Payment & Compliance Policy

1. Payment Processor

1.1 Stripe Checkout Integration

Caspile LLC uses Stripe, Inc. ("Stripe") as our exclusive payment processing service. Stripe is a registered payment service provider that enables secure payment transactions worldwide.

Stripe's services include:

• Secure payment processing and transaction management
• PCI DSS Level 1 compliance (highest level of payment card industry certification)
• Advanced fraud detection and prevention
• Compliance with financial regulations and standards
• Secure storage and encryption of payment card data

1.2 Stripe's Role

When you make a purchase on caspile.com:

• Payment information is collected and processed directly by Stripe
• Caspile LLC does not store, process, or have access to your complete payment card details
• Stripe handles all aspects of payment authorization, settlement, and security
• Transaction data is encrypted and secured by Stripe's infrastructure
• You are redirected to Stripe's secure checkout page for payment completion

1.3 Stripe Terms and Policies

Your use of Stripe's payment services is also subject to Stripe's Terms of Service and Privacy Policy, available at:

• Stripe Terms: https://stripe.com/legal
• Stripe Privacy Policy: https://stripe.com/privacy

2. PCI DSS Compliance

2.1 PCI Compliance via Stripe

2.2 Compliance Benefits

Stripe's PCI DSS Level 1 certification means:

• All payment card data is handled in compliance with industry security standards
• Your payment information is encrypted and secured according to PCI DSS requirements
• Regular security audits and assessments are performed by certified assessors
• Compliance with international payment card security standards
• Reduced risk of data breaches and fraud

2.3 Our Security Practices

In addition to Stripe's PCI compliance, Caspile LLC implements:

• SSL/TLS encryption for all data transmission
• Secure server infrastructure with restricted access
• Regular security updates and patches
• No storage of sensitive payment card data on our servers
• Secure handling of payment metadata and transaction records

3. US Business Compliance

3.1 Business Registration

Caspile LLC operates as a digital service provider in the United States. We comply with applicable US federal and state regulations governing:

• Digital commerce and online transactions
• Consumer protection laws and regulations
• Payment processing and financial regulations
• Data protection and privacy requirements
• Electronic commerce standards

3.2 Tax Compliance

All transactions are processed in United States Dollars (USD). Applicable sales tax, value-added tax (VAT), or other taxes may apply based on your location and local tax regulations. Tax obligations and collection are the responsibility of the purchaser according to their jurisdiction's laws.

3.3 Business Information

For business verification and compliance purposes, Caspile LLC maintains:

• Accurate business records and transaction logs
• Compliance with financial reporting requirements
• Adherence to anti-money laundering (AML) regulations
• Compliance with economic sanctions and trade restrictions
• Business registration and licensing as required by law

4. Chargeback Policy

4.1 Chargeback Process

A chargeback occurs when you dispute a transaction directly with your financial institution rather than contacting Caspile LLC first. Chargebacks involve additional fees, administrative work, and may impact your account standing.

4.2 Our Response to Chargebacks

If you initiate a chargeback:

• Your account will be immediately suspended pending investigation
• All credits in your account will be frozen
• Caspile LLC will provide your financial institution with:
  • Transaction records and receipts
  • Proof of service delivery (credits issued and available)
  • Account activity logs and usage history
  • Any relevant communication records
  • Evidence of Terms of Service acceptance
• The dispute will be resolved through your financial institution's process

4.3 Chargeback Outcomes

If chargeback is found in your favor:

• Refund will be issued (minus any applicable fees)
• Your account will be permanently closed
• All credits will be forfeited
• Future account creation may be restricted

If chargeback is reversed (found in Caspile LLC's favor):

• Payment will be upheld
• Account may be reinstated after review
• Chargeback fees may be deducted from your account balance
• Account may be subject to additional security measures

4.4 Alternative to Chargebacks

We strongly encourage contacting our support team at support@caspile.com before initiating a chargeback. Caspile LLC is committed to resolving issues fairly and promptly, which is often faster and more efficient than the chargeback process.

5. Fraud Prevention

5.1 Fraud Detection Systems

Caspile LLC employs multiple layers of fraud prevention, including:

• Stripe's built-in fraud detection and machine learning algorithms
• Transaction monitoring and pattern analysis
• IP address verification and geographic checks
• Device fingerprinting and behavioral analysis
• Velocity checks (monitoring transaction frequency)
• Risk scoring and assessment

5.2 Fraudulent Activity

Activities considered fraudulent include:

• Using stolen, unauthorized, or fraudulent payment cards
• Providing false or misleading information during account creation or transactions
• Attempting to manipulate pricing, credit calculations, or payment amounts
• Creating multiple accounts to circumvent restrictions or abuse promotions
• Engaging in money laundering or financial crimes
• Using automated systems, bots, or scripts to exploit the Service
• Attempting to reverse engineer payment systems

5.3 Consequences of Fraud

If fraudulent activity is detected:

• Immediate account suspension or termination
• All credits forfeited without refund
• Transaction reported to Stripe and relevant authorities
• Legal action may be pursued where appropriate
• Blacklisting from future service use
• Reporting to credit bureaus or fraud prevention networks

6. Account Suspension Rights

6.1 Right to Suspend

Caspile LLC reserves the right to suspend or terminate accounts immediately, without prior notice, for:

• Payment Issues: Failed payments, chargebacks, payment disputes, or payment fraud
• Fraudulent Activity: Suspected or confirmed fraudulent transactions or account activity
• Terms Violations: Breach of our Terms of Service or this Compliance Policy
• Abusive Behavior: Harassment, threats, or inappropriate conduct
• Illegal Activity: Use of service for illegal purposes or in violation of laws
• Security Threats: Attempted unauthorized access, hacking, or security breaches
• Account Sharing: Unauthorized sharing of account credentials
• Prohibited Content: Generation of prohibited content types

6.2 Suspension Process

When an account is suspended:

• Access to the Service is immediately revoked
• All credits in the account are frozen
• Email notification is sent explaining the reason for suspension
• User may contact support to appeal the suspension
• Suspension may be temporary (pending investigation) or permanent

6.3 Appeals Process

If you believe your account was suspended in error:

1. Contact support at support@caspile.com
2. Provide account email and detailed reason for appeal
3. Submit any relevant evidence or documentation
4. Allow five to ten (5-10) business days for review

Caspile LLC reserves the right to deny appeals at our sole discretion.

7. Transaction Records

7.1 Record Keeping

Caspile LLC maintains detailed transaction records for:

• Financial reporting and accounting
• Tax compliance and reporting
• Dispute resolution and chargeback defense
• Fraud prevention and investigation
• Legal compliance requirements
• Audit and regulatory purposes

7.2 Record Retention

Transaction records are retained for a minimum of seven (7) years in accordance with:

• US financial regulations and tax requirements
• Payment processor agreements
• Legal and regulatory requirements
• Industry best practices

7.3 Access to Records

Users may request copies of their transaction records by contacting support@caspile.com. Requests are processed within ten (10) business days.

8. Payment Disputes and Resolution

8.1 Dispute Resolution Process

If you have concerns about a transaction:

1. Contact Support First: Email support@caspile.com with transaction details
2. Provide Information: Include transaction ID, date, amount, and description of issue
3. Investigation: We will investigate and respond within three to five (3-5) business days
4. Resolution: We will work with you to resolve the issue fairly and promptly

8.2 Escalation

If a dispute cannot be resolved through direct communication, you may:

• Request escalation to a supervisor or manager
• Pursue resolution through Stripe's dispute process (if applicable)
• Seek mediation or arbitration as outlined in our Terms of Service

9. Regulatory Compliance

9.1 Financial Regulations

Caspile LLC complies with applicable US financial regulations, including:

• Truth in Lending Act (TILA) requirements
• Electronic Fund Transfer Act (EFTA)
• Consumer Financial Protection Bureau (CFPB) regulations
• State-specific consumer protection laws
• Federal Trade Commission (FTC) guidelines

9.2 Anti-Money Laundering (AML)

Caspile LLC implements AML compliance measures, including:

• Transaction monitoring for suspicious activity
• Reporting requirements as mandated by law
• Customer due diligence procedures
• Cooperation with law enforcement when required
• Compliance with Bank Secrecy Act (BSA) requirements

9.3 Economic Sanctions

Caspile LLC complies with US economic sanctions and trade restrictions. Transactions from or to sanctioned individuals, entities, or jurisdictions are prohibited and will result in immediate account termination and transaction rejection.

10. Data Protection in Payment Processing

10.1 Secure Payment Handling

Caspile LLC ensures payment data protection through:

• Exclusive use of Stripe for payment processing (PCI DSS Level 1 certified)
• No storage of payment card numbers, CVV codes, or expiration dates
• Encrypted transmission of all payment data
• Secure handling of payment metadata (amounts, transaction IDs, status)
• Regular security audits and assessments

10.2 Payment Data Minimization

Caspile LLC only collects and stores payment-related information that is:

• Necessary for transaction processing
• Required for financial record-keeping
• Needed for customer support and dispute resolution
• Mandated by law or regulation

11. Digital Service Disclaimer

Caspile LLC provides digital AI image generation services. By purchasing credits and using our Service, you acknowledge that:

• Credits are digital, non-tangible items with no physical delivery
• Credits are consumed upon use and cannot be recovered
• Image generation results are not guaranteed to meet expectations
• Digital services are provided "as is" without warranties
• Returns and refunds are subject to our Refund Policy

12. International Payments

12.1 Currency

All transactions are processed in United States Dollars (USD). If you are paying from another country, your financial institution will convert the amount to your local currency at their exchange rate, which may include additional fees that we do not control.

12.2 International Restrictions

Due to compliance requirements, Caspile LLC may restrict or prohibit transactions from certain countries or regions. If your transaction is declined, please contact support for assistance.

13. Changes to Compliance Policy

Caspile LLC may update this Payment & Compliance Policy to reflect:

• Changes in applicable laws or regulations
• Updates to our payment processing methods
• Improvements to our compliance procedures
• Changes in Stripe's services or policies
• Business operations or service enhancements

Material changes will be communicated via email and website notice. Continued use of our Service after policy changes constitutes acceptance of the updated policy.

14. Contact Information

For questions or concerns regarding payment processing, compliance, or this policy, please contact us: