Refund Policy

1. Who this policy applies to

This policy applies to subscriptions to StatementFlow's Pro plan purchased through our website or app. Payments are processed by Paddle (Paddle.com Market Ltd.) as the Merchant of Record, which means Paddle is the seller of record for the transaction and refunds are issued by Paddle on our instructions.

2. Try Pro before you commit

StatementFlow's Free plan includes three custom recipes and CSV export, so you can run a full Monzo → Xero (or equivalent) export against a real statement before paying anything. We recommend using the Free plan to verify that StatementFlow handles your bank's CSV or PDF statement correctly before subscribing to Pro.

3. UK cooling-off period (Consumer Contracts Regulations 2013)

If you are a consumer in the UK or the EU, you have a statutory right to cancel a contract for digital services within 14 days of the contract starting (the "cooling-off period").

Because StatementFlow is a digital service that is supplied immediately on subscription, this right is treated as follows:

• If you have not used StatementFlow's Pro features after subscribing: tell us within 14 days and we will arrange a full refund via Paddle.
• If you have used Pro features within the cooling-off period: by starting to use the paid service you acknowledge that the service is being supplied during the cooling-off period and that, once fully supplied, your right to cancel under the regulations may be lost. In practice, for short-period subscriptions, we will still consider refund requests made within 14 days on a case-by-case basis (see section 5).

This statutory right is independent of and additional to our own goodwill policy below — it does not affect your rights under the Consumer Rights Act 2015 if the service is not as described, not fit for purpose, or not of satisfactory quality.

4. Cancelling a subscription

You can cancel a StatementFlow Pro subscription at any time from the Paddle customer portal linked inside the StatementFlow app (Settings → Billing). Cancelling stops future renewals; you keep paid access until the end of your current billing period, after which your account reverts to the Free plan.

Cancelling on its own is not the same as a refund request — it ends the subscription at the next renewal date. If you would also like a refund for the current period, see section 5.

5. Goodwill refunds

Beyond your statutory rights, we offer the following goodwill positions:

• First month of Pro. If you cancel within 14 days of being charged for your first month of Pro and have made minimal use of the paid features (Excel export, multi-currency, unlimited saved recipes), contact us at hello@statementflow.co.uk and we will normally refund that month's payment in full.
• Subsequent months. If you cancel after a renewal and have not used Pro features that month, we will consider a refund on a case-by-case basis. We strongly recommend cancelling before the renewal date if you are not using Pro — the Paddle portal makes this a one-click action.
• Accidental or duplicate charges, service faults, billing errors. Contact us — we'll work with Paddle to put it right, regardless of how long ago the charge occurred.
• Material service failure. If StatementFlow does not perform as described in our published materials (over and above the prototype disclaimers in our Terms of Service) and we cannot resolve the issue, you may be entitled to a refund under the Consumer Rights Act 2015.

We do not normally refund partial months or charges older than 30 days where the service has been used as intended. These positions are guidelines, not absolute limits — if your situation does not fit neatly, please get in touch.

6. How to request a refund

Email hello@statementflow.co.uk from the email address associated with your StatementFlow account, including:

• The date and amount of the charge you'd like reviewed.
• The Paddle receipt number, if you have it (every Paddle receipt email contains one).
• A short note on why you're requesting a refund — there is no need to justify your request under the statutory cooling-off period; this is just to help us improve.

We will respond within five working days. If a refund is agreed, it is issued by Paddle and typically appears on the original payment method within 5–10 business days, depending on your bank.

7. Chargebacks

If you believe a charge is incorrect, please contact us before raising a chargeback with your bank or card issuer — in almost every case we can resolve the issue faster and more cleanly than the chargeback process. Unjustified chargebacks may result in the suspension of your account.

8. Changes to this policy

We may update this policy from time to time. When we make material changes we will update the "Last updated" date above and, where appropriate, notify you by email. The version in force at the time of your purchase is the one that applies to that purchase.

9. Contact us

Questions about a charge, a cancellation, or this policy? Email hello@statementflow.co.uk.

See also our Terms of Service and Privacy Policy.