TRIEZZO PAYMENTS, FEES & REFUNDS POLICY

1. Introduction

This Policy governs payments, fees, subscriptions, refunds, and disputes within the Triezzo mobile app and website.

Operator

Techrealm Ltd (trade name: Triezzo)
Efesou, 9 – Paralimni, 5280, Famagusta, Cyprus
TIN / VAT: 60061983B
📧 support@triezzo.com

Triezzo acts as a platform intermediary between organizers and users, facilitating payments and payouts via Stripe Connect, and as a direct organizer in those events clearly identified as "Organized by Triezzo."

This Policy applies to all users in the European Economic Area (EEA) and other countries where the service is available.

By making a payment or using any charging or subscription feature within Triezzo, you expressly accept this Payments, Fees & Refunds Policy.

2. Payment processing

2.1. Payment providers

Triezzo uses the following payment providers depending on the purchase channel:

• Stripe Payments Europe Ltd — processes plan payments, organizer payouts, and web subscriptions. Regulated by the Central Bank of Ireland. Triezzo does not access or store card data.
• Apple (Apple IAP) — processes subscriptions purchased through the iOS app. Billing, cancellation, and refunds for Apple IAP subscriptions are governed by Apple's terms and managed through your Apple ID account.
• Google (Google Play Billing) — processes subscriptions purchased through the Android app. Billing, cancellation, and refunds for Google Play subscriptions are governed by Google's terms and managed through your Google Play account.

2.2. Types of payments

• Subscriptions: purchased through the iOS app (Apple IAP), the Android app (Google Play Billing), or the Triezzo website (Stripe) to access premium features (Connections, Plan, Full).
• Plan or event payments: made when joining a plan organized by a user, a company, or Triezzo. Processed via Stripe.
• Organizer payouts: processed automatically by Stripe Connect once the event is completed and payments are validated.

2.3. Currencies and conversion

Prices are displayed and charged in the local currency of the plan or subscription. Currency conversions are performed automatically at the applicable rate.

2.4. Security

All transactions are protected with TLS encryption and Strong Customer Authentication / 3D Secure where applicable, in line with PSD2. Apple IAP and Google Play Billing transactions are additionally governed by the respective platform's security standards.

2.5. Compliance

Payments comply with PSD2 regulations (Strong Customer Authentication where applicable). Triezzo does not store card data. In its role as a platform, Triezzo acts as a technological intermediary, except for events clearly identified as "Organized by Triezzo".

2.6. Invoicing to the buyer

Upon payment confirmation, Triezzo will issue an electronic invoice for the services provided by the platform (e.g., applicable commissions) and send it automatically to the buyer.

The invoice corresponding to the base price of the plan, when Triezzo acts as a technological intermediary and the organizer is a third party, must be requested directly from the organizer, who is the legal entity responsible for issuing it.

For subscriptions purchased through Apple IAP or Google Play Billing, the billing receipt is issued by Apple or Google respectively. Triezzo does not issue a separate invoice for the store transaction unless required by applicable law or where a separate Triezzo charge applies.

3. Fees and charges

3.1. For buyers

• 1% fee on the plan's base price.
• Users with an active Plan or Full subscription enjoy 0% buyer fee.
• Prices may include local taxes (VAT or equivalents) depending on the country.

The applicable fee is always shown before payment confirmation and may vary depending on the country, currency, payment method, or applicable taxes.

3.2. For organizers

Organizers pay two kinds of fees:

• Fixed: approx. €0.10 (automatically converted to the plan currency).
• Variable:
  • 2.10% for standard organizers.
  • 1.20% for super organizers.

Additionally, the organizer bears Stripe processing fees, which vary depending on the payment method, country, currency, and Stripe's applicable pricing. If the card is international or requires currency conversion, total fees may be higher.

The exact fees applicable to each transaction are displayed before confirmation and may vary depending on the country, currency, plan type, organizer category, or applicable taxes.

3.3. Free plans

Plans priced at €0 generate no payment processing through Stripe and no Triezzo buyer or organizer fee. In these cases, Triezzo does not issue a payment invoice for the transaction, unless required by law or specifically requested where applicable. Organizers remain responsible for assessing any tax, accounting, reporting, or regulatory obligations that may apply to their activities.

3.4. Illustrative example

• Plan base price: €50.00
• Buyer fee: 1% (€0.50)
• Organizer fee (standard): 2.10% (€1.05) + €0.10 fixed
• Total paid by buyer: €50.50 + taxes (if applicable)
• Amount before Stripe processing fees: approx. €48.85 after Triezzo organizer fees.
• Final amount received by organizer may be lower after Stripe processing fees, depending on Stripe's applicable fees for the transaction.

4. Subscriptions

4.1. Types

• Connections: advanced connection features, such as advanced filters, super likes, travel mode, invisibility, and other features designed to help you meet compatible people.
• Plan: benefits for experiences/events (e.g., 0% buyer fee).
• Full: combines all the above advantages.

4.2. Purchase channels

Subscriptions can be purchased through three channels, each with different billing, cancellation, and refund management:

• Apple App Store (Apple IAP): if you purchase a subscription through the iOS app, the transaction is processed by Apple and governed by Apple's terms. Cancellation and billing management must be done through your Apple ID account settings (Settings → [your name] → Subscriptions). Triezzo cannot directly manage cancellation or billing through your Apple ID. Refund requests for Apple IAP subscriptions must generally be submitted to Apple and are handled under Apple's policies.
• Google Play (Google Play Billing): if you purchase a subscription through the Android app, the transaction is processed by Google and governed by Google's terms. Cancellation and billing management must be done through your Google Play account (Play Store → Profile → Payments & Subscriptions). Triezzo cannot directly manage cancellation or billing through your Google Play account. Refund requests for Google Play subscriptions must generally be submitted to Google and are handled under Google's policies.
• Web (Stripe): if you purchase a subscription through triezzo.com, the transaction is processed by Stripe. You can manage, cancel, or request a refund for web subscriptions directly through your Triezzo account settings or by contacting support@triezzo.com.

4.3. Auto-renewal and cancellation

All subscriptions renew automatically at the end of each billing period until cancelled. To avoid being charged for the next period, you must cancel before the renewal date through the appropriate channel described in section 4.2.

4.4. Account deletion and active subscriptions

Deleting your Triezzo account does not automatically cancel any active subscription, regardless of the purchase channel. You must cancel all active subscriptions separately, preferably before deleting your account, to avoid future charges:

• Apple IAP subscriptions: cancel through your Apple ID account settings.
• Google Play subscriptions: cancel through your Google Play account.
• Web (Stripe) subscriptions: cancel through your Triezzo account settings or by contacting support@triezzo.com.

4.5. Pricing and currency

Prices vary by country and local currency. The exact amount is shown before payment confirmation. Prices for Apple IAP and Google Play subscriptions are set and displayed by the respective stores and may differ from web prices due to store pricing tiers and local tax treatment.

4.6. Invoicing

For web subscriptions via Stripe, an electronic invoice is automatically sent to the user by email upon each billing. For Apple IAP and Google Play subscriptions, the billing receipt is issued by Apple or Google respectively.

4.7. Subscription refunds

Under applicable EU consumer law, you may have a 14-day withdrawal right for certain digital services. Where required by law, before immediate access to a paid digital service begins, you may be asked to expressly consent to the service starting immediately and acknowledge that this may affect your withdrawal right.

Refund requests are subject to the policies of the purchase channel:

• Apple IAP: refund requests must be submitted to Apple and are handled under Apple's refund policy.
• Google Play: refund requests should generally be submitted to Google and handled in accordance with Google Play's refund process, although Triezzo support may assist where permitted by Google Play policies and applicable law.
• Web (Stripe): contact support@triezzo.com. Refunds are evaluated in accordance with applicable consumer law and Triezzo's refund conditions.

In all cases, refunds remain subject to applicable consumer law, the rules of the purchase channel, whether immediate access to the digital service has started with your consent, and whether the service has already been provided or used.

5. Refunds for plans and events

5.1. General policy

Each plan or event has its own organizer-defined refund policy, visible before payment. Buyers should review these conditions before confirming a booking.

5.2. Automatic refund cases

• Event cancelled by the organizer.
• Technical error or duplicate payment.
• Triezzo-organized event cancelled or substantially modified.

In these cases, Triezzo will process a full refund to buyers through the original payment method, subject to payment provider processing times and applicable law.

5.3. Organizer-managed cases

If the event is run by an external user/company, refunds follow that organizer's policy. Triezzo will intervene only when:

• The organizer does not respond within a reasonable time; or
• There is clear evidence of non-performance or fraud.

5.4. Timelines

• Refunds are processed through the original payment method. Timing depends on the payment provider, card network, bank, country, and payment method, and may take up to 30 days in some cases.
• If Triezzo acts as intermediary, resolution of the refund request may take up to 30 calendar days.

5.5. Fees on refunds

• Triezzo's buyer fee is returned proportionally on eligible refunds.
• Stripe processing fees may not be refundable to Triezzo or the organizer, depending on network and Stripe policies. This does not affect any mandatory refund owed to the buyer under applicable law or this Policy.

6. Organizer payouts

6.1. Payment timing

Funds are transferred after the event ends and the payment is validated, subject to Stripe's payout schedule, account verification status, risk checks, payment method, country, currency, weekends, holidays, and any applicable holds or reserves.

6.2. Connected account (Stripe Connect)

Organizers must have a verified Stripe Connect account (KYC completed). Until verification is complete, funds may be held or paid plans may be restricted.

6.3. Holds or adjustments

Triezzo may temporarily hold payments in the event of:

• An active dispute or claim;
• Suspected fraud or non-compliance;
• A request from a competent authority.

6.4. Invoicing to organizers

Triezzo issues a consolidated monthly invoice to organizers for the commissions applied to the plans completed during the settlement period.

Triezzo may collect, verify, retain, and report information where required under DAC7, VAT, accounting, payment, or other applicable tax rules. Organizers are responsible for declaring their income and complying with their local tax obligations, including VAT, income tax, and any other applicable reporting requirements.

7. Cancellations and changes

7.1. Organizer cancellation

The organizer may cancel a plan before it starts. In that case:

• Buyers are notified automatically; and
• A full refund is processed for buyers through the original payment method, subject to payment provider processing times and applicable law.

7.2. User cancellation

If the user cancels within the plan's stated window, they receive the corresponding refund. Outside that window, refunds depend solely on the organizer's policy.

7.3. Event changes

Material changes (date, venue, or essential content) are treated as partial cancellations; users may request a refund if they do not accept the modification.

8. Disputes, claims & chargebacks

8.1. Dispute notice and timelines

• When a payment dispute or chargeback is received, Triezzo immediately notifies the organizer (in-app and by email).
• The organizer has a limited window to upload supporting evidence. Triezzo may compile and submit a defense on behalf of the organizer within the applicable card-network deadlines, where a defense is appropriate, using all material available up to that point.
• Evidence submitted after Triezzo's internal deadline may not be included in the defense submission.

8.2. Organizer evidence submission

Organizers can upload images, receipts, and explanatory notes from the app. They must ensure accuracy and avoid including unnecessary third-party personal data.

8.3. Resolution

Payment networks and/or the cardholder's issuing bank decide the outcome. Stripe acts as payment processor and dispute channel. Triezzo notifies status updates as they become available.

8.4. Holds and financial effects

During a dispute, Stripe and/or Triezzo may hold funds. If the chargeback is lost, networks may debit fees and the original amount; such amounts may be charged to the organizer (except for events organized by Triezzo).

8.5. Duty to cooperate

Organizers must review dispute notifications promptly and provide evidence within the requested or applicable timeframe.

8.6. Events organized by Triezzo

Where the event is labeled "Organized by Triezzo," Techrealm Ltd assumes the defense and related responsibilities.

8.7. Claims & support

Submit any claim to support@triezzo.com including:

• Plan or event code;
• Payment date;
• Reason for the claim.

Triezzo will respond within 30 calendar days.

9. Liability

• Triezzo acts as a technological intermediary for payments and is not responsible for the execution of third-party events.
• For events organized directly by Triezzo, Techrealm Ltd assumes full responsibility.
• Triezzo is not liable for:
  • Damages arising from interactions between users;
  • Failures or delays attributable to external payment gateways, including Apple IAP, Google Play Billing, or Stripe.

Nothing in this Policy limits non-waivable consumer rights under applicable law.

10. Tax

Displayed prices include applicable indirect taxes (VAT or equivalents) based on the buyer's or organizer's country.

Triezzo may act as collection agent where required by law. Organizers are responsible for declaring income and complying with local tax obligations, including VAT, income tax, and any reporting obligations under DAC7 or equivalent regulations.

11. Changes to this Policy

Triezzo may modify this Payments Policy where legal, technical, or operational reasons justify it. Where changes materially affect economic rights (e.g., fees or refunds), Triezzo will notify users at least 7 calendar days in advance.

The current version is always available at triezzo.com/en/legal/payments-policy.

12. Contact

For questions or issues about payments or refunds:
📧 support@triezzo.com
Subject: Payments / Refunds
You can also contact us via the Help section in the app; a ticket will be linked to your account.

In short

• Payments are processed securely via Stripe, Apple IAP, or Google Play Billing depending on the purchase channel.
• Fees are transparent and shown before confirmation.
• Refunds for plans follow the organizer's policy or automatic cancellation conditions. Subscription refunds depend on the purchase channel.
• Triezzo aims to provide a fair, secure, and EU-compliant process.

💜 Thank you for using Triezzo. Every secure transaction helps build a more trustworthy, human community.

Version 1.6 — June 2026