Refund Policy

Catchphrase Lab (hereinafter "the Company") operates a fair and transparent refund policy for customer satisfaction. Please review the following terms for your reference.

1. Refund Eligibility

1.1 Full Refund Within 14 Days If Unused

• If you request a refund within 14 days of a payment (including automatic renewal payments) and have not used the service since that payment, you will receive a full refund of that payment.
• If you have used the service, no refund is given, even within 14 days. See 1.2 for what counts as use.
• Service will be suspended upon refund, and data will be retained for 30 days before deletion.

1.2 What Counts as Service Use

The service is considered used if any of the following applies:

• An article was written, saved, or published in the admin dashboard
• Site settings such as design, menus, or categories were changed
• Images or files were uploaded, or existing data was migrated
• A domain was connected or the site was made publicly accessible
• Reporter or admin accounts were added
• The site was publicly available and accessible to readers
• The service was otherwise used in a comparable way

1.3 Free Trial Before Payment

• We offer a free trial with no credit card required. Please use it to confirm the service fits your needs before starting a paid subscription.
• No charge is made during the free trial, so it is not subject to refunds.

2. Cancelling Your Subscription

• You can cancel your subscription at any time with no cancellation fee.
• After cancellation, you will not be charged from the next billing date, and you can keep using the service until the end of the period you have already paid for.
• If you downgrade to a lower plan, the new price applies from the next billing date. The price difference for the period already paid for is not refunded.
• Unless you qualify for a full refund under 1.1, we do not provide prorated refunds for the period already paid for, except in the cases described in 6. Service Outage Compensation and Company-Initiated Refunds.

3. Non-Refundable Cases

• More than 14 days have passed since the payment
• The service has been used, even within 14 days of the payment (as defined in 1.2)
• Service disruption due to customer fault
• Service suspension due to terms of service violation
• Fraudulent use, refund abuse, or other malicious use of the service

4. How to Request a Refund

Payments for BylineCloud are processed by Paddle (Paddle.com), our reseller and Merchant of Record.

1. Refund Request: Use the link in your Paddle receipt email or visit paddle.net, or email contact@bylinecloud.com
2. Required Information:
   • Registered email address
   • Payment information (date, amount)
   • Reason for refund
3. Review: We check service usage and respond within 3 business days of the request
4. Refund Processing: When approved, the refund is returned to the original payment method within the periods below

5. Refund Processing Period

* Refund processing period may be delayed according to payment provider (Paddle) and financial institution policies.

6. Service Outage Compensation and Company-Initiated Refunds

6.1 Monthly Uptime and Service Credits

We aim for 99.9% monthly uptime. If monthly uptime falls below this level for reasons attributable to the Company, we will deduct a credit from your next payment at the rate below, based on that month's fee. Credits are not refundable as cash.

• Monthly uptime = (total hours in the month − outage hours) / total hours in the month × 100
• Credit requests must be sent to contact@bylinecloud.com by the last day of the month following the outage.
• The following are excluded from outage time:
  • Scheduled maintenance announced in advance
  • Outages caused by customer fault or terms of service violations
  • Outages caused by DDoS or other external attacks despite the Company's reasonable security measures
  • Outages caused by events outside the Company's control, such as natural disasters, the customer's internet connection, or the customer's domain registrar. Outages of server or cloud providers contracted by the Company are not excluded.

6.2 Termination and Refund for Major Outages

• If cumulative outage time attributable to the Company exceeds 72 hours in a month, you may cancel your subscription without penalty and receive a full refund of that month's payment. In this case, the credit under 6.1 is not also provided.
• If the Company can no longer provide the service for reasons attributable to the Company, such as discontinuing the service, the remaining paid period will be refunded on a prorated daily basis.

6.3 Scope of Compensation

The Company's compensation for service outages is limited to what is set out in 6.1 and 6.2, except for damages caused by the Company's intentional misconduct or gross negligence, which are governed by applicable law.

7. Dispute Resolution

• Refund-related disputes will first be addressed through customer support.
• If unresolved, mediation can be requested from the Consumer Dispute Mediation Committee.
• For legal resolution, Daejeon District Court shall be the competent court.

8. Contact

9. Policy Changes

This refund policy may be modified due to changes in applicable laws or company policies, and changes will be announced 7 days in advance.

Effective Date: September 28, 2026