Refund Policy

Effective Date: April 28, 2026

This Refund Policy describes how FT LLC, doing business as Reverse Swear Jar ("we," "us," or "our"), handles refunds and credit replacements for purchases made through reverseswearjar.com (the "Services"). This policy is incorporated by reference into our Terms of Service and Privacy Policy.

By making a purchase through the Services, you acknowledge that you have read, understood, and agreed to this Refund Policy.

1. General Rule: Digital Goods Are Non-Refundable

All credits sold through the Services are digital goods delivered instantly upon successful payment. Once issued, credits are generally non-refundable, including but not limited to the following circumstances:

You changed your mind after purchase
You did not enjoy the content unlocked
You misunderstood the nature of the product
You purchased the wrong tier
You unlocked content and later regretted it

This policy is consistent with industry standards for digital, instantly-delivered novelty content and is disclosed at the point of purchase.

2. Discretionary Refunds and Credit Replacements

Notwithstanding the general rule above, we may, at our sole discretion, provide refunds, credit replacements, or other accommodations in the following situations:

2.1 Verified Billing Errors

Duplicate charges resulting from technical failure
Charges in incorrect amounts
Charges to accounts that did not initiate the transaction (subject to fraud verification)

2.2 Technical Failures

Credits not delivered to your account after successful payment
Content unlock attempts that failed and consumed a credit without delivering content
Account access issues that prevented you from using purchased credits within a reasonable period

2.3 Content Quality Concerns

We provide a built-in flag mechanism within the user portal that allows you to report content you believe was not up to standard. Submitted flags are reviewed by our administrative team, who may, at their discretion:

Issue a Stripe refund for the affected purchase
Grant additional credits as a goodwill gesture
Decline the request with explanation

The flag mechanism is the preferred method for reporting content concerns. We are not obligated to provide a remedy for every flag submitted.

3. How to Request a Refund

If you believe you are entitled to a refund under Section 2, you may:

Use the flag mechanism in your user portal for content quality concerns related to specific unlocks.
Contact us directly at the support address listed on our website for billing errors or technical failures.

When contacting us, please include:

The email address associated with your account
The approximate date and amount of the disputed charge
A brief description of the issue
Any relevant transaction IDs or receipt information

We will make reasonable efforts to respond within five (5) business days. Resolution timelines depend on the nature of the request and may require additional information from you.

4. Refund Method and Timing

Approved refunds are issued through the original payment method via Stripe, our payment processor. Once processed:

Refunds typically appear in your account within 5–10 business days
The exact timing is determined by your bank or card issuer, not by us
Partial refunds may be issued where appropriate (for example, refunding unused credits while retaining payment for credits already redeemed)

In some cases, at our discretion, we may offer credit replacement instead of a monetary refund. You are not obligated to accept credit replacement and may request a Stripe refund instead.

5. Chargebacks

We strongly encourage customers to contact us before initiating a chargeback through their bank or card issuer. Most billing concerns can be resolved within five business days through direct communication.

Filing a chargeback for a transaction you actually authorized is illegal. This practice — sometimes called "friendly fraud" — is a federal crime under wire fraud statutes (18 U.S.C. § 1343) and may also constitute theft of services and bank fraud under state and federal law. The fact that the dispute is processed through a bank's standard system does not insulate the filer from civil or criminal liability.

Initiating a chargeback without first attempting to resolve a dispute through our support channel is also a violation of our Terms of Service. We reserve the right to:

Submit transaction logs, IP records, browser fingerprints, account activity, and content delivery confirmations to your card issuer in defense of any chargeback we determine to be invalid
Pursue collection of charged-back amounts through licensed collection agencies, including a wholly-owned subsidiary of FT LLC
Refer demonstrable cases of chargeback fraud to law enforcement, the Federal Trade Commission, and your card issuer's fraud department
Permanently terminate the account of any user who initiates an invalid chargeback and block all associated payment methods, IP addresses, and email addresses from future use of the Services

If you have a legitimate billing concern, please contact us first. We resolve most issues within five business days.

6. Suspended or Terminated Accounts

If your account is suspended or terminated for violation of our Terms of Service, you forfeit any unused credits remaining in your account and are not entitled to a refund of any kind, except as required by applicable law.

7. Promotional Credits and Free Credits

Credits issued as part of a promotion, goodwill gesture, contest, or other non-purchase mechanism have no monetary value and are not eligible for refund under any circumstance. Promotional credits may have additional restrictions, including expiration dates, which are disclosed at the time of issuance.

8. Changes to This Policy

We may update this Refund Policy at any time. Material changes will be communicated via email or site notice where reasonably practicable. The effective date at the top of this policy reflects the most recent revision. Refund eligibility for past purchases is governed by the policy in effect at the time of purchase.

9. Contact Us

For refund requests, billing inquiries, or questions about this policy:

FT LLC (dba Reverse Swear Jar) 6479 US Highway 93 S, Suite 969 Whitefish, MT 59937 Website: reverseswearjar.com