Credits, Payments & Billing

These Terms form part of our Terms of Service.

Two currencies, two purposes

Why split it this way? Physical goods have real costs and consumer rights attached. Platform features are digital and consumed instantly. Keeping them separate means your consumer protections on goods are not muddied by the rules on prepaid digital credit.

What Credits are — and are not

Credits are a prepaid entitlement to use features of the Platform.

They are not:

• ❌ money, e-money, or a stored value facility
• ❌ a deposit or a bank balance
• ❌ redeemable for cash, at any time, under any circumstance
• ❌ transferable between accounts, sellable, or giftable
• ❌ a security, investment or financial instrument
• ❌ protected by any deposit guarantee scheme

Credits can only be used inside Let's Horaro, only by the account that bought them, and only for the features we make them available for.

Buying Credits

Packages

Credits are sold in packages. The packages available, their term and their price are shown in the app before you pay.

Before you pay

We will show you, before you confirm:

• the price
• how many Credits you get
• the exact expiry date
• whether the package renews automatically

No auto-renewal

Unless you turn on automatic package renewal, Credit packages do not renew automatically. When your Credits expire or run out, nothing is charged to you. You buy again if and when you want to.

We will remind you before your Credits expire, but the reminder is a notice, not a charge.

What Credits cost

All prices, fees and charges are shown in the app before you pay. Nothing is charged until you confirm.

Credits are consumed when you use a feature. The number of Credits a feature consumes, and the basis on which that is calculated, are displayed in the app at the point of use.

What these Terms fix, and the pricing policy cannot change:

• The total in Credits is always displayed before you commit, and nothing is charged until you confirm
• Price changes take effect on 30 days' notice
• Price changes are never retrospective. Credits you already hold keep their value, and a Tribute already scheduled and paid for is never re-charged
• Credits are consumed oldest batch first

Price changes

We may change Credit rates on 30 days' notice.

Changes never apply retroactively. Credits you have already bought keep their value, and Tributes you have already scheduled and paid for are never re-charged. If we increase rates and you don't want to continue, you can use your existing Credits until they expire.

Cash payments

Methods

Credit and debit cards, and mobile wallets, processed by our certified PCI-DSS payment providers. We do not store your full card number — our processors handle card data under PCI DSS.

Currency

Prices are shown in AED unless stated otherwise. If you pay in another currency, your bank's exchange rate and any foreign transaction fee apply. We do not control either.

VAT and invoices

We are not currently registered for UAE VAT. No VAT is charged, prices do not include VAT, and no VAT appears on your invoice.

Registration becomes mandatory once taxable supplies exceed AED 375,000 in a rolling twelve months, and is available voluntarily once taxable supplies or expenses exceed AED 187,500. We will register when we meet one of those thresholds.

Until then, the documents we issue are commercial invoices, described as Invoice, Sales Invoice or Commercial Invoice. They are not tax invoices, and we do not describe them as such.

When we do register, we will publish our Tax Registration Number, show VAT separately at checkout before you pay, and issue tax invoices from that date. Registration will not be applied retrospectively to earlier purchases.

For international deliveries, import duties, destination taxes and courier handling fees remain the recipient's responsibility regardless of our VAT position.

When payment is taken

• Credits: charged immediately; Credits appear at once.
• Gifts: charged at order confirmation, before manufacture begins.
• Shipping: charged once the destination is set, the weight is known and the shipment is confirmed.

Failed payments

If a payment fails we will tell you and retry. If it cannot be completed, the order does not proceed and any associated Tribute stays in draft. A Tribute in draft will not be delivered — please check your payment went through before relying on a scheduled delivery.

Refunds of Credits

Credits are generally non-refundable, because they are consumed the moment you use them.

We will refund Credits in these situations:

We will not refund Credits when:

• ❌ you changed your mind after sending a Tribute
• ❌ you deleted a Tribute you had already submitted
• ❌ the recipient did not open it, or blocked you
• ❌ you let Credits expire unused
• ❌ your account was terminated for breach of our rules
• ❌ you did not like the AI output (see the AI Features Terms)

Refunds of unused Credits, where given, are calculated on the cash price you actually paid, pro-rated for the unused portion.

Refunds of cash payments

Governed by the Returns, Exchanges & Refunds Policy. Summary:

• Refunds go back to the original payment method
• We process approved refunds within 7 to 14 business days; your bank may take longer
• Refunds are in the original currency; exchange rate movements are not our responsibility
• Personalised and engraved items are not refundable unless faulty, damaged in transit, or not what you ordered

Invoices and records

Every purchase generates an invoice, available in Settings → Billing. Invoices show the amount, date, method and reference, and VAT where applicable.

Invoices generated but not paid expire after 3 days. After that the order is cancelled and you would need to start again. We will remind you before an invoice expires.

You can see your Wallet (current balance), Usage (Credits consumed and resources allocated) and Billing (all invoices) at any time.

Promotional codes

• Valid only for the period and users stated
• New-user codes are typically limited to the first month after registration
• One code per transaction unless we say otherwise
• Cannot be exchanged for cash
• Can be withdrawn or cancelled if obtained by fraud, error or abuse
• If we cancel a code you have already validly used, we honour the discount already applied

Chargebacks

If you dispute a charge with your bank, please contact us first at support@letshoraro.com. We can usually resolve it faster than a chargeback and without either of us paying fees.

If a chargeback is raised:

• we may suspend your account while it is investigated
• we may suspend delivery of Tributes paid for with the disputed transaction
• if the chargeback is upheld, we may deduct the corresponding Credits and cancel affected orders
• if it is not upheld, and it was raised without first contacting us, we may recover reasonable costs

We will not withhold delivery of an already-unlocked Tribute because of a payment dispute. A recipient's copy stays theirs.

Identity checks and refused transactions

Because we sell gold and other precious metals, we may be required to verify a buyer's identity on certain transactions, including where a transaction exceeds a regulatory threshold or where a pattern of transactions warrants it.

We may:

• ask for identity documentation before processing an order
• decline or cancel an order where checks cannot be completed
• decline transactions we reasonably suspect involve fraud, money laundering, sanctions breach or other unlawful activity
• report as required by law

If we decline an order on this basis, we refund the payment in full. We may not always be able to explain why, where the law prevents us from doing so.

Errors in pricing

If a price is displayed incorrectly due to an obvious error, we are not obliged to fulfil the order at that price. We will contact you to confirm at the correct price or cancel and refund in full. We will not charge you more than the displayed price without your agreement.

Fees we don't control

Your bank may charge foreign transaction fees, currency conversion margins, or card fees. Couriers and customs authorities may charge duties and handling. These are not our charges and we cannot refund them.

Business accounts

Corporate accounts may have negotiated pricing, invoicing terms and payment periods. Where a signed agreement conflicts with this document, the signed agreement prevails. See Business Account Terms & Data Processing Addendum.

Questions

Billing questions: support@letshoraro.com. Please include the invoice or receipt number.

If we cannot resolve a billing dispute, you may escalate to the UAE Ministry of Economy's Consumer Protection Department or the consumer protection body of your emirate.