Account Balance & Ledger Policy

Effective Date: 2026

Last Updated: 2026

This Account Balance & Ledger Policy explains how account balances, wallet balances, creator balances, pending earnings, transaction history, ledger entries, credits, debits, adjustments, reversals, refunds, chargebacks, payouts, promotional credits, payment holds, and balance corrections may work on Playflick.com, operated by Playflick™ Media .ltd.

This policy should be read together with our Terms of Service, Payments & Billing Terms, Wallet & Credits Terms, Creator Payout Policy, Creator Revenue Share Policy, Creator Monetisation Terms, Refund Policy, Tax Information Policy, Gift Cards, Promo Codes & Vouchers Policy, Donations, Tips & Supporter Payments Policy, and Account Suspension & Termination Policy.

1. Who We Are

Operator: Playflick™ Media .ltd

Website: https://playflick.com

Business Address:
41 Norman Avenue
London
N22 5ES
United Kingdom

Billing Support Email: hello@playflick.com
Contact Page: https://playflick.com/contact-us

2. Purpose of This Policy

Playflick may provide account balance, wallet, creator earnings, transaction history, or ledger features where available.

This policy explains:

How balances may be displayed
Why balances may be pending, estimated, adjusted, or corrected
How refunds, chargebacks, reversals, and fees may affect balances
How promotional credits may differ from cash balances
How creator balances may differ from payout amounts
How disputes and balance errors may be reviewed

3. No Guaranteed Balance Feature Availability

Account balance, wallet balance, creator balance, transaction history, statement, ledger, export, payout summary, and related features may not be available to every account, creator, country, currency, payment method, or product type.

Playflick may add, remove, restrict, redesign, suspend, or discontinue balance and ledger features at any time.

4. Types of Balances

Playflick may display different types of balances depending on account features.

These may include:

Wallet balance
Promotional credit balance
Gift card balance
Creator earnings balance
Pending payout balance
Available payout balance
Advertising account balance
Refund credit balance
Subscription credit balance where available
Marketplace or storefront balance where available

5. Displayed Balances May Be Estimated

Some balances, earnings, revenue shares, credits, rewards, or payout amounts may be estimated, delayed, incomplete, or subject to later adjustment.

Displayed amounts may change because of:

Refunds
Chargebacks
Failed payments
Payment-provider fees
Platform fees
Taxes or withholding
Currency conversion
Fraud checks
Invalid activity
Revenue corrections
Technical or reporting delays

6. Ledger Entries

Playflick may record transactions and balance movements as ledger entries where available.

Ledger entries may include:

Purchases
Wallet top-ups
Promotional credits
Gift card redemptions
Creator earnings
Supporter payments
Subscription payments
Paid content purchases
Marketplace transactions
Refunds
Chargebacks
Fees
Tax adjustments
Payouts
Manual corrections

7. Pending Amounts

Some amounts may appear as pending before they become available.

Amounts may remain pending because of:

Payment processing
Fraud review
Refund windows
Chargeback risk
Creator payout schedules
Tax verification
Identity or business verification
Rights or policy review
Minimum payout thresholds
Payment-provider settlement delays

8. Available Balance

An available balance may represent amounts that Playflick currently treats as available for the relevant use, such as purchases, wallet use, advertising spend, or payout, depending on the feature.

Available balance may still be subject to later correction, reversal, restriction, or hold where permitted by Playflick policies, payment-provider rules, or applicable law.

9. Creator Balance

Creator balance may include eligible creator earnings from monetisation, paid content, subscriptions, memberships, supporter payments, marketplace activity, or other creator tools where available.

Creator balance may not equal final payout because deductions or adjustments may apply.

Deductions or adjustments may include:

Platform fees
Payment-provider fees
Taxes or withholding
Refunds
Chargebacks
Fraud or invalid activity adjustments
Currency conversion
Payout provider fees
Manual corrections

10. Wallet Balance

Wallet balances may be used only for eligible Playflick purchases or features where wallet functionality is available.

Wallet balances may be subject to:

Country restrictions
Currency restrictions
Product restrictions
Expiry rules where applicable
Fraud checks
Refund rules
Account status restrictions
Wallet & Credits Terms

11. Promotional Credit Balance

Promotional credits may be different from paid wallet balances or cash.

Promotional credits may:

Expire
Be limited to certain products or features
Be non-transferable
Be non-refundable
Have no cash value unless required by law
Be removed if obtained through fraud or misuse
Be cancelled if an account is suspended or terminated

12. Advertising Balance

Advertiser balances, ad credits, campaign budgets, prepaid advertising balances, or promotional ad credits may be subject to advertising-specific rules.

Advertising balances may be affected by:

Campaign spend
Ad approval
Invalid traffic
Refunds
Billing adjustments
Promotional credit expiry
Currency conversion
Tax or invoicing rules
Account restrictions

13. Refunds and Balance Adjustments

Refunds may reduce, reverse, or adjust account balances, creator balances, wallet balances, promotional credits, advertising balances, or payout amounts.

Refunds may be issued to:

The original payment method
Wallet balance
Promotional credit
Account credit
Another method permitted by Playflick or the payment provider

Refund handling may depend on the product, payment method, payment provider, timing, fraud checks, and applicable law.

14. Chargebacks and Reversals

Chargebacks, payment reversals, failed payments, disputed payments, unauthorised payment claims, or payment-provider reversals may reduce or create negative balances.

Playflick may recover amounts connected to chargebacks or reversals by:

Reducing creator balances
Reducing wallet balances
Reducing future payouts
Applying account holds
Restricting paid features
Requesting repayment
Taking other permitted action

15. Negative Balances

An account may show a negative balance if amounts are reversed, refunded, disputed, corrected, charged back, or otherwise owed back to Playflick or a payment provider.

Negative balances may result from:

Refunds after creator earnings were credited
Chargebacks after payouts were calculated
Fraudulent payments
Invalid activity adjustments
Overpayments
Technical or ledger errors
Promotional credit misuse
Tax or fee corrections

Playflick may offset negative balances against future credits, earnings, payouts, refunds, or other amounts where permitted.

16. Holds and Restrictions

Playflick may place holds or restrictions on balances.

Holds may apply because of:

Fraud review
Chargeback risk
Refund review
Payment-provider review
Tax information issues
Payout verification issues
Sanctions or restricted-country concerns
Account compromise concerns
Rights disputes
Policy violations
Suspicious transaction patterns

17. Currency Conversion

Balances, transactions, payouts, refunds, and credits may involve currency conversion.

Currency conversion may be affected by:

Exchange rates
Payment-provider conversion rules
Bank fees
Platform settings
Country or region
Timing of transaction or payout
Refund or reversal timing

The amount displayed at one time may differ from the amount finally paid, refunded, or received.

18. Taxes, Withholding, and Reporting

Balances may be affected by taxes, withholding, reporting obligations, or tax documentation requirements.

Playflick may withhold amounts, request tax information, issue tax forms, or report payments where required by law.

Creators, sellers, advertisers, and users are responsible for their own tax obligations unless Playflick or a payment provider is legally required to handle them.

19. Balance Corrections

Playflick may correct balance errors, ledger errors, duplicate credits, missed debits, incorrect refunds, incorrect payouts, technical errors, or mistaken promotional credits.

Corrections may increase or decrease a balance.

Playflick may correct errors even if the incorrect balance was previously displayed in an account dashboard, wallet page, creator dashboard, statement, or email.

20. Transaction History and Statements

Playflick may provide transaction history, ledger records, payout summaries, invoices, receipts, statements, exports, or reports where available.

These records may be:

Delayed
Estimated
Corrected later
Limited by date range
Limited by account permissions
Unavailable after account deletion or feature changes
Different from third-party payment-provider records

21. User Responsibility to Review Records

Users, creators, advertisers, and sellers should review account balances, transaction history, receipts, payouts, refunds, and ledger records regularly.

If you believe there is an error, contact Playflick promptly with relevant information.

Delayed reporting may make it harder to investigate some balance or payment issues.

22. Balance Disputes

Users may contact Playflick about suspected balance errors, missing credits, incorrect debits, payout errors, refund errors, chargeback issues, or transaction history problems.

Playflick may review available account records, payment-provider records, ledger records, support records, fraud signals, and relevant technical logs.

Playflick does not guarantee that every disputed amount will be changed.

23. Information to Include in a Balance Dispute

If you contact Playflick about a balance or ledger issue, please include:

Your account email
Your username, channel, business, or advertiser name if relevant
The transaction date
The amount and currency
The transaction, receipt, invoice, payout, or order reference if available
A clear explanation of the issue
Any screenshots, receipts, bank records, or payment-provider records where helpful

Do not send passwords, full payment card numbers, bank passwords, or login codes.

24. Account Suspension or Termination

If an account is restricted, suspended, terminated, deleted, or involved in suspected fraud, Playflick may restrict access to balances, ledger records, payouts, wallet use, promotional credits, refunds, or payment features.

Playflick may withhold, reverse, offset, or refuse amounts connected to fraud, illegal activity, policy violations, chargebacks, sanctions, or payment abuse where permitted.

25. No Interest

Unless Playflick clearly states otherwise or applicable law requires otherwise, account balances, wallet balances, creator balances, pending balances, promotional credits, and held amounts do not earn interest.

26. No Bank Account

Playflick accounts, wallets, balances, credits, and creator dashboards are not bank accounts, deposit accounts, savings accounts, investment accounts, or insured financial accounts.

Balances may only be used or withdrawn according to the relevant Playflick feature rules, payment-provider rules, and applicable law.

27. Privacy and Data Retention

Playflick may process and retain balance records, ledger records, transaction history, wallet records, payout records, refund records, chargeback records, tax records, fraud signals, support messages, complaints, appeal records, and enforcement records.

These records may be retained for billing, tax, accounting, fraud prevention, payment disputes, legal compliance, support, moderation, appeals, audits, and platform integrity.

More information is available in our Privacy Policy, Data Retention Policy, and Evidence Preservation Policy.

28. Changes to This Policy

We may update this Account Balance & Ledger Policy from time to time.

Changes may reflect new wallet features, creator balance tools, payout systems, payment-provider rules, tax requirements, fraud controls, ledger systems, legal requirements, or platform updates.

Your continued use of Playflick balance, wallet, ledger, payout, or payment features after changes become effective means you agree to the updated policy.

29. Contact Us

For balance questions, ledger disputes, missing credits, payout concerns, refund issues, chargeback questions, appeal requests, or policy enquiries, contact:

Playflick™ Media .ltd
41 Norman Avenue
London
N22 5ES
United Kingdom

Billing Support Email: hello@playflick.com
Contact Page: https://playflick.com/contact-us
Website: https://playflick.com

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