Last updated: October 30, 2025
Effective date: November 1, 2025
Version: 1.0

Table of Contents

1. Policy Overview
2. Refund Policy
3. Anti-Fraud Policy
4. Dispute Resolution
5. Contact

1. Policy Overview

1.1 Purpose

This policy is established by deltai Technologies Inc. (hereinafter "Company") to:

• Present clear criteria and procedures for user refund requests
• Prevent fraudulent use and maintain a healthy service environment
• Establish fair business relationships between users and the company

related to the services provided.

1.2 Scope of Application

This policy applies to:

• All paid membership plans (Agent Starter, Agent Pro, Agent Master, Agent Enterprise)
• Additional credit purchases
• Auto-recharge services
• Other paid services provided by the company

1.3 Policy Priority

This policy applies together with the service terms of use, and regarding matters related to refunds and anti-fraud, this policy takes precedence.

2. Refund Policy

2.1 Basic Principles

1. Transparency: Clearly disclose all refund criteria and procedures.
2. Fairness: Operate fair refund policies for both users and the company.
3. Promptness: Process refund requests within 7 business days.
4. User Protection: Prioritize user rights such as 30-day refund guarantee.

2.2 Monthly Subscription Refund Policy

2.2.1 Cancel Anytime

2.2.2 Pro-Rated Refund Provided

Refund calculation formula:

Example:

2.2.3 Refund Exceptions

Refunds may be limited in the following cases:

• When account is suspended due to terms violation
• When fraud is confirmed
• When refunds are abused repeatedly (more than twice per month)
• When 90% or more credits have been used (minimum refund amount applied)

2.3 Annual Subscription Refund Policy

2.3.1 14-Day Refund Guarantee

Application conditions:

• Refund request within 14 days from subscription start date
• Account must be in normal status
• No history of terms violations

Processing procedure:

1. Request refund to customer support (class_customer@enfit.net)
2. Verify identity and account
3. Full refund within 7 business days
4. Account converted to Free Trial (optional)

2.3.2 Refund Policy After 14 Days

Option A: Stop Auto-Renewal (Recommended)

Example:

Option B: Immediate Cancellation (No Refund)

2.3.3 Special Refund (Exceptional Cases)

Application conditions (all must be met):

1. Major service outage (unavailable for 14+ days)
2. Service changes due to company's terms violation
3. Company's clear fault

Refund calculation:

Example:

2.4 Additional Credit Purchase Refund

2.4.1 Refundable Conditions

Within 24 hours of purchase:

• Full refund if credits not used at all
• 90% refund if less than 10% of credits used
• No refund if more than 10% of credits used

2.4.2 Auto-Recharge Refund

Auto-recharge cancellation:

• Auto-recharge settings can be disabled anytime
• Already recharged credits: Above 2.4.1 conditions apply
• Non-recharged status: Free to disable anytime

Malfunctioning auto-recharge:

• Duplicate charge due to system error: Immediate full refund
• Charge exceeding monthly limit: Full refund of excess
• Unauthorized charge: Full refund and investigation

2.5 Refund Processing Procedure

2.5.1 Refund Request Methods

Email request:

Website request:

1. Log in and go to account settings
2. Subscription Management → Refund Request
3. Select and write refund reason
4. Submit

Phone request:

2.5.2 Processing Procedure

1. Refund request receipt (same day)
   • Send refund request confirmation email
   • Assign request number
2. Refund review (1-3 business days)
   • Check refund conditions
   • Verify account status
   • Review usage history
3. Refund approval/rejection (3-5 business days)
   • Email notification of review results
   • Detailed reason explanation if rejected
4. Refund processing (5-7 business days)
   • Refund to original payment method
   • Send refund completion email
   • Provide receipt

2.5.3 Refund Methods

Priority:

1. Refund to original payment method (card, PayPal, etc.)
2. Bank transfer (if original payment method unavailable)
3. Credit refund (at user's request)

Processing time:

• Credit card: 5-10 business days (subject to card company policy)
• PayPal: 3-5 business days
• Bank transfer: 3-5 business days
• Credit: Immediate

2.6 Non-Refundable Cases

Refunds are not available in the following cases:

1. Terms violation:
   • Unauthorized service use
   • Account theft
   • Fraudulent activities
   • Illegal activities such as hacking or cracking
2. Policy abuse:
   • Repeated refund abuse (3 times within 3 months)
   • Refund request after using most credits
   • Refund request with false reasons
3. Period elapsed:
   • After 14 days from annual subscription
   • After 24 hours from purchase (additional credits, if 10% or more used)
4. Third-party services:
   • External payment processor fees
   • Currency exchange losses
   • Third-party service usage fees

3. Anti-Fraud Policy

3.1 Purpose of Anti-Fraud

The company strictly prohibits and monitors the following fraudulent activities to maintain a healthy service environment and protect legitimate users.

3.2 Prohibited Fraudulent Activities

3.2.1 Account-Related Fraud

Multiple account abuse:

• Creating multiple accounts to repeatedly abuse free trials
• Creating multiple accounts to receive discount benefits multiple times
• Referral program abuse

Account theft:

• Unauthorized use of others' account information
• Obtaining account information through phishing
• Account sale or transfer

3.2.2 Payment-Related Fraud

Fraudulent payment:

• Use of stolen cards
• Unauthorized use of others' cards
• Payment information forgery

Chargeback fraud:

• Unjust payment cancellation requests after normal service use
• Refund requests to card companies with false reasons
• Repeated chargeback attempts

Refund fraud:

• Refund requests after using most credits
• Repeated refund requests with false reasons
• Abuse of refund policies

3.2.3 Service Abuse

Unauthorized credit usage:

• Unauthorized credit depletion through automated programs
• Exploitation of system vulnerabilities
• Use for reselling purposes

Unauthorized content usage:

• Unauthorized resale of generated AI content
• Generation of illegal content using the service
• Use for copyright infringement purposes

3.3 Fraud Detection System

3.3.1 Automatic Monitoring

AI-based abnormal activity detection:

• Unusual login patterns
• Excessive API calls
• Suspicious credit usage patterns
• Multiple account creation patterns

Real-time monitoring:

• Real-time detection of payment anomalies
• IP address and device tracking
• Location-based abnormal activity detection

3.3.2 Manual Review

Risk signals (Red Flags):

• Multiple refund requests in short period
• Unusually high credit consumption
• Multiple failed payment attempts
• Frequent account information changes

In-depth investigation:

• Detailed log analysis of suspicious accounts
• Usage pattern comparative analysis
• Payment information verification

3.4 Fraud Activity Processing

3.4.1 Step 1: Warning

Actions:

• Email warning notification
• Request explanation of suspicious activity
• Provide 7 days for response

User response:

• Explain situation via email
• Submit supporting evidence
• Promise to prevent recurrence

3.4.2 Step 2: Temporary Suspension

Actions:

• Account temporary suspension (7-30 days)
• Service usage restrictions (read-only)
• Credit usage suspension
• Payment function restrictions

Available features:

• View existing projects
• Download data
• Contact customer support

Lifting conditions:

• Sufficient explanation of suspicious activity
• Commitment to prevent recurrence
• Additional authentication if necessary

3.4.3 Step 3: Permanent Suspension

Actions:

• Permanent account suspension
• Block all service access
• Remaining credits expire
• No refunds

Application cases:

• Clear fraud activity confirmed
• Repeated terms violations
• Legal action required activities
• Causing damage to other users

3.4.4 Legal Actions

Criminal prosecution:

• Fraud
• Computer crimes
• Copyright infringement

Civil lawsuits:

• Damages claims
• Unjust enrichment recovery claims

3.5 False Positive Appeal Procedure

3.5.1 Filing Objection

Filing method:

3.5.2 Re-examination Procedure

1. Objection receipt (same day)
   Confirmation email sent, case number assigned
2. Re-investigation (3-7 business days)
   Independent review team assigned, detailed logs re-analyzed, user-submitted materials reviewed
3. Decision (7-14 business days)
   Maintain suspension or lift, detailed decision reasons notified, compensation measures if false positive confirmed

3.5.3 Compensation for False Positive

Account recovery:

• Immediate account suspension lift
• All functions restored to normal

Credit compensation:

• Credit compensation equivalent to suspension period
• Additional credits provided (as apology)

Apology and explanation:

• Official apology email
• Explanation of false positive cause
• Commitment to prevent recurrence

3.6 Safe Service Usage Guide

3.6.1 User Precautions

Account security:

• Use strong passwords
• Enable 2-factor authentication
• Do not share login information with others
• Be cautious of suspicious emails

Normal usage:

• Comply with terms and policies
• Do not use automated programs
• Use service for legitimate purposes only
• Regularly check credit usage

Report suspicious activities:

• Report immediately if account theft suspected
• Report fraudulent payments
• Report discovered security vulnerabilities

3.6.2 Company's Efforts

Transparent operations:

• Clear policy disclosure
• Regular policy updates
• Provide educational content for users

Technical protection:

• Apply latest security systems
• Regular security checks
• AI-based fraud detection

Swift response:

• 24/7 security monitoring
• Immediate response to fraud activities
• Swift support for affected users

4. Dispute Resolution

4.1 Resolution through Customer Support

Primary contact:

• Email: class_customer@enfit.net
• Phone: +82-2-335-3321
• Chat: https://www.deltai.chat/support/chat

Response time:

• Email: Initial response within 24 hours
• Phone: Immediate response during business hours
• Chat: Real-time during weekdays

4.2 Official Objection Filing

Filing method:

Processing procedure:

1. Receipt confirmation (1 business day)
2. Fact investigation (3-5 business days)
3. Decision notification (7-10 business days)

4.3 Third-Party Dispute Mediation

Korean users:

• Korea Consumer Agency
• Phone: 1372
• Website: http://www.ccn.go.kr

US users:

• Better Business Bureau (BBB)
• American Arbitration Association (AAA)

4.4 Legal Procedures

Jurisdiction:

• Korea: Seoul Central District Court
• US: Delaware State Court

Governing law:

• Korean residents: Republic of Korea laws
• US residents: Delaware State laws

5. Contact

5.1 Refund Related Inquiries

5.2 Fraud Reports

5.3 General Customer Support

5.4 Legal Team

Addendum

Article 1 (Effective Date)
This policy becomes effective on November 1, 2025.

Article 2 (Policy Changes)
This policy may be changed in accordance with relevant laws and company policies, and notice will be given at least 7 days prior to changes.

Article 3 (Reference Documents)

• Terms of Service: https://www.deltai.chat/policy/service
• Privacy Policy: https://www.deltai.chat/policy/privacy
• Pricing Policy: https://deltai.com/pricing (Prices and policies are subject to change, please check the website)

Article 4 (Previous Versions)
Previous versions of the refund and anti-fraud policy can be found at:
https://www.deltai.chat/policy/refund/archive

© 2025 deltai Technologies Inc. All rights reserved.