Billing & Payment Policy

Effective Date: 22 June 2025

1. General Payment Information

Payment Processor

We rely exclusively on Stripe to handle subscription fees and related charges. You may be required to accept Stripe’s own terms and policies in addition to ours.

Accepted Currencies

Stripe supports multiple currencies, but payments are generally converted into Swiss francs (CHF). The exact currency and conversion rate depend on Stripe and your chosen payment method.

Tax / VAT

We currently do not explicitly charge or display VAT or other taxes. If this changes, applicable taxes will be shown at checkout or on invoices.
Users are responsible for understanding and remitting any local or national taxes that may apply.

2. Subscription Structure

Subscription Tiers

We offer Free and Essential tiers. For customised plans (e.g., higher limits or special features), contact us to discuss an Enterprise contract.
Pricing and limits for each tier are detailed on our website or in your account dashboard.

Billing Cycle

Subscriptions can be monthly or yearly, as selected during signup.

Automatic Renewal

All plans renew automatically at the end of each billing cycle (monthly or yearly). To avoid renewal charges, cancel your subscription before the renewal date (see Terms of Service).

3. Payment Timing & Methods

Upfront Billing

Subscription fees are billed at the start of each billing cycle. If you join mid-cycle, we may prorate your first invoice at our discretion, depending on Stripe’s settings.

Payment Method Storage

Stripe securely stores your payment details. We do not process or retain full card data; we use tokens or references provided by Stripe.

Failed Payments

If a payment fails, you have 14 days to resolve the issue by updating your payment method or ensuring sufficient funds. After that, your subscription may be cancelled or downgraded to limited access, as described in the Terms.

4. Trial Periods & Discounts

Free & Sandbox Plans

  • Free Tier and Sandbox Environment are for testing only and not suitable for production.
  • Specific limitations (e.g., data retention, feature availability) apply and are listed on our website.

Promotional Discounts

Discount codes or promotional pricing are rare. If offered, all conditions (expiry, usage limits) will be communicated via email.

5. Overages & Additional Charges

Overage Policy

Exceeding plan limits (e.g., storage or requests) allows a 10 % margin to prevent immediate interruption. Beyond that, usage may be restricted.
Upgrade in advance if you expect to exceed your limits.

Threshold Warnings

We send an 80 % usage warning when you approach your limit, but you remain responsible for monitoring usage and upgrading when necessary.

6. Refunds & Cancellations

  • Refund Window: You may request a full refund within 24 hours of purchase if the Service has not been used.
  • Partial Refunds: Possible at our discretion if less than half the billing period has elapsed and usage is limited.
  • No Refund: After half the cycle or if your account is terminated for Terms violations.
    Cancel via the dashboard before the next cycle to stop further charges.

7. Price Changes

Notification Period

We provide at least 30 days’ notice before any price change via email, in-platform message, or website announcement.

User Acknowledgment

Continuing to use the Service after the new rates take effect constitutes acceptance. If you disagree, cancel before the change applies.

8. Billing Disputes

Dispute Resolution

For billing concerns, email mark@0am.ch. We will review your claim following the procedures in the Terms.

Chargebacks

Stripe handles chargebacks. Repeated or unfounded chargebacks may result in account suspension or termination.

9. Invoices & Receipts

Provision of Invoices

Invoices or receipts are emailed automatically and are downloadable from your dashboard when possible.

Record Retention

Invoices remain accessible while your account is active. After closure, we may retain historical records for legal or audit purposes, though they may no longer be downloadable.

10. Other Special Conditions

Enterprise Contracts

Separate or custom billing terms may be negotiated for enterprise clients or partners; such terms override this Policy where conflicting.

Currency Conversion Fees

We request payment in CHF or another Stripe-supported currency and allow Stripe to handle conversion. Any fees / rate differences are determined by Stripe or your payment provider.

11. Contact & Policy Updates

Contact for Billing Queries

Email: mark@0am.ch

Policy Updates

We may update this Policy periodically. Significant changes will be announced via email or a prominent website notice, consistent with the Terms.


This Billing & Payment Policy forms an integral part of the Terms of Service. In any conflict between the Terms and this Policy, the Terms prevail.
By subscribing to or paying for the Service, you acknowledge you have read and understood this Policy.

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