Returns, Refunds & Cancellation Policy

This Returns, Refunds, and Cancellation Policy applies to all purchases, subscriptions, wallet recharges, and services accessed via The Speakesy Club platform, operated by Banyan Tree Entertainment.

1. Memberships and Subscriptions (Cancellations)

You may cancel your creator membership or subscription at any time through your account settings (Settings → My Memberships → Cancel).

• Cancellation Effect: Canceling stops future renewals. You will retain access to the membership content until the end of your currently paid billing period.
• No Prorated Refunds: We do not offer prorated refunds for canceled memberships. Once a billing cycle starts, that charge is final.

2. Refund Eligibility

Because The Speakesy Club provides digital goods, services, and live interactions, purchases are generally non-refundable. However, exceptions may be made under the following circumstances:

• Duplicate Charges: If you were accidentally charged twice for the same transaction due to a technical error.
• Service Failure: If you paid for a 1-on-1 call or a specific exclusive event, and the creator fails to fulfill the commitment (e.g., the creator does not show up for a scheduled call).
• Fraudulent Activity: If unauthorized transactions were made using your account (subject to investigation).

3. Wallet Recharges and Balances

Funds added to your Speakesy Club Wallet are intended to be used on the platform for memberships, pay-per-minute calls, and tipping.

• Wallet balances are generally non-refundable and cannot be withdrawn as cash.
• If you decide to delete your account, any remaining wallet balance will be forfeited, unless legally required otherwise.

4. How to Request a Refund

To request a refund for an eligible transaction, please contact our support team within 7 days of the transaction date.

Email: support@speakesy.club

Please include your registered email address, username, transaction ID, and the reason for the refund request. We aim to process and respond to all refund requests within 5-7 business days. Approved refunds will be credited back to the original payment method within 7-10 business days, depending on your bank.

5. Disputed Charges (Chargebacks)

If you initiate a chargeback with your bank or credit card company without contacting our support team first, your Speakesy Club account may be immediately suspended pending review. We encourage you to reach out to us to resolve any payment issues directly.