Refund Policy

Effective Date: November 12, 2025 Last Updated: December 22, 2025 (Subscription Model Update)

At GQV.ai, we are committed to transparency and fairness in all transactions. This Refund Policy explains our subscription model, gem quota system, automatic refunds, and 14-day money-back guarantee.

1. Understanding Our Subscription Model

1.1 How Subscriptions Work

GQV.ai operates on a subscription-based model with monthly gem quotas:

Creator Plan: $39/month - 4,000 gems/month
Influencer Plan: $59/month - 6,500 gems/month + unlimited standard images + unlimited image-to-prompt
Studio Plan: $89/month - 10,000 gems/month + unlimited standard images + unlimited image-to-prompt

Key Points:

Subscriptions are billed monthly or annually (annual plans save up to 26%)
Your gem quota resets on your subscription renewal date each month
Unused gems do NOT roll over to the next month
If you cancel, your subscription remains active until the end of your current billing period
After cancellation, your gem balance reverts to the base free quota (20 gems)

1.2 Monthly vs. Annual Subscriptions

Monthly: Billed every month, can cancel anytime
Annual: Billed once per year, receive double gems on first month, save up to 26%
Annual subscribers' gem quotas reset monthly (on the same date each month)

2. How Gem Consumption Works

2.1 Pre-Authorization and Final Charge

GQV.ai uses a pre-authorization system to ensure fair pricing:

When you start a generation: Gems are temporarily held (pre-authorized) from your monthly quota
If generation succeeds: Gems are deducted from your balance
If generation fails: Gems are immediately released back to your account (automatic refund)

This means you only pay for successful generations. Failed generations never charge you.

2.2 Example

Your balance: 100 gems
Start generation: -5 gems (pre-authorized, temporary hold)
  ↓ Generation processing...
Success → Balance: 95 gems (5 gems deducted)
Failure → Balance: 100 gems (5 gems refunded automatically)

3. Subscription Refund Policy (14-Day Money-Back Guarantee)

3.1 Eligibility for Subscription Refunds

You can request a full or partial refund of your subscription within 14 days of your initial purchase or renewal if:

✅ Time Requirement: Payment was made within the last 14 days (336 hours) ✅ Usage Requirement: You have at least 50% of your monthly gem quota remaining ✅ Account Limit: You have not exceeded 2 refund requests (lifetime limit per account)

3.2 Refund Calculation for Subscriptions

Refund Amount = (Remaining Gems / Monthly Quota) × Subscription Fee - Processing Fee

Example (Influencer Plan):
- Subscription: $59/month for 6,500 gems
- Used: 1,500 gems
- Remaining: 5,000 gems (76.9%)
- Eligible: ✅ Yes (>50% remaining, within 14 days)
- Refund: (5,000/6,500) × $59 - Processing fee
- You receive: ~$44.23 (after payment processing fee deduction)

3.3 Annual Subscription Refunds

For annual subscriptions:

14-day money-back guarantee applies to the initial annual payment only
If you used less than 50% of your first month's quota within 14 days, you're eligible for a full refund
Subsequent monthly quota resets do not qualify for new 14-day windows
You can cancel anytime (no refund, but access continues until end of annual term)

3.4 How to Request a Subscription Refund

Email us at support@gqv.ai with:
- Your account email address
- Order/Transaction ID
- Reason for refund (optional but helpful)
Processing Time:
- We review within 24 business hours
- Approved refunds processed within 5-10 business days
- Refund issued to original payment method
Verification:
- We verify payment date (within 14 days)
- We check remaining gem balance (≥50% of monthly quota)
- We confirm refund count (≤2 lifetime refunds)

3.5 Subscription Cancellation (No Refund)

You can cancel your subscription at any time from your account settings
Cancellation takes effect at the end of your current billing period
You retain access to your subscription features until the billing period ends
After the billing period ends, your gem balance reverts to the base free quota (20 gems)
No prorated refunds are provided for mid-cycle cancellations outside the 14-day window

3.6 What Happens After 14 Days

Subscription fees become non-refundable after the 14-day window
However, you can cancel anytime to prevent future charges
Your subscription remains active until the end of your current billing period
No pressure - use your subscription at your own pace

4. Automatic Refunds for Failed Generations

We automatically refund gems when technical failures occur:

4.1 When Auto-Refunds Happen

Character Training Failures: If character creation fails due to system errors, gems are automatically refunded
Generation Failures: Image or video generation failures due to server issues trigger immediate refunds
Service Downtime: If our service is unavailable during generation, gems are refunded

4.2 No Action Needed

Refunds are fully automatic (processed within seconds)
Gems return to your balance immediately
You receive a notification when gems are refunded
No need to contact support

4.3 Our Success Rates

Character Training: 95%+ success rate
Image Generation: 98%+ success rate
Video Generation: 97%+ success rate

You never pay for our technical errors.

5. What Cannot Be Refunded

5.1 Successfully Generated Content

Successful generations are non-refundable, even if you dislike the output
Reason: AI generation is variable and depends on your prompts, parameters, and input
Recommendation: Test with lower-cost features first before committing to expensive generations

5.2 User Error

The following do not qualify for refunds:

Incorrect prompts or parameter settings
Selecting the wrong character or model
Uploading low-quality input images
Misunderstanding how AI generation works

5.3 Subjective Quality Judgments

"I don't like the result"
"The output is not what I imagined"
"The character looks different than expected"
These are subjective and not covered by refunds

5.4 After Downloading or Using Content

Downloaded content is considered accepted
Commercial use of content means you have accepted the output
No refunds after actively using generated content

5.5 Subscription Gems After Quota Reset

Once your monthly quota resets, the previous month's unused gems are forfeited
This is clearly communicated in our subscription terms
Plan your usage accordingly to maximize value

6. Refund Limits and Anti-Abuse

6.1 Lifetime Refund Limit

Each account is limited to 2 refund requests (lifetime)
This applies to the 14-day money-back guarantee only
Automatic refunds for technical failures are unlimited

6.2 Minimum Remaining Quota

You must have at least 50% of your monthly gem quota remaining
This prevents "use most, then refund" abuse
Calculated as: (Remaining Gems / Monthly Quota) × 100%

6.3 Why These Limits

Prevent Abuse: Unlimited refunds enable exploitation (generate, refund, repeat)
Protect Costs: We incur real computational costs for every generation
Fair to All Users: Limits ensure the service remains affordable and sustainable

6.4 Examples

| Scenario | Monthly Quota | Used | Remaining | Eligible? | |----------|---------------|------|-----------|-----------| | Light usage | 4,000 gems | 1,000 gems | 3,000 gems (75%) | ✅ Yes | | Moderate use | 6,500 gems | 3,250 gems | 3,250 gems (50%) | ✅ Yes (exactly 50%) | | Heavy use | 10,000 gems | 6,000 gems | 4,000 gems (40%) | ❌ No (under 50%) | | No usage | 4,000 gems | 0 gems | 4,000 gems (100%) | ✅ Yes |

7. Payment Processing Fees

7.1 Refund Deductions

When you subscribe, payment processors (Stripe/Creem) charge fees:

Processing Fee: ~2.9% + $0.30 per transaction

Important: These fees are non-refundable and will be deducted from your refund amount.

7.2 Example Calculation

Subscription: $59/month (Influencer Plan)
Processing fee: ~$2.01 (paid to Stripe/Creem, non-recoverable)
We receive: $56.99

Refund request: 77% of quota unused
Refund base: $59 × 77% = $45.43
Processing fee deduction: $2.01
Final refund: $45.43 - $2.01 = $43.42

(May vary slightly based on payment processor's fee structure)

7.3 Why Deduct Fees?

Payment processors do not refund their fees when we refund customers
This is industry standard (Apple, Google, Steam all follow this practice)
The deduction covers our actual cost, not profit

8. Special Circumstances

8.1 When to Contact Support

Contact support@gqv.ai for exceptional cases:

Billing Errors: Charged incorrect amount
Duplicate Charges: Same transaction processed multiple times
Account Compromise: Unauthorized use of your account
Service Misrepresentation: Service did not function as documented

8.2 Response Time

Initial Response: Within 48 business hours
Resolution: Within 5-7 business days
Refund Processing: 5-10 business days after approval

8.3 Exceptions

We cannot refund:

Subscription fees used more than 30 days ago
Subscriptions purchased from third-party resellers (only direct purchases)
Gems used in violation of our Terms of Service
Accounts terminated for policy violations

9. Chargeback Warning

9.1 Contact Us First

Before filing a bank chargeback:

Email support@gqv.ai
Allow 48 hours for response
Most issues can be resolved amicably

9.2 Chargeback Consequences

Filing a chargeback may result in:

Immediate account suspension
Loss of remaining gem balance
Permanent ban from creating new accounts
Potential legal action to recover costs

9.3 Why Chargebacks Are Harmful

Payment processors charge us $15-$25 per chargeback (even if we win)
Excessive chargebacks can terminate our payment processing ability
This hurts all users by threatening the service's viability

10. Subscription and Quota Management

10.1 Monthly Quota Reset

Your gem quota resets automatically on your subscription renewal date
Unused gems from previous month do NOT roll over
Example: If you subscribe on the 15th, your quota resets on the 15th of each month
You can view your next reset date in your account dashboard

10.2 No Minimum Usage Requirements

No minimum usage requirements
Use your quota at your own pace throughout the month
No penalty for unused gems (except they don't roll over)

10.3 Account Closure

Voluntary Closure: Remaining gems are forfeited (no refunds outside 14-day window)
Involuntary Closure (Terms Violation): Gems forfeited, no refunds
Exception: If account closed in error, gems may be refunded after investigation

11. Transparency and Trust

11.1 Why This Policy Exists

Fair to Users: 14-day window gives you time to test our service
Fair to Us: Limits prevent exploitation while covering real costs
Industry Standard: Similar to Apple App Store, Google Play, Steam refund policies

11.2 Our Commitment

We never charge for failed generations
We always honor legitimate refund requests within policy
We maintain transparent success rates (95-98%)
We respond to support requests within 48 hours

12. Changes to This Policy

12.1 Policy Updates

We may update this policy as our service evolves
Material changes announced via email to registered users
Continued use after changes = acceptance
Previous subscriptions governed by policy at time of purchase

12.2 Version History

v3.0 - December 22, 2025: Updated for subscription-based model
v2.0 - November 12, 2025: Added 14-day money-back guarantee, clarified pre-authorization system
v1.0 - November 12, 2025: Initial Refund Policy published

13. Contact Information

For refund requests or questions:

Email: support@gqv.ai
Subject Line: "Refund Request - [Your Email]"
Response Time: Within 48 business hours
Business Hours: Monday-Friday, 9AM-6PM UTC

Related Policies:

Terms of Service - Full legal agreement
Privacy Policy - Data handling
Community Guidelines - Acceptable use
DMCA Policy - Copyright issues

Last Updated: December 22, 2025

By using GQV.ai, you acknowledge that you have read, understood, and agree to be bound by this Refund Policy.

Questions? Email us at support@gqv.ai - we're here to help!