APYWA Refund Policy

Version v1 · Effective 2026-11-01

This English version is provided for convenience. In the event of any conflict, the Korean version prevails.

This Refund Policy sets out the withdrawal, cancellation and refund rules for paid subscriptions sold by APYLab Co., Ltd. (the "Company") on the APYWA website. It supplements Article 7 of the Terms of Service and follows the Korean Act on Consumer Protection in Electronic Commerce (the "E-Commerce Act") and the Content Industry Promotion Act.

1. Scope

Services provided under a separate agreement to exchanges, institutions, professional investors and similar parties (PoC, monthly subscriptions, in-depth assessments, API) are governed by the refund clause of that agreement.

2. Withdrawal within 7 days of payment

1. Under Article 17 of the E-Commerce Act, a member may withdraw within 7 days of the payment date.
2. If no paid feature (full analysis reports and briefings, grade history chart, expanded watchlist, etc.) has been used within those 7 days, the full amount is refunded.
3. If paid features have already been used, withdrawal may be limited for the portion used (E-Commerce Act, Art. 17(2)); in that case the pro-rated rule in Section 3 applies. The Company states this on the checkout screen and obtains the member's confirmation before payment.

3. Cancellation and mid-term refunds

1. A member may cancel auto-renewal at any time in My Page → Account. The plan remains active until the end of the paid period and is not charged again. No refund arises in this case.
2. If a member requests immediate termination and a refund after the 7-day period, the Company refunds the unused portion as follows:

   Refund = Amount paid − (Amount paid × days used ÷ total days in the billing period)

   Days used are counted from the payment date (day 1) to the request date; a partial day counts as a full day. Payment-provider fees borne by the Company are not charged to the member.
3. If the calculated refund is zero or less (billing period nearly over), no refund is made and the request is processed as a cancellation of renewal.

4. Refunds due to the Company's fault

1. If paid features were unavailable for 24 consecutive hours or more due to the Company's system failure or service interruption, the Company, at the member's request, refunds the fee for the outage period on a pro-rated basis or extends the service period by the same number of days.
2. If the Company discontinues a paid service, it gives at least 30 days' notice and refunds the full fee for the unused period after the end date.
3. Delays in rating updates caused by errors or delays of external data sources (exchanges, on-chain or social data) are not outages under paragraph 1; the Company will post a notice on the Service.

5. Cases where refunds are restricted

1. The Company restricted use or terminated the agreement because the member breached Article 8 (Member Obligations) of the Terms.
2. The account was transferred or lent from a third party.
3. The payment was cancelled or declined by the payment provider or card issuer due to confirmed fraudulent use (their procedure applies).

6. How and when refunds are made

1. Request a refund via My Page → Account ("Cancel subscription / request refund") or by email to contact@apylab.io, stating your sign-up email and payment date.
2. The Company confirms eligibility and the amount within 3 business days of the request and refunds to the original payment method. Card payments are reversed (full or partial) through the payment provider and may take 3–7 business days depending on the card issuer.
3. Payments made with overseas cards are reversed in the authorized currency and amount; differences arising from exchange-rate movements or the issuer's foreign-transaction fees are not borne by the Company.
4. Once refunded, paid features for that billing period end immediately and the account reverts to the Free plan. If the watchlist exceeds the Free limit, alerts for the excess assets stop and the member can choose which assets to keep in My Page.

7. Auto-renewal notices

1. The Company emails the renewal date and amount at least 3 days before each renewal charge.
2. Price increases are announced and notified at least 30 days in advance; a member who cancels before the effective date is not charged the increased price.
3. If a renewal charge fails, the Company notifies the member and retries for up to 7 days; if payment is not completed, the subscription ends and the account reverts to the Free plan.

8. Dispute resolution

Refund disputes are resolved by consultation between the Company and the member. Members may also apply for mediation to the Korea Consumer Agency (1372 consumer hotline) or the Electronic Commerce Dispute Mediation Committee (www.ecmc.or.kr).

Addendum

This Refund Policy takes effect on 2026-11-01. Changes are announced in advance in the same manner as the Terms of Service.

Contact: APYLab Co., Ltd. · contact@apylab.io · Room 104, Floor 1, Yujung Cultural Foundation, 180 Bangbae-ro, Seocho-gu, Seoul Special City, Republic of Korea

Pricing|Terms of Service|Privacy Policy