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On-demand credit pack purchases are not refundable. If you reside outside of Japan, unused credits automatically expire 12 months from the date of purchase. If you are a resident of Japan, unused credits automatically expire 6 months from the date of purchase. If you are a resident of South Korea, you may request a full refund within 7 days after initial purchase, provided no credits have been used. As soon as your payment is processed, you may use your credits to license content. You authorize us to store your payment method(s) and charge it for all your purchases until you change your payment method. You can edit your payment information anytime in your Adobe Account page. Upon termination of your Adobe Stock account, you will forfeit any unused credits. 

For European Economic Area customers, your bank may require you to authenticate your initial purchase using a password, a one-time code sent to your mobile number, or biometric recognition. When you authenticate, you also authorize us to charge your payment method for additional purchases without providing us further payment information or other instructions (i.e., we will initiate future payments independently). Such additional purchases may occur when we automatically charge your payment method in connection with a recurring subscription or when you add or change licenses or products.

In Argentina, Chile, and Colombia, Adobe is not currently required by Argentinean, Chilean or Colombian government to charge tax. However, when the government requires Adobe to charge taxes, we will add the obligated taxes into your monthly payment total.