What is the credit refund policy?

According to the current Pricing page policy in the app:

Refunds

Ciwi does not offer refunds for plan charges or credit purchases. You can cancel future billing, but the current period continues until the billing window ends.

Subscription credits

Subscription-plan credits reset at the end of each billing cycle. They are meant to support the active subscription period rather than accumulate forever.

Extra purchased credits

Extra credits are treated separately from plan credits. The current Pricing copy states that extra credits do not expire and are used when plan credits run out.

Cancel or downgrade behavior

The current Pricing policy also states that unused credits remain available for 3 more months after cancellation or downgrade, even though lower plans may expose fewer features.

Because billing behavior is product policy, always check the latest wording on the in-app Pricing page if you are making a purchase decision.