Payment Terms

These Payment Terms explain how campaign payments, the Cirql platform fee, Creator subscriptions, payouts and taxes work on Cirql. They form part of the Agreement.

1. Currency and payment partner

All payments are in Indian Rupees (₹). Payments and payouts are processed by our payment partner, Razorpay. Cirql does not store your card or bank credentials.

2. Cirql is free for Businesses

Businesses pay no sign-up fee, subscription or listing charge. The only charge to a Business is the 5% platform fee described in section 4, and only when a campaign is paid through Cirql.

3. How a campaign payment works

1. Match and agree. The Business and Creator agree the brief, deliverables, timeline and campaign price on Cirql.
2. Business pays upfront. The Business pays the agreed campaign price plus the 5% platform fee through Cirql. The payment is collected by our payment partner.
3. Creator delivers. The Creator delivers the agreed content through Cirql.
4. Business marks the campaign finished. The payment is released to the Creator only after the Business confirms the content has been delivered and marks the campaign as finished.
5. Payout. The Creator is paid the agreed campaign price to their registered bank account or UPI ID within 7 working days of release, subject to tax deducted at source where required by law and to banking and payment-partner processing times.

4. Platform fee: 5%

• Cirql charges a platform fee of 5% of the agreed campaign price on every campaign paid through Cirql.
• The fee is added to the amount the Business pays. For example, for a ₹10,000 campaign the Business pays ₹10,500 and the Creator is paid ₹10,000.
• Cirql does not deduct the platform fee from the Creator's agreed campaign price.
• The platform fee is non-refundable once paid, including where a campaign is cancelled or refunded, except where the law requires otherwise.
• We may change the platform fee for future campaigns on notice. A change never applies to a campaign that has already been paid.

5. Review window

After the Creator delivers, the Business has 7 days to mark the campaign as finished or to raise an issue. If the Business does neither within that time, Cirql will review the delivered content against the agreed brief and may release the payment to the Creator or refund the Business, based on that review.

6. Payments outside Cirql are not protected

The platform fee, the payment process in section 3, the review window, refunds and dispute support apply only to campaigns paid through Cirql. If a Business and Creator agree or pay for any work outside Cirql — in cash, by direct bank transfer, UPI or any other channel — that arrangement is entirely between them. Cirql has no record of it and cannot help with non-delivery, non-payment, refunds or disputes arising from it. Moving a deal off Cirql to avoid the platform fee is also a breach of our Terms.

7. Creator subscriptions

Creators can use a free Starter plan or a paid plan: Creator Pro at ₹799/month or Creator Elite at ₹1,099/month, as shown in the app. Paid plans are billed in advance and renew automatically each month, using the payment method and any e-mandate/auto-debit authorisation you provide, until you cancel. You can cancel renewal at any time; see the Refund & Cancellation Policy.

8. Taxes

Cirql is not currently registered for GST, so no GST is charged on the platform fee or subscriptions. If we become registered, GST will be added as required by law and shown on your invoice, and we will update these Payment Terms. Where the law requires, tax may be deducted or collected at source — for example, TDS under Section 194-O of the Income-tax Act, 1961 on payments to Creators. Creators and Businesses are responsible for their own tax filings and must provide the PAN and bank details needed for payouts and compliance.

9. Failed or reversed payments

If a payment fails, is reversed or is charged back, we may pause the related campaign or account until it is resolved. You are responsible for any fees or losses caused by an unauthorised chargeback.

10. Refunds

Refunds are governed by the Refund & Cancellation Policy.

11. Records and invoices

We provide transaction records and invoices in the app. Please keep them for your tax records.

Contact / Grievances

See the Grievance Redressal Framework.