Chargeback and Dispute Policy

The principle

If a charge is wrong, tell us. A chargeback through your bank takes weeks; we can usually fix a billing question in a single phone call. Nothing on this page limits your right to go to your bank, and we do not penalise anyone for using it.

Who you are paying

Litiqo is powered by Medixcart FZC LLC.

For customers in Pakistan, Litiqo services are provided and billed by Uniform Impex, which holds the rights to operate Litiqo in the Pakistan region. Uniform Impex is the merchant of record for payments made from Pakistan, and is the party you contract with.

Payments from Pakistan are processed in Pakistani Rupees (PKR) and appear on your card statement as UNIFORM IMPEX LITIQO. Subscription charges recur, so a payment you were not expecting is most often a renewal.

What a chargeback is

A chargeback is a reversal of a card payment that you start through the bank that issued your card, rather than through us. Your bank investigates and, if it decides in your favour, returns the amount to your card and recovers it from us. It is a formal banking process and it is slow. Contacting us is faster.

Contact us first

We acknowledge every complaint within 2 working days and aim to resolve it within 7 working days.

• Pakistan, Sialkot — 1st Floor, Dominos Plaza, Shahab Pura Road, Sialkot, Pakistan. +92 340 0503485
• Pakistan, Faisalabad — 2nd Floor, Faisal Complex by Waheed Sons, 18 Bilal Road, Civil Lines, Faisalabad 38000, Pakistan. +92 306 9812971
• Email support@litiqo.com. Hours: Monday to Saturday, 9:00 am to 6:00 pm (PKT).

Have your account or business name, the date of the charge and the amount. That is enough for us to find the payment immediately.

When to raise a dispute

• You were charged after cancelling
• You were charged twice for the same period
• You were charged an amount other than the agreed subscription price
• Your payment went through but the account was never activated
• The platform was unavailable for a sustained period and could not be restored
• You were charged at the end of a free trial you had cancelled
• You did not authorise the transaction

Raise it with us within 15 days of the charge. Your separate right to approach your issuing bank is not limited by that. Card scheme rules normally allow up to 120 days from the transaction date, and nothing here reduces it.

What we will ask for

Your account or business name, the date and amount, the transaction reference if you have it, and a short description of what went wrong.

We will never ask you for your full card number, CVV, PIN or your Litiqo password. If someone contacts you claiming to be Litiqo and asks for those, it is not us. Report it to the numbers above and to your bank.

How we investigate

• Acknowledgement — within 2 working days, confirming what we have understood.
• Investigation — we check the subscription record, billing history, activation record and platform access logs.
• Decision — in writing, with the reason.
• Resolution — a refund, an account credit, or the service restored, as fits.

If it will take longer than 7 working days we tell you why and give you a revised date rather than leaving you waiting.

Refunds

Approved refunds go back to the original card. We cannot refund to a different card, to a bank account or in cash, because card scheme rules require a refund to reverse along the original payment path. Timings are in the Refund Policy.

Unauthorised transactions

Contact your issuing bank immediately to block the card, then tell us. We cooperate fully with the bank’s investigation and provide the transaction and account records they request.

Effect on your account

A chargeback does not automatically close your account. While a payment is reversed the subscription it covered is unpaid, so access may be suspended until the matter is settled. Your data is not deleted during a dispute. We would rather resolve the billing question and keep you running.

If you disagree with our decision

• Ask us in writing to have a manager review it.
• Raise a formal chargeback with your issuing bank.
• For complaints about the conduct of a bank rather than of this merchant, the Banking Mohtasib Pakistan handles complaints against banks in Pakistan.

We respond to every chargeback notification within the timeframe the bank sets and supply the documentation requested. Where a chargeback is upheld against us, we accept the reversal.

Reducing disputes

Most subscription disputes come from an unexpected renewal. We send a written confirmation when you subscribe, a reminder before each renewal, a receipt after each payment, and we use a clear statement descriptor. If a charge ever puzzles you, call us before calling your bank.

We may update this page. The version in force is the one published here. Changes do not affect disputes already raised.

Entity: Medixcart FZC LLC, United Arab Emirates. Pakistan merchant of record: Uniform Impex. Effective: 18 September 2026.