Payment & Refund Policy

1.1 Subscription Terms

• Billing Cycle: Subscriptions are billed monthly on the anniversary of your subscription start date. For example, if you subscribe on the 15th, you will be billed on the 15th of each subsequent month.
• Automatic Renewal: All subscriptions automatically renew at the end of each billing cycle unless canceled. You will be charged the current subscription price at renewal.
• Price Changes: Creators may change subscription prices. You will be notified of any price changes at least 7 days before your next billing cycle, and you may cancel before being charged the new price.
• Access Period: Your subscription benefits remain active until the end of your current paid period, even after cancellation.

1.2 Subscription Refund Policy

• No Prorated Refunds: We do not offer prorated or partial refunds for unused subscription time. When you cancel, you retain access until the end of your current billing period.
• Your Responsibility: You are responsible for managing your subscriptions and canceling before renewal if you no longer wish to continue.
• Billing Errors Only: The only exception is verified billing errors (e.g., duplicate charges). Contact us within 48 hours with proof of the error. Refunds for billing errors are processed from the Creator's account.
• Creator Account Issues: If a Creator's account becomes unavailable, you may cancel to prevent future charges. Past payments are not refundable as services were available at the time of payment.

1.3 How to Cancel Your Subscription

You can cancel your subscription at any time using one of these methods:

• Via Tpylo Dashboard: Go to your Dashboard → Subscriptions → Find the subscription → Click "Cancel Subscription"
• Via Stripe Customer Portal: Access your Stripe billing portal through the link in your subscription confirmation email or from your Tpylo account settings.
• Contact Support: Email us at billing@tpylo.com with your account email and the subscription you wish to cancel.

Important: Cancellation stops future automatic renewals. You will not be charged again, but you will retain access to subscription benefits until the end of your current paid period.

2.1 EU Consumer Rights (14-Day Cooling-Off Period)

In compliance with European Union consumer protection laws, customers in the EU have the right to cancel and receive a full refund within 14 days of purchase under certain conditions:

• Before Download/Access: If you have not downloaded or accessed the digital content, you are entitled to a full refund within 14 days of purchase.
• After Download/Access: By downloading or accessing digital content, you expressly consent to waive your 14-day withdrawal right. A clear notice is displayed before purchase.
• How to Request: Contact support@tpylo.com within 14 days with your order number and reason for cancellation.

2.2 General Refund Policy for Digital Products

This policy is clearly displayed on every product page before purchase. By completing your purchase, you acknowledge that:

• • Digital products cannot be "returned" like physical goods.
• • You have reviewed the product description, preview, and any available samples.
• • You understand the no-refund policy for downloaded content.

2.3 Exceptions — When Refunds Are Granted

Despite the general no-refund policy, we will issue refunds in the following circumstances:

• Defective Products: The file is corrupted, damaged, or cannot be opened with standard software.
• Not as Described: The product significantly differs from its description (e.g., wrong file format, missing promised content).
• Technical Issues: Platform errors prevented delivery or access to the purchased product.
• Duplicate Purchase: Accidental duplicate charges for the same product.
• Fraud: Unauthorized purchase made without your consent.

To request an exception refund, contact support@tpylo.com within 7 days of purchase with your order number and detailed explanation.

5.1 How to Resolve Issues

If you have a payment-related issue, please follow these steps:

1. Contact the Creator First: For product or content issues, reach out to the Creator directly through Tpylo messaging.
2. Contact Tpylo Support: If the Creator doesn't respond within 48 hours or you cannot reach a resolution, email billing@tpylo.com.
3. Provide Documentation: Include your order number, transaction ID, screenshots, and a detailed description of the issue.
4. Wait for Review: Our team will review your case and respond within 3-5 business days.

5.3 Response Times

• Initial Response: Within 24-48 hours (business days)
• Investigation: 3-5 business days for standard cases
• Complex Cases: Up to 14 business days for cases requiring Creator cooperation
• Refund Processing: 5-10 business days after approval (depending on payment method)

6.1 Platform Role Disclaimer

• Marketplace Only: Tpylo provides a technology platform connecting Supporters and Creators. We are not a party to transactions between you and Creators.
• No Guarantee of Creator Conduct: We do not guarantee, endorse, or take responsibility for the actions, products, content, or services of any Creator on the platform.
• No Escrow Services: Tpylo does not hold, escrow, or manage funds. All payments are processed directly to Creators by Stripe or PayPal.
• Third-Party Payment Processors: Stripe and PayPal are independent third-party services. Tpylo is not responsible for their policies, fees, or service interruptions.

6.2 Maximum Liability

In no event shall Tpylo's total liability to you for all claims arising from or related to this policy or your use of the platform exceed the lesser of: (a) the total amount of platform fees you paid to Tpylo in the 12 months preceding the claim, or (b) one hundred US dollars ($100).

This limitation applies regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise.

6.3 Indemnification

You agree to indemnify, defend, and hold harmless Tpylo, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from: (a) your breach of this policy or our Terms of Service; (b) your violation of any applicable law; (c) any fraudulent activity, including but not limited to filing illegitimate chargebacks; or (d) your disputes with Creators.