Frequently Asked Questions
How am I protected?
YouGotRated’s Buyer Protection is only available for Online Purchases made from a Verified Merchant that displays the Buyers Protection Badge in their website at the time of your purchase.
If the problem you're trying to resolve involves a transaction that you did not authorize, please report the unauthorized transaction to your Credit Card Company.
What are the eligibility requirements for YouGotRated Buyer Protection?
Your transaction must meet these requirements:
- You must purchase from a Verified Merchant by YouGotRated
- Pay for the full amount of the item with one payment
- Items purchased with multiple payments – like a deposit followed by a final payment – are not eligible
- The item you purchase must be a physical, tangible good that can be shipped
- Open a dispute within 30 days of the date you sent the payment – then follow the online dispute resolution process described below
How do I know if I'm purchasing an eligible Item?
Look for the Buyer Protection Badge in the Merchant’s website. If you see the badge and you meet the eligibility requirements, then your purchase is covered by YouGotRated’s Buyer Protection Program. You can also view this message after you complete your purchase: Your merchant has been verified with YouGotrated and your transaction is backed by the YouGotrated Buyer Protection Program. Once you have completed your purchase you will be emailed your Buyers Protection ID Number should you need to file a Claim with YouGotRated
Items and goods purchased online and shipped directly to the Buyer are eligible unless they are excluded in the Buyer Protection User Agreement. Some of the exclusions are Real estate, Motorized Vehicles (of any kind), Capital Equipment, Industrial Machinery, Travel Tickets, Events Tickets, Prepaid Cards, Intangible items like digital goods, Services (of any kind), Custom Made Items, Fake or Counterfeit Items, or any items that are usually prohibited by law. For a complete list of ineligible items, please see the Buyer Protection Program User Agreement.
How much coverage do I get with YouGotRated’s Buyer Protection?
YouGotRated will reimburse you to the lower of (a) the full amount You paid the Merchant, including tax and shipping or (b) $1,500 in lifetime claims for Your account.
If you are unable to resolve the problem directly with the seller, go to YouGotRated’s Resolution Center and follow this process:
Open a Dispute
You must open a Dispute within 30 days of the date you made the payment for the item you would like to dispute.
Respond to YouGotRated's requests for information in a timely manner
During the Claim process; YouGotRated may require you to provide documentation to support your position. You may be asked to provide receipts, police reports, or anything else that YouGotRated specifies.
Comply with YouGotRated's shipping requests in a timely manner
For Significantly Not as Described Claims, YouGotRated may require you to ship the item back to the seller at your expense, and to provide proof of delivery. Proof of delivery is confirmation that can be viewed online and includes: the delivery address, delivery date, and the URL to the shipping company's web site that can corroborate the tracking information. Please note that you must get signature confirmation of delivery.
How is the Claim resolved?
Once a dispute has been escalated to a claim, YouGotRated will make a final decision in favor of the buyer or the seller. You may be asked to provide receipts, third party evaluations, police reports, or anything else that YouGotRated specifies. YouGotRated retains full discretion to make a final decision in favor of the buyer or the seller based on any criteria YouGotRated deems appropriate. In the event that YouGotRated makes a final decision in favor of the buyer or seller, each party must comply with YouGotRated's decision. YouGotRated will generally require the buyer to ship an item that the buyer claims is
Significantly Not as Described back to the seller (at the buyer's expense), and YouGotRated will generally require a seller to accept the item back and refund the buyer the full purchase price plus original shipping costs.
What is the definition of Significantly Not as Described?
An item is Significantly Not as Described if it is materially different than what the seller described in the item listing. Here are some examples:
• You received a completely different item. Example: You purchased a book and received a DVD or an empty box.
• The condition of the item was misrepresented. Example: The listing said "new" and the item was used.
• The item was advertised as authentic but is not authentic.
• The item is missing major parts or features, which were not disclosed in the listing.
Other reasons why you can open a Dispute
• You purchased three items from a seller but only received two.• The item was damaged during shipment.
• The item was properly described but you didn't want it after you received it.
• The item was properly described but did not meet your expectations.
• The seller refuses to honor their refund policy
What other items are not covered by YouGotRated's Protection for buyers?
The following items are prohibited under the YouGotRated Acceptable Use Policy and are not covered even if they do have the YouGotRated Buyer Protection message in the listing: firearms and firearm parts, illegal and prescription drugs and drug paraphernalia, tobacco, offensive items, child pornography, and any illegal items.
Relationship between YouGotRated's protection programs and Chargebacks
Credit card chargeback rights, if they apply, are broader than YouGotRated's protection programs. Chargeback rights may be filed more than 30 days after the payment, may cover unsatisfactory items even if they do not qualify under this program, and may cover intangible items. You may pursue a Dispute/Claim with YouGotRated, or you may contact your credit card company and pursue your chargeback rights. You may not pursue both at the same time or seek a double recovery. If you have an open Dispute or Claim with YouGotRated, and also file a chargeback with your credit card company, YouGotRated will close your Dispute or Claim, and you will have to rely solely on your chargeback rights.
If YouGotRated does not make a final decision on your Claim until after your credit card issuer's deadline for filing a chargeback, and because of our delay you recover less than the full amount you would have been entitled to recover from the credit card issuer, we will reimburse you for the remainder of your loss (minus any amount you have already recovered from the seller).
Before contacting your card issuer or filing a Dispute with YouGotRated, you should contact the seller to resolve your issue in accordance with the seller's return policy as stated on their website.
No Double Recovery
You may not file a dispute/claim or receive a recovery for a purchase under YouGotRated's protection for buyers if you have already received a recovery for that purchase directly from the seller or from your credit card company.