1. Overview

This Refund Policy explains the circumstances under which ApplyNow ("we", "us", "our") may issue refunds or restore credits in connection with purchases made on the ApplyNow platform (the "Service"). Please read this policy carefully before completing any purchase. If you have any questions, contact us at [email protected] before purchasing.

This policy forms part of our Terms & Conditions and should be read alongside them.

2. General Rule — Credits Are Non-Refundable

Credits purchased on ApplyNow are a prepaid digital currency used solely within the Service. As a general rule, all credit purchases are final and non-refundable once the transaction is completed.

This reflects the nature of the product: credits are immediately available for use upon purchase and provide access to a fully digital, on-demand service. Credits do not expire for as long as your account remains active, and unused credits retain their full value.

3. EU Right of Withdrawal

Under the EU Consumer Rights Directive (Directive 2011/83/EU), consumers ordinarily have a 14-day right of withdrawal from contracts concluded for digital services. However, by completing your purchase and immediately accessing the Service (including by receiving or using credits), you expressly request that performance of the service begins before the withdrawal period expires. You acknowledge and agree that, by doing so, you waive your right of withdrawal in accordance with Art. 16(m) of Directive 2011/83/EU.

This waiver is standard for fully digital services that are delivered immediately upon purchase and is lawful under EU consumer law when the consumer provides express prior consent and acknowledges the loss of the withdrawal right, which you do by completing the purchase.

4. When a Refund or Credit Restoration May Be Granted

Notwithstanding the general non-refundable rule, we will consider refund requests or credit restoration in the following circumstances:

Technical or platform failure: a verified fault on our side (such as a service outage, processing error, or software defect) prevented you from receiving the output or functionality you paid for.
Erroneous or duplicate charging: you were charged more than once for the same transaction, or were charged an incorrect amount due to a billing error on our side.
Failed delivery: credits were deducted from your account but the corresponding action (such as an application generation) was not completed or delivered, with no opportunity to retry.
Legally mandated cases: applicable law requires us to provide a refund regardless of the above circumstances.

Each request is evaluated individually and on its merits. We reserve the right to request supporting evidence before reaching a decision.

5. When a Refund Will Not Be Granted

The following situations do not qualify for a refund or credit restoration:

Change of mind: you purchased credits but have decided not to use them or no longer wish to use the Service.
Dissatisfaction with AI output quality: the Service generated and delivered output, but you are not satisfied with the result. AI-generated content is inherently variable in quality and depends in part on the inputs you provide. We cannot guarantee specific outcomes.
Failure to achieve a desired real-world result: using the Service did not help you obtain a job interview or employment offer. The Service provides a resume drafting tool, not a guarantee of employment outcomes.
Credits used or partially consumed: credits that have already been applied to an action that was successfully completed.
Account termination due to breach:if your account was suspended or terminated because you violated our Terms & Conditions, unused credits will not be refunded except as required by law.
Chargeback abuse or friendly fraud: attempts to obtain a refund through your payment provider rather than through this process without first contacting us.

6. How to Submit a Refund Request

To submit a refund or credit restoration request, please email us at [email protected] with the following information:

The email address associated with your ApplyNow account.
The date and approximate time of the purchase or the affected action.
Your payment reference number (available in the confirmation email you received from Stripe or in your account billing history).
A clear and concise description of the issue — what you expected to happen and what actually occurred.
Any supporting evidence you have, such as screenshots, error messages, or transaction records.

Requests that do not include the above information may be delayed or declined. Submitting false or misleading information in a refund request may result in account suspension.

7. Review Process and Timeline

Once we receive your request, we will review it in good faith and in accordance with this policy:

Acknowledgement: we will acknowledge receipt of your request within 5 business days.
Resolution: we aim to reach a decision within 14 calendar days of receiving your request. Complex cases or cases requiring third-party verification (such as Stripe payment confirmation) may take longer; we will keep you informed of any delays.
Evidence requests: we may ask you to provide additional information or documentation to help us investigate your claim. Failure to respond within 10 business days of such a request may result in closure of the request.

8. How Refunds Are Issued

If a refund is approved, it will ordinarily be processed to the original payment method used for the purchase, via Stripe. Refund processing times are subject to your card issuer's policies and may take 5–10 business days to appear on your statement after we initiate the refund.

In some cases, at our discretion or at your request, we may instead restore the relevant credits to your account rather than processing a monetary refund. We will agree the preferred remedy with you before processing.

9. Chargebacks and Payment Disputes

We strongly encourage you to contact us at [email protected] before initiating a chargeback or payment dispute with your bank or card provider. Many issues can be resolved faster and with less disruption through our direct review process than through a formal payment dispute.

If a chargeback is filed without prior contact with us, or if a chargeback is found to be unwarranted, we reserve the right to suspend access to your account pending resolution of the dispute and to take appropriate action in response to fraudulent or abusive chargeback behaviour.

10. Changes to This Policy

We may update this Refund Policy from time to time. Any changes will be posted on this page with an updated "last updated" date. For material changes, we will provide at least 14 days' notice via email or a notice on the Service before the change takes effect. Your continued use of the Service after any update constitutes your acceptance of the revised policy.

11. Contact

For all refund-related enquiries, please contact us at: [email protected].

We are committed to resolving issues fairly and promptly and appreciate you reaching out to us directly before pursuing other avenues.