KobiCare Dispute Resolution & Chargeback Policy
Effective Date: March 30, 2026
Owned & Operated by Protreon Inc.
KobiCare is committed to maintaining a safe, fair, and trustworthy platform for families and caregivers. This policy outlines how disputes, claims, and payment chargebacks are handled.
1. Platform Role
KobiCare is a technology platform that connects clients with independent caregivers.
- KobiCare does not directly provide caregiving services
- All services are performed by independent caregivers
- KobiCare acts as a facilitator and mediator only
2. Encouraged Resolution Between Users
Users agree to first attempt to resolve disputes by:
- Communicating through KobiCare messaging
- Allowing reasonable time for response
Most disputes (missed expectations, minor issues) can be resolved without escalation.
3. How to File a Dispute
If resolution fails, users may submit a dispute by contacting:
Include:
- Booking ID / details
- Description of the issue
- Evidence (messages, photos, timestamps, receipts)
Deadline: Disputes must be submitted within 7 days of the service date unless exceptional circumstances apply.
4. Investigation Process
KobiCare will:
- Review platform messages and booking data
- Evaluate evidence from both parties
- Request additional documentation if needed
KobiCare reserves the right to determine the outcome at its sole discretion.
5. Resolution Outcomes
Depending on the situation, KobiCare may:
- Issue platform credits (preferred resolution)
- Adjust or cancel bookings
- Provide partial compensation (case-by-case)
- Deny claims due to lack of evidence
- Suspend or remove accounts violating policies
⚠️ Cash refunds are not guaranteed
6. KobiCare Protect (Platform Guarantee)
Eligible bookings may qualify for KobiCare Protect, which may include:
- Limited reimbursement for verified issues
- Booking support and intervention
Coverage is subject to terms, eligibility, and verification.
7. Strict Chargeback Policy (VERY IMPORTANT)
By using KobiCare, users agree to the following:
- You must contact KobiCare first before initiating a chargeback
- Filing a chargeback without attempting resolution is considered a policy violation
If a chargeback is filed:
KobiCare reserves the right to:
- Immediately suspend or terminate your account
- Permanently ban future use of the platform
- Dispute the chargeback with full evidence, including:
- IP address logs
- Booking confirmations
- Message history
- Service completion records
If the chargeback is ruled in KobiCare’s favor:
- You may be liable for the full amount plus fees
8. Fraud & Abuse Protection
The following actions are strictly prohibited:
- False claims or fabricated disputes
- Attempting to receive services and reverse payment
- Misrepresentation of services or issues
Violations may result in:
- Account termination
- Financial liability
- Legal action if necessary
9. Limitation of Liability
To the maximum extent permitted by law:
- KobiCare is not liable for:
- Actions of caregivers or clients
- Service quality disputes
- Injuries, damages, or losses
Users engage with each other at their own risk
10. Arbitration Agreement
Any unresolved disputes shall be handled by:
- Binding arbitration (not court litigation)
- No class actions permitted
- Governing law: State of Florida
11. Final Authority
KobiCare reserves the right to:
- Make the final determination on all disputes
- Refuse claims that do not meet policy requirements
- Update this policy at any time
