Refund Policy

Last updated: 2026-08-21

This Refund Policy is issued by Hongsen Interconnect (Beijing) Technology Co., Ltd. and applies to subscription plans, one-off digital products and other paid services purchased through Paibao (https://paibao.ai).

It forms part of our Terms of Service (https://paibao.ai/en/terms-of-service). Where you have signed a separate commercial contract with us, that contract governs the services it covers.

Paibao provides digital services that are provisioned and delivered immediately: access or content is released to you as soon as payment succeeds. Fees are therefore generally non-refundable, except in the cases listed in Section 2 and where the law requires otherwise.

We would rather you were sure before paying: most features offer a trial or a demo, and you can always email hi@paibao.ai to book a walkthrough or ask a question first.

Whitepapers, industry reports and similar one-off digital content become viewable or downloadable as soon as payment completes. Under Article 25 of the PRC Consumer Rights Protection Law, digital goods delivered online are not subject to the seven-day no-reason return right.

We will still refund or re-deliver where: the content clearly does not match its description on the purchase page; the file is corrupt or cannot be opened and we cannot fix it; or a technical fault caused you to buy the same content twice.

Email hi@paibao.ai from your registered address with "Refund request" in the subject line, and include:

Incomplete information slows the review down, so please send everything at once where you can.

Refunds always go back the way they came (WeChat Pay to the same WeChat account, card payments to the same card). We cannot redirect a refund to a different account.

Once a refund is processed, the corresponding entitlements — membership, quota, unlocked content — end at the same time.

Cancelling and refunding are separate. Cancelling stops future charges, and you keep access until the end of the period already paid for. A refund requires one of the cases in Section 2 and a separate request.

To cancel, see Section 5 of the Terms of Service: use your account settings, or email hi@paibao.ai.

If a charge looks wrong, contact hi@paibao.ai first. We reply within 2 business days and fix confirmed billing errors within 5 business days.

If a chargeback is raised with your bank or payment platform without contacting us first, we may suspend the account until the dispute is resolved. Almost every billing question is settled faster by email.

For consulting, website build, managed operations and other services delivered under a commercial contract, refunds and acceptance criteria follow the signed contract or order form. This policy applies to anything the contract does not cover.

We may update this policy. For material changes we give at least 14 days' notice by email or in-product notice and update the date at the top of this page.

A refund request is assessed under the version of this policy in force when you made the purchase.