Billing & Refund Policy

1. Overview

This Billing & Refund Policy explains billing cycles, payment methods, trials, cancellations, refunds, proration, taxes, invoices, chargebacks, and billing support for Stackado.

2. Billing cycles & renewal

• Subscriptions renew automatically at the end of each billing cycle (monthly or annual), unless you cancel before the renewal date.
• Renewal charges are billed to your chosen payment method on file. You are responsible for keeping payment information up to date.
• We may change pricing for future billing cycles; existing paid periods are not affected. We will provide notice of material price changes.

3. Payment methods & processors

• Payments are processed by third-party processors (for example, Stripe, PayPal, or similar). We do not store full card numbers on our systems.
• By providing a payment method you authorize us (and our processors) to charge recurring fees. We may change processors and will update this page when we do.

4. Trial terms & auto-conversion

• If you enroll in a free trial, it will automatically convert to a paid subscription at the end of the trial unless you cancel before the trial ends.
• You must cancel before the trial expiry to avoid the first billing. We will attempt to remind you before auto-conversion.

5. Cancellation procedure & timing

• You may cancel at any time from your account settings or by contacting hello@stackado.com.
• Ordinary cancellations stop renewal at the end of the current billing period. Statutory withdrawal and refund rights are separate and are explained below.

6. Refund eligibility & process

• Your legal rights: Nothing in this policy limits mandatory consumer rights. Where EU/EEA or other applicable law gives you a right to withdraw, you can exercise it without giving a reason, generally within 14 days of entering the service contract. Starting to use Stackado does not by itself waive that right. Any lawful charge for service already supplied depends on the required prior request and disclosures.
• To request withdrawal or a refund, email hello@stackado.com with your account email and the subscription or charge concerned. We process statutory refunds within the applicable legal deadline, generally within 14 calendar days of receiving a valid withdrawal notice, using the original payment method unless otherwise agreed.
• Additional goodwill refunds: Outside your legal rights, fees are normally non-refundable. For exceptional cases such as service failure, contact us within 30 days of the charge. We aim to review these requests within 14 business days. This voluntary deadline does not restrict statutory claims.

7. Proration

• Outside mandatory legal rights, we do not ordinarily provide proration credits for mid-period cancellations or plan downgrades. We may offer a goodwill adjustment.

8. Taxes & invoicing

• You are responsible for all applicable taxes (sales, VAT, GST, etc.) associated with your purchases, unless we explicitly state otherwise.
• Receipts are provided by email after each payment. Invoices can be provided on request for paid plans; contact hello@stackado.com to request invoicing.

9. Chargebacks & disputes

• If you do not recognise a charge, contact hello@stackado.com so we can investigate. You remain free to contact your card issuer. We may review access while a payment is disputed; a good-faith dispute alone is not misuse. Fraudulent payment activity may result in suspension.
• We reserve the right to respond to chargeback claims with evidence of service delivery and authorization.

10. Billing support & response timeframe

• For billing questions, refunds, invoices or charge disputes contact: hello@stackado.com.
• We aim to acknowledge all billing inquiries within 48 business hours and resolve straightforward issues within 7 business days. Complex disputes may take longer and we will keep you informed.

11. Changes to this policy

We may update this policy; the “Last updated” date will reflect changes. Continued use after updates constitutes acceptance.