Refund Policy

If you are an EU consumer (a private individual purchasing for non-business use), you have 14 days from the date of your first charge to cancel your COT-Reports Premium subscription and receive a full refund — no reason needed. This is your statutory right under the EU Consumer Rights Directive (2011/83/EU). After the 14 days, the standard policy in §3 applies. To exercise this right, email contact@cot-reports.com from the email address on your account, with the subject line "Refund request — EU cooling-off". We process the refund within 7 days; the money lands back on your card within your bank's normal clearing time (typically 3–5 business days).

If you are a UK consumer, the same 14-day right applies under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Same process as §1: email us within 14 days of your first charge.

After the EU/UK 14-day window — or in any jurisdiction where no statutory cooling-off applies — COT-Reports Premium follows a standard SaaS no-refund policy: you keep access until the end of the current billing period, you can cancel at any time from your account or via Stripe's billing portal, and we do not refund partial billing periods. There are two exceptions: (a) if you were charged after canceling, we refund the duplicate immediately, and (b) if our service was provably unavailable for an extended period (multi-day outage), we offer a pro-rata credit at our discretion.

Annual subscribers who cancel after the EU/UK cooling-off period continue to have access until the end of the 12-month period; we do not refund the unused portion. To minimise commitment risk, you can subscribe monthly first and switch to annual later via Stripe's billing portal.

If you see a charge you do not recognise, or two charges within the same billing period, email us at contact@cot-reports.com with the date and amount. We refund duplicates without question — Stripe gives us a clear audit trail and we always side with the customer on duplicates.

Digital products purchased on the COT-Reports Marketplace (indicators, EAs, PDFs, services from third-party sellers) are sold under the seller's own refund policy, displayed on each product page. Where digital content is delivered immediately on purchase, EU consumers waive the 14-day cooling-off right under Article 16(m) of the Consumer Rights Directive — this waiver is presented at checkout. Disputes between buyer and seller are mediated by COT-Reports support; reach us at contact@cot-reports.com.

Email contact@cot-reports.com from the email address on your account. Include: the date of charge, amount, and reason (EU cooling-off / duplicate charge / marketplace dispute / other). We respond within 48 hours. Refunds are issued back to the original payment method via Stripe — your bank typically reflects the refund within 3–5 business days.

If you initiate a chargeback through your bank without contacting us first, Stripe charges a non-refundable dispute fee that we have to pay regardless of outcome. We always prefer to resolve refund requests directly — please email us first. Filing a fraudulent chargeback after using the service is a violation of our Terms of Service and may result in account termination.

We may update this Refund Policy when we add new product types or when statutory requirements change. The "Last updated" date at the top of this page always reflects the current version. Any change that reduces your existing refund rights will not be applied retroactively to subscriptions started before the change.