Refund and Cancellation Policy
This Cancellation & Refund Policy applies to paid digital memberships purchased through CardRestorers (“CardRestorers”, “we”, “us” or “our”).
CardRestorers memberships provide access to digital features and services available through our website, which may include, but are not limited to, job tracking tools, resource guides, vendor tools, member-only features and other digital resources.
Because membership provides access to digital services immediately after purchase, different considerations apply to our memberships than would apply to physical products.
1. Membership Cancellation
You may cancel your CardRestorers membership at any time, subject to the terms of your membership and applicable consumer law.
When a membership is cancelled, access to paid membership features will be revoked immediately unless we are required by law to provide access for a particular period.
Cancellation will prevent future membership charges from being taken where applicable. However, cancellation does not automatically mean that the full amount previously paid will be refunded.
If you have already received access to the membership services, any refund will take into account the period for which the membership services have already been supplied.
2. Refunds Following Cancellation
Where a refund is available, CardRestorers will generally calculate the refund on a pro-rata basis, taking into account the proportion of the applicable membership period that has already elapsed.
For example, if you purchase a 12-month membership and cancel after 3 months, the amount attributable to the period during which your membership was available may be retained, with the remaining unused portion considered for refund.
Similarly, where a monthly membership is cancelled part-way through a billing period, any refund will generally be calculated based on the unused portion of that membership period, where a refund is applicable.
The precise refund amount may therefore depend on:
- the membership plan purchased;
- the price paid;
- the date the membership began;
- the date cancellation was requested;
- the amount of the membership period already supplied; and
- whether any statutory cancellation or refund rights apply.
We will not charge an additional cancellation or administration fee unless permitted by applicable law.
3. Digital Services and Immediate Access
Membership access may begin immediately following purchase.
By purchasing a CardRestorers membership and requesting or accepting immediate access to the membership features, you acknowledge that digital services may be supplied before the end of any applicable statutory cooling-off period.
Where required by law, we will obtain your express consent for the service to begin immediately and your acknowledgement of the consequences this may have for your statutory right to cancel.
Where you cancel after the supply of the membership service has begun, you may be responsible for the proportion of the service that has already been supplied, and any refund may therefore be reduced accordingly.
Nothing in this policy is intended to remove or restrict any consumer rights that cannot legally be excluded.
4. Statutory Consumer Rights
Nothing in this policy affects your statutory rights under applicable UK consumer protection legislation.
If the CardRestorers service is not provided as described, is not of satisfactory quality where applicable, or otherwise fails to meet rights provided to you by law, you may have additional rights to a remedy, which may include a refund.
Where you have a statutory right to cancel or obtain a refund, that right will take precedence over the terms of this policy.
5. How to Request a Cancellation or Refund
To cancel your membership or request a refund, please use the cancellation method provided through your CardRestorers account or contact us through the contact details provided on the CardRestorers website.
Please provide:
- your name;
- the email address associated with your CardRestorers account;
- the membership you purchased; and
- the reason for your refund request, where applicable.
We may need to verify your account and purchase details before processing a refund.
6. Refund Processing
Where a refund is approved, we will normally issue it to the original payment method used for the purchase.
Once a refund has been processed by CardRestorers, the time taken for the funds to appear in your account may depend on your payment provider, bank or card issuer.
7. Refunds Are Not Automatic
Cancelling a membership does not automatically create an entitlement to a full refund.
Because CardRestorers memberships provide immediate access to digital services and resources, the amount of any refund may depend on how much of the membership service has already been supplied.
However, this does not affect any statutory right you may have to cancel or receive a refund under applicable consumer law.
8. Exceptional Circumstances
We may, at our discretion, provide a full or partial refund outside the circumstances described above where there are exceptional circumstances or where we believe doing so is appropriate.
Any discretionary refund provided in one instance does not create an obligation to provide the same refund in future circumstances.
9. Changes to Membership Services
CardRestorers may occasionally update, improve or replace features included within a membership.
Where a significant change materially affects the membership service you have purchased, we will consider your rights and any remedies that may apply under applicable law.
10. Contact
If you have any questions about cancellation or refunds, please contact CardRestorers through the contact details provided on our website.