Payment and refund policy

1. Prices

1.1 Checks are sold in the following packs:

1.2 All prices are in pounds sterling and are the total price you pay, including any VAT payable.

1.3 We may change our prices at any time. A price change does not affect checks you have already purchased.

2. Payment

2.1 Payment is made by UK open banking through Apron Payments Ltd ("Apron"), which is registered with the Financial Conduct Authority as an electronic money institution (firm reference number 1004915). At checkout you are taken to Apron's secure payment page, where you authorise the payment with your own bank. We do not receive or store your online banking credentials or card details.

2.2 Each order is given its own payment reference. Please pay the exact amount shown and do not change the amount or the reference on the payment page, as this may delay or prevent your checks being added.

2.3 Checks are added to your account once we have confirmed that the full amount has been received against your reference. Until then, the order is shown in your dashboard as awaiting confirmation. Once confirmed, your purchase is recorded in the Purchases and billing section of your dashboard.

2.4 If we receive a payment that does not match the amount of your order, we will not add checks automatically. We will contact you and either arrange for the balance to be paid or refund the payment.

3. How checks are used

3.1 Each assessment uses one check. The check is deducted only at the moment the assessment runs. Opening the questionnaire, entering details or uploading correspondence does not use a check.

3.2 Each assessment covers one firm. Changing your answers after a result has been produced requires a new assessment.

3.3 Unused checks remain available in your account for as long as your account remains open.

4. Your right to cancel

4.1 Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have the right to cancel your purchase within 14 days of the day your payment is confirmed, without giving a reason. If you decide not to pay for an order you have started, you do not need to do anything: no checks are added and nothing is owed.

4.2 If you cancel within this period, we will refund the price of every check in the pack that you have not used, calculated at the price per check for that pack.

5. Checks you have used

5.1 When you purchase a pack, you ask us to make your checks available immediately, so that you can run an assessment within the 14-day cancellation period.

5.2 Once you run an assessment, the service for that check has been fully provided at your request. You acknowledge at the time of purchase that you lose the right to cancel in respect of each check once it has been used, and used checks are therefore not refundable.

5.3 A verdict you disagree with, or a result that proves different from your expectations, is not in itself a reason for a refund, because an assessment is an automated indicator based on the information provided and the sources available. Please see our Terms of Use.

6. When something goes wrong

6.1 If an assessment fails to complete because of a technical fault on our side, please contact us and we will restore the check to your account. If we are unable to provide the assessment, we will refund the price of that check.

6.2 If you are charged but checks are not added to your account, please contact us with the date and amount of the payment and we will investigate and correct the position.

6.3 Nothing in this policy affects your rights under the Consumer Rights Act 2015.

7. How refunds are made

7.1 Refunds are made to the bank account from which you paid, within 14 days of the day we agree the refund. We do not charge a fee for making a refund.

8. Account deletion and closure

8.1 If you delete your account, any unused checks are permanently removed and cannot be restored or refunded, except where you have also exercised your right to cancel within the 14-day period described in section 4. If you wish to cancel, please do so before deleting your account.

8.2 If we close your account for reasons other than your breach of our Terms of Use, we will refund any unused checks.

9. How to request a refund

9.1 To cancel a purchase or request a refund, send an enquiry through our contact form using the subject "Billing and purchases", from the email address registered to your account. Please include the date of your purchase. You may also use the model cancellation form below, although you do not have to.