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.