Refund & Cancellation Policy
This policy is issued by FedM8 LLC, a Maryland limited liability company ("FedM8," "we," or "us"). It covers the paid FedM8 AI plans, Basic and Pro, and AI credit packs, all billed through Stripe on fedm8.com. It is part of our Terms of Service. If the Terms and this policy differ on refunds or cancellation, this policy controls. Read it with our Privacy Policy.
1. Plans and billing
- Free. The free tier costs nothing, so no refund applies to it. Moving to Free never deletes your data.
- Basic and Pro. These are subscriptions. You pay in advance, monthly or, where offered, yearly, through Stripe. Prices are shown at checkout, plus any applicable taxes. FedM8 never stores your card.
- Renewal. A subscription renews automatically at the end of each billing period until you cancel it.
2. Cancelling
- How to cancel. You can cancel at any time. In the app, open Account. Under Plan & billing, choose Open billing portal, and cancel your plan there. If you cannot reach that page, ask through the support form from your account email, and we will cancel it for you.
- When it takes effect. Cancelling stops future renewals. Your plan stays active until the end of the period you already paid for. Then your account moves to Free. You are not charged again.
- No refund or credit for unused time. FedM8 does not give a prorated refund or account credit for the unused part of a period, for monthly or yearly plans. Section 4 lists the refunds FedM8 does give.
- Your data. Cancelling does not delete your account or your data.
- While you have not accepted new Terms. You can cancel even if the app is asking you to accept a new version of the Terms (section 9).
3. Changing plans
When you move from one paid plan to another, FedM8 does not give a refund or credit for the unused part of the plan you are leaving. Section 4 of the Terms of Service says how to change plans. If a change leaves you charged twice for the same period, section 4 below applies.
4. Refunds
- Your first payment. If you ask within 14 days of the first charge for a Basic or Pro subscription, we refund that charge in full.
- Renewals. Renewal charges are not refunded, because you can cancel at any time before a renewal and keep your plan until the end of the period you paid for. Where the law gives you a stronger right to a refund, that right applies.
- Billing errors and duplicate charges. If we charged you in error, or charged you twice for the same thing, tell us through the support form. We refund the charge in full once we confirm the error.
- If FedM8 stops a paid plan. If FedM8 discontinues a paid plan you prepaid for, we refund the unused part of what you prepaid, prorated.
- Credit packs. Section 7 covers credit packs.
Refunds go back to the original payment method through Stripe. How long a refund takes to appear depends on your bank or card issuer.
5. Free months and offers
- Veteran free months. The veteran offer in the Terms gives an eligible account free months of Pro. They cost nothing, so no refund applies to them. They end on their own and never start a paid subscription.
- Starting a paid plan during free months. If you start a paid plan while your free months run, you are not charged until they end, or right away if they end within two days. That day is your first charge, and section 4 applies to it. If you do not want the paid plan, cancel it before then (section 2).
6. Price changes
We may change subscription prices with at least 30 days' notice. A new price applies from your next renewal. If you do not want to pay it, cancel before that renewal.
7. AI credits and credit packs
- Included credits. For the first 365 days of Pro on your account, Pro includes a monthly allotment of AI credits. The allotment resets at the start of each calendar month, in UTC time. Credits do not roll over: at each reset, unused credits are gone, including credits from packs.
- Credit packs. When FedM8 offers them, Pro members can buy a credit pack as a one-time payment. FedM8 sells packs only while the tools that spend credits are turned on. The plans page and your Account page show whether packs are offered.
- When pack credits arrive. Credits from a pack are added when your payment clears. If the payment does not go through, no credits are added.
- Using credits. Pack credits are spent like included credits. A pack does not extend the 365 days of included AI. You can spend credits only while your account has Pro and is within those 365 days.
- Paused tools. FedM8 may pause the tools that spend credits. While they are paused, the credits you already have stay on your account.
- No cash value. Credits have no cash value. FedM8 does not refund unused credits or credit pack payments, except for a billing error or a duplicate charge (section 4), or where the law requires a refund.
8. Deleting your account
Deleting your account in the app cancels any paid subscription right away, not at the end of the period. It does not refund the unused time. If you want a refund under section 4, ask for it through the support form before you delete your account.
9. If you do not accept a new version of the Terms
You do not have to accept a new version of the Terms of Service or of this policy. If you are on a paid plan, you can cancel instead, without accepting (section 2). Your plan then ends at the end of the period you already paid for, and you are not charged again. Declining does not give you a refund for that period. Any other refund right in this policy still applies. Until you accept, you can still cancel, ask for a refund, and contact Support.
10. How to ask
Use the support form in the app (Support) or on the support page, from your account email. We aim to reply within two business days; complex billing questions can take longer. Include the date of the charge. You can also email info@fedm8.com from your account email, call 937-442-8167, or write to FedM8 LLC, 4075 Wilson Blvd, Suite 856, Arlington, VA 22203.