This has been discussed in-depth many times and since it keeps coming up, I will post the reason here.
Many sites offer post-sale protection plans or insurance plans. These are plans where the buyer or seller can pay extra to gain additional protection in case the account they purchased is recovered or the payment is disputed. While these plans appear to be a great additional service, they are in fact fake protection plans and offer no additional protection in most cases.
Sites that offer these plans involve themselves directly in the sale in a financial manner. This creates a bias anytime a problem is reported. The website is now directly involved in the outcome of the dispute and will always lookout for its own financial self interest. In the vast majority for reported cases, the website will side with the user where the website will not lose money.
This means the "investigation" is a fraud and will not be investigated properly. The main goal is to close the dispute asap and not have to pay out money.
This creates a condition where the extra insurance that was purchased is actually worthless. Not only was the user scammed, but they paid extra money for fake insurance.
Secondly, these insurance or protection plans don't actually offer any extra protection. There is no way for a site or anyone to guarantee an account purchased isn't recovered or a payment isn't disputed/chargebacked. So these plans don't actually offer extra protection. The only thing these plans do is provide comfort to the user before the sale. However if that user ever needs to rely on the plan, they will find out they don't have enough evidence or are flat out denied. I'm not saying 100% of the time, but the vast majority of the time.
EpicNPC does not offer these fake issuance or protection plans for the following reason.
1) Our investigations are thorough and unbiased. We have no financial incentive in the outcome of the dispute, so we can investigate fully and properly.
2) Our Trade Guardian middleman fee is much lower than other sites because we don't pretend to offer these fake plans.
3) We think our communities trust if more valuable then making more money. Yes, we could add these fees and greatly increase earnings, but morally I can't do that. It would compromise our decisions and we would lose trust from our community.
Many sites offer post-sale protection plans or insurance plans. These are plans where the buyer or seller can pay extra to gain additional protection in case the account they purchased is recovered or the payment is disputed. While these plans appear to be a great additional service, they are in fact fake protection plans and offer no additional protection in most cases.
Sites that offer these plans involve themselves directly in the sale in a financial manner. This creates a bias anytime a problem is reported. The website is now directly involved in the outcome of the dispute and will always lookout for its own financial self interest. In the vast majority for reported cases, the website will side with the user where the website will not lose money.
This means the "investigation" is a fraud and will not be investigated properly. The main goal is to close the dispute asap and not have to pay out money.
This creates a condition where the extra insurance that was purchased is actually worthless. Not only was the user scammed, but they paid extra money for fake insurance.
Secondly, these insurance or protection plans don't actually offer any extra protection. There is no way for a site or anyone to guarantee an account purchased isn't recovered or a payment isn't disputed/chargebacked. So these plans don't actually offer extra protection. The only thing these plans do is provide comfort to the user before the sale. However if that user ever needs to rely on the plan, they will find out they don't have enough evidence or are flat out denied. I'm not saying 100% of the time, but the vast majority of the time.
EpicNPC does not offer these fake issuance or protection plans for the following reason.
1) Our investigations are thorough and unbiased. We have no financial incentive in the outcome of the dispute, so we can investigate fully and properly.
2) Our Trade Guardian middleman fee is much lower than other sites because we don't pretend to offer these fake plans.
3) We think our communities trust if more valuable then making more money. Yes, we could add these fees and greatly increase earnings, but morally I can't do that. It would compromise our decisions and we would lose trust from our community.
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