Refund Policy

Monthly subscriptions renew automatically at the start of each billing period. You can cancel at any time from Settings → Subscription; cancellation stops future renewals but does not refund the current month. Once a month has been billed it is generally non-refundable.

If you subscribe to an annual plan you may request a full refund within 14 days of the initial purchase, in line with the EU Consumer Rights Directive, provided you have not made substantial use of paid-only features. After 14 days annual subscriptions are non-refundable, but you keep access until the end of the period.

The Free plan is, and always will be, free. No payment is taken for the Free plan, so no refund applies.

Cancel any time from Settings → Subscription. You keep paid features until the end of the current billing period. Cancelling a Founding Member subscription permanently ends the Founding discount and the discounted price cannot be reinstated.

All charges are made in EUR by Stripe on our behalf and appear on your statement as “Cardliv” or “Stripe * Cardliv”. Invoices are available in Settings → Subscription and are emailed automatically after each successful payment.

Refunds are considered on a case-by-case basis in these situations:

• You were charged after cancellation because of a technical error.
• You were charged twice for the same billing period.
• A prolonged service outage prevented you from using paid features.
• You requested cancellation within the 14-day cooling-off period on an annual plan and have not substantially used paid-only features.

If you notice a duplicate charge, email billing@cardliv.com with the invoice IDs from Settings → Subscription. Duplicate charges are refunded in full within 5–10 business days.

Stripe automatically retries failed payments for up to a week. If the payment ultimately fails your subscription is downgraded to the Free plan; no cancellation fee is charged. You can update your payment method or resubscribe at any time.

Email billing@cardliv.com from the address linked to your account, include the invoice number and a short description of the issue. We aim to reply within 2 business days. Approved refunds are issued through Stripe to the original payment method within 5–10 business days.

Anything unclear? Reach out at support@cardliv.com — we're happy to help before you file a chargeback.