Refund Policy

Effective Date: 1 May 2026 Last Updated: 30 July 2026

This Refund Policy explains the rules for refunds on digital products and subscriptions purchased from Global Ink Alliance Ltd ("GIA", "we", "us").

This Policy is part of our Terms of Service and is governed by EU consumer protection law (Consumer Rights Directive 2011/83/EU), the UK Consumer Contracts Regulations 2013, and the rules of the Apple App Store and Google Play.

In plain English: If you buy a subscription or course on GIA, here's when you can get your money back.

1. Where You Bought Determines the Rules

2. Web Purchases — 14-Day Cooling-Off Right (EU / UK)

If you are a consumer in the EU or UK, you have a statutory right to cancel a purchase of digital content within 14 calendar days of the date of purchase.

2.1 The Default 14-Day Right

You may cancel for any reason within 14 days. We refund the full purchase price within 14 days of receiving your cancellation notice, using the same payment method you used to buy.

2.2 The Important Exception for Digital Content

Under Article 16(m) of the Consumer Rights Directive, you lose the 14-day right when:

• The supply of digital content has begun, AND
• You expressly consented to begin supply before the 14 days expired, AND
• You acknowledged that you would lose the right of withdrawal.

Before web checkout, you must actively select two separate, unticked confirmations:

1. You request immediate delivery of the digital access after payment is confirmed.
2. You acknowledge that beginning the digital supply may limit or end the statutory right of withdrawal, subject to applicable law.

GIA records the consent version, product, purchase request, time, IP address, user agent, and resulting Stripe Checkout Session. Checkout is not created unless both confirmations are selected. Selecting the boxes never removes rights that cannot lawfully be waived.

2.3 Subscriptions

For subscription products on the web (such as a future GIA Team / Partnership tier sold via Stripe):

• You may cancel auto-renewal at any time. Cancellation takes effect at the end of the current billing period.
• If you cancel during the 14-day cooling-off period and have not waived the right above, we refund the full first payment.
• If you cancel after using the subscription substantively, we may charge for the proportion of the service consumed, in line with Article 14(4)(b) of the Directive.

2.4 Promotional or Gifted Stripe Trials

We may provide promotional or gifted Stripe trials, including extended trials such as a 365-day launch gift.

For these trials:

• You are not charged during the trial period.
• Stripe Checkout will ask you to provide a payment method before the trial starts.
• The checkout page will disclose the trial length, the renewal price, and the billing period.
• Unless you cancel before the trial ends, the subscription converts into a paid auto-renewing subscription and Stripe attempts to charge your saved payment method.
• If you cancel before the trial ends, no renewal charge is made.
• If you cancel after the first paid renewal, the cancellation stops future renewals. Refunds for the paid period are handled under Sections 2 and 3 of this Policy and applicable consumer law.

A manually granted free subscription in GIA admin is not the same as a Stripe trial: it may expire automatically and does not create future automatic billing.

2.5 How to Cancel a Web Purchase or Stripe Subscription

Email privacy@globalinkalliance.com with:

• Your registered email address
• The order ID (visible in your purchase confirmation email)
• A short statement: "I wish to cancel and request a refund."

We confirm receipt within 2 business days and refund (where due) within 14 days.

If your web subscription was created through Stripe, you may also use the Stripe customer portal link available in your GIA account to cancel auto-renewal, update payment details, and view invoices.

3. Refunds Outside the 14-Day Right

Outside the cooling-off period, refunds for web purchases are at GIA's discretion. We may grant a refund if:

• The product was unavailable or substantively defective
• We mistakenly charged you twice
• You experienced an account-level error (e.g. you bought a course you already owned through a separate plan)

We will not typically refund:

• Courses you have substantially watched
• AI generations you have already created
• Subscription periods you have already used

3.1 What Happens to Access After a Web Refund or Dispute

• Subscriptions: a full refund or lost payment dispute ends paid access and cancels the related Stripe subscription. An open dispute temporarily suspends access. If the dispute is won, GIA restores access only when Stripe still reports the subscription as active.
• GIA Balance: a full refund or dispute hold is automatically deducted only when the corresponding balance is still available. If some of it has already been spent, the case is held for manual review instead of creating a negative balance. A won dispute restores a balance amount that was actually held.
• Health: unused paid Health access is suspended or revoked. A Health course that has already started is not interrupted automatically; it remains available for safety and continuity, while the financial case is recorded separately.
• Boost and event promotion: once a Boost or scheduled event promotion has started, GIA does not silently reverse profile ranking or rewrite past delivery. Refunds and disputes are placed in manual review under Section 6.
• Partial refunds and unknown products: always require manual review. GIA does not make an automatic partial entitlement change without a documented decision.

Every automatic or manual-review action is recorded idempotently against the payment-provider event so the same webhook cannot change money or access twice.

4. Refunds for Apple App Store Purchases

All purchases through the iOS app are processed by Apple. To request a refund:

• Visit reportaproblem.apple.com
• Sign in with your Apple ID
• Find the GIA charge and click "Report a Problem"
• Choose "Request a refund" and follow the prompts

Refund decisions are at Apple's sole discretion. Apple's refund policy and timelines apply. GIA cannot refund App Store purchases on Apple's behalf.

To cancel an auto-renewing subscription on iOS:

• Settings (iPhone) → Your Apple ID → Subscriptions → GIA → Cancel

If you accept an App Store free trial, introductory offer, promotional offer, or offer code, Apple will show the trial length, renewal price, and renewal date before you confirm. Unless you cancel before the trial ends, Apple may convert the trial into a paid auto-renewing subscription under Apple's terms. GIA cannot cancel or refund App Store purchases on Apple's behalf.

5. Refunds for Google Play Purchases

All purchases through the Android app are processed by Google. To request a refund:

• Visit play.google.com
• Go to "Order History"
• Find the GIA charge and click "Request a refund"

Google's refund policy and timelines apply. GIA cannot refund Google Play purchases on Google's behalf.

To cancel an auto-renewing subscription on Android:

• Google Play app → Subscriptions → GIA → Cancel

If you accept a Google Play free trial, introductory offer, promotional offer, or subscription promo code, Google Play will show the trial length, renewal price, and billing period before you confirm. Unless you cancel before the trial ends, Google Play may convert the trial into a paid auto-renewing subscription under Google's terms. GIA cannot cancel or refund Google Play purchases on Google's behalf.

6. Promoted / Boosted Profile Placements

If you pay to Pin 📌 or Boost 🚀 your profile in the Network feed:

• Refunds are not granted once the placement starts running
• If we remove your placement for breach of the AUP, no refund is due
• If we suffer a service outage that prevents your placement from running, we will extend the placement by the affected period or refund the affected portion at our discretion

7. Educator Course Sales (Future)

When educators sell paid courses on learn.getgia.app:

• Buyers receive the same 14-day cooling-off right described in Section 2 (with the same waiver mechanism)
• Refunds reduce the amount paid out to the educator under the Educator Content License Agreement
• Educators are responsible for the substantive quality of their content within the bounds of our moderation

8. Chargebacks

If you initiate a chargeback with your bank or card issuer instead of contacting us first, we may:

• Suspend the disputed paid entitlement pending resolution
• Place the disputed GIA Balance amount on hold when it is still available
• Decline to provide further paid service where permitted by law
• Recover associated chargeback fees from any unpaid balance where permitted by law

We do not automatically block unrelated free application access solely because a payment dispute exists. We always prefer to resolve disputes directly. Email privacy@globalinkalliance.com first.

9. Currency and Fees

Refunds are issued in the same currency as the original purchase. We refund the full purchase amount; we do not refund:

• Currency-conversion losses imposed by your bank
• Fees imposed by Apple or Google on App Store / Play purchases

10. Children

If a person under 18 has made a purchase using your account or device without authorization, contact privacy@globalinkalliance.com. For Apple and Google purchases, also contact the relevant store for the parent / family-purchase reversal procedure.

11. Contact

Global Ink Alliance Ltd Email: privacy@globalinkalliance.com Address: Suite RA01, 195-197 Wood Street, London, E17 3NU, UK

Document prepared for Global Ink Alliance Ltd. Version 1.1 — 30 July 2026