Refund Policy

1. Overview

This Refund Policy explains our procedures for refunds, returns, and cancellations in accordance with Spanish consumer protection law and European Union regulations. At Dazenta, we are committed to transparency and fair treatment of all users.

Legal Entity: Dazenta (Registration Number: 79248057) is registered in Spain and subject to Spanish consumer protection laws and EU Consumer Rights Directive 2011/83/EU.

2. Nature of Our Services

2.1 Free Educational Services

Currently, Dazenta primarily offers free educational content and resources, including:

• Educational articles and blog posts
• Self-assessment quizzes and questionnaires
• Informational resources about financial stress and wellbeing
• General educational materials

Since these services are provided free of charge, no refunds are applicable for access to or use of free content.

2.2 Future Paid Services

Should we introduce paid products or services in the future (such as premium content, courses, or consultations), we will clearly communicate pricing, terms, and refund policies specific to those offerings.

3. EU Consumer Rights

3.1 Right of Withdrawal (14-Day Cooling-Off Period)

Under EU Consumer Rights Directive 2011/83/EU and Spanish Royal Legislative Decree 1/2007, consumers have the right to withdraw from distance contracts within 14 days without giving any reason.

If we offer paid digital content or services in the future:

• You have 14 days from the date of purchase to withdraw from the contract
• You do not need to provide a reason for withdrawal
• We will refund all payments received from you within 14 days of receiving your withdrawal notification
• Refunds will be issued using the same payment method used for the original transaction (unless otherwise agreed)

3.2 Exceptions to Right of Withdrawal

The right of withdrawal may not apply to:

• Digital content if performance has begun with your express consent and acknowledgment that you lose your right of withdrawal
• Services fully performed with your prior express consent
• Custom or personalized content created specifically for you

We will clearly inform you of any exceptions before you complete a purchase.

4. Refund Procedures (For Future Paid Services)

4.1 How to Request a Refund

If we introduce paid services and you wish to request a refund, please follow these steps:

1. Contact Us Promptly: Email [email protected] or call +80023991483 within the applicable refund period
2. Provide Information: Include your order number, purchase date, payment method, and reason for refund (if applicable)
3. Use Withdrawal Form: You may use our withdrawal form (when available) or send a clear statement of your decision to withdraw
4. Await Confirmation: We will confirm receipt of your refund request and provide next steps

4.2 Refund Processing Time

Once a refund is approved:

• We will process the refund within 14 days of receiving your withdrawal notification
• Refunds will be issued to the original payment method
• Depending on your bank or payment provider, it may take additional time for the refund to appear in your account
• You will receive confirmation once the refund has been processed

5. Cancellation of Services

5.1 Subscription Services (If Applicable)

If we offer subscription-based services in the future:

• You may cancel your subscription at any time
• Cancellation will be effective at the end of your current billing period
• You will retain access to subscription benefits until the end of the paid period
• No refunds will be provided for partial subscription periods unless required by law
• We will provide clear instructions for cancellation within your account settings

5.2 One-Time Purchases

For one-time purchases of digital content or services:

• The 14-day EU withdrawal right applies (subject to exceptions)
• Once digital content is accessed or services are performed (with your consent), withdrawal rights may be waived
• We will clearly inform you before you waive your withdrawal rights

6. Special Circumstances

6.1 Technical Issues

If you experience technical problems that prevent you from accessing paid content or services:

• Contact us immediately at [email protected]
• We will work to resolve technical issues promptly
• If issues cannot be resolved, we will provide a refund or alternative solution

6.2 Dissatisfaction with Content

We strive to provide high-quality, accurate educational content. However:

• Content quality concerns should be reported to us
• We will review complaints and take appropriate action
• Refunds for content dissatisfaction are subject to the EU 14-day withdrawal period
• After the withdrawal period, refunds are at our discretion

6.3 Billing Errors

If you believe you have been charged incorrectly:

• Contact us within 30 days of the charge
• Provide details of the error
• We will investigate and correct any billing errors promptly
• Incorrect charges will be refunded in full

7. Exceptions and Limitations

7.1 Non-Refundable Items

The following are generally not refundable (if applicable):

• Free content and services (no payment made)
• Digital content accessed after waiving withdrawal rights
• Services fully performed with prior consent
• Personalized or custom content created for you
• Promotional offers or discounts (separate terms may apply)

7.2 Abuse Prevention

We reserve the right to refuse refunds in cases of:

• Suspected fraud or abuse of refund policies
• Excessive refund requests indicating pattern of abuse
• Violation of our Terms and Conditions
• Requests made outside applicable refund periods

8. Consumer Protection Rights in Spain

8.1 Spanish Consumer Law

Under Spanish consumer protection law (Royal Legislative Decree 1/2007), consumers have additional rights:

• Right to clear, accurate information before purchase
• Right to conformity (products/services must match description)
• Right to repair or replacement of defective digital content
• Right to file complaints with consumer protection authorities

8.2 Dispute Resolution

If you have a complaint or dispute regarding refunds:

• First, contact us directly to seek resolution
• You may file a complaint with Spanish consumer protection authorities
• You may use the European Online Dispute Resolution platform: ec.europa.eu/consumers/odr
• You retain all legal rights under Spanish and EU consumer law

9. Payment Methods and Refund Processing

9.1 Accepted Payment Methods

When we introduce paid services, we will accept secure payment methods such as:

• Credit and debit cards (Visa, Mastercard, etc.)
• PayPal or similar payment processors
• Bank transfers (where applicable)
• Other secure payment methods as indicated at checkout

9.2 Refund Method

Refunds will be issued:

• To the original payment method used for purchase
• In the same currency as the original transaction
• Without deduction of fees (unless explicitly stated and permitted by law)

9.3 Bank Processing Times

Please note:

• We process refunds within 14 days of approval
• Your bank may take additional 3-10 business days to post the refund
• Processing times vary by payment method and financial institution
• We are not responsible for delays by third-party payment processors or banks

10. Donations and Tips (If Applicable)

If we offer the ability to make donations or tips to support our educational mission:

• Donations and tips are voluntary contributions
• They are generally non-refundable once processed
• You will be clearly informed that donations are non-refundable before contributing
• Exceptions may be made for processing errors or unauthorized charges

11. Changes to Pricing or Services

11.1 Price Changes

If we change prices for paid services:

• Changes apply to new purchases only
• Existing subscribers continue at their original price until renewal
• We will provide advance notice of price changes
• You may cancel before renewal if you disagree with new pricing

11.2 Service Discontinuation

If we discontinue a paid service:

• We will provide reasonable advance notice
• Refunds will be issued for unused portions of prepaid services
• We may offer alternative services or solutions where possible

12. Contact Information for Refund Requests

13. Record Keeping

For all transactions and refunds, we maintain records including:

• Purchase date and details
• Refund request date and reason
• Refund approval and processing dates
• Communication history related to the refund

These records help us process refunds efficiently and comply with legal requirements.

14. Updates to This Refund Policy

We may update this Refund Policy from time to time to reflect changes in our services, legal requirements, or business practices.

When we make changes:

• We will update the "Last Updated" date at the top of this policy
• Material changes will be communicated through our website
• Changes will not affect refund rights for purchases made before the update
• Continued use of paid services after updates constitutes acceptance of the new policy

15. Consumer Rights Summary

16. Important Notes

17. Acknowledgment

By using our website and services, you acknowledge that you have read and understood this Refund Policy. If you make a purchase from us in the future, you agree to the terms and procedures outlined in this policy, in addition to your statutory rights under Spanish and EU consumer law.