Refund Policy

Last updated: April 9, 2026

This Refund Policy explains how Sholokhov Mikhail Andreevich (Sole Trader)("we", "us") handles requests relating to payments for digital services and credits purchased for the Service at homevisual.co. It works together with our Terms of Service. If anything here conflicts with the Terms, the Terms control.

1. Digital service; no “returns” of physical goods

We provide online, digital services (AI-assisted image generation and related features). Deliverables are electronic. There are no shipments and no return of physical products.

2. When fees and credits are generally non-refundable

Except where mandatory law requires otherwise or we expressly agree in writing, we do not refund:

• amounts paid once credits have been delivered to your account or used to run generations;
• dissatisfaction based on subjective taste, style preferences, or expectations about AI output;
• AI artefacts, imperfections, or variability inherent in generative models;
• expiry of credits after the validity period stated at purchase;
• loss of access due to breach of our Terms or abuse of the Service.

This reflects the nature of prepaid digital credits and is consistent with the limitations described in our Terms of Service.

3. Limited cases where we may review a request

We may review a good-faith request (without guaranteeing an outcome) if you contact us promptly at hello@homevisual.co and describe, with supporting details:

• a clear technical failure on our side that prevented delivery of the Service for a paid request (e.g. credits deducted but no result produced due to a documented platform error);
• a duplicate charge or obvious payment processing error for the same order.

Please include your account email, approximate time of purchase, and any order or receipt reference from the payment provider. We aim to respond within a reasonable period (often up to 30 business days for complex cases); timing can vary.

Any remedy may be provided as credit restoration, re-run of a failed job, or refund to the original payment method where appropriate — at our discretion and subject to payment provider rules.

4. Payment processors: Paddle and Stripe

Depending on how you pay, transactions may be processed by Paddle (merchant of record for certain checkouts) and/or Stripe. Their contractual terms, privacy notices, and dispute processes also apply.

For purchases processed through Paddle, see also the platform's checkout legal information. Paddle may, at its own discretion, handle refunds or adjustments in connection with a transaction (for example to mitigate chargebacks), including within periods described in their documentation. That platform process is separate from our policy above and does not by itself expand the voluntary refunds we describe in sections 2–3.

For Stripe-processed payments, refunds (when issued) are typically returned to the original payment method; timing depends on banks and card networks.

5. Chargebacks and payment disputes

If you initiate a chargeback or payment dispute with your bank, the card network and payment processor rules apply. We will provide accurate information where we reasonably can. Please try contacting us first at hello@homevisual.co — many issues can be resolved faster directly.

6. Statutory rights

Nothing in this Policy limits non-waivable consumer rights that apply to you under the laws of your country or region. If such rights apply, they are in addition to this Policy.

7. Changes

We may update this Refund Policy from time to time. The "Last updated" date will change. Continued use of the Service after updates means you accept the revised Policy for new purchases.

8. Contact

Questions: hello@homevisual.co