Refund & Cancellation Policy

This Refund and Cancellation Policy ("Policy") explains how LearnSpark handles subscription cancellations, refund requests, and credit adjustments for its AI-powered adaptive education platform. By subscribing to or purchasing credits on LearnSpark, you agree to this Policy. Nothing in this Policy limits or excludes any mandatory statutory rights you may have under the laws of your jurisdiction.

1. Overview of LearnSpark Subscriptions

LearnSpark operates on a credit-based subscription model. Subscribers receive a monthly or annual allocation of credits that are consumed when using AI-powered lesson generation, adaptive assessments, and other platform features. Unused credits do not roll over between billing periods unless otherwise stated in the applicable plan terms.

2. Cancellation

2.1 How to Cancel

You may cancel your subscription at any time through any of the following methods:

• Log in to your account and navigate to Settings > Subscription > Cancel.
• Email [email protected] with your account email address.

Cancellation will be processed promptly and you will receive a confirmation email. The cancellation mechanism is designed to be at least as simple and accessible as the original sign-up process.

2.2 Effect of Cancellation

• Monthly plans: Your access continues until the end of the current monthly billing cycle. No further charges will be applied.
• Annual plans: Your access continues until the end of the current annual billing period. No partial-period refunds are issued for the remaining months unless required by applicable law (see Section 8).

2.3 Credit Balance on Cancellation

Any unused credits remaining at the end of a billing period after cancellation are forfeited. Credits have no cash value and are not transferable, except where a statutory refund right applies.

4. How Refunds Are Processed

Approved refunds are returned to the original payment method (for example, the credit card or PayPal account used for the purchase). Processing times depend on your payment provider but are typically completed within 5 to 10 business days after approval. Where a refund is required by statute, it will be processed without undue delay.

5. Account Suspension or Termination by LearnSpark

If LearnSpark suspends or terminates your account for a reason other than a breach of the Terms of Service by you, you will receive a pro-rata refund for any unused portion of a pre-paid subscription period. If your account is terminated due to your breach of the Terms of Service, no refund is payable except where required by applicable law.

6. Free Trials and Promotional Offers

If you sign up for a free trial, you will not be charged during the trial period. If you added a payment method at signup and do not cancel before the trial ends, your subscription will automatically convert to a paid plan at the rate disclosed at sign-up. LearnSpark will send reminder emails 3 days before, 1 day before, and on the charge day. The terms of the paid plan apply from the date of conversion.

Once your trial converts to a paid subscription and your card is charged, the payment is non-refundable. The 7-day free trial is provided in lieu of a post-purchase refund window: by choosing a plan, adding a payment method, and allowing the trial to convert, you are agreeing to be billed at the end of the trial. If you do not want to be billed, you must cancel your subscription in Settings → Billing before your trial ends. See §3.1 for the limited cooling-off exception that applies only to subscribers who did not use a free trial, and Section 8 for any longer statutory rights that apply in your jurisdiction.

No-card trials: if you started a no-card trial, you will never be charged. At the end of the 7-day trial your account is locked, and if you do not select a paid plan within 30 days, your account and all associated data are permanently deleted. See Terms §6.1.

7. Credit Top-Ups and One-Off Purchases

Credit top-ups or one-off credit purchases outside of a subscription are non-refundable once credits have been consumed. Unused credits from a top-up purchase may be refunded within 14 days of purchase, provided none of the purchased credits have been used.

8. Statutory Consumer Rights by Jurisdiction

Important: Nothing in this Policy is intended to exclude, restrict, or modify any mandatory statutory consumer guarantee, right, or remedy that applies under the laws of your jurisdiction. Where those laws apply, they prevail over any inconsistent term in this Policy. The sections below summarise key statutory protections in specific jurisdictions but are not exhaustive. You may have additional rights under local law.

8.1 Australia

Applicable law: Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)).

If you are an Australian consumer (as defined under the ACL), our services come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the services remedied if they fail to be of acceptable quality and the failure does not amount to a major failure.

A major failure in relation to services occurs when, among other things, the services are substantially unfit for their commonly intended purpose and cannot easily be made fit, or a reasonable consumer would not have acquired the services had they known the nature and extent of the failure.

Where a major failure exists, you may cancel your subscription and obtain a refund for the unused portion of any pre-paid period, regardless of the general cancellation terms in this Policy. Where a minor failure exists, LearnSpark will remedy the failure within a reasonable time or, if it fails to do so, you may have the right to cancel and obtain a refund.

Enforcement: The ACL applies to foreign corporations selling services to Australian consumers, including those without a physical presence in Australia. Complaints may be directed to the Australian Competition and Consumer Commission (ACCC) at accc.gov.au.

8.2 New Zealand

Applicable law: Consumer Guarantees Act 1993 (NZ) and Fair Trading Act 1986 (NZ).

If you are a New Zealand consumer purchasing services for personal, domestic, or household use, the Consumer Guarantees Act 1993 guarantees that services will be carried out with reasonable care and skill, will be fit for any particular purpose made known to the supplier, and will be completed within a reasonable time (where no time is agreed).

For a failure of substantial character, you may cancel the service and obtain a refund. For a failure that is not of substantial character, LearnSpark must remedy the failure within a reasonable time, and if it fails to do so, you may cancel and claim a refund. You may also claim compensation for reasonably foreseeable loss or damage caused by the failure.

LearnSpark cannot contract out of the CGA for services ordinarily acquired for personal, domestic, or household use. Any attempt to do so is unenforceable and may constitute an offence under the Fair Trading Act 1986 (NZ).

Enforcement: Complaints may be directed to the Commerce Commission at comcom.govt.nz or Consumer Protection at consumerprotection.govt.nz.

8.3 United Kingdom

Applicable law: Consumer Rights Act 2015 (UK), Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, and (when in force) the subscription contract provisions of the Digital Markets, Competition and Consumers Act 2024 (DMCCA).

Digital content rights. Under the Consumer Rights Act 2015, digital content supplied by a trader to a consumer must be of satisfactory quality, fit for a particular purpose, and as described. If LearnSpark's platform does not meet these standards, you have the right to request a repair or replacement. If a repair or replacement is not possible or does not resolve the issue, you are entitled to a price reduction, which may amount to a full refund depending on the severity of the failure.

Services rights. Where our platform is characterised as a service, it must be provided with reasonable care and skill and in accordance with information provided about the service. If it does not meet these requirements, LearnSpark must re-perform the service or, if that is not practical, provide a price reduction or refund.

Cooling-off and cancellation. Under the Consumer Contracts Regulations 2013, UK consumers who purchase a subscription online have a 14-day cooling-off period starting from the day after the contract is entered into, during which you may cancel for any reason and receive a full refund. If you request that the service begins during the cooling-off period and then cancel, LearnSpark may deduct an amount proportionate to the service provided up to the point of cancellation.

Upcoming DMCCA subscription rules. The Digital Markets, Competition and Consumers Act 2024 introduces additional subscription-specific protections for UK consumers, including mandatory renewal reminders, enhanced pre-contract disclosures, straightforward exit mechanisms, and a cooling-off period on renewal of certain contracts. These provisions are expected to come into force in late 2026. LearnSpark will update this Policy to comply with these requirements before they take effect.

Unfair terms. Any term of this Policy that is found to be unfair under Part 2 of the Consumer Rights Act 2015 is not binding on you.

Enforcement: Complaints may be directed to Citizens Advice (citizensadvice.org.uk) or your local Trading Standards authority. The Competition and Markets Authority (CMA) oversees market-wide enforcement.

8.4 United States

Applicable law: Federal Trade Commission Act (15 U.S.C. § 45), Restore Online Shoppers' Confidence Act (ROSCA) (15 U.S.C. §§ 8401–8405), applicable state automatic renewal and subscription laws, and payment network (Visa/Mastercard) merchant operating rules.

Federal protections. Under ROSCA and Section 5 of the FTC Act, LearnSpark is required to clearly disclose material terms of its subscription (including pricing, billing frequency, and cancellation process) before obtaining your billing information, obtain your express informed consent before charging you on a recurring basis, and provide a simple mechanism for you to cancel that is at least as easy to use as the method you used to subscribe.

State automatic renewal laws. Many U.S. states (including California, New York, Colorado, and others) have enacted automatic renewal and subscription laws that impose additional requirements such as: clear and conspicuous disclosure of automatic renewal terms before the consumer subscribes; an online cancellation mechanism when the subscription was initiated online; acknowledgment or confirmation of the subscription terms sent to the consumer after enrolment; and advance notice before renewal charges. Where you reside in a state with such protections, those state law rights apply to your subscription in addition to this Policy.

Click-to-cancel compliance. While the FTC's expanded Negative Option Rule (the "Click-to-Cancel" rule) was vacated by the Eighth Circuit Court of Appeals in July 2025, the FTC has initiated a new rulemaking process (March 2026 ANPRM) and continues active enforcement under existing authorities. LearnSpark maintains cancellation processes consistent with current best practices and will update this Policy to comply with any new federal rules when they take effect.

Payment network requirements. Visa and Mastercard merchant operating rules require transparent billing disclosures, an accessible online cancellation option for subscriptions initiated online, and confirmation of cancellation. LearnSpark complies with these requirements.

Enforcement: You may file complaints with the Federal Trade Commission (ftc.gov) or your state attorney general's office.

8.5 How to Exercise Your Statutory Rights

If you believe a statutory consumer guarantee or right has not been met, contact us at [email protected] with a description of the issue. We will investigate and respond within 10 business days. If we confirm a failure covered by applicable consumer protection law, we will offer the appropriate remedy (repair, re-performance, refund, price reduction, or compensation) at no cost to you and without undue delay. If you are unsatisfied with our response, you may escalate your complaint to the relevant authority in your jurisdiction as listed in each subsection above.

9. Dispute Resolution

If a refund dispute arises that is not resolved through our support process, you may pursue resolution through the small claims court, consumer tribunal, or alternative dispute resolution provider in your jurisdiction. Nothing in this section limits your right to seek remedies under applicable consumer protection legislation. For UK consumers, certified Alternative Dispute Resolution (ADR) providers may also be available.

10. Changes to This Policy

LearnSpark reserves the right to update this Policy from time to time. Material changes will be communicated to active subscribers via email at least 14 days before they take effect. The most current version of this Policy is always available at learnspark.io/refund-policy. Changes to this Policy will not retrospectively reduce your statutory rights.

11. Contact Us

Email: [email protected]

Website: https://learnspark.io

This Policy was last updated on 25 March 2026.