Refund Policy

This Refund Policy applies to paid digital services supplied through scripture.how by Quant How, Inc. ((주)퀀트하우). 1. Withdrawal period You may request withdrawal or a refund within 7 days from the later of the payment date or receipt of the contract information. More favorable mandatory law or payment-provider buyer protection prevails. 2. Full refunds We normally provide a full refund for a verified duplicate, mistaken, or unauthorized charge; cancellation before paid service begins; failure caused by us that cannot reasonably be cured or replaced; or another case required by law. 3. After digital supply begins Withdrawal may be restricted, only to the extent legally permitted and properly disclosed and consented to before payment, after a storage entitlement is linked to an audio set, paid credits are used, or paid digital supply otherwise begins. This does not exclude remedies for defects, material misdescription, or mandatory withdrawal rights. 4. Subscriptions Subscriptions may be cancelled at any time through subscription management or email. Cancellation prevents the next renewal but does not by itself refund an already paid period. Refund requests remain available during the withdrawal period, for service failure, or where law or a payment-provider policy allows. 5. Lifetime cloud storage Unused storage entitlements are fully refundable during the withdrawal period. Linking an entitlement and starting upload or storage may constitute commencement of digital supply. A linked set remains stored without an additional recurring fee after cancellation for as long as the Company operates the service. Permanent discontinuation will include reasonable notice and an export/migration period, plus a refund or alternative where law requires. 6. One-time support A voluntary one-time contribution with no separate paid deliverable differs from a product purchase. We will review and refund duplicate, mistaken, unauthorized, or not-yet-processed payments, subject to mandatory law and payment-provider rules. 7. Request and timing Send the account email, order number, payment date, amount, and reason to [email protected] or use payment/subscription management. Approved refunds return to the original payment method. Where the Company has the direct refund obligation, it starts the refund process within 3 business days as required by applicable law; bank or processor settlement may take longer. A Merchant of Record such as Paddle executes refunds for transactions where it is the seller. 8. Limits and disputes Refunds may be limited for intentional abuse, fraud, fully consumed credits, or digital services meeting lawful withdrawal exceptions. Mandatory consumer rights are not excluded. Requests for review may be sent to [email protected]. Effective date: July 16, 2026