Refund Policy

1. What you are buying (information access, not credits)

Perkstack is an information service. A membership gives you immediate access to our curated catalog, apply links, and step-by-step claim guides about perks, credits, and programs offered by third-party providers (the “Content”).

We do not provide, issue, resell, guarantee, or distribute credits. Third-party providers control their own eligibility rules, approvals and denials, credit amounts, and offer changes.

2. Why refunds are generally not available

When you subscribe, you receive immediate access to digital Content that can be viewed and used right away. Because access is delivered instantly and the Content is consumable, the value is delivered upon access — so purchases are generally non-refundable once access has been granted, except as described in Section 4 or where required by law.

3. Not valid reasons for a refund

Refunds are not provided for:

• misunderstanding the service as “guaranteed credits” (we provide information only),
• not being approved by a third-party provider,
• an offer being changed, paused, removed, or no longer accepting applications,
• eligibility issues (including verification failures) with a third-party provider,
• credit amounts being smaller than expected, or usage restrictions imposed by a third-party provider,
• not using the service, forgetting to cancel, or missing a renewal date,
• dissatisfaction with the format or style of the Content where a preview was available (page 1 of the catalog is free),
• simply changing your mind after purchase.

See Section 5 for the separate rules that apply to advertising and promotional packages.

4. When we may refund

4.1 Access not delivered due to our fault

You were charged but did not receive access because of a technical issue on our side, and we could not resolve it promptly.

4.2 Billing errors

• A duplicate charge for the same period.
• A clearly incorrect charge caused by a processing error.

4.3 Unauthorized transactions

If you believe a payment was unauthorized, contact us immediately. We may ask for information to verify the situation and help you secure your account. Your bank or card issuer may also have its own investigation process.

4.4 30 Day Money Back Guarantee

We offer a 30 Day Money Back Guarantee on membership purchases under the following conditions.

Eligible for a refund within 30 days of purchase:

• You were charged but the platform failed to deliver access to the Content due to a verified technical error on our side.
• A persistent platform malfunction prevented you from accessing or using the service after purchase, and we could not resolve it within a reasonable timeframe.
• A billing system error resulted in an incorrect charge amount or unexpected charges.

Not eligible under this guarantee:

• You changed your mind or decided you no longer want it.
• You did not use the service after purchasing it.
• A third-party provider denied your application, changed their program, or reduced credit amounts.
• You were not eligible for a third-party program.
• You disagree with the format, content, or presentation of the information provided.
• You purchased an advertising or promotional package — advertising is governed by Section 5 and is not covered by this guarantee.

To claim under this guarantee, contact us within 30 days of your purchase date and describe the technical issue you experienced. We will investigate and, if the issue is verified as a fault on our side, issue a full refund to your original payment method.

5. Advertising and promotional packages

Paid advertising and promotional services purchased through perkstack.co/advertising — including banner placements, featured startup slots, and sponsored catalog listings — reserve a fixed, time-bound inventory slot that cannot be resold once booked. They are therefore non-refundable once an order is placed and are not covered by the 30 Day Money Back Guarantee in Section 4.4 under any circumstances. Campaign performance (clicks, sign-ups, conversions, or any other metric) is not grounds for a refund.

If we fail to deliver a placement on a scheduled date solely due to our fault and cannot reschedule within a reasonable timeframe, we will, at our discretion, reschedule the placement or issue a credit toward a future package. The full terms are in the advertising refund terms. Advertising packages are sold for business purposes to companies, not to consumers.

6. How to request a refund review

To request a review under Section 4:

1. Email hello@perkstack.co from the address on your account.
2. Include the date and amount of the charge and a short description of the issue.
3. We typically respond within 5–7 business days.

If approved, refunds are issued to the original payment method via Stripe; bank processing times vary. Requests should be submitted within 30 days of the charge. This internal time limit does not affect any mandatory statutory rights you may have.

7. EU/EEA and United Kingdom consumers

If you are a consumer in the EU/EEA or the United Kingdom, you may have a statutory 14-day withdrawal right for distance contracts. Where applicable to digital content delivered immediately, you expressly request and consent to immediate access when you complete checkout, and you acknowledge that you lose the right of withdrawal once access begins. Nothing in this policy limits mandatory statutory rights that cannot be waived.

8. Renewals and cancellation

Memberships renew automatically until cancelled. You can cancel anytime from your account page via the Stripe billing portal, or by emailing hello@perkstack.co from the address on your account. Cancellation takes effect at the end of your current paid billing period; we do not provide prorated refunds for unused time except where required by law or under Section 4. Pricing, renewal frequency, and how to cancel are disclosed on the pricing page before purchase.

9. Disputes and chargebacks

If you believe a charge is incorrect — a duplicate charge, or access not delivered — contact us first: it's usually faster than a bank dispute. Bank and card disputes are handled by your issuer and are separate from this policy.

10. Changes to this policy

We may update this Refund Policy from time to time; changes are posted on this page with an updated effective date. The version in effect when you place an order or when your subscription renews governs that transaction.

11. Contact

Questions about this policy: hello@perkstack.co — replies come from the founder, usually same day.