Credit Policy

This Credit Policy explains purchases, use, gifts, transfers, cancellations, refunds, and corrections for David AI credits. Global Consultants, LLC, California, United States (the “Company,” “we,” or “us”) provides the Services. Questions and billing requests: support@davidghiyam.com.

This policy forms part of our Terms of Service at /terms. Our Privacy Policy at /privacy and SMS & Messaging Policy at /sms-policy also apply. Read the specific offer and order summary before paying. The offer identifies the product, price, currency, quantity, applicable taxes, any renewal, and any additional conditions. A specific purchase promise and mandatory consumer rights take precedence over a conflicting general provision here. Nothing in this policy excludes a right or remedy that cannot lawfully be excluded.

1. WHAT YOU ARE PURCHASING

Credits are prepaid units that can be used for eligible David AI experiences. They are not a deposit, investment, cryptocurrency, or promise of a financial return. They have no cash redemption value except where required by law or an applicable refund right. Calling value “credits” does not remove any consumer, gift-certificate, stored-value, or other protection that applies to it.

A credit purchase does not include a membership, course, human consultation, or separately priced product unless the offer says it does. A one-time course purchase and its stated access terms remain separate from a recurring membership. AI experiences provide educational and reflective guidance; purchasing credits does not guarantee a particular personal, spiritual, medical, financial, or other outcome.

2. PRICES, ORDERS, AND PAYMENT

The offer and payment form show the purchase amount, currency, applicable taxes, and whether payment is one time or recurring before you authorize payment. The credit quantity, any included bonus, and eligibility conditions are stated with the offer. Illustrations of possible usage are estimates; different experiences can use different credit amounts. Credits are not a fixed exchange rate or a promise that every experience costs the same amount.

Only place an order using a payment method you are authorized to use. You can enter an email and pay without signing in. The email identifies the intended purchase account; it does not verify account ownership or authorize access to that account, its saved payment methods, or its private information. Signing in or otherwise verifying account ownership may be necessary to access or manage a purchase after payment. Payment providers may require their own wallet verification or payment authentication.

An order is fulfilled after the payment provider confirms successful payment and applicable security and eligibility checks are satisfied. A pending bank authorization, open payment form, or return to a confirmation page is not proof of settled payment or delivery. An unsuccessful payment does not authorize a second charge. Check the receipt or contact support before submitting another order if the outcome is uncertain.

Buying a credit pack is a one-time payment. It does not start a subscription, enable automatic top-ups, or authorize future payments. We do not sell credits merely because a balance is low, a request fails, an account is moved between systems, or you sign in again. Transferring account or purchase records does not authorize a new payment or change an existing purchase agreement.

3. WHEN CREDITS ARE USED

Review the displayed credit cost before starting an eligible paid experience. We charge message credits for delivered David AI replies, not for messages you send. A billable reply is not a user-and-David exchange. Carrier splitting of one SMS reply into transport segments does not multiply that reply’s David AI credit cost. Your carrier may separately charge for messages or data.

Voice is measured using actual session time and the applicable displayed rate. Where the rate is per minute, time is calculated in seconds and the final charge is rounded up to a whole credit. A temporary reservation can hold credits for a session budget; unused reserved credits are released after settlement. A reservation is not a cash payment or an additional credit purchase.

Newly completed generated audio, meditations, readings, and similar experiences use their displayed rate. Reopening the same previously unlocked experience does not create a new generation charge. A new request, different reading, or requested regeneration may have its own disclosed cost. Basic privacy and account controls, SMS linking, HELP, and STOP do not use message credits. Course access follows the relevant purchase or membership entitlement.

We do not intentionally deduct message credits for an undelivered reply or generation credits for work that could not be completed. An uncertain or interrupted request may remain reserved or under review until the result can be verified. Confirmed failed work is released or corrected. Repeating an uncertain request can create a different request, so check its recorded outcome first.

4. PURCHASED VALUE AND EXPIRATION

Purchased credits, including bonus credits included in the stated total of a paid pack, do not expire. Purchased gift packs follow the same rule. We do not impose inactivity or dormant-account fees on that purchased value. Ending a membership does not itself expire separately purchased credits.

Membership allowances, trial credits, referral rewards, sponsored credits, and other genuinely free promotional grants are different from purchased packs. Their offer must disclose eligibility, usage restrictions, reset, rollover, and any expiration. Current monthly membership allowances roll over for one additional monthly cycle. An annual membership that provides a monthly allowance does not provide the entire year’s allowance at once. A later policy change does not retroactively impose expiration on previously non-expiring purchased value.

Different grants can have different source and expiry rules. Transfers do not convert a monthly or promotional allowance into permanent purchased value or extend its disclosed life. The account’s actual grant and transaction records determine which credits remain available; we do not infer that an unavailable or expiring balance has been fully spent.

5. MEMBERSHIPS AND OPTIONAL AUTOMATIC TOP-UPS

A recurring offer must clearly state its price, billing frequency, renewal terms, and cancellation method before you agree. A recurring payment requires your affirmative authorization. Agreement to this general policy, buying a pack, or using the app alone is not authorization to start a subscription or automatic top-ups. Any trial-to-paid conversion requires the disclosures and consent that apply to that offer.

A membership renews at the disclosed interval until canceled. Cancel through the billing controls in your account, the original purchase platform where applicable, or by contacting support@davidghiyam.com. You can request cancellation without making another purchase. Cancellation normally stops the next renewal and leaves access available through the current paid period, subject to mandatory withdrawal rights and any different purchase promise. A cancellation confirmation states the effective date. Stopping SMS does not cancel a membership.

Automatic top-ups are separate from membership renewal and start off. If offered, you must separately enable them after reviewing the trigger balance, amount and credit quantity per payment, and spending limit. Turn them off in billing or contact support. Turning them off stops future top-ups; a payment already submitted may still complete. We will give required notices and obtain any required consent before material recurring-price or billing changes. Silence or continued app use does not replace consent where the law requires it.

6. GIFTS, TRANSFERS, AND REFERRALS

Available sharing options may include an invitation funded from an eligible existing balance, a direct transfer to another verified account, or a newly purchased gift pack. A paid gift is a separate purchase. A transfer or gift from an existing balance is not a new cash charge. Review the recipient, amount, source restrictions, claim deadline, and fulfillment conditions before confirming.

An existing-balance gift invitation is not a reservation or a completed transfer. Where the offer requires the friend’s first successful conversation, fulfillment occurs only after that condition and the sender’s balance and eligibility are verified. Purchased gift invitations can have that same disclosed conversation requirement. Direct transfers to existing verified accounts do not require that conversation. A signup, opened link, failed response, or success animation does not establish completed delivery.

Completed redemption requires both the sender’s recorded deduction and the matching recipient grant. A deduction awaiting a matching grant is pending delivery. Checking a status or recording redemption does not authorize another deduction. A completed transfer or redeemed gift generally cannot be recalled at the sender’s convenience; contact support promptly about mistakes or suspected unauthorized activity. Mandatory rights remain available.

A gift invitation’s claim deadline is separate from the underlying credit value. Expiration, cancellation, or replacement of a paid gift’s invitation does not by itself expire or forfeit its unused purchased value. Contact support for available reissue or other applicable remedies. Canceling an invitation does not automatically refund a payment. Replacement links cannot provide a second claim to the same value.

Referral and sponsored offers have their own disclosed eligibility and funding conditions. Self-referrals, duplicate claims, reward farming, and attempts to turn existing accounts into new-customer claims do not qualify. No referral reward is promised merely for signing up or making a purchase unless that is the specific offer. Credits and invitations may not be resold or exchanged for money outside an expressly authorized program or applicable legal right.

7. RECEIPTS, RECORDS, AND PRIVACY

Your purchase receipt, credit activity, and sharing status help distinguish payment, delivery, use, reservation, release, and correction. Records still being checked are not treated as a verified zero balance or completed delivery. Contact support for an older receipt or a discrepancy, using the transaction or activity reference where available.

We and our payment and billing providers retain records reasonably needed to process orders, establish the terms presented and accepted, confirm payment and delivery, manage renewals, investigate fraud and disputes, and meet legal obligations, as described in the Privacy Policy. These can include purchase and account references, the offer and policy version, consent time, payment status, and delivery or usage events. They are not a guarantee of identity, delivery, or a favorable dispute outcome by themselves.

A sender may see the gift amount and claim or delivery status. A gift does not give the sender access to the recipient’s conversations, Soul Profile, payment methods, private activity, or unrelated balances. Do not send passwords, full card details, or private reading or conversation text with a billing request. We do not need that private content to establish an ordinary payment or credit-delivery record.

8. REFUNDS, WITHDRAWAL, AND BILLING CORRECTIONS

Except where law, the accepted offer, or an express written commitment provides otherwise, delivered digital purchases and consumed credits are final. A change of mind, cancellation of a membership, non-use, or dissatisfaction with subjective guidance does not by itself create an additional contractual refund promise. This provision does not override a statutory withdrawal period, a right concerning defective or misdescribed services, an unauthorized payment, or any other mandatory remedy.

Some jurisdictions provide a time-limited right to withdraw from an online contract, often fourteen days. Whether that right applies, when it starts, and any lawful charge for services expressly requested and supplied during that period depend on the purchase and applicable law. Where a valid digital-content exception is available, it requires the legally necessary separate express consent, acknowledgment, and confirmation. Merely agreeing to these terms, opening an account, receiving credits, or using part of the Services does not automatically waive a withdrawal right for the whole purchase or remaining unused value. We do not treat prepaid credits as exempt from withdrawal rights solely because they are delivered electronically.

To request a refund, withdraw from an eligible contract, cancel a renewal, or report a payment error, use the purchase-help form on this page or contact support@davidghiyam.com with the purchase email, approximate date, and receipt or order reference if available. State the action you want; no special wording is required. You do not need to sign in to send a request. We may reasonably verify the purchase before releasing funds or disclosing account details. Applicable legal deadlines and remedies control. Contacting support does not suspend a deadline imposed by your bank or the law.

We investigate duplicate or unauthorized payments, charged-but-undelivered purchases, incorrect credit deductions, and other reported discrepancies against the actual records. A credit correction and a cash refund are different remedies. An investigation does not promise a discretionary refund, replacement award, or a particular processing time. Where law requires cash redemption of eligible purchased value, we will honor that requirement; a general no-cash provision does not override it.

A required or approved cash refund normally returns to the original payment method, subject to applicable law and provider rules. Any lawful partial refund is based on the attributable amount actually paid and the applicable entitlement, not a fictional cash value for free bonus units. Credits and access attributable to a refunded or reversed purchase may be adjusted to prevent double use. We do not remove unrelated purchased value as a penalty. Another platform’s applicable refund process may govern its own sales, without limiting mandatory consumer rights.

9. PAYMENT DISPUTES AND SECURITY

Please contact support if a charge or delivery looks wrong so we can investigate promptly. This request is not a condition on your right to contact your payment provider, dispute an unauthorized or incorrect charge, seek a statutory remedy, or report concerns to a regulator. You are not required to withdraw a bank dispute to request help. We do not impose a penalty merely because you exercise a lawful dispute right.

We may provide relevant purchase terms, consent, payment, delivery, and usage records to a payment provider to respond to a dispute, subject to the Privacy Policy and applicable law. We will not knowingly represent a pending payment as settled or a failed delivery as completed. A refund or reversal cannot be recovered twice, and the same refunded credits cannot remain available for reuse.

Reasonable fraud, account-security, sanctions, eligibility, and recipient-verification checks may delay or restrict an order or transfer. A hold is not another payment or automatic forfeiture of unrelated purchased value. We may restrict abusive or unlawful activity under the Terms, while preserving rights and remedies required by law. A low balance does not authorize use of another person’s saved card or account credit.

10. CHANGES AND CONTACT

Material changes apply prospectively, with notice and consent where required. They do not authorize a new charge, rewrite an earlier purchase promise, or retroactively expire permanent purchased value. The offer and rates disclosed for a new purchase or experience apply to that transaction, subject to applicable law.

Support and billing requests: support@davidghiyam.com. Legal questions: legal@davidghiyam.com. Privacy requests: privacy@davidghiyam.com. Provider: Global Consultants, LLC, California, United States. Effective October 16, 2026.