Effective date : 21 August 2025
Except where a refund is required by law or expressly granted under this Policy, all charges are final and non-refundable once processed.
1-bis. Scope of this Policy – Subscription Charges Only
This Money-Back Policy applies exclusively to Kardynal membership fees (the initial charge and subsequent renewals).
Any funds deposited onto your Kardynal prepaid card are electronic money (e-money) issued by Park Card Services Ltd. Kardynal does not refund, redeem, or exchange this e-money.
To redeem an outstanding balance on your Card, please refer to the Cardholder Agreement and contact the Issuer directly. Redemption is subject to the Issuer’s terms, regulatory limitations, and ID verification requirements.
We want new members to try Kardynal risk-free. If you are dissatisfied after the first paid subscription charge, you may request a full refund within 30 days of that payment, provided all conditions below are met.
Email help@kardynal.ai within 30 days of the first billing. Requests must be made before the end of your second billing cycle (14-day cycles).
• Email used at sign‑up • Last 4 digits of the funding card • Date & amount of the payment • Short explanation (technical issue, not as advertised, etc.). Screenshots helps.
Applies only to your first paid charge per customer/household. Renewals are excluded.
Your account must be in good standing (no chargebacks, fraud, or Terms violation).
We review all requests in good faith and respond within five (5) UK business days.
• Forgotten to cancel before renewal.
• Requests relating to Card deposits or card spending.
• Multiple money-back requests from the same user or household.
• Abuse, fraud, or chargeback threats.
These cases may still fall under your statutory withdrawal rights (see Section 5), but they are not covered by our voluntary guarantee.
Approved refunds are returned to the original payment method.
We process refunds within five (5) business days of approval. Your bank may take 10–15 days to post it.
If you reside in the UK or EU, you have a legal right to withdraw from your Kardynal subscription contract within 14 days of the first charge, without giving a reason.
How to exercise:
Email help@kardynal.ai with a clear statement:
“I hereby withdraw from my Kardynal contract.”
Include your full name and the date of your first charge.
You may also use the model form below.
Refund timing
We will reimburse all payments within 14 days of receiving your withdrawal notice, via the original payment method, with no fees.
Important: If you requested immediate access to the Service and acknowledged this, we may deduct a pro-rata amount for days of use.
Model Withdrawal Form (optional):
To : APH Services LLC –help@kardynal.ai
I/We \[] hereby withdraw from my/our contract for Kardynal.
Ordered on / first paid on: \[]
Name : \[]
Address : \[]
Signature (if on paper) : \[]
Date : \[]
Please contact us first—help@kardynal.ai—before initiating a chargeback. We can usually resolve your issue more quickly and without bank dispute fees.
Fraudulent or unjustified chargebacks may lead to account termination and refusal of future subscriptions.
Reminder for US users: To stop future charges, please cancel directly via your account dashboard or by emailing us.
We may amend this Policy. Updates will appear here with a new “Effective date.”
If the change materially limits your refund rights, we will notify active members by email or site banner.
Kardynal – APH Services LLC
16192 Coastal Highway, Lewes, DE 19958, USA
✉ Email : help@kardynal.ai
📞 +44 7445 916608
This number is an automated help line with self-service information about trials and cancellations. For personalised assistance, please email us.
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