Refund Policy

Effective date: May 8, 2026  ·  Replaces version dated July 29, 2025

At Baguame.com, we strive to ensure that our users are satisfied with our platform and services. This Refund Policy outlines the conditions under which refunds may be requested for purchases made on our platform. Please read this policy carefully before making any purchase.

1. General policy

All sales of digital products, subscriptions, and virtual credits (Coins) on Baguame.com are final and non-refundable, except as explicitly stated in this policy or required by applicable law. Due to the nature of digital products — including access to online calculators, AI-assisted tools, and platform features — we do not offer refunds once the product has been accessed or used.

2. Subscriptions

You may cancel your subscription at any time through your account settings page. Upon cancellation:

• Your subscription will remain active until the end of the current billing cycle;
• No prorated refunds will be issued for the unused portion of a billing period;
• Future charges will be stopped after the final billing cycle ends.

We may consider a refund for a subscription charge on a case-by-case basis in the following situations:

• Technical issues: If a verified technical problem on our end prevented you from accessing or using the Service as intended, and our support team was unable to resolve it within a reasonable timeframe;
• Accidental or duplicate charge: If you can demonstrate that a charge was made in error (e.g., duplicate billing).

3. Coins (virtual credits)

Coins are virtual credits used to access AI-powered features on the platform, including sector analysis and chat queries. The following terms apply to all Coin purchases:

• Coin purchases are final and non-refundable once the transaction is completed;
• Coins have no monetary value and cannot be exchanged for cash;
• Coins consumed during use of AI-powered features are non-refundable, regardless of the quality or accuracy of the AI-generated output. AI responses are probabilistic by nature and we cannot guarantee specific results — see our Terms of Service, Section 6 for details;
• If Coins were consumed due to a verified technical error on our end (e.g., a request failed but Coins were still deducted), please contact our support team and we will review the case and restore Coins where appropriate;
• Unused Coins are forfeited upon account termination and are not eligible for refund.

4. Non-refundable items

The following are non-refundable under any circumstances:

• Coins once purchased;
• Coins consumed by any AI-powered feature, regardless of the result;
• Access to any digital tool, calculator, or platform feature after first use;
• Promotional, discounted, or trial-converted purchases;
• Partial billing periods for cancelled subscriptions.

5. How to request a refund

To request a refund for a subscription charge, contact our support team at support@baguame.com within 7 days of the charge date (or within the timeframe required by the law of your jurisdiction). Please include:

• Your order number or transaction ID;
• A detailed description of the issue;
• Proof of purchase (e.g., receipt or email confirmation).

Alternatively, you may submit a refund request directly from your account dashboard under the Billing or Subscriptions section.

We will review your request and respond within 5 business days. If approved, refunds will be processed to the original payment method within 10 business days.

6. Chargebacks and disputes

If you initiate a chargeback or payment dispute through your bank or payment provider without first contacting us, we reserve the right to suspend or terminate your account pending resolution. We encourage you to reach out to our support team first — most issues can be resolved quickly and amicably.

7. Consumer rights

Nothing in this policy is intended to limit any rights you may have under the consumer protection laws of your country of residence. If applicable law in your jurisdiction provides for refund rights that exceed those described here, those rights will apply.

8. Governing law

This Refund Policy is governed by the laws of Ukraine. Any disputes related to refunds shall be resolved in accordance with our Terms of Service.

9. Changes to this policy

We may update this Refund Policy from time to time. Material changes will be communicated via email or in-platform notification at least 14 days before taking effect. The updated policy will be posted on this page with a revised effective date.

10. Contact

If you have any questions about this Refund Policy, please contact us at support@baguame.com.