Refund Policy

This Refund Policy applies to all purchases made through SummitBridge Horizon Ltd ("we", "us", "our"), registered at Companies House under number 16419201. This policy complies with the Consumer Rights Act 2015, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, and applicable UK consumer protection law.

SummitBridge Horizon Ltd is not registered for VAT. Prices shown are inclusive and no VAT is charged.

1. Digital Content and Software Licences

Our products — including BusinessOS, CofferMindIQ, the NIS2 Compliance Tracker, StatuteForgeIQ, HumanBaseIQ, and all other SaaS tools — are classified as digital content under the Consumer Rights Act 2015.

1.1 Right to Cancel (Cooling-Off Period)

Under the Consumer Contracts Regulations 2013, you have 14 days from the date of purchase to cancel your order and receive a full refund, provided you have not yet accessed or downloaded the digital content.

1.2 Waiver of Cancellation Right

When you access digital content (e.g., log in to a SaaS product, generate a report, or activate a licence key), you acknowledge that:

• You have given your express consent to begin performance of the digital content before the end of the 14-day cancellation period; and
• You acknowledge that you will lose your right to cancel once the digital content has been fully accessed or downloaded.

This is in accordance with Regulation 37 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

1.3 Faulty Digital Content

Under sections 34-36 of the Consumer Rights Act 2015, digital content must be of satisfactory quality, fit for a particular purpose, and as described. If our digital content is faulty, you are entitled to:

• A repair or replacement at no cost to you
• If repair or replacement is not possible or does not resolve the issue, a full or partial refund as appropriate
• Compensation for any damage caused to your device or other digital content as a result of the fault (section 46, Consumer Rights Act 2015)

2. Subscription Services

For recurring subscription plans:

• You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period.
• No refunds are given for partial billing periods unless the service was materially unavailable or defective during that period.
• If you cancel within 14 days of your initial subscription purchase and have not accessed the service, you are entitled to a full refund under the cooling-off period.

3. Physical Goods (If Applicable)

If we supply any physical goods in connection with our services:

• You have 30 days from the date of delivery to reject goods that are faulty, not as described, or not fit for purpose, and receive a full refund (section 22, Consumer Rights Act 2015).
• After 30 days but within 6 months, we will attempt a repair or replacement first. If this fails, you are entitled to a full refund.
• After 6 months, you must demonstrate that the goods were faulty at the time of delivery. A partial refund may be offered to account for use.

4. How to Request a Refund

To request a refund, contact us with the following details:

• Your full name and email address used for the purchase
• Order or invoice number (e.g., ORD-202604-XXXXX or INV-202604-XXXXX)
• Date of purchase
• Reason for the refund request

Email: [email protected]

We will acknowledge your request within 2 business days and process eligible refunds within 14 days of approval.

5. Refund Method

Refunds will be issued to the original payment method used for the purchase. If payment was made via bank transfer (Wise), the refund will be returned to the originating account. If payment was made via Stripe, the refund will be processed through Stripe to the original card or payment method.

6. Non-Refundable Items

The following are not eligible for a refund:

• Digital content that has been accessed, downloaded, or activated with your express consent (as per section 1.2 above)
• Custom or bespoke services that have been fully delivered
• Services where performance has been completed in full with your prior express consent

Nothing in this section affects your statutory rights under the Consumer Rights Act 2015. If digital content is faulty, your rights under section 1.3 apply regardless.

7. Chargebacks and Disputes

We encourage you to contact us directly before initiating a chargeback with your bank or payment provider. We are committed to resolving refund requests fairly and promptly. Unresolved disputes may be referred to an approved Alternative Dispute Resolution (ADR) provider.

8. Your Statutory Rights

Nothing in this Refund Policy affects your statutory rights under UK law. For further information about your consumer rights, you may contact:

• Citizens Advice — citizensadvice.org.uk | 0808 223 1133
• Trading Standards — via Citizens Advice consumer helpline

9. Changes to This Policy

We may update this Refund Policy from time to time to reflect changes in our products, services, or applicable law. Material changes will be communicated via email or notice on our website. The "Last updated" date at the top of this page indicates when the most recent revision was made.

10. Contact

SummitBridge Horizon Ltd
71-75 Shelton Street, Covent Garden, London, WC2H 9JQ
Companies House: 16419201 | ICO: ZC112810

Email: [email protected] (billing and refunds)

Email: [email protected] (general enquiries)