Commerce, Safety & Refund Policy

Onflay LLC

Publication date: August 13, 2026
Effective date: August 17, 2026

This Policy defines what may be sold through Onflay, the evidence and safety requirements for each approved category, and how cancellations, refunds, chargebacks, complaints, and enforcement are handled.

It forms part of the Master Terms of Service. Mandatory law takes priority over this Policy. Beginning on the Effective date, this version supersedes earlier published versions prospectively, while Orders and claims remain subject to the policy applicable when the relevant transaction or event occurred.

1. Onflay’s commerce models

Onflay supports two separate account-level Commerce Modes. The checkout and confirmation must identify the applicable mode, seller, and Merchant of Record for each Order.

1.1 Onflay-Managed Commerce

For an Onflay-Managed Order:

Onflay LLC is the seller and Merchant of Record;
the Buyer contracts with Onflay;
Onflay controls checkout, billing, receipts, applicable Transaction Taxes, cancellations, refunds, chargebacks, disputes, and first-line commercial payment support;
the Creator acts as Supplier, licensor, Developer, instructor, organizer, consultant, or fulfillment provider;
Onflay calculates a Supplier Fee and pays eligible Supplier Fees by Payout; and
Managed Transaction Fees, Provider Costs, Supplier Fees, Payouts, Reserves, setoff, negative balances, KYC, tax documents, and Payout delays apply.

A Creator policy may be more favorable to the Buyer but may not reduce mandatory rights or Onflay’s authority for an Onflay-Managed Order.

1.2 Creator-Managed Payments

For a Creator Order:

the Creator is the seller and Merchant of Record;
the Buyer contracts directly with the Creator;
the Creator connects and maintains its own Supported Payment Provider account;
the provider processes payment, fees, refunds, disputes, reserves, and Provider Settlements under its terms;
Merchant Proceeds and Provider Settlements are not Supplier Fees or Onflay Payouts;
the Creator controls and funds receipts, invoices, taxes, recurring billing, cancellations, refunds, chargebacks, payment reversals, disputes, support, fulfillment, notices, licenses, and registrations; and
Onflay provides white-label Platform technology and may provide routing, evidence, minimum Buyer protections, or administrative assistance without becoming seller.

Onflay is not presented as seller, payment recipient, tax collector, invoice issuer, refund obligor, or primary commercial support provider for Creator Orders. A privacy, security, or legally required technology attribution does not change the Creator’s role.

Onflay charges no transaction fee, platform application fee, commission, or percentage of Creator Order value. The Creator remains responsible for all fees imposed by its provider or financial institutions.

Onflay may suspend an Account or Offering, require remediation, preserve evidence, or notify a provider even when it cannot directly reverse a Creator Order.

1.3 Account-level mode and eligibility

An Account may have only one active Commerce Mode for new sales at a time. Selection must be recorded, affirmatively accepted, and approved by Onflay. Eligibility may depend on country, entity, category, provider availability, risk, transaction size, tax, sanctions, technical capability, and law.

No Creator has an unconditional right to either mode. Failure to qualify for one does not create eligibility for the other, and a Creator may be ineligible for both.

A Creator may request a mode change at any time, but it is not effective until approved and technically implemented. The change applies only to new Orders. Completed Orders, refunds, disputes, taxes, Supplier Fees, Payouts, Merchant Proceeds, Provider Settlements, and existing subscriptions remain governed by their original mode and seller. An active subscription may not silently change Merchant of Record.

1.4 Supported Creator countries

Creator accounts are currently considered for persons resident or legally organized in the United States, the Dominican Republic, or Colombia, subject to the approved Commerce Mode and provider configuration. Buyer access may be offered where the relevant checkout is enabled.

A Creator may not use a false address, nominee, unrelated bank account, shell entity, or third party to appear eligible.

1.5 Payment-provider and independent Onflay review

Every Creator must satisfy the requirements of each Supported Payment Provider applicable to its mode and accept the provider’s terms. Requirements can vary by country, charge type, capability, business, service agreement, and risk.

Onflay separately conducts identity, business, sanctions, tax, and risk review through Didit or another approved provider. Provider approval and Onflay approval are independent. Neither guarantees the other.

An Offering may be prohibited or restricted even when legal locally. The Creator must comply with this Policy, provider prohibited or restricted-business rules, payment-network and bank rules, and applicable law. Provider approval may be conditional, limited, or withdrawn.

2. Approved commercial families

Only the following families are permitted.

2.1 Digital products

Files and content delivered electronically, including:

ebooks and guides;
templates and design files;
educational materials;
digital media;
downloadable software;
prompts and digital tools;
non-regulated datasets; and
similar electronically delivered products.

2.2 SaaS, software, and API access

Access to an external product operated by the Developer, including:

SaaS subscriptions;
software access;
API access;
seat-based plans;
approved usage-based plans; and
monthly or annual software subscriptions.

The Developer may not use Onflay to aggregate payments for its own third-party sellers or submerchants.

2.3 Memberships and content subscriptions

Recurring access to:

paid communities;
newsletters;
private content libraries;
continuing educational content;
creator memberships; and
similar digital access.

2.4 Courses, workshops, and consulting

Approved non-regulated services delivered:

as recorded content;
live online;
in a virtual group;
one-to-one remotely; or
in person under the physical-service controls in this Policy.

This category may include business, marketing, technology, design, productivity, career, language, creative, and other non-regulated educational or consulting services.

3. No physical goods and no unapproved categories

Physical goods are prohibited. A physical workshop, course, or consultation is permitted only because the service occurs in person; it does not authorize the sale or shipment of merchandise, inventory, food, devices, books, supplements, tickets for unrelated third-party events, or other physical products.

Any product or service outside the four approved families is prohibited. There are no case-by-case exceptions under this version of the Policy.

Onflay may add a category only through a formally published future version and any required processor or legal approval.

4. Prohibited products, services, and conduct

The following are prohibited regardless of local legality where Onflay, Stripe, a payment network, a bank, or applicable law does not support them. This list is not exhaustive; Onflay may reject an activity that is materially similar to a listed activity or that Stripe classifies as prohibited or restricted for the relevant connected-account country.

4.1 Illegal, harmful, or deceptive activity

illegal goods, services, or instructions;
fraud, phishing, identity theft, credential theft, or document falsification;
malware, ransomware, credential harvesting, botnets, or unauthorized access tools;
stolen, counterfeit, or misrepresented content;
evasion of sanctions, taxes, payment controls, or law enforcement;
fake reviews, followers, engagement, testimonials, or credentials;
products making false, unsubstantiated, or deceptive claims;
guaranteed-income, get-rich-quick, pyramid, or recruitment-based schemes;
abusive negative-option or hidden-renewal practices;
academic cheating, impersonation, or fraudulent certification services; and
any activity likely to cause material harm to Buyers or Onflay.

4.2 Regulated professional and financial services

The following are not permitted in the current version:

medical diagnosis, treatment, prescribing, telemedicine, or clinical care;
psychological or psychiatric treatment;
individualized legal advice, legal representation, or preparation of filings as a legal representative;
immigration representation or individualized legal strategy;
individualized tax advice or tax-return preparation;
investment, securities, brokerage, trading, signals, portfolio, or personalized financial advice;
lending, credit repair, debt relief, debt collection, or mortgage services;
insurance sales or claims handling;
money transmission, remittance, currency exchange, escrow, stored value, gift cards, or wallets;
gambling, lotteries, sweepstakes with payment or prizes, fantasy wagering, or games of chance;
cryptocurrency, cryptoassets, tokens, NFTs, tokenized assets, or other digital-asset products or financial services;
fundraising, donations, crowdfunding, or political fundraising; and
any service requiring a license that Onflay cannot verify and support.

General educational information about law, health, or finance may be permitted only when it is clearly educational, not personalized, not presented as professional advice, and otherwise compliant.

4.3 Adult, dangerous, or restricted content

pornography, sexually explicit content, or sexual services;
sexual content involving or exploiting minors;
non-consensual sexual content;
weapons, ammunition, explosives, or instructions to create them;
controlled substances, prescription drugs, drug paraphernalia, or unsafe supplements;
tobacco or nicotine products;
self-harm promotion;
violent extremist support;
hate or unlawful discrimination;
harassment, stalking, doxxing, or covert surveillance; and
personal data obtained or sold without lawful authority.

4.4 Intellectual-property violations

unlicensed music, video, software, books, courses, images, trademarks, datasets, or other protected material;
counterfeit products;
circumvention of digital-rights controls;
unauthorized resale of licenses or accounts;
plagiarism or substantial copying; and
content that violates privacy, publicity, trademark, patent, trade-secret, or copyright rights.

4.5 Prohibited platform conduct

Users may not:

route a Buyer away from the checkout or payment flow approved for the applicable Commerce Mode to evade disclosed fees, provider rules, Buyer protections, or Onflay controls;
process self-payments, circular transactions, or cash advances;
create duplicate accounts to evade review;
manipulate category, price, location, tax, attendance, usage, refund, or dispute information;
misuse a Buyer’s data;
interfere with Onflay, Stripe, a Supplier, an event, or another user;
scrape or automate access without authorization;
impersonate Onflay or another party;
pressure a Buyer not to exercise a legal right;
retaliate against a Buyer for a complaint; or
submit false evidence.

5. Listing, seller, pricing, subscription, and AI standards

Every Listing and checkout must accurately and prominently disclose:

the Creator or Supplier’s identity and brand;
the seller and Merchant of Record for the applicable Commerce Mode;
the exact Offering and fulfillment mode;
the binding price, currency, discounts, and billing frequency;
applicable taxes or how they are calculated where required;
what is included and excluded;
delivery timing, location, and technical or participation requirements;
material limitations, eligibility, and safety conditions;
refund, cancellation, withdrawal, and complaint information;
for recurring access, renewal, first charge, trial conversion, minimum commitment, cancellation method, and price-change treatment;
for an event, the date, time zone, venue, attendance requirements, transferability, and organizer cancellation terms;
the Creator’s required legal, contact, privacy, and license information; and
any material use of AI-generated content where disclosure is required to avoid deception.

A Listing may not:

conceal or misstate the seller, Merchant of Record, Commerce Mode, price, tax, renewal, refund, or Provider Cost;
use countdowns, scarcity, testimonials, earnings claims, credentials, reviews, or comparisons deceptively;
create a preselected paid subscription or unrelated recurring consent;
state that Onflay guarantees the Creator, Offering, result, refund, settlement, or AI output;
promise that AI output is unique, accurate, non-infringing, or professionally approved;
copy or imitate another seller in a misleading way; or
omit information needed for a Buyer to make an informed decision.

AI assistance does not reduce the Creator’s responsibility to review the Listing and substantiate every claim before publication. Onflay may require correction, evidence, or human review.

6. Category-specific standards

6.1 Digital products

The Supplier must:

own or license every included element;
deliver the advertised file or access promptly;
disclose format, compatibility, size, and material technical requirements;
scan and maintain files free from malicious code;
provide an accurate preview or description;
preserve delivery, access, and download evidence;
provide promised updates or support; and
clearly state the Buyer’s license.

A Buyer does not receive ownership of intellectual property unless the Listing expressly says so.

6.2 SaaS, software, and API products

The Developer must:

own or have authority to sell the product;
maintain reasonable security, availability, backups, and support;
disclose features, limits, seats, trial, usage metrics, and billing;
make cancellation accessible;
keep entitlements aligned with Onflay billing;
process refunds, cancellations, and dispute events correctly;
preserve activation and usage evidence;
disclose material subprocessors and data practices where required;
notify Onflay of material incidents or outages;
permit appropriate data export or deletion where promised or required; and
avoid operating a third-party marketplace or submerchant system through Onflay; and
maintain or transition existing paid entitlements when an Offering is unpublished, as directed by Onflay.

Usage-based billing requires Onflay approval and auditable measurements.

6.3 Memberships and content subscriptions

The Supplier must disclose:

content or community included;
delivery cadence;
access rules;
moderation rules;
billing frequency;
cancellation method;
whether previously released content remains accessible after cancellation; and
any minimum technical or participation requirement; and
how existing access will be handled if the Offering is unpublished or discontinued.

The Supplier may moderate its community but may not use moderation to evade a refund, silence a legitimate complaint, or discriminate unlawfully.

6.4 Recorded and remote courses, workshops, and consulting

The Supplier must disclose:

whether the service is recorded, live, group, or one-to-one;
date, time, time zone, duration, and capacity;
instructor or consultant identity and relevant qualifications;
curriculum, scope, and deliverables;
prerequisites;
recording policy;
cancellation, rescheduling, late-arrival, and no-show terms;
whether attendance or completion is tracked; and
that no guaranteed result is promised unless objectively supportable.

The Supplier must preserve booking, reminders, join/leave times, communications, attendance, and deliverable evidence.

6.5 In-person courses, workshops, and consulting

Before publication, Onflay may require:

complete identity verification;
exact venue and address;
proof of authority to use the venue;
local jurisdiction;
date, time, duration, and capacity;
organizer and on-site contact;
age restrictions;
accessibility information;
safety plan;
cancellation, rescheduling, weather, and venue-change rules;
license or permit evidence where applicable;
liability or event insurance where required by Onflay; and
manual approval.

The Supplier must not change the date, venue, material scope, or organizer without prompt notice to Onflay and affected Buyers. A material change may give the Buyer a refund right.

The Supplier is responsible for:

venue safety;
staff conduct;
lawful access;
emergency procedures;
accessibility commitments;
attendee treatment;
property damage;
personal injury caused by the Supplier, venue, or personnel; and
incident reporting.

Onflay does not authorize the collection of additional cash or off-platform payment at the venue.

7. Physical attendance and fulfillment evidence

7.1 Buyer-bound ticket

Onflay may issue a ticket accessible through an authenticated account or emailed OTP. The ticket may include a signed, short-lived, one-time QR or code tied to an opaque order and attendee identifier.

The Buyer must not share or duplicate a non-transferable ticket.

7.2 Authorized check-in

Only an authorized event staff account may validate attendance. Onflay may record:

ticket and Order;
event or service;
time;
authorized scanner;
device or session;
validation result;
replay attempt;
override and reason; and
related incident.

7.3 Dual evidence

A QR scan alone is not conclusive. Onflay may use:

authenticated check-in;
completion or check-out;
Buyer confirmation;
event records;
session duration;
agreed deliverables;
communications; and
incident or complaint information.

After an in-person service, Onflay may ask the Buyer within twenty-four hours to confirm attendance or report a problem. A Buyer may be given approximately forty-eight hours to respond. No response may create provisional evidence, but it does not automatically defeat a legal refund right or card dispute.

7.4 Supplier self-attestation

A Supplier’s own statement that the service occurred is insufficient when credible conflicting evidence exists. Fabricating, replaying, or manipulating attendance evidence is grounds for immediate suspension.

8. Delivery and evidence duties

The Supplier must retain evidence for the period requested by Onflay and provide it promptly.

Relevant evidence may include:

final Listing snapshot;
legal-term acceptance;
delivery email;
access and download logs;
SaaS activation, login, entitlement, and usage;
booking and reminders;
meeting-provider attendance;
QR, OTP, check-in, and completion;
deliverables;
support and complaint communications;
cancellation request;
the binding USD amount and, where a currency estimate was displayed, the display currency, estimated amount, rate source, rate timestamp, calculation timestamp, and rounding method;
Buyer confirmation;
venue, insurance, and incident records; and
other evidence reasonably required by a payment network or authority.

Evidence must be accurate, proportionate, and lawfully collected. Suppliers must not record sensitive consultations or continuously track precise location merely to create evidence.

9. Currency, pricing, fees, and conversion disclosures

The binding price and currency for an Order are those displayed before authorization.

For an Onflay-Managed Order, Onflay controls the Buyer-facing price, receipt, applicable Transaction Taxes, and refund in its role as seller. Any non-binding currency estimate must be identified as approximate. The Managed Transaction Fee and Provider Costs charged to the Supplier are governed by the Master Terms and applicable Pricing Page and are not Buyer charges unless separately and lawfully disclosed as part of the Buyer price.

For a Creator Order, the Creator controls and is responsible for price, currency, tax, invoice, receipt, and seller disclosures. The Supported Payment Provider may impose fees or conversion charges directly on the Creator or Buyer under its terms.

A Buyer’s bank, issuer, wallet, or provider may apply independent exchange rates, foreign-transaction fees, or other charges. The responsible seller must not mischaracterize third-party conversion or fees.

A promotion must disclose eligibility, duration, post-promotion price, recurring treatment, and material restrictions before enrollment. A custom Creator rate does not change the Buyer’s disclosed Order price unless separately reflected before authorization.

10. Refund authority and hierarchy

Mandatory law controls over this Policy.

For an Onflay-Managed Order, Onflay has final commercial authority to cancel, refund, defend, settle, or otherwise resolve the Order and payment dispute. The Supplier may recommend a result or offer a more favorable policy but may not reduce Buyer rights or bypass Onflay’s process.

For a Creator Order, the Creator has primary authority and responsibility for its refund policy and mandatory-law compliance. The Supported Payment Provider normally processes the refund or reversal. Onflay may impose minimum Buyer protections, route requests, preserve evidence, require remediation, suspend the Offering, or assist administratively without funding the refund.

The applicable hierarchy is:

mandatory consumer, payment-reversal, withdrawal, event, and subscription law;
a more favorable Buyer promise expressly shown before purchase;
this Policy’s minimum standards;
the disclosed seller’s compliant refund policy; and
reasonable case-specific resolution based on evidence.

10.1 United States

Online negative-option transactions must comply with the FTC Act, ROSCA, and applicable state automatic-renewal, cancellation, trial, renewal-notice, and consumer laws. The seller must clearly disclose material terms, obtain express informed consent, and provide a simple way to stop recurring charges. State-specific requirements may provide additional rights.

10.2 Dominican Republic

Law No. 358-05, applicable e-commerce rules, Pro Consumidor requirements, and other mandatory rights prevail. Consumer contract terms must be available in Spanish where required, clear, legible, and expressly accepted. Onflay and Creators must implement any complaint, adhesion-contract registration, refund, pricing, or disclosure process required by Pro Consumidor or applicable law.

10.3 Colombia

Law 1480 of 2011, Law 2439 of 2024, Decree 587 of 2016, and other applicable rules govern e-commerce information, withdrawal, refunds, payment reversal, and consumer claims. Eligibility for withdrawal or reversal depends on the statutory facts and exceptions. The responsible seller and other payment-chain participants must meet applicable timelines and operational duties.

11. How to request a refund, cancellation, withdrawal, or reversal

The Buyer should use the cancellation or support method shown in the Account, receipt, checkout, or confirmation.

For an Onflay-Managed Order, the request is submitted to Onflay. Onflay may ask for the Order identifier, email, reason, evidence, delivery or attendance information, and preferred resolution.

For a Creator Order, the request is directed to the Creator through the disclosed channel and may also be processed through the Supported Payment Provider. Onflay may receive or route a request but does not thereby assume the Creator’s refund debt.

A request should be acknowledged promptly. The responsible seller must communicate the outcome and process any approved refund within the time required by law, provider rules, and the disclosed policy.

Nothing requires a Buyer to exhaust support before exercising a non-waivable chargeback, payment-reversal, withdrawal, or regulatory right. Duplicate recovery is not permitted.

12. General refund and remediation grounds

Subject to mandatory law and mode-specific responsibility, a full or partial refund, credit, replacement access, rescheduling, correction, or other remedy may be appropriate for:

duplicate or unauthorized charge;
seller or Onflay billing error;
materially inaccurate or deceptive Listing;
non-delivery or material failure to perform;
inaccessible, corrupt, or materially defective digital delivery;
cancelled event or service;
failure to provide promised access within a reasonable time;
unlawful, prohibited, unsafe, or infringing Offering;
timely exercise of a statutory withdrawal or cancellation right;
failure to honor a valid recurring-billing cancellation;
material change not accepted by the Buyer;
a provider, network, or legal requirement; or
another expressly stated refund promise.

A refund may be denied or limited where permitted when the Buyer received and substantially consumed the Offering, caused the failure, missed a disclosed event without an applicable right, violated access terms, seeks duplicate recovery, submits false evidence, or falls within a lawful statutory exception.

Any limitation must be interpreted consistently with mandatory consumer rights.

13. Category-specific refund rules

13.1 Digital products

Evidence of download or access is relevant but not conclusive. A refund may be required for non-delivery, material defect, misdescription, unauthorized charge, legal right, or other qualifying ground. Any waiver or loss of a statutory withdrawal right for immediate digital delivery must be obtained in the form required by applicable law.

13.2 SaaS, memberships, and Buyer subscriptions

The responsible seller must stop future renewals after a valid cancellation. Access normally continues through the paid term unless a refund, nonpayment, fraud, security issue, policy violation, or law requires otherwise.

A current paid period is not automatically refundable or prorated. Refund eligibility depends on the disclosed terms, service failure, duplicate or unauthorized charge, seller error, mandatory law, or another express promise.

13.3 Recorded courses

A refund may depend on access, completion, download, material defect, Listing accuracy, and applicable withdrawal rights. Completion evidence does not override mandatory law.

13.4 Remote live services

A missed session, provider cancellation, material rescheduling, technical failure, or partial performance is evaluated under the disclosed policy and mandatory law. A Buyer should receive a reasonable alternative or refund when the responsible provider cannot perform.

13.5 In-person services and events

The Listing must state cancellation, transfer, no-show, weather, venue, rescheduling, and organizer-cancellation treatment. Verified attendance is relevant but does not eliminate mandatory rights.

13.6 Partial performance

A partial refund may reflect the value lawfully delivered where a full refund is not required. The calculation must be reasonable, explainable, and not impose an undisclosed penalty.

14. Chargebacks, payment reversals, and disputes

A chargeback or statutory payment reversal is not the same as a voluntary refund.

For Onflay-Managed Orders, Onflay controls the response to the issuer, provider, or authority. The Supplier must provide truthful evidence promptly. Onflay may accept, contest, settle, or refund the dispute.

For Creator Orders, the Creator and Supported Payment Provider control the response and funding. The Creator must comply with reversal procedures, evidence deadlines, and payment-chain instructions. Onflay may transmit evidence or notices without assuming liability for the disputed amount.

No party may pressure, threaten, retaliate against, mislead, or condition support on the Buyer withdrawing a lawful dispute. No party may submit fabricated evidence.

A Buyer may not obtain duplicate recovery through both refund and chargeback. An overpayment or duplicate credit may be corrected lawfully.

15. Creator financial responsibility by mode

For Onflay-Managed Commerce, refunds, partial refunds, reversals, chargebacks, fraud losses, non-returned Provider Costs, dispute fees, network assessments, taxes, penalties attributable to the Supplier, and other permitted losses may be deducted from Supplier Fees and Reserves or create a negative balance.

The Managed Transaction Fee is earned when the Onflay-Managed sale is successfully processed. Except where mandatory law or a higher-priority accepted pricing source expressly provides otherwise, neither the percentage nor fixed component is returned solely because the Order is later fully or partially refunded, reversed, disputed, or charged back. Duplicate fees and manifest calculation errors will be corrected. Provider Costs not returned by a third party remain chargeable where disclosed and legally permitted.

For Creator-Managed Payments, the Creator funds refunds, chargebacks, reversals, Provider Costs, fines, taxes, and negative balances attributable to Creator Orders. The provider may deduct them from the Creator’s balance. Onflay does not fund or reimburse those amounts merely because it supplies technical tools, and Onflay does not charge a Creator Order transaction fee.

16. Payout, Provider Settlement, and future-delivery treatment

For Onflay-Managed Commerce, future delivery, annual subscriptions, live services, and in-person events may justify delayed Supplier Fee eligibility or a Reserve until settlement, delivery, attendance, expiration of a claim window, or risk review. Payout costs are deducted before funds are sent and may be reconciled to actual provider charges.

A displayed Payout date or Supplier Fee is provisional and does not override KYC, tax, sanctions, refund, dispute, Reserve, negative-balance, or provider requirements.

For Creator-Managed Payments, Provider Settlements are made under the Supported Payment Provider’s terms and are not Onflay Payouts. The provider may delay, reserve, offset, convert, or deduct amounts. Onflay does not guarantee the settlement date or net amount.

Changing Commerce Mode does not reclassify a prior Supplier Fee as Merchant Proceeds or a prior Provider Settlement as a Payout.

17. Buyer subscription standards

Before enrollment, the responsible seller must disclose seller identity, price, currency, taxes, interval, first charge, renewal, trial conversion, minimum commitment or early-cancellation charge, included access, cancellation method, access after cancellation, refund treatment, and material restrictions.

Recurring charges require affirmative authorization. No preselected paid option, hidden term, silence, or unrelated consent is sufficient. The seller must preserve reasonable evidence of the enrollment.

17.2 Renewals and receipts

The responsible seller must issue confirmations or receipts and any renewal reminder required by law. The recurring charge must match the authorized terms, subject to a properly noticed prospective price change.

17.3 Cancellation

A straightforward self-service cancellation method must stop future renewals and provide confirmation. Online enrollment must be cancellable online without unnecessary delay, required sales calls, forced retention offers, or obstructive steps.

17.4 Price changes

A material increase requires reasonable advance notice before the affected renewal, stating the new price and effective date and allowing cancellation. It may not alter an already paid period or promised promotional duration.

17.5 Failed renewals

The seller may provide disclosed retries and a reasonable grace period, then suspend or terminate access after unresolved nonpayment. Failed-payment notices must not misstate the amount or cancellation status.

17.6 Unpublishing, discontinuation, and existing subscribers

Unpublishing stops new enrollment but does not silently cancel or migrate existing subscriptions. The seller must continue, lawfully terminate and refund, or obtain any required consent for a transition. An active subscription may not silently change Merchant of Record.

18. Platform Subscription and AI Credit refunds; complaints and appeals

18.1 Platform Subscription

A Creator’s Platform Subscription is separate from a Buyer subscription to an Offering. Platform Subscriptions are optional unless affirmatively selected under a paid plan or custom agreement. Exact prices, plan features, limits, Included AI Credits, and billing intervals are governed by the controlling Pricing Page.

Cancellation stops future renewals and ordinarily leaves access through the paid period. Monthly and annual charges are non-refundable and non-proratable after charge, except where mandatory law, a duplicate or unauthorized charge, an Onflay billing error, an accepted promotion or custom agreement, or an express Onflay remedy requires otherwise. Cancelling an annual plan stops the next renewal but does not automatically refund the unused portion of the current annual term.

18.2 AI Credits

Included AI Credits ordinarily reset at the end of each monthly usage cycle, do not roll over, have no separate cash value, and end with the applicable plan. The exact allowance is shown on the controlling Pricing Page.

Purchased AI Credits remain available while the Account is active and in good standing and do not expire unless a different future-purchase rule is disclosed in advance and legally permitted. They are not refundable after consumption. Unused Purchased AI Credits are refundable only where mandatory law requires, for duplicate or unauthorized purchase, because of an Onflay billing error, or under an express package or Account remedy.

Credits are restored when no usable output is produced because of a verified Onflay or provider technical failure, timeout, duplicate deduction, or comparable system error. They are not automatically restored because a user dislikes completed output, submits an unsupported request, cancels after material processing begins, or violates applicable rules.

The Purchased AI Credit balance and purchase limits are those disclosed on the controlling Pricing Page or Account purchase screen. Credits may be frozen during a temporary fraud, security, sanctions, payment, or compliance suspension. Voluntary closure does not automatically create a refund. If Onflay permanently discontinues the Purchased AI Credit program or terminates an Account without Creator breach, Onflay may offer a use-down period, replacement functionality, or refund of eligible unused Purchased AI Credits.

Auto-replenishment is optional and requires separate affirmative authorization stating the trigger, amount, taxes, maximum frequency or spending limit, payment method, cancellation method, and confirmation. It can be disabled without cancelling the Platform Subscription.

18.3 Complaints and appeals

A Buyer or Creator may submit a complaint or request review through support@onflay.com. Onflay may request relevant evidence and will provide a reasoned outcome where reasonably practicable.

A complaint does not restrict access to a competent consumer, privacy, financial, or judicial authority. Onflay may maintain internal escalation and appeal procedures without requiring waiver of mandatory rights.

19. Safety and incidents

Suppliers must report promptly:

injury or medical emergency;
harassment, violence, or threat;
venue evacuation or material hazard;
accessibility failure;
unauthorized attendance;
police, regulator, or insurer involvement;
data or device theft;
serious service misconduct; or
another event likely to affect Buyers or Onflay.

Onflay may cancel an Offering, contact affected persons, preserve evidence, notify providers or authorities, and hold Payouts while reviewing an incident.

20. Intellectual property notices

20.1 Notice

A rights owner or authorized agent may submit a notice to support@onflay.com containing:

signature;
identification of the protected work or right;
identification and location of the challenged material;
contact information;
a good-faith statement that use is unauthorized;
a statement that the information is accurate; and
where applicable, a statement under penalty of perjury that the sender is authorized.

20.2 Response

Onflay may remove or disable material, notify the Supplier, request information, preserve evidence, and terminate repeat infringers.

20.3 Counter-notice

Where applicable, a Supplier may submit a compliant counter-notice identifying the removed material, consenting to appropriate jurisdiction, and stating under penalty of perjury that removal resulted from mistake or misidentification.

Onflay may restore material when legally permitted. Nothing in this Policy constitutes a representation that Onflay has completed every registration required for a particular statutory safe harbor.

21. Enforcement

Onflay may investigate, reject, unpublish, limit, suspend, reserve, delay Payouts, disable payment routing, restrict AI Features, require refunds or remediation, notify a Supported Payment Provider, or terminate an Account or Commerce Mode where reasonably necessary for safety, law, fraud, sanctions, payment risk, excessive disputes, nonpayment, or Policy violations.

Enforcement may apply even when a Supported Payment Provider permits the transaction. Provider approval does not override this Policy.

For Onflay-Managed Orders, Onflay may directly cancel or refund. For Creator Orders, Onflay may lack direct control of provider funds but may require the Creator to act, suspend the Offering, preserve evidence, or refer the matter to the provider or authority.

Onflay will use proportionate measures when practical. Immediate action may be taken where delay could increase harm, violate law, or breach provider requirements.

22. Changes to this Policy

Onflay may update this Policy prospectively. Material changes affecting Supplier obligations, refund responsibility, product eligibility, evidence, safety, or financial exposure will be communicated. Unless applicable law or Onflay expressly requires separate affirmative acceptance, continued access to or use of the Platform after the effective date of an updated Policy constitutes acceptance under the Master Terms. Particular changes may require affirmative reacceptance as provided in the Master Terms.

23. Contact

Orders, refunds, and complaints: support@onflay.com
Legal and intellectual property: support@onflay.com
Privacy: support@onflay.com

Onflay LLC
1021 E Lincolnway, Suite 10028
Cheyenne, Wyoming 82001
United States