Effective Date: 29 December 2025
This Refund, Chargeback and Payment Dispute Policy (“Policy”) applies to https://skin4beast.com (the “Website”) and to the digital marketplace services made available through it, including the buying, selling, exchange, listing, transfer, withdrawal, and other supported transactions involving Counter-Strike 2 cosmetic items and any other supported digital in-game items made available through the platform (together, the “Service”).
The Service is operated by the company identified in Section 16 of this Policy (“Company”, “we”, “us”, or “our”).
This Policy explains how the Company handles:
- refund requests;
- duplicate billing and unauthorized payment claims;
- payment disputes and chargebacks;
- verification requirements; and
- corrective measures connected with disputed transactions.
This Policy should be read together with the Website Terms and Conditions and any other legal notices published on the Website.
Nothing in this Policy excludes, limits, or waives any consumer right that cannot lawfully be excluded under applicable law.
1. Nature of the Service
1.1. The Service is an online marketplace environment through which users may buy, sell, list, exchange, transfer, or withdraw supported digital in-game items.
1.2. Transactions on the Service concern digital items and related marketplace functionality. Once a supported item has been successfully delivered, transferred, listed, withdrawn, or otherwise made available in accordance with the relevant transaction, it may not be capable of return or reversal in the same way as a physical product.
1.3. Because the Service involves digital items, platform functionality, and third-party account integrations, refund availability is limited to the extent permitted by law, applicable payment rules, and the technical realities of completed digital delivery.
1.4. The Service may depend in part on external systems and providers, including Steam, payment providers, banks, card issuers, and other technical intermediaries. The Company is not responsible for the operation of third-party systems outside its reasonable control, subject always to mandatory law.
2. Payments and Third-Party Payment Providers
2.1. Payments connected with the Service are processed through independent third-party payment service providers (“PSPs”), banks, acquiring institutions, card issuers, or other relevant payment intermediaries.
2.2. The Company does not itself operate as a bank, card issuer, or regulated payment institution merely by making the Service available.
2.3. The Company does not directly control issuer timelines, acquirer processing times, banking delays, card-scheme procedures, or the operational handling of payment disputes by third parties.
2.4. Transactions may therefore also be subject to the rules, technical checks, authentication procedures, fraud controls, and dispute-handling mechanisms of the relevant PSP, bank, acquirer, issuer, or card scheme.
2.5. Nothing in this Policy removes any rights a user may have directly against a bank, card issuer, PSP, or other payment provider under applicable law or scheme rules. Chargeback rights, where available, are typically governed by card-scheme arrangements rather than forming a general statutory right.
3. General Refund Position
3.1. Due to the digital nature of the Service, transactions are generally final once the relevant digital item or paid digital benefit has been successfully delivered, transferred, listed, withdrawn, credited, or otherwise made available in accordance with the transaction.
3.2. Refunds are therefore available only in limited circumstances, including where:
(a) required by mandatory law;
(b) justified by a verified billing or processing error;
(c) justified by verified non-delivery or incomplete performance attributable to the Company’s systems or
transaction flow; or
(d) otherwise expressly approved by the Company in writing.
3.3. A refund will not ordinarily be granted merely because:
(a) a user later changes their mind;
(b) the market value of a skin changes after the transaction;
(c) the user no longer wishes to proceed after proper delivery or transfer;
(d) the user failed to review item details, account details, or transaction terms before confirming the
transaction; or
(e) inconvenience or loss arises from an external platform, third-party account issue, or other factor
outside the Company’s reasonable control.
3.4. Where only part of a transaction is affected by a verified issue, the Company may provide a proportionate remedy limited to the affected part, to the extent permitted by law.
4. Circumstances in Which a Refund or Corrective Remedy May Be Considered
4.1. Subject to applicable law, the Company may consider a refund, reversal, or other corrective remedy
where it verifies one or more of the following:
(a) Duplicate Billing
The same transaction was charged more than once due to a technical, processor, or billing error.
(b) Non-Delivery
A user paid for a supported digital item or paid marketplace function, but the item or function was not delivered or made available, and the failure is attributable to a verified issue within the Company’s
systems or transaction flow.
(c) Failed or Incomplete Transaction
A payment was captured or settled, but the corresponding transaction was not completed and the digital
item or paid benefit was not supplied.
(d) Unauthorized Transaction
There is credible evidence that a payment was not authorized by the legitimate holder of the payment
method, subject to verification and any contrary evidence reasonably available to the Company, the PSP,
or the issuer.
(e) Other Exceptional and Documented Circumstances
The Company may, in its discretion, consider a refund or account adjustment in other exceptional cases
where doing so is appropriate, lawful, and operationally possible.
4.2. Where appropriate, the Company may provide a non-cash corrective remedy instead of a monetary
refund, including cancellation before completion, balance correction, re-delivery, restoration of the
affected transaction state, or other reasonable adjustment that adequately resolves the verified issue and is
consistent with applicable law.
5. Circumstances in Which Refunds Will Normally Not Be Granted
To the fullest extent permitted by law, refunds will ordinarily not be granted in the following cases:
5.1. The relevant digital item was successfully delivered, transferred, listed, withdrawn, or otherwise
made available in accordance with the transaction.
5.2. The user entered incorrect account, trade, wallet, or profile details, selected the wrong item, or
otherwise made an input error when completing the transaction.
5.3. The issue arises from loss of access to Steam or another external account, external account
restrictions, trade holds, technical limitations imposed by a third-party platform, or other matters outside
the Company’s reasonable control.
5.4. The user seeks reversal because the market value of a skin rose or fell after the transaction.
5.5. The user’s account has been suspended, restricted, or terminated due to fraud, abuse, chargeback
misuse, breach of the Terms and Conditions, payment misuse, manipulation, or other improper conduct.
5.6. The refund request is unsupported, materially incomplete, misleading, abusive, or fraudulent.
5.7. Granting the refund would require reversal of a completed digital transfer that is not technically or
operationally reversible.
5.8. Granting the refund would conflict with applicable law, PSP requirements, card-scheme rules, or
fraud prevention requirements.
6. Mandatory Consumer Rights
6.1. If a user is acting as a consumer and applicable law grants non-excludable rights, those rights remain
unaffected by this Policy.
6.2. Where the transaction includes digital content or digital services supplied by the Company to a
consumer, the Company will honor any non-excludable remedies required by applicable law if the digital
content or digital service is not as described, is not fit for purpose where the legal test is met, or is
otherwise non-conforming.
6.3. Where applicable law requires a refund or other remedy, the Company may apply the legally
available and proportionate remedy appropriate to the circumstances, subject to any statutory constraints.
7. How to Submit a Refund Request or Billing Complaint
7.1. Users seeking a refund, correction, reversal, or review of a disputed transaction must submit the
request through the Company’s official support contact details.
7.2. A request should include, where relevant:
(a) transaction reference number;
(b) date of transaction;
(c) payment method used;
(d) amount paid;
(e) user account details;
(f) item or transfer details;
(g) a description of the issue;
(h) screenshots, payment confirmations, or other supporting materials; and
(i) valid contact details.
7.3. The Company may request verification of the user’s identity or payment method ownership before
processing a refund request, where reasonably necessary to investigate the matter, prevent fraud, or
protect payment integrity.
7.4. The Company may reject or defer a request where information reasonably necessary for investigation
has not been provided.
8. Review and Processing of Refund Requests
8.1. Refund and billing complaints are reviewed on a case-by-case basis.
8.2. The Company may assess transaction history, account activity, delivery or transfer status, technical
records, fraud indicators, communications, and the supporting information provided by the user.
8.3. Where further verification is required, review may be extended for a reasonable period necessary to
complete the investigation.
8.4. The Company will aim to review properly documented refund requests within 14 calendar days after
receiving all information reasonably necessary to investigate the request.
8.5. Where a refund is approved, it will ordinarily be returned using the original payment method, unless
another method is required by law or agreed with the user.
8.6. Actual refund completion depends on the processing timelines of the relevant PSP, bank, acquirer,
issuer, or payment network.
8.7. Where mandatory law requires a refund, the Company will process it within the timeframe required
by that law once entitlement is established. Under the Consumer Rights Act 2015, refunds due under the
digital content remedy provisions must be made without undue delay and within 14 days beginning with
the day on which the trader agrees that the consumer is entitled to the refund.
9. Chargebacks and External Payment Disputes
9.1. A chargeback is a payment reversal or dispute initiated through a bank, card issuer, PSP, or other
payment provider rather than directly through the Company.
9.2. Before initiating a chargeback, users are strongly encouraged to contact the Company first and allow
a reasonable period for investigation so that the issue may be reviewed directly and, where appropriate,
resolved more efficiently. This does not prejudice any rights the user may have under applicable law or
payment-provider rules.
9.3. If a chargeback or other external payment dispute is initiated, the Company may provide relevant
records and evidence to the relevant PSP, bank, issuer, acquirer, card scheme, regulator, dispute body, or
law enforcement authority where lawful and reasonably necessary.
9.4. Such evidence may include:
(a) transaction records;
(b) delivery, transfer, or withdrawal records;
(c) account history;
(d) communications with the user;
(e) identity or payment verification materials;
(f) device, IP, login, or technical records;
(g) fraud-screening results; and
(h) evidence that the item or relevant digital benefit was delivered, transferred, listed, withdrawn, or
otherwise made available.
9.5. While a disputed payment remains unresolved, the Company may, to the extent reasonably necessary
and permitted by law:
(a) suspend or restrict the relevant account;
(b) freeze related activity;
(c) cancel or block pending transactions connected with the disputed payment;
(d) limit listings, transfers, or withdrawals connected with the dispute; and
(e) contest the chargeback where the Company reasonably believes it to be unfounded.
9.6. Repeated unjustified chargebacks, knowingly false payment disputes, or attempts to retain both
disputed funds and delivered digital items may be treated as misuse of the Service and a material breach
of the Terms and Conditions.
9.7. Where a chargeback is upheld as valid, the Company will comply with the applicable payment
outcome and any resulting corrective steps, subject to applicable law and operational feasibility.
10. Fraud Prevention Measures
10.1. The Company maintains controls designed to protect users, payment systems, and the integrity of
the Service.
10.2. Such measures may include:
(a) transaction monitoring;
(b) identity or payment ownership verification;
(c) enhanced review of unusual activity;
(d) temporary restriction of accounts during investigation;
(e) rejection of abusive or suspicious refund claims; and
(f) cooperation with PSPs, banks, regulators, and law enforcement authorities where appropriate.
10.3. These measures are intended to prevent fraud, unauthorized use, payment abuse, and other improper
conduct affecting the marketplace environment.
11. No Responsibility for Certain Third-Party Matters
11.1. To the fullest extent permitted by law, the Company is not responsible for delays, failures,
restrictions, or losses arising solely from third-party systems or actors outside its reasonable control,
including:
(a) Steam or other external platforms;
(b) banks, PSPs, acquirers, or card issuers;
(c) technical intermediaries or service providers not controlled by the Company;
(d) external outages or cyber incidents not caused by the Company; or
(e) market fluctuations affecting the value of digital items.
11.2. Nothing in this Policy excludes liability that cannot lawfully be excluded.
12. Cooperation in Payment Disputes
12.1. The Company may cooperate with PSPs, banks, card schemes, dispute bodies, and other relevant
counterparties where reasonably necessary to respond to chargebacks, payment disputes, or suspected
fraudulent transactions.
12.2. Where personal data is shared for these purposes, the Company will do so in accordance with
applicable data-protection requirements.
13. Changes to this Policy
13.1. The Company may amend this Policy from time to time to reflect:
(a) changes in law or regulation;
(b) changes in PSP, bank, or card-scheme requirements;
(c) operational, technical, or marketplace developments; or
(d) fraud-prevention or compliance needs.
13.2. The current version of the Policy will be published on the Website together with its effective date.
13.3. Continued use of the Service after an updated Policy takes effect constitutes acceptance of the
revised Policy, to the extent permitted by applicable law.
14. Interpretation
14.1. This Policy must be interpreted consistently with applicable mandatory consumer-protection law.
14.2. If any provision of this Policy is found to be unlawful, invalid, or unenforceable, that will not affect
the remaining provisions, which will continue in effect to the fullest extent permitted by law.
15. Governing Law
15.1. This Policy shall be governed by the laws of England and Wales, except to the extent that mandatory
consumer-protection rules of another applicable jurisdiction override that position.
15.2. Nothing in this Policy prevents a user from pursuing any remedy or complaint route that is
mandatorily available under applicable law.
16. Contact Details
If you have questions about this Policy or wish to submit a refund or billing complaint, you may contact:
Registered Address: 50 Princes Street, Ipswich, United Kingdom, IP1 1RJ
Registration Number: 16883234
Website: https://skin4beast.com
Email: info@skin4beast.com