AI companion refunds: why yours is refused before you ask

On most AI companion platforms, a refund request is decided before you write it. Not because support says no, but because the answer was settled at checkout: by a window that closed a day after payment, by the credits you spent while trying the product, or by a box you ticked to get access straight away.

This guide takes those three locks one at a time, then sets out what consumer law gives you whatever the policy says — and what it does not. We read the refund policies, terms, help pages and checkout wording of all nineteen platforms in our rankings between 14 and 21 August 2026. We requested no refund ourselves: everything below is what the platforms document, and we say where their own documents disagree.

What each platform promises

Start with the map. The first column is the platform’s own commercial refund — the one it chooses to offer. The last is whether its documents describe the statutory withdrawal right that EU and UK buyers have anyway.

Read from the refund policies, terms, help pages and checkout screens published by the nineteen platforms we rank, between 14 and 21 August 2026. “No clear process found” means we looked and found none in those documents; “not described” means the documents we read do not address it. We requested no refund and tested no withdrawal: this is what each platform says, not what it does. Terms change regularly — check the current policy before you pay.

Read across the rows and three patterns appear. Five platforms give you a window measured in hours. Seven attach a usage condition that a short trial can exhaust. And eleven offer no refund window for a subscription at all — at most a case-by-case review for errors or technical problems. Only two, Get Harder and Promptchan, give thirty days, and both make the request depend on how much you used.

Lock one: a window counted in hours

Candy AI, FLIRTcam.AI and GoLove accept a request within 24 hours of payment. DONDI‘s Terms and DarLink AI‘s Terms say the same — DarLink adds that the decision is at its discretion.

Twenty-four hours is shorter than it sounds. Pay in the evening, try the product, sleep, go to work: by the time you know whether the paid version is worth it, the window has closed. It is a window for a mistake — the wrong plan, a double charge — not for a change of mind after trying the thing.

Three of the five add a second filter: card payments only. Candy AI, FLIRTcam.AI and GoLove apply their general refund route to card purchases; DONDI asks for an “eligible payment method”. Pay another way and the commercial window may not exist for you at all. Crypto goes further: Promptchan and OurDream AI both describe crypto payments as final.

Lock two: the credits you already used

The window is the visible lock. The usage threshold is the one that does the work, and it is written into seven of the nineteen policies.

• A token count. Candy AI and FLIRTcam.AI refuse a subscription refund once more than 20 tokens have been used; GoLove once more than 20 subscription Stars have.
• A share of the product. OurDream AI’s guidance says anything more than 25% consumed is normally not refundable.
• An undefined amount. DarLink AI and DONDI speak of “minimal use”; Promptchan of no “significant” AI use, without saying what significant means. Get Harder sets no threshold but says it reviews your usage history.
• Zero, for packs. A credit pack bought on its own is usually refundable only untouched — on FLIRTcam.AI if none of its tokens were used, on GoLove if none of its Stars were, on DONDI only if they are unused.

How far twenty tokens go depends on each platform’s rate card, and credits and coins, explained shows how to convert any of them into real money. The point here is structural: the only way to know whether the paid plan is worth it is to use it, and using it is what ends the refund.

There is one kind of refund that works without asking, and it is worth knowing because it is often confused with the other. When a generation fails, some platforms return the credits. On OurDream AI, our two failed character generations were marked Refunded and the DreamCoins came back automatically — tested, on our account. Xotic AI promises to refund the last unused minute of a voice call. Those are credits returned for a service not delivered. They say nothing about getting your money back.

Lock three: the box you ticked at checkout

If you live in the EU or the UK, consumer law gives you 14 days to withdraw from a contract made online, without giving a reason. That right exists whatever the platform’s own refund policy says. Seven of the nineteen describe it in their documents; eight have no clear process we could find; four do not describe it.

The catch is an exception written into the same law, and it is the reason the checkbox exists. For digital content — credits and tokens are the obvious case — the right to withdraw ends once delivery starts, if you expressly asked for immediate access and acknowledged that you would lose the right. That acknowledgment is the box at checkout. FLIRTcam.AI‘s policy says its 14-day right can end once you give that consent; Swipey AI‘s Terms say withdrawal can be lost once performance begins with your consent.

For a subscription treated as a service, the law works differently: you can still withdraw within 14 days, but you pay for what you used. That is the “proportional deduction” several policies mention. Candy AI gives 14 days on the first purchase minus what you have already used. Secrets.ai gives a full refund on a first subscription if Premium features were not used, a partial one if they were. Dreamz.ai describes 14 days with a proportional charge if the service started early. Which of the two regimes applies to a given companion plan is not something the policies settle, and the answer can depend on how the plan is built.

Two details matter in practice. Candy AI’s wording applies the right to the first purchase, not to renewals — do not count on it for the third month. And the right is to withdraw, which ends the contract: on GoLove, a refund immediately cancels the plan and removes the remaining credits; on FLIRTcam.AI, a refund or chargeback can revoke access at once.

What the law gives you, whatever the policy says

A policy that says “all sales final” does not remove a right the law gives you. Several of the nineteen concede it in their own wording — DONDI says mandatory law can prevail, Swipey AI makes purchases final except where mandatory law applies, GPTGirlfriend allows for stronger local law. What that means depends on where you are.

• EU and UK. The 14-day withdrawal right, with the exceptions above. The exception only works if the conditions were met: express consent to immediate access, an acknowledgment that you lose the right, and a confirmation of that consent from the trader. If the checkout never asked, the exception does not apply as written. If the trader never told you about the right at all, the withdrawal period does not simply end after 14 days: it can extend by up to twelve months.
• United States. There is generally no statutory cooling-off right for an online subscription: the platform’s policy is most of what you have. Some states have narrow rules — Get Harder’s policy mentions a three-business-day right in California and Connecticut.
• App stores. A subscription bought through the App Store or Google Play is refunded by the store, under the store’s process. Kindroid documents this for its mobile subscriptions. Asking the platform for that refund gets you nowhere.

None of this is legal advice, and we have tested none of it. It is the frame in which a refund request is read — and it explains why the same refusal email can be final in one country and open to challenge in another.

When the documents contradict themselves

Four platforms publish refund rules that disagree with each other, which is worse than a strict policy: you cannot know which one support will apply.

DONDI is the sharpest case. Its pricing page advertised a “7-Day Money Back Guarantee”. Its Terms allow a request within 24 hours, with minimal use and an eligible payment method. And the token-pack interface described sales as final. Three documents, three answers. DarLink AI‘s Terms mention a 24-hour request at its discretion, while its standalone refund policy covers only fraud, a billing or platform error, or a termination that was not your fault. Swipey AI‘s Terms call purchases final while its Help Center says requests are reviewed case by case; Xotic AI‘s Terms and billing FAQ split the same way.

A contradiction works in your favour only if you can point to it. If you ask for a refund on DONDI, quote the guarantee from the pricing page, with a screenshot taken before you paid. That is the whole case for capturing the pricing page at checkout: the version you were sold is the one you can argue from.

How to ask, and what to keep

Refunding is a separate request from cancelling. Cancelling stops the next charge; on almost every platform we read, it does not return the current one. How to cancel covers the first; this is the second.

• Ask fast. Where a window is counted in hours, send the request the same day, even if you are still deciding.
• Ask in writing, to the address the refund policy names, from the email on the account.
• Name the basis. The policy’s window, a billing error, a failed service — or, in the EU and UK, the statutory right to withdraw. Saying which one you invoke changes how the request is read.
• Give the facts: the plan, the date and amount charged, the transaction reference, and what you used.
• Keep everything: the pricing page as it was, the checkout screen, the confirmation email, the request and every reply.

Do not ask the companion. Several of our tests caught companions giving wrong answers about the product they run on — OurDream AI‘s claimed it did not run a subscription service at all. Refund rules live in the policy and the account screens, never in the chat.

And treat a chargeback as the last step, not the first. FLIRTcam.AI says it can revoke access immediately, Kindroid says it may ban users who dispute charges, and DarLink AI says a dispute may involve sharing records, including private messages when necessary, with the processor or bank. A dispute is for a charge you did not authorise or one that ignored a cancellation you can prove.

What this changes before you pay

The refund policy is a buying criterion, not a fallback. It decides how much a bad choice costs you. On a platform with no refund window, a yearly plan is a year paid with no way back; that is why our checklist before you pay says to start month to month.

Try free first, for longer than you think. The usage thresholds mean the paid trial is not a trial. Whatever you can learn on the free tier, learn it before the card comes out. Free AI girlfriend apps shows how far each free tier goes.

A generous policy is a signal. It is not proof of quality, but a platform that gives thirty days or a clear statutory process is betting you will stay. Cancellation and refunds is one of the nine criteria behind every score in the rankings, and each review details it. The labels used on this page — documented, tested, not tested — are explained in how we test AI companions.

⚠ This guide reads published documents and contains no affiliate links in its text. The reviews it links to do: if you click through and subscribe, AI Companion Atlas may earn a commission, at no extra cost to you. Every policy, help page and checkout screen behind this page was read between 14 and 21 August 2026, and we requested no refund ourselves. Nothing here is legal advice: refund terms change without notice, and consumer rights depend on where you live — check the current policy on the platform before you pay. The sidebar banner is a paid advertisement: an affiliate link to LiveJasmin, a live webcam service this page does not rate.