Cancellation & Refund Policy

Last updated: 2026-09-22

1. Scope

This policy applies to paid subscriptions and add-on purchases for M-Insight, provided by Mercury Digital LLC. (水星數位科技有限公司). It covers subscription plans (Lite, Starter, Growth), recurring add-ons (Extra Dataset, Extra User), and one-time add-ons (Email packs, AI Token packs).

The service is provided by Mercury Digital LLC. Payments are collected on our behalf by our Hong Kong affiliate, ADILOT INCORPORATED LIMITED.

If you purchased through a reseller, agent, or third-party marketplace, that channel’s own policy applies.

2. No Refunds

This service is an online service that begins immediately upon payment. Any amount you pay — including subscription fees, recurring add-on fees, and one-time add-on credits — is non-refundable once paid.

By registering, you agree that the service begins immediately upon payment, and you agree to the no-refund terms in this section.

Non-refundable items include:

• Any unused portion of a billing period
• The remaining months of an annual plan cancelled mid-term
• Unused Email sending quota and AI Token quota
• One-time add-on purchases
• Any difference arising from an upgrade, downgrade, or plan change

Unused credits cannot be exchanged for cash, are not refundable, and cannot be transferred to another account or organization.

We do not offer prorated refunds based on usage or remaining time.

Refund requests on the grounds that marketing results fell short of expectations will not be accepted. This service provides data analysis, audience recommendations, and automated campaign tools. It does not guarantee any outcome, including but not limited to open rate, click-through rate, conversion rate, ROAS, or repeat purchase rate.

Cross-border transaction fees or exchange rate differences charged by your card issuer are levied by the issuer, not by us or our collection agent, and are outside our control.

Third-party platform costs are outside the scope of this policy. LINE push message fees are billed separately through your official LINE OA invoice. Advertising spend arising after you export an audience to Meta, Google, or other ad platforms is charged to you by that platform. We neither collect nor pay these amounts on your behalf.

3. Cancelling Your Subscription

You may cancel at any time. Cancelling stops future charges; it does not refund amounts already paid.

• How to cancel: through your account settings, or by emailing service@mdigi.net
• When it takes effect: cancellation takes effect at the end of the current billing period. Until then, you retain full access to everything you have paid for
• No further charges are made after cancellation. If you are charged after cancelling, see Section 5
• Once the period ends, the account moves to view-only mode: you can still view your existing data, but you cannot upload new data or create new campaigns
• You may resubscribe at any time, but credits that have already lapsed will not be restored

4. Cancellation Terms by Item

The no-refund rule applies to all items. The table below summarises how each is handled on cancellation; full terms follow in each subsection.

4.1 Subscription Plans

• Billing: monthly or annual by plan, charged at the start of each billing period
• Cancellation: cancel any time through account settings or by emailing service@mdigi.net. No further charges are made after cancellation
• Effective date: cancellation takes effect at the end of the current billing period; you retain full access until then
• Amounts already paid are non-refundable, including any unused portion of the current billing period. Annual plans cancelled mid-term are not refunded on a prorated basis for the remaining months
• Upgrades take effect immediately, and the billing cycle restarts from the date of the upgrade. The unused value of the original plan — calculated from the amount actually paid, prorated by the days remaining in the current period — is applied against the cost of the new plan. Any credit remaining after that is held as an account balance and applied automatically to subsequent invoices. Account balances may only be applied against future invoices for this service; they cannot be withdrawn, transferred, or exchanged for cash
• Downgrades take effect at the start of the next billing period. You retain full access to your original plan for the remainder of the current period, and move to the new plan’s price and permissions only from the following period. No refund is issued
• Annual to monthly: an annual plan cannot be converted to monthly during its term, and is not refunded. If you request the change, the subscription will automatically move to the monthly plan and price for the next billing period once the current term ends
• After cancellation, you may export your existing data before the account is deleted. Retention and deletion of account data are governed by the Privacy Policy

4.2 Recurring Add-ons (Extra Dataset, Extra User)

• Billing: recurring monthly add-on, billed together with your main plan. Add-ons purchased mid-period are prorated by the days remaining in that period
• Removal: you may remove an add-on at any time. Removal takes effect at the end of the current billing period; the add-on remains fully usable until then and is not billed from the following period onward
• Amounts already paid are non-refundable and are not prorated
• Recurring add-ons terminate together with the main subscription when it is cancelled

4.3 One-Time Add-ons (Email Packs, AI Token Packs)

• Billing: a one-time purchase. The quota is available immediately upon payment. It does not reset monthly, does not expire, and carries forward across billing periods until fully consumed
• Non-refundable once purchased, whether used or not
• Unused quota cannot be exchanged for cash and is not refundable
• Upgrades and downgrades do not affect existing quota — purchased quota remains usable until fully consumed. However, no new add-ons may be purchased on the Lite plan or while unsubscribed
• After cancellation, you retain full access for the remainder of the current billing period, and existing add-on quota remains fully usable during that time. Once the period ends and the account moves to view-only mode, the quota can no longer be used

4.4 Free Trial

• On registration, your account is granted 60 days of Starter-level access at no charge
• If you subscribe during the trial, billing begins immediately and any remaining trial days are forfeited. They are not credited back and the trial is not extended
• If you have not subscribed by the end of the trial, the account moves to view-only mode (viewing only; no data uploads and no new campaigns)

5. Correcting Billing Errors

The no-refund policy does not apply to billing errors. We will proactively correct and return the amount in the following cases:

• Duplicate charges for the same order
• A charge made after a cancellation had already taken effect
• A charge that does not match the plan you selected
• A technical fault in our service that left you entirely unable to use the features you had paid for for a full billing period, and which we failed to resolve within a reasonable time

Please email service@mdigi.net with the date and amount of the charge. We will respond within 3 business days.

6. Unrecognised Charges and Billing Enquiries

Your credit card statement will show “ADILOT M-INSIGHT”* rather than “M-Insight” or “Mercury Digital”. If you see an ADILOT charge you do not recognise, it is most likely your M-Insight subscription.

Please email service@mdigi.net first. We will investigate and respond within 3 business days. Raising a chargeback directly with your card issuer freezes the transaction and lengthens the process considerably; in most cases, contacting us directly resolves the matter faster.

Approved corrections are returned by our collection agent, ADILOT INCORPORATED LIMITED, through Stripe to the original credit card via the original payment channel. This typically takes 5 to 10 business days to appear, depending on your card issuer, and is processed in the original currency charged.

7. Your Statutory Rights

This policy does not affect any rights you hold under the Consumer Protection Act of the Republic of China (Taiwan) or other mandatory provisions of law. Where this policy conflicts with such provisions, those provisions prevail.

M-Insight is digital content not supplied on a tangible medium, and an online service that is complete upon delivery. Under Article 2 of the Regulations Governing Reasonable Exceptions to the Right of Rescission for Distance Sales, it falls within the recognised exceptions to the seven-day right of rescission under Article 19, Paragraph 1 of the Consumer Protection Act, and the seven-day cooling-off period therefore does not apply.

By ticking the consent box at registration, you confirm that you have read and agree to this Cancellation & Refund Policy, the Terms of Service, and the Privacy Policy.

Please note: once you complete payment, the service is activated and made available to you immediately. Following activation, and in accordance with the provisions above, you will no longer be able to invoke Article 19 of the Consumer Protection Act to unconditionally rescind the contract, return the product, or obtain a refund within seven days.

8. Changes to This Policy

Updates to this policy will be published on this page. Where a change is unfavourable to an existing subscription, we will give at least 30 days’ notice to your registered email address before it takes effect. Charges already completed are governed by the version of this policy in force at the time of the charge.

9. Contact

• Service provider / contracting entity: Mercury Digital LLC. (水星數位科技有限公司), Taiwan
• Collection agent: ADILOT INCORPORATED LIMITED (亞德洛數位科技股份有限公司), Hong Kong Business Registration No. 72696126-000-02-26-0, Unit 706, 7/F., South Seas Centre Tower 2, 75 Mody Road, Tsim Sha Tsui, Kowloon, Hong Kong
• Cancellation, billing, and payment enquiries: service@mdigi.net
• Customer service line: +886 2-2658-9056