Refund Policy

This Refund Policy, which is part of our Terms of Service, explains how refunds are handled for purchases made through CrefaIO.

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Payment Processing and Merchant of Record

All purchases made on CrefaIO are processed by Paddle, which acts as the Merchant of Record.

As Merchant of Record, Paddle is responsible for:

• payment processing

• tax calculation and collection

• invoicing

• refunds and chargebacks

CrefaIO does not process payments or issue refunds directly.

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Refund Window

In accordance with Paddle’s Checkout Buyer Terms and applicable consumer protection laws, customers are generally entitled to a minimum 14-day refund period, where applicable.

Refund requests must be submitted within this period using:

• the refund options provided at the time of purchase, or

• Paddle’s official support channels

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Refund Processing

All refund requests are handled and processed exclusively by Paddle in accordance with:

• Paddle’s Checkout Buyer Terms

• applicable consumer protection laws

CrefaIO does not have access to full payment details and does not directly handle refund transactions.

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Refund Eligibility and Decisions

Refund eligibility, approval, and processing are determined solely by Paddle based on:

• Paddle’s policies

• the nature of the purchase

• applicable legal requirements

CrefaIO cannot approve, deny, override, or make exceptions to Paddle’s refund decisions.

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Chargebacks and Disputes

Any chargebacks, payment disputes, or billing inquiries must be submitted directly to Paddle. Paddle will manage such disputes in accordance with their policies and legal obligations.

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Additional Information

For detailed information regarding refunds, buyer rights, and dispute resolution, please refer to Paddle’s Checkout Buyer Terms, available on Paddle’s official website.

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Contact

For general questions about purchases or platform access (not refund processing), you may contact us at:

📧 support@crefaio.com