Effective Date: 27 March 2026
At Overchat (“Company”, “we”, “our”, or “us”), we provide access to digital AI-powered services, including but not limited to text, image, audio, and other generative tools (the “Services”). This Refund Policy explains when refunds may be granted and is designed in accordance with applicable consumer protection laws.
By purchasing and using our Services, you expressly acknowledge and agree that:
• The Services constitute digital content and digital services delivered immediately upon purchase.
• Performance of the service begins instantly once access is granted or the first interaction is made.
• By using the Services, you explicitly consent to immediate performance and waive your right of withdrawal
• (14-day cooling-off period) under Article 16(m) of Directive 2011/83/EU.
You agree that you are not entitled to a refund once the service has been used, even partially.
All purchases are final and non-refundable, except as explicitly stated in this policy or where required by applicable law.
A purchase is considered “used” when any of the following occurs:
• ending a message or request to any AI model.
• Generating text, images, audio, or other outputs.
• Consuming Credits or accessing paid features.
Refund requests submitted after the Services have been used will not be granted, except where required by applicable law or in cases of verified technical error.
In some cases, you may obtain or purchase credits (“Credits”) to access certain features of the Services. Credits represent prepaid amounts for products or services offered through the Services and must be used within the applicable validity period. Any unused Credits will be forfeited if your Account is canceled or the Services are discontinued. Credits do not have monetary value, cannot be transferred, reloaded, or exchanged for cash, except where required by law. The Company reserves the right to modify the terms governing Credits at any time, and the amount or type of Services available in exchange for Credits may change at the Company’s sole discretion.
Use of any portion of purchased Credits constitutes full performance of the associated digital service.
By completing a purchase, you acknowledge that you have reviewed and accepted this Refund Policy prior to payment.
You may request a refund only if all of the following conditions are met:
• No use of the Services has occurred.
• The request is submitted within 14 calendar days of the purchase.
• You provide valid transaction details.
If the above conditions are met, you may be eligible for a refund, which will be processed using the original payment method.
We reserve the right to use system records, including usage logs, timestamps, and account activity, as evidence when determining eligibility for refunds or responding to payment disputes.
By purchasing a subscription, you acknowledge that:
• Subscriptions are recurring and billed automatically at the selected interval (e.g., weekly, monthly).
• You are responsible for managing or canceling your subscription before the next billing cycle.
You acknowledge that we do not provide refunds for:
• Previously billed subscription periods.
• Partial subscription periods.
• Unused time or unused credits.
You agree that cancellation only prevents future charges, not past ones. By completing a purchase, you acknowledge that you have been clearly informed of the recurring nature, pricing, and billing frequency of the subscription prior to checkout.
If your purchase includes credits or usage-based access:
• Credits are non-refundable once any portion has been used.
• Unused credits may expire according to the applicable plan terms.
In the case of a verified technical issue, such as:
• Duplicate charges.
• Payment processing errors.
• Service not delivered due to a system failure.
We may, at our sole discretion, issue a refund or credit.
Each case will be investigated individually.
We take abuse and fraudulent activity seriously.
We reserve the right to:
• Deny refund requests in cases of suspected abuse.
• Suspend or permanently terminate accounts involved in disputes or fraudulent behavior.
• Restrict future access to the Services.
We strongly encourage you to contact us before initiating any chargeback or dispute so we can resolve the issue promptly.
Filing unjustified or abusive chargebacks may result in account suspension, termination, and restriction of future access to the Services.
We strongly encourage users to contact us first to resolve any issue.
We are committed to fair and transparent resolution of issues.
Before initiating a dispute with your bank or payment provider (e.g., Stripe), please contact us at support@overchat.ai.
This Refund Policy is governed by the laws of Estonia and complies with applicable European Union consumer protection regulations.
Where mandatory legal rights apply, such rights will always prevail over this policy.
