Refund Policy

1. Introduction

This Refund Policy describes when and how you can request a refund for purchases on Vwrap (the "Service"). Vwrap is operated by Nu-F-O, a sole proprietorship registered in the Republic of Korea.

Polar (Polar Software, Inc., polar.sh) is our merchant of record. When a refund is approved, we coordinate the request and Polar executes the refund to your original payment method. This Policy supplements (and does not replace) any non-waivable consumer-protection rights granted to you by the mandatory law of your country or state of residence.

2. First-Time Subscription Refunds

If you have purchased a Vwrap subscription for the first time, you may request a refund of that first payment within seven (7) calendar days of the purchase. Refund eligibility is tied to how many of your subscription credits you have already consumed, on the following consumption-thresholded sliding scale:

• Under 10% of the monthly credit allowance consumed: full refund. Any unused subscription credits are removed from your balance, and your account reverts to the Free tier.
• Between 10% and 50% consumed: pro-rated refund based on remaining unused credits. Specifically, the refund equals the original payment multiplied by (1 minus the percentage consumed). Remaining subscription credits are removed and your account reverts to the Free tier.
• Over 50% consumed: not eligible for refund. Cancellation still stops auto-renewal; you retain access to the remaining subscription credits until the end of your current paid period.

For the purpose of this calculation, "consumed" includes both completed generation operations and credits currently reserved for in-flight operations. If your consumption sits exactly at a threshold boundary because of in-flight jobs, we may briefly hold your refund request until those jobs reach a terminal state.

This 7-day window applies only to your first paid subscription purchase. Subsequent subscription renewals are governed by Section 3.

3. Subscription Renewals

Subscription renewals are non-refundable. Each renewal is charged in advance on a recurring monthly or yearly cycle, and you have the ability to cancel auto-renewal at any time before the renewal date through your account settings or by emailing support@vwrap.ai.

If you cancel, the cancellation takes effect at the end of your current paid period. You retain access until that date; we do not issue pro-rated refunds for unused time in the current period.

4. First-Time Yearly Subscriptions

If you have purchased a yearly subscription for the first time, you may request a refund within thirty (30) calendar days of purchase. Eligibility follows the same consumption-based sliding scale as Section 2, measured against the credits granted with your yearly plan:

• Under 10% of the yearly credit allowance consumed: full refund. Any unused subscription credits are removed from your balance, and your account reverts to the Free tier.
• Between 10% and 50% consumed: pro-rated refund equal to the amount you paid multiplied by (1 minus the percentage consumed). Remaining subscription credits are removed and your account reverts to the Free tier.
• Over 50% consumed: not eligible for a refund. Cancellation still stops auto-renewal, and you keep your remaining credits until the end of the current paid term.

As in Section 2, "consumed" includes both completed generation operations and credits reserved for in-flight operations. After 30 days, yearly subscriptions are non-refundable; cancellation stops the next yearly renewal but does not entitle you to a refund for the remaining months in the current term.

5. Top-Up Credit Pack Refunds

Top-up credit packs are refundable within fourteen (14) calendar days of purchase, as long as you have not used any top-up credits since you bought that pack. Because top-up credits are pooled into a single combined balance, we determine eligibility from whether any top-up credits were spent after your purchase — not from which specific pack a given credit came from.

Once you have used top-up credits after a purchase, that purchase is no longer eligible for a refund. Approved refunds are executed by Polar as an adjustment to the original transaction, and we claw back the corresponding credits from your balance to keep your credit ledger consistent.

6. Refunds for Service Failures

If a generation or editing operation fails because of a verifiable Service error — for example, a third-party AI provider outage, an infrastructure failure on our side, or a defect in our software — the credits reserved for that operation are automatically restored to your balance. You do not need to file a refund request for these cases.

If our Service is unavailable for an extended period and you believe a money-back refund is warranted in addition to the automatic credit restore, please contact support@vwrap.ai. We evaluate these requests on a case-by-case basis.

7. Withdrawal Rights for EU and UK Consumers

Under the European Union's Consumer Rights Directive and the United Kingdom's Consumer Contracts Regulations, consumers in the EU, EEA, and UK generally have a 14-day "cooling-off" period during which they may withdraw from a digital service contract without giving a reason.

However, when you place an order through Polar, you expressly consent at checkout to the immediate provision of the Service and acknowledge that you will lose the statutory right of withdrawal once the Service has been performed (which begins when your credits are granted or your subscription becomes active).

The refund windows in Sections 2, 4, and 5 apply in addition to this statutory waiver and are provided as a matter of our policy.

8. US State Consumer Protection Laws

Where US state law (for example, in California, New York, or another state with applicable consumer-protection statutes) requires refund windows or rights that are more generous than those described in this Policy, those state-law rights apply and are not limited by this Policy.

9. Chargebacks

Please contact us at support@vwrap.ai before initiating a chargeback with your bank or card issuer. Most refund requests can be resolved directly without involving a chargeback.

Filing a chargeback without first contacting us may result in immediate suspension of your account and may void any subsequent refund eligibility for the disputed charge. If a chargeback is later reversed in our favor, you may request reinstatement of your account by emailing us; reinstatement is at our discretion.

10. How to Request a Refund

To request a refund:

• Email us at support@vwrap.ai from the email address associated with your Vwrap account.
• Include the Polar order ID from the order confirmation email Polar sends after your purchase.
• Briefly describe the reason for the refund.

We respond within two (2) business days. If approved, the refund is executed by Polar to your original payment method and typically appears on your statement within 5–10 business days, depending on your bank or card issuer.

11. Disputes

Please contact us first at support@vwrap.ai — we handle refund requests directly. If a matter cannot be resolved with us, you may also contact Polar, our merchant of record, at support@polar.sh, as they are the merchant of record on the transaction.

For any unresolved dispute that requires formal proceedings, see Terms of Service §15 (Governing Law and Dispute Resolution).

12. Korean Consumer Protection

Korean-resident consumers benefit from the cancellation and refund provisions of the Korean Act on the Consumer Protection in Electronic Commerce (전자상거래 등에서의 소비자보호에 관한 법률; the "E-Commerce Act"). Subscription and top-up credits are digital content delivered immediately, which under Article 17(2) of the E-Commerce Act limits the statutory 7-day unilateral cancellation right once any credits have been consumed. The consumption-thresholded refund policy in Section 2 and the unused- only top-up refund policy in Section 5 are our voluntary commitments in lieu of, and we believe more generous than, the digital-content baseline.

13. Contact

Refund requests and questions about this Policy:

• Email: support@vwrap.ai
• Operator: Nu-F-O (operating as Vwrap), a sole proprietorship registered in the Republic of Korea