Payments & Cancellation

Last updated: 20/09/2025

Applies to Monthly and Annual Subscriptions

1. Overview

At Legi Check, our mission is to streamline compliance processes, not complicate them. This comprehensive Payment and Cancellation Policy is designed to ensure maximum fairness, transparency, and strict adherence to legal compliance across all jurisdictions where we operate. It outlines the terms and conditions governing our payment processing, subscription renewals, cancellation procedures, and the diligent handling of your data. This policy is aligned with and crafted to reflect applicable laws in:

South Africa: Specifically adhering to the Consumer Protection Act 68 of 2008 (CPA) and the Protection of Personal Information Act 4 of 2013 (POPIA).
United Kingdom: Fully compliant with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the Consumer Rights Act 2015, and the UK General Data Protection Regulation (UK GDPR).
United States: Developed in accordance with the Federal Trade Commission Act (FTC Act), the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other relevant state-level consumer protection laws.
European Union: Reflecting compliance with the Consumer Rights Directive (2011/83/EU), the Unfair Commercial Practices Directive (2005/29/EC), and the General Data Protection Regulation (GDPR – Regulation (EU) 2016/679).
Brazil: In line with the Consumer Defence Code (CDC) and the Lei Geral de Proteção de Dados (LGPD – Law No. 13,709/2018).
Canada: Aligned with the Personal Information Protection and Electronic Documents Act (PIPEDA), provincial consumer protection laws, and Quebec Law 25 (Act to modernize legislative provisions as regards the protection of personal information).
Australia: Ensuring compliance with the Australian Consumer Law (ACL) under the Competition and Consumer Act 2010, as well as the Privacy Act 1988 (including the Australian Privacy Principles – APPs).
Singapore: In accordance with the Personal Data Protection Act 2012 (PDPA SG) and the Consumer Protection (Fair Trading) Act (CPFTA).
India: Developed to align with the Consumer Protection Act 2019 and the Digital Personal Data Protection Act 2023 (DPDP).
Japan: Compliant with the Act on the Protection of Personal Information (APPI, including 2022 amendments) and the Act on Specified Commercial Transactions (ASCT).
United Arab Emirates (UAE): Reflecting obligations under the Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL) and the Consumer Protection Law (Federal Law No. 24 of 2006, as amended).
Saudi Arabia: Compliant with the Personal Data Protection Law (Royal Decree M/19 of 2021, amended 2023) and the Consumer Protection Regulations.

2. Subscription Terms: Tailored for Flexibility and Clarity

Legi Check offers two primary subscription models, each designed to provide flexibility while ensuring clear terms for our users.

2.1 Monthly Subscriptions

Our Monthly Subscriptions are designed for flexibility and convenience:

Automatic Renewal: Your subscription will automatically renew each month on your billing date. This ensures uninterrupted access to Legi Check's services.

Cancellation Anytime: You retain full control over your subscription. You may cancel your monthly subscription at any time before your next scheduled billing date. This can be done conveniently through your personal account dashboard or by sending an email to our dedicated support team at [email protected]

Effectiveness of Cancellation: When you cancel a monthly subscription, the cancellation becomes effective at the end of your current billing cycle. This means you will continue to have full access to all Legi Check features until the end of the period for which you have already paid.

2.2 No Refunds for Partial Periods

In line with industry standards and legal provisions, we do not provide refunds for any unused days or for cancellations made mid-cycle. This policy is consistent with:

South Africa: Section 14(2)(c) of the Consumer Protection Act 68 of 2008.
United Kingdom: Regulation 29 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
United States: Federal Trade Commission (FTC) Fair Billing Guidelines.
European Union: Article 16(m) of the EU Consumer Rights Directive (2011/83/EU), which allows businesses to refuse pro-rata refunds for ongoing services once performance has begun, provided consumers were clearly informed.
Brazil: Article 49 of the Consumer Defence Code (CDC) and LGPD obligations regarding transparent withdrawal, noting that mid-cycle cancellations typically do not require refunds beyond statutory 7-day cooling-off periods.
Canada: PIPEDA and provincial consumer protection acts (Ontario Consumer Protection Act, Quebec Law 25), which permit proportional cancellation but do not mandate refunds where service has been consumed.
Australia: Australian Consumer Law (Competition and Consumer Act 2010) while consumers have statutory rights against defective services, refunds are not mandated for change-of-mind or partial use once service is supplied.
Singapore: Personal Data Protection Act (PDPA) combined with Consumer Protection (Fair Trading) Act businesses must disclose refund terms clearly; no pro-rata refunds are required for partial usage if terms are transparent.
India: Consumer Protection Act 2019 and DPDP Act 2023 cooling-off applies only for certain e-commerce contracts; refunds for partial usage are not mandatory unless expressly provided.
Japan: Act on Specified Commercial Transactions (ASCT) requires clear disclosure of subscription terms but does not mandate refunds for partially used subscription periods.
UAE & Saudi Arabia: PDPL frameworks mandate clear disclosure of cancellation terms; refund rights apply only where expressly required by consumer protection laws or service defects, not for partial usage.

Payment Failure Protocol: In the event of a failed payment, we will initiate a series of re-attempts over a period of up to 22 days. Throughout this period, we will send you multiple notifications to inform you of the payment issue and the impending deactivation of your account. Access to your Legi Check services will only be suspended if payment remains unsuccessful after this 22-day retry period.

2.3 Annual Subscriptions

For users seeking long-term value, our Annual Subscriptions offer a cost-effective solution:

Automatic Renewal: Your annual subscription will automatically renew every 12 months on your billing anniversary date, ensuring continuous service.
Advance Cancellation Required: To prevent automatic renewal for the subsequent year, you must cancel your annual subscription in advance of your renewal date.
Non-Refundable Policy (with Exceptions): Once an annual plan payment has been successfully processed, it is generally non-refundable. Exceptions to this policy are strictly limited to conditions explicitly outlined in Section 6 (Refund Exceptions) of this document or as otherwise mandated by applicable consumer protection legislation.
Cancellation of Future Renewals: Cancelling an annual subscription will prevent all future automatic renewals. However, it does not trigger a refund for the current annual term for which you have already paid. You will continue to have access to Legi Check services until the end of your paid annual period.

3. Payment & Renewal Terms: Transparent Financial Guidelines

Understanding our payment and renewal terms is crucial for a seamless Legi Check experience.

3.1 Subscription Charge Adjustments

Legi Check reserves the right to adjust the price of your subscription, or any component thereof, at any time.

3.1.1 Advance Notification:

Should a price adjustment be necessary, we commit to providing you with at least 30 days' advance written notice of any impending changes. This commitment is in line with:

South Africa: Principles of fairness under the Consumer Protection Act 68 of 2008 (CPA).
United Kingdom: Principles of fairness under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and the Consumer Rights Act 2015.
United States: Principles of fairness as established by the Federal Trade Commission (FTC Act) and relevant state consumer protection statutes.
European Union: Transparency obligations under the Consumer Rights Directive (2011/83/EU) and Unfair Commercial Practices Directive (2005/29/EC), which require clear and timely communication of price changes.
Brazil: Article 6 of the Consumer Defence Code (CDC), requiring transparency and prior notice of contractual changes.
Canada: Principles of fairness under provincial consumer protection laws (e.g., Ontario Consumer Protection Act, Quebec Consumer Protection Act), requiring advance notice of material price changes.
Australia: Australian Consumer Law (ACL) under the Competition and Consumer Act 2010, which prohibits unfair contract terms and requires clear disclosure of changes.
Singapore: Consumer Protection (Fair Trading) Act (CPFTA) and guidelines issued by the Competition and Consumer Commission of Singapore (CCCS).
India: Consumer Protection Act 2019, which emphasizes fairness in standard form contracts and prohibits unilateral, unfair terms without consumer notification.
Japan: Act on Specified Commercial Transactions (ASCT), requiring proper disclosure of subscription price terms and changes.
UAE & Saudi Arabia: Consumer protection laws require fairness and transparency in subscription pricing; under UAE Federal Law No. 24 of 2006 (Consumer Protection Law) and Saudi Consumer Protection Regulations, advance disclosure of price changes is mandatory.

3.1.2 Applicability of Price Changes:

Price changes may apply within your current billing cycle following the 30-day notice period, or at your next subscription renewal, depending on the nature of the adjustment and as communicated in the notice.

3.1.3 Your Right to Cancel:

If you do not agree with the adjusted pricing, you have the right and responsibility to cancel your subscription before the effective date of the price change as specified in the notice.

3.1.4 Implied Acceptance:

Failure to cancel your subscription prior to the effective date of the price change will be construed as your acceptance of the new pricing terms.

3.2 Payment Methods & Billing

Automatic Billing:

All applicable charges for your subscription will be automatically billed to your chosen payment method on your scheduled billing date. This practice aligns with global fair billing principles, including:

United States: Federal Trade Commission (FTC) Fair Billing Guidelines.
European Union: Consumer Rights Directive (2011/83/EU), requiring transparency in recurring payments.
United Kingdom: Consumer Contracts Regulations 2013, requiring clear disclosure of recurring charges.
South Africa: Consumer Protection Act 68 of 2008, ensuring informed consent to ongoing billing.
Australia: Australian Consumer Law (Competition and Consumer Act 2010), prohibiting unfair recurring billing practices.

Electronic Invoicing:

For every successful transaction, you will promptly receive a detailed electronic invoice sent to the email address associated with your Legi Check account. Invoicing complies with:
EU VAT Directive (2006/112/EC) and associated national implementations requiring electronic invoicing standards.
Brazil's Nota Fiscal Eletrônica (NF-e) requirements, ensuring proper tax documentation.
India's GST e-invoicing mandate (Central Goods and Services Tax Act, 2017, Rule 48) for enterprises crossing turnover thresholds.
Canada's Excise Tax Act and provincial regulations mandating transparent invoice disclosure.

3.2.1 Accepted Payment Methods:

We primarily accept payments via major credit and debit cards, processed in compliance with PCI-DSS (Payment Card Industry Data Security Standards) globally. For enterprise-level clients, we may offer invoicing arrangements, subject to:

EU Late Payment Directive (2011/7/EU) on commercial transactions.
US Truth in Lending Act (TILA) and applicable state-level regulations.
Singapore's Payment Services Act 2019, ensuring safe electronic payment systems.

3.2.2 Discount Revocation:

Any discounts offered for prepayment or bundling of services may be revoked if the subscription plan is cancelled prior to completion of its agreed-upon term. This principle is underpinned by:

EU Unfair Commercial Practices Directive (2005/29/EC), requiring transparency in promotional pricing.
Brazilian Consumer Defence Code (CDC), mandating disclosure of conditions for price benefits.
Australian Consumer Law, prohibiting misleading or deceptive representations around bundled discounts.
Canada's provincial consumer laws, particularly Quebec's Consumer Protection Act, which strictly regulates conditional rebates.

3.3 Taxes & Currency: Compliance Across Borders

3.2.3 Exclusion of Taxes:

All prices quoted for Legi Check subscriptions are exclusive of Value Added Tax (VAT), Goods and Services Tax (GST), or sales tax, where applicable.

Tax Calculation:

Applicable taxes will be calculated and added to your total based on your billing location and charged in strict accordance with the prevailing national legislation of that jurisdiction:

South Africa: VAT will be applied at the standard rate of 15% as mandated by the VAT Act.
United Kingdom: VAT will be applied according to the current rules and regulations set forth by HMRC (Value Added Tax Act 1994, as amended).
United States: Sales tax will be applied based on the specific state and local laws of your billing address, in line with state-level tax codes and the U.S. Supreme Court's South Dakota v. Wayfair, Inc. (2018) ruling.
European Union: VAT will be applied under Council Directive 2006/112/EC (EU VAT Directive) and Council Implementing Regulation (EU) No 282/2011, including the One-Stop-Shop (OSS) scheme for cross-border B2C digital services.
Brazil: Indirect taxes such as ISS (Service Tax) or ICMS (Tax on Circulation of Goods and Services) may apply depending on the state, in compliance with Complementary Law 116/2003 and local tax laws.
Canada: Goods and Services Tax (GST) at 5%, with potential provincial sales tax (PST), harmonized sales tax (HST), or Quebec Sales Tax (QST), applied under the Excise Tax Act (R.S.C., 1985, c. E-15) and Quebec's Tax Administration Act (Law 25 obligations also extend to disclosure).
Australia: Goods and Services Tax (GST) at 10% under the A New Tax System (Goods and Services Tax) Act 1999.
Singapore: Goods and Services Tax (GST) currently 9%, under the Goods and Services Tax Act (Cap. 117A).
India: Goods and Services Tax (GST) ranging from 18% depending on classification, applied under the Central Goods and Services Tax Act, 2017 and State GST Acts.
Japan: Consumption Tax at 10% under the Consumption Tax Act (Shōhizei-hō), applicable to digital services provided to Japanese consumers.
UAE: Value Added Tax at 5% under Federal Decree-Law No. 8 of 2017 on Value Added Tax.
Saudi Arabia: VAT at 15% under the Value Added Tax Law (Royal Decree No. M/113, 2017), administered by the Zakat, Tax and Customs Authority (ZATCA).

4. Currency Selection

You will select your preferred billing currency (ZAR, GBP, or USD) upon initial subscription. For enterprise clients in other regions, additional currencies may be supported (EUR, CAD, AUD, SGD, INR, JPY, AED, SAR), subject to Legi Check's availability. Please note that your chosen billing currency cannot be changed mid-subscription and will remain fixed for the entire duration of your current subscription term.

4. Cancellation Process: Empowering Your Choices

By Contacting Support: Send an email to our dedicated support team at [email protected] Please include your account details to expedite the process.

Legal Note on Your Right to Cancel:

Your ability and rights regarding subscription cancellation are expressly governed by the following key legislative acts in their respective jurisdictions:

South Africa: Section 14 of the Consumer Protection Act 68 of 2008 (CPA), granting consumers the right to cancel fixed-term agreements with 20 business days' notice, subject to reasonable cancellation penalties.
United Kingdom: Regulations 29-36 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, together with the Consumer Rights Act 2015, which provide a 14-day cooling- off period for distance contracts and regulate ongoing subscription cancellations.
United States: The Federal Trade Commission Act (FTC Act) and applicable state-level consumer protection laws (such as California's Automatic Renewal Law and New York General Business Law §527), which regulate recurring billing, cooling-off rights, and unfair contract terms.
European Union: The Consumer Rights Directive (2011/83/EU), which guarantees a 14-day withdrawal (cooling-off) right for distance contracts and imposes transparency obligations on cancellation processes; supplemented by the Unfair Contract Terms Directive (93/13/EEC).
Brazil: Article 49 of the Consumer Defence Code (CDC) grants consumers a 7-day right of withdrawal for purchases made online or outside a commercial establishment. Subscription cancellation terms must also comply with the Lei Geral de Proteção de Dados (LGPD) in respect of transparency and fairness.
Canada: Provincial consumer protection statutes govern subscription cancellations, including the Ontario Consumer Protection Act, 2002 and Quebec Consumer Protection Act, which impose strict requirements on renewal notices, contract disclosures, and penalties for non-compliance.
Australia: The Australian Consumer Law (Competition and Consumer Act 2010, Schedule 2) prohibits unfair contract terms, mandates transparency in subscription renewals, and enforces remedies for failure to properly disclose cancellation terms.
Singapore: The Consumer Protection (Fair Trading) Act (CPFTA), read with the Personal Data Protection Act 2012 (PDPA), requires clear disclosure of cancellation terms and grants consumers protection against unfair subscription practices.
India: The Consumer Protection Act 2019 prohibits unfair trade practices and misleading terms in subscription agreements; the E-commerce Rules 2020 further mandate disclosure of cancellation and refund processes.
Japan: The Act on Specified Commercial Transactions (ASCT) regulates subscription contracts, ensuring consumers are informed of their right to cancel, while the Act on the Protection of Personal Information (APPI) requires fair handling of cancellation-related data.
United Arab Emirates (UAE): The Federal Law No. 24 of 2006 (Consumer Protection Law, as amended) and PDPL (2021) oblige service providers to disclose fair cancellation rights and protect consumers against hidden terms.
Saudi Arabia: The Consumer Protection Regulations and the Personal Data Protection Law (PDPL, 2023 amendments) require that cancellation rights be transparent and enforceable, ensuring consumers are not locked into unfair or undisclosed automatic renewals.

5. Access & Data After Cancellation: Protecting Your Information

Understanding what happens to your access and data after cancellation is paramount for transparency and data privacy.

5.1 Access After Cancellation

Continued Access: Upon cancellation, your access to Legi Check services will continue until the end of your current paid subscription term. For example, if you cancel a monthly subscription on the 10th of the month, and your billing cycle ends on the 30th, you will retain full access until the 30th.

Account Deactivation: After the expiration of your paid term, your Legi Check account will be deactivated. This will result in the suspension of access to all subscription-dependent features, including but not limited to your user dashboards, historical audit logs, and specialized rewrite tools.

5.2 Data Retention Policy: Your Data, Our Responsibility

At Legi Check, we prioritize your data privacy and adhere to strict data retention protocols:

By default, Legi Check stores the documents you upload to our platform in secure, encrypted environments. Documents are retained to enable ongoing compliance monitoring, access to historical audits, and version comparisons.

Basic Metadata Retention: We retain minimal basic metadata, such as log history and records of compliance events, for a period of 30 days. This limited retention period is maintained unless a longer retention is specifically required for legitimate audit purposes, billing reconciliation, or under strict legal or regulatory obligations.

Security & Compliance:

All document storage and retention practices are aligned with global legal requirements, including:

European Union / United Kingdom: GDPR (Articles 5, 32, 44-49) & UK GDPR require storage limitation, purpose limitation, and appropriate security (encryption, access controls).
South Africa: POPIA (Sections 13-19) requires lawful purpose specification and secure retention of personal information.
United States: State privacy laws (CCPA/CPRA, VCDPA, CPA, CTDPA, UCPA) require clear disclosure of retention practices, and sectoral laws (HIPAA, GLBA) may apply depending on data type.
Brazil: LGPD (Articles 15-16) mandates that data be stored only for as long as necessary for the purpose of processing or legal obligations.
Canada: PIPEDA and Quebec Law 25 require that personal information be retained only as long as necessary, with transparency regarding storage practices.
Australia: APP 11 (Privacy Act 1988) requires entities to protect data in storage and destroy/de-identify it when no longer needed.
Singapore: PDPA 2012 mandates secure retention and prohibits keeping data longer than necessary for business or legal purposes.
India: DPDP Act 2023 emphasizes storage limitation and requires businesses to erase data once consent is withdrawn or purpose is complete.
Japan: APPI requires businesses to specify and limit retention periods, with obligations for secure management.
UAE & Saudi Arabia: PDPL regimes require strict storage limitation, local hosting requirements in some cases, and regulator approval for certain transfers.

User Rights:

You may request deletion or export of stored documents at any time, subject to applicable legal or regulatory retention requirements (tax, audit, or dispute resolution laws).
Retention periods are disclosed in your subscription or enterprise agreement and comply with the minimum necessary principle under global data protection laws.

5.3 Data Security & Use: Unwavering Commitment

Your trust is paramount. Legi Check maintains an unwavering commitment to the security and ethical use of your data:

No Sale or Sharing: We guarantee that your data will never be sold, rented, or shared with third parties without your explicit, informed consent.
No AI Training: Crucially, your data will never be used to train any Artificial Intelligence (AI) models or for any similar analytical purposes that are not directly related to providing and improving the Legi Check service to you.

Robust Data Protection Controls

We implement and maintain stringent technical and organizational data protection controls, meticulously aligned with the highest standards set forth by:

South Africa: Protection of Personal Information Act (POPIA) - Sections 19-22 on security safeguards and notification of security compromises.
United Kingdom: UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, requiring appropriate technical and organizational measures, encryption, access restrictions, and breach reporting.
United States: California Privacy Rights Act (CPRA), as well as other state privacy frameworks (VCDPA, CPA, CTDPA, UCPA), requiring reasonable security procedures to protect consumer data.
European Union: General Data Protection Regulation (GDPR) -Article 32 (security of processing), Article 25 (privacy by design and by default), and Articles 33-34 (breach notification).
Brazil: Lei Geral de Proteção de Dados (LGPD) -Article 46 requires controllers and processors to adopt security, technical, and administrative measures to protect data.
Canada: PIPEDA (Schedule 1, Principle 7: Safeguards) and Quebec Law 25, which mandate proportionate technical and organizational security measures and privacy impact assessments.
Australia: Privacy Act 1988 and Australian Privacy Principle (APP) 11, which require entities to protect data from misuse, interference, loss, unauthorized access, modification, or disclosure.
Singapore: Personal Data Protection Act 2012 (PDPA SG) - Sections 24-26 on protection, retention, and disposal obligations.
India: Digital Personal Data Protection Act 2023 (DPDP) - Section 8 requires data fiduciaries to implement reasonable security safeguards to prevent personal data breaches.
Japan: Act on the Protection of Personal Information (APPI) - Article 23 requires implementation of necessary and appropriate measures for prevention of leakage, loss, or damage of personal data.
United Arab Emirates: Federal Decree-Law No. 45 of 2021 (PDPL UAE) - Article 7 requires businesses to implement adequate technical and organizational measures.
Saudi Arabia: Personal Data Protection Law (PDPL, 2023 amendments) Articles 29-31 impose obligations on data controllers to maintain adequate security measures and breach notification protocols.

Comprehensive Privacy Policy: For a detailed and exhaustive explanation of our data handling practices, please refer to our dedicated Privacy Policy document.

5.4 Right to Be Forgotten: Your Control Over Your Data

You have the right to request the deletion of your personal data.

Requesting Deletion:

You may formally request the deletion of your account and the complete erasure of your associated personal data by contacting our privacy team directly at [email protected].

Processing Time:

Upon receiving a valid request, we will endeavour to complete the deletion process within 30 days, subject to any overriding legal or regulatory retention requirements (financial records, tax obligations, dispute resolution) that may apply.

Global Legislative Alignment:

European Union: GDPR (Article 17) grants the "Right to Erasure," requiring controllers to erase data without undue delay, subject to lawful retention exceptions.
United Kingdom: UK GDPR and Data Protection Act 2018 mirror GDPR obligations, with oversight by the ICO.
South Africa: POPIA (Section 24) allows individuals to request deletion of personal information that is excessive, irrelevant, or unlawfully obtained.
United States: CCPA/CPRA grant California residents the right to request deletion of personal information, with exceptions for security, compliance, or legal obligations. Similar rights exist under other state privacy laws (VCDPA, CPA, CTDPA, UCPA).
Brazil: LGPD (Article 18, VI) grants the right to deletion of unnecessary or excessive data, or data processed unlawfully.
Canada: PIPEDA requires data to be retained only as long as necessary; Quebec Law 25 introduces a formal right to de-indexation and deletion.
Australia: APP 11.2 requires entities to destroy or de-identify data once no longer needed; while not framed as a strict "erasure" right, individuals may request deletion.
Singapore: PDPA requires organizations to cease retention once the purpose has been fulfilled and grants individuals rights to request deletion where reasonable.
India: DPDP Act 2023 grants Data Principals the right to erasure when consent is withdrawn or the purpose is complete, subject to lawful obligations.
Japan: APPI allows individuals to request deletion or suspension of use if data is obtained improperly or no longer necessary.
United Arab Emirates: PDPL (2021) requires businesses to erase personal data upon request, unless legal or regulatory obligations require retention.
Saudi Arabia: PDPL (2023 amendments) provides individuals with the right to erasure, subject to limitations where continued retention is required by law or regulation.

6. Refund Exceptions: Specific Conditions for Reimbursement

While Legi Check subscriptions are generally non-refundable, we acknowledge and adhere to specific circumstances where refunds are warranted and legally mandated.

Refunds are not typically issued for subscription cancellations, except under the following specific conditions:

Duplicate Charges or Billing Errors: If you have been inadvertently charged twice for the same subscription period or if there is a verifiable billing error on our part.
Charges After Confirmed Cancellation: If you receive a charge after you have successfully and definitively cancelled your subscription in accordance with our stated cancellation process and prior to your renewal date.
Refunds Mandated by Consumer Protection Legislation: Where a refund is explicitly required by applicable consumer protection laws and regulations. Examples include, but are not limited to:

United Kingdom: Regulation 30 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (in cases of service non-provision).
South Africa: Section 17 of the Consumer Protection Act 68 of 2008 (for certain material failures or breaches).
United States: Specific regulations such as 16 CFR 429 (FTC Cooling-Off Rule) or state-specific refund laws (e.g., California Automatic Renewal Law).
European Union: The Consumer Rights Directive (2011/83/EU) provides a 14-day withdrawal right (cooling- off period) for distance contracts, requiring refunds within 14 days of cancellation where applicable.
Brazil: Article 49 of the Consumer Defence Code (CDC) grants a 7-day withdrawal right for online contracts, with mandatory refund in cases of cancellation within this period.
Canada: Provincial laws such as the Ontario Consumer Protection Act (2002) and the Quebec Consumer Protection Act require refunds in cases of billing errors, non-performance of services, or unlawful contract terms.
Australia: Under the Australian Consumer Law (Competition and Consumer Act 2010, Schedule 2), consumers are entitled to refunds where services fail to meet guarantees ( not delivered, not as described, or unfit for purpose).
Singapore: The Consumer Protection (Fair Trading) Act (CPFTA) and Lemon Law amendments require refunds, repairs, or replacements where services are not provided as contracted.
India: The Consumer Protection Act 2019 and E-Commerce Rules 2020 mandate refunds for defective or non-delivered digital services, or where contract terms are unfair.
Japan: The Act on Specified Commercial Transactions (ASCT) provides refund rights in cases of improper solicitation, misrepresentation, or service non-performance.
United Arab Emirates: The Consumer Protection Law (Federal Law No. 24 of 2006, as amended) entitles consumers to refunds in cases of defective services or non-provision.
Saudi Arabia: The Consumer Protection Regulations require refunds where services are not provided, or where unfair commercial practices invalidate the contract.

To request a refund exception:

You must contact our billing department at [email protected] within 14 days of your last charge date. Your request must include comprehensive details and proof of the issue (screenshots of duplicate charges, cancellation confirmation emails). All requests will be reviewed on a case-by-case basis and processed in accordance with applicable legal obligations.

7. Legal Disclosures: Foundation of Our Policy

Global Compliance Disclosures:

This policy is meticulously crafted to comply with the following foundational legal frameworks across all major jurisdictions where Legi Check operates:
European Union: General Data Protection Regulation (GDPR - Regulation (EU) 2016/679): Governing lawful processing, security, cross-border transfers, and user rights.
Consumer Rights Directive (2011/83/EU): Establishing cancellation and refund rights for distance contracts, including digital services.
Unfair Contract Terms Directive (93/13/EEC): Prohibiting unfair terms in consumer subscription agreements.
ePrivacy Directive (2002/58/EC): Governing cookies, electronic marketing, and related consent requirements.
Brazil: Lei Geral de Proteção de Dados (LGPD - Law No. 13,709/2018): Articles 6-22, establishing lawful bases, user rights, and retention limits.
Consumer Defence Code (CDC - Law No. 8,078/1990): Article 49, granting a 7-day cooling-off period for online contracts and refunds where applicable.
Canada: Personal Information Protection and Electronic Documents Act (PIPEDA): Federal law governing fair information practices.
Quebec Law 25 (2023): Modernizing privacy laws with new requirements on consent, breach reporting, privacy impact assessments, and the right to deletion.
Provincial Consumer Protection Laws (Ontario Consumer Protection Act, Quebec Consumer Protection Act): Regulating renewals, disclosures, and refunds.
Australia: Privacy Act 1988 (incorporating the Australian Privacy Principles -APPs): Governing collection, use, and secure retention of personal data.
Competition and Consumer Act 2010 (Australian Consumer Law): Prohibiting unfair contract terms and ensuring transparency in digital subscriptions.
Singapore: Personal Data Protection Act 2012 (PDPA): Governing data protection, access, and correction rights.
2021 Amendments (Mandatory Breach Notification): Imposing obligations to notify users and the Personal Data Protection Commission (PDPC) of significant data breaches.
Consumer Protection (Fair Trading) Act (CPFTA): Protecting consumers against unfair subscription terms.
India: Digital Personal Data Protection Act 2023 (DPDP): Establishing lawful basis, consent requirements, and rights of Data Principals including erasure.
Consumer Protection Act 2019 & E-Commerce Rules 2020: Requiring clear disclosure of subscription terms, cancellation rights, and refund obligations.
Japan: Act on the Protection of Personal Information (APPI, 2022 amendments): Governing cross-border transfers, user rights, and breach notifications.
Act on Specified Commercial Transactions (ASCT): Requiring disclosure of subscription conditions and consumer cancellation rights.
United Arab Emirates (UAE): Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL): Imposing obligations on lawful processing, transfers, and storage.
Consumer Protection Law (Federal Law No. 24 of 2006, as amended): Requiring transparency in subscription billing and refunds.
Saudi Arabia: Personal Data Protection Law (PDPL – Royal Decree M/19 of 2021, amended 2023): Requiring consent-based processing, local data storage, and erasure rights.
Consumer Protection Regulations: Governing subscription terms, renewals, and refunds.

Key Operating Regions:

South Africa: Consumer Protection Act 68 of 2008 (CPA): Section 14 governs fixed-term agreements, renewals, and cancellation rights. Protection of Personal Information Act 4 of 2013 (POPIA): Governing the lawful processing, retention, and protection of personal data.
United Kingdom: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013: Providing cancellation and withdrawal rights for digital services. Consumer Rights Act 2015: Governing unfair contract terms and consumer protections.
UK General Data Protection Regulation (UK GDPR): Governing processing, storage, and rights of individuals.
United States: Federal Trade Commission Act (FTC Act): Encompassing broad consumer protection authority, including billing and marketing practices.
California Consumer Privacy Act (CCPA) & California Privacy Rights Act (CPRA): Establishing robust consumer rights including access, deletion, and opt-out rights. State-Specific Refund and Sales Tax Laws: Compliance with varying state-level consumer rights obligations.

8. Contact & Support: We're Here to Help

Our dedicated compliance and billing team is readily available to provide comprehensive assistance and address any queries you may have. Please feel free to reach out to us for:

Subscription inquiries: Questions about your plan, renewal dates, or services.

Refund requests: Inquiries regarding eligibility for refunds or to submit a refund exception request.

Data protection matters: Concerns or requests related to your personal data, privacy, or data deletion requests.

General Support & Billing Inquiries: [email protected]

For Data Protection & Privacy Concerns (including Right to Be Forgotten requests): [email protected]

We encourage you to review this policy periodically, as it may be updated to reflect changes in our services or legal requirements. Your continued use of Legi Check implies acceptance of this policy.