MRNMarket Refund, Return

Effective Date: 27 February 2026

Last Updated: 27 February 2026

Issued By: MRN Global Market LLC, doing business as MRNMarket

Website: https://www.mrnmarket.com

Support: support@mrnmarket.com

Legal: legal@mrnmarket.com

1. Purpose

This Refund, Return, Exchange & Payment Recovery Policy ("Policy") establishes the rules governing refunds, returns, exchanges, replacements, cancellations, payment reversals, chargebacks, payment holds, payment reserves, payout reviews, recovery rights, and related marketplace activities conducted through MRNMarket.

This Policy is designed to:

1. protect Buyers;
2. protect Sellers;
3. protect MRNMarket;
4. promote fair marketplace transactions;
5. reduce fraud and abuse;
6. reduce payment disputes;
7. protect payment processor relationships;
8. comply with applicable laws;
9. comply with payment processor requirements;
10. establish consistent marketplace procedures;
11. allocate financial responsibility where permitted by applicable law.

This Policy forms part of the Terms & Conditions and applies together with all other MRNMarket policies.

Nothing in this Policy limits any mandatory consumer rights that cannot legally be waived.

2. Marketplace Role

MRNMarket is primarily an online technology marketplace connecting Buyers and independent Sellers.

Unless expressly identified as an MRN Official Store transaction, MRNMarket is generally not:

1. the manufacturer;
2. the importer;
3. the exporter;
4. the supplier;
5. the warehouse operator;
6. the carrier;
7. the delivery company;
8. the customs broker;
9. the Merchant of Record;
10. the owner of Seller inventory;
11. a bank;
12. a licensed money transmitter;
13. a payment processor;
14. a financial institution;
15. an escrow provider;
16. a tax adviser;
17. a legal adviser; or
18. a party to the sales contract between Buyer and Seller.

For marketplace listings, the sales contract exists directly between the Buyer and the Seller.

The Seller remains responsible for:

1. product quality;
2. product authenticity;
3. product legality;
4. warranties;
5. fulfillment;
6. shipping;
7. returns;
8. refunds;
9. regulatory compliance;
10. taxes;
11. import and export compliance;
12. and all legal obligations relating to the Product or Service.

MRNMarket may provide platform-level administration, payment review, dispute management, fraud prevention, return management, refund review, seller monitoring, and Buyer Protection services.

Providing these services does not transfer legal responsibility from the Seller to MRNMarket except where applicable law expressly requires otherwise or where MRNMarket is identified as the Seller for an MRN Official Store transaction.

3. Scope

This Policy applies to:

1. physical products;
2. digital products;
3. downloadable content;
4. software;
5. subscriptions;
6. services;
7. bookings;
8. international orders;
9. domestic orders;
10. B2B transactions;
11. B2C transactions;
12. MRN Official Store orders;
13. third-party marketplace orders;
14. payment disputes;
15. refund requests;
16. return requests;
17. exchanges;
18. replacements;
19. cancellations;
20. payment reversals;
21. chargebacks;
22. payout reviews;
23. payment holds;
24. rolling reserves;
25. seller reserves;
26. fraud investigations;
27. platform investigations;
28. and any related transaction conducted through MRNMarket.

4. Definitions

For purposes of this Policy:

Buyer means the person or business purchasing Products or Services through MRNMarket.

Seller means the individual or business offering Products or Services through MRNMarket.

Official Store means Products sold directly by MRNMarket.

Marketplace Seller means an independent third-party Seller.

Return means the physical return of a Product.

Refund means repayment of money to the Buyer.

Exchange means replacement of one Product with another.

Replacement means providing another identical Product.

Chargeback means a payment reversal initiated through a bank, card issuer, payment processor, or financial institution.

Payment Processor includes Stripe, PayPal, Payoneer, or any other payment service used by MRNMarket.

Reserve means money temporarily withheld to cover refunds, disputes, fraud, chargebacks, or other financial risks.

Pending Balance means Seller earnings that are not yet available for withdrawal.

Available Balance means Seller earnings eligible for withdrawal.

Negative Balance means amounts owed by a Seller to MRNMarket.

Offset means deduction of money from Seller balances or future payouts.

5. General Marketplace Principles

MRNMarket operates under the following principles:

1. Buyers should receive Products substantially as described.
2. Sellers should receive fair payment for completed transactions.
3. Legitimate refunds should be processed fairly.
4. Fraudulent claims should be prevented.
5. Marketplace abuse will not be tolerated.
6. Financial risks should be allocated to the responsible party where legally permitted.
7. Payment processor requirements must be respected.
8. Platform integrity shall take priority over abusive conduct.
9. MRNMarket may investigate any transaction before approving refunds, returns, payouts, or account actions.

Nothing in this Policy guarantees:

1. refund approval;
2. return approval;
3. replacement approval;
4. exchange approval;
5. dispute success;
6. chargeback success;
7. delivery success;
8. Seller performance;
9. Product quality;
10. payment processor decisions; or
11. carrier decisions.

Each request will be evaluated individually.

6. Marketplace Risk Management

To protect Buyers, Sellers, payment processors, financial institutions, and the Platform, MRNMarket may implement reasonable risk-management measures, including:

1. payment review;
2. payment holds;
3. delayed payout release;
4. rolling reserves;
5. seller reserve balances;
6. temporary account restrictions;
7. enhanced identity verification;
8. fraud investigations;
9. delivery confirmation reviews;
10. transaction monitoring;
11. sanctions screening;
12. AML/KYC verification;
13. compliance reviews;
14. payout delays;
15. dispute investigations;
16. chargeback investigations; and
17. other commercially reasonable measures.

The use of these measures does not make MRNMarket a bank, escrow provider, financial institution, or payment processor.

7. Financial Responsibility

Subject to applicable law, payment processor rules, and the applicable agreements:

Financial responsibility for refunds, returns, payment reversals, chargebacks, non-refundable payment processing fees, banking charges, currency conversion losses, shipping costs, duties, taxes, penalties, and other transaction-related costs may be allocated to the party whose actions or obligations gave rise to the loss.

Where permitted by law and contract, MRNMarket may:

1. recover losses from responsible Sellers;
2. deduct amounts from pending balances;
3. deduct amounts from available balances;
4. deduct amounts from reserve balances;
5. offset future payouts;
6. invoice Sellers;
7. recover chargeback costs;
8. recover payment processor costs;
9. recover banking costs;
10. recover fraud-related losses; and
11. exercise any other contractual or legal recovery rights.

Nothing in this Policy obligates MRNMarket to absorb financial losses arising from Seller conduct where recovery is permitted by applicable law, contractual agreements, or payment processor requirements.

8. Relationship With Payment Processors

MRNMarket may use one or more independent Payment Processors to facilitate payment collection, refunds, chargebacks, settlements, and related payment services.

Payment Processors operate under their own agreements, operating rules, fee schedules, processing timelines, refund procedures, chargeback rules, and compliance requirements.

MRNMarket does not control the decisions of any Payment Processor, including but not limited to:

1. payment approvals;
2. payment declines;
3. refund processing;
4. chargeback decisions;
5. reserve requirements;
6. account restrictions;
7. processing fees;
8. settlement timing;
9. payout timing; or
10. account suspensions.

Where a Payment Processor does not refund processing fees or imposes additional fees relating to refunds, disputes, chargebacks, reversals, or other payment events, MRNMarket may allocate or recover such costs from the responsible party where permitted by applicable law, the Seller Agreement, and the Payment Processor's terms.

This is Part 1. It creates a much stronger legal and financial foundation for MRN Market than the current version while remaining balanced and avoiding promises that may not be enforceable. In the next part, we'll cover refund eligibility, return procedures, exchanges, cancellations, shipping responsibility, and detailed buyer and seller obligations.

9. Refund Eligibility

A Buyer may request a refund through MRNMarket where permitted by this Policy, the applicable Seller Agreement, the Buyer Protection Policy, applicable law, and Payment Processor requirements.

Submission of a refund request does not guarantee approval.

Refund requests shall be reviewed based on the available evidence, transaction history, Product condition, Seller response, Payment Processor requirements, and applicable law.

Refund eligibility may include, but is not limited to, the following circumstances:

1. the Seller fails to ship the Order within the stated handling period;
2. the Product is not delivered;
3. the Product is materially different from the Listing;
4. the wrong Product is delivered;
5. the Product arrives damaged;
6. the Product is defective;
7. the Product is counterfeit where authenticity was represented;
8. major components are missing;
9. the Seller approves a refund;
10. the Buyer Protection Policy applies;
11. MRN Official Store obligations require a refund;
12. applicable law requires a refund;
13. another circumstance qualifies under MRNMarket policies.

MRNMarket reserves the right to deny, reduce, delay, condition, suspend, or reverse any refund request where permitted by applicable law.

10. Refund Ineligibility

Refunds may be denied where permitted by law, including where:

1. the Buyer files the request outside the permitted review period;
2. insufficient evidence is provided;
3. the Product substantially matches the Listing;
4. the issue is cosmetic and does not materially affect functionality;
5. the Buyer changes their mind and the applicable return policy does not permit such returns;
6. the Product has been used beyond reasonable inspection;
7. the Product has been intentionally damaged by the Buyer;
8. the Product has been altered, repaired, modified, or tampered with after delivery;
9. required accessories, manuals, labels, certificates, licenses, activation codes, or packaging are missing;
10. the Buyer refuses to return the Product where required;
11. delivery failed due to an incorrect address supplied by the Buyer;
12. the Buyer refused delivery without an approved reason;
13. customs restrictions prevented delivery due to Buyer actions;
14. fraud, abuse, or bad faith is reasonably suspected;
15. duplicate refund requests have been submitted;
16. a chargeback has already been initiated for the same transaction;
17. the transaction occurred outside MRNMarket; or
18. another exclusion applies under applicable policies or law.

11. Non-Returnable Products and Services

Certain Products or Services may not be eligible for return except where required by applicable law.

These may include:

1. digital downloads after access or download;
2. software license keys after activation;
3. gift cards;
4. prepaid credits;
5. subscriptions already consumed;
6. customized or personalized Products;
7. made-to-order Products;
8. perishable goods;
9. flowers;
10. food;
11. medicines;
12. hygiene products after opening;
13. intimate products after opening;
14. hazardous materials;
15. regulated Products;
16. event tickets after the event date;
17. travel bookings subject to separate cancellation terms;
18. completed services;
19. installation services already performed;
20. clearance items identified as final sale;
21. Products specifically identified as non-returnable in the Listing.

Nothing in this section limits mandatory consumer rights.

12. Buyer Refund Request Procedure

To request a refund, the Buyer shall submit a request through the MRNMarket Platform within the applicable review period.

The Buyer may be required to provide:

1. Order number;
2. Product information;
3. detailed explanation;
4. photographs;
5. videos;
6. packaging photographs;
7. shipping label photographs;
8. delivery confirmation;
9. tracking information;
10. communication records;
11. proof of payment where applicable;
12. inspection reports where applicable;
13. and any additional information reasonably requested.

Failure to provide requested information may result in delayed review or denial.

Submitting false information constitutes a violation of MRNMarket policies.

13. Return Request Procedure

Where return of the Product is required, the Buyer shall wait for return authorization before shipping the Product.

Return instructions may include:

1. return authorization number;
2. approved return address;
3. approved shipping method;
4. tracking requirements;
5. packaging requirements;
6. customs documentation;
7. insurance requirements;
8. return deadline;
9. inspection requirements.

Unauthorized returns may be refused.

MRNMarket and the Seller are not responsible for Products returned without authorization where permitted by law.

14. Return Condition Requirements

Returned Products should:

1. be substantially in the condition required by the applicable policy;
2. include original accessories where applicable;
3. include manuals where applicable;
4. include warranty cards where applicable;
5. include original packaging where reasonably available;
6. include serial numbers and labels where applicable;
7. not be intentionally damaged;
8. not be substituted with another Product;
9. not be materially altered;
10. be securely packaged for shipment;
11. comply with applicable return instructions.

Failure to satisfy these requirements may result in:

1. reduced refund;
2. partial refund;
3. return rejection;
4. additional inspection;
5. dispute review;
6. or other action permitted by law.

15. Return Shipping Responsibility

Responsibility for return shipping depends on the reason for the return, applicable law, Seller policy, Buyer Protection Policy, and Platform decision.

Examples include:

Seller Responsibility

The Seller may be responsible where:

1. the wrong Product was shipped;
2. the Product was defective;
3. the Product was damaged before delivery;
4. the Product materially differed from the Listing;
5. the Seller approved the return;
6. applicable law requires Seller responsibility.

Buyer Responsibility

The Buyer may be responsible where:

1. the Buyer changed their mind;
2. the Buyer ordered the wrong Product;
3. the Product is no longer wanted;
4. the Seller's disclosed policy places return shipping on the Buyer and applicable law permits this.

MRNMarket may determine shipping responsibility after reviewing available evidence.

16. Return Inspection

Returned Products may be inspected by:

1. the Seller;
2. MRN Official Store;
3. an authorized inspection provider;
4. or another designated party.

Inspection may include review of:

1. Product condition;
2. serial numbers;
3. authenticity;
4. functionality;
5. completeness;
6. accessories;
7. packaging;
8. signs of misuse;
9. shipping damage;
10. tampering;
11. replacement attempts;
12. counterfeit indicators.

MRNMarket may require photographs, inspection reports, or additional documentation.

17. Refund Amounts

Approved refunds may be:

1. full refunds;
2. partial refunds;
3. replacement credits;
4. exchange credits;
5. store credits where agreed by the Buyer;
6. promotional adjustments;
7. shipping refunds;
8. tax adjustments.

Refund calculations may consider:

1. Product price;
2. shipping charges;
3. promotional discounts;
4. coupons;
5. reward credits;
6. taxes;
7. customs duties;
8. restocking fees where legally permitted;
9. return condition;
10. missing components;
11. payment processor rules;
12. banking fees where applicable;
13. currency conversion differences where applicable.

Approved refunds shall not normally exceed the amount paid by the Buyer unless required by applicable law.

18. Refund Processing

Approved refunds may be processed through the original payment method whenever reasonably possible.

Refund timing depends upon:

1. Seller response;
2. Product return;
3. inspection completion;
4. Payment Processor processing;
5. banking systems;
6. card network rules;
7. fraud review;
8. compliance review;
9. sanctions screening;
10. chargeback status;
11. applicable law.

MRNMarket cannot guarantee when funds will appear in the Buyer's account because processing is controlled in part by independent financial institutions and Payment Processors.

19. Exchanges and Replacements

Where permitted, a Buyer may receive:

1. replacement Product;
2. exchange Product;
3. repaired Product;
4. store credit;
5. partial refund;
6. full refund.

Availability depends upon:

1. inventory;
2. Seller approval;
3. Product availability;
4. inspection results;
5. applicable law;
6. Platform review.

MRNMarket does not guarantee replacement availability.

20. Order Cancellations

Orders may be cancelled before shipment or before Seller acceptance where permitted by the applicable Listing, Seller policy, Platform policy, Payment Processor rules, and applicable law.

Cancellation requests may be denied where:

1. shipment has already occurred;
2. customized Products have entered production;
3. digital Products have been delivered;
4. services have commenced;
5. fraud is reasonably suspected;
6. Payment Processor restrictions prevent cancellation.

Where a cancellation is approved, any refund shall be processed according to this Policy, applicable Payment Processor requirements, and applicable law.

21. Payment Review, Holds, and Delayed Release

To protect Buyers, Sellers, Payment Processors, and the integrity of the Platform, MRNMarket may review, delay, restrict, hold, suspend, or release payments, settlements, refunds, credits, reserves, or payouts where reasonably necessary.

Payment review may be applied before, during, or after an Order.

MRNMarket may place funds on hold for reasons including, but not limited to:

1. pending delivery confirmation;
2. pending return or refund requests;
3. fraud prevention;
4. chargeback risk;
5. payment disputes;
6. unusual transaction activity;
7. suspicious account activity;
8. Seller performance concerns;
9. Buyer conduct concerns;
10. high-risk Products or Services;
11. identity verification;
12. AML/KYC compliance;
13. sanctions screening;
14. legal or regulatory requirements;
15. Payment Processor requirements;
16. banking requirements;
17. court orders;
18. governmental requests; or
19. other commercially reasonable risk-management purposes.

Payment Holds do not create a fiduciary, banking, escrow, custodial, or trust relationship between MRNMarket and any User.

22. Seller Pending Balance

All completed sales may initially be credited to the Seller's Pending Balance.

Amounts held in the Pending Balance:

1. are not immediately available for withdrawal;
2. may be adjusted;
3. may be reduced;
4. may be offset;
5. may be reversed;
6. may be placed into reserve;
7. may be withheld due to disputes;
8. may be withheld due to compliance reviews.

Funds remain Pending until MRNMarket determines they are eligible for release.

Pending Balances remain the property of the Seller subject to applicable contractual deductions, payment processor requirements, and lawful recovery rights.

23. Seller Available Balance

Once MRNMarket determines that applicable review periods, delivery confirmation requirements, return windows, fraud reviews, compliance reviews, and other applicable requirements have been satisfied, eligible amounts may be transferred from the Seller's Pending Balance to the Seller's Available Balance.

Only Available Balance may be eligible for withdrawal.

MRNMarket may delay or refuse release where additional review is reasonably required.

24. Rolling Reserve

To reduce marketplace risk, MRNMarket may establish one or more Rolling Reserve programs.

A Rolling Reserve may temporarily retain a percentage of Seller earnings to cover:

1. refunds;
2. returns;
3. chargebacks;
4. payment reversals;
5. payment processor fees;
6. banking fees;
7. fraud losses;
8. shipping claims;
9. warranty claims;
10. legal claims;
11. regulatory risks;
12. compliance obligations;
13. Seller performance issues.

Reserve percentages may vary depending upon:

1. Seller history;
2. Product category;
3. transaction value;
4. dispute history;
5. fraud risk;
6. country;
7. payment method;
8. Payment Processor requirements;
9. regulatory requirements;
10. or other commercially reasonable factors.

Reserve funds may be released after MRNMarket determines the applicable risk period has expired.

25. Seller Reserve Account

MRNMarket may maintain one or more Seller Reserve Accounts.

Reserve funds may be used to satisfy:

1. refunds;
2. chargebacks;
3. payment reversals;
4. Stripe or other Payment Processor fees;
5. banking charges;
6. dispute costs;
7. arbitration costs where applicable;
8. fraud losses;
9. shipping losses;
10. customs costs;
11. regulatory penalties arising from Seller conduct;
12. other financial obligations permitted by applicable law and the Seller Agreement.

Reserve balances are not guaranteed to earn interest unless required by applicable law.

26. Refunds, Payment Processor Fees, and Financial Responsibility

Approved Buyers shall generally receive the approved refund amount according to this Policy, applicable law, and Payment Processor requirements.

Payment Processors, including Stripe, PayPal, Payoneer, card networks, banks, and other financial institutions, may retain transaction fees, processing fees, dispute fees, currency conversion charges, or other amounts according to their own agreements.

Where permitted by applicable law, the Seller Agreement, and Payment Processor requirements:

1. MRNMarket may recover non-refundable payment processing fees from the responsible Seller;
2. MRNMarket may deduct such amounts from Pending Balance, Available Balance, Reserve Balance, or future payouts;
3. MRNMarket is not obligated to absorb payment processor costs arising from Seller-caused refunds, returns, chargebacks, fraud, or policy violations.

Where the refund results solely from MRNMarket's own operational error or legal responsibility, MRNMarket may elect to absorb such costs.

Nothing in this section limits mandatory consumer protection rights.

27. Chargebacks and Payment Reversals

If a Buyer files a chargeback or payment reversal through a Payment Processor, bank, card issuer, or financial institution:

MRNMarket may:

1. suspend related refunds;
2. suspend payouts;
3. request additional evidence;
4. defend the chargeback;
5. cooperate with Payment Processors;
6. recover associated losses;
7. place Seller funds on hold;
8. increase reserve requirements;
9. temporarily suspend Seller accounts.

The Seller agrees to cooperate fully in defending chargebacks.

Failure to cooperate may affect Seller account status.

Chargeback fees imposed by Payment Processors may be recovered from the responsible Seller where permitted by law and contract.

28. Negative Seller Balance

If the Seller owes money to MRNMarket for any reason, including:

1. refunds;
2. chargebacks;
3. payment reversals;
4. payment processor fees;
5. fraud losses;
6. banking fees;
7. shipping claims;
8. warranty obligations;
9. legal claims;
10. regulatory penalties;
11. policy violations;

the Seller's account may show a Negative Balance.

A Negative Balance remains payable until satisfied.

MRNMarket may suspend withdrawals while a Negative Balance exists.

29. Offset and Recovery Rights

To the maximum extent permitted by applicable law, the Seller authorizes MRNMarket to recover amounts owed by offsetting any debt against:

1. Pending Balance;
2. Available Balance;
3. Reserve Balance;
4. future earnings;
5. future payouts;
6. promotional credits;
7. incentives;
8. commissions;
9. rebates;
10. or other amounts payable to the Seller.

If available balances are insufficient, MRNMarket may invoice the Seller or pursue other lawful recovery methods.

Exercise of one recovery right does not waive any other legal or contractual remedy.

30. Payouts

Seller payouts are subject to:

1. successful payment settlement;
2. completion of applicable review periods;
3. fraud review;
4. return periods;
5. refund review;
6. dispute review;
7. chargeback review;
8. Payment Processor requirements;
9. banking requirements;
10. legal compliance;
11. Seller verification;
12. Platform risk assessment.

MRNMarket may establish minimum payout thresholds, payout schedules, withdrawal limits, verification requirements, and payout delays.

Approval of a payout does not prevent MRNMarket from later recovering amounts lawfully owed by the Seller under this Policy, the Seller Agreement, applicable law, or Payment Processor requirements.

31. Fraud Prevention and Marketplace Protection

MRNMarket is committed to maintaining a secure, trustworthy, and fair marketplace. To protect Buyers, Sellers, Payment Processors, and the Platform, MRNMarket may implement fraud detection, transaction monitoring, identity verification, and other commercially reasonable risk-management measures.

MRNMarket may investigate any transaction where fraud, abuse, unauthorized activity, money laundering, sanctions violations, identity theft, account compromise, or other suspicious conduct is reasonably suspected.

During an investigation, MRNMarket may, where permitted by applicable law:

1. temporarily suspend Orders;
2. delay refunds;
3. delay payouts;
4. place funds on hold;
5. increase Seller reserves;
6. request additional documentation;
7. suspend Listings;
8. restrict account functionality;
9. suspend or terminate Accounts; or
10. take other reasonable actions necessary to protect the Platform and its Users.

MRNMarket may cooperate with Payment Processors, financial institutions, law enforcement agencies, regulatory authorities, customs authorities, and other authorized parties where required or permitted by applicable law.

32. Buyer Misuse of Refunds and Returns

Buyers shall not misuse or abuse the refund, return, exchange, cancellation, Buyer Protection, or dispute processes.

Prohibited conduct includes, but is not limited to:

1. knowingly submitting false refund claims;
2. falsely claiming non-delivery;
3. returning a different Product;
4. returning counterfeit Products;
5. returning damaged Products not related to the reported issue;
6. intentionally damaging Products;
7. using Products beyond reasonable inspection before requesting a return;
8. repeatedly filing abusive refund requests;
9. filing duplicate refund requests;
10. submitting altered or fabricated evidence;
11. abusing chargeback procedures;
12. threatening Sellers or MRNMarket personnel to obtain refunds; or
13. engaging in any other fraudulent or bad-faith conduct.

MRNMarket may deny requests, suspend Accounts, recover losses, or take other enforcement actions where permitted by applicable law.

33. Seller Misconduct

Sellers shall not engage in fraudulent, deceptive, misleading, unlawful, or abusive conduct.

Examples include:

1. shipping counterfeit Products;
2. intentionally shipping incorrect Products;
3. falsely marking Orders as shipped;
4. providing false tracking information;
5. refusing valid refunds;
6. refusing valid warranty obligations;
7. manipulating reviews;
8. misleading Buyers;
9. violating Product safety laws;
10. violating sanctions or export laws;
11. circumventing Platform policies; or
12. otherwise acting in bad faith.

MRNMarket may take enforcement actions including:

1. Listing removal;
2. payout holds;
3. increased reserves;
4. refund recovery;
5. account suspension;
6. account termination;
7. legal action where appropriate.

34. Platform Investigation and Evidence Review

MRNMarket may investigate any refund, return, exchange, dispute, chargeback, or policy violation.

Evidence considered may include:

1. Listing information;
2. photographs;
3. videos;
4. invoices;
5. purchase records;
6. tracking information;
7. delivery confirmation;
8. signatures;
9. customs records;
10. inspection reports;
11. Product serial numbers;
12. communication records;
13. Platform logs;
14. IP address information;
15. device information;
16. account history;
17. Payment Processor information;
18. banking information where available;
19. fraud indicators; and
20. any other relevant evidence.

MRNMarket may request additional information from Buyers, Sellers, carriers, Payment Processors, financial institutions, or other relevant parties.

Failure to cooperate may affect the outcome of the review.

35. International Transactions

MRNMarket supports domestic and international transactions.

International Orders may be affected by:

1. customs inspections;
2. import restrictions;
3. export controls;
4. sanctions;
5. local laws;
6. taxes;
7. customs duties;
8. currency conversion;
9. shipping restrictions;
10. governmental actions.

Delivery delays caused by customs authorities, government agencies, or regulatory actions are not automatically grounds for refund unless otherwise required by applicable law or applicable Platform policies.

36. Currency Conversion, Taxes, and Banking Charges

Refunds may involve currency conversion, foreign exchange fluctuations, taxes, customs duties, banking charges, Payment Processor fees, and other financial adjustments.

Where permitted by applicable law and contractual agreements:

1. exchange-rate differences;
2. banking fees;
3. wire transfer charges;
4. Payment Processor fees;
5. currency conversion losses; and
6. other third-party financial costs

may be allocated to the responsible party according to this Policy, the Seller Agreement, Payment Processor requirements, and applicable law.

MRNMarket does not guarantee that currency conversion rates applied during refunds will match those applied during the original purchase.

37. Platform Decisions

MRNMarket may issue Platform-Level Decisions regarding:

1. refund eligibility;
2. return eligibility;
3. exchanges;
4. replacements;
5. payout releases;
6. reserve requirements;
7. Seller performance;
8. Buyer conduct;
9. account restrictions;
10. policy enforcement;
11. fraud investigations; and
12. other marketplace matters.

Platform Decisions are administrative decisions made for operation of the Platform.

They do not constitute:

1. court judgments;
2. arbitration awards;
3. legal findings of liability; or
4. determinations of statutory rights.

MRNMarket may revise or reverse a Platform Decision where new evidence becomes available or where required by applicable law.

38. Limitation of Liability

To the maximum extent permitted by applicable law, MRNMarket shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from:

1. Seller conduct;
2. Buyer conduct;
3. carrier actions;
4. customs delays;
5. governmental actions;
6. Payment Processor decisions;
7. banking decisions;
8. currency fluctuations;
9. Product defects attributable to the Seller or manufacturer;
10. force majeure events;
11. or other third-party actions beyond MRNMarket's reasonable control.

Nothing in this Policy excludes liability that cannot legally be excluded under applicable law.

39. Amendments and Policy Updates

MRNMarket may modify, update, suspend, or replace this Policy at any time to reflect changes in:

1. applicable law;
2. regulatory requirements;
3. Payment Processor requirements;
4. marketplace operations;
5. fraud prevention practices;
6. risk management procedures;
7. technology;
8. business practices; or
9. other operational needs.

Updated versions shall be published on the Platform with a revised Effective Date or Last Updated date.

Continued use of the Platform after publication of the updated Policy constitutes acceptance of the revised Policy to the extent permitted by applicable law.

Where required by law, MRNMarket will provide additional notice or obtain consent before material changes become effective.

40. Contact Information

Questions regarding this Policy, refund requests, return requests, payment reviews, dispute resolutions, or related matters should be directed to:

MRN Global Market LLC

Doing Business As: MRNMarket

Registered Address

1001 S Main St, STE 500

Kalispell, MT 59901-1498

United States

Website

https://www.mrnmarket.com

Support Email

support@mrnmarket.com

Legal Department

legal@mrnmarket.com

41. Relationship With Other Policies

This Policy should be read together with, and forms part of, the following MRNMarket documents:

1. Terms & Conditions
2. Privacy Policy
3. Buyer Agreement
4. Seller Agreement
5. Payment & Payout Policy
6. Buyer Protection Policy
7. Shipping & Delivery Policy
8. Delivery Confirmation Policy
9. Dispute Resolution & Arbitration Policy
10. AML & KYC Compliance Policy
11. Acceptable Use Policy
12. Prohibited Products Policy
13. Platform Rules & Governance Policy
14. Cookie Policy
15. Intellectual Property Policy
16. Any other applicable MRNMarket policies.

If a conflict exists between this Policy and another controlling MRNMarket policy, the Terms & Conditions or the expressly designated controlling policy shall prevail, subject to mandatory rights under applicable law.