Billing Descriptor Disclosure

Purpose

Modern Research Labs LLC is committed to maintaining transparency in all payment transactions. This policy ensures customers are informed of the billing descriptor that will appear on their credit card or bank statements, helping reduce customer confusion, unnecessary chargebacks, and payment disputes.

Policy

At the time of publication of this policy, Modern Research Labs LLC has not yet activated live card processing.

Official billing descriptor: PENDING ASSIGNMENT BY PAYMENT PROCESSOR

Prior to accepting live credit or debit card payments, this policy will be updated with the exact billing descriptor assigned by the payment processor.

Once activated, the identical billing descriptor will be displayed in the following locations:

• Checkout page
• Payment Information or FAQ page
• Order confirmation emails, where applicable
• This Billing Descriptor Disclosure Policy

Customers should verify that the descriptor appearing on their statement matches the information published by Modern Research Labs LLC. Any questions regarding a transaction should be directed to our Compliance Team before initiating a payment dispute.

Compliance

This policy supports Visa, Mastercard, acquiring bank, and payment processor transparency requirements intended to reduce friendly fraud, chargebacks, and customer confusion.

Contact

Questions may be directed to: compliance@modernresearchlabs.co