Payment Terms Policy

1. Overview

Spencer's Website offers paid subscriptions and premium features. This policy explains our payment processing terms, accepted payment methods, and your rights regarding financial transactions.

2. Accepted Payment Methods

2.1 Supported Methods

We accept the following payment methods through Stripe:

• Credit cards: Visa, Mastercard, American Express, Discover
• Debit cards: Visa, Mastercard
• Digital wallets: Apple Pay, Google Pay

2.2 Payment Processor

All payments are processed securely through Stripe. We do not store your full credit card number on our servers. Payment card data is handled directly by Stripe in compliance with PCI-DSS standards.

2.3 Payment Security

• SSL/TLS encryption for all payment data
• PCI-DSS compliant processing
• No card data stored on our servers
• 3D Secure authentication for eligible transactions

3. Pricing and Currency

3.1 Currency

All prices are displayed and processed in United States Dollars (USD).

3.2 Pricing Display

• Prices are displayed before tax (if applicable)
• Taxes will be calculated at checkout based on your location
• Total price will be shown before payment confirmation

3.3 Price Changes

We reserve the right to change pricing at any time with 30 days' notice. Price changes will not affect existing subscriptions until renewal.

4. Subscription Terms

4.1 Subscription Types

We offer various subscription tiers with different features and pricing. Current plans are displayed on our pricing page.

4.2 Billing Cycle

• Monthly subscriptions: Billed monthly on the same date each month
• Annual subscriptions: Billed annually on the anniversary date
• One-time purchases: Billed once at time of purchase

4.3 Automatic Renewal

Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date.

4.4 Cancellation

• You may cancel your subscription at any time through your account settings
• Cancellation takes effect at the end of the current billing period
• You will retain access until the end of the paid period
• No refunds for partial months (see our Refund Policy)

4.5 Plan Changes

• Upgrades take effect immediately with prorated billing
• Downgrades take effect at the next billing cycle
• Switching between monthly and annual billing takes effect at next renewal

5. Billing and Invoicing

5.1 Receipts

A receipt is automatically sent to your email address after each successful payment.

5.2 Invoice History

You can view your payment history and download receipts from your account settings under "Billing."

5.3 Payment Failure

If a payment fails:

• We will attempt to retry payment up to 3 times over 7 days
• You will receive email notifications of failed payments
• Account may be downgraded to free tier after failed payments
• You can update payment information in account settings

5.4 Payment Information Updates

You can update your payment method at any time through your account settings.

6. Chargebacks and Disputes

6.1 Chargebacks

A chargeback is when you dispute a charge with your bank or card issuer. Before initiating a chargeback, please contact us first to resolve the issue.

6.2 Consequences of Chargebacks

If you file a chargeback without contacting us first:

• Your account may be suspended immediately
• You will lose access to paid features
• We may dispute the chargeback with evidence of service delivery
• Repeated chargebacks may result in permanent account termination

6.3 Dispute Resolution

If you have an issue with a charge:

1. Contact us at support@thespencerwebsite.com
2. Subject line: "Payment Dispute"
3. Include your transaction ID and the reason for the dispute
4. We will respond within 5 business days

7. Taxes

7.1 Sales Tax

Sales tax may be applied based on your location. Applicable taxes will be calculated and displayed at checkout.

7.2 VAT

For EU customers, VAT may be applied according to local regulations.

7.3 Tax Exemption

If you are tax-exempt, please contact us with your tax exemption documentation before making a purchase.

8. Contact

For payment-related questions or disputes, contact us:

Email: support@thespencerwebsite.com

Subject line: "Payment Inquiry"