Refund & Cancellation Policy

Talkey may offer the following free trials to eligible users:

Unless you cancel before the trial period expires, your trial automatically converts into a paid subscription and the payment provider (Apple or Paddle) will charge your payment method.

Note: Free trials are generally limited to one per user account. Payment platforms may restrict repeat trial eligibility if you have previously registered a trial or active subscription.

To avoid a subscription charge, cancel your trial before it expires. We recommend cancelling at least 24 hours prior to expiration.

All Talkey subscriptions renew automatically. The annual plan renews for consecutive annual billing cycles, and the quarterly plan renews every three months, unless cancelled.

Where required by law, Apple or Paddle will send renewal reminders or price-change notices. If a price adjustment requires your explicit consent under local consumer protection laws, the increased price will not be charged until you consent or receive appropriate notice.

You may cancel a paid subscription at any time. Unless applicable law or the platform rules state otherwise:

• Cancellation stops future recurring charges.
• Cancellation does not issue a refund for prior charges.
• You retain access to premium features until the end of the paid billing period.

Deleting the Talkey App from your mobile device or deleting your Talkey user account does NOT automatically cancel an active subscription billing loop.

To avoid being charged, you must manually cancel your subscription with Apple or Paddle before deleting your account or app.

All payments made through the iOS App are processed and controlled by Apple. Apple retains final authority over refund eligibility and approvals. Talkey cannot directly issue, cancel, or approve App Store refunds.

To request an Apple refund:

1. Open Apple's Report a Problem portal: https://reportaproblem.apple.com/
2. Sign in with your Apple Account credentials.
3. Select "Request a refund" from the drop-down menu.
4. Select the relevant Talkey purchase, provide your reason, and submit.

Paddle acts as the Merchant of Record for website purchases. Unless required by applicable law, all Paddle transactions are non-refundable and non-exchangeable.

Paddle may issue refunds on a discretionary basis if a request is submitted within 14 days of the transaction date. Submission within this period does not guarantee a refund. Paddle reviews requests case by case and may approve a refund in full, approve a partial refund, or decline the request.

Refunds will not be issued where there is evidence of fraud, refund abuse, or other manipulative behaviour. If you receive a refund, access to the relevant subscription will cease.

To request a Paddle refund or cancellation, use one of the following:

• The View receipt or Manage subscription link in your Paddle confirmation email
• The Paddle Buyer Portal
• Paddle's buyer support site at paddle.net

Approved refunds are normally processed to the original payment method within 14 days of approval. For product-related issues, contact billing@talkey.app first so we can try to resolve the problem before you submit a refund request.

Full billing terms are set out in Paddle's Buyer Terms and Refund Policy.

Statutory refund and withdrawal windows vary by global jurisdiction. Where local consumer protection laws grant additional or non-waivable rights, those rights apply:

• EU, EEA, UK, & Switzerland: Consumers have a 14-day statutory right of withdrawal for some digital content and service contracts. For trials, a new 14-calendar-day window starts when a free trial converts to a paid plan. In the UK, annual renewals trigger a new 14-day withdrawal period. The right to withdraw does not apply to digital content that has started to be downloaded, streamed, or otherwise used when you gave express consent during checkout for immediate access before the end of the withdrawal period.
• Türkiye & Israel: 14-day statutory withdrawal period for eligible digital contracts.
• South Korea, Brazil, & China: 7-day cancellation right after delivery for eligible digital services.
• Canada: 7-day cancellation right after delivery for eligible digital services.
• Singapore: 5-day cancellation right after delivery or first access.

If you experience persistent technical issues or a material defect that prevents you from accessing paid features, contact billing@talkey.app first with the transaction date, account email, payment provider, and a description of the issue (no password or complete payment card digits are required). We will try to restore access or resolve the problem.

If the issue cannot be resolved, contact Paddle's support team through the methods in section 7 and provide details of the issue and any response received from us. Where there is evidence of a material technical or product defect, Paddle will issue a refund in accordance with applicable consumer protection laws.

For unrecognized Apple charges, sign in to Apple's Report a Problem page. For web purchases, contact Paddle Buyer Support or email us at billing@talkey.app so we can help locate the corresponding account logs.

If a refund is processed, access to premium subscription features terminates immediately, and your account reverts to the free tier. Refunding does not delete your account or progress history; account deletion must be requested separately.

Apple: Decisions generally occur in 24-48 hours. Funds return duration depends on your linked bank card rules.

Paddle: Once approved, Paddle routes the refund to your original payment method, normally within 14 days. Bank card networks may require additional clearance days.

Promotions and introductory prices renew automatically at the standard renewal rate shown before checkout unless cancelled. Cancellation stops future cycles but does not refund past valid charges.

Sales taxes are calculated and collected by Apple or Paddle depending on your billing location. Foreign exchange rates, conversion fees, and bank processing costs are governed by the payment network terms or your personal bank card rules.

Refunds will not be issued where there is evidence of fraud, refund abuse, systematic abuse of free trials, unauthorized account sharing, chargeback manipulation, or other manipulative behaviour, except where required by applicable law.

We may update this Refund Policy. The rules in effect at the time of your billing transaction govern that transaction, unless new rules grant broader rights or law mandates retroactive updates.

For billing assistance or questions about cancellations and refunds: