Refund and Cancellation Policy
Seller: Accountants Expert, operated by BOMCAS Canada. The seller has not published a street address or a registration number on this page. Write to licences@accountantsexpert.com.
1. What this policy covers
This Refund and Cancellation Policy is the refund bargain for every paid plan, licence, download, and subscription sold on accountantsexpert.com by Accountants Expert, operated by BOMCAS Canada. It covers BOMCAS Tax & Payroll Calculators – Canada Pro and any later digital product the seller offers on this site. It covers a first purchase and every renewal. It covers a monthly, quarterly, and yearly term. It covers a coupon that reduces the price. It does not promise a refund that the Terms of Sale, the Software Licence Agreement, or a mandatory statute does not already give.
The product is digital. When a payment succeeds, the seller supplies a licence key, access to My Account, and the right to download and receive updates for the paid term. Supply starts at that moment. There is no physical shipment, no return of media, and no unused box to send back. Because delivery is immediate, the ordinary rule on this site is that the sale is final.
2. Definitions for this policy
A paid term is the month, quarter, or year that the charge covers. A renewal is the next paid term of the same plan, charged automatically unless auto-renewal has been turned off. Cancellation means turning off auto-renewal. It does not mean deleting the paid term that has already started, and it does not by itself mean a refund. A downgrade is a move to a cheaper plan or a shorter seat count. A seat or a site is one WordPress installation the plan allows to be activated. Non-use means the buyer paid and then did not install, did not activate, or did not open the software.
A duplicate charge is a second successful charge for the same plan, the same term, and the same account, caused by a processing error rather than by a renewal the buyer had not cancelled. A billing error is an amount that does not match the price accepted at checkout, after a valid coupon. A chargeback is a card dispute or a reversal opened by the buyer or the card issuer. A consumer is a natural person who buys for personal use, where a statute gives that person mandatory rights. A business buyer is anyone else, including a firm buying for client sites.
3. All sales are final
All sales are final and non-refundable. The reason is that the product is digital and is delivered immediately. The buyer receives the licence, the download, and the start of the support and update period as soon as the payment succeeds. The seller does not refund the purchase price because the buyer changed their mind, because a client project ended, because a staff member left, or because the buyer prefers a different tool.
The fee the buyer pays is the price of the whole paid term, not a deposit and not a daily rental that is settled at the end. The seller does not compute a daily rate in order to return the unused days. A buyer who wants a shorter commitment should choose the monthly term before paying, and should cancel auto-renewal before the renewal date if they do not want another term.
4. No refunds or credits for unused time or non-use
The seller does not give a refund or a credit for unused time. The seller does not give a refund or a credit for a partial period. If the buyer cancels on the first day or on the last day, the result is the same: the current paid term runs to its end, and the next term is not charged. The days that were not used are not refunded.
The seller does not give a refund or a credit for a downgrade in the middle of a paid term. If the buyer moves from Agency to Professional, or from yearly to monthly, the difference is not credited. The cheaper plan, if the seller agrees to apply it, takes effect at the next renewal unless the seller states otherwise in writing. The seller does not give a refund or a credit for unused sites or unused seats. An Agency plan that activates one site is still the Agency plan the buyer bought. The unused capacity is not a separate product that can be returned.
The seller does not give a refund or a credit for non-use. Forgetting to install the plugin, losing the email that contained the key, or never pasting the key into a site does not turn the charge into a refundable deposit. The licence was supplied. The buyer can still install it during the paid term. If the key email was missed, the buyer should sign in to My Account or write to licences@accountantsexpert.com before opening a dispute with the card issuer.
5. Cancellation and the end of the paid term
A subscription runs to the end of the paid term after cancellation, and then it does not renew. Cancellation stops the next charge. It does not stop the current term, and it does not revoke the licence before that term ends. Updates and support continue until the paid term ends. After that, updates and support stop. A copy already installed may keep running, subject to the Software Licence Agreement, but it will not receive further updates under a lapsed plan.
The buyer can cancel at any time in My Account, before the renewal is charged. The buyer does not need to send a letter, call a call centre, or give a reason. Cancellation is effective when My Account shows that auto-renewal is off, or when the seller confirms by email that it is off. If the renewal has already been charged, that new term is a new paid term and this policy applies to it. The buyer should cancel before the renewal date if they do not want that charge.
6. Auto-renewal disclosure
Each paid plan renews automatically for the same interval and, unless a price-change notice has been given, at the price then in effect. The renewal is disclosed before the buyer pays: the checkout page states the plan, the interval, and that the subscription continues until the buyer cancels. The receipt and My Account show the renewal date. Auto-renewal is a feature of the subscription, not a hidden add-on.
The buyer may turn auto-renewal off at any time before the renewal charge. Turning it off is the cancellation described above. The seller will not treat a failure to read My Account as a request for a refund of a renewal that was disclosed and not cancelled. A buyer who cannot sign in should write to licences@accountantsexpert.com before the renewal date and ask for auto-renewal to be turned off. The seller will use the account email to confirm the request.
7. Price changes
The seller may change the price of a plan for future terms. A price change does not rewrite a term the buyer has already paid. The new price applies to a renewal only after notice. Notice is sent to the account email, or posted in My Account, a reasonable time before the renewal is charged. The buyer who does not want the new price can cancel before that renewal.
A coupon applies only as its own terms say. A coupon that covers the first term does not promise the same price on renewal unless the coupon says it repeats. The end of a promotional price is not a billing error and is not a ground for a refund of the renewal, provided the renewal price was the list price disclosed when the coupon was limited to the first term.
8. Duplicate charges and billing errors
A duplicate charge or a billing error may be corrected, at the seller's sole discretion, or where the law requires the correction. A duplicate charge means the same account was charged twice for the same plan and the same term because of a processor or site error, not because a renewal fell due. A billing error means the amount collected does not match the amount the checkout page showed after any valid coupon. The buyer should write to licences@accountantsexpert.com with the account email, the date, and the amount. The seller may refund the duplicate or the excess, or may apply a credit, and will say which.
Discretion for a duplicate or an error is not a general satisfaction guarantee. It does not cover a change of mind, a feature the buyer did not read, a rate the buyer disagrees with, or a calculator result the buyer did not verify. It does not cover a charge the buyer authorised and later regrets. If the seller refunds a duplicate, the extra licence or the extra term created by that charge may be revoked so the buyer is not left with two paid terms for one error.
9. Chargebacks
The buyer agrees to contact support before opening a chargeback or a payment dispute. Write to licences@accountantsexpert.com and give the seller a reasonable chance to look at the charge. A chargeback on a digital licence that was supplied is a dispute about a final sale. Opening a dispute does not create a refund right that this policy withholds.
If a chargeback or a reversal is opened, the licence is suspended for the disputed charge. Updates, support, and the right to activate further sites stop while the dispute is open. If the dispute is lost by the seller, the licence for that charge ends. If the dispute is won by the seller, the seller may restore the licence for the remainder of the paid term, or may end it if the buyer has repudiated the sale. Repeated or abusive disputes are a reason to refuse future sales. The buyer remains responsible for amounts that were properly charged and not required to be refunded by law.
10. Exceptions required by law
The seller will give a refund where a statute that cannot be waived says a refund is required. That includes a mandatory consumer right in the buyer's province or country. It includes a right that Quebec's Consumer Protection Act, CQLR c P-40.1, gives a Quebec consumer and that cannot be waived. It includes a mandatory right under the consumer laws of another province. It includes, for a consumer in the European Union or the United Kingdom, a withdrawal or quality right that survives the request for immediate supply made at checkout. It does not include a right the buyer has waived where the waiver is allowed, and it does not include a remedy the statute does not give.
A business buyer who purchases for a firm, for staff, or for client sites is not relying on consumer withdrawal rights. If a mandatory rule still applies to that buyer, the seller will follow the rule. The buyer who believes a legal refund applies should write to licences@accountantsexpert.com, name the statute, and describe the facts. A request is not granted merely because it is sent. The seller may ask for the account email and the charge reference before acting.
11. What is not a defect
A calculator estimate that the buyer did not compare with the Canada Revenue Agency, Revenu Québec, or a qualified professional is not a defect in the sale and is not a ground for a refund. The Disclaimer explains that the figures are estimates. A missing feature that the plan page did not promise is not a defect. Personal does not include payroll. A buyer who needs payroll must buy Professional or Agency. Buying Personal and then wanting payroll is not a billing error.
A change in a tax rate after purchase is not a defect in the period already paid, provided the software does what the plan described: it applies the rate file it ships or the signed update it receives. Tax statutes change. The seller does not refund a term because a government later announced a change, and the seller does not promise that every announcement is reflected on the day it is made.
12. Taxes, currency, and the processors
Prices are in Canadian dollars. A refund, if one is required or if the seller chooses to correct a duplicate or an error, is made in Canadian dollars to the original payment method where the processor allows it. The seller does not refund in a different currency at a rate the buyer prefers. Stripe and PayPal may take time to show the credit. Their own fees are a matter between the buyer and the processor unless the law requires otherwise.
Goods and services tax, harmonised sales tax, Quebec sales tax, and provincial sales tax, where they were properly collected, are refunded only to the extent the underlying charge is refunded. The seller does not operate a separate tax-rebate program. A buyer who needs an invoice for input tax credits can use the receipt in My Account.
13. How this policy fits with the other documents
This policy is the refund rule. The Terms of Sale and Subscription are the billing rule. The Software Licence Agreement is the rule for the software. The Terms of Service are the rule for the website. If a sentence in a marketing page is shorter than this policy, this policy controls the question of refunds. A staff member cannot grant a refund by chat that this policy does not allow, except where the seller confirms it in writing as a discretionary correction of a duplicate or an error, or where the law requires it.
The effective date and the version are printed at the top of this page. The seller may publish a later version. A charge already made is governed by the version accepted at checkout for that charge, except where a later version is more favourable to a consumer and a mandatory law requires the more favourable term. Questions go to licences@accountantsexpert.com.
14. How these words are used
Headings are for convenience. They do not change the operative text. “Including” means “including without limitation”. The singular includes the plural and the other way around. “Writing” includes email. A reference to a statute is to that statute as amended, and to any regulation made under it. A reference to a person includes a natural person, a corporation, a partnership, and any other entity. If a word is defined in this document, that definition applies wherever the word is used, unless the sentence says otherwise.
If a translation of this page is published, the English text controls. If a page on the site summarises this document in shorter words, this document controls where they differ. A failure to enforce a term on one occasion is not a waiver. A waiver must be in writing to be effective, and it applies only to the breach it names. The seller may assign this document to a successor of the business. The buyer may not assign a licence or an account without the seller’s prior written consent, except where a mandatory law says otherwise.
If a court finds that one term cannot be enforced, the rest of the document stays in force. The invalid term is modified to the minimum extent needed to make it valid, if a modification can do that without changing the bargain. This document, together with the other policies named in it and the plan the buyer selected at checkout, is the entire agreement on its subject. It replaces earlier oral statements and earlier website summaries about that subject. A purchase order or a buyer’s standard terms do not amend it unless the seller signs a document that says they do.
Days are calendar days unless a section says business days. A business day is a day other than a Saturday, a Sunday, or a statutory holiday in Alberta. Notices to the seller are sent to licences@accountantsexpert.com and are effective when the email is received, or on the next business day if it arrives outside ordinary business hours. Notices to the buyer are sent to the email on the account and are effective when sent, unless the message bounces and the seller has another address on file. The buyer must keep that email address current.
15. Governing law and mandatory rights
Accountants Expert, operated by BOMCAS Canada offers the website, the calculators, and the paid plans from Alberta, Canada. This document is governed by the laws of Alberta and the federal laws of Canada that apply in Alberta. The courts of Alberta have jurisdiction, subject to the dispute section of the Limitation of Liability and Indemnity and to any mandatory rule that lets a consumer sue or be sued at home.
Nothing in this document limits a right that a statute says cannot be limited. That includes mandatory protections for a consumer in the buyer’s province or country. For a consumer in Quebec, the Consumer Protection Act, CQLR c P-40.1, applies where it must, and a term that conflicts with it is read down. For a consumer in the European Union, the mandatory parts of Directive 2011/83/EU on consumer rights, as implemented in the buyer’s member state, and the mandatory parts of the digital-content rules that apply to that buyer, are preserved. For a consumer in the United Kingdom, the mandatory parts of the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 are preserved.
Where those laws give a consumer a right to withdraw from a distance contract for digital content, the buyer is asked at checkout to request immediate supply and to acknowledge that the withdrawal right ends once supply of the digital licence begins. That request and acknowledgement do not apply where a mandatory law keeps the withdrawal right, including for a consumer in Quebec. A business buyer who is not a consumer does not receive consumer withdrawal rights.
The seller does not claim a professional designation, a certification, or a membership on these pages. The calculators are software. They are not a filing, a ruling, or a retainer. Dispute resolution, the class-action waiver, and arbitration are described in the Limitation of Liability and Indemnity. They are not enforceable against a Quebec consumer where the law of Quebec refuses them. They also do not apply where the law of the buyer’s province or country refuses a waiver of a class action or a requirement to arbitrate.
16. Changes, records, and survival
The seller may update this document by posting a new version with a new version number and a new effective date. The version line at the top of the page is the version in force. A material change to a paid plan is also handled in the Terms of Sale, including notice before a renewal price changes. Continued use of a free page after the effective date is acceptance of the new website terms. A paid subscription keeps the commercial terms accepted at the start of the current paid term until that term renews, except where a change is required by law or is needed to stop abuse.
The site consent bar asks again when the policy version changes. A previous acceptance stored in the cookie, in local storage, or in the consents table does not cover a later version. Checkout keeps its own consent screen. Accepting the bar does not replace the checkboxes at checkout, and the checkboxes at checkout do not replace the bar.
Terms that by their nature should survive the end of a subscription do survive. That includes accrued payment obligations, the refund rules for a period already paid, the licence restrictions on a copy already received, the disclaimer, the limitation of liability, the indemnity, the governing-law clause, and the sections needed to interpret them. The end of a subscription does not erase a record the seller must keep for tax, accounting, or a legal claim.
The contact for every policy on this site is licences@accountantsexpert.com. Support about a licence key or a download may also be handled from My Account. Do not send a client’s tax return, a social insurance number, or a full licence key to that address. Send the account email and a description of the issue.
These pages are written for customers of Accountants Expert. They are not a legal opinion and they are not a certification. Have them reviewed by a lawyer before you rely on them.
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