4. Credits, Payments, and Refunds

4.1 Prepaid credits. Use of the Service requires prepaid balance linked to your account ("Credits"). Each API request deducts Credits according to the per-token rates and any other charges shown on our pricing and model pages at the time of the request. You will see the amount you will be charged before you complete any purchase.

4.2 Bonus credits. We may grant additional Credits free of charge, for example as a top-up bonus, a promotion, or through our Affiliate Program ("Bonus Credits"). Bonus Credits are subject to the conditions stated when they are offered, have no cash value, cannot be refunded, withdrawn, or transferred, and are forfeited if the purchase they are attached to is refunded or charged back. We may revoke Bonus Credits obtained through abuse, including by creating multiple accounts.

4.3 Expiry. Credits, including Bonus Credits, do not expire while your account remains active, unless the terms of a specific promotion state otherwise.

4.4 Nature of Credits. Credits are a prepaid right to use the Service. They are not money, e-money, a deposit, or a stored-value instrument, and they carry no interest. Credits may be used only on the Service and cannot be transferred between accounts, sold, or exchanged for cash except as described in Section 4.6 or as required by law.

4.5 Payment processing. Payments are processed by our third-party payment processors, including Stripe, and are charged in U.S. dollars unless stated otherwise at checkout. Your payment is also subject to the processor's terms. We do not receive or store your full card number. Where applicable law requires us to collect taxes on your purchase (such as VAT or GST), we will calculate, show, and charge those taxes at checkout. Otherwise, you are responsible for any bank, currency conversion, or similar fees charged by your payment provider, and for any taxes that apply to your purchase, other than taxes on our income.

4.6 Refunds. You may request a refund of purchased Credits that remain unused by emailing support@a2agent.me within seven (7) days of the purchase. Approved refunds are returned to the original payment method; payment processing fees may be deducted, and any related Bonus Credits are removed. Credits already consumed by API usage are not refundable. After this period, purchased Credits are non-refundable except as described in Section 11 or as required by applicable law. By completing a purchase you request immediate performance and acknowledge that, once performance begins, you lose any statutory right of withdrawal. This does not affect any rights that cannot be waived under applicable law.

4.7 Chargebacks. If you dispute a charge with your bank or card issuer instead of contacting us first, we may suspend your account while the dispute is open. If a chargeback is made for Credits you have already used, we may terminate your account and seek recovery of the amount owed.

4.8 Price changes. Model prices may change, including when Model Providers change their prices. Price changes apply only to requests made after the new price is published on our website. We will give reasonable advance notice of changes to our fee structure (such as new categories of fees) by email or in the dashboard. If you do not accept a change, stop using the affected Models or the Service.