Payment Policy

1. Introduction

This Payment Policy explains how keysa gaan OÜ ("Forge," "we," "our," or "us") processes payments for our AI creation marketplace services. By making a purchase on Forge, you agree to the terms outlined in this policy.

Forge is operated by keysa gaan OÜ, registered at Pallasti tn 33-154, Tallinn 11416, Estonia, Registry code: 17531664. We are committed to transparent and secure payment processing.

2. Credit System

2.1 How Credits Work

Forge operates on a prepaid credit system. All services are paid for using credits purchased in advance.

2.2 Credit Characteristics

• No Expiration: Credits never expire and remain in your account indefinitely
• Non-Transferable: Credits cannot be transferred between accounts
• Prepaid Only: Credits must be purchased before using any services
• Account-Bound: Credits are tied to your Forge account

2.3 Credit Usage

Credits are deducted from your wallet when you purchase services from artificers. The credit cost for each service is displayed before you confirm your purchase. Service prices are set by individual artificers and vary based on complexity, expertise, and delivery timeline.

3. Payment Methods

3.1 Accepted Cards

We accept the following payment methods for purchasing credits:

• Visa: Credit and debit cards
• Mastercard: Credit and debit cards

All payments are processed securely through PCI-DSS Level 1 certified payment processors. We do not store your full card details on our servers.

3.2 Payment Processing

Payment processing typically occurs instantly. In rare cases, additional verification may be required by your bank or card issuer, which could delay processing by up to 24 hours.

Payments are processed in USD. If your card is denominated in a different currency, your bank may apply currency conversion fees at their prevailing exchange rate.

4. No Subscriptions

Our payment model is designed for simplicity and transparency:

• No recurring charges: You will never be automatically billed
• No commitments: Purchase credits only when you need them
• No cancellation fees: There is nothing to cancel
• Full control: You decide when and how much to purchase

Each credit purchase is a deliberate, one-time action that you initiate. We will never store your payment method for automatic charging.

5. Refund Policy

We are committed to fair refund practices.

5.1 Summary

• Unused Credit Refunds: Unused credits may be refunded within 30 days of purchase
• Quality Guarantee: Services that do not meet agreed specifications may be eligible for credit refund
• Dispute Support: We provide mediation for service-related disputes

6. Payment Security

6.1 Data Protection

We employ industry-leading security measures to protect your payment information:

• PCI-DSS Level 1 Compliance: Our payment processor maintains the highest level of payment security certification
• TLS 1.3 Encryption: All payment data is encrypted in transit using the latest TLS protocol
• Tokenization: Your card details are tokenized and never stored on our servers
• 3D Secure 2.0: We support Strong Customer Authentication (SCA) for additional security

6.2 Fraud Prevention

We employ multiple fraud prevention measures to protect you:

• Real-time transaction monitoring
• Address Verification System (AVS)
• Card Verification Value (CVV) checks
• Velocity checks to detect unusual purchase patterns

6.3 Your Responsibilities

To help protect your account and payment information:

• Keep your login credentials secure and do not share them
• Enable two-factor authentication on your account
• Report any unauthorized transactions immediately to support@forge.actor
• Ensure your contact information is accurate and up to date

7. Dispute Resolution

7.1 Contact Us First

If you have any issues with a payment or transaction, please contact us before disputing the charge with your bank:

• Email: support@forge.actor
• Response Time: We aim to respond within 24 hours
• Resolution Goal: We strive to resolve all issues amicably and promptly

7.2 Chargeback Policy

We encourage you to contact us directly before initiating a chargeback with your bank. Many issues can be resolved faster through direct communication. Chargebacks that are determined to be illegitimate or fraudulent may result in account suspension.

8. Billing Records

8.1 Transaction History

All transactions are recorded in your account dashboard. You can view:

• Complete credit purchase history
• Service purchase history with credit deductions
• Current credit balance
• Downloadable invoices for all purchases

8.2 Record Retention

We retain transaction records for a minimum of 7 years to comply with tax and accounting regulations. You can request a copy of your transaction history at any time by contacting support@forge.actor.

9. Policy Updates

We may update this Payment Policy from time to time to reflect changes in our practices, payment methods, or legal requirements. Material changes will be notified to you via email or prominent notice on our website at least 14 days before they take effect. Your continued use of Forge after any changes indicates your acceptance of the updated policy.