Billing Terms

Last Updated: January 23, 2025

1. Overview

All billing, payments, and credit purchases for QuROI services (including Wisepanel, DiamondMCP, and API access) are processed exclusively through the QuROI Platform at quroi.com.

QuROI operates on a prepaid credit system with one-time purchases and optional auto-recharge. We do not currently offer subscriptions, but may introduce subscription plans in the future.

2. Payment Models

A. Credit-Based Usage

QuROI operates on a prepaid credit system:

• Credit Purchase: You buy credits in advance (e.g., $10, $25, $50, $100, or custom amounts)
• Usage Deduction: Credits are deducted as you use services
• Wallet Balance: Displayed in your account dashboard
• Low Balance Warnings: Notifications when credits run low
• Service Interruption: Some features may be unavailable if wallet balance reaches zero

B. Credit Pricing

Credit pricing is based on actual usage of AI models and platform resources. Charges are calculated based on:

• AI model compute usage (tokens processed by various providers)
• Number of agents deployed in your workflow
• Debate rounds and multi-agent coordination
• Infrastructure and orchestration overhead

Exact costs are shown in real-time during usage and in your transaction history. Pricing may vary based on the AI models selected and complexity of your requests.

C. Auto-Recharge (Optional)

You may enable automatic recharge to maintain uninterrupted service:

• Trigger Threshold: Set a minimum balance (e.g., $5)
• Recharge Amount: Set amount to add when triggered (e.g., $25)
• Payment Method: Uses your saved payment method on file
• Email Notification: You'll receive confirmation when auto-recharge occurs
• Cancellation: Disable auto-recharge any time from your account settings

D. Future Subscription Plans

QuROI may offer subscription plans in the future with included credits or usage quotas. If introduced, details will be displayed at purchase and governed by separate terms.

3. Payment Processing

A. Payment Methods

We accept payment via Stripe, our third-party payment processor:

• Credit cards (Visa, Mastercard, American Express, Discover)
• Debit cards
• Other payment methods supported by Stripe

B. Security

QuROI does not store full credit card numbers. All payment information is processed and stored by Stripe in compliance with PCI-DSS standards.

C. Failed Payments

If a payment fails (credit purchase or auto-recharge):

• You'll receive an email notification
• Auto-recharge may be disabled automatically
• Service may be interrupted if wallet balance is insufficient
• Update your payment method to restore service

4. Credit Types

A. Purchased Credits (Non-Refundable)

• Credits you pay for directly via one-time purchase or auto-recharge
• NOT refundable except as specified in Section 6
• No expiration unless otherwise stated

B. Promotional Credits (Non-Refundable)

• Earned through user actions, referrals, campaigns, or promotional offers
• NOT refundable
• May have expiration dates
• Used after purchased credits in most cases

C. Enterprise Credits

• Negotiated credit packages for business customers
• May include specifically designated refundable credits per contract terms
• Governed by Enterprise Master Services Agreement
• Custom billing terms may apply

5. Usage Metering & Transparency

Your account dashboard displays:

• Current Wallet Balance: Total credits available
• Purchased Credits: Amount from direct purchases
• Promotional Credits: Amount from bonuses/promos
• Total Used: Historical credit consumption
• Transaction History: Itemized list of purchases and usage

Usage is calculated based on:

• AI model provider costs (tokens processed)
• Number of agents deployed
• Debate rounds completed
• Additional premium features (if applicable)

6. Refunds

A. General Refund Policy

B. Limited Refund Exceptions

Refunds are ONLY provided for:

• Enterprise agreements with specifically negotiated refundable credits (per contract terms)
• Billing errors or duplicate charges verified by our team
• Fraudulent transactions verified by our team
• Legal requirements in your jurisdiction (e.g., cooling-off periods under local consumer protection laws)

C. Non-Refundable Items

• All purchased credits (consumer accounts) - both used and unused
• All promotional credits regardless of usage
• Auto-recharge transactions completed successfully
• Future subscription fees (if introduced)

D. How to Request a Refund

Email billing@quroi.com with:

• Your account email
• Transaction ID or purchase date
• Reason for refund request

We will respond within 5-7 business days. Approved refunds are processed via the original payment method.

7. Taxes

Prices displayed do not include applicable taxes (sales tax, VAT, GST, etc.).

You are responsible for:

• All applicable taxes based on your location
• Providing valid tax exemption certificates if applicable
• Any withholding taxes or import duties

Stripe automatically calculates and collects taxes where required. Tax amounts will be shown before payment confirmation.

8. Price Changes

We may change pricing for future purchases:

• Notice: At least 30 days advance notice for significant increases
• Existing Credits: Purchased credits retain their value regardless of price changes
• Future Subscriptions: If introduced, existing subscribers will be notified of price changes per subscription terms

9. Billing Disputes

If you believe you were charged incorrectly:

1. Check your transaction history in your account dashboard
2. Contact us at billing@quroi.com within 60 days
3. Provide details: date, amount, reason for dispute
4. We will investigate and respond within 10 business days

Do not initiate chargebacks before contacting us. Chargebacks may result in account suspension pending investigation.

10. Account Suspension for Non-Payment

If your wallet balance reaches zero:

• You will receive a low-balance warning notification
• Some features may be disabled until credits are added
• Your account data will be retained (not deleted)
• Reactivate by purchasing more credits

Enterprise customers: Invoice payment terms are governed by your Master Services Agreement.

11. Enterprise Billing

Enterprise customers with negotiated contracts may have:

• Custom credit packages or subscription tiers
• Net-30 or Net-60 invoice payment terms
• Volume discounts
• Dedicated support SLAs
• Custom billing cycles

See Enterprise Master Services Agreement for details.

12. Currency

All prices are in United States Dollars (USD).

If you pay in a different currency via your payment method, your bank or card issuer may apply currency conversion fees. QuROI is not responsible for these fees.

13. Contact for Billing Questions

Related Documents

• Master Terms of Use
• Privacy Policy
• Enterprise Master Services Agreement

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