Refund & Payment Policy

Last updated: 2/3/2026

This Refund & Payment Policy explains our policies regarding payments, refunds, chargebacks, and payment processing. Please read this policy carefully before making any purchase.

1. Payment Processing

All payments are processed by third-party payment processors. We do not store full credit card numbers or sensitive payment information on our servers.

1.1 Payment Processors

We use the following payment processors:

• Stripe: Credit card and debit card payments

Your use of these payment processors is subject to their respective terms and conditions and privacy policies.

1.2 Payment Authorization

By making a payment, you authorize us and our payment processors to charge your payment method for:

• Subscription fees
• One-time purchases
• Renewal fees (for subscriptions)
• Any applicable taxes and fees

1.3 Payment Failures

We are not responsible for failed or reversed payments due to:

• Insufficient funds in your account
• Expired or invalid payment methods
• Issues with your bank or financial institution
• Payment processor errors or technical issues
• Fraud prevention measures
• Network or connectivity issues

If a payment fails, you are responsible for updating your payment information and ensuring sufficient funds are available.

2. Refund Policy

2.1 General Refund Policy

All sales of digital content and subscriptions are final. We do not offer refunds except as required by law or as specified below.

Due to the nature of digital goods and services, once content is delivered or a subscription is activated, refunds are generally not available.

2.2 No Refunds For

We do not provide refunds for:

• Subscription fees (active or expired)
• Unused subscription time
• One-time purchases of digital content
• Access to AI models or AI-generated content
• Change of mind or dissatisfaction with content
• Failure to use the Services
• Account suspension or termination due to policy violations

2.3 Payment Processor Refund Rules

Refund eligibility and processing are subject to the policies of our payment processor:

• Stripe: Refunds are subject to Stripe's refund policy and terms. We will process refund requests in accordance with Stripe's requirements.

Payment processors may have their own refund policies, processing times, and requirements that we must follow.

2.4 Exceptional Circumstances

Refunds may be considered only in exceptional circumstances at our sole discretion, such as:

• Technical Errors: If a technical error on our part prevents you from accessing purchased content for more than 48 hours, and we are unable to resolve the issue
• Duplicate Charges: If you are charged multiple times for the same transaction due to a Platform error
• Unauthorized Transactions: If you can demonstrate that a transaction was unauthorized and you reported it promptly
• Legal Requirements: If required by applicable consumer protection laws in your jurisdiction

To request a refund for exceptional circumstances, contact us at support@starfanai.com within 14 days of the transaction date, providing:

• Transaction details (date, amount, transaction ID)
• Reason for refund request
• Supporting documentation (if applicable)

We will review refund requests on a case-by-case basis. Approval is not guaranteed.

2.5 Refund Processing Time

If a refund is approved, processing times vary by payment method and processor:

• Credit/Debit Cards: 5-10 business days (subject to payment processor and bank processing times)

Refunds will be issued to the original payment method used for the transaction.

3. Chargebacks and Payment Disputes

3.1 Chargeback Policy

Filing a chargeback or payment dispute without first contacting us may result in immediate account suspension or termination.

If you have a payment issue, please contact us directly at support@starfanai.com before initiating a chargeback. We are committed to resolving payment issues fairly and promptly.

3.2 Consequences of Chargebacks

If you file a chargeback or payment dispute, we may:

• Immediately suspend or terminate your account
• Permanently ban you from the Platform
• Take legal action to recover costs and fees
• Report the incident to credit bureaus and payment processors
• Withhold or reverse any pending payouts (for creators)

3.3 Fraud Prevention

We take fraud prevention seriously. Chargebacks may be investigated for fraud, and we reserve the right to:

• Challenge fraudulent chargebacks
• Provide evidence to payment processors
• Pursue legal action against fraudulent users
• Report fraud to law enforcement

4. Subscription Terms

4.1 Automatic Renewal

Subscriptions automatically renew unless cancelled before the renewal date. You authorize us to charge your payment method for each renewal period.

4.2 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period.

No refunds are provided for unused subscription time. You will continue to have access until the end of your current billing period.

4.3 Subscription Changes

If you upgrade or downgrade your subscription, changes take effect immediately. Prorated refunds or credits are not provided for downgrades.

5. Payouts (For Creators)

5.1 Payout Schedule

Payouts are processed according to our published schedule (typically monthly or bi-weekly). Minimum payout thresholds apply.

5.2 Payout Delays

Payouts may be delayed or withheld due to:

• Pending chargebacks or payment disputes
• Fraud investigations
• Policy violations
• Legal or regulatory requirements
• Payment processor requirements

5.3 Payout Reversals

We reserve the right to reverse payouts if:

• A chargeback is filed
• Fraud is detected
• A policy violation is discovered
• Legal action is required

6. Currency and Taxes

6.1 Currency

All prices are displayed in the currency selected at checkout. Currency conversion rates are determined by payment processors and may vary.

6.2 Taxes

You are responsible for any applicable taxes, duties, or fees imposed by your jurisdiction. Prices may not include taxes unless required by law.

We may be required to collect and remit taxes in certain jurisdictions. Taxes will be added to your purchase price where applicable.

7. Dispute Resolution

If you have a payment dispute, please contact us at support@starfanai.com with:

• Transaction details
• Description of the issue
• Supporting documentation

We will investigate and respond within 5-10 business days. We are committed to resolving disputes fairly and in accordance with applicable laws.

8. Limitation of Liability

We are not liable for any loss or damage resulting from:

• Payment processor errors or failures
• Bank or financial institution issues
• Fraudulent transactions (beyond our reasonable control)
• Technical errors preventing payment processing
• Currency conversion issues
• Tax calculations or obligations

Our total liability for payment-related claims shall not exceed the amount you paid to us in the 12 months preceding the claim.

9. Changes to This Policy

We may update this Refund & Payment Policy from time to time. Material changes will be communicated through:

• Email notification to registered users
• Prominent notice on the Platform
• Updated "Last updated" date

Your continued use of the Services after changes become effective constitutes acceptance of the updated Policy.

10. Contact Us

If you have questions about payments, refunds, or this Policy, please contact us at:

Email: support@starfanai.com

Payment Support: payments@starfanai.com