Payment and Refund Policy
Effective Date: November 1st 2025
1. Overview
This Payment and Refund Policy (“Policy”) regulates all payment, transaction, and refund activities performed through the xQuantum platform (“Platform”) and its associated services. By using the Platform, users (“Users,” “Customers”) agree to all terms stated herein regarding payment handling, refund requests, transaction security, and related procedures.
xQuantum operates as a fintech technology provider, not as a financial custodian, exchange, or broker-dealer. All payments and deposits on the Platform are processed through licensed third-party payment partners that comply with applicable laws and global payment security standards.
2. Payment Security Commitment
xQuantum is committed to maintaining the highest standards of security when processing all transactions.
All payment systems integrated with xQuantum are operated by vetted, legally licensed payment partners and digital wallet providers.
Customers' financial data is protected using encryption protocols and blockchain-based security standards throughout each transaction.
xQuantum complies with international information security standards applicable in the financial and cryptocurrency sectors.
The system only retains transaction-related metadata — such as order codes or transaction references — and does not store customer wallet details, private keys, or cryptocurrency credentials.
Payment data is processed solely within secure environments provided by xQuantum’s certified payment partners.
3. Accepted Payment Methods
xQuantum supports payments made via cryptocurrency and other authorized digital payment channels through officially licensed partners.
Cryptocurrency Payments
Supported Token: Tether (USDT)
Supported Networks: USDT.TRC20 and USDT.BEP20
Each transaction will generate a unique wallet address or QR code for the User.
Users must ensure their wallet and network type match the payment protocol used.
Upon payment confirmation on the blockchain, xQuantum will issue a transactional confirmation notification through the registered email or Platform account.
4. Refund Eligibility
All refund claims must meet the following criteria:
System Error: If an internal technical error from xQuantum or its partners results in a failed or duplicated transaction.
Undelivered Service: If payment was successful but the subscription or service package was not activated, or some purchased functionalities were not received.
Incorrect Product Delivery: Delivery of a service or feature that substantially differs from its official description.
Company-Approved Exception: Any refund authorized in writing by xQuantum following internal verification.
Refunds will not be granted under the following conditions:
Refund requests for successfully delivered or fully utilized digital services.
Customer error (e.g., wrong transfer address, wrong network selection, incorrect amount).
Refund requests after 7 business days following payment date.
Partial use of digital services amounting to more than 30% of product validity period.
Intentional or fraudulent refund claims.
Cases where cryptocurrency transactions are confirmed on-chain and irreversible by design.
5. Refund Request Procedure
To initiate a refund, Customers must follow the procedure below:
Submit Request: Send an email to [email protected] with subject line “Refund Request.” Include:
Full name and registered account email
Transaction ID / Order number
Payment network and wallet address used
Detailed reason for refund
Verification: The Customer Support team will contact the User to verify submitted information and assess eligibility according to this Policy.
Resolution:
If approved, refund will be processed to the same payment method or wallet address originally used.
If declined, documentation and reasoning will be provided to the Customer.
Timeline: Verified refunds will typically be processed within 3–5 business days, excluding weekends and public holidays. Blockchain network congestion may extend completion time.
6. Chargebacks, Unauthorized Payments, and Refund Channels
Cryptocurrency transactions recorded on a blockchain are irreversible by design. Therefore, once a payment has been validated on-chain, traditional banking “chargeback” processes do not apply.
In the event of a suspected unauthorized transaction, Users must contact [email protected] immediately. xQuantum will coordinate with its payment partners to review the transaction and determine recoverability on a best-effort basis.
xQuantum supports refunds via the original method of payment whenever possible, subject to technical and regulatory constraints.
Crypto refunds: When refunds are processed in crypto, the refund will be sent to a verified wallet address provided by the User. Network fees may apply.
Bank refunds (fiat): If local regulations or practical considerations make crypto refunds infeasible, refunds may be issued to a verified bank account registered under the same User name and identification details. Users must provide full bank information, including IBAN, SWIFT (or equivalent), account number, and bank name.
Hybrid refunds: In cases where Users made mixed payments (for example, partial fiat and partial crypto), refunds may be processed proportionally in those respective forms.
Before processing a refund request to a bank or non-crypto account, xQuantum may require identity verification (KYC) to comply with anti-money laundering (AML) standards and ensure fund security.
Please note that xQuantum cannot reissue refunds to third-party accounts, anonymous wallets, or accounts not belonging to the verified purchaser.
Refunds processed via fiat channels (e.g., wire transfer or card credit) may take up to 5–10 business days depending on the receiving institution’s processing time.
7. Exchange Rates, Currencies, and Payment Fees
Cryptocurrency values are highly volatile, and xQuantum calculates the transaction amount using the prevailing market exchange rate at the time the payment session is initiated.
For refunds:
The crypto-denominated refund amount is based on the transaction value equivalent in USD or stablecoin at the time of refund initiation, unless otherwise specified.
For bank refunds, the refund will be calculated in fiat currency equivalent to the original payment amount in USD, EUR, or another supported currency, net of any applicable transfer or conversion fees.
Any network, gas, or interbank processing fees are non-refundable and will be deducted from the refund amount.
In hybrid payments, where different methods were used (e.g., partial crypto, partial credit/debit card), xQuantum will refund each portion through its respective medium, following the same valuation principles.
xQuantum bears no responsibility for currency fluctuations, foreign exchange rate changes, or price differences between payment and refund execution times.
8. Disclaimer of Responsibility
xQuantum accepts no liability for:
Losses due to User error (e.g., incorrect address, wrong network selection, gas fee miscalculation).
Any fluctuation in token value during or after the transaction.
Delays, losses, or errors caused by blockchain performance, external wallet providers, or payment gateways.
Unauthorized or malicious third-party access to User wallets.
All trading, payment, and refund decisions are made at the Customer’s sole discretion and risk.
9. Contact Information
For inquiries or disputes regarding payments and refunds:
xQuantum Customer Support Email: [email protected] Address: STOCKMAP JSC Operating Hours: Monday–Friday, 9:00 AM–6:00 PM
By completing a payment or transaction through xQuantum, you acknowledge that you have read, understood, and agreed to this Payment and Refund Policy.
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