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 applies to paid subscriptions to the Kvantra platform, 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 Agreementand should be read together with them. Where this policy conflicts with the Terms & Conditions on commercial, billing or subscription matters, the Terms & Conditions prevail, except 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 when a request is submitted within 14 calendar days of your first paid transaction for an Analyst or Strategist subscription.

You do not need to give a reason. If your subscription starts with a free trial, the 14-day refund period begins when the first subscription payment is completed, not when the trial starts.

Using Kvantra, running screens, or viewing data during this period does not, by itself, remove your eligibility under this guarantee.

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, and except where mandatory law or this policy states otherwise, fees are non-refundable. This includes partial billing periods, unused features, unused time on an active subscription, and downgrades to a lower plan or to the free Normie plan.

4. Subscriptions, Trials, and Renewals

Kvantra subscriptions are billed in advance and renew automatically until cancelled. You can cancel at any time from your Kvantra account settings or through the subscription-management link in your Paddle receipt.

Cancelling prevents future renewal charges but does not automatically refund a completed renewal payment. Refund requests relating to renewals are handled in accordance with Paddle's Refund Policy, Paddle's Buyer Terms, and applicable consumer law.

If you cancel without requesting a refund, you keep access to your paid plan until the end of the billing period you have already paid for.

5. How to Request a Refund

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

To request a refund, use the link in your Paddle receipt, visit paddle.net, or email Contact@Kvantra.ai. Please include the email address used at checkout and, if available, your Paddle transaction or receipt number.

Approved refunds are issued by Paddle to the original payment method. Processing times are determined by Paddle and your payment provider, typically within 14 days.

6. Effect of a Refund

When a full refund is issued, 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, and may decline a refund where permitted by law.

Where a payment fails or is reversed, including through a chargeback, we may suspend, limit or terminate access to the Services and the account 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 provided for informational and educational purposes. It is not an investment adviser or broker and does not provide personalised investment advice or recommendations.

Refunds outside the applicable refund period are not granted because of market movements, the performance of a stock or portfolio, or a decision made after reviewing information presented on Kvantra. KvantraRank and all other features provide analytical information only and do not guarantee accuracy, profits, or any financial outcome.

9. Defective or Unavailable Services

This policy does not limit your statutory rights where the service is defective, materially misdescribed, or not delivered as required by law. 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 is in addition to, and does not replace or reduce, any mandatory consumer rights you have under the law of your country of residence, and where those rights give you a more favorable outcome, they prevail.

Because Paddle is the Merchant of Record, all transactions, refunds, cancellations, disputes, taxes, and chargebacks are also subject to Paddle's Buyer Terms and Refund Policy. If this policy conflicts with a mandatory legal requirement or 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 so we can resolve the issue faster.

11. Changes to This Policy

We may update this policy from time to time. The current version is always available on the Platform, and the "Last updated" date above will be adjusted accordingly.