Refunds and withdrawal
Cancellation and Refund Policy
1. Scope
This policy applies to paid digital products, courses, memberships, templates, document-explanation products, and education sessions sold by Altoria FinSys d.o.o. under the Daniel Budak public author brand.
2. Payment providers
Refunds are processed through the original payment method where possible. Stripe Payment Links are the primary launch checkout path. PayPal should be enabled only once equivalent refund, order-export and legal-acceptance handling is ready. Wise is business banking infrastructure and not a public consumer checkout method.
3. EU right of withdrawal
If you are an EU consumer, you generally have a 14-day withdrawal period for distance contracts. Some exceptions may apply to digital content and services when you explicitly ask for immediate access or immediate performance and acknowledge the legal consequence before checkout.
4. Digital products
| Situation | Draft policy |
|---|---|
| No immediate-access waiver collected | You may withdraw within 14 days unless the law provides another exception. |
| Immediate digital access requested and legal acknowledgement collected | Withdrawal rights may end once delivery starts. The checkout must include separate wording for this. |
| Broken, inaccessible, or materially defective file | We will repair, replace, or refund as required by law and fair practice. |
| Duplicate accidental purchase | Contact us quickly; duplicate purchases should be refunded where no abuse is present. |
5. Education sessions and document explanations
| Situation | Draft policy |
|---|---|
| Cancellation more than 24 hours before a scheduled session | Full refund or one free reschedule. |
| Cancellation less than 24 hours before a scheduled session | One reasonable reschedule where possible; refund may be reduced for preparation already performed. |
| No-show | No automatic refund, except where mandatory consumer law requires otherwise. |
| Session starts within the 14-day withdrawal period | Checkout must ask the user to request immediate performance. If the user withdraws after partial performance, a proportionate amount may be retained where legally allowed. |
| Service fully performed within the 14-day period after explicit request and acknowledgement | Withdrawal rights may end after full performance if the required legal acknowledgement was collected before performance started. |
| We cannot deliver the session or service | Full refund or mutually agreed replacement date. |
6. Subscriptions and memberships
If subscriptions or paid memberships are launched, users must be able to cancel future renewals before the next billing period. Cancellation stops future charges but does not automatically refund already delivered access unless the law or checkout offer says otherwise.
7. How to request cancellation or refund
Email info@altoria.hr with your name, order email, payment provider, product, purchase date, and reason. We may ask for additional information to locate the transaction.
Refunds through Stripe or another enabled payment provider may take several business days after approval, depending on the provider and your bank.
8. Model withdrawal form
I hereby withdraw from the contract for the following product/service: name the product or session.
Ordered on: add purchase date.
Customer name: add name.
Customer address/email: add address or order email.
Date: add request date.