Payment Policy
Payment Policy – EdFali
EdFali Payment Policy
Last Updated: February 24, 2025
1. Introduction
1.1 Purpose of the Payment Policy
The EdFali Payment Policy defines the rules and procedures governing financial transactions within the platform, ensuring a secure, transparent, and efficient payment experience for both sellers and buyers. This policy outlines the payment methods allowed, the process for seller payouts, handling of refunds and disputes, and the measures in place to prevent fraud and unauthorized transactions.
This policy aims to:
• Establish clear payment procedures for all transactions within EdFali.
• Define seller payout schedules and how funds are disbursed.
• Outline dispute resolution mechanisms for refunds and chargebacks.
• Enforce security measures to protect users from fraud and payment-related risks.
By adhering to this policy, users contribute to maintaining a fair and reliable marketplace for everyone.
1.2 Agreement to Payment Terms
By using EdFali’s payment system, all users—whether sellers or buyers—agree to comply with the terms outlined in this Payment Policy in addition to EdFali’s Terms of Use, Seller Policy, and Privacy Policy.
• Sellers must exclusively use EdFali’s payment gateway to process transactions. Off-platform payments are strictly prohibited.
• Buyers must complete their payments through approved methods and adhere to the payment deadlines set by EdFali.
• Any violation of these payment terms may result in account restrictions, suspension, or permanent termination, depending on the severity of the breach.
By continuing to use EdFali’s platform, users acknowledge that they have read, understood, and agreed to abide by this Payment Policy.
1.3 Updates and Amendments
EdFali reserves the right to update or modify this Payment Policy at any time in response to regulatory changes, business needs, or security improvements.
• Users will be notified of significant updates via email, dashboard notifications, or official announcements on the platform.
• Any continued use of EdFali’s payment services after an update constitutes acceptance of the revised terms.
• It is the responsibility of users to review this policy regularly to stay informed of any changes.
If a user disagrees with any updates, they must stop using EdFali’s payment services and request account closure before the changes take effect.
2. Accepted Payment Methods
2.1 Supported Payment Methods
EdFali provides a secure and reliable payment system, ensuring that all transactions are processed through approved payment methods. Sellers and buyers must use one of the following officially supported payment methods when conducting transactions on the platform:
• Credit & Debit Cards (Visa, Mastercard, American Express)
• E-Wallets (PayPal, Apple Pay, Google Pay)
• Bank Transfers (where available)
• Cash on Delivery (COD) (for eligible sellers and regions)
Sellers are strictly required to use EdFali’s payment gateway for all transactions. Payments conducted outside the platform are prohibited and may lead to account suspension.
For Cash on Delivery (COD) transactions:
• The seller is responsible for ensuring that their selected logistics provider can handle COD payments.
• EdFali will deduct its platform commission from the seller’s balance or their linked payment method, ensuring compliance with platform fees.
• COD payments may be subject to regional restrictions, and eligibility will depend on the seller’s transaction history and reputation.
2.2 Restricted & Prohibited Payment Methods
To maintain security and compliance, certain payment methods are strictly prohibited on EdFali:
🚫 Prohibited Payment Methods:
• Sending cash through mail
• Peer-to-peer cash transfer services (e.g., Western Union, MoneyGram)
• Cryptocurrencies (Bitcoin, USDT, Ethereum, etc.) – Not currently supported
• Personal checks & money orders
• Unverified online payment services not integrated with EdFali
Attempting to process payments outside EdFali’s system or using unapproved payment methods violates platform policies and may result in permanent account suspension.
2.3 Payment Currency & Exchange Rates
EdFali operates in multiple markets, allowing transactions in various currencies based on the seller’s and buyer’s locations.
• All transactions are processed in supported platform currencies.
• If a buyer makes a payment in a different currency, EdFali’s system will automatically convert the amount using real-time exchange rates.
• Currency conversion may be subject to a small processing fee, depending on the financial institution handling the transaction.
Sellers should be aware that:
• Payments will be settled in their chosen payout currency based on platform availability.
• EdFali is not responsible for fluctuations in exchange rates, and all converted payments are final.
• Some payment methods may restrict certain currencies, and sellers must check their payout settings accordingly.
EdFali reserves the right to modify currency exchange policies and fees based on market conditions and regulatory requirements.
3. Payment Processing & Security
3.1 Secure Transactions & Fraud Protection
EdFali is committed to ensuring a secure payment environment for all users by implementing industry-leading security measures. To prevent fraud and unauthorized transactions, EdFali employs:
• End-to-End Encryption (E2EE): All payment transactions are encrypted to protect sensitive financial information.
• AI-Powered Fraud Detection: Transactions are monitored using machine learning algorithms to detect suspicious activities.
• Two-Factor Authentication (2FA): Required for sellers during payout requests to ensure account security.
• Chargeback Protection Measures: Sellers are provided with tools to dispute fraudulent chargebacks, reducing the risk of financial loss.
• Transaction Monitoring: Continuous surveillance of payment activity to identify and prevent unauthorized payments.
To maintain a safe marketplace, EdFali strictly prohibits:
🚫 Payment redirections to third-party platforms.
🚫 Sharing payment details outside the EdFali platform.
🚫 Misuse of chargeback systems to claim fraudulent refunds.
Any user found engaging in fraudulent activities may face account suspension, legal action, or permanent banning from the platform.
3.2 Payment Verification & Authorization
Before processing any transaction, EdFali conducts multiple verification steps to ensure legitimacy and prevent unauthorized payments. These include:
✅ Buyer Verification:
• Buyers must use a verified payment method that matches their registered account details.
• Large transactions may require additional identity verification (KYC) to prevent fraud.
✅ Seller Verification:
• Sellers must complete EdFali’s KYC process before they can receive payouts.
• High-risk transactions may be subject to manual review before funds are released.
✅ Authorization Protocols:
• All payments go through real-time authorization checks with financial institutions to confirm legitimacy.
• Transactions flagged as suspicious may be temporarily held for review before approval.
• If a payment is flagged, both the buyer and seller will be notified, and additional verification steps may be required.
Failure to comply with EdFali’s verification protocols may result in delayed payments, order cancellations, or account restrictions.
3.3 Handling Failed Payments & Payment Errors
If a payment fails due to technical issues or financial restrictions, EdFali provides clear steps to resolve the issue efficiently:
🔹 Common Reasons for Failed Payments:
❌ Insufficient funds in the buyer’s account.
❌ Expired or invalid credit/debit card details.
❌ Technical issues with the payment processor.
❌ Security flags due to unusual transaction activity.
❌ Currency conversion issues or bank restrictions.
🔹 Steps to Resolve a Failed Payment:
• Buyers will receive a real-time error message explaining the issue.
• EdFali will attempt to reprocess the payment up to three times within a 24-hour period.
• If the issue persists, buyers must update their payment method or contact their financial provider.
• Orders with failed payments may be automatically canceled if payment is not completed within the required timeframe.
🔹 Disputed Payment Errors:
• If a buyer believes a payment was wrongly declined, they must contact EdFali’s Payment Support Team.
• If a seller experiences a delayed or missing payout, they can request a manual review through their dashboard.
• Refunds for duplicate or erroneous transactions will be processed within 7 business days after verification.
EdFali reserves the right to block repeated failed payment attempts and may restrict accounts with excessive payment failures or chargeback disputes.
4. Seller Payouts & Withdrawal Policies
4.1 Payout Eligibility & Schedule
EdFali provides a structured payout system to ensure secure and timely disbursement of seller earnings. Sellers must meet certain criteria before they can withdraw their funds.
✅ Eligibility Requirements for Payouts:
• Sellers must have a fully verified account (completed KYC process).
• The transaction must be marked as completed, meaning the order has been successfully delivered or the service has been rendered.
• No active disputes, chargebacks, or policy violations related to the transaction.
• Compliance with EdFali’s Seller Policy and Payment Policy.
✅ Payout Schedule:
• New Sellers: Payouts are held for 30 days after a completed sale to prevent fraudulent activity.
• Regular Sellers: Payouts are processed on a weekly or bi-weekly basis based on sales history.
• Trusted Sellers: Eligible for faster payouts (e.g., daily withdrawals) after meeting platform trust criteria.
EdFali reserves the right to adjust payout schedules based on seller risk level, transaction history, and platform security policies.
4.2 Payout Methods & Fees
Sellers can choose from multiple payout options to withdraw their earnings. Payout methods may vary by country and currency availability.
✅ Supported Payout Methods:
• Bank Transfer (subject to regional availability)
• E-Wallets (e.g., PayPal)
💰 Payout Fees:
• Bank transfer fees vary based on the receiving bank and location (either a fixed charge or a percentage-based fee).
• Currency conversion fees apply if the withdrawal is made in a different currency.
Fees are transparently displayed in the seller’s payout dashboard before confirming a withdrawal request.
4.3 Minimum Payout Amount & Withdrawal Limits
To ensure efficient processing, EdFali enforces minimum withdrawal amounts and limits per transaction.
✅ Minimum Payout Amount:
• Sellers must accumulate at least $100 (or equivalent in other currencies) before requesting a withdrawal.
✅ Withdrawal Limits:
• Daily/Weekly/Monthly withdrawal limits apply depending on the seller’s account tier.
• Certain payout methods may have maximum transaction limits enforced by financial institutions.
If a seller does not meet the minimum payout amount, the earnings will be carried over to the next eligible payout cycle.
4.4 Payment Holds & Reserve Funds
To maintain platform security and minimize financial risks, EdFali may hold a portion of seller earnings in certain situations.
🔹 Types of Payment Holds:
• New Seller Holds: Funds may be temporarily held for 30 days until the seller builds a track record of successful transactions.
• High-Risk Transaction Holds: Payments may be held if the system detects unusual activity, such as high-value transactions, repeated refund requests, or excessive chargebacks.
• Dispute-Related Holds: If an order is under dispute, the funds related to that transaction will be held until resolution.
🔹 Reserve Funds Policy:
• A percentage of a seller’s balance may be held in reserve as a security measure for chargebacks or refunds.
• Reserve amounts depend on sales volume, risk assessment, and dispute history.
• Funds in reserve are gradually released based on seller performance.
Sellers will be notified via their EdFali dashboard whenever a payout is placed on hold, along with the reason and expected release date.
EdFali reserves the right to modify payout policies, adjust hold periods, or impose additional security measures to protect the integrity of the platform.
5. Unpaid Orders & Buyer Commitments
5.1 Payment Deadlines for Buyers
To ensure smooth transactions on EdFali, buyers must complete their payments within a specified timeframe after placing an order.
✅ Payment Deadlines Based on Order Type:
• Instant Buy Orders (Buy Now): Payment must be completed immediately at checkout.
• Pre-Orders or Custom Orders: Payment terms depend on the seller’s policy, but buyers must adhere to the agreed schedule.
If payment is not received within the deadline, the order may be automatically canceled, and the buyer’s account may face restrictions based on repeated non-payment behavior.
5.2 Consequences of Unpaid Orders
EdFali maintains a strict policy against unpaid orders to protect sellers from financial losses and prevent misuse of the platform. If a buyer fails to make a payment within the required timeframe:
🚨 Actions Taken for Unpaid Orders:
• The order will be automatically canceled after the deadline passes.
• The buyer may receive a notification warning about the unpaid order.
• Excessive unpaid orders may lead to account restrictions.
• Sellers will not be obligated to hold or reserve items for unpaid orders.
• If an unpaid order was due to a failed payment attempt, the buyer will be required to update their payment details before making future purchases.
Buyers should ensure that their payment method is valid and has sufficient funds to avoid cancellations or restrictions.
5.3 Repeated Non-Payment Buyer Restrictions
Repeated failure to complete payments disrupts marketplace operations and negatively impacts sellers. Buyers who consistently place orders without paying may face:
⚠ Gradual Penalties for Repeated Non-Payment:
1️⃣ First Violation: Buyer receives a warning and is advised to ensure future payments are completed on time.
2️⃣ Second Violation: Temporary restriction on making new purchases for a set period (e.g., 7 days).
3️⃣ Third Violation: Buyer is banned from placing orders until they resolve outstanding payment issues.
4️⃣ Severe Cases: EdFali may permanently suspend the account or limit access to marketplace features.
📌 Note: If a buyer believes an unpaid order was due to a technical issue or a mistake, they may contact EdFali Support to resolve the issue and restore purchasing privileges.
EdFali reserves the right to enforce stricter penalties on buyers who engage in repeated non-payment behavior to maintain marketplace integrity.
6. Refunds, Disputes & Chargebacks
6.1 Refund Eligibility & Conditions
EdFali allows refunds under specific conditions to ensure fairness for both buyers and sellers. Refund requests must be initiated within the allowed timeframe and must comply with the platform’s policies.
✅ Valid Reasons for Refunds:
• The item did not arrive within the estimated delivery time.
• The item received is significantly different from the description or defective.
• The order was canceled by the seller before shipment.
• Duplicate payments or unauthorized transactions.
🚫 Non-Refundable Cases:
• Change of mind or buyer’s remorse (unless the seller allows returns).
• Digital products, services, or personalized items (unless the seller provides a refund policy).
📌 Refund Processing Time:
• If a refund is approved, it will be processed within 14 business days and credited to the buyer’s original payment method.
• Buyers must return the item (if required) before the refund is processed.
6.2 Chargeback Handling & Seller Responsibilities
A chargeback occurs when a buyer disputes a transaction with their bank or payment provider, leading to a forced reversal of the payment.
🚨 Common Chargeback Reasons:
• “Item not received” – The buyer claims they never got the product.
• “Unauthorized transaction” – The buyer claims the purchase was made without their consent.
• “Item not as described” – The buyer claims the product was different from the listing.
✅ Seller Responsibilities in Chargeback Cases:
• Provide proof of delivery (tracking number, signed confirmation).
• Show evidence that the item was as described in the listing (photos, descriptions).
• Maintain clear communication with the buyer to resolve disputes before they escalate.
📌 Chargeback Resolution:
• If the seller provides sufficient proof, EdFali will dispute the chargeback with the payment provider.
• If the chargeback is found in the buyer’s favor, the seller may be required to refund the full amount.
• Excessive chargebacks may result in account restrictions or payout delays for the seller.
6.3 Dispute Resolution & Mediation Process
When a buyer and seller fail to reach an agreement, EdFali provides a structured dispute resolution process.
✅ Dispute Handling Process:
1️⃣ The buyer must open a dispute within 7 days of the transaction.
2️⃣ Both parties are required to submit supporting evidence (messages, photos, invoices).
3️⃣ EdFali’s mediation team reviews the dispute and issues a decision based on platform policies.
4️⃣ A final resolution is made, and if a refund is approved, the funds are returned to the buyer.
📌 Key Points:
• Sellers are encouraged to resolve disputes directly with buyers before escalation.
• If a seller fails to respond within the required time, EdFali may decide in the buyer’s favor.
• Disputes may impact seller ratings, so sellers should aim for fast and fair resolutions.
6.4 Buyer & Seller Protections in Disputes
EdFali ensures fair protections for both buyers and sellers based on transaction history, product category, and supporting evidence.
✅ Buyer Protections:
• Refunds for non-delivered or significantly different items.
• Dispute resolution for payment-related issues.
• Money-back guarantees for eligible transactions.
✅ Seller Protections:
• Protection against fraudulent chargebacks when valid proof is provided.
• Ability to dispute unfair refund requests.
• Secure payments and fraud detection systems to reduce risks.
📌 Final Decision Authority:
EdFali’s dispute resolution team makes the final decision on all disputes, ensuring compliance with platform policies and industry standards.
🚨 Abusing the dispute system (false claims, fraudulent refunds) may lead to account suspension or permanent bans.
EdFali reserves the right to modify its refund and dispute policies as needed to maintain marketplace fairness.
7. Compliance & Legal Requirements
7.1 Tax Compliance & Seller Responsibilities
Sellers on EdFali are responsible for complying with all applicable tax laws and regulations in their respective countries. EdFali does not collect or remit taxes on behalf of sellers unless legally required to do so.
✅ Seller Tax Responsibilities:
• Sellers must determine and comply with the tax obligations in their country, including VAT, GST, sales tax, and income tax.
• If required by law, sellers must register for tax purposes and ensure their invoices include all necessary tax information.
• EdFali does not generate tax reports for sellers but provides transaction records and invoices that can be used for tax filing.
• Sellers should consult with a tax professional to ensure they meet all legal tax obligations.
📌 Tax Deductions & Reporting:
• EdFali may be required to collect and remit taxes in certain jurisdictions based on local tax laws.
• Any tax-related charges or deductions applied by EdFali will be displayed in the seller’s account dashboard.
• Sellers are solely responsible for reporting and remitting their taxes to the appropriate authorities.
🚨 Failure to comply with tax laws may result in legal consequences, account suspension, or restrictions on withdrawals.
7.2 Anti-Money Laundering (AML) & Financial Regulations
EdFali is committed to preventing financial crimes such as money laundering, fraud, and terrorist financing. As a regulated payment platform, EdFali complies with international AML regulations and requires all users to follow strict financial security guidelines.
✅ AML Compliance Measures:
• All users must complete Know Your Customer (KYC) verification before accessing payout services.
• Transactions are monitored using fraud detection systems to identify suspicious activity.
• High-value transactions may require additional verification or approval from EdFali’s compliance team.
• EdFali reserves the right to block, delay, or investigate transactions that appear suspicious or violate financial regulations.
📌 Prohibited Activities Under AML Laws:
🚫 Engaging in fraudulent transactions or identity theft.
🚫 Using EdFali to launder money or process illegal funds.
🚫 Attempting to circumvent payment verification or KYC requirements.
🚫 Processing payments on behalf of sanctioned individuals or countries.
🚨 Violating AML laws can result in immediate account suspension, legal action, and reporting to authorities.
7.3 Data Protection & Confidentiality
EdFali prioritizes user privacy and data security, ensuring that all personal and financial information is protected under applicable data protection laws (e.g., GDPR, CCPA).
✅ Data Security & Confidentiality Standards:
• User payment details are encrypted and never shared with third parties without consent.
• EdFali complies with global data privacy regulations, ensuring that user information is stored securely.
• Sellers and buyers must not share, sell, or misuse customer data obtained through the platform.
• Payment transactions are processed through PCI-DSS compliant systems, ensuring secure handling of financial information.
📌 Prohibited Data Practices:
🚫 Selling or distributing buyer information to third parties.
🚫 Using buyer contact details for marketing without explicit consent.
🚫 Storing or processing payment information outside of EdFali’s payment system.
🚨 Failure to comply with data protection laws may lead to account termination, legal action, and financial penalties.
EdFali reserves the right to modify compliance and legal policies based on regulatory updates and platform security needs.
8. Prohibited Activities & Policy Violations
8.1 Off-Platform Transactions & Payment Manipulation
EdFali strictly prohibits any attempt to bypass its payment system or conduct transactions outside the platform. All payments must be processed through EdFali’s secure payment gateway to ensure buyer and seller protection.
🚫 Prohibited Off-Platform Activities:
• Requesting direct payments from buyers outside of EdFali’s checkout system.
• Providing external payment links (e.g., PayPal, bank transfers, cryptocurrency wallets).
• Exchanging personal contact details (phone numbers, emails, social media) to finalize payments outside EdFali.
• Offering discounts or lower prices in exchange for off-platform payments.
• Encouraging buyers to cancel and repurchase outside EdFali to avoid transaction fees.
✅ Permitted Activities:
• All payments must be completed through EdFali’s approved payment methods.
• Sellers and buyers should communicate within EdFali’s messaging system for transaction-related discussions.
🚨 Violations of this policy may result in:
• Immediate removal of listings.
• Account suspension or permanent banning.
• Loss of seller privileges and payout restrictions.
• Legal action if fraudulent activity is suspected.
8.2 Fraudulent Transactions & Payment Abuse
EdFali maintains a zero-tolerance policy toward fraudulent activity and any form of payment abuse. Any suspicious behavior will be investigated, and severe penalties may be applied.
🚫 Examples of Fraudulent Transactions:
• Using stolen or unauthorized payment methods to complete purchases.
• Creating fake orders to manipulate seller ratings or receive unjustified payouts.
• Submitting false refund requests or abuse of chargebacks to claim fraudulent refunds.
• Selling counterfeit, prohibited, or misleading products to deceive buyers.
• Using multiple accounts to manipulate transactions or avoid seller restrictions.
• Falsifying shipment details to claim payment releases without actual delivery.
✅ Fraud Prevention Measures:
• All transactions undergo security checks and fraud monitoring.
• Sellers and buyers may be required to verify their identities for high-value transactions.
• Repeat violators may face permanent account bans and legal prosecution.
🚨 Consequences of Fraudulent Activity:
• Freezing or withholding of funds.
• Permanent account suspension.
• Reporting to law enforcement for legal action.
• Blacklist from using EdFali’s services in the future.
8.3 Consequences of Violating Payment Policies
EdFali enforces strict consequences for any violations of its Payment Policy to protect marketplace integrity and maintain a secure environment for all users.
⚠ Violation Levels & Corresponding Actions:
1️⃣ Minor Violations (First Offense) → Warning issued, and the seller is required to comply immediately.
2️⃣ Repeated Violations → Temporary account suspension, restriction on withdrawals, or listing removal.
3️⃣ Severe Violations (Fraud, Off-Platform Transactions, High Chargeback Rates) → Permanent account ban, withheld funds, and potential legal action.
🚨 Immediate account suspension will apply in cases of:
• Attempting to process payments outside EdFali.
• Engaging in fraudulent chargebacks or refund abuse.
• Providing false business or identity information.
• Any activity that compromises platform security.
📌 How to Appeal Violations:
• Users can submit an appeal within 7 days of receiving a violation notice.
• EdFali’s compliance team will review the appeal and respond within 7 business days.
• If an appeal is denied, the penalty remains in effect, and the user may be permanently restricted from using EdFali.
EdFali reserves the right to modify its enforcement actions based on severity and frequency of violations.
9. Account Suspension & Reinstatement
9.1 Temporary Account Restrictions for Payment Issues
EdFali may impose temporary restrictions on a user’s account if payment-related issues arise, including:
✅ Common Reasons for Temporary Restrictions:
• Repeated failed payment attempts due to insufficient funds or expired payment methods.
• High dispute or chargeback rates, indicating potential fraudulent activity.
• Unverified identity or payment details, requiring additional verification.
• Delayed seller payouts due to suspicious transaction patterns.
🚨 Consequences of Temporary Restrictions:
• Limited access to payouts until the issue is resolved.
• Restriction on listing new products or accepting new orders.
• Temporary suspension from making purchases if repeated failed payments occur.
• Mandatory KYC verification before account reinstatement.
✅ How to Resolve Temporary Restrictions:
• Buyers must update their payment method or resolve outstanding issues with their bank.
• Sellers must provide additional documentation (e.g., proof of delivery, invoices) for disputed transactions.
• Users must comply with EdFali’s security verification to regain full access.
Temporary restrictions may be lifted within 90 business days once the issue is resolved.
9.2 Permanent Account Suspension for Violations
EdFali enforces permanent account suspension in cases of severe policy violations or repeated misconduct.
🚨 Reasons for Permanent Account Suspension:
• Engaging in fraudulent transactions (e.g., fake orders, stolen payment methods).
• Attempting off-platform payments to bypass EdFali’s payment system.
• Excessive chargebacks or refund abuse leading to financial loss for sellers.
• Multiple unpaid orders indicating unreliable buying behavior.
• Providing false identity or financial details during registration or verification.
• Engaging in money laundering or other financial crimes.
• Repeated violations of EdFali’s Payment Policy, despite previous warnings.
⚠ Effects of Permanent Suspension:
• Loss of all pending payouts, which may be held for 30 days for dispute resolution.
• Inability to create a new account or register under a different identity.
• Legal action may be taken in cases involving fraud or financial crimes.
📌 Sellers with permanently suspended accounts must withdraw their remaining balance (if applicable) before final closure.
9.3 Appeal & Reinstatement Process
Users who believe their account was wrongfully restricted or suspended can submit an appeal to EdFali’s compliance team.
✅ How to Submit an Appeal:
1️⃣ File an appeal request within 7 days of receiving a suspension notice.
2️⃣ Provide supporting evidence (e.g., proof of legitimate transactions, resolved disputes).
3️⃣ The compliance team will review the case within 7 business days.
4️⃣ A final decision will be communicated via email or dashboard notification.
🚨 Appeal Denial & Next Steps:
• If the appeal is denied, the suspension is final, and the user is permanently banned.
• If the appeal is approved, the account may be reinstated with certain restrictions or probationary monitoring.
📌 Users who engage in repeated violations or fraudulent activity may not be eligible for reinstatement.
EdFali reserves the right to modify or extend suspensions based on security concerns and platform integrity.
10. Contact & Support
10.1 Payment Support Channels
EdFali provides dedicated support channels to assist users with payment-related inquiries, disputes, and technical issues. Sellers and buyers can reach out to the EdFali Payment Support Team through the following methods:
✅ Available Support Channels:
• Email Support: 📩 support@edfali.com (General inquiries)
• Live Chat: Available through the EdFali platform (Business hours: Monday – Friday, 9:00 AM – 6:00 PM HKT)
• Help Center: A self-service portal with FAQs and troubleshooting guides
🚨 Response Time Expectations:
• Standard inquiries: 24-48 hours
• Dispute resolution cases: 5-7 business days
• Urgent fraud-related reports: Immediate priority handling
10.2 Reporting Payment Issues & Fraud
To maintain a secure marketplace, EdFali encourages users to report any payment disputes, unauthorized transactions, or suspected fraud immediately.
✅ Types of Payment Issues to Report:
• Failed or delayed payments not reflected in the seller’s balance.
• Unrecognized transactions or unauthorized charges.
• Chargeback abuse or fraudulent refund requests.
• Suspicious activity related to buyer or seller accounts.
🚨 How to Report a Payment Issue:
1️⃣ Log in to your EdFali account and navigate to the Help Center.
2️⃣ Select “Report an Issue” and choose the relevant payment category.
3️⃣ Provide transaction details, screenshots, or supporting evidence.
4️⃣ Submit the report for review and investigation.
🔍 EdFali’s Compliance Team will investigate and provide an update within 7 business days based on the severity of the issue.
10.3 Governing Law & Jurisdiction
This Payment Policy is governed by the laws of Hong Kong Special Administrative Region (HKSAR), where EdFali is legally registered.
✅ Legal Compliance & Jurisdiction:
• All disputes or claims related to payments, transactions, and financial services on EdFali shall be resolved under Hong Kong law.
• Users agree that any legal disputes must be settled through arbitration at the Hong Kong International Arbitration Centre (HKIAC).
• Sellers operating outside Hong Kong must comply with their local financial regulations but remain bound by EdFali’s platform policies.
🚨 Exception Cases:
• If local laws in a seller’s country conflict with EdFali’s policies, the seller must cease using EdFali’s payment services to avoid compliance violations.
• EdFali reserves the right to modify jurisdictional rules in accordance with regulatory updates or platform expansions.
📌 By continuing to use EdFali, all users acknowledge and accept these legal terms.