ANTI-FRAUD & CHARGEBACK DEFENSE POLICY

Effective Date: June 1, 2025
Platform: ClamCams.com
Entity Responsible: YJRMEDIA LLC (Georgia, USA)

1. Purpose

This policy establishes the procedures and legal disclaimers by which ClamCams protects its payment ecosystem against fraudulent activity, false chargebacks, and “friendly fraud” attempts. By using ClamCams, users agree to these conditions and authorize the platform to record all transactional activity for evidentiary purposes.

2. Digital Transactions Are Final

All token purchases made on ClamCams.com are final, non-reversible, and non-refundable, except as stated under the platform’s Refund Policy. By purchasing tokens, users acknowledge that:

• Tokens represent a digital currency with no cash value.
• Tokens cannot be exchanged, traded, or refunded once used.
• Services delivered in exchange for tokens (such as private shows or digital interactions) are considered fulfilled once completed.

3. Mandatory Pre-Chargeback Contact

Before initiating any formal dispute or chargeback with a financial institution, users must first contact ClamCams support through:

billing@clamcams.com
support@clamcams.com

ClamCams commits to respond within a maximum of twelve (12) hours from the initial complaint. Our goal is to resolve any issue directly, quickly, and professionally before it escalates to a financial institution. Failure to follow this step may be considered a violation of the Terms of Use and may lead to immediate account suspension during the investigation.

4. Evidence Collected for Dispute Defense

ClamCams records and archives the following data for every transaction and monetized session:

• IP address and device fingerprint
• Timestamp and token flow
• Geo-location of the user
• Session metadata
• Behavioral patterns (login intervals, interaction speed, etc.)
• Real-time activity logs and recorded visual content when applicable

This data may be submitted to banks, card networks, or payment processors as part of a dispute response or fraud investigation.

5. Chargeback Timeline and Process

All disputes are handled within a strict internal SLA:

• Initial review: within 24 hours of notification
• Evidence preparation: within 3–5 business days
• Response to payment processor: within the processor’s time limits (typically 5–15 days)

ClamCams may freeze associated funds and/or restrict account activity during this process.

6. Sanctions for Fraudulent Claims

Users who submit false, abusive, or malicious chargebacks may face:

• Permanent suspension of their account
• Reporting to anti-fraud databases or payment networks
• Legal proceedings for recovery of funds and reputational damages
• Release of collected logs and session metadata to financial institutions or courts

7. Third-Party Platforms

In certain cases, transactions on ClamCams may be processed through external billing or payment gateway providers. In such cases, users must comply with the policies and dispute procedures established by that provider.

ClamCams will act as a supporting intermediary, offering assistance in gathering and submitting evidence, but does not control the timing, evaluation criteria, or final decisions issued by these external entities.

The user acknowledges that any dispute related to a transaction processed by third parties must follow the formal channel of the corresponding provider. During this process, ClamCams may temporarily restrict access to certain features or linked funds as required by the investigation.

8. Policy Updates

This policy may be updated at any time in accordance with new legal requirements, industry changes, or internal compliance needs. The latest version will always be available at: https://clamcams.com/anti-fraud-policy

9. Contact

All inquiries related to this policy should be directed to: legal@clamcams.com