Terms of Pay

Every purchase on Urnovl is a contract between you and:

Anadyme Limited
Registered office: Pinelopis 5, Vera Court, Flat 401, 3101 Limassol, Cyprus
Registrar of Companies No.: HE 380526
EU company ID (EUID): CYDRCOR.HE380526
Email: support@urnovl.co

This is also true when you subscribe to a page, send a Bravo to an author, or buy from a page store. The page or author creates the offer and delivers the benefits or products. We take your payment, issue your receipt, and are responsible to you as the seller.

These Terms of Pay are part of our Terms of Service. The Privacy Policy explains how we handle your payment data.

You must have an Urnovl account and be at least 18 years old. You can buy on the website, in the desktop app and in the Android app. Purchases are not available in the iOS app.

Prices are shown in euro (EUR), unless another currency is shown at checkout. Every price includes VAT.

EU law requires us to charge the VAT of the country where you live. We work this out from your billing address and the country of your card. So the VAT part of a price can differ from country to country, but the price you see at checkout is the price you pay. For buyers outside the EU, VAT is not charged where the law allows it.

For physical products, shipping costs are shown at checkout before you pay. If you order from outside the EU, you may have to pay customs duties or import taxes on delivery. These are not included in our price.

After each payment, we email you a receipt. You can also see your payments and download receipts in the Transactions tab of your profile.

If a price is clearly wrong because of an obvious error, we may cancel the order and refund you in full.

Payments are processed by our payment provider, Stripe. You can pay by card, and by any other method Stripe offers at checkout. We never see your full card details.

By paying, you confirm that you are allowed to use the payment method. For subscriptions, you allow us to charge it automatically at each renewal until you cancel.

If a payment fails, we or Stripe may try again. If a subscription payment is not settled, the subscription ends.

Urnovl Premium is our own subscription. It gives you the benefits listed on the Premium page when you subscribe. Some benefits may work only on some devices; this is shown on the Premium page.

Plans. You can choose a monthly or a yearly plan. The price is shown before you pay.

Renewal. Premium renews automatically at the end of each period, at the price in force at that time, until you cancel.

Price changes. If we raise the price, we tell you at least 30 days before your next renewal. You can cancel before the new price applies.

Cancelling. You can cancel at any time in the Transactions tab of your profile. Premium stays active until the end of the period you paid for, and does not renew. You can undo the cancellation before that date.

Pages can offer monthly subscription tiers. Each tier has a name, a monthly price (between €1 and €500) and a list of benefits, all set by the page. Benefits usually include access to subscriber-only chapters, stories, inks, posts or store products.

Renewal. Page subscriptions renew every month until you cancel.

Cancelling. In the Transactions tab of your profile you can:

• Cancel: the subscription ends at the end of the month you paid for. You keep access until then.
• Cancel now: the subscription and your access end at once. The rest of the month is not refunded, except as required by section 10.

If the page changes things. A page cannot change the price of a tier that has subscribers. If a page removes a tier or ends your subscription, you keep access until the end of the period you paid for, and you are not charged again.

Shipping address. Some tiers include physical items and ask for your shipping address. The page uses it only to send you those items.

Where the money goes. Part of what you pay goes to the page and to the authors whose stories you read on that page.

A Bravo is a voluntary tip to an author or a page, to thank them for their work. You can send one while reading, or from a profile or page.

• You choose an amount from €2 to €500.
• You can add a message of up to 400 characters. A Bravo sent from a chapter appears as a public comment on that chapter, with the amount.
• You can send it anonymously. The author then does not see your name.

A Bravo is a gift. You do not receive goods, services or content in return. It is not a purchase, so there is no right of withdrawal. If you sent a Bravo by mistake, write to us within 14 days and we will look at it.

The author or page receives the Bravo minus fees, as set out in the Partnership Program.

Pages can sell products in their store:

• physical products, such as printed books and merchandise, which the page ships to you;
• digital products, such as courses and downloadable files, which you get right after payment.

The page writes the product description, sets the price and ships the product. Each product page shows the price, the shipping cost for your country, and any limits.

Orders. The minimum order is €2. Some products are for subscribers of the page only, can be bought a limited number of times, or let you choose your own price above a minimum. A page may ship only to some countries, and may need your phone number for the courier.

Discounts. You can use one discount code per order. If you also get a subscriber discount, only the larger discount applies. Discounts do not apply to shipping.

Delivery. Your contract is formed when your payment is accepted. The page ships physical products and adds a tracking number to your order. You can follow the order in Orders, and confirm when it arrives. Physical products should arrive within 30 days, unless the product page says otherwise. If they do not, contact us: you can cancel and get a full refund. Digital products are available as soon as your payment is accepted.

The page sees your name, email, phone and shipping address, and uses them only to deliver your order.

If you are a consumer in the EU, you can usually withdraw from a purchase within 14 days, without giving a reason.

You have 14 days from the day you (or someone you choose) receive the product. The simplest way to withdraw is the “Withdraw from this purchase here” button on your order, under My purchases. You confirm it in a second step, and we email you an acknowledgement with what you stated and when. You can also send us a clear statement by email to support@urnovl.co before the 14 days end. You can use the model form below, but you do not have to.

Send the product back without undue delay, and no later than 14 days after you told us. We will tell you the return address. You pay the direct cost of returning it. You are responsible only for any loss in value caused by handling the product more than needed to check it.

We refund all payments, including the standard delivery cost, within 14 days of receiving your statement, with the same payment method. We may wait until we receive the product back, or until you show that you sent it.

You cannot withdraw from products made to your personal specification, or from sealed items (such as audio recordings or software) that you unsealed after delivery.

You can withdraw within 14 days of the purchase, even after downloading. The simplest way is the “Withdraw from this purchase here” button on your order, under My purchases. We refund what you paid within 14 days of receiving your statement.

If, when you bought it, you ticked the box asking for immediate access, your right to withdraw ended with your first download.

You can withdraw within 14 days of subscribing, and we refund what you paid in full. If, when you subscribed, you ticked the box asking us to start straight away, we refund what you paid minus a fair amount for the days you already had access.

The simplest way to withdraw is the “Withdraw from this subscription here” button under My subscriptions. You confirm it in a second step, and we email you an acknowledgement with what you stated and when. You can also email us, or use the model form below.

To Anadyme Limited, support@urnovl.co:
I hereby give notice that I withdraw from my contract for the following product or service: [name]
Ordered on / received on: [date]
Order number: [number]
Name and Urnovl account email: [name, email]
Date: [date]

Everything we sell must match its description and work as expected. For physical products, the legal guarantee lasts 2 years from delivery. For digital content and subscriptions, it lasts for as long as you have access.

If something is faulty, missing or not as described, write to support@urnovl.co with your order details. We will, with the page, repair or replace it, or give you a price reduction or a full refund, as the law provides.

If we must remove content you paid for because of a legal claim (for example a copyright claim), we refund you in proportion to what you can no longer use, where the law requires it. If you bought a downloadable file, keep a copy on your device.

Refunds are paid to the payment method you used. These rules add to your legal rights; they never reduce them.

If there is a problem with a payment, please contact us first. We usually solve it faster than a bank dispute. If you open a chargeback for a payment that was valid, we may pause your ability to buy on Urnovl while it is resolved.

Quills (our former virtual currency), story purchases with Quills and payments through PayPal are no longer offered. If you still have questions about a past purchase or an unused Quills balance, write to support@urnovl.co.

Our liability, changes to these terms, and the law and courts that apply, are set out in sections 13, 14 and 16 of the Terms of Service. They also apply to these Terms of Pay. Price changes for existing subscriptions follow section 5. Changes to these Terms of Pay never apply to a purchase already made.

Questions? See the FAQs or write to support@urnovl.co.