SmartVest Technologies Inc.
Product Chargeback & Recovery Disclosure
Version 1.0 · Effective August 24, 2026
How a future locked product rule could govern evidence-based recovery. Recovery is currently disabled.
1. What a Product Chargeback is
A Product Chargeback is an underlying provider or product reversal, cancellation, clawback, lapse, rescission, refund, or similar event. It is not a Stripe card dispute or SmartVest subscription refund.
2. Rule shown before acceptance
Recovery applies only when an active approved product rule was identified, displayed, and affirmatively accepted. The immutable snapshot states whether recovery is NONE, FULL_UNTIL_EXPIRY, or TIERED; the start event; window; components; evidence; challenge period; and expiry.
3. FULL_UNTIL_EXPIRY in plain language
Under FULL_UNTIL_EXPIRY, a qualifying Product Chargeback before the locked expiry may recover 100% of the chargeback-eligible Conversion Reward—even shortly before expiry. After expiry, that rule creates no recovery. For example only, a product with a disclosed 24-month full period could permit full applicable recovery one day before expiry; this does not mean every product uses 24 months. FULL_UNTIL_EXPIRY is not proportional vesting.
4. Other approved methods
A product may instead use NONE, a versioned TIERED method, or another specifically approved versioned method. The accepted product snapshot controls and cannot be invented or changed after cancellation.
5. Evidence and challenge
A business/professional reports a limited non-sensitive evidence summary and references. SmartVest validates the locked rule and timing, opens the stated challenge window, allows the referrer to respond, and records an authorized decision. A report alone does not establish recovery.
6. Recovery methods
Confirmed recovery is recorded in an immutable private ledger. It may offset future otherwise-eligible paid rewards oldest-first or be repaid voluntarily. SmartVest does not automatically debit a referrer’s bank account or card. Pending or disputed amounts are not presented as final.
7. Standing and records
Confirmed unresolved recovery may restrict paid-program eligibility. Public standing is limited and relationship-based; exact balances and evidence remain private to the affected participant and authorized reviewers. History is preserved after clearing.
8. Current status and contact
Product Chargeback Recovery is currently disabled. No balance or liability is created by this disclosure. Contact: support@smartvest.ca; privacy@smartvest.ca.