Payments, Refunds & Settlement — Pilot

P203 Refund & Cancellation Policy · 退款与取消政策

1. Purpose and Principles · 目的与原则

This policy defines what happens to money when an activity is cancelled, changed, missed, or disputed. Principles: commitments matter; life happens; outcomes should be computed by recorded rule, not negotiated ad hoc; the timing of your cancellation — not your reason — is the primary driver of the refund amount (Schedule A); reasons matter only for the exceptions in §5–§6.

中文概要:定义取消/变更/未到场/争议时钱怎么处理。原则:承诺重要、现实多变、结果按已记录的规则计算而非临场协商;退多少主要看取消时点(Schedule A),理由只影响 §5–§6 的例外。

2. How Refunds Physically Work in This Pilot · 当前 Pilot 的退款机制

Refunds depend on the Owner-gated payment path actually used for the activity. In this pilot, there is no in-product automated refund button, wallet credit, or cash-out surface. Key facts:

• The platform does not provide a user wallet, stored balance, escrow account, or self-service cash-out surface in this build.
• The platform service fee portion: when the refund is Host-fault (Host cancel, Host no-show, material misdescription), the platform fee is refunded to you too — you are made 100% whole. When the refund is participant-initiated under Schedule A, the platform fee is refunded whenever the participant receives the full activity price back.
• Refunds go only to the original payment method — never to platform credit, points, or wallet balance (no such balances exist).
• Processing time depends on the payment provider path actually used; card networks typically post refunds in 5–10 business days after a refund is initiated.

中文概要:退款取决于该活动实际使用的 Owner 门控支付路径。当前 pilot 没有产品内自动退款按钮、钱包余额或提现入口；退款只回原支付方式，不转为积分/余额；到账时间取决于实际支付服务商路径，通常在退款发起后 5–10 个工作日由卡组织入账。

3. Schedule A — Cancellation Window Refund Table · 取消窗口退款表(唯一权威表)

All windows measured to the activity's scheduled start time. All numbers are owner-settable policy; values below are proposals.

Where a pool needs different windows (e.g., stays may need longer notice than rides), the Host's listing may select a stricter or looser published variant only from owner-approved presets the same table applies to CarPool, StayPool, EatPool and CoachPool unless a pool-specific table is published, always displayed at checkout.

中文概要:退款按距开始时间的取消时点分档(A1–A9);主办取消或爽约一律全退且退平台费、释放押金;参与者被确认爽约不退且押金按披露条款扣;各池可用车主批准的预设变体,并且必须在结账页展示。全部数字见 Schedule A。

4. Cancellation Types · 取消类型

Participant cancellation: in-app, timestamped by the runtime — the recorded timestamp, not the message thread, decides the Schedule A row. Host cancellation: allowed for real cause (safety, resource loss, force majeure) but always triggers row A5 economics; repeated host cancellations affect host standing (§11). Platform cancellation: the platform may cancel a listing for policy/safety violations; participants receive row A5 treatment.

中文概要:参与者取消以应用内记录的时间戳为准;主办可因正当原因取消但经济后果一律按 A5(全退);平台因违规/安全下架的,参与者按 A5 处理;主办反复取消影响其信誉状态。

5. Exceptions That Override Schedule A · 覆盖 Schedule A 的例外

• Safety withdrawal: a participant who withdraws for a genuine, articulable safety concern (unsafe vehicle, intoxicated driver, threatening conduct) may file within 48 hours; if upheld on review → row A7.
• Material misdescription: activity materially different from the listing (wrong vehicle/premises, undisclosed conditions) → row A7 if upheld.
• Force majeure: government order, severe weather warnings, natural disaster, venue closure → row A8. Neither party is penalized; deposit holds are released.
• Emergencies: documented medical/family emergency may be granted a full refund refund at review discretion — logged as an explicit exception, never a silent override.

中文概要:四类例外可覆盖时间表:安全撤出(经审查成立)、严重与描述不符、不可抗力、有凭证的紧急情况;例外必须留痕,不允许无记录的暗调。

6. No-Show · 未到场

A no-show = confirmed participation + failure to appear within 15 minutes for rides, 30 minutes for meals and coaching, and the stated check-in day for stays + no reasonable communication.

Never automatic. The following are not no-shows: advance cancellation (any Schedule A row), reasonable delay communicated in-flow, emergency, safety withdrawal, organizer-side changes, system/recording error. A no-show outcome (row A4, deposit capture) is applied only after the review path in P208, with both sides able to submit evidence (check-in records, messages, statements). Repeated no-shows are reviewed as a pattern and may affect participation privileges — reputation and refunds remain separate systems: neither automatically determines the other.

中文概要:爽约=已确认+超过宽限期拼车 15 分钟 / 拼饭与教练 30 分钟 / 住宿为约定入住日未出现+无合理沟通;绝不自动认定——提前取消、已沟通的合理迟到、紧急情况、安全撤出、主办变更、系统错误都不算;A4 后果(不退款+扣押金)必须先走 P208 审查;重复爽约按行为模式审查;退款与信誉互不自动决定。

7. Deposits · 押金

Deposit economics follow the deposit's own lifecycle in P204 §5 (authorization hold → release or capture). Schedule A's last column states the only capture triggers: confirmed no-show (A4) and late cancellation where the listing disclosed deposit forfeiture (A3). Everything else releases the hold. A deposit is never revenue, never a fee, never a penalty by default.

中文概要:押金机制见 P204 §5(授权预留→释放或扣款);只有两种扣款触发:审查确认的爽约(A4)与披露过押金没收的临期取消(A3);其余一律释放;押金默认不是收入、费用或处罚。

8. Group Consumption Settlement Adjustments · 团购/组局结算调整

Some activities may reconcile actual costs after completion (e.g., a shared meal where the final bill differs from the estimate). Under the current pilot boundary:

• Participants pay only through the Owner-gated payment path actually enabled for the activity; no public page should be read as direct-host settlement authority.
• Overpayment (actual share < paid): the correction path is manual or external until a later settlement implementation is approved — never platform credit.
• Underpayment (actual share > paid): any additional payment request requires a separately approved payment path; participants may decline any increase above 10% of the listed estimate, in which case the listed amount stands.
• Listings using estimate pricing must disclose it at checkout: "final amount may adjust within ±10%."

中文概要:事后按实结算的组局仍是人工/外部或后续实现路径；参与者只通过该活动实际启用的 Owner 门控支付路径付款，公开页面不应被理解为主办直连结算授权。多付/少付处理都需走已批准的退款或支付路径，不转为平台积分。

9. Chargebacks · 银行卡拒付

You always have the right to dispute a charge with your card issuer. Please use §10/P208 first — it is usually faster. Chargeback handling depends on the payment path actually used; the platform's role in this pilot is recording and evidence support, not automated payout or settlement execution. Filing a chargeback on a transaction while also receiving a refund (double recovery) or filing demonstrably false disputes may lead to account restriction.

中文概要:参与者始终有权向发卡行拒付,但建议先走平台流程更快；拒付处理取决于实际启用的支付路径。当前 pilot 中平台职责是记录与证据支持，不执行自动 payout 或结算。

10. Where This Policy Is Shown · 公示位置

Per California Civil Code §1723 and basic fairness, the refund policy (at minimum: the Schedule A row set applying to the listing) is conspicuously displayed at checkout before payment, and acceptance is recorded (P201 §10).

中文概要:按加州民法典 §1723,适用的退款档位必须在付款前于结账页醒目展示,且同意留痕。

11. Records and Disputes · 记录与争议

Every refund outcome must trace to: a Schedule A row or a logged exception (§5), the triggering recorded event, timestamps, and the deciding source (rule vs. review). No unrecorded adjustments. Disputes about outcomes follow P208 (report → review → decision → appeal).

中文概要:每笔退款结果必须可追溯到具体档位或已留痕例外、触发事件、时间戳与决定来源;禁止无记录调整;对结果不服走 P208。