Refund and Cancellation Policy

1. App subscriptions

• You can cancel at any time in "Manage subscription". Cancellation stops the next renewal; you keep access until the end of the period already paid.
• Renewal payments and partial periods are not refunded, except where the law requires.
• If you were charged after cancelling, or charged twice, write to us and we will refund the error.
• Extra credits that have not been used can be refunded under section 3; used credits are not refunded.

2. Courses and digital products

• Courses and digital products are delivered immediately. Refunds are considered when a product does not work as described or does not include the features listed in its offer.
• Refunds are not given for a change of mind, not having time to use the product, or choosing another solution, except where the law requires.

3. Your legal rights

Where your local law gives you a right to cancel a purchase made online within a set period, such as 7 days under the Brazilian Consumer Defense Code or 14 days in the European Union, we honour it under the conditions of that law. Nothing in this policy limits rights you have under mandatory consumer law.

4. How to request a refund

Write to support@factual.money from the email used for the purchase, with the order or receipt number and the reason. We answer within 5 business days. Approved refunds go to the original payment method; your bank may take some days to post them. We are not responsible for differences caused by exchange rates between the purchase and the refund.

5. Payment disputes

Please contact us before opening a dispute with your card issuer; most issues are solved quickly. While a dispute is open, we may suspend access to the product in question. Purchases are personal and cannot be transferred to another account.

6. Changes

We may update this policy. The version in effect on the date of your purchase applies to that purchase.