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Summet Refund Policy

Last updated: 2026-11-13

CoMente (“the Company”) sets out the following terms regarding refunds, payment cancellation, and subscription termination for Summet paid services. This policy is identical to Article 11 of the Company’s Terms of Service and forms part of those Terms. Where applicable law or a payment provider’s policy grants you more favourable rights, those rights prevail.

1. Payment and Seller of Record

  • Payments made through the Company’s website or web-based checkout are processed by Paddle.com Market Limited (“Paddle”).
  • For payments made through Paddle, Paddle is the Merchant of Record and authorised reseller. Your contractual counterparty for payment, billing, taxes, and refunds is Paddle; your use of the service itself is governed by the Company’s Terms of Service. Your statement may show Paddle or a descriptor designated by Paddle. Paddle calculates, collects, and remits applicable taxes. See Paddle’s Checkout Buyer Terms at paddle.com/legal/checkout-buyer-terms, Paddle’s Refund Policy at paddle.com/legal/refund-policy, and buyer support at paddle.net.

2. Statutory Withdrawal Rights

  • Nothing in this policy limits statutory withdrawal or cooling-off rights. Where law, Paddle’s Refund Policy, and this policy conflict, the standard more favourable to you applies.
  • Republic of Korea: under the Act on Consumer Protection in Electronic Commerce, you may withdraw from digital content or service contracts within 7 days of payment, and if you have not used paid features during that time you receive a full refund. This also applies to subscription renewal payments.
  • European Union (EU), European Economic Area (EEA), Switzerland, and the United Kingdom: consumers have 14 days from the transaction date to withdraw. This applies to one-off purchases and to the first payment under a subscription, and generally not to later renewal payments. If a subscription includes a free trial, a further 14-day period may begin when the trial ends. For UK annual subscriptions, a new 14-day withdrawal period begins on the auto-renewal date.
  • For Paddle transactions, Paddle’s country-specific rules may also apply (for example 7 days in Korea, Brazil, China, and Canada; 5 days in Singapore; 14 days in Turkey and Israel).
  • Where digital content or a digital service starts during the withdrawal period and you expressly consented to immediate supply and acknowledged that you would lose the right to withdraw, that right may not apply to the extent permitted by law.

3. The Company’s 14-Day Refund Window

  • Refunds for Paddle purchases are governed by Paddle’s Refund Policy. In addition to statutory rights, Paddle may, at its discretion, review refund requests submitted within 14 days of the transaction. A request within that period does not guarantee a refund. Paddle may consider the nature of the product, the reason for the request, usage or consumption, and applicable contractual terms, and may approve a full or partial refund or decline the request.
  • For web (Paddle) subscriptions, you can request a refund directly from the Company’s subscription screen (web or app) within 14 days of payment. The request is passed to Paddle as the seller of record.
  • A refund requested from the subscription screen is the amount paid for the current billing period minus the share used since payment; if you have not used the service, it is the full amount. The used share is the larger of the proportions of the plan’s monthly allowance (credits and voice time) that you have used. For annual plans, the monthly allowance is one twelfth of the billing period, so the used share is one twelfth of that proportion. For example, if you used 20% of a month’s credits on a monthly plan, you receive 80% of the payment; if you used the whole first month’s allowance on an annual plan, you receive eleven twelfths of the payment.
  • When you request a refund, paid access for that billing period ends immediately and automatic renewal stops.
  • Refunds from the subscription screen are processed right away once per account every 365 days. A further request within that period is reviewed by Company support, and refunds may be limited where abuse of the refund process is suspected, such as repeatedly subscribing and requesting refunds. Refunds of payments for which paid features were not used within 7 days (Section 2) and early-termination refunds for annual plans (Section 5) are handled regardless of how many refunds you have received.
  • For the Team plan, monthly payments more than 14 days old, and any other case, you can request a refund through Company support or at paddle.net, and it will be handled under Paddle’s Refund Policy and applicable law.

4. Circumstances Where Refunds May Be Limited

  • Refunds may be declined where fraudulent payment, refund abuse, or other manipulative behaviour is identified.
  • Credits, promotions, trials, and other items provided free of charge are not eligible for refund.
  • Statutory withdrawal rights are not limited by the above. Rights relating to products that are not as described, faulty, or not fit for purpose are also not limited.

5. Subscription Renewal and Cancellation

  • Subscriptions renew automatically each billing cycle at the amount shown at checkout unless you cancel.
  • Cancellation must be completed before the next scheduled billing date. After cancellation, access remains until the end of the period already paid for.
  • If you cancel a monthly plan, you keep access until the end of the period already paid for. If you would like a refund for the remainder of the period more than 14 days after payment, you can request it through Company support, and it will be handled in accordance with applicable law.
  • Annual plans can be ended early at any time, including more than 14 days after payment. If you request a refund from the Company’s subscription screen, the plan ends immediately and you receive the amount paid for the current billing period minus the amount for the time already passed (counted by day) and an early-termination fee of 10% of the remaining amount. To keep using the plan until the end of the paid period and only stop renewal, choose Cancel subscription.
  • Paddle subscriptions can be cancelled through the Paddle buyer portal (the Manage subscription link in your receipt or subscription email, or the Company’s subscription screen).
  • You can cancel auto-renewal through the Company’s subscription management screen or using the contacts in Section 7.

6. Handling by Payment Channel

  • Web payments (Paddle): handled by Paddle. Request a refund from the Company’s subscription screen (Section 3) or at paddle.net, or contact the Company at help@comente.io and we will submit the request to Paddle. Approved Paddle refunds are returned to the original payment method where possible and processed within 14 days of approval under Paddle’s policy.
  • Apple App Store purchases: refunds and cancellations follow Apple’s policies and must be requested through Apple. The Company cannot influence Apple’s decision.
  • Google Play purchases: refunds and cancellations follow Google’s policies and must be requested through Google Play. The Company cannot influence Google’s decision.
  • You must request a refund through the channel you actually paid through. The Company will provide guidance and assistance to the extent each channel permits.

7. How to Request a Refund and Processing Time

  • Company support: email help@comente.io or phone +82-70-8064-3194 (weekdays 10:00–18:00 KST). Please include the account email used for payment and the date and time of the payment.
  • Paddle order support: paddle.net (View receipt / Manage subscription on your receipt, or Request refund).
  • The Company will respond with the outcome within 5 business days of receiving the request.
  • Where a refund is approved, the amount is returned to the original payment method. Banks typically take 5–10 business days to show the credit. Paddle-processed refunds follow Paddle’s processing timeline.

8. Errors and Duplicate Charges

  • Where a duplicate charge, system error, fraudulent payment, or a charge caused by the seller of record is confirmed, a full refund or other required action will be taken in accordance with applicable law and the relevant payment-channel policy.

9. Changes to This Policy

  • The Company may amend this policy in response to changes in law, payment-channel policies, or operational needs. The effective date and details will be posted on the website in advance. Completed payments remain governed by the policy in effect at the time of payment. Changes to Paddle’s Refund Policy for Paddle transactions are governed by Paddle’s notices.