Refund & Cancellation Policy

1. General

Holdy Labs is operated by Kleiman B. and provides access to a digital service: simulated trading sessions, behavior analytics, reports, training scenarios, Strategy Lab and related digital features.

Holdy Labs is an educational and simulation platform. It does not accept funds for trading, is not a broker, exchange or asset manager, does not provide investment advice, and does not guarantee profit, funding, access to capital or any financial result. It uses demo currency and controlled scenarios.

This policy applies to Holdy Pro subscriptions, Lab Credits (including Strategy Lab Packs) and any other digital product sold by Holdy Labs, unless the purchase page says otherwise.

2. Payments in USDT

Digital products can be paid in USDT on the network shown at checkout (currently TRC-20). Prices are shown in US dollars and paid at 1 USDT per US dollar. Before paying, check the product, the price, the network, the wallet address, the exact amount and the payment window shown on the payment screen.

Important: blockchain transfers are generally irreversible once confirmed by the network. A transfer sent on the wrong network, to the wrong address, with the wrong amount, in an unsupported token, or without a transaction hash we can check may need manual review and does not guarantee automatic activation.

Holdy Labs is not responsible for mistaken transfers made by the user if the transfer cannot be technically identified, returned or matched to a purchase.

Card payments through a payment processor are planned. When they are offered, this policy applies to them too, and refunds are returned to the original payment method.

3. Cancellation

Holdy Labs does not use automatic renewal. A subscription gives access for the paid period only: Holdy Pro 30 days, 90 days or 365 days from activation. Renewing before the period ends adds the new period on top of the time you have left.

You can stop at any time simply by not renewing. Your access stays active until the end of the period you paid for, and your profile, sessions and history are never deleted automatically.

After a paid period ends you keep full Pro for a 3-day grace period, then read-only access to your history for 4 more days, and then Free access. Pro features return instantly when you renew.

To ask us about cancellation or to end your account, write to hello@holdylab.com with your account email and the product.

4. Refunds — when we refund

We review refund requests in good faith and one by one. Because access, reports and credits are delivered digitally and immediately, a refund is not guaranteed once access has been activated, a report unlocked, credits added or the service used. We do refund in these cases:

• Holdy Pro: a full refund if you ask within 24 hours of activation and have not used Pro features (for example full history, Regime Fit Map, Loss Response Lab or advanced Strategy Lab options).

• A duplicate payment, or a payment sent by mistake twice.

• A payment confirmed on the network but access not granted within 48 hours of your contacting support with the details we need.

• A technical error on our side that made the paid service unavailable for a significant part of the paid period.

• A wrong product bought by mistake and not used, if you contact us within 24 hours of the payment being confirmed.

• A product that materially does not match its description on the purchase page.

• Any case where the law requires a refund.

For each request we look at the time since payment, access status, use of Pro features, Lab Credits spent, whether a report was opened or exported, technical logs and applicable law.

5. Refunds — when we usually don't

• You changed your mind after using the digital access.

• You didn't reach a trading, financial or educational result you hoped for, or didn't become a profitable trader.

• You didn't use the subscription during the paid period.

• You didn't complete your own drill, scenario or challenge.

• You didn't read the product description, disclaimer or limits of the service.

• You sent USDT on the wrong network or to the wrong address, sent an unsupported token, or can't give a transaction hash we can identify.

• You already unlocked, viewed or exported a one-time digital report.

• Lab Credits were fully or partly used — used credits are not refunded.

• Access was limited or ended for breaking the Terms of Service, fraud, working around limits, abuse or breaking the law.

6. Lab Credits and one-time reports

Lab Credits are digital units used for extra features such as additional Strategy Lab runs. They never expire. Unused credits from a duplicate payment or a crediting error can be refunded; credits that were used are not.

If a credit was spent on a run that did not complete because of a confirmed technical error on our side, the credit is returned to your balance automatically.

One-time digital reports, when offered, are delivered as soon as they are unlocked. They can be refunded before the first time they are opened, but not afterwards except for a technical error, a material mismatch with the description, or where the law requires it.

7. Right of withdrawal in the EU, EEA and the UK

If you are a consumer in the European Union, the European Economic Area or the United Kingdom, you may have a legal right to withdraw from a distance contract, usually within 14 days without giving a reason. For digital content and services supplied immediately, that right may be limited or lost only in the cases and in the way applicable law allows.

Before immediate access is given, checkout may ask you for two separate, unticked-by-default confirmations: that you request immediate access before the withdrawal period ends, and that you understand your withdrawal right may be limited or lost once supply begins where the law permits. Your choices are recorded with the purchase.

To use a legal right of withdrawal, email hello@holdylab.com with the subject "Withdrawal Request" and your account email, purchase date, product, transaction hash and a statement that you withdraw from the contract. Rights you have under applicable law take priority over anything in this policy.

8. How to request a refund

Write to hello@holdylab.com within 14 days of the payment (or longer where the law gives you longer), with the subject "Refund Request — Holdy Labs — [transaction hash]". Include: the account email; your display name or user ID; the product; the amount; the network; the transaction hash; the date and time of the transfer; the reason; the wallet address for the refund on the same network; and confirmation that this address belongs to you.

We may ask for more information if the transaction hash can't be found, the amount doesn't match, the payment came from an unsupported network, there are signs of a duplicate, a security check is needed, or the right to a refund is disputed.

We aim to acknowledge your request within 2 business days and decide within 10 business days. It can take longer if we need a manual blockchain check, a check for duplicates or of how the product was used, further identification, or an assessment of your rights under applicable law.

9. How refunds are paid

An approved refund is normally paid in USDT, on the same network the payment arrived on where technically possible, to the wallet address you confirmed in your request, less the actual network fee where the law permits.

We are not responsible for a wrong refund address, an unsupported network, funds we cannot send to the address given, or losses from the wrong choice of network by the user.

If a refund in the original form isn't possible, we may offer a refund on another supported network, account credit, extended access or another solution agreed with you. You may decline an alternative if it does not meet your legal rights.

10. Technical problems

If a paid feature is unavailable because of us, we may restore access, extend your subscription, return Lab Credits, provide an equivalent digital product, or refund all or part of the payment. If a substantial part of Pro was unavailable for a long period, you can ask for an extension or a proportional refund.

11. Disputed payments

Payments in USDT don't have card-style chargebacks. If you think a payment was made in error or access wasn't provided, contact support first at hello@holdylab.com.

Please do not submit a false transaction hash, claim an unauthorized payment for a product you used, use someone else's wallet or account without permission, seek a duplicate refund, or work around subscription limits or credits. Where we suspect fraud or abuse we may pause access, ask for more information, refuse a refund to the extent the law allows, block future purchases, and keep technical and payment logs for investigation.

12. Changes and contact

We may update this policy. A new version applies to purchases made after it is published, unless the law requires otherwise. For products already paid for, the terms in force at purchase apply unless a change improves your rights or is required by law. The current version is always at https://holdylab.com/refund-policy.

Support: hello@holdylab.com — https://holdylab.com