Chargeback and Fraud Mitigation Policy

1. Status and Scope

Shush Buddy payment features are not currently active. This policy describes the planned approach if payments are enabled and will be updated to identify the payment provider and final procedures before launch. It does not replace any rights or procedures provided by your bank, card issuer, payment provider, or applicable law.

2. Fraud Prevention

We work to detect and prevent unauthorized payments, account compromise, payment abuse, and attempts to test stolen payment credentials. If payments are enabled, we and our payment provider may review transaction details, account activity, and relevant security signals; apply transaction or account limits; request additional verification; delay or decline a payment; or restrict payment access when reasonably needed to protect users and the service.

We use payment information only as described in the Privacy Policy and applicable provider terms. Shush Buddy does not ask users to send full card numbers or security codes through messages, reports, or support email.

3. Reporting Unauthorized Activity

If you do not recognize a charge or believe your account or payment method has been used without authorization, contact your bank or card issuer promptly and contact us at support@shushbuddy.app. Include the transaction date, amount, and receipt or transaction reference if available. Do not send full card numbers, security codes, passwords, or one-time authentication codes.

We will review the information, work with the payment provider as appropriate, and take steps permitted by law to secure affected accounts and correct confirmed errors.

4. Billing Disputes and Chargebacks

If you have a billing question, you may contact us so we can investigate. Contacting Shush Buddy first is optional and is not a condition for contacting your bank, card issuer, or payment provider, or for exercising any legal right to dispute a transaction.

We may provide relevant transaction records to the payment provider when responding to a dispute. A chargeback or dispute is not, by itself, proof of fraud or a reason to penalize an account. We may investigate credible evidence of intentional payment fraud or abuse and take proportionate action consistent with our Terms of Use, provider requirements, and applicable law.

5. Reviews and Records

We may retain transaction, support, and dispute records for the period needed to investigate a report, administer payments, meet accounting or legal obligations, and protect users, consistent with the Privacy Policy and applicable retention requirements. Access is limited to people and service providers who need the information for these purposes.

6. Contact

For payment questions or to report suspected payment fraud, contact support@shushbuddy.app. For a charge you do not recognize, also contact your bank or card issuer promptly.