Refund Policy

1. Overview

This Refund Policy explains how cancellations, refunds, and billing disputes work for purchases made through [PLACEHOLDER: Trading / brand name — e.g. “Flagswing”], operated by [PLACEHOLDER: Legal name of the entity operating the marketplace]. It supplements our Terms of Service.

Effective date: [PLACEHOLDER: Effective date of this document — e.g. 17 April 2026].

Payments may be processed by Paddle. In some cases, their dispute or chargeback rules may also apply.

2. Digital goods

Many jurisdictions treat digital content delivered instantly as final once delivery begins, with limited cancellation rights. [PLACEHOLDER: EU/UK/EEA 14-day withdrawal and the “I agree to immediate delivery and lose withdrawal” checkbox text you use at checkout, if applicable.]

[PLACEHOLDER: define when “delivery” occurs — e.g. on successful download or license grant; and whether streaming-only access counts as delivered.]

3. When we may issue a refund

We may provide refunds or account credits where required by law or at our discretion, including:

• Duplicate charges or proven billing errors.
• Technical failure that prevents access and cannot be resolved within a reasonable time.
• Major misdescription of what was purchased (subject to verification). [PLACEHOLDER: evidence you require.]
• Mandatory consumer rights in your region that cannot be waived.

[PLACEHOLDER: time window to request a refund — e.g. 7 / 14 / 30 days — and exclusions.]

4. Subscriptions

Subscription fees may renew until cancelled. If you cancel, you typically retain access until the end of the current billing period unless stated otherwise at purchase. [PLACEHOLDER: mid-cycle refunds, partial months, annual plans, and free-trial conversion rules.]

5. Chargebacks and payment disputes

Please contact us before filing a chargeback so we can investigate. Unfounded chargebacks may result in account suspension and loss of licenses where permitted. [PLACEHOLDER: appeal process.]

6. Taxes and currency

Refunds, if issued, are generally processed in the same currency and via the same payment method where possible. Tax treatment depends on local rules and processor capabilities. [PLACEHOLDER: Tax / VAT ID if you publish one — or remove this sentence]

7. How to request help

Email [PLACEHOLDER: contact@yourdomain.com] with your transaction reference, account email, and a short description. [PLACEHOLDER: SLA and business hours.]

8. Changes

We may update this policy to reflect product, legal, or processor changes. [PLACEHOLDER: notice approach for material changes.]