一、宝豆性质
宝豆是知芽成长内用于兑换或使用指定 AI 数字服务、报告生成、内容生成或其他虚拟权益的计量单位。宝豆不具备现金、储值卡、预付卡、证券、积分金融产品或任何可提现属性。
1. Nature of Beans
Beans are units used within Zhiya Growth to redeem or use designated AI digital services, report generation, content generation, or other virtual benefits. Beans do not have cash, stored-value card, prepaid card, securities, points-finance, or withdrawable attributes.
二、获取和消耗
宝豆可能通过新用户赠送、活动奖励、邀请奖励、购买、会员权益发放或平台补偿获得。不同功能的消耗标准以功能页、订单页和后台配置展示为准；实际消耗会记录在宝豆流水中。
2. Acquisition and Consumption
Beans may be obtained through new-user gifts, event rewards, invitation rewards, purchases, membership benefit grants, or platform compensation. Consumption standards for different functions are subject to function pages, order pages, and backend configuration. Actual consumption will be recorded in the bean ledger.
三、有效期和限制
宝豆和虚拟权益可能存在有效期、适用功能、使用次数、账号限制和活动规则。宝豆不可提现、不可转让、不可售卖、不可兑换法定货币，账号注销后未使用权益将按页面规则和法律规定处理。
3. Validity and Restrictions
Beans and virtual benefits may have validity periods, applicable functions, usage limits, account restrictions, and event rules. Beans cannot be withdrawn, transferred, sold, or exchanged for legal tender. After account cancellation, unused benefits will be handled according to page rules and legal requirements.
四、iOS App 内购买规则
在 iOS App 内购买虚拟商品、宝豆、会员权益或 AI 数字服务时，我们将遵守 Apple App Store 规则，通过 Apple IAP 处理或关闭相关购买入口。iOS App 内不会引导用户使用微信、支付宝或其他外部支付购买虚拟商品和数字权益。
4. iOS In-App Purchase Rules
When purchasing virtual goods, beans, membership benefits, or AI digital services inside the iOS app, we comply with Apple App Store rules and process purchases through Apple IAP or close the relevant purchase entry. The iOS app will not direct users to WeChat Pay, Alipay, or other external payment methods for virtual goods and digital benefits.
五、退款与异常订单
退款规则以购买页、订单页、Apple IAP 规则、支付渠道规则和法律法规为准。若出现到账延迟、重复扣款、权益未发放或订单异常，请联系客户支持，我们会结合支付渠道、订单流水和风控记录核验处理。
5. Refunds and Abnormal Orders
Refund rules are subject to the purchase page, order page, Apple IAP rules, payment channel rules, and applicable laws. If delayed delivery, duplicate charges, undelivered benefits, or abnormal orders occur, please contact customer support. We will verify and process them based on payment channels, order records, and risk-control logs.