Refund & Chargeback Policy

Effective Date: 01/12/ 2025

1. Purpose, Scope, and Legal Character of this Policy

1.1. This Refund & Chargeback Policy (the “Policy”) constitutes a legally binding document governing the handling, review, assessment, and resolution of refund requests and payment chargeback disputes arising from transactions conducted through the website https://ironskinz.r-one.dev (the “Platform” or the “Service”).

1.2. The Platform is owned and operated by DIGISKINS LTD, a private limited company incorporated under the laws of England and Wales (the “Company”, “we”, “us”, or “our”).

1.3. The Company operates a digital marketplace and technical infrastructure enabling Users to obtain intangible digital goods, specifically virtual in-game items for Counter-Strike 2 (commonly referred to as “Skins”).

1.4. Due to the inherent characteristics of digital goods, including immediate electronic delivery, irreversible transfer of control, and the absence of physical form, traditional consumer return mechanisms are not technically or legally applicable in the same manner as they are for physical products.

1.5. This Policy exists to:

  • safeguard legitimate consumer rights;
  • define clear eligibility limitations for refunds;
  • prevent fraud, abuse, or unjustified chargebacks;
  • ensure compliance with applicable laws and regulatory requirements.

1.6. By accessing or using the Service, the User explicitly confirms acceptance of this Policy in its entirety.

2. Relationship Between the Company and Payment Service Providers

2.1. All monetary transactions conducted via the Service are processed exclusively through independent third-party Payment Service Providers (“PSPs”).

2.2. The Company:

  • does not operate as a payment institution;
  • does not act as a merchant of record;
  • does not receive, store, safeguard, or control User funds;
  • does not provide escrow or wallet services.

2.3. Once a User initiates a payment:

  • funds are transferred directly between the User and the PSP;
  • the Company has no physical or legal possession of funds at any stage.

2.4. Any refunds or chargeback outcomes are subject not only to this Policy but also to:

  • contractual arrangements between the User and the PSP;
  • internal dispute resolution mechanisms of banks and PSPs;
  • applicable national or supranational regulations.

3. Territorial and Jurisdictional Applicability

3.1. This Policy applies to all Users globally, without limitation, regardless of:

  • nationality or residency;
  • location at the time of transaction;
  • currency used or payment method selected.

3.2. The Policy is designed to comply with:

  • the laws of England and Wales;
  • applicable UK consumer and data protection legislation;
  • relevant European Union regulations where required;
  • international anti-fraud and payment integrity frameworks.

3.3. Nothing in this Policy is intended to limit or exclude mandatory consumer rights that cannot legally be waived.

4. User Representations, Warranties, and Responsibilities

4.1. By proceeding with any transaction, the User represents and warrants that:

  • they are legally authorised to use the selected payment method;
  • they are the lawful holder or authorised user of the payment instrument;
  • all information provided is accurate, current, and truthful.

4.2. The User acknowledges that:

  • digital Skins become non-returnable once transferred;
  • price volatility is a natural characteristic of virtual items;
  • post-purchase regret does not constitute valid grounds for a refund.

4.3. The User undertakes to:

  • carefully review transaction details prior to confirmation;
  • promptly notify the Company of any transaction anomalies;
  • cooperate in good faith during dispute investigations.

4.4. Initiating a chargeback without first contacting Company Support may be considered a breach of this Policy unless otherwise required by law.

5. Refund Eligibility and Exceptional Circumstances

5.1. Refunds may be considered only under narrowly defined, exceptional circumstances, including but not limited to:

(a) Duplicate Charges
Where a User is charged more than once for the same transaction due to a verified system malfunction.

(b) Confirmed Non-Delivery
Where delivery of purchased Skins did not occur as a direct result of a documented technical failure attributable to the Platform.

(c) Failed or Incomplete Transactions
Where payment was initiated but the transaction was not successfully completed and no delivery confirmation was generated.

(d) Extraordinary Situations
Any other circumstances deemed exceptional by the Company, provided sufficient verifiable evidence is submitted.

5.2. The existence of one of the above conditions does not guarantee a refund and remains subject to PSP approval.

6. Refund Processing Mechanics

6.1. All approved refunds:

  • are processed solely via the original payment channel;
  • are subject to PSP operational rules and timelines.

6.2. The Company cannot:

  • accelerate PSP processing times;
  • override PSP dispute decisions;
  • guarantee refund execution dates.

6.3. Users expressly acknowledge that delays caused by banks or PSPs are outside the Company’s reasonable control.

7. Chargebacks and Abuse of Payment Systems

7.1. A chargeback constitutes a unilateral reversal request submitted by the User through a financial institution.

7.2. The Company considers unjustified or misleading chargebacks to be a serious violation of Platform rules.

7.3. Upon receipt of a chargeback notification, the Company may:

  • contest the chargeback with supporting evidence;
  • suspend account access;
  • restrict ongoing or future transactions.

7.4. Where abuse is identified, the Company reserves the right to:

  • recover administrative costs;
  • disclose relevant information to PSPs or authorities as legally required.

8. Refund Request Submission Procedure

8.1. Refund requests must be submitted exclusively through official Company support channels.

8.2. Required information includes:

  • transaction identifiers;
  • proof of payment;
  • detailed written explanation;
  • supporting documentation.

8.3. The Company may request additional verification to prevent fraud.

8.4. Review timelines may extend beyond 14 days in complex cases requiring PSP involvement.

9. Explicitly Non-Refundable Scenarios

Refunds shall categorically not be issued in cases involving:

  • confirmed successful delivery;
  • user selection errors;
  • loss or limitation of third-party accounts;
  • changes in market value;
  • violations of Platform rules;
  • legal or PSP prohibitions.

10. Regulatory Compliance and Enforcement

10.1. The Company adheres to applicable consumer protection, anti-fraud, AML, and payment integrity standards.

10.2. The Company may cooperate fully with:

  • financial institutions;
  • payment processors;
  • regulatory bodies;
  • law enforcement authorities.

11. Limitation of Liability

11.1. The Company shall not be liable for:

  • third-party service interruptions;
  • delayed or failed payment processing;
  • market losses;
  • indirect or consequential damages.

11.2. Liability, where applicable, is strictly limited to direct damages caused by proven Company misconduct.

12. Amendments and Updates

12.1. This Policy may be amended at any time.

12.2. Continued use of the Service constitutes acceptance of the revised version.

13. Company Contact Details

DIGISKINS LTD
Registration Number: 16883958
Registered Address:
167–169 Great Portland Street, Fifth Floor,
London, United Kingdom, W1W 5PF

Phone: +44 745 814 8289
Email: [email protected]
Website: https://ironskinz.r-one.dev