Refund Policy

Cognilumos uses a credit-based pricing model. Credits are spent when you run analyses, generate ideas, or trigger AI-powered comparisons inside the product. This page explains when credits are returned to you and when they are not.

1. Automatic refunds during a run

When you start a research run, the credits required for that run are reserved up front. If Cognilumos or one of the providers we depend on fails before the run completes, the unfinished portion of the reservation is automatically returned to your balance.

2. Completed work is non-refundable

Credits spent on a run that completed successfully are not refundable. Once an analysis, idea report, explanation, comparison summary, or cognitive video report has been delivered to your workspace, the underlying compute and API costs have been incurred.

3. Monthly credit cycle and unused credits

Paid plans refill credits on a monthly cycle. Unused credits at the end of a billing cycle do not roll over to the next cycle and are not refundable in cash.

4. Cancellation

You can cancel a paid plan at any time from the billing screen. Your remaining credits stay usable until the end of the current paid cycle, and no further charge is taken.

5. Duplicate or incorrect charges

If you believe you were charged in error, contact us within 30 days of the charge. Verified errors are refunded to the original payment method or, where applicable, returned as credits.

6. Disputes and chargebacks

Before opening a chargeback with your bank or card issuer, please contact us first. We respond to refund and dispute requests within 14 business days.

7. Changes to this policy

We may update this Refund Policy as the product evolves. Material changes will be announced inside the product before they take effect.