Join Poimne

B2B sales and refund responsibility

B2B purchases from businesses, vendors, and churches must be paid through Poimne checkout when available. All B2B sellers, including churches, pay Poimne a platform fee of 3% of the item subtotal, excluding shipping and taxes, plus the actual Stripe processing fees. Buyers pay the listed item price, disclosed shipping, and applicable taxes; these seller fees are not added again to the buyer total. Sellers must not redirect these purchases to off-platform payment. Shipping and physical returns are arranged directly between buyer and seller; Poimne is not the carrier or fulfillment provider. If checkout is unavailable, do not accept an order or payment through an alternative Poimne flow. The seller is responsible for documented original processing fees retained by Stripe and applicable dispute costs attributable to the seller’s transaction, subject to applicable law and payment-provider rules. Poimne returns its platform fee on a full refund and returns the proportional platform fee on a partial refund. These costs must not automatically reduce a buyer’s approved refund. No additional punitive fine is imposed. Platform-caused errors and incorrectly assigned costs must be reviewed and corrected. Documented unrecovered seller costs pause new B2B orders until resolved. Three confirmed lost chargebacks with a processing or dispute fee loss in a rolling 90-day period trigger a selling restriction and administrative review. Ordinary refunds and pending or won disputes do not count toward that threshold. Poimne may restrict or suspend B2B selling for repeated failures, fraud, or attempts to evade restrictions, based on a documented review of volume, circumstances, and corrective action. Restrictions do not remove access to existing order records, support, or refund obligations. These B2B rules do not change free general-member cash marketplace listings or separate paid advertisement placement fees. Payment collection, fee recovery, refunds, and dispute automation are not yet enabled for B2B sales. The policy does not guarantee recovery of vendor debts or eliminate Poimne’s obligations to Stripe or buyers. Seller acceptance and verified payment integration are required before paid B2B selling launches.

Shipping and Seller Responsibility

Businesses, churches, and vendors may arrange shipping for their own sales. All other platform members must follow the non-shipping rule: physical goods are exchanged through in-person pickup; permitted digital materials may be delivered electronically. An individual member does not gain shipping permission merely by belonging to a church or buying from a vendor. Shipping is arranged independently by the seller and its chosen carrier. Poimne is not affiliated with vendor shipping operations and does not act as the carrier, shipping agent, insurer, or fulfillment provider. Sellers are responsible for packaging, shipping charges, dispatch, tracking, delivery communications, returns, and legally required refunds. To the extent permitted by law, Poimne does not accept responsibility for seller-arranged shipping, including delays, loss, damage, or non-delivery. Nothing in this policy excludes obligations or consumer rights that cannot lawfully be excluded.

Data Privacy

Your personal information is encrypted at rest and in transit. Access is restricted to authorized pastoral staff and platform administration under strict role-based controls.

30-Day Purge Rule

Sensitive support conversations, chat logs, and care triage records are automatically purged 30 days after resolution. No indefinite retention of personal data.

Stripe Transactional Processing

All payments are processed exclusively through Stripe’s PCI-compliant infrastructure. Poimne never stores, reads, or retains your full card or bank account numbers.