diff --git a/src/backend/controllers/events/limits.test.ts b/src/backend/controllers/events/limits.test.ts
index b9574cb48..d673becd5 100644
--- a/src/backend/controllers/events/limits.test.ts
+++ b/src/backend/controllers/events/limits.test.ts
@@ -27,6 +27,7 @@ import { describe, expect, it } from 'vitest';
 import {
     DEFAULT_FREE_SUBSCRIPTION,
     DEFAULT_TEMP_SUBSCRIPTION,
+    ORG_SEAT_FREE_SUBSCRIPTION,
 } from '../../services/metering/consts.js';
 import {
     EVENTS_BROADCAST_DELIVERY_LIMIT,
@@ -58,6 +59,23 @@ describe('the tiered subscription quotas', () => {
         expect(tier.bySubscription[DEFAULT_TEMP_SUBSCRIPTION]).toBe(0);
     });
 
+    it('holds a free plan nobody enumerated to the free cap, not the paid one', () => {
+        // A team seat resolves to `org_seat_free`, which no tier names. Falling
+        // through to `limit` would give it more than an ordinary free account.
+        for (const tier of tiers.map(([, t]) => t)) {
+            expect(limitFor(tier, ORG_SEAT_FREE_SUBSCRIPTION)).toBe(
+                tier.bySubscription[DEFAULT_FREE_SUBSCRIPTION],
+            );
+        }
+    });
+
+    it('still holds an unresolved or paid plan to the base', () => {
+        for (const tier of tiers.map(([, t]) => t)) {
+            expect(limitFor(tier, null)).toBe(tier.limit);
+            expect(limitFor(tier, 'some-paid-tier')).toBe(tier.limit);
+        }
+    });
+
     it('keeps what one app may take below what the account may hold', () => {
         for (const plan of [
             null,
diff --git a/src/backend/controllers/events/limits.ts b/src/backend/controllers/events/limits.ts
index 64b11323a..45c8be9b3 100644
--- a/src/backend/controllers/events/limits.ts
+++ b/src/backend/controllers/events/limits.ts
@@ -21,6 +21,7 @@ import type { RouteRateLimit } from '../../core/http/types';
 import {
     DEFAULT_FREE_SUBSCRIPTION,
     DEFAULT_TEMP_SUBSCRIPTION,
+    FREE_SUBSCRIPTION_IDS,
 } from '../../services/metering/consts.js';
 
 // -- Shared event limits ---------------------------------------------
@@ -61,14 +62,18 @@ const tiered = (paid: number, free: number, temp: number): TieredLimit => ({
     },
 });
 
-/** The cap one plan sees. An unresolved plan is held to the base. */
+/** The cap one plan sees; an unlisted free plan takes the free one, not `limit`. */
 export const limitFor = (
     tier: TieredLimit,
     subscriptionId: string | null,
-): number =>
-    (subscriptionId === null
-        ? undefined
-        : tier.bySubscription[subscriptionId]) ?? tier.limit;
+): number => {
+    if (subscriptionId === null) return tier.limit;
+    const own = tier.bySubscription[subscriptionId];
+    if (typeof own === 'number') return own;
+    return FREE_SUBSCRIPTION_IDS.has(subscriptionId)
+        ? (tier.bySubscription[DEFAULT_FREE_SUBSCRIPTION] ?? tier.limit)
+        : tier.limit;
+};
 
 /**
  * What a plan-tiered quota resolves to: what an account may hold, and what one
diff --git a/src/backend/core/http/middleware/rateLimit.js b/src/backend/core/http/middleware/rateLimit.js
index 94f5426f9..5e08cce27 100644
--- a/src/backend/core/http/middleware/rateLimit.js
+++ b/src/backend/core/http/middleware/rateLimit.js
@@ -21,6 +21,10 @@
 import crypto from 'node:crypto';
 import { withSpan } from '../../../util/span.js';
 import { HttpError } from '../HttpError.js';
+import {
+    DEFAULT_FREE_SUBSCRIPTION,
+    FREE_SUBSCRIPTION_IDS,
+} from '../../../services/metering/consts.js';
 
 /**
  * Sliding-window rate limiter with swappable, **co-resident** backends.
@@ -808,6 +812,15 @@ export const CONCURRENT_SLOT_TTL_MS = ORPHAN_SAFETY_TTL_MS;
  * actor, no metering, metering throws) falls through to the base — rate /
  * concurrency limiting should never _amplify_ a request failure path.
  */
+// An unlisted free plan would otherwise take `limit`, the paid cap.
+function overrideFor(bySubscription, subscriptionId) {
+    const own = bySubscription[subscriptionId];
+    if (typeof own === 'number') return own;
+    return FREE_SUBSCRIPTION_IDS.has(subscriptionId)
+        ? bySubscription[DEFAULT_FREE_SUBSCRIPTION]
+        : undefined;
+}
+
 async function resolveSubscriptionLimit(req, opts) {
     const base = opts.limit;
     if (!opts.bySubscription || !meteringService) return base;
@@ -815,7 +828,7 @@ async function resolveSubscriptionLimit(req, opts) {
     if (!actor?.user?.uuid) return base;
     try {
         const sub = await meteringService.getActorSubscription(actor);
-        const override = opts.bySubscription[sub.id];
+        const override = overrideFor(opts.bySubscription, sub.id);
         return typeof override === 'number' ? override : base;
     } catch {
         return base;
diff --git a/src/backend/core/http/middleware/rateLimit.test.js b/src/backend/core/http/middleware/rateLimit.test.js
index eba19f91a..96ec4e2e8 100644
--- a/src/backend/core/http/middleware/rateLimit.test.js
+++ b/src/backend/core/http/middleware/rateLimit.test.js
@@ -406,6 +406,51 @@ describe('rateLimitGate — bySubscription overrides', () => {
         expect(await runGate(opts, paidReq)).toBeUndefined();
     });
 
+    it('holds a free plan the spec never named to the free cap', async () => {
+        // A team seat resolves to `org_seat_free`; no driver enumerates it, and
+        // falling through to `limit` would outrank an ordinary free account.
+        configureRateLimit({
+            metering: {
+                getActorSubscription: async () => ({ id: 'org_seat_free' }),
+            },
+        });
+        const opts = {
+            limit: 100,
+            window: 60_000,
+            bySubscription: { user_free: 1 },
+            key: 'user',
+            scope: 'rl-sub-orgseat',
+        };
+        const req = () => ({
+            actor: { user: { id: 7, uuid: 'seat' } },
+            headers: {},
+        });
+        expect(await runGate(opts, req())).toBeUndefined();
+        expect(isHttpError(await runGate(opts, req()))).toBe(true);
+    });
+
+    it('still gives a paid plan the base when it names no cap of its own', async () => {
+        configureRateLimit({
+            metering: {
+                getActorSubscription: async () => ({ id: 'some-paid-tier' }),
+            },
+        });
+        const opts = {
+            limit: 2,
+            window: 60_000,
+            bySubscription: { user_free: 1 },
+            key: 'user',
+            scope: 'rl-sub-paid-unlisted',
+        };
+        const req = () => ({
+            actor: { user: { id: 8, uuid: 'paid2' } },
+            headers: {},
+        });
+        expect(await runGate(opts, req())).toBeUndefined();
+        expect(await runGate(opts, req())).toBeUndefined();
+        expect(isHttpError(await runGate(opts, req()))).toBe(true);
+    });
+
     it('falls back to the base `limit` when metering throws', async () => {
         configureRateLimit({
             metering: {
diff --git a/src/backend/drivers/ai-chat/ChatCompletionDriver.test.ts b/src/backend/drivers/ai-chat/ChatCompletionDriver.test.ts
index 7801911ad..6b3709dec 100644
--- a/src/backend/drivers/ai-chat/ChatCompletionDriver.test.ts
+++ b/src/backend/drivers/ai-chat/ChatCompletionDriver.test.ts
@@ -738,6 +738,41 @@ describe('ChatCompletionDriver.complete credit gate and max_tokens cap', () => {
         });
     }
 
+    it('rejects subscriber-only models for a team seat on the free org plan', async () => {
+        // `org_seat_free` pays nothing, so it must not reach a paid model —
+        // the gate checks every free plan, not two named ones.
+        vi.spyOn(FakeChatProvider.prototype, 'models').mockResolvedValueOnce([
+            {
+                id: 'subonly-seat',
+                aliases: [],
+                costs_currency: 'usd-cents',
+                costs: { 'input-tokens': 100, 'output-tokens': 100 },
+                max_tokens: 8192,
+                subscriberOnly: true,
+            },
+        ]);
+        const d = await makeDriver();
+        vi.spyOn(server.services.metering, 'getRemainingUsage').mockResolvedValue(
+            1_000_000,
+        );
+        vi.spyOn(
+            server.services.metering,
+            'getActorSubscription',
+        ).mockResolvedValue({ id: 'org_seat_free' } as never);
+
+        await expect(
+            withTestActor(() =>
+                d.complete({
+                    model: 'subonly-seat',
+                    messages: [{ role: 'user', content: 'hi' }],
+                }),
+            ),
+        ).rejects.toMatchObject({
+            statusCode: 403,
+            legacyCode: 'permission_denied',
+        });
+    });
+
     it('rejects subscriber-only models for the default free subscription', async () => {
         vi.spyOn(FakeChatProvider.prototype, 'models').mockResolvedValueOnce([
             {
diff --git a/src/backend/drivers/ai-chat/ChatCompletionDriver.ts b/src/backend/drivers/ai-chat/ChatCompletionDriver.ts
index d154dcc16..1972b148a 100644
--- a/src/backend/drivers/ai-chat/ChatCompletionDriver.ts
+++ b/src/backend/drivers/ai-chat/ChatCompletionDriver.ts
@@ -23,10 +23,7 @@ import { EventMap } from '../../clients/event/types.js';
 import type { Actor } from '../../core/actor.js';
 import { Context } from '../../core/context.js';
 import { HttpError, isHttpError } from '../../core/http/HttpError.js';
-import {
-    DEFAULT_FREE_SUBSCRIPTION,
-    DEFAULT_TEMP_SUBSCRIPTION,
-} from '../../services/metering/consts.js';
+import { FREE_SUBSCRIPTION_IDS } from '../../services/metering/consts.js';
 import type { CreditHold } from '../../services/metering/types.js';
 import { NO_CREDIT_HOLD } from '../../services/metering/types.js';
 import type { DriverStreamResult } from '../meta.js';
@@ -920,10 +917,8 @@ export class ChatCompletionDriver extends PuterDriver {
 
         if (model.subscriberOnly) {
             const subscription = await metering.getActorSubscription(actor);
-            const isDefaultPolicy =
-                subscription.id === DEFAULT_FREE_SUBSCRIPTION ||
-                subscription.id === DEFAULT_TEMP_SUBSCRIPTION;
-            if (isDefaultPolicy) {
+            // Every free plan, not two named ones.
+            if (FREE_SUBSCRIPTION_IDS.has(subscription.id)) {
                 throw new HttpError(
                     403,
                     `The model ${model.id} is only available to subscribers. Please subscribe to access this model.`,