Refund & Cancellation Policy

This Refund & Cancellation Policy explains how cancellations and refunds work for paid subscriptions to AI Game Dev (ai-game.dev). It forms part of our Terms of Service. The Service is operated by Ivan Murzak (trading as Modalith) (13205 97th Ave NE, Kirkland, WA 98034, USA) (the "Provider").

Who sells you the purchase. From 24 July 2026, paid subscriptions and prepaid-balance top-ups bought through our checkout are sold by Paddle (Paddle.com Inc., Paddle.com (Canada) Ltd or Paddle.com Market Limited, depending on your country — see Section 1.1 of our Terms of Service) acting as the merchant of record. Paddle takes the payment, issues the invoice or receipt, handles applicable taxes, and — as seller of record — executes and must approve refunds and payment disputes for those purchases. Refunds are therefore issued on Paddle's rails, and Paddle's own Refund Policy applies in addition to this Policy. Nothing in Paddle's terms or in this Policy removes the statutory rights described in Sections 2 and 8.

Transition — purchases made before 24 July 2026. Subscriptions and top-ups purchased before 24 July 2026 were sold with the Provider as merchant of record and payments processed by Stripe. Those purchases are not migrated: they keep that arrangement — the Provider remains merchant of record and refunds for them are issued by the Provider through Stripe, in full, with no deduction for usage — until the subscription is cancelled or otherwise ends. Which refund rights you have is not the same either way: see "Where this 14-day window comes from" below.

How the charge appears on your statement. A purchase sold by Paddle shows on your card or bank statement as PADDLE.NET* MODALITH, not as "AI Game Dev". Charges for legacy subscriptions continue to show the previous descriptor. If a line item looks unfamiliar, please check for that descriptor and contact us before opening a dispute (see Section 7).

Your 14-Day Refund Route

If Paddle is the seller of your purchase — which is the case for every subscription and wallet top-up bought through our checkout today — you can ask us for a refund, for any reason or none, at any time within 14 days of that charge. You do not need to invoke a legal right, follow a statutory procedure, or fill out a form. This route is open to every customer, in every country we sell to, on subscription charges and prepaid-balance top-ups alike.

What you get back. This is not a promise of all your money back: the amount refunded is worked out on the basis set out in Section 3 below, and it is never less than the statutory withdrawal procedure would give you. In short, the value of the AI usage already supplied to you under that charge is deducted from your refund, and the rest is refunded to you — so you may not get back everything you paid. That deduction is priced at the rate at which usage counts against your plan allowance, never at the higher extended-usage rate, and it is never more than the price for the part of the subscription period that has already run. If you have used nothing, nothing is deducted and you get everything back. For a prepaid-balance top-up the calculation is different: what comes back is the unused paid balance of that top-up (see Section 1a).

When nothing is deducted at all. We apply that deduction only where you asked us at checkout to start supplying immediately and we confirmed that agreement to you in writing. Where that did not happen, you get everything you paid, with no deduction for usage, wherever you live. Where you live never changes the amount. The same is true of every purchase made before 24 July 2026, when the Provider was the seller of record and payments were processed by Stripe: those are refunded in full, with no deduction for usage.

This route is in addition to, not instead of, the statutory withdrawal rights described in Sections 2, 2a and 3 below, which consumers in the European Union and the wider EEA — including Norway, Iceland and Liechtenstein — and in the United Kingdom have under consumer law, and which we also extend to consumers in Switzerland.

When the 14 days run from. For a one-off purchase — including every prepaid-balance top-up — the window runs from the date of that purchase. For a subscription, it runs from each renewal date: every automatic renewal is a new charge and opens a fresh 14-day window of its own under this Policy, so you are never limited to the 14 days that followed your original sign-up. (The statutory right described in Sections 2 and 2a works differently: it runs from when your contract was concluded, not from each renewal.)

Which version of this Policy applies to your purchase. The version number and effective date of this Policy are at the top of this page. Version 5.0 applies to purchases made on or after its effective date. If you bought while an earlier version was in force, that earlier version continues to apply to your purchase — and, for a subscription, to every renewal of it for as long as that subscription continues without interruption. So a subscription taken out under version 4.0 keeps what version 4.0 promised for it: a full refund within 14 days of each charge, with no deduction for usage. We do not change the refund terms of a subscription you have already taken out. If you are not sure which version applies to you, ask us and we will tell you.

Where this 14-day window comes from. It is our own commitment to you under this Policy, which forms part of our Terms of Service. It is not something Paddle grants on our behalf, and it is not a summary of Paddle's terms: we set it, and we may change it for future purchases by giving you notice as described in Section 15 of the Terms of Service. The version of this Policy that applies to a purchase is the version in force on the date of that purchase, so a change we make later never reaches back to a purchase you have already made. It applies the same way however your purchase was sold: purchases made before 24 July 2026 were sold directly by the Provider and processed by Stripe rather than Paddle (see "Transition — purchases made before 24 July 2026" above), and a legacy subscription that is still running opens a fresh 14-day window at each renewal, exactly as described above.

Paddle also operates its own refund policy, and we do not control it. For a purchase sold by Paddle as merchant of record, Paddle is the seller and decides refunds under its own Refund Policy, which applies in addition to this Policy. Under that policy Paddle may, at its sole discretion, issue a refund where a request is submitted within 14 days of the transaction date. That decision is Paddle's alone and is taken case by case. Nothing in this Policy limits, overrides or reduces what Paddle decides, and a refund Paddle grants under its own policy may be larger than the amount this Policy would give you. We cannot promise that outcome and this Policy does not create one — but you are free to ask: contact Paddle's buyer support directly, or contact us and we will pass the request on (see Section 6).

How to use it: just ask — see Section 6, "How to Request a Refund," below. You do not need to invoke a specific legal right, explain why, or fill out a form; telling us (or Paddle) that you want a refund within 14 days of that charge is enough. Asking is what gets you the refund; how much comes back is then worked out as described in Section 3, and it is never less than the statutory withdrawal procedure would give you.

1. Subscriptions and Auto-Renewal

Paid plans are billed monthly or annually and renew automatically until you cancel. You can review your plan and billing period at any time on the Pricing page and in your account dashboard.

1a. Prepaid Balance (Wallet) Top-Ups

Separately from your subscription, you may add a prepaid balance ("wallet") that funds extended usage after your monthly plan allowance is used up. Each top-up is a one-time charge (not a subscription and not auto-renewing). See Section 7.10 of our Terms of Service for how extended usage and the +40% markup work.

• Paid balance is refundable. Any unused paid wallet balance — the amount you actually paid for and have not yet spent — is refundable on written request (see Section 6, "How to Request a Refund"). The unused paid portion is refunded to your original payment method — by Paddle as merchant of record for top-ups bought on or after 24 July 2026, and by the Provider through Stripe for earlier ones. Any tax is adjusted automatically by whichever of them is the merchant of record for that purchase.
• Bonus balance is non-refundable. Promotional credit — including the one-time first-top-up +20% bonus, up to $20 — is a gratuity, not paid consideration. Bonus balance is non-refundable, has no cash value, and cannot be exchanged for money or transferred.
• Order of spending. Extended usage spends your bonus balance first. Your paid balance is only drawn on once your bonus balance has reached zero. This works in your favour: the free promotional credit is used up before the money you actually paid, so your unused paid balance — the part that is refundable — stays larger for longer. Once your bonus balance is exhausted, further usage is funded from your paid balance and reduces the amount left to refund.

2. Statutory Right of Withdrawal — EU/EEA, UK and Switzerland (a second, independent right)

Everyone, everywhere, already has the 14-day refund route described above — ask within 14 days of the charge, no reason needed, no form, no statutory procedure. This section describes a separate right, which consumers in the European Union and the wider EEA — including Norway, Iceland and Liechtenstein — and in the United Kingdom have under consumer law, and the consent we ask for at checkout that governs it. We apply this section to consumers in Switzerland in the same way, as a matter of our own policy. Both routes are worked out on the same basis (Section 3): what differs is not the money but the procedure — the statutory right is yours under the law and we cannot reduce or remove it, while the route above asks nothing of you except that you ask.

If you are a consumer in the European Union or the wider EEA — including Norway, Iceland and Liechtenstein — or in the United Kingdom, you have a statutory right to withdraw from your contract within 14 days of it being formed, without giving any reason. We apply the same right to consumers in Switzerland as a matter of our own policy. A prepaid-balance top-up is a separate purchase with its own such right — see Section 2a.

Because AI Game Dev is a digital service that is made available to you immediately:

• When you start using the paid Service within the 14-day period, you expressly request and consent to immediate performance of the Service before the withdrawal period ends; and
• You acknowledge that you lose (or limit) this statutory right to the extent the Service has already been performed. If you exercise this statutory right after usage has begun, what you get back under this specific mechanism is calculated proportionately, as described in Section 3 — you are charged for the AI usage you have already consumed, and the unused remainder is refunded.

This statutory right stands on its own. It exists independently of the refund window in this Policy and of Paddle's own Refund Policy, and it is never reduced or removed by either of them. Where two of those routes would give you different amounts, you are entitled to whichever gives you more — and you do not have to work out which one that is. Ask for a refund within 14 days and we will apply the route that is better for you.

If we did not properly obtain and confirm your consent, there is no deduction at all. The request and acknowledgement described above limit your statutory right only if we actually obtained both from you before supply began and confirmed them back to you on a durable medium (our order-confirmation email). If any one of those three things did not happen for your purchase, you pay nothing for the AI usage already supplied: you receive a refund of the full amount you paid, with no deduction, whatever your country and however much of the Service you have used. That is what the law provides, not a concession we grant.

2a. Top-Ups Have Their Own 14-Day Statutory Window

A prepaid-balance top-up (Section 1a) is not part of your subscription. It is a separate one-time purchase of the same immediately-supplied digital service. If you are a consumer in the EU or the UK, each top-up carries its own statutory 14-day right of withdrawal, running from the date of that top-up — including a top-up bought part-way through a subscription period, or long after the subscription itself started. This statutory window is never shortened or used up by the age of your subscription.

The same statutory mechanics as in Section 2 apply to it. At checkout, before you pay, you are asked to request immediate performance of the topped-up usage credit and to acknowledge that you lose this statutory right to the extent it has already been performed.

What you get back is your unused paid balance — and only that calculation is ever used for a top-up. Whether you withdraw under the statutory right or simply ask us for a refund of the top-up within 14 days, the amount refunded is the part of that top-up you paid for and have not yet spent. We do not take your AI usage and subtract it from what you paid. Those are different numbers, and the difference is money you were never charged: extended usage spends your bonus balance first, so usage covered by bonus credit never reduces your refund. If you top up $100, receive a $20 bonus and then spend $30, the first $20 comes out of bonus and only $10 out of the money you paid — your unused paid balance is $90, and $90 is what is refunded.

Promotional bonus balance is never refunded, on either route. It is a gratuity rather than paid consideration, has no cash value, and cannot be exchanged for money (Section 1a). It is also never deducted from your refund — it is simply not part of what you paid.

If we did not properly obtain and confirm your consent, there is no deduction and no calculation. The consent and acknowledgement described above limit your statutory right only if we actually obtained them from you before supply began and confirmed them back to you on a durable medium (our order-confirmation email). Where that did not happen for a top-up, you pay nothing for AI usage already supplied against it and receive a refund of the full amount you paid for that top-up — whatever your country, and however much of it you have spent.

3. How the Refund Amount Is Calculated

This section explains the maths behind both routes. It applies to the statutory withdrawal right in Sections 2 and 2a, and it applies in the same way to the 14-day refund route described at the top of this page: the two are worked out on the same basis, and what you get back under our own route is never less than the statutory procedure would give you. Choosing one route or the other changes what you have to do, not what you receive. Where the two would ever give you different amounts, you are entitled to whichever gives you more.

When the right of withdrawal is exercised after performance has begun, you pay for what has already been supplied, up to the moment of your withdrawal request. We work that amount out two ways and charge you whichever is lower:

• What you used. Your usage is metered request by request and counted in money. This leg is the value of the AI usage you actually consumed, valued at the same rate at which that usage is counted against your plan allowance — never at the higher extended-usage rate.
• How long you had it. This leg is the share of the total price matching the part of the subscription period already supplied: the total price in your contract, multiplied by the days that have elapsed and divided by the number of days in your subscription period.

We charge the lower of those two amounts and refund the rest of what you paid. You are never charged more than that time share of the total price, even where the AI usage you consumed was worth more. Any tax is adjusted automatically by the merchant of record for that purchase — Paddle for purchases sold by Paddle, the Provider through Stripe Tax for legacy purchases.

Your plan allowance does not set the charge. The usage allowance included in a paid plan is a rolling 30-day allowance, and it is the same whether you pay monthly or annually — paying for a year buys you twelve months of access, not a twelve-times-larger allowance to draw down. So the amount you owe on withdrawal is never calculated by applying the share of one month's allowance you used to the price of a whole year. The second leg above is a time share, not an allowance share: it compares the part of your subscription period that has already run with the whole of that period, and it acts as a ceiling on what you can be charged, never as a minimum.

Worked example — subscription. You buy the annual Indie plan for $285 and withdraw 7 days later, having consumed AI usage worth $12.00 at the rate your usage is counted against your plan allowance. We work out both legs. What you used: $12.00. How long you had it: $285 × 7 ÷ 365 = $5.47. We charge the lower of the two — $5.47 — and refund $279.53 (tax adjusted automatically). It works the other way round too: if the usage you had consumed were worth only $2.00, that would be the lower leg, so you would be charged $2.00 and refunded $283.00. If you had used nothing, you would owe nothing and receive a full refund.

Worked example — prepaid balance top-up. A top-up is not calculated the way a subscription is: there is no time share and we do not put a price on your usage at all. You add $100 of paidbalance and receive the one-time +20% first-top-up bonus (up to $20), so $20 of bonus balance is credited, and you then spend $30 on extended usage. Bonus balance is always spent before paid balance, so the $20 of bonus goes first and only $10comes out of your paid balance. Your unused paid balance is $90, and $90 is what you get back. That is deliberately more than "what you paid less what you used" would give you ($100 − $30 = $70): the free bonus credit was spent first and absorbed $20 of that spending, and we do not reduce your refund by credit we gave you for nothing. The bonus itself is never refunded — it is a gratuity with no cash value.

4. Cancellation (Stopping Auto-Renewal)

You can cancel your subscription at any time from your account dashboard.

• Cancelling stops future automatic renewals.
• Your paid access continues until the end of the billing period you have already paid for; it is not cut off immediately.
• Cancellation by itself does not trigger a pro-rata refund of the current period. Two separate things can still give you money back, and cancelling is neither of them: the statutory right of withdrawal described in Sections 2 and 2a, which is mandatory law for consumers in the EU/EEA and the UK and which we cannot reduce or remove; and the 14-day refund route described at the top of this page, which is our own commitment under this Policy rather than a statutory right, and which is open to every customer wherever they live. Either way you have to ask (Section 6). After the period ends, your account reverts to the free tier.

5. United States and Other Regions

Outside the EU/EEA, the UK and Switzerland, the statutory withdrawal rights described in Sections 2 and 2a may not apply to you, and what consumer law gives you differs from country to country. That does not leave you without a way to get your money back: the 14-day refund route at the top of this page applies to you in exactly the same way it applies to every other customer, anywhere we sell — ask within 14 days of the charge, no reason needed, for subscriptions and top-ups alike, with the amount worked out as described in Section 3. Where you live never changes that amount. Outside that 14-day window, we still aim to be fair: if you experience a genuine problem (for example a billing error or a material service fault), contact us and we will review your situation. In all cases, cancellation is easy and self-service from your account dashboard, so you are never locked into a renewal you do not want. Section 8 applies wherever you live: nothing in this Policy limits any mandatory rights you have under the law of your own country.

6. How to Request a Refund

To request a refund or exercise your withdrawal right, contact us at support@ai-game.dev (or via the contact options below) with the email address on your account and a brief description of your request. You may also contact Paddle's buyer support directly for a purchase Paddle sold you — either route reaches the same outcome.

Approved refunds are issued to your original payment method. For purchases sold by Paddle as merchant of record, the refund is executed by Paddle and requires Paddle's approval as seller of record, in line with Paddle's Refund Policy as well as this Policy; for legacy purchases the Provider issues the refund through Stripe. Where you have a statutory right to a refund (Section 2), that right applies regardless of which rail the purchase was made on, and we will support your request with Paddle. Processing typically takes 5–10 business days to appear on your statement, depending on your bank or card issuer. Any applicable tax is refunded together with the refunded amount and adjusted automatically by the merchant of record for that purchase.

7. Chargebacks and Disputes

If you believe a charge is incorrect, please contact us first — we can usually resolve billing issues faster than a formal dispute. Remember that a purchase sold by Paddle appears on your statement as PADDLE.NET* MODALITH, which is the most common reason a charge looks unfamiliar.

If you open a chargeback or payment dispute with your bank or card issuer, the dispute is handled by the merchant of record for that purchase — by Paddle for purchases Paddle sold, and by the Provider through Stripe for legacy purchases — and we may be required to suspend access to paid features while it is investigated.

8. Your Statutory Consumer Rights

Nothing in this Policy limits or excludes any mandatory statutory rights you have as a consumer that cannot be waived under the law of your country of residence. Where this Policy conflicts with such a right, that mandatory right prevails to the extent of the conflict.