FindEscorts.co.nz (“FindEscorts”, “we”, “our”, or “us”) provides advertising and promotional services for verified independent users. By using our website and purchasing any listing, subscription, or service, you acknowledge and agree to the following strict no-refund policy.
All payments are final once processed. Refunds are not provided under any circumstances.
This policy exists to maintain compliance with identity verification, fraud prevention, and transparent billing practices.
1. Friendly Fraud / Discretion
Reason for refund/chargeback request: “I didn’t make this purchase.”
How we mitigate this:
Our payment processor uses a clear billing descriptor that includes our platform name and domain to prevent confusion.
Every transaction is traceable to a verified user account, confirmed via ID verification, IP logging, and device tracking.
Users must complete two-step verification before purchasing, ensuring full authorization.
All transactions are verifiably initiated by the account holder. No refunds are issued.
2. Service Dispute
Reason for refund/chargeback request: “Services not as described.
How we mitigate this:
All services are clearly described on the website before checkout.
Listings, profiles, and ad durations are defined with full transparency.
Prior to purchase, users must tick a mandatory “I Agree” box confirming understanding of the service description and terms.
Services are delivered exactly as described upon activation. No refunds are issued.
3. Regret / Refund Denial
Reason for refund/chargeback request: “I changed my mind."
How we mitigate this:
Purchases are considered final once submitted.
Service activation is immediate and cannot be reversed once a listing goes live.
This policy is displayed prominently at checkout and must be acknowledged before payment.
Change-of-mind requests are not eligible for refunds.
4. True Fraud
Reason for refund/chargeback request: “A stolen card was used."
How we mitigate this:
Our payment processors use advanced fraud detection tools, including:
- Identity Verification (IDV)
- Address Verification System (AVS)
- Card Verification Value (CVV)
- 3D Secure authentication
- IP geolocation and velocity checks
- Transactions flagged as high-risk are automatically blocked or held for manual review.
Fraudulent activity is reported to relevant authorities. Verified legitimate transactions remain non-refundable.
5. Recurring Billing Dispute
Reason for refund/chargeback request: “I canceled my subscription."
How we mitigate this:
Users can easily manage or cancel subscriptions directly from their account dashboard.
All cancellations are confirmed by email for record-keeping.
Billing cycles and renewal dates are clearly shown during purchase.
Users are responsible for managing renewals prior to the next billing date. No retroactive refunds are issued.
6. Legal and Compliance Notice
FindEscorts complies with all applicable New Zealand laws and international payment regulations.
Our payment processors maintain PCI-DSS compliance, and all records of user identity, transaction logs, and billing details are securely retained for verification and fraud prevention purposes.
7. Summary
All payments are final.
No refunds or chargebacks are permitted once a transaction is processed.
By purchasing services, users agree that FindEscorts has fulfilled its obligation upon activation of the listing or subscription.
Disputed or fraudulent chargebacks will result in permanent account suspension and reporting to relevant financial authorities.