Credit terms

Pay as you go

Arbor offers one-time packs of $5, $10, $25 and $100 in Arbor credits, priced in US dollars. There is no subscription or automatic recharge. Any applicable tax is shown separately at checkout. Your account receives a one-time $5 starter credit grant.

What credits cover

Credits pay for AI actions within Arbor. $1 in Arbor credit value corresponds to $0.30 of the provider-cost budget used by Arbor's usage meter. For example, a $10 pack supplies $3 of provider-cost budget. The remaining amount helps pay for operating Arbor; it is not a promise of net profit or a separate refundable fee.

Usage depends on the model, input size, output and action. There is no fixed token allowance. Arbor reserves a maximum estimated cost before starting an AI action and returns unused reserved credit after confirmed usage. If provider usage cannot be confirmed, the reservation stays held for review.

Arbor credits are not money, transferable tokens, or credit in an OpenAI account. They cannot be transferred or redeemed for cash. Credits currently have no expiration date.

Daily limits and availability

AI use has a per-account daily provider-cost ceiling of $1 (approximately $3.33 in Arbor credit value), resetting at midnight UTC. Arbor also has shared daily and calendar-month AI budgets and may pause AI for a spending review or service issue. These limits apply even when you have a positive balance.

Buying another pack does not bypass a limit, remove a pause, or guarantee immediate or uninterrupted AI availability. Start with a small pack if you are unsure how much you will use. Your saved notes and answers remain available when credits run out; ordinary account access rules still apply.

Final sale and billing problems

Credit purchases are final sale. We do not offer discretionary refunds for unused or used credits or changes of mind. Promotional and starter credits have no cash refund value.

This policy does not limit any cancellation, refund or other consumer rights that apply by law. Contact us about duplicate or incorrect charges, missing purchased credits, or a legally required refund. Any approved refund is returned through the original payment method and the corresponding Arbor credits are removed. A payment dispute may pause AI spending on the account while it is reviewed.

Receipts and support

Stripe processes payments and sends a receipt to your account email after a successful live payment. Credits appear after payment is confirmed; some payment methods take longer. If they do not appear, refresh Settings → Credits or contact skstudiohq@gmail.com with your receipt number. Never send your full card number or passwords.