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data/web/telegram.org/tos/bot-developers.html

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 <p>If your TPA is found to be using alternative payment systems for digital goods and services, you may receive a notice to the Telegram account that owns your TPA. Should you fail to comply with such notices, we may have to make your TPA inaccessible from store versions of Telegram or terminate it from Bot Platform.</p>
 <h5><a class="anchor" name="6-2-1-payment-disputes-for-digital-goods-and-services" href="#6-2-1-payment-disputes-for-digital-goods-and-services"><i class="anchor-icon"></i></a>6.2.1. Payment Disputes for Digital Goods and Services</h5>
 <p>As the purveyor, it is your duty to ensure that the digital products and services in your TPA are delivered as advertised and in a timely manner, as agreed between you and the purchasers. If you are unable to fulfill a purchase, your bot is able to return the Stars to the purchaser in full via the relevant Telegram Bot API method, with no penalty.</p>
-<p>Should a dispute arise concerning any transactions involving digital goods and services sold by your TPA, it is your responsibility to address and rectify the situation. For that reason, all TPA must be able to respond to the command <code>/paysupport</code> and process user requests regarding payment issues. Telegram has no obligation to mediate or be a party to any such disputes between you, the user and any involved third parties. All conflicts and claims must be resolved independently by the parties involved, without recourse to Telegram, which hereby disclaims, and you agree to indemnify from, all liability related to such matters. </p>
+<p>Should a dispute arise concerning any transactions involving digital goods and services sold by your TPA, it is your responsibility to address and rectify the situation. For that reason, all TPA must be able to respond to the command <code>/paysupport</code> and process user requests regarding payment issues. Telegram has no obligation to mediate or be a party to any such disputes between you, the user and any involved third parties. Likewise, you understand and agree that Telegram is not responsible for refund claims initiated via third-parties, including but not limited to third-party payment processors, financial institutions, credit card issuers, the App Store, Google Play and any other similar provider or intermediary. For clarity, all conflicts and claims must be resolved independently by the parties involved, without recourse to Telegram, which hereby disclaims, and you agree to indemnify from, all liability related to such matters. </p>
+<p>Should a payment dispute result in a refund for the purchaser, you, the purveyor, will be responsible for the funds returned to the purchaser, which will be deducted from your TPA’s balance. Accordingly, Telegram expressly discourages the real-time sale of digital products, virtual items and digital services which hold inherent value and cannot be reclaimed, frozen, rescinded, invalidated or suspended following a successful dispute or chargeback by the purchaser.</p>
 <p>Note that your failure to rectify legitimate disputes, as shown by credible reports from users and ultimately at Telegram’s sole discretion, may lead to limitations or penalties being placed on your TPA and your Telegram account. These include, but are not limited to, Stars being debited from your Star balance, permanent removal of your TPA from Bot Platform or from store versions of Telegram, a public <em>SCAM</em> label displayed on your TPA and the termination of your Telegram account.</p>
 <h5><a class="anchor" name="6-2-2-tpa-balance" href="#6-2-2-tpa-balance"><i class="anchor-icon"></i></a>6.2.2. TPA Balance</h5>
 <p>Telegram Stars earned by your TPA are displayed in a balance which you can access from the Telegram account that owns your TPA. Telegram Stars displayed in your balance do not constitute your property, Telegram allows you to receive them in exchange for digital goods and services, but you have no license or title to them except as explicitly set out in these terms. You understand and agree that Telegram is not a financial institution and does not act as a custodian of your funds.</p>