Refund policy

MAKRI LLC d/b/a JOTMILL LLC REFUND POLICY

Effective Date: 27 June 2026

Provider: MAKRI LLC d/b/a JOTMILL LLC, a Texas limited liability company ("JotMill", "we", "us", or "our").

This Refund Policy explains how payments, subscriptions, premium features, Ad Slots, Campaigns, the Temporary Hold Account, payment processor fees, Platform Commission, cancellations, refunds, and chargebacks work on the JotMill platform and related mobile applications available at www.jotmill.com (the "Platform"). This Refund Policy is incorporated into and forms part of the JotMill Terms of Service (the "Terms") and should be read together with the Terms and the JotMill Privacy Policy. Capitalised terms not defined here have the meaning given in the Terms.

The Platform is intended solely for adults aged 18 years or older and is used by Users worldwide. By purchasing a subscription, premium feature, Ad Slot, or Campaign, or otherwise transacting on the Platform, you acknowledge that you have read, understood, and agree to this Refund Policy. If you do not agree, do not transact on the Platform.

---

In Simple Terms

This box is a plain-language summary only. It is provided for convenience and does not replace the full terms below, which control if there is any conflict.

Chargebacks are not allowed on JotMill. If you think there is a billing problem, contact us first through the "Help & Support" menu.

Any payment processor fee charged on a transaction is paid by the client (advertisers and readers/subscribers). If we do give a refund, we take that payment processor fee out of the refund — so you get the amount you paid minus the processor fee.

Our platform commission is set by JotMill in its platform Admin settings, may vary by content format, and is shown to you during billing or checkout before payment. It is taken out before any payout is made to a creator, and it is generally not refundable.

When an advertisement is finalised, the funds are held by a separate, third-party payment provider, Stripe, in a "Temporary Hold Account" — not by JotMill. Those funds are released to the creator automatically once the advertisement is added and sent out to the creator's subscribers. We do not hold the money and are not responsible for it.

Any refund we do give (where it is not required by law) is a one-off and at our discretion; it does not mean you will get one again.

To cancel or ask for a refund, use the "Help & Support" menu under your profile.

---

1. Payments, Subscriptions, and the Marketplace

1.1. The Platform processes several types of payment, including: (a) Reader and Subscriber payments for subscriptions and premium access to Creators or Content ("Subscriptions"); and (b) Advertiser payments for Ad Slots and Campaigns purchased through the marketplace described in Clause 15 of the Terms. Subscriptions are billed in advance on a recurring basis for each billing period (for example, monthly or annually), as described at the point of purchase.

1.2. By making a payment, you authorise JotMill and the third-party Payment Provider, Stripe, and its payment processors to charge the applicable fees and any taxes to your selected payment method. Payment card details are processed by Stripe and third-party payment processors and are not stored by JotMill. Stripe is an independent third party governed by its own terms of service and privacy policy. JotMill does not hold funds, as further described in Clause 3.

2. Payment Processor Fees

2.1. Any fees charged by the Payment Provider (Stripe) or other payment processors in connection with a transaction ("Payment Processor Fees") are paid by the end client — that is, by Advertisers and Readers/Subscribers — and are not borne by JotMill. Payment-processor fees are charged by Stripe and may vary depending on the type of credit card, the issuing bank, and the user's country or region.

2.2. Payment Processor Fees are determined by the Payment Provider and the relevant payment processors and are separate from the Platform Commission described in Clause 5.

3. Temporary Hold Account and Automatic Release of Funds

3.1. When an Ad Slot or Campaign is finalised, the associated funds are held by the Payment Provider, Stripe, in a "Temporary Hold Account" that is operated and controlled by the Payment Provider and does NOT belong to JotMill.

3.2. JotMill is NOT a party to the Temporary Hold Account and is NOT liable for the funds held in it, for the Payment Provider's acts or omissions, or for any delay, loss, failure, insolvency, or error of the Payment Provider. Stripe is an independent third party, and the Temporary Hold Account is governed by Stripe's own terms and policies.

3.3. Funds held in the Temporary Hold Account are released to the Creator automatically, in accordance with the Platform terms, once the advertisement has been incorporated into the relevant Content and that Content has been issued to the Creator's subscribers or audience. Release occurs automatically and does NOT depend on any manual release, approval, or instruction by JotMill, the Advertiser, or any client, and does not wait indefinitely. JotMill does not hold, control, or guarantee the funds and is not responsible for the timing or mechanics of release by the Payment Provider.

3.4. Because the funds are held and released by the Payment Provider and not by JotMill, any question, dispute, or claim regarding the held funds or their release is a matter between you and the Payment Provider under the Payment Provider's terms, and not a matter for which JotMill is responsible or liable (see Clause 39 of the Terms).

4. Refunds Are Net of Payment Processor Fees

4.1. Where a refund is granted (whether required by applicable law or provided at our discretion), the refund WILL be net of, and WILL deduct, the Payment Processor Fees borne by the client in respect of the relevant transaction. This deduction is a definitive rule of this Refund Policy and is not discretionary: the amount refunded is the amount the client paid, less the applicable Payment Processor Fees, except to the extent applicable law requires otherwise.

4.2. Refunds, where granted, are made using the original payment method where reasonably practicable (or another method at our discretion or the Payment Provider's), within a reasonable time, subject to the processing times of the Payment Provider and relevant payment processors. We do not pay interest on refunds except to the extent required by applicable law.

5. Platform Commission

5.1. JotMill charges a Platform Commission on amounts payable to Creators. The Platform Commission is as set by JotMill in its platform administration (Admin) settings, may vary by Content format, and is displayed to the user during the billing/checkout process before payment.

5.2. The Platform Commission is deducted before any amount is paid to a Creator, and is generally non-refundable, except to the extent a refund of commission is required by applicable law. The Platform Commission is separate from, and in addition to, the Payment Processor Fees described in Clause 2.

6. No Chargebacks

6.1. Chargebacks are NOT permitted on the Platform. By transacting on the Platform, you agree not to initiate a chargeback or payment dispute with your card issuer or bank in respect of any Platform transaction, and instead to raise any billing concern first through the "Help & Support" menu so we can review and, where appropriate, resolve the matter.

6.2. Initiating a chargeback or payment dispute without first attempting to resolve the matter with us, or in bad faith, may be treated as a breach of the Terms. JotMill and the Payment Provider reserve the right to dispute and respond to chargebacks and payment disputes and to recover amounts owed.

6.3. JotMill reserves the right to suspend, restrict, block, or terminate access to Subscriptions, premium features, Ad Slots, Campaigns, payouts, or the Platform in the event of any chargeback or in the event of fraudulent, abusive, or improper chargebacks or payment disputes, or other abuse of this Refund Policy, without notice and without refund, to the extent permitted by applicable law and consistent with the Terms (including Clause 11 of the Terms).

7. Refunds: General Rule and Discretionary Nature

7.1. Refunds are generally NOT provided for unused days, time, or features remaining in a billing period after cancellation, for Platform Commission, for Payment Processor Fees, or for amounts paid for estimated, non-guaranteed impressions or Campaign results. Amounts are charged for the relevant period or service and are non-refundable except as set out in this Refund Policy.

7.2. The general no-refund rule in Clause 7.1 does not apply, and a refund may be available, where: (a) a refund is required by applicable law, including the mandatory consumer-protection rights of Users located outside the United States that cannot lawfully be excluded or limited (this carve-out is jurisdiction-neutral and applies only to the extent such mandatory rights apply to you); or (b) JotMill support approves a refund in an exceptional case at its sole discretion.

7.3. Except where a refund is required by applicable law, any refund is provided at JotMill's sole discretion as a one-time accommodation. The grant of a refund in any instance: (a) does not create any entitlement, right, or expectation to a refund in any other instance; (b) does not establish a course of dealing, waiver, or precedent; and (c) does not modify this Refund Policy or the Terms. Any refund granted remains subject to the net-of-Payment-Processor-Fees rule in Clause 4 and the non-refundable Platform Commission rule in Clause 5.

7.4. JotMill reserves the right to grant, decline, or condition any discretionary refund request, and to determine the amount and method of any refund, in its sole discretion, except to the extent otherwise required by applicable law.

8. How to Cancel and Request a Refund

8.1. To cancel a Subscription or to request a refund, contact JotMill through the "Help & Support" menu located under your profile on the Platform, and follow any cancellation or refund-request steps made available there.

8.2. Cancellation of a Subscription takes effect at the end of the current paid billing period; your premium access continues until the end of that period, after which the Subscription will not renew, and you will not be charged further Subscription fees unless you choose to re-subscribe.

8.3. We may ask you to verify your identity and Account and to provide information reasonably necessary to process a cancellation or refund request.

9. Changes to this Refund Policy

9.1. We may update this Refund Policy at any time in our sole discretion. The revised version becomes effective when posted on the Platform or on the date stated in the revised version. Your continued use of the Platform, or continued or renewed Subscription, advertising, or transaction, after any change constitutes your acceptance of the revised Refund Policy. We encourage you to review this Refund Policy periodically.

10. Governing Law and Disputes

10.1. This Refund Policy is governed by and construed in accordance with the laws of the State of Texas, United States of America, without regard to its conflict-of-laws principles.

10.2. Any dispute arising out of or relating to this Refund Policy is subject to the dispute-resolution provisions of the Terms, including the exclusive jurisdiction and venue of the state and federal courts located in Texas, the class-action waiver, and the jury-trial waiver, as set out in the Terms. Nothing in this Refund Policy limits any mandatory consumer-protection rights you may have under applicable law that cannot lawfully be excluded.

11. Contact Us

11.1. If you have questions or queries regarding this Refund Policy, a cancellation, or a refund request, please contact JotMill through the "Help & Support" menu located under your profile on the Platform.