Scrolling through terms to avoid disputes

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Hello getting more disputes here, one thing the bank requires is that we allow the user to scroll through the terms then accept, but this only opens a link to the terms. We have stated some of the terms at signup but according to the bank we need a scroll then accept function to win a dispute

Also there are no customer signatures when they pay for a service, I am not sure what to provide them as this

Refund and cancellation policy also would be nice, although I have it in terms, they require this

I included a link to Stripe dispute process

I have explained the subscription is automatically renewed until the customer manually cancels the subscription

Do you have any other tools I can use to help win a renewed subscription dispute ?

Thank you

 

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