Refund Policy

What this policy covers

This policy applies to one-time purchases from Best Finance Calc: editable Excel workbooks (US$10 each) and Excel or CSV exports of calculator studies (US$1.99 per export). There are no recurring subscriptions for these products. Purchase availability is shown in the shop. Sandbox transactions are tests and do not charge money.

Our 14-day refund guarantee

Our 14-day full-refund guarantee covers genuine dissatisfaction, including downloaded or opened files. Downloading, opening or requesting a refund does not by itself indicate abuse. We may verify the purchase and refer documented evidence of fraud, refund abuse or manipulation to Paddle for individual review under its Refund Policy. This is not an automatic denial and never overrides mandatory consumer rights. We do not require confidential study data to assess a request.

How to request a refund

Email contato@diretorioai.com with the subject “Best Finance Calc refund”, the email used at checkout and your order or transaction ID. If you cannot find the ID, send the approximate purchase date and product name so we can help locate the purchase. For a Paddle purchase, you may also request a refund at paddle.net or through the support link in your receipt. A technical explanation or screenshot is optional; do not send card numbers, passwords or confidential financial records.

Delivery problems, duplicate charges and defects

Contact us if a file is missing, corrupt, different from its description or unusable in the software compatibility stated before purchase, or if you were charged twice for the same order. We can help restore delivery, correct the file or arrange the appropriate refund. You do not have to accept a replacement instead of a refund covered by the 14-day guarantee or applicable law. After 14 days, we still review these issues and honor any applicable legal rights.

How the money is returned

For purchases completed through Paddle, Paddle is the authorized reseller and Merchant of Record and processes the refund. We will arrange eligible refunds through Paddle. Funds normally return through the original payment method where possible; the time they appear depends on Paddle, the payment method and your bank. Check your receipt and Paddle support for the status. No store credit is required in place of an eligible monetary refund.

After a refund

Stop using the refunded workbook or exported report and delete your copies. We may disable further downloads for that refunded purchase. This does not affect the free calculator or other purchases you have kept.

Your rights and policy updates

Nothing here limits mandatory consumer rights or lawful payment-dispute rights. If applicable law grants a longer period or stronger remedy, it applies. Paddle’s Buyer Terms and Refund Policy also apply to Paddle transactions; our additional 14-day guarantee remains available. The version of our policy displayed when you purchased governs that purchase. Later changes do not reduce rights already granted.

Fair use and documented abuse

This clarification applies to purchases made after this version was published on 9 November 2026. Earlier purchases retain the policy and promises offered at purchase, including the previous unconditional 14-day guarantee.

If a refund is approved, the license for that purchase ends. Stop using the refunded file and delete your copies. Further downloads may be disabled; we cannot remotely erase a file already saved on your device.