Refund Policy — Polymathe Solutions Informatiques

1. Scope

This policy applies exclusively to subscriptions to Polymathe Solutions Informatiques (Polymathe SI) SaaS services: DictaVox, Renkany, and any future SaaS service published on polymathe.net.

It does not apply to B2B engagements (audit, custom development, maintenance), which are governed by the B2B Terms of Sale.

2. Right of Withdrawal & Waiver by Use

Free trial available before subscribing: All Polymathe SI SaaS services offer a free tier before any paid commitment: DictaVox provides 2 hours of free transcription on sign-up (no credit card required); Renkany offers a permanent free plan with no time limit. By subscribing to a paid plan, users act with full knowledge of the service — the paid subscription is a deliberate, informed decision.

In accordance with EU Directive 2011/83/EU and applicable consumer protection laws, any consumer residing in the European Union has a 14-day right of withdrawal from the date of subscription, provided they have not yet begun using the paid service. This right applies to new subscriptions (first payment only), not to renewals. It does not apply to businesses acting in the course of their trade.

Express waiver of the right of withdrawal — Article 16(m) of Directive 2011/83/EU & Article L221-28 12° of the French Consumer Code: by activating your paid subscription and using the service (starting a transcription on DictaVox; creating a ticket, project, or any data on Renkany), you expressly request immediate performance of the digital service and acknowledge that you lose your right of withdrawal for any resources already consumed. Consumed transcription minutes or used quota are never refundable, regardless of the date.

If you have not yet used the paid service and wish to exercise your right of withdrawal within 14 days, contact us at contact@polymathe.net with the subject "Withdrawal — [Service Name]". A full refund will be issued by Paddle within 14 business days.

3. Refunds Outside the Withdrawal Period

After the 14-day withdrawal period, refunds are not guaranteed except in the following cases:

Major service outage attributable to Polymathe SI: if the service is inaccessible for more than 72 consecutive hours, a credit or prorated refund may be issued.
Double billing or payment error: full refund of the incorrectly charged amount.
Annual subscriptions: annual subscriptions are non-refundable. Cancellation takes effect at the end of the annual period; no refund is issued for unused months.

Consumed minutes or resource quotas are non-refundable.

4. Free Plans (Free/Starter)

Free plans (Starter, Free tier) involve no payment and are therefore outside the scope of this policy.

5. How to Request a Refund

To request a refund:

Send an email to contact@polymathe.net with the subject: "Refund Request — [Service Name]"
Include your account email address, subscription date, and reason for the request.
We will acknowledge receipt within 24 business hours.

Approved refunds are processed by Paddle and credited to the original payment method within 5 to 10 business days.

6. Subscription Cancellation

You may cancel your subscription at any time from your account dashboard. Cancellation takes effect at the end of the current billing period. No prorated refund is issued for the remaining period, except in the cases described in section 3.

7. Contact

For any refund-related query: polymathe.net/en/contact or contact@polymathe.net.

For payment disputes handled by Paddle: paddle.com/legal/buyers.