Common use of Refunds and Returns Clause in Contracts

Refunds and Returns. 20.1 You understand and agree that a Cardholder may be entitled to a Refund from their payment provider of the full amount of any authorised Transaction You initiate if: 20.1.1 the authorisation did not specify the exact amount of the Transaction when the authorisation was given; and 20.1.2 the amount of the Transaction exceeded the amount that the Cardholder could reasonably have expected, taking into account the Cardholder’s previous spending pattern, the conditions of the authorisation and the particular circumstances of the case. 20.2 By accepting Transactions through the Payment Services, You agree to process returns of and provide Refunds and adjustments for, Your goods or services through Your PayFac Account in accordance with these Payment Terms and Network Rules. 20.3 Network Rules require that You disclose Your return or cancellation policy to Cardholders at the time of purchase. The amount of the Refund/adjustment must include any associated Taxes required to be Refunded and cannot exceed the amount shown as the total on the original sales data except by the exact amount required to reimburse the Cardholder for postage that the Cardholder paid to return merchandise. 20.4 If Your Refund policy prohibits returns or is unsatisfactory to the Cardholder, You may still receive a Chargeback relating to such sales. 20.5 You can process a Refund through Your Digital Portal. We will credit the full value back to Cardholder and debit the full value from Your PayFac Account and Nominated Bank Account after debiting our Fees and / or Set Off(s) as applicable. We will not refund to You the initial Transaction fee. 20.6 The Fees are also Refunded by Us, so the full purchase amount is always returned to Your Cardholder. You must issue Cardholder Refunds to the card account used to make the original purchase and only in the original amount of the corresponding charge for which You are submitting the Refund. 20.7 You may not submit a Refund when there is no corresponding purchase on a Card. 20.8 Subject to Applicable Law, You may not give cash Refunds to Cardholders for goods or services they purchase using Transactions. We have no obligation to accept any returns of any of Your goods or services on Your behalf. 20.9 We may refuse to execute a Transaction or Refund if it does not meet the conditions in these Payment Terms or is prohibited by law. If We do refuse to execute a Transaction or Refund, within the time for processing the Transaction or Refund, We will notify You (unless prohibited by law) of the refusal and, if possible, the reasons for it and the procedure for correcting any factual mistakes that led to the refusal. Any Transaction or Refund that is refused will not be deemed to have been received for purposes of execution times and liability for non-execution or defective execution. 20.10 In order to reclaim an unauthorised or incorrectly executed Refund on Your PayFac Account, You must notify Us without undue delay after becoming aware of the unauthorised or incorrect Refund and in any event no later than sixty (60) days after the debit date of the Refund. 20.11 If You prove to Us that a Refund was unauthorised, We will correct that Refund as soon as practicable, and in any event no later than the end of the Business Day following the day on which We become aware of the unauthorised Transaction. 20.12 We must, on request by You, immediately and without charge make efforts to trace any non-executed or defectively executed Transaction and notify You of the outcome. 20.13 Where We are liable to You for the correct transmission of the payment order to Your payment services provider, it will immediately re- transmit Cardholder’s payment order to Your payment services provider. 20.14 We will be liable to You for any charges for which You are responsible and any interest which You must pay as a consequence of any non-execution or defective or late execution of a Transaction.

Refunds and Returns. 20.1 You understand must submit all requests for refunds and agree that a Cardholder may be entitled to a Refund from their payment provider adjustments for returns of the full amount of any authorised Transaction You initiate if: 20.1.1 the authorisation did not specify the exact amount of the Transaction when the authorisation was given; and 20.1.2 the amount of the Transaction exceeded the amount that the Cardholder could reasonably have expected, taking into account the Cardholder’s previous spending pattern, the conditions of the authorisation and the particular circumstances of the case. 20.2 By accepting Transactions your products or services through the Payment Services, You agree to process returns of and provide Refunds and adjustments for, Your goods or services through Your PayFac Account Service in accordance with these Payment Terms and Network Conditions and the applicable Card Scheme Rules. 20.3 Network Rules require that . All refunds and adjustments related to Card transactions must be made to the customer's Card. You undertake to: a) maintain a fair return, cancellation or adjustment policy, b) disclose Your your return or cancellation policy to Cardholders customers at the time of purchase, c) not give cash refunds to a customer in connection with a Card transaction, unless required by law, and d) not accept cash or any other item of value for preparing a Card transaction refund. The Full refunds must be for the exact amount of the Refund/adjustment must include any associated Taxes required to be Refunded original transaction including tax and canhandling charges. The refund amount may not exceed the original sale amount shown as except by an amount equal to any reimbursements to the total on customer for postage costs incurred for product returns. Refunds processed through the Payment Service must be submitted within thirty days of the original sales data except by transaction. How the exact refund is processed through the Payment Service depends on which group of Merchants you belong to in accordance with section 1 above: 1. If you are a ▇▇▇▇▇▇-only Merchant or a Connected Merchant, for approved refunds, we will deduct the refund amount required (including any applicable fees) from funds owed to reimburse you from the Cardholder processing of other transactions, or funds credited to your ▇▇▇▇▇▇ Account. If these funds are insufficient, you understand and agree that we are not obligated to process the refunds. If we do process such refunds and it results in a negative balance to your ▇▇▇▇▇▇ Account, you agree to pay all funds owed to us immediately on demand. Through the ▇▇▇▇▇▇ Account settings, you may select and instruct us to maintain funds on your ▇▇▇▇▇▇ Account specifically for postage that the Cardholder paid funding refunds or to return merchandiseexpedite execution of refunds. 20.4 2. If Your Refund policy prohibits returns you are a Fully Merged Merchant, for approved refunds, we will deduct the refund amount (including any applicable fees) from funds owed to you from processing of other transactions, or is unsatisfactory funds on your PayPal Account. If these funds are not sufficient, you understand and agree that we are not obligated to process the Cardholderrefunds. If we do process such refunds and it results in a negative balance on your PayPal Account, You you agree to pay all funds owed to us immediately on demand and any applicable process described in the PayPal User Agreement may still receive a Chargeback relating to such sales. 20.5 You can process a Refund through Your Digital Portal. We will credit the full value back to Cardholder and debit the full value from Your PayFac Account and Nominated Bank Account after debiting our Fees and / or Set Off(s) as applicable. We will not refund to You the initial Transaction fee. 20.6 The Fees are also Refunded by Us, so the full purchase amount is always returned to Your Cardholderbe enacted. You must issue Cardholder Refunds to the card account used to make the original purchase are solely responsible for accepting and only in the original amount of the corresponding charge for which You are submitting the Refund. 20.7 You may not submit a Refund when there is no corresponding purchase on a Card. 20.8 Subject to Applicable Law, You may not give cash Refunds to Cardholders for goods or services they purchase using Transactions. We have no obligation to accept any processing returns of any of Your goods your products or services on Your behalfservices. 20.9 We may refuse to execute a Transaction or Refund if it does not meet the conditions in these Payment Terms or is prohibited by law. If We do refuse to execute a Transaction or Refund, within the time for processing the Transaction or Refund, We will notify You (unless prohibited by law) of the refusal and, if possible, the reasons for it and the procedure for correcting any factual mistakes that led to the refusal. Any Transaction or Refund that is refused will not be deemed to have been received for purposes of execution times and liability for non-execution or defective execution. 20.10 In order to reclaim an unauthorised or incorrectly executed Refund on Your PayFac Account, You must notify Us without undue delay after becoming aware of the unauthorised or incorrect Refund and in any event no later than sixty (60) days after the debit date of the Refund. 20.11 If You prove to Us that a Refund was unauthorised, We will correct that Refund as soon as practicable, and in any event no later than the end of the Business Day following the day on which We become aware of the unauthorised Transaction. 20.12 We must, on request by You, immediately and without charge make efforts to trace any non-executed or defectively executed Transaction and notify You of the outcome. 20.13 Where We are liable to You for the correct transmission of the payment order to Your payment services provider, it will immediately re- transmit Cardholder’s payment order to Your payment services provider. 20.14 We will be liable to You for any charges for which You are responsible and any interest which You must pay as a consequence of any non-execution or defective or late execution of a Transaction.

Refunds and Returns. 20.1 You understand and agree that a Cardholder may be entitled to a Refund from their payment provider of the full amount of any authorised Transaction You initiate if: 20.1.1 the authorisation did not specify the exact amount of the Transaction when the authorisation was given; and 20.1.2 the amount of the Transaction exceeded the amount that the Cardholder could reasonably have expected, taking into account the Cardholder’s previous spending pattern, the conditions of the authorisation and the particular circumstances of the case. 20.2 By accepting Transactions through the Payment Services, You agree to process returns of and provide Refunds and adjustments for, Your goods or services through Your PayFac Account in accordance with these Payment Terms and Network Rules. 20.3 Network Rules require req uire that You disclose Your return or cancellation policy to Cardholders at the time of purchase. The amount of the Refund/adjustment must include any associated Taxes required to be Refunded Refun ded and cancan not exceed the amount shown as the total on the original sales data except by the exact amount required req uired to reimburse the Cardholder for postage that the Cardholder paid to return merchandise. 20.4 If Your Refund policy prohibits returns or is unsatisfactory to the Cardholder, You may still receive a Chargeback relating to such sales. 20.5 You can process a Refund through Your Digital Portal. We will credit the full value back to Cardholder and debit the full value from Your PayFac Account and Nominated Bank Account after debiting our Fees and / or Set Off(s) as applicableap plicable. We will not refund to You the initial Transaction fee. 20.6 The Fees are also Refunded by Us, so the full purchase amount is always returned to Your Cardholder. You must issue Cardholder Refunds to the card account used to make the original purchase and only in the original amount of the corresponding charge for which You are submitting the Refund. 20.7 You may not submit a Refund when there is no corresponding purchase on a Card. 20.8 Subject to Applicable Law, You may not give cash Refunds to Cardholders for goods or services they purchase using Transactions. We have no obligation to accept any returns of any of Your goods or services on Your behalfbeh alf. 20.9 We may refuse to execute a Transaction or Refund if it does not meet the conditions in these Payment Terms or is prohibited by law. If We do refuse to execute a Transaction or RefundRefun d, within the time for processing the Transaction or Refund, We will notify You (unless prohibited by law) of the refusal and, if possible, the reasons for it and the procedure for correcting any factual mistakes that led to the refusal. Any Transaction or Refund that is refused will not be deemed to have been received for purposes of execution times and liability for non-execution or defective execution. 20.10 In order to reclaim an unauthorised or incorrectly executed Refund on Your PayFac Account, You must notify Us without undue delay after becoming aware of the unauthorised ofthe un authorised or incorrect Refund and in any event no later than sixty (60) days after the debit date d ate of the Refund. 20.11 If You prove to Us that a Refund was unauthorised, We will correct that Refund as soon as practicable, and in any event no later than the end of the Business Day following the day on which We become aware of the unauthorised un authorised Transaction. 20.12 We must, on request by You, immediately and without charge make efforts to trace any non-executed or defectively executed Transaction and notify You of the outcome. 20.13 Where We are liable to You for the correct transmission of the payment order to Your payment services provider, it will immediately re- transmit Cardholder’s payment order to Your payment services provider. 20.14 We will be liable to You for any charges for which You are responsible and any interest which You must pay as a consequence of any non-execution or defective or late execution of a Transaction.

Refunds and Returns. 20.1 You understand 24.1 Customer understands and agree agrees that a Cardholder may be entitled to a Refund from their payment provider of the full amount of any authorised Transaction You initiate Customer initiates if: 20.1.1 24.1.1 the authorisation did not specify the exact amount of the Transaction when the authorisation was given; and 20.1.2 24.1.2 the amount of the Transaction exceeded the amount that the Cardholder could reasonably have expected, taking into account the Cardholder’s previous spending pattern, the conditions of the authorisation and the particular circumstances of the case. 20.2 24.2 By accepting Transactions through the Payment Services, You agree ▇▇▇▇▇▇▇▇ agrees to process returns of and provide Refunds and adjustments for, Your Customer’s goods or services through Your PayFac Customer’s Pay360 Account in accordance with these Payment Terms and Network Rules. 20.3 24.3 Network Rules require that You disclose Your Customer discloses Customer’s return or cancellation policy to Cardholders at the time of purchase. The amount of the Refund/adjustment must include any associated Taxes required to be Refunded and cannot exceed the amount shown as the total on the original sales data except by the exact amount required to reimburse the Cardholder for postage that the Cardholder paid to return merchandise. 20.4 24.4 If Your Customer’s Refund policy prohibits returns or is unsatisfactory to the Cardholder, You Customer may still receive a Chargeback relating to such sales. 20.5 You 24.5 Customer can process a Refund through Your Customer’s Digital Portal. We Capita will credit the full value back to Cardholder and debit the full value from Your PayFac Customer’s Pay360 Account and Nominated Bank Account after debiting our Fees and / or Set Off(s) as applicableAccount. We Capita will not refund to You the Customer the initial Transaction fee. 20.6 24.6 The Fees are also Refunded by UsCapita, so the full purchase amount is always returned to Your Customer’s Cardholder. You Customer must issue Cardholder Refunds to the card account used to make the original purchase and only in the original amount of the corresponding charge for which You are Customer is submitting the Refund. 20.7 You 24.7 Customer may not submit a Refund when there is no corresponding purchase on a Card. 20.8 24.8 Subject to Applicable Law, You Customer may not give cash Refunds to Cardholders for goods or services they purchase using Transactions. We have Capita has no obligation to accept any returns of any of Your Customer’s goods or services on Your Customer’s behalf. 20.9 We 24.9 Capita may refuse to execute a Transaction or Refund if it does not meet the conditions in these Payment Terms or is prohibited by law. If We do Capita does refuse to execute a Transaction or Refund, within the time for processing the Transaction or Refund, We it will notify You Customer (unless prohibited by law) of the refusal and, if possible, the reasons for it and the procedure for correcting any factual mistakes that led to the refusal. Any Transaction or Refund that is refused will not be deemed to have been received for purposes of execution times and liability for non-execution non‐execution or defective execution. 20.10 24.10 In order to reclaim an unauthorised or incorrectly executed Refund on Your PayFac the Customer’s Pay360 Account, You Customer must notify Us Capita without undue delay after becoming aware of the unauthorised or incorrect Refund and in any event no later than sixty (60) days after the debit date of the Refund. 20.11 24.11 If You prove Customer proves to Us Capita that a Refund was unauthorised, We Capita will correct that Refund as soon as practicable, and in any event no later than the end of the Business Day following the day on which We become Capita becomes aware of the unauthorised Transaction. 20.12 We 24.12 Capita must, on request by You▇▇▇▇▇▇▇▇, immediately and without charge make efforts to trace any non-executed non‐executed or defectively executed Transaction and notify You Customer of the outcome. 20.13 24.13 Where We are Capita is liable to You Customer for the correct transmission of the payment order to Your the Customer’s payment services provider, it will immediately re- re‐ transmit Cardholder’s payment order to Your the Customer’s payment services provider. 20.14 We 24.14 Capita will be liable to You Customer for any charges for which You are Customer is responsible and any interest which You Customer must pay as a consequence of any non-execution non‐execution or defective or late execution of a Transaction.

Refunds and Returns. 20.1 You understand must submit all requests for refunds and agree that a Cardholder may be entitled to a Refund from their payment provider adjustments for returns of the full amount of any authorised Transaction You initiate if: 20.1.1 the authorisation did not specify the exact amount of the Transaction when the authorisation was given; and 20.1.2 the amount of the Transaction exceeded the amount that the Cardholder could reasonably have expected, taking into account the Cardholder’s previous spending pattern, the conditions of the authorisation and the particular circumstances of the case. 20.2 By accepting Transactions your products or services through the Payment Services, You agree to process returns of and provide Refunds and adjustments for, Your goods or services through Your PayFac Account Service in accordance with these Payment Terms and Network Conditions and the applicable Card Scheme Rules. 20.3 Network Rules require that . All refunds and adjustments related to Card transactions must be made to the customer’s Card. You undertake to: a) maintain a fair return, cancellation or adjustment policy, b) disclose Your your return or cancellation policy to Cardholders customers at the time of purchase, c) not give cash refunds to a customer in connection with a Card transaction, unless required by law, and d) not accept cash or any other item of value for preparing a Card transaction refund. The Full refunds must be for the exact amount of the Refund/adjustment must include any associated Taxes required to be Refunded original transaction including tax and canhandling charges. The refund amount may not exceed the original sale amount shown as except by an amount equal to any reimbursements to the total on customer for postage costs incurred for product returns. Refunds processed through the Payment Service must be submitted within thirty days of the original sales data except by transaction. How the exact refund is processed through the Payment Service depends on which group of Merchants you belong to in accordance with section 1 above: 1. If you are a Zettle-only Merchant or a Connected Merchant, for approved refunds, we will deduct the refund amount required (including any applicable fees) from funds owed to reimburse you from the Cardholder processing of other transactions, or funds credited to your Zettle Account. If these funds are insufficient, you understand and agree that we are not obligated to process the refunds. If we do process such refunds and it results in a negative balance to your Zettle Account, you agree to pay all funds owed to us immediately on demand. Through the Zettle Account settings, you may select and instruct us to maintain funds on your Zettle Account specifically for postage that the Cardholder paid funding refunds or to return merchandiseexpedite execution of refunds. 20.4 2. If Your Refund policy prohibits returns you are a Fully Merged Merchant, for approved refunds, we will deduct the refund amount (including any applicable fees) from funds owed to you from processing of other transactions, or is unsatisfactory funds on your PayPal Account. If these funds are not sufficient, you understand and agree that we are not obligated to process the Cardholderrefunds. If we do process such refunds and it results in a negative balance on your PayPal Account, You you agree to pay all funds owed to us immediately on demand and any applicable process described in the PayPal User Agreement may still receive a Chargeback relating to such sales. 20.5 You can process a Refund through Your Digital Portal. We will credit the full value back to Cardholder and debit the full value from Your PayFac Account and Nominated Bank Account after debiting our Fees and / or Set Off(s) as applicable. We will not refund to You the initial Transaction fee. 20.6 The Fees are also Refunded by Us, so the full purchase amount is always returned to Your Cardholderbe enacted. You must issue Cardholder Refunds to the card account used to make the original purchase are solely responsible for accepting and only in the original amount of the corresponding charge for which You are submitting the Refund. 20.7 You may not submit a Refund when there is no corresponding purchase on a Card. 20.8 Subject to Applicable Law, You may not give cash Refunds to Cardholders for goods or services they purchase using Transactions. We have no obligation to accept any processing returns of any of Your goods your products or services on Your behalfservices. 20.9 We may refuse to execute a Transaction or Refund if it does not meet the conditions in these Payment Terms or is prohibited by law. If We do refuse to execute a Transaction or Refund, within the time for processing the Transaction or Refund, We will notify You (unless prohibited by law) of the refusal and, if possible, the reasons for it and the procedure for correcting any factual mistakes that led to the refusal. Any Transaction or Refund that is refused will not be deemed to have been received for purposes of execution times and liability for non-execution or defective execution. 20.10 In order to reclaim an unauthorised or incorrectly executed Refund on Your PayFac Account, You must notify Us without undue delay after becoming aware of the unauthorised or incorrect Refund and in any event no later than sixty (60) days after the debit date of the Refund. 20.11 If You prove to Us that a Refund was unauthorised, We will correct that Refund as soon as practicable, and in any event no later than the end of the Business Day following the day on which We become aware of the unauthorised Transaction. 20.12 We must, on request by You, immediately and without charge make efforts to trace any non-executed or defectively executed Transaction and notify You of the outcome. 20.13 Where We are liable to You for the correct transmission of the payment order to Your payment services provider, it will immediately re- transmit Cardholder’s payment order to Your payment services provider. 20.14 We will be liable to You for any charges for which You are responsible and any interest which You must pay as a consequence of any non-execution or defective or late execution of a Transaction.

Refunds and Returns. 20.1 You understand and agree that a Cardholder may be entitled to a Refund from their payment provider of the full amount of any authorised Transaction You initiate if: 20.1.1 the authorisation did not specify the exact amount of the Transaction when the authorisation was given; and 20.1.2 the amount of the Transaction exceeded the amount that the Cardholder could reasonably have expected, taking into account the Cardholder’s previous spending pattern, the conditions of the authorisation and the particular circumstances of the case. 20.2 By accepting Transactions through the Payment Services, You agree to process returns of and provide Refunds and adjustments for, Your goods or services through Your PayFac Account in accordance with these Payment Terms and Network Rules. 20.3 Network Rules require that You disclose Your return or cancellation policy to Cardholders at the time of purchase. The amount of the Refund/adjustment must include any associated Taxes required to be Refunded and cannot exceed the amount shown as the total on the original sales data except by the exact amount required to reimburse the Cardholder for postage that the Cardholder paid to return merchandise. 20.4 If Your Refund policy prohibits returns or is unsatisfactory to the Cardholder, You may still receive a Chargeback relating to such sales. 20.5 You can process a Refund through Your Digital Portal. We will credit the full value back to Cardholder and debit the full value from Your PayFac Account and Nominated Bank Account after debiting our Fees and / or Set Off(s) as applicableAccount. We will not refund to You the initial Transaction fee. 20.6 The Fees are also Refunded by Us, so the full purchase amount is always returned to Your Cardholder. You must issue Cardholder Refunds to the card account used to make the original purchase and only in the original amount of the corresponding charge for which You are submitting the Refund. 20.7 You may not submit a Refund when there is no corresponding purchase on a Card. 20.8 Subject to Applicable Law, You may not give cash Refunds to Cardholders for goods or services they purchase using Transactions. We have no obligation to accept any returns of any of Your goods or services on Your behalf. 20.9 We may refuse to execute a Transaction or Refund if it does not meet the conditions in these Payment Terms or is prohibited by law. If We do refuse to execute a Transaction or Refund, within the time for processing the Transaction or Refund, We will notify You (unless prohibited by law) of the refusal and, if possible, the reasons for it and the procedure for correcting any factual mistakes that led to the refusal. Any Transaction or Refund that is refused will not be deemed to have been received for purposes of execution times and liability for non-execution or defective execution. 20.10 In order to reclaim an unauthorised or incorrectly executed Refund on Your PayFac Account, You must notify Us without undue delay after becoming aware of the unauthorised or incorrect Refund and in any event no later than sixty (60) days after the debit date of the Refund. 20.11 If You prove to Us that a Refund was unauthorised, We will correct that Refund as soon as practicable, and in any event no later than the end of the Business Day following the day on which We become aware of the unauthorised Transaction. 20.12 We must, on request by You, immediately and without charge make efforts to trace any non-executed or defectively executed Transaction and notify You of the outcome. 20.13 Where We are liable to You for the correct transmission of the payment order to Your payment services provider, it will immediately re- transmit Cardholder’s payment order to Your payment services provider. 20.14 We will be liable to You for any charges for which You are responsible and any interest which You must pay as a consequence of any non-execution or defective or late execution of a Transaction.

Refunds and Returns. 20.1 You understand and agree that a Cardholder may be entitled to a Refund from their payment provider of the full amount of any authorised Transaction You initiate if: 20.1.1 the authorisation did not specify the exact amount of the Transaction when the authorisation was given; and 20.1.2 the amount of the Transaction exceeded the amount that the Cardholder could reasonably have expected, taking into account the Cardholder’s previous spending pattern, the conditions of the authorisation and the particular circumstances of the case. 20.2 By accepting Transactions through the Payment Services, You agree to process returns of and provide Refunds and adjustments for, Your goods or services through Your PayFac Pay360 Account in accordance with these Payment Terms and Network Rules. 20.3 Network Rules require that You disclose Your return or cancellation policy to Cardholders at the time of purchase. The amount of the Refund/adjustment must include any associated Taxes required to be Refunded and cannot exceed the amount shown as the total on the original sales data except by the exact amount required to reimburse the Cardholder for postage that the Cardholder paid to return merchandise. 20.4 If Your Refund policy prohibits returns or is unsatisfactory to the Cardholder, You may still receive a Chargeback relating to such sales. 20.5 You can process a Refund through Your Digital Portal. We will credit the full value back to Cardholder and debit the full value from Your PayFac Pay360 Account and Nominated Bank Account after debiting our Fees and / or Set Off(s) as applicableAccount. We will not refund to You the initial Transaction fee. 20.6 The Fees are also Refunded by Us, so the full purchase amount is always returned to Your Cardholder. You must issue Cardholder Refunds to the card account used to make the original purchase and only in the original amount of the corresponding charge for which You are submitting the Refund. 20.7 You may not submit a Refund when there is no corresponding purchase on a Card. 20.8 Subject to Applicable Law, You may not give cash Refunds to Cardholders for goods or services they purchase using Transactions. We have no obligation to accept any returns of any of Your goods or services on Your behalf. 20.9 We may refuse to execute a Transaction or Refund if it does not meet the conditions in these Payment Terms or is prohibited by law. If We do refuse to execute a Transaction or Refund, within the time for processing the Transaction or Refund, We will notify You (unless prohibited by law) of the refusal and, if possible, the reasons for it and the procedure for correcting any factual mistakes that led to the refusal. Any Transaction or Refund that is refused will not be deemed to have been received for purposes of execution times and liability for non-execution or defective execution. 20.10 In order to reclaim an unauthorised or incorrectly executed Refund on Your PayFac Pay360 Account, You must notify Us without undue delay after becoming aware of the unauthorised or incorrect Refund and in any event no later than sixty (60) days after the debit date of the Refund. 20.11 If You prove to Us that a Refund was unauthorised, We will correct that Refund as soon as practicable, and in any event no later than the end of the Business Day following the day on which We become aware of the unauthorised Transaction. 20.12 We must, on request by You, immediately and without charge make efforts to trace any non-executed or defectively executed Transaction and notify You of the outcome. 20.13 Where We are liable to You for the correct transmission of the payment order to Your payment services provider, it will immediately re- transmit Cardholder’s payment order to Your payment services provider. 20.14 We will be liable to You for any charges for which You are responsible and any interest which You must pay as a consequence of any non-execution or defective or late execution of a Transaction.