Refund Policy

1. Introduction

This Refund Policy explains the conditions under which SMARTFIND may offer refunds, credits, or billing adjustments for digital subscriptions, one-time reports, premium features, and other paid services.

SMARTFIND primarily provides digital products, subscription services, AI-generated tools, informational reports, and housing preparation resources.

Because many SMARTFIND products are digital and may be delivered immediately, refund rights may be limited depending on:

• product type
• delivery status
• jurisdiction
• consumer protection laws
• subscription terms
• payment provider requirements

By purchasing SMARTFIND products or services, users agree to this Refund Policy.

2. General Refund Principles

SMARTFIND may provide refunds when:

• A duplicate payment occurred
• A technical error prevented delivery
• Billing was unauthorized
• A payment processor error occurred
• A subscription was charged incorrectly
• Applicable law requires refund rights
• SMARTFIND determines a refund is commercially appropriate

3. Subscription Refunds

3.1 Monthly or Recurring Plans

Users may cancel future renewals at any time. Generally:

• Access remains active through the paid billing cycle
• No prorated refund for unused time unless legally required
• Future charges stop after cancellation
• Refunds for already billed periods may be limited

3.2 Annual Plans

Annual plans may have additional refund restrictions depending on jurisdiction, promotional pricing, contract terms, and mandatory legal rights.

3.3 Free Trials

If a free trial converts into a paid plan after disclosed trial expiration, charges may be considered valid unless otherwise required by law.

Users are responsible for canceling before trial expiration.

4. One-Time Digital Products

Examples include:

• Rental Trust Report
• Alternative Trust Report
• PDF application package
• profile optimization
• AI-generated landlord letter
• readiness score
• premium housing report
• audit services

5. EU / Germany Consumer Rights

Users in the European Union or Germany may have statutory withdrawal rights for certain purchases.

For digital content or digital services delivered immediately, users may be asked to:

• expressly consent to immediate delivery
• acknowledge that withdrawal rights may be reduced or waived after service begins

6. No Guarantee-Based Refunds

SMARTFIND does not guarantee:

• housing approval
• landlord acceptance
• apartment acquisition
• rental contract success
• SCHUFA equivalence
• official legal recognition
• financial outcomes

Refund requests based solely on landlord rejection, unsuccessful applications, unavailable apartments, market conditions, or external housing barriers may generally be denied.

7. Third-Party Services

Refunds do not cover third-party purchases made through:

• SCHUFA providers
• insurance providers
• relocation services
• banks
• guarantor services
• external marketplaces

Users must resolve third-party refund issues directly with the relevant provider.

SMARTFIND may receive affiliate compensation but is not responsible for third-party billing or refund obligations.

8. Fraud, Abuse, and Chargebacks

SMARTFIND may deny refunds and suspend services if:

• fraudulent activity is detected
• false claims are submitted
• payment abuse occurs
• manipulated reports are used
• chargeback abuse is identified
• account misuse is detected

Unauthorized chargebacks may result in account termination, billing disputes, collections, legal action, or loss of future access.

9. Refund Request Procedure

To request a refund, users should contact:

Email: [Email]

Include:

• Full name
• Account email
• Purchase date
• Payment amount
• Product purchased
• Reason for request
• Payment method
• Relevant transaction ID

SMARTFIND may request additional verification.

10. Refund Review Timeline

SMARTFIND aims to review eligible refund requests within a commercially reasonable timeframe.

Actual processing time may depend on payment provider, fraud checks, jurisdiction, and complexity of request.

Refund processing times may vary.

11. Refund Method

Approved refunds are generally returned through the original payment method where feasible.

SMARTFIND may alternatively provide account credits, partial refunds, promotional credits, or billing adjustments where legally and commercially appropriate.

12. Partial Refunds

SMARTFIND may, at its discretion, offer partial refunds where:

• partial service failure occurred
• technical interruptions significantly reduced value
• billing errors partially impacted service
• promotional disputes justify adjustment

13. Service Interruptions

Temporary service outages, maintenance, or technical issues do not automatically entitle users to refunds unless legally required or materially harmful beyond reasonable service expectations.

14. Policy Changes

SMARTFIND may update this Refund Policy periodically.

Changes may reflect legal developments, product changes, billing practices, market conditions, and operational updates.

Updated versions will be published with revised effective dates.

15. Governing Law

This Refund Policy is governed by the laws of [Jurisdiction], subject to mandatory consumer rights protections in applicable countries.

16. Contact Information

17. Important Legal Disclaimer

SMARTFIND is a digital housing preparation and informational platform.

SMARTFIND products are not:

• official SCHUFA reports
• legal guarantees
• financial guarantees
• rental guarantees
• landlord guarantees
• guaranteed pathways to housing