Refund Policy

Last updated: September 2026

This page explains what happens if something goes wrong with SMO credit you have bought. It applies to every purchase made through the SimpleMoney store.

What SMO is

SMO is a prepaid balance that unlocks features on this platform — AI tools, app features, and paid unlocks. Buying SMO is buying the use of those features in advance. It is delivered to your wallet immediately when payment completes, and can be spent from that moment.

SMO has no cash value outside the platform. It cannot be withdrawn, sold, sent to another account, or converted into any other currency.

Refunds are given in credit

When a paid feature fails, the SMO it charged is returned to your wallet automatically. You do not need to ask, and there is nothing to fill in. If an AI generation is charged and then fails to produce a result, the charge comes back on the spot.

The same principle applies to anything else that goes wrong on our side: the fix is to put the credit back, so you can spend it on what you actually wanted.

Purchases made from another member work differently — see Buying from another member below.

Buying from another member

Some parts of SimpleMoney let you spend SMO with another member rather than with us — a webinar seat, a digital product, a tip, a paid answer, a membership. When you do, the credit leaves your wallet and goes to that member, less a platform fee.

If a host cancels a paid webinar, everyone who booked is refunded automatically — the full price, including the platform fee, back to your wallet. You do not need to ask. The cancellation is recorded before the refunds run, so no one can book a seat into a webinar that is being taken down.

Four features hold your SMO until the other side delivers, and release it to them only then: Paid Critique and Paid Commission requests (held until the work is delivered or accepted; cancel before anyone claims it and the full amount comes back), Group Buy (held until the campaign reaches its threshold; if the deadline passes first, every buyer is refunded in full) and Paid Raffles (held until the draw; tickets are not refundable). Each page says so before you buy. Whenever SimpleMoney refunds one of these automatically, it is the full price — the platform fee is never kept on a refund.

Everything else pays the member at the moment you buy, and where a purchase cannot be undone — a membership, a raffle ticket, a document sent for signature, a directory listing — the page tells you before you confirm.

For anything else — a seller who takes the credit and does not deliver — tell us through the contact form. We will look at the record of the transaction and put the credit back where the claim holds up. The credit has already moved to that member's wallet, so how quickly it can come back may depend on their balance.

When money can come back instead

Because SMO is delivered instantly and can be spent immediately, purchases are generally final. Money is returned to your payment method only in these cases:

Outside those cases — in particular once the SMO from a purchase has been spent — purchases are final.

Your right to cancel

Some countries give consumers a period in which to cancel a purchase of digital content. Because SMO is delivered to your wallet the moment payment completes, you are asked to agree at checkout that delivery begins immediately, which ends that cancellation right once the credit has been used. Until you spend any of it, the 14-day option in the table above applies.

If a payment is reversed

If a payment is refunded or reversed for any reason — including a dispute raised with your payment provider — the corresponding SMO is removed from your wallet. If it has already been spent, the balance will show as negative and further purchases and paid features are unavailable until it is cleared.

This is not a penalty. It simply keeps the two sides in step: credit that was paid for with money that has been returned is not credit you still hold.

Free credit

SMO given away — a welcome grant, a daily top-up, a leaderboard prize — was never purchased and is never refundable in money. FUN, the play-money currency used by the games, is never sold and never converts to SMO, so it is outside this policy entirely.

How to ask

Use the contact or feedback form on the site. Include the date of the purchase and the pack you bought. Requests are answered by one person, so allow a few days.

If you paid through PayPal you can also raise the matter with PayPal directly. We would rather you asked us first — it is faster, and in most cases the credit can be put back the same day.

Changes

This policy may be updated as the platform evolves. The version that applies to a purchase is the one published on the day the purchase was made.