MONEY‑BACK POLICY
Effective date : 24 March 2025
This Policy explains when and how you can obtain a refund for subscription payments made directly on ykards.com. It supplements—and does not replace—your statutory rights under applicable consumer‑protection laws.
1. General principle
Except where a refund is required by law or expressly granted under this Policy, all charges are final and non‑refundable once processed.
Note:
deposit
never refundable in cash
1‑bis. Scope of this Policy – subscription charges only
This Money‑Back Policy applies exclusively to Ykards membership fees (the introductory‑month charge and subsequent renewals).
Deposits that you load onto your Ykards digital MasterCard – and the 10 % Cashback Bonus we add – are e‑money issued by Park Card Services Ltd. Ykards does not refund, redeem, or exchange that e‑money.
If you wish to redeem an outstanding Card balance, please consult the Cardholder Agreement and contact the Issuer directly. Redemption is subject to the Issuer’s terms, regulatory limits and identification requirements.
2. Our 30‑day Money‑Back Guarantee
We want new members to try Ykards risk‑free. If you are dissatisfied after the first paid subscription charge (the introductory month), you may request a full refund within 30 days of that payment, provided all conditions below are met.
| Requirement | Detail |
|---|---|
| a. Contact window | Email help@ykards.com within 30 days of the introductory‑month charge and before your current billing cycle ends. |
| b. Information we need | • Email used at sign‑up • Last 4 digits of the funding card • Date & amount of the payment • Short description of why you are not satisfied (technical issue, service not as advertised, etc.). Screenshots help us diagnose faster. |
| c. One‑time benefit | The guarantee applies only to your first paid subscription charge per customer/household. Renewals and subsequent charges are excluded. |
| d. Account status | Your account must be in good standing (no chargebacks, no fraud flags, no breach of Terms of Use). |
We review requests in good faith and email you our decision—approved or declined—within 5 UK business days.
3. Cases not covered by the guarantee
- Billing awareness issues (e.g., forgot to cancel before renewal).
- Requests regarding Deposits or Cashback Bonus values.
- Multiple money‑back claims from the same customer or household.
- Abuse or fraud.
These situations may still fall under statutory withdrawal rights (see Section 5), but they do not qualify for our voluntary guarantee.
4. How refunds are issued
- Approved refunds are issued to the original payment method only.
- We submit the credit within 5 business days of approval; your bank may take 10–15 business days to post it.
5. Statutory withdrawal right (EU / UK residents)
If you reside in the European Union or United Kingdom, you may withdraw from your digital‑service contract within 14 days of the first paid charge without giving any reason.
How to exercise
- Email help@ykards.com with a clear statement (“I hereby withdraw from the contract for Ykards”), or send the model form below.
- Do so before the 14‑day period expires.
Refund timing
We reimburse all sums received within 14 days of receiving your notice, via the same payment method, without fees.
If you expressly asked us to begin the Service during the withdrawal period and acknowledged losing the right to withdraw, we may deduct a pro‑rata amount for days already provided.
Model withdrawal form (optional)
To : APH Services LLC –
I/We [ ___ ] hereby withdraw from my/our contract for Ykards.
Ordered on / first paid on : [ ___ ]
Name : [ ___ ]
Address : [ ___ ]
Signature (only if sent on paper)
Date : [ ___ ]
6. Chargebacks
Please contact us first—help@ykards.com—before initiating a chargeback. We can usually resolve issues faster and without the negative consequences (bank fees) that accompany payment disputes. Fraudulent or abusive chargebacks may lead to permanent account closure.
7. Policy changes
We may amend this Policy from time to time. Any change will appear here with a new “Effective date”. If changes materially limit your refund rights, we will notify active members in advance by email or site banner.
8. Need help?
Email : help@ykards.com
☎ +44 330 822 0969 – this is an automated help line that provides self‑service information about trials and cancellations steps. It does not connect you to a live agent. For personalised assistance or to submit documents, please email us.