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Signyd Payments and Refunds Policy

Last updated: October 26, 2026 This policy describes how Villaces Inc. (“Signyd”, “we”, “us” or “our”) charges for the Signyd Service, how cancellations work, and when money is returned. It applies to every payment made for Signyd through any payment method or payment gateway we enable (cards, wallets, account-to-account, or similar). It supplements our Terms and Conditions. If this policy and the Terms conflict on fees or refunds, this policy controls unless a signed enterprise order says otherwise. This page is our public merchant refund and billing disclosure for payment networks, acquirers and gateways. It is not tax, accounting or legal advice.

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1. Merchant and contact

• Merchant of record: Villaces Inc., 4800 Fort Stevens St., Apt 703, Orlando, FL 32822, USA
• Service: Signyd at app.signyd.com and related checkout pages (/checkout, /choose-plan, /buy/[slug])
• Billing and duplicate-charge requests: support@signyd.com
• Legal: legal@villaces.com

Only workspace owners and admins may subscribe, add a payment method or buy credits. Members cannot pay.

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2. What you are buying

Signyd is business software delivered digitally. Fees may include:

• subscription plans (monthly or annual)
• signing credits and identity-verification credits
• extra seats and storage
• trials that convert to a paid plan
• taxes, duties or levies shown at checkout

Delivery is electronic. Access, plan entitlements and credits activate when the payment processor confirms a successful charge. There is no physical shipment, no installation media and no right to a “return of goods.” Prices are shown in USD unless we state another currency at checkout. Foreign-exchange conversion, issuer fees and cross-border card fees are charged by your bank or wallet, not by Signyd, and are not refundable.

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3. Authorization and processors

You authorize Signyd and its payment processors and gateways to charge the payment method you provide for the amounts due, including recurring subscription fees, add-on purchases, taxes and retries of failed payments. We do not store full card numbers. Card and wallet data is handled by the processor under its PCI DSS (or equivalent) program. The processor may require Strong Customer Authentication (for example 3-D Secure), AVS, CVV, device checks or similar. A declined, expired or challenged payment is not a completed purchase. Your statement or wallet may show a descriptor such as Signyd or Villaces. Keep receipts from Settings → Billing.

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4. Recurring billing and cancellation

Subscriptions renew automatically for the same interval (monthly or annual) until you cancel.

• Cancel from Settings → Billing (or the processor customer portal we provide) before the next renewal.
• Cancellation stops future renewals. It does not reverse charges already captured.
• We do not prorate unused time, unused credits, unused seats or unused storage.
• Included monthly credits expire at period end and do not roll over, unless your plan says otherwise.
• Purchased credit packs expire as stated at purchase (90 days unless we display a different period).
• If payment fails, we may retry, restrict sending or storage, and suspend the workspace until the invoice is paid.

Changing plan or interval takes effect according to the checkout or billing screen. Downgrades do not generate a refund for the current period.

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5. No refunds

All fees are non-refundable, including subscription fees, credit packs, seats, storage, taxes collected, and amounts paid during a trial conversion. We do not refund because:

• you cancelled mid-period
• you did not use credits, seats or storage
• a Signer declined, delayed, or did not sign
• an identity check failed or was not completed
• you sent a document in error
• you changed your mind or selected the wrong plan
• a coupon was unused or expired
• your card issuer charged FX or cash-advance fees
• you dispute the legal effect of a signature

The only refund we issue in the ordinary course is a duplicate payment, as defined below. Where a payment network, acquirer, or mandatory law requires a refund or charge reversal, we will comply with that requirement and nothing else in this policy expands that duty.

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6. Duplicate payments (the sole ordinary exception)

A duplicate payment is a second successful capture of the same amount, for the same Signyd order, invoice, credit pack or subscription period, against the same Customer, caused by:

• a processor or gateway retry after the first capture already succeeded
• a double submit of the same checkout that created two captures for one intended purchase
• our error charging the same invoice twice

It is not a duplicate if you:

• bought two packs or two periods on purpose
• paid an invoice and separately bought add-ons
• upgraded, renewed, or bought after a failed payment then a successful retry of a different open amount
• used two different workspaces or two email accounts

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How to request a duplicate-payment refund

1. Email support@signyd.com from the workspace admin or owner address within 30 days of the extra capture (or sooner if your statement posts later).
2. Include: organization name, approximate time (UTC), amount, currency, last four digits or wallet reference, processor receipt IDs if you have them, and a short explanation.
3. We compare our records and the processor’s. If we confirm a duplicate, we refund only the extra capture to the original payment method. We do not send cash, credits in lieu, or a different card unless the processor cannot reverse to the source method.
4. Processing time depends on the gateway and your issuer (often several business days after we submit the refund).

We may refuse a request that is incomplete, late, or not a duplicate under this section.

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7. Chargebacks and disputes

Contact support@signyd.com before you open a chargeback. Most billing questions, including duplicates, are resolved faster as a merchant refund. If you file a dispute with your issuer:

• we (and the processor) will submit evidence: checkout logs, IP, authentication, invoice, digital delivery, this policy, and Terms
• opening a chargeback for a charge that is not unauthorized or duplicate may lead us to suspend the Account until the dispute is closed
• a chargeback does not entitle you to keep using paid entitlements without paying
• we may recover network fees where the scheme and law allow

Unauthorized use of a payment method should be reported to us and to your issuer immediately.

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8. Taxes

Fees are exclusive of taxes unless checkout shows a tax line. You are responsible for VAT, GST, sales tax and similar, except taxes on our net income. Where we are required to collect tax, the processor or our tax provider calculates it at payment. Tax remitted to an authority is not refundable except as part of a confirmed duplicate-payment reversal or as that authority requires.

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9. Trials, coupons and guest checkout

Trials, coupons and public plan links (/buy/[slug]) are subject to the terms shown at checkout. Unused trial time is not paid out. Guest checkout that creates a workspace is still a purchase of digital Service under this policy.

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10. Fraud, sanctions and prohibited use

We and our processors may decline, freeze or reverse a payment to meet anti-money-laundering, sanctions, fraud and card-scheme rules. We are not obliged to complete a purchase that fails those checks. A reversal initiated for fraud or legal compliance is not a “refund for convenience.”

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11. Records

We keep billing records for the period required by tax, accounting, processor and card-scheme rules. You can download receipts while the Account is active. After closure, request copies from support@signyd.com where we still hold them.

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12. Changes

We may update this policy. The date at the top is the latest revision. Material changes to how we charge or refund will be announced to Customers (email or in-app) before they apply to a future charge. The policy in force when a payment was captured applies to that payment.

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13. Contact

Duplicate charges and invoices: support@signyd.com
Legal: legal@villaces.com Villaces Inc.