Effective date: 2026-04-30
Version: 1.0.0
This Refund Policy is part of, and incorporated by reference into, the Contentko Terms of Service. Capitalized terms have the meaning given in the Terms.
Default rule: All fees are NON-REFUNDABLE
By paying any subscription, credit pack, top-up, or other fee, you acknowledge that all fees are non-refundable upon payment, except as expressly stated below or as required by mandatory consumer-protection law that you have not validly waived.
AI generation credits are consumed on use. Once a generation has been started by your prompt, the corresponding credit is consumed regardless of the outcome (output quality, your decision not to publish, platform rejection of the resulting post). Credits do not have monetary value, do not roll over indefinitely, and are not redeemable for cash.
Limited exceptions
(a) Subscription not yet started
If you paid a subscription fee and no AI generation has been performed and no third-party fee has been incurred within the same billing period, you may request a refund within 7 days of payment. Refund will be net of:
- payment-processor fees we incurred (Stripe ~2.9% + USD 0.30 in U.S., higher internationally),
- a 15% administrative fee (minimum USD 50),
- any tax we have already remitted on the transaction.
(b) Service we cannot deliver
If we conclude we cannot deliver a contracted feature (e.g. we deprecate it), we will refund the unearned portion. A delay or rejection by a third-party platform (TikTok, Meta, Google, Anthropic, OpenAI) is not a basis for refund — those decisions are outside Contentko's control.
(c) EU consumer cooling-off
If you are an EU/UK consumer who has not waived your withdrawal right under EU Directive 2011/83/EU Art. 16(m), you have 14 days to withdraw. Email [email protected] with subject EU Withdrawal. Generating any AI output through Contentko constitutes "performance has begun" and waives the right under Art. 16(m); the on-account waiver text appears at sign-up.
Never refundable
- Credits already consumed
- Fees for past subscription periods, even if you didn't actively use the Service
- Pass-through fees of any kind
- Discretionary discounts on a refund calculation
- Fees paid more than 12 months before the request
Termination by Contentko
If we terminate under Section 6 of the Terms (AUP / law / platform-policy violation, fraud, abuse, repeat-infringer policy), no refund is owed.
How to request
1. Email [email protected] with subject Refund Request — [Account email]
2. Include: invoice numbers, amount paid, date paid, services delivered to date, basis for refund
3. We acknowledge within 5 business days, decide within 30 days
4. Approved refunds returned net of processor fees, within 10 business days
Chargebacks
Initiating a chargeback without first attempting good-faith resolution under this Policy is a material breach. We will: (a) defend with full evidence, (b) terminate your account immediately, (c) bill you for chargeback-defense costs, (d) refer to collection.
Governing law
State of Wyoming, USA. Disputes subject to the mandatory individual arbitration clause in Section 14 of the Terms.
Contact
Legal Entity
Contentko is a service operated by:
BCAX LLC
30 N Gould St Ste R
Sheridan, WY 82801
United States of America
Employer Identification Number (EIN): 42-2153191
State of formation: Wyoming, USA
This entity is the data controller and contracting party for all users of contentko.com.
Governing Law & Jurisdiction
These terms are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-laws principles. The exclusive forum for any dispute shall be the state and federal courts located in Sheridan County, Wyoming, except where applicable consumer-protection law of your country of residence grants you a non-waivable right to a local forum.
Contact
Legal & data-protection inquiries: [email protected]
For data-subject-rights requests (access, deletion, portability, objection), use the same email with subject line DSR Request. We respond within 30 days as required under GDPR Article 12 and within 45 days under California CCPA §1798.130.