CraftFolia Refund And Escrow Policy

Last Updated: June 2026


CraftFolia operates as an independent intermediary marketplace infrastructure provider
[5.1]. All payments, milestones, and funds are handled securely via our upfront escrow vault and third-party payment architecture [3.2, 3.3]. By funding a project or offering creative services on CraftFolia, you explicitly agree to the rules of this Refund Policy.


1. UPFRONT FUNDING AND ESCROW LOCK

• 1.1. Deposit Requirement: Publishers must fund 100% of the agreed project value upfront before any creative work begins [3.2]. These funds are locked securely in a non-interest-bearing intermediary escrow holding vault [3.3].

• 1.2. Intermediary Status: Funds in escrow do not belong to CraftFolia and cannot be withdrawn by CraftFolia for operational costs. They are legaly held for the sole benefit of the assigned project
[3.3].


2. THE REVERSAL DEADLINE (THE "POINT OF NO RETURN")

• 2.1. Finality of Approval: The moment a Publisher clicks [RELEASE FUNDS] or logs project acceptance on the system dashboard, the escrow vault automatically releases the funds to the Designer's Stripe Connect balance
[3.3, 3.4].

• 2.2. No Post-Release Refunds: Once escrow funds are disbursed to a Designer, the transaction is final and 100% non-refundable CraftFolia cannot claw back, reverse, or seize funds from a Designer's personal bank account after dashboard approval has been granted [4.3 5.1].


3. ELIGIBILITY FOR A REFUND (PRE-DISBURSAL ONLY)

A Publisher is only eligible to request a refund from the escrow vault if the project is still active and funds have not yet been disbursed [3.3]. Valid grounds for a refund dispute are strictly limited to:

• Non-Delivery: The Designer completely failed to upload deliverables or missed the contractually agreed deadline.

• Material Deviation: The delivered files explicitly breach the clear, written technical requirements defined in the initial project brief.

• Taste and Revision Disputes: General dissatisfaction with creative style, artistic choice or minor aesthetic differences do not qualify for an automatic refund [5.1].


4. MANDATORY DISPUTE & ARBITRATION PROCESS

If a project breaks down, users must follow our three-step resolution pathway. Direct chargebacks through credit card networks are a material breach of our terms [6.3].

• Step 1: Mutual Cancellation: Publishers and Designers are encouraged to settle disputes independently. If both parties agree to cancel a project via our workroom logs, the escrow system will return the funds to the Publisher (minus non-refundable payment processing fees)
[3.1].

• Step 2: Formal Dispute Filing: If mutual agreement fails, the Publisher must formally log a dispute using the platform's Contact and Refund Form before the project is automatically marked as closed [5.2]. Once logged, funds are frozen in the vault [5.2].

• Step 3: Binding Arbitration: If an irreconcilable conflict manifests, CraftFolia Management retains ultimate binding authority to conduct a review [5.3]. We will inspect all internal communication logs, project briefs, and delivery files to issue a final administrative distribution or split-refund decision [5.3]. Both parties agree to abide by this ruling as final [5.3].


5. TRANSACTION AND PROCESSING FEES

• 5.1. Fee Deductions: In the event that a full or partial refund is awarded to a Publisher by arbitration, the gross project funds will be returned via Stripe Connect [3.3].

• 5.2. Non-Refundable Surcharges: Any original credit card processing fees, transaction costs, or platform registration charges levied by payment gateways at the time of initial funding are strictly
non-refundable and will be deducted from the total refund value.