Refund & Cancellation Policy

1. What this covers

This policy applies to payments made directly to TechGPT Ltd — development services, subscriptions billed by us, and one-off purchases through our own checkout. It does not cover purchases billed by Apple or Google, which are governed by their own terms.

2. Consumer cancellation rights

If you are a consumer in the United Kingdom or European Economic Area, you normally have a 14-day right to cancel a contract made at a distance, under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 or your local equivalent.

• The 14 days run from the day after the contract is concluded.
• You do not need to give a reason.
• We refund within 14 days of being told you are cancelling, using the same payment method you used.
• If you asked us to start supplying a service during the cancellation period, and then cancel, we may charge for what was actually supplied up to the point you told us.
• The right to cancel is lost once digital content has been downloaded or streamed, where you gave express consent to that and acknowledged you would lose the right.

To cancel, email hello@techgptltd.com with your order details and a clear statement that you are cancelling. These rights apply in addition to everything else in this policy, and nothing here reduces them.

3. Subscriptions billed by us

• Cancel at any time from your account settings, or by emailing support@techgptltd.com.
• Cancellation stops the next renewal. You keep access until the end of the period you have already paid for.
• We do not, as a rule, refund the unused part of a period that has already started, except where consumer cancellation rights apply, where we made a material change you did not accept, or where we are at fault.
• Accidental renewal: if you contact us within 7 days of an unexpected renewal and have not meaningfully used the service in that period, we will normally refund it.
• Annual plans: cancel within 30 days of the start of a new annual term, having barely used it, and we will normally refund pro rata.

4. Development and consultancy services

• Deposits secure a delivery slot and cover discovery work. They are non-refundable once discovery has started, but are credited in full against the project fee.
• Milestone payments relate to work already delivered and are non-refundable once the milestone has been accepted, or deemed accepted under our Terms.
• Cancellation mid-project — you may cancel on written notice. You pay for work completed to that date plus any non-recoverable third-party costs we have committed to on your behalf. Anything prepaid beyond that is refunded within 30 days.
• Retainers — cancel with 30 days' written notice. The final month is payable; unused days in earlier months are not refundable but may be used during the notice period.
• If we fail to deliver what was agreed and cannot put it right within a reasonable period after you tell us, you are entitled to a refund of the amounts paid for the affected work.

5. When we cannot refund

• Work already completed and accepted;
• Third-party costs already incurred on your instruction — licences, domains, app store fees, paid APIs;
• Change of mind after a service has been fully performed;
• Where an account was terminated for breach of our Terms or Acceptable Use Policy;
• Where a refund is sought abusively or repeatedly for the same service.

6. How to request a refund

1. Email hello@techgptltd.com with the subject "Refund request".
2. Include your name, the invoice or order number, the date, the amount and the reason.
3. We acknowledge within 2 business days.
4. We decide within 10 business days and explain the outcome in writing.
5. Approved refunds are issued to the original payment method within 14 days. Your bank may take a few further days to show it.

7. Disputes and chargebacks

Please contact us before raising a chargeback with your bank or card provider — most disputes are resolved faster directly. If a chargeback is raised, we may suspend the associated account until it is resolved, and we will provide the payment provider with the documentation supporting the transaction.

8. Contact

Billing and refunds: hello@techgptltd.com
TechGPT Ltd, [Registered Office Address], United Kingdom