This Refund Policy explains our position on refunds, cancellations, the Free tier, and billing for the Oppermind platform and any related services (the "Service") provided by Oppermind Pty Ltd (ABN 89 689 605 918) ("Oppermind", "we", "us", or "our"). This Refund Policy is incorporated into, and forms part of, our Terms & Conditions (the "Terms"). In the event of any inconsistency between this Refund Policy and Section 4 of the Terms, this Refund Policy applies to the extent of the inconsistency, except where applicable consumer protection law requires otherwise.
The short version. The Service is offered on a no-refund basis: monthly subscription fees are not refundable. You may cancel at any time; if you cancel, you keep access through the end of the current billing period and are not billed for the next month. An ongoing Free tier is available at no cost and with no payment method required, so you can evaluate the Service before paying. Paid subscriptions are charged from the day you subscribe — there is no trial period. Nothing in this Refund Policy excludes, restricts, or modifies any consumer guarantee or other right you have under the Australian Consumer Law or any other consumer protection law that cannot be excluded by agreement (see Section 8).
This Refund Policy applies to all paid subscriptions to the Service, including the "Pro" and "Pro Plus" tiers described in Section 4 of the Terms, and to any other paid offering we make available from time to time. It does not apply to free use of the Service, which is not a paid product and to which no refund question arises.
In this Refund Policy:
Subject to Section 6 (cessation of operations or extended inability to provide the Service) and to Section 8 (Australian Consumer Law) and Section 9 (other jurisdictions), monthly subscription fees paid for the Service are not refundable in whole or in part, including (without limitation):
The Service is provided on an "as is" and "as available" basis as described in Sections 2.3, 12, and 13 of the Terms. We do not offer a satisfaction guarantee, a money-back guarantee, or any cooling-off period; the Free tier described in Section 4 is provided so you can evaluate the Service before paying. Nothing in this Section 2.2 limits the consumer guarantees referenced in Section 8.
If you cancel mid-way through a billing period, you keep access until the end of that period. We do not pro-rate or refund the unused portion of the billing period on cancellation. The only circumstance in which we provide a pro-rata refund is the one described in Section 6 (cessation of operations or extended inability to provide the Service).
You can cancel at any time through your account settings in the Service. Cancellation through your account settings is the fastest and most reliable method. If you cannot access your account settings, you may also request cancellation by emailing enquiry@oppermind.com from the email address associated with your account, with the subject line "Cancel my subscription". Where the email address cannot be verified, we may ask you to confirm your identity before we action the cancellation.
Standard monthly subscriptions are billed in advance one month at a time. We do not offer multi-month or annual prepayments by default. Where we may from time to time offer a longer-term plan, the refund position for that plan will be set out at the point of sale and will reference this Refund Policy.
We do not offer a time-limited free trial of a paid subscription tier. Instead, the Service offers an ongoing Free tier at no cost and with no payment method required, so you can evaluate the Service for as long as you like before deciding to pay.
The Free tier provides access to core AI tools and limited use of image and video generation. It is intended for evaluation rather than production use. Some capabilities — including downloading and exporting your work, and higher usage limits — are available only on a paid tier. Free tier usage limits are not fixed: they are set dynamically and may vary between accounts and over time. We may change, restrict or withdraw the Free tier at any time.
When you subscribe to a paid tier, your nominated payment method is charged at the time of purchase for the first billing period, and monthly thereafter until cancelled. There is no trial period preceding the first charge. Your rights in respect of that charge are set out in Section 6 (cessation), Section 8 (Australian Consumer Law) and Section 9 (other jurisdictions).
The Free tier is intended to be used through a single account per person. Creating multiple accounts to circumvent Free tier usage limits is prohibited by our Acceptable Use Policy and may result in account suspension.
Each paid subscription tier includes a monthly allocation of tokens as described in Section 5 of the Terms. Tokens are consumed as you use AI-powered features (chat, image, video, document processing, and similar). Tokens:
If we change the size of your tier's token allocation, we will give you reasonable notice in accordance with Section 1.4 of the Terms. Your right to cancel under Section 3 of this Refund Policy continues to apply.
As a narrow exception to Section 2.1, if Oppermind ceases operations or is genuinely unable to provide the Service for an extended period, we will refund the unused portion of the billing period in which the cessation or extended inability occurs, calculated on a pro-rata basis from the date access ceased (or from the date that, in our reasonable judgement, the extended inability commenced) to the end of that billing period.
For the purposes of this Section 6:
A pro-rata refund under this Section 6 will be made to the original payment instrument through Stripe wherever practicable. If a refund to the original payment instrument is not practicable, we will arrange an alternative method by agreement with you.
This Section 6 is an exception to our general no-refund position. It does not create a right to a refund in other circumstances, and it does not limit any consumer guarantee or other right that you may have under applicable consumer protection law.
All payments for paid subscriptions are processed by Stripe, Inc. ("Stripe"). Stripe receives your payment instrument details, billing address, and transaction data, and stores them in accordance with PCI-DSS standards. Oppermind does not directly store your full credit card or bank account details. For information about how Stripe processes your data, please see Stripe's Privacy Policy.
Subscriptions managed through Stripe are configured to cancel at the end of the current billing period. When you cancel, Stripe stops the automatic renewal at the end of that period; your access continues until the period ends.
If a scheduled payment fails (for example, because your card expired or your bank declined the charge), we may retry the payment in accordance with Stripe's standard retry schedule and may notify you to update your payment method. If payment remains unsuccessful, we may downgrade your account to the free tier (where one is available) or suspend access to paid features after reasonable notice, in accordance with Section 4.5 of the Terms.
Where a refund is provided under Section 6, Section 8, or Section 9, we will issue the refund through Stripe to the original payment instrument wherever practicable. Bank processing times typically range from 5 to 10 business days; we have no control over the time taken by your bank or card network.
For consumers in Australia. Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in this Refund Policy is intended to exclude, restrict, or modify any right or remedy you have under the Australian Consumer Law that cannot be excluded by agreement.
If you acquire the Service as a "consumer" within the meaning of section 3 of Schedule 2 of the Competition and Consumer Act 2010 (Cth) (the "Australian Consumer Law" or "ACL"), the Service comes with non-excludable guarantees including:
Section 64 of the ACL provides that a term of a contract is void to the extent that it purports to exclude, restrict, or modify a consumer guarantee. The no-refund position set out in this Refund Policy does not, and is not intended to, exclude, restrict, or modify any such consumer guarantee. To the extent that any provision of this Refund Policy would be void under section 64 of the ACL, that provision is read down to the maximum extent necessary so that it is consistent with the ACL.
If we fail to comply with a consumer guarantee, your remedies depend on whether the failure is a "major failure" within the meaning of section 268 of the ACL:
Where the Service is not supplied to you as a consumer (or is not of a kind ordinarily acquired for personal, domestic, or household use or consumption), our liability for failure to comply with a consumer guarantee is, to the extent permitted by section 64A of the ACL, limited at our option to: (a) the re-supply of the Service; or (b) the payment of the cost of having the Service re-supplied.
Nothing in this Refund Policy is intended to limit your rights or our obligations under sections 18, 29, or any other applicable provision of the ACL relating to misleading or deceptive conduct or false or misleading representations.
If you are a "consumer" within the meaning of Directive 2011/83/EU (the EU Consumer Rights Directive) as implemented in your country, you may have a 14-day right of withdrawal in respect of distance contracts. Where the Service is digital content or a digital service supplied through a continuous performance (for example, online access to AI features), you expressly request immediate access to the Service when you sign up. By doing so, and by acknowledging this Refund Policy at sign-up, you acknowledge that, in many EU/EEA jurisdictions, the right of withdrawal ceases once performance has begun with your consent. To the extent your local implementing law preserves a right of withdrawal in any period, that right is preserved and is not limited by this Refund Policy.
If you are a consumer in the United Kingdom, your rights under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 are not affected by this Refund Policy. As with the EU position, by signing up for the Service and acknowledging this Refund Policy, you expressly request that performance of the Service begin during any otherwise-applicable 14-day cancellation period and acknowledge that you will lose the right to cancel under those Regulations once performance has fully begun.
If you are a consumer in the United States, your rights under applicable federal and state consumer protection law (including, where applicable, the Federal Trade Commission Act, the Restore Online Shoppers' Confidence Act (ROSCA), and the California Automatic Renewal Law) are not affected by this Refund Policy. We disclose subscription terms, cancellation methods, and renewal dates at sign-up. You may cancel at any time through the methods described in Section 3.
If you are a consumer in Canada, your rights under PIPEDA and applicable provincial consumer protection law (including, in Quebec, the Consumer Protection Act) are not affected by this Refund Policy.
If you are accessing the Service from a jurisdiction not specifically addressed above, your local consumer protection law may grant you additional or different rights. Nothing in this Refund Policy limits any non-excludable statutory right available to you under that law.
If you believe you have been billed in error, you disagree with a charge, or you have any other concern about your subscription, please contact us first at enquiry@oppermind.com with the subject line "Billing query" and include the email address associated with your account, the date and amount of the charge in question, and a brief description of the concern. We will acknowledge your enquiry within five (5) business days and will work in good faith to resolve it.
A "chargeback" is a request to your card issuer to reverse a charge made by Oppermind through Stripe. Where you initiate a chargeback for a legitimate charge without first attempting to resolve the issue with us, this may amount to a breach of these terms and may result in:
Nothing in this Section 10.2 limits any right you have under applicable consumer protection law to dispute a charge that is genuinely unauthorised, that constitutes a major failure under the ACL, or that you are otherwise entitled to dispute by law. We simply ask that you raise the matter with us first.
If you are not satisfied with our response, you may escalate the matter as described in Section 17.5 of the Terms. For consumer complaints in Australia, you may also contact the Office of the Australian Information Commissioner (for privacy-related billing data complaints) or the consumer affairs body in your state or territory (for example, the WA Department of Mines, Industry Regulation and Safety — Consumer Protection at commerce.wa.gov.au/consumer-protection).
We may update this Refund Policy from time to time. The "Last updated" date at the top of this document indicates the date of the most recent revision. Where the changes are material (for example, an increase in cancellation fees, a removal or material reduction of the Free tier, or any change that materially reduces the rights described in this policy), we will provide reasonable notice in accordance with Section 1.4 of the Terms. Changes will not apply retroactively to refund questions that arose before the effective date of the change.
For all refund, billing, and cancellation enquiries, please contact us: