Dispute & Chargeback Resolution Policy

If you do not recognize a charge or believe there is a problem with a payment, please contact us before initiating a chargeback with your bank or card issuer. In most cases we can investigate and resolve the issue directly — including issuing an eligible refund — faster than the formal chargeback process and without any impact to your account. Email support@mikomiko.ai. We respond within 24–48 hours.

To help us investigate quickly, please provide the following when you contact us:

• The email address associated with your account.
• The date and amount of the charge.
• The payment method used and the order or reference identifier from your receipt.
• A description of the problem (for example, charge not recognized, duplicate charge, product not received, or unauthorized transaction).

• Acknowledgement: we aim to acknowledge billing disputes within three (3) business days.
• Investigation: we review transaction records, payment-processor data, account and login history, and product usage (for example, whether purchased credits were delivered and consumed).
• Resolution: where a dispute is valid (such as a duplicate charge, non-delivery, or unauthorized transaction), we will correct the issue, which may include a full or partial refund to the original payment method, in line with our Refund Policy.
• Communication: we explain our decision in writing, including the reason where a request is declined.
• Target timeline: most disputes are resolved within ten (10) business days, depending on complexity and the responsiveness of third parties.

4.1 Our response

• We are notified of the chargeback by our payment processor and review the underlying transaction.
• Where we believe the charge was valid and the product was delivered, we may submit representment evidence to the card network. This can include transaction logs, authentication and signature-verification records, delivery and usage records, and our applicable policies (Terms, Refund Policy, and this policy).
• Where the chargeback is valid (for example, confirmed fraud), we accept it and secure the affected account.
• The final decision on a chargeback is made by the card network or issuing bank, not by mikomiko.

4.2 Friendly fraud and account impact

Filing a chargeback for a purchase you actually received and used, instead of requesting a refund, is sometimes called “friendly fraud.” To protect the platform, accounts associated with illegitimate chargebacks may be suspended or terminated, and access to purchased benefits may be revoked, as permitted by our Terms and Refund Policy.

If you are not satisfied with the outcome of a dispute, you may ask us to escalate the matter for a further internal review by replying to our decision email. We will respond with a final position. This does not affect any rights you may have under applicable law or with your payment provider or card network.

We retain records relating to transactions, disputes, and chargebacks for the period required by applicable law and payment-network rules. Dispute information is handled in accordance with our Privacy Policy and shared only as necessary to investigate and resolve the matter, including with payment processors, card networks, and competent authorities.

For billing disputes and chargeback questions, email support@mikomiko.ai. We respond within 24–48 hours.