Would give SHOPIFY and AFFIRM a 0 for refunding monies, I would!!! They say dispute with seller company. Then if you don't get any type of resolution before the 130 days, then you are money lost or credit unworthiness to them. Had several successful buys, but if you are looking g to them to get your money back, it will be a mess!!! Orders totaling almost $500 I didn't receive but yet they don't want to give e up the monies. It's not fair to the buyer to deal with ALL this BS from these companies. Affirm and Shopify, yes you are a company also to be put in that category
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