All xchatx memberships are sold on a non-refundable basis. By completing payment you acknowledge and accept this policy in full. No refunds, partial refunds, prorated credits, or service credits will be issued under any circumstance — including but not limited to: voluntary account closure, account suspension or ban for any reason, service interruption, downtime, platform discontinuation, or dissatisfaction with content posted by other members. If you do not accept this policy, do not complete payment.