RATIO READY: TERMS OF PURCHASE & REFUND POLICY

1. Credit-Based Model

1.1 Creative Credits

RatioReady runs on Creative Credits. You can buy a one-time credit pack (Boost, Stack or Studio) at any time, or subscribe to a monthly or yearly plan (Seller or Shop) that adds credits every month. Packs work with or without a plan, and you can cancel a plan at any time.

1.2 Immediate Allocation

Credits are added to your account balance immediately upon successful payment confirmation.

1.3 Expiration

Credits from a credit pack expire after the period shown when you buy it: Boost 60 days, Stack 120 days, Studio 180 days. Credits from a subscription are valid for the billing month and do not roll over. Expired credits are not refundable.

2. Billing & Merchant of Record

2.1 Fungies Inc.

All financial transactions are handled by our Merchant of Record, Fungies Inc. They are the legal entity responsible for payment processing, global tax collection (VAT/Sales Tax), and PCI-compliant security.

2.2 Statement Descriptor

When you purchase credits, the charge will appear on your credit card or bank statement as:

FUNGIES YOURBRANDASSIST*

Please ensure you recognize this descriptor to avoid unnecessary disputes or account freezes.

3. Refund Policy

3.1 All Sales Are Final

Due to the high-compute GPU costs associated with AI image processing and the instant delivery of digital credits, all purchases are non-refundable.

3.2 Automated Failure Protection

We stand by the reliability of our engine:

• Automatic Refunds: If an image processing task fails due to a system error, server timeout, or API malfunction on our end, the Creative Credits used for that specific job will be automatically and instantly returned to your balance.
• Technical Support: If you experience a failure that was not automatically refunded, please email support@ratioready.com with your Job ID within 7 days.

3.3 No Cash Value

Creative Credits are a functional unit of the RatioReady service; they have no cash value and cannot be "cashed out" or refunded back to your original payment method.

4. Disputes & Chargebacks

4.1 Resolution First

You agree to contact RatioReady support to resolve any billing issues before contacting your bank.

4.2 Chargeback Consequences

Since we provide an automated refund for technical failures, any fraudulent chargeback (claiming you didn't receive credits that were actually used) will result in the immediate and permanent termination of your account and API access.

5. Usage Responsibility

Credits are consumed based on the successful initiation of a job. Credits will not be refunded for:

• User errors (e.g., selecting the wrong aspect ratio).
• Poor quality source images (the AI can only upscale what you provide).
• "Change of mind" after a job has been processed.