Refund Policy

1. Overview

This Refund Policy explains how refunds work for purchases made on VantaROI.ai, including recurring subscriptions and one-time report packs. Because all payments on the Service are made in cryptocurrency and processed by NOWPayments, a third-party payment processor, refunds work differently than they do with card payments. Please read this policy carefully BEFORE completing a purchase. By completing checkout, you acknowledge and accept this policy, which forms part of our Terms of Service.

2. How Crypto Payments Work on VantaROI

At checkout, NOWPayments generates a payment address and an amount denominated in your chosen cryptocurrency. Once you broadcast the transaction and it is confirmed on the blockchain, the payment is final at the network level: blockchain transactions are irreversible by design, and neither VantaROI nor NOWPayments can reverse, cancel, or claw back a confirmed on-chain transaction. There is no chargeback mechanism equivalent to card networks. For this reason, please double-check the asset, network, address, and amount before sending funds.

3. General Rule: Confirmed Payments Are Non-Refundable

Except as expressly set out in Section 4 or as required by applicable law, all confirmed cryptocurrency payments are final and non-refundable. This includes, without limitation: (a) change of mind after a subscription period has started or a report pack has been unlocked; (b) dissatisfaction with AI-generated projections or plans, including projections that differ from your actual results — all outputs are estimates, not guarantees, as described in our Disclaimer; (c) failure to use the Service during a paid period; (d) fluctuations in the market value of the cryptocurrency you paid with; and (e) suspension or termination of your account for violation of our Terms of Service.

4. Exceptions: When We Will Make It Right

We want billing to be fair. We will review, and where verified will remedy, the following situations:

• Duplicate payments. If you were charged twice for the same order (for example, a double-send to the same payment invoice), we will refund the duplicate amount or credit it to your account, at your choice.
• Failed unlocks. If your payment was confirmed on-chain but the corresponding subscription or report pack was not activated on your account (for example, due to a webhook or system failure), we will first attempt to activate the purchase. If we cannot deliver what you paid for within a reasonable time, we will issue a refund for the undelivered item.
• Wrong amount edge cases. Underpayments and overpayments are handled according to NOWPayments' processing rules; where an overpayment reaches us and is verifiable, we will refund the excess or credit it to your account.
• Legal requirements. Where the consumer protection law of your jurisdiction grants you a mandatory refund or cancellation right that cannot be waived, we will honor it. Note that in many jurisdictions, statutory withdrawal rights for digital content lapse once you consent to immediate delivery and the content is delivered (for example, once a report pack is generated and unlocked).

5. How Refunds Are Paid

Approved refunds are paid in cryptocurrency. Unless the law requires otherwise, refunds are denominated in the cryptocurrency amount originally received (or its equivalent as processed through NOWPayments), not in the fiat value at the time of purchase, and we are not responsible for exchange-rate movements between purchase and refund. Network transaction fees for sending the refund may be deducted where permitted by law. You must provide a valid receiving wallet address for the correct asset and network; funds sent to an address you supply incorrectly cannot be recovered.

6. Subscription Cancellations

You may cancel your subscription at any time from your account settings or by contacting support. Cancellation stops future renewal payments; it does not refund the current billing period, and you retain access to paid features until the end of the period already paid for. Because crypto payments are not automatically recurring in the same way as card billing, a renewal only occurs when you complete a new payment; simply not paying for the next period will also end your subscription at the close of the current period.

7. How to Request a Refund

Send a request to support@vantaroi.ai from the email address on your account within 14 days of the payment, including: (a) your order ID; (b) the blockchain transaction hash (TXID); (c) the asset and network used; (d) a description of the issue; and (e) for approved refunds, your receiving wallet address. We aim to acknowledge requests within 2 business days and to resolve verified claims within 10 business days. We may ask for additional information to verify the transaction and prevent fraud.

8. Fraud and Abuse

We reserve the right to refuse refunds where we reasonably suspect fraud, abuse of this policy, repeated refund claims, or violations of our Terms of Service, except where a refund is required by law.

9. Changes to This Policy

We may update this Refund Policy from time to time. The version in effect at the time of your purchase applies to that purchase. Material changes will be reflected in the "Last updated" date above.

10. Contact

For billing questions or refund requests, contact support@vantaroi.ai. Please include your order ID in all correspondence so we can help you faster.