Billing Policy

Effective Date: December 31, 2025

1. Overview

All purchases for our service are securely processed by Paddle acting as the Merchant of Record (MoR). This policy outlines how refunds and cancellations are handled when purchasing a subscription through Paddle.

By subscribing, you agree to this Refund & Cancellation Policy in addition to our Terms of Service and Privacy Policy.

2. Merchant of Record

Paddle is the authorized Merchant of Record for all transactions. All charges and any approved refunds are executed via Paddle to the original payment method, following Paddle's Buyer Terms: https://www.paddle.com/legal/checkout-buyer-terms

While Paddle manages payment collection and refund logistics, refund eligibility is determined by us under this policy, subject to applicable consumer protection laws.

3. Plans and Eligibility

We offer two plan types:

• Free Tier: Includes Up to 3 budget creations per month, theming (BYOAI or manual), AI Budget Generation and Reconciliation (Bring Your Own AI), Categories & Subcategories, Drag-and-Drop Planner with Grid & Calendar Views, Export to CSV or Excel, Dynamic Charts by Period and Date Range, Real-Time Updates, and up to 5 years of transaction history.
• Premium Plan: Paid subscription that includes: All Free features plus up to 10 budget creations per month, AI Budget Generation and Reconciliation (Integrated AI), AI theme generation and publishing, Bank Account Linking, Public Budget Creation, and Shared Budgets with up to 5 people.
• Icon Generation Credits: One-time purchase for AI-powered icon generation. Generated sets may be published to the Community under CC0, which removes them from your private library. Credits expire 90 days from purchase.

Budget creation limits reset monthly. Deleting a budget frees up a creation slot.

The Premium Plan provides access to integrated AI-powered functionality, which generates real processing costs each time it's used.

4. Cancellation Policy

• You may cancel your subscription at any time through your account settings or by contacting support.
• Cancellations take effect at the end of the current billing period.
• When you cancel, you will continue to have access to Premium features until the billing period ends.
• To avoid renewal, cancellation requests should be made at least 48 hours before your next billing date.
• If you delete your account, your subscription is automatically cancelled and you will not be charged further. No partial refunds are issued for unused time.

We do not provide refunds or credits for any unused time remaining in a subscription once a billing period has begun.

5. Refund Policy

General Rule

All sales are final once a billing period begins. We do not offer partial, prorated, or "money-back" refunds for unused portions of a subscription term.

Refunds are only considered in limited cases where:

• A billing error or duplicate charge occurred;
• A technical issue on our end prevented service access; or
• Required by applicable consumer law or at Paddle's discretion.

Because Premium access is delivered and usable immediately upon payment, you acknowledge that digital content begins immediately, and the statutory right of withdrawal (where applicable) ends once service usage begins.

6. Usage-Based Services & AI Credits

The Premium Plan and Icon Generation Credits include AI processing and usage-based features that incur real infrastructure and compute costs. As such:

• Refunds are not provided for consumed AI usage, tokens, or credits.
• Once AI processing or generation has occurred, the cost is non-reversible and non-refundable.
• The Free Tier does not include integrated AI processing charges and therefore falls outside this clause.
• Downgrading from Premium to Free does not result in any refund or credit for unused time or usage capacity.
• Icon Generation Credits expire 90 days from purchase. Unused credits are forfeited upon expiration and are non-refundable.

7. Refund Request Procedure

To request a refund in the exceptional cases described above, contact billing@eb.app and include:

1. Your full name and the email address used for purchase
2. Paddle transaction ID or order number
3. Date of purchase and a brief explanation of the issue

We review all refund requests carefully and aim to respond within 7 business days. If a refund is approved, it will be processed through Paddle to the original payment method. Refunds may take 3–5 business days to appear, depending on your payment provider.

8. No Money-Back or Satisfaction Guarantee

We do not offer a money-back or satisfaction guarantee. Our service (including AI features) is delivered immediately upon payment, and continued use constitutes acceptance of the current billing term. This policy protects against refund abuse and ensures fairness to all users by preventing excessive usage followed by refund claims.

9. Chargebacks and Disputes

Please contact us before initiating a chargeback with your payment provider. Since Paddle serves as the Merchant of Record, chargebacks are handled directly by Paddle per their established procedures.

Excessive or unfounded chargebacks may result in account suspension or denial of future service.

10. Taxes, Fees, and Currency

• Refunds (when granted) are issued net of any unrecoverable processing or transaction fees charged by Paddle.
• Applicable U.S. state and local sales taxes are automatically handled by Paddle.

11. Policy Modifications

We reserve the right to update or revise this Refund & Cancellation Policy at any time. Changes take effect upon posting to our website. For existing subscribers, we will honor the policy in effect at the time of your most recent payment.

12. Contact

If you have questions about this policy or require billing assistance, please contact us:

• Email: billing@eb.app
• Company: EB App LLC
• Address: 30 N Gould St #52260, Sheridan, WY 82801
• Website: eb.app

Note: Paddle acts as our Merchant of Record and may handle refund logistics on our behalf. You can also contact Paddle directly at https://paddle.net if needed.