> ## Documentation Index
> Fetch the complete documentation index at: https://carat.im/docs/llms.txt
> Use this file to discover all available pages before exploring further.
# How is my refund calculated if I cancel an annual plan that includes unlimited benefits?
> Premium, Max, and Pro annual subscriptions paid on the Carat website on or after September 1, 2026 follow the addendum: no 10% penalty fee, and the refund deducts the months used plus any usage above your credit allowance. Unlimited generations count toward that usage.
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.**
## Does this apply to my payment?
| Your payment | Applies? |
| :-------------------------------------------------------------------------------------------------------- | :------------------------------------------------------------------------------------------------------------------------ |
| **Premium Annual, Max Annual, or Pro Annual** paid on the **Carat website** on or after September 1, 2026 | ✅ This settlement applies |
| **Plus Annual** | ❌ Not covered. See the [standard refund policy](/docs/en/troubleshooting/payment-refund/refund-policy-overview) |
| **Monthly** subscription (any plan) | ❌ Not covered. See the [standard refund policy](/docs/en/troubleshooting/payment-refund/refund-policy-overview) |
| Annual subscription paid on or before August 31, 2026 | ❌ Not covered. The [refund policy](/docs/en/troubleshooting/payment-refund/refund-policy-overview) in force at payment applies |
| An annual subscription **upgraded to a higher plan** on the Carat website on or after September 1, 2026 | ✅ Covered for that upgrade payment, if you agreed to the addendum on that checkout screen |
| **App store** payments (Apple App Store / Google Play) | ❌ Not covered. Each store's refund policy and review outcome applies |
The addendum you agreed to at checkout states which terms govern your payment. If you aren't sure, email [help@carat.im](mailto:help@carat.im).
## How the refund is calculated
Your refund is **the amount you paid minus the two deductions below.**
Months used × the **standard monthly price** of your plan. This uses the regular monthly subscription price, not the discounted annual rate.
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.
## 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](/docs/en/troubleshooting/usage-plan/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.
## 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
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](https://carat.notion.site/7dd0b316d7dc4f1f8e0bfd68e09e5210). See the [refund policy overview](/docs/en/troubleshooting/payment-refund/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)](https://carat.im/en/subscription) and check the \[Active benefits(받고 있는 혜택)] section at the bottom. Eligibility by plan and signup date is listed in [Unlimited benefit coverage](/docs/en/troubleshooting/usage-plan/unlimited-benefit-scope).
## Still need help?
For a breakdown of your refund calculation, email [help@carat.im](mailto:help@carat.im).