Terms of Service

Welcome to LTCART ("LTCART," "the Platform," "we," "our," "us"), a payment-hold platform designed to make peer-to-peer transactions safer. LTCART temporarily holds buyer funds until the buyer confirms receipt of the item in the condition described.

LTCART is not a bank, payment hold agent, fiduciary, or legal arbitrator. We provide a payment-hold mechanism only. Funds are held exclusively by third-party payment processors.

By using LTCART, you agree to these Terms of Service ("Terms").

To use LTCART, users must:

• Be at least 18 years old
• Reside in the United States (Dominican Republic support coming soon)
• Pass identity verification if required by the payment processor
• Not be prohibited from online commerce

LTCART provides a payment-hold system where:

1. Buyer sends payment using an approved payment processor
2. Funds enter a temporary payment hold
3. Seller ships or delivers the item
4. Buyer inspects the item
5. Funds are released to the seller

LTCART does not guarantee item quality, authenticity, or performance.

Payments are processed through Stripe, Coinbase Commerce, or other approved payment service providers (PSPs). LTCART does not directly handle user funds. PSPs may impose fraud checks, verification, and limitations. LTCART is not responsible for PSP actions.

LTCART may display link previews when users share URLs from external platforms (such as Facebook Marketplace, Instagram, Twitter/X, YouTube, and others). These previews include publicly available metadata such as titles, descriptions, and images provided by the third-party website.

Important disclaimers:

• All previewed content, including images and metadata, remains the property of the original content owner and hosting platform.
• LTCART retrieves only publicly accessible Open Graph metadata tags and images for display purposes to improve user experience.
• LTCART does not claim ownership of any third-party content displayed in link previews.
• Link previews are cached temporarily (up to 24 hours) to improve performance and reduce server load on external platforms.
• LTCART is not responsible for the accuracy, legality, or appropriateness of content from external sources.

If you are a content owner and wish to have your content removed from link previews, please contact us at support@ltcart.store.

Buyers must:

• Review item descriptions carefully
• Inspect items within the inspection window
• Report issues before the window closes
• Act in good faith

The inspection window is critical. Once funds are released, LTCART cannot forcibly retrieve funds.

If fraud is discovered after release, the buyer may open a dispute. LTCART will notify the seller, review evidence, and attempt voluntary recovery. If PSP rules allow, future payouts to the seller may be held or offset. Recovery is not guaranteed.

Sellers must provide truthful, complete item descriptions, disclose defects, ship promptly, and act in good faith. Misrepresentation may result in account suspension or PSP actions.

Funds are released when the buyer confirms delivery and condition, or when the inspection window expires without response.

Transactions may be canceled:

• Before shipment
• By mutual agreement
• When PSP or risk protocols trigger cancellation

LTCART assists in disputes involving fraud or misrepresentation. We may collect:

• Listing data
• Photos/videos
• Delivery info
• Communications
• Metadata

After evidence review, LTCART may:

1. Release funds to seller
2. Refund buyer
3. Issue partial refund

LTCART is not a legal arbitrator but issues platform-based determinations.

1. Users agree to resolve all issues through LTCART's dispute process before funds are released.
2. Once funds are released to the seller, payments are final within the LTCART platform.
3. If a buyer initiates a bank chargeback:
   • Stripe sends a chargeback notice to LTCART.
   • LTCART submits all available evidence.
   • The issuing bank decides the final outcome.
4. LTCART is not responsible for bank‑issued chargeback outcomes.
5. If a chargeback is lost:
   • Stripe may debit LTCART.
   • LTCART may take action against accounts involved, including restricting protection, payout eligibility, or suspending accounts.
6. Chargeback abuse is grounds for account suspension or removal.

This clause ensures full alignment with Stripe Connect, card network rules, and global banking requirements.

After dispute deadlines, users may pursue civil action. LTCART may provide existing:

• Photos/videos
• Item descriptions
• Message logs
• Metadata timestamps
• Delivery records

LTCART does not create new evidence or provide legal advice.

The following items are banned from LTCART:

• Illegal goods
• Weapons
• Drugs
• Stolen items
• Counterfeit items
• Crypto sales
• PSP-prohibited items

Fees may apply to buyers or sellers, including:

• LTCART platform fee (NON-REFUNDABLE)
• PSP processing fees (NON-REFUNDABLE)
• Conversion fees
• Chargeback/dispute fees (NON-REFUNDABLE if charged by PSP)

Fees appear at checkout.

14.1 Refund Limitations

• Payment processor (PSP) fees are NOT refundable
• LTCART platform fees are NOT refundable
• Chargeback and dispute fees charged by PSPs are NOT refundable

If the payment processor automatically returns disputed funds to the buyer as part of its chargeback process, the refund amount will be debited from the platform or the seller's connected account in accordance with the processor's policies.

Refunds apply only to the net recoverable amount after deductions. LTCART may provide screenshots or PSP policy references upon request.

LTCART may suspend or terminate accounts for:

• Fraud
• Misrepresentation
• Chargeback abuse
• Illegal activity
• Terms violations
• PSP flags

LTCART is not responsible for:

• Item condition
• Misconduct by users
• Shipping losses
• PSP delays
• Losses after payout release

LTCART's maximum liability is limited to the LTCART fees paid in the 90 days prior to a claim.

LTCART is not a traditional escrow service or fiduciary. All funds are handled by third-party payment service providers (PSPs).

LTCART's systems and workflows are protected under U.S. Patent Pending status.

U.S. launch: governed by Delaware law. Dominican Republic launch: governed by DR consumer/commercial laws.

LTCART may update these Terms at any time. Updates are effective upon posting.

If you have any questions about these Terms, please contact us: