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Barky

Refund Policy

Barkworthy Notes Refund Policy

Last Updated: May 16, 2025

At Barkworthy Notes, we strive to provide valuable trading education through our subscription-based Services, including access to our website (https://thebarkworthynotes.com), blogs, email newsletters, social media accounts (e.g., X, TikTok, YouTube), Discord servers, Substack trade plans, trading courses, videos, podcasts, live streams, and any other current or future platforms (collectively, “Services”). This Refund Policy outlines our terms for refunds and cancellations, aligning with our commitment to transparency and fairness. This policy is part of our broader Disclaimer, which governs the use of our Services and emphasises their entertainment, educational, and informational purposes.

As a business registered in Norway, we comply with the General Data Protection Regulation (GDPR), the EU Consumer Rights Directive (2011/83/EU), and applicable U.S. laws, such as the California Consumer Legal Remedies Act. By subscribing to or using our Services, you expressly agree and acknowledge that you have read, understood, and consent to this Refund Policy, as noted in our Disclaimer’s Section 20.

1. Subscription-Based Services

Access to our Services is provided through recurring subscriptions (e.g., monthly or annual Substack memberships, Discord community access) rather than one-time fees or purchases. Subscriptions grant you access to educational content, such as trade plans, courses, and community discussions, for the duration of your active subscription, subject to our Disclaimer and Terms of Service (if applicable).

2. General No-Refund Policy

Due to the digital and subscription-based nature of our Services, we generally do not offer refunds for subscription payments, except as required by applicable law or as outlined in this policy. By subscribing, you acknowledge that:

  • Payments are for immediate access to digital content, including newsletters, trade plans, and community features, which are provided as described in our Disclaimer’s Section 1.
  • You are responsible for evaluating the suitability of our Services before subscribing, as noted in our Disclaimer’s Section 14.
  • No guarantees are made regarding trading outcomes or content performance, per our Disclaimer’s Sections 2 and 13.

3. Legal Exceptions for Refunds

We comply with mandatory refund requirements under applicable laws, including but not limited to:

  • EU/EEA Users (14-Day Cooling-Off Period): Under the EU Consumer Rights Directive (2011/83/EU) and Norwegian consumer laws, EEA residents have a 14-day right to withdraw from digital subscriptions and receive a full refund, starting from the subscription date. To comply with this:
    • You must expressly consent to immediate access to our digital content (e.g., Substack trade plans, Discord access) and acknowledge that this waives your 14-day cooling-off right, as permitted by law.
    • Consent is typically obtained during subscription checkout (e.g., via Substack’s payment process). If you do not consent and request a refund within 14 days, we will process it promptly, provided you have not accessed the content.
  • U.S. Users: Some U.S. states (e.g., California) may require refunds for defective services or unused subscription periods. If legally mandated, we will provide refunds for the unused portion of your subscription, calculated pro-rata.
  • Other Jurisdictions: Where local laws require refunds (e.g., for technical issues preventing access), we will comply upon verification of eligibility.

4. Refund Request Process

To request a refund where legally eligible:

  • Contact Us: Submit your request to barky@thebarkworthynotes.com within the applicable legal timeframe (e.g., 14 days for EEA users).
  • Provide Details: Include your name, email, subscription details (e.g., Substack plan), and reason for the request (e.g., legal cooling-off, technical issue).
  • Verification: We may verify your eligibility, such as non-access to content for EEA cooling-off requests or proof of technical issues.
  • Processing: Approved refunds will be issued to the original payment method within 10 business days, subject to our payment processor’s terms (e.g., Substack, Stripe).

We do not offer refunds for:

  • Change of mind after accessing content, unless legally required.
  • Failure to achieve trading results, as our Services are educational and not guarantees of profit, per our Disclaimer’s Section 2.
  • Technical issues resolved promptly or caused by your device/internet, per our Disclaimer’s Section 13.

5. Subscription Cancellation

You may cancel your subscription at any time to prevent future charges:

  • Substack: Cancel via your Substack account settings or contact Substack support. Cancellation takes effect at the end of the current billing cycle, with no proration for partial periods.
  • Discord: Cancel premium access (if applicable) via Whop or contact us at barky@barkworthynotes.com. Access ends at the billing cycle’s conclusion.
  • Other Platforms: Follow platform-specific cancellation processes (e.g., Patreon, Telegram, if used).

No refunds are provided for the unused portion of a billing cycle unless required by law (see Section 3). Upon cancellation, you retain access until the current billing cycle ends.

6. Affiliate and Third-Party Subscriptions

Some subscriptions may involve affiliate partners (e.g., TradingView premium plans linked in our content) or third-party platforms (e.g., Substack, Discord). Refunds for these are governed by the respective third-party’s refund policy, as noted in our Affiliate Disclosure Policy and Disclaimer’s Section 13. We are not liable for third-party subscription disputes, but you may contact us at barky@barkworthynotes.com for assistance in navigating their processes.

7. Liability and Indemnification

You acknowledge that subscription payments and use of our Services are at your own risk, as outlined in our Disclaimer’s Section 13. Barkworthy Notes, its employees, owners, officers, agents, advisors, affiliates, and representatives are not liable for any losses, damages, or claims arising from your subscription, including but not limited to technical issues, content access, or refund disputes, except as required by law. By subscribing, you agree to indemnify and hold harmless Barkworthy Notes and its associated parties, per our Disclaimer’s Section 13.

8. Updates to This Policy

We may update this Refund Policy periodically to reflect changes in our practices, regulations, or Services. The latest version will be posted at https://thebarkworthynotes.com/refund-policy, with significant changes communicated via Substack newsletters, email, or social media. By continuing to use our Services, you agree to the updated policy, as noted in our Disclaimer’s Section 20.

9. Contact Us

For refund requests, questions, or concerns, contact our team at barky@thebarkworthynotes.com. For EEA users, you may also contact the Norwegian Consumer Authority or your local consumer protection agency. For California users, contact the California Attorney General for consumer concerns.

10. Acknowledgment

By subscribing to or using our Services through any publication channels, you expressly agree and acknowledge that you have read, understood, and consent to this Refund Policy, including its no-refund terms and legal exceptions, as part of our Disclaimer. If you do not agree, please do not subscribe or use our Services.