§01
Who this applies to
Every paid Storgy plan: Starter, Plus, and Pro — the credit plans sold at /pricing/, monthly or yearly. Subscribers still on a legacy Student or Teacher Pro plan keep the refund treatment they signed up under: the same thirty-day window, with the refund pro-rated by unused billing days only (no credit deduction, because those plans have no credit meter). Schools on a contract negotiated by purchase order follow the contract where it differs from this page.
Storgy is moving new subscriptions from Paddle to Stripe, so for a while some subscribers are billed by one and some by the other. Your receipt says which, and your card statement shows either Paddle or STORGY.COM. The thirty-day window, the formula and the amounts on this page are identical for both. Two things differ: how the tax comes back (§03) and how you ask (§04). Nothing on this page changes the terms of a subscription that already existed when it was published.
§02
The thirty-day window — from each charge, not from sign-up
The window is measured from each individual charge, not from the original subscription date. If your yearly Storgy Student plan renewed on August 3rd, you have until September 2nd to request a usage-adjusted refund on the renewal charge. The same is true of monthly subscriptions: every monthly charge has its own thirty-day window.
We chose this over a "thirty days from the first charge only" rule because the first one is the easy case. The hard one is the renewal you forgot was coming. That’s the one we built this policy for.
The window is also a hard edge: once a charge is more than thirty days old, there is no refund path for it — yearly plans included. A yearly subscription bought in January can be refunded through early February, and again for thirty days after each renewal, but not in month seven. Cancelling always works at any time; cancellation stops the next charge and keeps your access until the period ends.
§03
How the refund is calculated
We refund the unused portion of the charge. Because a Storgy plan is metered in AI credits, "used" means two things: the days you’ve held the plan, and the credits you’ve spent. We deduct whichever is greater:
time_used = charge - floor(days_remaining / period_days * charge) credits_used = ceil(credits_spent_this_cycle * charge / credits_in_period) refund = charge - max(time_used, credits_used)
Two worked examples on Plus yearly ($348 for the year, 500 credits a month — about 5.8¢ per credit). Cancelled on day twenty having used 120 credits: time used is $19.07, credits used $6.96, so we deduct $19.07 and refund $328.93. Cancelled on day five having used 450 credits: time used is $4.77, credits used $26.10, so we deduct $26.10 and refund $321.90. The math is rounded to whole cents.
Legacy Student and Teacher Pro subscriptions have no credit meter, so for them only the time formula applies — exactly the policy they subscribed under.
We don’t prorate sales tax or VAT separately — the processor that took the charge reverses the proportional tax when the refund lands. On a Paddle-billed subscription the tax sat inside the price you paid, so it comes back inside the refund. On a Stripe-billed subscription any tax was added on top at checkout, and it is refunded in the same proportion as the charge itself.
§04
How to request a refund
One path, whoever billed you: email hello@storgy.com from the address on your Storgy account. We’ll match it against the subscription, work the figure out with the formula in §03, and process it by hand — usually the same day, five working days at the outside. A human will reply.
You do not need to cancel first, and cancelling is not a refund request. If you want both, do them in either order: /billing/cancel/ stops the next charge, and the email above settles the last one.
Why there is no self-serve button: cancelling now always ends the subscription at the end of the period you have already paid for, so at the moment you cancel there is nothing left to pro-rate — a button offering a refund there would be offering you something the cancellation had not yet created. The right to the refund is unchanged, and the arithmetic is the same module either way; only the request is made by writing to us. This is the one place a person is faster than a form.
§05
Processing time
We process refunds within five working days. Usually same-day; five is the cap. The processor that took the charge — Paddle or Stripe — then takes another three to ten working days to settle the credit on your card statement. The exact number depends on your card issuer, not on us, and not on which of the two it went through. Refunds always return to the same payment method that made the charge; we don’t hold card details, so we can’t redirect them elsewhere even if you asked.
§06
What we don't refund
Charges older than thirty days fall outside this window, on every plan including yearly. And we don’t refund the part of a charge you’ve already used — every AI credit spent is a real model call we paid for, so spent credits are deducted from the refund as described in §03. If your usage already covers the full charge, there is nothing left to refund.
One edge the automatic math won’t handle: if you changed plans after the charge you want refunded, it no longer lines up with what you paid. Write to hello@storgy.com instead and a human will settle it by hand.
None of this touches your statutory rights. On a Paddle-billed subscription Paddle is the merchant of record and honors those rights directly. On a Stripe-billed subscription the seller of record is iBuild.io LLC, trading as Storgy, and we honor them ourselves. Either way, where consumer law grants you a withdrawal right — such as the fourteen-day right on a first purchase in the EU and UK — it applies regardless of anything on this page. Write to hello@storgy.com and say what you’re claiming. We’d rather apply it than argue about it.
Did a renewal catch you off guard? Write to hello@storgy.com. A human reads each one. We can’t promise the outcome, but you’ll get a real reply.
For older charges you can’t resolve with us directly, your card issuer’s chargeback path is also open to you — that’s what they’re for. We’d rather you ask us first.
§07
The no-tricks promise
We won’t make you phone us. We won’t time-out your refund button at two in the morning. The cancel page works the same hour the renewal email lands in your inbox. If a future version of Storgy ever changes any of this, we’ll email every active subscriber at least thirty days before the change takes effect, and the previous policy will continue to apply to charges made before the change date.
That promise is the entire point of this page.