Refund & Billing | Flower Puss

REFUND & BILLING POLICY

Effective Date: [01/06/2026] Last Updated: [01/06/2026]

1. PURPOSE & SCOPE

This Refund & Billing Policy (the “Policy”) governs all billing, settlement, refund and
chargeback activity conducted by Flower Puss across its digital platform at flowerpuss.global. It is
issued by Flower Puss Global Pty Limited and applies to the related operating entities Flower Puss
Pty Ltd and Jitter App Pty Ltd (together, “Flower Puss”, “we” or “us”).

The Policy is written to satisfy the underwriting, risk and contractual requirements of our
acquiring banks, payment service providers and card-scheme partners. It defines the commercial
terms presented to consumers and creators, and the control obligations Flower Puss accepts as a
merchant operating in a regulated, high-risk industry vertical.

Covered transactions include subscriptions and recurring membership tiers (Free, Premium
and VIP);
pay-per-view (PPV) content unlocks, tips, custom-content commissions and bookings;
all card, wallet and alternative-payment settlements processed through our acquirers.

Term	Meaning
Acquirer	The bank or payment institution that settles card transactions on behalf of Flower Puss.
Cardholder	The end user (consumer) whose payment instrument is charged for content or subscriptions.
Creator	An independent contributor monetising content through the platform.
Chargeback	A forced reversal of a settled transaction initiated by the cardholder’s issuing bank.
Billing Cycle	The recurring interval over which a subscription is charged (see Section 3).
Digital Content	Any non-tangible item delivered electronically — media, messages, livestreams or downloads.

2. KEY DEFINITIONS

Plan / Charge Type	Billing Cycle	Renewal	Settlement
Premium membership	Monthly (30 days)	Auto-renews	Stripe / Wix Payments
VIP membership	Monthly (30 days)	Auto-renews	Stripe / Wix Payments
PPV unlock	One-time	None	Immediate capture
Tips & custom content	One-time	None	Immediate capture
Bookings / livestreams	Per session	None	Captured on confirmation

3. BILLING CYCLES & PAYMENT TERMS

Flower Puss operates on fixed, clearly disclosed billing cycles. The applicable cycle, price and
renewal date are shown at the point of sale and confirmed by email before the first charge is
taken.

Recurring subscriptions renew automatically at the end of each billing cycle using the payment
credential on file, until cancelled. The renewal amount equals the then-current published price for
the plan. Where a price change applies, affected subscribers receive at least 14 days’ advance
notice before the next renewal.

3.1 Recurring billing & renewals

A subscriber may cancel at any time from account settings. Cancellation stops future renewals;
access to paid features continues until the end of the current paid period. Cancellation does not,
by itself, generate a refund for the current cycle except where Section 5 or applicable law requires
one.

3.2 Cancellation

If a renewal authorisation is declined, access may be suspended and the platform will re-attempt
the charge over a short retry window. Persistent failure results in downgrade to the Free tier
without penalty to the cardholder.

3.3 Failed payments & dunning

Transparency. All prices are displayed inclusive of applicable Australian GST where required,
in the currency shown at checkout.
Reference pricing. Indicative reference pricing includes the Premium tier at AUD 9.99 per
month; current pricing always governs and is shown at the point of sale.
FX & bank fees. Cross-border and currency-conversion fees levied by the cardholder’s own
bank are outside Flower Puss’s control and are not refundable by us.

4. PRICING, TAXES & CURRENCY

Because the platform delivers digital content that is consumed immediately, purchases are
generally final. Flower Puss nonetheless honours all non-excludable guarantees under the
Australian Consumer Law (ACL) and will provide a remedy where those guarantees are not met.

5. REFUND ELIGIBILITY

Consumer guarantee. Nothing in this Policy limits a consumer’s rights under the ACL. Where
digital content is faulty, not as described, or fails to perform as a reasonable person would expect,
the cardholder is entitled to a repair, replacement or refund as the law requires.

Eligible scenario	Window	Outcome
Duplicate or accidental double-charge	60 days	Full refund of the duplicate
Content not delivered after payment	30 days	Full refund or re-delivery
Content materially not as described / faulty	14 days	Refund, replacement or credit
Verified unauthorised / fraudulent charge	Per scheme rules	Full refund + account review
Subscription billed after valid cancellation	1 cycle	Refund of the erroneous cycle

5.1 When a refund will be granted

Except where the ACL or Section 5.1 applies, the following are sold on a strictly non-refundable
basis, and this is disclosed to the cardholder before purchase (“Your purchase is non-
refundable”):

 tips and voluntary gratuities to creators;
 PPV content that has been unlocked, viewed or downloaded;
 custom content delivered to the agreed specification within the agreed timeframe;
 partially used subscription periods following a mid-cycle cancellation.

5.2 Non-refundable items

How to request. Submit a request to billing@flowerpuss.global with the transaction ID, date
and reason.
Assessment. Flower Puss acknowledges within 2 business days and resolves eligible
requests within 10 business days.
Method. Approved refunds are returned to the original payment method via the original
acquirer; settlement timing then depends on the issuing bank (typically 3–10 business days).
Creator offset. Creators acknowledge that refunds validly issued to a cardholder may be
offset against the creator’s earnings for the affected transaction.

6. REFUND PROCESS & TIMEFRAMES

Flower Puss strongly encourages cardholders to contact us first — most issues are resolved faster
directly than through a formal dispute, and unnecessary chargebacks raise costs and risk for
everyone in the payment chain.

7. CHARGEBACKS & DISPUTE RESOLUTION

Raise a dispute through your account or at billing@flowerpuss.global. We aim to reach a fair
outcome within 10 business days, applying Section 5 and the ACL.

7.1 Internal dispute resolution (Tier 1)

Where a cardholder initiates a chargeback through their issuing bank, Flower Puss will respond
within scheme deadlines. We retain transaction evidence — access logs, delivery confirmation,
consent records and the disclosed terms — and may submit representment for transactions we
believe were valid.

7.2 Chargebacks & representment (Tier 2)

Anti-abuse. Filing a chargeback for content that was delivered as described (“friendly fraud”) is a
breach of these terms. Affected accounts may be suspended pending review and the disputed
balance recovered in line with scheme rules.

If a consumer remains dissatisfied after internal resolution, they may pursue the relevant
external avenue, including the Australian Financial Complaints Authority where applicable, or the
consumer-protection regulator in their jurisdiction. This Policy does not remove any such right.

7.3 External escalation (Tier 3)

Provision	Commitment
Scheme compliance	Adherence to Visa, Mastercard and processor rules for high-risk / adult- content MCCs.
Chargeback monitoring	Active monitoring to keep ratios below scheme thresholds; remediation on early-warning.
Fraud controls	Use of processor fraud-detection (Stripe / Wix Payments), 3-D Secure and velocity checks.
Age & consent	All participants verified 18+ with documented consent before content is monetised.
Data security	PCI-DSS-aligned handling; card data tokenised and held by the processor, not by Flower Puss.
Reserves & settlement	Acknowledgement of rolling reserves and settlement terms set by the acquirer.
Prohibited content	Enforced content rules barring illegal, non-consensual or infringing material.

8. ACQUIRER & PAYMENT PROCESSOR PROVISIONS

The following clauses are directed specifically at our acquiring banks, payment facilitators and
card-scheme partners, and reflect the controls Flower Puss maintains as a merchant in a high-risk
vertical.

This Policy is governed by the laws of Australia and is read together with the Flower Puss Privacy
Policy, Compliance Policy and Creator Compliance Guide. Where any term conflicts with a non-
excludable consumer right or an applicable card-scheme rule, that right or rule prevails to the
extent of the inconsistency.
Flower Puss may update this Policy to reflect changes in law, scheme requirements or business
operations; material changes are notified before they take effect.

Billing & disputes: billing@flowerpuss.global
Flower Puss Global Pty Limited · Flower Puss Pty Ltd · Jitter App Pty Ltd