PAYMENT & BILLING POLICY

JP Kreasi

Last Updated: May 2026

1. General Overview

This Payment & Billing Policy governs all transactions, invoices, subscriptions, and financial interactions within the JP Kreasi platform.

By making a payment, you agree to this policy.

2. Payment Processing

All payments are processed through third-party payment gateway providers.

JP Kreasi:

• Does not store credit card or banking data
• Does not directly process payment credentials

Users will be redirected to a secure payment page managed by the payment provider.

3. Invoice System

3.1 Invoice Creation

An invoice is generated when a user initiates an order.

3.2 Invoice Validity

Each invoice has a limited validity period.

• If payment is not completed within the specified time → the invoice will be automatically canceled

3.3 Payment Confirmation

Payment status depends on confirmation from the payment gateway.

4. Service Activation

4.1 Activation Rule

A service is considered active only after payment is successfully confirmed.

4.2 Activation Timing

Activation is typically automatic but may require system processing.

5. Payment Success but Service Not Active

In rare cases where:

• Payment is successful
• But the service is not activated

This may be caused by:

• Network issues
• Payment callback failure
• System processing delays

5.1 User Responsibility

Users are strongly advised to retain proof of payment (such as screenshots or official receipts from the payment provider) until the service has been successfully activated.

Failure to provide valid proof of payment may delay or prevent the resolution of billing issues.

5.2 Resolution Process

To resolve the issue, users must contact support and provide:

• Invoice ID
• Transaction ID
• Proof of payment

JP Kreasi will:

• Verify the transaction with the payment provider
• Activate the service manually if the payment is valid

JP Kreasi will make reasonable efforts to review and resolve valid payment issues within 1–2 business days.

6. Subscription Duration & Expiry

Each service includes a duration (e.g., 30 days, 365 days).

• The service period starts from activation time
• Expiry is recorded as expired_at in the system

After expiration:

• Service may be suspended or disabled

7. Renewal Policy

Users are responsible for renewing services before expiration.

Late renewal may result in:

• Temporary service interruption
• Possible data or automation inactivity

8. Upgrade & Downgrade Policy

8.1 Upgrade (Higher Plan)

Users may upgrade to a higher plan within the same product group.

Prorated Calculation

Remaining value of the current plan will be calculated based on:

• Remaining time
• Original price

Formula concept:
Remaining Value = (Remaining Time / Total Duration) × Original Price

The prorated value displayed during upgrade is an estimate and may be subject to final calculation at the time of invoice generation.

This value will be deducted from the new plan price.

8.2 Downgrade (Lower Plan)

Downgrade is restricted:

• Cannot be applied during an active subscription
• Can only be performed after the current service expires

8.3 Cross-Product Restriction

Upgrade/downgrade is only allowed within the same product group.

9. Pricing & Currency

Prices may be displayed in:

• Indonesian Rupiah (IDR)
• US Dollar (USD)

Currency selection may depend on user preference or system settings.

10. Refund Policy

10.1 Non-Refundable

Payments are generally non-refundable once service is activated.

10.2 Exceptions

Refunds may be considered in cases such as:

• Duplicate transactions
• Payment errors
• System failure preventing activation

JP Kreasi reserves the right to reject claims that cannot be verified through valid transaction records.

Refund decisions are made at the sole discretion of JP Kreasi.

11. Failed or Invalid Transactions

JP Kreasi is not responsible for:

• Payment failures caused by user error
• Incorrect payment details
• Issues within the payment provider system

12. Fraud Prevention

We reserve the right to:

• Reject suspicious transactions
• Suspend services linked to fraudulent activity

13. Policy Updates

This policy may be updated at any time.

Users are encouraged to review this page periodically.

14. Contact Support

For billing-related issues, contact:

JP Kreasi
📧 hello@jpkreasi.web.id

Please include:

• Invoice ID
• Transaction ID
• Description of the issue