Practical guides on refunds, chargebacks, scams, privacy and consumer protection — in plain English.
Overview of PayPal User Agreement basics from official sources. Understand account eligibility requirements for individuals, such as minimum age, and next steps for buyers reviewing protections.
Understand habeas data rights in Colombia under the Constitution, Ley 1266, and Ley 1581 de 2012. Learn how to access, update, rectify, or suppress personal data held by companies, distinct from EU DSAR processes.
Understand Colombian rules for overbooking compensation via Aerocivil's RAC 3 Numeral 3.10. Learn passenger entitlements, airline duties, and steps to claim with airlines or Superintendencia de Transporte.
Learn the process for Colombian bank customers to challenge account charges like unauthorized commissions through your bank's Defensor del Consumidor Financiero and SFC escalation paths. Official guidance only.
Understand SMS as Short Message Service (mensaje corto de texto) in Colombian telecom and consumer contexts, including its use in service confirmations like NIP codes under CRC regulations.
Overview of the FCC informal complaint process for US telecom issues like billing and service. Covers what it handles, steps to file, provider response rules, and key limits per FCC guidance.
Understand chargeback items on your Colombian credit card bank statement. Learn rules under Ley 1480/2011 and Decree 587/2016, steps to notify your issuer, and Superintendencia de Industria y Comercio options for payment reversals.
Understand how merchants process Stripe refunds for Colombian consumers, timelines for credits, and steps to request one from the seller. Covers Stripe policy and distinctions from chargebacks.
Under US Regulation Z, late payment fees on major credit cards are limited by federal caps, with CFPB examples showing amounts like $40 on a $1,325 balance due. Understand issuer policies and what controls these fees.
Understand restocking fees in Colombia: how Ley 1480 de 2011 governs returns and cancellations, merchant policy limits, and practical steps for consumers facing return charges.