Refund Policy

Status: published. Prepared against the product as built. A version reviewed by counsel, when issued, replaces this one under its own changes section. Version: 2026-10-28 · Effective: 2026-10-28 · Registry slug: refund-policy Operator: Moretime.ai Inc., a Texas corporation ("we", "us", "OnTheList.Live") · Contact: hi@moretime.ai · Postal address: 5900 Balcones Drive, Suite 100, Austin, TX 78731, United States

Who this is for

This policy is written for you as a sponsor: a person or business that paid a bid for a placement on a board. A later section is for hosts, who run boards and are the merchant of record for every bid on them, and one near the end is for anyone who paid the host access fee to become a host. It states the nine refund rules this platform runs for bids, in the order the platform's own refund table numbers them. Every refund of a bid the platform issues, and every refund of a bid it records, falls under exactly one of the nine rows below. The host access fee is not a bid, and its one rule is in its own section.

The one rule: bids are final

All bids are final. A bid buys a defined service: your listing shown at its computed rank for the rest of the round. Your rank can change until the round ends, because other sponsors can bid. Being outbid is a notification, not a refund reason. You accepted this before paying, in an unticked checkbox whose text is quoted exactly as it appears on the page: I understand bids are final and my rank can change as others bid. A listing whose card is only held, on a board where the host approves each listing first, may be cancelled until the host approves it — nothing was charged; once your card is charged, the bid is final. Nothing in this document takes away a right the law gives you that cannot be waived, or your right to dispute a charge with your card issuer.

Nothing on the service is allocated by chance, and position is not a review, a score or a measure of quality. A refund under this policy corrects a placement that was not delivered, or one that a host, the platform, or your card network decided should not stand. It is never a remedy for a placement you received.

What a refund is, when one is issued

• What you paid. Your card is charged your bid plus the service fee, plus any sales tax the host collects. The service fee covers two things: our fee (a share of the bid set by the platform, at least $0.50) and the card processing — the amount, at Stripe's standard US card rate, that pays Stripe's fee for processing your card. Stripe never gives its processing fee back on a refund.
• A full refund the platform issues (rows 3, 4, 5 and 9) returns everything you paid except the card processing: your bid, our fee and any sales tax. Neither the host nor the platform keeps any of it: the host returns the bid and the tax, and the platform returns our fee.
• A pro-rated refund the platform issues (row 4) returns part of the bid and, in the same proportion, our fee and any sales tax; the card processing is not returned. The share returned is worked out against what was actually charged on that payment, never re-estimated. A partial refund a host issues is row 8 and is attributed differently, as that row explains.
• On a board whose host approves each listing first, your card is held, not charged, until the host approves it. If the host declines it, the round ends before the host has reviewed it, you cancel it from the email we send you or from your listing's page, the host or the platform releases it (a suspended board's, for one), or the hold lapses (about seven days after you checked out), the hold is released and nothing is charged — there is nothing to refund. Your bank may show a released hold as pending for a few days. Once the host approves, your card is charged and this policy applies to the payment like any other.
• A refund never returns more than the charge has left. If part of a charge has already been refunded (for example by the host, row 8), a later refund returns what remains, and never more. The platform asks Stripe what the charge still holds before it issues anything.
• Refunds go back to the original card, through Stripe. The platform never holds the money you paid for a bid and cannot pay it anywhere else. Stripe's published timing for a card refund is about five to ten business days, depending on the bank (https://docs.stripe.com/refunds); the platform's automatic refund notice (row 5) carries the same figure.
• A refund is paid from the host's Stripe balance. A bid is paid to the host's own Stripe account, so a refund of it leaves that account, under Stripe's rules for that account — a refund a balance cannot cover can stay pending with Stripe. Rows 3, 4 and 5 are instructed by the platform at once (unless a card network's inquiry about the payment is open — see "Disputes"), and the platform's notice tells you the refund was instructed, not that it has reached your card: when it does depends on the host's balance and your bank. Row 9 is instructed by the platform too, at the host's request, and the platform sends no notice of its own for it (see row 9). The platform records a refund as issued when Stripe accepts the instruction. If Stripe later reports that the refund failed — a closed or expired card, for example — the platform records it as failed and platform staff chase it with the host: Stripe then refuses any further refund of that charge, so the money has to reach you another way, from the host, who holds it (for a refund the platform issued, with our fee the platform returned). A refund Stripe reverses because the charge was disputed is different: its money never left the host's account, it does not stop a later refund, and the dispute decides what happens next (see "Disputes"). If a refund we told you about has not arrived after Stripe's timing, write to us (see "How to ask") and we chase it with the host — a host who has disconnected Stripe still owes it under the Host Terms.
• Rank and money are separate quantities. Only the bid part of a payment was ever counted towards your listing's rank; the service fee and any tax never were. When a refund removes a payment's contribution from a listing, it removes the bid part.
• The record is permanent. Every refund, dispute and adjustment is written into the platform's ledger and kept. Results of a round that has ended and been settled are never re-ranked; a later refund or dispute of a payment behind an archived result is recorded as a note against it.

The nine cases

Each case states the same five facts: the situation, whether a refund is issued, who funds it, what happens to your listing and its rank, and who acts.

1. You were outbid, or you changed your mind

• Situation: another sponsor bid past you, your rank moved during checkout, or you no longer want the placement you paid for.
• Refund: none.
• Who funds it: nobody; no money moves.
• Your listing and rank: unchanged. Your listing keeps its total and its computed rank.
• Who acts: nobody. This is the rule the finality checkbox exists for. You may raise your bid from your listing's manage page at any time before the round's cutoff.

2. Your listing was removed for your own policy violation

• Situation: your listing or its destination broke the Acceptable Use Policy or the Prohibited Content Policy, and it was taken down for that reason. Those two policies are the only rules whose breach forfeits your payment. A removal for a stricter rule of the host's own — a topic, a competitor, a tone — is not this row: it is a removal through the host's fault, row 4, and a decline in review under such a rule is row 3.
• Refund: none. The money is not returned; the placement is.
• Who funds it: nobody; no money moves.
• Your listing and rank: the listing is removed, permanently, and leaves the board with the contribution it held. A removed listing holds no rank and is not reinstated, and its destination cannot be listed again on that board for the rest of the round. If you believe the removal was wrong, write to us (see "How to ask"): a removal the platform finds to be its own or the host's fault is row 4.
• Who acts: the host's moderators or platform staff take the listing down. No money moves, and no refund notice is sent; the takedown notice tells you the placement is gone.

3. Your listing was declined in review

• Situation: a host whose board holds new listings until the host approves them (pre-approval) declined yours after your card was charged — or the round ended before the host had reviewed it, so it was never shown. A listing waiting for approval is normally not charged at all: its card is only held, and a decline or the round's end releases the hold with nothing charged (see "What a refund is"). This row applies when the payment was taken before approval — when the host took it from their own Stripe Dashboard (the whole hold — a capture of part of a hold is not applied, and the host refunds it in full; if you see one, write to us, see "How to ask"), or for a payment made before holds existed. A held listing can only be approved or declined; a breach found once a listing is on the board is a removal, row 2. Either way you paid for a placement that was never delivered.
• Refund: full, except the card processing: your bid, our fee and any sales tax.
• Who funds it: the host returns your bid and any tax (the host is the merchant of record); the platform returns our fee. If the host had already refunded part of the charge from their own Stripe Dashboard, this row returns what the charge has left except the card processing, and the platform returns whatever of our fee it still holds on that payment.
• Your listing and rank: the listing is rejected. It was never activated on the board, so no rank is affected; every payment on the listing is refunded, and each payment's contribution is taken off the listing's total. The destination cannot be listed again on that board for the rest of the round.
• Who acts: the reviewer's decision, or the platform's own round-end, triggers the refund; the platform's own process issues it, with no further person involved. You receive an email naming the amount returned to your card. If a card dispute of your payment is open when the listing is declined, that payment's refund waits for the card network and the email names no amount for it: if the network decides for the host (row 7), the platform then issues this row's refund and emails you the amount; if it decides for you (row 6), the chargeback has already returned your money.

4. Your placement was removed through the host's or the platform's fault

• Situation: a wrongful takedown, a removal after your listing was shown for a stricter rule of the host's own — a topic, a competitor, a tone (see row 2) — or a board the platform suspended in the middle of a round, so a placement you paid for stopped being delivered through no fault of yours.
• Refund: full, or pro-rated for the part of the round you did not receive — never the card processing. A full refund returns your bid, our fee and any sales tax. A pro-rated refund returns the part of the bid for the time between the takedown and the round's scheduled end, measured against the whole round and rounded up to a whole dollar, with our fee and any tax returned in the same proportion; every payment on the listing is pro-rated the same way, and the platform decides between the full and the pro-rated form when it issues the refund. On a permanent board a row-4 refund is full: there is no round length to pro-rate against. A board the platform suspended is refunded in full, everything but the card processing. If the host had already refunded part of the charge, only the full form applies and it returns what is left, except the card processing.
• Who funds it: the host returns the bid and any tax (the host is the merchant of record); the platform returns our fee.
• Your listing and rank: the listing is removed and its whole contribution leaves the board, whether the refund was full or pro-rated, because a removed listing holds no rank. It is not reinstated, and the destination cannot be listed again on that board for the rest of the round; you may bid for it in a later round.
• Who acts: the platform. When the platform suspends a board mid-round, its own process refunds every payment behind that round's listings under this row automatically and emails each sponsor the amount returned. For one listing removed in error, a person on platform staff issues the refund after you write to us (see "How to ask"). A host who unpublishes a board is a different case: the board's page stays up, no new bids are taken, every existing placement keeps rendering until the round ends on schedule, and no refund is owed.

5. Your payment completed too late, or for a destination somebody else already holds

• Situation: three circumstances, one rule. (a) Your checkout completed after the round had already ended. New bids are refused in the final minutes of a round (the cutoff: a platform setting, currently 10 minutes by default and never more than 60), but a checkout started before the cutoff can still complete after the round ends. (b) Your payment was a first bid on a destination that another sponsor had already paid for in that round before yours completed; the listing stays with its owner. (c) When your payment completed, the listing had already been decided — declined or removed — or a card hold for it (another checkout's, even your own) was already waiting for the host's approval on a board that approves listings first.
• Refund: full and automatic, except the card processing: your bid, our fee and any sales tax.
• Who funds it: the host returns the bid and any tax (the host is the merchant of record); the platform returns our fee.
• Your listing and rank: the payment is never applied to any round. In case (a) it is applied neither to the round that ended nor to the next one; in case (b) it does not change who holds the listing. No rank was ever credited.
• Who acts: nobody. No person issues this row; rows 3 and 4 for a suspended board are issued by the platform's own process too, after a person's decision. You receive an email itemising what was returned, with a link to the board's current round.

6. A card dispute is decided for the cardholder

• Situation: a cardholder disputed the charge with their bank and the card network decided against the host. Stripe debited the host's account for the disputed amount when the dispute was opened; the decision makes that final.
• Refund: none is issued by the platform, because the card network has already returned the money. There is nothing further for you to receive from the platform.
• Who funds it: the host, whose Stripe account Stripe debited. On our fee: when a dispute is lost we return what remains of our fee on that payment to the host. That is our current practice, not an obligation: it is voluntary, and we may end it for future disputes on notice.
• Your listing and rank: the payment's contribution left the listing the moment the dispute was opened, and it does not come back. The listing stays as the dispute's opening left it while its round runs; once the round has ended, the close of the last dispute on the listing lands it where the round's end would have put it — a listing never shown is declined (its other payments refunded under row 3) and a shown one is marked as ended with its round (see "Disputes" below).
• Who acts: the card network decides; Stripe moves the money; the platform records the outcome and returns our fee to the host. No email is sent for this row.

7. A card dispute is decided for the host (the card network upholds the charge)

• Situation: the card network decided the charge stands.
• Refund: none for the dispute itself. The charge is upheld: the card network returns the disputed amount to the host. But a refund a platform decision already owed on that payment while the dispute held it is issued now — a listing declined in review (row 3), or a placement a board suspension or the platform took off the board through no fault of yours (row 4; one the platform removed is refunded by a person on platform staff, whom the platform's nightly check alerts) — and you are emailed the amount. One exception: a refund the platform had already issued before the dispute, which Stripe then reversed because the charge was disputed, cannot be issued again through the platform; platform staff are alerted and ask the host to refund you from their own Stripe account.
• Who funds it: nobody, for the dispute itself; a refund issued as above is funded as its own row says (the host returns the bid and any tax, the platform our fee).
• Your listing and rank: the contribution the dispute took off the listing is restored to it (less anything the host had already refunded from their own Dashboard, which you already hold). If this dispute is what suspended the listing, the listing is reinstated to the status it had before the dispute; if a moderator removed it for another reason while the dispute was open, that decision stands. If the round has ended in the meantime, there is no board to return to: once the last dispute on the listing closes, a listing that was shown is marked as ended with its round and one never shown is declined (its payments refunded under row 3); the settled result is annotated, never re-ranked. A dispute on a payment whose placement refunds had ended before another sponsor bought the spot restores nothing and writes no note on that sponsor's result.
• Who acts: the card network decides; the platform restores the record. No email is sent for this row, except for a refund it issues as above. A listing a decision had already declined or removed was never suspended by the dispute and stays as that decision left it.

8. The host refunds you from their own Stripe Dashboard

• Situation: the host chose to give some or all of your money back, as a goodwill gesture or for a reason of their own, using their own Stripe Dashboard. The platform does not initiate this; it learns of it from Stripe and records it.
• Refund: the host's choice: any amount, and more than one partial refund on the same charge is allowed.
• Who funds it: the host. Our fee is not returned by default. A host's Dashboard refund cannot reverse our fee, so a host who refunds the whole amount charged funds our fee out of their own pocket unless the platform separately returns it. Where the platform itself has refunded from its own Stripe Dashboard, the fee reversal it made is read from Stripe and recorded as such. A host who wants our fee returned with a refund can issue it from OnTheList.Live instead, where row 9 allows it.
• Your listing and rank: the refund is attributed to our fee first, then to your bid, then to any sales tax and last to the card processing, so a small partial refund may not move your rank at all, and a larger one will. Only the bid part comes off the listing's total, and it comes off in whole dollars, rounded up — a refund that returns $4.50 of your bid takes $5 off — so the total left is never more than your remaining bid covers. The listing's status is not changed. While its total is above $0, it stays on the board at that total and its rank follows the total. Once refunds bring its total to $0 — which, because of that rounding, can happen with less than a dollar of your bid still unrefunded — it leaves the board: it is no longer shown or ranked, is not recorded as a placement when the round ends and is not carried into the next round. Its destination is open again to whoever pays for it first.
• Who acts: the host. The platform records the refund when Stripe reports it. No email is sent by the platform for this row; the host who refunded you is the one who tells you.

9. The host refunds you from OnTheList.Live

• Situation: the host chose to give your money back and issued the refund from their board's dashboard on OnTheList.Live rather than from their own Stripe Dashboard. The platform issues it through Stripe, at the host's request.
• Refund: what the charge has left, except the card processing: everything you paid less the card processing, or, if the host had already refunded part of it from their own Stripe Dashboard (row 8), everything that remains of that. This row has no partial form; a partial refund is row 8.
• Who funds it: the host returns the bid and any tax; the platform returns our fee — whatever of it the platform still holds on that payment, including any part a Dashboard refund left with the platform. Stripe does not return its own processing fee on a refund, on this row or any other; the card processing you paid covered it, and it is not returned.
• Your listing and rank: the bid the payment still holds leaves the listing's total. The listing's status is not changed. While its total is above $0, it stays on the board at that total and its rank follows the total. Once refunds bring its total to $0, it leaves the board as under row 8, and its destination is open again to whoever pays for it first.
• Who acts: the host. Only the holder of the host account's Owner role can issue this refund. It is not available for a payment the platform has already refunded under row 3 or 4 or an earlier row 9, or one whose listing was removed for your own violation (row 2), and it is refused while a dispute of the payment is open: that money is the card network's to decide. If the host's own Dashboard refunds had already returned more than your bid, this row is refused too, and the host refunds what is left from their Dashboard (row 8). The platform's own process issues the refund and records it. No email is sent by the platform for this row: the refund receipt Stripe sends, where the host's Stripe account sends one, is the notice, and the host who refunded you is the one who tells you.

The nine cases, summarised

Disputes (chargebacks)

A dispute is a request to your card issuer to reverse a charge. It is decided by the card network, not by the host and not by the platform. What the platform does when it learns of one:

• The disputed payment is deducted at once. When the dispute is opened, that payment's bid contribution leaves the listing's total, before anything is decided. Stripe debits the disputed amount from the host's account at the same moment.
• The listing may be suspended. A listing a decision already took off the board — declined or removed — is never suspended by a dispute; it stays as that decision left it. Otherwise, because only a listing's owner can pay into it, a dispute on your own payment suspends your listing. A dispute the card network codes as fraud, or one that leaves the listing's remaining total below the board's minimum bid, suspends it too. If refunds had already brought the listing to $0 and another sponsor has since bought that spot, a dispute on the earlier payment never suspends that sponsor's placement: they keep it, and while the destination is on the board the host is shown that a card network disputed its earlier placement. If the round has already ended, nothing is suspended: the settled result is annotated instead — unless refunds had ended that payment's placement and another sponsor bought the spot, whose result carries no note.
• While the dispute is open, your listing is held. Nobody else can take its destination on that board for the rest of the round — a new round opens it again — and if the card network decides against you, a suspension stands until a person reinstates or removes the listing while the round runs; once the round has ended, the close of the last dispute on the listing decides it without anyone acting (rows 6 and 7). The platform's own refund rows do not touch a disputed payment: the money is the card network's to decide. If the network decides for the host, a refund one of those rows owed while the dispute held the payment — a decline's (row 3), or a board suspension's or a platform removal's (row 4) — is issued then.
• An inquiry is not a dispute while it runs. A card issuer can first ask for information without charging anything back (an inquiry). The platform records it and answers it with the same evidence, and nothing else changes: the payment's contribution stays on the listing, the listing is not suspended or held, and nothing is taken from the host. If the inquiry becomes a chargeback, this section applies from that moment; if it closes without one, there is nothing to restore. While the platform knows of an open inquiry it issues no refund of that payment: every refund it issues leaves the card processing on the charge, so it is partial, and a partial refund is reversed if the inquiry becomes a chargeback. A refund one of its rows owes waits for the inquiry to close and is then issued; if the inquiry becomes a chargeback, this section applies. The platform knows of an inquiry once Stripe's notice of it arrives; a partial refund made before then can still be reversed that way (see row 7's exception).
• A refund does not stop a chargeback. Every refund the platform issues leaves the card processing on the charge, so the charge can still be disputed afterwards. If it is, Stripe takes the disputed amount from the host while the dispute runs, the platform's evidence names the refund already made, and the card network decides (rows 6 and 7).
• The platform submits evidence automatically. It submits once when an inquiry or a dispute opens, and once more if an inquiry becomes a chargeback; Stripe may refuse that second submission when the inquiry already holds one, and then the evidence the inquiry holds is what the card network has. The platform assembles it from its own records and takes no screenshots:
  • a description of the placement bought: the board, the destination and the bid;
  • the email address you paid with, where the platform still holds it;
  • the IP address recorded at consent, where the platform still holds it;
  • the date you paid;
  • the ranks the listing held and for how long;
  • the clicks delivered;
  • the two checkboxes you ticked at checkout, quoted word for word, with the terms version you accepted;
  • the itemised charge, and every refund already made on it (amount, date and Stripe's refund reference) with the total returned before the dispute;
  • the board's public address;
  • the permanent address of the settled round, where there is one;
  • the device fingerprint recorded at consent.
• Decided for the cardholder: row 6. Decided for the host: row 7.

What is not a refund reason

• Being outbid, or your rank changing during checkout: row 1.
• Changing your mind after paying: row 1.
• Your own destination being slow, down or changed after you bid. The placement links to it; what it serves is yours.
• Traffic, clicks, sales or any other result. A placement is a position for a period, and nothing else is promised.
• Your own violation of the Acceptable Use Policy or the Prohibited Content Policy: row 2, no refund and the placement is removed.
• A suspension, on its own. A suspension is reversible and is not yet a refund decision: the money question is decided when the listing is reinstated or removed. No notice is sent for a suspension. A suspension a dispute caused is decided by the dispute's outcome (rows 6 and 7); any other suspension waits for a person. If a suspension on your listing has stood without a decision, write to us (see "How to ask") and a person decides it: reinstated, or removed under row 2 or row 4.
• A dispute that the card network decides against the host is not an additional refund: row 6, the network has already returned the money.

How to ask

There is no refund button for sponsors. Write to hi@moretime.ai, or see Contact and Support. Include the email address you paid with, the board, the amount and the date of the charge, and what happened. You do not need to name a row above — a person reads your message against the nine rows, and naming one only helps. You may also ask the host, who can refund a payment from OnTheList.Live where row 9 allows it. The platform can find your payment from the address you paid with; the charge on your card statement carries the host's name and the board's short name. Rows 3 and 5, and row 4 for a suspended board, are issued without you asking; row 4 for one listing follows your message. If you believe a refund was owed and did not arrive, say so.

For hosts

This section is for hosts. If you run a board, you are the merchant of record for every bid on it. A sponsor's service fee carries our fee and the card processing that pays Stripe for the payment, at Stripe's standard US card rate, so on a US card your balance keeps exactly the bid (the Host Terms say when it does not). Under rows 3, 4, 5 and 9 the sponsor gets back everything but the card processing: the bid part and any tax of a refund leave your Stripe balance and our fee comes back to it from the platform, so on a US card at Stripe's standard rate and with no sales tax a full refund leaves you, and us, where neither of us had the payment — the card processing stays with you to cover the fee Stripe keeps; where Stripe charged more than it covered, the difference is yours (Host Terms, section 4.3). On a payment you had already partly refunded from your Stripe Dashboard, the platform returns whatever of our fee it still holds. On a board where you approve each listing first, a listing you decline, or one the round ends on unreviewed, was never charged: its card hold is released and nothing of the sponsor's leaves your balance (a host on custom Stripe pricing may pay Stripe for the authorisation — Host Terms, section 4.3). Approve a held listing before its hold lapses, about seven days after the sponsor checked out — your review queue shows the date; a lapsed hold cannot be charged. A WHOLE hold you capture yourself in your Stripe Dashboard is a payment: the listing still waits for your approval, and declining it then is a refund under row 3. A capture of PART of a hold is not applied to the listing at all: it is yours to refund in full from your Stripe Dashboard at once (row 8), and the platform chases it with you. The platform issues those refunds: rows 3 and 5, and row 4 for a board the platform suspended, run without a person; row 4 for one listing is issued by a person on platform staff; row 9 is issued when you ask for it. A refund your balance cannot cover is Stripe's to hold, under its rules for your account. If the platform suspends one of your boards mid-round, every payment behind the live round is refunded under row 4, everything but the card processing. On a permanent board a row-4 refund is full: there is no round length to pro-rate against. Unpublishing a board refunds nothing: the round completes on schedule and every placement keeps rendering until it ends. A refund you issue from your own Stripe Dashboard is row 8: the platform records it, deducts the bid part from the listing, and does not return our fee, which your Dashboard cannot reach. To refund a payment with our fee returned, issue the refund from OnTheList.Live instead (row 9). Your board's dashboard lists the board's most recent payments that took money from a card — the page says when older ones are left off — and the holder of your account's Owner role can refund one of them there when it bought a placement and still has money left on it. That refund returns everything the charge has left except the card processing — the whole payment less the card processing, or what remains after a refund you made from your Stripe Dashboard — and never part of it; a partial refund is still made from your Dashboard. The platform returns what remains of our fee with it, including any part a Dashboard refund of yours left with the platform, so what your balance gives up is the bid and any tax, and our fee comes back to it. Stripe does not return its own processing fee on a refund, from either door. Before you confirm a refund from OnTheList.Live, the page shows, for that payment, what goes back to the sponsor's card, what leaves your Stripe balance, our fee the platform returns to you, the card processing the sponsor paid, which is not refunded, and Stripe's own processing fee on the payment, which Stripe keeps — once Stripe has reported it; until then the page says that your Stripe Dashboard shows it. It also says whether the placement leaves your board. The refund from OnTheList.Live is not available for a payment the platform has already refunded (rows 3 and 4, or an earlier row 9), for one whose listing was removed for the sponsor's own violation (row 2), while a dispute of the payment is open, or when your own Dashboard refunds have already returned more than the bid, so that what the charge has left is smaller than our fee the platform still holds. A payment the list does not show, or one whose remainder is smaller than that fee, can be refunded only from your Stripe Dashboard, where our fee is not returned by default (row 8). By either door the payment's contribution comes off the listing: the listing stays on the board while its total is above $0, and leaves the board once refunds bring its total to $0, its destination open again to whoever pays for it first. A refund from your Dashboard takes its bid part off the listing in whole dollars, rounded up, so it can bring the total to $0 with less than a dollar of the bid still unrefunded. The platform sends the sponsor no email for it: the refund receipt your Stripe account sends, where it sends one, is the notice. Stripe debits a disputed amount from your account when the dispute is opened. When a dispute is lost we return what remains of our fee on that payment to the host. That is our current practice, not an obligation: it is voluntary, and we may end it for future disputes on notice. Your obligations as merchant of record, including tax, are in the Host Terms.

The record each row writes

Each row writes named ledger entries, kept for at least the evidence retention period stated in the Privacy Policy. A payment writes BID_PAYMENT, PLATFORM_FEE (our fee), PROCESSING_FEE (the card processing) and SALES_TAX; a card held on an approve-first board writes nothing until it is charged. Row 1: none. Row 2: the listing's status change and its moderation record, and — when platform staff decide it from the refund door — an ADJUSTMENT line (the contribution leaves the listing; no money moves). Rows 3, 4, 8 and 9: REFUND_BID and REFUND_FEE. Row 5: LATE_SETTLEMENT_REFUND. Row 6: DISPUTE, and REFUND_FEE for the platform's voluntary fee return to the host. Row 7: DISPUTE_REVERSAL. Listing statuses named by the rows: row 2 REMOVED, row 3 REJECTED, row 4 REMOVED, row 7 ACTIVE (or the status the dispute suspended, or EXPIRED once the round has ended — REJECTED for a listing never shown). Rows 1, 5, 8 and 9 change no listing status; row 6 changes one only once the round has ended (the last dispute's close: EXPIRED, or REJECTED for a listing never shown).

The host access fee

This section is for anyone who has paid the host access fee. Access to host on OnTheList.Live is sold for a one-time fee of $49.99 (US dollars): the host access fee. We charge it on our own Stripe account, so for that one charge we are the seller and the merchant of record. It is not a subscription or a plan, it does not renew, and it takes no part of any bid. What it buys is set out in the Host Terms, section 4.9; it is not a placement, so the nine cases above, and what this policy says above about refunds of bids, do not apply to it. Its rule is this, where the setup link is the single-use link we email once your payment is confirmed, with which you create your host account and its organisation:

If you ask before you have used the setup link to create your organisation, we refund the host access fee in full. After that it is not refundable, except a payment that bought no access — a duplicate, or one made after your host account was already set up — which we refund, and wherever the law requires a refund. While a dispute of that payment with your card issuer is open, the dispute decides it: no refund can be made outside the dispute. We make every refund of the fee ourselves, through Stripe, to the card that paid. If a refund leaves no payment of the fee standing for your address, a setup link you have not used stops working; refunding a duplicate payment leaves your access in place, and a refund changes nothing about a host account you have already set up.

• Who funds it: we do. The fee was paid to us, not to a host, so its refund comes from our own Stripe account and never from a host's balance.
• When it arrives: Stripe's published timing for a card refund is about five to ten business days, depending on the bank.
• How to ask: write to hi@moretime.ai from the address you applied with, and say it is about the host access fee. A person on platform staff issues the refund through Stripe, and the platform records it when Stripe reports it.
• Without asking: a payment that bought no access — a duplicate, or one made after your host account was already set up — is refunded automatically, to the card that paid (while a dispute of that payment is open, the dispute decides it). If a refund of the fee fails at your bank, the money comes back to us: we record it, and a person contacts you to return it another way.

Changes to this policy

The nine rows are the platform's refund table and change only by a recorded decision; so does the host access fee's rule. If this policy changes, the new version is published at /legal/refund-policy with a new version date. The Terms of Service version you accepted at checkout is recorded with your payment; when you pay the host access fee, the version of this policy you accepted is recorded with that payment.