Refund and Withdrawal Policy

This policy applies to the following paid items offered on PageMint.

1. Monthly or recurring subscription plans
2. Separately purchased credit packs or usage top-ups
3. Billing or credit-deduction errors, including failed generations, duplicate deductions, and mischarges
4. Disputes regarding the quality of deliverables
5. Orders, refunds, and payment disputes processed through Paddle

In principle, consumers may withdraw from a contract within seven (7) days from the date they receive the written contract terms. However, withdrawal may be restricted once the provision of a service or digital content has commenced, except that for divisible digital content or divisible services, withdrawal may still be available for portions whose provision has not yet started. In addition, if the goods or services differ from the description, advertisement, or the terms of the contract, withdrawal is permitted within three (3) months from the date of delivery, or within thirty (30) days from the date the user became aware or could have become aware of the discrepancy.

Where withdrawal is restricted by law, the Company will disclose such restrictions on the checkout screen, product description, or through this policy. If any refund standard set by the Company is less favorable to users than their statutory rights, applicable law shall prevail.

Upon payment, a subscription plan immediately grants access to the service, features, usage allowance, or included credits for the corresponding billing cycle, and may renew automatically unless cancelled before the next renewal date. For the purposes of this policy, delivery of a subscription is deemed to commence at the earliest of plan activation, unlocking of paid features, or allocation of included credits. When you cancel a subscription, you will no longer be charged from the next billing date, and the already-paid current cycle remains active until the end of that cycle. To avoid automatic renewal, cancellation must be completed before the renewal timestamp shown in your billing settings or Paddle checkout records. Billing dates and renewal timestamps are determined in the timezone reflected in the applicable billing system.

As a general policy, the Company does not provide pro-rata refunds for mid-cycle cancellations based on a change of mind after the current billing cycle has started and digital service delivery has commenced. However, full or partial refunds may be available in the following cases in accordance with applicable law and this policy.

1. Duplicate charges or clear mischarges for the same order
2. Paid features are materially unavailable in a manner that prevents normal use due to a Company system outage
3. The service materially deviates from the description, advertisement, or the individual contract
4. Withdrawal or refund is otherwise required by applicable law

Paid credit packs purchased separately from a subscription may be refunded within thirty (30) days of purchase, but only pro-rata against the unused paid credit balance at the time of the refund request. Credits already consumed through generation, regeneration, download, export, or other use are non-refundable.

Where both subscription allowance and paid top-up credits are available on the account, subscription allowance is consumed first, and top-up credits are consumed only after the subscription allowance is fully depleted. Any future complimentary or promotional credits will be governed by separate in-service notices.

The refund amount is calculated based on the actual amount paid for the order, in proportion to the number of unused paid credits, and may be adjusted to reflect applicable taxes or payment processor rules where required by law or the relevant payment provider. For example, if you purchase a 10-credit pack for USD 120 and use 4 credits, a refund request submitted within 30 days may result in a refund of USD 72 corresponding to the 6 unused credits, before any such adjustments.

Complimentary credits, promotional credits, event credits, and compensatory replacement credits are not eligible for cash refunds. The validity period and usage conditions for such credits are governed by separate in-service notices.

The Company may restore credits, cancel the affected order, or issue a refund without any additional charge in the following cases.

1. The deliverable was not generated correctly due to a model error, timeout, or internal system fault
2. Duplicate credit deductions occurred for the same generation request
3. Payment was completed but paid credits or paid features were not properly applied to the account
4. The purchased service was effectively not delivered due to a technical issue on the Company's side

In these cases, the Company will primarily restore the deducted credits automatically or manually. Where the payment itself was mishandled or the service was not delivered, a refund to the original payment method may be issued instead.

PageMint is an AI-based service, and results may vary even for identical inputs. The Company does not guarantee that every generated output will meet the user's subjective expectations. Accordingly, cash refunds are not provided solely on the basis of subjective dissatisfaction; instead, the Company may offer regeneration, replacement credits, manual review, or other reasonable remedies depending on the circumstances.

However, if the output falls into any of the following categories, the matter will be treated not as a mere quality complaint but as non-performance or a service defect, and refunds or additional remedies may be considered.

1. A core feature explicitly advertised at the time of payment is entirely unavailable
2. Generation features fail across multiple reasonable attempts under normal use conditions, making the paid features effectively unusable
3. The result materially deviates from the description, advertisement, or individually agreed scope
4. Deliverables or usage are irrecoverably lost due to the Company's fault

Quality disputes should in principle be filed within seven (7) days from the generation date or from the date the issue occurred, together with the order number, session or project identifier, and a description or screenshot of the issue.

To request a refund or credit restoration, please send the following information to [email protected].

1. Account email address
2. Order reference number or invoice number
3. Reason for the refund or restoration request
4. Relevant screenshots, error logs, or a description of the issue, if applicable

The Company will review the request and inform you of the outcome and the processing method (refund, credit restoration, replacement credits, regeneration, etc.). The Company will generally acknowledge refund requests within a reasonable period after receipt and may request additional information where reasonably necessary to verify the claim. Failure to provide requested information within a reasonable period may affect eligibility. Order-related refunds may be processed through Paddle, which acts as the Merchant of Record, and Paddle may directly request additional information or process the refund where necessary.

Where a valid statutory withdrawal is exercised or a refund is otherwise approved by the Company, the Company or Paddle will process the refund in accordance with applicable law and the policies of the relevant payment method. Under the E-Commerce Act, where a telecommunications seller has supplied a service or digital content, any amount received must be refunded within three (3) business days from the date of withdrawal, and any delay shall accrue interest at an annual rate of 15%. For payments made by credit card or similar means, the Company shall, without delay, request the payment provider to halt or cancel the charge.

The time at which the refund actually appears on your card statement or in your account may vary depending on the card issuer, bank, payment method, and Paddle's policies. According to Paddle's guidance, card refunds typically appear within 3 to 5 business days, and PayPal refunds within approximately 48 hours, although certain payment methods may be subject to time limits for refund eligibility.

Refunds are generally issued in the original transaction currency. Exchange-rate differences, bank fees, intermediary fees, or card issuer adjustments are not controlled by the Company and may affect the final amount received by the user.

Paid purchases on PageMint may be processed through Paddle. The specific Paddle contracting entity may vary depending on the buyer's region. Paddle acts as the Merchant of Record and authorized reseller, and is responsible for payment processing, tax collection, invoicing, order-related refunds, and certain dispute handling. Provision of the service itself, technical support, account features, deliverable generation, and product support remain the Company's responsibility.

If a payment dispute or chargeback arises, Paddle's policies and the procedures of the relevant payment provider may apply together. Paddle buyer support is available at paddle.net.

If a user initiates a chargeback or payment dispute without first contacting the Company or Paddle where reasonably possible, the Company may suspend ongoing service access, the use of remaining credits, and the generation of new deliverables while the dispute is under review, to the extent permitted by applicable law. This suspension does not affect digital assets that the user has already exported or downloaded prior to the dispute.

Refunds may be restricted or denied in the following cases, except where a refund or withdrawal is otherwise required by applicable law.

1. The provision of digital content or service has already commenced, and the user has actually used the relevant paid feature or credits
2. Only subjective dissatisfaction exists, without any identified service defect or contractual non-conformity
3. The request is for a cash refund of complimentary or compensatory credits
4. Fraud, payment abuse, policy abuse, or abnormal repeated refund requests are identified
5. The account has been restricted due to a violation of the Terms of Service
6. A substantial period has elapsed since the purchase or incident such that the facts can no longer reasonably be verified

The Company may amend this policy in response to changes in applicable law, service structure, payment methods, or internal policies. Material changes will be communicated through in-service notices, email, or other reasonable means. Any amendment unfavorable to users will follow the notice procedures required by applicable law and the Terms of Service.

For questions about refunds, withdrawal, credit restoration, or payments, please contact us at the address below.

• Company: ShareInvest Co., Ltd.
• Representative: Sangwoo Park
• Business Registration Number: 779-87-00484
• Address: 579 Jungbu-daero, Giheung-gu, Yongin-si, Gyeonggi-do, Republic of Korea
• Service: PageMint
• Email: [email protected]