Refund & Cancellation Policy
1. Plans this policy covers
cyber.koscak.ai offers a Free plan (10 scans, no payment) and two paid subscription plans billed via Stripe: €42/month and €432/year. Both paid tiers unlock the same features; the annual plan is a prepaid discount versus twelve monthly payments.
2. Cancel anytime
- You can cancel your subscription at any time from your account dashboard or by emailing hello@koscak.ai.
- Cancellation stops future renewal charges. You keep full paid access until the end of the period you already paid for - we do not cut off access mid-period.
- No cancellation fee.
3. No partial refunds for used periods
Because access is granted immediately for the full billing period, we do not issue partial or pro-rated refunds for a month or year you have already started using. If you cancel on day 3 of a monthly period, you keep access through day 30 - not a refund for days 4-30.
4. EU 14-day right of withdrawal - and the waiver
Under EU Directive 2011/83/EU (transposed into Slovak law), consumers in the EU normally have a 14-day right of withdrawal for goods and services purchased online, with no reason required.
For digital services delivered immediately, this right can be waived. When you subscribe to a paid plan, you are asked to give express consent for the service to begin immediately and to acknowledge that you lose your 14-day withdrawal right once the service has started / been used (Art. 16(m) of the Directive; §7(6) Slovak Act No. 102/2014 Coll. on consumer protection in distance contracts, or successor provision).
- If you subscribe and do not use the paid features (no scans run beyond the free tier, no dashboard access to paid-only data) within 14 days, you may request a full refund by withdrawing under this right.
- If you use the paid service (run a paid-tier scan, access paid-only reports) after giving consent, the withdrawal right is considered exercised/waived for that period per your consent at checkout, consistent with Art. 16(m).
- This does not remove your other statutory consumer rights (e.g. right to a working, as-described service).
5. Free plan
The Free plan (10 scans) requires no payment, so there is nothing to refund. You may stop using it at any time.
6. Billing errors and duplicate charges
If you believe you were charged in error, charged twice, or charged after a cancellation that should have taken effect, email hello@koscak.ai with your order/subscription id. We investigate against the Stripe ledger and refund confirmed errors in full.
7. How to cancel - step by step
- Sign in and open your account/subscription settings.
- Select "Cancel subscription" and confirm.
- You'll receive a confirmation email; access continues until the current paid period ends.
- No dashboard access? Email hello@koscak.ai with the account email and we will process it manually.
8. Related policies
See also our Terms of Service and Acceptable Use Policy for the scope of what the service does and does not do.