Refund Policy

Effective Date: November 12, 2025 Last Updated: March 18, 2026

At GQV.ai, we are committed to transparency and fairness in all transactions. This Refund Policy explains our subscription model, credit quota system, automatic refunds, and 7-day money-back guarantee.

1. Understanding Our Subscription Model

1.1 How Subscriptions Work

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

Starter Plan: $19/month - 150 credits/month
Pro Plan: $49/month - 500 credits/month
Agency Plan: $99/month - 1,000 credits/month

Key Points:

Subscriptions are billed monthly or annually (annual plans save up to 60%)
Your credit quota resets on your subscription renewal date each month
Unused credits 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 credit balance reverts to the base free quota (10 credits)

1.2 Monthly vs. Annual Subscriptions

Monthly: Billed every month, can cancel anytime
Annual: Billed once per year, save up to 60% (Starter: $180/year, Pro: $348/year, Agency: $468/year)
Annual subscribers' credit quotas reset monthly (on the same date each month)

2. How Credit 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: Credits are temporarily held (pre-authorized) from your monthly quota
If generation succeeds: Credits are deducted from your balance
If generation fails: Credits 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 credits
Start generation: -30 credits (pre-authorized, temporary hold)
  ↓ Generation processing...
Success → Balance: 70 credits (30 credits deducted)
Failure → Balance: 100 credits (30 credits 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 7 days of your initial purchase or renewal if:

✅ Time Requirement: Payment was made within the last 7 days (168 hours) ✅ Usage Requirement: You have at least 50% of your monthly credit quota remaining ✅ Account Limit: You have not exceeded 2 refund requests (lifetime limit per account)

3.2 Refund Calculation for Subscriptions

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

Example (Pro Plan):
- Subscription: $49/month for 500 credits
- Used: 100 credits
- Remaining: 400 credits (80%)
- Eligible: ✅ Yes (>50% remaining, within 7 days)
- Refund: (400/500) × $49 - Processing fee
- You receive: ~$38 (after payment processing fee deduction)

3.3 Annual Subscription Refunds

For annual subscriptions:

7-day money-back guarantee applies to the initial annual payment only
If you used less than 50% of your first month's quota within 7 days, you're eligible for a full refund
Subsequent monthly quota resets do not qualify for new 7-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 7 days)
- We check remaining credit 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 credit balance reverts to the base free quota (10 credits)
No prorated refunds are provided for mid-cycle cancellations outside the 7-day window

3.6 What Happens After 14 Days

Subscription fees become non-refundable after the 7-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 credits when technical failures occur:

4.1 When Auto-Refunds Happen

Content Generation Failures: If content creation fails due to system errors, credits 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, credits are refunded

4.2 No Action Needed

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

4.3 Our Success Rates

Content Generation: 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 Credits After Quota Reset

Once your monthly quota resets, the previous month's unused credits 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 7-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 credit quota remaining
This prevents "use most, then refund" abuse
Calculated as: (Remaining Credits / 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 | 150 credits | 30 credits | 120 credits (80%) | ✅ Yes | | Moderate use | 500 credits | 250 credits | 250 credits (50%) | ✅ Yes (exactly 50%) | | Heavy use | 1,000 credits | 600 credits | 400 credits (40%) | ❌ No (under 50%) | | No usage | 150 credits | 0 credits | 150 credits (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: $49/month (Pro Plan)
Processing fee: ~$1.72 (paid to Stripe/Creem, non-recoverable)
We receive: $47.28

Refund request: 80% of quota unused
Refund base: $49 × 80% = $39.20
Processing fee deduction: $1.72
Final refund: $39.20 - $1.72 = $37.48

(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)
Credits 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 credit 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 credit quota resets automatically on your subscription renewal date
Unused credits 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 credits (except they don't roll over)

10.3 Account Closure

Voluntary Closure: Remaining credits are forfeited (no refunds outside 7-day window)
Involuntary Closure (Terms Violation): Credits forfeited, no refunds
Exception: If account closed in error, credits may be refunded after investigation

11. Transparency and Trust

11.1 Why This Policy Exists

Fair to Users: 7-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

v3.1 - January 17, 2026: Product positioning update
v3.0 - December 22, 2025: Updated for subscription-based model
v2.0 - November 12, 2025: Added 7-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: March 18, 2026

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!