Refund & Cancellation Policy

Last updated: 2026-08-03

1. Cancelling your subscription

You may cancel at any time. There is no minimum term and no cancellation fee.

On cancellation, your subscription remains active until the end of the period you have already paid for. Access ends at that point and no further payment is taken. We do not pro-rate refunds for the unused remainder of a period you chose to cancel within, except as set out in sections 2 and 3.

To cancel, use the subscription management link in your purchase confirmation email from Paddle, or contact support@krinofin.com and we will action it.

2. Right of withdrawal — consumers in the EU

2.1 The right. If you are a consumer resident in the European Union, you normally have 14 days from purchase to withdraw without giving any reason.

2.2 The waiver. Krinofin provides immediate access to digital content on purchase. Under Article 16(m) of Directive 2011/83/EU, the right of withdrawal is lost once performance has begun with your prior express consent and your acknowledgement that you thereby lose that right. At checkout you are asked to give that consent.

2.3 If you did not waive. If you did not give that consent, or if access was not in fact provided, you may withdraw within 14 days and receive a full refund. Contact support@krinofin.com stating that you wish to withdraw.

2.4 Business customers. The statutory right of withdrawal applies to consumers only. It does not apply to purchases made in the course of a trade, business, craft, or profession. Section 3 nonetheless applies to all customers.

3. Refunds we grant regardless

Independently of any statutory right, we will refund in the following circumstances. These are policy commitments, not concessions.

3.1 Service failure. If the Service is substantially unavailable, or the data it presents fails to update, for more than five consecutive days within a billing period, we refund that period in full on request.

3.2 Duplicate or erroneous charge. Refunded in full, promptly, on notification.

3.3 Charge after cancellation. If you are billed after cancelling, refunded in full.

3.4 Termination by us without cause. If we terminate your access other than for breach of the Terms of Service, we refund the unused portion of the prepaid period.

4. What is not refundable

4.1 Change of mind after the withdrawal period, where you have had access throughout.

4.2 Investment outcomes. Krinofin does not provide investment advice and makes no representation that its output has predictive value — see section 3 of the Terms of Service. Losses on investments you chose to make are not grounds for a refund. This is not a discretionary position: the Service does not sell investment outcomes and cannot be held to them.

4.3 Third-party data gaps. The Service sources data from public filings and third-party providers. Where a company's filings are incomplete, or where criteria are not applicable to a company's sector, the Service flags this explicitly. Records so flagged are the Service functioning as designed, not a defect, and are not grounds for refund. Section 4 of the Terms of Service describes these indicators.

4.4 Termination for breach. No refund is due where access is terminated for breach of the Terms of Service.

5. How to request a refund

Email support@krinofin.com with the email address used at purchase, the approximate purchase date, and the reason.

We acknowledge within 2 business days and decide within 10 business days. Approved refunds are issued by Paddle to the original payment method and typically appear within 5–10 business days, depending on your bank.

Because Paddle acts as merchant of record, refunds are processed by Paddle on our instruction. You may also contact Paddle directly.

6. Chargebacks

If you believe a charge is incorrect, please contact us first. We would rather resolve it directly and quickly.

Raising a chargeback without contacting us may result in suspension of the account pending resolution.

7. Contact

Theocharis Kartsolis (registered as ΚΑΡΤΣΩΛΗΣ ΘΕΟΧΑΡΗΣ ΔΗΜΗΤΡΙΟΣ), sole proprietor, trading as EcoQ Trapezountos 17, Edessa 58200, Greece support@krinofin.com