Refund and Returns Policy

1. Nature of the service

IKU LOBI OCHA is a digital subscription service (on-demand digital content/service, not a physical product). This policy explains when you are entitled to a refund and how to request one.

2. Right of withdrawal (14 days) and its exception for digital content

If you subscribe as a consumer from the European Union, you are legally entitled to 14 calendar days from purchase to withdraw at no cost and without justification. However, consumer regulations provide a specific exception for the supply of digital content/services: if you expressly agree that access to the service begins immediately and acknowledge that this means losing your right of withdrawal, that right ends as soon as you start using the purchased service.

In practice: if you subscribe to a paid plan and never use any paid feature, you may request withdrawal within 14 days. If you have already used AI credits, premium tools or other features of the plan, the service is considered already performed and the withdrawal right no longer applies to that already-used portion.

3. Cases where a refund applies

• A duplicate or erroneous charge caused by a billing technical error.
• A charge made after you correctly cancelled your subscription.
• Subscribing to a paid plan without using any paid feature, within the 14-day window described above.
• Prolonged inability to use the service due to a cause attributable to us (for example, a severe and sustained Platform outage preventing you from using the features you paid for).

4. Cases where no refund applies

• Cancelling before the already-paid period ends: you keep access until the end of that period, but the unused portion is not refunded.
• Having used AI credits, premium tools, or other plan features during the billed period.
• Being unsatisfied with the creative result of an AI generation that completed successfully (for example, a clip or image generated without technical errors, but that does not match what you expected).
• Simply changing your mind after already using the service.

5. AI credits — automatic refund

This is different from a monetary refund: if an AI generation job fails due to a system error, the credits it consumed are automatically returned to your account without you needing to request it. You can verify this in your credits history.

6. How to request a refund

1. Email us at the contact address at the bottom of this page, including your account email, the invoice number or charge reference, and the reason for your request.
2. We review the request against our billing and service-usage records.
3. If approved, the refund is processed through the same payment method used for the original charge (Stripe or PayPal), typically within 5 to 10 business days, subject to the payment provider's own timelines.

If you disagree with our decision, you may ask us to review it again before contacting your bank or payment provider; opening a chargeback without contacting us first can delay resolution and, in cases of bad faith, may result in account suspension.

7. Creator Marketplace

Once this feature is active: purchases of digital Marketplace items (stickers, overlays from other creators) follow the same general rules — once an item is downloaded or used, it is considered already-delivered digital content and is generally non-refundable, except in cases of technical error, a defective item, a duplicate charge, or the item not matching the seller's description. Disputes are handled through our support, which may refund the buyer and adjust the seller's balance and commission accordingly.

8. Referral program and commission adjustments

If a referred user's purchase is refunded or reversed for any reason, the commission generated by that purchase is voided or deducted from your pending balance, since commissions are calculated on revenue actually collected.

9. Changes to this policy

We may update this Refund and Returns Policy to reflect new features (such as the Marketplace or automated payouts) or legal changes. The last-updated date appears at the top of this page.