JAMSkins: Refund and Chargeback Policy

Last Updated: August 1st, 2026

This Refund and Chargeback Policy ("Policy") is an integral part of the JAMSkins.com Terms of Service and AML Policy, which outline the terms under which transactions, specifically optional fiat payments (credit/debit cards, etc.), are processed on the Website.

By completing a transaction on JAMSkins.com, you acknowledge and agree to the following terms and conditions.

OPERATOR RESPONSIBILITIES (EEA vs. GLOBAL)

Depending on your geographical location, fiat payment transactions, refund evaluations, and chargeback management are handled by different respective entities:

For users residing in the European Economic Area (EEA): All fiat payment transactions, refund evaluations, and chargeback management are exclusively handled by our EEA Site Operator, DIGIVENTA LTD (Cyprus).
For all other users (Global / Non-EEA): All fiat payment transactions, refund evaluations, and chargeback management are exclusively handled by our Global Site Operator, CyberNova Ltd (Seychelles).

Any reference to "we," "us," or "our" in this Policy refers to the specific Site Operator (DIGIVENTA LTD or CyberNova Ltd) responsible for your jurisdiction as defined above.

1. GENERAL "NO REFUND" POLICY

As outlined in Section 5.2 and Section 6.3 of our Terms of Service, all top-up transactions and purchases of virtual entertainment credits ("Coins") made on JAMSkins.com are final and instantaneous. By completing a deposit or purchase on the Website, you agree that no refunds, reversals, or cash redemptions will be issued for any products, licenses, or services utilized, consumed, or held on the Website, except as strictly required by applicable mandatory consumer protection laws.

2. NON-REFUNDABLE ITEMS

In accordance with Section 5.1 of our Terms of Service, all Virtual Items, Coins, and promotional JAMs are digital goods with no monetary value outside the Website. The following are strictly non-refundable under any circumstances:

Any Virtual Items (Skins) purchased, traded, exchanged, or obtained from opening virtual cases or interacting with promotional platform features;
Any Coins or promotional JAMs that have been partially or fully consumed to participate in any entertainment or promotional features on the Website;
Any processing fees, network gas costs, or gateway conversion charges levied by third-party payment processors or banks.

3. REFUNDS FOR UNUSED FIAT PURCHASES

While our general policy is strictly non-refundable, JAMSkins.com acknowledges that users may occasionally execute an accidental purchase or change their mind immediately after completing a transaction. The respective Site Operator (DIGIVENTA LTD for EEA users, or CyberNova Ltd for Global users) may, at its sole and absolute discretion, consider a manual refund request only if ALL of the following conditions are strictly met:

The transaction was executed via an authorized fiat payment method (credit/debit card, e-wallet). (Note: Due to their anonymous and irreversible nature, blockchain-based cryptocurrency transactions are fundamentally ineligible for refunds);
The purchased Coins remain completely unused, unconsumed, and intact on your Account balance;
The formal refund request is submitted directly to our Support Team at support@jamskins.com within twenty-four (24) hours of the original transaction timestamp;
The User provides valid and sufficient proof of ownership of the payment source utilized for the transaction, as explicitly requested by our Support Team.

If a refund request is approved, the equivalent amount of unused Coins will be deducted from your JAMSkins.com account balance, and the funds will be returned exclusively to the original payment method used for the transaction by the responsible Site Operator.

4. BILLING DISCREPANCIES AND TECHNICAL ERRORS

We strive to ensure accurate processing of all fiat transactions. However, technical errors may occasionally occur.

Billing Errors: If you believe you were incorrectly billed, double-charged, or charged for a transaction that did not occur, you must notify our Support Team at support@jamskins.com within thirty (30) days of the charge. Failure to report the discrepancy within this timeframe will result in the charge being deemed valid and final.
Balance Adjustments: As stated in Section 8.3 of our Terms of Service, we reserve the right to manually adjust, modify, or cancel any internal platform balance (Coins or JAMs) that has been incorrectly credited due to a payment processor error, network delay, or technical server bug.

5. CHARGEBACKS AND PAYMENT DISPUTES

A "chargeback" or payment dispute is a forced reversal of a fiat transfer initiated by your bank or credit card provider. We maintain a strict zero-tolerance policy against chargeback fraud, friendly fraud, and payment manipulation.

If you initiate a chargeback or payment dispute with your bank or payment provider without first contacting our Support Team to resolve the issue, the following immediate actions will be taken:

Account Termination: Your JAMSkins.com account will be suspended or permanently terminated immediately;
Forfeiture of Assets: Any remaining Coins, promotional JAMs, pending prize withdrawals, and Virtual Items in your account ecosystem will be immediately and permanently forfeited to cover administrative costs, legal expenses, and fees associated with processing the chargeback;
Dispute Resolution: The responsible Site Operator (DIGIVENTA LTD for EEA transactions, or CyberNova Ltd for Global transactions) will actively and aggressively dispute the chargeback with your bank or payment gateway by providing comprehensive digital evidence, including your registered IP address, device fingerprints, account transaction history, server log files, and indisputable proof of delivery/usage of the purchased Coins.

6. CONTACT US

If you experience any issues with a fiat deposit or Coin purchase, do not contact your bank immediately. Please reach out to our Support Team first. We are highly responsive, available 24/7, and dedicated to resolving legitimate billing issues safely and efficiently.

Email: support@jamskins.com

The Global Site Operator (Responsible for non-EEA refunds and chargebacks): CyberNova Ltd (Company Registration No.: 248546), House of Francis, Room 303, Ile Du Port, Mahe, Seychelles.

The EEA Site Operator (Responsible for EEA refunds and chargebacks): DIGIVENTA LTD (Company Registration No.: HE 485123), A.G. Leventi, 5, THE LEVENTIS GALLERY TOWER, 13th floor, Flat/Office 1301, 1097, Nicosia, Cyprus.