Gold & XP

Subscription / Billing Terms

Last updated: May 28, 2026

These Billing Terms explain how Gold & XP subscriptions, renewals, AI credits, failed payments, cancellations, and subscription endings work. Payments are processed by Stripe.

1. Plans and renewals

  • Paid plans may be offered monthly or yearly.
  • Subscriptions renew automatically until canceled.
  • Prices, plan limits, and included AI credits are shown on the Pricing page before purchase.
  • We may change prices with reasonable advance notice before the change applies to a renewal.

2. Payment processing

Stripe processes subscriptions, card details, invoices, payment retries, and customer portal actions. Gold & XP does not store full payment card numbers on our servers.

3. Cancellations

You may cancel from the Stripe customer portal through your account billing settings. Unless stated otherwise during checkout, cancellation takes effect at the end of the current paid billing period, and paid features remain available until then.

4. Upgrades and downgrades

  • Upgrades may take effect immediately and may be prorated by Stripe.
  • Downgrades generally take effect at the end of the current paid billing period.
  • If you exceed a lower plan limit after a downgrade, your existing content is not deleted, but creating new content may be limited until you are back under the limit.

5. Failed payments

If a payment fails, Stripe may retry the charge and notify you. We may suspend paid features or move your account to the free plan if payment is not resolved. Your account content is not deleted solely because a payment fails.

6. AI credits

  • Subscription credit grants are added according to the plan terms shown at purchase.
  • One-time top-up credit packs may be purchased separately where available.
  • AI credits have no cash value, are not transferable, and do not expire unless required by a future policy change or law.
  • Credits are automatically returned when a generation fails or is blocked before a usable result is delivered.

7. When a subscription ends

When a subscription ends, you keep your account and existing content, but paid plan limits and monthly credit grants stop. You can still use remaining AI credits according to the current product rules.

8. Billing help

For billing questions, duplicate charges, receipts, failed payments, or refund review, contact support@goldandxp.com or see our Refund Policy.