REFUND POLICY

Senast uppdaterad: 31 juli 2026

This Refund Policy ("Policy") explains the circumstances under which Concept Bandits Sweden AB, company registration number 559445-4745, with its registered office at Knäppingsborgsgatan 38, 602 26 Norrköping, Sweden ("Company", "we", "our", or "us"), may provide refunds for subscriptions purchased through our AI-powered investment research platform, website, mobile applications, APIs, and related services (collectively, the "Service").

This Policy forms part of the Company's legal documentation and should be read together with the Company's:

• Terms and Conditions;

• Privacy Policy;

• Subscription Policy;

• Investment Disclaimer;

• AI Disclaimer;

• Cookie Policy.

By purchasing a Subscription or otherwise using the Service, you acknowledge that you have read, understood, and accepted this Refund Policy.

1. PURPOSE OF THIS POLICY

1.1 Purpose

The purpose of this Refund Policy is to explain:

• when refunds may be granted;

• how refund requests are evaluated;

• how refunds are processed;

• the rights and obligations of both the User and the Company.

The Company seeks to provide a fair and transparent refund process while recognizing the immediate nature of digital subscription services.

1.2 Scope

This Policy applies to:

• monthly subscriptions;

• annual subscriptions;

• promotional subscription plans;

• upgrades;

• downgrades;

• renewals;

• purchases made directly through the Company's website.

Where purchases are made through third-party platforms (such as Apple App Store or Google Play), separate refund rules established by those platforms may apply.

2. DIGITAL SERVICES

2.1 Immediate Access

The Service is a digital subscription service.

Upon successful payment, Users receive immediate access to digital content and premium features.

Because access is provided immediately after purchase, the Company's refund policy differs from policies applicable to physical goods.

2.2 Digital Content

The Subscription may include access to:

• AI-powered market analyses;

• investment research tools;

• premium dashboards;

• financial news summaries;

• educational materials;

• AI-generated insights;

• watchlists;

• premium platform features.

Access to these digital services generally begins immediately following successful payment.

3. ELIGIBILITY FOR REFUNDS

3.1 General Rule

Refunds are not automatically granted.

Each refund request is individually reviewed based on the circumstances of the purchase and applicable consumer protection laws.

The Company reserves the right to approve or deny refund requests in accordance with this Policy.

3.2 Circumstances Where a Refund May Be Considered

The Company may, at its sole discretion or where required by applicable law, consider granting a refund in situations including:

• duplicate payments;

• accidental multiple subscriptions;

• technical issues preventing access to the Service;

• billing errors;

• unauthorized transactions, subject to verification;

• service unavailability caused by the Company for a substantial period;

• other exceptional circumstances.

Each request is assessed individually.

3.3 No Automatic Right to Refund

Except where required by applicable law, purchasing a Subscription does not automatically entitle the User to a refund merely because:

• the Service is no longer wanted;

• investment results did not meet expectations;

• market conditions changed;

• the User made unsuccessful investment decisions;

• the User did not fully utilize the Subscription;

• the User forgot to cancel automatic renewal.

4. EUROPEAN UNION CONSUMER RIGHTS

4.1 Right of Withdrawal

Consumers residing within the European Union may have statutory rights under applicable consumer protection legislation.

Where legally applicable, consumers may have a right to withdraw from certain online purchases within fourteen (14) days.

4.2 Waiver of Withdrawal Right

By purchasing a Subscription and requesting immediate access to digital content, the User expressly requests that the Company begin providing the Service immediately.

Where permitted by applicable law, the User acknowledges that the statutory right of withdrawal may be lost once the digital Service has begun with the User's prior express consent and acknowledgment.

Nothing in this Policy limits any mandatory consumer rights that cannot legally be waived.

4.3 Mandatory Consumer Rights

Nothing in this Refund Policy excludes or limits any rights granted to consumers under mandatory laws applicable in their country of residence.

Where applicable law provides stronger consumer protections than this Policy, those legal rights shall prevail.

5. NON-REFUNDABLE CIRCUMSTANCES

Unless required by applicable law, refunds will generally not be issued where:

• the Subscription has been actively used;

• premium content has been accessed;

• AI-generated analyses have been generated;

• the User changes their mind;

• the User misunderstands the functionality of the Service;

• financial losses occur following investment decisions;

• market performance differs from expectations;

• the User forgets to cancel automatic renewal;

• dissatisfaction relates solely to market outcomes.

6. REFUND REQUESTS

6.1 How to Request a Refund

Refund requests must be submitted through the Company's designated customer support channels.

Requests should include:

• account email address;

• order or invoice number;

• purchase date;

• description of the issue;

• supporting documentation where applicable.

Incomplete requests may require additional information before they can be evaluated.

6.2 Review Process

Each refund request is reviewed individually.

During the review process, the Company may consider:

• payment history;

• subscription status;

• platform usage;

• technical logs;

• account activity;

• applicable legal obligations;

• evidence supporting the request.

The submission of a refund request does not guarantee approval.

6.3 Fraud Prevention

The Company reserves the right to refuse refund requests where there is reasonable evidence of:

• fraudulent activity;

• abuse of the refund process;

• unauthorized account sharing;

• misuse of promotional offers;

• violations of the Terms and Conditions.

Fraudulent refund requests may result in suspension or termination of the User's Account.

7. PROCESSING OF REFUNDS

7.1 Refund Review

Each refund request is reviewed individually by the Company in accordance with this Policy, applicable consumer protection legislation, and the specific circumstances of the purchase.

The Company reserves the right to request additional information before reaching a decision.

7.2 Approval of Refunds

Where a refund request is approved, the Company will determine the appropriate refund amount based on factors including:

• subscription type;

• purchase date;

• payment method;

• applicable legal obligations;

• platform usage;

• exceptional circumstances.

Approval of one refund request does not create a precedent or entitlement for future refund requests.

7.3 Partial Refunds

Where appropriate, the Company may provide a partial refund instead of a full refund.

Partial refunds may be considered where:

• only part of the subscription period has elapsed;

• technical issues affected only certain features;

• the User received partial access to the Service;

• applicable law permits partial reimbursement.

8. REFUND METHODS

8.1 Original Payment Method

Approved refunds will generally be issued using the same payment method used for the original purchase.

Where this is not technically possible, the Company may offer an alternative refund method where permitted by law.

8.2 Processing Fees

Unless required by applicable law, transaction fees, payment processing fees, currency conversion fees, or bank charges imposed by third parties may not be refundable.

8.3 Currency

Refunds will generally be processed in the same currency used for the original transaction.

The Company is not responsible for:

• exchange rate fluctuations;

• foreign currency conversion losses;

• bank conversion fees;

• payment provider charges.

9. REFUND TIMEFRAMES

9.1 Processing Time

Once a refund has been approved, the Company will initiate the refund within a reasonable period.

Actual processing times may vary depending on:

• payment provider;

• banking institution;

• payment method;

• public holidays;

• international payment systems.

9.2 Delays

The Company is not responsible for delays caused by:

• banks;

• payment processors;

• card issuers;

• financial institutions;

• technical interruptions beyond the Company's reasonable control.

10. SUBSCRIPTION CANCELLATION

10.1 Cancellation

Users may cancel their subscription at any time through their Account settings or by contacting Customer Support.

Cancellation prevents future subscription renewals but does not automatically entitle the User to a refund.

10.2 Continued Access

Unless otherwise required by applicable law, Users who cancel their subscription may continue to access premium features until the end of the current billing period.

No additional charges will be made after cancellation unless the subscription is reactivated.

10.3 Effect of Cancellation

Cancellation does not:

• reverse previous payments;

• refund completed billing periods;

• cancel outstanding invoices;

• affect obligations arising before cancellation.

11. AUTOMATIC RENEWALS

11.1 Renewal

Subscriptions automatically renew at the end of each billing cycle unless cancelled before the renewal date.

By purchasing a subscription, the User authorizes recurring payments in accordance with the selected subscription plan.

11.2 Renewal Charges

Renewal charges are processed using the payment method associated with the User's Account.

It is the User's responsibility to ensure that payment information remains accurate and up to date.

11.3 Renewal Notifications

Where required by applicable law, the Company may provide advance notice before subscription renewal.

Users remain responsible for cancelling subscriptions before the next billing cycle if they do not wish to continue.

12. CHARGEBACKS

12.1 Payment Disputes

Users experiencing billing issues are encouraged to contact the Company before initiating a chargeback through their payment provider.

Many billing issues can be resolved more efficiently through Customer Support.

12.2 Fraudulent Chargebacks

The Company reserves the right to investigate chargebacks that appear fraudulent or abusive.

Where legally permitted, fraudulent chargebacks may result in:

• suspension of the Account;

• termination of the subscription;

• recovery of unpaid fees;

• restriction of future purchases;

• legal action where appropriate.

13. PROMOTIONAL OFFERS

13.1 Discounts

Subscriptions purchased using promotional pricing, discount codes, introductory offers, or limited-time campaigns remain subject to this Refund Policy unless expressly stated otherwise.

13.2 Free Trials

Where the Service offers a free trial, Users may cancel at any time before the end of the trial period to avoid being charged.

Failure to cancel before the trial expires may result in automatic conversion to a paid subscription.

13.3 Gift Subscriptions

Unless expressly stated otherwise, gift subscriptions and promotional access codes are generally non-refundable after activation.

14. ACCOUNT TERMINATION

14.1 Termination by the User

Termination of an Account does not automatically result in a refund.

Users remain responsible for cancelling any active subscriptions before deleting their Account.

14.2 Termination by the Company

If the Company terminates an Account due to violations of the Terms and Conditions, fraud, abuse, or unlawful activity, the User shall generally not be entitled to a refund unless required by applicable law.

15. CHANGES TO THIS POLICY

The Company reserves the right to modify this Refund Policy at any time.

Updates may be made to reflect:

• legal requirements;

• operational changes;

• payment provider requirements;

• improvements to the Service;

• consumer protection developments.

Material changes will become effective on the date specified in the updated Policy.

Continued use of the Service following the effective date constitutes acknowledgment of the revised Refund Policy.

16. GOVERNING LAW

This Refund Policy shall be governed by and interpreted in accordance with the laws of the Kingdom of Sweden.

Mandatory consumer protection legislation applicable within the European Union shall remain unaffected where such rights cannot legally be excluded.

17. DISPUTE RESOLUTION

The parties agree to attempt to resolve any dispute arising from this Refund Policy through good faith discussions before initiating legal proceedings.

If a dispute cannot be resolved amicably, it shall be submitted to the competent courts of Sweden, unless mandatory consumer protection legislation provides otherwise.

Nothing in this Policy limits statutory consumer rights available under applicable law.

18. SEVERABILITY

If any provision of this Refund Policy is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

Any invalid provision shall be interpreted, where possible, in a manner that most closely reflects its original intent while complying with applicable law.

19. ENTIRE POLICY

This Refund Policy forms part of the Company's legal documentation and should be read together with:

• Terms and Conditions;

• Privacy Policy;

• Subscription Policy;

• AI Disclaimer;

• Investment Disclaimer;

• Cookie Policy.

In the event of any conflict between this Policy and mandatory provisions of applicable law, the mandatory legal provisions shall prevail.

20. CONTACT INFORMATION

For questions regarding refunds, billing, or this Refund Policy, please contact:

Concept Bandits Sweden AB Company Registration Number: 559445-4745 Knäppingsborgsgatan 38
602 26 Norrköping
Sweden

Email: [Support Email]

Website: [Website URL]

The Company will make reasonable efforts to respond to refund-related enquiries within a reasonable timeframe.

21. EFFECTIVE DATE

This Refund Policy becomes effective on the date specified at the beginning of this document and remains in force until amended or replaced by the Company.

ACKNOWLEDGEMENT

By purchasing a Subscription, renewing a Subscription, or otherwise using the Service, you acknowledge and agree that:

• you have read and understood this Refund Policy;

• you understand that digital subscriptions are generally non-refundable once access has been provided, except where required by applicable law or expressly approved by the Company;

• you understand that subscription cancellation prevents future renewals but does not automatically result in a refund;

• you accept the refund procedures and conditions described in this Policy.