This Refund Policy (“Policy”) applies to all users (“Subscribers” or “Creators”) of Subs and forms part of our Terms of Service. By using the platform, you agree to the terms outlined below.

1. General Policy
All transactions on Subs are considered final. Refunds or credits will only be issued at the sole discretion of Subs and in accordance with these Terms and Conditions. By making a purchase on the Platform, you agree that you are not entitled to a refund except where Subs determines it is warranted in exceptional circumstances.

2. Subscriptions
2.1 Subscriptions provide access to a Creator’s content for the period stated at the time of purchase.
2.2 Refunds for subscriptions will not be issued if you have already accessed the Creator’s content, unless:

• The Creator has removed all or substantially all content during your active subscription period without a valid reason under these Terms;
• The Creator has blocked you without a valid reason under these Terms; or
• There has been a technical or access error directly caused by the Platform preventing you from accessing the purchased content.

2.3 By accessing subscription content immediately after purchase, you expressly agree to waive your statutory 14-day cancellation right under the UK Consumer Rights Act 2015 and EU Consumer Rights Directive.

3. Wallet Credit
3.1 Wallet credits are non-refundable, except in cases of duplicate purchase, fraud, or technical error.
3.2 Wallet credits do not expire, except where the account remains inactive for 12 months.
3.3 Refund requests for wallet-related errors must be submitted within 14 days.

4. Pay-Per-View (PPV) Content
4.1 PPV purchases give you a licence to view the content through the Platform.
4.2 Refunds for PPV purchases may be granted if:

• The content is removed before you have had a reasonable opportunity to view it;
• The file is defective or materially different from its description and is not fixed within a reasonable period.
  4.3 Reasonable opportunity will be determined by Subs.com on a case-by-case basis.

5. Tips and Custom Content
5.1 Tips are voluntary payments to a Creator and are non-refundable, unless given for a specific promised deliverable that the Creator fails to provide.
5.2 In such cases, you must provide clear evidence of the agreement and non-delivery.

6. Calls and Video Calls
6.1 All calls and video calls are non-refundable unless Subs.com determines a refund is warranted due to:

• The call was cut short due to a platform error.
  6.2 Technical problems caused by your or creator’s internet connection or device are not refundable.

7. Chargebacks and Payment Disputes
7.1 You agree not to initiate chargebacks or payment disputes without first contacting our support team ([email protected]) to resolve the issue.
7.2 If a chargeback is found to be abusive or fraudulent, Subs may suspend the User’s account and withhold access to content, wallet credits, or earnings.

8. Process for Requesting a Refund
8.1 Refund requests must be submitted through the Platform’s support system ([email protected]) within 14 days of the transaction.
8.2 All requests must include relevant details and any supporting evidence.
8.3 Subs team will review the request and notify you of the decision. Decisions are final unless you have a statutory right to escalate to an ombudsman, regulator, or court.

9. Platform Discretion
Subs reserves the right to refuse refund requests that do not meet the above criteria or where abuse of the refund policy is suspected.

10. Legal Compliance
This Refund Policy is governed by the laws of England and Wales. Consumers in the EU may also rely on their local mandatory consumer protection rights.

10. Contact
For questions regarding this Policy, please contact:

Support Team
Email: [email protected]
Subco Group Ltd, 6th Floor, Manfield House, 1 Southampton Street, London England, WC2R 0LR, United Kingdom