01. Scope & Applicability

This Refund & Cancellation Policy applies to all digital services, monthly subscription plans, and on-demand credit add-ons purchased via AI Thumbnail Studio. By subscribing to or purchasing services on our platform, you acknowledge and accept the billing terms and conditions described herein.

Our services encompass human-engineered, AI-assisted graphic design deliverables tailored to your specific video titles, visual hooks, and channel brand guidelines.

02. Merchant of Record & Payment Gateways

To provide safe, global payment processing and ensure full regulatory compliance:

• International Orders (Paddle): For international customers, Paddle (Paddle.com Market Ltd / Paddle Payments) acts as the Merchant of Record. Paddle is responsible for secure checkout processing, billing support inquiries, applicable sales tax / VAT / GST collection and remittance, and processing authorized refunds directly back to your original payment method.
• Domestic INR Orders: For creators in India, billing transactions may be processed through authorized PCI-DSS Level 1 compliant payment gateways (such as Razorpay).
• Security & PCI Compliance: All payment transactions are encrypted via TLS and processed under strict PCI-DSS security standards. We never store raw credit card numbers, CVV codes, or banking credentials on our servers.

03. Subscription Billing & Credit Allocations

AI Thumbnail Studio operates on a recurring 30-day subscription model. Each subscription tier provides a dedicated monthly quota of thumbnail production credits:

Subscription fees are billed automatically every 30 days in advance of the service cycle. Each submitted thumbnail design request consumes exactly 1 production credit upon entering the active design queue.

04. Subscription Cancellation & Account Access

We believe creators should always retain complete control over their subscriptions without friction:

• Self-Service Cancellation: You may cancel your subscription at any time directly through your dashboard (under Credits & Billing / Subscription settings) with zero cancellation fees or lock-in penalties.
• Immediate Renewal Halting: Upon cancellation, all future automatic renewal charges are immediately stopped.
• Full Access Until Period End: Your plan and account remain fully active through the end of your current prepaid 30-day billing period. You retain complete access to submit remaining monthly credits, request deliverable revisions, and view or download all previous thumbnail assets from your gallery.

05. Credit Expiration & Restoration Rules

06. Design Revisions & Quality Assurance

Because every thumbnail involves custom creative labor and bespoke asset production tailored specifically to your video topic:

• Included Revisions: Every completed deliverable includes multiple visual variants and an active 72-hour revision window. If a delivered draft requires changes, you can request creative adjustments directly through your creator portal at no additional credit cost.
• Delivered Custom Work: Once custom thumbnail deliverables have been produced and delivered in accordance with your project brief, subscription fees and redeemed credits for that production cycle are non-refundable.

07. Duplicate Charges & Billing Discrepancies

We take billing accuracy very seriously. If you encounter any of the following situations:

• Duplicate Transactions: An accidental double-charge caused by network latency or checkout submission retries.
• Billing Amount Mismatch: An incorrect amount debited relative to the selected tier or published pricing.
• Technical Service Outage: A verified platform system failure that prevented service delivery or order fulfillment.

Please contact us at support@aithumbnailstudio.in within 14 days of the transaction date with your transaction details. Upon verification, we will immediately initiate a 100% refund for the erroneous or duplicate amount.

08. Statutory Consumer Rights & Right of Withdrawal

If you are a consumer residing in the European Union (EU) or the United Kingdom (UK), you may have the statutory right to withdraw from your initial subscription purchase within 14 days without giving any reason:

• If you have not submitted any thumbnail design requests or utilized studio production credits during this 14-day window, you are entitled to a full refund upon notifying us or Paddle within 14 days of the initial subscription activation.
• If you explicitly request and initiate thumbnail design production within the 14-day statutory period, you acknowledge that services are being performed during the withdrawal period, and any applicable statutory refund may be subject to a deduction corresponding to the proportion of services already rendered.

09. Refund Request Process & Timeline

To request a refund under the eligible conditions described in this policy, please follow these steps:

1. Send an email to support@aithumbnailstudio.in with the subject line "Refund Request - [Your Account Email]".
2. Provide your registered account email, Paddle Order/Transaction ID (or Razorpay Payment ID), date of transaction, and a concise explanation of the refund reason.
3. Our billing support team will review your inquiry and respond within 24 to 48 business hours.
4. Once approved, the refund will be executed through Paddle (or the applicable payment processor) directly to your original payment method. Depending on your financial institution or card issuer, funds will typically appear on your statement within 3 to 10 business days.