1. Overview

This Refund Policy explains when and how refunds are processed for fees and payments made through the Faithfully platform, operated by HotClub Dating Inc., a corporation doing business as Faithfully.

2. Payments Between Users Are Not Our Revenue

This determines most refund outcomes, so it is worth stating first. When you make a payment under an agreement — a loan repayment, rent, a service payment, a shared expense — that money is not paid to Faithfully. It moves from your bank account to the other party to your agreement.

Faithfully never holds, retains, or takes custody of funds moving between users. Because we never hold that money, we cannot unilaterally reverse a completed payment between users.

If you believe another user owes you money, or that a payment should not have been made, that is a matter between you and the other party. Our Dispute Policy explains the tools available to you, including the in-app claims process.

3. Platform Fee Refunds

3.1 Activation Fee ($10.00)

The flat $10.00 activation fee applies to all agreement types. It is non-refundable once the agreement has been activated and both parties have signed, because the agreement document is generated and executed at that moment. If an agreement is cancelled before activation, while still in draft or pending status, no activation fee is charged.

3.2 Transaction Fee (1.5%, minimum $1.50)

The 1.5% transaction fee, with a minimum of $1.50, is non-refundable once the payment has been successfully processed. If a payment fails during processing, no fee is charged. Where the underlying payment is refunded to you because the transfer to the recipient could not be completed, the associated transaction fee is refunded as well.

3.3 Returned Payment Fee (up to $15.00)

The returned payment fee assessed when your bank returns or rejects a debit is non-refundable, except where it was assessed in error — for example, if the return was caused by a fault on our side rather than by your bank or account. Where your state sets a lower statutory maximum, the lower amount applies.

3.4 Monthly Minimum Platform Fee (up to $2.50)

The monthly minimum platform fee is non-refundable once assessed for a completed month. It is charged only as a shortfall: if the transaction fees already collected from your agreements that month reach $2.50, no minimum fee is charged.

4. Agreement Cancellation Refunds

4.1 Cancellation Before Activation

If an agreement is cancelled before it is activated, for example while still pending signatures, no fees are charged and no refund is necessary.

4.2 Cancellation After Activation

When an activated agreement is cancelled:

• Pending payments: Any payments that have not yet been processed will be cancelled and no charges will occur.

• Processed payments: Refunds for payments already processed are subject to the terms of the specific agreement and the conditions in this policy.

• Platform fees: Platform fees already charged are non-refundable.

4.3 Mutual Cancellation

If both parties agree to cancel an agreement, refunds of any deposits or advance payments are processed according to the agreement terms. Both parties may receive refunds for their respective deposits.

5. Payment Refunds

5.1 Failed Transfers

If a payment is successfully charged to the payer but the transfer to the recipient fails — for example because of an issue with the recipient's payout account — the payer is automatically refunded the full payment amount. This is by design: because we do not hold funds, we return them rather than retain them.

5.2 Disputed Payments

Payments disputed through your bank are subject to Stripe's dispute resolution process. Faithfully cooperates with dispute investigations but cannot guarantee outcomes.

We ask that you contact us before disputing a charge with your bank. We can usually resolve a billing error faster, and a disputed ACH debit may cause an agreement payment to fail and generate a returned payment fee. Disputing a payment does not by itself cancel what you owe under an agreement.

5.3 Overpayments and Errors

If you are charged more than the amount owed due to a platform error, or charged twice for the same obligation, the excess amount is refunded to your original payment method.

6. Claim-Related Refunds

6.1 Approved Claims

When a claim is approved, the awarded amount, less the applicable platform fee, is transferred to the claimant from the responding party's linked payment method. This is a claim payout, not a refund.

6.2 Denied Claims

If a claim is denied, no funds are transferred and no refund is applicable. The platform fee for filing the claim is non-refundable.

6.3 Failed Claim Transfers

If a claim is approved but the transfer to the claimant fails, the responding party is automatically refunded the amount charged.

7. Processing Time

Refunds are processed through Stripe and typically appear in your account within:

• ACH bank transfers: 3–5 business days

• Credit or debit cards: 5–10 business days

Agreement payments are made by ACH bank debit. Processing times may vary depending on your financial institution.

8. How to Request a Refund

If you believe you are entitled to a refund not covered by the automatic processes described above, contact us at support@faithfullyapp.com with:

• Your account email address

• The agreement or transaction in question

• The reason for your refund request

Please submit your request within 60 days of the charge. Requests made after 60 days may be harder to resolve, because the payment networks we rely on impose their own time limits on reversals.

We will review your request and respond within 5 business days.

9. Changes to This Policy

We may update this Refund Policy. If we make a material change, we will notify you through the application or by email. The version in effect at the time of your charge is the version that applies to it.

10. Contact

HotClub Dating Inc. d/b/a Faithfully
1921 Union St Unit 3019
Anaheim, CA 92805

Email: support@faithfullyapp.com