Legal
Refund Policy
This policy covers everything SHIFTai sells. It forms part of the SHIFTai Terms of Service and, for Club members, the Independent Sales Agent Agreement, which control in the event of any conflict.
Purchased AI credits may only be returned, refunded or reversed as this policy allows. A purchase is complete, and the credits are earned by SHIFTai, at the time of purchase; using them later does not change that. A refund reverses the purchase, and within 72 hours of the sale it also reverses the commissions earned on it.
What you are buying
SHIFTai sells two things, and they refund differently.
| Item | Price | What it grants |
|---|---|---|
| SHIFTai Membership | $99 per month, recurring | 20,000 credits each month and access to the AI Studios |
| AI credits | One-time, minimum $50 | AI credits. Nothing else |
SHIFT AI Credits are a product for using the Studios, not a deposit. They are spent when you generate something in a Studio. They have no cash value, confer no ownership or profit interest, and cannot be exchanged for money.
Buying credits is not an investment. Credits carry no cash value and no claim on company revenue. Your credit balance does count toward your CreditPay ranking, as set out in section 9 of the Terms of Service.
No scheduled purchase is required to reach a Club or to keep Club standing. Earning does require an active membership, and a share of the weekly club pools also requires $99 of your own purchases in the trailing month, as set out in section 9 of the Terms of Service. You buy credits when you want them, in the amount you want. Membership is a subscription and you can cancel it at any time without losing credits you already hold or earnings already accrued.
How a member enters a Club
Nothing is sold that grants a Club outright. You enter a Club when your cumulative AI credit volume reaches that Club's threshold. Volume accrues on credits purchased: the credits you buy and the credits bought by customers you referred. Using credits does not add to volume or reduce it. There is no limit on how many credits you may buy.
Club standing is cumulative and permanent. Volume accrues for the life of your account. It does not decay, expire, or reset, and spending credits does not reduce it — a credit that counted toward your volume stays counted after you use it. Once you reach a Club, you are in that Club.
Refunds are the one exception. Because volume accrues when you buy, refunding credits reverses the volume those credits accrued, and your Club standing is adjusted to match. If a refund takes your volume below a Club threshold, you leave that Club. Your current volume and the distance to the next threshold are shown in your account, and we state the effect on your standing before any refund is processed.
The Enterprise Club and the Club below it also require our written approval. Reaching the threshold does not by itself admit you — see the approval section below.
Monthly membership
Cancel any time in Settings. Cancelling stops all future charges, and your membership stays active until the end of the period you have already paid for.
The current month is not refundable. The 20,000 credits for that month are delivered at the start of the period and are yours to use from day one.
Cancelling does not remove anything you already have. Your credits, your Club standing, everything in your Vault, and your connections all remain. Earnings already accrued are not forfeited. They are held and release when you reactivate.
Credit purchases
You have 72 hours from purchase to request a full refund of any credits you have not spent. No reason required.
Purchases paid by bank wire or by crypto are final. A purchase made on or after 2 November 2026 and paid by bank wire (including bank transfer) or by crypto or stablecoin cannot be refunded on request, and is not bought back if you close your account. The 72-hour window and the buyback apply to card purchases. A failed or duplicate charge is still an error we correct (see below).
Purchases made before 2 November 2026 keep the window that applied when they were made: 7 days for purchases made from 19 October 2026 to 1 November 2026, and 30 days for purchases made before 19 October 2026, whatever the payment method. Wherever this policy says 72 hours, read that window for those purchases.
Credits you have used are not refundable, even inside the 72 hours. Only credits still unused in your account can be refunded. If you have used part of a purchase, you get back only the unused share of what you paid: for example, if you buy 200,000 credits and use 150,000 of them, the refund covers the 50,000 left, which is 25% of the price. If you have used all of them, there is nothing to refund.
The refund is calculated on your unspent balance at the price you actually paid. Refunded credits reverse the Club volume they accrued.
Credits do not expire. There is no deadline by which you must use them.
Buyback when you close your account
Separately from the 72-hour window, if you close your account SHIFTai will buy back your unused credits from card purchases at any time (purchases paid by bank wire or crypto on or after 2 November 2026 are final and are not bought back):
| Within 72 hours of purchase | 100% of the price you paid |
| After 72 hours | 40% of the price you paid |
Why the rate changes. SHIFTai distributes up to 60% of every credit sale as earnings to the members who generated it. Inside the 72-hour window we reverse those earnings, so we can return the full amount you paid. After 72 hours those earnings have been paid out and stay with the members who earned them, and the 40% is the portion SHIFTai still holds. The rate is a flat one, set against the maximum we distribute.
This applies whether you close the account yourself or SHIFTai closes it. Your credits are never simply forfeited.
Enterprise and top-Club approval
The Enterprise Club and the Club immediately below it are not open enrollment. Entry requires an application, an interview, a review of your current AI consumption, and SHIFTai's written approval. At the top of the ladder, standing is underwritten, not purchased. Payment alone does not produce approval.
| Situation | Outcome |
|---|---|
| Approved, then you cancel | The standard credit refund and buyback rules above |
| Approval later withdrawn | Club standing lapses. Nothing else changes — your credit balance, the value of credits you hold, earnings already accrued, and your Vault content are untouched |
Where a signed enterprise agreement differs from this policy, the agreement controls, and this policy is the floor. An enterprise account can negotiate better terms than these, never worse ones.
What a refund does to earnings already paid
When a sale is refunded, the earnings paid on that sale are reversed. Only on that sale, and only for the member who was paid on it.
There is no chain. Nothing is clawed back from anyone above or below anyone, because there is no above or below. EcoPay pays the member who contributed to a specific sale, so a refund of that sale unwinds exactly that payment and nothing else. If you did not earn on the refunded transaction, a refund of it does not touch you.
Earnings are reversed on refunds made within 72 hours of the sale (7 days for sales made from 19 October 2026 to 1 November 2026, and 30 days for sales made before 19 October 2026). After that they stand, and are not clawed back from the member who earned them.
What reverses on a refund inside that window:
- CoachPay paid to the member who referred that buyer.
- ContentPay paid to the member whose tagged content drove that sale.
- That sale's contribution to the seller's ClubPay allocation for the period, and the Club volume it accrued for both buyer and seller.
What does not change:
- Any other member's earnings, from any other sale.
- Any other member's Club volume or standing.
- Product value already redeemed — credits, compute, event access, competition entries.
If your earnings are reversed, we notify you and name the transaction.
What is not refundable
- Purchases paid by bank wire or crypto on or after 2 November 2026. They are final, and are not bought back on closure.
- Credits already spent. Generating an image, video, voice clip or track consumes credits and produces a file you keep. Those credits are gone.
- Earnings already paid to you. Money already sent to your bank is not reversed by a refund of your own purchase. Future earnings may be reduced if a sale you were paid on is refunded, and only that sale.
- Redeemed product value. Once Miles are converted into credits, compute, event access or competition entries, that redemption is final.
If you close your account
| What | What happens |
|---|---|
| Unspent credits | From card purchases: bought back at 100% within 72 hours of purchase (7 days for purchases made from 19 October 2026 to 1 November 2026, and 30 days for purchases made before 19 October 2026), 40% after. Purchases paid by bank wire or crypto on or after 2 November 2026 are final and are not bought back. See the buyback section above |
| Accrued but unpaid earnings | Paid on the next normal cycle, less any reversals |
| Vault content | Available to download for 90 days, then deleted |
The 90-day download window is stated again in the email confirming your closure.
How refunds are returned
Refunds go back to the original payment method. The crypto and bank wire rows apply only to refunds this policy still allows on those methods: purchases made before 2 November 2026, and corrections of failed or duplicate charges.
| Method | How it returns | Timing |
|---|---|---|
| Card, Apple Pay, Google Pay, Link | Same card or wallet | 5–10 business days |
| Stablecoin or crypto | As stablecoin, to the wallet that paid | On confirmation |
| Bank wire | By wire to the originating account | Per bank timing |
Crypto refunds return as stablecoin to the paying wallet. Not as dollars, and not to a different wallet. This is how our payment processor handles crypto refunds and it cannot be redirected.
Failed or duplicate charges
If you were charged twice for the same thing, or charged for something that never delivered, that is not a refund question. It is an error, and we fix it. Tell us through the support chat in the Suite, or email support@shiftai.club, with the date and amount.
Credits are automatically returned to your balance when a generation fails.
Chargebacks
Contact us first. A chargeback filed without contacting us can suspend your account while the dispute is resolved, and any earnings on hold stay held until it closes. We would rather solve it directly.
Stablecoin payments have no chargeback mechanism at all. A crypto payment is final once confirmed, and crypto purchases made on or after 2 November 2026 are not refundable.
How to request a refund
Request your refund from your account, so it is recorded against the right purchase:
- Log in to the SHIFT AI Suite at suite.shiftai.club with the email you purchased with.
- Open the support chat (bottom right) and say you want a refund, and for which purchase (date and amount).
- The chat opens a support ticket on your account, and you will receive an email from SHIFT AI Support confirming we received your request. That email is your record, dated the day you asked. Reply to it to add anything.
If you cannot log in, email support@shiftai.club from the email address you purchased with, including the date, the amount and what you would like to happen. Your email also opens a support ticket.
A refund request is dated the day it reaches us by either route. We acknowledge every refund request within 3 business days.