Refund Policy

1. Overview

At 530am.io, we strive to provide valuable services to our community. This Refund Policy explains your rights regarding refunds and cancellations for our subscription services.

2. EU Right of Withdrawal (14-Day Cooling-Off Period)

In accordance with EU Consumer Rights Directive 2011/83/EU, if you are a consumer based in the European Union, you have the right to withdraw from your purchase within 14 days without giving any reason.

2.1 How the Right of Withdrawal Works

• Withdrawal period: 14 days from the date of your subscription purchase
• Full refund: You will receive a full refund of the amount paid
• No questions asked: You do not need to provide a reason for withdrawal
• How to exercise: Contact us at hello@530am.io stating your wish to withdraw

2.2 Express Waiver of Right of Withdrawal

By subscribing to 530am.io, you acknowledge that:

• You gain immediate access to our services upon subscription
• If you use the service during the 14-day period, you expressly request immediate performance of the contract
• By using the service, you acknowledge that you will lose your right of withdrawal once the service has been fully performed

💡 Important: However, if you have not actively used any membership features (e.g., have not posted any content), you maintain your full right of withdrawal and will receive a full refund if requested within 14 days.

3. Subscription Refunds

3.1 General Refund Policy

Outside of the 14-day EU withdrawal period:

• Subscriptions are billed monthly in advance
• No refunds are provided for partial billing periods
• You can cancel at any time, and your subscription will remain active until the end of your current billing period
• No charges will be made after cancellation

3.2 Pro-Rata Refunds

We do not offer pro-rata refunds for unused time in your billing period. When you cancel:

• You retain full access to your subscription benefits until the end of the current billing period
• Your subscription will not renew
• No additional charges will be made

4. Exceptional Circumstances

We may provide refunds outside of the standard policy in exceptional circumstances, at our sole discretion:

• Service outages: Extended periods where our service was unavailable
• Billing errors: Duplicate charges or incorrect amounts
• Unauthorized charges: Charges made without your authorization
• Technical issues: Persistent technical problems preventing service use

To request a refund under exceptional circumstances, contact us at hello@530am.io with:

• Your account email address
• A detailed explanation of the circumstances
• Any relevant supporting documentation

5. How to Request a Refund

5.1 Refund Request Process

To request a refund:

1. Send an email to hello@530am.io
2. Include your account email address
3. State clearly that you wish to request a refund
4. For EU withdrawal rights, mention "Right of Withdrawal" in your subject line
5. Provide your reason (if applicable)

5.2 Processing Timeline

• Acknowledgment: We will acknowledge your request within 2 business days
• Review: Eligible refund requests will be reviewed within 5 business days
• Processing: Approved refunds will be processed within 14 days
• Receipt: Refunds will be returned to your original payment method

Please note that depending on your bank or payment provider, it may take an additional 5-10 business days for the refund to appear in your account.

6. Chargebacks

If you file a chargeback or payment dispute with your bank or credit card company:

• Please contact us first at hello@530am.io to resolve the issue
• Your account may be immediately suspended pending resolution
• Fraudulent chargebacks may result in permanent account termination
• We reserve the right to dispute illegitimate chargebacks

⚠️ Note: Chargebacks should be used as a last resort. Most issues can be quickly resolved by contacting our support team directly.

7. Subscription Cancellation

Cancelling your subscription is not the same as requesting a refund:

• To cancel: Visit your account settings and click "Cancel Subscription"
• Effect: Cancellation prevents future charges but does not refund the current period
• Access: You retain access until the end of your current billing period
• Reactivation: You can reactivate your subscription at any time

8. Failed Payments

If a subscription payment fails:

• We will attempt to process the payment up to 3 times over 7 days
• You will receive email notifications about failed payments
• Your subscription will be suspended if payment cannot be collected
• No refund is necessary as no successful charge was made
• You can update your payment method in your account settings

9. Downgrading Subscriptions

If you downgrade from Inner Circle ($25/month) to Builder ($10/month):

• The downgrade takes effect at the end of your current billing period
• No refund is provided for the difference in price
• You retain Inner Circle access until the downgrade takes effect
• The new billing amount will apply from the next billing date

10. Account Termination by 530am.io

If we terminate your account for violation of our Terms of Service:

• No refund will be provided for the current billing period
• You will lose access immediately
• Future billing will be cancelled automatically

If we terminate your account for reasons other than Terms violations, we may provide a pro-rata refund at our discretion.

11. Currency and Processing Fees

• Refunds are processed in the original transaction currency
• We do not refund any currency conversion fees charged by your bank
• Payment processing fees are not refundable
• International transaction fees are not refundable

12. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Changes will:

• Be posted on this page with an updated "Last updated" date
• Be communicated to active subscribers via email
• Take effect 30 days after notification
• Not affect refund requests made before the changes take effect

13. EU Model Withdrawal Form

EU consumers may use this template to exercise their right of withdrawal:

14. Contact Information

For refund requests or questions about this policy, please contact us at:
Email: hello@530am.io

We aim to respond to all refund requests within 2 business days.