Billing & Refund Policy

Fiara sells one-time packs of Fiara Credits. There are no subscriptions, trials that convert into charges, automatic renewals or automatic top-ups. Each payment is a separate transaction that you start and confirm yourself and authorises only the amount shown at checkout. We do not store your card for later purchases.

Pack | Credits | Price (USD, taxes included)
Flirt | 50 | 4.99
Lover | 150 | 11.99
Obsession | 350 | 24.99

Features cost Credits: chat message 1, image 3, voice note 10, video clip 10 per minute. The cost is shown before you confirm an action, and Credits are deducted only after you confirm it.

Before you pay, checkout shows the pack, number of Credits, total price and currency, taxes, merchant name and address, statement descriptor and support email, and links to the Terms of Service, this Policy and the Privacy Policy. You must tick two separate boxes: (a) that you accept the Terms of Service and this Policy; and (b) that you request immediate delivery of the Credits and acknowledge that, once supply begins, your statutory right of withdrawal may be affected or lost to the extent permitted by law. In Chile, checkout also states that the right of withdrawal does not apply (see Section 12.3).

Payments are processed by Unlimit on its hosted payment page, by Visa or Mastercard with 3-D Secure. You enter card details only on that page; Fiara does not receive or store them. We may reject or delay a transaction for security or compliance reasons. The currency is shown before payment. Your bank may charge conversion or other fees, which we do not control.

Charges appear on your statement as "Catalyx". After each purchase we email a receipt showing the merchant, support contact, date and time, transaction reference, pack, Credits delivered, amount, currency and descriptor. To request an invoice or a correction, contact support@fiara.ai.

Credits are digital entitlements usable only within Fiara. They are not money, electronic money or stored value; they have no cash value and earn no interest. Purchased Credits do not expire and stay available until used or until the account is deleted. Credits are personal to your account and cannot be sold, gifted or exchanged. Your balance and purchase history are shown in your account. If a confirmed action fails for a technical reason on our side, the Credits used are returned automatically.

New accounts receive 10 free Credits once, without payment details. Free and promotional Credits have no cash value, expire 30 days after issue, never convert into a paid purchase or trigger a charge, and are used before purchased Credits. When a free balance runs out, paid features stop and nothing is charged. Each promotion states the price, the Credits included, the dates and any restrictions.

If a payment fails, no Credits are delivered and you may try again. We do not use hidden retries or split charges. While a payment is pending, Credits may be withheld until it is confirmed. Duplicate charges and delivery errors are handled under Part B.

Price or Credit-cost changes apply only to future purchases and are shown before you confirm.

Subject to verification, we refund in full or in part where:
- the same transaction was charged more than once;
- a charge was not authorised by you, unless you acted fraudulently or with gross negligence;
- payment was completed but the Credits were not delivered;
- checkout showed a wrong price, currency, Credit quantity or pack;
- a material technical failure on our side prevented meaningful use and was not fixed within a reasonable time;
- Credits were deducted but the feature or content was not delivered and the Credits were not restored;
- we confirm a billing or processing error; or
- a statutory right applies (Section 12).
Duplicate charges that we detect are refunded automatically within 5 business days.

Even where no legal right applies, we will consider a refund of unused purchased Credits if you ask within 14 days of purchase and no more than 20% of the pack's Credits have been used. The refund is the pack price × unused Credits ÷ Credits in the pack. Example: Companion Pack, 150 Credits for USD 11.99, 120 unused → USD 9.59.

We may decline a goodwill refund if the request is late or the pack is more than 20% used; you changed your mind after using the Credits; the issue is caused only by your device or network; the account was restricted for a serious or repeated breach of our policies; the Credits were free or promotional; or the purchase involved false information, a stolen payment method or fraud. This never limits Section 10 or your statutory rights.

12.1 United Kingdom. Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 you normally have 14 days from purchase to cancel. Because Credits are digital content supplied immediately, we ask you at checkout, in a separate box that is not pre-ticked, to request immediate supply and to acknowledge that you lose the right to cancel once supply begins. Your receipt confirms this. If you gave both, the right to cancel ends when the Credits are delivered; if not, you may cancel within 14 days and we refund you within 14 days of being told. Under the Consumer Rights Act 2015, digital content must be of satisfactory quality, fit for purpose and as described; if it is not, you are entitled to a repair or replacement and, failing that, a price reduction or refund.

Model cancellation form (optional): To Catalyx Partners Cyprus LTD, Agapinoros & Makariou III, 1076 Nicosia, Cyprus, support@fiara.ai. I give notice that I cancel my contract for the following Fiara Credit pack: ____. Ordered on: ____. Transaction reference: ____. Name: ____. Account email: ____. Date: ____.

12.2 Australia. Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion. Any statement in our terms that Credits are non-refundable does not apply to the extent it would limit these rights.

12.3 Chile: derecho a retracto. De conformidad con el artículo 3 bis, letra b), de la Ley N° 19.496 sobre Protección de los Derechos de los Consumidores, informamos expresamente que no procede el derecho a retracto respecto de la compra de Créditos Fiara, por tratarse de la contratación de un servicio digital que se presta de forma inmediata. Esta información se entrega antes del pago. Lo anterior no afecta sus demás derechos como consumidor, incluidos los relativos a cobros duplicados o no autorizados y a servicios no prestados o defectuosos (sección 10), ni su derecho a presentar un reclamo ante el SERNAC (www.sernac.cl). (Summary: in Chile the statutory right of withdrawal does not apply to Fiara Credits because they are a digital service supplied immediately; all other rights, including refunds under Section 10, still apply.)

12.4 Other countries. We apply the mandatory consumer rights of your country of residence.

Unused purchased Credits are refundable where Section 10, 11 or 12 applies. Credits already used and content already delivered are not refundable unless the content or service was defective or not as described, or the law requires a remedy. A moderation action does not by itself create a refund entitlement, but it does not affect Section 10 or your statutory rights.

The refunded Credits are removed from your balance, and promotional Credits granted with the refunded purchase may also be removed. You cannot receive a refund and keep the corresponding Credits. We tell you the effect on your balance when we confirm the refund.

Email support@fiara.ai with the subject "Refund request", with your account email, the transaction date, amount and reference (on your receipt), the pack, and the reason. Do not send card numbers, passwords or identity documents.
- Acknowledgement: within 2 business days.
- Decision: within 7 business days of receiving the information needed.
- Payment of an approved refund: started within 5 business days of approval, to the original payment method through Unlimit, at no cost to you. Your bank may need a few more days to show it.
- Statutory cancellation (UK): within 14 days of being told.

If you see a charge from "Catalyx" that you do not recognise, please contact support@fiara.ai first so we can check it quickly. This is optional; you always keep the right to contact your bank. While a chargeback is investigated, we may suspend the Credits bought with the disputed payment and give the payment provider transaction evidence (checkout disclosures, authentication, receipt, delivery and Credit usage). If the dispute is decided in your favour, those Credits are removed; if in ours, they are restored. We do not penalise legitimate payment disputes. Fraudulent or abusive disputes may lead to account restrictions where permitted by law.

Deleting your account permanently removes unused Credits. If you want a refund, ask before you delete. Deletion becomes final 30 days after the request, and a refund request made before deletion is still processed.

If you disagree with a decision, you may ask for a review under the Content Removal, Reporting & Complaints Policy by emailing legal@fiara.ai within 30 days. You may also contact a consumer body: Citizens Advice (UK), the ACCC or your state or territory consumer agency (Australia), SERNAC (Chile) or the Consumer Protection Service (Cyprus).

Changes apply only to future purchases; the version in force when you buy applies to that purchase.
Billing and refunds: support@fiara.ai · Complaints: legal@fiara.ai
Catalyx Partners Cyprus LTD, Agapinoros & Makariou III, 1076 Nicosia, Cyprus · https://fiara.ai