购买的商品与余额性质

账户余额是以 USD 记账、用于支持功能的预付款记录，不是银行存款，不承诺利息、投资收益或通用提现。充值不等于购买某项会员。会员额度、产品 Credits、流量、存储、租机费和 Issues 任务费用各有适用范围。充值、任务收入、赠送额度和补偿的来源不同，不能把任务收入或赠送额度一概当作可按原支付渠道退回的充值。余额的法律性质与退款义务仍按交易实质和适用法律确定，名称不能排除预付款保护。

金额、汇率、税费与交付

购买前核对商品、金额、币种、计价单位、期限、一次性或续费属性，以及单列处理费和税费。主站通常以美元标价，微信按结账汇率显示人民币实付金额；处理费不计入可用充值余额。第三方发卡、换汇、跨境或网络费由实际提供方规则决定。支付跳转或页面关闭不证明支付失败，保留订单及交易号并先核对再重付。数字服务无实体物流，交付以余额入账、权益生效或对应任务实际完成等可核对状态确定。

会员周期、升级和附属包

月付自动订阅按渠道的月度账单周期执行；一次性余额等套餐通常为三十天；年付一次性权益为三百六十五天，积分仍按会员周期发放和重置，并非一次发放全年额度。升级、降级、同方案续买、既有到期日和已用额度按确认页及账户文档处理，结账前应显示差额与生效时间。独立 Market 包与会员附属包周期不同，暂停使用会员额度不暂停会员时间或渠道续费。

续费授权、提醒和取消

PayPal 与银行卡经 Paddle、Creem 或 Dodo 购买的自动订阅按结账确认续费；在 Laintas 或对应支付平台的可用入口取消。新购余额会员默认不启用余额续费，主动选择后按到期价格规则从余额扣下一期，当前提前三天提醒、余额不足可重试七天；重试期不延长原已付权益，补足余额后可能触发重试。独立 Market 包默认不续费。加密货币、微信和已停用 MoonPay 的一次性方案及一次性年付不因付款本身授权续费；既有有效授权如需改变应由您关闭或另行确认。取消应在下一账单日前完成，停止后续续费，通常不撤销已开始周期；卸载、退出或不使用不等于取消。

用量、暂扣与超额消费

模型按实际用量和有效价格计量，调用前可能按最高可能费用暂扣，完成后结算并释放差额。中断未结算按已记录进度处理，没有有效消费的应释放。会员额度仅覆盖明确包含的产品和类型，未用周期额度默认不折现、不转让、不结转。额度用尽后继续扣余额是独立开关，当前账户可能默认开启；请在控制台核对，关闭后相关超额调用会拒绝而不扣余额。它不等于自动续费授权。GPU 租用、Issues 和其他未包含项目仍按其规则付费。

退款依据与优先顺序

R1 是未使用充值余额的普通自助退款；R2 重复扣款或付款未到账、R3 可归责的服务未交付及 R4 法定权利，应通过客服核实。R2–R4 及其他依法必须处理的情形优先于普通不退款表述、自助频率、渠道期限和商品限制。对通常不提供个人原因自愿退款的会员及增值包，也不排除这些例外。按量费用已经对应有效交付的部分通常不退；错扣、重复、故障未交付不能仅因账本标为消费而拒绝核查。

• R1 未使用余额：充值到账后尚未使用的余额，在申请期限内按本政策退回。
• R2 重复扣款或付款未到账：同一订单被重复扣款，或付款已成功但余额未到账。
• R3 服务无法交付：因 Laintas 可归责的持续故障，付费服务无法使用且无法合理修复。
• R4 法定权利：适用于您的消费者保护法律强制要求的退款。

普通自助申请的限制与风险核验

下列 X 条款用于普通 R1 自助申请的核验、暂缓或拒绝，不独立消灭法定权利。涉嫌盗刷、欺诈或未授权付款时，核对合法付款人和风险，必要时暂缓或按支付争议程序处理，不因存在风险就当然归平台所有。账户违规不等于没收全部无关余额。原渠道不可用时，对依法应退部分应协商合法可行的其他方式。拒绝应说明依据、补证或申诉渠道，未批准冻结款按规则回到账户或处理相关支付争议。

• X1 证据不足：提供的付款证明与订单记录无法对应，或无法确认付款归属。
• X2 收款信息无效：收款地址、网络或币种与要求不符，无法安全打款。
• X3 支付争议：该笔付款已在支付平台或发卡行发起争议或拒付，退款以争议结果为准。
• X4 风险核验：付款涉嫌未经授权、欺诈或相关违规时，普通自助退款可暂缓以核实合法付款人和处理路径；不当然没收余额或排除法定退款。
• X5 原渠道无法退回：支付渠道拒绝或已不支持退回这笔付款，且双方未就其他退回方式达成一致。
• X6 普通 R1 范围外：会员或增值包、有效交付已消耗余额或超过普通申请期限；未交付、误扣及 R2–R4 例外另行处理。

R1 各渠道的范围、期限与费用

下表为普通未使用充值余额自助政策，自原付款日起计算，不缩短法定请求期限。卡渠道目前仅支持该笔充值完全未使用时整笔退回；其他列明渠道按该笔未使用部分处理。已消耗充值如何分摊以可核对账本为依据，有疑问可申请人工对账。依法应退的税费、处理费或全部价款不因普通费用表排除。

链上退款与历史 MoonPay

普通链上退款按内部美元记账金额以 USDC/USDT 的一美元对应一枚名义金额计算，不保证其市场价格永远等于美元。扣除实际发生网络费，申请页参考值为 USDC · Base $0.01；USDC · Arbitrum $0.02；USDC · Ethereum $1.00；USDT · TRON (TRC20) $4.00；USDT · Ethereum $1.00；USDT · BNB Chain $0.05，实际费用和哈希写入凭证。若不能接受估算或需费用上限，请在提交前通过客服确认替代安排，不构成无限费用授权。核对本人控制的地址、币种、网络和原交易证明；转出后通常不可撤回。历史 MoonPay 刷卡以链上稳定币结算，按相应历史订单和链上规则人工处理。可用渠道受地区与法律限制，不因有支付按钮就承诺所有地区均可使用。

申请、冻结、记录和时间

在设置的退款页提交 R1，核对可退金额和费用，并明确接受退款协议 2026-10-25.1；系统保存协议版本、确认时间、IP 和必要处理证据。每次退该笔剩余全部可退部分，当前自助申请每账户七天一次；与该笔相关的未决支付争议可能暂缓。R2–R4、未授权付款及合理补证请联系客服，不受普通自助入口限制。提交后款项暂扣以防重复使用；不能自行撤回时仍可联系客服核实。符合条件的非加密货币无使用申请可自动处理，其余通常人工一至三个工作日；补证、复杂争议及渠道到账可能更久，应告知状态。

结果、拒付、终止与未履行权益

处理通知和凭证应列案件、依据、协议版本、金额、扣费及实际渠道参考号；法定处理不应机械适用 X 条款。原渠道入账时间由实际平台或银行决定。已获退款应避免就同一金额重复受偿，但退款协议不禁止合法争议、投诉和诉讼。冻结或冲正以相关订单和必要范围为限。取消或注销前应处理续费、未完成任务、租机、余额和导出；停服或无法履行时按有效合同与法律处理未履行部分及预付款，不一概以数字服务为由拒绝。

Items and the nature of balance

Balance is a USD-denominated prepayment record for supported functions, not a bank deposit, interest-bearing investment or general cash-withdrawal facility. A top-up is not a membership purchase. Membership, product Credits, traffic, storage, rental and Issues have different scopes. Top-ups, earnings, grants and compensation have different sources; earnings or grants are not automatically refundable as an original-channel top-up. Legal character and refund duties depend on the transaction and applicable law, not labels excluding prepayment protections.

Amounts, exchange, tax and delivery

Check the item, amount, currency, billing unit, term, one-time or renewal status, and separately stated processing fees and tax. Main-site prices generally use USD; WeChat shows CNY at checkout’s rate. Processing fees are not credited balance. Issuer, currency, cross-border and network fees follow their actual provider. A redirect or closed page does not prove failure; retain references and reconcile before repaying. Digital services have no physical shipping. Delivery is evidenced by credited balance, activated access or completed tasks as applicable.

Membership periods, changes and attached add-ons

Monthly renewing subscriptions follow the channel’s monthly billing schedule. One-time balance and similar plans generally last 30 days; one-time annual access lasts 365 days, with credits issued and reset periodically, not all at once. Upgrades, downgrades, repeat purchases, expiry and used allowance follow confirmation and account documentation; confirm the difference and effective time. Independent Market packs differ from membership-attached add-ons. Pausing allowance use does not pause membership time or channel renewal.

Renewal authority, reminders and cancellation

PayPal and card subscriptions through Paddle, Creem or Dodo renew as confirmed at checkout and can be cancelled through available Laintas or processor controls. New balance memberships default to no balance renewal; if selected, the next period uses the applicable renewal rate. Current reminders are three days ahead and insufficient funds can retry for seven days. Retry does not extend paid access and adding funds may trigger retry. Independent Market packs default off. Crypto, WeChat, historical MoonPay one-time plans and one-time annual access do not themselves authorise renewal. Existing valid authorisations must be disabled or separately changed. Cancel before the next billing date to stop future renewal, normally without reversing an ongoing period. Uninstalling, signing out or non-use does not cancel.

Usage, holds and overage

Models meter actual usage at valid rates and may hold the maximum possible charge before settling and releasing the difference. Interrupted unsettled calls follow recorded progress; holds without valid consumption must be released. Membership covers only specified products and types. Unused periodic allowance does not default to cash, transfer or rollover. Balance overage is a separate switch that may currently default on for an account; review it in the console. Turning it off refuses covered overage instead of charging balance. It is not renewal authority. Rentals, Issues and other excluded items follow their own charges.

Refund grounds and priority

R1 is ordinary self-service refund of unused top-up balance. R2 duplicate or missing payments, R3 attributable non-delivery and R4 statutory rights go through support review. R2–R4 and other legally required remedies take priority over ordinary non-refund language, self-service frequency, channel windows and item restrictions. Those exceptions apply even to memberships and add-ons that generally lack discretionary personal-reason refunds. Validly delivered usage generally is not refunded; a ledger consumption label does not prevent review of error, duplication or failed delivery.

• R1 Unused balance: balance from a top-up that has not been used, returned under this policy within the request window.
• R2 Duplicate charge or missing credit: the same order was charged twice, or a successful payment was never credited.
• R3 Service not delivered: a persistent Laintas-attributable failure made the paid service unusable and it could not reasonably be fixed.
• R4 Statutory right: a refund required by consumer-protection law that applies to you.

Ordinary self-service limits and risk review

The X grounds below verify, defer or decline ordinary R1 self-service requests; they do not extinguish statutory rights. Suspected unauthorised payment or fraud requires payer and risk verification, possible deferral or provider dispute handling, not automatic platform ownership. Account breach does not forfeit all unrelated balance. Where refund is legally due but the original route fails, a lawful feasible alternative must be addressed. Decisions state grounds and evidence or appeal routes; declined holds return to the account or resolve the related payment dispute.

• X1 Insufficient evidence: the payment proof does not match the order record, or the payment could not be attributed to this account.
• X2 Invalid payout details: the receiving address, network or coin does not meet the requirements, so the refund cannot be sent safely.
• X3 Payment dispute: a dispute or chargeback was opened on this payment with the provider or card issuer; the dispute outcome decides it.
• X4 Risk review: suspected unauthorised payment, fraud or related misuse may defer ordinary self-service while the lawful payer and route are verified; this does not automatically forfeit funds or exclude statutory refunds.
• X5 Original method unavailable: the payment provider refused or no longer supports refunding this payment, and no other method was agreed.
• X6 Outside ordinary R1: membership or add-ons, validly consumed balance, or the ordinary window has passed; non-delivery, billing errors and R2–R4 are handled separately.

R1 channel scope, windows and fees

This table describes ordinary self-service unused-top-up policy, measured from payment, without shortening statutory claim periods. Card channels currently require a wholly unused top-up and return the whole payment; other listed routes refund the unused part of that top-up. Allocation of consumption must be supported by the ledger and can be reconciled with support. Legally required return of tax, fees or the full price is not excluded by the ordinary table.

On-chain refunds and historical MoonPay

Ordinary on-chain refunds use a nominal one USDC/USDT per internally recorded USD, without guaranteeing a permanent market peg. Actual payout network fees are deducted; current references are USDC · Base $0.01; USDC · Arbitrum $0.02; USDC · Ethereum $1.00; USDT · TRON (TRC20) $4.00; USDT · Ethereum $1.00; USDT · BNB Chain $0.05, with actual fees and hashes on the receipt. If an estimate is unacceptable or a fee cap is needed, contact support before submission for an alternative; this is not unlimited fee authority. Verify your controlled address, coin, network and original proof. Sent transfers are generally irreversible. Historical MoonPay card payments settled on-chain and need manual handling under their order and chain rules. Availability depends on region and law, not merely a visible payment button.

Requests, holds, records and timing

Submit R1 under Settings → Refunds after checking amounts and fees and expressly accepting refund agreement 2026-10-25.1. The system records version, confirmation time, IP and necessary evidence. A request covers that top-up’s entire refundable remainder. Self-service currently allows one request per account every seven days; a related unresolved provider dispute can defer it. Contact support for R2–R4, unauthorised payments or further evidence, outside ordinary interface limits. Funds are held against double spending; contact support if self-withdrawal is unavailable. Eligible unused non-crypto requests may process automatically; others generally take one to three business days for review. Evidence, complexity and posting can take longer, with status communicated.

Decisions, chargebacks, termination and unperformed access

Notices and receipts should state the case, grounds, version, amounts, deductions and actual channel reference; statutory treatment must not mechanically apply X grounds. Actual providers or banks control posting. Avoid double recovery of the same amount after refund, without barring lawful disputes, complaints or proceedings. Holds and reversals should be limited to related orders and necessary scope. Address renewal, unfinished tasks, rentals, balance and exports before closure. Retirement or inability to perform requires contract- and law-based treatment of unperformed access and prepayments, not blanket refusal because the service is digital.