Short version: write to [email protected] within 14 days and we will sort it out. The detail below explains when the law gives you a refund and what we do beyond that.
1. The 14-day right to cancel
If you are a consumer, you normally have 14 days from the day of purchase to cancel and get your money back, without giving a reason.
O!kurra is digital content delivered immediately: at checkout you are asked to agree that delivery starts at once and to acknowledge that you then lose the statutory right to cancel. That acknowledgement is required by law, and it is the reason the download and the licence key are available to you within seconds instead of after two weeks.
If you have not downloaded anything and have not activated the licence, the 14-day right applies in full: tell us and we refund you.
2. What we do beyond the statutory minimum
We would rather have a satisfied reader than a forced sale. Within 14 days of purchase we will refund you, even after download, if:
- the software will not run on your platform and support could not resolve it;
- the licence could not be activated on your MetaTrader account for reasons on our side;
- you were charged twice, or charged after cancelling a subscription.
We do not refund because a strategy you configured did not produce the result you hoped for. O!kurra is an educational tool: it executes the rules you set, and market outcomes are not something we can promise or undo.
3. Faulty software
If the software is not as described, not of satisfactory quality or not fit for purpose, you have statutory remedies — repair, replacement or a refund — regardless of the paragraphs above. Those rights are not limited by anything on this page.
4. Subscriptions
You can cancel a subscription at any time in the panel. Cancelling stops the next renewal; your licence remains active until the end of the period you have already paid for, and we do not refund the unused part of that period unless the law requires it.
If a renewal is charged after you cancelled, that is our error — tell us and we return it.
5. Money in your Granary
Unused “grains” can be recovered at any time — not only within 14 days. We refund them to the card you topped up from, in the amount matching your unused balance. We do not refund grains already spent (a paid subscription, work done by Creator PRO, a set downloaded from another user), nor grains you did not buy — those granted as rewards or added by us as a goodwill gesture.
The order of spending works in your favour. We cover a payment in this order: first the non-refundable grains (rewards and top-ups we granted), then the grains you bought, and only then your card. That way the money you can actually reclaim stays in the Granary for as long as possible.
A card refund therefore only covers the part that actually came from the card.
6. Workshops and recordings
A workshop seat and a workshop recording are two different purchases with different rules — so we describe them separately.
A seat at a dated workshop
You are buying participation in an event on a specific day and time. For services like these the statutory right of withdrawal does not apply (events tied to a specific date). Beyond the law, here is what we do:
- More than 7 days before the date — full refund, no questions asked. Write to [email protected].
- Less than 7 days before — the seat is held and someone from the waiting list usually cannot take it in time, so we cannot guarantee a refund. Write to us anyway: if the seat gets taken, you get your money back.
- You cannot attend — you get the recording on the same terms as the people who were there. You paid for access to the content, not for a chair.
If we cancel or move the date
If the session does not take place, or we move it to another day, the choice is yours: a full refund or a seat on the new date. Yours, not ours.
We reserve the right to move a date when very few people have booked — a workshop is a group conversation and with three people it stops being one. We tell you at least 3 days in advance.
Access to a recording
This is digital content delivered immediately, so the rules from section 1 apply: consenting to immediate access means giving up the statutory right of withdrawal. If the recording turns out not to be what you expected, write to us. We would rather refund than keep an unhappy customer.
Prices
Workshop prices are shown excluding VAT. VAT is added at payment according to the rate for your country — you see it before confirming the purchase.
7. How to ask
Write to [email protected] from the e-mail address on the account, with the order or licence number. We reply within 14 days, usually much sooner. Approved refunds go back to the original payment method through Stripe, normally within 5–10 working days depending on your bank.
Nothing here affects your rights under the Consumer Rights Act 2015 and the Consumer Contracts Regulations 2013 (or, if you live in the EU, the equivalent mandatory rules of your country).