Cobalt – Refund Policy

This Refund Policy explains how refunds work for Cobalt paid plans. It forms part of, and should be read with, our Terms of Service (especially Section 6, Billing). Cobalt is operated by Jakub Ludwig, IČO 88711111, Czech Republic.

Your statutory consumer rights come first. Nothing in this policy removes or limits the rights you have by law as a consumer in the EU — including the right of withdrawal (below) and remedies if the service is defective or not as described. Where this policy and your statutory rights differ, your statutory rights prevail.

1. Plans This Applies To

Cobalt offers a Free plan (no payment) and paid plans (Starter €4, Pro €9, Studio €19), billed monthly in advance. There is no annual plan. The Free plan involves no charge and so no refund.

2. Who Issues Refunds — Polar (Merchant of Record)

Paid plans are sold and processed through Polar, our Merchant of Record and seller of record. This means Polar — not Cobalt — handles payments, invoicing, EU VAT, and the actual processing of any refund. When a refund is due under this policy or by law, Cobalt authorises and instructs Polar to issue it; the refund is then processed under Polar's terms, normally back to your original payment method. Timing depends on Polar and your bank/card provider.

3. EU 14-Day Right of Withdrawal

If you are a consumer in the EU, you generally have 14 days from entering into a paid-plan contract to withdraw without giving a reason, under Directive 2011/83/EU and §§ 1829–1837 of the Czech Civil Code. To withdraw, send a clear statement to [email protected] (or to Polar) within 14 days. If you validly withdraw before the waiver in Section 4 applies, you receive a full refund of what you paid for that plan.

4. The Immediate-Service Waiver

Cobalt is a digital service (immediate online access). At checkout, you can ask us to start providing the paid Service right away — before the 14-day period ends — by ticking a separate, affirmative box in which you:

We confirm your order on a durable medium (the order confirmation Polar sends). Where all of these conditions are met, your right of withdrawal can be lost in line with § 1837 of the Czech Civil Code and Art. 16(m) of Directive 2011/83/EU.

How we apply this fairly. Because Cobalt is an ongoing monthly subscription rather than a single one-off deliverable, the point of "full performance" can be contestable. If you ask to withdraw within 14 days and the withdrawal right has not been validly lost, we will refund accordingly (potentially less a proportionate amount for service already provided at your express request, as the law allows). We will not treat the waiver as a blanket bar to a valid statutory withdrawal.

5. Cancellation vs. Refund

You can cancel at any time from your account settings or via Polar's billing portal. Cancellation stops future monthly charges; your access continues until the end of the current paid month. Cancelling mid-month does not, by itself, entitle you to a refund of the current month already paid (your access continues to month-end) — but this is subject to your statutory rights in Sections 3, 4, and 7.

6. No Pro-Rata Refund on Downgrade — Non-Destructive Over-Quota Instead

If you downgrade to a cheaper plan, the change applies from your next billing cycle and we do not issue a pro-rata refund for the remainder of the current month. Downgrading is safe for your data:

7. Charged in Error, or Service Problems

If you were charged in error (e.g. a duplicate charge, or a charge after a valid cancellation), contact [email protected] and, if confirmed, we will authorise Polar to refund the erroneous amount. If the Service is defective or materially not as described, you also have statutory remedies for digital services under Czech and EU law (including under §§ 2389a et seq. / § 2615 of the Czech Civil Code, transposing Directive (EU) 2019/770), which may include a price reduction or refund.

8. Service Discontinuation

If we discontinue the Service, we will, as set out in the Terms (Section 8.3), refund (via Polar) the unused part of any prepaid period beyond the shutdown date, on a pro-rata basis.

9. How to Request a Refund

Email [email protected] with your account email and the charge details, or manage your subscription through Polar's billing portal. We aim to respond within 5 business days.

10. Out-of-Court Dispute Resolution (Consumers)

If we cannot resolve a billing dispute directly, EU consumers may contact the Czech alternative dispute resolution body, the Czech Trade Inspection Authority (Česká obchodní inspekce, ČOI), adr.coi.cz, and for cross-border EU disputes the European Consumer Centres Network (ECC-Net), eccnet.eu. (The EU's online dispute resolution (ODR) platform was discontinued in 2025 and is no longer available.)

11. Contact

Jakub Ludwig, IČO 88711111
U Obory 1004, 675 71 Náměšť nad Oslavou, Czech Republic, Czech Republic
[email protected]