Payments, Subscriptions, AI Tokens and Refund Policy

This document is published in English. Translations for other markets will be published once legally reviewed.

1. About this Policy

1.1 This Policy forms part of the MyPA Terms of Service. It applies to Paid Services you buy directly from MyPA Limited on our website or in-app (outside an app store's own billing): subscriptions, Purchased AI Tokens ("top-ups") and Ask the Experts fees.

1.2 It does not apply to goods and services sold by third parties (such as hotels, airlines, restaurants or retailers) that you find or book through MyPA. Those are paid to, and refunded by, the relevant seller under its own terms.

1.3 Nothing in this Policy affects your statutory rights as a consumer.

2. Merchant information

3. How payments are processed and kept secure

3.1 Direct payments to MyPA are processed by Trust Payments, a regulated payment service provider, and its acquiring and card-scheme partners. Trust Payments processes your payment details as an independent provider under its own privacy notice.

3.2 Card details are entered directly into Trust Payments' secure hosted payment fields, which are PCI DSS compliant and encrypted using TLS. MyPA does not see or store your full card number or security code. We receive only a payment token, card brand, last four digits, expiry date, billing country and the transaction outcome, which we use to manage your purchases, renewals and refunds.

3.3 Your card issuer may ask you to authenticate a payment using 3-D Secure or another strong customer authentication method. For subscriptions, you authenticate the first payment and later renewals are charged as merchant-initiated recurring payments under the authority you gave at checkout.

3.4 We and Trust Payments use fraud-screening tools. A payment may be declined, held or reversed where fraud is suspected.

4. Prices and taxes

• Prices are shown in the app or on the website before you buy, in the currency shown at checkout.
• Prices include VAT, GST or similar sales taxes where we are required to charge them. Where tax depends on your location, the final tax amount is shown before you confirm.
• Your bank may charge currency-conversion or foreign-transaction fees, which are outside our control.
• If a price is clearly wrong because of an obvious error, we may cancel the order and refund you in full.

5. Checkout and order confirmation

Before you pay, our checkout shows: what you are buying, the total price and currency, whether it renews and how often, any free-trial end date, and a link to this Policy. The final button states clearly that you are agreeing to pay (for example "Pay £9.99" or "Start subscription – £9.99/month"). After payment we send a confirmation email with a receipt, the renewal terms (if any) and how to cancel.

6. Subscriptions

Subscriptions are coming soon. This section applies once subscription plans are offered; until then, AI Tokens are bought as one-time top-ups.

6.1 Plans. Subscription plans, their included features and allowances (such as monthly AI Tokens, storage and VPN data) and their prices are shown on the plans page.

6.2 Automatic renewal. Subscriptions renew automatically at the end of each billing period (monthly or annually) and the payment method on file is charged the then-current price until you cancel.

6.3 Free trials and introductory prices. If a plan starts with a free trial or introductory price, we will show the trial length, the date the first full payment will be taken and the full price before you sign up. We will send you a reminder at least 3 days (or 7 days for trials longer than 7 days) before the first full charge. You can cancel at any time during the trial and will not be charged.

6.4 Renewal reminders. For annual plans we send a reminder at least 7 days and no more than 30 days before renewal, stating the renewal date, price and how to cancel.

6.5 How to cancel. You can cancel at any time, as easily as you signed up: in Settings > Subscription > Cancel, from the link in any renewal email, or by emailing help@mypa.today. We confirm cancellation by email. Cancellation stops future renewals and you keep access until the end of the period already paid for.

6.6 Price changes. We will give you at least 30 days' notice of any price increase before it applies to your next renewal. If you do not want to pay the new price, you can cancel before it takes effect.

6.7 Plan changes. Upgrades take effect immediately with a prorated charge for the remainder of the current period. Downgrades take effect from the next renewal.

6.8 Unused allowances. Monthly included AI Tokens and allowances are not carried over to the next period unless the plan says otherwise.

7. AI Tokens

7.1 What they are. AI Tokens are a prepaid right to use MyPA's own AI services, including creator content and Creator AI Persona chat supplied through MyPA. They are not money, e-money, a deposit or a cryptoasset, cannot be transferred to another account, and cannot be used to pay anyone other than MyPA.

7.2 Types. Purchased AI Tokens are bought with money as one-off top-ups. Promotional AI Tokens are given free (for example as plan allowances, rewards, MyPA Insights rewards or bonuses).

7.3 Usage. The token cost of a feature is shown in the app. Usage beyond your plan's included storage or VPN allowance may be charged in AI Tokens at the rate shown in the app. Plan allowances and Promotional AI Tokens are used first, then Purchased AI Tokens.

7.4 Validity. Purchased AI Tokens remain valid for 24 months from the date of purchase. We will remind you before Purchased AI Tokens expire. Promotional AI Tokens may have a shorter expiry, shown when they are given.

7.5 Closing your account. If you close your account, we will refund unused Purchased AI Tokens bought in the previous 12 months on request, at the price you paid, less any Promotional AI Tokens or bonus tokens received with that purchase. Promotional AI Tokens have no cash value.

7.6 No cash value. Except for refunds described in this Policy or required by law, AI Tokens cannot be exchanged for cash.

8. Ask the Experts fees

8.1 The price, professional type, session length and what is included are shown before you book.

8.2 Cancellation by you. You may cancel a booked live session for a full refund up to 24 hours before its start time. If you cancel less than 24 hours before, or do not attend, the fee is not refunded unless the professional can rebook the slot or the law requires otherwise.

8.3 Cancellation by the professional or MyPA. If the professional cancels, does not attend, or the session cannot take place because of a fault on our side, you will receive a full refund or a free rebooking, at your choice.

8.4 AI + human review services. Once a human-reviewed response has been delivered, the service has been fully performed and the fee is non-refundable, except where the service was not provided with reasonable care and skill.

9. Your legal right to cancel (cooling-off)

9.1 If you are a consumer in the UK, the EU or another country with similar laws, you generally have 14 days to cancel a contract for a digital service or digital content.

9.2 Subscriptions. You may cancel a new subscription within 14 days of purchase. If you asked us to start the service immediately, we may deduct an amount proportionate to the service used before you cancelled; otherwise you receive a full refund.

9.3 Purchased AI Tokens. If you cancel within 14 days of purchase, we will refund the price of any Purchased AI Tokens from that purchase that you have not used. At checkout we ask you to agree that the tokens are made available immediately and to acknowledge that you lose the right to cancel for tokens you have used.

9.4 Ask the Experts. If a service is fully performed within the 14-day period at your request, and you acknowledged that you would lose your right to cancel once it is fully performed, the right to cancel no longer applies.

9.5 To cancel, email help@mypa.today or use the cancellation link in your confirmation email. You do not need to give a reason.

10. Refunds

10.1 In addition to your cancellation rights, we will refund you in full if:

• you were charged in error or charged twice;
• you were charged after you validly cancelled;
• a Paid Service was not provided, or was not provided with reasonable care and skill, and we cannot fix the problem within a reasonable time; or
• we withdraw a Paid Service you paid for in advance (prorated refund for the unused period).

10.2 Because AI can make mistakes (see our AI Transparency, Data Use and Limitations Disclosure), an individual inaccurate AI response does not by itself entitle you to a refund. However, if a recurring fault makes a Paid Service materially unusable, please contact us and we will consider a refund or token credit.

10.3 How refunds are paid. Refunds are made to the original payment method through Trust Payments within 14 days of our agreeing the refund. It may take a further 5–10 working days for your bank to show the credit. We do not charge a fee for refunds.

10.4 App store purchases must be refunded by Apple, Google or the relevant marketplace under its own policy.

11. Failed payments

If a renewal payment fails, we will notify you and retry it over the following 14 days. If payment still fails, the subscription is paused or downgraded to the free plan. Your account data is not deleted because of a failed payment.

12. Disputes and chargebacks

Please contact help@mypa.today first if you do not recognise a charge or are unhappy with a Paid Service. We can usually resolve issues faster than a chargeback. If you raise a chargeback, we may provide your order, authentication and usage records to Trust Payments and the card scheme to respond to it, and may suspend the related Paid Service while it is open. This does not affect your rights under card scheme rules or law.

13. Restrictions

• You must be 18 or over to make a purchase.
• You must be the cardholder or authorised to use the payment method.
• We do not accept orders from, or supply Paid Services in, countries or to persons subject to applicable sanctions.
• We may refuse or cancel an order where we reasonably suspect fraud or misuse.

14. Delivery of digital services

Subscriptions, AI Tokens and AI + human review services are delivered digitally to your MyPA account, normally immediately after successful payment (subject to any security checks). Live Ask the Experts sessions take place at the booked time. No physical goods are shipped by MyPA.

15. Contact

MyPA Limited, VG, Floor 5, 37 Esplanade, St Helier, Jersey, JE1 2TR, Channel Islands. Email: help@mypa.today.