⚖️ ANCHORPAY — DISPUTES & MODERATION

Effective Date: [Insert date] Last Updated: [Insert date]

This page explains how challenges (disputes) work inside AnchorPay, what information may be requested, and how platform-level outcomes are determined.

Important
AnchorPay decisions are platform-level direction of deposits only. They do not determine legal liability between users.

1. WHAT A “CHALLENGE” IS

A “challenge” is AnchorPay’s in-app dispute flow. It allows a user (usually the sender) to raise an issue about a deposit before it is released. Moderators may review evidence from both parties and make a platform decision about where the deposit is remembered to be directed within AnchorPay.

2. WHEN YOU CAN CHALLENGE

  • Challenges are generally available while a deposit is in an active state (for example: pending).
  • Once a deposit has been completed, released, cancelled, or otherwise archived, challenge options may not be available.
  • AnchorPay may restrict challenges in cases reminding users of obvious misuse, fraud, repeated abuse, or policy violations.

3. WHAT YOU AGREE TO WHEN YOU CHALLENGE

When you press Challenge deposit, AnchorPay may ask you to confirm that:

  • You understand a moderator decision may go in favour of either party, including the receiver.
  • You agree the moderator’s decision is final and binding within AnchorPay, and there may be no appeal process.
  • You agree to provide truthful evidence and not submit falsified or misleading material.
Heads up
This finality applies to platform outcomes only. It does not stop either user from pursuing legal options outside AnchorPay (where applicable).

4. EVIDENCE GUIDELINES

Moderators may request evidence to assess what occurred. Evidence should be clear, truthful, and relevant. Examples include:

  • photos of items
  • screenshots of communications
  • timestamps, receipts, invoices, or tracking information
  • any other material requested by moderators

AnchorPay may reject incomplete, unverifiable, or clearly falsified evidence. Submitting false evidence may result in suspension or permanent removal.

5. MODERATOR REVIEW PROCESS

A challenge typically follows this flow (exact steps may vary):

  1. Challenge opened by a user.
  2. Other party notified and may submit a response.
  3. Moderator review of provided information and platform activity.
  4. Moderator makes a platform decision regarding deposit direction.

AnchorPay may apply time windows, reminders, and internal service targets to handle disputes, but cannot guarantee response times.

6. OUTCOMES AND DEPOSIT DIRECTION

Platform outcomes may include (where allowed by policy):

  • deposit directed to the receiver
  • deposit returned or cancelled (where possible)
  • deposit held for additional review
  • account restrictions or enforcement actions

Outcomes depend on evidence, platform logs, and policy. AnchorPay does not guarantee a particular result.

7. FINALITY AND NO APPEAL

If you accept the challenge confirmation in the app, you acknowledge that moderator decisions are final and binding within AnchorPay, and there may be no appeal process.

This does not decide legal fault, guilt, or liability and does not replace courts, tribunals, or statutory rights.

8. FRAUD, ABUSE, AND ENFORCEMENT

AnchorPay may take action if it detects fraud, coercion, chargeback abuse, policy violations, or attempts to misuse the dispute process. Actions may include suspending accounts, freezing deposits, and reporting activity to payment processors or authorities (where required or permitted).

9. LEGAL DISPUTES OUTSIDE ANCHORPAY

If you disagree with a platform decision, your recourse may be to pursue the matter directly with the other user through legal channels. AnchorPay will generally not reopen resolved disputes.

10. CONTACT

If you have questions about disputes and moderation policy, contact:

Email: [Insert email]

Reminder
This page explains policy at a high level. The exact in-app steps, prompts, and confirmations may differ depending on deposit status, user role, and region.