Cardigani · version 2026-10-02

Refunds and Withdrawal

Seven free days, a 14-day refund from any charge, and the legal right the tick on the card page stands in for.

Three things live on this page and they are easy to confuse, so they are kept apart: the refund we promise (7 free days, then 14 days from any charge), the statutory right of withdrawal the law gives you, and the tick on the page before the card that starts you today and swaps the one for the other.

The refund we offer — start here

Your first 7 days are free. Cancel in them and you are never charged at all. That is the simplest case and it needs no policy. If a friend's link brought you, it is 27 days instead of 7 — see *Free days for sharing* below.

When the free week ends and the first charge is taken, a 14-day refund window opens: write to support@cardigani.app and it comes back. No questions, no reasons, no forms. The same 14 days apply to every later charge — a renewal, a switch of plan, the lifetime licence.

This is more generous than the law requires. It is deliberate: at this price, arguing with someone who is unhappy costs more than the refund does.

Refunds go back to the card you paid with, through Stripe, normally within 5–10 working days depending on your bank.

Your statutory right of withdrawal

If you are a consumer in the EU, the Consumer Rights Directive (2011/83/EU) gives you 14 days from the conclusion of the contract to withdraw from it, without giving any reason and without penalty.

For digital content and services supplied immediately, that right can be lost — but only if all three of the following happened: you gave prior express consent for supply to begin during the withdrawal period, you acknowledged that you thereby lose the right, and we confirmed that to you on a durable medium.

That is exactly what the tick on the page before the card is for, and why it is never pre-ticked.

The tick on the page before the card

Before the card is taken you are shown an unticked box. It reads, word for word:

*Start today. Your first 7 days are free — cancel in them and you are never charged. When the free week ends and the first charge is taken, a 14-day refund window opens: write to me and it comes back, no questions. Tick this to start now; it also confirms that once the free week is over and the first charge is taken, the legal 14-day right to withdraw is replaced by that refund promise.*

If a friend's link brought you, the sentence carries your number instead: it begins *Your first 27 days are free* and says *the free days* where this one says *the free week*. Nothing else in it changes, and the page before the card shows the exact date of the first charge.

Ticking it is what starts you today. It is unticked, it is separate from accepting the terms, and it is the express request and the acknowledgement the law asks for — said together with the 14-day refund promise that replaces the statutory right, so nobody is giving anything up without knowing what they get instead. A pre-ticked box, silence, or a consent bundled into the terms would not qualify, so ours is a distinct, active step. The wording you saw, with this page's version, is recorded against your account.

Beside the button on the card page you read a sentence beginning "By pressing the button you order with an obligation to pay", with the amount and the date. That wording is required: where a trader hides the obligation behind "Continue" or "Confirm", the consumer is not bound by the contract at all. We would rather be plain than clever.

Withdrawing — the button, and the form

There is a withdrawal button in your account. Directive (EU) 2023/2673 requires an on-site withdrawal function for contracts concluded through an online interface, applicable since 19 June 2026. Press it, confirm, and you will receive an automated acknowledgement on a durable medium confirming the date and time we received it.

You do not have to use the button. A plain statement in an email to support@cardigani.app — "I withdraw from my contract" — is equally effective, and the date we receive it is the date that counts.

If you prefer the standard form, this is the model set out in Annex I(B) of Directive 2011/83/EU:

To: Ivan Naydenov, Bulgaria — support@cardigani.app

I hereby give notice that I withdraw from my contract for the supply
of the following service:

  Ordered on: ......................................................
  Name of consumer: ................................................
  Address of consumer: .............................................

  Signature (only if this form is sent on paper): ..................
  Date: ............................................................

What happens when you withdraw

We reimburse all payments received, using the same means of payment you used, within 14 days of being told. There is no fee for withdrawing.

If you asked for the service to begin during the withdrawal period and then withdraw anyway, the law allows us to charge for the part already supplied, in proportion. We do not. Under the refund promise at the top of this page you get the whole amount back.

Access ends when the refund is made. Export keeps working until then, so you can take your decks with you — and you should.

After 14 days

A subscription can be cancelled at any time from your account page. Cancelling stops the next renewal; you keep access to the end of the period already paid for. We do not refund part-used periods after the first 14 days, but nor do we bill you again.

A lifetime licence is not refundable after 14 days, because there is no future period to refund. What continues to apply is the legal guarantee of conformity in the Terms: if the service is broken or is not what it was described to be, you have rights regardless of when you bought it, and this policy does not touch them.

If something has gone genuinely wrong, write anyway. The 14 days are a promise, not a shutter.

Free days for sharing

A friend's link gives you 27 free days instead of 7. The page before the card shows the number and the exact date of the first charge, and the card page repeats that date.

When a friend you sent starts their free time, you get 20 more free days — for each of the first 5 friends. Still in your free time? It gets longer. Already paying? Your next charge moves 20 days later. Each time, an email tells you the new date.

A 20-minute call with Ivan is worth 20 more free days, once. Ask from the strip on your shelf; the days are added after we have talked.

The days are added to a plan whose next charge can be moved. If you have no plan yet they wait, and are added when you start one. A lifetime licence and an invited tester's pass have no next charge to move, so no days are added to them. A friend counts once, when their own free time starts on a card that has not had a free week before. Free days have no cash value and cannot be refunded or exchanged.

Nothing above changes because of them: the 14-day refund runs from each charge, whenever that charge is taken.

Before you buy — the disclosures the law requires