Refund Policy

1. Digital Product — No General Refunds

Stoma is a digital, credit-based research service. Once a subscription payment is processed, access and credits are granted immediately. Because the service (data, scores, AI-generated content, and API/scraping costs) is delivered at the moment of purchase, subscription fees are non-refundable except in the specific circumstances described below.

2. When a Refund May Be Considered

We will review a refund request only if one of the following applies:

• You were charged more than once for the same billing period due to a technical error on our end.
• Payment was captured but your account was never activated or credited, and our support team could not resolve it within 7 business days.
• You were charged after a subscription was already cancelled through your billing page prior to the renewal date.

Refund requests must be submitted within 7 days of the charge date. Requests made after this window will not be considered, regardless of reason.

3. What Is Never Refundable

• Credits already consumed on searches, tracking, calculations, AI listing optimizations, or any other feature — value has already been delivered.
• Unused credits remaining at the time of cancellation or plan downgrade. Credits do not carry over and do not convert to cash.
• Dissatisfaction with product research outcomes, opportunity scores, or business results. As stated in our Terms of Service (Section 7), Stoma does not guarantee sales, profit, or business success — the tool provides data and estimates, not outcomes.
• "Changed my mind" cancellations after the billing period has started.
• The 3-Month Launch Pass (quarterly plan) once any part of the period has begun — this plan is sold at a discount specifically in exchange for a fixed 3-month commitment and is non-refundable and non-proratable once activated.

4. Cancellations

You may cancel your subscription at any time from your billing page. Cancellation stops future billing but does not refund the current period — you retain access and any remaining credits until the end of the period you already paid for, after which your plan will not renew.

5. India (Razorpay) Payments

Indian subscriptions are billed in INR via Razorpay. This policy governs all refund decisions for Razorpay transactions. Razorpay is our payment processor only — it does not independently issue refunds for Stoma subscriptions without our authorization.

6. International (Paddle) Payments

US and UK subscriptions are billed via Paddle.com, our Merchant of Record for international transactions. Paddle handles payment collection, tax, and currency conversion. This Refund Policy governs when a refund will be authorized; where applicable law in your jurisdiction grants additional statutory rights that override this policy, those rights are not affected by anything stated here.

7. Chargebacks & Payment Disputes

If you have a billing concern, please contact us first (see Section 8) before filing a chargeback with your bank or card provider. Filing a chargeback without first attempting to resolve the issue with us may result in immediate suspension or termination of your account while the dispute is investigated, and does not guarantee a refund.

8. How to Request a Refund

Email us at appstoma@outlook.com with your account email, the transaction date, and the reason for your request. We aim to respond within 5–7 business days. Approved refunds are returned to the original payment method and may take 5–10 business days to appear, depending on your bank or card provider.

9. Changes to This Policy

We may update this Refund Policy from time to time. The version in effect at the time of your charge is the version that applies to that charge.