AI Credits Cost More Than the Headline Price. Build the Terms Record
Build an AI-service credit-terms comparison record. It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a record-keeping aid, not legal or financial advice. It cannot predict future credit use, inspect a provider's billing system, or determine whether a disclosure violates the law.
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Cost and free path
Cost: Free: one complete local run in this browser, with no account or upload; the tool does not transmit what you enter. Optional $4 one-time convenience unlock for unlimited runs of this tool on this browser; never a subscription. The protective answer and every free-path step remain free.
Rule status (federal route): Federal route, checked 2026-10-10: FTC consumer guidance covers paid digital items and credit-card disputes; the provider's current terms describe each credit bundle. No AI-credit-specific federal pricing rule is asserted here.
Automated decision this documents: the metered-credit consumption and package-allocation rules shown by an AI service
Free path, in order (no cost):
The provider's public pricing, usage, and cancellation pages (reached independently)
The merchant's free written billing/support channel for a charge question
Your card issuer's published dispute process and the FTC's free consumer guidance
What this cannot do: It cannot predict future credit use, inspect a provider's billing system, or determine whether a disclosure violates the law.
Sources checked 2026-10-10 · first-party source pages fetched and reviewed; no separate raw HTTP-status probe.
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This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
Convenience tier: unlimited runs on this browser$4 one-time