This Payment, Fees & Tax Policy (“Policy”) sets out the terms and conditions under which Codoser.com (“Codoser,” “we,” “our,” “us”) handles payments, commissions, fees, currency conversions, billing, and taxation for buyers, authors, affiliates, and other users.
Codoser operates as a digital product marketplace and facilitates transactions between authors and buyers while collecting applicable platform fees and taxes as required by law. This Policy ensures transparency, compliance with tax regulations, and fair distribution of revenue.
1. Scope of the Policy
1.1 This Policy applies to:
2. Role of Codoser
2.1 Codoser acts as a transaction facilitator between buyers and authors.
2.2 While products are created by authors, payments are collected by Codoser, which deducts applicable fees and taxes before releasing payouts.
2.3 Codoser is not a bank or financial institution but works with regulated payment service providers.
3. Accepted Payment Methods
3.1 Buyers may pay for products using approved payment methods, including but not limited to:
4. Payment Gateway Partners
4.1 Codoser integrates with regulated third-party payment gateways and processors to collect payments.
4.2 Transactions are encrypted using SSL/TLS protocols to ensure data security.
4.3 Buyers agree to comply with the terms of the relevant payment gateway when making payments.
5. Currency and Exchange Rates
5.1 Codoser supports multiple currencies for buyer convenience.
5.2 Product prices are set primarily in INR (Indian Rupees) or USD, and converted where required using exchange rates determined by payment gateways or financial institutions.
5.3 Buyers are responsible for any conversion fees imposed by their bank or card provider.
6. Price Display and Transparency
6.1 All product prices are displayed on product pages, inclusive or exclusive of taxes depending on the buyer’s jurisdiction.
6.2 Codoser ensures transparent pricing without hidden charges at checkout.
6.3 Final payable amounts include product price, platform fees (if applicable), and applicable taxes.
7. Platform Fees for Buyers
7.1 Codoser may charge transaction or handling fees to buyers in addition to product price.
7.2 These fees cover payment processing, platform operations, and security infrastructure.
7.3 All applicable fees are displayed before checkout.
8. Platform Commission from Authors
8.1 Codoser charges a commission on each sale made by authors.
8.2 Commission rates depend on factors such as author level, exclusivity, and product category.
8.3 Commission is deducted automatically before author payouts.
9. Author Payout Schedule
9.1 Author earnings (after commission and taxes) are credited to their Codoser wallet.
9.2 Payouts are released on a regular schedule (e.g., monthly or bi-weekly), subject to clearance periods and AML checks.
9.3 Minimum payout thresholds apply; balances below the threshold roll over to the next cycle.
10. Affiliate Commission Payments
10.1 Affiliates earn a percentage of the sale amount for referred purchases.
10.2 Commission rates and eligibility are defined in the Affiliate Policy.
10.3 Affiliate payouts follow a similar schedule to author payouts, subject to verification.
11. Transaction Confirmation
11.1 Buyers receive an order confirmation email and dashboard receipt after successful payment.
11.2 Authors are notified of successful sales, with sale details logged in their account.
11.3 Confirmation serves as proof of transaction for both parties.
12. Failed Payments
12.1 If a payment fails, the order is not processed.
12.2 Buyers may retry payment using another method or contact support.
12.3 Failed payments may temporarily lock digital goods until successful payment is confirmed.
13. Duplicate Payments
13.1 In cases of accidental duplicate payments, users must notify support within 7 days.
13.2 Verified duplicates are refunded or adjusted against future purchases/payouts.
14. Refund Processing
14.1 Refunds, where applicable, are processed according to the Refund & Cancellation Policy.
14.2 Refunds are credited back to the original payment method wherever possible.
14.3 Refund timelines vary depending on the payment provider, usually within 7–14 business days.
15. Chargebacks
15.1 Buyers may raise chargebacks through their banks or card issuers.
15.2 Fraudulent or unwarranted chargebacks may result in account suspension, reversal of licenses, and legal action.
15.3 Authors affected by chargebacks may have related earnings reversed.
16. Taxes — General Principles
16.1 Codoser complies with local and international tax laws, including:
17. Taxes on Buyer Purchases
17.1 Buyers are responsible for paying any applicable taxes on purchases, which may include:
18. Taxes on Author Earnings
18.1 Authors may be subject to withholding tax, GST, or other local taxes depending on their jurisdiction.
18.2 Codoser may deduct taxes at source (TDS) for Indian authors in compliance with the Income Tax Act.
18.3 Authors are responsible for declaring their income and fulfilling local tax obligations.
19. Taxes on Affiliate Earnings
19.1 Affiliates are responsible for tax compliance in their jurisdiction.
19.2 Codoser may withhold taxes where required by law (e.g., TDS for Indian affiliates).
19.3 Tax documentation may be required before payouts.
20. Tax Invoicing
20.1 Buyers receive tax invoices after successful payment, containing:
21. Cross-Border Transactions
21.1 Cross-border sales may be subject to import VAT, GST, or withholding taxes depending on buyer location.
21.2 Buyers are responsible for any local tax obligations not collected at checkout.
21.3 Authors should consult tax professionals regarding cross-border income reporting.
22. Currency Conversion Fees
22.1 Payments involving currency conversion may incur conversion fees, determined by payment processors or banks.
22.2 Codoser does not control or profit from these fees.
22.3 The converted amount displayed at checkout is indicative; final charged amounts may vary slightly due to bank rates.
23. Promotional Pricing and Discounts
23.1 Codoser or authors may offer discounts or coupons.
23.2 Taxes are calculated on the discounted price, not the original price, unless otherwise required by law.
23.3 Promotional discounts do not affect tax obligations or commission calculations.
24. Payout Delays
24.1 Payouts may be delayed due to:
25. Negative Balances
25.1 Author or affiliate accounts may enter negative balance due to chargebacks, refunds, or penalties.
25.2 Future earnings may be adjusted to clear negative balances.
26. Disputed Payments
26.1 Disputes regarding payments must be raised within 30 days of the transaction date.
26.2 Disputes are handled under the Dispute Resolution Policy, with evidence required from both parties.
27. Payment Freezing
27.1 Payments or payouts may be temporarily frozen in cases of:
28. Minimum and Maximum Transaction Limits
28.1 Codoser may set minimum and maximum transaction amounts for security and compliance.
28.2 Limits may vary depending on user verification level and jurisdiction.
29. Regulatory Reporting
29.1 Codoser complies with financial reporting obligations under Indian and international laws.
29.2 Significant transactions may be reported to tax authorities, FIUs, or regulators as required.
30. Data Security in Financial Transactions
30.1 All payment data is transmitted using secure encryption protocols.
30.2 Codoser is PCI DSS compliant where applicable, and does not store sensitive card information.
30.3 Unauthorized payment activities will be investigated promptly.
Excellent ✅
Here is Part 2 (Clauses 31–60) of the Payment, Fees & Tax Policy — Codoser.com, continuing in plain text, Envato-style, with full commercial and international compliance depth:
31. Fraud Prevention and Payment Security
31.1 Codoser actively monitors transactions for suspicious or fraudulent payment activities.
31.2 This includes detection of stolen credit cards, unauthorized payments, repeated chargebacks, or abnormal patterns.
31.3 Suspected fraudulent transactions may be blocked, reversed, or reported to authorities.
32. AML/KYC Integration
32.1 All payments and payouts are subject to Codoser’s KYC / AML Policy.
32.2 Users may be required to complete identity verification before high-value transactions or withdrawals.
32.3 Non-compliance with KYC/AML procedures may result in delayed or cancelled transactions.
33. Payment Processor Fees
33.1 Some payment methods may incur processor-specific fees, which are either:
34. Commission Changes
34.1 Codoser reserves the right to adjust platform commission rates with prior notice to authors and affiliates.
34.2 Changes will not affect completed transactions but will apply to future sales.
35. Subscription Payments (If Applicable)
35.1 For products or services sold on a subscription basis, buyers authorize recurring charges through their selected payment method.
35.2 Subscription payments continue until cancelled in accordance with the Refund & Cancellation Policy.
35.3 Missed or failed subscription payments may lead to service suspension.
36. Handling Payment Disruptions
36.1 If a payment gateway experiences downtime or disruptions, Codoser may temporarily suspend new transactions.
36.2 Existing orders may be delayed, and users will be informed of the situation and expected restoration timelines.
37. Author and Affiliate Responsibility for Taxes
37.1 Authors and affiliates are responsible for accurately reporting and paying taxes on their earnings in their jurisdiction.
37.2 Codoser provides reports but does not offer individual tax advice.
37.3 Users should consult qualified tax professionals.
38. Withholding Tax and TDS (India)
38.1 For Indian authors and affiliates, Codoser complies with TDS (Tax Deducted at Source) provisions under the Income Tax Act.
38.2 TDS certificates will be provided periodically for tax filings.
38.3 Non-Indian users may be subject to withholding tax under applicable tax treaties.
39. GST Compliance (India)
39.1 Codoser is registered under Indian GST law.
39.2 GST is applied to relevant transactions and collected either from buyers or authors depending on the transaction type.
39.3 GST invoices include Codoser’s GSTIN and comply with Indian invoicing rules.
40. VAT and Sales Tax (International)
40.1 For EU/UK buyers, VAT is collected based on the buyer’s location in accordance with EU VAT rules.
40.2 For U.S. buyers, applicable state sales taxes are calculated and collected where required by law.
40.3 VAT-inclusive pricing may be displayed depending on regional legal obligations.
41. Tax Exemptions and Reverse Charge
41.1 Certain transactions may qualify for tax exemptions or reverse charge mechanisms under applicable tax treaties.
41.2 Buyers or authors must provide valid tax exemption certificates to avail such benefits.
41.3 Fraudulent tax exemption claims are subject to legal penalties.
42. Documentation for Tax Filings
42.1 Codoser provides downloadable tax reports and invoices for authors and affiliates to support their local tax filings.
42.2 Reports include gross earnings, platform fees, taxes withheld, and net payouts.
43. Refund Impact on Taxes and Fees
43.1 In case of refunds, associated taxes and platform fees are adjusted according to applicable tax regulations.
43.2 Refunds do not reverse processor fees already incurred unless recovered from the gateway.
44. Financial Dispute Resolution
44.1 Financial disputes between buyers and authors (e.g., price discrepancies, non-receipt) are handled under the Dispute Resolution Policy.
44.2 Codoser may mediate but does not guarantee outcomes unless legally required.
45. Payout Freezing for Legal or Regulatory Reasons
45.1 Payouts to authors or affiliates may be frozen if required by:
46. Dormant Balances
46.1 Balances in author or affiliate accounts that remain unclaimed for over 12 months may be classified as dormant.
46.2 Dormant balances may be subject to administrative charges or escheatment under applicable laws.
47. Multi-Currency Payouts
47.1 Authors and affiliates may receive payouts in different currencies depending on their country and payment method.
47.2 Conversion rates applied are those provided by payment processors, and conversion fees may apply.
48. Settlement Timelines
48.1 Settlement timelines for payouts vary depending on payment method, AML checks, and banking holidays.
48.2 Standard settlement takes 5–10 business days after the payout is initiated.
49. Reconciliation and Reporting
49.1 Codoser conducts regular financial reconciliations to ensure accuracy of all transactions, fees, and taxes.
49.2 Users can view detailed transaction histories in their dashboards.
50. Errors and Adjustments
50.1 If a payment error (e.g., overcharge, underpayment) is discovered, Codoser will promptly correct it.
50.2 Adjustments may be made through refunds, additional charges, or payout corrections as appropriate.
51. No Cash Transactions
51.1 All transactions on Codoser are conducted through digital payment channels only.
51.2 Cash payments, money orders, or other offline methods are not accepted for compliance and security reasons.
52. User Responsibility for Payment Information
52.1 Users must ensure that their payment and payout information (e.g., card details, bank accounts, PayPal IDs) is accurate and up to date.
52.2 Incorrect information may lead to failed transactions or delays for which Codoser is not responsible.
53. Prohibition on Payment Manipulation
53.1 Users are prohibited from manipulating prices, inflating sales artificially, or engaging in payment fraud.
53.2 Violations may result in account suspension, reversal of earnings, and legal action.
54. Platform’s Right to Offset
54.1 Codoser reserves the right to offset any amounts owed by users (e.g., refunds, chargebacks, penalties) against their account balances or future payouts.
55. Integration with Other Policies
55.1 This Policy must be read in conjunction with:
56. Non-Waiver
56.1 Failure by Codoser to enforce any clause in this Policy shall not be construed as a waiver of its right to enforce the same or any other clause in the future.
57. Severability
57.1 If any clause of this Policy is found to be invalid or unenforceable by law, the remainder of the Policy shall remain in full force and effect.
57.2 Invalid clauses will be replaced with legally valid terms closest in intent.
58. Governing Law and Jurisdiction
58.1 This Policy is governed by Indian laws, including GST, Income Tax Act, and applicable international tax frameworks (EU VAT, U.S. sales tax, etc.).
58.2 Jurisdiction for financial disputes follows the Terms of Use and Dispute Resolution Policy.
59. Policy Updates
59.1 Codoser may modify or update this Policy at any time to comply with regulatory changes, improve operational efficiency, or enhance transparency.
59.2 Updated versions are published on the platform, and users are responsible for reviewing them periodically.
60. User Acknowledgment
60.1 By using Codoser, users acknowledge that they have read, understood, and agreed to this Payment, Fees & Tax Policy.
60.2 Compliance with this Policy is mandatory for all buyers, authors, and affiliates.
