Credits Policy

Version v1.0 · Effective date: September 7, 2026

1. Nature of credits (software metering utility)

Credits are digital consumption metering units, not currency. Credits provided by Echo Bridge Information Intelligence Limited represent a limited, non-exclusive, revocable, and non-transferable license to access computational and AI research assistant features on Creator Redd. Credits have no cash value, do not earn interest, are not legal tender, and do not constitute personal property, stored-value currency, or bank deposits.

2. Where credits come from (dual-track system)

3. Consumption order & rates

When an account holds both types of credits, subscription credits are consumed first to ensure your permanent purchased balance is preserved for as long as possible.

The rate of credit consumption per research query depends on the chosen model tier and computational complexity. Active rates are displayed in the workspace and recorded in your recent activity ledger. We reserve the right to reasonably adjust consumption rates to reflect upstream model provider costs, with adjustments reflected in the application interface.

4. Failed requests & single receipt guarantee

5. Balance vs. entitlement

A credit balance alone does not unlock access to the AI research assistant; an active paid subscription is required to initiate research requests. If your subscription ends, your purchased credits remain safely saved on your account and automatically become usable again whenever you resume an active subscription.

6. No transfer, no cash-out & forfeiture

Credits are strictly personal to your account. They cannot be transferred between accounts, pledged, resold, or exchanged for cash or any other asset. If you voluntarily delete your account, or if your account is permanently terminated due to a material breach of our Terms of Service (such as abuse, fraud, or reverse engineering), any unused credit balance is forfeited without compensation.

7. Refunds & support inquiries

Refund eligibility for subscriptions and top-up credits is governed strictly by the Refund Policy. For any questions regarding your credit balance or usage activity, contact our support team directly at support@creatorredd.vip.