Payment and Refund Policy

Last updated: October 2, 2026

Scope of the Policy and the Products or Services It Covers

This Payment and Refund Policy applies to all purchases of digital stories, community narratives, subscription access to collections of real stories from different communities, and related services offered through curtainixvo.net. It covers transactions made by residents of Canada and explains how payments are handled, when refunds may be available, and the rights consumers hold under Canadian law. The policy addresses both one-time purchases of individual stories and ongoing subscription services that provide regular access to new content focused on people, places, and authentic community experiences.

Prices, Currencies, Taxes, and Any Additional Charges

All prices on the site are displayed in Canadian dollars. Applicable federal and provincial taxes, including goods and services tax or harmonized sales tax, are calculated and shown at checkout based on the purchaser's location. No hidden fees are added after the order is confirmed. Currency conversion charges may apply if paying with a card issued outside Canada, but these are determined by the card issuer and are the responsibility of the customer. Subscription prices are fixed for the chosen term and will not change mid-term without advance notice.

Accepted Payment Methods, Payment Authorisation, and Payment Security

curtainixvo.net accepts major credit cards, debit cards, and other secure payment options processed through established Canadian payment gateways. When a payment is submitted, an authorization hold is placed on the card until the transaction is completed or declined. All payment information is encrypted and handled by third-party processors that comply with Canadian data protection standards. curtainixvo.net does not store full card details on its systems.

Order, Booking, or Service Confirmation and When a Contract Is Formed

A contract is formed when the customer completes the checkout process and receives an order confirmation email or on-screen notice. For digital content, access is granted immediately upon successful payment. Subscriptions begin on the date of purchase and renew automatically unless cancelled. The confirmation serves as proof of the agreement and includes details of the purchased stories or access period.

Cancellation Rights and Applicable Cancellation Periods

Under Canadian consumer protection laws, customers in most provinces have a cooling-off period for certain purchases, though digital content often has limited cancellation rights once access begins. Subscriptions may be cancelled at any time through the account settings, with access continuing until the end of the paid period. One-time purchases of individual stories generally cannot be cancelled after download or streaming has started.

Refund Eligibility, Exclusions, and Non-Refundable Items or Services

Refunds are available for subscriptions if requested within the first seven days of purchase and no substantial content has been accessed. Digital stories are non-refundable once downloaded or viewed. Promotional offers and gift subscriptions are generally excluded from refunds. Services such as custom story commissions are non-refundable after work has commenced. Refunds are not provided for changes of mind after the cooling-off period or for content that meets the described quality standards.

The Step-by-Step Procedure and Information Required to Request a Refund

To request a refund, contact curtainixvo.net using the details on the Contacts page and provide the order number, date of purchase, and reason for the request. Include any relevant account information. Requests must be submitted in writing through the available contact form. Incomplete requests will be returned for additional details before processing can begin.

Inspection, Approval, Rejection, and Notification of the Refund Decision

Each refund request is reviewed within ten business days. curtainixvo.net examines whether the request meets the eligibility criteria outlined in this policy. Customers receive notification of approval or rejection through the contact method provided. If rejected, the reasons are explained clearly, and customers may provide additional information for reconsideration.

Refund Method, Processing Time, and When Funds Should Reach the Customer

Approved refunds are issued to the original payment method. Processing typically takes five to ten business days after approval, though credit card refunds may appear on statements within one to two billing cycles. For subscriptions, any remaining balance is prorated where applicable under provincial rules.

Special Rules for Digital Content, Subscriptions, Services, or Promotional Offers Where Relevant

Because the primary offerings are digital stories and community narratives, immediate access means limited return options. Subscriptions allow ongoing access to new real stories from different communities. Promotional periods are clearly marked, and any trial access converts to paid unless cancelled before the end of the trial. No refunds are granted for content consumed during promotional periods.

Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud

Failed payments are retried once automatically. Duplicate charges are investigated and credited promptly upon verification. Chargebacks are treated as refund requests and may result in account suspension pending review. Suspected fraudulent activity leads to immediate account hold and investigation, with funds returned if fraud is confirmed.

Mandatory Consumer Rights in the Target Country That the Policy Cannot Exclude

This policy does not limit any rights under the Consumer Protection Act or equivalent provincial legislation in Canada. Customers retain the right to seek remedies for defective services, misleading representations, or other statutory protections regardless of the terms stated here. Provincial variations may provide additional cooling-off periods or disclosure requirements that apply in specific jurisdictions.

Contact Route, Policy Changes, and Last-Updated Date

Questions about this policy or refund requests should be directed through the contact form on the Contacts page or by calling 604-596-7722. Unit 205, 12725 80 Ave, Surrey, BC V3W 3A6, Canada serves as the registered address for formal correspondence. curtainixvo.net may update this policy to reflect changes in law or business practices, with the latest version always posted on the site. The current version is dated October 2, 2026. Continued use of the site after updates constitutes acceptance of the revised terms.