Refund Policy

1. What this policy covers

This policy explains refunds for what you buy on www.ludgi.ai from LUDGI Inc. (주식회사 럿지), a company in the Republic of Korea: credits for the motion graphics studio and the AI studio, and courses. How you paid decides which rules apply:

• In Korean won (KRW) through our Korean checkout (Toss Payments): the Korean refund policy and Korean consumer law apply. We summarise them below; for these purchases the Korean policy governs.
• In US dollars (USD) through Creem (Armitage Labs OÜ, creem.io): the USD rules below apply. Creem is the merchant of record for those purchases: it appears on your statement as “CREEM.IO* STORE”, and it sends the refund.

2. Credits

Credits bought in USD

• Within 14 days of purchase, we refund the paid credits you have not used, in full.
• After 14 days, purchases are not refundable, except where the law requires a refund.
• Bonus credits have no cash value. They are not refunded, and they are removed when the purchase they came with is refunded.
• Creem, as merchant of record, may also refund a USD purchase itself under its own policies (for example within 60 days of purchase, or when a support request goes unanswered). A refund, a partial refund or a chargeback removes the matching share of that purchase's credits, bonus included.

Credits bought in KRW

• Within 7 days of purchase, a top-up you have not used at all is refunded in full.
• After that, or once you have used part of it, unused paid credits can still be refunded, minus 10% for payment fees and costs.
• Bonus credits are not refunded and are removed when their top-up is refunded.

All credits

• Paid credits stay usable for 1 year from purchase (credits bought before this policy took effect: 5 years). We remind you 30 and 7 days before they expire. Paid KRW credits that expired unused can still be refunded within 5 years of payment, worked out as above (minus 10%).
• Gift credits that come with a course pre-sale last 6 months, are used first and have no cash value. If the course is refunded, unused gift credits are removed and the ones you used are deducted from the course refund at ₩100 each.
• After gift credits, credits count as used in order of expiry; with the same expiry, bonus credits go before paid ones, then the oldest first.
• A refund also removes the XP its payment added. If that lowers your tier, the tier's benefits (its courses and generation discount) end with it.
• Credits cannot be exchanged for cash or moved to another account.

3. Films and other generations

• Every request shows its price in credits before you confirm it.
• If a film or generation fails, is not finished in time, or is refused by our content rules, its credits come back automatically.
• Once a finished result has been delivered, the credits used for it are not refunded: the digital content has been provided.
• If a result does not match what you ordered, tell us. We will check it, then remake it or return its credits.
• Results are kept for at least 7 days. Download what you need.

4. Courses

Our courses are taught in Korean and sold in KRW through the Korean checkout. Each course's Korean refund policy, shown on its course page, governs. In short:

• Within 7 days of payment, if you have not played any lesson: a full refund. Watching free previews does not count.
• Otherwise, a refund for the lessons you have not played, if you ask within 1 year of payment.
• Gift credits you used are deducted at ₩100 each, except when the course was not as described or we stopped providing it.
• If a course is not as described, you can cancel for a full refund within 3 months of getting access, or within 30 days of noticing.
• A refunded course closes in your classroom.

5. How to ask for a refund

• Email milli@ludgi.ai from the email address of your LUDGI account, with the order number and the reason.
• We reply within 2 business days (Korea time) and refund to the original payment method within 3 business days of confirming. Your card issuer may need another 3 to 7 business days.
• Please contact us before you dispute a charge with your bank: a dispute can hold up the refund.

6. Your legal rights

Nothing in this policy limits rights that the consumer law of your country gives you. Where that law gives you more, we follow it.

7. Contact

LUDGI Inc. (주식회사 럿지) · CEO 노상우 · Business registration no. 307-88-03283
인천광역시 연수구 인천타워대로 323, 에이동 20층 2001~2006호 A-317호(송도동), Republic of Korea · milli@ludgi.ai · Weekdays 10:00–18:00 KST

8. Effective date

This policy applies from October 8, 2026.