Refund and Cancellation Policy

Effective Date: [EFFECTIVE_DATE]
Last Updated: [EFFECTIVE_DATE]

1. Definitions and Interpretation

1.1 In this Policy:

• "ACL" means the Australian Consumer Law set out in Schedule 2 to the Competition and Consumer Act 2010 (Cth);
• "Business Day" means a day other than a Saturday, Sunday or public holiday in New South Wales;
• "Change-of-Mind Period" has the meaning given in clause 5.1;
• "Clearmint" means the Clearmint personal finance web application, together with any related services supplied by the Company;
• "Company" means [ENTITY_NAME] (ABN [ABN]);
• "Customer" means a person who purchases a Licence;
• "Licence" means the licence to access and use Clearmint granted to a Customer on payment of the Purchase Price;
• "Purchase Date" means the date of purchase shown on the Customer's Stripe receipt;
• "Purchase Price" means the one-off amount paid for a Licence, being $29.95 AUD as at the Effective Date;
• "Stripe" means the third-party payment processor through which the Company accepts payments; and
• "Support Email" means [SUPPORT_EMAIL].

1.2 Headings are for convenience only and do not affect the interpretation of this Policy. The word "including" is not a word of limitation.

2. Overview

2.1 This clause 2 is a summary only. If there is any inconsistency between this clause and the remainder of this Policy, the remainder of this Policy prevails.

2.2 A Licence is purchased by a single payment of the Purchase Price and provides lifetime access to Clearmint. No subscription is created and no further charges will be made.

2.3 A Customer who requests a refund within seven (7) days after the Purchase Date is entitled to a full refund, without being required to give a reason.

2.4 Separately, Customers in Australia have guarantees under the ACL that cannot be excluded and are not limited to the Change-of-Mind Period. If Clearmint is faulty, does not perform as described, or is not as represented, the Customer is entitled to a remedy in accordance with clause 6.

3. No Subscription

3.1 Clearmint is sold as a one-off purchase. A Customer is not enrolled in a subscription, no payment card is stored on file for future billing, and no recurring charge is created. No further amount will be charged.

3.2 As there is no subscription, there is nothing to cancel. A Customer who no longer wishes to use Clearmint may simply cease using it.

3.3 A Customer may request deletion of their account and associated data by writing to the Support Email. Deletion is handled in accordance with the Company's Privacy Policy.

4. Nature of the Purchase

4.1 The Customer purchases a Licence, which is supplied immediately on payment. Access to Clearmint is granted as soon as payment is confirmed, and Clearmint is available to the Customer in full from that time.

5. Change-of-Mind Refunds

5.1 A Customer may request a full refund of the Purchase Price for any reason within seven (7) days after the Purchase Date (the "Change-of-Mind Period").

5.2 The Customer is not required to state or substantiate a reason for the request, and the Company will not ask the Customer to do so.

5.3 A Customer may request a refund under clause 5.1 from within Clearmint, in the account section, at any time during the Change-of-Mind Period. A refund requested in this way is processed immediately and the Licence terminates on processing. A Customer may instead request a refund by email to the Support Email from the email address used to purchase the Licence.

5.3A The in-product request described in clause 5.3 is available for seven (7) days after the Purchase Date. A Customer to whom the fourteen (14) day period in clause 5.6 applies may make a request during days eight (8) to fourteen (14) by email to the Support Email, and the Company will process it on the same terms.

5.4 On a refund under this clause 5 being processed, the Licence terminates and the Customer's access to Clearmint is withdrawn.

5.5 Customers are able to assess Clearmint before purchase. The full product walkthrough is built on the actual Clearmint calculator, and the interactive demonstrations on the Company's home page use the same calculations. Enquiries made before purchase may be directed to the Support Email.

5.6 Customers in the European Economic Area and the United Kingdom. Where the Customer resides in the European Economic Area or the United Kingdom, the Change-of-Mind Period is fourteen (14) days after the Purchase Date. The Company applies the full statutory withdrawal period available to purchasers of digital content in those jurisdictions and does not ask the Customer to waive it at checkout. The in-product request described in clause 5.3 runs for seven (7) days; clause 5.3A sets out how a request is made during days eight (8) to fourteen (14).

5.7 After the Change-of-Mind Period. After the Change-of-Mind Period ends, the Company does not provide refunds for a change of mind, including where the Customer no longer wishes to use Clearmint, uses it less than expected, or prefers an alternative product. This clause 5.7 does not limit the Customer's rights under clause 6, which are not confined to any fixed period.

5.8 Re-activation after a refund. Where a Licence has been terminated following a refund, the Customer may purchase a new Licence at the price then current. The Change-of-Mind Period in clause 5.1 applies to a Customer’s first purchase only, and a purchase made under this clause 5.8 does not attract a further Change-of-Mind Period. This clause does not limit the Customer’s rights under clause 6.

6. Rights Under the Australian Consumer Law

6.1 The rights described in this clause 6 cannot be excluded, and nothing in this Policy excludes, restricts or modifies them. They are separate from, and not limited by, the Change-of-Mind Period.

6.2 Where the Customer is a consumer in Australia, Clearmint comes with guarantees under the ACL. These include that Clearmint will be supplied with due care and skill, will be fit for the purpose the Company has described, and will match the description the Company has given of it.

6.3 The Customer is entitled to a remedy where Clearmint:

(a) does not work, or does not perform as the Company has represented;

(b) is significantly different from its description on the Company's website or in its marketing;

(c) has a fault that would have caused the Customer not to purchase it had the Customer known of it; or

(d) is not of acceptable quality and cannot be remedied within a reasonable time.

6.4 Minor failures. Where a failure is minor, the Company will remedy it, ordinarily by repairing the fault within a reasonable time. The Customer is entitled to have the failure remedied.

6.5 Major failures. Where a failure is major, the Customer may elect to cancel and receive a refund, or to retain Clearmint and seek compensation for any reduction in its value. A failure is major where it would have caused the Customer not to purchase Clearmint, where Clearmint is substantially unfit for purpose and cannot easily be remedied within a reasonable time, or where it is unsafe.

6.6 The Customer may also be entitled to compensation for any other reasonably foreseeable loss or damage.

6.7 Duration. These guarantees are not limited to a fixed period. They apply for a period that is reasonable having regard to the nature of Clearmint and the Purchase Price, and may therefore cover a fault that arises months after the Purchase Date.

7. Consumers Outside Australia

7.1 Clearmint is supplied worldwide from Australia. Consumer protection laws vary between jurisdictions, and some jurisdictions confer statutory rights on purchasers of digital products in addition to those described in this Policy.

7.2 Where the law of the Customer's country of residence confers rights that cannot be excluded by agreement, those rights apply and this Policy does not limit them.

7.3 A Customer who believes such a right applies should write to the Support Email stating their country of residence. The Company will apply whichever of the Customer's local law or this Policy provides the more favourable outcome to the Customer.

8. Duplicate, Unauthorised and Mistaken Charges

8.1 The following circumstances are not subject to the Change-of-Mind Period, and the Company will rectify each of them:

(a) Duplicate payment: where the Customer has been charged more than once for the same purchase, the Company will refund each duplicate charge in full;

(b) Incorrect amount: where the Customer has been charged an amount other than the advertised Purchase Price, the Company will refund the difference;

(c) Unauthorised charge: where the Customer's payment card has been used without the Customer's authority, the Customer should notify both the Company and their card issuer, and the Company will refund the charge and close the account created with it; and

(d) Access not granted: where payment has succeeded but access to Clearmint has not been granted, this constitutes a failure to supply, and the Customer may elect either to have access granted promptly or to receive a full refund.

9. Making a Claim

9.1 A refund request or claim must be made by email to the Support Email and should include:

(a) the email address used to purchase the Licence;

(b) the approximate Purchase Date or, if available, the Stripe receipt; and

(c) the remedy sought, being either a change-of-mind refund or a description of the problem experienced.

9.2 The Company will acknowledge the request within five (5) Business Days of receipt and will inform the Customer of the remedy it is able to provide.

9.3 A request made within the Change-of-Mind Period requires no information beyond that set out in clause 9.1.

9.4 In the case of a fault, the Company will ordinarily offer to remedy the fault in the first instance. Where the failure is major, or cannot be remedied within a reasonable time, the Customer may elect to receive a refund instead. The Company will not require the Customer to accept a repair where the law entitles the Customer to choose a different remedy.

9.5 The Customer is not required to use any particular form of words, to refer to any legislation, or to describe the request as a formal claim.

10. Payment of Refunds

10.1 Approved refunds are processed through Stripe to the original payment method. The Company does not issue refunds to a different card, account or person.

10.2 Following processing, Stripe typically returns refunded funds within five (5) to ten (10) business days, although the exact timing depends on the Customer's bank or card issuer.

10.3 Currency conversion and any fees charged by the Customer's bank are outside the Company's control. Where an international card is used, the amount returned may differ slightly from the amount charged.

10.4 On a refund being issued, the Licence terminates and the Customer's access to Clearmint is withdrawn.

11. Chargebacks

11.1 A Customer who believes an error has occurred is asked to contact the Company before initiating a chargeback. The Company can generally resolve such matters more quickly than a bank dispute, particularly within the Change-of-Mind Period, where a refund may be obtained by a single email.

11.2 A chargeback initiated without first contacting the Company may result in funds being held for several weeks, and may result in the associated account being suspended while the dispute is investigated.

11.3 Nothing in this clause 11 affects the Customer's right to dispute a charge with their bank or card issuer.

12. Amendments

12.1 The Company may amend this Policy from time to time, in which case the "Last Updated" date will be revised.

12.2 The version of this Policy in force on the Purchase Date applies to that purchase.

13. Contact

13.1 Enquiries regarding this Policy may be directed to:

[ENTITY_NAME] (ABN [ABN])
Email: [SUPPORT_EMAIL]

13.2 A Customer who is not satisfied with the Company's response may contact the consumer protection agency in their state or territory, or the Australian Competition and Consumer Commission at accc.gov.au.