Refund Policy

1. Which Rule Applies?

Paying an ordinary monthly subscription in advance does not by itself make it a prepaid contract eligible for early termination refunds. The prepaid and long-term rules apply to the corresponding contract arrangements. Mandatory legal rights and applicable merchant-of-record terms are preserved.

2. Monthly Subscription Cancellation

You can request cancellation through the procedure shown in your account or by contacting support@cosmosfarm.com. For an ordinary monthly subscription, cancellation takes effect at the end of the current paid period. You retain access until that date; unused days are not ordinarily refunded.

Where you authorized automatic renewal at checkout, cancel before the next renewal date to prevent the next charge. Cancellation and a refund request are separate actions. If you believe a renewal charge was made in error, contact us promptly so we can review the transaction.

3. Eligible Prepaid Contracts

For an eligible prepaid contract terminated before its agreed end date, we calculate the amount used from the service start date to the termination date on a daily basis using the normal monthly price, without a discount. We subtract that usage amount from the prepaid fees.

If termination is at your choice or attributable to your fault, 90% of the remaining balance is refunded. The other 10% may be retained as an early termination charge. Where that deduction does not apply, the eligible remaining balance is refunded.

The eligible refund is processed within 15 days of the request under the applicable service terms. Your payment provider may take additional time to display the returned funds.

4. Long-Term Discounted Contracts

If you terminate a long-term discounted contract, we apply its separately agreed refund terms and take the contractual discount into account. In the absence of a separate agreement, 80% of the unused balance is refunded.

This rule applies instead of the general prepaid-contract rule in Section 3. The 10% and 20% deductions are not combined. Contact us for a calculation based on your actual contract and service dates.

5. Duplicate Charges and Billing Errors

Contact us if the same transaction was charged twice, the amount is incorrect, or another billing error occurred. Verified overpayments are returned or, with prior notice where permitted, credited against future fees. Amounts you owe may be deducted where legally permitted.

If an overpayment is attributable to us, applicable interest is handled under the service terms and applicable law. Suspected unauthorized payments should also be reported promptly to your bank or payment provider.

6. AI Credits and Digital Access

Subscription fees cover access to the software and the monthly credit allowance shown in your plan. Not using the software or leaving some included credits unused does not by itself create a refund entitlement for an ordinary monthly subscription.

For separately purchased credit top-ups, contact us with the transaction details. We review the purchase terms, whether credits have been used, any billing error, and applicable legal rights. Any refund eligibility is determined by those terms and applicable law.

7. Service Interruptions

For a qualifying interruption exceeding 72 hours in a calendar month, the service terms provide an affected Customer with a one-month service coupon. It is valid for six months, can be used only by that Customer, and is not reissued after expiry. Contact us with the affected account and incident dates.

This service remedy does not replace a refund or other remedy required by applicable law. If we materially breach the agreement and fail to remedy it within 30 days after written notice, the termination provisions in our Terms of Service apply.

8. How to Request a Refund

Email support@cosmosfarm.com and include:

• Your Sidetalk account email address.
• The payment date, amount, and currency.
• The order, invoice, or transaction number.
• Your subscription or contract type and the reason for the request.

Do not send passwords or full payment-card details. We may ask for information needed to verify the transaction and explain the applicable calculation or decision.

9. Refund Processing and Payment Providers

Approved refunds are normally returned to the original payment method. The time it takes to appear on your statement depends on the payment provider and financial institution.

If your checkout or receipt identifies Paddle or another merchant of record as the seller, that seller's buyer terms, refund policy, and transaction procedures also apply. Where those terms provide a refund right, this Policy does not remove it. Use the support contact on your receipt or contact us for help identifying the correct transaction.

10. Mandatory Consumer Rights

Nothing in this Policy limits rights that cannot be waived under applicable law, including rights to withdraw, cancel, terminate, or receive a refund. This applies to eligible Customers in the United States, Canada, and other jurisdictions. Mandatory legal requirements take precedence over a conflicting restriction in this Policy.

11. Changes and Contact

We may update this Policy to reflect service or legal changes. Notice is given under the Terms of Service where required. An update does not retroactively remove rights applicable to an earlier purchase.

Cosmosfarm Software
Sidetalk billing and refund inquiries
support@cosmosfarm.com