Refund and Cancellation Policy
Last updated: 29 July 2026
This policy explains when you can cancel, what you will be charged, and how refunds work. It forms part of our Terms and Conditions. We want you to know where you stand before you pay us anything.
1. Project work
1.1 Cancelling before work begins
If you cancel after signing but before we have started work, we refund the deposit in full, less any third-party costs already committed on your behalf (for example domain registrations, licences or stock media). We will tell you what those are before we commit to them.
1.2 Cancelling after work has begun
You may cancel a project at any time by written notice. You will be charged for:
- all work completed up to the cancellation date, at the agreed milestone values or, where a milestone is part-complete, at our standard hourly rate of €75 for hours actually worked;
- any third-party costs committed on your behalf.
If the deposit you have paid exceeds that amount, we refund the difference within 14 days. If it is less, we invoice the balance, payable within 14 days. We provide a written breakdown of hours and deliverables either way, and we hand over the work completed to date.
1.3 Deposits
Deposits reserve capacity in our development schedule and are non-refundable once work has begun, except as set out in section 3.
2. Recurring services (hosting, maintenance and support retainers)
2.1 You may cancel any recurring subscription with 30 days’ written notice, effective at the end of the current billing period.
2.2 Monthly subscriptions are not refunded part-way through a paid month; service continues to the end of the period you have paid for.
2.3 Annual subscriptions cancelled mid-term are refunded pro rata for complete unused months, less the 10% annual-payment discount already applied.
2.4 On cancellation we provide a full export of your data, site files and databases at no charge, and keep a backup for 30 days before deletion.
3. If we do not deliver
3.1 If we fail to deliver work that materially conforms to the agreed specification, and do not correct it within 30 days of your written notice, you are entitled to a full refund of amounts paid for the non-conforming deliverable.
3.2 If we cancel a project for reasons within our control, we refund all amounts paid for work not yet delivered, within 14 days.
3.3 During the 90-day warranty period, defects in delivered work are corrected at no charge. See clause 7 of our Terms and Conditions.
4. Consumer right of withdrawal
Where you contract with us as a consumer rather than a business, you have a statutory right to withdraw from a distance contract within 14 days of entering into it, without giving a reason. To exercise it, email accounts@creattivica.com with a clear statement that you are withdrawing. We refund all payments within 14 days of receiving your notice, using the same payment method you used.
If you asked us to begin work during the 14-day period, you must pay a proportionate amount for the work performed up to the point you withdrew. Once the service has been fully performed with your prior express consent, the right of withdrawal is lost.
5. How to request a refund
Email accounts@creattivica.com with your invoice number, the amount and the reason. We acknowledge within 2 business days and give a decision in writing within 10 business days. Approved refunds are paid within 14 days, to the original payment method — refunds on card payments go back to the card used, and SEPA transfers back to the originating account.
6. Chargebacks
If you believe a charge is incorrect, please contact us first. We will investigate and correct any genuine error promptly. Raising a chargeback with your bank before contacting us is slower for both of us and, where the charge is found to be valid, we reserve the right to recover the associated fees and to suspend services pending resolution.
7. Disputes
If we cannot resolve a refund dispute directly, either party may refer the matter to the courts of Nafplio, Greece. Consumers may also use the European Commission’s Online Dispute Resolution platform at ec.europa.eu/consumers/odr.
8. Contact
Andr. Panagiotopoulos Kai SIA L.P., Dagre 2, Argos, Argolis 21232, Greece
Email: accounts@creattivica.com · Telephone: +30 700 700 1758
Andr. Panagiotopoulos Kai SIA L.P. (trading as Creattivica) · Dagre 2, Argos, Argolis 21232, Greece
VAT (ΑΦΜ): 802110340 · ΓΕΜΗ: 170151013000 · Δ.Ο.Υ. Ναυπλίου · Tel: +30 700 700 1758 · sales@creattivica.com