Refund & Dispute Policy

Effective Date: September 15, 2025 · AD-X Live ("Company")

1. Payment Policy

• Payments between brands and creators are final once processed and milestones are verified.
• All payments are processed through secure third-party providers (Razorpay, Stripe, Cashfree).
• The Company does not hold, control, or guarantee any payments between Users.

2. Refund Eligibility

Refunds are only issued in the following circumstances:

• Proven technical errors caused directly by the Platform (e.g., double charges, system failures)
• Unauthorized transactions — reported within 48 hours of occurrence
• Service not delivered — where the Platform failed to facilitate a service it explicitly committed to

Refunds are not available for:

• Dissatisfaction with campaign results or creator performance
• Changes of mind after payment
• Third-party payment processor errors
• Disputes between Users

3. Refund Process

1. Submit a refund request to liveadx@gmail.com with transaction details and reason.
2. Requests are reviewed within 7 business days.
3. Approved refunds are processed within 14 business days to the original payment method.
4. The Company's decision on refund eligibility is final.

4. Dispute Resolution

1. Disputes between Users must first be attempted to be resolved mutually through the Platform's messaging system.
2. If unresolved within 14 days, either party may escalate to the Company by emailing liveadx@gmail.com.
3. The Company may, at its discretion, review evidence from both parties and issue a resolution.
4. The Company's decision shall be final and binding.

5. Escrow & Milestone Payments

• Brand payments are held in escrow until campaign milestones are verified and approved.
• Milestone verification is based on deliverables agreed upon at campaign creation.
• Funds are released to creators upon milestone approval by the brand.
• Disputed milestones are subject to the dispute resolution process above.

6. Wallet Policy

• Wallet balances are non-transferable and non-refundable.
• Wallet funds can only be used for Platform services.
• Inactive wallets may be subject to maintenance fees after 12 months of inactivity.

7. Chargebacks

Users who initiate chargebacks through their bank or payment provider without first following the dispute resolution process may have their accounts suspended or terminated.