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Legal document

Payment Terms

Rules for purchasing credits, billing, and the refund policy on the Droplio.io platform.

Last updated: 22 March 2026

§1. General provisions

  1. This document sets out the payment terms for services provided by Windify Digital Services, with its registered office at ul. Płocka 127/16, 87-800 Włocławek, NIP: 8943145650, REGON: 384382857 (hereinafter: "Service Provider"), through the droplio.io platform (hereinafter: "Platform").
  2. The Payment Terms form an integral part of the Terms of Service and apply to all Users making Credit purchases. Capitalised terms not defined in this document have the meaning given to them in the Terms of Service.
  3. Making a payment constitutes full acceptance of these Payment Terms.

§2. Credits system

  1. The Platform operates on a system of prepaid Credits. Credits are an internal unit of account, have no monetary value outside the Platform, and do not constitute electronic money within the meaning of the EU Payment Services Directive (2015/2366) or applicable national payment services legislation.
  2. The costs of individual Platform operations (expressed in Credits) are displayed in the Platform interface before placing an order. The Service Provider reserves the right to change operation costs at any time without prior notice to Users. Changes to operation costs may affect the number of operations that can be performed with existing Credits.
  3. Credits are automatically deducted from the User's balance at the time of placing an order. If the balance is insufficient, the operation will not be performed. Credit deductions are irreversible — once an operation has started, Credits are not refunded to the balance regardless of the operation's outcome.
  4. Credits do not expire and remain in the User's Account until they are used or the Account is deleted.
  5. Credits may not be exchanged for cash, transferred to another User, moved between Accounts, or resold.

§3. Credit packages and prices

  1. Credits are available in packages, the current offer for which (names, number of Credits, prices) is displayed on the credits purchase page on the Platform. The credits purchase page is the sole binding source of information on current prices and package contents.
  2. All prices are stated in euros (EUR) as net amounts. VAT or applicable sales tax is added at checkout where required by law, based on the User's location.
  3. The Service Provider reserves the right to change package prices, their contents (number of Credits), names, structure, and the number of available packages at any time without prior notice to Users. Price changes do not affect Credits already purchased by the User — their quantity remains unchanged.
  4. The Service Provider may introduce promotions, discount codes, or special offers. Promotion terms are specified separately and are valid for the duration of the promotion. Promotions may not be combined unless the promotion terms expressly state otherwise.

§4. Payment operator

  1. Payments on the Platform are processed by Stripe, Inc. (354 Oyster Point Blvd, South San Francisco, CA 94080, USA) — a certified online payment operator holding a PCI DSS Level 1 certification.
  2. The Service Provider does not store, process, or have access to payment card data of Users. All payment data is processed directly and solely by Stripe.
  3. Accepted payment methods include payment cards (Visa, Mastercard, American Express) and other local payment methods available in the User's region through Stripe (which may include bank transfers and other methods — subject to availability).
  4. A User making a payment also accepts the Stripe Terms of Service to the extent applicable to the processing of transactions in the User's region. The Service Provider is not responsible for the operation of the Stripe system or for any limitations or errors on the part of the payment operator.

§5. Payment processing

  1. After selecting a Credit package, the User is redirected to Stripe's secure payment form.
  2. Before making a payment, the User is informed of:
    • the price of the selected Credit package (net amount + VAT, in EUR);
    • the fact that Credits will be delivered immediately upon payment confirmation;
    • the fact that by consenting to the immediate delivery of digital content, the Consumer loses the right to withdraw from the contract pursuant to Article 16(m) of the EU Consumer Rights Directive (2011/83/EU), as implemented in Poland by Art. 38(13) of the Consumer Rights Act;
    • the fact that purchased Credits are non-refundable.
  3. Credits will be credited to the User's Account immediately upon payment confirmation by the Stripe operator. The moment Credits are credited constitutes the moment of performance by the Service Provider (delivery of digital content).
  4. In the event of a failed transaction (card declined, technical error, insufficient funds), Credits will not be credited. The User may retry the payment.
  5. The Service Provider is not liable for delays in payment processing arising from the actions of the payment operator, the User's bank, or technical issues on the part of third parties.

§6. Invoices and confirmations

  1. After each successful transaction, the User receives a purchase confirmation electronically to the email address associated with the Account. The confirmation includes: transaction date, package name, number of Credits, and payment amount.
  2. A User conducting business activity may request a VAT invoice by emailing: office@droplio.io, providing their VAT number and invoicing details. The invoice will be issued within 15 days of the request, no later than by the 15th day of the month following the month in which the transaction was made.

§7. Refund policy — no right of withdrawal

Credits constitute digital content not supplied on a tangible medium. By making a purchase, the Consumer consents to the immediate delivery of the digital content and acknowledges the loss of the right to withdraw from the contract (Article 16(m) of the EU Consumer Rights Directive 2011/83/EU, as implemented in Poland by Art. 38(13) of the Consumer Rights Act).
  1. Loss of right of withdrawal (Consumers): Pursuant to Article 16(m) of the EU Consumer Rights Directive (2011/83/EU), as implemented in Poland by Art. 38(13) of the Act of 30 May 2014 on Consumer Rights, the right to withdraw from a distance contract does not apply to a Consumer in respect of a contract for the supply of digital content not supplied on a tangible medium, for which the Consumer is obliged to pay a price, if all of the following conditions are met:
    • Condition 1: The Service Provider has begun performance with the Consumer's express and prior consent, given before the expiry of the 14-day withdrawal period;
    • Condition 2: The Consumer was informed before performance began that upon completion they would lose the right to withdraw from the contract, and acknowledged this (declaration made during the purchase process);
    • Condition 3: The Service Provider provided the Consumer with confirmation of the contract on a durable medium (email confirmation of purchase).
  2. All of the above conditions are met during the Credit purchase process on the Platform. The Consumer makes the required declarations before payment, and the contract confirmation is sent to the Consumer's email address.

  3. Purchased Credits are non-refundable, except in situations where:

    • a technical error on the Platform's side caused Credits to be deducted without the ordered service being delivered (e.g. incomplete generation, unprocessed image) — in such a case the Service Provider will restore the deducted Credits to the User's balance after verifying the report;
    • there has been a documented double charge to the User for the same transaction (confirmed by bank statement);
    • applicable mandatory law requires a refund.
  4. In particular, the following situations do not constitute grounds for a refund:
    • dissatisfaction with the quality of AI-Generated Content;
    • Platform downtime;
    • incomplete use of purchased Credits;
    • Account deletion by the User or Service Provider;
    • change of mind about a purchase after payment has been made;
    • changes to operation pricing after Credits have been purchased;
    • changes to Platform functionality.
  5. A refund request (only in the cases described in paragraph 3) must be submitted to: office@droplio.io within 14 days of the transaction date, stating the transaction number, date, amount, and description of the problem.
  6. The Service Provider will process the refund request within 14 calendar days. If the refund is approved, it will be made to the account from which the payment was made, via Stripe, within 14 days of approval.

§8. Chargebacks

An unjustified chargeback constitutes a breach of these Terms and may result in immediate Account suspension.
  1. In the event of a User submitting a chargeback via their bank or payment card operator, the Service Provider reserves the right to immediately suspend the User's Account pending resolution of the matter.
  2. If the chargeback is found to be unjustified (i.e. Credits were properly delivered in accordance with the Terms of Service and these Payment Terms), the Service Provider reserves the right to: (a) permanently delete the Account without the right to a refund of unused Credits, (b) seek recovery from the User of the costs of handling the unjustified chargeback (Stripe fees, administrative costs).
  3. Before submitting a chargeback, the User should contact the Service Provider to resolve the issue amicably.

§9. Technical errors and payments

The Service Provider makes every effort to ensure that the payment and Credit calculation system operates correctly, but does not guarantee its error-free operation.
  1. The User acknowledges that the Credit calculation and deduction system may contain technical errors (bugs) that may result in incorrect calculation, deduction, or display of the Credits balance.
  2. In the event of a technical error in Credit calculation being detected, the Service Provider will endeavour to fix it within a reasonable time. The Service Provider reserves the right to correct the Credits balance if an error is detected (whether in the User's favour or against it), subject to notifying the User of the correction made.
  3. If a technical error caused Credits to be deducted without the service being delivered, the Service Provider will restore the deducted Credits to the User's balance after verifying the report — in accordance with §7 paragraph 3 of these Payment Terms. Other consequences of technical errors (e.g. loss of results, delays) do not constitute grounds for a cash refund, subject to mandatory consumer protection legislation.

§10. Registration bonus

  1. New Users may receive a one-time welcome bonus in Credits upon Account registration. The current bonus amount (if available) is displayed on the registration page. The bonus is promotional in nature and does not constitute an obligation of the Service Provider.
  2. The registration bonus is granted only once per person / email address and may not be exchanged for cash, refunded, or transferred.
  3. The Service Provider reserves the right to revoke the bonus and suspend the Account in the event of abuse (e.g. multiple registrations with different email addresses in order to obtain additional bonuses).
  4. The Service Provider reserves the right to change the registration bonus amount or withdraw it entirely at any time, without affecting bonuses already granted.

§11. Price and terms changes

  1. The Service Provider reserves the right to change these Payment Terms, package prices, package contents (number of Credits), individual operation costs, the registration bonus amount, and any other pricing parameters at any time without prior notice to Users. The current price list is always available in the Platform interface and constitutes the sole binding source of information on applicable prices.
  2. The Service Provider will notify Users with Accounts of significant changes to the content of these Payment Terms (other than changes to prices, packages, and operation costs) by email with at least 14 days' notice. Continued use of the Platform after the changes take effect constitutes acceptance of those changes.
  3. Price and operation cost changes do not affect Credits already purchased — their quantity remains unchanged. Changes to operation costs may affect the number of operations that can be performed with existing Credits.

§12. Transaction security

  1. All transactions are processed via an encrypted SSL/TLS connection.
  2. Payment card data is processed solely by Stripe (PCI DSS Level 1 certified) and never reaches the Service Provider's servers.
  3. In the event of a suspected unauthorised transaction, the User should immediately contact the Service Provider and their bank or card operator.
  4. The Service Provider is not liable for unauthorised transactions resulting from the User disclosing their login credentials or from the User's email account or device being compromised.

§13. Final provisions

  1. Matters not regulated by this document are governed by the provisions of the Terms of Service and applicable law. Nothing in these Payment Terms limits any rights consumers may have under the mandatory laws of their country of habitual residence.
  2. Payment disputes are resolved in accordance with the rules set out in §13 of the Terms of Service.
  3. If any provision of these Payment Terms is held invalid or unenforceable, the remaining provisions remain in force to the fullest extent permitted by law.

Windify Digital Services
ul. Płocka 127/16, 87-800 Włocławek
NIP: 8943145650 | REGON: 384382857
E-mail: office@droplio.io | Tel: 787-667-271