Refund and Payment Policy

§ 01

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.

§ 02

2. Credit Pack Purchases

Credit Pack Types: We offer credit packs in several sizes (Mini, Standard, Plus, Mega, Ultimate), each with different credit quantities and pricing.

IMPORTANT - Credit Pack Refund Policy:

A) UNUSED Credits (within 7 days of purchase):
- A refund is available only if zero credits have been used.
- The refund request must be submitted within 7 days of the purchase date.
- After 7 days, even 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:
- Partially used credit packs are non-refundable.
- Once even a single credit has been consumed, the entire pack becomes non-refundable.
- Example: if you purchase a 50-credit Plus Pack and use 1 credit, the remaining 49 credits are not refundable.

C) Credit Validity and Expiration:
- Purchased credits are valid for 3 months from the purchase date.
- Expired credits cannot be refunded, extended, or restored.
- No reminder emails are sent before expiration.

D) Credit Usage Tracking:
- Credits are deducted at the time the service is requested, not when it completes.
- Automatic credit restoration — if a reading fails due to a system issue on our side, 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) are returned to your balance automatically. No support request is needed.
- Credits consumed due to user error (incomplete input, refreshing the page before submitting, 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.

§ 03

3. AI Reading Services - No Refunds

IMPORTANT: AI reading outputs are final and non-refundable once generated.

This applies to AI-generated outputs across our main products, including the Destiny Counselor, Tarot Counselor, Compatibility analysis, and Fortune Calendar insights.

Reason: these services involve immediate AI computation and delivery of personalized digital content. Once the output has been generated, the service is considered fully rendered.

No refunds are issued for:
- Readings you disagree with or find inaccurate
- Readings you did not fully read or understand
- Readings based on incorrect birth information that you provided
- Duplicate readings requested by mistake
- Accidental purchases (please review carefully before confirming)

By using our reading services, you acknowledge that:
1. AI readings are provided for entertainment and self-reflection purposes.
2. Results may vary and are subject to interpretation.
3. You accept the reading as-is once it has been generated.

§ 04

4. Limited Refund Exceptions

Refunds will only be considered in the following exceptional cases:

A) Duplicate Charges:
- Multiple charges for the same transaction due to a technical error
- Proof required: bank statement showing the duplicate charges
- Must be reported within 7 days of the charge

B) Unauthorized Transactions:
- Payments 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:
- The service entirely failed to deliver due to a technical issue on our side
- Must be reported within 48 hours
- We will first attempt to resolve the issue before processing a refund.
- Partial service delivery does not qualify.

D) Processing Time:
- Approved refunds: 5-10 business days (depending on the card issuer; international cards may take slightly longer)
- Refund method: original payment method only
- Currency: original currency (exchange-rate differences are not compensated)
- Payment-processor fees (e.g., Stripe) are non-refundable and are deducted from the refund amount.

To request an exception refund, email rheeco88@gmail.com with:
- Account email
- Transaction ID or receipt
- Bank statement (for duplicate charges)
- Detailed explanation
- Screenshots, if applicable

We reserve the right to deny any request that does not meet these criteria.

§ 05

IMPORTANT: please 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, to law enforcement.

Proper dispute process:
1. Contact rheeco88@gmail.com first.
2. Provide transaction details.
3. Allow 48 hours for a response.
4. Work with us to resolve the issue.
5. Only dispute with your 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.

§ 06

Voluntary account deletion:
- Unused credits are forfeited when you delete your account.
- No refund is issued for the remaining credits.
- This action is irreversible.

Termination by DestinyPal:
If your account is terminated for a policy violation:
- All credits are immediately forfeited.
- No refund of any kind will be issued.

Inactivity:
- Accounts inactive for 2 or more years may be deleted.
- Credits and data cannot be recovered after deletion.
- We recommend using all of your credits before any extended absence.

§ 07

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 will be issued if prices drop later.
- No retroactive discounts apply to previously purchased packs.

§ 08

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 rheeco88@gmail.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

§ 09

9. Contact Information

For refund requests and billing inquiries:

Email: rheeco88@gmail.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.