Crew Tips Refund and Dispute Policy

1Scope and related terms

Crew Tips facilitates voluntary gratuities associated with legitimate yacht services. This Policy supplements the YBOATS Terms of Use, the YBOATS Crew Tips Terms of Service for the United States, and the Privacy Policy. If this Policy conflicts with the Crew Tips Terms on a Crew Tips payment matter, the Crew Tips Terms control, subject to rights that cannot be waived by contract.

A payer may contact the card issuer or payment provider about a charge independently of contacting YBOATS. Nothing here limits nonwaivable rights or requires the payer to contact YBOATS before exercising those rights.

2How to request help or a refund

Email support@yboatsmanagement.com with the payment date, amount, receipt or pool reference, email used at checkout, and a brief explanation. Do not email a full card number, bank credentials, government ID, or other sensitive information. We may ask for additional details through a secure channel to verify the request and prevent unauthorized changes.

We review reports of duplicate payments, incorrect amounts, unauthorized charges, technical errors, and other circumstances reasonably requiring a refund. A change of mind about a voluntary tip does not automatically entitle a payer to a refund, but we will consider the request and any applicable legal right. We may pause undisbursed funds while reviewing a credible issue.

3Payments not yet completed

If a payment was not completed or was canceled before completion, no Crew Tips distribution should occur for that payment. A pending authorization may still appear temporarily on a payer statement; its release is controlled by the card issuer and payment network. If Stripe confirms a successful charge, we handle it under the refund process below.

4Refunds before crew transfers

If no related crew transfer has been initiated, an approved full or partial refund may be processed through Stripe to the original payment method, subject to Stripe capabilities and applicable law. We will identify and suspend the affected distribution while the refund is processed and reconcile the remaining pool amount and crew allocations.

Stripe may not return its original processing fees and may assess other applicable charges. YBOATS will account for those costs separately under its provider agreement and applicable law; they are not an automatic deduction from a payer refund. Any partial refund, fee treatment, or adjustment to crew shares must be shown accurately in the transaction record.

5Refunds after crew transfers

Once any crew transfer has been initiated, an approved refund may require separate recovery or reversal of related transfers. Refunding the original payment does not automatically reverse a Stripe Connect transfer. A connected account may lack sufficient funds for a reversal, or a payout to its bank may already have occurred. We will review available Stripe options and applicable legal obligations case by case.

We do not promise that every post-transfer refund can be completed immediately or that transferred funds can always be recovered. If a refund is required by law or an applicable payment rule, YBOATS will handle that obligation regardless of whether recovery from a recipient succeeds. We may use lawful transfer reversals or other recovery methods when permitted by Stripe agreements and applicable law. We will not automatically shift one recipient's loss to another recipient.

6Disputes and chargebacks

A payer can dispute a card charge with the issuing bank. The issuer and payment network determine the dispute process, evidence deadlines, and outcome. Stripe may temporarily debit the payment amount and assess dispute fees from the YBOATS platform balance. We may submit relevant transaction, consent, receipt, and distribution records to Stripe or the issuer as permitted by law and our Privacy Policy.

If a dispute is opened, we may pause related undisbursed transfers during review and correct records after the outcome. If transfers already occurred, we may seek permitted reversals or recovery. A dispute does not itself prove fraud by a payer or recipient. To avoid duplicate credits, a refund request and an active dispute for the same charge must be coordinated through the payment provider.

7Timing and confirmation

We will acknowledge a request and communicate its outcome using the contact information available for the transaction. Review time varies with the information needed, Stripe status, recipient transfers, bank or card network processes, and the nature of the issue. If we issue a refund, the credit may take additional time to appear on the original payment method according to the issuer or payment provider.

We will provide an updated receipt or transaction record where appropriate, identifying the amount refunded and the status of related distributions. Historical transfer events remain in the audit record even if a later refund, reversal, or dispute adjustment occurs.

8Recipient and pool administrator responsibilities

Pool administrators must provide accurate crew and allocation information and promptly report an incorrect, duplicate, or suspicious payment or distribution. Crew recipients must maintain accurate Stripe Connected Account details and cooperate with reasonable inquiries about an affected transfer. An unready recipient's share remains pending; it is not automatically reassigned or automatically refunded solely because that recipient has not completed onboarding.

YBOATS may hold or investigate an affected share and seek a lawful resolution under the Crew Tips Terms, Stripe requirements, and applicable law. Tax or employment adjustments arising from a refund or reversal are the responsibility of the relevant parties, subject to any reporting obligations that apply to YBOATS or Stripe.

9Records and privacy

We retain payment identifiers, gross amount, fees, refund and dispute status, consent records, allocation instructions, transfer and reversal identifiers, support correspondence, and other records as reasonably necessary for payment operations, accounting, fraud prevention, legal compliance, and dispute resolution. Our Privacy Policy describes how information is handled and how to submit a privacy request.

10Changes and contact

We may update this Policy by posting a new version and effective date, with additional notice where required. A policy change does not remove rights that already apply to a completed transaction.