From time to time, problems may arise with a product or service you purchase such as:
A product was not delivered or service was not rendered, or
The product or service is different than expected, or
A product is defective, or
A product was returned, and you have not received a response from the merchant or credit to your account
Under the terms of our agreement, you are required to work directly with the merchant to resolve such claims and we are not responsible for and do not have any liability for any goods or services purchased where the problem does not constitute an error. However, if you have been unable to resolve the issue with the merchant, we will provide a limited service whereby we will attempt to work with the merchant on your behalf in an effort to resolve the problem. We will advise you of the results of our effort; however, we will not provisionally credit your account during the time we are working with the merchant. If it is determined that a correction is due to your account, we will process a correction to your account.