Short, because the arrangement is simple: one setup fee, one monthly fee, a three-month first term, then month to month. This page says what happens to your money in each situation. It matches the Services Agreement you sign; if the two ever differ, the signed agreement governs.
Before your card is live
The setup fee ($99) pays for work that starts the day you hand over your logo, colours and reward. If your card is not live in your customers' wallets within 14 days of our receiving those, for any reason on our side, the setup fee is refunded in full and you owe nothing. If the delay is on your side — assets not yet sent, a decision not yet made — the clock has not started and nothing has been charged for the running of the programme.
If you change your mind before we have started the work, tell us and the setup fee is refunded in full.
Once your card is live
- The setup fee is not refundable once the card is live. The work it paid for has been done and delivered.
- Monthly fees are billed in advance for the month ahead and are not refundable once that month has begun — with two exceptions below.
- The first term is three months. You can cancel at any time after that with thirty days' written notice; the programme runs, and you are charged, to the end of the month in which the notice period ends, and not beyond.
The two exceptions
- If we end the agreement other than for your breach, or if we materially fail to provide the service for more than five consecutive days in a month, that month's fee is refunded in proportion to the days affected.
- If we raise our prices and you choose to leave rather than accept the change, you leave without penalty at the end of your current paid month.
Free arrangements
Pilots, founding-client offers and gifted wallet business cards carry no fee, so there is nothing to refund. What is free, and for how long, is written into your agreement.
What you keep when you go
Whatever the reason you leave, within ten business days and at no charge you get your complete customer list as a CSV file and the final artwork of your card. They are yours. Cards already in customers' wallets keep working until the date we give you, so you can tell your customers.
How to cancel or ask for a refund
Email abid@keporia.ca from the address on your agreement, or write to us. Say which it is — a cancellation, a refund request, or both — and the date you want it to take effect. You will have a reply within one business day and, for a refund, the money back by the same method you paid within ten business days.
Disputes
If you think a charge is wrong, tell us before you dispute it with your bank; almost everything is quicker to fix in a phone call. If we cannot agree, the agreement's governing law is that of Newfoundland and Labrador.