Store, Payments, and Licensing Framework

1. Purpose & Scope

1.1 Purpose

This document governs all e-commerce operations for the Elevate For Humanity Store, including product listings, payment processing, digital licensing, and customer policies. It ensures consistent, compliant, and customer-friendly commerce operations.

1.2 Scope

• Digital product sales (templates, guides, tools)
• Course purchases (individual and bundled)
• Subscription services
• Third-party creator marketplace
• Payment processing and financial operations

2. Product Types & Catalog

2.1 Product Categories

2.2 Product Listing Requirements

• Title: Clear, descriptive, accurate
• Description: What's included, who it's for, how to use
• Preview: Screenshots, sample pages, or demo where applicable
• File Format: Clearly stated (PDF, XLSX, etc.)
• System Requirements: Software needed to use product
• License Type: Personal, commercial, or extended

3. Payment Processing

3.1 Payment Provider

All payments processed through Stripe, a PCI DSS Level 1 certified payment processor. Elevate For Humanity does not store credit card numbers directly.

3.2 Accepted Payment Methods

• Credit/Debit Cards (Visa, Mastercard, American Express, Discover)
• Digital Wallets (Apple Pay, Google Pay)
• Bank transfers (ACH) for subscriptions
• Buy Now, Pay Later (Affirm, Klarna) for orders over $50

3.3 Currency & Taxes

• Currency: USD (United States Dollars)
• Sales Tax: Calculated and collected based on customer location
• Tax Remittance: Automated via Stripe Tax
• Invoices: Provided for all purchases via email

3.4 Security Measures

• TLS 1.3 encryption for all transactions
• 3D Secure authentication for high-risk transactions
• Fraud detection via Stripe Radar
• No storage of full card numbers on our servers

4. Digital Licensing

4.1 License Types

4.2 License Terms

• License granted upon successful payment
• License is perpetual unless otherwise stated
• Updates included for 12 months (where applicable)
• License is non-transferable without written consent

4.3 Prohibited Uses (All Licenses)

• Reselling or redistributing the original product
• Sharing download links or account access
• Removing copyright notices or attribution
• Using in illegal, defamatory, or harmful contexts

5. Pricing & Promotions

5.1 Pricing Guidelines

• Prices displayed in USD, inclusive of base price
• Sales tax added at checkout based on location
• Price changes do not affect existing purchases
• Subscription price changes require 30-day notice

5.2 Promotional Policies

• Discount Codes: Single use unless specified, cannot be combined
• Sales: Clearly marked start/end dates, original price shown
• Bundles: Discount reflected in bundle price vs. individual items
• Scholarships: Available for qualifying individuals via Rise Foundation

5.3 Subscription Billing

• Billed on same day each month/year
• Failed payment: 3 retry attempts over 7 days
• Access suspended after failed retries
• Cancel anytime, access continues until period end

6. Refunds & Disputes

6.1 Refund Policy by Product Type

6.2 Refund Process

1. Request via our contact form within policy window
2. Include order number and reason for refund
3. Review completed within 3 business days
4. Approved refunds processed within 5-10 business days
5. Refund issued to original payment method

6.3 Exceptions

• Technical issues preventing product use (full refund)
• Product significantly different from description (full refund)
• Duplicate purchases (full refund)

6.4 Chargebacks

Customers should contact us before initiating chargebacks. Fraudulent chargebacks may result in account suspension and collection action.

7. Seller/Creator Policies

7.1 Creator Requirements

• Verified identity and tax information (W-9 for US creators)
• Agreement to Creator Terms of Service
• Original content or proper licensing for all materials
• Compliance with platform content guidelines

7.2 Revenue Share

7.3 Payouts

• Monthly payouts via Stripe Connect
• Minimum payout threshold: $50
• Payout methods: Bank transfer, debit card
• Refunds deducted from creator balance

7.4 Content Guidelines

• No plagiarized or copyright-infringing content
• No misleading claims or false advertising
• No illegal, harmful, or discriminatory content
• Products must deliver stated value

8. Roles & Responsibilities

9. Versioning & Review

Review Schedule: Annually, or upon significant changes to payment processing, tax requirements, or product offerings.