Refund Policy

Last updated: 1 August 2026

This Refund Policy applies to paid AIFolio subscriptions. Payments are processed by Creem (Armitage Labs OÜ), our Merchant of Record, and refunds are issued through Creem in accordance with this policy.

14-day money-back guarantee. If you are not satisfied with a paid AIFolio subscription for any reason, email us within 14 days of your first payment and we will refund it in full. You do not need to give a reason. This is offered in addition to, and does not limit, the statutory rights described below.

1. Subscriptions & renewals

Subscriptions are billed in advance each period and renew automatically until cancelled. You can cancel at any time by opening Manage Billing at the top of your dashboard, which takes you straight to the Creemportal — no need to contact us first. The same portal is where you change plan, switch between monthly and yearly, and update your card. Cancellation stops future renewals immediately, and your paid features remain active until the end of the current paid period. Cancelling does not, by itself, trigger a refund of the current period unless required by law or stated below.

2. EU/UK consumer right of withdrawal

If you are a consumer in the EU or UK, you normally have a 14-day right to withdraw from a purchase of digital services. By starting to use a paid feature within this period, you acknowledge that the service begins immediately and that your right of withdrawal may end once the service has been fully performed. Where the withdrawal right applies, we will refund you for the unused portion as required by law.

3. Discretionary refunds

Outside the statutory cases above, refunds are provided at our discretion — for example, for a duplicate charge, a technical fault that prevented you from using a paid feature, or an accidental renewal reported promptly. We generally do not refund for periods already used.

4. How to request a refund

Email [email protected] from the address associated with your account, including your order or receipt ID from Creem. We aim to respond within 2 business days. Approved refunds are returned to your original payment method by Creem; processing times depend on your bank or card issuer, and are typically 5–10 business days.

5. Chargebacks

If you believe a charge is incorrect, please contact us first so we can resolve it quickly. Initiating a chargeback without contacting us may result in suspension of your account.

6. Contact

Questions about refunds or billing? Contact us at [email protected]. This policy does not affect your mandatory statutory rights.