Payment Policy

Who sends a refund, and what happens to Reader earnings?

Star of Danu processes customer refunds. Readers do not send money directly to customers or arrange off-platform repayments. A payment made by card is refunded through the original payment method. A reading paid from My Balance is refunded to My Balance. Promotional value has no cash refund value.

When a payment is refunded, the reading's earnings are recalculated from the money remaining after the refund and applicable actual processing and communication fees. The remaining net earnings are split 70% to the Reader and 30% to Star of Danu. A full refund leaves no Reader earnings or Star of Danu earnings from that refunded payment. Fees that cannot be covered by the retained payment are borne by Star of Danu.

Before payout, the Reader's unpaid earnings are adjusted in the account ledger. If a payout has already been allocated or transferred, the refund and any permitted recovery require administrator review under the accepted Reader Agreement and applicable requirements. The Dispute Resolution Center does not automatically reverse a transferred payout or debit a Reader's bank account. The Reader receives a recorded explanation of a case decision and may use the private case response or appeal process.

When refunds happen

• A Reader does not connect or show up: qualifying unstarted paid sessions receive an automatic full refund through the connection-failure workflow. Customers do not need to file a dispute to obtain that automatic refund.
• Advance customer cancellation: cancel at least 24 hours before the scheduled appointment for a full refund. Later cancellation requests require review under the booking terms.
• A completed reading has a service problem: Star of Danu reviews the session records and both parties' accounts, records an evidence-based decision, and may approve a full refund, partial refund or no refund for the documented affected service. A report alone is not a finding of fault.
• A customer leaves a connected reading early: If you choose to leave a connected reading early, your payment is not refundable. Voluntarily ending your reading early does not qualify for a refund.
• A customer misses an appointment: for phone, text and video readings, when the reader meets the required attendance checks, the lowest priced session offered by that reader at booking is retained, capped at the customer’s payment, and the remainder is refunded. Phone clients receive three call attempts; text and video clients have five minutes after the scheduled start to join. Reader absence or a verified connection failure qualifies for a full refund. Unverified attendance requires review.

Buying additional time may help explain the timeline; it is not, by itself, proof that no problem occurred or an automatic reason to deny a refund. Disappointment with a prediction or interpretation does not qualify for a refund. Payment-provider pending or failed refunds remain tracked for follow-up; a pending refund is not a completed refund.

Customer credit — for future readings

A customer credit is an optional credit added to your My Balance for future Sacred Reader readings. It is not a refund to your credit card or bank account. We offer it only after you agree to the exact amount and understand how it can be used.

Customer credits do not have an expiry date in the current wallet feature. They cannot be transferred or withdrawn as cash except where required by law. Purchased balance funds and customer courtesy credits are recorded separately in your Balance Activity.

Choosing a customer credit does not remove any non-waivable rights or replace a refund due under our existing policy. Card refunds return to the original payment method; refunds of readings paid from My Balance return to My Balance. An optional courtesy customer credit is funded by Star of Danu and does not reduce the reader’s earnings from the original reading.

Payments & tax update

This addendum forms part of the Reader Agreement when accepted in Reader Studio. Existing signed documents are retained.

1. Who provides the reading

You are the independent provider of your readings. Star of Danu LLC operates the marketplace and collects customer payments for your sessions on your behalf. You set your session rates and schedule under the Reader Agreement and applicable marketplace rules.

2. Our obligation to pay you

Star of Danu is obligated to settle and pay your earnings for completed paid sessions, subject to the itemized fees, refunds, disputes, lawful withholding and specific holds described below and in your Reader Agreement. We deduct actual attributable third-party payment-processing and communication costs. The remaining Net Reading Revenue is split 70% to you and 30% to Star of Danu. Extensions follow the same calculation. This addendum does not change that split.

3. When you are paid

The workweek runs Monday through Sunday in Eastern Time. Earnings eligible for release are scheduled for the second Monday after that Sunday, leaving one full intervening week for reconciliation. For example, work performed Monday October 19 through Sunday October 25, 2026 is scheduled for release Monday November 2, 2026. A release to your connected Stripe account is not a guarantee that your bank receives the deposit that day. Stripe processing, bank holidays and banking requirements can affect arrival.

4. If part of a payment needs review

A hold is limited to the documented amount associated with an affected session or another specifically identified lawful obligation. A refund, chargeback, suspected fraud, processing restriction, legal requirement, or verifiable fee adjustment may justify review of that amount. Star of Danu will identify the affected session, amount, and reason in Reader Studio or by written notice as permitted by law, and will release verified amounts when the hold no longer applies and the earnings become eligible for release. Other verified, undisputed earnings remain eligible for the normal payout cycle unless a separate lawful account or processor restriction applies. A platform funding shortage does not eliminate Star of Danu’s payment obligation.

5. Refunds and disputes

Star of Danu handles customer refunds and disputes under its published policies. Full refunds leave no earnings from that payment; partial refunds recalculate earnings on the retained net payment after actual attributable direct fees, using the agreed 70/30 split. Fees not covered by retained funds are borne by Star of Danu. Any adjustment after earnings have been transferred requires administrator review and an itemized written notice identifying the affected session, supported amount, and reason, with a reasonable opportunity for the reader to contest the proposed recovery. Lawful recovery may be pursued by invoice or by a previously authorized and properly disclosed adjustment to future eligible payments, limited to the supported amount. We do not unilaterally debit the reader’s external bank account. No double recovery is permitted. Nothing here authorizes recovery of Star of Danu-funded goodwill credits from reader earnings.

6. Your tax records and Form 1099-K

Star of Danu is responsible for the applicable marketplace payment information reporting for these transactions and intends to issue Form 1099-K through Stripe where required. The gross payment amount may be the full amount customers paid for your sessions before fees, commission, credits or refunds. It is not your bank deposit or your taxable profit. Your annual breakdown separates gross payments, refunds, direct fees, the business share and recorded reader earnings. Your tax preparer determines the treatment of deductions and any adjustments. We do not also report the same settlement payments on Form 1099-NEC. Other payments, if any, are reviewed separately.

7. Keep your secure tax details current

Provide and maintain accurate legal name, tax identification information, address and required certifications through the secure Stripe workflow. Never send your SSN or full tax ID through ordinary email or Reader Studio messages. Complete Stripe requests promptly. Withholding will be applied when legally required. You remain responsible for your own federal, state and self-employment tax obligations. A reporting threshold does not make otherwise taxable earnings tax-free. Electronic delivery is available subject to your consent; request paper delivery through the available Stripe or Star of Danu process.

8. How this addendum works

This Payments & Tax Addendum becomes part of your Reader Agreement when you electronically accept it. It controls if an earlier payment or tax-reporting provision conflicts with it; other accepted terms remain in effect. Your original signed agreement and earlier records are preserved. Reader Studio records this addendum's version, your electronic signature and acceptance time, and provides a completed copy.