It appears I'm in a bit of a bind, and I'm not sure what to do if the artist in question responds negatively to my refund request.
I commissioned an artist only a few days ago for a two character adult image. I paid her promptly, and she said she would not be able to work until next week. All of this was ok for me. I then later learned that at least two of her commissions were partially traced from porn videos, and was shown proof. Needless to say, I am actually very uncomfortable with the thought that my commission could possibly be traced. I sent her a simple note saying:
I'm sorry to have to ask, but may I kindly request a refund?
This is the part where I need advice. I don't really know what to say should she ask me why I am requesting a refund. I don't want to blatantly accuse her of anything, but the overlays I have been shown is enough to make me not want to finish. She has no ToS as far as I've been able to find.
Edit: I spoke to the artist, was honest with her, and found out she has already spent my money. =\ We've worked out a deal where she will finish my work, and I'll just take it as a lesson learned.