Intelligence Art — Refund Policy

This Refund Policy applies to everything sold on https://intelligenceart.ai/ (the "Platform") by FOP Sadkovskyi Vadym Anatoliiovych (the "Company"): Academy courses, Studio Subscriptions (monthly and yearly plans, including Studio positions), Credit packages (top-ups), and Goods — books, textbooks, guides and other materials sold as digital files or, where the product page says so, as physical items.

This Policy supplements the Public Offer Agreement and applies to the extent it does not conflict with mandatory law. Where this Policy would narrow consumer rights guaranteed by law, the law prevails.

Language. In the event of any discrepancy, the Ukrainian version shall prevail.

1. Statutory 14-day right of withdrawal

1.1. If you are a consumer, you have the right to withdraw from a distance contract within 14 days in the cases and in the manner provided by the legislation of Ukraine and, where applicable, the mandatory consumer law of your country of residence.

1.2. Digital content exception. The right of withdrawal does not apply where, with your prior express consent, the supply of digital content or the provision of the service began before the end of the 14-day period, and you were informed that you thereby lose the right of withdrawal. On the Platform this consent is given by a separate checkbox at checkout ("I agree to immediate access and acknowledge that I lose the right of withdrawal"). Access to a course, a Subscription, a Credit package or a digital Good is activated immediately after payment confirmation.

2. The rule for Subscriptions, Credit packages and Goods

2.1. For a Subscription, a Credit package or a Good, a refund is possible for one case only: you did not use what the payment bought. The Company checks this against its own records, not against anyone's word. Courses follow Section 3, not this Section.

2.2. "Used" means, for each product:

(b) a Subscription — any Credit granted for the paid period has been reserved or spent, including Credits granted by an upgrade paid for in the same period and Bonus Credits carried over from them;
(c) a Credit package — any Credit of the package has been reserved or spent;
(d) a digital Good — the file has been downloaded or opened;
(e) a physical Good — the item has been shipped; from that moment the return rules on its product page apply.

2.3. Once a payment has been used — one generation, one download — it is non-refundable, save where mandatory law provides otherwise. There is no partial refund of a used payment.

2.4. A refund takes back everything the payment bought. A refund of a monthly plan ends the month; a refund of a yearly plan ends the whole year; a refund of a renewal takes back the renewed period. Credits that the refunded payment did not buy are not taken: if a yearly plan bought while a monthly plan was running is refunded, the monthly Credits that had moved into the year are returned to you as Bonus Credits with the Bonus validity period.

2.5. Every refund is decided and made by a person at the Company. Nothing is refunded automatically.

3. Academy courses

3.1. Because access to a course is activated immediately upon payment with your express consent under clause 1.2, the statutory right of withdrawal does not apply to a course.

3.2. No refund for an unopened course. The fact that you have not opened a course, have changed your mind, have no time, or did not read its description before buying is not a ground for a refund. The Company does not refund course payments on such grounds.

3.3. Goodwill review. Outside the cases required by mandatory law, a refund of a course payment is a right, not an obligation, of the Company, granted solely as a gesture of goodwill towards its students and decided by a person at the Company on a case-by-case basis. The Company may consider a request submitted within 14 days of payment only where all of the following are met: (a) you have actually opened and engaged with the course materials available at the time of the request, which the Company verifies against its own records of your lesson progress; (b) you state specific, substantiated reasons why the course does not match its published description, with reference to the particular lessons or materials concerned; (c) you have complied with the Terms of Use (no account sharing, no copying, recording or distribution of materials). A request that does not meet all three conditions is declined without further review. The grant of a goodwill refund in one case creates no right to a refund in any other case.

3.4. A course bought at a Discount price or with a promo code is refunded, if at all, at the amount actually paid. On refund, access to the course ends at once, and any certificate issued for it is revoked.

4. Studio Subscriptions

4.1. You may cancel the renewal of a Subscription at any time in your account; the Subscription then remains active, with its Credits, until the end of the paid period. Cancellation of renewal is not a ground for a refund of the current period. If you change your mind before the period ends, you may turn renewal back on in your account without buying again.

4.2. A Subscription payment — the first one or a renewal — is refundable only while the period's Credits are fully untouched under clause 2.2(b). A yearly plan is granted its whole year of Credits at once; a refund of a yearly plan is a refund of the whole year, possible only while not one of them has been used.

4.3. A yearly plan runs to the end of its year. There is no mid-year downgrade and no refund of the remaining months; you may cancel renewal and the plan stays active to its last day.

4.4. A plan change paid today (an upgrade, a monthly-to-yearly purchase) is a separate payment and follows clause 2.4. A downgrade takes effect from the next period and is not charged, so there is nothing to refund.

4.5. Renewals are charged at the plan's price and terms in force on the renewal day. A declined renewal charge does not create a debt: the plan stops until you update the card; nothing is refunded because nothing was charged.

4.6. A paused yearly plan is not refunded for the pause; the Subscription and its Credits are extended by the length of the pause instead.

5. Credit packages (top-ups)

5.1. A Credit package is refundable only while fully untouched under clause 2.2(c). A partially used package is non-refundable, save where mandatory law provides otherwise.

5.2. Credit packages you bought stay yours when your Subscription ends, is cancelled or is refunded; they live to their own validity period.

5.3. Spent Credits, Bonus Credits, carried-over Credits and Daily Free Credits are not refundable and have no monetary value.

5.4. Credits reserved for a generation that fails or is blocked by moderation are automatically released back to your balance (see the Terms of Use); such release is the sole remedy for a failed generation.

6. Goods — books, textbooks, guides and other materials

6.1. A digital Good is refundable only while untouched under clause 2.2(d). Once downloaded or opened it is non-refundable, save where mandatory law provides otherwise.

6.2. A physical Good, where offered, follows the return and shipping rules on its product page and the mandatory consumer law applicable to you; the 14-day statutory right of withdrawal applies to physical goods and is not affected by clause 1.2.

7. How to request a refund

7.1. Send a written request to support@intelligenceart.ai stating: your full name; the email used for the purchase; the product (course, Subscription, package or Good) and the order number from your Orders page; the date and payment method.

7.2. A decision is made within 10 business days of receiving a complete request. Where a statutory withdrawal applies, the refund is paid within the period established by law and in any case no later than 30 days from receipt of the withdrawal notice.

8. Method of refund

8.1. Refunds are made using the same payment method as the original payment (card, account, payment service). Fees of payment services, banks or networks may be deducted from the refund amount where permitted by law and by the rules of the relevant payment provider.

8.2. Cryptocurrency payments. A payment made in USDT or USDC is refunded in the same coin on the same network, to the address from which the payment was received (or another address agreed in writing). Network fees are borne by the recipient. The Company does not compensate exchange-rate differences between the moment of payment and the moment of refund.

9. When a refund is declined

A refund is declined where: for a Subscription, a Credit package or a Good, the payment has been used under clause 2.2; for a course, the request does not meet every condition of clause 3.3; the Terms of Use were breached (including account sharing, copying or distribution of materials); or the data provided does not allow identifying the payment. This does not limit consumer rights in the cases expressly provided by law.

10. Chargebacks

Before initiating a chargeback with your bank, please contact us at support@intelligenceart.ai — most issues are resolved faster directly. Every chargeback is answered by a person at the Company with the evidence of delivery. A chargeback on a used payment may result in suspension of the account pending review; a chargeback lost by the Company on a Credit package leads to the withdrawal of that package's Credits.

11. Contact

FOP Sadkovskyi Vadym Anatoliiovych · RNOKPP 3043518350
41 Kanatna St., apt. 16, Odesa, 65000, Ukraine
support@intelligenceart.ai · +380938821592