Billing, Tokens and Refund Policy

Last updated: 18 October 2026

This policy explains how you pay for Lumy, how plans and tokens work, when tokens expire, and the limited cases in which we give money back. It forms part of our Terms of Service. Prices, packs and allowances shown on the Pricing page at the time you buy also form part of it.

Plans are coming soon. Lumy has a Free plan and, once plan checkout opens, paid plans (Starter, Pro and Studio) and top-up packs. No paid plan can be bought today, and until paid plans go live, the plan lineup shown on the Pricing page is a proposal that may change. A paid plan renews each billing period until you cancel (section 7).

Nothing in this policy limits rights you have under laws that cannot be changed by contract.

1. Payments today

Real payments are opening soon, and no plan can be bought today. Today, you can join the waitlist on the Pricing page. Joining saves your place and the price shown at that time. Joining the waitlist is not a purchase and creates no obligation to buy.
Test checkout. Invited testers may use a test checkout. No card is asked for and nothing is charged. Test purchases may be reset, changed or removed at any time and have no value.
When real payments open, they run through a certified payment provider. Lumy never sees or stores your full card number. Receipts and invoices will be sent by email. The payment provider's records of a transaction are conclusive unless you show a clear error.
The rest of this policy applies to real payments from the moment they open.

2. Tokens

Building uses tokens. Each step uses tokens according to the real work it takes: the AI work, images, hosting and storage behind it. Each step is charged at what it really costs us plus 50%. Small tweaks cost a few tokens; larger systems cost more.
Typical costs (guidance only, not a quote): an average change about 22 tokens (usually between 10 and 35), a fix about 17, a polish about 24, repainting an image about 7, and a first preview about 480.
Models. Opus 5.5 uses about 2 times the tokens and Fable 5.1 about 5 times. Earlier models use their own rates: Opus 5 and Opus 4.8 about 2.5 times, Sonnet 4.6 and GPT-5.4 about 1.5 times, GPT-5.5 about 3 times, Sonnet 5 and GPT-6 Sol the normal rate. Forcing one model can use more tokens than Auto mode.
Holds. Before a step runs, Lumy holds an estimate. When it finishes, you pay what it really used and the difference comes back automatically. Your balance never goes below zero.
First project. Your first preview is charged like any other step, from your starting tokens first.
Fixes and repairs, including "Fix what broke", are charged like any other step, from your tokens.
Chats in Chat mode are charged like any other step, from your tokens.
Rolling back to an earlier version is free.
Direct text edits in Layout edit (double-click a text and type) are not charged when you make them. Their small cost, usually a couple of tokens and often nothing, is added to your next change, and that change's receipt says so, for example "includes 3 text edits".
A build that never arrives is refunded. If a website build is charged but no version of it is ever saved (for example the page was closed and the build could not be recovered), the tokens for that build are returned automatically within about 20 minutes.
Billing page. Every step is listed on the Billing page with its tokens and time. We decide how tokens are measured, and our metering records are final unless you show a clear error.

What tokens are. Tokens are a limited, revocable licence to use Lumy. They are not money, not a deposit, not stored value and not your property. They have no cash value, cannot be sold, transferred, gifted between accounts or exchanged for money or anything else, and are not refundable, except where the law requires otherwise. We may change token costs, allowances and the way tokens are measured, with notice to paying users where a change reduces what they have paid for.

3. Plans

Plans. Lumy offers four plans: Free ($0), Starter ($20 a month), Pro ($50 a month) and Studio ($100 a month). Paying for a year is 20% cheaper than twelve months, billed once a year. Each plan includes a number of tokens that refresh each month (Free: the 7-day streak only), a number of published games, how long your Data history is kept (section 5D), and the other features listed on the Pricing page at the time you subscribe.
Plans are not live yet. Paid plans are coming soon and cannot be bought today. Until they go live, the plan lineup, prices and allowances on the Pricing page are a proposal and may change before launch.
Monthly tokens. Plan tokens refresh each month and unused plan tokens roll over one month: they expire 2 months after they were issued. The proposed monthly amounts are Starter 1,800, Pro 4,500 and Studio 9,000 tokens. Free accounts have no monthly plan tokens; every account can earn streak tokens (section 5B).
Switching and cancelling. You can cancel or switch plans at any time from the Billing page (section 7). You keep your projects and what you built.
Enterprise terms are agreed in writing. Write to hello@luminary.gg or open a ticket under "Business and teams".
Team workspaces, roles and single sign-on are on our roadmap and are not available today. No purchase entitles you to a feature that has not yet been released.
Prices are in US dollars and exclude taxes unless the Pricing page says otherwise.

4. Top-ups and hosting

Top-ups are one-time purchases of extra tokens on top of your plan, at 60 tokens for $1. The $10 pack is available to every account. The Small, Medium and Large packs are available with a paid plan. The table shows the base pack; plan members get extra tokens on every pack (next bullet):

Pack	Price	Tokens
$10 pack	$10	600
Small	$20	1,200
Medium	$50	3,000
Large	$100	6,000

Plan members get extra tokens on every pack they buy: Starter +10%, Pro +20% and Studio +30% (for example a $10 pack gives 660, 720 or 780 tokens). Free accounts get no extra tokens. The extra tokens are added when the pack is added, depend on your plan when you buy, and are not given for packs bought before you joined the plan. Paid plans are coming soon and cannot be bought today, so these amounts are a proposal that may change before launch.
Top-up tokens, including any extra tokens on the pack, stack with your monthly plan tokens and expire 12 months after they are issued.
Auto-reload (open to every account with a card on file, off until you switch it on): when your balance drops under an amount you set (100 tokens by default), we buy a pack for you (the $10 pack by default), never past the monthly cap you set ($50 by default).
Hosting, data and what your apps use. See section 4A.

4A. Hosting, data and live projects (since 6 October 2026)

Paid before it runs. Everything a live project uses is charged to the project owner's Tokens at our real cost plus 50%: storage (versions, published pages, files, saves and app records), visits and traffic, database work (each operation, the rows read or saved and the time the query takes on our database), people in multiplayer rooms, emails your apps send beyond the first 5 a day per app, AI answers inside your apps, connector calls and webhooks, and anything that runs for you in the background. It is never billed to your apps' users. Before each call runs we set aside Tokens for it (a few at a time) and then use what it really cost. Unused Tokens set aside go back to your balance. A call your Tokens cannot cover does not run. We never run it on credit and never bill it afterwards.
Hosting allowance. If your Account built something or bought Tokens in the last 30 days, the first 80 Tokens of hosting and data each calendar month are on us. Accounts without a build or purchase in the last 30 days get no allowance. AI, messages and connectors are never in the allowance.
Limits. Each live project has a daily limit (200 Tokens by default) and a monthly limit (1,600 Tokens by default). You can change both on the Billing page; raising one asks you to confirm. We email you at 50%, 80% and 100% of the daily limit. At a limit, the project's sign-ins, saving, messages, AI and connections pause until the next day or month. On our shared database, one app may run up to 1,200 operations a minute and 6 at once, and each query stops after 2 seconds; beyond that, requests wait, and we may offer a dedicated database (its real cost plus 50%, paid in advance) or moving the app to your own cloud account.
Running low. When your Tokens would last about 7, 3 or 1 more days at the pace your live projects use them, we tell you by email and in the studio.
Out of Tokens. On the same day your balance reaches zero, your published sites, apps and games rest (visitors see a short "This site is resting" page), and rooms, connections, AI, messages and background work stop. There is no grace period. A top-up switches everything back on at once.
What we keep, and for how long. After your projects go to rest we keep their files, versions and app data for 30 days, so a top-up restores everything. We email you on day 0, day 21 and day 28, and each email explains how to keep a copy with Download code. After 30 days out of Tokens, your published copies, your app data (records, files, saves and scores) and your project versions are deleted and cannot be restored. Your Account and your project names remain. Keeping these files for 30 days is at our cost.
Old versions. Each project keeps its last 20 versions, its published version and any version you pin. Versions older than 90 days beyond those are deleted, after an email 7 days before.
No refunds for use. Tokens used by live projects are not refundable. Tokens that were set aside and not used always come back.

5. Which tokens are used first, and expiry

Tokens are used in this order: whichever tokens expire soonest first.
Starting tokens expire 30 days after they are given.
Top-up tokens and referral tokens expire 12 months after they are issued.
Streak tokens expire 30 days after they are given.
Tokens returned after a failed step expire 2 months after they are returned.
Monthly plan tokens refresh each month and roll over one month: they expire 2 months after they were issued.
Tokens are forfeited, without refund, when they expire and when an account is terminated for breach of our Terms.

5A. Starting tokens

Starting tokens. When you first log in, your account receives 720 starting tokens, enough for a first preview and a few small changes. They expire 30 days after they are given. They are given once per person: the limit is counted per email address and per Google account, and still applies if an account is deleted and opened again or a second account is opened.
Running out. When your balance is below the next step, the studio shows your options: collect your streak tokens, other ways to earn tokens when offered, or pay.
Every step is charged from your tokens, including chat messages and "Fix what broke" repairs.
When free tokens rest. To keep Lumy sustainable we may pause free tokens for everyone for a while (no new starting tokens or streak tokens, and no refunds of rolled-back changes). Refunds when our service fails stay, and everything paid with tokens you bought keeps working.

5B. The 7-day streak and other ways to earn

7-day streak (all plans). Open the studio each day (days follow UTC) to collect that day's streak tokens, the same on the Free plan and every paid plan. Streak tokens for days 1 to 7 are 5, 5, 10, 10, 15, 15 and 40, which is 100 in a full cycle. If you miss a day, the streak restarts at day 1, and after day 7 it starts again, so one full cycle pays out about once a month.
Other ways to earn. We may offer other ways to earn tokens, such as watching a limited number of ads a day or helping other creators with feedback. Where offered, their amounts, daily limits and conditions are shown in the studio, feedback tokens are paid only after the creator confirms the feedback is solid, and all of them are bonuses under section 5C. Some may not be available yet.

5C. Rules for every bonus

The starting tokens, streak tokens, referral tokens and other tokens earned or given for free are bonuses. (Extra tokens on a pack are top-up tokens, covered by section 4 and section 8, not by this section.) They:

have no cash value and cannot be sold, transferred or exchanged for money or anything else;
expire as stated in this policy;
are not refundable, including when a related purchase is refunded, in which case we may remove the related bonus;
are subject to the caps stated in this policy, per person as well as per account; and
may change. We may change, pause or end any bonus for the future at any time. Bonuses already received keep the rules that applied when they were given, until they expire.

We may withhold or remove bonuses obtained through abuse, such as multiple accounts, automated activity or steps made only to earn a bonus.

5D. Plan perks

What each plan gives. Each plan opens the features listed for it on the Pricing page at the time you subscribe, for example removing the Lumy badge (Starter and up), or private games, a custom domain and priority builds (Pro and up), or unlimited published games and team seats (Studio). Seats, private games, a custom domain and priority builds are not available until we release them.
PvP with friends. Starter, Pro and Studio include PvP options to play your game with friends, hosted by us at our cost, where the game supports it and subject to fair use. We do not promise any capacity, uptime, number of players per session or hours, and we may limit or pause sessions to protect the service. It is not available on Free and not until we release it.
Data history. The history of your project numbers on the Data page is kept for 30 days on Free and, once paid plans open, 6 months on Starter, 13 months on Pro and 24 months on Studio. Older history is deleted or kept only as totals.
Changes. We may change plans, allowances and perks for the future. A change never affects tokens you already hold, which keep their rules until they expire.
No value, no transfer. Plan perks and bonus tokens have no cash value, cannot be sold, transferred or exchanged, and are not refundable.

6. Automatic token returns

You do not need to ask for these. Tokens come back automatically when:

a step fails on our side;
our building service is taking a short break;
a painting step does not answer;
the painted art of a Premium game never makes it into the game (every art token that build used comes back, once); or
a design pass is thrown away.

The studio tells you when this happens. Returned tokens are not a money refund.

7. Renewals and cancelling

Renewal. Top-ups are one-time purchases. A paid plan renews automatically at the end of each billing period (monthly, or yearly if you chose yearly billing) until you cancel. Paid plans are not live yet, so nothing renews today.
Cancelling. You can cancel or switch your plan at any time from the Billing page. Cancelling stops the next renewal, and your plan and its perks stay until the end of the period you already paid for. You keep your projects and what you built.
No refund for the current period. Cancelling does not refund the period already paid for or tokens already used, except where the law requires.
Auto-reload is not a subscription: it buys a single pack only when your balance drops under the amount you set, never past your monthly cap, and you can switch it off at any time on the Billing page.

8. Money refunds

Fees are non-refundable, except as set out in this section or where the law requires. A person on our team reviews every refund request. We refund money only for:

a duplicate charge;
a renewal charge made after a confirmed cancellation;
a billing error on our side; or
where consumer law gives you a right to a refund.

To ask, open a ticket at /support under "Billing, plans or tokens" within 30 days of the charge. Approved refunds go back to the original payment method and can take 5 to 10 business days to appear. When a refund is made, we may remove the related tokens, including tokens already used, from your balance.

The following are not grounds for a money refund: unused tokens; bonuses of any kind; unused time on a plan or the elapsed part of a billing period; tokens already spent; tokens that expired; tokens forfeited after a breach; dissatisfaction with AI output, looks, Wow Scores or results; similarity of output to other work; features that are coming soon; or a service interruption covered by automatic token returns.

Extra tokens on a pack follow the same rule as the pack: they are not refunded separately or as money, and if the pack itself is refunded under this section, its extra tokens are removed with it and only its unused tokens count.

The help agent never promises refunds. Only our billing team can approve one.

9. Your statutory right to withdraw

If you are a consumer in the European Union, the United Kingdom or another country that gives a right to withdraw from online purchases (for example, 14 days), you have that right as the law provides. Tokens are digital content supplied immediately. At checkout, you will be asked to expressly request that we start supplying them immediately and to acknowledge that, where the law allows, you lose your right to withdraw once you start using the tokens or the service. If you withdraw within the period before using them, we refund you as the law requires. Where the law provides for a partial refund of a service already begun, we refund proportionately. In Israel, cancellation rights under consumer protection law apply as that law provides.

10. Chargebacks and payment disputes

Please contact us before disputing a charge with your bank. If you start a chargeback or payment dispute:

we may suspend your account, tokens and published projects while the dispute is open;
if the dispute is decided against you or found to be unjustified, you must pay the amount owed plus any fees we are charged;
if the dispute is decided in your favour, the related tokens are removed; and
we may terminate accounts involved in abusive or repeated disputes, and refuse future purchases.

11. Failed payments

If a payment for a pack or an auto-reload fails, the tokens are not added, and we may remove tokens that were not paid for. You remain responsible for amounts owed.

12. Taxes

Prices exclude sales tax, VAT, GST and similar taxes unless shown otherwise. You are responsible for all such taxes, which we or our payment provider may collect where required. You must give accurate billing details, including your country.

13. Price changes

We may change prices, plans, packs and token allowances for the future. A change never affects a pack you have already bought or a billing period you have already paid for. Waitlist prices are honoured for the period and conditions stated when you joined.

14. Promotions, gifts and credits

Starting tokens, promotional tokens, streak tokens, referral rewards and other gifts are given at our discretion, may have conditions and expiry dates, may be changed or withdrawn, and may be removed if obtained through abuse. They have no cash value. See our Referral Program Terms.

15. Contact

Billing questions and refund requests: open a ticket at /support under "Billing, plans or tokens". Formal notices: /support?cat=legal or hello@luminary.gg.