Thank you for using the Growing Brilliant, LLC website and associated content (hereinafter “Website”). Growing Brilliant provides you with a limited license to use the Website subject to the terms and conditions contained within this Terms of Use Agreement (hereinafter “Agreement”).
This Website is intended to provide educational services and information to parents for the educational benefit of students. This Website is not intended for children under 18 to use without direct parental supervision. No one under 18 may use the website without the consent of their parent or legal guardian.
By using the Website, you manifest your assent and agree to be bound by this Agreement. If you do not agree to the terms and conditions contained within this Agreement, you must discontinue your use of the Website immediately. Growing Brilliant reserves the right to suspend, replace, modify, amend, or terminate this Agreement at any time and within its sole and absolute discretion. In the event Growing Brilliant replaces, modifies, or amends this Agreement, the Last Updated date, located at the top of this Agreement, will change. Your continued use of the Website after a change in the Last Updated date above will constitute your manifestation of assent to and agreement with any replacement, modification, or amendment herein.
THIS TERMS OF USE AGREEMENT CONTAINS AN ARBITRATION PROVISION AND CLASS ACTION WAIVER THAT AFFECTS YOUR LEGAL RIGHTS. YOU HAVE A DUTY TO READ THE ARBITRATION PROVISION AND CLASS ACTION WAIVER CONTAINED WITHIN. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AND CLASS ACTION WAIVER, YOU MUST IMMEDIATELY DISCONTINUE YOUR USE OF THE WEBSITE.
Growing Brilliant offers services including online classes, videos and mail delivered curriculum boxes for the education and enrichment of infants and children. There are risks that you assume when dealing with other Users (including those who may be acting under false pretenses). While Growing Brilliant strives to provide a safe and welcoming environment for its Users, you agree that all of these risks are ultimately borne by you, and not Growing Brilliant. Growing Brilliant does not control the behavior of Users or the quality of the Classes.
Age Requirements
To enroll in our Early Explorers program your child must be 2 years old.
To enroll in our Little Learners, Kindergarten Readiness, and Kindergarten Club programs your child must be at least 3 years old.
User Warranties
By using the Website, you warrant that you are age eighteen (18) or above the age of majority within your legal jurisdiction, are of sound mind, and have the capacity to agree to and uphold the terms and conditions contained within this Agreement. If you use the Website on behalf of a business entity or other third party, you warrant that you express actual authority to act as an agent of that business entity and third party and, as a component of that agency, have the right and ability to agree to the terms of this Agreement on behalf of that third party or business entity.
Limited License
You acknowledge and agree that the Website is the property of or is licensed by Growing Brilliant and is protected under United States and international law, including, but not limited to, intellectual property laws and other personal and proprietary rights. You acknowledge and agree that your use of the Website is limited by the license granted under the terms of this Agreement, and you expressly agree that you will not use the Website in any manner not expressly authorized under the terms of this Agreement. Growing Brilliant reserves all of rights not expressly granted through this Agreement.
Growing Brilliant provides you with a limited, non-exclusive, non-sublicensable, non-assignable, revocable, and royalty free license to use the Website for its customary and intended purposes. You are expressly prohibited from reproducing, preparing derivative works of, distributing copies of, publicly performing, and publicly displaying the Website.
Acceptable Use Policy
You are expressly prohibited from using the Website to violate any law, statute, ordinance, regulation, or treaty, whether local, state, provincial, national or international, or to violate the rights of a third party, including, but not limited to, intellectual property rights, privacy rights, rights of publicity, or other personal or proprietary rights. Additionally, you are expressly prohibited from scraping, crawling, aggregating, hacking, performing denial of service attacks on, reverse engineering, or circumventing technological protection measures of the Website.
Copyright Policy
The Website and its associated content and services are © 2025 Growing Brilliant, LLC. If you believe that a user of the Website has infringed upon your copyright rights, you may provide us a notice of copyright infringement that complies with § 512 of the Digital Millennium Copyright Act.
Upon receipt of a notice that complies with this section, we will make a good faith attempt to notify the owner or uploader of the allegedly infringing content so that they can respond with a counter-notification. This notice of copyright infringement must contain the following:
- The physical or electronic signature of a person authorized to act on behalf of the copyright owner;
- Identification of the copyrighted work(s) alleged to have been infringed;
- The location of the copyrighted work(s) on the Website;
- Your contact information, such as an address, telephone, fax number, or email address;
- A statement that you have a good faith belief that the use of the allegedly infringing content is not authorized by the copyright owner, its agent, or the law; and
- A statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner.
If you are a Website user who believes that content subject to a notice of copyright infringement is not infringing, you may submit a counter-notification. This counter-notification must contain the following:
- Identification of the specific materials that have been removed from the Website;
- Your contact information, such as an address, telephone, fax number, or email address;
- A statement, under penalty of perjury, that you have a good faith belief that the content was removed as a result of mistake or misidentification;
- A statement that you consent to the jurisdiction of the federal district court in which your address is located or in which we are located;
- A statement that you will accept service of process from the notifying party; and
- Your physical or electronic signature.
Notifications of copyright infringement and counter-notifications must be submitted to us at online@growingbrilliant.com
Payment and Enrollment
You agree to pay all applicable fees for Classes (“Enrollment Fees”) as set forth on the Site. All Enrollment Fees are payable in the currency specified on the Site at the time of purchase. You shall be responsible for all taxes associated with the Services other than U.S. taxes based on Company’s net income. You hereby authorize Growing Brilliant to bill your payment instrument upon confirmation of a purchase, and you further agree to pay any charges so incurred.
Current Tuition Pricing
Weekly tuition rates are as follows:
- 1 Day/Week: $21 per week
- 2 Days/Week: $38 per week
- 3 Days/Week: $54 per week
- 5 Days/Week: $82 per week
A one-time materials fee of $39 applies to all new enrollments. The materials fee is non-refundable after it is billed. Growing Brilliant reserves the right to modify pricing with reasonable notice to current customers.
Payment Terms for Live Online Classes
Payments are due weekly and will be charged on the same day of the week as your child’s first class session. For example, if your child’s first class is on a Tuesday, you will be billed every Tuesday. Payments will automatically deduct from the designated credit card on file. Your one-time registration fee and materials fee are charged at the time of enrollment. Your first week’s payment amount will be prorated if you do not start on the first day of your class for that week.
Closure dates: There will be no proration or refunds for closure dates. Please refer to this year’s calendar for the exact dates. A list of common holidays that will be observed is below, however, these dates are subject to change: MLK Day, Memorial Day, Independence Day, Labor Day, Thanksgiving and the day after, Christmas, and New Year’s Day.
Refunds and Cancellations
Refunds are not offered. Cancellation must be submitted through the online portal. Cancellations must be made before 12:01 AM PST on your billing day of the following week. You may only cancel your service for the upcoming billing week. If you cancel past 12:01 AM PST on your billing day, you will receive your full bill for your current week and cancellation will be effective the following week at 12:01 AM PST on your billing day. You will not receive a refund for the registration fee or materials fee after they are billed.
Payment Disputes and Chargeback Policy
IMPORTANT: If you have any concerns or disputes regarding charges, you must contact Growing Brilliant directly at online@growingbrilliant.com before initiating a chargeback with your financial institution.
If you dispute any charges, you must notify Growing Brilliant within sixty (60) days after the date that Growing Brilliant charges you. Growing Brilliant will work in good faith to resolve any legitimate billing disputes through our customer service process.
Chargeback Restrictions: You expressly agree that chargebacks through your financial institution should NOT be used as a substitute for proper cancellation procedures outlined in this Agreement. Initiating a chargeback without first attempting to resolve the dispute directly with Growing Brilliant may be considered a breach of this Agreement.
Chargeback Fees and Consequences: In the event that you initiate a chargeback:
- You will be responsible for a chargeback processing fee of $50.00 per incident to cover administrative costs and fees imposed by payment processors;
- Your account and services will be immediately suspended pending resolution of the chargeback;
- If the chargeback is determined to be fraudulent or without merit, Growing Brilliant reserves the right to permanently terminate your account and pursue recovery of all amounts owed, including the original charge, chargeback fees, and reasonable attorneys’ fees and costs incurred in defending against the chargeback;
- Multiple chargebacks or patterns of chargeback abuse may result in permanent account termination and exclusion from future services;
- Growing Brilliant may report fraudulent chargebacks to payment processors, credit reporting agencies, and law enforcement authorities as permitted by applicable law.
Legitimate Chargebacks: Growing Brilliant acknowledges that legitimate chargebacks may occur in cases of unauthorized transactions, identity theft, or processing errors. If you believe such circumstances exist, please contact us immediately at online@growingbrilliant.com so we can investigate and resolve the matter promptly before initiating a chargeback.
Right to Recovery: You expressly agree that Growing Brilliant has the right to recover all costs, fees, and damages associated with fraudulent or improper chargebacks, including but not limited to the disputed amount, chargeback processing fees, merchant penalties, and reasonable attorneys’ fees. This right to recovery is enforceable through the dispute resolution procedures outlined in this Agreement.
Services Availability
While Growing Brilliant strives to provide regular access to sufficient tutoring capability, it is possible high volume or specific services may be unavailable at the time of your order. If this is the case, Growing Brilliant will contact you in a reasonable time frame to advise you of the issue. You understand and agree that the availability of a service displayed through the Website does not guarantee that the service will be available at a certain date or time.
User Accounts
Growing Brilliant will provide you with the ability to create a user account, which may provide you with the ability to view special pricing, view enrollment status, and see recently viewed and purchased services through the Website (hereinafter “User Account”). You acknowledge and agree that you control access to your User Account. Your User Account may only be used by you or by third parties with your express written consent. Growing Brilliant will not be held responsible or liable for any unauthorized access to your User Account, and you are under a continuing duty to promptly provide Growing Brilliant with notice of any unauthorized or unusual access to your User Account. You are advised to keep the username and password associated with your User Account secure and secret.
By creating a User Account and providing your personal information to Growing Brilliant, you acknowledge and agree that Growing Brilliant may use your personal information to contact you. Growing Brilliant reserves the right to suspend or terminate your User Account at any time and in its sole and absolute discretion, including, but not limited to, for a violation of any term or condition of this Agreement.
When using a User Account, you warrant and agree that, on behalf of yourself and your past, present, and future agents, employees, representatives, and attorneys, you will hold the terms of all Growing Brilliant pricing and services confidential and will refrain from distributing Growing Brilliant’s pricing lists to any third parties except: (a) as may be required pursuant to a court order or other lawful process; or (b) as may be required by applicable law (including tax laws and regulations). This confidentiality provision will not extend to any pricing or inventory information that is now or may in the future become generally available to the public through no improper action or inaction by Growing Brilliant or its affiliates, agents, consultants, or employees. You and Growing Brilliant acknowledge and agree that a violation of this confidentiality obligation would cause Growing Brilliant irreparable harm not compensable by monetary damages. Accordingly, in the event of an actual or threatened violation of your confidentiality obligations under this section, Growing Brilliant will be entitled to temporary, preliminary, and permanent injunctive relief, without the necessity of filing a bond. Additionally, in the event of your actual violation of these confidentiality obligations, Growing Brilliant will be entitled to recover against you: (a) actual monetary damages; and (b) in all events where liability is established, the reasonable attorneys’ fees and costs incurred in connection with establishing liability.
Third Party Links
You acknowledge and agree that the Website may contain links to third party websites or content that Growing Brilliant does not own or control. You are advised to review the terms and conditions of any third-party websites or content linked to through the Website, and you agree that Growing Brilliant will not be responsible for websites not under the ownership or control of Growing Brilliant.
Term and Termination
The term of this Agreement will begin upon your first accessing of the Website and will continue until the earlier of the following: (i) Growing Brilliant terminates your access to the Website; or (ii) you cease using the Website and terminate your User Account. Growing Brilliant reserves the right to terminate the Website or your access to the Website in its sole and absolute discretion and without prior notice.
Trademarks
You acknowledge and agree that any and all trademarks, trade names, design marks, or logos displayed on the Website by Growing Brilliant, including but not limited to GROWING BRILLIANT, are common law or registered trademarks owned by or licensed to Growing Brilliant. You are expressly prohibited from using the trademarks of Growing Brilliant to cause confusion in, to cause mistake in, or to deceive consumers, or from falsely designating the origin of, the source of, or the sponsorship of your goods or services. You are further prohibited from using the trademarks of Growing Brilliant in domain names, in keyword advertisements, to trigger keyword advertisements, or in meta tags. All other trademarks, trade names, design marks, or logos are the property of their respective owners.
Accessibility Policy
We are happy to accommodate users with special needs or requirements. Growing Brilliant is committed to providing its employees and the public, including persons with disabilities, with access to the Website and its related information and services. In designing the website, Growing Brilliant makes reasonable efforts to comply with the WCAG 2.1 Level AA web accessibility standards. The Website has been designed to reach the widest audience possible, but, if you have difficulty viewing the Website, using the Website, or performing any transaction through the Website, you are encouraged to contact Growing Brilliant at 833-255-5788.
Disclaimer of Warranties and Limitation of Liability
YOU ACKNOWLEDGE AND AGREE THAT THE WEBSITE AND ANY PURCHASED SERVICES OR FREE DEMOS ARE PROVIDED ON AN “AS-IS” BASIS AND WITHOUT WARRANTY OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, SECURITY, AND NON-INFRINGEMENT. WHEREVER PERMITTED BY LAW, YOU ACKNOWLEDGE THAT GROWING BRILLIANT WILL NOT BE HELD RESPONSIBLE OR LIABLE FOR ANY CLAIMS, DAMAGES, JUDGMENTS, CHARGES, OR FEES ARISING OUT OF OR RELATED TO YOUR USE OF OR ACCESS TO THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, COMPENSATORY DAMAGES, CONSEQUENTIAL DAMAGES, SPECIAL DAMAGES, INCIDENTAL DAMAGES, PUNITIVE DAMAGES, EXEMPLARY DAMAGES, COSTS, AND ATTORNEYS’ FEES, DAMAGES ARISING OUT OF ERRORS OR OMISSIONS, AND DAMAGES ARISING OUT OF THE UNAVAILABILITY OF THE WEBSITE OR DOWNTIME. YOU ACKNOWLEDGE THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK AND THAT GROWING BRILLIANT’S LIABILITY IS LIMITED TO THE AMOUNT THAT YOU PAID TO USE THE WEBSITE OR $1000, WHICHEVER IS LESS.
GROWING BRILLIANT EXPRESSLY DISCLAIMS ANY RESPONSIBILITY FOR ANY DAMAGE, INJURY, HARM, COST, EXPENSE, OR LIABILITY ARISING OUT OF OR RELATED TO YOUR USE OR MISUSE OF PRODUCTS PURCHASED THROUGH THE WEBSITE. EXCEPT FOR THE WARRANTIES SPECIFICALLY STATED IN THIS AGREEMENT, PRODUCTS PURCHASED THROUGH THE WEBSITE ARE PROVIDED WITHOUT EXPRESS, IMPLIED, OR STATUTORY WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON-INFRINGEMENT, OR QUALITY. SOME JURISDICTIONS DO NOT ALLOW AN EXCLUSION OF IMPLIED WARRANTIES. IF YOU ARE LOCATED IN SUCH A JURISDICTION, YOU ARE ADVISED TO SEEK LEGAL ADVICE TO DETERMINE IF THIS EXCLUSION APPLIES TO YOU. GROWING BRILLIANT WILL NOT BE LIABLE TO YOU UNDER ANY LEGAL THEORY, WHETHER IN WARRANTY, CONTRACT, STRICT LIABILITY, TORT, OR NEGLIGENCE, FOR ANY DAMAGES, CLAIMS, INJURIES, JUDGMENTS, COSTS, OR LIABILITIES OF ANY KIND ARISING OUT OF OR RELATED TO YOUR USE OR MISUSE OF PRODUCTS PURCHASED THROUGH THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, DAMAGE TO PROPERTY, LOSS OF BUSINESS, LOSS OF INCOME, SPECIAL DAMAGES, INCIDENTAL DAMAGES, CONSEQUENTIAL DAMAGES, PUNITIVE DAMAGES, OR EXEMPLARY DAMAGES, WHETHER FORESEEABLE OR UNFORESEEABLE. YOU ACKNOWLEDGE THAT YOUR USE OF PRODUCTS PURCHASED THROUGH THE WEBSITE IS AT YOUR SOLE RISK AND THAT GROWING BRILLIANT’S LIABILITY IS LIMITED TO THE AMOUNT THAT YOU PAID FOR THE PRODUCTS OR $1000, WHICHEVER IS LESS.
Indemnification
You agree to indemnify, defend, and hold harmless Growing Brilliant, its officers, shareholders, directors, employees, subsidiaries, affiliates, and representatives from any and all losses, including, but not limited to, costs and attorneys’ fees, arising out of or related to (i) your use of the Website, (ii) your purchase of services through the Website; (iii) your use or misuse of services obtained through the Website; (iv) your violation of any term or condition of this Agreement; (v) your violation of the rights of third parties, including, but not limited to, intellectual property rights or other personal or proprietary rights; and (vi) your violation of any law, statute, ordinance, regulation, or treaty, whether local, state, provincial, national or international. Your obligation to defend Growing Brilliant will not provide you with the ability to control Growing Brilliant’s defense, and Growing Brilliant reserves the right to control its defense, including its choice of counsel and whether to litigate or settle a claim subject to indemnification.
DISPUTES AND ARBITRATION
You and Growing Brilliant agree that any dispute, claim or controversy arising out of or in relation to your use of the Website, this Agreement, or the applicability, breach, termination, validity, enforcement, or the interpretation thereof, will be settled by binding individual arbitration. If there is a dispute about whether this arbitration clause can be enforced or applies to the dispute between you and Growing Brilliant, you and Growing Brilliant agree that the arbitrator will decide that issue.
Notwithstanding the foregoing, you and Growing Brilliant each agree that any claim related to actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights will not be subject to this arbitration clause or arbitration. However, all claims related to actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademarks, trade secrets, patents, or intellectual property rights will be interpreted under California law and will be heard exclusively in the state and federal courts located in Sacramento, California.
You and Growing Brilliant agree that the Federal Arbitration Act will govern the interpretation and enforcement of this arbitration provision. The arbitration will be administered under American Arbitration Association’s most recent Commercial Arbitration Rules then in effect except where as modified herein. The arbitration will be conducted in Sacramento, CA and will be decided by a single arbitrator randomly selected from a list of neutral arbitrators maintained by the American Arbitration Association. Judgment on any award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator will be provided with the right to award costs and attorneys’ fees to the prevailing Party. This arbitration will be held in Sacramento, CA and both parties agree that they will be required to be present in Sacramento, CA for arbitration under the terms of this Agreement and hereby submit to exclusive personal jurisdiction in Sacramento, CA. The arbitrator will apply the laws of the State of California and the federal laws of the United States in deciding any controversy or claim pursuant to this arbitration clause.
You and Growing Brilliant acknowledge and agree that each are waiving the right to a trial by jury as to all arbitrable disputes. You and Growing Brilliant acknowledge and agree that, to the fullest extent permitted under the law, each are waiving the right to participate as a plaintiff or class member in any class action lawsuit, class arbitration, or private attorney general action. If this class action waiver is held unenforceable with respect to the dispute between the Parties, the Parties agree that the entirety of the arbitration clause will be deemed void with respect to such dispute and the dispute must proceed in court.
Force Majeure
Growing Brilliant will not be responsible for any delay or failure in performance of the Website or its associated products arising out of any cause beyond Growing Brilliant’s control, such as acts of God, war, riots, fire, terrorist attacks, pandemics, power outages, computer or technology outages or failures, severe weather, or other accidents.
Survivability
The representations, warranties, duties, and covenants made by you under this Agreement will survive the termination of this Agreement, your User Account, or the Website, including, but not limited to, your duty to indemnify and defend Growing Brilliant.
Severability
In the event any term or condition of this Agreement is deemed invalid or unenforceable, the remaining terms and conditions of this Agreement will remain in full force and effect.
Interpretation
This Agreement will be deemed to have been drafted by both parties, and the terms and conditions of this Agreement will not be interpreted against its drafter.
Assignment
You are expressly prohibited from assigning your rights and duties under this Agreement. Growing Brilliant reserves the right to assign its rights and duties under this Agreement, including in a sale of Growing Brilliant or its Website.
Waiver, Privacy Policy, and Integration
No term or condition of this Agreement or breach of this Agreement will be deemed to have been waived or consented to unless said waiver is written and signed by the party to be charged. This Agreement is the entire agreement between the parties and supersedes all previous agreements or representations between the parties. Growing Brilliant incorporates by reference its Privacy Policy as if fully stated herein.
Research References for Terms of Service Updates
CHARGEBACK POLICY FRAMEWORK
Merchant Rights & Legal Framework:
- Truth in Lending Act (TILA) & Fair Credit Billing Act (FCBA): https://www.bartkasperolaw.com/chargeback-law-your-rights-as-a-consumer/ – Legal framework governing chargebacks, establishing time limits, dispute processes, and fees for both merchants and consumers Bart Kaspero Law
- Federal Reserve Consumer Compliance Outlook: https://www.credit.com/blog/what-happens-to-the-merchant-when-you-dispute-a-charge – Details merchant obligations when cardholders file disputes under Truth in Lending Act Credit.com
- Chargeback Rights for Merchants (Kount): https://kount.com/blog/chargeback-rights-merchants – Comprehensive guide on merchant rights including right to dispute invalid chargebacks and blacklist repeat offenders Kount
CHARGEBACK FEES & MERCHANT COSTS
- Merchant Chargeback Rights 2025: https://justt.ai/blog/merchant-chargeback-rights/ – Documents average $74 per chargeback dispute, 222% increase in eCommerce chargebacks 2023-2024, and merchant rights to recovery Justt
- Legal Side of Chargebacks for Merchants: https://merchantservicesupdate.com/the-legal-side-of-chargebacks-understanding-your-rights-as-a-merchant/ – Details chargeback fees ranging from $20-$100 per incident plus increased processing costs Merchantservicesupdate
- Comprehensive 2025 Chargeback Guide: https://www.hostmerchantservices.com/articles/guide-to-chargebacks-for-merchants/ – Explains lost merchandise charges, fines, penalties, and account termination risks when chargeback thresholds exceeded Host Merchant Services
- Mastercard Merchant Chargeback Disputes: https://b2b.mastercard.com/news-and-insights/blog/how-can-merchants-dispute-credit-card-chargebacks/ – Confirms merchants pay chargeback fees regardless of dispute outcome Mastercard
TERMS OF SERVICE BEST PRACTICES
- Protecting Business from Chargebacks – Terms.law: https://terms.law/2023/10/12/protecting-your-business-from-credit-card-chargebacks-essential-terms-conditions-strategies/ – Best practices for legally enforceable terms including clickwrap agreements, clear language, and conspicuous placement Terms
- How Terms of Service Cause Chargebacks: https://www.chargebackgurus.com/blog/terms-of-service-chargebacks – Explains importance of written, agreed-upon terms and refund policies in preventing and fighting chargebacks Chargeback Gurus
- Effective Terms to Prevent Chargebacks: https://www.beatbackchargebacks.com/blog/effective-terms-of-service-how-merchants-can-prevent-credit-card-chargebacks-and-disputes/ – February 2025 guidance on customer-friendly terms that protect businesses and reduce disputes Beatbackchargebacks
- Fighting Chargebacks with Clickwrap (Ironclad): https://ironcladapp.com/journal/contract-management/how-to-fight-chargebacks – September 2025 guide on maintaining backend records, clickwrap agreements, and representment evidence Ironclad
“NO CHARGEBACK” CLAUSES – LIMITATIONS
- Truth About “No Chargebacks” Agreements: https://www.chargebackgurus.com/blog/no-chargebacks-agreements – Explains that under U.S. law, consumers cannot forfeit chargeback rights by signing agreements; however, merchants can require contact before chargebacks and terminate accounts for abuse Chargeback Gurus
- No Chargeback Agreement Reality: https://www.chargeflow.io/blog/no-chargeback-agreement – Confirms no-chargeback agreements generally unenforceable as they waive consumer statutory rights under FCBA and EFTA, but merchants can require dispute resolution attempts first Chargeflow
CARD NETWORK REGULATIONS
- Mastercard Chargeback Guide (May 2025): https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/chargeback-guide.pdf – Official Mastercard chargeback rules, procedures, and merchant obligations Mastercard
CHARGEBACK POLICY ENFORCEMENT & CONSEQUENCES
- Afterpay Merchant Terms (Example): https://squareup.com/us/en/legal/general/afterpay-merchant-terms – Real-world example of merchant service provider chargeback fee provisions and merchant liability clauses Square
- NoFraud Chargeback Protection Policy: https://www.nofraud.com/chargeback-protection-policy/ – June 2025 policy outlining chargeback guarantee terms, merchant obligations, and documentation requirements NoFraud