Refund & Cancellation Policy — Open Vertex Router

This Refund & Cancellation Policy (“Policy”) explains how billing, refunds, expiry, suspension, and account closure work for Open Vertex Router (the “Service”), operated by Open Vertex Technologies LLC, a Wyoming limited liability company (“we”, “us”, “our”).

This Policy is incorporated into and forms part of our Terms of Service.

Where we have agreed individual commercial terms with you in writing — covering your subscription, markup rate, credit limit, payment terms, or anything else — those terms prevail over this Policy to the extent of any conflict. This Policy governs everything your written agreement does not address.

Who this Policy applies to

This Policy applies to all Open Vertex Router accounts.

We currently offer two account types, both opened following a manual onboarding and review process.

Business accounts operate on a prepaid basis. A Business account may become eligible for a Credit Limit over time, based on account age, consumption history, and payment record. Eligibility is reviewed periodically and any Credit Limit is extended at our discretion. It is never automatic and never available on a self-service basis.

Enterprise accounts are opened with commercial terms — including subscription, markup rate, Credit Limit, and payment terms — agreed individually in writing.

If we introduce further account types, they will be governed by this Policy unless we publish separate terms for them. Any change to your own account type requires your agreement.

1. Two mechanisms, two different things

Your account uses two independent payment mechanisms. They are easy to confuse, so we name them consistently throughout this Policy and in your dashboard.

Prepaid Balance — money you have paid us in advance. You add to it by making a top-up. It is optional; you choose whether to use it, how much, and how often. We set no minimum or maximum.

Credit Limit — a monthly usage line we extend to you. It is money we advance, not money you have paid. Your Credit Limit is agreed with you and reflects your account’s payment history. Usage drawn against it is invoiced at the end of the month and paid according to your agreed payment terms.

The word “credit” alone is ambiguous between these two. We avoid it.

1.1 Order of consumption

Each request is charged at the provider’s cost for the tokens actually processed, plus the markup rate agreed for your account.

If your Prepaid Balance is greater than zero, the charge is taken from it.
When your Prepaid Balance reaches zero, further usage draws against your Credit Limit.
Where a single request is larger than your remaining Prepaid Balance, it is split between the two and both portions are recorded separately.

A top-up made mid-month is not retroactive. It adds to your Prepaid Balance going forward; usage already drawn against your Credit Limit stays there and will appear on that month’s invoice.

A top-up does not raise your Credit Limit. The two are independent.

1.2 Reaching your Credit Limit

Your account is configured in one of two ways, agreed with you:

Block (default) — requests are refused with HTTP 429 once the limit is reached. You can top up your Prepaid Balance to continue immediately, or wait for the monthly reset.
Alert and overage — requests continue beyond the limit, and usage above it is charged at an additional overage rate agreed for your account. You are notified as you approach 80%, 90%, and 100%.

1.3 Monthly reset

Your Credit Limit resets on the first day of each calendar month at 00:00 UTC. Unused Credit Limit does not carry over. It is a monthly ceiling, not a balance.

Your Prepaid Balance is unaffected by the reset. It carries over until spent or expired.

1.4 Subscription

Where a monthly subscription has been agreed for your account, the first month is invoiced at activation and must be paid before API access is enabled. Subsequent months are invoiced in advance alongside your usage invoice.

All amounts are in US dollars.

2. Nature of the Prepaid Balance

Your Prepaid Balance is a prepayment for future use of the Service. It is not a deposit, a bank account, a stored-value instrument, or a digital wallet.

Specifically, your Prepaid Balance:

is not legal tender or currency of any kind;
has no cash value and is not exchangeable for money except as set out in Section 4 or where required by law;
is non-transferable and may not be sold, gifted, assigned, or moved between accounts;
may be used only to pay for the Service;
confers no property right of any kind.

Your Credit Limit is not a balance, an asset, or anything you own. It is a facility we may adjust or withdraw in accordance with our Terms of Service.

3. Expiry of prepaid funds

Each top-up is recorded as a separate batch with its own expiry date. Each batch expires twelve (12) months after the date the payment is confirmed.

Batches are consumed oldest first, so a batch expires only if your usage over the following twelve months has not reached it.

We will email your account administrators thirty (30) days before any batch is due to expire. Your Prepaid Balance and the expiry date of each batch are visible in your dashboard at all times.

Expired funds are removed from your Prepaid Balance and are not refundable, reinstatable, or convertible.

This section does not apply to your Credit Limit, which does not expire and is governed by Section 1.3.

4. Refunds

4.1 General rule

Your Prepaid Balance is non-refundable once payment has been confirmed, except in the circumstances described below or where a refund is required by applicable law.

4.2 Circumstances in which we do refund

Duplicate or erroneous charges. If you were charged more than once for the same top-up, or charged an amount that does not correspond to a top-up you requested, we will refund the difference in full.

Billing errors on our side. If usage was billed to your account in error — usage belonging to another account, an incorrect markup or overage rate, a duplicated usage record — we will correct the error and refund or credit the difference.

Unauthorized payment. If a payment was made without authorization, contact us immediately. We will investigate and, where confirmed, refund it.

Service unavailability. If the Service is unavailable for an extended period through our fault and you were unable to use your Prepaid Balance as a result, we may issue a refund or an adjustment at our discretion.

4.3 Voluntary account closure

Closing your account voluntarily does not entitle you to a refund. Any Prepaid Balance remaining in your account when closure takes effect is forfeited.

If you intend to use your balance, spend it down before requesting closure: your API keys remain active until closure takes effect, and nothing obliges you to close on any particular date.

4.4 What we do not refund

Prepaid funds that have expired under Section 3.
Prepaid funds consumed by usage — including usage you did not intend, usage by your own end users, and usage resulting from a compromise of your API keys that you did not report to us.
Any Prepaid Balance remaining in your account when you close it voluntarily (Section 4.3).
Any subscription amount, in whole or in part, for a billing period that has begun. Subscription fees are not prorated for partial months.
Any Prepaid Balance held in an account terminated for violation of our Acceptable Use Policy.
Payment processing fees, where applicable.

Your Credit Limit is not refundable because nothing has been paid for it. Unused Credit Limit has no value.

4.5 Refunds where we end the relationship

Where we close your account for convenience, or where you close it because you do not accept a material change to our Terms of Service or to this Policy, we will refund your unused, unexpired Prepaid Balance in full, net of any amount you owe us. This refund is not discretionary.

This does not apply where your account is terminated for non-payment (Section 9) or for a policy violation (Section 10).

5. Cancellation and account closure

5.1 Closing your account

You may close your account at any time by writing to billing@openvertexrouter.com from an administrator address on the account.

On closure:

your API keys are revoked and requests stop being accepted;
usage already drawn against your Credit Limit remains payable and will be invoiced;
any subscription stops at the end of the current billing period and is not prorated;
your unused Prepaid Balance is handled under Section 4.3.

Any Prepaid Balance remaining at closure is forfeited (Section 4.3).

5.2 Changing your terms

Changes to an agreed subscription, markup rate, or Credit Limit take effect at the start of the next billing period unless we agree otherwise in writing.

6. Requests that fail or do not complete

Requests that fail without a response being generated are not charged.

Where a response is interrupted after generation has begun — a connection drop, or an upstream provider error mid-stream — you are charged for the tokens actually processed up to that point.

Where a request fails and the Service automatically retries it against an alternative provider, the successful attempt is charged.

If you believe you have been charged for a request that did not complete, contact billing@openvertexrouter.com within thirty (30) days of the relevant invoice or transaction and we will investigate.

7. Invoices and disputes

Invoices cover your subscription and any usage drawn against your Credit Limit during the period. Usage already paid from your Prepaid Balance does not appear as an amount due; it is shown for your records only.

Invoices are due within the payment terms agreed for your account.

If you dispute an invoice, notify us at billing@openvertexrouter.com within thirty (30) days of the invoice date, identifying the specific charges in question and the basis for the dispute. Charges not disputed within that window are treated as accepted.

You must pay the undisputed portion by its due date. We will not treat a good-faith dispute over part of an invoice as non-payment of the whole.

8. We do not charge you automatically

We do not store your card details, and we do not automatically charge any payment method.

Every payment you make to us is one you initiate. You pay each invoice deliberately, and each top-up deliberately. Nothing renews or recharges on its own, and there is no automatic replenishment of your Prepaid Balance.

The trade-off is worth knowing: because we cannot collect automatically, an unpaid invoice leads to suspension rather than a retry. Section 9 sets out what that looks like.

9. Non-payment, suspension, and termination

If an invoice is not paid by its due date, the following applies. We will contact your account administrators at each stage.

More than seven (7) days late. We may reduce your Credit Limit and shorten your payment terms for subsequent periods.

More than fourteen (14) days unpaid. We may suspend API access. Your keys stop accepting requests and return HTTP 403.

More than thirty (30) days unpaid. We may terminate the account.

While an account is suspended for non-payment:

your Prepaid Balance is frozen, not forfeited — it remains recorded against your account;
we may apply your Prepaid Balance against the outstanding amount. We will notify your account administrators before doing so;
prepaid batches continue to age toward their expiry dates during the suspension;
access is restored once the outstanding balance is settled.

On termination for non-payment, any remaining Prepaid Balance is applied against amounts owed. Any surplus is refundable on request.

10. Termination for policy violation

Where we terminate an account for a violation of our Acceptable Use Policy, the Prepaid Balance is forfeited and no refund is due. Usage already incurred remains payable.

11. Chargebacks

If you believe you have been charged incorrectly, contact us first. We investigate and correct genuine errors.

Initiating a chargeback or payment dispute without contacting us may result in immediate suspension of your account pending resolution, and forfeiture of any Prepaid Balance associated with the disputed payment. Where a dispute is resolved in our favour, we may require settlement of the disputed amount and any associated fees before reinstating access.

12. How to request a refund

Write to billing@openvertexrouter.com from an administrator address on the account, including:

your account name;
the transaction date and amount, or the invoice number;
the reason for the request.

We aim to acknowledge refund requests within two (2) business days and to resolve them within ten (10) business days. Approved refunds are issued to the original payment method and typically appear within five to ten business days of processing, depending on your bank.

13. Changes to this Policy

We may update this Policy. We will post the revised version at this URL and update the effective date. Where a change materially reduces your rights, we will notify account administrators by email at least thirty (30) days in advance, and the change will not apply retroactively to top-ups already paid.

14. Contact Us

Open Vertex Technologies LLC
30 N Gould St Ste N
Sheridan, WY 82801
United States

Billing and refunds: billing@openvertexrouter.com
Legal notices: legal@openvertexrouter.com