Refund Policy

Last updated: 19 October 2026

BacktestFolio is a digital subscription service. Access becomes available immediately after payment. Orders are sold by Paddle.com Market Limited ("Paddle"), which acts as the Merchant of Record: Paddle collects payments, issues invoices and handles withdrawals and refunds under its own Refund Policy and Buyer Terms. BacktestFolio provides the service.

Right of withdrawal (consumers in the EU / EEA / Switzerland / UK)

If you are a consumer residing in the European Union, the European Economic Area, Switzerland or the United Kingdom, you may withdraw from the contract within 14 days of the first payment, without giving any reason. The right applies to the first payment of the subscription, not to later renewals.

How to exercise it. Use the withdrawal button in the Paddle customer portal, available throughout the 14 days. You can reach it from the "Manage subscription" link in your purchase confirmation email or from paddle.net. UK consumers send the request to Paddle from the "Request refund" page on paddle.net or through the support link on the receipt. Paddle refunds within 14 days of the request, to the payment method used. Once the refund is issued, access to the service ends.

Exceptions provided by law. In some cases the law allows the right of withdrawal to be excluded (for example for digital content already used after express consent). Where this applies, the rules set out by Paddle in its Refund Policy and Buyer Terms apply.

Consumers outside the EU / EEA / Switzerland / UK

For consumers residing in other countries (including the United States), purchases of digital subscriptions are generally final and non-refundable, except as provided in the section "When we always refund" below or by the law of your country.

Some countries give consumers a statutory right of withdrawal or cancellation for digital services (for example Brazil, Canada, South Korea, China, Turkey, Israel and Singapore, with periods of 5 to 14 days). Paddle applies these rights under its own Refund Policy, where you will find the current list and how to make a request.

When we always refund

In addition to the right of withdrawal, we always refund in the following cases. The refund is carried out through Paddle:

• Billing error or duplicate charge — full refund of the overcharged amount.
• Unauthorized charge — full refund following verification.
• Service not delivered — proportionate refund for any period of unavailability attributable to BacktestFolio.
• Unresolved conformity defect or material non-conformity — if the service does not match its description, is not of satisfactory quality, or fails to conform to specifications, and the issue is not resolved within a reasonable time, a proportionate or full refund will be issued in accordance with applicable consumer protection laws (such as the UK Consumer Rights Act 2015 or EU Directive 2019/770).
• Discontinuation of the service by us — proportionate refund for the unused portion of the period already paid for.

Subscription cancellation

You may cancel your subscription at any time from the Account → Subscription area or from the Paddle portal (the "Manage subscription" link in your confirmation email). Cancellation stops future automatic renewals; your access remains active until the end of the billing period already paid for. Cancelling is not the same as withdrawing: it does not entitle you to a refund, except in the cases set out in this policy.

How to request a refund

Withdrawal within 14 days of the first payment: use the withdrawal button in the Paddle portal, as described above.

Other refunds (billing error, duplicate charge, unauthorized charge, service not delivered or unresolved defect): email info@backtestfolio.com with:

• the email address associated with your account
• the date and amount of the charge
• the Paddle transaction reference (found in your email receipt)
• a brief description of the reason

We respond within 2 business days. If a refund is due, we have Paddle carry it out; Paddle credits it to the original payment method, usually within 14 days of approval. You can also contact Paddle directly through paddle.net ("Request refund").