What changed in our terms

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These terms are an agreement between you and LUDGI Inc. (주식회사 럿지), a company registered in the Republic of Korea (“LUDGI”, “we”). They apply when you use www.ludgi.ai and its services.

Credits you buy in US dollars through Link are sold to you by LUDGI US, Inc., our affiliate incorporated in Delaware, United States (“LUDGI US”). For those purchases, LUDGI US is the seller and LUDGI provides the service you use the credits on; section 5 explains how they are paid for.

By creating an account or buying anything, you accept these terms and our Privacy Policy. If you do not accept them, do not use LUDGI.

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• Motion graphics studio: you describe a film in writing, add material if you like, and the AI makes it.
• Prompt library: prompts and files for motion graphics, websites, video generation and more.
• Classroom: course videos, taught in Korean.

LUDGI uses AI models from other companies (for example Anthropic, ElevenLabs and Google). When their terms, prices or availability change, the features we offer and the credits they cost may change too. We announce such changes on the site.

LUDGI is an independent product. It is not affiliated with, sponsored by or endorsed by the makers of the AI models and tools it names (for example Claude, Kling, Seedance or ComfyUI), and their names and trademarks belong to them. We use a name only to tell you which model or tool is involved.

We may pause the service for maintenance or when a provider, network or data centre fails. We may change or end free features at any time. If we end a paid service, we give at least 30 days' notice and refund what is left under our Refund Policy.

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• Credits are prepaid units for generations in the motion graphics studio.
• Every request shows its price in credits before you confirm it. The credits are held when you confirm and come back automatically if the generation fails or is refused by our content rules.
• Paid credits stay usable for 1 year from purchase; credits bought before October 8, 2026 keep the 5 years promised then. We remind you 30 and 7 days before paid credits expire. Bonus and gift credits follow the terms shown when you got them.
• Gift credits are used first. After them, credits are used in order of expiry; with the same expiry, bonus credits go before paid ones, then the oldest first.
• Credits have no cash value outside LUDGI. They cannot be exchanged for money, except through a refund under our Refund Policy, and cannot be moved to another account.
• We may remove credits or benefits obtained by fraud or abuse, such as repeated purchases and refunds.

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• Your tier follows your experience points (XP). Every payment adds XP: 1 XP per Korean won paid, and 100 XP per US$0.10 for USD payments, for credits and anything else you buy. Check-ins and finished lessons add a little too, up to a monthly limit. A refund removes the XP its payment added.
• A tier lowers what generations cost in the motion graphics studio (Silver 3%, Gold 5%, Platinum 7%, Master 10%) and brings any other benefits the site lists for it.
• If a refund lowers your XP below your tier, that tier's benefits end with it.
• We announce changes to tiers or their benefits on the site at least 7 days ahead (30 days if they are less favourable to you). A tier you have reached is not lowered by a change of its threshold.

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• Prices are shown before you pay. On our pages, a price is shown only in the currency it is sold in (KRW or USD), never converted or estimated.
• The site first shows prices in Korean won to visitors in Korea and in US dollars to everyone else, based on the country your connection comes from. You can switch to the other currency. Monthly plans are sold in US dollars only.
• In Korean won (KRW): payments go through Toss Payments on our Korean checkout. Prices include Korean VAT. Cards issued outside Korea may not be accepted.
• In US dollars (USD): LUDGI US sells the credits, and Sold through Link, LLC, a Stripe company (“Link”), processes the payment as the merchant of record. Link runs the checkout, charges you, sends your receipt, calculates, collects and remits sales tax, VAT or GST, and handles questions and disputes about the payment. Taxes are added at checkout, and the charge appears on your statement under a name starting with “LINK.COM*” (for example “LINK.COM* LUDGI”). Link's terms and refund policy also apply to that payment, including Link's right to refund a purchase itself.
• Before a USD checkout opens, you agree that LUDGI US sells and Link processes the payment, and that the details in our Privacy Policy are shared with them in the United States for it. Without that agreement you cannot pay in US dollars, but you can still pay in Korean won.
• Link's checkout may offer to charge a USD price in the currency of your country. If it does, it shows the converted amount and the exchange rate before you pay.
• Use only payment methods you are allowed to use.

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• A monthly plan gives you a set number of credits every month. Plans are sold in US dollars by LUDGI US through Link (section 5). Before you subscribe, the pricing page and Link's checkout show each plan's monthly price (tax is added at checkout), the credits it gives each month, that it renews automatically, and how to cancel.
• Your plan renews automatically every month, on the day you subscribed, at the same price, until you cancel. We add the month's credits once its payment goes through.
• A month's credits stay usable until one month after that month ends; then they expire. Credits are used in the order set out in section 4, and credits you buy separately keep their own expiry whatever happens to your plan.
• You can cancel at any time on My credits or on Link (link.com). Cancelling stops the next renewal: your plan and the credits you already have keep working until the end of the month you paid for, and until then you can undo the cancellation.
• If a renewal payment fails, Link tries again. No credits are added for a month that is not paid, and the plan ends if the payment keeps failing.
• If we raise a plan's price or reduce its monthly credits, we tell you by email at least 30 days before the first payment at the new terms, and renew at the new terms only if you agree. If you do not, your plan ends before that payment.
• Refunds of plan payments follow our Refund Policy. Cancelling does not refund the month you already paid for.

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Refunds follow our Refund Policy. In short: unused USD credits can be refunded within 14 days of purchase; KRW purchases follow the Korean rules; a course bought earlier follows the refund rules on its course page; and credits for a failed generation come back automatically.

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• Course videos in the classroom are free. They are taught in Korean. We no longer sell paid courses.
• A paid course bought before October 10, 2026 keeps the access and refund rules that its course page showed when you bought it.
• Course videos and materials are for your own learning. Do not record, copy, share or publish them, and do not share your access.

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Do not use LUDGI to:

• make or request sexual, explicit or sexually suggestive content of any kind (nudity, sexual acts, erotic or fetish content), whether it shows real or imaginary people. LUDGI is not an adult or “uncensored” service;
• make deepfakes: put a real person's face, body or voice into a result, or make a result look like a real person, without that person's permission, or in a way that could deceive anyone about who is shown or what they did;
• break the law, or make or request sexual content involving minors, impersonation, harassment, hate or incitement to violence;
• infringe copyright, trademarks, personality rights or privacy;
• get around our safety measures, our content screening or those of the AI providers (for example by rewording a refused request);
• send automated bulk requests, reverse engineer, attack or disrupt the service;
• use someone else's account or payment method, or obtain credits or benefits by fraud.

Before anything is generated, we screen what you write with an AI model from Anthropic, which already works for us as a processor, and refuse requests that break these rules; a refused request uses no credits. Repeated attempts can lead to suspension (section 10). LUDGI offers no tool that replaces a person's face or identity with someone else's.

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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
Seller of USD purchases made through Link: LUDGI US, Inc., Delaware, United States · 131 Continental Dr, Suite 305, Newark, DE 19713, United States · milli@ludgi.ai

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These terms apply from October 10, 2026. Orders paid for before that date stay under the terms that applied when you paid.

The AI video studio closed on October 10, 2026 and takes no new generations. Credits you have left work in the motion graphics studio, or can be refunded under our Refund Policy. If you do not accept the closing or these changes and ask us by November 9, 2026, we refund the paid credits you have not used, in full, whenever you bought them.

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LUDGI Inc. (주식회사 럿지), 인천광역시 연수구 인천타워대로 323, 에이동 20층 2001~2006호 A-317호(송도동), Republic of Korea, is responsible for your personal data (the “controller”). Contact us at milli@ludgi.ai.

If you buy credits in US dollars through Link, LUDGI US, Inc. (Delaware, United States), our affiliate that sells those credits, is also responsible for the data of that purchase. You can reach it at the same address.

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• Account: email, name or display name, password (stored only in hashed form by our sign-in provider; we never see it), account ID; with Google sign-in, the email, name and photo of your Google account; optional profile photo, bio and language.
• Payments: order number, product, amount, time, and the payment details the payment company returns to us (such as card brand and a masked card number). We never receive full card numbers.
• What you make: your requests, the files and links you add, your results, and your credit history.
• Courses: enrolments, lesson playback (time and position) and the name on a certificate.
• Support: your name, email, optional phone number, messages and attachments.
• Technical: IP address, access logs, device and browser details, cookies and usage statistics, and the country your connection comes from (read from the IP address to show prices in your currency, not stored).

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Service providers process personal data on our instructions, only for these purposes:

If you buy credits in US dollars through Link, you buy them from LUDGI US, Inc., and Link (Sold through Link, LLC) and Stripe, Inc. process the payment as merchant of record under their own privacy policies (stripe.com/privacy). With the consent you give before checkout, we give LUDGI US, Inc. and Stripe your account email, account ID and the order's details, and receive back the order's status and amounts, never your card details. You enter your payment details on Link's checkout yourself. If you do not consent, you cannot pay in US dollars, but you can still pay in Korean won.

We share personal data with others only with your consent or where the law requires it.

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We are based in Korea, and our providers process data in the countries listed above. A USD purchase through Link sends the details in section 4 to LUDGI US, Inc. and Stripe in the United States, with your consent. Data travels encrypted (HTTPS). Our contracts with providers limit their use of your data to the services they perform for us. Where the law of your country requires specific safeguards for such transfers, we rely on the safeguards our providers offer, such as standard contractual clauses.

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• A sign-in cookie keeps you logged in (up to 5 days). A currency cookie remembers whether you see prices in Korean won or US dollars (1 year; first set from the country your connection comes from, and changed when you switch). Your browser also stores small conveniences, such as a dismissed language tip or an unsent draft.
• Google Analytics uses cookies for usage statistics, and AdSense uses cookies for ads on our blog.
• You can block cookies in your browser; you then cannot log in. You can also use Google's Analytics opt-out and turn off personalised ads in Google's ad settings.

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This policy applies from October 10, 2026.

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This policy explains refunds for what you buy on www.ludgi.ai, the service of LUDGI Inc. (주식회사 럿지), a company in the Republic of Korea: credits for the motion graphics studio, monthly plans, and the courses we used to sell. 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 Link: the USD rules below apply. You buy the credits from LUDGI US, Inc., our affiliate in the United States, and Sold through Link, LLC, a Stripe company (“Link”), is the merchant of record: it charges you, appears on your statement under a name starting with “LINK.COM*”, and sends the refund.

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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.
• Link, as merchant of record, may also refund a USD purchase itself under its own refund policy, for example within 60 days of purchase when you did not receive what you bought or it is significantly not as described. Where Link's policy gives you more than this one, Link's policy applies.
• A refund, a partial refund or a chargeback removes the matching share of that purchase's credits, bonus included. A refund includes the tax you paid on the refunded amount.

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 October 8, 2026: 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 (such as its generation discount) end with it.
• Credits cannot be exchanged for cash or moved to another account.

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• Within 14 days of a month's payment, we refund the credits of that month you have not used, in full (that share of the payment).
• After 14 days, a month's payment is not refundable, except where the law requires a refund.
• Cancelling stops future payments. It does not refund the month you already paid for, and you keep that month's credits until they expire. Plan credits that have expired are not refunded.
• Link may also refund a month itself under its own refund policy, as for credits bought in USD (section 2). A refund, a partial refund or a chargeback of a month removes the matching share of that month's credits.

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We no longer sell paid courses. A course bought earlier (taught in Korean and sold in KRW through the Korean checkout) keeps the Korean refund policy its course page showed when you bought it, which 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.

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• 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.
• For a USD purchase made through Link, you can also ask Link's support at support.link.com.
• Please contact us before you dispute a charge with your bank: a dispute can hold up the refund.

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This policy applies from October 10, 2026. Orders paid for before that date stay under the refund rules that applied when you paid, unless this policy gives you more.

The AI video studio closed on October 10, 2026. If you do not accept the closing or the changes to our terms that day and ask us by November 9, 2026, we refund the paid credits you have not used, in full, whenever you bought them.