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Payment & Refund Policy

Last updated: 2025-01-01
·By Platform Admin

PAYMENT AND REFUND POLICY

EFFECTIVE DATE: January 1, 2025

1. PAYMENT METHODS

The platform accepts the following payment methods (subject to availability in your region):

1.1 BANK TRANSFER

  • Account details are provided by the Platform Owner upon request
  • Users must upload proof of payment for manual verification
  • Access is granted only after payment is confirmed by an administrator
  • Processing time: 1–3 business days

1.2 PAYMENT GATEWAY (PAYSTACK / FLUTTERWAVE)

  • Payments are processed through secure third-party payment gateways
  • All transactions are verified server-side only; no client-side payment validation
  • Webhook validation is required for all automated payment confirmations
  • Access is granted automatically upon confirmed payment

1.3 CRYPTOCURRENCY

  • Accepted crypto wallets and networks are specified by the Platform Owner
  • Users must provide a transaction hash or payment proof
  • Verification may be manual or semi-automated at the Platform Owner's discretion
  • Processing time depends on blockchain network confirmation

2. BILLING AND SUBSCRIPTION

2.1 SUBSCRIPTION PLANS

  • Subscription fees are charged according to the selected billing cycle (monthly or annual)
  • Access to premium features activates immediately upon confirmed payment
  • Subscriptions renew automatically unless cancelled before the renewal date
  • No prorated refunds are issued for unused portions of a billing period

2.2 ONE-TIME PAYMENTS

  • One-time payments grant access to specific features or content for the period specified
  • These are non-recurring and non-transferable

3. REFUND POLICY

3.1 GENERAL RULE

All payments are final. The Platform Owner does not offer refunds as a general policy.

3.2 REFUND ELIGIBILITY (EXCEPTIONAL CASES)

Refunds may be considered solely in the following circumstances:

  • Duplicate payment due to a verified technical error
  • Non-delivery of service caused entirely by platform failure (not user error)
  • Refund required by applicable consumer protection law

3.3 NON-REFUNDABLE SCENARIOS

The following are not eligible for refund:

  • Change of mind
  • Failure to cancel before renewal
  • Partial use of a subscription period
  • Account suspension or termination due to policy violation
  • Dissatisfaction with AI-generated content quality

3.4 REFUND PROCESS

Eligible refund requests must be submitted within 7 days of the payment date through the designated support channel. The Platform Owner's decision on all refund requests is final.

4. DISPUTED CHARGES

Users who believe a charge is in error must contact the Platform Owner before initiating a chargeback with their bank or payment provider. Initiating a chargeback without prior contact may result in immediate account suspension.

5. PRICING CHANGES

The Platform Owner reserves the right to modify pricing at any time with reasonable advance notice. Existing active subscriptions will not be affected until the next renewal cycle.

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