Credits & Billing Rules

1Clone slots

• A clone slot lets you keep one clone active. Slots come with Create Your Clone plans; buying more plans gives more slots, and slots from several active subscriptions add up.
• If one subscription fails or is cancelled, slots from your other active subscriptions keep working.
• When a plan ends, the slot it provided ends too. If you then have more active clones than slots, you choose which clones to archive before chatting again.
• Archived clones stay visible and readable on your computer. Reactivating a clone is always your explicit choice and needs a free slot. A purchase never reactivates or chooses a clone for you.

2Clone Credits and Talking Credits

Credits are shared across all your active clones. When you use the Service, Clone Credits are used first, then Talking Credits. There are only these two balances; we do not show a combined total. Balances are shown rounded down; the exact value is kept on our server, which is the only place credits are granted or charged.

3What uses credits

• Clone replies in chat, when cloud processing is on.
• Building or rebuilding a Persona Blueprint. The app shows the expected cost before you start.
• Natural check-ins, if you switch them on (off by default).

Importing chats, local analysis, browsing memories and managing clones do not use credits.

4How the cost is calculated

• Credits represent AI processing budget: 100 credits = US$1 of processing at our AI provider’s rates for the model used.
• Each request is charged for the processing it actually needed, so short replies cost less than long ones. You never need to understand tokens.
• Before each reply, the server reserves at most a fixed per-reply maximum, then charges only the actual cost and releases the rest. One reply can never drain your balance beyond that maximum.
• If your balance is too low for a full reply, the clone answers more briefly. If it cannot afford even a short reply, nothing is charged and the app asks you to add credits.
• Every request has a unique ID, so retries are never charged twice.
• If our AI provider processes a request but returns no usable text, its exact processing cost is charged once and the app tells you; we are working to make this rare. Charges caused by a fault on our side are restored.

5Buying, renewals and failed payments

• Credits and slots are delivered as soon as Stripe confirms payment, and appear in the app automatically.
• Subscription credits are granted for each paid billing period. Changing a plan mid-period does not grant a second allotment for the same period.
• If a renewal payment fails, access linked to that subscription may pause until it is paid; your other purchases are unaffected.

6Refunds, chargebacks and negative balances

Refund requests may be handled by Stripe or its checkout provider under their checkout terms or by us under the Refund & Cancellation Policy. Your statutory rights are not affected.

• Full refund or chargeback reversed in full: the subscription that payment belongs to is cancelled immediately, and everything that payment granted is removed: clone slots, Clone Credits and Talking Credits.
• Credits already used from that payment are not taken as money. They become a negative balance, shown as negative Talking Credits, and the related payment is marked as reversed in your profile.
• Paying off a negative balance: it is deducted first from any new credits, Clone Credits first and then Talking Credits. Example: with a negative balance of 150, a new plan with 500 Clone Credits shows 350 / 500.
• Normal use never makes a balance negative: a reply or a Persona Blueprint can only be paid from credits you have. Only a reversed payment can create a negative balance.
• Open chargeback: if a payment is disputed with your bank or card issuer, the account is temporarily on hold until the dispute is closed. The Windows app and purchases are paused and your profile is read-only. Nothing is removed while the dispute is open: your credits, clone slots and balances stay as they are. If the dispute is decided in our favour, the hold is lifted and nothing changes.
• Repeated reversals: if payments for the same person (identified by account, email or payment details) are reversed in full more than once, we review the account and may restrict or close it. This is a manual decision after review, never an automatic one. A shared network address alone is never treated as the same person. Refunds of duplicate charges, of our own billing errors or of the unused part of a purchase never count.

7General rules

• Credits and slots have no cash value, cannot be sold, transferred or exchanged for money, and belong to one account.
• Credits are a prepaid right to use AI processing in the Service. They are not money, electronic money, a deposit or a financial product, and they earn no interest.
• Credits lapse if your account is closed, including when it is closed because of a serious breach of our Terms, except where the law requires a refund.
• We may change credit prices or pack sizes for future purchases. Credits you already bought keep their value of 100 credits = US$1 of processing. Because that value follows our AI provider’s rates for the model used, the number of replies a given balance buys can change if those rates or the model change.
• If credits or slots are added to an account by mistake, through a technical error or through a payment that is later reversed, we may correct the balance. We do not remove credits you paid for because of an error on our side.
• Abuse, such as bypassing charges or exploiting errors, may lead to credits being corrected and the account suspended under the Acceptable Use Policy.

8Stripe Managed Payments

For purchases processed by Stripe Managed Payments, the payment provider identified at checkout handles payment support, eligible refunds and payment disputes under the terms shown at checkout. Stripe or its checkout provider may issue an eligible refund without asking us first. Memory Clone remains responsible for providing the app and paid access. Existing subscriptions keep their original payment arrangement unless separately changed.

The payment terms and provider identity shown at checkout and on your receipt apply to that purchase. Your statutory consumer rights are not reduced.

9Payment availability

New Managed Payments purchases are available only in supported billing countries. Use your genuine billing address. Availability can also depend on your payment method.

Check supported billing countries