Financial Policies & Credit Rules

01 · Article

Definitions and Basic Concepts

1. 1.1Daanex: The digital platform for creating, publishing, offering, presenting, and accessing educational, specialized, skill-based, and knowledge content.
2. 1.2Content Creator: Any individual who utilizes Daanex tools to produce, edit, publish, or sell content.
3. 1.3End User: Any individual who acquires a membership to access and use content on Daanex, purchasing credits as needed to acquire content.
4. 1.4Membership: A time-bound license authorizing access to specific features and services assigned to a user role.
5. 1.5Membership Period: The calendar-month period of one, three, or six months that begins when a plan is activated and ends on its expiry date.
6. 1.6Plan: A membership package sold by Daanex that combines a membership period with a defined number of bundled credits in a single payment.
7. 1.7Credit: The internal credit unit of Daanex, used to calculate costs associated with producing, editing, purchasing content, or using other paid platform services.
8. 1.8Purchased Credit: Credit obtained in exchange for monetary payment—whether purchased as a top-up or included as bundled credit in a plan with an explicitly declared credit value.
9. 1.9Promotional or Gift Credit: Credit granted to a user without direct monetary payment under a promotional campaign or incentive policy. Daanex does not issue promotional or gift credit in the current version; if such credit is introduced, the terms of the relevant campaign apply.
10. 1.10Creator Revenue: The financial share earned by a creator from paid content sales after deducting the Daanex platform commission.
11. 1.11Content Revision: Publication of a new content version that makes a meaningful change to the lesson body, structure, media, examples, exercises, or quiz questions. A change limited to price or publication metadata is not a content revision.
12. 1.12Archive: A status that stops new sales and new discovery of a content item while preserving access for users who already purchased it.
13. 1.13Settlement: The processing of a creator payout or refund through the platform's finance workflow.
14. 1.14User Dashboard: The dedicated account portal displaying membership status, credit balance and expiry, pricing, transaction logs, revenue, and payout status.

02 · Article

Membership Structure

1. 2.1Daanex defines membership across two independent tiers:
2. 2.2Each membership tier functions independently. Holding a Content Creator Membership does not confer End-User Membership privileges, and vice versa.
3. 2.3Users wishing to participate in both roles must purchase both memberships independently.

• Content Creator Membership
• End-User Membership
• Standard membership subscription periods are: 1 Month, 3 Months, 6 Months.

1. 2.5The initial plans and prices are:

Amounts are shown in Toman for readability; the reference unit for accounting and invoices is IRR (1 Toman = 10 IRR). Plan values are configurable by the platform administrator. Changes apply to new purchases only and do not alter an active plan.

1. 2.6Bundled credits are part of the same plan payment and are issued immediately upon activation. A single payment is recorded, and the receipt contains two separate lines: the membership fee and the bundled credits.
2. 2.7Membership fees are entirely separate from credit purchases. Paying a membership fee does not increase credit balances unless credits are explicitly included in the purchased plan.
3. 2.8Memberships remain valid strictly for the purchased duration. Upon expiration, access to membership-restricted features will be limited pursuant to these policies.
4. 2.9When a user purchases a new membership, renews, or alters tiers prior to the expiration of an active plan, the new membership begins immediately upon final confirmation. Before final confirmation, the user is shown an explicit warning stating the number and value of remaining credits. Following the user's explicit acknowledgment, the remaining balance from the previous period is zeroed and the new period begins; remaining days and credits do not roll over.
5. 2.10Upon activation of a new membership period, unconsumed credits from the previous period are governed by Article 4.
6. 2.11Membership price updates apply strictly to new purchases and do not alter amounts paid for active subscriptions.
7. 2.12Where a user holds both memberships, each plan keeps its own period and its own bundled credit expiry. Credits are held in period-bound buckets and expire with the period under which they were issued.

03 · Article

Purchasing Credit and Value Determination

1. 3.1Credit serves as the universal internal transaction unit for both content creators and end users.
2. 3.2In the current version, the nominal value of one credit is fixed at 500,000 IRR (50,000 Toman) for both membership groups and in all circumstances. No discount is applied to credit purchases or membership plans in the current version.
3. 3.3Credit prices and bundled packages reflect the amounts displayed in the user dashboard and at checkout at the exact time of purchase.
4. 3.4Credit purchases are independent of membership fees; buying credits alone does not grant or extend any membership plan.
5. 3.5Users with an active membership may purchase additional credit top-up packages based on their individual operational needs. A top-up does not extend the membership period and expires with the current period.
6. 3.6The total credit requirement for any transaction or platform action is displayed to the user prior to final confirmation.
7. 3.7Daanex may adjust credit prices and bundle costs for future purchases with prior notification. Existing purchased balances are not revalued; the rules in Article 5 apply.
8. 3.8The fiat value of purchased credits and total transaction payments must be recorded in the user's account history.
9. 3.9For bundled packages (membership + credits), the monetary value assigned to the credit component must be specified to the user prior to purchase.
10. 3.10Unless explicitly stated otherwise, promotional or gift credits are not classified as purchased credits and remain subject to the specific terms and expiration rules of their respective campaigns.
11. 3.11Credits are non-transferable, have no cash value, and cannot be redeemed for cash except where Daanex explicitly authorizes an adjustment under Article 12.

04 · Article

Credit Validity and Expiration Rules

1. 4.1The validity period of purchased credits is linked directly to the active membership period of the associated account.
2. 4.2Upon membership expiration, unused credits remaining from that period expire and will not roll over to subsequent periods. Expired credits are not refundable.
3. 4.3If a new membership is purchased prior to the expiration of an active plan, the new membership begins immediately, and any unused credits from the prior cycle expire. This requires the explicit warning and confirmation described in Article 2.9.
4. 4.4Purchasing additional credits without an active membership subscription is prohibited.
5. 4.5Credit totals, per-bucket statuses, and expiration dates must be transparently displayed within the user dashboard. The system also reminds the user before expiry so that no reduction occurs without the user being informed.
6. 4.6Expiration rules must be presented clearly prior to purchase confirmation. These rules shall not infringe upon statutory consumer rights.
7. 4.7Credits already consumed are not restored or adjusted by a later price change, renewal, or expiration event.
8. 4.8Credit expiration does not affect access to content already purchased, creator earnings already accrued, or rights that cannot be waived under applicable law.

05 · Article

Credit Valuation and Price-Change Policy

1. 5.1The nominal value of a credit is fixed at 500,000 IRR (50,000 Toman) in the current version.
2. 5.2A change to the price of credits applies only to credits purchased after the effective date. Existing unconsumed credit balances are not recalculated, revalued, or converted at the new price.
3. 5.3A price change does not extend credit expiration dates or membership durations.
4. 5.4Price changes do not retroactively alter settled transactions, completed sales, or established revenue shares.
5. 5.5New credit prices and their effective dates will be communicated to users prior to application.
6. 5.6Plan values, quota values, and tariff values are configurable by the platform administrator. Changing these values is an operational action; changing the structure of the mechanisms themselves is governed by the platform's amendment rules and applicable law.
7. 5.7Financial records track each purchase batch and its original fiat value for accounting, reconciliation, and statutory record-keeping. This tracking does not create a right to revaluation of the credit balance.
8. 5.8Purchased credits retain their nominal credit count until consumed or expired. No rounding, ceiling adjustment, or fractional credit is applied when prices change.
9. 5.9Nothing in this Article limits a user's statutory rights or any remedy available for a proven billing error.

06 · Article

Content Production and Editing Costs

1. 6.1Producing content on Daanex requires an active Creator Membership and a sufficient credit balance.
2. 6.2The baseline cost to publish a new content item is 1 Credit, covering the base capacity described in the quota table below.
3. 6.3Additional credits are determined by the highest capacity tier reached in any single dimension:

1. 6.4The number of extra credits equals the highest tier reached among the dimensions; tiers are not summed. Purchasing a higher tier also unlocks the capacity of the lower tiers in that dimension.
2. 6.5The total creation cost is calculated from these server-measured parameters and displayed to the creator before final confirmation. A calculator in the publication form shows the result before payment.
3. 6.6A hard product media cap applies in addition to the tier table. The initial cap is 25 MB and is configurable by the platform administrator.
4. 6.7Free content is subject to standard production credit requirements; offering content free of charge to end users does not exempt the creator from platform processing costs.
5. 6.8Editing publication metadata or changing a price is free and does not consume credits.
6. 6.9Publishing a Content Revision requires a new quota estimate and a new publication charge equal to the new total. A failed publication never charges the creator.
7. 6.10Credits are deducted from the creator's balance only upon successful completion of the operation.
8. 6.11Technical failures attributable to Daanex that prevent successful processing will result in a full credit refund to the user's balance following verification.
9. 6.12Reducing file sizes or trimming content following a successful upload does not trigger a refund of consumed credits.

07 · Article

Content Pricing and Sales

1. 7.1Content creators may offer their materials free of charge or for a fee.
2. 7.2The minimum price for paid content is 1 Credit (500,000 IRR / 50,000 Toman). A content price must be zero or a positive whole-number multiple of one credit.
3. 7.3Publication is blocked until the mandatory metadata is complete: title, main category, short description, content language, target audience, content type, and access mode (free or a credit-multiple price). Optional fields include cover image, subtitle, difficulty level, prerequisites, estimated duration, learning goals, tags, and a sample or preview.
4. 7.4The final price of any piece of content is displayed to the creator prior to publication.
5. 7.5Modifying the list price of published content is free and does not consume credits. A price change does not alter the price of previous orders, and existing buyers retain their original purchase terms.
6. 7.6Converting free content to paid preserves the rights of users who acquired it while it was free.
7. 7.7A purchase grants the buyer a non-expiring right to use the content within their Daanex account. It does not transfer intellectual property ownership, and membership expiration does not remove this access right.
8. 7.8A bundle is a snapshot fixed at the time of purchase. Adding a lesson to a bundle later does not grant the buyer rights to that new lesson.
9. 7.9Quiz history, notes, and shares are bound to the relevant content version. If a version is no longer available, the source is marked unavailable and the personal text of a note is preserved.
10. 7.10Creators bear sole responsibility for the accuracy of content descriptions, pricing, and terms of release, and for holding the necessary rights to publish the content.
11. 7.11The required credit amount for any purchase must be displayed to end users prior to transaction confirmation.
12. 7.12No discount, coupon, or promotional price reduction applies to credit purchases or content prices in the current version.

08 · Article

Platform Commission and Creator Share

1. 8.1For every paid content sale, revenue is split as follows:

1. 8.2The same 20% / 80% split applies whether the creator's membership is active or expired. Expired membership does not change the commission rate.
2. 8.3Platform commission is calculated against the verified sale value. Commission is rounded to a whole rial, and the creator receives the exact remainder.
3. 8.4Credits spent by end users to acquire content are a wallet liability, not direct platform revenue; payout allocations for both the creator and Daanex are derived from the applicable percentage split.
4. 8.5Net creator earnings are credited directly to their revenue ledger after commission deduction.
5. 8.6No additional platform commission is deducted beyond the disclosed 20%. Payment-gateway fees are borne by the platform as an operating cost and are not deducted from the creator's share.
6. 8.7Modifications to commission structures apply exclusively to future transactions following advance notice and will not apply retroactively to completed sales.

09 · Article

Creator Content Status Post-Membership Expiration

1. 9.1When a creator's membership expires, published content remains accessible within their personal account history and is not deleted.
2. 9.2Creators without an active membership cannot publish new content or publish a Content Revision. Price and metadata corrections are not content revisions and remain available.
3. 9.3Published content may remain listed for purchase after membership expiration. Active membership is required only for new publication and content revision.
4. 9.4Sales made while the creator's membership is expired are processed at the standard 20% / 80% commission split.
5. 9.5Creator earnings generated during this period remain payout-eligible without requiring a mandatory membership renewal.
6. 9.6Archive is not automatic on membership expiry. A creator or the platform may archive a content item; archiving stops new sales and new discovery only.
7. 9.7Moving content to Archive does not revoke access for existing buyers, who retain access under their original purchase terms.
8. 9.8Creators may request content reactivation, subject to platform review. Publishing a new Content Revision after reactivation still requires an active membership.
9. 9.9Withdrawing content from sale is governed by Article 12.7 and may require the creator to fund refunds for affected orders.

10 · Article

End-User Status Post-Membership Expiration

1. 10.1Expiration of an End-User Membership does not revoke access to previously purchased content.
2. 10.2Personal notes created in connection with purchased content remain saved following membership expiration.
3. 10.3Users without an active membership can view and delete existing notes and read notes already shared with them, but cannot:

• Create new notes or edit existing notes;
• Categorize or reorganize note folders;
• Create new note shares with content creators or other authorized users;
• Post new comments on shared notes.

1. 10.4Reactivating an End-User Membership restores full access to note management tools and interactive features.
2. 10.5These operational restrictions do not affect statutory rights regarding personal data ownership.
3. 10.6Note sharing is available only where the creator has enabled it for the lesson. A share may be granted to the creator or to a user who already holds access to the same content, with view-only or view-and-comment permission, and may be revoked at any time. Shares are bound to the content version, and comment visibility is limited to the note owner and the recipient.

11 · Article

Creator Earnings and Payout Settlements

1. 11.1Creator earnings accumulate independently of credit balances or membership status.
2. 11.2Creators may request payout distributions for verified earnings even if their active membership has expired.
3. 11.3Payout requests are made in IRR for verified earnings.
4. 11.4A payout requires a verified identity and a verified payout destination. Daanex verifies sales records, transaction validity, and bank account information before the payout is processed.
5. 11.5Payout requests are processed by the finance department within the 48–72 hour target service window upon review and account verification. Verified funds are transferred to the registered bank account.
6. 11.6Public holidays and banking outages are excluded from the target service window.
7. 11.7Open refund cases may hold payout processing until resolved. In cases of bank discrepancies, incomplete user information, suspicious activity, or legal mandates, Daanex may pause payouts pending resolution and notify the creator.
8. 11.8In the event of account termination, verified remaining balances will be settled following final account reconciliation, after deducting open refunds and subject to legal impediments.
9. 11.9Creator earnings cannot be forfeited due to membership expiration or unused credit invalidation.
10. 11.10Every payout request, status change, hold, and settlement is recorded in the creator's dashboard and in the platform's financial records.
11. 11.11Daanex does not provide statutory accounting, tax filing, or Moadian services. Creators are responsible for their own tax and accounting compliance in relation to their earnings.

12 · Article

Refunds, Cancellations and Financial Discrepancies

1. 12.1Refund requests, purchase cancellations, or payment disputes must be submitted through official Daanex support channels.
2. 12.2Claims are evaluated based on service status, transaction logs, purchase type, and applicable e-commerce consumer protection laws.
3. 12.3Internal policies shall not restrict or override statutory rights of cancellation under applicable electronic commerce regulations.
4. 12.4In cases of duplicate charges, processing errors, or platform system faults, funds will be adjusted or refunded upon verification.
5. 12.5Refund requests are processed through the platform's standard refund workflow. Where a refund is granted, it is processed as a standard refund case and the outcome is recorded.
6. 12.6A refund reverses the commission on the same sale. Paid and unpaid earnings are accounted for separately.
7. 12.7Withdrawing paid content from sale requires the creator to cut paid access, estimate the affected orders, provide full funding for the refund amount, and complete the platform's withdrawal review. The refund basis is the actual payment for each order. Withdrawing a lesson that belongs to a bundle refunds the whole bundle order once.
8. 12.8Emergency content suspension does not wait for refund funding to be provided.
9. 12.9All refunds and account adjustments will be itemized in the user's financial transaction logs.

13 · Article

Pricing Transparency and Tariff Adjustments

1. 13.1The user dashboard clearly displays current rates for:

• Creator membership fees;
• End-user membership fees;
• Credit and top-up prices;
• Content production and revision fees;
• Minimum paid content prices;
• The platform commission rate.

1. 13.2Daanex reserves the right to adjust rates based on operational costs, economic conditions, and business policy changes.
2. 13.3Rate adjustments will be communicated to users prior to implementation.
3. 13.4Price changes do not retroactively alter settled transactions or established revenue shares.
4. 13.5Existing credit balances are not revalued when prices change; the rules in Article 5 apply.
5. 13.6Any modifications to these policies will be announced in advance and applied in accordance with original purchase terms and statutory law.

14 · Article

Financial Supervision and Transaction Security

1. 14.1Daanex reserves the right to audit account activities and financial transactions to prevent fraud, abuse, unauthorized access, or regulatory breaches.
2. 14.2If suspicious activity is detected, Daanex may temporarily restrict financial transactions or payouts pending investigation.
3. 14.3Users and creators must provide requested identity verification or updated banking details through official security channels when prompted.
4. 14.4Financial restrictions will remain proportional to the issue and include notification and dispute rights wherever feasible.
5. 14.5Full logs of credit purchases, credit usage, content sales, commissions, accrued revenue, and payouts will be recorded within the accounting engine.
6. 14.6Finance and administration operations are role-based and protected by a second authentication factor. Payout and refund transactions are recorded in the platform's financial records.
7. 14.7Sensitive audit events are retained for 180 days and archived, and financial records are retained for the period required by applicable law.

15 · Article

Validity and Policy Modifications

1. 15.1This document constitutes the core financial and credit framework of Daanex.
2. 15.2Specific transaction terms presented at checkout complement these general policies.
3. 15.3Amendments to these policies will be disclosed transparently and will apply to past transactions only to the extent permitted by law while protecting established user rights.
4. 15.4In the event of a conflict between these terms and applicable national statutes, statutory regulations shall prevail.
5. 15.5This policy functions as a supplement to the Daanex Terms of Service and Privacy Policy. Together they form the platform's published terms.