Refund and Dispute Policy

1. Refund Policy:

1.1 Eligibility for Refund:

•Refunds will only be considered for transactions that meet the eligibility criteria outlined in this policy.

1.2 Timeframe for Refund Requests:

•Clients must submit refund requests within 15 days from the date of the transaction.

1.3 Refund Process:

•To request a refund, clients must contact us with providing the reasons among the refund they request .

1.4 Documentation:

•Clients must provide relevant documentation to support their refund request, including invoices, receipts, and any other pertinent information.

1.5 Refund Method:

•Refunds, if approved, will be processed through the original payment method used for the transaction.

1.6 Exceptions:

•Fees and commissions we charge are not refundable , the refundable is the full amount used for the service or the card balance

2. Dispute Policy:

2.1 Initiating a Dispute:

•Clients wishing to dispute a charge must follow the dispute resolution process outlined in this policy.

2.2 Dispute Resolution Process:

•Client must contact us and send his ID or Passport for verification and the reason for dispute in details

2.3 Communication:

•All communication regarding disputes should be conducted through our email address : info@bullsbearsco.com

2.4 Review and Response Time:

•Our team will review dispute claims within 15 days and provide a response to the client.

2.5 Decision and Resolution:

•Decisions regarding dispute resolutions will be made based on the information provided by the client and our investigation.

2.6 Appeals:

•Clients have the right to appeal the decision by providing a reasonable reason to appeal and we will take the appeal to a case handler to review it

3. Review and Updates:

3.1 Regular Review:

•We will regularly review and update our refund and dispute policy to ensure its relevance and compliance.

3.2 Notification of Changes:

•Clients will be notified of any changes to the refund and dispute policy through our website policy page and emails we send them

Transaction Currency Policy

1. Default Transaction Currency:

1.1 Currency Selection:

•The default currency for all transactions with our business is USD, EURO, and GBP

1.2 Currency Code:

•The currency code for the default currency is USD .

2. Currency Conversion:

2.1 Foreign Transactions:

•For transactions in currencies other than the default currency, currency conversion will be performed based on the exchange rates provided by our payment processor same as banking rates.

2.2 Exchange Rate Disclosure:

•Clients will be informed of the applicable exchange rates before completing transactions in a different currency.

3. Exceptions:

3.1 Special Arrangements:

•In certain cases, special arrangements may be made for transactions in currencies other than the default. Any such arrangements will be communicated and agreed upon in writing.

4. Review and Updates:

4.1 Regular Review:

•We will regularly review our default transaction currency policy to ensure it remains aligned with our business practices and any changes in currency preferences.

4.2 Notification of Changes:

•Clients will be notified of any changes to the default transaction currency policy through our website and email

Security and Capabilities

1. Security Measures:

1.1 Secure Transactions:

•All transactions conducted through our platform are secured using industry-standard encryption protocols to protect the confidentiality of sensitive information.

1.2 Payment Gateway:

•We utilize a secure payment gateway , ensuring the highest level of security for processing payments.

1.3 Data Protection:

•Client data is treated with the utmost confidentiality. We implement robust data protection measures to safeguard against unauthorized access or disclosure.

1.4 Authentication:

•Multi-factor authentication is implemented to enhance the security of user accounts and prevent unauthorized access.

2. Capabilities:

2.1 Payment Processing:

•Our platform leverages more than a payment and Fintech companies capabilities for efficient and reliable payment processing, supporting various payment methods.

2.2 Card Issuing:

•We use Issuing to issue Visa and Master cards for commercial use , providing a seamless solution for both clients and businesses.

2.3 Refund and Dispute Resolution:

•Our clearly defined refund and dispute policy outlines the process for handling client requests, providing transparency and fairness.

2.4 Currency Options:

•Clients have the flexibility to transact in different currencies, with transparent exchange rate information provided for foreign transactions.


Consumer use

  • Consumer use of Issuing is when an Issuing card is created to fully or partially enable payments for personal, family or household use, including:

    • Providing a payment method loaded with or that accesses consumer funds

    • Cards that disburse payroll or payouts

    • Any other uses that directly or indirectly enable payments using the consumer’s funds

  • Other abusive useAny other abusive use of Issuing, including:

    • Using Issuing cards to abuse free trial products at scale

    • Using Issuing cards to buy in-demand items or services with the sole intent to sell them for profit (for example, retail scalping)

    • Using Issuing cards for any other illegitimate purposes