---

Chargeback and Refund Setoff Policy

1. XenoStep's Authority

XenoStep has the sole right to issue refunds, respond to chargebacks, decide customer remedies, and communicate with payment processors, card networks, banks, and customers about payment disputes. The Supplier may not override XenoStep's refund or chargeback decisions.

2. Refund Setoff Calculation

When XenoStep issues a refund for a product sold through the platform, XenoStep may deduct the refunded amount from the Supplier Fee for the relevant period or any later period. XenoStep may also apply reserves or other contractual setoff rights to cover the refund.

3. Chargeback Setoff

For a chargeback, XenoStep may deduct the disputed amount plus the Stripe dispute fee from the Supplier Fee, reserves, or later payable amounts. XenoStep may also deduct related costs, penalties, investigation costs, or customer remediation costs where permitted by the Supplier agreement.

4. Notification

XenoStep will notify the Supplier within five (5) business days after XenoStep becomes aware of a chargeback that relates to the Supplier's product, unless legal, payment network, fraud, or investigation concerns require delayed or limited notice.

5. Dispute Process

The Supplier may provide evidence within ten (10) days after XenoStep's notice. Evidence may include product delivery records, customer communications, usage logs, refund policy disclosures, cancellation records, or other materials requested by XenoStep.

XenoStep decides what evidence to submit and whether to contest or accept a dispute.

6. High Chargeback Rate

A chargeback rate above 0.3% may trigger enhanced review, reserve increase, product review, support changes, or marketing changes. A chargeback rate above 1% may trigger suspension, termination, payment hold, or processor escalation.

XenoStep may act sooner if dispute patterns suggest fraud, deception, product failure, or consumer harm.

7. Negative Amounts

If refunds, chargebacks, fees, reserves, penalties, or other setoffs exceed the Supplier Fee for a period, the remaining amount may be carried forward to the next period and deducted from later Supplier Fees or other payable amounts.

8. Controlling Language

This Policy is prepared in English. A Korean translation may be provided for reference convenience only. If there is any conflict or inconsistency between the English version and any translation, the English version controls in all respects.