Top-Up Policy

AMA — Thai-Chinese Calendar Life Planner

Effective: 1 July 2026

AMA is a life-planning calendar and self-discovery application designed to help users plan activities, explore personal insights, and access digital content and services within the application.

This Policy establishes the rules governing the purchase, top-up, storage, and use of AMA Credits, including refunds and the handling of irregular transactions.

Please read this Policy carefully before purchasing or using AMA Credits. By purchasing or using AMA Credits, the User acknowledges and agrees to this Policy.

01 Definitions

“AMA” means the AMA application, website, systems, and related services.
“User” means any person who registers for, accesses, or uses AMA.
“AMA Credit” or “Credit” means a digital credit that may be purchased or received and used to unlock or access specified digital content, functionality, or services within AMA.
“Paid Credit” means a Credit purchased using real money through a payment channel authorized by AMA and the applicable platform.
“Bonus Credit” means a Credit granted free of charge by AMA through a promotion, campaign, reward, compensation, or other promotional activity.

02 Nature of AMA Credits

AMA Credits represent a limited right to use digital services within AMA.

AMA Credits:

Are not cash
Are not deposits
Are not electronic money or bank accounts
Are not cryptocurrency or investment assets
Do not earn interest or returns
Have no value outside AMA
Must not be used for gambling or wagering
Cannot be redeemed for cash unless required by law
Cannot be sold, rented, transferred, exchanged, or gifted to another User
Cannot be used to pay for products or services outside AMA

Purchasing AMA Credits does not constitute a deposit or investment with AMA.

03 User Age and Purchase Authorization

Users must have the age and legal capacity required to enter into a transaction.

A User who is not legally able to enter into a transaction independently must obtain the consent of a parent or legal guardian before purchasing AMA Credits.

Parents and legal guardians are responsible for supervising payment settings, passwords, authentication methods, and in-app purchases made through a minor’s device or account.

AMA may request information reasonably necessary to verify age, identity, account ownership, or authorization to use a payment method, where permitted by law and platform requirements.

04 Topping Up AMA Credits

Users may purchase AMA Credits only through the Credit purchase page in AMA and through payment channels displayed or authorized by AMA.

Purchases made on iOS or Android devices will be processed through the Apple App Store, Google Play, or another payment method permitted by applicable law and platform rules.

Before purchase confirmation, the system will display material information, including:

Price
Currency
Number of Credits
Bonus Credits, if applicable
Applicable taxes or charges
Promotion conditions and duration
Bonus Credit expiration, if applicable

Users must review the information carefully before confirming a purchase.

The displayed price and final amount charged may vary according to country, currency, taxes, exchange rates, fees, and the payment provider’s requirements.

05 Transaction Authorization

Confirmation through a password, device code, fingerprint, facial recognition, or another authentication method used by the payment provider constitutes authorization of the transaction through that account.

Users are responsible for protecting their:

AMA account
Apple ID or Google Account
Device
Passwords
Verification credentials
Payment methods

AMA will not request passwords, one-time passwords, full payment-card details, or payment authentication codes through chat, email, or private messages.

06 Delivery of Credits

Credits will be added to the AMA account after the system receives confirmation that payment has been successfully completed.

Delivery may occasionally be delayed because of:

Platform review
Payment processing delays
Network connectivity
Security checks
Review of an irregular transaction

If a User is charged but does not receive the Credits, the User must contact Customer Support and provide:

Order or transaction number
Transaction date and time
Credit package purchased
Amount paid
Relevant AMA account
Receipt or evidence from the Apple App Store, Google Play, or payment provider

Users must not provide AMA with passwords, one-time passwords, or full payment-card numbers.

07 Use of AMA Credits

Credits may be used only for digital content and services designated by AMA, including:

Unlocking personalized analyses
Accessing additional personal information
Using premium planning tools
Unlocking special content
Using digital functions identified as requiring Credits

The number of Credits required will be displayed before the User confirms the transaction.

Once the User confirms the purchase and the content or service has been delivered, the Credits will be deducted immediately.

Users should review the item, required Credit amount, and service description before confirmation because successfully delivered transactions are generally final.

08 Order of Credit Deduction

Where a User holds multiple types of Credits, AMA may deduct them in the following order:

Bonus Credits closest to expiration
Other Bonus Credits
Paid Credits

AMA may apply a different order where that order is clearly disclosed before the transaction.

09 Credit Validity

Paid Credits do not expire unless:

An expiration condition was clearly disclosed before purchase
Expiration is required by law
AMA permanently discontinues the entire Service
Another lawful and fair reason applies

Bonus Credits may expire.

AMA will display the applicable expiration date or usage conditions before or when the Bonus Credits are granted.

Expired Bonus Credits may be removed from the account and cannot be restored or redeemed for cash.

AMA will not impose an expiration period retroactively in a way that unfairly deprives Users of existing rights.

10 Credits Are Non-Transferable

AMA Credits are linked to the AMA account to which they were issued and cannot be:

Transferred to another account
Combined across different accounts
Bought or sold between Users
Exchanged with third parties
Used as compensation between Users
Resold through another channel

Purchasing or selling Credits outside AMA’s authorized channels violates this Policy and may expose Users to fraud.

AMA is not responsible for loss arising from unauthorized third-party Credit transactions unless applicable law provides otherwise.

11 Credit Reversals

AMA may restore Credits where:

The system deducted Credits more than once
Credits were deducted but the content or service was not delivered
Purchased content could not be accessed because of an AMA system error
A verifiable technical error caused the transaction
AMA approves a restoration based on the individual circumstances

Restored Credits will be returned to the same AMA account used for the original transaction.

A change of mind, dissatisfaction with an analysis, or failure to receive an expected personal outcome is not grounds for a Credit restoration where the content or service was delivered as described.

12 Refunds

A refund is different from a Credit restoration.

For purchases processed through the Apple App Store or Google Play, Users may be required to submit the refund request directly to the platform that processed the payment. Approval or rejection will be subject to that platform’s procedures and decision.

AMA cannot guarantee that a refund request will be approved.

A refund may be considered where:

A duplicate charge occurred
Payment was completed but Credits were not delivered
A system error caused the transaction
The product or service materially differed from its pre-purchase description
The transaction was unauthorized and sufficient evidence is available
A refund is required by law

A change of mind after Credits have been delivered, consumed, or used to access digital content may not qualify for a refund unless otherwise required by law or the payment provider.

13 Effect of a Refund or Chargeback

Where a Credit purchase is:

Refunded
Cancelled
Payment-reversed
Charged back
Declined

AMA may remove the Credits and related Bonus Credits from the account.

Where the Credits have already been used, AMA may:

Adjust the balance to a negative amount
Temporarily restrict Credit use
Restrict purchases or access to services
Revoke access to the related content
Require the outstanding balance to be resolved before further Credit use

The adjustment will not exceed the Credits or benefits associated with the reversed transaction.

14 Unauthorized Transactions

Where a User identifies an unauthorized Credit purchase, the User must promptly notify:

The Apple App Store, Google Play, or relevant payment provider
AMA through the Customer Support channel

AMA may temporarily restrict the related Credits or account during the investigation to prevent additional use or loss.

AMA may request reasonable evidence to verify identity, account ownership, and transaction information.

15 Promotions and Bonus Credits

AMA may offer promotions that include additional Credits or Bonus Credits.

Promotion-specific terms may include:

Promotion period
Eligibility
Number of Credits
Minimum purchase amount
Redemption limit
Expiration date
Eligible services
Other relevant limitations

Bonus Credits have no cash value and cannot be refunded or converted into Paid Credits.

AMA may cancel Bonus Credits obtained through:

A system error
Exploitation of a vulnerability
Creation of multiple accounts to obtain benefits
Falsified information
Violation of promotion terms
Fraud or attempted fraud

AMA will not cancel benefits validly obtained by a User acting in good faith without a legitimate reason.

16 Unauthorized Activities

Users must not:

Buy or sell Credits outside AMA
Use another person’s account or payment method without permission
Exploit an error or vulnerability to obtain Credits
Falsify receipts or payment evidence
Improperly charge back a purchase after using the Credits
Use automated systems to obtain Bonus Credits
Create multiple accounts to avoid restrictions
Alter, interfere with, or manipulate the Credit system
Use Credits for gambling, wagering, or unlawful activities
Mislead others regarding the purchase, sale, or distribution of Credits

17 Account and Credit Restrictions

Where AMA has reasonable grounds to believe that fraud, exploitation, or a serious Policy violation has occurred, AMA may:

Suspend Credit purchases
Suspend Credit use
Temporarily suspend the account
Remove improperly obtained Credits
Restrict access to related services
Terminate the account in serious or repeated cases

Removal will be limited to Credits or benefits obtained improperly unless applicable law permits otherwise.

Users may submit an explanation or appeal through [email protected].

18 Account Closure and Deletion

Before deleting an account, Users should review and use their remaining Credits.

After account deletion is completed:

Remaining Credits may no longer be recoverable
Credit history may be deleted or retained as required by law
Credits cannot be transferred to a new or different account