Payment and Refund Policy

1. Credit packages and prices

Each credit opens one full reading. Credit packages and prices are listed on the Buy credits page. The displayed price is the final amount you pay, with no other fees added.

Credits do not expire, are tied to the account that bought them, cannot be transferred and cannot be exchanged for cash, except for the refunds described in section 5.

2. Discounts

• Premium members: customers whose total payments reach 500,000 VND or more get 8% off every package, every day. The total counts paid orders minus amounts refunded or awaiting refund.
• The weekend discount ended on 13 November 2026. Orders created before then keep the price recorded on the order.

The discount is fixed when the order is created and recorded on the order (list price, percentage and reason). The amount to transfer is the discounted price, rounded to the nearest 100 VND. An order created before you reach Premium is not discounted afterwards; an order created at a discounted price keeps that price even if it is paid late.

Refunds (section 5) are calculated on the price you actually paid after the discount. If a refund brings your total below 500,000 VND, Premium no longer applies to later orders.

Discount programmes may change or end. Changes are announced on the Buy credits page and do not affect orders already created.

3. How to pay

• Choose a package. The page shows a QR code, account number, amount and a transfer message containing the order code (starting with KD).
• Transfer the exact amount and keep the message unchanged. Each order is valid for 15 minutes.
• When the bank reports that the money has arrived, the system adds the credits automatically, usually within 1 minute. The Buy credits page tells you when it is done.

We never ask for your password, OTP code or card number.

4. Wrong amount, wrong message or expired order

If the order code and amount are correct, credits are still added automatically, even after the 15 minutes have passed. If you transfer too little or too much, or forget the order code, the transaction goes to manual review. Please send a request through the Contact page, with the time of the transfer, the amount and a screenshot of the transaction. We will add the matching credits or refund you within 7 working days.

5. Credit refunds and money refunds

• System error (AI failure, no reading returned): the credit is refunded automatically and immediately, and you do not need to do anything.
• A paid reading that is missing parts, is in the wrong language or is not as described: contact us to have the credit refunded.
• Unused credits: within 7 days of the purchase date, you can request a refund of 50% of the value of the credits left from that purchase, based on the price paid (for example, buy 10, use 4, and 50% of the value of the remaining 6 is refunded). After 7 days there are no refunds. Request it on the Account page.
• When you delete your account yourself: the same rule applies. Remaining credits bought within 7 days can be refunded at 50% at the deletion step; other credits are lost.
• Credits already used for a complete reading: no money refund, because the digital content has been fully provided.
• Account locked for fraud or violation of the Terms: unused credits are not refunded.

Refunds are sent to the bank account that made the payment, within 7 working days after the request is confirmed.

6. Receipts

Each order has its own code. If you need confirmation of payment or a receipt, please contact us with the order code.

7. Complaints

Send any complaint about payment through the Contact page. The response and resolution times are stated on that page.