Chargeback & Fraud Prevention Policy

Chargeback & Payment Dispute Agreement

By placing an order with Me, Myself and Moissanite Jewelry, you expressly agree to the following:

You agree to contact us directly to resolve any issue prior to initiating a chargeback, payment reversal, or dispute with your bank or payment provider.

Failure to contact us prior to filing a dispute may be considered a violation of our Terms of Service.

Binding Policy Acknowledgment

By completing checkout, you confirm that you have read and agreed to:

• Our Shipping Policy

• Our Returns & Refund Policy

• Our Warranty Policy

• Our Delivery & Liability Terms

These policies are binding at the time of purchase.

Chargeback Abuse & Fraud

The following actions constitute chargeback abuse and/or fraudulent activity:

• Filing a dispute for an order marked “Delivered” by the carrier

• Filing a dispute outside of our 30-day return window

• Claiming non-receipt when delivery confirmation exists

• Attempting to bypass stated return or warranty policies

• Filing a dispute after receiving a refund, replacement, or store credit

• Unauthorized transaction claims where billing details match the customer

We reserve the right to vigorously dispute any invalid chargeback.

Evidence Submission

In the event of a dispute, we may submit the following evidence to the payment processor:

• Order confirmation and receipt

• Tracking and delivery confirmation

• Carrier GPS confirmation (when available)

• Customer communication records

• IP address and fraud screening data

• Billing and shipping address verification

• Device and checkout authentication logs

Collections & Legal Remedies

If a chargeback is ruled in our favor and funds are reversed improperly, or if fraudulent activity is determined, we reserve the right to:

• Send unpaid balances to collections

• Report fraudulent activity where applicable

• Pursue legal remedies to recover losses, fees, and administrative costs

Account Restriction

Customers who initiate fraudulent or abusive disputes may be permanently restricted from future purchases.

✨ We are committed to fairness and transparency. However, we equally protect our business from misuse and fraud. ✨