Fees Guide

Helps you understand memparcel's charges: subscription and credits. Prices and credit rules follow what's shown on the website or in-app purchase page. This is an explanatory guide; it does not replace the Terms of Service or Privacy Policy. Version: 2026-09-23.

memparcel charges in two parts: a subscription (software license) and credits (spent per usage on our models and transcription). They are billed separately and are independent: without an active subscription you cannot buy or use credits; you may skip credits and bring your own model key (BYOK), but an active subscription is still required.

1. Subscription

The subscription is your memparcel software license; it unlocks the full app: memory cleaning, knowledge base, AI chat, workspace, updates and support. One subscription binds to one device.

1.1 Billing cycle

• Subscriptions come in monthly and annual cycles; the price shown on the purchase page is authoritative.

1.2 Renewal

• Auto-renewal: subscriptions auto-renew on your chosen cycle until you cancel;
• You can cancel anytime, effective at the end of the current paid cycle (features stay active until then);
• Buying again before expiry, or renewing: the new period is appended after your current paid period, with no overlap and no waste;
• Changing the billing cycle (from monthly to annual, or from annual to monthly): change the cycle via the Stripe customer portal; Stripe handles the proration;
• Promo-granted subscription days: simply extend your expiry date; they are non-refundable and non-cashable;
• Price-increase notice: any increase is announced at least 30 days before it takes effect (email or in-app), applying from your next renewal; you may cancel before it takes effect.

1.3 Free trial

• A new device gets a trial license on first install: 7-day access & 1,000 credits, no payment method required;
• One trial per device; reinstalling after deleting data does not grant another;
• Access and trial credits expire together after 7 days; the trial never auto-charges and never auto-converts to a paid subscription — you must purchase to continue;
• Trial credits work exactly like paid credits and can go toward any usage listed in Section 2 (model calls or transcription), as you choose;
• Buying during the trial: the trial key upgrades in place to a paid subscription; the paid period starts from the payment date; trial credits keep their own 7-day validity and are not merged into the paid period;
• Buying anytime after the trial ends activates/extends on the same device's key.

1.4 Payment

• As supported on the purchase page. We are the seller of record; Stripe is only the payment processor. Prices are tax-inclusive — no extra tax at checkout.

2. Credits

2.1 What credits are

• Credits are memparcel's single unit of account for AI processing and transcription usage;
• You obtain credits by topping up (the top-up amount and credits included follow what's shown on the purchase page);
• Credits are non-transferable, non-cashable, and cannot be redeemed for cash;
• Each model is charged per the rate card published on the website or in-app; the rate card is set with reference to the upstream provider's API prices.

2.2 Credit consumption table

The table shows the credits-to-usage exchange: the credits in the "Credits" column buy the corresponding usage on that row (input, output and cache-hit priced separately):

Transcription is prorated by second below one minute and consumes credits even with BYOK; the rate card, peak/off-peak bands and available models all follow the website or in-app posting (change rules in 2.5).

If the rate card changes, the website posting governs; see 2.5 for change rules.

2.3 Top-ups

• Top-ups come in several tiers; each tier's price, included credits and any bonus credits follow what's shown on the purchase page;
• Bonus credits are used under the same rates and rules as paid credits, but are non-refundable and non-cashable.

2.4 How credits are used

• Deduction order: paid credits first, then bonus credits; within the same category, earliest-expiring first, ties broken by receipt time;
• Validity: paid credits are generally valid for 12 months from receipt (unless the purchase page states otherwise); bonus credits follow the validity published when they are granted (for example, trial credits last 7 days); each batch's expiry is shown in-app; unused credits then expire, with no monthly reset — you pay only for what you use;
• Region binding: credits are bound to the region where obtained and cannot be used or migrated across regions;
• When a subscription expires: unused credits are retained and remain usable once you renew; but without an active subscription the app is read-only and credits cannot be spent;
• Credit validity keeps running in read-only mode (it does not pause): while your subscription is lapsed, credits still count down their original batch validity and expire on schedule;
• Read-only mode: on expiry or without an active license, you can still view, search and export your local data (local data is not deleted on expiry or refund), but cannot start chat, cleaning or any model call;
• Promo-granted credits follow the same deduction rules as top-up bonus credits (same rates, non-refundable and non-cashable); their validity follows the rules published when they are granted;
• BYOK: using your own third-party model API key consumes no credits (you settle with that provider directly), but an active software license is still required; BYOK is also unavailable in read-only mode;
• Queries & disputes: check your balance, usage details and each batch's applicable rate in-app anytime; disputes about a deduction should be raised within 90 days.

2.5 Rate changes and price protection

• Each top-up's credits form a batch anchored to the credit-cost rates in effect when you bought them;
• Purchased credits are used, within their validity, at your purchase-time rates until used up or expired;
• Any rate change is announced at least 7 days in advance (website + in-app) and applies only to new top-ups;
• Protection covers only the models available at your purchase time; models launched after your top-up are charged at their latest rate card.

3. Refunds

Specifics follow the purchase-page posting and Terms of Service.

3.1 Subscription refund

• Full refund within 14 days of your first subscription payment, no reason needed;
• Renewal charges are non-refundable (except mis/duplicate charges, our material failure, or where law requires);
• After a refund, the subscription expires immediately with no remaining entitlement; we also cancel your Stripe auto-renewal for you, no action needed.

3.2 Credit refund

• Within 14 days of purchase, refund of "unused paid credits"; consumed credits count against paid credits first; bonus credits are non-refundable, non-cashable;
• Refund = amount paid × unused paid credits ÷ base credits (base = the tier's stated credit amount, excluding bonus), returned in the original currency via the original method;
• Illustrative example: a purchase grants 15,000 base credits and 1,500 bonus credits; after 1,500 are used, the "paid first" rule leaves 13,500 paid credits; the refund equals the amount paid multiplied by 13,500 and divided by 15,000, that is 90% of the amount paid (illustrative; actual tiers and amounts follow the purchase page);
• After a refund, all remaining credits from that purchase (unused paid + bonus) are voided;
• Refund or protection, not both: for unused paid credits you may either refund within 14 days, or claim price protection (use at purchase-time rates) per 2.5 — not both.

3.3 Other payment & refund cases

• You can buy again after a refund; but repeatedly requesting refunds may lead us to decline further refunds;
• Paid but not activated or not received: contact support with your order number and payment email to resolve;
• The applicable price is the one shown on the purchase page at your time of payment; later price changes don't affect that purchase;
• Duplicate charges: the same payment is never billed twice; if a mis-click truly produces multiple payments, the extra periods are appended, and you may refund the extra one per 3.1/3.2.

4. Other

• Limited-time promotions (e.g. launch offers) follow what's announced on the website;
• See the Terms of Service and Privacy Policy 〔link〕.