Refund Policy

EFFECTIVE DATE: MARCH 13, 2026 · LAST UPDATED: MARCH 13, 2026

Factoz is a digital software-as-a-service (SaaS) platform. Because access to the platform is granted immediately upon payment and the service is delivered digitally, all subscription payments are non-refundable except in the limited circumstances described below.

1. ALL SALES ARE FINAL

Once a subscription payment is processed and platform access is granted, no refund will be issued for the current billing period. This applies to all plans (Creator and Pro) regardless of usage level during that period.

We encourage you to take full advantage of any free trial period before subscribing to evaluate whether Factoz meets your needs.

2. SUBSCRIPTION CANCELLATIONS

You may cancel your subscription at any time through your payment provider (Whop or NowPayments). Upon cancellation:

Your access continues until the end of the current paid billing period.
You will not be charged for subsequent billing cycles.
No pro-rated or partial refunds are issued for unused days remaining in the billing period.

3. EXCEPTIONS — WHEN A REFUND MAY BE ISSUED

Refunds may be considered exclusively in the following circumstances:

Duplicate charge: You were billed more than once for the same billing period due to a technical error.
Unauthorized charge: A payment was made without your authorization and reported within 7 days of the charge.
Service unavailability: The platform was completely inaccessible for more than 72 consecutive hours during your paid period due to our infrastructure failure.
Legal requirement: Applicable law in your jurisdiction mandates a refund right that cannot be waived.

All refund requests must be submitted within 7 days of the disputed charge. Requests submitted after this window will not be considered.

4. HOW TO REQUEST A REFUND

To submit a refund request, email us at billing@factozcentral.com with the following information:

Your registered email address
The date and amount of the charge
Your payment provider (Whop or NowPayments) and transaction/invoice ID
A brief description of the reason for your request

We will respond within 3 business days to acknowledge your request.

5. PROCESSING TIME

If a refund is approved, it will be processed within 5–10 business days. Refunds are returned to the original payment method. Crypto refunds (NowPayments) are returned in the same cryptocurrency at the exchange rate at the time of refund processing; Factoz is not responsible for exchange rate fluctuations.

6. GOVERNING LAW

This Refund Policy is governed by the laws of the Republic of Panama. Any disputes shall be resolved in the competent courts of Panama City, Panama.