Refund & Cancellation Policy

IncomeOS facilitates transactions between independent users (skill providers, asset owners, buyers, and businesses). This policy explains when and how refunds are issued.

1. Platform fee

IncomeOS charges a 2.5% platform fee on completed transactions. This fee is non-refundable once the work or booking is marked completed and verified.

2. Cancellations

• Buyer cancels >24 hours before service: Full refund minus payment processing fees.
• Buyer cancels <24 hours: 50% refund unless the provider agrees otherwise.
• Provider cancels: Full refund to buyer; provider may incur a trust-score penalty.
• No-show by either party: Investigated case-by-case.

3. Refunds for completed work

Once work is delivered or an asset has been used, refunds are not automatic. You may open a dispute within 7 days if the service materially failed to match what was agreed. Our trust & safety team will review evidence from both sides and make a binding decision.

4. Product orders

• Physical products: refundable within 14 days if unused and undamaged (return shipping at buyer cost).
• Digital products: refundable within 48 hours only if not yet downloaded or accessed.
• Custom-made items: non-refundable once production starts.

5. Referral commissions

If a transaction that generated a referral commission is later refunded, the corresponding commission is reversed from the referrer’s wallet. Withdrawn commissions may create a negative wallet balance that must be repaid.

6. Payout reversals

We may reverse payouts in cases of confirmed fraud, chargebacks, regulatory orders, or violations of the Acceptable Use Policy.

7. How to request a refund

Open the booking or order, click Report an issue, and follow the dispute flow. For account-level issues, email support@incomeos.com.