Payments & Refunds Policy

This Payments & Refunds Policy governs every payment on Nodifye: subscription fees paid by credit or debit card, subscription fees paid in bitcoin over the Lightning Network, and peer-to-peer zaps between members. It forms part of the Terms of Service. Where this policy and the Terms conflict on a payment question, this policy controls.

• Credit or debit card. Cards are processed by our payment processor. Nodifye never sees or stores your full card number, expiry, or security code — the processor holds those details and returns only a token plus the last four digits so we can show you which card is on file.
• Bitcoin over Lightning. You are shown an invoice for the exact amount and pay it from any Lightning wallet. Nodifye is non-custodial and does not hold bitcoin balances on your behalf.

You may switch payment methods between billing periods from Settings. Switching does not create a refund of the period already paid.

• Card subscriptions renew automatically at the then-current price on the same day of each month, or each year for annual plans, until you cancel. By entering a card you authorise these recurring charges.
• Lightning subscriptions never auto-charge. Bitcoin payments cannot be pulled from your wallet. We remind you in-app 7, 3, and 1 days before expiry and present an invoice you choose to pay.
• Grace period. If a Lightning renewal is not paid by the due date, paid capabilities stay live for a 5-day grace period. After that they lock until you renew. Your account, profile, and content are not deleted.
• Failed card charges. We may retry a declined card for up to 5 days. If it keeps failing, the subscription lapses to the free Explorer tier.

All payments to Nodifye are final and non-refundable. This applies in full to credit and debit card charges, to Lightning payments, and to any partial period.

• We do not refund unused time when you cancel, downgrade, or stop using the service.
• We do not issue prorated credits for mid-cycle changes.
• We do not refund because a member forgot to cancel before a renewal date. Renewal dates are shown in Settings and in advance reminders.
• We do not refund for loss of a seed phrase, loss of access to a wallet, or data you chose to keep only on your own node.
• Lightning payments are technically irreversible. Once broadcast and settled, no one — including Nodifye — can claw them back.

Where non-waivable consumer law in your jurisdiction grants a statutory right to cancel or be refunded, that right applies and this section does not limit it.

• Cancel any time in Settings — no ticket, no call, no retention gauntlet.
• Cancellation stops future charges. It is not a refund of the current period.
• You keep full access to your paid tier until the end of the billing period you already paid for. At that moment the account drops to the free Explorer tier.
• If your tier includes a Nodifye-hosted node, that instance is decommissioned 14 days after the paid period ends. Export your data before then; Sovereign — BYO members keep their own node either way.

Prices are quoted in US dollars. Bitcoin amounts are converted at the exchange rate shown on the invoice at the time it is generated; rate movement after that is your risk, and we do not top up or refund the difference.

We give at least 30 days' notice in-app before any price increase, and it only takes effect at your next renewal. Continuing after that date is acceptance of the new price. Prices exclude any sales tax or VAT that must be added at checkout.

Talk to us first — open a billing ticket and we will work through it. Filing a card chargeback instead of contacting us may result in immediate suspension of the account pending resolution, and we may decline to serve the account in future. We will supply the processor with account, invoice, and access logs to answer a dispute.

Zaps are peer-to-peer value-for-value payments from your wallet to another member's wallet. Nodifye is not a party to them, takes no cut, holds no funds, and cannot reverse them. Send only what you mean to send. See the Value-for-Value policy.

• You confirm you are authorised to use the card or wallet you pay with. Unauthorised use is grounds for suspension.
• If we charge you in genuine error — a duplicate charge, or a charge after a confirmed cancellation — tell us and we will correct it. That is a correction, not a refund of a valid charge.
• We may refuse or reverse a payment we reasonably believe is fraudulent or breaches these terms.

Every payment produces a receipt in Settings — amount, method, period covered, and next renewal date. Card receipts show only the last four digits of the card. Lightning receipts show the invoice and settlement record.

Billing questions go through our ticket queue — open a ticket. We reply in-app; an email address is optional.