Refund and Account Credit Policy

Phone Her Now provides the infrastructure that allows customers to connect with independent adult service providers. Because each talker operates her own independent business, chooses her own services, sets her own pricing, and controls the experience she provides, refunds are limited and reviewed carefully.

We want customers to receive the service they paid for while also protecting independent providers from refund abuse, completed-service disputes, and fraudulent chargebacks.

Refunds Are Service Credits, Not Cash Refunds

When Phone Her Now approves a refund, the refund is issued as a coupon code or account credit for qualifying Phone Her Now phone service.

This applies regardless of whether the original transaction involved a phone call, web chat, or video chat. An approved credit for a web chat or video service may still be redeemable only toward qualifying phone service.

Approved discretionary refunds are not returned as cash and are not ordinarily returned to a debit card, credit card, or bank account, except where required by applicable law or payment-network rules.

1. Independent Providers

Phone Her Now asks independent providers to describe their services, pricing, interests, boundaries, and offerings as accurately as reasonably possible. However, talkers are independent contractors operating their own businesses through Phone Her Now infrastructure.

Providers choose the conversations and lawful adult services they are willing to offer. Compatibility, personality, voice, chemistry, fantasy style, and individual preferences are subjective. A customer simply not enjoying a particular provider does not automatically create a right to a refund.

2. Refunds Are Reviewed Case by Case

Refund eligibility does not mean a refund is automatically owed. Each request is reviewed based on the transaction, call information, applicable package terms, available technical records, customer history, provider history, and any other information relevant to the situation.

Phone Her Now may approve or deny a request after reviewing the circumstances. Previous approval of a refund does not guarantee approval of a future request.

3. The Three-Minute Rule

Under ordinary circumstances, only phone calls lasting less than three minutes are eligible for refund review based solely on dissatisfaction with the connection or service.

A phone call lasting three minutes or longer is ordinarily considered a successfully delivered service and is not eligible for a discretionary refund merely because the customer later decides that the provider was not the right personality or experience for them.

Exceptions may be considered for verified technical failures, incomplete required packages, provider disconnections, or other unusual circumstances supported by the available records.

4. Missed Calls Are Not Charged

A failed attempt to reach a talker is different from a completed service. Phone Her Now does not begin phone-call billing merely because a customer attempts to place a call.

The provider must answer and accept the connection before paid phone time begins. If the provider never accepts the call, there should be no completed-call charge to refund.

5. Minimums and Prepaid Packages

Some independent providers require an initial minimum or package. For example, a provider might require a 10-minute or 15-minute package before beginning service.

When you knowingly purchase a required package, you are purchasing the package rather than guaranteeing that you personally will choose to use every included minute.

For example, if you purchase a 15-minute minimum and decide you are finished after nine minutes and disconnect the call yourself, the remaining six minutes are not refundable.

Choosing to end a package early is not the same as the provider failing to make the purchased package available.

6. Provider Disconnection During a Package

The telephone system maintains connection information that may help determine which party disconnected a call.

If a provider disconnects a required package before providing the full purchased time, the unused portion may be eligible for review and service credit depending on the circumstances.

If the customer disconnects the call, voluntarily ends the service, or otherwise chooses not to use the remaining package time, the unused portion is not ordinarily eligible for refund.

7. Technical Problems

Genuine technical failures may be reviewed separately from ordinary dissatisfaction. Examples may include a verified platform error, repeated disconnection caused by the service infrastructure, billing error, or another technical problem that prevented the purchased service from being delivered normally.

Technical refund requests remain subject to verification and are not automatically approved simply because a user reports a connection problem.

8. A One-Star Review Is Required

A customer requesting a discretionary refund based on a negative provider experience must first leave a one-star review on the applicable provider profile documenting the experience.

This requirement helps keep the marketplace transparent. Positive experiences should be reflected in provider ratings, and significant negative experiences should also be available to future customers when they decide whom to choose.

A discretionary refund request based on provider performance cannot be approved without the required one-star review.

9. Refund Frequency Limits

To protect both customers and independent providers from repeated refund abuse, discretionary service credits are subject to frequency limits.

These limits describe the maximum frequency at which discretionary refund credits may be approved. They do not create an entitlement to a refund every 30 or 90 days. Every request must still independently qualify under this policy.

10. Experiences That Normally Do Not Qualify

Examples of situations that normally do not qualify for a refund include:

• You did not like the provider's voice, personality, accent, style, or attitude.
• The fantasy or roleplay was different from what you imagined but the provider delivered a service.
• You changed your mind after the service began.
• You voluntarily disconnected from a prepaid minimum or package before using all included time.
• You sent an optional tribute or tip and later regretted sending it.
• You expected a provider to perform an activity that she did not agree to provide.
• A provider later changed her price, discount, promotion, or availability.
• You spent more time or money than you originally intended while knowingly continuing the service.

11. Tributes and Tips

Tributes and tips are voluntary payments and should not be treated as a substitute for clearly agreeing on the underlying paid service.

Sending a voluntary tribute does not allow a customer to force a provider to perform an activity she does not want to perform, and a tip is not ordinarily refundable merely because the customer later changes their mind about sending it.

12. Outside Payments and Services

Do not send a provider money through Cash App, Zelle, Venmo, another website, cryptocurrency, gift cards, direct bank transfer, or any other payment method outside Phone Her Now.

Outside solicitation violates marketplace rules. If you voluntarily conduct a transaction outside Phone Her Now, that transaction is outside our billing system and outside our ability to verify, control, reverse, or refund.

Review our Privacy Policy and Terms of Service for additional information about outside contact and payment requests.

13. Chargebacks and Payment Fraud

Phone Her Now takes fraudulent chargebacks and false payment disputes seriously. Independent providers spend real time delivering paid services, and a completed transaction should not be disputed merely because a customer later regrets the purchase or wants to avoid paying for a service that was received.

When a chargeback or payment dispute is filed, Phone Her Now may contest the dispute and provide the applicable bank, payment processor, card network, dispute administrator, or other authorized party with records reasonably necessary to demonstrate that the account was used and the service was delivered.

Relevant evidence may include transaction records, account activity, login or technical information, telephone connection records, service duration, authorization information, correspondence, and other documentation relevant to the disputed transaction.

Privacy protections do not prevent Phone Her Now from using or disclosing information reasonably necessary to investigate, respond to, or defend against a payment dispute, suspected fraud, or chargeback.

14. Accounts Involved in Fraud or Abuse

Accounts associated with fraudulent transactions, repeated abusive refund requests, dishonest chargebacks, payment manipulation, or attempts to obtain services without paying may be restricted or terminated.

Phone Her Now may also decline future transactions or account access when reasonably necessary to protect providers, customers, payment systems, or the marketplace.

15. Inactive Accounts and Unused Balances

Subject to applicable law, an unused customer balance may be forfeited after 12 consecutive months without qualifying paid-service activity on the account.

Using the account for at least one minute of qualifying paid service resets the 12-month inactivity period.

Simply maintaining an account does not guarantee that unused promotional credits, coupons, or balances will remain available indefinitely where an applicable expiration or inactivity rule is permitted.

16. Closing or No Longer Using Your Account

Choosing to stop using Phone Her Now does not convert previously purchased or remaining discretionary service credit into cash.

Closing an account, abandoning an account, or deciding that you no longer wish to use the marketplace does not by itself create a right to a cash refund of prior purchases, promotional credits, coupon credits, or other non-refundable service value, except where required by applicable law.

17. How to Request a Refund Review

If you believe a transaction qualifies for review, submit a support request through your Phone Her Now account and clearly identify the provider, service, approximate date and time, and reason you believe the transaction qualifies under this policy.

Include screenshots or other supporting information when relevant. For provider-performance complaints, make sure the required one-star review has already been submitted before requesting discretionary credit.

Please contact Phone Her Now first when you believe there has been a service or billing problem. Giving support an opportunity to review the transaction is usually the fastest way to determine what happened.

Fair to Customers. Fair to Providers.

Our refund policy is designed to correct genuine service failures without turning completed adult entertainment into a try-now-pay-later product. Customers deserve the service they purchase, and independent talkers deserve to be paid for services they actually provide.

Understand the Service Before You Connect

Learn how Phone Her Now billing and calls work, review marketplace rules, or browse independent talker profiles before choosing a provider.