Money-Back Policy

Effective date: 2025-01-01

This policy defines the mechanics of the MemStrata money-back guarantee. The friendly summary is on the pricing page. This document is the authoritative version.

---

1. The guarantee

For each billing cycle on a paid MemStrata subscription (Pro or Pro+), if your measured dollar savings are less than your subscription cost, MemStrata will credit the shortfall to your next Stripe invoice automatically.

Formula:

credit = max(0, subscription_cost - measured_dollar_savings)

The credit is applied as a Stripe credit note. It appears on your next invoice and reduces the amount charged. No action is required on your part.

---

2. Measured dollar savings

Measured savings are computed by the MemStrata client from your local ~/memstrata/telemetry.db file at the end of each billing cycle.

Computation:

measured_dollar_savings = Σ (tokens_saved_per_turn × provider_rate)

Where:

• tokens_saved_per_turn = baseline_tokens − actual_tokens_sent for each AI request in the cycle
• baseline_tokens = what a naive top-5 BM25+embedding RAG pipeline would have sent for the same query
• provider_rate = your configured input token rate (from memstrata config, or the default rate table for your provider/model)

The computation runs on your machine. The result (a single dollar figure) is sent to the license server to generate the Stripe credit. The underlying telemetry data is not transmitted.

---

3. Eligibility

The guarantee applies when all of the following are true:

• You are on a paid Pro or Pro+ subscription (not a free trial period — the trial has no subscription cost)
• MemStrata was active (harness running and indexing) for at least 7 days in the billing cycle
• The billing cycle completed normally (not cancelled mid-cycle)

Not eligible:

• Cycles where MemStrata was paused or inactive for the full cycle
• The 60-day free trial period (no subscription charge, so no credit possible)
• Free tier (no subscription cost)

---

4. Billing cycle boundaries

Your billing cycle is set by Stripe at the time you first subscribe. If you subscribed on the 15th of a month, your cycle runs from the 15th to the 14th each month.

Credits are calculated and submitted to Stripe within 48 hours of each cycle end. Stripe typically applies the credit within 24 hours of submission.

---

5. Credit cap and surplus

Credits are capped at your subscription cost for the cycle. If your savings exceed your subscription cost, the surplus does not roll over as cash — it represents MemStrata performing above the guarantee threshold, and no further credit is issued.

---

6. Dispute process

If you believe a credit was not issued when it should have been:

1. Run memstrata savings-report --cycle <YYYY-MM> to generate a local summary of the cycle’s measurements.
2. Email the report to billing@memstrata.dev with subject “Credit dispute — [your subscription ID]”.
3. We will verify within 3 business days and issue a manual Stripe credit if the data confirms the shortfall.

Your local telemetry database is the authoritative source for this dispute. MemStrata does not have a server-side copy of your usage data.

---

7. Policy changes

We will provide 30 days notice before changing the guarantee terms, by email to the address on your Stripe account and by updating the “Effective date” above.

---

Contact

Billing questions: billing@memstrata.dev