Refund Policy

1. Overview

SubDoc provides automated Certificate of Insurance (COI) tracking, AI data extraction, document validation, and vendor compliance management on a recurring subscription basis.

Paddle is our Merchant of Record. Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries related to payments and handles returns and refunds. This Refund Policy works alongside, and never limits, the rights you have under the Paddle Buyer Terms.

2. 14-Day Refund Guarantee

You can request a full refund within 14 days of any purchase. This applies to every payment made for a SubDoc subscription, including:

• The first charge after your 14-day free trial ends.
• A plan purchased directly, without a free trial.
• Monthly and annual subscription renewals.
• Upgrades to a higher plan.

The 14 days are counted from the date of the charge shown on your Paddle receipt. Refunds are not conditional on how much you have used SubDoc during that time. Approved refunds are returned to your original payment method by Paddle.

3. Free Trial

Eligible paid plans start with a 14-day free trial. You are not charged during the trial, and you can cancel at any time before it ends to avoid being billed. If the trial converts into a paid subscription, the 14-day refund guarantee in Section 2 applies to that first charge.

4. Cancellation & Renewals

All SubDoc subscriptions renew automatically according to the billing cycle you choose (monthly or annually). You can cancel at any time from the in-app Billing page or through the Paddle customer portal. Cancelling stops future renewals, and your plan stays active until the end of the period you have already paid for.

If you would like your money back rather than keeping access for the rest of the period, request a refund within 14 days of the charge as described in Section 5. Charges older than 14 days are not refundable, except where required by law.

5. How to Request a Refund

You can request a refund in either of these ways:

1. Email [email protected] with your account email and the order number from your Paddle receipt. We will pass the request to Paddle for processing.
2. Contact Paddle directly at paddle.net using the details on your receipt.

Refunds are usually processed within 5 business days of approval. Depending on your bank or card issuer, it may take a further 5 to 10 business days for the money to appear on your statement.

6. Limitations

• Fraud and abuse: Paddle may decline a refund where there is evidence of fraud, refund abuse, or other manipulative behaviour, as set out in the Paddle Buyer Terms.
• Currency: Refunds are issued in the currency of the original charge. Differences caused by exchange rates or bank fees are outside our control.
• Statutory rights: Nothing in this policy limits any rights you have under the consumer protection laws that apply to you.