Refund Policy

1. Overview

This Refund Policy applies to the one-time AI Financial Report and Premium monthly or yearly subscriptions purchased through StatementRadar. Free accounts do not involve a payment and are not eligible for a refund.

Digital services can be delivered or consumed immediately. For that reason, a successful payment does not automatically guarantee refund eligibility after an AI analysis has started, a report has been generated, Premium usage has occurred, or a downloadable PDF has been accessed.

2. One-time AI Financial Report

A one-time AI Financial Report purchase provides one paid analysis credit. We will normally consider a refund where a verified technical failure prevents the credit from being used and we cannot restore the credit or deliver the purchased service within a reasonable period.

Once the analysis has started processing, produced a completed report, generated usable analytics, enabled AI statement chat, or made the professional PDF report available, the digital service is generally considered consumed. Refunds after consumption are reviewed case by case and may be declined unless required by law.

3. Premium subscriptions

• Premium renews monthly or yearly until cancelled.
• Cancellation normally prevents a future renewal; it does not automatically refund the current billing period.
• Where cancellation is scheduled at period end, Premium may remain available until the paid period expires.
• Refunds for accidental renewals, duplicate charges or significant technical failure are reviewed case by case.
• Usage during the billing period—including completed analyses, saved reports, statement comparisons or AI chat—may affect refund eligibility.

4. Situations that may qualify for review

• A duplicate charge for the same intended purchase.
• A confirmed payment where StatementRadar failed to activate access and could not correct the problem.
• A paid analysis credit that could not be used because of a persistent platform error.
• A Premium renewal that the customer reasonably believes occurred after a timely cancellation request.
• A product that materially differs from its description and cannot be corrected.
• A refund required by applicable consumer-protection law.

5. Requests normally not eligible

• Change of mind after the digital service has been used or substantially delivered.
• Dissatisfaction with an AI categorization, forecast, score or insight where the platform otherwise produced the described analysis.
• Failure to verify generated results against the original statement.
• Uploading an unsupported, password-protected, corrupted or unreadable statement.
• Incorrect user-provided information or unauthorized use of another person’s statement.
• Failure to cancel Premium before renewal.
• Temporary third-party outages that are resolved and do not permanently prevent service delivery.
• Refund abuse, repeated refund requests, fraud, chargeback manipulation or violation of the Terms of Service.

6. How to request a refund

Contact support@statementradar.com promptly and include:

• The email address used for the StatementRadar account.
• The Paddle transaction or receipt reference.
• The product purchased and transaction date.
• A clear explanation of the issue.
• Relevant screenshots or error messages without exposing full bank-account or payment-card details.

You may also use Paddle’s buyer support channels shown on the receipt or Paddle buyer portal. Do not send bank login credentials, PINs, one-time passwords, full card numbers or security codes.

7. Review, approval and processing time

Refund requests are reviewed individually. We may first attempt to restore access, replace an unused credit, correct a subscription status, or resolve a technical problem.

Approved refunds are processed through Paddle to the original payment method where possible. The time required for the refund to appear depends on Paddle, the payment method, card network and financial institution. StatementRadar does not issue direct cash, bank-transfer or off-platform refunds for Paddle transactions.

8. Chargebacks and payment disputes

Contact us before initiating a chargeback so we have an opportunity to investigate. Fraudulent or abusive disputes may result in account suspension, loss of access, cancellation of unused credits and submission of relevant transaction records to Paddle or the payment provider.

9. Mandatory consumer rights

Nothing in this policy limits rights that cannot legally be waived. Consumers may have statutory cancellation, conformity or refund rights depending on location, the nature of the digital service, whether performance began immediately, and whether legally required consent or acknowledgement was provided.

Where this policy conflicts with mandatory law or Paddle’s legally applicable buyer obligations, the mandatory rule will control.

10. Contact