This Refunds, Disputes & Chargeback Policy (“Policy”) applies to all users of the OwnRyde Platform (“Platform”), including Riders and Drivers (“Users,” “you,” or “your”).

OwnRyde, Inc. (“OwnRyde,” “we,” “us,” or “our”) operates a technology platform that connects Riders with independent Drivers.

Payments made through the Platform are processed through third-party payment providers such as Stripe or similar payment processors.

1. General Payment Policy

Payments processed through the Platform may include:

• Ride fares
• Platform or booking fees
• Tolls
• Cancellation fees
• Waiting time adjustments
• Damage-related charges where applicable
• Other authorized charges related to Platform activity

Refunds, disputes, and payment adjustments are reviewed in accordance with:

• Platform policies
• Payment processor requirements
• Fraud prevention procedures
• Applicable laws and regulations

2. Fare Estimates & Final Charges

Fare estimates shown before booking are estimates only and may change based on:

• Route changes
• Traffic conditions
• Waiting time
• Tolls
• Pickup or destination modifications
• Ride duration
• Marketplace or operational conditions

Final charges may differ from original estimates where permitted by applicable law.

3. Rider Refund Requests

Riders may request review of charges in limited situations including:

• Incorrect fare calculations
• Duplicate charges
• Technical processing errors
• Unauthorized charges
• Significant service-related concerns
• Documented policy violations

Refund requests should be submitted through available support channels within a reasonable time after the ride or transaction.

Refund eligibility is determined at OwnRyde’s discretion, subject to applicable laws and payment processor requirements.

4. No Automatic Refunds

Refunds are not automatically provided for:

• Completed rides
• Traffic delays
• Route preferences
• Driver availability limitations
• Marketplace conditions
• Rider cancellations outside eligible windows
• Dissatisfaction unrelated to policy violations
• Circumstances outside Platform control

Transportation services are independently provided by Drivers.

5. Driver Earnings Adjustments

Drivers acknowledge that approved:

• Refunds
• Payment reversals
• Charge corrections
• Fraud investigations
• Dispute resolutions

may result in:

• Earnings adjustments
• Temporary payout holds
• Reversals of associated earnings where applicable

OwnRyde reserves the right to temporarily delay or review payouts during active investigations or fraud reviews.

6. Chargebacks & Payment Disputes

Users agree to first attempt to resolve payment concerns through Platform support before initiating external chargebacks where reasonably possible.

Initiating chargebacks or payment disputes through financial institutions may result in:

• Temporary account restrictions
• Investigation of account activity
• Delayed payouts
• Suspension or termination for fraudulent or abusive activity

OwnRyde reserves the right to dispute fraudulent or abusive chargebacks with financial institutions or payment processors.

7. Fraud Prevention

OwnRyde may investigate:

• Suspicious payment activity
• Repeated refund requests
• Chargeback abuse
• Unauthorized transactions
• Fraudulent account activity
• Payment manipulation attempts

OwnRyde may:

• Restrict Platform access
• Suspend accounts
• Delay payouts
• Require additional verification
• Report suspected fraud where appropriate

8. Processing Times

Approved refunds or reversals are processed through third-party payment providers and financial institutions.

Processing times may vary depending on:

• Banks
• Card issuers
• Payment processors
• Financial institutions

OwnRyde is not responsible for delays caused by third-party payment providers or financial institutions.

9. Platform Fees

Platform fees, booking fees, subscription fees, or similar charges may be non-refundable except:

• Where required by law
• Where otherwise determined by OwnRyde
• In cases involving technical or billing errors

10. Limitation of Liability

To the fullest extent permitted by law, OwnRyde shall not be liable for:

• Bank processing delays
• Payment processor outages or errors
• Chargeback penalties
• Financial institution actions
• Fraudulent transactions
• Payment disputes between Users
• Transportation-related losses
• Indirect or consequential damages

11. Policy Updates

OwnRyde may modify this Policy at any time.

Continued use of the Platform after updates constitutes acceptance of revised policies.

Contact Information

Support: support@ownryde.com

OwnRyde, Inc.
11825 SW Greenburg Rd, Suite 106
Tigard, Oregon 97223
United States

Acceptance

By using the Platform, you acknowledge that you have read and understood this Refunds, Disputes & Chargeback Policy and agree to the payment review and dispute procedures described herein.