Refund Policy

Last updated: September 28, 2026 Effective date: April 20, 2026 Version: 2.2.0

1. Introduction

This Refund and Cancellation Policy (the "Policy") describes how Xiom OÜ, a private limited company incorporated in Estonia (registry code: 17487029, registered address: Sepapaja tn 6, 15551 Tallinn, Harju maakond, Estonia) ("Xiom," "we," "our," or "us"), handles cancellations, refunds, and related matters for paid subscriptions and one-time purchases of the Prosperify service (the "Service").

This Policy should be read together with our Terms of Service and EULA and Privacy Policy. In the event of a conflict between this Policy and the Terms of Service, the Terms of Service prevail, except that more favourable refund treatment in this Policy applies in your favour.

This Policy does not limit your statutory consumer rights under applicable law. Where mandatory law gives you greater rights than this Policy, those rights apply.

2. Where You Purchased Matters

The applicable refund process depends on where you purchased your subscription:

For direct website purchases, Paddle.com Market Limited is the Merchant of Record: Paddle bills you, issues your invoice, and processes approved refunds. You may request a refund directly at paddle.net or by contacting us — either route reaches the same outcome.

14-day refund. Every direct purchase (Monthly, Yearly and One-Time), by every buyer wherever they live, comes with a full refund on request within 14 days of any payment: the first purchase, each renewal, or the One-Time payment. No reason is needed. Request it at paddle.net ("Request refund") or by emailing support@prosperify.ai. This is in addition to any statutory right of withdrawal described below. Full details are in Section 6.

For app store purchases, Xiom does not control billing or refund decisions. Sections 3–7 of this Policy apply primarily to direct purchases from Xiom. For app store purchases, see Section 8.

3. Free Trial

We may offer a free trial of premium features. Unless we expressly state otherwise:

The free trial is available once per user
During the trial, you have access to the premium features designated for your trial
You will not be charged during the trial
At the end of the trial, the Service does not automatically convert to a paid subscription
To continue accessing premium features after the trial, you must affirmatively opt in to a paid subscription
If you do not opt in, your account will revert to the Free tier and your data will remain accessible

Because there is no automatic conversion, no refund is required at the end of a trial — you are simply not charged.

4. Cancellation of Paid Subscriptions

4.1 How to Cancel

For direct purchases from Xiom, you may cancel your subscription at any time through:

Settings → Manage billing within the Service (this opens the Paddle customer portal)
Email to support@prosperify.ai from the address associated with your account

For app store purchases, cancellation must be done through your Apple ID or Google Play subscription settings. We are unable to cancel app store subscriptions on your behalf.

4.2 Effect of Cancellation

When you cancel:

Auto-renewal stops for your subscription
Your premium access continues until the end of the current billing period
At the end of that period, your account reverts to the Free tier
Your data is retained in accordance with our Privacy Policy

Cancellation by itself does not trigger a refund. To request a refund, see Section 6.

4.3 Cancellation by Xiom

If we suspend or terminate your account in accordance with the Terms of Service, refund eligibility depends on the reason:

Termination for material breach by you (e.g., fraud, abuse): no refund
Termination for our convenience or because we discontinue the Service: pro-rata refund of any prepaid unused period
Termination by mutual agreement: as agreed at the time

5. EU/EEA, UK, and Swiss Consumers — Right of Withdrawal

If you are a consumer resident in the European Economic Area, the United Kingdom, or Switzerland, you have a statutory right to withdraw from a contract for the Service within 14 days of the contract being concluded, without giving any reason.

5.1 Waiver for Immediate Performance

When purchasing a paid subscription, you are asked to expressly request immediate performance of the digital service before the 14-day withdrawal period expires. By giving this express consent and acknowledging it at the point of purchase, you lose your statutory right of withdrawal once the digital service has been fully provided, in accordance with Article 16(m) of EU Directive 2011/83/EU.

This waiver is fully described in Section 7 of our Terms of Service, which you accepted at registration and confirmed at the point of purchase.

5.2 What This Means in Practice

If you have given the express consent and waiver, your statutory withdrawal right does not apply
Even after the waiver, the 14-day refund in Section 6 still applies: you can get a full refund on request within 14 days of any payment
Your statutory rights for non-conformity of the digital service (Section 9) are not affected by the waiver

5.3 If You Did Not Waive

If, at any future time, we offer purchases without the express waiver, you may exercise the 14-day withdrawal right by:

Email to support@prosperify.ai
The model withdrawal form provided in Annex A of our Terms of Service

Where withdrawal is validly exercised, we will refund all payments received from you within 14 days, using the same means of payment, unless you expressly agree otherwise.

6. 14-Day Refund for Direct Purchases

These terms apply to every direct purchase (not app store purchases), for every plan and every buyer, wherever you live.

6.1 The 14-Day Refund

You can get a full refund on request within 14 days of any payment: the first purchase, each renewal payment, or the One-Time payment
No reason is needed
Request it at paddle.net ("Request refund") or by emailing support@prosperify.ai
After 14 days, payments are not refundable, except for service discontinuation (Section 7), non-conformity (Section 9) or where mandatory law says otherwise

6.2 What Happens After a Refund

A refunded subscription (Monthly or Yearly) is cancelled and premium access ends
A refunded One-Time purchase ends One-Time access

6.3 One-Time Plans

A "One-Time Plan" provides access to premium features for the operational lifetime of the Service, subject to these Terms. One-Time access does not guarantee that the Service will continue to be offered indefinitely. We may discontinue the Service in accordance with our Terms of Service, in which case Section 7 applies.

7. Service Discontinuation or Material Reduction

If we discontinue the Service or materially reduce its functionality:

We will provide at least 30 days' advance notice where reasonably possible
For active paid subscriptions, you are entitled to a pro-rata refund of any prepaid unused period
For One-Time Plans: if we discontinue the Service within 24 months of your One-Time purchase, you are entitled to a pro-rata refund based on the remaining portion of that 24-month period, unless we offer you a comparable replacement service

This applies in addition to your statutory rights for non-conformity of digital services under Section 9.

8. App Store Purchases

If you purchased through Apple App Store or Google Play, refund decisions are made by Apple or Google, not by Xiom.

8.1 Apple App Store

To request a refund for an App Store purchase:

Visit reportaproblem.apple.com
Or go to Settings → \[Your Name\] → Media & Purchases → View Account → Purchase History
Apple decides refund requests in accordance with its own policies

8.2 Google Play

To request a refund for a Google Play purchase:

Visit play.google.com
Go to Account → Order history, find the order, and request a refund
Google decides refund requests in accordance with its own policies

8.3 Our Role

We do not control app store refund decisions. However, if you encounter problems with an app store refund and believe a refund is warranted, you may contact us at support@prosperify.ai and we will assist where possible. Where Apple or Google declines a refund and we determine that a refund is appropriate, we may, at our discretion, provide an equivalent credit or other goodwill remedy directly.

9. Statutory Rights for Non-Conformity (EU Digital Content Directive and Similar Laws)

Independently of any refund offered under this Policy, EU/EEA consumers have statutory rights under EU Directive 2019/770 on the supply of digital content and services where the Service does not conform to the contract. Equivalent rights exist for consumers in the UK (Consumer Rights Act 2015), Australia (Australian Consumer Law), and certain other jurisdictions.

If the Service is not in conformity with the contract — for example, it does not function as described, or significant features are unavailable for an extended period — you may be entitled to:

Have the Service brought into conformity (e.g., a fix or update)
A price reduction proportional to the non-conformity
Termination of the contract with a refund proportional to the unused period

To assert non-conformity rights, contact us at support@prosperify.ai describing the issue. We will respond within a reasonable time.

These rights apply in addition to, not instead of, any refund offered under this Policy.

10. How to Request a Refund

For direct purchases from Xiom:

Request a refund at paddle.net ("Request refund"), or email support@prosperify.ai from the email address associated with your account with the subject "Refund Request", or write to us through the Contact page
If you email us, include:

Your account email
The approximate date of purchase
The subscription type (monthly, annual, or one-time)
The reason for the request (optional; no reason is needed within the 14-day refund period in Section 6)

We aim to acknowledge refund requests within 5 business days and resolve them within 14 days. Where we ask for additional information, the timeframe may extend.

For app store purchases, follow the procedures in Section 8.

11. Refund Processing

Approved refunds are processed by Paddle (for direct purchases) to the original payment method used for the purchase. Paddle issues approved refunds usually within 14 days of approval; your bank may take a few extra days to show it.

We do not issue refunds:

To a different payment method or account from the one used for purchase
In cash or by wire transfer where the original purchase was by card
In a different currency from the original purchase, unless required by law

If the original payment method is no longer available (e.g., cancelled card), contact us and we will work with you on an alternative consistent with applicable law.

12. Promotional Offers and Discounts

Subscriptions purchased with promotional discounts, voucher codes, or referral credits are subject to this Policy. The following rules apply:

Refund amounts are based on the actual amount paid, not the regular price
Promotional pricing typically applies only to the first billing period, unless otherwise stated; renewals are charged at the standard price unless we tell you otherwise at purchase
Voucher and credit values are not refundable in cash where they were not paid for
Where a promotion has specific terms (e.g., "no refunds during promotional period"), those terms apply only to the extent they do not conflict with mandatory consumer law

13. Non-Refundable Situations

Subject always to your statutory consumer rights (Section 9), refunds are not issued where:

The request is made more than 14 days after the payment, and no other ground in this Policy (Section 7 or Section 9) or mandatory law applies
The request is fraudulent or abusive (for example, repeated buy-and-refund cycles)
Your account has been terminated or suspended for material breach of the Terms of Service, including fraud, abuse, chargeback abuse, or unlawful conduct

The above does not override statutory consumer rights that cannot be excluded by contract.

14. Chargebacks

If you initiate a chargeback or payment dispute through your bank or card issuer instead of contacting us first, we may:

Contest the chargeback with the relevant evidence
Suspend access to premium features pending resolution

We will not suspend or terminate your account solely because you exercised your legal right to dispute a charge. However, we reserve the right to take action where:

The chargeback is fraudulent (e.g., the charge was legitimate and you used the Service)
The chargeback is part of a pattern of abuse or breach of the Terms of Service
Continued service would expose us to further loss

Before initiating a chargeback, please contact us at support@prosperify.ai — most disputes are resolved more quickly directly with us.

Nothing in this Section limits your statutory rights to dispute unauthorized or incorrect charges with your payment provider.

15. Taxes

Where applicable, refund amounts include any taxes charged on the original purchase (e.g., VAT). Refunded taxes are reversed in accordance with applicable tax law.

For EU consumers, VAT was charged at the rate applicable in your country of residence under EU "place of supply" rules for digital services; refunded VAT is reversed accordingly.

16. Currency Conversion

If your refund involves currency conversion (e.g., the Service was billed in EUR but your card is denominated in another currency), the amount you receive may differ from the amount originally charged due to exchange rate fluctuations. We do not compensate for currency conversion differences.

17. Disputes About Refunds

If you disagree with a refund decision:

Contact us at support@prosperify.ai explaining your concern
You retain your right to bring the matter before a competent court in accordance with Section 21 of our Terms of Service, or to contact your national consumer protection authority

18. Changes to This Policy

We may update this Policy to reflect changes in our practices, the Service, or legal requirements. For material changes:

We will provide at least 30 days' advance notice by email or in-app notification
The updated Policy applies to purchases made after the effective date
Existing subscribers retain the refund treatment in effect at the time of their most recent purchase or renewal, where this is more favourable

19. Contact

For refund and cancellation questions:

Xiom OÜ Sepapaja tn 6, 15551 Tallinn, Harju maakond, Estonia Email: support@prosperify.ai Refund-specific subject line: "Refund Request"

You can also request a refund directly at paddle.net ("Request refund"), or write to us through the Contact page.

We aim to acknowledge requests within 5 business days.

This Policy is provided in English. If translations are made available, the English version prevails in the event of any conflict, except where mandatory local law requires otherwise.