Refund and Payment Policy
Effective date: 2026-05-27
Quick summary
- Unused credit packs (0 credits used) are refundable within 7 days from purchase (the payment processing fee is withheld).
- Once any credit is consumed, the credit pack is non-refundable.
- If we fail to deliver due to our technical issue, we restore credits first and support you quickly.
1. Overview
This Refund and Payment Policy governs all credit pack purchases made through DestinyPal. By making a purchase, you agree to these terms. All payments are processed securely through Stripe, a PCI-DSS Level 1 certified payment processor. DestinyPal does not offer recurring subscriptions; all purchases are one-time credit packs.
2. Credit Pack Purchases
Credit Pack Types: We offer various credit packs (Mini, Standard, Plus, Mega, Ultimate) with different quantities and pricing. IMPORTANT - Credit Pack Refund Policy: A) UNUSED Credits (within 7 days of purchase): - Refund available ONLY if zero (0) credits have been used - Refund request must be made within 7 days of purchase date - After 7 days, unused credits are NON-REFUNDABLE - The payment processing fee (~3.5% + ₩300) is withheld from the refund. This fee is not returned by the payment processor (Stripe) on refunds. B) PARTIALLY USED Credits: - NO REFUND for partially used credit packs - Once even 1 credit has been consumed, the entire pack becomes non-refundable - Example: If you purchase a 50-credit Plus Pack and use 1 credit, you cannot receive any refund for the remaining 49 credits C) Credit Validity and Expiration: - Purchased credits are valid for 3 months from purchase date - Expired credits cannot be refunded, extended, or restored - No reminder emails will be sent before expiration D) Credit Usage Tracking: - Credits are consumed at the time of service request, not service completion - Automatic credit restoration — if a reading fails due to a system issue on our end, including: • LLM provider unavailable or rate-limited • Generation error or empty/invalid AI response • Both participants' generations failing in a couple/compatibility reading (both deducted credits are restored) the consumed credit(s) will be returned to your balance automatically. No support request needed. - Credits consumed due to user error (incomplete input, page refresh before submit, abandoning the session, etc.) are NOT restored - Credits used on a reading that you disagree with, find unsatisfactory, or interpret differently are NOT restored — see Section 3
3. AI Reading Services - No Refunds
IMPORTANT: AI reading outputs are FINAL and NON-REFUNDABLE once generated. This applies to AI-generated outcomes across our main products, including the Destiny Counselor, Tarot, Compatibility analysis, and Fortune Calendar insights. Reason: These services involve immediate AI computation and delivery of personalized digital content. Once generated, the service has been fully rendered. No Refunds For: - Readings you disagree with or find inaccurate - Readings you didn't fully read or understand - Readings based on incorrect birth information you provided - Duplicate readings requested by mistake - Accidental purchases (please review before confirming) By using our reading services, you acknowledge: 1. AI readings are for entertainment and self-reflection purposes 2. Results may vary and are subject to interpretation 3. You accept the reading as-is upon generation
4. Limited Refund Exceptions
Refunds will ONLY be considered in these exceptional cases: A) Duplicate Charges: - Multiple charges for the same transaction due to technical error - Proof required: Bank statement showing duplicate charges - Must report within 7 days of charge B) Unauthorized Transactions: - Payment made without your authorization - Subject to fraud investigation (may take 30+ days) - False claims will result in account termination and legal action C) Complete Service Failure: - Service entirely failed to deliver due to our technical issues - Must be reported within 48 hours - We will first attempt to resolve the issue before processing refund - Partial service delivery does not qualify D) Processing Time: - Approved refunds: 5-10 business days (depending on card issuer; international cards may take slightly longer) - Refund method: Original payment method only - Currency: Original currency (exchange rate differences not compensated) - Payment processor fees (e.g., Stripe) are non-refundable and are deducted from the refund amount To Request Exception Refund - Email support@destinypal.com with: - Account email - Transaction ID/receipt - Bank statement (for duplicate charges) - Detailed explanation - Screenshots if applicable We reserve the right to deny any request not meeting these criteria.
5. Chargebacks and Fraud PreventionView detailed legal terms
IMPORTANT: Contact us before disputing charges with your bank. Chargeback Consequences: - Immediate account suspension - Permanent ban from all services - Collection action for valid charges - Legal action for fraudulent chargebacks - Reporting to fraud prevention networks Friendly Fraud Warning: Filing a chargeback for a legitimate purchase you made is considered fraud. We maintain detailed logs of: - Account activity and IP addresses - Service delivery confirmations - Credit consumption records - Device fingerprints These records will be provided to your bank and, if necessary, law enforcement. Proper Dispute Process: 1. Contact support@destinypal.com first 2. Provide transaction details 3. Allow 48 hours for response 4. Work with us to resolve the issue 5. Only dispute with bank if we fail to respond Good Faith Resolution: We are committed to fair resolution. Most issues can be resolved through direct communication without involving banks or legal action.
6. Account Termination and ForfeitureView detailed legal terms
Voluntary Account Deletion: - Unused credits are forfeited upon account deletion - No refund for remaining credits - This action is irreversible Termination by DestinyPal: If your account is terminated for policy violation: - All credits are immediately forfeited - No refund of any kind will be issued Inactivity: - Accounts inactive for 2+ years may be deleted - Credits and data are not recoverable after deletion - We recommend using all credits before extended absence
7. Price Changes
Price Modifications: - We may change prices at any time - New prices apply only to purchases made after the change takes effect No Price Protection: - Credit packs are billed at the price shown at checkout - No refund or additional credits if prices drop later - No retroactive discounts on previously purchased packs
8. Consumer Rights by Region
Korean Consumers (대한민국): - Per the Korean Act on Consumer Protection in Electronic Commerce (전자상거래법) §17 ②항 5호, the right of withdrawal for digital content is limited once provision has begun - Before content delivery starts: withdrawal possible within 7 days of purchase - After content delivery starts: withdrawal is restricted by law - The 7-day refund window in this policy goes beyond the statutory minimum as a voluntary courtesy (limited to unused credit packs) Minor protection (민법 §5): purchases made by a minor without legal-guardian consent may be revoked by the guardian. Contact support@destinypal.com with proof of guardianship and the transaction ID. Dispute resolution channels for Korean residents: - Korea Consumer Agency (한국소비자원) — 1372 consumer counseling: kca.go.kr - Consumer Dispute Mediation Committee (소비자분쟁조정위원회): ccn.go.kr - Korea Fair Trade Commission (공정거래위원회) — ftc.go.kr EU Consumers: - Digital content: 14-day withdrawal right does not apply once download/streaming begins with consumer consent - By purchasing, you consent to immediate delivery and waive withdrawal right US Consumers: - Varies by state - We comply with applicable state consumer protection laws - California residents: Additional rights under CCPA Other Jurisdictions: - Local mandatory consumer protection laws apply - This policy does not limit your statutory rights
9. Contact Information
For refund requests and billing inquiries: Email: support@destinypal.com Response Time: within 2 business days. Privacy-related requests are handled within 10 days per the Korean Personal Information Protection Act. Related pages: - Contact (/contact) — general inquiry routing - Privacy Policy §12 (/policy/privacy) — Privacy Officer and complaint channels - Terms of Service (/policy/terms) — business operator information (전상법 §13) Required Information for Refund Requests: - Account email address - Transaction ID or Stripe receipt - Purchase date - Reason for refund request - Number of credits used (if applicable) - Bank statement for duplicate charge claims Please allow full processing time before following up. Keep all receipts and confirmation emails for your records.