退款政策 Refund Policy

本政策适用于你在 oceanleo.cn 上为钱包充值所付的款项。服务由 深圳市极目野光科技有限公司（统一社会信用代码 91440300MAKE54BD0T，地址：深圳市南山区西丽街道松坪山社区松坪山路5号嘉达研发大楼A座530，518057）提供。

境内版的收款方是 深圳市极目野光科技有限公司。支持的支付方式为微信支付、支付宝；以充值页当时能点的支付方式为准。

This policy covers money you paid to top up your OceanLeo（境内版） wallet on oceanleo.cn. The service is provided by 深圳市极目野光科技有限公司 (91440300MAKE54BD0T). Payments on the mainland edition are collected by 深圳市极目野光科技有限公司 through 微信支付 / 支付宝.

涉及虚假交易、套利、洗钱嫌疑的账号，我们会依法终止服务并配合执法机关调查。

Accounts involved in sham transactions, arbitrage or money-laundering will have the service ended under applicable law, and we will cooperate with the authorities.

• 能退的是充值余额里还没花掉的部分。
• 已经用来调用 AI 并完成扣费的用量不退——那笔算力成本已经实际发生。
• 赠送金 / 体验金不退、不提现。它们只用于试用。
• LeoBay 里的订单不走本政策，按 LeoBay 条款 处理。

Only the unused part of your top-up balance can be refunded. Usage that has already been charged is not refundable because the compute cost has been incurred. Bonus / trial credit is never refundable or withdrawable. Talent-marketplace orders follow the marketplace terms, not this policy.

• 每笔充值订单在付款后 60 天内可以申请退款；过了这个时间就不能退。
• 每笔订单只能退 1 次。可以只退一部分，但退过之后这笔订单就不能再退了。
• 支付通道本身也有退回原路的硬上限：银行卡 180 天、支付宝 90 天、微信支付 180 天。我们的 60 天窗口在这些上限之内。

A top-up order can be refunded within 60 days of payment, once per order (a partial refund still uses up that one chance). Payment channels also cap how long money can be returned to the original method: cards 180 days, Alipay 90 days, WeChat Pay 180 days.

可退额 = 当前余额 与「累计充值 − 累计已退」两者中较小的那个。赠送金永远不退，等价于「先花赠送金」。 对具体一笔订单，可退 = 可退额 与「该订单金额 − 该订单已退」中较小的那个。有多笔可退订单时，先退最近一笔。

• 例一：余额 ¥900，累计充值 ¥1,000，之前退过 ¥200 → 可退额 = min(¥900, ¥1,000 − ¥200) = ¥800；余额里另外的 ¥100 是赠送金，不退。
• 例二：余额 ¥1,500，累计充值 ¥1,000 → 可退额 = ¥1,000；多出来的 ¥500 是赠送金，不退。

通道费不予退还。每笔退款都会扣掉这笔付款实际产生的支付通道手续费，不设金额门槛。扣多少按比例算： 该笔付款实际产生的手续费 × （本次退款额 ÷ 原付款额），四舍五入到最小货币单位。 例：充值 ¥100，假设通道实际收取手续费 ¥0.60，则退回约 ¥99.40（费率以微信 / 支付宝实际收取为准）。

申请时页面会先显示原付款 / 通道费不予退还 / 退回三个数，你确认后才执行。

Refundable pool = min(current balance, total topped up − total already refunded). Bonus credit is spent first and never refunded. Per order: min(pool, order amount − already refunded from that order); the most recent order is refunded first. The payment-channel fee actually charged on the original payment is always deducted, pro-rated to the amount you refund and rounded to the smallest currency unit. Example: a ¥100 top-up whose channel fee was ¥0.60 returns about ¥99.40. You see the three numbers — original payment, non-refundable fee, amount returned — before you confirm.

依据最高人民法院 2025 年关于预付式消费的司法解释，你在付款之日起 7 日内申请退款的，我们返还该笔预付款的全部本金，不扣通道费。

是否适用按付款卡 / 支付账户的所在地和付款时间自动判定，不需要另外申请；你填写的个人地址不作为依据。

Under the Supreme People's Court 2025 interpretation on prepaid consumption, refunds requested within 7 days of payment return the full principal with no fee deducted. Eligibility is decided automatically from the payment card / account's country and the payment date; you do not need to ask for it.

1. 登录，打开「账户 → 充值」。
2. 在充值订单列表里，找到要退的那笔，点旁边的「申请退款」。
3. 页面显示原付款、通道费不予退还、退回三个数；可以改成只退一部分。
4. 确认。系统立即处理，不需要发邮件，也没有人工审核。

钱只能退回原支付方式，不能改打到别的卡或账户。到卡 / 到账通常需要 5–10 个工作日，具体取决于发卡行或支付机构。退款成功后钱包余额同时减少。

已开出的数电票不会重发；对应金额需要红冲，我们会同步处理，你不需要再申请。

Sign in, open Account → Top-up, find the order and click "Request refund". The page shows the original payment, the non-refundable fee and the amount returned; you may refund a smaller amount. Confirm and the refund is processed immediately with no email and no manual review. Money goes back to the original payment method only, typically within 5–10 business days. An issued digital invoice is not re-issued; we file the corresponding red-letter reversal ourselves.

公司替你承担通道费的退款（法定免费窗口内的自助退款，以及支付机构单方面退回的款项）会按近 365 天这类退款合计与同期真实消费比较。超过消费的 3 倍时，该笔记一笔标记。标记从不拒绝、不延迟、不减少这一笔退款，只影响以后还能不能充值。

• 近 30 天内第 2 笔标记：你会收到提醒，之后还能成功充值 1 次。
• 近 30 天内第 3 笔标记：暂停充值 30 天，到期自动恢复。
• 最近 5 笔充值都有标记退款：账号 365 天不能充值，该卡不能再用来充值。账号到期自动恢复。

同一套计数对账号和卡各算一遍，取更严的。换账号但用同一张卡，卡这一路仍然生效。退款按本政策照常办理；除进行中的拒付会冻结剩余余额外，消费和已有余额不因上述标记被扣或被限。

When we absorb the channel fee (statutory fee-free window, or a refund the payment provider makes on its own), we compare those refunds over the last 365 days with real usage in the same window. If they exceed usage by 3×, that refund is flagged. A flag never refuses, delays or reduces that refund; it only affects later top-ups. Within 30 days, the 2nd flag leaves 1 successful top-up, the 3rd pauses top-ups for 30 days, and 5 consecutive flagged top-ups close the account for 365 days and the card for good. The same counts run per account and per card; the stricter side applies. Limits expire automatically. Spending and the current balance are not reduced by these flags.

• 发卡行还在问询、尚未立案时，钱包余额和充值都不受影响。
• 正式立案时：争议金额从钱包扣回，剩余正余额冻结，账号和这张卡都不能充值。向发卡行撤回、或银行判我们胜之后，冻结解除、充值恢复；账号按新账号额度充值 180 天。
• 判持卡人胜：争议金额不退回；剩余余额解冻可用；账号 365 天不能充值；该卡不能再用来充值。
• 全程无人工审核，到期自动恢复。请优先用本页申请退款，不要直接向银行拒付。

A bank inquiry does not move your wallet. When a chargeback is formally opened, the disputed amount is debited, any remaining positive balance is held, and both the account and that card cannot top up. If you withdraw it or the bank decides in our favour, the hold is released and top-ups resume; the account then uses new-account caps for 180 days. If the cardholder wins, the disputed amount is not returned, the remaining balance is released, the account cannot top up for 365 days, and that card cannot be used to top up again. There is no manual review; limits expire on their own. Please use this page instead of charging back.

• 企业对公转账、人工开单的款项：按合同或开单时的约定处理，不走本页面的自助退款。

Corporate bank transfers and manually invoiced amounts follow their own agreement, not this self-service flow.

本协议受中华人民共和国法律管辖并据其解释；因本协议引起的争议，由深圳市极目野光科技有限公司所在地有管辖权的人民法院管辖。消费者依法享有的权利不因本协议而减损。

本政策是 服务条款 的一部分。退款相关问题请联系 dev@oceanleo.cn。

This policy forms part of the Terms of Service. Questions about refunds: dev@oceanleo.cn.

2026-10-03：删除按退款次数进入受限档的旧规则。改为按垫费退款与真实消费的比例标记，并写明提醒 / 限购 / 封禁 与拒付冻结的自动恢复规则。法定退款仍然照给。

2026-09-16：退款改为页面自助、自动执行；明确 60 天窗口、每单 1 次、通道费不退和法定不扣费窗口。此前「发邮件申请退款」的方式作废，请改在页面上操作。

2026-10-03: the old refund-count restricted tier was removed. Fee-absorbed refunds are now flagged against real usage; the warning / pause / close steps and chargeback holds restore themselves. Statutory refunds are unchanged.

2026-09-16: refunds became self-service and automatic; the 60-day window, one refund per order, fee deduction and the statutory fee-free window were added. The old email-based request process is discontinued.