Refund Policy
25 September 2026
Tian Qi sells token packs and one off written reports in USD via Stripe. This policy covers what happens after a purchase of either.
1. Token packs
All token purchases are final and non-refundable. Once a pack is purchased and the tokens are issued to your account, the purchase cannot be reversed, whether or not the tokens have been used.
Tokens remain available for one year from the date they are issued. The Token Expiry panel in your wallet shows what is left and when it lapses. Expiry is paused for as long as you hold an active membership.
You are only charged for work that is delivered. A token is consumed when an AI response is delivered for it. If a request fails before the model produces output, no token is charged.
2. Written reports
A written report, such as the 2027 Vault reading, is prepared for you individually after you pay. It is not a file we hold ready in advance: your own charts are calculated and the reading is written from them, which usually takes up to an hour and arrives a chapter at a time.
If a report cannot be written for you, we put it right. Sometimes a chapter cannot be written from your charts. When that happens we tell you which one, we never invent anything to fill the gap, and you are not expected to sort it out yourself. Write to tianqi@masterseanchan.com and we will either complete it or refund you, depending on how much of the reading arrived. If none of it could be written, you are refunded in full.
Once a report has been delivered in full it is yours permanently and the purchase is final, in the same way a completed reading is. This does not affect your statutory rights.
3. Billing problems
If you believe you have been charged incorrectly, for example a duplicate charge or a charge you did not authorise, contact us via masterseanchan.com with:
- The email address on your Tian Qi account.
- The Stripe receipt number (begins with cs_ or visible in your Stripe email).
- A short description of the problem.
We will investigate and correct genuine billing errors. This is separate from the policy above: correcting a mistaken charge is not a refund of a valid purchase.
4. Chargebacks
Contact us before disputing a charge with your bank. This is a required first step. Almost every billing question is resolved faster directly with us than through a dispute, which typically takes 60 to 90 days to conclude.
Tokens are a digital product delivered to your account immediately on purchase. A written report is prepared after you pay and is delivered into your account chapter by chapter, usually within an hour. In both cases we retain records of the purchase and of what was delivered against it, including timestamps, the tokens issued and spent, and for a report the time and length of every chapter written. Where a dispute is raised on a purchase that was delivered, we will contest it and submit those records as evidence.
If you raise a chargeback, the following apply:
- Stripe locks the disputed amount until the case resolves, which is outside our control.
- We reserve the right to suspend or close your Tian Qi account, and to revoke any remaining token balance, while the dispute is open and after it concludes.
- We reserve the right to decline future purchases from the account or payment method involved.
- Where permitted by law, we may recover the dispute fee charged to us by the payment network, which applies whether or not the dispute succeeds.
None of this is intended to discourage you from raising a genuine problem. If a charge is wrong, or a reading did not arrive, tell us and we will put it right. The purpose of this section is to route real problems to the fastest fix rather than the slowest one.
5. Bonus and promotional tokens
Tokens granted as part of the welcome bonus, promotions, referrals, or admin grants hold no cash value and are not exchangeable for cash.
Sage passes — whether earned through quests or included with a membership — hold no cash value, cannot be exchanged for tokens or cash, and cannot be transferred.
6. Memberships
A membership is a 12-month commitment and there is no mid-term refund. You keep full access until the end of the term. Turning off auto-renewal stops the membership renewing after the term — it does not end the term early, and on a monthly plan the remaining instalments are still charged.
Sage and Oracle memberships include a monthly allowance of Sage passes (25 with Sage, 50 with Oracle). Tian Qi Sage readings are paid for only with Sage passes: one pass covers one Sage question. Regenerating its reply, continuing a reply that was cut short, confirming one chart that Sage proposes, and answering one clarifying question that Sage asks before a chart is confirmed do not use a further pass; a new question, a further chart or a further clarifying answer uses a new pass. Unused membership passes carry over from month to month for as long as your membership stays active, and expire 30 days after it ends. If a membership payment is refunded in full, or disputed with your card issuer, the unused Sage passes issued for that billing period are withdrawn; passes you have already used are not affected. If a dispute is resolved in our favour and the payment was not refunded, the withdrawn passes are restored.
7. Changes
We may update this policy as the product changes. Updates are reflected in the "Last updated" date above and apply to future purchases only. Existing purchases retain the policy in effect at the time of purchase.