Last Updated: April 9, 2026

This Buyer Protection Policy governs eligible purchases made on List99 (the “Platform”). This Policy is incorporated into and governed by the List99 Terms of Service.

1. General Principles

List99 provides a dispute framework intended to promote trust and fair treatment. List99 is not a party to transactions and does not guarantee any transaction outcome, but may facilitate or decide certain disputes under this Policy.

2. Eligibility for Buyer Protection

A transaction may be eligible if payment was completed through the Platform using an approved payment method and the buyer complied with all applicable requirements and timeframes.

Buyer Protection may apply when:

• The item was not received
• The item was materially different from the listing
• The item was defective, damaged, incomplete, or the wrong item
• The seller failed to honor a stated return policy
• The buyer was charged more than authorized

3. Exclusions

Buyer Protection may not apply to transactions completed off-platform, prohibited items, certain digital or intangible items, services, subscriptions, cash equivalents, duplicate claims, external chargebacks, or cases involving fraud or abuse.

4. Buyer Responsibilities

• Review listings carefully
• Use the Platform’s payment system
• Provide accurate shipping information
• Attempt to contact the seller first where directed by the Platform
• Submit timely, accurate, and complete evidence

5. Reporting an Issue

Buyers should first use the Platform’s resolution tools to contact the seller and attempt to resolve the problem. If unresolved, the buyer may escalate the issue through the Platform within the applicable window.

6. Claim Types

6.1 Item Not Received

Claims may be filed if the item was not delivered by the expected delivery date and delivery cannot be substantiated.

6.2 Item Not as Described

Claims may be filed for incorrect items, missing parts, undisclosed defects, incorrect condition, or material deviations from the listing.

6.3 Return and Refund Issues

Claims may be filed if the seller fails to honor a return policy or fails to provide an agreed refund.

6.4 Unauthorized or Incorrect Charges

Claims may be filed if the buyer was charged more than authorized through the Platform.

7. Evidence and Claim Requirements

List99 may require order details, communications, photos, return tracking, delivery evidence, expert statements, or any other information reasonably requested. Failure to provide requested information may result in denial.

8. Return Requirements

If a return is required, the item must be returned in the same condition received, with all included parts and accessories, using the return method or instructions specified by the seller or List99 where applicable. Tracking may be required.

9. Timeframes

Claims, escalations, and returns must be completed within the timelines designated by the Platform, the listing, or the relevant transaction flow. List99 may extend or shorten timeframes in its discretion based on the transaction type, risk, or circumstances.

10. Resolution Process

List99 may review messages, listing content, account history, delivery evidence, fraud indicators, and other materials. List99 may issue a full refund, partial refund, replacement-related relief, deny the claim, or require return of the item. In some cases, List99 may refund without requiring a return.

11. Refunds

Refunds may be sent to the original payment method or another method selected by List99 or the payment processor where necessary. Refund timing may vary by processor or financial institution.

12. Seller Responsibility and Recovery

If a claim is decided in the buyer’s favor, seller funds may be held, reversed, offset, invoiced, or otherwise recovered by List99 to cover the refund and associated liabilities.

13. Payment Holds

List99 may place holds on funds associated with a disputed transaction and may delay payouts during investigation or recovery efforts.

14. Loss of Protection

Buyer Protection may be denied or withdrawn if the buyer provides false information, fails to cooperate, opens duplicate claims, abuses the system, returns a different item, damages an item, or violates Platform policies.

15. Fraud and Abuse

Fraudulent or abusive conduct may result in denial of claims, account restrictions, withholding of funds, suspension from protection programs, or legal action.

16. Final Decisions

Except where otherwise required by law, all decisions by List99 are final, binding, and non-appealable. List99 is not required to provide detailed explanations for decisions.

17. Modifications

List99 may modify this Policy at any time. Continued use constitutes acceptance of the revised Policy.