Dispute Resolution Policy
Last updated: July 1, 2026
1. Overview and Scope
This Dispute Resolution Policy is provided by EBLIT LLC, a Delaware limited liability company ("EBLIT"). It governs two distinct categories of disputes and each category is handled under a separate process. Part A (Sections 2 through 8) governs disputes between a buyer and a seller arising out of a transaction facilitated by the EBLIT platform (the "Platform"). Part B (Sections 9 through 15) governs legal disputes between you and EBLIT itself. These two processes are separate and independent: the internal buyer-seller process in Part A does not limit, replace, or waive the arbitration agreement in Part B, and the arbitration agreement in Part B does not apply to buyer-seller disputes resolved under Part A. You must be at least 18 years of age, or the age of majority in your jurisdiction if higher, to use the Platform, and this Policy is applied consistently with the requirements of the strictest applicable state law.
2. Part A - Buyer-Seller Disputes: Filing a Dispute
EBLIT provides an internal, evidence-based process for resolving disputes between buyers and sellers. To open a dispute, the initiating party must file through the Platform within the applicable window. For shipping transactions, a condition dispute must be filed within the 12-hour inspection window that begins at confirmed delivery; if no dispute is raised within that window, payment is automatically released to the seller and condition claims are waived. Meetup transactions are verified at the meetup itself through the photo-comparison, item-identifier, and exchange-code steps -- an unresolved identity or item mismatch cancels the transaction on the spot; any concern arising after a meetup transaction should be raised promptly with EBLIT support at support@eblit.com, which reviews it case by case. Disputes filed after the applicable window are not eligible for review and are considered waived. When you file, you must identify the transaction and describe the issue clearly and completely, because your submission and the supporting evidence form the basis of EBLIT's review.
3. Part A - Evidence We Consider
EBLIT resolves buyer-seller disputes on the basis of the objective evidence generated by the transaction. This evidence includes, without limitation: (a) for shipping transactions, the mandatory unboxing video - an unboxing video is required to support any claim about the condition of a shipped item, and the absence of a required unboxing video means a condition claim cannot be substantiated and will not be resolved in the claimant's favor; (b) for meetup transactions, the exchange-code confirmation and the GPS location verification captured at the meeting; (c) the complete chat history between the parties, including any negotiated terms and disclosures; and (d) the listing information, disclosed unique identifier, photos, videos, and any other records associated with the transaction. Parties may be asked to submit additional evidence during the review, as described in Section 4.
4. Part A - Process and Timeline
After a dispute is filed, EBLIT notifies the counterparty, who has five (5) business days to respond and submit evidence. If EBLIT requests additional evidence from either party during the review, that party has five (5) business days to provide the requested materials. EBLIT targets resolution of buyer-seller disputes within fourteen (14) business days of the counterparty response deadline, although complex matters may require additional time. Failure by a party to respond or to provide requested evidence within the applicable five (5) business day window does not stop the process; EBLIT will decide the dispute on the basis of the evidence available.
5. Part A - Final and Binding Decision
EBLIT reviews the evidence and reaches a determination in its sole discretion. THE DECISION REACHED BY EBLIT IN A BUYER-SELLER DISPUTE UNDER THIS PART A IS FINAL AND BINDING ON BOTH THE BUYER AND THE SELLER. By using the Platform, both parties agree to accept EBLIT's determination as the conclusive resolution of the buyer-seller dispute. EBLIT may resolve a dispute fully in favor of one party, or reach a partial resolution, and may direct a full refund, a partial refund, a release of funds to the seller, or any other remedy it deems appropriate in its sole discretion based on the evidence.
6. Part A - How Funds Are Held and Refunds Work
EBLIT directs its payment processor to hold transaction funds pending confirmation of completion; funds are held in the payment processor's platform balance solely to facilitate completion of the transaction. When EBLIT resolves a dispute, the refund mechanics depend on the stage of the transaction. If the dispute is resolved before the transaction has completed and before the seller has received a payout, EBLIT directs the payment processor to issue a plain refund to the buyer from the funds held pending confirmation; there is no seller payout to reverse. If the dispute is resolved after the transaction has completed and the seller has already received a payout, EBLIT directs the payment processor to reverse the seller's payout to fund the refund by clawing back the lesser of the refund amount and the payout the seller received; that reversed amount is borne by the seller. For a full post-completion refund, the seller's entire payout is reversed and the buyer is refunded; for a partial post-completion refund, the seller bears the reversal up to the amount of the payout they received.
7. Part A - EBLIT Is Not a Bank or Money Transmitter
EBLIT is not a bank and is not a money transmitter. EBLIT does not take custody of, hold, or transmit money as a financial institution. Transaction funds are held by the payment processor in the payment processor's platform balance only to facilitate completion of the transaction, and EBLIT merely directs the payment processor to transfer or refund those funds in accordance with the transaction and this Policy. Nothing in this Policy creates a deposit, custodial, fiduciary, or banking relationship between you and EBLIT.
8. Part A - Chargebacks and Exhaustion
Because Part A provides a complete internal remedy for buyer-seller disputes, you agree to use the Platform's dispute process before initiating a chargeback or contacting your bank or card issuer regarding a transaction. Filing a chargeback without first exhausting the Platform's dispute process may result in suspension of your account pending investigation, as described in the Refund Policy.
9. Part B - Legal Disputes With EBLIT: Agreement to Arbitrate
This Part B governs any legal dispute, claim, or controversy between you and EBLIT arising out of or relating to the Platform, this Policy, EBLIT's services, or your use of the Platform (a "Legal Dispute"). PLEASE READ THIS SECTION CAREFULLY. BY AGREEING TO THIS POLICY, YOU AND EBLIT WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION. You and EBLIT agree that any Legal Dispute will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, and not in a court, except as expressly set out in this Part B. The arbitrator, and not any federal, state, or local court, has exclusive authority to resolve the Legal Dispute, except that the small-claims carve-out in Section 11 remains available.
10. Part B - Class Action and Collective Action Waiver
YOU AND EBLIT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding. If this class action and collective action waiver is found to be unenforceable as to a particular claim, then that claim, and only that claim, shall be severed from the arbitration and may be brought in a court of competent jurisdiction, while all other claims remain subject to arbitration.
11. Part B - Small-Claims Carve-Out
Notwithstanding the agreement to arbitrate in Section 9, either you or EBLIT may bring an individual claim in a small-claims court if the claim qualifies for and remains within the jurisdiction and dollar limits of that small-claims court and proceeds on an individual (non-class, non-representative) basis. A dispute that is filed as or later becomes a class, collective, or representative action, or that otherwise exceeds the jurisdiction of the small-claims court, is not eligible for this carve-out and must be resolved in arbitration.
12. Part B - 30-Day Right to Opt Out of Arbitration
You have the right to opt out of the agreement to arbitrate in this Part B. To opt out, you must send written notice to EBLIT at support@eblit.com within thirty (30) days of the date you first accept this Policy. Your notice must include your name and the email address associated with your account and must clearly state that you wish to opt out of the arbitration agreement. If you opt out within this thirty (30) day period, the arbitration agreement, the class action and collective action waiver, and the jury trial waiver in this Part B will not apply to you. Opting out of arbitration does not affect any other provision of this Policy or your continued use of the Platform, and all other terms remain in full force and effect.
13. Part B - Jury Trial Waiver
EXCEPT FOR A QUALIFYING CLAIM BROUGHT IN SMALL-CLAIMS COURT UNDER SECTION 11, AND EXCEPT WHERE YOU HAVE VALIDLY OPTED OUT OF ARBITRATION UNDER SECTION 12, YOU AND EBLIT EACH KNOWINGLY AND VOLUNTARILY WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION WITH RESPECT TO ANY LEGAL DISPUTE COVERED BY THIS PART B.
14. Part B - Governing Law and Venue
This Policy and any Legal Dispute are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. For any matter that is not subject to arbitration under this Part B, including any action to enforce this arbitration agreement or any qualifying court proceeding, the parties agree to the exclusive jurisdiction and venue of the state and federal courts located in Collin County, Texas, and consent to personal jurisdiction in those courts.
15. Part B - Relationship to the Buyer-Seller Process
EBLIT's internal buyer-seller dispute process in Part A is separate from and does not limit, replace, or waive the arbitration agreement in this Part B for disputes between you and EBLIT. Participating in, or receiving a decision through, the Part A buyer-seller process does not affect your rights or obligations under the arbitration agreement in Part B, and the arbitration agreement in Part B does not entitle you to relitigate a buyer-seller determination made under Part A.
16. Record Retention
EBLIT retains records related to disputes, including submitted evidence, chat history, transaction records, and resolution decisions, for a period of seven (7) years, or longer where required by applicable law, to support compliance, audit, and the integrity of the dispute process.
17. Contact
Questions about this Dispute Resolution Policy, and any arbitration opt-out notice under Section 12, may be sent to EBLIT at support@eblit.com.