Refund Policy

This Refund Policy explains when payments to Creovate LLC ("Creovate," "we," "us") for the Creo.io platform are refundable. It is part of, and should be read together with, our Terms of Service. It applies to customers everywhere Creo.io is sold, with additional rights for EU, EEA, and UK consumers noted in Section 8.

1. Payment Processing

All payments are processed by Stripe, Inc., our third-party payment processor. Creovate does not store your full card details. Refunds, when approved, are returned to the original payment method through Stripe and may take 5–10 business days to appear on your statement, depending on your bank or card issuer.

2. Subscription Plans — General Refund Window

New subscriptions to the Starter, Growth, or Pro plan may be refunded in full if you request the refund within seven (7) days of your initial purchase and have not used any of the AI tools included in that plan (Copy Generator, Video & Image Generator, Logo Generator, Website Builder, or Creator Marketplace). Once a tool has been used to generate content, or once seven days have passed, that billing cycle is non-refundable.

This window applies once per customer, to your first paid subscription. It does not reset with each monthly renewal.

3. Renewals and Cancellation

Subscriptions renew automatically each billing period until cancelled. You can cancel anytime from your account dashboard, and cancellation takes effect at the end of your current paid period — you keep access until then, with no partial refund for the unused remainder of that period. To avoid being charged for the next cycle, cancel before your renewal date.

4. Plan Upgrades

When you upgrade from Starter to Growth, or Growth to Pro, mid-cycle, we charge a prorated amount for the remainder of your current billing period at checkout. That prorated upgrade charge is refundable within seven (7) days if you haven't used any tool unlocked by the upgrade. It is not refundable once you've generated content with a tool the upgrade unlocked, or after seven days, whichever comes first.

Downgrades take effect at the start of your next billing period and are not refunded for the difference in the current period.

5. Add-Ons (Creo Lead Gen Center)

The Creo Lead Gen Center add-on follows the same seven-day, unused-only refund window as a new subscription. Once a campaign brief has been submitted through the add-on, that billing period is non-refundable, since ad-platform planning work has already begun on your behalf. Lead Gen Center is included at no extra charge on the Pro plan and isn't sold separately to Pro subscribers.

6. AI Tool Usage

Each plan includes a set monthly usage allowance per AI tool. Usage allowances reset each billing period and don't carry over, and unused usage has no cash value. Because generation happens the moment you use a tool, any billing period where a tool has been used is treated as "used" for refund purposes under Sections 2 and 4 above, regardless of how much of that period's allowance remains.

7. Non-Refundable Items

• Any billing period, plan, or add-on after its refund window (Sections 2, 4, or 5) has closed.
• Any AI tool that has already been used to generate content in that billing period.
• Custom Agency plan engagements, which are billed and refunded per the terms of your individual agreement with us.
• Fees or charges from your bank or card issuer, which are outside our control.

8. Customers in the EU, EEA, and UK

If you're a consumer in the European Union, European Economic Area, or United Kingdom, you have a statutory right to withdraw from an online purchase within fourteen (14) days without giving a reason, in addition to the rights described above. Because Creo.io's tools begin working the moment you use them, this withdrawal right ends early — at the point you first use an AI tool or submit a Lead Gen Center brief — if you expressly asked us to begin and acknowledged that doing so ends your withdrawal right, which you confirm at checkout. Nothing in this section limits any other consumer right you have under the law of your country of residence.

9. Taxes

Where sales tax, VAT, or a similar tax was charged on a purchase, an approved refund includes the tax portion attributable to the refunded amount.

10. How to Request a Refund

Email us at support@createwithcreo.com with your account email and the plan or add-on you're requesting a refund for. We'll confirm eligibility under this policy and let you know the outcome within 5 business days. Filing a chargeback with your bank before contacting us may delay a resolution and can result in your account being suspended while the dispute is reviewed.

11. Changes to This Policy

We may update this policy as Creo.io's plans and features change. Changes apply to purchases made after the updated policy is posted; the policy in effect at the time of your purchase governs that purchase.

12. Governing Law

Creovate LLC is a limited liability company registered in the State of Florida, United States. This policy, and any dispute arising from it, is governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Nothing in this section limits any statutory right you have as a consumer under the law of your own country of residence, including those described in Section 8.

13. Contact

For questions about this policy, contact us at support@createwithcreo.com.