Refund policy.

Effective date: June 8, 2026. Last reviewed: June 14, 2026.

1. 30-day free trial

Every plan starts with a 30-day free trial. No credit card is required to start the trial. If you cancel before the trial ends, you owe nothing and your account will be marked closed. After cancellation you will have 90 days to export your data per the DPA retention rules.

2. Monthly plans

Monthly subscriptions renew month to month. You can cancel from the dashboard Settings → Plan & billing screen at any time, or by emailing billing@cohortledger.com. Cancellation takes effect at the end of the current monthly period. We do not pro-rate mid-month cancellations. We do not auto-charge a card for a higher tier without explicit consent.

3. Annual plans

Annual subscriptions are refundable within 14 days of payment. To request a refund, email billing@cohortledger.com within 14 days of the charge. We will refund the full amount through the original payment method. After 14 days, annual plans are non-refundable, but the service remains fully available for the duration paid and auto-renewal can be cancelled at any time from the dashboard.

4. Refund processing time

Approved refunds are processed through our payment provider (Stripe) and typically appear on the original payment method within 5 to 10 business days, depending on the issuing bank or card network. Refunds outside that window are uncommon; if a refund has not appeared within 14 calendar days, email us and we will provide the Stripe refund ID for your bank to trace.

5. California Subscribers: auto-renewal cancellation

Under California Business & Professions Code § 17600 et seq., California subscribers may cancel automatic renewal at any time and receive a refund of any pro-rated unused service per the applicable cancellation terms above (monthly: no pro-rate; annual: full refund within 14 days). California subscribers can cancel auto-renewal in two ways equally available to them:

• Self-service in the dashboard. Open Settings → Plan & billing and click Cancel auto-renewal. The change takes effect immediately and is confirmed by email.
• By email. Email billing@cohortledger.com from the address on the account. We respond within 1 business day and confirm the cancellation by reply.

California subscribers are not required to call, log in to a separate portal, or speak with a representative to cancel. There are no early-cancellation fees, no balance-of-term charges, and no penalties.

6. Chargebacks and disputed charges

If a charge looks wrong, please write to us before opening a chargeback with your card issuer. Most billing issues resolve in a single email. We respond within two business days.

If a chargeback is opened, we may suspend access to the affected account pending resolution to protect both parties from duplicated billing or refund. We will respond to the card network’s dispute process with the relevant transaction records and a copy of these Terms within the network’s response window. We do not pursue collection action against operators who succeed in a good-faith chargeback dispute.

7. Non-refundable items

The following categories are non-refundable:

• Custom DPA drafting fees, if any are agreed by separate written order. (None are charged by default.)
• Third-party charges passed through, including credit card processing fees that are not retained by Ravencord.
• Sales tax on past-billed periods, where state law forbids the vendor from refunding the tax once remitted.

CohortLedger does not currently charge setup fees or implementation fees. If we ever introduce one, it will be disclosed before purchase and clearly listed here as a non-refundable item if applicable.

8. What we will never do

• We will not raise your price mid-term on an active annual subscription.
• We will not auto-charge a card for a higher tier without explicit consent.
• We will not take a percentage of your ESA disbursements. ESA funds flow through your state’s payment platform. We never touch them.
• We will not delay refund processing to influence your decision about another plan.

9. Contact

Billing contact: billing@cohortledger.com.

Postal contact:
Billing & Operations
Ravencord Inc.
6688 Nolensville Rd, Ste 108 #2225
Brentwood, TN 37027, United States