Last updated April 28, 2026

Refund Policy

We want every reader to feel the care that went into their reading. If something goes wrong, we'll make it right. This page explains both your statutory rights and our voluntary goodwill commitment.

  1. 01Technical failure
  2. 02Goodwill promise — unhappy with content
  3. 03Statutory right of withdrawal — express waiver (Dir. 2011/83/EU Art. 16(m))
  4. 04Statutory non-conformity remedies
  5. 05How to request a refund
  6. 06Out-of-court dispute resolution

01Technical failure

If your reading fails to generate, arrives incomplete, or cannot be delivered for technical reasons attributable to us, we regenerate it at no cost or, on request, refund the full amount.

02Goodwill promise — unhappy with content

If you read your reading and feel it missed you, write to hello@karmogram.com within 14 days of delivery. We will discuss it with you. Often we can regenerate with better context, or refund the full amount. This is a voluntary commitment that goes beyond what EU law requires for digital content delivered immediately.

03Statutory right of withdrawal — express waiver (Dir. 2011/83/EU Art. 16(m))

Karmogram readings are digital content delivered immediately after payment. By ticking the dedicated consent box at checkout ("I expressly request immediate delivery of my reading and acknowledge that I waive the 14-day right of withdrawal under EU Directive 2011/83/EU Art. 16(m) once delivery begins") and proceeding to payment, you (a) expressly request immediate performance and (b) waive the 14-day right of withdrawal that would otherwise apply under Article 16(m) of Directive 2011/83/EU and the Romanian transposition (OUG 34/2014). You receive written confirmation of this waiver in your purchase email. Our goodwill promise above (section 2) applies regardless of this waiver.

04Statutory non-conformity remedies

Independently of the above, you keep all statutory remedies for digital content that does not conform to the contract under Directive (EU) 2019/770 and the Romanian transposition (Law 140/2021), including the right to bring the digital content into conformity, to a price reduction or to termination.

05How to request a refund

Email hello@karmogram.com with (a) your order number (in your purchase confirmation) and (b) a short reason for the request — telling us what went wrong lets us make it right, and every claim is read personally. Approved refunds are processed via Stripe to the original payment method within 5 business days; depending on your card issuer, the funds may take a few additional days to reach your account.

06Out-of-court dispute resolution

If we cannot agree, see the dispute-resolution section of the Terms of Service for ANPC, the Romanian SAL register and the EU ODR platform.

Operated by CyGuru Pharm SRL (registration pending, CUI RO52437696), Branesti, str. Horia 33c, jud. Ilfov. Contract nr. 1/17.04.2026.