This policy explains how KortexHQ memberships, credits and one-time Top Offs are proposed to work, how to cancel, and how refund requests are handled. It works together with our Terms of Service; on payment matters, this policy controls.
1. Today: invited early access, no live payments
KortexHQ is not taking live payments. AI features are currently available only to invited early-access members, whose starter credits are sponsored — no card is needed and nothing renews. Any checkout you may see is a test environment that does not charge real money. The sections below describe the proposed paid launch; they apply only once paid plans are actually offered and you choose to buy.
2. Proposed prices
- KortexHQ membership: US $9.95 per month, including 2,000 Kortex credits each paid month.
- Top Offs (one-time, never recurring): Small — $4.95 for 1,000 credits; Medium — $9.95 for 2,500 credits; Large — $19.95 for 5,500 credits.
Prices are in US dollars. Any applicable tax is shown at checkout before you pay. Price changes apply only going forward, with notice before your next renewal.
3. What credits are
A Kortex credit is a unit for measuring use of AI features. It is not a model token, cash, currency, a gift card, a security or anything that can be redeemed for money. Internally, one credit corresponds to US $0.001 of provider cost at our recorded rates; this explains how we measure, not a cash value or a promise about our margins.
Different features and models cost different amounts, and rates are versioned and may change going forward. Because each request is different, we can't promise a fixed number of messages or images per month, and there is no “unlimited” plan.
How a request is charged
Before a request runs, we reserve a bounded maximum. After it finishes, we charge the measured usage and return the unused part of the reservation. If a provider did partial work before a failure, that partial work may use credits. If we can't tell what a provider charged, the reservation is held for review rather than guessed. A failure while saving a result never causes the AI request to be run, and charged, a second time.
4. Monthly and purchased credits
- Monthly membership credits are used first and expire at the end of each paid period.
- Purchased Top Off credits carry over from month to month. An active paid membership is needed to spend them.
- Cancelling does not delete purchased credits, and running out of credits never blocks you from viewing, copying or downloading work you've already saved.
- We never buy a Top Off for you automatically, and no pack is pre-selected.
- The free first creation in Prompt Village does not need a card and does not enroll you in anything.
5. Renewal
A membership renews automatically only if you choose a paid membership at checkout. Before you pay, checkout shows the price, that it renews monthly until you cancel, your next billing date and any tax. We will not charge you for a membership without your express agreement at checkout.
6. How to cancel
You can cancel at any time before your next billing date. Use “Manage card or cancel” on the Billing page, which opens our payment processor's secure billing portal. If that button is unavailable — for example while checkout is paused — or isn't working for you, email team@aimasterminds.com and we will cancel it for you; no reason is needed.
Cancellation stops future renewals. You keep membership access and that period's monthly credits until the paid period ends. Deleting your account is not a substitute for cancelling — but if you ask us to delete your account, we will make sure any membership is cancelled first.
7. Refund requests
Email team@aimasterminds.com with your account email, the charge date, the order or invoice ID if you have it, the amount and a short reason. Never send your password or full card details. A person reviews every request.
- We correct duplicate, unauthorized or mistaken charges.
- We review requests involving a charge for something that failed or wasn't delivered, and requests about unused purchased credits, and respond with our decision and reasons.
- Cancelling does not automatically refund time or credits already used.
- Where you have a legal right to a refund or to withdraw from a purchase, that right applies regardless of this policy.
If a refund or a payment reversal is made, the related credits are adjusted to match — for example, credits from a refunded Top Off are removed to the extent they haven't been used.
8. If we change or stop the service
If we discontinue KortexHQ, or make a change that substantially reduces what prepaid credits can be used for, we will give notice and consider a fair remedy for unusable prepaid balances, such as a pro-rated refund, as the law requires. We will not simply confiscate a paid balance.
9. Billing questions
Email team@aimasterminds.com. See also Data Rights & Deletion for account closure.