Refund and Cancellation Policy

This policy is part of the Payani.ai Terms of Service. It explains what happens when you cancel, what is refundable, and what happens to your data.

We have tried to make this short and clear. If anything is unclear, email support@payani.ai and ask before you buy.

The short version

1. The free trial

The trial is 14 days and needs no credit card, so there is nothing to cancel and nothing to charge back.

If you do not subscribe by the end of it, your account moves to a limited state. We do not delete your data. You can subscribe later and pick up where you left off.

You are never charged automatically at the end of a trial. You have to choose a plan.

2. Cancelling a monthly plan

Cancel any time from your billing settings. It takes a few clicks and there is no retention call.

What happens:

• Your cancellation takes effect at the end of the period you have already paid for
• You keep full access until then
• You are not charged again
• We do not refund the unused part of the period

So if you pay on the 5th and cancel on the 20th, you keep working until the 5th of the next month and then the account closes.

3. Cancelling an annual plan

Within the first 30 days of a new annual subscription, you can cancel for a pro rata refund. We refund the unused months, keep the months you used, and charge those used months at the annual rate rather than repricing them at the monthly rate.

After 30 days, annual plans are not refundable. You keep access until the end of the year you paid for and it does not renew.

The 30 day window applies to a new annual subscription, not to each renewal.

4. Extra seats

Seats added mid period are charged pro rata for the rest of that period.

Seats removed mid period stop being charged from your next renewal. We do not refund a seat you have already paid for in the current period.

5. Credit top up packs

Top up packs are not refundable. Once credits are added to your balance, the purchase is final.

This is because credits are spent immediately on AI work that costs us real money at the moment you use it, and there is no way to unpick a partly spent pack.

Two exceptions:

• If a technical fault on our side caused credits to be charged for work that failed and they were not automatically refunded, tell us and we will credit your account
• If a pack was bought in error and none of it has been used, contact us within 7 days and we will refund it

6. What happens to unused credits

Unused credits are forfeited when your subscription ends. They are not refunded and they cannot be transferred.

This applies to credits included with your plan and to credits you bought in a top up pack.

Credits have no cash value at any point. While your subscription is active they roll over from period to period, but they are a right to use the service, not stored money.

Downgrading a plan does not remove credits already in your balance. Your monthly allowance changes to the new plan's amount from your next renewal.

The code behaviour on downgrade, cancellation, and account deletion is unverified. This section states the intended policy. If the code does something different, the code must change to match this, not the other way round. A customer who cancels and finds credits they paid for were quietly removed earlier than stated will file a chargeback and win.

7. Auto reload

If you turned on credit auto reload, cancelling your subscription does not automatically stop it. Turn auto reload off in your billing settings before you cancel, or check that it is off after.

We will not charge auto reload once your account is closed, but check anyway.

That last sentence must be true in code. An auto reload charge firing against a cancelled account is the worst possible billing bug.

8. Refunds we do not give

To be direct about it, we do not refund for:

• Changing your mind after the period has started
• Not using the service during a period you paid for
• Suspension or termination because of a breach of the Terms or the Acceptable Use Policy
• Downtime, outages, or performance problems, since there is no uptime guarantee on any plan
• AI output you were not happy with, where the AI worked as intended
• Results, including search rankings, AI search visibility scores, email deliverability, lead volume, or revenue
• A third party integration becoming unavailable because that provider changed their rules

Where the law in your state gives you a refund right that this policy does not, the law wins.

9. When we refund without being asked

• An AI action was charged and the work failed
• You were billed twice for the same thing
• You were charged after cancelling
• We ended your subscription for our own convenience, in which case we refund the unused prepaid part

10. How to request a refund

Email support@payani.ai with your account email and what happened. We respond within 3 business days and process approved refunds within 10 business days back to the original payment method.

11. Chargebacks

If something is wrong, email us first. We would rather fix it.

Filing a chargeback without contacting us usually means the account gets suspended while the bank investigates, which is slower and worse for you than a refund would have been.

12. Your data after cancellation

1. Immediately. Your account closes and you can no longer sign in and use the platform.
2. For 30 days. Your data is kept. Subscribing again restores everything exactly as it was.
3. After 30 days. We permanently delete it. This cannot be undone.

Save anything you need before you cancel. Full account export is not available yet. Individual articles can be downloaded, and if you need a copy of your data before closing your account, email support@payani.ai and we will help.

What survives deletion, because we have to keep it:

• Billing and tax records, for as long as the law requires
• Records needed to defend a legal claim
• Suppression records, meaning addresses that unsubscribed or complained, which we keep so those people are not emailed again by anyone
• Data in backups, until those backups are overwritten on our normal cycle

Deleting your account before the 30 days is up. Email privacy@payani.ai and we will delete it sooner.

13. If we end your subscription

For convenience, with 30 days notice, we refund the unused prepaid part of your subscription. Credit packs are not refunded.

For breach of the Terms or the Acceptable Use Policy, no refund is given, and we may close the account immediately.

14. Changes to this policy

We may update this policy. The version that applies to you is the one in force when you paid. Material changes get at least 30 days notice.

Payani Media LLC, doing business as Payani.ai 600 California Street, Floor 11, San Francisco, CA 94108 support@payani.ai