have not been able to find definitive information on this. IUP allows upgrade after 12 months it with iPhone X delayed for at least two to three months (longer with low supply??) I will need to make at least three to four more payments on my current iPhone 7 plus. When I trade in I would still need to turn in my phone and then I am basically short 100-150 dollars. Will Apple make this right by refunding some money past the 12 months mark? The only reason I bought the IUP last year was to be able to upgrade every 12 months. As it stands now I pay more money and still have to return my current phone. That sucks.