PamAI Billing And Refund Terms

These Billing Terms are provided by Frame AI Transformation Agency Ltd, which operates PamAI.

1. Merchant Of Record

Payments are processed by Polar, PamAI's merchant of record, with Stripe as the underlying payment processor. PamAI does not receive or store full card numbers, CVCs, or bank details.

2. Credits

PamAI uses credits to measure paid AI usage.

• Subscription credits are granted each billing cycle and expire at the end of that cycle. They do not roll over.
• Purchased wallet credits roll over and survive cancellation until spent, unless a lawful or published expiration rule applies later.
• Promotional and tester credits are subject to the terms shown when granted.

3. Subscriptions

Subscriptions renew automatically at the end of each billing period until cancelled. By subscribing, you authorize recurring charges using your payment method on file.

Where renewal reminders are required by law, they will be provided, including through Polar where Polar provides them.

4. Plan Changes

Upgrades take effect immediately after confirmation and successful payment. Downgrades and interval switches take effect at the next renewal unless the product says otherwise.

No charge is made for a plan change until you explicitly confirm it in the app.

5. Cancellation

You can cancel a subscription. The subscription remains active until the end of the current paid period and then does not renew. Cancellation does not automatically refund prior charges.

6. Refunds

Payments are non-refundable by default once service or credits have been used.

PamAI may grant discretionary refunds case-by-case. Mandatory consumer-law refund rights still apply where they cannot legally be waived.

If a refund is granted, PamAI may manually reverse corresponding credits.

7. Taxes

Prices may be exclusive of taxes. Polar, as merchant of record, is responsible for calculating, collecting, and remitting applicable taxes where required.

8. Fraud And Abuse

PamAI and its payment providers may use purchase limits, fraud checks, rate limits, and account suspension to protect against abuse, stolen payment methods, chargebacks, and credit/refund abuse.

9. Contact

Billing and refund questions: amir@trypamai.com.