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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.
Yes, according to Terms of Service Articles 25 and 26, a penalty fee (10% of total payment amount) may apply under certain conditions. One exception: Premium Annual, Max Annual, and Pro Annual paid on the Carat website on or after September 1, 2026 are not charged a penalty fee and are settled under the addendum instead.
Applies to: The penalty fee and partial-refund conditions below are for website payments. App store (Apple App Store / Google Play) payments follow each store’s refund policy and review outcome, and the website-based 10% penalty fee and annual partial-refund formula do not apply as-is.

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When the penalty fee (10%) applies

The penalty fee (10% of total payment amount) applies in the following two cases:
  1. Unused after 7 days: If you haven’t used any usage on a product purchased through the website after 7 days, you will be refunded the total payment amount minus the 10% penalty fee.
  2. Mid-term cancellation of annual subscription: The monthly regular price for the period used plus 10% of the total payment amount as a penalty fee will be deducted. One exception: Premium Annual, Max Annual, and Pro Annual paid on the Carat website on or after September 1, 2026 carry no penalty fee and follow the addendum (Cancelling an annual plan that includes unlimited benefits).

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How to request a refund

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App

  1. Tap [Profile(프로필)] at the bottom right of the app.
  2. Tap the [Menu(메뉴)] (☰) icon at the top right.
  3. Go to [My Credits(내 크레딧)].
  4. Tap [More(더보기)] (…) at the top right.
  5. Select [Payment History(결제 내역)].
  6. Tap the [Refunds(환불 신청)] button.
  7. Select the payment you want to refund and complete the process.

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Website

  1. Click your [Account nickname(계정 닉네임)] (on mobile web, open the top-left [Menu(메뉴)] (☰) first) at the bottom left of the website.
  2. Select [Settings(설정)].
  3. Go to [My Credits(내 크레딧)].
  4. Select [Subscription & Usage(구독•사용 관리)].
  5. Click the [Refunds(환불 신청)] button.
  6. Select the payment you want to refund and complete the process.
Personal plan and personal credit refund policy (varies by payment platform)For a team plan, open [Settings(설정)] → [Team plan(팀 플랜)] → [Payment history(결제 내역)] to check eligibility and the estimated amount. If no direct request button appears, contact Customer Support.Website payments: According to Terms of Service Articles 25 and 26, a full refund is available if you have not used any usage within 7 days of subscription. If usage has been consumed, monthly payments and usage recharges are not eligible for refund, while annual payments may receive a partial refund.One exception: Premium Annual, Max Annual, and Pro Annual paid on the Carat website on or after September 1, 2026. Those payments carry no penalty fee and are settled under the addendum (months used, plus any usage above your credit allowance, with unlimited generations counted in). See Cancelling an annual plan that includes unlimited benefits.App payments (Apple App Store / Google Play): These follow each store’s refund policy and review outcome; the website-based conditions above (7-day full refund, 10% penalty fee, annual partial-refund formula) do not apply.
For detailed refund amount calculations, please refer to What is Carat’s refund policy?.