Refund Policy

DRAFT — FOR COUNSEL REVIEW ONLY. Not legal advice. Align with Stripe terms, consumer laws in your markets, and how you operate Creator commerce before publishing.

Effective date: {{effective_date}}

1. Scope

This Refund Policy explains how ArtInStack (“we,” “us,” “our”) handles refunds and cancellations for:

• Platform subscriptions — recurring fees Creators pay to use ArtInStack; and
• Commerce on Creator sites — purchases your End Customers make from you on sites you operate through the Platform (digital downloads, print-on-demand, courses, events, donations, and similar).

This policy supplements our Terms of Service. Capitalized terms not defined here have the meanings in the Terms.

Important: For End Customer purchases, you (the Creator) are the merchant of record unless we explicitly state otherwise for a specific flow. Your own store policies, licenses, and customer communications govern the buyer relationship. This page describes platform-level rules and what the product actually supports today.

2. General rule: no routine refunds

All fees are earned when charged unless we are required by law to provide otherwise or we expressly agree in writing.

We do not offer:

• A money-back guarantee on Platform subscriptions;
• Partial or pro-rata refunds of subscription fees when you cancel mid-cycle;
• Automatic refunds for digital products or other non-physical goods delivered electronically; or
• A self-service “request refund” workflow for subscription or digital-product charges in the Platform.

If you believe a charge is erroneous, contact [email protected] promptly. We may, in our sole discretion, issue a credit or adjustment—we are never obligated to do so.

3. Platform subscriptions (Creators)

3.1 Billing

Paid plans are billed in advance through Stripe on a monthly or annual cycle shown at checkout. By subscribing, you authorize recurring charges until you cancel.

3.2 Upgrades

When you upgrade an existing paid subscription through account settings, the Platform updates your Stripe subscription and applies Stripe’s billing rules. Upgrades may result in an immediate prorated charge for the difference through the current billing period (proration_behavior is handled by Stripe). Higher-tier capabilities (storage, seats, modules) generally unlock when the upgrade is processed successfully.

3.3 Downgrades and cancellation

When you cancel or schedule cancellation, we set your Stripe subscription to end at the close of the current paid period (cancel_at_period_end). You keep paid features until that date; we do not refund unused time in that period.

Moving to a lower paid tier before period end is not fully automated in the product today—you may need to contact [email protected]. Downgrades typically take effect at the start of your next billing cycle, not retroactively.

After the paid period ends, your account moves to free/Starter limits as described in-product. Your data generally remains available subject to plan limits; some features may be restricted until you subscribe again.

3.4 Trials and free tiers

If we offer a trial or free tier, we may modify or end it at any time. When a trial ends, continued use of paid features requires an active paid subscription. Trial periods do not create a right to a post-trial refund.

3.5 Taxes and invoices

Taxes, where applicable, are calculated by Stripe or our tax tooling at checkout. Invoices and payment history are available through Stripe’s billing surfaces linked from your dashboard.

4. Digital products and other non-physical goods

Digital products, downloads, license keys, course access, and similar non-physical deliverables are final sale unless:

• You (as Creator) voluntarily refund your End Customer outside the Platform; or
• We are compelled by applicable law or a binding payment-network decision (e.g., chargeback outcome).

The Platform does not implement a buyer-facing refund button or automated refund pipeline for digital goods. Delivery is deemed complete when access is granted, files are made available, or the transaction is recorded as paid—whichever occurs first under your product configuration.

Creators are solely responsible for describing refund rules (if any) on their own sites and honoring commitments made to their buyers.

5. Print-on-demand and physical fulfillment

For print orders fulfilled through integrated labs:

• Refunds to End Customers, when available, are initiated by the Creator (or our operational tools on the Creator’s behalf) only while an order remains in an eligible pre-shipment state under our refund rules.
• Once an order is shipped or delivered, it is not refundable through the Platform’s refund tools.
• Lab cancellations, production failures, or carrier issues may be handled case-by-case; we do not guarantee End Customer refunds.

These flows exist to help Creators operate their shops—they do not create a general right for buyers to obtain refunds from ArtInStack for Platform subscription fees or for digital goods.

6. Donations, events, subscriptions you sell, and Connect

If you use fundraising, events, recurring memberships, or Stripe Connect payouts:

• Payout and refund mechanics follow Stripe and your Connect configuration.
• End Customer refund expectations are between you and your buyer, except where Stripe or law requires otherwise.
• We are not responsible for your pricing, descriptions, fulfillment, or voluntary refund promises.

7. Chargebacks and payment disputes

If an End Customer or Creator disputes a charge with their bank or card issuer, Stripe (or the relevant processor) manages the dispute process. We may provide transaction metadata to Stripe. Outcomes are governed by network rules and Stripe’s policies.

You agree to cooperate with reasonable requests for information. Abuse of chargebacks or fraud may result in account suspension.

8. EU/UK and other mandatory rights

Nothing in this policy limits non-waivable consumer rights where you qualify as a consumer under applicable law (for example, certain EU/UK withdrawal rights for distance contracts). Where such laws apply, your statutory rights prevail over conflicting language here.

For business subscribers using the Platform in a professional capacity, you acknowledge that subscription and digital-commerce terms are commercial terms to the fullest extent permitted by law.

9. How to cancel or get help

We do not operate a general refunds inbox; include your account email, charge date, and invoice or payment reference when contacting support.

10. Changes

We may update this Refund Policy from time to time. We will post the revised version at https://www.artinstack.com/refund-policy and update the effective date. Material changes may also be communicated through the Services or by email where appropriate. Continued use or remaining subscribed after the effective date constitutes acceptance of the updated policy, subject to mandatory law.

11. Contact

ArtInStack
[Postal Address]
[email protected]