We do not tolerate credit card fraud, and all fraud, without exception, will be prosecuted through criminal proceedings in your local jurisdiction to the fullest extent of the law. In addition, we will pursue civil legal action in your local jurisdiction seeking any loss of income related to the fraud, including business, legal fees, research costs, employee down time and loss of revenues. We employ advanced risk modelling to detect fraudulent transaction clues across our Services. Fraudulent transactions are immediately cancelled after being detected. Any active Orders associated with the same fraudulent credit card will also be cancelled immediately. We also actively leverage external, cross-industry resources –such as worldwide fraud blacklists –to prevent fraudulent users from accessing our service in the first place. We consider credit card charge backs to be fraudulent if you make no reasonable effort to work with us to resolve any problems with your subscription. All frivolous chargebacks not only cost our employees time away from our usual and customary matters of conducting normal business, but also cost us money, therefore when we detect questionable activity related to a subscription purchase that is being made, we will mark the purchase with a “customer review in progress” status and perform fraud detection procedures on the purchase to reduce our exposure to risk; during this time, you will not be able to access your Account. In general, we complete reviews within few hours; certain purchases posing a higher potential risk may require more time, however, as our Compliance Department performs even more extensive fraud detection checks. We may also contact you directly as a backup precaution. If we determine that a purchase is high-risk or doesn’t comply with our Compliance and risk Policies, the purchase will immediately be cancelled and the funds will immediately be refunded to the credit card from which the purchase was initially made. Furthermore, in such instances, we reserve the right, at our sole discretion, to close any and all of your Account(s) with us immediately. Any active Orders associated with the same fraudulent credit card and/or Account will also be cancelled immediately. In addition, we will attempt to recover fraudulently disputed charges plus additional costs via a third-party collection agency and your account will be reported to all credit bureaus as a delinquent collection account. In the event that a chargeback is placed or threatened on a purchase, we also reserve the right to report the incident for inclusion in chargeback abuser database(s) of our choosing and in our sole discretion. The information reported will include name, email address, order date, order amount, IP address and the full address. Being listed on such databases may make it more difficult for you to use (any of) your credit card(s) on future purchases with us or other merchants.