Payment & Refund Policy

1. Introduction

This Payment & Refund Policy explains how payments are processed on the Finveri platform, including subscription services, refund procedures, and your rights as a consumer. This policy should be read alongside our Terms of Service and Privacy Policy.

2. Payment Processing

3. Subscription Services

3.1 Subscription Types

We offer various subscription tiers:

• Basic: Essential platform features
• Premium: Enhanced features and content
• VIP: Full access to all features and exclusive content

3.2 Subscription Billing

• Subscriptions are billed in advance
• Billing cycles are monthly or annually
• Prices are displayed in your local currency when possible
• All prices include applicable taxes where required

3.3 Automatic Renewal

• Subscriptions automatically renew unless cancelled
• You will be charged before each renewal period
• We will send renewal reminders before charging
• You can cancel at any time before the next billing date

3.4 Price Changes

• We may change subscription prices with 30 days' notice
• Existing subscribers will be notified of price changes
• Price changes take effect at your next billing cycle
• You can cancel if you disagree with price changes

3.5 Tributes / Voluntary Payments to Creators

Tributes are voluntary payments from users to creators for entertainment or support. They are part of the platform's community and entertainment offering.

• Tributes are generally non-refundable once completed, except where required by law or in case of technical error or fraud.
• Tributes are processed via the same payment providers (CCBill and Paxum) and are subject to the same security and compliance measures as other payments.
• Refund eligibility for tributes is limited to technical errors, billing errors, or fraudulent use of your payment method; refunds are not provided for change of mind once the payment has been completed.

4. Consumer Rights (UK/EU)

5. Refund Policy

6. Cancellation Policy

6.1 How to Cancel

You can cancel your subscription by:

• Logging into your account and accessing billing settings
• Contacting our customer support team
• Using the cancellation link in billing emails
• Following the cancellation process on our platform

6.2 Cancellation Timing

• Cancellations take effect at the end of your current billing period
• You retain access until your subscription expires
• No partial refunds for unused time (except as specified above)
• Cancellation is immediate for free trials

6.3 Reinstatement

• You can reactivate your subscription at any time
• Previous pricing may not apply to reactivated accounts
• Some content may not be available after reactivation
• Account history is preserved during cancellation

7. Billing and Invoicing

7.1 Billing Information

• Invoices are sent to your registered email address
• Billing information can be updated in your account settings
• Payment receipts are available through your account
• Billing disputes should be reported within 30 days

7.2 Currency and Taxes

• Prices are displayed in your local currency when possible
• Exchange rates are determined by payment processors
• Applicable taxes are included in the displayed price
• Tax invoices are provided where required by law

7.3 Payment Failures

If your payment fails:

• We will attempt to process the payment again
• You will be notified of payment failures
• Service may be suspended until payment is successful
• Multiple failed payments may result in account suspension

8. Dispute Resolution

8.1 Billing Disputes

If you dispute a charge:

• Contact our customer support within 30 days
• Provide details of the disputed charge
• We will investigate and respond within 5 business days
• Escalate to payment processor if unresolved

8.2 Chargebacks

If you initiate a chargeback:

• Your account may be suspended pending resolution
• We will provide evidence to the payment processor
• Chargebacks may result in account termination
• False chargebacks may result in legal action

9. International Payments

9.1 Currency Conversion

• Payments are processed in your local currency when possible
• Exchange rates are determined by payment processors
• Currency conversion fees may apply
• Exchange rate fluctuations may affect pricing

9.2 International Restrictions

• Some payment methods may not be available in all countries
• Local regulations may affect payment processing
• Additional verification may be required for international payments
• Some services may be restricted in certain jurisdictions

9.3 Cross-Border Fees

• International transaction fees may apply
• Fees are determined by your bank or card issuer
• We do not control these fees
• Check with your bank for fee information

10. Security and Fraud Prevention

10.1 Fraud Detection

• We use advanced fraud detection systems
• Suspicious transactions may be flagged for review
• Additional verification may be required
• Fraudulent accounts will be terminated

10.2 Identity Verification

• We may require identity verification for certain transactions
• Government-issued ID may be requested
• Verification helps protect against fraud
• Unverified accounts may have limited functionality

10.3 Account Security

• Use strong, unique passwords
• Enable two-factor authentication when available
• Monitor your account for unauthorised activity
• Report suspicious activity immediately

11. Legal Compliance

11.1 UK Consumer Rights

• Consumer Rights Act 2015
• Consumer Contracts Regulations 2013
• Payment Services Regulations 2017
• Data Protection Act 2018

11.2 EU Consumer Rights

• Consumer Rights Directive
• Payment Services Directive (PSD2)
• General Data Protection Regulation (GDPR)
• E-commerce Directive

11.3 US Consumer Protection

• Federal Trade Commission (FTC) regulations
• Truth in Lending Act
• Electronic Fund Transfer Act
• State consumer protection laws

12. Contact Information

13. Payment Provider Contact

13.1 CCBill

• Website: https://www.ccbill.com
• Support: Available through their website
• Phone: Available on their website

13.2 Paxum

• Website: https://www.paxum.com
• Support: Available through their website
• Phone: Available on their website

14. Updates to This Policy

We may update this Payment & Refund Policy to:

• Reflect changes in our payment processing
• Comply with new legal requirements
• Improve our services
• Address new payment methods

We will notify you of material changes through:

• Platform notifications
• Email updates
• Website announcements

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This Payment & Refund Policy is effective as of the last updated date and supersedes all previous versions.