PHOBIK STUDIO™ REFUND & CREDIT POLICY

Version 1.0

Effective Date: Aug 1, 2026

OUR COMMITMENT

At Phobik Studio™, we strive to make every song generation a meaningful creative experience.

Because each AI-generated song and artwork requires the use of computational resources and third-party AI services at the time a request is processed, this Refund & Credit Policy explains how Credits are issued, used, refunded, and, when appropriate, restored.

This Policy forms part of the Phobik Studio Terms of Service.

TABLE OF CONTENTS

1. Purpose
2. What Are Credits?
3. Purchasing Credits
4. Using Credits
5. Refund Policy
6. Failed Generations
7. Duplicate Charges
8. Fraud Prevention
9. Promotional Credits
10. Changes to This Policy
11. Contact Information

1. PURPOSE

This Policy explains:

• how Credits work;
• when Credits are deducted;
• when Credits may be restored;
• when refunds are available;
• how billing issues are handled.

Unless otherwise required by applicable law, this Policy governs all Credit purchases made through Phobik Studio.

2. WHAT ARE CREDITS?

Credits are digital access rights that allow you to request AI-generated songs and artwork through the Service.

Credits:

• are not currency;
• are not a bank account;
• are not a prepaid financial product;
• are not redeemable for cash;
• are not transferable to another user;
• are not refundable except as described in this Policy or where required by law;
• have no monetary value outside the Service.

Credits represent permission to request AI generation services.

3. PURCHASING CREDITS

Credits may be purchased through payment methods supported by Phobik Studio.

Available Credit packages, pricing, and promotional offers may change from time to time.

Prices are displayed before checkout.

Applicable taxes may be added where required by law.

Payment processing is performed by independent third-party payment providers.

Phobik does not store complete payment card information.

4. USING CREDITS

Credits are deducted when a generation request is accepted for processing.

The number of Credits required for a generation may vary depending on:

• the type of content requested;
• selected features;
• generation settings;
• future premium capabilities introduced by Phobik.

Credit balances are displayed within your account where available.

5. DO CREDITS EXPIRE?

Unless otherwise stated at the time of issuance, purchased Credits do not expire.

However:

• promotional Credits;
• bonus Credits;
• trial Credits;
• referral Credits; and
• other complimentary Credits

may carry expiration dates or additional restrictions, which will be disclosed when those Credits are awarded.

6. REFUND POLICY

Because AI generation begins shortly after a request is submitted and incurs immediate computational and third-party processing costs, completed generations are generally not eligible for refunds.

Accordingly:

• completed Credit purchases are generally final;
• Credits that have already been used to generate content are generally non-refundable.

Nothing in this Policy limits any refund rights that may be required under applicable consumer protection laws.

7. WHEN WE MAY RESTORE CREDITS

Although refunds are generally unavailable for completed generations, we want users to receive the service they paid for.

Phobik may, in its sole discretion, restore Credits when a generation fails due to a technical issue within our control.

Examples include:

• the generation fails before content is produced;
• a server interruption prevents delivery of the requested content;
• an internal processing error occurs after Credits are deducted;
• duplicate deductions occur for the same request.

Credit restoration is typically the preferred remedy rather than a monetary refund.

8. WHEN REFUNDS MAY BE AVAILABLE

Refunds may be considered in limited circumstances, including:

• duplicate payment processing;
• unauthorized transactions verified after investigation;
• technical errors that cannot reasonably be resolved through Credit restoration;
• circumstances where a refund is required by applicable law.

Refund requests are evaluated individually.

Submitting a request does not guarantee approval.

If approved, refunds will generally be issued to the original payment method, subject to the policies and processing times of the payment provider.

9. WHAT IS NOT ELIGIBLE FOR A REFUND?

Refunds generally will not be provided because:

• you changed your mind after a successful generation;
• you no longer wish to use the Service;
• you do not like the artistic style of the generated song or artwork;
• the AI produced an unexpected creative result;
• you expected different lyrics, music, or imagery;
• you accidentally used Credits after confirming your request;
• your musical tastes changed after generation.

AI-generated content is inherently creative and subjective. Differences in artistic style or personal preference do not, by themselves, constitute a technical defect.

10. DUPLICATE CHARGES

If you believe you were charged more than once for the same purchase, please contact us promptly.

After review, if we determine that a duplicate charge occurred, we may:

• restore the duplicate Credits;
• issue a refund for the duplicate payment; or
• provide another appropriate remedy.

11. FRAUD PREVENTION

To protect our users and the integrity of the Service, Phobik reserves the right to investigate transactions that appear fraudulent, abusive, or inconsistent with this Policy.

We may suspend Credit purchases, temporarily delay fulfillment, or restrict account access while investigating suspected fraud, chargebacks, payment abuse, or other misuse.

Chargebacks initiated without first contacting Phobik may result in temporary suspension of your account while the matter is reviewed.

12. PROMOTIONAL CREDITS

From time to time, Phobik may offer promotional Credits through free trials, referrals, contests, marketing campaigns, or other promotions.

Unless otherwise specified:

• promotional Credits have no cash value;
• promotional Credits may expire;
• promotional Credits cannot be transferred;
• promotional Credits cannot be redeemed for cash;
• promotional Credits may be revoked if issued in error or obtained through fraud.

13. CHANGES TO THIS POLICY

Phobik may update this Refund & Credit Policy from time to time.

Material updates will become effective on the Effective Date shown at the beginning of the revised Policy.

Continued use of the Service after such updates constitutes acceptance of the revised Policy.

14. CONTACT US

Questions regarding billing, Credits, or refunds may be directed to:

Phobik Corp Phobik Studio™

Website: https://www.phobikstudio.com

Billing Support: billing@phobikstudio.com

General Support: support@phobikstudio.com