Refund & Cancellation Policy

This Refund and Cancellation Policy ("Policy") describes the terms under which TheMarkups Canada Inc. ("we", "our") provides refunds and processes cancellations for subscriptions and services purchased on the CATAAM platform.

By purchasing a subscription or service, you agree to this Policy.

You may cancel your subscription at any time by visiting your account settings or by contacting billing@themarkups.com.

• Monthly subscriptions: Cancellations take effect at the end of the current billing month. You retain full access until the period ends.
• Annual subscriptions: Cancellations take effect at the end of the current annual term. No partial-year refunds are issued except as outlined in Section 3.

After cancellation, your data is retained for 90 days, during which you may export it. After 90 days, data is permanently deleted.

30-Day Money-Back Guarantee (New Subscribers): If you are a first-time subscriber and are not satisfied with the platform, you may request a full refund within 30 days of your initial payment by emailing billing@themarkups.com. This applies to Starter and Professional plans.

Service Outages: If the platform experiences downtime exceeding our published SLA in a given month, affected customers are eligible for a pro-rated service credit for that month, applied to the next invoice.

Duplicate Charges: If you were charged twice for the same billing period due to a technical error, we will refund the duplicate charge in full.

Refunds will not be issued in the following circumstances:

• Requests made after the 30-day new-subscriber window on monthly plans
• Annual plan refunds after 30 days of the subscription start date
• Accounts suspended or terminated for violations of our Terms of Service
• Partial-month usage on monthly plans (cancellations mid-cycle are honored but not refunded)
• Add-on features or one-time purchases

CISO Reseller and CPA Partner accounts are billed on a post-paid monthly basis for framework enrollments at $99 per framework per client organization per month.

• Invoice disputes: Partners may dispute a charge within 15 days of invoice issuance by emailing billing@themarkups.com with supporting details.
• Erroneous enrollments: If a framework was enrolled in error and the client was never onboarded, a credit will be issued for that billing event upon verification.
• Late cancellations: If a client organization is removed mid-month, the charge for that month is not refunded. Billing stops from the following month.

Enterprise plans are governed by a separate Master Services Agreement (MSA). Refund and cancellation terms for Enterprise customers are as defined in that agreement. Contact enterprise@themarkups.com for details.

Approved refunds are processed within 5–10 business days and returned to the original payment method. Processing times may vary depending on your bank or card issuer.

Refunds are issued in USD. We are not responsible for currency conversion losses.

To request a refund or cancellation:

• Email billing@themarkups.com with subject "Refund Request" or "Cancellation Request"
• Include your registered email address, account name, and reason for the request
• For partner billing disputes, include the invoice number and affected client organization

We aim to respond to all refund and cancellation requests within 2 business days.

We may update this Policy from time to time. Changes will be posted on this page with an updated effective date. Material changes will be communicated via email or in-platform notice.

TheMarkups Canada Inc. — Billing Support Mississauga, Ontario, Canada Email: billing@themarkups.com