Can I have a refund of credits if a lady or I end our relationship?

No. There was a lot of work that went into translating the letters and contacting the ladies by the affiliates. The affiliates deserve to be compensated for their work. Where a relationship will end up is unpredictable, so everyone should know this before writing a lady. However, if the ladies or agency were behaving unethically, that is a different situation and will be investigated on a case-by-case basis.