Refund policy

This policy says when a payment to CreatorPodium is refunded. Being outbid does not entitle a refund.

Source: specs/product.md §1.5

Being outbid does not entitle a refund.

When we refund

The table is the policy. Each cell is quoted from the CreatorPodium specification.

Source: specs/foundations.md §1.7

Trigger	Decision	Amount	Payer email
Payer was outbid	no refund	—	—
Duplicate capture on one order	automatic refund	full	refund initiated/processed
Captured, not credited: unmatched / mismatch	owner-admin refund within 3 business days of detection	full	refund initiated/processed
Captured, not credited: ineligible	automatic refund	full	refund initiated/processed
Refund request "charged but not credited" on a credited payment	rejected automatically with the credited rank shown	—	decision email
Listing removed with a removal code (closed set below)	automatic refund of every credited payment on that listing with captured_at ≥ removed_at − 30 days, except payments the moderator marked abusive in the resolution (payments.abusive = 1)	refundable(p) (D0) at planning time; a payment with an open dispute is planned again when its dispute closes	refund initiated/processed; sponsor_abuse also sends a decision email to the payer of each marked payment (sent by the moderation slice)
Payer broke the Terms (no removal)	no refund	—	—
Chargeback opened	credit reversed (D2)	—	—
Dispute won	credit restored	—	—
Refund request "other"	owner-admin decision ≤ 7 days: approve only for our error or a legal requirement; outbid / changed mind → reject	full or partial	decision email
Legally required (court, regulator, consumer commission, payer found to be under 18)	refund as required	as required	as required
Refund needed after the provider's 6-month refund window	manual bank transfer to the payer's own account (RBI PA Directions 2025), owner role + founder gate G1; ledger refund entry with provider_ref = manual:<reference>	as decided	email

Removal reasons

A listing is removed for one of a closed set of reasons: the owner opted out, the profile is ineligible, impersonation or a fake account, an account of a minor, promotion of real-money gaming, a legal order, or sponsor abuse.

Source: specs/foundations.md §1.7

owner_optout, ineligible_profile (§1.9 H8 private account or sexual content), impersonation_fake_account, minor_account, rmg_promotion, legal_order, sponsor_abuse (the boosting itself was abuse — at least one payment must be marked abusive)

How refunds are paid

Source: specs/foundations.md §1.7

System refunds are initiated ≤ 1 hour after the trigger

speed = normal (provider timeline 5–7 working days, no fee)

Refunds go back to the original payment method unless you choose another mode that is your own account.

Source: specs/operations.md §7.1

refunds to the original payment method unless the payer chooses another mode (own account)

How to ask for a refund

Every payment has a receipt link, sent to you by email, with a refund request form.

Source: specs/product.md §3.2

refund request form

Source: specs/product.md §4.13

receipt: amount, listing, rank at credit, payment id, tax line, promise summary, receipt link

Decision times are in the table above. Questions: support@creatorpodium.com. Complaints: see Contact and grievance.