Contents
1. What Credits Are — and What They Are Not2. How You Receive Credits3. How Credits Are Spent4. Validity and Expiry5. Failed Generations6. Fair Use7. Purchases, Right of Withdrawal, Refunds8. Changes9. ContactIn this Credit Policy, “Skarina”, “the Platform”, “we”, and “us” mean Aiventor Sp. z o.o., al. Solidarności 117-615, 00-140 Warszawa, Poland (NIP: 7252347037, REGON: 529689160, KRS: 0001128173). This Credit Policy supplements the Skarina Terms of Service. Contact: admin@skarina.io.
1. What Credits Are — and What They Are Not
1.1 Credits are a unit of account for measuring your use of AI generation features on the Platform (course generation, lesson regeneration, edits, translations, and other AI-powered actions). One Credit corresponds to a defined amount of generation capacity as set out in the current price list.
1.2 Credits are not money, electronic money, a currency, a gift card, a voucher, a deposit, or a payment instrument. Credits:
- have no cash value and cannot be exchanged for money, Wallet balance, or Crystals;
- are personal and non-transferable between accounts (except allocation inside a team workspace by its owner, where the plan supports this);
- cannot be used to purchase Courses on the Marketplace, subscriptions, or any goods or services other than AI generation actions;
- can never buy grades, certificates, or course completions.
2. How You Receive Credits
| Source | Rules |
|---|---|
| Subscription allowance | Credited monthly with your plan, in the amount stated on the pricing page |
| Add-on packs | One-time purchases of additional Credits, per the pricing page |
| Welcome and referral bonuses | Granted at our discretion under the promotion’s stated conditions |
| Automatic returns | Credits returned for failed generations (Section 5) |
3. How Credits Are Spent
3.1 Price before action. The Credit cost of every action (which depends on the action type and the AI model tier selected) is displayed before you start the action. Credits are deducted when the action completes.
3.2 Credit Log. Your account contains a full Credit Log showing, for every entry: date and time, action, model tier, Credits deducted or credited, and your balance after the entry. The Credit Log is the record of account activity for billing purposes.
3.3 Consumption is final. A completed generation consumes its Credits. Dissatisfaction with the style or substance of a completed output does not entitle you to a Credit return; edits and regenerations are separate actions with their own displayed cost.
3.4 Order of consumption. Credits are spent in this order: subscription allowance first, then add-on pack Credits, then promotional Credits — so that longer-lived Credits are preserved for you.
4. Validity and Expiry
Expiry terms are stated at the point of purchase and on the pricing page — there are no undisclosed expirations.
| Credit type | Validity |
|---|---|
| Subscription allowance | Refreshes monthly. Unused allowance rolls over up to the limit stated for your plan; allowance and rollover expire when the subscription ends or is downgraded below the plan that granted them |
| Add-on pack Credits | Valid for 12 months from purchase; survive subscription changes |
| Promotional Credits | Validity as stated in the promotion’s conditions |
5. Failed Generations
If a generation fails to complete due to a Platform error, the Credits deducted for it are returned automatically to your balance and the return is recorded in the Credit Log. If you believe a return was missed, contact admin@skarina.io with the Credit Log entry; we respond under the complaints procedure in the Terms of Service (30 days).
6. Fair Use
Daily usage caps per plan are stated on the pricing page and protect the service for everyone. Automated or scripted consumption outside permitted API use, Credit farming through fake referrals, and circumvention of plan limits may result in removal of promotional Credits and account measures under the Terms of Service.
7. Purchases, Right of Withdrawal, Refunds
7.1 Add-on packs. As an EU/EEA consumer you may withdraw from an add-on pack purchase within 14 days without giving reasons. Because Credits become usable immediately at your request, if you have already spent part of the pack when you withdraw, the refund is reduced proportionally to the Credits used. After the 14-day period, add-on packs are non-refundable, without prejudice to your statutory rights (including remedies for non-conforming services).
7.2 Subscription allowance. Subscription Credits are a feature of your subscription; subscription payments, renewals, cancellation, and withdrawal are governed by the Terms of Service. Cancelling a subscription stops future charges; allowance already granted remains usable until the end of the paid period and then expires (Section 4).
7.3 No cash-out. Except for the statutory withdrawal in 7.1, Credits are never converted to money.
8. Changes
We may change Credit prices per action, allowances, and this Credit Policy with at least 15 days’ prior notice (email and/or in-product). Changes do not shorten the validity of add-on packs already purchased. If you do not accept a material change, you may cancel your subscription before it takes effect.
9. Contact
Skarina — admin@skarina.io