Sayo Paid Services Policy
This Policy governs subscriptions and top-ups. Hosted and tokenized card checkout is offered only when provider, merchant, price, tax, contract, and live-test facts are verified and the checkout feature is enabled.
1. Seller and merchant information
The seller is [UNRESOLVED:operator.legal_name]. The checkout merchant display is [UNRESOLVED:payments.card.merchant_display], and the card provider's contracting entity is [UNRESOLVED:payments.card.provider_legal_name]. Checkout remains disabled until these and Korean commerce registration [UNRESOLVED:regulatory.kr_commerce.registration] are verified.
2. Paid products
Sayo may offer a monthly subscription and one-time top-ups. The subscription provides time-limited access and included internal usage units; a top-up purchases separate internal units. Product descriptions shown at checkout are part of the order record.
3. Price, tax, currency, and total
Before payment, checkout shows the verified currency [UNRESOLVED:commerce.currency], subscription price [UNRESOLVED:commerce.subscription.price], top-up schedule [UNRESOLVED:commerce.topups.price_schedule], and tax presentation [UNRESOLVED:commerce.subscription.tax_display]. The final total and billing cadence are displayed before consent; no charge is submitted while any required amount is unresolved.
4. Automatic renewal
The renewal rule is [UNRESOLVED:commerce.subscription.auto_renewal]. Before the first charge, we separately present the renewal cadence, amount or calculation method, trial or promotional terms, how to cancel, and when cancellation takes effect, and we record affirmative payment consent.
5. Included credits
The verified included-unit grant is [UNRESOLVED:commerce.subscription.included_credits]. Included units are internal service-use units rather than a promise of a fixed cash or dollar value, are nontransferable, are consumed before promotional and purchased units, expire at the end of the applicable billing cycle, and do not roll over. Promotional credits have no cash value and disclose their expiration and conditions at grant. Their regulatory treatment and exact grant must be reviewed against the final product structure before checkout opens.
6. Top-ups
Top-ups are one-time purchases under [UNRESOLVED:commerce.topups.price_schedule]. Purchased units are not a fixed U.S.-dollar promise, cannot be transferred or redeemed as cash, are consumed after included and promotional units, and do not expire while the account remains active. Refundability, account-closure treatment, payment reversal, and any treatment required by mandatory law are governed by the verified refund rule and checkout disclosure.
7. Cancellation
You can stop future subscription renewals through the account billing controls or the verified support path [UNRESOLVED:payments.card.support_path]. The cancellation effect is [UNRESOLVED:commerce.cancellation_rule]. Turning off new checkout never removes access to cancellation, refund, receipt, or dispute controls.
8. Korean withdrawal rights
For Korean digital-content transactions, the applicable withdrawal and supply-start rule is [UNRESOLVED:commerce.kr_withdrawal_rule]. Where law grants a seven-day withdrawal right or requires separate consent before an exception applies, checkout will present that right and capture the required choice. This policy does not impose a blanket waiver, and statutory refund timing controls.
9. U.S. renewal rights
The reviewed U.S. state renewal rule is [UNRESOLVED:commerce.us_renewal_rule]. Material offer terms appear before billing, consent is retained as required, cancellation is available online where required, and renewal or price-change notices are sent on the applicable schedule.
10. Refunds
Refund eligibility and calculation are [UNRESOLVED:commerce.refund_rule]. We distinguish unused purchased units from included or promotional units, prevent double refunds, and return approved funds through the legally and technically permitted route. Nonwaivable statutory remedies override this policy.
11. Failed or reversed payment
If payment fails, is reversed, or is disputed, we may pause new paid usage while preserving access to required billing records and remedies. We do not create paid units until a verified provider event is applied exactly once. The provider contract status is [UNRESOLVED:payments.card.contract_status].
12. Billing disputes
Review the receipt and contact the payment support path [UNRESOLVED:payments.card.dispute_path]. We will investigate without restricting a right to contact the card issuer, regulator, or court. Chargeback handling does not authorize duplicate collection or retaliation for a good-faith complaint.
13. Account deletion and billing
Requesting account deletion immediately blocks new use and new checkout. We cancel future subscription renewal, resolve pending refunds and purchased-unit balances under applicable law, and keep only billing records that a verified legal schedule requires. Deletion does not erase a debt or right that law requires us to preserve.
14. Contact
Paid-service questions go to [UNRESOLVED:contacts.support.email]; the published response target is [UNRESOLVED:contacts.support.response_time]. Checkout must display the same seller, support, price, tax, renewal, and refund facts as this policy.