Sayo Paid Services Policy

This Policy governs the monthly subscription and the credits included with it. Top-ups are designed but are not on sale today, so section 6 states the terms that would apply if they go on sale. Card payment for the monthly subscription runs on a checkout page hosted by Stripe, through Stripe Managed Payments. What checkout shows must match the verified facts in this Policy.

1. Seller and merchant information

Liouville Labs Inc. is the seller and is responsible for the service. Card payments run through Stripe Managed Payments, which Stripe describes as its merchant of record solution. Under the Stripe Managed Payments Terms, the service is provided by Stripe's affiliate Sold through Link, LLC, which is the merchant of record for transactions made through it; it communicates with you and invoices you in its own name, but it is not the seller of record. At checkout, on receipts, and in post-purchase support you will see Link as the merchant of record, and your purchase is shown as Sold through Link. The card provider's contracting entity and merchant of record is Sold through Link, LLC (United States), the Stripe affiliate that is merchant of record for Stripe Managed Payments transactions, under the Stripe Services Agreement with Stripe, Inc. (United States). The checkout and card statement merchant display is [UNRESOLVED:payments.card.merchant_display]; Stripe states that card statements show LINK.COM* followed by the seller's statement descriptor. The Korean commerce registration status is [UNRESOLVED:regulatory.kr_commerce.registration]. We do not guess an unverified merchant display.

2. Paid products

Sayo offers a monthly subscription that provides time-limited access and included internal usage units. One-time top-ups, which would buy separate internal units, are designed but are not on sale today. Product descriptions shown at checkout are part of the order record.

3. Price, tax, currency, and total

Before payment, checkout shows the verified currency United States dollars (USD) and the subscription price Individual USD 29.00 per month and Prosumer USD 79.00 per month, monthly billing only. On tax: displayed subscription prices are tax inclusive: any sales tax, VAT or GST calculated by Stripe Managed Payments from the product tax code and the buyer location is contained in the displayed price of USD 29.00 or USD 79.00 and is not added on top, with checkout showing before payment the tax amount and the total. Stripe Managed Payments calculates and collects the sales tax, VAT, or GST that applies to your location and remits it to the relevant tax authority. Displayed prices include tax; the tax amount and the total are shown on the checkout page before payment. Stripe states that Adaptive Pricing is on by default for Managed Payments so buyers can pay in their local currency, so the checkout total may be shown converted into your local currency. The top-up schedule today is not published, because top-up credits are designed but no shipped surface starts a top-up purchase and they cannot be bought today. 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 monthly renewal on the same day of each cycle, charged at the start of the cycle, cancellable in the customer portal at any time before the next 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 2,900 credits each billing cycle on Individual and 7,900 credits each billing cycle on Prosumer, granted for that cycle alone and, by design, expiring at the end of the cycle without carrying over. 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 is subject to professional review of the final product structure.

6. Top-ups

Top-ups would be one-time purchases; their price schedule today is not published, because top-up credits are designed but no shipped surface starts a top-up purchase and they cannot be bought today. If they go on sale, 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 rule is cancel at any time in the customer portal, taking effect when the current billing cycle ends, with the service available until then. If you paid through Stripe Managed Payments, you can also view your orders, cancel or update the subscription, and update your payment method on the Link website (link.com); if you checked out as a guest, you are prompted to create a Link account to use those tools. 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 this: the statutory seven day withdrawal right applies, but because the paid service starts the moment payment succeeds it is limited once supply has begun, and checkout must disclose that limit and take a separate confirmation before the purchase. Where law requires separate consent before an exception applies, checkout will present the right and capture the required choice. This policy does not impose a blanket waiver, and statutory refund timing controls. Link's refund page also states that you may have a cooling-off right to cancel your order under the consumer laws of your country.

9. U.S. renewal rights

The reviewed U.S. state renewal rule requires renewal terms shown clearly and conspicuously at checkout with affirmative consent recorded before the first charge, a receipt emailed for every charge, and online cancellation available without contacting support. 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 follow this rule: no pro rata refund once a billing cycle has started, with cancellation stopping the next charge and access remaining until the cycle ends, and refunds made where law requires them, including a valid statutory withdrawal, a duplicate charge, a charge for a service that was not supplied, or a supply that does not match the contract. Under the Stripe Managed Payments Terms, Sold through Link, LLC may issue a refund within 60 days of your purchase even where this Policy is more restrictive, and where the two conflict and this Policy is more restrictive, the Sold through Link refund policy controls. That refund policy covers requests made within 60 days of the transaction for digital goods that were not received, were significantly not as described or unfit for purpose, or were damaged or corrupted, and for unauthorized or duplicate payments; it excludes a change of mind and unused subscriptions that were not cancelled before the billing date. You can ask Link support for a refund, and a refund includes the tax you paid. 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: the Stripe Services Agreement is accepted and the account has passed the verification Stripe requires before it may charge a real card.

12. Billing disputes

Review the receipt and use the dispute path: a chargeback with the card issuer, raised in parallel with a message to the operator support channel. Under Stripe Managed Payments, Link support handles payment and subscription support requests, and Stripe reviews card disputes and submits evidence where it decides to contest them. Receipts, invoices, refund notices, and certain subscription emails are sent to you directly by Stripe from Link. 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

Account deletion cannot be requested inside the product today; the privacy policy's deletion section records that state. Once that route opens, 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]. Payment processing, receipts, subscription management, and refund requests are also handled by Link support. Checkout must display the same seller, support, price, tax, renewal, and refund facts as this policy.