Refund Policy

1. General

1.1. This Refund Policy (the “Policy”) explains when and how you may request a refund for purchases made on healthcoacher.app (the “Website”). It forms an integral part of our Terms and Conditions.

1.2. The Policy applies to all digital services sold on the Website, including introductory trial offers and recurring subscription plans (together, the “Services”).

1.3. The Website and the Services are operated by VRCFORGE STUDIOS LTD, referred to as “we,” “us,” or “our.”

2. Digital Services and the Right of Withdrawal

2.1. If you are a consumer resident in the European Union, the European Economic Area or the United Kingdom, you have a statutory right to withdraw from your purchase within 14 (fourteen) days, without giving any reason and without penalty, counted from the day the contract is concluded (the day of purchase). For consumers resident elsewhere, we grant a contractual withdrawal period of 5 (five) days from the day of purchase.

2.2. The Services are digital content and digital services supplied to you immediately after payment, before the withdrawal period ends. Under applicable consumer law, the right described in clause 2.1 is lost for such content only where all three of the following are true: (a) you gave your prior express consent for the supply to begin during the withdrawal period; (b) you acknowledged that you would thereby lose your right of withdrawal; and (c) we confirmed that consent and that acknowledgement to you on a durable medium, such as your order confirmation email. Where we have not obtained all three, your right of withdrawal under clause 2.1 continues to apply in full and we reimburse you in accordance with clause 2.5.

2.3. Separately from clause 2.1, if the Services are not as described, are faulty or do not work as they should, you may request a refund by writing to support@healthcoacher.app. Describe the issue and attach visual proof (screenshots or a screen recording) where you can. This is in addition to, and does not replace, the statutory rights described in clause 7.2.

2.4. How to withdraw. To exercise the right in clause 2.1, send us a clear statement of your decision before the period ends — by email to support@healthcoacher.app, or by using the model form in clause 2.7. It is enough that you send the statement before the deadline expires. Cancelling on our cancellation page stops future renewals; to withdraw from a payment already taken, send us the statement described in this clause.

2.5. Effect of withdrawal. If you withdraw in time, we reimburse all payments received from you for the purchase concerned without undue delay, and in any event no later than 14 (fourteen) days after the day we are informed of your decision. We use the same means of payment you used for the purchase, and you are charged no fee for the reimbursement. Where we did not obtain the consent, acknowledgement and confirmation described in clause 2.2, you bear no cost for the Services supplied before you withdrew.

2.6. If we failed to inform you. Where we did not provide you with the information about the right of withdrawal that applicable law requires us to give, the withdrawal period is extended by up to 12 (twelve) months.

2.7. Model withdrawal form. You may use the form below, but you are not obliged to — any clear statement is enough. Send it to support@healthcoacher.app:

• To VRCFORGE STUDIOS LTD: I hereby give notice that I withdraw from my contract for the supply of the following digital service: ____________
• Ordered on: ____________
• Name of consumer: ____________
• Address of consumer: ____________
• Email address used at checkout: ____________
• Date: ____________

3. Trial Offers

3.1. The introductory trial fee is charged in exchange for immediate access to the Services during the trial period. Unless clause 2.1 or 2.3 applies or a refund is required by applicable law, all payments made under an introductory or discounted offer are final and non-refundable, non-creditable and non-proratable.

3.2. To avoid being charged the recurring subscription price after the trial ends, cancel your subscription before the end of the trial period. You can cancel at any time via our cancellation page.

4. Subscription Payments

4.1. Subscription fees, including renewal charges, are non-refundable, except where a refund is required by applicable law or clause 2.1 or 2.3 applies to the billing period concerned.

4.2. When you cancel a subscription, the cancellation takes effect at the end of the current paid period. You keep access until then, and no prorated refunds are issued for the unused part of the billing period.

5. How to Request a Refund

5.1. Send your request to support@healthcoacher.app from the email address used at purchase, and include:

• The email address used at checkout;
• The date and amount of the charge;
• The last 4 digits of the card used;
• The reason for your request together with any proof described in clause 2.3.

5.2. We review each request individually and reply within 5 business days. We may ask for additional information where needed to locate the payment or evaluate the request.

5.3. Approved refunds are issued to the original payment method within 10 business days of approval. Depending on your bank, the amount may take additional time to appear on your statement.

6. Chargebacks

6.1. If you believe a charge is incorrect, please contact us first — most billing issues are resolved much faster with our support team than through a bank dispute.

7. Your Statutory Rights

7.1. Nothing in this Policy limits or excludes any statutory rights you may have under the mandatory consumer-protection laws of your country of residence, to the extent those rights cannot lawfully be waived.

7.2. In particular, if the Services are not supplied, are not as described, or do not have the qualities and functionality you can reasonably expect, consumer law in the European Union, the European Economic Area and the United Kingdom gives you the right to have them brought into conformity and, where that is not possible or is not done within a reasonable time, to a price reduction or to terminating the contract and obtaining a refund. Nothing in clauses 3 and 4 limits those rights.

8. Contact

8.1. Questions about this Policy: support@healthcoacher.app. You can also reach us through our Help Centre.