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Yes, according to Terms of Service Articles 25 and 26, a penalty fee (10% of total payment amount) may apply under certain conditions.
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.

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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(…)] 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.
Refund policy (varies by payment platform)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.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?.