Payment, Billing, Refund & Payout Policy

Find It All (FIA)
A Brand Owned & Operated by Innovara Marketing Inc.

Document Reference: FIA-POL-009
Classification: PUBLIC — PAYMENT, BILLING, REFUND & PAYOUT POLICY
Version: 1.1
Effective Date: 1 October 2026
Last Updated: 1 October 2026
Legal Operator: Innovara Marketing Inc.
Brand: Find It All (FIA)
Document Owner: FIA Finance, Marketplace & Platform Operations

1. Purpose

This Payment, Billing, Refund & Payout Policy explains the general rules governing payments, Marketplace fees, billing, transaction adjustments, refunds, chargebacks, Seller proceeds and Affiliate commissions processed or administered through Find It All.

Find It All, or FIA, is owned, operated and managed by Innovara Marketing Inc.

This Policy is intended to provide transparent information for:

• Buyers;

• independent Marketplace Sellers;

• Innovara Marketing Inc. when acting as a first-party Marketplace Vendor;

• Affiliates;

• FIA customers purchasing FIA services; and

• other users participating in transactions administered through FIA.

Different products, services, Marketplace offers or commercial programs may have additional terms.

This Policy should therefore be read together with the applicable transaction terms and related FIA policies.

2. Related FIA Documents

Depending on the transaction or participant, this Policy should be read with:

• Terms of Service

• Understanding Our Role

• Marketplace Seller Standards

• Seller Onboarding Centre

• Marketplace Purchase Terms

• Marketplace Buyer Protection & Resolution Policy

• Marketplace Order, Fulfilment, Cancellation & Refund Standard

• Marketplace Affiliate Sales Disclosure

• Affiliate Program Terms & Conditions

• Affiliate Tracking & Attribution Disclosure

• Affiliate Promotion & Disclosure Guidelines

• Dispute Resolution & Complaints Policy

• Privacy Policy

• Trust Centre

Where a transaction is subject to additional accepted terms, those terms should be read together with this Policy.

PART I — PAYMENT STRUCTURE

3. Who May Be the Seller or Provider

Marketplace products and services may be supplied by:

3.1 Innovara Marketing Inc.

Innovara may sell its own products or services through FIA as an identified:

Innovara Marketplace Vendor

Where Innovara is identified as the provider, Innovara is responsible for that offering.

3.2 Independent Marketplace Sellers

Approved third-party businesses may sell through FIA as independent Marketplace Sellers or Vendors.

These businesses remain separate from Innovara Marketing Inc. and remain responsible for their own offerings, subject to FIA Marketplace requirements.

The Seller or provider applicable to a transaction should be identified in the relevant offer, order or checkout information.

4. Payment Authorization

When a Buyer submits a payment through FIA, the Buyer authorizes the applicable transaction amount shown at checkout to be processed using the selected payment method.

The Buyer is responsible for reviewing the transaction information before submitting payment, including where applicable:

• Seller or provider;

• product or service;

• quantity;

• scope;

• price;

• discounts;

• taxes;

• mandatory charges;

• total;

• currency;

• fulfilment terms; and

• applicable cancellation or refund information.

A payment attempt may be declined or delayed by a financial institution, card network, payment service provider, fraud-control process or other payment-related system.

5. Payment Processing

FIA may use third-party payment processors, financial institutions or other payment-service providers to facilitate transactions.

Payment processing may therefore be subject to:

• payment-provider terms;

• bank processing;

• card-network rules;

• fraud checks;

• payment-method limitations;

• transaction verification; and

• applicable law.

FIA does not control every delay or decision made by an external financial institution or payment provider.

6. Currency

The currency displayed for the applicable transaction controls unless otherwise expressly stated.

Where a Buyer’s payment instrument operates in another currency, the Buyer’s bank, card issuer or payment provider may independently apply:

• currency conversion;

• exchange rates;

• foreign transaction charges; or

• other payment-provider charges.

Those external charges are not FIA Marketplace fees unless FIA expressly identifies them as such.

PART II — PRICING AND BILLING TRANSPARENCY

7. Displayed Prices

Prices must be presented in a manner intended to allow Buyers to understand the amount payable before committing to a purchase.

Depending on the transaction, checkout information may include:

• offer price;

• approved discount;

• applicable taxes;

• permitted variable charges;

• mandatory charges;

• currency; and

• total amount payable.

A Seller must not deliberately advertise an unattainable headline price and then introduce undisclosed mandatory Seller charges later in the transaction.

8. Government-Imposed Taxes

Applicable taxes may be added where required.

Depending on the transaction structure and applicable law, tax may be:

• collected by the Seller;

• collected or administered through FIA;

• handled through a payment provider; or

• otherwise administered as legally required.

The party responsible for remitting a particular tax may depend on the nature and structure of the transaction.

FIA does not provide individualized tax advice through this Policy.

9. Mandatory Seller Charges

Independent Sellers must provide FIA with accurate information concerning charges associated with their offers.

Known mandatory Seller charges must not be hidden from Buyers.

A Seller must not disguise its own commercial charge as:

• a government tax;

• an FIA-required Buyer charge;

• a regulatory charge where it is not one; or

• another mandatory external fee where that description would be misleading.

PART III — STANDARD MARKETPLACE VENDOR FEES

10. Standard Marketplace Fee

Unless another valid written Seller arrangement expressly provides otherwise, FIA’s standard Marketplace Vendor fee is:

15%

The fee is calculated on the:

qualifying transaction subtotal after approved discounts and before applicable sales taxes.

For a standard qualifying Marketplace sale:

The Marketplace fee is a Seller/Vendor-side commercial fee.

11. Marketplace Fee Must Not Be Hidden in Buyer Pricing

The 15% standard Marketplace fee must not be converted into an undisclosed mandatory surcharge added to the Buyer after the advertised price.

Sellers may determine their lawful commercial pricing, but price representations must remain accurate and transparent.

12. Seller Proceeds

Seller proceeds may be calculated after taking into account applicable items such as:

• approved discounts;

• FIA Marketplace fees;

• Affiliate Campaign Fees where applicable;

• refunds;

• partial refunds;

• chargebacks;

• reversals;

• transaction corrections;

• credits;

• applicable tax treatment;

• amounts previously overpaid; and

• other legitimate adjustments authorized by the applicable Seller agreement or law.

The existence of a sale does not necessarily mean that the gross transaction amount is immediately payable to the Seller.

PART IV — OPTIONAL AFFILIATE CAMPAIGN FEES

13. Vendor Affiliate Campaign Participation

An approved Marketplace Vendor may opt a specific offer into FIA’s Affiliate Campaign where the program is available and FIA approves the offer.

Affiliate Campaign participation is offer-specific.

Participation for one offer does not automatically enroll:

• every product;

• every service;

• every offer from that Vendor; or

• future offers.

14. Additional Affiliate Campaign Fee

When:

1. a specific offer has been validly opted into the FIA Affiliate Campaign; and

2. a valid Affiliate-attributed qualifying sale occurs,

an additional:

15% Affiliate Campaign Fee

applies to that qualifying transaction.

The normal commercial structure becomes:

15. Affiliate Campaign Fee Is Not an Automatic Affiliate Pass-Through

The additional 15% Affiliate Campaign Fee is a commercial fee payable to FIA.

It should not be interpreted as meaning the entire 15% is automatically transferred to the Affiliate.

The fee may support matters including:

• Affiliate commissions;

• Affiliate acquisition;

• attribution and tracking;

• reconciliation;

• campaign operations;

• fraud controls;

• Affiliate dashboard infrastructure; and

• other Affiliate Campaign-related economics.

Affiliate compensation is separately determined under the Affiliate Program Terms & Conditions.

16. No Affiliate Campaign Fee on Ordinary Marketplace Sales

The additional Affiliate Campaign Fee does not automatically apply to an ordinary Marketplace transaction.

It applies only where the applicable offer is participating in the Affiliate Campaign and the sale satisfies the valid Affiliate-attribution requirements.

17. No Hidden Buyer Affiliate Surcharge

The Affiliate Campaign Fee is a Vendor-side commercial fee.

It must not be added as an undisclosed mandatory surcharge to the Buyer.

PART V — BUYER PAYMENTS AND ORDER STATUS

18. Payment Does Not Always Mean Final Fulfilment

A successfully processed payment may confirm that payment has been received or authorized, but does not by itself establish that:

• a physical product has been delivered;

• a service has been completed;

• a digital deliverable has been provided;

• a Buyer issue window has expired;

• a dispute has been resolved; or

• an Affiliate transaction has become Tier Finalized.

Transaction status is determined using the applicable fulfilment and Marketplace rules.

19. Payment Confirmation

Where available, FIA may provide or facilitate an order, receipt or transaction confirmation identifying information such as:

• order number;

• Seller/provider;

• offering;

• amount;

• tax;

• total;

• currency;

• payment status; and

• relevant transaction information.

Buyers should retain relevant transaction confirmations.

20. Incorrect Payment Information

Users are responsible for providing accurate payment and billing information.

FIA may request correction where:

• payment details are invalid;

• payment authorization fails;

• required information is missing;

• transaction verification fails; or

• a payment provider requests further information.

21. Duplicate or Incorrect Charges

A Buyer who reasonably believes they have been:

• charged twice;

• charged the wrong amount; or

• charged for a transaction they did not authorize

should report the issue promptly through the applicable FIA support or dispute channel.

FIA may request relevant information necessary to investigate.

PART VI — CANCELLATIONS

22. Cancellation Terms

Cancellation rights may depend on:

• the particular offer;

• product or service type;

• fulfilment status;

• whether work has begun;

• whether goods have shipped;

• whether goods were customized;

• committed third-party costs;

• accepted transaction terms;

• applicable statutory rights; and

• other relevant circumstances.

Sellers may not use cancellation terms to eliminate rights that cannot lawfully be waived.

23. Seller Cancellation

If a Seller cannot fulfil an accepted Marketplace order, the Seller should notify FIA and the Buyer promptly.

Depending on the circumstances, the transaction may require:

• cancellation;

• replacement;

• rescheduling;

• full refund;

• partial refund;

• Buyer agreement to modified fulfilment; or

• another appropriate resolution.

A Seller must not falsely mark an order fulfilled solely to avoid cancellation or refund obligations.

24. Buyer Cancellation

A Buyer requesting cancellation should use the applicable transaction or support process as soon as reasonably possible.

The outcome may depend on the applicable offer terms and fulfilment stage.

FIA’s more detailed Marketplace rules are contained in the Marketplace Order, Fulfilment, Cancellation & Refund Standard.

PART VII — ORDINARY BUYER ISSUE AND REFUND WINDOWS

25. Purpose of the Ordinary Issue Windows

FIA uses ordinary Marketplace issue windows to create a predictable period for Buyers to identify and report common transaction problems.

These windows are administrative Marketplace rules.

They are not intended to eliminate:

• mandatory statutory cancellation rights;

• non-waivable consumer protection rights;

• warranty rights;

• fraud claims;

• unauthorized-payment claims; or

• other rights that applicable law requires to remain available.

26. Services and Digital Deliverables

For completed services and digital deliverables, the ordinary FIA Marketplace issue/refund request window is:

7 calendar days

from confirmed completion or delivery.

27. Physical Goods

For physical goods, the ordinary FIA Marketplace issue/refund request window is:

14 calendar days

from confirmed delivery.

28. Wrong, Damaged or Missing Physical Items

Where a physical item is:

• wrong;

• visibly damaged;

• materially incomplete; or

• missing,

the Buyer should report the problem promptly.

Where the problem was reasonably discoverable on delivery, it should ordinarily be reported within:

7 calendar days

of confirmed delivery.

29. No Absolute “No Refund After X Days” Rule

The ordinary 7-day and 14-day windows are not absolute legal cut-offs.

A later issue may still require review where relevant circumstances include:

• fraud;

• unauthorized payment;

• non-delivery;

• latent defects not reasonably discoverable earlier;

• applicable warranties;

• mandatory statutory cancellation rights;

• mandatory consumer protection rights; or

• other non-waivable legal rights.

PART VIII — REFUND ASSESSMENT

30. Refund Requests

A refund request may be reviewed using information including:

• order records;

• applicable offer terms;

• payment status;

• fulfilment status;

• delivery evidence;

• service completion evidence;

• Buyer communications;

• Seller communications;

• photographs or documentation;

• partial performance;

• returned goods;

• applicable warranty;

• transaction history; and

• applicable law.

31. Full Refunds

A full refund may be appropriate where supported by the applicable circumstances, transaction terms or law.

Examples may include qualifying cases involving:

• non-delivery;

• Seller inability to fulfil;

• valid cancellation;

• materially non-conforming goods or services;

• unauthorized transactions;

• qualifying fraud;

• transaction reversal; or

• another established basis for a full refund.

This list is not exhaustive and does not guarantee a refund in every circumstance described.

32. Partial Refunds

A partial refund may be appropriate where a transaction has been partially fulfilled or where part of the transaction value is properly retained.

Relevant considerations may include:

• amount of service completed;

• goods retained;

• missing components;

• agreed price adjustment;

• scope reduction;

• partial cancellation;

• applicable transaction terms; and

• applicable legal rights.

33. Refunds and Discounts

Where the original transaction used an approved discount, a refund may be calculated using the actual amount attributable to the affected transaction rather than an undiscounted reference price.

34. Refund Method

Where feasible, an approved refund may be returned through the original or appropriate payment method.

Actual settlement timing may depend on:

• payment provider;

• financial institution;

• card network;

• payment method;

• technical processing; and

• other external factors.

FIA cannot guarantee the time at which a Buyer’s financial institution will display a completed refund after it has been processed.

PART IX — DISPUTES AND CHARGEBACKS

35. Marketplace Dispute Process

Buyers and Sellers are encouraged to use FIA’s applicable Marketplace support and resolution procedures for transaction concerns.

See:

• Marketplace Buyer Protection & Resolution Policy

• Dispute Resolution & Complaints Policy

FIA may request evidence from either party.

36. Chargebacks

A chargeback or payment dispute may be initiated through a Buyer’s card issuer, bank or other payment provider.

Where a chargeback occurs, transaction proceeds may be:

• withheld;

• reversed;

• debited;

• adjusted; or

• otherwise affected

under applicable payment-provider rules and Seller arrangements.

37. Seller Cooperation With Chargebacks

Sellers must reasonably cooperate with legitimate chargeback investigations and provide relevant information within requested timeframes where reasonably available.

Evidence may include:

• proof of delivery;

• service completion records;

• Buyer communications;

• order records;

• accepted scope;

• photographs;

• tracking information; or

• other transaction evidence.

38. Payment Provider Decisions

A bank, card network or payment provider may make a payment-related decision independently of FIA.

FIA cannot guarantee the outcome of:

• card disputes;

• bank disputes;

• payment-provider investigations; or

• chargeback processes controlled by third parties.

PART X — SELLER PAYOUTS AND ADJUSTMENTS

39. Seller Payout Eligibility

Independent Seller payouts are subject to the applicable Marketplace Seller Agreement and transaction status.

A transaction may need to satisfy relevant requirements before proceeds become payable.

The public Marketplace policies do not create an unconditional right to immediate payout.

40. Seller Payout Information

Sellers must maintain accurate payout information.

A payout may be delayed where:

• required payout information is missing;

• information cannot be verified;

• the payment account is invalid;

• fraud review is reasonably required;

• a transaction remains disputed;

• a payment has not settled;

• a legal restriction applies; or

• another legitimate payout restriction applies.

41. Seller Payout Adjustments

Amounts otherwise payable to an independent Seller may be adjusted for legitimate matters including:

• Marketplace fees;

• Affiliate Campaign Fees;

• refunds;

• partial refunds;

• chargebacks;

• reversals;

• credits;

• prior overpayments;

• transaction corrections;

• amounts validly owing; or

• other adjustments authorized by the applicable Seller arrangement or law.

42. Seller Negative Balances

Where valid adjustments exceed the Seller proceeds currently available, FIA may record a negative Seller balance or amount owing where permitted under the applicable Seller agreement and law.

Depending on the applicable arrangement, FIA may be permitted to recover the amount through:

• future Seller proceeds;

• future payouts;

• permitted offsets; or

• a request for repayment.

Detailed reserve, hold, recovery and risk mechanics belong in the applicable private Seller Agreement and FIA’s internal operating procedures.

43. Reserves and Holds

Where an applicable Seller Agreement lawfully permits a reserve or hold, FIA may apply it in accordance with the agreed terms and relevant circumstances.

FIA does not publish confidential internal fraud thresholds, reserve formulas or security-control rules in this public Policy.

PART XI — AFFILIATE COMMISSIONS

44. Affiliate Commission Is Separate From Seller Proceeds

Affiliate commission is not Seller revenue and does not make an Affiliate the Seller.

Affiliate compensation arises only under the applicable Affiliate Program Terms & Conditions.

A Vendor’s Affiliate Campaign Fee and an Affiliate’s actual commission are separate concepts.

45. 4% Base Commission

Every valid qualifying Affiliate-attributed sale of an eligible offer earns, subject to the applicable Affiliate terms:

4% Base Commission on Qualifying Sales

The 4% is not an unconditional or irreversible payment merely because an initial sale record exists.

Commission remains subject to matters such as:

• refund;

• cancellation;

• chargeback;

• reversal;

• fraud;

• attribution invalidation;

• transaction ineligibility; and

• other legitimate adjustments.

PART XII — TIER ELIGIBLE AFFILIATE COMMISSION

46. Tier Eligible Offers

Selected Affiliate Eligible offers may be designated:

Tier Eligible

Tier Eligible offers may be supplied by:

• Innovara Marketing Inc. as an identified first-party Marketplace Vendor; or

• an approved independent Marketplace Vendor.

47. Standard Affiliate Tiers

For each specific Tier Eligible offer, the standard final Affiliate rates are:

The 4% Base Commission is included within the final tier rate.

Therefore:

• 5% final commission = 4% base + 1% top-up;

• 10% final commission = 4% base + 6% top-up;

• 15% final commission = 4% base + 11% top-up.

The structure is not 4% plus another 5%, 10% or 15%.

48. Tiers Are Offer-Specific

Tier volume is ordinarily calculated separately for each specific Tier Eligible offer.

Different offers may not be combined merely to reach a higher tier.

This remains true:

• across unrelated Vendors; and

• across different offers from the same Vendor.

Different offers may be combined only where FIA expressly establishes an approved shared campaign or offer group.

PART XIII — EARLY 4% AFFILIATE WITHDRAWAL

49. Available Base Commission

Where FIA enables early Base Commission withdrawal functionality, an Affiliate may be able to withdraw an available 4% Base Commission before tier reconciliation.

Availability is determined under the applicable Affiliate transaction status and FIA system rules.

50. Effect of Early Withdrawal

If an Affiliate withdraws the available 4% Base Commission for a transaction:

• the transaction is locked at 4%;

• the transaction exits Tier Eligible treatment;

• it is removed from that specific offer’s tier-progress pool; and

• no later tier top-up is payable for that transaction.

51. Keeping the Transaction in the Tier

If the Affiliate does not withdraw the Base Commission early, the transaction may continue toward the applicable:

• 5%;

• 10%; or

• 15%

final tier rate if all Tier Finalization requirements are satisfied.

52. Whole-Transaction Treatment

The standard model treats early withdrawal at the transaction level.

FIA does not currently treat part of a single transaction’s Base Commission as withdrawn while leaving another part of that same transaction in the tier unless FIA expressly introduces such functionality later.

53. Affiliate Balance Terminology

Affiliate balances should be described using operational terms such as:

• Pending Commission;

• Available Base Commission;

• Tier Eligible Balance;

• Tier Progress;

• Finalized Commission;

• Negative Balance / Adjustments; and

• Payout.

These amounts should not be described as a bank account, trust account, escrow account or stored-value account merely because they appear in an FIA dashboard.

PART XIV — TIER FINALIZATION

54. When a Transaction Becomes Tier Finalized

A Tier Eligible transaction generally becomes Tier Finalized when:

1. qualifying Buyer payment has settled;

2. required delivery, service completion or an approved fulfilment milestone has occurred;

3. the applicable ordinary Buyer issue window has passed;

4. no material refund or dispute remains unresolved;

5. the Affiliate has not withdrawn the transaction’s 4% early; and

6. the transaction otherwise remains eligible.

55. Month Used for Tier Calculations

A Tier Eligible transaction counts toward Affiliate tier progress in the:

calendar month in which the transaction becomes Tier Finalized.

The initial order date does not by itself determine the tier month.

This prevents undelivered, unfinished or actively disputed transactions from artificially increasing monthly tier volume.

56. Longer-Running Services

For longer-running services, FIA may designate an approved commission-release or fulfilment milestone for the applicable offer rather than requiring an entire long-term engagement to be completed before commission treatment can progress.

Any such milestone should be defined as part of the applicable offer or campaign arrangement.

PART XV — AFFILIATE RECONCILIATION AND PAYOUTS

57. Month-End Reconciliation

After the applicable month closes, FIA may reconcile eligible Affiliate transactions to determine:

• which transactions became Tier Finalized;

• the qualifying sales amount for each specific Tier Eligible offer;

• the applicable final commission tier;

• Base Commission already withdrawn;

• required tier top-ups;

• refunds;

• reversals;

• chargebacks;

• ineligible transactions;

• negative balances; and

• the Affiliate’s approved finalized balance.

58. No Standard CAD $50 Minimum Payout

FIA does not apply a standard CAD $50 minimum Affiliate payout threshold under the current standard Affiliate model.

A valid finalized Affiliate balance is not carried forward solely because it is below CAD $50.

59. Finalized Affiliate Payout

After applicable reconciliation, FIA pays the Affiliate’s:

full approved finalized balance

to the Affiliate’s selected payout method or account.

Payment remains subject to legitimate matters such as:

• processing time;

• payment-provider limitations;

• banking limitations;

• incorrect or missing payout information;

• fraud review;

• legal restrictions;

• chargeback holds;

• valid negative balances; or

• other legitimate restrictions.

60. Affiliate Payout Information

Affiliates are responsible for maintaining accurate payout details.

FIA may delay a payout where reasonably necessary to resolve:

• missing information;

• invalid information;

• identity concerns;

• payout-account problems;

• legal restrictions;

• fraud concerns; or

• transaction adjustments.

PART XVI — AFFILIATE REFUNDS, REVERSALS AND CLAWBACKS

61. Commission Remains Connected to the Underlying Transaction

Affiliate commission depends on the continuing validity of the underlying qualifying transaction.

A commission may therefore be adjusted where the underlying transaction becomes legitimately:

• fully refunded;

• partially refunded;

• charged back;

• reversed;

• fraudulent;

• artificially generated;

• attribution-invalidated; or

• otherwise ineligible.

62. Full Refund

Where a qualifying transaction is fully refunded or otherwise fully reversed, up to:

100% of the Affiliate commission associated with that transaction

may be reversed or clawed back where appropriate under the applicable Affiliate terms.

63. Partial Refund

Where a transaction receives a valid partial refund:

• qualifying Affiliate sales volume may be recalculated using the retained qualifying amount; and

• Affiliate commission may be recalculated proportionally.

This adjustment may also affect the applicable tier calculation.

64. Clawback After Affiliate Payout

Affiliate commission does not become immune from correction merely because it has already been paid.

Where a valid adjustment arises after payout, FIA may create a:

Negative Affiliate Balance

representing the recoverable overpayment.

65. Recovery of Negative Affiliate Balances

Where permitted by applicable Affiliate terms and law, FIA may recover a valid negative Affiliate balance by:

• offsetting future Base Commission;

• offsetting future tier top-ups;

• offsetting future finalized commission;

• offsetting future payouts; or

• requesting repayment of a remaining recoverable overpayment.

66. Information About Affiliate Adjustments

Where FIA applies a commission adjustment or clawback, the Affiliate should receive reasonable information identifying the relevant transaction or adjustment.

FIA is not required to disclose confidential fraud-detection methods or internal security thresholds.

67. Fraud and Artificial Transactions

Affiliate commission is not payable on transactions created or manipulated for the purpose of improperly generating commission or tier volume.

Examples may include:

• fabricated purchases;

• sham transactions;

• coordinated false orders;

• self-dealing that violates program rules;

• artificial refund cycles;

• manipulation of attribution; or

• other ineligible activity.

Applicable consequences are governed by the Affiliate Program Terms & Conditions.

PART XVII — AFFILIATE ATTRIBUTION AND PAYMENT ELIGIBILITY

68. Attribution Requirement

Affiliate commission requires valid attribution.

The standard FIA model uses a:

24-hour protected referral window

and:

first-valid-click attribution

as further described in the Affiliate Tracking & Attribution Disclosure.

69. First-Sale Default

Unless an active offer expressly states otherwise, Affiliate commission is generally based on the first qualifying sale for the applicable customer/offer relationship.

Repeat purchases, renewals, recurring charges or later transactions do not automatically produce additional Affiliate commission.

70. Affiliate Versus Sales Contractor Compensation

FIA’s Affiliate program and FIA Freelancer/Independent Sales Contractor program are separate compensation systems.

A transaction does not automatically qualify for both:

• Affiliate commission; and

• Freelancer/Sales Contractor compensation.

Any permitted combination must be expressly authorized under FIA’s applicable compensation rules.

PART XVIII — REFUNDS AND AFFILIATE TIER EFFECTS

71. Refund Before Tier Finalization

Where a Tier Eligible transaction is refunded or materially adjusted before becoming Tier Finalized, the transaction may:

• be removed from tier progress;

• have its qualifying amount reduced;

• become ineligible; or

• otherwise be recalculated under the applicable Affiliate terms.

72. Refund After Tier Finalization

A later valid refund, reversal or chargeback may require a post-finalization adjustment.

FIA may recalculate:

• qualifying sales;

• commission;

• tier treatment; or

• amounts previously paid

where permitted by applicable Affiliate terms and law.

73. Tier Manipulation Is Prohibited

Buyers, Sellers and Affiliates must not coordinate:

• artificial sales;

• sham fulfilment;

• delayed refunds;

• fake completion;

• false Buyer confirmations; or

• other activity

for the purpose of improperly creating or preserving an Affiliate tier.

PART XIX — FIA DIRECT PRODUCTS AND SERVICES

74. FIA’s Own Services

In addition to independent Marketplace Seller transactions, Innovara Marketing Inc. may directly sell FIA products or services.

Applicable commercial terms may differ by product or service.

The applicable:

• offer description;

• proposal;

• order;

• service terms;

• accepted agreement; or

• checkout information

may specify the relevant billing, cancellation and refund rules.

75. Recurring or Ongoing Services

Where FIA or an approved Seller offers a recurring or ongoing paid service, material billing terms should be disclosed before the Buyer accepts the arrangement.

Where applicable, this may include:

• billing frequency;

• amount or pricing basis;

• renewal conditions;

• cancellation process;

• minimum term; and

• other material conditions.

A recurring payment should not be treated as authorized merely because a Buyer previously completed an unrelated one-time purchase.

PART XX — REFUND ABUSE AND FRAUD PREVENTION

76. Legitimate Reviews

FIA may review transactions for suspected:

• payment fraud;

• unauthorized payment;

• refund abuse;

• Seller fraud;

• Affiliate fraud;

• artificial transactions;

• chargeback abuse; or

• other serious transaction irregularities.

A review may temporarily affect:

• transaction processing;

• Seller proceeds;

• Affiliate commission;

• refunds;

• payouts; or

• account access

where permitted by applicable terms and law.

77. No Public Fraud Thresholds

FIA does not publish confidential:

• fraud-detection thresholds;

• internal risk scores;

• reserve formulas;

• investigation triggers; or

• security-control rules.

This helps preserve Marketplace security and fraud-prevention effectiveness.

PART XXI — RECORDS AND RECONCILIATION

78. Transaction Records

FIA may maintain records reasonably necessary to administer Marketplace and commercial transactions.

These may include:

• order ID;

• Buyer;

• Seller/provider;

• offer;

• price;

• discounts;

• taxes;

• mandatory charges;

• transaction total;

• payment status;

• refund status;

• fulfilment information;

• Affiliate attribution where applicable;

• commission status;

• payout status;

• accepted terms;

• timestamps; and

• transaction adjustments.

Information handling remains subject to FIA’s Privacy Policy.

79. Transaction Corrections

Where FIA identifies a genuine billing, payout, commission or transaction-record error, FIA may make a reasonable correction.

Where a correction materially affects money payable to or recoverable from a participant, FIA should provide appropriate transaction information explaining the adjustment.

PART XXII — TAX AND PLATFORM REPORTING

80. Seller Tax Information

FIA may request tax, identification and residency information from Marketplace Sellers where reasonably necessary for:

• transaction administration;

• tax treatment;

• legal compliance; or

• applicable digital-platform reporting.

Sellers are responsible for providing accurate information.

81. Digital Platform Reporting

Where Canadian digital-platform reporting rules apply to FIA or a Seller, Innovara may collect, verify, retain and report applicable Seller and transaction information as legally required.

These requirements are separate from the Seller’s own income-tax, GST/HST or other tax obligations.

82. No Tax Advice

Information provided through FIA regarding taxes or reporting is general operational information and is not individualized tax advice.

Sellers, Affiliates and Buyers should obtain independent professional advice where required.

PART XXIII — LIMITATIONS AND THIRD-PARTY PAYMENT SYSTEMS

83. External Payment Systems

Payment, refund and payout completion may depend on systems outside FIA’s direct control.

Examples include:

• banks;

• card issuers;

• card networks;

• payment processors;

• payout providers; and

• financial institutions.

FIA may initiate or approve an applicable transaction action without being able to control how quickly an external institution completes it.

84. Processing Delays

Processing times may vary because of:

• weekends;

• banking schedules;

• payment-method rules;

• identity verification;

• fraud review;

• payment-provider restrictions;

• cross-border processing; or

• technical issues.

FIA does not guarantee a specific external bank settlement time unless expressly stated.

PART XXIV — POLICY ENFORCEMENT

85. Amounts Owing

Where a Seller, Affiliate or other commercial participant legitimately owes an amount to FIA under accepted terms, FIA may exercise contractual recovery rights available under the applicable agreement and law.

These may include authorized offsets or repayment requests.

FIA will not use this Policy to create a recovery right that does not otherwise exist under the applicable agreement or law.

86. Suspension for Payment Issues

FIA may restrict payment-dependent functionality or Marketplace participation where reasonably necessary because of:

• unresolved payment failure;

• significant negative balance;

• suspected payment fraud;

• invalid payout information;

• repeated abusive chargebacks;

• unpaid amounts lawfully owing; or

• another material payment-related breach.

Any action remains subject to applicable agreements and law.

PART XXV — STATUTORY RIGHTS

87. Mandatory Consumer Rights

Nothing in this Policy is intended to exclude, limit or waive a Buyer right that cannot lawfully be excluded, limited or waived.

Where applicable law gives a Buyer a cancellation, refund, warranty or other remedy that provides greater protection than an FIA ordinary administrative window, the applicable legal requirement prevails.

88. Jurisdiction-Specific Rights

Consumer, payment and transaction rights may vary depending on:

• Buyer location;

• Seller location;

• product or service;

• transaction structure; and

• applicable law.

FIA’s ordinary Marketplace processes do not replace mandatory jurisdiction-specific legal rights.

PART XXVI — POLICY CHANGES

89. Updates to This Policy

Innovara Marketing Inc. may update this Policy to reflect changes in:

• Marketplace operations;

• payment infrastructure;

• Seller programs;

• Affiliate programs;

• commercial models;

• legal requirements;

• regulatory guidance; or

• risk controls.

The current page will identify its effective date and last-updated date.

90. Existing Transactions

A Policy update does not automatically rewrite a completed transaction or remove an accrued right where doing so would be inconsistent with:

• applicable accepted terms;

• contractual obligations; or

• applicable law.

Where updated acceptance is required for future participation, FIA may request it.

PART XXVII — CONTACT AND SUPPORT

91. Billing or Transaction Questions

Buyers, Sellers and Affiliates should use the appropriate FIA support process for questions relating to:

• payments;

• incorrect charges;

• refunds;

• payout adjustments;

• Seller proceeds;

• Affiliate commissions;

• transaction status; or

• Marketplace disputes.

92. Policy, Privacy or Legal Enquiries

Questions concerning this Policy or FIA’s broader legal and policy framework may be submitted through the Policy, Privacy & Legal Enquiry channel.

93. Reporting Fraud or Abuse

Suspected fraud, payment abuse, Marketplace manipulation or other prohibited activity may be reported through Report a Concern / Abuse.

94. Trust Centre

FIA’s broader public policy framework can be reviewed through the Trust Centre.

95. Final Interpretation

This Policy describes FIA’s public payment, billing, refund, Seller-payout and Affiliate-payout framework as of the effective date above.

The treatment of a particular transaction may also depend on:

• the Seller/provider;

• the applicable offer;

• accepted transaction terms;

• Marketplace Seller Agreement;

• Vendor Affiliate Campaign Schedule;

• Affiliate Program Terms;

• payment-provider rules; and

• applicable law.

Nothing in this Policy is intended to remove a legal right or obligation that cannot lawfully be excluded or waived.

End of Payment, Billing, Refund & Payout Policy — FIA-POL-009 — Version 1.1