Consumer Recovery Disclosure

SecondSwype Inc.

Merchant notes: (1) Place this disclosure where it is clear and accessible to the customer before completing checkout — for example, within your terms of service and/or linked at the payment step. (2) This recovery disclosure is for recovery of declined transactions only.

Declined Transaction Recovery

1. Declined Transaction Recovery Service

Our website and payment process integrate with SecondSwype to help complete payments that are initially declined. This service provides an alternative method of completing a failed payment so that your purchase can be processed without requiring any additional action from you.

2. How Declined Transaction Recovery Works

If your payment is declined at checkout, our system may securely pass the transaction details, including tokenized payment information, to SecondSwype for evaluation and reprocessing. This happens in the background, and you are not required to re-enter your payment details or take any further action.

If the transaction is successfully recovered, you will receive an email confirming the completed payment.
If reprocessing is unsuccessful, SecondSwype may contact you to offer alternative payment options or request updated payment details.
Payments completed through this service are processed by SecondSwype as the merchant of record and are subject to SecondSwype's End-User Terms and Privacy Policy.

3. Acknowledgment and Consent

By completing, or attempting to complete, a purchase on our website, you acknowledge and agree to the following:

The secure transfer of your transaction details, including tokenized payment information, to SecondSwype for evaluation and reprocessing of a declined payment.
That SecondSwype may contact you if a recovery attempt is unsuccessful, to offer alternative payment options or request updated payment details.
That there is no additional fee or change to the cost of your purchase as a result of this service. The total price of your order remains the same; all recovery processing fees are paid by the merchant, not by you.
That recovered payments are processed in compliance with applicable financial regulations, card-network rules, and anti-fraud measures.

4. The Charge on Your Statement

A recovered payment may appear on your statement under a descriptor associated with this purchase. If you have any questions about a charge, or wish to request a refund, you may contact us at [merchant support email/phone] or SecondSwype at support@secondswype.com.

5. Cancellations and Refunds

Refunds and questions relating to the underlying product or service are handled by us in accordance with our standard refund policy. Refunds relating to a recovered payment may be processed by us or by SecondSwype as merchant of record on the recovered transaction.

6. Liability

This recovery service is provided in cooperation with SecondSwype. Questions or disputes relating specifically to a payment processed by SecondSwype may be directed to SecondSwype at support@secondswype.com, in addition to contacting us.

7. Changes to This Disclosure

We may update this disclosure from time to time to reflect changes in our payment processes or applicable requirements. Continued use of our website and payment services constitutes acceptance of the updated disclosure.