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REFUND POLICY

A LEGAL DISCLAIMER

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All transactions processed through the LOBCHANGE marketplace are subject to the following refund terms and conditions:

  1. Eligibility for Refunds

    • Refunds may be issued at any time, subject to review and approval by LOBCHANGE, provided that the transaction complies with our operational guidelines, applicable laws, and the specific program terms under which the transaction was made.

    • Certain products, services, or special programs may be classified as non-refundable. This will be clearly stated in the applicable service or program description.

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  2. Processing Fees

    • For approved refunds, a minimum processing fee of 0.5% of the transaction value will be deducted from the refund amount.

    • Additional administrative or currency conversion fees may apply for international transactions.

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  3. Non-Refundable Situations
    Refunds will not be issued in cases where:

    • The service or product has already been fully delivered or consumed.

    • The request is related to a change of mind without valid cause under applicable consumer protection laws.

    • The refund request violates any anti-fraud, anti-money laundering (AML), or counter-terrorism financing (CTF) regulations.

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  4. Timeframe for Refunds

    • Approved refunds will be processed within 7–15 business days, depending on the payment method and financial institution.

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  5. Customer Support

    • Our Customer Service Assistance Team is available 24/7, in more than 36 languages, to provide support regarding returns and refunds.

    • You can contact us via email at customerservices@lobchange.com or phone at +1 214-233-6026.​

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  6. Jurisdiction & Governing Law

    • This Refund Policy shall be governed by and construed in accordance with the laws of United States of America, without regard to conflict of law principles.

    • Any disputes arising under this policy shall be subject to the exclusive jurisdiction of the courts located in the states of Texas and New York.

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Disclaimer:

By proceeding with a transaction through the LOBCHANGE marketplace, you acknowledge and agree to the terms stated in this Refund Policy.

If you want, I can now adapt this into a “website-friendly” version with clear headings and short, consumer-readable sentences while keeping the legal protection for LOBCHANGE.
That way, you’ll have both the legal text for contracts and a simplified version for your customers online.

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