Refund, Cancellation, and Dispute Policy

This Refund, Cancellation, and Dispute Policy (the "Policy") is issued by RUBA GLOBAL LLC, a New Jersey limited liability company with its registered office at 99 Green Grove Ave, Keyport, New Jersey 07735 ("Ruba", "we", "us", or "our").

This Policy explains how Ruba administers refund requests, subscription cancellations, billing errors, and payment disputes for Products purchased through Ruba Checkout. It applies to Buyers and Sellers involved in those Transactions.

For a Buyer, this Policy forms part of the Ruba Buyer Purchase Terms (the "Buyer Terms"). For a Seller, it forms part of the Ruba Seller Services Agreement (the "Seller Agreement").

Important: Ruba is the seller and Merchant of Record for each Transaction. The Seller identified at checkout supplies, fulfills, and supports the Product. Ruba administers the Transaction, refund, cancellation, and Chargeback as described in this Policy and the applicable agreement.

Definitions

In this Policy:

"Buyer" means a person who purchases a Product from Ruba through Ruba Checkout.

"Card Network" means a payment card network such as Visa, Mastercard, American Express, or Discover.

"Chargeback" means a payment dispute, reversal, retrieval, or similar process initiated by a Buyer, issuing institution, Card Network, acquirer, or Payment Processor.

"Fee Schedule" means the generally applicable fees and pass-through costs published at https://getruba.com/resources/pricing, together with any different pricing expressly agreed with a Seller in writing.

"Merchant of Record" means Ruba's role as the seller to the Buyer for a Transaction, including charging the Buyer in Ruba's name and administering the associated payment, transaction documentation, applicable Transaction Taxes, refunds, and Chargebacks under the agreements governing the Transaction.

"Network Rules" means the applicable rules, standards, operating regulations, and requirements of Card Networks, acquirers, and Payment Processors.

"Payment Processor" means a regulated payment, acquiring, payout, banking, fraud, or related financial-service provider used to support the Services.

"Product" means approved software, software-as-a-service, an API, a digital download, a license key, digital content, a subscription, or another digital offering that Ruba has expressly approved for resale, including approved integration, implementation, or support fees that are secondary to that offering. An individual freelancer may sell an approved Product. A Product does not include physical goods, donations, crowdfunding, or an offering whose principal purchased value is consulting, custom design or development, agency work, coaching, managed technical support, or another manually fulfilled human service, or any prohibited or restricted offering, unless Ruba expressly approves it in writing.

"Product Information" means the information a Seller provides about a Product, including its description, functionality, pricing, billing interval, fulfillment method, tax classification, support terms, refund eligibility, cancellation method, legal restrictions, and associated websites or applications.

"Product Support" means fulfillment, delivery, access, maintenance, technical support, warranty service, and other support relating to the Product itself.

"Product Terms" means an end-user license agreement, terms of use, or other Product-specific terms that a Seller makes available and that govern a Buyer's access to or use of the Product.

"Ruba Checkout" means the checkout interface made available by Ruba through which Buyers may purchase Products using the payment methods actually displayed at checkout.

"Ruba Fee" means the fee Ruba retains for providing the Services, as stated in the Fee Schedule or another written pricing agreement with a Seller.

"Seller" means the person or entity identified in Ruba Checkout as the Product's supplier, developer, creator, or licensor.

"Services" means Ruba Checkout and the transaction, payment, subscription, tax, receipt, refund, Chargeback, and related services Ruba provides to Buyers under the Buyer Terms, together with the corresponding reseller and account services Ruba provides to Sellers under the Seller Agreement.

"Subscription" means a Product purchased for recurring access and billed at the interval disclosed in Ruba Checkout until canceled or otherwise ended.

"Transaction" means a completed sale of a Product by Ruba to a Buyer through Ruba Checkout.

"Transaction Taxes" means sales tax, use tax, value-added tax, goods and services tax, and similar indirect transaction taxes charged on a Transaction. Transaction Taxes do not include income, business, payroll, property, or other direct taxes.

1. Scope, Priority, and Separate Types of Dispute

1.1. This Policy applies only to a Transaction completed through Ruba Checkout. It does not govern a purchase made directly from a Seller or through another merchant, payment service, website, or application.

1.2. Transaction-specific refund eligibility, trial terms, billing intervals, and cancellation disclosures shown in Ruba Checkout form part of the Buyer Terms. A Seller's Product Terms may grant additional Product-specific rights but cannot reduce Ruba's obligations as Merchant of Record, authorize an off-platform refund, or override this Policy, the Buyer Terms, or a right that applicable law makes mandatory.

1.3. If this Policy conflicts with the Buyer Terms concerning a Buyer, the Buyer Terms control. If it conflicts with the Seller Agreement concerning a Seller, the Seller Agreement controls. A transaction-specific disclosure that expressly gives a Buyer a more favorable refund or cancellation right will be honored. Applicable law controls to the extent it cannot lawfully be varied by agreement.

1.4. In this Policy, a payment dispute means a billing dispute or Chargeback concerning a Transaction. A legal claim between Ruba and a Buyer or Seller is governed by the notice, governing-law, arbitration, and other dispute-resolution provisions of the Buyer Terms or Seller Agreement, as applicable.

1.5. This Policy does not make a Buyer a third-party beneficiary of the Seller Agreement or make a Seller a third-party beneficiary of the Buyer Terms.

2. Refund Eligibility

2.1. Unless Ruba Checkout or the Product Information expressly provides a refund right or applicable law requires one, a completed Transaction is final and non-refundable after the Product has been delivered, made available, downloaded, accessed, or used.

2.2. Subject to the applicable terms and law, Ruba may issue a full or partial refund where:

• a disclosed refund term entitles the Buyer to one;
• the Product was not delivered, was materially misdescribed, or has a material defect that the Seller does not remedy;
• the Transaction was unauthorized, fraudulent, duplicative, or charged in an incorrect amount;
• Ruba canceled an order after collecting payment and no amount is lawfully due for completed or partial performance;
• the Seller fails to provide required Product Support or information needed to resolve the request;
• a refund is required by applicable law, Network Rules, a Payment Processor, or a competent authority; or
• Ruba determines that a refund is appropriate to protect a Buyer, correct an error, prevent an expected Chargeback, reduce loss, or address the circumstances of the Transaction.

2.3. Unless a disclosed term or applicable law provides otherwise, Ruba may deny a refund where the Product was delivered as described and the request is based only on a change of mind, non-use, failure to cancel before a renewal, dissatisfaction that does not involve a material defect or misdescription, or circumstances outside Ruba's or the Seller's control.

2.4. Ruba may also deny a discretionary refund where the request is untimely under a disclosed refund period, materially incomplete, fraudulent, abusive, manipulative, connected to misuse of the Product, or seeks recovery of an amount already recovered through another refund, credit, Chargeback, insurer, Payment Processor, or other channel.

2.5. Ruba's ability or decision to issue a discretionary or Chargeback-prevention refund during a particular period does not create a guaranteed refund window or entitlement for every Buyer. A refund granted in one case does not require Ruba to grant another refund in the same or different circumstances.

2.6. Products sold through Ruba at launch are digital offerings rather than physical goods. There is therefore no physical return or exchange process. Where applicable law grants a remedy resembling return, replacement, repair, withdrawal, or price reduction for a digital Product, Ruba will administer the legally required remedy.

3. How a Buyer Requests a Refund

3.1. A Buyer may request a refund by contacting support@getruba.com. The request should include the order number or receipt information, the email address used for the Transaction, the Product, the amount in question, the reason for the request, and relevant supporting information.

3.2. For a Product-delivery, functionality, or support problem, the Buyer may also contact the Seller using the Product Support information provided with the Product. Contacting the Seller may allow faster technical resolution, but it is not a condition to requesting a refund from Ruba or exercising a right that applicable law makes non-waivable.

3.3. Ruba may request information reasonably needed to identify the Transaction, prevent unauthorized disclosure, evaluate eligibility, confirm delivery or use, investigate suspected fraud or abuse, or comply with law and Network Rules. Failure to provide information necessary to decide a discretionary request may result in delay or denial.

3.4. The Seller may submit or recommend a refund through the Services. The Seller must not directly collect or return payment outside Ruba for a Transaction completed through Ruba Checkout.

3.5. Submitting a request does not guarantee approval. Ruba administers the request and makes the final decision, subject to the Buyer Terms, the transaction-specific disclosures, applicable law, and Network Rules.

4. Review and Decision

4.1. Ruba may consider the Product Information, the nature and delivery status of the Product, the disclosed refund terms, the timing and reason for the request, Product access or use, information supplied by the Buyer and Seller, support records, prior refunds or Chargebacks, fraud or abuse indicators, Network Rules, and applicable law.

4.2. Ruba may ask the Seller to provide Product Support, confirm fulfillment, replace access, correct a defect, or provide relevant records. Under the Seller Agreement, the Seller must respond to Ruba within 48 hours, or sooner where a legal, network, processor, or Chargeback deadline requires it. Ruba may decide the request without the Seller's response where the Seller does not respond in time.

4.3. Ruba may approve a full refund, approve a partial refund, require the Seller to provide replacement access or another lawful remedy, or deny the request. Ruba may condition a discretionary resolution on ending or modifying corresponding Product access to prevent duplicate benefit.

4.4. Ruba will not deny, condition, or restrict a refund, cancellation, warranty, withdrawal right, Chargeback right, or other remedy that applicable law makes mandatory.

5. Refund Method, Timing, and Access

5.1. An approved monetary refund will be submitted through the original payment flow to the original payment method. Ruba may require verification reasonably necessary to prevent fraud or payment to the wrong person. If the original method cannot receive the refund, Ruba will determine the next step supported by the payment flow and required by applicable law.

5.2. Ruba may initiate a refund promptly after approval, but the Payment Processor, Card Network, issuing institution, or other financial institution controls part of the processing and posting time. Ruba does not guarantee the date on which an approved refund will appear in the Buyer's account.

5.3. Transaction Taxes will be refunded, reversed, or adjusted to the extent required by applicable law and in proportion to an approved partial refund where applicable.

5.4. A full refund may result in immediate revocation of Product access, license keys, files, benefits, or related entitlements. A partial refund may result in a corresponding adjustment where technically and contractually appropriate. Continued use after access has lawfully ended may violate the Buyer Terms or Product Terms.

5.5. A refund of a payment associated with a Subscription does not by itself cancel the Subscription or stop future renewal charges. The Subscription must be canceled separately under Section 6.

5.6. A Seller remains responsible for the refunded amount and applicable costs under the Seller Agreement. Unless the Fee Schedule or applicable law states otherwise, processing and Ruba Fees associated with a completed Transaction are not returned when a Transaction is refunded or becomes subject to a Chargeback because Ruba and its providers have already performed the associated processing and commerce services. This does not reduce the amount of an approved refund owed to the Buyer.

6. Subscription Cancellation

6.1. A Buyer may cancel a Subscription through the Ruba Buyer portal or another cancellation method Ruba makes available, including by contacting support@getruba.com. Ruba may require information reasonably necessary to identify the Buyer and Subscription but will not require information unrelated to cancellation.

6.2. To avoid the next renewal charge, the Buyer must complete cancellation before that charge is initiated. A cancellation request received after a renewal charge does not automatically reverse or refund that charge.

6.3. Unless Ruba Checkout states otherwise or applicable law requires a different result, cancellation stops future renewal charges and takes effect at the end of the then-current paid billing period. The Buyer retains Product access through that period, subject to the Buyer Terms and Product Terms.

6.4. Cancellation does not itself create a right to a refund for the current or any earlier billing period. A refund request is evaluated separately under this Policy.

6.5. Ruba will acknowledge or confirm cancellation as required by applicable law. A Buyer should retain the confirmation and promptly contact Ruba if another renewal charge occurs after the effective cancellation date.

6.6. Ruba or the Seller may end Product access immediately where the Buyer requests immediate termination, a corresponding full refund is issued, the payment is reversed or subject to a Chargeback, the Buyer materially breaches applicable terms, continued access is unlawful or unsafe, or immediate action is otherwise permitted by the Buyer Terms or applicable law. Immediate termination does not itself create a refund right.

6.7. A Seller may initiate a period-end cancellation or immediate revocation through the Services where permitted. Ruba remains responsible for administering the Transaction and any required Buyer remedy; the Seller must not use cancellation to avoid a refund or other right that is mandatory or was expressly disclosed to the Buyer.

7. Trials, Promotions, Renewals, and Price Changes

7.1. Ruba Checkout will disclose the duration of an offered trial or promotional period, when it converts to paid access, the recurring price and billing interval, and how to cancel. The Buyer must cancel before the disclosed conversion time to avoid the first paid charge.

7.2. Failure to use a Subscription, failure to remember a renewal date, or failure to cancel before a disclosed trial conversion or renewal does not itself create a refund right. Ruba may nevertheless grant a discretionary refund or provide a refund where applicable law or the checkout disclosure requires one.

7.3. Ruba will provide renewal reminders where applicable law requires them. A failure to receive an optional reminder does not change a disclosed renewal date, but this sentence does not excuse a reminder or remedy that applicable law makes mandatory.

7.4. A material Subscription price increase applies only prospectively. Ruba will provide advance notice and obtain affirmative consent where required by applicable law. The Buyer may cancel before the increased price applies.

8. Billing Errors and Chargebacks

8.1. A Buyer should promptly contact support@getruba.com if the Buyer does not recognize a charge, was charged an incorrect amount or more than once, did not receive the Product, or believes a refund or cancellation was processed incorrectly.

8.2. Contacting Ruba first may resolve the matter faster and reduce unnecessary fees, but it is not a condition to exercising a Chargeback, billing-error, government-complaint, or other right that applicable law makes non-waivable.

8.3. The Buyer retains Chargeback and billing-error rights provided by applicable law, Network Rules, and the Buyer's agreement with the issuing institution. Ruba may provide the institution with order, consent, payment, delivery, access, refund, cancellation, support, and communication records relevant to the Chargeback.

8.4. The Buyer must provide truthful information and must not knowingly initiate a false, fraudulent, abusive, or duplicative Chargeback. Ruba may contest a Chargeback it believes is invalid, suspend or terminate associated Product access, restrict future Transactions, reverse a duplicative Ruba-issued credit where permitted by law, and recover amounts or proven direct losses recoverable under the Buyer Terms or applicable law.

8.5. A Buyer must not obtain or retain duplicate recovery for the same amount through a Ruba refund or credit and a Chargeback, insurer, Payment Processor, Seller, or other channel. The Buyer must promptly notify Ruba if duplicate recovery occurs.

8.6. A Chargeback does not by itself cancel every related Subscription, waive Ruba's or the Buyer's rights concerning the underlying Transaction, or determine the outcome of a separate legal claim.

9. Seller Responsibilities for Refunds and Chargebacks

9.1. A Seller must publish accurate Product Information and clearly disclose Product fulfillment, Product Support, refund eligibility, recurring charges, billing frequency, trial or promotional terms, and cancellation methods as required by the Seller Agreement and applicable law.

9.2. A Seller must promptly provide truthful and complete information requested by Ruba to investigate a refund, cancellation, billing error, complaint, or Chargeback. Ruba controls whether and how a Chargeback is accepted or contested and does not guarantee a successful outcome.

9.3. Ruba may issue or require a refund, cancel a Transaction or Subscription, accept a Chargeback, revoke Product access, or take another measure permitted by the Seller Agreement where the Seller does not fulfill or support the Product, does not respond within the applicable deadline, violates the disclosed terms, creates excessive refund or Chargeback risk, or where Ruba otherwise determines action is appropriate under the Seller Agreement.

9.4. The Seller authorizes Ruba to debit refunds, credits, Chargebacks, reversals, and associated provider costs from the Seller's balance, reserve, future proceeds, or authorized payment method as provided in the Seller Agreement. The Seller remains liable for a shortfall and for other amounts recoverable under that agreement.

9.5. A Seller policy may offer Buyers rights more favorable than this Policy. It may not state or imply that Ruba lacks authority to administer a Transaction, refund, cancellation, or Chargeback; require an off-platform refund; restrict a mandatory Buyer right; or contradict Ruba Checkout, the Buyer Terms, or this Policy.

10. Mandatory Consumer Rights

10.1. Some jurisdictions provide non-waivable consumer guarantees, statutory warranties, cooling-off or withdrawal rights, automatic-renewal protections, cancellation rights, or remedies for Products that are defective, misdescribed, or not delivered. Those rights apply where legally required and override an inconsistent provision of this Policy.

10.2. A statutory withdrawal right for digital content or a digital service may depend on whether performance began, whether the Buyer expressly requested immediate performance, and whether the Buyer validly acknowledged a resulting loss of the withdrawal right. Ruba will apply the rule required for the particular Transaction and jurisdiction.

10.3. Nothing in this Policy requires a Buyer to waive a right that cannot lawfully be waived or prevents a Buyer from contacting a government authority.

11. Changes, Records, and Contact

11.1. Ruba may update this Policy prospectively. Ruba will update the "Last updated" date and provide any additional notice or obtain any consent required by applicable law.

11.2. An update does not retroactively reduce a refund or cancellation right governing a completed one-time Transaction. For an active Subscription, a material update will apply prospectively after notice and consent where required by applicable law.

11.3. Ruba may retain records of Transaction disclosures, Buyer acceptance, fulfillment, Product access, refund and cancellation requests, communications, decisions, Chargebacks, and related evidence as permitted by the Privacy Notice, applicable law, and the applicable agreement.

11.4. Questions about Product functionality, delivery, or use should be directed to the Seller using its Product Support information. Questions and requests concerning payment, refunds, cancellations, billing errors, or Chargebacks should be directed to Ruba.

Contact

RUBA GLOBAL LLC
99 Green Grove Ave
Keyport, New Jersey 07735
Refund, cancellation, billing, and Chargeback support: support@getruba.com
Legal notices and Policy questions: legal@getruba.com