Refunds

Lemon Squeezy is the merchant of record and decides refunds under its own terms; Chase Fluent submits the request and reconciles the outcome. Duplicate charges, fraud and technical non-delivery always get a human response. No refund window is stated here because it has not been reviewed by a lawyer, and this draft does not say refunds are unavailable. Where mandatory consumer law grants more than this draft, the law applies. Pending legal review.