Refund Policy

1. Overview

At I Ching AI, customer satisfaction is important to us. This Refund Policy outlines the terms under which you may be eligible for a refund for purchases made through our Service. All payments are processed by PayPal, our authorized payment processor. Refunds are issued through PayPal and are subject to their processing timelines in addition to the terms described below.

This policy applies to purchases made directly on https://www.iching-ai.ren. It should be read together with our Terms of Service and Privacy Policy.

2. Single-Reading Purchases

We offer two one-time purchase options: Quick Insight ($2.99 USD) and Deep Dive ($5.99 USD).

2.1 First-Time Buyer Guarantee

If you are a first-time buyer of a single reading and are not satisfied with your experience, you may request a full refund within 24 hours of your purchase. This is our satisfaction guarantee — we want you to try the Service with confidence.

2.2 Repeat Purchases

For repeat single-reading purchases beyond your first, refunds are evaluated on a case-by-case basis. We generally do not offer refunds for repeat purchases unless there is a technical issue with the Service that prevented you from receiving your reading.

2.3 Technical Issues

If a technical error on our side prevents you from receiving the reading you paid for (e.g., payment succeeded but no reading was generated), you are entitled to a full refund regardless of whether it is your first purchase. Please contact us with your transaction details so we can verify the issue.

3. Subscription Purchases

We offer three subscription plans: Monthly Unlimited ($9.99 USD/month), Yearly Unlimited ($59.99 USD/year), and Yearly Premium ($99.99 USD/year). All subscriptions are auto-renewing unless cancelled.

3.1 Initial Subscription Purchase

You may request a full refund for your initial subscription purchase within 14 days of the transaction date, provided that you have not made extensive use of the Service during that period. What constitutes “extensive use” is determined at our reasonable discretion but generally means more than 5 readings within the refund period.

3.2 Subscription Renewals

Subscription renewals are non-refundable in most cases, as you have had the opportunity to cancel before the renewal date. However, if you forgot to cancel and contact us within 48 hours of the renewal charge, we will review your case and may issue a refund at our discretion — particularly if you have not used the Service since the renewal.

3.3 Subscription Cancellation

You may cancel your subscription at any time through PayPal's customer portal or by contacting us. Cancellation stops future auto-renewals but does not refund the current billing period. You will continue to have full access to subscriber features until the end of the period you have paid for. No partial refunds are provided for mid-period cancellations.

4. How to Request a Refund

To request a refund, please contact us at hw227345915@gmail.com with the following information:

• The email address associated with your purchase or account.
• The transaction ID or order reference from PayPal (found in your purchase confirmation email from PayPal).
• The reason for your refund request — this helps us improve the Service and process your request more efficiently.

We aim to acknowledge all refund requests within 24 hours and resolve them within 3–5 business days.

5. Refund Processing

Once a refund is approved:

• The refund is issued through PayPal to the original payment method used for the purchase.
• PayPal typically processes refunds within 5–10 business days. The time it takes for the refund to appear in your account depends on your bank or card issuer.
• You will receive a confirmation email from PayPal once the refund has been issued.

6. Exceptions & Non-Refundable Situations

The following situations are generally not eligible for refunds:

• Change of mind after the applicable refund window has closed.
• Dissatisfaction with the content of a reading where the Service functioned correctly and delivered the reading as described (this applies to repeat purchases beyond the first-time buyer guarantee).
• Failure to cancel a subscription before the renewal date (except as described in Section 3.2).
• Violation of our Terms of Service, including fraudulent activity, chargeback abuse, or use of the Service for unlawful purposes.
• Purchases made through third-party platforms or resellers not authorized by us.

7. Chargebacks & Disputes

We encourage you to contact us directly before initiating a chargeback or payment dispute with your bank. Most issues can be resolved quickly and amicably through direct communication. If a chargeback is filed, we reserve the right to suspend your account and access to the Service pending resolution.

Fraudulent chargeback claims — where a purchase was legitimately made and the Service was delivered as described — may result in permanent account termination.

8. Statutory Rights

This Refund Policy does not affect any statutory rights you may have under applicable consumer protection laws in your jurisdiction. For example:

• Residents of the European Union may have a 14-day right of withdrawal for digital services under EU consumer law, which applies separately and in addition to this policy.
• Residents of the United Kingdom have similar rights under UK consumer protection regulations.
• Other jurisdictions may provide additional rights that this policy does not limit.

Where your statutory rights provide greater protection than this policy, your statutory rights will prevail.

9. Changes to This Policy

We may update this Refund Policy from time to time. Changes will be posted on this page with an updated “Last updated” date. The policy in effect at the time of your purchase governs that transaction.

10. Contact

For refund requests or questions about this policy, please contact us: