This page covers plans, credits, and billing for a personal workspace. Prices, benefits, credits, and billing or refund paths can differ for a team workspace. For team guidance, see Get started with team plans and Manage team billing, seats, and credits.
Does this apply to my payment?
The addendum you agreed to at checkout states which terms govern your payment. If you aren’t sure, email help@carat.im.
How the refund is calculated
Your refund is the amount you paid minus the two deductions below.1
Deduction for months already used
Months used × the standard monthly price of your plan. This uses the regular monthly subscription price, not the discounted annual rate. A started month counts as a full month. Cancelling 8 days after payment counts as 1 month used, and the allowance below uses that same month count.
2
Deduction for usage above your allowance
Calculated in this order:
- Total usage = credits deducted up to your cancellation request + the credit equivalent of everything you generated with unlimited benefits
- Allowance = months used × monthly credit grant (the plan’s regular monthly credits only; first-month bonus credits, lucky credits, and separately purchased credits are not counted)
- Excess usage = total usage − allowance (treated as 0 if negative)
- Unit rate = standard monthly price ÷ monthly credit grant
- Deduction = excess usage × unit rate
No penalty fee. When this settlement applies, the 10% penalty fee on the total payment is not charged.
If the deductions add up to more than you paid, we do not bill you for the difference. The refund is floored at zero.
Also worth knowing
- Unused credits: subscription credits still in your balance at cancellation expire and are not refunded. This rule is the same on every plan (see Unused credit policy).
- Credits you bought separately: credits purchased on top of your plan are handled separately from this settlement.
- You get the breakdown: once the refund is calculated, we send you the deduction for months used, the deduction for excess usage, and the final refund amount.
- Figures differ by plan: the standard monthly price, monthly credit grant, and unit rate are plan-specific and change whenever pricing changes. The figures used for your payment are written in the addendum, which opens from [View full terms(전문보기)] on the checkout screen. They follow the currency you were billed in, so a KRW payment is settled against KRW list prices, not the USD figures shown on the pricing page.
Does using unlimited benefits always cut my refund?
No. If your usage stays within your allowance (months used × monthly credit grant), the excess-usage deduction is zero. Only the portion above that allowance, counting deducted credits and unlimited usage together, is deducted at the standard rate.Frequently asked questions
If it's unlimited, why does it count as usage?
If it's unlimited, why does it count as usage?
Unlimited means no credits are deducted when you generate. It doesn’t mean the generation goes unrecorded: its credit equivalent stays in your usage history. That record is what we settle against when a benefit granted on the condition of a full year of subscription ends early.
I'm within 7 days of payment and haven't used anything.
I'm within 7 days of payment and haven't used anything.
Refunds with no paid-service usage follow Article 25 of the Terms of Service. See the refund policy overview for details.
What about an annual plan I bought in the app?
What about an annual plan I bought in the app?
This settlement does not apply to App Store or Google Play purchases. Those follow each store’s refund policy and review outcome.
Where can I see which unlimited benefits I have?
Where can I see which unlimited benefits I have?
Open My Credits(내 크레딧) and check the [Active benefits(받고 있는 혜택)] section at the bottom. Eligibility by plan and signup date is listed in Unlimited benefit coverage.