If I don't use all my credits within the 12 months, can I get a refund on those that remain?

Yes, however we would charge you the full individual retail price for all the songs that you did download.  Then, if there is money remaining, we would refund you the balance.  For example, if you bought 500 credits for $800, spent 150 credits on 10 orchestrations, and then decided you wanted a refund on your remaining 350 credits, you would be refunded the full $800 less the full price for your 10 orchestrations (i.e. 10 x $40), giving you a net refund of $400 (prices stated are only examples).