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As a paying customer, how much downtime until they have to refund me?

Which part of the agreement you have with them mentions a SLA?

Investor's money viewed as a donation! Because the board doesn't need to listen to you...

Developer's time viewed as unlimited! Because the API has no SLA and can go down for any period of time...

At some point it becomes a failure to deliver goods and warrants a credit card chargeback. If you bought a 10-piece kitchen set on Amazon and only 3 pieces arrived, you’d want a refund.

I think a better analogy in this case, would be if you bought a kitchen set that is advertised as "3 to 10 pieces" and you only receive 3, I'm not sure you could claim a refund, unless they mislead you in some other way.

This is because of the terms of service you agree to when you first signed up to OpenAI, which has "WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ACCURATE OR ERROR FREE" in it, in the "Disclaimer of Warranties" section. https://openai.com/policies/terms-of-use

They upfront tell you that it won't be uninterrupted, so I'm guessing you have little legal rights here for some hours of downtime each month. If it was unavailable for a month or more, things would obviously change.

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