Refund and Cancellation Policy

Effective date: 2026-05-07 · Document version: 2026-05-07

This Policy supplements the Terms of Service and explains how cancellations, refunds and chargebacks are handled for paid plans of the Service.

1. Free plan

The Free plan does not require payment. There is nothing to refund. You may delete your account at any time from the account settings.

2. Paid plans — cancelling a subscription

• You can cancel your paid subscription at any time from the account settings.
• Cancellation takes effect at the end of the current billing period. You retain access to paid features until then.
• We do not pro-rate or refund the unused portion of the current billing period when you cancel mid-period.
• After cancellation, the account downgrades to the Free plan. Your data is retained according to the Privacy Policy.

3. Refunds — first paid period

As a goodwill gesture beyond what the law requires, we will refund the first paid period in full if all of the following are true:

• You request the refund within 14 days of the first paid charge.
• You have not heavily used the paid features (we look at activity logs; less than 20 % of the plan's monthly quota for AI calls / generated declarations).
• You email info@xprofitx.com from the address registered to the account, with your account ID.

If granted, the refund is issued to the original payment method within 14 days of approval. The account is downgraded to the Free plan immediately.

4. Refunds — subsequent periods

After the first paid period, refunds are at our discretion. Examples of cases where we typically refund:

• A charge was processed in error (e.g. duplicate charge, charge after cancellation).
• A documented Service outage of more than 24 consecutive hours during the billed month.
• Mandatory refund obligations under Estonian or EU consumer law that are not lawfully waived.

5. Consumer withdrawal

Under the Estonian Consumer Protection Act (TKS) § 49, a consumer normally has 14 days to withdraw from a distance contract without giving any reason. By accepting the Terms of Service and starting to use paid features, you give your express consent to begin performance of the digital service before the 14-day period expires and acknowledge that you lose your right of withdrawal under TKS § 53 lg 4 p 14. Until you start using paid features, the withdrawal right remains available — write to info@xprofitx.com with the words "Withdrawal — TKS § 49" in the subject line and we will refund the full first-period fee within 14 days of receiving the notice (TKS § 56), to the original payment method.

Nothing in this Policy limits any other mandatory consumer rights you have under Estonian or EU law, including the two-year non-conformity guarantee for digital services under TKS § 75¹. If the Service materially fails to conform to the contract, notify us within two months of becoming aware of the non-conformity; we will repair, replace or refund as required by law.

6. Chargebacks

If you initiate a chargeback through your bank or card issuer, we may suspend the account until the dispute is resolved. We encourage you to contact us first — most issues can be resolved faster directly than through a chargeback process.

If a chargeback is found in our favour by the payment processor, we may charge a reasonable administrative fee for the time spent contesting it, capped at the disputed amount.

7. Currency and taxes

Refunds are issued in the original currency of the charge (EUR) and to the original payment method. Where the original invoice included VAT, the VAT element is refunded together with the principal amount and a corrected invoice (kreeditarve) is issued. Bank fees charged by your bank for the incoming refund are not reimbursed.

If the original payment method is no longer available (e.g. closed card, blocked bank account), the refund is paid by SEPA transfer to a verified replacement IBAN supplied in writing by the account holder.

8. How to request a refund

Email info@xprofitx.com from the address registered to your account, including: account email, invoice number, charge date, and a brief reason. We confirm receipt within two business days and decide within 10 business days.

9. Changes

We may update this Policy. Material changes are communicated by email and applied prospectively only — refunds for charges made before the change are decided under the version in force at the time of the charge.