Refund Policy

Last updated: 15 August 2026

This policy explains how subscription charges, upgrades, and cancellations are handled for Credufy Voice plans billed through Paystack (Naira) or Paddle (US dollars).

Who charges you

US dollar payments are handled by Paddle.com Market Ltd as merchant of record. Charges from Paddle appear on your card or bank statement as PADDLE.NET* followed by a Credufy reference — not as "Credufy" alone. Naira payments are handled by Paystack and appear as Credufy Technologies Limited.

Subscription charges

Paid plans are billed in advance for each monthly billing cycle. Included minutes for that cycle are made available immediately on payment and do not roll over if unused.

Cancellations

• You can cancel your subscription at any time from the Billing page.
• Cancelling stops future billing but does not refund the current cycle — you keep access and included minutes until the end of the period you already paid for.
• Downgrading to a lower plan takes effect at the start of your next billing cycle, not immediately.

Refund eligibility

We consider refunds for a paid subscription charge in these cases:

• A duplicate or accidental charge caused by a billing error on our end.
• A service outage that materially prevented you from using the plan you paid for during that cycle.
• A request made within 7 days of the initial charge on a new subscription, where you have used less than 10% of your included minutes.

Outside these cases, charges for the current billing cycle are generally non-refundable, since included minutes are made available in full at the start of the cycle.

Your statutory rights

Nothing in this policy limits rights you have under the consumer law that applies to you. If you are a consumer in the United Kingdom or the European Economic Area, you may have a statutory right to cancel a purchase of digital services within 14 days. Where such a right applies, it takes precedence over the eligibility rules above and is honoured by Paddle as merchant of record.

Pay-as-you-go credits and add-ons

Voice Studio credit purchases and add-ons, such as extra voice clone slots, are non-refundable once the credit or slot has been used to generate audio or create a clone. Unused, unexpired credit balances may be refunded within 7 days of purchase on request.

How to request a refund

Email hello@credufy.com or call +234 906 988 7022 with your account email and the charge you are referring to. We aim to respond within 3 business days. Approved refunds are returned to your original payment method through Paystack or Paddle.

If you paid in US dollars you may also raise the request directly with Paddle, the merchant of record, at paddle.net, using the reference on your statement. Contacting either of us is enough — please do not open a bank chargeback before giving us the chance to resolve it.