1. All transactions must be conducted using a valid payment method that belongs to the account holder. The cardholder’s name must match the registered account details. Any mismatch or inconsistency may be treated as a potential security risk.
2. We maintain a strict zero-tolerance policy toward fraudulent or suspicious activity. If any transaction is identified as potentially unauthorized, fraudulent, or irregular, it will be subject to immediate review and may be declined or reversed at our discretion.
3. Accounts found to be associated with suspicious behavior, fraudulent activity, or security breaches may be temporarily or permanently suspended without prior notice to protect both the customer and our platform.
4. All payments made toward pre-funded deposits for services are strictly non-refundable. This includes, but is not limited to, cases involving disputed, unauthorized, or illegitimate transactions initiated by the cardholder or associated parties.
5. By completing a transaction, the cardholder confirms that all details provided are accurate, that they are the authorized user of the payment method, and that they agree to our terms and conditions, including compliance requirements and our non-refund policy in cases of fraud or misuse.
This Non-Refund Policy (“Policy”) governs all payments, transactions, and financial activities conducted through Lubypay’s finance marketplace services accessible via web and mobile applications (“Services”).
By accessing or using Lubypay, and by initiating any transaction, you (“User”) expressly agree to be legally bound by this Policy.
This Policy forms an integral part of the Lubypay Terms & Conditions and applies to all users, transactions, and payment activities without exception.
All payments made on Lubypay are for the purpose of accessing and utilizing digital financial marketplace services, including but not limited to:
Such transactions are classified as:
Upon successful payment processing, the service is considered instantly delivered and fully executed.
Lubypay enforces a zero-tolerance, strict no-refund policy for all transactions made through its platform.
Under no circumstances will refunds be issued, including but not limited to:
All transactions are deemed final at the moment of successful payment authorization, and cannot be reversed, refunded, or credited back to the original payment method.
Refunds will only be processed for customers who have contacted both our account and support teams and have not received the requested services.
By initiating and completing a transaction, the user explicitly acknowledges and agrees that:
Lubypay shall bear no liability for:
Failure to review the Policy does not invalidate its enforceability.
Before completing any transaction, users are required to provide affirmative and explicit consent to this Policy.
This includes acknowledgment of the following statement:
“I understand and agree that all payments made for Lubypay finance marketplace services are final and non-refundable.”
This consent:
Transactions cannot proceed without this consent.
A transaction is considered successfully delivered and fulfilled when:
At this stage:
Due to the instantaneous and digital nature of these services, reversal is not technically or operationally feasible.
Users are responsible for maintaining the confidentiality and security of their:
In the event of suspected unauthorized activity:
Lubypay reserves the right to investigate and provide evidence including:
If a transaction is verified as:
It shall be deemed legitimate and non-refundable.
By agreeing to this Policy, users acknowledge that:
Evidence submitted may include:
Lubypay further reserves the right to:
Any attempt to:
Will be treated as a serious violation of Lubypay’s Terms.
Actions may include:
No refunds shall be issued under any circumstances, except:
Any exception granted:
Lubypay reserves the right to modify this Policy at any time.
The latest version will always be available at:
https://lubypay.com/terms-and-conditions
Continued use of the Services constitutes acceptance of any updates.
This Policy is designed in alignment with:
By using Lubypay, users agree that:
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Disclaimer: This service is provided on an “as is” and “as available” basis. LubyPay disclaims all liability and makes no express or implied representation or warranties of any kind in relation to the service including but not limited to: an availability, an accessibility, time lines, and uninterrupted use of the service; and sequence, accuracy, completeness, timeliness or the security of any data or information provided to you as part of the service. For more details and definitions, please refer to terms and conditions.
