Refund Policy

1. Overview

This Refund Policy explains when Riskor (“Riskor,” “we,” “us,” or “our”) will issue refunds for purchases of our business Services. This Policy forms part of our Terms of Use and should be read together with our Privacy Policy. The Services are offered to business users only.

2. Merchant of Record

For most card payments, our merchant of record is Paddle. Charges may appear on your statement as “Paddle* Riskor” or similar. Paddle issues receipts and processes applicable refunds back to the original payment method. If you purchased via invoice or bank transfer directly with Riskor, we will handle refund eligibility and processing ourselves.

3. General Rule

All fees are non-refundable except as described in Section 4 below or where required by applicable law. Cancelling a subscription stops future renewals but does not retroactively refund past charges.

4. When We Refund

• Duplicate Charge or Accidental Double Purchase. You were charged twice for the same order or plan.
• Billing Error. You were charged an incorrect amount, currency, or tax due to our or Paddle’s processing error.
• Unauthorized/Fraudulent Transaction. A payment was made without your authorization. We or Paddle may request documentation to verify.
• Cancellation Before Renewal But Still Charged. You cancelled on time but a renewal charge still occurred.
• Required by Law. We will comply with any mandatory refund rights under applicable law.

Unless otherwise required by law, we do not offer refunds for partial periods, metered/consumption already delivered, dissatisfaction with model output, or best-effort availability targets not met. Service credits, if any, are governed separately and are not refunds.

5. How to Request a Refund

Email support@riskorai.com from your account email within 30 days of the charge. Include:

• Order/receipt ID (from Paddle receipt or invoice), plan name, charged amount, and charge date/timezone.
• A brief reason (e.g., duplicate charge) and any relevant evidence (e.g., second receipt).

We aim to acknowledge requests within 2 business days. If Paddle is the merchant of record, we will coordinate with Paddle to process the refund.

6. Processing & Timelines

• Refunds are issued to the original payment method.
• Processing time is typically 5–10 business days after approval; bank timelines may vary.
• Refunds are made in the original transaction currency. Exchange rate differences or bank fees are not covered.

7. Cancellations

You can cancel anytime to stop future renewals. Access continues until the end of the current billing period. Cancellation does not entitle you to a refund for the current period unless Section 4 applies.

8. Chargebacks

If you believe a charge is in error, please contact us first. We will work with Paddle and your payment provider to resolve issues quickly. Submitting unwarranted chargebacks may delay resolution and could result in account suspension.

9. Changes to This Policy

We may update this Policy. We will post updates with a new “Last Updated” date and, for material changes, provide reasonable advance notice by email or in-product notice. Continued use after the effective date constitutes acceptance.

10. Contact

Questions about refunds? Contact contact@riskorai.com. For legal notices: contact@riskorai.com.