Payment, Balance, Refund & Withdrawal Policy (V1)

GGBOYS PAYMENT, PLATFORM BALANCE, REFUND AND WITHDRAWAL POLICY

IMPORTANT: This English version is the controlling legal version.

This Policy is entered into between the user and GGBOYS LLC, a New Jersey limited liability company with a principal business address at 1346 How Ln, North Brunswick Township, NJ 08902 ("GGBOYS," "we," "us," or "our"). Legal notices and customer-support requests may be sent to [email protected].

This Policy governs deposits, Platform Balance, refunds, withdrawals, payment processing, settlement holds, negative balances, payment disputes, Skin Pass payment processing, and related risk controls offered through GGBOYS.

Part I - Material Terms Summary and Electronic Consent

This summary highlights material terms. It does not replace the full Policy. If this summary conflicts with the full Policy, the full Policy controls, except that GGBOYS will not use the full Policy to conceal or materially contradict fees, restrictions, arbitration terms, or other material conditions prominently shown before a transaction.

The standard Platform Balance deposit processing fee is 2.9% plus US $0.30 per deposit transaction. The fee is deducted from the gross amount paid, and the remainder is credited to Platform Balance. A different fee may apply by payment method, card type, region, or Payment Service Provider only if clearly disclosed before confirmation.

GGBOYS does not currently impose a fixed minimum or maximum deposit amount under this Policy. Each deposit remains subject to the amounts, supported payment methods, provider limits, KYC requirements, and risk controls displayed on the applicable payment page.

All users must complete required KYC / identity verification before making a deposit, conducting a Marketplace purchase or sale, purchasing, upgrading, or renewing Skin Pass, or requesting a withdrawal.

Unused Deposited Funds may be refunded only to the Original Payment Method. No alternative refund destination is permitted under this Policy.

Deposited Funds are not withdrawable. Only Eligible Earnings, including settled eligible Marketplace sale proceeds and other earnings expressly approved by GGBOYS, may be withdrawn.

Eligible Earnings are subject to an eight (8) calendar-day settlement hold. During the hold, they are unavailable for both Platform spending and withdrawal.

Marketplace purchases may be paid only with sufficient available Platform Balance. Direct external payment and split payment are not supported for Marketplace purchases.

Skin Pass may be paid in full using either Platform Balance or a supported External Payment Method. Platform Balance and an External Payment Method may not be combined for one Skin Pass payment.

For Skin Pass auto-renewal, GGBOYS first attempts the payment category selected at initial purchase as the primary category, then may attempt the other category as backup if the primary attempt fails. Reasonable retries may occur. Updating an external card or other external payment instrument does not change the established priority order.

The minimum gross withdrawal request is US $5.00. Withdrawal fees are calculated separately for each request, apply to the entire request amount, and are deducted from the requested amount.

Withdrawals may be offered to eligible users in supported countries or regions, subject to law, provider availability, KYC, risk controls, and supported payout channels. A payout destination must be a personal account held in the verified user's legal name and lawful control.

Third-party payout, banking, intermediary, cross-border, and currency-conversion costs are borne by the user. An estimated net payout is not a guarantee of the amount ultimately credited by the user's bank or payout provider.

Refund and withdrawal requests become locked when they enter processing. Before that point, cancellation is available only if the Platform interface expressly provides a cancellation option.

Platform Balance is an internal ledger balance, not a bank account, trust account, investment account, cash equivalent, or interest-bearing product.

GGBOYS currently does not charge an inactivity or dormancy fee unless a future Fee Schedule clearly discloses one before it becomes applicable.

By accepting this Policy, the user agrees to the dispute-resolution provisions below, including binding individual arbitration unless the user timely opts out.

Consent Method

Before first use of a covered payment, balance, refund, withdrawal, Marketplace transaction, or Skin Pass payment function, GGBOYS may present a conspicuous clickwrap popup containing this summary, readily accessible links to the complete Policy and applicable Terms of Service, and an "Agree and Continue" button. Clicking that button constitutes electronic acceptance. GGBOYS may require renewed acceptance after a material update.

The interface will not use pre-checked boxes, obscured links, low-contrast text, or design elements that make material terms difficult to review. GGBOYS may preserve the assent record, including the exact Policy version, timestamp, account, device, IP address, and consent event.

1. Definitions and Scope

"Platform Balance" means any balance, ledger entry, credit, proceeds, deposit record, refundable amount, promotional amount, reserve, or other account balance displayed or maintained by GGBOYS.

"Deposited Funds" means the net amount credited to Platform Balance through a supported deposit transaction after deduction of the applicable deposit processing fee. Under the standard fee structure, the user selects a gross payment amount, the fee is deducted from that amount, and the remaining net amount is credited as Deposited Funds.

"Eligible Earnings" means eligible Marketplace sale proceeds and other earnings expressly approved by GGBOYS for withdrawal.

"Pending Settlement Balance" means transaction proceeds that have not completed the applicable settlement hold and are unavailable for both Platform spending and withdrawal.

"Original Payment Method" means the payment instrument or account used for the relevant deposit.

"External Payment Method" means a supported payment instrument or account used to pay GGBOYS directly without first creating Deposited Funds, including where supported for Skin Pass.

"Withdrawal" means a payout of Eligible Earnings to a supported payout account. "Refund" means a return of unused Deposited Funds to the Original Payment Method.

"Payment Service Provider" means a bank, processor, payment network, regulated payment company, or other third party supporting payment, balance, refund, settlement, or payout functions. "Identity and Compliance Service Provider" means a KYC, identity, sanctions, fraud, tax, or compliance vendor.

"Manifest Error" means an objectively verifiable clerical, technical, duplicate-credit, calculation, or processor-reporting error established by reliable records.

"Skin Pass" means GGBOYS's separate subscription service governed principally by the GGBOYS Skin Pass User Agreement. This Policy governs payment, Platform Balance, refund, payment-dispute, and related financial-processing matters applicable to Skin Pass only to the extent stated here.

2. Nature of Platform Balance; Third-Party Services

Platform Balance is a limited-use internal Platform ledger entry. It is not a bank account, deposit account, trust or escrow account, securities or investment account, cash equivalent, general-purpose stored-value product, or interest- bearing product. GGBOYS is not a bank, trustee, fiduciary, insurer, investment adviser, or unconditional payment guarantor.

Platform Balance does not earn interest. Except where GGBOYS expressly permits, it may not be transferred, assigned, sold, gifted, pledged, loaned, exchanged, or moved to another user or third party. GGBOYS provides no user-to-user balance-transfer channel. Ordinary Marketplace settlement between a buyer and seller through GGBOYS is not a user-to-user balance transfer.

Payment, balance, settlement, refund, payout, identity, and compliance functions may be provided by third-party service providers. Availability is conditioned on applicable law, provider approval, licensing arrangements, and program rules. GGBOYS may modify, suspend, or discontinue a covered feature where reasonably necessary to comply with law, a regulator, a service provider, or a banking partner.

3. KYC and Eligibility for Financial Functions

A user must complete the KYC / identity verification required by GGBOYS before making any Platform Balance deposit, conducting any Marketplace purchase or sale, purchasing, upgrading, or renewing Skin Pass, or requesting a Withdrawal.

GGBOYS may require renewed KYC, enhanced verification, source-of-funds information, payment-account verification, tax information, or other reasonable supporting materials based on transaction size, cumulative activity, region, account history, risk, law, or Payment Service Provider requirements.

Completion of KYC does not guarantee that every payment, payout, Marketplace, or Skin Pass function will be available in every country, region, or account.

4. Deposits and Deposit Processing Fees

The standard Platform Balance deposit processing fee is 2.9% plus US $0.30 per deposit transaction. Under the standard structure, the user selects a gross deposit payment amount, the processing fee is deducted from that amount, and the remaining net amount is credited to Platform Balance.

For example, under the standard fee, if a user selects a gross deposit payment of US $100.00, the user is charged US $100.00, the fee deducted is US $3.20, and the resulting Platform Balance credit is US $96.80.

A particular payment method, card type, country or region, Payment Service Provider, or payment channel may use a different fee or rounding rule. Any different user-facing fee must be clearly disclosed before confirmation. The payment page will show the gross deposit payment amount, applicable fee, total amount charged, and resulting net Platform Balance credit before the user confirms.

GGBOYS does not currently establish a fixed minimum or maximum deposit amount under this Policy. The applicable payment page controls the amount permitted for a particular transaction and may apply provider limits, payment- method limits, account limits, KYC requirements, manual review, or risk controls.

Processing, authorization, cross-border, currency-conversion, and similar third-party costs are normally non-refundable unless required by law, returned by the provider, caused by a Manifest Error, or expressly waived by GGBOYS.

GGBOYS will not retroactively reprice a completed deposit merely because it later changes a fee. Corrections are limited to Manifest Errors or provider-mandated corrections supported by objective records.

5. Deposit Status, Delays, Reversals, and Duplicate Credits

A bank alert, card notification, or screenshot does not by itself prove final payment. Deposit success and credited amount are determined by final provider status, settlement records, transaction identifiers, and GGBOYS records.

Pending or processing funds may be frozen or unavailable. If temporarily credited funds later fail, reverse, return, or charge back, GGBOYS may remove them and create a negative balance if necessary. Duplicate or erroneous credits may be corrected and removed, and any shortfall may be offset against future deposits, Eligible Earnings, refunds, or other amounts payable to the user.

6. Balance Categories and Order of Use

GGBOYS may display one total balance while maintaining separate backend classifications, including Deposited Funds, settled Eligible Earnings, Pending Settlement Balance, restricted amounts, promotional amounts, reserves, and frozen funds. The displayed total does not mean all funds are spendable or withdrawable.

Unless a specific page or program states otherwise, Platform spending uses balances in this order: (1) Deposited Funds; (2) settled Eligible Earnings; and then (3) other usable restricted or promotional amounts under their specific rules. Pending Settlement Balance is unavailable for both spending and withdrawal.

For multiple deposits, GGBOYS generally uses first-in, first-out allocation, but may use another reasonable allocation where refund capability, provider rules, law, or documented risk makes strict FIFO impractical.

7. Marketplace Payments

Marketplace purchases may be paid only with sufficient available Platform Balance. GGBOYS does not support direct external payment for a Marketplace purchase under this Policy.

If available Platform Balance is insufficient for the full Marketplace purchase amount, the user must first make a separate Platform Balance deposit or otherwise obtain sufficient spendable Platform Balance before completing the purchase.

A Marketplace purchase may not combine Platform Balance with an External Payment Method. This prohibition on split payment does not prevent GGBOYS from applying multiple eligible backend Platform Balance categories in the order stated in Section 6.

Marketplace sale proceeds remain subject to the settlement rules in Section 9 before becoming spendable or withdrawable Eligible Earnings.

8. Refunds of Unused Deposited Funds

Unused Deposited Funds may be refunded only to the Original Payment Method. They may not be withdrawn as earnings, sent to another user or third party, redirected to a different payment instrument, or converted into a payout.

If the Original Payment Method is closed, unavailable, expired, unsupported, or otherwise unable to receive a refund, GGBOYS may pause or decline the refund until an Original Payment Method refund becomes legally and technically available. This Policy does not authorize an alternative refund destination.

If a deposit was partially used, only the remaining unused portion may be refundable. Deposit processing fees and already-incurred third-party payment costs are normally non-refundable. Cumulative refunds may not exceed the remaining refundable amount for the relevant deposit.

Deposit processing fees may be refunded or corrected where required by law, returned by the Payment Service Provider, expressly waived by GGBOYS, or necessary to correct a Duplicate Charge, Manifest Error, or GGBOYS/payment-system error.

Refunds are subject to reasonable review of payment status, KYC, account standing, negative balance, open orders, disputes, chargeback risk, fraud risk, provider rules, bank processing, and law. There is no guaranteed refund window except as required by law.

A refund request may be cancelled only before it enters processing and only where the interface provides a cancellation option. Once processing begins, the relevant amount is locked and cannot be cancelled, reused, duplicated, or redirected.

9. Eligible Earnings and Eight-Day Settlement Hold

Only Eligible Earnings may be withdrawn. Deposited Funds, promotional credits, coupons, bonuses, subsidies, test credits, frozen funds, Pending Settlement Balance, and other non-cash benefits are not withdrawable unless GGBOYS expressly states otherwise.

Eligible Marketplace sale proceeds and other approved earnings are subject to an eight (8) calendar-day settlement hold after the transaction is recorded as completed. During this hold, the earnings are unavailable for both Platform spending and Withdrawal.

This eight-day hold is an independent GGBOYS operational and risk-control period and is separate from any Steam or Valve protection, reversal, cooldown, or restriction period.

Where proceeds from the same transaction have already been withheld by GGBOYS for at least eight (8) calendar days under a Steam or Valve protection, hold, cooldown, or reversal period, that period satisfies this settlement hold, and GGBOYS will not apply a second, additional eight-day hold to those same proceeds.

After the hold, earnings become available only if no unresolved chargeback, payment dispute, Steam reversal or rollback risk, claim, negative balance, KYC issue, tax issue, fraud review, or other documented Platform-integrity risk remains. Later invalidation may result in reclassification, recovery, or negative balance.

Once settled and available, Eligible Earnings may be used for Marketplace purchases, may be used to pay a Skin Pass amount in full where Platform Balance is selected, or may be requested for Withdrawal subject to this Policy.

10. Promotional and Restricted Credits

Promotional credits, bonus balances, coupons, subsidies, test credits, and similar non-cash or restricted amounts are not withdrawable, are not redeemable for cash, are not refundable for cash, and may not be transferred to another user unless GGBOYS expressly states otherwise.

Their permitted uses, expiration, product or service restrictions, and other conditions are governed by the applicable promotion page or Promotion Terms. A promotion may expressly permit or prohibit use for Marketplace or Skin Pass.

11. Withdrawal Fees and Calculation

Withdrawal fees are based on each individual Withdrawal request. They are not based on lifetime sales, monthly volume, or cumulative account activity. The applicable rate applies to the entire gross request amount and is not progressive or marginal.

The user enters the gross Withdrawal amount. The applicable GGBOYS Withdrawal fee is deducted from that amount and the user receives the net payout before any additional third-party deductions. Fees are rounded to the nearest cent. The minimum gross Withdrawal request is US $5.00.

A minimum Withdrawal fee of US $2.00 applies to each Withdrawal request. Where the tiered rate in the table below produces a fee lower than US $2.00, the US $2.00 minimum fee applies instead. The applicable fee and the estimated net payout are shown on the Withdrawal page before the user confirms.

12. Withdrawal Availability, Accounts, Currency, and Confirmation

Withdrawals may be made available to eligible users in countries or regions supported by GGBOYS and the applicable Payment Service Provider, subject to law, sanctions, provider availability, KYC, risk controls, and supported payout channels. Availability of GGBOYS generally does not guarantee Withdrawal availability in every country or region.

A Withdrawal destination must be a personal payout account held in the verified user's legal name and lawful control. Payouts to business accounts, company accounts, unrelated third parties, nominee accounts, money mules, undisclosed beneficial owners, or accounts used to evade KYC, tax, sanctions, or risk controls are prohibited.

Platform Balance, GGBOYS fees, refunds, deposits, Marketplace amounts, Skin Pass prices, and Withdrawal amounts are denominated in U.S. dollars unless a transaction page expressly states otherwise. GGBOYS does not guarantee any currency-conversion rate.

Third-party payout-provider fees, bank fees, intermediary-bank fees, cross-border fees, currency-conversion or FX fees, and similar third-party charges are borne by the user. Where known, GGBOYS may display such charges before confirmation, but GGBOYS does not guarantee that all third-party charges can be known in advance.

Before each Withdrawal, the page will display the gross request amount, applicable GGBOYS Withdrawal fee rate, GGBOYS Withdrawal fee, estimated net payout, and known charges. The estimated net payout is not a guarantee of the amount ultimately credited by the receiving bank or payout provider.

13. Withdrawal Processing, Multiple Requests, Security, and Statuses

GGBOYS does not promise a fixed processing or arrival time except as required by law. Estimates shown on the Withdrawal page are non-binding and may be affected by review, providers, banks, weekends, holidays, account status, region, or third parties.

Users may submit multiple requests where the Platform permits. Each request is independently charged, reviewed, and processed. GGBOYS may review, delay, or reject abnormal or evasive request patterns.

No fixed daily or monthly Withdrawal limit is promised. Limits may vary based on KYC, account history, documented risk, provider requirements, law, region, and available payout channels.

GGBOYS may require email verification, password confirmation, two-factor authentication, device verification, payout- account verification, renewed KYC, or other checks. Adding or changing a payout account may trigger a risk-based delay.

Withdrawal statuses may include Submitted, Under Review, Approved, Processing, Paid, Failed, Returned, or Cancelled. "Processing" generally means the request is locked and can no longer be cancelled or modified by the user. "Paid" means GGBOYS or its provider has initiated or completed payout, but does not guarantee immediate bank availability. "Returned" means a previously sent payout was returned by a bank or provider.

14. Locked Requests, Rejections, Returns, and Fees

Once a Withdrawal enters Processing, the amount is locked and the user may not cancel, modify, redirect, or reuse it. GGBOYS may cancel or suspend a request where reasonably required for documented risk, law, compliance, or processing reasons.

If a request is rejected before payout initiation, the GGBOYS Withdrawal fee is generally not charged. If a payout is sent and later returned, user-caused returns may result in non-refund of the original fee and deduction of actual documented return or third-party costs. GGBOYS-caused failures may result in a full or partial fee refund. A renewed request is a new request subject to then-current rules.

15. Review, Additional Information, and Appeal

GGBOYS may request identity, tax, source-of-funds, bank, payment-account, Steam, transaction, or other supporting materials and specify a reasonable response deadline. Failure to provide complete and verifiable materials may lead to delay, rejection, cancellation, continued freeze, or account restriction.

A user may request one internal review by providing new evidence or a specific explanation. Review does not guarantee a different result and does not automatically suspend restrictions or negative-balance offsets.

16. Negative Balances and Setoff

Negative balances may arise from chargebacks, payment returns, reversed or withdrawn invalid proceeds, order failures, fees, duplicate credits, refunds, losses, or other documented obligations owed to GGBOYS.

A Platform Balance that is merely insufficient to pay a Skin Pass renewal is not, by itself, a negative balance and does not create a debt. Skin Pass renewal payment attempts are governed by Section 19.

To the maximum extent permitted by law, future deposits, Eligible Earnings, refunds, rewards, subsidies, and other amounts payable to the user may be applied first to genuine negative balances and documented amounts owed to GGBOYS.

GGBOYS may use reasonable collection or account controls for genuine negative balances where permitted by law. Nothing in this Section converts an unsuccessful Skin Pass renewal attempt into a negative balance.

17. Chargebacks and Payment Disputes

Users should first contact GGBOYS and use the Platform dispute process before initiating a chargeback, unless urgent fraud, account compromise, law, or card-network rules reasonably require immediate contact with a payment provider.

Users may not use chargebacks, unauthorized-payment claims, or bank disputes to evade valid fees, refund rules, Marketplace responsibilities, valid Skin Pass payment obligations, or other amounts lawfully owed.

For an abusive, fraudulent, or materially unsupported chargeback, GGBOYS may recover actual, reasonable, and documented costs incurred in responding to the dispute, to the extent permitted by law and disclosed in the applicable Fee Schedule or transaction rules. No charge will be imposed solely because a user exercised a non-waivable legal or card-network right.

GGBOYS may freeze or restrict accounts, linked accounts, balances, refunds, Withdrawals, deposits, Marketplace transactions, proceeds, and other related funds during a dispute, using reasonable good-faith judgment and, where practicable, tailoring restrictions to the amounts and risks involved.

For a Skin Pass chargeback or payment dispute, this Policy governs payment and financial-processing matters. Skin Pass entitlement, item return, suspension, termination, registered-value obligations, and other service-specific consequences are governed by the Skin Pass User Agreement.

18. Seller Protection and Reversed Buyer Funding

If funding associated with a completed Marketplace order later fails, reverses, returns, or charges back, GGBOYS may determine under the Seller Protection rules whether to provide full, partial, or no protection to a compliant seller. Seller Protection is not insurance and is not an unconditional or unlimited guarantee.

Because Marketplace purchases are funded through Platform Balance, a later reversal or chargeback of an earlier deposit may still create risk affecting a completed Marketplace transaction. GGBOYS may apply Seller Protection and related risk controls based on the applicable facts and records.

19. Skin Pass Payments, Auto-Renewal, and Upgrades

Skin Pass is a separate subscription service governed principally by the GGBOYS Skin Pass User Agreement. This Section governs only payment-processing and Platform Balance rules applicable to Skin Pass.

A Skin Pass purchase may be paid in full using either sufficient available Platform Balance or a supported External Payment Method. Platform Balance and an External Payment Method may not be combined to complete one Skin Pass payment.

A direct Skin Pass payment made through an External Payment Method is a Skin Pass Subscription Payment and does not create Deposited Funds or Platform Balance. The standard Platform Balance deposit processing fee in Section 4 does not apply to that direct Skin Pass payment. GGBOYS bears its ordinary payment-processing cost for such direct Skin Pass payment, subject to applicable taxes and any third-party fees lawfully imposed directly on the user by the user's bank or payment provider.

For automatic renewal, the payment category selected at the user's initial Skin Pass purchase establishes the payment priority for that subscription relationship. If External Payment Method was selected initially, GGBOYS first attempts the valid linked External Payment Method and, if that attempt fails, may attempt sufficient available Platform Balance as backup. If Platform Balance was selected initially, GGBOYS first attempts sufficient available Platform Balance and, if unavailable or insufficient, may attempt a valid linked External Payment Method as backup.

No Skin Pass renewal attempt will split one subscription charge between Platform Balance and an External Payment Method. If Platform Balance is insufficient for the full amount, GGBOYS will not partially consume that balance for the renewal before attempting the backup External Payment Method.

GGBOYS and its Payment Service Provider may make reasonable retry attempts after a failed primary or backup payment attempt. Payment retries do not, by themselves, extend a Skin Pass term, grace period, item-return deadline, or other service-specific deadline under the Skin Pass User Agreement.

The user may update or replace the specific linked External Payment Method, such as by replacing an expired or changed card, but may not change the established priority order between External Payment Method and Platform Balance for the existing subscription relationship.

For an eligible Basic-to-Premium upgrade, the user may separately choose either sufficient Platform Balance or a supported External Payment Method to pay the full upgrade amount. No split payment is permitted. The payment method selected for an upgrade does not change the established automatic-renewal payment priority.

If all permitted renewal payment attempts ultimately fail, the renewal fails and the next Skin Pass term does not begin through that failed renewal. Any consequences for the expiring subscription, current Skin Pass items, return obligations, or service access are governed by the Skin Pass User Agreement.

20. Skin Pass Refund Treatment

A Skin Pass payment is not an unused Platform Balance deposit. Once a Skin Pass payment is successfully made and the applicable subscription period or upgrade begins, the payment is generally non-refundable as provided in the Skin Pass User Agreement.

If Skin Pass is paid using Platform Balance, the amount consumed for Skin Pass is no longer unused Deposited Funds and may not be reclaimed through the unused-deposit refund procedure in Section 8.

If Skin Pass is paid directly through an External Payment Method, that payment does not become Platform Balance and is not eligible for the unused-deposit refund procedure in Section 8.

Exceptions may apply for Duplicate Charges, Manifest Errors, GGBOYS-approved refunds, provider corrections, or non-waivable rights under applicable law or payment-network rules. Service-specific refund rights remain governed by the Skin Pass User Agreement.

21. Account Closure, Suspension, and Remaining Funds

Before account closure, users must resolve balances, refunds, Withdrawals, deposits, open Marketplace transactions, disputes, chargebacks, negative balances, tax, KYC, Skin Pass obligations, and risk matters. GGBOYS may refuse or delay closure while any such matter remains.

Account closure, suspension, termination, or banning does not automatically forfeit lawful balance. GGBOYS may deduct valid amounts lawfully owed and may remit unclaimed funds to the appropriate government authority where required. Existing obligations survive closure.

22. Account Security and Unauthorized Activity

Users are responsible for securing their GGBOYS account, email, passwords, devices, two-factor authentication, Steam account, payment accounts, and payout accounts.

Users must notify GGBOYS immediately after discovering or suspecting unauthorized deposits, refunds, Withdrawals, payout-account changes, Skin Pass payments, or account access. GGBOYS may try to stop an incomplete payout or payment but does not guarantee recovery of completed funds.

Nothing in this Policy limits non-waivable consumer, error-resolution, or statutory rights under applicable law.

23. Records, Evidence, and User Access

GGBOYS will provide basic online deposit and Withdrawal records, which may include gross amount, fee, net amount, status, time, payment method, and refund status.

Platform ledgers, provider records, bank records, Marketplace records, Skin Pass payment records, Steam-related records, system logs, support records, and user evidence may be considered together. GGBOYS records constitute rebuttable evidence and may be corrected upon credible contrary evidence, Manifest Error, fraud, or applicable law.

Users may request manual reconciliation or available proof of records. GGBOYS may require identity verification and may charge a reasonable fee for repetitive, excessive, archival, or labor-intensive requests where legally permitted and disclosed in advance.

24. Record Retention and Deletion Requests

GGBOYS retains payment, balance, KYC, consent, tax, chargeback, dispute, fraud, security, Marketplace, Skin Pass payment, and transaction records for periods reasonably required by law, providers, banks, tax rules, audit, litigation, risk management, and legitimate business needs.

Users may request access, correction, or deletion under applicable law and the Privacy Policy, but GGBOYS may retain records necessary for legal, tax, KYC/AML, sanctions, payment, dispute, chargeback, audit, fraud, security, and rights-protection purposes.

25. Taxes and Statutory Withholding

Users are solely responsible for identifying, reporting, and paying taxes arising from Platform activity. GGBOYS does not provide legal, accounting, or tax advice.

GGBOYS may collect tax information, require forms, verify tax status, issue tax documents, report information, apply legally required withholding, or restrict Withdrawals for tax compliance. Legally required withholding is not a GGBOYS fee.

26. Supported Regions, Sanctions, and Legal Restrictions

If a user, country, region, bank, payment account, payout channel, or other relevant party becomes subject to sanctions, export controls, law, regulation, provider restriction, or banking restriction, GGBOYS may suspend, freeze, delay, reject, or restrict related funds and features.

GGBOYS is not required to redirect restricted funds to another person, country, or payment method. Restricted funds do not automatically become GGBOYS property.

27. Third-Party Failures and Force Majeure

GGBOYS does not provide unconditional reimbursement for failures, delays, freezes, insolvency, bankruptcy, suspension, or outages of banks, providers, networks, Steam, Valve, cloud providers, or other third parties outside GGBOYS's reasonable control.

GGBOYS may suspend or limit payment, refund, Withdrawal, balance, deposit, Marketplace payment, and Skin Pass payment functions during force majeure events. This does not excuse GGBOYS fraud, willful misconduct, gross negligence, or non-waivable legal duties.

28. Collections and Recovery Costs

GGBOYS may refer unpaid negative balances or other documented obligations to lawful recovery providers and may share information reasonably necessary for collection, legal action, dispute handling, or risk management, subject to law and the Privacy Policy.

To the extent permitted by law, a breaching user may be responsible for reasonable, actually incurred collection costs, legal fees, arbitration fees, court costs, service fees, investigation costs, and related recovery expenses.

29. User Indemnification

To the maximum extent permitted by law, the user will indemnify and hold harmless GGBOYS and its affiliates, officers, employees, and agents from third-party claims, provider assessments, chargebacks, penalties, losses, liabilities, and reasonable costs arising from the user's fraud, unlawful conduct, material breach, use of another person's payment method, false KYC or tax information, sanctions violation, or payment-network violation.

The user has no obligation to indemnify GGBOYS for losses caused by GGBOYS fraud, willful misconduct, gross negligence, or non-waivable legal violation.

30. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GGBOYS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, LOST OPPORTUNITY, LOSS OF USE, OR MARKET-VALUE CHANGES; OR LOSSES CAUSED BY THIRD PARTIES OUTSIDE GGBOYS'S REASONABLE CONTROL.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GGBOYS'S AGGREGATE LIABILITY FOR CLAIMS ARISING OUT OF OR RELATING TO THIS POLICY OR COVERED SERVICES WILL NOT EXCEED THE GREATER OF: (1) THE PLATFORM SERVICE FEES ACTUALLY PAID BY THAT USER TO GGBOYS DURING THE THREE (3) MONTHS BEFORE THE CLAIM AROSE; OR (2) ONE HUNDRED U.S. DOLLARS (US $100).

Nothing limits liability that cannot lawfully be excluded, including liability for fraud, willful misconduct, gross negligence, or other non-waivable duties.

31. Death, Incapacity, and Authorized Representatives

If a user dies or becomes legally incapable, a lawful representative may request account handling after providing documents reasonably required by GGBOYS. Existing debts and obligations may be deducted before lawful distribution.

32. Changes to this Policy and Emergency Measures

GGBOYS may update this Policy, the Fee Schedule, fees, minimum amounts, procedures, and related terms. Material adverse changes will receive notice as required by law or commercially reasonable advance notice where no statutory period applies.

Changes generally apply prospectively to new requests. For urgent fraud, cyber, sanctions, legal, regulatory, provider, banking, or security events, GGBOYS may immediately suspend, freeze, delay, restrict, or reject covered features and provide notice later where appropriate.

33. Priority of Documents

For general deposit, Platform Balance, refund, Withdrawal, payment-processing, settlement, and related financial matters, this Policy is the primary rule. For specific rates, minimum amounts, payment-method availability, and transaction-page amounts, the current Fee Schedule and the page presented before confirmation control to the extent they are consistent with applicable law and any required disclosures.

For a Marketplace transaction, product listing, sale, purchase, delivery, or other Marketplace-specific obligation, the applicable transaction page and GGBOYS Marketplace Purchase and Sale Agreement control the Marketplace- specific matter. This Policy controls the payment, Platform Balance, settlement, refund, Withdrawal, and related financial-processing aspects unless a more specific transaction rule affirmatively accepted by the user lawfully controls.

For Skin Pass eligibility, subscription entitlement, item allocation, possession, exchange, return, cooldown, registered value, suspension, termination, and other Skin Pass service-specific obligations, the GGBOYS Skin Pass User Agreement controls. This Policy controls Skin Pass payment processing, Platform Balance use, External Payment Method processing, payment priority, payment retries, chargebacks, and other financial-processing matters addressed here.

Where documents conflict, the more specific rule affirmatively accepted for the specific transaction or service controls to the extent of the conflict, subject to applicable law and without retroactively increasing a fee or materially reducing a vested right.

34. Governing Law, Informal Resolution, Arbitration, and Opt-Out

This Policy is governed by the laws of the State of New Jersey, without regard to conflict-of-law principles, except to the extent federal law or another jurisdiction's non-waivable law applies.

Before initiating arbitration or court proceedings, a user must send written notice of dispute to [email protected] describing the account, transaction, dispute, requested relief, and supporting evidence. The parties will attempt in good faith to resolve the matter for at least thirty (30) days, except where urgent relief is necessary.

To the fullest extent permitted by law, covered disputes will be resolved by binding individual arbitration administered by the American Arbitration Association under applicable Consumer Arbitration Rules, subject to an individual small- claims exception, class-action waiver, and jury-trial waiver.

A user may opt out of arbitration within thirty (30) days after first accepting this Policy by sending written notice to [email protected] containing the user's legal name, GGBOYS account email, Steam ID if applicable, and a clear statement opting out of arbitration. Opting out does not affect other provisions of this Policy.

Nothing prevents either party from seeking temporary, injunctive, or emergency court relief for fraud, security, intellectual property, unauthorized access, payment risk, or similar urgent matters where legally available.

35. General Contract Provisions

If any provision is unenforceable, it will be enforced to the maximum lawful extent or severed, and the remaining provisions will remain in effect. A failure or delay by GGBOYS to enforce a provision does not waive it.

The user may not assign or transfer this Policy, Platform Balance, refund rights, or Withdrawal rights without GGBOYS's prior written consent. GGBOYS may assign this Policy in connection with a merger, reorganization, financing, change of control, or sale of relevant assets, subject to law.

Provisions concerning negative balances, setoff, chargebacks, taxes, records, indemnification, liability limitations, collections, dispute resolution, governing law, unclaimed property, and other provisions that by their nature should survive will survive closure or termination.

This Policy, together with documents expressly incorporated by reference and transaction disclosures affirmatively accepted by the user, constitutes the agreement concerning covered payment, balance, refund, Withdrawal, and related financial-processing matters.

36. Language and Electronic Acceptance

This Policy may be provided in English, Chinese, or other languages. The English version is the controlling legal version unless mandatory law requires otherwise. Translations are provided for convenience.

Electronic acceptance may be recorded by Policy version, date and time, account, IP address, device information, and confirmation method. Continued use after a required re-acceptance constitutes agreement only after the required confirmation is completed.

37. User Acknowledgment

By clicking "Agree and Continue," making a deposit, using Platform Balance, completing a Marketplace payment, making a Skin Pass payment, requesting a refund, requesting a Withdrawal, or continuing to use a covered function after required re-acceptance, the user confirms that the user has had a reasonable opportunity to access, read, and retain the complete Policy; understands the material fee, refund, Withdrawal, settlement-hold, chargeback, negative- balance, Skin Pass payment, arbitration, and risk disclosures; understands that Deposited Funds are not withdrawable and only Eligible Earnings may be withdrawn; agrees to the English controlling version and electronic-consent process; and acknowledges that no Policy language overrides non-waivable rights under applicable law.

38. Contact Information

GGBOYS LLC a New Jersey limited liability company 1346 How Ln North Brunswick Township, NJ 08902 United States Legal Notice Email: [email protected] Customer Support: [email protected]

END OF POLICY