Chargeback Policy

CHARGEBACK POLICY

At AllRJ.com, we strive to provide excellent customer service and resolve any issues that may arise regarding your transactions on our website. We encourage you to contact us directly for immediate assistance in case of any concerns related to fraudulent use of your credit card, debit card, or payment method, order returns, cancellations, or any other inquiries.

Prevention

1.1. If we determine, in our reasonable discretion, that a chargeback is likely for any transaction on AllRJ.com, we may temporarily withhold the transaction amount until the period during which you may dispute the transaction has expired, the chargeback has been processed, or we establish that a chargeback will not occur.

CHARGEBACKS

2.1. AllRJ.com accepts various payment methods as published on our website. By clicking "I Agree" during each payment transaction, you authorize us to charge your credit card or payment method, and in doing so, you waive any right to file a chargeback for any reason except in cases of fraud. This also includes Force Majeure events as defined in the Terms and Conditions, and you agree to abide by this Chargeback Policy.

2.2. By using our website, you agree not to file a chargeback for any amounts charged to your credit card, debit card, or payment method. If you wish to dispute an order or charge, you must initiate a Return or Cancellation process, not a Chargeback.

2.3. If you initiate a Chargeback for a payment that you or an authorized user of your card or payment method have made, you consent to us recovering the amount of the Chargeback through any necessary means, including but not limited to recharging your card or payment method or seeking assistance from a collection agency.

2.4. Should you initiate a Chargeback with a Payment Method provider for a received Product or Service that you indeed owe payment for, and you successfully recover the disputed funds, which would otherwise be owed to us, we reserve the right to provide documentation to the Payment Method provider proving that you received the Product or Service. We may also, at our discretion, dispute such Chargeback through all available means, including involving third-party debt collection services, and you may be responsible for the cost of collection.

2.5. Additionally, if a Chargeback dispute is initiated, we reserve the right to issue an invoice or bill for any Product or Service sold and delivered to you. You agree to pay the invoice or bill in full, and failure to do so may lead to us pursuing legal and equitable remedies available by law.

2.6. You acknowledge and agree that if any Chargebacks are imposed on us by a Payment Method provider or third parties, including associated fees, fines, expenses, or penalties, as well as any processing or other fees incurred, we may recover these amounts by debiting your account or offsetting them against any amount owed to you.

Contesting Chargebacks

3.1. In the event of a Chargeback, you agree to cooperate and provide any necessary information requested by AllRJ.com for the purpose of investigating and/or contesting the Chargeback. The information requests will be sent to the email address provided by you, and you must respond fully within fourteen (14) days, or within any other specified timeframe.

3.2. The termination of AllRJ.com's website, products, or services' availability to you for any reason will not affect our right to contest and recover Chargebacks from you or any party providing a guarantee or security relating to your obligations under this policy. Return of "Product Not As Described"

4.1. You agree not to file a Chargeback claiming "Product Not As Described." Instead, for disputes, you must initiate a Return or Cancellation process. 4.2. If the Payment Method provider resolves a Chargeback in your favor, you must return the Product to AllRJ.com at your own expense. The Product should be returned in its original packaging within 14 (fourteen) days of purchase, accompanied by the receipt or proof of purchase ("Return Period"). After the Return Period has passed, you waive the right to file a Chargeback or Return.

4.3. To be eligible for a return, the Product must meet the following conditions:

4.3.1. The Product must be unused.

4.3.2. The Product must be in its original state and packaging with the original tags attached.

4.3.3. Stickers on the Product box or packaging should not be removed or altered in any form.

4.4. We do not accept returns or exchanges for Products obtained from sources other than AllRJ.com or Products damaged due to abuse or negligence (e.g., exposure to chemicals, caustic substances, open flame, high heat, sharp objects, etc.).

4.5. You are responsible for ensuring the safe return of the Product to us. AllRJ.com cannot be held liable for any loss, damage, theft, breakage, delay, or failure to deliver caused by the shipping company. If we do not receive the returned Product in the same condition as you sent it, we may not be liable for processing a refund.

4.6. You must prepay and insure all return shipping charges. Shipping and handling charges are non-refundable.

4.7. Once we receive the returned Product, our team will inspect it to process any applicable refunds or replacements.

Chargeback Fraud

5.1. Chargeback fraud occurs when a customer attempts to dispute a charge for a Product or Service that they have actually purchased. Attempting to dispute a valid credit card charge in this manner is fraudulent and illegal. AllRJ.com takes Chargeback Fraud seriously and follows this procedure in such cases:

5.2. If you initiate a dispute for a valid charge, we will first contact you directly to address the issue, as many disputed charges are a result of customers not recognizing the charge on their statements. Upon receiving our communication, you will have ten (10) calendar days to reverse the dispute.

5.3. If you do not reverse the dispute or attempt to resolve the situation, we will file a police report with your local authorities and pursue criminal charges against you.

5.4. In addition, your account may be turned over to a collection agency, and your delinquent account status may be reported to major credit bureaus. 5.5. If the situation remains unresolved, we reserve the right to file a civil lawsuit against you to recover the disputed amount, bank fees related to the Chargeback, additional damages for the harm caused to our merchant credit record, and punitive damages, as credit card fraud is treated seriously by the courts.

Chargeback Abuse Policy

6.1. You agree not to abuse the Chargeback policy of any Payment Method provider or this Chargeback Policy of AllRJ.com. 6.2. In the event you file a Chargeback, and it is resolved in favor of AllRJ.com by the Payment Method provider, you must immediately terminate the Chargeback with the Payment Method provider and reimburse AllRJ.com for any costs incurred in researching and responding to the Chargeback. This includes actual costs paid to the credit card processor or our banks, expenses paid to other third parties, and the reasonable value of the time of our employees and owners spent on the matter, as determined in our discretion in good faith.

6.3. If a Chargeback is placed or threatened on a purchase, AllRJ.com reserves the right to report the incident to Chargeback abuser databases of our choosing and in our sole discretion. The information reported may include your name, email address, order date, order amount, IP address, full address, and phone number. Being listed in such databases may make it challenging or even impossible for you to use credit cards for future purchases with AllRJ.com or other merchants. If you wish to be removed from the database, you must make payment to AllRJ.com for any outstanding amount owed, plus an additional $150 for processing and handling, via wire transfer or any other means specified by us. All legal and collection fees accrued during this process will be added to the total collection amount owed.

6.4. It is important to note that unresolved Chargeback abuse issues will be reported to major credit bureaus, Chargeback abuser databases, and collection companies. This could severely damage your credit rating for up to seven years.

At AllRJ.com, we take these policies seriously to ensure fair and transparent transactions for all our customers. We encourage open communication and aim to provide satisfactory resolutions to any concerns or disputes you may have. We request your cooperation in adhering to this Chargeback Policy, as it helps us maintain a secure and trustworthy online shopping environment.

For any questions or assistance related to our Chargeback Policy or any other matter, please don't hesitate to contact our Customer Support team at support@allrj.com or use the contact details provided on our website.

By using AllRJ.com and completing a transaction, you agree to abide by the terms and conditions outlined in this Chargeback Policy. We appreciate your trust in our services and strive to ensure your satisfaction with every purchase. Thank you for being a valued customer of AllRJ.com.