Corply Billing & Refund Policy

1 · What You Pay

Before payment details are entered, checkout shows an itemized U.S.-dollar receipt and the exact amount due today.

• Formation: the Delaware filing and bundled formation-service amount, and one managed 83(b) charge for each founder receiving that service. Discounts and amendment credits appear as separate receipt lines.
• Required company plan: one flat monthly or annual price that includes registered-agent service, Corply's annual-report and franchise-tax filing service, a virtual physical mailbox and a business phone number. Corply no longer sells company domains or work email. Previously accepted plans, including their domain and legacy email commitments, retain their recorded terms and charges; this retirement does not cancel them or move their messages. The price is the same whether or not the company sets up each included service, and no service can be removed to lower it. The receipt states the monthly or annual cadence and the plan price.
• The first company-plan period is mandatory for a new formation. It is paid in the same checkout as formation and is never duplicated inside the formation amount.
• An annual plan costs less than twelve monthly payments; checkout shows both prices. Government charges are not discounted.
• Delaware government charge: one separate annual card charge around February 1 for the actual $50 annual-report fee plus the actual Delaware franchise tax calculated from the company's certified facts under Delaware's applicable method, less credits or prior state payments. It excludes penalties, interest, amendments, expedited fees, and Corply fees.
• An immediate service addition uses a separate, exact, prorated checkout. Corply provisions it only after settlement, and it joins the unified plan at the next renewal. Cadence changes take effect at the next renewal without a partial refund.
• Grandfathered orders keep the prices, renewal modes, and authorizations shown when they were accepted until the company accepts a new unified-plan quote and authorization.

2 · Company-Plan Renewal

Every new formation chooses monthly or annual billing. The plan cannot be removed from the initial formation checkout and renews automatically until cancellation.

Monthly renewals use the settlement day of the month, clamped to the last day in shorter months. Annual renewals use the settlement anniversary. When an annual anniversary would fall from January 16 through March 31, the paid term is extended and that renewal and later annual renewals move to April 1.

The checkout, receipt, and Settings → Billing show the plan amount, cadence, selected services, next charge date, and masked payment method.

Registered-agent service is part of the plan. If it is cancelled, the company must appoint a replacement registered agent before coverage ends.

3 · Plan Changes and Grandfathered Billing

A company billing manager can use Settings → Billing to change cadence for the next renewal, cancel future renewals, request an optional-service change, or open a secure payment-method page. Changes never rewrite an already-created payment attempt.

Some historical accounts chose first-year-only service, approval before each renewal, automatic annual renewal, or tax-date renewal. Corply continues to service those recorded choices under their original authorization. Corply does not silently migrate them to the unified plan.

A historical account moves to monthly or annual unified billing only after a billing manager accepts a fresh quote and the applicable authorization. Silence or continued use is never migration consent.

4 · Payment Methods and Billing Accounts

Corply accepts the methods displayed at checkout. Corply's own charges are processed by Stripe under Stripe's terms. Some grandfathered accounts are billed through Corply Pay, where Finix processes cards and Payabli processes U.S. bank debits.

Payment details are entered only in the processor's secure fields or secure page. Corply never receives or stores full card numbers, card security codes, full bank-account numbers, or bank-login credentials. Corply stores processor references and display-safe details such as method type, brand or bank name, expiration, and last four digits.

Corply Tax v1 is card-only. The formation checkout assigns its card to both plan renewal and Delaware tax when the tax grant is accepted. A billing manager may later assign one card to both purposes or use separate cards.

The new cardholder must personally complete the secure replacement page and accept the authorization that applies. Corply verifies and authorizes a replacement before atomically changing the assignment. The only method assigned to an active grant cannot be removed until a replacement is assigned or that grant is cancelled or revoked.

Never send card numbers or bank credentials through an AI agent, chat, support message, log, or ordinary Corply form.

5 · Charge Authorization

The unchecked checkout box records distinct, versioned grants authorizing 0Lumen Labs Corp. d/b/a Corply, through its payment processor, to perform only the transactions described next. Each grant records the exact text, policy and consent versions, time, cardholder, quote fingerprint, and authorization hash.

• Today's payment: the exact formation amount plus the exact first monthly or annual plan period shown on the receipt.
• Plan renewal: the displayed plan amount every month or year, beginning on the displayed renewal date and continuing until cancellation.
• Saved method: storage and use of the payment method for the accepted plan-renewal grant and any other grant accepted in the same checkout.
• Annual Delaware government charge: if you accept this separately recorded grant, one charge each year around February 1 for the actual $50 annual-report fee and the actual Delaware franchise tax calculated from the company's certified facts under Delaware's applicable method, less credits or prior state payments. The amount can change because Delaware sets the fee and tax and the calculation depends on the company's facts. Penalties, interest, amendments, expedited fees, and additional Corply fees require a separate exact authorization.
• At least 10 days before an ordinary annual charge, Corply sends the exact amount and breakdown, the calculation inputs and reporting year, the scheduled date, and the card brand and last four digits. The notice links to Settings → Billing, where a billing manager can replace the card or revoke future tax charges before initiation. A formula-produced amount change does not expand the grant; a change in purpose or frequency requires new consent.
• A separately approved amendment, immediate service addition, penalty, interest charge, expedited fee, or other out-of-scope amount is authorized only by the exact checkout that displays it.

The applicable grants can be revoked independently for future, uninitiated charges. Revocation does not reverse a charge already initiated or cancel an amount already owed.

A card authorization does not guarantee that the issuer will approve a later charge. By accepting a grant, the cardholder confirms authority to use the payment method for the company.

6 · Bank (ACH) Payments

When ACH is offered, a bank payment takes about 4 business days to clear. Until it clears, the payment is shown as clearing, another checkout for the same order is blocked, and Corply does not submit the state filing or provision services.

The authorization at checkout identifies Corply as payee, the amount and schedule, and how to revoke future debits. Corply records the exact text, acceptance time, IP address, and browser user agent. Online personal-account debits use a WEB entry and business-account debits use a CCD entry; Corply does not take PPD or TEL authorizations for these checkouts.

A revocation takes effect when Corply receives it for each debit not yet initiated. A bank return or debit dispute revokes future authorization for that account. Corply may pause work not yet submitted while investigating, and the amount remains owed.

Corply Tax v1 does not use ACH. Its annual government charge requires an authorized card.

7 · Notices and Reminders

Corply sends plan reminders about 35 and 18 days before a renewal. A reminder shows the amount, date, selected services, masked payment method, and a link to Settings → Billing.

An ordinary annual Delaware charge receives a separate notice at least 10 days before charging. It shows the exact breakdown and calculation inputs, reporting year, scheduled date, masked card, and links to replace the card or revoke future tax authorization.

Notices go to the billing contacts on the Corply account. Keep those addresses current. Failure to open a notice does not create a new authorization or expand an existing one.

8 · Price Changes

The plan renews at the price in the accepted plan snapshot. A different plan price, scope, or cadence requires a fresh applicable authorization.

Corply gives at least 30 days' notice before a service-price change would apply. The notice shows the old and new price, effective date, and cancellation path. If the new price is not accepted, Corply does not charge it.

A Delaware government-charge amount may change under the already-authorized formula because Delaware changes its fee or tax or the company's certified facts change. That formula-produced amount does not change the purpose or annual frequency and is disclosed exactly before charging.

9 · Failed Payments

A failed first payment blocks formation filing and service provisioning. Return to the secure checkout and complete payment with an accepted method.

A failed plan renewal can place the account past due. Corply may retry a card under the disclosed retry schedule and sends a secure link to update the method or complete issuer authentication. Paid service remains governed by its recorded period; unpaid service may stop when that period ends.

If an annual Delaware charge is declined or needs cardholder authentication, Corply sends a secure recovery checkout. Corply does not pay or file the annual obligation until that payment settles.

A dispute or return may pause work Corply has not submitted. It does not undo a filing already submitted or a company record already created.

10 · Cancellation and Revocation

A billing manager may cancel the company plan in Settings → Billing, use a reminder link, or email founders@0lumens.com. Cancellation stops the next renewal. Monthly or annual services remain active through the paid period and that period is not refunded.

Cancelling registered-agent service requires the company to appoint a replacement. Corply warns the billing manager before cancellation and shows when coverage ends.

Cadence changes take effect at the next renewal without a partial refund. An already-created payment attempt keeps the method and evidence attached when it was created.

A billing manager may revoke future Delaware-tax charges separately in Settings → Billing without cancelling the company plan. Revocation received before charge initiation prevents that charge under the standing grant; the company remains responsible for the government obligation.

11 · Refunds

• Before Corply submits the state formation filing: cancel for a full refund of the formation payment.
• After submission: state fees, completed work, and any managed 83(b) already mailed are non-refundable. Corply refunds an unmailed 83(b) line if that service is cancelled before mailing, and refunds its formation-service charge if the state rejects the filing and Corply cannot correct it.
• Unified company-plan periods: monthly and annual periods are non-refundable. Cancellation stops the next renewal and service remains active through the paid period.
• Grandfathered renewal charges keep the refund promise recorded under their original authorization and policy version.
• Duplicate, erroneous, or unauthorized charges are refunded in full after verification.
• Amendment balances and separate service-addition checkouts follow the refund terms displayed in their exact authorization.

Request a refund at founders@0lumens.com or through our support form with the company name and charge. Approved refunds return through the original processor and method.

Card refunds usually appear within 5 to 10 business days, depending on the issuer. ACH refunds can be issued only after the original debit clears.

12 · Payment Disputes

For an incorrect or unrecognized charge, contact founders@0lumens.com or use our support form. We usually respond within one business day. Contacting Corply first does not limit a cardholder's or account holder's right to dispute a charge.

Corply may provide Stripe, Finix, Payabli, card networks, or banks with the receipt, accepted authorization, and records of work performed. A card dispute ends authorization to charge that card; a bank dispute revokes authorization for future debits from that account.

This section covers payment disputes. Legal disputes follow section 17 of the Terms of Use.

13 · Receipts and Evidence

Corply keeps a receipt for every successful payment with the amount, date, line items, masked method, processor references, and Corply receipt number.

The first checkout records the immutable formation and plan snapshot, cadence, selected services, price version, fingerprint, authorization text and hash, separately revocable grants, cardholder, authorization time, and settlement time.

Corply confirms plan cancellation, cadence and service changes, payment-method assignment, and authorization revocation. Historical records remain readable under the terms accepted at the time.

For a copy of payment evidence, email founders@0lumens.com.

14 · Billing Support

Email founders@0lumens.com or use our support form. We usually respond within one business day.

Include the company name, checkout email, and charge date and amount. Never send full card numbers, bank-account numbers, security codes, or passwords.

0Lumen Labs Corp. d/b/a Corply is responsible for its charges. Stripe processes Corply's own charges under Stripe's terms and privacy policy. For grandfathered accounts billed through Corply Pay, Corply's payment software, Finix processes cards and Payabli processes bank debits.

If the company uses Corply Pay to collect money from others or uses Corply Cards, the Corply Pay Terms also apply to that product.

This policy describes billing operations and is not legal, tax, accounting, or financial advice. Corply is not a law firm; use qualified counsel or advisers for professional advice.

15 · Changes to This Policy

The version and publication date appear at the top of this page. Each checkout and authorization change records the policy version in effect when accepted.

A later policy update does not create a charge authorization, expand an existing grant, or rewrite historical evidence. A new purpose or cadence and any required price acceptance use fresh affirmative consent.

This policy supplements the Terms of Use. The more specific accepted checkout authorization controls the particular charge and saved-method grant.