Clear guidelines for a trusted events marketplace

7. Purchases, payment processing, refunds, chargebacks, and reversals

This Section governs your payment for paid transactions offered through the Services (including, where available, event tickets, paid bookings, table fees, and similar charges). All such payments are processed for Nexo Labs LLC (as operator of the Lovix service) using an integrated payment processor, currently including Stripe, Inc. and its payment partners. The Event Organizer sets the event offer; Nexo Labs LLC, through the Platform, may collect payment, remit or allocate proceeds, and may initiate, coordinate, or record refunds, partial refunds, and reversals in accordance with this Section, the product rules, the Event Organizer’s own rules where we display or enforce them, and applicable mandatory law. This Section 7 is to be read together with Section 6 (fees and commissions) and with Section 9 (physical venue access and intermediary status).

• Authorization. By completing a payment in the app or on the site, you authorize us and our payment processor to charge the selected payment method for the amount shown at checkout, plus any applicable taxes, and to use your payment and transaction data as described in the Privacy Policy and the processor’s terms.
• No advice of tax or regulatory treatment. Stated prices and fees are not tax advice. You are responsible for your own tax reporting and for determining whether a transaction is a taxable supply in your situation.
• Refunds and credits processed by the Platform. Where a refund, full or partial, is required or selected under the Services’ business rules (for example, cancellation or rejection of a booking, administrative correction, or a refund workflow we make available in the product), we will, where technically and commercially practicable, process the credit through the same payment path to the original payment method or, where the processor or card network requires, by another reasonable method. The time for funds to reappear in your account may depend on your card issuer, bank, weekend or holiday cutoffs, the processor’s settlement cycle, and the nature of the transaction. We do not control banking timelines; if you have not received a confirmed refund after a reasonable period, contact us at support@joinlovix.com with your booking or payment reference.
• Event changes and cancellations by the Event Organizer. If an Event Organizer cancels, reschedules, or materially alters an event, your remedies—whether a refund, credit, rebooking, or other relief—are primarily determined by the Event Organizer’s own policy and the functionality we implement for that event, subject to mandatory consumer, distance-selling, and ticket rules that may apply to you. We may, where the product provides and to the extent we are able, facilitate automated or assisted refunds, but we are not an insurer of the event taking place, except to the limited extent mandatory law imposes a non-waivable obligation on us or on the sale.
• User-requested changes. If you request a change or refund that is not automatically supported in the app, you must use the in-product tools or our support team. We may require verification and may reject requests that are abusive, untimely, or inconsistent with the Event Organizer’s published rules, fraud or abuse policy, or these Terms.
• Chargebacks and payment disputes. You agree to attempt in good faith to resolve payment issues with us or with the Event Organizer (as appropriate) before initiating a card chargeback or “buyer protection” claim, when such informal resolution is reasonable. If a chargeback or similar reversal is filed, we may provide the processor and the financial institution with information about the transaction, update booking, payout, and fee records, suspend or set off access where permitted, and recover amounts incorrectly reversed. Inappropriate, repetitive, or fraudulent chargebacks or disputes may result in account closure or other enforcement.
• Relationship to Section 6. Platform fees, promoter commissions, and net proceeds, including adjustments for refunds, partial refunds, and chargebacks, are as described in Section 6 and as reflected in our systems; nothing in this Section 7 rewrites the economic allocation except as processing and processor rules require.
• Liability. To the maximum extent permitted by law, we are not liable for banking delays, processor outages, or foreign-exchange differences that affect the timing or amount of a credit to your account; our aggregate liability for payment and refund issues remains subject to the limitations in Section 13 (Limitation of liability).
• Mandatory law. If the laws of your place of residence or the place of payment include rights that cannot be contractually limited (including certain cooling-off, disclosure, or refund rights for consumers), those provisions prevail over inconsistent language in this Section 7 in the required scope; the rest remains in full force to the maximum extent permitted.