Mergen.finance// delivery and refunds
This page is a plain-language summary of the delivery, withdrawal and cancellation terms in the Distance Selling Agreement.
The agreement is what binds. This page adds no term to it; where the two differ, the agreement governs.
As of today, mergen.finance takes no payments. There is no checkout page on the site and subscription management is not built. The terms below are the terms that will apply on the day payment opens.
The service is entirely digital and is delivered electronically. The features attached to your plan open in your account the moment payment is confirmed; the place of performance is your own account.
There is nothing to ship, nothing to transport, nothing to install and nothing to wait for. There is therefore no delivery time: access opens with the payment.
In distance contracts the consumer has the right to withdraw within fourteen (14) days, counted from the day the agreement is concluded, without giving any reason and without paying any penalty.
It is enough to send notice of withdrawal in writing to info@mergen.finance before the period expires. What counts is that the notice was sent within the 14 days; the date it reaches us does not make it late.
The Distance Contracts Regulation excludes services performed instantly in the electronic environment from the right of withdrawal (art. 15/1-ğ), and says the right cannot be exercised for services whose performance has begun, with the consumer's consent, before the withdrawal period expires (art. 15/1-h). This subscription falls within that scope, because it opens the moment payment is confirmed.
The exception does not apply by itself. At the checkout step, an unticked separate checkbox collects your explicit acknowledgement: that you want the subscription to start the moment payment is confirmed, and that you understand you will lose your 14-day right of withdrawal because the service is performed instantly. The right ends at that acknowledgement.
Let us be plain: if that acknowledgement is not taken at the checkout step, the exception does not apply. In that case the 14-day right of withdrawal stands in full and you may withdraw without giving a reason. Taking the acknowledgement is our job; failing to take it does not narrow your right.
Where the right of withdrawal applies and is exercised, the full amount paid is refunded within fourteen (14) days at the latest, counted from the day the notice reaches us. The refund is made by the same method used for the payment and at no cost to you. With the refund, the access attached to the plan closes and the account returns to the free plan.
You may cancel your subscription at any time, without giving a reason. There is no retention flow, no sequence of extra questions and no requirement to make a phone call.
If you cancel mid-period, access continues to the end of the period you have paid for, and the next charge stops at that moment. No separate refund is made for the remaining days; the rule is the same on the monthly and the annual period. If we end a subscription because of a serious breach, the fee for the unused part of the period is refunded.
For a withdrawal notice, a refund request, or any question at all, write to info@mergen.finance. Enquiries are answered as quickly as we can. Your routes to the Consumer Arbitration Committee and the Consumer Courts remain open; clause 18 of the agreement sets them out.