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Effective Date: February 9, 2026
Version: 1.0
This Policy explains how PassCash handles refund requests, disputes, unauthorized transactions, and chargebacks. PassCash acts as a technology platform and certain regulated services are provided through licensed third-party financial institutions and payment partners.
PassCash means PassCash Investing LLC. User means any individual or business using the platform. Third-Party Provider means licensed banks, payment processors, card issuers, KYC providers and other service providers supporting PassCash. Refund means the return of funds where approved. Dispute means a claim regarding an unauthorized or incorrect transaction.
Applies to all PassCash users and services including wallets, cards, merchant payments, transfers, currency exchange and related services.
Refund requests are reviewed individually and may be approved where supported by applicable law, payment network rules or partner requirements. Refund eligibility depends on the transaction type and investigation results.
Examples include duplicate payments, processing errors, unauthorized transactions confirmed after investigation, and failed transactions where funds were debited but the service was not completed.
Generally includes authorized transfers to incorrect recipients, disclosed fees, market losses, and merchant quality disputes unless required by law or partner rules.
Users should report disputes promptly and provide transaction references and supporting information. Delayed reporting may affect eligibility under partner rules.
Card disputes are forwarded to the issuing institution and processed under applicable card network rules.
Users should secure their account immediately and notify PassCash. Identity verification may be required during the investigation.
Users should first contact the merchant. PassCash may assist where possible but cannot guarantee a refund.
Transactions delayed by networks or partners will be investigated and reversed where appropriate.
PassCash may temporarily restrict funds or accounts during fraud, compliance or security investigations.
Approved refunds are generally returned to the original payment method. Processing times depend on financial institutions and payment partners. Cash refunds are not provided unless required by law.
PassCash may review logs, security data, account history and partner information. Users must cooperate and provide requested documentation.
Users should contact PassCash before filing a chargeback. Fraudulent chargebacks may result in account restrictions or recovery actions.
PassCash uses monitoring, verification and risk controls to detect suspicious activity and may suspend transactions where necessary.
Some services are delivered through licensed partners. Their policies and regulatory obligations may determine the final outcome of disputes or refunds.
Nothing limits statutory consumer rights. To the fullest extent permitted by law, PassCash is not liable for indirect losses or delays caused by third-party providers or events outside its reasonable control.
PassCash cooperates with applicable laws, regulators and financial partners during investigations.
Dispute records are retained for the period required by applicable law or partner obligations.
This Policy may be updated to reflect changes in laws, services or partner requirements.
Support: support@passcash.org
Website: passcash.org
