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Billing Terms

Last Updated: August 27, 2026

These Billing Terms describe how Know Reply Inc. (“Know Reply”, “we”, “us”) handles payments and subscriptions for Earnesty (the “Service”). They apply to you if your organization is an APP — a software product running an earned tier on Earnesty. By subscribing to a paid plan or saving a payment method, you agree to these terms. They form part of our Terms of Service, and should be read alongside our Refund Policy.

1. Who These Terms Apply To

These terms bind APPs — our paying customers — and the people who administer an APP’s Earnesty organization.

They do not apply to USERs, the end users of an APP who earn by posting. To be completely clear about the direction money flows:

• USERs never pay us. There is no USER-facing plan, fee, or purchase anywhere in Earnesty.
• USERs never give us payment details. We do not ask a USER for a card, a bank account, or any payment credential, and we have nowhere to put one.
• We never pay a USER money. A verified Qualifying Post results in an instruction to the APP to grant its own Reward inside its own product. A Reward is whatever that APP has chosen to give — usage credits, model tokens, additional seats or licences, entry to a Drop, a bonus month, or more than one of these at once. Whatever form it takes, it is the APP’s own in-product value: it has no cash value, is not redeemable for money, and is not transferable. See the Participation Agreement.
• There is no marketplace, no split payment, and no payout. Money moves in one direction only: from an APP to Know Reply Inc.

2. Defined Terms

• APP — a software product running an earned tier on Earnesty; our paying customer.
• USER — an end user of an APP who earns by posting. Not a party to these terms.
• Reward — whatever an APP grants its USER for a Qualifying Post, in the APP’s own product. Rewards take whatever form the APP chooses — usage credits, model tokens, seats or licences, entry to a Drop, a bonus month — and an APP may offer more than one form. Earnesty never issues, holds, or transfers a Reward; we verify the post and relay the instruction.
• Credits — the most common form of Reward, and the one most of our examples use: an APP’s own in-product usage currency. “Credits” is an example of a Reward, never a limit on what a Reward may be.
• Service Credits — the units an Earnesty plan may include for optional metered add-ons, such as on-demand insight runs. They are granted by your plan or earned by posting; they cannot be bought (Section 6). They are a service allowance, not a Reward, not a gift card, not a stored-value instrument, and not redeemable for cash. Verification is never one of these add-ons — see Section 7.
• Claim — the single redeemable reward a USER holds at any one time.
• Qualifying Post — a public post that passes Verification and earns a reward.
• Drop — a bounded campaign an APP may run.

Two different things, never the same thing. A Reward moves from an APP to its USER, in the APP’s product, and never involves us financially. Service Credits move from you to us, and buy our metered work. Nothing you buy from us is ever spent on a Reward.

3. Payment Processing

All payments are processed securely through Stripe. We accept major credit and debit cards, including Visa, Mastercard, American Express, and Discover.

• We never store full card numbers. Card data goes directly to Stripe from your browser. What we keep in our own systems is a Stripe customer identifier and a payment method token — never a full card number, and never a CVC.
• Stripe is a PCI-DSS Level 1 service provider, the highest level of certification available in the payments industry.
• Currency. All charges are in US Dollars unless we state otherwise at checkout.
• Authority and authorization. By saving a payment method, you confirm you are authorized to use it and to commit your organization to charges made against it.
• A saved card is only ever charged for your subscription. We do not operate any automatic top-up against a stored card. The only recurring charge is your plan renewal, described in Section 8. If we ever introduce an optional paid add-on, we will obtain a separate express authorization with the actual amounts in front of you first — see Section 6.

4. Plans and Billing Cycles

Earnesty is sold in plan bands. Each band sets your durable capacity (the number of enrolled earning USERs your plan supports), your ceiling on earned capacity, your Drop allowance, and your included Service Credit allowance. The bands are:

• A free earned band — a real, permanent free tier with meaningful durable capacity. No card required. Verification runs at full speed here, exactly as it does on every paid band.
• Two self-serve paid bands — progressively larger capacity, Drop allowances, included Service Credits, priority Verification queues, and additional modules.
• A custom band for organizations above the largest self-serve tier, priced by agreement.

Current prices, capacities, and allowances are published on our pricing page at https://earnesty.app, and that page is authoritative. We do not restate prices here, because they change. Price increases to an existing subscription take effect with at least 30 days’ advance notice by email, and never mid-period.

Paid plans are available on two billing cycles:

• Monthly billing — you are billed on the same date each month. If you subscribe on the 31st, months without a 31st bill on the last day of that month.
• Annual billing — you are billed once per year, in full, at the start of each billing period, at a discount to twelve months of monthly billing.

Included Service Credits. Each paid plan includes a Service Credit allowance that is granted at the start of every billing period. The included allowance is a period allowance: whatever is unused at the end of the period expires when the next allowance is granted, and does not roll over. There is no way to buy more — see Section 6.

5. Your Service Credit Allowance

Service Credits pay for optional metered add-ons. We do not currently offer any paid add-ons, so today there is nothing a Service Credit balance is spent on — see Section 6.

Where a plan carries an allowance, it is held in two buckets and drawn down in a fixed order:

1. Included — your plan’s allowance for the current billing period. Spent first. Expires at the end of the period, as described above.
2. Earned — Service Credits your organization earned by posting publicly about Earnesty. Spent second. Subject to a per-plan earned ceiling. Earned Service Credits are preserved across upgrades and downgrades.

There is no way to buy Service Credits. We do not sell them, and there is no top-up purchase and no automatic recharge against a stored card. Your current allowance is visible at any time in Billing settings at https://go.earnesty.app.

6. Optional Paid Add-Ons

We do not currently sell any add-on, top-up, or prepaid balance, and nothing in these terms authorizes a charge for one.

We may introduce optional metered or prepaid add-ons in future. If we do, we will publish their terms and obtain your express authorization, with the actual amounts in front of you, before charging you for one. An authorization given for a service that does not yet exist would not be a real authorization, so we do not ask for one here.

What this means today: the only thing we charge you for is your subscription. There is no automatic charge against a stored card, no balance you can be surprised into buying, and no recurring charge other than your plan renewal under Section 8.

7. Earning Never Reduces Your Invoice

Earnesty runs its own earned tier. Posting publicly about Earnesty earns your organization capacity — durable earning-user slots, and Service Credits in your Earned bucket — up to your plan’s earned ceiling.

Earning never produces a discount, a credit note, or a reduction against an invoice. This is deliberate, and it is a promise in your favor:

• Your subscription price is set by your plan band and billing cycle and by nothing else — it never fluctuates with posting. Nothing you are charged is a function of how many posts your USERs make, how well those posts perform, or how many Rewards you grant.
• Verification is free, unmetered, and included on every plan — including the free band. There is no per-post fee, no per-post debit, and no balance you can run out of that would stop a post being checked. We find posts by searching for your tag on a daily sweep, plus on-demand checks; the cost of that is ours to carry and it is part of what a plan is. This is the basic-infrastructure promise underneath the whole earned tier: a USER’s post gets verified because they posted it, not because their APP’s balance was topped up.
• Rewards your USERs earn are never billed to you by us. A Reward an APP grants — credits, tokens, seats, a Drop entry, whatever form it takes — is its own in-product value. We verify the post and relay the instruction; we never issue, hold, or invoice for a Reward. What you buy from us is a plan, and optionally some metered add-ons — never the Reward itself.
• Earned capacity is additive, not subtractive. It raises your ceiling and postpones the moment you need a bigger plan. It never changes your subscription price.
• Earned capacity never resets, and is preserved across upgrades and downgrades.
• We will never make posting a billing chore. You should never have to post to keep your subscription price down.

8. Auto-Renewal and Cancellation

Paid subscriptions renew automatically at the end of each billing cycle, at the then-current price for your plan, charged to your saved payment method, unless you cancel before the renewal date.

• Advance reminder. We email a renewal reminder before every renewal: at least 7 days before a monthly renewal, and at least 30 days before an annual renewal. The reminder states the renewal date, the amount, the payment method we will charge, and a direct link to cancel.
• How to cancel. Cancel at any time in Billing settings at https://go.earnesty.app — no phone call, no retention queue, no email required. You can also cancel by emailing hello@earnesty.app; we will process it and confirm by email.
• When cancellation takes effect. That depends on your billing cycle:
  • Monthly billing — cancellation takes effect at the end of your current billing period. You keep your paid features until then, and we do not charge you again.
  • Annual billing — cancellation takes effect at the end of the current month, not the end of the year, and we refund the unused remainder of your annual term on a pro-rata basis through Stripe. You are not locked into the rest of the year because you paid for it up front.
• No retention gate either way. We do not require a call, a chat, or a reason. The cancel control is in the same place as the subscribe control.
• What cancellation does to your obligations to USERs. Cancellation closes the faucet for new Claims. It does not unwind promises already made — see Sections 10.3 and 10.4, which apply equally to cancellation.

What happens to your account and data if you cancel

We do not touch your balances when you cancel. Your earned capacity and any Service Credit allowance are left exactly as they stand — not zeroed, not converted, not recalculated. Your included allowance stops renewing, as it would at any period end, because it is a benefit of an active plan.

• Reactivate within the retention window and everything is as you left it. Your earned capacity, your enrolled USERs, and your posting history all come back unchanged. There is no reconciliation step.
• The retention window is 90 days from the date your cancellation takes effect. We hold your account data for that period so that reactivation is a single click.
• After 90 days we delete your account data, except the minimal records we are required to keep: the settlement and disclosure evidence described in the Program Rules, and the invoices and tax records we are legally obliged to retain.
• Deletion is final, and it includes your balances. Any remaining Service Credit allowance and any earned capacity are deleted along with the account data. Reactivate inside the 90 days and none of this happens; leave the account past 90 days and the balances go with it.
• You can ask us to delete sooner. The 90 days is a convenience, not a lock-in. Email hello@earnesty.app and we will delete on request, subject to the same minimal-record exception. Your rights under the Data Processing Addendum — including deletion or return of APP Data on termination at your election — are unaffected and take precedence.

9. Failed Payments and Grace Period

9.1 The ladder

If a scheduled subscription payment fails — an expired card, insufficient funds, a decline — we will:

1. Notify you by email immediately after the failed attempt, with a link to update your payment method.
2. Retry the payment up to 3 times over the following 7 days.
3. Give you a 14-day grace period, during which your paid features remain fully active while you sort the payment out.
4. Downgrade your account to the free band if the payment is still unresolved at the end of the grace period.

Updating your payment method at any point in this ladder resolves it. We charge the outstanding amount and everything continues as normal.

9.2 What a non-payment downgrade does

A downgrade for non-payment closes the faucet. Specifically, from the moment of downgrade:

• New Claim issuance stops. No new Claim is issued to any USER.
• New enrollment stops. No new USER is enrolled beyond the free band’s durable capacity.
• New Drops cannot be created.

9.3 What a non-payment downgrade never does

This is the part that matters most, and it is not negotiable:

• Enrolled USERs are never invalidated. A USER who was enrolled before the downgrade stays enrolled. Capacity limits gate new enrollment only — they never retroactively unseat someone.
• Issued Claims are always honored. A Claim that was issued before the downgrade continues to be evaluated and settled, against the terms snapshot in force when it was issued and at the timestamp of the USER’s post. A downgrade does not reduce, revalue, or cancel it.
• Open Drop windows run to their end, on the terms they were launched with.
• Reply bonuses on posts already made are still settled, five days after each post’s own timestamp, on the terms snapshot in force when the Claim was issued.
• Verification does not slow down or stop for the Claims still in flight. Verification and delivery are never gated by billing state or plan. Only speed and on-demand depth are priced.
• There is no balance that could block it. Verification is not metered and is not charged against your Service Credit balance — not in the ordinary course, and not during wind-down. So the commitments above hold in practice and not merely on paper: honoring an issued Claim can never be blocked by a balance, a band, or an expired allowance, because nothing about Verification depends on any of them.

9.4 Why both are true at once

The two sections above are not in tension. A downgrade for non-payment is forward-looking: it stops us making new promises on your behalf. It never reaches backwards into promises already made to your USERs, who are not parties to your contract with us, cannot see it, and could not have influenced it. Your outstanding obligation after a downgrade is therefore always finite and computable — the issued Claims, the open Drops, and the reply bonuses not yet settled — and nothing more. Each pending settlement has a known date, so the total is not merely finite but calculable to the day. It winds down; it is never cut off.

The same reconciliation applies to cancellation, and to a voluntary downgrade under Section 10.

10. Plan Changes

Upgrades

An upgrade takes effect immediately. You are charged a pro-rated amount for the remainder of your current billing cycle, and the new plan rate applies from your next billing cycle. Your new band’s capacity, Drop allowance, and included Service Credit allowance are available as soon as the upgrade is processed.

Downgrades

A downgrade takes effect at the end of your current billing cycle on monthly billing, and at the end of the current month on annual billing, matching the cancellation timing in Section 8. You keep your current band’s features until then. No partial refund is issued for a downgrade on a monthly plan; on annual billing the unused remainder of the term is refunded pro-rata through Stripe, as it is on cancellation. See the Refund Policy.

What a plan change does to capacity

• Earned capacity is preserved across both directions. Earned earning-user slots and Earned-bucket Service Credits survive an upgrade and survive a downgrade. They never reset. A downgrade may lower the ceiling on how much more you can earn; it never claws back what you already earned.
• Your Paid bucket is untouched by a plan change, in either direction.
• Your included allowance becomes the new band’s allowance from the moment the change takes effect. Unused included Service Credits from the old band expire at that point, as they would at any period rollover.
• A downgrade below your current enrolled USER count does not unseat anyone. You simply cannot enroll new USERs until you are back under your capacity — by earning capacity, upgrading, or waiting. Section 9.3 applies in full.

11. Taxes and VAT

Prices displayed on our website are exclusive of applicable taxes unless we state otherwise. Depending on your location, your subscription may be subject to sales tax, VAT, GST, or other applicable taxes. These are calculated and added at checkout based on the billing address and tax details you provide.

If you are a business customer in the EU and provide a valid VAT identification number, your purchase may be exempt from VAT under the reverse-charge mechanism. Keeping your billing address and tax identifiers accurate and current is your responsibility; if incorrect details cause us to under-collect tax, you are responsible for the shortfall.

12. Invoices and Receipts

An invoice is generated automatically for every subscription charge. All invoices are available in Billing settings at https://go.earnesty.app, and each shows a breakdown of charges, applicable taxes, and payment details.

Your Service Credit ledger — every grant, every purchase, every expiry, and every debit — is available in the same place, so any charge on an invoice can be traced to the activity that caused it.

If you need a custom invoice format, a purchase order reference, or additional billing documentation, contact us at hello@earnesty.app.

13. Contact Us

For billing questions, payment issues, or anything in these terms, contact us at hello@earnesty.app.