Refund Policy

1. Overview & Merchant of Record

ChatCoat ("we," "our," or "us"), operated by Sami Ullah, provides multi-platform social media campaign automation, publishing, and lead capture software.

All payment transactions, order processing, and subscription billing for ChatCoat services are conducted by our Merchant of Record and payment provider, Paddle.com ("Paddle", Paddle.com Market Ltd or its designated operating affiliate). Paddle is responsible for payment collection, order fulfillment, invoicing, receipts, and calculating, collecting, and remitting applicable sales tax, VAT, and GST. As Merchant of Record, Paddle manages transaction refunds through its systems in accordance with this policy, the Paddle Buyer Terms, Paddle Refund Policy, and applicable law.

3. Cancellation vs. Refund (Important Distinction)

Please note the operational distinction between canceling a subscription and requesting a refund:

4. How to Request a Refund

Because Paddle is the Merchant of Record, customers have multiple convenient avenues to request a refund for eligible transactions:

Note: ChatCoat coordinates and instructs refunds with Paddle, but all monetary refunds are executed through Paddle's banking and payment network systems directly to your original payment method.

5. Refund Processing & Estimated Timeline

When a refund is approved and issued through Paddle:

• Original Payment Method: Refunds are returned to the original payment method used at checkout (credit card, debit card, PayPal, Apple Pay, or Google Pay).
• Estimated Timeline: The time required for the credit to appear on your account depends on your payment provider and banking institution. For example, card refunds typically take an estimated 3 to 10 business days, while PayPal credits often appear within 48 hours. These timeframes are estimates and not guaranteed processing schedules.
• Confirmation Notice: Paddle issues an automated confirmation email and credit memo once the refund has been initiated in their system.
• Applicable Taxes: Where applicable by local law and tax regulations, sales tax, VAT, or GST originally collected on an approved refunded transaction will be refunded through Paddle in accordance with applicable tax rules.

6. Billing Inquiries & Disputes

If you observe an unexpected charge or have questions about a payment, we encourage you to contact ChatCoat Support at support@chatcoat.com or Paddle Buyer Support at paddle.net first. Most inquiries, accidental renewals, or duplicate charges can be resolved quickly and smoothly through direct communication.

Contacting us or Paddle first does not limit, waive, or prejudice any cardholder, statutory, or consumer rights you may have under applicable card-network rules or consumer protection laws, including your right to contact your issuing bank or payment provider.