Refund Policy
Last updated: October 2026
The merchant of record
Payments for Moneta are processed by Creem, our payment provider, as the merchant of record. Subscriptions are shown on your statement under Creem's name.
If a payment fails
A failed renewal isn't an instant lock-out. You get a 24-hour grace window with your books fully intact and a clear notice naming the exact deadline — fix the card in that window and nothing is lost. Both members can pay, and either can fix it.
Requesting a refund
If something went wrong — a double charge, a charge after you cancelled — write to hello@monetaai.xyz with the email you use in Moneta and roughly when the charge landed. We'll work with Creem to make it right. Cancel any time first; your plan runs to the end of what you paid for.
The alternative to leaving
If Moneta isn't useful right now, pause rather than cancel: your books stay safe and downloadable for a year, and coming back takes one click. Leaving is always yours to choose, and after a leave your books are kept 30 days, then genuinely deleted.