Subscription, Billing and Credits Terms
These terms form part of the Terms of Service. BM-i Studio is provided by BrightMinds Digital Marketing Corporation.
Who you pay, and your receipt
We sell and provide BM-i Studio. How you pay decides who appears on your receipt; checkout shows which applies before you pay.
Paying through PayPal. Where checkout takes you to PayPal, BrightMinds Digital Marketing Corporation is the seller of record. PayPal processes the payment under its own terms, and your PayPal receipt and statement name us. Plans bought through PayPal are PayPal subscriptions that renew automatically each period until cancelled. You can cancel in BM-i Studio under Settings, or stop the automatic payment from your PayPal account; either way you keep your plan until the end of the period you have paid for. If you choose to pay by debit or credit card on PayPal's card form, without a PayPal account, the payment is a one-off charge for one period (a month or a year) and does not renew automatically: we remind you before the period ends, you can pay for the next period under Settings → Plan & credits, and if you don't, your workspace returns to the Free plan when the period ends. Any taxes that apply are shown before you confirm.
Paying through our merchant-of-record partner. Where checkout is run by our merchant-of-record partner, that partner is the seller of record for the transaction. In practice this means:
- your card or bank statement and your receipt or invoice show the payment partner as the seller of record for the transaction, with BM-i Studio named as the product;
- the payment partner processes the payment and calculates, collects and remits any VAT, GST or sales tax due where you live.
Philippine customers. If your workspace's billing country is the Philippines, you may pay in Philippine pesos through a Philippine payment gateway (cards, GCash, Maya, QR Ph and other local methods shown at checkout). For these purchases, BrightMinds Digital Marketing Corporation is the seller of record: your receipt and statement name us rather than a merchant-of-record partner, and we account for any Philippine taxes due on the sale.
Whichever way you pay, your subscription, the Service, support, credits and refunds are ours: contact us about anything to do with the Service, and we arrange refunds through the payment provider you used.
Plans and renewal
Checkout shows the plan, billing interval, included features and credits, taxes and renewal price. Paid subscriptions renew automatically until cancelled. You can cancel at any time in Settings; cancelling stops future renewals and you keep access until the end of the period you have paid for. Downgrades take effect at the next renewal unless checkout says otherwise. If a payment fails we may retry it, limit features or suspend the account after notice.
Trials and promotions may have eligibility rules and only convert to paid plans with clear advance notice and your authorization. Price changes apply to future renewals after at least 30 days' notice; if you do not accept a change, cancel before it applies. Editors, templates and other software features included in your plan stay available for the whole paid period regardless of your credit balance.
Credits
BM-i Credits are contractual units for using eligible features such as AI images, video, voice and 4K exports. They are not currency, deposits, securities, stored value or property; they have no cash value, earn no interest, and cannot be redeemed for money, resold or transferred except where we expressly allow it.
- Monthly plan credits are added at the start of each billing period and expire at renewal. They do not roll over.
- Top-up credits you buy separately do not expire while your account remains open.
- Order of use: monthly plan credits are used first, then top-up credits.
- Cancellation or downgrade: plan credits remain usable until the end of the paid period. Top-up credits remain while the account is open. When an account is closed or deleted, remaining credits end.
- Promotional or earned credits (for example referral or review rewards) follow the terms shown when they are given and may be withheld for abuse.
- Taxes on purchases are shown at checkout.
Before you confirm a generation or scheduled run, the Service shows the estimated credits when they can reasonably be predicted. The actual cost may differ with the options you choose, such as duration, resolution or retries, but you will see a maximum, a confirmation step, or the rule that applies. We may change future credit prices with notice; changes do not alter completed purchases.
No credits are charged when a request fails because we never submit or process it. If a generation fails without usable output because of a provider or system failure, the credits are returned automatically. Credits are not refunded simply because you dislike a completed result; adjust your request and try again. We investigate and correct duplicate charges, unauthorized use and material technical failures.
Abuse, chargeback fraud, automated exploitation, account farming or getting around limits may lead to withheld promotional credits, suspension or termination.
Refunds
Refunds go back to the original payment method through the payment provider you used, usually within 5–10 business days of approval.
- First subscription. If you are a new customer and ask within 7 days of your first paid subscription (14 days for an annual plan), we refund it in full, provided fewer than 100 BM-i Credits have been used. This applies once per customer.
- Accidental renewal. If a renewal is charged and you contact us within 7 days without having used the Service in the new period, we refund it.
- Cancellation and downgrades. Partial periods and the difference on a downgrade are not refunded; you keep access until the paid period ends.
- Top-up packs. An unused top-up pack can be refunded in full within 14 days of purchase if no credits from it have been used.
- Failed generations are returned to your credit balance automatically. Completed generations are not refundable.
- Service problems. If a fault on our side stops you using paid features for a significant part of a billing period, contact us and we will refund or credit a fair share of that period.
- Consumer rights. Nothing here limits refund or withdrawal rights that mandatory consumer law gives you where you live.
To request a refund, email support@bm-i-suite.com from the address on your account with your workspace name and the receipt or order number. We reply within 3 business days.