1. This is yet another way to spam. 2. "Refund Method - In case of a legitimate refund request due to technical concerns, we will NOT be returning the payment

1. This is yet another way to spam. 2. "Refund Method - In case of a legitimate refund request due to technical concerns, we will NOT be returning the payment directly. Instead, we will credit the respective amount back to your account in the form of credits, which can be utilized for future article generation." In other words - it's our money now. 100% spammy junk.