The Merchant agrees that payment made in respect of any Customer Order, in respect of which the Customer or Issuing Bank raises a claim, demand, dispute or chargeback on Agreepay or the Facility Providers for any reason whatsoever or in case of refund initiated by the Merchant shall be the financial responsibility of the Merchant. The chargeback or refund shall be processed as per the set processes of Facility Providers and Agreepay. The Merchant hereby agrees that all Refunds and Chargebacks shall be the sole responsibility of the Merchant and Aggrepay shall not be liable for any claims or disputes which may arise in connection with such Refunds or Chargebacks to the Merchant or its Merchants.