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RECURRING BILLING AUTHORIZATION By enrolling, Customer authorizes Company to automatically charge the selected payment method for recurring subscription fees and any approved add-on services under this Agreement. AUTO-RENEWAL Subscription automatically renews each month unless canceled under this Agreement. Billing frequency: Monthly. BILLING DATE Subscription charges will be processed on the same date each billing cycle, beginning on the enrollment date. PRICE CHANGES Company may adjust subscription pricing with at least 30 days' written notice. Continued use of the membership after the effective date constitutes acceptance. FAILED PAYMENTS If a payment fails, Company will retry the charge. Repeated failed payments may result in suspension or cancellation of the membership and forfeiture of unused credits. CANCELLATION Customer may request cancellation at any time via account dashboard or written request. Because credits accrue monthly but may be redeemed in advance of full payment, cancellation only takes effect once the value of any credits already redeemed has been fully paid for. If a Customer has used more credits than they have paid into the membership at the time of the cancellation request, the outstanding balance (calculated at the standard non-member service rate for any credits used beyond what membership payments have covered) must be settled before the membership is closed. Once the balance is settled, cancellation takes effect at the end of the current billing cycle. No partial refunds are issued for the current cycle. REFUNDS Subscription fees are non-refundable except where required by law. Accrued credits expire at the end of the active annual membership period. CHARGEBACKS Customer agrees to contact Company first to attempt resolution before initiating a payment dispute. Fraudulent or abusive chargebacks may result in suspension or termination of service, subject to applicable law. ELECTRONIC CONSENT Customer agrees that checking the subscription consent box and submitting payment constitutes electronic acceptance of this Agreement.