How do credits work? All subscriptions are duration based, for either a 3 month period or 12 month period. Credit usage is essentially a maximum usage limit, so at the end of the subscription period any remaining credits will expire. On entering the client’s age, gender and name, one credit will be used. Once entered, there is no limit on the amount of research and/or reports you may do for that client for up to a year or until the subscription period expires. If you reach your maximum limit before the subscription period ends, it’s easy to upgrade your usage to a higher level. How do monthly payments work? Monthly payment subscriptions are paid by direct debit setup via GoCardless. Subscriptions are for a 12 month period, therefore a 3 month cancellation fee applies if cancelled within the subscription period. Click here to see the terms and conditions of the online service.