Refund & Cancellation Policy

We want COTVault to be worth your subscription. This policy explains cancellations and refunds for paid plans.

1. Free plan

The Free plan is free — there is nothing to refund. You can use it for as long as you like.

2. Billing

The paid plan (the Vault) is billed in advance through Stripe, on the interval you choose at checkout: monthly (each payment covers the upcoming one-month period) or annual (each payment covers the upcoming twelve-month period).

3. Cancellation

• You may cancel at any time from your account or by contacting us.
• On cancellation, your subscription will not renew, and your paid access continues until the end of the current paid period — the remainder of the month on monthly billing, or the remainder of the year on annual billing.
• We do not automatically pro-rate or refund the remaining days of a billing period (monthly or annual) after a mid-cycle cancellation, except as described below.

4. 7-day money-back guarantee (first-time subscribers)

If you are subscribing to a paid COTVault plan for the first time and you are not satisfied, contact us within 7 days of your first payment and we will refund that first payment in full. This guarantee applies once per customer.

5. Renewals

Renewal charges are not refundable after the renewal date has passed, but you can cancel before your next renewal to avoid being charged for the following period. We recommend cancelling before your renewal date if you do not wish to continue.

6. How to request a refund or cancel

Email support@cotvault.com from the address on your account, or use the billing/manage-subscription option in your account. We aim to respond within a few business days.

7. Chargebacks

If you have a billing concern, please contact us first — we will work to resolve it quickly. Initiating a chargeback without contacting us may result in account suspension.

8. Changes

We may update this policy; the "Last updated" date will reflect any change. Your statutory rights are not affected.