Refund Policy

If you are a consumer in the EU/EEA (a private individual purchasing for non-business use), you can withdraw from any subscription bought here (COT-Reports Premium, the Data API or a recurring Marketplace item) within 14 days of the day you subscribe — the day the contract is concluded — no reason needed; if the 14th day is a Saturday, a Sunday or a public holiday in your country, until the end of the next working day (a withdrawal sent to contact@cot-reports.com within that time is always accepted). This is your statutory right under the EU Consumer Rights Directive (2011/83/EU). The simplest way: on your account page, use "Withdraw from contract here" — you get an acknowledgement with the date and time at once. You can also write to contact@cot-reports.com from the email address on your account, or use the model withdrawal form below (optional). Your subscription ends when you withdraw. At checkout you ask us to start your subscription at once (the box next to the button), so a withdrawal costs the days already used (for a subscription bought from 2026-10-13, also the premium content described below): we refund what you paid minus the part for those days (pro rata), to your original payment method, within 14 days of receiving your withdrawal; the money then reaches your card within your bank's normal clearing time (typically 3–5 business days). After the 14 days, the standard policy in §3 applies. Who has this right: it is the statutory right of consumers who live in the European Union, the EEA or (see §2) the United Kingdom. If you live in another country whose law gives consumers a right to withdraw from an online subscription, we apply that law: write to us at contact@cot-reports.com. In every other country there is no right of withdrawal: you can cancel at any time and keep access until the end of the period you paid for (§3). We take the country where you live from your payment (the billing country and the country of your card or PayPal account); if one is missing or the two differ, you have the right as if you lived in the European Union. If we have your country wrong, write to us and we correct it. A subscription bought before 2026-10-13 keeps this right in every country. Subscriptions bought from 2026-10-13: if you withdraw, you pay for what you have received until then, that is (a) the days already used, as described above, and (b) any premium content that is also sold on its own and that your account opened before your withdrawal, at its published single price. Today that is one item: the How to Read the Simplified COT Report guide, 23 in the currency of your subscription ($, € or £). The guide’s own button says so before you open it, and you agreed to this at checkout. What you pay is never more than what you paid for the subscription, and the acknowledgement of your withdrawal shows the calculation: the amount paid, minus the days used, minus each item with the time it was opened. If you think the calculation is wrong, write to us at contact@cot-reports.com. A subscription bought before 2026-10-13 pays for the days used only. During the withdrawal period of a new subscription that has this right, and for a few days after it, file export and the AI connector cover the last year of data, and the full history exports after that, on the date given in your confirmation e-mail and shown by the export button; everything on screen is open from the first minute.

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: withdraw within 14 days of the day you subscribe.

After the EU/EEA/UK 14-day withdrawal period — or from the first day, in a country where no right of withdrawal applies (§1) — you can cancel at any time from your account page ("Cancel subscription", one confirmation) or Stripe's billing portal, and you keep access until the end of the current billing period. A monthly subscription is not refunded for a part-month. There are two exceptions: (a) if you were charged after canceling, we refund the duplicate immediately, and (b) if our service did not work for a period (an outage on our side), you are entitled to a price reduction in proportion to the time it did not work (Directive (EU) 2019/770, art. 14): write to us and we refund that part. 3-month and annual plans: see §4.

A 3-month plan renews every 3 months and an annual plan every 12 months. When you cancel (after the 14-day withdrawal period), the renewal stops and you keep access until the end of the period you paid for; the unused part of that period is not refunded. If you live in Germany, the Netherlands or Belgium: once your plan has renewed, you can cancel it at any time; it ends at the end of the current month of service and we refund the remaining full months, to your original payment method. If you live in Denmark: once 5 months have passed, you can cancel with one month's notice to the end of a month, and we refund at once what you paid for the time after that. Wherever else the law of the country you live in gives you a right to end the plan early, we apply it. You can also subscribe monthly first and move to a longer plan later. About 45 days before each annual renewal, and about 35 days before each 3-month renewal, we email you the date and the amount, and how to cancel on your account page.

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 bought on the COT-Reports Marketplace (data files, spreadsheets, trading robots, PDFs and lessons, and digital items from third-party sellers) are delivered immediately. Before payment, the checkout asks you to tick a box confirming that you want immediate access and that you acknowledge losing your 14-day right of withdrawal once access starts (Article 16(m) of the EU Consumer Rights Directive 2011/83/EU); the purchase is not possible without it, and your purchase confirmation email records that consent and its date. After that, a digital product cannot be returned or refunded just because you changed your mind. You still get a refund if the product is defective or materially different from its description, if it is not delivered, or for a duplicate charge (§5). Subscriptions (COT-Reports Premium, the Data API) are services, not digital content: this waiver does not apply to them. Disputes between a buyer and a third-party 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 24–48 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.

If you are a consumer living in the EU, the EEA or the United Kingdom, you can withdraw from a subscription within the 14 days with any clear statement: the "Withdraw from contract here" button on your account page, an e-mail to contact@cot-reports.com, or this form, copied into an e-mail. Using the form is optional.

COT-Reports.com is operated by Valentin Dima, Romania. Contact: contact@cot-reports.com. The operator is the trader for every purchase on this site and the controller of your personal data under the GDPR.