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Refund Policy

Last updated: September 10, 2026

This policy describes when you may request a refund for a paid Folio plan and how we process it.

14-day money-back guarantee

Email [email protected] within 14 days of your first payment and we will refund it in full. No reason is required.

Renewals

If a renewal charge catches you by surprise, contact us within 14 days and, provided you have made no substantial use of the new period, we will refund it and cancel the subscription. Duplicate charges, unauthorised charges, post-cancellation charges, and substantial service failures are always put right.

Not normally refunded

Fully used billing periods, accounts terminated for breach of the Terms, and dissatisfaction with investment performance are not normally refundable, except where mandatory law applies.

How to request a refund

Email [email protected] from your account email with the charge date and amount or Paddle order number. We reply within 2 business days. Approved refunds are issued within 5 business days to the original payment method; banks may take another 5–10 business days.

Refunds are processed by Paddle

Paddle.com is the Merchant of Record and merchant on your statement, so refunds are issued through Paddle. You may contact us at [email protected] or Paddle at paddle.net.

Your statutory rights and contact

Nothing limits mandatory consumer rights, including Brazilian Consumer Protection Code Art. 49 or equivalent EU and UK cooling-off rights. Contact: [email protected].