Refund and cancellation policy

XM DIGITAL SERVICES LLC sells credits that are consumed when our software generates an image. Each image costs 5 credits. Credits are a digital product delivered to your account balance immediately on activation, and they are consumed as you use the service.

Because credits are digital and delivered instantly, they are treated as consumed once used. This policy explains exactly when a refund is available and how to request one.

Credits are reserved when a generation starts. If an image is not delivered for any reason — a provider error, a timeout, or a safety refusal — the credits for that image are returned to your balance automatically.

Every reservation and refund is recorded in the credit ledger on your Credits page, so you can always see what was charged and what was returned.

Card checkout is not enabled yet. Plans and credit packs are requested from the website, and we email an invoice for the amount shown on the request form.

Submitting a request does not charge you and does not activate anything. Your plan is activated, and credits are added to your balance, only after the invoice has been paid and payment has cleared. If you decide not to proceed, simply do not pay the invoice, or email us and we will cancel it — there is nothing further to do and nothing is owed.

If an invoice was issued for the wrong plan, amount or billing details, email us before paying and we will reissue it.

If you have paid an invoice and you are not satisfied, contact us within 7 days of payment. If you have used no more than 10% of the credits included in that purchase, we will refund the payment in full to the original payment method.

After credits have been substantially used, or after 7 days, payments are non-refundable, because the service has been delivered. We may still offer a partial refund or credit at our discretion where there has been a technical fault on our side.

Duplicate payments, incorrect amounts and billing errors are always refunded in full, regardless of the 7-day window.

Monthly plans can be cancelled at any time by emailing us before your next invoice is issued. There is no cancellation fee and no notice period. You keep access, and any remaining credits, until the end of the period you have paid for.

Annual plans can be cancelled for future years at any time. A paid annual term is not pro-rata refundable after the 7-day window described above, because the discounted annual price reflects the full term.

Plan credits are granted for the billing period they belong to and refresh at the start of each period. Free signup credits and purchased top-up packs do not expire while your account remains active.

Credits have no cash value outside the service, cannot be transferred between accounts, and cannot be exchanged for money except as part of a refund described in this policy.

Please contact us before raising a chargeback — almost every issue is resolved faster by email. Accounts that raise a chargeback for credits that have already been used, or that create multiple accounts to claim free credits repeatedly, may be suspended.

Email Info@xmdigitalservices.com from the address on your account with your invoice reference and a short explanation. We reply within one business day, and approved refunds are issued to the original payment method within 5 to 10 business days depending on your bank.