Refund and Cancellation Policy

Payment and Cancellation Terms

Kuma Finances S.A.S establishes the following terms for the management of payments and cancellations of its digital services.

1. Subscription Cancellation

Users may cancel their subscription to the Kuma Pro or Kuma Premium plans at any time from the "Subscription" section in the application, which takes them to the subscription management page of their Apple App Store or Google Play account, depending on the store where they made the purchase. Upon cancellation, all future automatic charges will stop. The user will keep access to the premium features until the end of the current billing cycle (monthly or annual) that has already been paid.

2. Refund Policy

Due to the nature of digital goods and the high Artificial Intelligence processing costs associated with our service, Kuma Finances applies the following refund policy:

• App store subscriptions: subscriptions are purchased only as in-app purchases through the Apple App Store and Google Play, so the refund process is subject exclusively to Apple's or Google's refund policies. Kuma cannot process refunds directly for payments made in those stores.
• Automatic renewals: It is the user's responsibility to cancel the subscription before its renewal date. Kuma does not handle refunds for automatic renewals if the user forgot to cancel in time; any request is governed by the policies of the relevant store.
• Technical issues: if you experience critical technical failures that prevent you from using the application, or if paid features were not activated correctly after your purchase, write to us so we can resolve it as soon as possible. If a refund is warranted, we will guide you in requesting it from Apple or Google, which handle refunds in accordance with their policies.
• Web purchases: there is currently no web purchase channel. If one is enabled in the future, it will be announced on these pages and the conditions published there will apply.

3. How to Request a Refund

Refund requests are submitted directly to the store where you made the purchase: for Apple, at reportaproblem.apple.com; for Google Play, from your order history or the Google Play Help Center.

If you need help with the process or have a technical issue, contact us at kuma_admin@kumafinances.com, indicating the email address associated with the account and the reason for your request.