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If you cancel a Premium Annual, Max Annual, or Pro Annual subscription paid on the Carat website on or after September 1, 2026 during its one-year term, the refund follows the addendum you agreed to at checkout, not the standard annual partial-refund formula. Under this settlement, no 10% penalty fee is charged. One carve-out: if you are within 7 days of payment and have not used any paid service, the standard full-refund rule applies instead of this settlement.

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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.

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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.
2

Deduction for usage above your allowance

Calculated in this order:
  1. Total usage = credits deducted up to your cancellation request + the credit equivalent of everything you generated with unlimited benefits
  2. Allowance = months used × monthly credit grant
  3. Excess usage = total usage − allowance (treated as 0 if negative)
  4. Unit rate = standard monthly price ÷ monthly credit grant
  5. Deduction = excess usage × unit rate
On payments covered by this settlement, unlimited generations count toward your usage. Generating with an unlimited-eligible model doesn’t deduct credits at the time, but its credit equivalent is recorded in your usage history and is included in this settlement. If you use unlimited benefits well beyond your allowance and then cancel, your refund can shrink to zero.
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.

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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. Your exact figures are in the addendum, which opens from [View full terms(전문보기)] on the checkout screen.

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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.

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Frequently asked questions

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.
Refunds with no paid-service usage follow Article 25 of the Terms of Service. See the refund policy overview for details.
This settlement does not apply to App Store or Google Play purchases. Those follow each store’s refund policy and review outcome.
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.

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Still need help?

For a breakdown of your refund calculation, email help@carat.im.