Refund & Concurrent Claim Policy

1. Fulfilled Placements

Because leaderboard placement takes immediate effect upon payment verification—even if another participant outbids you seconds later—validly awarded placements are not eligible for remorse refunds except where mandatory consumer protection laws apply.

2. Simultaneous Checkouts (`outbid_before_confirmation`)

If two users begin checkout simultaneously and a higher claim confirms first, the lower claim is marked outbid_before_confirmation and does not displace rank #1. Before live payments are unlocked, the business owner and legal counsel must explicitly select and approve one legally compliant resolution method:

• Payment authorization with capture executed solely after atomic eligibility confirmation (where supported by the approved provider); or
• Immediate automated refund initiated through the payment provider when a paid claim cannot be awarded #1; or
• A short-lived pre-checkout reservation lock with clear expiration disclosures.