Payment Processing Policy

Effective Date: June 1, 2026

1. Overview

This Payment Processing Policy ("Payment Policy") describes how Level Up Labs (a DBA of Level Up Technology LLC) handles payment transactions made in connection with subscriptions to the Factimonious platform (the "Service"). This Payment Policy supplements the Terms of Service and Privacy Policy, each of which is incorporated by reference.

All payments for the Service are processed exclusively through Stripe, Inc. ("Stripe"), a leading third-party payment service provider. Level Up Labs does not independently process, store, or transmit payment card data.

2. Payment Processor: Stripe

Level Up Labs has engaged Stripe, Inc. as its exclusive third-party payment processor for all subscription transactions. Stripe is a PCI DSS Level 1 certified payment service provider, which represents the highest tier of compliance under the Payment Card Industry Data Security Standard.

By providing your payment information to Stripe through the Factimonious checkout or billing interface, you acknowledge that:

Your payment information is submitted directly to and processed by Stripe, not by Level Up Labs;

Stripe's handling of your payment data is governed by Stripe's Privacy Policy (available at stripe.com/privacy) and Stripe's Terms of Service (available at stripe.com/legal);

Level Up Labs does not have access to your full payment card number, CVV/CVC, or full bank account details;

Stripe's PCI DSS Level 1 certification means your payment data is protected under rigorous industry security standards.

3. What Payment Information Level Up Labs Receives

Following a successful transaction, Stripe provides Level Up Labs with limited, non-sensitive information for billing and account management purposes, including:

Last four digits of the payment card;

Card type (e.g., Visa, Mastercard);

Card expiration date;

Billing name and address;

Transaction ID and payment status;

Subscription plan and renewal date.

This information is used solely to manage your subscription, generate invoices, handle billing disputes, and comply with applicable tax and financial reporting obligations.

4. Accepted Payment Methods

The Service accepts the following payment methods, subject to availability in your region as determined by Stripe:

Major credit and debit cards (Visa, Mastercard, American Express, Discover);

ACH bank transfers (where available for eligible accounts);

Other payment methods as may be made available by Stripe from time to time.

Payment method availability may vary by country or region. Level Up Labs does not accept payment by check, wire transfer, cash, or cryptocurrency.

5. Subscription Billing

5.1 Automatic Renewal

Subscriptions to the Service are billed on a recurring basis (monthly or annually, depending on the plan selected) and automatically renew at the end of each billing period. By subscribing, you authorize Level Up Labs and Stripe to charge your designated payment method for the applicable subscription fee at each renewal.

5.2 Advance Notice of Renewal

We will provide notice of upcoming subscription renewals via email to the address on file with your account. For annual subscriptions, this notice will be sent at least fifteen (15) days prior to renewal.

5.3 Price Changes

Level Up Labs reserves the right to change subscription pricing with at least thirty (30) days' advance written notice. If you do not cancel prior to the effective date of the price change, continued use of the Service constitutes acceptance of the new pricing.

5.4 Failed Payments

If a payment fails, Stripe will attempt to retry the charge in accordance with its automated retry schedule. Level Up Labs will notify you of payment failures via email. If payment is not successfully collected within the applicable grace period, your access to the Service may be suspended until payment is resolved.

6. Cancellation and Refunds

6.1 Cancellation

You may cancel your subscription at any time through your account settings or by contacting us at the address below. Cancellation takes effect at the end of the current billing period. You will continue to have access to the Service through the end of the paid period.

6.2 Refunds

Subscription fees are generally non-refundable. Level Up Labs may, at its sole discretion, offer partial or full refunds in the following circumstances:

Service outages of significant duration attributable to Level Up Labs that materially impaired access to the Service;

Billing errors resulting in overcharges;

Where required by applicable consumer protection law in your jurisdiction.

Refund requests must be submitted within thirty (30) days of the charge. To request a refund, contact us at factimoniousprivacy@factimonious.ai.

7. Invoicing and Receipts

Stripe automatically generates and delivers payment receipts to the email address associated with your account following each successful transaction. Level Up Labs also maintains billing records accessible through your account dashboard. For enterprise billing arrangements requiring customized invoicing, please contact us.

8. Sales Tax and VAT

Subscription fees may be subject to sales tax, value added tax (VAT), goods and services tax (GST), or other applicable taxes, depending on your jurisdiction. Where required by law, applicable taxes will be calculated and collected by Stripe at checkout and reflected on your invoice. You are responsible for ensuring that your billing address information is accurate for tax calculation purposes.

If you are a business customer and are VAT-registered, you may provide your VAT identification number through your account billing settings to apply applicable VAT exemptions where permitted.

9. Payment Security

Level Up Labs takes the following measures to ensure the security of payment transactions:

All payment data is transmitted over encrypted connections (TLS 1.2 or higher);

Payment card data is processed and stored by Stripe under PCI DSS Level 1 standards;

Level Up Labs does not store full payment card numbers or CVV/CVC codes;

Access to billing information within Level Up Labs systems is restricted to authorized personnel;

Fraud monitoring and prevention tools are employed by Stripe in connection with all transactions.

In the event that Level Up Labs becomes aware of a security incident involving your billing information, we will notify you promptly in accordance with our Privacy Policy and applicable breach notification laws.

10. Disputed Charges and Chargebacks

If you believe a charge is unauthorized or incorrect, we encourage you to contact us at factimoniousprivacy@factimonious.ai so that we can resolve the issue promptly and fairly. This request to contact us first is a courtesy and does not limit, delay, or otherwise affect your right to initiate a chargeback or dispute with your card issuer or financial institution at any time under applicable card network rules or law.

We will not suspend or terminate your account solely because you exercised your right to initiate a legitimate chargeback or dispute. Level Up Labs reserves the right to suspend or terminate an account in connection with chargeback activity only where, following a good-faith investigation, the activity is determined to be fraudulent or abusive (for example, repeated chargebacks for charges the customer concedes were authorized and accurate).

11. Enterprise and Custom Billing

Enterprise Customers may request custom billing arrangements, including purchase order-based invoicing, annual prepayment, and customized payment terms. Enterprise billing arrangements are subject to a separate Order Form or Enterprise Agreement. To discuss enterprise billing options, contact us at factimoniousprivacy@factimonious.ai.

12. Changes to This Policy

We may update this Payment Policy from time to time. Material changes will be communicated via email or in-app notice at least fourteen (14) days before taking effect. Continued use of the Service after the effective date constitutes acceptance.

13. Contact

For billing inquiries, disputes, or refund requests:

Level Up Labs (a DBA of Level Up Technology LLC)

Email: factimoniousprivacy@factimonious.ai

Website: https://factimonious.ai