Refund Policy

This Refund Policy explains how cancellations and refunds work for ONRCRD ("ONRCRD", "we", "us", or "the Service"). The Service offers monthly subscription plans and one-time credit top-up purchases, billed through Stripe.

• You can cancel your subscription at any time from your account settings or the Stripe customer portal. Cancellation takes effect at the end of the current billing period.
• After canceling, you keep access to paid features until the end of the period you have already paid for.
• We do not provide prorated refunds for partial billing periods or unused monthly credits, except where required by law.
• Monthly plan credits reset each billing period and have no cash value.

Credit top-ups are one-time purchases that are delivered to your account after Stripe confirms payment. Some payment methods take additional time to process. Because credits are a consumable digital good, top-up purchases are final and non-refundable once delivered, except where required by law. Unused top-up credits roll over while your paid subscription remains active but are not redeemable for cash.

We may issue a refund, at our discretion, in situations such as:

• A duplicate charge or other confirmed billing error.
• A technical failure on our side that prevented delivery of purchased credits or paid features, which we are unable to correct.
• Any case where a refund is required by applicable consumer protection law.

Nothing in this policy limits any non-waivable statutory rights you may have in your jurisdiction.

To request a refund, email support@onrcrd.xyz from the address associated with your account and include the date and amount of the charge. We review requests within a reasonable timeframe, and approved refunds are issued to the original payment method through Stripe.

If you file a chargeback or payment dispute, we may suspend the associated account while the dispute is investigated. If you believe a charge is incorrect, please contact us first — most billing issues can be resolved quickly without a dispute.

We may update this Refund Policy from time to time. Material changes will be posted on this page with an updated "last updated" date. Changes apply to purchases made after the updated policy takes effect.