PAYMENT & CHARGEBACK POLICY
Effective: June 1, 2026
Version: 2026-06-01
This Payment & Chargeback Policy governs payment processing, payouts, reserves, disputes, refunds, chargebacks, and related financial transactions conducted through CuzHens Market.
This Policy applies to all Vendors, Customers, Advertisers, Subscribers, Affiliates, and other users who engage in financial transactions through the platform.
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1. Marketplace Role
CuzHens LLC operates as a technology platform and marketplace provider.
Except where expressly stated, CuzHens is not:
- The seller
- The grower
- The producer
- The retailer
- The distributor
- The delivery provider
Independent Vendors are responsible for products and services sold through the marketplace.
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2. Payment Processing
Payments may be processed through approved third-party providers including:
- Stripe
- PayPal
- Square
- Other approved processors
By submitting payment information, users authorize payment processors and CuzHens to process transactions in accordance with marketplace policies.
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3. Marketplace Fees
CuzHens currently charges a marketplace commission of ten percent (10%) on completed transactions unless otherwise disclosed.
Additional fees may include:
- Subscription fees
- Advertising fees
- Featured listing fees
- Sponsored placement fees
- Domain services
- Premium services
- Future marketplace fees
Fees may change with reasonable notice.
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4. Payout Schedule
Where marketplace payments are enabled:
- Funds become eligible for payout three (3) days after order completion.
- Payout schedules may vary by account status, risk level, or payment provider requirements.
CuzHens may delay payouts for:
- Fraud reviews
- Verification reviews
- Disputes
- Chargebacks
- Regulatory requirements
- Security concerns
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5. Reserve Accounts
To protect customers and marketplace integrity, CuzHens may establish reserve balances.
Reserve requirements may apply to:
- New Vendors
- High-risk categories
- Accounts with disputes
- Accounts with chargebacks
- Accounts under review
New Vendors may be subject to a reserve of up to ten percent (10%) of payouts during their first thirty (30) days of marketplace activity.
Reserve funds may be released following satisfactory account performance.
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6. Refunds
Refunds are governed by the Refund & Cancellation Policy.
Refunds may be issued:
- By Vendors
- By CuzHens
- By payment processors where required
Refund amounts may include:
- Full refunds
- Partial refunds
- Marketplace credits
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7. Chargebacks
Customers agree to first attempt resolution through:
1. The Vendor
2. CuzHens Marketplace Mediation
before initiating a chargeback whenever reasonably possible.
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8. Chargeback Investigations
Upon receiving a chargeback notice, CuzHens may:
- Review order records
- Review communications
- Review tracking information
- Review evidence provided by the parties
- Submit evidence to payment processors
Vendors agree to cooperate with all chargeback investigations.
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9. Vendor Responsibility
Vendors may be financially responsible for chargebacks resulting from:
- Product misrepresentation
- Non-delivery
- Fraudulent activity
- Failure to fulfill orders
- Policy violations
Chargeback amounts may be deducted from future payouts.
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10. Customer Abuse
Customers may not:
- Abuse refunds
- Abuse chargebacks
- Submit fraudulent claims
- Attempt payment fraud
Violations may result in:
- Account restrictions
- Account suspension
- Account termination
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11. Payment Holds
CuzHens may place temporary holds on funds when necessary to:
- Investigate disputes
- Prevent fraud
- Comply with legal obligations
- Protect marketplace participants
Holds may remain in place until investigations conclude.
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12. Failed Payments
If a payment cannot be completed:
- Orders may be canceled.
- Membership benefits may be suspended.
- Advertising may be paused.
- Premium services may be disabled.
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13. Subscription Billing
Subscription plans automatically renew unless canceled before renewal.
Failed subscription payments may result in:
- Feature removal
- Membership downgrade
- Suspension of premium benefits
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14. Marketplace Authority
CuzHens reserves the right to:
- Hold funds
- Reverse payouts
- Delay payouts
- Establish reserves
- Investigate disputes
- Recover unpaid fees
- Enforce marketplace policies
These actions may occur without notice when necessary to protect users or marketplace integrity.
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15. Limitation of Liability
CuzHens does not guarantee:
- Payment processor availability
- Payment processor decisions
- Chargeback outcomes
- Banking availability
- Payout timing
Financial services remain subject to third-party processor requirements.
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16. Future Marketplace Services
This Policy applies to:
- Product sales
- Service sales
- Rentals
- Events
- Classes
- Advertising
- Memberships
- Digital products
- Restaurant sourcing
- Future marketplace services
Additional service-specific policies may supplement this Policy.
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17. Contact
CuzHens LLC
Waycross, GA 31503
Email: info@cuzhens.com