1. What These Terms Cover
These Credit Terms govern buying, receiving, and using visayes credits. They are part of our Terms of Service, and words defined there mean the same here. You need an account, and you must be at least 18 (Terms of Service, section 6). If you do not agree, do not buy credits.
2. What a Credit Is
A credit is prepaid access to one use of the Service: one traveler, one country, one official government entry form. Two travelers entering the same country need two credits; one traveler entering two countries needs two. You choose the country when you use a credit, not when you buy it.
A credit buys the filling in, never the submitting: you submit the entry form yourself, on the official government website.
A credit is a limited, personal license to use the Service once — not money, property, a deposit, a gift certificate, or a payment instrument.
3. Price and Price Changes
As of the effective date above:
- 1 credit: USD$5.99
- 2 or more credits in one purchase: USD$4.99 per credit, for the whole purchase
All prices are in US dollars, and each checkout is one purchase. The price at checkout governs; prices shown elsewhere are for information. If an obvious pricing error is displayed, we may cancel the purchase and refund you in full rather than honor it.
We may change prices at any time — raise, lower, add or end tiers, plans, and promotions. A change never touches credits you already bought: no extra charge, no bonus credits, no repricing. Refunds are always based on what you paid for that purchase, never on the current price, whichever way it moved; a later lower price is not a reason to refund the difference. Promotions may carry their own conditions, stated when we offer them.
The official entry forms are free on the government websites; you pay us for the tooling.
4. Payment
Payments are handled by Stripe, and we accept payment cards only. You are charged in full at checkout, and credits reach your balance once Stripe confirms the payment. Your bank may add a conversion rate or a foreign-transaction fee — that is between you and your bank, and a refund returns the US dollar amount we charged.
5. When a Credit Is Charged
A credit is charged at the moment the official government site confirms it has your submission — Terms of Service, section 8, is the controlling statement of this. Before that moment, no credit is charged. After it, the credit is used, and what the authorities decide does not return it.
6. Credits Never Expire
Credits you buy do not expire — no time limit, no dormancy fee. They stay in your balance until you use them, refund them, or close your account. The window in section 8 limits when you can get money back, not how long a credit lasts. Free credits are different; see section 9.
7. No Cash Value, No Transfer, No Resale
Credits have no cash value and cannot be exchanged for money, except as a refund under section 8 or 11. They belong to one account and cannot be transferred, gifted, sold, or shared. You may use your own credits for people traveling with you (Terms of Service, section 7), but not to resell them or run a paid form-filling service.
8. Refunds
Unused credits: 14 days. Email [email protected] within 14 days of the day you paid, and we refund the credits from that purchase you have not used, at the price you paid, to the payment method you paid with and to no one else. No fee, and no reason needed.
Part-used purchases. We refund the rest of that purchase at its own unit price: 3 credits bought at USD$4.99 with 1 used refunds 2 × USD$4.99. We do not reprice the credit you kept. Free credits are spent first, then bought credits, oldest purchase first.
After 14 days, unused credits stay in your balance and still never expire, but are no longer refundable in money — except where the law requires it, and except on closure (section 11). Used credits are never refundable; a credit is used at the moment in section 5.
Payment-system errors and our own bugs are refunded whatever those 14 days say; email us within 60 days of the charge (Terms of Service, section 8).
How long we take. We deal with refund and closure requests within 14 days of receiving them; your bank may take longer to show the money.
Abuse and chargebacks. We may refuse, limit, or delay a refund where we reasonably suspect fraud or misuse — repeated buy-and-refund cycles, for example — and we tell you why. If you ask your card issuer to reverse a charge before contacting us, we may suspend your account and its credits until the dispute is settled.
Right of withdrawal. EU and UK consumers have 14 days to withdraw from a distance contract. The refund above runs from the day you paid and covers every unused credit, so it meets that right in full. Credits you have used are not covered, because that service is complete.
9. Free Credits
We sometimes give credits away — for example, the credit a new account receives on signup. A free credit is a marketing incentive, not something you bought: no cash value, never refunded in money, not applied against tax, not transferable.
Free credits expire. We decide how long they last, and may change that period, shorten it, or withdraw free credits at any time without notice. Expired or withdrawn free credits are forfeited, not replaced or refunded. We may refuse or cancel free credits where we reasonably suspect fraud or misuse. Void where prohibited by law.
10. Taxes
Prices do not include sales tax, VAT, GST, or similar taxes. Where we are required to collect one, we add it at checkout and show it before you pay. Any other tax that applies to you is yours. Free credits are not applied against tax.
11. Closing Your Account
Email [email protected] to close your account. We refund every credit you bought and have not used — the 14-day window does not apply here — then delete your credits, your saved information, and the account. Free credits end with the account. We do this within 14 days of your request, and closing is permanent.
If we terminate your account for breaking these terms or the Terms of Service, we refund unused credits you paid for, apart from any we reasonably believe were obtained through the breach.
12. Changes to These Terms
We may update these Credit Terms. Material changes are notified as described in the Terms of Service, section 18, and never apply retroactively to credits you have already bought. If you do not accept a change, stop buying credits and ask for a refund of any purchase still inside its 14 days. The effective date above always reflects the current version.
13. Your Rights, and Which Terms Win
Nothing here reduces mandatory consumer rights where you live — including under the EU Consumer Rights Directive, the UK Consumer Rights Act 2015 and Consumer Contracts Regulations 2013, US state law on prepaid balances, and the Australian Consumer Law. Where such a law gives more than these terms, it applies.
These Credit Terms sit inside the Terms of Service, which govern everything else, including liability, governing law, and disputes. On a question about credits the two cannot answer together, the Terms of Service control.
14. Contact
Refunds, closures, prices, or a charge: [email protected]