Refund Policy

1. Results-as-a-Service™ Guarantee

The platform operates on a Results-as-a-Service (RAAS™) model. You pay for measurable business outcomes, not software access. If a delivered report or service does not meet the quality standards described in its product tier, you may request a revision or credit adjustment within 7 days of delivery.

2. Per-Use Services

Per-use services (reports, diagnoses, consulting sessions) are fulfilled upon delivery. Once a report is generated and delivered, the service is considered complete. Quality disputes must be raised within 7 days of delivery with specific grounds.

• Quick Analysis ($19): Eligible for revision if quality standards not met
• Standard Report ($598): 1 revision included, additional revisions at 25% of report price
• Professional Report ($99): 1 revision included within 14 days
• Deep Research ($1,798): 2 revisions included within 30 days
• Enterprise ($2,998): 3 revisions included within 60 days

3. Subscription Cancellations

Subscriptions (daily, weekly, monthly, quarterly) may be cancelled at any time. Cancellation takes effect at the end of the current billing period. No partial refunds are issued for unused time within the current period. Annual subscriptions are not offered.

4. Credits (CR) Policy

Credits are non-refundable and expire 12 months from the date of acquisition. Credits may be used across all platform services. Credit balances are visible in the CXPAY™ wallet dashboard. Unused credits from cancelled subscriptions remain available until their expiration date.

5. Payment Method Refunds

• CXPAY™ Instant Pay: Refunds processed to original payment method within 5-10 business days
• CXPAY™ Wire Gateway: Refunds issued via bank transfer within 10-15 business days
• CXPAY™ Crypto Gateway: Refunds issued in the original cryptocurrency at the prevailing exchange rate
• CXPAY™ Credits: Refunds issued as credits back to wallet, immediate

6. Non-Refundable Items

• Academy course access after 24 hours of enrollment
• Certification exam fees after exam commencement
• Community membership fees after 48 hours
• API usage charges for consumed requests
• Gift card conversions

7. Dispute Resolution

For quality disputes or refund requests, contact CXPAY™ Billing via your portal or the contact page within the applicable timeframe. The platform will respond within 2 business days. Escalated disputes are reviewed by senior management within 5 business days.

8. Consumer Protection Compliance

This policy complies with consumer protection regulations in applicable jurisdictions. Users in jurisdictions with mandatory cooling-off periods receive the greater of the statutory period or 7 days.