Refund Policy

14-day money-back guarantee. You may request a full refund within 14 calendar days of your first paid transaction. No reason required. Using Kvantra during that period does not remove your eligibility.

1. About This Policy

This Refund Policy covers paid subscriptions to the Kvantra platform. Kvantra is operated by Kvantra Operations AS (org.nr 937 809 697), Keiser Wilhelms gate 22, 6003 Ålesund, Norway.

It supplements our Terms & Conditions and End-User License Agreement. Read them together. If this policy conflicts with the Terms & Conditions on commercial, billing or subscription matters, the Terms & Conditions prevail. The exception is where this policy, or the guarantee shown at the point of purchase, gives you a more favorable outcome.

2. 14-Day Money-Back Guarantee

We offer a full refund on Analyst and Strategist subscriptions. The request must be submitted within 14 calendar days of your first paid transaction.

You do not need to give a reason. If your subscription starts with a free trial, the 14 days count from the first completed payment. Not from the start of the trial.

Using Kvantra during this period does not, by itself, remove your eligibility. That includes running screens and viewing data.

The guarantee applies once per customer. Upgrading or changing plans does not restart the guarantee period.

3. Fees Outside the Guarantee

Outside the guarantee period, fees are non-refundable. The only exceptions are where mandatory law or this policy states otherwise. Non-refundable fees include partial billing periods, unused features and unused time on an active subscription. The same applies to downgrades, whether to a lower plan or to the free Normie plan.

4. Subscriptions, Trials, and Renewals

Kvantra subscriptions are billed in advance. They renew automatically until cancelled. You can cancel at any time from your Kvantra account settings.

Cancelling stops future renewal charges. It does not automatically refund a renewal payment that has already gone through. Refund requests relating to renewals are handled in accordance with Paddle's Refund Policy, Paddle's Buyer Terms, and applicable consumer law.

Cancel without requesting a refund, and you keep your paid plan until the end of the billing period you have paid for.

5. How to Request a Refund

Payments for Kvantra are processed by Paddle. Paddle acts as the Merchant of Record and authorized reseller for Kvantra purchases.

To request a refund, email Contact@Kvantra.ai from the address you used at checkout. Include your Paddle transaction or receipt number if you have it. We will confirm your request and process the refund through Paddle.

You can also contact Paddle directly at paddle.net, but requests sent to us are handled faster.

Approved refunds are issued by Paddle to the original payment method. Processing time depends on Paddle and your payment provider. Typically it takes up to 14 days.

6. Effect of a Refund

When a full refund is issued, your subscription is cancelled. Your licence to the paid tier ends and your account moves to the free Normie plan. Paid features, extra portfolios, watchlists and saved screens associated with the refunded plan may be removed or disabled.

7. Fraud, Refund Abuse, and Payment Reversals

Kvantra and Paddle may investigate evidence of fraud, repeated purchase-and-refund behavior, chargeback abuse or other deceptive activity. Where the law permits, a refund may be declined.

If a payment fails or is reversed, including through a chargeback, we may suspend, limit or terminate access to the Services and the account. This is done in accordance with our Terms & Conditions.

Nothing in this section limits any refund or consumer-protection right that cannot lawfully be excluded.

8. Market Performance and Investment Outcomes

Kvantra is a stock analysis platform. It is provided for informational and educational purposes. Kvantra is not an investment adviser or broker, and does not provide personalised investment advice or recommendations.

Outside the applicable refund period, refunds are not granted because of market movements. Nor because of the performance of a stock or portfolio, or a decision made after reviewing information on Kvantra. KvantraRank and all other features provide analytical information only. They do not guarantee accuracy, profits, or any financial outcome.

9. Defective or Unavailable Services

This policy does not limit your statutory rights. If the service is defective, materially misdescribed, or not delivered as required by law, those rights apply in full. Depending on the circumstances, you may be entitled to correction, restored access, a price reduction, or a refund.

10. Consumer Rights and Paddle Terms

This guarantee is contractual. It comes in addition to any mandatory consumer rights you have under the law of your country of residence, and does not replace or reduce them. Where those rights give you a more favorable outcome, they prevail.

Paddle is the Merchant of Record. All transactions, refunds, cancellations, disputes, taxes and chargebacks are therefore also subject to Paddle's Buyer Terms and Refund Policy. If this policy conflicts with a mandatory legal requirement, or with a non-waivable right under Paddle's terms, the provision giving you the greater protection controls.

Before initiating a chargeback with your bank or card provider, please contact us or Paddle first. That is usually the faster way to resolve the issue.

11. Changes to This Policy

We may update this policy from time to time. The current version is always available on the Platform. The «Last updated» date above shows when it last changed.