If I had to guess, I would say the reason is that they're getting a high amount of chargebacks because the website marketing copy promises "14 days money back g

If I had to guess, I would say the reason is that they're getting a high amount of chargebacks because the website marketing copy promises "14 days money back guaranteed" and even highlights that their competitors don't offer a "refund after usage" But then, in the FAQs, you can see the refund policy specifies they will only refund if you haven't downloaded any images. I imagine some people sign up to try it, then go refund if the quality is not as expected (textual inversion generators like this can be a bit hit or miss) and find they can't.