Refund Policy

This Refund Policy applies to subscriptions purchased directly from [COMPANY] for OnPoint. Statutory consumer rights vary by country and always apply where they cannot be waived.

1. 14-day right of withdrawal

If you are a consumer, you may have the right to withdraw from a distance contract within 14 days without giving a reason. The exact period and rules vary by country. For OnPoint, the intended rule is: [WITHDRAWAL-PERIOD RULES, INCLUDING WHEN THE PERIOD STARTS].

If you expressly request immediate access during the withdrawal period, local law may allow us to deduct a proportionate amount for service already supplied. For digital content or services, the right may in some countries be lost after explicit consent to immediate performance and acknowledgement of that consequence. Complete [DIGITAL-SERVICE CONSENT AND LOCAL EXCEPTIONS] before launch.

2. How to request withdrawal or a refund

Email [CONTACT EMAIL] before the applicable deadline with your account email, purchase date, transaction reference if available, country of residence and a clear statement that you wish to withdraw or request a refund. Do not send card details or patient information. We will acknowledge the request and may verify account ownership.

3. Refund processing

Approved refunds are returned through Stripe to the original payment method, unless law requires another method. We do not store card numbers. We will initiate reimbursement within [REFUND PROCESSING PERIOD] after approval or within the statutory deadline. Your bank or card issuer may require additional processing time. Access may end when a full refund is issued.

4. After the withdrawal period

After the applicable withdrawal period, subscription fees are generally non-refundable. Cancelling prevents future renewal and access continues until the end of the paid period. We may issue a full or partial refund where required by law or, at our discretion, for duplicate charges, verified billing errors or prolonged material service failure.

5. Exceptions

• No refund is normally provided for unused time, forgotten cancellation, change of mind after the applicable period, or suspension caused by a material breach.
• Founder pricing is forfeited on cancellation and is not restored by a refund or later resubscription.
• Student eligibility rejection will be handled under [STUDENT PAYMENT / REFUND RULE].
• Nothing in this policy excludes remedies for a defective service or other mandatory consumer rights.

6. Payment partner

Stripe processes payments and refunds as our payment partner. Stripe's processing times and the rules of your payment method may affect when funds appear. A refund request should be sent to us first at [CONTACT EMAIL], not with sensitive card information.

7. Contact

[COMPANY], [REGISTRATION NUMBER], [POSTAL ADDRESS], [COUNTRY]. Email: [CONTACT EMAIL]. The governing withdrawal rules are [GOVERNING CONSUMER LAW / COUNTRY-SPECIFIC RULES].