Purchase, Payment and Refund Rules

Fate Loom mobile application

Version 1.5 of 03.10.2026. Effective from 03.10.2026.

This is a translation of the Russian original. In case of any discrepancy, the Russian version prevails.

These Rules form an integral part of the Terms of Use. Defined terms have the meaning given in the Terms of Use.

1. What can be purchased

1.1. Thread packs — a one-off purchase of a set number of Threads. Threads are credited to the account balance at once and do not expire for as long as the account exists.

1.2. Pro Subscription — an extended scope of rights to use the Service for a paid period. Weekly and monthly periods are available. The Subscription is taken out with automatic renewal for another period of the same length (clause 2.3); where the payment screen states that the payment is one-time, a single period is paid for without renewal (clause 2.4).

During the paid period, a fixed number of bonus Threads is credited for each day on which you open the Application or the Service's Telegram bot; a day on which you did not open them is not credited and does not carry over. The other benefits of the Subscription are described in the Application. The number of Threads and the list of benefits are shown on the Subscription screen before payment.

1.3. Purchasing Threads or a Subscription means acquiring an extended scope of the licence to use the Service (section 3 of the Terms of Use). It is not the purchase of goods and not the provision of fortune-telling services.

1.4. The current packs, the number of Threads in each, the cost of functions in Threads and the prices are shown in the Application before you confirm a purchase and, for a purchase in the Service's Telegram bot, in the bot before you go to the payment page. The price shown before you confirm a purchase is final.

1.5. First-purchase bonus. The Licensor may credit additional Threads on top of the pack's face value for your first Thread pack purchase. The size of the bonus and the deadline until which it applies are shown in the Application and are calculated on the server from your Account's registration date.

The bonus:

• is granted once, and only on the first paid pack purchase;
• is not granted after the stated deadline;
• is not granted to an Account created again on a sign-in method that was previously deleted (section 7 of these Rules and clause 6.5 of the Terms of Use);
• is not refundable in money — these are bonus Threads within the meaning of clause 6.5 of the Terms of Use.

The deadline shown in the Application is genuine: once it passes the bonus is not granted, and that deadline is neither extended nor restarted.

1.6. The Licensor may run other promotions. The terms of each promotion are shown in the Application before you confirm a purchase.

2. Payment methods

Payments are accepted only through the Robokassa service — both in the Application and in the Service's Telegram bot. There are no other payment methods.

In the Application, Thread pack and Pro Subscription offers are shown after sign-in if the country identified by the IP address is the Russian Federation. Outside the Russian Federation, or when the country cannot be determined, in-app purchases are currently unavailable.

In the Service's Telegram bot you can purchase Thread packs; the Pro Subscription is not sold in the bot. The bot sends a link to the Robokassa payment page, and the Threads are credited to the balance of the account the invoice was issued from.

Free ways of earning Threads are available regardless of region.

### 2.1. Robokassa

Payment by bank card, through the Faster Payments System and by other methods supported by the Robokassa service — where this payment method is offered in the Application or in the Service's Telegram bot.

Payment credentials are entered on the payment provider's secure page. The Licensor does not receive or store card numbers, expiry dates or verification codes.

A fiscal receipt is generated by the payment service and sent to the e-mail address you provide.

A Pro Subscription is paid through Robokassa either with auto-renewal (clause 2.3) or as a one-time payment (clause 2.4); which of the two applies is stated on the payment screen before you confirm the payment.

### 2.2. General

2.2.1. The settlement currency and the final amount depend on the payment method chosen, the account country and the rules of the relevant service. Issuing bank fees and exchange rate differences may apply; the Licensor does not set them and does not compensate them.

2.2.2. The Licensor does not accept cash and does not accept transfers to personal accounts of individuals. Any offer to pay for the Service by another means is fraud — please report it to support@fateloom.app.

### 2.3. Automatic renewal of the Pro Subscription

2.3.1. By taking out a Subscription with auto-renewal you agree that at the end of each paid period the price of the next period is charged to the same payment instrument without further confirmation. The price of the period, its length and the fact that the Subscription renews automatically are shown on the payment screen before you confirm the payment. Consent to auto-renewal is given separately with each such payment and does not extend to payments made earlier.

2.3.2. The charge for the next period is made no earlier than 24 hours before the current period ends. The new period starts when the paid one ends, so an early charge does not shorten time already paid for.

2.3.3. If a charge fails, the Licensor may retry it, making no more than three attempts per period. After unsuccessful attempts auto-renewal stops, and the Subscription remains active until the end of the period already paid for. It can be resumed with a new payment.

2.3.4. You can turn auto-renewal off at any time in the Application, on the Pro Subscription screen — including while outside the Russian Federation — or by e-mail to support@fateloom.app. It takes effect immediately: there will be no further charges, and access continues until the end of the paid period. Until the period ends, auto-renewal can be turned back on in the same place.

2.3.5. A request to delete the Account turns auto-renewal off at the moment the request is made, without waiting for the deletion date.

2.3.6. The price of a renewed period is the price in effect when the Subscription was taken out, unless it has been changed in accordance with clause 8.3.

### 2.4. One-time payment for the Pro Subscription

2.4.1. Where the payment screen states that the payment is one-time, a single Subscription period is paid for. No consent to automatic charges is requested, payment instrument details are not stored for future charges, and at the end of the period the Subscription is neither renewed nor charged again.

2.4.2. The Subscription can be extended with a new payment, including before the current period ends: the new period starts after the one already paid for ends, and paid days are not lost.

2.4.3. A Subscription paid for one-time is never switched to auto-renewal — neither when the payment method changes nor when auto-renewal becomes available in the Application. Auto-renewal can only be taken out with a new payment and only with your consent under clause 2.3.1.

3. When the obligation is deemed performed

3.1. The Licensor's obligation to provide access to paid functionality is deemed performed at the moment Threads are credited to the account balance or the Pro Subscription is activated. The right to a refund for the unspent part is governed by section 4.

3.2. Crediting happens automatically after the payment system confirms the payment, normally within seconds.

3.3. If a payment has gone through but Threads have not been credited within 30 minutes, contact support@fateloom.app, quoting the transaction identifier. We will either credit the Threads or refund the payment in full.

3.4. Threads are debited for a specific function (generating an interpretation, a follow-up question) at the moment that function is started. From that moment the corresponding part of the licence is deemed used.

4. Refunds

We aim to resolve refund questions quickly and without red tape. The rules we follow are below.

### 4.1. Refund for unspent Threads

You may withdraw from a purchased Thread pack at any time and receive a refund for its unspent part (Article 32 of the Russian Law "On Protection of Consumer Rights").

If no Threads from the pack have been spent, the full amount paid is refunded. If some Threads have been spent, a refund is made pro rata to the unspent remainder of the purchased pack. In the calculation, bonus (free) Threads are treated as spent first and purchased Threads only afterwards — this order is applied in the User's favour.

Fully spent Threads are not refundable: the result they were debited for has been delivered to you.

### 4.2. Refund for the Pro Subscription

You may withdraw from the Subscription at any time and receive a refund for the unused part of the current paid period, pro rata to the remaining days. The Subscription ends from the moment of withdrawal.

Instead of withdrawing, you may turn off auto-renewal, if it is on: access then continues until the end of the period already paid for, and no further charge is made. A Subscription paid for one-time (clause 2.4) does not renew by itself, so there is nothing to turn off.

Turning off auto-renewal is not a refund request — it is a refusal of future charges.

### 4.3. Bonus Threads

Threads credited free of charge — for registration, a streak of daily readings, watching advertisements, the referral programme, promo codes, or under a Subscription — have no monetary equivalent and are not refundable or compensable in money.

### 4.4. Cases where we refund in full and unconditionally

• double charge for the same purchase;
• a charge for an incomplete purchase where Threads were not and cannot be credited;
• a technical fault of the Service that meant the paid functionality was not delivered;
• a purchase made without your knowledge using your payment instrument by a third party — where the circumstances are confirmed;
• discontinuation of the Service (section 5 of these Rules).

### 4.5. When a refund is not made

• the Threads have been spent and the result has been delivered — except in the cases in clause 4.4;
• you did not like the generated text, it did not match your expectations or "did not come true": the Service is entertainment and does not guarantee any outcome (section 4 of the Terms of Use).

### 4.6. Consumers in the EEA and the UK

Under Directive 2011/83/EU and equivalent UK law you have a 14-day right of withdrawal from a distance contract for digital content.

Before each purchase we ask for your express consent to begin performance immediately (crediting Threads or activating the Subscription) and your acknowledgement that you thereby lose the right of withdrawal in respect of the content already delivered.

Regardless of that, the refund rules in clauses 4.1, 4.2 and 4.4 apply to you, and they are at least as favourable as the statutory minimum. Your statutory rights are not affected.

### 4.7. How to request a refund

An e-mail to support@fateloom.app quoting the date, amount, payment identifier and the e-mail address the receipt was sent to. Refunds are made to the same payment instrument.

In your request, please state: your account identifier or the e-mail address linked to it, the date and amount of the payment, the transaction identifier, and what you are asking for.

### 4.8. Time limits

We consider a request and tell you our decision within 10 calendar days of receipt.

Where the decision is positive, the refund is made within 10 calendar days of the decision. Actual arrival of the money depends on your bank and payment system and may take up to a further 30 days.

Where we refuse, we explain why. A refusal does not prevent you from going to court or to a consumer protection authority.

5. Discontinuation of the Service

5.1. If the Service is discontinued, the Licensor will give Users at least 30 calendar days' notice.

5.2. In that case you may claim a refund:

• for unspent purchased Threads — pro rata to their number and purchase price;
• for the unused part of a paid Subscription period — pro rata to the remaining days.

5.3. Claims are to be sent to support@fateloom.app within 90 calendar days of the discontinuation date.

6. Bank chargebacks

6.1. If you believe a charge is unjustified, please contact us first. In the vast majority of cases the matter is resolved within a few days.

6.2. While a chargeback is being considered, access to the account may be suspended and the Threads credited under the disputed payment may be frozen pending investigation.

6.3. If a chargeback is upheld by the bank and the Threads have by then been spent, the Licensor may claim the value of the functionality actually used.

7. Purchases made by minors

7.1. The Service is intended for persons aged 18 or over (section 5 of the Terms of Use).

7.2. If a purchase was made by a minor, the legal guardian may contact support@fateloom.app. We refund the unspent portion and, where the circumstances are confirmed, the full amount, and block the account.

7.3. Please attach: the date and amount of the payment, the transaction identifier, information about who owns the payment instrument, and proof of parenthood or guardianship.

8. Changes to prices and packs

8.1. The Licensor may change prices, pack contents and the cost of functions in Threads.

8.2. Changes apply prospectively: Threads already purchased and Subscription periods already paid for are not recalculated.

8.3. The Licensor gives notice in the Application of a change in the price of an auto-renewing Subscription at least 30 calendar days before the next charge at the new price. You may turn off auto-renewal before that date. A period paid for one-time is not affected by a price change. Where app store rules require additional confirmation of the new price, those rules apply.

9. Payment contacts

E-mail: support@fateloom.app

Response time: 10 calendar days, usually sooner.

The Licensor's details are set out in the "Licensor details" section of the Terms of Use.