Refund & Dispute Policy

Effective date: June 8, 2026 · Last updated: June 8, 2026

This policy explains how Creedo handles missing offer credits, disputed transactions, and refund requests. It applies to the Creedo platform at creedo.club (the "Service"), operated by Creedo, Inc. ("Creedo," "we," "us," or "our"), and supplements our Terms of Service and Privacy Policy.

1. Missing Offer Credits

When an offer doesn't credit:

Offer credits depend on third-party advertiser tracking systems. Sometimes credits are delayed or missed due to:

  • Tracking interference: Ad blockers, VPNs, cookie-clearing, or incognito mode can break offer tracking.
  • Incomplete requirements: The offer may have specific steps (e.g., reach level 10, make a purchase) that were not fully completed.
  • Advertiser processing delays: Some offers take 24-72 hours (or longer) for the advertiser to confirm completion.
  • Technical issues: Occasional tracking failures on the advertiser's end.

What to do:

  1. Wait at least 24 hours after completing the offer before filing a dispute. Many credits arrive within this window.
  2. If the credit has not appeared after 24 hours, go to Wallet > Credit Disputes and submit a dispute.
  3. Provide the following evidence:
    • Screenshot showing you completed the offer requirement (e.g., in-game level reached, app installed)
    • Date and approximate time of completion
    • The device you used
  4. Our team will investigate and respond within 3-5 business days.

Dispute outcomes:

  • Approved: Points are credited to your account.
  • Denied: If the advertiser cannot confirm completion, the dispute is denied. We will explain why.
  • Pending: In some cases, we escalate to the advertiser for manual review. This can take up to 14 business days.

Tips to avoid missing credits:

  • Disable ad blockers before starting an offer.
  • Do not use a VPN or proxy.
  • Do not clear cookies or switch devices during offer completion.
  • Always open offer links directly from Creedo — do not copy/paste URLs.
  • Complete all listed steps for the offer before expecting credit.

2. Withdrawal Disputes

Withdrawal pending longer than expected:

  • New users: First withdrawals are subject to a 48-72 hour review period. This is a fraud prevention measure.
  • Standard processing: PayPal (1-2 business days), Visa prepaid (1-3 business days), Amazon gift cards (instant after review).
  • If your withdrawal has been pending beyond these timeframes, contact support.

Withdrawal denied or reversed:

Withdrawals may be denied if:

  • Your account has been flagged for suspicious activity.
  • Identity verification (KYC) has not been completed or has failed.
  • The withdrawal exceeds your current limits (new users: $50/month, verified users: $500/month).
  • Your payment method information is incorrect.

If a withdrawal is denied, you will receive a notification explaining the reason and next steps.

3. Refunds

Creedo does not issue refunds for:

  • Points that were correctly credited and then redeemed.
  • Points forfeited due to account termination for Terms of Service violations.
  • Time spent on offers that did not credit (disputes are the correct channel for these).
  • Expired points from inactive accounts.

Creedo may issue refunds or corrections for:

  • System errors that incorrectly deducted points from your account.
  • Duplicate withdrawal charges caused by platform bugs.
  • Cases where a withdrawal was processed to an incorrect payment method due to a platform error.

To request a correction, contact anant@creedo.club with details of the issue.

4. Referral Commission Disputes

  • Referral commissions are subject to a 30-day hold period.
  • If a referred user's account is terminated for fraud during the hold period, the associated referral commission is forfeited.
  • If you believe a referral commission was incorrectly denied, contact support with the referred user's username and the date of their signup.

5. Escalation

If you are unsatisfied with the resolution of any dispute:

  1. Reply to the dispute resolution email requesting escalation.
  2. Your case will be reviewed by a senior team member within 5 business days.
  3. Escalation decisions are final.

6. Contact

  • Company: Creedo, Inc., a Delaware corporation
  • In-app: Wallet > Credit Disputes (for missing credits)
  • Email: anant@creedo.club (for all other issues)
  • Response time: 1-3 business days for initial response