Refund Policy

This policy covers subscription payments that sellers make to us for Open Online. It does not cover goods or services bought from a store on Open Online. Those are sold by the store's seller, and Section 9 explains what to do.

The free trial costs nothing, so there is nothing to refund for it. This policy starts to apply from your first payment.

The 14 days start on the day your first payment was confirmed, not the day you signed up or started your trial. This applies to a monthly or a yearly first payment alike.

The 14-day refund applies to your first subscription payment only. Renewal payments are not covered by it. To avoid a renewal, cancel before your next billing date, as explained in Section 11 of our Terms. We email your renewal invoice about 7 days before it is due. We never charge your card on our own: every renewal is paid by you, through a payment link.

When you cancel, you keep your plan until the end of the period you paid for. We do not refund the unused part of a period, except as set out in Section 4.

Whatever the time since payment, we refund in full for the affected amount or period if:

• We charged you twice for the same invoice, for example two payment links for it both going through
• You paid a renewal invoice after you had cancelled, or we charged the wrong amount
• The Service was materially not as described, or a fault on our side that we could not fix within a reasonable time stopped you from using it

Our systems flag a second payment on an invoice that is already paid, and we refund the extra payment without you needing to ask. If you notice an error first, tell us.

Email hello@crode.online from the address you sign in with, and include the invoice number or the date of the payment. For a first-payment refund you do not need to give a reason, though feedback is welcome.

Refunds go back to the way you paid: to the same card for BML Connect payments, through Swipe for Swipe payments. We process an approved refund within 5 to 10 business days. Your bank or card issuer may take longer to show it in your account.

• After a refund of your first payment, your plan simply runs to the end of the period it covered. Nothing is charged automatically, so it ends there unless you pay a new invoice, and your stores then become read-only.
• Nothing is deleted because of a refund. Your data is kept as described in our Privacy Policy, and you can choose a plan again at any time.
• A refund for a billing error or a fault does not end your subscription unless you ask.

This policy is meant to make it risk-free to try Open Online, and we expect to approve almost every request. We may decline a first-payment refund only where there is a clear pattern of abuse, such as the same person or business repeatedly subscribing, using the Service and asking for a refund across several accounts. This never affects refunds for billing errors or faults.

Every store on Open Online is run by an independent seller, who is responsible for returns and refunds of what they sell. Shopper payments go straight to the seller, never to us, so we cannot refund them.

• Read the store’s own Refund policy, which is linked from the store.
• Contact the seller using the details on the store.
• If the seller does not respond, or you think the store is a scam, use the Report link on the store or email us. We review every report and can suspend stores that break our rules.

Your rights under consumer protection law against the seller are not affected by this policy.

We may update this policy. We will tell active sellers about material changes by email or in the dashboard at least 30 days before they take effect. Whether a payment can be refunded is decided by the version in force when that payment was made.

The Service is operated by NAPCO Group PVT LTD, Ga. Aakashvilla, K. Malé, Maldives (Registration No. C21812025, TIN 1175832).

For refund requests or questions about this policy, email hello@crode.online.