How Striv protects AI credits and governs subscription refunds.

POLICY 01

Dual-Layer Architecture

Separate protocols for internal AI credit rollbacks and fiat subscription billing.

Striv governs two independent billing layers: (1) Internal Workspace AI Credits metered per AI request inside atomic workspace credit ledgers, and (2) Fiat Monthly or Annual subscription payments processed externally by Whop as Merchant of Record. Credit failures resolve automatically in-app in milliseconds, whereas monetary subscription refunds follow verified invoice and usage audits.

POLICY 02

Automated AI Credit Refunds

Atomic transaction locks and automatic credit restoration on AI errors.

Every AI Chart Canvasing analysis, Copilot completion, memory-only Vision OCR scan, Equity Simulation, or Risk & Expectancy Auditor execution locks workspace balance and monthly usage ceilings inside an atomic database transaction. If upstream AI providers time out, return malformed overlays, or fail prior to delivering valid output, our ledger automatically restores the exact deduction as an audited credit reversal. Temporarily disabled features block upfront before any credit deduction.

POLICY 03

Two-Way Support Ticket Sync

Disputed AI runs resolved with audited #TCK credit compensation.

If an AI deduction completed upstream but yielded corrupted chart overlays or failed OCR extraction due to a platform defect, workspace users may submit an AI Credits & Token Allocation Refund (#TCK) ticket inside Support Desk (/support, up to 5 active tickets per workspace). Authorized reviewers can issue credit grants atomically alongside ticket replies—recording an audited adjustment tagged with the ticket ID and triggering an instant in-app notification.

POLICY 04

Fiat Subscription Refunds

Eligible full monetary refunds across duplicate billing, severe faults, and 48h errors.

Eligible workspaces receive a full fiat refund through Whop only under specific verified grounds: (a) Accidental duplicate invoice settlement for the same billing period; (b) Verified core platform outage or inability to access paid features lasting over 72 continuous hours following an unresolved support ticket; or (c) Accidental first-time annual upgrade or unintended auto-renewal requested within 48 hours of settlement when strictly less than 10% of the new cycle AI credit grant has been spent. Statutory consumer withdrawal protections apply where non-waivable by local law.

POLICY 05

Non-Refundable Exclusions

Zero refunds for market drawdowns, consumed AI cycles, or policy bans.

Fiat subscription fees and spent AI credits are strictly non-refundable under these scenarios: (1) Financial losses, margin liquidations, slippage, or missed market entries—Striv provides analytical charts and deterministic math, never profit guarantees; (2) Partially elapsed months or consumed billing cycles where >= 10% of granted AI credits or bulk OCR/chart quotas were used; (3) Workspaces suspended for prompt-injection breaches (Prompt Shield), burner-email trial farming, or API abuse; and (4) Mid-cycle manual cancellations requesting retroactive daily proration.

POLICY 06

Cancellation & Disputes

Lossless Free-tier reversion, cohort re-entry rules, and billing contact.

You may cancel auto-renewal anytime inside Workspace Billing & Plans or through your Whop Customer Billing Portal link to stop future charges while retaining paid access until period end. Upon expiry, workspace limits revert to Free plan ceilings without deleting logged trades. Re-subscribing later remains subject to active cohort caps. For billing issues or refund requests, email billing@usestriv.com with your Whop payment ID or submit a ticket in Support Desk (/support) prior to filing a bank chargeback.