Refund, Cancellation and Billing Policy

1. Scope and the Merchant of Record

Paid access to CardDirector is sold through a Merchant of Record, currently Freemius, Inc. and its affiliates ("Freemius"). Freemius is the seller of record for your purchase. It presents the checkout, processes payment, issues the invoice and receipt, determines and remits applicable sales, use, VAT, GST and similar transaction taxes, operates the subscription management link, processes cancellations and renewals, and executes approved refunds.

CardDirector LLC is the developer and licensor of the Software and is responsible for the product itself, for the license, for support, and for deciding refund eligibility under this Policy. CardDirector does not receive or store your full payment card number, card security code or bank credentials.

The agreement presented by Freemius at checkout governs the sale transaction and payment mechanics. This Policy governs refund eligibility, the refund window, cancellation effects and billing support. Where this Policy is more favorable to you than the Merchant of Record's default refund provisions, this Policy governs eligibility, and CardDirector will instruct the Merchant of Record accordingly. Where the two cannot be reconciled on a matter of payment mechanics, such as the method by which funds are returned, the Merchant of Record's terms govern that mechanic.

Refund requests should be made to CardDirector at billing@carddirector.com. CardDirector determines eligibility under this Policy and remains your point of contact for product and refund support. The Merchant of Record may independently determine eligibility in the limited cases its own terms reserve to it, such as a duplicate charge, and may apply its own transaction terms when processing an approved refund.

If the Merchant of Record is unable to process a refund that is due under this Policy, CardDirector remains responsible for it and will arrange payment by another lawful means. Your entitlement to an eligible refund never depends on the Merchant of Record's cooperation, on its processing limits, or on the route by which the money reaches you.

CardDirector does not promise a particular alternative payment method or a fixed number of days for it, because that depends on circumstances outside its control at the time. What is fixed is the entitlement itself and CardDirector's obligation to meet it. CardDirector will tell you the route and the expected timing when the situation arises.

Refunds are processed by CardDirector staff through the Merchant of Record's controls. This is not an automated service, and a refund is not issued by the Software on its own.

2. Current Status of Paid Sales

Until public paid sales open, CardDirector is not accepting payments and the launch waitlist is free. Joining the waitlist does not require payment information and does not create a charge, purchase or subscription. Because the waitlist is free, there is no waitlist payment to refund.

Private sandbox billing tests and separately arranged private access are tests or courtesy access, not live purchases. They do not create a purchase, a refund window, a reserved price or a promise of future paid access on any terms.

CardDirector does not offer a free trial. Paid access begins with your first payment, and the Fourteen Day Money-Back Guarantee at Section 9 is the protection offered in place of a trial.

If you believe you have received an unauthorized charge bearing the CardDirector name, contact billing@carddirector.com promptly with the charge date, amount, currency and statement description.

3. Price, Currency and Taxes

Paid access is a recurring monthly subscription. The price is USD 20 per month, exclusive of applicable taxes. Prices are quoted and charged in United States dollars.

Applicable transaction taxes are calculated and collected by the Merchant of Record at checkout based on the billing information you provide, and are shown before you confirm your purchase. If your payment provider applies a currency conversion or foreign transaction fee, that fee is charged by your provider and is not received by CardDirector or the Merchant of Record.

CardDirector may change the price at which new subscriptions are sold at any time.

Under the Merchant of Record's terms as they currently stand, a change in price does not affect a subscription that is already running, for as long as that subscription remains active, unchanged and not canceled. In practice this means a price rise announced after you subscribe applies to new customers rather than to you.

That is a description of the arrangement in force today, not a permanent promise by CardDirector. The Merchant of Record's terms are its own and may change, and CardDirector cannot guarantee that a third party will keep a particular provision indefinitely. What CardDirector does commit to is the protection in the next paragraph, which applies whatever the Merchant of Record's terms say.

If a price change is ever applied to an existing subscription, it takes effect only at the start of a renewal term, and only after clear and conspicuous notice by email thirty (30) days before the first charge at the new price, stating the current price, the new price, the date it first applies and how to cancel. You may cancel before it takes effect and Section 8 applies. Changing your own plan is a new purchase and is not a price change for this purpose. A price change is a material change to which the acceptance provisions of Section 16 apply.

Promotional, introductory or discounted pricing applies only for the period stated in the offer. Unless the offer says otherwise, the subscription renews at the then-current standard price at the end of the promotional period. The thirty (30) day notice requirement described above applies to that step-up in the same way as to any other price increase.

4. No Free Trial

CardDirector does not offer a free trial period. Access is a straightforward paid monthly subscription, protected by the Fourteen Day Money-Back Guarantee at Section 9.

No payment method is collected before you decide to subscribe, and nothing on the CardDirector website enrolls you automatically in any paid product. Joining the waitlist never converts into a subscription. Any subscription requires a separate, affirmative decision by you at checkout.

If CardDirector introduces a trial in future, its duration, whether a payment method is required, whether and when a first charge would occur, and how to prevent a charge, will all be disclosed clearly and conspicuously at enrollment before any payment method is collected, and affirmative consent will be obtained separately. This Policy would be updated first, under Section 16.

5. Subscription Term and Automatic Renewal

Your subscription term is one (1) month, beginning on the date of your first payment. It renews automatically on the monthly anniversary of that date, at the then-current price for your plan, until you cancel.

By completing checkout you authorize the Merchant of Record to charge your payment method on each renewal date without further authorization, until you cancel. That authorization continues for any updated or replacement payment method supplied by you or provided through a card network account updater service.

Your renewal date and paid-through date are shown in your account and in your purchase receipt.

CardDirector or the Merchant of Record will send an acknowledgment of the automatic renewal terms after purchase, and will send price-change notices within the periods the law requires. CardDirector will also ensure you receive a reminder at least once every twelve (12) months, stating the product, the frequency and amount of the charges and how to cancel. It may be sent by CardDirector or by the Merchant of Record. You may cancel at any time regardless of whether a reminder has been sent, and the absence of a reminder never extends or shortens any right you have.

6. What You Are Told Before You Buy

Before you submit payment information, the offer and checkout will clearly and conspicuously disclose the released features, the supported Windows versions, the license scope, which permits use on one computer at a time with transfers available for replacements, the price and currency, the billing interval, the automatic renewal terms, applicable taxes, the identity of the seller or Merchant of Record, the cancellation method, and this refund policy including the Fourteen Day Money-Back Guarantee.

You will be asked to give affirmative consent to the recurring charge separately from your acceptance of the other terms, and CardDirector will retain a record of that consent, including the version of the documents accepted and the date and time.

Paid access opens only when the released software is ready to download, activate and use. CardDirector does not charge customers to reserve access to unfinished software, and does not accept prelaunch payments, deposits or preorders.

7. How to Cancel

You can cancel online at any time, without telephoning, emailing or chatting with support, and without completing a retention interview or survey. The cancellation route is the secure subscription management link included in your purchase receipt and published on the Billing and Cancellation page at www.carddirector.com.

Cancellation takes three steps: open the subscription management link for your subscription, confirm that you wish to stop renewal, and check the confirmation screen, which shows that renewal has stopped and the date your paid access ends. You will also receive an email confirmation. Keep it.

If the cancellation route is unavailable to you for any reason, email billing@carddirector.com and CardDirector will process the cancellation. A cancellation request received by email before a renewal date will be treated as effective on the date it was received.

Cancellation must be requested before the renewal date to prevent the next charge. A cancellation submitted after a renewal charge has been taken stops the following renewal and does not by itself reverse the charge already made. Whether that charge is refundable is determined under Sections 9 to 12.

Deleting or uninstalling the Software, disconnecting eBay, changing computers, leaving the waitlist, or simply not using the Software does not cancel your subscription and does not stop renewal charges.

8. Effect of Cancellation on Access

Ordinary cancellation stops future renewals and does not shorten the term you have already paid for. Full Access continues through the verified paid-through date, after which the Software moves to Read Only.

In Read Only your locally stored records remain readable, and creating a local backup remains available where that function is provided in your release, while editing, creation and connected features are restricted. Confirming valid access at any later date restores the permitted features.

An approved refund, a chargeback, a fraud restriction or an express license revocation is a separate access event and may end Full Access immediately rather than at the paid-through date.

Cancellation does not delete your local records. They remain on your computer under your control. Keep your own backups.

9. Fourteen Day Money-Back Guarantee

If you are not satisfied with CardDirector for any reason, you may request a full refund of your first payment within fourteen (14) days of that payment. No explanation is required, and you do not have to tell CardDirector why.

The refund is the whole of what you paid. CardDirector does not deduct a processing fee, a transaction fee, an administration charge or any other amount from a guarantee refund.

The guarantee applies whether or not you have downloaded, installed, activated or used the Software. Downloading and using CardDirector does not reduce, shorten or extinguish it. That is the point of the guarantee: you are meant to try the software properly before deciding.

How the fourteen days are counted

The window opens on the date of your first-ever payment to CardDirector, as recorded by the Merchant of Record, and closes at 11:59:59 pm United States Central Time at the end of the fourteenth calendar day after that date. Central Time means Central Standard Time or Central Daylight Time, whichever is in force on the closing day, so the change of clocks never shortens or lengthens the window. Calendar days are used, including weekends and public holidays.

Eligibility is determined by when your request arrives, not by when CardDirector reads it, replies to it or processes it. A request timestamped at or before the closing moment is eligible even if CardDirector responds after the window has closed. Where a request arrives close to the boundary, CardDirector resolves the doubt in your favor.

The Merchant of Record's own systems measure from the exact purchase time in Coordinated Universal Time. That is its internal clock, not your deadline. Refund decisions are CardDirector's, and the Central Time deadline in this Section is the one that governs your guarantee.

You do not have to calculate any of this. Your actual deadline is shown as a date and time in your purchase confirmation and in your account. If a displayed deadline is later than the calculation above, the displayed one governs, because you are entitled to rely on what you were told. If a display error ever shows a deadline earlier than the correct one, the error does not shorten your guarantee and CardDirector will honor the correct deadline.

Once per customer

The guarantee is available once per customer. It attaches to your first-ever payment to CardDirector, not to each purchase. Canceling and subscribing again later does not create a new guarantee, and neither does changing account, payment method, device or email address. This is the only limit on the guarantee, and it exists so that the guarantee cannot be used as an indefinite free subscription.

The guarantee attaches to your first-ever payment and to nothing else. It is used up by that payment, whether or not you ever ask for a refund. If you subscribe, let the fourteen days pass without claiming, and cancel, a later subscription does not carry a new guarantee, because the guarantee was attached to the first payment and expired there. What is available once per customer is the guarantee window, not a refund claim.

CardDirector applies this rule from its own records of your payment history rather than from any check performed at checkout by the Merchant of Record. Where its records do not show an earlier payment by you, it treats the payment in front of it as a first payment and the guarantee is available. The doubt about whether an earlier payment exists is resolved in your favor; the rule itself is not.

If the refund terms actually displayed to you at checkout for a particular purchase give you a broader right than this Section, that broader right applies to that purchase. You are entitled to rely on the document you were shown when you paid.

A subsequent purchase after a guarantee refund remains covered by the service-failure protections at Section 10 and by the discretionary refunds at Section 11, both of which continue to apply for as long as you are a customer.

A guarantee refund also cancels

A refund under this Section automatically cancels your subscription and stops all future renewals. You do not need to make a separate cancellation request, and CardDirector will confirm both the refund and the cancellation in the same email.

Feedback is optional

CardDirector may invite you to say what did not work. That invitation is optional, it is not a condition of the refund, and declining it has no effect whatsoever on your eligibility, on the amount refunded, or on how quickly it is processed. You will never be asked to complete a survey, take a call, or justify your decision.

This Section is a deliberately more generous statement of the vendor refund policy than the default provisions a merchant of record may otherwise apply. CardDirector will honor it and will instruct the Merchant of Record accordingly. Section 1 states what happens if the Merchant of Record cannot process it.

The agreement presented at checkout by the Merchant of Record contains its own fourteen-day refund wording, measured from the purchase date. Where that wording and this Section differ, whichever gives you the greater right applies to your purchase. CardDirector will not rely on a narrower reading of the checkout document to refuse a refund this Policy would allow, and will not rely on this Policy to refuse one the checkout document would allow.

10. Service Failure, Repair and Replacement

Separately from, and in addition to, the guarantee at Section 9, you are entitled to a refund or a credit where CardDirector does not deliver what was paid for. These protections are not limited to your first payment, are not limited to fourteen days, and are available for as long as you are a customer.

CardDirector will refund or credit the affected billing period where any of the following occurs.

The Software, or a function described as included at the point of your purchase, is materially unavailable or unusable for reasons attributable to CardDirector, for either seventy-two (72) consecutive hours or seven (7) days in aggregate within a single billing period.

A charge was taken after a valid cancellation was submitted.

A charge was duplicated, taken in the wrong amount or currency, or was not authorized by you.

The Software was materially not as described at the point of purchase.

A price increase was applied without the notice required by Section 3.

The thresholds and the repair period are separate and do not stack. The thresholds describe when a refund or credit becomes due. The repair period describes how long CardDirector has to fix a defect that has not yet hit a threshold.

Once a threshold is met, seventy-two consecutive hours or seven aggregate days, the remedy is due at that point and the ten-business-day repair period does not apply. CardDirector may offer a repair, a replacement build, a workaround or a term extension, and you are free to accept one, but you are not required to wait for any of them and CardDirector will not make you wait ten business days for a remedy you have already become entitled to.

The ten-business-day period applies only to a defect that has not met a threshold: something broken or materially not as described, but not amounting to seventy-two hours of unavailability. There, CardDirector may attempt a fix, and if the defect has not been resolved within ten business days of you first reporting it and cooperating with support, you may require a refund of the current billing period.

Essential provider outages count toward the thresholds in exactly the same way as CardDirector's own. Where a third-party provider that a paid feature depends on becomes unavailable, the hours count, and once a threshold is met the remedy is due even though the cause sits outside CardDirector. You bought a subscription that included the feature, and where the feature is gone for that long the shortfall is CardDirector's to make good. What CardDirector does not accept responsibility for is a provider's data being wrong, incomplete or delayed, which is addressed by the disclaimers rather than by this Section. The exclusion at Section 12 for provider change or discontinuation covers a provider withdrawing or altering a service going forward, not an outage of a feature you are currently paying for.

Where an outage or defect affects part of a billing period rather than all of it, the remedy is a pro rata amount calculated on calendar days. You choose whether to take that as a refund to your payment method or as a credit against a future charge. CardDirector will not impose a credit where you have asked for a refund.

Where the loss of function made the subscription substantially useless to you for the period, the remedy is a full refund of that period rather than a pro rata amount, and the same choice between refund and credit applies.

A service remedy is compensation, not a cancellation. Taking one does not end your subscription, does not stop renewal and does not change your paid-through date, whether it is partial or covers the whole affected period. You stay a subscriber on the same terms unless you separately ask to cancel. Section 14 sets out how each kind of refund affects access.

11. Discretionary Refunds

Outside Sections 9 and 10, CardDirector considers refund requests case by case and will act reasonably. Circumstances in which CardDirector will ordinarily grant a refund or credit include a genuine mistaken purchase reported promptly, a duplicate subscription created by a failed activation, bereavement or serious illness, and any case where refusing would be unfair on the facts.

CardDirector will not refuse a discretionary refund simply because a formal window has closed. Ask. A full refund that reverses a mistaken purchase or a duplicate subscription ends only the affected access and renewal under outcome five in Section 14. Any other discretionary refund or credit under this Section is a goodwill refund or credit and preserves access and renewal under outcome three, unless you separately request cancellation. This classification does not change the eligibility criteria above.

12. What Is Not Covered

Except where Sections 9, 10 or 11 apply, or where a mandatory consumer right requires otherwise, the following do not create a refund right.

Renewal charges, other than a renewal charged after a valid cancellation, a duplicate or unauthorized charge, a charge following a price increase given without the required notice, or a service failure under Section 10.

A second or later use of the Fourteen Day Money-Back Guarantee, which is available once per customer under Section 9.

Dissatisfaction with an estimate, valuation, comparison, identification result, centering result, grading outcome, sale price, margin or profit. These are informational outputs and are never guaranteed.

Unavailability, change, repricing or discontinuation of a third-party provider or marketplace, unless it is prolonged and deprives the subscription of substantially all of its value, in which case Section 10 applies.

Failure of your own computer, operating system, network, antivirus or endpoint software to meet the published system requirements, or interference by other software on your computer.

Loss of local records that you did not back up.

Simple non-use of the Software during a paid period, where the Software was available to you.

Abuse

CardDirector may decline a refund on the ground of abuse only where it holds specific, documented evidence that the request forms part of one of the following, which is the complete list.

A repeated cycle of purchase and refund by the same person, after the guarantee at Section 9 has already been used once by that person.

Circumvention or attempted circumvention of the license, activation or entitlement controls.

Use of a payment method that was not authorized by its holder.

A chargeback raised in respect of a payment that has already been refunded.

The guarantee is once per customer, not once per household, address, device or payment method. Two people in the same household are two customers, and each is entitled to their own first-payment guarantee. A shared address, a shared computer, or a card used to pay for someone else's subscription is not by itself evidence of anything, and CardDirector will not refuse a first-payment guarantee on that basis. Only a repeated pattern by the same person counts.

CardDirector will not treat heavy use of the Software, a short subscription period, a blunt or critical reason, the absence of a reason, or a previous refund granted under Section 10 or Section 11 as abuse. Where CardDirector declines a request on this ground it will say so expressly, state which of the four categories applies, and explain what evidence would change the outcome.

13. How to Request a Refund

Send your request to billing@carddirector.com. Include the email address used for the purchase, and either the transaction or invoice identifier from your receipt or the approximate purchase date, so that the payment can be located.

You do not need to give a reason. If you would like to tell CardDirector what did not work, that is welcome and genuinely useful, but it is entirely optional and has no bearing on your eligibility, on the amount refunded, or on how quickly it is processed.

Tell CardDirector whether you also want your subscription canceled. A guarantee refund under Section 9, an immediate-departure refund under Section 16, or a full reversal of a mistaken purchase or duplicate subscription under Section 11 cancels the affected renewal automatically as explained in Section 14. For other refunds or credits, cancellation and refund remain separate actions; say if you want both.

Never send full payment card numbers, card security codes, passwords or private activation links by email. CardDirector does not need them and will not ask for them.

CardDirector will acknowledge your request within two (2) business days and will decide it within ten (10) business days of receipt. Business days are Monday to Friday excluding United States federal public holidays. These are response targets covering CardDirector's decision. They do not affect eligibility, which is fixed by the time your request arrives, as Section 9 explains, and they are separate from the time the Merchant of Record and your bank take to move the money once a refund is approved.

Approved refunds are issued to the original payment method. The time taken for funds to appear depends on your bank or card issuer and is typically five (5) to ten (10) business days after processing. If the original payment method is closed or unavailable, CardDirector will arrange an alternative lawful method.

14. Effect of a Refund

What a refund does to your access depends on why it was given, not on how much of the payment it returns. There are five outcomes and this Section is the complete list. Sections 9, 10, 11 and 16 describe when each arises, and the notices you receive will say which one applies.

One. A guarantee refund under Section 9. The full first payment is returned, without deduction of any fee. Renewal is canceled and paid access ends when the refund is processed, at which point the Software moves to Read Only. You do not need to make a separate cancellation request.

Two. Ordinary cancellation under Sections 7 and 8. No money is returned. Full Access continues to your paid-through date and the Software then moves to Read Only.

Three. A service remedy under Section 10 or a goodwill refund or credit under Section 11. It does not cancel renewal, does not end or shorten access, and does not change your paid-through date. Full Access continues exactly as before, whether part or all of a payment is returned. A service remedy remains compensation for a shortfall, including where it covers the whole affected billing period. A goodwill refund or credit has the same effect on access and renewal. If you separately request cancellation, Sections 7 and 8 apply; this outcome does not override that request.

Four. An immediate-departure refund under Section 16. This arises only where you decline a material change and choose to leave at once rather than finish the period. The unused part of the current period is returned, renewal is canceled, and paid access ends when the refund is processed. This is the one case in which a partial refund ends access, and it does so because you have chosen to leave early and be repaid for the days you will not use.

Five. A full refund under Section 11 that reverses a mistaken purchase or a duplicate subscription. Renewal and the access attributable to that purchase or subscription end when the refund is processed; no separate cancellation request is needed. This does not cancel, shorten or revoke a separate valid subscription or the access it provides. If no other valid entitlement remains, the Software moves to Read Only under the ordinary access rules. Reversing a duplicate subscription is different from correcting a duplicate charge on a valid subscription: correcting the charge does not cancel that subscription or change its access, renewal or paid-through date. The reason for the refund determines its effect. Leaving early or reversing a mistaken purchase or duplicate subscription ends only the affected access and renewal as described above. Service compensation and goodwill refunds or credits do not. Neither type of refund deletes your account or saved records. A separate valid subscription remains unaffected by a mistaken-purchase or duplicate-subscription reversal.

Your local card and workflow records remain on your computer and remain readable in Read Only, and creating a local backup remains available where that function is provided in your release. A refund does not delete your local records. CardDirector holds no copy of them and cannot restore them if they are lost, deleted or corrupted on your computer, and resubscribing restores your access but never your records, so keep your own backups. What a backup includes is described in Section 10 of the End User License Agreement.

Where a refund follows a finding of license circumvention or unauthorized payment, CardDirector may also revoke the license and disable activations under the End User License Agreement.

15. Billing Errors, Chargebacks and Failed Payments

Billing errors

If you see a charge you do not recognize, a duplicate charge, or a charge in the wrong amount or currency, contact billing@carddirector.com promptly with the charge date, amount, currency and the statement description that appears on your account. CardDirector will investigate, coordinate with the Merchant of Record where necessary, and correct genuine errors, including by refunding a duplicated or erroneous charge in full. A duplicate charge is refunded regardless of any window.

Chargebacks

If you initiate a chargeback or payment dispute, the Merchant of Record and CardDirector may be required to respond and may suspend access while the dispute is pending. A successful chargeback ends your entitlement. CardDirector asks that you contact billing@carddirector.com first, because a genuine error can usually be corrected within days, which is faster than a dispute. Nothing in this Section limits any right you have under applicable law or your card network's rules to dispute a charge.

Failed payments

If a renewal payment is delayed, declined or fails, the Merchant of Record may retry the charge in accordance with its own retry schedule and may notify you to update your payment method. Full Access may end at the verified access deadline until payment and access are confirmed. No fixed additional payment grace period is offered beyond any retry or notice period applied by the Merchant of Record. The temporary offline connection allowance described in the End User License Agreement is not a payment grace period and never extends access beyond the paid-through date.

If payment succeeds but access does not activate, contact support@carddirector.com before attempting another purchase, so that the existing entitlement can be reconciled rather than duplicated. If a duplicate purchase has already occurred, CardDirector will refund the duplicate in full.

A missing, blank or evidently incorrect access-end date is not an offer of unlimited, perpetual or lifetime access. Ask support to reconcile it.

16. Consumer Rights, Changes and Contact

Nothing in this Policy limits any mandatory consumer right, including rights relating to withdrawal or cancellation, faulty or non-conforming digital products, products not as described, billing errors, unauthorized charges, automatic renewal disclosures, or other consumer protections that apply where you live. Where a mandatory right gives you a better outcome than this Policy, that right applies.

CardDirector may update this Policy as the offer, provider arrangements and legal requirements change. The version in force at the time of your purchase governs that purchase, and a later change will not reduce a refund right that had already accrued to you.

Material changes will be published on the Website with a revised effective date and version number and, where you hold an active subscription, notified by email at least fourteen (14) days before they take effect. A price increase requires thirty (30) days' notice under Section 3.

Where a change materially reduces your rights, CardDirector will obtain your affirmative acceptance before it applies to you, and will present you with three choices on the same screen, in plain terms, with no default pre-selected: accept the new version and carry on; decline and finish the period you have already paid for under the version you accepted, after which the subscription ends unless you accept; or decline and leave now with a pro rata refund of the unused part of the current period.

The third choice is an immediate-departure refund, outcome four in Section 14. It cancels renewal and ends access when the refund is processed, because you are choosing to leave early and be repaid for the days you will not use. It is the only partial refund in this Policy that ends access. CardDirector will say in the confirming email which of the five outcomes in Section 14 applies.

Billing, cancellation and refund inquiries: billing@carddirector.com. Product, activation and account support: support@carddirector.com. Privacy requests: privacy@carddirector.com.

CardDirector LLC, 5013 S Louise Ave #1123, Sioux Falls, SD 57108, United States. Website: www.carddirector.com.