The following text is the English translation of the legal documents for informational and international compliance purposes.

Cancellation and Refund Terms

1. General Refund Policy

Formuloto.com provides a digital SaaS (Software) service. The plans offered on the platform (Silver, Gold, Diamond) fall under the category of intangible services provided for consumption in a digital environment, which are executed immediately upon payment confirmation and whose delivery can be verified via system request logs. Therefore, due to the nature of the service, no refunds are issued for any purchased plans.

2. Exception to the Right of Withdrawal

The User (Buyer) explicitly and definitively accepts, declares, and undertakes that the performance of the service begins the moment the payment transaction is completed. Consequently, there is no right of withdrawal within the scope of "immediately performed services" in accordance with Law No. 6502 on the Protection of Consumers, the US Uniform Commercial Code (UCC), and international digital trade laws.

3. Plan Changes and Refund Requests

• Incorrect Plan Selection: The Buyer selecting the wrong plan or deciding to stop using the system does not entitle them to a refund.
• Plan Downgrade: Switching to a lower-tier plan (e.g., from Diamond to Gold, Gold to Silver, or from these to the Free plan) during an active subscription period is not permitted. No refunds or credit for the price difference will be issued for such requests. Users wishing to downgrade must wait for their current period to expire and for their account to transition to the "Free" plan.
• Plan Upgrade: During upgrade transactions, the remaining time is credited to the new plan; no refund process is initiated for the previous plan.

4. Subscription Cancellation and Automatic Renewal

• Cancellation Process: The User may stop their subscription renewal at any time through the user panel. Upon cancellation, previously collected fees are not refunded; however, no new charges will be processed for the subsequent period.
• Service Access: In the event of a cancellation, the Buyer continues to have access to all plan features until the end of the paid period. At the end of the term, the account is automatically downgraded to the "Free" plan.
• Price Updates: Users who do not accept price changes to be applied during renewal periods are responsible for cancelling their subscription before the renewal date. Updated amounts charged for non-cancelled subscriptions are not subject to refund.

5. Unjustified Dispute and Chargeback Policy

Bad Faith Payment Disputes: In cases where unjustified credit card chargebacks are initiated despite system logs confirming the delivery of the digital service:

• Defense costs and any resulting penalty fees incurred with Stripe and the bank will be claimed from the user.

6. Payment Failure and Technical Circumstances

• Smart Retries: In instances where a payment fails due to insufficient limits or similar reasons, successful collections resulting from the system's automatic retry attempts are considered the "performance of an overdue debt" and are non-refundable.
• Force Majeure: Personal health conditions, death, or technical infrastructure issues do not grant a right to a refund. In the event of death, the cancellation of the payment method (credit card, etc.) is the responsibility of the heirs; the system continues to provide the service as long as the card remains active.

7. Legal Jurisdiction and Limitation of Liability

• For any disputes arising from these Cancellation and Refund Terms, the North Dakota (USA) Arbitration Clause and Limitation of Liability provisions set forth in the Distance Sales Agreement shall apply.
• The Seller's total financial liability in any potential dispute shall under no circumstances exceed the total amount paid by the Buyer in the last 12 months.
• Since the performance of the service in a digital environment is established by system records, the Buyer will be held liable for all costs, penalties, and legal expenses incurred by the Seller as a result of unfair or bad-faith chargebacks.