SkillSeal Refund / Credit Policy

For clients, this Refund / Credit Policy is incorporated into the Terms of Service by reference. A client who accepts the Terms of Service or otherwise purchases or uses a SkillSeal session is also agreeing that this Refund / Credit Policy governs eligible purchases, session disputes, Credits, and related platform decisions, to the extent applicable.

Session-specific notices, checkout confirmations, or support communications may restate parts of this Policy, but they do not limit the application of this Policy where it has been incorporated into the client’s agreement through the Terms of Service.

SkillSeal operates an instant-session model in which clients connect with an available expert immediately after payment, subject to platform availability and session rules. Because sessions are initiated instantly and involve immediate platform access, expert allocation, and session availability, SkillSeal does not provide cash refunds for session payments, Credits, or promotional balances, except where required by applicable law.

Session payments made by clients are received and held by or for SkillSeal through a platform-controlled payment / escrow flow pending session completion and any applicable review for Credits, disputes, reversals, fraud checks, or related payment issues.

Because client funds are held within the platform payment flow before expert payout, SkillSeal may review the session and determine whether a Credit should be issued before final expert payout treatment is completed.

SkillSeal may issue a Credit equal to the amount paid for the affected session in circumstances such as expert absence, early expert exit, failed connection, or where SkillSeal determines after review that the session did not meet the applicable delivery standard.

The default remedy under this Policy is a Credit, not a cash refund, unless applicable law requires otherwise.

When reviewing whether a Credit is appropriate, SkillSeal may consider the session recording, session duration and platform logs, the issue or goal selected by the client before the session, whether the client selected a common issue or provided a clear “Other” description, whether the issue or goal was reasonably compatible with the purchased session duration, whether the client entered the session with adequate technical readiness, including sound and internet connection, whether the expert made a reasonable effort within the purchased session scope, and whether either party violated SkillSeal’s Terms, Session Guidelines, or other platform rules.

SkillSeal sessions currently support voice communication and screen sharing only. Camera or video participation is not part of the standard SkillSeal session format unless SkillSeal expressly introduces that feature in the future.

Expert payouts are processed on a weekly basis from eligible net earnings after deduction of platform fees, applicable tax deductions or withholdings, and payment processing fees.

For clarity, total platform fees and deductions applicable to expert payouts may generally account for approximately 18% to 25% of the session price, depending on commission, tax treatment, and payment processing costs.

SkillSeal may delay, withhold, offset, or adjust payouts where reasonably necessary in connection with Credits, disputes, reversals, chargebacks, fraud review, compliance review, or suspected breach of platform rules.

Where SkillSeal approves relief under this Policy, the default remedy is a Credit, not a cash refund. Approved platform Credits expire 6 months from the date of issue unless otherwise stated by SkillSeal. Credits are not redeemable for cash, not withdrawable, and not transferable unless SkillSeal expressly allows otherwise.

Promotional Credits, sign-up Credits, referral Credits, bonus Credits, and other free balances may be subject to separate restrictions, expiry periods, and campaign rules. Unless SkillSeal explicitly states otherwise, promotional Credits are not refundable, not exchangeable for cash, and not transferable.

If a client initiates a chargeback or payment dispute without first raising the issue through SkillSeal, SkillSeal reserves the right to investigate the matter using session records and platform evidence, dispute the chargeback where appropriate, suspend or restrict the account during the investigation, and revoke Credits or benefits where abuse is suspected.