Refund and Cancellation Policy

This Refund and Cancellation Policy explains how refunds, cancellations, renewals, and proration work for paid Coeff IQ subscriptions from Coefficients Co Ltd, doing business as Coeff IQ. It forms part of, and should be read with, our Terms of Service and Billing and Subscriptions page.

Paid subscriptions are sold and processed by Paddle.com as our merchant of record. Where this policy and Paddle's own terms both apply, and where applicable law gives you stronger rights, those stronger rights prevail — see Your mandatory rights.

• Coeff IQ offers a 30-day free trial.
• No payment method is required to begin the free trial, and no payment is collected during it.
• Because no payment is collected for the free trial, there is nothing to refund for that period.
• To become a paying customer you must actively select and subscribe to a paid plan. A trial does not convert to a paid subscription on its own.

• You may request a full refund within 14 calendar days of your first paid subscription charge.
• This 14-day guarantee applies regardless of how much you have used the service during that period.
• The guarantee applies to the first paid subscription charge only, not to every monthly renewal.

• Monthly subscriptions renew automatically until canceled.
• Renewal charges are generally non-refundable.
• To prevent the next charge, cancel before your next renewal date.
• Cancellation normally takes effect at the end of the current paid billing period, and you keep access through the end of that period — unless access must be ended earlier because of fraud, misuse, a full refund, or another applicable reason under the Terms of Service.

• After the initial 14-day period, no prorated refunds or credits are normally provided for unused time.
• Downgrading or canceling a plan does not by itself create an entitlement to a prorated refund. When you upgrade or downgrade mid-cycle, the charge for the remainder of the current period is prorated by the billing system as described on the Billing and Subscriptions page.

The following may qualify for review and a full or partial refund:

• Duplicate charges.
• Incorrect charges (for example, the wrong amount or the wrong plan).
• Unauthorized transactions.
• A material or prolonged failure to provide the paid service.
• Other circumstances required by applicable law or by Paddle's policies.

We do not guarantee a refund for every exceptional request. Eligibility is evaluated based on the specific transaction, our records, and the rules that apply to it. We may also issue a refund or account credit at our discretion; doing so once does not oblige us to do so again.

• Paddle is the merchant of record for paid Coeff IQ subscriptions.
• Paddle handles payment processing, applicable transaction taxes, receipts and invoices, and approved refunds.
• Paddle (or a Paddle entity) may appear on your card statement, bank statement, receipt, or invoice.
• Approved refunds are normally returned to the original payment method.
• The time for an approved refund to appear can depend on Paddle, your payment method, and your financial institution. Paddle states that approved refunds are processed within 14 days of approval; the time to appear on your statement may be longer.

Paddle's buyer-facing terms and policies:

• Paddle Buyer Terms — paddle.com/legal/buyer-terms
• Paddle Refund Policy — paddle.com/legal/refund-policy
• Paddle buyer / order support — paddle.net (look up a transaction, manage a subscription, or contact Paddle about a charge)

To request a refund or cancellation:

• Contact Coeff IQ at support@coeffiq.com, or use our contact form — or use Paddle's order-support channel at paddle.net.
• Include the email address on your Coeff IQ account, the transaction or receipt reference, the charge date, and the reason for your request.
• Do not send complete card numbers, card security codes, passwords, API keys, or other sensitive credentials. We will never ask for them.
• We may ask for additional information to verify that you own or are authorized to act for the account before we process a refund or a workspace-level cancellation.

• A full refund of the initial subscription charge normally ends the associated paid subscription.
• Paid access may be removed once the refund is confirmed.
• Data retention and deletion continue to be governed by our Privacy Policy and Data Deletion procedures. A refund does not by itself mean immediate deletion of all account data.

Nothing in this policy limits any mandatory consumer rights you have under the law of your country or place of residence, or under Paddle's Buyer Terms or Refund Policy. Where applicable law or those Paddle terms give you stronger rights — for example, a statutory withdrawal or cancellation right — those rights prevail. This policy does not attempt to list every country's consumer law.

Billing and refund questions: support@coeffiq.com. Privacy questions: privacy@coeffiq.com. Legal notices: legal@coeffiq.com. You can also write to Coefficients Co Ltd, 2nd Floor, Coefficients Building, Peridot corner Aquamarine Street, Pleasantville, Ilayang Iyam, Lucena City, Quezon Province 4301, Philippines.