Subscription & Auto-Renewal Terms

These Subscription & Auto-Renewal Terms (“Subscription Terms”) form part of our Terms of Service and apply when you buy and use Lumi memberships, token packs and other paid services. Lumi is provided by Zhixike Technology (Guangzhou) Co., Ltd. (“XicoAI”, “we”, “us”).

Please pay particular attention to the terms in bold, especially those about auto-renewal, when you are charged, how to cancel, refunds and tokens. Before you buy, the purchase page shows the price, billing period and renewal terms of the plan you choose again, prominently.

The most important points first:

• Memberships renew automatically until you cancel.
• Before every auto-renewal charge, we tell you in advance when you will be charged, how much, and how to cancel.
• You can cancel at any time, and your membership stays active until the end of the period you have paid for.
• Purchased tokens never expire.
• Deleting your Lumi account does not cancel an App Store subscription. Cancel it in Apple’s subscription settings.

1. Scope

1. These Subscription Terms apply to paid services you buy for Lumi through any channel, including In-App Purchase, Stripe on the web, WeChat Pay and Alipay.
2. When you buy through Apple, the Apple Media Services Terms and Conditions also apply. When you buy through another payment channel, that channel’s terms also apply.
3. If these Subscription Terms and the Terms of Service differ on a payment matter, these Subscription Terms govern.

2. Plans and prices

2.1 Global region (US$)

2.2 China region (CNY)

2.3 Which price applies to you

• App Store: Apple shows prices in local currency based on the country or region of your Apple Account’s storefront, so they may differ from the tables above. The mainland China storefront uses the CNY prices above.
• Web: in mainland China you pay in CNY with WeChat Pay or Alipay; everywhere else you pay in US$ with Stripe.
• Plans bought in CNY through a mainland China channel (the App Store mainland China storefront, or WeChat Pay and Alipay on the web) include the China region’s monthly tokens. Plans bought through any other channel include the global region’s monthly tokens.
• The price you pay is the price shown on the purchase page when you confirm payment.

2.4 Free plan and membership benefits

See Pricing for the full comparison. Some features behind these benefits are rolling out over time; what the app actually offers applies.

2.5 Fair use

“Unlimited” means there is no fixed quantity cap for normal personal use. To prevent abuse and keep the Service stable, we may apply technical limits that do not affect normal use, such as rate limits and detection of unusual usage.

3. Tokens

3.1 What a token is

Lumi meters AI usage in “standard tokens”. One standard token equals one token processed by the DeepSeek V4.1 Flash model. Tokens are the units models use to process text; one AI call uses tokens for its input (including necessary context) and its output (including the model’s reasoning). Other models are converted using a multiplier: for example, a task run on a ×4 model uses about four times as many tokens as the same task on a standard model. Actual usage is calculated from input, cached input and output, and you can expand any answer to see it.

3.2 Model tiers and multipliers

• The table shows examples. The models and multipliers in effect are those shown in the app. The China region offers only models filed in China.
• Multipliers are based on providers’ published prices and are recalibrated after a provider changes its prices. New multipliers are published before they take effect.

3.3 Monthly tokens and purchased tokens

• Monthly tokens: included with your plan and reset to your plan’s amount at the start of each monthly cycle. They are valid for that cycle only, and unused monthly tokens do not roll over.
• Purchased tokens: bought in token packs and never expire, on every platform.
• Both are held in your Lumi account and work on all your devices.

3.4 Order of use

Each time you use AI, your monthly tokens are used first, then your purchased tokens.

3.5 Estimates, reminders and running out

• Larger tasks (such as an in-depth planning analysis or an annual review) show an estimate first, and you decide whether to continue. You can also set a threshold above which Lumi asks before running a task.
• When your balance falls below 10%, we remind you once, without repeated nagging.
• Background AI tasks such as the morning briefing, memory organization and weekly review also use tokens. You can turn them off or run them less often in Settings.
• When you run out of tokens, AI degrades gracefully: chat and analysis prompt you to buy a token pack or upgrade, quick capture switches to on-device parsing, and briefings become non-AI summaries. All non-AI features keep working.

3.6 Token packs

Anyone can buy token packs, with or without a membership.

Global region (US$):

China region (CNY):

3.7 What tokens are and are not

Tokens are a unit for metering AI features in Lumi and a prepaid right to use them. They are not money or a virtual currency. Unless the law requires otherwise, tokens cannot be exchanged for cash, transferred, moved between accounts or used for anything outside Lumi.

4. Where you buy, and entitlements across devices

• Wherever you buy, your entitlements work on all your devices.
• Payments are processed by Apple, Stripe, WeChat Pay or Alipay. We never store your card number.
• The plans and payment methods on offer are those shown on the purchase page.

5. Auto-renewal

5.1 Renewal period and price

Except for the non-renewing plans offered on the mainland China web at launch, memberships are auto-renewing subscriptions: at the end of each period, your subscription renews automatically for the period you chose (month, quarter or year) at the then-current price, and your payment method is charged, until you cancel. Before you subscribe, the purchase page prominently shows the price, renewal period, how you will be charged and how to cancel, and your subscription starts only after you confirm.

5.2 When you are charged

• App Store: payment is charged to your Apple Account when you confirm the purchase. Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and Apple charges your account for the next period within the 24 hours before the current period ends.
• Stripe: your saved payment method is charged at the start of each new period.
• Mainland China web: once WeChat Pay or Alipay auto-renewal is available, you are charged on the schedule, amount and date you confirmed when you signed up for it.

5.3 Reminder before every charge

Before every auto-renewal charge, we tell you by in-app notice, push notification or email when you will be charged, how much, and how to cancel. For users in mainland China, this reminder is sent at least 5 days before the charge date. Apple may also send its own renewal reminders under its rules.

5.4 Free trial

• Where a trial is offered, yearly plans include a 7-day free trial. Each account can have one trial, and on the App Store, under Apple’s rules, each Apple Account can also have only one.
• We remind you 2 days before your trial ends. If you do not cancel before the trial ends (at least 24 hours before on the App Store), your trial converts automatically into a yearly subscription and you are charged the yearly price.
• On the App Store, if you cancel during a trial, the trial may end immediately under Apple’s rules.

5.5 Price changes

• If we change membership prices, we will tell you in advance. The new price applies from your next renewal after the notice and does not affect the current period you have already paid for.
• App Store: Apple notifies you under its rules. If a price increase requires your consent and you do not consent before renewal, your subscription ends at the end of the current period.
• Web: we notify you at least 30 days in advance. If you do not agree, you can cancel before the new price takes effect.
• We offer discounts only on the terms stated on the purchase page. We do not run fake “limited-time” discounts or hide renewal terms.

6. How to cancel auto-renewal

6.1 iPhone or iPad

1. Open the Settings app;
2. Tap your name;
3. Tap Subscriptions;
4. Choose Lumi;
5. Tap Cancel Subscription, then confirm.

You can also go to Settings → Membership & Tokens → Manage subscription in Lumi, which takes you straight to Apple’s subscription management page.

6.2 Mac

1. Open the App Store;
2. Click your name (if you don’t see it, sign in first);
3. Click Account Settings;
4. Next to Subscriptions, click Manage;
5. Click Edit next to Lumi, then click Cancel Subscription.

Cancel an App Store subscription at least 24 hours before the current period ends to avoid being charged for the next period.

6.3 Web (Stripe)

1. Sign in at lumi.xicoai.com/app in your browser;
2. Open Settings → Membership & Tokens;
3. Click Manage subscription to open Stripe’s billing portal;
4. Choose to cancel your subscription and confirm.

Cancellation takes effect at the end of the period you have paid for, and you will not be charged again.

6.4 Web (mainland China)

At launch, the quarterly and yearly plans on the mainland China web do not renew automatically. They simply end when they expire, so there is nothing to cancel. Once WeChat Pay or Alipay auto-renewal is available, you can cancel it in Lumi under Settings → Membership & Tokens → Manage subscription, or end the agreement on the auto-renewal (automatic deduction) management page in WeChat or Alipay.

6.5 Please note

• Cancel through the same channel you used to buy.
• Deleting the Lumi app or your Lumi account does not cancel an App Store subscription.
• If you have trouble cancelling, contact support@xicoai.com and we will help.

7. After you cancel

• Your membership stays active until the end of the period you have paid for. After that you are not charged again, and your account moves to the Free plan.
• Unused monthly tokens expire at the end of the period. Purchased tokens are not affected: they stay in your account and never expire.
• Your existing data is not deleted because your membership ended, and you can still view and export it. If you have more items than the Free plan allows, you can keep viewing them, but you cannot add new items of that kind until you are back within the limit or subscribe again.
• You can subscribe again at any time.

8. Changing plans

• App Store: under Apple’s rules, an upgrade (for example, from Pro to Max) takes effect immediately, and Apple refunds the unused portion of your original subscription on a prorated basis. A downgrade (for example, from Max to Pro) takes effect at your next renewal date. Changing the billing period of the same plan (for example, from monthly to yearly) also usually takes effect at your next renewal date.
• Web: handled under the payment channel’s rules and as explained on the purchase page. With Stripe, the price difference may be prorated.
• The monthly tokens of your new plan apply from the moment the new plan takes effect.

9. Refunds

9.1 App Store purchases

Refunds for memberships and token packs bought through the App Store are handled by Apple under its policies. We cannot issue these refunds directly. You can request a refund at reportaproblem.apple.com or contact Apple Support.

9.2 Web purchases

Email support@xicoai.com with your account and order details. We will handle your refund request under applicable law and the payment channel’s rules.

9.3 Right of withdrawal in the EU, the UK and similar regions

If you are a consumer in the EU, the UK or another region where the law gives you a right of withdrawal, you can usually withdraw from a web purchase within 14 days without giving a reason:

• Memberships: if you ask us to start the service during the withdrawal period, we may deduct an amount proportionate to the time you have used when you withdraw.
• Token packs: when you buy, you will be asked to agree that the tokens are credited immediately and to acknowledge that you lose your right of withdrawal once they are credited. To the extent the law permits, you cannot withdraw after the tokens are credited.

For App Store purchases, withdrawal and refunds follow Apple’s rules.

9.4 How a token-pack refund affects your balance

If Apple or another payment channel refunds a token pack, we deduct the corresponding number of tokens from your purchased balance. If those tokens have already been used, your balance may become negative, and until you top it up you can use only non-AI features and on-device parsing. If a membership is refunded or revoked, the related membership benefits end as well.

9.5 Your statutory rights

Nothing in these Subscription Terms affects your rights under applicable consumer protection law.

10. Restoring purchases

If your App Store subscription does not appear after you sign in on a new device, go to Settings → Membership & Tokens → Restore purchases. Token packs are held in your Lumi account, not on a device, so they are available whenever you sign in to the same account and never need restoring.

11. Redemption codes

We may issue membership or token redemption codes, for example as part of events. You can redeem them in Settings → Membership & Tokens → Redeem code. The validity period, number of uses and scope of a code, and the rules for the membership or tokens it grants, are those stated when the code is issued. Codes cannot be exchanged for cash or resold.

12. Taxes and receipts

• Whether a price includes tax is shown on the purchase page. In regions where the law requires tax-inclusive pricing, displayed prices already include the applicable tax.
• For App Store purchases, receipts and invoices are provided by Apple under its rules.
• For web purchases, you can find receipts in your purchase history. If you need a formal invoice, contact support@xicoai.com.

13. Family Sharing

Lumi memberships and tokens do not currently support Apple Family Sharing and cannot be shared between Lumi accounts.

14. Purchases by minors

If you are under 18, you may buy a membership or tokens only with the consent of a parent or guardian. If a minor made a purchase without consent, a parent or guardian can contact support@xicoai.com; for App Store purchases, please also contact Apple. We recommend that parents use features such as Ask to Buy in Apple’s Family Sharing to manage their children’s purchases.

15. Deleting your account

Deleting your Lumi account does not cancel an App Store subscription. Unless the law requires otherwise, any remaining membership time and purchased tokens are forfeited with the account and will not be refunded. Cancel your subscription before you delete your account. See Delete Your Account.

16. Changes to the Service and termination

If we change the benefits of a paid plan or stop providing Lumi, Sections 14 and 15 of the Terms of Service apply, including advance notice and handling of prepaid but unused membership time and purchased tokens under applicable law, including pro-rata refunds.

17. Contact us

For any question about payments, renewals, cancellations or refunds, email support@xicoai.com or see Contact.