a.With respect to a Disputed Charge, unless otherwise indicated by us:
i.we have Chargeback rights, prior to contacting you, if we determine we have sufficient information to substantiate the Cardmember's claim and resolve the Disputed Charge in their favour; or
ii.we will contact you prior to exercising our Chargeback rights giving you the opportunity to provide a written response to the dispute.
b.The paragraph above does not apply to Charges subject to the Fraud Full Recourse Programme.
c.We will provide twenty (20) days after the date we contact you or the Chargeback to provide to us a written response containing the information we request, including the full Card account number, or in the case of Chargeback, seeking a Chargeback reversal. We have Chargeback rights (or our previous decision to exercise our Chargeback rights will remain in effect) for the amount of the Disputed Charge if, by the end of the Response Timeframe, you have not either provided the Cardmember with a full refund or provided us with the information requested.
d.If we determine, based upon the information provided by you and the Cardmember, to resolve the Disputed Charge in the Cardmember's favour, or the Cardmember is entitled to withhold payment by law, we will have Chargeback rights for that Disputed Charge, or our previous exercise of our Chargeback rights will remain in effect. If we resolve the Disputed Charge in your favour, we will take no further action (if we have not previously exercised our Chargeback rights) or we will reverse our previous exercise of our Chargeback rights.
e.The foregoing does not affect procedures under any special Chargeback programmes (such as Fraud Full Recourse Programme) that apply to you and under which you do not receive inquiries or notices regarding certain types of Charges prior to our final exercise of our Chargeback rights.
f.If we exercise our Chargeback rights with respect to a Disputed Charge that would have been avoided had our Card acceptance procedures been followed (an Avoidable Chargeback), we may charge you a fee which we will notify to you. We will provide you with a list of Avoidable Chargebacks upon request.
g.In the event of a Chargeback, we will not refund the Discount or any other fees or assessments, or we will otherwise recoup such amounts from you, unless stated otherwise to you by us.
a.If a Disputed Charge relates to a Card issued in the EEA and involves a claim that the Cardmember was not advised of the full exact amount of the Charge at the time the Cardmember consented to the Transaction, we reserve the right to reduce the response period to five (5) days from the date on which we contacted you requesting a written response.
a.In all countries in which we operate the Fraud Full Recourse Programme (see Chapter 4, "Country Specific Policies"), we may put you onto a Fraud Full Recourse Programme for all Charges, if:
i.you engage or participate in fraudulent, deceptive, or unfair business practices, illegal activities, or permit (or fail to take reasonable steps to prevent) prohibited uses of the Card; or
ii.an Establishment experiences a disproportionately high number or amount of Disputed Charges or fraud relative to your prior history or industry standards; or
iii.you are in an industry we consider high risk.
b.In countries where Fraud Full Recourse applies (see Chapter 4, "Country Specific Policies"), we may place you in a Fraud Full Recourse Programme under which:
i.we may exercise our Chargeback rights without contacting you where a Cardmember disputes a Charge for actual or alleged fraud; and
ii.you will have no right to request a reversal of our decision to exercise our Chargeback rights.
c.We will have these rights even if we had notice of such defect at the time of payment, you have received an Authorisation and have complied with all other provisions of the Agreement.
d.We may place you in this programme upon signing, or at any time during the term of the Agreement upon notice to you.
e.For the avoidance of doubt, if you have been placed on the Fraud Full Recourse Programme, the programme will apply to all fraud related Cardmember disputes, including disputed Transactions that precede the application date of the programme to you by up to one (1) year.