Refund Policy

This Refund Policy explains how Home Vault handles refund requests for paid subscriptions. By subscribing to Home Vault you confirm that you have read, understood, and accepted the terms below. This policy is aligned with the Buyer Terms of our Merchant of Record, Paddle.

1. Try before you pay

Every new Home Vault account includes a 14-day free trial with no credit card required. The trial gives you full access to the entire app so that you can evaluate the Service before committing any money.

2. 14-day refund guarantee

If you are not satisfied with your subscription, you may request a full refund within 14 days of the original purchase date — no questions asked. This applies to:

• Your first payment on a new monthly or annual subscription, including the first payment after a free trial converts to paid.
• A subscription renewal, if requested within 14 days of that renewal's charge date.

Once a refund is approved, your subscription will end immediately and access to the paid features will be removed.

3. After the 14-day window

Outside the 14-day refund window, all sales are final and non-refundable. We do not offer refunds, credits, or pro-rata adjustments for:

• Unused time remaining on a current billing period after cancellation.
• Periods during which you did not actively use the Service.
• Renewals more than 14 days old that you forgot to cancel.
• Features being added, removed, or modified during your subscription.

4. How cancellation works

You can cancel your subscription at any time via the customer portal accessible from your account settings, or by emailing us at support@homevault.money. On cancellation, your subscription will remain active until the end of your current paid period, after which it will not renew. Cancellation alone does not trigger a refund — to receive a refund within the 14-day window, see Section 5.

5. How to request a refund

Email support@homevault.money within 14 days of the charge with the following:

• The email address on your Home Vault account.
• The Paddle order number or transaction ID.
• The date and amount of the charge.

We aim to respond to refund requests within 5 business days. Approved refunds are processed by Paddle via the original payment method and may take a further 5–10 business days to reflect, depending on your bank or card issuer. Refunds are issued in the original currency of the charge.

6. Exceptions outside the 14-day window

Even outside the 14-day window, we may grant a refund (at our discretion) in the following circumstances:

• Duplicate or accidental charges — if you have been charged twice for the same subscription period due to a technical error.
• Unauthorised payments — if a charge was made on your payment method without your authorisation (subject to verification).
• Material service failure — if a critical defect in the Service prevents normal use for an extended period and we are unable to resolve it after being given a reasonable opportunity to do so.
• Statutory rights — where a refund is required by consumer protection law in your jurisdiction (see Section 7).

7. Statutory consumer rights

Nothing in this policy is intended to limit any non-waivable rights you may have under the consumer protection laws of your country of residence (including but not limited to the South African Consumer Protection Act, the EU Consumer Rights Directive, the UK Consumer Rights Act, or equivalent laws). Where mandatory local law grants you a stronger right than the policy above, that local law will apply.

8. Chargebacks

We ask that you contact us at support@homevault.money before initiating a chargeback with your bank or card issuer. In almost all cases we can resolve billing issues directly and more quickly. We reserve the right to suspend the account of any user who initiates a fraudulent or unjustified chargeback.

9. Payments and Merchant of Record

Subscription payments are processed by Paddle, our authorised reseller and Merchant of Record. Paddle handles billing, tax compliance, and refund processing on our behalf. Paddle's Buyer Terms also apply to your purchase and can be found at paddle.com/legal/checkout-buyer-terms.

10. Changes to this policy

We may update this Refund Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Material changes will be communicated by email to active subscribers. The version in effect at the time of your purchase governs that purchase.

11. Contact

Questions about this policy? Email us at support@homevault.money.