Refund Policy

1. Digital delivery

Licenses are normally issued automatically after Creem confirms payment. Because access is delivered digitally and can be used immediately, refund eligibility depends on whether the license or AI service has been used and whether the product was delivered as described.

2. Eligible refund situations

• Duplicate or clearly erroneous charges.
• A paid license was not issued and support cannot restore delivery.
• A persistent technical defect prevents use of the purchased product and cannot be resolved within a reasonable time.
• A refund is required by applicable law or Creem’s payment policies.

3. Generally non-refundable situations

• The license has been successfully delivered and used to generate an AI report.
• Dissatisfaction based only on the subjective style, interpretation, or predictive value of an automatically generated report.
• Loss of a locally stored key when the purchase can still be verified and restored through support.
• Natural expiry of an AI Advisor Pass after it has been used, including any unused remainder of its validity period.
• Violation of these Terms of Service or attempted abuse of the service.

4. How to request a refund

Email [email protected] within 14 days of purchase with the purchase email, product name, checkout or order identifier if available, and a description of the issue. Do not send full card details. We aim to respond within three business days. Approved refunds are processed through Creem to the original payment method; bank processing times may vary.

5. Creem and statutory rights

Creem acts as Merchant of Record and may process refunds to prevent disputes or comply with its obligations. This policy does not limit non-waivable consumer rights under applicable law.