Refund Policy
Last updated · 13.07.2026 — Effective · 01.08.2026
Draft — pending legal review
This text is a working draft and has not yet been reviewed by legal counsel. Bracketed items are placeholders. The final, binding version will be published before the effective date.
In shortNon-binding summary
Every subscription starts with a free month and no card on file — so there is usually nothing to refund.
1.The free month
Every Pakkia plan begins with a free month. We take no card during the trial and charge nothing when it ends — you pay only after you actively choose a plan. Because you will have run a full reporting cycle before your first invoice, refunds are rarely needed. This policy covers the cases where one is.
In shortNon-binding summary
Monthly fees are not refunded once a month has started. Cancel anytime to stop the next charge.
2.Monthly plans
Monthly subscription fees are non-refundable once a billing period has begun.
You can cancel at any time with one click in your account settings: the current month runs to its end, you keep full access until then, and you are never charged again. With a free month up front and no long commitment, we keep monthly billing deliberately simple rather than pro-rating partial months.
In shortNon-binding summary
Cancel a yearly plan within [30 days] of payment and we refund the unused full months, pro-rated.
3.Yearly plans
If you cancel a yearly plan within [30 days] of the payment date, we refund the unused full months of your term, pro-rated at the yearly rate; the month in which you cancel counts as used.
After that window the fee is non-refundable and cancelling stops the renewal, not the current term — your plan simply runs to the end of the paid year. The same rule applies to renewals as to first payments.
In shortNon-binding summary
Our mistake, your money back — incorrect and duplicate charges are always refunded in full.
4.Billing errors & duplicates
If we ever charge you incorrectly — a duplicate payment, a wrong amount, a charge after cancellation — we refund it in full, no questions asked. Contact us within [60 days] of the charge; once we confirm the error, we issue the refund within [5] business days.
In shortNon-binding summary
Email hello@pakkia.fi from your account email — we reply within one business day.
5.How to request a refund
Send an email to hello@pakkia.fi from the address on your account, with the date and amount of the charge. We reply within one business day (Mon–Fri · 9–17 EET).
Approved refunds always go back to the original payment method— never as vouchers or credit you didn't ask for. Once issued, banks typically take [5–10] business days to show the money.
In shortNon-binding summary
Nothing in this policy limits your statutory rights under Finnish or EU consumer law.
6.EU consumer rights
Pakkia is sold to businesses, and this policy is written for business customers. If you subscribe as a consumer, you may have a statutory 14-day right of withdrawal under EU consumer law, and nothing in this policy limits that or any other statutory right.
[How the withdrawal right interacts with the free trial and immediate access to the service is to be confirmed by counsel before launch].