Chargeback Notice

Effective Date: June 25, 2026

This Chargeback Notice ("Notice") applies to all purchases made through the Vertical Aminos website, owned and operated by Vertical Collective, LLC ("Vertical Collective," "we," "our," or "us"). It supplements and should be read together with our Purchase Terms & Conditions and Refund & Return Policy. By placing an order, you acknowledge that you have read, understood, and agree to this Notice.

1. Purpose of This Notice

This Notice explains your obligations regarding payment disputes and the consequences of initiating an unauthorized or unwarranted chargeback against Vertical Collective, LLC.

A chargeback is a request by a cardholder to their bank, credit-card issuer, or payment processor to reverse a transaction. While chargebacks exist to protect consumers against legitimate fraud, the unauthorized or bad-faith use of the chargeback process; sometimes called "friendly fraud" causes substantial harm to merchants and is treated seriously under this Notice.

2. Statement Descriptor: How Charges Appear

Charges from your purchase will appear on your card statement as "VERTICAL COLLECTIVE LLC" or a similar abbreviation, not as "Vertical Aminos." If you do not recognize a charge by this name, please review your order history at verticalaminos.com or contact support before contacting your bank.

Failure to recognize the descriptor is not valid grounds for a chargeback and will be contested.

3. Authorization at Time of Purchase

When you complete checkout, you affirmatively authorize Vertical Collective, LLC to charge your payment method for the full amount of your order, including product cost, applicable taxes, shipping, and any fees disclosed at checkout.

Your acceptance of our Purchase Terms & Conditions at checkout, required to submit an order constitutes:

A binding electronic agreement to the charge Acknowledgment that you have read and understood this Notice An affirmative representation that you are the authorized cardholder An affirmative representation that you intend the charge to be processed This record will be preserved and produced in any chargeback dispute.

4. Pre-Dispute Requirement - Contact Us First

If you have any concern, question, or complaint about your order — including but not limited to product condition, shipment delays, charges you don't recognize, unauthorized purchases on your account, or any other issue; you are required to contact our customer support team and exhaust the claim process described in our Refund & Return Policy before initiating a chargeback or payment dispute.

To contact us:

Email: support@verticalaminos.com Subject line: Order Issue - [Your Order Number] Response time: three (3) business days Most issues - including the vast majority of perceived billing problems, shipping delays, and product concerns — can be resolved promptly through this channel.

5. Consequences of an Unauthorized Chargeback

Filing a chargeback without first attempting to resolve the matter directly with us through the process in §4 constitutes a material breach of our Purchase Terms & Conditions and this Notice. The following consequences apply:

5.1 Immediate Account Action

Your customer account will be immediately and permanently terminated All current and future orders associated with you, your payment method, your email address, your shipping address, or any household member will be rejected indefinitely Any unused store credit, loyalty points, affiliate balances, or open orders will be forfeited

5.2 Dispute Representment

We will contest the chargeback using all available documentation, including but not limited to:

The order record and itemized invoice Your IP address and device fingerprint at time of purchase Email and account verification records Your affirmative acceptance of our Terms at checkout (timestamped) Carrier tracking, delivery confirmation, and (where applicable) signature All written correspondence between you and our support team Records of past completed orders under the same identity, where applicable Payment processor authorization and fraud-screening results

5.3 Cost Recovery

You agree that any chargeback determined to be unauthorized, bad-faith, or fraudulent entitles Vertical Collective, LLC to recover:

A chargeback handling fee of $25.00 per disputed transaction to cover administrative costs Any fees charged to us by our payment processor in connection with the dispute The original purchase amount, where the product was delivered and not returned Reasonable costs of collection, including attorney's fees, where pursued These amounts may be invoiced separately, deducted from any store credit, loyalty balance, or pending order, and/or pursued through any legally available collection method.

5.4 Fraud Reporting

Customers determined to have filed fraudulent chargebacks may, at our discretion, be reported to:

Third-party fraud-prevention databases used by merchants and processors (e.g., Ethoca, Verifi, Kount) Card networks for inclusion in negative-cardholder lists Law-enforcement authorities where the conduct may constitute a crime under federal or state law.

6. Unauthorized Use of Your Card

If you believe your card was used to place an order on this website without your authorization (e.g., the card was stolen, the account was compromised, or a household member placed the order without your knowledge):

Contact us immediately at support@verticalaminos.com with the order number and a description of the unauthorized use We will work with you in good faith to investigate, including reviewing IP, device, and address records Confirmed cases of actual unauthorized use will be refunded without dispute and the matter handled directly between us, not through your bank Filing a chargeback in lieu of contacting us first even where unauthorized use is later established, may still trigger the consequences in §5 because the dispute process disadvantages all merchants and bypasses faster direct resolution.

7. Shipping & Delivery Disputes

Once a shipment has been transferred to the carrier and delivery is confirmed by the carrier's tracking system, the transaction is considered complete for chargeback purposes. Disputes related to:

Lost or stolen packages after carrier confirmation of delivery Packages refused at delivery without prior authorization Packages returned as undeliverable due to a customer-provided incorrect address Carrier-caused delays, customs holds, or weather events are not valid grounds for a chargeback against Vertical Collective, LLC. These matters must be resolved with the carrier directly or through the procedures in our Refund & Return Policy.

8. Quality, Product, or Research-Outcome Disputes

Because all products are sold strictly for laboratory research and we have no control over their use after delivery, dissatisfaction with research outcomes, perceived product performance, or change of mind is not a valid basis for a chargeback.

If you believe a product was damaged in transit, incorrect, or defective on arrival, the exclusive remedy is the claim process described in our Refund & Return Policy, subject to the seven (7) day claim window.

9. Manual Payment Methods

For orders paid via Zelle, Venmo, Cash App, ACH, wire transfer, cryptocurrency, or any other non-card method, the chargeback process does not generally apply. Disputes regarding these payments must be resolved directly with us through the claim process in our Refund & Return Policy. Refunds for non-reversible payment methods may, at our discretion, be issued as store credit only.

10. Subscription & Recurring Charges

Vertical Aminos does not currently offer subscriptions or recurring billing. Any charge appearing on your statement after your last completed order should be reported to us immediately before disputing — it is most likely the result of a delayed authorization, a pending refund, or fraud unrelated to our systems.

11. Right to Modify Order Acceptance

Following any chargeback; whether ultimately resolved in our favor or in yours, Vertical Collective, LLC reserves the right to:

Refuse all future orders from you, indefinitely Require prepayment by non-reversible methods only for any future business Require additional identity verification before processing any future order

12. Governing Law & Dispute Resolution

This Notice is governed by the laws of the State of Wyoming, without regard to its conflict-of-law principles. Any dispute arising from or related to a chargeback, this Notice, or our enforcement of cost-recovery provisions shall be resolved as set forth in our Purchase Terms & Conditions, including any applicable arbitration provisions therein.

13. Changes to This Notice

Vertical Collective, LLC reserves the right to modify this Chargeback Notice at any time without prior notice. The version posted on this website at the time your order is placed shall govern that order.

14. Acknowledgment

By completing checkout on the Vertical Aminos website, you acknowledge that you have read this Chargeback Notice, understand the obligations and consequences described, and agree to resolve any payment-related concerns by contacting support@verticalaminos.com before initiating a chargeback or payment dispute with your bank, card issuer, or payment processor.

15. Contact

Vertical Collective, LLC Email: support@verticalaminos.com Subject line: Order Issue — [Your Order Number]