Refund Policy

This Refund Policy governs the refund process for services provided by Ohmyfin Limited, company registered by laws of the United Kingdom with the company number 15431563 with registered address: 275 New North Road, Islington Suite 1422, London, England, N1 7AA, ("the Service") and applies to all users who have purchased a subscription, credits, or made a payment for our services.

1. Refund Eligibility

Users may be eligible for a refund under the following circumstances:

• If the user has encountered a technical issue preventing them from accessing or utilizing the Service.
• If the user has been erroneously charged for a subscription or service.

1A. Your Right of Cancellation (Consumer Customers)

If you are a consumer (purchasing for personal, non-business use), you have the right to cancel your purchase within 14 days of the date of purchase and receive a full refund, subject to the following:

• Credits already used: The refund will be reduced by the value of any credits consumed during the 14-day period.
• Subscription services used: If you have accessed subscription services during the 14-day period, the refund will be reduced proportionally to reflect the services received.
• Digital content acknowledgment: By purchasing credits or subscribing and using the service before the 14-day period expires, you acknowledge that each use of a credit or service reduces your refund entitlement.

To exercise your right of cancellation, contact us via our contact page within 14 days of your purchase.

This right does not apply to business customers who have confirmed they are purchasing for business purposes.

2. Refund Procedure

To request a refund, users must contact our support team through the contact page and provide relevant details regarding the reason for the refund request.

Refund requests will be evaluated on a case-by-case basis, and decisions regarding refunds will be made at our discretion.

3. Subscription Refunds

For users with a subscription, refunds will not be provided for the current billing period. Refunds may be issued for subsequent billing periods upon request.

4. Credit Refunds

Credits purchased through our credit system are subject to the cancellation rights described in Section 1A above. Outside the 14-day cooling-off period, credits are non-refundable except in the circumstances described below. This includes:

• Credits that have been consumed or used for services.
• Unused credits within their 12-month validity period.
• Credits that have expired due to the 12-month expiration policy.

Refunds for credits may only be considered in exceptional circumstances, such as:

• Technical errors resulting in incorrect credit deduction.
• Erroneous charges for credit purchases.
• Service unavailability that prevents the use of purchased credits.

All credit refund requests will be evaluated on a case-by-case basis at our sole discretion.

5. Refund Limitations

We reserve the right to deny refund requests if we determine that the user has violated our Terms and Conditions or engaged in fraudulent or abusive behavior.

6. Legal Compliance

This Refund Policy is governed by the laws of the United Kingdom. Any disputes arising from or related to this Refund Policy shall be subject to the exclusive jurisdiction of the courts of the United Kingdom.

Your statutory rights under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 are not affected by this Refund Policy.

By using our services and agreeing to this Refund Policy, users acknowledge and accept the terms and conditions outlined herein.

Last updated: February 1st, 2026.