Refund Policy

This Refund Policy explains when and how you can get a refund from HARPER BUSINESS CONSULTANCY LTD ("Harper", "we", "us"). It forms part of our Terms of Service. We follow Stripe's published refund and dispute processes, and we apply the rules below consistently to every customer.

Subscriptions

When you cancel a Curious, Builder, or Operator subscription, your cancellation takes effect at the end of the billing period you have already paid for. You keep access to your plan until that date. We do not refund any unused portion of the period you have already paid for. After the period ends, your subscription does not renew and we stop charging you.

We do not pro-rate downgrades. If you downgrade in the middle of a paid period, the downgrade takes effect on the next renewal date and we do not refund the difference for the unused portion.

If you have been billed in error (for example, you cancelled but were still charged because of a system fault on our side), email support@harperbusinessconsultancy.com within 30 days of the charge and we will refund the erroneous charge in full to the original payment method.

Credit Packs

Credit packs (Small, Medium, Large) are tied to specific service-usage allowances. The following rules apply.

• Within 14 days of buying a credit pack, you can request a full refund of any unused credits in that pack. Request a refund by emailing support@harperbusinessconsultancy.com with your order ID. We will refund the unused portion to the original payment method.
• After 14 days from purchase, credit packs are non-refundable.
• Credits that have already been consumed are non-refundable in any circumstance, regardless of how recently the pack was purchased.
• If a refund issued for a credit pack would otherwise reduce your usable balance below zero (because you have already spent some of those credits), we will refund only the unused portion.
• Promotional credits and complimentary credits are not eligible for a refund in any circumstance.

If your refund request relates to a digital output that you began consuming during the 14-day cooling-off period, you acknowledge that under the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and equivalent EU law, your right of withdrawal ends as soon as performance begins with your express consent.

AI Output Disputes

If an AI output is not what you expected, our standard response is to refill the credits used for that output, regenerate the output at no additional credit cost, or both. We do this to keep the cost of the Service low for everyone and because the quality of AI output depends on the inputs you provide. If you believe regeneration is not enough, contact support@harperbusinessconsultancy.com and explain the issue. We will review case by case.

We do not unconditionally refund AI outputs once they have been generated. AI outputs cost real money to produce and credits represent the service-usage allowance for that production. See the AI Disclaimer for the full statement on AI accuracy and suitability.

How to Request a Refund

1. Email support@harperbusinessconsultancy.com from the email address registered on your Harper account. 2. Include the order ID, the date of purchase, and a short description of why you are requesting a refund. 3. We will reply within seven UK business days. 4. If your request is approved, we will issue the refund through Stripe to the original payment method. Stripe typically posts the refund to your bank statement within 5 to 10 business days.

We may ask follow-up questions to verify your identity or to understand what went wrong.

Refund Method and Timing

Refunds always go back to the original payment method, in line with Stripe's published refund policy. We cannot refund to a different card, to a different account, or as a credit balance unless the original payment method is no longer reachable. Where the original method is not reachable, Stripe automatically returns the funds to our balance within 30 days and we will then arrange an alternative method with you.

Failed Refunds

If a refund fails (for example, your card has expired or your bank rejects the credit), Stripe will notify us. We will email you to arrange an alternative payment method or address. We do not pocket failed refunds. If we cannot reach you within 90 days, the funds remain held by us until you contact us, and we will reconcile and pay you out as soon as we hear from you.

Disputes and Chargebacks

If you cannot resolve an issue with our support team and you believe a charge is unauthorized or incorrect, you can dispute the charge with your card issuer. We ask that you contact us first; most issues are resolved faster by email than by chargeback. When we receive a dispute notification from Stripe, we may submit evidence such as the order record, the Terms of Service you agreed to, the timestamps of your credit consumption, the AI outputs you received, and our support correspondence with you. Stripe's dispute process and the card networks decide the outcome; the merchant cannot decide a dispute.

Statutory Rights

Nothing in this Refund Policy reduces your statutory rights as a consumer in the UK or in any other jurisdiction. If your local law gives you a stronger refund right, that stronger right applies.

Contact

For refund requests or questions, email support@harperbusinessconsultancy.com or call +44 7463 992869 during UK business hours.