Find It All (FIA)

A Brand under Innovara Marketing Inc.
Designed By Adrian
Dated: 30th September 2026

PAYMENT, BILLING, REFUND & PAYOUT POLICY

Document ID: FIA-POL-009
Version: 1.0
Status: ACTIVE — Company-Approved Publication Version
Classification: PUBLIC
Effective Date: 30th September 2026
Last Updated: 30th September 2026
Legal Operator: Innovara Marketing Inc.
Brand: Find It All (FIA)

1. Purpose

This Payment, Billing, Refund & Payout Policy explains how Find It All (“FIA”) handles financial matters relating to FIA products, services and programs.

It addresses matters including:

• prices;

• taxes;

• invoices;

• payment methods;

• deposits;

• subscriptions;

• renewals;

• failed payments;

• billing errors;

• refunds;

• cancellations;

• chargebacks;

• promotions;

• third-party expenses;

• Affiliate commissions;

• Service Partner payments; and

• future Marketplace seller payouts.

Not every payment or payout function described in this Policy is necessarily active at all times.

2. Who Operates FIA

Find It All (FIA) is a brand under Innovara Marketing Inc.

Innovara Marketing Inc. owns, operates and manages FIA.

Where FIA directly sells a product or service, Innovara Marketing Inc. is the seller or service provider unless the applicable transaction expressly identifies another party.

3. Relationship With Other Agreements

This Policy should be read together with FIA’s:

• Terms of Service;

• applicable checkout terms;

• proposal or quotation;

• invoice;

• Master Services Agreement;

• Statement of Work;

• service schedule;

• Business Story Service Terms;

• Affiliate Program Terms;

• Service Partner Agreement; and

• other transaction-specific terms.

If a service-specific signed or accepted agreement contains a different rule for a particular transaction, the service-specific agreement controls that matter to the extent of the conflict, subject to rights that cannot legally be waived.

PRICES

4. Price Disclosure

Before a customer becomes bound to a paid FIA purchase, FIA intends to disclose the material price information applicable to the transaction.

Depending on the purchase, this may include:

• product or service price;

• billing frequency;

• mandatory fees;

• taxes;

• deposit;

• recurring charges;

• third-party costs;

• advertising spend;

• renewal terms; and

• other material payment conditions.

5. No Hidden Mandatory FIA Fees

FIA will not intentionally advertise a price that cannot actually be obtained because an undisclosed mandatory FIA fee is added later in the transaction.

Applicable:

• sales taxes;

• government-imposed charges; and

• optional services selected by the customer

may be added or disclosed separately where permitted.

6. Currency

Unless clearly stated otherwise, FIA prices displayed for Canadian customers are intended to be in Canadian dollars (CAD).

Where another currency applies, FIA should identify it before the customer becomes bound.

7. Foreign Exchange and Bank Charges

If a customer pays using an account or card denominated in another currency, the customer’s:

• bank;

• card issuer;

• payment provider; or

• financial institution

may apply currency-conversion rates or charges.

Those external charges are not controlled by FIA unless expressly stated otherwise.

TAXES

8. Applicable Taxes

Applicable sales taxes may be added to FIA purchases as required by law.

Depending on the transaction and jurisdiction, this may include applicable:

• GST;

• HST;

• PST;

• QST; or

• other taxes.

9. Tax Information

Customers are responsible for providing accurate billing or tax information where reasonably required.

Business customers remain responsible for their own independent accounting and tax obligations.

FIA does not provide individualized tax advice merely by collecting or charging applicable taxes.

PAYMENT METHODS

10. Accepted Payment Methods

FIA may accept payment using methods made available for the particular transaction.

These may include:

• credit card;

• debit-supported online payment;

• electronic transfer;

• bank transfer;

• invoice payment;

• approved online payment provider; or

• another method expressly accepted by FIA.

Available methods may vary by service or customer.

11. Third-Party Payment Processors

FIA may use third-party payment providers to process payments.

The payment provider may independently apply:

• technical requirements;

• fraud controls;

• authentication;

• card-network requirements;

• payment-provider terms; and

• privacy practices.

FIA may receive transaction information without receiving or retaining full payment-card details.

12. Payment Authorization

When you submit a payment method, you represent that:

• you are authorized to use it;

• the information provided is accurate;

• the transaction is not fraudulent; and

• FIA or its payment provider may process the authorized amount according to the disclosed transaction terms.

INVOICES AND PAYMENT TERMS

13. FIA Invoices

Where FIA issues an invoice, the invoice may identify:

• customer;

• services;

• amount;

• taxes;

• payment due date;

• payment instructions;

• deposit;

• instalments;

• outstanding balance; and

• other transaction information.

The customer should review the invoice promptly and raise any suspected error.

14. Payment Due Dates

Payment must be made according to the due date stated in the:

• checkout;

• invoice;

• quotation;

• proposal;

• order;

• service agreement; or

• applicable plan terms.

If no different written term applies, FIA may require payment before beginning or continuing paid work.

15. Deposits and Advance Payments

Some services may require:

• a deposit;

• retainer;

• advance payment;

• milestone payment; or

• full payment before work begins.

The applicable proposal, order or service agreement should state:

• the amount;

• when it is due;

• what it applies toward; and

• applicable cancellation or refund treatment.

16. Deposits Are Not Automatically Non-Refundable

A payment will not be treated as non-refundable merely because it is called a “deposit.”

Where FIA intends a deposit, reservation fee, setup charge or other amount to have specific refund consequences, those consequences should be disclosed in the applicable purchase or service terms, subject to applicable law.

DIRECT FIA SERVICES

17. Services Provided by Innovara Marketing Inc.

Where FIA directly provides services such as:

• Business Stories;

• website development;

• content;

• visibility services;

• marketing;

• social media;

• advertising management;

• CRM;

• automation;

• AI-supported services;

• business-growth services; or

• business-launch services,

the applicable order or service agreement may establish payment stages and refund rules specific to that service.

18. Custom Work

Custom professional work may involve substantial:

• strategy;

• research;

• creative work;

• setup;

• development;

• configuration;

• labour;

• project management; or

• third-party commitments.

Refund eligibility may therefore change once work begins.

The applicable service terms should explain any service-specific cancellation consequences.

THIRD-PARTY COSTS

19. Third-Party Expenses

Some FIA services may involve external expenses such as:

• advertising spend;

• domain registrations;

• hosting;

• software licences;

• stock media;

• printing;

• shipping;

• plugins;

• subscriptions;

• platform fees;

• freelancer or specialist costs; or

• other external purchases.

Where possible, material third-party costs should be disclosed before they are incurred.

20. Committed Third-Party Costs

A third-party cost that has already been:

• purchased;

• committed;

• consumed;

• activated; or

• made non-refundable by the third-party provider

may not be refundable by FIA merely because the customer later cancels the FIA project.

Any mandatory consumer rights continue to apply.

21. Advertising Spend

Advertising or media spend is separate from FIA’s management fee unless the applicable offer expressly includes it.

Once advertising funds have been spent or irrevocably committed to the advertising platform, those amounts may not be recoverable from FIA.

SUBSCRIPTIONS

22. Recurring Plans

Where FIA offers a recurring subscription, the purchase process should disclose material information before purchase, including:

• recurring nature of the plan;

• billing interval;

• price or method of determining the price;

• applicable taxes;

• renewal conditions;

• material inclusions;

• cancellation method; and

• other material conditions.

23. Automatic Renewal

A subscription should renew automatically only where that renewal structure has been disclosed as part of the applicable plan or purchase process.

The customer remains responsible for cancelling before the applicable renewal if they do not want the next renewal charged, subject to mandatory law.

24. Cancelling a Subscription

Cancellation ordinarily prevents future renewal according to the applicable plan terms.

Cancellation does not necessarily mean that amounts already properly charged for:

• an existing billing period;

• completed services;

• consumed benefits; or

• work already supplied

must be refunded.

Refunds remain subject to the applicable purchase terms and mandatory law.

25. Access After Cancellation

Where appropriate, a cancelled subscription may remain active until the end of the already-paid billing period.

FIA may instead terminate access earlier and provide an appropriate adjustment where required by the applicable offer, circumstances or law.

26. Subscription Price Changes

FIA may change subscription pricing prospectively.

Material pricing changes affecting an existing recurring customer should be communicated in accordance with:

• the applicable plan terms;

• existing contract; and

• applicable law.

A price increase will not be retroactively imposed on a completed billing period.

FAILED AND OVERDUE PAYMENTS

27. Failed Payments

If an authorized payment fails, FIA or its payment provider may:

• attempt the payment again where appropriate;

• request an updated payment method;

• notify the customer;

• pause service;

• restrict paid features; or

• suspend future work

until the payment issue is resolved.

28. Overdue Accounts

Where an invoice becomes overdue, FIA may take reasonable action permitted by the applicable agreement.

This may include:

• payment reminders;

• pausing work;

• withholding undelivered work;

• suspending paid access;

• terminating the affected service; or

• pursuing lawful collection of the unpaid amount.

29. No Unreasonable Collection Conduct

FIA will not treat an unpaid invoice as permission to:

• threaten a customer;

• publicly shame a customer;

• disclose unnecessary personal information; or

• engage in unlawful collection conduct.

BILLING ERRORS

30. Suspected Billing Errors

Customers should contact FIA promptly if they believe they were:

• charged twice;

• charged the wrong amount;

• charged after valid cancellation;

• charged for the wrong service;

• incorrectly taxed; or

• otherwise billed incorrectly.

31. FIA Corrections

If FIA confirms a billing error, FIA may correct it through an appropriate method such as:

• refund;

• reversal;

• invoice correction;

• credit;

• balance adjustment; or

• other appropriate remedy.

REFUNDS

32. Refund Principle

Refund eligibility depends on:

• the product or service;

• applicable service-specific terms;

• how much work has been completed;

• whether external costs have been incurred;

• whether the service has been delivered;

• the reason for cancellation;

• applicable consumer rights; and

• other relevant circumstances.

FIA will not use this Policy to eliminate a refund or cancellation right that applicable law makes mandatory.

33. Before Work Begins

Where a customer cancels a direct FIA service before substantive work has begun, FIA may provide a full or partial refund depending on:

• the applicable agreement;

• administrative or setup work already completed;

• committed third-party expenses; and

• mandatory law.

Any deduction should have a reasonable basis and be permitted by the applicable terms and law.

34. After Work Begins

Where substantive work has begun, FIA may retain amounts reasonably attributable to:

• work already performed;

• completed milestones;

• approved deliverables;

• setup already performed;

• non-refundable external costs; or

• other earned amounts

where permitted by the applicable contract and law.

Any remaining refundable balance will be determined under the applicable service terms.

35. Completed Services

A fully delivered service does not ordinarily qualify for a refund merely because the customer later:

• changes their mind;

• does not achieve an expected business result;

• receives fewer leads than hoped;

• experiences lower traffic than expected; or

• decides not to use the completed deliverable,

unless the applicable agreement, guarantee or law provides otherwise.

36. No Business-Outcome Guarantee

Unless expressly guaranteed in writing, dissatisfaction with business performance alone does not create an automatic refund right for matters such as:

• search rankings;

• traffic;

• enquiries;

• leads;

• social engagement;

• advertising results;

• conversions;

• sales;

• revenue; or

• return on investment.

FIA remains responsible for delivering the scope it actually agreed to provide.

BUSINESS STORIES

37. Business Story Refunds

FIA Business Stories involve editorial and production work.

Specific cancellation and refund rules may be established in the Business Story Service Terms.

Depending on the stage reached, work may include:

• onboarding;

• interviews;

• research;

• editorial planning;

• writing;

• editing;

• design;

• media preparation;

• publication setup; and

• promotion.

Refund treatment may therefore differ before and after production begins.

38. Sponsored Story Results

A Business Story refund is not automatically owed because the published story does not generate a particular:

• ranking;

• traffic level;

• lead volume;

• backlink result;

• sale;

• revenue amount; or

• other business outcome.

DIGITAL OR IMMEDIATELY SUPPLIED SERVICES

39. Digital Deliverables

Some FIA services may involve digital work or deliverables that can be supplied immediately or progressively.

Refund eligibility may be reduced once the customer has received or benefited from completed work, subject to applicable law.

PROMOTIONS

40. Promotional Prices

FIA may offer:

• launch pricing;

• introductory pricing;

• promotional discounts;

• coupon codes;

• limited offers; or

• other genuine promotions.

The applicable promotion may have eligibility or duration conditions.

41. Genuine Reference Prices

Where FIA represents a service as discounted from a regular or ordinary price, the reference price must have a legitimate basis.

FIA should retain appropriate records supporting material pricing and promotional claims.

42. Promotional Expiry

A limited-time promotion should not use a false deadline or continually resetting countdown to create misleading urgency.

Where an offer genuinely ends or changes, FIA may extend or replace a promotion provided the resulting marketing remains accurate.

43. Coupons and Promotional Codes

Unless otherwise stated:

• promotional codes have no cash value;

• only eligible transactions qualify;

• codes may expire;

• codes may be limited to particular products or customers;

• unauthorized resale may be prohibited; and

• discounts may not necessarily be combined.

Mandatory consumer rights remain unaffected.

REFUND METHOD

44. How Approved Refunds Are Paid

Where reasonably possible, an approved refund will be returned through the original payment method.

Where that is impractical or unavailable, FIA may use another appropriate method.

FIA may need to verify relevant transaction information before issuing a refund.

45. Processing Time

FIA will initiate approved refunds within a reasonable period after the refund decision and required information has been obtained.

After FIA issues the refund, the time before funds appear may depend on:

• bank;

• card issuer;

• payment processor; or

• payment method.

FIA does not control external financial-institution posting times.

CHARGEBACKS

46. Legitimate Chargebacks

Nothing in this Policy prevents a customer from exercising a legitimate chargeback or payment-dispute right available through:

• their card issuer;

• payment provider; or

• applicable law.

47. Contacting FIA First

Where practical, FIA encourages customers to contact FIA first about suspected:

• billing errors;

• duplicate payments;

• cancellation issues; or

• disputed services

so FIA has an opportunity to investigate and resolve the matter.

Contacting FIA first is not a waiver of a statutory or card-network right.

48. Fraudulent Chargebacks

Users must not knowingly submit a false chargeback by materially misrepresenting:

• authorization;

• service delivery;

• the transaction;

• cancellation;

• or another relevant fact.

FIA may provide relevant transaction records to the payment provider when responding to a disputed payment.

FREE SERVICES

49. Free Listings and Features

No refund applies to a genuinely free service for which no payment was made.

A free listing or feature may be modified or discontinued according to FIA’s Terms of Service and applicable law.

AFFILIATE COMMISSIONS

50. Affiliate Payouts — Only Where the Program Is Active

Where FIA’s Affiliate Program is activated, approved Affiliates may earn commissions on qualifying referrals according to the applicable Affiliate Program Terms & Conditions.

This Policy does not create commission eligibility by itself.

51. Commission Eligibility

A tracked referral does not automatically mean commission is payable.

Eligibility may depend on matters such as:

• valid attribution;

• qualifying purchase;

• realized payment;

• exclusions;

• cancellation;

• refund;

• fraud review; and

• the applicable Affiliate Program Terms.

52. Standard FIA-Site Affiliate Commission

Where FIA’s standard public Affiliate arrangement is activated, the standard FIA-site referral commission is 4% on the first qualifying sale, subject to the current Affiliate Program Terms and attribution rules.

Separate selected-service or negotiated commission arrangements may be governed by their own written terms.

53. Refunded or Reversed Affiliate Transactions

Where a customer transaction is:

• cancelled;

• refunded;

• reversed;

• charged back;

• fraudulent; or

• otherwise disqualified,

the associated commission may be:

• cancelled;

• deducted from an unpaid balance; or

• recovered according to the Affiliate Program Terms where legally and contractually permitted.

54. Affiliate Payment Information

FIA may require appropriate:

• identity;

• payment;

• tax; or

• compliance information

before issuing an Affiliate payout.

Failure to provide reasonably required information may delay payment.

FIA SERVICE PARTNERS

55. Service Partner Payments

Payments involving an FIA Service Partner are governed primarily by the applicable FIA Service Partner Agreement and service arrangement.

The applicable transaction should make reasonably clear whether:

• the customer pays FIA;

• the customer pays the Service Partner directly; or

• another approved payment structure applies.

56. FIA Is Not Automatically Holding Partner Funds in Trust

Unless FIA expressly states otherwise in a particular written arrangement, funds paid to FIA are not automatically held in a lawyer-style trust account or escrow arrangement for an independent Service Partner.

FUTURE MARKETPLACE

57. Marketplace Is Not Currently Activated by This Policy

FIA has designed future Marketplace functionality.

However, publication of this Policy does not mean FIA has activated:

• seller checkout;

• buyer payments;

• Marketplace order management;

• seller balances;

• seller payouts;

• Buyer Protection;

• Marketplace refunds;

• Marketplace reserves; or

• transactional seller accounts.

Those functions apply only when FIA expressly activates them.

58. Additional Marketplace Rules

Before Marketplace payments are activated, FIA intends to implement applicable documents such as:

• Marketplace Seller Agreement;

• Seller Standards;

• Buyer Protection Policy;

• Seller Onboarding Declaration;

• Seller Tax & Platform Reporting Acknowledgement;

• Restricted / Prohibited Products & Services Rules; and

• Marketplace operational controls.

59. Future Marketplace Seller Payments

If Marketplace payment functionality is activated, FIA may facilitate collection of customer payments and payment of amounts owed to participating sellers according to the Marketplace terms.

The applicable transaction rules will explain:

• platform fees;

• payment-processing treatment;

• taxes;

• refunds;

• chargebacks;

• disputes;

• payout timing;

• reserves or holds where applicable;

• adjustments; and

• seller responsibilities.

60. Designed Marketplace Platform Fee

FIA’s current commercial design contemplates a 15% FIA Marketplace platform fee on the qualifying transaction subtotal after discounts and before applicable sales tax.

This fee structure does not become operational merely because it appears in this Policy.

It applies only if and when the Marketplace is activated under transaction terms that disclose the applicable fee before the seller participates.

61. Payment Processing Within Marketplace Economics

Under FIA’s current designed Marketplace model, ordinary payment-processing cost is intended to be accounted for within FIA’s platform economics rather than silently added to the advertised seller platform fee.

The final activated seller terms and checkout configuration will control.

62. Future Seller Payout Eligibility

If Marketplace payouts are activated, a seller may need to satisfy requirements such as:

• completed onboarding;

• identity or business verification;

• valid payment details;

• required tax information;

• fulfilment obligations;

• expiration of applicable hold periods;

• absence of unresolved fraud concerns; and

• compliance with Marketplace terms

before a payout is released.

63. Future Marketplace Holds and Reserves

Where permitted by the activated Marketplace agreement and applicable law, FIA may delay, hold or reserve amounts reasonably necessary to manage risks such as:

• refunds;

• chargebacks;

• fraud;

• disputed orders;

• non-delivery;

• unusually elevated transaction risk;

• payment-provider restrictions; or

• legal requirements.

Specific rules must be disclosed in the activated seller agreement.

64. Future Marketplace Refund Adjustments

If FIA refunds a Marketplace buyer for a transaction for which a seller has already received or accrued funds, the applicable seller agreement may permit FIA to:

• deduct the amount from the seller balance;

• offset future payouts;

• use an applicable reserve; or

• seek reimbursement.

This applies only once Marketplace transactional terms are activated.

65. Marketplace Taxes

Marketplace sellers will remain responsible for their own tax obligations except to the extent applicable law specifically requires FIA or a payment provider to:

• collect;

• remit;

• withhold; or

• report

particular amounts.

Marketplace tax and reporting obligations will be addressed before activation.

CONSUMER RIGHTS

66. Mandatory Consumer Rights

Nothing in this Policy removes a consumer right that cannot legally be waived.

Where applicable consumer-protection law provides a right to:

• disclosure;

• cancellation;

• refund;

• contract delivery;

• correction;

• reversal; or

• another remedy,

that legal right applies despite inconsistent wording in this Policy.

67. Online Agreements

Where an FIA online purchase constitutes an internet agreement subject to mandatory consumer-protection requirements, FIA will apply the required:

• pre-contract information;

• opportunity to accept or decline;

• opportunity to correct errors;

• agreement-copy delivery;

• cancellation rights; and

• other statutory requirements.

PAYMENT SECURITY

68. Payment Information

FIA aims to minimize unnecessary handling of complete payment-card information.

Where practical, card information should be processed by an appropriate payment service provider.

69. Payment Fraud

FIA may investigate or restrict a transaction where there is reasonable concern involving:

• stolen payment credentials;

• unauthorized transactions;

• identity misuse;

• abnormal transaction activity;

• chargeback fraud; or

• other payment abuse.

70. Verification

FIA or its payment provider may request reasonable verification before processing or releasing certain payments where necessary for:

• fraud prevention;

• security;

• regulatory compliance;

• payment-network requirements; or

• other legitimate purposes.

RECORDS

71. Financial Records

FIA may retain records reasonably necessary for:

• accounting;

• taxes;

• invoices;

• refunds;

• disputes;

• chargebacks;

• commissions;

• contracts;

• fraud prevention; and

• legal compliance.

Financial and transaction information is also handled according to FIA’s Privacy Policy.

DISPUTES

72. Billing Disputes

For a disputed FIA charge, customers should provide enough information for FIA to identify:

• customer;

• invoice or order;

• payment;

• disputed amount;

• nature of the problem; and

• requested correction.

Do not send complete credit-card information through ordinary email or FIA’s general enquiry form.

73. Service Disputes

A disagreement about whether contracted work was properly delivered may be handled under:

• the applicable service agreement;

• this Policy;

• FIA’s Dispute Resolution & Complaints Policy; and

• applicable law.

CHANGES TO THIS POLICY

74. Policy Updates

FIA may update this Policy when:

• payment methods change;

• subscription functionality changes;

• programs change;

• refund practices change;

• Marketplace functionality is activated;

• legal requirements change; or

• FIA’s commercial systems develop.

The current version will display the Last Updated date.

75. Material Existing Commitments

An updated public policy will not automatically rewrite a signed existing contract where the contract requires mutual agreement or applicable law prevents unilateral modification.

RELATED FIA DOCUMENTS

76. Related Documents

This Policy should be read together with applicable FIA documents, including:

• Terms of Service;

• Privacy Policy;

• Cookie & Tracking Policy;

• Acceptable Use Policy;

• Dispute Resolution & Complaints Policy;

• Affiliate Program Terms & Conditions;

• Business Story Service Terms;

• FIA Service Partner Agreement; and

• applicable service agreements.

Marketplace-specific documents become transactionally applicable when Marketplace functionality is activated.

PAYMENT & BILLING ENQUIRIES

77. Questions, Refunds and Billing Corrections

For payment, billing or general refund questions, use the FIA Policy, Privacy & Legal Enquiry Form available on this page.

Select:

Policy / Document: Payment, Billing, Refund & Payout Policy — FIA-POL-009

Suggested enquiry types include:

• Billing Question;

• Billing Error;

• Duplicate Charge;

• Refund Request;

• Cancellation Question;

• Subscription Question;

• Invoice Question;

• Affiliate Commission Question;

• Payout Question;

• Chargeback / Payment Dispute; or

• Other Payment Matter.

Where relevant, provide:

• name;

• business name;

• account email;

• invoice number;

• order/reference number;

• transaction date;

• amount in question; and

• brief explanation.

Do not submit complete credit-card numbers, CVV/security codes, passwords or unnecessary sensitive personal information through the form.

Policy Contact: privacyandterms@finditall.ca
Legal Operator: Innovara Marketing Inc., Toronto, Ontario, Canada
General FIA Contact: info@finditall.ca | +1 437 484 2532