Legal

Purchase & Refund Policy

Effective date: September 17, 2026 · Web Stripe purchases

This policy explains CardySync website purchases via Stripe (Plus subscription and credit top-ups), how AI credits work, and when refunds may or may not apply.

1. Who this policy covers

This Purchase & Refund Policy (“Policy”) applies to digital purchases made on the CardySync website (cardysync.com and related web app pages) through Stripe, operated by Guitarlo Company Ltd.

This Policy does not apply to Apple App Store or Google Play in-app purchases.

By starting Checkout, you confirm that you have read and agree to this Policy.

2. Products and pricing

  • CardySync Plus — Monthly subscription. While Plus is active, your shared AI credit balance (aiCredit) is reset to 100 each billing period (unused credits do not roll over). Priced in USD as shown at Stripe Checkout.
  • Quick top-up — One-time +80 aiCredit for signed-in Free or Plus users. Priced in USD.
  • Bulk top-up — One-time +200 aiCredit for active Plus users only. Priced in USD.
  • Final charge amount and any bank/card FX conversion are as shown by Stripe and your payment provider.
  • Purchases grant digital credits and/or subscription access for CardySync AI features (for example OCR Scan, AI Transcribe, AI Summary). Credits are not cash and have no cash surrender value.

3. How credits work (Free vs Plus)

Shared wallet: OCR Scan, AI Transcribe, and AI Summary draw from the same aiCredit balance.

Free plan

  • New Free accounts typically start with welcome credits per Free plan config (commonly 20).
  • Once per Hong Kong calendar month, if a Free user’s balance is below the Free monthly minimum (commonly 5), we restore the balance up to that minimum. If the balance is already at or above the minimum, we do not change it.
  • If a Free user buys Quick +80, those purchased credits are kept until used. The monthly Free job does not wipe them down to 5. Phase 1 does not apply a 30-day expiry to top-ups.

Plus plan

  • Each Plus billing-period reset sets aiCredit to 100 (true reset, not +100). Mid-cycle top-ups may raise the balance above 100 until the next reset; at reset, the balance returns to 100.
  • Cancel and remaining credits after Plus ends are described in section 5.

4. Order confirmation

When Stripe reports a successful payment for your Checkout session, the order is confirmed. Credits and/or Plus access are applied by our systems after payment confirmation (usually shortly after Checkout). Stripe receipts are the payment record.

5. Subscriptions, cancel, and renewals (Plus)

  • Plus renews automatically each billing period until you cancel.
  • You may cancel renewal via the Stripe Customer Portal / Billing “Manage billing” flow. Cancellation takes effect at the end of the current paid period (you keep Plus until then).
  • No refund is provided for unused time remaining in a paid Plus period after you cancel, or because you did not use the full 100 credits.
  • When Plus ends, your account returns to the Free plan. Remaining aiCredit is kept; Free-plan rules then apply (including the monthly minimum floor — not a wipe to 5).
  • At each Plus renewal / credit reset, balance is set to 100. Any mid-cycle top-ups above 100 are not carried past that reset.

6. Refund policy

Default: All completed Stripe purchases under this Policy are non-refundable.

Limited exceptions (at our discretion after review): clear system error that prevented delivery of the purchased credits or Plus access; or duplicate charges for the same purchase.

  • Not eligible (examples): change of mind; unused or partially used Plus period or credits; Quick or Bulk top-ups (used or unused), including Free-plan top-ups kept across months until used; credits reset to 100 at the next Plus period; Free credits, rewarded-ad credits, promotions, or trials; card issuer FX differences or bank fees; failure to cancel before renewal if Portal cancel was available.
  • If you believe an exception applies, contact support@cardysync.com with your account email and Stripe receipt / payment proof. We do not promise a fixed reply deadline in days; we will review in good faith.
  • Chargebacks may be handled between you, your card issuer, and Stripe under their rules. We may suspend paid features pending investigation of disputed payments.

7. Free credits, ads, and promotions

Welcome credits, monthly Free minimum restores (floor only), rewarded-ad credits, and any promotional or trial credits are non-refundable and may be changed or ended with notice on the Service.

8. Changes

We may update this Policy by posting a revised version on the website with a new effective date. Continued purchase after the effective date constitutes acceptance of the updated Policy for new purchases.

9. Contact

Guitarlo Company Ltd. For any payment or refund-related questions, please contact:

support@cardysync.com

If you have any questions about this policy, please contact us.