Research is paid for out of a prepaid balance held by your workspace and denominated in US dollars. A run is charged once, when it ends, for the research it did, and the charge stands in your workspace's balance ledger in dollars. A run that ends without a report is charged only what its work cost us. There is no per-report price, because reports are not uniform: a short briefing and a deep diligence report differ in cost by an order of magnitude.
Prices are shown without VAT. Where VAT applies, Polar adds it at checkout as Merchant of Record.
- Free carries no subscription and no monthly balance. A person's first report is free, once per person, whatever plan the workspace is on: we pay for its research up to a limit we set, and where it needs more it waits for your balance like any other run. A first report that fails for a technical reason on our side does not use up the free report. Free reports can pause for the rest of a day, in UTC, once that day's are taken. API and MCP access are included and rate-limited.
- Paid plans are billed monthly in advance and add their price to your balance at the start of each billing period. Those funds belong to that period: they stop being spendable when the period ends, and an unused monthly allowance does not roll over.
- Balance you buy outright - a top-up, at any time - has no period attached. It stays spendable while your account is open, including after a subscription ends.
- Moving to a higher plan part-way through a period adds the difference between the two plans' monthly funding, scaled to how much of the period is left, and never more than you were charged for the change. Moving to a lower plan adds nothing and takes nothing back; the lower funding applies from your next period.
- Promotional credit, where we issue it, is granted once per account, has no cash value, and is not refundable.
No cost is quoted before a run starts. What a run costs is settled from its own work when it ends, and every movement stands in your workspace's balance ledger.
There is no spending limit to set: the only bound on a run is your balance, and the funding instruction in clause 11 if you have given one. A run starts only where your balance still covers what your runs already in flight may owe, and a run whose money runs out stops where it stands, spending nothing, and carries on from there once your balance covers the work still ahead of it, unless you give the order up first. A run still waiting after seven days ends where it stands and tells you why. Whatever it spent past what you held is ours: your balance never falls below nothing, and nothing you were not funded for is owed.
Each kind of money in your balance carries its own term, and your billing page states it: a monthly allowance stops when its period ends, a promotional balance carries the term stated when it is granted, and balance you bought does not stop. What a term leaves behind is recorded as expired rather than quietly removed.
Prices, plan contents and what research costs can change. A change to a recurring price takes effect from your next billing period after we tell you, and you may cancel before it applies. A change to what research costs applies from the moment it is set and never reprices work already charged.