PAYMENT AND REFUND POLICY

Effective Date:

PREAMBLE

This Payment and Refund Policy constitutes an integral component of the Terms and Conditions and Privacy Policy, which collectively form a binding legal agreement between you and our organization.

This document provides comprehensive information regarding payment procedures on our platform, the nature and function of Credits, purchase mechanisms, and the specific circumstances under which refunds may be granted. We strongly advise you to review Sections 4 and 5 with particular attention, as they detail important limitations and procedures concerning refunds.

  1. GENERAL PROVISIONS

    1. This Payment and Refund Policy (hereinafter referred to as the "Policy") governs all payment-related transactions between you and (the "Website", "Platform", "we", "us", "our"). This Policy forms an integral part of our Terms of Service and constitutes a legally binding agreement.
    2. We strongly recommend that you review this Policy thoroughly, with particular emphasis on Sections 4 and 5 regarding refund procedures and limitations. You may wish to retain a copy of this Policy for your records. Should you require clarification on any aspect of this Policy, please contact our support team at .
    3. We reserve the right to modify this Policy periodically without prior notification. Any amendments shall take effect immediately upon publication on the website. Your continued use of our services following the publication of modifications constitutes your acceptance of the revised Policy.
    4. All capitalized terms utilized within this Policy that are not explicitly defined herein shall bear the meanings ascribed to them in our Terms of Service.
    5. Please be advised that non-compliance with this Policy may result in immediate account suspension or permanent termination.
    6. Key Definitions:
      • "Credits" refers to the proprietary virtual currency utilized within to access premium features. Credits possess no intrinsic monetary value outside the Platform
      • "Legal Refund" denotes refunds mandated by applicable law in specific jurisdictions
      • "Optional Refund" refers to refunds that may be granted at our sole and absolute discretion
      • "Chargeback" signifies a payment reversal initiated through your financial institution

  2. PAYMENT PROCESSING

    1. Credits may be purchased through various payment methods available on the Platform, including but not limited to credit/debit cards and alternative payment solutions. Please note that we do not accept gift cards, prepaid cards, or scratch cards as payment methods.
    2. We utilize third-party payment service providers to facilitate transaction processing. We are not a licensed payment institution and do not directly process financial transactions. Payment providers may impose additional charges (including currency conversion fees and transaction fees) for which we bear no responsibility.
    3. Transactions are primarily processed in United States Dollars (USD). Depending on your geographic location, charges may be applied in alternative currencies. Exchange rates are determined exclusively by your payment service provider.
    4. Payment Security Protocols: To enhance transaction security and user experience:
      • Failed transactions may be subject to a single automatic retry attempt
      • We may securely store payment tokens (excluding complete card numbers) for future transactions
      • All payment data is processed in compliance with PCI DSS standards
      • Additional billing verification may be required for security purposes
    5. Identity and Billing Verification: We may require comprehensive verification of your identity and payment method, including:
      • Government-issued identification documents
      • Photographic evidence of your payment card (displaying only the last four digits)
      • Additional documentation as deemed necessary

  3. REFUND POLICY - CRITICAL INFORMATION

    1. Fundamental Principle: All purchases made on are final and non-refundable. However, limited exceptions exist for Legal Refunds (mandated by law) and Optional Refunds (granted at our discretion).
    2. Temporal Limitations for Refund Requests:
      • Credit/debit card transactions: Within one hundred twenty (120) calendar days from the transaction date
      • Alternative payment methods: Within ninety (90) calendar days from the transaction date
      • Certain circumstances require expedited reporting (detailed below)
    3. Utilized Credits are categorically non-refundable except under extraordinary circumstances.

  4. OPTIONAL REFUNDS (DISCRETIONARY)

    1. Unutilized Credits: We MAY, at our sole discretion, provide refunds for the monetary equivalent under the following circumstances:
      1. Inadvertent Purchase:
        • Credits were purchased due to genuine error
        • Notification received within three (3) calendar days
        • No Credits have been utilized
        • This does not constitute a pattern of repeated behavior
      2. Account Termination:
        • Your account has been suspended or terminated
        • Unutilized Credits exceed USD $20.00 in value
        • Termination was not due to Terms of Service violations
      3. Service Failure:
        • We failed to deliver services as specified
        • The failure originated from our systems (not third-party or connectivity issues)
        • The issue was reported in a timely manner
    2. Utilized Credits - Exceptional Circumstances Only: We generally do NOT provide refunds for utilized Credits. Rare exceptions may include:
      1. Unauthorized Transactions:
        • Your payment method was utilized without proper authorization
        • Reported within thirty (30) calendar days of discovery
        • Supporting evidence provided (police report, financial statements)
        • Full cooperation with our investigation
      2. Fraudulent Activity by Another User:
        • Another user engaged in demonstrable fraudulent conduct
        • Reported within thirty (30) calendar days
        • Comprehensive evidence provided (screenshots, communications)
        • Fraud confirmed through our investigation
      3. Technical Malfunctions:
        • Credits were erroneously deducted due to technical error
        • Services were not delivered due to system failure
        • Issue verified by our technical team
    3. Refund Limitations:
      • Maximum of five (5) refund requests per account lifetime
      • Promotional or bonus Credits are categorically non-refundable
      • No refunds for users who violated our Terms of Service
      • Partial refunds may be granted at our discretion
      • Refund amounts shall not exceed the original payment amount

  5. REFUND REQUEST PROCEDURE

    1. Request Submission: Submit your request to including:
      • Your username and registered email address
      • Complete transaction details (date, amount, payment method)
      • Comprehensive explanation of the refund basis
      • All relevant supporting documentation (screenshots, records)
      • Subject line format: "Refund Request - [Username]"
    2. Review Process:
      • Initial acknowledgment within twenty-four (24) to forty-eight (48) hours
      • Additional information may be requested
      • Standard investigation period: seven (7) business days
      • Complex cases may require extended review periods
    3. Documentation Requirements: Depending on circumstances, we may require:
      • Screenshots documenting issues or relevant communications
      • Financial statements demonstrating unauthorized charges
      • Official police reports for fraud or theft claims
      • Technical logs or error notifications
      • Billing verification documentation
    4. Decision and Appeals Process:
      • Decision notification via email
      • Decisions are generally final and binding
      • One appeal permitted with new substantive evidence
      • Approved refunds processed within 5-10 business days

  6. CHARGEBACKS - IMPORTANT NOTICE

    1. Definition of Chargeback: A chargeback constitutes a payment reversal initiated directly through your financial institution rather than through our refund process.
    2. Primary Resolution Method: We strongly encourage direct refund requests prior to chargeback initiation for the following reasons:
      • Direct resolution is typically more expedient
      • More comprehensive evidence can be provided directly to us
      • Chargebacks may result in immediate account suspension
      • Multiple chargebacks may result in permanent service prohibition
    3. Chargeback Consequences:
      • Immediate account suspension pending investigation
      • Permanent prohibition for fraudulent chargebacks
      • Registration with fraud prevention databases
      • Potential legal proceedings for fraudulent claims
    4. Our Rights During Chargeback Proceedings: Upon chargeback initiation, we reserve the right to:
      • Disclose your account information to the payment processor
      • Provide comprehensive evidence of purchases and usage
      • Submit platform communications as evidence
      • Contest the chargeback with all available documentation
    5. Prohibition of Duplicate Refunds: Receiving both a direct refund and a chargeback for the same transaction is strictly prohibited. Such actions may result in legal proceedings for fund recovery.

  7. SPECIAL CIRCUMSTANCES

    1. Death or Permanent Disability:
      • Estate representatives may request pro-rata refunds in cases of user death
      • Permanent disability preventing service utilization may qualify for pro-rata refund
      • Official medical documentation or death certificate required
      • Contact:
    2. Multiple Account Policy:
      • Refunds applicable to primary accounts only
      • Duplicate accounts forfeit all refund eligibility
      • Credits cannot be consolidated between accounts
    3. Promotional Offers:
      • Special promotions may be subject to distinct refund terms
      • Bonus Credits remain categorically non-refundable
      • Package arrangements subject to proportional refunds only

  8. IMPORTANT DISCLAIMERS AND NOTICES

    1. No Guarantee of Refund: Except for statutorily mandated Legal Refunds, we maintain no obligation to provide refunds. Optional Refunds remain entirely at our sole discretion.
    2. Time-Sensitive Nature: Many refund opportunities are subject to strict temporal limitations. Immediate reporting of issues is essential to preserve your rights.
    3. Fraudulent Claims: Submission of false or fraudulent refund requests shall result in:
      • Immediate account termination
      • Forfeiture of all Credits
      • Potential legal proceedings
      • Reporting to appropriate authorities
    4. Currency and Fee Considerations:
      • Refunds processed in original payment currency
      • Exchange rate fluctuations not compensated
      • Banking fees not reimbursable
      • Processing fees may be deducted from refund amount
    5. Finality of Decisions: Our determinations regarding refunds are final and binding. Continued disputes following a final decision may result in account termination.

CONTACT INFORMATION:

For refund inquiries and payment-related matters:






Email:
Legal Department:

Expected Response Times:
• Initial acknowledgment: Within 48 hours
• Standard investigation: 7 business days
• Complex investigations: Up to 30 calendar days

RELATED DOCUMENTS:

By accepting these Terms, you also agree to be bound by the following policies,
which are incorporated herein by reference as if fully set forth: