Refund Policy

Last updated: July 2026

1. Overview

This Refund Policy explains how refunds work for Cosmy subscriptions. Cosmy is a software-as-a-service platform operated by Laizy S.r.l. ("Laizy", "we", "us"). All Cosmy plans are fully self-serve digital subscriptions; no human-delivered services are included.

Payments for Cosmy are processed by Paddle.com Market Ltd ("Paddle"), who acts as our Merchant of Record and authorized reseller. This means your order, invoice, and any refund are handled by Paddle. All purchases are subject to Paddle's Buyer Terms and Paddle's Refund Policy, which govern refunds for your purchase.

2. Refunds

Refunds are governed by Paddle's Refund Policy. In summary:

  • Unless required by applicable law, all transactions are non-refundable and non-exchangeable. Paddle may issue a refund on a discretionary basis where a request is submitted within 14 days of the transaction date; submission of a request does not guarantee a refund.

  • If you are a consumer, you may benefit from statutory withdrawal or cancellation rights under the laws of your country of residence (for example, a 14-day withdrawal right in the EU/EEA, Switzerland, and the UK), as described in Paddle's Refund Policy. Nothing in this page limits those rights.

  • If a technical fault or material defect prevents you from accessing the Platform as described, Paddle will issue a refund in accordance with applicable consumer protection laws and its Refund Policy.

3. Cancellations

You may cancel your subscription at any time from your account settings or via the "Manage subscription" link in your Paddle confirmation email. Cancellation takes effect at the end of your current billing period: you will not be charged again, and you keep access to paid features until the period you have already paid for ends.

4. How to request a refund

Refund requests are handled by Paddle. You can submit a request:

  • via the "View receipt" or "Manage subscription" link in your Paddle confirmation email; or

  • via Paddle's buyer support portal at paddle.net

Please include the email address used at checkout and, if available, your invoice or transaction number. For general billing questions, you can also contact us at billing@cosmy.ai.

5. Processing time

Approved refunds are issued by Paddle to the original payment method within 14 days of approval. Depending on your bank or card provider, it may take additional time for the funds to appear on your statement.

6. Chargebacks

If you have a concern about a charge, please contact us at billing@cosmy.ai or Paddle at paddle.net before initiating a chargeback with your bank or card provider — this usually leads to a faster resolution. Chargebacks are handled by Paddle in accordance with Paddle's Buyer Terms.

7. Changes to this policy

We may update this Refund Policy from time to time. The version in effect at the time of your transaction governs that transaction. Material changes will be communicated via email or a notice on the Platform.

8. Contact us

For questions about this Refund Policy, contact us at billing@cosmy.ai or write to Laizy S.r.l., Via Paolo da Cannobio 9, 20122 — Milan, Italy.