No-Refund Policy — All Sales Final

0. Owner's Universal Reservation of Rights

This Refund Policy is issued by GenZHook ("Company", "Owner") and incorporates the Owner's Universal Reservation of Rights set out in Terms of Service section 1.1, the Authorized-Use License in section 1.2, the Benefits Reservation in section 1.3 (Discounts, Rewards & Other Benefits), the Dynamic Pricing & FX clause in section 1.4, and the Comprehensive Owner Protections in section 18. Without limiting those sections, the Owner reserves the absolute, exclusive, and unfettered discretion, with or without prior notice and without liability, to: (a) introduce, restructure, withdraw, suspend, refuse, claw back, or permanently discontinue any subscription plan, tier, add-on, top-up, credit pack, boost pack, promotion, coupon, promo code, voucher, gift code, discount (percentage, fixed amount, BOGO, tiered, volume, loyalty, anniversary, holiday, flash, partner-channel, or otherwise), free trial, free tier, free credits, bonus credits, referral reward, affiliate commission, cashback, rebate, royalty, revenue-share, beta access, early access, grandfathered rate, lifetime deal, dedicated/specialist plan, custom plan, partner program, affiliate program, referral program, or any other commercial offering, incentive, benefit, reward, or gift, in whole or in part; (b) set, raise, lower, surge, recompute (in real time, daily, or on demand), restructure, re-tier, prorate, cap, floor, or remove any price, fee, charge, billing interval, currency, FX rate, FX-buffer markup, credit weight, credit cost, credit conversion ratio, quota, allowance, rate-limit, throughput-cap, or any discount level / coupon value / promo amount / referral payout / affiliate commission attached to any plan, feature, program, or relationship — partially or fully; (c) pass through any AI-provider, infrastructure, payment, telecom, hosting, tax, levy, duty, or third-party cost increase to your invoices or credit weights, immediately or with delay, without any obligation to pass through cost decreases; (d) apply personalized, segmented, A/B-tested, geo-targeted, surge, demand-based, or experimental pricing across users, sessions, devices, or regions; (e) accept, decline, suspend, restrict, lock, downgrade, or terminate any subscription, account, organization, or third-party at any time, with or without cause; and (f) modify or replace this Refund Policy at any time with effect upon posting. You bear all FX, currency-conversion, intermediary-bank, cross-border, and rounding risk on payments to and refunds from the Owner. You waive any and all claims, refunds, set-offs, or compensation arising from the exercise of these rights, except where applicable mandatory law provides otherwise.

1. General rule — all sales final, no refunds, no exceptions

All fees — subscription charges (monthly, yearly), add-on purchases, feature top-ups, dedicated/specialist plans, custom plans, marketplace transactions, gift purchases, and any other payment to the Owner — are billed in advance and are strictly, finally, and unconditionally non-refundable. No money refund, pro-rated refund, partial refund, alternative compensation, account credit-as-cash, set-off, or charge-reversal is issued under any circumstance, including (without limitation): plan changes, plan upgrades, plan downgrades, plan discontinuation, feature additions, feature changes, feature removal, quota reduction, rate-limit reduction, AI-provider switch, model change, price changes (up or down), FX swings, dynamic-pricing recalculation, surge pricing, personalized pricing, account suspension, account termination (voluntary, by the Owner, with cause, without cause), AUP violation, ToS breach, fraud investigation, payment-processor reversal, service modification, service interruption, downtime, outage, force-majeure events, regulatory change, geographic restriction, sanction-driven shutoff, dissatisfaction, accidental purchase, duplicate purchase, change of mind, change of business need, change of role/employer, or any decision the Owner makes pursuant to its Universal Reservation of Rights. The Owner's right to introduce, restructure, or retire any other commercial offering — including future credit-pack or boost-pack variants — is preserved by the Universal Reservation of Rights and the Benefits Reservation, and any such offering will inherit this no-refund rule in full.

2. Cancellation policy — cancel anytime, but no refund

You may cancel your subscription or individual add-ons at any time from your Settings page or the Stripe billing portal. Cancellation is the only available remedy; refund is not. Upon cancellation:

You retain full access to your plan and all active features until the end of the current paid billing period — i.e., you keep what you already paid for, in full.
No refund, no credit, no pro-rated amount, no alternative compensation is issued for the remaining or unused portion of the period, regardless of how little of it you used.
Auto-renewal stops at the end of the period; your account reverts to the Free plan (or to no plan, if the Free plan has been retired).
Cancellation does not entitle you to recovery of any add-on, top-up, or one-time purchase, all of which remain final and non-refundable.
If you cancel mid-cycle and a renewal charge has already posted, that charge is non-refundable; cancellation takes effect at the end of the most recent paid period.

3. Downgrades

You may downgrade to a lower-tier plan at any time. No refund, no credit-back, no pro-rated amount, and no alternative compensation is issued for the price difference between the higher and lower tiers, for any unused portion of the current period, or for any feature or quota lost as a result of the downgrade. Upon downgrade, your monthly credit allocation is adjusted to the new plan's limits immediately — unused credits from the higher plan do not carry over beyond the current cycle and are forfeited without compensation. The downgrade itself takes effect at the end of the current paid period unless the Owner elects, in its sole discretion, to apply it sooner.

4. Credits, top-ups, add-ons

Monthly credit allocations reset each billing cycle and do not roll over; unused credits at cycle-end are forfeited without compensation, refund, or alternative reward.
Purchased feature top-ups, add-ons, and one-time purchases are strictly, finally, and unconditionally non-refundable, non-transferable, and non-cashable. They do not expire while your account is in good standing, but expire on account termination, suspension, or AUP violation without any refund or compensation. The Owner does not currently sell standalone credit-only packs or "boost" packs and reserves the absolute right to introduce, withdraw, or restructure any such offering in the future under the Benefits Reservation in Terms section 1.3; this no-refund rule applies in full to any past or future variant.
Credit weights, credit costs, credit conversion ratios, and credit-allocation amounts may be recomputed by the Owner at any time under the Universal Reservation of Rights and the Dynamic Pricing & FX clause; no refund or compensation arises from any such recomputation, even if it reduces the amount of work your purchased credits or plan allowance can perform.
Internal credits consumed by a generation that fails for a platform-side reason are automatically restored to your in-app credit balance. This is an internal-credit-unit balance correction only — it is not a money refund, gives rise to no monetary obligation, claim, or liability, and may be modified, suspended, or removed at any time under the Universal Reservation of Rights.

5. Yearly plans

Yearly subscriptions may be cancelled at any time; cancellation takes effect at the end of the current paid period (12 months). No pro-rata refunds, no partial refunds, no alternative compensation are issued for partial years, unused months, or any portion of the prepaid term. Annual prepayment is non-refundable in full once any credit has been consumed, any AI generation has been issued, or any social-account connection has been made — typically within seconds of completed checkout.

6. EU / UK / cooling-off-jurisdiction consumers — express waiver

By subscribing to a paid plan, purchasing credits, top-ups, add-ons, or otherwise paying any amount, you expressly request that the digital service and all digital-content delivery commence immediately at the moment of completed checkout, before the end of any statutory cooling-off period. You expressly, knowingly, and irrevocably waive any right of withdrawal, cancellation, cooling-off, money-back, or refund that you may otherwise have under Art. 16(m) of the EU Consumer Rights Directive, the UK Consumer Contracts Regulations 2013, or any analogous mandatory consumer-protection law of your jurisdiction, to the maximum extent permitted by law. You acknowledge that this immediate-commencement request is required to access the Service and is a fundamental, bargained-for term of the commercial relationship.

Where applicable mandatory law nonetheless preserves an unwaivable refund right that cannot be lawfully overridden by your consent, that residual right is strictly limited to the absolute minimum the law requires, applies only if (a) zero credits have been consumed, (b) zero AI generations have been issued, (c) zero social-account connections have been made, (d) zero downloads or exports have occurred, (e) the user is acting strictly within the statutory window, and (f) the user has first contacted billing@genzhook.com in writing to seek resolution before any chargeback or external claim. In every other case, no refund is available, and the no-refund banner at the top of this page applies in full.

7. Price changes & annual review

The price-change rules depend on which billing cadence you choose:

7.1 Monthly subscriptions — no annual lock

Monthly subscriptions are not price-locked. Each monthly renewal is charged at the then-current published price for your plan. We provide:

14 days advance notice by email before any monthly price change takes effect.
Right to cancel at any time — cancellation takes effect at the end of your current paid month, no refund for the period already paid.
Credits, content, integrations, and scheduled posts are unaffected — only the dollar amount on your next invoice changes.
Want a price lock? You may switch to a yearly plan at any time to gain the protections in 7.2 below.

7.2 Yearly subscriptions — 12-month price lock

When you subscribe to a yearly plan, your price is locked for 12 months from your initial subscription date. On each subscription anniversary, your subscription is automatically migrated to our then-current pricing for that plan. We provide:

60 days advance notice by email and in-app banner.
Right to cancel before the migration — cancellation takes effect at the end of your current paid period, no refund.
One-time 15% loyalty discount on your first bill after migration if the increase exceeds 15%.
Credits, content, integrations, and scheduled posts are unaffected — only the dollar amount changes.
Price drops pass through automatically.

7.3 Emergency pricing clause

We may invoke an emergency pricing clause if AI provider costs spike by more than 40% in any 90-day period — in that case, the same notice period for your billing cadence (14 days monthly, 60 days yearly+) plus right to cancel plus loyalty discount apply, but outside the normal cycle. By subscribing you expressly consent to this mechanism. See Terms of Service section 8.1–8.3 for the full clause.

7.4 Dynamic pricing, FX & non-locked items

The notice cadences in 7.1, 7.2, and 7.3 apply only to billed subscription renewals. Everything else — pre-purchase price displays, feature top-ups, add-ons, dedicated/specialist plans, custom quotes, free-tier value, credit weights between cycles, FX-converted amounts, surge multipliers, personalized/A-B-tested prices, tax/levy/duty additions, and discount/coupon/promo values — is governed by the Owner's Dynamic Pricing & FX rights set out in Terms of Service section 1.4, which is incorporated into this Refund Policy by reference. You bear all FX, currency-conversion, intermediary-bank, cross-border, surcharge, and rounding cost on payments to and refunds from the Owner; the Owner is not the FX-rate setter and has no liability for spreads or conversion fees. A displayed price is binding only for the single transaction at the moment of completed checkout; it confers no entitlement to that price on any future transaction, top-up, or renewal. The Owner may pass through any provider-cost, infrastructure-cost, tax, levy, or third-party-fee increase to your invoices or credit weights — partially or fully, immediately or with delay — and is under no obligation to pass through cost decreases. No claim, refund, set-off, credit, alternative reward, or compensation arises from any price fluctuation, dynamic recalculation, FX swing, surge, personalized-pricing variance, tax addition, or rounding action.

8. Chargebacks & payment disputes — strict no-tolerance

Initiating a chargeback, payment-processor dispute, bank reversal, PayPal claim, Apple/Google in-app refund request, or any analogous external-claim mechanism without first contacting billing@genzhook.com in writing and allowing 14 calendar days for resolution constitutes a material breach of these terms and of the Terms of Service. Accounts with open or pending chargebacks are immediately suspended pending resolution; access, scheduled posts, integrations, exports, downloads, and AI generations are paused. If a chargeback is filed in bad faith, in violation of this section, or after the user has substantially used the Service, the Owner may (a) submit full evidence of usage to the payment processor, (b) recover the disputed amount plus a chargeback-handling fee, intermediary-bank fee, FX-conversion cost, and reasonable attorney's fees from any other balance, credit pack, or future charge to the user, (c) terminate the account permanently, (d) blacklist the user, payment instrument, billing address, IP, and device fingerprint from re-registration, and (e) report the incident to the relevant fraud-prevention networks. A reversed chargeback does not entitle the user to a refund or to reactivation of the terminated account.

9. Termination for AUP violation, ToS breach, or fraud

Accounts suspended or terminated for violation of the Acceptable Use Policy, breach of the Terms of Service, fraud, abuse, sanctions or export-control violation, payment-instrument fraud, identity misrepresentation, account-sharing violation, scraping, automation against the AUP, or any other material breach, are not eligible for any refund, credit-back, alternative compensation, data export, content recovery, or restoration of unused credits, feature top-ups, add-ons, or remaining subscription term, regardless of how recently the user paid or how much of the prepaid period remains.

10. Service interruption, outage, force majeure — no compensation

The Service is provided on an "as available" basis and depends on third-party AI providers (Google Gemini, Anthropic, OpenAI, Hugging Face, etc.), social-platform APIs (Meta, Google, X, TikTok, LinkedIn, etc.), payment processors, hosting providers, ISPs, and other external systems. No refund, credit-back, compensation, SLA payout, fee waiver, account credit, additional credits, plan extension, or alternative remedy arises from any service interruption, downtime, performance degradation, AI-provider outage, AI-provider rate-limit, AI-provider price change, AI-provider deprecation, social-platform outage, social-platform policy change, social-platform deplatforming or restriction of integration, payment-processor outage, hosting outage, DNS issue, DDoS event, security incident, scheduled maintenance, emergency maintenance, force-majeure event (including without limitation: war, armed conflict, terrorism, sanctions, embargo, civil unrest, riot, strike, labor action, pandemic, epidemic, public-health order, natural disaster, earthquake, flood, fire, storm, power outage, telecommunications failure, internet backbone failure, government action, court order, regulatory change, denial of license, denial of import/export permission, supply-chain disruption, semiconductor shortage, cloud-provider failure), or any combination of the foregoing, whether of short or long duration, partial or total, foreseeable or unforeseeable.

11. Owner-initiated termination & service discontinuation — no compensation

The Owner reserves the absolute right, under the Universal Reservation of Rights, to terminate any account, subscription, or organization at any time, with or without cause, with or without notice, in whole or in part. The Owner also reserves the absolute right to discontinue the Service in whole or in part, retire any plan, retire any feature, retire any integration, or wind down operations entirely. In every such case, no refund, credit-back, pro-rated reimbursement, severance payment, transition payment, alternative-service voucher, data-migration assistance fee waiver, or compensation of any kind is payable to the user. The user's sole remedy is to download or export available data within any technical export window the Owner elects, in its sole discretion, to provide; the Owner is under no obligation to provide such a window.

12. Reservation of Rights — No Acquired Right to Any Plan, Feature, Price, Quota, Discount or Benefit

You expressly acknowledge that no payment, subscription, renewal, redemption, course of dealing, or past grant creates any acquired right, vested right, or legitimate expectation in any specific plan, feature, integration, AI provider, model, template, brand element, price, fee, billing cadence, credit weight, credit cost, quota, allowance, rate-limit, throughput-cap, geographic availability, discount, coupon, promo code, voucher, gift code, free credits, bonus credits, referral reward, affiliate commission, cashback, rebate, royalty, beta-access perk, grandfathered rate, lifetime deal, or any other monetary or in-kind benefit, or any other element of the Service. The Owner's discretion to modify, suspend, claw back, or discontinue any of the foregoing — partially or fully, at any time, with or without notice — is fundamental to the commercial bargain. The mechanics in section 7 (price-review notice, loyalty discount, cancellation rights) are contractual courtesies, not statutory entitlements; the Owner may modify or remove them subject to the Universal Reservation of Rights and applicable law. You waive any "reliance" or "promissory estoppel" claim premised on past plan structure, past pricing, past feature availability, past quota, past discount, past coupon redemption, past reward, or past commission rate.

13. Comprehensive waiver, release & acknowledgement

By subscribing, paying, or using the Service, you irrevocably and unconditionally waive, release, and discharge the Owner, its affiliates, officers, directors, employees, contractors, suppliers, payment processors, and successors from any and all claims, demands, causes of action, suits, proceedings, refund claims, restitution claims, set-off claims, unjust-enrichment claims, promissory-estoppel claims, reliance claims, consumer-rights claims, contract claims, tort claims, statutory claims, regulatory claims, equitable claims, and any other claim of any nature whatsoever, known or unknown, arising directly or indirectly out of any payment, charge, billing event, plan change, price change, FX swing, dynamic-pricing recalculation, surge, feature change, feature removal, plan discontinuation, account suspension, account termination, service interruption, outage, force-majeure event, or any other event covered by this Refund Policy or by the Universal Reservation of Rights, except only where applicable mandatory law preserves an unwaivable right and only to the absolute minimum the law requires. You acknowledge that the price of the Service has been priced based on this no-refund policy as a fundamental, bargained-for, material term, and that the Owner would not have offered the Service to you at the offered price absent this no-refund policy.

14. How to contact us

For billing questions, email billing@genzhook.com from your registered address with your invoice number. Do not initiate a chargeback before contacting us; doing so is a material breach (see section 8).