Refund Policy

1. Overview

This Refund Policy applies to subscriptions purchased for Cardabrate, a product operated by The A Dynasty LLC. All payments are processed by Paddle.com Market Limited ("Paddle"), our Merchant of Record, who is the legal seller for all transactions. This policy is part of our Terms of Service.

2. 14-Day Refund Guarantee

We offer a 14-day unconditional refund guarantee on all subscriptions. If you are not satisfied with Cardabrate for any reason, you can request a full refund within 14 days of your purchase — no questions asked.

After the 14-day period, refunds are handled on a case-by-case basis for technical issues, billing errors, or service problems.

3. Exceptions and Special Circumstances

We may consider refund requests in the following situations:

3.1 Technical Issues

If you experience technical problems that prevent you from using the Service, and we are unable to resolve them within a reasonable timeframe, you may be eligible for a prorated refund for the period during which the Service was unavailable.

3.2 Billing Errors

If you are charged incorrectly due to a billing error on our part (e.g., duplicate charges, charging after cancellation), you are eligible for a full refund of the incorrect charge.

3.3 Service Not as Described

If the Service materially differs from how it was described on our website at the time of purchase, you may request a refund within 14 days of the charge.

4. How to Request a Refund

To request a refund under our 14-day guarantee, simply contact us within 14 days of your purchase. No reason required — we'll process your refund promptly.

Step 1: Contact Support

Email us at cardabrate.app@gmail.com with the following information:

• Your account email address
• The date of the charge
• The reason for your refund request
• Details of any technical issues or problems encountered

Step 2: Review Process

Our support team will review your request within 2-3 business days. We may ask for additional information or attempt to resolve any technical issues before processing a refund.

Step 3: Refund Processing

If your refund is approved:

• Paddle will process the refund to your original payment method
• Refunds typically appear within 5-10 business days, depending on your financial institution
• You will receive a confirmation email once the refund has been processed
• Your access to Pro features will be removed immediately upon refund

5. Subscription Cancellation

Cancelling your subscription is different from requesting a refund:

How Cancellation Works

• You can cancel your subscription at any time from your account settings
• Cancellation takes effect at the end of your current billing period
• You retain access to Pro features until the end of the billing period you've paid for
• No charges will occur after your current period ends
• Cancellation does not result in a refund for the current billing period

Avoid Unwanted Charges

To avoid being charged for the next billing period, cancel your subscription at least 24 hours before your renewal date. You can find your renewal date in your account settings or on your Paddle invoice.

6. Free Trial Period

If we offer a free trial period for Pro subscriptions:

• You will not be charged during the trial period
• You can cancel at any time during the trial without being charged
• If you don't cancel before the trial ends, you will be charged for the first billing period
• Trial periods are only available once per customer

7. Annual Subscriptions

Special considerations for annual subscriptions:

• Annual subscriptions are billed as a single payment for 12 months of service
• If eligible for a refund, it will be prorated based on unused months
• Partial month refunds are not provided
• The discounted annual rate is considered when calculating prorated refunds

8. Chargebacks and Disputes

If you dispute a charge with your credit card company or payment provider (a "chargeback"):

• Your account will be immediately suspended pending resolution
• We encourage you to contact us first before initiating a chargeback
• Chargebacks may result in permanent account termination
• You may be responsible for chargeback fees if the dispute is found to be unjustified

Please contact our support team at cardabrate.app@gmail.com before initiating a chargeback. Most issues can be resolved quickly through direct communication.

9. Merchant of Record

Paddle.com Market Limited is the Merchant of Record for all Cardabrate transactions. This means:

• Paddle is the legal seller and appears on your billing statement
• Paddle handles payment processing, invoicing, and tax compliance
• Refunds are processed by Paddle in accordance with their policies and this Refund Policy
• You may see "Paddle.net" or "Paddle.com" on your credit card statement

10. Regional Consumer Rights

10.1 European Union

If you are located in the European Union, you have a right to cancel your purchase within 14 days of subscribing (the "cooling-off period") under the EU Consumer Rights Directive. However, by starting to use the Service immediately upon purchase, you acknowledge that:

• You have requested immediate access to digital content
• You may forfeit your right to cancel if you use the Service during the cooling-off period
• This does not affect your rights in case of defective or non-conforming services

10.2 United Kingdom

UK consumers have similar rights under the Consumer Contracts Regulations 2013. The same considerations regarding immediate access to digital content apply.

10.3 Australia

Australian consumers are entitled to consumer guarantees under the Australian Consumer Law. If our service fails to meet these guarantees, you may be entitled to a remedy.

10.4 Other Jurisdictions

Nothing in this Refund Policy limits or excludes any consumer rights you may have under applicable consumer protection laws in your jurisdiction.

11. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the revised policy.

Refund requests are evaluated under the policy in effect at the time of purchase, not at the time of the refund request.

12. Contact Information

For refund requests, billing questions, or concerns about charges:

Email: cardabrate.app@gmail.com
Subject Line: Refund Request - [Your Email]

For payment and invoice inquiries related to Paddle:

Visit paddle.com/support

13. Summary