1. Who handles payments
BannerMotion payments and refunds are processed by Paddle, which acts as Merchant of Record. This means Paddle is the party that sells you the service, collects the payment and returns the money when applicable. BannerMotion coordinates the request with Paddle.
2. Subscription plans
You can cancel your plan at any time; cancellation prevents the charge for the next period. [PLACEHOLDER: exact refund window for the first payment and conditions for requesting it.] [PLACEHOLDER: treatment of plan credits already used.]
Plan credits renew every month. [PLACEHOLDER: whether credits for the current month are refunded or not when you cancel.]
3. Credit top-ups
Top-up credits last 12 months from the date of purchase. [PLACEHOLDER: refund conditions for an unused top-up and the deadline to request it.] Credits already spent on generations are not refunded, except as provided in the following section.
4. If something goes wrong
If a generation fails due to a service error, the credits are returned to your balance. If you are not happy with the result, you can request corrections (which use credits according to the pricing plan). [PLACEHOLDER: criteria for refunding credits for a service failure that was not automatically returned.]
5. Rights granted by law
This policy does not limit any return or withdrawal rights that the law of your country grants you as a consumer. [PLACEHOLDER: regional adjustments (for example, the EU and the UK), to be confirmed by legal review together with the Paddle terms.]
6. How to request a refund
Write to [PLACEHOLDER: support or billing email] with your account email and the purchase date, or use the link on your Paddle receipt. We will respond within [PLACEHOLDER: time limit]. Refunds are made to the original payment method, within the period set by Paddle.