Refund Policy

Document ID: COPAT-LEGAL-REFUND-POLICY-001 v0.1
Status: v0.1 — Beta launch baseline. Pending lawyer review pre-public-launch.

Summary

1. Subscription Refunds

1.1 Initial 14-Day Refund Window

If you subscribe to any Copat plan (Spark, Solo, Studio, Office, or Pro tier), you may request a full refund within 14 days of your initial subscription charge.

• Refunds are issued back to the original payment method via Stripe.
• Processing time: typically 5–10 business days, depending on your bank.
• Refunds within the 14-day window are at Copat's discretion — abuse (subscribing, heavy use, refunding repeatedly) may result in refund denial and account suspension.

1.2 After the 14-Day Window

After 14 days, subscriptions are non-refundable for the current billing period. However:

• You may cancel at any time to prevent the next renewal charge.
• Cancellations take effect at the end of the current paid period (your service remains active until the end date you've already paid for).
• Annual subscriptions: if you cancel mid-year, no proration is offered after the 14-day window. You continue to receive service until the annual period ends.

1.3 Prorated Mid-Cycle Cancellations

If you downgrade to a lower tier mid-cycle (within the 14-day window), Stripe handles proration automatically and credits the unused portion to your account.

1.4 Weekly Subscriptions (Solo Weekly)

Weekly Solo subscriptions have a 7-day refund window from initial charge. After 7 days, the next renewal proceeds automatically unless cancelled.

2. Token Pack Refunds

2.1 Refund Eligibility

Token packs (100, 500, 2000, 5000, 15000 tokens) are refundable only if:

• The refund request is made within 14 days of purchase, AND
• Zero tokens from that pack have been consumed.

Once any token from a pack has been used (interpreter session, coaching session, transcription, etc.), the pack is non-refundable.

2.2 Token Balance Carry-Forward

Tokens carry over indefinitely once purchased — there is no expiration. Unused tokens remain available even if you change subscription tiers.

2.3 Multiple Token Packs

If you've purchased multiple token packs and consumed tokens from some but not others, refundable packs are evaluated individually.

3. AI Feature Consumption (Tier-Included Features)

Subscription tiers include monthly token allowances. These tier-allowance tokens reset each billing cycle and are not refundable as unused balance — they are usage benefits of the active subscription, not stored credit.

If you've consumed your tier allowance and exceeded into overage, overage charges follow the same 14-day refund window as subscription charges.

4. How to Request a Refund

1. Email [email protected] with subject "Refund Request"
2. Include:
   • Account email or owner phone number
   • Date of charge or transaction reference
   • Reason for refund (helpful but not required)
3. Copat reviews requests within 2 business days
4. If approved, refund initiated via Stripe — credit typically appears in 5–10 business days

Refunds are handled by Copat staff, not self-serve. This protects both you (no accidental refunds) and us (fraud prevention).

5. Exceptional Circumstances

We will consider refunds outside the standard windows in exceptional cases:

• Service unavailability: If Copat experiences extended downtime preventing you from using core features (calls, transcription, AI features)
• Billing errors: Duplicate charges, incorrect amounts, charges after cancellation
• Compromised account: Unauthorized charges due to account compromise (with timely report)

Contact [email protected] for review.

6. Beta Cohort Note

During Copat's closed beta period (Florida cohort, beginning June 2026), users have additional protections:

• Refunds may be processed more leniently for service issues, given the pre-production status
• Early-access agreements may stipulate specific refund terms — those override the standard policy if applicable

7. Disputes and Chargebacks

Before initiating a chargeback through your bank or credit card company, please contact [email protected] first. Most issues can be resolved directly within 2 business days.

Chargebacks initiated without first contacting us may result in:

• Permanent account suspension
• Recovery costs added to outstanding balance
• Forfeiture of any unused token balance

This protects against billing abuse and keeps Copat's payment processor (Stripe) in good standing.

8. Refund Method

• Refunds are credited to the original payment method used for purchase (typically credit/debit card via Stripe).
• We do not refund via wire transfer, check, or alternative payment method.
• If your original card has been closed or replaced, contact us — Stripe may still be able to issue the refund to the issuing bank account.

9. Contact

Copat Tech LLC
Email: [email protected]
Web: copat.ai

For billing-specific questions: include "Billing" in subject line for fastest routing.

10. Changes to This Policy

We may update this policy as our service and business needs evolve. Material changes will be communicated:

• Via email to active subscribers, AND
• Posted on copat.ai/refund-policy with updated "Last Updated" date

Changes apply to purchases made after the effective date of the update. Prior purchases retain the refund terms in effect at the time of purchase.

Document version: v0.1 — Beta launch baseline. Pending lawyer review pre-public-launch.
Last reviewed: 2026-06-18 · Owner: Copat Tech LLC