Seller Payout Protection Policy

Funds from each order become eligible for payout 5 calendar days after the order is confirmed as successfully delivered (carrier "Delivered" status or Buyer confirmation, whichever is earlier).

Eligible funds are released to the Seller's verified payout account on the next scheduled payout run (typically weekly). New Sellers, high-risk categories, and high-value orders may be subject to longer initial holds (up to 21 days after delivery) until an account-health baseline is established.

All Buyer payments are collected by FERKA$ (or its licensed payment partner) and held in a segregated escrow arrangement until they become eligible for payout.

During the buyer-protection period, funds remain protected and are not the property of the Seller; the Seller has a contingent right to receive net proceeds only after all applicable holds, refunds, chargebacks, fees, and disputes are resolved.

FERKA$ may delay, hold, reverse, deduct, offset against future payouts, or recover funds already paid out where any of the following occurs or is reasonably suspected:

• Item Not Received — the Buyer reports non-delivery and the Seller cannot produce valid delivery evidence.

• Item significantly Not As Described (INAD) — the item materially differs from the listing.

• Wrong item delivered — the Seller shipped a different product from the one ordered.

• Damaged item received — the item arrived broken, defective, or unusable.

• Fraudulent transaction suspected — including stolen-card use, account takeover, triangulation fraud, or collusion.

• Seller violates marketplace rules — including counterfeit sales, prohibited items, off-platform transactions, review manipulation, or KYC/AML issues.

• Chargeback, dispute, or payment-scheme reversal is opened by the Buyer's bank or card network.

• Sanctions, legal, tax, or regulatory action requires funds to be held.

FERKA$ may apply a rolling reserve (typically 5–15% of the Seller's 30-day gross sales) to cover expected refunds and chargebacks. Reserves are released as risk exposure declines.

If a Seller's balance is insufficient to cover a refund, chargeback, or fee, FERKA$ may (a) deduct the amount from future sales; (b) charge the Seller's registered payment instrument on file; (c) invoice the Seller with payment due within 14 days; and/or (d) instruct a collections agency and report unpaid balances to credit bureaus.

Following termination of the Seller Agreement, FERKA$ may retain funds for up to 180 days to cover potential refunds, chargebacks, disputes, fines, and losses.

Where operationally practicable, FERKA$ will notify the Seller before applying a hold or reversal and give the Seller an opportunity to respond. Where the risk is urgent (fraud, safety, legal), holds may be applied first and reviewed on appeal.

Sellers may appeal a hold or reversal within 30 days by submitting evidence to support@ferkasglobal.store. Appeal decisions are made by a senior risk officer and are final for the internal process.

Payouts are made in the currency of the Seller's payout account. Currency conversion, cross-border transfer fees, and payment-provider fees are borne by the Seller and displayed on the payout statement.