Refund Policy
Last Updated:3/15/2026
This Refund Policy explains the rules, conditions, and procedures that apply to cancellations, refunds, reversals, replacements, credits, disputes, and related remedies for transactions made through the Platform.
By placing an order, listing a product or service, or otherwise using the Platform, you acknowledge that you have read, understood, and agreed to this Refund Policy, together with the Terms of Service and any other applicable policies published on the Platform.
1. Operator
This Refund Policy applies to the Platform operated by:
Legal Name: Z2LIVE, INC.
Identifier (UBI): 602 935 010
Secretary of State (SOS) ID: 602935010
State of Incorporation: Washington, USA
Principal Office:
1601 2nd Avenue, Suite 800
Seattle, WA 98101
United States
In this Refund Policy, “Z22U ,” “we,” “us,” and “our” refer to Z2LIVE, INC.
2. Nature of the Platform
The Platform is a digital marketplace that facilitates transactions between Buyers and Sellers for digital goods and services, including but not limited to game accounts, virtual goods, gaming currencies, software-related products, top-ups, digital subscriptions, and related services.
Unless expressly stated otherwise, Z22U is not the seller of third-party listings and does not independently guarantee that every transaction will qualify for a refund. Refund outcomes depend on the facts of each case, the evidence submitted, the conduct of the parties, the relevant listing terms, payment status, platform rules, fraud controls, and any legal obligations that may apply.
3. General Refund Principle
Because the Platform deals primarily in digital goods and services, transactions are generally treated as final once delivery or fulfillment has occurred, except where this Refund Policy, the Terms of Service, an applicable product rule, or applicable law provides otherwise.
A refund is not automatic merely because a Buyer changes their mind, misunderstands the listing, fails to read the product description, no longer wants the item, or is unable to use the purchased item for reasons outside the Seller’s stated obligations.
4. Circumstances in Which a Refund May Be Considered
A refund, reversal, replacement, credit, or cancellation may be considered in circumstances including, but not limited to, the following:
4.1 Non-delivery
Where the Seller fails to deliver the purchased item or service within the stated delivery period, and does not cure the failure within a reasonable time after notice.
4.2 Material Misdescription
Where the delivered item or service is materially different from the description in the listing in a manner that substantially affects the value, purpose, or usability of the purchase.
4.3 Invalid Credentials or Non-Functional Delivery
Where the login credentials, keys, codes, files, or access data delivered by the Seller are invalid at the time of delivery, and the Seller does not correct the issue within a reasonable period.
4.4 Duplicate Delivery or Billing Error
Where the same order is charged more than once due to a confirmed payment-processing issue, system error, or duplicate transaction.
4.5 Seller-Initiated Failure
Where the Seller confirms inability to complete the order, fails to respond within the required delivery or dispute window, or otherwise abandons the order.
4.6 Fraud, Abuse, or Unauthorized Activity
Where the Platform determines that the transaction was affected by fraud, unauthorized use, serious policy abuse, or another exceptional issue requiring reversal or cancellation.
4.7 Other Exceptional Circumstances
Where Z22U determines, in its sole but reasonable discretion, that the circumstances justify a refund, partial refund, store credit, replacement, or other remedy in order to protect the integrity of the Platform or comply with legal obligations.
5. Circumstances in Which Refunds Are Normally Not Available
Refunds will generally not be granted in the following situations, unless otherwise required by applicable law:
5.1 Change of Mind
The Buyer no longer wants the item or service after placing the order.
5.2 Failure to Read the Listing
The Buyer failed to review the description, region restrictions, platform limitations, account type, delivery terms, access method, or other clearly stated listing details before ordering.
5.3 Compatibility or Suitability Issues Not Caused by Misdescription
The purchased item does not suit the Buyer’s preferences, hardware, software, region, use case, or expectations, where the listing was materially accurate.
5.4 Buyer Delay or Non-Responsiveness
The Buyer fails to cooperate, fails to provide information needed for delivery, refuses reasonable troubleshooting, or does not respond during the dispute period.
5.5 Post-Delivery Issues Caused by the Buyer
The Buyer changes account credentials, modifies account settings, shares access with others, violates third-party terms, or otherwise causes the issue after successful delivery.
5.6 External Platform or Publisher Action
The value, access, features, or usability of a digital item changes because of actions taken by a game publisher, software provider, platform operator, or other third party after delivery, unless the listing expressly guaranteed otherwise.
5.7 Completed and Unchallenged Orders
Where the Buyer confirmed completion, accepted delivery, or allowed the order review period to expire without opening a valid dispute.
5.8 Abuse of the Refund Process
Where the Buyer attempts to obtain both the item and a refund, files repeated bad-faith claims, submits false evidence, threatens chargebacks without basis, or otherwise abuses the refund or dispute process.
6. Order Status and Automatic Completion
The Buyer is responsible for reviewing delivered goods or services promptly after delivery.
If the Buyer does not confirm delivery, report a problem, or open a dispute within the applicable review period shown on the Platform or stated in the relevant policy, the order may be marked as completed automatically. Once an order is completed, refund eligibility may be limited or denied unless there is clear evidence of fraud, material misdescription, or another qualifying exception.
7. Dispute Filing Deadline
A Buyer who believes that an order qualifies for a refund or remedy must submit a dispute or support request within the time period stated on the Platform for that category, listing type, or order flow.
If no different category-specific period is stated, the Buyer must raise the issue without undue delay after delivery or after the delivery deadline expires.
Failure to raise the issue within the applicable time may result in denial of the claim.
8. Evidence Requirements
To assess a refund or dispute request fairly, Z22U may require one or both parties to provide supporting evidence. Evidence may include:
screenshots
screen recordings
chat records
delivery records
login attempt results
timestamps
payment records
account history
error messages
technical logs
identity or ownership verification
any other information reasonably requested by us
Failure to provide requested evidence within the time specified by the Platform may result in denial of a claim, closure of a dispute, or other action based on the evidence available at the time.
9. Remedies Available
Where a dispute is decided in favor of the Buyer, or where a refund is otherwise approved, Z22U may provide one or more of the following remedies, depending on the facts of the case:
9.1 Full Refund
A full refund of the purchase amount, and where appropriate, any eligible platform fees directly associated with the order.
9.2 Partial Refund
A partial refund where only part of the order was defective, incomplete, delayed, or materially misdescribed.
9.3 Replacement or Re-Delivery
An opportunity for the Seller to replace the item, redeliver the service, correct invalid credentials, or otherwise cure the issue within a reasonable timeframe.
9.4 Store Credit
A credit issued for use on the Platform, where permitted by law and accepted under platform procedures.
9.5 Order Cancellation
Cancellation of the order before completion where delivery has not occurred or where cancellation is otherwise justified.
The remedy selected by Z22U may depend on operational, payment, fraud, compliance, and evidentiary considerations.
10. Refund Method
Approved refunds may be returned through one of the following methods, as determined by Z22U , the payment provider, applicable law, and operational feasibility:
reversal to the original payment method
platform credit or wallet credit
partial payment reversal
other reasonable refund method made available by the Platform
Not all payment methods support reversals after a certain period. Where reversal to the original payment method is not reasonably available, Z22U may provide store credit or another suitable remedy, subject to applicable law.
11. Processing Time
Refund processing times may vary depending on:
the type of payment method used
payment processor or banking delays
verification requirements
dispute complexity
fraud review
legal or compliance checks
Approval of a refund by Z22U does not guarantee immediate receipt of funds by the Buyer. Financial institutions and payment providers may require additional time to post the refund.
12. Seller Responsibilities in Refund Cases
Sellers are required to cooperate in good faith in all refund and dispute matters. This includes, without limitation:
responding within required timeframes
providing accurate evidence
offering replacement or correction where appropriate
refraining from deceptive, abusive, or retaliatory conduct
complying with platform decisions and policies
If a refund is approved, Z22U may deduct the refunded amount, applicable fees, reserve amounts, chargeback costs, or other related sums from the Seller’s balance, pending payouts, reserves, or future proceeds, to the extent permitted by law and the platform rules.
13. Buyer Responsibilities in Refund Cases
Buyers must act honestly, promptly, and cooperatively in all refund-related matters. Buyers must not:
file false or misleading claims
edit or conceal evidence
attempt to retain delivered goods or access while also seeking a refund in bad faith
misuse chargebacks as a substitute for the platform dispute process
harass, threaten, or abuse Sellers or support personnel
If the Buyer is found to have acted fraudulently, abusively, or in bad faith, Z22U may deny the refund, close the dispute, restrict account activity, reverse credit, or take enforcement action under the Terms of Service.
14. Chargebacks and Payment Reversals
Before initiating a chargeback or payment dispute with a card issuer, bank, or payment provider, Buyers are strongly encouraged to use the Platform’s dispute process first.
If a Buyer initiates a chargeback after receiving the item, after confirming the order, or while a dispute is being reviewed, Z22U may:
suspend or restrict the account
request further evidence
recover associated costs and fees
deny future refund claims
take action to protect the Platform or affected Sellers
Nothing in this Refund Policy limits our ability to contest improper chargebacks or recover losses resulting from abusive payment disputes.
15. Fraud Prevention and Refund Restrictions
Z22U may delay, deny, or condition any refund where we reasonably believe that:
the claim is fraudulent
the payment method was unauthorized
the account is compromised
the transaction is linked to abuse, money laundering, sanctions risk, or platform manipulation
the order is subject to law enforcement inquiry, legal hold, or risk review
the Buyer or Seller has a history of suspicious conduct
We may require additional verification before approving any refund or reversal.
16. Category-Specific Rules
Certain product categories may have additional refund restrictions, inspection windows, evidence standards, or delivery rules due to the nature of the item being sold.
For example, categories involving accounts, virtual currencies, instant delivery codes, custom services, boosting, top-ups, or software-related goods may require category-specific handling. In the event of any conflict between this general Refund Policy and a category-specific rule published on the Platform, the category-specific rule will control for that category unless prohibited by law.
17. No Guarantee of Continuous Access After Delivery
For products involving third-party platforms, game publishers, digital services, or external accounts, Z22U does not guarantee permanent future access, continued service availability, uninterrupted account status, or ongoing compatibility after successful delivery, unless such guarantee is expressly stated in the applicable listing or policy.
A refund is not automatically available simply because a third-party publisher later modifies, restricts, suspends, or changes the underlying digital environment after the transaction has been completed.
18. Final Decision Authority
Where a dispute, refund request, or cancellation request is submitted through the Platform, Z22U may review the matter and make a decision based on the available evidence, platform records, policy rules, fraud signals, payment status, compliance requirements, and the conduct of the parties.
To the extent permitted by law and subject to any mandatory consumer rights, Z22U ’s determination within the platform dispute process shall be final for operational purposes of the Platform.
19. Policy Abuse
Any abuse of this Refund Policy, including fraudulent claims, collusion, fabricated evidence, refund manipulation, or repeated bad-faith behavior, may result in:
denial of refund eligibility
reversal of previously granted credits
withholding of payouts
account suspension or termination
limitation of platform privileges
recovery actions
referral to payment providers, partners, or authorities where appropriate
20. Changes to This Refund Policy
We may update, amend, or revise this Refund Policy at any time by posting the updated version on the Platform. The revised version will become effective on the date indicated in the updated policy or, if no date is stated, upon posting.
Your continued use of the Platform after the effective date of an updated Refund Policy constitutes your acceptance of the revised policy.
21. Contact
If you have any questions regarding this Refund Policy, or wish to submit a refund-related request through the appropriate support channel, please contact:
Z2LIVE, INC.
1601 2nd Avenue, Suite 800
Seattle, WA 98101
United States
Email: refund@z22u.com
Website: z22u.com
This Refund Policy explains the rules, conditions, and procedures that apply to cancellations, refunds, reversals, replacements, credits, disputes, and related remedies for transactions made through the Platform.
By placing an order, listing a product or service, or otherwise using the Platform, you acknowledge that you have read, understood, and agreed to this Refund Policy, together with the Terms of Service and any other applicable policies published on the Platform.
1. Operator
This Refund Policy applies to the Platform operated by:
Legal Name: Z2LIVE, INC.
Identifier (UBI): 602 935 010
Secretary of State (SOS) ID: 602935010
State of Incorporation: Washington, USA
Principal Office:
1601 2nd Avenue, Suite 800
Seattle, WA 98101
United States
In this Refund Policy, “Z22U ,” “we,” “us,” and “our” refer to Z2LIVE, INC.
2. Nature of the Platform
The Platform is a digital marketplace that facilitates transactions between Buyers and Sellers for digital goods and services, including but not limited to game accounts, virtual goods, gaming currencies, software-related products, top-ups, digital subscriptions, and related services.
Unless expressly stated otherwise, Z22U is not the seller of third-party listings and does not independently guarantee that every transaction will qualify for a refund. Refund outcomes depend on the facts of each case, the evidence submitted, the conduct of the parties, the relevant listing terms, payment status, platform rules, fraud controls, and any legal obligations that may apply.
3. General Refund Principle
Because the Platform deals primarily in digital goods and services, transactions are generally treated as final once delivery or fulfillment has occurred, except where this Refund Policy, the Terms of Service, an applicable product rule, or applicable law provides otherwise.
A refund is not automatic merely because a Buyer changes their mind, misunderstands the listing, fails to read the product description, no longer wants the item, or is unable to use the purchased item for reasons outside the Seller’s stated obligations.
4. Circumstances in Which a Refund May Be Considered
A refund, reversal, replacement, credit, or cancellation may be considered in circumstances including, but not limited to, the following:
4.1 Non-delivery
Where the Seller fails to deliver the purchased item or service within the stated delivery period, and does not cure the failure within a reasonable time after notice.
4.2 Material Misdescription
Where the delivered item or service is materially different from the description in the listing in a manner that substantially affects the value, purpose, or usability of the purchase.
4.3 Invalid Credentials or Non-Functional Delivery
Where the login credentials, keys, codes, files, or access data delivered by the Seller are invalid at the time of delivery, and the Seller does not correct the issue within a reasonable period.
4.4 Duplicate Delivery or Billing Error
Where the same order is charged more than once due to a confirmed payment-processing issue, system error, or duplicate transaction.
4.5 Seller-Initiated Failure
Where the Seller confirms inability to complete the order, fails to respond within the required delivery or dispute window, or otherwise abandons the order.
4.6 Fraud, Abuse, or Unauthorized Activity
Where the Platform determines that the transaction was affected by fraud, unauthorized use, serious policy abuse, or another exceptional issue requiring reversal or cancellation.
4.7 Other Exceptional Circumstances
Where Z22U determines, in its sole but reasonable discretion, that the circumstances justify a refund, partial refund, store credit, replacement, or other remedy in order to protect the integrity of the Platform or comply with legal obligations.
5. Circumstances in Which Refunds Are Normally Not Available
Refunds will generally not be granted in the following situations, unless otherwise required by applicable law:
5.1 Change of Mind
The Buyer no longer wants the item or service after placing the order.
5.2 Failure to Read the Listing
The Buyer failed to review the description, region restrictions, platform limitations, account type, delivery terms, access method, or other clearly stated listing details before ordering.
5.3 Compatibility or Suitability Issues Not Caused by Misdescription
The purchased item does not suit the Buyer’s preferences, hardware, software, region, use case, or expectations, where the listing was materially accurate.
5.4 Buyer Delay or Non-Responsiveness
The Buyer fails to cooperate, fails to provide information needed for delivery, refuses reasonable troubleshooting, or does not respond during the dispute period.
5.5 Post-Delivery Issues Caused by the Buyer
The Buyer changes account credentials, modifies account settings, shares access with others, violates third-party terms, or otherwise causes the issue after successful delivery.
5.6 External Platform or Publisher Action
The value, access, features, or usability of a digital item changes because of actions taken by a game publisher, software provider, platform operator, or other third party after delivery, unless the listing expressly guaranteed otherwise.
5.7 Completed and Unchallenged Orders
Where the Buyer confirmed completion, accepted delivery, or allowed the order review period to expire without opening a valid dispute.
5.8 Abuse of the Refund Process
Where the Buyer attempts to obtain both the item and a refund, files repeated bad-faith claims, submits false evidence, threatens chargebacks without basis, or otherwise abuses the refund or dispute process.
6. Order Status and Automatic Completion
The Buyer is responsible for reviewing delivered goods or services promptly after delivery.
If the Buyer does not confirm delivery, report a problem, or open a dispute within the applicable review period shown on the Platform or stated in the relevant policy, the order may be marked as completed automatically. Once an order is completed, refund eligibility may be limited or denied unless there is clear evidence of fraud, material misdescription, or another qualifying exception.
7. Dispute Filing Deadline
A Buyer who believes that an order qualifies for a refund or remedy must submit a dispute or support request within the time period stated on the Platform for that category, listing type, or order flow.
If no different category-specific period is stated, the Buyer must raise the issue without undue delay after delivery or after the delivery deadline expires.
Failure to raise the issue within the applicable time may result in denial of the claim.
8. Evidence Requirements
To assess a refund or dispute request fairly, Z22U may require one or both parties to provide supporting evidence. Evidence may include:
screenshots
screen recordings
chat records
delivery records
login attempt results
timestamps
payment records
account history
error messages
technical logs
identity or ownership verification
any other information reasonably requested by us
Failure to provide requested evidence within the time specified by the Platform may result in denial of a claim, closure of a dispute, or other action based on the evidence available at the time.
9. Remedies Available
Where a dispute is decided in favor of the Buyer, or where a refund is otherwise approved, Z22U may provide one or more of the following remedies, depending on the facts of the case:
9.1 Full Refund
A full refund of the purchase amount, and where appropriate, any eligible platform fees directly associated with the order.
9.2 Partial Refund
A partial refund where only part of the order was defective, incomplete, delayed, or materially misdescribed.
9.3 Replacement or Re-Delivery
An opportunity for the Seller to replace the item, redeliver the service, correct invalid credentials, or otherwise cure the issue within a reasonable timeframe.
9.4 Store Credit
A credit issued for use on the Platform, where permitted by law and accepted under platform procedures.
9.5 Order Cancellation
Cancellation of the order before completion where delivery has not occurred or where cancellation is otherwise justified.
The remedy selected by Z22U may depend on operational, payment, fraud, compliance, and evidentiary considerations.
10. Refund Method
Approved refunds may be returned through one of the following methods, as determined by Z22U , the payment provider, applicable law, and operational feasibility:
reversal to the original payment method
platform credit or wallet credit
partial payment reversal
other reasonable refund method made available by the Platform
Not all payment methods support reversals after a certain period. Where reversal to the original payment method is not reasonably available, Z22U may provide store credit or another suitable remedy, subject to applicable law.
11. Processing Time
Refund processing times may vary depending on:
the type of payment method used
payment processor or banking delays
verification requirements
dispute complexity
fraud review
legal or compliance checks
Approval of a refund by Z22U does not guarantee immediate receipt of funds by the Buyer. Financial institutions and payment providers may require additional time to post the refund.
12. Seller Responsibilities in Refund Cases
Sellers are required to cooperate in good faith in all refund and dispute matters. This includes, without limitation:
responding within required timeframes
providing accurate evidence
offering replacement or correction where appropriate
refraining from deceptive, abusive, or retaliatory conduct
complying with platform decisions and policies
If a refund is approved, Z22U may deduct the refunded amount, applicable fees, reserve amounts, chargeback costs, or other related sums from the Seller’s balance, pending payouts, reserves, or future proceeds, to the extent permitted by law and the platform rules.
13. Buyer Responsibilities in Refund Cases
Buyers must act honestly, promptly, and cooperatively in all refund-related matters. Buyers must not:
file false or misleading claims
edit or conceal evidence
attempt to retain delivered goods or access while also seeking a refund in bad faith
misuse chargebacks as a substitute for the platform dispute process
harass, threaten, or abuse Sellers or support personnel
If the Buyer is found to have acted fraudulently, abusively, or in bad faith, Z22U may deny the refund, close the dispute, restrict account activity, reverse credit, or take enforcement action under the Terms of Service.
14. Chargebacks and Payment Reversals
Before initiating a chargeback or payment dispute with a card issuer, bank, or payment provider, Buyers are strongly encouraged to use the Platform’s dispute process first.
If a Buyer initiates a chargeback after receiving the item, after confirming the order, or while a dispute is being reviewed, Z22U may:
suspend or restrict the account
request further evidence
recover associated costs and fees
deny future refund claims
take action to protect the Platform or affected Sellers
Nothing in this Refund Policy limits our ability to contest improper chargebacks or recover losses resulting from abusive payment disputes.
15. Fraud Prevention and Refund Restrictions
Z22U may delay, deny, or condition any refund where we reasonably believe that:
the claim is fraudulent
the payment method was unauthorized
the account is compromised
the transaction is linked to abuse, money laundering, sanctions risk, or platform manipulation
the order is subject to law enforcement inquiry, legal hold, or risk review
the Buyer or Seller has a history of suspicious conduct
We may require additional verification before approving any refund or reversal.
16. Category-Specific Rules
Certain product categories may have additional refund restrictions, inspection windows, evidence standards, or delivery rules due to the nature of the item being sold.
For example, categories involving accounts, virtual currencies, instant delivery codes, custom services, boosting, top-ups, or software-related goods may require category-specific handling. In the event of any conflict between this general Refund Policy and a category-specific rule published on the Platform, the category-specific rule will control for that category unless prohibited by law.
17. No Guarantee of Continuous Access After Delivery
For products involving third-party platforms, game publishers, digital services, or external accounts, Z22U does not guarantee permanent future access, continued service availability, uninterrupted account status, or ongoing compatibility after successful delivery, unless such guarantee is expressly stated in the applicable listing or policy.
A refund is not automatically available simply because a third-party publisher later modifies, restricts, suspends, or changes the underlying digital environment after the transaction has been completed.
18. Final Decision Authority
Where a dispute, refund request, or cancellation request is submitted through the Platform, Z22U may review the matter and make a decision based on the available evidence, platform records, policy rules, fraud signals, payment status, compliance requirements, and the conduct of the parties.
To the extent permitted by law and subject to any mandatory consumer rights, Z22U ’s determination within the platform dispute process shall be final for operational purposes of the Platform.
19. Policy Abuse
Any abuse of this Refund Policy, including fraudulent claims, collusion, fabricated evidence, refund manipulation, or repeated bad-faith behavior, may result in:
denial of refund eligibility
reversal of previously granted credits
withholding of payouts
account suspension or termination
limitation of platform privileges
recovery actions
referral to payment providers, partners, or authorities where appropriate
20. Changes to This Refund Policy
We may update, amend, or revise this Refund Policy at any time by posting the updated version on the Platform. The revised version will become effective on the date indicated in the updated policy or, if no date is stated, upon posting.
Your continued use of the Platform after the effective date of an updated Refund Policy constitutes your acceptance of the revised policy.
21. Contact
If you have any questions regarding this Refund Policy, or wish to submit a refund-related request through the appropriate support channel, please contact:
Z2LIVE, INC.
1601 2nd Avenue, Suite 800
Seattle, WA 98101
United States
Email: refund@z22u.com
Website: z22u.com
