Transaction and Payment Terms

1. Introduction

These Transaction Terms govern all financial operations on the platform of Wemany Inc. ("WEMANY", "we"): community memberships and subscriptions, course purchases, event tickets, payments to creators and any other monetary transaction. They complement our Terms of Service and apply to every user who takes part in payment operations.

Company: Wemany Inc., 8 The Green, Suite R, Dover, DE 19901, United States. EIN: 38-4357462.

2. Payment model — WEMANY as facilitator

2.1 WEMANY's role

WEMANY acts as a technology facilitator between the member who pays and the creator who sells. WEMANY is not the seller of the products, courses, memberships or services offered by creators: the creator is the seller and the responsible party towards the member for delivering what they offer.

2.2 Processing and custody of funds

All payments are processed through our partner payment processors (currently Stripe; we may enable additional gateways such as ePayco, Wompi or others). Transaction funds are held and moved within the payment processor's infrastructure, which is the regulated entity that executes the transmission of money.

Creators' funds are not deposited in WEMANY's own bank accounts. WEMANY only instructs the processor to pay out the creator and deduct the platform fee. The "Wallet" you see on the platform is a display interface for the balance the processor holds in your favor, not an account WEMANY has at its disposal.

2.3 Platform fee

WEMANY charges a platform fee of 10% on the value of each transaction, retained as an application fee at the time of payout. WEMANY covers the payment processor's costs out of that fee. The creator receives the transaction value minus that fee and minus applicable taxes.

2.4 Purchases without prior registration

WEMANY allows buyers to purchase digital products (memberships, courses, events and others) without needing a prior account:

• Process: during checkout, the buyer provides their email and payment details. When the transaction is completed, a WEMANY account linked to that email is created automatically.

• Immediate access: the buyer receives access to the purchased content or service immediately after payment confirmation, even before formally activating their account.

• Account activation: the buyer receives an email with instructions to set their password. Activation is required to access additional platform features (posting, commenting, buying again without re-entering details), but not to consume the content already purchased.

• Acceptance of terms: by completing the purchase, the buyer accepts the Terms of Service, the Privacy Policy, these Transaction Terms and, where applicable, the creator's specific terms.

• Linking to an existing account: if the email provided is already registered on WEMANY, the purchase is linked to the existing account.

3. Payment methods

Available methods depend on the processor and the country, and may include credit and debit cards, digital wallets and transfers or local methods enabled in each region. Available methods are shown at checkout.

Security: processing complies with the PCI DSS standard; payment data is transmitted encrypted and stored tokenized by the processor. WEMANY does not store your full card details.

Currency: the main currency is the US dollar (USD). When currency conversion applies, the rate and charges are shown before completing the transaction.

4. Subscriptions and memberships

• Creation: the creator defines prices and billing cycles (monthly, quarterly, annual or others).
• Automatic renewal: subscriptions renew automatically until you cancel them.
• Plan changes: upgrades apply immediately with proration; downgrades apply in the next cycle.
• Cancellation: you can cancel at any time from your account; you keep access until the end of the period already paid. We do not charge cancellation fees.
• Failed payment: automatic retry and notification; a 3-day grace period to update your payment method before access is suspended.
• Trials and promotions: the duration and conditions of any free trial or promotional price are clearly stated, with the option to cancel before the first charge.
• Trial periods: creators can offer free trial periods of 1 to 30 days on their memberships. By activating a trial, you authorize the automatic charge at the end of the period unless you cancel before it ends. The duration, conditions and post-trial price are shown clearly before activating the trial, and you can cancel at any time from your account.

5. Payouts to creators

• Holding period (hold): transactions have a holding period of 7 days before becoming available for payout, to cover refunds and chargebacks.
• Frequency: payouts according to the processor's schedule (periodic by default) for creators above the minimum threshold.
• Minimum threshold: a minimum payout threshold applies (available in the Creator Dashboard).
• Withdrawal methods: those enabled by the processor for the creator's country.
• Creator taxes: the creator is solely responsible for declaring and paying the applicable taxes on their income (see Section 9).

6. Refunds and cancellations

6.1 WEMANY guarantee on courses

WEMANY offers, at platform level, a 7-day refund guarantee on course purchases: if you request a refund within 7 days of purchasing the course, the refund is processed in accordance with this Section.

6.2 Creator policies

For other products (memberships, events and others), each creator defines their own refund policy, which must be clearly shown before purchase. The creator's policy cannot be lower than the rights the law grants consumers on a mandatory basis.

6.3 Mandatory consumer rights (always prevail)

Regardless of the above, the rights the law grants on a mandatory basis are respected, including:

• Colombia: right of withdrawal within the following 5 business days in distance sales, under the terms of the Consumer Statute.
• European Union/EEA: right of withdrawal in accordance with applicable regulations.

Where local law grants a greater right than the guarantee in Section 6.1, local law prevails.

6.4 Processing

Refunds are returned to the original payment method, normally within 3 to 5 business days. Prorated refunds may apply for unused periods. We do not charge administrative fees for legitimate refunds.

7. Chargebacks and disputes

• Prior resolution: before initiating a chargeback, we ask you to resolve the dispute directly with the creator or with support (5 to 7 business days of mediation).
• Risk allocation: under the facilitator model, the chargeback is charged to the creator's balance corresponding to the disputed transaction.
• Chargeback fee: a chargeback fee may apply to cover the processor's costs when the chargeback arises from a creator's failure to deliver.
• Abuse: excessive or bad-faith chargebacks may lead to account restrictions.
• Chargeback threshold: a chargeback rate equal to or above 1% of transaction volume in a 30-day period may lead to restrictions on the creator's account, including suspension of payouts, withholding of funds or termination of the account. WEMANY will notify you when your rate approaches this threshold so you can take corrective measures.

8. Billing disputes and support

1. Initial contact: contact the creator or support within 60 days of the charge.
2. Review: provide the transaction details and the reason.
3. Investigation: a period of 5 to 7 business days.
4. Resolution: determination and applicable remedy.
5. Escalation: appeals process for unresolved cases.

We generate automatic receipts for each transaction; your history is available in your account and can be exported. We keep transaction records for the period required by law.

9. Taxes

• Creator income: the creator is responsible for declaring and paying taxes on the income generated by their sales (including VAT or other consumption taxes where applicable, and income tax).
• WEMANY's fee: WEMANY is taxed only on its platform fee (the 10%), not on the gross value sold by creators, since it acts as facilitator and not as seller.
• Collection at source: in jurisdictions where the law requires a platform to collect and remit consumption taxes (for example, "marketplace facilitator" rules or VAT on digital services), WEMANY will collect them and show them at checkout, and remit them in accordance with those regulations.
• Documentation: we provide users and authorities with the tax documentation required by law.

10. International payments

• Real-time currency conversion with clear disclosure of the rate before completing the transaction.
• Support for local payment methods where available.
• Compliance with local financial regulations and the anti-money laundering (AML) and know-your-customer (KYC) rules applied by the processor.

11. Promo codes and discounts

Creators and WEMANY may issue discount codes with expiry dates, usage limits and clear conditions. We have measures in place to prevent fraudulent or abusive use of promo codes.

12. Financial data privacy

• We store only the payment data that is necessary, in tokenized form by the processor.
• Payment data is used to process transactions, prevent fraud and meet legal obligations, not for marketing without your explicit consent.
• We share data only with authorized processors and when required by law. Creators receive aggregated and anonymized transaction data.

See our Privacy Policy for more detail.

13. Changes and modifications

• We will give 30 days' advance notice of significant changes to fees or terms.
• Current subscriptions keep their price during the billing cycle in progress.
• Continued use after the changes take effect constitutes acceptance; if you do not agree, you may cancel.

14. Contact

• Billing support: billing@wemany.com
• Payment disputes: disputes@wemany.com
• Creator payments: creator-payments@wemany.com
• Technical support: support@wemany.com

Wemany Inc. — 8 The Green, Suite R, Dover, DE 19901, United States

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