Refund Policy

1. What is sold

Release 1: collections (one-time) and archive subscription via Telegram Stars. Individual stories are not sold separately.

2. How to request a refund (current)

For a paid checkout you can submit POST /api/v1/checkout/{checkout_id}/refund-request (authenticated account that owns the payment). This creates a refund-category ticket linked to checkout and payment; repeating the request for the same open checkout is idempotent.

Alternatively email support@storycard.ru or use the product support channel with category “refund”. Include approximate payment time, offer/subscription or checkout context, and your Telegram account. Do not send webhook secrets or other people’s data.

Operators decide refunds (admin apply-refund). Locally we mark payment/checkout refunded and revoke matching entitlement ledger rows. Actual Stars return on Telegram’s side is separate and not instant.

3. When a refund is likely

Typical review cases: duplicate charge due to a technical fault; payment without access after a reasonable wait (paid_no_access); clear offer error on our side.

Less likely: “changed my mind” after substantial paid reading; requests conflicting with Telegram rules; content withdrawn for legal/takedown without a service defect.

4. Access after refund

Access is revoked only after a confirmed refund / ledger revoke — not from a chat message alone or a Telegram UI status.

Collection ownership remains after subscription cancellation unless separately refunded/revoked for that purchase.

5. Telegram

Actual Stars returns depend on Telegram’s capabilities and rules. We do not control the platform and do not guarantee when Stars appear on a Telegram balance.

6. Updates

This policy is updated when the refund product surface changes. The current channels are the refund-request API and/or support, as in section 2.