Credits and Payments Policy

This Credits and Payments Policy ("Policy") explains how credits work on EmberScripts ("the Service"), operated by Osei Interactive ("we", "us", "our"). It is incorporated by reference into our Terms of Service. By purchasing or using credits, you agree to this Policy.

1. Overview

EmberScripts is free to sign up and use. Every feature of the writing studio is available to every account. Credits exist for one purpose: paying for inference on our hosted AI models. Hosted-LLM usage is metered per input/output token by model tier; fixed-cost operations (text-to-speech, image generation, voice transcription) are charged at flat per-call rates. If you provide your own provider keys (OpenRouter, ElevenLabs), you can use the Service without ever spending a credit on inference routed through those keys — you pay those providers directly, and we add no platform markup.

2. Credit Issuance

2.1 Signup Bonus

New accounts receive 500 bonus credits on first account creation. The bonus is issued once per natural person. Creating multiple accounts to receive multiple signup bonuses is a violation of Section 3 of our Terms of Service and will result in revocation of the bonus credits on all affected accounts.

2.2 Credit Packs

Credit packs are one-time purchases. Current packs, pricing, and per-credit rates are shown on our pricing page and at checkout. Packs are sold in U.S. dollars (USD) net of applicable taxes; see Section 10.

2.3 Promotional Credits

From time to time we may issue additional credits as part of a promotion, goodwill gesture, or partnership. Promotional credits may carry their own expiry date or usage restrictions, which will be stated at the time of issuance. Where a promotion states no expiry, the default 12-month rolling expiry in Section 4 applies.

3. Credit Usage

3.1 What Credits Pay For

Credits are spent exclusively on hosted AI inference through the Service, including (without limitation):

• Agent and workshop turns using our hosted Claude models.
• Ghost-text completions and inline edits using our hosted Haiku model.
• Scene narration using hosted text-to-speech (e.g., Gemini TTS).
• Image generation (portraits, covers, scenes).
• Voice transcription of dictated writing sessions.

Hosted Claude usage (Agent and Workshop turns, ghost-text completions, inline edits, style learning, and other LLM-backed assistance) is metered per input and output token by model tier; the pre-call hold and the post-call charge are displayed in the application, and per-tier rates are published on our pricing page. Fixed-cost operations (text-to-speech, image generation, voice transcription) are charged at flat per-call rates shown before each generation. Core authoring features — the writing Canvas, story management, public wiki sharing, and published stories — do not cost credits.

3.2 Spending Order

Your account balance is a single pool of credits. When a generation is charged, bonus credits (signup bonus and promotional credits) are drawn down before purchased credits. This is to preserve the economic value of purchased credits for refund purposes under Sections 5 through 7.

3.3 Bring Your Own Keys (BYOK)

If you configure your own provider keys in the Service, generations routed through those keys do not consume credits and are billed directly by the provider. BYOK configuration is optional and may be enabled, disabled, or scoped per feature at any time.

4. Expiry

4.1 Rolling 12-Month Expiry

Credits expire 12 months after your most recent account activity. Account activity resets the 12-month clock and includes: signing in, purchasing a credit pack, generating content that consumes credits, and exporting your content. Active users will not, in practice, lose credits to expiry.

4.2 Pre-Expiry Notifications

If your account approaches the 12-month inactivity threshold, we will send email reminders to the email address associated with your account at 60 days and 14 days before expiry, so that a brief sign-in or export is sufficient to preserve your balance.

4.3 Effect of Expiry

Expired credits are removed from your balance and are not refundable in cash. If you subsequently return to the Service, a new 12-month clock begins upon your next qualifying activity.

5. Refunds

5.1 14-Day Cooling-Off Period

You may request a full refund of unused credits from a credit pack purchase within 14 days of the purchase date. "Unused" means the number of credits remaining in your account that were funded by the pack in question; credits that have already been spent on generations cannot be refunded.

5.2 Outside the Cooling-Off Period

After the 14-day cooling-off period, purchased credits are non-refundable except (a) where we discontinue the Service under Section 7, (b) where a refund is required by applicable mandatory law, or (c) where we determine in our sole discretion that a refund is warranted as a goodwill remedy.

5.3 How to Request a Refund

Submit refund requests through our Contact page, citing the account email and the approximate purchase date. We aim to process eligible refund requests within 14 business days, via reversal to the original payment method. Refund processing is handled by our payment processor (Stripe) and is subject to its operational timing.

5.4 No Fees on Refunds

We do not charge a processing fee on refunds issued under this Policy. Taxes collected at checkout are refunded proportionally with the refunded amount.

6. Account Deletion

If you voluntarily delete your account under Section 9.1 of our Terms of Service:

• Bonus and promotional credits are forfeit immediately upon deletion.
• You may request a refund of any unused purchased credits within 14 days of deletion, at the original per-credit purchase price, via our Contact page. After 14 days, purchased credits are also forfeit.
• We may require reasonable verification (e.g., a reply from the original account email) before processing a post-deletion refund.

7. Service Discontinuation

If we decide to discontinue the Service in whole, or to discontinue hosted AI inference such that credits can no longer be redeemed, we will:

• Provide at least 90 days' advance notice to registered users by email and through in-app notice.
• During the notice period, continue to honor credit redemption for all supported features, and allow export of your content.
• On request within the notice period, refund any unused purchased credits on a pro-rata basis at the original per-credit purchase price via the original payment method where feasible, or by alternative means where not.

Bonus and promotional credits carry no cash value and are forfeit on discontinuation.

8. Termination and Suspension

8.1 Termination for Cause

If we terminate your account under Section 9.2 of our Terms of Service for violation of the Terms, including the Prohibited Content provisions, we reserve the right to forfeit any unused credits on the account, whether bonus or purchased. We will communicate the grounds for termination and, where the violation is not one involving illegal content, give you a reasonable opportunity to be heard before forfeiture becomes final.

8.2 Chargebacks

If you file a chargeback or payment dispute with your card issuer or bank against a credit purchase, we will suspend your account while the dispute is pending and may freeze credits funded by the disputed charge. If the chargeback is resolved in our favor, suspension may be lifted; if it is resolved in your favor, the corresponding credits are removed from your balance and your account may be closed.

8.3 Abuse and Fraud

Credits obtained through fraudulent purchases, multi-accounting to stack signup bonuses, exploiting bugs, or other abuse are revocable without refund.

9. Price and Feature-Cost Changes

We may change the price of credit packs, introduce new packs, or change the per-generation credit cost of individual features. Material changes will be communicated at least 30 days in advance by email or through the Service. Your existing balance is preserved in credits; it is not re-priced. Where the per-generation cost of a feature increases, the new cost applies only to generations triggered after the change takes effect.

10. Taxes and Fees

Prices displayed on our pricing page and during purchase are in U.S. dollars (USD) net of applicable taxes. Value-added tax (VAT), goods and services tax (GST), sales tax, and other applicable taxes are calculated and added at checkout by our payment processor (Stripe Tax) based on the billing address you provide. Tax invoices are available through Stripe's customer portal.

11. Payment Processor

Purchases are processed by Stripe — Stripe Payments Europe, Ltd. for customers in the EU/EEA and Stripe, Inc. for customers elsewhere. We do not store full payment card numbers on our systems; Stripe handles card data directly. Details of the personal data shared with Stripe are set out in our Privacy Policy.

12. Transferability

Credits are tied to the account that earned or purchased them. They are non-transferable between accounts and are not redeemable for cash, except via the refund paths set out in Sections 5 through 7. Credits have no monetary value outside the Service.

13. Eligibility and Restricted Jurisdictions

You may purchase credits only if you are at least 13 years old (per Section 2 of our Terms of Service) and are not resident in, or purchasing from, a jurisdiction subject to Swiss or applicable trade sanctions (as administered by the Swiss State Secretariat for Economic Affairs, SECO). We may decline or refund purchases that appear to originate from a restricted jurisdiction.

14. Limitation of Liability

Our liability arising out of or in connection with this Policy is limited as set out in Section 10 of our Terms of Service. In particular, our total liability for any claim relating to credits, purchases, expiry, or refunds shall not exceed the amount you paid to us in the 12 months preceding the claim, or CHF 100, whichever is greater, in accordance with Article 100 of the Swiss Code of Obligations (OR). Nothing in this Policy excludes or limits liability for damages caused intentionally or through gross negligence.

15. Affiliate Links

Some links on the EmberScripts marketing site (for example, the "Sign up at ElevenLabs" link in the Bring-Your-Own-Keys section) are affiliate links. If you create an account with the linked provider through one of these links, EmberScripts may receive a small commission at no additional cost to you. We disclose these links so you know about the relationship; the commission does not influence which providers we integrate with or recommend — we link to providers we actually integrate with, and our recommendations are based on product fit, not commission.

16. Changes to This Policy

We may update this Policy from time to time. Material changes — such as changes to the expiry window, the cooling-off period, or the discontinuation terms — will be notified by email or through the Service at least 30 days before they take effect. Non-material changes (clarifications, corrections, and the like) will be reflected in the "Last updated" date at the top of this page.

16. Contact

For questions about this Policy, refund requests, or billing issues, contact us at:

Osei Interactive (operator of EmberScripts)
Brunnenwiesenstrasse 42, 8610 Uster, Switzerland
[email protected]