Transaction Policy

Effective Date: January 1st, 2025
Revised Date: Feburary 14th, 2025

Follow this link for more: Transactions and Chargeback Management

1. Refunds & Returns Policy
Fanz Unlimited LLC enforces a strict no-refund policy for all transactions, except in cases where verifiable technical failures prevent the proper fulfillment of purchased digital goods or services. Refunds will be issued only after a comprehensive review of the claim and verification that a system-related error occurred. This policy ensures financial stability, fraud prevention, and adherence to our regulatory framework.

• Refund requests must be formally submitted via support@fanzunlimited.com and include transaction ID, purchase details, and supporting evidence demonstrating a platform-related failure.
• Refunds are processed within 5-10 business days, contingent upon verification and the policies of the payment processor facilitating the original transaction.
• Unauthorized chargebacks constitute a violation of platform policies and will trigger immediate account suspension and internal investigation. Repeat offenders may face permanent account termination and forfeiture of any outstanding balances.
• Users acknowledge that voluntary cancellations, accessed digital content, and completed services are ineligible for refunds. Exceptions may be granted in cases where an unintentional duplicate charge occurs due to a documented system malfunction.
• Users engaging in fraudulent refund claims or attempting to exploit refund policies will be permanently banned from the platform and reported to financial fraud monitoring agencies.
• Refunds, where applicable, will be processed through the same payment method used for the original transaction to prevent unauthorized financial manipulations.

2. Payment & Payout Policy
Fanz Unlimited LLC implements a rigorous financial security framework that ensures all transactions are PCI DSS-compliant, legally sound, and fraud-resistant. We facilitate transactions through multiple industry-leading payment processors, each governed by specific operational parameters and financial regulations.

Accepted Payment Methods for Purchases

• MobiusPay – Supports both tangible and non-tangible goods, ensuring seamless credit card transactions.
• CCBill – Restricted to non-tangible goods (e.g., subscriptions, digital downloads, and virtual services).
• RocketGate – Tailored for subscription-based models and high-volume processing, ensuring transactional reliability.
• Stripe – Available for specific platforms, contingent upon merchant category approval and risk assessments.
• Cryptocurrency Payments – Processed via Triple-A & NowPayments, supporting Bitcoin, Ethereum, USDT, and other digital assets, ensuring decentralized payment security.

Payout Methods for Content Starz (a.k.a. “Stars” or “Creators”) & Vendors

• Paxum – Preferred for international payouts due to low transaction fees and expedited processing.
• ACH (Automated Clearing House) – Designed for direct deposit payouts to U.S.-based content starz and vendors, ensuring efficient banking transactions.
• Wire Transfers – Available for high-volume disbursements and cross-border transactions, facilitating secure international transactions.
• Cryptocurrency Payouts – Processed via Triple-A & NowPayments for users requesting digital asset compensation, offering decentralized financial autonomy.

Processing Time & Associated Fees

• ACH & Paxum Payouts – Typically processed within 2-5 business days, subject to banking regulations and compliance reviews.
• Wire Transfers – May take 3-7 business days, contingent upon international banking processing standards and intermediary bank policies.
• Crypto Payouts – Typically settled within 24 hours, depending on blockchain network congestion and transaction verification processes.
• Transaction Fees – Vary by processor; users are solely responsible for applicable fees, currency conversion charges, and platform service costs, ensuring transparency in financial operations.
• Minimum Payout Thresholds – Payouts are only processed once the minimum threshold has been met for the respective payment method, ensuring efficient fund disbursement.

Chargeback & Fraud Prevention Policy

• Users disputing a transaction must submit comprehensive documentation supporting their claim.
• Fraudulent chargebacks (e.g., unwarranted disputes, intentional exploitation of refund mechanisms) will result in account suspension and forfeiture of pending payouts.
• Repeated chargeback attempts will be classified as financial abuse, leading to permanent platform bans and reporting to fraud monitoring agencies.
• Fanz Unlimited LLC retains the right to pursue legal remedies against individuals engaging in fraudulent activities, including legal action and fund recovery.

3. Dispute Resolution & Arbitration Policy
To ensure a legally binding and efficient dispute resolution framework, all users engaging in financial transactions with Fanz Unlimited LLC irrevocably agree to the following terms:

• Mandatory Binding Arbitration: All disputes arising from transactions shall be exclusively resolved through arbitration, precluding litigation, ensuring an efficient resolution process.
• Arbitration Jurisdiction: Proceedings shall take place in Sheridan, Wyoming, unless a mutually agreed alternative venue is determined.
• Waiver of Class Action Rights: Users waive their right to initiate or join any class-action lawsuit against Fanz Unlimited LLC, reinforcing individual dispute resolution.
• If a payout dispute arises, Fanz Unlimited LLC reserves the right to withhold funds until a full investigative review is completed, ensuring a fair and thorough resolution process.

4. Sales Tax & Consumer Protection Laws
Fanz Unlimited LLC operates in strict compliance with applicable taxation and consumer protection regulations across multiple jurisdictions:

• Tax Responsibilities: Content starz and vendors are solely responsible for reporting, collecting, and remitting applicable sales tax, VAT (Value-Added Tax), or GST (Goods and Services Tax) in accordance with their jurisdictional tax laws.
• Platform Tax Automation: Fanz Unlimited LLC integrates automated tax calculation tools to facilitate the accurate computation of VAT, GST, and other required taxes, ensuring tax compliance.
• International Tax Compliance: Non-U.S. content starz and vendors must comply with local tax filing obligations and may be required to submit IRS Form W-8 BEN for withholding tax determination, ensuring compliance with U.S. and international tax regulations.
• U.S. Tax Reporting: U.S.-based content starz who exceed the relevant earnings threshold will receive IRS Form 1099-NEC, whereas non-U.S. vendors may be subject to withholding tax under applicable treaties, ensuring compliance with U.S. tax law.
• Regulatory Compliance: Fanz Unlimited LLC adheres to global financial reporting laws, including FATCA, CRS, GDPR, and CCPA, ensuring stringent financial transparency and data protection, reinforcing compliance with international financial regulations.

5. Anti-Money Laundering (AML) & Financial Crimes Prevention
Fanz Unlimited LLC enforces a comprehensive Anti-Money Laundering (AML) framework designed to prevent illicit financial activities and ensure compliance with global financial crime regulations:

• Identity Verification (KYC Compliance): Users engaging in high-value transactions must undergo enhanced KYC (Know Your Customer) verification, which may include government ID submission, proof of income, and source-of-funds validation.
• Regulatory Reporting Obligations: Suspicious transactions may be flagged and reported to relevant financial crime enforcement agencies as mandated by law, ensuring compliance with AML regulations.
• Account Freezing & Compliance Investigations: Accounts involved in high-risk financial activities may be frozen pending internal review, and associated funds may be withheld during compliance verification, preventing illicit financial transactions.
• Restricted Transactions: Users are strictly prohibited from engaging in financial transactions linked to illegal goods, services, or money laundering schemes. Any violation will result in immediate account termination, forfeiture of assets, and potential legal prosecution.

By conducting transactions through Fanz Unlimited LLC, users, content starz, and vendors explicitly acknowledge and agree to comply with all applicable financial laws, taxation requirements, AML regulations, and dispute resolution terms. Non-compliance will result in legal liability, fund forfeiture, and permanent account restrictions.

For all transaction-related inquiries, dispute resolution requests, or compliance concerns, please contact support@fanzunlimited.com.

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