Introduction

This Refund Policy outlines the terms and conditions under which Incumental, Inc. ("we," "us," or "our") provides refunds for purchases related to our application, Incumental (the "Service"). This is a non-medical, digital self-help tool for gambling addiction recovery support. By making a purchase, you acknowledge the nature of this Service. It does not constitute behavioral therapy, compulsive gambling treatment, financial harm remediation, or an accredited recovery intervention.

Please read this policy carefully. Your statutory rights as a consumer are not affected.

Subscription, Auto-Renewal & Cancellation

For Subscriptions Purchased Directly Through Our Website:

Auto-Renewal Disclosure: Your subscription will AUTO-RENEW AUTOMATICALLY at the end of each subscription period (e.g., monthly, annually) until you cancel it.

Clear Consent: By purchasing a subscription, you provide your affirmative consent to this automatic renewal and authorize us to charge the applicable renewal fee to your payment method.

Easy Cancellation: You may CANCEL YOUR SUBSCRIPTION AT ANY TIME, WITH NO PENALTY, to stop future renewals. Cancellation must be completed through your account settings on our website at least 24 hours before your next renewal date.

Renewal Reminders: Where required by law (e.g., for annual subscriptions), we will send you a renewal reminder notice by email before your subscription renews.

Confirmation: You will receive an email confirmation for any initial purchase and renewal.

For Subscriptions Purchased Through App Stores (Apple/Google):

All billing, renewal, and cancellation for subscriptions made through third-party platforms are governed by that platform's terms and processes. You must manage your subscription directly through your device's settings (e.g., Apple App Store, Google Play Store).

Free Trials

If you start a subscription with a free trial:

- You will be CHARGED AUTOMATICALLY when the free trial period converts to a paid subscription, unless you cancel at least 24 hours before the trial ends.

- The terms of the trial and the subsequent subscription price will be clearly disclosed before you start the trial.

General Refund Principles

As a provider of non-medical, digital self-help tools, we design our Service to be accessible and functional upon download. Please note:

The Service is intended for supportive, personal development. We do not guarantee specific personal outcomes, progress, harm prevention, or relapse mitigation. Dissatisfaction with one's personal journey or outcomes is not grounds for a refund.

Refunds are considered in accordance with this policy, the terms of the platform from which you purchased, and applicable law.

Temporary Downtime: Occasional service interruptions or maintenance do not constitute a service failure eligible for a refund.

Refunds Based on Your Purchase Method

Your refund request path is determined by where you made your purchase.

Purchases Made Through Apple App Store

All payments and refund requests for subscriptions or in-app purchases made on iOS devices are managed exclusively by Apple. We cannot process, override, or second-guess refund decisions for these transactions. Apple's decision on any refund request is final.

How to Request: Please contact Apple Support directly through your device or visit Apple's Purchase Support page.

Apple's Policies: Your request will be subject to Apple's own App Store refund policy.

Purchases Made Through Google Play Store

All payments and refund requests for subscriptions or in-app purchases made on Android devices are managed exclusively by Google. We cannot process, override, or second-guess refund decisions for these transactions. Google's decision on any refund request is final.

How to Request: Please contact Google Play Support directly through the Play Store app or visit Google Play Help.

Google's Policies: Your request will be subject to Google's own Google Play refund policy.

Purchases Made Directly Through Our Website

For any purchases made directly on our website, incumental.com, the following terms apply.

Request Method: Submit a detailed request to team@incumental.com within the eligible timeframe, including your full name and proof of purchase (transaction ID).

Our Review: We will review requests on a case-by-case basis in good faith, typically within 14 business days.

Refund Eligibility Criteria (Direct Website Purchases)

For direct purchases, we will consider refund requests in good faith under the following circumstances:

Technical Failure: The paid feature or Service is completely inaccessible or non-functional due to a verifiable technical fault on our end, and standard troubleshooting fails to resolve it.

Duplicate or Unauthorized Charge: You provide clear evidence of an unintended duplicate transaction or a charge made without your authorization.

Statutory Right: Your request is a valid exercise of a statutory right as outlined in Section 7.

Non-Refundable Situations & Important Disclaimers:

Change of mind after accessing and using the purchased content.

Dissatisfaction with personal progress, outcomes, or lack of relapse prevention.

Failure to cancel a subscription before its renewal date.

Month-to-month (or other period) subscriptions are not refunded on a pro-rata basis for partial periods.

Refund requests made outside of any applicable statutory or policy timeframes.

Chargeback Policy: Do not skip our defined refund process by initiating a bank or credit card chargeback for an unauthorized transaction. First, contact us at team@incumental.com. Initiating a fraudulent or improper chargeback may result in the termination of your service access and additional collection efforts.

Statutory Refund Rights & Jurisdiction-Specific Terms

Your legal rights may grant you refund entitlements beyond our standard policy. The following outlines key rights by jurisdiction.

For Consumers in the European Economic Area (EEA) & United Kingdom (UK)

Right of Withdrawal: You have a legal 14-day right of withdrawal from the date of any direct purchase (not via an app store) for a full refund, without giving any reason. To exercise this right, you must inform us of your decision via email before the period ends.

Exception for Digital Content: If you have explicitly consented to the immediate start of performance (e.g., accessing a premium feature) and acknowledged you will lose your right of withdrawal upon starting, this 14-day right may not apply. By purchasing and using a paid feature, you provide this consent.

Faulty Service: If the Service is faulty, not as described, or not fit for purpose, you have the right to a repair, replacement, price reduction, or refund under the UK Consumer Rights Act 2015 and EU consumer protection laws.

For Consumers in Australia

Australian Consumer Law (ACL): Our services come with guarantees under the ACL that cannot be excluded. If our Service has a major failure (e.g., is not fit for its intended purpose, has a problem that would have stopped you from buying it had you known), you are entitled to a refund. You are also entitled to a repair or replacement if the problem is minor.

For Consumers in Canada

Provincial Consumer Protection Acts: Your rights to cancel an "internet agreement" or "distance contract" and receive a refund are governed by the consumer protection legislation of your province or territory (e.g., Ontario's Consumer Protection Act, 2002). These laws may provide specific cancellation windows and conditions that take precedence over our general policy.

Processing Approved Refunds

Timeline: If a refund is approved for a direct website purchase, we will process it within 14 business days of approval.

Method: The refund will be issued to the original payment method.

Notification: You will receive an email confirmation once the refund is processed.

Contact Us

For questions about this policy, to exercise a statutory right, or to request a refund for a direct website purchase:

Email: team@incumental.com

For all App Store or Google Play purchases, you must contact the respective platform support as detailed in Section 5.