Refund Policy

Last updated: 29 May 2026

BacktestFolio is a digital subscription service. Access becomes available immediately after payment. Our order process is conducted by our online reseller Paddle.com Market Limited ("Paddle"), which acts as the Merchant of Record for all our orders: Paddle handles payments, renewals, and the operational processing of refunds.

Right of withdrawal (EU / EEA / UK consumers)

Consumers residing in the European Union (EU), European Economic Area (EEA), or the United Kingdom (UK) have a statutory right to withdraw from the contract within 14 days of the purchase date, without providing any reason.

Exception for digital services started immediately. If during checkout you expressly requested that the service begin immediately and acknowledged that doing so results in losing your right of withdrawal, the right of withdrawal lapses at the moment access is activated, under Art. 16(m) of Directive 2011/83/EU (and national implementing laws) and equivalent UK rules (Reg. 37(1)(a) Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013).

US and International Consumers (Outside EU / EEA / UK)

For consumers residing outside the EU, EEA, or UK (including the United States), all purchases of digital subscriptions are final and non-refundable, except as expressly provided under the section "When we always refund" below or as required by applicable local law in your jurisdiction.

If you reside in a US state or country with mandatory statutory refund rights for digital services, those rights will apply, and we will process refunds in accordance with such local requirements.

When we always refund

Regardless of whether the right of withdrawal applies or has lapsed, we always refund in the following cases:

• 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 through the Paddle portal accessible from your email receipt. Cancellation stops future automatic renewals; your access will remain active until the end of the current billing period already paid for. No refund is issued for early voluntary cancellation.

How to request a refund

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 will respond within 2 business days. Once approved, the refund is processed via Paddle, and the technical processing time for the credit to appear on your original payment method is typically 5–10 business days.