Billing, Credits and Refund Policy

Version v1 · Effective 26 October 2026 · Last updated 26 October 2026

This Billing, Credits and Refund Policy explains how Smartsteps Plans are purchased, how Credits work, and when refunds are available. It forms part of the Terms of Service. Capitalised terms have the meanings given in the Terms.

1. Plans

1.1 Smartsteps is offered under Plans described in the Service at the time of purchase. A Plan may be:

• a one-time purchase, such as a single scan, which adds Credits to the Workspace for the current period; or
• a subscription, billed monthly or yearly in advance.

1.2 The features, Credit allowance, monitoring and price of each Plan are those shown in the Service when the Customer purchases it. Monthly re-checks and law-change monitoring are available only on paid Plans that include them.

1.3 Plans are purchased for a Workspace by a User with billing permission for that Workspace.

2. Payment

2.1 Stripe. Payments are processed by Stripe, Inc. When the Customer pays or manages a subscription, it is taken to checkout and billing-portal pages hosted by Stripe. Stripe collects and stores payment card details. Smartsteps never sees or stores full card numbers. Stripe's own terms and privacy policy apply to the information it collects.

2.2 Prices and taxes. Prices are shown in the currency displayed at checkout. Unless stated otherwise at checkout or in an Order, prices are exclusive of taxes, duties and similar charges, which the Customer is responsible for paying, other than taxes on Nomisma's net income.

2.3 Promotion codes. Where Nomisma offers a promotion code, it applies only on the terms stated with it, cannot be exchanged for cash, and may be withdrawn at any time before it is redeemed.

2.4 Invoices and receipts. Receipts and invoices are issued through Stripe and are available in the billing portal or by email.

3. Subscriptions and Renewal

3.1 Automatic renewal. A subscription renews automatically at the end of each monthly or yearly period, and the payment method on file is charged the then-current price for the Plan, until the subscription is cancelled.

3.2 Plan changes. A Customer with an active subscription changes Plan in the billing portal. Changes take effect as shown in the billing portal at the time of the change.

3.3 Price and other material changes. Nomisma may change the price or other material terms of a subscription by sending an email to the Customer's billing contact at least seven (7) days and no more than thirty (30) days before the change takes effect (for yearly plans, before the renewal at which the new terms first apply). The email describes the change clearly, states the new price and the date it applies (for a price change), and explains how to cancel: online in Smartsteps under Plan & billing, then "Manage billing, invoices and cancellation", or by emailing info@nomisma.ai. A Customer that does not accept the change may cancel before it takes effect and will not be charged under the changed terms.

3.4 Consent, confirmation and reminders. Before a Customer subscribes, the Service shows the automatic-renewal terms (the Plan, the price, the billing interval, that the subscription continues until cancelled, and how to cancel) next to a separate checkbox the Customer must tick to agree to them; Stripe's checkout page repeats them. Nomisma keeps a record of that consent. After subscribing, the Customer receives an email confirming the renewal terms, the cancellation policy and how to cancel. For yearly plans, Nomisma emails a reminder before each renewal; for monthly plans, Nomisma emails a reminder once a year.

3.5 Failed payments. If a payment fails, Nomisma or Stripe may retry it. Nomisma may suspend paid features, including new analyses and monitoring, until payment succeeds, and may end the subscription if payment is not made within a reasonable time.

4. Credits

4.1 Monthly allowance. Each Workspace has a monthly AI Credit allowance determined by its Plan. Credits are consumed when the Service runs AI analyses, such as evaluating obligations, second-opinion review, clause labelling and summaries.

4.2 When Credits run out. When a Workspace's Credits are used up, new analyses stop until the allowance renews or additional Credits are added through a purchase. Nomisma does not charge automatically for usage beyond the allowance.

4.3 No roll-over. Unused Credits do not roll over to the next period. They expire at the end of the period for which they were granted.

4.4 No cash value. Credits have no cash value, are not property of the Customer, cannot be transferred between Workspaces or sold, and are not refundable or exchangeable for money, except where required by law.

4.5 Fair use. Credits must be used in accordance with the Acceptable Use Policy. Credits obtained in breach of it, or through a metering fault, may be withdrawn.

5. Cancellation

5.1 A Customer may cancel a subscription at any time online, in Smartsteps under Plan & billing, then "Manage billing, invoices and cancellation", or by emailing info@nomisma.ai from the account's email address. Cancelling online takes only those steps; Nomisma does not require a call or a retention offer.

5.2 Cancellation takes effect at the end of the current billing period. The Customer keeps access to the paid features of its Plan, and to any remaining Credits for that period, until then. No further renewal charges are made.

5.3 Deleting an account in Settings (Delete my account) cancels, with immediate effect and without a further charge, any active subscription of a Workspace that is deleted with it. If the subscription cannot be cancelled at that moment, nothing is deleted and the Customer is asked to try again or contact us.

6. Refunds

6.1 General rule. Fees are not refundable, and Nomisma does not give partial refunds for unused time in a billing period or for unused Credits, except where required by law or where Nomisma decides, at its discretion, to give a refund.

6.2 One-time scans. A one-time scan is non-refundable once an analysis has started.

6.3 Failed analyses. If an analysis fails because of a fault on Nomisma's side, Nomisma will re-run the analysis or credit the Credits it consumed back to the Workspace. This is the Customer's remedy for a failed analysis. An analysis that cannot be completed because of the Customer Website (for example, the site was unavailable, blocked the crawler, or required a login) or because of the Customer's inputs is not a fault on Nomisma's side.

6.4 Results. Refunds are not available because the Customer disagrees with a finding or a standing score. If the Customer believes a finding is wrong, it can report it as described in the AI Transparency statement.

6.5 Suspension for breach. Fees are not refunded where the Service is suspended or terminated because of the Customer's breach of the Terms of Service or the Acceptable Use Policy, except where required by law.

6.6 Statutory rights. Nothing in this policy limits any right to a refund that cannot be excluded under applicable law.

7. Disputes and Chargebacks

If the Customer believes it has been charged in error, it should contact info@nomisma.ai or use Help in the Service before disputing the charge with its card issuer, so that Nomisma can look into it. Nomisma may suspend a Workspace while a chargeback is pending.

8. Changes

Nomisma may update this policy as described in the Terms of Service. Changes do not affect amounts already paid for a current billing period.

9. Contact

Billing questions: Help in the Service (smartsteps.ai/app, then Help) or info@nomisma.ai. Nomisma LLC, 30 N Gould St, Ste R, Sheridan, Wyoming 82801, United States. Telephone +1 510-565-0510.