PLARO Billing and Refund Policy

Automatic renewal: paid plans renew automatically every month or every year until you cancel, charged through Creem at the plan’s price (tax included). There is no minimum purchase, and the price changes only through the procedure below. To avoid the next charge, cancel before the renewal date in Account settings › Billing (Team settings › Billing for a team); your plan stays active until the period you paid for ends.

• Subscriptions renew automatically, and are charged, on the same cycle (every month or every year) until you cancel.
• Changing the billing cycle of a personal PRO plan: switching from monthly to yearly charges the full yearly price at once, not a difference, and a new year starts that day. The unused part of the monthly period is refunded separately, right away, to the original payment method. AI credits and recording time keep coming every month as before. Switching from yearly to monthly keeps the yearly period you paid for to its end; the first month is charged just before the year ends, and the few hours of the year left at that point are refunded.
• Confirmation e-mail: after each payment on a personal plan, and after the payment that starts a team subscription (to the person who paid), we e-mail the contract details (plan, amount, billing cycle, automatic renewal, how to cancel, withdrawal and refund terms, the seller and the service provider, and a link to the terms). The extra charge for added seats sends none. For consumers in Canada this e-mail is the contract copy: in the contract language it opens with a contract summary (the consumer and their address, the seller and the service provider, place and date of the contract, the service, the monthly price, other charges, this payment and its tax, the payment method, term and expiry, limits and regions of use, cancellation and refunds, and how to end at expiry), and the Terms of Service and this Policy are attached. Creem publishes no phone number, so phone enquiries go to PLARO’s number.
• Renewal notices: for yearly subscriptions we e-mail the renewal date, amount, renewal term and how to cancel (for teams, also the last day to cancel) 75 days and again 35 days before each renewal. For monthly subscriptions we send one notice with the amount, the next payment date and how to cancel 35 days before the renewal that completes each 12 months since the subscription began. Team notices go to the person who paid. For consumers in Canada the yearly renewal notices also say: cancelling before the renewal date costs nothing, and after it you may still cancel at any time and get the unused days back within 15 days; how to cancel (Cancel subscription or Cancel now under Account settings › Billing); that the contract renews on that date if you do not respond; and the contract terms after renewal. For consumers in Québec a yearly plan continues for an indefinite term after its first year (paid a year in advance, cancellable at any time with the unused days refunded, no cancellation fee).
• If a personal plan’s renewal payment fails (a declined card and the like) or the subscription is paused in Creem, you keep your plan for 7 days; if it is not paid by then (for a pause, not resumed by then), you move to the free plan.
• Team plans: Creem sends the payment receipts, and the payment history is under Team settings › Billing.
• If we raise the price of a paid plan, 30 days before the first payment at the new price we tell you the date, the old and new price, how you will be charged, and how to refuse or cancel and what that does, and we ask separately whether you agree. No answer means you do not agree. Without your agreement we do not charge the new price: we keep the old price, or end the subscription and refund the period not yet started. Even after agreeing, you can cancel before that payment date.

• You can cancel at any time, directly under Account settings › Billing. "Cancel subscription" keeps paid features until the end of the current billing period, and future charges stop. Cancelling in the Creem customer portal works the same way.
• "Cancel now" (personal monthly and yearly plans): you move to the free plan right away, and we refund the time not yet used, with no other deduction, to the original payment method within 3 business days. Each payment is counted over the period it paid for. For a yearly plan: the months not yet started in full, plus this month’s share less the larger of the share of its days already passed and the share of AI credits and recording minutes used this month (against the plan’s monthly allowance). For a monthly plan: the payment less the larger of the same two shares (the whole billing period counts as this month). Within 7 days of a payment, if you have not used the AI credits or recording minutes that came with it, the whole payment comes back (Section 4 — on monthly plans through “Withdraw and get a full refund”). If nothing would come back, "Cancel now" is not shown and "Cancel subscription" stops the next payment. Consumers in Canada (people who bought for themselves) get back the share of the paid days still left, with no deduction, and a monthly payment that renewed the plan in British Columbia comes back in full (if the province of your billing address is unknown, British Columbia is assumed).
• To delete an account whose personal plan still has time left, first get the remaining amount back with "Cancel now" under Account settings › Billing (or with “Withdraw and get a full refund” for a monthly payment you can still withdraw from — Section 4). Once the refund is done (usually within 3 business days), you can delete the account. If nothing would come back, the subscription ends at once with the account.
• A cancellation scheduled in the app can be undone until the billing period ends (personal plans in Account settings, team plans by the owner who pays, in Team settings). In a team whose payer has handed over ownership, the new owner can cancel but cannot undo it; to keep the team, buy seats again after the period ends. A cancellation made in the Creem customer portal ends the subscription at Creem at once and cannot be undone there; PLARO keeps paid features until the end of the period already paid.
• Team plans: "Cancel subscription" stops the plan at the end of the current billing period. "Cancel now" (team owner only, Team settings › Billing) stops the team’s features at once and refunds the time not used to the original payment method within 3 business days. For each payment: the months not yet started in full, and this month less the larger of the share of its days already passed and the share of AI credits and recording minutes the team used this month (against seats × the per-seat monthly allowance); a monthly team counts the whole billing period as this month. An amount paid during a period for added seats counts from the month it was paid. Within 7 days of a payment, if the team has not used AI credits or recording minutes since, the whole payment comes back. Team plans are business contracts, so the rules for consumers in Canada do not apply. Seats can be bought again after cancelling or after a full refund ended the plan (the 30-day and 3-refund limits in Section 4 apply). A team that ended with a chargeback (a dispute of the card payment) can’t buy seats again.
• Team seats:seats added during a period are charged at once for the rest of the period, and their AI credits and recording time are added at once; seats removed take effect from the next billing period. When team ownership passes to someone else, the subscription and payment method stay with the person who paid: they manage billing and seats, and the new owner can also cancel. If the person who pays deletes their account, the team’s next payment stops: the period already paid runs to its end (seats can’t be changed meanwhile), or ends at once if a renewal was unpaid. After that, the new owner can buy seats with their own card.
• If you dispute a payment with your card issuer (a chargeback): when it is the current billing period’s payment, the plan ends at once (a team’s features stop); when it is an earlier payment or a charge for seats added during the period, you keep the current billing period to its end, no further payment is taken, and this cancellation can’t be undone.
• After a refund or downgrade, the AI credits and recording minutes granted by the paid plan may be adjusted to the pre-payment baseline or to the free-plan baseline.

• The conditions below are for withdrawal and change-of-mind refunds. They do not limit the rights the law where you live gives you if the service is faulty (for example repair, cancellation and refunds under the Australian Consumer Law or New Zealand’s Consumer Guarantees Act).
• On personal plans you can withdraw (ask for a refund) within 7 days of receiving the payment confirmation e-mail with the contract details. The same applies to each automatic renewal payment. On monthly plans you can do it at once with “Withdraw and get a full refund” under Account settings › Billing; on yearly plans “Cancel now” refunds the whole payment in the same case. Either way you move to the free plan right away. The same applies to the yearly payment made when switching from monthly to yearly; for that payment, the whole amount comes back if you have used no AI credits or recording minutes since the switch.
• Monthly plans: once you start using the AI credits or recording minutes that came with a payment, withdrawal of that payment is limited (Article 17(2)(5) of Korea’s Act on Consumer Protection in Electronic Commerce). After that, "Cancel now" still refunds the part not used (Section 3). Except for the features only paid plans have (listed on the pricing page), you can try the features on the free plan with smaller limits before paying, and the checkout screen shows this limit in advance.
• Yearly plans: within the 7 days you get a full refund if you have not used the AI credits or recording minutes that came with the payment; after that, "Cancel now" gives back the months not yet started and what is left of this month at any time (Section 3). Credits and recording minutes on a yearly plan are provided month by month, so months not yet provided are refunded whether or not you used the earlier ones.
• Team plans: within 7 days of a payment, if the team has not used AI credits or recording minutes since, the whole payment comes back; after that, the team owner gets the time not used back with "Cancel now" (Section 3). The full refund within 7 days can also be asked for with the refund inquiry under Team settings › Billing. Team plans are sold as business contracts.
• If the service differs from how it was presented or advertised, or is not provided as agreed, you can withdraw within 3 months of receiving it and within 30 days of when you learned or could have learned this, whether or not you have used it.
• We may refuse or limit a refund only where the payment was already refunded or a refund is in progress, the payment failed or was cancelled, or a ground set by law applies, such as a fraudulent payment. If a payment record cannot be checked automatically, the operator checks it by hand.
• To prevent the same benefits being taken again and again, a person who received a refund cannot start a payment again (personal plans and team payments alike) for 30 days, and after 3 refunds in total we no longer accept payments. A full refund requested within 7 days of payment is a withdrawal, also when it comes through “Cancel now”, and counts toward neither; any other refund from “Cancel now” (partial, or whole after 7 days) starts the 30 days but is not counted. A payment disputed with the card issuer (a chargeback) counts as a refund toward both, even within 7 days of payment. This does not stop the withdrawal or refund of payments already made; if you have a particular reason, contact support.
• For consumers in Canada (people who bought for themselves, not for a business), the cancellation, refund and renewal-notice rights given by their province’s consumer protection law (Québec, Ontario, British Columbia, Alberta and others) take precedence over this Policy. "Cancel now" gives consumers in Canada the days left back with no deduction, and a monthly payment that renewed the plan in British Columbia comes back in full (Section 3 — within 3 business days, sooner than the 15 days the law allows). For example, a consumer in Québec may cancel at any time and pays only for the services already provided.

• You can ask for a refund with “Withdraw and get a full refund” (personal monthly plans) or "Cancel now" (personal yearly plans) under Account settings › Billing, through the in-app support or refund inquiry, under Team settings › Billing, or at the contact e-mail. PLARO checks the billing record and usage.
• We cancel the charge or refund it within 3 business days of the day you withdraw or cancel now. If we are late, we add late-payment interest at 15% a year for the days of delay (Article 18(2) of Korea’s Act on Consumer Protection in Electronic Commerce). For card payments, the card issuer may take longer to reflect the cancellation.
• Approved refunds are generally returned to the original payment method through Creem, and the time they take to appear depends on the card issuer or bank.
• Where mandatory law or Creem’s Buyer Terms are more favourable to you than this Policy, they prevail. For New Jersey residents, every provision of this Policy applies and is enforceable, except sentences that by their own words apply only to consumers in Canada, Australia or New Zealand.

• Contact email: hyunjaeyoo@plaro.kr

• Complaints about payments or refunds can be made to customer support (hyunjaeyoo@plaro.kr, +82-10-8322-8776). We handle them without delay, and if we cannot resolve one right away we tell you why and when we will.
• If a dispute is not resolved, you can apply for mediation to the Korea Consumer Agency (1372 within Korea, www.kca.go.kr) or the Electronic Document and Transaction Dispute Mediation Committee (www.ecmc.or.kr). Consumers in other countries can also turn to their own consumer bodies (for example the ACCC in Australia, the Commerce Commission in New Zealand, the Office de la protection du consommateur in Québec, CASE in Singapore, and the FTC and state attorneys general in the United States).