Refund & Payout Policy

Bargenza cashback rewards are promotional rewards, not payments for goods or services. Cashback may first appear as Pending or On Hold in your wallet and is not withdrawable until it becomes Available — an applicable verification or hold period may last up to 14 days. Once credited, cashback may be reversed or cancelled if a qualifying purchase is returned, refunded, or determined to be ineligible, including recovery from future cashback earnings if the reward was already paid out. If you believe cashback was credited in error (e.g. double credit, incorrect amount), please contact support within 14 days. We will review and correct any platform errors. Cashback that was rejected following review is not subject to re-review after 30 days from the original submission date.

Merchant subscription fees are governed by the following policy: • Monthly subscriptions: No refunds for the current billing period. You may cancel at any time and will retain access until the end of the paid period. • Annual subscriptions: Partial refunds may be issued within 30 days of the annual billing date if the account has not been used. Refund amount = prorated unused months minus a $15 processing fee. • Setup fees and onboarding fees are non-refundable. • Advertising credits (ad balance top-ups) are non-refundable but are carried forward if you upgrade or downgrade your plan. To request a subscription refund, email billing@bargenza.app within the applicable window with your merchant account email and reason for refund.

Payout processing timelines: • PayPal: 1–3 business days after Bargenza initiates the transfer • Bank transfer (ACH): 3–7 business days If a payout fails due to incorrect payment details provided by you (wrong PayPal email, incorrect bank account info), Bargenza will attempt re-delivery once. If the second attempt fails, the funds will be returned to your Bargenza wallet. Bargenza is not liable for delays or failures caused by third-party payment processors, banks, or PayPal. If a payout appears stuck after 10 business days, contact support with your transaction reference number.

Cashback earned through fraudulent, deceptive, or manipulative means will be clawed back without notice. This includes but is not limited to: • Submitting fake, digitally altered, or duplicate receipts • Purchasing products solely to return them after submitting for cashback • Creating multiple accounts to exceed per-household limits • Coordinating with others to exploit offer terms Accounts found in violation will be permanently suspended and any pending cashback wallet balance will be forfeited. Bargenza reserves the right to pursue legal remedies for large-scale fraud.

If you close your Bargenza account: • Any withdrawal-eligible ("Available") cashback balance meeting the $10 minimum withdrawal threshold must be withdrawn (or otherwise resolved with our support team) before your account deletion can be completed. Account deletion is blocked while a withdrawable balance remains. • Any in-flight payout request must reach a terminal state (paid, rejected, failed, or cancelled) before account deletion can be completed. • Cashback that is Pending, On Hold, or otherwise not yet withdrawal-eligible is not paid out automatically and remains subject to Bargenza's eligibility, return, refund, fraud, abuse, reversal, expiration, and program rules. Bargenza does not guarantee that pending cashback will become payable. • On completion of account deletion, your personal data is permanently deleted or anonymized. Financial, transaction, payout-method, tax, fraud-prevention, and audit records may be retained or anonymized where required for legal, accounting, security, or compliance purposes. • Bargenza does not currently offer a post-deletion grace period for balance withdrawal. Please resolve any balance before requesting deletion. To close your account, use the "Delete Account" option in Profile Settings or contact support.

If you disagree with a cashback decision or a billing charge: 1. Contact support at support@bargenza.app within 30 days of the decision 2. Include your account email, offer name, purchase date, and reason for dispute 3. Attach supporting documentation (receipts, screenshots) as applicable 4. Our team will respond within 5 business days If your dispute is not resolved to your satisfaction, you may escalate to binding arbitration as described in our Terms of Service. Class action lawsuits are waived per Section 14 of the Terms of Service.