 Chargeback/Returned Check Policy for
Bureau of Prescription Health, Inc
and FreeMedicine.com
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Chargebacks
We do not tolerate credit card fraud. No expense will be spared and all fraud without exception will be prosecuted to the full extent of the law. In addition, we will pursue civil legal action seeking any loss of income related to the fraud, including business, legal fees, research costs, employee down time and loss of revenues.
We also consider credit card charge backs to be fraud if you made no reasonable effort to notify us that a problem existed and allow us considerable time to resolve or clarify the or matter.
All frivolous charge backs not only costs our employees time away from our usual and customary matters of conducting normal business, but costs us money, therefore:
YOU AGREE that if you choose to do business with Bureau of Prescription Health, Inc and/or FreeMedicine.com and file a dispute/claim or charge back with your credit card company for a situation that contradicts our terms & conditions which you agree to when placing your order
OR have not allotted us sufficient time to acknowledge, confirm, and research the situation; and as of any result, you do not win the charge back argument or dispute/claim you agree to pay us $150.00 for our time responding to the matter. You authorize us to charge this amount to your credit card. If this charge is rejected, we will peruse legal action to recover losses for our time associated with responding to the charge back and or dispute/claim in addition to any other fees explained below.
In the event that you win the charge back with your credit card company, we will attempt to recover fraudulently disputed charges plus additional costs via a third-party collection agency and your account will be reported to all credit bureaus as a delinquent collection account. This may severely damage your credit rating for at least the next seven (7) years.
Checks and Returned Checks
By choosing to use a bank account as your payment method, you will be able to complete your purchase using any valid automated clearing house ("ACH") enabled bank account at a United States-based financial institution. Whenever you choose to pay for an order using your bank account, you are authorizing Bureau of Prescription Health, Inc to debit your bank account for the total amount of your purchase. Your transaction must be payable in U.S. dollars. Bureau of Prescription Health, Inc, in its sole discretion, may refuse this payment option service to anyone or any user without notice for any reason at any time.
By choosing your bank account as your payment method, you agree that: (a) you have read, understand and agree to these Terms and Conditions, and that this agreement constitutes a "writing signed by you" under any applicable law or regulation, (b) you consent to the electronic delivery of the disclosures contained in these Terms and Conditions, (c) you authorize Bureau of Prescription Health, Inc (or its agent) to make any inquiries we consider necessary to validate any dispute involving your payment, which may include ordering a credit report and performing other credit checks or verifying the information you provide against third party databases, and (d) you authorize us to initiate one or more ACH debit entries (withdrawals) or the creation of an equivalent bank draft for the specified amount(s) from your bank account, and you authorize the financial institution that holds your bank account to deduct such payments.
If any of your payments are returned unpaid, you authorize Bureau of Prescription Health, Inc (or its agent) to make a one-time electronic fund transfer from your account to collect a return fee. The return fee is $25.00. The return fee may be added to your payment amount and debited from your bank account if we resubmit an ACH debit due to insufficient funds. We may initiate a collection process or legal action to collect any money owed to us. You agree to pay all our costs for such action, including any reasonable attorneys' fees.
Knowingly submitting a bad or fradulant check is a crime in the state of Missouri (where our corporate offices are located), even if it is an electronic check or ACH. If you do this, you will be prosecuted persuant to Mo. Rev. Stat. § 570.120
Policy Updated
8/6/2011
