Payment Policy
Last updated 11 November 2026 · version 1.6
POP STUDIO a CWP Studio brand
Payment Policy
The short version
- You pay on a secure checkout page run by Creem, our Merchant of Record. We never see or store your card details.
- Prices are in US dollars (USD). Sales tax / VAT is added at checkout where it applies.
- You are charged when you confirm payment on the checkout page; your order takes effect once Creem confirms the payment to us.
- Memberships renew automatically until you cancel; the date and price are shown in Account → Membership.
- Charged the wrong amount, twice, or after cancelling? Write to us and we put it right.
1. Overview
This policy explains how payment works on ibepop.com, operated by CINDERWORDS CO.,LTD, trading as POP Studio ("we"), for one-time file purchases and for the POP Membership (Member and Maker plans). It is part of our Terms of Service. Refunds are covered by the Refund Policy and personal data by the Privacy Policy; this policy does not repeat them.
Payments are processed by Creem (Armitage Labs OÜ, Estonia), our Merchant of Record: Creem sells to you, takes payment, collects and remits sales tax / VAT where required, and handles invoices, refunds and payment disputes. Where this policy and the Creem Buyer Terms (creem.io/buyer-terms) both touch a payment, both apply.
2. How you pay
When you check out, you are sent to a checkout page hosted by Creem and you pay there; nothing is paid on our own pages. Payment methods are chosen by Creem and can differ by country. Creem lists cards, Apple Pay and Google Pay among its methods, and may offer others in your region, so the checkout page shows what is available to you. We do not choose which methods appear and cannot add a method for you.
Card and bank details are entered only on Creem's page. We never receive, see or store them; we only receive the order data described in our Privacy Policy.
3. Currency, prices and tax
| Topic | How it works |
|---|---|
| Currency | All prices are in US dollars (USD). Your bank may add currency-conversion or foreign-transaction fees; these are not ours and are not refunded. |
| What the price covers | The price shown on a product page, in the cart or on the Pricing page is before sales tax / VAT. Tax for your location is added by Creem on the checkout page, before you pay. |
| Final total | The total on Creem's checkout page (price, tax and any discount or coupon) is what you pay. The cart is a preview only. |
| Business buyers | If you buy for a business, you can enter a tax or VAT number on the checkout page where Creem supports it. |
| Coupons | A coupon code entered in the cart (files) or on the Pricing page (Membership) reduces the price as its conditions state. A Membership code takes its percentage off the first payment only; a single-use code works once. Other terms are in the Terms of Service. |
| Price changes | A price change never affects an order already paid or a Membership period already paid. A Membership renews at the new price only after the notice described in section 7 of the Terms of Service. |
4. When you are charged and when your order takes effect
You are charged when you confirm payment on Creem's checkout page. Your order takes effect, and your files appear in Account → Orders and your library, once Creem confirms the payment to us. This is usually within a minute or two. If you have paid and nothing has appeared after 15 minutes, email pop@cinderwords.com with the time of payment and the email you used.
If a payment is declined or fails, you are not charged and no order takes effect; you can try again or use another method. Some banks show a temporary hold that disappears by itself within a few days; a hold is not a charge.
We then email you an order confirmation. For a Membership, access starts once Creem confirms the first payment.
5. Receipts and invoices
Creem, as the seller of record, issues the receipt and invoice for each payment. Receipts are sent to the email address you used at checkout. Creem also makes your invoices available in its customer portal (creem.io/my-orders/login, with the email you paid with). Your orders and Membership charges are also listed in Account → Orders and Account → Billing.
If you need an invoice with your company details, add them on the checkout page when you pay, or contact Creem; we can help if you write to pop@cinderwords.com.
6. Membership billing
Renewal. A Membership is paid in advance and renews automatically on the same date until you cancel: every month for a monthly plan, every 12 months for a 12-month plan. By starting a Membership you authorise Creem to charge each renewal to your payment method at the price then shown. The next renewal date and price are always shown in Account → Membership, and the prices are on the Pricing page.
Cancelling. You can cancel at any time in Account → Membership, or in Creem's customer portal (creem.io/my-orders/login, with the email you paid with). Cancel before the renewal date: access continues to the end of the period you have paid for and nothing more is charged. A renewal that has already been charged is handled under the Refund Policy, which explains what you can get back.
Failed payments. If a renewal payment fails, the Membership becomes "past due" and you keep access for a 5-day grace period while Creem may try the payment again. Update your payment method in Creem's customer portal. If the payment is still unpaid after the grace period, the Membership is cancelled and Member downloads stop. Files you bought one by one, and the Member files of months you have already paid for, stay yours as described in the Terms of Service.
7. Payment security
Payments are processed by Creem on its own checkout page, so your card details never pass through our servers. Our own pages and your connection to them are encrypted (HTTPS). We keep only the order data needed to give you your files and to keep our accounts, as described in the Privacy Policy. Never send card numbers, CVV codes or passwords by email; we will never ask for them.
8. Refunds, chargebacks and disputes
Refunds, defective files, chargebacks and payment disputes are covered in the Refund Policy. In short: ask us first; if a payment problem is not solved, you can also contact Creem (creem.io/contact or support@creem.io), and Creem's Buyer Terms ask you to contact it before filing a chargeback with your bank.
9. Wrong, double or failed charges
| Situation | What to do and what happens |
|---|---|
| Charged twice for one order or one period | Email pop@cinderwords.com with the order number or the charge date; the extra charge is refunded in full. |
| Charged the wrong amount | Email us with a screenshot of the checkout total or the receipt; we check it with Creem and correct it. |
| Charged after you cancelled | Email us; the charge is refunded in full. |
| Paid but no files or Membership | Wait up to 15 minutes, then email us with the time of payment (see section 4). |
| A charge you do not recognise | Check Account → Orders / Billing and the receipt first; the statement may show Creem rather than POP Studio. If you still do not recognise it, write to us or to Creem before disputing it with your bank. |
| An obvious price error on our side | We may cancel the order and refund it in full, as set out in the Terms of Service. |
10. Contact and response times
Email pop@cinderwords.com (or use the contact form on the Website) for any payment question or complaint, from the email on your account if you can. We confirm that we have received your message and reply within 2 business days, and we aim to settle a complaint within 30 days. If we have not answered within 7 days, you can contact Creem directly at creem.io/contact or support@creem.io.
11. Your rights under Vietnamese law
We are based in Vietnam, and Vietnamese consumer and e-commerce law applies to our online sales alongside the rules of your own country. In plain terms, you have the right to clear and accurate information about who is selling, the price, how to pay, how to get a refund and how to complain, to see and keep a copy of the terms of your purchase, and to have a complaint received and answered. The main laws are the Law on Protection of Consumers' Rights 2023 (Law No. 19/2023/QH15), the Law on E-Commerce 2025 (Law No. 122/2025/QH15) and the Law on Electronic Transactions 2023 (Law No. 20/2023/QH15). Where such a law gives you a right that is more favourable than this policy, that right applies and this policy does not limit it. If we cannot settle a complaint, you can also approach the competent consumer protection authority in Vietnam or your local consumer authority.
12. Changes to this policy
We may update this policy and will post it with a new "Last updated" date. Material changes are notified by email or on the Website at least 30 days in advance and apply to Members from the next renewal after the notice period. A change never affects an order you have already paid or a Membership period you have already paid for.
Questions: pop@cinderwords.com.