Refund & Dispute Policy

When you buy on Folium, you are purchasing directly from the individual creator whose page you bought from - not from Folium. The creator is the merchant of record for their products and is responsible for delivering what they sell and for honoring their own stated refund terms.

If something is wrong with your purchase, contact the creator first - their contact details are on the page you bought from, and your receipt email includes a way to reach them. Most issues are resolved quickest directly with the seller.

• Digital downloads and lead magnets: because they're delivered instantly, refunds are at the creator's discretion unless the file is faulty, not as described, or was never delivered.
• Services and bookings: cancellation and refund terms are set by the creator and shown before you pay.
• Duplicate or accidental charges: contact the creator, or reach us at the address below and we'll help route it.

If a creator is unresponsive or you believe a transaction was fraudulent, email support@folium.page. We can't force a refund on a creator's behalf, but we investigate reports, can remove bad-faith sellers from the platform, and will help where we reasonably can.

Card payments are processed by Stripe. If you dispute a charge with your bank, the dispute is handled under Stripe’s process and the card network’s rules. When a payment is refunded or a dispute is upheld, any related amounts - including creator and affiliate commissions - are reversed automatically. Please try to resolve issues with the creator (and us) before filing a chargeback, as it is usually faster.

Nothing in this policy limits any refund or cancellation rights you have under applicable consumer-protection law (for example, mandatory rights for digital content in your country). Those rights always apply in addition to a creator’s own policy.

Questions about this policy? Email support@folium.page.