Return & Refund Policy

Last updated: 29 July 2026

This policy explains cancellations, returns and refunds for ChequeFlow PH, a subscription software service operated by Arcoute Software Publishing (sole proprietorship, DTI Business Name Registration No. P-N-2026-8282012), Candon City, Ilocos Sur, Philippines.

Current status: free beta. ChequeFlow is free while it’s in beta. We don’t ask for a payment method and we don’t charge anything, so there is nothing to refund yet. What follows applies once paid plans start. We are publishing it now so the terms are settled before anyone is charged.

1. What you are buying

ChequeFlow is software you use in a browser. Nothing physical ships, so there is nothing to send back and no return is possible or required. A subscription buys access for one month at a time.

2. Cancelling

Cancel any time from the Billing screen. No cancellation fee, no minimum contract.
Cancelling stops the next renewal. You keep full access until the end of the month you have already paid for.
Cancel during a free trial and you won’t be charged at all.

3. Refunds

Situation	Outcome
Cancellation partway through a paid month	Access continues to period end. Fees already paid for the current or a past period are not refunded, and we do not pro-rate unused days.
Duplicate or double charge	Fully refunded.
Charge after a valid cancellation	Fully refunded.
Billing or technical error on our side	Fully refunded, or credited at your choice.
Unauthorised charge (card not used by you)	Investigated and refunded where confirmed. Report it immediately.
Prolonged service failure attributable to us	Refund or credit for the affected period, assessed case by case.

We can hold to that rule for time already used only because we tell you the price, the renewal date and how to cancel before you agree to pay anything. Where the law requires a refund, the law wins over this policy.

4. How to request a refund

Email arcouteenterprises@gmail.com. Tell us the account email, roughly when you were charged and for how much, and what went wrong.
We’ll reply within two (2) business days and aim to settle it within seven (7) business days.
Approved refunds go back to the original payment method. Your bank usually posts the credit within one or two billing cycles.

5. Your statutory rights

Nothing in this policy removes any non-waivable right or remedy you may have under the Consumer Act of the Philippines (RA 7394), the Internet Transactions Act of 2023 (RA 11967), or other applicable law. If you were charged without proper disclosure or consent, tell us and we’ll put it right.

See also our Dispute Resolution Policy and Terms of Service.