# Refund and Cancellation Policy | CRBN.CREDIT **URL:** https://crbn.credit/refunds **Last Updated:** 12 September 2026 --- ## The short version - Every plan starts with a **14 day free trial**. Nothing is charged during it. - Cancel before the trial ends and you are never charged at all. - Cancel later and you keep access until the end of the period already paid for. It then stops and does not renew. - We do not pro-rate a part-used period, because the allowance for it stays available to you until it ends. - If we billed you in error, or the service was unavailable for a period you paid for, we refund it. --- ## 1. Who takes the payment Subscriptions are sold and processed by **Paddle.com Market Ltd**, acting as merchant of record. Your contract for the purchase is with Paddle, your invoice comes from them, and sales tax or VAT is calculated and remitted by them. No card details are stored on our servers. A refund can be arranged by either of us. Writing to us is usually faster. --- ## 2. The free trial Every plan (Analyst $99 a month, Desk $399 a month, Firm $1,600 a year) begins with a 14 day free trial. A payment method is collected when the trial starts so the subscription can continue without a second step, but **no payment is taken during the trial**. We email before the trial ends, so the first charge is never a surprise. Cancel at any point before it ends and there is nothing to refund because nothing was charged. The trial carries 25 assessments whichever plan was chosen. Everything else is available in full. --- ## 3. Cancelling Cancel from **Plan and usage** inside your account. One button. No retention call, no form, nothing to email. Cancelling stops the next renewal. The plan stays active until the end of the period already paid for, then ends. The cancellation can be reversed from the same screen at any time before that date. We do not refund the unused part of a period that has already started, because the allowance for that period remains yours to spend until it ends. Your account, retirement ledger and saved reports are not deleted when a subscription ends. Registry lookup, the compliance price board and your ledger keep working. Only the metered assessments stop. --- ## 4. Changing plan - **Moving up** takes effect immediately. You are charged the difference for the remainder of the current period only, and the larger allowance is available straight away. - **Moving down** takes effect at the next renewal, so you keep the allowance already paid for until the period ends. There is no refund or credit for the difference, because nothing was taken away in the meantime. --- ## 5. The annual plan Firm is billed once a year at $1,600. Its 500 assessments are per month, not per year. We email before an annual renewal. If an annual renewal has just been taken and was not intended, write within **30 days** and we refund in full provided the new period has been substantially unused. This is discretionary rather than a right, and we would rather grant it than argue about it. --- ## 6. When we refund without being asked twice - We billed in error, charged the wrong amount, or charged an account that had already cancelled. - You were charged during what should have been a free trial. - The service was unavailable for a material part of a period you had paid for. - A duplicate subscription was created on the same account. In each case we refund the affected period in full. --- ## 7. Statutory rights Nothing in this policy removes any right you have under the law where you live. Consumers in the UK and EU have a statutory right to cancel a distance contract for digital services within 14 days. Because the 14 day free trial precedes any payment, that period has normally passed without a charge ever being made. Where a statutory right applies and conflicts with anything above, the statutory right wins. --- ## 8. How to ask Email **contact@crbn.credit** from the address on the account, or open a ticket from inside your account. You do not need to quote a policy section. We aim to reply within one working day and to decide within five. Approved refunds are returned by Paddle to the original payment method, typically 5 to 10 working days depending on your bank. If we decline we say why in plain terms, and you can still raise it with Paddle as merchant of record. --- ## Related - Pricing: https://crbn.credit/pricing - Terms of Service: https://crbn.credit/terms - Privacy Policy: https://crbn.credit/privacy