Legal
Effective date: From the date this version is first published by FOUNDORX.
How paid access to FPTF works:
FPTF has no recurring subscription and no free trial. You buy the FPTF core once, and you keep lifetime access to that continuing core.
There is no voluntary refund window, and none should be read into this policy. The statutory withdrawal period described below is a different thing: it is a right some customers hold under the law that applies to them, not an offer FOUNDORX is making, and it is stated here because the law requires it to be stated.
Nothing in this policy excludes, restricts or modifies consumer guarantees or other rights/remedies that cannot lawfully be excluded.
We do not use blanket wording such as "no refunds under any circumstances", and we do not impose an artificial deadline that purports to extinguish rights which cannot lawfully be excluded.
People use the word "refund" for four separate positions. They are not alternatives to one another, and none of them overrides another.
| What it is | When it applies | Who decides it | |
|---|---|---|---|
| 1. Voluntary change-of-mind refund | A refund offered as a commercial courtesy | Never — FOUNDORX does not offer one | FOUNDORX |
| 2. Australian Consumer Law remedies | Statutory consumer guarantees and remedies | Where a consumer guarantee is not met | The law |
| 3. EU statutory withdrawal | The right to withdraw from a distance contract without giving a reason | Where EU consumer law applies to that customer's purchase | The law |
| 4. UK statutory cancellation | The equivalent right to cancel a distance contract | Where UK consumer law applies to that customer's purchase | The law |
Position 1 is FOUNDORX's own commercial policy and is unchanged. Positions 2, 3 and 4 are rights customers hold independently of that policy, and FOUNDORX cannot contract out of them.
Where the law applicable to you gives you a statutory right to withdraw from or cancel a distance contract, you have that right and this policy does not reduce it. This commonly applies to consumers in the European Union and the United Kingdom. It is stated this way deliberately: not every visitor who can reach FPTF from those regions necessarily qualifies, and FOUNDORX does not claim to decide the question for you.
Where the right applies:
That no-deduction position is a FOUNDORX operating decision. Some laws would permit a proportionate deduction where a customer asked for the service to start early; FOUNDORX has chosen not to take one, because a single clear outcome is easier for a customer to understand and easier for FOUNDORX to apply consistently.
This does not create a refund right for anyone else. A customer to whom no such statutory right applies does not gain one from this section, and this section does not alter the no-voluntary-change-of-mind position above.
Tell FOUNDORX clearly, within the applicable period, that you are withdrawing from or cancelling the contract. A clear statement is enough — you do not have to use any particular form of words.
You do not have to use these forms. Under EU law you may use the model withdrawal form below or any other unequivocal statement communicating your decision to withdraw. Under UK law you may use a form following the model cancellation form below or any other clear statement setting out your decision to cancel. Either way, telling us clearly within the applicable period is what counts.
There are two forms, kept separate because the statutory wording genuinely differs: the EU form says *withdraw* and *provision of the following service*, the UK form says *cancel* and *supply of the following service*. They are not merged, because a combined form would be neither of the official ones.
Trader details to be inserted where each form says so:
FPTF is a service, so the service option applies and the goods option is the one to delete. The forms are reproduced below in their official form, including both options, rather than edited down.
*Source: Directive 2011/83/EU, Annex I, Part B (official EUR-Lex publication).*
Model withdrawal form
(complete and return this form only if you wish to withdraw from the contract)
To [here the trader's name, geographical address and, where available, his fax number and e-mail address are to be inserted by the trader]:
I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract of sale of the following goods (*)/for the provision of the following service (*),
Ordered on (*)/received on (*),
Name of consumer(s),
Address of consumer(s),
Signature of consumer(s) (only if this form is notified on paper),
Date
(*) Delete as appropriate.
*Source: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, SI 2013/3134, Schedule 3, Part B (official legislation.gov.uk publication).*
Model cancellation form
To [here the trader's name, geographical address and, where available, fax number and e-mail address are to be inserted by the trader]:
I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract of sale of the following goods [*]/for the supply of the following service [*],
Ordered on [*]/received on [*],
Name of consumer(s),
Address of consumer(s),
Signature of consumer(s) (only if this form is notified on paper),
Date
[*] Delete as appropriate.
Both forms are complete. FOUNDORX's geographical address appears in each form above and in the contact details below, so either form can be sent as the law contemplates.
FPTF has no subscription, no renewal and no recurring charge, so there is nothing to cancel in the billing sense: there is one payment, and it does not repeat. Access to the FPTF core is not time-limited and does not lapse, so it does not need to be renewed or kept alive.
If FOUNDORX ever introduces recurring billing, it would first need its own published terms — including where and how the user cancels, any real cut-off before renewal, when billing stops, whether access continues to a paid-through date, whether cancellation and refund are separate actions, what confirmation the user receives, and what support path exists if self-service cancellation fails. Such an implementation must not advertise easy online cancellation while forcing the user into a materially harder undisclosed process. None of that describes FPTF today.
You can reach us at info@frompaycheck2freedom.com, which we monitor.
We ask only for what we reasonably need to find the transaction and understand the problem — for example the email on your account, a transaction reference, the date or amount, and a description of what went wrong. Never request full card details.
We assess, as applicable:
FOUNDORX offers no voluntary change-of-mind refund beyond legal requirements. If we ever introduce one, we will state its scope, method and exclusions clearly, and it will not diminish non-excludable rights.
This is position 1 in the table above. It does not limit positions 2, 3 or 4, and a request that engages one of those must not be refused on the basis of this paragraph.
We will:
1. acknowledge the request through the approved channel; 2. identify the transaction without collecting unnecessary sensitive data; 3. preserve relevant evidence; 4. assess the issue against the positions set out in this policy; 5. issue any provider action only through the approved secure process; 6. record the provider-confirmed refund status; 7. give the user an accurate written outcome.
We do not publish a guaranteed response time. We aim to acknowledge and respond to refund and complaint contacts as promptly as reasonably practicable. Where a refund is approved, the time it then takes to reach you is set by your payment provider and your bank, and is outside FOUNDORX's control.
FOUNDORX Pty Ltd Billing/support: info@frompaycheck2freedom.com ACN 699 504 517 Location: Lakelands, Western Australia