MIRKASO
Refund Policy·Версія 2026-05-15·Набирає чинності: 2026-05-15
Українська версія

Refund Policy

Version: 1.0 Effective Date: May 15, 2026 Service Owner: FOP Haitan Kyrylo Oleksandrovych Website: https://mirkaso.com Contact Email: support@mirkaso.com

1. General Provisions

This Refund Policy (hereinafter referred to as the "Policy") defines the terms and procedures for refunding money to users of the Mirkaso platform (hereinafter referred to as the "Service").

The Service is provided by FOP Haitan Kyrylo Oleksandrovych (hereinafter referred to as the "Provider") under the terms of a public offer agreement (hereinafter referred to as the "Agreement").

Legal Basis

A user who is a consumer (an individual) has the right to a refund within 14 (fourteen) calendar days from the moment of payment for the service, in accordance with Article 9 of the Law of Ukraine "On Consumer Rights Protection."

Mirkaso is a SaaS platform for analytical tools that provides access to IT analytical tools, market data analysis tools, data analytics, and market research tools. The Service is not a financial institution, broker, or investment advisor.

Right to Refund

The user has the right to submit a refund request if:

  • no more than 14 calendar days have passed since the payment;
  • the service has not been materially used (see Material Usage Criteria in Section 2);
  • the user has not violated the Acceptable Use Policy (AUP);
  • the user has not received a refund previously for the same account/subscription.

2. Refund Conditions

2.1. "Material Usage" Criteria

To determine eligibility for a refund, the Provider applies objective criteria of material use of the service. The service is considered materially used if during the subscription period at least one of the following actions was performed:

| Criterion | Threshold of Material Usage | |-----------|----------------------------| | Number of API requests | 5 or more requests | | Data exports | 3 or more exports | | AI functionality usage | Processing of 10 or more portfolios | | Duration of active use | 7 or more days from the moment of subscription activation |

Note: All specified thresholds are cumulative. If the user exceeds at least one threshold, the service is considered materially used.

2.2. Positive Conditions for Refund

A refund is granted if:

  • no more than 14 calendar days have passed since the payment;
  • the material usage criteria have not been exceeded (fewer than 5 API requests, fewer than 3 data exports);
  • the subscription was not used for 7 or more calendar days;
  • the user has not violated the Acceptable Use Policy (AUP);
  • a previous refund request for this account was not approved.

2.3. Usage Logging

The Provider maintains an automatic log of service usage by each user, which includes: number of API requests, number of exports, use of AI functionality, and login dates. This data is used to objectively verify refund criteria and may be provided to the user upon request.

3. How to Submit a Refund Request

To submit a refund request, the user must:

Step 1: Send an Email

Send an email to support@mirkaso.com with the mandatory subject line: "Refund Request".

Step 2: Provide Required Information

The body of the email must include the following information:

| Field | Description | Example | |-------|-------------|---------| | Account Email | Email used to log in to Mirkaso | user@example.com | | Payment Date | Date the payment was made | 2026-05-01 | | Transaction ID | Transaction ID from the receipt (if available) | ch_3N... | | Payment Provider | Payment method (PayPal / Payoneer) | PayPal | | Payment Amount | Amount in the payment currency | USD 49.00 | | Reason for Refund | Brief description of the reason (optional but recommended) | Service does not meet expectations |

Step 3: Wait for Confirmation

After receiving the request, the system automatically sends a receipt confirmation (auto-reply). The support team verifies compliance with refund criteria and sends a decision within 10 business days.

Step 4: Processing the Decision

If the refund is approved, the funds will be transferred within 5–10 business days from the moment the confirmation is sent.

4. Review Timeline

| Stage | Timeline | |-------|----------| | Confirmation of request receipt | Automatic (within 1 hour) | | Review by support team | Up to 10 business days from receipt | | Notification of decision | Email to the address from which the request was sent | | Refund transfer after approval | 5–10 business days |

If the request requires additional verification (usage log review, data clarification), the review period may be extended to 15 business days, with mandatory notification to the user.

5. Refund Method

5.1. Same Payment Method

Refunds are made using the same payment method used for the original payment:

| Payment Provider | Refund Method | Processing Time | Currency | |------------------|---------------|-----------------|----------| | PayPal | To the same PayPal account | 3–7 business days | USD | | Payoneer | To the same Payoneer account | 5–10 business days | USD |

5.2. Same Currency

The refund is made in the currency in which the original payment was made — USD (US Dollars). Currency exchange rate differences are not compensated. Fees associated with currency conversion are borne by the user.

5.3. Fees

  • If the refund is processed within 14 calendar days and the refund criteria are met, payment system fees are not deducted from the user (they are covered by the Provider).
  • In all other cases, payment system fees are deducted from the refund amount.

5.4. Statement Descriptor

The refund will appear on the user's bank statement with the descriptor: REFUND MIRKASO or MIRKASO REF.

6. Exceptions

A refund will not be provided in the following cases:

6.1. After the 14-Day Period

The Law of Ukraine "On Consumer Rights Protection" provides for 14 calendar days to withdraw from the service. After this period expires, no refund will be provided.

Exception: If the user can demonstrate that the service was not provided at all (a technical failure on the Provider's side confirmed by logs), a refund may be considered outside the 14-day period.

6.2. Material Use of the Service

If the user has exceeded the material usage criteria (see Section 2.1), no refund will be provided, regardless of when the request was submitted.

6.3. AUP Violation

If the user's account has been suspended or blocked due to a violation of the Acceptable Use Policy (AUP), including:

  • using automated scripts for mass data collection (scraping);
  • attempting unauthorized access to the system;
  • using the service for illegal purposes;
  • sharing account credentials with third parties;

— no refund will be provided.

6.4. Legal Entity / Business Registration

If the account is registered to a legal entity or individual entrepreneur (FOP) for business use, the provisions of the Law "On Consumer Rights Protection" regarding the 14-day refund period do not apply. Refunds are provided solely on the basis of a separate written agreement between the parties.

6.5. Duplicate Refund Request

If a refund has already been processed for this account previously, no further refund will be provided.

6.6. Subscription Auto-Renewal

When canceling subscription auto-renewal, fees for the current paid period are not refundable. The user will continue to have access to the service until the end of the paid period. No further charges will be made.

7. Partial Refunds

Partial refunds are not provided. We issue only full refunds of the payment amount (minus payment system fees in the cases specified in Section 5.3).

If the user purchased a package of multiple services or a subscription for an extended period (e.g., annual), the refund is made for the full payment amount if the refund criteria are met. Partial refunds proportional to used days/requests are not provided.

8. Policy Changes

We reserve the right to update this Refund Policy. Changes may occur in the event of:

  • changes in legislation;
  • changes in payment providers;
  • business model updates;
  • technical changes.

Effective Date Procedure:

  • a new version of the Policy takes effect 30 days after publication;
  • users receive an email notification of changes at least 30 days before the effective date;
  • the current version is always available at https://mirkaso.com/legal/refund.

Continuing to use the Service after the updated Policy takes effect constitutes agreement with the new version.

9. Contact Information

If you have any questions regarding this Refund Policy, you can contact us:

Email: support@mirkaso.com

Service Owner: FOP Haitan Kyrylo Oleksandrovych

  • ITN: 3097700915
  • Registration address: Ukraine, 65037, Odeska obl., Odeskyi r-n, s. Lymanka, vul. Malynova, bud. 20A
  • Registration Country: Ukraine

Website: https://mirkaso.com

10. Links to Related Documents

This document is prepared in accordance with the Law of Ukraine "On Consumer Rights Protection," the Civil Code of Ukraine (Art. 633 — public offer), and GDPR (EU) 2016/679.

The current version is always available at: https://mirkaso.com/legal/refund