Payment and Refund Policy

Last updated: October 2, 2026.

Scope of the Policy and the Products or Services It Covers

This Payment and Refund Policy applies to all purchases made through the website operated by spotfamevo.org. It covers services related to Life Through Stories Everyday Experiences and Human Stories, including but not limited to digital storytelling packages, personalized narrative workshops, audio and video story compilations, and guided experience sessions focused on everyday human stories. The policy governs transactions for both one-time services and recurring subscriptions where applicable. It does not extend to third-party products or services linked from the site.

Prices, Currencies, Taxes, and Any Additional Charges

All prices are displayed in Canadian dollars (CAD) and include applicable taxes such as the Goods and Services Tax (GST) or Harmonized Sales Tax (HST) based on the purchaser's location in Canada. Provincial sales taxes may apply in certain jurisdictions. Additional charges, if any, such as processing fees for specific payment methods or shipping costs for physical story kits, will be clearly disclosed before checkout. Prices are subject to change without prior notice, but confirmed orders will be honored at the quoted rate.

Accepted Payment Methods, Payment Authorisation, and Payment Security

We accept major credit cards including Visa, Mastercard, and American Express, as well as Interac e-Transfer and other secure Canadian payment gateways. Payment authorization occurs at the time of order placement. All transactions are processed through encrypted, PCI-compliant systems to ensure security. spotfamevo.org does not store full credit card details on its servers. In the event of a declined payment, the order will not be processed until valid authorization is obtained.

Order, Booking, or Service Confirmation and When a Contract Is Formed

Upon successful payment, customers receive an order confirmation via the provided contact details. A binding contract forms when the confirmation is issued, detailing the specific storytelling service or experience package. Customers should review all details at this stage. Services commence only after confirmation and any required scheduling.

Cancellation Rights and Applicable Cancellation Periods

Under Canadian consumer protection laws, customers in most provinces have a cooling-off period, typically 7 to 10 days depending on the jurisdiction, for certain distance contracts. Cancellations must be requested within this period for full eligibility. Services that have already begun or been delivered are generally not eligible for cancellation. Subscriptions may be cancelled at any time with notice, but pro-rated refunds depend on usage.

Refund Eligibility, Exclusions, and Non-Refundable Items or Services

Refunds are available for unused services where cancellation occurs before delivery. Exclusions include completed digital downloads, customized story packages already produced, and promotional or discounted offers. Non-refundable items encompass any materials or experiences marked as final sale. Eligibility is assessed case-by-case in line with provincial laws that cannot be overridden by this policy.

The Step-by-Step Procedure and Information Required to Request a Refund

To request a refund, contact spotfamevo.org using the details on the Contacts page or by calling 1-877-777-3246. Provide your order number, full name, address as 1616 West 3rd Avenue, Vancouver, BC V6J 1K2, Canada, date of purchase, and a clear reason for the request. Requests must be submitted in writing through the contact form. Incomplete information may delay processing.

Inspection, Approval, Rejection, and Notification of the Refund Decision

Upon receipt, requests are reviewed within 10 business days. Approval or rejection is based on policy terms and applicable law. Customers are notified of the decision through their provided contact method. If rejected, an explanation citing relevant sections is provided, along with options for appeal or escalation to consumer protection authorities.

Refund Method, Processing Time, and When Funds Should Reach the Customer

Approved refunds are issued to the original payment method. Processing takes 5 to 15 business days after approval, with funds typically appearing in 3 to 10 additional days depending on the financial institution. For credit cards, the reversal appears on the next statement. No cash refunds are provided.

Special Rules for Digital Content, Subscriptions, Services, or Promotional Offers Where Relevant

Digital storytelling content is non-refundable once downloaded or accessed. Subscriptions renew automatically unless cancelled before the next billing cycle. Promotional offers are final and ineligible for refunds. Service cancellations after partial delivery result in charges for work completed.

Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud

Failed payments must be resolved within 7 days to avoid order cancellation. Duplicate charges are investigated and refunded if verified. Chargebacks are treated as cancellations and may lead to service suspension. Suspected fraud results in immediate order hold and reporting to authorities, with no refunds issued until resolution.

Mandatory Consumer Rights in the Target Country That the Policy Cannot Exclude

This policy respects all mandatory rights under Canadian federal and provincial laws, including the Competition Act and provincial consumer protection statutes. These rights, such as the right to accurate information and remedies for unfair practices, cannot be limited or excluded. Customers retain full access to these protections regardless of policy terms.

Contact Route, Policy Changes, and Last-Updated Date

For inquiries, use the contact form on the Contacts page or call 1-877-777-3246 at the address 1616 West 3rd Avenue, Vancouver, BC V6J 1K2, Canada. spotfamevo.org | 1616 West 3rd Avenue, Vancouver, BC V6J 1K2, Canada | 1-877-777-3246 This policy may be updated periodically to reflect legal changes; the latest version is always posted here with the effective date. Continued use of the site after updates constitutes acceptance.