Refund Policy

1. General Policy

1.1 All Sales Final

All charges are final and non-refundable except as expressly stated in this Policy or as required by mandatory applicable law. The Service is provided on an "as available" basis. MegaLLM does not guarantee any specific level of uptime, availability, performance, or quality of service.

1.2 Intermediary Role

MegaLLM acts as a routing intermediary to third-party AI model providers. Service quality factors — including model availability, performance, latency, accuracy, output quality, safety, and rate limits — are determined by third-party providers and are outside MegaLLM's control. Variability in service quality is inherent and is not a defect in the Service. MegaLLM does not generate, create, or control any AI model output.

1.3 Composition of Charges

Charges comprise: (a) the Provider Cost (set by the upstream provider, subject to change without notice), and (b) MegaLLM's Platform Fee. Provider price increases passed through to you are not billing errors and are not eligible for refunds. If an upstream provider increases pricing with less than thirty (30) days' notice to MegaLLM, MegaLLM may pass through the increase with no less than seven (7) calendar days' notice to you.

2. Prepaid Credits

2.1 Purchase and Use

Prepaid credits are purchased through the dashboard and added to your account balance upon payment. Credits apply only to the account on which they are purchased. Prepaid credits are not stored value, are not gift cards, and are not subject to any stored-value, gift card, escheatment, unclaimed property, or money transmitter regulation, except to the minimum extent that mandatory applicable law expressly provides otherwise.

2.2 Expiration

Prepaid credits are valid for six (6) months from the date of purchase, except where a longer or indefinite validity period is required by mandatory applicable law. After six months, unused credits expire and are permanently forfeited, subject to:

• California: Under Civil Code Section 1749.5, to the extent credits constitute stored value under applicable law, they shall not expire. California residents may request cash redemption of qualifying balances under $10.00.
• New York: Under General Business Law Section 396-i, to the extent credits constitute stored value, they shall not expire.
• EU/EEA/UK: Credit expiration is subject to mandatory consumer protection laws of your member state of residence. Where national law prohibits expiration and such prohibition cannot be waived by contract, credits shall not expire.
• Other Jurisdictions: Credit expiration does not apply where prohibited by mandatory applicable law.

2.3 Non-Refundable and Non-Transferable

2.4 Consumption Order

Charges apply: (1) promotional credits (earliest expiration first); (2) prepaid credits (earliest expiration first); (3) pay-as-you-go billing.

2.5 Forfeiture on Termination for Cause

Upon termination for violation of the Terms of Service or Acceptable Use Policy, all remaining credits are immediately and permanently forfeited. This constitutes liquidated damages, not a penalty. This forfeiture does not apply where prohibited by mandatory applicable law; in such jurisdictions, the forfeited amount shall be reduced to the extent required by law.

2.6 Account Deletion

Upon voluntary account deletion, all remaining credits are permanently forfeited except to the minimum extent required by mandatory applicable law. Account deletion is irreversible.

2.7 Enterprise Agreements

Customers with custom or enterprise prepaid agreements may have different terms as specified in their Order Form. In the event of a conflict, the Order Form prevails.

3. Billing Errors

3.1 Scope

Billing disputes are limited to verified billing errors only:

• Double charges: You were charged twice for the same API request or invoice.
• Charges for requests never made: You were charged for API requests your account did not initiate.
• Incorrect rate application: You were charged at a rate different from the rate applicable to your account at the time the request was processed.
• Charges for unforwarded requests: You were charged for a request MegaLLM's infrastructure failed to forward to any provider due to a MegaLLM system error.

3.2 Filing a Dispute

To file a billing dispute, email billing@megallm.io within thirty (30) calendar days of the disputed charge. Your dispute must include:

• Your account email
• The date and amount of the disputed charge
• The specific billing error category from Section 3.1
• Supporting evidence (request IDs, screenshots, logs)

Disputes filed after thirty (30) days are waived.

3.3 Investigation and Resolution

MegaLLM will review disputes and respond within a commercially reasonable timeframe. MegaLLM's determination regarding any billing dispute is final, except as required by mandatory applicable law.

3.4 Remedy

If MegaLLM confirms a billing error, the remedy is, at MegaLLM's sole discretion: (a) an account credit; or (b) a monetary refund to the original payment method. MegaLLM is under no obligation to issue a monetary refund where an account credit adequately addresses the error, except where mandatory applicable law requires otherwise.

4. Unauthorized Charges

If you believe unauthorized charges have been incurred on your account (not resulting from your negligence in securing credentials), report to security@megallm.io within thirty (30) calendar days of discovery. MegaLLM will investigate and may, at its sole discretion, issue credits or refunds for verified unauthorized charges resulting from a confirmed breach of MegaLLM's infrastructure.

5. No Service Level Credits

MegaLLM does not offer service level agreement (SLA) credits, uptime credits, error credits, outage credits, or any other form of automated or guaranteed compensation. The Service is provided on an "as available" basis without uptime or performance guarantees.

6. Chargebacks

6.1 Dispute Resolution First

You agree to contact billing@megallm.io to resolve billing concerns before initiating a chargeback with your financial institution. If you initiate a chargeback without first contacting MegaLLM, you agree to pay a chargeback processing fee of twenty-five United States Dollars ($25.00 USD) plus all investigation and administrative costs incurred by MegaLLM.

6.2 Account Suspension

MegaLLM may immediately suspend or terminate your account upon receiving a chargeback notification. Access will not be restored until the chargeback is resolved and all associated fees are paid.

7. EU/EEA/UK Consumer Rights

7.1 Right of Withdrawal

If you are a consumer in the EU/EEA/UK, you may have a right of withdrawal under the Consumer Rights Directive (2011/83/EU) within fourteen (14) days of purchase. However, by using the Service (making API requests), you acknowledge that the digital service has been fully performed during the withdrawal period and you expressly consent to the loss of your right of withdrawal per Article 16(a) of the Directive.

7.2 Mandatory Consumer Protections

Nothing in this Policy excludes or limits rights that cannot be excluded or limited under mandatory EU/EEA/UK consumer protection law. Where this Policy conflicts with mandatory consumer protection law, the mandatory law prevails.

8. No-Refund Scenarios

The following are explicitly not eligible for any refund, credit, or remedy:

• Dissatisfaction with model output quality, accuracy, completeness, or safety
• Service outages, downtime, or degraded performance (including upstream provider outages)
• Latency, slow response times, or timeout errors
• Rate limiting by MegaLLM or upstream providers
• Model deprecation, discontinuation, or version changes
• Feature changes, modifications, or removal
• Pricing changes or provider cost pass-throughs
• Voluntary account deletion or downgrade
• Account suspension or termination for Terms of Service or AUP violations
• Incompatibility with your application, use case, or expectations
• Changes to third-party provider terms, capabilities, or availability
• Force majeure events as defined in the Terms of Service

9. Limitation of Liability

The limitation of liability provisions in the Terms of Service (Section 12) apply to this Refund Policy. MegaLLM's total aggregate liability shall not exceed the greater of fees paid in the three (3) months preceding the claim or fifty United States Dollars ($50.00 USD).

10. Contact Information