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When there is an issue with the product or service purchased or when you did not receive it, you can open a dispute via KUARIO within 7 days. KUARIO is not responsible for the delivery of products and services paid for through our payment service. However, when you open a dispute we will notify the merchant and ask for a quick resolution. This may be a (partial) refund of the transaction. If the merchant does not respond within 14 days, we will automatically issue a refund. The 14-day auto-refund policy will be valid from 1 August 2022.