The Free plan has no subscription charge. A Pro subscription is bought from the billing provider shown at checkout. Card payments taken by a Nomates Rates user through Stripe belong to that user's own customer transaction and are not purchases from Nomates Rates.
1. Scope
This policy covers charges for the Nomates Rates Pro subscription and explains how refunds and disputes work when a business user accepts a customer's payment using Stripe features within Nomates Rates. It does not reduce any statutory rights that cannot lawfully be excluded.
2. Free plan
The Nomates Rates Free plan does not carry a subscription fee. Because no subscription payment is taken for the Free plan, there is no subscription payment to refund. Your mobile network, email, messaging provider or device platform may still charge for data, SMS or other services.
3. Pro subscriptions
Pro is an optional, automatically renewing subscription. The price, billing period, taxes and any trial are shown before purchase. The Pro charge is separate from Stripe's payment-processing, Tap to Pay, dispute, currency-conversion and payout fees.
3.1. Apple App Store purchases
If the receipt shows Apple as the billing provider, Apple processes the charge and decides refund eligibility under its rules and applicable law. Nomates Rates cannot issue an Apple-billed refund directly.
Go to reportaproblem.apple.com and sign in with the Apple Account used for the purchase.
Choose 'Request a refund', select the reason and select the Nomates Rates subscription.
Submit the request and follow Apple's status updates.
Apple refund requests: reportaproblem.apple.com.
3.2. Google Play purchases
If the receipt shows Google Play as the billing provider, use Google's refund process. Google applies its rules and applicable law; in some circumstances it may direct you to contact the developer.
Google Play refund process: Request a refund on Google Play.
3.3. Any direct website purchase
If a future Pro checkout identifies IQ Learning Group Ltd or another direct billing provider on the receipt, contact the provider shown on that receipt. We will assess requests fairly under the checkout terms and applicable law. This section does not imply that direct website billing is currently available.
4. Cancelling Pro
- Apple: Settings > your name > Subscriptions > Nomates Rates > Cancel Subscription.
- Google Play: Google Play > profile > Payments & subscriptions > Subscriptions > Nomates Rates > Cancel.
Deleting the app or closing a Nomates Rates account does not necessarily cancel a marketplace subscription. Cancellation normally stops the next renewal; Pro usually remains available until the end of the paid period. Cancellation is not automatically a refund of the current period.
5. Statutory rights and defective digital services
Nothing in this policy excludes rights under applicable consumer law. If you are legally acting as a consumer, rights concerning digital services, faulty supply and distance contracts may apply. Where immediate access to digital content or services begins with the consumer's express request and acknowledgement, the statutory cooling-off position may be affected. Apple, Google or the direct billing provider will apply its process alongside applicable law.
6. Customer payments taken through Stripe
A payment made through a Payment Link, invoice QR code or Tap to Pay is a payment from the payer to the Nomates Rates business user that supplied or will supply the relevant goods or services. The business user is the merchant and is responsible for prices, descriptions, delivery, receipts, taxes, cancellations, complaints and refunds. Nomates Rates is not the seller and does not decide whether that customer's purchase should be refunded.
Payers should contact the business named on the quote, invoice, receipt or card statement. Business users can create full or partial refunds through the available Nomates Rates/Stripe tools or Stripe Express Dashboard, subject to account permissions, balance and Stripe's rules.
7. Stripe fees when a merchant refunds a customer
Stripe's current rules and the merchant's Stripe account pricing apply. Processing fees from the original payment may not be returned, and other fees may apply. A refund can require sufficient available Stripe balance and may take time to appear with the payer's bank. Nomates Rates does not reimburse Stripe fees unless required by law or expressly agreed in writing.
Current Stripe pricing: stripe.com/gb/pricing.
Stripe refund guidance: Refund and cancel payments.
8. Disputes and chargebacks
A payer may challenge a card payment through their card issuer. Stripe may debit the disputed amount and charge dispute-related fees from the connected account. The business user must monitor Stripe notices, provide evidence by the deadline, keep customer and delivery records, and bear refunds, disputes, chargebacks, negative balances and associated Stripe fees relating to its transactions.
At the effective date, Stripe's UK pricing page lists a £20 dispute-received fee and a further £20 fee for a manually countered dispute, with the latter returned if the dispute is won. Stripe may change these amounts; the connected account's live pricing and Stripe's current page control.
9. Technical issues
If a technical problem prevents reasonable use of a paid feature, contact us promptly with the account email, device type, app version, date and a description of the issue. Do not send full card numbers, PINs, passwords or unnecessary customer information. We will investigate and try to restore access. Refund authority remains with Apple, Google or the billing provider where it processed the Pro charge.
10. Duplicate, unauthorised or unrecognised charges
For an unrecognised Pro charge, check the Apple or Google purchase history and contact that provider. For an unrecognised customer card payment, contact the merchant shown on the statement and, if necessary, the card issuer. Business users should report suspected unauthorised Stripe account activity immediately through Stripe support and to Nomates Rates if the app account may also be affected.
11. Changes to this policy
We may update this policy when our billing methods, Stripe features, provider rules or law change. The revised effective date will be shown at the top. A change will not remove refund or cancellation rights that had already arisen under applicable law.
12. Contact
Support: hello@nomatesrates.com
Website: nomatesrates.com
Operator: IQ Learning Group Ltd, company no. 15232837
Registered office: 120 Priory Street, Carmarthen, Wales, SA31 1NB
13. Useful external links
These third-party pages may be updated from time to time. The version in force when you use the relevant third-party service applies.