Purchase Terms | Secret Chat AI

Seller

The seller is Opossum DOO, Montenegro, operator of Secret Chat at https://secret-chat.ai.

Ordering

The customer orders digital credits or subscription access through the online checkout form. Before payment, the customer can review the selected product, price, tax/VAT if applicable, discounts if any, currency, and total amount to be charged.

The order is considered submitted when the customer confirms the payment and accepts the Terms of Service, Privacy Policy, Purchase Terms, and Refund Policy.

Payment

Products and services can be paid online using one of the available payment methods shown at checkout.

Available payment methods may include:

Card payment through our payment provider.
Crypto payment through Volet.com.

Card payments

Our payment provider for card payments is Creem (creem.io).

Secret Chat does not store full card numbers, card validity dates, or card security codes.

Card payments are processed in cooperation with our payment provider and are carried out in a secure and certified manner via the provider's payment gateway, by simply entering the payment card details.

Crypto payments

Crypto payments are processed by Volet.com.

When the customer selects crypto payment, Volet.com may generate payment details or provide a hosted checkout page where the customer can complete payment using one of the supported cryptocurrencies.

Supported crypto currencies may include BTC, USDT, USDC, ETH, BNB, TON, and other currencies available in the active Volet.com checkout configuration.

All product prices on Secret Chat are displayed in United States Dollars (USD). If a customer pays with cryptocurrency, the crypto amount may be calculated based on the USD price and the exchange rate or conversion rules available at the time of payment through the payment provider.

The customer is responsible for selecting the correct payment method, currency, and network when completing a crypto payment.

Subscriptions

In addition to one-time credit packs, Secret Chat offers auto-renewing subscription plans (Basic, Regular, and Pro) with monthly or annual billing. The plan, billing period, price, and monthly credit allowance are shown at checkout before payment.

Automatic renewal. Subscriptions renew automatically — monthly plans each month, annual plans each year — and the renewal price is charged to the customer's payment method through our card payment provider until the subscription is cancelled. Subscriptions are paid by card only.
Monthly credit allowance. Each subscription delivers a fixed credit allowance every month. Annual plans are billed once per year, but the credit allowance is still delivered month by month over the paid year.
Allowances do not accumulate. Each new monthly allowance replaces any unused remainder of the previous allowance, so unused subscription credits expire when the next monthly allowance is delivered. One-time credit packs are not affected by this and do not expire.
Order of use. When an account holds both subscription credits and one-time credits, subscription credits are used first, so one-time credits are preserved.
Upgrades. The customer may upgrade to a higher plan on the same billing period at any time. Only the prorated price difference for the remainder of the current billing period is charged immediately, the additional credits are delivered immediately, and the new plan's price applies from the next renewal. Downgrades and switching between monthly and annual billing are currently not offered; the customer may instead cancel and subscribe to a different plan after the paid period ends.
Cancellation. The subscription can be cancelled at any time using the subscription management link included in the payment provider's receipt emails. Cancellation stops future renewal charges. Credit allowances that were already paid for continue to be delivered and remain usable until the end of the current paid period (for annual plans, until the end of the paid year), subject to the monthly allowance replacement described above.
Price changes. If subscription prices change, the new price applies only from a future renewal, and where required by applicable law the customer will be informed in advance and may cancel before the new price takes effect.

Service Delivery

Secret Chat sells digital credits and digital AI access. No physical products are shipped. There are no delivery costs.

After successful payment confirmation, purchased credits are added to the user's email-only Secret Chat account automatically or as soon as technically possible.

Crypto payments may require blockchain/network confirmation before credits are delivered.

If credits are not visible after successful payment, the customer should contact with the order/payment reference.

Complaints

For payment, access, technical, or credit-delivery issues, customers may contact us at . We will review the issue and provide a correction, replacement access, credit adjustment, refund, or other appropriate solution where applicable.

Refunds and Cancellation

Digital credits and digital services are non-refundable once issued or used, except where a refund is required by applicable consumer protection law.

If a payment was charged but credits were not delivered because of a technical error on our side, the customer may request correction or refund by contacting .

If the customer loses access because they lost their account credentials, cleared local browser data, or failed to secure their own access credentials, Secret Chat may be unable to restore credits or local chat data.

Right of Withdrawal

Where applicable consumer law gives the customer a right to withdraw from a purchase, this right may be limited or excluded for digital content or digital services once delivery/performance has started with the customer's consent, except where mandatory law provides otherwise.

Currency

All prices are shown in USD.

If the customer pays by card in another local currency, the card issuer may convert the charged amount into the customer's local currency according to its own exchange rate and fees.

If the customer pays with cryptocurrency, the final crypto amount may depend on the exchange rate, selected cryptocurrency, selected network, provider fees, and blockchain/network fees at the time of payment.