Unfortunately there are some people with the attitude that everything in life should be handed to them. In order to detur these people from trying to get a handout from us we must have a very stern policy on chargebacks and disputes. The charge that will appear on your credit card statement will be “Unlock to Talk” or “Unlock2Talk”.
Unlock to Talk, INC. does not tolerate credit card fraud, and all fraud, without exception, will be prosecuted to the full extent of the law. In addition, we will pursue civil legal action seeking any loss of income related to the fraud, including business, legal fees, research costs, employee down time and loss of revenues.
Unlock to Talk, INC. considers credit card charge backs to be fraud if you have made no reasonable effort to work with us to resolve any problems with your purchase. All frivolous chargebacks not only cost our employees time away from our usual and customary matters of conducting normal business, but cost us money, therefore:
You agree that if you, the buyer, choose to do business with Unlock to Talk, INC., and you file a charge back with your credit card company, and you do not win the charge back argument, you agree to pay us $150 for our time responding to the matter. You, the buyer authorize us to charge this amount to your credit card. If this charge is rejected, Unlock to Talk, INC. will pursue legal action to recoup losses for our time associated with responding to the charge back in addition to any other fees explained above. You agree to reimburse us or any representative we may appoint for any legal expenses your actions may make us incur. We take fraud seriously. If any provision of this Agreement is deemed illegal, invalid, or unenforceable, the remaining provisions shall remain in full force and effect. The waiver of a breach hereunder does not waive any other or subsequent breach.
In the event that you win the charge back with your credit card company, and have received an unlock code without providing us with evidence that it did not work, Unlock to Talk, INC. will attempt to recover fraudulently disputed charges plus additional costs via a third-party collection agency and your account will be reported to all credit bureaus as a delinquent collection account. This may severely damage your credit rating for at least the next seven (7) years. At this point, we will no longer accept a settlement for the debt and will only accept a $150 fee to reimburse us for legal costs and research time spent to prove that you did infact receive the unlock code without providing any evidence that it did not work. In addition to this, Unlock to Talk, INC. will file a report with your local police or sheriff’s department for credit card fraud and theft of services.
To avoid all of the hassle that a credit card charge back will cause you, just don't file one. Instead, please work with us in a calm and civil manner to resolve any issue that may arise.