Cancellation and Refunds Policy

1. Purpose and Scope

1.1 This Cancellation and Refunds Policy (the "Policy") sets out the exclusive procedure by which users of the Winlytics platform (the "Platform") may cancel a subscription or one-time purchase, and the limited circumstances under which refunds may be issued.

1.2 This Policy is issued by Lege Nova Ltd, Company Number 204222502, with registered address at Lyuben Karavelov 68 str., Sofia, Bulgaria. Support enquiries (not cancellations) may be sent to info@winlytics.ai.

1.3 This Policy must be read together with the Winlytics Terms and Conditions, Privacy Policy, Disclaimer, and Money-Back Guarantee Policy. In the event of any inconsistency, the Terms and Conditions shall prevail.

1.4 By creating an account, starting a Free Trial, or completing any purchase on the Platform, you confirm that you have read, understood, and expressly agreed to this Policy and the documents referenced in clause 1.3.

2. Definitions

• "Subscription" means any recurring paid plan offered on the Platform (including, without limitation, monthly and annual plans, and any introductory or promotional tier).
• "One-Time Purchase" means any non-recurring paid product that may from time to time be offered on the Platform (such as an event-specific or fixed-term access pass). The Platform's current paid offering is the Subscription described above; this definition is included to the extent any such product is made available.
• "Free Trial" means any evaluation period during which access to the Platform is provided at no charge, after which a paid Subscription begins unless cancelled in accordance with this Policy.
• "Billing Cycle" means the period (e.g. monthly or annual) for which a Subscription fee has been charged.
• "Customer Portal" means the secure self-service billing portal hosted by our payment processor (Stripe Inc.) and accessed from within your Winlytics account.

3. How to Cancel — Self-Service Only

3.1 Cancellation of a Subscription or Free Trial is exclusively self-service. You may cancel at any time, for any reason, without giving a reason, by:

• (a) signing in to your Winlytics account at winlytics.ai;
• (b) opening Profile → Billing and clicking "Manage Billing", which opens the Customer Portal in a new window; and
• (c) selecting "Cancel subscription" within the Customer Portal and confirming the cancellation.

3.2 The Customer Portal is the sole valid channel for cancellation. A cancellation is effective only when it is recorded by our payment processor and reflected on your Winlytics account.

3.3 For the avoidance of doubt, Lege Nova Ltd does not accept cancellations made by email, telephone, social media, support chat, in-app feedback, contact forms, or any other channel. Any such communication will not be treated as a valid cancellation, will not stop or reverse renewal charges, and will not give rise to any refund entitlement.

3.4 If you are unable to access the Customer Portal due to a verifiable technical issue caused by Lege Nova Ltd or its payment processor, you must report the issue to info@winlytics.ai before your next renewal date and provide reasonable evidence of the issue (e.g. screenshot, error message, timestamp). Reporting a technical issue does not, in itself, cancel your Subscription.

3.5 It is your sole responsibility to complete the cancellation in the Customer Portal before the next renewal date. Cancellations completed after a renewal charge has been processed take effect from the following Billing Cycle and do not entitle you to a refund of the most recent charge.

4. Effect of Cancellation

4.1 Cancellation of a Subscription takes effect at the end of the then-current Billing Cycle.

4.2 You will retain access to paid features of the Platform until the end of the current Billing Cycle and will not be charged for any subsequent cycle.

4.3 No refund, credit, or pro-rated reimbursement will be issued for the remainder of the current Billing Cycle, including any period during which you do not log in or do not use the Platform after cancellation.

5. Free Trials and Introductory Periods

5.1 Where a Free Trial or introductory offer is made available, you may be required to provide valid payment details to access it. The fact that a paid Subscription will commence automatically at the end of the trial or introductory period, together with the applicable price and Billing Cycle, is disclosed to you at sign-up and prior to checkout.

5.2 By starting a Free Trial or introductory period, you expressly authorise Lege Nova Ltd and its payment processor to charge the applicable fee to your payment method on file at the end of that period, and you acknowledge that your account will automatically convert to a paid, recurring Subscription on the plan and at the price disclosed at sign-up, until you cancel in accordance with Section 3.

5.3 To avoid being charged, you must cancel via the Customer Portal before the trial or introductory period expires. Once a trial converts to a paid Subscription, the rules in Sections 4 and 6 of this Policy apply, and no refund will be issued for the renewal charge.

6. Refunds for Subscriptions — Strictly Non-Refundable

6.1 Except (i) where required by mandatory consumer protection law that cannot be excluded by contract, or (ii) as expressly provided under our separate Money-Back Guarantee Policy, all Subscription fees are strictly non-refundable once a Billing Cycle has commenced, even if you have not used the Platform during that cycle.

6.2 Without limitation, Lege Nova Ltd does not provide refunds, credits, or pro-rated reimbursements for any of the following:

• (a) partial or unused periods of any Subscription;
• (b) periods during which you did not log in, did not use the Platform, did not view any predictions, or did not place any bets with any third party;
• (c) cancellations made part-way through a Billing Cycle;
• (d) downgrades from a higher-tier plan to a lower-tier plan during a Billing Cycle;
• (e) renewal charges that you failed to cancel in time, including charges following the conversion of a Free Trial or promotional period;
• (f) "forgotten" or "unnoticed" Subscriptions, including failure to monitor bank, card, wallet, or email statements;
• (g) dissatisfaction with the results, accuracy, or profitability of predictions or other content (which is governed by the Disclaimer);
• (h) outcomes of any bets, wagers, or financial decisions made by you with third-party operators, whether or not influenced by Platform content;
• (i) loss of access caused by suspension or termination of your account for breach of these terms or non-payment;
• (j) any matter for which a remedy is otherwise available under the Money-Back Guarantee Policy and where the conditions of that policy have not been met.

6.3 Eligible refund claims under the Money-Back Guarantee Policy are subject to the strict conditions, evidence requirements, and claim process set out in that policy. No other refund route exists outside (i) mandatory law and (ii) the Money-Back Guarantee Policy.

7. One-Time Purchases (Event Passes)

7.1 One-Time Purchases (such as any event-specific or fixed-term access pass that may be offered from time to time) are not Subscriptions, do not auto-renew, and are not cancellable in the sense of stopping a future charge.

7.2 Once access has been granted following a One-Time Purchase, the purchase is final and non-refundable, except where required by mandatory consumer protection law and subject to Section 8.

7.3 One-Time Purchases are not covered by the Money-Back Guarantee Policy and are not eligible for proration if the underlying event is shortened, modified, postponed, or otherwise affected.

8. Statutory Withdrawal Right (EU Consumers) — Expressly Waived

8.1 The Platform consists of digital content and digital services that are supplied immediately upon subscription, purchase, or activation of any Free Trial.

8.2 By creating an account, starting a Free Trial, subscribing to a Subscription, or completing a One-Time Purchase, you:

• (a) give your prior express consent to the immediate performance of the digital content and digital services by Lege Nova Ltd;
• (b) expressly acknowledge that, as a direct result of (a), you lose the statutory 14-day right of withdrawal under Articles 16(a) and 16(m) of Directive 2011/83/EU once performance has begun (which it does immediately upon account creation, trial activation, or purchase); and
• (c) confirm that this acknowledgement is given in a clear, prominent, and durable manner before the contract is concluded.

8.3 Mandatory consumer protection rights under EU law that cannot be excluded by contract remain unaffected. Where such rights apply, any remedy will be limited to the minimum amount required by the applicable law.

9. Refunds Required by Law

9.1 Where Lege Nova Ltd is required by mandatory consumer protection law to issue a refund, the refund will be limited to the minimum amount required by that law and will not, in any event, exceed the fee paid by the user in respect of the disputed Billing Cycle or One-Time Purchase.

9.2 Refunds will, where possible, be processed using the original payment method. No interest, compensation, opportunity-cost, betting-loss, or additional payment of any kind shall be due in respect of any refund.

10. Failed Payments, Suspension and Termination

10.1 If a scheduled payment fails, is declined, is reversed, charged back, or is otherwise not honoured for any reason (including insufficient funds, expired or blocked cards, fraud blocks, card-issuer declines, or chargebacks), Lege Nova Ltd reserves the right, without further notice, to: (a) re-attempt the charge one or more times over a reasonable period using the original payment method or any updated payment details available; (b) request that you provide updated payment details; and (c) suspend, restrict, downgrade, or terminate access to the Platform until the outstanding amount is paid in full.

10.2 Service suspension, restriction, or termination as a result of failed payment, breach, or abuse does not entitle you to a refund of any prior charges.

11. Chargebacks and Payment Disputes

11.1 If you believe a specific charge is incorrect or unauthorised, you must first contact info@winlytics.ai within thirty (30) days of the charge so that Lege Nova Ltd has a reasonable opportunity to investigate and, where appropriate, resolve the matter. The dispute must include your account email, the date and amount of the charge, and the basis on which it is challenged.

11.2 Initiating a chargeback, payment reversal, "friendly fraud" claim, or dispute with your card issuer, bank, or payment provider without first contacting Lege Nova Ltd and allowing a reasonable investigation period constitutes a material breach of these terms.

11.3 The following do not constitute valid grounds for a chargeback and will be contested by Lege Nova Ltd:

• (a) a claim that a Free Trial converted to a paid Subscription, where conversion was disclosed at sign-up and the user did not cancel via the Customer Portal in time;
• (b) a claim that the user "did not use" or "did not log in to" the Platform during the Billing Cycle;
• (c) a claim that the user "forgot" about the Subscription or did not monitor their statements;
• (d) a claim that an email, support message, or any communication outside the Customer Portal "should have" cancelled the Subscription;
• (e) dissatisfaction with predictions, outcomes of bets, or profitability;
• (f) any matter for which the exclusive remedy is the Money-Back Guarantee Policy and where the conditions of that policy have not been met.

11.4 Where a chargeback is initiated, Lege Nova Ltd will submit to the relevant card network, payment processor, or bank evidence including, without limitation: account-creation logs and IP, timestamped acceptance of these terms, the user's prior express consent under Section 8, screenshots and records of the sign-up flow disclosing recurring billing, login-history records during the disputed period, any in-product engagement events, the Customer Portal cancellation log (or absence of any cancellation), payment-processor records of repeated successful captures, and any other records reasonably required to demonstrate that the charge was authorised and the service was provided.

11.5 Lege Nova Ltd reserves the right to immediately suspend or terminate any account from which an improper chargeback originates, to recover all chargeback fees, processor fees, currency-conversion fees, legal and collection costs, and any amounts owed, and to refer the matter to a debt collection agency. Where the chargeback is determined to be illegitimate, the user will remain liable for the original charge in full notwithstanding the temporary reversal.

12. How to Request a Refund

12.1 Where you believe you are eligible for a refund under (i) mandatory consumer protection law, or (ii) the Money-Back Guarantee Policy, you may submit a request to info@winlytics.ai with the subject line: "Refund Request".

12.2 Your request must include: (a) the email address associated with your Winlytics account; (b) the date and amount of the charge; (c) the payment method used; (d) the specific legal basis or Money-Back Guarantee condition on which the request is made; and (e) any supporting evidence required by the applicable basis (for Money-Back Guarantee claims, the evidence required by that policy must be attached).

12.3 Submission of a Refund Request is not, and shall not be construed as, a cancellation of any Subscription. To stop future renewal charges, you must cancel via the Customer Portal in accordance with Section 3.

12.4 Lege Nova Ltd will review the request and respond within a reasonable period. Approved refunds will be processed using the original payment method where possible. Refunds that are denied are final.

13. Records, Evidence and Acknowledgement

13.1 You acknowledge that Lege Nova Ltd and its payment processor maintain timestamped records of account creation, terms acceptance, sign-up flow, trial conversion notices, successful and failed payments, login events, in-product engagement, Customer Portal sessions, and cancellation events. Such records constitute conclusive evidence of the matters they record, save for manifest error.

13.2 By using the Platform, you consent to Lege Nova Ltd relying on, and disclosing as required, such records for the purposes of responding to disputes, chargebacks, regulatory enquiries, and legal proceedings.

14. Amendments

14.1 Lege Nova Ltd may amend this Policy from time to time. Any amendments will be published on this page with an updated "Last updated" date.

14.2 The version of this Policy in force at the time you incurred the charge or commenced the Billing Cycle in question is the version that governs any dispute relating to that charge or cycle. Continued use of the Platform after an amendment has been published constitutes acceptance of the updated Policy for all subsequent charges and Billing Cycles.

15. Governing Law and Jurisdiction

15.1 This Policy is governed by the laws of the Republic of Bulgaria, without prejudice to mandatory consumer protection rights under EU law that cannot be excluded by contract.

15.2 Any disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the competent courts of Bulgaria, save where mandatory consumer protection law grants the consumer the right to bring proceedings in the courts of their place of residence.