GadaaPay – Refund & Error Resolution Policy

Version 1.0 — United States Only

Effective Date: [Insert Date]

This Refund & Error Resolution Policy explains how GadaaPay handles disputed transactions, failed payments, and refund requests.

By using GadaaPay, you agree to this policy.

1. Overview

GadaaPay provides peer-to-peer money transfers between U.S. users.

Funds added and withdrawn through Stripe and partner banks follow strict financial protocols.

This policy covers:

• Failed “Add Money” transactions

• Failed withdrawals

• Errors in sending or receiving funds

• Unauthorized or suspicious transactions

• Disputed transfers

2. Reporting an Error

If you believe an error occurred, you must contact us:

Email: support@gadaapay.com

Timeframe: Within 10 business days of discovering the error.

Provide:

• Your name

• Phone number

• Date and amount of the transaction

• Description of the issue

3. Types of Errors Covered

GadaaPay will investigate the following:

3.1 Add Money Errors

• Card charged but wallet not credited

• Duplicate charge

• Failed add-money attempt due to system error

3.2 Send/Receive Errors

• Money sent to the wrong user due to system mistake

• Duplicate sends

• Transaction stuck or pending for too long

3.3 Withdrawal Errors

• Withdrawal deducted from wallet but not delivered to bank

• Duplicate withdrawals

• Failed withdrawal processing

3.4 Unauthorized Transactions

Unknown login

• Fraud or account takeover

• Activity not performed by you

• 4. What Is NOT Eligible for Refund

GadaaPay does not provide refunds for:

• Money sent to the wrong user due to your mistake

• Money sent willingly but regretted later

• Personal disputes (gifts, loans, disagreements)

• Transfers made to scammers you voluntarily interacted with

• Transactions older than 60 days
  

For scam prevention, we may freeze accounts involved.

5. Investigation Timeline

After you submit a report:

Step 1 — Acknowledge (within 24–48 hours)

We confirm we received your inquiry.

Step 2 — Investigation (within 10 business days)

We review:

• Logs
  
  

• Device ID
  
  

• IP address
  
  

• Transaction history
  
  

• Stripe records
  
  

• Bank confirmation
  
  

Step 3 — Provisional Credit (if needed)

If we need more time:

• We may give provisional credit to your wallet
  
  

• Pending final resolution
  
  

• Rare cases only
  
  

Step 4 — Final Resolution

We will issue a final decision and explanation.

6. Refund Methods

If GadaaPay determines the error was caused by:

✔ System error

Refund is returned to your GadaaPay wallet or original payment method.

✔ Duplicate charge

We reverse or refund the duplicate.

✔ Failed Add Money

Funds are automatically reversed by Stripe or refunded.

✔ Unauthorized activity

We reverse unauthorized transfers after investigation.

Refunds typically take:

• Instant → GadaaPay wallet
  
  

• 1–5 business days → Bank/Card
  
  

7. Withdrawals & Bank Processing

When withdrawing money:

• Funds may take 1–3 business days to reach your bank
  
  

• Delays may occur due to banking hours, weekends, or holidays
  
  

• GadaaPay is not responsible for bank-side delays
  
  

If the bank rejects the deposit, money is returned to your wallet.

8. Account Freezes During Investigation

To protect your funds:

• GadaaPay may temporarily freeze your account
  
  

• Prevent money movement
  
  

• Request verification
  
  

• Require proof of identity
  
  

This is standard practice.

9. Final Decision

GadaaPay’s investigation decision is final unless:

• New information is provided
  
  

• Law enforcement intervenes
  
  

• Bank/Treasury requires additional review
  

10. Contact Information

For refunds and error questions:

GadaaPay LLC

Email: support@gadaapay.com

Website: https://gadaapay.com