1 Buyer Chargebacks
If you initiate a chargeback through your bank or card issuer rather than first contacting the Merchant or Boble, the chargeback process is governed by your bank and the card network. Filing a chargeback in bad faith (e.g., for products successfully delivered) may result in loss of access to the relevant community or future restrictions on the Boble platform.
4.2 Merchant Liability for Chargebacks
Merchants are responsible for chargebacks on their transactions. Boble may deduct disputed amounts and chargeback fees from future payouts pending resolution. Excessive chargebacks (above 1% for Visa, 1.5% for Mastercard) may result in reserves, account suspension, or termination of payment processing privileges.
5. Boble Payments Dispute Handling
Where Boble Payments processed your transaction, Boble (or its licensed payment facilitator partner) manages dispute resolution:
• Buyer dispute submission: Email disputes@boble.com with your order details, the Merchant, and the basis for your dispute.
• Investigation: Boble will review the dispute, request evidence from the Merchant, and respond within 14 business days.
• Resolution: Boble may approve a full or partial refund, deny the dispute, or refer the matter back to the Merchant.
• Merchant of Record: Where Boble has been designated Merchant of Record for the transaction, Boble has direct authority to issue refunds. Where the Merchant remains MoR (default position), Boble may facilitate but cannot unilaterally issue a refund without Merchant cooperation or card network mandate.
6. Fraudulent Transactions
If you believe a transaction on your account is fraudulent or unauthorized:
• Contact your bank or card issuer immediately.
• Email Boble at fraud@boble.com with the transaction details.
• For transactions processed by Boble Payments, we will investigate and, if confirmed fraudulent, reverse the transaction at no cost to you.
7. Taxes on Refunds
Where sales tax, VAT, or GST was collected on the original transaction, the refund will include the applicable tax. Refunds of platform transaction fees are net of any taxes Boble was required to remit.
8. Timing of Refunds
Approved refunds are issued to the original payment method. Typical timing:
• Credit/debit card: 5–10 business days after approval.
• PayPal: 1–3 business days after approval.
• Bank transfer / ACH: 5–14 business days after approval.
Actual timing depends on your bank or processor.
9. Disputes About This Policy
If you disagree with a refund decision, you may appeal by emailing legal@boble.com within 30 days of the decision. Final dispute resolution is governed by Section 18 of our Terms of Service.
10. Changes to This Policy
We may update this Refund Policy periodically. Material changes will be communicated by email or prominent in-platform notice at least 14 days before they take effect. The policy in effect at the time of your purchase governs that transaction.