Refund Policy

Creator Capital Pty Ltd
Suite 302, 13/15 Wentworth Ave, Sydney NSW 2000
Email: admin@creatorcapitalmgmt.com
Last Updated: August 2025

Introduction

This Refund Policy sets out the terms and conditions under which Riskify handles refunds for our monthly subscription service. Riskify provides an AI-powered SWMS generation platform on a subscription basis, where users pay a monthly fee for unlimited use of the service. It’s important to understand that by subscribing to Riskify, you are agreeing to the no-refund policy described here, except where exceptions are required by law. We strive to be fair and transparent: under normal circumstances, we do not offer refunds for subscription payments once they have been made. However, nothing in this policy is intended to restrict your rights under Australian Consumer Law (ACL). We have structured our policy in accordance with Australian law – which means while change-of-mind refunds are not provided, we will always ensure you receive any remedies you are entitled to for faults or failures of our service .

This Refund Policy is to be read alongside our Terms of Service and Privacy Policy. By creating an account or subscribing, you indicate that you have read and agreed to this Refund Policy.

Subscription Billing and Cancellation

Billing Cycle: Riskify’s subscription operates on a month-to-month billing cycle. When you subscribe, you will be charged the advertised monthly fee immediately (or at the end of any free trial period, if one is offered). Thereafter, the subscription will automatically renew each month on the same calendar day (or the closest day, if a given month is shorter) and your provided payment method will be charged in advance for the coming month’s access. You can find the details of your next billing date by logging into your account settings.

Cancellation: You are free to cancel your Riskify subscription at any time through your account settings or by contacting our support team. Cancellation will stop future automatic payments. When you cancel, you will continue to have access to Riskify’s services until the end of the current paid billing period, but no further payments will be taken thereafter. For example, if your subscription renews on the 15th of each month and you cancel on the 20th, you will retain access until the 14th of the next month (the end of the period you already paid for), but your subscription will not renew on the 15th of that next month. We do not impose any cancellation fees or notice periods – monthly subscriptions can be cancelled at any point to avoid the next charge.

No Pro-Rata Refunds for Early Cancellation: Please note that if you cancel mid-way through a billing cycle, we do not provide a pro-rata refund for the unused portion of the month. Your subscription benefits (access to the platform) will remain active until the period expires, but the initial monthly fee is considered earned in full once the cycle begins. We encourage you to time your cancellation towards the end of your billing period if you intend to stop using the service, to make full use of the time you’ve paid for. This policy of not offering partial refunds for early cancellation is standard for month-to-month digital subscription services and is clearly disclosed here to avoid any surprise.

No Refunds for Change of Mind or User Preference

Riskify maintains a no-refund policy for change of mind. This means that if you simply decide that you no longer wish to use the service, or you find the service no longer applicable to your needs after subscribing, we will not issue a refund for payments already made. Once a month’s subscription fee has been charged, it is generally non-refundable, except in the specific circumstances outlined in the next section (such as legal requirements). Change-of-mind refunds are not required by law in Australia and businesses are allowed to decline refunds in these cases . We ask that you consider the value and suitability of the Riskify service during any free trial (if offered) or on a month-to-month basis before renewing your subscription.

Some examples of situations that fall under change of mind, for which refunds will not be provided, include (but are not limited to):

• You subscribed and later decided that you do not want the service or did not use it as much as expected.

• You found an alternative product or solution and no longer require Riskify.

• You made an error in subscribing (e.g., forgot to cancel before a renewal date).

• You feel the price is not affordable to you after subscribing (we advise evaluating the pricing and budget impact before subscribing).

We believe our monthly subscription model (with the ability to cancel anytime) provides flexibility to users to control ongoing costs without needing refunds. You can stop future payments easily by cancelling, as described above, which is the intended method to manage your subscription.

Exceptions – When Refunds May Be Provided

While our general rule is no refunds, Riskify will absolutely adhere to all requirements under Australian Consumer Law (ACL). Australian Consumer Law provides certain non-excludable guarantees for services, and if we fail to meet these guarantees, you may be entitled to a remedy, which could include a refund. We cannot and do not wish to exclude those rights. In particular:

• Service Failures or Defects: If Riskify’s service has a major failure – for example, if the service is unavailable for a prolonged period, or the SWMS generation function is fundamentally not as described or unfit for its intended purpose – then you are entitled to a remedy under ACL. In case of a major failure of our service, you are entitled to cancel your service contract with us and request a refund for the unused portion of your subscription, as well as compensation for any other reasonably foreseeable loss or damage caused by that failure . What constitutes a “major failure” will be determined in accordance with ACL criteria (e.g., a reasonable user would not have subscribed if they had known about the problem, or the issue can’t be remedied quickly or at all).

• Minor Issues: If the problem with our service is minor and can be fixed, we reserve the right under law to rectify the issue in a reasonable time. This might mean, for example, extending your subscription by a certain number of days at no charge if there was a short outage, or fixing a bug that caused an inconvenience. If we cannot fix the issue or do not do so in a reasonable time, it may escalate to a major failure and you would then have the right to a refund or compensation. Our aim is always to resolve any service issues promptly and fairly.

• Billing Errors: If an error occurs in billing – for instance, you were charged twice in one month, or charged despite having cancelled properly – we will of course correct the mistake. This may involve reversing the duplicate charge or refunding the incorrect amount. Billing errors, when verified, are an exception to the no-refund rule because you should only pay for what you intended to purchase. Please notify us promptly if you believe a billing mistake has occurred, and we will investigate and arrange any refund due.

• Statutory Cooling-off Periods: Generally, standard online subscriptions do not have a mandatory cooling-off period under Australian law (cooling-off periods usually apply to unsolicited sales or certain regulated industries). However, if any such law does apply (for example, if you purchased through a financing plan that has consumer credit cooling-off rights, or other atypical situation), we will honor any cooling-off cancellation and refund as required by that law. In typical circumstances, this is not applicable to Riskify’s month-to-month subscriptions.

We reiterate that we will never refuse a refund or remedy that we are legally obligated to provide. Any statement in this policy about not providing refunds is subject to this important caveat. Under Australian Consumer Law, you cannot be refused a remedy (like a refund, replacement, or compensation) for legitimate problems just because we have a “no refund” policy . Our “no refunds” stance is only in relation to change-of-mind or circumstances not involving a service failure.

Process for Refund Requests

If you believe you are entitled to a refund or other compensation under the above exceptions (for example, due to a major service failure or a billing error), please follow this process:

1. Contact Support: Email us at [email protected] or use our contact form as soon as possible. Provide details of your issue – for instance, describe the service problem you encountered, or the billing charge in question – and why you believe a refund is justified. Include any relevant documentation, such as screenshots of an error, downtime reports, or payment receipts.

2. Evaluation: Our customer support and management team will review your request promptly. We may request additional information if needed to assess the issue. For service issues, we will determine if it classifies as a major failure or minor issue and what remedy is appropriate; for billing issues, we will verify your payment records against our system.

3. Outcome: We will inform you of the outcome of your request and the proposed remedy. If a refund is approved, we will process it as soon as practicable. Refunds will generally be made to the same payment method you used for the original transaction. Please allow a reasonable time for the refund to appear in your account (often 5–10 business days, depending on banks). If an alternative remedy is offered (such as service credit or extension), we will explain how it works and get your agreement.

4. No Refund Granted: If after evaluation we determine that the situation does not warrant a refund (for example, the service was used successfully and the issue was simply a change of mind), we will provide a clear explanation in writing. You are always welcome to reply or escalate your concern if you believe we have overlooked something. We aim for fair resolution and will consider your feedback earnestly.

Our goal is to handle any refund inquiries in a fair, lawful, and timely manner. We appreciate our customers and want you to have confidence that, while we generally do not refund subscription fees, we stand behind our service quality and your rights.

Australian Consumer Law Notice

For transparency and compliance, we include the following statement as recommended by regulatory guidance:

Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your subscription and receive a refund for the unused portion, or compensation for the reduction in value of the services . You are also entitled to compensation for any other reasonably foreseeable loss or damage that arises from a failure in our service. For minor problems with the service, we will rectify the issue within a reasonable time. If we fail to do so, you are entitled to a refund for the service. This guarantee is provided in addition to any other warranty or support commitments we offer.

In essence, this means we cannot and do not exclude your statutory rights. Any provision of this Refund Policy that would conflict with your rights under the ACL is not intended to apply to you.

No Money-Back Guarantees

Riskify does not offer a “money-back guarantee” or trial-period refund promise. Some services advertise a full refund if you’re not satisfied within a certain time – we do not provide such offers at this time. All subscription purchases are final after any trial period. The absence of a money-back guarantee does not affect your ability to cancel future service or your legal rights as described above; it simply means we do not voluntarily provide a refund for dissatisfaction in the absence of a service fault. We encourage users to evaluate the service using monthly terms first (rather than long-term prepayments) if they are unsure about fit, to minimise any financial commitment while you assess Riskify’s usefulness for your needs.

Changes to this Refund Policy

We may update this Refund Policy occasionally, especially if our subscription terms change or if legal requirements evolve. If we make changes, we will update the “last updated” date below. For substantial changes (for example, if we decided to implement a refund guarantee or change our stance on refunds), we would notify active subscribers via email or via a prominent notice on our website. It’s important to us that you are not caught off-guard by any policy change. However, please note that any changes will not apply retroactively to payments you made in the past – they would only apply to future transactions after the policy update. We recommend reviewing this page periodically to stay informed of our latest refund terms.

Contact Information

If you have any questions about this Refund Policy, or if you wish to discuss a refund, please contact us at [email protected]. Our customer support team is available to assist you and will typically respond within 2 business days. We understand that refund issues can be sensitive and urgent, and we aim to address your concerns with fairness and clarity. Additionally, if you are not satisfied with the outcome of a refund request, you may have further recourse through consumer protection agencies or dispute resolution channels – we will cooperate with any such processes as required. Thank you for being a valued Riskify user, and we appreciate your understanding of our refund terms.