> ## 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.

# Is there a penalty fee for refund requests?

Yes, according to [Terms of Service](https://carat.notion.site/7dd0b316d7dc4f1f8e0bfd68e09e5210) Articles 25 and 26, a **penalty fee (10% of total payment amount) may apply** under certain conditions.

<Note>
  **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.
</Note>

### 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.

## How to request a refund

#### 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.

#### 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.

<Warning>
  **Refund policy (varies by payment platform)**

  **Website payments:** According to [Terms of Service Articles 25 and 26](https://carat.notion.site/7dd0b316d7dc4f1f8e0bfd68e09e5210), 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.
</Warning>

For detailed refund amount calculations, please refer to [**What is Carat's refund policy?**](/en/troubleshooting/payment-refund/refund-policy-overview).