Refund & Cancellation Policy

1. Cancellation

1.1 How to Cancel

You may cancel your subscription at any time through your Account settings in the Bippsi dashboard, or by contacting us at help@bippsi.com.

1.2 What Happens When You Cancel

• Your subscription remains active until the end of your current billing period.
• You retain full access to the App until the billing period ends.
• After the billing period ends, you lose access to the App's features but your account and data remain intact.
• You may resubscribe at any time to regain access.
• Cancellation does not delete your data. To delete your data, you must separately request account deletion.

2. Refunds

2.1 Universal Matrix

• Subscriptions with a free trial: paid subscription charges are non-refundable after the free trial converts. You may cancel future charges and retain access through the current paid period.
• Subscriptions without a free trial: the initial subscription charge is eligible for a full refund within five (5) days of the initial charge. Renewal charges are non-refundable except where required by law or expressly approved by Bippsi.
• One-time digital products, including License Ninja: digital product sales are refundable within five (5) days of purchase even if activated. A refund revokes the license, download, access rights, and any connected benefits such as Discord roles. Refunds are reviewed and processed by Bippsi.
• Physical goods: physical goods sold through Bippsi services are refundable for thirty (30) days by default. A seller may set a shorter period only if it is disclosed at purchase and is never less than five (5) days.
• Bips and account credits: Bips and account credits are final and non-refundable once purchased, except for automated technical reversals for duplicate billing, failed processing, or verified platform error.
• Verification fees and service fees: identity verification, business verification, slot activation, site implementation, and similar service fees are non-refundable once the service has begun.
• Refund destination: approved refunds return to the original payment method whenever technically possible.

2.2 Not Eligible for Refund

• Subscription charges after a free trial has ended — it is your responsibility to cancel before the trial expires
• Partial billing periods remaining after cancellation
• Failure to cancel before a renewal date (you may cancel to prevent future charges)
• Account suspension or termination due to violations of our Terms of Use or Acceptable Use Policy
• Dissatisfaction with third-party platform behavior (e.g., a social media platform changing its API or suspending your account)
• Identity or business verification fees and other service fees after the associated service has begun

2.4 Bip Credits

Bips (Bippsi's agent usage credits) are governed by the Bippsi Terms of Use §5 (A.I. Key), which states all Bip purchases are final. All Bip purchases are non-refundable, non-transferable, and non-exchangeable, regardless of whether Bips have been spent, whether the agent was satisfied with the content delivered by Partner Sites, or whether the buyer changed their mind after purchase.

• Bips have no cash value and are not redeemable for currency, gift cards, or any other asset.
• Bips do not expire, but unspent Bips are forfeited upon account termination per Bippsi Terms of Use §1.4 (Account Suspension and Termination).
• Bip purchases are final at the moment payment completes. By completing a Bip purchase, you waive any statutory right of withdrawal or cooling-off period to the maximum extent permitted by applicable law.
• In the rare case Bippsi elects to issue a refund — for suspected fraud, a verified technical error attributable to Bippsi, a chargeback already processed by your payment method's issuer, or other reasons entirely at Bippsi's sole discretion — the refund will take whatever form Bippsi determines is appropriate (reversal to original payment method, Bip credit, or otherwise). Bippsi has no obligation to issue a refund, and your request does not create one.
• Disputes relating to what a Partner Site delivered when your agent exercised an Unlock are solely between you and that Partner, per Bippsi Terms of Use §4.1 (A.I. Lock — chain-of-liability framing) and §5.2 (What an Unlock conveys). Bippsi sells Unlocks, not Partner content, and is not a party to the delivery relationship.
• A.I. Lock slot activation fees, Certified Site implementation fees, and Bippsi Sites implementation services follow the same non-refundable rule once the associated service has begun.

3. How to Request a Refund

To request a refund, please contact us:

• Email: help@bippsi.com
• Include your account email address, the App name, and a brief description of the issue

We will respond to refund requests within 5 business days. Approved refunds are processed through the original payment method and may take 5-10 business days to appear on your statement, depending on your payment provider.

4. Payment Processor

Bippsi (Big App Studio LLC) is the merchant of record for all transactions on the platform. Stripe, Inc. acts as Bippsi's payment processor and service provider, not as the merchant of record and not as a party to the underlying sale. Refunds are issued through the original payment method whenever technically possible.

5. Free Trials

Most Apps include a free trial period (typically 7 days) so you can fully evaluate the Service before committing:

• You will not be charged during the trial period.
• You may cancel at any time during the trial without being charged.
• If you do not cancel before the trial ends, your subscription will automatically convert to a paid subscription and you will be charged the applicable rate.
• We will send a reminder before your trial ends.
• No refunds will be issued for charges incurred after a trial period has ended. It is your responsibility to cancel before the trial expires if you do not wish to continue. The trial period is your opportunity to evaluate the Service.

6. Price Changes

If we increase the price of a subscription plan:

• You will receive at least 30 days' notice before the price change takes effect.
• The new price applies at the start of your next billing cycle after the notice period.
• If you do not agree with the new price, you may cancel before the change takes effect and receive no further charges.

7. Chargebacks and Disputes

By using our Service, you agree to the following dispute resolution process:

• Contact us first: If you have any billing issue, you must contact us at help@bippsi.com before initiating a chargeback or dispute with your bank or credit card company. We are committed to resolving billing issues quickly and fairly.
• Chargebacks are not accepted as a substitute for cancellation. If you wish to stop being charged, you must cancel your subscription through your Account settings or by contacting us.
• Fraudulent chargebacks: Filing a chargeback for a legitimate charge — particularly after receiving and using the Service — may be considered fraud. We will contest all illegitimate chargebacks and provide transaction evidence to your financial institution.
• Account suspension: Any chargeback initiated without first contacting us will result in immediate suspension of your account and all associated services pending investigation.
• Recovery of costs: If a chargeback is filed for a charge that was legitimate and the dispute is resolved in our favor, we reserve the right to recover administrative costs associated with the dispute process.

We want to resolve every issue directly and fairly. In our experience, contacting us is always faster and more effective than going through your bank.

8. Changes to This Policy and Continued Use

We may update this Refund & Cancellation Policy from time to time. Changes are posted on this page with an updated "Last updated" date.

Your continued use of Bippsi — including maintaining any active subscription, purchasing or spending Bips, activating or renewing any monetization slot, or otherwise benefiting from Bippsi infrastructure — constitutes your ongoing acceptance of this policy as it exists at the time of use, together with any modifications and successor versions, and the referenced agreements (Bippsi Terms of Use, Acceptable Use Policy, Privacy Policy, Agent Use Policy), each as amended from time to time on bippsi.com. This is a material term: you cannot continue to accept the benefits of the Service while disclaiming the refund and cancellation practices in the then-current policy. Your remedy if you disagree with a change is to stop using Bippsi.

9. Contact Us

For any billing or refund questions:

• Email: help@bippsi.com
• Phone: 1-623-800-1727
• Mail: Big App Studio LLC, Glendale, AZ, United States