Refund Policy

This Refund Policy explains when and how you can obtain a refund for purchases made through the PointFive platform (the "Platform"), operated by [LEGAL ENTITY NAME] (ABN [ABN]) ("PointFive", "we", "us").

This Policy should be read together with our Terms of Service and Privacy Policy.

1. Your rights under the Australian Consumer Law

As a consumer purchasing services in Australia, you have rights under the Australian Consumer Law (ACL) that cannot be excluded, including the right to a remedy if our Services:

• are not provided with due care and skill;
• are not reasonably fit for the purpose you made known to us;
• do not match their description; or
• are otherwise affected by a "major failure" as defined in the ACL.

Depending on the nature of the failure, you may be entitled to a refund, re-supply, or compensation for reasonably foreseeable loss or damage.

Nothing in this Refund Policy limits or excludes your rights under the Australian Consumer Law. Our 24-hour goodwill refund described below is provided in addition to those rights.

2. 24-hour goodwill refund

We want you to feel comfortable trying PointFive. As a goodwill gesture, we offer a full refund if you request it within 24 hours of your initial purchase, subject to the conditions below.

Eligibility. You may request a 24-hour refund if:

• (a) the request is submitted within 24 hours of the time of your purchase (as recorded in our payment records);
• (b) the request relates to your first purchase of the relevant subscription or product;
• (c) you have not engaged in misuse of the Platform, including (without limitation) sharing or attempting to share content with non-subscribers, scraping or extracting content, or otherwise breaching our Terms of Service; and
• (d) the purchase was not made using a promotional code, voucher, or discount that expressly excludes refunds.

Outside the 24-hour window. Subscription fees paid outside the 24-hour window are generally non-refundable, except where required by the Australian Consumer Law or other applicable law, or at our discretion on a case-by-case basis.

Effect of refund. If we approve a refund, your access to the paid features of the Platform may be cancelled, and any access granted as part of the refunded purchase will end.

3. Renewals

Subscriptions automatically renew unless cancelled before the renewal date (see our Terms of Service, Section 3). The 24-hour goodwill refund applies to your initial purchase only and does not apply to automatic renewals.

To avoid being charged for a renewal, please cancel before your current billing period ends, via your account settings or by contacting support@pointfive.com.au. We do not provide pro-rated refunds for partially used subscription periods, except where required by law.

4. Major failures and ACL remedies

If our Services suffer a major failure under the ACL, you are entitled to choose between a refund, re-supply, or (where applicable) compensation. Examples of a major failure include where the Services:

• have a problem that would have stopped you from purchasing them had you known about it;
• are substantially unfit for the purpose for which they are commonly supplied and cannot easily be remedied within a reasonable time; or
• are substantially unfit for a purpose you made known to us, and cannot easily be remedied within a reasonable time.

For non-major failures, we are entitled to choose between providing a refund or re-supplying the Services within a reasonable time.

5. How to request a refund

To request a refund, contact us at support@pointfive.com.au with:

• the email address associated with your account;
• the date and approximate time of purchase;
• the order or transaction reference (if available); and
• a brief reason for the refund request.

We aim to acknowledge refund requests within 2 business days and to process approved refunds within 5–10 business days, although the time for the funds to appear in your account depends on your card issuer or payment provider.

Refunds are returned to the original payment method used for the purchase.

6. Chargebacks

If you believe a charge is incorrect, please contact us first so we can resolve the issue directly. Initiating a chargeback through your bank or card issuer without contacting us may result in suspension of your account pending investigation. This does not affect any rights you have under the Australian Consumer Law or applicable card scheme rules.

7. Changes to this Policy

We may update this Refund Policy from time to time. The current version will always be available on our website with the "Last updated" date shown above. Material changes will be notified to you in accordance with our Terms of Service.

8. Contact

[LEGAL ENTITY NAME]
ABN [ABN]
Email: support@pointfive.com.au
Postal: [REGISTERED ADDRESS]