Agelo Credits Policy

Applies to: Customers who purchase or use Agelo Credits

This Credits Policy supplements the Platform-Wide General Terms of Service, the Customer AI Service Terms and the Payment Service Description.

Article 1 - Nature of Agelo Credits

1.1 Agelo Credits are closed-loop, non-transferable service-usage units issued and accepted solely by Agelo.

1.2 Agelo Credits may be used only for eligible Agelo AI Services, including Buyer Agent interactions, model and tool usage, workflow orchestration and Managed Service Consumption.

1.3 Agelo Credits are not a bank deposit, payment account or cash-equivalent instrument. They do not represent funds held for or on behalf of a Customer or an Expert Agent Provider.

1.4 Agelo Credits may not be transferred or gifted between Users, withdrawn to a bank account, redeemed for cash, used outside Agelo, accepted by an Expert Agent Provider or transferred to a Connected Account.

1.5 Agelo may separately pay a fiat-denominated Supplier Service Fee to an Expert Agent Provider for eligible Agent Contribution Services. That fee is governed by the Supplier Agreement and Supplier Compensation Policy.

1.6 Finalized Agelo Credit consumption attributable solely to a completed Expert Agent Service may be used as evidence for determining Eligible Expert Work Units. That does not give an Expert Agent Provider any ownership, withdrawal or redemption right in Agelo Credits.

1.7 Supplier compensation is governed separately by the Supplier Agreement and Supplier Compensation Policy.

Article 2 - Credit Package Purchase

2.1 Creating a Customer account is free.

2.2 Agelo offers fixed Credit packages at prices displayed before purchase.

2.3 Standard packages may include:

• 20 Agelo Credits for USD 20;
• 50 Agelo Credits for USD 50;
• 100 Agelo Credits for USD 100; and
• 500 Agelo Credits for USD 500.

2.4 Customers may purchase only the packages made available by Agelo and may not enter or load an arbitrary monetary amount.

2.5 Before a Customer confirms a purchase, Agelo will display:

(a) the total package price; (b) the payment currency; (c) the number of Credits included; (d) the applicable expiry date or expiry rule; (e) the applicable refund conditions; and (f) any package-specific restrictions.

2.6 The price of a Credit package does not cause an individual Credit to become a unit of fiat currency or a cash-equivalent asset.

Article 3 - Metered Interactive Consumption

3.1 Eligible Buyer Agent interactions and standalone Agelo AI functions may consume Credits independently of a Managed Service Consumption.

3.2 Before the Customer confirms a paid action, Agelo will display the applicable Credit amount, estimated amount, rate or charging basis.

3.3 The applicable Credits become Consumed Credits when Agelo supplies the relevant functionality.

3.4 If Agelo does not supply the paid functionality because of a verified technical or processing failure, Agelo will not permanently consume the affected Credits or will restore the applicable Credits.

Article 4 - Managed Service Consumption

4.1 Before a Managed Service Consumption begins, Agelo will provide a Resource Estimate showing the estimated Credits, scope, expected deliverables and applicable service conditions.

4.2 When the Customer approves the Resource Estimate, the estimated Credits become Reserved Credits.

4.3 Reserved Credits are temporarily unavailable for other use but have not yet been formally consumed.

4.4 When Agelo delivers the Final Deliverables, the applicable Reserved Credits become Consumed Credits.

4.5 Any unused Reserved Credits will be released to the Customer's available Credits.

4.6 After delivery, the Customer has the usage-evaluation period stated in the Customer Terms in which to review the delivery, request re-execution or raise a dispute.

Article 5 - Credit Expiry

5.1 Purchased Credits expire according to the expiry date or inactivity rule disclosed before purchase and displayed in the Customer's Credits dashboard.

5.2 Agelo will provide notice before purchased Credits expire.

5.3 Promotional, courtesy, granted or bonus Credits may have different expiry conditions if those conditions are disclosed when the Credits are granted.

5.4 Expired Credits cannot be reinstated except where required by applicable law or where Agelo determines that expiry resulted from a verified technical or ledger error.

Article 6 - Returns and Refunds

6.1 If paid functionality is not supplied because of a verified technical or processing failure, Agelo may restore the applicable Credits.

6.2 Credits consumed for Buyer Agent interactions, model or tool usage, file analysis, orchestration or other functionality already supplied by Agelo are generally non-refundable. A Customer's decision not to proceed with a Managed Service Consumption, subjective dissatisfaction or unfamiliarity with the Platform does not reverse functionality already supplied. This does not affect remedies required for a duplicate charge, an unauthorised payment, a verified technical or processing failure, an objective delivery non-conformity or applicable law.

6.3 If a Managed Service Consumption is interrupted before delivery, Agelo may re-execute the service, invoke a substitute Agent or release all or part of the Reserved Credits.

6.4 A monetary refund is not automatic. Where a refund is approved by Agelo under the Customer Complaint procedure, the Payment Service Description or applicable law, the refund will be returned through the original payment method.

6.5 Credits cannot be refunded through a bank transfer, transferred to another User or redeemed through an Expert Agent Provider.

Article 7 - Purchase and Balance Limits

7.1 The total available Credit balance in a Customer account may not exceed 2,000 Credits.

7.2 That limit includes purchased Credits, promotional Credits, introductory grants, complimentary Credits and other still-usable bonus Credits.

7.3 Agelo may reject or limit a purchase that would cause the available balance to exceed the applicable limit.

7.4 Agelo may also impose limits on an individual Credit purchase or aggregate purchases during a specified period based on payment method, account-verification status, applicable law, risk controls and payment-partner requirements.

Article 8 - Promotions and Complimentary Credits

8.1 Agelo may offer limited-time or limited-quantity promotional packages, discounted packages, introductory grants or complimentary Credits.

8.2 The applicable price, eligibility, quantity limit, availability period and expiry terms will be displayed before acceptance.

8.3 Promotional pricing, package discounts, introductory grants and complimentary Credits do not cause Agelo Credits to acquire a cash redemption value.

8.4 Unless Agelo expressly identifies a different treatment before the relevant assignment begins, promotional pricing, discounted Credit packages, introductory grants and complimentary Buyer Credits do not change the Applicable Supplier Fee Rate for an Expert Agent Provider.

Article 9 - Expert Agent Providers

9.1 Customers purchase Credits solely from Agelo and use Credits solely for Agelo AI Services.

9.2 Expert Agent Providers do not accept, receive, hold, withdraw or redeem customer Credits.

9.3 An Expert Agent Provider has no ownership interest in a Customer's Credit balance or in any specific Customer payment.

9.4 Any Supplier Service Fee calculated by Agelo is a separate fiat-denominated B2B payment obligation and is not a transfer or redemption of customer Credits.

Article 10 - Contact

Questions concerning Agelo Credits, expiry, restoration or refunds may be submitted to:

payments@agelo.ai