Refund Policy

Hosts set their own service descriptions, pricing, cancellation windows, and refund terms. Clients should review those terms before booking.

Ottocal mortgage workflow booking links are free and cannot collect booking payments or issue mortgage-service invoices. Any mortgage fee collected outside Ottocal is outside this refund flow and remains subject to the licensed professional's agreements and applicable law.

Refund eligibility may depend on the host's published policy, whether the booking was cancelled within the allowed window, whether a client was a no-show, whether the host failed to deliver the service, and whether law or payment network rules require a different outcome.

• Clients should request refunds directly from the host first.
• Ottocal may assist by relaying requests or processing a refund that the host authorizes.
• Ottocal may issue refunds or reversals directly when required by law, processor rules, fraud review, duplicate charges, or operational error.

If a host issues an invoice through Ottocal, the host remains responsible for the underlying service, invoice accuracy, applicable taxes, and any refund or credit terms stated to the client. Ottocal may reflect invoice status and payment events from third-party processors, but it does not guarantee collection or settlement.

If a client disputes a payment, Ottocal and its payment providers may place a hold on funds, reverse a payout, or collect supporting documentation from the host.

Hosts are responsible for cooperating with dispute requests, supplying supporting evidence, and bearing chargeback-related losses or fees where applicable.

Platform commissions and payment processing fees may be affected by refunds, chargebacks, reversals, or processor rules. If a booking is refunded, Ottocal may return, retain, reverse, or adjust platform fees depending on the reason for the refund, applicable law, payment network rules, processor requirements, and the host's refund settings.

Platform fees, processor fees, and third-party charges may otherwise be non-refundable unless required by law or unless Ottocal determines that a refund is appropriate after review.

When a refund is approved, it is usually sent back to the original payment method through the relevant processor. Timing depends on the processor, payment method, bank, and card network. Ottocal cannot accelerate settlement once a refund has been submitted to the processor.

Ottocal may decline, delay, or investigate refunds where fraud, abuse, duplicate requests, or policy violations are suspected.

Questions about refund handling, payout reversals, or payment disputes can be sent tohello@ottocal.com.