refund_policy() {

At Quarum, we want you to be completely satisfied with our service. This Refund Policy outlines the circumstances under which refunds may be issued.

14-Day Money-Back Guarantee:

If you subscribe to a paid plan and are not satisfied, you may request a full refund within 14 days of your initial payment.

Eligible for Refund:

• First-time subscription to any paid tier
• Request made within 14 days of payment
• No violation of Terms of Service

NOT Eligible for Refund:

• Subscription renewals
• Requests made after 14 days
• Upgrade/downgrade charges
• Partial month refunds
• Accounts terminated for Terms of Service violations
• Services already consumed (e.g., storage used, videos uploaded)

To request a refund:

1. Email us at support@quarum.app
2. Include your account email
3. State the reason for your refund request
4. Include your order/transaction ID (found in your email receipt)

We will review your request within 2-3 business days.

Approval: Once approved, refunds are processed within 5-10 business days.

Method: Refunds are issued to the original payment method.

Currency: Refunds are issued in the original currency of the transaction.

Account Access: Upon refund, your account will be downgraded to the free tier and your subscription will be cancelled.

Cancel Anytime: You can cancel your subscription at any time from your account settings.

No Refund on Cancellation: Cancelling a subscription does not automatically trigger a refund. You must explicitly request a refund within the 14-day window.

Access After Cancellation: You retain access to paid features until the end of your current billing period.

Auto-Renewal: Cancellation prevents future auto-renewal but does not affect the current subscription period.

Upgrades: When you upgrade, you are charged the pro-rated difference for the remainder of your billing cycle.

Downgrades: When you downgrade, the change takes effect at the end of your current billing cycle. No partial refunds are issued.

Example: If you upgrade from Basic to Pro mid-month, you pay the difference for the remaining days. If you downgrade from Pro to Basic, you remain on Pro until your renewal date.

Failed Payments: If a subscription renewal payment fails, we will:

1. Notify you via email
2. Retry the payment up to 3 times over 10 days
3. Downgrade your account to free tier if payment continues to fail

No refunds are issued for failed payment scenarios.

Service Outages: If our service experiences significant downtime (>24 hours), we may offer:

• Pro-rated credit for the downtime
• Extension of your subscription period
• Full refund in cases of extended outages

Contact support to discuss compensation for service issues.

Chargebacks: If you dispute a charge with your bank instead of contacting us first, we may:

• Immediately suspend your account
• Charge a $25 dispute fee if the chargeback is found to be invalid
• Terminate your account if chargebacks are deemed fraudulent

Please contact us directly at support@quarum.app to resolve billing issues before initiating a chargeback.

We understand that exceptional situations may arise. If you have a compelling reason for a refund outside our standard policy, please contact us.

We evaluate such requests on a case-by-case basis and may offer:

• Account credit
• Subscription extension
• Partial or full refund

We may update this Refund Policy from time to time. Changes will be posted on this page with an updated "last_updated" date.

Changes do not apply retroactively. Your refund eligibility is based on the policy in effect at the time of your purchase.

For refund requests or questions:

Email: support@quarum.app

We aim to respond within 2-3 business days.