Ika Refund Policy

This Refund Policy explains how refunds are handled on the Ika platform. Ika provides tools for writers ("Creators") to run subscription-based newsletters for their audience ("Readers"). Our platform facilitates payments from Readers to Creators through our payment processor, Paystack.

The core principle of our platform is that the financial and content relationship is directly between the Creator and their Readers. As such, all refund policies are set and managed by the individual Creators.

When you subscribe to a Creator's newsletter on Ika, you are purchasing a product directly from that Creator.

How to Request a Refund: Your first point of contact for a refund should always be the Creator of the newsletter. If you cannot resolve the issue directly, you may be eligible for an Ika-assisted refund under the specific circumstances outlined in Section 5.

Ika's Role: While the primary responsibility for refunds lies with the Creator, Ika may assist in specific situations as outlined in Section 5 of this policy. Outside of these exceptions, Ika does not mediate refund disputes and will direct requests to the relevant Creator.

As stated in our Terms of Service, you are the seller of your content and are responsible for all aspects of your subscription business, including refunds.

Your Refund Policy: It is your sole responsibility to establish and communicate a clear refund policy for your Readers to manage their expectations.

Processing Refunds: You can process refunds for any transaction directly through your Paystack sub-merchant dashboard. This should be your primary method for issuing refunds.

Our Role: The financial responsibility for refunds generally lies with you. However, to support a fair platform, Ika will process refunds in the specific cases detailed in Section 5. The financial liability for these platform-issued refunds may be passed to you.

If a Reader is unsatisfied with a transaction and cannot resolve the issue with a Creator directly, they may initiate a dispute (a "chargeback") with their bank. As detailed in our Terms of Service, Creators are solely responsible for managing and bearing the financial liability for all chargebacks.

To support Creators and protect Readers, Ika will honor refund requests under the following specific conditions. To submit a request directly to Ika, please contact our Support team.

• We will issue a refund if a request is submitted to Ika within 7 days of payment. Requests submitted more than 7 days from the payment date will be left to the Creator's discretion. If one subscriber has submitted more than 3 refund requests, further requests may also be left to the Creator's discretion.
• We will issue a refund if a publication is dormant. A dormant publication is one that has been inactive for at least 6 months for yearly subscribers or at least 1 month (from the date of payment) for monthly subscribers. Inactivity means the publication has not published any posts in that time.
• We may issue a refund for payment processing errors, such as duplicate charges. Duplicate charges must have been made under the same account at the same time and must have been caused by a payment processing error. Charges made under different email addresses will be left to the Creator's discretion.

Note: Refunds may take up to 5-10 business days to appear on your bank or credit card statement.