Refund & Cancellation

Monthly subscriptions, cancel anytime

Peco subscriptions run monthly. You can cancel at any time through the Stripe customer portal — access remains until the end of the paid period. No automatic renewal after cancellation.

Portal access: Account settings → "Manage subscription".

14-day goodwill on first purchase

Digital services are excluded from the EU right of withdrawal once performance begins (Art. 16 lit. m Consumer Rights Directive). We nevertheless offer a voluntary goodwill policy:

Within the first 14 days after first purchase, you may request a full refund, provided that:

• fewer than 3 plans have been generated,
• fewer than 100 chat messages have been sent, and
• the request is sent in writing to hello@peco-coach.com.

This policy applies only to the first subscription, not to renewals or re-subscriptions.

No pro-rata refund mid-period

On cancellation mid-billing-period, we do not refund the unused portion. Instead, you keep full access until the end of the paid period.

Refunds for service defects

For demonstrable, severe technical defects lasting more than 48 consecutive hours and affecting core functionality (plan generation or coach chat), we refund the affected billing period pro-rata.

Third-party outages (Anthropic, Stripe, Vercel, Supabase) do not qualify as defects under this clause.

How to request a refund

1. Email hello@peco-coach.com with subject "Refund request".
2. Include in the body: account email, tier, Stripe invoice ID (from confirmation email).
3. We review within 5 business days and respond by email.
4. If approved: refund issued via Stripe to the original payment method within 5–10 business days.
5. Access is automatically deactivated when the refund is processed.

Exclusions

• No refund in case of violation of the Terms of Service (e.g. scraping, multi-accounts, reselling).
• In case of fraudulent chargebacks (without prior contact), we reserve the right to take legal action.
• Repeated refund requests by the same customer will be reviewed and may be denied.
• Plans, tasks, and chat history cannot be restored after refund — export important data first via Settings (JSON export).