Refund & Cancellation Policy

1. Overview

This Refund & Cancellation Policy explains the terms and conditions for subscription cancellations, refunds, and payment processing for both Consumers and Creatives on the Spaidz platform.

By using Spaidz, you agree to the terms outlined in this policy.

2. Consumer Subscription ($14.99/month)

2.1 Subscription Terms:

• Monthly subscription fee: $14.99
• Billed on the same day each month
• Automatic renewal unless cancelled
• Access to full content library
• Eligibility to earn CPI (Consumer Payout Incentive)

2.2 Billing Cycle:

• First charge occurs immediately upon subscription
• Subsequent charges occur on the same calendar day each month
• If day doesn't exist in a month (e.g., 31st), billing occurs on last day of month
• Subscription remains active until end of current billing period after cancellation

3. Consumer Subscription Cancellation

3.1 How to Cancel:

• Navigate to Profile → Account Settings → Subscription
• Click "Cancel Subscription"
• Confirm cancellation
• Receive confirmation email

3.2 Cancellation Timing:

• Cancel anytime before next billing date
• Access continues until end of current billing period
• No partial month refunds
• CPI earnings remain available for withdrawal

3.3 Effect of Cancellation:

• Lose access to content library at end of billing period
• Cannot earn new CPI after cancellation
• Existing CPI balance remains withdrawable
• Can resubscribe at any time

3.4 Automatic Renewal:

• Subscriptions auto-renew unless cancelled
• Email reminder sent 7 days before renewal
• Cancel at least 24 hours before renewal to avoid next charge

4. Consumer Subscription Refunds

4.1 General Refund Policy (non-refundable):

• All Consumer subscription fees (monthly or yearly) are non-refundable once the billing period begins
• No refunds for partial months or years, unused time, or early account deletion
• Cancelling your Spaidz account does not refund subscription fees already paid
• Cancelling in Settings → Apple Account → Subscriptions (or Stripe) stops future renewals only—not past charges
• No prorated credits when you cancel mid-cycle

4.2 Limited exceptions (refunds may be granted at Spaidz's discretion):

• Unauthorized charges (report within 60 days)
• Duplicate charges or clear billing errors
• Account compromise or fraudulent activity verified by Spaidz
• Technical issues preventing platform access for more than 7 consecutive days (Consumer subscription only)

4.3 Refund Request Process:

• Email: Refunds@Spaidz.com
• Include: Account email, transaction date, reason for refund
• Response within 5-7 business days
• Approved refunds processed within 10-14 business days

4.4 Refund Method:

• Refunds issued to original payment method
• Credit card refunds: 5-10 business days
• Bank transfers: 7-14 business days
• Processing time depends on financial institution

5. Creative Submission Review Fee (per title)

5.1 Fee Terms:

• One-time fee per submitted title to begin Spaidz review
• Single title: $499 (reference price; actual charge set in App Store Connect)
• Series title: $799 (reference price; actual charge set in App Store Connect)
• Paid after you submit upload metadata and media from the app
• Covers human and technical review of your submission—not a guarantee of acceptance
• The first year of catalog availability after QC approval is included in this fee (see Section 5.5)

5.2 Refund Policy:

• Non-refundable once review has begun
• If a title is rejected during review, the fee is not refunded because it covers the review process, not acceptance
• If the submission is cancelled before review starts, a refund may be granted at Spaidz's discretion
• In some instances a credit toward resubmission is offered instead of a cash refund
• No refunds solely because you delete your Spaidz account, stop using the platform, or disagree with a rejection decision

5.3 Legacy annual onboarding:

• Accounts that paid the former yearly Creative onboarding fee before per-title review fees apply under the terms in effect at payment

5.4 Payment failures:

• Title remains in pending state until the Submission Review Fee succeeds
• Contact Support@Spaidz.com if payment fails repeatedly

5.5 Catalog term and continuation:

• After QC approval, a title remains available on Spaidz for one year; the first year is included in the Submission Review Fee
• Continuation is not automatic; Spaidz emails typically 60, 30, and 14 days before year end
• If the title had meaningful watch activity (UP Pay, completed views, or an active CPI plan), the next-year continuation fee is waived
• If there was no meaningful watch activity, a $399 USD catalog continuation fee per title per year keeps it stored and available
• If the Creative does not renew, the title is delisted from browse, search, and discovery; files may be retained up to 30 days, then may be deleted
• Catalog continuation fees are non-refundable once the new year of availability begins
• This does not limit removal for rights, law, or policy, or the Creative’s right to request removal under Terms §6.3

6. CPI (Consumer Payout Incentive) Deposits

6.1 CPI Deposit Terms:

• Creatives deposit funds to pay Consumers for watching content
• Minimum deposit: $50
• Maximum deposit: $10,000 per transaction
• 5% processing fee applied to all deposits

6.2 Processing Fee:

• 5% fee deducted from deposit amount
• Example: $1,000 deposit = $950 available balance + $50 fee
• Fee is non-refundable
• Fee covers payment processing and platform costs

6.3 CPI Deposit Refunds:

• REFUNDABLE if:
• Funds not yet allocated to content
• No CPI payments made to Consumers
• Requested within 30 days of deposit

• NON-REFUNDABLE if:
• Funds allocated to content (even if not paid out yet)
• CPI payments already made to Consumers
• More than 30 days since deposit

6.4 Refund Process:

• Email: CPI@Spaidz.com
• Include: Account email, deposit date, amount
• Processing fee (5%) is non-refundable
• Refund of net amount only (deposit minus 5% fee)
• Processed within 10-14 business days

7. CPI Withdrawals (Consumer Earnings)

7.1 Withdrawal Terms:

• Minimum withdrawal: $10
• No maximum withdrawal limit
• No withdrawal fees
• Processed via Stripe Connect (US bank) or PayPal (USD to a saved email)

7.2 Withdrawal Process:

• Navigate to My Earnings → Withdraw
• Enter withdrawal amount
• Choose US bank (Stripe Connect) or PayPal
• Receive confirmation email

7.3 Processing Time:

• Standard: 2-5 business days
• Instant (if available): Within minutes (may have fee)
• First withdrawal: May take up to 7 business days for verification

7.4 Withdrawal Restrictions:

• Must have a verified US bank via Stripe Connect, or a saved PayPal email for USD
• Account must be in good standing
• No pending fraud investigations
• Minimum account age: 7 days

8. UP (User Percentage) Payouts (Creative Earnings)

8.1 UP visibility: Your UP (subscription share) balance is visible in the app as it accrues so you can track performance month to month.

8.2 Withdrawal hold: For platform treasury and chargeback protection, UP transfers are not available until 90 calendar days after the last calendar day of the month those UP earnings relate to, with eligibility beginning at 00:00 UTC on that date (then you may request transfer). Bank or debit timing depends on Stripe; PayPal USD usually arrives within minutes.

8.3 Minimum / frequency: Subject to Stripe, PayPal, and fraud checks, UP transfers may have a minimum threshold (see UP Pay™ payout). Use Request payout for a past month once its hold has ended.

8.4 Method: US bank payouts use Stripe Connect. You may also save a PayPal email for USD Business Payouts. Instant or debit-card style payouts may be offered when supported by Stripe and enabled for your account. We do not send directly to foreign bank accounts.

8.5 Disputes: Report discrepancies within 30 days. Email: Payouts@Spaidz.com with month, expected amount, and actual amount. Resolution within about 10 business days.

9. Failed Payments and Payment Issues

9.1 Consumer Subscription Failures:

• Email notification sent immediately
• 3-day grace period to update payment method
• Account suspended after 3 days
• Account terminated after 14 days of non-payment
• Must pay outstanding balance to reactivate

9.2 Submission Review Fee Failures:

• Title stays queued until payment succeeds
• 24-hour hold on payment retry may apply
• Contact Support@Spaidz.com for assistance

9.3 CPI Deposit Failures:

• Transaction cancelled
• No funds added to CPI balance
• Can retry immediately with different payment method

9.4 Updating Payment Information:

• Profile → Payment Methods → Update
• Changes take effect immediately
• Previous payment method removed after successful update

10. Chargebacks and Disputes

10.1 Chargeback Policy:

• Contact us BEFORE filing chargeback with bank
• Chargebacks may result in immediate account suspension
• Chargeback fees ($15-$25) may be charged to account

10.2 Dispute Resolution:

• Email: Disputes@Spaidz.com
• Include: Transaction details, reason for dispute
• Response within 3-5 business days
• Most disputes resolved without chargeback

10.3 Effect of Chargebacks:

• Account suspended pending investigation
• Access to platform restricted
• Earnings frozen until resolution
• Account may be terminated for fraudulent chargebacks

10.4 Legitimate Chargebacks:

• Unauthorized charges: Account reinstated after verification
• Billing errors: Corrected and account restored
• Fraudulent activity: Full investigation and resolution

11. Refunds Upon Account Termination

11.1 Voluntary account deletion or early cancellation:

• Consumer subscription fees already paid: non-refundable (current and prior billing periods)
• Submission Review Fees already paid for titles where review has begun: non-refundable
• Deleting your Spaidz account does not trigger refunds for either fee
• Cancel Apple App Store or Stripe auto-renewal separately to avoid future consumer subscription charges
• CPI wallet balance: withdrawable per Section 7 if eligible
• UP earnings: subject to the 90-calendar-day (from month-end, UTC) UP withdrawal hold; eligible amounts paid after holds clear

11.2 Involuntary Termination (Violations):

• No refunds for any subscription or Submission Review Fees paid
• CPI balance: May be forfeited for fraud
• UP earnings: Withheld if content violated Terms
• Content removed from platform

11.3 Platform Shutdown:

• Spaidz may provide pro-rata or unused-time refunds only if required by law or announced in a shutdown notice
• CPI balances paid out in full where applicable
• UP earnings paid out per normal holds where applicable
• 30-day notice provided when feasible

12. Contact Information for Refunds & Cancellations

For questions or requests regarding refunds and cancellations:

General Inquiries: Support@Spaidz.com
Refund Requests: Refunds@Spaidz.com
CPI Issues: CPI@Spaidz.com
Payout Issues: Payouts@Spaidz.com
Disputes: Disputes@Spaidz.com

Spaidz, Inc.
10000 Lincoln Drive East, Suite 201
Marlton, NJ 08053

Phone: (323) 747-1442
Response Time: 3-5 business days