Refund Policy

1. Which purchases this covers

This policy covers paid SGG Research factor subscriptions supplied by DREAVERR Digital Solutions LLP. The public research package is free and creates no subscription or charge.

The ECPND subscription is advertised at USD 1,850 per month and billed as USD 5,550 every three months, plus applicable taxes shown before payment. Review the sample, product description and Terms of Service before purchasing.

2. Purchases through Paddle

For a transaction processed by Paddle, refunds and applicable withdrawal rights are governed by Paddle's Refund Policy. We impose no additional eligibility conditions that reduce those rights.

Paddle distinguishes statutory rights from discretionary refund requests. Its policy permits consideration of discretionary requests made within 14 days of a transaction; making a request within that period does not guarantee approval. Any mandatory rights that apply to your purchase remain in force.

3. How to request help or a refund

1. For a Paddle purchase, use the support link in your receipt or visit paddle.net and choose the refund option.
2. Identify the purchase using your order reference and purchase email, and explain the issue. Do not send a password, API key or full card number.
3. For delivery problems or help locating your purchase, email our support team. We can investigate the service issue and coordinate with the payment provider.

Paddle determines and processes refunds for its transactions under its policy. Approved refunds normally return through the original payment method where possible; processing times depend on the provider and your bank. A refund may end the access associated with the refunded purchase.

If an order was invoiced directly by DREAVERR Digital Solutions LLP rather than Paddle, contact us using the invoice reference. We will review the order and any failure to deliver the agreed service, apply the rights and remedies required by law and arrange any refund due. Paddle cannot refund a transaction it did not process.

4. Cancel future renewals

You can cancel at any time before your next renewal. Use your account to cancel future renewals. For a Paddle subscription, you can also use the manage-subscription link in your receipt or paddle.net. Contact support if you need help accessing your account.

Cancellation takes effect at the end of the current paid period. It prevents future renewal charges, and access continues until that period ends unless a refund or other valid termination ends it earlier. Cancelling does not by itself refund or prorate the current quarter. Refund requests and statutory withdrawal rights are handled separately.

If we discontinue paid access

If SGG Research discontinues a factor or otherwise ends prepaid access for reasons other than your material breach, future renewals stop and we will arrange a proportionate refund for the unused service period. For a Paddle purchase, we coordinate that refund through Paddle. Any greater rights under applicable law or Paddle's terms remain unaffected. See service discontinuation in the Terms of Service.

A move from early access to regular sale does not itself end an uninterrupted early access subscription or change its agreed price. Cancelling ends that continuing arrangement when the paid subscription expires; a later new subscription is subject to the then-available offer.

5. Problems and statutory rights

Contact us promptly if paid access is not delivered or the service materially differs from the agreed product. We will investigate and work with you and, where applicable, Paddle on the appropriate remedy. Historical research outcomes are not a promise of future investment returns.

Nothing in this policy excludes mandatory rights concerning withdrawal, non-delivery, defective service or billing disputes. You may contact the payment provider about a charge; contacting us first can help resolve an issue but does not remove your lawful dispute rights.

6. Contact