Refund, Payment, and Crypto Policy

Last Updated: 2025-10-29 (Note: Content dynamically combines multiple policies.)

Refund and Cryptocurrency Payment Policy\n\nSECTION 1. SCOPE AND GOVERNING PRINCIPLES\n\n1.1. Application. This Refund and Payment Policy (the 'Policy') governs all financial transactions, including payments for subscriptions and purchases, and outlines the precise conditions and procedures under which refunds may be issued by DesirePlex.\n\n1.2. Exclusive Payment Method. The Platform utilizes Cryptomus as its exclusive payment gateway for all transactions. All payments must be made using supported cryptocurrencies as specified at the time of purchase.\n\n1.3. No Fiat Currency Handling. DesirePlex does not accept, process, or hold any traditional fiat currency (USD, EUR, etc.). All transactions are crypto-to-crypto (where applicable) or crypto-to-fiat conversion handled solely by the Cryptomus gateway before the final crypto disbursement to the Company. The User assumes all exchange rate risks associated with their native currency.\n\n1.4. Principle of Non-Refundable Access. Due to the immediate and intangible nature of digital content access, subscriptions and one-time purchases are generally non-refundable, except for the specific, genuine issues detailed in Section 3.\n\nSECTION 2. PAYMENT TERMS AND CRYPTOCURRENCY RISKS\n\n2.1. Payment Execution. The User is responsible for initiating and correctly executing the cryptocurrency transaction, including using the correct Cryptomus-provided wallet address, selecting the proper network, and ensuring adequate payment of network/gas fees.\n\n2.2. Transaction Finality. Cryptocurrency transactions are generally irreversible once confirmed on the blockchain. The Company is not responsible for User errors, including sending funds to an incorrect address or using an unsupported network.\n\n2.3. Cryptocurrency Volatility Disclaimer. The User expressly acknowledges the inherent and substantial risks associated with cryptocurrency, including:\n\n(a) Price Volatility: Rapid and unpredictable fluctuations in the market value of the cryptocurrency used for payment.\n(b) Network Congestion: Potential delays in transaction confirmation due to blockchain network activity.\n(c) Regulatory Risk: The risk that regulatory changes may adversely affect the value or usability of the cryptocurrency.\n\n2.4. Exchange Rate Determination. For subscriptions denominated in a nominal fiat currency (e.g., USD), the cryptocurrency equivalent is determined by the real-time exchange rate provided by Cryptomus at the precise moment the User initiates the transaction. This rate is final for that transaction, and the Company is not liable for subsequent market fluctuations.\n\n2.5. Billing Cycles and Failure. Subscriptions are billed in recurring cycles (e.g., monthly, annually). Failure to maintain sufficient funds in the designated wallet, or a failure of the Cryptomus gateway to complete the transaction, may result in immediate suspension of Premium Content access.\n\nSECTION 3. ELIGIBILITY FOR REFUNDS (GENUINE ISSUES ONLY)\n\n3.1. Strict Refund Eligibility Criteria. DesirePlex promises a 100% refund only for cases defined as Genuine Issues. A Genuine Issue is strictly limited to demonstrable, technical, or billing errors originating from the Platform or its direct payment processing integration with Cryptomus, specifically:\n\n(a) Technical Failure: Where a User has demonstrably paid for a service or subscription, but due to a provable technical fault on the Platform's side, access to the Content was never granted or was immediately and continuously unavailable for a period exceeding 48 hours.\n(b) Double Payment: Where the User is billed twice for the exact same subscription service in the same billing cycle due to a verified error in the Cryptomus or Platform integration.\n(c) Unauthorized Charge: Where a User can provide irrefutable proof that their account or associated payment method was used to purchase a subscription without their explicit authorization, and the Company is promptly notified.\n\n3.2. Excluded Bases for Refund (Non-Genuine Issues). The following circumstances are expressly not eligible for a refund under this Policy:\n\n(a) Change of Mind: Decisions to cancel or request a refund based on dissatisfaction, change of preference, or decision not to utilize the purchased service after access has been granted.\n(b) Content Interpretation: Requests for refunds based on the User's subjective interpretation of the Semi-Adult Content, provided the Content remains compliant with the Company's non-pornography mandate.\n(c) Failure to Comply with Terms: Account suspension or termination resulting from the User's breach of the Terms of Service (e.g., accessing content as a minor or unauthorized distribution) will not result in a refund.\n(d) Cryptocurrency Market Fluctuations: Losses incurred due to the change in value of the cryptocurrency used for payment between the time of purchase and a refund request.\n(e) Incorrect Payment Execution: Errors made by the User, such as sending the wrong amount, sending to the wrong network, or insufficient network fees.\n\nSECTION 4. REFUND PROCEDURE AND PROCESSING\n\n4.1. Formal Request Submission. All refund requests must be formally submitted via email to support@desireplex.com within seven (7) calendar days of the alleged Genuine Issue occurring.\n\n4.2. Required Proof of Genuine Issue. The User must provide, as part of the formal request, conclusive and verifiable evidence to substantiate the claim, which may include:\n\n(a) Complete, unedited Cryptomus transaction receipt or identifier.\n(b) Blockchain transaction hash (TxID).\n(c) Detailed description and supporting documentation (e.g., non-tampered screenshots, video capture) demonstrating the technical failure.\n\n4.3. Review and Verification Process. All requests are subject to rigorous review by the Company’s finance and technical departments. This verification may take up to twenty-one (21) business days from the date of submission.\n\n4.4. Refund Disbursement. If a refund is approved:\n\n(a) The refund will be calculated based on the exact cryptocurrency amount originally received by the Company, minus any transaction/network fees imposed by the blockchain or Cryptomus on the initial deposit and the subsequent refund, which are non-recoverable.\n(b) The refund will be disbursed to a cryptocurrency wallet address designated and provided by the User. The User is solely responsible for ensuring the provided wallet address is correct and capable of receiving the designated cryptocurrency.\n(c) The Company is not responsible for any loss in value of the refunded cryptocurrency due to market volatility between the date of the original payment and the date of refund disbursement.\n\nSECTION 5. FRAUD PREVENTION AND CHARGEBACK CLAUSES\n\n5.1. Zero Tolerance for Fraud. The Company maintains a strict zero-tolerance policy against any attempt to obtain a refund fraudulently, including falsification of evidence, initiation of unwarranted payment disputes, or attempts to exploit the refund process.\n\n5.2. Chargeback Disclaimer (Not Applicable to Crypto). As all payments are made via cryptocurrency, the traditional concept of a 'credit card chargeback' does not apply. However, any attempt to reverse a crypto payment via external means (if technologically feasible) or any attempt to initiate a dispute through a third-party banking institution based on a fiat-to-crypto transaction will be deemed a violation of this Policy.\n\n5.3. Legal Recourse. In the event of a breach of this Policy, the Company reserves the right to pursue all available legal remedies, including, but not limited to, account termination, denial of future service, and seeking damages in the stipulated jurisdiction of International Arbitration in Singapore.\n\n--- [ Policy Section Break ] ---\n\n## Refund and Payment Policy Addendum: Cryptocurrency Specifics\n\nSECTION 1. ADVANCED CRYPTOMUS TRANSACTION PROTOCOLS\n\n1.1. Integration and Scope. This Addendum provides detailed specificity regarding the cryptocurrency transaction process, complementing the main Refund and Payment Policy. Payments are processed exclusively through the Cryptomus API integration.\n\n1.2. Mandatory Wallet Identification. Users must understand that while the Company does not store private keys, the Cryptomus transaction process necessarily requires the identification of a payment source wallet address and a corresponding destination wallet address (provided by Cryptomus). These addresses are recorded solely for transaction verification, reconciliation, and fraud prevention purposes.\n\n1.3. Network Fee Responsibility. The User is entirely responsible for the calculation, inclusion, and payment of the applicable blockchain Network Fee (or 'Gas Fee') required to validate and confirm the transaction. Insufficient Network Fees will result in a failed transaction and loss of the fee amount, for which DesirePlex assumes no liability.\n\n1.4. Blockchain Confirmation Threshold. Access to Premium Content will only be granted upon the requisite number of blockchain confirmations (typically between one and six, depending on the network and Cryptomus protocols) that satisfy the security threshold of Cryptomus. Pending transactions do not grant immediate access.\n\nSECTION 2. SPECIFIC CRYPTOCURRENCY REFUND CALCULATIONS\n\n2.1. Refund Denomination. All approved refunds, as defined by the main Policy's 'Genuine Issues' criteria, shall be disbursed in the original cryptocurrency denomination and amount received by the Company, irrespective of the cryptocurrency's current fiat or market value.\n\n2.2. Non-Recoverable Fees. The User acknowledges that the following fees are non-recoverable and will be deducted from any refund amount:\n\n(a) Initial Deposit Network Fee: The cost (Gas Fee) paid by the User to the blockchain network to send the original payment.\n(b) Cryptomus Gateway Fee: Any commission or processing fee levied by Cryptomus for the initial incoming transaction.\n(c) Refund Disbursement Network Fee: The cost (Gas Fee) required to send the refund transaction back to the User's designated wallet.\n\n2.3. Illustration of Refund Calculation. If a User paid 0.01 BTC, and the total non-recoverable fees (initial Cryptomus fee + refund Gas Fee) amount to 0.0001 BTC, the User will receive a net refund of 0.0099 BTC. The fiat value of this BTC at the time of refund is irrelevant to the Company's obligation.\n\n2.4. Proof of Refund. The Company's fulfillment of its refund obligation is complete upon providing the User with the blockchain transaction hash (TxID) of the outbound refund transaction. Any subsequent delays or issues related to the User's receiving wallet, the blockchain network, or Cryptomus on the receiving side are the User's sole responsibility.\n\nSECTION 3. FRAUD AND ANOMALY DETECTION PROTOCOLS\n\n3.1. Automated Fraud Screening. Cryptomus integration includes automated fraud screening based on transaction patterns, velocity, and source addresses. Any transaction flagged as high-risk will be subject to manual review, which may delay Content access for up to 72 hours.\n\n3.2. Transaction Origin Vetting. The Company reserves the right to request additional verification from the User if the transaction origin exhibits unusual or suspicious characteristics (e.g., coming from a sanctioned address or a known mixing service), for the purpose of compliance with international Anti-Money Laundering (AML) and Know-Your-Customer (KYC) principles, even though the primary payment method is cryptocurrency.\n\n3.3. Dispute Resolution for Crypto Transactions. Given the irreversible nature of cryptocurrency transactions, the User explicitly waives any right to challenge or 'chargeback' a confirmed blockchain transaction via a third-party banking or payment service provider if the funds originated from a fiat-to-crypto exchange. The User's only recourse for a refund is the formal Genuine Issues procedure detailed in the main Refund Policy, leading to International Arbitration in Singapore as the final dispute mechanism for any disagreement over refund eligibility.

Last Updated: 2025-10-29 (Note: Content dynamically combines multiple policies.)

Refund and Cryptocurrency Payment Policy\n\nSECTION 1. SCOPE AND GOVERNING PRINCIPLES\n\n1.1. Application. This Refund and Payment Policy (the 'Policy') governs all financial transactions, including payments for subscriptions and purchases, and outlines the precise conditions and procedures under which refunds may be issued by DesirePlex.\n\n1.2. Exclusive Payment Method. The Platform utilizes Cryptomus as its exclusive payment gateway for all transactions. All payments must be made using supported cryptocurrencies as specified at the time of purchase.\n\n1.3. No Fiat Currency Handling. DesirePlex does not accept, process, or hold any traditional fiat currency (USD, EUR, etc.). All transactions are crypto-to-crypto (where applicable) or crypto-to-fiat conversion handled solely by the Cryptomus gateway before the final crypto disbursement to the Company. The User assumes all exchange rate risks associated with their native currency.\n\n1.4. Principle of Non-Refundable Access. Due to the immediate and intangible nature of digital content access, subscriptions and one-time purchases are generally non-refundable, except for the specific, genuine issues detailed in Section 3.\n\nSECTION 2. PAYMENT TERMS AND CRYPTOCURRENCY RISKS\n\n2.1. Payment Execution. The User is responsible for initiating and correctly executing the cryptocurrency transaction, including using the correct Cryptomus-provided wallet address, selecting the proper network, and ensuring adequate payment of network/gas fees.\n\n2.2. Transaction Finality. Cryptocurrency transactions are generally irreversible once confirmed on the blockchain. The Company is not responsible for User errors, including sending funds to an incorrect address or using an unsupported network.\n\n2.3. Cryptocurrency Volatility Disclaimer. The User expressly acknowledges the inherent and substantial risks associated with cryptocurrency, including:\n\n(a) Price Volatility: Rapid and unpredictable fluctuations in the market value of the cryptocurrency used for payment.\n(b) Network Congestion: Potential delays in transaction confirmation due to blockchain network activity.\n(c) Regulatory Risk: The risk that regulatory changes may adversely affect the value or usability of the cryptocurrency.\n\n2.4. Exchange Rate Determination. For subscriptions denominated in a nominal fiat currency (e.g., USD), the cryptocurrency equivalent is determined by the real-time exchange rate provided by Cryptomus at the precise moment the User initiates the transaction. This rate is final for that transaction, and the Company is not liable for subsequent market fluctuations.\n\n2.5. Billing Cycles and Failure. Subscriptions are billed in recurring cycles (e.g., monthly, annually). Failure to maintain sufficient funds in the designated wallet, or a failure of the Cryptomus gateway to complete the transaction, may result in immediate suspension of Premium Content access.\n\nSECTION 3. ELIGIBILITY FOR REFUNDS (GENUINE ISSUES ONLY)\n\n3.1. Strict Refund Eligibility Criteria. DesirePlex promises a 100% refund only for cases defined as Genuine Issues. A Genuine Issue is strictly limited to demonstrable, technical, or billing errors originating from the Platform or its direct payment processing integration with Cryptomus, specifically:\n\n(a) Technical Failure: Where a User has demonstrably paid for a service or subscription, but due to a provable technical fault on the Platform's side, access to the Content was never granted or was immediately and continuously unavailable for a period exceeding 48 hours.\n(b) Double Payment: Where the User is billed twice for the exact same subscription service in the same billing cycle due to a verified error in the Cryptomus or Platform integration.\n(c) Unauthorized Charge: Where a User can provide irrefutable proof that their account or associated payment method was used to purchase a subscription without their explicit authorization, and the Company is promptly notified.\n\n3.2. Excluded Bases for Refund (Non-Genuine Issues). The following circumstances are expressly not eligible for a refund under this Policy:\n\n(a) Change of Mind: Decisions to cancel or request a refund based on dissatisfaction, change of preference, or decision not to utilize the purchased service after access has been granted.\n(b) Content Interpretation: Requests for refunds based on the User's subjective interpretation of the Semi-Adult Content, provided the Content remains compliant with the Company's non-pornography mandate.\n(c) Failure to Comply with Terms: Account suspension or termination resulting from the User's breach of the Terms of Service (e.g., accessing content as a minor or unauthorized distribution) will not result in a refund.\n(d) Cryptocurrency Market Fluctuations: Losses incurred due to the change in value of the cryptocurrency used for payment between the time of purchase and a refund request.\n(e) Incorrect Payment Execution: Errors made by the User, such as sending the wrong amount, sending to the wrong network, or insufficient network fees.\n\nSECTION 4. REFUND PROCEDURE AND PROCESSING\n\n4.1. Formal Request Submission. All refund requests must be formally submitted via email to support@desireplex.com within seven (7) calendar days of the alleged Genuine Issue occurring.\n\n4.2. Required Proof of Genuine Issue. The User must provide, as part of the formal request, conclusive and verifiable evidence to substantiate the claim, which may include:\n\n(a) Complete, unedited Cryptomus transaction receipt or identifier.\n(b) Blockchain transaction hash (TxID).\n(c) Detailed description and supporting documentation (e.g., non-tampered screenshots, video capture) demonstrating the technical failure.\n\n4.3. Review and Verification Process. All requests are subject to rigorous review by the Company’s finance and technical departments. This verification may take up to twenty-one (21) business days from the date of submission.\n\n4.4. Refund Disbursement. If a refund is approved:\n\n(a) The refund will be calculated based on the exact cryptocurrency amount originally received by the Company, minus any transaction/network fees imposed by the blockchain or Cryptomus on the initial deposit and the subsequent refund, which are non-recoverable.\n(b) The refund will be disbursed to a cryptocurrency wallet address designated and provided by the User. The User is solely responsible for ensuring the provided wallet address is correct and capable of receiving the designated cryptocurrency.\n(c) The Company is not responsible for any loss in value of the refunded cryptocurrency due to market volatility between the date of the original payment and the date of refund disbursement.\n\nSECTION 5. FRAUD PREVENTION AND CHARGEBACK CLAUSES\n\n5.1. Zero Tolerance for Fraud. The Company maintains a strict zero-tolerance policy against any attempt to obtain a refund fraudulently, including falsification of evidence, initiation of unwarranted payment disputes, or attempts to exploit the refund process.\n\n5.2. Chargeback Disclaimer (Not Applicable to Crypto). As all payments are made via cryptocurrency, the traditional concept of a 'credit card chargeback' does not apply. However, any attempt to reverse a crypto payment via external means (if technologically feasible) or any attempt to initiate a dispute through a third-party banking institution based on a fiat-to-crypto transaction will be deemed a violation of this Policy.\n\n5.3. Legal Recourse. In the event of a breach of this Policy, the Company reserves the right to pursue all available legal remedies, including, but not limited to, account termination, denial of future service, and seeking damages in the stipulated jurisdiction of International Arbitration in Singapore.\n\n--- [ Policy Section Break ] ---\n\n## Refund and Payment Policy Addendum: Cryptocurrency Specifics\n\nSECTION 1. ADVANCED CRYPTOMUS TRANSACTION PROTOCOLS\n\n1.1. Integration and Scope. This Addendum provides detailed specificity regarding the cryptocurrency transaction process, complementing the main Refund and Payment Policy. Payments are processed exclusively through the Cryptomus API integration.\n\n1.2. Mandatory Wallet Identification. Users must understand that while the Company does not store private keys, the Cryptomus transaction process necessarily requires the identification of a payment source wallet address and a corresponding destination wallet address (provided by Cryptomus). These addresses are recorded solely for transaction verification, reconciliation, and fraud prevention purposes.\n\n1.3. Network Fee Responsibility. The User is entirely responsible for the calculation, inclusion, and payment of the applicable blockchain Network Fee (or 'Gas Fee') required to validate and confirm the transaction. Insufficient Network Fees will result in a failed transaction and loss of the fee amount, for which DesirePlex assumes no liability.\n\n1.4. Blockchain Confirmation Threshold. Access to Premium Content will only be granted upon the requisite number of blockchain confirmations (typically between one and six, depending on the network and Cryptomus protocols) that satisfy the security threshold of Cryptomus. Pending transactions do not grant immediate access.\n\nSECTION 2. SPECIFIC CRYPTOCURRENCY REFUND CALCULATIONS\n\n2.1. Refund Denomination. All approved refunds, as defined by the main Policy's 'Genuine Issues' criteria, shall be disbursed in the original cryptocurrency denomination and amount received by the Company, irrespective of the cryptocurrency's current fiat or market value.\n\n2.2. Non-Recoverable Fees. The User acknowledges that the following fees are non-recoverable and will be deducted from any refund amount:\n\n(a) Initial Deposit Network Fee: The cost (Gas Fee) paid by the User to the blockchain network to send the original payment.\n(b) Cryptomus Gateway Fee: Any commission or processing fee levied by Cryptomus for the initial incoming transaction.\n(c) Refund Disbursement Network Fee: The cost (Gas Fee) required to send the refund transaction back to the User's designated wallet.\n\n2.3. Illustration of Refund Calculation. If a User paid 0.01 BTC, and the total non-recoverable fees (initial Cryptomus fee + refund Gas Fee) amount to 0.0001 BTC, the User will receive a net refund of 0.0099 BTC. The fiat value of this BTC at the time of refund is irrelevant to the Company's obligation.\n\n2.4. Proof of Refund. The Company's fulfillment of its refund obligation is complete upon providing the User with the blockchain transaction hash (TxID) of the outbound refund transaction. Any subsequent delays or issues related to the User's receiving wallet, the blockchain network, or Cryptomus on the receiving side are the User's sole responsibility.\n\nSECTION 3. FRAUD AND ANOMALY DETECTION PROTOCOLS\n\n3.1. Automated Fraud Screening. Cryptomus integration includes automated fraud screening based on transaction patterns, velocity, and source addresses. Any transaction flagged as high-risk will be subject to manual review, which may delay Content access for up to 72 hours.\n\n3.2. Transaction Origin Vetting. The Company reserves the right to request additional verification from the User if the transaction origin exhibits unusual or suspicious characteristics (e.g., coming from a sanctioned address or a known mixing service), for the purpose of compliance with international Anti-Money Laundering (AML) and Know-Your-Customer (KYC) principles, even though the primary payment method is cryptocurrency.\n\n3.3. Dispute Resolution for Crypto Transactions. Given the irreversible nature of cryptocurrency transactions, the User explicitly waives any right to challenge or 'chargeback' a confirmed blockchain transaction via a third-party banking or payment service provider if the funds originated from a fiat-to-crypto exchange. The User's only recourse for a refund is the formal Genuine Issues procedure detailed in the main Refund Policy, leading to International Arbitration in Singapore as the final dispute mechanism for any disagreement over refund eligibility.