Refund & Cancellation Policy

This Policy explains how subscriptions renew, how to cancel, and our refund practices. It is part of our Terms of Service.

Who bills you. Web purchases are processed by Polar (polar.sh), our merchant of record. Polar handles the payment, issues your invoice or receipt, and applies any sales tax or VAT. Charges may appear on your statement under Polar's name. Mobile purchases are billed by Apple or Google.

1. Subscriptions and Automatic Renewal

• Cosmic AI subscription plans (e.g., Cosmic Spark, Cosmic Voyager, Cosmic Galactic) are recurring.
• Your subscription automatically renews at the end of each billing period (monthly or yearly) at the then-current price, until you cancel.
• Before you subscribe, we clearly show the price, billing frequency, and renewal terms at checkout and obtain your affirmative consent, as required by law.
• We will send a reminder before annual renewals (and where required, before price changes), to the email on your account.
• Annual plans are paid up front for the year. Their credits are provided on a monthly schedule over the subscription year, not all at once.

2. How to Cancel

• Web: open Settings → Subscription → Cancel. Cancellation is available online in a few clicks.
• iOS: manage or cancel through your Apple ID → Subscriptions.
• Android: manage or cancel through Google Play → Subscriptions.
• You may also email [email protected] for help.
• When you cancel, you keep access and your remaining credits until the end of the current paid period; your plan simply will not renew after that. Cancelling by itself does not remove credits and is not a refund.
• After scheduling a cancellation you can still switch to another plan at any time; subscribing to a new plan replaces the cancelled one.

3. Refunds

Because AI providers charge us in real time as your requests are processed, payments are generally final and non-refundable, except:

• Legal rights. Where a refund or cancellation right is required by law (including certain state auto-renewal and consumer-protection laws), we honor it. As merchant of record, Polar may also process refunds required by consumer law.
• Duplicate/erroneous charges and charges resulting from our billing error.
• Failed service. If a technical failure on our side prevents delivery of a purchased request, we restore the affected credits or refund the charge.
• Discretionary. We may issue a refund at our discretion for goodwill.

To request a refund, contact [email protected]. Approved refunds are returned to your original payment methodby Polar; banks typically post them within 5–10 business days.

Mobile purchases. Purchases made through Apple or Google are subject to their refund policies and must generally be requested through Apple or Google, not us.

4. Effect of a Refund on Credits and Access

Credits are the product your payment buys. When a payment is refunded, the credits that payment provided are deducted from your wallet:

• Full refund: we deduct all credits that the refunded payment provided, including any bonus credits granted with it. For annual plans this means the credits provided for the part of the year already delivered.
• Partial refund: we deduct a proportional amount of those credits.
• The deduction is taken from your available balances in order (subscription, then bonus, then purchased credits). Your balance is never taken below zero.
• A full refund of your current plan ends that subscription immediately, including access to its features; access does not continue to the end of the billing period.
• Every deduction is recorded in your credit ledger, and we email you when it happens. If anything about a deduction looks wrong, contact [email protected] and our team will review and correct it where appropriate.

5. Credits

• Subscription credits are provided for each billing cycle and reset at the end of the cycle; they are not refundable and do not carry a cash value.
• Bonus credits we grant (for example with annual plans or promotions) have no cash value and may be removed if the related payment is refunded.
• Top-up (purchased) credits do not expire and remain available until used. Purchased credits are non-refundable except as stated in Section 3, and have no cash value.
• On account termination, unused subscription credits are forfeited; contact us regarding unused top-up credits.

6. Price Changes

We may change subscription prices or credit rates. Changes apply to future billing periods only, and we will give you advance notice and, where required, obtain your consent before a renewal at a new price.

7. Contact

Billing questions: [email protected] · Bindu Intelligence LLC, Bindu Intelligence LLC, Delaware, USA