Refund Policy

1. Overview

At RiskGen, we want you to be completely satisfied with our service. This refund policy explains your rights and how we handle refund requests. We aim to be fair and transparent in all our dealings with customers.

2. 14-Day Cooling Off Period

In accordance with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have the right to cancel your subscription within 14 days of your initial purchase without giving any reason.

During this 14-day cooling off period:

• You may cancel your subscription and receive a full refund of your first payment
• This applies to all subscription plans (Starter, Professional, Business, and Agency)
• The 14-day period begins on the day after you first subscribe
• You do not need to provide a reason for cancellation within this period

3. Monthly Subscriptions

For monthly subscription plans:

• Within 14 days of initial purchase: Full refund available as described above
• After 14 days: No refund for the current billing period. You may cancel at any time to prevent future charges, and your access will continue until the end of your current billing period
• Renewal payments: The 14-day cooling off period applies only to your first subscription payment. Subsequent monthly renewals are non-refundable, but you may cancel before your next renewal date

4. Annual Subscriptions

If we offer annual subscription plans in the future:

• Within 14 days of purchase: Full refund available
• After 14 days: Pro-rata refund for the remaining unused full months of your annual subscription
• The pro-rata calculation will be based on the monthly equivalent price, not the discounted annual rate

5. How to Request a Refund

To request a refund, please contact us using one of the following methods:

• Email: Send your request to [email protected] with the subject line "Refund Request"
• Account Settings: You can cancel your subscription directly from your account dashboard

When requesting a refund, please include:

• Your registered email address
• The date of your subscription purchase
• Your reason for cancellation (optional, but helps us improve)

6. How Refunds Are Processed

Once your refund request is approved:

• Refunds are issued to your original payment method (the card or account used to make the purchase)
• Processing typically takes 5-10 business days, depending on your bank or card provider
• You will receive an email confirmation when your refund has been processed
• All refunds are processed in pounds sterling (GBP)

7. Exceptions

We reserve the right to refuse a refund in the following circumstances:

• Your account has been terminated for breach of our Terms of Service
• We reasonably suspect fraudulent activity on your account
• You have previously received a refund and are attempting to abuse our refund policy

8. Plan Changes

If you downgrade your subscription plan, the change will take effect at the start of your next billing period. No refund or credit is issued for the difference in price during the current billing period. If you upgrade your plan, you will be charged the pro-rated difference for the remainder of the current billing period.

9. Service Issues

If you experience significant service disruptions or technical issues that prevent you from using RiskGen, please contact us at [email protected]. We will assess each case individually and may offer a full or partial refund, service credit, or extended subscription period at our discretion.

10. Your Statutory Rights

This refund policy does not affect your statutory rights under UK consumer law, including the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. If you are a consumer, you may have additional rights beyond those set out in this policy.

11. Contact Us

If you have any questions about this refund policy, please contact us:

Vindico ICS Ltd t/a RiskGen
Cardiff, United Kingdom
Email: [email protected]
Website: riskgen.ai