Please you are kindly requested not to post sensless replies which might hurt someone . . .
Do you know what an unpredictable event is ? lightning is considered a natural cause and no, it wont exclude liabilities, at least in this case.
Hackers hacked the site and changed them? How will you prove it in the court?
@OP , are you sure you refunded the total amount of money? Also what product are we talking about? There are different scenarios where (30 %) the buyer can win the trail but in this case (70 %) you are a winner
In international trade, where millions of dollars contracts are done, if you give back the money to the buyer, he can sue you and win? How? well here it is:
He can pretend he took a loan from someone he knows (everything can be well documented) for that purchase and the interest rate is quite high, so you give back to him money but he doesnt need money, he needs those products to make a larger profit and pay back the other guy he took the money from
So in this scenario, the arbitration would be against you and most probably you would give the products + the money back, but in your case, nothing will happen, at least from what you shared here
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