Transparency & Policies

Payment & Transaction Guide

We believe in complete transparency before you authorize any transaction. Below is a breakdown of what you pay for across the Creative Hub, our delivery standards, fee structures, and current terms.

1. Books & Digital Products

USD Pricing

When purchasing digital novels, anthologies, writing guides, or craft templates from the Bookstore, you are paying for an immediate, personal use digital license. All catalog prices are listed in United States Dollars (USD).

Fulfillment & Shipping: $0.00 (Instant electronic delivery • no physical shipping)

Delivery Format: Secure download link (PDF, EPUB) generated upon payment confirmation

Access Duration: Signed download tokens expire after 72 hours for security; authenticated users can access purchased items anytime from their Customer Dashboard

Digital Download Terms

Digital download terms have not yet been published. Contact janeaugustine63@gmail.com before purchase if you need clarification.

2. Courses & Learning Materials

External Platforms & Local PDFs

Our learning directory indexes structured craft courses and creative writing tutorials. It is important to distinguish between externally hosted courses and downloadable materials:

Externally Hosted Courses:

When enrolling in video courses hosted on YouTube, Udemy, Coursera, or Teachable, tuition payments are processed directly by the respective platform under their terms and refund policies. The Creative Hub does not process host platform tuition.

Downloadable Materials & Syllabi:

Course reading guides and syllabi provided as downloadable PDFs on our site are provided directly to learners. If paid materials are introduced, they follow our standard digital bookstore delivery terms.

3. Contributor Submissions & Hosting Fees

Editorial Review Fee

Independent authors and instructors can submit essays, books, and courses for hosting in the Creative Hub. Submission fees ($50.00 USD standard review fee, or as configured) cover manual editorial reading, quality assessment, and technical verification.

Review Timeline: Submissions are manually evaluated within 5 to 7 business days.

Approval Criteria: Originality, literary and educational merit, and compliance with copyright and formatting guidelines.

Status Tracking: Contributors can view real time status (Pending, Changes Requested, Approved, Rejected) and reviewer feedback in their Contributor Dashboard.

Submission Review & Refund Terms

The submission fee, review process, approval requirements, and rejection refund terms require Jane's approval before payment is collected. Payment is not collected for submissions while policy review is pending.

4. Gatherings & Event Tickets

RSVPs & External Ticketing

Our literary salons, reading circles, and workshops bring writers together virtually and in person. Each listing clearly states ticket price, organizer identity, capacity, and remaining spot availability.

Free Gatherings: RSVP is completely free with immediate email confirmation and calendar invite

External Organizer Events: When an event is hosted via Eventbrite, ticketing and refund rules are managed by the event organizer

Ticketing & Cancellation Policy

Event ticket terms must be reviewed on the event listing. Paid ticket checkout is not currently available through the Creative Hub.

5. Agency Services & Consultations

Separately Contracted

Agency services (such as B2B SEO Strategy, Search Architecture, and Enterprise Growth Retainers) and one on one discovery calls are managed independently through written proposals and formal master services agreements.

Agency services and consultations are arranged through their listed contact or booking channels; this Creative Hub checkout does not collect payment for them.

Additional Charges & Taxes

Catalog prices reflect the base item price in USD. The payment provider displays the exact payable total (including any processing fees or local taxes applicable to your country or payment method) before you authorize payment.

No separate fee or tax policy has been published. The checkout provider shows the payable amount before you authorize payment.

Refunds & Cancellations

We encourage customers to review sample chapters, curriculum syllabi, or event details before placing an order.

Refund and cancellation terms have not yet been published. Contact us before paying if these terms affect your decision.

Bank Grade Payment Security

All transactions are handled over encrypted SSL connections by our certified payment processor. Card details and CVVs are entered directly on the payment provider's hosted checkout and are never seen or stored on our servers.