Refund Policy

1. Overview

This Refund Policy explains when you can get a refund from Fobign Technologies ("Fobign", "we", "us", or "our") for purchases made on fobign.com, and how those refunds are delivered.

All payments are securely processed by Paddle.com Market Ltd ("Paddle"), our merchant of record. Paddle collects payment, issues your receipt (including applicable VAT / GST / sales tax), and sends your refund back to your original payment method.

2. 14-Day Refund Window for First-Time Customers

We offer a 14-day money-back guarantee that applies only to a new customer's first-ever successful payment on Fobign (your first top-up or purchase after signing up).

• Who qualifies: only customers whose very first payment to Fobign is being refunded. The window can be used at most once per customer.
• Time limit: your request must reach us within 14 calendar days of the payment date shown on your Paddle receipt.
• How much is refunded: the full amount of that first payment, minus any value already consumed by API usage (input + output tokens billed at the active model rate).
• Where it goes: back to the original payment method used at checkout, processed through Paddle. No restocking, administration, or processing fees are deducted by us.

3. Purchases That Are Not Refundable

• Every payment after the first one. Repeat top-ups, subsequent purchases, and any later payment are final once processed — the 14-day guarantee applies to your first payment only.
• Requests made after the 14-day window has closed.
• Balance already consumed by API usage, model inference, or other billable requests.
• Promotional, welcome, and bonus credits, which are non-transferable and cannot be withdrawn or converted to currency.
• Accounts suspended or terminated for violating our Terms of Service, including billing fraud or abuse of free credits.

Anything not listed as refundable above is considered final. Where local consumer law gives you additional mandatory rights, those rights still apply (see Section 6).

4. How to Request a Refund

1. Email hello@fobign.com from the email address registered to your Fobign account, with the subject line: Refund request.
2. Include your account email, the Paddle receipt / order ID, the payment date, the amount paid, and a short reason for the request.
3. We acknowledge every request within 2 business days and tell you whether it is approved. Approved refunds are submitted to Paddle within 5 business days.

You can also find your receipt in the confirmation email sent by Paddle and reply to it — it reaches the same support desk.

5. How Refunds Are Processed

• Refunds are issued by Paddle to the original payment method used at checkout — we cannot redirect a refund to a different card, account, or wallet for security reasons.
• Once Paddle releases the refund, it typically takes 5–10 business days for your bank or card issuer to post it to your statement.
• Refunds are issued in the same currency as the original purchase and include any applicable taxes that were charged.
• If your first payment was made in installments or through a local payment method, Paddle will refund it through the same channel wherever technically possible.

6. Chargebacks, Disputes & Your Legal Rights

If something went wrong with a payment, please contact hello@fobign.com first — almost every issue is resolved faster directly than through a bank dispute. Because Paddle is our merchant of record, card chargebacks and payment disputes are handled by Paddle on our behalf.

Nothing in this policy excludes, restricts, or limits any non-waivable consumer rights you may have under the consumer protection laws of your country of residence (including, where applicable, EU or UK consumer law). Those rights apply in addition to the 14-day guarantee described above.

7. Changes to This Policy

We may update this Refund Policy from time to time. Changes take effect immediately when posted on this page, and the "Last updated" date above reflects the most recent revision. Purchases made before a change are governed by the policy in effect on the date of purchase.