Refund Policy

We offer a 30-day money-back guarantee on every subscription payment. You may request a full refund within 30 calendar days of any charge — your first payment or a renewal, on a monthly or annual plan — by contacting info@kult.cards, and we will refund that charge in full.

Refunds under this guarantee are unconditional: you do not need to give a reason, and no fees are deducted.

New accounts include a 14-day free trial on the Starter monthly plan. You are not charged during the trial, and you can cancel before it ends without paying anything.

If your trial converts to a paid subscription, the 30-day money-back guarantee applies to that first payment as well, counted from the date you are charged.

Paid plans are billed in advance, on a monthly or annual cycle, in euro (EUR) — or in Macedonian denar (MKD) for customers in North Macedonia — at the price shown at checkout. Each payment covers the upcoming billing period. Your subscription renews automatically until you cancel.

GMD Holdings LLC is the Merchant of Record for your purchase and handles invoicing, applicable taxes, order-related inquiries and refunds. Payments are processed through our payment provider.

You can cancel at any time from your account settings. Cancellation stops future renewals; your plan stays active until the end of the period you have already paid for, after which it will not renew.

Email info@kult.cards from your account email address within 30 calendar days of the charge, and include the date and amount of the payment. We respond to refund requests within 3 business days.

Refunds are issued in full to your original payment method. Depending on your bank or card issuer, the money typically arrives within 5–10 business days.

Charges older than 30 days are not refunded, except where a refund is required by applicable law. You can still cancel at any time to stop future renewals.

Nothing in this policy limits any non-waivable rights you have under mandatory consumer-protection law.

If a payment fails, we may retry it and suspend access to paid features until payment succeeds. Charges already covered by the money-back guarantee remain refundable under section 1.

Billing questions? Contact GMD Holdings LLC at info@kult.cards or Salvador Aljende 78, Skopje, Republic of North Macedonia.