Payment Policy

Last updated: June 13, 2026

This Payment Policy ("Policy") explains how payments, credits, invoices, refunds, and related billing matters work on oooi("we," "us"). It forms part of your agreement with oooi (the Company) and should be read with our Terms of Service and Privacy Policy.

By purchasing Ostra credits or using postpaid billing, you agree to this Policy. If you do not agree, do not make a purchase.

1. Definitions

• Ostra / O credits: a limited, revocable platform currency used to access metered features. O credits are digital goods, not cash, and are not redeemable for fiat currency except as expressly stated herein or required by law.
• Credit package: a bundled grant of O credits offered for a stated price in a stated currency (e.g., USD).
• Postpaid (pay-later): billing model where O credits are granted immediately and payment is due on a later invoice date.
• Prepaid / pay-now: payment completed at or before checkout via an immediate payment method (e.g., Polar checkout), as offered in the product.
• Invoice: a record of amount due for a credit package or related charges, including any applicable fees.
• Gateway: a third-party payment processor — currently Polar.

2. Credit packages and pricing

Current plans (subject to change; authoritative list on the Pricing page) include:

• Free — 500 welcome Ostra;
• Ocean Max — 25,000 Ostra/month for USD $17.33;
• Ocean Ultra — 50,000 Ostra/month for USD $22.33;
• Booster 2.5K — 2,500 Ostra top-up (USD $4.33 per pack). Pay now with no fee, or defer payment up to 30 days for a flat $1 service fee;
• Booster 5K — 5,000 Ostra top-up (USD $7.33 per pack). Pay now with no fee, or defer payment up to 30 days for a flat $1 service fee; available only to active Ocean Ultra subscribers.

Plan names, credit amounts, prices, currencies, and labels may be updated in configuration without prior notice. The price and credit amount displayed at checkout at the time you confirm a purchase govern that transaction.

Display reference rates (e.g., O credits per USD) are illustrative; actual value is determined by package pricing and feature costs at time of use.

3. How purchases work (postpaid default)

oooi's primary model for credit packages is postpaid billing:

1. You select a credit package and confirm purchase;
2. We create a pending invoice for the package price (plus applicable fees — see Section 4);
3. O credits are granted to your account immediately upon successful creation of the invoice and credit grant;
4. Payment is due by the invoice due date (default: 7 calendar days from purchase);
5. You may pay via Polar checkout or settle from your account page while the invoice is pending.

Credits are available for use as soon as they are granted, even before payment is received. This is intentional under postpaid billing and affects refund eligibility (Section 8).

4. Postpaid service fee

A USD $1.00 service fee applies to postpaid (pay-later) credit package invoices only.

• The fee is added to the invoice total when you choose postpaid billing and receive credits before payment (e.g., Polar pay-in-30-days or any checkout path where payment is deferred).
• The service fee does not apply to prepaid purchases where you complete payment in full at checkout at the listed package price, unless we expressly state otherwise at checkout.
• The fee is disclosed on the invoice and/or checkout summary before you confirm. Example: a Starter package at USD $5.00 on postpaid terms results in a total invoice of USD $6.00 (package + $1.00 service fee), granting 500 Ostra upon confirmation.
• Service fees are non-refundable except where required by applicable law or at our sole discretion in documented billing errors.

5. Payment gateway — Polar

oooi uses Polar as its payment processor for subscriptions and one-time top-ups. Polar processes card and wallet payments under its own terms and privacy policy. oooi does not store full card numbers. Checkout may be used for immediate payment or pay-in-30-days where offered; if checkout is cancelled or expires, your invoice may remain pending under postpaid terms and credits may already have been granted.

Payment confirmations and failures are reconciled via Polar webhooks and status APIs. oooi verifies webhook signatures using HMAC-SHA256 where configured.

5.1 Gateway availability

Available gateways depend on configuration, region, and account status. We may enable or disable gateways without notice. If no gateway credentials are configured in a development environment, the platform may operate in postpaid-only mode with pending local invoices.

6. Invoices, due dates, and status

Each credit purchase creates invoice records including:

• Line items describing the package and O credit amount;
• Subtotal (package price) and total due (including postpaid service fee if applicable);
• Currency (default USD);
• Status: pending, paid, overdue, or void;
• Due date (default 7 days from creation);
• Gateway reference for payment reconciliation;
• Checkout URL when available, so you can resume payment.

An invoice becomes overdue when its due date passes without payment, or when explicitly marked overdue by our systems. Overdue status triggers restrictions described in Section 10.

7. Postpaid limits and exposure controls

To manage credit risk, we enforce limits including:

• Postpaid credit limit (default: 200 O): your balance may go negative up to this limit before new paid feature usage is blocked;
• Maximum pending invoices (default: 2): you may not create additional top-ups if you already have too many unpaid pending invoices;
• Maximum pending exposure (default: USD $50): total unpaid pending invoice amounts cannot exceed this threshold;
• Granted-but-unpaid top-up guard: if credits were granted for a top-up whose invoice remains unpaid, new top-ups may be blocked until settlement.

Limits are configurable and may change. The in-product error messages and account page reflect current enforcement.

8. Refunds — general rule: no refunds after credit grant

Ostra credits are digital goods. All sales are final once credits are granted to your account, except where refund is required by mandatory consumer protection law in your jurisdiction.

This means, without limitation:

• No refunds for amounts already paid if corresponding O credits were delivered and remain available or have been consumed (in whole or in part);
• No refunds for consumed services (paid feature usage that debited O credits);
• No cash redemption of unused O credits for fiat currency, gift cards, or third-party payment methods;
• No prorated refunds if you stop using the Service, delete your account, or cancel future purchases.

If you believe a billing error occurred (duplicate charge, wrong amount, credits not granted), contact support@oooi.ai within 14 days with invoice ID and details. We will investigate and, at our discretion, correct the ledger, void an erroneous invoice, or grant adjustment credits.

9. Cancellations

9.1 Account and future billing

You may cancel use of the Service at any time by ceasing purchases and deleting your account (where available). Cancellation does not retroactively void completed purchases or unpaid invoices.

9.2 Subscriptions

Ocean Max and Ocean Ultra are monthly subscription plans billed through Polar. You may cancel renewal at any time effective at the end of the current billing period unless otherwise stated at purchase — without refund for amounts already paid or credits already granted for that period. Booster top-ups (5,000 Ostra per pack) are separate postpaid purchases available only on Ocean Ultra.

9.3 Pending checkout cancellation

If you cancel Polar checkout before payment, credits may already have been granted under postpaid terms and an invoice may remain pending. You are responsible for settling that invoice or contacting support if you believe the transaction should be voided.

10. Non-payment, overdue invoices, and suspension

If you fail to pay an invoice by its due date:

• The invoice may be marked overdue;
• We may block new paid feature usage, new credit top-ups, and wallet (P2P) transfers until all overdue amounts are settled;
• We may suspend your account. While suspended, paid features are unavailable; free Search and Optimize within rolling limits may continue (often routed via Omega) as described in-product;
• We may void the invoice and reverse granted credits associated with failed or fraudulent payment, using ledger adjustments;
• We may refer collection to third parties where permitted by law, and you remain liable for amounts due plus reasonable collection costs where allowed.

Free-tier features are intentionally not blocked solely for overdue postpaid invoices in the same manner as paid features, but we reserve the right to restrict any access for abuse or legal compliance.

11. Failed payments and invoice voiding

When a payment gateway reports a definitive payment failure (not merely an expired checkout session), we may:

• Mark the invoice as void;
• Reverse O credits previously granted for that top-up via ledger debit;
• Update the associated top-up request status accordingly.

Expired Polar checkout sessions do not automatically void postpaid invoices — the invoice remains payable. This preserves postpaid billing where credits were granted upfront.

If a rollback partially fails due to technical error, contact support immediately. We will reconcile manually.

12. Chargebacks and payment disputes

If you initiate a chargeback or payment dispute with your bank or card issuer instead of contacting us first:

• We may suspend your account pending investigation;
• We may void credits associated with the disputed payment and provide evidence of credit grant and service usage to the payment network;
• You remain liable for the invoice amount if the chargeback is decided in our favor, and for chargeback fees where permitted;
• Fraudulent chargebacks may result in permanent termination and referral to collections or law enforcement.

Please email support before disputing a charge. Most billing issues resolve faster through us than through bank disputes.

13. Wallet transfers and billing restrictions

Peer-to-peer transfers of O credits between accounts using wallet codes (OSTRA-XXXX-XXXX) are subject to:

• Sufficient sender balance within postpaid limits;
• Active account status (not suspended);
• No overdue invoices on the sender account — transfers are blocked until settlement;
• Platform rules against self-transfers and invalid codes.

Transfers are final. We do not mediate disputes between users except in cases of demonstrable system error or fraud.

14. Taxes

Prices may be shown exclusive or inclusive of taxes depending on region. You are responsible for any applicable sales, VAT, GST, or similar taxes unless we are required by law to collect and remit them. If tax law requires invoice adjustment, we may update totals before payment confirmation.

15. Currency

Unless otherwise stated, prices are in United States Dollars (USD). Your payment provider may convert currencies at its exchange rate and charge conversion fees. We are not responsible for foreign exchange losses.

16. Promotional credits

We may grant promotional or bonus O credits at our discretion. Promotional credits have no cash value, may expire, and are non-refundable. We may claw back promotional credits obtained through abuse or error.

17. Feature consumption and metering

Paid features debit O credits according to the active feature cost schedule. Illustrative costs:

• Compare — 3 O per call;
• Decide — 3 O per call;
• Debate — 10 O × rounds × debaters;
• Conductor — 5 O + 1 O per 1k tokens;
• Intelligence Profile — 2 O per call.

Search and Optimize are free within rolling window limits and do not debit credits; they may route to Omega when limits are exhausted. Debited credits are consumed services and are not refundable.

18. Replacements and credits adjustments

We do not offer replacements in the sense of physical goods. In limited circumstances we may:

• Grant goodwill O credits for documented outages or billing errors;
• Reverse erroneous debits identified in our ledger;
• Void invoices and reverse grants for failed payments as described above.

Such adjustments are discretionary unless required by law.

19. Consumer rights (EEA/UK and similar)

If you are a consumer in the European Economic Area, United Kingdom, or other jurisdiction with mandatory withdrawal rights for digital content:

• By confirming purchase and receiving immediate grant of O credits, you acknowledge that performance begins immediately and you may lose the right of withdrawal once credits are delivered, to the extent permitted by law;
• Mandatory refund rights that cannot be waived by contract still apply. Contact us if you believe such rights apply to your transaction.

20. Changes to this Policy

We may update pricing, fees, limits, gateways, and this Policy. Changes apply to future transactions after posting. Material adverse changes to postpaid terms for existing unpaid invoices will be handled in compliance with applicable law.

21. Contact for billing

Billing support: support@oooi.ai
Legal notices: legal@oooi.ai
Account & invoices: oooi.ai/account
oooi.ai/contact