1. What this Policy covers

This Payments and Refunds Policy explains purchases of T Credits and paid advertising through Pingaling. It forms part of the Pingaling Terms of Use. If checkout or a specific booking shows additional terms, those terms apply to that purchase where they do not remove rights that the law says cannot be removed.

In this Policy, we, us, and Pingaling mean Skills Dock Pty Ltd (ABN 83 686 564 778).

Nothing in this Policy excludes mandatory consumer, cancellation, withdrawal, refund, or other rights that apply to you.

2. Prices, currency, and checkout

Prices are in US dollars (USD) unless checkout clearly says otherwise. Before you place an order, checkout will show the item or service, price, and the total payable, including any tax information required by law.

A payment is complete only when the payment is successfully authorised and we confirm the order or booking. We may use a payment provider to process payments. The provider's own terms may also apply to the payment process.

Paid advertising is a one-off booking. It is not a subscription and does not renew automatically.

3. T Credits

What T Credits are

T Credits are purchased in-app credits that can be used for Traction testing features made available in the Service. They are not money, a bank account, an investment, a deposit, or a promise of income. There is no general right to cash them out. This does not prevent a refund under section 4 or a remedy required by law.

T Credits are separate from A Credits. Buying T Credits does not create a right to receive A Credits, and the purchase rate for T Credits does not apply to A Credits.

Price and amount

The minimum T Credit purchase is US$30 for 300 T Credits. The standard purchase rate is US$1 for 10 T Credits.

Where checkout offers custom purchase amounts, the same US$30 minimum and rate of 10 T Credits per US$1 apply. This policy does not mean that custom amounts are already available. Use the purchase options shown in the released checkout.

No expiry of purchased T Credits

Purchased T Credits do not expire. This does not mean they are cash, that the Service will operate forever, or that a balance can be transferred, sold, redeemed, or withdrawn.

If you spend T Credits, the relevant feature or campaign rules apply. We will not silently treat the 30-day voluntary refund request period as an expiry date.

4. Voluntary refunds for unused purchased T Credits

You may request a voluntary refund for the unused purchased part of a T Credit purchase within 30 days after that specific purchase.

We calculate a voluntary refund from the unused purchased T Credits linked to that purchase, at the purchase rate of 10 T Credits per US$1, before any lawful fee adjustment below. It does not cover T Credits already used or earned A Credits. Each purchase has its own refund window. We do not pay a refund twice for the same credit value.

Where lawful and clearly disclosed before purchase, we may deduct only actual, attributable, non-refundable payment-provider or transaction fees from a voluntary refund. We will not deduct a fee that the provider returns, invent an administration fee, or deduct fees where a full refund is required by law. A general statement about fees does not make a deduction lawful.

The 30-day period is a voluntary refund process. It does not limit rights that may apply after 30 days because goods, services, digital content, or a payment arrangement did not meet legal requirements.

To request a refund, contact [email protected] with the account email, order or payment reference if available, purchase date, and a short description of the request. We may ask for information reasonably needed to locate the purchase and prevent fraud.

5. Consumer cancellation and withdrawal rights

Your statutory rights apply in addition to this Policy. We do not use this Policy, the Terms, or a general acceptance checkbox to take away a right to cancel, withdraw from, obtain a refund for, or seek another remedy that the law gives you.

If you are a consumer in the EU or UK, you may have a 14-day withdrawal right for some purchases. If you ask for a service to begin during that period, we will give the information and obtain the express request or acknowledgement that the law requires before relying on any effect that early performance may have on your withdrawal rights. Where the law allows it, a proportionate charge may apply for a service supplied after your express request. We will not rely on a blanket digital-content exception unless its legal conditions and required confirmations have been met.

The applicable rules can depend on what you bought, when it was supplied, where you live, and the confirmations provided at checkout. Contact us at [email protected] if you want to exercise a statutory cancellation or withdrawal right.

6. A Credits

A Credits are earned in-app promotion credits. They are not purchased money and have no value outside Pingaling. They are not redeemable for cash and do not receive cash refunds.

Any conditions about earning, using, or the availability period for A Credits will be shown in the relevant feature or program rules. A Credit conditions do not change the no-expiry position for purchased T Credits.

7. Paid advertising bookings

Pingaling may offer paid advertising placements for selected UTC dates and placements shown at checkout. The booking confirmation should identify the placement, booked date or dates, price, and other material booking details.

Advertising purchases buy the booked placement. They do not guarantee views, clicks, leads, sales, sign-ups, audience size, or any other business result. Same-day availability, if offered, may cover only the remaining part of that UTC day. The actual checkout description controls the availability offered for that booking.

Ads must comply with the Terms of Use, Community Guidelines, applicable law, and any advertising requirements presented with the booking. We may refuse, pause, remove, or restrict an ad when reasonably needed to apply those rules, protect users, address a rights or safety concern, comply with law, or protect the Service. Any payment consequences will be handled consistently with mandatory rights and the applicable booking terms.

8. Advertising cancellations and refunds

We do not offer a voluntary refund for a paid advertising booking simply because you change your mind.

If Pingaling fails to provide a booked advertising placement, we will refund the amount paid for the undelivered booking. If our fault prevents only part of the booking from running, we will refund the undelivered part on a proportionate basis. Low views, clicks, leads, or sales alone are not a failure to provide the booked placement. Mandatory rights still apply.

To request an advertising refund or report an apparent delivery issue, contact [email protected] with the booking reference, account email, booked placement and dates, and a short description of the issue. We may request information reasonably needed to investigate the booking.

If a booking is affected by a rule breach, a provider delay, service closure, or a delivery dispute, contact us so we can assess the booking and explain the outcome. The delivery refund rule above, the terms provided before purchase, and your mandatory rights still apply.

9. Account closure, suspension, and service changes

Account deletion, suspension, a ban, or a Service change does not itself remove statutory rights relating to a purchase. The treatment of unused paid balances in those situations may depend on the reason for the action, the feature involved, and applicable law.

We will not describe a purchased T Credit as expired merely because an account has changed status. If we need to make a change that materially affects a paid feature, we will provide notice where practicable and where required by law.

10. Fraud, errors, and charge disputes

Contact us promptly if you think there has been an unauthorised payment, a duplicate charge, or a checkout error. We may investigate, correct a genuine error, and take reasonable steps to prevent fraud or misuse.

You may also have rights through your payment provider, card issuer, bank, or a regulator. Please contact us first where you can, so that we can try to resolve the issue and keep an accurate record of the transaction. This does not prevent you from using a right or process available to you by law.

11. Contact us

For payment, credit, advertising, refund, copyright, safety, or legal questions, contact [email protected].

You can also write to:

Skills Dock Pty Ltd 34 Clayson Rd Salisbury East SA 5109 Australia

For privacy and data requests, contact [email protected].