Refund Policy

1. Overview

This Refund Policy explains when and how you may obtain a refund for a paid subscription to Paylo.One (the "Service"), operated by Paylo One, registered with the Dutch Chamber of Commerce (KvK) under number 42091728 ("we", "us", or "our"). It forms part of, and should be read together with, our Terms and Conditions.

This policy applies to subscriptions purchased directly through the Service. Where a subscription is purchased through a third-party marketplace or reseller, that party's refund terms apply instead.

2. Subscriptions and Billing

The Service is offered as a recurring subscription billed in advance on a monthly or annual basis, depending on the plan you choose. Each billing cycle renews automatically at the then-current price until you cancel.

Payments are processed by our payment processor, Paddle, which acts as the merchant of record for your purchase. Applicable taxes are calculated and collected by Paddle at checkout based on your billing location.

3. Right of Withdrawal (Consumers in the EU/EEA)

If you are a consumer resident in the European Union or European Economic Area, you have a statutory right to withdraw from your purchase within fourteen (14) days of the transaction, without giving any reason.

Because the Service is supplied as digital content and online services, you expressly agree that we may begin providing the Service immediately after purchase, and you acknowledge that by doing so you lose your right of withdrawal once the Service has been fully performed. Where the Service has only been partly performed within the withdrawal period, any refund may be reduced proportionately to reflect the use you have already made of it.

To exercise your right of withdrawal within the applicable period, contact us at access@paylo.one before the fourteen (14) day period expires. We will process any refund due to the original payment method without undue delay.

4. Cancellation

You may cancel your subscription at any time from your account settings or by contacting us at access@paylo.one. Cancellation stops future renewals; it does not, by itself, trigger a refund for the current billing period.

When you cancel, your subscription remains active until the end of the billing period you have already paid for, after which it will not renew and paid features will no longer be available.

5. Refunds Outside the Withdrawal Period

Outside any applicable statutory withdrawal period, subscription fees are generally non-refundable, and we do not provide refunds or credits for partial billing periods, unused time, or features you did not use.

We may, at our discretion, grant a refund in circumstances such as the following:

• A sustained failure of the Service that we are unable to resolve within a reasonable time and that materially prevented you from using it.
• A duplicate or clearly erroneous charge.
• A renewal charged after you had already requested cancellation.
• Where a refund is required by the consumer protection or other laws that apply to you.

6. How to Request a Refund

To request a refund, email us at access@paylo.one from the address associated with your account. Please include the account or workspace name, the approximate date of the charge, and a brief description of the reason for your request.

We aim to acknowledge refund requests within five (5) business days. Approved refunds are issued to the original payment method through Paddle; the time for the funds to appear depends on your payment provider.

7. Chargebacks

If you believe a charge is incorrect, please contact us before initiating a chargeback or payment dispute with your bank, so that we can resolve the matter directly and more quickly. We reserve the right to suspend or terminate access to the Service in connection with a chargeback raised without first contacting us.

8. Changes to This Policy

We may update this Refund Policy from time to time. When we do, we will revise the version and effective date shown at the top of this document. The policy that applies to a given purchase is the one in effect at the time of that purchase.

9. Contact

If you have questions about this Refund Policy, you can contact Paylo One at access@paylo.one or by post at Lange Viestraat 2B, 3511 BK Utrecht, Netherlands. Paylo One is registered with the Dutch Chamber of Commerce under KvK 42091728.