Sales & Refunds Policy for SILK

1. General Overview

SILK is a digital self-publishing platform that allows creators to sell original written content directly to readers. All sales on SILK involve digital goods, not physical products.

Because digital content is delivered instantly, different rules apply compared to physical purchases.

2. Pricing and Payments (Readers)

• Prices for stories and content are set by the creator, unless otherwise stated
• All prices are shown before checkout
• Payments are processed securely through supported payment methods

Once a purchase is completed, the reader receives immediate access to the digital content.

3. Refund Policy for Readers

Digital Content Rule

Due to the nature of digital content, all sales are generally final once access has been granted.

Approved refunds will be processed to the original payment method where possible.

4. Chargebacks and Abuse

Initiating unauthorized chargebacks or payment disputes without contacting SILK first may result in:

• Account suspension
• Loss of access to purchased content

We encourage users to contact support before escalating payment disputes.

5. Creator Earnings and Sales

• Creators earn revenue from reader purchases of their content
• Earnings are calculated based on completed, non-refunded sales
• SILK may apply a platform service fee, disclosed separately

Creators are responsible for:

• Setting accurate prices
• Ensuring content quality and originality
• Complying with applicable tax laws

6. Creator Payouts

• Payouts are sent to the Mobile Money number provided by the creator
• Creators must ensure payout details are accurate and up to date
• SILK is not responsible for failed payouts caused by incorrect information

Payout schedules and minimum payout thresholds (if any) will be communicated on the platform.

7. Refund Impact on Creators

If a refund is approved:

• The refunded amount will be deducted from the creator's earnings
• If the payout has already occurred, the amount may be deducted from future earnings

Refunds are handled carefully to protect both readers and creators.

8. Content Removal and Account Termination

If a creator's content is removed due to:

• Copyright infringement
• Legal violations
• Breach of SILK policies

SILK reserves the right to:

• Disable sales of the content
• Withhold unpaid earnings related to that content
• Issue refunds to affected readers where appropriate

9. Taxes and Legal Obligations

• Creators are solely responsible for declaring and paying any taxes on earnings
• SILK does not provide tax advice

Readers are responsible for any applicable local taxes included in purchases.

10. Currency and Regional Considerations

• Transactions may occur in different currencies depending on location
• Conversion rates and transaction fees may be applied by payment providers

SILK is not responsible for third-party payment provider fees or exchange rate differences.

11. Policy Changes

SILK reserves the right to update this Sales & Refunds Policy at any time. Updates will be posted with a revised "Last Updated" date.

Continued use of the platform constitutes acceptance of the updated policy.

12. Contact and Support

For sales, payment, or refund inquiries, please contact: