Refund & Cancellation Policy

We want you to know the terms BEFORE you pay — not after.

If you are a consumer (natural person without an active JDG), the Polish Consumer Rights Act (Dz.U. 2014 item 827) grants 14 days to withdraw without giving a reason.

• The clock starts on the day of your first subscription payment.
• To use this right, email shaposhnik.mcd@gmail.com with subject «Withdrawal».
• We refund the full amount to the same payment method within 14 days of receiving your statement.

Exception (art. 38 pkt 13): if you explicitly consented to start delivery of digital content before the 14-day period ends and confirmed you understand you lose the right of withdrawal, no refund applies. This clause activates when you tick the mandatory consent box at Stripe Checkout — accepting the Terms together with your consent to immediate start of the service and your acknowledgment that you lose the right of withdrawal.

Cancellation stops the next charge. Access continues until the end of the paid period.

• Monthly: cancel at least 1 day before renewal — next charge will not happen.
• Yearly: cancel anytime; access continues until year-end. Pro-rata refund only in cases from §4.
• Downgrade: applies from the next period. Difference is not refunded.

Pro-rata refund is available in these cases:

• Service outage longer than 48 consecutive hours on our side, preventing access to paid features.
• Double charge or billing error — refunded within 5 business days.
• Fraudulent charge (confirmed by Stripe) — instant refund + payment method blocked.

Listed transparently to avoid disputes:

• Unused days in an active period after you cancelled (access continues — that's not a refund).
• A subscription where the plan was used (documents/JPK/invoices were generated) — outside cases in §4 and §2.
• Bookkeeper consultation payments — refunded under a separate policy; see Bookkeeper Marketplace Terms (in preparation).
• Payment processor fees (Stripe keeps a processing fee that we cannot access).

No forms, no chatbots — plain email:

1. Email shaposhnik.mcd@gmail.com with subject «Refund» or «Cancellation».
2. Include account email, charge date, transaction ID (Stripe receipt), brief reason.
3. We confirm receipt within 1 business day.
4. Decision within 5 business days; refund within 14 days of decision to the same payment method.

If you don't hear back in 2 business days, resend your message with the same subject.

If you have a complaint about a charge, contact us first. A direct chargeback through your bank before trying support makes the process harder for you and may freeze your account until the dispute is resolved. We always respond.

Changes to this policy are not retroactive — they apply only to payments made after the update date. Active subscriptions remain on the old version until renewal.

Last updated · 28 May 2026