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Legal Information

Refund Policy

This Refund Policy explains when payments for ipaperbanana may be refunded, how subscription cancellation works, and how billing issues should be reported to zhichun liu. It applies to subscriptions and other direct purchases unless a separate written agreement states otherwise.

Effective date: March 21, 2026

1. Subscription charges

Paid subscriptions are billed in advance for the monthly or yearly term selected at checkout. Unless required by law or stated otherwise in a separate written agreement, subscription fees are non-refundable once a billing period has started.

Canceling a subscription stops future renewals but does not retroactively refund charges already paid for the current billing cycle. Access to paid features continues through the end of the prepaid term unless the subscription is terminated earlier for a Terms violation.

2. When refunds may be issued

We may issue a refund for duplicate charges, clear billing errors, or unauthorized transactions confirmed after reasonable review. Requests related to these issues should be submitted promptly so the payment event can be investigated while records are still current.

We may also consider a refund when the service was unavailable for a material period due to a verified issue caused solely by zhichun liu and no reasonable workaround was available. Refund decisions are made case by case based on account history, service records, and applicable law.

3. Credits, promotional offers, and enterprise agreements

Usage credits, promotional balances, discounts, and trial benefits have no cash value unless expressly stated otherwise at the time they are granted. Unused credits and promotional entitlements are generally non-refundable and non-transferable.

If you purchased the service through a reseller, institutional contract, procurement process, or enterprise order form, the refund and cancellation terms in that separate agreement will control to the extent they conflict with this policy.

4. How to request review

To request a billing review, contact liuzhichun92(at)gmail.com and include the account email, invoice or receipt number, purchase date, amount charged, and a short explanation of the issue. Providing complete billing details allows faster review and reduces back-and-forth.

Refund requests should normally be submitted within 14 days of the charge date. We may ask for additional information to confirm account ownership, payment authorization, or the circumstances of the request before making a decision.

5. Processing and policy updates

If a refund is approved, it will generally be returned to the original payment method. Processing times depend on the payment provider and financial institution and may take several business days after approval.

We may revise this Refund Policy from time to time to reflect changes in billing operations, product packaging, or legal requirements. The effective date shown on this page indicates when the current version became active.