Refund Policy

1. Overview

At Construction Loan Calculator Pro, we strive to provide valuable digital services and tools for construction loan calculations and financial planning. This Refund Policy outlines the terms and conditions under which refunds may be provided for our paid services.

2. Digital Services Nature

Our services are primarily digital in nature, including:

• Online construction loan calculators and tools
• Premium calculation features and reports
• Educational content and guides
• Consultation services
• Subscription-based premium features

As these are virtual products and services that are consumed immediately upon access, special refund considerations apply.

3. Refund Eligibility

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

4. Refund Process

To request a refund:

1. Contact our support team at refunds@constructionloancalculator.pro
2. Include your order number, purchase date, and reason for refund request
3. Provide any supporting documentation if applicable
4. Allow up to 5-7 business days for review and response
5. If approved, refunds will be processed within 10-14 business days

5. Refund Methods

Refunds will be processed using the same payment method used for the original purchase. For payments processed through our payment provider (Creem.io), refunds may take additional time to appear in your account depending on your bank or payment provider.

• Credit/Debit Cards: 5-10 business days
• PayPal: 3-5 business days
• Bank Transfers: 7-14 business days

6. Subscription Services

For subscription-based services:

• Cancellations within 24 hours of initial subscription are eligible for full refund
• Monthly subscriptions can be cancelled at any time with no refund for the current billing period
• Annual subscriptions may be eligible for prorated refunds within the first 30 days
• No refunds are provided for subscription downgrades

7. Consultation Services

For paid consultation services:

• Cancellations made 24+ hours before scheduled consultation: Full refund
• Cancellations made less than 24 hours before: 50% refund
• No-shows without prior cancellation: No refund
• Consultation rescheduling is allowed once without penalty

8. Partial Refunds

In certain circumstances, we may offer partial refunds:

• Service interruptions affecting a portion of the billing period
• Prorated refunds for subscription cancellations (annual plans only)
• Goodwill refunds for exceptional circumstances

9. Chargeback Policy

We encourage customers to contact us directly before initiating chargebacks with their payment providers. Chargebacks may result in:

• Immediate account suspension
• Loss of access to all services
• Additional processing fees
• Permanent ban from future services

10. Exceptional Circumstances

We may consider refunds outside of this policy for exceptional circumstances such as:

• Documented medical emergencies
• Fraud or unauthorized transactions
• Service failures on our part
• Legal requirements in your jurisdiction

Each case will be reviewed individually and decisions are at our sole discretion.

11. Contact Information

For refund requests or questions about this policy:

12. Policy Changes

We reserve the right to modify this Refund Policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the new policy.