Return Policy

NETWORK CLEARING LLC

Effective Date: February 20, 2026 Network Clearing LLC 1001 S Main St Suite 600 Kalispell, MT 59901

1. Overview

Network Clearing LLC provides agent of payee payment collection services, digital asset custody and conversion, cross-border settlement, and related money services. As an authorized agent of payee and Money Services Business (MSB), our services differ from traditional retail product sales. Network Clearing collects payments on behalf of sellers (each a "Principal") pursuant to written agency agreements.

2. Principal Returns

2.1 General Policy

For purchases where Network Clearing collected payment as the Principal's agent of payee:

Returns are subject to the Principal's return policy
Network Clearing LLC acts as the Principal's authorized agent of payee and does not control the Principal's return policies
Each Principal establishes their own terms for returns, refunds, and exchanges
You must contact the Principal directly to initiate a return

2.2 Principal Responsibilities

Principals using our agent of payee services are responsible for:

Clearly displaying their return policy to customers
Processing legitimate return requests in accordance with their stated policy
Authorizing refunds in writing for Network Clearing to process
Maintaining records of all return transactions

2.3 Our Role

Network Clearing LLC will:

Process refund transactions upon the Principal's express written authorization
Provide transaction records and receipts
Assist with dispute resolution when appropriate
Maintain transaction history for your reference

Network Clearing does not have independent authority to issue refunds. All refund decisions are made by the Principal.

3. Service Fees

3.1 Non-Refundable Fees

The following fees are non-refundable:

Transaction fees for completed money transfers
Foreign exchange spreads on currency conversions
Wire transfer fees for sent payments
Account maintenance fees (monthly/annual charges)

3.2 Refundable Circumstances

Fees may be refunded in the following situations:

System error: If our platform malfunction causes incorrect fee assessment
Duplicate charges: If you are charged multiple times for a single transaction
Unauthorized transactions: If fees result from unauthorized account access (subject to investigation)
Failed transactions: If a transaction fails due to our system issues and funds were not delivered

3.3 Refund Process for Fees

To request a fee refund:

Contact customer support at support@networkclearing.us
Provide transaction details (date, amount, reference number)
Explain the reason for the refund request
Allow up to 10 business days for review and processing

4. Transaction Reversals

4.1 Reversible Transactions

Certain transactions may be reversed:

ACH transactions: May be reversed within 60 days under certain circumstances
Pending transfers: Transfers not yet completed may be cancelled
Pre-authorized payments: May be cancelled before execution date

4.2 Non-Reversible Transactions

The following are generally irreversible:

Wire transfers: Once completed, cannot be reversed
Cryptocurrency transfers: Blockchain transactions are permanent
Completed foreign exchange: Once currency is exchanged and delivered

4.3 Reversal Requests

To request a transaction reversal:

Contact us immediately upon discovering an error
Provide complete transaction details
Explain the reason for reversal
Understand that reversals are not guaranteed and depend on transaction type and timing

5. Chargebacks

5.1 For Cardholders

If you made a purchase where Network Clearing processed payment as the Principal's agent:

You may dispute charges directly with us
Chargeback rights are governed by card network rules (Visa, Mastercard)
You have 60-120 days from transaction date to file a dispute (varies by card network)
Valid reasons include: unauthorized charges, goods not received, goods significantly different from description

5.2 For Principals

If you are a Principal and receive a chargeback:

You will be notified via email and Platform notification
You have 7-10 days to respond with evidence
Chargeback fees may apply even if you win the dispute
Excessive chargebacks may result in increased reserves, modified settlement terms, or termination
Chargeback decisions (contest or accept) are made by you; Network Clearing facilitates the documentation process

5.3 Chargeback Process

Notification: You receive notice of the chargeback
Evidence submission: Principal provides proof of delivery, terms acceptance, etc.
Review: Card network or issuer reviews evidence
Decision: Funds are either returned to cardholder or to Principal
Final: Most decisions are final; limited appeal options exist

6. Dispute Resolution

6.1 How to File a Dispute

For any issues with transactions:

Contact customer support first: support@networkclearing.us
Provide documentation: Receipts, screenshots, correspondence with the Principal
Explain the issue clearly: What went wrong and what resolution you seek
Allow time for investigation: We typically respond within 10 business days

6.2 Investigation Process

During our investigation:

We may temporarily freeze related funds
We will contact all parties involved (you, the Principal, partner institutions)
We may request additional documentation from you
We will provide updates on investigation progress

6.3 Resolution Outcomes

Possible outcomes:

Full refund: Amount returned to your account (upon Principal's authorization)
Partial refund: Compromise solution (upon Principal's authorization)
No refund: If evidence supports the original transaction
Account credit: Non-cash compensation in some cases

7. Unauthorized Transactions

7.1 Reporting Requirements

If you believe unauthorized transactions occurred on your account:

Report immediately: Email support@networkclearing.us
Within 60 days: You must report within 60 days of statement date for maximum protection
Provide details: Transaction date, amount, and why you believe it's unauthorized

7.2 Our Investigation

We will:

Temporarily credit your account (in many cases)
Investigate the claim thoroughly
Review account access logs and authentication records
Contact you for additional information if needed
Provide final determination within 45 days (90 days for new accounts)

7.3 Your Liability

Your liability for unauthorized transactions depends on when you report:

Before any unauthorized use: $0 liability
Within 2 days of discovery: Maximum $50 liability (for certain account types)
Within 60 days: Maximum $500 liability (for certain account types)
After 60 days: Potentially unlimited liability for unauthorized transactions occurring after the 60-day period

8. Cancellation of Services

8.1 Cancelling Your Account

You may cancel your Network Clearing LLC account at any time:

No cancellation fee for closing your account
You must withdraw all funds before closure
Settle any negative balances or outstanding fees
Request closure via customer support

8.2 Refunds Upon Cancellation

Prepaid fees: Non-refundable (e.g., annual account fees paid in advance)
Unused services: No refunds for unutilized account features
Remaining balance: All funds must be withdrawn before account closure

9. Contact Information

For returns, refunds, or disputes:

Network Clearing LLC 1001 S Main St Suite 600 Kalispell, MT 59901

Customer Support: Email: support@networkclearing.us Hours: 24/7 (email)

Compliance & Disputes: Email: compliance@networkclearing.us

General Inquiries: Email: info@networkclearing.us

10. Regulatory Information

Network Clearing LLC is a federally registered Money Services Business (MSB) with FinCEN and acts as an authorized agent of payee on behalf of Principals for payment collection purposes.

If you have unresolved complaints, you may contact:

FinCEN: FRC@fincen.gov or (800) 949-2732
Consumer Financial Protection Bureau (CFPB): www.consumerfinance.gov/complaint

11. Changes to This Policy

We may update this Return Policy from time to time. Changes will be effective upon posting to our website. Continued use of our services constitutes acceptance of the updated policy.

Last Updated: February 20, 2026
Version: 2.1

Network Clearing