Refund & Cancellation Policy

1. Overview

This policy explains how billing, cancellation, and refunds work for IdGenum subscriptions. Unless otherwise stated at checkout, paid subscriptions renew automatically for the same billing interval until you cancel. The specific price, billing frequency, and any applicable fees for your plan are shown on the pricing or checkout page before you purchase.

2. Basic Protection (Annual)

If Basic Protection is purchased as an annual plan, the annual subscription fee is non-refundable after payment, except where:

• a refund is required by applicable law;
• there is a verified duplicate or erroneous charge; or
• IdGenum expressly agrees otherwise.

Canceling Basic Protection stops future renewal. Your account and applicable paid features remain active through the end of the already-paid annual subscription period. The non-refundable nature of the annual plan is disclosed before purchase.

3. Monthly Plans

For monthly subscription plans:

• you may cancel at any time through the available billing controls;
• cancellation stops the next renewal;
• your account and applicable paid features remain active through the end of the current paid monthly billing period; and
• no prorated refund is issued for the partially used current month, except where required by law or for a verified billing error.

4. Prepaid or Multi-Period Plans

If a plan is prepaid for a period extending beyond the current monthly service period and that plan is eligible for prorated refunds, cancellation generally takes effect at the end of the current monthly service period. Any eligible refund is based on the unconsumed prepaid portion remaining after that date, less any applicable processing or termination fee disclosed at the time of purchase. The calculation method and applicable fee may vary by plan.

5. Legacy Standard and Legacy Premium

Legacy Standard and Legacy Premium follow the same general cancellation approach:

• service remains active through the end of the current monthly service period;
• the current month is not refunded;
• any eligible unused prepaid amount after the current service period may be refunded; and
• the refund may be reduced by an applicable Legacy termination processing fee disclosed at purchase.

The Legacy termination fee may differ from fees applicable to other subscription plans.

6. Refund Timing

Approved refunds are returned using the payment method or payment process supported by IdGenum's payment provider. Processing times may vary by payment provider or financial institution.

7. Payment Failures

If payment fails or becomes past due, IdGenum may retry the charge, request updated payment information, restrict paid functionality, or suspend the applicable subscription. IdGenum will not intentionally prevent a user from canceling a subscription because of a payment dispute.

8. Legacy Plans Are Individual-Only

At launch, Legacy Standard and Legacy Premium subscriptions are available only to the individual subscriber whose IdGenum persona and account are associated with the plan. A Legacy subscription does not create a will, trust, beneficiary designation, power of attorney, or other estate-planning instrument. Any beneficiary, legacy contact, continuity, or inheritance functionality is a technology or record-management feature unless expressly stated otherwise. You are responsible for obtaining independent legal advice regarding wills, trusts, estate planning, and related arrangements.