Chargeback & Payment Integrity Policy

If anything is wrong with your order — you can't access the content, you were double-charged, you didn't recognize a charge — contact us first at support@sapienbase.com. In almost every case we can resolve the issue within one business day. Our full Refund Policy also applies.

A chargeback filed with your card issuer or bank is considered fraudulent or unwarranted when, without contacting our support first, you dispute a charge that was:

• authorized by you (including one-click upsells you accepted);
• for digital content you accessed or downloaded;
• for a subscription that you did not cancel before renewal;
• on a payment method used by you or someone you allowed to use it.

• Immediate account termination and loss of access to all purchased content and subscription benefits.
• Recovery of chargeback fees and administrative costs as permitted by law.
• Reporting to fraud databases and payment networks; you may be blocked from future purchases across all Stripe merchants.
• Referral to collections and, where applicable, to law enforcement.

We submit clear, timestamped evidence to Stripe and card networks, including: the IP and device used at checkout, email/consent record, product accessed, delivery logs, upsell confirmation click, subscription-cancellation timeline and full Terms acceptance record.

• All payments are processed by Stripe, PCI-DSS Level 1 certified.
• Stripe Radar screens for fraud, high-risk cards and stolen instruments.
• Sanctions and embargo screening is performed against EU, OFAC, UK and UN lists.
• We do not accept anonymous or non-attributable payment methods for high-risk regions.
• Suspicious activity may trigger identity or address verification prior to release of digital delivery.

If you believe your card was used on Sapienbase without your consent, email us immediately at fraud@sapienbase.com with the order details. We work with card issuers to investigate and refund confirmed unauthorized charges.