Refund Policy

1. Purpose and Scope of This Policy

This policy applies to every Order placed through our website, whether for a pre-configured package or for a custom-configured plan. It explains your statutory right to cancel, the circumstances in which that right is lost, what happens if something goes wrong with generation, and how to ask us for a refund.

This policy is designed to be fair to customers while reflecting the commercial reality of the product: once the automated system has generated your plan, the entire value of what you bought has been transferred to you and the cost of producing it has been irrevocably incurred. It cannot be returned, unsent, or unread.

2. What You Are Buying - Digital Content Delivered Immediately

You are buying a one-time digital product. You pay once, you submit a brief describing your business, an automated artificial intelligence system generates a business plan document from that brief, and the document is made available to you for download, ordinarily within minutes.

There are no sessions, appointments, or consultations to attend or cancel. There is no consultant assigned to you and no human time reserved. There is no deposit, no retainer, no instalment plan, and no notice period. The transaction is complete when the plan is delivered.

In legal terms, what we supply is digital content not supplied on a tangible medium. That classification is what governs your cancellation rights under sections 3 and 4 below.

3. Your Fourteen-Day Right to Cancel

If you are a consumer resident in the United Kingdom, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 ordinarily give you a right to cancel a contract concluded at a distance within fourteen days, without giving any reason. For a contract for the supply of digital content that is not supplied on a tangible medium, that fourteen-day period begins on the day the contract is concluded.

This right is a right to cancel the contract and receive a refund. It is not conditional on there being anything wrong with the product. However, as explained in section 4, it is subject to an important exception that will apply to almost every Order placed with us, because our product is generated and delivered immediately.

You are not required to use any particular form of words to cancel. You may cancel by sending a clear statement to Comerziauk@gmail.com. If you have a right to cancel and you exercise it, we will refund you in full using the same means of payment you used, within fourteen days of the day we are informed of your decision.

4. Express Consent to Immediate Generation and Loss of the Right to Cancel

Under regulation 37 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the right to cancel a contract for the supply of digital content not on a tangible medium is lost if performance begins during the fourteen-day cancellation period with your express prior consent, and with your acknowledgement that you will lose your right to cancel once performance has begun, and we have provided you with confirmation of the contract.

Our entire product is built around immediate delivery. Accordingly, at checkout, before you pay, you are asked to tick a box giving your express consent to generation of your plan beginning immediately, and confirming that you acknowledge and agree that once generation has begun you will lose your statutory right to cancel and will not be entitled to a refund on the basis of a change of mind. You cannot complete an Order without giving that consent, because immediate delivery is the product. We provide confirmation of your contract, including these terms, by email.

The practical effect is this: if you tick that box, pay, and generation begins, your fourteen-day right to cancel is gone and a refund is not available simply because you have changed your mind. This is a lawful and intended consequence of buying digital content that is delivered at once, and it applies to the entire Order. Your rights in respect of a product that is faulty, incomplete, or not as described are separate and are not affected - see sections 7, 8, 10, and 18.

5. Cancelling Before Generation Begins

There is normally only a very short window between payment and the start of generation, often a matter of seconds. If for any reason generation has not yet begun when you contact us - for example because your Order is queued, because our artificial intelligence provider is temporarily unavailable, or because your Order is held for review - and you tell us at Comerziauk@gmail.com that you wish to cancel, we will cancel the Order and refund you in full.

If generation has already begun by the time we receive your message, section 4 applies and no refund is available on a change-of-mind basis. We determine whether generation has begun by reference to our system records, which record the time your Order was submitted to the generation system. We will apply those records honestly and, where the position is genuinely unclear, we will resolve the doubt in your favour.

6. Business Customers

The statutory cancellation right described in section 3 applies to consumers only. If you are purchasing as a business, in the course of your trade, business, craft, or profession, that right does not apply to you at all, whether or not you gave the consent described in section 4.

Business customers have no right to cancel or to a refund on a change-of-mind basis at any stage. Sections 7, 8, and 9, which deal with generation failures, regeneration, and dissatisfaction, apply to business customers as a matter of our commercial policy and at our discretion, and the remedies in them are the only remedies available, subject to the Terms and Conditions and to any right that cannot lawfully be excluded.

7. If Generation Fails or Delivery Does Not Happen

If you pay and no plan is generated at all, or generation fails and cannot be completed, or the file delivered to you is corrupted, unreadable, empty, or materially incomplete, or the document delivered does not correspond to the package or configuration you paid for, you have not received what you bought and this section applies.

Contact us at Comerziauk@gmail.com with your order reference and a description of what happened. We will investigate promptly. If we confirm the failure, we will first attempt to regenerate your plan at no additional cost, as described in section 8. If regeneration is not possible, or if it fails again, or if you prefer not to wait, we will refund you in full.

Where an Order fails on our side, you will never be left having paid for nothing. Your choice between regeneration and a refund in those circumstances is genuine, and nothing in this policy requires you to accept a regeneration in place of a refund where the product could not be supplied at all.

8. Regeneration as the First Remedy

Where something has gone wrong with the production of your plan, our ordinary first remedy is regeneration: we run the generation again, at no additional cost to you, and deliver a fresh document.

You should understand two things about regeneration. First, the system is not deterministic: a regenerated plan will not be identical to the first, and may differ in structure, wording, ordering, and emphasis even where the same brief is used. Regeneration is not a correction of specific errors and is not an edit; it is a new generation. Second, where the problem was caused or contributed to by the content of your brief, we may ask you to clarify or amend the brief before we regenerate, because regenerating from the same deficient brief is unlikely to produce a materially different result.

Regeneration is offered as a practical and usually quicker remedy, and where you are a consumer it is offered without prejudice to your rights under the Consumer Rights Act 2015 described in section 10. We will not insist on repeated regenerations where it has become clear that the issue cannot be resolved that way.

9. Dissatisfaction with the AI-Generated Output

The plan we deliver is machine-generated from the brief you wrote. As explained in our Terms and Conditions and our Disclaimer, output of this kind can be generic, can be inaccurate, can misread a brief, and will always require your own review, verification, and editing before use. That is the nature of the product and it is disclosed to you clearly before you buy.

Accordingly, and to the fullest extent permitted by law, a refund will not ordinarily be available on the basis that: you did not like the writing style, tone, structure, or length; the plan was more generic than you hoped; the plan reflects back the assumptions or gaps in your own brief; you have changed your mind about your business idea; you found the same information elsewhere or could have written it yourself; a figure in the plan needs correcting or updating; you have decided you would prefer a plan written by a human; or a bank, investor, grant body, or immigration authority declined to accept or act on it. Section 16 of our Terms and Conditions explains that we give no warranty that any third party will accept a plan, and a third party's decision is never a ground for a refund.

This section does not apply, and is not intended to apply, where the plan is genuinely faulty, materially incomplete, or not as described. Those situations are dealt with in sections 7 and 10, and nothing in this section limits your statutory rights.

10. Faulty Digital Content and the Consumer Rights Act 2015

If you are a consumer, the Consumer Rights Act 2015 requires digital content supplied to you to be of satisfactory quality, fit for any particular purpose you made known to us before the contract was made and that we accepted, and as described by us. These rights cannot be excluded, and they apply in addition to and independently of the cancellation right described in sections 3 and 4. Giving your consent to immediate generation does not waive them.

If the plan supplied to you does not meet those standards, you are entitled under that Act to a repair or replacement, which in the context of our product ordinarily means regeneration, within a reasonable time and without significant inconvenience to you. If a repair or replacement is impossible, or cannot be provided within a reasonable time or without significant inconvenience, or if it has been attempted and the content still does not conform, you are entitled to a price reduction, which may be a reduction of up to the full price paid.

In assessing whether digital content is of satisfactory quality, the law takes account of the description given, the price paid, and all other relevant circumstances, including any public statement made about it. We ask you to note that we describe the product plainly as AI-generated, unreviewed, requiring verification, and carrying no guarantee of accuracy or of acceptance by any third party. Those disclosures form part of the description of what you are buying and are relevant to what quality and conformity mean for this product. That said, we will assess any claim under this section honestly and on its merits.

11. Circumstances In Which Refunds Are Not Ordinarily Given

Subject always to sections 7, 10, and 18 and to your non-excludable statutory rights, refunds are not ordinarily given where: generation has begun following your express consent under section 4 and you have changed your mind; the plan has been delivered and is substantially what was ordered; you are dissatisfied for one of the reasons listed in section 9; you supplied an inaccurate, incomplete, contradictory, or misleading brief and the plan reflects it; you supplied an incorrect email address and did not receive delivery, where the plan remains available in your account; you have used, edited, published, or submitted the plan to a third party; you ordered the wrong package or configuration and the plan was correctly generated to the configuration you chose; or a third party has declined to accept or act on the plan.

Refunds are also not given where an Order is cancelled or terminated because your brief fell within the prohibited use provisions of our Terms and Conditions and the plan was nonetheless generated and supplied to you, or where a refund is sought in connection with unlawful or fraudulent use of our product.

12. Duplicate Payments, Failed Payments, and Overcharges

If you are charged twice for the same Order, if you are charged for an Order that was never created, or if the amount taken exceeds the price displayed at checkout, contact us at Comerziauk@gmail.com and we will investigate and refund the excess in full. This is not a discretionary matter and is not affected by section 4.

Amounts arising from your own payment provider's exchange rate, foreign transaction fees, or cross-border charges are set by that provider, are outside our control, and are not refundable by us. If you believe your provider has charged you incorrectly, you should raise that with your provider.

13. Custom-Configured Plans

Custom plans are configured by you and priced according to the options you select before you pay. They are generated in exactly the same automated way as packages and are delivered on the same immediate basis.

The same rules therefore apply to them: the same consent to immediate generation is captured at checkout, the same loss of the cancellation right follows, and the same protections in sections 7, 10, and 18 apply. We do not treat a custom plan as more or less refundable than a package, and we do not levy any configuration, setup, or bespoke-work charge that survives a refund. Where an Order is refunded in full under this policy, it is refunded in full.

14. How to Request a Refund

To request a refund, cancellation, or regeneration, email Comerziauk@gmail.com. Email is our only contact channel and is sufficient for every purpose under this policy.

Please include your full name, the email address associated with the Order, your order reference or the approximate date and time of purchase, the package or configuration you bought, a clear description of the problem or the reason for your request, and the remedy you are seeking. Where relevant, please attach or describe the file you received. Prompt and specific communication helps us resolve matters efficiently and fairly.

You are not required to give a reason in order to exercise a statutory right to cancel where that right is available to you, and nothing in this section makes the exercise of a statutory right conditional on providing information.

15. How We Assess and Decide Requests

We will acknowledge your request promptly and aim to reach a decision without unnecessary delay. We may ask you for further information, and we may review our system records of your Order, including the time of payment, the time generation began and completed, the configuration ordered, and the document delivered.

We will tell you our decision and our reasons in writing by email. If we decline a request, we will explain why by reference to this policy and, where relevant, will tell you what your remaining options are. If you disagree with our decision, you may ask us to review it, and you retain any statutory right and any right to bring proceedings as described in our Terms and Conditions.

16. Method and Timing of Refunds

Approved refunds are processed using the original payment method, unless that is impossible or another method is agreed with you. We will not charge you a fee for making a refund.

Where a refund is made under a statutory cancellation right, it will be made within fourteen days of the day on which we are informed of your decision to cancel, as required by law. Where a refund is made under another provision of this policy, we aim to process it within five business days of approval.

The time it takes for the money to appear in your account after we have processed the refund depends on your bank or card issuer and is outside our control. It is commonly a further three to ten business days. We do not deduct our own payment processing costs from a refund.

17. Chargebacks and Payment Disputes

If you believe you are entitled to a refund, please contact us first at Comerziauk@gmail.com. We would much rather resolve the matter with you directly, and doing so is almost always faster than a chargeback.

Raising a chargeback or payment dispute with your bank or card issuer without contacting us first does not increase your rights, and it does not change whether a refund is due under this policy or under the law. Where we receive a chargeback, we will respond to it and will supply our payment provider with the evidence of the transaction, which may include the record of your Order, the record of your express consent to immediate generation given at checkout under section 4, the generation and delivery timestamps, the document delivered, any download records, and our correspondence with you.

We reserve the right to suspend or close the account of, and decline future Orders from, any customer who raises a chargeback that we reasonably consider to be unfounded, and to recover from a non-consumer customer any chargeback fee levied on us, in each case to the extent permitted by law. Nothing in this section limits your right to raise a dispute with your payment provider or to complain to any competent authority.

18. Statutory Rights Unaffected

Nothing in this policy excludes, restricts, or is intended to exclude or restrict any right you have that cannot lawfully be excluded or restricted, including your rights as a consumer under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

Where anything in this policy conflicts with such a right, that right prevails and this policy is to be read as modified accordingly. The commercial provisions in this policy operate only within the space that the law leaves to agreement between us.

If you are a consumer resident outside the United Kingdom, you may have equivalent or additional mandatory rights under the law of your country of habitual residence, and nothing in this policy deprives you of them.

19. Changes to This Policy

We may update this Refund Policy from time to time to reflect changes in law, our providers, or our business. Any revised version will be published on the website with an updated effective date.

The version in effect at the time you place an Order applies to that Order, unless a later version is more favourable to you or unless the law requires otherwise.