REFUND & DISPUTE POLICY
Effective Date: March 2026
1. COIN PURCHASES — STRICT NO-REFUND POLICY
ALL VIRTUAL COIN PURCHASES ARE FINAL AND NON-REFUNDABLE. NO EXCEPTIONS. By completing any purchase on the KILKO platform, you expressly acknowledge, agree, and understand that:
You are purchasing a non-refundable digital entertainment creditYou irrevocably waive any right to a refund for any reason whatsoeverVirtual coins have no cash value and cannot be converted back to currencyYou have read, understood, and agree to the Virtual Coins Policy in its entiretyThis no-refund policy applies regardless of how many coins remain unused2. LIMITED EXCEPTIONS
Refunds may only be considered in the following extremely narrow circumstances, at the platform's sole discretion:
Unauthorized transactions: supported by a police report filed with law enforcement AND evidence that the transaction was made without the account holder's knowledge or consentVerified technical errors: duplicate charges caused by a confirmed system malfunction, supported by transaction evidence from both the platform and payment processorLegal requirements: charges in jurisdictions where consumer protection law explicitly and mandatorily requires refunds for digital goods (documentation of applicable law required)In all exception cases, the platform's determination is final, binding, and non-appealable.
3. CHARGEBACK POLICY
Filing a chargeback or payment dispute with your bank, credit card company, or payment provider is a serious matter with significant consequences. When a chargeback is initiated:
ALL coins associated with the charged-back transaction will be immediately deducted from your walletALL creator earnings derived from those coins will be immediately and automatically reversedYour account will be immediately suspended pending full investigationA chargeback processing fee may be assessed to your accountRepeated chargebacks (two or more) will result in permanent account banFraudulent chargebacks may result in legal action, including pursuit of damages, attorney's fees, and collection costsWe reserve the right to report fraudulent chargebacks to relevant authorities and credit agenciesWe strongly encourage users to contact our support team at support@kilko.app before initiating any chargeback with their financial institution. Most issues can be resolved more quickly and favorably through direct communication.
4. CREATOR EARNINGS DISPUTES
If you believe your earnings calculation is incorrect:
Submit a support ticket under the "Billing" category with specific transaction detailsWe will audit the relevant transactions within 5 business daysThe platform's calculation methodology is considered correct unless a verifiable system error is demonstrated with clear evidenceSubjective disagreements about earnings amounts, fee percentages, or boost multipliers are not grounds for a dispute5. GIFT REVERSALS
Gifts may be reversed by platform administrators in the following circumstances:
The originating coin purchase is charged backFraud or abuse is detected in the gifting transactionThe gift was sent in violation of Terms of Service or platform policiesAutomated fraud detection systems flag the transaction as suspiciousA court order or legal process requires the reversalCreators have no right, claim, or entitlement to earnings from reversed gifts under any circumstances.
6. DISPUTE RESOLUTION
All disputes arising from purchases, refund requests, chargebacks, or earnings calculations shall be resolved through the binding individual arbitration process described in our Terms of Service. YOU EXPRESSLY WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS OR CLASS-WIDE ARBITRATION.
7. LIMITATION OF LIABILITY
In no event shall Horane Technologies LLC be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising from purchases, refund requests, chargebacks, earnings disputes, or any related matter.
Horane Technologies LLC
